Speaker 1: HEYBA fam, it's Mandy here. Oh it's kind of sad
Speaker 1: for me to be doing the intro for the last
Speaker 1: show of twenty twenty, but honestly, there's so much to
Speaker 1: celebrate about this year, there's also so much to mourn.
Speaker 1: And let me just be the one to say, you
Speaker 1: have permission to feel however you feel right now. Okay,
Speaker 1: thank you so much for being a part of the
Speaker 1: Brand Ambition family this year of all years, and I
Speaker 1: am delighted to bring to you our last show of
Speaker 1: twenty twenty. It is our Conversation, a look back at
Speaker 1: our conversation rather with just Breach seeing the founder of
Speaker 1: Minority Mindset. Minority Mindset is not just an amazing YouTube
Speaker 1: channel that everyone should go subscribe to you like right
Speaker 1: now and don't forget to tell them BA sent you,
Speaker 1: but it's also a newsletter and just an all around
Speaker 1: source of financial literacy. Just brit is so inspirational and
Speaker 1: he is so good y'all, Like for real, He's amazing
Speaker 1: at explaining different concepts, whether it be investing, buying real estate,
Speaker 1: starting a business, or just starting a budget. Honestly, we
Speaker 1: cannot recommend him more and we hope that you enjoy
Speaker 1: our conversation with just Brit. Happy new Year, Please take care,
Speaker 1: be well and we'll see y'all next year.
Speaker 2: Hey, hey, hey, I can't contain my excitement. Okay, Hey, Mandy,
Speaker 2: how you doing.
Speaker 1: I'm so good. How are you, Tiffany?
Speaker 3: Oh my goodness.
Speaker 2: I honestly don't think I've ever been this excited before
Speaker 2: to tape our podcast. I mean, I'm always excited. Speaking
Speaker 2: of which sidebar, I went to a children's birthday party
Speaker 2: this weekend.
Speaker 1: Wait and want to be a hanging like that?
Speaker 2: No, and it's real quick, because this is important. And
Speaker 2: I went to this children's birthday party.
Speaker 3: I walked in. This lady said, I was just listening
Speaker 3: to brand ambition and tell me Andy.
Speaker 2: I said hi, And I was like, what at this
Speaker 2: nine year old birthday party? I just had to tell
Speaker 2: you that that she said Hi. She was really nice.
Speaker 2: But it's just yeah, so we're everywhere, just to tell
Speaker 2: you we're at children's birthday parties. So yes, I'm excited
Speaker 2: because we have a special guest today and I can't
Speaker 2: even focus on anything else.
Speaker 1: I did not know what a stand you were.
Speaker 2: What this is I'm trying to think is to anybody
Speaker 2: in the finance world that I want to like talk
Speaker 2: to more, isn't h Actually he's definitely top three for me.
Speaker 2: I don't even know the other two. Like, I don't
Speaker 2: even know the other two. I'm just saying top three
Speaker 2: because I don't want to see him crazy by saying
Speaker 2: my number one.
Speaker 1: Well, I'm so excited too, you guys should I let's
Speaker 1: let's let's get to it. Our guest today is the
Speaker 1: fabulous just Breet Sing, the founder of the Minority Mindset,
Speaker 1: which has basically become like a financial education empire. If
Speaker 1: we can, yes, we can say that Sure started as
Speaker 1: a YouTube channel four or five years ago. Hmmm. Also
Speaker 1: celebrating our five year anniversary. So I feel like our
Speaker 1: journeys have been in tandem. But Just Bread started his
Speaker 1: YouTube channel in twenty fifteen. It has blown up. He's
Speaker 1: got hundreds of thousands of subscribers, he's got a massive
Speaker 1: Instagram following. But he also has really at the heart
Speaker 1: of Minority Mindset is financial education. So he has a
Speaker 1: very successful blog, a newsletter that I actually signed my
Speaker 1: husband up for, you know how, Like I was like, babe,
Speaker 1: listen to you know, get this newsletter, and I just
Speaker 1: like put an email in Now he loves his newsletter.
Speaker 1: I feel like next to Robin Hood Snacks and the
Speaker 1: Minority Mindset newsletter, I'm set for the day. Yeah, I
Speaker 1: got my you know, I got my financial news all covered.
Speaker 1: So just is here with us? Can't we to tell?
Speaker 2: Oh my gosh, if the word geeked was in the dictionary,
Speaker 2: it'd be my face right now.
Speaker 1: Like.
Speaker 2: Okay, you have no idea, like bothered, I loved as
Speaker 2: you have no idea?
Speaker 3: What another? Yes?
Speaker 2: Well you know what it is I love about him
Speaker 2: is that one another brown financial educator who actually educates,
Speaker 2: Like he has this passion for teaching and you know,
Speaker 2: like the teacher me, I'm like a teacher snob. So
Speaker 2: I can tell when someone's a good teacher and actually cares.
Speaker 2: You could tell one that he really cares too. He's
Speaker 2: a really good teacher because he takes these concepts that
Speaker 2: can be really overwhelming and daunting and makes them easy
Speaker 2: to understand.
Speaker 3: And what I really love is that Jossprey his.
Speaker 2: Information is different in that like I focus on like
Speaker 2: basic financial education like budgeting and saving and debt, and
Speaker 2: someone like Sandy's side hustles, and someone like Tela sucks,
Speaker 2: But Joshpree really hones in on like economics. He's like
Speaker 2: an economics professor that is fun and engaging and you
Speaker 2: get to learn about like money in this personal sense,
Speaker 2: but what does it mean out there in the world,
Speaker 2: and then how do you bring it back to you?
Speaker 2: Like I've never I've never seen that before, you know,
Speaker 2: all the financial educators that I've seen, in the way
Speaker 2: that someone can teach modern economics in the way that
Speaker 2: it's personal. So yeah, I just screaming. I'm gonna calm
Speaker 2: down now, like when he's on, I'm not going to
Speaker 2: be normal. I'm going to be normal.
Speaker 1: Well, if you don't yet, go and follow Josh Breed's
Speaker 1: YouTube channel. It's the Minority Mindset and he will let
Speaker 1: him explain the meaning behind the minority mindset. May not
Speaker 1: be what you think, but it's one of my favorite
Speaker 1: things about his channel and really his point of view,
Speaker 1: which I'm really interested to talk about. And he and
Speaker 1: Tiffany have like everything in common, so I think we're
Speaker 1: like a little financial guru. Matchmaking is happening here, you know,
Speaker 1: not like that.
Speaker 3: Like no, likee like my friend, he's my friend brother.
Speaker 1: Yes, Josh Bred's going to talk about how he got
Speaker 1: his start in financial literacy education, and like anyone that
Speaker 1: we know in this business, it started with kind of
Speaker 1: a sad story, but he bounced back and now he
Speaker 1: is bringing his education to the masses, and we're going
Speaker 1: to talk with him next on the show. Before we
Speaker 1: do that, what about us tivity? These days?
Speaker 3: I don't even know. I'm like, who cares? And I'm
Speaker 3: just doing? What is going on? Honestly, I don't know.
Speaker 3: You know, I'm not gonna lie.
Speaker 2: I'm so distracted. I'm like, what's going with my life?
Speaker 2: I'm breathing, I ate, but yeah, I honestly.
Speaker 1: We're laboring on labor Day? What's wrong with us?
Speaker 3: I know it's okay though, that's fine, it's for a
Speaker 3: good cause. But what about you?
Speaker 2: What's going I can't even think of anything new in
Speaker 2: my life right now other than this, So what about you?
Speaker 1: I usually rely on you for all the excitement. My parents, well,
Speaker 1: my mom and my stepdad were in town all week long,
Speaker 1: and I feel like I barely saw them because of course,
Speaker 1: I was taking advantage of all that free childcare to
Speaker 1: do as much work as I possibly could, and part
Speaker 1: of that week I spent working on the show. You guys,
Speaker 1: we are so close. The brun Ambition merch Store is
Speaker 1: like ninety nine point nine percent ready to go. In fact,
Speaker 1: maybe by this week's episode there will be a place
Speaker 1: where you can finally get your Brown Ambition t shirts,
Speaker 1: okay and onesies. There may be a coffee mug, there
Speaker 1: may be a tote bag. We'll see. So I've been
Speaker 1: working on the virtual store, let's see. On top of
Speaker 1: booking today's esteemed guests, just saying I also booked a
Speaker 1: couple other guests. Tiffany, he asking you I did this
Speaker 1: month is going to be major. So we have Lynette
Speaker 1: Californi Cox rejoining.
Speaker 3: Our lib right.
Speaker 1: She's like the og guest of Brown Ambition, and I
Speaker 1: figured there was no better way to celebrate our upcoming
Speaker 1: five year anniversary than having one of our faves back
Speaker 1: on the show. But Lynette is going to talk about
Speaker 1: all about how she and her husband Earl. I don't
Speaker 1: know if you follow them on Facebook, but every other
Speaker 1: week she's like, we just buy our Batman property. Yes,
Speaker 1: they make six of you know, our six property.
Speaker 3: Yeah.
Speaker 1: So I'm like, Lynette, you have got to and she
Speaker 1: hasn't really, you know, been talking about their journey to
Speaker 1: real estate, you know, uh, entrepreneurship. So I'm really excited
Speaker 1: to have her, and We're going to focus all about
Speaker 1: because we do get these questions a lot from listeners.
Speaker 1: You know, what do you guys think about, you know,
Speaker 1: investing in real estate and having an income proper and
Speaker 1: how that all works. But Lynette is really doing it,
Speaker 1: So I'm excited to have her on. I think she's
Speaker 1: gonna be on in a couple of weeks. And then
Speaker 1: we also have doctor Emani. She's from a show called
Speaker 1: Married to Medicine, and she's going to be joining us
Speaker 1: to talk about mental health. As you guys know, like
Speaker 1: we're all we're just I mean, Tiffany and I are
Speaker 1: pretty transparent about, you know, what we do to cope
Speaker 1: with life, and therapy has been a big part of
Speaker 1: my life and I know right now in this in
Speaker 1: these crazy times, mental health is so important and doctor
Speaker 1: Emani is a black woman in mental health really helping
Speaker 1: to remove the stigma. And we're gonna have her on
Speaker 1: to talk about how we can all cope with the
Speaker 1: insanity of today's world a little bit better. So look
Speaker 1: out for an interview with doctor IMMANI coming up in
Speaker 1: September as well.
