Speaker 1: Hey, ba fam, we are five years into making this
Speaker 1: podcast that we love so much called Brown Ambition, and
Speaker 1: we could not do it without you. We've gone from
Speaker 1: me and Tiffany sneaking around my old office building trying
Speaker 1: to find places to record, and thanks to you, guys,
Speaker 1: we now have one hundred thousand downloads per month for
Speaker 1: this little show called Brown Ambition. We would love to
Speaker 1: ask y'all for a small favor as fans of the show. Tiffany,
Speaker 1: what are we looking for?
Speaker 2: Here's what we'd love from you, guys.
Speaker 3: We already have over a thousand reviews and a five
Speaker 3: star rating on iTunes, but you know it's better than
Speaker 3: one thousand.
Speaker 2: Reviews two thousand reviews.
Speaker 3: If you get head on over to iTunes, go to
Speaker 3: our Brown Ambition page, scroll on down to the bottom,
Speaker 3: subscribe and leave us a five star rating and review.
Speaker 1: So subscribe, rate review. Not too much to ask, right easyps.
Speaker 1: We love you guys, and thank you so much for
Speaker 1: making Brown Ambition what it is. The last five years
Speaker 1: have been amazing and it's all things to you.
Speaker 3: Hey, hey, hey, we're back, We're black.
Speaker 2: We're bread, and.
Speaker 1: Somebody been a little jazz. Somebody watched my Rainie's black Bottom.
Speaker 2: I was giving. I was giving Queen Latifa. I was
Speaker 2: giving a little yeah, you.
Speaker 3: Know, she's like one of my Queen Latifa is one
Speaker 3: of my idols. You know that she's from mm hmmm,
Speaker 3: well Norky Starringiest. But also what I love about Queen Latifah,
Speaker 3: the reason why she's one of my idols is because
Speaker 3: I feel like she has maintained her authentic self and
Speaker 3: has risen to like, you know, the upper echelons of
Speaker 3: her of her career while maintaining you know, Brick City,
Speaker 3: Essex County, New Jersey.
Speaker 2: You know, So I just love that.
Speaker 1: Yeah, I was listening to speaking of Newark and famous people.
Speaker 1: Whitney Houston has been coming up a lot because this
Speaker 1: is her The anniversary of her death is around this
Speaker 1: time of year. I remember it was around Valentine's Day?
Speaker 1: How many years ago was it? And there was a
Speaker 1: podcast that did a whole recap of her performance at
Speaker 1: the super Bowl, the epic, the iconic one where she's
Speaker 1: sang the national anthem and they were sort of just there,
Speaker 1: they were giving her the shine that she deserves, and
Speaker 1: just it just makes it sad that she never got
Speaker 1: to fulfill her entire you know, fulfill what she could
Speaker 1: have done if she had, you know, not gone so quickly.
Speaker 1: But yeah, I mean I feel like Queen Latifah. What else?
Speaker 1: What else is new work have going for them? Whitney
Speaker 1: Corey Booker? Is that something that y'a by nature?
Speaker 2: Okay?
Speaker 1: I know you've got a new whole food.
Speaker 2: Yeah, we do have a new foods.
Speaker 1: Newark is the Newark Renaissance, and I was Newark Renaissance.
Speaker 1: It's exciting that you're a part of that.
Speaker 2: Yeah, I know it is, honestly, Yeah, girl, how have
Speaker 2: you been?
Speaker 1: You know, nothing new over here, nothing new to report?
Speaker 2: So something. So I don't know if y'all remember, but
Speaker 2: I meet with my coach.
Speaker 3: Remember I was looking for like a therapist, and then
Speaker 3: I found a therapist, coach, Stephanie. No, I found a
Speaker 3: therapist finder Stephanie who connected me. She's like, well, I
Speaker 3: don't know if you need a therapist more so like
Speaker 3: a coach. But my coach, doctor Green is also a therapist.
Speaker 3: She's just not my therapist anyway, say all had to say.
Speaker 3: I had a call with her on Friday and then
Speaker 3: she gave me a really good lesson. So I just
Speaker 3: wanted to share that with the Austins. We're sharing lessons,
Speaker 3: like you know, y'all know that my new book Get
Speaker 3: It with Money, it's available for pre order and Get
Speaker 3: Good with Money dot com. And I have been nervous
Speaker 3: to share that I would like for it to you know,
Speaker 3: be a bestseller, like you know, to be on the list,
Speaker 3: like you know, there's like USA Today, Washington Post, New
Speaker 3: York Times, like I've been nervous to.
Speaker 2: Like say it.
Speaker 3: And she was asking me why it's on my vision board.
Speaker 3: It's been on my vision board even before I got
Speaker 3: my book deal. And there was two reasons.
Speaker 2: One, I said, I just feel felt like it was
Speaker 2: maybe a little.
Speaker 3: Arrogant, you know, to say like oh. And she was like, no,
Speaker 3: that's not it. And she said, do you know what
Speaker 3: arrogance is. I was like, uh, yeah, I guess and
Speaker 3: she said no. Arrogance is when you are using your
Speaker 3: quote unquote bigness to make someone else feel small, right.
Speaker 3: And so she was like, is that what you're trying
Speaker 3: to do when you say, hey, I would love to
Speaker 3: have a New York Times bestseller? And I said no,
Speaker 3: and she's said, well, then that's not arrogance, and I
Speaker 3: was like, well, maybe this is just a lack of humility.
Speaker 3: She's like, wrong again, do you know what humility is?
Speaker 3: And I was like, hey, I guess you're gonna tell me.
Speaker 3: And she said, true humility is really filling up just
Speaker 3: the right amount of space. She was like, you know,
Speaker 3: like not no less, no more. Humility is not about shrinking.
Speaker 3: Humility is about filling up the space a set aside
Speaker 3: for you, you know, like just doing what it is
Speaker 3: that you're created to do. She was like, we don't
Speaker 3: consider the sun any less humble. The sun is meant
Speaker 3: to shine, and so are you, Tiffany. I have to
Speaker 3: lean into I know. I was like, I'm not gonna
Speaker 3: lie every time. I'm like that tears wow, right, and
Speaker 3: and so something else like I you know, there was
Speaker 3: something else that she said to me.
Speaker 2: That to me, the biggest lesson that I got away
Speaker 2: from it.
Speaker 3: And I said, I guess it's like, well, what if
Speaker 3: I don't get any best sellers, what if I don't
Speaker 3: sell well, what if the books?
Speaker 2: You know, what if nobody cares? What if people say
Speaker 2: it's terrible?
Speaker 3: And you know, and she said, what would you feel?
Speaker 3: I was like, I would feel ashamed. And she was like,
Speaker 3: you know, shame is one of the most she said,
Speaker 3: it's really one of the most terrible emotions because shame
Speaker 3: is a liar. Because the thing about shame is that
Speaker 3: shame tells you that you're bad, not that the action
Speaker 3: that you take have taken might not have been as
Speaker 3: good as it ought to be. You know, shame, shame,
Speaker 3: Shame speaks to you as a person incorrectly, like if
Speaker 3: I don't sell enough books, I'm bad. I'm a loser.
Speaker 3: I not just I just didn't sell a lot of books.
Speaker 3: And she was like, that's why shame is so bad,
Speaker 3: because it truly eats away and all the things that
Speaker 3: are good about you, because it'll have you believing that
Speaker 3: there's something wrong with you because of some sort of
Speaker 3: action that was externally taken, you know. And she said,
Speaker 3: you know, there's really one, only one antidote to shame,
Speaker 3: and I'm sharing this whether you're thinking about your finances,
Speaker 3: whether you're thinking about your goals, whatever it is, especially
Speaker 3: us as women, we struggle with this. She said, the
Speaker 3: only antidote to shame is voice. And it like hit
Speaker 3: me like a ton of bricks, and she was like,
Speaker 3: in sharing whatever it is that you're afraid of, that
Speaker 3: you're ashamed of. When you give voice to it, you
Speaker 3: literally you render shame useless.
Speaker 2: So I'm afraid, you.
