WEBVTT - Ep. 159 — So, About That Guy Who Scammed Tiffany Out of $25,000...

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<v Speaker 1>Hey, hey, hey, we're black, we're black, We're brown.

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<v Speaker 2>It's Tiffany, except y'all it's Mandy.

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<v Speaker 3>Yes, I've got some shady news, mandra.

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<v Speaker 2>Oh please share. Let's kick it off with shade.

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<v Speaker 1>Yes, because you know, but it's like good shade, you know,

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<v Speaker 1>when bad things happen to bad people. I mean, I'm sorry, Jesus,

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<v Speaker 1>just take a moment. Just give me a moment, so

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<v Speaker 1>if you might, you might know if you follow the

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<v Speaker 1>budgetista that.

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<v Speaker 2>Haven't heard of her, have no idea what you're talking about.

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<v Speaker 1>Well, the infamous start of the brand was like a

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<v Speaker 1>really bad time. So right before the recession, young vigeanista myself,

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<v Speaker 1>I made the extremely poor choice to trust who was

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<v Speaker 1>a friend of mine with like how do you invest?

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<v Speaker 1>Because back then, you know, when you're like in your

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<v Speaker 1>early twenties, you think that if someone has a nice car,

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<v Speaker 1>in a nice apartment and all, like.

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<v Speaker 3>Really not like Ferrari all that stuff.

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<v Speaker 1>I really thought that that meant he actually had money.

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<v Speaker 1>You know, he was like in his thirties and I

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<v Speaker 1>was in my early twenties. I was like, Wow, he's

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<v Speaker 1>got money. Let's call him Bob. Bob's got money, you know,

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<v Speaker 1>and so I'd bought. I just bought a house, and

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<v Speaker 1>I was saving. I was doing all the right things,

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<v Speaker 1>and I said, I want to learn how to invest

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<v Speaker 1>outside of I had money in my retirement account. I

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<v Speaker 1>was setting outside that, but I had excess money, and

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<v Speaker 1>I was like, what do I do with this excess money?

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<v Speaker 1>I want to learn how to invest. You know who's

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<v Speaker 1>independently wealthy, Bob. So I reached out to Bob and

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<v Speaker 1>I had sucker written all over my face.

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<v Speaker 2>Oh man, you went to him.

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<v Speaker 3>Yes, So long story, very very very short.

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<v Speaker 1>I ended up in twenty five thousand, no, twenty five

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<v Speaker 1>to thirty thousand, well, twenty five thousand dollars in debt.

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<v Speaker 1>I took money off of a credit card because we

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<v Speaker 1>were invested, and put it back. I mean, I didn't

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<v Speaker 1>even know you could take money off a credit card,

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<v Speaker 1>so he convinced me to do so.

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<v Speaker 3>Meanwhile, back then I had no credit card debt.

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<v Speaker 1>I used to use like one card to like pay

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<v Speaker 1>for gas and just paid off three month, so I

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<v Speaker 1>wasn't even familiar. And by then too, I had paid

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<v Speaker 1>off my my undergrad student loan debt because it wasn't much.

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<v Speaker 3>I commuted from home. And my parents helped out.

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<v Speaker 1>And so maybe I had like five thousand dollars an

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<v Speaker 1>undergrad debt, so I paid that off, and I think

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<v Speaker 1>I was still in grad school, so I didn't have

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<v Speaker 1>I was accumulating my master's debt, but I didn't like

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<v Speaker 1>have it have it yet. So anyway, I was basically,

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<v Speaker 1>you know, pretty good. I had a home, and so

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<v Speaker 1>we did this thing and took the money off the card.

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<v Speaker 3>He promptly ran away with it.

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<v Speaker 1>But before I realized he ran away with it, I

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<v Speaker 1>bought I bought a online to.

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<v Speaker 3>See this is I was stuper on top of stupid, so.

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<v Speaker 1>I bought an online course from like a well known

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<v Speaker 1>like financial expert that we all kind of know now.

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<v Speaker 3>I think it was like something crazy.

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<v Speaker 1>It was definitely over five thousand dollars because I wanted

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<v Speaker 1>to learn how to start a business. And I was like, look,

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<v Speaker 1>I'm about to be rich, Mandy, Manny, don't don't you gas, Mandy.

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<v Speaker 2>I know how it ends, and I'm still just like

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<v Speaker 2>on the ende of my seat.

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<v Speaker 3>I'm about to be rich.

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<v Speaker 1>I mean, according to Bob, we're about to take this

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<v Speaker 1>money and it's gonna the money's then you'll be twenty

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<v Speaker 1>one hundred dollars a week, Mandy for two years. You

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<v Speaker 1>do the math, Mandy, sounds about right, right, I was like,

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<v Speaker 1>sounds about foolish. And I said sure, and I'm not

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<v Speaker 1>gonna tell nobody because they're just gonna ran on my parade.

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<v Speaker 1>I'll let them, I'll let it rain on them and

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<v Speaker 1>then they'll see that I was right. So this was,

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<v Speaker 1>you know, twenty three, twenty four year old tipany thinking.

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<v Speaker 1>So yeah, I, I, you know, gave Bob the money

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<v Speaker 1>he but I didn't know he ran away with that

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<v Speaker 1>at first because he said I won't I won't get

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<v Speaker 1>my money like the first month. It'll start coming in

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<v Speaker 1>after that. And then yeah, so then I ended up.

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<v Speaker 1>I didn't even use the car to like buy clothes

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<v Speaker 1>and notything like that. I literally bought.

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<v Speaker 3>This one course.

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<v Speaker 1>So it took whatever it is it was in the

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<v Speaker 1>twenties that that I took off to give to Bob,

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<v Speaker 1>And it took me from that to thirty or thirty

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<v Speaker 1>five thousand dollars from no credit card deb to thirty

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<v Speaker 1>or thirty five thousand spent so long, and so here

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<v Speaker 1>I am taking this course which was like like it

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<v Speaker 1>was weak at best, but I'm like, you know, I

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<v Speaker 1>wanted to prepare for this new money that's coming in

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<v Speaker 1>that never came. And then after month one, Bob, were

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<v Speaker 1>you at calling, texting, crying. I mean, like, it took

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<v Speaker 1>me a long time to really understand that Bob took

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<v Speaker 1>my money because we signed a contract.

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<v Speaker 3>I'm like, well, I have a contract, so which.

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<v Speaker 1>Meant nothing because Bob, like you know, just ran away basically,

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<v Speaker 1>and I found that there was someone else that there was,

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<v Speaker 1>like a mutual friend that he'd introduced me to.

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<v Speaker 3>At some point I reached out to him and he

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<v Speaker 3>was like, bobst my money.

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<v Speaker 1>Too, and I was like wow, I said, well, I

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<v Speaker 1>don't know about you, but I'm getting my money back.

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<v Speaker 1>So for two years, really maybe like a year and

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<v Speaker 1>a half, I pursued Bob everywhere he went, everywhere.

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<v Speaker 3>I followed him on social media. I tried to do

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<v Speaker 3>pop ups. I'm like, oh, you want to be in Chicago.

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<v Speaker 1>I don't even have the money for Chicago, but I'm

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<v Speaker 1>gonna see you one day, Bob. You gotta come by

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<v Speaker 1>New York and I'm gonn to you. And it never happened,

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<v Speaker 1>even though he was terrible, because this is what was

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<v Speaker 1>so bad about Bob is not that he wouldn't pick

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<v Speaker 1>up the phone, Mandy. Can you imagine Bob would pick

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<v Speaker 1>up the phone and be like, Oh, I'm sending you

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<v Speaker 1>the me tomorrow.

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<v Speaker 3>Pick up the phone.

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<v Speaker 1>Oh, you didn't get my wire transfer. It's in there,

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<v Speaker 1>and then had the nerve to ask me at one point, Oh,

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<v Speaker 1>I got stuck in whatever country's in could you just

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<v Speaker 1>wire me like fifteen hundred dollars and as soon as

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<v Speaker 1>I get back, I'll have your money.

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<v Speaker 3>I said. So, I'm supposed to give you my fifteen

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<v Speaker 3>hundred dollars for my mortgage to you, Bob, and you

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<v Speaker 3>have not paid me the twenty five thousand that you

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<v Speaker 3>owe me. Wow. And he was just like, you know,

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<v Speaker 3>it's only because I'm stuck here.

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<v Speaker 1>I mean, if you want your money, I can't be

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<v Speaker 1>stuck in whatever country that he's supposedly stuck in.

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<v Speaker 3>Of course, Nee Lissa said, I did not give him

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<v Speaker 3>the fifteen hundred dollars. I was like, well, give me

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<v Speaker 3>my money.

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<v Speaker 1>So that went on for like a year and a half.

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<v Speaker 1>I mean everything, it just was. I was hysterical at

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<v Speaker 1>one point.

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<v Speaker 2>Was he also one of the co founders of the

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<v Speaker 2>Fire festival.

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<v Speaker 3>You know, he mustn't. He must know that.

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<v Speaker 1>But the thing is, I've been to his pen half,

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<v Speaker 1>like he's had a party at his penthouse suite in

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<v Speaker 1>New York.

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<v Speaker 3>You know, I've seen him and it's his ferrari. So

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<v Speaker 3>I'm like, Bob's got money.

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<v Speaker 1>Yes, that was the people's money, and so yeah, So

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<v Speaker 1>that went on for like a year and a half.

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<v Speaker 1>I never got my money, but it then there was

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<v Speaker 1>session hit then, I you know, so here I was

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<v Speaker 1>thirty five thousand dollars in credit card debt. My student

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<v Speaker 1>loans finally hit because I graduated until fifty something thousand,

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<v Speaker 1>and my condo I could no longer afford two hundred

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<v Speaker 1>and like twenty thousand. So I was like, you know,

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<v Speaker 1>over over three hundred thousand dollars in debt and no

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<v Speaker 1>income coming in, and it was just really devastating. I

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<v Speaker 1>moved back home, started the Budgetista. As I began to

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<v Speaker 1>rebuild my life, I realized I wasn't the only one

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<v Speaker 1>who needed rebuilding. And so, you know, because my father

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<v Speaker 1>was an accountant in the CFO, and he'd already sent

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<v Speaker 1>me to all of these classes, had all these like certifications,

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<v Speaker 1>Like when I was younger about how to manage our money.

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<v Speaker 1>And so the investment part is the only part that

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<v Speaker 1>we never really talked about. That's why I made that mistake.

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<v Speaker 1>But anyway, I dug myself out, and as I was

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<v Speaker 1>digging myself out, the teacher and me started helping my friends,

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<v Speaker 1>and then their friends and then their friends, and the

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<v Speaker 1>budgetista was born. Basically, so, I think last week we

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<v Speaker 1>talked about something and it made me google Bob.

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<v Speaker 3>I said, let me see.

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<v Speaker 1>And meanwhile, so at one point I had to, like,

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<v Speaker 1>I had to release the expectation that I was ever

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<v Speaker 1>going to get my money back, like I had gone.

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<v Speaker 3>I got a friend of mine was a lawyer. She

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<v Speaker 3>looked over the contract. She said, Takes, did you read this?

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<v Speaker 1>I was like, now, she said, so apparently Bob is

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<v Speaker 1>a citizen of France. Although and so she was like,

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<v Speaker 1>so this says you can sue him in France.

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<v Speaker 3>I was like, oh, well, clearly I didn't read it.

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<v Speaker 1>And so and by then too, I had already spoke

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<v Speaker 1>to Carlos, my accountant, and so what Carlos did was

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<v Speaker 1>he said, this, we can start to write this off

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<v Speaker 1>a year after year as a loss. So I already

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<v Speaker 1>you know I took the you know, my my taxes

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<v Speaker 1>reflected this this investment loss, and I said, okay. So

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<v Speaker 1>then I blocked Bob on everything because he was like weird.

