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Speaker 1: Hey, hey, hey, we're black, we're black, We're brown.

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Speaker 2: It's Tiffany, except y'all it's Mandy.

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Speaker 3: Yes, I've got some shady news, mandra.

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Speaker 2: Oh please share. Let's kick it off with shade.

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Speaker 1: Yes, because you know, but it's like good shade, you know,

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Speaker 1: when bad things happen to bad people. I mean, I'm sorry, Jesus,

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Speaker 1: just take a moment. Just give me a moment, so

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Speaker 1: if you might, you might know if you follow the

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Speaker 1: budgetista that.

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Speaker 2: Haven't heard of her, have no idea what you're talking about.

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Speaker 1: Well, the infamous start of the brand was like a

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Speaker 1: really bad time. So right before the recession, young vigeanista myself,

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Speaker 1: I made the extremely poor choice to trust who was

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Speaker 1: a friend of mine with like how do you invest?

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Speaker 1: Because back then, you know, when you're like in your

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Speaker 1: early twenties, you think that if someone has a nice car,

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Speaker 1: in a nice apartment and all, like.

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Speaker 3: Really not like Ferrari all that stuff.

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Speaker 1: I really thought that that meant he actually had money.

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Speaker 1: You know, he was like in his thirties and I

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Speaker 1: was in my early twenties. I was like, Wow, he's

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Speaker 1: got money. Let's call him Bob. Bob's got money, you know,

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Speaker 1: and so I'd bought. I just bought a house, and

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Speaker 1: I was saving. I was doing all the right things,

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Speaker 1: and I said, I want to learn how to invest

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Speaker 1: outside of I had money in my retirement account. I

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Speaker 1: was setting outside that, but I had excess money, and

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Speaker 1: I was like, what do I do with this excess money?

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Speaker 1: I want to learn how to invest. You know who's

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Speaker 1: independently wealthy, Bob. So I reached out to Bob and

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Speaker 1: I had sucker written all over my face.

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Speaker 2: Oh man, you went to him.

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Speaker 3: Yes, So long story, very very very short.

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Speaker 1: I ended up in twenty five thousand, no, twenty five

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Speaker 1: to thirty thousand, well, twenty five thousand dollars in debt.

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Speaker 1: I took money off of a credit card because we

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Speaker 1: were invested, and put it back. I mean, I didn't

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Speaker 1: even know you could take money off a credit card,

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Speaker 1: so he convinced me to do so.

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Speaker 3: Meanwhile, back then I had no credit card debt.

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Speaker 1: I used to use like one card to like pay

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Speaker 1: for gas and just paid off three month, so I

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Speaker 1: wasn't even familiar. And by then too, I had paid

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Speaker 1: off my my undergrad student loan debt because it wasn't much.

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Speaker 3: I commuted from home. And my parents helped out.

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Speaker 1: And so maybe I had like five thousand dollars an

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Speaker 1: undergrad debt, so I paid that off, and I think

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Speaker 1: I was still in grad school, so I didn't have

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Speaker 1: I was accumulating my master's debt, but I didn't like

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Speaker 1: have it have it yet. So anyway, I was basically,

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Speaker 1: you know, pretty good. I had a home, and so

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Speaker 1: we did this thing and took the money off the card.

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Speaker 3: He promptly ran away with it.

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Speaker 1: But before I realized he ran away with it, I

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Speaker 1: bought I bought a online to.

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Speaker 3: See this is I was stuper on top of stupid, so.

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Speaker 1: I bought an online course from like a well known

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Speaker 1: like financial expert that we all kind of know now.

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Speaker 3: I think it was like something crazy.

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Speaker 1: It was definitely over five thousand dollars because I wanted

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Speaker 1: to learn how to start a business. And I was like, look,

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Speaker 1: I'm about to be rich, Mandy, Manny, don't don't you gas, Mandy.

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Speaker 2: I know how it ends, and I'm still just like

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Speaker 2: on the ende of my seat.

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Speaker 3: I'm about to be rich.

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Speaker 1: I mean, according to Bob, we're about to take this

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Speaker 1: money and it's gonna the money's then you'll be twenty

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Speaker 1: one hundred dollars a week, Mandy for two years. You

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Speaker 1: do the math, Mandy, sounds about right, right, I was like,

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Speaker 1: sounds about foolish. And I said sure, and I'm not

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Speaker 1: gonna tell nobody because they're just gonna ran on my parade.

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Speaker 1: I'll let them, I'll let it rain on them and

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Speaker 1: then they'll see that I was right. So this was,

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Speaker 1: you know, twenty three, twenty four year old tipany thinking.

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Speaker 1: So yeah, I, I, you know, gave Bob the money

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Speaker 1: he but I didn't know he ran away with that

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Speaker 1: at first because he said I won't I won't get

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Speaker 1: my money like the first month. It'll start coming in

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Speaker 1: after that. And then yeah, so then I ended up.

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Speaker 1: I didn't even use the car to like buy clothes

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Speaker 1: and notything like that. I literally bought.

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Speaker 3: This one course.

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Speaker 1: So it took whatever it is it was in the

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Speaker 1: twenties that that I took off to give to Bob,

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Speaker 1: And it took me from that to thirty or thirty

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Speaker 1: five thousand dollars from no credit card deb to thirty

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Speaker 1: or thirty five thousand spent so long, and so here

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Speaker 1: I am taking this course which was like like it

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Speaker 1: was weak at best, but I'm like, you know, I

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Speaker 1: wanted to prepare for this new money that's coming in

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Speaker 1: that never came. And then after month one, Bob, were

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Speaker 1: you at calling, texting, crying. I mean, like, it took

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Speaker 1: me a long time to really understand that Bob took

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Speaker 1: my money because we signed a contract.

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Speaker 3: I'm like, well, I have a contract, so which.

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Speaker 1: Meant nothing because Bob, like you know, just ran away basically,

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Speaker 1: and I found that there was someone else that there was,

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Speaker 1: like a mutual friend that he'd introduced me to.

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Speaker 3: At some point I reached out to him and he

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Speaker 3: was like, bobst my money.

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Speaker 1: Too, and I was like wow, I said, well, I

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Speaker 1: don't know about you, but I'm getting my money back.

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Speaker 1: So for two years, really maybe like a year and

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Speaker 1: a half, I pursued Bob everywhere he went, everywhere.

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Speaker 3: I followed him on social media. I tried to do

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Speaker 3: pop ups. I'm like, oh, you want to be in Chicago.

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Speaker 1: I don't even have the money for Chicago, but I'm

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Speaker 1: gonna see you one day, Bob. You gotta come by

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Speaker 1: New York and I'm gonn to you. And it never happened,

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Speaker 1: even though he was terrible, because this is what was

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Speaker 1: so bad about Bob is not that he wouldn't pick

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Speaker 1: up the phone, Mandy. Can you imagine Bob would pick

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Speaker 1: up the phone and be like, Oh, I'm sending you

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Speaker 1: the me tomorrow.

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Speaker 3: Pick up the phone.

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Speaker 1: Oh, you didn't get my wire transfer. It's in there,

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Speaker 1: and then had the nerve to ask me at one point, Oh,

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Speaker 1: I got stuck in whatever country's in could you just

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Speaker 1: wire me like fifteen hundred dollars and as soon as

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Speaker 1: I get back, I'll have your money.

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Speaker 3: I said. So, I'm supposed to give you my fifteen

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Speaker 3: hundred dollars for my mortgage to you, Bob, and you

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Speaker 3: have not paid me the twenty five thousand that you

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Speaker 3: owe me. Wow. And he was just like, you know,

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Speaker 3: it's only because I'm stuck here.

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Speaker 1: I mean, if you want your money, I can't be

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Speaker 1: stuck in whatever country that he's supposedly stuck in.

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Speaker 3: Of course, Nee Lissa said, I did not give him

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Speaker 3: the fifteen hundred dollars. I was like, well, give me

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Speaker 3: my money.

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Speaker 1: So that went on for like a year and a half.

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Speaker 1: I mean everything, it just was. I was hysterical at

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Speaker 1: one point.

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Speaker 2: Was he also one of the co founders of the

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Speaker 2: Fire festival.

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Speaker 3: You know, he mustn't. He must know that.

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Speaker 1: But the thing is, I've been to his pen half,

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Speaker 1: like he's had a party at his penthouse suite in

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Speaker 1: New York.

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Speaker 3: You know, I've seen him and it's his ferrari. So

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Speaker 3: I'm like, Bob's got money.

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Speaker 1: Yes, that was the people's money, and so yeah, So

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Speaker 1: that went on for like a year and a half.

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Speaker 1: I never got my money, but it then there was

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Speaker 1: session hit then, I you know, so here I was

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Speaker 1: thirty five thousand dollars in credit card debt. My student

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Speaker 1: loans finally hit because I graduated until fifty something thousand,

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Speaker 1: and my condo I could no longer afford two hundred

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Speaker 1: and like twenty thousand. So I was like, you know,

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Speaker 1: over over three hundred thousand dollars in debt and no

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Speaker 1: income coming in, and it was just really devastating. I

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Speaker 1: moved back home, started the Budgetista. As I began to

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Speaker 1: rebuild my life, I realized I wasn't the only one

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Speaker 1: who needed rebuilding. And so, you know, because my father

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Speaker 1: was an accountant in the CFO, and he'd already sent

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Speaker 1: me to all of these classes, had all these like certifications,

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Speaker 1: Like when I was younger about how to manage our money.

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Speaker 1: And so the investment part is the only part that

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Speaker 1: we never really talked about. That's why I made that mistake.

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Speaker 1: But anyway, I dug myself out, and as I was

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Speaker 1: digging myself out, the teacher and me started helping my friends,

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Speaker 1: and then their friends and then their friends, and the

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Speaker 1: budgetista was born. Basically, so, I think last week we

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Speaker 1: talked about something and it made me google Bob.

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Speaker 3: I said, let me see.

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Speaker 1: And meanwhile, so at one point I had to, like,

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Speaker 1: I had to release the expectation that I was ever

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Speaker 1: going to get my money back, like I had gone.

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Speaker 3: I got a friend of mine was a lawyer. She

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Speaker 3: looked over the contract. She said, Takes, did you read this?

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Speaker 1: I was like, now, she said, so apparently Bob is

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Speaker 1: a citizen of France. Although and so she was like,

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Speaker 1: so this says you can sue him in France.