Speaker 3: Yeah, we're busy beavers.
Speaker 1: Busy beavers. I know, how do you feel about five years?
Speaker 3: Jessfree just messes me, he said, Hey, Tiffany, it's Jaspree.
Speaker 1: Okay, I'm done. You distracted. I can't even talk to
Speaker 1: you right now, all.
Speaker 3: Right, I'm just I'm gonna screenshot it so i can't
Speaker 3: ride cool.
Speaker 1: Dang now, I'm not to play it cool.
Speaker 3: You will, girl, It's always to me, I'm not playing
Speaker 3: it cool. I'm gonna fan out.
Speaker 2: Okay, No, but yes, are we do have a biogram
Speaker 2: or that was basically we're gonna.
Speaker 1: Talk basically the bio Did I not do No?
Speaker 3: No, you did get a job.
Speaker 1: I'm sorry.
Speaker 3: I'm just flustered.
Speaker 2: And for those of you who are like, oh my god,
Speaker 2: no there is I mean, just you know, I guess
Speaker 2: he's a good looking guy.
Speaker 3: It ain't about that.
Speaker 2: It's just to find somebody who's like a kindred spirit
Speaker 2: in financial education is not an easy thing. So yeah,
Speaker 2: that's what I'm just so geeked aback because it's like
Speaker 2: this is somebody who I really listen to and think, like, wow,
Speaker 2: I've learned so much because I'm to me, a good
Speaker 2: teacher is a better learner, a better student, and so
Speaker 2: like you know, through him, I've been able to just
Speaker 2: learn so much.
Speaker 3: So it just feels like, oh my god, my teacher's here.
Speaker 1: So I'm excited. Okay, well let's get to it. Let's
Speaker 1: take a quick break. Tiffany needs to get a glass
Speaker 1: of water, maybe like reapply her to yodorant. And I
Speaker 1: feel I can like feel this wedding. I'm alright, be
Speaker 1: right back with jaspered saying from the minority mindset.
Speaker 3: And we're back.
Speaker 2: So you guys heard my intro. Joss Breed has not
Speaker 2: heard my intro yet, so he's not properly embarrassed as
Speaker 2: he will be later. I am so excited, I mean
Speaker 2: because they don't ever hear me. I mean, I'm excitable easily,
Speaker 2: but they don't hear me. Gush about another financial educator.
Speaker 2: But I'm super geeked because to find some one who
Speaker 2: is it's excited about personal finance as I am. But
Speaker 2: also it's a really good educators. Brie, I used to
Speaker 2: be a school teacher for ten years before I started
Speaker 2: the Budgetnissa.
Speaker 4: Oh wow, that's amazing, and so just.
Speaker 2: Like listening to your your your your YouTube channel literally
Speaker 2: every morning.
Speaker 3: It's like one of the ways I start my day.
Speaker 4: I've gotten that's awesome.
Speaker 2: Like all my sisters listen, especially my sister Carol, so
Speaker 2: much so that my three year old niece Amelia is like, just.
Speaker 3: Free I get.
Speaker 4: Oh my god, that's awesome. Yeah.
Speaker 3: So I'm just really excited. You are awesome and amazing.
Speaker 2: And if you guys have not subscribed to his YouTube channel,
Speaker 2: we highly encourage it. It's minority mindset on YouTube. And yeah,
Speaker 2: let's get this party started.
Speaker 4: You are awesome. Thank you so much.
Speaker 1: Loved we're all having on the show. I think Tip
Speaker 1: and I have both been kind of fanning out or
Speaker 1: standing out for you for a while, and let me
Speaker 1: realize we both watch you, so we had to have
Speaker 1: you on. Just I want for people who don't know
Speaker 1: about the minority mindset and what that means, can you
Speaker 1: just quickly explain what you mean by the minority mindset
Speaker 1: and how it applies to your financial philosophy.
Speaker 5: Yeah, So, the minority mindset has nothing to do with
Speaker 5: the way you look, your ethnicity, or your skin color.
Speaker 5: It's the mindset of thinking differently than the majority of
Speaker 5: people when it comes to your money. So I say, like,
Speaker 5: the majority people have what I call like a consumer
Speaker 5: mindset spend spend spend. I try to teach and help
Speaker 5: people develop more of a minority investor mindset where it's
Speaker 5: more of, Okay, how do I use my money as
Speaker 5: a tool to kind of help build my wealth and
Speaker 5: start of making everybody around me rich?
Speaker 3: Now we love that. How did you get into teaching
Speaker 3: financial education?
Speaker 5: Like?
Speaker 1: How?
Speaker 2: Because I know you are an attorney by or by trade,
Speaker 2: and I love the fact that you're always like, you know,
Speaker 2: I'm an attorney, but I'm not your attorney.
Speaker 3: I'm like such an attorney thing to.
Speaker 2: Say, like, don't suit me, so your grandma? But yeah,
Speaker 2: so how are you still an actively practicing attorney?
Speaker 3: But yeah, how did you make that transition?
Speaker 1: So?
Speaker 5: Uh no, I do not actively practice in that sense.
Speaker 5: It was kind of so. I grew up in a
Speaker 5: very traditional Indian household. When I was growing up, I
Speaker 5: was told that I need to become a doctor. That
Speaker 5: was kind of like the only thing that I was taught,
Speaker 5: like from the day I was born. I was taught
Speaker 5: to study science and math so that way I can
Speaker 5: get into medical school and When I say that my
Speaker 5: parents were strict about me getting into medical school, I
Speaker 5: mean they were very, very, very strict. Like when I
Speaker 5: was in eighth grade, my parents got me a tutor,
Speaker 5: not to help me with my English class that I
Speaker 5: was struggling with, but to help me get into medical school.
Speaker 5: They got me an MCAT tutor, which is the thing
Speaker 5: that people take to get into medical school when they're
Speaker 5: finishing college. So my parents were very serious about me
Speaker 5: going into medicine. But I've always sort of had this
Speaker 5: like entrepreneurial mindset. When I was in high school, I
Speaker 5: started working at weddings. I used to play this Indian
Speaker 5: drum called the Old and I would play this at
Speaker 5: weddings and I got to know a lot of DJs.
Speaker 5: And then my junior and senior year in high school,
Speaker 5: I started actually hosting teen parties for kids in my
Speaker 5: high school. And this was kind of my first real
Speaker 5: exposure to entrepreneurship. And I went to college thinking that
Speaker 5: everybody goes to college to study, Like I thought, people
Speaker 5: would spend the Friday nights in the chemistry lab doing reactions.
Speaker 4: And doing things like this, and everybody was partying.
Speaker 5: Now I don't. I never drink. I was never really
Speaker 5: into partying. It was more just a business for me.
Speaker 5: But I needed something to do on Friday nights. So
Speaker 5: I took my high school kind of teen party business
Speaker 5: into college and I started this college party business. And
Speaker 5: that's when I really started developing this minority mindset because
Speaker 5: the majority of people were partying and blowing all their
Speaker 5: money at parties, and all of a sudden, now I
Speaker 5: was making pretty decent money in college without a degree,
Speaker 5: because I don't know that was possible. And that's when
Speaker 5: I started thinking, Wow, what happens when you think differently
Speaker 5: than the majority of people. So I never grew up
Speaker 5: learning about money. I never grew up learning about entrepreneurship.
Speaker 5: I never grew up learning about business. I actually had
Speaker 5: to do all of this kind of like in secret,
Speaker 5: because I don't want my parents to know that I
Speaker 5: was doing business right. I needed them to think that
Speaker 5: I was going to become a doctor. And so now
Speaker 5: I was starting to make money and I had money
Speaker 5: in the bank for the first time, and so I
Speaker 5: started reading books about investing, and that's when I started
Speaker 5: learning more about real estate investing, in stock market investing,
Speaker 5: and that's when I started learning all this stuff about
Speaker 5: money that I had never been exposed to before. So
Speaker 5: it was like this kind of like almost like mind
Speaker 5: shock because I don't even know this world of like
Speaker 5: money management and investing in passive income even existed.
Speaker 1: So are we we're not outing you to your parents
Speaker 1: right now? Or do they do they know who you are?
Speaker 1: Just free? Did they know? Do they know about the
Speaker 1: manumity mindset?
Speaker 4: They know?
Speaker 1: No?
Speaker 4: Yeah, it was how do they feel about it? Now?
Speaker 4: They love it? You know. Now It's like at first
Speaker 4: it was a big shock.
Speaker 5: It took my mom years to really get over that
Speaker 5: idea that her son wasn't going to become a doctor.
Speaker 5: But now they're like, wow, okay, so I guess this.
Speaker 5: This did work. So it took some time, but you know,
Speaker 5: it was one of those things where you know, my
Speaker 5: parents were never exposed to it either. You know that
Speaker 5: like most of us, I don't think we're ever exposed
Speaker 5: to financial education, money management and investing, so we don't
Speaker 5: know what that even means or that what that entails.
Speaker 1: Do you find that they come to you for advice? Now?
Speaker 1: Are you the family financial guru?
Speaker 3: Oh?
Speaker 4: Yeah, yeah, one hundred percent.
Speaker 5: So I'm help with my dad, because you know, all
Speaker 5: of a sudden, it's like, what is retirement, how do
Speaker 5: you plan for retirement?
Speaker 4: What is investing?
Speaker 5: So I've been helping my dad with all of that,
Speaker 5: and you know, it's it's funny how things have kind
Speaker 5: of come full circle because in the beginning, they're like,
Speaker 5: you know, don't worry about money. If you just get
Speaker 5: a good job, then nothing else matters. But now it's like, wait, no,
Speaker 5: it doesn't work like that. You have to understand your
Speaker 5: money if you want to be able to live a
Speaker 5: good life no matter what you do.
