WEBVTT - The Sun Was Meant to Shine - and So Were You

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<v Speaker 1>Hey, ba fam, we are five years into making this

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<v Speaker 1>podcast that we love so much called Brown Ambition, and

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<v Speaker 1>we could not do it without you. We've gone from

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<v Speaker 1>me and Tiffany sneaking around my old office building trying

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<v Speaker 1>to find places to record, and thanks to you, guys,

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<v Speaker 1>we now have one hundred thousand downloads per month for

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<v Speaker 1>this little show called Brown Ambition. We would love to

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<v Speaker 1>ask y'all for a small favor as fans of the show. Tiffany,

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<v Speaker 1>what are we looking for?

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<v Speaker 2>Here's what we'd love from you, guys.

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<v Speaker 3>We already have over a thousand reviews and a five

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<v Speaker 3>star rating on iTunes, but you know it's better than

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<v Speaker 3>one thousand.

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<v Speaker 2>Reviews two thousand reviews.

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<v Speaker 3>If you get head on over to iTunes, go to

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<v Speaker 3>our Brown Ambition page, scroll on down to the bottom,

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<v Speaker 3>subscribe and leave us a five star rating and review.

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<v Speaker 1>So subscribe, rate review. Not too much to ask, right easyps.

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<v Speaker 1>We love you guys, and thank you so much for

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<v Speaker 1>making Brown Ambition what it is. The last five years

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<v Speaker 1>have been amazing and it's all things to you.

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<v Speaker 3>Hey, hey, hey, we're back, We're black.

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<v Speaker 2>We're bread, and.

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<v Speaker 1>Somebody been a little jazz. Somebody watched my Rainie's black Bottom.

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<v Speaker 2>I was giving. I was giving Queen Latifa. I was

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<v Speaker 2>giving a little yeah, you.

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<v Speaker 3>Know, she's like one of my Queen Latifa is one

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<v Speaker 3>of my idols. You know that she's from mm hmmm,

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<v Speaker 3>well Norky Starringiest. But also what I love about Queen Latifah,

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<v Speaker 3>the reason why she's one of my idols is because

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<v Speaker 3>I feel like she has maintained her authentic self and

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<v Speaker 3>has risen to like, you know, the upper echelons of

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<v Speaker 3>her of her career while maintaining you know, Brick City,

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<v Speaker 3>Essex County, New Jersey.

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<v Speaker 2>You know, So I just love that.

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<v Speaker 1>Yeah, I was listening to speaking of Newark and famous people.

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<v Speaker 1>Whitney Houston has been coming up a lot because this

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<v Speaker 1>is her The anniversary of her death is around this

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<v Speaker 1>time of year. I remember it was around Valentine's Day?

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<v Speaker 1>How many years ago was it? And there was a

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<v Speaker 1>podcast that did a whole recap of her performance at

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<v Speaker 1>the super Bowl, the epic, the iconic one where she's

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<v Speaker 1>sang the national anthem and they were sort of just there,

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<v Speaker 1>they were giving her the shine that she deserves, and

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<v Speaker 1>just it just makes it sad that she never got

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<v Speaker 1>to fulfill her entire you know, fulfill what she could

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<v Speaker 1>have done if she had, you know, not gone so quickly.

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<v Speaker 1>But yeah, I mean I feel like Queen Latifah. What else?

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<v Speaker 1>What else is new work have going for them? Whitney

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<v Speaker 1>Corey Booker? Is that something that y'a by nature?

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<v Speaker 2>Okay?

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<v Speaker 1>I know you've got a new whole food.

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<v Speaker 2>Yeah, we do have a new foods.

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<v Speaker 1>Newark is the Newark Renaissance, and I was Newark Renaissance.

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<v Speaker 1>It's exciting that you're a part of that.

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<v Speaker 2>Yeah, I know it is, honestly, Yeah, girl, how have

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<v Speaker 2>you been?

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<v Speaker 1>You know, nothing new over here, nothing new to report?

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<v Speaker 2>So something. So I don't know if y'all remember, but

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<v Speaker 2>I meet with my coach.

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<v Speaker 3>Remember I was looking for like a therapist, and then

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<v Speaker 3>I found a therapist, coach, Stephanie. No, I found a

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<v Speaker 3>therapist finder Stephanie who connected me. She's like, well, I

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<v Speaker 3>don't know if you need a therapist more so like

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<v Speaker 3>a coach. But my coach, doctor Green is also a therapist.

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<v Speaker 3>She's just not my therapist anyway, say all had to say.

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<v Speaker 3>I had a call with her on Friday and then

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<v Speaker 3>she gave me a really good lesson. So I just

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<v Speaker 3>wanted to share that with the Austins. We're sharing lessons,

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<v Speaker 3>like you know, y'all know that my new book Get

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<v Speaker 3>It with Money, it's available for pre order and Get

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<v Speaker 3>Good with Money dot com. And I have been nervous

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<v Speaker 3>to share that I would like for it to you know,

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<v Speaker 3>be a bestseller, like you know, to be on the list,

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<v Speaker 3>like you know, there's like USA Today, Washington Post, New

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<v Speaker 3>York Times, like I've been nervous to.

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<v Speaker 2>Like say it.

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<v Speaker 3>And she was asking me why it's on my vision board.

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<v Speaker 3>It's been on my vision board even before I got

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<v Speaker 3>my book deal. And there was two reasons.

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<v Speaker 2>One, I said, I just feel felt like it was

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<v Speaker 2>maybe a little.

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<v Speaker 3>Arrogant, you know, to say like oh. And she was like, no,

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<v Speaker 3>that's not it. And she said, do you know what

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<v Speaker 3>arrogance is. I was like, uh, yeah, I guess and

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<v Speaker 3>she said no. Arrogance is when you are using your

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<v Speaker 3>quote unquote bigness to make someone else feel small, right.

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<v Speaker 3>And so she was like, is that what you're trying

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<v Speaker 3>to do when you say, hey, I would love to

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<v Speaker 3>have a New York Times bestseller? And I said no,

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<v Speaker 3>and she's said, well, then that's not arrogance, and I

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<v Speaker 3>was like, well, maybe this is just a lack of humility.

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<v Speaker 3>She's like, wrong again, do you know what humility is?

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<v Speaker 3>And I was like, hey, I guess you're gonna tell me.

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<v Speaker 3>And she said, true humility is really filling up just

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<v Speaker 3>the right amount of space. She was like, you know,

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<v Speaker 3>like not no less, no more. Humility is not about shrinking.

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<v Speaker 3>Humility is about filling up the space a set aside

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<v Speaker 3>for you, you know, like just doing what it is

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<v Speaker 3>that you're created to do. She was like, we don't

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<v Speaker 3>consider the sun any less humble. The sun is meant

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<v Speaker 3>to shine, and so are you, Tiffany. I have to

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<v Speaker 3>lean into I know. I was like, I'm not gonna

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<v Speaker 3>lie every time. I'm like that tears wow, right, and

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<v Speaker 3>and so something else like I you know, there was

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<v Speaker 3>something else that she said to me.

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<v Speaker 2>That to me, the biggest lesson that I got away

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<v Speaker 2>from it.

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<v Speaker 3>And I said, I guess it's like, well, what if

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<v Speaker 3>I don't get any best sellers, what if I don't

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<v Speaker 3>sell well, what if the books?

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<v Speaker 2>You know, what if nobody cares? What if people say

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<v Speaker 2>it's terrible?

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<v Speaker 3>And you know, and she said, what would you feel?

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<v Speaker 3>I was like, I would feel ashamed. And she was like,

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<v Speaker 3>you know, shame is one of the most she said,

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<v Speaker 3>it's really one of the most terrible emotions because shame

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<v Speaker 3>is a liar. Because the thing about shame is that

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<v Speaker 3>shame tells you that you're bad, not that the action

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<v Speaker 3>that you take have taken might not have been as

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<v Speaker 3>good as it ought to be. You know, shame, shame,

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<v Speaker 3>Shame speaks to you as a person incorrectly, like if

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<v Speaker 3>I don't sell enough books, I'm bad. I'm a loser.

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<v Speaker 3>I not just I just didn't sell a lot of books.

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<v Speaker 3>And she was like, that's why shame is so bad,

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<v Speaker 3>because it truly eats away and all the things that

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<v Speaker 3>are good about you, because it'll have you believing that

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<v Speaker 3>there's something wrong with you because of some sort of

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<v Speaker 3>action that was externally taken, you know. And she said,

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<v Speaker 3>you know, there's really one, only one antidote to shame,

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<v Speaker 3>and I'm sharing this whether you're thinking about your finances,

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<v Speaker 3>whether you're thinking about your goals, whatever it is, especially

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<v Speaker 3>us as women, we struggle with this. She said, the

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<v Speaker 3>only antidote to shame is voice. And it like hit

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<v Speaker 3>me like a ton of bricks, and she was like,

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<v Speaker 3>in sharing whatever it is that you're afraid of, that

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<v Speaker 3>you're ashamed of. When you give voice to it, you

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<v Speaker 3>literally you render shame useless.

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<v Speaker 2>So I'm afraid, you.

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<v Speaker 3>Know, I use my credit card too much and my

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<v Speaker 3>bill is too high, you know, Oh my gosh, you know,

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<v Speaker 3>like I think I'm going to lose my house to

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<v Speaker 3>foreclosure because during the pandemic, you know, I was furlough

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<v Speaker 3>and I can't I can't afford I can't afford the

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<v Speaker 3>mortgage anymore. Tell your father, tell your sister, not that

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<v Speaker 3>they're going to give you money, but to release the

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<v Speaker 3>shame of it. Because shame is keeping you from solutions.

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<v Speaker 3>It's keeping you shamed. Like it thrives off of you hiding,

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<v Speaker 3>It thrives off of you being alone, It thrives off

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<v Speaker 3>of silence.

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<v Speaker 2>And so when she said that that.

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<v Speaker 3>Like, you know, shame, the antidote to shame is voice,

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<v Speaker 3>I was just like wow, because honestly, we've sold like

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<v Speaker 3>thousands of copies already. But the first day there was

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<v Speaker 3>a glitch in the system and they told us that

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<v Speaker 3>we only sold like a few hundred copies, and I

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<v Speaker 3>was like, wait, what. I couldn't believe because it's been

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<v Speaker 3>so we had worked so hard, and honestly, I felt

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<v Speaker 3>so much shame. Mandy. I was like, I mean, I

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<v Speaker 3>was like, a superman doesn't ever really, I'm even though

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<v Speaker 3>it's surprising, I'm I'm pretty much a cry baby, but

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<v Speaker 3>he doesn't see me cry much.

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<v Speaker 2>He didn't know what to do. He was like, wait,

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<v Speaker 2>are you gonna cry? I was like, He's like, do

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<v Speaker 2>you want some tea?

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<v Speaker 1>I was like, what are you doing?

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<v Speaker 3>I guess I normally cry by myself. I was like,

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<v Speaker 3>has he not seen me cry? I'm like, well, I

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<v Speaker 3>guess I don't. Really I was thinking, I'm like, you know,

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<v Speaker 3>I guess I do cry by myself. I guess, but

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<v Speaker 3>I was so ashamed. It was like my worst fear

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<v Speaker 3>confirmed that I could put in hard work and it

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<v Speaker 3>come to nothing. And she was like, and what happened?

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<v Speaker 3>I was like, I don't know. I just felt a shamed.

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<v Speaker 3>She's like, but did you basically, but did you die?

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<v Speaker 2>And you know?

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<v Speaker 3>And I didn't. And then she's like again, then what happened?

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<v Speaker 3>And I said, well, then you know, I called, like,

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<v Speaker 3>you know, my best friend and I told her and

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<v Speaker 3>I called my other best friend.

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<v Speaker 2>I told him. She said okay, and she said no,

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<v Speaker 2>what happened?

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<v Speaker 3>Did they judge you? And I said no. She was like,

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<v Speaker 3>did they comfort you? He said yes, And she's like,

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<v Speaker 3>then what else? And I was like, well, then I

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<v Speaker 3>started to put together a plan of what we can

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<v Speaker 3>do to, let you know, to make the next day better.

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<v Speaker 3>And she's like, and did you put in the plan?

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<v Speaker 3>I said, yes, you know, I've reached out. I wasn't

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<v Speaker 3>going to tell my team. I was afraid that they would,

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<v Speaker 3>you know, that they would look at me differently. But

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<v Speaker 3>they didn't. And she said, so so so thankfully that

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<v Speaker 3>number ended up being incorrect. But what if your worst

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<v Speaker 3>fear does come to light? Can you not lean into

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<v Speaker 3>those solutions telling people that you trust, think about a

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<v Speaker 3>plan of action?

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<v Speaker 2>She said, one feeling it?

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<v Speaker 3>There's nothing wrong with feeling like disappointing, disappointed. So can't

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<v Speaker 3>you lean into those action steps feeling the disappointment, telling

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<v Speaker 3>people that you trust and that love you, that are

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<v Speaker 3>going to give you the support, the emotional support that

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<v Speaker 3>you need, thinking about solutions, and then getting the folks

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<v Speaker 3>around you that would help in those solutions and working

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<v Speaker 3>the plan. Can't that always be how you manage when

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<v Speaker 3>things like this happen.

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<v Speaker 2>I was like, I guess, so it's really.

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<v Speaker 1>Good and I just felt I feel deeply. I mean,

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<v Speaker 1>I've shame is it is so toxic? And you're yeah,

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<v Speaker 1>And I've never heard it articulated in that way except

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<v Speaker 1>for maybe Brene Brown. You know, she's become really ubiquitous,

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<v Speaker 1>but she's given a Ted doc on shame. And but

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<v Speaker 1>that particular like phrasing that the antidote to shame is voice,

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<v Speaker 1>It's so true. I mean in this Yes, immediately when

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<v Speaker 1>you were talking, I started to think about the women

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<v Speaker 1>in my life who've felt ashamed of, you know, being harassed,

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<v Speaker 1>sexually harassed at the office or in their personal lives,

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<v Speaker 1>and they didn't want to say anything or even listening to.

