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

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Speaker 2: We're black.

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Speaker 1: Brown, ambition, ambition and ambition, Amandra.

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Speaker 3: Hey you were giving a little Looney Tunes flavored today.

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Speaker 2: I was.

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Speaker 3: I was like the nineties, baby, I'm here for it.

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Speaker 3: Hey you.

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Speaker 2: I was like, hey, how are you good? I got

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Speaker 2: can you tell? I have lashes like you know, not

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Speaker 2: like I.

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Speaker 3: Tell, but I always get the blurry tiffany on on

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Speaker 3: this You Do podcast.

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Speaker 2: Yeah. Yeah, I was like, I look like you. I

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Speaker 2: was looking like.

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Speaker 3: Something your high pony always makes you look perky and like,

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Speaker 3: let's go team.

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Speaker 1: Yeah.

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Speaker 2: I literally I was looking at your lashes.

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Speaker 1: I was like, why don't my falsies like look like

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Speaker 1: Mandy's every day? Like, are you even wearing Maskara?

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Speaker 2: Mandy? I am.

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Speaker 3: I am indeed because I don't feel bad. Yeah, Rio

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Speaker 3: and I got together. He watched me get ready today.

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Speaker 3: It was pretty hilarious. He's got blush on his cheeks

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Speaker 3: and I shadow on his eyes and or knows what else.

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Speaker 2: That's cute.

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Speaker 3: You look gorgeous.

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Speaker 2: Thank you you.

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Speaker 3: You know. I want to bring back our og segment,

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Speaker 3: be a buzz worthy. We should call it the ba buzz.

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Speaker 3: Let's just come up with a new Okay, there seems

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Speaker 3: to be a lot happening in the news that's highly

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Speaker 3: relevant to the pockets these days. My husband and I

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Speaker 3: sat down last week just to have like a financial

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Speaker 3: check in, because now that I have my own business,

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Speaker 3: he's like, hey, you like you making money? I mean,

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Speaker 3: just let me know if I need to stop watching

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Speaker 3: these Rolex YouTube videos. And so we had like a

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Speaker 3: real heart to heart, like where we're at in our

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Speaker 3: finances and this government shutdown, he will be impacted. So

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Speaker 3: today we're taping. On the twenty fifth, the government Congress

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Speaker 3: are elected. Officials have until the thirtieth to make a

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Speaker 3: budget plan, make a budget deal, or the government will

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Speaker 3: shut down. Four million workers, including my husband, will be

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Speaker 3: instantly furloughed. But here's the shitty thing. He still is

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Speaker 3: going to have to go to work because I know

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Speaker 3: in the last shutdown, which was a couple of it

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Speaker 3: was twenty nineteen, he was home for over a month

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Speaker 3: or he was sorry, he was furloughed for over a month,

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Speaker 3: but he still had to go in because if you're

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Speaker 3: designated essential, you have to show up and work for

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Speaker 3: no pay.

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Speaker 2: Do you ever get that money back?

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Speaker 3: Well, thanks to a law that wanted to effect in

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Speaker 3: twenty nineteen. Now, if you're a federal employee, you are

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Speaker 3: guaranteed to get your back pay, so at least you

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Speaker 3: can show up to work knowing, Okay, I'm going.

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Speaker 2: To get a pay.

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Speaker 3: But you don't get paid though, like you have to

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Speaker 3: wait for it.

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Speaker 1: That's very Nigeria and no state in my Nigerian but

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Speaker 1: like literally for real, like so many teachers and government

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Speaker 1: officials and police officers, you know, they you know, there's

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Speaker 1: this pause and pay for whatever political reason, and they

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Speaker 1: hope they get it, you know back.

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Speaker 2: Wow.

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Speaker 1: That's really scary though, because I mean, who can afford

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Speaker 1: to work for free?

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Speaker 3: I'm saying. So I did look up some resources though,

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Speaker 3: because and I'll give my husband some credit. He was like,

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Speaker 3: you should talk about this on the podcast and listen

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Speaker 3: to if he never brings up our podcast, if you

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Speaker 3: can afford anyway, So he said that a couple of banks,

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Speaker 3: actually USAA and Penn Fed Credit Union or offering zero

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Speaker 3: percent interest loans up to six thousand dollars. Okay, don't

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Speaker 3: get excited unless you already have an account with them,

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Speaker 3: because they have to have an account there and you

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Speaker 3: have to There's some you know, some rules. I think

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Speaker 3: for USAA you have to specifically have direct deposit from

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Speaker 3: a federal employee like paycheck system going into your account.

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Speaker 3: But if you you know, hit the requirements and you

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Speaker 3: are going to need a bridge for the next you know,

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Speaker 3: potentially month plus, I don't know how how long it

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Speaker 3: could be, that's for sure an option. But then I

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Speaker 3: wanted to and also banks, like if you, for example,

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Speaker 3: if you're worried about having late payments on your credit cards,

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Speaker 3: you need to not make your credit card payment, which

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Speaker 3: I think we've talked about in the past. Sometimes when

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Speaker 3: it comes to times like these, keep food on the table,

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Speaker 3: you know, let the light bill go, whatever, whatever you

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Speaker 3: have to do. But in the like, at least call

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Speaker 3: your whether it's utilities, your creditors, you know, the subscriptions

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Speaker 3: that you have, and ask them if they have any

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Speaker 3: sort of like, uh, they're gonna wave late fees or

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Speaker 3: waive interest rate interest payments, or you know, wave maybe

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Speaker 3: the bill for the month potentially. I think it's it's

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Speaker 3: worth asking.

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Speaker 1: I feel like there's been so many pauses, like you know,

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Speaker 1: with the the.

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Speaker 3: Was it the writers strike writers and an actors strike.

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Speaker 1: Yeah, But I think I just I just read on

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Speaker 1: Chesca Lee Francesca, I can't remember her last name, that

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Speaker 1: they've come to it tentative agreement that you know. She

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Speaker 1: said that they are fairly pleased with. So that's great

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Speaker 1: because it's been like what a hundred and like what

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Speaker 1: three months or something.

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Speaker 3: It's been the entire summer, you know, like these studios

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Speaker 3: and we're heading into fall. This is what all the

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Speaker 3: new shows should be coming back, and these studios are

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Speaker 3: sweating and I I'm down for listen. Did we miss

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Speaker 3: some content this year that this summer and did some

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Speaker 3: projects get postponed maybe indefinitely and screwed over because of

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Speaker 3: the strike. Yes, but the power of the force of

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Speaker 3: a union, it is on full display here for these

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Speaker 3: workers to go on strike and to have been so

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Speaker 3: widely supported across the you know, they done made Drew

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Speaker 3: Barrymore canceled recancel her show. Well, she was like, I think,

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Speaker 3: and you know, Drew so sweet. She's like, I think,

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Speaker 3: like I can do this in a way where we're

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Speaker 3: all happy. And they were like, yeah, they said she said,

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Speaker 3: just sat down. She really wanted everyone to just like

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Speaker 3: come together, and yeah, it was like so I was

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Speaker 3: just kidding there will be no episodes anyway, but the power.

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Speaker 3: So I was reading kind of like what might be

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Speaker 3: in the agreement, and I know the biggest thing is

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Speaker 3: AI and the threat from AI, Like, are you like

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Speaker 3: taking scripts from shows written by writers and downloading into

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Speaker 3: the AI bot system and they can create create, create

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Speaker 3: a new script based on this script by Shonda Rhymes

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Speaker 3: for Gray's Anatomy, you know. And then just the fact

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Speaker 3: that when you're and and I'm you know, we're all in,

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Speaker 3: you know, consuming this content on these streamers, you know.

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Speaker 3: And back in the day when you would have episodes

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Speaker 3: get into reruns and then syndication, you would get tons

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Speaker 3: of like people will get rolled, not just the actors,

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Speaker 3: but the gripts, people who write, you know, people who

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Speaker 3: work in the background, makeup, hair, that kind of thing.

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Speaker 3: So now with these streamers, there's no such thing as

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Speaker 3: like syndication. It's like, oh, you're on a streamer now.

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Speaker 3: So the agreement hopefully will have something in there where

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Speaker 3: they can actually make a little bit on the back end,

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Speaker 3: like when there's stuff gets picked up by these streamers.

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Speaker 3: But I'm happy for them that it looks like it's

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Speaker 3: working that I work.

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Speaker 1: Because even like they like one of the proposed things

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Speaker 1: the studios wanted to do is like, let's just say

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Speaker 1: you're an extra. They wanted to be able to basically

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Speaker 1: clone your physical like you're an extra and they can

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Speaker 1: use you as an extra and anything and definitely forever

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Speaker 1: and ever and ever.

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Speaker 2: I'm like, I just.

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Speaker 1: I don't do you hear the words that are coming

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Speaker 1: out of your mouth, you know, and it's just like

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Speaker 1: it's just so predatory. I've just been finding that a

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Speaker 1: lot lately, even like you know, like I discussed I think,

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Speaker 1: I don't know if it was last week, how I'm

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Speaker 1: making transition in the budgetista to not dance so much

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Speaker 1: for a dollar. And I've been having conversations with different

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Speaker 1: organizations about what partnership might look like. And the thing

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Speaker 1: that always pisses me off the most is when somebody

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Speaker 1: negotiates with me as if I have not run for

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Speaker 1: six scessful companies in the last fifteen years and made

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Speaker 1: over fifteen million dollars, and I'm just like, do.

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Speaker 2: You think I'm stupid? Like there was one organization in particular.

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Speaker 1: Who like, I don't believe well, I don't particularly care

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Speaker 1: for the pure affiliate method. So for those of you

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Speaker 1: not familiar. When you're an affiliate partner, you say, hey,

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Speaker 1: I love this pair of shoes, and then you share

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Speaker 1: the shoes wherever you share them, email, texts, social media, whatever,

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Speaker 1: and when someone clicks on your link, you get a

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Speaker 1: piece of So let's say the shoes are ten dollars

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Speaker 1: and they're going to give you a dollar. So every

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Speaker 1: time they sell a shoe, you get a dollar, they

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Speaker 1: get nine, and so on the surface, it seems like, oh,

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Speaker 1: that's fair, it's not. Because let's just say I say

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Speaker 1: I love these shoes, and what typically happens when I

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Speaker 1: see something on social media, I think to myself, those

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Speaker 1: are cute shoes, and then I see them again because

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Speaker 1: you post up those are cute shoes. And then one day,

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Speaker 1: two three months later, I'm on wherever and I'm like,

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Speaker 1: let me go ahead and buy these shoes.

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Speaker 2: Where's your link? I don't know, I'm not even thinking

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Speaker 2: about you in your link.

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Speaker 1: But you've introduced those shoes to me. Where is the

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Speaker 1: compensation for that?

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Speaker 2: And then you will in all that.

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Speaker 1: Person or a series of influencers or people will have

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Speaker 1: infused this company with all these new customers, only a

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Speaker 1: portion of which a small portion of which, because everyone's

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Speaker 1: not ready to buy in that moment, a small portion

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Speaker 1: of which will purchase directly from that person's link. But

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Speaker 1: now you've grown your business large largely off the backs

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Speaker 1: of these influencers, and then you get to sell it

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Speaker 1: for one hundred million dollars you know, as a bro

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Speaker 1: and you get you know, you get to roll in

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Speaker 1: a Dell. And I have built many a fintech company

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Speaker 1: without knowing when I first started. I mean, I've put

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Speaker 1: ten thousand plus people into apps only to find they

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Speaker 1: were sold for like, you know, tens of millions of dollars.

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Speaker 1: And I'm like, wait, wait, wait, wait, hold up, wait

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Speaker 1: a minute. And so now the conversation is like you

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Speaker 1: want me to send a one The product or service

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Speaker 1: always has to be good. You know, I've never shared

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Speaker 1: a thing that I did not believe in or use

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Speaker 1: whatever myself, you know me and maybe be going back

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Speaker 1: and forth even with the show, we're like what yeah,

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Speaker 1: you know, we're like who take what to take?