Speaker 3: No, and just I can totally relate.
Speaker 2: My parents were born and raised in Nigeria, and it
Speaker 2: was like you could be a doctor, a lawyer, a pharmacist.
Speaker 3: Everything else is a drug dealer.
Speaker 2: Yeah, so they were delighted when I became a school teacher,
Speaker 2: absolutely thrilled. They were just like, what you're dealing drugs now?
Speaker 2: So now they love the fact that I'm a budgetista.
Speaker 2: But it took many, many years and success for them
Speaker 2: to be okay with it.
Speaker 4: I get it, I get it.
Speaker 5: Yeah, It's just one of those things where you know,
Speaker 5: it's just it's not something we're used to. It's out
Speaker 5: of the ordinary, right, but it's so important, and I
Speaker 5: think a lot of people don't get that, Like, you
Speaker 5: can do whatever you want if you understand money. I mean,
Speaker 5: at that point, if you have the income and you
Speaker 5: have the resources to support it, then you know you
Speaker 5: have no no, nothing holding.
Speaker 1: You back, all right, and you wish so much that
Speaker 1: you had known it when you were younger. What are
Speaker 1: some of the Well I kind of know the answer
Speaker 1: this question already, and in fact, the party your story
Speaker 1: that I love the most is similar to Tiffany's story
Speaker 1: and how she started, which Tiffany talked about people again,
Speaker 1: of course, sort of your story and how you I
Speaker 1: don't know what you call a business scam? What happened
Speaker 1: to you earlier?
Speaker 2: Yeah, a scam? So a quote unquote air quotes. I
Speaker 2: know a friend of mine, but that's okay because he's
Speaker 2: in jail now.
Speaker 3: Hey, jail friend. Oh wow, So it was a scam.
Speaker 2: I was in my twenties, and that's back when you
Speaker 2: believe that when people look like they have money, they
Speaker 2: have money. And so I wanted. I was a preschool teacher.
Speaker 2: I was really good at saving, really good at budgeting.
Speaker 2: I saved like half my income every year and I
Speaker 2: bought a condo when I was twenty five. I was
Speaker 2: what I called financially perfect, right, so great credit score savings.
Speaker 2: But I honestly, my father was a cfo in an
Speaker 2: accountant of a small nonprofit, so I grew up with
Speaker 2: financial education, so I was just doing what he told
Speaker 2: me to do. I was not I didn't have any
Speaker 2: real knowledge. I was just like, well, what do I
Speaker 2: do next, you know, like the dutiful, you know, immigrant
Speaker 2: second first generation daughter, right right. And then one day
Speaker 2: I said, I'm going to take it into my own hands,
Speaker 2: and I reached out to a friend who I thought
Speaker 2: was wealthy, and he subsequently scanned me and it left
Speaker 2: me thirty five thousand dollars in credit card debt, in
Speaker 2: which I never had yes credit card debt before. I
Speaker 2: didn't even tell my parents until literally years later into
Speaker 2: my thirties.
Speaker 4: Wow.
Speaker 3: I was so like.
Speaker 2: Afraid, you know, and ashamed honestly, So yeah, that was
Speaker 2: what triggered. So as I was digging my way out
Speaker 2: other friends, it happened right before and really right during
Speaker 2: the two thousand and eight two thousand and nine with sessions.
Speaker 2: So it's like the worst luck. So I lost my job.
Speaker 2: I had the scam. Now I'm going to foreclosure. It
Speaker 2: was everything that could go wrong went wrong. But as
Speaker 2: I was fixing myself, I realized that there were other
Speaker 2: people that were struggling too. So the teacher in me
Speaker 2: was like, well, Tiffany, you teach why not just help
Speaker 2: your friends? And then they brought their friends and they
Speaker 2: brought their friends. So that was like the advent of
Speaker 2: the budgetista my business. And Mandy said, you experienced like
Speaker 2: a scam that kind of triggered your journey to financial education.
Speaker 5: Yeah, well, well, first off, that sucks. I you know,
Speaker 5: stories like that are always you know, it's great that
Speaker 5: you had that entrepreneurial mindset where it's just like, you know,
Speaker 5: what do I do about this? Instead of complaining about it,
Speaker 5: doing something about this, So props to you. That's that
Speaker 5: was amazing for me. It was actually very similar. I've
Speaker 5: always been that entrepreneur person too, and kind of didn't
Speaker 5: really have much guidance, never really had someone to talk
Speaker 5: to about entrepreneurship or money management or investing. And I
Speaker 5: had this sock business that I started and I was
Speaker 5: getting ready to launch it, and this marketing company came
Speaker 5: up to me. And they were like, hey, let us
Speaker 5: handle your marketing and we're going to get you all
Speaker 5: the sales, all this marketing, and we guarantee you're going
Speaker 5: to see all the success and if you don't, we
Speaker 5: will give you all your money back. So I was skeptical, naturally,
Speaker 5: but you know, this kind of money back guarantee was reassuring.
Speaker 5: So I was like, all right, you know what do
Speaker 5: I got to lose? So I handed these guys a
Speaker 5: lot of money. It wasn't thirty five thousand dollars, but
Speaker 5: it was a lot of money to me at the time.
Speaker 5: And the day after I sent them the money, I
Speaker 5: was in the gym and I remember this because I
Speaker 5: was I really like working out. I'm a big gym person,
Speaker 5: and so I started to kind of get this weird
Speaker 5: feeling in my stomach as I was doing the chest fly,
Speaker 5: and I was like, I don't know, something just doesn't
Speaker 5: feel right in me. So I called up the guy
Speaker 5: that I gave the money to, like twenty four hours later,
Speaker 5: and I was like, hey, man, I know that I
Speaker 5: said that you guys would do the marketing, but you know,
Speaker 5: let's just cancel it right now before you guys actually
Speaker 5: spend any money on advertising and marketing. I want to
Speaker 5: do a refund. I want to do it all myself.
Speaker 5: So let's just end it before you guys spend any
Speaker 5: money that way. You know, no hard feelings, let's just
Speaker 5: kind of move on. So he's like, all right, no problem.
Speaker 5: He puts me on hold, and I was getting really
Speaker 5: irritated because you know, I'm it's just like delaying my workout.
Speaker 5: This has taken a lot longer than expected because I'm
Speaker 5: I'm on hold for like a long time now, and
Speaker 5: eventually the phone just goes beep beep, beep be So
Speaker 5: I was like, yeah, something's wrong. So I called up
Speaker 5: the other two numbers that I had. Nobody picks up,
Speaker 5: Nobody emails me, no one responds to me. Everyone stops
Speaker 5: responding to every single message that I have. So I
Speaker 5: contact an attorney and I found out I was scammed.
Speaker 5: So I was like, all right, what do I do now?
Speaker 5: You know, I launched the business. We had an amazing launch.
Speaker 5: We did, like I forgot. There was like twenty one
Speaker 5: thousand dollars in the first month of pre sales of
Speaker 5: our SOCC business. But I still had that feeling, like,
Speaker 5: you know that sucks, Like there's a lot of honest
Speaker 5: entrepreneurs out there trying to do something, trying to understand
Speaker 5: kind of how to take care of themselves, but don't
Speaker 5: necessarily know everything, so you're more susceptible to scams and
Speaker 5: getting screwed over like this.
Speaker 4: So I was like, you know, what can I do?
Speaker 5: So I went on you Demi, and I put out
Speaker 5: this course on how to launch a business without getting
Speaker 5: screwed over, and I called it the Minority Mindset because
Speaker 5: at that time, I was like, you know, entrepreneurship is
Speaker 5: all about the minority mindset, is thinking different than the
Speaker 5: majority of people. And we had all this traction. We
Speaker 5: had all these students sign up for it and we're
Speaker 5: loving it. And they were like, hey, just breath. You
Speaker 5: should go on social media. And I was like, all right,
Speaker 5: and I don't know too much about digital marketing or
Speaker 5: anything at the time, So I created an Instagram page
Speaker 5: called Minority Mindset, where I just started posting quotes and
Speaker 5: kind of just random tips about money management and starting
Speaker 5: a business. And then I had a lot of comments
Speaker 5: and messages from people saying, hey, you should start a
Speaker 5: blog or you should start a podcast, and I was like,
Speaker 5: I can't start a blog. English is my second language.
Speaker 5: I suck at writing, so no, that's not going to happen. Podcasting.
Speaker 5: I don't even know what a podcast was, so I
Speaker 5: was like, yeah, I can't do that, but I do
Speaker 5: like YouTube, and I see a lot of people on YouTube.
Speaker 5: I like watching YouTube. Maybe I can make YouTube videos.
Speaker 5: I know how to talk, so I started making videos
Speaker 5: under the title Minority Mindset, where I just talked about
Speaker 5: things that I wish I knew when I was younger.
Speaker 5: So I talked about money management, talked about entrepreneurship, and
Speaker 5: slowly this started to grow, and you know, a year
Speaker 5: and a half or so, a couple of years later,
Speaker 5: we had grown to over one hundred thousand subscribers, and
Speaker 5: now all of a sudden, we were building a brand.
Speaker 5: And I don't even know that that's what I was doing.
Speaker 5: I was just this is something that I was doing
Speaker 5: as a hobby, just because I was so kind of
Speaker 5: hurt by the scam, and now this is what I do.
Speaker 3: That's yeah.
Speaker 1: At the time, I mean, how were you what was
Speaker 1: your source of income then? And then when did you realize, Okay,
Speaker 1: I can really sustain myself with the minority mindset.
Speaker 5: So when I started a minority mindset, when I was
Speaker 5: in law school. Actually, so I was in law school,
Speaker 5: I was doing the soccer business, and I was doing
Speaker 5: a lot of stuff in real estate, so I was
Speaker 5: a real estate investor. I used to do real estate
Speaker 5: whole stale, I think, and I was a real estate salesperson.
Speaker 5: So I was kind of doing a whole bunch of
Speaker 5: things at once. And the kind of fork I ran
Speaker 5: into was right around the one hundred thousand subscriber mark.