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<v Speaker 1>I don't know if you guys did tune into AOC's

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<v Speaker 1>ninety minute Instagram live where she recounted what happened to

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<v Speaker 1>her during the riot from her perspective. But part of

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<v Speaker 1>her story was part of her was the reason she

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<v Speaker 1>was even telling it because she wasn't you know, she

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<v Speaker 1>wasn't hurt physically, although it was extremely you know, she

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<v Speaker 1>thought she was going to die several times because she's

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<v Speaker 1>aos and literally people there are people who would like

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<v Speaker 1>to see her gone, but her sharing her story. She said,

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<v Speaker 1>I thought my story was too small. I thought that

0:11:10.240 --> 0:11:12.440
<v Speaker 1>it didn't matter, and I thought I felt ashamed that

0:11:12.520 --> 0:11:15.839
<v Speaker 1>if I said it, that maybe it would be used

0:11:15.840 --> 0:11:18.360
<v Speaker 1>as a weapon against me by conservative media and all

0:11:18.400 --> 0:11:19.760
<v Speaker 1>that kind of stuff. But she was like, I'm gonna

0:11:19.760 --> 0:11:23.000
<v Speaker 1>tell the story anyway, because it's really to encourage other

0:11:23.040 --> 0:11:27.719
<v Speaker 1>people who've been through something small large. Who knows saying it.

0:11:27.840 --> 0:11:31.480
<v Speaker 3>It is to her to release her It's yes, yes, honestly.

0:11:31.559 --> 0:11:33.400
<v Speaker 3>One of the reasons why, like I don't do it

0:11:33.440 --> 0:11:35.640
<v Speaker 3>as much, but one of the reason I used to

0:11:35.800 --> 0:11:39.199
<v Speaker 3>I shared, like my my struggle with fertility is because

0:11:39.240 --> 0:11:42.480
<v Speaker 3>of that, because I don't know any woman that wants

0:11:42.480 --> 0:11:44.439
<v Speaker 3>to have a child, that is having trouble having a

0:11:44.520 --> 0:11:47.240
<v Speaker 3>child that doesn't feel shame about it. Because you're told

0:11:47.280 --> 0:11:49.439
<v Speaker 3>your whole life, since you were you know, since you

0:11:49.480 --> 0:11:52.480
<v Speaker 3>get your first period, better be careful, don't want to

0:11:52.480 --> 0:11:55.520
<v Speaker 3>get pregnant, because the assumption is if you're a woman

0:11:56.080 --> 0:11:59.199
<v Speaker 3>and you have a period, pregnancy is a is a given.

0:11:59.320 --> 0:12:01.640
<v Speaker 2>It's like dum a default for your.

0:12:01.559 --> 0:12:04.600
<v Speaker 3>Body, right, and then you know, all throughout like high

0:12:04.640 --> 0:12:08.319
<v Speaker 3>school and college unless you found someone you're like every

0:12:08.400 --> 0:12:10.600
<v Speaker 3>month you're like, oh, not pregnant this month, Oh thank goodness,

0:12:10.960 --> 0:12:14.719
<v Speaker 3>you know, and then you try the thing that your

0:12:14.760 --> 0:12:16.880
<v Speaker 3>body is supposed to do, default the thing that you've

0:12:16.920 --> 0:12:21.520
<v Speaker 3>literally seen fourteen year olds do women who are you know,

0:12:21.600 --> 0:12:26.400
<v Speaker 3>addicted to substance, substances that should have destroyed their inside,

0:12:26.800 --> 0:12:31.760
<v Speaker 3>like like women who work in the harshest environments, I

0:12:31.800 --> 0:12:35.920
<v Speaker 3>mean every type of extreme, you know, and in between

0:12:36.040 --> 0:12:38.400
<v Speaker 3>you see women getting pregnant left and right, left and right, left, right,

0:12:38.440 --> 0:12:39.600
<v Speaker 3>and you're like, what's wrong with me?

0:12:40.360 --> 0:12:41.480
<v Speaker 2>So there's a shame in that.

0:12:41.559 --> 0:12:44.160
<v Speaker 3>But I the reason why I share, That's why that lady,

0:12:44.160 --> 0:12:46.160
<v Speaker 3>I mean, I made a joke of it, but and

0:12:46.200 --> 0:12:47.640
<v Speaker 3>I know she didn't intend it, like the woman who

0:12:47.640 --> 0:12:49.960
<v Speaker 3>say I'm tired of hearing about Tifney's uterus. You know,

0:12:50.720 --> 0:12:51.880
<v Speaker 3>you know I made a joke of it because, like

0:12:51.920 --> 0:12:54.800
<v Speaker 3>I know, obviously she didn't say it to be I mean,

0:12:54.920 --> 0:12:57.079
<v Speaker 3>she was being mean, but she didn't say it to

0:12:57.440 --> 0:12:59.240
<v Speaker 3>the depth of like which I felt it.

0:12:59.480 --> 0:13:02.760
<v Speaker 2>But I shared it. And I share that because I

0:13:02.800 --> 0:13:03.520
<v Speaker 2>do feel.

0:13:03.240 --> 0:13:05.600
<v Speaker 3>Shame around it, and the only way to let go

0:13:05.679 --> 0:13:09.040
<v Speaker 3>of that is to share, because I know in so

0:13:09.240 --> 0:13:12.360
<v Speaker 3>sharing you guys hit up my inbox like crazy, like

0:13:12.600 --> 0:13:15.040
<v Speaker 3>me too, girl, this is what I did, or this

0:13:15.120 --> 0:13:16.559
<v Speaker 3>is how I fell or I still don't have a

0:13:16.640 --> 0:13:20.320
<v Speaker 3>kid yet. You know that, like shame, I just that's

0:13:20.360 --> 0:13:23.520
<v Speaker 3>what I wanted to give that gift of. Like, if

0:13:23.559 --> 0:13:27.080
<v Speaker 3>you're feeling shame around a thing, whether it's not wanting

0:13:27.120 --> 0:13:28.240
<v Speaker 3>to admit that you want to be on a New

0:13:28.320 --> 0:13:31.880
<v Speaker 3>York Times bestsellers list, or it's you know, somebody raped

0:13:31.920 --> 0:13:35.079
<v Speaker 3>me and I never told anyone that. Really, the only

0:13:35.160 --> 0:13:38.079
<v Speaker 3>way that you're going to start to release yourself and

0:13:38.120 --> 0:13:41.040
<v Speaker 3>free yourself from that shame is to give voice to it. However,

0:13:41.120 --> 0:13:44.080
<v Speaker 3>voice looks like to you, voice just means speaking about

0:13:44.120 --> 0:13:46.560
<v Speaker 3>it in a safe place where you're going to get

0:13:46.600 --> 0:13:48.320
<v Speaker 3>the support and encouragement that you need.

0:13:48.920 --> 0:13:50.680
<v Speaker 1>I feel like I just need a paper fan to

0:13:50.720 --> 0:13:53.160
<v Speaker 1>fan my face. I'm just like I'm doing that Baptist

0:13:53.240 --> 0:13:57.000
<v Speaker 1>church lady like rocking back and forth like m appreac on.

0:13:57.640 --> 0:14:02.160
<v Speaker 1>Yeah listen, y'all, I do deep have deep Southern Baptist roots.

0:14:02.200 --> 0:14:05.000
<v Speaker 1>But anyway, uh so that's the show. I mean, I

0:14:05.000 --> 0:14:08.080
<v Speaker 1>don't know what else you guys could need from us today,

0:14:08.280 --> 0:14:11.360
<v Speaker 1>because I feel like we just gave you everything that.

0:14:11.280 --> 0:14:13.560
<v Speaker 2>You need, everything I happened to be.

0:14:13.640 --> 0:14:16.160
<v Speaker 1>I know. No, that's I'm really glad. And to bring

0:14:16.160 --> 0:14:18.920
<v Speaker 1>it back to finance in brown ambition, women can feel

0:14:18.920 --> 0:14:22.800
<v Speaker 1>ashamed of being ambitious and also the first step toward

0:14:23.200 --> 0:14:25.800
<v Speaker 1>financial wealth and well being for a lot of people

0:14:25.800 --> 0:14:27.960
<v Speaker 1>who don't come from a place of privilege and already

0:14:28.000 --> 0:14:31.840
<v Speaker 1>had some kind of foundation, is one being vulnerable enough

0:14:31.880 --> 0:14:34.040
<v Speaker 1>to say I do not know this, I need to ask,

0:14:34.240 --> 0:14:37.320
<v Speaker 1>I need to ask questions and or if you've had

0:14:37.360 --> 0:14:40.200
<v Speaker 1>struggles in the past, here's where I'm at today. And

0:14:40.400 --> 0:14:43.880
<v Speaker 1>I have been coaching two people in my family who

0:14:44.360 --> 0:14:46.160
<v Speaker 1>who in the past couple of and I've been I've

0:14:46.160 --> 0:14:48.720
<v Speaker 1>been working on these people for years to like, you know, hey,

0:14:48.800 --> 0:14:50.520
<v Speaker 1>every want to talk. I don't want to be intimidating,

0:14:50.520 --> 0:14:52.520
<v Speaker 1>but I'm like, I can tell that you want to say.

0:14:52.560 --> 0:14:55.120
<v Speaker 1>They're the people who like they reached out and they're like, hey,

0:14:55.160 --> 0:14:56.880
<v Speaker 1>I'm going to text you or can we talk? And

0:14:56.880 --> 0:14:59.480
<v Speaker 1>then they never text and never call, and it'll happen

0:14:59.520 --> 0:15:01.200
<v Speaker 1>like once a year, and then finally you have the

0:15:01.240 --> 0:15:04.680
<v Speaker 1>conversation and you realize you know what the and you

0:15:05.080 --> 0:15:07.480
<v Speaker 1>hear it in their voice when they have, when they

0:15:07.520 --> 0:15:12.280
<v Speaker 1>have shared the truth of their situation. And the first

0:15:12.280 --> 0:15:15.640
<v Speaker 1>thing I usually say is You're gonna be fine. This

0:15:15.760 --> 0:15:18.920
<v Speaker 1>is okay, this isn't that bad. You can fix this

0:15:19.120 --> 0:15:23.200
<v Speaker 1>or it's not about always fixing. It's like, you can

0:15:23.400 --> 0:15:25.640
<v Speaker 1>get there. You know, you can get to this dream,

0:15:25.760 --> 0:15:27.920
<v Speaker 1>you can get to this, you can achieve this, you

0:15:27.960 --> 0:15:30.400
<v Speaker 1>can think bigger. You just need to know a few

0:15:30.920 --> 0:15:34.440
<v Speaker 1>you know, a few little stepping stones. And it's it's

0:15:34.480 --> 0:15:37.960
<v Speaker 1>really impactful and powerful financially just to open up and

0:15:38.080 --> 0:15:41.080
<v Speaker 1>to yeah, to share with other people and you don't

0:15:41.120 --> 0:15:43.000
<v Speaker 1>even know. It could be sending in a question to

0:15:43.040 --> 0:15:46.480
<v Speaker 1>Brown ambition or you know, or just talking to a

0:15:46.480 --> 0:15:49.640
<v Speaker 1>girlfriend or to an actual financial planner. But I don't

0:15:49.840 --> 0:15:52.520
<v Speaker 1>think if you if you choose carefully who you talk to,

0:15:53.400 --> 0:15:55.120
<v Speaker 1>you know, choose people that you trust and who love

0:15:55.160 --> 0:15:58.080
<v Speaker 1>you, you're never gonna be better or worse off. I think

0:15:58.160 --> 0:16:02.680
<v Speaker 1>from having that kind of conversation and I and yeah,

0:16:03.040 --> 0:16:05.280
<v Speaker 1>I truly do feel like that is and you've probably

0:16:05.280 --> 0:16:08.200
<v Speaker 1>seen this a millionfold through your work through the budget NESTA.

0:16:08.560 --> 0:16:11.680
<v Speaker 1>But getting over that initial hump of the shame and

0:16:11.760 --> 0:16:15.000
<v Speaker 1>the sense of embarrassment over what they where they It's

0:16:15.040 --> 0:16:17.400
<v Speaker 1>always the shoulds right where you think you should be

0:16:17.480 --> 0:16:19.960
<v Speaker 1>but you aren't. Well you think you should be doing

0:16:20.080 --> 0:16:21.920
<v Speaker 1>what you can't. Well, you think you should know, but

0:16:22.000 --> 0:16:24.960
<v Speaker 1>you don't know. It's all it's all tied to shame.

0:16:25.080 --> 0:16:28.880
<v Speaker 1>And yeah, it's it's almost you know, as a as

0:16:29.000 --> 0:16:31.200
<v Speaker 1>you know in my title chief Consumer Advocate, it's like,

0:16:31.240 --> 0:16:33.520
<v Speaker 1>what is that? Well, really, I feel like I am

0:16:33.880 --> 0:16:37.680
<v Speaker 1>someone who's going to help people get over that home,

0:16:37.880 --> 0:16:39.960
<v Speaker 1>you know, get over that sense of shame and to

0:16:40.360 --> 0:16:43.240
<v Speaker 1>unlock potential they never knew they had, you know, because

0:16:43.280 --> 0:16:44.800
<v Speaker 1>they can feel like they have someone they can talk

0:16:44.800 --> 0:16:47.160
<v Speaker 1>to who relates to them and all that. And yeah,

0:16:47.240 --> 0:16:52.200
<v Speaker 1>I financial shame. I'm trying to think of, like I

0:16:52.240 --> 0:16:53.520
<v Speaker 1>feel like you should do it technique.

0:16:53.560 --> 0:16:55.600
<v Speaker 3>Maybe sometimes I'm so opposed to some of you know,

0:16:55.960 --> 0:16:58.480
<v Speaker 3>some of y'all thieves who peddle the shame.

0:17:00.080 --> 0:17:01.040
<v Speaker 2>I mean, like we're not going.

