WEBVTT - 2020 Rewind: Minority Mindset

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<v Speaker 1>HEYBA fam, it's Mandy here. Oh it's kind of sad

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<v Speaker 1>for me to be doing the intro for the last

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<v Speaker 1>show of twenty twenty, but honestly, there's so much to

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

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<v Speaker 1>And let me just be the one to say, you

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<v Speaker 1>have permission to feel however you feel right now. Okay,

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<v Speaker 1>thank you so much for being a part of the

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<v Speaker 1>Brand Ambition family this year of all years, and I

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<v Speaker 1>am delighted to bring to you our last show of

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<v Speaker 1>twenty twenty. It is our Conversation, a look back at

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<v Speaker 1>our conversation rather with just Breach seeing the founder of

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<v Speaker 1>Minority Mindset. Minority Mindset is not just an amazing YouTube

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<v Speaker 1>channel that everyone should go subscribe to you like right

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<v Speaker 1>now and don't forget to tell them BA sent you,

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<v Speaker 1>but it's also a newsletter and just an all around

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<v Speaker 1>source of financial literacy. Just brit is so inspirational and

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

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<v Speaker 1>at explaining different concepts, whether it be investing, buying real estate,

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<v Speaker 1>starting a business, or just starting a budget. Honestly, we

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<v Speaker 1>cannot recommend him more and we hope that you enjoy

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<v Speaker 1>our conversation with just Brit. Happy new Year, Please take care,

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<v Speaker 1>be well and we'll see y'all next year.

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<v Speaker 2>Hey, hey, hey, I can't contain my excitement. Okay, Hey, Mandy,

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<v Speaker 2>how you doing.

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<v Speaker 1>I'm so good. How are you, Tiffany?

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<v Speaker 3>Oh my goodness.

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<v Speaker 2>I honestly don't think I've ever been this excited before

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<v Speaker 2>to tape our podcast. I mean, I'm always excited. Speaking

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<v Speaker 2>of which sidebar, I went to a children's birthday party

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<v Speaker 2>this weekend.

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<v Speaker 1>Wait and want to be a hanging like that?

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

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<v Speaker 2>I went to this children's birthday party.

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<v Speaker 3>I walked in. This lady said, I was just listening

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<v Speaker 3>to brand ambition and tell me Andy.

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<v Speaker 2>I said hi, And I was like, what at this

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<v Speaker 2>nine year old birthday party? I just had to tell

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<v Speaker 2>you that that she said Hi. She was really nice.

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<v Speaker 2>But it's just yeah, so we're everywhere, just to tell

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

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<v Speaker 2>because we have a special guest today and I can't

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<v Speaker 2>even focus on anything else.

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<v Speaker 1>I did not know what a stand you were.

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<v Speaker 2>What this is I'm trying to think is to anybody

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<v Speaker 2>in the finance world that I want to like talk

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

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<v Speaker 2>I don't even know the other two. Like, I don't

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<v Speaker 2>even know the other two. I'm just saying top three

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<v Speaker 2>because I don't want to see him crazy by saying

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<v Speaker 2>my number one.

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<v Speaker 1>Well, I'm so excited too, you guys should I let's

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<v Speaker 1>let's let's get to it. Our guest today is the

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<v Speaker 1>fabulous just Breet Sing, the founder of the Minority Mindset,

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<v Speaker 1>which has basically become like a financial education empire. If

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<v Speaker 1>we can, yes, we can say that Sure started as

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<v Speaker 1>a YouTube channel four or five years ago. Hmmm. Also

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<v Speaker 1>celebrating our five year anniversary. So I feel like our

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<v Speaker 1>journeys have been in tandem. But Just Bread started his

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<v Speaker 1>YouTube channel in twenty fifteen. It has blown up. He's

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<v Speaker 1>got hundreds of thousands of subscribers, he's got a massive

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<v Speaker 1>Instagram following. But he also has really at the heart

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<v Speaker 1>of Minority Mindset is financial education. So he has a

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<v Speaker 1>very successful blog, a newsletter that I actually signed my

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<v Speaker 1>husband up for, you know how, Like I was like, babe,

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<v Speaker 1>listen to you know, get this newsletter, and I just

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<v Speaker 1>like put an email in Now he loves his newsletter.

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<v Speaker 1>I feel like next to Robin Hood Snacks and the

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<v Speaker 1>Minority Mindset newsletter, I'm set for the day. Yeah, I

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<v Speaker 1>got my you know, I got my financial news all covered.

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<v Speaker 1>So just is here with us? Can't we to tell?

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<v Speaker 2>Oh my gosh, if the word geeked was in the dictionary,

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<v Speaker 2>it'd be my face right now.

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<v Speaker 1>Like.

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<v Speaker 2>Okay, you have no idea, like bothered, I loved as

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<v Speaker 2>you have no idea?

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<v Speaker 3>What another? Yes?

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<v Speaker 2>Well you know what it is I love about him

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<v Speaker 2>is that one another brown financial educator who actually educates,

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<v Speaker 2>Like he has this passion for teaching and you know,

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<v Speaker 2>like the teacher me, I'm like a teacher snob. So

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

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<v Speaker 2>You could tell one that he really cares too. He's

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<v Speaker 2>a really good teacher because he takes these concepts that

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<v Speaker 2>can be really overwhelming and daunting and makes them easy

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<v Speaker 2>to understand.

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<v Speaker 3>And what I really love is that Jossprey his.

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<v Speaker 2>Information is different in that like I focus on like

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<v Speaker 2>basic financial education like budgeting and saving and debt, and

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<v Speaker 2>someone like Sandy's side hustles, and someone like Tela sucks,

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<v Speaker 2>But Joshpree really hones in on like economics. He's like

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<v Speaker 2>an economics professor that is fun and engaging and you

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<v Speaker 2>get to learn about like money in this personal sense,

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<v Speaker 2>but what does it mean out there in the world,

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<v Speaker 2>and then how do you bring it back to you?

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<v Speaker 2>Like I've never I've never seen that before, you know,

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<v Speaker 2>all the financial educators that I've seen, in the way

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<v Speaker 2>that someone can teach modern economics in the way that

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

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

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<v Speaker 2>be normal. I'm going to be normal.

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

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<v Speaker 1>YouTube channel. It's the Minority Mindset and he will let

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<v Speaker 1>him explain the meaning behind the minority mindset. May not

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<v Speaker 1>be what you think, but it's one of my favorite

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<v Speaker 1>things about his channel and really his point of view,

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<v Speaker 1>which I'm really interested to talk about. And he and

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<v Speaker 1>Tiffany have like everything in common, so I think we're

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<v Speaker 1>like a little financial guru. Matchmaking is happening here, you know,

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<v Speaker 1>not like that.

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<v Speaker 3>Like no, likee like my friend, he's my friend brother.

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<v Speaker 1>Yes, Josh Bred's going to talk about how he got

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<v Speaker 1>his start in financial literacy education, and like anyone that

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<v Speaker 1>we know in this business, it started with kind of

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<v Speaker 1>a sad story, but he bounced back and now he

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<v Speaker 1>is bringing his education to the masses, and we're going

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<v Speaker 1>to talk with him next on the show. Before we

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<v Speaker 1>do that, what about us tivity? These days?

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

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

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<v Speaker 3>You know, I'm not gonna lie.

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

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<v Speaker 2>I'm breathing, I ate, but yeah, I honestly.

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<v Speaker 1>We're laboring on labor Day? What's wrong with us?

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<v Speaker 3>I know it's okay though, that's fine, it's for a

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<v Speaker 3>good cause. But what about you?

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<v Speaker 2>What's going I can't even think of anything new in

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<v Speaker 2>my life right now other than this, So what about you?

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

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<v Speaker 1>my mom and my stepdad were in town all week long,

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<v Speaker 1>and I feel like I barely saw them because of course,

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<v Speaker 1>I was taking advantage of all that free childcare to

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<v Speaker 1>do as much work as I possibly could, and part

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<v Speaker 1>of that week I spent working on the show. You guys,

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<v Speaker 1>we are so close. The brun Ambition merch Store is

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<v Speaker 1>like ninety nine point nine percent ready to go. In fact,

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<v Speaker 1>maybe by this week's episode there will be a place

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<v Speaker 1>where you can finally get your Brown Ambition t shirts,

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<v Speaker 1>okay and onesies. There may be a coffee mug, there

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

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

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<v Speaker 1>booking today's esteemed guests, just saying I also booked a

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<v Speaker 1>couple other guests. Tiffany, he asking you I did this

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<v Speaker 1>month is going to be major. So we have Lynette

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<v Speaker 1>Californi Cox rejoining.

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<v Speaker 3>Our lib right.

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<v Speaker 1>She's like the og guest of Brown Ambition, and I

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<v Speaker 1>figured there was no better way to celebrate our upcoming

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<v Speaker 1>five year anniversary than having one of our faves back

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<v Speaker 1>on the show. But Lynette is going to talk about

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<v Speaker 1>all about how she and her husband Earl. I don't

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<v Speaker 1>know if you follow them on Facebook, but every other

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

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<v Speaker 1>they make six of you know, our six property.

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<v Speaker 3>Yeah.

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<v Speaker 1>So I'm like, Lynette, you have got to and she

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<v Speaker 1>hasn't really, you know, been talking about their journey to

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

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<v Speaker 1>to have her, and We're going to focus all about

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<v Speaker 1>because we do get these questions a lot from listeners.

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<v Speaker 1>You know, what do you guys think about, you know,

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<v Speaker 1>investing in real estate and having an income proper and

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<v Speaker 1>how that all works. But Lynette is really doing it,

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<v Speaker 1>So I'm excited to have her on. I think she's

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<v Speaker 1>gonna be on in a couple of weeks. And then

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<v Speaker 1>we also have doctor Emani. She's from a show called

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<v Speaker 1>Married to Medicine, and she's going to be joining us

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<v Speaker 1>to talk about mental health. As you guys know, like

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<v Speaker 1>we're all we're just I mean, Tiffany and I are

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<v Speaker 1>pretty transparent about, you know, what we do to cope

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<v Speaker 1>with life, and therapy has been a big part of

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<v Speaker 1>my life and I know right now in this in

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<v Speaker 1>these crazy times, mental health is so important and doctor

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<v Speaker 1>Emani is a black woman in mental health really helping

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<v Speaker 1>to remove the stigma. And we're gonna have her on

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<v Speaker 1>to talk about how we can all cope with the

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<v Speaker 1>insanity of today's world a little bit better. So look

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<v Speaker 1>out for an interview with doctor IMMANI coming up in

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<v Speaker 1>September as well.

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<v Speaker 3>Yeah, we're busy beavers.

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

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

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

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<v Speaker 1>you right now, all.

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<v Speaker 3>Right, I'm just I'm gonna screenshot it so i can't

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<v Speaker 3>ride cool.

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<v Speaker 1>Dang now, I'm not to play it cool.

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

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<v Speaker 3>it cool. I'm gonna fan out.

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<v Speaker 2>Okay, No, but yes, are we do have a biogram

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<v Speaker 2>or that was basically we're gonna.

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<v Speaker 1>Talk basically the bio Did I not do No?

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<v Speaker 3>No, you did get a job.

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<v Speaker 1>I'm sorry.

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<v Speaker 3>I'm just flustered.

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<v Speaker 2>And for those of you who are like, oh my god,

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<v Speaker 2>no there is I mean, just you know, I guess

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<v Speaker 2>he's a good looking guy.

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<v Speaker 3>It ain't about that.

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<v Speaker 2>It's just to find somebody who's like a kindred spirit

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<v Speaker 2>in financial education is not an easy thing. So yeah,

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<v Speaker 2>that's what I'm just so geeked aback because it's like

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<v Speaker 2>this is somebody who I really listen to and think, like, wow,

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<v Speaker 2>I've learned so much because I'm to me, a good

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<v Speaker 2>teacher is a better learner, a better student, and so

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<v Speaker 2>like you know, through him, I've been able to just

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<v Speaker 2>learn so much.

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

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

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<v Speaker 1>take a quick break. Tiffany needs to get a glass

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<v Speaker 1>of water, maybe like reapply her to yodorant. And I

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<v Speaker 1>feel I can like feel this wedding. I'm alright, be

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<v Speaker 1>right back with jaspered saying from the minority mindset.

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<v Speaker 3>And we're back.

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<v Speaker 2>So you guys heard my intro. Joss Breed has not

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<v Speaker 2>heard my intro yet, so he's not properly embarrassed as

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<v Speaker 2>he will be later. I am so excited, I mean

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

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<v Speaker 2>but they don't hear me. Gush about another financial educator.

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<v Speaker 2>But I'm super geeked because to find some one who

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<v Speaker 2>is it's excited about personal finance as I am. But

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

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<v Speaker 2>be a school teacher for ten years before I started

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<v Speaker 2>the Budgetnissa.

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<v Speaker 4>Oh wow, that's amazing, and so just.

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<v Speaker 2>Like listening to your your your your YouTube channel literally

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<v Speaker 2>every morning.

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<v Speaker 3>It's like one of the ways I start my day.

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<v Speaker 4>I've gotten that's awesome.

0:11:20.400 --> 0:11:23.240
<v Speaker 2>Like all my sisters listen, especially my sister Carol, so

0:11:23.320 --> 0:11:25.920
<v Speaker 2>much so that my three year old niece Amelia is like, just.

0:11:26.000 --> 0:11:26.680
<v Speaker 3>Free I get.

0:11:26.760 --> 0:11:31.760
<v Speaker 4>Oh my god, that's awesome. Yeah.

0:11:31.800 --> 0:11:34.600
<v Speaker 3>So I'm just really excited. You are awesome and amazing.

0:11:34.600 --> 0:11:38.720
<v Speaker 2>And if you guys have not subscribed to his YouTube channel,

0:11:38.800 --> 0:11:43.160
<v Speaker 2>we highly encourage it. It's minority mindset on YouTube. And yeah,

0:11:43.240 --> 0:11:44.520
<v Speaker 2>let's get this party started.

0:11:44.640 --> 0:11:46.040
<v Speaker 4>You are awesome. Thank you so much.

0:11:46.120 --> 0:11:48.320
<v Speaker 1>Loved we're all having on the show. I think Tip

0:11:48.320 --> 0:11:50.120
<v Speaker 1>and I have both been kind of fanning out or

0:11:50.120 --> 0:11:51.800
<v Speaker 1>standing out for you for a while, and let me

0:11:51.840 --> 0:11:53.880
<v Speaker 1>realize we both watch you, so we had to have

0:11:53.960 --> 0:11:56.520
<v Speaker 1>you on. Just I want for people who don't know

0:11:56.559 --> 0:11:58.600
<v Speaker 1>about the minority mindset and what that means, can you

0:11:58.640 --> 0:12:01.400
<v Speaker 1>just quickly explain what you mean by the minority mindset

0:12:01.440 --> 0:12:03.840
<v Speaker 1>and how it applies to your financial philosophy.

0:12:04.320 --> 0:12:07.120
<v Speaker 5>Yeah, So, the minority mindset has nothing to do with

0:12:07.160 --> 0:12:09.199
<v Speaker 5>the way you look, your ethnicity, or your skin color.

0:12:09.600 --> 0:12:12.120
<v Speaker 5>It's the mindset of thinking differently than the majority of

0:12:12.120 --> 0:12:14.640
<v Speaker 5>people when it comes to your money. So I say, like,

0:12:14.679 --> 0:12:17.640
<v Speaker 5>the majority people have what I call like a consumer

0:12:17.679 --> 0:12:21.240
<v Speaker 5>mindset spend spend spend. I try to teach and help

0:12:21.280 --> 0:12:24.240
<v Speaker 5>people develop more of a minority investor mindset where it's

0:12:24.240 --> 0:12:26.360
<v Speaker 5>more of, Okay, how do I use my money as

0:12:26.360 --> 0:12:29.280
<v Speaker 5>a tool to kind of help build my wealth and

0:12:29.320 --> 0:12:30.960
<v Speaker 5>start of making everybody around me rich?

0:12:32.040 --> 0:12:35.280
<v Speaker 3>Now we love that. How did you get into teaching

0:12:35.440 --> 0:12:36.680
<v Speaker 3>financial education?

0:12:37.160 --> 0:12:37.199
<v Speaker 5>Like?

0:12:37.360 --> 0:12:37.440
<v Speaker 1>How?

0:12:37.480 --> 0:12:40.920
<v Speaker 2>Because I know you are an attorney by or by trade,

0:12:40.960 --> 0:12:43.080
<v Speaker 2>and I love the fact that you're always like, you know,

0:12:43.160 --> 0:12:44.880
<v Speaker 2>I'm an attorney, but I'm not your attorney.

0:12:44.920 --> 0:12:46.520
<v Speaker 3>I'm like such an attorney thing to.

0:12:46.480 --> 0:12:50.400
<v Speaker 2>Say, like, don't suit me, so your grandma? But yeah,

0:12:50.480 --> 0:12:54.200
<v Speaker 2>so how are you still an actively practicing attorney?

0:12:54.240 --> 0:12:55.600
<v Speaker 3>But yeah, how did you make that transition?

0:12:56.440 --> 0:12:56.480
<v Speaker 1>So?

0:12:57.120 --> 0:12:59.600
<v Speaker 5>Uh no, I do not actively practice in that sense.

