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Speaker 1: All right, we're live. Yeah, all right, so well let's start.

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Speaker 2: Yeah, let's and we're back.

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Speaker 3: We're back, We're back, We're back around, ambitions back in effect.

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Speaker 1: So real quick, somebody tweeted me.

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Speaker 3: Somebody was like, Tiffany, somebody tricked me into going to

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Speaker 3: one of those MLM parties. It's the same day that

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Speaker 3: I listened to the podcast and and you know has

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Speaker 3: heard that you took a brown break from it.

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Speaker 1: Yikes, And I was rolling.

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Speaker 2: It's always a friend too, you know, because who else

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Speaker 2: can convince you.

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Speaker 3: Exactly like, oh, come to this, you know, come to

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Speaker 3: my We're totally having drinks.

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Speaker 2: Gotcha, that's the party. Yeah, I might have some might

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Speaker 2: have some makeup. I'm selling some tupperware, you know whatever.

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Speaker 2: It's too funny.

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Speaker 1: Yeah, it is le.

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Speaker 2: You know who tweeted me today? Oh he tweeted the

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Speaker 2: general Twitter population. But Soldia Boy tell him?

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Speaker 1: Okay.

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Speaker 2: Soldier Boy apparently wants to learn how to invest in

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Speaker 2: the stock market. So where else does he go for

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Speaker 2: advice but Twitter? Of course, anytime I want to learn

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Speaker 2: a new financial system, I definitely crowdsource from Twitter. So

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Speaker 2: I noticed all my friends who are personal finance journalists

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Speaker 2: were all of a sudden tweeting at Soldier Boy, and

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Speaker 2: I'm like, what is happening. So around like around like

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Speaker 2: nine am this morning, he's like, so, I'm gonna find

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Speaker 2: the exact tweet me. See, so he tweets a lot,

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Speaker 2: he does. Yeah, take me all the way down his

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Speaker 2: Twitter feed just to find what he tweeted this morning.

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Speaker 2: Soda Boy is like one of those I feel like

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Speaker 2: he's mentioned wanting to be better about his money recently,

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Speaker 2: but I mean I feel like most rappers all you

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Speaker 2: see is like pictures of him with like big old

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Speaker 2: diamond and gold rings and like chains and stuff.

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Speaker 3: Every rapper could learn a thing or two from the

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Speaker 3: rappers that have totally gone broke.

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Speaker 2: I'm saying, right right, Oh, so he's this is his

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Speaker 2: first tweet. Anybody that knows more about the stock market,

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Speaker 2: tweet me. I will follow you back. I'm studying it

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Speaker 2: right now and need some tips. Thanks. It's just crazy

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Speaker 2: to see Soldier Boy retweeting Investopedia, which is like my bible.

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Speaker 2: He's retweeting Investipedia, he's retreating, retweeting the SEC, he's retweeting

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Speaker 2: market Watch, the Journal, and I tweeted at him because

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Speaker 2: actually today's guest Eric Patrick aka hip Hop stock Doc,

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Speaker 2: had written a story for me at Magnify Money five

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Speaker 2: easy tips to buy your first stock, and so I

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Speaker 2: was like, hey, so boy, but got you covered? And

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Speaker 2: I included a link and tagged Magnify Money and he

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Speaker 2: was like retweeted and say thanks, I'm reading right now

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Speaker 2: at least that.

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Speaker 1: Yeah, ah, look at you. You've got to be on

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Speaker 1: what is that Love and hip Hop? Hollywood? Or no?

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Speaker 1: Is are they Hollywood?

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Speaker 2: Look at.

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Speaker 3: I think so he's on one of the those like,

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Speaker 3: you know, ratchet TV shows.

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Speaker 2: See now, everybody who listens to brand Ambition knows that

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Speaker 2: I don't actually watch any of those love and hip

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Speaker 2: I watch. I watch reality TV. Don't get me wrong,

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Speaker 2: but it is not the cool stuff. It's like TLC

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Speaker 2: six hundred pound Life, Toddler's and Tierras and a lot

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Speaker 2: of cooking cupcake wars. I'm down with that, yeah, But

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Speaker 2: love and hip hop m.

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Speaker 3: Only what I'm feeling, particularly like if I'm like super overwhelmed,

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Speaker 3: like I'm just like I just need like a brain melt.

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Speaker 1: Down, you know what I mean?

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Speaker 2: Of course?

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Speaker 3: Yeah, So when I get like that that, I'm like,

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Speaker 3: you know what, Nothing's gonna soothe my soul like love

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Speaker 3: and hip.

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Speaker 2: Hop or six hundred Pound Life.

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Speaker 3: Or Basketball Lives or something, and usually like after a

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Speaker 3: half an episode, I'm like, oh God, okay, okay, my

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Speaker 3: soul is like I need you to come on back

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Speaker 3: into the room.

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Speaker 1: Wait.

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Speaker 2: I just want to say to Soldier Boy. I mean,

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Speaker 2: he was very humble and he was like retweeting everybody.

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Speaker 2: He's like, I want to say thank you for this

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Speaker 2: is what he tweeted to Investipedia, which could not be.

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Speaker 2: There's probably like five bald white guys who run Investipedia

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Speaker 2: and they're tweeting at Soldier Boy. He's an Investipedia's like,

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Speaker 2: we just want to say thanks for bringing more awareness

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Speaker 2: to exposure and exposure to financial literacy. This is awesome.

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Speaker 2: And Sojioer Boy goes back, You're welcome, and I want

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Speaker 2: to say thanks for educating me more on the stock market.

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Speaker 2: Greatly appreciated.

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Speaker 1: Oh that's awesome. But you know what though, I mean,

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Speaker 1: even even though Soldier Boy is not.

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Speaker 3: It's not like a hip hop artist that kids look

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Speaker 3: up to, he's still very wealthy, so they people definitely

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Speaker 3: look at him as like I think he and his network.

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Speaker 1: No, well, nobody like so nobody listens to so Boy songs.

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Speaker 2: Yeah, I only know the Superman.

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Speaker 3: Yeah that's the only one I know either too, but

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Speaker 3: he doesn't have any recent hits. But Soldier Boy, I

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Speaker 3: think what his real claim to fame was that when

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Speaker 3: he came up with those songs, he was the producer,

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Speaker 3: the singer of this.

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Speaker 1: So it the few songs that you know that did

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Speaker 1: do really well.

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Speaker 3: He made all of the money, and his current network

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Speaker 3: is like in the twenty millions or something like that.

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Speaker 3: So yeah, So it's so that's what's so cool about

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Speaker 3: Soldier Boys that even though you know, he you know,

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Speaker 3: had a very short lived popular career, that he was

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Speaker 3: able to do so in a way that he grew

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Speaker 3: great wealth and maintained it, which you know, that's better

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Speaker 3: than more than half of the people in his kind

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Speaker 3: of like his field. So yeah, like if you google

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Speaker 3: Soldier Boy network, I think it is like is it

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Speaker 3: like twenty thousand something?

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Speaker 1: Crazy?

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Speaker 2: Yeah, he said, I made a lot of money. This

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Speaker 2: is one of his first I made a lot of

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Speaker 2: money doing music over the years. I want to invest

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Speaker 2: in style instead of buying jewelry, et cetera. That's a

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Speaker 2: that's a good It is way to go.

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Speaker 1: Look at you, soldier boy. You know what you've better

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Speaker 1: make it cool to Yeah.

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Speaker 2: But then about like two hours after he had all

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Speaker 2: this like stock marker revelations. What is he posed? But

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Speaker 2: like a picture of gold yezis like gold plated sneakers.