0:17:01.040 --> 0:17:04.280
<v Speaker 3>To say any names, but you know, just because it's

0:17:04.440 --> 0:17:06.960
<v Speaker 3>enough of that, Like you know, that's why you know here,

0:17:07.080 --> 0:17:09.919
<v Speaker 3>you know, we talk about we try to make the

0:17:10.000 --> 0:17:13.000
<v Speaker 3>financial advice. We never try to shame y'all of the

0:17:13.080 --> 0:17:15.960
<v Speaker 3>choices that you've made, because honestly, We've made those choices

0:17:16.080 --> 0:17:19.240
<v Speaker 3>times ten. And this is supposed to be a safe

0:17:19.240 --> 0:17:21.240
<v Speaker 3>space so you can lean in and ask your questions

0:17:21.280 --> 0:17:24.919
<v Speaker 3>about finance and business and career and everything adjacent, because

0:17:24.920 --> 0:17:27.399
<v Speaker 3>there's enough shame out there. And honestly, we're already good

0:17:27.400 --> 0:17:29.399
<v Speaker 3>at shaming ourselves. We don't need anybody's help.

0:17:29.359 --> 0:17:34.280
<v Speaker 1>I'm saying right. And I think I saw this quote recently,

0:17:34.600 --> 0:17:36.640
<v Speaker 1>just to like round this out, And you said choices.

0:17:37.040 --> 0:17:39.879
<v Speaker 1>There was someone who said, you know, you didn't. You

0:17:39.920 --> 0:17:42.880
<v Speaker 1>didn't make good choices. You had good choices to make.

0:17:43.440 --> 0:17:45.800
<v Speaker 1>And I think that's a real definition of privilege. I

0:17:45.800 --> 0:17:47.400
<v Speaker 1>need to figure out where I saw that. It must

0:17:47.400 --> 0:17:50.040
<v Speaker 1>have been somewhere on Insta. Yeah, you didn't you didn't

0:17:50.280 --> 0:17:52.760
<v Speaker 1>have good choice, or you didn't make good choices. Your

0:17:52.840 --> 0:17:55.080
<v Speaker 1>choices were good in the first place, And that's privilege.

0:17:55.119 --> 0:17:58.600
<v Speaker 1>And I think being black women, Tiffany, we get it

0:17:58.720 --> 0:18:00.399
<v Speaker 1>in the sense that and I was all always so

0:18:00.440 --> 0:18:03.840
<v Speaker 1>sensitive to that when I was editing content or writing content,

0:18:04.359 --> 0:18:07.199
<v Speaker 1>you know, for a general audience, not to be not

0:18:07.320 --> 0:18:11.080
<v Speaker 1>to be dismissive or not to be what's the word like,

0:18:11.119 --> 0:18:13.560
<v Speaker 1>condescending to people. Why did you do that choice? You

0:18:13.600 --> 0:18:15.439
<v Speaker 1>never should have done that in the first place. I

0:18:15.560 --> 0:18:17.280
<v Speaker 1>get it. You know, when you are black in this

0:18:17.359 --> 0:18:20.240
<v Speaker 1>country or your minority in this country, often you may

0:18:20.280 --> 0:18:22.439
<v Speaker 1>not it's either the payday loan or it's taking an

0:18:22.440 --> 0:18:25.240
<v Speaker 1>advance in your credit card. Okay, So okay, I don't

0:18:25.280 --> 0:18:27.520
<v Speaker 1>have the emergency fund. Yeah, so skip that piece of

0:18:27.560 --> 0:18:29.720
<v Speaker 1>your useless you know, top ten list of what to

0:18:29.760 --> 0:18:32.680
<v Speaker 1>do to to to start saving. You know, I don't

0:18:32.680 --> 0:18:34.800
<v Speaker 1>have those things. So I have these choices. They're all

0:18:34.800 --> 0:18:37.320
<v Speaker 1>bad choices. So which is the least worse and how

0:18:37.320 --> 0:18:40.000
<v Speaker 1>can I better prepare for next time? And that is

0:18:40.040 --> 0:18:43.040
<v Speaker 1>the perspective that and that is Yes, that is perspective,

0:18:43.040 --> 0:18:46.280
<v Speaker 1>and that's why there will always be That's why I think, Tiffany,

0:18:46.359 --> 0:18:48.320
<v Speaker 1>you belong on the best seller's list, you belong up

0:18:48.320 --> 0:18:50.879
<v Speaker 1>there with everybody else because you know your voice and

0:18:50.920 --> 0:18:54.200
<v Speaker 1>your perspective, and you're you're the way that you're tuned

0:18:54.240 --> 0:18:58.080
<v Speaker 1>into your community and your audience is needed. And that's

0:18:58.080 --> 0:19:00.439
<v Speaker 1>also why I think there's that's why I more than

0:19:00.440 --> 0:19:02.360
<v Speaker 1>willing to step up into this new role because it's

0:19:02.880 --> 0:19:05.960
<v Speaker 1>there's space and there's need for more financial empathy.

0:19:06.160 --> 0:19:11.679
<v Speaker 2>More Yes that note, I think we should take a

0:19:11.680 --> 0:19:13.360
<v Speaker 2>whosan a break. Everybody, take a deep breath.

0:19:13.400 --> 0:19:55.600
<v Speaker 4>Then we'll be back after these important messages, and.

0:19:55.320 --> 0:19:59.000
<v Speaker 2>We're back for questions. You know, this is my favorite

0:19:59.000 --> 0:19:59.400
<v Speaker 2>part of the.

0:19:59.320 --> 0:20:02.080
<v Speaker 3>Show because you can ask us any kind of question

0:20:02.160 --> 0:20:07.920
<v Speaker 3>you like, questions about finance, business, career, and life all around.

0:20:08.080 --> 0:20:09.680
<v Speaker 3>We'll do our best to answer them. Although we are

0:20:09.680 --> 0:20:10.760
<v Speaker 3>not experts.

0:20:11.160 --> 0:20:13.560
<v Speaker 1>I mean, we're not your financial planner at the end

0:20:13.560 --> 0:20:15.760
<v Speaker 1>of the day, and anything that we say here right

0:20:15.840 --> 0:20:19.560
<v Speaker 1>is like general you know, information that we have collected

0:20:19.600 --> 0:20:24.159
<v Speaker 1>over years, decades of experience collectively. So don't take anything

0:20:24.200 --> 0:20:27.240
<v Speaker 1>we say, you know to the letter. Always do what's

0:20:27.280 --> 0:20:30.040
<v Speaker 1>best for you. But we do love getting all us questions,

0:20:30.080 --> 0:20:32.280
<v Speaker 1>and in fact, we're just talking about shame. If you

0:20:32.359 --> 0:20:35.200
<v Speaker 1>are a shamed you should feel like when you submit

0:20:35.240 --> 0:20:37.040
<v Speaker 1>a question to Brian Ambition, even if it doesn't end

0:20:37.119 --> 0:20:39.200
<v Speaker 1>up on the show, I feel like even just typing

0:20:39.200 --> 0:20:41.199
<v Speaker 1>it out might make you feel better just putting it

0:20:41.200 --> 0:20:45.080
<v Speaker 1>down on paper. So consider us your your personal finance diary,

0:20:45.359 --> 0:20:47.600
<v Speaker 1>and you can always remain anonymous. We get lots of

0:20:47.600 --> 0:20:50.160
<v Speaker 1>anonymous questions. I think as people are a little bit embarrassed,

0:20:50.160 --> 0:20:53.040
<v Speaker 1>and that's perfectly fine. It's like your comfort level, but

0:20:53.119 --> 0:20:55.560
<v Speaker 1>do reach out to us. No question is too silly

0:20:55.880 --> 0:20:57.840
<v Speaker 1>and we love to hear from y'all, and it's also

0:20:57.880 --> 0:20:59.920
<v Speaker 1>a good way for us to understand what has happening

0:21:00.240 --> 0:21:01.920
<v Speaker 1>out in the world and what are people worried about

0:21:01.920 --> 0:21:04.520
<v Speaker 1>and concerned about. So I'll remind y'all where you can

0:21:04.560 --> 0:21:08.000
<v Speaker 1>find us. You can go to Brandambisson podcast dot com

0:21:08.200 --> 0:21:11.159
<v Speaker 1>and click ask us anything to send a question, or

0:21:11.200 --> 0:21:15.359
<v Speaker 1>you can hit us up directly on our Insta media

0:21:15.359 --> 0:21:20.520
<v Speaker 1>instant Media what Instagram account Brand Ambition Podcast on Insta

0:21:20.680 --> 0:21:23.480
<v Speaker 1>just slide into our dms there, or send us an

0:21:23.480 --> 0:21:28.840
<v Speaker 1>email directly Brand Ambisson Podcast at gmail dot com dot com.

0:21:28.880 --> 0:21:30.679
<v Speaker 1>And now I'm going to take a question from a

0:21:30.680 --> 0:21:33.000
<v Speaker 1>listener named Kayla. She actually hit us up through our

0:21:33.040 --> 0:21:35.800
<v Speaker 1>email Old school. Kayla's got a quick question, and actually

0:21:35.840 --> 0:21:39.360
<v Speaker 1>we were just talking about online brokerages last week when

0:21:39.359 --> 0:21:42.040
<v Speaker 1>we were talking about GameStop and the whole Robinhood fiasco.

0:21:42.160 --> 0:21:44.919
<v Speaker 1>So go check out episode two fifty one if you

0:21:45.040 --> 0:21:47.840
<v Speaker 1>haven't yet to catch up on all that. But Kyla's

0:21:47.880 --> 0:21:51.280
<v Speaker 1>question is, could you all give advice on the best

0:21:51.400 --> 0:21:55.240
<v Speaker 1>online broker for investing for beginners or platforms that you

0:21:55.359 --> 0:21:58.800
<v Speaker 1>are using or have used for investing that you like and.

0:21:58.720 --> 0:22:04.920
<v Speaker 2>Why Okaila, you got me?

0:22:05.040 --> 0:22:09.879
<v Speaker 3>Oh my niece actually Leila. But okay, so I'm not

0:22:09.920 --> 0:22:16.119
<v Speaker 3>gonna lie. I used to use but I know, I

0:22:16.200 --> 0:22:18.680
<v Speaker 3>know longer, I know longer I used it. When did

0:22:18.680 --> 0:22:21.600
<v Speaker 3>you stop holding robin Hood last week?

0:22:21.840 --> 0:22:28.399
<v Speaker 2>Okay, it would take the investigative journalist. I was like,

0:22:28.480 --> 0:22:33.200
<v Speaker 2>turn it, Mandy. I mean, it's just a couple of questions. No, no, no, no, no,

0:22:33.480 --> 0:22:35.000
<v Speaker 2>that's fine, that's fine.

0:22:35.600 --> 0:22:35.679
<v Speaker 1>No.

0:22:35.840 --> 0:22:39.639
<v Speaker 3>But I also like honestly, I also like Vanguard, but

0:22:39.720 --> 0:22:41.600
<v Speaker 3>I mean that's more like for a brokerage account.

0:22:43.119 --> 0:22:45.439
<v Speaker 1>Yeah, there are there are so many out there, but

0:22:45.640 --> 0:22:47.719
<v Speaker 1>just talk about like the ones you've used, and if

0:22:47.760 --> 0:22:51.560
<v Speaker 1>you left Robinhood. And I personally, long before I worked

0:22:51.560 --> 0:22:55.199
<v Speaker 1>with Ally, I had been using robin Hood, but I

0:22:55.240 --> 0:22:58.159
<v Speaker 1>got frustrated by the time it took to transfer funds

0:22:58.200 --> 0:23:02.040
<v Speaker 1>from my my bank account, which was Ally, and it

0:23:02.119 --> 0:23:03.879
<v Speaker 1>took like a few days to process. And when you

0:23:03.920 --> 0:23:05.800
<v Speaker 1>wanted to buy a stock, three days is I mean,

0:23:06.040 --> 0:23:07.560
<v Speaker 1>you don't know what could happen in three days. So

0:23:07.600 --> 0:23:10.600
<v Speaker 1>a good deal can instantly become like crazy, you know,

0:23:10.680 --> 0:23:13.800
<v Speaker 1>expensive three days later. So for me, the draw for

0:23:13.920 --> 0:23:17.240
<v Speaker 1>Ally was that they had they had launched Ally invest

0:23:17.280 --> 0:23:20.640
<v Speaker 1>and I finally hooked up to their online brokerage and

0:23:20.960 --> 0:23:22.919
<v Speaker 1>it's great. I mean it's there's a lot of them

0:23:22.960 --> 0:23:25.320
<v Speaker 1>out there, but for me as an ALLY customer, just

0:23:25.359 --> 0:23:28.560
<v Speaker 1>makes sense to connect it because it's super easy to

0:23:28.560 --> 0:23:30.080
<v Speaker 1>transfer money and I can see it all in one

0:23:30.119 --> 0:23:32.679
<v Speaker 1>place and it's all pretty. But in the past, I

0:23:32.720 --> 0:23:35.840
<v Speaker 1>too have used I still have robin Hood. I have

0:23:36.160 --> 0:23:39.200
<v Speaker 1>a bunch of Chewy shares because I love Chewi, which

0:23:39.200 --> 0:23:41.480
<v Speaker 1>is where I buy all of Molly's fancy dog food.

0:23:41.760 --> 0:23:43.280
<v Speaker 1>I have a bunch of shares there and I just

0:23:43.359 --> 0:23:45.919
<v Speaker 1>haven't done anything with them. I guess I should. I

0:23:45.920 --> 0:23:48.000
<v Speaker 1>don't know, what do you do if you got shares

0:23:48.000 --> 0:23:49.480
<v Speaker 1>at robin what did Yeah? What did you do with

0:23:49.520 --> 0:23:51.679
<v Speaker 1>your shares? Just leave them there? No?

0:23:51.880 --> 0:23:54.040
<v Speaker 3>So what I did was I was talking with Angelie

0:23:54.119 --> 0:23:58.879
<v Speaker 3>y'all know, my my amazing financial CFP, Yeah, certified financial planner,

0:23:59.200 --> 0:24:01.080
<v Speaker 3>and I was sharing with her like, Okay, I've got

0:24:01.160 --> 0:24:03.720
<v Speaker 3>you know this money at ALLY, I mean at robin Hood.

