Speaker 1: Hey, hey, hey, we're back.
Speaker 2: We're black.
Speaker 1: Brown, ambition, ambition and ambition, Amandra.
Speaker 3: Hey you were giving a little Looney Tunes flavored today.
Speaker 2: I was.
Speaker 3: I was like the nineties, baby, I'm here for it.
Speaker 3: Hey you.
Speaker 2: I was like, hey, how are you good? I got
Speaker 2: can you tell? I have lashes like you know, not
Speaker 2: like I.
Speaker 3: Tell, but I always get the blurry tiffany on on
Speaker 3: this You Do podcast.
Speaker 2: Yeah. Yeah, I was like, I look like you. I
Speaker 2: was looking like.
Speaker 3: Something your high pony always makes you look perky and like,
Speaker 3: let's go team.
Speaker 1: Yeah.
Speaker 2: I literally I was looking at your lashes.
Speaker 1: I was like, why don't my falsies like look like
Speaker 1: Mandy's every day? Like, are you even wearing Maskara?
Speaker 2: Mandy? I am.
Speaker 3: I am indeed because I don't feel bad. Yeah, Rio
Speaker 3: and I got together. He watched me get ready today.
Speaker 3: It was pretty hilarious. He's got blush on his cheeks
Speaker 3: and I shadow on his eyes and or knows what else.
Speaker 2: That's cute.
Speaker 3: You look gorgeous.
Speaker 2: Thank you you.
Speaker 3: You know. I want to bring back our og segment,
Speaker 3: be a buzz worthy. We should call it the ba buzz.
Speaker 3: Let's just come up with a new Okay, there seems
Speaker 3: to be a lot happening in the news that's highly
Speaker 3: relevant to the pockets these days. My husband and I
Speaker 3: sat down last week just to have like a financial
Speaker 3: check in, because now that I have my own business,
Speaker 3: he's like, hey, you like you making money? I mean,
Speaker 3: just let me know if I need to stop watching
Speaker 3: these Rolex YouTube videos. And so we had like a
Speaker 3: real heart to heart, like where we're at in our
Speaker 3: finances and this government shutdown, he will be impacted. So
Speaker 3: today we're taping. On the twenty fifth, the government Congress
Speaker 3: are elected. Officials have until the thirtieth to make a
Speaker 3: budget plan, make a budget deal, or the government will
Speaker 3: shut down. Four million workers, including my husband, will be
Speaker 3: instantly furloughed. But here's the shitty thing. He still is
Speaker 3: going to have to go to work because I know
Speaker 3: in the last shutdown, which was a couple of it
Speaker 3: was twenty nineteen, he was home for over a month
Speaker 3: or he was sorry, he was furloughed for over a month,
Speaker 3: but he still had to go in because if you're
Speaker 3: designated essential, you have to show up and work for
Speaker 3: no pay.
Speaker 2: Do you ever get that money back?
Speaker 3: Well, thanks to a law that wanted to effect in
Speaker 3: twenty nineteen. Now, if you're a federal employee, you are
Speaker 3: guaranteed to get your back pay, so at least you
Speaker 3: can show up to work knowing, Okay, I'm going.
Speaker 2: To get a pay.
Speaker 3: But you don't get paid though, like you have to
Speaker 3: wait for it.
Speaker 1: That's very Nigeria and no state in my Nigerian but
Speaker 1: like literally for real, like so many teachers and government
Speaker 1: officials and police officers, you know, they you know, there's
Speaker 1: this pause and pay for whatever political reason, and they
Speaker 1: hope they get it, you know back.
Speaker 2: Wow.
Speaker 1: That's really scary though, because I mean, who can afford
Speaker 1: to work for free?
Speaker 3: I'm saying. So I did look up some resources though,
Speaker 3: because and I'll give my husband some credit. He was like,
Speaker 3: you should talk about this on the podcast and listen
Speaker 3: to if he never brings up our podcast, if you
Speaker 3: can afford anyway, So he said that a couple of banks,
Speaker 3: actually USAA and Penn Fed Credit Union or offering zero
Speaker 3: percent interest loans up to six thousand dollars. Okay, don't
Speaker 3: get excited unless you already have an account with them,
Speaker 3: because they have to have an account there and you
Speaker 3: have to There's some you know, some rules. I think
Speaker 3: for USAA you have to specifically have direct deposit from
Speaker 3: a federal employee like paycheck system going into your account.
Speaker 3: But if you you know, hit the requirements and you
Speaker 3: are going to need a bridge for the next you know,
Speaker 3: potentially month plus, I don't know how how long it
Speaker 3: could be, that's for sure an option. But then I
Speaker 3: wanted to and also banks, like if you, for example,
Speaker 3: if you're worried about having late payments on your credit cards,
Speaker 3: you need to not make your credit card payment, which
Speaker 3: I think we've talked about in the past. Sometimes when
Speaker 3: it comes to times like these, keep food on the table,
Speaker 3: you know, let the light bill go, whatever, whatever you
Speaker 3: have to do. But in the like, at least call
Speaker 3: your whether it's utilities, your creditors, you know, the subscriptions
Speaker 3: that you have, and ask them if they have any
Speaker 3: sort of like, uh, they're gonna wave late fees or
Speaker 3: waive interest rate interest payments, or you know, wave maybe
Speaker 3: the bill for the month potentially. I think it's it's
Speaker 3: worth asking.
Speaker 1: I feel like there's been so many pauses, like you know,
Speaker 1: with the the.
Speaker 3: Was it the writers strike writers and an actors strike.
Speaker 1: Yeah, But I think I just I just read on
Speaker 1: Chesca Lee Francesca, I can't remember her last name, that
Speaker 1: they've come to it tentative agreement that you know. She
Speaker 1: said that they are fairly pleased with. So that's great
Speaker 1: because it's been like what a hundred and like what
Speaker 1: three months or something.
Speaker 3: It's been the entire summer, you know, like these studios
Speaker 3: and we're heading into fall. This is what all the
Speaker 3: new shows should be coming back, and these studios are
Speaker 3: sweating and I I'm down for listen. Did we miss
Speaker 3: some content this year that this summer and did some
Speaker 3: projects get postponed maybe indefinitely and screwed over because of
Speaker 3: the strike. Yes, but the power of the force of
Speaker 3: a union, it is on full display here for these
Speaker 3: workers to go on strike and to have been so
Speaker 3: widely supported across the you know, they done made Drew
Speaker 3: Barrymore canceled recancel her show. Well, she was like, I think,
Speaker 3: and you know, Drew so sweet. She's like, I think,
Speaker 3: like I can do this in a way where we're
Speaker 3: all happy. And they were like, yeah, they said she said,
Speaker 3: just sat down. She really wanted everyone to just like
Speaker 3: come together, and yeah, it was like so I was
Speaker 3: just kidding there will be no episodes anyway, but the power.
Speaker 3: So I was reading kind of like what might be
Speaker 3: in the agreement, and I know the biggest thing is
Speaker 3: AI and the threat from AI, Like, are you like
Speaker 3: taking scripts from shows written by writers and downloading into
Speaker 3: the AI bot system and they can create create, create
Speaker 3: a new script based on this script by Shonda Rhymes
Speaker 3: for Gray's Anatomy, you know. And then just the fact
Speaker 3: that when you're and and I'm you know, we're all in,
Speaker 3: you know, consuming this content on these streamers, you know.
Speaker 3: And back in the day when you would have episodes
Speaker 3: get into reruns and then syndication, you would get tons
Speaker 3: of like people will get rolled, not just the actors,
Speaker 3: but the gripts, people who write, you know, people who
Speaker 3: work in the background, makeup, hair, that kind of thing.