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Speaker 2: Do you know what I didn't know? I guess you

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Speaker 2: hear about the Kanye clothing line and the shoes and

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Speaker 2: stuff and like, but I didn't realize he's like nine

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Speaker 2: hundred dollars for shoes.

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Speaker 3: Yeah, Kanye has like shirts with holes in them for

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Speaker 3: like three hundred dollars and people buy them.

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Speaker 2: I don't understand. I mean, I don't understand a lot

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Speaker 2: of things, but this is especially Geezy boost didas. But

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Speaker 2: this is like what I mean, this is what you

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Speaker 2: see though. I mean, Kanye is like the rapper of

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Speaker 2: all rappers. I mean no, no, no, I under nineteen eleven. No,

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Speaker 2: twelve hundred dollars to thirty five hundred dollars for shoes

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Speaker 2: right now, I'm on Amazon. That's great, right, cool can

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Speaker 2: afford this. That's why kids get their shoes stolen and

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Speaker 2: they look like they put this look that they wrapped

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Speaker 2: a sweater around a normal shoe.

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Speaker 1: I said, hey you, hey, you keep warm?

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Speaker 2: Yeah, I feel like your feet would be very sweaty. No,

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Speaker 2: but it's activity sneakers.

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Speaker 1: I'd like yeezys on.

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Speaker 3: You know that.

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Speaker 2: I'm a payless shoes on.

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Speaker 1: Yeah, confession, I have you ever heard of teaks? They're flats.

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Speaker 3: So teeks are like flat and so the bottom you

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Speaker 3: could tell it's a teak because the bottom is that

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Speaker 3: Robin's egg tiffany blue.

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Speaker 2: Pretty.

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Speaker 1: Yeah.

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Speaker 3: So they're very like, you know, like they're one of

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Speaker 3: Oprah's favorite things. The cheapest flat is one seventy five

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Speaker 3: for a flat. The more expensive ones can go up

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Speaker 3: to two hundred and something dollars. And I never buy

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Speaker 3: myself anything quote unquote fancy. So I was like, you know,

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Speaker 3: I'm always struggling to find a good flat. And I said,

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Speaker 3: you know what everyone keeps saying, these flats are feel comfortable.

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Speaker 3: I had a really really good month, like two months ago,

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Speaker 3: like huge month, a banner month, and I said, I'm

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Speaker 3: gonna treat myself to these overly expensive flats.

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Speaker 2: How much are they?

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Speaker 3: I think I paid one seventy five for black flats,

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Speaker 3: and so I bought them and they hurt me.

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Speaker 1: The first thing.

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Speaker 2: All day long, really, I thought it was going to

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Speaker 2: be a totally different I thought they were going to

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Speaker 2: change your life now.

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Speaker 1: And then after that, I was like, I'm never gonna

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Speaker 1: wear these again.

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Speaker 3: But then I ended up wearing them like a week

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Speaker 3: later because I could go, you know how, like you're

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Speaker 3: you're running to get like groceries from the car or whatever,

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Speaker 3: and you just throw on.

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Speaker 1: Whatever's by the door. I was gonna wear them.

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Speaker 3: So I threw them mom, and they were comfortable, and

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Speaker 3: I was like, oh, okay.

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Speaker 1: So I started wearing them.

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Speaker 3: And then one day I couldn't find them, and I'm

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Speaker 3: looking for them everywhere, and I said, I know who

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Speaker 3: has some, Supergirl, because I saw she was trying on

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Speaker 3: my shoes, and Supergirl took them to her mother's house

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Speaker 3: and kept them there.

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Speaker 1: So I called her mom was like, can you bring

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Speaker 1: my flats back?

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Speaker 2: Well, this is just the beginning, wait till she gets

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Speaker 2: to become a teenager.

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Speaker 3: But in the meantime, when when Supergirl had my flats,

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Speaker 3: I needed to wear flats that day because I was

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Speaker 3: going into the city and I wanted to wear flats

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Speaker 3: to be comfortable, and so I found my old black

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Speaker 3: pay let's flats and realized these nine dollar flats felt

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Speaker 3: exactly the same.

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Speaker 2: Exactly Well, I was gonna say, when you start talking

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Speaker 2: about expensive good shoes, like I think good shoes are

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Speaker 2: an investment to a point, to a point to a point,

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Speaker 2: especially in New York. If you live in any city

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Speaker 2: where you walk as much as New Jersey, New New York,

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Speaker 2: or any state as much as New Jersey and city

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Speaker 2: like New York where you walk all the time, you

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Speaker 2: need a good pair of shoes because, like my I

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Speaker 2: have all these foot issues I never had before, ankle

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Speaker 2: issues and heel issues, and so I had to I've

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Speaker 2: shopped a lot of at Aerosols, which I'm not ashamed

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Speaker 2: to admit, Aerosols super comfy.

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Speaker 1: It's the old Lady Store.

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Speaker 2: Yes, it's the Old Lady Shore. But they have very

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Speaker 2: fashionable flats, I must say, and heels and boots and airthing. Okay,

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Speaker 2: so take care of your feet. But I can't believe

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Speaker 2: we haven't even mentioned that people will be tuning into

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Speaker 2: this podcast tomorrow morning, Tuesday morning on election Day. Bomb

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Speaker 2: But no, wait, what was that?

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Speaker 3: I got like, I don't I'm I mean, I someone

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Speaker 3: was like, are you going to do an election party.

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Speaker 3: I said, honestly, my stomach is in that, and I

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Speaker 3: think I'm just gonna turn off.

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Speaker 1: I'm gonna go vote Abby, Abby.

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Speaker 3: Yeah, I'm gonna get my eyebrows done, and I think

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Speaker 3: I'm gonna turn off everything and like just watch them

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Speaker 3: GCV because I can't take it. Like I hate suspense movies,

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Speaker 3: I can't take it.

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Speaker 1: I just can't take you.

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Speaker 2: This is I'm not feeling the excitement like you know,

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Speaker 2: Facebook memories, just this is. This week, especially Facebook memories

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Speaker 2: has been reminding me of all the past three elections

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Speaker 2: or two elections, because my very first election was voting

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Speaker 2: for Barack Obama. That's the first time I cast a vote.

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Speaker 2: I was twenty one. How old was I twenty twenty

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Speaker 2: twenty one. So that was a hell of a year

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Speaker 2: to you know, assume my civic duty. And I feel

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Speaker 2: like nothing is going to compare to that year. And

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Speaker 2: also the excitement, the peer belief in what he stood for.

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Speaker 2: And you know, in twenty twelve, it was like, you know,

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Speaker 2: just bring it was all about just getting a Barack

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Speaker 2: Obama and making sure he stayed in office. And this

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Speaker 2: year it's like god wood, will it and just put

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Speaker 2: us out of our misery.

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Speaker 1: And I'm just like, I just I'm not gonna lie.

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Speaker 3: It's scary, and I'm like, so, I mean, people feel

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Speaker 3: like it's weird. My timeline looks back and forth. There

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Speaker 3: are people who are like, oh God, like I'm scared.

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Speaker 3: Are the people who are like, I'm sure she's gonna win,

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Speaker 3: And I'm like, I'm not sure of anything.

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Speaker 2: I'm just I was sure he wasn't going to get

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Speaker 2: the nomination. Okay, I was sure about so much exactly.

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Speaker 1: At this point, I'm just anything can happen.

