Speaker 1: Hey, hey, hey, we're black, we're black, We're brown.
Speaker 2: It's Tiffany, except y'all it's Mandy.
Speaker 3: Yes, I've got some shady news, mandra.
Speaker 2: Oh please share. Let's kick it off with shade.
Speaker 1: Yes, because you know, but it's like good shade, you know,
Speaker 1: when bad things happen to bad people. I mean, I'm sorry, Jesus,
Speaker 1: just take a moment. Just give me a moment, so
Speaker 1: if you might, you might know if you follow the
Speaker 1: budgetista that.
Speaker 2: Haven't heard of her, have no idea what you're talking about.
Speaker 1: Well, the infamous start of the brand was like a
Speaker 1: really bad time. So right before the recession, young vigeanista myself,
Speaker 1: I made the extremely poor choice to trust who was
Speaker 1: a friend of mine with like how do you invest?
Speaker 1: Because back then, you know, when you're like in your
Speaker 1: early twenties, you think that if someone has a nice car,
Speaker 1: in a nice apartment and all, like.
Speaker 3: Really not like Ferrari all that stuff.
Speaker 1: I really thought that that meant he actually had money.
Speaker 1: You know, he was like in his thirties and I
Speaker 1: was in my early twenties. I was like, Wow, he's
Speaker 1: got money. Let's call him Bob. Bob's got money, you know,
Speaker 1: and so I'd bought. I just bought a house, and
Speaker 1: I was saving. I was doing all the right things,
Speaker 1: and I said, I want to learn how to invest
Speaker 1: outside of I had money in my retirement account. I
Speaker 1: was setting outside that, but I had excess money, and
Speaker 1: I was like, what do I do with this excess money?
Speaker 1: I want to learn how to invest. You know who's
Speaker 1: independently wealthy, Bob. So I reached out to Bob and
Speaker 1: I had sucker written all over my face.
Speaker 2: Oh man, you went to him.
Speaker 3: Yes, So long story, very very very short.
Speaker 1: I ended up in twenty five thousand, no, twenty five
Speaker 1: to thirty thousand, well, twenty five thousand dollars in debt.
Speaker 1: I took money off of a credit card because we
Speaker 1: were invested, and put it back. I mean, I didn't
Speaker 1: even know you could take money off a credit card,
Speaker 1: so he convinced me to do so.
Speaker 3: Meanwhile, back then I had no credit card debt.
Speaker 1: I used to use like one card to like pay
Speaker 1: for gas and just paid off three month, so I
Speaker 1: wasn't even familiar. And by then too, I had paid
Speaker 1: off my my undergrad student loan debt because it wasn't much.
Speaker 3: I commuted from home. And my parents helped out.
Speaker 1: And so maybe I had like five thousand dollars an
Speaker 1: undergrad debt, so I paid that off, and I think
Speaker 1: I was still in grad school, so I didn't have
Speaker 1: I was accumulating my master's debt, but I didn't like
Speaker 1: have it have it yet. So anyway, I was basically,
Speaker 1: you know, pretty good. I had a home, and so
Speaker 1: we did this thing and took the money off the card.
Speaker 3: He promptly ran away with it.
Speaker 1: But before I realized he ran away with it, I
Speaker 1: bought I bought a online to.
Speaker 3: See this is I was stuper on top of stupid, so.
Speaker 1: I bought an online course from like a well known
Speaker 1: like financial expert that we all kind of know now.
Speaker 3: I think it was like something crazy.
Speaker 1: It was definitely over five thousand dollars because I wanted
Speaker 1: to learn how to start a business. And I was like, look,
Speaker 1: I'm about to be rich, Mandy, Manny, don't don't you gas, Mandy.
Speaker 2: I know how it ends, and I'm still just like
Speaker 2: on the ende of my seat.
Speaker 3: I'm about to be rich.
Speaker 1: I mean, according to Bob, we're about to take this
Speaker 1: money and it's gonna the money's then you'll be twenty
Speaker 1: one hundred dollars a week, Mandy for two years. You
Speaker 1: do the math, Mandy, sounds about right, right, I was like,
Speaker 1: sounds about foolish. And I said sure, and I'm not
Speaker 1: gonna tell nobody because they're just gonna ran on my parade.
Speaker 1: I'll let them, I'll let it rain on them and
Speaker 1: then they'll see that I was right. So this was,
Speaker 1: you know, twenty three, twenty four year old tipany thinking.
Speaker 1: So yeah, I, I, you know, gave Bob the money
Speaker 1: he but I didn't know he ran away with that
Speaker 1: at first because he said I won't I won't get
Speaker 1: my money like the first month. It'll start coming in
Speaker 1: after that. And then yeah, so then I ended up.
Speaker 1: I didn't even use the car to like buy clothes
Speaker 1: and notything like that. I literally bought.
Speaker 3: This one course.
Speaker 1: So it took whatever it is it was in the
Speaker 1: twenties that that I took off to give to Bob,
Speaker 1: And it took me from that to thirty or thirty
Speaker 1: five thousand dollars from no credit card deb to thirty
Speaker 1: or thirty five thousand spent so long, and so here
Speaker 1: I am taking this course which was like like it
Speaker 1: was weak at best, but I'm like, you know, I
Speaker 1: wanted to prepare for this new money that's coming in
Speaker 1: that never came. And then after month one, Bob, were
Speaker 1: you at calling, texting, crying. I mean, like, it took
Speaker 1: me a long time to really understand that Bob took
Speaker 1: my money because we signed a contract.
Speaker 3: I'm like, well, I have a contract, so which.
Speaker 1: Meant nothing because Bob, like you know, just ran away basically,
Speaker 1: and I found that there was someone else that there was,
Speaker 1: like a mutual friend that he'd introduced me to.
Speaker 3: At some point I reached out to him and he
Speaker 3: was like, bobst my money.
Speaker 1: Too, and I was like wow, I said, well, I
Speaker 1: don't know about you, but I'm getting my money back.
Speaker 1: So for two years, really maybe like a year and
Speaker 1: a half, I pursued Bob everywhere he went, everywhere.
Speaker 3: I followed him on social media. I tried to do
Speaker 3: pop ups. I'm like, oh, you want to be in Chicago.
Speaker 1: I don't even have the money for Chicago, but I'm
Speaker 1: gonna see you one day, Bob. You gotta come by
Speaker 1: New York and I'm gonn to you. And it never happened,
Speaker 1: even though he was terrible, because this is what was
Speaker 1: so bad about Bob is not that he wouldn't pick
Speaker 1: up the phone, Mandy. Can you imagine Bob would pick
Speaker 1: up the phone and be like, Oh, I'm sending you
Speaker 1: the me tomorrow.
Speaker 3: Pick up the phone.
Speaker 1: Oh, you didn't get my wire transfer. It's in there,
Speaker 1: and then had the nerve to ask me at one point, Oh,
Speaker 1: I got stuck in whatever country's in could you just
Speaker 1: wire me like fifteen hundred dollars and as soon as
Speaker 1: I get back, I'll have your money.