Speaker 3: So now with these streamers, there's no such thing as
Speaker 3: like syndication. It's like, oh, you're on a streamer now.
Speaker 3: So the agreement hopefully will have something in there where
Speaker 3: they can actually make a little bit on the back end,
Speaker 3: like when there's stuff gets picked up by these streamers.
Speaker 3: But I'm happy for them that it looks like it's
Speaker 3: working that I work.
Speaker 1: Because even like they like one of the proposed things
Speaker 1: the studios wanted to do is like, let's just say
Speaker 1: you're an extra. They wanted to be able to basically
Speaker 1: clone your physical like you're an extra and they can
Speaker 1: use you as an extra and anything and definitely forever
Speaker 1: and ever and ever.
Speaker 2: I'm like, I just.
Speaker 1: I don't do you hear the words that are coming
Speaker 1: out of your mouth, you know, and it's just like
Speaker 1: it's just so predatory. I've just been finding that a
Speaker 1: lot lately, even like you know, like I discussed I think,
Speaker 1: I don't know if it was last week, how I'm
Speaker 1: making transition in the budgetista to not dance so much
Speaker 1: for a dollar. And I've been having conversations with different
Speaker 1: organizations about what partnership might look like. And the thing
Speaker 1: that always pisses me off the most is when somebody
Speaker 1: negotiates with me as if I have not run for
Speaker 1: six scessful companies in the last fifteen years and made
Speaker 1: over fifteen million dollars, and I'm just like, do.
Speaker 2: You think I'm stupid? Like there was one organization in particular.
Speaker 1: Who like, I don't believe well, I don't particularly care
Speaker 1: for the pure affiliate method. So for those of you
Speaker 1: not familiar. When you're an affiliate partner, you say, hey,
Speaker 1: I love this pair of shoes, and then you share
Speaker 1: the shoes wherever you share them, email, texts, social media, whatever,
Speaker 1: and when someone clicks on your link, you get a
Speaker 1: piece of So let's say the shoes are ten dollars
Speaker 1: and they're going to give you a dollar. So every
Speaker 1: time they sell a shoe, you get a dollar, they
Speaker 1: get nine, and so on the surface, it seems like, oh,
Speaker 1: that's fair, it's not. Because let's just say I say
Speaker 1: I love these shoes, and what typically happens when I
Speaker 1: see something on social media, I think to myself, those
Speaker 1: are cute shoes, and then I see them again because
Speaker 1: you post up those are cute shoes. And then one day,
Speaker 1: two three months later, I'm on wherever and I'm like,
Speaker 1: let me go ahead and buy these shoes.
Speaker 2: Where's your link? I don't know, I'm not even thinking
Speaker 2: about you in your link.
Speaker 1: But you've introduced those shoes to me. Where is the
Speaker 1: compensation for that?
Speaker 2: And then you will in all that.
Speaker 1: Person or a series of influencers or people will have
Speaker 1: infused this company with all these new customers, only a
Speaker 1: portion of which a small portion of which, because everyone's
Speaker 1: not ready to buy in that moment, a small portion
Speaker 1: of which will purchase directly from that person's link. But
Speaker 1: now you've grown your business large largely off the backs
Speaker 1: of these influencers, and then you get to sell it
Speaker 1: for one hundred million dollars you know, as a bro
Speaker 1: and you get you know, you get to roll in
Speaker 1: a Dell. And I have built many a fintech company
Speaker 1: without knowing when I first started. I mean, I've put
Speaker 1: ten thousand plus people into apps only to find they
Speaker 1: were sold for like, you know, tens of millions of dollars.
Speaker 1: And I'm like, wait, wait, wait, wait, hold up, wait
Speaker 1: a minute. And so now the conversation is like you
Speaker 1: want me to send a one The product or service
Speaker 1: always has to be good. You know, I've never shared
Speaker 1: a thing that I did not believe in or use
Speaker 1: whatever myself, you know me and maybe be going back
Speaker 1: and forth even with the show, we're like what yeah,
Speaker 1: you know, we're like who take what to take?
Speaker 3: What?
Speaker 2: Vitamin?
Speaker 3: No?
Speaker 1: No, no, no, you know, so we're always very you know,
Speaker 1: particular about like here, but just in our personal lives too,
Speaker 1: like in our personal brands. And so one that it
Speaker 1: has to pass that test of like do I really
Speaker 1: believe in this thing?
Speaker 2: And then two.
Speaker 1: Now it's not for every cause some of them it
Speaker 1: doesn't really make sense to do this, but especially for
Speaker 1: these like startups. I'm like, I ask for equity, right,
Speaker 1: pay me on back end, and they're like, I'm like,
Speaker 1: I'm sorry, you want ten thousand dream Catchers so you
Speaker 1: can then go and raise your your past seed round.
Speaker 1: You could raise a round BC, so you get sell
Speaker 1: it for it. And then when I get four dollars
Speaker 1: a person, no, then go go pick somebody else, I said,
Speaker 1: because over here, I don't just get people to sign up.
Speaker 2: We change behaviors over here.
Speaker 1: And so when I send a DreamCatcher to a product
Speaker 1: or service, we teach them how to use it, how
Speaker 1: not to use it, how to infuse it in their
Speaker 1: life in a way that's going to be meaningful. You
Speaker 1: have a life long user. And black women over indexed
Speaker 1: in the consumption of financial education tools. And I only
Speaker 1: know that because it's a big financial company. The CEO
Speaker 1: and I became friends and he shared that he was
Speaker 1: like that women take up seventy percent of these fright
Speaker 1: fintech like tools seventy percent of the women at least
Speaker 1: for his like fifty million dollar company were of the
Speaker 1: people that use the tool were women, and of that
Speaker 1: seventy percent, over fifty percent were black women. So I
Speaker 1: was like, so I built your company.
Speaker 2: He was like hey.
Speaker 1: Then he's saying hey, and I was like, yeah, I'm
Speaker 1: not doing that again, you know I'm not. And so
Speaker 1: like that is the like it's almost like what I
Speaker 1: love is that what Mandy and I do are like
Speaker 1: same side or different sides of the same coin, like negotiating,
Speaker 1: negotiating always.
Speaker 2: For like what does fair look like?
Speaker 1: And so that's what I'm navigating now, like what does
Speaker 1: fair look like?
Speaker 3: Like?
Speaker 2: I'm looking for partnerships.
Speaker 1: I'm not looking for you to show throw me a
Speaker 1: corner too, which there's nothing wrong with that, But if
Speaker 1: you are an influencer and you really dry valume, consider.
Speaker 2: Having the equity question.
Speaker 1: What would that look like I sent two thousand people
Speaker 1: ten thousand people, or if they're not willing to, you know,
Speaker 1: pay an equity, maybe it's already a huge company already. Increase, like,
Speaker 1: don't treat me this what I at least tell them,
Speaker 1: don't treat me like somebody off the street. If someone
Speaker 1: else can sign up for your affiliate program and get
Speaker 1: twenty five dollars, I need fifty because I'm not the same,
Speaker 1: you know, always negotiating more and now more and more.
Speaker 1: Which I love is that we're negotiating more on the
Speaker 1: front end, and even if I don't get equity in
Speaker 1: the company, I'm getting percentage on the back.
Speaker 3: End, percentage of like sales.
Speaker 2: So sometimes it's like this.
Speaker 1: So for example, there's a company that we use I
Speaker 1: really like for debt consolidation. You know, I'm like, okay,
Speaker 1: there's only like maybe two or three that I really
Speaker 1: liked that I've sent my sisters to. They had good experiences,
Speaker 1: and I'm like okay. And so it used to be
Speaker 1: we'll pay you, like make it up a number twenty
Speaker 1: five dollars person that signs up, and I was like, yeah,
Speaker 1: Like on my team, we have this. Oh Carol is
Speaker 1: our efficiencies manager, and she was like, wow, I'm doing
Speaker 1: the math. We've sent you know, hundreds of thousands, not
Speaker 1: millions of dollars to them.