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Speaker 2: There are there are a lot of uneducated people. You

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Speaker 2: know what's scariest about this selection, especially as a journalist

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Speaker 2: who works really hard. I don't even cover politics, but

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Speaker 2: I write about how, you know, politicians policies can impact

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Speaker 2: people's personal finances, which it has a huge impact on

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Speaker 2: everything from tax rates to the cost of college to

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Speaker 2: your retirement account. But there's just such a lack of

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Speaker 2: interest in facts. I feel like facts have been the

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Speaker 2: real loser in this election. People like, people want to

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Speaker 2: believe what they want to believe, and there's no like,

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Speaker 2: there's very few people, especially who are you know, on

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Speaker 2: lower Voldemort's side, who are interested in hearing the facts,

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Speaker 2: and it's really hard to fight against those people who

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Speaker 2: willfully want to be ignorant. And I think that's what's scariest.

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Speaker 2: There's there's just a lack of like logical you know,

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Speaker 2: educated thinking and critical thinking.

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Speaker 3: Not about that, it's about a feeling that they're losing

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Speaker 3: they're losing power over some like mythological place that used

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Speaker 3: to exist before where there were no people of color

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Speaker 3: and women were stood in their place, and like let's

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Speaker 3: go back to like leave it to be. I'm like, man,

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Speaker 3: that was ashl bab, Like that's not there was never

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Speaker 3: Like it's so crazy how people are like I want

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Speaker 3: to go back to these kinds And I'm like, well,

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Speaker 3: in the way that you describe in those times, it

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Speaker 3: never existed that.

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Speaker 2: It exists to like that for some people. I think,

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Speaker 2: what when people it's almost like in the beginning, it

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Speaker 2: didn't it didn't start out racist with the whole make

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Speaker 2: America Great agan thing. It's almost like, yes, in the sixties, seventies, eighties,

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Speaker 2: like manufacturing jobs were like you could get a manufacturing

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Speaker 2: job and provide for your family and it was a

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Speaker 2: nice blue collar income. And as those jobs went away.

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Speaker 2: The working white class, blue collar system kind of crumbled,

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Speaker 2: and you have those people who are looking back on

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Speaker 2: these old decades and they're like, man, I can't believe that,

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Speaker 2: you know, I can't provide for my family. These jobs

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Speaker 2: are disappearing. What you know, this this America is not recovering.

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Speaker 2: I'm struggling. And they say they missed the good old days,

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Speaker 2: but they don't understand that. I think it's just like

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Speaker 2: sort of a everyone's everyone will look out for their

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Speaker 2: own self interests and remember how things are for them,

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Speaker 2: but they forget what the rest of the world was

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Speaker 2: going through in the sixties and seventies, and it wasn't

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Speaker 2: equal or you know, they were the only ones doing

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Speaker 2: pretty pretty well.

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Speaker 3: You know, that's exactly what I want to go back

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Speaker 3: to the time when only I was benefiting.

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Speaker 1: What's wrong with that?

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Speaker 2: Yeah, I'm perfectly happy back then. And you guys didn't

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Speaker 2: have any rights anyway, so who no one even knew

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Speaker 2: you were struggling, you know, I just part of me

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Speaker 2: is just like, man, one of these people going to

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Speaker 2: die out? Is that terrible?

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Speaker 4: You know?

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Speaker 1: It's so great? No, it's not paradise to think that

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Speaker 1: all the time.

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Speaker 3: And you know it's so crazy though, It's like all

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Speaker 3: of these, like so many people that support Trump. I'm like, dude,

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Speaker 3: you know that he would you would never be invited

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Speaker 3: in this house, Like you're not, Like you're not in

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Speaker 3: any way shape or form someone that he would like

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Speaker 3: hang out with, have over, want his daughter to marry,

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Speaker 3: Like you're going for a dude that is looking at

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Speaker 3: you like beneath him.

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Speaker 1: Quite honestly, how.

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Speaker 2: Is this narcissistic billionaire becoming the voice for the working

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Speaker 2: white class in such a way. It is mind blowing. Anyway.

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Speaker 2: I feel like if anyone listening out there is as

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Speaker 2: as tired of the election as I am, Here's what

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Speaker 2: the one thing I keep holding onto is we have

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Speaker 2: to vote. Like the best way to get over your

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Speaker 2: election dysfunction disorder is just to go vote. Just do it,

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Speaker 2: because you can bitch about it all you want, so

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Speaker 2: long as you vote. I feel like people who don't vote,

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Speaker 2: they don't you know, they don't really have a right

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Speaker 2: to complain a vote, not voting, staying home, not voting.

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Speaker 2: I feel like you're just voting for Trump. We were

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Speaker 2: at we were at the house of one of fiance's relatives,

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Speaker 2: yesterday and his young cousin, he's twenty something. He's an

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Speaker 2: NYPD police officer. We were just talking. You know, it's

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Speaker 2: like an ad for the Trump campaign came up on

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Speaker 2: the TV and he was just like, yeah, man, I'm

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Speaker 2: not going to vote, like I don't know, I don't

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Speaker 2: know who to believe, I don't know who. And I

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Speaker 2: was just like, how can you not know? Like how

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Speaker 2: can you be on the fence and for him, I

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Speaker 2: kind of you know, and I got really upset, and

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Speaker 2: fiance was like, you need to calm down. It's my family.

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Speaker 2: But I was like, I was like, what do you mean.

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Speaker 2: You have to you know, you have to make a vote.

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Speaker 2: It's not just the president who's up for election. There's

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Speaker 2: all your local you know, congressman, lawmakers who are actually

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Speaker 2: writing the laws. You know, they're really important too. There's

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Speaker 2: a lot of legislators up for election too, that's important.

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Speaker 2: And He's just like, you know, I feel like Trump

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Speaker 2: supports stop and frisk and that helps me in my

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Speaker 2: job as a cop. And I'm like, Okay, that's fine.

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Speaker 2: You know, it's not even that he wants he it's

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Speaker 2: not even that he's like supporting Trump a little bit

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Speaker 2: it's that I I just don't see why people don't

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Speaker 2: want to vote. Yeah, I guess his sense is that

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Speaker 2: it doesn't matter. I mean, living in New York City,

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Speaker 2: it's easy to think that because it's a blue state.

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Speaker 2: But I don't know. I wouldn't feel it wouldn't feel right.

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Speaker 2: It would feel like not filing my taxes or like

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Speaker 2: not going for annual physical I would never miss that

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Speaker 2: kind of stuff. How could you miss the voting?

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Speaker 3: No, I just like I said, I just I'm gonna

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Speaker 3: be opptensity. I'm just I'm pretty much gonna turn off

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Speaker 3: Internet because I know it's gonna be pray some emails.

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Speaker 1: I'm probably gonna watch some reruns of a Fixer Upper.

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Speaker 2: You're not gonna watch any election coverage. I'm gonna watch.

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Speaker 3: Sorry, even when, even when when I first voted for

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Speaker 3: President Obama, like I was like, I was like so

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Speaker 3: sick to my stomach cause I was listening and I

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Speaker 3: was like breathing heavy, like, oh, I just can't take it.

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Speaker 1: I'm sure I'm going to watch some, but I'm gonna

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Speaker 1: be like so my mind can't take my I know.