0:24:03.840 --> 0:24:06.000
<v Speaker 3>But then she and my husband and I we were

0:24:06.040 --> 0:24:08.720
<v Speaker 3>having a conversation about I wanted to be to do

0:24:08.800 --> 0:24:12.040
<v Speaker 3>more conscious giving because I give now now anyway, but

0:24:12.119 --> 0:24:13.760
<v Speaker 3>like it'll kind of be like, oh, there's a cause,

0:24:13.760 --> 0:24:15.639
<v Speaker 3>here's some money. Oh there's a cause, here's some money.

0:24:15.720 --> 0:24:18.720
<v Speaker 3>But I wanted to set aside actual funds to be intentional,

0:24:19.080 --> 0:24:21.080
<v Speaker 3>and so she was like, well, one of the things

0:24:21.080 --> 0:24:23.760
<v Speaker 3>that I forget what she called it, there's a specific

0:24:23.800 --> 0:24:27.320
<v Speaker 3>type of account that I'm rolling over my you know,

0:24:27.520 --> 0:24:29.840
<v Speaker 3>like those like because I you know, I don't know

0:24:29.840 --> 0:24:33.320
<v Speaker 3>everybody's I feel like everybody's everybody's stocks have gone up.

0:24:33.440 --> 0:24:37.120
<v Speaker 3>So I'm rolling over that's those stocks into a specific

0:24:37.160 --> 0:24:40.399
<v Speaker 3>type of giving account so I can start to use

0:24:40.440 --> 0:24:42.080
<v Speaker 3>that money to give. I want to you know, I

0:24:42.119 --> 0:24:44.480
<v Speaker 3>want to give, like, you know, a significant amount of

0:24:44.520 --> 0:24:47.119
<v Speaker 3>money every year, and I want to fund that account.

0:24:47.119 --> 0:24:50.520
<v Speaker 3>So I'm using my ally stocks to fund that account.

0:24:50.240 --> 0:24:52.159
<v Speaker 1>Okay, or your robin Hood stocks you.

0:24:52.200 --> 0:24:54.800
<v Speaker 2>Mean, yeah, that's what I mean, my robin Hood jock.

0:24:55.520 --> 0:25:03.680
<v Speaker 1>How many times can she sa.

0:25:00.760 --> 0:25:04.399
<v Speaker 2>Darn you Mandrad.

0:25:04.640 --> 0:25:08.520
<v Speaker 1>So transferred you're so you can? Did you cash them out?

0:25:08.680 --> 0:25:11.639
<v Speaker 3>Was They're like, yeah, no, I'm going to ask the

0:25:11.720 --> 0:25:13.320
<v Speaker 3>name of it because she said it and I totally forgot.

0:25:13.400 --> 0:25:15.240
<v Speaker 2>But I don't actually have to do anything.

0:25:15.359 --> 0:25:18.120
<v Speaker 3>I gave her, so, yes, they're gonna roll it over

0:25:18.320 --> 0:25:21.280
<v Speaker 3>and basically dissolve them. But I don't because you know,

0:25:21.320 --> 0:25:23.040
<v Speaker 3>when you people don't realize you know, you're buying and

0:25:23.080 --> 0:25:25.639
<v Speaker 3>selling and buying and selling, you are there's capital gains

0:25:25.640 --> 0:25:29.520
<v Speaker 3>tax that you have to pay. But because I'm dissolving

0:25:29.520 --> 0:25:32.399
<v Speaker 3>them and putting them into like this this like giving account,

0:25:32.440 --> 0:25:33.760
<v Speaker 3>and I'll be giving it away by the end of

0:25:33.760 --> 0:25:35.760
<v Speaker 3>the year, then I'm not going to have to worry

0:25:35.760 --> 0:25:38.919
<v Speaker 3>about the taxes on them. I forgot the name of

0:25:38.960 --> 0:25:40.840
<v Speaker 3>the account. It was a specific type of account that

0:25:40.880 --> 0:25:42.200
<v Speaker 3>she said, and I was like, oh, okay, that sounds

0:25:42.240 --> 0:25:44.040
<v Speaker 3>good because I had I'm not gonna lie. I had

0:25:44.040 --> 0:25:45.439
<v Speaker 3>a good amount of money and there I had about

0:25:45.680 --> 0:25:49.919
<v Speaker 3>forty thousand dollars I know, which My sister is like, girl,

0:25:50.160 --> 0:25:52.600
<v Speaker 3>you're supposed to Robinhood is for play money.

0:25:52.680 --> 0:25:53.040
<v Speaker 1>The heck.

0:25:53.520 --> 0:25:57.040
<v Speaker 3>I was like, hey know, because here's what happened years

0:25:57.080 --> 0:25:59.520
<v Speaker 3>ago when it first came out. I didn't put that

0:25:59.600 --> 0:26:01.320
<v Speaker 3>much money in there. But years ago, when it first

0:26:01.320 --> 0:26:03.360
<v Speaker 3>came out, I had an affiliate link and I shared it,

0:26:03.600 --> 0:26:05.560
<v Speaker 3>and so I got all this free stock, like a

0:26:05.640 --> 0:26:08.040
<v Speaker 3>lot of free stock. So I would say probably like

0:26:08.119 --> 0:26:11.160
<v Speaker 3>I don't know, you know, at least a third, if

0:26:11.200 --> 0:26:13.200
<v Speaker 3>not half, of it was from that those that free stock.

0:26:13.240 --> 0:26:15.480
<v Speaker 3>And then you know, you know, everybody like the stock

0:26:15.520 --> 0:26:16.760
<v Speaker 3>market has been crazy.

0:26:16.480 --> 0:26:18.320
<v Speaker 2>But you know, at the end of the day, it's

0:26:18.359 --> 0:26:18.800
<v Speaker 2>gone up.

0:26:19.119 --> 0:26:21.160
<v Speaker 3>And so like, I think my return over the last

0:26:21.240 --> 0:26:23.199
<v Speaker 3>four or five years or however long you know I

0:26:23.240 --> 0:26:26.640
<v Speaker 3>had that account was like sixty something percent. So damn,

0:26:26.960 --> 0:26:28.320
<v Speaker 3>it just goes to show you. So I didn't put

0:26:28.359 --> 0:26:30.600
<v Speaker 3>I didn't put forty thousand dollars in. It grew to

0:26:30.680 --> 0:26:32.600
<v Speaker 3>forty and a lot of that was stock that I want,

0:26:32.600 --> 0:26:36.800
<v Speaker 3>that I basically earned through my affiliate link, that you bought.

0:26:36.920 --> 0:26:38.800
<v Speaker 1>It's just a really good you know, because people think

0:26:38.840 --> 0:26:40.920
<v Speaker 1>of robin Hood as Okay, I'm gonna go buy the

0:26:40.960 --> 0:26:45.119
<v Speaker 1>hot stock today, I'm gonna make money tomorrow. But you really,

0:26:45.160 --> 0:26:47.720
<v Speaker 1>like the bulk of your returns have come from stock

0:26:47.760 --> 0:26:49.760
<v Speaker 1>that you were even though you didn't buy it, like

0:26:49.800 --> 0:26:52.600
<v Speaker 1>you were given one of like years ago, a couple

0:26:52.600 --> 0:26:53.080
<v Speaker 1>of years ago.

0:26:53.240 --> 0:26:55.440
<v Speaker 2>Yeah, and when robin Hood first opened.

0:26:55.400 --> 0:26:57.880
<v Speaker 1>And grew over time, So hey, y'all have long term

0:26:57.880 --> 0:27:02.359
<v Speaker 1>investing strategy from and that's the way that I've you know,

0:27:02.480 --> 0:27:04.440
<v Speaker 1>Robinhood has been my play money account. I don't really

0:27:04.480 --> 0:27:06.679
<v Speaker 1>check it that often, but damn my shoe, my showy shares.

0:27:07.440 --> 0:27:11.679
<v Speaker 1>I'm a genius anyway. Uh but yeah for me online brokerages,

0:27:11.880 --> 0:27:13.520
<v Speaker 1>I don't think the only thing, the only way that

0:27:13.560 --> 0:27:15.199
<v Speaker 1>I think you can go wrong when it comes to

0:27:15.400 --> 0:27:18.399
<v Speaker 1>investing online is just not doing it at all and

0:27:18.440 --> 0:27:20.520
<v Speaker 1>just keeping your money parked in cash, way too much

0:27:20.520 --> 0:27:23.480
<v Speaker 1>money parked in cash, because ultimately you need to get

0:27:23.600 --> 0:27:27.280
<v Speaker 1>you want to start investing, and that's because you know,

0:27:27.359 --> 0:27:31.000
<v Speaker 1>it is really one of the few proven ways to

0:27:31.160 --> 0:27:35.040
<v Speaker 1>build wealth that is genuinely more accessible to you know,

0:27:35.400 --> 0:27:39.040
<v Speaker 1>mass mass americaa like most people. Then a lot of

0:27:39.040 --> 0:27:41.639
<v Speaker 1>people realize. And that's whether that's three or four to

0:27:41.680 --> 0:27:43.520
<v Speaker 1>one K, which a lot of people have access to

0:27:43.560 --> 0:27:46.720
<v Speaker 1>through their employer, or just yes, starting a Vanguard account

0:27:46.960 --> 0:27:49.920
<v Speaker 1>or yes if Robinhood is the is an easy thing

0:27:49.960 --> 0:27:52.160
<v Speaker 1>for you to open, or you already have a bank

0:27:52.160 --> 0:27:55.119
<v Speaker 1>account and they have an online brokerage that's commission free

0:27:55.240 --> 0:27:55.800
<v Speaker 1>or whatever.

0:27:56.240 --> 0:27:59.280
<v Speaker 3>Opening some things about sash right because you can buy

0:27:59.359 --> 0:28:02.280
<v Speaker 3>I think you can buy fractional state shares via stash. Yes,

0:28:02.359 --> 0:28:04.080
<v Speaker 3>that's like if you don't have like the whole amount

0:28:04.119 --> 0:28:06.520
<v Speaker 3>you know you can. So if you're gonna if you're

0:28:06.760 --> 0:28:08.760
<v Speaker 3>here's the thing. If you are just going to practice,

0:28:08.760 --> 0:28:11.680
<v Speaker 3>there's a great td Ameritrade has this thing called sink

0:28:11.840 --> 0:28:14.720
<v Speaker 3>or sink or swim or is it think or swim

0:28:14.760 --> 0:28:16.120
<v Speaker 3>think or swim.

0:28:15.680 --> 0:28:19.640
<v Speaker 2>Where you can actually like practice with full money. Oh

0:28:19.680 --> 0:28:20.080
<v Speaker 2>that's so.

0:28:20.320 --> 0:28:23.360
<v Speaker 1>You're just I think Helen talked about that, like the simulator.

0:28:24.240 --> 0:28:26.200
<v Speaker 3>Yes, exactly, that's the word. I'm like, I swear I

0:28:26.240 --> 0:28:28.800
<v Speaker 3>have words. So basically it's a stock simulator, so you know,

0:28:28.880 --> 0:28:31.840
<v Speaker 3>for some months you can practice there, or if you're

0:28:31.840 --> 0:28:33.800
<v Speaker 3>not trying to get all fancy like buying and trading,

0:28:33.800 --> 0:28:37.639
<v Speaker 3>buying trading, but you know, buying selling stock. Honestly, you

0:28:37.680 --> 0:28:40.320
<v Speaker 3>can choose an index fund at like a Vanguard and

0:28:40.360 --> 0:28:42.560
<v Speaker 3>say here's my fifteen hundred two hundred bucks a month,

0:28:42.880 --> 0:28:45.360
<v Speaker 3>and i'd like to you know, the index i'd like

0:28:45.440 --> 0:28:47.840
<v Speaker 3>to mirror is s and P five hundred Dow Jones

0:28:48.160 --> 0:28:51.680
<v Speaker 3>NASDAC and just do that, you know, and that's super

0:28:51.720 --> 0:28:53.640
<v Speaker 3>super simple, and you'll be better off than most people

0:28:53.640 --> 0:28:57.480
<v Speaker 3>in sidebar Mandra my bad girl. I just looked at

0:28:57.480 --> 0:29:01.280
<v Speaker 3>my thing. I opened my account, rob her account. August fifth,

0:29:01.280 --> 0:29:06.880
<v Speaker 3>twenty sixteen, girl, I'm up ninety six points sixty five percent. Yes,

0:29:07.840 --> 0:29:10.240
<v Speaker 3>So like I said, and you have to think to yourself,

0:29:10.680 --> 0:29:12.600
<v Speaker 3>more than half of that money was probably from the

0:29:12.600 --> 0:29:14.920
<v Speaker 3>free stock, just from like me sending it out, So

0:29:15.240 --> 0:29:17.200
<v Speaker 3>that's a lot. That's why it's like, yeah, my capital

0:29:17.240 --> 0:29:19.880
<v Speaker 3>games would have been tremendos. So like I said, I'm

0:29:19.920 --> 0:29:23.200
<v Speaker 3>rolling it over. It's now technically I put in twenty

0:29:23.240 --> 0:29:25.560
<v Speaker 3>thousand dollars. You know, that includes a free stock, so

0:29:25.680 --> 0:29:27.680
<v Speaker 3>right now it's at forty thousand and so yeah, I

0:29:27.760 --> 0:29:28.880
<v Speaker 3>just I want to donate.

0:29:28.920 --> 0:29:30.680
<v Speaker 2>I want to choose my husband. I want to choose

0:29:30.680 --> 0:29:33.120
<v Speaker 2>like four different organizations that we like to give them

0:29:33.120 --> 0:29:33.640
<v Speaker 2>at least.

0:29:33.440 --> 0:29:37.320
<v Speaker 1>Ten diary doves, an application for the Tiffany Foundation.