Speaker 2: We should get a cut.
Speaker 1: Of the percentage of the debt they're consolidating. And so
Speaker 1: we've now negotiated that, like I think it's like one
Speaker 1: point five or two percent.
Speaker 2: It like, I don't even know.
Speaker 1: What past quadrupled is, like the income that we make
Speaker 1: in them, so you get per person, you see what
Speaker 1: I mean?
Speaker 3: And so it's like promoting like a checking a savings account. Yes,
Speaker 3: a percentage of the assets.
Speaker 1: Yes, because you're making a percentage of the assets being depositive.
Speaker 3: Say it again, Yes they are, I mean, you know.
Speaker 2: And then sometimes they're like ooh, no, tip, okay, go
Speaker 2: find somebody else. Pick somebody else. We're busy over here.
Speaker 2: Because here's the thing. When you have your this is why.
Speaker 1: For if you're an influencer, consider creating your own products
Speaker 1: or services like Mandy has, like I have, because Mandy,
Speaker 1: certainly I know you make money from like partnerships and things,
Speaker 1: but you have your own Mandy money makers. You have
Speaker 1: your own product and service because if not, you become
Speaker 1: basically a slave to whatever deal someone is going to
Speaker 1: give you. Because I can decide, right, I'm sure many
Speaker 1: you've had to decide do I put my energy? Why
Speaker 1: should I give my energy to you for four dollars
Speaker 1: a person when I can have someone side up for
Speaker 1: the Liberature Academy and keep the full thirty dollars a
Speaker 1: month for myself per person.
Speaker 3: So yeah, I.
Speaker 1: Can only make so many asks of my audience. And
Speaker 1: so these are some of the things that the shifts
Speaker 1: that are happening in business. And you know, as we
Speaker 1: get smarter, as we just like start to shift and transition,
Speaker 1: these are some of the conversations that are coming up.
Speaker 2: And you know, these companies, they.
Speaker 1: Get uncomfortable when a sister be like, not too much
Speaker 1: on not trying to pay me, just so grateful.
Speaker 3: Oh my god. I yeah, I think I've just had
Speaker 3: the benefit of watching you grow your business as well.
Speaker 3: But I when I approach Mandy Money Mandy money Makers,
Speaker 3: when I launched a couple of years ago, I always knew, Yeah,
Speaker 3: of course, that's a nice thing to have. As an influencer.
Speaker 3: You have, you know, brands that come to you because
Speaker 3: you've built your audience and they want to leverage it,
Speaker 3: and it can be you know, financially lucrative. But for me,
Speaker 3: it was never I never wanted to be just going
Speaker 3: after those little this brands deal that brand deal, a
Speaker 3: few thousand bucks there, you know. And even though I
Speaker 3: was paid like over thirty k just to do an
Speaker 3: Instagram Live one time.
Speaker 2: You know, I was excited that that was a good one.
Speaker 3: I land negotiate that with your help, thanks to But hey,
Speaker 3: when you want me to agree to not go with
Speaker 3: anyone else for months, like to not go with any
Speaker 3: of your competitors for months, then yeah, can I get
Speaker 3: some income anyway? So yeah, I just those are my
Speaker 3: fun like little surprise nuggets, you know, like, oh, put
Speaker 3: this in the fund for the you know, the for
Speaker 3: what for taxes, for taxes, like for my dream house.
Speaker 3: It's coming. But yeah, So but beyond that, you're right,
Speaker 3: you know, having your own products and also I'm genuinely
Speaker 3: creating things that I want to fill a need that
Speaker 3: are useful to people. So how do you get on
Speaker 3: this whole like, oh, the Writer's Guild and all that, Yes.
Speaker 2: Creating your own thing instead of waiting for everybody to
Speaker 2: just pay you.
Speaker 3: I got to pick your brain because I'm going to
Speaker 3: find con. I'm going on our anniversary trip to Fincome
Speaker 3: by myself, and I'm gonna go and just have a
Speaker 3: you know, I'm just gonna have dinner for two, but
Speaker 3: your seat will be empty and I'll just.
Speaker 2: Talk your poor little something for I know, it's your.
Speaker 3: Birthday week, but it's New Orleans and it was where
Speaker 3: you met.
Speaker 2: The river.
Speaker 3: It was just you know, the origin. But I am
Speaker 3: going and I'm doing I'm doing a I'm hosting my
Speaker 3: own breakout session and it's and I pitched it months
Speaker 3: ago and I'm like, oh, yeah that. But it's going
Speaker 3: to be how to bank your brand, tips for negotiating
Speaker 3: your contracts and negotiating your brand deals. So tipmona, I'm
Speaker 3: gonna be downloading your your brain a little bit for that. Yes,
Speaker 3: let's get back to the b a buzz. Okay, So
Speaker 3: we talked about the government shutdown, the writer's strike and
Speaker 3: actors strike. Let's talk about student loans.
Speaker 1: My friends are like, October instead of Winter's coming October?
Speaker 3: Is it October first?
Speaker 2: I don't know.
Speaker 1: I was trying to find it said everything even says
Speaker 1: even on their website, like like the government website, it
Speaker 1: says it would be due sometime in October.
Speaker 2: I'm like, what does that mean?
Speaker 3: Does that mean that if we're doing really bad in
Speaker 3: the polls, we will extend it again?
Speaker 2: Girl?
Speaker 3: I don't know.
Speaker 2: It's really yeah, not so clear.
Speaker 3: I hesitate to I don't want to make it like,
Speaker 3: I mean, it is pretty partisan, but anyway, whether or
Speaker 3: not you support her, I feel like most of our
Speaker 3: listeners probably do. But AOC Alexandria, OK, she actually launched
Speaker 3: a really great, very educational series, nonpartisan series, just on
Speaker 3: the facts of what's going to happen when it comes
Speaker 3: to student loan payments resuming and even people may be
Speaker 3: eligible for forgiveness and not know it. So I'd love
Speaker 3: to drop a link to her to whoror to her
Speaker 3: ig in our show notes so you can or if
Speaker 3: she has them, like you know, organized somewhere. But I
Speaker 3: was watching a few of those and they were hell helpful,
Speaker 3: even just for me to understand.
Speaker 2: Yeah, I'm in here just looking. It's I'm just trying
Speaker 2: to like I'm literally on.
Speaker 1: Studentaid dot gov, and my my, they're not as helpful
Speaker 1: as you would like them to be.
Speaker 2: Yeah.
Speaker 1: It basically it says student loan interest will resume starting
Speaker 1: on September one, twenty twenty three, and payments will be
Speaker 1: due starting in October. And maybe what they mean is that,
Speaker 1: like you know, everybody's payment date is different, maybe, like
Speaker 1: you know, you normally pit, so maybe that's why we
Speaker 1: will communicate with borrows from now on until their first
Speaker 1: payment due date.
Speaker 2: So that's what.
Speaker 1: Yeah, So that's so basically your interests has already started
Speaker 1: and payment whenever your normal paydate is.
Speaker 3: Yeah, call your servicer, call us, see what's happening. Make
Speaker 3: sure you got it hooked up to the right bank account.
Speaker 3: It's been three years, over three years at this point
Speaker 3: from this pause and student loan payments. I do have
Speaker 3: a little silver lining if you're wondering like those forgiveness programs,
Speaker 3: because AOC talks about that in her messages about you know,
Speaker 3: you may be eligible for forgiveness or a debt cancelation,
Speaker 3: so you know, look into what you know your potential eligibility.