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Speaker 3: What?

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Speaker 2: Vitamin?

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Speaker 3: No?

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Speaker 1: No, no, no, you know, so we're always very you know,

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Speaker 1: particular about like here, but just in our personal lives too,

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Speaker 1: like in our personal brands. And so one that it

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Speaker 1: has to pass that test of like do I really

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Speaker 1: believe in this thing?

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Speaker 2: And then two.

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Speaker 1: Now it's not for every cause some of them it

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Speaker 1: doesn't really make sense to do this, but especially for

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Speaker 1: these like startups. I'm like, I ask for equity, right,

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Speaker 1: pay me on back end, and they're like, I'm like,

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Speaker 1: I'm sorry, you want ten thousand dream Catchers so you

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Speaker 1: can then go and raise your your past seed round.

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Speaker 1: You could raise a round BC, so you get sell

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Speaker 1: it for it. And then when I get four dollars

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Speaker 1: a person, no, then go go pick somebody else, I said,

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Speaker 1: because over here, I don't just get people to sign up.

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Speaker 2: We change behaviors over here.

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Speaker 1: And so when I send a DreamCatcher to a product

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Speaker 1: or service, we teach them how to use it, how

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Speaker 1: not to use it, how to infuse it in their

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Speaker 1: life in a way that's going to be meaningful. You

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Speaker 1: have a life long user. And black women over indexed

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Speaker 1: in the consumption of financial education tools. And I only

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Speaker 1: know that because it's a big financial company. The CEO

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Speaker 1: and I became friends and he shared that he was

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Speaker 1: like that women take up seventy percent of these fright

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Speaker 1: fintech like tools seventy percent of the women at least

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Speaker 1: for his like fifty million dollar company were of the

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Speaker 1: people that use the tool were women, and of that

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Speaker 1: seventy percent, over fifty percent were black women. So I

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Speaker 1: was like, so I built your company.

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Speaker 2: He was like hey.

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Speaker 1: Then he's saying hey, and I was like, yeah, I'm

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Speaker 1: not doing that again, you know I'm not. And so

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Speaker 1: like that is the like it's almost like what I

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Speaker 1: love is that what Mandy and I do are like

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Speaker 1: same side or different sides of the same coin, like negotiating,

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Speaker 1: negotiating always.

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Speaker 2: For like what does fair look like?

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Speaker 1: And so that's what I'm navigating now, like what does

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Speaker 1: fair look like?

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Speaker 3: Like?

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Speaker 2: I'm looking for partnerships.

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Speaker 1: I'm not looking for you to show throw me a

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Speaker 1: corner too, which there's nothing wrong with that, But if

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Speaker 1: you are an influencer and you really dry valume, consider.

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Speaker 2: Having the equity question.

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Speaker 1: What would that look like I sent two thousand people

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Speaker 1: ten thousand people, or if they're not willing to, you know,

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Speaker 1: pay an equity, maybe it's already a huge company already. Increase, like,

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Speaker 1: don't treat me this what I at least tell them,

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Speaker 1: don't treat me like somebody off the street. If someone

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Speaker 1: else can sign up for your affiliate program and get

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Speaker 1: twenty five dollars, I need fifty because I'm not the same,

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Speaker 1: you know, always negotiating more and now more and more.

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Speaker 1: Which I love is that we're negotiating more on the

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Speaker 1: front end, and even if I don't get equity in

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Speaker 1: the company, I'm getting percentage on the back.

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Speaker 3: End, percentage of like sales.

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Speaker 2: So sometimes it's like this.

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Speaker 1: So for example, there's a company that we use I

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Speaker 1: really like for debt consolidation. You know, I'm like, okay,

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Speaker 1: there's only like maybe two or three that I really

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Speaker 1: liked that I've sent my sisters to. They had good experiences,

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Speaker 1: and I'm like okay. And so it used to be

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Speaker 1: we'll pay you, like make it up a number twenty

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Speaker 1: five dollars person that signs up, and I was like, yeah,

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Speaker 1: Like on my team, we have this. Oh Carol is

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Speaker 1: our efficiencies manager, and she was like, wow, I'm doing

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Speaker 1: the math. We've sent you know, hundreds of thousands, not

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Speaker 1: millions of dollars to them.

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Speaker 2: We should get a cut.

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Speaker 1: Of the percentage of the debt they're consolidating. And so

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Speaker 1: we've now negotiated that, like I think it's like one

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Speaker 1: point five or two percent.

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Speaker 2: It like, I don't even know.

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Speaker 1: What past quadrupled is, like the income that we make

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Speaker 1: in them, so you get per person, you see what

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Speaker 1: I mean?

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Speaker 3: And so it's like promoting like a checking a savings account. Yes,

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Speaker 3: a percentage of the assets.

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Speaker 1: Yes, because you're making a percentage of the assets being depositive.

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Speaker 3: Say it again, Yes they are, I mean, you know.

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Speaker 2: And then sometimes they're like ooh, no, tip, okay, go

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Speaker 2: find somebody else. Pick somebody else. We're busy over here.

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Speaker 2: Because here's the thing. When you have your this is why.

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Speaker 1: For if you're an influencer, consider creating your own products

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Speaker 1: or services like Mandy has, like I have, because Mandy,

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Speaker 1: certainly I know you make money from like partnerships and things,

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Speaker 1: but you have your own Mandy money makers. You have

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Speaker 1: your own product and service because if not, you become

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Speaker 1: basically a slave to whatever deal someone is going to

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Speaker 1: give you. Because I can decide, right, I'm sure many

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Speaker 1: you've had to decide do I put my energy? Why

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Speaker 1: should I give my energy to you for four dollars

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Speaker 1: a person when I can have someone side up for

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Speaker 1: the Liberature Academy and keep the full thirty dollars a

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Speaker 1: month for myself per person.

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Speaker 3: So yeah, I.

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Speaker 1: Can only make so many asks of my audience. And

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Speaker 1: so these are some of the things that the shifts

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Speaker 1: that are happening in business. And you know, as we

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Speaker 1: get smarter, as we just like start to shift and transition,

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Speaker 1: these are some of the conversations that are coming up.

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Speaker 2: And you know, these companies, they.

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Speaker 1: Get uncomfortable when a sister be like, not too much

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Speaker 1: on not trying to pay me, just so grateful.

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Speaker 3: Oh my god. I yeah, I think I've just had

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Speaker 3: the benefit of watching you grow your business as well.

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Speaker 3: But I when I approach Mandy Money Mandy money Makers,

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Speaker 3: when I launched a couple of years ago, I always knew, Yeah,

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Speaker 3: of course, that's a nice thing to have. As an influencer.

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Speaker 3: You have, you know, brands that come to you because

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Speaker 3: you've built your audience and they want to leverage it,

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Speaker 3: and it can be you know, financially lucrative. But for me,

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Speaker 3: it was never I never wanted to be just going

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Speaker 3: after those little this brands deal that brand deal, a

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Speaker 3: few thousand bucks there, you know. And even though I

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Speaker 3: was paid like over thirty k just to do an

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Speaker 3: Instagram Live one time.

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Speaker 2: You know, I was excited that that was a good one.

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Speaker 3: I land negotiate that with your help, thanks to But hey,

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Speaker 3: when you want me to agree to not go with

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Speaker 3: anyone else for months, like to not go with any

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Speaker 3: of your competitors for months, then yeah, can I get

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Speaker 3: some income anyway? So yeah, I just those are my

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Speaker 3: fun like little surprise nuggets, you know, like, oh, put

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Speaker 3: this in the fund for the you know, the for

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Speaker 3: what for taxes, for taxes, like for my dream house.

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Speaker 3: It's coming. But yeah, So but beyond that, you're right,

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Speaker 3: you know, having your own products and also I'm genuinely

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Speaker 3: creating things that I want to fill a need that

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Speaker 3: are useful to people. So how do you get on

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Speaker 3: this whole like, oh, the Writer's Guild and all that, Yes.

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Speaker 2: Creating your own thing instead of waiting for everybody to

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Speaker 2: just pay you.

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Speaker 3: I got to pick your brain because I'm going to

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Speaker 3: find con. I'm going on our anniversary trip to Fincome

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Speaker 3: by myself, and I'm gonna go and just have a

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Speaker 3: you know, I'm just gonna have dinner for two, but

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Speaker 3: your seat will be empty and I'll just.

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Speaker 2: Talk your poor little something for I know, it's your.

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Speaker 3: Birthday week, but it's New Orleans and it was where

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Speaker 3: you met.

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Speaker 2: The river.

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Speaker 3: It was just you know, the origin. But I am

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Speaker 3: going and I'm doing I'm doing a I'm hosting my

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Speaker 3: own breakout session and it's and I pitched it months

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Speaker 3: ago and I'm like, oh, yeah that. But it's going

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Speaker 3: to be how to bank your brand, tips for negotiating

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Speaker 3: your contracts and negotiating your brand deals. So tipmona, I'm

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Speaker 3: gonna be downloading your your brain a little bit for that. Yes,

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Speaker 3: let's get back to the b a buzz. Okay, So

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Speaker 3: we talked about the government shutdown, the writer's strike and

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Speaker 3: actors strike. Let's talk about student loans.

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Speaker 1: My friends are like, October instead of Winter's coming October?

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Speaker 3: Is it October first?

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Speaker 2: I don't know.

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Speaker 1: I was trying to find it said everything even says

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Speaker 1: even on their website, like like the government website, it

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Speaker 1: says it would be due sometime in October.

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Speaker 2: I'm like, what does that mean?

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Speaker 3: Does that mean that if we're doing really bad in

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Speaker 3: the polls, we will extend it again?

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Speaker 2: Girl?

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Speaker 3: I don't know.

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Speaker 2: It's really yeah, not so clear.

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Speaker 3: I hesitate to I don't want to make it like,

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Speaker 3: I mean, it is pretty partisan, but anyway, whether or

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Speaker 3: not you support her, I feel like most of our

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Speaker 3: listeners probably do. But AOC Alexandria, OK, she actually launched

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Speaker 3: a really great, very educational series, nonpartisan series, just on

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Speaker 3: the facts of what's going to happen when it comes

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Speaker 3: to student loan payments resuming and even people may be

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Speaker 3: eligible for forgiveness and not know it. So I'd love

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Speaker 3: to drop a link to her to whoror to her

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Speaker 3: ig in our show notes so you can or if

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Speaker 3: she has them, like you know, organized somewhere. But I

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Speaker 3: was watching a few of those and they were hell helpful,

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Speaker 3: even just for me to understand.

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Speaker 2: Yeah, I'm in here just looking. It's I'm just trying

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Speaker 2: to like I'm literally on.

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Speaker 1: Studentaid dot gov, and my my, they're not as helpful

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Speaker 1: as you would like them to be.

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Speaker 2: Yeah.

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Speaker 1: It basically it says student loan interest will resume starting

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Speaker 1: on September one, twenty twenty three, and payments will be

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Speaker 1: due starting in October. And maybe what they mean is that,

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Speaker 1: like you know, everybody's payment date is different, maybe, like

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Speaker 1: you know, you normally pit, so maybe that's why we

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Speaker 1: will communicate with borrows from now on until their first

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Speaker 1: payment due date.

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Speaker 2: So that's what.

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Speaker 1: Yeah, So that's so basically your interests has already started

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Speaker 1: and payment whenever your normal paydate is.

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Speaker 3: Yeah, call your servicer, call us, see what's happening. Make

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Speaker 3: sure you got it hooked up to the right bank account.

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Speaker 3: It's been three years, over three years at this point

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Speaker 3: from this pause and student loan payments. I do have

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Speaker 3: a little silver lining if you're wondering like those forgiveness programs,

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Speaker 3: because AOC talks about that in her messages about you know,

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Speaker 3: you may be eligible for forgiveness or a debt cancelation,

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Speaker 3: so you know, look into what you know your potential eligibility.