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Speaker 3: I was like, oh, well, clearly I didn't read it.

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Speaker 1: And so and by then too, I had already spoke

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Speaker 1: to Carlos, my accountant, and so what Carlos did was

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Speaker 1: he said, this, we can start to write this off

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Speaker 1: a year after year as a loss. So I already

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Speaker 1: you know I took the you know, my my taxes

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Speaker 1: reflected this this investment loss, and I said, okay. So

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Speaker 1: then I blocked Bob on everything because he was like weird.

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Speaker 1: He would call me and reach out and pretend like

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Speaker 1: he sends the money or he was sending it, and

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Speaker 1: it got to be honestly, it got to be a

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Speaker 1: lot on my spirit, you know, like like expect and

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Speaker 1: expecting like I was going to get the money didn't come.

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Speaker 3: So I blocked him on the phone. I blocked him everywhere.

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Speaker 1: But then like literally I haven't thought about him, like

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Speaker 1: I don't know the last six seven years.

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Speaker 3: And then I did something we spoke about last week,

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Speaker 3: maybe google him. So apparently Bob.

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Speaker 1: Has been scamming everywhere with Who's surprised. So Bob has

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Speaker 1: scammed in Florida, where I met him. He's on trial

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Speaker 1: for that, scammed in Georgia. But I remember he said

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Speaker 1: he like stayed a lot of time, like spent a

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Speaker 1: lot of time in Atlanta, and scammed in New York.

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Speaker 1: But Pete this, I mean, I'm sure Bob scamed regular people.

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Speaker 1: But Bob, being the fool that he is, scammed the

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Speaker 1: United States government. There is literally a he's in federal

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Speaker 1: prison right now, which I'm like, oh, look at that,

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Speaker 1: just dessert.

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Speaker 2: So where did they prosecute him? Was it in the States?

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Speaker 1: Yeah, so apparently Bob so themly there's like a like

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Speaker 1: I was looking online and it says the United States

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Speaker 1: of America's versus Bob, not his name obviously, and apparently

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Speaker 1: what he tried to do is, Hey, they're prosecuting him

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Speaker 1: for aggravated identity theft. He tried to make false statements

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Speaker 1: on a US passport. So I don't know if he

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Speaker 1: had been kicked out and tried to come back, but

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Speaker 1: he tried to falsify and get like a fake passport,

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Speaker 1: which is not super smart, and so you're not gonna

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Speaker 1: win against the United States government. And so he's now

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Speaker 1: in federal prison because that is a federal you know, offense,

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Speaker 1: and like I'm just reading all this like how he's

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Speaker 1: fighting against it, saying he didn't know that he filled

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Speaker 1: it out incorrectly by a mistake, and they're like, you

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Speaker 1: travel to over thirty different countries and you're you know,

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Speaker 1: such as such a year's old forty seven years old,

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Speaker 1: that like that wasn't a mistake. You did it on purpose,

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Speaker 1: So yeah, it looks like and meanwhile, it's not just there.

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Speaker 1: Bob also has pending cases in Georgia and New York.

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Speaker 1: And I said, look hip, Bob, Well, scammers never see

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Speaker 1: so now I know what the blob up.

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Speaker 3: Because of the fire festival talk. It made me say,

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Speaker 3: let me see what my scammer's up to.

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Speaker 1: So yeah, I was running away and I'm in prison.

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Speaker 1: So hopefully, you know, he'll stay there for a long while.

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Speaker 1: And I know, like the people that he sold from

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Speaker 1: will never get their money back, but hopefully it didn't

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Speaker 1: set them.

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Speaker 3: Back in a way that they never recovered.

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Speaker 1: But hey, Bob, if they let you get rand Ambish

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Speaker 1: in jail, tell your bunk made.

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Speaker 3: I said, hey, you know, let me stop.

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Speaker 1: But yeah, what it just shows though, is that, like

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Speaker 1: you know, eventually the things you do do catch up

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Speaker 1: to you. Even you might not reap what you sew, well,

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Speaker 1: you might not reap where you sew, like I you know,

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Speaker 1: wasn't able to do something to him, but you definitely

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Speaker 1: what you sew. So eventually his bad deeds caught up

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Speaker 1: with him in another space and place.

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Speaker 2: Well, I mean, I know, not everyone has to endure

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Speaker 2: what you had to endure on that level. But I think,

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Speaker 2: I mean, don't feel bad obviously, I think the best

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Speaker 2: of us can get scammed by people who sound like

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Speaker 2: too good to be true. So at least he got

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Speaker 2: his come up. And how many years later has it been?

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Speaker 2: Ten years?

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Speaker 3: I know? Is that crazy? Yep? Ten years later? So yeah,

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Speaker 3: a belch.

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Speaker 1: But the lesson and all of that, honestly, like you

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Speaker 1: guys are always asking us questions and stuff like that,

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Speaker 1: and that's good. The lesson is to you know, not

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Speaker 1: take one person's word for anything. Is to do your

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Speaker 1: own research, you know, like a wealthy investor is an

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Speaker 1: educated investor, like, you know, do your own due diligence.

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Speaker 1: You know that, And there's no shortcut to growing wealth,

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Speaker 1: like you have to participate actively in it.

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Speaker 2: Yes, and ask your friends for advice, even if it's

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Speaker 2: not what you want to hear, because.

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Speaker 3: My friends would have been like, are you kidding? Yeah? Yeah.

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Speaker 2: So another disturbing news, did you see Jesse Smollett from

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Speaker 2: Empire got attacked apparently by two white men in a

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Speaker 2: subway like the restaurant what late at night in Chicago

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Speaker 2: of all places, like they were wearing they were allegedly

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Speaker 2: wearing make America Great Again hats and tied a rope

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Speaker 2: around his neck like a noose and beat him up

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Speaker 2: and poured bleach on him. And I'm like, were they

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Speaker 2: following him? Why did they just happen to walk into

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Speaker 2: a subway restaurant at two am with a lot of

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Speaker 2: lebleach in a row?

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Speaker 3: Like what? So? Details?

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Speaker 2: Yeah, I'm sure more details will come out, but if

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Speaker 2: it's if it's all true, it's really really disturbing. There's

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Speaker 2: a picture of him and he looks really bad, like

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Speaker 2: his face is all swollen and stuff, and that's just

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Speaker 2: I mean, that's what that is the danger of all this,

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Speaker 2: Like you know, everyone asks, everyone thought that, you know,

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Speaker 2: Trump was so innocuous and just a side show, like

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Speaker 2: a publicity slide side show or you know, harmless, but

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Speaker 2: he really gave he really gave credence to the type

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Speaker 2: of behaviors and hate speech that we're seeing now, and

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Speaker 2: he kind of gave them permission, like these people permission

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Speaker 2: to be more forthcoming with their beliefs and to really

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Speaker 2: act on them, you know, because they probably see what

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Speaker 2: happened in places like Charlottesville, where he where our own

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Speaker 2: president didn't want to denounce you know, white supremacy and

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Speaker 2: the white supremacists who were, you know, at the forefront

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Speaker 2: of that and probably think that they can get away

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Speaker 2: with it now, like in the country that we're in now.

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Speaker 2: And that's what's like truly disturbing about something like this

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Speaker 2: happening twenty eighteen in Chicago. You wouldn't think that would

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Speaker 2: happen in Chicago. Yeah, I just wow, nineteen Sorry, I'm like,

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Speaker 2: what year is it?

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Speaker 3: Yeah? Wow, wow, wow, wow wow.

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Speaker 1: I don't even know what to say. That's insane. I

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Speaker 1: just can't even I just pray that he's going to

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Speaker 1: be okay.

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Speaker 2: Me too. I mean, I think I recently saw this play.

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Speaker 2: There's a new of course I did. I'm getting back

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Speaker 2: into my Broadway groove. But there's a new show a

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Speaker 2: new music hall called Choir Boy, which is about a

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Speaker 2: teenager a black So it's about an all black or

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Speaker 2: a majority black prep school for boys, and about a

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Speaker 2: graduating senior in the school who's in the choir and

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Speaker 2: he's gay, not openly gay, but he's himself and he

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Speaker 2: definitely presents as gay but hasn't come out and said it.

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Speaker 2: And it's kind of about how his other classmates interact

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Speaker 2: with him being openly but not openly gay, and I

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Speaker 2: thought it was such a beautiful show. And I saw

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Speaker 2: it with a good friend of mine and who I

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Speaker 2: won't call out, but it's a good friend of mine

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Speaker 2: who grew up in the South, just like me, being black,

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Speaker 2: and then you know, had to sort of discover his

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Speaker 2: sexuality over the years. And there's it's already hard enough

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Speaker 2: to be black, and then you throw in also being

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Speaker 2: gay on top of that, and the stigmas and the

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Speaker 2: stereotypes and you know what you have to endure not

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Speaker 2: just from just the general like homophobia that exists, but

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Speaker 2: also within the black community on top of that. It's

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Speaker 2: really hard. So like, on the one hand, I was

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Speaker 2: celebrating that play as, oh, this is a really you know,

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Speaker 2: this is the kind of musical I don't think could

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Speaker 2: have been made ten years ago. And look at the

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Speaker 2: time we're living in and you know, all happy with

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Speaker 2: my friend, and then for something like this to happen,

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Speaker 2: it's just sort of like, oh, okay, it's still it's

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Speaker 2: still not like you know, there's good with bad for

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Speaker 2: people in that situation.

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Speaker 1: Yeah, it's just so much like, oh, you know, from yeah,

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Speaker 1: I just there's just so much. He didn't just feel

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Speaker 1: like I just can't like from R Kelly, you know

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Speaker 1: that you heard that Sundance and there's this like a

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Speaker 1: new movie about Michael Jackson kind of like yeah, and honestly,

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Speaker 1: I'm not Drina, y'all know, like my best friend but

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Speaker 1: also my puplicists at sun Dancing.

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Speaker 3: She was like the screening was like legacy shattering and

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Speaker 3: like it was really bad, like.

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Speaker 1: Seven year olds eight year olds, you know, and just

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Speaker 1: pay off. I have to pay off, have to pay off,

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Speaker 1: and it's like, what is happening?

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Speaker 3: You know?

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Speaker 2: Where there's smoke, there's fire, Yeah.

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Speaker 1: And it's justially continue to smoke over and over and over,

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Speaker 1: you know, Like I know people don't want to hear it,

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Speaker 1: they want to see it. It's just so much and

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Speaker 1: you're just like, what in the heck kind of world?