Speaker 3: Know, I use my credit card too much and my
Speaker 3: bill is too high, you know, Oh my gosh, you know,
Speaker 3: like I think I'm going to lose my house to
Speaker 3: foreclosure because during the pandemic, you know, I was furlough
Speaker 3: and I can't I can't afford I can't afford the
Speaker 3: mortgage anymore. Tell your father, tell your sister, not that
Speaker 3: they're going to give you money, but to release the
Speaker 3: shame of it. Because shame is keeping you from solutions.
Speaker 3: It's keeping you shamed. Like it thrives off of you hiding,
Speaker 3: It thrives off of you being alone, It thrives off
Speaker 3: of silence.
Speaker 2: And so when she said that that.
Speaker 3: Like, you know, shame, the antidote to shame is voice,
Speaker 3: I was just like wow, because honestly, we've sold like
Speaker 3: thousands of copies already. But the first day there was
Speaker 3: a glitch in the system and they told us that
Speaker 3: we only sold like a few hundred copies, and I
Speaker 3: was like, wait, what. I couldn't believe because it's been
Speaker 3: so we had worked so hard, and honestly, I felt
Speaker 3: so much shame. Mandy. I was like, I mean, I
Speaker 3: was like, a superman doesn't ever really, I'm even though
Speaker 3: it's surprising, I'm I'm pretty much a cry baby, but
Speaker 3: he doesn't see me cry much.
Speaker 2: He didn't know what to do. He was like, wait,
Speaker 2: are you gonna cry? I was like, He's like, do
Speaker 2: you want some tea?
Speaker 1: I was like, what are you doing?
Speaker 3: I guess I normally cry by myself. I was like,
Speaker 3: has he not seen me cry? I'm like, well, I
Speaker 3: guess I don't. Really I was thinking, I'm like, you know,
Speaker 3: I guess I do cry by myself. I guess, but
Speaker 3: I was so ashamed. It was like my worst fear
Speaker 3: confirmed that I could put in hard work and it
Speaker 3: come to nothing. And she was like, and what happened?
Speaker 3: I was like, I don't know. I just felt a shamed.
Speaker 3: She's like, but did you basically, but did you die?
Speaker 2: And you know?
Speaker 3: And I didn't. And then she's like again, then what happened?
Speaker 3: And I said, well, then you know, I called, like,
Speaker 3: you know, my best friend and I told her and
Speaker 3: I called my other best friend.
Speaker 2: I told him. She said okay, and she said no,
Speaker 2: what happened?
Speaker 3: Did they judge you? And I said no. She was like,
Speaker 3: did they comfort you? He said yes, And she's like,
Speaker 3: then what else? And I was like, well, then I
Speaker 3: started to put together a plan of what we can
Speaker 3: do to, let you know, to make the next day better.
Speaker 3: And she's like, and did you put in the plan?
Speaker 3: I said, yes, you know, I've reached out. I wasn't
Speaker 3: going to tell my team. I was afraid that they would,
Speaker 3: you know, that they would look at me differently. But
Speaker 3: they didn't. And she said, so so so thankfully that
Speaker 3: number ended up being incorrect. But what if your worst
Speaker 3: fear does come to light? Can you not lean into
Speaker 3: those solutions telling people that you trust, think about a
Speaker 3: plan of action?
Speaker 2: She said, one feeling it?
Speaker 3: There's nothing wrong with feeling like disappointing, disappointed. So can't
Speaker 3: you lean into those action steps feeling the disappointment, telling
Speaker 3: people that you trust and that love you, that are
Speaker 3: going to give you the support, the emotional support that
Speaker 3: you need, thinking about solutions, and then getting the folks
Speaker 3: around you that would help in those solutions and working
Speaker 3: the plan. Can't that always be how you manage when
Speaker 3: things like this happen.
Speaker 2: I was like, I guess, so it's really.
Speaker 1: Good and I just felt I feel deeply. I mean,
Speaker 1: I've shame is it is so toxic? And you're yeah,
Speaker 1: And I've never heard it articulated in that way except
Speaker 1: for maybe Brene Brown. You know, she's become really ubiquitous,
Speaker 1: but she's given a Ted doc on shame. And but
Speaker 1: that particular like phrasing that the antidote to shame is voice,
Speaker 1: It's so true. I mean in this Yes, immediately when
Speaker 1: you were talking, I started to think about the women
Speaker 1: in my life who've felt ashamed of, you know, being harassed,
Speaker 1: sexually harassed at the office or in their personal lives,
Speaker 1: and they didn't want to say anything or even listening to.
Speaker 1: I don't know if you guys did tune into AOC's
Speaker 1: ninety minute Instagram live where she recounted what happened to
Speaker 1: her during the riot from her perspective. But part of
Speaker 1: her story was part of her was the reason she
Speaker 1: was even telling it because she wasn't you know, she
Speaker 1: wasn't hurt physically, although it was extremely you know, she
Speaker 1: thought she was going to die several times because she's
Speaker 1: aos and literally people there are people who would like
Speaker 1: to see her gone, but her sharing her story. She said,
Speaker 1: I thought my story was too small. I thought that
Speaker 1: it didn't matter, and I thought I felt ashamed that
Speaker 1: if I said it, that maybe it would be used
Speaker 1: as a weapon against me by conservative media and all
Speaker 1: that kind of stuff. But she was like, I'm gonna
Speaker 1: tell the story anyway, because it's really to encourage other
Speaker 1: people who've been through something small large. Who knows saying it.
Speaker 3: It is to her to release her It's yes, yes, honestly.
Speaker 3: One of the reasons why, like I don't do it
Speaker 3: as much, but one of the reason I used to
Speaker 3: I shared, like my my struggle with fertility is because
Speaker 3: of that, because I don't know any woman that wants
Speaker 3: to have a child, that is having trouble having a
Speaker 3: child that doesn't feel shame about it. Because you're told
Speaker 3: your whole life, since you were you know, since you
Speaker 3: get your first period, better be careful, don't want to
Speaker 3: get pregnant, because the assumption is if you're a woman
Speaker 3: and you have a period, pregnancy is a is a given.
Speaker 2: It's like dum a default for your.
Speaker 3: Body, right, and then you know, all throughout like high
Speaker 3: school and college unless you found someone you're like every
Speaker 3: month you're like, oh, not pregnant this month, Oh thank goodness,
Speaker 3: you know, and then you try the thing that your
Speaker 3: body is supposed to do, default the thing that you've
Speaker 3: literally seen fourteen year olds do women who are you know,
Speaker 3: addicted to substance, substances that should have destroyed their inside,
Speaker 3: like like women who work in the harshest environments, I
Speaker 3: mean every type of extreme, you know, and in between
Speaker 3: you see women getting pregnant left and right, left and right, left, right,
Speaker 3: and you're like, what's wrong with me?
Speaker 2: So there's a shame in that.
Speaker 3: But I the reason why I share, That's why that lady,
Speaker 3: I mean, I made a joke of it, but and
Speaker 3: I know she didn't intend it, like the woman who
Speaker 3: say I'm tired of hearing about Tifney's uterus. You know,
Speaker 3: you know I made a joke of it because, like
Speaker 3: I know, obviously she didn't say it to be I mean,
Speaker 3: she was being mean, but she didn't say it to
Speaker 3: the depth of like which I felt it.
Speaker 2: But I shared it. And I share that because I
Speaker 2: do feel.
Speaker 3: Shame around it, and the only way to let go
Speaker 3: of that is to share, because I know in so
Speaker 3: sharing you guys hit up my inbox like crazy, like
Speaker 3: me too, girl, this is what I did, or this
Speaker 3: is how I fell or I still don't have a
Speaker 3: kid yet. You know that, like shame, I just that's
Speaker 3: what I wanted to give that gift of. Like, if
Speaker 3: you're feeling shame around a thing, whether it's not wanting
Speaker 3: to admit that you want to be on a New
Speaker 3: York Times bestsellers list, or it's you know, somebody raped
Speaker 3: me and I never told anyone that. Really, the only
Speaker 3: way that you're going to start to release yourself and
Speaker 3: free yourself from that shame is to give voice to it. However,
Speaker 3: voice looks like to you, voice just means speaking about
Speaker 3: it in a safe place where you're going to get
Speaker 3: the support and encouragement that you need.