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<v Speaker 1>He would call me and reach out and pretend like

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<v Speaker 1>he sends the money or he was sending it, and

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<v Speaker 1>it got to be honestly, it got to be a

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<v Speaker 1>lot on my spirit, you know, like like expect and

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<v Speaker 1>expecting like I was going to get the money didn't come.

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<v Speaker 3>So I blocked him on the phone. I blocked him everywhere.

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<v Speaker 1>But then like literally I haven't thought about him, like

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<v Speaker 1>I don't know the last six seven years.

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<v Speaker 3>And then I did something we spoke about last week,

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<v Speaker 3>maybe google him. So apparently Bob.

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<v Speaker 1>Has been scamming everywhere with Who's surprised. So Bob has

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<v Speaker 1>scammed in Florida, where I met him. He's on trial

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<v Speaker 1>for that, scammed in Georgia. But I remember he said

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<v Speaker 1>he like stayed a lot of time, like spent a

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<v Speaker 1>lot of time in Atlanta, and scammed in New York.

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<v Speaker 1>But Pete this, I mean, I'm sure Bob scamed regular people.

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<v Speaker 1>But Bob, being the fool that he is, scammed the

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<v Speaker 1>United States government. There is literally a he's in federal

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<v Speaker 1>prison right now, which I'm like, oh, look at that,

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<v Speaker 1>just dessert.

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<v Speaker 2>So where did they prosecute him? Was it in the States?

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<v Speaker 1>Yeah, so apparently Bob so themly there's like a like

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<v Speaker 1>I was looking online and it says the United States

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<v Speaker 1>of America's versus Bob, not his name obviously, and apparently

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<v Speaker 1>what he tried to do is, Hey, they're prosecuting him

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<v Speaker 1>for aggravated identity theft. He tried to make false statements

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<v Speaker 1>on a US passport. So I don't know if he

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<v Speaker 1>had been kicked out and tried to come back, but

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<v Speaker 1>he tried to falsify and get like a fake passport,

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<v Speaker 1>which is not super smart, and so you're not gonna

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<v Speaker 1>win against the United States government. And so he's now

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<v Speaker 1>in federal prison because that is a federal you know, offense,

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<v Speaker 1>and like I'm just reading all this like how he's

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<v Speaker 1>fighting against it, saying he didn't know that he filled

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<v Speaker 1>it out incorrectly by a mistake, and they're like, you

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<v Speaker 1>travel to over thirty different countries and you're you know,

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<v Speaker 1>such as such a year's old forty seven years old,

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<v Speaker 1>that like that wasn't a mistake. You did it on purpose,

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<v Speaker 1>So yeah, it looks like and meanwhile, it's not just there.

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<v Speaker 1>Bob also has pending cases in Georgia and New York.

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<v Speaker 1>And I said, look hip, Bob, Well, scammers never see

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<v Speaker 1>so now I know what the blob up.

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<v Speaker 3>Because of the fire festival talk. It made me say,

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<v Speaker 3>let me see what my scammer's up to.

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<v Speaker 1>So yeah, I was running away and I'm in prison.

0:10:01.320 --> 0:10:03.480
<v Speaker 1>So hopefully, you know, he'll stay there for a long while.

0:10:04.040 --> 0:10:05.840
<v Speaker 1>And I know, like the people that he sold from

0:10:05.880 --> 0:10:09.200
<v Speaker 1>will never get their money back, but hopefully it didn't

0:10:09.200 --> 0:10:09.720
<v Speaker 1>set them.

0:10:09.559 --> 0:10:11.000
<v Speaker 3>Back in a way that they never recovered.

0:10:11.360 --> 0:10:13.240
<v Speaker 1>But hey, Bob, if they let you get rand Ambish

0:10:13.360 --> 0:10:15.640
<v Speaker 1>in jail, tell your bunk made.

0:10:15.679 --> 0:10:17.120
<v Speaker 3>I said, hey, you know, let me stop.

0:10:17.440 --> 0:10:19.200
<v Speaker 1>But yeah, what it just shows though, is that, like

0:10:19.360 --> 0:10:21.960
<v Speaker 1>you know, eventually the things you do do catch up

0:10:22.000 --> 0:10:25.600
<v Speaker 1>to you. Even you might not reap what you sew, well,

0:10:25.640 --> 0:10:27.720
<v Speaker 1>you might not reap where you sew, like I you know,

0:10:27.800 --> 0:10:29.720
<v Speaker 1>wasn't able to do something to him, but you definitely

0:10:30.000 --> 0:10:32.880
<v Speaker 1>what you sew. So eventually his bad deeds caught up

0:10:32.920 --> 0:10:34.720
<v Speaker 1>with him in another space and place.

0:10:35.520 --> 0:10:38.679
<v Speaker 2>Well, I mean, I know, not everyone has to endure

0:10:38.720 --> 0:10:41.080
<v Speaker 2>what you had to endure on that level. But I think,

0:10:41.160 --> 0:10:44.640
<v Speaker 2>I mean, don't feel bad obviously, I think the best

0:10:44.679 --> 0:10:47.120
<v Speaker 2>of us can get scammed by people who sound like

0:10:47.200 --> 0:10:49.280
<v Speaker 2>too good to be true. So at least he got

0:10:49.280 --> 0:10:51.200
<v Speaker 2>his come up. And how many years later has it been?

0:10:51.240 --> 0:10:51.640
<v Speaker 2>Ten years?

0:10:52.040 --> 0:10:54.920
<v Speaker 3>I know? Is that crazy? Yep? Ten years later? So yeah,

0:10:54.960 --> 0:10:55.680
<v Speaker 3>a belch.

0:10:56.480 --> 0:10:58.120
<v Speaker 1>But the lesson and all of that, honestly, like you

0:10:58.120 --> 0:11:00.000
<v Speaker 1>guys are always asking us questions and stuff like that,

0:11:00.559 --> 0:11:03.280
<v Speaker 1>and that's good. The lesson is to you know, not

0:11:03.400 --> 0:11:06.080
<v Speaker 1>take one person's word for anything. Is to do your

0:11:06.080 --> 0:11:09.360
<v Speaker 1>own research, you know, like a wealthy investor is an

0:11:09.480 --> 0:11:12.119
<v Speaker 1>educated investor, like, you know, do your own due diligence.

0:11:12.559 --> 0:11:16.079
<v Speaker 1>You know that, And there's no shortcut to growing wealth,

0:11:16.120 --> 0:11:18.160
<v Speaker 1>like you have to participate actively in it.

0:11:18.720 --> 0:11:21.559
<v Speaker 2>Yes, and ask your friends for advice, even if it's

0:11:21.600 --> 0:11:23.760
<v Speaker 2>not what you want to hear, because.

0:11:23.480 --> 0:11:26.559
<v Speaker 3>My friends would have been like, are you kidding? Yeah? Yeah.

0:11:27.559 --> 0:11:31.000
<v Speaker 2>So another disturbing news, did you see Jesse Smollett from

0:11:31.960 --> 0:11:36.000
<v Speaker 2>Empire got attacked apparently by two white men in a

0:11:36.040 --> 0:11:40.600
<v Speaker 2>subway like the restaurant what late at night in Chicago

0:11:40.640 --> 0:11:43.280
<v Speaker 2>of all places, like they were wearing they were allegedly

0:11:43.320 --> 0:11:47.520
<v Speaker 2>wearing make America Great Again hats and tied a rope

0:11:47.520 --> 0:11:49.800
<v Speaker 2>around his neck like a noose and beat him up

0:11:49.840 --> 0:11:52.360
<v Speaker 2>and poured bleach on him. And I'm like, were they

0:11:52.440 --> 0:11:55.520
<v Speaker 2>following him? Why did they just happen to walk into

0:11:55.800 --> 0:11:59.199
<v Speaker 2>a subway restaurant at two am with a lot of

0:11:59.240 --> 0:11:59.920
<v Speaker 2>lebleach in a row?

0:12:00.280 --> 0:12:02.320
<v Speaker 3>Like what? So? Details?

0:12:02.559 --> 0:12:05.160
<v Speaker 2>Yeah, I'm sure more details will come out, but if

0:12:05.160 --> 0:12:08.560
<v Speaker 2>it's if it's all true, it's really really disturbing. There's

0:12:08.600 --> 0:12:10.240
<v Speaker 2>a picture of him and he looks really bad, like

0:12:10.240 --> 0:12:12.080
<v Speaker 2>his face is all swollen and stuff, and that's just

0:12:13.000 --> 0:12:15.760
<v Speaker 2>I mean, that's what that is the danger of all this,

0:12:15.960 --> 0:12:18.800
<v Speaker 2>Like you know, everyone asks, everyone thought that, you know,

0:12:18.880 --> 0:12:22.560
<v Speaker 2>Trump was so innocuous and just a side show, like

0:12:22.600 --> 0:12:26.840
<v Speaker 2>a publicity slide side show or you know, harmless, but

0:12:27.240 --> 0:12:30.520
<v Speaker 2>he really gave he really gave credence to the type

0:12:30.520 --> 0:12:33.080
<v Speaker 2>of behaviors and hate speech that we're seeing now, and

0:12:33.120 --> 0:12:36.280
<v Speaker 2>he kind of gave them permission, like these people permission

0:12:37.240 --> 0:12:39.520
<v Speaker 2>to be more forthcoming with their beliefs and to really

0:12:39.520 --> 0:12:42.320
<v Speaker 2>act on them, you know, because they probably see what

0:12:42.360 --> 0:12:45.199
<v Speaker 2>happened in places like Charlottesville, where he where our own

0:12:45.240 --> 0:12:48.600
<v Speaker 2>president didn't want to denounce you know, white supremacy and

0:12:48.640 --> 0:12:51.280
<v Speaker 2>the white supremacists who were, you know, at the forefront

0:12:51.280 --> 0:12:53.360
<v Speaker 2>of that and probably think that they can get away

0:12:53.400 --> 0:12:55.800
<v Speaker 2>with it now, like in the country that we're in now.

0:12:55.800 --> 0:12:59.520
<v Speaker 2>And that's what's like truly disturbing about something like this

0:12:59.559 --> 0:13:02.080
<v Speaker 2>happening twenty eighteen in Chicago. You wouldn't think that would

0:13:02.080 --> 0:13:06.280
<v Speaker 2>happen in Chicago. Yeah, I just wow, nineteen Sorry, I'm like,

0:13:06.320 --> 0:13:07.000
<v Speaker 2>what year is it?

0:13:09.200 --> 0:13:11.120
<v Speaker 3>Yeah? Wow, wow, wow, wow wow.

0:13:12.920 --> 0:13:15.480
<v Speaker 1>I don't even know what to say. That's insane. I

0:13:15.559 --> 0:13:18.559
<v Speaker 1>just can't even I just pray that he's going to

0:13:18.640 --> 0:13:20.680
<v Speaker 1>be okay.

0:13:20.880 --> 0:13:23.800
<v Speaker 2>Me too. I mean, I think I recently saw this play.

0:13:24.000 --> 0:13:25.760
<v Speaker 2>There's a new of course I did. I'm getting back

0:13:25.760 --> 0:13:28.760
<v Speaker 2>into my Broadway groove. But there's a new show a

0:13:28.800 --> 0:13:33.080
<v Speaker 2>new music hall called Choir Boy, which is about a

0:13:33.120 --> 0:13:36.439
<v Speaker 2>teenager a black So it's about an all black or

0:13:36.440 --> 0:13:40.160
<v Speaker 2>a majority black prep school for boys, and about a

0:13:40.360 --> 0:13:43.800
<v Speaker 2>graduating senior in the school who's in the choir and

0:13:43.880 --> 0:13:47.400
<v Speaker 2>he's gay, not openly gay, but he's himself and he

0:13:47.480 --> 0:13:49.880
<v Speaker 2>definitely presents as gay but hasn't come out and said it.