Speaker 3: I said. So, I'm supposed to give you my fifteen
Speaker 3: hundred dollars for my mortgage to you, Bob, and you
Speaker 3: have not paid me the twenty five thousand that you
Speaker 3: owe me. Wow. And he was just like, you know,
Speaker 3: it's only because I'm stuck here.
Speaker 1: I mean, if you want your money, I can't be
Speaker 1: stuck in whatever country that he's supposedly stuck in.
Speaker 3: Of course, Nee Lissa said, I did not give him
Speaker 3: the fifteen hundred dollars. I was like, well, give me
Speaker 3: my money.
Speaker 1: So that went on for like a year and a half.
Speaker 1: I mean everything, it just was. I was hysterical at
Speaker 1: one point.
Speaker 2: Was he also one of the co founders of the
Speaker 2: Fire festival.
Speaker 3: You know, he mustn't. He must know that.
Speaker 1: But the thing is, I've been to his pen half,
Speaker 1: like he's had a party at his penthouse suite in
Speaker 1: New York.
Speaker 3: You know, I've seen him and it's his ferrari. So
Speaker 3: I'm like, Bob's got money.
Speaker 1: Yes, that was the people's money, and so yeah, So
Speaker 1: that went on for like a year and a half.
Speaker 1: I never got my money, but it then there was
Speaker 1: session hit then, I you know, so here I was
Speaker 1: thirty five thousand dollars in credit card debt. My student
Speaker 1: loans finally hit because I graduated until fifty something thousand,
Speaker 1: and my condo I could no longer afford two hundred
Speaker 1: and like twenty thousand. So I was like, you know,
Speaker 1: over over three hundred thousand dollars in debt and no
Speaker 1: income coming in, and it was just really devastating. I
Speaker 1: moved back home, started the Budgetista. As I began to
Speaker 1: rebuild my life, I realized I wasn't the only one
Speaker 1: who needed rebuilding. And so, you know, because my father
Speaker 1: was an accountant in the CFO, and he'd already sent
Speaker 1: me to all of these classes, had all these like certifications,
Speaker 1: Like when I was younger about how to manage our money.
Speaker 1: And so the investment part is the only part that
Speaker 1: we never really talked about. That's why I made that mistake.
Speaker 1: But anyway, I dug myself out, and as I was
Speaker 1: digging myself out, the teacher and me started helping my friends,
Speaker 1: and then their friends and then their friends, and the
Speaker 1: budgetista was born. Basically, so, I think last week we
Speaker 1: talked about something and it made me google Bob.
Speaker 3: I said, let me see.
Speaker 1: And meanwhile, so at one point I had to, like,
Speaker 1: I had to release the expectation that I was ever
Speaker 1: going to get my money back, like I had gone.
Speaker 3: I got a friend of mine was a lawyer. She
Speaker 3: looked over the contract. She said, Takes, did you read this?
Speaker 1: I was like, now, she said, so apparently Bob is
Speaker 1: a citizen of France. Although and so she was like,
Speaker 1: so this says you can sue him in France.
Speaker 3: I was like, oh, well, clearly I didn't read it.
Speaker 1: And so and by then too, I had already spoke
Speaker 1: to Carlos, my accountant, and so what Carlos did was
Speaker 1: he said, this, we can start to write this off
Speaker 1: a year after year as a loss. So I already
Speaker 1: you know I took the you know, my my taxes
Speaker 1: reflected this this investment loss, and I said, okay. So
Speaker 1: then I blocked Bob on everything because he was like weird.
Speaker 1: He would call me and reach out and pretend like
Speaker 1: he sends the money or he was sending it, and
Speaker 1: it got to be honestly, it got to be a
Speaker 1: lot on my spirit, you know, like like expect and
Speaker 1: expecting like I was going to get the money didn't come.
Speaker 3: So I blocked him on the phone. I blocked him everywhere.
Speaker 1: But then like literally I haven't thought about him, like
Speaker 1: I don't know the last six seven years.
Speaker 3: And then I did something we spoke about last week,
Speaker 3: maybe google him. So apparently Bob.
Speaker 1: Has been scamming everywhere with Who's surprised. So Bob has
Speaker 1: scammed in Florida, where I met him. He's on trial
Speaker 1: for that, scammed in Georgia. But I remember he said
Speaker 1: he like stayed a lot of time, like spent a
Speaker 1: lot of time in Atlanta, and scammed in New York.
Speaker 1: But Pete this, I mean, I'm sure Bob scamed regular people.
Speaker 1: But Bob, being the fool that he is, scammed the
Speaker 1: United States government. There is literally a he's in federal
Speaker 1: prison right now, which I'm like, oh, look at that,
Speaker 1: just dessert.
Speaker 2: So where did they prosecute him? Was it in the States?
Speaker 1: Yeah, so apparently Bob so themly there's like a like
Speaker 1: I was looking online and it says the United States
Speaker 1: of America's versus Bob, not his name obviously, and apparently
Speaker 1: what he tried to do is, Hey, they're prosecuting him
Speaker 1: for aggravated identity theft. He tried to make false statements
Speaker 1: on a US passport. So I don't know if he
Speaker 1: had been kicked out and tried to come back, but
Speaker 1: he tried to falsify and get like a fake passport,
Speaker 1: which is not super smart, and so you're not gonna
Speaker 1: win against the United States government. And so he's now
Speaker 1: in federal prison because that is a federal you know, offense,
Speaker 1: and like I'm just reading all this like how he's
Speaker 1: fighting against it, saying he didn't know that he filled
Speaker 1: it out incorrectly by a mistake, and they're like, you
Speaker 1: travel to over thirty different countries and you're you know,
Speaker 1: such as such a year's old forty seven years old,
Speaker 1: that like that wasn't a mistake. You did it on purpose,
Speaker 1: So yeah, it looks like and meanwhile, it's not just there.
Speaker 1: Bob also has pending cases in Georgia and New York.
Speaker 1: And I said, look hip, Bob, Well, scammers never see
Speaker 1: so now I know what the blob up.
Speaker 3: Because of the fire festival talk. It made me say,
Speaker 3: let me see what my scammer's up to.
Speaker 1: So yeah, I was running away and I'm in prison.
Speaker 1: So hopefully, you know, he'll stay there for a long while.
Speaker 1: And I know, like the people that he sold from
Speaker 1: will never get their money back, but hopefully it didn't
Speaker 1: set them.
Speaker 3: Back in a way that they never recovered.
Speaker 1: But hey, Bob, if they let you get rand Ambish
Speaker 1: in jail, tell your bunk made.
Speaker 3: I said, hey, you know, let me stop.
