WEBVTT - Is The Government Shutting Down? (Ep 378) 0:00:05.240 --> 0:00:09.719 Hey, hey, hey, we're back. 0:00:10.080 --> 0:00:11.080 We're black. 0:00:16.920 --> 0:00:23.080 Brown, ambition, ambition and ambition, Amandra. 0:00:23.480 --> 0:00:26.680 Hey you were giving a little Looney Tunes flavored today. 0:00:27.720 --> 0:00:28.040 I was. 0:00:28.160 --> 0:00:30.760 I was like the nineties, baby, I'm here for it. 0:00:32.720 --> 0:00:33.239 Hey you. 0:00:33.880 --> 0:00:35.880 I was like, hey, how are you good? I got 0:00:36.760 --> 0:00:39.839 can you tell? I have lashes like you know, not 0:00:40.040 --> 0:00:40.239 like I. 0:00:40.479 --> 0:00:42.919 Tell, but I always get the blurry tiffany on on 0:00:42.960 --> 0:00:44.320 this You Do podcast. 0:00:45.200 --> 0:00:47.680 Yeah. Yeah, I was like, I look like you. I 0:00:47.760 --> 0:00:48.760 was looking like. 0:00:50.320 --> 0:00:54.240 Something your high pony always makes you look perky and like, 0:00:54.800 --> 0:00:55.920 let's go team. 0:00:56.200 --> 0:00:56.440 Yeah. 0:00:58.200 --> 0:00:59.680 I literally I was looking at your lashes. 0:00:59.680 --> 0:01:02.320 I was like, why don't my falsies like look like 0:01:02.400 --> 0:01:04.400 Mandy's every day? Like, are you even wearing Maskara? 0:01:04.480 --> 0:01:05.680 Mandy? I am. 0:01:05.880 --> 0:01:08.600 I am indeed because I don't feel bad. Yeah, Rio 0:01:08.680 --> 0:01:11.160 and I got together. He watched me get ready today. 0:01:11.160 --> 0:01:14.560 It was pretty hilarious. He's got blush on his cheeks 0:01:14.560 --> 0:01:17.240 and I shadow on his eyes and or knows what else. 0:01:18.000 --> 0:01:18.520 That's cute. 0:01:18.600 --> 0:01:19.800 You look gorgeous. 0:01:20.520 --> 0:01:21.440 Thank you you. 0:01:21.920 --> 0:01:26.200 You know. I want to bring back our og segment, 0:01:26.680 --> 0:01:30.960 be a buzz worthy. We should call it the ba buzz. 0:01:31.319 --> 0:01:34.560 Let's just come up with a new Okay, there seems 0:01:34.600 --> 0:01:36.520 to be a lot happening in the news that's highly 0:01:36.560 --> 0:01:40.000 relevant to the pockets these days. My husband and I 0:01:40.040 --> 0:01:42.240 sat down last week just to have like a financial 0:01:42.319 --> 0:01:43.959 check in, because now that I have my own business, 0:01:44.040 --> 0:01:48.360 he's like, hey, you like you making money? I mean, 0:01:48.880 --> 0:01:50.480 just let me know if I need to stop watching 0:01:50.480 --> 0:01:53.760 these Rolex YouTube videos. And so we had like a 0:01:53.800 --> 0:01:55.360 real heart to heart, like where we're at in our 0:01:55.400 --> 0:02:00.360 finances and this government shutdown, he will be impacted. So 0:02:00.600 --> 0:02:04.440 today we're taping. On the twenty fifth, the government Congress 0:02:04.440 --> 0:02:07.760 are elected. Officials have until the thirtieth to make a 0:02:07.800 --> 0:02:11.359 budget plan, make a budget deal, or the government will 0:02:11.360 --> 0:02:15.840 shut down. Four million workers, including my husband, will be 0:02:16.000 --> 0:02:20.000 instantly furloughed. But here's the shitty thing. He still is 0:02:20.040 --> 0:02:21.760 going to have to go to work because I know 0:02:21.760 --> 0:02:23.560 in the last shutdown, which was a couple of it 0:02:23.600 --> 0:02:26.320 was twenty nineteen, he was home for over a month 0:02:26.840 --> 0:02:28.560 or he was sorry, he was furloughed for over a month, 0:02:28.600 --> 0:02:30.960 but he still had to go in because if you're 0:02:31.000 --> 0:02:34.480 designated essential, you have to show up and work for 0:02:34.600 --> 0:02:35.040 no pay. 0:02:35.919 --> 0:02:37.080 Do you ever get that money back? 0:02:37.440 --> 0:02:40.000 Well, thanks to a law that wanted to effect in 0:02:40.040 --> 0:02:44.280 twenty nineteen. Now, if you're a federal employee, you are 0:02:44.320 --> 0:02:46.680 guaranteed to get your back pay, so at least you 0:02:46.680 --> 0:02:48.280 can show up to work knowing, Okay, I'm going. 