0:13:49.920 --> 0:13:52.800
<v Speaker 2>And it's kind of about how his other classmates interact

0:13:52.880 --> 0:13:57.080
<v Speaker 2>with him being openly but not openly gay, and I

0:13:57.080 --> 0:13:59.080
<v Speaker 2>thought it was such a beautiful show. And I saw

0:13:59.080 --> 0:14:00.319
<v Speaker 2>it with a good friend of mine and who I

0:14:00.320 --> 0:14:03.120
<v Speaker 2>won't call out, but it's a good friend of mine

0:14:03.120 --> 0:14:05.840
<v Speaker 2>who grew up in the South, just like me, being black,

0:14:05.920 --> 0:14:08.480
<v Speaker 2>and then you know, had to sort of discover his

0:14:08.520 --> 0:14:11.720
<v Speaker 2>sexuality over the years. And there's it's already hard enough

0:14:11.720 --> 0:14:14.160
<v Speaker 2>to be black, and then you throw in also being

0:14:14.200 --> 0:14:16.160
<v Speaker 2>gay on top of that, and the stigmas and the

0:14:16.160 --> 0:14:19.760
<v Speaker 2>stereotypes and you know what you have to endure not

0:14:19.800 --> 0:14:23.680
<v Speaker 2>just from just the general like homophobia that exists, but

0:14:23.720 --> 0:14:26.000
<v Speaker 2>also within the black community on top of that. It's

0:14:26.040 --> 0:14:28.400
<v Speaker 2>really hard. So like, on the one hand, I was

0:14:28.400 --> 0:14:31.480
<v Speaker 2>celebrating that play as, oh, this is a really you know,

0:14:31.520 --> 0:14:33.120
<v Speaker 2>this is the kind of musical I don't think could

0:14:33.120 --> 0:14:35.360
<v Speaker 2>have been made ten years ago. And look at the

0:14:35.360 --> 0:14:37.520
<v Speaker 2>time we're living in and you know, all happy with

0:14:37.560 --> 0:14:39.600
<v Speaker 2>my friend, and then for something like this to happen,

0:14:39.640 --> 0:14:44.120
<v Speaker 2>it's just sort of like, oh, okay, it's still it's

0:14:44.120 --> 0:14:48.160
<v Speaker 2>still not like you know, there's good with bad for

0:14:48.200 --> 0:14:49.240
<v Speaker 2>people in that situation.

0:14:50.000 --> 0:14:56.280
<v Speaker 1>Yeah, it's just so much like, oh, you know, from yeah,

0:14:56.560 --> 0:14:58.680
<v Speaker 1>I just there's just so much. He didn't just feel

0:14:58.720 --> 0:15:01.800
<v Speaker 1>like I just can't like from R Kelly, you know

0:15:01.840 --> 0:15:03.680
<v Speaker 1>that you heard that Sundance and there's this like a

0:15:03.720 --> 0:15:07.560
<v Speaker 1>new movie about Michael Jackson kind of like yeah, and honestly,

0:15:07.720 --> 0:15:10.520
<v Speaker 1>I'm not Drina, y'all know, like my best friend but

0:15:10.520 --> 0:15:12.280
<v Speaker 1>also my puplicists at sun Dancing.

0:15:12.960 --> 0:15:18.040
<v Speaker 3>She was like the screening was like legacy shattering and

0:15:18.240 --> 0:15:20.480
<v Speaker 3>like it was really bad, like.

0:15:21.200 --> 0:15:25.240
<v Speaker 1>Seven year olds eight year olds, you know, and just

0:15:25.240 --> 0:15:26.720
<v Speaker 1>pay off. I have to pay off, have to pay off,

0:15:26.720 --> 0:15:29.480
<v Speaker 1>and it's like, what is happening?

0:15:29.600 --> 0:15:29.800
<v Speaker 3>You know?

0:15:30.080 --> 0:15:32.680
<v Speaker 2>Where there's smoke, there's fire, Yeah.

0:15:32.600 --> 0:15:35.400
<v Speaker 1>And it's justially continue to smoke over and over and over,

0:15:35.600 --> 0:15:38.160
<v Speaker 1>you know, Like I know people don't want to hear it,

0:15:38.160 --> 0:15:41.440
<v Speaker 1>they want to see it. It's just so much and

0:15:41.480 --> 0:15:43.480
<v Speaker 1>you're just like, what in the heck kind of world?

0:15:43.560 --> 0:15:43.760
<v Speaker 3>You know?

0:15:43.960 --> 0:15:46.160
<v Speaker 1>That's why when people used to say, you know, back

0:15:46.320 --> 0:15:50.880
<v Speaker 1>back in the day, but when when President Obama was

0:15:50.880 --> 0:15:53.560
<v Speaker 1>elected there's no more racism. I was like every black

0:15:53.560 --> 0:15:57.240
<v Speaker 1>bron person I know was like, what someone just called

0:15:57.240 --> 0:15:58.080
<v Speaker 1>me the M word yesterday?

0:15:58.080 --> 0:16:00.840
<v Speaker 3>What are you talking about? Just because people.

0:16:00.600 --> 0:16:03.000
<v Speaker 1>Are not overt with it, But now I feel like

0:16:03.240 --> 0:16:05.800
<v Speaker 1>so much stuff is coming to the light. Some people

0:16:05.840 --> 0:16:10.400
<v Speaker 1>are flaunting, they're they're just foolishness, and some people it's

0:16:10.440 --> 0:16:13.240
<v Speaker 1>just coming to the light because people finally are sharing

0:16:13.280 --> 0:16:17.360
<v Speaker 1>their stories of abuse, and it's like, oh, what is

0:16:17.440 --> 0:16:19.440
<v Speaker 1>everyone terrible? You know, when you look at the people,

0:16:19.480 --> 0:16:21.880
<v Speaker 1>you know, you're like, well, my husband's not terrible.

0:16:22.080 --> 0:16:24.800
<v Speaker 3>I hope. I mean, I don't think, you know, and.

0:16:25.720 --> 0:16:27.960
<v Speaker 1>I know, you know, you just I just feel like

0:16:28.000 --> 0:16:32.040
<v Speaker 1>I'm questioning everything. I mean, I don't question, but it's

0:16:32.080 --> 0:16:34.160
<v Speaker 1>just that there's just so much happening, Just like, how

0:16:34.200 --> 0:16:37.200
<v Speaker 1>do you process all of this dismantling of all that

0:16:37.280 --> 0:16:38.040
<v Speaker 1>you know, you know.

0:16:38.560 --> 0:16:40.960
<v Speaker 2>I think just talking about it honestly and not ignoring

0:16:40.960 --> 0:16:43.960
<v Speaker 2>it anymore and having they're really uncomfortable conversations, and I

0:16:43.960 --> 0:16:45.560
<v Speaker 2>feel like we've all been forced to have them over

0:16:45.560 --> 0:16:47.840
<v Speaker 2>the past, you know, a couple of years, and especially

0:16:47.880 --> 0:16:50.360
<v Speaker 2>with the Me Too movement and looking at what happened

0:16:50.400 --> 0:16:53.720
<v Speaker 2>with R. Kelly, Yeah, and whatever happens with Michael Jackson

0:16:53.760 --> 0:16:55.920
<v Speaker 2>and even you know, what happened with Kevin Hart and

0:16:55.920 --> 0:16:59.040
<v Speaker 2>the oscars, Like everybody is just on a high alert

0:17:00.240 --> 0:17:02.760
<v Speaker 2>and the and You're right, like, the more people talk

0:17:02.800 --> 0:17:04.680
<v Speaker 2>about it, the more we may have to look back

0:17:04.680 --> 0:17:08.200
<v Speaker 2>and face uncomfortable truths like Bill Cosby, that whole thing happening.

0:17:09.040 --> 0:17:09.600
<v Speaker 3>I think just.

0:17:09.520 --> 0:17:13.280
<v Speaker 2>Talking through it and also giving yourself the like no

0:17:13.320 --> 0:17:16.440
<v Speaker 2>one has the answer, and I think, you know, there's

0:17:16.440 --> 0:17:18.640
<v Speaker 2>no black and white with people. You can have people

0:17:18.680 --> 0:17:21.080
<v Speaker 2>who do good things and then do really terrible things.

0:17:21.680 --> 0:17:21.879
<v Speaker 1>You know.

0:17:22.160 --> 0:17:24.320
<v Speaker 2>I know there was an interview with Harvey Weinstein's wife,

0:17:24.359 --> 0:17:26.280
<v Speaker 2>you know, where she's talking about a great father he is.

0:17:26.359 --> 0:17:28.960
<v Speaker 2>I believe that he probably was a great father, but

0:17:29.040 --> 0:17:32.200
<v Speaker 2>also a sexual predator. Yeah, and that's where it's really

0:17:32.200 --> 0:17:33.959
<v Speaker 2>And if you if you haven't had someone in your

0:17:33.960 --> 0:17:37.480
<v Speaker 2>life who's really been you know, been one thing to

0:17:37.560 --> 0:17:40.000
<v Speaker 2>you that's very positive, and then to hear you know,

0:17:40.040 --> 0:17:42.560
<v Speaker 2>it's like when you I'm sure in every everyone's lives,

0:17:42.600 --> 0:17:45.080
<v Speaker 2>you've heard about a relative that you loved and like

0:17:45.400 --> 0:17:47.640
<v Speaker 2>you hear bad things about them after they passed away

0:17:47.680 --> 0:17:49.480
<v Speaker 2>at the funeral or something like that. You know, it's

0:17:49.800 --> 0:17:54.280
<v Speaker 2>maybe not to this degree, but people are, People have skeletons,

0:17:54.400 --> 0:17:57.800
<v Speaker 2>and yeah, we just have to be just I think

0:17:57.800 --> 0:17:59.680
<v Speaker 2>it's it's almost good because we're kind of being taught

0:17:59.720 --> 0:18:02.000
<v Speaker 2>not to think about people critically and not to take

0:18:02.040 --> 0:18:04.880
<v Speaker 2>people like like your friend who you realized was a scammer.

0:18:05.960 --> 0:18:08.160
<v Speaker 1>He was so charming, like you would be like, oh

0:18:08.160 --> 0:18:10.800
<v Speaker 1>my gosh, I like your friend Bob. He's so charming,

0:18:10.840 --> 0:18:14.200
<v Speaker 1>he's smart, well travel like you would never if let's

0:18:14.200 --> 0:18:16.760
<v Speaker 1>just say this, if I would have never, if I

0:18:16.760 --> 0:18:19.000
<v Speaker 1>would have never said, hey, Bob showed me how to invest,

0:18:19.040 --> 0:18:21.159
<v Speaker 1>and all of a sudden he didn't look at me

0:18:21.240 --> 0:18:22.880
<v Speaker 1>as a mark before because I'm sure he's like, she's

0:18:22.880 --> 0:18:23.560
<v Speaker 1>a preschool teacher.

0:18:23.560 --> 0:18:25.440
<v Speaker 3>She didn't have any money, you know.

0:18:25.840 --> 0:18:28.440
<v Speaker 1>So up until then, if I would have never kind

0:18:28.440 --> 0:18:30.760
<v Speaker 1>of like exposed, like, hey, I have some money, me

0:18:30.800 --> 0:18:32.960
<v Speaker 1>and Bob might still be friends today. I would never

0:18:33.040 --> 0:18:36.200
<v Speaker 1>know that he was secretly stealing from people on the side. Yeah,

0:18:36.240 --> 0:18:38.359
<v Speaker 1>you know, you know so, Yeah, that was one of

0:18:38.400 --> 0:18:39.480
<v Speaker 1>the things that that was one of the things that

0:18:39.480 --> 0:18:40.920
<v Speaker 1>struck me about the Firefestival.

