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Speaker 1: It's time for the b a q a A. The

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Speaker 1: b a q A What you say, The b a

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Speaker 1: q A with Manda, The b a q A with Tippanda,

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Speaker 1: the b a q Welcome back to Brown a Vision,

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Speaker 1: Question and Answer. You have questions, We have some answers.

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Speaker 1: Although we're not your attorney, your financial advisor, your therapist,

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Speaker 1: your mama, but we are two very very smart Brown

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Speaker 1: girls about money, career, business, entrepreneurship, so we'd love your questions.

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Speaker 1: If you have a question, you can go to Brownibision

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Speaker 1: podcast dot com and submit them there.

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Speaker 2: You can also if you want.

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Speaker 1: To be in in the stew as the young people

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Speaker 1: say and sit in the hot seat, you can leave

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Speaker 1: us a voice note via Instagram. Brown and Vision pod

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Speaker 1: cast on Instagram. And yeah, we will potentially have you

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Speaker 1: in the studio with us. We're gonna do money questions today,

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Speaker 1: Mandra right.

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Speaker 3: Yeah, we got some juicy ones and we're gonna go

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Speaker 3: old school here and read them. These are some questions

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Speaker 3: that were submitted through ig Let's kick off. There are

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Speaker 3: a couple of debt questions today, which is one of

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Speaker 3: our lovely one of our favorite topics, especially considering what's

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Speaker 3: happening in the economy right now. So let's start with

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Speaker 3: ig question number one from listener MSW. MSW says, Hi, ladies,

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Speaker 3: can you both explain how it's hard to get rid

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Speaker 3: of credit card debt during a recession? Is it because

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Speaker 3: they increase the interest rates? Should we not use credit

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Speaker 3: cards at all? Due to this? I'm getting emails about

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Speaker 3: how I can double my points if I use my

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Speaker 3: credit card and other deals like that. I love the

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Speaker 3: podcast benefit since day one. Thank you, MSW.

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Speaker 1: Oh MSW, are you a social worker because that's the

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Speaker 1: social worker you know, MSW, exactly I can ask.

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Speaker 2: Okay, I thought it.

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Speaker 3: Sounded like kind of vaguely.

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Speaker 2: You girl with the people said.

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Speaker 3: They are trying anyone scentivise you to use your credit

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Speaker 3: card because they make so much money off of these

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Speaker 3: days billions.

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Speaker 1: Yes, so for one, I'll take on the tod you

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Speaker 1: not use your credit card, No, girl, If you pay

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Speaker 1: your credit card off in full every single month, they

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Speaker 1: ain't got to worry about a lot, you know, like

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Speaker 1: that's not you know, that's not the issue paying off.

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Speaker 1: So I, for example, finally joined the Big Girl money club.

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Speaker 1: I don't know if I told you this manager that

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Speaker 1: you know I have my my I think it's mostly

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Speaker 1: my American Express card. I put like almost all my

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Speaker 1: bills on it, and I paid off every month in full,

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Speaker 1: and I have so many points as a result. But

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Speaker 1: I was scared to join the big girl money club

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Speaker 1: because even though I've been paying off my credit card

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Speaker 1: in full, well, you know, like the club where people

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Speaker 1: like put all their bills on their credit card so

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Speaker 1: they can just use points, and they put them on

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Speaker 1: their credit card because they paid off in full. You know,

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Speaker 1: even though I've been paying off my credit card in

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Speaker 1: full for like over ten years, I was scared to

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Speaker 1: put my bills on my credit card, you know, because

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Speaker 1: it's just like what if it's like girl, First of all,

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Speaker 1: I live off ten percent of what I make.

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Speaker 2: You're gonna be fine.

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Speaker 1: So instead now as a result, you know, I use

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Speaker 1: those points to upgrade when I fly to you know,

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Speaker 1: to really for travel for me.

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Speaker 2: I really love that.