0:02:48.240 --> 0:02:48.680 To get a pay. 0:02:48.760 --> 0:02:50.840 But you don't get paid though, like you have to 0:02:50.919 --> 0:02:51.560 wait for it. 0:02:52.880 --> 0:02:55.120 That's very Nigeria and no state in my Nigerian but 0:02:55.240 --> 0:02:59.320 like literally for real, like so many teachers and government 0:02:59.360 --> 0:03:03.720 officials and police officers, you know, they you know, there's 0:03:03.760 --> 0:03:06.440 this pause and pay for whatever political reason, and they 0:03:06.480 --> 0:03:07.960 hope they get it, you know back. 0:03:09.000 --> 0:03:09.280 Wow. 0:03:09.320 --> 0:03:11.720 That's really scary though, because I mean, who can afford 0:03:11.800 --> 0:03:12.639 to work for free? 0:03:12.800 --> 0:03:16.519 I'm saying. So I did look up some resources though, 0:03:16.560 --> 0:03:19.240 because and I'll give my husband some credit. He was like, 0:03:19.280 --> 0:03:21.960 you should talk about this on the podcast and listen 0:03:22.000 --> 0:03:23.560 to if he never brings up our podcast, if you 0:03:23.560 --> 0:03:28.400 can afford anyway, So he said that a couple of banks, 0:03:28.440 --> 0:03:32.840 actually USAA and Penn Fed Credit Union or offering zero 0:03:32.880 --> 0:03:36.360 percent interest loans up to six thousand dollars. Okay, don't 0:03:36.360 --> 0:03:38.720 get excited unless you already have an account with them, 0:03:38.800 --> 0:03:41.120 because they have to have an account there and you 0:03:41.200 --> 0:03:44.120 have to There's some you know, some rules. I think 0:03:44.120 --> 0:03:48.040 for USAA you have to specifically have direct deposit from 0:03:48.080 --> 0:03:51.720 a federal employee like paycheck system going into your account. 0:03:52.080 --> 0:03:55.360 But if you you know, hit the requirements and you 0:03:55.400 --> 0:03:58.080 are going to need a bridge for the next you know, 0:03:58.160 --> 0:04:00.400 potentially month plus, I don't know how how long it 0:04:00.400 --> 0:04:04.600 could be, that's for sure an option. But then I 0:04:04.600 --> 0:04:07.360 wanted to and also banks, like if you, for example, 0:04:07.400 --> 0:04:10.440 if you're worried about having late payments on your credit cards, 0:04:10.480 --> 0:04:13.360 you need to not make your credit card payment, which 0:04:13.360 --> 0:04:15.000 I think we've talked about in the past. Sometimes when 0:04:15.040 --> 0:04:17.680 it comes to times like these, keep food on the table, 0:04:18.040 --> 0:04:20.960 you know, let the light bill go, whatever, whatever you 0:04:21.000 --> 0:04:23.320 have to do. But in the like, at least call 0:04:23.680 --> 0:04:29.760 your whether it's utilities, your creditors, you know, the subscriptions 0:04:29.760 --> 0:04:31.279 that you have, and ask them if they have any 0:04:31.279 --> 0:04:34.960 sort of like, uh, they're gonna wave late fees or 0:04:34.960 --> 0:04:39.400 waive interest rate interest payments, or you know, wave maybe 0:04:39.560 --> 0:04:42.680 the bill for the month potentially. I think it's it's 0:04:42.720 --> 0:04:43.400 worth asking. 0:04:44.680 --> 0:04:46.720 I feel like there's been so many pauses, like you know, 0:04:46.839 --> 0:04:48.479 with the the. 0:04:49.400 --> 0:04:51.880 Was it the writers strike writers and an actors strike. 