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Speaker 3: Is one of my Mandy money makers. I won't put

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Speaker 3: her name out there, but we just talked the other day.

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Speaker 3: She has worked for years for a community college and

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Speaker 3: had over two hundred thousand dollars worth of debt because

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Speaker 3: she went to law school. When you look at this

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Speaker 3: person's resume, I'm just like, Wow, you love you some school.

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Speaker 3: You're very smart. But went to law school, she went

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Speaker 3: to grad school, had all these degrees anyway, over two

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Speaker 3: hundred thousand dollars, but because she had worked over I

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Speaker 3: forget the ten years in public service. She got a

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Speaker 3: letter the week after she was laid off from her job.

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Speaker 3: She got laid off in May. I just met her

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Speaker 3: at this past September. But anyway, she got go in May,

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Speaker 3: and then like the week after, she she said she

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Speaker 3: prayed to God for like a sign that he still

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Speaker 3: had her back and that she was still in you know,

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Speaker 3: doing the right thing. And she got her loans forgiven

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Speaker 3: through PSLF.

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Speaker 2: Yes, that was g O D.

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Speaker 1: Yeah.

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Speaker 3: Yeah, So you know, for those of you who are

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Speaker 3: who are wondering if you're eligible, those things are still happening.

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Speaker 3: So you know, we can post something for some resources

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Speaker 3: in the show notes.

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Speaker 2: Yes and yeah.

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Speaker 1: And also don't you know, don't forget to apply for

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Speaker 1: things like income based for payment that you know, if

441
00:20:31,720 --> 00:20:33,679
Speaker 1: your income has changed, because you know, when all this

442
00:20:33,760 --> 00:20:35,600
Speaker 1: came to effect, you know, this was during.

443
00:20:35,400 --> 00:20:36,840
Speaker 2: COVID, that was a few years ago.

444
00:20:37,160 --> 00:20:38,679
Speaker 1: Also, you might have had a child, maybe you have

445
00:20:38,720 --> 00:20:41,840
Speaker 1: the little COVID baby, you know, you know, when he

446
00:20:41,960 --> 00:20:44,080
Speaker 1: was home, you know, getting it in and like you

447
00:20:44,119 --> 00:20:46,280
Speaker 1: have a baby now that can also affect your what

448
00:20:46,400 --> 00:20:47,359
Speaker 1: your income is.

449
00:20:47,359 --> 00:20:48,320
Speaker 2: Because it's not just your income.

450
00:20:48,359 --> 00:20:50,840
Speaker 1: They also look at family size when when calculating what

451
00:20:50,880 --> 00:20:55,200
Speaker 1: your income is and so don't you know, to Mandy's point,

452
00:20:55,400 --> 00:21:01,080
Speaker 1: like it was a doctor who, uh, she too, got

453
00:21:01,080 --> 00:21:03,439
Speaker 1: her loans forgiven, and she said, if she would have

454
00:21:03,440 --> 00:21:05,640
Speaker 1: had to pay all that back with interest and everything else,

455
00:21:05,640 --> 00:21:08,520
Speaker 1: it was close to a million dollars, like like if

456
00:21:08,520 --> 00:21:09,840
Speaker 1: she would have like you know, with the with how

457
00:21:09,840 --> 00:21:12,679
Speaker 1: many years and the interest pit And she was just like,

458
00:21:12,760 --> 00:21:14,320
Speaker 1: so she didn't owe a million, She owed like maybe

459
00:21:14,359 --> 00:21:17,160
Speaker 1: a few hundred thousand, but she was like, if I

460
00:21:17,160 --> 00:21:18,760
Speaker 1: had to pay them and finally pay them off at

461
00:21:18,800 --> 00:21:20,520
Speaker 1: forty or fifty or whatever, it would have been close

462
00:21:20,560 --> 00:21:21,200
Speaker 1: to that.

463
00:21:21,200 --> 00:21:22,840
Speaker 2: That's life changing.

464
00:21:23,080 --> 00:21:27,640
Speaker 3: Yes, and wan she was. She's in her fifties, so imagine,

465
00:21:27,680 --> 00:21:30,080
Speaker 3: I mean she's like, there's no I was gonna die

466
00:21:30,119 --> 00:21:34,200
Speaker 3: with this debt. It's two hundred something thousand. Yeah. Ah So,

467
00:21:35,119 --> 00:21:36,120
Speaker 3: m well, if.

468
00:21:36,400 --> 00:21:38,800
Speaker 1: That suspects everything, I don't think people realize that when

469
00:21:38,840 --> 00:21:41,199
Speaker 1: it comes to like, you know, your debt, it affects

470
00:21:41,240 --> 00:21:44,119
Speaker 1: whether or not you can purchase a home, you know,

471
00:21:44,440 --> 00:21:47,639
Speaker 1: because they take that into consideration. Your debt income, I mean,

472
00:21:47,640 --> 00:21:50,919
Speaker 1: your debt, your your debt to income ratio is like

473
00:21:51,080 --> 00:21:53,199
Speaker 1: the second most important number to your credit, you know,

474
00:21:53,240 --> 00:21:56,760
Speaker 1: when you're looking courches at home, getting a car, you know,

475
00:21:56,880 --> 00:21:59,640
Speaker 1: like it affects your credit overall. Like I know one

476
00:21:59,640 --> 00:22:02,879
Speaker 1: of my she's an attorney, but right before she got

477
00:22:02,920 --> 00:22:04,760
Speaker 1: her first job, she was so scared because her credit

478
00:22:04,800 --> 00:22:05,679
Speaker 1: wasn't good and they told.

479
00:22:05,560 --> 00:22:06,760
Speaker 2: Her that they factored in credit.

480
00:22:07,720 --> 00:22:11,520
Speaker 3: You know some can do that and then yeah, yeah,

481
00:22:11,680 --> 00:22:15,040
Speaker 3: especially if you're like in a finance Yeah, girl.

482
00:22:15,119 --> 00:22:17,080
Speaker 1: Girl, They're like, no, I handle this money with your

483
00:22:17,119 --> 00:22:21,200
Speaker 1: five hundred credit score. They're like, you'll be siphoning off

484
00:22:21,240 --> 00:22:23,560
Speaker 1: money to make sure you call, you get your brother.

485
00:22:23,680 --> 00:22:26,040
Speaker 3: He's not worried about student debt? Is Coco Golf? Did

486
00:22:26,040 --> 00:22:27,280
Speaker 3: you see that interview she gave.

487
00:22:27,480 --> 00:22:30,760
Speaker 1: First of all, I love it for her that she

488
00:22:30,760 --> 00:22:31,960
Speaker 1: didn't even know how to say the word debt.

489
00:22:32,160 --> 00:22:36,880
Speaker 2: She's like, I don't have debts with a B. She

490
00:22:37,040 --> 00:22:38,880
Speaker 2: was like, I'm so unfamiliar with this word. I can't

491
00:22:38,880 --> 00:22:40,760
Speaker 2: even pronounce it. She's like, I'm nineteen.

492
00:22:40,880 --> 00:22:43,440
Speaker 1: I'm like, girl, nineteen year olds have depths too. Yeah,

493
00:22:44,040 --> 00:22:45,879
Speaker 1: And she was like, you know, thankfully my parents because

494
00:22:45,920 --> 00:22:48,560
Speaker 1: my parents. So for those who don't know Coco after obviously,

495
00:22:48,600 --> 00:22:52,720
Speaker 1: if she won the US Open US Open right, US Open,

496
00:22:53,720 --> 00:22:57,280
Speaker 1: and and she she was on live, you know, just

497
00:22:57,320 --> 00:23:00,959
Speaker 1: talking to the people and when you win, your your

498
00:23:01,000 --> 00:23:03,719
Speaker 1: her prize money just for that particular I'm tournament.

499
00:23:03,760 --> 00:23:04,719
Speaker 2: It's three million dollars.

500
00:23:05,320 --> 00:23:07,399
Speaker 1: And she was live and someone said, what are you

501
00:23:07,440 --> 00:23:09,359
Speaker 1: gonna do with your three million dollars? Are you going

502
00:23:09,400 --> 00:23:12,240
Speaker 1: to pay down some debt? And she was like debts,

503
00:23:12,920 --> 00:23:15,800
Speaker 1: I don't, I don't. I'm not familiar with depths.

504
00:23:15,840 --> 00:23:17,800
Speaker 2: She literally said, I don't. I don't have depths.

505
00:23:18,400 --> 00:23:20,119
Speaker 1: And she was just like, but I love that for

506
00:23:20,200 --> 00:23:23,800
Speaker 1: her because you know that one her parents have been

507
00:23:23,840 --> 00:23:25,760
Speaker 1: able to one. I mean, we see the three million,

508
00:23:25,760 --> 00:23:28,000
Speaker 1: but Coco has made I think I read someplace like

509
00:23:28,000 --> 00:23:30,280
Speaker 1: something like eighteen million dollars this year, just endorsements and

510
00:23:30,280 --> 00:23:30,840
Speaker 1: things like that.

511
00:23:31,480 --> 00:23:31,679
Speaker 2: You know.

512
00:23:31,800 --> 00:23:34,639
Speaker 1: So that's one thing. And I love the fact she's like,

513
00:23:34,680 --> 00:23:38,120
Speaker 1: I still love It't hold my parents. I said, yes, yes,

514
00:23:38,320 --> 00:23:39,479
Speaker 1: parents keep her close.

515
00:23:40,000 --> 00:23:42,400
Speaker 3: But if you, if you do want to go to college,

516
00:23:42,600 --> 00:23:45,040
Speaker 3: and I'm not saying that you need to because like, hey,

517
00:23:45,320 --> 00:23:47,880
Speaker 3: the PR campaign, they need a PR team, the whole

518
00:23:47,920 --> 00:23:53,320
Speaker 3: four year college degree people. But anyway, because the messaging

519
00:23:53,400 --> 00:23:55,760
Speaker 3: is that is maybe not worth it as much as

520
00:23:55,800 --> 00:23:58,359
Speaker 3: people want you to believe, but if you know a

521
00:23:58,400 --> 00:24:01,359
Speaker 3: sport like you, if you know a sport or you

522
00:24:01,440 --> 00:24:03,920
Speaker 3: play an instrument like that, can really pay your way

523
00:24:03,920 --> 00:24:06,159
Speaker 3: through college. And I think I'm realizing that though, you know,

524
00:24:06,200 --> 00:24:07,720
Speaker 3: now that I have a kid, and I think about

525
00:24:08,359 --> 00:24:10,720
Speaker 3: I'm listening to like how you can get college tuition

526
00:24:10,840 --> 00:24:12,560
Speaker 3: paid for if you have a sport, I mean, you know,

527
00:24:12,800 --> 00:24:15,720
Speaker 3: a real sport, not the Hollywood actors who you know,

528
00:24:16,480 --> 00:24:19,000
Speaker 3: bribe people to say that their child is their professional

529
00:24:19,080 --> 00:24:24,520
Speaker 3: rower or lacrosse player or whatever. I'm like, Rio, what will.

530
00:24:24,400 --> 00:24:24,960
Speaker 2: Your sport be?

531
00:24:25,600 --> 00:24:26,800
Speaker 3: Is the lego building a sport?

532
00:24:27,600 --> 00:24:30,720
Speaker 1: I played tennis, Honestly. My sister Lisa got a full

533
00:24:30,720 --> 00:24:33,800
Speaker 1: scholarship to Temple with a tennis scholarship because she was

534
00:24:33,880 --> 00:24:36,159
Speaker 1: number one in the States in doubles when she played.

535
00:24:36,920 --> 00:24:38,560
Speaker 1: And then she decided after the freshman year, and I'm

536
00:24:38,600 --> 00:24:42,000
Speaker 1: like that, so she dropped the team and scholarship.

537
00:24:42,880 --> 00:24:44,440
Speaker 2: I was like, you know those are combined. She's like, well,

538
00:24:44,560 --> 00:24:45,560
Speaker 2: won't Daddy just paid for it.