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Speaker 3: You know?

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Speaker 1: That's why when people used to say, you know, back

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Speaker 1: back in the day, but when when President Obama was

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Speaker 1: elected there's no more racism. I was like every black

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Speaker 1: bron person I know was like, what someone just called

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Speaker 1: me the M word yesterday?

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Speaker 3: What are you talking about? Just because people.

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Speaker 1: Are not overt with it, But now I feel like

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Speaker 1: so much stuff is coming to the light. Some people

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Speaker 1: are flaunting, they're they're just foolishness, and some people it's

358
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Speaker 1: just coming to the light because people finally are sharing

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Speaker 1: their stories of abuse, and it's like, oh, what is

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Speaker 1: everyone terrible? You know, when you look at the people,

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Speaker 1: you know, you're like, well, my husband's not terrible.

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Speaker 3: I hope. I mean, I don't think, you know, and.

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Speaker 1: I know, you know, you just I just feel like

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Speaker 1: I'm questioning everything. I mean, I don't question, but it's

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Speaker 1: just that there's just so much happening, Just like, how

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Speaker 1: do you process all of this dismantling of all that

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Speaker 1: you know, you know.

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Speaker 2: I think just talking about it honestly and not ignoring

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Speaker 2: it anymore and having they're really uncomfortable conversations, and I

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Speaker 2: feel like we've all been forced to have them over

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Speaker 2: the past, you know, a couple of years, and especially

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Speaker 2: with the Me Too movement and looking at what happened

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Speaker 2: with R. Kelly, Yeah, and whatever happens with Michael Jackson

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Speaker 2: and even you know, what happened with Kevin Hart and

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Speaker 2: the oscars, Like everybody is just on a high alert

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Speaker 2: and the and You're right, like, the more people talk

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Speaker 2: about it, the more we may have to look back

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Speaker 2: and face uncomfortable truths like Bill Cosby, that whole thing happening.

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Speaker 3: I think just.

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Speaker 2: Talking through it and also giving yourself the like no

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Speaker 2: one has the answer, and I think, you know, there's

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Speaker 2: no black and white with people. You can have people

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Speaker 2: who do good things and then do really terrible things.

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Speaker 1: You know.

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Speaker 2: I know there was an interview with Harvey Weinstein's wife,

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Speaker 2: you know, where she's talking about a great father he is.

387
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Speaker 2: I believe that he probably was a great father, but

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Speaker 2: also a sexual predator. Yeah, and that's where it's really

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Speaker 2: And if you if you haven't had someone in your

390
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Speaker 2: life who's really been you know, been one thing to

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Speaker 2: you that's very positive, and then to hear you know,

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Speaker 2: it's like when you I'm sure in every everyone's lives,

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Speaker 2: you've heard about a relative that you loved and like

394
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Speaker 2: you hear bad things about them after they passed away

395
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Speaker 2: at the funeral or something like that. You know, it's

396
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Speaker 2: maybe not to this degree, but people are, People have skeletons,

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Speaker 2: and yeah, we just have to be just I think

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Speaker 2: it's it's almost good because we're kind of being taught

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Speaker 2: not to think about people critically and not to take

400
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Speaker 2: people like like your friend who you realized was a scammer.

401
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Speaker 1: He was so charming, like you would be like, oh

402
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Speaker 1: my gosh, I like your friend Bob. He's so charming,

403
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Speaker 1: he's smart, well travel like you would never if let's

404
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Speaker 1: just say this, if I would have never, if I

405
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Speaker 1: would have never said, hey, Bob showed me how to invest,

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Speaker 1: and all of a sudden he didn't look at me

407
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Speaker 1: as a mark before because I'm sure he's like, she's

408
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Speaker 1: a preschool teacher.

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Speaker 3: She didn't have any money, you know.

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Speaker 1: So up until then, if I would have never kind

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Speaker 1: of like exposed, like, hey, I have some money, me

412
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Speaker 1: and Bob might still be friends today. I would never

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Speaker 1: know that he was secretly stealing from people on the side. Yeah,

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Speaker 1: you know, you know so, Yeah, that was one of

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Speaker 1: the things that that was one of the things that

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Speaker 1: struck me about the Firefestival.

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Speaker 3: I watched both the.

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Speaker 1: Hulu and the and the what was it Netflix that

419
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Speaker 1: everyone said that Billy, the guy who you know sparked

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Speaker 1: this controversy, the founder of Firefest, that that he was

421
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Speaker 1: really charming, that he was cool. I mean, you could

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Speaker 1: tell even in the way people spoke about him that

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Speaker 1: they they were conflicted, like.

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Speaker 3: Oh, Billy was so chill, he was so cool, but.

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Speaker 1: My people didn't get paid, you know, so they were like, wait,

426
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Speaker 1: it's the same guy. So yeah, it is very I mean,

427
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Speaker 1: there's a there's actually a book I think. I was

428
00:19:11,560 --> 00:19:13,359
Speaker 1: like at Barnes and Nobles this weekend and it was

429
00:19:13,400 --> 00:19:16,359
Speaker 1: like this book about how this young woman was raised

430
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Speaker 1: by like a famous serial killer and she didn't know

431
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Speaker 1: until she got older. She's like, wait, what my dad

432
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Speaker 1: was killing people because that was her dad and as

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Speaker 1: far as she could tell, he was a good dad.

434
00:19:27,680 --> 00:19:28,600
Speaker 3: But it didn't mean on.

435
00:19:28,600 --> 00:19:31,840
Speaker 1: The side he wasn't killing people, which is so crazy,

436
00:19:32,000 --> 00:19:35,760
Speaker 1: you know. So yeah, it's just I'm telling you. Sometimes

437
00:19:35,760 --> 00:19:38,040
Speaker 1: it's just like ooh, ChIL, I.

438
00:19:37,400 --> 00:19:40,879
Speaker 2: Think critically about the people you interact with your financial planners,

439
00:19:40,960 --> 00:19:44,119
Speaker 2: Like every you know, your accountants, don't just like do

440
00:19:44,200 --> 00:19:47,440
Speaker 2: your own research on your own vetting, because yeah, I mean,

441
00:19:47,800 --> 00:19:49,840
Speaker 2: people are not always what they seem to be, especially

442
00:19:49,840 --> 00:19:51,320
Speaker 2: if you have if they have a way to gain

443
00:19:51,760 --> 00:19:54,840
Speaker 2: from you and being attached to you for sure, speaking

444
00:19:54,880 --> 00:19:57,800
Speaker 2: of people being taken advantage of the governments, finally not

445
00:19:57,840 --> 00:20:02,080
Speaker 2: shut down temporarily, Husby's going to get a paycheck. Hey,

446
00:20:02,280 --> 00:20:06,160
Speaker 2: I'm excited about that. Yeah, that's all insane and it's

447
00:20:06,160 --> 00:20:08,439
Speaker 2: finally kind of ending. But we don't really know if

448
00:20:08,480 --> 00:20:11,520
Speaker 2: they're gonna because Trump could turn around at the end

449
00:20:11,520 --> 00:20:13,199
Speaker 2: of these three weeks. What is it, we're back in

450
00:20:13,240 --> 00:20:17,440
Speaker 2: session or back I think the government's back in full

451
00:20:17,480 --> 00:20:19,560
Speaker 2: swing until like the fifteenth of February or something.

452
00:20:19,640 --> 00:20:19,920
Speaker 1: M h.

453
00:20:20,520 --> 00:20:23,240
Speaker 2: But he could turn around and be like, nah, no

454
00:20:23,359 --> 00:20:27,440
Speaker 2: wall okay, let's do another shutdown, and that would just

455
00:20:27,480 --> 00:20:29,920
Speaker 2: screw so many families up. So hopefully it doesn't happen.

456
00:20:30,320 --> 00:20:32,399
Speaker 1: Yes, I just like but the fact that I'm just

457
00:20:32,400 --> 00:20:34,399
Speaker 1: so glad that people are getting their back pay, but

458
00:20:34,480 --> 00:20:39,040
Speaker 1: not contractors, which is hard, you know, but like you know,

459
00:20:39,040 --> 00:20:42,120
Speaker 1: employees are getting their back pay and so they can

460
00:20:42,160 --> 00:20:44,639
Speaker 1: help to sort of like reset. But you know, there

461
00:20:45,080 --> 00:20:47,720
Speaker 1: there is there are costs that you'll never get back,

462
00:20:47,880 --> 00:20:51,000
Speaker 1: you know, Yeah, if you're you know, if you're late,

463
00:20:51,040 --> 00:20:53,160
Speaker 1: and what if your landlord still charges a late fee,

464
00:20:53,160 --> 00:20:56,199
Speaker 1: and what if you know, like there's there's extra interest

465
00:20:56,240 --> 00:20:58,800
Speaker 1: on your credit card. So they're just you never quite

466
00:20:58,840 --> 00:21:01,439
Speaker 1: get back what you lot, but hopefully it can it

467
00:21:01,480 --> 00:21:03,360
Speaker 1: can get as close as as possible.

468
00:21:03,720 --> 00:21:05,680
Speaker 2: Yeah, and if you're if you're a government employee and

469
00:21:05,720 --> 00:21:08,080
Speaker 2: you and you're dealing with a bank situation where your

470
00:21:08,119 --> 00:21:09,399
Speaker 2: credit card payment you won't be able to make it

471
00:21:09,520 --> 00:21:11,840
Speaker 2: or something like that, just contact your bank because most

472
00:21:11,840 --> 00:21:14,960
Speaker 2: of the main issuers, the main banks out there, have

473
00:21:15,200 --> 00:21:19,320
Speaker 2: programs where they will waive interest fees or waive late

474
00:21:19,359 --> 00:21:23,720
Speaker 2: payments if you're unable to make them. Even now having

475
00:21:23,760 --> 00:21:28,119
Speaker 2: to having missed two paychecks with the shutdown, So contact

476
00:21:28,119 --> 00:21:31,520
Speaker 2: your bank and at least try and get some reprieve

477
00:21:31,840 --> 00:22:07,520
Speaker 2: until that paycheck comes. Questions, I thought you fading.

478
00:22:08,040 --> 00:22:11,040
Speaker 1: I know, you know I used to do the transitions.