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Speaker 1: So using a credit card is not inherently bad. If

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Speaker 1: you paid off in full every month, you don't have

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Speaker 1: to worry about the rais and interest rates. But our

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Speaker 1: friend Jerome not too long Gero Rome Powell not too

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Speaker 1: long ago, right, he raised interest rates, right, mandra he did.

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Speaker 3: I mean, they've been raising interest rate interest rates quarter

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Speaker 3: after quarter, and they're doing this for a couple of reasons.

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Speaker 3: Like y'all know, during the pandemic, y'all were getting stimmy's okay,

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Speaker 3: we were getting stimulus checks. Not only that, but like

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Speaker 3: the labor market was hot, hot, hot, We're getting big

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Speaker 3: fat raises, a great resignation. Y'all were quitting your way rich,

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Speaker 3: and I love it and I'm here for it. But

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Speaker 3: because Americans suddenly had sitting on all these piles of cash,

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Speaker 3: basically extra money in the bank, we were shopping. We

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Speaker 3: were shopping a lot. We were shopping so much that

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Speaker 3: supply chain is you started to be a problem and

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Speaker 3: there literally wasn't enough stuff for as much appetite as

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Speaker 3: we had. And that is what has been leading to inflation,

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Speaker 3: which is like increased prices. But what's crazy is like, yes,

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Speaker 3: inflation is to blame, because you know, there was more

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Speaker 3: increased demand, but also you just see companies raising prices

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Speaker 3: almost using inflation as an excuse to raise them. You know,

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Speaker 3: because like even though inflation averages what like seven percent

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Speaker 3: right now, you're seeing prices for you know, some products

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Speaker 3: way more than just like seven percent more expensive. But anyway,

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Speaker 3: So one way that the Federal Reserve is trying to

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Speaker 3: control inflation, which is like a good thing they have,

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Speaker 3: they have our best interests at hearts at heart, I think,

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Speaker 3: is they start to raise the base federal funds rate,

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Speaker 3: which does impact the cost of borrowing not just for

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Speaker 3: you and me, but also big corporations as well. So

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Speaker 3: one of the first ways that we feel it as

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Speaker 3: consumers is in our credit card. So your interest rate

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Speaker 3: on your credit card very likely goes up. Everyone's probably

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Speaker 3: got a variable rate interest credit card. That's pretty much

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Speaker 3: the only kind you can get these days, so it

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Speaker 3: will go up when the rates go up. So if

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Speaker 3: you haven't, go check your most recent credit card statement

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Speaker 3: or your email and see what your rate is these days.

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Speaker 3: Because you're right, it is getting increasingly more expensive as

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Speaker 3: they raise rates to carry credit card debt. So yes,

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Speaker 3: if you have credit card debt, I would absolutely encourage

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Speaker 3: you to stop accruing additional debt and focus on paying

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Speaker 3: it down because it's just getting more and more expensive yeah,

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Speaker 3: to carry it. So that's your little mini inflation slash

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Speaker 3: fed lesson for the day. I was looking like, what

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Speaker 3: was the average APR right now, and it's a about

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Speaker 3: it's over. Wait, let me check. It's twenty two point

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Speaker 3: nine percent. Yes, because I remember.

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Speaker 1: Getting credit card, it's like between twenty and thirty percent.

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Speaker 1: Credit cards usually like range between. I mean, if you

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Speaker 1: have excellent credit. I remember my Chase Good Time card

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Speaker 1: when I got that, it was sixteen percent. That was

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Speaker 1: back in the eight days when.

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Speaker 3: Rates were really low, back in my twenty seventeen sixteen something.

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Speaker 1: My last fourteen ninety nine. I remembered to think.

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Speaker 2: I was look at me.

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Speaker 3: It's still a lot, but you know, trying not to

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Speaker 3: carry a balance. But I am someone who like I

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Speaker 3: have I have been. I joined the Big Girl Club

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Speaker 3: and like getting getting different cards for different like I

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Speaker 3: have a Target Red card and I have my AMEX

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Speaker 3: for shopping, and I have my Chase Good Time Card

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Speaker 3: for travel and food, and I have a business credit card.