0:13:00.040 --> 0:13:01.680
<v Speaker 5>It was kind of so. I grew up in a

0:13:01.760 --> 0:13:04.960
<v Speaker 5>very traditional Indian household. When I was growing up, I

0:13:05.000 --> 0:13:07.120
<v Speaker 5>was told that I need to become a doctor. That

0:13:07.200 --> 0:13:08.959
<v Speaker 5>was kind of like the only thing that I was taught,

0:13:09.200 --> 0:13:12.120
<v Speaker 5>like from the day I was born. I was taught

0:13:12.160 --> 0:13:14.199
<v Speaker 5>to study science and math so that way I can

0:13:14.240 --> 0:13:16.400
<v Speaker 5>get into medical school and When I say that my

0:13:16.440 --> 0:13:18.760
<v Speaker 5>parents were strict about me getting into medical school, I

0:13:18.760 --> 0:13:21.040
<v Speaker 5>mean they were very, very, very strict. Like when I

0:13:21.080 --> 0:13:23.720
<v Speaker 5>was in eighth grade, my parents got me a tutor,

0:13:24.000 --> 0:13:26.120
<v Speaker 5>not to help me with my English class that I

0:13:26.160 --> 0:13:29.640
<v Speaker 5>was struggling with, but to help me get into medical school.

0:13:29.640 --> 0:13:32.079
<v Speaker 5>They got me an MCAT tutor, which is the thing

0:13:32.120 --> 0:13:34.200
<v Speaker 5>that people take to get into medical school when they're

0:13:34.240 --> 0:13:38.760
<v Speaker 5>finishing college. So my parents were very serious about me

0:13:38.960 --> 0:13:41.320
<v Speaker 5>going into medicine. But I've always sort of had this

0:13:41.400 --> 0:13:44.720
<v Speaker 5>like entrepreneurial mindset. When I was in high school, I

0:13:44.760 --> 0:13:47.240
<v Speaker 5>started working at weddings. I used to play this Indian

0:13:47.280 --> 0:13:49.280
<v Speaker 5>drum called the Old and I would play this at

0:13:49.320 --> 0:13:52.480
<v Speaker 5>weddings and I got to know a lot of DJs.

0:13:52.840 --> 0:13:54.760
<v Speaker 5>And then my junior and senior year in high school,

0:13:54.800 --> 0:13:57.840
<v Speaker 5>I started actually hosting teen parties for kids in my

0:13:57.920 --> 0:14:01.280
<v Speaker 5>high school. And this was kind of my first real

0:14:01.320 --> 0:14:06.320
<v Speaker 5>exposure to entrepreneurship. And I went to college thinking that

0:14:06.400 --> 0:14:09.600
<v Speaker 5>everybody goes to college to study, Like I thought, people

0:14:09.640 --> 0:14:13.439
<v Speaker 5>would spend the Friday nights in the chemistry lab doing reactions.

0:14:12.840 --> 0:14:15.880
<v Speaker 4>And doing things like this, and everybody was partying.

0:14:16.080 --> 0:14:18.760
<v Speaker 5>Now I don't. I never drink. I was never really

0:14:18.760 --> 0:14:20.800
<v Speaker 5>into partying. It was more just a business for me.

0:14:21.080 --> 0:14:23.560
<v Speaker 5>But I needed something to do on Friday nights. So

0:14:23.840 --> 0:14:26.720
<v Speaker 5>I took my high school kind of teen party business

0:14:26.720 --> 0:14:30.640
<v Speaker 5>into college and I started this college party business. And

0:14:30.680 --> 0:14:33.200
<v Speaker 5>that's when I really started developing this minority mindset because

0:14:33.200 --> 0:14:35.200
<v Speaker 5>the majority of people were partying and blowing all their

0:14:35.240 --> 0:14:37.240
<v Speaker 5>money at parties, and all of a sudden, now I

0:14:37.320 --> 0:14:40.200
<v Speaker 5>was making pretty decent money in college without a degree,

0:14:40.280 --> 0:14:42.960
<v Speaker 5>because I don't know that was possible. And that's when

0:14:42.960 --> 0:14:46.720
<v Speaker 5>I started thinking, Wow, what happens when you think differently

0:14:46.720 --> 0:14:49.280
<v Speaker 5>than the majority of people. So I never grew up

0:14:49.320 --> 0:14:51.840
<v Speaker 5>learning about money. I never grew up learning about entrepreneurship.

0:14:51.840 --> 0:14:53.800
<v Speaker 5>I never grew up learning about business. I actually had

0:14:53.800 --> 0:14:55.400
<v Speaker 5>to do all of this kind of like in secret,

0:14:55.680 --> 0:14:57.280
<v Speaker 5>because I don't want my parents to know that I

0:14:57.400 --> 0:14:59.920
<v Speaker 5>was doing business right. I needed them to think that

0:15:00.080 --> 0:15:03.280
<v Speaker 5>I was going to become a doctor. And so now

0:15:03.280 --> 0:15:04.920
<v Speaker 5>I was starting to make money and I had money

0:15:04.920 --> 0:15:07.080
<v Speaker 5>in the bank for the first time, and so I

0:15:07.080 --> 0:15:11.120
<v Speaker 5>started reading books about investing, and that's when I started

0:15:11.160 --> 0:15:13.800
<v Speaker 5>learning more about real estate investing, in stock market investing,

0:15:14.560 --> 0:15:16.840
<v Speaker 5>and that's when I started learning all this stuff about

0:15:16.840 --> 0:15:19.600
<v Speaker 5>money that I had never been exposed to before. So

0:15:20.160 --> 0:15:23.200
<v Speaker 5>it was like this kind of like almost like mind

0:15:23.240 --> 0:15:25.360
<v Speaker 5>shock because I don't even know this world of like

0:15:26.120 --> 0:15:29.640
<v Speaker 5>money management and investing in passive income even existed.

0:15:30.280 --> 0:15:32.720
<v Speaker 1>So are we we're not outing you to your parents

0:15:32.760 --> 0:15:34.480
<v Speaker 1>right now? Or do they do they know who you are?

0:15:34.600 --> 0:15:36.320
<v Speaker 1>Just free? Did they know? Do they know about the

0:15:36.360 --> 0:15:37.240
<v Speaker 1>manumity mindset?

0:15:37.360 --> 0:15:37.680
<v Speaker 4>They know?

0:15:37.800 --> 0:15:37.840
<v Speaker 1>No?

0:15:38.280 --> 0:15:41.160
<v Speaker 4>Yeah, it was how do they feel about it? Now?

0:15:41.200 --> 0:15:43.600
<v Speaker 4>They love it? You know. Now It's like at first

0:15:43.680 --> 0:15:44.360
<v Speaker 4>it was a big shock.

0:15:44.400 --> 0:15:46.400
<v Speaker 5>It took my mom years to really get over that

0:15:46.480 --> 0:15:48.480
<v Speaker 5>idea that her son wasn't going to become a doctor.

0:15:48.520 --> 0:15:52.040
<v Speaker 5>But now they're like, wow, okay, so I guess this.

0:15:52.040 --> 0:15:55.200
<v Speaker 5>This did work. So it took some time, but you know,

0:15:55.280 --> 0:15:56.680
<v Speaker 5>it was one of those things where you know, my

0:15:56.720 --> 0:15:58.520
<v Speaker 5>parents were never exposed to it either. You know that

0:15:58.720 --> 0:16:00.840
<v Speaker 5>like most of us, I don't think we're ever exposed

0:16:00.840 --> 0:16:04.040
<v Speaker 5>to financial education, money management and investing, so we don't

0:16:04.080 --> 0:16:07.440
<v Speaker 5>know what that even means or that what that entails.

0:16:07.720 --> 0:16:10.000
<v Speaker 1>Do you find that they come to you for advice? Now?

0:16:10.240 --> 0:16:11.800
<v Speaker 1>Are you the family financial guru?

0:16:12.240 --> 0:16:12.400
<v Speaker 3>Oh?

0:16:12.480 --> 0:16:14.000
<v Speaker 4>Yeah, yeah, one hundred percent.

0:16:14.080 --> 0:16:17.000
<v Speaker 5>So I'm help with my dad, because you know, all

0:16:17.040 --> 0:16:18.800
<v Speaker 5>of a sudden, it's like, what is retirement, how do

0:16:18.840 --> 0:16:19.720
<v Speaker 5>you plan for retirement?

0:16:19.720 --> 0:16:20.400
<v Speaker 4>What is investing?

0:16:20.400 --> 0:16:21.880
<v Speaker 5>So I've been helping my dad with all of that,

0:16:22.000 --> 0:16:25.200
<v Speaker 5>and you know, it's it's funny how things have kind

0:16:25.240 --> 0:16:28.280
<v Speaker 5>of come full circle because in the beginning, they're like,

0:16:28.320 --> 0:16:30.480
<v Speaker 5>you know, don't worry about money. If you just get

0:16:30.480 --> 0:16:33.960
<v Speaker 5>a good job, then nothing else matters. But now it's like, wait, no,

0:16:34.040 --> 0:16:36.160
<v Speaker 5>it doesn't work like that. You have to understand your

0:16:36.160 --> 0:16:37.560
<v Speaker 5>money if you want to be able to live a

0:16:37.560 --> 0:16:39.000
<v Speaker 5>good life no matter what you do.

0:16:39.320 --> 0:16:41.320
<v Speaker 3>No, and just I can totally relate.

0:16:41.360 --> 0:16:43.360
<v Speaker 2>My parents were born and raised in Nigeria, and it

0:16:43.440 --> 0:16:47.040
<v Speaker 2>was like you could be a doctor, a lawyer, a pharmacist.

0:16:47.080 --> 0:16:48.360
<v Speaker 3>Everything else is a drug dealer.

0:16:48.640 --> 0:16:52.880
<v Speaker 2>Yeah, so they were delighted when I became a school teacher,

0:16:53.720 --> 0:16:57.240
<v Speaker 2>absolutely thrilled. They were just like, what you're dealing drugs now?

0:16:57.320 --> 0:16:59.560
<v Speaker 2>So now they love the fact that I'm a budgetista.

0:16:59.600 --> 0:17:02.320
<v Speaker 2>But it took many, many years and success for them

0:17:02.360 --> 0:17:03.160
<v Speaker 2>to be okay with it.

0:17:03.480 --> 0:17:04.880
<v Speaker 4>I get it, I get it.

0:17:05.000 --> 0:17:07.119
<v Speaker 5>Yeah, It's just one of those things where you know,

0:17:08.119 --> 0:17:10.280
<v Speaker 5>it's just it's not something we're used to. It's out

0:17:10.280 --> 0:17:13.240
<v Speaker 5>of the ordinary, right, but it's so important, and I

0:17:13.280 --> 0:17:14.919
<v Speaker 5>think a lot of people don't get that, Like, you

0:17:14.920 --> 0:17:17.560
<v Speaker 5>can do whatever you want if you understand money. I mean,

0:17:18.080 --> 0:17:20.280
<v Speaker 5>at that point, if you have the income and you

0:17:20.320 --> 0:17:22.919
<v Speaker 5>have the resources to support it, then you know you

0:17:22.920 --> 0:17:24.520
<v Speaker 5>have no no, nothing holding.

0:17:24.280 --> 0:17:26.280
<v Speaker 1>You back, all right, and you wish so much that

0:17:26.320 --> 0:17:28.280
<v Speaker 1>you had known it when you were younger. What are

0:17:28.280 --> 0:17:30.120
<v Speaker 1>some of the Well I kind of know the answer

0:17:30.160 --> 0:17:32.680
<v Speaker 1>this question already, and in fact, the party your story

0:17:32.720 --> 0:17:35.359
<v Speaker 1>that I love the most is similar to Tiffany's story

0:17:35.359 --> 0:17:39.600
<v Speaker 1>and how she started, which Tiffany talked about people again,

0:17:39.720 --> 0:17:41.720
<v Speaker 1>of course, sort of your story and how you I

0:17:41.720 --> 0:17:44.480
<v Speaker 1>don't know what you call a business scam? What happened

0:17:44.480 --> 0:17:45.000
<v Speaker 1>to you earlier?

0:17:45.080 --> 0:17:49.560
<v Speaker 2>Yeah, a scam? So a quote unquote air quotes. I

0:17:49.640 --> 0:17:51.160
<v Speaker 2>know a friend of mine, but that's okay because he's

0:17:51.160 --> 0:17:51.920
<v Speaker 2>in jail now.

0:17:51.840 --> 0:17:56.000
<v Speaker 3>Hey, jail friend. Oh wow, So it was a scam.

0:17:56.200 --> 0:17:58.439
<v Speaker 2>I was in my twenties, and that's back when you

0:17:58.600 --> 0:18:00.800
<v Speaker 2>believe that when people look like they have money, they

0:18:00.800 --> 0:18:04.639
<v Speaker 2>have money. And so I wanted. I was a preschool teacher.

0:18:04.680 --> 0:18:06.960
<v Speaker 2>I was really good at saving, really good at budgeting.

0:18:07.400 --> 0:18:10.560
<v Speaker 2>I saved like half my income every year and I

0:18:10.600 --> 0:18:12.960
<v Speaker 2>bought a condo when I was twenty five. I was

0:18:13.000 --> 0:18:17.280
<v Speaker 2>what I called financially perfect, right, so great credit score savings.

0:18:17.359 --> 0:18:20.320
<v Speaker 2>But I honestly, my father was a cfo in an

0:18:20.320 --> 0:18:22.560
<v Speaker 2>accountant of a small nonprofit, so I grew up with

0:18:22.600 --> 0:18:24.920
<v Speaker 2>financial education, so I was just doing what he told

0:18:24.960 --> 0:18:27.120
<v Speaker 2>me to do. I was not I didn't have any

0:18:27.119 --> 0:18:28.600
<v Speaker 2>real knowledge. I was just like, well, what do I

0:18:28.640 --> 0:18:32.200
<v Speaker 2>do next, you know, like the dutiful, you know, immigrant

0:18:33.240 --> 0:18:36.320
<v Speaker 2>second first generation daughter, right right. And then one day

0:18:36.320 --> 0:18:38.080
<v Speaker 2>I said, I'm going to take it into my own hands,

0:18:38.119 --> 0:18:39.840
<v Speaker 2>and I reached out to a friend who I thought

0:18:39.880 --> 0:18:43.080
<v Speaker 2>was wealthy, and he subsequently scanned me and it left

0:18:43.119 --> 0:18:45.399
<v Speaker 2>me thirty five thousand dollars in credit card debt, in

0:18:45.400 --> 0:18:47.680
<v Speaker 2>which I never had yes credit card debt before. I

0:18:47.680 --> 0:18:50.920
<v Speaker 2>didn't even tell my parents until literally years later into

0:18:50.920 --> 0:18:51.480
<v Speaker 2>my thirties.

0:18:51.760 --> 0:18:52.080
<v Speaker 4>Wow.

0:18:52.320 --> 0:18:53.200
<v Speaker 3>I was so like.

0:18:54.119 --> 0:18:58.399
<v Speaker 2>Afraid, you know, and ashamed honestly, So yeah, that was

0:18:58.440 --> 0:19:00.640
<v Speaker 2>what triggered. So as I was digging my way out

0:19:01.160 --> 0:19:04.359
<v Speaker 2>other friends, it happened right before and really right during

0:19:04.359 --> 0:19:06.359
<v Speaker 2>the two thousand and eight two thousand and nine with sessions.

0:19:06.359 --> 0:19:08.240
<v Speaker 2>So it's like the worst luck. So I lost my job.

0:19:08.680 --> 0:19:11.679
<v Speaker 2>I had the scam. Now I'm going to foreclosure. It

0:19:11.720 --> 0:19:14.320
<v Speaker 2>was everything that could go wrong went wrong. But as

0:19:14.320 --> 0:19:16.840
<v Speaker 2>I was fixing myself, I realized that there were other

0:19:16.920 --> 0:19:19.320
<v Speaker 2>people that were struggling too. So the teacher in me

0:19:19.480 --> 0:19:22.080
<v Speaker 2>was like, well, Tiffany, you teach why not just help

0:19:22.119 --> 0:19:24.080
<v Speaker 2>your friends? And then they brought their friends and they

0:19:24.080 --> 0:19:26.439
<v Speaker 2>brought their friends. So that was like the advent of

0:19:26.440 --> 0:19:29.800
<v Speaker 2>the budgetista my business. And Mandy said, you experienced like

0:19:29.960 --> 0:19:33.719
<v Speaker 2>a scam that kind of triggered your journey to financial education.

0:19:34.400 --> 0:19:37.640
<v Speaker 5>Yeah, well, well, first off, that sucks. I you know,

0:19:38.119 --> 0:19:40.800
<v Speaker 5>stories like that are always you know, it's great that

0:19:40.880 --> 0:19:43.800
<v Speaker 5>you had that entrepreneurial mindset where it's just like, you know,

0:19:43.840 --> 0:19:45.879
<v Speaker 5>what do I do about this? Instead of complaining about it,

0:19:45.960 --> 0:19:48.439
<v Speaker 5>doing something about this, So props to you. That's that

0:19:48.600 --> 0:19:51.640
<v Speaker 5>was amazing for me. It was actually very similar. I've

0:19:51.680 --> 0:19:55.160
<v Speaker 5>always been that entrepreneur person too, and kind of didn't

0:19:55.160 --> 0:19:57.280
<v Speaker 5>really have much guidance, never really had someone to talk

0:19:57.320 --> 0:20:00.480
<v Speaker 5>to about entrepreneurship or money management or investing. And I

0:20:00.520 --> 0:20:03.679
<v Speaker 5>had this sock business that I started and I was

0:20:03.720 --> 0:20:07.520
<v Speaker 5>getting ready to launch it, and this marketing company came

0:20:07.560 --> 0:20:10.080
<v Speaker 5>up to me. And they were like, hey, let us

0:20:10.119 --> 0:20:12.320
<v Speaker 5>handle your marketing and we're going to get you all

0:20:12.320 --> 0:20:15.520
<v Speaker 5>the sales, all this marketing, and we guarantee you're going

0:20:15.560 --> 0:20:17.800
<v Speaker 5>to see all the success and if you don't, we

0:20:17.880 --> 0:20:21.240
<v Speaker 5>will give you all your money back. So I was skeptical, naturally,

0:20:21.320 --> 0:20:24.359
<v Speaker 5>but you know, this kind of money back guarantee was reassuring.