Speaker 5: With minority mindset, we weren't making a lot of money,
Speaker 5: but it was. It was kind of a weird situation
Speaker 5: because the SoC business I had was making decent money.
Speaker 5: It was making a we were we were, you know,
Speaker 5: a solid business. But the problem was it was a
Speaker 5: special kind of athletic sock that I had created, but
Speaker 5: our patent was denied. So I had to kind of decide, Okay,
Speaker 5: do I want to go the route of building a
Speaker 5: sock brand where you know, I love starting a business,
Speaker 5: but I'm not so passionate about socks. I really wanted
Speaker 5: to license the technology, but that wasn't really going to
Speaker 5: work because we didn't get approved for this patent. But
Speaker 5: minority mindset I had a real passion for. Like I
Speaker 5: loved teaching, I love money management, I loved talking about
Speaker 5: entrepreneurship and financial education. This is like something I really
Speaker 5: really enjoy doing because this is something I wish I
Speaker 5: knew when I was growing up, but we weren't making
Speaker 5: that much money. So I just I had to go
Speaker 5: all in with the minority mindset just because you know,
Speaker 5: I was like, this is something that I would love
Speaker 5: to do for the rest of my life. I don't
Speaker 5: really know what I was going to do with it,
Speaker 5: but that's the direction that I went. So, you know,
Speaker 5: I had luckily, I had real estate investments. I was
Speaker 5: doing real estate and and the SoC business was making
Speaker 5: money at the time. So then I kind of transferred
Speaker 5: over to minority mindset, not knowing what was going to happen.
Speaker 5: But I was also in law school, so I had
Speaker 5: very little expenses when I was starting off. And then
Speaker 5: it grew from there and now we are. We kind
Speaker 5: of transformed into a financial media company where we do
Speaker 5: financial news and financial education, and yeah, so that's how
Speaker 5: it kind of grew.
Speaker 1: I would so I can't get the socks. It's what you're.
Speaker 4: Saying yeah, we stopped selling the socks.
Speaker 2: Well, I'm curious as a business owner, I'm curious, like
Speaker 2: what are yours for the minority mindset, Like what are
Speaker 2: your streams of income? Like we're and then of the
Speaker 2: of your streams of income, what's bringing in the most.
Speaker 1: Yeah, we get real personal here. We shoulder and stuff.
Speaker 5: Absolutely so, so most of our income, I would eighty
Speaker 5: percent of our income comes from other brands and sponsors
Speaker 5: and advertisers. So what I mean by that is, so
Speaker 5: we have kind of a few different channels. We could
Speaker 5: say kind of two phases to our company. We have
Speaker 5: a financial news division and a financial education division.
Speaker 4: The news division is our daily financial.
Speaker 5: News that are where we just kind of come over
Speaker 5: what's going on in the financial news. The education side
Speaker 5: is a mix of our website and then social media
Speaker 5: and YouTube.
Speaker 4: So eighty percent.
Speaker 5: Of our revenue comes from our brand partners and sponsors.
Speaker 4: So these are companies that we work with.
Speaker 5: So we do a lot of education of how to
Speaker 5: use your money and also financial products. So we talk
Speaker 5: about things like mortgage refinancing, or we talk about stock brokerages,
Speaker 5: or we talk about life insurance, or we talk about
Speaker 5: credit cards. So we have partnerships with companies in all
Speaker 5: of these kind of services, and that's how we drive
Speaker 5: revenue from there.
Speaker 4: Then on the education side.
Speaker 5: We do have a couple of courses that we sell
Speaker 5: as well, but though that's kind of like something that's
Speaker 5: in the back burner, not really the back burner, but
Speaker 5: that's that's like a smaller part of our business.
Speaker 4: That's about twenty percent of our revenue.
Speaker 1: Okay, I feel like you and Tefany need to talk, yeah,
Speaker 1: because it's literally the Literature Academy is a major, and
Speaker 1: I feel like we need a minority mindset.
Speaker 2: It's the opposite for me, like our educational I have
Speaker 2: an online school that makes eighty percent of the income,
Speaker 2: and then my partnerships and affiliate marketing and things like
Speaker 2: that that's about twenty percent. But I made that kind
Speaker 2: of intentional because the Budgetista, which is my original brand,
Speaker 2: is I didn't want to. I didn't want it relies
Speaker 2: so heavily on me being me, which is cool, but
Speaker 2: I didn't. I was thinking, like ten twenty years from now,
Speaker 2: when I want to be like, you know, not the
Speaker 2: face of the business. Then what So I started an
Speaker 2: online school that you know that I use my budget
Speaker 2: aster brand to drive to my Liberature Academy and so
Speaker 2: that makes a good amount of mine. We just actually hit.
Speaker 2: We're we just hit this year, our first seven figure month. Also, yeah,
Speaker 2: it's crazy. I'm like, I used to be a preschool teacher.
Speaker 2: Now of course my parents are like.
Speaker 3: Yeah, doing so good. I'm so proud of you.
Speaker 2: I'm like, oh really, because five years ago you were.
Speaker 3: Like, wait, it is your job Odoci that's my African name.
Speaker 5: Yeah, yeah, we need to talk after the call.
Speaker 2: Yes, we do because I think that, Yeah, I mean,
Speaker 2: I think that what you guys are doing is amazing
Speaker 2: because what I don't understand is how many people do
Speaker 2: you have working for you? Because Jos, I'm honestly signed
Speaker 2: up for everything. I just like, I read all the newsletters.
Speaker 2: I was like, I can't believe he has this whole curriculum.
Speaker 2: I signed up for the investment class, which I have
Speaker 2: not taken. Well, I've done all, Like Jaspree, I'm a
Speaker 2: stand I'm.
Speaker 3: Holding it in. You have no idea. I'm like, this
Speaker 3: is me.
Speaker 1: Do you have the socks?
Speaker 3: No, that's the only thing I'm missing.
Speaker 5: I'll send you a parent might have a couple left
Speaker 5: over I'll send you one of the special edition ones.
Speaker 2: So I guess the question is, like, I know how
Speaker 2: much work it takes, and like what size is your team?
Speaker 2: Because the quality and the consistency of your content is unmatched.
Speaker 2: So yeah, I would love to know a little bit
Speaker 2: more about you, like your team and how does that work.
Speaker 5: Yeah, so we're actually hiring a lot right now, so
Speaker 5: we are we are about to be. We have we
Speaker 5: have a mix of kind of our remote people, we
Speaker 5: have some freelancers, and then we have our in office team.
Speaker 5: So total, I would say we're something close to thirty
Speaker 5: people something around there.
Speaker 4: So you know, it's some more people are mixed.
Speaker 5: So some more people are full time in the office,
Speaker 5: some more people are full time remote, so it's kind
Speaker 5: of a bread blend in that. I would say by
Speaker 5: the end of the year, we'll have about ten people
Speaker 5: in the office perfectly that are you know, always there.
Speaker 4: Then we have another.
Speaker 5: Twenty to twenty five people maybe thirty that are remote fully.
Speaker 1: Okay, it's interesting that you say that you know you're
Speaker 1: not a good writer, because my favorite apart from your YouTube,
Speaker 1: I love your newsletter in the mornings man, So how
Speaker 1: much of that is you.
Speaker 4: Uh so.
Speaker 5: I would help with kind of coming up with the
Speaker 5: content ideas. The writing is our awesome writers. I am
Speaker 5: not involved with the writing much at all.
Speaker 1: It's good to know your strength. That's okay.
Speaker 4: Yeah, you don't want to read my writing writing. You
Speaker 4: want to know what is going on?
Speaker 5: Is this got talking about the stock market or the
Speaker 5: real estate market? I have no idea what he's talking about.
Speaker 1: Well, you do such a great job, I mean talk,
Speaker 1: you know, just it's a real talent to be able
Speaker 1: to explain concepts without writing, like without taking time to
Speaker 1: think them through. I'm not that I'm saying your stuff
Speaker 1: isn't thought through, but you know what I mean, like
Speaker 1: to be able to vocalize these topics and make them truly,
Speaker 1: you know, accessible to people, because, like you said, a
Speaker 1: lot of people don't understand this. You have to approach it,
Speaker 1: you know, from from the from the ground floor.
Speaker 5: Yeah.
Speaker 1: But let's we talked a little bit about passive income.
Speaker 1: You know, you have your real estate business. A lot
Speaker 1: of people right now, this is this is tied together,
Speaker 1: I promise. I want to first talk about your favorite
Speaker 1: passive income strategies and then kind of talk about how
Speaker 1: people are kind of using the stock market to create
Speaker 1: some passive income, which may or may not be the
Speaker 1: best you know, idea for the majority of people. If
Speaker 1: you can go back to that, you know, my minority
Speaker 1: majority contradiction. But yeah, talk about passive income streams, what
Speaker 1: you sort of have, what has worked for you, and
Speaker 1: what you you know, think could work for others, and
Speaker 1: then you know how how you would talk to folks
Speaker 1: thinking about getting into the market these days.
Speaker 5: So, you know, I think the first thing is kind
Speaker 5: of defining what passive income is, because I think a
Speaker 5: lot of people have a misconception as to passive income, Like,
Speaker 5: for example, there's a lot of ads out there like,
Speaker 5: oh start this online store is completely passive, even though
Speaker 5: you have to manage it for five hours every single day.
Speaker 5: So I don't consider that passive income. When I think
Speaker 5: of passive income, I think of my real estate investments
Speaker 5: where I own a house or an apartment complex, I
Speaker 5: do the renovation, I get it fully rent ready, and
Speaker 5: then I hand over the keys to my property management company,
Speaker 5: and after that I let them take care of the
Speaker 5: entire property, all tenant management, all tenant relations, everything agency.
Speaker 5: And then I just kind of every month I look
Speaker 5: at our statements. So I look at you know, how
Speaker 5: much rent do we receive, what was the maintenance requests
Speaker 5: and everything kind of in between. That's what I call
Speaker 5: passive income. So for me, my favorite is real estate.