Speaker 3: Is one of my Mandy money makers. I won't put
Speaker 3: her name out there, but we just talked the other day.
Speaker 3: She has worked for years for a community college and
Speaker 3: had over two hundred thousand dollars worth of debt because
Speaker 3: she went to law school. When you look at this
Speaker 3: person's resume, I'm just like, Wow, you love you some school.
Speaker 3: You're very smart. But went to law school, she went
Speaker 3: to grad school, had all these degrees anyway, over two
Speaker 3: hundred thousand dollars, but because she had worked over I
Speaker 3: forget the ten years in public service. She got a
Speaker 3: letter the week after she was laid off from her job.
Speaker 3: She got laid off in May. I just met her
Speaker 3: at this past September. But anyway, she got go in May,
Speaker 3: and then like the week after, she she said she
Speaker 3: prayed to God for like a sign that he still
Speaker 3: had her back and that she was still in you know,
Speaker 3: doing the right thing. And she got her loans forgiven
Speaker 3: through PSLF.
Speaker 2: Yes, that was g O D.
Speaker 1: Yeah.
Speaker 3: Yeah, So you know, for those of you who are
Speaker 3: who are wondering if you're eligible, those things are still happening.
Speaker 3: So you know, we can post something for some resources
Speaker 3: in the show notes.
Speaker 2: Yes and yeah.
Speaker 1: And also don't you know, don't forget to apply for
Speaker 1: things like income based for payment that you know, if
Speaker 1: your income has changed, because you know, when all this
Speaker 1: came to effect, you know, this was during.
Speaker 2: COVID, that was a few years ago.
Speaker 1: Also, you might have had a child, maybe you have
Speaker 1: the little COVID baby, you know, you know, when he
Speaker 1: was home, you know, getting it in and like you
Speaker 1: have a baby now that can also affect your what
Speaker 1: your income is.
Speaker 2: Because it's not just your income.
Speaker 1: They also look at family size when when calculating what
Speaker 1: your income is and so don't you know, to Mandy's point,
Speaker 1: like it was a doctor who, uh, she too, got
Speaker 1: her loans forgiven, and she said, if she would have
Speaker 1: had to pay all that back with interest and everything else,
Speaker 1: it was close to a million dollars, like like if
Speaker 1: she would have like you know, with the with how
Speaker 1: many years and the interest pit And she was just like,
Speaker 1: so she didn't owe a million, She owed like maybe
Speaker 1: a few hundred thousand, but she was like, if I
Speaker 1: had to pay them and finally pay them off at
Speaker 1: forty or fifty or whatever, it would have been close
Speaker 1: to that.
Speaker 2: That's life changing.
Speaker 3: Yes, and wan she was. She's in her fifties, so imagine,
Speaker 3: I mean she's like, there's no I was gonna die
Speaker 3: with this debt. It's two hundred something thousand. Yeah. Ah So,
Speaker 3: m well, if.
Speaker 1: That suspects everything, I don't think people realize that when
Speaker 1: it comes to like, you know, your debt, it affects
Speaker 1: whether or not you can purchase a home, you know,
Speaker 1: because they take that into consideration. Your debt income, I mean,
Speaker 1: your debt, your your debt to income ratio is like
Speaker 1: the second most important number to your credit, you know,
Speaker 1: when you're looking courches at home, getting a car, you know,
Speaker 1: like it affects your credit overall. Like I know one
Speaker 1: of my she's an attorney, but right before she got
Speaker 1: her first job, she was so scared because her credit
Speaker 1: wasn't good and they told.
Speaker 2: Her that they factored in credit.
Speaker 3: You know some can do that and then yeah, yeah,
Speaker 3: especially if you're like in a finance Yeah, girl.
Speaker 1: Girl, They're like, no, I handle this money with your
Speaker 1: five hundred credit score. They're like, you'll be siphoning off
Speaker 1: money to make sure you call, you get your brother.
Speaker 3: He's not worried about student debt? Is Coco Golf? Did
Speaker 3: you see that interview she gave.
Speaker 1: First of all, I love it for her that she
Speaker 1: didn't even know how to say the word debt.
Speaker 2: She's like, I don't have debts with a B. She
Speaker 2: was like, I'm so unfamiliar with this word. I can't
Speaker 2: even pronounce it. She's like, I'm nineteen.
Speaker 1: I'm like, girl, nineteen year olds have depths too. Yeah,
Speaker 1: And she was like, you know, thankfully my parents because
Speaker 1: my parents. So for those who don't know Coco after obviously,
Speaker 1: if she won the US Open US Open right, US Open,
Speaker 1: and and she she was on live, you know, just
Speaker 1: talking to the people and when you win, your your
Speaker 1: her prize money just for that particular I'm tournament.
Speaker 2: It's three million dollars.
Speaker 1: And she was live and someone said, what are you
Speaker 1: gonna do with your three million dollars? Are you going
Speaker 1: to pay down some debt? And she was like debts,
Speaker 1: I don't, I don't. I'm not familiar with depths.
Speaker 2: She literally said, I don't. I don't have depths.
Speaker 1: And she was just like, but I love that for
Speaker 1: her because you know that one her parents have been
Speaker 1: able to one. I mean, we see the three million,
Speaker 1: but Coco has made I think I read someplace like
Speaker 1: something like eighteen million dollars this year, just endorsements and
Speaker 1: things like that.
Speaker 2: You know.
Speaker 1: So that's one thing. And I love the fact she's like,
Speaker 1: I still love It't hold my parents. I said, yes, yes,
Speaker 1: parents keep her close.
Speaker 3: But if you, if you do want to go to college,
Speaker 3: and I'm not saying that you need to because like, hey,
Speaker 3: the PR campaign, they need a PR team, the whole
Speaker 3: four year college degree people. But anyway, because the messaging
Speaker 3: is that is maybe not worth it as much as
Speaker 3: people want you to believe, but if you know a
Speaker 3: sport like you, if you know a sport or you
Speaker 3: play an instrument like that, can really pay your way
Speaker 3: through college. And I think I'm realizing that though, you know,
Speaker 3: now that I have a kid, and I think about
Speaker 3: I'm listening to like how you can get college tuition
Speaker 3: paid for if you have a sport, I mean, you know,
Speaker 3: a real sport, not the Hollywood actors who you know,
Speaker 3: bribe people to say that their child is their professional
Speaker 3: rower or lacrosse player or whatever. I'm like, Rio, what will.
Speaker 2: Your sport be?
Speaker 3: Is the lego building a sport?
Speaker 1: I played tennis, Honestly. My sister Lisa got a full
Speaker 1: scholarship to Temple with a tennis scholarship because she was
Speaker 1: number one in the States in doubles when she played.
Speaker 1: And then she decided after the freshman year, and I'm
Speaker 1: like that, so she dropped the team and scholarship.
Speaker 2: I was like, you know those are combined. She's like, well,
Speaker 2: won't Daddy just paid for it.
Speaker 1: I'm like, oh my god, oh god, I know.
Speaker 3: So pulling your weight, you know what I'm saying.
Speaker 1: I mean, we all just had to sit down and
Speaker 1: my dad was considering it, and as we all said, no,
Speaker 1: you bring your ass back home, She's like, I don't understand.
Speaker 2: She was like, I was like, Lissa, you can't quit
Speaker 2: the thing. I didn't like the catch. I was like,
Speaker 2: well then you must. She loved Philly, and that's what
Speaker 2: she went to temple, Baby Lisa. Yeah, this is baby Lisa.
Speaker 2: She tried it, I know.