0:18:40.920 --> 0:18:41.520
<v Speaker 3>I watched both the.

0:18:41.600 --> 0:18:46.840
<v Speaker 1>Hulu and the and the what was it Netflix that

0:18:46.960 --> 0:18:50.480
<v Speaker 1>everyone said that Billy, the guy who you know sparked

0:18:50.480 --> 0:18:54.560
<v Speaker 1>this controversy, the founder of Firefest, that that he was

0:18:54.600 --> 0:18:57.360
<v Speaker 1>really charming, that he was cool. I mean, you could

0:18:57.359 --> 0:18:59.800
<v Speaker 1>tell even in the way people spoke about him that

0:18:59.840 --> 0:19:01.040
<v Speaker 1>they they were conflicted, like.

0:19:01.080 --> 0:19:03.640
<v Speaker 3>Oh, Billy was so chill, he was so cool, but.

0:19:03.440 --> 0:19:05.960
<v Speaker 1>My people didn't get paid, you know, so they were like, wait,

0:19:06.000 --> 0:19:09.800
<v Speaker 1>it's the same guy. So yeah, it is very I mean,

0:19:09.840 --> 0:19:11.560
<v Speaker 1>there's a there's actually a book I think. I was

0:19:11.560 --> 0:19:13.359
<v Speaker 1>like at Barnes and Nobles this weekend and it was

0:19:13.400 --> 0:19:16.359
<v Speaker 1>like this book about how this young woman was raised

0:19:16.359 --> 0:19:19.440
<v Speaker 1>by like a famous serial killer and she didn't know

0:19:20.119 --> 0:19:22.480
<v Speaker 1>until she got older. She's like, wait, what my dad

0:19:22.520 --> 0:19:25.399
<v Speaker 1>was killing people because that was her dad and as

0:19:25.400 --> 0:19:27.600
<v Speaker 1>far as she could tell, he was a good dad.

0:19:27.680 --> 0:19:28.600
<v Speaker 3>But it didn't mean on.

0:19:28.600 --> 0:19:31.840
<v Speaker 1>The side he wasn't killing people, which is so crazy,

0:19:32.000 --> 0:19:35.760
<v Speaker 1>you know. So yeah, it's just I'm telling you. Sometimes

0:19:35.760 --> 0:19:38.040
<v Speaker 1>it's just like ooh, ChIL, I.

0:19:37.400 --> 0:19:40.879
<v Speaker 2>Think critically about the people you interact with your financial planners,

0:19:40.960 --> 0:19:44.119
<v Speaker 2>Like every you know, your accountants, don't just like do

0:19:44.200 --> 0:19:47.440
<v Speaker 2>your own research on your own vetting, because yeah, I mean,

0:19:47.800 --> 0:19:49.840
<v Speaker 2>people are not always what they seem to be, especially

0:19:49.840 --> 0:19:51.320
<v Speaker 2>if you have if they have a way to gain

0:19:51.760 --> 0:19:54.840
<v Speaker 2>from you and being attached to you for sure, speaking

0:19:54.880 --> 0:19:57.800
<v Speaker 2>of people being taken advantage of the governments, finally not

0:19:57.840 --> 0:20:02.080
<v Speaker 2>shut down temporarily, Husby's going to get a paycheck. Hey,

0:20:02.280 --> 0:20:06.160
<v Speaker 2>I'm excited about that. Yeah, that's all insane and it's

0:20:06.160 --> 0:20:08.439
<v Speaker 2>finally kind of ending. But we don't really know if

0:20:08.480 --> 0:20:11.520
<v Speaker 2>they're gonna because Trump could turn around at the end

0:20:11.520 --> 0:20:13.199
<v Speaker 2>of these three weeks. What is it, we're back in

0:20:13.240 --> 0:20:17.440
<v Speaker 2>session or back I think the government's back in full

0:20:17.480 --> 0:20:19.560
<v Speaker 2>swing until like the fifteenth of February or something.

0:20:19.640 --> 0:20:19.920
<v Speaker 1>M h.

0:20:20.520 --> 0:20:23.240
<v Speaker 2>But he could turn around and be like, nah, no

0:20:23.359 --> 0:20:27.440
<v Speaker 2>wall okay, let's do another shutdown, and that would just

0:20:27.480 --> 0:20:29.920
<v Speaker 2>screw so many families up. So hopefully it doesn't happen.

0:20:30.320 --> 0:20:32.399
<v Speaker 1>Yes, I just like but the fact that I'm just

0:20:32.400 --> 0:20:34.399
<v Speaker 1>so glad that people are getting their back pay, but

0:20:34.480 --> 0:20:39.040
<v Speaker 1>not contractors, which is hard, you know, but like you know,

0:20:39.040 --> 0:20:42.120
<v Speaker 1>employees are getting their back pay and so they can

0:20:42.160 --> 0:20:44.639
<v Speaker 1>help to sort of like reset. But you know, there

0:20:45.080 --> 0:20:47.720
<v Speaker 1>there is there are costs that you'll never get back,

0:20:47.880 --> 0:20:51.000
<v Speaker 1>you know, Yeah, if you're you know, if you're late,

0:20:51.040 --> 0:20:53.160
<v Speaker 1>and what if your landlord still charges a late fee,

0:20:53.160 --> 0:20:56.199
<v Speaker 1>and what if you know, like there's there's extra interest

0:20:56.240 --> 0:20:58.800
<v Speaker 1>on your credit card. So they're just you never quite

0:20:58.840 --> 0:21:01.439
<v Speaker 1>get back what you lot, but hopefully it can it

0:21:01.480 --> 0:21:03.360
<v Speaker 1>can get as close as as possible.

0:21:03.720 --> 0:21:05.680
<v Speaker 2>Yeah, and if you're if you're a government employee and

0:21:05.720 --> 0:21:08.080
<v Speaker 2>you and you're dealing with a bank situation where your

0:21:08.119 --> 0:21:09.399
<v Speaker 2>credit card payment you won't be able to make it

0:21:09.520 --> 0:21:11.840
<v Speaker 2>or something like that, just contact your bank because most

0:21:11.840 --> 0:21:14.960
<v Speaker 2>of the main issuers, the main banks out there, have

0:21:15.200 --> 0:21:19.320
<v Speaker 2>programs where they will waive interest fees or waive late

0:21:19.359 --> 0:21:23.720
<v Speaker 2>payments if you're unable to make them. Even now having

0:21:23.760 --> 0:21:28.119
<v Speaker 2>to having missed two paychecks with the shutdown, So contact

0:21:28.119 --> 0:21:31.520
<v Speaker 2>your bank and at least try and get some reprieve

0:21:31.840 --> 0:22:07.520
<v Speaker 2>until that paycheck comes. Questions, I thought you fading.

0:22:08.040 --> 0:22:11.040
<v Speaker 1>I know, you know I used to do the transitions.

0:22:11.040 --> 0:22:13.639
<v Speaker 1>But yes, coo, weest y'all especially, I know we have

0:22:13.680 --> 0:22:15.720
<v Speaker 1>some good ones. I'm glad that you guys are hitting

0:22:15.760 --> 0:22:17.440
<v Speaker 1>us back up in the inbox because we really love

0:22:17.440 --> 0:22:18.040
<v Speaker 1>your questions.

0:22:18.320 --> 0:22:20.239
<v Speaker 2>Yeah, please send us to your questions. You can hit

0:22:20.280 --> 0:22:24.920
<v Speaker 2>us up at Brandnambisson podcast dot com dot com.

0:22:25.119 --> 0:22:26.600
<v Speaker 3>Oh you waiting for dot com.

0:22:27.080 --> 0:22:29.960
<v Speaker 2>I'll edit that out so it wasn't as long. Okay,

0:22:30.280 --> 0:22:34.240
<v Speaker 2>all right, leave me hanging branimissionpodcast dot com, or send

0:22:34.280 --> 0:22:37.359
<v Speaker 2>us an email at Brandambision Podcast at gmail dot com.

0:22:37.400 --> 0:22:41.199
<v Speaker 2>You can remain anonymous. Just let us know, and we

0:22:41.240 --> 0:22:44.159
<v Speaker 2>love your questions and they they're always really interesting. And

0:22:44.200 --> 0:22:46.480
<v Speaker 2>I've got a couple of let me shake up the

0:22:46.520 --> 0:22:48.840
<v Speaker 2>reader mail bag right now or listener mail bags. So

0:22:48.880 --> 0:22:51.160
<v Speaker 2>we have one question from someone who'd like to remain

0:22:51.200 --> 0:22:54.600
<v Speaker 2>anonymous because she is a government employee who's been impacted

0:22:54.640 --> 0:22:58.119
<v Speaker 2>by the shutdown. So here's what this listener has to say.

0:22:58.320 --> 0:23:01.720
<v Speaker 2>We'll call her Alana. Alana says, I'm a federal employee

0:23:01.720 --> 0:23:03.879
<v Speaker 2>for the Department of Defense, so I'm not affected by

0:23:03.880 --> 0:23:07.000
<v Speaker 2>the shutdown personally. That she must have been considered an

0:23:07.119 --> 0:23:10.560
<v Speaker 2>essential employee and been able to get paid. However, we

0:23:10.600 --> 0:23:14.320
<v Speaker 2>are only funded through the thirtieth of September twenty nineteen.

0:23:14.840 --> 0:23:18.040
<v Speaker 2>As a pessimist, I'm already having anxiety about what happens

0:23:18.080 --> 0:23:21.200
<v Speaker 2>come the first of October. If this shit show shut down,

0:23:21.280 --> 0:23:24.200
<v Speaker 2>her words continues, and we do not have funding, I'm

0:23:24.200 --> 0:23:26.399
<v Speaker 2>definitely at pay the rent, keep the lights on, have

0:23:26.560 --> 0:23:30.200
<v Speaker 2>food and transportation type of person, so credit debt will

0:23:30.200 --> 0:23:33.000
<v Speaker 2>immediately fall to the wayside for me so that necessities

0:23:33.000 --> 0:23:36.399
<v Speaker 2>are met. My questions are what's the best way to

0:23:36.440 --> 0:23:38.960
<v Speaker 2>save more money? So I'm okay if something happens and

0:23:39.000 --> 0:23:42.040
<v Speaker 2>there's another shutdown, When should I start saving money? And

0:23:42.080 --> 0:23:44.720
<v Speaker 2>what's the best way to manage credit card debt when

0:23:44.720 --> 0:23:48.800
<v Speaker 2>you're trying to prioritize other necessary expenses if something like

0:23:48.800 --> 0:23:52.280
<v Speaker 2>a shutdown were to happen and you're suddenly not getting

0:23:52.280 --> 0:23:59.800
<v Speaker 2>a paycheck anymore. Good questions. Like, personally, I'm really I'm

0:23:59.800 --> 0:24:02.439
<v Speaker 2>not happy about the shutdown by any stretch, but I

0:24:02.440 --> 0:24:04.199
<v Speaker 2>think it's a good reminder and a good wake up

0:24:04.240 --> 0:24:07.760
<v Speaker 2>call for a lot of families that you know, unexpected,

0:24:08.040 --> 0:24:11.040
<v Speaker 2>like even your government job can be unpredictable. And for

0:24:11.119 --> 0:24:13.199
<v Speaker 2>people working in the private sector, we live with that

0:24:13.240 --> 0:24:15.400
<v Speaker 2>fear every day too. Because we were for public companies,

0:24:15.800 --> 0:24:17.640
<v Speaker 2>they could decide, oh, I don't need a content team

0:24:17.680 --> 0:24:20.480
<v Speaker 2>anymore and buy Mandy, And I need to have my

0:24:20.920 --> 0:24:22.359
<v Speaker 2>you know, I need to have my savings on the

0:24:22.400 --> 0:24:25.400
<v Speaker 2>side to cushion that blow. So it's a good reminder

0:24:25.640 --> 0:24:28.520
<v Speaker 2>that you need to have at least a couple of

0:24:28.560 --> 0:24:32.240
<v Speaker 2>months worth of emergency savings set aside, and like the

0:24:32.280 --> 0:24:33.560
<v Speaker 2>best time to start is yesterday.