Speaker 5: I love real estate investing. That is kind of like
Speaker 5: my number one favorite place to invest. But you know,
Speaker 5: real estate investing is not for everybody. You need to
Speaker 5: understand how real estate investing works. It takes a learning
Speaker 5: curve and not everybody wants to go through that. You know,
Speaker 5: you have to kind of go through your bad tenants.
Speaker 5: You have to go through the bad properties. You know,
Speaker 5: I went through that myself, and it sucks. It's painful,
Speaker 5: it's not fun to lose money. And with real estate
Speaker 5: there's there's more capital involved. It's a lot harder to
Speaker 5: start real estate investing, especially owning physical real estate with
Speaker 5: one hundred dollars or a thousand dollars. You know, you
Speaker 5: need more capital and more time to get to that
Speaker 5: passive income point. So you need to spend that time
Speaker 5: at the beginning to get through real passive income. Now,
Speaker 5: if we're talking about a more passive passive income where
Speaker 5: you don't really have to do much work at all,
Speaker 5: then the stock market does have a lot of opportunities
Speaker 5: there through dividends and dividend paying stocks, but you have
Speaker 5: to be kind of aware of what type of returns
Speaker 5: you can expect because I think sometimes people think, oh, okay,
Speaker 5: if I invest one thousand dollars, I should be making
Speaker 5: one thousand dollars a year in a passive income. But
Speaker 5: it doesn't really work like that, right, Like, if you
Speaker 5: invest in the stock market, you should be expecting three
Speaker 5: to five percent a year on your capital investment. So
Speaker 5: that's you know, if you invest one hundred dollars at
Speaker 5: three to five dollars a year for your investment through
Speaker 5: your dividends, and there's a lot of easy ways to
Speaker 5: do that. You can completely automate this. So you just
Speaker 5: take whatever funds you have and every month or every
Speaker 5: week it automatically gets invested into you whatever stocks or
Speaker 5: ETFs or funds you want.
Speaker 4: And then when.
Speaker 5: You get the dividends, it is your choice now whether
Speaker 5: you want to reinvest them back into the stocks or
Speaker 5: ETFs that way you kind of compounding your investments, or
Speaker 5: do you want to pull it out and keep this
Speaker 5: money for yourself and you know, use it to improve
Speaker 5: your lifestyle. The thing about passive income, especially in the
Speaker 5: stock market like this, is it is a long term game.
Speaker 5: If you're getting three to five percent a year, you
Speaker 5: need to compound that money. You need to keep adding
Speaker 5: that money into your stocks and ETFs because what happens
Speaker 5: is in a good market, stock prices will go up,
Speaker 5: so you know your your stock value, your investment value,
Speaker 5: is going up. But at the same time, companies, if
Speaker 5: they're growing, they're going to increase the amount of dividend
Speaker 5: that they're paying. So right now you might only be
Speaker 5: getting a three percent dividend on your money, but in
Speaker 5: five or ten years, they might double themount of dividend
Speaker 5: that they're paying out. So what went from a three
Speaker 5: percent dividend is now a six percent dividend. So it
Speaker 5: really starts to grow in compound. And if you keep
Speaker 5: reinvesting that money, the amount of money you'd be making
Speaker 5: through this passive income and dividends keeps growing slowly, slowly, slowly.
Speaker 5: So it's like kind of like the snowball that a
Speaker 5: lot of people talk about. You're you got to build
Speaker 5: a snowball in at the beginning, it's really slow, it's
Speaker 5: really hard, But as you keep going and as you
Speaker 5: stick with it, it will get bigger.
Speaker 1: Can you explain for folks who may have just blanked
Speaker 1: out when you said the word dividend because they may
Speaker 1: not even know what a dividend is. I mean, it's
Speaker 1: just it's a piece of the profits that a company
Speaker 1: will give you for investing in their stock. Right, how
Speaker 1: would you break it down?
Speaker 4: Yeah?
Speaker 5: So I the the way I like to explain dividends
Speaker 5: is think about like a thank you check from companies.
Speaker 5: So some companies, let's talk about McDonald's. Some companies like
Speaker 5: McDonald's make a lot of money, and at the end
Speaker 5: of the year, they have a whole bunch of cash
Speaker 5: in their bank account. And there's three things that a
Speaker 5: company can do with it's extra cash. They can save
Speaker 5: it for emergencies. They can reinvest this money back into
Speaker 5: their company. Or they can give this away literally give
Speaker 5: it away to their owners and shareholders, investors people like
Speaker 5: you and me for owning their stock. So if you
Speaker 5: and you buy a share of McDonald's, McDonald's will literally
Speaker 5: send you a check. They'll send you a few dollars
Speaker 5: every single year just because you owned the McDonald's stock.
Speaker 5: You don't have to go on flip burgers or do anything.
Speaker 5: You're getting this cash just for owning that investment.
Speaker 2: I love that explanation. I just saw that in one
Speaker 2: of your videos that you explained that was like he's
Speaker 2: doing the video.
Speaker 3: I feel like I'm watching your YouTube video.
Speaker 4: Yeah, it's the same time safe.
Speaker 1: Yeah. I mean this past week has been I don't know,
Speaker 1: this past summer. I mean, I just feel like everyone
Speaker 1: at home through this COVID crisis is bizarre time they
Speaker 1: were at in our country right now, and it's good
Speaker 1: for people like us who are in the business of
Speaker 1: teaching financial education, because folks are really hungry for right now.
Speaker 1: But I'm worried because, like my friends and family who
Speaker 1: really haven't been into financial anything until you know, COVID
Speaker 1: kind of hit and they have all this free time.
Speaker 1: People are coming to me, like should I invest in herds?
Speaker 1: What do you think about the Tesla stock split? I mean,
Speaker 1: last week my husband puts listen, Okay, like I said,
Speaker 1: I like to I have some money that I play
Speaker 1: around with that I'm not afraid to lose. I just
Speaker 1: have a little bit set aside so I can I
Speaker 1: can just prove to myself, honestly, what a terrible stockpicker
Speaker 1: I am, which is what it's been like for the
Speaker 1: past five to ten years. I've been doing it. But anyway,
Speaker 1: so my husband's got a little bit of money and
Speaker 1: you know that he could invest and he chose to
Speaker 1: invest in some TESL stock last week after the stock split,
Speaker 1: and of course he bought when it was really high,
Speaker 1: and by the end of the week it had tanked
Speaker 1: and he's like, what's going on? You need to sell
Speaker 1: my Tesla stock. And I feel like he's not alone.
Speaker 1: So what's your take on where people's mindset is at
Speaker 1: with you know, stock market investing these days, And what
Speaker 1: would you say to people who were trying to get
Speaker 1: into the market now as like a word of caution.
Speaker 5: So I just recorded a video on this. It's going
Speaker 5: to go up very soon. But stock or market predicting
Speaker 5: is for losers. Nobody can predict what's going to happen
Speaker 5: in the stock market tomorrow or three months or you know,
Speaker 5: in this short term. It is impossible because there's so
Speaker 5: many things that can happen that influence the stock market,
Speaker 5: especially in the short term. You know, we could see
Speaker 5: something happened to the president, we could see something happened
Speaker 5: with this coronavirus. We can see the fed change to
Speaker 5: monetary poul See, there are so many factors that influence
Speaker 5: the stock market in the short term that creates this
Speaker 5: like emotionalness in the stock market, and that's what creates
Speaker 5: creates like this panic selling and euphoria buying. And as
Speaker 5: a smart financial planner and a smart money manager and investor,
Speaker 5: that is exactly what you want to avoid. You want
Speaker 5: to be investing for the long term. So I'm a
Speaker 5: big proponent of long term investing, looking at companies who
Speaker 5: are growing, who are innovating, and have a good value,
Speaker 5: and buying into these companies for the long term. If
Speaker 5: that is what you're doing, the stock price doesn't even
Speaker 5: matter that much. You just want to continually buy it,
Speaker 5: whether it's every week or every month, or you know,
Speaker 5: whatever your schedule is. You just want to keep buying
Speaker 5: these stocks or funds that you want to own for
Speaker 5: the long term.
Speaker 3: For the majority dollar cost averaging.
Speaker 2: No, I was just going to say, so that's I know,
Speaker 2: that's your big philosophy dollar cost averaging.
Speaker 5: Yeah, and if it comes down, if it crashes, buy more.
Speaker 5: It's like one of those things that if it's a
Speaker 5: company you really believe in, buy it, and if it crashes,
Speaker 5: use it as.
Speaker 4: An opportunity to buy more.
Speaker 5: And I think for the majority of people, stock picking
Speaker 5: is not even the game that you want to be
Speaker 5: playing for the majority of people.
Speaker 4: If you don't not plan to.
Speaker 5: Spend a lot of time studying companies, listening to earning statements.
Speaker 5: If that is not what you're interested in, look into
Speaker 5: index funds, look into the ETFs and index fund or ETFs.
Speaker 5: You could think of it kind of like a group
Speaker 5: of stocks of fund that invests in a bunch of companies.
Speaker 5: So if you just want to be involved in the
Speaker 5: stock market, there are funds that literally give you exposure
Speaker 5: to the top five hundred companies in the stock market.
Speaker 5: So now instead of if you're trying to go out
Speaker 5: and find the number one company, you can just invest
Speaker 5: in this fund that gives your exposure to the general
Speaker 5: stock market. So now, if the stock market goes up,
Speaker 5: your fund goes up. The stock market goes down, your
Speaker 5: fund goes down. But what we've seen again and again
Speaker 5: and again is that over the long run, the stock
Speaker 5: market and strong companies go up. And if you're not
Speaker 5: interested in doing all that research and trying to find
Speaker 5: the best companies just invest in one of these fun
Speaker 5: because now it's doing it for you.
Speaker 1: So so what you're saying is I'm right, and YE
Speaker 1: want to confirm that because I.
Speaker 3: Want to play in that SI.
Speaker 2: So my question is, so where do you go for
Speaker 2: financial education? You know the financial educator? It's like what
Speaker 2: does the doctor go when they're sick? So where do
Speaker 2: you go to learn when you're when you're learning when
Speaker 2: new things come out or something you don't understand? Like
Speaker 2: what are what are your go to platforms?