Speaker 3: At that point already by then, girl, I was like,
Speaker 3: well then you you're behind us coming home, and she did,
Speaker 3: and she went to Rutgers, and she really was like
Speaker 3: mad at us for a while because we told our dad, no,
Speaker 3: do not pay at the pocket, because that doesn't make sense.
Speaker 2: You don't paint a poet.
Speaker 1: You're gonna have to pay the pocket anyway, but at
Speaker 1: least let it be in state, because we live in
Speaker 1: New Jersey, you know.
Speaker 2: So she had to come home. I was like, you
Speaker 2: big dummy, been and Philly.
Speaker 1: Living it up with all the neosol life, and you're
Speaker 1: back home in this strict household where you can't do nothing.
Speaker 3: So she learned her lass not that far from Jersey.
Speaker 1: Well, yeah, well I guess, cause you know, it's one thing.
Speaker 1: She lived on campus because once she had to go
Speaker 1: to Rutgers. She lived home, right, you know, and plus
Speaker 1: two like you know, just yeah, well, you know Lisa.
Speaker 2: Had to lie, and she did. But I was so shocked.
Speaker 1: My dad was like, I guess I'll pay. We were like, now,
Speaker 1: are you crazy?
Speaker 2: No, she was so nonchalot. I remember my dad was like,
Speaker 2: do you see this?
Speaker 1: Built her credit card, her first credit card, built four
Speaker 1: hundred dollars at CBS. At CBS, yo, I said, Lisa,
Speaker 1: what could you possibly when I tell you she'd buy
Speaker 1: all that? I was like, because you know how, I'm
Speaker 1: sure there are things you could buy the supermarket way cheaper.
Speaker 1: But it was like, girl, why should I be worrying
Speaker 1: about things like that a toothbrush? I mean, yo, Lisa
Speaker 1: was something else. Raising that girl was something by then.
Speaker 1: My parents are so tired, so it.
Speaker 2: Was on us. We was just like girl over here.
Speaker 2: Even now, I'm still raising her at thirty four.
Speaker 3: Age. Oh all right, anymore buzzy ba ba ba buzz
Speaker 3: material for me?
Speaker 2: I can't you know.
Speaker 1: I always like this is just I mean, this was
Speaker 1: out like a while ago, but just recently.
Speaker 2: What's his name? Oh, he's he's married to Gabrielle Union.
Speaker 2: Dayne raid Wade.
Speaker 1: Yeah, had this like interview where I don't know, this
Speaker 1: is not really about him, but it kind of sparked
Speaker 1: back up for me when we learned. Do you remember
Speaker 1: when Gabrielle Union said that she and Duayane split the
Speaker 1: bills fifty to fifty?
Speaker 3: Yeah? Yeah, did we talk about that possibly?
Speaker 2: Okay, I was gonna say, like, what do you think
Speaker 2: about that?
Speaker 1: Like, you know, like cause he's significantly wealthier than her,
Speaker 1: like three hundred million or something like that his networth
Speaker 1: her she's thirty million.
Speaker 2: Yeah, like she's thirty million. So no, I mean, obviously.
Speaker 1: She's it's wealth on wealth, but it's a huge difference
Speaker 1: to split fifty to fifty. And it was because I
Speaker 1: think one day Dwayne said something about my house and
Speaker 1: my this my that she said, oh, we gonna stop
Speaker 1: all at my ma stuff.
Speaker 2: We go on fifty to fifty. Yeah, but I'm like, yeah,
Speaker 2: I hate that. I do hate that for her.
Speaker 3: You know, I think when relationships with desperate income it
Speaker 3: is I think that you want to you want to believe. Okay,
Speaker 3: I'm gonna business for us. It's all for us until
Speaker 3: the other person wants to do something that's out of
Speaker 3: alignment with your values. And I speak from experience until
Speaker 3: the other person decides they want things like a Tesla
Speaker 3: and three thousand dollars custom.
Speaker 2: Suits right or or denale. You know, in the case
Speaker 2: of Jilders.
Speaker 3: Is that a big old truck thing.
Speaker 1: Big old nasty truck because with six six and it
Speaker 1: has to be like people like when you come home
Speaker 1: on this trip, it's gonna be, there's gonna be.
Speaker 2: Now I'm like them.
Speaker 3: That is when it becomes real hard. And that's when
Speaker 3: you want to pull that whole card. Well, who's gonna
Speaker 3: pay for it? My therapist says, it's not okay to
Speaker 3: do that.
Speaker 2: It's not okay, it's okay.
Speaker 3: And like other people. But yeah, I think in that case,
Speaker 3: I think the story but you and Joel that you
Speaker 3: shared multiple times is like how he like you, wanted
Speaker 3: to keep your lifestyle a certain level so that he
Speaker 3: could always you know, contribute and all of that. Yeah,
Speaker 3: and I think that that's great. But I also feel like,
Speaker 3: you know, I would never want someone to be able
Speaker 3: to tell me no, So that's why I'm always going
Speaker 3: to have mine. Oh yeah, always, And like fifty to
Speaker 3: fifty is so literal, like I doubt. They're sitting down
Speaker 3: and he's like the mortgages. Their mortgage probably like thirty
Speaker 3: thousand dollars. I don't know where's your fifteen thousand and
Speaker 3: five cents? You know, I doubt that. But knowing that
Speaker 3: if we're going to do something, we're gonna do it
Speaker 3: together and we both need to be on the same
Speaker 3: page about it, that's that's the hard stuff as a couple.
Speaker 2: Yeah, and just navigating that, like I like one.
Speaker 3: It was.
Speaker 1: I think it was a little easier and maybe for
Speaker 1: you too, because you when you and and and Enrique
Speaker 1: got together, were you kind of making the same financially.
Speaker 3: Or oh goodness, I don't know what he was making.
Speaker 3: I know I was maybe like fifty k. I think
Speaker 3: I was making a little bit more. But he was
Speaker 3: very early in his goodman days. Yeah, so then I
Speaker 3: don't know he's worked his way up.
Speaker 2: When because some time to think.
Speaker 1: Well, obviously, y'all know when I met Durell, I was
Speaker 1: a preschool teacher. He was a maintenance man, so he
Speaker 1: was neck and neck. Basically I was making thirty nine,
Speaker 1: that's true. And then, like you know, we stopped seeing
Speaker 1: each other, and then when we started to date a
Speaker 1: little bit when I was in my thirty my early
Speaker 1: early early thirties.
Speaker 2: I think I was like twenty nine thirty.
Speaker 1: I was making nothing because I had just started the
Speaker 1: Budgetista and I was basically on unemployment. And you know,
Speaker 1: he was well into working for housing, and I don't know,
Speaker 1: maybe he was making forty or fifty, I don't even know.
Speaker 1: And then at thirty four we started dating like for real,
Speaker 1: for real, I was making six figures engross in business,
Speaker 1: but probably taking home about fifty or sixty. So we
Speaker 1: were kind of neck and neck, you know at that
Speaker 1: time when I when I actually moved in with him,
Speaker 1: I was thirty four, and so yeah, in the halfway
Speaker 1: hood we were living, but he paid all the bills
Speaker 1: to because I moved in with him, and I said,
Speaker 1: do you want me to go half?
Speaker 2: Because it was a halfway hood.
Speaker 1: So and he worked for housing and he was like
Speaker 1: on call, so they had him. They had we had
Speaker 1: a really nice time house, but it was still housing property.
Speaker 1: So our rent was only nine to twenty, you know,
Speaker 1: and I was like, do you want me to go half?
Speaker 1: He was like, I got it, And so I didn't
Speaker 1: have a car note he did, so he could continue
Speaker 1: to pay his own bills, and so he just basically
Speaker 1: took care of all the bills, you know what he
Speaker 1: was already taking care of when I moved in, And
Speaker 1: then it allowed me, without having to worry about bills,
Speaker 1: to really grow the budget neista and like the like.
