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Speaker 1: Hey, ba fam, we are five years into making this

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Speaker 1: podcast that we love so much called Brown Ambition, and

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Speaker 1: we could not do it without you. We've gone from

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Speaker 1: me and Tiffany sneaking around my old office building trying

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Speaker 1: to find places to record, and thanks to you, guys,

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Speaker 1: we now have one hundred thousand downloads per month for

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Speaker 1: this little show called Brown Ambition. We would love to

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Speaker 1: ask y'all for a small favor as fans of the show. Tiffany,

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Speaker 1: what are we looking for?

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Speaker 2: Here's what we'd love from you, guys.

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Speaker 3: We already have over a thousand reviews and a five

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Speaker 3: star rating on iTunes, but you know it's better than

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Speaker 3: one thousand.

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Speaker 2: Reviews two thousand reviews.

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Speaker 3: If you get head on over to iTunes, go to

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Speaker 3: our Brown Ambition page, scroll on down to the bottom,

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Speaker 3: subscribe and leave us a five star rating and review.

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Speaker 1: So subscribe, rate review. Not too much to ask, right easyps.

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Speaker 1: We love you guys, and thank you so much for

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Speaker 1: making Brown Ambition what it is. The last five years

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Speaker 1: have been amazing and it's all things to you.

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Speaker 3: Hey, hey, hey, we're back, We're black.

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Speaker 2: We're bread, and.

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Speaker 1: Somebody been a little jazz. Somebody watched my Rainie's black Bottom.

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Speaker 2: I was giving. I was giving Queen Latifa. I was

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Speaker 2: giving a little yeah, you.

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Speaker 3: Know, she's like one of my Queen Latifa is one

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Speaker 3: of my idols. You know that she's from mm hmmm,

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Speaker 3: well Norky Starringiest. But also what I love about Queen Latifah,

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Speaker 3: the reason why she's one of my idols is because

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Speaker 3: I feel like she has maintained her authentic self and

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Speaker 3: has risen to like, you know, the upper echelons of

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Speaker 3: her of her career while maintaining you know, Brick City,

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Speaker 3: Essex County, New Jersey.

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Speaker 2: You know, So I just love that.

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Speaker 1: Yeah, I was listening to speaking of Newark and famous people.

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Speaker 1: Whitney Houston has been coming up a lot because this

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Speaker 1: is her The anniversary of her death is around this

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Speaker 1: time of year. I remember it was around Valentine's Day?

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Speaker 1: How many years ago was it? And there was a

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Speaker 1: podcast that did a whole recap of her performance at

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Speaker 1: the super Bowl, the epic, the iconic one where she's

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Speaker 1: sang the national anthem and they were sort of just there,

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Speaker 1: they were giving her the shine that she deserves, and

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Speaker 1: just it just makes it sad that she never got

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Speaker 1: to fulfill her entire you know, fulfill what she could

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Speaker 1: have done if she had, you know, not gone so quickly.

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Speaker 1: But yeah, I mean I feel like Queen Latifah. What else?

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Speaker 1: What else is new work have going for them? Whitney

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Speaker 1: Corey Booker? Is that something that y'a by nature?

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Speaker 2: Okay?

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Speaker 1: I know you've got a new whole food.

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Speaker 2: Yeah, we do have a new foods.

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Speaker 1: Newark is the Newark Renaissance, and I was Newark Renaissance.

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Speaker 1: It's exciting that you're a part of that.

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Speaker 2: Yeah, I know it is, honestly, Yeah, girl, how have

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Speaker 2: you been?

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Speaker 1: You know, nothing new over here, nothing new to report?

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Speaker 2: So something. So I don't know if y'all remember, but

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Speaker 2: I meet with my coach.

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Speaker 3: Remember I was looking for like a therapist, and then

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Speaker 3: I found a therapist, coach, Stephanie. No, I found a

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Speaker 3: therapist finder Stephanie who connected me. She's like, well, I

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Speaker 3: don't know if you need a therapist more so like

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Speaker 3: a coach. But my coach, doctor Green is also a therapist.

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Speaker 3: She's just not my therapist anyway, say all had to say.

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Speaker 3: I had a call with her on Friday and then

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Speaker 3: she gave me a really good lesson. So I just

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Speaker 3: wanted to share that with the Austins. We're sharing lessons,

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Speaker 3: like you know, y'all know that my new book Get

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Speaker 3: It with Money, it's available for pre order and Get

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Speaker 3: Good with Money dot com. And I have been nervous

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Speaker 3: to share that I would like for it to you know,

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Speaker 3: be a bestseller, like you know, to be on the list,

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Speaker 3: like you know, there's like USA Today, Washington Post, New

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Speaker 3: York Times, like I've been nervous to.

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Speaker 2: Like say it.

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Speaker 3: And she was asking me why it's on my vision board.

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Speaker 3: It's been on my vision board even before I got

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Speaker 3: my book deal. And there was two reasons.

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Speaker 2: One, I said, I just feel felt like it was

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Speaker 2: maybe a little.

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Speaker 3: Arrogant, you know, to say like oh. And she was like, no,

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Speaker 3: that's not it. And she said, do you know what

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Speaker 3: arrogance is. I was like, uh, yeah, I guess and

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Speaker 3: she said no. Arrogance is when you are using your

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Speaker 3: quote unquote bigness to make someone else feel small, right.

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Speaker 3: And so she was like, is that what you're trying

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Speaker 3: to do when you say, hey, I would love to

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Speaker 3: have a New York Times bestseller? And I said no,

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Speaker 3: and she's said, well, then that's not arrogance, and I

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Speaker 3: was like, well, maybe this is just a lack of humility.

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Speaker 3: She's like, wrong again, do you know what humility is?

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Speaker 3: And I was like, hey, I guess you're gonna tell me.

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Speaker 3: And she said, true humility is really filling up just

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Speaker 3: the right amount of space. She was like, you know,

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Speaker 3: like not no less, no more. Humility is not about shrinking.

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Speaker 3: Humility is about filling up the space a set aside

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Speaker 3: for you, you know, like just doing what it is

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Speaker 3: that you're created to do. She was like, we don't

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Speaker 3: consider the sun any less humble. The sun is meant

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Speaker 3: to shine, and so are you, Tiffany. I have to

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Speaker 3: lean into I know. I was like, I'm not gonna

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Speaker 3: lie every time. I'm like that tears wow, right, and

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Speaker 3: and so something else like I you know, there was

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Speaker 3: something else that she said to me.

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Speaker 2: That to me, the biggest lesson that I got away

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Speaker 2: from it.

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Speaker 3: And I said, I guess it's like, well, what if

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Speaker 3: I don't get any best sellers, what if I don't

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Speaker 3: sell well, what if the books?

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Speaker 2: You know, what if nobody cares? What if people say

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Speaker 2: it's terrible?

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Speaker 3: And you know, and she said, what would you feel?

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Speaker 3: I was like, I would feel ashamed. And she was like,

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Speaker 3: you know, shame is one of the most she said,

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Speaker 3: it's really one of the most terrible emotions because shame

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Speaker 3: is a liar. Because the thing about shame is that

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Speaker 3: shame tells you that you're bad, not that the action

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Speaker 3: that you take have taken might not have been as

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Speaker 3: good as it ought to be. You know, shame, shame,

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Speaker 3: Shame speaks to you as a person incorrectly, like if

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Speaker 3: I don't sell enough books, I'm bad. I'm a loser.

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Speaker 3: I not just I just didn't sell a lot of books.

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Speaker 3: And she was like, that's why shame is so bad,

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Speaker 3: because it truly eats away and all the things that

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Speaker 3: are good about you, because it'll have you believing that

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Speaker 3: there's something wrong with you because of some sort of

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Speaker 3: action that was externally taken, you know. And she said,

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Speaker 3: you know, there's really one, only one antidote to shame,

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Speaker 3: and I'm sharing this whether you're thinking about your finances,

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Speaker 3: whether you're thinking about your goals, whatever it is, especially

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Speaker 3: us as women, we struggle with this. She said, the

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Speaker 3: only antidote to shame is voice. And it like hit

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Speaker 3: me like a ton of bricks, and she was like,

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Speaker 3: in sharing whatever it is that you're afraid of, that

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Speaker 3: you're ashamed of. When you give voice to it, you

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Speaker 3: literally you render shame useless.

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Speaker 2: So I'm afraid, you.

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Speaker 3: Know, I use my credit card too much and my

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Speaker 3: bill is too high, you know, Oh my gosh, you know,

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Speaker 3: like I think I'm going to lose my house to

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Speaker 3: foreclosure because during the pandemic, you know, I was furlough

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Speaker 3: and I can't I can't afford I can't afford the

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Speaker 3: mortgage anymore. Tell your father, tell your sister, not that

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Speaker 3: they're going to give you money, but to release the

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Speaker 3: shame of it. Because shame is keeping you from solutions.

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Speaker 3: It's keeping you shamed. Like it thrives off of you hiding,

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Speaker 3: It thrives off of you being alone, It thrives off

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Speaker 3: of silence.

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Speaker 2: And so when she said that that.

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Speaker 3: Like, you know, shame, the antidote to shame is voice,

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Speaker 3: I was just like wow, because honestly, we've sold like

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Speaker 3: thousands of copies already. But the first day there was

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Speaker 3: a glitch in the system and they told us that

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Speaker 3: we only sold like a few hundred copies, and I

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Speaker 3: was like, wait, what. I couldn't believe because it's been

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Speaker 3: so we had worked so hard, and honestly, I felt

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Speaker 3: so much shame. Mandy. I was like, I mean, I

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Speaker 3: was like, a superman doesn't ever really, I'm even though

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Speaker 3: it's surprising, I'm I'm pretty much a cry baby, but

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Speaker 3: he doesn't see me cry much.

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Speaker 2: He didn't know what to do. He was like, wait,

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Speaker 2: are you gonna cry? I was like, He's like, do

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Speaker 2: you want some tea?

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Speaker 1: I was like, what are you doing?

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Speaker 3: I guess I normally cry by myself. I was like,

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Speaker 3: has he not seen me cry? I'm like, well, I

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Speaker 3: guess I don't. Really I was thinking, I'm like, you know,

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Speaker 3: I guess I do cry by myself. I guess, but

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Speaker 3: I was so ashamed. It was like my worst fear

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Speaker 3: confirmed that I could put in hard work and it

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Speaker 3: come to nothing. And she was like, and what happened?

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Speaker 3: I was like, I don't know. I just felt a shamed.

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Speaker 3: She's like, but did you basically, but did you die?

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Speaker 2: And you know?

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Speaker 3: And I didn't. And then she's like again, then what happened?

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Speaker 3: And I said, well, then you know, I called, like,

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Speaker 3: you know, my best friend and I told her and

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Speaker 3: I called my other best friend.

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Speaker 2: I told him. She said okay, and she said no,

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Speaker 2: what happened?

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Speaker 3: Did they judge you? And I said no. She was like,

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Speaker 3: did they comfort you? He said yes, And she's like,

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Speaker 3: then what else? And I was like, well, then I

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Speaker 3: started to put together a plan of what we can

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Speaker 3: do to, let you know, to make the next day better.

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Speaker 3: And she's like, and did you put in the plan?

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Speaker 3: I said, yes, you know, I've reached out. I wasn't

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Speaker 3: going to tell my team. I was afraid that they would,

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Speaker 3: you know, that they would look at me differently. But

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Speaker 3: they didn't. And she said, so so so thankfully that

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Speaker 3: number ended up being incorrect. But what if your worst

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Speaker 3: fear does come to light? Can you not lean into

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Speaker 3: those solutions telling people that you trust, think about a

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Speaker 3: plan of action?

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Speaker 2: She said, one feeling it?

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Speaker 3: There's nothing wrong with feeling like disappointing, disappointed. So can't

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Speaker 3: you lean into those action steps feeling the disappointment, telling

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Speaker 3: people that you trust and that love you, that are

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Speaker 3: going to give you the support, the emotional support that

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Speaker 3: you need, thinking about solutions, and then getting the folks

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Speaker 3: around you that would help in those solutions and working

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Speaker 3: the plan. Can't that always be how you manage when

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Speaker 3: things like this happen.

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Speaker 2: I was like, I guess, so it's really.

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Speaker 1: Good and I just felt I feel deeply. I mean,

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Speaker 1: I've shame is it is so toxic? And you're yeah,

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Speaker 1: And I've never heard it articulated in that way except

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Speaker 1: for maybe Brene Brown. You know, she's become really ubiquitous,

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Speaker 1: but she's given a Ted doc on shame. And but

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Speaker 1: that particular like phrasing that the antidote to shame is voice,

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Speaker 1: It's so true. I mean in this Yes, immediately when

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Speaker 1: you were talking, I started to think about the women

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Speaker 1: in my life who've felt ashamed of, you know, being harassed,

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Speaker 1: sexually harassed at the office or in their personal lives,

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Speaker 1: and they didn't want to say anything or even listening to.