479
00:22:11,040 --> 00:22:13,639
Speaker 1: But yes, coo, weest y'all especially, I know we have

480
00:22:13,680 --> 00:22:15,720
Speaker 1: some good ones. I'm glad that you guys are hitting

481
00:22:15,760 --> 00:22:17,440
Speaker 1: us back up in the inbox because we really love

482
00:22:17,440 --> 00:22:18,040
Speaker 1: your questions.

483
00:22:18,320 --> 00:22:20,239
Speaker 2: Yeah, please send us to your questions. You can hit

484
00:22:20,280 --> 00:22:24,920
Speaker 2: us up at Brandnambisson podcast dot com dot com.

485
00:22:25,119 --> 00:22:26,600
Speaker 3: Oh you waiting for dot com.

486
00:22:27,080 --> 00:22:29,960
Speaker 2: I'll edit that out so it wasn't as long. Okay,

487
00:22:30,280 --> 00:22:34,240
Speaker 2: all right, leave me hanging branimissionpodcast dot com, or send

488
00:22:34,280 --> 00:22:37,359
Speaker 2: us an email at Brandambision Podcast at gmail dot com.

489
00:22:37,400 --> 00:22:41,199
Speaker 2: You can remain anonymous. Just let us know, and we

490
00:22:41,240 --> 00:22:44,159
Speaker 2: love your questions and they they're always really interesting. And

491
00:22:44,200 --> 00:22:46,480
Speaker 2: I've got a couple of let me shake up the

492
00:22:46,520 --> 00:22:48,840
Speaker 2: reader mail bag right now or listener mail bags. So

493
00:22:48,880 --> 00:22:51,160
Speaker 2: we have one question from someone who'd like to remain

494
00:22:51,200 --> 00:22:54,600
Speaker 2: anonymous because she is a government employee who's been impacted

495
00:22:54,640 --> 00:22:58,119
Speaker 2: by the shutdown. So here's what this listener has to say.

496
00:22:58,320 --> 00:23:01,720
Speaker 2: We'll call her Alana. Alana says, I'm a federal employee

497
00:23:01,720 --> 00:23:03,879
Speaker 2: for the Department of Defense, so I'm not affected by

498
00:23:03,880 --> 00:23:07,000
Speaker 2: the shutdown personally. That she must have been considered an

499
00:23:07,119 --> 00:23:10,560
Speaker 2: essential employee and been able to get paid. However, we

500
00:23:10,600 --> 00:23:14,320
Speaker 2: are only funded through the thirtieth of September twenty nineteen.

501
00:23:14,840 --> 00:23:18,040
Speaker 2: As a pessimist, I'm already having anxiety about what happens

502
00:23:18,080 --> 00:23:21,200
Speaker 2: come the first of October. If this shit show shut down,

503
00:23:21,280 --> 00:23:24,200
Speaker 2: her words continues, and we do not have funding, I'm

504
00:23:24,200 --> 00:23:26,399
Speaker 2: definitely at pay the rent, keep the lights on, have

505
00:23:26,560 --> 00:23:30,200
Speaker 2: food and transportation type of person, so credit debt will

506
00:23:30,200 --> 00:23:33,000
Speaker 2: immediately fall to the wayside for me so that necessities

507
00:23:33,000 --> 00:23:36,399
Speaker 2: are met. My questions are what's the best way to

508
00:23:36,440 --> 00:23:38,960
Speaker 2: save more money? So I'm okay if something happens and

509
00:23:39,000 --> 00:23:42,040
Speaker 2: there's another shutdown, When should I start saving money? And

510
00:23:42,080 --> 00:23:44,720
Speaker 2: what's the best way to manage credit card debt when

511
00:23:44,720 --> 00:23:48,800
Speaker 2: you're trying to prioritize other necessary expenses if something like

512
00:23:48,800 --> 00:23:52,280
Speaker 2: a shutdown were to happen and you're suddenly not getting

513
00:23:52,280 --> 00:23:59,800
Speaker 2: a paycheck anymore. Good questions. Like, personally, I'm really I'm

514
00:23:59,800 --> 00:24:02,439
Speaker 2: not happy about the shutdown by any stretch, but I

515
00:24:02,440 --> 00:24:04,199
Speaker 2: think it's a good reminder and a good wake up

516
00:24:04,240 --> 00:24:07,760
Speaker 2: call for a lot of families that you know, unexpected,

517
00:24:08,040 --> 00:24:11,040
Speaker 2: like even your government job can be unpredictable. And for

518
00:24:11,119 --> 00:24:13,199
Speaker 2: people working in the private sector, we live with that

519
00:24:13,240 --> 00:24:15,400
Speaker 2: fear every day too. Because we were for public companies,

520
00:24:15,800 --> 00:24:17,640
Speaker 2: they could decide, oh, I don't need a content team

521
00:24:17,680 --> 00:24:20,480
Speaker 2: anymore and buy Mandy, And I need to have my

522
00:24:20,920 --> 00:24:22,359
Speaker 2: you know, I need to have my savings on the

523
00:24:22,400 --> 00:24:25,400
Speaker 2: side to cushion that blow. So it's a good reminder

524
00:24:25,640 --> 00:24:28,520
Speaker 2: that you need to have at least a couple of

525
00:24:28,560 --> 00:24:32,240
Speaker 2: months worth of emergency savings set aside, and like the

526
00:24:32,280 --> 00:24:33,560
Speaker 2: best time to start is yesterday.

527
00:24:34,160 --> 00:24:37,399
Speaker 3: Yep, pretty simplar. I agree.

528
00:24:37,440 --> 00:24:40,920
Speaker 1: Also, I would say this then, knowing what one of

529
00:24:40,920 --> 00:24:44,439
Speaker 1: the biggest mistakes I made during the two thousand and

530
00:24:44,920 --> 00:24:49,040
Speaker 1: eight two thousand and nine. The session is that I

531
00:24:49,080 --> 00:24:52,080
Speaker 1: didn't adhere to my noodle budget faster like we talked

532
00:24:52,119 --> 00:24:53,040
Speaker 1: about it, I think last week.

533
00:24:53,119 --> 00:24:54,080
Speaker 3: I don't know if we talked about it.

534
00:24:54,080 --> 00:24:57,520
Speaker 1: But anyway, your noodle budget is your ramen noodle budget,

535
00:24:57,840 --> 00:25:02,639
Speaker 1: meaning that your lowest common denominator, what's the least amount

536
00:25:02,640 --> 00:25:05,080
Speaker 1: of money you could spend to maintain your life, so

537
00:25:05,119 --> 00:25:08,040
Speaker 1: that you only do that during extreme hardship like government

538
00:25:08,080 --> 00:25:11,080
Speaker 1: shutdown historically long, you know, So it's not something that

539
00:25:11,119 --> 00:25:14,159
Speaker 1: you do regularly unless you really can't afford life. So

540
00:25:14,960 --> 00:25:16,879
Speaker 1: I wish I would have, because what I did instead

541
00:25:17,080 --> 00:25:21,240
Speaker 1: was I continued my lifestyle, and I liked. I depleted

542
00:25:21,280 --> 00:25:25,479
Speaker 1: my savings to continue my lifestyle because I just knew

543
00:25:25,840 --> 00:25:27,880
Speaker 1: relief is coming around the corner. Relief is coming around

544
00:25:27,880 --> 00:25:30,479
Speaker 1: the corner, and so in the meantime I depleted my savings,

545
00:25:30,560 --> 00:25:31,440
Speaker 1: relief didn't come.

546
00:25:31,359 --> 00:25:32,000
Speaker 3: Around the corner.

547
00:25:32,840 --> 00:25:34,920
Speaker 1: I ended up spending all this money on a house

548
00:25:34,960 --> 00:25:37,680
Speaker 1: that I ended up losing anyway, like tens of thousands

549
00:25:37,720 --> 00:25:40,960
Speaker 1: of dollars, And I could have used that money to

550
00:25:41,040 --> 00:25:44,240
Speaker 1: set myself up more solidly someplace else. So if I

551
00:25:44,359 --> 00:25:47,680
Speaker 1: was in this position now knowing that February, Like he's

552
00:25:47,720 --> 00:25:51,080
Speaker 1: given you a date, so I would not be aggressively

553
00:25:51,080 --> 00:25:54,359
Speaker 1: paying down your debt. That what's really important right now

554
00:25:54,600 --> 00:25:56,720
Speaker 1: is having access to funds, So I'd be paying the

555
00:25:56,760 --> 00:26:01,639
Speaker 1: minimum to my credit cards, savings, safe saving, activating my

556
00:26:02,200 --> 00:26:05,200
Speaker 1: relative noodle budget like you know, so meaning like let's

557
00:26:05,200 --> 00:26:08,560
Speaker 1: cut some of these things down until after February fifteenth.

558
00:26:08,600 --> 00:26:10,800
Speaker 3: Then let's just see what happens, you know, because.

559
00:26:10,560 --> 00:26:12,160
Speaker 1: I would want, I want you to have more money

560
00:26:12,200 --> 00:26:14,480
Speaker 1: on hand, so all of a sudden that does happen again,

561
00:26:15,080 --> 00:26:18,800
Speaker 1: you have a little bit more space to breathe.

562
00:26:18,880 --> 00:26:20,639
Speaker 3: You know, That's what I would do, especially since you

563
00:26:20,680 --> 00:26:21,320
Speaker 3: know you have a date.

564
00:26:23,040 --> 00:26:25,639
Speaker 2: Yeah, one hundred percent, and you don't have to you know,

565
00:26:25,680 --> 00:26:27,920
Speaker 2: you don't have to let the big goal of a

566
00:26:27,960 --> 00:26:30,600
Speaker 2: few months worth of savings frighten you and make you

567
00:26:30,600 --> 00:26:32,439
Speaker 2: feel like you will never get there. Just start saving

568
00:26:32,480 --> 00:26:35,479
Speaker 2: something now, you know, something is better than nothing. You know,

569
00:26:35,560 --> 00:26:39,480
Speaker 2: I still to this day have an auto savings amount

570
00:26:39,560 --> 00:26:43,000
Speaker 2: that automatically get sent to my savings like at a minimum,

571
00:26:43,000 --> 00:26:45,440
Speaker 2: and then sometimes I add more on top of that.

572
00:26:45,960 --> 00:26:47,560
Speaker 2: But that just you know, that whole set it and

573
00:26:47,560 --> 00:26:51,200
Speaker 2: forget it thing is really crucial for my own success.