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Speaker 3: So no, we have like four credit cards to track Tiffany,

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Speaker 3: I have a confession to make. I was actually laughing.

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Speaker 3: I was cracking up with Jamila's Sufranz. She's been on

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Speaker 3: the show before. She's the co host of or the

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Speaker 3: host of Journey to Launch. She and I were confessing

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Speaker 3: to each other that we paid interest fees on our

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Speaker 3: credit cards recently because we just forgot to pay them all. Yes, same,

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Speaker 3: And I was like, I never did this when I

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Speaker 3: was broke, but yeah, anyway, it's a dirty little secret.

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Speaker 3: But yeah, it's getting expensive out here, so you have

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Speaker 3: to be really careful.

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Speaker 1: Yeah, So inherently should you not use credit cards at all?

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Speaker 2: Not? I don't believe so.

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Speaker 1: But you got to know yourself, right, It's like, if

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Speaker 1: you know that, like you're not paying it off in full,

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Speaker 1: and you're and you're you know, having like a little

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Speaker 1: bit of a struggle, then you want to suspend.

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Speaker 2: Or at least reduce the use of credit cards, you know.

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Speaker 1: But if you're someone who was already paying them off

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Speaker 1: in full every month, then I wouldn't concern myself, you know,

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Speaker 1: you know so much like I don't. I couldn't even

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Speaker 1: tell you that in my interest rates on my credit

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Speaker 1: cards because why I pay them off in full, you know,

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Speaker 1: every single month. And so yeah, so but I love

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Speaker 1: this question. It was a really great one, Like, you know,

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Speaker 1: so thank you Emma's w for what you do for

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Speaker 1: the people. But also this is just a really great,

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Speaker 1: really great questions. I think it's important for people to

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Speaker 1: understand that. I think when people think that when the

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Speaker 1: Feds rate raise the rates, Mandy, that people think that

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Speaker 1: it's it's like the rate that they're raising is like

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Speaker 1: the credit rating rate that we get as consumers.

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Speaker 2: But it's like no, no, no, no.

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Speaker 1: No, like it trickles down, you know, no, but meaning

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Speaker 1: like you know, like Jerome Powell says, Oh, the new

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Speaker 1: rate is you know, up you know, point five percent,

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Speaker 1: and then your credit card interest rate is gonna be

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Speaker 1: up point five percent. It's not that's not the rate

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Speaker 1: that they're raising, but it trickles down, yes.

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Speaker 2: And to us, you know, because there's really like the rate.

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Speaker 1: For like like the big bank borrowers, Like that's what's

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Speaker 1: happening there exactly.

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Speaker 3: And it also leads into like auto loan rates obviously

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Speaker 3: housing like mortgage rates are so incredibly And the funny

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Speaker 3: thing is that and you know what. Shout out to

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Speaker 3: the chief mortgage economist at my former company, lending Tree,

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Speaker 3: ten Die cup Feeds say, bless his heart. He explained

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Speaker 3: this to me. I would say no less than a

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Speaker 3: dozen times, and I still don't remember why. But I

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Speaker 3: do know enough to know that the federal rate increases.

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Speaker 3: They don't directly impact mortgage rates, but indirectly they do.

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Speaker 3: So they do, but it's not like a direct you

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Speaker 3: know impact or whatever. Ten you have to explain to

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Speaker 3: me again. But anyway, that's why housing is getting more expensive,

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Speaker 3: your auto loans, your personal loans are getting more expensive,

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Speaker 3: any kind of like consumer debt.

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Speaker 2: Usually the only art like it's just got to be

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Speaker 2: more pricey. Yeah.

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Speaker 3: The only upside is like your savings rates will be

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Speaker 3: going out rural. Yeah, so I think a couple percent.

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Speaker 3: We're getting back to the heydays of your highyield savings accounts.

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Speaker 1: Girl, it's like it's giving three point three three point seven.

