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Speaker 1: HEYBA fam, it's Mandy here. Oh it's kind of sad

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Speaker 1: for me to be doing the intro for the last

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Speaker 1: show of twenty twenty, but honestly, there's so much to

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Speaker 1: celebrate about this year, there's also so much to mourn.

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Speaker 1: And let me just be the one to say, you

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Speaker 1: have permission to feel however you feel right now. Okay,

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Speaker 1: thank you so much for being a part of the

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Speaker 1: Brand Ambition family this year of all years, and I

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Speaker 1: am delighted to bring to you our last show of

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Speaker 1: twenty twenty. It is our Conversation, a look back at

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Speaker 1: our conversation rather with just Breach seeing the founder of

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Speaker 1: Minority Mindset. Minority Mindset is not just an amazing YouTube

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Speaker 1: channel that everyone should go subscribe to you like right

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Speaker 1: now and don't forget to tell them BA sent you,

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Speaker 1: but it's also a newsletter and just an all around

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Speaker 1: source of financial literacy. Just brit is so inspirational and

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Speaker 1: he is so good y'all, Like for real, He's amazing

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Speaker 1: at explaining different concepts, whether it be investing, buying real estate,

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Speaker 1: starting a business, or just starting a budget. Honestly, we

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Speaker 1: cannot recommend him more and we hope that you enjoy

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Speaker 1: our conversation with just Brit. Happy new Year, Please take care,

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Speaker 1: be well and we'll see y'all next year.

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Speaker 2: Hey, hey, hey, I can't contain my excitement. Okay, Hey, Mandy,

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Speaker 2: how you doing.

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Speaker 1: I'm so good. How are you, Tiffany?

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Speaker 3: Oh my goodness.

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Speaker 2: I honestly don't think I've ever been this excited before

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Speaker 2: to tape our podcast. I mean, I'm always excited. Speaking

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Speaker 2: of which sidebar, I went to a children's birthday party

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Speaker 2: this weekend.

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Speaker 1: Wait and want to be a hanging like that?

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Speaker 2: No, and it's real quick, because this is important. And

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Speaker 2: I went to this children's birthday party.

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Speaker 3: I walked in. This lady said, I was just listening

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Speaker 3: to brand ambition and tell me Andy.

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Speaker 2: I said hi, And I was like, what at this

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Speaker 2: nine year old birthday party? I just had to tell

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Speaker 2: you that that she said Hi. She was really nice.

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Speaker 2: But it's just yeah, so we're everywhere, just to tell

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Speaker 2: you we're at children's birthday parties. So yes, I'm excited

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Speaker 2: because we have a special guest today and I can't

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Speaker 2: even focus on anything else.

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Speaker 1: I did not know what a stand you were.

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Speaker 2: What this is I'm trying to think is to anybody

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Speaker 2: in the finance world that I want to like talk

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Speaker 2: to more, isn't h Actually he's definitely top three for me.

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Speaker 2: I don't even know the other two. Like, I don't

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Speaker 2: even know the other two. I'm just saying top three

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Speaker 2: because I don't want to see him crazy by saying

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Speaker 2: my number one.

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Speaker 1: Well, I'm so excited too, you guys should I let's

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Speaker 1: let's let's get to it. Our guest today is the

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Speaker 1: fabulous just Breet Sing, the founder of the Minority Mindset,

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Speaker 1: which has basically become like a financial education empire. If

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Speaker 1: we can, yes, we can say that Sure started as

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Speaker 1: a YouTube channel four or five years ago. Hmmm. Also

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Speaker 1: celebrating our five year anniversary. So I feel like our

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Speaker 1: journeys have been in tandem. But Just Bread started his

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Speaker 1: YouTube channel in twenty fifteen. It has blown up. He's

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Speaker 1: got hundreds of thousands of subscribers, he's got a massive

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Speaker 1: Instagram following. But he also has really at the heart

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Speaker 1: of Minority Mindset is financial education. So he has a

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Speaker 1: very successful blog, a newsletter that I actually signed my

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Speaker 1: husband up for, you know how, Like I was like, babe,

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Speaker 1: listen to you know, get this newsletter, and I just

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Speaker 1: like put an email in Now he loves his newsletter.

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Speaker 1: I feel like next to Robin Hood Snacks and the

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Speaker 1: Minority Mindset newsletter, I'm set for the day. Yeah, I

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Speaker 1: got my you know, I got my financial news all covered.

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Speaker 1: So just is here with us? Can't we to tell?

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Speaker 2: Oh my gosh, if the word geeked was in the dictionary,

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Speaker 2: it'd be my face right now.

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Speaker 1: Like.

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Speaker 2: Okay, you have no idea, like bothered, I loved as

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Speaker 2: you have no idea?

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Speaker 3: What another? Yes?

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Speaker 2: Well you know what it is I love about him

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Speaker 2: is that one another brown financial educator who actually educates,

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Speaker 2: Like he has this passion for teaching and you know,

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Speaker 2: like the teacher me, I'm like a teacher snob. So

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Speaker 2: I can tell when someone's a good teacher and actually cares.

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Speaker 2: You could tell one that he really cares too. He's

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Speaker 2: a really good teacher because he takes these concepts that

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Speaker 2: can be really overwhelming and daunting and makes them easy

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Speaker 2: to understand.

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Speaker 3: And what I really love is that Jossprey his.

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Speaker 2: Information is different in that like I focus on like

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Speaker 2: basic financial education like budgeting and saving and debt, and

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Speaker 2: someone like Sandy's side hustles, and someone like Tela sucks,

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Speaker 2: But Joshpree really hones in on like economics. He's like

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Speaker 2: an economics professor that is fun and engaging and you

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Speaker 2: get to learn about like money in this personal sense,

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Speaker 2: but what does it mean out there in the world,

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Speaker 2: and then how do you bring it back to you?

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Speaker 2: Like I've never I've never seen that before, you know,

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Speaker 2: all the financial educators that I've seen, in the way

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Speaker 2: that someone can teach modern economics in the way that

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Speaker 2: it's personal. So yeah, I just screaming. I'm gonna calm

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Speaker 2: down now, like when he's on, I'm not going to

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Speaker 2: be normal. I'm going to be normal.

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Speaker 1: Well, if you don't yet, go and follow Josh Breed's

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Speaker 1: YouTube channel. It's the Minority Mindset and he will let

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Speaker 1: him explain the meaning behind the minority mindset. May not

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Speaker 1: be what you think, but it's one of my favorite

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Speaker 1: things about his channel and really his point of view,

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Speaker 1: which I'm really interested to talk about. And he and

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Speaker 1: Tiffany have like everything in common, so I think we're

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Speaker 1: like a little financial guru. Matchmaking is happening here, you know,

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Speaker 1: not like that.

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Speaker 3: Like no, likee like my friend, he's my friend brother.

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Speaker 1: Yes, Josh Bred's going to talk about how he got

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Speaker 1: his start in financial literacy education, and like anyone that

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Speaker 1: we know in this business, it started with kind of

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Speaker 1: a sad story, but he bounced back and now he

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Speaker 1: is bringing his education to the masses, and we're going

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Speaker 1: to talk with him next on the show. Before we

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Speaker 1: do that, what about us tivity? These days?

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Speaker 3: I don't even know. I'm like, who cares? And I'm

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Speaker 3: just doing? What is going on? Honestly, I don't know.

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Speaker 3: You know, I'm not gonna lie.

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Speaker 2: I'm so distracted. I'm like, what's going with my life?

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Speaker 2: I'm breathing, I ate, but yeah, I honestly.

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Speaker 1: We're laboring on labor Day? What's wrong with us?

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Speaker 3: I know it's okay though, that's fine, it's for a

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Speaker 3: good cause. But what about you?

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Speaker 2: What's going I can't even think of anything new in

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Speaker 2: my life right now other than this, So what about you?

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Speaker 1: I usually rely on you for all the excitement. My parents, well,

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Speaker 1: my mom and my stepdad were in town all week long,

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Speaker 1: and I feel like I barely saw them because of course,

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Speaker 1: I was taking advantage of all that free childcare to

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Speaker 1: do as much work as I possibly could, and part

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Speaker 1: of that week I spent working on the show. You guys,

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Speaker 1: we are so close. The brun Ambition merch Store is

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Speaker 1: like ninety nine point nine percent ready to go. In fact,

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Speaker 1: maybe by this week's episode there will be a place

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Speaker 1: where you can finally get your Brown Ambition t shirts,

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Speaker 1: okay and onesies. There may be a coffee mug, there

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Speaker 1: may be a tote bag. We'll see. So I've been

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Speaker 1: working on the virtual store, let's see. On top of

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Speaker 1: booking today's esteemed guests, just saying I also booked a

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Speaker 1: couple other guests. Tiffany, he asking you I did this

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Speaker 1: month is going to be major. So we have Lynette

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Speaker 1: Californi Cox rejoining.

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Speaker 3: Our lib right.

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Speaker 1: She's like the og guest of Brown Ambition, and I

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Speaker 1: figured there was no better way to celebrate our upcoming

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Speaker 1: five year anniversary than having one of our faves back

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Speaker 1: on the show. But Lynette is going to talk about

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Speaker 1: all about how she and her husband Earl. I don't

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Speaker 1: know if you follow them on Facebook, but every other

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Speaker 1: week she's like, we just buy our Batman property. Yes,

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Speaker 1: they make six of you know, our six property.

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Speaker 3: Yeah.

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Speaker 1: So I'm like, Lynette, you have got to and she

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Speaker 1: hasn't really, you know, been talking about their journey to

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Speaker 1: real estate, you know, uh, entrepreneurship. So I'm really excited

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Speaker 1: to have her, and We're going to focus all about

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Speaker 1: because we do get these questions a lot from listeners.

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Speaker 1: You know, what do you guys think about, you know,

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Speaker 1: investing in real estate and having an income proper and

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Speaker 1: how that all works. But Lynette is really doing it,

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Speaker 1: So I'm excited to have her on. I think she's

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Speaker 1: gonna be on in a couple of weeks. And then

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Speaker 1: we also have doctor Emani. She's from a show called

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Speaker 1: Married to Medicine, and she's going to be joining us

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Speaker 1: to talk about mental health. As you guys know, like

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Speaker 1: we're all we're just I mean, Tiffany and I are

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Speaker 1: pretty transparent about, you know, what we do to cope

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Speaker 1: with life, and therapy has been a big part of

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Speaker 1: my life and I know right now in this in

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Speaker 1: these crazy times, mental health is so important and doctor

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Speaker 1: Emani is a black woman in mental health really helping

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Speaker 1: to remove the stigma. And we're gonna have her on

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Speaker 1: to talk about how we can all cope with the

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Speaker 1: insanity of today's world a little bit better. So look

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Speaker 1: out for an interview with doctor IMMANI coming up in

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Speaker 1: September as well.

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Speaker 3: Yeah, we're busy beavers.

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Speaker 1: Busy beavers. I know, how do you feel about five years?

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Speaker 3: Jessfree just messes me, he said, Hey, Tiffany, it's Jaspree.

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Speaker 1: Okay, I'm done. You distracted. I can't even talk to

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Speaker 1: you right now, all.

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Speaker 3: Right, I'm just I'm gonna screenshot it so i can't

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Speaker 3: ride cool.

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Speaker 1: Dang now, I'm not to play it cool.

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Speaker 3: You will, girl, It's always to me, I'm not playing

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Speaker 3: it cool. I'm gonna fan out.

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Speaker 2: Okay, No, but yes, are we do have a biogram

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Speaker 2: or that was basically we're gonna.

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Speaker 1: Talk basically the bio Did I not do No?

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Speaker 3: No, you did get a job.

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Speaker 1: I'm sorry.

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Speaker 3: I'm just flustered.

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Speaker 2: And for those of you who are like, oh my god,

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Speaker 2: no there is I mean, just you know, I guess

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Speaker 2: he's a good looking guy.

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Speaker 3: It ain't about that.

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Speaker 2: It's just to find somebody who's like a kindred spirit

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Speaker 2: in financial education is not an easy thing. So yeah,

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Speaker 2: that's what I'm just so geeked aback because it's like

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Speaker 2: this is somebody who I really listen to and think, like, wow,

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Speaker 2: I've learned so much because I'm to me, a good

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Speaker 2: teacher is a better learner, a better student, and so

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Speaker 2: like you know, through him, I've been able to just

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Speaker 2: learn so much.

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Speaker 3: So it just feels like, oh my god, my teacher's here.

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Speaker 1: So I'm excited. Okay, well let's get to it. Let's

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Speaker 1: take a quick break. Tiffany needs to get a glass

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Speaker 1: of water, maybe like reapply her to yodorant. And I

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Speaker 1: feel I can like feel this wedding. I'm alright, be

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Speaker 1: right back with jaspered saying from the minority mindset.

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Speaker 3: And we're back.

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Speaker 2: So you guys heard my intro. Joss Breed has not

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Speaker 2: heard my intro yet, so he's not properly embarrassed as

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Speaker 2: he will be later. I am so excited, I mean

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Speaker 2: because they don't ever hear me. I mean, I'm excitable easily,

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Speaker 2: but they don't hear me. Gush about another financial educator.

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Speaker 2: But I'm super geeked because to find some one who

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Speaker 2: is it's excited about personal finance as I am. But

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Speaker 2: also it's a really good educators. Brie, I used to

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Speaker 2: be a school teacher for ten years before I started

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Speaker 2: the Budgetnissa.

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Speaker 4: Oh wow, that's amazing, and so just.

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Speaker 2: Like listening to your your your your YouTube channel literally

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Speaker 2: every morning.

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Speaker 3: It's like one of the ways I start my day.

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Speaker 4: I've gotten that's awesome.

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Speaker 2: Like all my sisters listen, especially my sister Carol, so

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Speaker 2: much so that my three year old niece Amelia is like, just.

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Speaker 3: Free I get.

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Speaker 4: Oh my god, that's awesome. Yeah.

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Speaker 3: So I'm just really excited. You are awesome and amazing.

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Speaker 2: And if you guys have not subscribed to his YouTube channel,

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Speaker 2: we highly encourage it. It's minority mindset on YouTube. And yeah,

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Speaker 2: let's get this party started.

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Speaker 4: You are awesome. Thank you so much.

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Speaker 1: Loved we're all having on the show. I think Tip

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Speaker 1: and I have both been kind of fanning out or

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Speaker 1: standing out for you for a while, and let me

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Speaker 1: realize we both watch you, so we had to have

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Speaker 1: you on. Just I want for people who don't know

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Speaker 1: about the minority mindset and what that means, can you

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Speaker 1: just quickly explain what you mean by the minority mindset

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Speaker 1: and how it applies to your financial philosophy.

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Speaker 5: Yeah, So, the minority mindset has nothing to do with

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Speaker 5: the way you look, your ethnicity, or your skin color.

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Speaker 5: It's the mindset of thinking differently than the majority of

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Speaker 5: people when it comes to your money. So I say, like,

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Speaker 5: the majority people have what I call like a consumer

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Speaker 5: mindset spend spend spend. I try to teach and help

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Speaker 5: people develop more of a minority investor mindset where it's

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Speaker 5: more of, Okay, how do I use my money as

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Speaker 5: a tool to kind of help build my wealth and

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Speaker 5: start of making everybody around me rich?

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Speaker 3: Now we love that. How did you get into teaching

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Speaker 3: financial education?

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Speaker 5: Like?

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Speaker 1: How?

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Speaker 2: Because I know you are an attorney by or by trade,

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Speaker 2: and I love the fact that you're always like, you know,

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Speaker 2: I'm an attorney, but I'm not your attorney.

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Speaker 3: I'm like such an attorney thing to.

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Speaker 2: Say, like, don't suit me, so your grandma? But yeah,

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Speaker 2: so how are you still an actively practicing attorney?

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Speaker 3: But yeah, how did you make that transition?

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Speaker 1: So?

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Speaker 5: Uh no, I do not actively practice in that sense.

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Speaker 5: It was kind of so. I grew up in a

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Speaker 5: very traditional Indian household. When I was growing up, I

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Speaker 5: was told that I need to become a doctor. That

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Speaker 5: was kind of like the only thing that I was taught,

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Speaker 5: like from the day I was born. I was taught

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Speaker 5: to study science and math so that way I can

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Speaker 5: get into medical school and When I say that my

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Speaker 5: parents were strict about me getting into medical school, I

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Speaker 5: mean they were very, very, very strict. Like when I

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Speaker 5: was in eighth grade, my parents got me a tutor,

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Speaker 5: not to help me with my English class that I

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Speaker 5: was struggling with, but to help me get into medical school.