0:24:34.160 --> 0:24:37.399
<v Speaker 3>Yep, pretty simplar. I agree.

0:24:37.440 --> 0:24:40.920
<v Speaker 1>Also, I would say this then, knowing what one of

0:24:40.920 --> 0:24:44.439
<v Speaker 1>the biggest mistakes I made during the two thousand and

0:24:44.920 --> 0:24:49.040
<v Speaker 1>eight two thousand and nine. The session is that I

0:24:49.080 --> 0:24:52.080
<v Speaker 1>didn't adhere to my noodle budget faster like we talked

0:24:52.119 --> 0:24:53.040
<v Speaker 1>about it, I think last week.

0:24:53.119 --> 0:24:54.080
<v Speaker 3>I don't know if we talked about it.

0:24:54.080 --> 0:24:57.520
<v Speaker 1>But anyway, your noodle budget is your ramen noodle budget,

0:24:57.840 --> 0:25:02.639
<v Speaker 1>meaning that your lowest common denominator, what's the least amount

0:25:02.640 --> 0:25:05.080
<v Speaker 1>of money you could spend to maintain your life, so

0:25:05.119 --> 0:25:08.040
<v Speaker 1>that you only do that during extreme hardship like government

0:25:08.080 --> 0:25:11.080
<v Speaker 1>shutdown historically long, you know, So it's not something that

0:25:11.119 --> 0:25:14.159
<v Speaker 1>you do regularly unless you really can't afford life. So

0:25:14.960 --> 0:25:16.879
<v Speaker 1>I wish I would have, because what I did instead

0:25:17.080 --> 0:25:21.240
<v Speaker 1>was I continued my lifestyle, and I liked. I depleted

0:25:21.280 --> 0:25:25.479
<v Speaker 1>my savings to continue my lifestyle because I just knew

0:25:25.840 --> 0:25:27.880
<v Speaker 1>relief is coming around the corner. Relief is coming around

0:25:27.880 --> 0:25:30.479
<v Speaker 1>the corner, and so in the meantime I depleted my savings,

0:25:30.560 --> 0:25:31.440
<v Speaker 1>relief didn't come.

0:25:31.359 --> 0:25:32.000
<v Speaker 3>Around the corner.

0:25:32.840 --> 0:25:34.920
<v Speaker 1>I ended up spending all this money on a house

0:25:34.960 --> 0:25:37.680
<v Speaker 1>that I ended up losing anyway, like tens of thousands

0:25:37.720 --> 0:25:40.960
<v Speaker 1>of dollars, And I could have used that money to

0:25:41.040 --> 0:25:44.240
<v Speaker 1>set myself up more solidly someplace else. So if I

0:25:44.359 --> 0:25:47.680
<v Speaker 1>was in this position now knowing that February, Like he's

0:25:47.720 --> 0:25:51.080
<v Speaker 1>given you a date, so I would not be aggressively

0:25:51.080 --> 0:25:54.359
<v Speaker 1>paying down your debt. That what's really important right now

0:25:54.600 --> 0:25:56.720
<v Speaker 1>is having access to funds, So I'd be paying the

0:25:56.760 --> 0:26:01.639
<v Speaker 1>minimum to my credit cards, savings, safe saving, activating my

0:26:02.200 --> 0:26:05.200
<v Speaker 1>relative noodle budget like you know, so meaning like let's

0:26:05.200 --> 0:26:08.560
<v Speaker 1>cut some of these things down until after February fifteenth.

0:26:08.600 --> 0:26:10.800
<v Speaker 3>Then let's just see what happens, you know, because.

0:26:10.560 --> 0:26:12.160
<v Speaker 1>I would want, I want you to have more money

0:26:12.200 --> 0:26:14.480
<v Speaker 1>on hand, so all of a sudden that does happen again,

0:26:15.080 --> 0:26:18.800
<v Speaker 1>you have a little bit more space to breathe.

0:26:18.880 --> 0:26:20.639
<v Speaker 3>You know, That's what I would do, especially since you

0:26:20.680 --> 0:26:21.320
<v Speaker 3>know you have a date.

0:26:23.040 --> 0:26:25.639
<v Speaker 2>Yeah, one hundred percent, and you don't have to you know,

0:26:25.680 --> 0:26:27.920
<v Speaker 2>you don't have to let the big goal of a

0:26:27.960 --> 0:26:30.600
<v Speaker 2>few months worth of savings frighten you and make you

0:26:30.600 --> 0:26:32.439
<v Speaker 2>feel like you will never get there. Just start saving

0:26:32.480 --> 0:26:35.479
<v Speaker 2>something now, you know, something is better than nothing. You know,

0:26:35.560 --> 0:26:39.480
<v Speaker 2>I still to this day have an auto savings amount

0:26:39.560 --> 0:26:43.000
<v Speaker 2>that automatically get sent to my savings like at a minimum,

0:26:43.000 --> 0:26:45.440
<v Speaker 2>and then sometimes I add more on top of that.

0:26:45.960 --> 0:26:47.560
<v Speaker 2>But that just you know, that whole set it and

0:26:47.560 --> 0:26:51.200
<v Speaker 2>forget it thing is really crucial for my own success.

0:26:51.800 --> 0:26:53.919
<v Speaker 2>And she also talked and Tiff, you've mentioned that before

0:26:54.400 --> 0:26:57.480
<v Speaker 2>in terms of what happens when you don't have money

0:26:57.480 --> 0:27:00.200
<v Speaker 2>in the bank and you have all these compete eating

0:27:00.320 --> 0:27:05.600
<v Speaker 2>priorities like home, food, credit card bills, maybe utilities, things

0:27:05.640 --> 0:27:08.680
<v Speaker 2>like that, and how do you sort of prioritize when

0:27:08.680 --> 0:27:10.760
<v Speaker 2>there's just not enough in the bank to cover everything

0:27:10.760 --> 0:27:11.320
<v Speaker 2>all at once.

0:27:12.280 --> 0:27:17.280
<v Speaker 1>Honestly, well, you have to prioritize like your your basic necessities, right,

0:27:17.320 --> 0:27:20.080
<v Speaker 1>so food and someplace to live. And so for me,

0:27:20.280 --> 0:27:22.480
<v Speaker 1>I moved back home, but you might not have that option.

0:27:23.080 --> 0:27:24.560
<v Speaker 1>You know, you might not have the option to move

0:27:24.680 --> 0:27:27.720
<v Speaker 1>with your cousin or friend or whatever. So making sure

0:27:27.760 --> 0:27:31.520
<v Speaker 1>that one the money that you do have, that you

0:27:31.600 --> 0:27:34.399
<v Speaker 1>put it toward what's going to maintain basic life, Like

0:27:34.440 --> 0:27:36.879
<v Speaker 1>you have to have sheltered, you have to have food,

0:27:37.880 --> 0:27:39.840
<v Speaker 1>and you have to have like some sort of way

0:27:39.840 --> 0:27:40.360
<v Speaker 1>to get to work.

0:27:40.400 --> 0:27:43.080
<v Speaker 3>So maybe it's you know, I'm gonna be able.

0:27:42.960 --> 0:27:45.040
<v Speaker 1>To take the train to work, But so it might

0:27:45.119 --> 0:27:48.520
<v Speaker 1>mean credit cards don't get paid, it might mean Verizon

0:27:48.560 --> 0:27:51.160
<v Speaker 1>doesn't get paid. And I had to make that decision

0:27:51.400 --> 0:27:52.800
<v Speaker 1>that you guys are not gonna It was like the

0:27:52.840 --> 0:27:56.480
<v Speaker 1>hardest things I'd never not paid. I didn't have it,

0:27:56.520 --> 0:27:57.920
<v Speaker 1>so I was like, you're just not gonna get paid.

0:27:57.960 --> 0:28:01.359
<v Speaker 1>I have to pay the thing that like that sustained

0:28:01.640 --> 0:28:04.359
<v Speaker 1>basic life so I can live healthy. I have enough

0:28:04.359 --> 0:28:06.560
<v Speaker 1>food to you have a safe place to stay. And

0:28:06.600 --> 0:28:08.760
<v Speaker 1>then as I got myself on my feet, I went

0:28:08.840 --> 0:28:13.280
<v Speaker 1>back to like negotiate new terms to settle some things.

0:28:13.280 --> 0:28:16.680
<v Speaker 1>I mean, my credit score before the recession was eight

0:28:16.680 --> 0:28:19.000
<v Speaker 1>oh two, and then after it was all said and done,

0:28:19.040 --> 0:28:21.399
<v Speaker 1>I went down to a five forty seven, and I

0:28:21.440 --> 0:28:23.080
<v Speaker 1>was like, oh my gosh. So it took two years

0:28:23.080 --> 0:28:25.919
<v Speaker 1>to rebuild it back up to like a seven seven fifty. Now,

0:28:25.960 --> 0:28:28.600
<v Speaker 1>normally you don't it doesn't take as long, but I

0:28:28.640 --> 0:28:31.320
<v Speaker 1>had so many things it took two years. Because your

0:28:31.320 --> 0:28:34.080
<v Speaker 1>credit score is really an average of your choices. So

0:28:34.119 --> 0:28:37.080
<v Speaker 1>I had a lot of bad grades on my credit report,

0:28:37.119 --> 0:28:38.960
<v Speaker 1>and so it took a long time to build myself

0:28:39.040 --> 0:28:42.240
<v Speaker 1>back up. And now despite having a foreclosure and late

0:28:42.280 --> 0:28:44.320
<v Speaker 1>payments in the past, I'm back in the eight hundreds.

0:28:44.400 --> 0:28:46.560
<v Speaker 1>So I just say all that to say that sometimes

0:28:46.600 --> 0:28:48.280
<v Speaker 1>you have to make a decision of who is not

0:28:48.280 --> 0:28:50.600
<v Speaker 1>going to get any money. And one of the things

0:28:50.600 --> 0:28:52.760
<v Speaker 1>I did so I decided that my mortgage wasn't going

0:28:52.840 --> 0:28:54.280
<v Speaker 1>to get paid because I just didn't have it.

0:28:54.920 --> 0:28:56.800
<v Speaker 3>But I had enough for the rest of my bills.

0:28:56.960 --> 0:28:58.800
<v Speaker 1>I was on unemployment, so I said, okay, so, if

0:28:58.840 --> 0:29:01.400
<v Speaker 1>you're getting about two thousand a month, your mortgage is

0:29:01.440 --> 0:29:03.920
<v Speaker 1>sixteen hundred. The rest of your bills it's about sixteen

0:29:04.000 --> 0:29:06.240
<v Speaker 1>seventeen hundred. You're getting two thousand.

0:29:06.720 --> 0:29:07.880
<v Speaker 3>So guess what.