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Speaker 1: I'm leaving the ally I sawry. Yeah, like, girl, because

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Speaker 1: you ain't paying as much as others.

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Speaker 2: So I'm leaving. Ain't know, I don't know. We're switching

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Speaker 2: over from Allah. You know, if you caught it, you

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Speaker 2: caught it.

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Speaker 1: But because I'm just like, yeah, because I'm not loyal

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Speaker 1: pose what I got to be loyal for.

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Speaker 2: I'm loyal to the coin who's paying better than access rates.

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Speaker 2: And so I'm switching.

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Speaker 1: And so that is the good thing that here's the

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Speaker 1: thing about interest rates. Okay that what's important to understand

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Speaker 1: is that depending on where you are in your financial journey,

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Speaker 1: the raising of interest rates is a good or bad thing.

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Speaker 1: If you're on this side of your financial journey where

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Speaker 1: a debt is still prevalent and it's like, you know that,

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Speaker 1: like you're just having a hard time with debt, then

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Speaker 1: the raising of interest rates by the Fed is going

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Speaker 1: to be a bad thing for you because you're going

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Speaker 1: to have to contend with higher monthly payments overall. If

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Speaker 1: you are on the side of your financial journey where

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Speaker 1: you've minimized or totally eliminated debt and now you're saving

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Speaker 1: and investing, then that's the side. Then the Fed's raising

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Speaker 1: the interest rates is a good thing because you're like, ooo,

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Speaker 1: who the money that I have saved actually is earning

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Speaker 1: more money, and I have the potential to keep and

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Speaker 1: make more. So depending and there's no judgment on where

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Speaker 1: you are on what side, because we have both both,

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Speaker 1: Manny and I have been on both sides, you know,

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Speaker 1: and so like now I'm on the woohoo, you know,

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Speaker 1: I'm finally on the side where like I don't have

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Speaker 1: any debt, and so the raising of the interest rates,

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Speaker 1: it doesn't concern me. If anything else, I'm like, hey,

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Speaker 1: let me see how much I can squeeze out of

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Speaker 1: my high yield savings account. So just keep that in

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Speaker 1: mind that, like very often personal finance, something is not

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Speaker 1: good or bad. Like credit cards. I don't believe that

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Speaker 1: they're good or bad. It just depends on where you

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Speaker 1: currently are with your finances and how you navigate them.

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Speaker 1: And so you know, our desire, Mandy, as I desire,

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Speaker 1: is to help you work towards the other side.

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Speaker 2: When these things happen.

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Speaker 1: It's good for you, you know, and as good as

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Speaker 1: it can be.

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Speaker 3: Yeah, yeah, it just sucks that with these rates, and

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Speaker 3: like the market's always uncertain for some reason or another.

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Speaker 3: But we're still seeing, like my portfolio is not giving

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Speaker 3: what I would like to see. It's still down like

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Speaker 3: ten percent my investments for the year. And the truth is,

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Speaker 3: like a lot of companies, especially this is why we're

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Speaker 3: seeing somebody layoffs in tech. Not to turn it into

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Speaker 3: the career episode, but you know, tech relies on a

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Speaker 3: lot of borrowing venture capital funding for their businesses. And

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Speaker 3: when the cost of borrowing the money that these businesses

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Speaker 3: are lending them and the money that businesses themselves are

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Speaker 3: being lent, so they can give it to tech firms.

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Speaker 3: When that gets more expensive, like it does when the

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Speaker 3: rates go up, they like to give money to tech less.

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Speaker 3: And so that's why tech is. You see them doing

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Speaker 3: layoffs and being more heavily impacted by what's happening in

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Speaker 3: the market. And yeah, in general doesn't love expensive borrowing.

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Speaker 3: So yeah, it's it's a very complex picture in general.

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Speaker 3: But do what you can pay down your debt. Look

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Speaker 3: into like balance transfer credit cards. If you have a

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Speaker 3: balance and you want to save some money, maybe you

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Speaker 3: can find a zero percent interest like an intro offer

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Speaker 3: that you can transfer your credit card to a different card.