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Speaker 2: And I'm just praying for a decisive victory. I'm praying

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Speaker 2: that I'm praying that everyone just does the right thing

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Speaker 2: for the country and not just the right thing for

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Speaker 2: themselves anyway. So this is your brain ambition, Go out,

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Speaker 2: get out the vote. If you're on your way to

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Speaker 2: work right now listening to the podcast and you haven't,

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Speaker 2: you know, taken some time off to go vote yet,

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Speaker 2: you got your lunch break. Polls in New York rope

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Speaker 2: until nine pm, so you can go after work. Twist,

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00:18:06,800 --> 00:18:10,679
Speaker 2: you gotta vote. Tweet us with your vote stickers. Just

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Speaker 2: don't tweet in the booth. That's illegal, right, Like justin

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Speaker 2: Timberlake found that out. You can't take a selfie in

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Speaker 2: the booth. Don't do it. Don't say Brown Ambition said,

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Speaker 2: I could I.

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Speaker 1: Please because I do not have bail money. I do,

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Speaker 1: but not for you.

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Speaker 2: Yeah, we don't have bail money. Wait until you leave,

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Speaker 2: and then it's tweetus. A tweet's a pick at the

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Speaker 2: BA podcast.

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Speaker 1: God, who is this president in my timeline?

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Speaker 3: Yeah, a dude, I'm I'm planning to vote on November eighth.

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Speaker 3: Voting can make America great. How did Stephen Edward Adams

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Speaker 3: end up in my comline? And it's all these old

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Speaker 3: Caucasian people, me too, Yes, make America vote great?

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Speaker 1: Oh my god, how did they get How is he

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Speaker 1: my friend? They found you now, I'm like, mmmm.

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Speaker 2: They're on to you. They're everywhere. Are you kidding me?

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Speaker 2: There are? Ignorance is a universal state of mind in

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Speaker 2: some places, speaking of well, actually a terrible segue. But

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Speaker 2: since we talked about Solanga's album the other day, I

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Speaker 2: wanted to see if you had a chance to watch

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Speaker 2: her performance in SNL and see if her performance has

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Speaker 2: uh because you weren't so impressed by the album. But

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Speaker 2: did you see the performance and what did you think?

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Speaker 1: I did not see the performance.

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Speaker 2: I didn't see the crown, the glitzy crown. Honestly, I's

404
00:19:28,840 --> 00:19:31,280
Speaker 2: spun around on her head, and then Beyonce and Tina

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Speaker 2: were both there.

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Speaker 1: I didn't see. I didn't even hear. Honestly, I'm so

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Speaker 1: out of it. I'm not gonna lie.

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Speaker 3: I have not watched much TV. I didn't even see Beyonce.

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Speaker 3: I'm on the CMAS.

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Speaker 2: I didn't you know what I'm actually, I feel the

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Speaker 2: same way. I didn't know she was on the CFAs

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Speaker 2: and I felt almost sad as a Beyonce fan, like

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Speaker 2: am I am I slipping?

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Speaker 1: So I didn't see it.

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Speaker 2: I still have yet to watch it though, me too,

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Speaker 2: and I.

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Speaker 3: Want to watch it because I heard it was good.

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Speaker 3: But I'm like, I don't know. I just I've just

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Speaker 3: been like so just tired.

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Speaker 1: I don't know if it's just a whole bunch of work.

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Speaker 1: I'm just like, I'm just exhausting.

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Speaker 2: Is it all that baby making?

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Speaker 1: I don't know.

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Speaker 2: We have a lot of We had quite a few

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Speaker 2: emails from people supporting or with some some tips on

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Speaker 2: temperature checking and ovulation cycles. I'll just for those onto you. Yeah,

427
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Speaker 2: so what, Yeah, any updates there? Have you guys been

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Speaker 2: to a live educated doctor. Well but that now you

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Speaker 2: got quiet?

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Speaker 1: You know, I said, not as if yet, you know,

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Speaker 1: I was so crazy.

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Speaker 3: I was thinking of you today because I was thinking,

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Speaker 3: like I need because I went to the dentist today

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Speaker 3: for a root can.

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Speaker 2: Now and whoopee, oh god, I know, and you're talking.

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Speaker 3: You know what, oddly enough, whenever, this is not my

437
00:20:48,400 --> 00:20:52,040
Speaker 3: first rooc can now, and so it it doesn't it's

438
00:20:52,040 --> 00:20:55,040
Speaker 3: like why wisdom tooth or way in the back or whatever,

439
00:20:55,359 --> 00:20:57,879
Speaker 3: and so it's it's sore, but it doesn't like my

440
00:20:57,960 --> 00:20:59,959
Speaker 3: face doesn't hurt, just the tooth is a little bit.

441
00:21:00,840 --> 00:21:02,439
Speaker 3: But yeah, and I was thinking that too. I'm like,

442
00:21:02,440 --> 00:21:04,879
Speaker 3: I hope for taping the podcast, I'm not. It was

443
00:21:04,920 --> 00:21:07,360
Speaker 3: at eleven, so I'm feeling like, hmm, it's seven now,

444
00:21:07,400 --> 00:21:09,720
Speaker 3: so I'm good. But yeah, so but it made me

445
00:21:09,720 --> 00:21:11,520
Speaker 3: think to myself, you went to the dentist, it's time

446
00:21:11,600 --> 00:21:12,679
Speaker 3: to go to the baby doctor.

447
00:21:12,840 --> 00:21:14,040
Speaker 2: Yeah.

448
00:21:14,480 --> 00:21:16,320
Speaker 3: Yeah, oh you know what it is. I know, I'm tired.

449
00:21:16,800 --> 00:21:18,880
Speaker 3: Baby sat like my nephew almost for a full week.

450
00:21:19,359 --> 00:21:21,719
Speaker 2: Listen, can I tell her about the conference call we

451
00:21:21,720 --> 00:21:26,879
Speaker 2: were on. So our worlds are colliding and Magnify Money

452
00:21:27,280 --> 00:21:32,320
Speaker 2: is sponsoring Tiffany's Literature Challenged for twenty seventeen, which is

453
00:21:32,359 --> 00:21:36,120
Speaker 2: super exciting. But anyway, we had our first official call

454
00:21:36,600 --> 00:21:40,280
Speaker 2: with Tiffany and her assistant and the entire call was

455
00:21:40,320 --> 00:21:42,840
Speaker 2: like the baby gurgling in the background and the baby yelling,

456
00:21:42,960 --> 00:21:45,040
Speaker 2: and it was like he was just like yeah.

457
00:21:45,280 --> 00:21:46,400
Speaker 1: I was like, oh my god.

458
00:21:46,520 --> 00:21:49,240
Speaker 2: He's like, so you scheduled a conference call during my

459
00:21:49,280 --> 00:21:51,280
Speaker 2: active hours. That's not a smart idea.

460
00:21:51,400 --> 00:21:52,760
Speaker 3: And I was hoping I was a baby, He'll be

461
00:21:52,760 --> 00:21:56,159
Speaker 3: a sleep because like her normal babysitter was away for

462
00:21:56,200 --> 00:21:56,680
Speaker 3: the week and.

463
00:21:56,640 --> 00:21:58,280
Speaker 1: She's like, could you watch him? And I was like,

464
00:21:58,440 --> 00:22:00,000
Speaker 1: uh so, I can't sold most things.

465
00:22:00,080 --> 00:22:03,200
Speaker 3: But I thought, oh because usually like when I'm doing

466
00:22:03,280 --> 00:22:05,720
Speaker 3: like work, like he has this little toy, so he's fine.

467
00:22:05,720 --> 00:22:08,240
Speaker 3: But of course he's like, oh, do you need quiet now?

468
00:22:08,320 --> 00:22:09,639
Speaker 3: Oh no?

469
00:22:11,680 --> 00:22:14,280
Speaker 2: Wait. It's almost like doesn't that make you realize though?