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Speaker 5: They got me an MCAT tutor, which is the thing

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Speaker 5: that people take to get into medical school when they're

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Speaker 5: finishing college. So my parents were very serious about me

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Speaker 5: going into medicine. But I've always sort of had this

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Speaker 5: like entrepreneurial mindset. When I was in high school, I

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Speaker 5: started working at weddings. I used to play this Indian

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Speaker 5: drum called the Old and I would play this at

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Speaker 5: weddings and I got to know a lot of DJs.

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Speaker 5: And then my junior and senior year in high school,

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Speaker 5: I started actually hosting teen parties for kids in my

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Speaker 5: high school. And this was kind of my first real

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Speaker 5: exposure to entrepreneurship. And I went to college thinking that

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Speaker 5: everybody goes to college to study, Like I thought, people

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Speaker 5: would spend the Friday nights in the chemistry lab doing reactions.

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Speaker 4: And doing things like this, and everybody was partying.

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Speaker 5: Now I don't. I never drink. I was never really

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Speaker 5: into partying. It was more just a business for me.

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Speaker 5: But I needed something to do on Friday nights. So

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Speaker 5: I took my high school kind of teen party business

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Speaker 5: into college and I started this college party business. And

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Speaker 5: that's when I really started developing this minority mindset because

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Speaker 5: the majority of people were partying and blowing all their

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Speaker 5: money at parties, and all of a sudden, now I

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Speaker 5: was making pretty decent money in college without a degree,

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Speaker 5: because I don't know that was possible. And that's when

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Speaker 5: I started thinking, Wow, what happens when you think differently

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Speaker 5: than the majority of people. So I never grew up

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Speaker 5: learning about money. I never grew up learning about entrepreneurship.

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Speaker 5: I never grew up learning about business. I actually had

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Speaker 5: to do all of this kind of like in secret,

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Speaker 5: because I don't want my parents to know that I

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Speaker 5: was doing business right. I needed them to think that

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Speaker 5: I was going to become a doctor. And so now

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Speaker 5: I was starting to make money and I had money

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Speaker 5: in the bank for the first time, and so I

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Speaker 5: started reading books about investing, and that's when I started

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Speaker 5: learning more about real estate investing, in stock market investing,

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Speaker 5: and that's when I started learning all this stuff about

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Speaker 5: money that I had never been exposed to before. So

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Speaker 5: it was like this kind of like almost like mind

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Speaker 5: shock because I don't even know this world of like

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Speaker 5: money management and investing in passive income even existed.

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Speaker 1: So are we we're not outing you to your parents

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Speaker 1: right now? Or do they do they know who you are?

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Speaker 1: Just free? Did they know? Do they know about the

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Speaker 1: manumity mindset?

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Speaker 4: They know?

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Speaker 1: No?

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Speaker 4: Yeah, it was how do they feel about it? Now?

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Speaker 4: They love it? You know. Now It's like at first

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Speaker 4: it was a big shock.

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Speaker 5: It took my mom years to really get over that

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Speaker 5: idea that her son wasn't going to become a doctor.

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Speaker 5: But now they're like, wow, okay, so I guess this.

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Speaker 5: This did work. So it took some time, but you know,

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Speaker 5: it was one of those things where you know, my

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Speaker 5: parents were never exposed to it either. You know that

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Speaker 5: like most of us, I don't think we're ever exposed

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Speaker 5: to financial education, money management and investing, so we don't

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Speaker 5: know what that even means or that what that entails.

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Speaker 1: Do you find that they come to you for advice? Now?

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Speaker 1: Are you the family financial guru?

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Speaker 3: Oh?

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Speaker 4: Yeah, yeah, one hundred percent.

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Speaker 5: So I'm help with my dad, because you know, all

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Speaker 5: of a sudden, it's like, what is retirement, how do

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Speaker 5: you plan for retirement?

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Speaker 4: What is investing?

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Speaker 5: So I've been helping my dad with all of that,

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Speaker 5: and you know, it's it's funny how things have kind

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Speaker 5: of come full circle because in the beginning, they're like,

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Speaker 5: you know, don't worry about money. If you just get

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Speaker 5: a good job, then nothing else matters. But now it's like, wait, no,

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Speaker 5: it doesn't work like that. You have to understand your

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Speaker 5: money if you want to be able to live a

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Speaker 5: good life no matter what you do.

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Speaker 3: No, and just I can totally relate.

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Speaker 2: My parents were born and raised in Nigeria, and it

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Speaker 2: was like you could be a doctor, a lawyer, a pharmacist.

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Speaker 3: Everything else is a drug dealer.

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Speaker 2: Yeah, so they were delighted when I became a school teacher,

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Speaker 2: absolutely thrilled. They were just like, what you're dealing drugs now?

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Speaker 2: So now they love the fact that I'm a budgetista.

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Speaker 2: But it took many, many years and success for them

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Speaker 2: to be okay with it.

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Speaker 4: I get it, I get it.

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Speaker 5: Yeah, It's just one of those things where you know,

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Speaker 5: it's just it's not something we're used to. It's out

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Speaker 5: of the ordinary, right, but it's so important, and I

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Speaker 5: think a lot of people don't get that, Like, you

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Speaker 5: can do whatever you want if you understand money. I mean,

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Speaker 5: at that point, if you have the income and you

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Speaker 5: have the resources to support it, then you know you

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Speaker 5: have no no, nothing holding.

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Speaker 1: You back, all right, and you wish so much that

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Speaker 1: you had known it when you were younger. What are

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Speaker 1: some of the Well I kind of know the answer

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Speaker 1: this question already, and in fact, the party your story

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Speaker 1: that I love the most is similar to Tiffany's story

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Speaker 1: and how she started, which Tiffany talked about people again,

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Speaker 1: of course, sort of your story and how you I

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Speaker 1: don't know what you call a business scam? What happened

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Speaker 1: to you earlier?

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Speaker 2: Yeah, a scam? So a quote unquote air quotes. I

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Speaker 2: know a friend of mine, but that's okay because he's

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Speaker 2: in jail now.

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Speaker 3: Hey, jail friend. Oh wow, So it was a scam.

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Speaker 2: I was in my twenties, and that's back when you

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Speaker 2: believe that when people look like they have money, they

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Speaker 2: have money. And so I wanted. I was a preschool teacher.

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Speaker 2: I was really good at saving, really good at budgeting.

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Speaker 2: I saved like half my income every year and I

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Speaker 2: bought a condo when I was twenty five. I was

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Speaker 2: what I called financially perfect, right, so great credit score savings.

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Speaker 2: But I honestly, my father was a cfo in an

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Speaker 2: accountant of a small nonprofit, so I grew up with

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Speaker 2: financial education, so I was just doing what he told

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Speaker 2: me to do. I was not I didn't have any

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Speaker 2: real knowledge. I was just like, well, what do I

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Speaker 2: do next, you know, like the dutiful, you know, immigrant

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Speaker 2: second first generation daughter, right right. And then one day

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Speaker 2: I said, I'm going to take it into my own hands,

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Speaker 2: and I reached out to a friend who I thought

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Speaker 2: was wealthy, and he subsequently scanned me and it left

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Speaker 2: me thirty five thousand dollars in credit card debt, in

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Speaker 2: which I never had yes credit card debt before. I

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Speaker 2: didn't even tell my parents until literally years later into

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Speaker 2: my thirties.

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Speaker 4: Wow.

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Speaker 3: I was so like.

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Speaker 2: Afraid, you know, and ashamed honestly, So yeah, that was

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Speaker 2: what triggered. So as I was digging my way out

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Speaker 2: other friends, it happened right before and really right during

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Speaker 2: the two thousand and eight two thousand and nine with sessions.

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Speaker 2: So it's like the worst luck. So I lost my job.

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Speaker 2: I had the scam. Now I'm going to foreclosure. It

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Speaker 2: was everything that could go wrong went wrong. But as

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Speaker 2: I was fixing myself, I realized that there were other

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Speaker 2: people that were struggling too. So the teacher in me

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Speaker 2: was like, well, Tiffany, you teach why not just help

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Speaker 2: your friends? And then they brought their friends and they

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Speaker 2: brought their friends. So that was like the advent of

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Speaker 2: the budgetista my business. And Mandy said, you experienced like

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Speaker 2: a scam that kind of triggered your journey to financial education.

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Speaker 5: Yeah, well, well, first off, that sucks. I you know,

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Speaker 5: stories like that are always you know, it's great that

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Speaker 5: you had that entrepreneurial mindset where it's just like, you know,

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Speaker 5: what do I do about this? Instead of complaining about it,

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Speaker 5: doing something about this, So props to you. That's that

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Speaker 5: was amazing for me. It was actually very similar. I've

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Speaker 5: always been that entrepreneur person too, and kind of didn't

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Speaker 5: really have much guidance, never really had someone to talk

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Speaker 5: to about entrepreneurship or money management or investing. And I

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Speaker 5: had this sock business that I started and I was

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Speaker 5: getting ready to launch it, and this marketing company came

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Speaker 5: up to me. And they were like, hey, let us

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00:20:10,119 --> 00:20:12,320
Speaker 5: handle your marketing and we're going to get you all

438
00:20:12,320 --> 00:20:15,520
Speaker 5: the sales, all this marketing, and we guarantee you're going

439
00:20:15,560 --> 00:20:17,800
Speaker 5: to see all the success and if you don't, we

440
00:20:17,880 --> 00:20:21,240
Speaker 5: will give you all your money back. So I was skeptical, naturally,

441
00:20:21,320 --> 00:20:24,359
Speaker 5: but you know, this kind of money back guarantee was reassuring.

442
00:20:24,440 --> 00:20:26,199
Speaker 5: So I was like, all right, you know what do

443
00:20:26,240 --> 00:20:28,919
Speaker 5: I got to lose? So I handed these guys a

444
00:20:28,920 --> 00:20:31,000
Speaker 5: lot of money. It wasn't thirty five thousand dollars, but

445
00:20:31,040 --> 00:20:32,520
Speaker 5: it was a lot of money to me at the time.

446
00:20:33,160 --> 00:20:36,080
Speaker 5: And the day after I sent them the money, I

447
00:20:36,119 --> 00:20:38,439
Speaker 5: was in the gym and I remember this because I

448
00:20:38,520 --> 00:20:41,320
Speaker 5: was I really like working out. I'm a big gym person,

449
00:20:41,680 --> 00:20:43,360
Speaker 5: and so I started to kind of get this weird

450
00:20:43,359 --> 00:20:45,520
Speaker 5: feeling in my stomach as I was doing the chest fly,

451
00:20:46,200 --> 00:20:48,000
Speaker 5: and I was like, I don't know, something just doesn't

452
00:20:48,000 --> 00:20:49,720
Speaker 5: feel right in me. So I called up the guy

453
00:20:49,760 --> 00:20:52,520
Speaker 5: that I gave the money to, like twenty four hours later,

454
00:20:53,119 --> 00:20:55,080
Speaker 5: and I was like, hey, man, I know that I

455
00:20:55,080 --> 00:20:57,320
Speaker 5: said that you guys would do the marketing, but you know,

456
00:20:57,720 --> 00:21:00,000
Speaker 5: let's just cancel it right now before you guys actually

457
00:21:00,040 --> 00:21:02,639
Speaker 5: spend any money on advertising and marketing. I want to

458
00:21:02,640 --> 00:21:04,400
Speaker 5: do a refund. I want to do it all myself.

459
00:21:04,440 --> 00:21:06,120
Speaker 5: So let's just end it before you guys spend any

460
00:21:06,119 --> 00:21:08,320
Speaker 5: money that way. You know, no hard feelings, let's just

461
00:21:08,400 --> 00:21:10,479
Speaker 5: kind of move on. So he's like, all right, no problem.

462
00:21:10,560 --> 00:21:12,919
Speaker 5: He puts me on hold, and I was getting really

463
00:21:12,920 --> 00:21:15,880
Speaker 5: irritated because you know, I'm it's just like delaying my workout.

464
00:21:16,200 --> 00:21:18,200
Speaker 5: This has taken a lot longer than expected because I'm

465
00:21:18,520 --> 00:21:21,040
Speaker 5: I'm on hold for like a long time now, and

466
00:21:21,520 --> 00:21:26,679
Speaker 5: eventually the phone just goes beep beep, beep be So

467
00:21:26,760 --> 00:21:28,879
Speaker 5: I was like, yeah, something's wrong. So I called up

468
00:21:28,880 --> 00:21:31,120
Speaker 5: the other two numbers that I had. Nobody picks up,

469
00:21:31,960 --> 00:21:34,359
Speaker 5: Nobody emails me, no one responds to me. Everyone stops

470
00:21:34,480 --> 00:21:37,159
Speaker 5: responding to every single message that I have. So I

471
00:21:37,200 --> 00:21:39,520
Speaker 5: contact an attorney and I found out I was scammed.

472
00:21:40,440 --> 00:21:42,680
Speaker 5: So I was like, all right, what do I do now?

473
00:21:42,880 --> 00:21:44,879
Speaker 5: You know, I launched the business. We had an amazing launch.

474
00:21:45,359 --> 00:21:47,960
Speaker 5: We did, like I forgot. There was like twenty one

475
00:21:48,000 --> 00:21:49,960
Speaker 5: thousand dollars in the first month of pre sales of

476
00:21:49,960 --> 00:21:52,879
Speaker 5: our SOCC business. But I still had that feeling, like,

477
00:21:52,960 --> 00:21:54,840
Speaker 5: you know that sucks, Like there's a lot of honest

478
00:21:54,920 --> 00:21:58,120
Speaker 5: entrepreneurs out there trying to do something, trying to understand

479
00:21:58,200 --> 00:22:01,360
Speaker 5: kind of how to take care of themselves, but don't

480
00:22:01,359 --> 00:22:05,280
Speaker 5: necessarily know everything, so you're more susceptible to scams and

481
00:22:05,359 --> 00:22:06,479
Speaker 5: getting screwed over like this.

482
00:22:07,400 --> 00:22:08,720
Speaker 4: So I was like, you know, what can I do?

483
00:22:09,119 --> 00:22:12,280
Speaker 5: So I went on you Demi, and I put out

484
00:22:12,280 --> 00:22:14,160
Speaker 5: this course on how to launch a business without getting

485
00:22:14,160 --> 00:22:16,320
Speaker 5: screwed over, and I called it the Minority Mindset because

486
00:22:16,400 --> 00:22:19,320
Speaker 5: at that time, I was like, you know, entrepreneurship is

487
00:22:19,320 --> 00:22:21,320
Speaker 5: all about the minority mindset, is thinking different than the

488
00:22:21,359 --> 00:22:25,199
Speaker 5: majority of people. And we had all this traction. We

489
00:22:25,200 --> 00:22:26,640
Speaker 5: had all these students sign up for it and we're

490
00:22:26,680 --> 00:22:28,320
Speaker 5: loving it. And they were like, hey, just breath. You

491
00:22:28,359 --> 00:22:30,720
Speaker 5: should go on social media. And I was like, all right,

492
00:22:30,800 --> 00:22:33,080
Speaker 5: and I don't know too much about digital marketing or

493
00:22:33,080 --> 00:22:35,680
Speaker 5: anything at the time, So I created an Instagram page

494
00:22:35,680 --> 00:22:38,840
Speaker 5: called Minority Mindset, where I just started posting quotes and

495
00:22:38,920 --> 00:22:41,600
Speaker 5: kind of just random tips about money management and starting

496
00:22:41,600 --> 00:22:44,560
Speaker 5: a business. And then I had a lot of comments

497
00:22:44,560 --> 00:22:46,840
Speaker 5: and messages from people saying, hey, you should start a

498
00:22:46,840 --> 00:22:49,320
Speaker 5: blog or you should start a podcast, and I was like,

499
00:22:50,119 --> 00:22:52,719
Speaker 5: I can't start a blog. English is my second language.

500
00:22:52,720 --> 00:22:56,600
Speaker 5: I suck at writing, so no, that's not going to happen. Podcasting.

501
00:22:56,600 --> 00:22:58,919
Speaker 5: I don't even know what a podcast was, so I

502
00:22:58,960 --> 00:23:01,240
Speaker 5: was like, yeah, I can't do that, but I do

503
00:23:01,320 --> 00:23:03,240
Speaker 5: like YouTube, and I see a lot of people on YouTube.

504
00:23:03,280 --> 00:23:05,400
Speaker 5: I like watching YouTube. Maybe I can make YouTube videos.