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Speaker 1: I don't know if you guys did tune into AOC's

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Speaker 1: ninety minute Instagram live where she recounted what happened to

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Speaker 1: her during the riot from her perspective. But part of

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Speaker 1: her story was part of her was the reason she

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Speaker 1: was even telling it because she wasn't you know, she

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Speaker 1: wasn't hurt physically, although it was extremely you know, she

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Speaker 1: thought she was going to die several times because she's

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Speaker 1: aos and literally people there are people who would like

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Speaker 1: to see her gone, but her sharing her story. She said,

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Speaker 1: I thought my story was too small. I thought that

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Speaker 1: it didn't matter, and I thought I felt ashamed that

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Speaker 1: if I said it, that maybe it would be used

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Speaker 1: as a weapon against me by conservative media and all

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Speaker 1: that kind of stuff. But she was like, I'm gonna

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Speaker 1: tell the story anyway, because it's really to encourage other

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Speaker 1: people who've been through something small large. Who knows saying it.

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Speaker 3: It is to her to release her It's yes, yes, honestly.

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Speaker 3: One of the reasons why, like I don't do it

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Speaker 3: as much, but one of the reason I used to

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Speaker 3: I shared, like my my struggle with fertility is because

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Speaker 3: of that, because I don't know any woman that wants

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Speaker 3: to have a child, that is having trouble having a

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Speaker 3: child that doesn't feel shame about it. Because you're told

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Speaker 3: your whole life, since you were you know, since you

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Speaker 3: get your first period, better be careful, don't want to

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Speaker 3: get pregnant, because the assumption is if you're a woman

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Speaker 3: and you have a period, pregnancy is a is a given.

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Speaker 2: It's like dum a default for your.

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Speaker 3: Body, right, and then you know, all throughout like high

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Speaker 3: school and college unless you found someone you're like every

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Speaker 3: month you're like, oh, not pregnant this month, Oh thank goodness,

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Speaker 3: you know, and then you try the thing that your

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Speaker 3: body is supposed to do, default the thing that you've

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Speaker 3: literally seen fourteen year olds do women who are you know,

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Speaker 3: addicted to substance, substances that should have destroyed their inside,

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Speaker 3: like like women who work in the harshest environments, I

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Speaker 3: mean every type of extreme, you know, and in between

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Speaker 3: you see women getting pregnant left and right, left and right, left, right,

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Speaker 3: and you're like, what's wrong with me?

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Speaker 2: So there's a shame in that.

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Speaker 3: But I the reason why I share, That's why that lady,

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Speaker 3: I mean, I made a joke of it, but and

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Speaker 3: I know she didn't intend it, like the woman who

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Speaker 3: say I'm tired of hearing about Tifney's uterus. You know,

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Speaker 3: you know I made a joke of it because, like

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Speaker 3: I know, obviously she didn't say it to be I mean,

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Speaker 3: she was being mean, but she didn't say it to

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Speaker 3: the depth of like which I felt it.

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Speaker 2: But I shared it. And I share that because I

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Speaker 2: do feel.

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Speaker 3: Shame around it, and the only way to let go

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Speaker 3: of that is to share, because I know in so

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Speaker 3: sharing you guys hit up my inbox like crazy, like

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Speaker 3: me too, girl, this is what I did, or this

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Speaker 3: is how I fell or I still don't have a

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Speaker 3: kid yet. You know that, like shame, I just that's

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Speaker 3: what I wanted to give that gift of. Like, if

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Speaker 3: you're feeling shame around a thing, whether it's not wanting

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Speaker 3: to admit that you want to be on a New

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Speaker 3: York Times bestsellers list, or it's you know, somebody raped

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Speaker 3: me and I never told anyone that. Really, the only

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Speaker 3: way that you're going to start to release yourself and

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Speaker 3: free yourself from that shame is to give voice to it. However,

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Speaker 3: voice looks like to you, voice just means speaking about

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Speaker 3: it in a safe place where you're going to get

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Speaker 3: the support and encouragement that you need.

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Speaker 1: I feel like I just need a paper fan to

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Speaker 1: fan my face. I'm just like I'm doing that Baptist

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Speaker 1: church lady like rocking back and forth like m appreac on.

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Speaker 1: Yeah listen, y'all, I do deep have deep Southern Baptist roots.

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Speaker 1: But anyway, uh so that's the show. I mean, I

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Speaker 1: don't know what else you guys could need from us today,

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Speaker 1: because I feel like we just gave you everything that.

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Speaker 2: You need, everything I happened to be.

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Speaker 1: I know. No, that's I'm really glad. And to bring

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Speaker 1: it back to finance in brown ambition, women can feel

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Speaker 1: ashamed of being ambitious and also the first step toward

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Speaker 1: financial wealth and well being for a lot of people

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Speaker 1: who don't come from a place of privilege and already

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Speaker 1: had some kind of foundation, is one being vulnerable enough

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Speaker 1: to say I do not know this, I need to ask,

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Speaker 1: I need to ask questions and or if you've had

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Speaker 1: struggles in the past, here's where I'm at today. And

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Speaker 1: I have been coaching two people in my family who

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Speaker 1: who in the past couple of and I've been I've

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Speaker 1: been working on these people for years to like, you know, hey,

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Speaker 1: every want to talk. I don't want to be intimidating,

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Speaker 1: but I'm like, I can tell that you want to say.

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Speaker 1: They're the people who like they reached out and they're like, hey,

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Speaker 1: I'm going to text you or can we talk? And

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Speaker 1: then they never text and never call, and it'll happen

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Speaker 1: like once a year, and then finally you have the

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Speaker 1: conversation and you realize you know what the and you

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Speaker 1: hear it in their voice when they have, when they

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Speaker 1: have shared the truth of their situation. And the first

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Speaker 1: thing I usually say is You're gonna be fine. This

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Speaker 1: is okay, this isn't that bad. You can fix this

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Speaker 1: or it's not about always fixing. It's like, you can

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Speaker 1: get there. You know, you can get to this dream,

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Speaker 1: you can get to this, you can achieve this, you

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Speaker 1: can think bigger. You just need to know a few

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Speaker 1: you know, a few little stepping stones. And it's it's

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Speaker 1: really impactful and powerful financially just to open up and

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Speaker 1: to yeah, to share with other people and you don't

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Speaker 1: even know. It could be sending in a question to

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Speaker 1: Brown ambition or you know, or just talking to a

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Speaker 1: girlfriend or to an actual financial planner. But I don't

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Speaker 1: think if you if you choose carefully who you talk to,

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Speaker 1: you know, choose people that you trust and who love

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Speaker 1: you, you're never gonna be better or worse off. I think

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Speaker 1: from having that kind of conversation and I and yeah,

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Speaker 1: I truly do feel like that is and you've probably

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Speaker 1: seen this a millionfold through your work through the budget NESTA.

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Speaker 1: But getting over that initial hump of the shame and

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Speaker 1: the sense of embarrassment over what they where they It's

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Speaker 1: always the shoulds right where you think you should be

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Speaker 1: but you aren't. Well you think you should be doing

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Speaker 1: what you can't. Well, you think you should know, but

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Speaker 1: you don't know. It's all it's all tied to shame.

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Speaker 1: And yeah, it's it's almost you know, as a as

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Speaker 1: you know in my title chief Consumer Advocate, it's like,

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Speaker 1: what is that? Well, really, I feel like I am

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Speaker 1: someone who's going to help people get over that home,

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Speaker 1: you know, get over that sense of shame and to

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Speaker 1: unlock potential they never knew they had, you know, because

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Speaker 1: they can feel like they have someone they can talk

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Speaker 1: to who relates to them and all that. And yeah,

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Speaker 1: I financial shame. I'm trying to think of, like I

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Speaker 1: feel like you should do it technique.

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Speaker 3: Maybe sometimes I'm so opposed to some of you know,

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Speaker 3: some of y'all thieves who peddle the shame.

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Speaker 2: I mean, like we're not going.

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Speaker 3: To say any names, but you know, just because it's

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Speaker 3: enough of that, Like you know, that's why you know here,

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Speaker 3: you know, we talk about we try to make the

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Speaker 3: financial advice. We never try to shame y'all of the

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Speaker 3: choices that you've made, because honestly, We've made those choices

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Speaker 3: times ten. And this is supposed to be a safe

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Speaker 3: space so you can lean in and ask your questions

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Speaker 3: about finance and business and career and everything adjacent, because

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Speaker 3: there's enough shame out there. And honestly, we're already good

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Speaker 3: at shaming ourselves. We don't need anybody's help.

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Speaker 1: I'm saying right. And I think I saw this quote recently,

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Speaker 1: just to like round this out, And you said choices.

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Speaker 1: There was someone who said, you know, you didn't. You

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Speaker 1: didn't make good choices. You had good choices to make.

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Speaker 1: And I think that's a real definition of privilege. I

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Speaker 1: need to figure out where I saw that. It must

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Speaker 1: have been somewhere on Insta. Yeah, you didn't you didn't

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Speaker 1: have good choice, or you didn't make good choices. Your

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Speaker 1: choices were good in the first place, And that's privilege.

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Speaker 1: And I think being black women, Tiffany, we get it

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Speaker 1: in the sense that and I was all always so

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Speaker 1: sensitive to that when I was editing content or writing content,

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Speaker 1: you know, for a general audience, not to be not

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Speaker 1: to be dismissive or not to be what's the word like,

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Speaker 1: condescending to people. Why did you do that choice? You

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Speaker 1: never should have done that in the first place. I

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Speaker 1: get it. You know, when you are black in this

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Speaker 1: country or your minority in this country, often you may

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Speaker 1: not it's either the payday loan or it's taking an

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Speaker 1: advance in your credit card. Okay, So okay, I don't

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Speaker 1: have the emergency fund. Yeah, so skip that piece of

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Speaker 1: your useless you know, top ten list of what to

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Speaker 1: do to to to start saving. You know, I don't

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Speaker 1: have those things. So I have these choices. They're all

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Speaker 1: bad choices. So which is the least worse and how

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Speaker 1: can I better prepare for next time? And that is

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Speaker 1: the perspective that and that is Yes, that is perspective,

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Speaker 1: and that's why there will always be That's why I think, Tiffany,

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Speaker 1: you belong on the best seller's list, you belong up

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Speaker 1: there with everybody else because you know your voice and

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Speaker 1: your perspective, and you're you're the way that you're tuned

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Speaker 1: into your community and your audience is needed. And that's

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Speaker 1: also why I think there's that's why I more than

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Speaker 1: willing to step up into this new role because it's

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Speaker 1: there's space and there's need for more financial empathy.

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Speaker 2: More Yes that note, I think we should take a

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Speaker 2: whosan a break. Everybody, take a deep breath.

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Speaker 4: Then we'll be back after these important messages, and.

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Speaker 2: We're back for questions. You know, this is my favorite

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Speaker 2: part of the.

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Speaker 3: Show because you can ask us any kind of question

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Speaker 3: you like, questions about finance, business, career, and life all around.

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Speaker 3: We'll do our best to answer them. Although we are

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Speaker 3: not experts.

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Speaker 1: I mean, we're not your financial planner at the end

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Speaker 1: of the day, and anything that we say here right

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Speaker 1: is like general you know, information that we have collected

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Speaker 1: over years, decades of experience collectively. So don't take anything

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Speaker 1: we say, you know to the letter. Always do what's

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Speaker 1: best for you. But we do love getting all us questions,

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Speaker 1: and in fact, we're just talking about shame. If you

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Speaker 1: are a shamed you should feel like when you submit

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Speaker 1: a question to Brian Ambition, even if it doesn't end

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Speaker 1: up on the show, I feel like even just typing

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Speaker 1: it out might make you feel better just putting it

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Speaker 1: down on paper. So consider us your your personal finance diary,

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Speaker 1: and you can always remain anonymous. We get lots of

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Speaker 1: anonymous questions. I think as people are a little bit embarrassed,

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Speaker 1: and that's perfectly fine. It's like your comfort level, but

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Speaker 1: do reach out to us. No question is too silly

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Speaker 1: and we love to hear from y'all, and it's also

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Speaker 1: a good way for us to understand what has happening

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Speaker 1: out in the world and what are people worried about

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Speaker 1: and concerned about. So I'll remind y'all where you can

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Speaker 1: find us. You can go to Brandambisson podcast dot com

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Speaker 1: and click ask us anything to send a question, or

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Speaker 1: you can hit us up directly on our Insta media

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00:21:15,359 --> 00:21:20,520
Speaker 1: instant Media what Instagram account Brand Ambition Podcast on Insta

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00:21:20,680 --> 00:21:23,480
Speaker 1: just slide into our dms there, or send us an

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Speaker 1: email directly Brand Ambisson Podcast at gmail dot com dot com.