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Speaker 3: I did that last year, and it can buy you

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Speaker 3: some time. And like, my dad just had to pay

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Speaker 3: for a bunch of dental work and he got a

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Speaker 3: personal loan at nine percent fixed rate, so that rate

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Speaker 3: is not going to change and he can use that

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Speaker 3: nine percent loan, which is much better than if he

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Speaker 3: had had to put it on you know, credit cards,

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Speaker 3: car or what he wanted to do, which was take

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Speaker 3: money out of his baby four one K. I helped

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Speaker 3: him just set up a couple of years ago. I

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Speaker 3: was like down't touch it. Yeah, fun, fun times, but

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Speaker 3: all right, ms W thank you for the question. Should

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Speaker 3: we take a quick little break and be right back

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Speaker 3: with another money question for the BAQ.

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Speaker 2: And We're black and back.

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Speaker 1: Second question comes from mss D d or it is

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Speaker 1: a double D girl. That sounds like a lot anyway, Hi, ladies,

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Speaker 1: love your show. Thanks girl. I spent the past few

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Speaker 1: years focusing on paying off debt.

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Speaker 2: Another debt question. Also, I was.

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Speaker 1: Able to get my student loan discharged due to my disability.

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Speaker 1: Actually would like to learn more about that double D.

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Speaker 1: You know, like you don't have to give me, like

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Speaker 1: you know all your business, but you know, how were

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Speaker 1: you able to because lots of people are not able

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Speaker 1: to do that? And I'm curious, she says. I work

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Speaker 1: full time and I'm wondering what I should do next.

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Speaker 1: I have credit cards that I pay off each month.

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Speaker 1: I have an emergency fund, but of course I can

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Speaker 1: always say more. I should probably focus on stashing away

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Speaker 1: from my retirement. I don't want to work in corporate

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Speaker 1: America forever. I just wanted your opinion on what's the

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Speaker 1: most important. Thanks for you, Thank you for all, Thank

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Speaker 1: you for all you both do. Girl, it's just a

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Speaker 1: lot of words to thank you for all you both did.

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Speaker 1: I problemse double D.

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Speaker 2: I can read.

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Speaker 1: So this is a really great question because it's funny,

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Speaker 1: you know, because.

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Speaker 2: Money can be dried and we go do with money.

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Speaker 1: So this is a really great question, you know, because

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Speaker 1: this is kind of like on the other side, this

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Speaker 1: is you know, this is your super fortunate you know,

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Speaker 1: all of a sudden, you know, student loan debt, which

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Speaker 1: I'm sure with a heavy load, is gone, and now

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Speaker 1: you have this excess monthly payment that you don't have

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Speaker 1: to pay out. So it's like emergency fun stashing away

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Speaker 1: for retirement, you know, like like what should she be doing?

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Speaker 1: You know, she has got credit card debt still, so

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Speaker 1: what say you manager to kick it off?

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Speaker 3: I mean, it's Harvard out knowing exactly how much credit

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Speaker 3: card debt she has. But I'm in the I'm kind

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Speaker 3: of like, kind of greedy. I'm like, can you do

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Speaker 3: a little bit of everything? Can you increase your retirement contribution?

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Speaker 3: Because really you have more money, less money coming out

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Speaker 3: of your paycheck each month, so put the money to work.

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Speaker 3: And it sounds like maybe you haven't been saving for retirement,

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Speaker 3: investing for retirement while you're paying down your debt. So

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Speaker 3: I would prioritize that and then take some money and

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Speaker 3: add to what you've been paying on your credit cards.

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Speaker 3: You can pay those down faster. Those would be the

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Speaker 3: priorities that I would have. And you do have an

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Speaker 3: emergency fund, which is you know, which is great. You

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Speaker 3: could be adding to it since you already have it.

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Speaker 3: I would prioritize the retirement and credit card debt.