505
00:23:05,440 --> 00:23:08,240
Speaker 5: I know how to talk, so I started making videos

506
00:23:08,359 --> 00:23:11,000
Speaker 5: under the title Minority Mindset, where I just talked about

507
00:23:11,000 --> 00:23:12,760
Speaker 5: things that I wish I knew when I was younger.

508
00:23:12,840 --> 00:23:16,360
Speaker 5: So I talked about money management, talked about entrepreneurship, and

509
00:23:16,640 --> 00:23:20,080
Speaker 5: slowly this started to grow, and you know, a year

510
00:23:20,080 --> 00:23:21,680
Speaker 5: and a half or so, a couple of years later,

511
00:23:22,520 --> 00:23:26,439
Speaker 5: we had grown to over one hundred thousand subscribers, and

512
00:23:26,480 --> 00:23:28,800
Speaker 5: now all of a sudden, we were building a brand.

513
00:23:28,840 --> 00:23:30,840
Speaker 5: And I don't even know that that's what I was doing.

514
00:23:30,880 --> 00:23:32,640
Speaker 5: I was just this is something that I was doing

515
00:23:32,640 --> 00:23:34,440
Speaker 5: as a hobby, just because I was so kind of

516
00:23:34,480 --> 00:23:38,440
Speaker 5: hurt by the scam, and now this is what I do.

517
00:23:39,720 --> 00:23:40,520
Speaker 3: That's yeah.

518
00:23:40,560 --> 00:23:42,800
Speaker 1: At the time, I mean, how were you what was

519
00:23:42,840 --> 00:23:45,280
Speaker 1: your source of income then? And then when did you realize, Okay,

520
00:23:45,320 --> 00:23:47,880
Speaker 1: I can really sustain myself with the minority mindset.

521
00:23:48,359 --> 00:23:51,080
Speaker 5: So when I started a minority mindset, when I was

522
00:23:51,119 --> 00:23:52,960
Speaker 5: in law school. Actually, so I was in law school,

523
00:23:52,960 --> 00:23:54,280
Speaker 5: I was doing the soccer business, and I was doing

524
00:23:54,320 --> 00:23:55,680
Speaker 5: a lot of stuff in real estate, so I was

525
00:23:55,680 --> 00:23:58,000
Speaker 5: a real estate investor. I used to do real estate

526
00:23:58,040 --> 00:23:59,959
Speaker 5: whole stale, I think, and I was a real estate salesperson.

527
00:24:00,280 --> 00:24:01,679
Speaker 5: So I was kind of doing a whole bunch of

528
00:24:01,720 --> 00:24:07,560
Speaker 5: things at once. And the kind of fork I ran

529
00:24:07,640 --> 00:24:10,560
Speaker 5: into was right around the one hundred thousand subscriber mark.

530
00:24:10,600 --> 00:24:12,600
Speaker 5: With minority mindset, we weren't making a lot of money,

531
00:24:13,119 --> 00:24:16,240
Speaker 5: but it was. It was kind of a weird situation

532
00:24:16,359 --> 00:24:19,520
Speaker 5: because the SoC business I had was making decent money.

533
00:24:19,560 --> 00:24:21,480
Speaker 5: It was making a we were we were, you know,

534
00:24:21,520 --> 00:24:25,520
Speaker 5: a solid business. But the problem was it was a

535
00:24:25,520 --> 00:24:28,080
Speaker 5: special kind of athletic sock that I had created, but

536
00:24:28,080 --> 00:24:31,200
Speaker 5: our patent was denied. So I had to kind of decide, Okay,

537
00:24:31,200 --> 00:24:33,000
Speaker 5: do I want to go the route of building a

538
00:24:33,080 --> 00:24:36,600
Speaker 5: sock brand where you know, I love starting a business,

539
00:24:36,640 --> 00:24:38,720
Speaker 5: but I'm not so passionate about socks. I really wanted

540
00:24:38,720 --> 00:24:41,840
Speaker 5: to license the technology, but that wasn't really going to

541
00:24:41,920 --> 00:24:44,359
Speaker 5: work because we didn't get approved for this patent. But

542
00:24:44,440 --> 00:24:47,240
Speaker 5: minority mindset I had a real passion for. Like I

543
00:24:47,280 --> 00:24:50,800
Speaker 5: loved teaching, I love money management, I loved talking about

544
00:24:51,080 --> 00:24:53,840
Speaker 5: entrepreneurship and financial education. This is like something I really

545
00:24:53,840 --> 00:24:55,560
Speaker 5: really enjoy doing because this is something I wish I

546
00:24:55,640 --> 00:24:57,440
Speaker 5: knew when I was growing up, but we weren't making

547
00:24:57,480 --> 00:25:00,520
Speaker 5: that much money. So I just I had to go

548
00:25:00,560 --> 00:25:03,000
Speaker 5: all in with the minority mindset just because you know,

549
00:25:03,200 --> 00:25:04,880
Speaker 5: I was like, this is something that I would love

550
00:25:04,920 --> 00:25:06,680
Speaker 5: to do for the rest of my life. I don't

551
00:25:06,680 --> 00:25:08,000
Speaker 5: really know what I was going to do with it,

552
00:25:08,359 --> 00:25:11,080
Speaker 5: but that's the direction that I went. So, you know,

553
00:25:11,160 --> 00:25:13,919
Speaker 5: I had luckily, I had real estate investments. I was

554
00:25:13,920 --> 00:25:16,160
Speaker 5: doing real estate and and the SoC business was making

555
00:25:16,200 --> 00:25:17,800
Speaker 5: money at the time. So then I kind of transferred

556
00:25:17,800 --> 00:25:19,920
Speaker 5: over to minority mindset, not knowing what was going to happen.

557
00:25:20,160 --> 00:25:21,679
Speaker 5: But I was also in law school, so I had

558
00:25:21,800 --> 00:25:25,240
Speaker 5: very little expenses when I was starting off. And then

559
00:25:25,720 --> 00:25:28,680
Speaker 5: it grew from there and now we are. We kind

560
00:25:28,680 --> 00:25:31,000
Speaker 5: of transformed into a financial media company where we do

561
00:25:31,119 --> 00:25:34,879
Speaker 5: financial news and financial education, and yeah, so that's how

562
00:25:34,920 --> 00:25:35,680
Speaker 5: it kind of grew.

563
00:25:36,440 --> 00:25:38,600
Speaker 1: I would so I can't get the socks. It's what you're.

564
00:25:38,440 --> 00:25:41,160
Speaker 4: Saying yeah, we stopped selling the socks.

565
00:25:41,400 --> 00:25:44,119
Speaker 2: Well, I'm curious as a business owner, I'm curious, like

566
00:25:44,200 --> 00:25:46,960
Speaker 2: what are yours for the minority mindset, Like what are

567
00:25:47,000 --> 00:25:50,199
Speaker 2: your streams of income? Like we're and then of the

568
00:25:50,320 --> 00:25:52,680
Speaker 2: of your streams of income, what's bringing in the most.

569
00:25:52,800 --> 00:25:55,560
Speaker 1: Yeah, we get real personal here. We shoulder and stuff.

570
00:25:57,480 --> 00:26:00,720
Speaker 5: Absolutely so, so most of our income, I would eighty

571
00:26:00,760 --> 00:26:05,120
Speaker 5: percent of our income comes from other brands and sponsors

572
00:26:05,160 --> 00:26:08,560
Speaker 5: and advertisers. So what I mean by that is, so

573
00:26:08,600 --> 00:26:11,120
Speaker 5: we have kind of a few different channels. We could

574
00:26:11,119 --> 00:26:13,280
Speaker 5: say kind of two phases to our company. We have

575
00:26:13,320 --> 00:26:16,440
Speaker 5: a financial news division and a financial education division.

576
00:26:16,920 --> 00:26:19,960
Speaker 4: The news division is our daily financial.

577
00:26:19,560 --> 00:26:22,200
Speaker 5: News that are where we just kind of come over

578
00:26:22,240 --> 00:26:25,000
Speaker 5: what's going on in the financial news. The education side

579
00:26:25,440 --> 00:26:28,680
Speaker 5: is a mix of our website and then social media

580
00:26:28,720 --> 00:26:29,280
Speaker 5: and YouTube.

581
00:26:30,000 --> 00:26:31,359
Speaker 4: So eighty percent.

582
00:26:31,080 --> 00:26:35,600
Speaker 5: Of our revenue comes from our brand partners and sponsors.

583
00:26:35,840 --> 00:26:37,600
Speaker 4: So these are companies that we work with.

584
00:26:37,640 --> 00:26:40,840
Speaker 5: So we do a lot of education of how to

585
00:26:40,920 --> 00:26:44,880
Speaker 5: use your money and also financial products. So we talk

586
00:26:44,920 --> 00:26:49,040
Speaker 5: about things like mortgage refinancing, or we talk about stock brokerages,

587
00:26:49,119 --> 00:26:51,440
Speaker 5: or we talk about life insurance, or we talk about

588
00:26:51,440 --> 00:26:55,240
Speaker 5: credit cards. So we have partnerships with companies in all

589
00:26:55,280 --> 00:27:00,880
Speaker 5: of these kind of services, and that's how we drive

590
00:27:00,920 --> 00:27:01,560
Speaker 5: revenue from there.

591
00:27:01,680 --> 00:27:03,520
Speaker 4: Then on the education side.

592
00:27:03,359 --> 00:27:05,960
Speaker 5: We do have a couple of courses that we sell

593
00:27:06,000 --> 00:27:08,600
Speaker 5: as well, but though that's kind of like something that's

594
00:27:08,640 --> 00:27:10,480
Speaker 5: in the back burner, not really the back burner, but

595
00:27:10,560 --> 00:27:12,760
Speaker 5: that's that's like a smaller part of our business.

596
00:27:12,800 --> 00:27:14,320
Speaker 4: That's about twenty percent of our revenue.

597
00:27:14,880 --> 00:27:17,560
Speaker 1: Okay, I feel like you and Tefany need to talk, yeah,

598
00:27:17,600 --> 00:27:20,199
Speaker 1: because it's literally the Literature Academy is a major, and

599
00:27:20,240 --> 00:27:21,720
Speaker 1: I feel like we need a minority mindset.

600
00:27:22,160 --> 00:27:25,000
Speaker 2: It's the opposite for me, like our educational I have

601
00:27:25,000 --> 00:27:28,040
Speaker 2: an online school that makes eighty percent of the income,

602
00:27:28,080 --> 00:27:31,320
Speaker 2: and then my partnerships and affiliate marketing and things like

603
00:27:31,359 --> 00:27:34,240
Speaker 2: that that's about twenty percent. But I made that kind

604
00:27:34,240 --> 00:27:38,800
Speaker 2: of intentional because the Budgetista, which is my original brand,

605
00:27:39,560 --> 00:27:44,280
Speaker 2: is I didn't want to. I didn't want it relies

606
00:27:44,320 --> 00:27:46,919
Speaker 2: so heavily on me being me, which is cool, but

607
00:27:47,000 --> 00:27:48,959
Speaker 2: I didn't. I was thinking, like ten twenty years from now,

608
00:27:48,960 --> 00:27:52,080
Speaker 2: when I want to be like, you know, not the

609
00:27:52,119 --> 00:27:54,199
Speaker 2: face of the business. Then what So I started an

610
00:27:54,240 --> 00:27:57,119
Speaker 2: online school that you know that I use my budget

611
00:27:57,160 --> 00:28:00,240
Speaker 2: aster brand to drive to my Liberature Academy and so

612
00:28:00,359 --> 00:28:03,280
Speaker 2: that makes a good amount of mine. We just actually hit.

613
00:28:03,359 --> 00:28:07,840
Speaker 2: We're we just hit this year, our first seven figure month. Also, yeah,

614
00:28:07,840 --> 00:28:09,840
Speaker 2: it's crazy. I'm like, I used to be a preschool teacher.

615
00:28:09,840 --> 00:28:11,200
Speaker 2: Now of course my parents are like.

616
00:28:11,400 --> 00:28:14,160
Speaker 3: Yeah, doing so good. I'm so proud of you.

617
00:28:14,240 --> 00:28:17,040
Speaker 2: I'm like, oh really, because five years ago you were.

618
00:28:16,920 --> 00:28:19,680
Speaker 3: Like, wait, it is your job Odoci that's my African name.

619
00:28:20,040 --> 00:28:22,960
Speaker 5: Yeah, yeah, we need to talk after the call.

620
00:28:23,200 --> 00:28:25,840
Speaker 2: Yes, we do because I think that, Yeah, I mean,

621
00:28:27,040 --> 00:28:28,680
Speaker 2: I think that what you guys are doing is amazing

622
00:28:28,720 --> 00:28:31,080
Speaker 2: because what I don't understand is how many people do

623
00:28:31,119 --> 00:28:33,800
Speaker 2: you have working for you? Because Jos, I'm honestly signed

624
00:28:33,840 --> 00:28:36,520
Speaker 2: up for everything. I just like, I read all the newsletters.

625
00:28:36,600 --> 00:28:40,120
Speaker 2: I was like, I can't believe he has this whole curriculum.

626
00:28:40,240 --> 00:28:41,880
Speaker 2: I signed up for the investment class, which I have

627
00:28:41,920 --> 00:28:44,320
Speaker 2: not taken. Well, I've done all, Like Jaspree, I'm a

628
00:28:44,400 --> 00:28:45,120
Speaker 2: stand I'm.

629
00:28:44,920 --> 00:28:46,920
Speaker 3: Holding it in. You have no idea. I'm like, this

630
00:28:47,080 --> 00:28:47,720
Speaker 3: is me.

631
00:28:47,920 --> 00:28:48,880
Speaker 1: Do you have the socks?

632
00:28:48,960 --> 00:28:50,200
Speaker 3: No, that's the only thing I'm missing.

633
00:28:51,000 --> 00:28:52,880
Speaker 5: I'll send you a parent might have a couple left

634
00:28:52,880 --> 00:28:56,040
Speaker 5: over I'll send you one of the special edition ones.

635
00:28:56,600 --> 00:29:00,320
Speaker 2: So I guess the question is, like, I know how

636
00:29:00,400 --> 00:29:03,880
Speaker 2: much work it takes, and like what size is your team?

637
00:29:03,960 --> 00:29:09,240
Speaker 2: Because the quality and the consistency of your content is unmatched.

638
00:29:09,640 --> 00:29:11,000
Speaker 2: So yeah, I would love to know a little bit

639
00:29:11,040 --> 00:29:12,720
Speaker 2: more about you, like your team and how does that work.

640
00:29:13,320 --> 00:29:16,160
Speaker 5: Yeah, so we're actually hiring a lot right now, so

641
00:29:16,200 --> 00:29:20,400
Speaker 5: we are we are about to be. We have we

642
00:29:20,480 --> 00:29:23,680
Speaker 5: have a mix of kind of our remote people, we

643
00:29:23,760 --> 00:29:26,040
Speaker 5: have some freelancers, and then we have our in office team.

644
00:29:26,600 --> 00:29:29,760
Speaker 5: So total, I would say we're something close to thirty

645
00:29:29,800 --> 00:29:31,800
Speaker 5: people something around there.

646
00:29:31,880 --> 00:29:34,680
Speaker 4: So you know, it's some more people are mixed.

647
00:29:34,360 --> 00:29:36,520
Speaker 5: So some more people are full time in the office,

648
00:29:36,520 --> 00:29:40,160
Speaker 5: some more people are full time remote, so it's kind

649
00:29:40,160 --> 00:29:43,200
Speaker 5: of a bread blend in that. I would say by

650
00:29:43,280 --> 00:29:45,560
Speaker 5: the end of the year, we'll have about ten people

651
00:29:46,160 --> 00:29:48,840
Speaker 5: in the office perfectly that are you know, always there.

652
00:29:48,920 --> 00:29:50,000
Speaker 4: Then we have another.

653
00:29:50,160 --> 00:29:55,080
Speaker 5: Twenty to twenty five people maybe thirty that are remote fully.

654
00:29:55,240 --> 00:29:58,240
Speaker 1: Okay, it's interesting that you say that you know you're

655
00:29:58,240 --> 00:30:01,320
Speaker 1: not a good writer, because my favorite apart from your YouTube,

656
00:30:01,360 --> 00:30:03,800
Speaker 1: I love your newsletter in the mornings man, So how

657
00:30:03,880 --> 00:30:04,920
Speaker 1: much of that is you.

658
00:30:05,280 --> 00:30:06,120
Speaker 4: Uh so.

659
00:30:08,040 --> 00:30:10,680
Speaker 5: I would help with kind of coming up with the

660
00:30:10,720 --> 00:30:15,560
Speaker 5: content ideas. The writing is our awesome writers. I am

661
00:30:15,600 --> 00:30:18,240
Speaker 5: not involved with the writing much at all.