0:04:52.040 --> 0:04:54.480 Yeah, But I think I just I just read on 0:04:54.800 --> 0:04:59.159 Chesca Lee Francesca, I can't remember her last name, that 0:04:59.279 --> 0:05:03.880 they've come to it tentative agreement that you know. She 0:05:03.960 --> 0:05:06.680 said that they are fairly pleased with. So that's great 0:05:06.680 --> 0:05:08.440 because it's been like what a hundred and like what 0:05:08.480 --> 0:05:09.560 three months or something. 0:05:09.360 --> 0:05:13.400 It's been the entire summer, you know, like these studios 0:05:13.440 --> 0:05:15.200 and we're heading into fall. This is what all the 0:05:15.200 --> 0:05:17.600 new shows should be coming back, and these studios are 0:05:17.760 --> 0:05:22.680 sweating and I I'm down for listen. Did we miss 0:05:22.720 --> 0:05:25.000 some content this year that this summer and did some 0:05:25.080 --> 0:05:28.479 projects get postponed maybe indefinitely and screwed over because of 0:05:28.520 --> 0:05:33.279 the strike. Yes, but the power of the force of 0:05:33.320 --> 0:05:35.719 a union, it is on full display here for these 0:05:36.040 --> 0:05:38.960 workers to go on strike and to have been so 0:05:39.080 --> 0:05:41.880 widely supported across the you know, they done made Drew 0:05:41.920 --> 0:05:46.440 Barrymore canceled recancel her show. Well, she was like, I think, 0:05:46.480 --> 0:05:48.840 and you know, Drew so sweet. She's like, I think, 0:05:48.920 --> 0:05:50.960 like I can do this in a way where we're 0:05:51.000 --> 0:05:57.000 all happy. And they were like, yeah, they said she said, 0:05:57.040 --> 0:06:00.200 just sat down. She really wanted everyone to just like 0:06:00.279 --> 0:06:04.479 come together, and yeah, it was like so I was 0:06:04.680 --> 0:06:08.839 just kidding there will be no episodes anyway, but the power. 0:06:08.920 --> 0:06:10.919 So I was reading kind of like what might be 0:06:10.920 --> 0:06:12.880 in the agreement, and I know the biggest thing is 0:06:13.640 --> 0:06:17.000 AI and the threat from AI, Like, are you like 0:06:17.440 --> 0:06:22.360 taking scripts from shows written by writers and downloading into 0:06:22.360 --> 0:06:26.440 the AI bot system and they can create create, create 0:06:26.440 --> 0:06:28.960 a new script based on this script by Shonda Rhymes 0:06:28.960 --> 0:06:32.800 for Gray's Anatomy, you know. And then just the fact 0:06:32.800 --> 0:06:36.440 that when you're and and I'm you know, we're all in, 0:06:36.600 --> 0:06:39.960 you know, consuming this content on these streamers, you know. 0:06:40.040 --> 0:06:42.360 And back in the day when you would have episodes 0:06:42.360 --> 0:06:45.360 get into reruns and then syndication, you would get tons 0:06:45.400 --> 0:06:47.760 of like people will get rolled, not just the actors, 0:06:47.800 --> 0:06:51.159 but the gripts, people who write, you know, people who 0:06:51.160 --> 0:06:53.800 work in the background, makeup, hair, that kind of thing. 0:06:53.880 --> 0:06:58.560 So now with these streamers, there's no such thing as 0:06:58.560 --> 0:07:00.920 like syndication. It's like, oh, you're on a streamer now. 0:07:00.960 --> 0:07:03.880 So the agreement hopefully will have something in there where 0:07:03.880 --> 0:07:07.320 they can actually make a little bit on the back end, 0:07:07.480 --> 0:07:10.760 like when there's stuff gets picked up by these streamers. 0:07:11.240 --> 0:07:13.480 But I'm happy for them that it looks like it's 0:07:13.560 --> 0:07:15.440 working that I work. 0:07:15.320 --> 0:07:18.880 Because even like they like one of the proposed things 0:07:18.880 --> 0:07:20.680 the studios wanted to do is like, let's just say 0:07:20.680 --> 0:07:23.560 you're an extra. They wanted to be able to basically 0:07:23.600 --> 0:07:26.440 clone your physical like you're an extra and they can 0:07:26.560 --> 0:07:28.640 use you as an extra and anything and definitely forever 0:07:28.640 --> 0:07:29.120 and ever and ever. 0:07:29.200 --> 0:07:30.720 I'm like, I just. 0:07:32.160 --> 0:07:33.680 I don't do you hear the words that are coming 0:07:33.680 --> 0:07:36.720 out of your mouth, you know, and it's just like 0:07:36.760 --> 0:07:39.760 it's just so predatory. I've just been finding that a 0:07:39.800 --> 0:07:41.840 lot lately, even like you know, like I discussed I think, 0:07:41.880 --> 0:07:43.040 I don't know if it was last week, how I'm 0:07:43.080 --> 0:07:46.040 making transition in the budgetista to not dance so much 0:07:46.080 --> 0:07:48.960 for a dollar. And I've been having conversations with different 0:07:49.080 --> 0:07:52.560 organizations about what partnership might look like. And the thing 0:07:52.640 --> 0:07:56.160 that always pisses me off the most is when somebody 0:07:56.480 --> 0:07:59.600 negotiates with me as if I have not run for 0:07:59.760 --> 0:08:01.840 six scessful companies in the last fifteen years and made 0:08:01.840 --> 0:08:04.240 over fifteen million dollars, and I'm just like, do. 0:08:04.200 --> 0:08:06.960 You think I'm stupid? Like there was one organization in particular. 0:08:06.960 --> 0:08:11.360 Who like, I don't believe well, I don't particularly care 0:08:11.440 --> 0:08:14.400 for the pure affiliate method. So for those of you 0:08:14.560 --> 0:08:17.960 not familiar. When you're an affiliate partner, you say, hey, 0:08:18.600 --> 0:08:21.400 I love this pair of shoes, and then you share 0:08:21.440 --> 0:08:25.040 the shoes wherever you share them, email, texts, social media, whatever, 0:08:25.440 --> 0:08:29.120 and when someone clicks on your link, you get a 0:08:29.160 --> 0:08:31.120 piece of So let's say the shoes are ten dollars 0:08:31.160 --> 0:08:32.920 and they're going to give you a dollar. So every 0:08:32.960 --> 0:08:34.400 time they sell a shoe, you get a dollar, they 0:08:34.400 --> 0:08:36.719 get nine, and so on the surface, it seems like, oh, 0:08:36.720 --> 0:08:41.200 that's fair, it's not. Because let's just say I say 0:08:41.280 --> 0:08:44.800 I love these shoes, and what typically happens when I 0:08:44.880 --> 0:08:46.800 see something on social media, I think to myself, those 0:08:46.800 --> 0:08:48.840 are cute shoes, and then I see them again because 0:08:48.840 --> 0:08:51.280 you post up those are cute shoes. And then one day, 0:08:51.440 --> 0:08:53.760 two three months later, I'm on wherever and I'm like, 0:08:53.800 --> 0:08:54.960 let me go ahead and buy these shoes. 0:08:55.520 --> 0:08:57.160 Where's your link? I don't know, I'm not even thinking 0:08:57.160 --> 0:08:57.880 about you in your link. 0:08:57.920 --> 0:09:01.440 But you've introduced those shoes to me. Where is the 0:09:01.480 --> 0:09:02.680 compensation for that? 0:09:03.440 --> 0:09:06.080 And then you will in all that. 0:09:06.000 --> 0:09:09.280 Person or a series of influencers or people will have 0:09:09.400 --> 0:09:12.160 infused this company with all these new customers, only a 0:09:12.200 --> 0:09:14.760 portion of which a small portion of which, because everyone's 0:09:14.800 --> 0:09:18.000 not ready to buy in that moment, a small portion 0:09:18.040 --> 0:09:21.680 of which will purchase directly from that person's link. But 0:09:21.760 --> 0:09:24.600 now you've grown your business large largely off the backs 0:09:24.600 --> 0:09:26.560 of these influencers, and then you get to sell it 0:09:26.559 --> 0:09:28.280 for one hundred million dollars you know, as a bro 0:09:28.800 --> 0:09:30.480 and you get you know, you get to roll in 0:09:30.520 --> 0:09:33.000 a Dell. And I have built many a fintech company 0:09:33.040 --> 0:09:35.520 without knowing when I first started. I mean, I've put 0:09:35.920 --> 0:09:39.280 ten thousand plus people into apps only to find they 0:09:39.280 --> 0:09:42.360 were sold for like, you know, tens of millions of dollars. 