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Speaker 1: And now I'm going to take a question from a

431
00:21:30,680 --> 00:21:33,000
Speaker 1: listener named Kayla. She actually hit us up through our

432
00:21:33,040 --> 00:21:35,800
Speaker 1: email Old school. Kayla's got a quick question, and actually

433
00:21:35,840 --> 00:21:39,360
Speaker 1: we were just talking about online brokerages last week when

434
00:21:39,359 --> 00:21:42,040
Speaker 1: we were talking about GameStop and the whole Robinhood fiasco.

435
00:21:42,160 --> 00:21:44,919
Speaker 1: So go check out episode two fifty one if you

436
00:21:45,040 --> 00:21:47,840
Speaker 1: haven't yet to catch up on all that. But Kyla's

437
00:21:47,880 --> 00:21:51,280
Speaker 1: question is, could you all give advice on the best

438
00:21:51,400 --> 00:21:55,240
Speaker 1: online broker for investing for beginners or platforms that you

439
00:21:55,359 --> 00:21:58,800
Speaker 1: are using or have used for investing that you like and.

440
00:21:58,720 --> 00:22:04,920
Speaker 2: Why Okaila, you got me?

441
00:22:05,040 --> 00:22:09,879
Speaker 3: Oh my niece actually Leila. But okay, so I'm not

442
00:22:09,920 --> 00:22:16,119
Speaker 3: gonna lie. I used to use but I know, I

443
00:22:16,200 --> 00:22:18,680
Speaker 3: know longer, I know longer I used it. When did

444
00:22:18,680 --> 00:22:21,600
Speaker 3: you stop holding robin Hood last week?

445
00:22:21,840 --> 00:22:28,399
Speaker 2: Okay, it would take the investigative journalist. I was like,

446
00:22:28,480 --> 00:22:33,200
Speaker 2: turn it, Mandy. I mean, it's just a couple of questions. No, no, no, no, no,

447
00:22:33,480 --> 00:22:35,000
Speaker 2: that's fine, that's fine.

448
00:22:35,600 --> 00:22:35,679
Speaker 1: No.

449
00:22:35,840 --> 00:22:39,639
Speaker 3: But I also like honestly, I also like Vanguard, but

450
00:22:39,720 --> 00:22:41,600
Speaker 3: I mean that's more like for a brokerage account.

451
00:22:43,119 --> 00:22:45,439
Speaker 1: Yeah, there are there are so many out there, but

452
00:22:45,640 --> 00:22:47,719
Speaker 1: just talk about like the ones you've used, and if

453
00:22:47,760 --> 00:22:51,560
Speaker 1: you left Robinhood. And I personally, long before I worked

454
00:22:51,560 --> 00:22:55,199
Speaker 1: with Ally, I had been using robin Hood, but I

455
00:22:55,240 --> 00:22:58,159
Speaker 1: got frustrated by the time it took to transfer funds

456
00:22:58,200 --> 00:23:02,040
Speaker 1: from my my bank account, which was Ally, and it

457
00:23:02,119 --> 00:23:03,879
Speaker 1: took like a few days to process. And when you

458
00:23:03,920 --> 00:23:05,800
Speaker 1: wanted to buy a stock, three days is I mean,

459
00:23:06,040 --> 00:23:07,560
Speaker 1: you don't know what could happen in three days. So

460
00:23:07,600 --> 00:23:10,600
Speaker 1: a good deal can instantly become like crazy, you know,

461
00:23:10,680 --> 00:23:13,800
Speaker 1: expensive three days later. So for me, the draw for

462
00:23:13,920 --> 00:23:17,240
Speaker 1: Ally was that they had they had launched Ally invest

463
00:23:17,280 --> 00:23:20,640
Speaker 1: and I finally hooked up to their online brokerage and

464
00:23:20,960 --> 00:23:22,919
Speaker 1: it's great. I mean it's there's a lot of them

465
00:23:22,960 --> 00:23:25,320
Speaker 1: out there, but for me as an ALLY customer, just

466
00:23:25,359 --> 00:23:28,560
Speaker 1: makes sense to connect it because it's super easy to

467
00:23:28,560 --> 00:23:30,080
Speaker 1: transfer money and I can see it all in one

468
00:23:30,119 --> 00:23:32,679
Speaker 1: place and it's all pretty. But in the past, I

469
00:23:32,720 --> 00:23:35,840
Speaker 1: too have used I still have robin Hood. I have

470
00:23:36,160 --> 00:23:39,200
Speaker 1: a bunch of Chewy shares because I love Chewi, which

471
00:23:39,200 --> 00:23:41,480
Speaker 1: is where I buy all of Molly's fancy dog food.

472
00:23:41,760 --> 00:23:43,280
Speaker 1: I have a bunch of shares there and I just

473
00:23:43,359 --> 00:23:45,919
Speaker 1: haven't done anything with them. I guess I should. I

474
00:23:45,920 --> 00:23:48,000
Speaker 1: don't know, what do you do if you got shares

475
00:23:48,000 --> 00:23:49,480
Speaker 1: at robin what did Yeah? What did you do with

476
00:23:49,520 --> 00:23:51,679
Speaker 1: your shares? Just leave them there? No?

477
00:23:51,880 --> 00:23:54,040
Speaker 3: So what I did was I was talking with Angelie

478
00:23:54,119 --> 00:23:58,879
Speaker 3: y'all know, my my amazing financial CFP, Yeah, certified financial planner,

479
00:23:59,200 --> 00:24:01,080
Speaker 3: and I was sharing with her like, Okay, I've got

480
00:24:01,160 --> 00:24:03,720
Speaker 3: you know this money at ALLY, I mean at robin Hood.

481
00:24:03,840 --> 00:24:06,000
Speaker 3: But then she and my husband and I we were

482
00:24:06,040 --> 00:24:08,720
Speaker 3: having a conversation about I wanted to be to do

483
00:24:08,800 --> 00:24:12,040
Speaker 3: more conscious giving because I give now now anyway, but

484
00:24:12,119 --> 00:24:13,760
Speaker 3: like it'll kind of be like, oh, there's a cause,

485
00:24:13,760 --> 00:24:15,639
Speaker 3: here's some money. Oh there's a cause, here's some money.

486
00:24:15,720 --> 00:24:18,720
Speaker 3: But I wanted to set aside actual funds to be intentional,

487
00:24:19,080 --> 00:24:21,080
Speaker 3: and so she was like, well, one of the things

488
00:24:21,080 --> 00:24:23,760
Speaker 3: that I forget what she called it, there's a specific

489
00:24:23,800 --> 00:24:27,320
Speaker 3: type of account that I'm rolling over my you know,

490
00:24:27,520 --> 00:24:29,840
Speaker 3: like those like because I you know, I don't know

491
00:24:29,840 --> 00:24:33,320
Speaker 3: everybody's I feel like everybody's everybody's stocks have gone up.

492
00:24:33,440 --> 00:24:37,120
Speaker 3: So I'm rolling over that's those stocks into a specific

493
00:24:37,160 --> 00:24:40,399
Speaker 3: type of giving account so I can start to use

494
00:24:40,440 --> 00:24:42,080
Speaker 3: that money to give. I want to you know, I

495
00:24:42,119 --> 00:24:44,480
Speaker 3: want to give, like, you know, a significant amount of

496
00:24:44,520 --> 00:24:47,119
Speaker 3: money every year, and I want to fund that account.

497
00:24:47,119 --> 00:24:50,520
Speaker 3: So I'm using my ally stocks to fund that account.

498
00:24:50,240 --> 00:24:52,159
Speaker 1: Okay, or your robin Hood stocks you.

499
00:24:52,200 --> 00:24:54,800
Speaker 2: Mean, yeah, that's what I mean, my robin Hood jock.

500
00:24:55,520 --> 00:25:03,680
Speaker 1: How many times can she sa.

501
00:25:00,760 --> 00:25:04,399
Speaker 2: Darn you Mandrad.

502
00:25:04,640 --> 00:25:08,520
Speaker 1: So transferred you're so you can? Did you cash them out?

503
00:25:08,680 --> 00:25:11,639
Speaker 3: Was They're like, yeah, no, I'm going to ask the

504
00:25:11,720 --> 00:25:13,320
Speaker 3: name of it because she said it and I totally forgot.

505
00:25:13,400 --> 00:25:15,240
Speaker 2: But I don't actually have to do anything.

506
00:25:15,359 --> 00:25:18,120
Speaker 3: I gave her, so, yes, they're gonna roll it over

507
00:25:18,320 --> 00:25:21,280
Speaker 3: and basically dissolve them. But I don't because you know,

508
00:25:21,320 --> 00:25:23,040
Speaker 3: when you people don't realize you know, you're buying and

509
00:25:23,080 --> 00:25:25,639
Speaker 3: selling and buying and selling, you are there's capital gains

510
00:25:25,640 --> 00:25:29,520
Speaker 3: tax that you have to pay. But because I'm dissolving

511
00:25:29,520 --> 00:25:32,399
Speaker 3: them and putting them into like this this like giving account,

512
00:25:32,440 --> 00:25:33,760
Speaker 3: and I'll be giving it away by the end of

513
00:25:33,760 --> 00:25:35,760
Speaker 3: the year, then I'm not going to have to worry

514
00:25:35,760 --> 00:25:38,919
Speaker 3: about the taxes on them. I forgot the name of

515
00:25:38,960 --> 00:25:40,840
Speaker 3: the account. It was a specific type of account that

516
00:25:40,880 --> 00:25:42,200
Speaker 3: she said, and I was like, oh, okay, that sounds

517
00:25:42,240 --> 00:25:44,040
Speaker 3: good because I had I'm not gonna lie. I had

518
00:25:44,040 --> 00:25:45,439
Speaker 3: a good amount of money and there I had about

519
00:25:45,680 --> 00:25:49,919
Speaker 3: forty thousand dollars I know, which My sister is like, girl,

520
00:25:50,160 --> 00:25:52,600
Speaker 3: you're supposed to Robinhood is for play money.

521
00:25:52,680 --> 00:25:53,040
Speaker 1: The heck.

522
00:25:53,520 --> 00:25:57,040
Speaker 3: I was like, hey know, because here's what happened years

523
00:25:57,080 --> 00:25:59,520
Speaker 3: ago when it first came out. I didn't put that

524
00:25:59,600 --> 00:26:01,320
Speaker 3: much money in there. But years ago, when it first

525
00:26:01,320 --> 00:26:03,360
Speaker 3: came out, I had an affiliate link and I shared it,

526
00:26:03,600 --> 00:26:05,560
Speaker 3: and so I got all this free stock, like a

527
00:26:05,640 --> 00:26:08,040
Speaker 3: lot of free stock. So I would say probably like

528
00:26:08,119 --> 00:26:11,160
Speaker 3: I don't know, you know, at least a third, if

529
00:26:11,200 --> 00:26:13,200
Speaker 3: not half, of it was from that those that free stock.

530
00:26:13,240 --> 00:26:15,480
Speaker 3: And then you know, you know, everybody like the stock

531
00:26:15,520 --> 00:26:16,760
Speaker 3: market has been crazy.

532
00:26:16,480 --> 00:26:18,320
Speaker 2: But you know, at the end of the day, it's

533
00:26:18,359 --> 00:26:18,800
Speaker 2: gone up.

534
00:26:19,119 --> 00:26:21,160
Speaker 3: And so like, I think my return over the last

535
00:26:21,240 --> 00:26:23,199
Speaker 3: four or five years or however long you know I

536
00:26:23,240 --> 00:26:26,640
Speaker 3: had that account was like sixty something percent. So damn,

537
00:26:26,960 --> 00:26:28,320
Speaker 3: it just goes to show you. So I didn't put

538
00:26:28,359 --> 00:26:30,600
Speaker 3: I didn't put forty thousand dollars in. It grew to

539
00:26:30,680 --> 00:26:32,600
Speaker 3: forty and a lot of that was stock that I want,

540
00:26:32,600 --> 00:26:36,800
Speaker 3: that I basically earned through my affiliate link, that you bought.

541
00:26:36,920 --> 00:26:38,800
Speaker 1: It's just a really good you know, because people think

542
00:26:38,840 --> 00:26:40,920
Speaker 1: of robin Hood as Okay, I'm gonna go buy the

543
00:26:40,960 --> 00:26:45,119
Speaker 1: hot stock today, I'm gonna make money tomorrow. But you really,

544
00:26:45,160 --> 00:26:47,720
Speaker 1: like the bulk of your returns have come from stock

545
00:26:47,760 --> 00:26:49,760
Speaker 1: that you were even though you didn't buy it, like

546
00:26:49,800 --> 00:26:52,600
Speaker 1: you were given one of like years ago, a couple

547
00:26:52,600 --> 00:26:53,080
Speaker 1: of years ago.