Speaker 1: I feel like I just need a paper fan to
Speaker 1: fan my face. I'm just like I'm doing that Baptist
Speaker 1: church lady like rocking back and forth like m appreac on.
Speaker 1: Yeah listen, y'all, I do deep have deep Southern Baptist roots.
Speaker 1: But anyway, uh so that's the show. I mean, I
Speaker 1: don't know what else you guys could need from us today,
Speaker 1: because I feel like we just gave you everything that.
Speaker 2: You need, everything I happened to be.
Speaker 1: I know. No, that's I'm really glad. And to bring
Speaker 1: it back to finance in brown ambition, women can feel
Speaker 1: ashamed of being ambitious and also the first step toward
Speaker 1: financial wealth and well being for a lot of people
Speaker 1: who don't come from a place of privilege and already
Speaker 1: had some kind of foundation, is one being vulnerable enough
Speaker 1: to say I do not know this, I need to ask,
Speaker 1: I need to ask questions and or if you've had
Speaker 1: struggles in the past, here's where I'm at today. And
Speaker 1: I have been coaching two people in my family who
Speaker 1: who in the past couple of and I've been I've
Speaker 1: been working on these people for years to like, you know, hey,
Speaker 1: every want to talk. I don't want to be intimidating,
Speaker 1: but I'm like, I can tell that you want to say.
Speaker 1: They're the people who like they reached out and they're like, hey,
Speaker 1: I'm going to text you or can we talk? And
Speaker 1: then they never text and never call, and it'll happen
Speaker 1: like once a year, and then finally you have the
Speaker 1: conversation and you realize you know what the and you
Speaker 1: hear it in their voice when they have, when they
Speaker 1: have shared the truth of their situation. And the first
Speaker 1: thing I usually say is You're gonna be fine. This
Speaker 1: is okay, this isn't that bad. You can fix this
Speaker 1: or it's not about always fixing. It's like, you can
Speaker 1: get there. You know, you can get to this dream,
Speaker 1: you can get to this, you can achieve this, you
Speaker 1: can think bigger. You just need to know a few
Speaker 1: you know, a few little stepping stones. And it's it's
Speaker 1: really impactful and powerful financially just to open up and
Speaker 1: to yeah, to share with other people and you don't
Speaker 1: even know. It could be sending in a question to
Speaker 1: Brown ambition or you know, or just talking to a
Speaker 1: girlfriend or to an actual financial planner. But I don't
Speaker 1: think if you if you choose carefully who you talk to,
Speaker 1: you know, choose people that you trust and who love
Speaker 1: you, you're never gonna be better or worse off. I think
Speaker 1: from having that kind of conversation and I and yeah,
Speaker 1: I truly do feel like that is and you've probably
Speaker 1: seen this a millionfold through your work through the budget NESTA.
Speaker 1: But getting over that initial hump of the shame and
Speaker 1: the sense of embarrassment over what they where they It's
Speaker 1: always the shoulds right where you think you should be
Speaker 1: but you aren't. Well you think you should be doing
Speaker 1: what you can't. Well, you think you should know, but
Speaker 1: you don't know. It's all it's all tied to shame.
Speaker 1: And yeah, it's it's almost you know, as a as
Speaker 1: you know in my title chief Consumer Advocate, it's like,
Speaker 1: what is that? Well, really, I feel like I am
Speaker 1: someone who's going to help people get over that home,
Speaker 1: you know, get over that sense of shame and to
Speaker 1: unlock potential they never knew they had, you know, because
Speaker 1: they can feel like they have someone they can talk
Speaker 1: to who relates to them and all that. And yeah,
Speaker 1: I financial shame. I'm trying to think of, like I
Speaker 1: feel like you should do it technique.
Speaker 3: Maybe sometimes I'm so opposed to some of you know,
Speaker 3: some of y'all thieves who peddle the shame.
Speaker 2: I mean, like we're not going.
Speaker 3: To say any names, but you know, just because it's
Speaker 3: enough of that, Like you know, that's why you know here,
Speaker 3: you know, we talk about we try to make the
Speaker 3: financial advice. We never try to shame y'all of the
Speaker 3: choices that you've made, because honestly, We've made those choices
Speaker 3: times ten. And this is supposed to be a safe
Speaker 3: space so you can lean in and ask your questions
Speaker 3: about finance and business and career and everything adjacent, because
Speaker 3: there's enough shame out there. And honestly, we're already good
Speaker 3: at shaming ourselves. We don't need anybody's help.
Speaker 1: I'm saying right. And I think I saw this quote recently,
Speaker 1: just to like round this out, And you said choices.
Speaker 1: There was someone who said, you know, you didn't. You
Speaker 1: didn't make good choices. You had good choices to make.
Speaker 1: And I think that's a real definition of privilege. I
Speaker 1: need to figure out where I saw that. It must
Speaker 1: have been somewhere on Insta. Yeah, you didn't you didn't
Speaker 1: have good choice, or you didn't make good choices. Your
Speaker 1: choices were good in the first place, And that's privilege.
Speaker 1: And I think being black women, Tiffany, we get it
Speaker 1: in the sense that and I was all always so
Speaker 1: sensitive to that when I was editing content or writing content,
Speaker 1: you know, for a general audience, not to be not
Speaker 1: to be dismissive or not to be what's the word like,
Speaker 1: condescending to people. Why did you do that choice? You
Speaker 1: never should have done that in the first place. I
Speaker 1: get it. You know, when you are black in this
Speaker 1: country or your minority in this country, often you may
Speaker 1: not it's either the payday loan or it's taking an
Speaker 1: advance in your credit card. Okay, So okay, I don't
Speaker 1: have the emergency fund. Yeah, so skip that piece of
Speaker 1: your useless you know, top ten list of what to
Speaker 1: do to to to start saving. You know, I don't
Speaker 1: have those things. So I have these choices. They're all
Speaker 1: bad choices. So which is the least worse and how
Speaker 1: can I better prepare for next time? And that is
Speaker 1: the perspective that and that is Yes, that is perspective,
Speaker 1: and that's why there will always be That's why I think, Tiffany,
Speaker 1: you belong on the best seller's list, you belong up
Speaker 1: there with everybody else because you know your voice and
Speaker 1: your perspective, and you're you're the way that you're tuned
Speaker 1: into your community and your audience is needed. And that's
Speaker 1: also why I think there's that's why I more than
Speaker 1: willing to step up into this new role because it's
Speaker 1: there's space and there's need for more financial empathy.
Speaker 2: More Yes that note, I think we should take a
Speaker 2: whosan a break. Everybody, take a deep breath.
Speaker 4: Then we'll be back after these important messages, and.
Speaker 2: We're back for questions. You know, this is my favorite
Speaker 2: part of the.
Speaker 3: Show because you can ask us any kind of question
Speaker 3: you like, questions about finance, business, career, and life all around.
Speaker 3: We'll do our best to answer them. Although we are
Speaker 3: not experts.
Speaker 1: I mean, we're not your financial planner at the end
Speaker 1: of the day, and anything that we say here right
Speaker 1: is like general you know, information that we have collected
Speaker 1: over years, decades of experience collectively. So don't take anything
Speaker 1: we say, you know to the letter. Always do what's
Speaker 1: best for you. But we do love getting all us questions,
Speaker 1: and in fact, we're just talking about shame. If you
Speaker 1: are a shamed you should feel like when you submit
Speaker 1: a question to Brian Ambition, even if it doesn't end
Speaker 1: up on the show, I feel like even just typing
Speaker 1: it out might make you feel better just putting it
Speaker 1: down on paper. So consider us your your personal finance diary,
Speaker 1: and you can always remain anonymous. We get lots of
Speaker 1: anonymous questions. I think as people are a little bit embarrassed,
Speaker 1: and that's perfectly fine. It's like your comfort level, but
Speaker 1: do reach out to us. No question is too silly
Speaker 1: and we love to hear from y'all, and it's also
Speaker 1: a good way for us to understand what has happening
Speaker 1: out in the world and what are people worried about
Speaker 1: and concerned about. So I'll remind y'all where you can
Speaker 1: find us. You can go to Brandambisson podcast dot com
Speaker 1: and click ask us anything to send a question, or
Speaker 1: you can hit us up directly on our Insta media
Speaker 1: instant Media what Instagram account Brand Ambition Podcast on Insta
Speaker 1: just slide into our dms there, or send us an
Speaker 1: email directly Brand Ambisson Podcast at gmail dot com dot com.