539
00:24:45,600 --> 00:24:49,000
Speaker 1: I'm like, oh my god, oh god, I know.

540
00:24:49,000 --> 00:24:50,920
Speaker 3: So pulling your weight, you know what I'm saying.

541
00:24:51,080 --> 00:24:53,080
Speaker 1: I mean, we all just had to sit down and

542
00:24:53,119 --> 00:24:55,800
Speaker 1: my dad was considering it, and as we all said, no,

543
00:24:56,480 --> 00:24:59,040
Speaker 1: you bring your ass back home, She's like, I don't understand.

544
00:24:59,440 --> 00:25:01,960
Speaker 2: She was like, I was like, Lissa, you can't quit

545
00:25:02,040 --> 00:25:04,199
Speaker 2: the thing. I didn't like the catch. I was like,

546
00:25:04,200 --> 00:25:06,760
Speaker 2: well then you must. She loved Philly, and that's what

547
00:25:06,800 --> 00:25:10,560
Speaker 2: she went to temple, Baby Lisa. Yeah, this is baby Lisa.

548
00:25:10,600 --> 00:25:11,840
Speaker 2: She tried it, I know.

549
00:25:12,560 --> 00:25:17,199
Speaker 3: At that point already by then, girl, I was like,

550
00:25:17,880 --> 00:25:20,040
Speaker 3: well then you you're behind us coming home, and she did,

551
00:25:20,480 --> 00:25:23,439
Speaker 3: and she went to Rutgers, and she really was like

552
00:25:23,480 --> 00:25:25,399
Speaker 3: mad at us for a while because we told our dad, no,

553
00:25:25,560 --> 00:25:28,600
Speaker 3: do not pay at the pocket, because that doesn't make sense.

554
00:25:28,600 --> 00:25:29,320
Speaker 2: You don't paint a poet.

555
00:25:29,320 --> 00:25:30,959
Speaker 1: You're gonna have to pay the pocket anyway, but at

556
00:25:31,000 --> 00:25:32,439
Speaker 1: least let it be in state, because we live in

557
00:25:32,440 --> 00:25:33,720
Speaker 1: New Jersey, you know.

558
00:25:33,880 --> 00:25:35,359
Speaker 2: So she had to come home. I was like, you

559
00:25:35,480 --> 00:25:37,520
Speaker 2: big dummy, been and Philly.

560
00:25:37,240 --> 00:25:39,560
Speaker 1: Living it up with all the neosol life, and you're

561
00:25:39,600 --> 00:25:42,960
Speaker 1: back home in this strict household where you can't do nothing.

562
00:25:43,920 --> 00:25:47,479
Speaker 3: So she learned her lass not that far from Jersey.

563
00:25:48,080 --> 00:25:49,919
Speaker 1: Well, yeah, well I guess, cause you know, it's one thing.

564
00:25:49,960 --> 00:25:51,520
Speaker 1: She lived on campus because once she had to go

565
00:25:51,520 --> 00:25:54,520
Speaker 1: to Rutgers. She lived home, right, you know, and plus

566
00:25:54,560 --> 00:25:57,760
Speaker 1: two like you know, just yeah, well, you know Lisa.

567
00:25:57,440 --> 00:26:00,800
Speaker 2: Had to lie, and she did. But I was so shocked.

568
00:26:00,800 --> 00:26:03,360
Speaker 1: My dad was like, I guess I'll pay. We were like, now,

569
00:26:03,880 --> 00:26:04,600
Speaker 1: are you crazy?

570
00:26:04,800 --> 00:26:07,359
Speaker 2: No, she was so nonchalot. I remember my dad was like,

571
00:26:07,400 --> 00:26:08,000
Speaker 2: do you see this?

572
00:26:08,040 --> 00:26:10,200
Speaker 1: Built her credit card, her first credit card, built four

573
00:26:10,280 --> 00:26:15,760
Speaker 1: hundred dollars at CBS. At CBS, yo, I said, Lisa,

574
00:26:15,880 --> 00:26:18,000
Speaker 1: what could you possibly when I tell you she'd buy

575
00:26:19,040 --> 00:26:21,240
Speaker 1: all that? I was like, because you know how, I'm

576
00:26:21,240 --> 00:26:23,119
Speaker 1: sure there are things you could buy the supermarket way cheaper.

577
00:26:23,119 --> 00:26:25,760
Speaker 1: But it was like, girl, why should I be worrying

578
00:26:25,760 --> 00:26:31,440
Speaker 1: about things like that a toothbrush? I mean, yo, Lisa

579
00:26:31,520 --> 00:26:33,639
Speaker 1: was something else. Raising that girl was something by then.

580
00:26:33,680 --> 00:26:35,080
Speaker 1: My parents are so tired, so it.

581
00:26:35,080 --> 00:26:38,000
Speaker 2: Was on us. We was just like girl over here.

582
00:26:38,840 --> 00:26:41,000
Speaker 2: Even now, I'm still raising her at thirty four.

583
00:26:42,320 --> 00:26:48,639
Speaker 3: Age. Oh all right, anymore buzzy ba ba ba buzz

584
00:26:48,720 --> 00:26:49,440
Speaker 3: material for me?

585
00:26:50,440 --> 00:26:51,240
Speaker 2: I can't you know.

586
00:26:52,160 --> 00:26:53,560
Speaker 1: I always like this is just I mean, this was

587
00:26:53,600 --> 00:26:55,400
Speaker 1: out like a while ago, but just recently.

588
00:26:55,720 --> 00:26:59,400
Speaker 2: What's his name? Oh, he's he's married to Gabrielle Union.

589
00:26:59,440 --> 00:27:00,439
Speaker 2: Dayne raid Wade.

590
00:27:00,760 --> 00:27:03,679
Speaker 1: Yeah, had this like interview where I don't know, this

591
00:27:03,840 --> 00:27:06,240
Speaker 1: is not really about him, but it kind of sparked

592
00:27:06,280 --> 00:27:08,960
Speaker 1: back up for me when we learned. Do you remember

593
00:27:09,000 --> 00:27:11,320
Speaker 1: when Gabrielle Union said that she and Duayane split the

594
00:27:11,320 --> 00:27:12,160
Speaker 1: bills fifty to fifty?

595
00:27:12,240 --> 00:27:15,280
Speaker 3: Yeah? Yeah, did we talk about that possibly?

596
00:27:15,880 --> 00:27:17,800
Speaker 2: Okay, I was gonna say, like, what do you think

597
00:27:17,840 --> 00:27:18,280
Speaker 2: about that?

598
00:27:18,400 --> 00:27:22,359
Speaker 1: Like, you know, like cause he's significantly wealthier than her,

599
00:27:22,400 --> 00:27:24,280
Speaker 1: like three hundred million or something like that his networth

600
00:27:24,280 --> 00:27:25,080
Speaker 1: her she's thirty million.

601
00:27:25,200 --> 00:27:27,840
Speaker 2: Yeah, like she's thirty million. So no, I mean, obviously.

602
00:27:27,560 --> 00:27:30,520
Speaker 1: She's it's wealth on wealth, but it's a huge difference

603
00:27:30,640 --> 00:27:33,480
Speaker 1: to split fifty to fifty. And it was because I

604
00:27:33,520 --> 00:27:35,600
Speaker 1: think one day Dwayne said something about my house and

605
00:27:35,640 --> 00:27:37,320
Speaker 1: my this my that she said, oh, we gonna stop

606
00:27:37,320 --> 00:27:38,320
Speaker 1: all at my ma stuff.

607
00:27:38,960 --> 00:27:45,080
Speaker 2: We go on fifty to fifty. Yeah, but I'm like, yeah,

608
00:27:45,840 --> 00:27:51,520
Speaker 2: I hate that. I do hate that for her.

609
00:27:52,000 --> 00:27:56,560
Speaker 3: You know, I think when relationships with desperate income it

610
00:27:56,680 --> 00:27:59,440
Speaker 3: is I think that you want to you want to believe. Okay,

611
00:27:59,480 --> 00:28:02,399
Speaker 3: I'm gonna business for us. It's all for us until

612
00:28:02,400 --> 00:28:04,720
Speaker 3: the other person wants to do something that's out of

613
00:28:04,760 --> 00:28:08,760
Speaker 3: alignment with your values. And I speak from experience until

614
00:28:08,800 --> 00:28:11,440
Speaker 3: the other person decides they want things like a Tesla

615
00:28:11,800 --> 00:28:14,560
Speaker 3: and three thousand dollars custom.

616
00:28:14,320 --> 00:28:17,680
Speaker 2: Suits right or or denale. You know, in the case

617
00:28:17,720 --> 00:28:19,400
Speaker 2: of Jilders.

618
00:28:19,520 --> 00:28:21,119
Speaker 3: Is that a big old truck thing.

619
00:28:21,119 --> 00:28:24,280
Speaker 1: Big old nasty truck because with six six and it

620
00:28:24,359 --> 00:28:25,760
Speaker 1: has to be like people like when you come home

621
00:28:25,800 --> 00:28:27,359
Speaker 1: on this trip, it's gonna be, there's gonna be.

622
00:28:27,640 --> 00:28:28,800
Speaker 2: Now I'm like them.

623
00:28:30,080 --> 00:28:32,760
Speaker 3: That is when it becomes real hard. And that's when

624
00:28:32,800 --> 00:28:35,399
Speaker 3: you want to pull that whole card. Well, who's gonna

625
00:28:35,400 --> 00:28:38,720
Speaker 3: pay for it? My therapist says, it's not okay to

626
00:28:38,760 --> 00:28:39,120
Speaker 3: do that.

627
00:28:39,160 --> 00:28:41,680
Speaker 2: It's not okay, it's okay.

628
00:28:41,200 --> 00:28:44,200
Speaker 3: And like other people. But yeah, I think in that case,

629
00:28:44,520 --> 00:28:46,480
Speaker 3: I think the story but you and Joel that you

630
00:28:46,520 --> 00:28:50,040
Speaker 3: shared multiple times is like how he like you, wanted

631
00:28:50,080 --> 00:28:51,920
Speaker 3: to keep your lifestyle a certain level so that he

632
00:28:51,960 --> 00:28:55,840
Speaker 3: could always you know, contribute and all of that. Yeah,

633
00:28:55,880 --> 00:28:58,600
Speaker 3: and I think that that's great. But I also feel like,

634
00:28:59,440 --> 00:29:02,640
Speaker 3: you know, I would never want someone to be able

635
00:29:02,680 --> 00:29:04,560
Speaker 3: to tell me no, So that's why I'm always going

636
00:29:04,640 --> 00:29:08,880
Speaker 3: to have mine. Oh yeah, always, And like fifty to

637
00:29:08,880 --> 00:29:11,240
Speaker 3: fifty is so literal, like I doubt. They're sitting down

638
00:29:11,360 --> 00:29:14,200
Speaker 3: and he's like the mortgages. Their mortgage probably like thirty

639
00:29:14,200 --> 00:29:17,320
Speaker 3: thousand dollars. I don't know where's your fifteen thousand and

640
00:29:17,440 --> 00:29:21,080
Speaker 3: five cents? You know, I doubt that. But knowing that

641
00:29:21,120 --> 00:29:22,520
Speaker 3: if we're going to do something, we're gonna do it

642
00:29:22,520 --> 00:29:24,120
Speaker 3: together and we both need to be on the same

643
00:29:24,160 --> 00:29:26,240
Speaker 3: page about it, that's that's the hard stuff as a couple.

644
00:29:26,880 --> 00:29:30,680
Speaker 2: Yeah, and just navigating that, like I like one.

645
00:29:30,600 --> 00:29:30,840
Speaker 3: It was.

646
00:29:30,840 --> 00:29:32,440
Speaker 1: I think it was a little easier and maybe for

647
00:29:32,480 --> 00:29:35,080
Speaker 1: you too, because you when you and and and Enrique

648
00:29:35,080 --> 00:29:38,800
Speaker 1: got together, were you kind of making the same financially.