0:29:08.120 --> 0:29:10.440
<v Speaker 1>I'm not gonna pay my mortgage. I'll pay the minimum

0:29:10.520 --> 0:29:12.400
<v Speaker 1>to the rest of my bills. I'm gonna tell student

0:29:12.440 --> 0:29:14.480
<v Speaker 1>loans to kick rocks for a moment and put you

0:29:14.520 --> 0:29:17.960
<v Speaker 1>on the deferment. And this is how I'm going to

0:29:18.520 --> 0:29:21.080
<v Speaker 1>live until I get on my feet. And so, but

0:29:21.120 --> 0:29:23.120
<v Speaker 1>the mortgage company was brutal. They used to call me

0:29:23.160 --> 0:29:25.360
<v Speaker 1>every day, and it was so stressful until I found

0:29:25.400 --> 0:29:28.560
<v Speaker 1>a cease and assist letter. I straight googled it. I

0:29:28.600 --> 0:29:31.760
<v Speaker 1>went to the local staples and faxed them police. You're

0:29:31.800 --> 0:29:33.440
<v Speaker 1>no longer allowed to call me, and literally is just

0:29:33.560 --> 0:29:35.880
<v Speaker 1>a Google search for that that you can contact me

0:29:35.960 --> 0:29:38.719
<v Speaker 1>via email and be a letter because at least, you know,

0:29:38.760 --> 0:29:42.160
<v Speaker 1>you can kind of stop the constant pressing of like

0:29:42.160 --> 0:29:43.840
<v Speaker 1>I know I owe you, but to call me every

0:29:43.920 --> 0:29:46.280
<v Speaker 1>day it's too much, and so you're able to do

0:29:46.360 --> 0:29:48.560
<v Speaker 1>that as well. Just because you owe someone doesn't mean

0:29:48.640 --> 0:29:51.120
<v Speaker 1>they have the right to harass you, you know. I mean,

0:29:51.160 --> 0:29:53.520
<v Speaker 1>you're you know, but obviously you're you're wanting to pay,

0:29:53.560 --> 0:29:56.000
<v Speaker 1>you just don't have it. And so, like I said,

0:29:56.040 --> 0:29:59.160
<v Speaker 1>eventually you know, they stop because by law they have to.

0:29:59.520 --> 0:30:02.840
<v Speaker 1>If you said to cease and desist letter and then eventually,

0:30:02.880 --> 0:30:04.880
<v Speaker 1>you know, I work why it wasn't even able to

0:30:04.880 --> 0:30:05.400
<v Speaker 1>work something out.

0:30:05.440 --> 0:30:06.240
<v Speaker 3>They just took the house.

0:30:08.440 --> 0:30:10.960
<v Speaker 2>Yeah, so I think it's I mean, it's there's so

0:30:11.040 --> 0:30:13.920
<v Speaker 2>many ways to answer that question, and like how you prioritize,

0:30:13.920 --> 0:30:16.480
<v Speaker 2>but sometimes things have to fall to the wayside and

0:30:16.520 --> 0:30:20.640
<v Speaker 2>you just have to be prepared for the repercussions when

0:30:20.680 --> 0:30:24.240
<v Speaker 2>they do, until you're able to get back on track. Yeah,

0:30:24.680 --> 0:30:28.280
<v Speaker 2>but that emergency fund will save you a million times,

0:30:28.400 --> 0:30:29.960
<v Speaker 2>I mean, if as long as you replenish it, but

0:30:30.040 --> 0:30:32.760
<v Speaker 2>keep you know, make that a priority starting now. Like

0:30:32.800 --> 0:30:35.440
<v Speaker 2>you said, you have as a as a DoD employees

0:30:35.480 --> 0:30:38.040
<v Speaker 2>that you have until the end of September before the

0:30:38.120 --> 0:30:41.280
<v Speaker 2>chance of a shutdown for you guys comes up again.

0:30:41.360 --> 0:30:43.600
<v Speaker 2>So make that your mission for the next However, many

0:30:43.680 --> 0:30:47.480
<v Speaker 2>what is that eight months to really shore up those

0:30:48.160 --> 0:30:50.360
<v Speaker 2>those defenses of your own because that's like I mean,

0:30:50.400 --> 0:30:52.920
<v Speaker 2>I call it my freedom fund because you're free. You're

0:30:52.960 --> 0:30:55.160
<v Speaker 2>free to make choices, You're free to do what you

0:30:55.200 --> 0:30:58.280
<v Speaker 2>want to do when you're not tied to that bi

0:30:58.280 --> 0:30:59.120
<v Speaker 2>weekly paycheck.

0:31:01.440 --> 0:31:01.960
<v Speaker 3>I love that.

0:31:03.000 --> 0:31:04.200
<v Speaker 2>Thanks for your question, Alana.

0:31:04.840 --> 0:31:07.800
<v Speaker 3>Mm hmm. Next question, let's.

0:31:07.600 --> 0:31:11.120
<v Speaker 2>See, Okay, we'll call this listener Susan. Susan has a

0:31:11.200 --> 0:31:15.000
<v Speaker 2>question about her scholarship money that she's getting for college.

0:31:15.480 --> 0:31:17.800
<v Speaker 2>She says, I've been listening since I've listened to the

0:31:17.800 --> 0:31:20.440
<v Speaker 2>podcast since my freshman year of college, and I'm in

0:31:20.480 --> 0:31:23.120
<v Speaker 2>a far better financial standing because of your knowledge. Meh,

0:31:23.120 --> 0:31:25.880
<v Speaker 2>thank you. I'm now a junior and have been filing

0:31:25.920 --> 0:31:28.720
<v Speaker 2>my taxes is twenty sixteen because I work. While I

0:31:28.720 --> 0:31:31.680
<v Speaker 2>have a scholarship for my university. I also have outside

0:31:31.680 --> 0:31:33.840
<v Speaker 2>scholarships to help me with room and board cost as

0:31:33.840 --> 0:31:36.480
<v Speaker 2>well as books. Are these things I should be listening

0:31:36.520 --> 0:31:38.960
<v Speaker 2>on my taxes? If so, how can I go back

0:31:39.000 --> 0:31:41.800
<v Speaker 2>and file for those in previous years? I never received

0:31:41.800 --> 0:31:45.320
<v Speaker 2>tax documents from these organizations just to checks themselves, so

0:31:45.360 --> 0:31:48.440
<v Speaker 2>I'm not sure what I should file. Any advice you have.

0:31:48.720 --> 0:31:52.240
<v Speaker 2>Can any advice you can provide will be much appreciated,

0:31:52.400 --> 0:31:58.200
<v Speaker 2>Susan good question. Yes, that's a question that has you know,

0:31:58.240 --> 0:32:00.680
<v Speaker 2>it really depends on what you're going to be using

0:32:00.680 --> 0:32:03.080
<v Speaker 2>the scholarship money for. And as so long as you're

0:32:03.120 --> 0:32:07.040
<v Speaker 2>getting these scholarships and you're using the money for edub god,

0:32:07.080 --> 0:32:12.240
<v Speaker 2>I can't use English words today. Eligible education expenses like

0:32:12.240 --> 0:32:15.560
<v Speaker 2>you said, you're using room and board and books, they

0:32:15.560 --> 0:32:19.080
<v Speaker 2>shouldn't be taxable. They should be non taxable. If you're worried,

0:32:19.160 --> 0:32:21.320
<v Speaker 2>you can always reach out to a tax preparer to

0:32:21.360 --> 0:32:24.400
<v Speaker 2>get their opinion. In my opinion, if you haven't gotten

0:32:24.480 --> 0:32:27.080
<v Speaker 2>any sort of tax form from those organizations, it probably

0:32:27.120 --> 0:32:29.640
<v Speaker 2>is a good indication that there's nothing for you to

0:32:29.640 --> 0:32:34.680
<v Speaker 2>worry about. And certainly, like in school tuition scholarships, those

0:32:34.680 --> 0:32:38.000
<v Speaker 2>are non taxable. You don't have to worry. The only

0:32:38.000 --> 0:32:39.800
<v Speaker 2>time you have to worry when it comes to like

0:32:40.320 --> 0:32:46.640
<v Speaker 2>college funds that can be taxable is let's say you

0:32:46.840 --> 0:32:50.640
<v Speaker 2>have student loan debt forgiven. Then in some cases that

0:32:50.720 --> 0:32:53.440
<v Speaker 2>can be they can consider the amount that was forgiven

0:32:53.480 --> 0:32:55.280
<v Speaker 2>as income and then you can get taxed on that.

0:32:55.400 --> 0:32:58.720
<v Speaker 2>But that doesn't sound like what you're dealing with now,

0:32:58.760 --> 0:33:01.360
<v Speaker 2>and I don't know if to add Tiffany, but I can.

0:33:01.640 --> 0:33:03.240
<v Speaker 2>I'll share a link to a story we have on

0:33:03.280 --> 0:33:06.440
<v Speaker 2>student loan hero dot com, which is really solid and

0:33:06.480 --> 0:33:09.560
<v Speaker 2>has more details on sort of how the I r

0:33:09.680 --> 0:33:11.000
<v Speaker 2>S looks at scholarships.

0:33:12.520 --> 0:33:14.600
<v Speaker 1>No, honestly, that's not my forte. I was gonna say,

0:33:14.600 --> 0:33:17.240
<v Speaker 1>I never heard of them. That that would be crazy,

0:33:18.720 --> 0:33:21.320
<v Speaker 1>So I'm gonna file your lead on that one. But yeah,

0:33:21.360 --> 0:33:23.280
<v Speaker 1>that would be creazy. That's because I've known people who've

0:33:23.280 --> 0:33:25.840
<v Speaker 1>gotten like hundreds of thousands of dollars in scholarships.

0:33:25.880 --> 0:33:26.640
<v Speaker 3>Definitely forgiveness.

0:33:26.680 --> 0:33:28.840
<v Speaker 1>I knew that, but like, that would be crazy if

0:33:28.840 --> 0:33:31.880
<v Speaker 1>the government was like remember the year when they made.

0:33:31.720 --> 0:33:35.320
<v Speaker 3>Swag for celebrities tax taxable like income.

0:33:35.400 --> 0:33:39.400
<v Speaker 2>Oh yeah, that was like wow, fair enough, Okay, fair enough.

0:33:40.080 --> 0:33:41.720
<v Speaker 1>So I was like, you know, I mean, but I mean,

0:33:41.920 --> 0:33:43.520
<v Speaker 1>that would be crazy. But let's just say I would

0:33:43.560 --> 0:33:45.440
<v Speaker 1>never put it past them, So you know, we'll see.

0:33:45.760 --> 0:33:48.800
<v Speaker 2>One thing that happened to me real quick in school

0:33:48.880 --> 0:33:50.880
<v Speaker 2>is I did win an award like a journalist, a

0:33:50.880 --> 0:33:54.000
<v Speaker 2>student journalism award that came with some money, and I

0:33:54.040 --> 0:33:58.400
<v Speaker 2>got a tax form to account for that award. On

0:33:58.520 --> 0:34:01.640
<v Speaker 2>my taxes, which was fair because I didn't. It wasn't

0:34:01.680 --> 0:34:03.520
<v Speaker 2>money that I was supposed to use or went directly

0:34:03.560 --> 0:34:05.200
<v Speaker 2>to my school. I think I used it on like

0:34:05.240 --> 0:34:06.600
<v Speaker 2>a vacation or something.

0:34:07.720 --> 0:34:08.839
<v Speaker 1>So mm hmm.

0:34:10.239 --> 0:34:12.200
<v Speaker 2>But on the on the bright side, if you're in college,

0:34:12.400 --> 0:34:14.440
<v Speaker 2>you should still be filing your taxes even if you

0:34:14.440 --> 0:34:16.799
<v Speaker 2>don't think that you're gonna get a refund, because I

0:34:16.840 --> 0:34:18.680
<v Speaker 2>made that mistake when I was in school. I never

0:34:18.719 --> 0:34:20.480
<v Speaker 2>filed my taxes because I was like, well, I'm not

0:34:20.480 --> 0:34:23.480
<v Speaker 2>even earning that much money. There's no way that you

0:34:23.480 --> 0:34:25.360
<v Speaker 2>know I'm going to get a refund back. But I

0:34:25.360 --> 0:34:27.400
<v Speaker 2>should have been filing at the very least, because I

0:34:27.440 --> 0:34:30.280
<v Speaker 2>could have gotten back the tax I was paying taxes

0:34:30.320 --> 0:34:33.160
<v Speaker 2>out on my paycheck, So the federal tax dollars that

0:34:33.200 --> 0:34:36.960
<v Speaker 2>you're you're paying with your paycheck, they could that could

0:34:37.040 --> 0:34:39.759
<v Speaker 2>end up being a refund back to you. If if

0:34:39.840 --> 0:34:41.719
<v Speaker 2>it's true like I was, you know, not getting paid

0:34:41.760 --> 0:34:45.200
<v Speaker 2>enough to really earn to to be tax at all.