0:09:42.400 --> 0:09:44.960 And I'm like, wait, wait, wait, wait, hold up, wait 0:09:44.960 --> 0:09:49.199 a minute. And so now the conversation is like you 0:09:49.240 --> 0:09:52.360 want me to send a one The product or service 0:09:52.360 --> 0:09:54.560 always has to be good. You know, I've never shared 0:09:54.600 --> 0:09:56.120 a thing that I did not believe in or use 0:09:56.360 --> 0:09:58.040 whatever myself, you know me and maybe be going back 0:09:58.080 --> 0:10:01.000 and forth even with the show, we're like what yeah, 0:10:01.040 --> 0:10:03.439 you know, we're like who take what to take? 0:10:03.480 --> 0:10:03.600 What? 0:10:03.679 --> 0:10:04.079 Vitamin? 0:10:04.120 --> 0:10:04.240 No? 0:10:04.240 --> 0:10:08.120 No, no, no, you know, so we're always very you know, 0:10:08.200 --> 0:10:10.959 particular about like here, but just in our personal lives too, 0:10:11.000 --> 0:10:13.920 like in our personal brands. And so one that it 0:10:14.000 --> 0:10:16.440 has to pass that test of like do I really 0:10:16.480 --> 0:10:17.199 believe in this thing? 0:10:17.280 --> 0:10:17.760 And then two. 0:10:17.880 --> 0:10:20.680 Now it's not for every cause some of them it 0:10:20.679 --> 0:10:22.800 doesn't really make sense to do this, but especially for 0:10:22.840 --> 0:10:26.760 these like startups. I'm like, I ask for equity, right, 0:10:26.840 --> 0:10:29.560 pay me on back end, and they're like, I'm like, 0:10:29.559 --> 0:10:32.440 I'm sorry, you want ten thousand dream Catchers so you 0:10:32.480 --> 0:10:35.240 can then go and raise your your past seed round. 0:10:35.240 --> 0:10:38.160 You could raise a round BC, so you get sell 0:10:38.200 --> 0:10:39.640 it for it. And then when I get four dollars 0:10:39.679 --> 0:10:43.360 a person, no, then go go pick somebody else, I said, 0:10:43.360 --> 0:10:46.640 because over here, I don't just get people to sign up. 0:10:46.679 --> 0:10:48.680 We change behaviors over here. 0:10:49.640 --> 0:10:53.360 And so when I send a DreamCatcher to a product 0:10:53.440 --> 0:10:55.679 or service, we teach them how to use it, how 0:10:55.720 --> 0:10:57.600 not to use it, how to infuse it in their 0:10:57.600 --> 0:10:59.400 life in a way that's going to be meaningful. You 0:10:59.480 --> 0:11:02.400 have a life long user. And black women over indexed 0:11:02.400 --> 0:11:06.120 in the consumption of financial education tools. And I only 0:11:06.160 --> 0:11:08.760 know that because it's a big financial company. The CEO 0:11:08.840 --> 0:11:11.240 and I became friends and he shared that he was 0:11:11.320 --> 0:11:14.400 like that women take up seventy percent of these fright 0:11:14.480 --> 0:11:17.680 fintech like tools seventy percent of the women at least 0:11:17.679 --> 0:11:20.320 for his like fifty million dollar company were of the 0:11:20.320 --> 0:11:22.600 people that use the tool were women, and of that 0:11:22.640 --> 0:11:25.640 seventy percent, over fifty percent were black women. So I 0:11:25.679 --> 0:11:26.880 was like, so I built your company. 0:11:26.960 --> 0:11:27.480 He was like hey. 0:11:27.559 --> 0:11:29.719 Then he's saying hey, and I was like, yeah, I'm 0:11:29.720 --> 0:11:32.240 not doing that again, you know I'm not. And so 0:11:32.640 --> 0:11:35.800 like that is the like it's almost like what I 0:11:35.840 --> 0:11:37.960 love is that what Mandy and I do are like 0:11:39.880 --> 0:11:42.880 same side or different sides of the same coin, like negotiating, 0:11:43.000 --> 0:11:45.240 negotiating always. 