0:20:24.440 --> 0:20:26.199
<v Speaker 5>So I was like, all right, you know what do

0:20:26.240 --> 0:20:28.919
<v Speaker 5>I got to lose? So I handed these guys a

0:20:28.920 --> 0:20:31.000
<v Speaker 5>lot of money. It wasn't thirty five thousand dollars, but

0:20:31.040 --> 0:20:32.520
<v Speaker 5>it was a lot of money to me at the time.

0:20:33.160 --> 0:20:36.080
<v Speaker 5>And the day after I sent them the money, I

0:20:36.119 --> 0:20:38.439
<v Speaker 5>was in the gym and I remember this because I

0:20:38.520 --> 0:20:41.320
<v Speaker 5>was I really like working out. I'm a big gym person,

0:20:41.680 --> 0:20:43.360
<v Speaker 5>and so I started to kind of get this weird

0:20:43.359 --> 0:20:45.520
<v Speaker 5>feeling in my stomach as I was doing the chest fly,

0:20:46.200 --> 0:20:48.000
<v Speaker 5>and I was like, I don't know, something just doesn't

0:20:48.000 --> 0:20:49.720
<v Speaker 5>feel right in me. So I called up the guy

0:20:49.760 --> 0:20:52.520
<v Speaker 5>that I gave the money to, like twenty four hours later,

0:20:53.119 --> 0:20:55.080
<v Speaker 5>and I was like, hey, man, I know that I

0:20:55.080 --> 0:20:57.320
<v Speaker 5>said that you guys would do the marketing, but you know,

0:20:57.720 --> 0:21:00.000
<v Speaker 5>let's just cancel it right now before you guys actually

0:21:00.040 --> 0:21:02.639
<v Speaker 5>spend any money on advertising and marketing. I want to

0:21:02.640 --> 0:21:04.400
<v Speaker 5>do a refund. I want to do it all myself.

0:21:04.440 --> 0:21:06.120
<v Speaker 5>So let's just end it before you guys spend any

0:21:06.119 --> 0:21:08.320
<v Speaker 5>money that way. You know, no hard feelings, let's just

0:21:08.400 --> 0:21:10.479
<v Speaker 5>kind of move on. So he's like, all right, no problem.

0:21:10.560 --> 0:21:12.919
<v Speaker 5>He puts me on hold, and I was getting really

0:21:12.920 --> 0:21:15.880
<v Speaker 5>irritated because you know, I'm it's just like delaying my workout.

0:21:16.200 --> 0:21:18.200
<v Speaker 5>This has taken a lot longer than expected because I'm

0:21:18.520 --> 0:21:21.040
<v Speaker 5>I'm on hold for like a long time now, and

0:21:21.520 --> 0:21:26.679
<v Speaker 5>eventually the phone just goes beep beep, beep be So

0:21:26.760 --> 0:21:28.879
<v Speaker 5>I was like, yeah, something's wrong. So I called up

0:21:28.880 --> 0:21:31.120
<v Speaker 5>the other two numbers that I had. Nobody picks up,

0:21:31.960 --> 0:21:34.359
<v Speaker 5>Nobody emails me, no one responds to me. Everyone stops

0:21:34.480 --> 0:21:37.159
<v Speaker 5>responding to every single message that I have. So I

0:21:37.200 --> 0:21:39.520
<v Speaker 5>contact an attorney and I found out I was scammed.

0:21:40.440 --> 0:21:42.680
<v Speaker 5>So I was like, all right, what do I do now?

0:21:42.880 --> 0:21:44.879
<v Speaker 5>You know, I launched the business. We had an amazing launch.

0:21:45.359 --> 0:21:47.960
<v Speaker 5>We did, like I forgot. There was like twenty one

0:21:48.000 --> 0:21:49.960
<v Speaker 5>thousand dollars in the first month of pre sales of

0:21:49.960 --> 0:21:52.879
<v Speaker 5>our SOCC business. But I still had that feeling, like,

0:21:52.960 --> 0:21:54.840
<v Speaker 5>you know that sucks, Like there's a lot of honest

0:21:54.920 --> 0:21:58.120
<v Speaker 5>entrepreneurs out there trying to do something, trying to understand

0:21:58.200 --> 0:22:01.360
<v Speaker 5>kind of how to take care of themselves, but don't

0:22:01.359 --> 0:22:05.280
<v Speaker 5>necessarily know everything, so you're more susceptible to scams and

0:22:05.359 --> 0:22:06.479
<v Speaker 5>getting screwed over like this.

0:22:07.400 --> 0:22:08.720
<v Speaker 4>So I was like, you know, what can I do?

0:22:09.119 --> 0:22:12.280
<v Speaker 5>So I went on you Demi, and I put out

0:22:12.280 --> 0:22:14.160
<v Speaker 5>this course on how to launch a business without getting

0:22:14.160 --> 0:22:16.320
<v Speaker 5>screwed over, and I called it the Minority Mindset because

0:22:16.400 --> 0:22:19.320
<v Speaker 5>at that time, I was like, you know, entrepreneurship is

0:22:19.320 --> 0:22:21.320
<v Speaker 5>all about the minority mindset, is thinking different than the

0:22:21.359 --> 0:22:25.199
<v Speaker 5>majority of people. And we had all this traction. We

0:22:25.200 --> 0:22:26.640
<v Speaker 5>had all these students sign up for it and we're

0:22:26.680 --> 0:22:28.320
<v Speaker 5>loving it. And they were like, hey, just breath. You

0:22:28.359 --> 0:22:30.720
<v Speaker 5>should go on social media. And I was like, all right,

0:22:30.800 --> 0:22:33.080
<v Speaker 5>and I don't know too much about digital marketing or

0:22:33.080 --> 0:22:35.680
<v Speaker 5>anything at the time, So I created an Instagram page

0:22:35.680 --> 0:22:38.840
<v Speaker 5>called Minority Mindset, where I just started posting quotes and

0:22:38.920 --> 0:22:41.600
<v Speaker 5>kind of just random tips about money management and starting

0:22:41.600 --> 0:22:44.560
<v Speaker 5>a business. And then I had a lot of comments

0:22:44.560 --> 0:22:46.840
<v Speaker 5>and messages from people saying, hey, you should start a

0:22:46.840 --> 0:22:49.320
<v Speaker 5>blog or you should start a podcast, and I was like,

0:22:50.119 --> 0:22:52.719
<v Speaker 5>I can't start a blog. English is my second language.

0:22:52.720 --> 0:22:56.600
<v Speaker 5>I suck at writing, so no, that's not going to happen. Podcasting.

0:22:56.600 --> 0:22:58.919
<v Speaker 5>I don't even know what a podcast was, so I

0:22:58.960 --> 0:23:01.240
<v Speaker 5>was like, yeah, I can't do that, but I do

0:23:01.320 --> 0:23:03.240
<v Speaker 5>like YouTube, and I see a lot of people on YouTube.

0:23:03.280 --> 0:23:05.400
<v Speaker 5>I like watching YouTube. Maybe I can make YouTube videos.

0:23:05.440 --> 0:23:08.240
<v Speaker 5>I know how to talk, so I started making videos

0:23:08.359 --> 0:23:11.000
<v Speaker 5>under the title Minority Mindset, where I just talked about

0:23:11.000 --> 0:23:12.760
<v Speaker 5>things that I wish I knew when I was younger.

0:23:12.840 --> 0:23:16.360
<v Speaker 5>So I talked about money management, talked about entrepreneurship, and

0:23:16.640 --> 0:23:20.080
<v Speaker 5>slowly this started to grow, and you know, a year

0:23:20.080 --> 0:23:21.680
<v Speaker 5>and a half or so, a couple of years later,

0:23:22.520 --> 0:23:26.439
<v Speaker 5>we had grown to over one hundred thousand subscribers, and

0:23:26.480 --> 0:23:28.800
<v Speaker 5>now all of a sudden, we were building a brand.

0:23:28.840 --> 0:23:30.840
<v Speaker 5>And I don't even know that that's what I was doing.

0:23:30.880 --> 0:23:32.640
<v Speaker 5>I was just this is something that I was doing

0:23:32.640 --> 0:23:34.440
<v Speaker 5>as a hobby, just because I was so kind of

0:23:34.480 --> 0:23:38.440
<v Speaker 5>hurt by the scam, and now this is what I do.

0:23:39.720 --> 0:23:40.520
<v Speaker 3>That's yeah.

0:23:40.560 --> 0:23:42.800
<v Speaker 1>At the time, I mean, how were you what was

0:23:42.840 --> 0:23:45.280
<v Speaker 1>your source of income then? And then when did you realize, Okay,

0:23:45.320 --> 0:23:47.880
<v Speaker 1>I can really sustain myself with the minority mindset.

0:23:48.359 --> 0:23:51.080
<v Speaker 5>So when I started a minority mindset, when I was

0:23:51.119 --> 0:23:52.960
<v Speaker 5>in law school. Actually, so I was in law school,

0:23:52.960 --> 0:23:54.280
<v Speaker 5>I was doing the soccer business, and I was doing

0:23:54.320 --> 0:23:55.680
<v Speaker 5>a lot of stuff in real estate, so I was

0:23:55.680 --> 0:23:58.000
<v Speaker 5>a real estate investor. I used to do real estate

0:23:58.040 --> 0:23:59.959
<v Speaker 5>whole stale, I think, and I was a real estate salesperson.

0:24:00.280 --> 0:24:01.679
<v Speaker 5>So I was kind of doing a whole bunch of

0:24:01.720 --> 0:24:07.560
<v Speaker 5>things at once. And the kind of fork I ran

0:24:07.640 --> 0:24:10.560
<v Speaker 5>into was right around the one hundred thousand subscriber mark.

0:24:10.600 --> 0:24:12.600
<v Speaker 5>With minority mindset, we weren't making a lot of money,

0:24:13.119 --> 0:24:16.240
<v Speaker 5>but it was. It was kind of a weird situation

0:24:16.359 --> 0:24:19.520
<v Speaker 5>because the SoC business I had was making decent money.

0:24:19.560 --> 0:24:21.480
<v Speaker 5>It was making a we were we were, you know,

0:24:21.520 --> 0:24:25.520
<v Speaker 5>a solid business. But the problem was it was a

0:24:25.520 --> 0:24:28.080
<v Speaker 5>special kind of athletic sock that I had created, but

0:24:28.080 --> 0:24:31.200
<v Speaker 5>our patent was denied. So I had to kind of decide, Okay,

0:24:31.200 --> 0:24:33.000
<v Speaker 5>do I want to go the route of building a

0:24:33.080 --> 0:24:36.600
<v Speaker 5>sock brand where you know, I love starting a business,

0:24:36.640 --> 0:24:38.720
<v Speaker 5>but I'm not so passionate about socks. I really wanted

0:24:38.720 --> 0:24:41.840
<v Speaker 5>to license the technology, but that wasn't really going to

0:24:41.920 --> 0:24:44.359
<v Speaker 5>work because we didn't get approved for this patent. But

0:24:44.440 --> 0:24:47.240
<v Speaker 5>minority mindset I had a real passion for. Like I

0:24:47.280 --> 0:24:50.800
<v Speaker 5>loved teaching, I love money management, I loved talking about

0:24:51.080 --> 0:24:53.840
<v Speaker 5>entrepreneurship and financial education. This is like something I really

0:24:53.840 --> 0:24:55.560
<v Speaker 5>really enjoy doing because this is something I wish I

0:24:55.640 --> 0:24:57.440
<v Speaker 5>knew when I was growing up, but we weren't making

0:24:57.480 --> 0:25:00.520
<v Speaker 5>that much money. So I just I had to go

0:25:00.560 --> 0:25:03.000
<v Speaker 5>all in with the minority mindset just because you know,

0:25:03.200 --> 0:25:04.880
<v Speaker 5>I was like, this is something that I would love

0:25:04.920 --> 0:25:06.680
<v Speaker 5>to do for the rest of my life. I don't

0:25:06.680 --> 0:25:08.000
<v Speaker 5>really know what I was going to do with it,

0:25:08.359 --> 0:25:11.080
<v Speaker 5>but that's the direction that I went. So, you know,

0:25:11.160 --> 0:25:13.919
<v Speaker 5>I had luckily, I had real estate investments. I was

0:25:13.920 --> 0:25:16.160
<v Speaker 5>doing real estate and and the SoC business was making

0:25:16.200 --> 0:25:17.800
<v Speaker 5>money at the time. So then I kind of transferred

0:25:17.800 --> 0:25:19.920
<v Speaker 5>over to minority mindset, not knowing what was going to happen.

0:25:20.160 --> 0:25:21.679
<v Speaker 5>But I was also in law school, so I had

0:25:21.800 --> 0:25:25.240
<v Speaker 5>very little expenses when I was starting off. And then

0:25:25.720 --> 0:25:28.680
<v Speaker 5>it grew from there and now we are. We kind

0:25:28.680 --> 0:25:31.000
<v Speaker 5>of transformed into a financial media company where we do

0:25:31.119 --> 0:25:34.879
<v Speaker 5>financial news and financial education, and yeah, so that's how

0:25:34.920 --> 0:25:35.680
<v Speaker 5>it kind of grew.

0:25:36.440 --> 0:25:38.600
<v Speaker 1>I would so I can't get the socks. It's what you're.

0:25:38.440 --> 0:25:41.160
<v Speaker 4>Saying yeah, we stopped selling the socks.

0:25:41.400 --> 0:25:44.119
<v Speaker 2>Well, I'm curious as a business owner, I'm curious, like

0:25:44.200 --> 0:25:46.960
<v Speaker 2>what are yours for the minority mindset, Like what are

0:25:47.000 --> 0:25:50.199
<v Speaker 2>your streams of income? Like we're and then of the

0:25:50.320 --> 0:25:52.680
<v Speaker 2>of your streams of income, what's bringing in the most.

0:25:52.800 --> 0:25:55.560
<v Speaker 1>Yeah, we get real personal here. We shoulder and stuff.

0:25:57.480 --> 0:26:00.720
<v Speaker 5>Absolutely so, so most of our income, I would eighty

0:26:00.760 --> 0:26:05.120
<v Speaker 5>percent of our income comes from other brands and sponsors

0:26:05.160 --> 0:26:08.560
<v Speaker 5>and advertisers. So what I mean by that is, so

0:26:08.600 --> 0:26:11.120
<v Speaker 5>we have kind of a few different channels. We could

0:26:11.119 --> 0:26:13.280
<v Speaker 5>say kind of two phases to our company. We have

0:26:13.320 --> 0:26:16.440
<v Speaker 5>a financial news division and a financial education division.

0:26:16.920 --> 0:26:19.960
<v Speaker 4>The news division is our daily financial.

0:26:19.560 --> 0:26:22.200
<v Speaker 5>News that are where we just kind of come over

0:26:22.240 --> 0:26:25.000
<v Speaker 5>what's going on in the financial news. The education side

0:26:25.440 --> 0:26:28.680
<v Speaker 5>is a mix of our website and then social media

0:26:28.720 --> 0:26:29.280
<v Speaker 5>and YouTube.

0:26:30.000 --> 0:26:31.359
<v Speaker 4>So eighty percent.

0:26:31.080 --> 0:26:35.600
<v Speaker 5>Of our revenue comes from our brand partners and sponsors.

0:26:35.840 --> 0:26:37.600
<v Speaker 4>So these are companies that we work with.

0:26:37.640 --> 0:26:40.840
<v Speaker 5>So we do a lot of education of how to

0:26:40.920 --> 0:26:44.880
<v Speaker 5>use your money and also financial products. So we talk

0:26:44.920 --> 0:26:49.040
<v Speaker 5>about things like mortgage refinancing, or we talk about stock brokerages,

0:26:49.119 --> 0:26:51.440
<v Speaker 5>or we talk about life insurance, or we talk about

0:26:51.440 --> 0:26:55.240
<v Speaker 5>credit cards. So we have partnerships with companies in all

0:26:55.280 --> 0:27:00.880
<v Speaker 5>of these kind of services, and that's how we drive

0:27:00.920 --> 0:27:01.560
<v Speaker 5>revenue from there.

0:27:01.680 --> 0:27:03.520
<v Speaker 4>Then on the education side.

0:27:03.359 --> 0:27:05.960
<v Speaker 5>We do have a couple of courses that we sell

0:27:06.000 --> 0:27:08.600
<v Speaker 5>as well, but though that's kind of like something that's

0:27:08.640 --> 0:27:10.480
<v Speaker 5>in the back burner, not really the back burner, but

0:27:10.560 --> 0:27:12.760
<v Speaker 5>that's that's like a smaller part of our business.

0:27:12.800 --> 0:27:14.320
<v Speaker 4>That's about twenty percent of our revenue.

0:27:14.880 --> 0:27:17.560
<v Speaker 1>Okay, I feel like you and Tefany need to talk, yeah,

0:27:17.600 --> 0:27:20.199
<v Speaker 1>because it's literally the Literature Academy is a major, and

0:27:20.240 --> 0:27:21.720
<v Speaker 1>I feel like we need a minority mindset.