0:34:46.120 --> 0:34:48.080
<v Speaker 2>So I missed out on some tax refund money.

0:34:48.880 --> 0:34:50.680
<v Speaker 3>Ah, and you probably needed it the most back then.

0:34:51.000 --> 0:34:52.920
<v Speaker 2>I sure did, But let's not talking about my I

0:34:53.480 --> 0:34:55.200
<v Speaker 2>went back and looked at like how much I earned

0:34:55.200 --> 0:34:58.120
<v Speaker 2>and in high school and in college or working part time,

0:34:58.160 --> 0:35:00.080
<v Speaker 2>and I'm like, where did that money go though? Like

0:35:00.560 --> 0:35:02.839
<v Speaker 2>it was fifteen thousand dollars or something like that.

0:35:02.880 --> 0:35:06.200
<v Speaker 3>Crazy, I think, what do I have a new life

0:35:06.239 --> 0:35:06.880
<v Speaker 3>to show for it?

0:35:06.880 --> 0:35:08.680
<v Speaker 1>Don't you just think back and you're like, uh, I

0:35:08.680 --> 0:35:11.200
<v Speaker 1>can just only imagine how many thousands and thousands of

0:35:11.239 --> 0:35:16.320
<v Speaker 1>dollars like that, like Wendy's and McDonald's and Joyce Leslie.

0:35:16.400 --> 0:35:19.000
<v Speaker 3>Nagles out of my my little fingers, they.

0:35:18.880 --> 0:35:20.600
<v Speaker 2>Have Zaxby's up here, yet I don't think they do.

0:35:21.239 --> 0:35:22.719
<v Speaker 3>No, I never heard of that. Is that like a

0:35:22.800 --> 0:35:23.520
<v Speaker 3>Joyce Leslie.

0:35:23.960 --> 0:35:26.680
<v Speaker 2>I don't know what that is, but that's like the

0:35:26.760 --> 0:35:29.160
<v Speaker 2>cheapy like it's like Joyce Leslie.

0:35:29.239 --> 0:35:31.640
<v Speaker 3>What, Yeah, I know it's a it's a cheapy like

0:35:31.719 --> 0:35:32.440
<v Speaker 3>clothing store.

0:35:32.880 --> 0:35:35.320
<v Speaker 2>Oh No, Zaxby's is the fried chicken spot that we

0:35:35.320 --> 0:35:36.560
<v Speaker 2>would hit up after school.

0:35:37.000 --> 0:35:39.680
<v Speaker 3>Mmmm that you just called back the chicken the chicken

0:35:39.719 --> 0:35:40.359
<v Speaker 3>shack up here?

0:35:40.760 --> 0:35:44.520
<v Speaker 2>Yeah? Well, thank y'all for your questions again. Hit us

0:35:44.600 --> 0:35:47.840
<v Speaker 2>up at Brannabission Podcast at gmail dot com with your questions.

0:36:01.080 --> 0:36:04.719
<v Speaker 1>It's time for boost a boost and every boost in

0:36:04.719 --> 0:36:06.400
<v Speaker 1>a break.

0:36:07.160 --> 0:36:08.080
<v Speaker 3>I've been the boosts.

0:36:08.160 --> 0:36:10.439
<v Speaker 2>What about you, Managra, I'm gonna do a boost too

0:36:11.120 --> 0:36:12.240
<v Speaker 2>quick boost.

0:36:12.719 --> 0:36:13.640
<v Speaker 3>Do you want to go first?

0:36:13.880 --> 0:36:15.880
<v Speaker 2>Let me go first. Mine's really quick. I want to

0:36:15.880 --> 0:36:19.040
<v Speaker 2>do a quick boost to the classic film, uh, nine

0:36:19.040 --> 0:36:22.760
<v Speaker 2>to five, which I know Tiff always teaches me about

0:36:22.800 --> 0:36:26.640
<v Speaker 2>not being up on my historical pop culture knowledge from

0:36:26.640 --> 0:36:30.080
<v Speaker 2>the eighties, but I must say, I I've loved like

0:36:30.400 --> 0:36:33.160
<v Speaker 2>Grace and Frankie so much. Like I didn't know a

0:36:33.239 --> 0:36:36.799
<v Speaker 2>show about two old ladies left by their husbands who

0:36:37.320 --> 0:36:39.520
<v Speaker 2>found out that they were gay and you know, in

0:36:39.560 --> 0:36:41.959
<v Speaker 2>a relationship together for decades. I didn't know it would

0:36:41.960 --> 0:36:44.560
<v Speaker 2>be so good, but I love the show is so funny,

0:36:44.640 --> 0:36:48.440
<v Speaker 2>and like Lily Tomlin, who plays Frankie was Miss Frizzle,

0:36:48.680 --> 0:36:51.080
<v Speaker 2>who I didn't make that connection until I started googling

0:36:51.120 --> 0:36:52.879
<v Speaker 2>her after Grace and Frankie, and I was like, Miss

0:36:52.960 --> 0:36:54.720
<v Speaker 2>Frizzles has a loop company.

0:36:54.719 --> 0:36:55.360
<v Speaker 3>It's amazing.

0:36:55.840 --> 0:36:58.680
<v Speaker 2>And Miss Frizzle like makes old people vibrators is awesome.

0:36:59.239 --> 0:37:02.080
<v Speaker 2>So I decided to go back and watch like their

0:37:02.160 --> 0:37:04.560
<v Speaker 2>very first film they did together, which was nine to five,

0:37:04.680 --> 0:37:07.920
<v Speaker 2>which you know, with Dolly Parton, Jane Fonda, Lily Tomlin.

0:37:08.239 --> 0:37:11.640
<v Speaker 2>It's about three like middle aged women who are basically

0:37:11.680 --> 0:37:16.080
<v Speaker 2>office secretaries. And I got to say it, it's sad

0:37:16.200 --> 0:37:19.600
<v Speaker 2>but true and kind of awesome, but mostly sad that

0:37:19.680 --> 0:37:23.279
<v Speaker 2>the movie is still so damn relevant, Like, I mean,

0:37:23.320 --> 0:37:26.160
<v Speaker 2>this guy could have been named Harvey, essentially their boss

0:37:26.160 --> 0:37:27.600
<v Speaker 2>in the in the movie. I mean, it's really funny

0:37:27.600 --> 0:37:30.239
<v Speaker 2>and fantastical, but shout out to them for making that

0:37:30.280 --> 0:37:33.600
<v Speaker 2>movie in the in the early eighties. I don't think

0:37:33.640 --> 0:37:35.480
<v Speaker 2>there's anything like that even now.

0:37:35.600 --> 0:37:39.480
<v Speaker 3>So it was dope. And I is that all the

0:37:39.520 --> 0:37:46.080
<v Speaker 3>song working now? Too bad? Yeah?

0:37:46.160 --> 0:37:50.200
<v Speaker 2>Yeah, Dolly, I'll learn the words eventually. But you can

0:37:50.239 --> 0:37:52.640
<v Speaker 2>watch that yourself on Hulu if you have Hulu. That's

0:37:52.640 --> 0:37:54.120
<v Speaker 2>where I found it. Good stuff.

0:37:54.719 --> 0:37:56.400
<v Speaker 3>Yeah, I'm like Dolly Parton.

0:37:57.120 --> 0:37:59.960
<v Speaker 1>There's actually a really good movie on Netflix which called

0:38:00.440 --> 0:38:01.560
<v Speaker 1>where It's like The good Man.

0:38:02.440 --> 0:38:06.120
<v Speaker 3>Wasn't it so good? It was? It was? I really

0:38:06.160 --> 0:38:06.640
<v Speaker 3>liked it. It was.

0:38:06.760 --> 0:38:08.240
<v Speaker 1>It was one of those I can't go to sleep,

0:38:08.280 --> 0:38:10.600
<v Speaker 1>so I want like something really sweet to wear before

0:38:10.640 --> 0:38:12.600
<v Speaker 1>I go to sleep, so I'm sleep to watch and

0:38:12.640 --> 0:38:13.279
<v Speaker 1>so it was so good.

0:38:13.280 --> 0:38:15.520
<v Speaker 3>If you haven't watch Dumpling on Netflix, you're missing out

0:38:15.680 --> 0:38:19.480
<v Speaker 3>big beautiful Yes, let's say yes.

0:38:19.880 --> 0:38:23.640
<v Speaker 1>All right, So my boost actually is posted on our

0:38:23.680 --> 0:38:28.840
<v Speaker 1>IG page. If you're not familiar, Get Familiar Brown Ambition podcasts,

0:38:28.920 --> 0:38:29.839
<v Speaker 1>you can find us on IG.

0:38:30.960 --> 0:38:32.080
<v Speaker 3>So let's see.

0:38:32.120 --> 0:38:36.640
<v Speaker 1>So there's an article by the Washington Post the Secret

0:38:36.760 --> 0:38:41.360
<v Speaker 1>success for Women. A new study advises that don't network

0:38:41.400 --> 0:38:43.719
<v Speaker 1>like a man. So in the study, they found that

0:38:43.840 --> 0:38:48.320
<v Speaker 1>seventy seven percent of the highest achieving women had strong

0:38:48.440 --> 0:38:51.520
<v Speaker 1>ties with an inner circle of two to three other women.

0:38:51.960 --> 0:38:55.080
<v Speaker 1>The lowest achieving women had a male dominant network and

0:38:55.160 --> 0:38:58.080
<v Speaker 1>weaker ties with other women in their network. So you

0:38:58.120 --> 0:39:02.879
<v Speaker 1>know what that means. It means a girl power is everything.

0:39:03.800 --> 0:39:05.200
<v Speaker 1>And so I can attest to that, like, you know,

0:39:05.280 --> 0:39:11.640
<v Speaker 1>like my closest network really is women and we lean on.

0:39:11.600 --> 0:39:14.080
<v Speaker 3>Each other and you know, we we help each other out.

0:39:14.120 --> 0:39:16.959
<v Speaker 1>And so no, I think that that's just awesome because

0:39:16.960 --> 0:39:18.960
<v Speaker 1>you know, like they would have you believe that in

0:39:19.040 --> 0:39:20.919
<v Speaker 1>order to get ahead you have to kind of like think,

0:39:21.000 --> 0:39:25.640
<v Speaker 1>maneuver and connect yourself with men more so than women.

0:39:25.760 --> 0:39:28.640
<v Speaker 3>So it's nice to know that that's not true.

0:39:28.800 --> 0:39:30.520
<v Speaker 2>Yeah, one hundred percent. I think we talked about that

0:39:30.560 --> 0:39:34.279
<v Speaker 2>a lot, but I feel like, yeah, I mean, there

0:39:34.360 --> 0:39:36.680
<v Speaker 2>is the assumption that to get ahead you have to

0:39:36.680 --> 0:39:38.600
<v Speaker 2>be a certain way. But I just I found this

0:39:38.719 --> 0:39:42.239
<v Speaker 2>so motivating because it's what I've been, It's what I've

0:39:42.280 --> 0:39:45.000
<v Speaker 2>just naturally always done, which is gravitate toward a small

0:39:45.040 --> 0:39:49.839
<v Speaker 2>circle of women, professional women, you know, personal relationships with women.