Speaker 1: Within two years of living there, you know, went from
Speaker 1: six figures annually to seven figures not me take home,
Speaker 1: but it's the business. So now I'm not making six
Speaker 1: figures take home and then more, and so I think
Speaker 1: that made it a little easier because it wasn't like
Speaker 1: how I am now trying to navigate dating, where it's
Speaker 1: like I, you know, can make and I've made seven
Speaker 1: figures take home, multiple seven figures take home at least
Speaker 1: high six figures take home and not with It's not
Speaker 1: like whoever I date. Now we've built this together. Yeah,
Speaker 1: you know, so Withirell, because people are like, oh, how'd
Speaker 1: you make it work? I'm like, yeah, but you have
Speaker 1: to understand he met me preschool teacher Tippany. I never
Speaker 1: ever once felt like he's only here why Because when
Speaker 1: I was a preschool teacher, he was like one day she's.
Speaker 2: Gonna randomly started fighting.
Speaker 1: Exactly, so that was easier and so but now it
Speaker 1: is kind of like challenging because certainly, you know, there
Speaker 1: are guys that I've gone out with who you know,
Speaker 1: make way way way less, and you know, like there
Speaker 1: are a couple of guys have dated that make more,
Speaker 1: you know, and so I'm still navigating like what, like
Speaker 1: where where the line is for me, you know, because
Speaker 1: I haven't had to navigate that, because like I didn't care.
Speaker 1: With Jarrell, I'm like, whatever, we you know, I built
Speaker 1: this essentially because you've been here to support me, and
Speaker 1: then we just navigated accordingly. And by the time I
Speaker 1: really blew up, I was able to say, Okay, you
Speaker 1: could continue to pay the bills. I will save an
Speaker 1: invest for us, and that's what I'm I did, you know,
Speaker 1: But with somebody who doesn't contribute to my household, it's
Speaker 1: like what, I don't know what the girl is who
Speaker 1: make like really good money when they're in a dating
Speaker 1: like space, you know, because I think I read a
Speaker 1: statistic that said, because I may I prefer black men,
Speaker 1: that like less than eight percent of black men make
Speaker 1: over one hundred thousand dollars a year, and so it's
Speaker 1: like less.
Speaker 3: Than eight percent, Well, The thing is like, I don't
Speaker 3: I feel it's very different. You're just in such a huge,
Speaker 3: hugely different phase. There's no way, even if you met
Speaker 3: Superman today that you probably would have approached it the same. Yes,
Speaker 3: you know, like no one's ever going to be able
Speaker 3: to go back with you and your you know, late twenties,
Speaker 3: early thirties, building your business in Durell, y'all, when you
Speaker 3: were in that mindset where you didn't know things were going,
Speaker 3: and you're never going to operate from that space again.
Speaker 3: I kind of feel like, I don't even and how
Speaker 3: soon would it even be. I know that you're dating,
Speaker 3: but I feel like you're really far away from living
Speaker 3: with someone.
Speaker 2: Partnership.
Speaker 3: Yeah, yeah, well I don't think I'm gona split bills.
Speaker 2: Yes, I don't know that. I I mean, I guess
Speaker 2: you never know.
Speaker 1: But I guess I'm just thinking because even as you're dating,
Speaker 1: I feel like you want to be my for like
Speaker 1: this could possibly, especially at this age. It'd be one
Speaker 1: thing if I was twenty one. I mean, to be candid,
Speaker 1: The guys who are dating now are not dating casually,
Speaker 1: not that that's not what I found. You know, they're
Speaker 1: dating with the intention of like, if not marriage, like
Speaker 1: deep partnership, and so I'm kind of like, well, how
Speaker 1: does that look, you know, because it's not me, I mean,
Speaker 1: you know me, I'm in my target's best always like this,
Speaker 1: you know, a little Amazon outfit.
Speaker 2: So it's not even that.
Speaker 1: It's just if I'm going to go on a nice vacation,
Speaker 1: you know, all on my MX points because I'm still
Speaker 1: about to be said, still I'm still flying business and
Speaker 1: still staying in a nice hotel.
Speaker 2: And I'm like, who paying for you?
Speaker 3: Oh, like should you pay for them or not?
Speaker 1: Yeah?
Speaker 2: Well I mean or not? Why not? You know, but
Speaker 2: meaning like what does that? You know, as those.
Speaker 3: Change your expectation for vacation so that they can equally contribute.
Speaker 2: Yeah, but I know, I know economy anymore, you know.
Speaker 1: So that's the kind of things that like I kind
Speaker 1: of I mean, it hasn't come up yet because I'm
Speaker 1: not traveled with anyone or whatever. But you know, as
Speaker 1: you're dating, I'm just like, I'm thinking about that now,
Speaker 1: where you know before it's like, no, I wouldn't mind
Speaker 1: dating someone who made less. I'm like, no, you're talking
Speaker 1: about Jirell. That was a very specific we came up together.
Speaker 1: This is different, you know, like yeah, so I don't know,
Speaker 1: it's just like just something that I just been thinking
Speaker 1: about as I'm dating, like all these different ranges, Like
Speaker 1: you know, there's one guy who was a teacher. I
Speaker 1: mean teachers make a solid you know, but not a ton.
Speaker 1: Because my rule used to be before you have to
Speaker 1: be able to make enough to take care of yourself
Speaker 1: and your responsibilities. That's like at the bare bones, make
Speaker 1: enough to take care of yourself and your responsibilities. But
Speaker 1: now it's like this that have to really change because
Speaker 1: that might mean that you can't go on a trick
Speaker 1: with me because you have just enough to take care
Speaker 1: of yourself and your responsibilities, but nothing excess, you know,
Speaker 1: or does it get awkward like you know, like you know,
Speaker 1: I have this beautiful condo which you see a mandy
Speaker 1: like it's just coming along like you definitely, oh my gosh,
Speaker 1: it's giving wealth. Like even my most cynic sisters are like,
Speaker 1: oh my god.
Speaker 3: Right, and so like when.
Speaker 1: You come over, you gotta feel intimidated by that, you know,
Speaker 1: or you're going to think like the thing because I'm
Speaker 1: really simple, like I love a poem and a card
Speaker 1: and tulips some whole foods, or you're going to think
Speaker 1: that you have to like spend a whole lot of
Speaker 1: money in order to like, I don't know. These are
Speaker 1: just things that have just been coming up of like
Speaker 1: where I am, and I just never thought about that before.
Speaker 1: And also too not that most men are not gold diggers,
Speaker 1: but you think about that, like is that a thing
Speaker 1: that you'll get like a guy who was like, ooho,
Speaker 1: hopefully she'll pay for things. I find most men are
Speaker 1: not like that. I'm assuming, but I don't know. I
Speaker 1: haven't been in a dating pool long enough to be like,
Speaker 1: you know, what's the temperature?
Speaker 2: Are there? Gold digger guy? Is that like a is
Speaker 2: there an uptick?
Speaker 3: I mean, I'm sure they exist. Don't get your shoes
Speaker 3: stolen on the tinder hed go to TikTok. I feel
Speaker 3: like you're a perfect partner. Your ideal partner is out there,
Speaker 3: and I don't know, I think you're going to figure
Speaker 3: it out. I feel like, and you're gonna tell a
Speaker 3: very unique story of how it worked for you and
Speaker 3: anyone who's listening on a similar journey or in a
Speaker 3: similar place, Like everyone's puzzle piece is shaped different, you know,
Speaker 3: like the jigsaw of the relationship and the life. I
Speaker 3: just I choose optimism in terms of you're too fabulous,
Speaker 3: too bright, shiny, spectacular with your big life. You know,
Speaker 3: if you if you so choose to share it with someone,
Speaker 3: you're too fabulous not to and they will rise to
Speaker 3: that occasion. There will be someone, you know. That's how
Speaker 3: I feel, because the world where that doesn't happen just
Speaker 3: don't make sense to me.