0:27:22.160 --> 0:27:25.000
<v Speaker 2>It's the opposite for me, like our educational I have

0:27:25.000 --> 0:27:28.040
<v Speaker 2>an online school that makes eighty percent of the income,

0:27:28.080 --> 0:27:31.320
<v Speaker 2>and then my partnerships and affiliate marketing and things like

0:27:31.359 --> 0:27:34.240
<v Speaker 2>that that's about twenty percent. But I made that kind

0:27:34.240 --> 0:27:38.800
<v Speaker 2>of intentional because the Budgetista, which is my original brand,

0:27:39.560 --> 0:27:44.280
<v Speaker 2>is I didn't want to. I didn't want it relies

0:27:44.320 --> 0:27:46.919
<v Speaker 2>so heavily on me being me, which is cool, but

0:27:47.000 --> 0:27:48.959
<v Speaker 2>I didn't. I was thinking, like ten twenty years from now,

0:27:48.960 --> 0:27:52.080
<v Speaker 2>when I want to be like, you know, not the

0:27:52.119 --> 0:27:54.199
<v Speaker 2>face of the business. Then what So I started an

0:27:54.240 --> 0:27:57.119
<v Speaker 2>online school that you know that I use my budget

0:27:57.160 --> 0:28:00.240
<v Speaker 2>aster brand to drive to my Liberature Academy and so

0:28:00.359 --> 0:28:03.280
<v Speaker 2>that makes a good amount of mine. We just actually hit.

0:28:03.359 --> 0:28:07.840
<v Speaker 2>We're we just hit this year, our first seven figure month. Also, yeah,

0:28:07.840 --> 0:28:09.840
<v Speaker 2>it's crazy. I'm like, I used to be a preschool teacher.

0:28:09.840 --> 0:28:11.200
<v Speaker 2>Now of course my parents are like.

0:28:11.400 --> 0:28:14.160
<v Speaker 3>Yeah, doing so good. I'm so proud of you.

0:28:14.240 --> 0:28:17.040
<v Speaker 2>I'm like, oh really, because five years ago you were.

0:28:16.920 --> 0:28:19.680
<v Speaker 3>Like, wait, it is your job Odoci that's my African name.

0:28:20.040 --> 0:28:22.960
<v Speaker 5>Yeah, yeah, we need to talk after the call.

0:28:23.200 --> 0:28:25.840
<v Speaker 2>Yes, we do because I think that, Yeah, I mean,

0:28:27.040 --> 0:28:28.680
<v Speaker 2>I think that what you guys are doing is amazing

0:28:28.720 --> 0:28:31.080
<v Speaker 2>because what I don't understand is how many people do

0:28:31.119 --> 0:28:33.800
<v Speaker 2>you have working for you? Because Jos, I'm honestly signed

0:28:33.840 --> 0:28:36.520
<v Speaker 2>up for everything. I just like, I read all the newsletters.

0:28:36.600 --> 0:28:40.120
<v Speaker 2>I was like, I can't believe he has this whole curriculum.

0:28:40.240 --> 0:28:41.880
<v Speaker 2>I signed up for the investment class, which I have

0:28:41.920 --> 0:28:44.320
<v Speaker 2>not taken. Well, I've done all, Like Jaspree, I'm a

0:28:44.400 --> 0:28:45.120
<v Speaker 2>stand I'm.

0:28:44.920 --> 0:28:46.920
<v Speaker 3>Holding it in. You have no idea. I'm like, this

0:28:47.080 --> 0:28:47.720
<v Speaker 3>is me.

0:28:47.920 --> 0:28:48.880
<v Speaker 1>Do you have the socks?

0:28:48.960 --> 0:28:50.200
<v Speaker 3>No, that's the only thing I'm missing.

0:28:51.000 --> 0:28:52.880
<v Speaker 5>I'll send you a parent might have a couple left

0:28:52.880 --> 0:28:56.040
<v Speaker 5>over I'll send you one of the special edition ones.

0:28:56.600 --> 0:29:00.320
<v Speaker 2>So I guess the question is, like, I know how

0:29:00.400 --> 0:29:03.880
<v Speaker 2>much work it takes, and like what size is your team?

0:29:03.960 --> 0:29:09.240
<v Speaker 2>Because the quality and the consistency of your content is unmatched.

0:29:09.640 --> 0:29:11.000
<v Speaker 2>So yeah, I would love to know a little bit

0:29:11.040 --> 0:29:12.720
<v Speaker 2>more about you, like your team and how does that work.

0:29:13.320 --> 0:29:16.160
<v Speaker 5>Yeah, so we're actually hiring a lot right now, so

0:29:16.200 --> 0:29:20.400
<v Speaker 5>we are we are about to be. We have we

0:29:20.480 --> 0:29:23.680
<v Speaker 5>have a mix of kind of our remote people, we

0:29:23.760 --> 0:29:26.040
<v Speaker 5>have some freelancers, and then we have our in office team.

0:29:26.600 --> 0:29:29.760
<v Speaker 5>So total, I would say we're something close to thirty

0:29:29.800 --> 0:29:31.800
<v Speaker 5>people something around there.

0:29:31.880 --> 0:29:34.680
<v Speaker 4>So you know, it's some more people are mixed.

0:29:34.360 --> 0:29:36.520
<v Speaker 5>So some more people are full time in the office,

0:29:36.520 --> 0:29:40.160
<v Speaker 5>some more people are full time remote, so it's kind

0:29:40.160 --> 0:29:43.200
<v Speaker 5>of a bread blend in that. I would say by

0:29:43.280 --> 0:29:45.560
<v Speaker 5>the end of the year, we'll have about ten people

0:29:46.160 --> 0:29:48.840
<v Speaker 5>in the office perfectly that are you know, always there.

0:29:48.920 --> 0:29:50.000
<v Speaker 4>Then we have another.

0:29:50.160 --> 0:29:55.080
<v Speaker 5>Twenty to twenty five people maybe thirty that are remote fully.

0:29:55.240 --> 0:29:58.240
<v Speaker 1>Okay, it's interesting that you say that you know you're

0:29:58.240 --> 0:30:01.320
<v Speaker 1>not a good writer, because my favorite apart from your YouTube,

0:30:01.360 --> 0:30:03.800
<v Speaker 1>I love your newsletter in the mornings man, So how

0:30:03.880 --> 0:30:04.920
<v Speaker 1>much of that is you.

0:30:05.280 --> 0:30:06.120
<v Speaker 4>Uh so.

0:30:08.040 --> 0:30:10.680
<v Speaker 5>I would help with kind of coming up with the

0:30:10.720 --> 0:30:15.560
<v Speaker 5>content ideas. The writing is our awesome writers. I am

0:30:15.600 --> 0:30:18.240
<v Speaker 5>not involved with the writing much at all.

0:30:18.440 --> 0:30:20.000
<v Speaker 1>It's good to know your strength. That's okay.

0:30:20.600 --> 0:30:22.800
<v Speaker 4>Yeah, you don't want to read my writing writing. You

0:30:22.800 --> 0:30:23.959
<v Speaker 4>want to know what is going on?

0:30:24.560 --> 0:30:26.080
<v Speaker 5>Is this got talking about the stock market or the

0:30:26.120 --> 0:30:28.320
<v Speaker 5>real estate market? I have no idea what he's talking about.

0:30:28.720 --> 0:30:31.160
<v Speaker 1>Well, you do such a great job, I mean talk,

0:30:31.280 --> 0:30:33.800
<v Speaker 1>you know, just it's a real talent to be able

0:30:33.840 --> 0:30:37.440
<v Speaker 1>to explain concepts without writing, like without taking time to

0:30:37.440 --> 0:30:39.120
<v Speaker 1>think them through. I'm not that I'm saying your stuff

0:30:39.160 --> 0:30:40.920
<v Speaker 1>isn't thought through, but you know what I mean, like

0:30:40.920 --> 0:30:43.200
<v Speaker 1>to be able to vocalize these topics and make them truly,

0:30:44.040 --> 0:30:46.600
<v Speaker 1>you know, accessible to people, because, like you said, a

0:30:46.640 --> 0:30:49.040
<v Speaker 1>lot of people don't understand this. You have to approach it,

0:30:49.200 --> 0:30:51.680
<v Speaker 1>you know, from from the from the ground floor.

0:30:52.000 --> 0:30:52.280
<v Speaker 5>Yeah.

0:30:52.320 --> 0:30:55.120
<v Speaker 1>But let's we talked a little bit about passive income.

0:30:55.200 --> 0:30:57.640
<v Speaker 1>You know, you have your real estate business. A lot

0:30:57.720 --> 0:30:59.960
<v Speaker 1>of people right now, this is this is tied together,

0:31:00.120 --> 0:31:03.040
<v Speaker 1>I promise. I want to first talk about your favorite

0:31:03.120 --> 0:31:06.240
<v Speaker 1>passive income strategies and then kind of talk about how

0:31:06.280 --> 0:31:08.440
<v Speaker 1>people are kind of using the stock market to create

0:31:08.520 --> 0:31:10.240
<v Speaker 1>some passive income, which may or may not be the

0:31:10.240 --> 0:31:13.239
<v Speaker 1>best you know, idea for the majority of people. If

0:31:13.240 --> 0:31:15.160
<v Speaker 1>you can go back to that, you know, my minority

0:31:15.200 --> 0:31:19.840
<v Speaker 1>majority contradiction. But yeah, talk about passive income streams, what

0:31:20.720 --> 0:31:22.560
<v Speaker 1>you sort of have, what has worked for you, and

0:31:22.600 --> 0:31:24.640
<v Speaker 1>what you you know, think could work for others, and

0:31:24.680 --> 0:31:27.080
<v Speaker 1>then you know how how you would talk to folks

0:31:27.200 --> 0:31:29.000
<v Speaker 1>thinking about getting into the market these days.

0:31:29.480 --> 0:31:32.080
<v Speaker 5>So, you know, I think the first thing is kind

0:31:32.080 --> 0:31:34.040
<v Speaker 5>of defining what passive income is, because I think a

0:31:34.040 --> 0:31:37.240
<v Speaker 5>lot of people have a misconception as to passive income, Like,

0:31:37.320 --> 0:31:39.600
<v Speaker 5>for example, there's a lot of ads out there like,

0:31:39.680 --> 0:31:43.000
<v Speaker 5>oh start this online store is completely passive, even though

0:31:43.040 --> 0:31:45.240
<v Speaker 5>you have to manage it for five hours every single day.

0:31:45.520 --> 0:31:48.240
<v Speaker 5>So I don't consider that passive income. When I think

0:31:48.240 --> 0:31:50.520
<v Speaker 5>of passive income, I think of my real estate investments

0:31:50.680 --> 0:31:55.440
<v Speaker 5>where I own a house or an apartment complex, I

0:31:55.480 --> 0:31:58.240
<v Speaker 5>do the renovation, I get it fully rent ready, and

0:31:58.280 --> 0:32:01.479
<v Speaker 5>then I hand over the keys to my property management company,

0:32:02.120 --> 0:32:04.600
<v Speaker 5>and after that I let them take care of the

0:32:04.760 --> 0:32:08.880
<v Speaker 5>entire property, all tenant management, all tenant relations, everything agency.

0:32:09.280 --> 0:32:11.480
<v Speaker 5>And then I just kind of every month I look

0:32:11.520 --> 0:32:14.959
<v Speaker 5>at our statements. So I look at you know, how

0:32:15.000 --> 0:32:17.680
<v Speaker 5>much rent do we receive, what was the maintenance requests

0:32:17.800 --> 0:32:19.800
<v Speaker 5>and everything kind of in between. That's what I call

0:32:19.880 --> 0:32:22.800
<v Speaker 5>passive income. So for me, my favorite is real estate.

0:32:22.880 --> 0:32:25.000
<v Speaker 5>I love real estate investing. That is kind of like

0:32:25.080 --> 0:32:29.480
<v Speaker 5>my number one favorite place to invest. But you know,

0:32:29.520 --> 0:32:33.480
<v Speaker 5>real estate investing is not for everybody. You need to

0:32:34.280 --> 0:32:38.000
<v Speaker 5>understand how real estate investing works. It takes a learning

0:32:38.040 --> 0:32:41.680
<v Speaker 5>curve and not everybody wants to go through that. You know,

0:32:42.080 --> 0:32:44.320
<v Speaker 5>you have to kind of go through your bad tenants.

0:32:44.320 --> 0:32:45.800
<v Speaker 5>You have to go through the bad properties. You know,

0:32:45.800 --> 0:32:48.479
<v Speaker 5>I went through that myself, and it sucks. It's painful,

0:32:48.480 --> 0:32:50.640
<v Speaker 5>it's not fun to lose money. And with real estate

0:32:50.680 --> 0:32:52.880
<v Speaker 5>there's there's more capital involved. It's a lot harder to

0:32:52.920 --> 0:32:55.720
<v Speaker 5>start real estate investing, especially owning physical real estate with

0:32:56.000 --> 0:32:57.800
<v Speaker 5>one hundred dollars or a thousand dollars. You know, you

0:32:57.840 --> 0:33:01.120
<v Speaker 5>need more capital and more time to get to that

0:33:01.160 --> 0:33:03.160
<v Speaker 5>passive income point. So you need to spend that time

0:33:03.200 --> 0:33:06.400
<v Speaker 5>at the beginning to get through real passive income. Now,

0:33:06.480 --> 0:33:10.120
<v Speaker 5>if we're talking about a more passive passive income where

0:33:10.120 --> 0:33:12.480
<v Speaker 5>you don't really have to do much work at all,

0:33:12.960 --> 0:33:16.240
<v Speaker 5>then the stock market does have a lot of opportunities

0:33:16.240 --> 0:33:20.600
<v Speaker 5>there through dividends and dividend paying stocks, but you have

0:33:20.640 --> 0:33:24.360
<v Speaker 5>to be kind of aware of what type of returns

0:33:24.400 --> 0:33:27.520
<v Speaker 5>you can expect because I think sometimes people think, oh, okay,

0:33:27.560 --> 0:33:30.040
<v Speaker 5>if I invest one thousand dollars, I should be making

0:33:30.760 --> 0:33:32.920
<v Speaker 5>one thousand dollars a year in a passive income. But

0:33:33.000 --> 0:33:34.760
<v Speaker 5>it doesn't really work like that, right, Like, if you

0:33:34.760 --> 0:33:38.200
<v Speaker 5>invest in the stock market, you should be expecting three

0:33:38.200 --> 0:33:42.400
<v Speaker 5>to five percent a year on your capital investment. So

0:33:42.480 --> 0:33:44.880
<v Speaker 5>that's you know, if you invest one hundred dollars at

0:33:44.920 --> 0:33:48.960
<v Speaker 5>three to five dollars a year for your investment through

0:33:49.000 --> 0:33:51.720
<v Speaker 5>your dividends, and there's a lot of easy ways to

0:33:51.760 --> 0:33:54.600
<v Speaker 5>do that. You can completely automate this. So you just

0:33:54.680 --> 0:33:57.240
<v Speaker 5>take whatever funds you have and every month or every

0:33:57.280 --> 0:34:02.400
<v Speaker 5>week it automatically gets invested into you whatever stocks or

0:34:02.400 --> 0:34:03.880
<v Speaker 5>ETFs or funds you want.

0:34:04.880 --> 0:34:06.440
<v Speaker 4>And then when.

0:34:06.240 --> 0:34:08.320
<v Speaker 5>You get the dividends, it is your choice now whether

0:34:08.360 --> 0:34:11.080
<v Speaker 5>you want to reinvest them back into the stocks or

0:34:11.080 --> 0:34:13.799
<v Speaker 5>ETFs that way you kind of compounding your investments, or

0:34:13.840 --> 0:34:15.880
<v Speaker 5>do you want to pull it out and keep this

0:34:16.000 --> 0:34:18.719
<v Speaker 5>money for yourself and you know, use it to improve

0:34:18.760 --> 0:34:21.440
<v Speaker 5>your lifestyle. The thing about passive income, especially in the

0:34:21.440 --> 0:34:24.520
<v Speaker 5>stock market like this, is it is a long term game.

0:34:25.120 --> 0:34:27.359
<v Speaker 5>If you're getting three to five percent a year, you

0:34:27.400 --> 0:34:29.320
<v Speaker 5>need to compound that money. You need to keep adding

0:34:29.320 --> 0:34:34.080
<v Speaker 5>that money into your stocks and ETFs because what happens

0:34:34.360 --> 0:34:37.719
<v Speaker 5>is in a good market, stock prices will go up,

0:34:37.960 --> 0:34:41.359
<v Speaker 5>so you know your your stock value, your investment value,

0:34:41.400 --> 0:34:43.399
<v Speaker 5>is going up. But at the same time, companies, if

0:34:43.400 --> 0:34:46.160
<v Speaker 5>they're growing, they're going to increase the amount of dividend

0:34:46.200 --> 0:34:49.160
<v Speaker 5>that they're paying. So right now you might only be

0:34:49.200 --> 0:34:51.640
<v Speaker 5>getting a three percent dividend on your money, but in

0:34:51.640 --> 0:34:54.920
<v Speaker 5>five or ten years, they might double themount of dividend

0:34:54.960 --> 0:34:56.719
<v Speaker 5>that they're paying out. So what went from a three

0:34:56.719 --> 0:35:00.040
<v Speaker 5>percent dividend is now a six percent dividend. So it

0:35:00.080 --> 0:35:01.799
<v Speaker 5>really starts to grow in compound. And if you keep

0:35:01.840 --> 0:35:04.120
<v Speaker 5>reinvesting that money, the amount of money you'd be making

0:35:04.160 --> 0:35:07.640
<v Speaker 5>through this passive income and dividends keeps growing slowly, slowly, slowly.