662
00:30:18,440 --> 00:30:20,000
Speaker 1: It's good to know your strength. That's okay.

663
00:30:20,600 --> 00:30:22,800
Speaker 4: Yeah, you don't want to read my writing writing. You

664
00:30:22,800 --> 00:30:23,959
Speaker 4: want to know what is going on?

665
00:30:24,560 --> 00:30:26,080
Speaker 5: Is this got talking about the stock market or the

666
00:30:26,120 --> 00:30:28,320
Speaker 5: real estate market? I have no idea what he's talking about.

667
00:30:28,720 --> 00:30:31,160
Speaker 1: Well, you do such a great job, I mean talk,

668
00:30:31,280 --> 00:30:33,800
Speaker 1: you know, just it's a real talent to be able

669
00:30:33,840 --> 00:30:37,440
Speaker 1: to explain concepts without writing, like without taking time to

670
00:30:37,440 --> 00:30:39,120
Speaker 1: think them through. I'm not that I'm saying your stuff

671
00:30:39,160 --> 00:30:40,920
Speaker 1: isn't thought through, but you know what I mean, like

672
00:30:40,920 --> 00:30:43,200
Speaker 1: to be able to vocalize these topics and make them truly,

673
00:30:44,040 --> 00:30:46,600
Speaker 1: you know, accessible to people, because, like you said, a

674
00:30:46,640 --> 00:30:49,040
Speaker 1: lot of people don't understand this. You have to approach it,

675
00:30:49,200 --> 00:30:51,680
Speaker 1: you know, from from the from the ground floor.

676
00:30:52,000 --> 00:30:52,280
Speaker 5: Yeah.

677
00:30:52,320 --> 00:30:55,120
Speaker 1: But let's we talked a little bit about passive income.

678
00:30:55,200 --> 00:30:57,640
Speaker 1: You know, you have your real estate business. A lot

679
00:30:57,720 --> 00:30:59,960
Speaker 1: of people right now, this is this is tied together,

680
00:31:00,120 --> 00:31:03,040
Speaker 1: I promise. I want to first talk about your favorite

681
00:31:03,120 --> 00:31:06,240
Speaker 1: passive income strategies and then kind of talk about how

682
00:31:06,280 --> 00:31:08,440
Speaker 1: people are kind of using the stock market to create

683
00:31:08,520 --> 00:31:10,240
Speaker 1: some passive income, which may or may not be the

684
00:31:10,240 --> 00:31:13,239
Speaker 1: best you know, idea for the majority of people. If

685
00:31:13,240 --> 00:31:15,160
Speaker 1: you can go back to that, you know, my minority

686
00:31:15,200 --> 00:31:19,840
Speaker 1: majority contradiction. But yeah, talk about passive income streams, what

687
00:31:20,720 --> 00:31:22,560
Speaker 1: you sort of have, what has worked for you, and

688
00:31:22,600 --> 00:31:24,640
Speaker 1: what you you know, think could work for others, and

689
00:31:24,680 --> 00:31:27,080
Speaker 1: then you know how how you would talk to folks

690
00:31:27,200 --> 00:31:29,000
Speaker 1: thinking about getting into the market these days.

691
00:31:29,480 --> 00:31:32,080
Speaker 5: So, you know, I think the first thing is kind

692
00:31:32,080 --> 00:31:34,040
Speaker 5: of defining what passive income is, because I think a

693
00:31:34,040 --> 00:31:37,240
Speaker 5: lot of people have a misconception as to passive income, Like,

694
00:31:37,320 --> 00:31:39,600
Speaker 5: for example, there's a lot of ads out there like,

695
00:31:39,680 --> 00:31:43,000
Speaker 5: oh start this online store is completely passive, even though

696
00:31:43,040 --> 00:31:45,240
Speaker 5: you have to manage it for five hours every single day.

697
00:31:45,520 --> 00:31:48,240
Speaker 5: So I don't consider that passive income. When I think

698
00:31:48,240 --> 00:31:50,520
Speaker 5: of passive income, I think of my real estate investments

699
00:31:50,680 --> 00:31:55,440
Speaker 5: where I own a house or an apartment complex, I

700
00:31:55,480 --> 00:31:58,240
Speaker 5: do the renovation, I get it fully rent ready, and

701
00:31:58,280 --> 00:32:01,479
Speaker 5: then I hand over the keys to my property management company,

702
00:32:02,120 --> 00:32:04,600
Speaker 5: and after that I let them take care of the

703
00:32:04,760 --> 00:32:08,880
Speaker 5: entire property, all tenant management, all tenant relations, everything agency.

704
00:32:09,280 --> 00:32:11,480
Speaker 5: And then I just kind of every month I look

705
00:32:11,520 --> 00:32:14,959
Speaker 5: at our statements. So I look at you know, how

706
00:32:15,000 --> 00:32:17,680
Speaker 5: much rent do we receive, what was the maintenance requests

707
00:32:17,800 --> 00:32:19,800
Speaker 5: and everything kind of in between. That's what I call

708
00:32:19,880 --> 00:32:22,800
Speaker 5: passive income. So for me, my favorite is real estate.

709
00:32:22,880 --> 00:32:25,000
Speaker 5: I love real estate investing. That is kind of like

710
00:32:25,080 --> 00:32:29,480
Speaker 5: my number one favorite place to invest. But you know,

711
00:32:29,520 --> 00:32:33,480
Speaker 5: real estate investing is not for everybody. You need to

712
00:32:34,280 --> 00:32:38,000
Speaker 5: understand how real estate investing works. It takes a learning

713
00:32:38,040 --> 00:32:41,680
Speaker 5: curve and not everybody wants to go through that. You know,

714
00:32:42,080 --> 00:32:44,320
Speaker 5: you have to kind of go through your bad tenants.

715
00:32:44,320 --> 00:32:45,800
Speaker 5: You have to go through the bad properties. You know,

716
00:32:45,800 --> 00:32:48,479
Speaker 5: I went through that myself, and it sucks. It's painful,

717
00:32:48,480 --> 00:32:50,640
Speaker 5: it's not fun to lose money. And with real estate

718
00:32:50,680 --> 00:32:52,880
Speaker 5: there's there's more capital involved. It's a lot harder to

719
00:32:52,920 --> 00:32:55,720
Speaker 5: start real estate investing, especially owning physical real estate with

720
00:32:56,000 --> 00:32:57,800
Speaker 5: one hundred dollars or a thousand dollars. You know, you

721
00:32:57,840 --> 00:33:01,120
Speaker 5: need more capital and more time to get to that

722
00:33:01,160 --> 00:33:03,160
Speaker 5: passive income point. So you need to spend that time

723
00:33:03,200 --> 00:33:06,400
Speaker 5: at the beginning to get through real passive income. Now,

724
00:33:06,480 --> 00:33:10,120
Speaker 5: if we're talking about a more passive passive income where

725
00:33:10,120 --> 00:33:12,480
Speaker 5: you don't really have to do much work at all,

726
00:33:12,960 --> 00:33:16,240
Speaker 5: then the stock market does have a lot of opportunities

727
00:33:16,240 --> 00:33:20,600
Speaker 5: there through dividends and dividend paying stocks, but you have

728
00:33:20,640 --> 00:33:24,360
Speaker 5: to be kind of aware of what type of returns

729
00:33:24,400 --> 00:33:27,520
Speaker 5: you can expect because I think sometimes people think, oh, okay,

730
00:33:27,560 --> 00:33:30,040
Speaker 5: if I invest one thousand dollars, I should be making

731
00:33:30,760 --> 00:33:32,920
Speaker 5: one thousand dollars a year in a passive income. But

732
00:33:33,000 --> 00:33:34,760
Speaker 5: it doesn't really work like that, right, Like, if you

733
00:33:34,760 --> 00:33:38,200
Speaker 5: invest in the stock market, you should be expecting three

734
00:33:38,200 --> 00:33:42,400
Speaker 5: to five percent a year on your capital investment. So

735
00:33:42,480 --> 00:33:44,880
Speaker 5: that's you know, if you invest one hundred dollars at

736
00:33:44,920 --> 00:33:48,960
Speaker 5: three to five dollars a year for your investment through

737
00:33:49,000 --> 00:33:51,720
Speaker 5: your dividends, and there's a lot of easy ways to

738
00:33:51,760 --> 00:33:54,600
Speaker 5: do that. You can completely automate this. So you just

739
00:33:54,680 --> 00:33:57,240
Speaker 5: take whatever funds you have and every month or every

740
00:33:57,280 --> 00:34:02,400
Speaker 5: week it automatically gets invested into you whatever stocks or

741
00:34:02,400 --> 00:34:03,880
Speaker 5: ETFs or funds you want.

742
00:34:04,880 --> 00:34:06,440
Speaker 4: And then when.

743
00:34:06,240 --> 00:34:08,320
Speaker 5: You get the dividends, it is your choice now whether

744
00:34:08,360 --> 00:34:11,080
Speaker 5: you want to reinvest them back into the stocks or

745
00:34:11,080 --> 00:34:13,799
Speaker 5: ETFs that way you kind of compounding your investments, or

746
00:34:13,840 --> 00:34:15,880
Speaker 5: do you want to pull it out and keep this

747
00:34:16,000 --> 00:34:18,719
Speaker 5: money for yourself and you know, use it to improve

748
00:34:18,760 --> 00:34:21,440
Speaker 5: your lifestyle. The thing about passive income, especially in the

749
00:34:21,440 --> 00:34:24,520
Speaker 5: stock market like this, is it is a long term game.

750
00:34:25,120 --> 00:34:27,359
Speaker 5: If you're getting three to five percent a year, you

751
00:34:27,400 --> 00:34:29,320
Speaker 5: need to compound that money. You need to keep adding

752
00:34:29,320 --> 00:34:34,080
Speaker 5: that money into your stocks and ETFs because what happens

753
00:34:34,360 --> 00:34:37,719
Speaker 5: is in a good market, stock prices will go up,

754
00:34:37,960 --> 00:34:41,359
Speaker 5: so you know your your stock value, your investment value,

755
00:34:41,400 --> 00:34:43,399
Speaker 5: is going up. But at the same time, companies, if

756
00:34:43,400 --> 00:34:46,160
Speaker 5: they're growing, they're going to increase the amount of dividend

757
00:34:46,200 --> 00:34:49,160
Speaker 5: that they're paying. So right now you might only be

758
00:34:49,200 --> 00:34:51,640
Speaker 5: getting a three percent dividend on your money, but in

759
00:34:51,640 --> 00:34:54,920
Speaker 5: five or ten years, they might double themount of dividend

760
00:34:54,960 --> 00:34:56,719
Speaker 5: that they're paying out. So what went from a three

761
00:34:56,719 --> 00:35:00,040
Speaker 5: percent dividend is now a six percent dividend. So it

762
00:35:00,080 --> 00:35:01,799
Speaker 5: really starts to grow in compound. And if you keep

763
00:35:01,840 --> 00:35:04,120
Speaker 5: reinvesting that money, the amount of money you'd be making

764
00:35:04,160 --> 00:35:07,640
Speaker 5: through this passive income and dividends keeps growing slowly, slowly, slowly.

765
00:35:07,680 --> 00:35:09,560
Speaker 5: So it's like kind of like the snowball that a

766
00:35:09,560 --> 00:35:11,720
Speaker 5: lot of people talk about. You're you got to build

767
00:35:11,719 --> 00:35:13,759
Speaker 5: a snowball in at the beginning, it's really slow, it's

768
00:35:13,760 --> 00:35:15,960
Speaker 5: really hard, But as you keep going and as you

769
00:35:16,000 --> 00:35:17,280
Speaker 5: stick with it, it will get bigger.

770
00:35:17,560 --> 00:35:20,240
Speaker 1: Can you explain for folks who may have just blanked

771
00:35:20,239 --> 00:35:22,239
Speaker 1: out when you said the word dividend because they may

772
00:35:22,280 --> 00:35:23,799
Speaker 1: not even know what a dividend is. I mean, it's

773
00:35:23,880 --> 00:35:26,600
Speaker 1: just it's a piece of the profits that a company

774
00:35:26,600 --> 00:35:28,319
Speaker 1: will give you for investing in their stock. Right, how

775
00:35:28,320 --> 00:35:29,200
Speaker 1: would you break it down?

776
00:35:29,400 --> 00:35:29,640
Speaker 4: Yeah?

777
00:35:29,640 --> 00:35:32,480
Speaker 5: So I the the way I like to explain dividends

778
00:35:32,480 --> 00:35:35,000
Speaker 5: is think about like a thank you check from companies.

779
00:35:35,000 --> 00:35:38,320
Speaker 5: So some companies, let's talk about McDonald's. Some companies like

780
00:35:38,400 --> 00:35:40,680
Speaker 5: McDonald's make a lot of money, and at the end

781
00:35:40,719 --> 00:35:42,640
Speaker 5: of the year, they have a whole bunch of cash

782
00:35:42,680 --> 00:35:45,960
Speaker 5: in their bank account. And there's three things that a

783
00:35:46,000 --> 00:35:48,439
Speaker 5: company can do with it's extra cash. They can save

784
00:35:48,480 --> 00:35:51,439
Speaker 5: it for emergencies. They can reinvest this money back into

785
00:35:51,440 --> 00:35:54,480
Speaker 5: their company. Or they can give this away literally give

786
00:35:54,480 --> 00:35:57,360
Speaker 5: it away to their owners and shareholders, investors people like

787
00:35:57,400 --> 00:35:59,840
Speaker 5: you and me for owning their stock. So if you

788
00:36:00,239 --> 00:36:03,200
Speaker 5: and you buy a share of McDonald's, McDonald's will literally

789
00:36:03,280 --> 00:36:05,240
Speaker 5: send you a check. They'll send you a few dollars

790
00:36:05,320 --> 00:36:08,319
Speaker 5: every single year just because you owned the McDonald's stock.

791
00:36:08,440 --> 00:36:10,520
Speaker 5: You don't have to go on flip burgers or do anything.

792
00:36:10,760 --> 00:36:14,000
Speaker 5: You're getting this cash just for owning that investment.

793
00:36:14,520 --> 00:36:16,080
Speaker 2: I love that explanation. I just saw that in one

794
00:36:16,120 --> 00:36:17,920
Speaker 2: of your videos that you explained that was like he's

795
00:36:17,960 --> 00:36:18,560
Speaker 2: doing the video.

796
00:36:18,680 --> 00:36:20,200
Speaker 3: I feel like I'm watching your YouTube video.

797
00:36:21,719 --> 00:36:24,080
Speaker 4: Yeah, it's the same time safe.

798
00:36:24,719 --> 00:36:26,640
Speaker 1: Yeah. I mean this past week has been I don't know,

799
00:36:26,960 --> 00:36:28,840
Speaker 1: this past summer. I mean, I just feel like everyone

800
00:36:28,880 --> 00:36:31,640
Speaker 1: at home through this COVID crisis is bizarre time they

801
00:36:31,680 --> 00:36:33,959
Speaker 1: were at in our country right now, and it's good

802
00:36:33,960 --> 00:36:35,960
Speaker 1: for people like us who are in the business of

803
00:36:36,120 --> 00:36:39,520
Speaker 1: teaching financial education, because folks are really hungry for right now.

804
00:36:39,760 --> 00:36:42,600
Speaker 1: But I'm worried because, like my friends and family who

805
00:36:42,600 --> 00:36:46,160
Speaker 1: really haven't been into financial anything until you know, COVID

806
00:36:46,239 --> 00:36:47,719
Speaker 1: kind of hit and they have all this free time.

807
00:36:48,000 --> 00:36:50,360
Speaker 1: People are coming to me, like should I invest in herds?

808
00:36:50,600 --> 00:36:52,919
Speaker 1: What do you think about the Tesla stock split? I mean,

809
00:36:53,000 --> 00:36:55,919
Speaker 1: last week my husband puts listen, Okay, like I said,

810
00:36:55,960 --> 00:36:58,040
Speaker 1: I like to I have some money that I play

811
00:36:58,040 --> 00:37:00,320
Speaker 1: around with that I'm not afraid to lose. I just

812
00:37:00,360 --> 00:37:02,239
Speaker 1: have a little bit set aside so I can I

813
00:37:02,239 --> 00:37:04,719
Speaker 1: can just prove to myself, honestly, what a terrible stockpicker

814
00:37:04,719 --> 00:37:06,319
Speaker 1: I am, which is what it's been like for the

815
00:37:06,360 --> 00:37:09,480
Speaker 1: past five to ten years. I've been doing it. But anyway,

816
00:37:09,520 --> 00:37:11,000
Speaker 1: so my husband's got a little bit of money and

817
00:37:11,320 --> 00:37:13,040
Speaker 1: you know that he could invest and he chose to

818
00:37:13,040 --> 00:37:15,440
Speaker 1: invest in some TESL stock last week after the stock split,

819
00:37:15,760 --> 00:37:17,760
Speaker 1: and of course he bought when it was really high,

820
00:37:17,880 --> 00:37:19,280
Speaker 1: and by the end of the week it had tanked

821
00:37:19,280 --> 00:37:21,120
Speaker 1: and he's like, what's going on? You need to sell

822
00:37:21,120 --> 00:37:24,080
Speaker 1: my Tesla stock. And I feel like he's not alone.