Speaker 1: I'm not I'm not in rush, right, I'm just like,
Speaker 1: I'm like, wow, is this what chopping in our handy streets?
Speaker 2: Navigating? Just I like being inside the house.
Speaker 1: You know, your husband can work a nerve, but you're like,
Speaker 1: it's the nerve I know.
Speaker 3: Thanks for reminding me that. Yeah, it is cold out there, girl,
Speaker 3: must I be dating with kids? So it's cute when
Speaker 3: you're a but when you're a woman you put that
Speaker 3: in your profile.
Speaker 2: Yeah, it's always crazy.
Speaker 1: When I see guys, I'm like, oh my baby six months,
Speaker 1: I'm like, oh, sorry, you're busy.
Speaker 2: I need you to focus.
Speaker 3: Focus.
Speaker 2: Yes, let's break.
Speaker 3: Yeah, let's take a quick break. And as a reminder,
Speaker 3: please share, like, follow, subscribe to the BA podcast, and
Speaker 3: tell a friend to tell a friend, Our show can
Speaker 3: only grow if you guys continue to share and let
Speaker 3: others know about us. So tag us, text your friend
Speaker 3: the link to the show. Go to Apple dot com,
Speaker 3: slash brown Ambition and hit follow. Leave us a review,
Speaker 3: thank you.
Speaker 1: If you've got a really nice brother, hit me in
Speaker 1: the dam and I'm just joking a review.
Speaker 3: If I don't think you want all of that, Okay, I'm.
Speaker 2: Just joking, all right with back in the moment.
Speaker 1: And we're back for the wait to know.
Speaker 2: And now it's time wait, no, no, damn it. What
Speaker 2: can I booster?
Speaker 1: Yes, booster And now it's time to boost up break
Speaker 1: boost up?
Speaker 2: Like boost up, break, Yo, you're gonna boost? Are you
Speaker 2: gonna bit? What you're gonna do? What you're gonna to? Mandy?
Speaker 2: Are you gonna boost and break? You wanna go for
Speaker 2: at second? Mine is like a light light boost.
Speaker 3: I'm gonna boost because I was just listening to an
Speaker 3: interview with Leslie Jones of SNL Ghostbusters Comedic fame, and
Speaker 3: I didn't really know much about her backstory but her
Speaker 3: memoir Leslie Ethan Jones, I can say it. I was
Speaker 3: listening to her on NPR, so she had to keep
Speaker 3: saying Ethan, But it's Leslie fucking Jones has her new
Speaker 3: memoir coming out, and I just thought it was so
Speaker 3: her interview was so great and she's so you know.
Speaker 3: She a story about how both of her parents passed
Speaker 3: away within six months of each other, and because they
Speaker 3: didn't have life insurance, she worked a gig during her
Speaker 3: father's funeral so that she could pay for it, like
Speaker 3: in Amsterdam or something like that. But I just think
Speaker 3: and talk about a story of your journey is on
Speaker 3: your own timeline, because she didn't really hit it big,
Speaker 3: so she was in her forties, you know, yeah, and
Speaker 3: she's in her fifties now and be on top of
Speaker 3: being hilarious, I just think it's a great just a
Speaker 3: great story and she's fabulous. And there's one quote that
Speaker 3: has continued to stick with me from and it's a
Speaker 3: quote that she took from God dang, who is that
Speaker 3: comedian Kat Williams. He told her apparently when she was
Speaker 3: when she was like, you know, building her career and
Speaker 3: stand up, he said, stop working from a place of
Speaker 3: desperation and you'll get bigger gigs. She's like, what do
Speaker 3: you mean, I'm desperate, I'm broke, as a joke. I
Speaker 3: am desperate. He's like, no, but you're making decisions at
Speaker 3: a desperation, saying yes to things that are not worthy
Speaker 3: of you, saying things that are small. And I just
Speaker 3: love that that quote, and it reminded me why. Like
Speaker 3: when I got back from maternity leave, I had a
Speaker 3: couple of speaking engagements that I just that were I
Speaker 3: don't know like they were. They were fine, But I'm
Speaker 3: in this. I'm in this like very intense reaping period.
Speaker 3: We talked about that before I'm reaping, I'm writing my book.
Speaker 3: I'm trying to be really really particular about what I do.
Speaker 3: And I said no, And I was like, but that's
Speaker 3: thousands and thousands of dollars that you just gonna say
Speaker 3: no to. Yeah, I just just and I was a sham,
Speaker 3: not a shame, but I was scared to Like I
Speaker 3: didn't want to tell my husband about it because he
Speaker 3: could have been.
Speaker 2: Like, what do you mean?
Speaker 3: But I just said, I'm going to save space for
Speaker 3: a bigger and better I'm going to save space for
Speaker 3: the thing that I can't say no to. And if
Speaker 3: I say yes to these things that I can say
Speaker 3: no to, I'm giving up what limited extra energy I have,
Speaker 3: and within a couple of weeks an incredible opportunity came
Speaker 3: my way. I get to partner with a former a
Speaker 3: former partner of mine or you know, when I haven't
Speaker 3: worked with in a while. That is not just more money,
Speaker 3: but so much better aligned. Like when I read the email,
Speaker 3: I was like, I'm grinning air from ear to ear.
Speaker 3: I want to do this thing, you know, like I
Speaker 3: would love to do this. So I love that. Yeah,
Speaker 3: so thank you to Kat Williams and Leslie Jones making
Speaker 3: me think about that. But yeah, check out her memoir
Speaker 3: and I'm for sure we're going to get the audiobook
Speaker 3: because you know it's gonna be hilarious.
Speaker 2: Oh my god.
Speaker 1: Actually that's a really good idea because yeah, some audiobooks
Speaker 1: you just have to listen to.
Speaker 2: I'm gonna bust a Oyoh.
Speaker 1: I know we haven't broken in a while, but I'm like, whatever,
Speaker 1: I'm gonna boost. Uh well, yes, so I but you
Speaker 1: can't tell now because you know, I beat my face slightly,
Speaker 1: but I don't know. I've just broken out the last
Speaker 1: couple of weeks and my face was like and you know,
Speaker 1: especially as a brownskin.
Speaker 2: Brown skiing girl, you break out all of a sudden.
Speaker 1: You have spots that like, like, you know, because because
Speaker 1: we have more melanin, like the Scott spots are darker
Speaker 1: and last foot, you know.
Speaker 2: And I just was, literally, so maybe this is a
Speaker 2: boosty breaking.
Speaker 1: I was really frustrated because, you know so much like
Speaker 1: I literally was like, oh, I've heard of all of
Speaker 1: these like great tools and things that you can use
Speaker 1: like skincare things for your skin. So actually I went
Speaker 1: to Sephora today and was looking at this company called
Speaker 1: Ola Henderson something like anyway, they have this brightening stick
Speaker 1: and every shade was tan, tanner, orange, tan, brownie tan.
Speaker 1: I was like, and I remember the woman, bless her heart,
Speaker 1: I was like, are these is there clear? I wasn't
Speaker 1: even looking for brown. Yeah, And she was like no,
Speaker 1: I think it all comes to one color. I'm like, no,
Speaker 1: it doesn't. And then so there was this orange one
Speaker 1: and I swashed it on my arm and she was like,
Speaker 1: maybe if you blend it in. I'm like no, and
Speaker 1: I shouldn't have to. When I was really frustrated, I
Speaker 1: was like, ugh, are there no products for like hyper
Speaker 1: pigmentation and dark spots for like black skin. So as
Speaker 1: I stood in the Saphora. I googled best products for black.