0:35:07.680 --> 0:35:09.560
<v Speaker 5>So it's like kind of like the snowball that a

0:35:09.560 --> 0:35:11.720
<v Speaker 5>lot of people talk about. You're you got to build

0:35:11.719 --> 0:35:13.759
<v Speaker 5>a snowball in at the beginning, it's really slow, it's

0:35:13.760 --> 0:35:15.960
<v Speaker 5>really hard, But as you keep going and as you

0:35:16.000 --> 0:35:17.280
<v Speaker 5>stick with it, it will get bigger.

0:35:17.560 --> 0:35:20.240
<v Speaker 1>Can you explain for folks who may have just blanked

0:35:20.239 --> 0:35:22.239
<v Speaker 1>out when you said the word dividend because they may

0:35:22.280 --> 0:35:23.799
<v Speaker 1>not even know what a dividend is. I mean, it's

0:35:23.880 --> 0:35:26.600
<v Speaker 1>just it's a piece of the profits that a company

0:35:26.600 --> 0:35:28.319
<v Speaker 1>will give you for investing in their stock. Right, how

0:35:28.320 --> 0:35:29.200
<v Speaker 1>would you break it down?

0:35:29.400 --> 0:35:29.640
<v Speaker 4>Yeah?

0:35:29.640 --> 0:35:32.480
<v Speaker 5>So I the the way I like to explain dividends

0:35:32.480 --> 0:35:35.000
<v Speaker 5>is think about like a thank you check from companies.

0:35:35.000 --> 0:35:38.320
<v Speaker 5>So some companies, let's talk about McDonald's. Some companies like

0:35:38.400 --> 0:35:40.680
<v Speaker 5>McDonald's make a lot of money, and at the end

0:35:40.719 --> 0:35:42.640
<v Speaker 5>of the year, they have a whole bunch of cash

0:35:42.680 --> 0:35:45.960
<v Speaker 5>in their bank account. And there's three things that a

0:35:46.000 --> 0:35:48.439
<v Speaker 5>company can do with it's extra cash. They can save

0:35:48.480 --> 0:35:51.439
<v Speaker 5>it for emergencies. They can reinvest this money back into

0:35:51.440 --> 0:35:54.480
<v Speaker 5>their company. Or they can give this away literally give

0:35:54.480 --> 0:35:57.360
<v Speaker 5>it away to their owners and shareholders, investors people like

0:35:57.400 --> 0:35:59.840
<v Speaker 5>you and me for owning their stock. So if you

0:36:00.239 --> 0:36:03.200
<v Speaker 5>and you buy a share of McDonald's, McDonald's will literally

0:36:03.280 --> 0:36:05.240
<v Speaker 5>send you a check. They'll send you a few dollars

0:36:05.320 --> 0:36:08.319
<v Speaker 5>every single year just because you owned the McDonald's stock.

0:36:08.440 --> 0:36:10.520
<v Speaker 5>You don't have to go on flip burgers or do anything.

0:36:10.760 --> 0:36:14.000
<v Speaker 5>You're getting this cash just for owning that investment.

0:36:14.520 --> 0:36:16.080
<v Speaker 2>I love that explanation. I just saw that in one

0:36:16.120 --> 0:36:17.920
<v Speaker 2>of your videos that you explained that was like he's

0:36:17.960 --> 0:36:18.560
<v Speaker 2>doing the video.

0:36:18.680 --> 0:36:20.200
<v Speaker 3>I feel like I'm watching your YouTube video.

0:36:21.719 --> 0:36:24.080
<v Speaker 4>Yeah, it's the same time safe.

0:36:24.719 --> 0:36:26.640
<v Speaker 1>Yeah. I mean this past week has been I don't know,

0:36:26.960 --> 0:36:28.840
<v Speaker 1>this past summer. I mean, I just feel like everyone

0:36:28.880 --> 0:36:31.640
<v Speaker 1>at home through this COVID crisis is bizarre time they

0:36:31.680 --> 0:36:33.959
<v Speaker 1>were at in our country right now, and it's good

0:36:33.960 --> 0:36:35.960
<v Speaker 1>for people like us who are in the business of

0:36:36.120 --> 0:36:39.520
<v Speaker 1>teaching financial education, because folks are really hungry for right now.

0:36:39.760 --> 0:36:42.600
<v Speaker 1>But I'm worried because, like my friends and family who

0:36:42.600 --> 0:36:46.160
<v Speaker 1>really haven't been into financial anything until you know, COVID

0:36:46.239 --> 0:36:47.719
<v Speaker 1>kind of hit and they have all this free time.

0:36:48.000 --> 0:36:50.360
<v Speaker 1>People are coming to me, like should I invest in herds?

0:36:50.600 --> 0:36:52.919
<v Speaker 1>What do you think about the Tesla stock split? I mean,

0:36:53.000 --> 0:36:55.919
<v Speaker 1>last week my husband puts listen, Okay, like I said,

0:36:55.960 --> 0:36:58.040
<v Speaker 1>I like to I have some money that I play

0:36:58.040 --> 0:37:00.320
<v Speaker 1>around with that I'm not afraid to lose. I just

0:37:00.360 --> 0:37:02.239
<v Speaker 1>have a little bit set aside so I can I

0:37:02.239 --> 0:37:04.719
<v Speaker 1>can just prove to myself, honestly, what a terrible stockpicker

0:37:04.719 --> 0:37:06.319
<v Speaker 1>I am, which is what it's been like for the

0:37:06.360 --> 0:37:09.480
<v Speaker 1>past five to ten years. I've been doing it. But anyway,

0:37:09.520 --> 0:37:11.000
<v Speaker 1>so my husband's got a little bit of money and

0:37:11.320 --> 0:37:13.040
<v Speaker 1>you know that he could invest and he chose to

0:37:13.040 --> 0:37:15.440
<v Speaker 1>invest in some TESL stock last week after the stock split,

0:37:15.760 --> 0:37:17.760
<v Speaker 1>and of course he bought when it was really high,

0:37:17.880 --> 0:37:19.280
<v Speaker 1>and by the end of the week it had tanked

0:37:19.280 --> 0:37:21.120
<v Speaker 1>and he's like, what's going on? You need to sell

0:37:21.120 --> 0:37:24.080
<v Speaker 1>my Tesla stock. And I feel like he's not alone.

0:37:24.480 --> 0:37:27.359
<v Speaker 1>So what's your take on where people's mindset is at

0:37:27.360 --> 0:37:29.719
<v Speaker 1>with you know, stock market investing these days, And what

0:37:29.760 --> 0:37:31.600
<v Speaker 1>would you say to people who were trying to get

0:37:31.600 --> 0:37:34.360
<v Speaker 1>into the market now as like a word of caution.

0:37:34.920 --> 0:37:37.279
<v Speaker 5>So I just recorded a video on this. It's going

0:37:37.320 --> 0:37:40.520
<v Speaker 5>to go up very soon. But stock or market predicting

0:37:40.800 --> 0:37:43.520
<v Speaker 5>is for losers. Nobody can predict what's going to happen

0:37:43.560 --> 0:37:46.359
<v Speaker 5>in the stock market tomorrow or three months or you know,

0:37:46.560 --> 0:37:49.279
<v Speaker 5>in this short term. It is impossible because there's so

0:37:49.320 --> 0:37:52.160
<v Speaker 5>many things that can happen that influence the stock market,

0:37:52.280 --> 0:37:54.359
<v Speaker 5>especially in the short term. You know, we could see

0:37:54.400 --> 0:37:56.600
<v Speaker 5>something happened to the president, we could see something happened

0:37:56.640 --> 0:37:59.239
<v Speaker 5>with this coronavirus. We can see the fed change to

0:37:59.320 --> 0:38:02.160
<v Speaker 5>monetary poul See, there are so many factors that influence

0:38:02.200 --> 0:38:04.800
<v Speaker 5>the stock market in the short term that creates this

0:38:04.960 --> 0:38:09.040
<v Speaker 5>like emotionalness in the stock market, and that's what creates

0:38:09.400 --> 0:38:14.280
<v Speaker 5>creates like this panic selling and euphoria buying. And as

0:38:14.360 --> 0:38:17.960
<v Speaker 5>a smart financial planner and a smart money manager and investor,

0:38:18.040 --> 0:38:21.120
<v Speaker 5>that is exactly what you want to avoid. You want

0:38:21.160 --> 0:38:23.640
<v Speaker 5>to be investing for the long term. So I'm a

0:38:23.640 --> 0:38:28.760
<v Speaker 5>big proponent of long term investing, looking at companies who

0:38:29.719 --> 0:38:33.160
<v Speaker 5>are growing, who are innovating, and have a good value,

0:38:33.560 --> 0:38:35.799
<v Speaker 5>and buying into these companies for the long term. If

0:38:35.800 --> 0:38:38.919
<v Speaker 5>that is what you're doing, the stock price doesn't even

0:38:38.920 --> 0:38:41.600
<v Speaker 5>matter that much. You just want to continually buy it,

0:38:41.600 --> 0:38:43.840
<v Speaker 5>whether it's every week or every month, or you know,

0:38:43.880 --> 0:38:45.920
<v Speaker 5>whatever your schedule is. You just want to keep buying

0:38:45.960 --> 0:38:48.880
<v Speaker 5>these stocks or funds that you want to own for

0:38:49.040 --> 0:38:49.800
<v Speaker 5>the long term.

0:38:50.520 --> 0:38:52.360
<v Speaker 3>For the majority dollar cost averaging.

0:38:52.400 --> 0:38:54.080
<v Speaker 2>No, I was just going to say, so that's I know,

0:38:54.120 --> 0:38:56.280
<v Speaker 2>that's your big philosophy dollar cost averaging.

0:38:56.680 --> 0:39:00.160
<v Speaker 5>Yeah, and if it comes down, if it crashes, buy more.

0:39:00.880 --> 0:39:02.319
<v Speaker 5>It's like one of those things that if it's a

0:39:02.360 --> 0:39:05.680
<v Speaker 5>company you really believe in, buy it, and if it crashes,

0:39:05.920 --> 0:39:06.520
<v Speaker 5>use it as.

0:39:06.360 --> 0:39:07.680
<v Speaker 4>An opportunity to buy more.

0:39:07.960 --> 0:39:10.920
<v Speaker 5>And I think for the majority of people, stock picking

0:39:11.040 --> 0:39:12.480
<v Speaker 5>is not even the game that you want to be

0:39:12.520 --> 0:39:13.839
<v Speaker 5>playing for the majority of people.

0:39:13.880 --> 0:39:15.920
<v Speaker 4>If you don't not plan to.

0:39:15.400 --> 0:39:18.960
<v Speaker 5>Spend a lot of time studying companies, listening to earning statements.

0:39:19.120 --> 0:39:21.319
<v Speaker 5>If that is not what you're interested in, look into

0:39:21.360 --> 0:39:24.480
<v Speaker 5>index funds, look into the ETFs and index fund or ETFs.

0:39:24.560 --> 0:39:26.680
<v Speaker 5>You could think of it kind of like a group

0:39:26.719 --> 0:39:29.719
<v Speaker 5>of stocks of fund that invests in a bunch of companies.

0:39:29.960 --> 0:39:31.719
<v Speaker 5>So if you just want to be involved in the

0:39:31.760 --> 0:39:35.719
<v Speaker 5>stock market, there are funds that literally give you exposure

0:39:35.840 --> 0:39:38.280
<v Speaker 5>to the top five hundred companies in the stock market.

0:39:38.400 --> 0:39:39.759
<v Speaker 5>So now instead of if you're trying to go out

0:39:39.760 --> 0:39:41.920
<v Speaker 5>and find the number one company, you can just invest

0:39:41.960 --> 0:39:44.280
<v Speaker 5>in this fund that gives your exposure to the general

0:39:44.320 --> 0:39:46.560
<v Speaker 5>stock market. So now, if the stock market goes up,

0:39:46.600 --> 0:39:49.080
<v Speaker 5>your fund goes up. The stock market goes down, your

0:39:49.120 --> 0:39:51.680
<v Speaker 5>fund goes down. But what we've seen again and again

0:39:51.719 --> 0:39:53.680
<v Speaker 5>and again is that over the long run, the stock

0:39:53.719 --> 0:39:55.799
<v Speaker 5>market and strong companies go up. And if you're not

0:39:55.880 --> 0:39:57.839
<v Speaker 5>interested in doing all that research and trying to find

0:39:57.840 --> 0:39:59.920
<v Speaker 5>the best companies just invest in one of these fun

0:40:00.560 --> 0:40:03.319
<v Speaker 5>because now it's doing it for you.

0:40:04.120 --> 0:40:07.360
<v Speaker 1>So so what you're saying is I'm right, and YE

0:40:08.080 --> 0:40:10.120
<v Speaker 1>want to confirm that because I.

0:40:10.200 --> 0:40:11.759
<v Speaker 3>Want to play in that SI.

0:40:11.960 --> 0:40:14.320
<v Speaker 2>So my question is, so where do you go for

0:40:14.480 --> 0:40:17.840
<v Speaker 2>financial education? You know the financial educator? It's like what

0:40:17.880 --> 0:40:19.680
<v Speaker 2>does the doctor go when they're sick? So where do

0:40:19.719 --> 0:40:22.480
<v Speaker 2>you go to learn when you're when you're learning when

0:40:22.480 --> 0:40:24.719
<v Speaker 2>new things come out or something you don't understand? Like

0:40:24.760 --> 0:40:27.160
<v Speaker 2>what are what are your go to platforms?

0:40:27.719 --> 0:40:30.839
<v Speaker 5>There's a lot of great resources on the internet, like

0:40:30.920 --> 0:40:32.640
<v Speaker 5>one of my go to sites if you're talking about

0:40:32.640 --> 0:40:36.760
<v Speaker 5>the stock market, particularly like seeking Alpha is great, uh

0:40:36.880 --> 0:40:42.799
<v Speaker 5>Financed Yahoo, just to like I love reading books and

0:40:42.960 --> 0:40:45.520
<v Speaker 5>I love kind of just learning about companies. Like right

0:40:45.520 --> 0:40:48.600
<v Speaker 5>now I'm reading one of Warren Buffet's biographies. It's very

0:40:48.600 --> 0:40:51.200
<v Speaker 5>interesting just to kind of not necessarily just stock books,

0:40:51.200 --> 0:40:53.160
<v Speaker 5>but learning kind of the way some of these great

0:40:53.160 --> 0:40:57.920
<v Speaker 5>investors think and just learning from them and then really

0:40:57.960 --> 0:41:01.239
<v Speaker 5>just studying a company. You know, there's every three months

0:41:01.239 --> 0:41:03.279
<v Speaker 5>a company has to release a statement where they go

0:41:03.360 --> 0:41:06.439
<v Speaker 5>over how much money they're making with the plan on doing,

0:41:06.880 --> 0:41:09.279
<v Speaker 5>what their valuations? You know, what are they doing with

0:41:09.320 --> 0:41:12.200
<v Speaker 5>their money? Where's all the cash going? And a lot

0:41:12.200 --> 0:41:15.680
<v Speaker 5>of times, most of the times we skip over that

0:41:15.719 --> 0:41:19.200
<v Speaker 5>because we read the headlines, Oh, Tesla made a lot

0:41:19.200 --> 0:41:21.560
<v Speaker 5>of money or Tesla loss money. Right, that's all we see.

0:41:21.719 --> 0:41:23.680
<v Speaker 5>But if you go into the actual earning statements and

0:41:23.680 --> 0:41:27.440
<v Speaker 5>you read the transcript and you read the forms that

0:41:27.480 --> 0:41:30.120
<v Speaker 5>these companies file, which you can do, they're more boring,

0:41:30.480 --> 0:41:33.040
<v Speaker 5>but you can actually see what is going on with

0:41:33.080 --> 0:41:36.320
<v Speaker 5>the company and what is their real revenue, what is

0:41:36.360 --> 0:41:38.960
<v Speaker 5>their real income, what is their real loss, And then

0:41:39.000 --> 0:41:41.080
<v Speaker 5>you can come up with your own calculations to see, Okay,

0:41:41.239 --> 0:41:44.240
<v Speaker 5>this company is making a hundred million dollars actually based

0:41:44.239 --> 0:41:46.440
<v Speaker 5>off of what I see, and they're being valued at

0:41:46.480 --> 0:41:47.680
<v Speaker 5>ten billion dollars.

0:41:48.080 --> 0:41:50.080
<v Speaker 4>Is this a good investment? Yes or no?

0:41:50.440 --> 0:41:52.200
<v Speaker 5>And so it's kind of coming up with what do

0:41:52.280 --> 0:41:54.640
<v Speaker 5>you think is a good value and what is it

0:41:54.640 --> 0:41:56.000
<v Speaker 5>that you want to invest in?

0:41:56.480 --> 0:42:00.720
<v Speaker 1>Over time, as you've developed your financial philosophy. The minority

0:42:00.760 --> 0:42:03.239
<v Speaker 1>mindset as you say, I mean, you acknowledged that you

0:42:03.280 --> 0:42:06.200
<v Speaker 1>didn't have a ton of education, and Tiffany's maybe in

0:42:06.239 --> 0:42:08.560
<v Speaker 1>the minority because she had such a great financial coach

0:42:08.560 --> 0:42:11.480
<v Speaker 1>in her dad. But even so, the Great Recession for

0:42:11.600 --> 0:42:13.680
<v Speaker 1>Tiff and I both kind of had a We were

0:42:13.680 --> 0:42:16.719
<v Speaker 1>both like in our own ways, a little afraid of

0:42:17.000 --> 0:42:19.880
<v Speaker 1>going through what we went through our personal financial losses

0:42:20.160 --> 0:42:22.640
<v Speaker 1>after the recession, And so I think safe to say

0:42:22.680 --> 0:42:24.880
<v Speaker 1>Tif that we both held on to some cash. Yeah

0:42:25.640 --> 0:42:28.520
<v Speaker 1>maybe beyond like yeah, maybe beyond like the six month mark.