548
00:26:53,240 --> 00:26:55,440
Speaker 2: Yeah, and when robin Hood first opened.

549
00:26:55,400 --> 00:26:57,880
Speaker 1: And grew over time, So hey, y'all have long term

550
00:26:57,880 --> 00:27:02,359
Speaker 1: investing strategy from and that's the way that I've you know,

551
00:27:02,480 --> 00:27:04,440
Speaker 1: Robinhood has been my play money account. I don't really

552
00:27:04,480 --> 00:27:06,679
Speaker 1: check it that often, but damn my shoe, my showy shares.

553
00:27:07,440 --> 00:27:11,679
Speaker 1: I'm a genius anyway. Uh but yeah for me online brokerages,

554
00:27:11,880 --> 00:27:13,520
Speaker 1: I don't think the only thing, the only way that

555
00:27:13,560 --> 00:27:15,199
Speaker 1: I think you can go wrong when it comes to

556
00:27:15,400 --> 00:27:18,399
Speaker 1: investing online is just not doing it at all and

557
00:27:18,440 --> 00:27:20,520
Speaker 1: just keeping your money parked in cash, way too much

558
00:27:20,520 --> 00:27:23,480
Speaker 1: money parked in cash, because ultimately you need to get

559
00:27:23,600 --> 00:27:27,280
Speaker 1: you want to start investing, and that's because you know,

560
00:27:27,359 --> 00:27:31,000
Speaker 1: it is really one of the few proven ways to

561
00:27:31,160 --> 00:27:35,040
Speaker 1: build wealth that is genuinely more accessible to you know,

562
00:27:35,400 --> 00:27:39,040
Speaker 1: mass mass americaa like most people. Then a lot of

563
00:27:39,040 --> 00:27:41,639
Speaker 1: people realize. And that's whether that's three or four to

564
00:27:41,680 --> 00:27:43,520
Speaker 1: one K, which a lot of people have access to

565
00:27:43,560 --> 00:27:46,720
Speaker 1: through their employer, or just yes, starting a Vanguard account

566
00:27:46,960 --> 00:27:49,920
Speaker 1: or yes if Robinhood is the is an easy thing

567
00:27:49,960 --> 00:27:52,160
Speaker 1: for you to open, or you already have a bank

568
00:27:52,160 --> 00:27:55,119
Speaker 1: account and they have an online brokerage that's commission free

569
00:27:55,240 --> 00:27:55,800
Speaker 1: or whatever.

570
00:27:56,240 --> 00:27:59,280
Speaker 3: Opening some things about sash right because you can buy

571
00:27:59,359 --> 00:28:02,280
Speaker 3: I think you can buy fractional state shares via stash. Yes,

572
00:28:02,359 --> 00:28:04,080
Speaker 3: that's like if you don't have like the whole amount

573
00:28:04,119 --> 00:28:06,520
Speaker 3: you know you can. So if you're gonna if you're

574
00:28:06,760 --> 00:28:08,760
Speaker 3: here's the thing. If you are just going to practice,

575
00:28:08,760 --> 00:28:11,680
Speaker 3: there's a great td Ameritrade has this thing called sink

576
00:28:11,840 --> 00:28:14,720
Speaker 3: or sink or swim or is it think or swim

577
00:28:14,760 --> 00:28:16,120
Speaker 3: think or swim.

578
00:28:15,680 --> 00:28:19,640
Speaker 2: Where you can actually like practice with full money. Oh

579
00:28:19,680 --> 00:28:20,080
Speaker 2: that's so.

580
00:28:20,320 --> 00:28:23,360
Speaker 1: You're just I think Helen talked about that, like the simulator.

581
00:28:24,240 --> 00:28:26,200
Speaker 3: Yes, exactly, that's the word. I'm like, I swear I

582
00:28:26,240 --> 00:28:28,800
Speaker 3: have words. So basically it's a stock simulator, so you know,

583
00:28:28,880 --> 00:28:31,840
Speaker 3: for some months you can practice there, or if you're

584
00:28:31,840 --> 00:28:33,800
Speaker 3: not trying to get all fancy like buying and trading,

585
00:28:33,800 --> 00:28:37,639
Speaker 3: buying trading, but you know, buying selling stock. Honestly, you

586
00:28:37,680 --> 00:28:40,320
Speaker 3: can choose an index fund at like a Vanguard and

587
00:28:40,360 --> 00:28:42,560
Speaker 3: say here's my fifteen hundred two hundred bucks a month,

588
00:28:42,880 --> 00:28:45,360
Speaker 3: and i'd like to you know, the index i'd like

589
00:28:45,440 --> 00:28:47,840
Speaker 3: to mirror is s and P five hundred Dow Jones

590
00:28:48,160 --> 00:28:51,680
Speaker 3: NASDAC and just do that, you know, and that's super

591
00:28:51,720 --> 00:28:53,640
Speaker 3: super simple, and you'll be better off than most people

592
00:28:53,640 --> 00:28:57,480
Speaker 3: in sidebar Mandra my bad girl. I just looked at

593
00:28:57,480 --> 00:29:01,280
Speaker 3: my thing. I opened my account, rob her account. August fifth,

594
00:29:01,280 --> 00:29:06,880
Speaker 3: twenty sixteen, girl, I'm up ninety six points sixty five percent. Yes,

595
00:29:07,840 --> 00:29:10,240
Speaker 3: So like I said, and you have to think to yourself,

596
00:29:10,680 --> 00:29:12,600
Speaker 3: more than half of that money was probably from the

597
00:29:12,600 --> 00:29:14,920
Speaker 3: free stock, just from like me sending it out, So

598
00:29:15,240 --> 00:29:17,200
Speaker 3: that's a lot. That's why it's like, yeah, my capital

599
00:29:17,240 --> 00:29:19,880
Speaker 3: games would have been tremendos. So like I said, I'm

600
00:29:19,920 --> 00:29:23,200
Speaker 3: rolling it over. It's now technically I put in twenty

601
00:29:23,240 --> 00:29:25,560
Speaker 3: thousand dollars. You know, that includes a free stock, so

602
00:29:25,680 --> 00:29:27,680
Speaker 3: right now it's at forty thousand and so yeah, I

603
00:29:27,760 --> 00:29:28,880
Speaker 3: just I want to donate.

604
00:29:28,920 --> 00:29:30,680
Speaker 2: I want to choose my husband. I want to choose

605
00:29:30,680 --> 00:29:33,120
Speaker 2: like four different organizations that we like to give them

606
00:29:33,120 --> 00:29:33,640
Speaker 2: at least.

607
00:29:33,440 --> 00:29:37,320
Speaker 1: Ten diary doves, an application for the Tiffany Foundation.

608
00:29:39,600 --> 00:29:41,840
Speaker 3: I think for me, if you know me, for me anyway,

609
00:29:41,920 --> 00:29:43,960
Speaker 3: So twenty thousand, I'm going to decide for myself and

610
00:29:44,000 --> 00:29:46,560
Speaker 3: my husband will decide twenty thousand. I think for me.

611
00:29:46,680 --> 00:29:50,479
Speaker 3: Women and kids always have my you know, like in family.

612
00:29:50,560 --> 00:29:54,520
Speaker 3: So one I already know is you know Angela Vie McKnight.

613
00:29:54,600 --> 00:29:57,560
Speaker 3: She's the assembly woman who I did the budgetiese A

614
00:29:57,600 --> 00:30:02,560
Speaker 3: law with. So she's got this amazing food pantry program

615
00:30:02,760 --> 00:30:04,760
Speaker 3: where it's not what I love about it is it's

616
00:30:04,800 --> 00:30:07,760
Speaker 3: not just that you donate to the food pantry. She

617
00:30:07,760 --> 00:30:10,720
Speaker 3: she's got this nonprofit called Angela Cares where she then

618
00:30:10,840 --> 00:30:14,160
Speaker 3: also takes food to the elderly people, because just because

619
00:30:14,200 --> 00:30:16,240
Speaker 3: you have food at the food pantry, everyone can't make

620
00:30:16,240 --> 00:30:19,840
Speaker 3: it there, especially the elderly. So she has this amazing

621
00:30:19,920 --> 00:30:24,120
Speaker 3: program where she you know, collects the money, buys the food,

622
00:30:24,240 --> 00:30:27,920
Speaker 3: and then dispenses it by going to different households and

623
00:30:28,000 --> 00:30:31,640
Speaker 3: dropping it all. So she's definitely getting you know, like

624
00:30:31,720 --> 00:30:35,080
Speaker 3: one quarter of that. And there's a there's a homeless

625
00:30:35,120 --> 00:30:37,720
Speaker 3: shelter in newer called the Covenant House. Well it's not

626
00:30:37,720 --> 00:30:39,880
Speaker 3: only a homo shelter, it's more like a it's a

627
00:30:39,960 --> 00:30:40,880
Speaker 3: shelter for teens.

628
00:30:41,520 --> 00:30:45,600
Speaker 1: They're all over, but yeah, it's like at risk youth.

629
00:30:46,280 --> 00:30:47,960
Speaker 2: Yes that's what I'm saying. So it's not really a hombies.

630
00:30:48,080 --> 00:30:50,480
Speaker 3: So but I just like and I've spoken there before

631
00:30:50,480 --> 00:30:52,760
Speaker 3: and donated like my time there before, and just they

632
00:30:52,800 --> 00:30:53,760
Speaker 3: just do really great work.

633
00:30:53,960 --> 00:30:55,080
Speaker 2: So those are the two.

634
00:30:54,960 --> 00:30:57,120
Speaker 3: Places that I'm I'm wanting to put my money toward.

635
00:30:57,160 --> 00:30:58,520
Speaker 3: And then Superman is going to.

636
00:30:58,520 --> 00:31:00,480
Speaker 2: Decide like what he like the two places that he'd

637
00:31:00,520 --> 00:31:03,040
Speaker 2: like to. So, yeah, so no need to send me

638
00:31:03,080 --> 00:31:03,920
Speaker 2: your application.

639
00:31:05,880 --> 00:31:09,280
Speaker 1: Well that's no, that's amazing. And I mean five years

640
00:31:09,720 --> 00:31:13,040
Speaker 1: and very little. I mean, obviously you had the supercharge

641
00:31:13,480 --> 00:31:17,360
Speaker 1: capital from the from the affiliate links. But still, I think,

642
00:31:17,880 --> 00:31:20,040
Speaker 1: you know, if you have patience, you don't have to

643
00:31:20,080 --> 00:31:22,360
Speaker 1: be an investing genius. You just have to start now.

644
00:31:22,600 --> 00:31:25,320
Speaker 1: And you know, don't think that you've missed the boat.

645
00:31:25,680 --> 00:31:28,200
Speaker 1: Just get on it, you know, but just remember when

646
00:31:28,200 --> 00:31:30,960
Speaker 1: it comes to the way that these apps work. You know,

647
00:31:31,000 --> 00:31:34,000
Speaker 1: if you're really going to be picking stocks personally, Mandy

648
00:31:34,000 --> 00:31:38,640
Speaker 1: Woodruff would save you know, extra money for that type

649
00:31:38,680 --> 00:31:41,600
Speaker 1: of investment. And then I'm a very boring investor. And

650
00:31:41,840 --> 00:31:45,360
Speaker 1: I actually read an interesting there's a there's a person

651
00:31:45,400 --> 00:31:47,040
Speaker 1: who has a book coming out. I forget his name.

652
00:31:47,640 --> 00:31:50,880
Speaker 1: They had him on the Bodega Boys show recently. Oh,

653
00:31:50,960 --> 00:31:53,840
Speaker 1: Josh Brown. Josh Brown. He's a wealth manager. I forget

654
00:31:53,880 --> 00:31:56,640
Speaker 1: what Ritz Holt's management or something like that. He's pretty

655
00:31:56,640 --> 00:31:59,680
Speaker 1: big in finance. And he was talking about how, you know,

656
00:31:59,720 --> 00:32:01,560
Speaker 1: and the research for his book. He was like, I

657
00:32:01,560 --> 00:32:04,520
Speaker 1: want to interview financial planners who are actually helping the

658
00:32:04,520 --> 00:32:07,320
Speaker 1: billionaires invest their money about how they invest their money.