0:11:45.080 --> 0:11:47.160 For like what does fair look like? 0:11:47.600 --> 0:11:50.000 And so that's what I'm navigating now, like what does 0:11:50.040 --> 0:11:50.840 fair look like? 0:11:50.840 --> 0:11:50.920 Like? 0:11:50.960 --> 0:11:52.160 I'm looking for partnerships. 0:11:52.160 --> 0:11:53.880 I'm not looking for you to show throw me a 0:11:53.880 --> 0:11:55.400 corner too, which there's nothing wrong with that, But if 0:11:55.400 --> 0:12:00.079 you are an influencer and you really dry valume, consider. 0:11:59.720 --> 0:12:01.320 Having the equity question. 0:12:01.520 --> 0:12:04.199 What would that look like I sent two thousand people 0:12:04.240 --> 0:12:06.680 ten thousand people, or if they're not willing to, you know, 0:12:06.679 --> 0:12:09.679 pay an equity, maybe it's already a huge company already. Increase, like, 0:12:09.720 --> 0:12:11.040 don't treat me this what I at least tell them, 0:12:11.040 --> 0:12:13.280 don't treat me like somebody off the street. If someone 0:12:13.280 --> 0:12:15.680 else can sign up for your affiliate program and get 0:12:15.720 --> 0:12:18.600 twenty five dollars, I need fifty because I'm not the same, 0:12:19.720 --> 0:12:22.240 you know, always negotiating more and now more and more. 0:12:22.240 --> 0:12:24.600 Which I love is that we're negotiating more on the 0:12:24.640 --> 0:12:26.240 front end, and even if I don't get equity in 0:12:26.320 --> 0:12:28.360 the company, I'm getting percentage on the back. 0:12:28.240 --> 0:12:30.800 End, percentage of like sales. 0:12:31.480 --> 0:12:32.400 So sometimes it's like this. 0:12:32.520 --> 0:12:34.760 So for example, there's a company that we use I 0:12:34.800 --> 0:12:38.480 really like for debt consolidation. You know, I'm like, okay, 0:12:38.880 --> 0:12:40.640 there's only like maybe two or three that I really 0:12:40.679 --> 0:12:43.559 liked that I've sent my sisters to. They had good experiences, 0:12:43.600 --> 0:12:46.000 and I'm like okay. And so it used to be 0:12:46.120 --> 0:12:47.920 we'll pay you, like make it up a number twenty 0:12:47.960 --> 0:12:50.800 five dollars person that signs up, and I was like, yeah, 0:12:51.000 --> 0:12:54.280 Like on my team, we have this. Oh Carol is 0:12:54.280 --> 0:12:57.360 our efficiencies manager, and she was like, wow, I'm doing 0:12:57.360 --> 0:13:00.480 the math. We've sent you know, hundreds of thousands, not 0:13:00.520 --> 0:13:01.480 millions of dollars to them. 0:13:01.840 --> 0:13:03.119 We should get a cut. 0:13:02.880 --> 0:13:05.840 Of the percentage of the debt they're consolidating. And so 0:13:05.880 --> 0:13:07.800 we've now negotiated that, like I think it's like one 0:13:07.800 --> 0:13:08.920 point five or two percent. 0:13:09.320 --> 0:13:11.360 It like, I don't even know. 0:13:11.360 --> 0:13:14.480 What past quadrupled is, like the income that we make 0:13:14.559 --> 0:13:16.720 in them, so you get per person, you see what 0:13:16.720 --> 0:13:17.040 I mean? 0:13:17.480 --> 0:13:20.880 And so it's like promoting like a checking a savings account. Yes, 0:13:20.920 --> 0:13:22.480 a percentage of the assets. 0:13:22.960 --> 0:13:26.280 Yes, because you're making a percentage of the assets being depositive. 0:13:26.360 --> 0:13:29.640 Say it again, Yes they are, I mean, you know. 0:13:29.679 --> 0:13:31.840 And then sometimes they're like ooh, no, tip, okay, go 0:13:31.880 --> 0:13:34.440 find somebody else. Pick somebody else. We're busy over here. 0:13:34.600 --> 0:13:37.679 Because here's the thing. When you have your this is why. 0:13:37.559 --> 0:13:41.520 For if you're an influencer, consider creating your own products 0:13:41.600 --> 0:13:44.920 or services like Mandy has, like I have, because Mandy, 0:13:44.960 --> 0:13:47.480 certainly I know you make money from like partnerships and things, 0:13:47.480 --> 0:13:49.840 but you have your