649
00:29:38,440 --> 00:29:43,280
Speaker 3: Or oh goodness, I don't know what he was making.

650
00:29:43,920 --> 00:29:46,520
Speaker 3: I know I was maybe like fifty k. I think

651
00:29:46,560 --> 00:29:48,320
Speaker 3: I was making a little bit more. But he was

652
00:29:48,440 --> 00:29:54,480
Speaker 3: very early in his goodman days. Yeah, so then I

653
00:29:54,480 --> 00:29:56,200
Speaker 3: don't know he's worked his way up.

654
00:29:56,920 --> 00:29:58,120
Speaker 2: When because some time to think.

655
00:29:58,160 --> 00:30:00,280
Speaker 1: Well, obviously, y'all know when I met Durell, I was

656
00:30:00,320 --> 00:30:02,040
Speaker 1: a preschool teacher. He was a maintenance man, so he

657
00:30:02,120 --> 00:30:04,200
Speaker 1: was neck and neck. Basically I was making thirty nine,

658
00:30:04,400 --> 00:30:07,880
Speaker 1: that's true. And then, like you know, we stopped seeing

659
00:30:07,920 --> 00:30:10,280
Speaker 1: each other, and then when we started to date a

660
00:30:10,320 --> 00:30:13,320
Speaker 1: little bit when I was in my thirty my early

661
00:30:13,400 --> 00:30:14,360
Speaker 1: early early thirties.

662
00:30:14,520 --> 00:30:15,800
Speaker 2: I think I was like twenty nine thirty.

663
00:30:16,320 --> 00:30:18,200
Speaker 1: I was making nothing because I had just started the

664
00:30:18,200 --> 00:30:20,760
Speaker 1: Budgetista and I was basically on unemployment. And you know,

665
00:30:20,840 --> 00:30:24,160
Speaker 1: he was well into working for housing, and I don't know,

666
00:30:24,160 --> 00:30:26,200
Speaker 1: maybe he was making forty or fifty, I don't even know.

667
00:30:27,360 --> 00:30:30,920
Speaker 1: And then at thirty four we started dating like for real,

668
00:30:30,960 --> 00:30:35,600
Speaker 1: for real, I was making six figures engross in business,

669
00:30:35,600 --> 00:30:38,400
Speaker 1: but probably taking home about fifty or sixty. So we

670
00:30:38,400 --> 00:30:40,680
Speaker 1: were kind of neck and neck, you know at that

671
00:30:40,760 --> 00:30:42,520
Speaker 1: time when I when I actually moved in with him,

672
00:30:42,560 --> 00:30:46,680
Speaker 1: I was thirty four, and so yeah, in the halfway

673
00:30:46,680 --> 00:30:48,560
Speaker 1: hood we were living, but he paid all the bills

674
00:30:48,600 --> 00:30:50,040
Speaker 1: to because I moved in with him, and I said,

675
00:30:50,040 --> 00:30:50,880
Speaker 1: do you want me to go half?

676
00:30:50,920 --> 00:30:52,720
Speaker 2: Because it was a halfway hood.

677
00:30:52,760 --> 00:30:56,480
Speaker 1: So and he worked for housing and he was like

678
00:30:56,800 --> 00:30:59,400
Speaker 1: on call, so they had him. They had we had

679
00:30:59,400 --> 00:31:02,080
Speaker 1: a really nice time house, but it was still housing property.

680
00:31:02,120 --> 00:31:05,000
Speaker 1: So our rent was only nine to twenty, you know,

681
00:31:05,160 --> 00:31:06,440
Speaker 1: and I was like, do you want me to go half?

682
00:31:06,440 --> 00:31:11,080
Speaker 1: He was like, I got it, And so I didn't

683
00:31:11,120 --> 00:31:13,680
Speaker 1: have a car note he did, so he could continue

684
00:31:13,680 --> 00:31:15,560
Speaker 1: to pay his own bills, and so he just basically

685
00:31:15,560 --> 00:31:17,880
Speaker 1: took care of all the bills, you know what he

686
00:31:17,920 --> 00:31:20,040
Speaker 1: was already taking care of when I moved in, And

687
00:31:20,080 --> 00:31:23,600
Speaker 1: then it allowed me, without having to worry about bills,

688
00:31:23,720 --> 00:31:26,480
Speaker 1: to really grow the budget neista and like the like.

689
00:31:26,800 --> 00:31:28,800
Speaker 1: Within two years of living there, you know, went from

690
00:31:28,840 --> 00:31:31,760
Speaker 1: six figures annually to seven figures not me take home,

691
00:31:31,800 --> 00:31:34,480
Speaker 1: but it's the business. So now I'm not making six

692
00:31:34,520 --> 00:31:37,080
Speaker 1: figures take home and then more, and so I think

693
00:31:37,120 --> 00:31:39,959
Speaker 1: that made it a little easier because it wasn't like

694
00:31:40,440 --> 00:31:43,040
Speaker 1: how I am now trying to navigate dating, where it's

695
00:31:43,080 --> 00:31:47,120
Speaker 1: like I, you know, can make and I've made seven

696
00:31:47,160 --> 00:31:49,680
Speaker 1: figures take home, multiple seven figures take home at least

697
00:31:49,800 --> 00:31:52,800
Speaker 1: high six figures take home and not with It's not

698
00:31:52,840 --> 00:31:55,680
Speaker 1: like whoever I date. Now we've built this together. Yeah,

699
00:31:55,880 --> 00:31:58,040
Speaker 1: you know, so Withirell, because people are like, oh, how'd

700
00:31:58,040 --> 00:31:59,160
Speaker 1: you make it work? I'm like, yeah, but you have

701
00:31:59,200 --> 00:32:01,760
Speaker 1: to understand he met me preschool teacher Tippany. I never

702
00:32:01,800 --> 00:32:04,200
Speaker 1: ever once felt like he's only here why Because when

703
00:32:04,200 --> 00:32:07,000
Speaker 1: I was a preschool teacher, he was like one day she's.

704
00:32:06,840 --> 00:32:08,640
Speaker 2: Gonna randomly started fighting.

705
00:32:11,160 --> 00:32:15,360
Speaker 1: Exactly, so that was easier and so but now it

706
00:32:15,520 --> 00:32:19,960
Speaker 1: is kind of like challenging because certainly, you know, there

707
00:32:20,000 --> 00:32:22,560
Speaker 1: are guys that I've gone out with who you know,

708
00:32:23,640 --> 00:32:26,600
Speaker 1: make way way way less, and you know, like there

709
00:32:26,640 --> 00:32:28,560
Speaker 1: are a couple of guys have dated that make more,

710
00:32:29,200 --> 00:32:34,760
Speaker 1: you know, and so I'm still navigating like what, like

711
00:32:34,800 --> 00:32:37,680
Speaker 1: where where the line is for me, you know, because

712
00:32:37,720 --> 00:32:39,880
Speaker 1: I haven't had to navigate that, because like I didn't care.

713
00:32:39,920 --> 00:32:42,520
Speaker 1: With Jarrell, I'm like, whatever, we you know, I built

714
00:32:42,520 --> 00:32:45,080
Speaker 1: this essentially because you've been here to support me, and

715
00:32:45,120 --> 00:32:48,360
Speaker 1: then we just navigated accordingly. And by the time I

716
00:32:48,400 --> 00:32:50,040
Speaker 1: really blew up, I was able to say, Okay, you

717
00:32:50,040 --> 00:32:52,200
Speaker 1: could continue to pay the bills. I will save an

718
00:32:52,200 --> 00:32:54,720
Speaker 1: invest for us, and that's what I'm I did, you know,

719
00:32:54,800 --> 00:32:57,240
Speaker 1: But with somebody who doesn't contribute to my household, it's

720
00:32:57,280 --> 00:33:00,200
Speaker 1: like what, I don't know what the girl is who

721
00:33:00,200 --> 00:33:02,880
Speaker 1: make like really good money when they're in a dating

722
00:33:02,920 --> 00:33:05,200
Speaker 1: like space, you know, because I think I read a

723
00:33:05,200 --> 00:33:07,280
Speaker 1: statistic that said, because I may I prefer black men,

724
00:33:08,840 --> 00:33:11,080
Speaker 1: that like less than eight percent of black men make

725
00:33:11,160 --> 00:33:14,920
Speaker 1: over one hundred thousand dollars a year, and so it's

726
00:33:15,040 --> 00:33:16,640
Speaker 1: like less.

727
00:33:16,440 --> 00:33:18,760
Speaker 3: Than eight percent, Well, The thing is like, I don't

728
00:33:18,960 --> 00:33:22,480
Speaker 3: I feel it's very different. You're just in such a huge,

729
00:33:22,840 --> 00:33:26,520
Speaker 3: hugely different phase. There's no way, even if you met

730
00:33:26,560 --> 00:33:29,800
Speaker 3: Superman today that you probably would have approached it the same. Yes,

731
00:33:29,880 --> 00:33:31,880
Speaker 3: you know, like no one's ever going to be able

732
00:33:31,960 --> 00:33:34,160
Speaker 3: to go back with you and your you know, late twenties,

733
00:33:34,200 --> 00:33:37,160
Speaker 3: early thirties, building your business in Durell, y'all, when you

734
00:33:37,200 --> 00:33:40,080
Speaker 3: were in that mindset where you didn't know things were going,

735
00:33:40,160 --> 00:33:42,560
Speaker 3: and you're never going to operate from that space again.

736
00:33:42,600 --> 00:33:45,200
Speaker 3: I kind of feel like, I don't even and how

737
00:33:45,320 --> 00:33:47,240
Speaker 3: soon would it even be. I know that you're dating,

738
00:33:47,320 --> 00:33:50,160
Speaker 3: but I feel like you're really far away from living

739
00:33:50,200 --> 00:33:50,560
Speaker 3: with someone.

740
00:33:50,560 --> 00:33:51,040
Speaker 2: Partnership.

741
00:33:51,080 --> 00:33:52,880
Speaker 3: Yeah, yeah, well I don't think I'm gona split bills.

742
00:33:53,320 --> 00:33:55,240
Speaker 2: Yes, I don't know that. I I mean, I guess

743
00:33:55,240 --> 00:33:55,760
Speaker 2: you never know.

744
00:33:55,960 --> 00:33:58,959
Speaker 1: But I guess I'm just thinking because even as you're dating,

745
00:33:59,040 --> 00:34:00,560
Speaker 1: I feel like you want to be my for like

746
00:34:01,720 --> 00:34:04,400
Speaker 1: this could possibly, especially at this age. It'd be one

747
00:34:04,400 --> 00:34:06,760
Speaker 1: thing if I was twenty one. I mean, to be candid,

748
00:34:06,880 --> 00:34:09,480
Speaker 1: The guys who are dating now are not dating casually,

749
00:34:09,719 --> 00:34:12,160
Speaker 1: not that that's not what I found. You know, they're

750
00:34:12,200 --> 00:34:15,120
Speaker 1: dating with the intention of like, if not marriage, like

751
00:34:15,320 --> 00:34:19,480
Speaker 1: deep partnership, and so I'm kind of like, well, how

752
00:34:19,520 --> 00:34:22,040
Speaker 1: does that look, you know, because it's not me, I mean,

753
00:34:22,080 --> 00:34:23,799
Speaker 1: you know me, I'm in my target's best always like this,

754
00:34:23,880 --> 00:34:25,760
Speaker 1: you know, a little Amazon outfit.

755
00:34:25,760 --> 00:34:26,600
Speaker 2: So it's not even that.

756
00:34:26,640 --> 00:34:29,840
Speaker 1: It's just if I'm going to go on a nice vacation,

757
00:34:30,600 --> 00:34:33,759
Speaker 1: you know, all on my MX points because I'm still

758
00:34:33,760 --> 00:34:37,279
Speaker 1: about to be said, still I'm still flying business and

759
00:34:37,360 --> 00:34:39,000
Speaker 1: still staying in a nice hotel.