470
00:22:14,280 --> 00:22:17,720
Speaker 2: When my girlfriends and my just friends people I know

471
00:22:17,800 --> 00:22:20,680
Speaker 2: and women I know who work from home and people

472
00:22:20,680 --> 00:22:22,159
Speaker 2: are like, oh, you can just work from home and

473
00:22:22,200 --> 00:22:24,840
Speaker 2: watch the baby, and they're like, oh no, I still

474
00:22:24,920 --> 00:22:27,840
Speaker 2: have to hire a nanny to actually take because they

475
00:22:28,359 --> 00:22:30,240
Speaker 2: suck up every ounce of your attention.

476
00:22:31,080 --> 00:22:33,600
Speaker 3: And meanwhile, it's not even like he's like a four

477
00:22:33,600 --> 00:22:35,520
Speaker 3: month old or something where you where it's like you

478
00:22:35,600 --> 00:22:36,439
Speaker 3: have to always hold.

479
00:22:36,320 --> 00:22:38,560
Speaker 1: Him like he's one. So he's walking and you know.

480
00:22:38,640 --> 00:22:41,040
Speaker 3: Like he has this little like I have mobile yeah,

481
00:22:41,080 --> 00:22:42,760
Speaker 3: which is like even more so I didn't. I don't

482
00:22:42,800 --> 00:22:44,840
Speaker 3: really have a baby proof half of I'm using chairs

483
00:22:44,840 --> 00:22:46,879
Speaker 3: and stuff to like lock off places where you can't go.

484
00:22:48,040 --> 00:22:50,199
Speaker 3: And like it was so crazy because you think that

485
00:22:51,080 --> 00:22:52,919
Speaker 3: I you just don't realize how smart babies are. So

486
00:22:52,960 --> 00:22:55,920
Speaker 3: he'd watch me pull a chair like in a little

487
00:22:55,960 --> 00:22:57,920
Speaker 3: crevice so he couldn't go that way, and as he'd

488
00:22:57,920 --> 00:22:59,679
Speaker 3: watched me pull it, he realized, oh, she pulled up

489
00:22:59,680 --> 00:23:01,280
Speaker 3: by the lefe And next thing I know, he's pulling

490
00:23:01,320 --> 00:23:02,960
Speaker 3: up by the leg to set himself free.

491
00:23:03,080 --> 00:23:06,240
Speaker 1: And I was like, how I was responsible?

492
00:23:06,880 --> 00:23:08,359
Speaker 3: So every time I would try to lock him in,

493
00:23:08,440 --> 00:23:11,879
Speaker 3: I had to make sure he couldn't see the method

494
00:23:11,920 --> 00:23:14,600
Speaker 3: I use, or he would be like, oh is that half?

495
00:23:15,240 --> 00:23:17,080
Speaker 2: They're a little Whodini's they are?

496
00:23:17,800 --> 00:23:20,920
Speaker 3: I was just exhausted because every morning, at like seven,

497
00:23:20,960 --> 00:23:23,399
Speaker 3: he'd wake up and I'm like, just wan worn and

498
00:23:23,440 --> 00:23:26,439
Speaker 3: every night, I mean it just, yeah, I got some

499
00:23:26,520 --> 00:23:28,520
Speaker 3: work done, but let's just say I had to cancel

500
00:23:28,600 --> 00:23:30,280
Speaker 3: the majority of my meetings and I was just like,

501
00:23:30,359 --> 00:23:33,080
Speaker 3: guess it's just me and you kid, and it was

502
00:23:33,440 --> 00:23:35,880
Speaker 3: I'm still Meanwhile, today's the first day where I didn't

503
00:23:35,920 --> 00:23:38,119
Speaker 3: really have to watch him, and I didn't watch him

504
00:23:38,160 --> 00:23:39,880
Speaker 3: really this weekend, but I'm still exhausted.

505
00:23:39,960 --> 00:23:41,680
Speaker 1: I'm like, how do moms do.

506
00:23:41,680 --> 00:23:44,040
Speaker 2: The baby hangover? So this is a good practice for you?

507
00:23:44,119 --> 00:23:46,240
Speaker 3: Then that's what everyone said to like, how is it

508
00:23:46,400 --> 00:23:48,239
Speaker 3: my best friend Drina because she's got a one year

509
00:23:48,240 --> 00:23:50,320
Speaker 3: old the same age, And then to make matters worse,

510
00:23:50,720 --> 00:23:52,320
Speaker 3: she asked me she had to do a press conference.

511
00:23:52,320 --> 00:23:53,760
Speaker 1: She said, I know you have baby.

512
00:23:54,119 --> 00:23:57,560
Speaker 3: You know your baby nephew that her son is basically

513
00:23:57,560 --> 00:23:59,040
Speaker 3: the same age. And she's like, but I really have

514
00:23:59,080 --> 00:24:00,880
Speaker 3: to do this press conference. I'm only ten minutes away.

515
00:24:00,880 --> 00:24:01,560
Speaker 3: It told me an hour.

516
00:24:01,800 --> 00:24:04,000
Speaker 1: Could you watch my son too? So at one point

517
00:24:04,160 --> 00:24:07,000
Speaker 1: I had two one year olds in the house and

518
00:24:07,040 --> 00:24:08,840
Speaker 1: I was just like, what is happening for my life?

519
00:24:09,160 --> 00:24:10,160
Speaker 2: Something like a nightmare?

520
00:24:10,560 --> 00:24:12,479
Speaker 1: Why can you imagine twin? And I looked at like

521
00:24:12,480 --> 00:24:15,240
Speaker 1: my Superman, and I'm like, yo, you are a twin.

522
00:24:16,119 --> 00:24:19,560
Speaker 1: Twin boys, how did your mother? I don't know.

523
00:24:20,240 --> 00:24:24,800
Speaker 2: Let's hope that twin dream twin g passes you don't

524
00:24:24,800 --> 00:24:25,360
Speaker 2: they skip a.

525
00:24:25,320 --> 00:24:28,320
Speaker 3: Generation or right, because if I have twin, I'm checking out,

526
00:24:28,320 --> 00:24:31,080
Speaker 3: I'm getting my time card and i am checking out.

527
00:24:34,080 --> 00:24:38,159
Speaker 2: Oh my god. Babies are so evil, you know.

528
00:24:38,280 --> 00:24:40,680
Speaker 4: If you know what's so terrible about babies is that

529
00:24:40,800 --> 00:24:44,680
Speaker 4: they're so cute that you're like, what are you Like,

530
00:24:45,160 --> 00:24:47,359
Speaker 4: nephew would be like, oh, this cup half water, It

531
00:24:47,440 --> 00:24:48,320
Speaker 4: sure does knock.

532
00:24:49,920 --> 00:24:53,040
Speaker 2: The babies are cute evolution because they would not survive

533
00:24:53,240 --> 00:24:55,920
Speaker 2: if they weren't adorable creatures. We would have thrown them

534
00:24:55,960 --> 00:24:58,520
Speaker 2: off the cliff already because they're crazy. That's the same

535
00:24:58,560 --> 00:25:01,119
Speaker 2: reason that you know frogs have poisoned darts and stuff

536
00:25:01,160 --> 00:25:02,080
Speaker 2: like that for survival.

537
00:25:03,040 --> 00:25:03,760
Speaker 1: I'm telling you it.