own Mandy money makers. You have 0:13:49.880 --> 0:13:52.959 your own product and service because if not, you become 0:13:53.000 --> 0:13:57.040 basically a slave to whatever deal someone is going to 0:13:57.120 --> 0:13:59.360 give you. Because I can decide, right, I'm sure many 0:13:59.400 --> 0:14:01.959 you've had to decide do I put my energy? Why 0:14:02.000 --> 0:14:03.840 should I give my energy to you for four dollars 0:14:03.840 --> 0:14:05.880 a person when I can have someone side up for 0:14:05.880 --> 0:14:08.000 the Liberature Academy and keep the full thirty dollars a 0:14:08.040 --> 0:14:09.280 month for myself per person. 0:14:09.520 --> 0:14:10.400 So yeah, I. 0:14:10.400 --> 0:14:12.160 Can only make so many asks of my audience. And 0:14:12.240 --> 0:14:14.240 so these are some of the things that the shifts 0:14:14.240 --> 0:14:16.480 that are happening in business. And you know, as we 0:14:16.520 --> 0:14:20.440 get smarter, as we just like start to shift and transition, 0:14:20.880 --> 0:14:22.800 these are some of the conversations that are coming up. 0:14:22.840 --> 0:14:24.400 And you know, these companies, they. 0:14:24.280 --> 0:14:28.600 Get uncomfortable when a sister be like, not too much 0:14:28.640 --> 0:14:30.640 on not trying to pay me, just so grateful. 0:14:30.840 --> 0:14:35.760 Oh my god. I yeah, I think I've just had 0:14:35.800 --> 0:14:37.800 the benefit of watching you grow your business as well. 0:14:37.800 --> 0:14:41.360 But I when I approach Mandy Money Mandy money Makers, 0:14:41.360 --> 0:14:44.040 when I launched a couple of years ago, I always knew, Yeah, 0:14:44.080 --> 0:14:46.560 of course, that's a nice thing to have. As an influencer. 0:14:46.600 --> 0:14:49.560 You have, you know, brands that come to you because 0:14:49.560 --> 0:14:51.480 you've built your audience and they want to leverage it, 0:14:51.880 --> 0:14:54.480 and it can be you know, financially lucrative. But for me, 0:14:54.560 --> 0:14:58.520 it was never I never wanted to be just going 0:14:58.560 --> 0:15:01.000 after those little this brands deal that brand deal, a 0:15:01.000 --> 0:15:04.760 few thousand bucks there, you know. And even though I 0:15:04.840 --> 0:15:07.040 was paid like over thirty k just to do an 0:15:07.080 --> 0:15:08.240 Instagram Live one time. 0:15:08.400 --> 0:15:10.320 You know, I was excited that that was a good one. 0:15:10.400 --> 0:15:16.960 I land negotiate that with your help, thanks to But hey, 0:15:16.960 --> 0:15:18.960 when you want me to agree to not go with 0:15:19.080 --> 0:15:21.480 anyone else for months, like to not go with any 0:15:21.480 --> 0:15:24.280 of your competitors for months, then yeah, can I get 0:15:24.320 --> 0:15:29.200 some income anyway? So yeah, I just those are my 0:15:29.360 --> 0:15:32.520 fun like little surprise nuggets, you know, like, oh, put 0:15:32.520 --> 0:15:36.000 this in the fund for the you know, the for 0:15:36.080 --> 0:15:39.880 what for taxes, for taxes, like for my dream house. 0:15:40.320 --> 0:15:43.400 It's coming. But yeah, So but beyond that, you're right, 0:15:43.520 --> 0:15:46.080 you know, having your own products and also I'm genuinely 0:15:46.120 --> 0:15:48.440 creating things that I want to fill a need that 0:15:48.520 --> 0:15:52.080 are useful to people. So how do you get on 0:15:52.120 --> 0:15:55.080 this whole like, oh, the Writer's Guild and all that, Yes. 0:15:55.640 --> 0:15:57.600 Creating your own thing instead of waiting for everybody to 0:15:57.600 --> 0:15:58.040 just pay you. 0:15:58.320 --> 0:15:59.760 I got to pick your brain because I'm going to 0:15:59.760 --> 0:16:03.440 find con. I'm going on our anniversary trip to Fincome 0:16:03.480 --> 0:16:07.360 by myself, and I'm gonna go and just have a 0:16:07.480 --> 0:16:10.160 you know, I'm just gonna have dinner for two, but 0:16:10.240 --> 0:16:12.160 your seat will be empty and I'll just. 0:16:12.120 --> 0:16:17.120 Talk your poor little something for I know, it's your. 0:16:16.960 --> 0:16:20.520 Birthday week, but it's New Orleans and it was where 0:16:20.560 --> 0:16:21.640 you met. 0:16:25.320 --> 0:16:25.640 The river. 