0:29:39.600 --> 0:29:41.840
<v Speaker 3>I think for me, if you know me, for me anyway,

0:29:41.920 --> 0:29:43.960
<v Speaker 3>So twenty thousand, I'm going to decide for myself and

0:29:44.000 --> 0:29:46.560
<v Speaker 3>my husband will decide twenty thousand. I think for me.

0:29:46.680 --> 0:29:50.479
<v Speaker 3>Women and kids always have my you know, like in family.

0:29:50.560 --> 0:29:54.520
<v Speaker 3>So one I already know is you know Angela Vie McKnight.

0:29:54.600 --> 0:29:57.560
<v Speaker 3>She's the assembly woman who I did the budgetiese A

0:29:57.600 --> 0:30:02.560
<v Speaker 3>law with. So she's got this amazing food pantry program

0:30:02.760 --> 0:30:04.760
<v Speaker 3>where it's not what I love about it is it's

0:30:04.800 --> 0:30:07.760
<v Speaker 3>not just that you donate to the food pantry. She

0:30:07.760 --> 0:30:10.720
<v Speaker 3>she's got this nonprofit called Angela Cares where she then

0:30:10.840 --> 0:30:14.160
<v Speaker 3>also takes food to the elderly people, because just because

0:30:14.200 --> 0:30:16.240
<v Speaker 3>you have food at the food pantry, everyone can't make

0:30:16.240 --> 0:30:19.840
<v Speaker 3>it there, especially the elderly. So she has this amazing

0:30:19.920 --> 0:30:24.120
<v Speaker 3>program where she you know, collects the money, buys the food,

0:30:24.240 --> 0:30:27.920
<v Speaker 3>and then dispenses it by going to different households and

0:30:28.000 --> 0:30:31.640
<v Speaker 3>dropping it all. So she's definitely getting you know, like

0:30:31.720 --> 0:30:35.080
<v Speaker 3>one quarter of that. And there's a there's a homeless

0:30:35.120 --> 0:30:37.720
<v Speaker 3>shelter in newer called the Covenant House. Well it's not

0:30:37.720 --> 0:30:39.880
<v Speaker 3>only a homo shelter, it's more like a it's a

0:30:39.960 --> 0:30:40.880
<v Speaker 3>shelter for teens.

0:30:41.520 --> 0:30:45.600
<v Speaker 1>They're all over, but yeah, it's like at risk youth.

0:30:46.280 --> 0:30:47.960
<v Speaker 2>Yes that's what I'm saying. So it's not really a hombies.

0:30:48.080 --> 0:30:50.480
<v Speaker 3>So but I just like and I've spoken there before

0:30:50.480 --> 0:30:52.760
<v Speaker 3>and donated like my time there before, and just they

0:30:52.800 --> 0:30:53.760
<v Speaker 3>just do really great work.

0:30:53.960 --> 0:30:55.080
<v Speaker 2>So those are the two.

0:30:54.960 --> 0:30:57.120
<v Speaker 3>Places that I'm I'm wanting to put my money toward.

0:30:57.160 --> 0:30:58.520
<v Speaker 3>And then Superman is going to.

0:30:58.520 --> 0:31:00.480
<v Speaker 2>Decide like what he like the two places that he'd

0:31:00.520 --> 0:31:03.040
<v Speaker 2>like to. So, yeah, so no need to send me

0:31:03.080 --> 0:31:03.920
<v Speaker 2>your application.

0:31:05.880 --> 0:31:09.280
<v Speaker 1>Well that's no, that's amazing. And I mean five years

0:31:09.720 --> 0:31:13.040
<v Speaker 1>and very little. I mean, obviously you had the supercharge

0:31:13.480 --> 0:31:17.360
<v Speaker 1>capital from the from the affiliate links. But still, I think,

0:31:17.880 --> 0:31:20.040
<v Speaker 1>you know, if you have patience, you don't have to

0:31:20.080 --> 0:31:22.360
<v Speaker 1>be an investing genius. You just have to start now.

0:31:22.600 --> 0:31:25.320
<v Speaker 1>And you know, don't think that you've missed the boat.

0:31:25.680 --> 0:31:28.200
<v Speaker 1>Just get on it, you know, but just remember when

0:31:28.200 --> 0:31:30.960
<v Speaker 1>it comes to the way that these apps work. You know,

0:31:31.000 --> 0:31:34.000
<v Speaker 1>if you're really going to be picking stocks personally, Mandy

0:31:34.000 --> 0:31:38.640
<v Speaker 1>Woodruff would save you know, extra money for that type

0:31:38.680 --> 0:31:41.600
<v Speaker 1>of investment. And then I'm a very boring investor. And

0:31:41.840 --> 0:31:45.360
<v Speaker 1>I actually read an interesting there's a there's a person

0:31:45.400 --> 0:31:47.040
<v Speaker 1>who has a book coming out. I forget his name.

0:31:47.640 --> 0:31:50.880
<v Speaker 1>They had him on the Bodega Boys show recently. Oh,

0:31:50.960 --> 0:31:53.840
<v Speaker 1>Josh Brown. Josh Brown. He's a wealth manager. I forget

0:31:53.880 --> 0:31:56.640
<v Speaker 1>what Ritz Holt's management or something like that. He's pretty

0:31:56.640 --> 0:31:59.680
<v Speaker 1>big in finance. And he was talking about how, you know,

0:31:59.720 --> 0:32:01.560
<v Speaker 1>and the research for his book. He was like, I

0:32:01.560 --> 0:32:04.520
<v Speaker 1>want to interview financial planners who are actually helping the

0:32:04.520 --> 0:32:07.320
<v Speaker 1>billionaires invest their money about how they invest their money.

0:32:07.600 --> 0:32:10.360
<v Speaker 1>And what he's found and personally for himself too, is

0:32:10.440 --> 0:32:12.800
<v Speaker 1>like people who know how to invest money do it

0:32:12.840 --> 0:32:16.480
<v Speaker 1>the boring old way. Index funds, ETFs, like it is,

0:32:16.680 --> 0:32:20.320
<v Speaker 1>pick an index, you know, dollar cost averaging, which is

0:32:20.320 --> 0:32:22.239
<v Speaker 1>just a fancy way of saying, like Tiffany said, put

0:32:22.320 --> 0:32:25.280
<v Speaker 1>some money in there every month a set amount, which

0:32:25.280 --> 0:32:28.760
<v Speaker 1>is I have I have automatic payments to my one

0:32:28.760 --> 0:32:30.680
<v Speaker 1>of my brokerages accounts. I also have a Vanguard, so

0:32:30.680 --> 0:32:33.479
<v Speaker 1>I have auto payments to a fund there and you know,

0:32:33.560 --> 0:32:36.840
<v Speaker 1>auto to my ally invest account and that for me,

0:32:36.880 --> 0:32:38.600
<v Speaker 1>it's like take myself out of the equation and just

0:32:38.640 --> 0:32:42.320
<v Speaker 1>do it the old vanilla traditional way because that's really

0:32:42.800 --> 0:32:47.400
<v Speaker 1>you know, that's that for me personally, that is that

0:32:47.520 --> 0:32:49.400
<v Speaker 1>is the strategy and for a lot of people. Research

0:32:49.480 --> 0:32:52.680
<v Speaker 1>she has has promoted or not promoted, but has shown

0:32:52.680 --> 0:32:55.840
<v Speaker 1>that that is probably gonna work for most people. Yeah,

0:32:57.760 --> 0:32:59.440
<v Speaker 1>great question. And if you I feel like I need

0:32:59.480 --> 0:33:01.560
<v Speaker 1>to know what are the hot new I have, Stash

0:33:01.640 --> 0:33:04.200
<v Speaker 1>is new er, and then you have like your betterments,

0:33:04.240 --> 0:33:09.280
<v Speaker 1>your acorns, your your wealth fronts. I mean they're all

0:33:09.320 --> 0:33:12.440
<v Speaker 1>pretty similar. But ultimately what you want to do is,

0:33:12.720 --> 0:33:15.480
<v Speaker 1>you know, look at how much work is going to

0:33:15.480 --> 0:33:18.680
<v Speaker 1>be needed on your part, and you know what kind

0:33:18.680 --> 0:33:21.800
<v Speaker 1>of what kind of risks you're you're willing to take

0:33:21.840 --> 0:33:23.960
<v Speaker 1>on with these types of apps, and and also are

0:33:24.000 --> 0:33:25.440
<v Speaker 1>you ready for that step yet or do you need

0:33:25.440 --> 0:33:28.680
<v Speaker 1>to back up a couple and payoff debt, save a little,

0:33:29.000 --> 0:33:31.320
<v Speaker 1>or you know, start with your four one K because

0:33:31.320 --> 0:33:36.440
<v Speaker 1>you have a company match or something like that. All right, Kayla,

0:33:36.520 --> 0:33:38.400
<v Speaker 1>that was probably way more than you bargained for, but

0:33:39.440 --> 0:33:42.280
<v Speaker 1>good question. All right, Let's take one more. And this

0:33:42.480 --> 0:33:46.600
<v Speaker 1>comes from Instagram. This is Carrie Carrie from Delaware. She

0:33:46.600 --> 0:33:49.440
<v Speaker 1>says she's twenty one and currently a senior in college

0:33:49.440 --> 0:33:52.360
<v Speaker 1>getting ready to graduate. This may, oh great, I know

0:33:52.400 --> 0:33:56.240
<v Speaker 1>exactly how you feel because I too graduated into a

0:33:56.600 --> 0:33:59.560
<v Speaker 1>plunging economy. But you'll be all right, yes, and her

0:33:59.600 --> 0:34:02.120
<v Speaker 1>next tenses, I have the beautiful privilege of entering the

0:34:02.200 --> 0:34:05.200
<v Speaker 1>workforce during a print during a pandemic. I lost both

0:34:05.240 --> 0:34:07.120
<v Speaker 1>of my jobs at the beginning of the pandemic, and

0:34:07.160 --> 0:34:10.120
<v Speaker 1>I've had to rely on unemployment assistance during that time.

0:34:10.160 --> 0:34:12.080
<v Speaker 1>It was extremely hard and I don't ever want to

0:34:12.120 --> 0:34:15.719
<v Speaker 1>be in that position again. I recently discovered your podcast

0:34:15.920 --> 0:34:18.319
<v Speaker 1>and I want to do several things all at once,

0:34:18.360 --> 0:34:20.760
<v Speaker 1>but I want to figure out what I should focus

0:34:20.800 --> 0:34:23.520
<v Speaker 1>on first. I think I want to open a life

0:34:23.520 --> 0:34:26.960
<v Speaker 1>insurance policy. I want to start saving for retirement retirement.

0:34:27.280 --> 0:34:30.280
<v Speaker 1>I want to start a regular savings account, maybe invest

0:34:30.320 --> 0:34:33.200
<v Speaker 1>in stocks, and pay off my student loans. But I know,

0:34:33.320 --> 0:34:36.160
<v Speaker 1>being fresh out of college, that's a lot. Do you

0:34:36.200 --> 0:34:39.520
<v Speaker 1>guys have any advice on which one I should tackle first,

0:34:39.760 --> 0:34:42.000
<v Speaker 1>or any books I should check out to further research

0:34:42.160 --> 0:34:46.719
<v Speaker 1>educate myself about obtaining financial knowledge. I can think of

0:34:46.719 --> 0:34:47.240
<v Speaker 1>one book.

0:34:48.520 --> 0:34:54.240
<v Speaker 2>Yes, there is one called Get Good with Money, available

0:34:54.239 --> 0:34:55.879
<v Speaker 2>at get goodmoney dot com for pre order.

0:34:56.320 --> 0:34:58.360
<v Speaker 3>I mean it's written by this girl named Tiffany the

0:34:58.680 --> 0:35:02.759
<v Speaker 3>Budget Least that so, okay.

0:35:04.200 --> 0:35:06.000
<v Speaker 2>Put a bee on the capitol be on budget?

0:35:06.080 --> 0:35:09.399
<v Speaker 3>Yeah, no, no, I this is actually a really good

0:35:09.480 --> 0:35:13.239
<v Speaker 3>question because it does seem like a lot. It's like,

0:35:13.480 --> 0:35:14.840
<v Speaker 3>I want to do all the things, but what do

0:35:14.880 --> 0:35:16.399
<v Speaker 3>you start with first. It's like when you first start

0:35:16.400 --> 0:35:18.560
<v Speaker 3>cooking and you're like, what do I start cooking first?

0:35:18.560 --> 0:35:20.160
<v Speaker 3>Because you want everything to kind of be done around

0:35:20.200 --> 0:35:22.759
<v Speaker 3>the same time, Like, you know, do I put the

0:35:22.760 --> 0:35:24.719
<v Speaker 3>turkey in the oven first? If I start making this

0:35:24.719 --> 0:35:26.400
<v Speaker 3>stuff in too early, it's going to be cold by

0:35:26.560 --> 0:35:28.000
<v Speaker 3>by the time the rest.

0:35:27.840 --> 0:35:28.640
<v Speaker 2>Of the food is done.

0:35:30.920 --> 0:35:33.719
<v Speaker 3>I like to start with like the basics, Like I

0:35:33.880 --> 0:35:36.759
<v Speaker 3>like to start with what I call the financial fundamentals

0:35:36.760 --> 0:35:38.279
<v Speaker 3>to kind of get like a baseline of where I

0:35:38.280 --> 0:35:41.160
<v Speaker 3>am before I start jumping into fancy stuff like let

0:35:41.200 --> 0:35:43.000
<v Speaker 3>me get my budget in order, let me get like

0:35:43.040 --> 0:35:46.040
<v Speaker 3>this kind of saving plan in place. You know, how's

0:35:46.080 --> 0:35:48.840
<v Speaker 3>my credit score looking. You don't need to do anything

0:35:48.880 --> 0:35:50.719
<v Speaker 3>special other than if you pay your bills on time,

0:35:50.800 --> 0:35:52.600
<v Speaker 3>your your credit score for the most part, will start

0:35:52.600 --> 0:35:55.799
<v Speaker 3>to raise. And you know there, you know, you can

0:35:55.840 --> 0:35:58.080
<v Speaker 3>certainly take a look at your debt to see where

0:35:58.120 --> 0:35:58.680
<v Speaker 3>you stand.