823
00:37:24,480 --> 00:37:27,359
Speaker 1: So what's your take on where people's mindset is at

824
00:37:27,360 --> 00:37:29,719
Speaker 1: with you know, stock market investing these days, And what

825
00:37:29,760 --> 00:37:31,600
Speaker 1: would you say to people who were trying to get

826
00:37:31,600 --> 00:37:34,360
Speaker 1: into the market now as like a word of caution.

827
00:37:34,920 --> 00:37:37,279
Speaker 5: So I just recorded a video on this. It's going

828
00:37:37,320 --> 00:37:40,520
Speaker 5: to go up very soon. But stock or market predicting

829
00:37:40,800 --> 00:37:43,520
Speaker 5: is for losers. Nobody can predict what's going to happen

830
00:37:43,560 --> 00:37:46,359
Speaker 5: in the stock market tomorrow or three months or you know,

831
00:37:46,560 --> 00:37:49,279
Speaker 5: in this short term. It is impossible because there's so

832
00:37:49,320 --> 00:37:52,160
Speaker 5: many things that can happen that influence the stock market,

833
00:37:52,280 --> 00:37:54,359
Speaker 5: especially in the short term. You know, we could see

834
00:37:54,400 --> 00:37:56,600
Speaker 5: something happened to the president, we could see something happened

835
00:37:56,640 --> 00:37:59,239
Speaker 5: with this coronavirus. We can see the fed change to

836
00:37:59,320 --> 00:38:02,160
Speaker 5: monetary poul See, there are so many factors that influence

837
00:38:02,200 --> 00:38:04,800
Speaker 5: the stock market in the short term that creates this

838
00:38:04,960 --> 00:38:09,040
Speaker 5: like emotionalness in the stock market, and that's what creates

839
00:38:09,400 --> 00:38:14,280
Speaker 5: creates like this panic selling and euphoria buying. And as

840
00:38:14,360 --> 00:38:17,960
Speaker 5: a smart financial planner and a smart money manager and investor,

841
00:38:18,040 --> 00:38:21,120
Speaker 5: that is exactly what you want to avoid. You want

842
00:38:21,160 --> 00:38:23,640
Speaker 5: to be investing for the long term. So I'm a

843
00:38:23,640 --> 00:38:28,760
Speaker 5: big proponent of long term investing, looking at companies who

844
00:38:29,719 --> 00:38:33,160
Speaker 5: are growing, who are innovating, and have a good value,

845
00:38:33,560 --> 00:38:35,799
Speaker 5: and buying into these companies for the long term. If

846
00:38:35,800 --> 00:38:38,919
Speaker 5: that is what you're doing, the stock price doesn't even

847
00:38:38,920 --> 00:38:41,600
Speaker 5: matter that much. You just want to continually buy it,

848
00:38:41,600 --> 00:38:43,840
Speaker 5: whether it's every week or every month, or you know,

849
00:38:43,880 --> 00:38:45,920
Speaker 5: whatever your schedule is. You just want to keep buying

850
00:38:45,960 --> 00:38:48,880
Speaker 5: these stocks or funds that you want to own for

851
00:38:49,040 --> 00:38:49,800
Speaker 5: the long term.

852
00:38:50,520 --> 00:38:52,360
Speaker 3: For the majority dollar cost averaging.

853
00:38:52,400 --> 00:38:54,080
Speaker 2: No, I was just going to say, so that's I know,

854
00:38:54,120 --> 00:38:56,280
Speaker 2: that's your big philosophy dollar cost averaging.

855
00:38:56,680 --> 00:39:00,160
Speaker 5: Yeah, and if it comes down, if it crashes, buy more.

856
00:39:00,880 --> 00:39:02,319
Speaker 5: It's like one of those things that if it's a

857
00:39:02,360 --> 00:39:05,680
Speaker 5: company you really believe in, buy it, and if it crashes,

858
00:39:05,920 --> 00:39:06,520
Speaker 5: use it as.

859
00:39:06,360 --> 00:39:07,680
Speaker 4: An opportunity to buy more.

860
00:39:07,960 --> 00:39:10,920
Speaker 5: And I think for the majority of people, stock picking

861
00:39:11,040 --> 00:39:12,480
Speaker 5: is not even the game that you want to be

862
00:39:12,520 --> 00:39:13,839
Speaker 5: playing for the majority of people.

863
00:39:13,880 --> 00:39:15,920
Speaker 4: If you don't not plan to.

864
00:39:15,400 --> 00:39:18,960
Speaker 5: Spend a lot of time studying companies, listening to earning statements.

865
00:39:19,120 --> 00:39:21,319
Speaker 5: If that is not what you're interested in, look into

866
00:39:21,360 --> 00:39:24,480
Speaker 5: index funds, look into the ETFs and index fund or ETFs.

867
00:39:24,560 --> 00:39:26,680
Speaker 5: You could think of it kind of like a group

868
00:39:26,719 --> 00:39:29,719
Speaker 5: of stocks of fund that invests in a bunch of companies.

869
00:39:29,960 --> 00:39:31,719
Speaker 5: So if you just want to be involved in the

870
00:39:31,760 --> 00:39:35,719
Speaker 5: stock market, there are funds that literally give you exposure

871
00:39:35,840 --> 00:39:38,280
Speaker 5: to the top five hundred companies in the stock market.

872
00:39:38,400 --> 00:39:39,759
Speaker 5: So now instead of if you're trying to go out

873
00:39:39,760 --> 00:39:41,920
Speaker 5: and find the number one company, you can just invest

874
00:39:41,960 --> 00:39:44,280
Speaker 5: in this fund that gives your exposure to the general

875
00:39:44,320 --> 00:39:46,560
Speaker 5: stock market. So now, if the stock market goes up,

876
00:39:46,600 --> 00:39:49,080
Speaker 5: your fund goes up. The stock market goes down, your

877
00:39:49,120 --> 00:39:51,680
Speaker 5: fund goes down. But what we've seen again and again

878
00:39:51,719 --> 00:39:53,680
Speaker 5: and again is that over the long run, the stock

879
00:39:53,719 --> 00:39:55,799
Speaker 5: market and strong companies go up. And if you're not

880
00:39:55,880 --> 00:39:57,839
Speaker 5: interested in doing all that research and trying to find

881
00:39:57,840 --> 00:39:59,920
Speaker 5: the best companies just invest in one of these fun

882
00:40:00,560 --> 00:40:03,319
Speaker 5: because now it's doing it for you.

883
00:40:04,120 --> 00:40:07,360
Speaker 1: So so what you're saying is I'm right, and YE

884
00:40:08,080 --> 00:40:10,120
Speaker 1: want to confirm that because I.

885
00:40:10,200 --> 00:40:11,759
Speaker 3: Want to play in that SI.

886
00:40:11,960 --> 00:40:14,320
Speaker 2: So my question is, so where do you go for

887
00:40:14,480 --> 00:40:17,840
Speaker 2: financial education? You know the financial educator? It's like what

888
00:40:17,880 --> 00:40:19,680
Speaker 2: does the doctor go when they're sick? So where do

889
00:40:19,719 --> 00:40:22,480
Speaker 2: you go to learn when you're when you're learning when

890
00:40:22,480 --> 00:40:24,719
Speaker 2: new things come out or something you don't understand? Like

891
00:40:24,760 --> 00:40:27,160
Speaker 2: what are what are your go to platforms?

892
00:40:27,719 --> 00:40:30,839
Speaker 5: There's a lot of great resources on the internet, like

893
00:40:30,920 --> 00:40:32,640
Speaker 5: one of my go to sites if you're talking about

894
00:40:32,640 --> 00:40:36,760
Speaker 5: the stock market, particularly like seeking Alpha is great, uh

895
00:40:36,880 --> 00:40:42,799
Speaker 5: Financed Yahoo, just to like I love reading books and

896
00:40:42,960 --> 00:40:45,520
Speaker 5: I love kind of just learning about companies. Like right

897
00:40:45,520 --> 00:40:48,600
Speaker 5: now I'm reading one of Warren Buffet's biographies. It's very

898
00:40:48,600 --> 00:40:51,200
Speaker 5: interesting just to kind of not necessarily just stock books,

899
00:40:51,200 --> 00:40:53,160
Speaker 5: but learning kind of the way some of these great

900
00:40:53,160 --> 00:40:57,920
Speaker 5: investors think and just learning from them and then really

901
00:40:57,960 --> 00:41:01,239
Speaker 5: just studying a company. You know, there's every three months

902
00:41:01,239 --> 00:41:03,279
Speaker 5: a company has to release a statement where they go

903
00:41:03,360 --> 00:41:06,439
Speaker 5: over how much money they're making with the plan on doing,

904
00:41:06,880 --> 00:41:09,279
Speaker 5: what their valuations? You know, what are they doing with

905
00:41:09,320 --> 00:41:12,200
Speaker 5: their money? Where's all the cash going? And a lot

906
00:41:12,200 --> 00:41:15,680
Speaker 5: of times, most of the times we skip over that

907
00:41:15,719 --> 00:41:19,200
Speaker 5: because we read the headlines, Oh, Tesla made a lot

908
00:41:19,200 --> 00:41:21,560
Speaker 5: of money or Tesla loss money. Right, that's all we see.

909
00:41:21,719 --> 00:41:23,680
Speaker 5: But if you go into the actual earning statements and

910
00:41:23,680 --> 00:41:27,440
Speaker 5: you read the transcript and you read the forms that

911
00:41:27,480 --> 00:41:30,120
Speaker 5: these companies file, which you can do, they're more boring,

912
00:41:30,480 --> 00:41:33,040
Speaker 5: but you can actually see what is going on with

913
00:41:33,080 --> 00:41:36,320
Speaker 5: the company and what is their real revenue, what is

914
00:41:36,360 --> 00:41:38,960
Speaker 5: their real income, what is their real loss, And then

915
00:41:39,000 --> 00:41:41,080
Speaker 5: you can come up with your own calculations to see, Okay,

916
00:41:41,239 --> 00:41:44,240
Speaker 5: this company is making a hundred million dollars actually based

917
00:41:44,239 --> 00:41:46,440
Speaker 5: off of what I see, and they're being valued at

918
00:41:46,480 --> 00:41:47,680
Speaker 5: ten billion dollars.

919
00:41:48,080 --> 00:41:50,080
Speaker 4: Is this a good investment? Yes or no?

920
00:41:50,440 --> 00:41:52,200
Speaker 5: And so it's kind of coming up with what do

921
00:41:52,280 --> 00:41:54,640
Speaker 5: you think is a good value and what is it

922
00:41:54,640 --> 00:41:56,000
Speaker 5: that you want to invest in?

923
00:41:56,480 --> 00:42:00,720
Speaker 1: Over time, as you've developed your financial philosophy. The minority

924
00:42:00,760 --> 00:42:03,239
Speaker 1: mindset as you say, I mean, you acknowledged that you

925
00:42:03,280 --> 00:42:06,200
Speaker 1: didn't have a ton of education, and Tiffany's maybe in

926
00:42:06,239 --> 00:42:08,560
Speaker 1: the minority because she had such a great financial coach

927
00:42:08,560 --> 00:42:11,480
Speaker 1: in her dad. But even so, the Great Recession for

928
00:42:11,600 --> 00:42:13,680
Speaker 1: Tiff and I both kind of had a We were

929
00:42:13,680 --> 00:42:16,719
Speaker 1: both like in our own ways, a little afraid of

930
00:42:17,000 --> 00:42:19,880
Speaker 1: going through what we went through our personal financial losses

931
00:42:20,160 --> 00:42:22,640
Speaker 1: after the recession, And so I think safe to say

932
00:42:22,680 --> 00:42:24,880
Speaker 1: Tif that we both held on to some cash. Yeah

933
00:42:25,640 --> 00:42:28,520
Speaker 1: maybe beyond like yeah, maybe beyond like the six month mark.

934
00:42:29,520 --> 00:42:31,839
Speaker 1: And I wanted to talk to you, like, what's your

935
00:42:32,280 --> 00:42:35,080
Speaker 1: Have you had to overcome any mindsets that were maybe

936
00:42:35,160 --> 00:42:37,800
Speaker 1: hurting you financially where you maybe a little conservative in

937
00:42:37,840 --> 00:42:39,480
Speaker 1: the beginning, or have you always kind of you know,

938
00:42:39,960 --> 00:42:43,680
Speaker 1: just learned and approached investing differently, Because for a lot

939
00:42:43,680 --> 00:42:46,360
Speaker 1: of people, especially now, the majority will look at the

940
00:42:46,360 --> 00:42:48,799
Speaker 1: stock market what happened back in the spring, you know,

941
00:42:48,840 --> 00:42:50,759
Speaker 1: March and April and be like, oh shit, like get

942
00:42:50,760 --> 00:42:52,800
Speaker 1: me out of here, this is crazy. Yeah, So to

943
00:42:52,840 --> 00:42:54,399
Speaker 1: talk about that, if you don't mind.

944
00:42:54,200 --> 00:42:58,720
Speaker 5: I think, yeah, the saving thing I I six months.

945
00:42:59,040 --> 00:43:00,839
Speaker 5: I tell a lot of it was the goal, and

946
00:43:01,000 --> 00:43:03,759
Speaker 5: I try to tell people to cap it. Like Indians

947
00:43:04,040 --> 00:43:05,640
Speaker 5: tend to be super saviors to a lot of my

948
00:43:05,680 --> 00:43:08,040
Speaker 5: friends are kind of fall under that boat. I know

949
00:43:08,080 --> 00:43:09,439
Speaker 5: a lot of people that make a lot of money,

950
00:43:09,480 --> 00:43:12,280
Speaker 5: and this save every penny that they can. So they're

951
00:43:12,320 --> 00:43:14,359
Speaker 5: saving like seventy eighty percent of their income and they

952
00:43:14,400 --> 00:43:16,880
Speaker 5: have three four five years worth of expenses saved in

953
00:43:16,920 --> 00:43:19,600
Speaker 5: their bank account just sitting there. And this is way

954
00:43:19,600 --> 00:43:21,000
Speaker 5: past the FDIC limit.

955
00:43:21,400 --> 00:43:22,879
Speaker 4: So you know, I must be.

956
00:43:24,360 --> 00:43:26,920
Speaker 2: Yeah, noymore, I'm better now. I have a financial planner.

957
00:43:26,960 --> 00:43:30,040
Speaker 2: That's cheesy, is Indian shout out to any but yeah,

958
00:43:30,080 --> 00:43:30,719
Speaker 2: I'm better now.

959
00:43:30,719 --> 00:43:32,000
Speaker 3: But that was so me.

960
00:43:32,680 --> 00:43:35,120
Speaker 5: Yeah, and you know it's it's better than blowing all

961
00:43:35,160 --> 00:43:38,640
Speaker 5: that money, right. But what I try to tell people is,

962
00:43:38,680 --> 00:43:40,879
Speaker 5: you know, you can do a lot better and take

963
00:43:41,239 --> 00:43:44,640
Speaker 5: low risks if you you know, you once you learn

964
00:43:44,680 --> 00:43:46,680
Speaker 5: about how investing works, you can kind of get a

965
00:43:46,719 --> 00:43:48,440
Speaker 5: better feel of it. So I used to have a

966
00:43:48,480 --> 00:43:50,360
Speaker 5: lot of money in the market, and I made a

967
00:43:50,480 --> 00:43:52,880
Speaker 5: video on this earlier this year, like back in it

968
00:43:52,960 --> 00:43:55,400
Speaker 5: was actually in February, where I talked about how I

969
00:43:55,440 --> 00:43:58,120
Speaker 5: was selling a lot of stuff just because sometimes, you know.

970
00:43:59,160 --> 00:44:01,680
Speaker 4: Things do feel like a low, little overheated.