Speaker 1: And now I'm going to take a question from a
Speaker 1: listener named Kayla. She actually hit us up through our
Speaker 1: email Old school. Kayla's got a quick question, and actually
Speaker 1: we were just talking about online brokerages last week when
Speaker 1: we were talking about GameStop and the whole Robinhood fiasco.
Speaker 1: So go check out episode two fifty one if you
Speaker 1: haven't yet to catch up on all that. But Kyla's
Speaker 1: question is, could you all give advice on the best
Speaker 1: online broker for investing for beginners or platforms that you
Speaker 1: are using or have used for investing that you like and.
Speaker 2: Why Okaila, you got me?
Speaker 3: Oh my niece actually Leila. But okay, so I'm not
Speaker 3: gonna lie. I used to use but I know, I
Speaker 3: know longer, I know longer I used it. When did
Speaker 3: you stop holding robin Hood last week?
Speaker 2: Okay, it would take the investigative journalist. I was like,
Speaker 2: turn it, Mandy. I mean, it's just a couple of questions. No, no, no, no, no,
Speaker 2: that's fine, that's fine.
Speaker 1: No.
Speaker 3: But I also like honestly, I also like Vanguard, but
Speaker 3: I mean that's more like for a brokerage account.
Speaker 1: Yeah, there are there are so many out there, but
Speaker 1: just talk about like the ones you've used, and if
Speaker 1: you left Robinhood. And I personally, long before I worked
Speaker 1: with Ally, I had been using robin Hood, but I
Speaker 1: got frustrated by the time it took to transfer funds
Speaker 1: from my my bank account, which was Ally, and it
Speaker 1: took like a few days to process. And when you
Speaker 1: wanted to buy a stock, three days is I mean,
Speaker 1: you don't know what could happen in three days. So
Speaker 1: a good deal can instantly become like crazy, you know,
Speaker 1: expensive three days later. So for me, the draw for
Speaker 1: Ally was that they had they had launched Ally invest
Speaker 1: and I finally hooked up to their online brokerage and
Speaker 1: it's great. I mean it's there's a lot of them
Speaker 1: out there, but for me as an ALLY customer, just
Speaker 1: makes sense to connect it because it's super easy to
Speaker 1: transfer money and I can see it all in one
Speaker 1: place and it's all pretty. But in the past, I
Speaker 1: too have used I still have robin Hood. I have
Speaker 1: a bunch of Chewy shares because I love Chewi, which
Speaker 1: is where I buy all of Molly's fancy dog food.
Speaker 1: I have a bunch of shares there and I just
Speaker 1: haven't done anything with them. I guess I should. I
Speaker 1: don't know, what do you do if you got shares
Speaker 1: at robin what did Yeah? What did you do with
Speaker 1: your shares? Just leave them there? No?
Speaker 3: So what I did was I was talking with Angelie
Speaker 3: y'all know, my my amazing financial CFP, Yeah, certified financial planner,
Speaker 3: and I was sharing with her like, Okay, I've got
Speaker 3: you know this money at ALLY, I mean at robin Hood.
Speaker 3: But then she and my husband and I we were
Speaker 3: having a conversation about I wanted to be to do
Speaker 3: more conscious giving because I give now now anyway, but
Speaker 3: like it'll kind of be like, oh, there's a cause,
Speaker 3: here's some money. Oh there's a cause, here's some money.
Speaker 3: But I wanted to set aside actual funds to be intentional,
Speaker 3: and so she was like, well, one of the things
Speaker 3: that I forget what she called it, there's a specific
Speaker 3: type of account that I'm rolling over my you know,
Speaker 3: like those like because I you know, I don't know
Speaker 3: everybody's I feel like everybody's everybody's stocks have gone up.
Speaker 3: So I'm rolling over that's those stocks into a specific
Speaker 3: type of giving account so I can start to use
Speaker 3: that money to give. I want to you know, I
Speaker 3: want to give, like, you know, a significant amount of
Speaker 3: money every year, and I want to fund that account.
Speaker 3: So I'm using my ally stocks to fund that account.
Speaker 1: Okay, or your robin Hood stocks you.
Speaker 2: Mean, yeah, that's what I mean, my robin Hood jock.
Speaker 1: How many times can she sa.
Speaker 2: Darn you Mandrad.
Speaker 1: So transferred you're so you can? Did you cash them out?
Speaker 3: Was They're like, yeah, no, I'm going to ask the
Speaker 3: name of it because she said it and I totally forgot.
Speaker 2: But I don't actually have to do anything.
Speaker 3: I gave her, so, yes, they're gonna roll it over
Speaker 3: and basically dissolve them. But I don't because you know,
Speaker 3: when you people don't realize you know, you're buying and
Speaker 3: selling and buying and selling, you are there's capital gains
Speaker 3: tax that you have to pay. But because I'm dissolving
Speaker 3: them and putting them into like this this like giving account,
Speaker 3: and I'll be giving it away by the end of
Speaker 3: the year, then I'm not going to have to worry
Speaker 3: about the taxes on them. I forgot the name of
Speaker 3: the account. It was a specific type of account that
Speaker 3: she said, and I was like, oh, okay, that sounds
Speaker 3: good because I had I'm not gonna lie. I had
Speaker 3: a good amount of money and there I had about
Speaker 3: forty thousand dollars I know, which My sister is like, girl,
Speaker 3: you're supposed to Robinhood is for play money.
Speaker 1: The heck.
Speaker 3: I was like, hey know, because here's what happened years
Speaker 3: ago when it first came out. I didn't put that
Speaker 3: much money in there. But years ago, when it first
Speaker 3: came out, I had an affiliate link and I shared it,
Speaker 3: and so I got all this free stock, like a
Speaker 3: lot of free stock. So I would say probably like
Speaker 3: I don't know, you know, at least a third, if
Speaker 3: not half, of it was from that those that free stock.
Speaker 3: And then you know, you know, everybody like the stock
Speaker 3: market has been crazy.
Speaker 2: But you know, at the end of the day, it's
Speaker 2: gone up.
Speaker 3: And so like, I think my return over the last
Speaker 3: four or five years or however long you know I
Speaker 3: had that account was like sixty something percent. So damn,
Speaker 3: it just goes to show you. So I didn't put
Speaker 3: I didn't put forty thousand dollars in. It grew to
Speaker 3: forty and a lot of that was stock that I want,
Speaker 3: that I basically earned through my affiliate link, that you bought.
Speaker 1: It's just a really good you know, because people think
Speaker 1: of robin Hood as Okay, I'm gonna go buy the
Speaker 1: hot stock today, I'm gonna make money tomorrow. But you really,
Speaker 1: like the bulk of your returns have come from stock
Speaker 1: that you were even though you didn't buy it, like
Speaker 1: you were given one of like years ago, a couple
Speaker 1: of years ago.
Speaker 2: Yeah, and when robin Hood first opened.
Speaker 1: And grew over time, So hey, y'all have long term
Speaker 1: investing strategy from and that's the way that I've you know,
Speaker 1: Robinhood has been my play money account. I don't really
Speaker 1: check it that often, but damn my shoe, my showy shares.
Speaker 1: I'm a genius anyway. Uh but yeah for me online brokerages,
Speaker 1: I don't think the only thing, the only way that
Speaker 1: I think you can go wrong when it comes to
Speaker 1: investing online is just not doing it at all and
Speaker 1: just keeping your money parked in cash, way too much
Speaker 1: money parked in cash, because ultimately you need to get
Speaker 1: you want to start investing, and that's because you know,
Speaker 1: it is really one of the few proven ways to
Speaker 1: build wealth that is genuinely more accessible to you know,
Speaker 1: mass mass americaa like most people. Then a lot of
Speaker 1: people realize. And that's whether that's three or four to
Speaker 1: one K, which a lot of people have access to
Speaker 1: through their employer, or just yes, starting a Vanguard account
Speaker 1: or yes if Robinhood is the is an easy thing
Speaker 1: for you to open, or you already have a bank
Speaker 1: account and they have an online brokerage that's commission free
Speaker 1: or whatever.