760
00:34:39,320 --> 00:34:42,120
Speaker 2: And I'm like, who paying for you?

761
00:34:43,160 --> 00:34:44,759
Speaker 3: Oh, like should you pay for them or not?

762
00:34:45,400 --> 00:34:45,680
Speaker 1: Yeah?

763
00:34:45,800 --> 00:34:48,920
Speaker 2: Well I mean or not? Why not? You know, but

764
00:34:49,200 --> 00:34:51,800
Speaker 2: meaning like what does that? You know, as those.

765
00:34:51,680 --> 00:34:55,920
Speaker 3: Change your expectation for vacation so that they can equally contribute.

766
00:34:56,200 --> 00:35:00,239
Speaker 2: Yeah, but I know, I know economy anymore, you know.

767
00:35:00,320 --> 00:35:02,200
Speaker 1: So that's the kind of things that like I kind

768
00:35:02,200 --> 00:35:03,560
Speaker 1: of I mean, it hasn't come up yet because I'm

769
00:35:03,560 --> 00:35:05,520
Speaker 1: not traveled with anyone or whatever. But you know, as

770
00:35:05,560 --> 00:35:07,480
Speaker 1: you're dating, I'm just like, I'm thinking about that now,

771
00:35:07,520 --> 00:35:09,719
Speaker 1: where you know before it's like, no, I wouldn't mind

772
00:35:09,760 --> 00:35:11,359
Speaker 1: dating someone who made less. I'm like, no, you're talking

773
00:35:11,360 --> 00:35:15,040
Speaker 1: about Jirell. That was a very specific we came up together.

774
00:35:15,680 --> 00:35:19,239
Speaker 1: This is different, you know, like yeah, so I don't know,

775
00:35:19,280 --> 00:35:20,879
Speaker 1: it's just like just something that I just been thinking

776
00:35:20,880 --> 00:35:22,920
Speaker 1: about as I'm dating, like all these different ranges, Like

777
00:35:23,400 --> 00:35:26,000
Speaker 1: you know, there's one guy who was a teacher. I

778
00:35:26,040 --> 00:35:28,879
Speaker 1: mean teachers make a solid you know, but not a ton.

779
00:35:29,000 --> 00:35:30,680
Speaker 1: Because my rule used to be before you have to

780
00:35:30,680 --> 00:35:32,360
Speaker 1: be able to make enough to take care of yourself

781
00:35:32,360 --> 00:35:35,879
Speaker 1: and your responsibilities. That's like at the bare bones, make

782
00:35:36,000 --> 00:35:41,319
Speaker 1: enough to take care of yourself and your responsibilities. But

783
00:35:41,480 --> 00:35:43,840
Speaker 1: now it's like this that have to really change because

784
00:35:43,920 --> 00:35:46,600
Speaker 1: that might mean that you can't go on a trick

785
00:35:46,640 --> 00:35:48,960
Speaker 1: with me because you have just enough to take care

786
00:35:49,000 --> 00:35:51,520
Speaker 1: of yourself and your responsibilities, but nothing excess, you know,

787
00:35:52,400 --> 00:35:56,000
Speaker 1: or does it get awkward like you know, like you know,

788
00:35:56,040 --> 00:35:57,919
Speaker 1: I have this beautiful condo which you see a mandy

789
00:35:58,000 --> 00:36:01,520
Speaker 1: like it's just coming along like you definitely, oh my gosh,

790
00:36:01,560 --> 00:36:05,799
Speaker 1: it's giving wealth. Like even my most cynic sisters are like,

791
00:36:05,800 --> 00:36:06,520
Speaker 1: oh my god.

792
00:36:07,040 --> 00:36:08,439
Speaker 3: Right, and so like when.

793
00:36:08,360 --> 00:36:11,319
Speaker 1: You come over, you gotta feel intimidated by that, you know,

794
00:36:12,960 --> 00:36:14,520
Speaker 1: or you're going to think like the thing because I'm

795
00:36:14,560 --> 00:36:16,800
Speaker 1: really simple, like I love a poem and a card

796
00:36:16,880 --> 00:36:19,200
Speaker 1: and tulips some whole foods, or you're going to think

797
00:36:19,200 --> 00:36:20,520
Speaker 1: that you have to like spend a whole lot of

798
00:36:20,520 --> 00:36:22,480
Speaker 1: money in order to like, I don't know. These are

799
00:36:22,520 --> 00:36:24,200
Speaker 1: just things that have just been coming up of like

800
00:36:24,480 --> 00:36:27,239
Speaker 1: where I am, and I just never thought about that before.

801
00:36:27,280 --> 00:36:30,000
Speaker 1: And also too not that most men are not gold diggers,

802
00:36:30,000 --> 00:36:32,200
Speaker 1: but you think about that, like is that a thing

803
00:36:32,719 --> 00:36:34,560
Speaker 1: that you'll get like a guy who was like, ooho,

804
00:36:34,960 --> 00:36:37,120
Speaker 1: hopefully she'll pay for things. I find most men are

805
00:36:37,120 --> 00:36:39,080
Speaker 1: not like that. I'm assuming, but I don't know. I

806
00:36:39,080 --> 00:36:41,000
Speaker 1: haven't been in a dating pool long enough to be like,

807
00:36:41,400 --> 00:36:42,560
Speaker 1: you know, what's the temperature?

808
00:36:42,640 --> 00:36:45,040
Speaker 2: Are there? Gold digger guy? Is that like a is

809
00:36:45,040 --> 00:36:45,760
Speaker 2: there an uptick?

810
00:36:46,440 --> 00:36:48,120
Speaker 3: I mean, I'm sure they exist. Don't get your shoes

811
00:36:48,120 --> 00:36:52,720
Speaker 3: stolen on the tinder hed go to TikTok. I feel

812
00:36:52,719 --> 00:36:56,719
Speaker 3: like you're a perfect partner. Your ideal partner is out there,

813
00:36:56,920 --> 00:36:59,359
Speaker 3: and I don't know, I think you're going to figure

814
00:36:59,360 --> 00:37:01,880
Speaker 3: it out. I feel like, and you're gonna tell a

815
00:37:01,960 --> 00:37:04,600
Speaker 3: very unique story of how it worked for you and

816
00:37:04,680 --> 00:37:06,880
Speaker 3: anyone who's listening on a similar journey or in a

817
00:37:06,880 --> 00:37:11,520
Speaker 3: similar place, Like everyone's puzzle piece is shaped different, you know,

818
00:37:11,600 --> 00:37:14,520
Speaker 3: like the jigsaw of the relationship and the life. I

819
00:37:14,640 --> 00:37:19,080
Speaker 3: just I choose optimism in terms of you're too fabulous,

820
00:37:19,120 --> 00:37:23,600
Speaker 3: too bright, shiny, spectacular with your big life. You know,

821
00:37:23,680 --> 00:37:25,560
Speaker 3: if you if you so choose to share it with someone,

822
00:37:25,600 --> 00:37:27,680
Speaker 3: you're too fabulous not to and they will rise to

823
00:37:27,719 --> 00:37:31,120
Speaker 3: that occasion. There will be someone, you know. That's how

824
00:37:31,160 --> 00:37:33,080
Speaker 3: I feel, because the world where that doesn't happen just

825
00:37:33,120 --> 00:37:33,960
Speaker 3: don't make sense to me.

826
00:37:35,520 --> 00:37:39,120
Speaker 1: I'm not I'm not in rush, right, I'm just like,

827
00:37:39,719 --> 00:37:42,720
Speaker 1: I'm like, wow, is this what chopping in our handy streets?

828
00:37:43,440 --> 00:37:46,680
Speaker 2: Navigating? Just I like being inside the house.

829
00:37:48,200 --> 00:37:50,560
Speaker 1: You know, your husband can work a nerve, but you're like,

830
00:37:50,640 --> 00:37:51,719
Speaker 1: it's the nerve I know.

831
00:37:52,280 --> 00:37:55,520
Speaker 3: Thanks for reminding me that. Yeah, it is cold out there, girl,

832
00:37:57,920 --> 00:37:59,719
Speaker 3: must I be dating with kids? So it's cute when

833
00:37:59,719 --> 00:38:02,400
Speaker 3: you're a but when you're a woman you put that

834
00:38:02,440 --> 00:38:03,120
Speaker 3: in your profile.

835
00:38:05,560 --> 00:38:06,719
Speaker 2: Yeah, it's always crazy.

836
00:38:06,800 --> 00:38:08,920
Speaker 1: When I see guys, I'm like, oh my baby six months,

837
00:38:08,920 --> 00:38:11,520
Speaker 1: I'm like, oh, sorry, you're busy.

838
00:38:12,719 --> 00:38:14,000
Speaker 2: I need you to focus.

839
00:38:14,360 --> 00:38:14,880
Speaker 3: Focus.

840
00:38:17,920 --> 00:38:19,319
Speaker 2: Yes, let's break.

841
00:38:19,400 --> 00:38:21,719
Speaker 3: Yeah, let's take a quick break. And as a reminder,

842
00:38:21,800 --> 00:38:25,799
Speaker 3: please share, like, follow, subscribe to the BA podcast, and

843
00:38:25,800 --> 00:38:28,279
Speaker 3: tell a friend to tell a friend, Our show can

844
00:38:28,320 --> 00:38:32,640
Speaker 3: only grow if you guys continue to share and let

845
00:38:32,680 --> 00:38:35,839
Speaker 3: others know about us. So tag us, text your friend

846
00:38:35,880 --> 00:38:38,000
Speaker 3: the link to the show. Go to Apple dot com,

847
00:38:38,000 --> 00:38:41,480
Speaker 3: slash brown Ambition and hit follow. Leave us a review,

848
00:38:42,360 --> 00:38:42,680
Speaker 3: thank you.

849
00:38:42,719 --> 00:38:46,600
Speaker 1: If you've got a really nice brother, hit me in

850
00:38:46,600 --> 00:38:51,800
Speaker 1: the dam and I'm just joking a review.

851
00:38:52,800 --> 00:38:56,920
Speaker 3: If I don't think you want all of that, Okay, I'm.

852
00:38:56,800 --> 00:39:01,000
Speaker 2: Just joking, all right with back in the moment.

853
00:39:03,800 --> 00:39:09,960
Speaker 1: And we're back for the wait to know.

854
00:39:10,920 --> 00:39:13,200
Speaker 2: And now it's time wait, no, no, damn it. What

855
00:39:13,320 --> 00:39:13,880
Speaker 2: can I booster?

856
00:39:14,760 --> 00:39:17,719
Speaker 1: Yes, booster And now it's time to boost up break

857
00:39:18,040 --> 00:39:18,600
Speaker 1: boost up?

858
00:39:18,680 --> 00:39:23,520
Speaker 2: Like boost up, break, Yo, you're gonna boost? Are you

859
00:39:23,560 --> 00:39:30,920
Speaker 2: gonna bit? What you're gonna do? What you're gonna to? Mandy?

860
00:39:31,080 --> 00:39:32,440
Speaker 2: Are you gonna boost and break? You wanna go for

861
00:39:32,440 --> 00:39:34,080
Speaker 2: at second? Mine is like a light light boost.

862
00:39:34,360 --> 00:39:36,640
Speaker 3: I'm gonna boost because I was just listening to an

863
00:39:36,640 --> 00:39:41,719
Speaker 3: interview with Leslie Jones of SNL Ghostbusters Comedic fame, and

864
00:39:41,760 --> 00:39:45,120
Speaker 3: I didn't really know much about her backstory but her

865
00:39:45,360 --> 00:39:49,520
Speaker 3: memoir Leslie Ethan Jones, I can say it. I was

866
00:39:49,560 --> 00:39:51,279
Speaker 3: listening to her on NPR, so she had to keep

867
00:39:51,280 --> 00:39:54,160
Speaker 3: saying Ethan, But it's Leslie fucking Jones has her new

868
00:39:54,200 --> 00:39:55,880
Speaker 3: memoir coming out, and I just thought it was so

869
00:39:56,560 --> 00:39:59,200
Speaker 3: her interview was so great and she's so you know.