659
00:32:07,600 --> 00:32:10,360
Speaker 1: And what he's found and personally for himself too, is

660
00:32:10,440 --> 00:32:12,800
Speaker 1: like people who know how to invest money do it

661
00:32:12,840 --> 00:32:16,480
Speaker 1: the boring old way. Index funds, ETFs, like it is,

662
00:32:16,680 --> 00:32:20,320
Speaker 1: pick an index, you know, dollar cost averaging, which is

663
00:32:20,320 --> 00:32:22,239
Speaker 1: just a fancy way of saying, like Tiffany said, put

664
00:32:22,320 --> 00:32:25,280
Speaker 1: some money in there every month a set amount, which

665
00:32:25,280 --> 00:32:28,760
Speaker 1: is I have I have automatic payments to my one

666
00:32:28,760 --> 00:32:30,680
Speaker 1: of my brokerages accounts. I also have a Vanguard, so

667
00:32:30,680 --> 00:32:33,479
Speaker 1: I have auto payments to a fund there and you know,

668
00:32:33,560 --> 00:32:36,840
Speaker 1: auto to my ally invest account and that for me,

669
00:32:36,880 --> 00:32:38,600
Speaker 1: it's like take myself out of the equation and just

670
00:32:38,640 --> 00:32:42,320
Speaker 1: do it the old vanilla traditional way because that's really

671
00:32:42,800 --> 00:32:47,400
Speaker 1: you know, that's that for me personally, that is that

672
00:32:47,520 --> 00:32:49,400
Speaker 1: is the strategy and for a lot of people. Research

673
00:32:49,480 --> 00:32:52,680
Speaker 1: she has has promoted or not promoted, but has shown

674
00:32:52,680 --> 00:32:55,840
Speaker 1: that that is probably gonna work for most people. Yeah,

675
00:32:57,760 --> 00:32:59,440
Speaker 1: great question. And if you I feel like I need

676
00:32:59,480 --> 00:33:01,560
Speaker 1: to know what are the hot new I have, Stash

677
00:33:01,640 --> 00:33:04,200
Speaker 1: is new er, and then you have like your betterments,

678
00:33:04,240 --> 00:33:09,280
Speaker 1: your acorns, your your wealth fronts. I mean they're all

679
00:33:09,320 --> 00:33:12,440
Speaker 1: pretty similar. But ultimately what you want to do is,

680
00:33:12,720 --> 00:33:15,480
Speaker 1: you know, look at how much work is going to

681
00:33:15,480 --> 00:33:18,680
Speaker 1: be needed on your part, and you know what kind

682
00:33:18,680 --> 00:33:21,800
Speaker 1: of what kind of risks you're you're willing to take

683
00:33:21,840 --> 00:33:23,960
Speaker 1: on with these types of apps, and and also are

684
00:33:24,000 --> 00:33:25,440
Speaker 1: you ready for that step yet or do you need

685
00:33:25,440 --> 00:33:28,680
Speaker 1: to back up a couple and payoff debt, save a little,

686
00:33:29,000 --> 00:33:31,320
Speaker 1: or you know, start with your four one K because

687
00:33:31,320 --> 00:33:36,440
Speaker 1: you have a company match or something like that. All right, Kayla,

688
00:33:36,520 --> 00:33:38,400
Speaker 1: that was probably way more than you bargained for, but

689
00:33:39,440 --> 00:33:42,280
Speaker 1: good question. All right, Let's take one more. And this

690
00:33:42,480 --> 00:33:46,600
Speaker 1: comes from Instagram. This is Carrie Carrie from Delaware. She

691
00:33:46,600 --> 00:33:49,440
Speaker 1: says she's twenty one and currently a senior in college

692
00:33:49,440 --> 00:33:52,360
Speaker 1: getting ready to graduate. This may, oh great, I know

693
00:33:52,400 --> 00:33:56,240
Speaker 1: exactly how you feel because I too graduated into a

694
00:33:56,600 --> 00:33:59,560
Speaker 1: plunging economy. But you'll be all right, yes, and her

695
00:33:59,600 --> 00:34:02,120
Speaker 1: next tenses, I have the beautiful privilege of entering the

696
00:34:02,200 --> 00:34:05,200
Speaker 1: workforce during a print during a pandemic. I lost both

697
00:34:05,240 --> 00:34:07,120
Speaker 1: of my jobs at the beginning of the pandemic, and

698
00:34:07,160 --> 00:34:10,120
Speaker 1: I've had to rely on unemployment assistance during that time.

699
00:34:10,160 --> 00:34:12,080
Speaker 1: It was extremely hard and I don't ever want to

700
00:34:12,120 --> 00:34:15,719
Speaker 1: be in that position again. I recently discovered your podcast

701
00:34:15,920 --> 00:34:18,319
Speaker 1: and I want to do several things all at once,

702
00:34:18,360 --> 00:34:20,760
Speaker 1: but I want to figure out what I should focus

703
00:34:20,800 --> 00:34:23,520
Speaker 1: on first. I think I want to open a life

704
00:34:23,520 --> 00:34:26,960
Speaker 1: insurance policy. I want to start saving for retirement retirement.

705
00:34:27,280 --> 00:34:30,280
Speaker 1: I want to start a regular savings account, maybe invest

706
00:34:30,320 --> 00:34:33,200
Speaker 1: in stocks, and pay off my student loans. But I know,

707
00:34:33,320 --> 00:34:36,160
Speaker 1: being fresh out of college, that's a lot. Do you

708
00:34:36,200 --> 00:34:39,520
Speaker 1: guys have any advice on which one I should tackle first,

709
00:34:39,760 --> 00:34:42,000
Speaker 1: or any books I should check out to further research

710
00:34:42,160 --> 00:34:46,719
Speaker 1: educate myself about obtaining financial knowledge. I can think of

711
00:34:46,719 --> 00:34:47,240
Speaker 1: one book.

712
00:34:48,520 --> 00:34:54,240
Speaker 2: Yes, there is one called Get Good with Money, available

713
00:34:54,239 --> 00:34:55,879
Speaker 2: at get goodmoney dot com for pre order.

714
00:34:56,320 --> 00:34:58,360
Speaker 3: I mean it's written by this girl named Tiffany the

715
00:34:58,680 --> 00:35:02,759
Speaker 3: Budget Least that so, okay.

716
00:35:04,200 --> 00:35:06,000
Speaker 2: Put a bee on the capitol be on budget?

717
00:35:06,080 --> 00:35:09,399
Speaker 3: Yeah, no, no, I this is actually a really good

718
00:35:09,480 --> 00:35:13,239
Speaker 3: question because it does seem like a lot. It's like,

719
00:35:13,480 --> 00:35:14,840
Speaker 3: I want to do all the things, but what do

720
00:35:14,880 --> 00:35:16,399
Speaker 3: you start with first. It's like when you first start

721
00:35:16,400 --> 00:35:18,560
Speaker 3: cooking and you're like, what do I start cooking first?

722
00:35:18,560 --> 00:35:20,160
Speaker 3: Because you want everything to kind of be done around

723
00:35:20,200 --> 00:35:22,759
Speaker 3: the same time, Like, you know, do I put the

724
00:35:22,760 --> 00:35:24,719
Speaker 3: turkey in the oven first? If I start making this

725
00:35:24,719 --> 00:35:26,400
Speaker 3: stuff in too early, it's going to be cold by

726
00:35:26,560 --> 00:35:28,000
Speaker 3: by the time the rest.

727
00:35:27,840 --> 00:35:28,640
Speaker 2: Of the food is done.

728
00:35:30,920 --> 00:35:33,719
Speaker 3: I like to start with like the basics, Like I

729
00:35:33,880 --> 00:35:36,759
Speaker 3: like to start with what I call the financial fundamentals

730
00:35:36,760 --> 00:35:38,279
Speaker 3: to kind of get like a baseline of where I

731
00:35:38,280 --> 00:35:41,160
Speaker 3: am before I start jumping into fancy stuff like let

732
00:35:41,200 --> 00:35:43,000
Speaker 3: me get my budget in order, let me get like

733
00:35:43,040 --> 00:35:46,040
Speaker 3: this kind of saving plan in place. You know, how's

734
00:35:46,080 --> 00:35:48,840
Speaker 3: my credit score looking. You don't need to do anything

735
00:35:48,880 --> 00:35:50,719
Speaker 3: special other than if you pay your bills on time,

736
00:35:50,800 --> 00:35:52,600
Speaker 3: your your credit score for the most part, will start

737
00:35:52,600 --> 00:35:55,799
Speaker 3: to raise. And you know there, you know, you can

738
00:35:55,840 --> 00:35:58,080
Speaker 3: certainly take a look at your debt to see where

739
00:35:58,120 --> 00:35:58,680
Speaker 3: you stand.

740
00:35:59,160 --> 00:36:01,360
Speaker 2: But a lot of people wait.

741
00:36:01,520 --> 00:36:05,480
Speaker 3: And I've seen folks wait to start putting aside and

742
00:36:05,560 --> 00:36:08,200
Speaker 3: investing money for retirement.

743
00:36:08,480 --> 00:36:11,200
Speaker 2: And to me, that's a big mistake, huge mistake.

744
00:36:11,760 --> 00:36:13,560
Speaker 3: I saw me the other day, Mandy, and it was like,

745
00:36:14,239 --> 00:36:17,520
Speaker 3: if you could tell your eighteen year old self just

746
00:36:17,560 --> 00:36:19,680
Speaker 3: three words, like you know, you travel back in time,

747
00:36:19,920 --> 00:36:21,839
Speaker 3: You're like, oh my god, okay, I just came.

748
00:36:21,920 --> 00:36:23,480
Speaker 2: It's me from the future. You know, it's me. Look

749
00:36:23,520 --> 00:36:23,640
Speaker 2: at it.

750
00:36:23,719 --> 00:36:25,839
Speaker 3: We look at like I have an age one bid

751
00:36:27,120 --> 00:36:28,920
Speaker 3: I have three words for you. Obviously, that's a lot

752
00:36:28,920 --> 00:36:31,720
Speaker 3: more than three words. But whatever, I have three words

753
00:36:31,760 --> 00:36:34,520
Speaker 3: for you, what would they be for me? They would

754
00:36:34,520 --> 00:36:40,800
Speaker 3: be learn to invest. I wish I'd started earlier, because

755
00:36:41,640 --> 00:36:45,759
Speaker 3: you know, just there's nothing more powerful than time when

756
00:36:45,760 --> 00:36:49,000
Speaker 3: it comes to investing. And people say saved for retirement,

757
00:36:49,040 --> 00:36:51,800
Speaker 3: but you're not really saving for retirement. You're really investing

758
00:36:51,840 --> 00:36:55,239
Speaker 3: for retirement. But once you get your financial foundation kind

759
00:36:55,239 --> 00:36:58,080
Speaker 3: of like in place like where do I stand really

760
00:36:58,200 --> 00:37:02,359
Speaker 3: leaning into setting aside investing money in retirement is where

761
00:37:02,400 --> 00:37:05,360
Speaker 3: where I put most of my energy beyond the financial

762
00:37:05,360 --> 00:37:07,000
Speaker 3: foundation stuff.

763
00:37:07,440 --> 00:37:10,879
Speaker 1: Yeah, I love that, and I agree in the sense

764
00:37:10,920 --> 00:37:14,240
Speaker 1: that twenty one is not too young to start investing.

765
00:37:14,400 --> 00:37:16,359
Speaker 1: You know, I think, I mean, there's kids, you have

766
00:37:16,600 --> 00:37:19,120
Speaker 1: little custodial accounts and they're investing. I mean, I think

767
00:37:19,120 --> 00:37:21,040
Speaker 1: I shared that story last week about the little boy

768
00:37:21,040 --> 00:37:23,680
Speaker 1: who was ten and his mom bought him sixty shares

769
00:37:23,680 --> 00:37:26,799
Speaker 1: of game stock, game stop stock or something like that,

770
00:37:26,920 --> 00:37:29,480
Speaker 1: and you know, he made three thousand dollars at age ten.

771
00:37:29,760 --> 00:37:32,480
Speaker 1: That's beautiful. And imagine if he and he and he

772
00:37:32,560 --> 00:37:35,319
Speaker 1: took that money and he you know, reinvested in others.

773
00:37:35,320 --> 00:37:36,640
Speaker 1: So who knows where he's going to be in another

774
00:37:36,880 --> 00:37:39,200
Speaker 1: ten years when he's twenty all of twenty years old.

775
00:37:39,520 --> 00:37:41,640
Speaker 1: So yeah, I would say even if you have I know,

776
00:37:41,680 --> 00:37:44,000
Speaker 1: you said that you've lost your job, but you're also

777
00:37:44,239 --> 00:37:45,680
Speaker 1: I think, being a student, you're in a bit of

778
00:37:45,680 --> 00:37:48,279
Speaker 1: a honeymoon phase. You know, even if let's say the

779
00:37:48,320 --> 00:37:51,399
Speaker 1: pandemic wasn't here. You know, you have a grace period

780
00:37:51,440 --> 00:37:53,640
Speaker 1: before your student loans are going to be due, and

781
00:37:53,840 --> 00:37:56,440
Speaker 1: you will find a job. I hope you will. Well, okay,

782
00:37:56,640 --> 00:37:58,759
Speaker 1: I really hope you'll find a job. It's you sound

783
00:37:58,800 --> 00:38:01,200
Speaker 1: super smart. I can't imagine why you wouldn't get a job.