Speaker 1: But yeah, what it just shows though, is that, like
Speaker 1: you know, eventually the things you do do catch up
Speaker 1: to you. Even you might not reap what you sew, well,
Speaker 1: you might not reap where you sew, like I you know,
Speaker 1: wasn't able to do something to him, but you definitely
Speaker 1: what you sew. So eventually his bad deeds caught up
Speaker 1: with him in another space and place.
Speaker 2: Well, I mean, I know, not everyone has to endure
Speaker 2: what you had to endure on that level. But I think,
Speaker 2: I mean, don't feel bad obviously, I think the best
Speaker 2: of us can get scammed by people who sound like
Speaker 2: too good to be true. So at least he got
Speaker 2: his come up. And how many years later has it been?
Speaker 2: Ten years?
Speaker 3: I know? Is that crazy? Yep? Ten years later? So yeah,
Speaker 3: a belch.
Speaker 1: But the lesson and all of that, honestly, like you
Speaker 1: guys are always asking us questions and stuff like that,
Speaker 1: and that's good. The lesson is to you know, not
Speaker 1: take one person's word for anything. Is to do your
Speaker 1: own research, you know, like a wealthy investor is an
Speaker 1: educated investor, like, you know, do your own due diligence.
Speaker 1: You know that, And there's no shortcut to growing wealth,
Speaker 1: like you have to participate actively in it.
Speaker 2: Yes, and ask your friends for advice, even if it's
Speaker 2: not what you want to hear, because.
Speaker 3: My friends would have been like, are you kidding? Yeah? Yeah.
Speaker 2: So another disturbing news, did you see Jesse Smollett from
Speaker 2: Empire got attacked apparently by two white men in a
Speaker 2: subway like the restaurant what late at night in Chicago
Speaker 2: of all places, like they were wearing they were allegedly
Speaker 2: wearing make America Great Again hats and tied a rope
Speaker 2: around his neck like a noose and beat him up
Speaker 2: and poured bleach on him. And I'm like, were they
Speaker 2: following him? Why did they just happen to walk into
Speaker 2: a subway restaurant at two am with a lot of
Speaker 2: lebleach in a row?
Speaker 3: Like what? So? Details?
Speaker 2: Yeah, I'm sure more details will come out, but if
Speaker 2: it's if it's all true, it's really really disturbing. There's
Speaker 2: a picture of him and he looks really bad, like
Speaker 2: his face is all swollen and stuff, and that's just
Speaker 2: I mean, that's what that is the danger of all this,
Speaker 2: Like you know, everyone asks, everyone thought that, you know,
Speaker 2: Trump was so innocuous and just a side show, like
Speaker 2: a publicity slide side show or you know, harmless, but
Speaker 2: he really gave he really gave credence to the type
Speaker 2: of behaviors and hate speech that we're seeing now, and
Speaker 2: he kind of gave them permission, like these people permission
Speaker 2: to be more forthcoming with their beliefs and to really
Speaker 2: act on them, you know, because they probably see what
Speaker 2: happened in places like Charlottesville, where he where our own
Speaker 2: president didn't want to denounce you know, white supremacy and
Speaker 2: the white supremacists who were, you know, at the forefront
Speaker 2: of that and probably think that they can get away
Speaker 2: with it now, like in the country that we're in now.
Speaker 2: And that's what's like truly disturbing about something like this
Speaker 2: happening twenty eighteen in Chicago. You wouldn't think that would
Speaker 2: happen in Chicago. Yeah, I just wow, nineteen Sorry, I'm like,
Speaker 2: what year is it?
Speaker 3: Yeah? Wow, wow, wow, wow wow.
Speaker 1: I don't even know what to say. That's insane. I
Speaker 1: just can't even I just pray that he's going to
Speaker 1: be okay.
Speaker 2: Me too. I mean, I think I recently saw this play.
Speaker 2: There's a new of course I did. I'm getting back
Speaker 2: into my Broadway groove. But there's a new show a
Speaker 2: new music hall called Choir Boy, which is about a
Speaker 2: teenager a black So it's about an all black or
Speaker 2: a majority black prep school for boys, and about a
Speaker 2: graduating senior in the school who's in the choir and
Speaker 2: he's gay, not openly gay, but he's himself and he
Speaker 2: definitely presents as gay but hasn't come out and said it.
Speaker 2: And it's kind of about how his other classmates interact
Speaker 2: with him being openly but not openly gay, and I
Speaker 2: thought it was such a beautiful show. And I saw
Speaker 2: it with a good friend of mine and who I
Speaker 2: won't call out, but it's a good friend of mine
Speaker 2: who grew up in the South, just like me, being black,
Speaker 2: and then you know, had to sort of discover his
Speaker 2: sexuality over the years. And there's it's already hard enough
Speaker 2: to be black, and then you throw in also being
Speaker 2: gay on top of that, and the stigmas and the
Speaker 2: stereotypes and you know what you have to endure not
Speaker 2: just from just the general like homophobia that exists, but
Speaker 2: also within the black community on top of that. It's
Speaker 2: really hard. So like, on the one hand, I was
Speaker 2: celebrating that play as, oh, this is a really you know,
Speaker 2: this is the kind of musical I don't think could
Speaker 2: have been made ten years ago. And look at the
Speaker 2: time we're living in and you know, all happy with
Speaker 2: my friend, and then for something like this to happen,
Speaker 2: it's just sort of like, oh, okay, it's still it's
Speaker 2: still not like you know, there's good with bad for
Speaker 2: people in that situation.
Speaker 1: Yeah, it's just so much like, oh, you know, from yeah,
Speaker 1: I just there's just so much. He didn't just feel
Speaker 1: like I just can't like from R Kelly, you know
Speaker 1: that you heard that Sundance and there's this like a
Speaker 1: new movie about Michael Jackson kind of like yeah, and honestly,
Speaker 1: I'm not Drina, y'all know, like my best friend but
Speaker 1: also my puplicists at sun Dancing.
Speaker 3: She was like the screening was like legacy shattering and
Speaker 3: like it was really bad, like.
Speaker 1: Seven year olds eight year olds, you know, and just
Speaker 1: pay off. I have to pay off, have to pay off,
Speaker 1: and it's like, what is happening?
Speaker 3: You know?
Speaker 2: Where there's smoke, there's fire, Yeah.
Speaker 1: And it's justially continue to smoke over and over and over,
Speaker 1: you know, Like I know people don't want to hear it,
Speaker 1: they want to see it. It's just so much and
Speaker 1: you're just like, what in the heck kind of world?
Speaker 3: You know?
Speaker 1: That's why when people used to say, you know, back
Speaker 1: back in the day, but when when President Obama was
Speaker 1: elected there's no more racism. I was like every black
Speaker 1: bron person I know was like, what someone just called
Speaker 1: me the M word yesterday?
Speaker 3: What are you talking about? Just because people.