574
00:26:51,800 --> 00:26:53,919
Speaker 2: And she also talked and Tiff, you've mentioned that before

575
00:26:54,400 --> 00:26:57,480
Speaker 2: in terms of what happens when you don't have money

576
00:26:57,480 --> 00:27:00,200
Speaker 2: in the bank and you have all these compete eating

577
00:27:00,320 --> 00:27:05,600
Speaker 2: priorities like home, food, credit card bills, maybe utilities, things

578
00:27:05,640 --> 00:27:08,680
Speaker 2: like that, and how do you sort of prioritize when

579
00:27:08,680 --> 00:27:10,760
Speaker 2: there's just not enough in the bank to cover everything

580
00:27:10,760 --> 00:27:11,320
Speaker 2: all at once.

581
00:27:12,280 --> 00:27:17,280
Speaker 1: Honestly, well, you have to prioritize like your your basic necessities, right,

582
00:27:17,320 --> 00:27:20,080
Speaker 1: so food and someplace to live. And so for me,

583
00:27:20,280 --> 00:27:22,480
Speaker 1: I moved back home, but you might not have that option.

584
00:27:23,080 --> 00:27:24,560
Speaker 1: You know, you might not have the option to move

585
00:27:24,680 --> 00:27:27,720
Speaker 1: with your cousin or friend or whatever. So making sure

586
00:27:27,760 --> 00:27:31,520
Speaker 1: that one the money that you do have, that you

587
00:27:31,600 --> 00:27:34,399
Speaker 1: put it toward what's going to maintain basic life, Like

588
00:27:34,440 --> 00:27:36,879
Speaker 1: you have to have sheltered, you have to have food,

589
00:27:37,880 --> 00:27:39,840
Speaker 1: and you have to have like some sort of way

590
00:27:39,840 --> 00:27:40,360
Speaker 1: to get to work.

591
00:27:40,400 --> 00:27:43,080
Speaker 3: So maybe it's you know, I'm gonna be able.

592
00:27:42,960 --> 00:27:45,040
Speaker 1: To take the train to work, But so it might

593
00:27:45,119 --> 00:27:48,520
Speaker 1: mean credit cards don't get paid, it might mean Verizon

594
00:27:48,560 --> 00:27:51,160
Speaker 1: doesn't get paid. And I had to make that decision

595
00:27:51,400 --> 00:27:52,800
Speaker 1: that you guys are not gonna It was like the

596
00:27:52,840 --> 00:27:56,480
Speaker 1: hardest things I'd never not paid. I didn't have it,

597
00:27:56,520 --> 00:27:57,920
Speaker 1: so I was like, you're just not gonna get paid.

598
00:27:57,960 --> 00:28:01,359
Speaker 1: I have to pay the thing that like that sustained

599
00:28:01,640 --> 00:28:04,359
Speaker 1: basic life so I can live healthy. I have enough

600
00:28:04,359 --> 00:28:06,560
Speaker 1: food to you have a safe place to stay. And

601
00:28:06,600 --> 00:28:08,760
Speaker 1: then as I got myself on my feet, I went

602
00:28:08,840 --> 00:28:13,280
Speaker 1: back to like negotiate new terms to settle some things.

603
00:28:13,280 --> 00:28:16,680
Speaker 1: I mean, my credit score before the recession was eight

604
00:28:16,680 --> 00:28:19,000
Speaker 1: oh two, and then after it was all said and done,

605
00:28:19,040 --> 00:28:21,399
Speaker 1: I went down to a five forty seven, and I

606
00:28:21,440 --> 00:28:23,080
Speaker 1: was like, oh my gosh. So it took two years

607
00:28:23,080 --> 00:28:25,919
Speaker 1: to rebuild it back up to like a seven seven fifty. Now,

608
00:28:25,960 --> 00:28:28,600
Speaker 1: normally you don't it doesn't take as long, but I

609
00:28:28,640 --> 00:28:31,320
Speaker 1: had so many things it took two years. Because your

610
00:28:31,320 --> 00:28:34,080
Speaker 1: credit score is really an average of your choices. So

611
00:28:34,119 --> 00:28:37,080
Speaker 1: I had a lot of bad grades on my credit report,

612
00:28:37,119 --> 00:28:38,960
Speaker 1: and so it took a long time to build myself

613
00:28:39,040 --> 00:28:42,240
Speaker 1: back up. And now despite having a foreclosure and late

614
00:28:42,280 --> 00:28:44,320
Speaker 1: payments in the past, I'm back in the eight hundreds.

615
00:28:44,400 --> 00:28:46,560
Speaker 1: So I just say all that to say that sometimes

616
00:28:46,600 --> 00:28:48,280
Speaker 1: you have to make a decision of who is not

617
00:28:48,280 --> 00:28:50,600
Speaker 1: going to get any money. And one of the things

618
00:28:50,600 --> 00:28:52,760
Speaker 1: I did so I decided that my mortgage wasn't going

619
00:28:52,840 --> 00:28:54,280
Speaker 1: to get paid because I just didn't have it.

620
00:28:54,920 --> 00:28:56,800
Speaker 3: But I had enough for the rest of my bills.

621
00:28:56,960 --> 00:28:58,800
Speaker 1: I was on unemployment, so I said, okay, so, if

622
00:28:58,840 --> 00:29:01,400
Speaker 1: you're getting about two thousand a month, your mortgage is

623
00:29:01,440 --> 00:29:03,920
Speaker 1: sixteen hundred. The rest of your bills it's about sixteen

624
00:29:04,000 --> 00:29:06,240
Speaker 1: seventeen hundred. You're getting two thousand.

625
00:29:06,720 --> 00:29:07,880
Speaker 3: So guess what.

626
00:29:08,120 --> 00:29:10,440
Speaker 1: I'm not gonna pay my mortgage. I'll pay the minimum

627
00:29:10,520 --> 00:29:12,400
Speaker 1: to the rest of my bills. I'm gonna tell student

628
00:29:12,440 --> 00:29:14,480
Speaker 1: loans to kick rocks for a moment and put you

629
00:29:14,520 --> 00:29:17,960
Speaker 1: on the deferment. And this is how I'm going to

630
00:29:18,520 --> 00:29:21,080
Speaker 1: live until I get on my feet. And so, but

631
00:29:21,120 --> 00:29:23,120
Speaker 1: the mortgage company was brutal. They used to call me

632
00:29:23,160 --> 00:29:25,360
Speaker 1: every day, and it was so stressful until I found

633
00:29:25,400 --> 00:29:28,560
Speaker 1: a cease and assist letter. I straight googled it. I

634
00:29:28,600 --> 00:29:31,760
Speaker 1: went to the local staples and faxed them police. You're

635
00:29:31,800 --> 00:29:33,440
Speaker 1: no longer allowed to call me, and literally is just

636
00:29:33,560 --> 00:29:35,880
Speaker 1: a Google search for that that you can contact me

637
00:29:35,960 --> 00:29:38,719
Speaker 1: via email and be a letter because at least, you know,

638
00:29:38,760 --> 00:29:42,160
Speaker 1: you can kind of stop the constant pressing of like

639
00:29:42,160 --> 00:29:43,840
Speaker 1: I know I owe you, but to call me every

640
00:29:43,920 --> 00:29:46,280
Speaker 1: day it's too much, and so you're able to do

641
00:29:46,360 --> 00:29:48,560
Speaker 1: that as well. Just because you owe someone doesn't mean

642
00:29:48,640 --> 00:29:51,120
Speaker 1: they have the right to harass you, you know. I mean,

643
00:29:51,160 --> 00:29:53,520
Speaker 1: you're you know, but obviously you're you're wanting to pay,

644
00:29:53,560 --> 00:29:56,000
Speaker 1: you just don't have it. And so, like I said,

645
00:29:56,040 --> 00:29:59,160
Speaker 1: eventually you know, they stop because by law they have to.

646
00:29:59,520 --> 00:30:02,840
Speaker 1: If you said to cease and desist letter and then eventually,

647
00:30:02,880 --> 00:30:04,880
Speaker 1: you know, I work why it wasn't even able to

648
00:30:04,880 --> 00:30:05,400
Speaker 1: work something out.

649
00:30:05,440 --> 00:30:06,240
Speaker 3: They just took the house.

650
00:30:08,440 --> 00:30:10,960
Speaker 2: Yeah, so I think it's I mean, it's there's so

651
00:30:11,040 --> 00:30:13,920
Speaker 2: many ways to answer that question, and like how you prioritize,

652
00:30:13,920 --> 00:30:16,480
Speaker 2: but sometimes things have to fall to the wayside and

653
00:30:16,520 --> 00:30:20,640
Speaker 2: you just have to be prepared for the repercussions when

654
00:30:20,680 --> 00:30:24,240
Speaker 2: they do, until you're able to get back on track. Yeah,

655
00:30:24,680 --> 00:30:28,280
Speaker 2: but that emergency fund will save you a million times,

656
00:30:28,400 --> 00:30:29,960
Speaker 2: I mean, if as long as you replenish it, but

657
00:30:30,040 --> 00:30:32,760
Speaker 2: keep you know, make that a priority starting now. Like

658
00:30:32,800 --> 00:30:35,440
Speaker 2: you said, you have as a as a DoD employees

659
00:30:35,480 --> 00:30:38,040
Speaker 2: that you have until the end of September before the

660
00:30:38,120 --> 00:30:41,280
Speaker 2: chance of a shutdown for you guys comes up again.

661
00:30:41,360 --> 00:30:43,600
Speaker 2: So make that your mission for the next However, many

662
00:30:43,680 --> 00:30:47,480
Speaker 2: what is that eight months to really shore up those

663
00:30:48,160 --> 00:30:50,360
Speaker 2: those defenses of your own because that's like I mean,

664
00:30:50,400 --> 00:30:52,920
Speaker 2: I call it my freedom fund because you're free. You're

665
00:30:52,960 --> 00:30:55,160
Speaker 2: free to make choices, You're free to do what you

666
00:30:55,200 --> 00:30:58,280
Speaker 2: want to do when you're not tied to that bi

667
00:30:58,280 --> 00:30:59,120
Speaker 2: weekly paycheck.

668
00:31:01,440 --> 00:31:01,960
Speaker 3: I love that.

669
00:31:03,000 --> 00:31:04,200
Speaker 2: Thanks for your question, Alana.

670
00:31:04,840 --> 00:31:07,800
Speaker 3: Mm hmm. Next question, let's.