784
00:38:01,640 --> 00:38:04,000
Speaker 1: You will. When you find your first job, you will

785
00:38:04,040 --> 00:38:07,399
Speaker 1: pay attention like I did not do, where the four

786
00:38:07,440 --> 00:38:09,600
Speaker 1: to one K is and how you can sign up

787
00:38:09,640 --> 00:38:11,680
Speaker 1: for it, or you know, just based on the fact

788
00:38:11,680 --> 00:38:14,080
Speaker 1: that you're listening to Brown Ambition, you'll know that you

789
00:38:14,080 --> 00:38:16,480
Speaker 1: can open up a brokerage account, you know, through a

790
00:38:16,560 --> 00:38:20,399
Speaker 1: Vanguard or you know, through any other platform and get

791
00:38:20,400 --> 00:38:24,040
Speaker 1: your excuse me, get your IRA if you don't have

792
00:38:24,080 --> 00:38:25,799
Speaker 1: access to a four oh one K, and you can

793
00:38:25,800 --> 00:38:28,200
Speaker 1: start automatically when you get your first paycheck or when

794
00:38:28,200 --> 00:38:30,920
Speaker 1: you get your you know, start getting money from side

795
00:38:30,960 --> 00:38:33,400
Speaker 1: hustles or whatnot. You can start contributing to that, and

796
00:38:33,440 --> 00:38:34,799
Speaker 1: you can do it at the same time. You know

797
00:38:34,880 --> 00:38:37,040
Speaker 1: you can you can invest a little maybe it's a

798
00:38:37,040 --> 00:38:39,319
Speaker 1: little now, and then you're also at the same time

799
00:38:39,719 --> 00:38:41,919
Speaker 1: taking a share of that and putting it into your

800
00:38:42,000 --> 00:38:45,440
Speaker 1: savings fund so that you, yes, your actual savings fund.

801
00:38:45,480 --> 00:38:48,640
Speaker 1: You know the money that you're going to need if you,

802
00:38:48,640 --> 00:38:50,080
Speaker 1: you know, get a flat tire on the way to

803
00:38:50,120 --> 00:38:52,799
Speaker 1: work one day, or you lose a job, you need

804
00:38:52,840 --> 00:38:55,239
Speaker 1: to cover rent for one month while you, you know,

805
00:38:55,239 --> 00:38:57,279
Speaker 1: look for another one. You do want to have some

806
00:38:57,360 --> 00:38:58,839
Speaker 1: money because you don't want to get into the debt

807
00:38:58,920 --> 00:39:03,440
Speaker 1: trap too or And I fell for this, thankfully, not

808
00:39:03,640 --> 00:39:05,799
Speaker 1: to an intense degree, but I did have a couple

809
00:39:05,880 --> 00:39:08,760
Speaker 1: thousand dollars worth of credit card debt when I graduated

810
00:39:08,840 --> 00:39:11,560
Speaker 1: college for no good reason, like literally, I had no

811
00:39:11,640 --> 00:39:13,440
Speaker 1: reason to. I just wanted to go to Boston for

812
00:39:13,440 --> 00:39:16,319
Speaker 1: New Year's Eve, okay, and they upped my credit limit

813
00:39:16,360 --> 00:39:18,360
Speaker 1: and I was like, cool, I will spend all of

814
00:39:18,360 --> 00:39:21,240
Speaker 1: that right now. And that was not the wisest decision.

815
00:39:21,800 --> 00:39:24,600
Speaker 1: But yeah, if you just focus on not taking on

816
00:39:24,680 --> 00:39:28,040
Speaker 1: debt and building up your savings, you can do those

817
00:39:28,080 --> 00:39:30,040
Speaker 1: two things at one time. You know, start investing and

818
00:39:30,040 --> 00:39:34,080
Speaker 1: then also saving, and it's okay to be a financial multitasker.

819
00:39:34,480 --> 00:39:37,280
Speaker 1: Just don't. Yeah, And for me, it's just more about

820
00:39:37,360 --> 00:39:39,640
Speaker 1: it's about what happens if you don't start, like Tiffany said,

821
00:39:39,680 --> 00:39:43,560
Speaker 1: and also not not being hard on yourself. If you're

822
00:39:43,600 --> 00:39:46,480
Speaker 1: not instantly, it's going to take time to season. You know,

823
00:39:46,560 --> 00:39:48,960
Speaker 1: think of it like a really good long I don't

824
00:39:49,000 --> 00:39:52,640
Speaker 1: know Turkey's take forever, but imagine like, yeah, you need long,

825
00:39:52,719 --> 00:39:54,640
Speaker 1: long time for that money to season in the stock

826
00:39:54,680 --> 00:39:57,879
Speaker 1: market and set it forget it, and in ten years

827
00:39:57,960 --> 00:40:02,440
Speaker 1: you will be so happy that you did. Yeah, I'm excited.

828
00:40:03,120 --> 00:40:04,520
Speaker 1: I love that you have a fresh start.

829
00:40:05,440 --> 00:40:08,759
Speaker 3: Yes, And honestly, yeah, you're in a great place to

830
00:40:08,800 --> 00:40:11,759
Speaker 3: even be asking yourself these questions because some people, you know,

831
00:40:11,840 --> 00:40:13,120
Speaker 3: if they put it off, and they put it off

832
00:40:13,160 --> 00:40:15,239
Speaker 3: and it happens, you know, certainly I did, And it

833
00:40:15,280 --> 00:40:17,600
Speaker 3: doesn't mean you won't. It won't turn out well for you.

834
00:40:17,680 --> 00:40:19,480
Speaker 3: But the sooner you can start, the better.

835
00:40:19,960 --> 00:40:24,480
Speaker 1: Amen, And definitely find someone in your friend circle who's

836
00:40:24,520 --> 00:40:26,239
Speaker 1: on the same path you are, and then you guys

837
00:40:26,239 --> 00:40:29,040
Speaker 1: can swap notes. I've always had a friend in my

838
00:40:29,120 --> 00:40:31,600
Speaker 1: life who listens to the show, Hey Baron, and he

839
00:40:31,680 --> 00:40:33,560
Speaker 1: and I have always just we had an agreement when

840
00:40:33,560 --> 00:40:35,360
Speaker 1: we graduated and moved to New York. I'm going to

841
00:40:35,440 --> 00:40:36,719
Speaker 1: tell you what I make. You're gonna tell me what

842
00:40:36,760 --> 00:40:38,480
Speaker 1: you make. We're going to share that kind of information.

843
00:40:38,560 --> 00:40:40,239
Speaker 1: We're going to talk about our savings, goals, We're going

844
00:40:40,280 --> 00:40:42,680
Speaker 1: to talk about you know, it goes to what Tiffany

845
00:40:42,719 --> 00:40:45,600
Speaker 1: was saying earlier about putting voice to fear and to shame.

846
00:40:45,719 --> 00:40:48,640
Speaker 1: And I don't know it just it always felt good

847
00:40:49,120 --> 00:40:51,560
Speaker 1: that he and I could hop on the phone and

848
00:40:51,600 --> 00:40:54,799
Speaker 1: talk through you know, a tricky negotiation or you know,

849
00:40:54,920 --> 00:40:57,920
Speaker 1: whatever was happening as we as we made our plans.

850
00:40:58,000 --> 00:41:00,720
Speaker 1: And if you haven't found some want like a buddy

851
00:41:00,840 --> 00:41:03,000
Speaker 1: to share those types of things with, that'll that'll go

852
00:41:03,239 --> 00:41:05,319
Speaker 1: a long way too toward keeping you on track.

853
00:41:05,800 --> 00:41:08,960
Speaker 2: And that, my dear, is advice sounds.

854
00:41:09,040 --> 00:41:12,960
Speaker 1: Those are all the answers. You're welcome. You are very welcome.

855
00:41:13,560 --> 00:41:18,440
Speaker 1: Sweet All right, man, one last segment before we part.

856
00:41:18,880 --> 00:41:20,600
Speaker 1: Are you boosting or are you breaking?

857
00:41:22,160 --> 00:41:29,160
Speaker 3: Oh child, I I think I'm going to break.

858
00:41:30,120 --> 00:41:32,359
Speaker 1: Okay, go get it off your chest.

859
00:41:32,960 --> 00:41:33,920
Speaker 2: It's a stay and space.

860
00:41:34,080 --> 00:41:35,719
Speaker 1: It's okay, we created this.

861
00:41:37,000 --> 00:41:38,160
Speaker 2: I'm tired being home.

862
00:41:38,520 --> 00:41:41,560
Speaker 3: Okay, me someone who loves being of y'all know me.

863
00:41:41,760 --> 00:41:44,360
Speaker 3: I love me some home, any home, home home. I

864
00:41:44,360 --> 00:41:46,600
Speaker 3: don't like to go out, you know, I've got friends.

865
00:41:46,600 --> 00:41:49,160
Speaker 3: I'm like, come here, you know, I'm all I'm miss

866
00:41:49,200 --> 00:41:50,160
Speaker 3: who's all over there?

867
00:41:50,280 --> 00:41:50,480
Speaker 2: You know.

868
00:41:51,160 --> 00:41:55,640
Speaker 3: But finally I'm sick of my own self. And honestly,

869
00:41:55,880 --> 00:41:58,160
Speaker 3: I kind of hit a wall. I literally put my

870
00:41:58,200 --> 00:42:00,759
Speaker 3: mask on this weekend, and I on Sunday, I just

871
00:42:00,800 --> 00:42:04,359
Speaker 3: went to Target just to walk, just because you know, Target.

872
00:42:04,120 --> 00:42:06,600
Speaker 2: Is my happy place. I literally went.

873
00:42:06,680 --> 00:42:09,520
Speaker 3: I took my children's book Happy Birthday Mollymore with me

874
00:42:09,560 --> 00:42:11,279
Speaker 3: and I may or may not have put it on

875
00:42:11,360 --> 00:42:14,719
Speaker 3: the children's book wall at Target and took pictures like

876
00:42:14,800 --> 00:42:15,799
Speaker 3: you know, it belonged there.

877
00:42:15,800 --> 00:42:17,040
Speaker 1: It was like wait, and.

878
00:42:17,000 --> 00:42:20,560
Speaker 2: As kids walking, did you leave it there? I do that.

879
00:42:21,080 --> 00:42:22,680
Speaker 2: I always do that, like place.

880
00:42:22,840 --> 00:42:25,000
Speaker 3: I'm like all my books I have put them on

881
00:42:25,040 --> 00:42:26,960
Speaker 3: the walk because I'm like one day, you know, it's

882
00:42:27,000 --> 00:42:27,640
Speaker 3: so crazy.

883
00:42:27,960 --> 00:42:29,120
Speaker 2: This is just a funny story.

884
00:42:29,200 --> 00:42:33,239
Speaker 3: But I when my first book, When week Budget, came out,

885
00:42:33,880 --> 00:42:36,240
Speaker 3: I did a whole photo shoot at Barnes and Nobles.

886
00:42:36,280 --> 00:42:38,480
Speaker 3: I didn't know you couldn't. So we went to the bathroom.

887
00:42:38,520 --> 00:42:40,680
Speaker 3: I got dressed. My friend Lauren, who's a makeup artist,

888
00:42:40,719 --> 00:42:44,360
Speaker 3: did my makeup. My friend Ricky, who's who's a budding photographer.

889
00:42:44,360 --> 00:42:45,400
Speaker 3: He was like, you know, I want to you know,

890
00:42:45,400 --> 00:42:47,200
Speaker 3: I've got this new camera. I want to practice. Do

891
00:42:47,239 --> 00:42:49,560
Speaker 3: you have pictures? That's a no, he was. This is

892
00:42:49,680 --> 00:42:52,719
Speaker 3: literally probably like eleven years ago. And he was like,

893
00:42:52,800 --> 00:42:55,080
Speaker 3: you know, well, let's take pictures at Barnes and Nobles.

894
00:42:55,120 --> 00:42:57,319
Speaker 3: And I was like, okay, I'll wake my book put

895
00:42:57,400 --> 00:42:59,600
Speaker 3: a bunch of them on the shelves. Literally in my

896
00:42:59,640 --> 00:43:03,040
Speaker 3: Sunday Best Mandy, I am standing from the shelf in

897
00:43:03,040 --> 00:43:07,200
Speaker 3: front of the personal finance sign taking pictures and then

898
00:43:07,239 --> 00:43:08,839
Speaker 3: the manager comes over says you can't do that.