0:42:29.520 --> 0:42:31.839
<v Speaker 1>And I wanted to talk to you, like, what's your

0:42:32.280 --> 0:42:35.080
<v Speaker 1>Have you had to overcome any mindsets that were maybe

0:42:35.160 --> 0:42:37.800
<v Speaker 1>hurting you financially where you maybe a little conservative in

0:42:37.840 --> 0:42:39.480
<v Speaker 1>the beginning, or have you always kind of you know,

0:42:39.960 --> 0:42:43.680
<v Speaker 1>just learned and approached investing differently, Because for a lot

0:42:43.680 --> 0:42:46.360
<v Speaker 1>of people, especially now, the majority will look at the

0:42:46.360 --> 0:42:48.799
<v Speaker 1>stock market what happened back in the spring, you know,

0:42:48.840 --> 0:42:50.759
<v Speaker 1>March and April and be like, oh shit, like get

0:42:50.760 --> 0:42:52.800
<v Speaker 1>me out of here, this is crazy. Yeah, So to

0:42:52.840 --> 0:42:54.399
<v Speaker 1>talk about that, if you don't mind.

0:42:54.200 --> 0:42:58.720
<v Speaker 5>I think, yeah, the saving thing I I six months.

0:42:59.040 --> 0:43:00.839
<v Speaker 5>I tell a lot of it was the goal, and

0:43:01.000 --> 0:43:03.759
<v Speaker 5>I try to tell people to cap it. Like Indians

0:43:04.040 --> 0:43:05.640
<v Speaker 5>tend to be super saviors to a lot of my

0:43:05.680 --> 0:43:08.040
<v Speaker 5>friends are kind of fall under that boat. I know

0:43:08.080 --> 0:43:09.439
<v Speaker 5>a lot of people that make a lot of money,

0:43:09.480 --> 0:43:12.280
<v Speaker 5>and this save every penny that they can. So they're

0:43:12.320 --> 0:43:14.359
<v Speaker 5>saving like seventy eighty percent of their income and they

0:43:14.400 --> 0:43:16.880
<v Speaker 5>have three four five years worth of expenses saved in

0:43:16.920 --> 0:43:19.600
<v Speaker 5>their bank account just sitting there. And this is way

0:43:19.600 --> 0:43:21.000
<v Speaker 5>past the FDIC limit.

0:43:21.400 --> 0:43:22.879
<v Speaker 4>So you know, I must be.

0:43:24.360 --> 0:43:26.920
<v Speaker 2>Yeah, noymore, I'm better now. I have a financial planner.

0:43:26.960 --> 0:43:30.040
<v Speaker 2>That's cheesy, is Indian shout out to any but yeah,

0:43:30.080 --> 0:43:30.719
<v Speaker 2>I'm better now.

0:43:30.719 --> 0:43:32.000
<v Speaker 3>But that was so me.

0:43:32.680 --> 0:43:35.120
<v Speaker 5>Yeah, and you know it's it's better than blowing all

0:43:35.160 --> 0:43:38.640
<v Speaker 5>that money, right. But what I try to tell people is,

0:43:38.680 --> 0:43:40.879
<v Speaker 5>you know, you can do a lot better and take

0:43:41.239 --> 0:43:44.640
<v Speaker 5>low risks if you you know, you once you learn

0:43:44.680 --> 0:43:46.680
<v Speaker 5>about how investing works, you can kind of get a

0:43:46.719 --> 0:43:48.440
<v Speaker 5>better feel of it. So I used to have a

0:43:48.480 --> 0:43:50.360
<v Speaker 5>lot of money in the market, and I made a

0:43:50.480 --> 0:43:52.880
<v Speaker 5>video on this earlier this year, like back in it

0:43:52.960 --> 0:43:55.400
<v Speaker 5>was actually in February, where I talked about how I

0:43:55.440 --> 0:43:58.120
<v Speaker 5>was selling a lot of stuff just because sometimes, you know.

0:43:59.160 --> 0:44:01.680
<v Speaker 4>Things do feel like a low, little overheated.

0:44:01.719 --> 0:44:04.279
<v Speaker 5>Now this is completely lucky, Like you know, I talked

0:44:04.320 --> 0:44:06.279
<v Speaker 5>about this, This was like one hundred percent luck. I

0:44:06.320 --> 0:44:08.719
<v Speaker 5>did not predict a crash or did not predict a pandemic.

0:44:08.719 --> 0:44:11.640
<v Speaker 5>This was like completely luck. In February, I was like,

0:44:11.680 --> 0:44:14.040
<v Speaker 5>you know, I've made a lot of money over the

0:44:14.120 --> 0:44:15.960
<v Speaker 5>last few years in the stock market, so I'm selling

0:44:16.040 --> 0:44:18.239
<v Speaker 5>right now because a lot of things are really high,

0:44:18.280 --> 0:44:20.520
<v Speaker 5>evaluations are really high, and it's just a good time

0:44:20.560 --> 0:44:21.680
<v Speaker 5>to take some money off the table.

0:44:21.719 --> 0:44:22.360
<v Speaker 4>And that's okay.

0:44:22.920 --> 0:44:24.440
<v Speaker 5>You know what I tell people, when it comes to

0:44:24.480 --> 0:44:27.480
<v Speaker 5>saving and investing, your investment money doesn't always have to

0:44:27.520 --> 0:44:30.960
<v Speaker 5>be invested, Like cash is an investment position as well.

0:44:31.800 --> 0:44:33.759
<v Speaker 5>It's just knowing that this is money that you want

0:44:33.800 --> 0:44:36.359
<v Speaker 5>to invest that you're you know, looking for an opportunity.

0:44:37.160 --> 0:44:39.200
<v Speaker 5>I like real estate. I haven't bought real estate in

0:44:39.239 --> 0:44:41.040
<v Speaker 5>a while because I'm waiting for an opportunity.

0:44:41.080 --> 0:44:43.480
<v Speaker 4>So I have cash that I'm waiting to invest, and

0:44:43.600 --> 0:44:43.839
<v Speaker 4>you know.

0:44:43.800 --> 0:44:46.040
<v Speaker 5>It goes beyond my saving goals, but it's it's my

0:44:46.160 --> 0:44:49.000
<v Speaker 5>investment money that I'm waiting to invest.

0:44:49.440 --> 0:44:53.040
<v Speaker 4>So that's kind of like what I've developed over the years.

0:44:53.040 --> 0:44:54.640
<v Speaker 5>And I think I used to be a lot riskier

0:44:54.880 --> 0:44:57.440
<v Speaker 5>when I was younger, when I was first getting started,

0:44:57.480 --> 0:45:00.560
<v Speaker 5>because at that point, I was like, Wow, what do

0:45:00.600 --> 0:45:02.319
<v Speaker 5>I have to lose? So I'm just going all in

0:45:02.760 --> 0:45:04.880
<v Speaker 5>everywhere I can, because for me, it was just like,

0:45:04.920 --> 0:45:06.600
<v Speaker 5>you know what, this is my time to learn, this

0:45:06.640 --> 0:45:08.960
<v Speaker 5>is my time to go all in with everything. Now,

0:45:09.520 --> 0:45:11.560
<v Speaker 5>you know, I'm still willing to take risk, but I'm

0:45:11.640 --> 0:45:15.279
<v Speaker 5>definitely a little bit more conservative and I do a

0:45:15.280 --> 0:45:17.239
<v Speaker 5>lot more research now than I used to before. I

0:45:17.280 --> 0:45:20.480
<v Speaker 5>was more of a doer before thinking at all. Now

0:45:20.560 --> 0:45:22.319
<v Speaker 5>I'm still a doer, but I do spend a little

0:45:22.320 --> 0:45:25.640
<v Speaker 5>bit more time thinking before I trying to make those moves.

0:45:25.920 --> 0:45:28.600
<v Speaker 1>So you cleaned out your investments in February, lucky, and

0:45:29.320 --> 0:45:31.520
<v Speaker 1>then what did you get back in once things started

0:45:31.560 --> 0:45:33.879
<v Speaker 1>to go like what what did Yeah? What what did

0:45:33.880 --> 0:45:36.279
<v Speaker 1>you do? Because I think there were folks who were

0:45:36.320 --> 0:45:38.520
<v Speaker 1>it's that financial double dutch again, which is I don't

0:45:38.520 --> 0:45:40.680
<v Speaker 1>know if you're familiar with double dutch. It's kind of fun.

0:45:43.560 --> 0:45:45.360
<v Speaker 3>I know double Dutch. I don't know if you even watched.

0:45:45.360 --> 0:45:47.520
<v Speaker 2>Like when girls jump into the road, they do this

0:45:47.719 --> 0:45:49.960
<v Speaker 2>like bobbing back and forth, trying to figure out the

0:45:49.960 --> 0:45:52.239
<v Speaker 2>perfect time to jump into you. You're literally rocking back

0:45:52.280 --> 0:45:54.000
<v Speaker 2>and forth. So it's like, yeah, so it's a good

0:45:54.000 --> 0:45:55.440
<v Speaker 2>analogy to getting into the market.

0:45:55.920 --> 0:45:57.040
<v Speaker 4>So yeah, I did.

0:45:57.600 --> 0:46:00.360
<v Speaker 5>I talked about this on YouTube that I do this

0:46:00.480 --> 0:46:03.680
<v Speaker 5>kind of like drip investing, where I buy in phases. Now,

0:46:03.680 --> 0:46:06.600
<v Speaker 5>I'm not the greatest stock market investor out there. One

0:46:06.640 --> 0:46:09.279
<v Speaker 5>of our partners AKA, who does a lot of our

0:46:09.320 --> 0:46:12.200
<v Speaker 5>stock market teaching, he is like, he taught me a

0:46:12.239 --> 0:46:14.080
<v Speaker 5>lot about the stock market. I learned a lot from him.

0:46:14.080 --> 0:46:18.080
<v Speaker 5>But I do what I call drip investing. So when

0:46:18.080 --> 0:46:20.279
<v Speaker 5>the stock market falls, that's when I come in and buy,

0:46:20.320 --> 0:46:22.880
<v Speaker 5>and I buy in phases. So every time it falls

0:46:22.880 --> 0:46:25.200
<v Speaker 5>ten to fifteen percent, I buy. If it falls more,

0:46:25.239 --> 0:46:27.239
<v Speaker 5>I buy more, and so I kind of just buy

0:46:27.400 --> 0:46:29.719
<v Speaker 5>those phases. So when it was falling, I was just

0:46:29.760 --> 0:46:32.680
<v Speaker 5>buying the whole way down, and then I did sell

0:46:32.680 --> 0:46:34.759
<v Speaker 5>a little bit a few months later because the stock

0:46:34.800 --> 0:46:37.960
<v Speaker 5>market recovered so fast that it was like, this is

0:46:38.040 --> 0:46:41.600
<v Speaker 5>kind of crazy, how fast the stock market is recovering. So,

0:46:42.040 --> 0:46:43.480
<v Speaker 5>you know, that's kind of what I've been doing with

0:46:43.680 --> 0:46:45.719
<v Speaker 5>in terms of the stock market. I still haven't really

0:46:45.760 --> 0:46:49.160
<v Speaker 5>bought much real estate or at all. I'm just trying

0:46:49.200 --> 0:46:51.120
<v Speaker 5>to figure out what's going on in the real estate market.

0:46:51.239 --> 0:46:52.640
<v Speaker 1>Where are you buying real estate? I don't even know

0:46:52.640 --> 0:46:55.879
<v Speaker 1>where you're based. I'm in Michigan, Michigan Okay, so that's

0:46:56.000 --> 0:46:58.040
<v Speaker 1>and do you have are you investing in real estate

0:46:58.280 --> 0:47:00.200
<v Speaker 1>close by so you kind of know the area?

0:47:00.320 --> 0:47:02.800
<v Speaker 5>Yeah, yeah, a lot of it is in the state.

0:47:03.000 --> 0:47:06.560
<v Speaker 5>So just trying to wait on opportunities. I mean, I'm

0:47:06.600 --> 0:47:10.040
<v Speaker 5>a big value ad investor. I love finding distressed real estate,

0:47:10.719 --> 0:47:15.480
<v Speaker 5>whether it's financially distressed or physically distressed, but just waiting

0:47:15.520 --> 0:47:16.480
<v Speaker 5>on a deal.

0:47:17.080 --> 0:47:20.080
<v Speaker 1>That's to a fixer rupper basically, yeah, I love fixer rubbers.

0:47:20.120 --> 0:47:22.640
<v Speaker 2>I'm working on my first fixture upper right now, so

0:47:22.640 --> 0:47:23.600
<v Speaker 2>I'm excited to see.

0:47:23.600 --> 0:47:25.279
<v Speaker 4>Like what, Oh, that's awesome, muse.

0:47:25.280 --> 0:47:27.560
<v Speaker 2>I was like, you know what, I feel like my

0:47:27.840 --> 0:47:30.480
<v Speaker 2>first kind of jount into investing was really investing by

0:47:30.520 --> 0:47:33.799
<v Speaker 2>growing up business because I was scared of investing traditionally

0:47:33.840 --> 0:47:36.239
<v Speaker 2>since I had that scam. And then I got my

0:47:36.440 --> 0:47:39.680
<v Speaker 2>financial planner and she really helped to like pry open

0:47:39.760 --> 0:47:41.120
<v Speaker 2>my cold dead hands.

0:47:40.920 --> 0:47:41.600
<v Speaker 3>Around my money.

0:47:42.840 --> 0:47:45.920
<v Speaker 2>So because I had enough, I had so much save

0:47:46.080 --> 0:47:48.360
<v Speaker 2>that the house I'm living in now, I paid for

0:47:48.400 --> 0:47:51.279
<v Speaker 2>it in cash and renovated in cash, and paid off

0:47:51.320 --> 0:47:53.160
<v Speaker 2>my parents' house in cash, and paid off my student

0:47:53.280 --> 0:47:56.000
<v Speaker 2>loans in cash. And but there was but not really

0:47:56.040 --> 0:48:01.440
<v Speaker 2>because she was like Tiffany, you have enough last your lifetime.

0:48:01.480 --> 0:48:04.200
<v Speaker 2>You need to invest some of this money. So you know,

0:48:04.280 --> 0:48:06.240
<v Speaker 2>I did that. But then so the real estate property

0:48:06.239 --> 0:48:10.320
<v Speaker 2>that I bought, it's a tax deed from the city

0:48:10.320 --> 0:48:12.239
<v Speaker 2>where I live in New Jersey, and so it was

0:48:12.239 --> 0:48:15.760
<v Speaker 2>ten thousand dollars, which is awesome, and it needed.

0:48:15.560 --> 0:48:17.680
<v Speaker 3>About one hundred and fifty thousand dollars worth of work.

0:48:17.719 --> 0:48:20.480
<v Speaker 2>But the homes around their goal for about two twenty

0:48:20.480 --> 0:48:23.600
<v Speaker 2>five and they're building a new train station that goes

0:48:23.600 --> 0:48:26.160
<v Speaker 2>directly to New York City, like around the corner. Yeah,

0:48:26.200 --> 0:48:27.920
<v Speaker 2>so I'm like, yeah, I cannot wait to see this,

0:48:28.960 --> 0:48:32.640
<v Speaker 2>to see We're looking now, I'm stacking money to look

0:48:33.200 --> 0:48:35.640
<v Speaker 2>same as you, to see if there's like another opportunity

0:48:35.640 --> 0:48:40.239
<v Speaker 2>to purchase something. Because my angelie, my financial planner, said,

0:48:40.520 --> 0:48:42.719
<v Speaker 2>you've already you know, you've hit your goal for the

0:48:42.800 --> 0:48:45.680
<v Speaker 2>year as far as setting aside for retirement and just

0:48:45.760 --> 0:48:49.640
<v Speaker 2>investing for wealth with her, and so now she just

0:48:49.680 --> 0:48:51.960
<v Speaker 2>suggested that we start to for the rest of the

0:48:52.040 --> 0:48:54.879
<v Speaker 2>year put the rest away to purchase real estate when

0:48:54.920 --> 0:48:56.319
<v Speaker 2>we felt the time was right. So that's what my

0:48:56.360 --> 0:48:59.640
<v Speaker 2>husband and I are doing now. But yeah, did you

0:48:59.760 --> 0:49:01.520
<v Speaker 2>have I mean, I never would have thought I would

0:49:01.520 --> 0:49:04.359
<v Speaker 2>have had a financial planner, So I guess that's my question.

0:49:04.440 --> 0:49:06.120
<v Speaker 2>Do you have someone? I mean, I know you have Ak.

0:49:06.160 --> 0:49:08.359
<v Speaker 2>I love him too because I watch his channel. He's

0:49:08.360 --> 0:49:10.320
<v Speaker 2>a little wilder than you, but he's still funny.

0:49:10.400 --> 0:49:12.880
<v Speaker 5>Yeah, he's really smart.

0:49:13.239 --> 0:49:16.840
<v Speaker 4>He's like edgy, but he's really smart.

0:49:17.239 --> 0:49:18.160
<v Speaker 3>So is that your go to?

0:49:18.280 --> 0:49:19.920
<v Speaker 2>Or do you have like a formal because I know

0:49:20.040 --> 0:49:22.880
<v Speaker 2>Mandy has someone her name is Helen, that kind of

0:49:22.880 --> 0:49:24.880
<v Speaker 2>guides her through the things that she doesn't know. Do

0:49:24.920 --> 0:49:26.759
<v Speaker 2>you have like a go to aside from him, that

0:49:26.840 --> 0:49:29.400
<v Speaker 2>guide you through the things that you don't know financially.