671
00:31:07,600 --> 00:31:11,120
Speaker 2: See, Okay, we'll call this listener Susan. Susan has a

672
00:31:11,200 --> 00:31:15,000
Speaker 2: question about her scholarship money that she's getting for college.

673
00:31:15,480 --> 00:31:17,800
Speaker 2: She says, I've been listening since I've listened to the

674
00:31:17,800 --> 00:31:20,440
Speaker 2: podcast since my freshman year of college, and I'm in

675
00:31:20,480 --> 00:31:23,120
Speaker 2: a far better financial standing because of your knowledge. Meh,

676
00:31:23,120 --> 00:31:25,880
Speaker 2: thank you. I'm now a junior and have been filing

677
00:31:25,920 --> 00:31:28,720
Speaker 2: my taxes is twenty sixteen because I work. While I

678
00:31:28,720 --> 00:31:31,680
Speaker 2: have a scholarship for my university. I also have outside

679
00:31:31,680 --> 00:31:33,840
Speaker 2: scholarships to help me with room and board cost as

680
00:31:33,840 --> 00:31:36,480
Speaker 2: well as books. Are these things I should be listening

681
00:31:36,520 --> 00:31:38,960
Speaker 2: on my taxes? If so, how can I go back

682
00:31:39,000 --> 00:31:41,800
Speaker 2: and file for those in previous years? I never received

683
00:31:41,800 --> 00:31:45,320
Speaker 2: tax documents from these organizations just to checks themselves, so

684
00:31:45,360 --> 00:31:48,440
Speaker 2: I'm not sure what I should file. Any advice you have.

685
00:31:48,720 --> 00:31:52,240
Speaker 2: Can any advice you can provide will be much appreciated,

686
00:31:52,400 --> 00:31:58,200
Speaker 2: Susan good question. Yes, that's a question that has you know,

687
00:31:58,240 --> 00:32:00,680
Speaker 2: it really depends on what you're going to be using

688
00:32:00,680 --> 00:32:03,080
Speaker 2: the scholarship money for. And as so long as you're

689
00:32:03,120 --> 00:32:07,040
Speaker 2: getting these scholarships and you're using the money for edub god,

690
00:32:07,080 --> 00:32:12,240
Speaker 2: I can't use English words today. Eligible education expenses like

691
00:32:12,240 --> 00:32:15,560
Speaker 2: you said, you're using room and board and books, they

692
00:32:15,560 --> 00:32:19,080
Speaker 2: shouldn't be taxable. They should be non taxable. If you're worried,

693
00:32:19,160 --> 00:32:21,320
Speaker 2: you can always reach out to a tax preparer to

694
00:32:21,360 --> 00:32:24,400
Speaker 2: get their opinion. In my opinion, if you haven't gotten

695
00:32:24,480 --> 00:32:27,080
Speaker 2: any sort of tax form from those organizations, it probably

696
00:32:27,120 --> 00:32:29,640
Speaker 2: is a good indication that there's nothing for you to

697
00:32:29,640 --> 00:32:34,680
Speaker 2: worry about. And certainly, like in school tuition scholarships, those

698
00:32:34,680 --> 00:32:38,000
Speaker 2: are non taxable. You don't have to worry. The only

699
00:32:38,000 --> 00:32:39,800
Speaker 2: time you have to worry when it comes to like

700
00:32:40,320 --> 00:32:46,640
Speaker 2: college funds that can be taxable is let's say you

701
00:32:46,840 --> 00:32:50,640
Speaker 2: have student loan debt forgiven. Then in some cases that

702
00:32:50,720 --> 00:32:53,440
Speaker 2: can be they can consider the amount that was forgiven

703
00:32:53,480 --> 00:32:55,280
Speaker 2: as income and then you can get taxed on that.

704
00:32:55,400 --> 00:32:58,720
Speaker 2: But that doesn't sound like what you're dealing with now,

705
00:32:58,760 --> 00:33:01,360
Speaker 2: and I don't know if to add Tiffany, but I can.

706
00:33:01,640 --> 00:33:03,240
Speaker 2: I'll share a link to a story we have on

707
00:33:03,280 --> 00:33:06,440
Speaker 2: student loan hero dot com, which is really solid and

708
00:33:06,480 --> 00:33:09,560
Speaker 2: has more details on sort of how the I r

709
00:33:09,680 --> 00:33:11,000
Speaker 2: S looks at scholarships.

710
00:33:12,520 --> 00:33:14,600
Speaker 1: No, honestly, that's not my forte. I was gonna say,

711
00:33:14,600 --> 00:33:17,240
Speaker 1: I never heard of them. That that would be crazy,

712
00:33:18,720 --> 00:33:21,320
Speaker 1: So I'm gonna file your lead on that one. But yeah,

713
00:33:21,360 --> 00:33:23,280
Speaker 1: that would be creazy. That's because I've known people who've

714
00:33:23,280 --> 00:33:25,840
Speaker 1: gotten like hundreds of thousands of dollars in scholarships.

715
00:33:25,880 --> 00:33:26,640
Speaker 3: Definitely forgiveness.

716
00:33:26,680 --> 00:33:28,840
Speaker 1: I knew that, but like, that would be crazy if

717
00:33:28,840 --> 00:33:31,880
Speaker 1: the government was like remember the year when they made.

718
00:33:31,720 --> 00:33:35,320
Speaker 3: Swag for celebrities tax taxable like income.

719
00:33:35,400 --> 00:33:39,400
Speaker 2: Oh yeah, that was like wow, fair enough, Okay, fair enough.

720
00:33:40,080 --> 00:33:41,720
Speaker 1: So I was like, you know, I mean, but I mean,

721
00:33:41,920 --> 00:33:43,520
Speaker 1: that would be crazy. But let's just say I would

722
00:33:43,560 --> 00:33:45,440
Speaker 1: never put it past them, So you know, we'll see.

723
00:33:45,760 --> 00:33:48,800
Speaker 2: One thing that happened to me real quick in school

724
00:33:48,880 --> 00:33:50,880
Speaker 2: is I did win an award like a journalist, a

725
00:33:50,880 --> 00:33:54,000
Speaker 2: student journalism award that came with some money, and I

726
00:33:54,040 --> 00:33:58,400
Speaker 2: got a tax form to account for that award. On

727
00:33:58,520 --> 00:34:01,640
Speaker 2: my taxes, which was fair because I didn't. It wasn't

728
00:34:01,680 --> 00:34:03,520
Speaker 2: money that I was supposed to use or went directly

729
00:34:03,560 --> 00:34:05,200
Speaker 2: to my school. I think I used it on like

730
00:34:05,240 --> 00:34:06,600
Speaker 2: a vacation or something.

731
00:34:07,720 --> 00:34:08,839
Speaker 1: So mm hmm.

732
00:34:10,239 --> 00:34:12,200
Speaker 2: But on the on the bright side, if you're in college,

733
00:34:12,400 --> 00:34:14,440
Speaker 2: you should still be filing your taxes even if you

734
00:34:14,440 --> 00:34:16,799
Speaker 2: don't think that you're gonna get a refund, because I

735
00:34:16,840 --> 00:34:18,680
Speaker 2: made that mistake when I was in school. I never

736
00:34:18,719 --> 00:34:20,480
Speaker 2: filed my taxes because I was like, well, I'm not

737
00:34:20,480 --> 00:34:23,480
Speaker 2: even earning that much money. There's no way that you

738
00:34:23,480 --> 00:34:25,360
Speaker 2: know I'm going to get a refund back. But I

739
00:34:25,360 --> 00:34:27,400
Speaker 2: should have been filing at the very least, because I

740
00:34:27,440 --> 00:34:30,280
Speaker 2: could have gotten back the tax I was paying taxes

741
00:34:30,320 --> 00:34:33,160
Speaker 2: out on my paycheck, So the federal tax dollars that

742
00:34:33,200 --> 00:34:36,960
Speaker 2: you're you're paying with your paycheck, they could that could

743
00:34:37,040 --> 00:34:39,759
Speaker 2: end up being a refund back to you. If if

744
00:34:39,840 --> 00:34:41,719
Speaker 2: it's true like I was, you know, not getting paid

745
00:34:41,760 --> 00:34:45,200
Speaker 2: enough to really earn to to be tax at all.

746
00:34:46,120 --> 00:34:48,080
Speaker 2: So I missed out on some tax refund money.

747
00:34:48,880 --> 00:34:50,680
Speaker 3: Ah, and you probably needed it the most back then.

748
00:34:51,000 --> 00:34:52,920
Speaker 2: I sure did, But let's not talking about my I

749
00:34:53,480 --> 00:34:55,200
Speaker 2: went back and looked at like how much I earned

750
00:34:55,200 --> 00:34:58,120
Speaker 2: and in high school and in college or working part time,

751
00:34:58,160 --> 00:35:00,080
Speaker 2: and I'm like, where did that money go though? Like

752
00:35:00,560 --> 00:35:02,839
Speaker 2: it was fifteen thousand dollars or something like that.

753
00:35:02,880 --> 00:35:06,200
Speaker 3: Crazy, I think, what do I have a new life

754
00:35:06,239 --> 00:35:06,880
Speaker 3: to show for it?

755
00:35:06,880 --> 00:35:08,680
Speaker 1: Don't you just think back and you're like, uh, I

756
00:35:08,680 --> 00:35:11,200
Speaker 1: can just only imagine how many thousands and thousands of

757
00:35:11,239 --> 00:35:16,320
Speaker 1: dollars like that, like Wendy's and McDonald's and Joyce Leslie.

758
00:35:16,400 --> 00:35:19,000
Speaker 3: Nagles out of my my little fingers, they.

759
00:35:18,880 --> 00:35:20,600
Speaker 2: Have Zaxby's up here, yet I don't think they do.

760
00:35:21,239 --> 00:35:22,719
Speaker 3: No, I never heard of that. Is that like a

761
00:35:22,800 --> 00:35:23,520
Speaker 3: Joyce Leslie.

762
00:35:23,960 --> 00:35:26,680
Speaker 2: I don't know what that is, but that's like the

763
00:35:26,760 --> 00:35:29,160
Speaker 2: cheapy like it's like Joyce Leslie.

764
00:35:29,239 --> 00:35:31,640
Speaker 3: What, Yeah, I know it's a it's a cheapy like

765
00:35:31,719 --> 00:35:32,440
Speaker 3: clothing store.