899
00:43:08,880 --> 00:43:09,640
Speaker 2: I was like, wait what?

900
00:43:11,880 --> 00:43:14,760
Speaker 3: And so literally I give Ricky to look like keep

901
00:43:14,920 --> 00:43:15,800
Speaker 3: taking pictures.

902
00:43:15,800 --> 00:43:18,239
Speaker 2: I was like, I can't smile. Should I leave?

903
00:43:18,320 --> 00:43:21,439
Speaker 3: Smile? You don't say hand up when I tell you though,

904
00:43:21,480 --> 00:43:25,719
Speaker 3: those pictures are fine. And so when my actual when

905
00:43:25,760 --> 00:43:29,800
Speaker 3: my book, because like my other books have been self published,

906
00:43:29,800 --> 00:43:31,280
Speaker 3: so you know they don't go in Barnes and No books.

907
00:43:32,000 --> 00:43:34,240
Speaker 3: So when Geking with Money comes out and is actually

908
00:43:34,239 --> 00:43:36,600
Speaker 3: on the Barnes and Noble shelf. I'm gonna do how

909
00:43:36,640 --> 00:43:40,480
Speaker 3: it started, how it's going because it will actually be

910
00:43:40,560 --> 00:43:43,960
Speaker 3: there legally and for real, and I won't have to

911
00:43:44,000 --> 00:43:45,839
Speaker 3: just put it on the shelf anymore. So it's gonna

912
00:43:45,880 --> 00:43:48,440
Speaker 3: be like so crazy to see. Like Tiffany, I had

913
00:43:48,480 --> 00:43:51,960
Speaker 3: literally baby locks. They were like these little one interlocks,

914
00:43:51,960 --> 00:43:53,680
Speaker 3: and you know, like I said in my Sunday's Best

915
00:43:53,680 --> 00:43:55,920
Speaker 3: Standing next to my book, and you just know, behind

916
00:43:55,920 --> 00:43:57,920
Speaker 3: the scenes, there's a manager there telling me that.

917
00:43:58,000 --> 00:44:02,040
Speaker 1: Get out, that's break boo.

918
00:44:02,480 --> 00:44:05,000
Speaker 2: Yeah, exactly. Well, honestly, it's just I'm just tired.

919
00:44:05,000 --> 00:44:06,880
Speaker 3: And if you feel that way too, I'm sure that

920
00:44:06,960 --> 00:44:09,439
Speaker 3: it's just I'm not gonna lie. I don't I don't

921
00:44:09,440 --> 00:44:10,759
Speaker 3: know what to do. I don't know where to go.

922
00:44:11,080 --> 00:44:13,280
Speaker 3: I don't you know, I'm not gonna go on vacation.

923
00:44:14,000 --> 00:44:17,719
Speaker 3: The snow is three feet high, almost four feet high

924
00:44:17,719 --> 00:44:20,000
Speaker 3: here in some places. Usually I try, I try to

925
00:44:20,000 --> 00:44:22,000
Speaker 3: take a daily walk outside, and I can't do that

926
00:44:22,040 --> 00:44:25,080
Speaker 3: necessarily because it's just too it's just too snowy outside.

927
00:44:25,120 --> 00:44:27,480
Speaker 3: Everybody hasn't shovel, so it's been a little bit of

928
00:44:28,239 --> 00:44:30,680
Speaker 3: I guess I'm a little like what is that? Cabin

929
00:44:30,760 --> 00:44:34,719
Speaker 3: fever is what I'm feeling that. Oh my gosh, I

930
00:44:34,760 --> 00:44:36,279
Speaker 3: was on the treadmill today. I mean, I did you

931
00:44:36,280 --> 00:44:38,239
Speaker 3: know it was. The treadmill is great, but it's just,

932
00:44:39,160 --> 00:44:41,560
Speaker 3: you know, I'm barred. I needed I need a break.

933
00:44:41,560 --> 00:44:43,279
Speaker 3: I need to stretch my legs, go outside. I did

934
00:44:43,320 --> 00:44:43,920
Speaker 3: to see people.

935
00:44:44,120 --> 00:44:46,319
Speaker 1: Yeah, I need. I think we all need to see

936
00:44:46,360 --> 00:44:48,759
Speaker 1: some sparkle. Like the word sparkle is coming to me.

937
00:44:48,800 --> 00:44:52,200
Speaker 1: I'm just like I want some sparkle. Yes, So life

938
00:44:52,239 --> 00:44:54,640
Speaker 1: doesn't have much sparkle these days, that's for sure. We

939
00:44:54,680 --> 00:44:56,600
Speaker 1: have to or we have to work hard to create

940
00:44:56,640 --> 00:44:59,279
Speaker 1: the sparkle in a different way. I feel you. I

941
00:44:59,320 --> 00:45:00,719
Speaker 1: feel you. At the same time, I'm like, yeah, I

942
00:45:00,760 --> 00:45:04,399
Speaker 1: don't go anywhere, just just be. You know, targets cool,

943
00:45:04,400 --> 00:45:05,680
Speaker 1: but like you know, I like to go at nine

944
00:45:05,800 --> 00:45:07,799
Speaker 1: thirty before they close, like an hour and a half

945
00:45:07,800 --> 00:45:10,440
Speaker 1: before they close. It's all quiet, and you know, not

946
00:45:10,480 --> 00:45:13,480
Speaker 1: the many people. But I feel you. I'm gonna do

947
00:45:14,239 --> 00:45:17,360
Speaker 1: I'm gonna do a boost. I can't not boost my

948
00:45:18,239 --> 00:45:22,399
Speaker 1: my my cousin Anna, who moved here, left her life

949
00:45:22,400 --> 00:45:26,480
Speaker 1: in Georgia, and I used to babysit Anna and she

950
00:45:26,480 --> 00:45:29,000
Speaker 1: she was my I just love her so much. She

951
00:45:29,040 --> 00:45:31,000
Speaker 1: was she was one of my bridesmaids, Tiffany, if you remember,

952
00:45:31,040 --> 00:45:34,160
Speaker 1: she was with a baby, and I used to babysit

953
00:45:34,200 --> 00:45:36,200
Speaker 1: her when I graduated college and I did my whole

954
00:45:36,200 --> 00:45:38,960
Speaker 1: traveling thing and I came home broke af and I

955
00:45:39,000 --> 00:45:42,120
Speaker 1: lived in her family in my uncle's basement, and in

956
00:45:42,160 --> 00:45:44,799
Speaker 1: exchange for free lodging, I would be a babysitter for

957
00:45:44,880 --> 00:45:49,480
Speaker 1: their for Anna and her sister and brother. And Anna

958
00:45:49,600 --> 00:45:51,840
Speaker 1: is like in her early twenties now and feeling a

959
00:45:51,840 --> 00:45:54,600
Speaker 1: little bit stuck too with kind of where she's going

960
00:45:54,680 --> 00:45:57,959
Speaker 1: getting her career off to you know, a strong start

961
00:45:58,000 --> 00:46:00,120
Speaker 1: and all of that. So I was like, listen, I

962
00:46:00,120 --> 00:46:02,560
Speaker 1: feel like we could mutually benefit from a certain arrangement.

963
00:46:02,640 --> 00:46:05,839
Speaker 1: So you're gonna come live here and it's gonna be great,

964
00:46:05,880 --> 00:46:07,719
Speaker 1: and you're gonna help take care of the baby when

965
00:46:07,760 --> 00:46:12,280
Speaker 1: I start this new job. And she has been just amazing.

966
00:46:12,280 --> 00:46:14,759
Speaker 1: I didn't realize how much I missed. Just it's just

967
00:46:14,760 --> 00:46:17,120
Speaker 1: different when you have family, like just someone that knows

968
00:46:17,160 --> 00:46:20,759
Speaker 1: me that I've known her her whole life, and it's

969
00:46:20,840 --> 00:46:23,839
Speaker 1: just she's great with the baby. And I've been in

970
00:46:23,840 --> 00:46:27,000
Speaker 1: this basement in my Zenden all day almost and Anna

971
00:46:27,080 --> 00:46:29,479
Speaker 1: has just been holding it down up there with Rio,

972
00:46:29,600 --> 00:46:32,839
Speaker 1: and I am just so grateful to her and all

973
00:46:32,880 --> 00:46:34,600
Speaker 1: the mommies out there who are trying to make it

974
00:46:35,040 --> 00:46:38,799
Speaker 1: happen with the human the humans we need to uh

975
00:46:38,840 --> 00:46:42,080
Speaker 1: the tiny humans to keep alive. So that's my break,

976
00:46:42,120 --> 00:46:45,719
Speaker 1: I mean, my boost rather to Anna and to some

977
00:46:45,840 --> 00:46:47,040
Speaker 1: childcare that I can trust.

978
00:46:47,520 --> 00:46:53,040
Speaker 3: Finally, yeay, I know there's nothing like honestly like trustworthy childcare.

979
00:46:53,880 --> 00:46:56,279
Speaker 3: You know, when you can leave your kid and know

980
00:46:56,440 --> 00:46:59,279
Speaker 3: that they're literally in just as good a hands as

981
00:46:59,320 --> 00:47:00,080
Speaker 3: if they were with you.

982
00:47:00,080 --> 00:47:01,279
Speaker 1: You yeah, you know.

983
00:47:01,520 --> 00:47:03,799
Speaker 3: That's why I like, I know, like my sister is

984
00:47:03,880 --> 00:47:06,759
Speaker 3: like with the two kids, I'm always like, girl, drop

985
00:47:06,800 --> 00:47:09,200
Speaker 3: them off here, like you know on Saturday, because honestly,

986
00:47:09,239 --> 00:47:11,279
Speaker 3: they're so well behave here because they have like their

987
00:47:11,600 --> 00:47:13,759
Speaker 3: they're all their toys there in the corner. I have

988
00:47:13,800 --> 00:47:16,919
Speaker 3: their favorite foods. They really they play with each other

989
00:47:17,000 --> 00:47:18,600
Speaker 3: and they're a delight to have. And so just to

990
00:47:18,600 --> 00:47:20,800
Speaker 3: give her a break to go food shopping, take a nap,

991
00:47:21,840 --> 00:47:23,080
Speaker 3: you know, get some work.

992
00:47:22,920 --> 00:47:27,560
Speaker 2: Done, because I only enjoy here. It's a joy to have.

993
00:47:27,560 --> 00:47:29,759
Speaker 3: Them too, I know, And I'm just like, just drop

994
00:47:29,840 --> 00:47:32,239
Speaker 3: them off and they love my My Nigerian name is

995
00:47:32,280 --> 00:47:33,200
Speaker 3: otto Adochi.

996
00:47:33,719 --> 00:47:35,880
Speaker 2: They're coming. So I'll hear them say can we go

997
00:47:35,920 --> 00:47:37,520
Speaker 2: to Antiaedo's house.

998
00:47:37,680 --> 00:47:40,080
Speaker 3: And I'm like bring them. You know, she doesn't feel

999
00:47:40,080 --> 00:47:42,200
Speaker 3: like cooking dinner because she's just down the street. I'm

1000
00:47:42,239 --> 00:47:43,839
Speaker 3: just like, girl, come eat dinner over here.

1001
00:47:44,040 --> 00:47:46,400
Speaker 2: You know, Roman only eats.

1002
00:47:46,239 --> 00:47:49,120
Speaker 3: Yellow rice, so whatever, I just literally have a year

1003
00:47:49,160 --> 00:47:50,800
Speaker 3: supply of Uncle Ben's yellow once.

1004
00:47:53,480 --> 00:47:55,520
Speaker 2: I'm like, I'm gonna let your mom a Fiji vegetables. Look,

1005
00:47:55,520 --> 00:47:57,560
Speaker 2: I'm not fighting with your babysitters.

1006
00:47:57,600 --> 00:48:00,080
Speaker 1: Like, listen, that child is drinking all kinds of I

1007
00:48:00,080 --> 00:48:01,600
Speaker 1: don't even want to know what kind of juice he's

1008
00:48:01,600 --> 00:48:02,560
Speaker 1: had up there. I don't know.

1009
00:48:02,680 --> 00:48:07,640
Speaker 3: I'm just like sur they're not big juice of drinkers,

1010
00:48:07,680 --> 00:48:10,040
Speaker 3: like you know, it's all about water. But yeah, so

1011
00:48:10,120 --> 00:48:12,560
Speaker 3: I just I like, I just I can totally understand

1012
00:48:12,560 --> 00:48:16,440
Speaker 3: because I know that literally there's times where like I'm like, well, dag,

1013
00:48:16,480 --> 00:48:17,840
Speaker 3: I mean she doesn't take off their coat, she just

1014
00:48:17,840 --> 00:48:18,600
Speaker 3: pushed it in by.