0:49:29.719 --> 0:49:30.920
<v Speaker 4>In different areas.

0:49:31.160 --> 0:49:33.920
<v Speaker 5>Yes, So not like one kind of go to financial

0:49:33.920 --> 0:49:36.480
<v Speaker 5>planner in that sense, But you know, people I have

0:49:36.680 --> 0:49:38.959
<v Speaker 5>like Ak is who I go to In the stock market.

0:49:39.000 --> 0:49:41.280
<v Speaker 5>I have a few friends who are I mean absolutely

0:49:41.360 --> 0:49:41.759
<v Speaker 5>killing it.

0:49:41.800 --> 0:49:42.480
<v Speaker 4>In real estate.

0:49:43.480 --> 0:49:45.440
<v Speaker 5>I have a couple of people, not many in the

0:49:45.600 --> 0:49:48.880
<v Speaker 5>entrepreneur business space that I talked to, but mainly in

0:49:49.200 --> 0:49:51.920
<v Speaker 5>the real estate and stock market space. Do I have

0:49:51.960 --> 0:49:54.439
<v Speaker 5>people that kind of bounced ideas off of and talked

0:49:54.440 --> 0:49:56.120
<v Speaker 5>to about what's going on And a couple of brokers

0:49:56.160 --> 0:49:59.239
<v Speaker 5>in the area that are really really active in the

0:49:59.239 --> 0:50:00.000
<v Speaker 5>real estate market.

0:50:00.400 --> 0:50:02.960
<v Speaker 1>What do you have So you mentioned investing on the

0:50:03.080 --> 0:50:06.880
<v Speaker 1>side so that you can use that money to purchase

0:50:07.360 --> 0:50:10.600
<v Speaker 1>potentially income properties. What's your investing strategy when it comes

0:50:10.640 --> 0:50:13.279
<v Speaker 1>to saving for real estate because if you're looking for opportunities,

0:50:13.320 --> 0:50:14.680
<v Speaker 1>you know, you don't know when this will pop up,

0:50:14.920 --> 0:50:17.600
<v Speaker 1>so you need to be liquid enough. So I'm curious.

0:50:17.840 --> 0:50:19.839
<v Speaker 5>So kind of like what I was saying before, right,

0:50:20.360 --> 0:50:23.600
<v Speaker 5>I have my savings cash, which is just savings, and

0:50:23.600 --> 0:50:26.480
<v Speaker 5>then I have my investment money, which not all that

0:50:26.520 --> 0:50:31.040
<v Speaker 5>money is always invested. Cash is a position, and so

0:50:31.239 --> 0:50:34.680
<v Speaker 5>I have cash that I have waiting to invest. So

0:50:35.200 --> 0:50:37.400
<v Speaker 5>that's that's kind of my real estate that I'm waiting

0:50:37.600 --> 0:50:39.560
<v Speaker 5>to buy real estate that's just kind of sitting there. Yeah,

0:50:39.600 --> 0:50:42.840
<v Speaker 5>it's not growing right now, it's losing value to inflation.

0:50:42.920 --> 0:50:45.040
<v Speaker 5>But this is money that I'm kind of you know,

0:50:45.120 --> 0:50:47.640
<v Speaker 5>I have ready because when if real estate prices come down,

0:50:47.680 --> 0:50:48.719
<v Speaker 5>I want to be there and I want to be

0:50:48.760 --> 0:50:51.560
<v Speaker 5>the ones that's ready to buy without any questions.

0:50:52.040 --> 0:50:56.480
<v Speaker 1>Yeah, we can't all be, sister Carol. But did she buy?

0:50:56.600 --> 0:50:58.960
<v Speaker 1>She bought like fifteen her dollars worth of and paid so.

0:50:59.000 --> 0:51:02.640
<v Speaker 2>Yeah, she she actually like she loves investing in the

0:51:02.680 --> 0:51:05.480
<v Speaker 2>market and she can pick them, so she's an engineer

0:51:06.080 --> 0:51:06.479
<v Speaker 2>by trade.

0:51:06.480 --> 0:51:07.719
<v Speaker 3>Told her my parents were happy with her.

0:51:08.320 --> 0:51:11.920
<v Speaker 2>But she she told me about Tesla years ago and

0:51:12.040 --> 0:51:13.920
<v Speaker 2>she brought it when it was thirty dollars a share.

0:51:14.600 --> 0:51:16.040
<v Speaker 4>Wow, she was like, you should, you should.

0:51:16.080 --> 0:51:19.680
<v Speaker 2>This is a company called Tesla, and I was like yeah, nah,

0:51:19.680 --> 0:51:22.880
<v Speaker 2>and then like and then the next year Thanksgiving, she

0:51:23.000 --> 0:51:24.680
<v Speaker 2>was like, it's gone up. It's like a hundred dollars

0:51:24.680 --> 0:51:26.880
<v Speaker 2>a share or whatever it was. And I was still like, no,

0:51:27.080 --> 0:51:29.760
<v Speaker 2>not interested. So at the time she brought like fifteen

0:51:29.800 --> 0:51:33.560
<v Speaker 2>hundred dollars worth and yeah, so she ended up like

0:51:33.600 --> 0:51:35.239
<v Speaker 2>selling it though I forget whatever it was. But she

0:51:35.280 --> 0:51:36.759
<v Speaker 2>ended up selling it to pay for her wedding and

0:51:36.840 --> 0:51:39.360
<v Speaker 2>she put in fifteen hundred and got out thirty thousand dollars.

0:51:39.520 --> 0:51:41.960
<v Speaker 4>So wow, that's an amazing return.

0:51:42.080 --> 0:51:44.120
<v Speaker 2>Yes, and so but now I listened to her because

0:51:44.120 --> 0:51:46.960
<v Speaker 2>she told me about Shopify, for example, when it was

0:51:46.960 --> 0:51:48.799
<v Speaker 2>like I think it was iping, and she was like,

0:51:48.800 --> 0:51:49.560
<v Speaker 2>I think it's a good stock.

0:51:49.560 --> 0:51:50.400
<v Speaker 3>I've been doing my research.

0:51:50.440 --> 0:51:53.279
<v Speaker 2>And I was like, okay, I bought Shopify at how

0:51:53.360 --> 0:51:54.840
<v Speaker 2>much did I buy it for? I think one hundred

0:51:54.840 --> 0:51:57.040
<v Speaker 2>and forty dollars a share. It's over a thousand dollars

0:51:57.120 --> 0:52:00.360
<v Speaker 2>right now. But wow, my stingy self bought three share

0:52:00.400 --> 0:52:01.600
<v Speaker 2>something like ah dang.

0:52:02.880 --> 0:52:04.319
<v Speaker 3>Said a lot more. But yeah.

0:52:04.360 --> 0:52:07.319
<v Speaker 2>So she's kind of like my my ak because she

0:52:07.360 --> 0:52:11.720
<v Speaker 2>will do the research and she she loves like stocks.

0:52:11.760 --> 0:52:14.080
<v Speaker 2>But I just, you know, I just don't have the

0:52:14.120 --> 0:52:16.560
<v Speaker 2>capacity or really the interest in doing all the research.

0:52:16.600 --> 0:52:19.320
<v Speaker 2>So I'm mostly like an index mutual fun person, unless

0:52:19.440 --> 0:52:20.960
<v Speaker 2>you know, she's like, there's a stock. I've been doing

0:52:20.960 --> 0:52:23.359
<v Speaker 2>this research for the last three years. I really like them.

0:52:23.400 --> 0:52:26.040
<v Speaker 2>And then we for once all listen. But I have

0:52:26.120 --> 0:52:27.960
<v Speaker 2>like a random question for you. Do you get like

0:52:28.040 --> 0:52:29.759
<v Speaker 2>spotted in the streets, like I.

0:52:29.800 --> 0:52:30.719
<v Speaker 5>Hat you're just great?

0:52:31.280 --> 0:52:32.439
<v Speaker 4>A few times here and there.

0:52:32.480 --> 0:52:35.279
<v Speaker 5>Not so much now during COVID, but uh, every once

0:52:35.320 --> 0:52:36.320
<v Speaker 5>in a while it would.

0:52:36.640 --> 0:52:40.560
<v Speaker 4>It was funny. I never thought of myself kind of

0:52:40.560 --> 0:52:41.200
<v Speaker 4>as a celebrity.

0:52:41.200 --> 0:52:43.360
<v Speaker 5>I still don't, which is like, but it's so so

0:52:43.440 --> 0:52:46.040
<v Speaker 5>weird when like I'll be like going somewhere with my

0:52:46.120 --> 0:52:48.440
<v Speaker 5>family or my friends and somebody will kind of just

0:52:48.440 --> 0:52:49.080
<v Speaker 5>come up to you and.

0:52:48.960 --> 0:52:52.880
<v Speaker 4>Be like, hey, are you just freak? And I'm like yeah,

0:52:53.280 --> 0:52:54.080
<v Speaker 4>It's like it's funny.

0:52:54.080 --> 0:52:56.480
<v Speaker 5>It's amazing because I love connecting with people, you know,

0:52:56.560 --> 0:52:59.000
<v Speaker 5>our own fans and audience. It's just like, I just

0:52:59.080 --> 0:53:02.200
<v Speaker 5>never ever thought of myself. I still don't think of

0:53:02.200 --> 0:53:04.919
<v Speaker 5>myself as kind of like a celebrity in any way,

0:53:05.000 --> 0:53:07.120
<v Speaker 5>you know. So it's just like I'm just like, look, man,

0:53:07.160 --> 0:53:09.399
<v Speaker 5>I'm just like you man, it's you know what I mean.

0:53:09.600 --> 0:53:10.920
<v Speaker 3>Yeah, that's awesome.

0:53:11.760 --> 0:53:15.960
<v Speaker 1>Just with like one hundred million more people, they're gonna.

0:53:15.760 --> 0:53:17.279
<v Speaker 2>Be watching it even more now. I'm telling you, like

0:53:17.360 --> 0:53:18.960
<v Speaker 2>we have been singing your praises.

0:53:20.160 --> 0:53:21.680
<v Speaker 4>I appreciate that you are also now.

0:53:21.680 --> 0:53:23.480
<v Speaker 2>When Mandy said that we have Jess breedon, I was like,

0:53:23.560 --> 0:53:25.680
<v Speaker 2>are you are you toying with me?

0:53:26.719 --> 0:53:27.279
<v Speaker 4>Oh my god.

0:53:27.920 --> 0:53:29.719
<v Speaker 1>And then when I told my sister, I mean humble Brake,

0:53:29.760 --> 0:53:31.120
<v Speaker 1>I just emailed him and he like emails.

0:53:31.880 --> 0:53:34.719
<v Speaker 3>When I told Carol, my my my stock trading sister,

0:53:34.840 --> 0:53:37.560
<v Speaker 3>she was like, no way, no way, no way. I

0:53:37.600 --> 0:53:39.879
<v Speaker 3>was like, I know, you know, I'm telling you now.

0:53:39.880 --> 0:53:42.040
<v Speaker 2>Even like I said, my three year old niece Amelia

0:53:42.160 --> 0:53:43.680
<v Speaker 2>was like, Jess break I'm.

0:53:43.480 --> 0:53:44.560
<v Speaker 3>Like, yes, a million.

0:53:45.280 --> 0:53:47.160
<v Speaker 4>So you guys are so sweet now.

0:53:47.040 --> 0:53:49.239
<v Speaker 2>But honestly, you just like I said, it's to me,

0:53:49.600 --> 0:53:53.040
<v Speaker 2>there needs to be more representation in financial education, and

0:53:53.080 --> 0:53:54.440
<v Speaker 2>so it was just good to.

0:53:54.400 --> 0:53:57.160
<v Speaker 3>See someone who looked different.

0:53:57.239 --> 0:54:00.120
<v Speaker 2>I think it's important for people to see themselves and

0:54:00.160 --> 0:54:04.680
<v Speaker 2>the people that they're learning from. And so I just honestly,

0:54:04.719 --> 0:54:06.400
<v Speaker 2>I don't know how for so long because Mandy and

0:54:06.400 --> 0:54:08.759
<v Speaker 2>I are part of like this like kind of like

0:54:08.880 --> 0:54:11.520
<v Speaker 2>brown coalition of financial like educators, and.

0:54:11.480 --> 0:54:12.960
<v Speaker 3>I'm like, how do we not know about Joss Free

0:54:13.040 --> 0:54:16.920
<v Speaker 3>until recently? Because I make it my business?

0:54:21.400 --> 0:54:23.680
<v Speaker 2>Yes, because I think, like I said, I think I

0:54:23.680 --> 0:54:28.239
<v Speaker 2>think representation is important because what it's I think traditionally

0:54:28.400 --> 0:54:32.439
<v Speaker 2>in financial education, black and brown communities are left out

0:54:32.480 --> 0:54:37.200
<v Speaker 2>of the financial conversation and it's mostly pushed like savings

0:54:37.239 --> 0:54:39.960
<v Speaker 2>and budgeting, which is good, you know, but sometimes this

0:54:40.160 --> 0:54:43.719
<v Speaker 2>next level financial education we don't really get access to.

0:54:43.880 --> 0:54:46.839
<v Speaker 2>So I think it's important that you know that people

0:54:46.880 --> 0:54:49.880
<v Speaker 2>who look different, people who sound different, people who have

0:54:50.280 --> 0:54:52.240
<v Speaker 2>different names, Like but I don't even use my African

0:54:52.280 --> 0:54:53.920
<v Speaker 2>name because no one can say it properly, and so

0:54:53.920 --> 0:54:57.440
<v Speaker 2>I'm just calling Tiffany it's Adochi, which.

0:54:57.280 --> 0:55:01.359
<v Speaker 4>Is not that hard adote like that's awesome, and so.

0:55:01.680 --> 0:55:04.520
<v Speaker 2>But yeah, I think that it's so representation in this

0:55:04.640 --> 0:55:09.080
<v Speaker 2>space is so important because it means that everyone gets

0:55:09.120 --> 0:55:12.640
<v Speaker 2>to learn, everyone gets to have a say, and and

0:55:12.760 --> 0:55:15.200
<v Speaker 2>everyone gets to like to reach and being powered.

0:55:15.320 --> 0:55:18.239
<v Speaker 3>So no, we just really thank you.

0:55:17.480 --> 0:55:19.319
<v Speaker 5>No, thank you guys for having Thank you too for

0:55:19.360 --> 0:55:21.719
<v Speaker 5>having me that it was. This is an amazing call

0:55:21.760 --> 0:55:24.520
<v Speaker 5>and I love what you two are doing. This is

0:55:24.520 --> 0:55:29.040
<v Speaker 5>a much needed financial education is so needed, especially.

0:55:28.680 --> 0:55:29.439
<v Speaker 4>Now more than ever.

0:55:29.520 --> 0:55:33.800
<v Speaker 5>I mean, our whole kind of society, our whole education

0:55:33.880 --> 0:55:36.560
<v Speaker 5>system is good. But at the end of the day,

0:55:36.680 --> 0:55:39.160
<v Speaker 5>if you do not know how to manage and master

0:55:39.280 --> 0:55:42.880
<v Speaker 5>your money, doesn't matter what you do. You know, if

0:55:43.480 --> 0:55:44.880
<v Speaker 5>you can have the best job in the world, but

0:55:44.920 --> 0:55:48.279
<v Speaker 5>if you're struggling to pay your bills, you are it's

0:55:48.360 --> 0:55:50.000
<v Speaker 5>just not you know, you're not fully there.

0:55:50.480 --> 0:55:53.200
<v Speaker 1>Yeah, well, just Breed, thank you so much for coming

0:55:53.239 --> 0:55:56.239
<v Speaker 1>on b a minority Minds at the Minority Minds at

0:55:56.320 --> 0:55:59.960
<v Speaker 1>dot com folks find him on YouTube. Subscribe right now

0:56:00.360 --> 0:56:02.840
<v Speaker 1>and you also have a great insta. Yes, is that

0:56:02.880 --> 0:56:03.839
<v Speaker 1>the minority mindset too?

0:56:03.880 --> 0:56:05.280
<v Speaker 4>It is in this minority mindset.

0:56:05.920 --> 0:56:08.719
<v Speaker 1>Yeah, and real quick for our final question, if I

0:56:08.719 --> 0:56:10.239
<v Speaker 1>can just call it the final question. I don't know

0:56:10.280 --> 0:56:12.480
<v Speaker 1>Tiffany might want to talk to you for like, no, no, no, no,

0:56:12.320 --> 0:56:13.879
<v Speaker 1>few hours because I've done enough.

0:56:13.880 --> 0:56:16.319
<v Speaker 3>I've done enough, but.

0:56:16.520 --> 0:56:20.440
<v Speaker 1>I have You know, we talk about success and investing

0:56:20.480 --> 0:56:22.719
<v Speaker 1>in all these things, but you know, what's your long

0:56:22.880 --> 0:56:25.960
<v Speaker 1>what's your happy like? What's your picture of yourself in

0:56:26.000 --> 0:56:28.120
<v Speaker 1>the future twenty thirty years on the line, What is

0:56:28.200 --> 0:56:29.800
<v Speaker 1>just bret and retirement look like? And what are you

0:56:29.880 --> 0:56:30.520
<v Speaker 1>working toward?

0:56:31.120 --> 0:56:35.000
<v Speaker 4>Uh? Well, continuing working in this financial space. I love.

0:56:35.120 --> 0:56:38.480
<v Speaker 5>I love the financial space, but also I'm really interested

0:56:38.520 --> 0:56:40.040
<v Speaker 5>in the venture capital space.