Speaker 5: There's a lot of great resources on the internet, like
Speaker 5: one of my go to sites if you're talking about
Speaker 5: the stock market, particularly like seeking Alpha is great, uh
Speaker 5: Financed Yahoo, just to like I love reading books and
Speaker 5: I love kind of just learning about companies. Like right
Speaker 5: now I'm reading one of Warren Buffet's biographies. It's very
Speaker 5: interesting just to kind of not necessarily just stock books,
Speaker 5: but learning kind of the way some of these great
Speaker 5: investors think and just learning from them and then really
Speaker 5: just studying a company. You know, there's every three months
Speaker 5: a company has to release a statement where they go
Speaker 5: over how much money they're making with the plan on doing,
Speaker 5: what their valuations? You know, what are they doing with
Speaker 5: their money? Where's all the cash going? And a lot
Speaker 5: of times, most of the times we skip over that
Speaker 5: because we read the headlines, Oh, Tesla made a lot
Speaker 5: of money or Tesla loss money. Right, that's all we see.
Speaker 5: But if you go into the actual earning statements and
Speaker 5: you read the transcript and you read the forms that
Speaker 5: these companies file, which you can do, they're more boring,
Speaker 5: but you can actually see what is going on with
Speaker 5: the company and what is their real revenue, what is
Speaker 5: their real income, what is their real loss, And then
Speaker 5: you can come up with your own calculations to see, Okay,
Speaker 5: this company is making a hundred million dollars actually based
Speaker 5: off of what I see, and they're being valued at
Speaker 5: ten billion dollars.
Speaker 4: Is this a good investment? Yes or no?
Speaker 5: And so it's kind of coming up with what do
Speaker 5: you think is a good value and what is it
Speaker 5: that you want to invest in?
Speaker 1: Over time, as you've developed your financial philosophy. The minority
Speaker 1: mindset as you say, I mean, you acknowledged that you
Speaker 1: didn't have a ton of education, and Tiffany's maybe in
Speaker 1: the minority because she had such a great financial coach
Speaker 1: in her dad. But even so, the Great Recession for
Speaker 1: Tiff and I both kind of had a We were
Speaker 1: both like in our own ways, a little afraid of
Speaker 1: going through what we went through our personal financial losses
Speaker 1: after the recession, And so I think safe to say
Speaker 1: Tif that we both held on to some cash. Yeah
Speaker 1: maybe beyond like yeah, maybe beyond like the six month mark.
Speaker 1: And I wanted to talk to you, like, what's your
Speaker 1: Have you had to overcome any mindsets that were maybe
Speaker 1: hurting you financially where you maybe a little conservative in
Speaker 1: the beginning, or have you always kind of you know,
Speaker 1: just learned and approached investing differently, Because for a lot
Speaker 1: of people, especially now, the majority will look at the
Speaker 1: stock market what happened back in the spring, you know,
Speaker 1: March and April and be like, oh shit, like get
Speaker 1: me out of here, this is crazy. Yeah, So to
Speaker 1: talk about that, if you don't mind.
Speaker 5: I think, yeah, the saving thing I I six months.
Speaker 5: I tell a lot of it was the goal, and
Speaker 5: I try to tell people to cap it. Like Indians
Speaker 5: tend to be super saviors to a lot of my
Speaker 5: friends are kind of fall under that boat. I know
Speaker 5: a lot of people that make a lot of money,
Speaker 5: and this save every penny that they can. So they're
Speaker 5: saving like seventy eighty percent of their income and they
Speaker 5: have three four five years worth of expenses saved in
Speaker 5: their bank account just sitting there. And this is way
Speaker 5: past the FDIC limit.
Speaker 4: So you know, I must be.
Speaker 2: Yeah, noymore, I'm better now. I have a financial planner.
Speaker 2: That's cheesy, is Indian shout out to any but yeah,
Speaker 2: I'm better now.
Speaker 3: But that was so me.
Speaker 5: Yeah, and you know it's it's better than blowing all
Speaker 5: that money, right. But what I try to tell people is,
Speaker 5: you know, you can do a lot better and take
Speaker 5: low risks if you you know, you once you learn
Speaker 5: about how investing works, you can kind of get a
Speaker 5: better feel of it. So I used to have a
Speaker 5: lot of money in the market, and I made a
Speaker 5: video on this earlier this year, like back in it
Speaker 5: was actually in February, where I talked about how I
Speaker 5: was selling a lot of stuff just because sometimes, you know.
Speaker 4: Things do feel like a low, little overheated.
Speaker 5: Now this is completely lucky, Like you know, I talked
Speaker 5: about this, This was like one hundred percent luck. I
Speaker 5: did not predict a crash or did not predict a pandemic.
Speaker 5: This was like completely luck. In February, I was like,
Speaker 5: you know, I've made a lot of money over the
Speaker 5: last few years in the stock market, so I'm selling
Speaker 5: right now because a lot of things are really high,
Speaker 5: evaluations are really high, and it's just a good time
Speaker 5: to take some money off the table.
Speaker 4: And that's okay.
Speaker 5: You know what I tell people, when it comes to
Speaker 5: saving and investing, your investment money doesn't always have to
Speaker 5: be invested, Like cash is an investment position as well.
Speaker 5: It's just knowing that this is money that you want
Speaker 5: to invest that you're you know, looking for an opportunity.
Speaker 5: I like real estate. I haven't bought real estate in
Speaker 5: a while because I'm waiting for an opportunity.
Speaker 4: So I have cash that I'm waiting to invest, and
Speaker 4: you know.
Speaker 5: It goes beyond my saving goals, but it's it's my
Speaker 5: investment money that I'm waiting to invest.
Speaker 4: So that's kind of like what I've developed over the years.
Speaker 5: And I think I used to be a lot riskier
Speaker 5: when I was younger, when I was first getting started,
Speaker 5: because at that point, I was like, Wow, what do
Speaker 5: I have to lose? So I'm just going all in
Speaker 5: everywhere I can, because for me, it was just like,
Speaker 5: you know what, this is my time to learn, this
Speaker 5: is my time to go all in with everything. Now,
Speaker 5: you know, I'm still willing to take risk, but I'm
Speaker 5: definitely a little bit more conservative and I do a
Speaker 5: lot more research now than I used to before. I
Speaker 5: was more of a doer before thinking at all. Now
Speaker 5: I'm still a doer, but I do spend a little
Speaker 5: bit more time thinking before I trying to make those moves.
Speaker 1: So you cleaned out your investments in February, lucky, and
Speaker 1: then what did you get back in once things started
Speaker 1: to go like what what did Yeah? What what did
Speaker 1: you do? Because I think there were folks who were
Speaker 1: it's that financial double dutch again, which is I don't
Speaker 1: know if you're familiar with double dutch. It's kind of fun.
Speaker 3: I know double Dutch. I don't know if you even watched.
Speaker 2: Like when girls jump into the road, they do this
Speaker 2: like bobbing back and forth, trying to figure out the
Speaker 2: perfect time to jump into you. You're literally rocking back
Speaker 2: and forth. So it's like, yeah, so it's a good
Speaker 2: analogy to getting into the market.
Speaker 4: So yeah, I did.
Speaker 5: I talked about this on YouTube that I do this
Speaker 5: kind of like drip investing, where I buy in phases. Now,
Speaker 5: I'm not the greatest stock market investor out there. One
Speaker 5: of our partners AKA, who does a lot of our
Speaker 5: stock market teaching, he is like, he taught me a
Speaker 5: lot about the stock market. I learned a lot from him.
Speaker 5: But I do what I call drip investing. So when
Speaker 5: the stock market falls, that's when I come in and buy,
Speaker 5: and I buy in phases. So every time it falls
Speaker 5: ten to fifteen percent, I buy. If it falls more,
Speaker 5: I buy more, and so I kind of just buy
Speaker 5: those phases. So when it was falling, I was just
Speaker 5: buying the whole way down, and then I did sell
Speaker 5: a little bit a few months later because the stock
Speaker 5: market recovered so fast that it was like, this is
Speaker 5: kind of crazy, how fast the stock market is recovering. So,
Speaker 5: you know, that's kind of what I've been doing with
Speaker 5: in terms of the stock market. I still haven't really
Speaker 5: bought much real estate or at all. I'm just trying
Speaker 5: to figure out what's going on in the real estate market.
Speaker 1: Where are you buying real estate? I don't even know
Speaker 1: where you're based. I'm in Michigan, Michigan Okay, so that's
Speaker 1: and do you have are you investing in real estate
Speaker 1: close by so you kind of know the area?
Speaker 5: Yeah, yeah, a lot of it is in the state.
Speaker 5: So just trying to wait on opportunities. I mean, I'm
Speaker 5: a big value ad investor. I love finding distressed real estate,
Speaker 5: whether it's financially distressed or physically distressed, but just waiting
Speaker 5: on a deal.
Speaker 1: That's to a fixer rupper basically, yeah, I love fixer rubbers.
Speaker 2: I'm working on my first fixture upper right now, so
Speaker 2: I'm excited to see.
Speaker 4: Like what, Oh, that's awesome, muse.
Speaker 2: I was like, you know what, I feel like my
Speaker 2: first kind of jount into investing was really investing by
Speaker 2: growing up business because I was scared of investing traditionally
Speaker 2: since I had that scam. And then I got my
Speaker 2: financial planner and she really helped to like pry open
Speaker 2: my cold dead hands.
Speaker 3: Around my money.
Speaker 2: So because I had enough, I had so much save
Speaker 2: that the house I'm living in now, I paid for
Speaker 2: it in cash and renovated in cash, and paid off
Speaker 2: my parents' house in cash, and paid off my student
Speaker 2: loans in cash. And but there was but not really
Speaker 2: because she was like Tiffany, you have enough last your lifetime.
Speaker 2: You need to invest some of this money. So you know,
Speaker 2: I did that. But then so the real estate property
Speaker 2: that I bought, it's a tax deed from the city
Speaker 2: where I live in New Jersey, and so it was
Speaker 2: ten thousand dollars, which is awesome, and it needed.