766
00:35:32,880 --> 00:35:35,320
Speaker 2: Oh No, Zaxby's is the fried chicken spot that we

767
00:35:35,320 --> 00:35:36,560
Speaker 2: would hit up after school.

768
00:35:37,000 --> 00:35:39,680
Speaker 3: Mmmm that you just called back the chicken the chicken

769
00:35:39,719 --> 00:35:40,359
Speaker 3: shack up here?

770
00:35:40,760 --> 00:35:44,520
Speaker 2: Yeah? Well, thank y'all for your questions again. Hit us

771
00:35:44,600 --> 00:35:47,840
Speaker 2: up at Brannabission Podcast at gmail dot com with your questions.

772
00:36:01,080 --> 00:36:04,719
Speaker 1: It's time for boost a boost and every boost in

773
00:36:04,719 --> 00:36:06,400
Speaker 1: a break.

774
00:36:07,160 --> 00:36:08,080
Speaker 3: I've been the boosts.

775
00:36:08,160 --> 00:36:10,439
Speaker 2: What about you, Managra, I'm gonna do a boost too

776
00:36:11,120 --> 00:36:12,240
Speaker 2: quick boost.

777
00:36:12,719 --> 00:36:13,640
Speaker 3: Do you want to go first?

778
00:36:13,880 --> 00:36:15,880
Speaker 2: Let me go first. Mine's really quick. I want to

779
00:36:15,880 --> 00:36:19,040
Speaker 2: do a quick boost to the classic film, uh, nine

780
00:36:19,040 --> 00:36:22,760
Speaker 2: to five, which I know Tiff always teaches me about

781
00:36:22,800 --> 00:36:26,640
Speaker 2: not being up on my historical pop culture knowledge from

782
00:36:26,640 --> 00:36:30,080
Speaker 2: the eighties, but I must say, I I've loved like

783
00:36:30,400 --> 00:36:33,160
Speaker 2: Grace and Frankie so much. Like I didn't know a

784
00:36:33,239 --> 00:36:36,799
Speaker 2: show about two old ladies left by their husbands who

785
00:36:37,320 --> 00:36:39,520
Speaker 2: found out that they were gay and you know, in

786
00:36:39,560 --> 00:36:41,959
Speaker 2: a relationship together for decades. I didn't know it would

787
00:36:41,960 --> 00:36:44,560
Speaker 2: be so good, but I love the show is so funny,

788
00:36:44,640 --> 00:36:48,440
Speaker 2: and like Lily Tomlin, who plays Frankie was Miss Frizzle,

789
00:36:48,680 --> 00:36:51,080
Speaker 2: who I didn't make that connection until I started googling

790
00:36:51,120 --> 00:36:52,879
Speaker 2: her after Grace and Frankie, and I was like, Miss

791
00:36:52,960 --> 00:36:54,720
Speaker 2: Frizzles has a loop company.

792
00:36:54,719 --> 00:36:55,360
Speaker 3: It's amazing.

793
00:36:55,840 --> 00:36:58,680
Speaker 2: And Miss Frizzle like makes old people vibrators is awesome.

794
00:36:59,239 --> 00:37:02,080
Speaker 2: So I decided to go back and watch like their

795
00:37:02,160 --> 00:37:04,560
Speaker 2: very first film they did together, which was nine to five,

796
00:37:04,680 --> 00:37:07,920
Speaker 2: which you know, with Dolly Parton, Jane Fonda, Lily Tomlin.

797
00:37:08,239 --> 00:37:11,640
Speaker 2: It's about three like middle aged women who are basically

798
00:37:11,680 --> 00:37:16,080
Speaker 2: office secretaries. And I got to say it, it's sad

799
00:37:16,200 --> 00:37:19,600
Speaker 2: but true and kind of awesome, but mostly sad that

800
00:37:19,680 --> 00:37:23,279
Speaker 2: the movie is still so damn relevant, Like, I mean,

801
00:37:23,320 --> 00:37:26,160
Speaker 2: this guy could have been named Harvey, essentially their boss

802
00:37:26,160 --> 00:37:27,600
Speaker 2: in the in the movie. I mean, it's really funny

803
00:37:27,600 --> 00:37:30,239
Speaker 2: and fantastical, but shout out to them for making that

804
00:37:30,280 --> 00:37:33,600
Speaker 2: movie in the in the early eighties. I don't think

805
00:37:33,640 --> 00:37:35,480
Speaker 2: there's anything like that even now.

806
00:37:35,600 --> 00:37:39,480
Speaker 3: So it was dope. And I is that all the

807
00:37:39,520 --> 00:37:46,080
Speaker 3: song working now? Too bad? Yeah?

808
00:37:46,160 --> 00:37:50,200
Speaker 2: Yeah, Dolly, I'll learn the words eventually. But you can

809
00:37:50,239 --> 00:37:52,640
Speaker 2: watch that yourself on Hulu if you have Hulu. That's

810
00:37:52,640 --> 00:37:54,120
Speaker 2: where I found it. Good stuff.

811
00:37:54,719 --> 00:37:56,400
Speaker 3: Yeah, I'm like Dolly Parton.

812
00:37:57,120 --> 00:37:59,960
Speaker 1: There's actually a really good movie on Netflix which called

813
00:38:00,440 --> 00:38:01,560
Speaker 1: where It's like The good Man.

814
00:38:02,440 --> 00:38:06,120
Speaker 3: Wasn't it so good? It was? It was? I really

815
00:38:06,160 --> 00:38:06,640
Speaker 3: liked it. It was.

816
00:38:06,760 --> 00:38:08,240
Speaker 1: It was one of those I can't go to sleep,

817
00:38:08,280 --> 00:38:10,600
Speaker 1: so I want like something really sweet to wear before

818
00:38:10,640 --> 00:38:12,600
Speaker 1: I go to sleep, so I'm sleep to watch and

819
00:38:12,640 --> 00:38:13,279
Speaker 1: so it was so good.

820
00:38:13,280 --> 00:38:15,520
Speaker 3: If you haven't watch Dumpling on Netflix, you're missing out

821
00:38:15,680 --> 00:38:19,480
Speaker 3: big beautiful Yes, let's say yes.

822
00:38:19,880 --> 00:38:23,640
Speaker 1: All right, So my boost actually is posted on our

823
00:38:23,680 --> 00:38:28,840
Speaker 1: IG page. If you're not familiar, Get Familiar Brown Ambition podcasts,

824
00:38:28,920 --> 00:38:29,839
Speaker 1: you can find us on IG.

825
00:38:30,960 --> 00:38:32,080
Speaker 3: So let's see.

826
00:38:32,120 --> 00:38:36,640
Speaker 1: So there's an article by the Washington Post the Secret

827
00:38:36,760 --> 00:38:41,360
Speaker 1: success for Women. A new study advises that don't network

828
00:38:41,400 --> 00:38:43,719
Speaker 1: like a man. So in the study, they found that

829
00:38:43,840 --> 00:38:48,320
Speaker 1: seventy seven percent of the highest achieving women had strong

830
00:38:48,440 --> 00:38:51,520
Speaker 1: ties with an inner circle of two to three other women.

831
00:38:51,960 --> 00:38:55,080
Speaker 1: The lowest achieving women had a male dominant network and

832
00:38:55,160 --> 00:38:58,080
Speaker 1: weaker ties with other women in their network. So you

833
00:38:58,120 --> 00:39:02,879
Speaker 1: know what that means. It means a girl power is everything.

834
00:39:03,800 --> 00:39:05,200
Speaker 1: And so I can attest to that, like, you know,

835
00:39:05,280 --> 00:39:11,640
Speaker 1: like my closest network really is women and we lean on.

836
00:39:11,600 --> 00:39:14,080
Speaker 3: Each other and you know, we we help each other out.

837
00:39:14,120 --> 00:39:16,959
Speaker 1: And so no, I think that that's just awesome because

838
00:39:16,960 --> 00:39:18,960
Speaker 1: you know, like they would have you believe that in

839
00:39:19,040 --> 00:39:20,919
Speaker 1: order to get ahead you have to kind of like think,

840
00:39:21,000 --> 00:39:25,640
Speaker 1: maneuver and connect yourself with men more so than women.

841
00:39:25,760 --> 00:39:28,640
Speaker 3: So it's nice to know that that's not true.

842
00:39:28,800 --> 00:39:30,520
Speaker 2: Yeah, one hundred percent. I think we talked about that

843
00:39:30,560 --> 00:39:34,279
Speaker 2: a lot, but I feel like, yeah, I mean, there

844
00:39:34,360 --> 00:39:36,680
Speaker 2: is the assumption that to get ahead you have to

845
00:39:36,680 --> 00:39:38,600
Speaker 2: be a certain way. But I just I found this

846
00:39:38,719 --> 00:39:42,239
Speaker 2: so motivating because it's what I've been, It's what I've

847
00:39:42,280 --> 00:39:45,000
Speaker 2: just naturally always done, which is gravitate toward a small

848
00:39:45,040 --> 00:39:49,839
Speaker 2: circle of women, professional women, you know, personal relationships with women.

849
00:39:49,920 --> 00:39:51,799
Speaker 2: I just always have been more inclined to have a

850
00:39:51,800 --> 00:39:55,400
Speaker 2: few really good relationships versus having a million associates and

851
00:39:55,480 --> 00:39:57,480
Speaker 2: like getting coffee with people every day and that kind

852
00:39:57,480 --> 00:40:00,360
Speaker 2: of thing. And it was just really me. It just

853
00:40:00,400 --> 00:40:02,480
Speaker 2: be like, Okay, I'm doing okay. And I think one

854
00:40:02,480 --> 00:40:05,520
Speaker 2: of the reasons is that the quality of my relationship

855
00:40:05,640 --> 00:40:09,399
Speaker 2: relationships with women in my circles is so strong. And

856
00:40:09,800 --> 00:40:12,479
Speaker 2: you don't know where the people you know you're hanging

857
00:40:12,520 --> 00:40:14,920
Speaker 2: out within college you're going to end up. So to

858
00:40:15,080 --> 00:40:18,120
Speaker 2: really invest in those relationships early, it's like a form

859
00:40:18,160 --> 00:40:20,680
Speaker 2: of investing, you know, I will say, like an investment

860
00:40:21,520 --> 00:40:24,759
Speaker 2: because as they rise, hopefully if you have good relationships,

861
00:40:24,800 --> 00:40:27,960
Speaker 2: they will want to rise help you rise too, or

862
00:40:28,120 --> 00:40:30,319
Speaker 2: in turn, like you can be the one helping them,

863
00:40:30,440 --> 00:40:32,319
Speaker 2: and then that may pay dividends. You know, I don't

864
00:40:32,320 --> 00:40:33,960
Speaker 2: know where I'll be a decade from now. Maybe I'll

865
00:40:34,000 --> 00:40:35,840
Speaker 2: be out of a job and then I'm like, hey, Tiffany, like,

866
00:40:35,880 --> 00:40:37,839
Speaker 2: I need, you know, can I be the you know,

867
00:40:38,080 --> 00:40:41,800
Speaker 2: the whatever at the budget needs to ink and hopefully

868
00:40:41,880 --> 00:40:44,160
Speaker 2: she give me a job. But that those types of

869
00:40:44,160 --> 00:40:47,560
Speaker 2: relationships means so so much. You were very quiet when

870
00:40:47,600 --> 00:40:50,080
Speaker 2: I said I'm very qualified.