Speaker 3: Opening some things about sash right because you can buy
Speaker 3: I think you can buy fractional state shares via stash. Yes,
Speaker 3: that's like if you don't have like the whole amount
Speaker 3: you know you can. So if you're gonna if you're
Speaker 3: here's the thing. If you are just going to practice,
Speaker 3: there's a great td Ameritrade has this thing called sink
Speaker 3: or sink or swim or is it think or swim
Speaker 3: think or swim.
Speaker 2: Where you can actually like practice with full money. Oh
Speaker 2: that's so.
Speaker 1: You're just I think Helen talked about that, like the simulator.
Speaker 3: Yes, exactly, that's the word. I'm like, I swear I
Speaker 3: have words. So basically it's a stock simulator, so you know,
Speaker 3: for some months you can practice there, or if you're
Speaker 3: not trying to get all fancy like buying and trading,
Speaker 3: buying trading, but you know, buying selling stock. Honestly, you
Speaker 3: can choose an index fund at like a Vanguard and
Speaker 3: say here's my fifteen hundred two hundred bucks a month,
Speaker 3: and i'd like to you know, the index i'd like
Speaker 3: to mirror is s and P five hundred Dow Jones
Speaker 3: NASDAC and just do that, you know, and that's super
Speaker 3: super simple, and you'll be better off than most people
Speaker 3: in sidebar Mandra my bad girl. I just looked at
Speaker 3: my thing. I opened my account, rob her account. August fifth,
Speaker 3: twenty sixteen, girl, I'm up ninety six points sixty five percent. Yes,
Speaker 3: So like I said, and you have to think to yourself,
Speaker 3: more than half of that money was probably from the
Speaker 3: free stock, just from like me sending it out, So
Speaker 3: that's a lot. That's why it's like, yeah, my capital
Speaker 3: games would have been tremendos. So like I said, I'm
Speaker 3: rolling it over. It's now technically I put in twenty
Speaker 3: thousand dollars. You know, that includes a free stock, so
Speaker 3: right now it's at forty thousand and so yeah, I
Speaker 3: just I want to donate.
Speaker 2: I want to choose my husband. I want to choose
Speaker 2: like four different organizations that we like to give them
Speaker 2: at least.
Speaker 1: Ten diary doves, an application for the Tiffany Foundation.
Speaker 3: I think for me, if you know me, for me anyway,
Speaker 3: So twenty thousand, I'm going to decide for myself and
Speaker 3: my husband will decide twenty thousand. I think for me.
Speaker 3: Women and kids always have my you know, like in family.
Speaker 3: So one I already know is you know Angela Vie McKnight.
Speaker 3: She's the assembly woman who I did the budgetiese A
Speaker 3: law with. So she's got this amazing food pantry program
Speaker 3: where it's not what I love about it is it's
Speaker 3: not just that you donate to the food pantry. She
Speaker 3: she's got this nonprofit called Angela Cares where she then
Speaker 3: also takes food to the elderly people, because just because
Speaker 3: you have food at the food pantry, everyone can't make
Speaker 3: it there, especially the elderly. So she has this amazing
Speaker 3: program where she you know, collects the money, buys the food,
Speaker 3: and then dispenses it by going to different households and
Speaker 3: dropping it all. So she's definitely getting you know, like
Speaker 3: one quarter of that. And there's a there's a homeless
Speaker 3: shelter in newer called the Covenant House. Well it's not
Speaker 3: only a homo shelter, it's more like a it's a
Speaker 3: shelter for teens.
Speaker 1: They're all over, but yeah, it's like at risk youth.
Speaker 2: Yes that's what I'm saying. So it's not really a hombies.
Speaker 3: So but I just like and I've spoken there before
Speaker 3: and donated like my time there before, and just they
Speaker 3: just do really great work.
Speaker 2: So those are the two.
Speaker 3: Places that I'm I'm wanting to put my money toward.
Speaker 3: And then Superman is going to.
Speaker 2: Decide like what he like the two places that he'd
Speaker 2: like to. So, yeah, so no need to send me
Speaker 2: your application.
Speaker 1: Well that's no, that's amazing. And I mean five years
Speaker 1: and very little. I mean, obviously you had the supercharge
Speaker 1: capital from the from the affiliate links. But still, I think,
Speaker 1: you know, if you have patience, you don't have to
Speaker 1: be an investing genius. You just have to start now.
Speaker 1: And you know, don't think that you've missed the boat.
Speaker 1: Just get on it, you know, but just remember when
Speaker 1: it comes to the way that these apps work. You know,
Speaker 1: if you're really going to be picking stocks personally, Mandy
Speaker 1: Woodruff would save you know, extra money for that type
Speaker 1: of investment. And then I'm a very boring investor. And
Speaker 1: I actually read an interesting there's a there's a person
Speaker 1: who has a book coming out. I forget his name.
Speaker 1: They had him on the Bodega Boys show recently. Oh,
Speaker 1: Josh Brown. Josh Brown. He's a wealth manager. I forget
Speaker 1: what Ritz Holt's management or something like that. He's pretty
Speaker 1: big in finance. And he was talking about how, you know,
Speaker 1: and the research for his book. He was like, I
Speaker 1: want to interview financial planners who are actually helping the
Speaker 1: billionaires invest their money about how they invest their money.
Speaker 1: And what he's found and personally for himself too, is
Speaker 1: like people who know how to invest money do it
Speaker 1: the boring old way. Index funds, ETFs, like it is,
Speaker 1: pick an index, you know, dollar cost averaging, which is
Speaker 1: just a fancy way of saying, like Tiffany said, put
Speaker 1: some money in there every month a set amount, which
Speaker 1: is I have I have automatic payments to my one
Speaker 1: of my brokerages accounts. I also have a Vanguard, so
Speaker 1: I have auto payments to a fund there and you know,
Speaker 1: auto to my ally invest account and that for me,
Speaker 1: it's like take myself out of the equation and just
Speaker 1: do it the old vanilla traditional way because that's really
Speaker 1: you know, that's that for me personally, that is that
Speaker 1: is the strategy and for a lot of people. Research
Speaker 1: she has has promoted or not promoted, but has shown
Speaker 1: that that is probably gonna work for most people. Yeah,
Speaker 1: great question. And if you I feel like I need
Speaker 1: to know what are the hot new I have, Stash
Speaker 1: is new er, and then you have like your betterments,
Speaker 1: your acorns, your your wealth fronts. I mean they're all
Speaker 1: pretty similar. But ultimately what you want to do is,
Speaker 1: you know, look at how much work is going to
Speaker 1: be needed on your part, and you know what kind
Speaker 1: of what kind of risks you're you're willing to take
Speaker 1: on with these types of apps, and and also are
Speaker 1: you ready for that step yet or do you need
Speaker 1: to back up a couple and payoff debt, save a little,
Speaker 1: or you know, start with your four one K because
Speaker 1: you have a company match or something like that. All right, Kayla,
Speaker 1: that was probably way more than you bargained for, but
Speaker 1: good question. All right, Let's take one more. And this
Speaker 1: comes from Instagram. This is Carrie Carrie from Delaware. She
Speaker 1: says she's twenty one and currently a senior in college
Speaker 1: getting ready to graduate. This may, oh great, I know
Speaker 1: exactly how you feel because I too graduated into a
Speaker 1: plunging economy. But you'll be all right, yes, and her
Speaker 1: next tenses, I have the beautiful privilege of entering the
Speaker 1: workforce during a print during a pandemic. I lost both
Speaker 1: of my jobs at the beginning of the pandemic, and
Speaker 1: I've had to rely on unemployment assistance during that time.