Speaker 3: About one hundred and fifty thousand dollars worth of work.
Speaker 2: But the homes around their goal for about two twenty
Speaker 2: five and they're building a new train station that goes
Speaker 2: directly to New York City, like around the corner. Yeah,
Speaker 2: so I'm like, yeah, I cannot wait to see this,
Speaker 2: to see We're looking now, I'm stacking money to look
Speaker 2: same as you, to see if there's like another opportunity
Speaker 2: to purchase something. Because my angelie, my financial planner, said,
Speaker 2: you've already you know, you've hit your goal for the
Speaker 2: year as far as setting aside for retirement and just
Speaker 2: investing for wealth with her, and so now she just
Speaker 2: suggested that we start to for the rest of the
Speaker 2: year put the rest away to purchase real estate when
Speaker 2: we felt the time was right. So that's what my
Speaker 2: husband and I are doing now. But yeah, did you
Speaker 2: have I mean, I never would have thought I would
Speaker 2: have had a financial planner, So I guess that's my question.
Speaker 2: Do you have someone? I mean, I know you have Ak.
Speaker 2: I love him too because I watch his channel. He's
Speaker 2: a little wilder than you, but he's still funny.
Speaker 5: Yeah, he's really smart.
Speaker 4: He's like edgy, but he's really smart.
Speaker 3: So is that your go to?
Speaker 2: Or do you have like a formal because I know
Speaker 2: Mandy has someone her name is Helen, that kind of
Speaker 2: guides her through the things that she doesn't know. Do
Speaker 2: you have like a go to aside from him, that
Speaker 2: guide you through the things that you don't know financially.
Speaker 4: In different areas.
Speaker 5: Yes, So not like one kind of go to financial
Speaker 5: planner in that sense, But you know, people I have
Speaker 5: like Ak is who I go to In the stock market.
Speaker 5: I have a few friends who are I mean absolutely
Speaker 5: killing it.
Speaker 4: In real estate.
Speaker 5: I have a couple of people, not many in the
Speaker 5: entrepreneur business space that I talked to, but mainly in
Speaker 5: the real estate and stock market space. Do I have
Speaker 5: people that kind of bounced ideas off of and talked
Speaker 5: to about what's going on And a couple of brokers
Speaker 5: in the area that are really really active in the
Speaker 5: real estate market.
Speaker 1: What do you have So you mentioned investing on the
Speaker 1: side so that you can use that money to purchase
Speaker 1: potentially income properties. What's your investing strategy when it comes
Speaker 1: to saving for real estate because if you're looking for opportunities,
Speaker 1: you know, you don't know when this will pop up,
Speaker 1: so you need to be liquid enough. So I'm curious.
Speaker 5: So kind of like what I was saying before, right,
Speaker 5: I have my savings cash, which is just savings, and
Speaker 5: then I have my investment money, which not all that
Speaker 5: money is always invested. Cash is a position, and so
Speaker 5: I have cash that I have waiting to invest. So
Speaker 5: that's that's kind of my real estate that I'm waiting
Speaker 5: to buy real estate that's just kind of sitting there. Yeah,
Speaker 5: it's not growing right now, it's losing value to inflation.
Speaker 5: But this is money that I'm kind of you know,
Speaker 5: I have ready because when if real estate prices come down,
Speaker 5: I want to be there and I want to be
Speaker 5: the ones that's ready to buy without any questions.
Speaker 1: Yeah, we can't all be, sister Carol. But did she buy?
Speaker 1: She bought like fifteen her dollars worth of and paid so.
Speaker 2: Yeah, she she actually like she loves investing in the
Speaker 2: market and she can pick them, so she's an engineer
Speaker 2: by trade.
Speaker 3: Told her my parents were happy with her.
Speaker 2: But she she told me about Tesla years ago and
Speaker 2: she brought it when it was thirty dollars a share.
Speaker 4: Wow, she was like, you should, you should.
Speaker 2: This is a company called Tesla, and I was like yeah, nah,
Speaker 2: and then like and then the next year Thanksgiving, she
Speaker 2: was like, it's gone up. It's like a hundred dollars
Speaker 2: a share or whatever it was. And I was still like, no,
Speaker 2: not interested. So at the time she brought like fifteen
Speaker 2: hundred dollars worth and yeah, so she ended up like
Speaker 2: selling it though I forget whatever it was. But she
Speaker 2: ended up selling it to pay for her wedding and
Speaker 2: she put in fifteen hundred and got out thirty thousand dollars.
Speaker 4: So wow, that's an amazing return.
Speaker 2: Yes, and so but now I listened to her because
Speaker 2: she told me about Shopify, for example, when it was
Speaker 2: like I think it was iping, and she was like,
Speaker 2: I think it's a good stock.
Speaker 3: I've been doing my research.
Speaker 2: And I was like, okay, I bought Shopify at how
Speaker 2: much did I buy it for? I think one hundred
Speaker 2: and forty dollars a share. It's over a thousand dollars
Speaker 2: right now. But wow, my stingy self bought three share
Speaker 2: something like ah dang.
Speaker 3: Said a lot more. But yeah.
Speaker 2: So she's kind of like my my ak because she
Speaker 2: will do the research and she she loves like stocks.
Speaker 2: But I just, you know, I just don't have the
Speaker 2: capacity or really the interest in doing all the research.
Speaker 2: So I'm mostly like an index mutual fun person, unless
Speaker 2: you know, she's like, there's a stock. I've been doing
Speaker 2: this research for the last three years. I really like them.
Speaker 2: And then we for once all listen. But I have
Speaker 2: like a random question for you. Do you get like
Speaker 2: spotted in the streets, like I.
Speaker 5: Hat you're just great?
Speaker 4: A few times here and there.
Speaker 5: Not so much now during COVID, but uh, every once
Speaker 5: in a while it would.
Speaker 4: It was funny. I never thought of myself kind of
Speaker 4: as a celebrity.
Speaker 5: I still don't, which is like, but it's so so
Speaker 5: weird when like I'll be like going somewhere with my
Speaker 5: family or my friends and somebody will kind of just
Speaker 5: come up to you and.
Speaker 4: Be like, hey, are you just freak? And I'm like yeah,
Speaker 4: It's like it's funny.
Speaker 5: It's amazing because I love connecting with people, you know,
Speaker 5: our own fans and audience. It's just like, I just
Speaker 5: never ever thought of myself. I still don't think of
Speaker 5: myself as kind of like a celebrity in any way,
Speaker 5: you know. So it's just like I'm just like, look, man,
Speaker 5: I'm just like you man, it's you know what I mean.
Speaker 3: Yeah, that's awesome.
Speaker 1: Just with like one hundred million more people, they're gonna.
Speaker 2: Be watching it even more now. I'm telling you, like
Speaker 2: we have been singing your praises.
Speaker 4: I appreciate that you are also now.
Speaker 2: When Mandy said that we have Jess breedon, I was like,
Speaker 2: are you are you toying with me?
Speaker 4: Oh my god.
Speaker 1: And then when I told my sister, I mean humble Brake,
Speaker 1: I just emailed him and he like emails.
Speaker 3: When I told Carol, my my my stock trading sister,
Speaker 3: she was like, no way, no way, no way. I
Speaker 3: was like, I know, you know, I'm telling you now.
Speaker 2: Even like I said, my three year old niece Amelia
Speaker 2: was like, Jess break I'm.
Speaker 3: Like, yes, a million.
Speaker 4: So you guys are so sweet now.
Speaker 2: But honestly, you just like I said, it's to me,
Speaker 2: there needs to be more representation in financial education, and
Speaker 2: so it was just good to.
Speaker 3: See someone who looked different.
Speaker 2: I think it's important for people to see themselves and
Speaker 2: the people that they're learning from. And so I just honestly,
Speaker 2: I don't know how for so long because Mandy and
Speaker 2: I are part of like this like kind of like
Speaker 2: brown coalition of financial like educators, and.
Speaker 3: I'm like, how do we not know about Joss Free
Speaker 3: until recently? Because I make it my business?
Speaker 2: Yes, because I think, like I said, I think I
Speaker 2: think representation is important because what it's I think traditionally
Speaker 2: in financial education, black and brown communities are left out
Speaker 2: of the financial conversation and it's mostly pushed like savings
Speaker 2: and budgeting, which is good, you know, but sometimes this
Speaker 2: next level financial education we don't really get access to.
Speaker 2: So I think it's important that you know that people
Speaker 2: who look different, people who sound different, people who have
Speaker 2: different names, Like but I don't even use my African
Speaker 2: name because no one can say it properly, and so
Speaker 2: I'm just calling Tiffany it's Adochi, which.
Speaker 4: Is not that hard adote like that's awesome, and so.
Speaker 2: But yeah, I think that it's so representation in this
Speaker 2: space is so important because it means that everyone gets
Speaker 2: to learn, everyone gets to have a say, and and
Speaker 2: everyone gets to like to reach and being powered.
Speaker 3: So no, we just really thank you.
Speaker 5: No, thank you guys for having Thank you too for
Speaker 5: having me that it was. This is an amazing call
Speaker 5: and I love what you two are doing. This is
Speaker 5: a much needed financial education is so needed, especially.
Speaker 4: Now more than ever.
Speaker 5: I mean, our whole kind of society, our whole education
Speaker 5: system is good. But at the end of the day,
Speaker 5: if you do not know how to manage and master
Speaker 5: your money, doesn't matter what you do. You know, if
Speaker 5: you can have the best job in the world, but
Speaker 5: if you're struggling to pay your bills, you are it's
Speaker 5: just not you know, you're not fully there.
Speaker 1: Yeah, well, just Breed, thank you so much for coming
Speaker 1: on b a minority Minds at the Minority Minds at
Speaker 1: dot com folks find him on YouTube. Subscribe right now
Speaker 1: and you also have a great insta. Yes, is that
Speaker 1: the minority mindset too?
Speaker 4: It is in this minority mindset.