0:35:59.160 --> 0:36:01.360
<v Speaker 2>But a lot of people wait.

0:36:01.520 --> 0:36:05.480
<v Speaker 3>And I've seen folks wait to start putting aside and

0:36:05.560 --> 0:36:08.200
<v Speaker 3>investing money for retirement.

0:36:08.480 --> 0:36:11.200
<v Speaker 2>And to me, that's a big mistake, huge mistake.

0:36:11.760 --> 0:36:13.560
<v Speaker 3>I saw me the other day, Mandy, and it was like,

0:36:14.239 --> 0:36:17.520
<v Speaker 3>if you could tell your eighteen year old self just

0:36:17.560 --> 0:36:19.680
<v Speaker 3>three words, like you know, you travel back in time,

0:36:19.920 --> 0:36:21.839
<v Speaker 3>You're like, oh my god, okay, I just came.

0:36:21.920 --> 0:36:23.480
<v Speaker 2>It's me from the future. You know, it's me. Look

0:36:23.520 --> 0:36:23.640
<v Speaker 2>at it.

0:36:23.719 --> 0:36:25.839
<v Speaker 3>We look at like I have an age one bid

0:36:27.120 --> 0:36:28.920
<v Speaker 3>I have three words for you. Obviously, that's a lot

0:36:28.920 --> 0:36:31.720
<v Speaker 3>more than three words. But whatever, I have three words

0:36:31.760 --> 0:36:34.520
<v Speaker 3>for you, what would they be for me? They would

0:36:34.520 --> 0:36:40.800
<v Speaker 3>be learn to invest. I wish I'd started earlier, because

0:36:41.640 --> 0:36:45.759
<v Speaker 3>you know, just there's nothing more powerful than time when

0:36:45.760 --> 0:36:49.000
<v Speaker 3>it comes to investing. And people say saved for retirement,

0:36:49.040 --> 0:36:51.800
<v Speaker 3>but you're not really saving for retirement. You're really investing

0:36:51.840 --> 0:36:55.239
<v Speaker 3>for retirement. But once you get your financial foundation kind

0:36:55.239 --> 0:36:58.080
<v Speaker 3>of like in place like where do I stand really

0:36:58.200 --> 0:37:02.359
<v Speaker 3>leaning into setting aside investing money in retirement is where

0:37:02.400 --> 0:37:05.360
<v Speaker 3>where I put most of my energy beyond the financial

0:37:05.360 --> 0:37:07.000
<v Speaker 3>foundation stuff.

0:37:07.440 --> 0:37:10.879
<v Speaker 1>Yeah, I love that, and I agree in the sense

0:37:10.920 --> 0:37:14.240
<v Speaker 1>that twenty one is not too young to start investing.

0:37:14.400 --> 0:37:16.359
<v Speaker 1>You know, I think, I mean, there's kids, you have

0:37:16.600 --> 0:37:19.120
<v Speaker 1>little custodial accounts and they're investing. I mean, I think

0:37:19.120 --> 0:37:21.040
<v Speaker 1>I shared that story last week about the little boy

0:37:21.040 --> 0:37:23.680
<v Speaker 1>who was ten and his mom bought him sixty shares

0:37:23.680 --> 0:37:26.799
<v Speaker 1>of game stock, game stop stock or something like that,

0:37:26.920 --> 0:37:29.480
<v Speaker 1>and you know, he made three thousand dollars at age ten.

0:37:29.760 --> 0:37:32.480
<v Speaker 1>That's beautiful. And imagine if he and he and he

0:37:32.560 --> 0:37:35.319
<v Speaker 1>took that money and he you know, reinvested in others.

0:37:35.320 --> 0:37:36.640
<v Speaker 1>So who knows where he's going to be in another

0:37:36.880 --> 0:37:39.200
<v Speaker 1>ten years when he's twenty all of twenty years old.

0:37:39.520 --> 0:37:41.640
<v Speaker 1>So yeah, I would say even if you have I know,

0:37:41.680 --> 0:37:44.000
<v Speaker 1>you said that you've lost your job, but you're also

0:37:44.239 --> 0:37:45.680
<v Speaker 1>I think, being a student, you're in a bit of

0:37:45.680 --> 0:37:48.279
<v Speaker 1>a honeymoon phase. You know, even if let's say the

0:37:48.320 --> 0:37:51.399
<v Speaker 1>pandemic wasn't here. You know, you have a grace period

0:37:51.440 --> 0:37:53.640
<v Speaker 1>before your student loans are going to be due, and

0:37:53.840 --> 0:37:56.440
<v Speaker 1>you will find a job. I hope you will. Well, okay,

0:37:56.640 --> 0:37:58.759
<v Speaker 1>I really hope you'll find a job. It's you sound

0:37:58.800 --> 0:38:01.200
<v Speaker 1>super smart. I can't imagine why you wouldn't get a job.

0:38:01.640 --> 0:38:04.000
<v Speaker 1>You will. When you find your first job, you will

0:38:04.040 --> 0:38:07.399
<v Speaker 1>pay attention like I did not do, where the four

0:38:07.440 --> 0:38:09.600
<v Speaker 1>to one K is and how you can sign up

0:38:09.640 --> 0:38:11.680
<v Speaker 1>for it, or you know, just based on the fact

0:38:11.680 --> 0:38:14.080
<v Speaker 1>that you're listening to Brown Ambition, you'll know that you

0:38:14.080 --> 0:38:16.480
<v Speaker 1>can open up a brokerage account, you know, through a

0:38:16.560 --> 0:38:20.399
<v Speaker 1>Vanguard or you know, through any other platform and get

0:38:20.400 --> 0:38:24.040
<v Speaker 1>your excuse me, get your IRA if you don't have

0:38:24.080 --> 0:38:25.799
<v Speaker 1>access to a four oh one K, and you can

0:38:25.800 --> 0:38:28.200
<v Speaker 1>start automatically when you get your first paycheck or when

0:38:28.200 --> 0:38:30.920
<v Speaker 1>you get your you know, start getting money from side

0:38:30.960 --> 0:38:33.400
<v Speaker 1>hustles or whatnot. You can start contributing to that, and

0:38:33.440 --> 0:38:34.799
<v Speaker 1>you can do it at the same time. You know

0:38:34.880 --> 0:38:37.040
<v Speaker 1>you can you can invest a little maybe it's a

0:38:37.040 --> 0:38:39.319
<v Speaker 1>little now, and then you're also at the same time

0:38:39.719 --> 0:38:41.919
<v Speaker 1>taking a share of that and putting it into your

0:38:42.000 --> 0:38:45.440
<v Speaker 1>savings fund so that you, yes, your actual savings fund.

0:38:45.480 --> 0:38:48.640
<v Speaker 1>You know the money that you're going to need if you,

0:38:48.640 --> 0:38:50.080
<v Speaker 1>you know, get a flat tire on the way to

0:38:50.120 --> 0:38:52.799
<v Speaker 1>work one day, or you lose a job, you need

0:38:52.840 --> 0:38:55.239
<v Speaker 1>to cover rent for one month while you, you know,

0:38:55.239 --> 0:38:57.279
<v Speaker 1>look for another one. You do want to have some

0:38:57.360 --> 0:38:58.839
<v Speaker 1>money because you don't want to get into the debt

0:38:58.920 --> 0:39:03.440
<v Speaker 1>trap too or And I fell for this, thankfully, not

0:39:03.640 --> 0:39:05.799
<v Speaker 1>to an intense degree, but I did have a couple

0:39:05.880 --> 0:39:08.760
<v Speaker 1>thousand dollars worth of credit card debt when I graduated

0:39:08.840 --> 0:39:11.560
<v Speaker 1>college for no good reason, like literally, I had no

0:39:11.640 --> 0:39:13.440
<v Speaker 1>reason to. I just wanted to go to Boston for

0:39:13.440 --> 0:39:16.319
<v Speaker 1>New Year's Eve, okay, and they upped my credit limit

0:39:16.360 --> 0:39:18.360
<v Speaker 1>and I was like, cool, I will spend all of

0:39:18.360 --> 0:39:21.240
<v Speaker 1>that right now. And that was not the wisest decision.

0:39:21.800 --> 0:39:24.600
<v Speaker 1>But yeah, if you just focus on not taking on

0:39:24.680 --> 0:39:28.040
<v Speaker 1>debt and building up your savings, you can do those

0:39:28.080 --> 0:39:30.040
<v Speaker 1>two things at one time. You know, start investing and

0:39:30.040 --> 0:39:34.080
<v Speaker 1>then also saving, and it's okay to be a financial multitasker.

0:39:34.480 --> 0:39:37.280
<v Speaker 1>Just don't. Yeah, And for me, it's just more about

0:39:37.360 --> 0:39:39.640
<v Speaker 1>it's about what happens if you don't start, like Tiffany said,

0:39:39.680 --> 0:39:43.560
<v Speaker 1>and also not not being hard on yourself. If you're

0:39:43.600 --> 0:39:46.480
<v Speaker 1>not instantly, it's going to take time to season. You know,

0:39:46.560 --> 0:39:48.960
<v Speaker 1>think of it like a really good long I don't

0:39:49.000 --> 0:39:52.640
<v Speaker 1>know Turkey's take forever, but imagine like, yeah, you need long,

0:39:52.719 --> 0:39:54.640
<v Speaker 1>long time for that money to season in the stock

0:39:54.680 --> 0:39:57.879
<v Speaker 1>market and set it forget it, and in ten years

0:39:57.960 --> 0:40:02.440
<v Speaker 1>you will be so happy that you did. Yeah, I'm excited.

0:40:03.120 --> 0:40:04.520
<v Speaker 1>I love that you have a fresh start.

0:40:05.440 --> 0:40:08.759
<v Speaker 3>Yes, And honestly, yeah, you're in a great place to

0:40:08.800 --> 0:40:11.759
<v Speaker 3>even be asking yourself these questions because some people, you know,

0:40:11.840 --> 0:40:13.120
<v Speaker 3>if they put it off, and they put it off

0:40:13.160 --> 0:40:15.239
<v Speaker 3>and it happens, you know, certainly I did, And it

0:40:15.280 --> 0:40:17.600
<v Speaker 3>doesn't mean you won't. It won't turn out well for you.

0:40:17.680 --> 0:40:19.480
<v Speaker 3>But the sooner you can start, the better.

0:40:19.960 --> 0:40:24.480
<v Speaker 1>Amen, And definitely find someone in your friend circle who's

0:40:24.520 --> 0:40:26.239
<v Speaker 1>on the same path you are, and then you guys

0:40:26.239 --> 0:40:29.040
<v Speaker 1>can swap notes. I've always had a friend in my

0:40:29.120 --> 0:40:31.600
<v Speaker 1>life who listens to the show, Hey Baron, and he

0:40:31.680 --> 0:40:33.560
<v Speaker 1>and I have always just we had an agreement when

0:40:33.560 --> 0:40:35.360
<v Speaker 1>we graduated and moved to New York. I'm going to

0:40:35.440 --> 0:40:36.719
<v Speaker 1>tell you what I make. You're gonna tell me what

0:40:36.760 --> 0:40:38.480
<v Speaker 1>you make. We're going to share that kind of information.

0:40:38.560 --> 0:40:40.239
<v Speaker 1>We're going to talk about our savings, goals, We're going

0:40:40.280 --> 0:40:42.680
<v Speaker 1>to talk about you know, it goes to what Tiffany

0:40:42.719 --> 0:40:45.600
<v Speaker 1>was saying earlier about putting voice to fear and to shame.

0:40:45.719 --> 0:40:48.640
<v Speaker 1>And I don't know it just it always felt good

0:40:49.120 --> 0:40:51.560
<v Speaker 1>that he and I could hop on the phone and

0:40:51.600 --> 0:40:54.799
<v Speaker 1>talk through you know, a tricky negotiation or you know,

0:40:54.920 --> 0:40:57.920
<v Speaker 1>whatever was happening as we as we made our plans.

0:40:58.000 --> 0:41:00.720
<v Speaker 1>And if you haven't found some want like a buddy

0:41:00.840 --> 0:41:03.000
<v Speaker 1>to share those types of things with, that'll that'll go

0:41:03.239 --> 0:41:05.319
<v Speaker 1>a long way too toward keeping you on track.

0:41:05.800 --> 0:41:08.960
<v Speaker 2>And that, my dear, is advice sounds.

0:41:09.040 --> 0:41:12.960
<v Speaker 1>Those are all the answers. You're welcome. You are very welcome.

0:41:13.560 --> 0:41:18.440
<v Speaker 1>Sweet All right, man, one last segment before we part.

0:41:18.880 --> 0:41:20.600
<v Speaker 1>Are you boosting or are you breaking?

0:41:22.160 --> 0:41:29.160
<v Speaker 3>Oh child, I I think I'm going to break.

0:41:30.120 --> 0:41:32.359
<v Speaker 1>Okay, go get it off your chest.

0:41:32.960 --> 0:41:33.920
<v Speaker 2>It's a stay and space.

0:41:34.080 --> 0:41:35.719
<v Speaker 1>It's okay, we created this.

0:41:37.000 --> 0:41:38.160
<v Speaker 2>I'm tired being home.

0:41:38.520 --> 0:41:41.560
<v Speaker 3>Okay, me someone who loves being of y'all know me.

0:41:41.760 --> 0:41:44.360
<v Speaker 3>I love me some home, any home, home home. I

0:41:44.360 --> 0:41:46.600
<v Speaker 3>don't like to go out, you know, I've got friends.

0:41:46.600 --> 0:41:49.160
<v Speaker 3>I'm like, come here, you know, I'm all I'm miss

0:41:49.200 --> 0:41:50.160
<v Speaker 3>who's all over there?

0:41:50.280 --> 0:41:50.480
<v Speaker 2>You know.