971
00:44:01,719 --> 00:44:04,279
Speaker 5: Now this is completely lucky, Like you know, I talked

972
00:44:04,320 --> 00:44:06,279
Speaker 5: about this, This was like one hundred percent luck. I

973
00:44:06,320 --> 00:44:08,719
Speaker 5: did not predict a crash or did not predict a pandemic.

974
00:44:08,719 --> 00:44:11,640
Speaker 5: This was like completely luck. In February, I was like,

975
00:44:11,680 --> 00:44:14,040
Speaker 5: you know, I've made a lot of money over the

976
00:44:14,120 --> 00:44:15,960
Speaker 5: last few years in the stock market, so I'm selling

977
00:44:16,040 --> 00:44:18,239
Speaker 5: right now because a lot of things are really high,

978
00:44:18,280 --> 00:44:20,520
Speaker 5: evaluations are really high, and it's just a good time

979
00:44:20,560 --> 00:44:21,680
Speaker 5: to take some money off the table.

980
00:44:21,719 --> 00:44:22,360
Speaker 4: And that's okay.

981
00:44:22,920 --> 00:44:24,440
Speaker 5: You know what I tell people, when it comes to

982
00:44:24,480 --> 00:44:27,480
Speaker 5: saving and investing, your investment money doesn't always have to

983
00:44:27,520 --> 00:44:30,960
Speaker 5: be invested, Like cash is an investment position as well.

984
00:44:31,800 --> 00:44:33,759
Speaker 5: It's just knowing that this is money that you want

985
00:44:33,800 --> 00:44:36,359
Speaker 5: to invest that you're you know, looking for an opportunity.

986
00:44:37,160 --> 00:44:39,200
Speaker 5: I like real estate. I haven't bought real estate in

987
00:44:39,239 --> 00:44:41,040
Speaker 5: a while because I'm waiting for an opportunity.

988
00:44:41,080 --> 00:44:43,480
Speaker 4: So I have cash that I'm waiting to invest, and

989
00:44:43,600 --> 00:44:43,839
Speaker 4: you know.

990
00:44:43,800 --> 00:44:46,040
Speaker 5: It goes beyond my saving goals, but it's it's my

991
00:44:46,160 --> 00:44:49,000
Speaker 5: investment money that I'm waiting to invest.

992
00:44:49,440 --> 00:44:53,040
Speaker 4: So that's kind of like what I've developed over the years.

993
00:44:53,040 --> 00:44:54,640
Speaker 5: And I think I used to be a lot riskier

994
00:44:54,880 --> 00:44:57,440
Speaker 5: when I was younger, when I was first getting started,

995
00:44:57,480 --> 00:45:00,560
Speaker 5: because at that point, I was like, Wow, what do

996
00:45:00,600 --> 00:45:02,319
Speaker 5: I have to lose? So I'm just going all in

997
00:45:02,760 --> 00:45:04,880
Speaker 5: everywhere I can, because for me, it was just like,

998
00:45:04,920 --> 00:45:06,600
Speaker 5: you know what, this is my time to learn, this

999
00:45:06,640 --> 00:45:08,960
Speaker 5: is my time to go all in with everything. Now,

1000
00:45:09,520 --> 00:45:11,560
Speaker 5: you know, I'm still willing to take risk, but I'm

1001
00:45:11,640 --> 00:45:15,279
Speaker 5: definitely a little bit more conservative and I do a

1002
00:45:15,280 --> 00:45:17,239
Speaker 5: lot more research now than I used to before. I

1003
00:45:17,280 --> 00:45:20,480
Speaker 5: was more of a doer before thinking at all. Now

1004
00:45:20,560 --> 00:45:22,319
Speaker 5: I'm still a doer, but I do spend a little

1005
00:45:22,320 --> 00:45:25,640
Speaker 5: bit more time thinking before I trying to make those moves.

1006
00:45:25,920 --> 00:45:28,600
Speaker 1: So you cleaned out your investments in February, lucky, and

1007
00:45:29,320 --> 00:45:31,520
Speaker 1: then what did you get back in once things started

1008
00:45:31,560 --> 00:45:33,879
Speaker 1: to go like what what did Yeah? What what did

1009
00:45:33,880 --> 00:45:36,279
Speaker 1: you do? Because I think there were folks who were

1010
00:45:36,320 --> 00:45:38,520
Speaker 1: it's that financial double dutch again, which is I don't

1011
00:45:38,520 --> 00:45:40,680
Speaker 1: know if you're familiar with double dutch. It's kind of fun.

1012
00:45:43,560 --> 00:45:45,360
Speaker 3: I know double Dutch. I don't know if you even watched.

1013
00:45:45,360 --> 00:45:47,520
Speaker 2: Like when girls jump into the road, they do this

1014
00:45:47,719 --> 00:45:49,960
Speaker 2: like bobbing back and forth, trying to figure out the

1015
00:45:49,960 --> 00:45:52,239
Speaker 2: perfect time to jump into you. You're literally rocking back

1016
00:45:52,280 --> 00:45:54,000
Speaker 2: and forth. So it's like, yeah, so it's a good

1017
00:45:54,000 --> 00:45:55,440
Speaker 2: analogy to getting into the market.

1018
00:45:55,920 --> 00:45:57,040
Speaker 4: So yeah, I did.

1019
00:45:57,600 --> 00:46:00,360
Speaker 5: I talked about this on YouTube that I do this

1020
00:46:00,480 --> 00:46:03,680
Speaker 5: kind of like drip investing, where I buy in phases. Now,

1021
00:46:03,680 --> 00:46:06,600
Speaker 5: I'm not the greatest stock market investor out there. One

1022
00:46:06,640 --> 00:46:09,279
Speaker 5: of our partners AKA, who does a lot of our

1023
00:46:09,320 --> 00:46:12,200
Speaker 5: stock market teaching, he is like, he taught me a

1024
00:46:12,239 --> 00:46:14,080
Speaker 5: lot about the stock market. I learned a lot from him.

1025
00:46:14,080 --> 00:46:18,080
Speaker 5: But I do what I call drip investing. So when

1026
00:46:18,080 --> 00:46:20,279
Speaker 5: the stock market falls, that's when I come in and buy,

1027
00:46:20,320 --> 00:46:22,880
Speaker 5: and I buy in phases. So every time it falls

1028
00:46:22,880 --> 00:46:25,200
Speaker 5: ten to fifteen percent, I buy. If it falls more,

1029
00:46:25,239 --> 00:46:27,239
Speaker 5: I buy more, and so I kind of just buy

1030
00:46:27,400 --> 00:46:29,719
Speaker 5: those phases. So when it was falling, I was just

1031
00:46:29,760 --> 00:46:32,680
Speaker 5: buying the whole way down, and then I did sell

1032
00:46:32,680 --> 00:46:34,759
Speaker 5: a little bit a few months later because the stock

1033
00:46:34,800 --> 00:46:37,960
Speaker 5: market recovered so fast that it was like, this is

1034
00:46:38,040 --> 00:46:41,600
Speaker 5: kind of crazy, how fast the stock market is recovering. So,

1035
00:46:42,040 --> 00:46:43,480
Speaker 5: you know, that's kind of what I've been doing with

1036
00:46:43,680 --> 00:46:45,719
Speaker 5: in terms of the stock market. I still haven't really

1037
00:46:45,760 --> 00:46:49,160
Speaker 5: bought much real estate or at all. I'm just trying

1038
00:46:49,200 --> 00:46:51,120
Speaker 5: to figure out what's going on in the real estate market.

1039
00:46:51,239 --> 00:46:52,640
Speaker 1: Where are you buying real estate? I don't even know

1040
00:46:52,640 --> 00:46:55,879
Speaker 1: where you're based. I'm in Michigan, Michigan Okay, so that's

1041
00:46:56,000 --> 00:46:58,040
Speaker 1: and do you have are you investing in real estate

1042
00:46:58,280 --> 00:47:00,200
Speaker 1: close by so you kind of know the area?

1043
00:47:00,320 --> 00:47:02,800
Speaker 5: Yeah, yeah, a lot of it is in the state.

1044
00:47:03,000 --> 00:47:06,560
Speaker 5: So just trying to wait on opportunities. I mean, I'm

1045
00:47:06,600 --> 00:47:10,040
Speaker 5: a big value ad investor. I love finding distressed real estate,

1046
00:47:10,719 --> 00:47:15,480
Speaker 5: whether it's financially distressed or physically distressed, but just waiting

1047
00:47:15,520 --> 00:47:16,480
Speaker 5: on a deal.

1048
00:47:17,080 --> 00:47:20,080
Speaker 1: That's to a fixer rupper basically, yeah, I love fixer rubbers.

1049
00:47:20,120 --> 00:47:22,640
Speaker 2: I'm working on my first fixture upper right now, so

1050
00:47:22,640 --> 00:47:23,600
Speaker 2: I'm excited to see.

1051
00:47:23,600 --> 00:47:25,279
Speaker 4: Like what, Oh, that's awesome, muse.

1052
00:47:25,280 --> 00:47:27,560
Speaker 2: I was like, you know what, I feel like my

1053
00:47:27,840 --> 00:47:30,480
Speaker 2: first kind of jount into investing was really investing by

1054
00:47:30,520 --> 00:47:33,799
Speaker 2: growing up business because I was scared of investing traditionally

1055
00:47:33,840 --> 00:47:36,239
Speaker 2: since I had that scam. And then I got my

1056
00:47:36,440 --> 00:47:39,680
Speaker 2: financial planner and she really helped to like pry open

1057
00:47:39,760 --> 00:47:41,120
Speaker 2: my cold dead hands.

1058
00:47:40,920 --> 00:47:41,600
Speaker 3: Around my money.

1059
00:47:42,840 --> 00:47:45,920
Speaker 2: So because I had enough, I had so much save

1060
00:47:46,080 --> 00:47:48,360
Speaker 2: that the house I'm living in now, I paid for

1061
00:47:48,400 --> 00:47:51,279
Speaker 2: it in cash and renovated in cash, and paid off

1062
00:47:51,320 --> 00:47:53,160
Speaker 2: my parents' house in cash, and paid off my student

1063
00:47:53,280 --> 00:47:56,000
Speaker 2: loans in cash. And but there was but not really

1064
00:47:56,040 --> 00:48:01,440
Speaker 2: because she was like Tiffany, you have enough last your lifetime.

1065
00:48:01,480 --> 00:48:04,200
Speaker 2: You need to invest some of this money. So you know,

1066
00:48:04,280 --> 00:48:06,240
Speaker 2: I did that. But then so the real estate property

1067
00:48:06,239 --> 00:48:10,320
Speaker 2: that I bought, it's a tax deed from the city

1068
00:48:10,320 --> 00:48:12,239
Speaker 2: where I live in New Jersey, and so it was

1069
00:48:12,239 --> 00:48:15,760
Speaker 2: ten thousand dollars, which is awesome, and it needed.

1070
00:48:15,560 --> 00:48:17,680
Speaker 3: About one hundred and fifty thousand dollars worth of work.

1071
00:48:17,719 --> 00:48:20,480
Speaker 2: But the homes around their goal for about two twenty

1072
00:48:20,480 --> 00:48:23,600
Speaker 2: five and they're building a new train station that goes

1073
00:48:23,600 --> 00:48:26,160
Speaker 2: directly to New York City, like around the corner. Yeah,

1074
00:48:26,200 --> 00:48:27,920
Speaker 2: so I'm like, yeah, I cannot wait to see this,

1075
00:48:28,960 --> 00:48:32,640
Speaker 2: to see We're looking now, I'm stacking money to look

1076
00:48:33,200 --> 00:48:35,640
Speaker 2: same as you, to see if there's like another opportunity

1077
00:48:35,640 --> 00:48:40,239
Speaker 2: to purchase something. Because my angelie, my financial planner, said,

1078
00:48:40,520 --> 00:48:42,719
Speaker 2: you've already you know, you've hit your goal for the

1079
00:48:42,800 --> 00:48:45,680
Speaker 2: year as far as setting aside for retirement and just

1080
00:48:45,760 --> 00:48:49,640
Speaker 2: investing for wealth with her, and so now she just

1081
00:48:49,680 --> 00:48:51,960
Speaker 2: suggested that we start to for the rest of the

1082
00:48:52,040 --> 00:48:54,879
Speaker 2: year put the rest away to purchase real estate when

1083
00:48:54,920 --> 00:48:56,319
Speaker 2: we felt the time was right. So that's what my

1084
00:48:56,360 --> 00:48:59,640
Speaker 2: husband and I are doing now. But yeah, did you

1085
00:48:59,760 --> 00:49:01,520
Speaker 2: have I mean, I never would have thought I would

1086
00:49:01,520 --> 00:49:04,359
Speaker 2: have had a financial planner, So I guess that's my question.

1087
00:49:04,440 --> 00:49:06,120
Speaker 2: Do you have someone? I mean, I know you have Ak.

1088
00:49:06,160 --> 00:49:08,359
Speaker 2: I love him too because I watch his channel. He's

1089
00:49:08,360 --> 00:49:10,320
Speaker 2: a little wilder than you, but he's still funny.

1090
00:49:10,400 --> 00:49:12,880
Speaker 5: Yeah, he's really smart.

1091
00:49:13,239 --> 00:49:16,840
Speaker 4: He's like edgy, but he's really smart.

1092
00:49:17,239 --> 00:49:18,160
Speaker 3: So is that your go to?

1093
00:49:18,280 --> 00:49:19,920
Speaker 2: Or do you have like a formal because I know

1094
00:49:20,040 --> 00:49:22,880
Speaker 2: Mandy has someone her name is Helen, that kind of

1095
00:49:22,880 --> 00:49:24,880
Speaker 2: guides her through the things that she doesn't know. Do

1096
00:49:24,920 --> 00:49:26,759
Speaker 2: you have like a go to aside from him, that

1097
00:49:26,840 --> 00:49:29,400
Speaker 2: guide you through the things that you don't know financially.

1098
00:49:29,719 --> 00:49:30,920
Speaker 4: In different areas.

1099
00:49:31,160 --> 00:49:33,920
Speaker 5: Yes, So not like one kind of go to financial

1100
00:49:33,920 --> 00:49:36,480
Speaker 5: planner in that sense, But you know, people I have

1101
00:49:36,680 --> 00:49:38,959
Speaker 5: like Ak is who I go to In the stock market.

1102
00:49:39,000 --> 00:49:41,280
Speaker 5: I have a few friends who are I mean absolutely

1103
00:49:41,360 --> 00:49:41,759
Speaker 5: killing it.

1104
00:49:41,800 --> 00:49:42,480
Speaker 4: In real estate.

1105
00:49:43,480 --> 00:49:45,440
Speaker 5: I have a couple of people, not many in the

1106
00:49:45,600 --> 00:49:48,880
Speaker 5: entrepreneur business space that I talked to, but mainly in

1107
00:49:49,200 --> 00:49:51,920
Speaker 5: the real estate and stock market space. Do I have

1108
00:49:51,960 --> 00:49:54,439
Speaker 5: people that kind of bounced ideas off of and talked

1109
00:49:54,440 --> 00:49:56,120
Speaker 5: to about what's going on And a couple of brokers

1110
00:49:56,160 --> 00:49:59,239
Speaker 5: in the area that are really really active in the

1111
00:49:59,239 --> 00:50:00,000
Speaker 5: real estate market.

1112
00:50:00,400 --> 00:50:02,960
Speaker 1: What do you have So you mentioned investing on the

1113
00:50:03,080 --> 00:50:06,880
Speaker 1: side so that you can use that money to purchase

1114
00:50:07,360 --> 00:50:10,600
Speaker 1: potentially income properties. What's your investing strategy when it comes

1115
00:50:10,640 --> 00:50:13,279
Speaker 1: to saving for real estate because if you're looking for opportunities,

1116
00:50:13,320 --> 00:50:14,680
Speaker 1: you know, you don't know when this will pop up,

1117
00:50:14,920 --> 00:50:17,600
Speaker 1: so you need to be liquid enough. So I'm curious.

1118
00:50:17,840 --> 00:50:19,839
Speaker 5: So kind of like what I was saying before, right,

1119
00:50:20,360 --> 00:50:23,600
Speaker 5: I have my savings cash, which is just savings, and

1120
00:50:23,600 --> 00:50:26,480
Speaker 5: then I have my investment money, which not all that

1121
00:50:26,520 --> 00:50:31,040
Speaker 5: money is always invested. Cash is a position, and so

1122
00:50:31,239 --> 00:50:34,680
Speaker 5: I have cash that I have waiting to invest. So

1123
00:50:35,200 --> 00:50:37,400
Speaker 5: that's that's kind of my real estate that I'm waiting

1124
00:50:37,600 --> 00:50:39,560
Speaker 5: to buy real estate that's just kind of sitting there. Yeah,

1125
00:50:39,600 --> 00:50:42,840
Speaker 5: it's not growing right now, it's losing value to inflation.