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Speaker 1: I agree, because you have to think to yourself this

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Speaker 1: right that, like Mandy just read earlier in the question, right,

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Speaker 1: that credit card debt, I can almost guarantee that, unless

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Speaker 1: you have a balance transfer card or whatever, that your

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Speaker 1: interest rate lies somewhere between twenty and thirty percent. So

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Speaker 1: the market is not yielding twenty or thirty percent. So

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Speaker 1: even you know if you were to invest it, you'd

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Speaker 1: still be losing because you're losing so much with the

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Speaker 1: credit card debt that whatever gains will be a race

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Speaker 1: by that loss. So I'd be focusing on credit debt.

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Speaker 1: And normally I like for people to start with a

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Speaker 1: snowball method. But for you, sus, since you got rid

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Speaker 1: of this big lump sum with this student loan, I

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Speaker 1: probably would look at the credit card debt with the

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Speaker 1: highest interest rate first and really work on the avalanche method,

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Speaker 1: especially as we go into this potential recession and interest

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Speaker 1: rates are likely to continue to rise, so i'd pay

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Speaker 1: off that credit well, I'd be putting some of it

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Speaker 1: toward paying off that credit card debt, especially with the

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Speaker 1: highest interest rate. And to Mandy's point, you know it

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Speaker 1: is your younger self job to look after your older self,

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Speaker 1: so you know i'd be looking if I can. Will

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Speaker 1: this allow you to start to max out your retirement

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Speaker 1: every year? Consider doing that or getting close to maxing

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Speaker 1: it out, because you're right, you don't want to work

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Speaker 1: anywhere forever, ideally unless you like to really love it.

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Speaker 2: And then if there's anything left over.

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Speaker 1: You know, I'm curious how much in the emergency fund

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Speaker 1: that you have if you have your three to six

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Speaker 1: months and I don't you know there is because you

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Speaker 1: said like you could always save more, and I was

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Speaker 1: going to, like, you know, be like girl, this actually

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Speaker 1: you can actually oversave.

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Speaker 2: Like I'm not gonna lie.

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Speaker 1: I'm kind of in that oversaved category. Soce manager Loky Hockey, we.

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Speaker 2: Have like a year. It's like, girl, why do you

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Speaker 2: say I have over eight years with the saving saved.

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Speaker 1: Which anything above that, I mean, I'm already being ridiculous

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Speaker 1: because I'm like, girl.

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Speaker 2: You do not need this money to save this much, but.

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Speaker 1: It's for my own comfort. So I have a year's

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Speaker 1: worth of expenses saved that let's just say I had

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Speaker 1: five years. That's too much because four of those years

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Speaker 1: at a minimum should be going and investing for wealth.

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Speaker 1: Because if I'm maxing out retirement, I don't have debt,

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Speaker 1: my emergency fund is fully funded. That excess money should

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Speaker 1: really be invested in for wealth. That is what the

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Speaker 1: excess money is for. And so if you are in

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Speaker 1: a place where there's still money left over because I

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Speaker 1: don't know how much your your student loan payment was,

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Speaker 1: that you should consider starting to invest for wealth because

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Speaker 1: you have your reach. You're on the other side of

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Speaker 1: like maintenance of money, and you're on the side of

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Speaker 1: really growth of money. Because retirement investing is not the

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Speaker 1: same thing as wealth investing. Retirement investing is investing for

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Speaker 1: to maintain your current lifestyle. You know, Like I know

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Speaker 1: they show you the commercials was like retire, you'll be

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Speaker 1: on the island. No, I need you to look around

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Speaker 1: your life. Now, hey, life, If I set aside this,

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Speaker 1: how I'm going to continue to live?

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Speaker 2: Yeah, which is fine, you know what I mean. You know,

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Speaker 2: it's better than cat food, you know.