538
00:25:03,920 --> 00:25:05,760
Speaker 3: Just every time you just like I just can't take

539
00:25:05,760 --> 00:25:08,040
Speaker 3: it anymore. That's when they smile and they're like, yes

540
00:25:08,119 --> 00:25:13,479
Speaker 3: you can, like I just want to. And then when

541
00:25:13,520 --> 00:25:15,920
Speaker 3: he slept, I'm like, now's your chance, take your nap,

542
00:25:15,960 --> 00:25:18,639
Speaker 3: because you were always torn between should I do work

543
00:25:18,840 --> 00:25:20,720
Speaker 3: now that he's sleeping or should I just sleep too

544
00:25:20,800 --> 00:25:21,919
Speaker 3: and sleep usually one.

545
00:25:21,800 --> 00:25:26,439
Speaker 2: Nowt man, well, that sounds like a fun experience. At

546
00:25:26,480 --> 00:25:27,800
Speaker 2: least you get to give him back.

547
00:25:28,480 --> 00:25:31,320
Speaker 3: Yes hoo, child. But then you miss them too. It's

548
00:25:31,320 --> 00:25:33,520
Speaker 3: a weird thing because then I'm like, oh, I missed him.

549
00:25:33,880 --> 00:25:35,680
Speaker 3: But then I was like, you forgot? Have you forgotten?

550
00:25:36,440 --> 00:25:40,120
Speaker 2: They're manipulative? I have to we have to talk about this.

551
00:25:40,680 --> 00:25:42,600
Speaker 2: So I've been this weekend speaking of TV.

552
00:25:43,320 --> 00:25:43,439
Speaker 1: Uh.

553
00:25:43,960 --> 00:25:46,400
Speaker 2: I started watching the Netflix, the new Netflix show called

554
00:25:46,400 --> 00:25:47,879
Speaker 2: The Crown. I feel like I'm gonna catch you up,

555
00:25:47,880 --> 00:25:49,960
Speaker 2: and all the all the pop cultures.

556
00:25:49,800 --> 00:25:51,160
Speaker 1: Go to watch The Crown. Is it good?

557
00:25:51,359 --> 00:25:53,720
Speaker 2: It's good. It's like the new it's my new replacement

558
00:25:53,760 --> 00:25:57,680
Speaker 2: for down Nabby. It's something about the British, British elite,

559
00:25:57,880 --> 00:25:59,040
Speaker 2: just like Americans love it.

560
00:26:00,000 --> 00:26:01,000
Speaker 1: Oh my god, we're twins.

561
00:26:01,200 --> 00:26:05,800
Speaker 2: So it's about Queen Elizabeth or Queen Elizabeth. They call

562
00:26:05,840 --> 00:26:06,440
Speaker 2: her a little bit.

563
00:26:06,640 --> 00:26:07,879
Speaker 1: Is that her fancy Nay?

564
00:26:09,080 --> 00:26:12,880
Speaker 2: I'm learning so much. It's very historically accurate. Her nickname

565
00:26:12,920 --> 00:26:16,720
Speaker 2: was Lilibet. Lilibet. I had no idea. I didn't really know.

566
00:26:16,720 --> 00:26:18,880
Speaker 2: I mean, I just always it's sort of like your grandma.

567
00:26:18,960 --> 00:26:21,080
Speaker 2: You're born and you just think, well, grandma was always

568
00:26:21,119 --> 00:26:27,960
Speaker 2: seventy five years old, and so with Queen Elizabeth, I'm like, oh, yeah,

569
00:26:27,960 --> 00:26:30,040
Speaker 2: she was a young girl when she was made queen.

570
00:26:30,080 --> 00:26:33,640
Speaker 2: Her dad King George, so whatever, he passed away. He

571
00:26:33,720 --> 00:26:40,320
Speaker 2: died from lung cancer and she was suddenly thrust into, uh,

572
00:26:39,640 --> 00:26:42,840
Speaker 2: the the role of queen. And you know, she had

573
00:26:42,880 --> 00:26:44,840
Speaker 2: been she had just been married and she you know,

574
00:26:44,880 --> 00:26:47,520
Speaker 2: we talk about being the breadwinner in a relationship as

575
00:26:47,560 --> 00:26:49,800
Speaker 2: a woman and how difficult to this imagine being the

576
00:26:49,880 --> 00:26:53,520
Speaker 2: Queen of England and your husband is like a house husband.

577
00:26:54,400 --> 00:26:56,640
Speaker 2: So it's really interesting. It goes into all the dynamics

578
00:26:56,640 --> 00:26:59,760
Speaker 2: of their relationship and assuming The Thrones was all only

579
00:26:59,800 --> 00:27:02,800
Speaker 2: like sixty years ago. It was the nineteen fifties, right

580
00:27:02,800 --> 00:27:07,280
Speaker 2: after World War Two. Anyway, just really good show. And

581
00:27:08,080 --> 00:27:10,679
Speaker 2: but it got me thinking because this week, or the

582
00:27:10,760 --> 00:27:14,440
Speaker 2: last week, Prince Harry, who is like her grandson, Prince Harry,

583
00:27:14,440 --> 00:27:17,600
Speaker 2: you know, he's like the wild child. Apparently he's dating

584
00:27:17,720 --> 00:27:21,280
Speaker 2: a mixed race actress. That's her name. I had never

585
00:27:21,280 --> 00:27:24,240
Speaker 2: heard of her before. Her name is, she's bi racial.

586
00:27:24,280 --> 00:27:27,920
Speaker 2: Her name is Megan Markle. You heard of her. She's beautiful, beautiful,

587
00:27:27,920 --> 00:27:31,639
Speaker 2: beautiful white. I'm pretty sure she's black and white, but

588
00:27:31,680 --> 00:27:35,000
Speaker 2: I haven't done the digging. So but you know, British.

589
00:27:35,040 --> 00:27:38,160
Speaker 2: British newspapers are way more like blunt with how they

590
00:27:38,160 --> 00:27:40,800
Speaker 2: describe people of race. They're like, this is the headline

591
00:27:40,840 --> 00:27:44,199
Speaker 2: on uh the Guardian, the Prince's new black girlfriend has

592
00:27:44,240 --> 00:27:49,639
Speaker 2: set tongues wagging like geez. But anyway, sorry, go.

593
00:27:49,600 --> 00:27:54,240
Speaker 1: Ahead, I'm just saying, okay, does she have a career?

594
00:27:54,320 --> 00:27:58,360
Speaker 2: What's her name? She's a black girlfriend, but apparently so one.

595
00:27:58,480 --> 00:28:00,720
Speaker 2: But you know, it's even more scandalous than her race

596
00:28:01,040 --> 00:28:03,600
Speaker 2: in the British monarchy is the fact that she's divorced.

597
00:28:04,200 --> 00:28:06,199
Speaker 2: That's what I learned from watching The Crown is how

598
00:28:06,240 --> 00:28:08,720
Speaker 2: what a big deal divorce was? Like you couldn't marry

599
00:28:08,760 --> 00:28:12,280
Speaker 2: a divorce person, Like, isn't that nuts? It's imagine that

600
00:28:12,560 --> 00:28:15,160
Speaker 2: was the law now because it went against the Church

601
00:28:15,160 --> 00:28:18,280
Speaker 2: of England's teachings. And of course the queen was like

602
00:28:18,320 --> 00:28:21,320
Speaker 2: the head of the church or whatever. But her own

603
00:28:21,400 --> 00:28:24,160
Speaker 2: sister had to give up the love of her life

604
00:28:24,200 --> 00:28:26,680
Speaker 2: because he had been divorced before and the British government

605
00:28:26,680 --> 00:28:27,520
Speaker 2: wouldn't allow it.