1126
00:50:42,920 --> 00:50:45,040
Speaker 5: But this is money that I'm kind of you know,

1127
00:50:45,120 --> 00:50:47,640
Speaker 5: I have ready because when if real estate prices come down,

1128
00:50:47,680 --> 00:50:48,719
Speaker 5: I want to be there and I want to be

1129
00:50:48,760 --> 00:50:51,560
Speaker 5: the ones that's ready to buy without any questions.

1130
00:50:52,040 --> 00:50:56,480
Speaker 1: Yeah, we can't all be, sister Carol. But did she buy?

1131
00:50:56,600 --> 00:50:58,960
Speaker 1: She bought like fifteen her dollars worth of and paid so.

1132
00:50:59,000 --> 00:51:02,640
Speaker 2: Yeah, she she actually like she loves investing in the

1133
00:51:02,680 --> 00:51:05,480
Speaker 2: market and she can pick them, so she's an engineer

1134
00:51:06,080 --> 00:51:06,479
Speaker 2: by trade.

1135
00:51:06,480 --> 00:51:07,719
Speaker 3: Told her my parents were happy with her.

1136
00:51:08,320 --> 00:51:11,920
Speaker 2: But she she told me about Tesla years ago and

1137
00:51:12,040 --> 00:51:13,920
Speaker 2: she brought it when it was thirty dollars a share.

1138
00:51:14,600 --> 00:51:16,040
Speaker 4: Wow, she was like, you should, you should.

1139
00:51:16,080 --> 00:51:19,680
Speaker 2: This is a company called Tesla, and I was like yeah, nah,

1140
00:51:19,680 --> 00:51:22,880
Speaker 2: and then like and then the next year Thanksgiving, she

1141
00:51:23,000 --> 00:51:24,680
Speaker 2: was like, it's gone up. It's like a hundred dollars

1142
00:51:24,680 --> 00:51:26,880
Speaker 2: a share or whatever it was. And I was still like, no,

1143
00:51:27,080 --> 00:51:29,760
Speaker 2: not interested. So at the time she brought like fifteen

1144
00:51:29,800 --> 00:51:33,560
Speaker 2: hundred dollars worth and yeah, so she ended up like

1145
00:51:33,600 --> 00:51:35,239
Speaker 2: selling it though I forget whatever it was. But she

1146
00:51:35,280 --> 00:51:36,759
Speaker 2: ended up selling it to pay for her wedding and

1147
00:51:36,840 --> 00:51:39,360
Speaker 2: she put in fifteen hundred and got out thirty thousand dollars.

1148
00:51:39,520 --> 00:51:41,960
Speaker 4: So wow, that's an amazing return.

1149
00:51:42,080 --> 00:51:44,120
Speaker 2: Yes, and so but now I listened to her because

1150
00:51:44,120 --> 00:51:46,960
Speaker 2: she told me about Shopify, for example, when it was

1151
00:51:46,960 --> 00:51:48,799
Speaker 2: like I think it was iping, and she was like,

1152
00:51:48,800 --> 00:51:49,560
Speaker 2: I think it's a good stock.

1153
00:51:49,560 --> 00:51:50,400
Speaker 3: I've been doing my research.

1154
00:51:50,440 --> 00:51:53,279
Speaker 2: And I was like, okay, I bought Shopify at how

1155
00:51:53,360 --> 00:51:54,840
Speaker 2: much did I buy it for? I think one hundred

1156
00:51:54,840 --> 00:51:57,040
Speaker 2: and forty dollars a share. It's over a thousand dollars

1157
00:51:57,120 --> 00:52:00,360
Speaker 2: right now. But wow, my stingy self bought three share

1158
00:52:00,400 --> 00:52:01,600
Speaker 2: something like ah dang.

1159
00:52:02,880 --> 00:52:04,319
Speaker 3: Said a lot more. But yeah.

1160
00:52:04,360 --> 00:52:07,319
Speaker 2: So she's kind of like my my ak because she

1161
00:52:07,360 --> 00:52:11,720
Speaker 2: will do the research and she she loves like stocks.

1162
00:52:11,760 --> 00:52:14,080
Speaker 2: But I just, you know, I just don't have the

1163
00:52:14,120 --> 00:52:16,560
Speaker 2: capacity or really the interest in doing all the research.

1164
00:52:16,600 --> 00:52:19,320
Speaker 2: So I'm mostly like an index mutual fun person, unless

1165
00:52:19,440 --> 00:52:20,960
Speaker 2: you know, she's like, there's a stock. I've been doing

1166
00:52:20,960 --> 00:52:23,359
Speaker 2: this research for the last three years. I really like them.

1167
00:52:23,400 --> 00:52:26,040
Speaker 2: And then we for once all listen. But I have

1168
00:52:26,120 --> 00:52:27,960
Speaker 2: like a random question for you. Do you get like

1169
00:52:28,040 --> 00:52:29,759
Speaker 2: spotted in the streets, like I.

1170
00:52:29,800 --> 00:52:30,719
Speaker 5: Hat you're just great?

1171
00:52:31,280 --> 00:52:32,439
Speaker 4: A few times here and there.

1172
00:52:32,480 --> 00:52:35,279
Speaker 5: Not so much now during COVID, but uh, every once

1173
00:52:35,320 --> 00:52:36,320
Speaker 5: in a while it would.

1174
00:52:36,640 --> 00:52:40,560
Speaker 4: It was funny. I never thought of myself kind of

1175
00:52:40,560 --> 00:52:41,200
Speaker 4: as a celebrity.

1176
00:52:41,200 --> 00:52:43,360
Speaker 5: I still don't, which is like, but it's so so

1177
00:52:43,440 --> 00:52:46,040
Speaker 5: weird when like I'll be like going somewhere with my

1178
00:52:46,120 --> 00:52:48,440
Speaker 5: family or my friends and somebody will kind of just

1179
00:52:48,440 --> 00:52:49,080
Speaker 5: come up to you and.

1180
00:52:48,960 --> 00:52:52,880
Speaker 4: Be like, hey, are you just freak? And I'm like yeah,

1181
00:52:53,280 --> 00:52:54,080
Speaker 4: It's like it's funny.

1182
00:52:54,080 --> 00:52:56,480
Speaker 5: It's amazing because I love connecting with people, you know,

1183
00:52:56,560 --> 00:52:59,000
Speaker 5: our own fans and audience. It's just like, I just

1184
00:52:59,080 --> 00:53:02,200
Speaker 5: never ever thought of myself. I still don't think of

1185
00:53:02,200 --> 00:53:04,919
Speaker 5: myself as kind of like a celebrity in any way,

1186
00:53:05,000 --> 00:53:07,120
Speaker 5: you know. So it's just like I'm just like, look, man,

1187
00:53:07,160 --> 00:53:09,399
Speaker 5: I'm just like you man, it's you know what I mean.

1188
00:53:09,600 --> 00:53:10,920
Speaker 3: Yeah, that's awesome.

1189
00:53:11,760 --> 00:53:15,960
Speaker 1: Just with like one hundred million more people, they're gonna.

1190
00:53:15,760 --> 00:53:17,279
Speaker 2: Be watching it even more now. I'm telling you, like

1191
00:53:17,360 --> 00:53:18,960
Speaker 2: we have been singing your praises.

1192
00:53:20,160 --> 00:53:21,680
Speaker 4: I appreciate that you are also now.

1193
00:53:21,680 --> 00:53:23,480
Speaker 2: When Mandy said that we have Jess breedon, I was like,

1194
00:53:23,560 --> 00:53:25,680
Speaker 2: are you are you toying with me?

1195
00:53:26,719 --> 00:53:27,279
Speaker 4: Oh my god.

1196
00:53:27,920 --> 00:53:29,719
Speaker 1: And then when I told my sister, I mean humble Brake,

1197
00:53:29,760 --> 00:53:31,120
Speaker 1: I just emailed him and he like emails.

1198
00:53:31,880 --> 00:53:34,719
Speaker 3: When I told Carol, my my my stock trading sister,

1199
00:53:34,840 --> 00:53:37,560
Speaker 3: she was like, no way, no way, no way. I

1200
00:53:37,600 --> 00:53:39,879
Speaker 3: was like, I know, you know, I'm telling you now.

1201
00:53:39,880 --> 00:53:42,040
Speaker 2: Even like I said, my three year old niece Amelia

1202
00:53:42,160 --> 00:53:43,680
Speaker 2: was like, Jess break I'm.

1203
00:53:43,480 --> 00:53:44,560
Speaker 3: Like, yes, a million.

1204
00:53:45,280 --> 00:53:47,160
Speaker 4: So you guys are so sweet now.

1205
00:53:47,040 --> 00:53:49,239
Speaker 2: But honestly, you just like I said, it's to me,

1206
00:53:49,600 --> 00:53:53,040
Speaker 2: there needs to be more representation in financial education, and

1207
00:53:53,080 --> 00:53:54,440
Speaker 2: so it was just good to.

1208
00:53:54,400 --> 00:53:57,160
Speaker 3: See someone who looked different.

1209
00:53:57,239 --> 00:54:00,120
Speaker 2: I think it's important for people to see themselves and

1210
00:54:00,160 --> 00:54:04,680
Speaker 2: the people that they're learning from. And so I just honestly,

1211
00:54:04,719 --> 00:54:06,400
Speaker 2: I don't know how for so long because Mandy and

1212
00:54:06,400 --> 00:54:08,759
Speaker 2: I are part of like this like kind of like

1213
00:54:08,880 --> 00:54:11,520
Speaker 2: brown coalition of financial like educators, and.

1214
00:54:11,480 --> 00:54:12,960
Speaker 3: I'm like, how do we not know about Joss Free

1215
00:54:13,040 --> 00:54:16,920
Speaker 3: until recently? Because I make it my business?

1216
00:54:21,400 --> 00:54:23,680
Speaker 2: Yes, because I think, like I said, I think I

1217
00:54:23,680 --> 00:54:28,239
Speaker 2: think representation is important because what it's I think traditionally

1218
00:54:28,400 --> 00:54:32,439
Speaker 2: in financial education, black and brown communities are left out

1219
00:54:32,480 --> 00:54:37,200
Speaker 2: of the financial conversation and it's mostly pushed like savings

1220
00:54:37,239 --> 00:54:39,960
Speaker 2: and budgeting, which is good, you know, but sometimes this

1221
00:54:40,160 --> 00:54:43,719
Speaker 2: next level financial education we don't really get access to.

1222
00:54:43,880 --> 00:54:46,839
Speaker 2: So I think it's important that you know that people

1223
00:54:46,880 --> 00:54:49,880
Speaker 2: who look different, people who sound different, people who have

1224
00:54:50,280 --> 00:54:52,240
Speaker 2: different names, Like but I don't even use my African

1225
00:54:52,280 --> 00:54:53,920
Speaker 2: name because no one can say it properly, and so

1226
00:54:53,920 --> 00:54:57,440
Speaker 2: I'm just calling Tiffany it's Adochi, which.

1227
00:54:57,280 --> 00:55:01,359
Speaker 4: Is not that hard adote like that's awesome, and so.

1228
00:55:01,680 --> 00:55:04,520
Speaker 2: But yeah, I think that it's so representation in this

1229
00:55:04,640 --> 00:55:09,080
Speaker 2: space is so important because it means that everyone gets

1230
00:55:09,120 --> 00:55:12,640
Speaker 2: to learn, everyone gets to have a say, and and

1231
00:55:12,760 --> 00:55:15,200
Speaker 2: everyone gets to like to reach and being powered.

1232
00:55:15,320 --> 00:55:18,239
Speaker 3: So no, we just really thank you.

1233
00:55:17,480 --> 00:55:19,319
Speaker 5: No, thank you guys for having Thank you too for

1234
00:55:19,360 --> 00:55:21,719
Speaker 5: having me that it was. This is an amazing call

1235
00:55:21,760 --> 00:55:24,520
Speaker 5: and I love what you two are doing. This is

1236
00:55:24,520 --> 00:55:29,040
Speaker 5: a much needed financial education is so needed, especially.

1237
00:55:28,680 --> 00:55:29,439
Speaker 4: Now more than ever.

1238
00:55:29,520 --> 00:55:33,800
Speaker 5: I mean, our whole kind of society, our whole education

1239
00:55:33,880 --> 00:55:36,560
Speaker 5: system is good. But at the end of the day,

1240
00:55:36,680 --> 00:55:39,160
Speaker 5: if you do not know how to manage and master

1241
00:55:39,280 --> 00:55:42,880
Speaker 5: your money, doesn't matter what you do. You know, if

1242
00:55:43,480 --> 00:55:44,880
Speaker 5: you can have the best job in the world, but

1243
00:55:44,920 --> 00:55:48,279
Speaker 5: if you're struggling to pay your bills, you are it's

1244
00:55:48,360 --> 00:55:50,000
Speaker 5: just not you know, you're not fully there.

1245
00:55:50,480 --> 00:55:53,200
Speaker 1: Yeah, well, just Breed, thank you so much for coming

1246
00:55:53,239 --> 00:55:56,239
Speaker 1: on b a minority Minds at the Minority Minds at

1247
00:55:56,320 --> 00:55:59,960
Speaker 1: dot com folks find him on YouTube. Subscribe right now

1248
00:56:00,360 --> 00:56:02,840
Speaker 1: and you also have a great insta. Yes, is that

1249
00:56:02,880 --> 00:56:03,839
Speaker 1: the minority mindset too?

1250
00:56:03,880 --> 00:56:05,280
Speaker 4: It is in this minority mindset.

1251
00:56:05,920 --> 00:56:08,719
Speaker 1: Yeah, and real quick for our final question, if I

1252
00:56:08,719 --> 00:56:10,239
Speaker 1: can just call it the final question. I don't know

1253
00:56:10,280 --> 00:56:12,480
Speaker 1: Tiffany might want to talk to you for like, no, no, no, no,

1254
00:56:12,320 --> 00:56:13,879
Speaker 1: few hours because I've done enough.

1255
00:56:13,880 --> 00:56:16,319
Speaker 3: I've done enough, but.

1256
00:56:16,520 --> 00:56:20,440
Speaker 1: I have You know, we talk about success and investing

1257
00:56:20,480 --> 00:56:22,719
Speaker 1: in all these things, but you know, what's your long

1258
00:56:22,880 --> 00:56:25,960
Speaker 1: what's your happy like? What's your picture of yourself in

1259
00:56:26,000 --> 00:56:28,120
Speaker 1: the future twenty thirty years on the line, What is

1260
00:56:28,200 --> 00:56:29,800
Speaker 1: just bret and retirement look like? And what are you

1261
00:56:29,880 --> 00:56:30,520
Speaker 1: working toward?

1262
00:56:31,120 --> 00:56:35,000
Speaker 4: Uh? Well, continuing working in this financial space. I love.

1263
00:56:35,120 --> 00:56:38,480
Speaker 5: I love the financial space, but also I'm really interested

1264
00:56:38,520 --> 00:56:40,040
Speaker 5: in the venture capital space.

1265
00:56:40,040 --> 00:56:41,400
Speaker 4: I love working with entrepreneurs.

1266
00:56:41,800 --> 00:56:44,080
Speaker 5: So maybe something kind of a blend between the two,

1267
00:56:44,120 --> 00:56:49,359
Speaker 5: working with entrepreneurs, helping fund entrepreneurs fuel their dreams and

1268
00:56:49,640 --> 00:56:52,480
Speaker 5: kind of working with them too, So something in that space.

1269
00:56:53,080 --> 00:56:55,440
Speaker 1: I love that. Okay, so one day we'll get those socks,

1270
00:56:55,440 --> 00:56:58,000
Speaker 1: but maybe someone will. Yes, exactly, it's your VC funding,

1271
00:57:00,000 --> 00:57:02,799
Speaker 1: all right, Jeffree, thank you so so much. Y'all go

1272
00:57:02,920 --> 00:57:04,680
Speaker 1: follow just free the minority mindset.

1273
00:57:04,800 --> 00:57:05,600
Speaker 4: Thank you so much.

1274
00:57:23,480 --> 00:57:25,080
Speaker 3: Mandra I had need a call drink.

1275
00:57:26,120 --> 00:57:31,000
Speaker 1: How you got that speed stick somewhere nearby?

1276
00:57:32,280 --> 00:57:35,560
Speaker 3: Honestly, yeah, this is yes, I do.