0:16:25.840 --> 0:16:29.760 It was just you know, the origin. But I am 0:16:29.800 --> 0:16:33.800 going and I'm doing I'm doing a I'm hosting my 0:16:33.800 --> 0:16:37.480 own breakout session and it's and I pitched it months 0:16:37.480 --> 0:16:40.120 ago and I'm like, oh, yeah that. But it's going 0:16:40.200 --> 0:16:43.200 to be how to bank your brand, tips for negotiating 0:16:43.240 --> 0:16:46.440 your contracts and negotiating your brand deals. So tipmona, I'm 0:16:46.440 --> 0:16:49.840 gonna be downloading your your brain a little bit for that. Yes, 0:16:50.760 --> 0:16:52.760 let's get back to the b a buzz. Okay, So 0:16:53.080 --> 0:16:56.680 we talked about the government shutdown, the writer's strike and 0:16:56.800 --> 0:16:59.800 actors strike. Let's talk about student loans. 0:17:00.120 --> 0:17:03.920 My friends are like, October instead of Winter's coming October? 0:17:04.320 --> 0:17:05.320 Is it October first? 0:17:06.160 --> 0:17:06.600 I don't know. 0:17:06.640 --> 0:17:09.120 I was trying to find it said everything even says 0:17:09.160 --> 0:17:11.960 even on their website, like like the government website, it 0:17:12.000 --> 0:17:14.640 says it would be due sometime in October. 0:17:14.680 --> 0:17:15.560 I'm like, what does that mean? 0:17:15.800 --> 0:17:17.720 Does that mean that if we're doing really bad in 0:17:17.720 --> 0:17:19.560 the polls, we will extend it again? 0:17:20.119 --> 0:17:20.399 Girl? 0:17:20.440 --> 0:17:20.960 I don't know. 0:17:21.920 --> 0:17:23.440 It's really yeah, not so clear. 0:17:24.080 --> 0:17:27.399 I hesitate to I don't want to make it like, 0:17:27.560 --> 0:17:30.440 I mean, it is pretty partisan, but anyway, whether or 0:17:30.440 --> 0:17:32.159 not you support her, I feel like most of our 0:17:32.160 --> 0:17:38.280 listeners probably do. But AOC Alexandria, OK, she actually launched 0:17:38.320 --> 0:17:42.919 a really great, very educational series, nonpartisan series, just on 0:17:43.000 --> 0:17:46.560 the facts of what's going to happen when it comes 0:17:46.560 --> 0:17:50.240 to student loan payments resuming and even people may be 0:17:50.320 --> 0:17:53.359 eligible for forgiveness and not know it. So I'd love 0:17:53.400 --> 0:17:56.200 to drop a link to her to whoror to her 0:17:56.400 --> 0:17:59.800 ig in our show notes so you can or if 0:17:59.800 --> 0:18:01.959 she has them, like you know, organized somewhere. But I 0:18:02.040 --> 0:18:04.240 was watching a few of those and they were hell helpful, 0:18:04.600 --> 0:18:06.280 even just for me to understand. 0:18:07.560 --> 0:18:09.600 Yeah, I'm in here just looking. It's I'm just trying 0:18:09.600 --> 0:18:10.680 to like I'm literally on. 0:18:10.720 --> 0:18:16.320 Studentaid dot gov, and my my, they're not as helpful 0:18:16.480 --> 0:18:17.800 as you would like them to be. 0:18:19.520 --> 0:18:19.800 Yeah. 0:18:19.880 --> 0:18:23.960 It basically it says student loan interest will resume starting 0:18:24.000 --> 0:18:28.119 on September one, twenty twenty three, and payments will be 0:18:28.200 --> 0:18:31.280 due starting in October. And maybe what they mean is that, 0:18:31.320 --> 0:18:33.119 like you know, everybody's payment date is different, maybe, like 0:18:33.160 --> 0:18:35.960 you know, you normally pit, so maybe that's why we 0:18:36.040 --> 0:18:38.960