Speaker 1: It was extremely hard and I don't ever want to
Speaker 1: be in that position again. I recently discovered your podcast
Speaker 1: and I want to do several things all at once,
Speaker 1: but I want to figure out what I should focus
Speaker 1: on first. I think I want to open a life
Speaker 1: insurance policy. I want to start saving for retirement retirement.
Speaker 1: I want to start a regular savings account, maybe invest
Speaker 1: in stocks, and pay off my student loans. But I know,
Speaker 1: being fresh out of college, that's a lot. Do you
Speaker 1: guys have any advice on which one I should tackle first,
Speaker 1: or any books I should check out to further research
Speaker 1: educate myself about obtaining financial knowledge. I can think of
Speaker 1: one book.
Speaker 2: Yes, there is one called Get Good with Money, available
Speaker 2: at get goodmoney dot com for pre order.
Speaker 3: I mean it's written by this girl named Tiffany the
Speaker 3: Budget Least that so, okay.
Speaker 2: Put a bee on the capitol be on budget?
Speaker 3: Yeah, no, no, I this is actually a really good
Speaker 3: question because it does seem like a lot. It's like,
Speaker 3: I want to do all the things, but what do
Speaker 3: you start with first. It's like when you first start
Speaker 3: cooking and you're like, what do I start cooking first?
Speaker 3: Because you want everything to kind of be done around
Speaker 3: the same time, Like, you know, do I put the
Speaker 3: turkey in the oven first? If I start making this
Speaker 3: stuff in too early, it's going to be cold by
Speaker 3: by the time the rest.
Speaker 2: Of the food is done.
Speaker 3: I like to start with like the basics, Like I
Speaker 3: like to start with what I call the financial fundamentals
Speaker 3: to kind of get like a baseline of where I
Speaker 3: am before I start jumping into fancy stuff like let
Speaker 3: me get my budget in order, let me get like
Speaker 3: this kind of saving plan in place. You know, how's
Speaker 3: my credit score looking. You don't need to do anything
Speaker 3: special other than if you pay your bills on time,
Speaker 3: your your credit score for the most part, will start
Speaker 3: to raise. And you know there, you know, you can
Speaker 3: certainly take a look at your debt to see where
Speaker 3: you stand.
Speaker 2: But a lot of people wait.
Speaker 3: And I've seen folks wait to start putting aside and
Speaker 3: investing money for retirement.
Speaker 2: And to me, that's a big mistake, huge mistake.
Speaker 3: I saw me the other day, Mandy, and it was like,
Speaker 3: if you could tell your eighteen year old self just
Speaker 3: three words, like you know, you travel back in time,
Speaker 3: You're like, oh my god, okay, I just came.
Speaker 2: It's me from the future. You know, it's me. Look
Speaker 2: at it.
Speaker 3: We look at like I have an age one bid
Speaker 3: I have three words for you. Obviously, that's a lot
Speaker 3: more than three words. But whatever, I have three words
Speaker 3: for you, what would they be for me? They would
Speaker 3: be learn to invest. I wish I'd started earlier, because
Speaker 3: you know, just there's nothing more powerful than time when
Speaker 3: it comes to investing. And people say saved for retirement,
Speaker 3: but you're not really saving for retirement. You're really investing
Speaker 3: for retirement. But once you get your financial foundation kind
Speaker 3: of like in place like where do I stand really
Speaker 3: leaning into setting aside investing money in retirement is where
Speaker 3: where I put most of my energy beyond the financial
Speaker 3: foundation stuff.
Speaker 1: Yeah, I love that, and I agree in the sense
Speaker 1: that twenty one is not too young to start investing.
Speaker 1: You know, I think, I mean, there's kids, you have
Speaker 1: little custodial accounts and they're investing. I mean, I think
Speaker 1: I shared that story last week about the little boy
Speaker 1: who was ten and his mom bought him sixty shares
Speaker 1: of game stock, game stop stock or something like that,
Speaker 1: and you know, he made three thousand dollars at age ten.
Speaker 1: That's beautiful. And imagine if he and he and he
Speaker 1: took that money and he you know, reinvested in others.
Speaker 1: So who knows where he's going to be in another
Speaker 1: ten years when he's twenty all of twenty years old.
Speaker 1: So yeah, I would say even if you have I know,
Speaker 1: you said that you've lost your job, but you're also
Speaker 1: I think, being a student, you're in a bit of
Speaker 1: a honeymoon phase. You know, even if let's say the
Speaker 1: pandemic wasn't here. You know, you have a grace period
Speaker 1: before your student loans are going to be due, and
Speaker 1: you will find a job. I hope you will. Well, okay,
Speaker 1: I really hope you'll find a job. It's you sound
Speaker 1: super smart. I can't imagine why you wouldn't get a job.
Speaker 1: You will. When you find your first job, you will
Speaker 1: pay attention like I did not do, where the four
Speaker 1: to one K is and how you can sign up
Speaker 1: for it, or you know, just based on the fact
Speaker 1: that you're listening to Brown Ambition, you'll know that you
Speaker 1: can open up a brokerage account, you know, through a
Speaker 1: Vanguard or you know, through any other platform and get
Speaker 1: your excuse me, get your IRA if you don't have
Speaker 1: access to a four oh one K, and you can
Speaker 1: start automatically when you get your first paycheck or when
Speaker 1: you get your you know, start getting money from side
Speaker 1: hustles or whatnot. You can start contributing to that, and
Speaker 1: you can do it at the same time. You know
Speaker 1: you can you can invest a little maybe it's a
Speaker 1: little now, and then you're also at the same time
Speaker 1: taking a share of that and putting it into your
Speaker 1: savings fund so that you, yes, your actual savings fund.
Speaker 1: You know the money that you're going to need if you,
Speaker 1: you know, get a flat tire on the way to
Speaker 1: work one day, or you lose a job, you need
Speaker 1: to cover rent for one month while you, you know,
Speaker 1: look for another one. You do want to have some
Speaker 1: money because you don't want to get into the debt
Speaker 1: trap too or And I fell for this, thankfully, not
Speaker 1: to an intense degree, but I did have a couple
Speaker 1: thousand dollars worth of credit card debt when I graduated
Speaker 1: college for no good reason, like literally, I had no
Speaker 1: reason to. I just wanted to go to Boston for
Speaker 1: New Year's Eve, okay, and they upped my credit limit
Speaker 1: and I was like, cool, I will spend all of
Speaker 1: that right now. And that was not the wisest decision.
Speaker 1: But yeah, if you just focus on not taking on
Speaker 1: debt and building up your savings, you can do those
Speaker 1: two things at one time. You know, start investing and
Speaker 1: then also saving, and it's okay to be a financial multitasker.
Speaker 1: Just don't. Yeah, And for me, it's just more about
Speaker 1: it's about what happens if you don't start, like Tiffany said,
Speaker 1: and also not not being hard on yourself. If you're
Speaker 1: not instantly, it's going to take time to season. You know,
Speaker 1: think of it like a really good long I don't
Speaker 1: know Turkey's take forever, but imagine like, yeah, you need long,
Speaker 1: long time for that money to season in the stock
Speaker 1: market and set it forget it, and in ten years
Speaker 1: you will be so happy that you did. Yeah, I'm excited.
Speaker 1: I love that you have a fresh start.
Speaker 3: Yes, And honestly, yeah, you're in a great place to
Speaker 3: even be asking yourself these questions because some people, you know,
Speaker 3: if they put it off, and they put it off
Speaker 3: and it happens, you know, certainly I did, And it
Speaker 3: doesn't mean you won't. It won't turn out well for you.
Speaker 3: But the sooner you can start, the better.
Speaker 1: Amen, And definitely find someone in your friend circle who's
Speaker 1: on the same path you are, and then you guys
Speaker 1: can swap notes. I've always had a friend in my
Speaker 1: life who listens to the show, Hey Baron, and he
Speaker 1: and I have always just we had an agreement when
Speaker 1: we graduated and moved to New York. I'm going to
Speaker 1: tell you what I make. You're gonna tell me what
Speaker 1: you make. We're going to share that kind of information.
Speaker 1: We're going to talk about our savings, goals, We're going
Speaker 1: to talk about you know, it goes to what Tiffany
Speaker 1: was saying earlier about putting voice to fear and to shame.