Speaker 1: Are not overt with it, But now I feel like
Speaker 1: so much stuff is coming to the light. Some people
Speaker 1: are flaunting, they're they're just foolishness, and some people it's
Speaker 1: just coming to the light because people finally are sharing
Speaker 1: their stories of abuse, and it's like, oh, what is
Speaker 1: everyone terrible? You know, when you look at the people,
Speaker 1: you know, you're like, well, my husband's not terrible.
Speaker 3: I hope. I mean, I don't think, you know, and.
Speaker 1: I know, you know, you just I just feel like
Speaker 1: I'm questioning everything. I mean, I don't question, but it's
Speaker 1: just that there's just so much happening, Just like, how
Speaker 1: do you process all of this dismantling of all that
Speaker 1: you know, you know.
Speaker 2: I think just talking about it honestly and not ignoring
Speaker 2: it anymore and having they're really uncomfortable conversations, and I
Speaker 2: feel like we've all been forced to have them over
Speaker 2: the past, you know, a couple of years, and especially
Speaker 2: with the Me Too movement and looking at what happened
Speaker 2: with R. Kelly, Yeah, and whatever happens with Michael Jackson
Speaker 2: and even you know, what happened with Kevin Hart and
Speaker 2: the oscars, Like everybody is just on a high alert
Speaker 2: and the and You're right, like, the more people talk
Speaker 2: about it, the more we may have to look back
Speaker 2: and face uncomfortable truths like Bill Cosby, that whole thing happening.
Speaker 3: I think just.
Speaker 2: Talking through it and also giving yourself the like no
Speaker 2: one has the answer, and I think, you know, there's
Speaker 2: no black and white with people. You can have people
Speaker 2: who do good things and then do really terrible things.
Speaker 1: You know.
Speaker 2: I know there was an interview with Harvey Weinstein's wife,
Speaker 2: you know, where she's talking about a great father he is.
Speaker 2: I believe that he probably was a great father, but
Speaker 2: also a sexual predator. Yeah, and that's where it's really
Speaker 2: And if you if you haven't had someone in your
Speaker 2: life who's really been you know, been one thing to
Speaker 2: you that's very positive, and then to hear you know,
Speaker 2: it's like when you I'm sure in every everyone's lives,
Speaker 2: you've heard about a relative that you loved and like
Speaker 2: you hear bad things about them after they passed away
Speaker 2: at the funeral or something like that. You know, it's
Speaker 2: maybe not to this degree, but people are, People have skeletons,
Speaker 2: and yeah, we just have to be just I think
Speaker 2: it's it's almost good because we're kind of being taught
Speaker 2: not to think about people critically and not to take
Speaker 2: people like like your friend who you realized was a scammer.
Speaker 1: He was so charming, like you would be like, oh
Speaker 1: my gosh, I like your friend Bob. He's so charming,
Speaker 1: he's smart, well travel like you would never if let's
Speaker 1: just say this, if I would have never, if I
Speaker 1: would have never said, hey, Bob showed me how to invest,
Speaker 1: and all of a sudden he didn't look at me
Speaker 1: as a mark before because I'm sure he's like, she's
Speaker 1: a preschool teacher.
Speaker 3: She didn't have any money, you know.
Speaker 1: So up until then, if I would have never kind
Speaker 1: of like exposed, like, hey, I have some money, me
Speaker 1: and Bob might still be friends today. I would never
Speaker 1: know that he was secretly stealing from people on the side. Yeah,
Speaker 1: you know, you know so, Yeah, that was one of
Speaker 1: the things that that was one of the things that
Speaker 1: struck me about the Firefestival.
Speaker 3: I watched both the.
Speaker 1: Hulu and the and the what was it Netflix that
Speaker 1: everyone said that Billy, the guy who you know sparked
Speaker 1: this controversy, the founder of Firefest, that that he was
Speaker 1: really charming, that he was cool. I mean, you could
Speaker 1: tell even in the way people spoke about him that
Speaker 1: they they were conflicted, like.
Speaker 3: Oh, Billy was so chill, he was so cool, but.
Speaker 1: My people didn't get paid, you know, so they were like, wait,
Speaker 1: it's the same guy. So yeah, it is very I mean,
Speaker 1: there's a there's actually a book I think. I was
Speaker 1: like at Barnes and Nobles this weekend and it was
Speaker 1: like this book about how this young woman was raised
Speaker 1: by like a famous serial killer and she didn't know
Speaker 1: until she got older. She's like, wait, what my dad
Speaker 1: was killing people because that was her dad and as
Speaker 1: far as she could tell, he was a good dad.
Speaker 3: But it didn't mean on.
Speaker 1: The side he wasn't killing people, which is so crazy,
Speaker 1: you know. So yeah, it's just I'm telling you. Sometimes
Speaker 1: it's just like ooh, ChIL, I.
Speaker 2: Think critically about the people you interact with your financial planners,
Speaker 2: Like every you know, your accountants, don't just like do
Speaker 2: your own research on your own vetting, because yeah, I mean,
Speaker 2: people are not always what they seem to be, especially
Speaker 2: if you have if they have a way to gain
Speaker 2: from you and being attached to you for sure, speaking
Speaker 2: of people being taken advantage of the governments, finally not
Speaker 2: shut down temporarily, Husby's going to get a paycheck. Hey,
Speaker 2: I'm excited about that. Yeah, that's all insane and it's
Speaker 2: finally kind of ending. But we don't really know if
Speaker 2: they're gonna because Trump could turn around at the end
Speaker 2: of these three weeks. What is it, we're back in
Speaker 2: session or back I think the government's back in full
Speaker 2: swing until like the fifteenth of February or something.
Speaker 1: M h.
Speaker 2: But he could turn around and be like, nah, no
Speaker 2: wall okay, let's do another shutdown, and that would just
Speaker 2: screw so many families up. So hopefully it doesn't happen.
Speaker 1: Yes, I just like but the fact that I'm just
Speaker 1: so glad that people are getting their back pay, but
Speaker 1: not contractors, which is hard, you know, but like you know,
Speaker 1: employees are getting their back pay and so they can
Speaker 1: help to sort of like reset. But you know, there
Speaker 1: there is there are costs that you'll never get back,
Speaker 1: you know, Yeah, if you're you know, if you're late,
Speaker 1: and what if your landlord still charges a late fee,
Speaker 1: and what if you know, like there's there's extra interest
Speaker 1: on your credit card. So they're just you never quite
Speaker 1: get back what you lot, but hopefully it can it
Speaker 1: can get as close as as possible.
Speaker 2: Yeah, and if you're if you're a government employee and
Speaker 2: you and you're dealing with a bank situation where your
Speaker 2: credit card payment you won't be able to make it
Speaker 2: or something like that, just contact your bank because most
Speaker 2: of the main issuers, the main banks out there, have
Speaker 2: programs where they will waive interest fees or waive late
Speaker 2: payments if you're unable to make them. Even now having
Speaker 2: to having missed two paychecks with the shutdown, So contact
Speaker 2: your bank and at least try and get some reprieve
Speaker 2: until that paycheck comes. Questions, I thought you fading.