606
00:28:28,160 --> 00:28:31,680
Speaker 3: Wow, isn't that why, Like Prince Charles couldn't marry Camilla Etards.

607
00:28:32,080 --> 00:28:33,840
Speaker 2: Yeah, I think it was a similar thing. Yeah, I

608
00:28:33,840 --> 00:28:36,080
Speaker 2: don't know. We haven't caught up to the Prince Charles yet.

609
00:28:36,359 --> 00:28:37,159
Speaker 2: He's just a baby.

610
00:28:37,840 --> 00:28:38,120
Speaker 1: No.

611
00:28:38,120 --> 00:28:39,680
Speaker 3: Now that I want to watch, Like that's gonna be

612
00:28:39,680 --> 00:28:41,160
Speaker 3: my new Like, ooh, I don't want to do any work,

613
00:28:41,280 --> 00:28:41,720
Speaker 3: let me watch.

614
00:28:41,720 --> 00:28:42,800
Speaker 1: Because I was looking.

615
00:28:42,920 --> 00:28:45,720
Speaker 3: I went on Netflix on my bar Netflix account because

616
00:28:45,720 --> 00:28:46,240
Speaker 3: you know how I.

617
00:28:46,280 --> 00:28:50,600
Speaker 2: Do two and you know, the passport stopped breaking last night.

618
00:28:50,640 --> 00:28:52,440
Speaker 2: Sendrique's cousin and I was like, can you text him?

619
00:28:52,480 --> 00:28:54,959
Speaker 2: He's like, it's midnight, just text him though it's not

620
00:28:55,000 --> 00:28:55,840
Speaker 2: watching anymore.

621
00:28:57,000 --> 00:29:00,400
Speaker 1: No no need to no alarm, you know. But I just.

622
00:29:03,760 --> 00:29:06,360
Speaker 3: It's Superman, so it's hit. So I'm always like, yeah,

623
00:29:06,480 --> 00:29:08,760
Speaker 3: I will always have this login. We shall always only

624
00:29:08,800 --> 00:29:09,840
Speaker 3: play for one person.

625
00:29:10,120 --> 00:29:12,440
Speaker 2: Do you do that? You cobble together the subscriptions with

626
00:29:12,520 --> 00:29:16,280
Speaker 2: family and friends because so his cousin uses our Hulu

627
00:29:16,320 --> 00:29:19,480
Speaker 2: and we use his Netflix. My little brother uses my Spotify.

628
00:29:19,920 --> 00:29:22,280
Speaker 2: Actually he's a leech. I haven't he doessn't given me anything.

629
00:29:22,840 --> 00:29:24,760
Speaker 3: It's like, I mean, while your little brother has a

630
00:29:25,000 --> 00:29:26,760
Speaker 3: has all of them, it's like it's given nothing.

631
00:29:26,880 --> 00:29:28,440
Speaker 2: And he didn't even tell he could. He just kind

632
00:29:28,480 --> 00:29:29,760
Speaker 2: of like went on my account and just did it.

633
00:29:29,760 --> 00:29:31,360
Speaker 2: He just added himself. I didn't even know.

634
00:29:33,360 --> 00:29:35,840
Speaker 1: Iretty figure out her login. There you go.

635
00:29:36,400 --> 00:29:38,640
Speaker 2: Well, I hope that the British newspapers don't mess up

636
00:29:38,640 --> 00:29:42,120
Speaker 2: this relationship because we need more mixed babies in the world. Okay, yeah,

637
00:29:42,440 --> 00:29:43,960
Speaker 2: especially royal ones. Come on.

638
00:29:45,520 --> 00:29:48,000
Speaker 3: No, So I'm excited, Like now I'm gonna I cannot wait.

639
00:29:48,000 --> 00:29:50,280
Speaker 3: I'm gonna I'm probably gonna start watching Cromp tonight because

640
00:29:50,320 --> 00:29:51,640
Speaker 3: it looks so interesting.

641
00:29:51,720 --> 00:29:54,440
Speaker 2: It's really good and it's like it's relaxing and I

642
00:29:54,480 --> 00:29:56,880
Speaker 2: don't know, I love it and the accents are on point.

643
00:29:57,480 --> 00:30:00,320
Speaker 2: Her accent is like it's different in the it's like

644
00:30:00,400 --> 00:30:04,960
Speaker 2: so snotty British, like upper class. It's like, thank you

645
00:30:05,000 --> 00:30:08,000
Speaker 2: for being herey'all. Was so happy to hobby y'all. It's

646
00:30:08,200 --> 00:30:11,880
Speaker 2: it's all very like nasally, I'm doing a terrible job

647
00:30:11,920 --> 00:30:14,479
Speaker 2: of it. But it's good stuff, good good stuff, and

648
00:30:14,520 --> 00:30:15,560
Speaker 2: the outfits come on.

649
00:30:16,640 --> 00:30:17,400
Speaker 1: I'm super excited.

650
00:30:17,440 --> 00:30:19,480
Speaker 3: I saw some of the like review like you know,

651
00:30:19,560 --> 00:30:21,840
Speaker 3: like the trailers, and I said, oh my god, she

652
00:30:22,040 --> 00:30:23,880
Speaker 3: like I remember I think her husband said something like

653
00:30:24,480 --> 00:30:26,200
Speaker 3: do I have to bow to the queen?

654
00:30:26,280 --> 00:30:27,480
Speaker 1: There's something Yes, he.

655
00:30:27,440 --> 00:30:29,400
Speaker 2: Didn't want to bow to hurt her coronation. That's what

656
00:30:29,440 --> 00:30:32,320
Speaker 2: I'm talking about. Talk about being the breadwinner and how

657
00:30:32,320 --> 00:30:34,440
Speaker 2: hard that is as a woman, and then like to oh,

658
00:30:34,560 --> 00:30:38,560
Speaker 2: to rule a country. Uh yeah, it's I think that's

659
00:30:38,560 --> 00:30:40,719
Speaker 2: one of the more interesting parts of the show is

660
00:30:41,000 --> 00:30:44,120
Speaker 2: his reaction to her being the queen. It's I think

661
00:30:44,120 --> 00:30:46,920
Speaker 2: it's in one sense, like you want to think, oh,

662
00:30:46,920 --> 00:30:49,280
Speaker 2: he's just being a jerk. He should support her, but

663
00:30:49,800 --> 00:30:53,520
Speaker 2: you almost kind of understand at the same time what

664
00:30:53,640 --> 00:30:56,480
Speaker 2: he's going through as well. But they make him look

665
00:30:56,480 --> 00:31:00,400
Speaker 2: like a big douchebag, not gonna lie I want to

666
00:31:00,440 --> 00:31:03,560
Speaker 2: see I want to see Prince Philip. Yeah, it's good stuff,

667
00:31:03,600 --> 00:31:08,920
Speaker 2: good stuff. Well, alrighty anything else we want to cover buzzworthy?

668
00:31:09,240 --> 00:31:10,680
Speaker 1: No, I think we're good on buzzes.

669
00:31:10,920 --> 00:31:15,320
Speaker 2: Everybody's going to vote today, Yes, yes you shall. If

670
00:31:15,320 --> 00:31:18,360
Speaker 2: you don't know where your voting precinct is, just google it. Google. Actually,

671
00:31:18,400 --> 00:31:21,440
Speaker 2: just go to Gmail, because Gmail they have this really

672
00:31:21,440 --> 00:31:24,400
Speaker 2: cool like pop up that asks you if you know

673
00:31:24,440 --> 00:31:26,680
Speaker 2: where to vote, and it tells you exactly where to vote.