Speaker 2: Skin and hyperpigmentation. Hyperpigmentation is like just like.
Speaker 1: Darkness on dark skin basically, and I found this brand
Speaker 1: and it seemed too good to be true. It was
Speaker 1: like they had all the things, and I was like,
Speaker 1: it's called Cocoa Rose, and I was like, hmm, this
Speaker 1: seems too good to be true. And I'm like, the
Speaker 1: reason why it's too good to be true is because
Speaker 1: I had no idea it was made by a black woman,
Speaker 1: because all of the things that I was having issue with.
Speaker 1: I'm like, how does this person now? I know black
Speaker 1: skin so well, and I was like, oh my gosh.
Speaker 1: So I am so excited because so coke. Literally I
Speaker 1: just ordered today. So the founder of Coco Rose Beauty,
Speaker 1: her name is Charlo Coco Green.
Speaker 2: She developed what they call.
Speaker 1: Like a k beauty brand, which is Korean beauty, and
Speaker 1: so it's not back by science because great Korean beauty
Speaker 1: brands are known to be backed by science, but created
Speaker 1: specifically for like for k Korean beauty obviously is for
Speaker 1: Korean people and they have specific skin issues. But she's
Speaker 1: made something specifically for black and brown women. She suffered
Speaker 1: from actne Over for over twenty years and when I
Speaker 1: tell you, if you follow her or follow Cocoa Beauty
Speaker 1: on ig, it is hilarious. So I don't know how
Speaker 1: many non brown or black people know this, but like
Speaker 1: I have dark ass armpits like every black woman.
Speaker 2: That's just it's just the thing.
Speaker 1: And then between your thighs right next to your coude gap,
Speaker 1: it gets dark there too, you know, and it's just
Speaker 1: I mean, you know, that's just there's extra melon in
Speaker 1: under arm.
Speaker 2: Fortunia leg It's just that's how it goes.
Speaker 1: And she has like these like a magic stick that
Speaker 1: helps with like ingrown hairs, that helps with like hyperpigmentation there.
Speaker 2: It was just I could have wet when I say
Speaker 2: wept all.
Speaker 1: The things, all the challenge that I face as a
Speaker 1: black woman when it comes to skin, because usually my
Speaker 1: skin is fine, but every once in a while it
Speaker 1: is not. It was like, here's a black woman that
Speaker 1: clearly is like these are black women's issues, and plus,
Speaker 1: you know who doesn't want to as a black woman.
Speaker 1: Of course, I want to rather support a black woman
Speaker 1: on brand. I just didn't know that I have some things.
Speaker 3: That's all I can think of when I think it's
Speaker 3: like a black and black community brand.
Speaker 2: Honestly, I don't know.
Speaker 1: And also too, you have to understand that Rihanna is
Speaker 1: not she is fair. She likes It's owned by an
Speaker 1: lvmh like the largest, you know, luxury brand. So having
Speaker 1: like skincare created by black women for black women, just
Speaker 1: like you know, I just was really happy, like you know.
Speaker 2: Cause I was like, I was like, who who owns this?
Speaker 1: Because they're saying all the right buzzwords what black ladies
Speaker 1: told them about our issues and so yeah, so it's
Speaker 1: Coco c O c O Coco Rose Beauty.
Speaker 2: They're not you know, sponsoring or anything.
Speaker 1: I just was so delighted first disgusted. That's my my
Speaker 1: break that by the fact that there was like nothing,
Speaker 1: nothing specifically for me, you know, because I like, we
Speaker 1: tend to have sensitive skin in razor, bumps are more prevalent.
Speaker 1: There's certain things that you just you know that you
Speaker 1: have to find a thing specifically for you, and we're
Speaker 1: always having to make do. And I hate that they're
Speaker 1: always having to make do and making an orange if
Speaker 1: I blended in work, I'm like, no, I want something for.
Speaker 3: Me in the beauty industry, I'm dark skinned, like that's yes,
Speaker 3: as deep as it goes, which.
Speaker 1: Is my I brought like a bunch of stuff and
Speaker 1: I'm just like, yeah, I can't wait. So when you
Speaker 1: see me glowing, I mean, I'm going now just because
Speaker 1: you're not a little bit a beat, but when you
Speaker 1: see me going for real without the beat, and you
Speaker 1: can be like, oh, I'm like Cocoa beauty. Yeah, Coco
Speaker 1: Rose beauty, I said, Cocoa beauty. I'm like, Lord knows,
Speaker 1: I'll be.
Speaker 3: Messive like cocoa butter.
Speaker 1: No Coco no see, okay, okay, Oh, Coco Rose Official
Speaker 1: is the Instagram account.
Speaker 2: Go ahead on you c c k O k O
Speaker 2: Coco Rose. Yeah official, Yep, got it.
Speaker 1: I will check them out, Yeah, check them out, you know,
Speaker 1: so I'll you know, as I start to use them,
Speaker 1: I'll give you some update to see.
Speaker 2: Did I like?
Speaker 1: First of all, I love the fact they have women
Speaker 1: literally leg straight up in the air, rub it in
Speaker 1: between their late like you already.
Speaker 2: Know you know you black here her marketing problem?
Speaker 3: Didn't I know I had, But I didn't know it
Speaker 3: was a problem I could solve, so I just never
Speaker 3: thought about it.
Speaker 1: I know, like whatever, But I'm like, oh, you mean
Speaker 1: there's a magic stick I can roll here? Okay, Like
Speaker 1: I just yes, So I'm just excited to try it
Speaker 1: because the before and NAFTA pictures on black and brown
Speaker 1: skin just unmatched.
Speaker 2: So she's got a bunch of stuff.
Speaker 3: Yeah, well, thanks for sharing, Tiff. All right, ba fam,
Speaker 3: we're gonna bid you a dude, but do not go
Speaker 3: far because you will hear from us on Friday. All right,
Speaker 3: download the B a Q and A episode and don't
Speaker 3: forget share this episode, like subscribe, go to Apple dot
Speaker 3: com slash brown Ambition and make sure that you follow
Speaker 3: us and share with a friend. Okay, and while you're there,
Speaker 3: leave us a Review's not too much to ask, right,
Speaker 3: I mean, come on, those great content, just throw us
Speaker 3: some bones, okay, and.
Speaker 2: Maybe we'll review. We're gonna maybe we should start reviewing.
Speaker 1: Read our favorite review like at the end or right
Speaker 1: before boosty break.
Speaker 3: You know, people, let's do one right now? Why not?
Speaker 2: Okay, do one? You pick one.
Speaker 3: I'm gonna do one next week. I actually get little
Speaker 3: I get little up. I get little emails with our
Speaker 3: rankings and they usually feature the newest review review. Okay,
Speaker 3: all right, Tarak forty five hundred said, wherever you are
Speaker 3: in your financial journey, you can definitely get some gems
Speaker 3: out of this podcast. That was the most recent. Brown
Speaker 3: EA two says, I love listening because it's so much
Speaker 3: more than a podcast about money. Tiffany and Mandy are
Speaker 3: so real and personable. I appreciate their candidness and vulnerability.
Speaker 3: They offer so much useful advice. Oh, I can keep going,
Speaker 3: but those were just top two.
Speaker 2: We must have review.
Speaker 3: We can.
Speaker 1: We might shout you well, that would be amazing, all right, y'all,
Speaker 1: So until Friday, Bye bye, m