0:39:49.920 --> 0:39:51.799
<v Speaker 2>I just always have been more inclined to have a

0:39:51.800 --> 0:39:55.400
<v Speaker 2>few really good relationships versus having a million associates and

0:39:55.480 --> 0:39:57.480
<v Speaker 2>like getting coffee with people every day and that kind

0:39:57.480 --> 0:40:00.360
<v Speaker 2>of thing. And it was just really me. It just

0:40:00.400 --> 0:40:02.480
<v Speaker 2>be like, Okay, I'm doing okay. And I think one

0:40:02.480 --> 0:40:05.520
<v Speaker 2>of the reasons is that the quality of my relationship

0:40:05.640 --> 0:40:09.399
<v Speaker 2>relationships with women in my circles is so strong. And

0:40:09.800 --> 0:40:12.479
<v Speaker 2>you don't know where the people you know you're hanging

0:40:12.520 --> 0:40:14.920
<v Speaker 2>out within college you're going to end up. So to

0:40:15.080 --> 0:40:18.120
<v Speaker 2>really invest in those relationships early, it's like a form

0:40:18.160 --> 0:40:20.680
<v Speaker 2>of investing, you know, I will say, like an investment

0:40:21.520 --> 0:40:24.759
<v Speaker 2>because as they rise, hopefully if you have good relationships,

0:40:24.800 --> 0:40:27.960
<v Speaker 2>they will want to rise help you rise too, or

0:40:28.120 --> 0:40:30.319
<v Speaker 2>in turn, like you can be the one helping them,

0:40:30.440 --> 0:40:32.319
<v Speaker 2>and then that may pay dividends. You know, I don't

0:40:32.320 --> 0:40:33.960
<v Speaker 2>know where I'll be a decade from now. Maybe I'll

0:40:34.000 --> 0:40:35.840
<v Speaker 2>be out of a job and then I'm like, hey, Tiffany, like,

0:40:35.880 --> 0:40:37.839
<v Speaker 2>I need, you know, can I be the you know,

0:40:38.080 --> 0:40:41.800
<v Speaker 2>the whatever at the budget needs to ink and hopefully

0:40:41.880 --> 0:40:44.160
<v Speaker 2>she give me a job. But that those types of

0:40:44.160 --> 0:40:47.560
<v Speaker 2>relationships means so so much. You were very quiet when

0:40:47.600 --> 0:40:50.080
<v Speaker 2>I said I'm very qualified.

0:40:50.640 --> 0:40:52.680
<v Speaker 3>I'm going to review your resume because you know I'm not.

0:40:52.760 --> 0:40:54.839
<v Speaker 3>Really you were too quiet.

0:40:56.080 --> 0:40:56.800
<v Speaker 2>Still his wedding.

0:40:57.160 --> 0:40:58.239
<v Speaker 3>Yeah, honestly, I was looking.

0:40:58.239 --> 0:40:59.520
<v Speaker 1>I was like, oh, I was looking at all the

0:40:59.560 --> 0:41:02.319
<v Speaker 1>awesome responses under the picture. Honestly, I really love when

0:41:02.360 --> 0:41:05.160
<v Speaker 1>you guys hit us up on social and so, yeah,

0:41:05.200 --> 0:41:08.279
<v Speaker 1>our Instagram is brown and yeah Brown Ambition Podcast. So

0:41:08.640 --> 0:41:10.759
<v Speaker 1>please continue that. We love when you hit us up

0:41:10.800 --> 0:41:13.160
<v Speaker 1>there because it just makes us realize that, you know,

0:41:13.239 --> 0:41:16.400
<v Speaker 1>there's a community out there. Sometimes, you know, most times, honestly,

0:41:16.480 --> 0:41:18.319
<v Speaker 1>it's just me and Mandy talking. Sometimes we have to

0:41:18.320 --> 0:41:21.120
<v Speaker 1>forget and we're like, wait, we should start recording, you know,

0:41:22.280 --> 0:41:23.960
<v Speaker 1>because you know, we were friends in real life, and

0:41:24.000 --> 0:41:27.000
<v Speaker 1>so it's just nice to know that we have other friends.

0:41:27.000 --> 0:41:28.640
<v Speaker 1>I can't I didn't even tell you, Mandy. Like the

0:41:28.680 --> 0:41:30.680
<v Speaker 1>other day, I was, I met with dream Catchers in

0:41:30.680 --> 0:41:33.120
<v Speaker 1>New York to just go hang out. And a friend

0:41:33.120 --> 0:41:37.839
<v Speaker 1>of mine has a a a business, a juice kind

0:41:37.880 --> 0:41:40.560
<v Speaker 1>of like I guess a juice restaurant, juicing restaurant, healthy restaurants,

0:41:40.640 --> 0:41:44.120
<v Speaker 1>Moodie restaurant. And so one friend gave me this idea

0:41:44.160 --> 0:41:46.640
<v Speaker 1>that you make a run on black businesses, so you

0:41:46.760 --> 0:41:49.000
<v Speaker 1>basically call all of your friends and say, hey, we're

0:41:49.000 --> 0:41:51.319
<v Speaker 1>going to support this business today. So we did that

0:41:51.360 --> 0:41:52.840
<v Speaker 1>with the Dream Catches in New York. It was like

0:41:52.880 --> 0:41:56.359
<v Speaker 1>fifty women came to this juice bar and.

0:41:56.200 --> 0:41:58.760
<v Speaker 3>We all ordered like you know, juice or salad or whatever.

0:41:58.800 --> 0:42:01.719
<v Speaker 1>It just gave her a lot of business exposure and

0:42:01.760 --> 0:42:02.839
<v Speaker 1>then we just got to hang out.

0:42:02.880 --> 0:42:05.280
<v Speaker 3>And so one of the women was like, I'm gonna give.

0:42:05.120 --> 0:42:05.640
<v Speaker 1>You a hug.

0:42:05.840 --> 0:42:08.239
<v Speaker 3>This is for Mandy. I know you don't hug, but

0:42:08.480 --> 0:42:10.239
<v Speaker 3>Mandy dads and I just thought like, oh, I just

0:42:10.440 --> 0:42:10.719
<v Speaker 3>love it.

0:42:11.239 --> 0:42:15.560
<v Speaker 2>I know that that's how they get you.

0:42:16.400 --> 0:42:19.000
<v Speaker 1>So like, I just love that you guys do that that,

0:42:19.120 --> 0:42:21.120
<v Speaker 1>Like when you see me out that you're like tell Manby,

0:42:21.120 --> 0:42:23.799
<v Speaker 1>I said, Hi, give me Mandy hug. Sorry, girl, you

0:42:23.800 --> 0:42:25.759
<v Speaker 1>just gonna have to pass it on through. So it

0:42:25.840 --> 0:42:27.359
<v Speaker 1>just makes me feel really good to know that we've

0:42:27.360 --> 0:42:30.280
<v Speaker 1>got this dope listenership that you guys have been writing

0:42:30.400 --> 0:42:32.120
<v Speaker 1>with us for like over three years now.

0:42:32.080 --> 0:42:33.760
<v Speaker 2>Right, Yeah, it's kind of crazy.

0:42:34.000 --> 0:42:36.440
<v Speaker 1>I know, like literally, I remember when we went on

0:42:36.520 --> 0:42:39.560
<v Speaker 1>our first little you know, rendezvous walk in New New

0:42:39.640 --> 0:42:41.239
<v Speaker 1>Orleans and getting.

0:42:40.920 --> 0:42:42.400
<v Speaker 3>To know each other like hey, hey, how you do?

0:42:42.520 --> 0:42:44.440
<v Speaker 3>Not good? And then next thing, you know, we have

0:42:44.480 --> 0:42:45.560
<v Speaker 3>a podcasts.

0:42:46.239 --> 0:42:49.840
<v Speaker 2>Just two women making something happen. I know. Let me,

0:42:50.440 --> 0:42:52.560
<v Speaker 2>let's read some of the comments from our listeners, like

0:42:52.600 --> 0:42:52.920
<v Speaker 2>on the.

0:42:52.880 --> 0:42:54.880
<v Speaker 3>Post, Yeah, let's to do that. My bad, I was

0:42:54.920 --> 0:42:55.600
<v Speaker 3>supposed to do that.

0:42:56.480 --> 0:42:58.160
<v Speaker 2>I'm just help. I'm just helping you.

0:42:58.640 --> 0:43:02.000
<v Speaker 3>Back to mother, all right.

0:43:02.120 --> 0:43:08.680
<v Speaker 1>So, Tatuiana neck One says, Lately, everything I do goes

0:43:09.320 --> 0:43:12.359
<v Speaker 1>to tell me how important my circle is. I've gone

0:43:12.360 --> 0:43:14.520
<v Speaker 1>through so many years either with no circle or the

0:43:14.560 --> 0:43:17.440
<v Speaker 1>wrong circle. I'm working on myself and my new circle

0:43:17.440 --> 0:43:20.279
<v Speaker 1>of friends and business associates. I want my network to

0:43:20.320 --> 0:43:23.800
<v Speaker 1>be beneficial and prosperous for each of us in the circle.

0:43:24.280 --> 0:43:27.279
<v Speaker 1>Thank you for this information. It definitely explains a lot.

0:43:27.320 --> 0:43:30.399
<v Speaker 1>Oh that's awesome, Tatiana. So yeah, I mean you guys,

0:43:30.480 --> 0:43:32.799
<v Speaker 1>that's really awesome comments you attacking your friends in this

0:43:32.880 --> 0:43:35.360
<v Speaker 1>saying that I feel like you do this already. I

0:43:35.360 --> 0:43:38.080
<v Speaker 1>see this old just flashes like I love this. That's

0:43:38.120 --> 0:43:41.040
<v Speaker 1>how we will make it all happen. So yeah, it's

0:43:41.120 --> 0:43:45.600
<v Speaker 1>just been Yeah, it's just I just love the response

0:43:45.680 --> 0:43:49.200
<v Speaker 1>to this post, and just keeping in mind that you don't.

0:43:48.960 --> 0:43:51.840
<v Speaker 3>Have to be less woman in order to be successful.

0:43:51.840 --> 0:43:54.200
<v Speaker 1>As a matter of fact, the more woman you are,

0:43:54.760 --> 0:43:58.480
<v Speaker 1>meaning like standing in how you show up, the more

0:43:58.520 --> 0:43:59.680
<v Speaker 1>successful you're likely to be.

0:44:00.040 --> 0:44:02.719
<v Speaker 2>Yeah, well, thank y'all. On the Instagram, you can hit

0:44:02.800 --> 0:44:05.880
<v Speaker 2>us up. It's at Brown Ambition Podcast on the Gram

0:44:06.239 --> 0:44:08.480
<v Speaker 2>and on Twitter we are at the BA podcast. We're

0:44:08.520 --> 0:44:10.000
<v Speaker 2>also on Facebook, so.

0:44:10.080 --> 0:44:12.359
<v Speaker 1>Yeah, Brown and Bishing on Facebook, so we ch out.

0:44:12.440 --> 0:44:14.520
<v Speaker 1>We love to hear me, y'all. We love Y'allparobo.

0:44:15.480 --> 0:44:21.280
<v Speaker 2>You guys are all right. I'd hug you on the street.

0:44:22.120 --> 0:44:23.319
<v Speaker 3>Yeah, exactly, she woulded.

0:44:23.360 --> 0:44:25.200
<v Speaker 1>I would often the stand beside and wave and be like,

0:44:25.200 --> 0:44:26.560
<v Speaker 1>please don't touch you now.

0:44:26.719 --> 0:44:28.920
<v Speaker 3>I mean I would hug, but you know, under Durest