Speaker 1: I know, you know I used to do the transitions.
Speaker 1: But yes, coo, weest y'all especially, I know we have
Speaker 1: some good ones. I'm glad that you guys are hitting
Speaker 1: us back up in the inbox because we really love
Speaker 1: your questions.
Speaker 2: Yeah, please send us to your questions. You can hit
Speaker 2: us up at Brandnambisson podcast dot com dot com.
Speaker 3: Oh you waiting for dot com.
Speaker 2: I'll edit that out so it wasn't as long. Okay,
Speaker 2: all right, leave me hanging branimissionpodcast dot com, or send
Speaker 2: us an email at Brandambision Podcast at gmail dot com.
Speaker 2: You can remain anonymous. Just let us know, and we
Speaker 2: love your questions and they they're always really interesting. And
Speaker 2: I've got a couple of let me shake up the
Speaker 2: reader mail bag right now or listener mail bags. So
Speaker 2: we have one question from someone who'd like to remain
Speaker 2: anonymous because she is a government employee who's been impacted
Speaker 2: by the shutdown. So here's what this listener has to say.
Speaker 2: We'll call her Alana. Alana says, I'm a federal employee
Speaker 2: for the Department of Defense, so I'm not affected by
Speaker 2: the shutdown personally. That she must have been considered an
Speaker 2: essential employee and been able to get paid. However, we
Speaker 2: are only funded through the thirtieth of September twenty nineteen.
Speaker 2: As a pessimist, I'm already having anxiety about what happens
Speaker 2: come the first of October. If this shit show shut down,
Speaker 2: her words continues, and we do not have funding, I'm
Speaker 2: definitely at pay the rent, keep the lights on, have
Speaker 2: food and transportation type of person, so credit debt will
Speaker 2: immediately fall to the wayside for me so that necessities
Speaker 2: are met. My questions are what's the best way to
Speaker 2: save more money? So I'm okay if something happens and
Speaker 2: there's another shutdown, When should I start saving money? And
Speaker 2: what's the best way to manage credit card debt when
Speaker 2: you're trying to prioritize other necessary expenses if something like
Speaker 2: a shutdown were to happen and you're suddenly not getting
Speaker 2: a paycheck anymore. Good questions. Like, personally, I'm really I'm
Speaker 2: not happy about the shutdown by any stretch, but I
Speaker 2: think it's a good reminder and a good wake up
Speaker 2: call for a lot of families that you know, unexpected,
Speaker 2: like even your government job can be unpredictable. And for
Speaker 2: people working in the private sector, we live with that
Speaker 2: fear every day too. Because we were for public companies,
Speaker 2: they could decide, oh, I don't need a content team
Speaker 2: anymore and buy Mandy, And I need to have my
Speaker 2: you know, I need to have my savings on the
Speaker 2: side to cushion that blow. So it's a good reminder
Speaker 2: that you need to have at least a couple of
Speaker 2: months worth of emergency savings set aside, and like the
Speaker 2: best time to start is yesterday.
Speaker 3: Yep, pretty simplar. I agree.
Speaker 1: Also, I would say this then, knowing what one of
Speaker 1: the biggest mistakes I made during the two thousand and
Speaker 1: eight two thousand and nine. The session is that I
Speaker 1: didn't adhere to my noodle budget faster like we talked
Speaker 1: about it, I think last week.
Speaker 3: I don't know if we talked about it.
Speaker 1: But anyway, your noodle budget is your ramen noodle budget,
Speaker 1: meaning that your lowest common denominator, what's the least amount
Speaker 1: of money you could spend to maintain your life, so
Speaker 1: that you only do that during extreme hardship like government
Speaker 1: shutdown historically long, you know, So it's not something that
Speaker 1: you do regularly unless you really can't afford life. So
Speaker 1: I wish I would have, because what I did instead
Speaker 1: was I continued my lifestyle, and I liked. I depleted
Speaker 1: my savings to continue my lifestyle because I just knew
Speaker 1: relief is coming around the corner. Relief is coming around
Speaker 1: the corner, and so in the meantime I depleted my savings,
Speaker 1: relief didn't come.
Speaker 3: Around the corner.
Speaker 1: I ended up spending all this money on a house
Speaker 1: that I ended up losing anyway, like tens of thousands
Speaker 1: of dollars, And I could have used that money to
Speaker 1: set myself up more solidly someplace else. So if I
Speaker 1: was in this position now knowing that February, Like he's
Speaker 1: given you a date, so I would not be aggressively
Speaker 1: paying down your debt. That what's really important right now
Speaker 1: is having access to funds, So I'd be paying the
Speaker 1: minimum to my credit cards, savings, safe saving, activating my
Speaker 1: relative noodle budget like you know, so meaning like let's
Speaker 1: cut some of these things down until after February fifteenth.
Speaker 3: Then let's just see what happens, you know, because.
Speaker 1: I would want, I want you to have more money
Speaker 1: on hand, so all of a sudden that does happen again,
Speaker 1: you have a little bit more space to breathe.
Speaker 3: You know, That's what I would do, especially since you
Speaker 3: know you have a date.
Speaker 2: Yeah, one hundred percent, and you don't have to you know,
Speaker 2: you don't have to let the big goal of a
Speaker 2: few months worth of savings frighten you and make you
Speaker 2: feel like you will never get there. Just start saving
Speaker 2: something now, you know, something is better than nothing. You know,
Speaker 2: I still to this day have an auto savings amount
Speaker 2: that automatically get sent to my savings like at a minimum,
Speaker 2: and then sometimes I add more on top of that.
Speaker 2: But that just you know, that whole set it and
Speaker 2: forget it thing is really crucial for my own success.
Speaker 2: And she also talked and Tiff, you've mentioned that before
Speaker 2: in terms of what happens when you don't have money
Speaker 2: in the bank and you have all these compete eating
Speaker 2: priorities like home, food, credit card bills, maybe utilities, things
Speaker 2: like that, and how do you sort of prioritize when
Speaker 2: there's just not enough in the bank to cover everything
Speaker 2: all at once.
Speaker 1: Honestly, well, you have to prioritize like your your basic necessities, right,
Speaker 1: so food and someplace to live. And so for me,
Speaker 1: I moved back home, but you might not have that option.
Speaker 1: You know, you might not have the option to move
Speaker 1: with your cousin or friend or whatever. So making sure
Speaker 1: that one the money that you do have, that you
Speaker 1: put it toward what's going to maintain basic life, Like
Speaker 1: you have to have sheltered, you have to have food,
Speaker 1: and you have to have like some sort of way
Speaker 1: to get to work.
Speaker 3: So maybe it's you know, I'm gonna be able.
Speaker 1: To take the train to work, But so it might
Speaker 1: mean credit cards don't get paid, it might mean Verizon
Speaker 1: doesn't get paid. And I had to make that decision
Speaker 1: that you guys are not gonna It was like the
Speaker 1: hardest things I'd never not paid. I didn't have it,
Speaker 1: so I was like, you're just not gonna get paid.