870
00:39:59,680 --> 00:40:02,360
Speaker 3: She a story about how both of her parents passed

871
00:40:02,360 --> 00:40:04,359
Speaker 3: away within six months of each other, and because they

872
00:40:04,360 --> 00:40:07,879
Speaker 3: didn't have life insurance, she worked a gig during her

873
00:40:07,880 --> 00:40:10,960
Speaker 3: father's funeral so that she could pay for it, like

874
00:40:11,120 --> 00:40:15,080
Speaker 3: in Amsterdam or something like that. But I just think

875
00:40:15,280 --> 00:40:18,080
Speaker 3: and talk about a story of your journey is on

876
00:40:18,120 --> 00:40:20,000
Speaker 3: your own timeline, because she didn't really hit it big,

877
00:40:20,040 --> 00:40:22,719
Speaker 3: so she was in her forties, you know, yeah, and

878
00:40:22,760 --> 00:40:25,319
Speaker 3: she's in her fifties now and be on top of

879
00:40:25,360 --> 00:40:27,799
Speaker 3: being hilarious, I just think it's a great just a

880
00:40:27,840 --> 00:40:31,400
Speaker 3: great story and she's fabulous. And there's one quote that

881
00:40:31,440 --> 00:40:34,200
Speaker 3: has continued to stick with me from and it's a

882
00:40:34,280 --> 00:40:37,040
Speaker 3: quote that she took from God dang, who is that

883
00:40:37,440 --> 00:40:42,560
Speaker 3: comedian Kat Williams. He told her apparently when she was

884
00:40:42,800 --> 00:40:44,480
Speaker 3: when she was like, you know, building her career and

885
00:40:44,520 --> 00:40:47,400
Speaker 3: stand up, he said, stop working from a place of

886
00:40:47,440 --> 00:40:50,719
Speaker 3: desperation and you'll get bigger gigs. She's like, what do

887
00:40:50,719 --> 00:40:53,840
Speaker 3: you mean, I'm desperate, I'm broke, as a joke. I

888
00:40:53,880 --> 00:40:56,359
Speaker 3: am desperate. He's like, no, but you're making decisions at

889
00:40:56,360 --> 00:40:59,400
Speaker 3: a desperation, saying yes to things that are not worthy

890
00:40:59,440 --> 00:41:03,080
Speaker 3: of you, saying things that are small. And I just

891
00:41:03,160 --> 00:41:06,600
Speaker 3: love that that quote, and it reminded me why. Like

892
00:41:07,080 --> 00:41:08,840
Speaker 3: when I got back from maternity leave, I had a

893
00:41:08,840 --> 00:41:13,719
Speaker 3: couple of speaking engagements that I just that were I

894
00:41:13,719 --> 00:41:17,799
Speaker 3: don't know like they were. They were fine, But I'm

895
00:41:17,800 --> 00:41:21,120
Speaker 3: in this. I'm in this like very intense reaping period.

896
00:41:21,120 --> 00:41:23,280
Speaker 3: We talked about that before I'm reaping, I'm writing my book.

897
00:41:23,320 --> 00:41:27,319
Speaker 3: I'm trying to be really really particular about what I do.

898
00:41:27,360 --> 00:41:29,919
Speaker 3: And I said no, And I was like, but that's

899
00:41:30,000 --> 00:41:32,399
Speaker 3: thousands and thousands of dollars that you just gonna say

900
00:41:32,440 --> 00:41:37,640
Speaker 3: no to. Yeah, I just just and I was a sham,

901
00:41:37,800 --> 00:41:39,520
Speaker 3: not a shame, but I was scared to Like I

902
00:41:39,520 --> 00:41:41,160
Speaker 3: didn't want to tell my husband about it because he

903
00:41:41,160 --> 00:41:41,640
Speaker 3: could have been.

904
00:41:41,520 --> 00:41:42,200
Speaker 2: Like, what do you mean?

905
00:41:44,080 --> 00:41:47,319
Speaker 3: But I just said, I'm going to save space for

906
00:41:47,400 --> 00:41:50,200
Speaker 3: a bigger and better I'm going to save space for

907
00:41:50,280 --> 00:41:51,960
Speaker 3: the thing that I can't say no to. And if

908
00:41:52,000 --> 00:41:53,960
Speaker 3: I say yes to these things that I can say

909
00:41:54,000 --> 00:41:57,439
Speaker 3: no to, I'm giving up what limited extra energy I have,

910
00:41:58,400 --> 00:42:02,279
Speaker 3: and within a couple of weeks an incredible opportunity came

911
00:42:02,280 --> 00:42:04,680
Speaker 3: my way. I get to partner with a former a

912
00:42:04,719 --> 00:42:06,799
Speaker 3: former partner of mine or you know, when I haven't

913
00:42:06,800 --> 00:42:10,120
Speaker 3: worked with in a while. That is not just more money,

914
00:42:10,120 --> 00:42:12,640
Speaker 3: but so much better aligned. Like when I read the email,

915
00:42:12,719 --> 00:42:15,160
Speaker 3: I was like, I'm grinning air from ear to ear.

916
00:42:15,200 --> 00:42:17,040
Speaker 3: I want to do this thing, you know, like I

917
00:42:17,040 --> 00:42:20,560
Speaker 3: would love to do this. So I love that. Yeah,

918
00:42:20,600 --> 00:42:24,880
Speaker 3: so thank you to Kat Williams and Leslie Jones making

919
00:42:24,960 --> 00:42:28,239
Speaker 3: me think about that. But yeah, check out her memoir

920
00:42:28,360 --> 00:42:30,120
Speaker 3: and I'm for sure we're going to get the audiobook

921
00:42:30,120 --> 00:42:31,640
Speaker 3: because you know it's gonna be hilarious.

922
00:42:31,880 --> 00:42:32,359
Speaker 2: Oh my god.

923
00:42:32,400 --> 00:42:34,719
Speaker 1: Actually that's a really good idea because yeah, some audiobooks

924
00:42:34,719 --> 00:42:35,560
Speaker 1: you just have to listen to.

925
00:42:36,800 --> 00:42:39,160
Speaker 2: I'm gonna bust a Oyoh.

926
00:42:39,280 --> 00:42:41,120
Speaker 1: I know we haven't broken in a while, but I'm like, whatever,

927
00:42:42,320 --> 00:42:48,239
Speaker 1: I'm gonna boost. Uh well, yes, so I but you

928
00:42:48,280 --> 00:42:50,840
Speaker 1: can't tell now because you know, I beat my face slightly,

929
00:42:50,920 --> 00:42:53,440
Speaker 1: but I don't know. I've just broken out the last

930
00:42:53,440 --> 00:42:55,120
Speaker 1: couple of weeks and my face was like and you know,

931
00:42:55,239 --> 00:42:57,040
Speaker 1: especially as a brownskin.

932
00:42:56,960 --> 00:43:00,880
Speaker 2: Brown skiing girl, you break out all of a sudden.

933
00:43:00,680 --> 00:43:04,040
Speaker 1: You have spots that like, like, you know, because because

934
00:43:04,080 --> 00:43:07,880
Speaker 1: we have more melanin, like the Scott spots are darker

935
00:43:07,880 --> 00:43:10,160
Speaker 1: and last foot, you know.

936
00:43:10,400 --> 00:43:12,560
Speaker 2: And I just was, literally, so maybe this is a

937
00:43:12,600 --> 00:43:13,240
Speaker 2: boosty breaking.

938
00:43:14,080 --> 00:43:17,400
Speaker 1: I was really frustrated because, you know so much like

939
00:43:17,440 --> 00:43:19,759
Speaker 1: I literally was like, oh, I've heard of all of

940
00:43:19,800 --> 00:43:23,520
Speaker 1: these like great tools and things that you can use

941
00:43:23,600 --> 00:43:27,120
Speaker 1: like skincare things for your skin. So actually I went

942
00:43:27,160 --> 00:43:30,919
Speaker 1: to Sephora today and was looking at this company called

943
00:43:31,600 --> 00:43:34,320
Speaker 1: Ola Henderson something like anyway, they have this brightening stick

944
00:43:35,440 --> 00:43:40,759
Speaker 1: and every shade was tan, tanner, orange, tan, brownie tan.

945
00:43:41,120 --> 00:43:44,120
Speaker 1: I was like, and I remember the woman, bless her heart,

946
00:43:44,760 --> 00:43:48,560
Speaker 1: I was like, are these is there clear? I wasn't

947
00:43:48,560 --> 00:43:50,759
Speaker 1: even looking for brown. Yeah, And she was like no,

948
00:43:50,800 --> 00:43:52,279
Speaker 1: I think it all comes to one color. I'm like, no,

949
00:43:52,360 --> 00:43:54,680
Speaker 1: it doesn't. And then so there was this orange one

950
00:43:54,719 --> 00:43:56,640
Speaker 1: and I swashed it on my arm and she was like,

951
00:43:56,680 --> 00:44:00,120
Speaker 1: maybe if you blend it in. I'm like no, and

952
00:44:00,160 --> 00:44:02,839
Speaker 1: I shouldn't have to. When I was really frustrated, I

953
00:44:02,880 --> 00:44:05,360
Speaker 1: was like, ugh, are there no products for like hyper

954
00:44:05,360 --> 00:44:09,160
Speaker 1: pigmentation and dark spots for like black skin. So as

955
00:44:09,200 --> 00:44:13,920
Speaker 1: I stood in the Saphora. I googled best products for black.

956
00:44:13,719 --> 00:44:17,040
Speaker 2: Skin and hyperpigmentation. Hyperpigmentation is like just like.

957
00:44:17,040 --> 00:44:21,160
Speaker 1: Darkness on dark skin basically, and I found this brand

958
00:44:21,360 --> 00:44:23,120
Speaker 1: and it seemed too good to be true. It was

959
00:44:23,160 --> 00:44:24,920
Speaker 1: like they had all the things, and I was like,

960
00:44:25,480 --> 00:44:28,600
Speaker 1: it's called Cocoa Rose, and I was like, hmm, this

961
00:44:28,640 --> 00:44:30,320
Speaker 1: seems too good to be true. And I'm like, the

962
00:44:30,360 --> 00:44:32,080
Speaker 1: reason why it's too good to be true is because

963
00:44:32,160 --> 00:44:34,400
Speaker 1: I had no idea it was made by a black woman,

964
00:44:35,480 --> 00:44:38,480
Speaker 1: because all of the things that I was having issue with.

965
00:44:38,520 --> 00:44:40,959
Speaker 1: I'm like, how does this person now? I know black

966
00:44:40,960 --> 00:44:43,840
Speaker 1: skin so well, and I was like, oh my gosh.

967
00:44:44,080 --> 00:44:48,040
Speaker 1: So I am so excited because so coke. Literally I

968
00:44:48,120 --> 00:44:51,279
Speaker 1: just ordered today. So the founder of Coco Rose Beauty,

969
00:44:51,360 --> 00:44:53,200
Speaker 1: her name is Charlo Coco Green.

970
00:44:54,440 --> 00:44:55,439
Speaker 2: She developed what they call.