1277
00:57:35,760 --> 00:57:38,560
Speaker 2: He's just like, like I said, to find somebody who

1278
00:57:38,600 --> 00:57:40,160
Speaker 2: it's like I feel like Jeff Brie is like the

1279
00:57:40,160 --> 00:57:40,920
Speaker 2: budgete Stowe.

1280
00:57:42,240 --> 00:57:43,360
Speaker 1: Yeah, the budgete Sto.

1281
00:57:43,480 --> 00:57:44,560
Speaker 3: Oh that's funny.

1282
00:57:45,400 --> 00:57:49,720
Speaker 1: Yes, I mean, and it's you know, the fact that

1283
00:57:49,720 --> 00:57:51,840
Speaker 1: he focuses on the mindset is great because I feel

1284
00:57:51,840 --> 00:57:54,080
Speaker 1: like we talked about that a lot. Just how you know,

1285
00:57:54,120 --> 00:57:56,560
Speaker 1: what's holding us back is really the knowledge, access to

1286
00:57:56,600 --> 00:57:59,640
Speaker 1: the knowledge, and then understanding how to you know, move

1287
00:57:59,680 --> 00:58:01,400
Speaker 1: forward with that knowledge in mind and not let your

1288
00:58:01,400 --> 00:58:04,240
Speaker 1: emotions kind of get in the way. But yeah, I

1289
00:58:04,240 --> 00:58:06,080
Speaker 1: love him. You guys got to check out just Bread

1290
00:58:06,880 --> 00:58:09,360
Speaker 1: the minority mindset, and I feel like, look out for

1291
00:58:09,440 --> 00:58:13,680
Speaker 1: Tiffany and just Breed's co authored book coming forthcoming. I

1292
00:58:13,680 --> 00:58:14,400
Speaker 1: don't know, I feel like.

1293
00:58:16,440 --> 00:58:18,280
Speaker 2: A party, we can to do something, even if it's

1294
00:58:18,320 --> 00:58:20,720
Speaker 2: just a live or something, because I just feel like

1295
00:58:21,160 --> 00:58:23,080
Speaker 2: that Dreamcatchers need to get to know Jasper.

1296
00:58:23,560 --> 00:58:26,480
Speaker 1: I feel like, dare I say they will, but I'm

1297
00:58:26,560 --> 00:58:28,120
Speaker 1: right to round out the show. Do you want to

1298
00:58:28,120 --> 00:58:29,560
Speaker 1: do a quick brown boost, brown break?

1299
00:58:31,320 --> 00:58:34,960
Speaker 3: Well, I'm not gonna lie. I am not prepared.

1300
00:58:35,000 --> 00:58:36,480
Speaker 2: Well you know what, No, I do want to do

1301
00:58:36,600 --> 00:58:39,360
Speaker 2: a brown unfortunately, a brown break.

1302
00:58:39,400 --> 00:58:42,520
Speaker 3: I hate to bring bring down the good times, but.

1303
00:58:42,600 --> 00:58:44,240
Speaker 1: Bring us down, bring us up, don't worry.

1304
00:58:44,440 --> 00:58:46,240
Speaker 3: No, good because I.

1305
00:58:46,280 --> 00:58:50,520
Speaker 2: Was on the IG and someone had posted I'm like,

1306
00:58:50,600 --> 00:58:56,240
Speaker 2: is this real life where our current administration has He's

1307
00:58:56,360 --> 00:59:01,479
Speaker 2: banned federal agencies from conducting racial sensitivity related to white

1308
00:59:01,480 --> 00:59:06,240
Speaker 2: privilege and criminal race theory that he feels that it's

1309
00:59:06,280 --> 00:59:10,800
Speaker 2: divisive and anti American propaganda. Can you imagine? And I

1310
00:59:11,040 --> 00:59:16,320
Speaker 2: just I was like, we are living in like really

1311
00:59:17,000 --> 00:59:19,720
Speaker 2: scary times. And when I saw that, I was like,

1312
00:59:19,760 --> 00:59:22,400
Speaker 2: oh my god. And so I'm just telling people like, honestly,

1313
00:59:22,920 --> 00:59:24,919
Speaker 2: please do not take your vote for granted. We need

1314
00:59:24,960 --> 00:59:27,840
Speaker 2: you to vote. We need you to submit your you know,

1315
00:59:27,960 --> 00:59:30,640
Speaker 2: your your your ballad via mail or go and line

1316
00:59:30,720 --> 00:59:32,520
Speaker 2: up to vote. I mean, I just we can't live

1317
00:59:32,560 --> 00:59:35,960
Speaker 2: like this and don't just vote. Consider becoming a poll worker.

1318
00:59:36,000 --> 00:59:39,280
Speaker 2: It's extremely easy and the I just signed up. I

1319
00:59:39,320 --> 00:59:41,080
Speaker 2: sent them like an email every day like please, I

1320
00:59:41,080 --> 00:59:41,880
Speaker 2: want to be a pollworker.

1321
00:59:41,880 --> 00:59:44,200
Speaker 1: In New York. You submit an email to you know,

1322
00:59:44,320 --> 00:59:47,520
Speaker 1: your local Board of Elections or whatnot, and it's all

1323
00:59:47,560 --> 00:59:49,760
Speaker 1: you do is like one short training I feel like

1324
00:59:49,800 --> 00:59:52,760
Speaker 1: maybe an in person or virtual training, and you actually

1325
00:59:52,840 --> 00:59:54,440
Speaker 1: get paid for it. I don't know how much it

1326
00:59:54,520 --> 00:59:56,440
Speaker 1: is everywhere, but in New York it's three hundred and

1327
00:59:56,480 --> 00:59:59,080
Speaker 1: fifty dollars for the day. I was a little bit

1328
00:59:59,160 --> 01:00:01,960
Speaker 1: gutted though, because I actually can't do it. And here's why.

1329
01:00:02,000 --> 01:00:04,840
Speaker 1: They require you to stand up and work from five

1330
01:00:04,880 --> 01:00:07,640
Speaker 1: am until after the polls close, which here in New

1331
01:00:07,720 --> 01:00:12,560
Speaker 1: York is nine pm. Excuse me, Like, where's do I

1332
01:00:12,600 --> 01:00:14,080
Speaker 1: bring the baby and just feed him?

1333
01:00:14,120 --> 01:00:15,360
Speaker 3: Like at the pole's what's happening?

1334
01:00:15,360 --> 01:00:18,920
Speaker 1: It's impossible for me, so and I understand, but I

1335
01:00:19,040 --> 01:00:21,959
Speaker 1: really was desperate to work as a poll worker because

1336
01:00:21,960 --> 01:00:24,880
Speaker 1: there's a shortage because with COVID, you know, because of

1337
01:00:24,920 --> 01:00:26,760
Speaker 1: the hours. And now I understand this, a lot of

1338
01:00:26,760 --> 01:00:29,680
Speaker 1: the people who are poll workers are older and they

1339
01:00:29,720 --> 01:00:31,920
Speaker 1: are not coming out in droves like they usually do

1340
01:00:31,960 --> 01:00:34,400
Speaker 1: because they're afraid of catching COVID. Who can blame them,

1341
01:00:34,600 --> 01:00:36,960
Speaker 1: But that just means we need people to work as

1342
01:00:37,000 --> 01:00:39,480
Speaker 1: poll workers. So if you're available and if you can

1343
01:00:39,520 --> 01:00:41,640
Speaker 1: work those hours. Maybe it's not that way everywhere, but

1344
01:00:41,680 --> 01:00:44,440
Speaker 1: I was genuinely shocked, and I even emailed her back,

1345
01:00:44,600 --> 01:00:48,840
Speaker 1: say five am to nine to win. No, they don't letch.

1346
01:00:48,840 --> 01:00:50,880
Speaker 1: They wouldn't let me do like a short shift or whatever.

1347
01:00:51,040 --> 01:00:53,600
Speaker 1: So I'm super bummed that I can't be a poll worker.

1348
01:00:53,640 --> 01:00:56,680
Speaker 1: But if you can show up, and here's why it matters.

1349
01:00:56,720 --> 01:00:59,000
Speaker 1: This summer, when we were it was a primaries here

1350
01:00:59,440 --> 01:01:02,360
Speaker 1: in our in our area, the line for the polls

1351
01:01:02,440 --> 01:01:04,440
Speaker 1: was insane. My husband went out there for four or

1352
01:01:04,440 --> 01:01:07,480
Speaker 1: five hours standing and that's because due to the shortage

1353
01:01:07,480 --> 01:01:10,520
Speaker 1: of poll workers, they have decreased the number of polling locations,

1354
01:01:10,760 --> 01:01:13,040
Speaker 1: so we went from like sixty places to vote to five.

1355
01:01:13,520 --> 01:01:15,480
Speaker 1: And that means people are like, if people have to

1356
01:01:15,520 --> 01:01:17,840
Speaker 1: wait in that long line, if they have babies at home,

1357
01:01:17,920 --> 01:01:19,800
Speaker 1: like I did, I had to go home to my child.

1358
01:01:19,840 --> 01:01:22,520
Speaker 1: I didn't vote in the primary. I don't want that

1359
01:01:22,560 --> 01:01:26,360
Speaker 1: to happen. So if you can show up, volunteer work

1360
01:01:26,400 --> 01:01:28,760
Speaker 1: as a pollwork or whatever you can and help make

1361
01:01:28,800 --> 01:01:31,800
Speaker 1: sure people are able to cast their vote. And if

1362
01:01:31,800 --> 01:01:34,040
Speaker 1: you if you can't do that, at least tell people

1363
01:01:34,080 --> 01:01:36,960
Speaker 1: that they can vote early and help them, you know,

1364
01:01:37,040 --> 01:01:39,560
Speaker 1: figure all that out. Just google your state vote early

1365
01:01:39,640 --> 01:01:41,000
Speaker 1: and figure out how to request about it.

1366
01:01:41,600 --> 01:01:44,480
Speaker 3: Exactly, exactly exactly.

1367
01:01:44,640 --> 01:01:46,640
Speaker 2: I haven't done that in a while. Shout out to Maguell,

1368
01:01:46,680 --> 01:01:50,600
Speaker 2: my husband, my sister's husband. Yeah, no, I think that

1369
01:01:51,320 --> 01:01:53,360
Speaker 2: hot child. I mean, I'm not gonna lie. There's a

1370
01:01:53,400 --> 01:01:56,800
Speaker 2: lot of stress bubbling, but I am hopeful that we

1371
01:01:56,880 --> 01:01:58,720
Speaker 2: will pull through and we will be okay.

1372
01:01:59,200 --> 01:01:59,840
Speaker 3: Just gotta knat it.

1373
01:01:59,840 --> 01:02:02,720
Speaker 1: Till a third of November, y'all. Exactly. I mean we

1374
01:02:02,840 --> 01:02:04,640
Speaker 1: had death freed on, so I mean I think we

1375
01:02:04,640 --> 01:02:07,440
Speaker 1: can make it happy regardless of what happened. You know,

1376
01:02:07,600 --> 01:02:10,720
Speaker 1: folks like just free give me hope for the future. Yes,

1377
01:02:10,880 --> 01:02:12,960
Speaker 1: you know, but but but still can we vote though?

1378
01:02:13,000 --> 01:02:14,920
Speaker 1: Can we get this Will out of office? That'll be nice?

1379
01:02:15,200 --> 01:02:15,720
Speaker 3: Exactly?

1380
01:02:16,400 --> 01:02:19,000
Speaker 1: All right, Well, I'll do my brown boost, well one

1381
01:02:19,040 --> 01:02:21,400
Speaker 1: big brown boost to anyone who's working the polls this year,

1382
01:02:21,400 --> 01:02:24,439
Speaker 1: but also brown boost prom boost to Tia and Mary

1383
01:02:24,760 --> 01:02:27,040
Speaker 1: to Marrow Mawori. Can we just talk about Sister Sister

1384
01:02:27,120 --> 01:02:29,720
Speaker 1: for one second, which is on Netflix? Please enjoy it.

1385
01:02:30,440 --> 01:02:34,680
Speaker 1: That show is still so good, like twenty something years later.

1386
01:02:34,760 --> 01:02:41,680
Speaker 1: I can't believe how hilarious. Come on, go home. Oh man,

1387
01:02:42,360 --> 01:02:45,160
Speaker 1: I just am so so good. The writing is so

1388
01:02:45,280 --> 01:02:50,800
Speaker 1: on point. Jackie Jackie, Yes, Harry, yep, Harry, and then

1389
01:02:50,840 --> 01:02:54,120
Speaker 1: Tim Reid and then Marquise Houston or Marquez. I don't

1390
01:02:54,120 --> 01:02:55,680
Speaker 1: know how you say his name, but whatever, I'm.

1391
01:02:55,960 --> 01:02:58,120
Speaker 3: Well Marcus, super simple, Marcus.

1392
01:02:58,200 --> 01:02:58,920
Speaker 1: It's not Marcis.

1393
01:03:00,600 --> 01:03:04,920
Speaker 3: I know that's it's very brownish, but it's all hilarious.

1394
01:03:05,240 --> 01:03:07,840
Speaker 1: There's so funny, and this is the show. I'm just like, man,

1395
01:03:07,880 --> 01:03:10,960
Speaker 1: I miss black TV. I'm glad that shows like this.

1396
01:03:11,040 --> 01:03:12,760
Speaker 1: I feels like it feels like Netflix is going out

1397
01:03:12,760 --> 01:03:15,840
Speaker 1: of its way to put more black you know, black

1398
01:03:15,920 --> 01:03:18,919
Speaker 1: lead shows on their on their platform, which is you know,

1399
01:03:19,160 --> 01:03:21,560
Speaker 1: why didn't I till now? But whatever, they're doing it now.

1400
01:03:21,880 --> 01:03:24,080
Speaker 1: So I just if you haven't, if you want to

1401
01:03:24,080 --> 01:03:26,360
Speaker 1: go back to your to your youth, go watch sister, sister.

1402
01:03:26,440 --> 01:03:28,800
Speaker 1: I promise you will not regret it. It's still larious

1403
01:03:29,160 --> 01:03:33,040
Speaker 1: and it's Alice. You'll Milda, sister sister, I never knew

1404
01:03:33,120 --> 01:03:37,440
Speaker 1: how much I missed you. I'm trying to wait till

1405
01:03:37,440 --> 01:03:40,320
Speaker 1: they're college, till they go to college, because that's when

1406
01:03:40,320 --> 01:03:41,800
Speaker 1: they did the new theme song and it was like

1407
01:03:41,880 --> 01:03:45,120
Speaker 1: sexy and grown up and stuff. Yeah, I know, my

1408
01:03:45,200 --> 01:03:47,720
Speaker 1: own time, on my own time, all right, I gotta go.

1409
01:03:47,920 --> 01:03:49,600
Speaker 1: I really am okay a great.

1410
01:03:50,440 --> 01:03:52,040
Speaker 3: So what episode number is this?

1411
01:03:52,040 --> 01:03:54,960
Speaker 1: This is well, okay, this is two thirty three, y'all.

1412
01:03:55,120 --> 01:03:58,920
Speaker 1: Two thirty three okay, which is insane. We've done over

1413
01:03:58,960 --> 01:04:02,400
Speaker 1: two hundred shows that's crazy. All right, y'all, we'll catch

1414
01:04:02,480 --> 01:04:05,960
Speaker 1: us next week. Enjoy your interview with Jess Breet. Let

1415
01:04:06,040 --> 01:04:07,560
Speaker 1: us know how you feel about it. Leave us a

1416
01:04:07,600 --> 01:04:11,400
Speaker 1: comment on iTunes, leave us a review, Hit us up

1417
01:04:11,440 --> 01:04:15,160
Speaker 1: on Instagram. We're at The Brown Ambition Podcast on Instagram,

1418
01:04:15,280 --> 01:04:18,720
Speaker 1: or you can email us at wait what what's our email?

1419
01:04:18,760 --> 01:04:20,880
Speaker 1: At the BA podcast at gmail dot com.

1420
01:04:21,000 --> 01:04:23,240
Speaker 2: Yes, so he can tag me and like directly at

1421
01:04:23,240 --> 01:04:25,320
Speaker 2: the budget, e Steve, You're like, girl, you was fanning out.

1422
01:04:25,320 --> 01:04:28,200
Speaker 3: I'm okay with it, Superman, I'm okay with it.

1423
01:04:28,520 --> 01:04:30,240
Speaker 1: He was fine with it. Who doesn't want to be

1424
01:04:30,280 --> 01:05:41,320
Speaker 1: fond over by your budget? Nesta attatatatatastasattattattattat