Speaker 1: I have to pay the thing that like that sustained
Speaker 1: basic life so I can live healthy. I have enough
Speaker 1: food to you have a safe place to stay. And
Speaker 1: then as I got myself on my feet, I went
Speaker 1: back to like negotiate new terms to settle some things.
Speaker 1: I mean, my credit score before the recession was eight
Speaker 1: oh two, and then after it was all said and done,
Speaker 1: I went down to a five forty seven, and I
Speaker 1: was like, oh my gosh. So it took two years
Speaker 1: to rebuild it back up to like a seven seven fifty. Now,
Speaker 1: normally you don't it doesn't take as long, but I
Speaker 1: had so many things it took two years. Because your
Speaker 1: credit score is really an average of your choices. So
Speaker 1: I had a lot of bad grades on my credit report,
Speaker 1: and so it took a long time to build myself
Speaker 1: back up. And now despite having a foreclosure and late
Speaker 1: payments in the past, I'm back in the eight hundreds.
Speaker 1: So I just say all that to say that sometimes
Speaker 1: you have to make a decision of who is not
Speaker 1: going to get any money. And one of the things
Speaker 1: I did so I decided that my mortgage wasn't going
Speaker 1: to get paid because I just didn't have it.
Speaker 3: But I had enough for the rest of my bills.
Speaker 1: I was on unemployment, so I said, okay, so, if
Speaker 1: you're getting about two thousand a month, your mortgage is
Speaker 1: sixteen hundred. The rest of your bills it's about sixteen
Speaker 1: seventeen hundred. You're getting two thousand.
Speaker 3: So guess what.
Speaker 1: I'm not gonna pay my mortgage. I'll pay the minimum
Speaker 1: to the rest of my bills. I'm gonna tell student
Speaker 1: loans to kick rocks for a moment and put you
Speaker 1: on the deferment. And this is how I'm going to
Speaker 1: live until I get on my feet. And so, but
Speaker 1: the mortgage company was brutal. They used to call me
Speaker 1: every day, and it was so stressful until I found
Speaker 1: a cease and assist letter. I straight googled it. I
Speaker 1: went to the local staples and faxed them police. You're
Speaker 1: no longer allowed to call me, and literally is just
Speaker 1: a Google search for that that you can contact me
Speaker 1: via email and be a letter because at least, you know,
Speaker 1: you can kind of stop the constant pressing of like
Speaker 1: I know I owe you, but to call me every
Speaker 1: day it's too much, and so you're able to do
Speaker 1: that as well. Just because you owe someone doesn't mean
Speaker 1: they have the right to harass you, you know. I mean,
Speaker 1: you're you know, but obviously you're you're wanting to pay,
Speaker 1: you just don't have it. And so, like I said,
Speaker 1: eventually you know, they stop because by law they have to.
Speaker 1: If you said to cease and desist letter and then eventually,
Speaker 1: you know, I work why it wasn't even able to
Speaker 1: work something out.
Speaker 3: They just took the house.
Speaker 2: Yeah, so I think it's I mean, it's there's so
Speaker 2: many ways to answer that question, and like how you prioritize,
Speaker 2: but sometimes things have to fall to the wayside and
Speaker 2: you just have to be prepared for the repercussions when
Speaker 2: they do, until you're able to get back on track. Yeah,
Speaker 2: but that emergency fund will save you a million times,
Speaker 2: I mean, if as long as you replenish it, but
Speaker 2: keep you know, make that a priority starting now. Like
Speaker 2: you said, you have as a as a DoD employees
Speaker 2: that you have until the end of September before the
Speaker 2: chance of a shutdown for you guys comes up again.
Speaker 2: So make that your mission for the next However, many
Speaker 2: what is that eight months to really shore up those
Speaker 2: those defenses of your own because that's like I mean,
Speaker 2: I call it my freedom fund because you're free. You're
Speaker 2: free to make choices, You're free to do what you
Speaker 2: want to do when you're not tied to that bi
Speaker 2: weekly paycheck.
Speaker 3: I love that.
Speaker 2: Thanks for your question, Alana.
Speaker 3: Mm hmm. Next question, let's.
Speaker 2: See, Okay, we'll call this listener Susan. Susan has a
Speaker 2: question about her scholarship money that she's getting for college.
Speaker 2: She says, I've been listening since I've listened to the
Speaker 2: podcast since my freshman year of college, and I'm in
Speaker 2: a far better financial standing because of your knowledge. Meh,
Speaker 2: thank you. I'm now a junior and have been filing
Speaker 2: my taxes is twenty sixteen because I work. While I
Speaker 2: have a scholarship for my university. I also have outside
Speaker 2: scholarships to help me with room and board cost as
Speaker 2: well as books. Are these things I should be listening
Speaker 2: on my taxes? If so, how can I go back
Speaker 2: and file for those in previous years? I never received
Speaker 2: tax documents from these organizations just to checks themselves, so
Speaker 2: I'm not sure what I should file. Any advice you have.
Speaker 2: Can any advice you can provide will be much appreciated,
Speaker 2: Susan good question. Yes, that's a question that has you know,
Speaker 2: it really depends on what you're going to be using
Speaker 2: the scholarship money for. And as so long as you're
Speaker 2: getting these scholarships and you're using the money for edub god,
Speaker 2: I can't use English words today. Eligible education expenses like
Speaker 2: you said, you're using room and board and books, they
Speaker 2: shouldn't be taxable. They should be non taxable. If you're worried,
Speaker 2: you can always reach out to a tax preparer to
Speaker 2: get their opinion. In my opinion, if you haven't gotten
Speaker 2: any sort of tax form from those organizations, it probably
Speaker 2: is a good indication that there's nothing for you to
Speaker 2: worry about. And certainly, like in school tuition scholarships, those
Speaker 2: are non taxable. You don't have to worry. The only
Speaker 2: time you have to worry when it comes to like
Speaker 2: college funds that can be taxable is let's say you
Speaker 2: have student loan debt forgiven. Then in some cases that
Speaker 2: can be they can consider the amount that was forgiven
Speaker 2: as income and then you can get taxed on that.
Speaker 2: But that doesn't sound like what you're dealing with now,
Speaker 2: and I don't know if to add Tiffany, but I can.
Speaker 2: I'll share a link to a story we have on
Speaker 2: student loan hero dot com, which is really solid and
Speaker 2: has more details on sort of how the I r
Speaker 2: S looks at scholarships.
Speaker 1: No, honestly, that's not my forte. I was gonna say,
Speaker 1: I never heard of them. That that would be crazy,
Speaker 1: So I'm gonna file your lead on that one. But yeah,
Speaker 1: that would be creazy. That's because I've known people who've
Speaker 1: gotten like hundreds of thousands of dollars in scholarships.