0:41:51.160 --> 0:41:55.640
<v Speaker 3>But finally I'm sick of my own self. And honestly,

0:41:55.880 --> 0:41:58.160
<v Speaker 3>I kind of hit a wall. I literally put my

0:41:58.200 --> 0:42:00.759
<v Speaker 3>mask on this weekend, and I on Sunday, I just

0:42:00.800 --> 0:42:04.359
<v Speaker 3>went to Target just to walk, just because you know, Target.

0:42:04.120 --> 0:42:06.600
<v Speaker 2>Is my happy place. I literally went.

0:42:06.680 --> 0:42:09.520
<v Speaker 3>I took my children's book Happy Birthday Mollymore with me

0:42:09.560 --> 0:42:11.279
<v Speaker 3>and I may or may not have put it on

0:42:11.360 --> 0:42:14.719
<v Speaker 3>the children's book wall at Target and took pictures like

0:42:14.800 --> 0:42:15.799
<v Speaker 3>you know, it belonged there.

0:42:15.800 --> 0:42:17.040
<v Speaker 1>It was like wait, and.

0:42:17.000 --> 0:42:20.560
<v Speaker 2>As kids walking, did you leave it there? I do that.

0:42:21.080 --> 0:42:22.680
<v Speaker 2>I always do that, like place.

0:42:22.840 --> 0:42:25.000
<v Speaker 3>I'm like all my books I have put them on

0:42:25.040 --> 0:42:26.960
<v Speaker 3>the walk because I'm like one day, you know, it's

0:42:27.000 --> 0:42:27.640
<v Speaker 3>so crazy.

0:42:27.960 --> 0:42:29.120
<v Speaker 2>This is just a funny story.

0:42:29.200 --> 0:42:33.239
<v Speaker 3>But I when my first book, When week Budget, came out,

0:42:33.880 --> 0:42:36.240
<v Speaker 3>I did a whole photo shoot at Barnes and Nobles.

0:42:36.280 --> 0:42:38.480
<v Speaker 3>I didn't know you couldn't. So we went to the bathroom.

0:42:38.520 --> 0:42:40.680
<v Speaker 3>I got dressed. My friend Lauren, who's a makeup artist,

0:42:40.719 --> 0:42:44.360
<v Speaker 3>did my makeup. My friend Ricky, who's who's a budding photographer.

0:42:44.360 --> 0:42:45.400
<v Speaker 3>He was like, you know, I want to you know,

0:42:45.400 --> 0:42:47.200
<v Speaker 3>I've got this new camera. I want to practice. Do

0:42:47.239 --> 0:42:49.560
<v Speaker 3>you have pictures? That's a no, he was. This is

0:42:49.680 --> 0:42:52.719
<v Speaker 3>literally probably like eleven years ago. And he was like,

0:42:52.800 --> 0:42:55.080
<v Speaker 3>you know, well, let's take pictures at Barnes and Nobles.

0:42:55.120 --> 0:42:57.319
<v Speaker 3>And I was like, okay, I'll wake my book put

0:42:57.400 --> 0:42:59.600
<v Speaker 3>a bunch of them on the shelves. Literally in my

0:42:59.640 --> 0:43:03.040
<v Speaker 3>Sunday Best Mandy, I am standing from the shelf in

0:43:03.040 --> 0:43:07.200
<v Speaker 3>front of the personal finance sign taking pictures and then

0:43:07.239 --> 0:43:08.839
<v Speaker 3>the manager comes over says you can't do that.

0:43:08.880 --> 0:43:09.640
<v Speaker 2>I was like, wait what?

0:43:11.880 --> 0:43:14.760
<v Speaker 3>And so literally I give Ricky to look like keep

0:43:14.920 --> 0:43:15.800
<v Speaker 3>taking pictures.

0:43:15.800 --> 0:43:18.239
<v Speaker 2>I was like, I can't smile. Should I leave?

0:43:18.320 --> 0:43:21.439
<v Speaker 3>Smile? You don't say hand up when I tell you though,

0:43:21.480 --> 0:43:25.719
<v Speaker 3>those pictures are fine. And so when my actual when

0:43:25.760 --> 0:43:29.800
<v Speaker 3>my book, because like my other books have been self published,

0:43:29.800 --> 0:43:31.280
<v Speaker 3>so you know they don't go in Barnes and No books.

0:43:32.000 --> 0:43:34.240
<v Speaker 3>So when Geking with Money comes out and is actually

0:43:34.239 --> 0:43:36.600
<v Speaker 3>on the Barnes and Noble shelf. I'm gonna do how

0:43:36.640 --> 0:43:40.480
<v Speaker 3>it started, how it's going because it will actually be

0:43:40.560 --> 0:43:43.960
<v Speaker 3>there legally and for real, and I won't have to

0:43:44.000 --> 0:43:45.839
<v Speaker 3>just put it on the shelf anymore. So it's gonna

0:43:45.880 --> 0:43:48.440
<v Speaker 3>be like so crazy to see. Like Tiffany, I had

0:43:48.480 --> 0:43:51.960
<v Speaker 3>literally baby locks. They were like these little one interlocks,

0:43:51.960 --> 0:43:53.680
<v Speaker 3>and you know, like I said in my Sunday's Best

0:43:53.680 --> 0:43:55.920
<v Speaker 3>Standing next to my book, and you just know, behind

0:43:55.920 --> 0:43:57.920
<v Speaker 3>the scenes, there's a manager there telling me that.

0:43:58.000 --> 0:44:02.040
<v Speaker 1>Get out, that's break boo.

0:44:02.480 --> 0:44:05.000
<v Speaker 2>Yeah, exactly. Well, honestly, it's just I'm just tired.

0:44:05.000 --> 0:44:06.880
<v Speaker 3>And if you feel that way too, I'm sure that

0:44:06.960 --> 0:44:09.439
<v Speaker 3>it's just I'm not gonna lie. I don't I don't

0:44:09.440 --> 0:44:10.759
<v Speaker 3>know what to do. I don't know where to go.

0:44:11.080 --> 0:44:13.280
<v Speaker 3>I don't you know, I'm not gonna go on vacation.

0:44:14.000 --> 0:44:17.719
<v Speaker 3>The snow is three feet high, almost four feet high

0:44:17.719 --> 0:44:20.000
<v Speaker 3>here in some places. Usually I try, I try to

0:44:20.000 --> 0:44:22.000
<v Speaker 3>take a daily walk outside, and I can't do that

0:44:22.040 --> 0:44:25.080
<v Speaker 3>necessarily because it's just too it's just too snowy outside.

0:44:25.120 --> 0:44:27.480
<v Speaker 3>Everybody hasn't shovel, so it's been a little bit of

0:44:28.239 --> 0:44:30.680
<v Speaker 3>I guess I'm a little like what is that? Cabin

0:44:30.760 --> 0:44:34.719
<v Speaker 3>fever is what I'm feeling that. Oh my gosh, I

0:44:34.760 --> 0:44:36.279
<v Speaker 3>was on the treadmill today. I mean, I did you

0:44:36.280 --> 0:44:38.239
<v Speaker 3>know it was. The treadmill is great, but it's just,

0:44:39.160 --> 0:44:41.560
<v Speaker 3>you know, I'm barred. I needed I need a break.

0:44:41.560 --> 0:44:43.279
<v Speaker 3>I need to stretch my legs, go outside. I did

0:44:43.320 --> 0:44:43.920
<v Speaker 3>to see people.

0:44:44.120 --> 0:44:46.319
<v Speaker 1>Yeah, I need. I think we all need to see

0:44:46.360 --> 0:44:48.759
<v Speaker 1>some sparkle. Like the word sparkle is coming to me.

0:44:48.800 --> 0:44:52.200
<v Speaker 1>I'm just like I want some sparkle. Yes, So life

0:44:52.239 --> 0:44:54.640
<v Speaker 1>doesn't have much sparkle these days, that's for sure. We

0:44:54.680 --> 0:44:56.600
<v Speaker 1>have to or we have to work hard to create

0:44:56.640 --> 0:44:59.279
<v Speaker 1>the sparkle in a different way. I feel you. I

0:44:59.320 --> 0:45:00.719
<v Speaker 1>feel you. At the same time, I'm like, yeah, I

0:45:00.760 --> 0:45:04.399
<v Speaker 1>don't go anywhere, just just be. You know, targets cool,

0:45:04.400 --> 0:45:05.680
<v Speaker 1>but like you know, I like to go at nine

0:45:05.800 --> 0:45:07.799
<v Speaker 1>thirty before they close, like an hour and a half

0:45:07.800 --> 0:45:10.440
<v Speaker 1>before they close. It's all quiet, and you know, not

0:45:10.480 --> 0:45:13.480
<v Speaker 1>the many people. But I feel you. I'm gonna do

0:45:14.239 --> 0:45:17.360
<v Speaker 1>I'm gonna do a boost. I can't not boost my

0:45:18.239 --> 0:45:22.399
<v Speaker 1>my my cousin Anna, who moved here, left her life

0:45:22.400 --> 0:45:26.480
<v Speaker 1>in Georgia, and I used to babysit Anna and she

0:45:26.480 --> 0:45:29.000
<v Speaker 1>she was my I just love her so much. She

0:45:29.040 --> 0:45:31.000
<v Speaker 1>was she was one of my bridesmaids, Tiffany, if you remember,

0:45:31.040 --> 0:45:34.160
<v Speaker 1>she was with a baby, and I used to babysit

0:45:34.200 --> 0:45:36.200
<v Speaker 1>her when I graduated college and I did my whole

0:45:36.200 --> 0:45:38.960
<v Speaker 1>traveling thing and I came home broke af and I

0:45:39.000 --> 0:45:42.120
<v Speaker 1>lived in her family in my uncle's basement, and in

0:45:42.160 --> 0:45:44.799
<v Speaker 1>exchange for free lodging, I would be a babysitter for

0:45:44.880 --> 0:45:49.480
<v Speaker 1>their for Anna and her sister and brother. And Anna

0:45:49.600 --> 0:45:51.840
<v Speaker 1>is like in her early twenties now and feeling a

0:45:51.840 --> 0:45:54.600
<v Speaker 1>little bit stuck too with kind of where she's going

0:45:54.680 --> 0:45:57.959
<v Speaker 1>getting her career off to you know, a strong start

0:45:58.000 --> 0:46:00.120
<v Speaker 1>and all of that. So I was like, listen, I

0:46:00.120 --> 0:46:02.560
<v Speaker 1>feel like we could mutually benefit from a certain arrangement.

0:46:02.640 --> 0:46:05.839
<v Speaker 1>So you're gonna come live here and it's gonna be great,

0:46:05.880 --> 0:46:07.719
<v Speaker 1>and you're gonna help take care of the baby when

0:46:07.760 --> 0:46:12.280
<v Speaker 1>I start this new job. And she has been just amazing.

0:46:12.280 --> 0:46:14.759
<v Speaker 1>I didn't realize how much I missed. Just it's just

0:46:14.760 --> 0:46:17.120
<v Speaker 1>different when you have family, like just someone that knows

0:46:17.160 --> 0:46:20.759
<v Speaker 1>me that I've known her her whole life, and it's

0:46:20.840 --> 0:46:23.839
<v Speaker 1>just she's great with the baby. And I've been in

0:46:23.840 --> 0:46:27.000
<v Speaker 1>this basement in my Zenden all day almost and Anna

0:46:27.080 --> 0:46:29.479
<v Speaker 1>has just been holding it down up there with Rio,

0:46:29.600 --> 0:46:32.839
<v Speaker 1>and I am just so grateful to her and all

0:46:32.880 --> 0:46:34.600
<v Speaker 1>the mommies out there who are trying to make it

0:46:35.040 --> 0:46:38.799
<v Speaker 1>happen with the human the humans we need to uh

0:46:38.840 --> 0:46:42.080
<v Speaker 1>the tiny humans to keep alive. So that's my break,

0:46:42.120 --> 0:46:45.719
<v Speaker 1>I mean, my boost rather to Anna and to some

0:46:45.840 --> 0:46:47.040
<v Speaker 1>childcare that I can trust.

0:46:47.520 --> 0:46:53.040
<v Speaker 3>Finally, yeay, I know there's nothing like honestly like trustworthy childcare.

0:46:53.880 --> 0:46:56.279
<v Speaker 3>You know, when you can leave your kid and know

0:46:56.440 --> 0:46:59.279
<v Speaker 3>that they're literally in just as good a hands as

0:46:59.320 --> 0:47:00.080
<v Speaker 3>if they were with you.

0:47:00.080 --> 0:47:01.279
<v Speaker 1>You yeah, you know.

0:47:01.520 --> 0:47:03.799
<v Speaker 3>That's why I like, I know, like my sister is

0:47:03.880 --> 0:47:06.759
<v Speaker 3>like with the two kids, I'm always like, girl, drop

0:47:06.800 --> 0:47:09.200
<v Speaker 3>them off here, like you know on Saturday, because honestly,

0:47:09.239 --> 0:47:11.279
<v Speaker 3>they're so well behave here because they have like their

0:47:11.600 --> 0:47:13.759
<v Speaker 3>they're all their toys there in the corner. I have

0:47:13.800 --> 0:47:16.919
<v Speaker 3>their favorite foods. They really they play with each other

0:47:17.000 --> 0:47:18.600
<v Speaker 3>and they're a delight to have. And so just to

0:47:18.600 --> 0:47:20.800
<v Speaker 3>give her a break to go food shopping, take a nap,

0:47:21.840 --> 0:47:23.080
<v Speaker 3>you know, get some work.

0:47:22.920 --> 0:47:27.560
<v Speaker 2>Done, because I only enjoy here. It's a joy to have.

0:47:27.560 --> 0:47:29.759
<v Speaker 3>Them too, I know, And I'm just like, just drop

0:47:29.840 --> 0:47:32.239
<v Speaker 3>them off and they love my My Nigerian name is

0:47:32.280 --> 0:47:33.200
<v Speaker 3>otto Adochi.

0:47:33.719 --> 0:47:35.880
<v Speaker 2>They're coming. So I'll hear them say can we go

0:47:35.920 --> 0:47:37.520
<v Speaker 2>to Antiaedo's house.