Speaker 1: And I don't know it just it always felt good
Speaker 1: that he and I could hop on the phone and
Speaker 1: talk through you know, a tricky negotiation or you know,
Speaker 1: whatever was happening as we as we made our plans.
Speaker 1: And if you haven't found some want like a buddy
Speaker 1: to share those types of things with, that'll that'll go
Speaker 1: a long way too toward keeping you on track.
Speaker 2: And that, my dear, is advice sounds.
Speaker 1: Those are all the answers. You're welcome. You are very welcome.
Speaker 1: Sweet All right, man, one last segment before we part.
Speaker 1: Are you boosting or are you breaking?
Speaker 3: Oh child, I I think I'm going to break.
Speaker 1: Okay, go get it off your chest.
Speaker 2: It's a stay and space.
Speaker 1: It's okay, we created this.
Speaker 2: I'm tired being home.
Speaker 3: Okay, me someone who loves being of y'all know me.
Speaker 3: I love me some home, any home, home home. I
Speaker 3: don't like to go out, you know, I've got friends.
Speaker 3: I'm like, come here, you know, I'm all I'm miss
Speaker 3: who's all over there?
Speaker 2: You know.
Speaker 3: But finally I'm sick of my own self. And honestly,
Speaker 3: I kind of hit a wall. I literally put my
Speaker 3: mask on this weekend, and I on Sunday, I just
Speaker 3: went to Target just to walk, just because you know, Target.
Speaker 2: Is my happy place. I literally went.
Speaker 3: I took my children's book Happy Birthday Mollymore with me
Speaker 3: and I may or may not have put it on
Speaker 3: the children's book wall at Target and took pictures like
Speaker 3: you know, it belonged there.
Speaker 1: It was like wait, and.
Speaker 2: As kids walking, did you leave it there? I do that.
Speaker 2: I always do that, like place.
Speaker 3: I'm like all my books I have put them on
Speaker 3: the walk because I'm like one day, you know, it's
Speaker 3: so crazy.
Speaker 2: This is just a funny story.
Speaker 3: But I when my first book, When week Budget, came out,
Speaker 3: I did a whole photo shoot at Barnes and Nobles.
Speaker 3: I didn't know you couldn't. So we went to the bathroom.
Speaker 3: I got dressed. My friend Lauren, who's a makeup artist,
Speaker 3: did my makeup. My friend Ricky, who's who's a budding photographer.
Speaker 3: He was like, you know, I want to you know,
Speaker 3: I've got this new camera. I want to practice. Do
Speaker 3: you have pictures? That's a no, he was. This is
Speaker 3: literally probably like eleven years ago. And he was like,
Speaker 3: you know, well, let's take pictures at Barnes and Nobles.
Speaker 3: And I was like, okay, I'll wake my book put
Speaker 3: a bunch of them on the shelves. Literally in my
Speaker 3: Sunday Best Mandy, I am standing from the shelf in
Speaker 3: front of the personal finance sign taking pictures and then
Speaker 3: the manager comes over says you can't do that.
Speaker 2: I was like, wait what?
Speaker 3: And so literally I give Ricky to look like keep
Speaker 3: taking pictures.
Speaker 2: I was like, I can't smile. Should I leave?
Speaker 3: Smile? You don't say hand up when I tell you though,
Speaker 3: those pictures are fine. And so when my actual when
Speaker 3: my book, because like my other books have been self published,
Speaker 3: so you know they don't go in Barnes and No books.
Speaker 3: So when Geking with Money comes out and is actually
Speaker 3: on the Barnes and Noble shelf. I'm gonna do how
Speaker 3: it started, how it's going because it will actually be
Speaker 3: there legally and for real, and I won't have to
Speaker 3: just put it on the shelf anymore. So it's gonna
Speaker 3: be like so crazy to see. Like Tiffany, I had
Speaker 3: literally baby locks. They were like these little one interlocks,
Speaker 3: and you know, like I said in my Sunday's Best
Speaker 3: Standing next to my book, and you just know, behind
Speaker 3: the scenes, there's a manager there telling me that.
Speaker 1: Get out, that's break boo.
Speaker 2: Yeah, exactly. Well, honestly, it's just I'm just tired.
Speaker 3: And if you feel that way too, I'm sure that
Speaker 3: it's just I'm not gonna lie. I don't I don't
Speaker 3: know what to do. I don't know where to go.
Speaker 3: I don't you know, I'm not gonna go on vacation.
Speaker 3: The snow is three feet high, almost four feet high
Speaker 3: here in some places. Usually I try, I try to
Speaker 3: take a daily walk outside, and I can't do that
Speaker 3: necessarily because it's just too it's just too snowy outside.
Speaker 3: Everybody hasn't shovel, so it's been a little bit of
Speaker 3: I guess I'm a little like what is that? Cabin
Speaker 3: fever is what I'm feeling that. Oh my gosh, I
Speaker 3: was on the treadmill today. I mean, I did you
Speaker 3: know it was. The treadmill is great, but it's just,
Speaker 3: you know, I'm barred. I needed I need a break.
Speaker 3: I need to stretch my legs, go outside. I did
Speaker 3: to see people.
Speaker 1: Yeah, I need. I think we all need to see
Speaker 1: some sparkle. Like the word sparkle is coming to me.
Speaker 1: I'm just like I want some sparkle. Yes, So life
Speaker 1: doesn't have much sparkle these days, that's for sure. We
Speaker 1: have to or we have to work hard to create
Speaker 1: the sparkle in a different way. I feel you. I
Speaker 1: feel you. At the same time, I'm like, yeah, I
Speaker 1: don't go anywhere, just just be. You know, targets cool,
Speaker 1: but like you know, I like to go at nine
Speaker 1: thirty before they close, like an hour and a half
Speaker 1: before they close. It's all quiet, and you know, not
Speaker 1: the many people. But I feel you. I'm gonna do
Speaker 1: I'm gonna do a boost. I can't not boost my
Speaker 1: my my cousin Anna, who moved here, left her life
Speaker 1: in Georgia, and I used to babysit Anna and she
Speaker 1: she was my I just love her so much. She
Speaker 1: was she was one of my bridesmaids, Tiffany, if you remember,
Speaker 1: she was with a baby, and I used to babysit
Speaker 1: her when I graduated college and I did my whole
Speaker 1: traveling thing and I came home broke af and I
Speaker 1: lived in her family in my uncle's basement, and in
Speaker 1: exchange for free lodging, I would be a babysitter for
Speaker 1: their for Anna and her sister and brother. And Anna
Speaker 1: is like in her early twenties now and feeling a
Speaker 1: little bit stuck too with kind of where she's going
Speaker 1: getting her career off to you know, a strong start
Speaker 1: and all of that. So I was like, listen, I
Speaker 1: feel like we could mutually benefit from a certain arrangement.
Speaker 1: So you're gonna come live here and it's gonna be great,
Speaker 1: and you're gonna help take care of the baby when
Speaker 1: I start this new job. And she has been just amazing.
Speaker 1: I didn't realize how much I missed. Just it's just
Speaker 1: different when you have family, like just someone that knows
Speaker 1: me that I've known her her whole life, and it's
Speaker 1: just she's great with the baby. And I've been in
Speaker 1: this basement in my Zenden all day almost and Anna
Speaker 1: has just been holding it down up there with Rio,
Speaker 1: and I am just so grateful to her and all
Speaker 1: the mommies out there who are trying to make it
Speaker 1: happen with the human the humans we need to uh
Speaker 1: the tiny humans to keep alive. So that's my break,
Speaker 1: I mean, my boost rather to Anna and to some
Speaker 1: childcare that I can trust.
Speaker 3: Finally, yeay, I know there's nothing like honestly like trustworthy childcare.
Speaker 3: You know, when you can leave your kid and know
Speaker 3: that they're literally in just as good a hands as
Speaker 3: if they were with you.
Speaker 1: You yeah, you know.