Speaker 3: Definitely forgiveness.
Speaker 1: I knew that, but like, that would be crazy if
Speaker 1: the government was like remember the year when they made.
Speaker 3: Swag for celebrities tax taxable like income.
Speaker 2: Oh yeah, that was like wow, fair enough, Okay, fair enough.
Speaker 1: So I was like, you know, I mean, but I mean,
Speaker 1: that would be crazy. But let's just say I would
Speaker 1: never put it past them, So you know, we'll see.
Speaker 2: One thing that happened to me real quick in school
Speaker 2: is I did win an award like a journalist, a
Speaker 2: student journalism award that came with some money, and I
Speaker 2: got a tax form to account for that award. On
Speaker 2: my taxes, which was fair because I didn't. It wasn't
Speaker 2: money that I was supposed to use or went directly
Speaker 2: to my school. I think I used it on like
Speaker 2: a vacation or something.
Speaker 1: So mm hmm.
Speaker 2: But on the on the bright side, if you're in college,
Speaker 2: you should still be filing your taxes even if you
Speaker 2: don't think that you're gonna get a refund, because I
Speaker 2: made that mistake when I was in school. I never
Speaker 2: filed my taxes because I was like, well, I'm not
Speaker 2: even earning that much money. There's no way that you
Speaker 2: know I'm going to get a refund back. But I
Speaker 2: should have been filing at the very least, because I
Speaker 2: could have gotten back the tax I was paying taxes
Speaker 2: out on my paycheck, So the federal tax dollars that
Speaker 2: you're you're paying with your paycheck, they could that could
Speaker 2: end up being a refund back to you. If if
Speaker 2: it's true like I was, you know, not getting paid
Speaker 2: enough to really earn to to be tax at all.
Speaker 2: So I missed out on some tax refund money.
Speaker 3: Ah, and you probably needed it the most back then.
Speaker 2: I sure did, But let's not talking about my I
Speaker 2: went back and looked at like how much I earned
Speaker 2: and in high school and in college or working part time,
Speaker 2: and I'm like, where did that money go though? Like
Speaker 2: it was fifteen thousand dollars or something like that.
Speaker 3: Crazy, I think, what do I have a new life
Speaker 3: to show for it?
Speaker 1: Don't you just think back and you're like, uh, I
Speaker 1: can just only imagine how many thousands and thousands of
Speaker 1: dollars like that, like Wendy's and McDonald's and Joyce Leslie.
Speaker 3: Nagles out of my my little fingers, they.
Speaker 2: Have Zaxby's up here, yet I don't think they do.
Speaker 3: No, I never heard of that. Is that like a
Speaker 3: Joyce Leslie.
Speaker 2: I don't know what that is, but that's like the
Speaker 2: cheapy like it's like Joyce Leslie.
Speaker 3: What, Yeah, I know it's a it's a cheapy like
Speaker 3: clothing store.
Speaker 2: Oh No, Zaxby's is the fried chicken spot that we
Speaker 2: would hit up after school.
Speaker 3: Mmmm that you just called back the chicken the chicken
Speaker 3: shack up here?
Speaker 2: Yeah? Well, thank y'all for your questions again. Hit us
Speaker 2: up at Brannabission Podcast at gmail dot com with your questions.
Speaker 1: It's time for boost a boost and every boost in
Speaker 1: a break.
Speaker 3: I've been the boosts.
Speaker 2: What about you, Managra, I'm gonna do a boost too
Speaker 2: quick boost.
Speaker 3: Do you want to go first?
Speaker 2: Let me go first. Mine's really quick. I want to
Speaker 2: do a quick boost to the classic film, uh, nine
Speaker 2: to five, which I know Tiff always teaches me about
Speaker 2: not being up on my historical pop culture knowledge from
Speaker 2: the eighties, but I must say, I I've loved like
Speaker 2: Grace and Frankie so much. Like I didn't know a
Speaker 2: show about two old ladies left by their husbands who
Speaker 2: found out that they were gay and you know, in
Speaker 2: a relationship together for decades. I didn't know it would
Speaker 2: be so good, but I love the show is so funny,
Speaker 2: and like Lily Tomlin, who plays Frankie was Miss Frizzle,
Speaker 2: who I didn't make that connection until I started googling
Speaker 2: her after Grace and Frankie, and I was like, Miss
Speaker 2: Frizzles has a loop company.
Speaker 3: It's amazing.
Speaker 2: And Miss Frizzle like makes old people vibrators is awesome.
Speaker 2: So I decided to go back and watch like their
Speaker 2: very first film they did together, which was nine to five,
Speaker 2: which you know, with Dolly Parton, Jane Fonda, Lily Tomlin.
Speaker 2: It's about three like middle aged women who are basically
Speaker 2: office secretaries. And I got to say it, it's sad
Speaker 2: but true and kind of awesome, but mostly sad that
Speaker 2: the movie is still so damn relevant, Like, I mean,
Speaker 2: this guy could have been named Harvey, essentially their boss
Speaker 2: in the in the movie. I mean, it's really funny
Speaker 2: and fantastical, but shout out to them for making that
Speaker 2: movie in the in the early eighties. I don't think
Speaker 2: there's anything like that even now.
Speaker 3: So it was dope. And I is that all the
Speaker 3: song working now? Too bad? Yeah?
Speaker 2: Yeah, Dolly, I'll learn the words eventually. But you can
Speaker 2: watch that yourself on Hulu if you have Hulu. That's
Speaker 2: where I found it. Good stuff.
Speaker 3: Yeah, I'm like Dolly Parton.
Speaker 1: There's actually a really good movie on Netflix which called
Speaker 1: where It's like The good Man.
Speaker 3: Wasn't it so good? It was? It was? I really
Speaker 3: liked it. It was.
Speaker 1: It was one of those I can't go to sleep,
Speaker 1: so I want like something really sweet to wear before
Speaker 1: I go to sleep, so I'm sleep to watch and
Speaker 1: so it was so good.
Speaker 3: If you haven't watch Dumpling on Netflix, you're missing out
Speaker 3: big beautiful Yes, let's say yes.
Speaker 1: All right, So my boost actually is posted on our
Speaker 1: IG page. If you're not familiar, Get Familiar Brown Ambition podcasts,
Speaker 1: you can find us on IG.
Speaker 3: So let's see.
Speaker 1: So there's an article by the Washington Post the Secret
Speaker 1: success for Women. A new study advises that don't network
Speaker 1: like a man. So in the study, they found that
Speaker 1: seventy seven percent of the highest achieving women had strong
Speaker 1: ties with an inner circle of two to three other women.
Speaker 1: The lowest achieving women had a male dominant network and
Speaker 1: weaker ties with other women in their network. So you
Speaker 1: know what that means. It means a girl power is everything.
Speaker 1: And so I can attest to that, like, you know,
Speaker 1: like my closest network really is women and we lean on.
Speaker 3: Each other and you know, we we help each other out.