971
00:44:55,400 --> 00:44:59,359
Speaker 1: Like a k beauty brand, which is Korean beauty, and

972
00:44:59,440 --> 00:45:01,960
Speaker 1: so it's not back by science because great Korean beauty

973
00:45:02,080 --> 00:45:04,600
Speaker 1: brands are known to be backed by science, but created

974
00:45:04,640 --> 00:45:08,520
Speaker 1: specifically for like for k Korean beauty obviously is for

975
00:45:08,600 --> 00:45:11,200
Speaker 1: Korean people and they have specific skin issues. But she's

976
00:45:11,239 --> 00:45:14,680
Speaker 1: made something specifically for black and brown women. She suffered

977
00:45:14,680 --> 00:45:17,600
Speaker 1: from actne Over for over twenty years and when I

978
00:45:17,640 --> 00:45:21,440
Speaker 1: tell you, if you follow her or follow Cocoa Beauty

979
00:45:21,520 --> 00:45:25,439
Speaker 1: on ig, it is hilarious. So I don't know how

980
00:45:25,440 --> 00:45:28,520
Speaker 1: many non brown or black people know this, but like

981
00:45:29,280 --> 00:45:31,919
Speaker 1: I have dark ass armpits like every black woman.

982
00:45:32,120 --> 00:45:33,439
Speaker 2: That's just it's just the thing.

983
00:45:33,600 --> 00:45:36,719
Speaker 1: And then between your thighs right next to your coude gap,

984
00:45:37,400 --> 00:45:40,160
Speaker 1: it gets dark there too, you know, and it's just

985
00:45:40,719 --> 00:45:44,320
Speaker 1: I mean, you know, that's just there's extra melon in

986
00:45:44,719 --> 00:45:45,160
Speaker 1: under arm.

987
00:45:45,239 --> 00:45:47,239
Speaker 2: Fortunia leg It's just that's how it goes.

988
00:45:47,280 --> 00:45:50,000
Speaker 1: And she has like these like a magic stick that

989
00:45:50,080 --> 00:45:54,680
Speaker 1: helps with like ingrown hairs, that helps with like hyperpigmentation there.

990
00:45:55,200 --> 00:45:57,560
Speaker 2: It was just I could have wet when I say

991
00:45:57,600 --> 00:45:58,960
Speaker 2: wept all.

992
00:45:58,840 --> 00:46:01,360
Speaker 1: The things, all the challenge that I face as a

993
00:46:01,400 --> 00:46:02,960
Speaker 1: black woman when it comes to skin, because usually my

994
00:46:03,000 --> 00:46:04,200
Speaker 1: skin is fine, but every once in a while it

995
00:46:04,280 --> 00:46:06,360
Speaker 1: is not. It was like, here's a black woman that

996
00:46:06,480 --> 00:46:09,479
Speaker 1: clearly is like these are black women's issues, and plus,

997
00:46:09,520 --> 00:46:10,879
Speaker 1: you know who doesn't want to as a black woman.

998
00:46:10,920 --> 00:46:13,279
Speaker 1: Of course, I want to rather support a black woman

999
00:46:13,360 --> 00:46:15,640
Speaker 1: on brand. I just didn't know that I have some things.

1000
00:46:15,719 --> 00:46:17,000
Speaker 3: That's all I can think of when I think it's

1001
00:46:17,040 --> 00:46:18,719
Speaker 3: like a black and black community brand.

1002
00:46:19,239 --> 00:46:20,920
Speaker 2: Honestly, I don't know.

1003
00:46:21,040 --> 00:46:22,920
Speaker 1: And also too, you have to understand that Rihanna is

1004
00:46:22,960 --> 00:46:25,480
Speaker 1: not she is fair. She likes It's owned by an

1005
00:46:25,560 --> 00:46:29,160
Speaker 1: lvmh like the largest, you know, luxury brand. So having

1006
00:46:29,960 --> 00:46:33,920
Speaker 1: like skincare created by black women for black women, just

1007
00:46:34,120 --> 00:46:36,680
Speaker 1: like you know, I just was really happy, like you know.

1008
00:46:36,640 --> 00:46:39,880
Speaker 2: Cause I was like, I was like, who who owns this?

1009
00:46:40,040 --> 00:46:42,960
Speaker 1: Because they're saying all the right buzzwords what black ladies

1010
00:46:42,960 --> 00:46:45,279
Speaker 1: told them about our issues and so yeah, so it's

1011
00:46:45,280 --> 00:46:47,880
Speaker 1: Coco c O c O Coco Rose Beauty.

1012
00:46:47,880 --> 00:46:49,080
Speaker 2: They're not you know, sponsoring or anything.

1013
00:46:49,120 --> 00:46:52,239
Speaker 1: I just was so delighted first disgusted. That's my my

1014
00:46:52,360 --> 00:46:54,600
Speaker 1: break that by the fact that there was like nothing,

1015
00:46:55,120 --> 00:46:58,640
Speaker 1: nothing specifically for me, you know, because I like, we

1016
00:46:58,800 --> 00:47:01,920
Speaker 1: tend to have sensitive skin in razor, bumps are more prevalent.

1017
00:47:01,960 --> 00:47:04,360
Speaker 1: There's certain things that you just you know that you

1018
00:47:04,440 --> 00:47:06,400
Speaker 1: have to find a thing specifically for you, and we're

1019
00:47:06,400 --> 00:47:08,560
Speaker 1: always having to make do. And I hate that they're

1020
00:47:08,600 --> 00:47:11,120
Speaker 1: always having to make do and making an orange if

1021
00:47:11,120 --> 00:47:13,200
Speaker 1: I blended in work, I'm like, no, I want something for.

1022
00:47:13,320 --> 00:47:17,680
Speaker 3: Me in the beauty industry, I'm dark skinned, like that's yes,

1023
00:47:17,960 --> 00:47:19,680
Speaker 3: as deep as it goes, which.

1024
00:47:19,520 --> 00:47:22,040
Speaker 1: Is my I brought like a bunch of stuff and

1025
00:47:22,040 --> 00:47:23,799
Speaker 1: I'm just like, yeah, I can't wait. So when you

1026
00:47:23,800 --> 00:47:26,200
Speaker 1: see me glowing, I mean, I'm going now just because

1027
00:47:26,200 --> 00:47:28,239
Speaker 1: you're not a little bit a beat, but when you

1028
00:47:28,239 --> 00:47:29,640
Speaker 1: see me going for real without the beat, and you

1029
00:47:29,640 --> 00:47:34,520
Speaker 1: can be like, oh, I'm like Cocoa beauty. Yeah, Coco

1030
00:47:34,600 --> 00:47:36,959
Speaker 1: Rose beauty, I said, Cocoa beauty. I'm like, Lord knows,

1031
00:47:37,000 --> 00:47:37,359
Speaker 1: I'll be.

1032
00:47:37,440 --> 00:47:39,479
Speaker 3: Messive like cocoa butter.

1033
00:47:39,640 --> 00:47:44,400
Speaker 1: No Coco no see, okay, okay, Oh, Coco Rose Official

1034
00:47:44,640 --> 00:47:45,760
Speaker 1: is the Instagram account.

1035
00:47:46,200 --> 00:47:49,720
Speaker 2: Go ahead on you c c k O k O

1036
00:47:50,160 --> 00:47:53,440
Speaker 2: Coco Rose. Yeah official, Yep, got it.

1037
00:47:53,520 --> 00:47:56,160
Speaker 1: I will check them out, Yeah, check them out, you know,

1038
00:47:56,239 --> 00:47:58,279
Speaker 1: so I'll you know, as I start to use them,

1039
00:47:58,280 --> 00:47:59,879
Speaker 1: I'll give you some update to see.

1040
00:48:00,320 --> 00:48:00,759
Speaker 2: Did I like?

1041
00:48:00,840 --> 00:48:02,239
Speaker 1: First of all, I love the fact they have women

1042
00:48:02,320 --> 00:48:04,239
Speaker 1: literally leg straight up in the air, rub it in

1043
00:48:04,280 --> 00:48:05,920
Speaker 1: between their late like you already.

1044
00:48:05,680 --> 00:48:09,920
Speaker 2: Know you know you black here her marketing problem?

1045
00:48:10,239 --> 00:48:12,040
Speaker 3: Didn't I know I had, But I didn't know it

1046
00:48:12,080 --> 00:48:13,520
Speaker 3: was a problem I could solve, so I just never

1047
00:48:13,560 --> 00:48:14,200
Speaker 3: thought about it.

1048
00:48:14,640 --> 00:48:17,359
Speaker 1: I know, like whatever, But I'm like, oh, you mean

1049
00:48:17,400 --> 00:48:19,880
Speaker 1: there's a magic stick I can roll here? Okay, Like

1050
00:48:20,040 --> 00:48:21,719
Speaker 1: I just yes, So I'm just excited to try it

1051
00:48:21,800 --> 00:48:23,839
Speaker 1: because the before and NAFTA pictures on black and brown

1052
00:48:23,880 --> 00:48:25,480
Speaker 1: skin just unmatched.

1053
00:48:25,520 --> 00:48:26,920
Speaker 2: So she's got a bunch of stuff.

1054
00:48:27,040 --> 00:48:31,640
Speaker 3: Yeah, well, thanks for sharing, Tiff. All right, ba fam,

1055
00:48:31,680 --> 00:48:33,600
Speaker 3: we're gonna bid you a dude, but do not go

1056
00:48:33,680 --> 00:48:36,440
Speaker 3: far because you will hear from us on Friday. All right,

1057
00:48:36,520 --> 00:48:39,200
Speaker 3: download the B a Q and A episode and don't

1058
00:48:39,200 --> 00:48:43,279
Speaker 3: forget share this episode, like subscribe, go to Apple dot

1059
00:48:43,280 --> 00:48:46,760
Speaker 3: com slash brown Ambition and make sure that you follow

1060
00:48:46,880 --> 00:48:49,719
Speaker 3: us and share with a friend. Okay, and while you're there,

1061
00:48:49,800 --> 00:48:52,799
Speaker 3: leave us a Review's not too much to ask, right,

1062
00:48:52,840 --> 00:48:55,719
Speaker 3: I mean, come on, those great content, just throw us

1063
00:48:55,719 --> 00:48:58,000
Speaker 3: some bones, okay, and.

1064
00:48:57,920 --> 00:48:59,840
Speaker 2: Maybe we'll review. We're gonna maybe we should start reviewing.

1065
00:49:00,480 --> 00:49:03,399
Speaker 1: Read our favorite review like at the end or right

1066
00:49:03,400 --> 00:49:05,279
Speaker 1: before boosty break.

1067
00:49:05,320 --> 00:49:08,200
Speaker 3: You know, people, let's do one right now? Why not?

1068
00:49:08,400 --> 00:49:09,600
Speaker 2: Okay, do one? You pick one.

1069
00:49:09,640 --> 00:49:12,000
Speaker 3: I'm gonna do one next week. I actually get little

1070
00:49:12,960 --> 00:49:16,480
Speaker 3: I get little up. I get little emails with our

1071
00:49:16,560 --> 00:49:20,680
Speaker 3: rankings and they usually feature the newest review review. Okay,

1072
00:49:21,000 --> 00:49:23,560
Speaker 3: all right, Tarak forty five hundred said, wherever you are

1073
00:49:23,560 --> 00:49:26,200
Speaker 3: in your financial journey, you can definitely get some gems

1074
00:49:26,239 --> 00:49:30,320
Speaker 3: out of this podcast. That was the most recent. Brown

1075
00:49:30,560 --> 00:49:33,279
Speaker 3: EA two says, I love listening because it's so much

1076
00:49:33,320 --> 00:49:35,759
Speaker 3: more than a podcast about money. Tiffany and Mandy are

1077
00:49:35,800 --> 00:49:39,560
Speaker 3: so real and personable. I appreciate their candidness and vulnerability.

1078
00:49:39,600 --> 00:49:45,440
Speaker 3: They offer so much useful advice. Oh, I can keep going,

1079
00:49:45,480 --> 00:49:47,239
Speaker 3: but those were just top two.

1080
00:49:47,400 --> 00:49:48,160
Speaker 2: We must have review.

1081
00:49:48,239 --> 00:49:48,440
Speaker 3: We can.

1082
00:49:48,480 --> 00:49:52,840
Speaker 1: We might shout you well, that would be amazing, all right, y'all,

1083
00:49:52,880 --> 00:50:00,200
Speaker 1: So until Friday, Bye bye, m