Speaker 3: That's why I like, I know, like my sister is
Speaker 3: like with the two kids, I'm always like, girl, drop
Speaker 3: them off here, like you know on Saturday, because honestly,
Speaker 3: they're so well behave here because they have like their
Speaker 3: they're all their toys there in the corner. I have
Speaker 3: their favorite foods. They really they play with each other
Speaker 3: and they're a delight to have. And so just to
Speaker 3: give her a break to go food shopping, take a nap,
Speaker 3: you know, get some work.
Speaker 2: Done, because I only enjoy here. It's a joy to have.
Speaker 3: Them too, I know, And I'm just like, just drop
Speaker 3: them off and they love my My Nigerian name is
Speaker 3: otto Adochi.
Speaker 2: They're coming. So I'll hear them say can we go
Speaker 2: to Antiaedo's house.
Speaker 3: And I'm like bring them. You know, she doesn't feel
Speaker 3: like cooking dinner because she's just down the street. I'm
Speaker 3: just like, girl, come eat dinner over here.
Speaker 2: You know, Roman only eats.
Speaker 3: Yellow rice, so whatever, I just literally have a year
Speaker 3: supply of Uncle Ben's yellow once.
Speaker 2: I'm like, I'm gonna let your mom a Fiji vegetables. Look,
Speaker 2: I'm not fighting with your babysitters.
Speaker 1: Like, listen, that child is drinking all kinds of I
Speaker 1: don't even want to know what kind of juice he's
Speaker 1: had up there. I don't know.
Speaker 3: I'm just like sur they're not big juice of drinkers,
Speaker 3: like you know, it's all about water. But yeah, so
Speaker 3: I just I like, I just I can totally understand
Speaker 3: because I know that literally there's times where like I'm like, well, dag,
Speaker 3: I mean she doesn't take off their coat, she just
Speaker 3: pushed it in by.
Speaker 2: I'm like, oh, what you got this exactly.
Speaker 3: So there's nothing like having people that care and love
Speaker 3: your kids look after them, and so yeah, if you
Speaker 3: can provide that for somebody, especially during these times like
Speaker 3: now and it's just really overwhelming, certainly reach out to
Speaker 3: you know someone and say you want to drop the
Speaker 3: kid off this weekend, you know, on Saturday or Sunday.
Speaker 2: Make that reach out.
Speaker 1: Yeah. So I'm so And I'm proud of her too,
Speaker 1: because she's she's I know that she's, you know, gonna
Speaker 1: get her career off to a great start. And I'm
Speaker 1: excited that she's you know, she's my little she's my
Speaker 1: little project, and she's also helping me at the same time,
Speaker 1: which is just I mean, I closed the door to
Speaker 1: the basement this morning and I just came down here
Speaker 1: Tippany and I have not been able to do that
Speaker 1: in nearly a year, So I don't know how I survived,
Speaker 1: but I'm so glad I don't have to do that
Speaker 1: anymore by myself with no childcare. So yes, bless bless
Speaker 1: all the childcare providers, and yes, thank you to Anna Banana.
Speaker 1: Hopefully she's listening because she's also going to have Yeah, Okay,
Speaker 1: this is a feel good episode, lots of fun. Update.
Speaker 3: Yes, we've been up, down, side to side, on and
Speaker 3: out did you ever play that.
Speaker 2: Game Chinese Chinese jump ropes.
Speaker 1: Chinese jump out?
Speaker 3: Well, it's like that, like I don't know what they
Speaker 3: call it, but that's what we used to call it.
Speaker 3: I don't know if that's the right name, but it
Speaker 3: was like it's like you wear it's almost like these
Speaker 3: rubber bands that you put around your ankle and the
Speaker 3: other person puts around their ankle and you form like
Speaker 3: a rectangle with it and then you.
Speaker 2: Go in outside to side on and out.
Speaker 1: I don't know how to but I do know that
Speaker 1: viral v the kids in China at the school who
Speaker 1: were like, what were they doing? They're synchronized basketball, dribbling
Speaker 1: or something and it was next level.
Speaker 3: They were no job, No, it's not somebody knows exactly
Speaker 3: what I'm talking about. We used to call it Chinese
Speaker 3: jump rope, and I'm sure that that is not the
Speaker 3: right name. But I was in second grade, so what
Speaker 3: did I know? But remember that guys, right, especially you
Speaker 3: know sisters in outside the side on and out and
Speaker 3: you would do like kneesies, jumpsies, double z girl. Somebody's
Speaker 3: like somebody at me at the budget used to be like,
Speaker 3: I know exactly what you want.
Speaker 2: I know there's a Wikipedia.
Speaker 1: It exists. Yeah, how do you?
Speaker 3: Well, I don't know that like that's what it's called.
Speaker 3: I feel like that's some name that somebody probably gave it.
Speaker 3: There's an actual it's a game, but I don't know.
Speaker 3: I'm sure there's a proper name to it. But we
Speaker 3: used to call it because that's what the older girls
Speaker 3: told us. It was called Chinese jump rope. But I
Speaker 3: don't know that that's what it was. Mean, Wikipedia is
Speaker 3: accurate all the time. Chinese Jump Rope is a is
Speaker 3: a ropes game. You're right, I'm looking at there's even patterns.
Speaker 1: Is it?
Speaker 3: Yes?
Speaker 1: Oh my god, please, I don't know.
Speaker 3: It was so fun as a kid, like and you
Speaker 3: had to keep going like if you did in outside
Speaker 3: to side, Yes, yes, it's exactly what it is, yep,
Speaker 3: in outside to side, on and out, and you kept
Speaker 3: going until.
Speaker 2: Like you missed. Oh my god, this is exactly it. Yes, aha,
Speaker 2: I'm that crazy.
Speaker 1: Yeah, do your googles. Do your googles. All right, we'll
Speaker 1: find a reference yet again that I did not get,
Speaker 1: but I could definitely do. Cinderella lost her fellow or
Speaker 1: a dress and it was yellow double Dutch.
Speaker 3: Now Okay, you know I never learned how to jump
Speaker 3: double dutch. Never, No, I mean like I mean I
Speaker 3: started to, and then we moved to Westfield, which is
Speaker 3: largely white, so nobody knew how that.
Speaker 1: God did they still do that? I mean, I have
Speaker 1: yet to see girls in my neighborhood gathered together run
Speaker 1: some jump rope that I didn't. I didn't bring that back.
Speaker 1: We have a nice little flat street. I might just
Speaker 1: put two long jump ropes out there and just get
Speaker 1: a get a double dutch going. That would be a
Speaker 1: good cardio.
Speaker 3: There's a great company, a great company called Double Dutch Aerobics.
Speaker 3: They are so fun if you follow them on on Insta.
Speaker 3: It's a husband and wife duo and they teach kids, adults,
Speaker 3: everyone to like jump double dutch and because it's such
Speaker 3: like it's such great exercise.
Speaker 2: But they're such a fun couple.
Speaker 3: And if you're I think you're in Atlanta, you can
Speaker 3: actually take classes. So double Dutch Aerobics on IG tell
Speaker 3: them the budget needs to sen because I love that.
Speaker 2: Oh my god, it's so awesome, I know.
Speaker 3: And they've got like two little kids and like literally
Speaker 3: the like the little kids who are like two and
Speaker 3: three and a half will turn rope.
Speaker 2: I'm like, how do they know how to turn rope?
Speaker 3: So yeah, they're just it's an adorable account to follow anyway,
Speaker 3: but but yeah, just in general, they're just you know,
Speaker 3: they're just a fun couple.
Speaker 2: And like I said, if you're in Atlanta, Georgia, you
Speaker 2: might want to take a clay.
Speaker 1: It's like everybody.
Speaker 3: I know, all right, I know, I like.
Speaker 1: I like to get something. Probably somebody needs to be fed.
Speaker 1: If like quiet over there, well I just hear the
Speaker 1: baby laughing, and I'm kind of like, I just feel
Speaker 1: like I should just we should just have a two
Speaker 1: hour show because we can't. No, you go enjoy, relax.
Speaker 1: And I want to hear soon how you're going to
Speaker 1: be celebrating your book launch because it deserves to be celebrated. Okay, okay, okay,
Speaker 1: all right, thanks Tiff, and thank you guys. See you
Speaker 1: next week. A brand Vision