1015
00:48:18,560 --> 00:48:23,160
Speaker 2: I'm like, oh, what you got this exactly.

1016
00:48:23,600 --> 00:48:26,600
Speaker 3: So there's nothing like having people that care and love

1017
00:48:26,640 --> 00:48:28,440
Speaker 3: your kids look after them, and so yeah, if you

1018
00:48:28,480 --> 00:48:30,799
Speaker 3: can provide that for somebody, especially during these times like

1019
00:48:30,880 --> 00:48:34,160
Speaker 3: now and it's just really overwhelming, certainly reach out to

1020
00:48:34,280 --> 00:48:36,320
Speaker 3: you know someone and say you want to drop the

1021
00:48:36,360 --> 00:48:39,560
Speaker 3: kid off this weekend, you know, on Saturday or Sunday.

1022
00:48:39,680 --> 00:48:40,520
Speaker 2: Make that reach out.

1023
00:48:40,719 --> 00:48:43,200
Speaker 1: Yeah. So I'm so And I'm proud of her too,

1024
00:48:43,239 --> 00:48:46,919
Speaker 1: because she's she's I know that she's, you know, gonna

1025
00:48:46,920 --> 00:48:48,680
Speaker 1: get her career off to a great start. And I'm

1026
00:48:48,760 --> 00:48:51,239
Speaker 1: excited that she's you know, she's my little she's my

1027
00:48:51,280 --> 00:48:54,600
Speaker 1: little project, and she's also helping me at the same time,

1028
00:48:54,640 --> 00:48:56,719
Speaker 1: which is just I mean, I closed the door to

1029
00:48:56,800 --> 00:48:58,880
Speaker 1: the basement this morning and I just came down here

1030
00:48:58,920 --> 00:49:01,000
Speaker 1: Tippany and I have not been able to do that

1031
00:49:01,320 --> 00:49:04,200
Speaker 1: in nearly a year, So I don't know how I survived,

1032
00:49:04,239 --> 00:49:06,960
Speaker 1: but I'm so glad I don't have to do that

1033
00:49:07,000 --> 00:49:11,200
Speaker 1: anymore by myself with no childcare. So yes, bless bless

1034
00:49:11,280 --> 00:49:15,560
Speaker 1: all the childcare providers, and yes, thank you to Anna Banana.

1035
00:49:15,600 --> 00:49:24,040
Speaker 1: Hopefully she's listening because she's also going to have Yeah, Okay,

1036
00:49:24,400 --> 00:49:27,920
Speaker 1: this is a feel good episode, lots of fun. Update.

1037
00:49:28,000 --> 00:49:31,839
Speaker 3: Yes, we've been up, down, side to side, on and

1038
00:49:31,880 --> 00:49:33,239
Speaker 3: out did you ever play that.

1039
00:49:33,160 --> 00:49:37,080
Speaker 2: Game Chinese Chinese jump ropes.

1040
00:49:37,000 --> 00:49:38,480
Speaker 1: Chinese jump out?

1041
00:49:38,840 --> 00:49:40,279
Speaker 3: Well, it's like that, like I don't know what they

1042
00:49:40,280 --> 00:49:41,480
Speaker 3: call it, but that's what we used to call it.

1043
00:49:41,480 --> 00:49:43,160
Speaker 3: I don't know if that's the right name, but it

1044
00:49:43,239 --> 00:49:46,960
Speaker 3: was like it's like you wear it's almost like these

1045
00:49:47,040 --> 00:49:49,040
Speaker 3: rubber bands that you put around your ankle and the

1046
00:49:49,080 --> 00:49:50,840
Speaker 3: other person puts around their ankle and you form like

1047
00:49:50,880 --> 00:49:53,280
Speaker 3: a rectangle with it and then you.

1048
00:49:53,120 --> 00:49:56,839
Speaker 2: Go in outside to side on and out.

1049
00:49:56,920 --> 00:49:59,360
Speaker 1: I don't know how to but I do know that

1050
00:49:59,480 --> 00:50:01,960
Speaker 1: viral v the kids in China at the school who

1051
00:50:01,960 --> 00:50:04,920
Speaker 1: were like, what were they doing? They're synchronized basketball, dribbling

1052
00:50:05,000 --> 00:50:07,560
Speaker 1: or something and it was next level.

1053
00:50:07,800 --> 00:50:10,360
Speaker 3: They were no job, No, it's not somebody knows exactly

1054
00:50:10,360 --> 00:50:11,680
Speaker 3: what I'm talking about. We used to call it Chinese

1055
00:50:11,719 --> 00:50:13,000
Speaker 3: jump rope, and I'm sure that that is not the

1056
00:50:13,080 --> 00:50:14,400
Speaker 3: right name. But I was in second grade, so what

1057
00:50:14,440 --> 00:50:17,239
Speaker 3: did I know? But remember that guys, right, especially you

1058
00:50:17,280 --> 00:50:19,960
Speaker 3: know sisters in outside the side on and out and

1059
00:50:20,000 --> 00:50:24,239
Speaker 3: you would do like kneesies, jumpsies, double z girl. Somebody's

1060
00:50:24,280 --> 00:50:26,520
Speaker 3: like somebody at me at the budget used to be like,

1061
00:50:26,520 --> 00:50:27,480
Speaker 3: I know exactly what you want.

1062
00:50:27,520 --> 00:50:28,640
Speaker 2: I know there's a Wikipedia.

1063
00:50:28,960 --> 00:50:30,520
Speaker 1: It exists. Yeah, how do you?

1064
00:50:30,560 --> 00:50:32,279
Speaker 3: Well, I don't know that like that's what it's called.

1065
00:50:32,320 --> 00:50:34,520
Speaker 3: I feel like that's some name that somebody probably gave it.

1066
00:50:35,040 --> 00:50:38,600
Speaker 3: There's an actual it's a game, but I don't know.

1067
00:50:39,120 --> 00:50:40,759
Speaker 3: I'm sure there's a proper name to it. But we

1068
00:50:40,880 --> 00:50:42,560
Speaker 3: used to call it because that's what the older girls

1069
00:50:42,560 --> 00:50:44,360
Speaker 3: told us. It was called Chinese jump rope. But I

1070
00:50:44,400 --> 00:50:47,480
Speaker 3: don't know that that's what it was. Mean, Wikipedia is

1071
00:50:47,600 --> 00:50:51,400
Speaker 3: accurate all the time. Chinese Jump Rope is a is

1072
00:50:51,440 --> 00:50:54,520
Speaker 3: a ropes game. You're right, I'm looking at there's even patterns.

1073
00:50:54,200 --> 00:50:54,480
Speaker 1: Is it?

1074
00:50:55,280 --> 00:50:55,680
Speaker 3: Yes?

1075
00:50:56,120 --> 00:50:59,000
Speaker 1: Oh my god, please, I don't know.

1076
00:51:00,400 --> 00:51:03,080
Speaker 3: It was so fun as a kid, like and you

1077
00:51:03,200 --> 00:51:06,280
Speaker 3: had to keep going like if you did in outside

1078
00:51:06,320 --> 00:51:09,880
Speaker 3: to side, Yes, yes, it's exactly what it is, yep,

1079
00:51:09,920 --> 00:51:11,680
Speaker 3: in outside to side, on and out, and you kept

1080
00:51:11,680 --> 00:51:13,520
Speaker 3: going until.

1081
00:51:13,120 --> 00:51:16,880
Speaker 2: Like you missed. Oh my god, this is exactly it. Yes, aha,

1082
00:51:16,920 --> 00:51:17,680
Speaker 2: I'm that crazy.

1083
00:51:18,120 --> 00:51:20,920
Speaker 1: Yeah, do your googles. Do your googles. All right, we'll

1084
00:51:20,960 --> 00:51:23,319
Speaker 1: find a reference yet again that I did not get,

1085
00:51:23,440 --> 00:51:28,120
Speaker 1: but I could definitely do. Cinderella lost her fellow or

1086
00:51:28,239 --> 00:51:30,160
Speaker 1: a dress and it was yellow double Dutch.

1087
00:51:30,239 --> 00:51:34,040
Speaker 3: Now Okay, you know I never learned how to jump

1088
00:51:34,120 --> 00:51:37,719
Speaker 3: double dutch. Never, No, I mean like I mean I

1089
00:51:37,760 --> 00:51:39,600
Speaker 3: started to, and then we moved to Westfield, which is

1090
00:51:39,719 --> 00:51:41,120
Speaker 3: largely white, so nobody knew how that.

1091
00:51:41,800 --> 00:51:44,319
Speaker 1: God did they still do that? I mean, I have

1092
00:51:44,400 --> 00:51:46,960
Speaker 1: yet to see girls in my neighborhood gathered together run

1093
00:51:47,040 --> 00:51:49,279
Speaker 1: some jump rope that I didn't. I didn't bring that back.

1094
00:51:49,640 --> 00:51:51,360
Speaker 1: We have a nice little flat street. I might just

1095
00:51:51,400 --> 00:51:53,600
Speaker 1: put two long jump ropes out there and just get

1096
00:51:53,600 --> 00:51:56,080
Speaker 1: a get a double dutch going. That would be a

1097
00:51:56,480 --> 00:51:57,080
Speaker 1: good cardio.

1098
00:51:57,880 --> 00:52:01,320
Speaker 3: There's a great company, a great company called Double Dutch Aerobics.

1099
00:52:01,840 --> 00:52:05,799
Speaker 3: They are so fun if you follow them on on Insta.

1100
00:52:06,400 --> 00:52:10,400
Speaker 3: It's a husband and wife duo and they teach kids, adults,

1101
00:52:10,440 --> 00:52:13,080
Speaker 3: everyone to like jump double dutch and because it's such

1102
00:52:13,120 --> 00:52:14,560
Speaker 3: like it's such great exercise.

1103
00:52:15,000 --> 00:52:16,680
Speaker 2: But they're such a fun couple.

1104
00:52:16,840 --> 00:52:18,920
Speaker 3: And if you're I think you're in Atlanta, you can

1105
00:52:18,960 --> 00:52:22,879
Speaker 3: actually take classes. So double Dutch Aerobics on IG tell

1106
00:52:22,880 --> 00:52:24,840
Speaker 3: them the budget needs to sen because I love that.

1107
00:52:26,640 --> 00:52:28,839
Speaker 2: Oh my god, it's so awesome, I know.

1108
00:52:28,960 --> 00:52:31,480
Speaker 3: And they've got like two little kids and like literally

1109
00:52:31,520 --> 00:52:34,040
Speaker 3: the like the little kids who are like two and

1110
00:52:34,719 --> 00:52:36,200
Speaker 3: three and a half will turn rope.

1111
00:52:36,239 --> 00:52:38,040
Speaker 2: I'm like, how do they know how to turn rope?

1112
00:52:38,239 --> 00:52:41,120
Speaker 3: So yeah, they're just it's an adorable account to follow anyway,

1113
00:52:41,400 --> 00:52:44,319
Speaker 3: but but yeah, just in general, they're just you know,

1114
00:52:44,400 --> 00:52:45,360
Speaker 3: they're just a fun couple.

1115
00:52:45,400 --> 00:52:47,320
Speaker 2: And like I said, if you're in Atlanta, Georgia, you

1116
00:52:47,400 --> 00:52:48,360
Speaker 2: might want to take a clay.

1117
00:52:48,480 --> 00:52:49,600
Speaker 1: It's like everybody.

1118
00:52:50,960 --> 00:52:57,040
Speaker 3: I know, all right, I know, I like.

1119
00:52:54,920 --> 00:52:58,120
Speaker 1: I like to get something. Probably somebody needs to be fed.

1120
00:53:00,040 --> 00:53:01,799
Speaker 1: If like quiet over there, well I just hear the

1121
00:53:01,800 --> 00:53:03,560
Speaker 1: baby laughing, and I'm kind of like, I just feel

1122
00:53:03,560 --> 00:53:05,239
Speaker 1: like I should just we should just have a two

1123
00:53:05,280 --> 00:53:09,400
Speaker 1: hour show because we can't. No, you go enjoy, relax.

1124
00:53:09,680 --> 00:53:11,560
Speaker 1: And I want to hear soon how you're going to

1125
00:53:11,560 --> 00:53:16,280
Speaker 1: be celebrating your book launch because it deserves to be celebrated. Okay, okay, okay,

1126
00:53:16,880 --> 00:53:19,759
Speaker 1: all right, thanks Tiff, and thank you guys. See you

1127
00:53:19,800 --> 00:53:21,000
Speaker 1: next week. A brand Vision