0:47:37.680 --> 0:47:40.080
<v Speaker 3>And I'm like bring them. You know, she doesn't feel

0:47:40.080 --> 0:47:42.200
<v Speaker 3>like cooking dinner because she's just down the street. I'm

0:47:42.239 --> 0:47:43.839
<v Speaker 3>just like, girl, come eat dinner over here.

0:47:44.040 --> 0:47:46.400
<v Speaker 2>You know, Roman only eats.

0:47:46.239 --> 0:47:49.120
<v Speaker 3>Yellow rice, so whatever, I just literally have a year

0:47:49.160 --> 0:47:50.800
<v Speaker 3>supply of Uncle Ben's yellow once.

0:47:53.480 --> 0:47:55.520
<v Speaker 2>I'm like, I'm gonna let your mom a Fiji vegetables. Look,

0:47:55.520 --> 0:47:57.560
<v Speaker 2>I'm not fighting with your babysitters.

0:47:57.600 --> 0:48:00.080
<v Speaker 1>Like, listen, that child is drinking all kinds of I

0:48:00.080 --> 0:48:01.600
<v Speaker 1>don't even want to know what kind of juice he's

0:48:01.600 --> 0:48:02.560
<v Speaker 1>had up there. I don't know.

0:48:02.680 --> 0:48:07.640
<v Speaker 3>I'm just like sur they're not big juice of drinkers,

0:48:07.680 --> 0:48:10.040
<v Speaker 3>like you know, it's all about water. But yeah, so

0:48:10.120 --> 0:48:12.560
<v Speaker 3>I just I like, I just I can totally understand

0:48:12.560 --> 0:48:16.440
<v Speaker 3>because I know that literally there's times where like I'm like, well, dag,

0:48:16.480 --> 0:48:17.840
<v Speaker 3>I mean she doesn't take off their coat, she just

0:48:17.840 --> 0:48:18.600
<v Speaker 3>pushed it in by.

0:48:18.560 --> 0:48:23.160
<v Speaker 2>I'm like, oh, what you got this exactly.

0:48:23.600 --> 0:48:26.600
<v Speaker 3>So there's nothing like having people that care and love

0:48:26.640 --> 0:48:28.440
<v Speaker 3>your kids look after them, and so yeah, if you

0:48:28.480 --> 0:48:30.799
<v Speaker 3>can provide that for somebody, especially during these times like

0:48:30.880 --> 0:48:34.160
<v Speaker 3>now and it's just really overwhelming, certainly reach out to

0:48:34.280 --> 0:48:36.320
<v Speaker 3>you know someone and say you want to drop the

0:48:36.360 --> 0:48:39.560
<v Speaker 3>kid off this weekend, you know, on Saturday or Sunday.

0:48:39.680 --> 0:48:40.520
<v Speaker 2>Make that reach out.

0:48:40.719 --> 0:48:43.200
<v Speaker 1>Yeah. So I'm so And I'm proud of her too,

0:48:43.239 --> 0:48:46.919
<v Speaker 1>because she's she's I know that she's, you know, gonna

0:48:46.920 --> 0:48:48.680
<v Speaker 1>get her career off to a great start. And I'm

0:48:48.760 --> 0:48:51.239
<v Speaker 1>excited that she's you know, she's my little she's my

0:48:51.280 --> 0:48:54.600
<v Speaker 1>little project, and she's also helping me at the same time,

0:48:54.640 --> 0:48:56.719
<v Speaker 1>which is just I mean, I closed the door to

0:48:56.800 --> 0:48:58.880
<v Speaker 1>the basement this morning and I just came down here

0:48:58.920 --> 0:49:01.000
<v Speaker 1>Tippany and I have not been able to do that

0:49:01.320 --> 0:49:04.200
<v Speaker 1>in nearly a year, So I don't know how I survived,

0:49:04.239 --> 0:49:06.960
<v Speaker 1>but I'm so glad I don't have to do that

0:49:07.000 --> 0:49:11.200
<v Speaker 1>anymore by myself with no childcare. So yes, bless bless

0:49:11.280 --> 0:49:15.560
<v Speaker 1>all the childcare providers, and yes, thank you to Anna Banana.

0:49:15.600 --> 0:49:24.040
<v Speaker 1>Hopefully she's listening because she's also going to have Yeah, Okay,

0:49:24.400 --> 0:49:27.920
<v Speaker 1>this is a feel good episode, lots of fun. Update.

0:49:28.000 --> 0:49:31.839
<v Speaker 3>Yes, we've been up, down, side to side, on and

0:49:31.880 --> 0:49:33.239
<v Speaker 3>out did you ever play that.

0:49:33.160 --> 0:49:37.080
<v Speaker 2>Game Chinese Chinese jump ropes.

0:49:37.000 --> 0:49:38.480
<v Speaker 1>Chinese jump out?

0:49:38.840 --> 0:49:40.279
<v Speaker 3>Well, it's like that, like I don't know what they

0:49:40.280 --> 0:49:41.480
<v Speaker 3>call it, but that's what we used to call it.

0:49:41.480 --> 0:49:43.160
<v Speaker 3>I don't know if that's the right name, but it

0:49:43.239 --> 0:49:46.960
<v Speaker 3>was like it's like you wear it's almost like these

0:49:47.040 --> 0:49:49.040
<v Speaker 3>rubber bands that you put around your ankle and the

0:49:49.080 --> 0:49:50.840
<v Speaker 3>other person puts around their ankle and you form like

0:49:50.880 --> 0:49:53.280
<v Speaker 3>a rectangle with it and then you.

0:49:53.120 --> 0:49:56.839
<v Speaker 2>Go in outside to side on and out.

0:49:56.920 --> 0:49:59.360
<v Speaker 1>I don't know how to but I do know that

0:49:59.480 --> 0:50:01.960
<v Speaker 1>viral v the kids in China at the school who

0:50:01.960 --> 0:50:04.920
<v Speaker 1>were like, what were they doing? They're synchronized basketball, dribbling

0:50:05.000 --> 0:50:07.560
<v Speaker 1>or something and it was next level.

0:50:07.800 --> 0:50:10.360
<v Speaker 3>They were no job, No, it's not somebody knows exactly

0:50:10.360 --> 0:50:11.680
<v Speaker 3>what I'm talking about. We used to call it Chinese

0:50:11.719 --> 0:50:13.000
<v Speaker 3>jump rope, and I'm sure that that is not the

0:50:13.080 --> 0:50:14.400
<v Speaker 3>right name. But I was in second grade, so what

0:50:14.440 --> 0:50:17.239
<v Speaker 3>did I know? But remember that guys, right, especially you

0:50:17.280 --> 0:50:19.960
<v Speaker 3>know sisters in outside the side on and out and

0:50:20.000 --> 0:50:24.239
<v Speaker 3>you would do like kneesies, jumpsies, double z girl. Somebody's

0:50:24.280 --> 0:50:26.520
<v Speaker 3>like somebody at me at the budget used to be like,

0:50:26.520 --> 0:50:27.480
<v Speaker 3>I know exactly what you want.

0:50:27.520 --> 0:50:28.640
<v Speaker 2>I know there's a Wikipedia.

0:50:28.960 --> 0:50:30.520
<v Speaker 1>It exists. Yeah, how do you?

0:50:30.560 --> 0:50:32.279
<v Speaker 3>Well, I don't know that like that's what it's called.

0:50:32.320 --> 0:50:34.520
<v Speaker 3>I feel like that's some name that somebody probably gave it.

0:50:35.040 --> 0:50:38.600
<v Speaker 3>There's an actual it's a game, but I don't know.

0:50:39.120 --> 0:50:40.759
<v Speaker 3>I'm sure there's a proper name to it. But we

0:50:40.880 --> 0:50:42.560
<v Speaker 3>used to call it because that's what the older girls

0:50:42.560 --> 0:50:44.360
<v Speaker 3>told us. It was called Chinese jump rope. But I

0:50:44.400 --> 0:50:47.480
<v Speaker 3>don't know that that's what it was. Mean, Wikipedia is

0:50:47.600 --> 0:50:51.400
<v Speaker 3>accurate all the time. Chinese Jump Rope is a is

0:50:51.440 --> 0:50:54.520
<v Speaker 3>a ropes game. You're right, I'm looking at there's even patterns.

0:50:54.200 --> 0:50:54.480
<v Speaker 1>Is it?

0:50:55.280 --> 0:50:55.680
<v Speaker 3>Yes?

0:50:56.120 --> 0:50:59.000
<v Speaker 1>Oh my god, please, I don't know.

0:51:00.400 --> 0:51:03.080
<v Speaker 3>It was so fun as a kid, like and you

0:51:03.200 --> 0:51:06.280
<v Speaker 3>had to keep going like if you did in outside

0:51:06.320 --> 0:51:09.880
<v Speaker 3>to side, Yes, yes, it's exactly what it is, yep,

0:51:09.920 --> 0:51:11.680
<v Speaker 3>in outside to side, on and out, and you kept

0:51:11.680 --> 0:51:13.520
<v Speaker 3>going until.

0:51:13.120 --> 0:51:16.880
<v Speaker 2>Like you missed. Oh my god, this is exactly it. Yes, aha,

0:51:16.920 --> 0:51:17.680
<v Speaker 2>I'm that crazy.

0:51:18.120 --> 0:51:20.920
<v Speaker 1>Yeah, do your googles. Do your googles. All right, we'll

0:51:20.960 --> 0:51:23.319
<v Speaker 1>find a reference yet again that I did not get,

0:51:23.440 --> 0:51:28.120
<v Speaker 1>but I could definitely do. Cinderella lost her fellow or

0:51:28.239 --> 0:51:30.160
<v Speaker 1>a dress and it was yellow double Dutch.

0:51:30.239 --> 0:51:34.040
<v Speaker 3>Now Okay, you know I never learned how to jump

0:51:34.120 --> 0:51:37.719
<v Speaker 3>double dutch. Never, No, I mean like I mean I

0:51:37.760 --> 0:51:39.600
<v Speaker 3>started to, and then we moved to Westfield, which is

0:51:39.719 --> 0:51:41.120
<v Speaker 3>largely white, so nobody knew how that.

0:51:41.800 --> 0:51:44.319
<v Speaker 1>God did they still do that? I mean, I have

0:51:44.400 --> 0:51:46.960
<v Speaker 1>yet to see girls in my neighborhood gathered together run

0:51:47.040 --> 0:51:49.279
<v Speaker 1>some jump rope that I didn't. I didn't bring that back.

0:51:49.640 --> 0:51:51.360
<v Speaker 1>We have a nice little flat street. I might just

0:51:51.400 --> 0:51:53.600
<v Speaker 1>put two long jump ropes out there and just get

0:51:53.600 --> 0:51:56.080
<v Speaker 1>a get a double dutch going. That would be a

0:51:56.480 --> 0:51:57.080
<v Speaker 1>good cardio.

0:51:57.880 --> 0:52:01.320
<v Speaker 3>There's a great company, a great company called Double Dutch Aerobics.

0:52:01.840 --> 0:52:05.799
<v Speaker 3>They are so fun if you follow them on on Insta.

0:52:06.400 --> 0:52:10.400
<v Speaker 3>It's a husband and wife duo and they teach kids, adults,

0:52:10.440 --> 0:52:13.080
<v Speaker 3>everyone to like jump double dutch and because it's such

0:52:13.120 --> 0:52:14.560
<v Speaker 3>like it's such great exercise.

0:52:15.000 --> 0:52:16.680
<v Speaker 2>But they're such a fun couple.

0:52:16.840 --> 0:52:18.920
<v Speaker 3>And if you're I think you're in Atlanta, you can

0:52:18.960 --> 0:52:22.879
<v Speaker 3>actually take classes. So double Dutch Aerobics on IG tell

0:52:22.880 --> 0:52:24.840
<v Speaker 3>them the budget needs to sen because I love that.

0:52:26.640 --> 0:52:28.839
<v Speaker 2>Oh my god, it's so awesome, I know.

0:52:28.960 --> 0:52:31.480
<v Speaker 3>And they've got like two little kids and like literally

0:52:31.520 --> 0:52:34.040
<v Speaker 3>the like the little kids who are like two and

0:52:34.719 --> 0:52:36.200
<v Speaker 3>three and a half will turn rope.

0:52:36.239 --> 0:52:38.040
<v Speaker 2>I'm like, how do they know how to turn rope?

0:52:38.239 --> 0:52:41.120
<v Speaker 3>So yeah, they're just it's an adorable account to follow anyway,

0:52:41.400 --> 0:52:44.319
<v Speaker 3>but but yeah, just in general, they're just you know,

0:52:44.400 --> 0:52:45.360
<v Speaker 3>they're just a fun couple.

0:52:45.400 --> 0:52:47.320
<v Speaker 2>And like I said, if you're in Atlanta, Georgia, you

0:52:47.400 --> 0:52:48.360
<v Speaker 2>might want to take a clay.

0:52:48.480 --> 0:52:49.600
<v Speaker 1>It's like everybody.

0:52:50.960 --> 0:52:57.040
<v Speaker 3>I know, all right, I know, I like.

0:52:54.920 --> 0:52:58.120
<v Speaker 1>I like to get something. Probably somebody needs to be fed.

0:53:00.040 --> 0:53:01.799
<v Speaker 1>If like quiet over there, well I just hear the

0:53:01.800 --> 0:53:03.560
<v Speaker 1>baby laughing, and I'm kind of like, I just feel

0:53:03.560 --> 0:53:05.239
<v Speaker 1>like I should just we should just have a two

0:53:05.280 --> 0:53:09.400
<v Speaker 1>hour show because we can't. No, you go enjoy, relax.

0:53:09.680 --> 0:53:11.560
<v Speaker 1>And I want to hear soon how you're going to

0:53:11.560 --> 0:53:16.280
<v Speaker 1>be celebrating your book launch because it deserves to be celebrated. Okay, okay, okay,

0:53:16.880 --> 0:53:19.759
<v Speaker 1>all right, thanks Tiff, and thank you guys. See you

0:53:19.800 --> 0:53:21.000
<v Speaker 1>next week. A brand Vision