Speaker 1: And so no, I think that that's just awesome because
Speaker 1: you know, like they would have you believe that in
Speaker 1: order to get ahead you have to kind of like think,
Speaker 1: maneuver and connect yourself with men more so than women.
Speaker 3: So it's nice to know that that's not true.
Speaker 2: Yeah, one hundred percent. I think we talked about that
Speaker 2: a lot, but I feel like, yeah, I mean, there
Speaker 2: is the assumption that to get ahead you have to
Speaker 2: be a certain way. But I just I found this
Speaker 2: so motivating because it's what I've been, It's what I've
Speaker 2: just naturally always done, which is gravitate toward a small
Speaker 2: circle of women, professional women, you know, personal relationships with women.
Speaker 2: I just always have been more inclined to have a
Speaker 2: few really good relationships versus having a million associates and
Speaker 2: like getting coffee with people every day and that kind
Speaker 2: of thing. And it was just really me. It just
Speaker 2: be like, Okay, I'm doing okay. And I think one
Speaker 2: of the reasons is that the quality of my relationship
Speaker 2: relationships with women in my circles is so strong. And
Speaker 2: you don't know where the people you know you're hanging
Speaker 2: out within college you're going to end up. So to
Speaker 2: really invest in those relationships early, it's like a form
Speaker 2: of investing, you know, I will say, like an investment
Speaker 2: because as they rise, hopefully if you have good relationships,
Speaker 2: they will want to rise help you rise too, or
Speaker 2: in turn, like you can be the one helping them,
Speaker 2: and then that may pay dividends. You know, I don't
Speaker 2: know where I'll be a decade from now. Maybe I'll
Speaker 2: be out of a job and then I'm like, hey, Tiffany, like,
Speaker 2: I need, you know, can I be the you know,
Speaker 2: the whatever at the budget needs to ink and hopefully
Speaker 2: she give me a job. But that those types of
Speaker 2: relationships means so so much. You were very quiet when
Speaker 2: I said I'm very qualified.
Speaker 3: I'm going to review your resume because you know I'm not.
Speaker 3: Really you were too quiet.
Speaker 2: Still his wedding.
Speaker 3: Yeah, honestly, I was looking.
Speaker 1: I was like, oh, I was looking at all the
Speaker 1: awesome responses under the picture. Honestly, I really love when
Speaker 1: you guys hit us up on social and so, yeah,
Speaker 1: our Instagram is brown and yeah Brown Ambition Podcast. So
Speaker 1: please continue that. We love when you hit us up
Speaker 1: there because it just makes us realize that, you know,
Speaker 1: there's a community out there. Sometimes, you know, most times, honestly,
Speaker 1: it's just me and Mandy talking. Sometimes we have to
Speaker 1: forget and we're like, wait, we should start recording, you know,
Speaker 1: because you know, we were friends in real life, and
Speaker 1: so it's just nice to know that we have other friends.
Speaker 1: I can't I didn't even tell you, Mandy. Like the
Speaker 1: other day, I was, I met with dream Catchers in
Speaker 1: New York to just go hang out. And a friend
Speaker 1: of mine has a a a business, a juice kind
Speaker 1: of like I guess a juice restaurant, juicing restaurant, healthy restaurants,
Speaker 1: Moodie restaurant. And so one friend gave me this idea
Speaker 1: that you make a run on black businesses, so you
Speaker 1: basically call all of your friends and say, hey, we're
Speaker 1: going to support this business today. So we did that
Speaker 1: with the Dream Catches in New York. It was like
Speaker 1: fifty women came to this juice bar and.
Speaker 3: We all ordered like you know, juice or salad or whatever.
Speaker 1: It just gave her a lot of business exposure and
Speaker 1: then we just got to hang out.
Speaker 3: And so one of the women was like, I'm gonna give.
Speaker 1: You a hug.
Speaker 3: This is for Mandy. I know you don't hug, but
Speaker 3: Mandy dads and I just thought like, oh, I just
Speaker 3: love it.
Speaker 2: I know that that's how they get you.
Speaker 1: So like, I just love that you guys do that that,
Speaker 1: Like when you see me out that you're like tell Manby,
Speaker 1: I said, Hi, give me Mandy hug. Sorry, girl, you
Speaker 1: just gonna have to pass it on through. So it
Speaker 1: just makes me feel really good to know that we've
Speaker 1: got this dope listenership that you guys have been writing
Speaker 1: with us for like over three years now.
Speaker 2: Right, Yeah, it's kind of crazy.
Speaker 1: I know, like literally, I remember when we went on
Speaker 1: our first little you know, rendezvous walk in New New
Speaker 1: Orleans and getting.
Speaker 3: To know each other like hey, hey, how you do?
Speaker 3: Not good? And then next thing, you know, we have
Speaker 3: a podcasts.
Speaker 2: Just two women making something happen. I know. Let me,
Speaker 2: let's read some of the comments from our listeners, like
Speaker 2: on the.
Speaker 3: Post, Yeah, let's to do that. My bad, I was
Speaker 3: supposed to do that.
Speaker 2: I'm just help. I'm just helping you.
Speaker 3: Back to mother, all right.
Speaker 1: So, Tatuiana neck One says, Lately, everything I do goes
Speaker 1: to tell me how important my circle is. I've gone
Speaker 1: through so many years either with no circle or the
Speaker 1: wrong circle. I'm working on myself and my new circle
Speaker 1: of friends and business associates. I want my network to
Speaker 1: be beneficial and prosperous for each of us in the circle.
Speaker 1: Thank you for this information. It definitely explains a lot.
Speaker 1: Oh that's awesome, Tatiana. So yeah, I mean you guys,
Speaker 1: that's really awesome comments you attacking your friends in this
Speaker 1: saying that I feel like you do this already. I
Speaker 1: see this old just flashes like I love this. That's
Speaker 1: how we will make it all happen. So yeah, it's
Speaker 1: just been Yeah, it's just I just love the response
Speaker 1: to this post, and just keeping in mind that you don't.
Speaker 3: Have to be less woman in order to be successful.
Speaker 1: As a matter of fact, the more woman you are,
Speaker 1: meaning like standing in how you show up, the more
Speaker 1: successful you're likely to be.
Speaker 2: Yeah, well, thank y'all. On the Instagram, you can hit
Speaker 2: us up. It's at Brown Ambition Podcast on the Gram
Speaker 2: and on Twitter we are at the BA podcast. We're
Speaker 2: also on Facebook, so.
Speaker 1: Yeah, Brown and Bishing on Facebook, so we ch out.
Speaker 1: We love to hear me, y'all. We love Y'allparobo.
Speaker 2: You guys are all right. I'd hug you on the street.
Speaker 3: Yeah, exactly, she woulded.
Speaker 1: I would often the stand beside and wave and be like,
Speaker 1: please don't touch you now.
Speaker 3: I mean I would hug, but you know, under Durest