Speaker 1: Yeah, and real quick for our final question, if I
Speaker 1: can just call it the final question. I don't know
Speaker 1: Tiffany might want to talk to you for like, no, no, no, no,
Speaker 1: few hours because I've done enough.
Speaker 3: I've done enough, but.
Speaker 1: I have You know, we talk about success and investing
Speaker 1: in all these things, but you know, what's your long
Speaker 1: what's your happy like? What's your picture of yourself in
Speaker 1: the future twenty thirty years on the line, What is
Speaker 1: just bret and retirement look like? And what are you
Speaker 1: working toward?
Speaker 4: Uh? Well, continuing working in this financial space. I love.
Speaker 5: I love the financial space, but also I'm really interested
Speaker 5: in the venture capital space.
Speaker 4: I love working with entrepreneurs.
Speaker 5: So maybe something kind of a blend between the two,
Speaker 5: working with entrepreneurs, helping fund entrepreneurs fuel their dreams and
Speaker 5: kind of working with them too, So something in that space.
Speaker 1: I love that. Okay, so one day we'll get those socks,
Speaker 1: but maybe someone will. Yes, exactly, it's your VC funding,
Speaker 1: all right, Jeffree, thank you so so much. Y'all go
Speaker 1: follow just free the minority mindset.
Speaker 4: Thank you so much.
Speaker 3: Mandra I had need a call drink.
Speaker 1: How you got that speed stick somewhere nearby?
Speaker 3: Honestly, yeah, this is yes, I do.
Speaker 2: He's just like, like I said, to find somebody who
Speaker 2: it's like I feel like Jeff Brie is like the
Speaker 2: budgete Stowe.
Speaker 1: Yeah, the budgete Sto.
Speaker 3: Oh that's funny.
Speaker 1: Yes, I mean, and it's you know, the fact that
Speaker 1: he focuses on the mindset is great because I feel
Speaker 1: like we talked about that a lot. Just how you know,
Speaker 1: what's holding us back is really the knowledge, access to
Speaker 1: the knowledge, and then understanding how to you know, move
Speaker 1: forward with that knowledge in mind and not let your
Speaker 1: emotions kind of get in the way. But yeah, I
Speaker 1: love him. You guys got to check out just Bread
Speaker 1: the minority mindset, and I feel like, look out for
Speaker 1: Tiffany and just Breed's co authored book coming forthcoming. I
Speaker 1: don't know, I feel like.
Speaker 2: A party, we can to do something, even if it's
Speaker 2: just a live or something, because I just feel like
Speaker 2: that Dreamcatchers need to get to know Jasper.
Speaker 1: I feel like, dare I say they will, but I'm
Speaker 1: right to round out the show. Do you want to
Speaker 1: do a quick brown boost, brown break?
Speaker 3: Well, I'm not gonna lie. I am not prepared.
Speaker 2: Well you know what, No, I do want to do
Speaker 2: a brown unfortunately, a brown break.
Speaker 3: I hate to bring bring down the good times, but.
Speaker 1: Bring us down, bring us up, don't worry.
Speaker 3: No, good because I.
Speaker 2: Was on the IG and someone had posted I'm like,
Speaker 2: is this real life where our current administration has He's
Speaker 2: banned federal agencies from conducting racial sensitivity related to white
Speaker 2: privilege and criminal race theory that he feels that it's
Speaker 2: divisive and anti American propaganda. Can you imagine? And I
Speaker 2: just I was like, we are living in like really
Speaker 2: scary times. And when I saw that, I was like,
Speaker 2: oh my god. And so I'm just telling people like, honestly,
Speaker 2: please do not take your vote for granted. We need
Speaker 2: you to vote. We need you to submit your you know,
Speaker 2: your your your ballad via mail or go and line
Speaker 2: up to vote. I mean, I just we can't live
Speaker 2: like this and don't just vote. Consider becoming a poll worker.
Speaker 2: It's extremely easy and the I just signed up. I
Speaker 2: sent them like an email every day like please, I
Speaker 2: want to be a pollworker.
Speaker 1: In New York. You submit an email to you know,
Speaker 1: your local Board of Elections or whatnot, and it's all
Speaker 1: you do is like one short training I feel like
Speaker 1: maybe an in person or virtual training, and you actually
Speaker 1: get paid for it. I don't know how much it
Speaker 1: is everywhere, but in New York it's three hundred and
Speaker 1: fifty dollars for the day. I was a little bit
Speaker 1: gutted though, because I actually can't do it. And here's why.
Speaker 1: They require you to stand up and work from five
Speaker 1: am until after the polls close, which here in New
Speaker 1: York is nine pm. Excuse me, Like, where's do I
Speaker 1: bring the baby and just feed him?
Speaker 3: Like at the pole's what's happening?
Speaker 1: It's impossible for me, so and I understand, but I
Speaker 1: really was desperate to work as a poll worker because
Speaker 1: there's a shortage because with COVID, you know, because of
Speaker 1: the hours. And now I understand this, a lot of
Speaker 1: the people who are poll workers are older and they
Speaker 1: are not coming out in droves like they usually do
Speaker 1: because they're afraid of catching COVID. Who can blame them,
Speaker 1: But that just means we need people to work as
Speaker 1: poll workers. So if you're available and if you can
Speaker 1: work those hours. Maybe it's not that way everywhere, but
Speaker 1: I was genuinely shocked, and I even emailed her back,
Speaker 1: say five am to nine to win. No, they don't letch.
Speaker 1: They wouldn't let me do like a short shift or whatever.
Speaker 1: So I'm super bummed that I can't be a poll worker.
Speaker 1: But if you can show up, and here's why it matters.
Speaker 1: This summer, when we were it was a primaries here
Speaker 1: in our in our area, the line for the polls
Speaker 1: was insane. My husband went out there for four or
Speaker 1: five hours standing and that's because due to the shortage
Speaker 1: of poll workers, they have decreased the number of polling locations,
Speaker 1: so we went from like sixty places to vote to five.
Speaker 1: And that means people are like, if people have to
Speaker 1: wait in that long line, if they have babies at home,
Speaker 1: like I did, I had to go home to my child.
Speaker 1: I didn't vote in the primary. I don't want that
Speaker 1: to happen. So if you can show up, volunteer work
Speaker 1: as a pollwork or whatever you can and help make
Speaker 1: sure people are able to cast their vote. And if
Speaker 1: you if you can't do that, at least tell people
Speaker 1: that they can vote early and help them, you know,
Speaker 1: figure all that out. Just google your state vote early
Speaker 1: and figure out how to request about it.
Speaker 3: Exactly, exactly exactly.
Speaker 2: I haven't done that in a while. Shout out to Maguell,
Speaker 2: my husband, my sister's husband. Yeah, no, I think that
Speaker 2: hot child. I mean, I'm not gonna lie. There's a
Speaker 2: lot of stress bubbling, but I am hopeful that we
Speaker 2: will pull through and we will be okay.
Speaker 3: Just gotta knat it.
Speaker 1: Till a third of November, y'all. Exactly. I mean we
Speaker 1: had death freed on, so I mean I think we
Speaker 1: can make it happy regardless of what happened. You know,
Speaker 1: folks like just free give me hope for the future. Yes,
Speaker 1: you know, but but but still can we vote though?
Speaker 1: Can we get this Will out of office? That'll be nice?
Speaker 3: Exactly?
Speaker 1: All right, Well, I'll do my brown boost, well one
Speaker 1: big brown boost to anyone who's working the polls this year,
Speaker 1: but also brown boost prom boost to Tia and Mary
Speaker 1: to Marrow Mawori. Can we just talk about Sister Sister
Speaker 1: for one second, which is on Netflix? Please enjoy it.
Speaker 1: That show is still so good, like twenty something years later.
Speaker 1: I can't believe how hilarious. Come on, go home. Oh man,
Speaker 1: I just am so so good. The writing is so
Speaker 1: on point. Jackie Jackie, Yes, Harry, yep, Harry, and then
Speaker 1: Tim Reid and then Marquise Houston or Marquez. I don't
Speaker 1: know how you say his name, but whatever, I'm.
Speaker 3: Well Marcus, super simple, Marcus.
Speaker 1: It's not Marcis.
Speaker 3: I know that's it's very brownish, but it's all hilarious.
Speaker 1: There's so funny, and this is the show. I'm just like, man,
Speaker 1: I miss black TV. I'm glad that shows like this.
Speaker 1: I feels like it feels like Netflix is going out
Speaker 1: of its way to put more black you know, black
Speaker 1: lead shows on their on their platform, which is you know,
Speaker 1: why didn't I till now? But whatever, they're doing it now.
Speaker 1: So I just if you haven't, if you want to
Speaker 1: go back to your to your youth, go watch sister, sister.
Speaker 1: I promise you will not regret it. It's still larious
Speaker 1: and it's Alice. You'll Milda, sister sister, I never knew
Speaker 1: how much I missed you. I'm trying to wait till
Speaker 1: they're college, till they go to college, because that's when
Speaker 1: they did the new theme song and it was like
Speaker 1: sexy and grown up and stuff. Yeah, I know, my
Speaker 1: own time, on my own time, all right, I gotta go.
Speaker 1: I really am okay a great.
Speaker 3: So what episode number is this?
Speaker 1: This is well, okay, this is two thirty three, y'all.
Speaker 1: Two thirty three okay, which is insane. We've done over
Speaker 1: two hundred shows that's crazy. All right, y'all, we'll catch
Speaker 1: us next week. Enjoy your interview with Jess Breet. Let
Speaker 1: us know how you feel about it. Leave us a
Speaker 1: comment on iTunes, leave us a review, Hit us up
Speaker 1: on Instagram. We're at The Brown Ambition Podcast on Instagram,
Speaker 1: or you can email us at wait what what's our email?
Speaker 1: At the BA podcast at gmail dot com.
Speaker 2: Yes, so he can tag me and like directly at
Speaker 2: the budget, e Steve, You're like, girl, you was fanning out.
Speaker 3: I'm okay with it, Superman, I'm okay with it.
Speaker 1: He was fine with it. Who doesn't want to be
Speaker 1: fond over by your budget? Nesta attatatatatastasattattattattat