871
00:40:50,640 --> 00:40:52,680
Speaker 3: I'm going to review your resume because you know I'm not.

872
00:40:52,760 --> 00:40:54,839
Speaker 3: Really you were too quiet.

873
00:40:56,080 --> 00:40:56,800
Speaker 2: Still his wedding.

874
00:40:57,160 --> 00:40:58,239
Speaker 3: Yeah, honestly, I was looking.

875
00:40:58,239 --> 00:40:59,520
Speaker 1: I was like, oh, I was looking at all the

876
00:40:59,560 --> 00:41:02,319
Speaker 1: awesome responses under the picture. Honestly, I really love when

877
00:41:02,360 --> 00:41:05,160
Speaker 1: you guys hit us up on social and so, yeah,

878
00:41:05,200 --> 00:41:08,279
Speaker 1: our Instagram is brown and yeah Brown Ambition Podcast. So

879
00:41:08,640 --> 00:41:10,759
Speaker 1: please continue that. We love when you hit us up

880
00:41:10,800 --> 00:41:13,160
Speaker 1: there because it just makes us realize that, you know,

881
00:41:13,239 --> 00:41:16,400
Speaker 1: there's a community out there. Sometimes, you know, most times, honestly,

882
00:41:16,480 --> 00:41:18,319
Speaker 1: it's just me and Mandy talking. Sometimes we have to

883
00:41:18,320 --> 00:41:21,120
Speaker 1: forget and we're like, wait, we should start recording, you know,

884
00:41:22,280 --> 00:41:23,960
Speaker 1: because you know, we were friends in real life, and

885
00:41:24,000 --> 00:41:27,000
Speaker 1: so it's just nice to know that we have other friends.

886
00:41:27,000 --> 00:41:28,640
Speaker 1: I can't I didn't even tell you, Mandy. Like the

887
00:41:28,680 --> 00:41:30,680
Speaker 1: other day, I was, I met with dream Catchers in

888
00:41:30,680 --> 00:41:33,120
Speaker 1: New York to just go hang out. And a friend

889
00:41:33,120 --> 00:41:37,839
Speaker 1: of mine has a a a business, a juice kind

890
00:41:37,880 --> 00:41:40,560
Speaker 1: of like I guess a juice restaurant, juicing restaurant, healthy restaurants,

891
00:41:40,640 --> 00:41:44,120
Speaker 1: Moodie restaurant. And so one friend gave me this idea

892
00:41:44,160 --> 00:41:46,640
Speaker 1: that you make a run on black businesses, so you

893
00:41:46,760 --> 00:41:49,000
Speaker 1: basically call all of your friends and say, hey, we're

894
00:41:49,000 --> 00:41:51,319
Speaker 1: going to support this business today. So we did that

895
00:41:51,360 --> 00:41:52,840
Speaker 1: with the Dream Catches in New York. It was like

896
00:41:52,880 --> 00:41:56,359
Speaker 1: fifty women came to this juice bar and.

897
00:41:56,200 --> 00:41:58,760
Speaker 3: We all ordered like you know, juice or salad or whatever.

898
00:41:58,800 --> 00:42:01,719
Speaker 1: It just gave her a lot of business exposure and

899
00:42:01,760 --> 00:42:02,839
Speaker 1: then we just got to hang out.

900
00:42:02,880 --> 00:42:05,280
Speaker 3: And so one of the women was like, I'm gonna give.

901
00:42:05,120 --> 00:42:05,640
Speaker 1: You a hug.

902
00:42:05,840 --> 00:42:08,239
Speaker 3: This is for Mandy. I know you don't hug, but

903
00:42:08,480 --> 00:42:10,239
Speaker 3: Mandy dads and I just thought like, oh, I just

904
00:42:10,440 --> 00:42:10,719
Speaker 3: love it.

905
00:42:11,239 --> 00:42:15,560
Speaker 2: I know that that's how they get you.

906
00:42:16,400 --> 00:42:19,000
Speaker 1: So like, I just love that you guys do that that,

907
00:42:19,120 --> 00:42:21,120
Speaker 1: Like when you see me out that you're like tell Manby,

908
00:42:21,120 --> 00:42:23,799
Speaker 1: I said, Hi, give me Mandy hug. Sorry, girl, you

909
00:42:23,800 --> 00:42:25,759
Speaker 1: just gonna have to pass it on through. So it

910
00:42:25,840 --> 00:42:27,359
Speaker 1: just makes me feel really good to know that we've

911
00:42:27,360 --> 00:42:30,280
Speaker 1: got this dope listenership that you guys have been writing

912
00:42:30,400 --> 00:42:32,120
Speaker 1: with us for like over three years now.

913
00:42:32,080 --> 00:42:33,760
Speaker 2: Right, Yeah, it's kind of crazy.

914
00:42:34,000 --> 00:42:36,440
Speaker 1: I know, like literally, I remember when we went on

915
00:42:36,520 --> 00:42:39,560
Speaker 1: our first little you know, rendezvous walk in New New

916
00:42:39,640 --> 00:42:41,239
Speaker 1: Orleans and getting.

917
00:42:40,920 --> 00:42:42,400
Speaker 3: To know each other like hey, hey, how you do?

918
00:42:42,520 --> 00:42:44,440
Speaker 3: Not good? And then next thing, you know, we have

919
00:42:44,480 --> 00:42:45,560
Speaker 3: a podcasts.

920
00:42:46,239 --> 00:42:49,840
Speaker 2: Just two women making something happen. I know. Let me,

921
00:42:50,440 --> 00:42:52,560
Speaker 2: let's read some of the comments from our listeners, like

922
00:42:52,600 --> 00:42:52,920
Speaker 2: on the.

923
00:42:52,880 --> 00:42:54,880
Speaker 3: Post, Yeah, let's to do that. My bad, I was

924
00:42:54,920 --> 00:42:55,600
Speaker 3: supposed to do that.

925
00:42:56,480 --> 00:42:58,160
Speaker 2: I'm just help. I'm just helping you.

926
00:42:58,640 --> 00:43:02,000
Speaker 3: Back to mother, all right.

927
00:43:02,120 --> 00:43:08,680
Speaker 1: So, Tatuiana neck One says, Lately, everything I do goes

928
00:43:09,320 --> 00:43:12,359
Speaker 1: to tell me how important my circle is. I've gone

929
00:43:12,360 --> 00:43:14,520
Speaker 1: through so many years either with no circle or the

930
00:43:14,560 --> 00:43:17,440
Speaker 1: wrong circle. I'm working on myself and my new circle

931
00:43:17,440 --> 00:43:20,279
Speaker 1: of friends and business associates. I want my network to

932
00:43:20,320 --> 00:43:23,800
Speaker 1: be beneficial and prosperous for each of us in the circle.

933
00:43:24,280 --> 00:43:27,279
Speaker 1: Thank you for this information. It definitely explains a lot.

934
00:43:27,320 --> 00:43:30,399
Speaker 1: Oh that's awesome, Tatiana. So yeah, I mean you guys,

935
00:43:30,480 --> 00:43:32,799
Speaker 1: that's really awesome comments you attacking your friends in this

936
00:43:32,880 --> 00:43:35,360
Speaker 1: saying that I feel like you do this already. I

937
00:43:35,360 --> 00:43:38,080
Speaker 1: see this old just flashes like I love this. That's

938
00:43:38,120 --> 00:43:41,040
Speaker 1: how we will make it all happen. So yeah, it's

939
00:43:41,120 --> 00:43:45,600
Speaker 1: just been Yeah, it's just I just love the response

940
00:43:45,680 --> 00:43:49,200
Speaker 1: to this post, and just keeping in mind that you don't.

941
00:43:48,960 --> 00:43:51,840
Speaker 3: Have to be less woman in order to be successful.

942
00:43:51,840 --> 00:43:54,200
Speaker 1: As a matter of fact, the more woman you are,

943
00:43:54,760 --> 00:43:58,480
Speaker 1: meaning like standing in how you show up, the more

944
00:43:58,520 --> 00:43:59,680
Speaker 1: successful you're likely to be.

945
00:44:00,040 --> 00:44:02,719
Speaker 2: Yeah, well, thank y'all. On the Instagram, you can hit

946
00:44:02,800 --> 00:44:05,880
Speaker 2: us up. It's at Brown Ambition Podcast on the Gram

947
00:44:06,239 --> 00:44:08,480
Speaker 2: and on Twitter we are at the BA podcast. We're

948
00:44:08,520 --> 00:44:10,000
Speaker 2: also on Facebook, so.

949
00:44:10,080 --> 00:44:12,359
Speaker 1: Yeah, Brown and Bishing on Facebook, so we ch out.

950
00:44:12,440 --> 00:44:14,520
Speaker 1: We love to hear me, y'all. We love Y'allparobo.

951
00:44:15,480 --> 00:44:21,280
Speaker 2: You guys are all right. I'd hug you on the street.

952
00:44:22,120 --> 00:44:23,319
Speaker 3: Yeah, exactly, she woulded.

953
00:44:23,360 --> 00:44:25,200
Speaker 1: I would often the stand beside and wave and be like,

954
00:44:25,200 --> 00:44:26,560
Speaker 1: please don't touch you now.

955
00:44:26,719 --> 00:44:28,920
Speaker 3: I mean I would hug, but you know, under Durest