0:56:40.040 --> 0:56:41.400
<v Speaker 4>I love working with entrepreneurs.

0:56:41.800 --> 0:56:44.080
<v Speaker 5>So maybe something kind of a blend between the two,

0:56:44.120 --> 0:56:49.359
<v Speaker 5>working with entrepreneurs, helping fund entrepreneurs fuel their dreams and

0:56:49.640 --> 0:56:52.480
<v Speaker 5>kind of working with them too, So something in that space.

0:56:53.080 --> 0:56:55.440
<v Speaker 1>I love that. Okay, so one day we'll get those socks,

0:56:55.440 --> 0:56:58.000
<v Speaker 1>but maybe someone will. Yes, exactly, it's your VC funding,

0:57:00.000 --> 0:57:02.799
<v Speaker 1>all right, Jeffree, thank you so so much. Y'all go

0:57:02.920 --> 0:57:04.680
<v Speaker 1>follow just free the minority mindset.

0:57:04.800 --> 0:57:05.600
<v Speaker 4>Thank you so much.

0:57:23.480 --> 0:57:25.080
<v Speaker 3>Mandra I had need a call drink.

0:57:26.120 --> 0:57:31.000
<v Speaker 1>How you got that speed stick somewhere nearby?

0:57:32.280 --> 0:57:35.560
<v Speaker 3>Honestly, yeah, this is yes, I do.

0:57:35.760 --> 0:57:38.560
<v Speaker 2>He's just like, like I said, to find somebody who

0:57:38.600 --> 0:57:40.160
<v Speaker 2>it's like I feel like Jeff Brie is like the

0:57:40.160 --> 0:57:40.920
<v Speaker 2>budgete Stowe.

0:57:42.240 --> 0:57:43.360
<v Speaker 1>Yeah, the budgete Sto.

0:57:43.480 --> 0:57:44.560
<v Speaker 3>Oh that's funny.

0:57:45.400 --> 0:57:49.720
<v Speaker 1>Yes, I mean, and it's you know, the fact that

0:57:49.720 --> 0:57:51.840
<v Speaker 1>he focuses on the mindset is great because I feel

0:57:51.840 --> 0:57:54.080
<v Speaker 1>like we talked about that a lot. Just how you know,

0:57:54.120 --> 0:57:56.560
<v Speaker 1>what's holding us back is really the knowledge, access to

0:57:56.600 --> 0:57:59.640
<v Speaker 1>the knowledge, and then understanding how to you know, move

0:57:59.680 --> 0:58:01.400
<v Speaker 1>forward with that knowledge in mind and not let your

0:58:01.400 --> 0:58:04.240
<v Speaker 1>emotions kind of get in the way. But yeah, I

0:58:04.240 --> 0:58:06.080
<v Speaker 1>love him. You guys got to check out just Bread

0:58:06.880 --> 0:58:09.360
<v Speaker 1>the minority mindset, and I feel like, look out for

0:58:09.440 --> 0:58:13.680
<v Speaker 1>Tiffany and just Breed's co authored book coming forthcoming. I

0:58:13.680 --> 0:58:14.400
<v Speaker 1>don't know, I feel like.

0:58:16.440 --> 0:58:18.280
<v Speaker 2>A party, we can to do something, even if it's

0:58:18.320 --> 0:58:20.720
<v Speaker 2>just a live or something, because I just feel like

0:58:21.160 --> 0:58:23.080
<v Speaker 2>that Dreamcatchers need to get to know Jasper.

0:58:23.560 --> 0:58:26.480
<v Speaker 1>I feel like, dare I say they will, but I'm

0:58:26.560 --> 0:58:28.120
<v Speaker 1>right to round out the show. Do you want to

0:58:28.120 --> 0:58:29.560
<v Speaker 1>do a quick brown boost, brown break?

0:58:31.320 --> 0:58:34.960
<v Speaker 3>Well, I'm not gonna lie. I am not prepared.

0:58:35.000 --> 0:58:36.480
<v Speaker 2>Well you know what, No, I do want to do

0:58:36.600 --> 0:58:39.360
<v Speaker 2>a brown unfortunately, a brown break.

0:58:39.400 --> 0:58:42.520
<v Speaker 3>I hate to bring bring down the good times, but.

0:58:42.600 --> 0:58:44.240
<v Speaker 1>Bring us down, bring us up, don't worry.

0:58:44.440 --> 0:58:46.240
<v Speaker 3>No, good because I.

0:58:46.280 --> 0:58:50.520
<v Speaker 2>Was on the IG and someone had posted I'm like,

0:58:50.600 --> 0:58:56.240
<v Speaker 2>is this real life where our current administration has He's

0:58:56.360 --> 0:59:01.479
<v Speaker 2>banned federal agencies from conducting racial sensitivity related to white

0:59:01.480 --> 0:59:06.240
<v Speaker 2>privilege and criminal race theory that he feels that it's

0:59:06.280 --> 0:59:10.800
<v Speaker 2>divisive and anti American propaganda. Can you imagine? And I

0:59:11.040 --> 0:59:16.320
<v Speaker 2>just I was like, we are living in like really

0:59:17.000 --> 0:59:19.720
<v Speaker 2>scary times. And when I saw that, I was like,

0:59:19.760 --> 0:59:22.400
<v Speaker 2>oh my god. And so I'm just telling people like, honestly,

0:59:22.920 --> 0:59:24.919
<v Speaker 2>please do not take your vote for granted. We need

0:59:24.960 --> 0:59:27.840
<v Speaker 2>you to vote. We need you to submit your you know,

0:59:27.960 --> 0:59:30.640
<v Speaker 2>your your your ballad via mail or go and line

0:59:30.720 --> 0:59:32.520
<v Speaker 2>up to vote. I mean, I just we can't live

0:59:32.560 --> 0:59:35.960
<v Speaker 2>like this and don't just vote. Consider becoming a poll worker.

0:59:36.000 --> 0:59:39.280
<v Speaker 2>It's extremely easy and the I just signed up. I

0:59:39.320 --> 0:59:41.080
<v Speaker 2>sent them like an email every day like please, I

0:59:41.080 --> 0:59:41.880
<v Speaker 2>want to be a pollworker.

0:59:41.880 --> 0:59:44.200
<v Speaker 1>In New York. You submit an email to you know,

0:59:44.320 --> 0:59:47.520
<v Speaker 1>your local Board of Elections or whatnot, and it's all

0:59:47.560 --> 0:59:49.760
<v Speaker 1>you do is like one short training I feel like

0:59:49.800 --> 0:59:52.760
<v Speaker 1>maybe an in person or virtual training, and you actually

0:59:52.840 --> 0:59:54.440
<v Speaker 1>get paid for it. I don't know how much it

0:59:54.520 --> 0:59:56.440
<v Speaker 1>is everywhere, but in New York it's three hundred and

0:59:56.480 --> 0:59:59.080
<v Speaker 1>fifty dollars for the day. I was a little bit

0:59:59.160 --> 1:00:01.960
<v Speaker 1>gutted though, because I actually can't do it. And here's why.

1:00:02.000 --> 1:00:04.840
<v Speaker 1>They require you to stand up and work from five

1:00:04.880 --> 1:00:07.640
<v Speaker 1>am until after the polls close, which here in New

1:00:07.720 --> 1:00:12.560
<v Speaker 1>York is nine pm. Excuse me, Like, where's do I

1:00:12.600 --> 1:00:14.080
<v Speaker 1>bring the baby and just feed him?

1:00:14.120 --> 1:00:15.360
<v Speaker 3>Like at the pole's what's happening?

1:00:15.360 --> 1:00:18.920
<v Speaker 1>It's impossible for me, so and I understand, but I

1:00:19.040 --> 1:00:21.959
<v Speaker 1>really was desperate to work as a poll worker because

1:00:21.960 --> 1:00:24.880
<v Speaker 1>there's a shortage because with COVID, you know, because of

1:00:24.920 --> 1:00:26.760
<v Speaker 1>the hours. And now I understand this, a lot of

1:00:26.760 --> 1:00:29.680
<v Speaker 1>the people who are poll workers are older and they

1:00:29.720 --> 1:00:31.920
<v Speaker 1>are not coming out in droves like they usually do

1:00:31.960 --> 1:00:34.400
<v Speaker 1>because they're afraid of catching COVID. Who can blame them,

1:00:34.600 --> 1:00:36.960
<v Speaker 1>But that just means we need people to work as

1:00:37.000 --> 1:00:39.480
<v Speaker 1>poll workers. So if you're available and if you can

1:00:39.520 --> 1:00:41.640
<v Speaker 1>work those hours. Maybe it's not that way everywhere, but

1:00:41.680 --> 1:00:44.440
<v Speaker 1>I was genuinely shocked, and I even emailed her back,

1:00:44.600 --> 1:00:48.840
<v Speaker 1>say five am to nine to win. No, they don't letch.

1:00:48.840 --> 1:00:50.880
<v Speaker 1>They wouldn't let me do like a short shift or whatever.

1:00:51.040 --> 1:00:53.600
<v Speaker 1>So I'm super bummed that I can't be a poll worker.

1:00:53.640 --> 1:00:56.680
<v Speaker 1>But if you can show up, and here's why it matters.

1:00:56.720 --> 1:00:59.000
<v Speaker 1>This summer, when we were it was a primaries here

1:00:59.440 --> 1:01:02.360
<v Speaker 1>in our in our area, the line for the polls

1:01:02.440 --> 1:01:04.440
<v Speaker 1>was insane. My husband went out there for four or

1:01:04.440 --> 1:01:07.480
<v Speaker 1>five hours standing and that's because due to the shortage

1:01:07.480 --> 1:01:10.520
<v Speaker 1>of poll workers, they have decreased the number of polling locations,

1:01:10.760 --> 1:01:13.040
<v Speaker 1>so we went from like sixty places to vote to five.

1:01:13.520 --> 1:01:15.480
<v Speaker 1>And that means people are like, if people have to

1:01:15.520 --> 1:01:17.840
<v Speaker 1>wait in that long line, if they have babies at home,

1:01:17.920 --> 1:01:19.800
<v Speaker 1>like I did, I had to go home to my child.

1:01:19.840 --> 1:01:22.520
<v Speaker 1>I didn't vote in the primary. I don't want that

1:01:22.560 --> 1:01:26.360
<v Speaker 1>to happen. So if you can show up, volunteer work

1:01:26.400 --> 1:01:28.760
<v Speaker 1>as a pollwork or whatever you can and help make

1:01:28.800 --> 1:01:31.800
<v Speaker 1>sure people are able to cast their vote. And if

1:01:31.800 --> 1:01:34.040
<v Speaker 1>you if you can't do that, at least tell people

1:01:34.080 --> 1:01:36.960
<v Speaker 1>that they can vote early and help them, you know,

1:01:37.040 --> 1:01:39.560
<v Speaker 1>figure all that out. Just google your state vote early

1:01:39.640 --> 1:01:41.000
<v Speaker 1>and figure out how to request about it.

1:01:41.600 --> 1:01:44.480
<v Speaker 3>Exactly, exactly exactly.

1:01:44.640 --> 1:01:46.640
<v Speaker 2>I haven't done that in a while. Shout out to Maguell,

1:01:46.680 --> 1:01:50.600
<v Speaker 2>my husband, my sister's husband. Yeah, no, I think that

1:01:51.320 --> 1:01:53.360
<v Speaker 2>hot child. I mean, I'm not gonna lie. There's a

1:01:53.400 --> 1:01:56.800
<v Speaker 2>lot of stress bubbling, but I am hopeful that we

1:01:56.880 --> 1:01:58.720
<v Speaker 2>will pull through and we will be okay.

1:01:59.200 --> 1:01:59.840
<v Speaker 3>Just gotta knat it.

1:01:59.840 --> 1:02:02.720
<v Speaker 1>Till a third of November, y'all. Exactly. I mean we

1:02:02.840 --> 1:02:04.640
<v Speaker 1>had death freed on, so I mean I think we

1:02:04.640 --> 1:02:07.440
<v Speaker 1>can make it happy regardless of what happened. You know,

1:02:07.600 --> 1:02:10.720
<v Speaker 1>folks like just free give me hope for the future. Yes,

1:02:10.880 --> 1:02:12.960
<v Speaker 1>you know, but but but still can we vote though?

1:02:13.000 --> 1:02:14.920
<v Speaker 1>Can we get this Will out of office? That'll be nice?

1:02:15.200 --> 1:02:15.720
<v Speaker 3>Exactly?

1:02:16.400 --> 1:02:19.000
<v Speaker 1>All right, Well, I'll do my brown boost, well one

1:02:19.040 --> 1:02:21.400
<v Speaker 1>big brown boost to anyone who's working the polls this year,

1:02:21.400 --> 1:02:24.439
<v Speaker 1>but also brown boost prom boost to Tia and Mary

1:02:24.760 --> 1:02:27.040
<v Speaker 1>to Marrow Mawori. Can we just talk about Sister Sister

1:02:27.120 --> 1:02:29.720
<v Speaker 1>for one second, which is on Netflix? Please enjoy it.

1:02:30.440 --> 1:02:34.680
<v Speaker 1>That show is still so good, like twenty something years later.

1:02:34.760 --> 1:02:41.680
<v Speaker 1>I can't believe how hilarious. Come on, go home. Oh man,

1:02:42.360 --> 1:02:45.160
<v Speaker 1>I just am so so good. The writing is so

1:02:45.280 --> 1:02:50.800
<v Speaker 1>on point. Jackie Jackie, Yes, Harry, yep, Harry, and then

1:02:50.840 --> 1:02:54.120
<v Speaker 1>Tim Reid and then Marquise Houston or Marquez. I don't

1:02:54.120 --> 1:02:55.680
<v Speaker 1>know how you say his name, but whatever, I'm.

1:02:55.960 --> 1:02:58.120
<v Speaker 3>Well Marcus, super simple, Marcus.

1:02:58.200 --> 1:02:58.920
<v Speaker 1>It's not Marcis.

1:03:00.600 --> 1:03:04.920
<v Speaker 3>I know that's it's very brownish, but it's all hilarious.

1:03:05.240 --> 1:03:07.840
<v Speaker 1>There's so funny, and this is the show. I'm just like, man,

1:03:07.880 --> 1:03:10.960
<v Speaker 1>I miss black TV. I'm glad that shows like this.

1:03:11.040 --> 1:03:12.760
<v Speaker 1>I feels like it feels like Netflix is going out

1:03:12.760 --> 1:03:15.840
<v Speaker 1>of its way to put more black you know, black

1:03:15.920 --> 1:03:18.919
<v Speaker 1>lead shows on their on their platform, which is you know,

1:03:19.160 --> 1:03:21.560
<v Speaker 1>why didn't I till now? But whatever, they're doing it now.

1:03:21.880 --> 1:03:24.080
<v Speaker 1>So I just if you haven't, if you want to

1:03:24.080 --> 1:03:26.360
<v Speaker 1>go back to your to your youth, go watch sister, sister.

1:03:26.440 --> 1:03:28.800
<v Speaker 1>I promise you will not regret it. It's still larious

1:03:29.160 --> 1:03:33.040
<v Speaker 1>and it's Alice. You'll Milda, sister sister, I never knew

1:03:33.120 --> 1:03:37.440
<v Speaker 1>how much I missed you. I'm trying to wait till

1:03:37.440 --> 1:03:40.320
<v Speaker 1>they're college, till they go to college, because that's when

1:03:40.320 --> 1:03:41.800
<v Speaker 1>they did the new theme song and it was like

1:03:41.880 --> 1:03:45.120
<v Speaker 1>sexy and grown up and stuff. Yeah, I know, my

1:03:45.200 --> 1:03:47.720
<v Speaker 1>own time, on my own time, all right, I gotta go.

1:03:47.920 --> 1:03:49.600
<v Speaker 1>I really am okay a great.

1:03:50.440 --> 1:03:52.040
<v Speaker 3>So what episode number is this?

1:03:52.040 --> 1:03:54.960
<v Speaker 1>This is well, okay, this is two thirty three, y'all.

1:03:55.120 --> 1:03:58.920
<v Speaker 1>Two thirty three okay, which is insane. We've done over

1:03:58.960 --> 1:04:02.400
<v Speaker 1>two hundred shows that's crazy. All right, y'all, we'll catch

1:04:02.480 --> 1:04:05.960
<v Speaker 1>us next week. Enjoy your interview with Jess Breet. Let

1:04:06.040 --> 1:04:07.560
<v Speaker 1>us know how you feel about it. Leave us a

1:04:07.600 --> 1:04:11.400
<v Speaker 1>comment on iTunes, leave us a review, Hit us up

1:04:11.440 --> 1:04:15.160
<v Speaker 1>on Instagram. We're at The Brown Ambition Podcast on Instagram,

1:04:15.280 --> 1:04:18.720
<v Speaker 1>or you can email us at wait what what's our email?

1:04:18.760 --> 1:04:20.880
<v Speaker 1>At the BA podcast at gmail dot com.

1:04:21.000 --> 1:04:23.240
<v Speaker 2>Yes, so he can tag me and like directly at

1:04:23.240 --> 1:04:25.320
<v Speaker 2>the budget, e Steve, You're like, girl, you was fanning out.

1:04:25.320 --> 1:04:28.200
<v Speaker 3>I'm okay with it, Superman, I'm okay with it.

1:04:28.520 --> 1:04:30.240
<v Speaker 1>He was fine with it. Who doesn't want to be

1:04:30.280 --> 1:05:41.320
<v Speaker 1>fond over by your budget? Nesta attatatatatastasattattattattat