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Speaker 1: So that's what retirement investing for retirement is to maintain

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Speaker 1: your current lifestyle and if you can. That's why it's

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Speaker 1: the bear bones basic. So if you've done these bear

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Speaker 1: bones basics, then you have money left over, then consider

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Speaker 1: like setting aside to invest for wealth, because then you

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Speaker 1: can elevate your current lifestyle and then also elevate your

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Speaker 1: your your lifestyle in the future.

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Speaker 3: So so no believe, I was just thinking about the

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Speaker 3: fact that she says she has a disability. Obviously don't

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Speaker 3: have more specifics on what that disability is. But it

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Speaker 3: may even be more important for you to be setting

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Speaker 3: aside money for your future self because you may need

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Speaker 3: additional health care, you know, support, And to that, I

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Speaker 3: would say look into if you have an HSA, a

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Speaker 3: health savings account that you can put as part of

401
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Speaker 3: your retirement plan. You know, that can help you set

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Speaker 3: aside dollars pre texts that you can use for health

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Speaker 3: expenses in retirement later down the line, and you can

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Speaker 3: actually invest that money too. So there's another advantage there.

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Speaker 3: But yeah, I'm I'm I'm definitely pro long term savings

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Speaker 3: and investing for you, and good luck with them with

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Speaker 3: your credit card debt too, and kudos, I'm getting your

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Speaker 3: student loans discharge you. I'm with Tiff, like, I want

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Speaker 3: more details. How'd you do with that double date?

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Speaker 2: Yeah?

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Speaker 1: Share the deeds because you know we might be able

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Speaker 1: to It might be helpful to be like, hey, yeah,

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Speaker 1: like I said, you don't have to share what your

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Speaker 1: disability is, but it'd be just great to know that

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Speaker 1: maybe it's like, hey, I was able to do it

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Speaker 1: because this law or this whatever, and we could share

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Speaker 1: that information with our audience.

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Speaker 2: So wow, that's the idea to day. I got ready

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Speaker 2: say double D chat and I tell you I'm just

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Speaker 2: I'm just mad. I'm just jealous. That's all. At the

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Speaker 2: end of the day, I know we need the.

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Speaker 1: Remember someone told me that I looked at my journal

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Speaker 1: from sixth grade and I literally wrote, Timothy Cook is

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Speaker 1: not my friend.

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Speaker 2: He said, I'm a member of the any Batic.

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Speaker 3: Oh my god, boy, who doesn't do that ship to

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Speaker 3: little girls?

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Speaker 1: I mean it was I was trapping past because literally

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Speaker 1: in the journal, why was the page tear stained.

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Speaker 3: I know maybe bites you're like I love it and

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Speaker 3: you're not supposed.

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Speaker 2: To have I mean for real, but whatever, Tim Cook,

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Speaker 2: you were a jerk. But no Cook, oh you do no, no,

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Speaker 2: but no.

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Speaker 1: If you guys want to be you know, if you

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Speaker 1: want to participate in b a Q, you can always

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00:20:53,800 --> 00:20:57,640
Speaker 1: send us like just written, you know, messages on any

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Speaker 1: of our social platforms or Brandon Bitsch podcast dot com

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Speaker 1: and click ask us anything or contact me form. If

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Speaker 1: you want to be actually in studio and record with us,

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Speaker 1: which we love that too, you know, you have to

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Speaker 1: leave us a voice note on Instagram so we can

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Speaker 1: hear your voice, you know, make sure you know you

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Speaker 1: got it all together, and then we'll invite you into

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Speaker 1: the stew with me and Mandra Awesome.

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Speaker 3: See you guys next time. Bye, Hey ba fan, We

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Speaker 3: could not do this show without your support or the

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Speaker 3: support of our team behind the scenes. The Brown Emission

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Speaker 3: Podcast is produced by Cumulus Podcast Network. It's edited by

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Speaker 3: the wonderful Emani Crosby and produced by Tanya Bustos. Dennis

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Speaker 3: Stimplinsky is our in house tech guru, and I am

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Speaker 3: Bandy Woodrid Santos your co host, and I will see

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Speaker 3: y'all next week.