674
00:31:27,320 --> 00:31:28,920
Speaker 1: You just got to put in your address and like

675
00:31:28,960 --> 00:31:30,959
Speaker 1: the address where you're registered and it will tell you.

676
00:31:31,000 --> 00:31:33,680
Speaker 1: Because my my voting site changed.

677
00:31:33,440 --> 00:31:34,640
Speaker 3: Like a couple of years ago, and I was like

678
00:31:34,680 --> 00:31:37,080
Speaker 3: going to the old one, like wait, this had a school,

679
00:31:37,120 --> 00:31:38,640
Speaker 3: but it was it had a new school now, So

680
00:31:38,640 --> 00:31:40,040
Speaker 3: I'm like, okay, now I know I'm working.

681
00:31:40,040 --> 00:31:41,000
Speaker 1: Earlier though, I had.

682
00:31:40,920 --> 00:31:42,880
Speaker 2: To drag my butt to Queen's not excited.

683
00:31:43,600 --> 00:31:45,880
Speaker 3: I know that's the ad job, my bet to Westfield.

684
00:31:46,080 --> 00:31:48,560
Speaker 3: Clearly I have not lived there forever, but that's where at.

685
00:31:48,480 --> 00:31:51,120
Speaker 2: Least you can drag yourself in a vehicle. Yeah, and

686
00:31:51,240 --> 00:31:52,800
Speaker 2: be dragging myself in an hour and a half of

687
00:31:52,840 --> 00:31:55,800
Speaker 2: train rides. Oh man, all right, well let's move on

688
00:31:55,800 --> 00:31:58,840
Speaker 2: because I'm really excited about today's guest, Eric Patrick, hip

689
00:31:58,880 --> 00:32:01,680
Speaker 2: hop stock doc, and I think he's about to ring in.

690
00:32:02,440 --> 00:32:05,160
Speaker 2: He's going to answer some questions, give some tips on

691
00:32:05,200 --> 00:32:16,360
Speaker 2: how to start investing in the market. All right, Brannan

692
00:32:16,400 --> 00:32:19,680
Speaker 2: vissionfam you asked, we have listened. You've been asking us

693
00:32:19,720 --> 00:32:22,360
Speaker 2: for months to bring on someone to tell you guys

694
00:32:22,440 --> 00:32:25,040
Speaker 2: how you can get started investing in the market, and

695
00:32:25,120 --> 00:32:28,240
Speaker 2: finally we found the perfect guest. His name is Eric Patrick.

696
00:32:28,320 --> 00:32:32,360
Speaker 2: He's the founder of the Black Market Exchange. And Eric,

697
00:32:32,360 --> 00:32:33,880
Speaker 2: thank you so much for coming on the show.

698
00:32:34,520 --> 00:32:35,360
Speaker 5: Thank you for having me.

699
00:32:35,640 --> 00:32:38,920
Speaker 2: I'm sorry that it's just me. Tiffany unfortunately has to

700
00:32:38,960 --> 00:32:40,840
Speaker 2: do some big lady boss stuff so she's not here,

701
00:32:41,000 --> 00:32:41,880
Speaker 2: so it just be us today.

702
00:32:42,720 --> 00:32:45,400
Speaker 5: Okay, so you know, much respect to her. But it

703
00:32:45,440 --> 00:32:47,920
Speaker 5: sounds good and I'm ready to get this going awesome.

704
00:32:48,000 --> 00:32:50,920
Speaker 2: So Eric, tell me what is the Black Market Exchange

705
00:32:50,920 --> 00:32:54,120
Speaker 2: and how did you get started writing and get curious

706
00:32:54,200 --> 00:32:54,920
Speaker 2: about investing?

707
00:32:55,960 --> 00:32:58,800
Speaker 5: So, the Black Market Exchange is an urban investment education

708
00:32:58,920 --> 00:33:03,040
Speaker 5: platform in by urban investment education. I simply just use

709
00:33:03,160 --> 00:33:07,040
Speaker 5: hip hop in modern media to help explain finance and

710
00:33:07,080 --> 00:33:11,120
Speaker 5: investing topics. So it could be a rap lyric, it

711
00:33:11,120 --> 00:33:14,200
Speaker 5: could be a scene from a television show such as

712
00:33:14,280 --> 00:33:18,360
Speaker 5: Empire or whatever it is that's a very relatable topic

713
00:33:18,480 --> 00:33:21,000
Speaker 5: kind of mainstream media, and then I use that to

714
00:33:21,080 --> 00:33:24,720
Speaker 5: relate it to something in financial markets, you know, particularly stocks.

715
00:33:25,080 --> 00:33:27,479
Speaker 5: And so that's what black market Exchange is about, just

716
00:33:27,520 --> 00:33:32,160
Speaker 5: really trying to bridge that gap, especially for millennials, to

717
00:33:33,120 --> 00:33:35,320
Speaker 5: really just be able to connect and really understand what

718
00:33:35,400 --> 00:33:38,000
Speaker 5: investing is and make it just easier to do.

719
00:33:38,480 --> 00:33:38,600
Speaker 4: Well.

720
00:33:38,680 --> 00:33:40,360
Speaker 2: Let's talk about that. I mean, so, let me just

721
00:33:40,400 --> 00:33:43,000
Speaker 2: read a question from one of our listeners. Her name's Ariel.

722
00:33:43,120 --> 00:33:45,680
Speaker 2: She says she's twenty seven years old, and she's a

723
00:33:45,680 --> 00:33:47,720
Speaker 2: New York City public school teacher, and I think that

724
00:33:47,840 --> 00:33:53,040
Speaker 2: her question really sort of personifies the general feeling of

725
00:33:53,080 --> 00:33:56,600
Speaker 2: hesitation from young people around investing. She says, I was

726
00:33:56,640 --> 00:34:00,480
Speaker 2: wondering how can I responsiblely start investing and or purchase stock?

727
00:34:00,560 --> 00:34:03,040
Speaker 2: As someone who feels completely illiterate in terms of the

728
00:34:03,040 --> 00:34:06,000
Speaker 2: investment world, I've always wanted to explore and see if

729
00:34:06,000 --> 00:34:09,279
Speaker 2: there were any options for me. Like many people, I

730
00:34:09,320 --> 00:34:12,600
Speaker 2: have a few financial responsibilities like rent and bills that

731
00:34:12,640 --> 00:34:15,720
Speaker 2: I feel like are furthering my education. But I wouldn't

732
00:34:15,719 --> 00:34:18,239
Speaker 2: be able to put much money into investing, but I

733
00:34:18,239 --> 00:34:20,439
Speaker 2: would like to educate myself and I want to see

734
00:34:20,480 --> 00:34:23,960
Speaker 2: what my options might be. So that's a question from Ariel.

735
00:34:24,880 --> 00:34:26,480
Speaker 2: I mean, what do you say to people when they're like,

736
00:34:26,719 --> 00:34:28,399
Speaker 2: you know, I really don't feel like I know enough

737
00:34:28,440 --> 00:34:30,480
Speaker 2: to start investing. Where do I even start?

738
00:34:32,280 --> 00:34:34,280
Speaker 5: I mean to start? Of course, you know, Black markets

739
00:34:34,320 --> 00:34:38,000
Speaker 5: Change is a wonderful platform, but there are other avenues

740
00:34:38,000 --> 00:34:40,920
Speaker 5: out there, you know, investor pedias out there, and I

741
00:34:40,960 --> 00:34:43,520
Speaker 5: actually believe in, you know, some passive approaches kind of

742
00:34:43,520 --> 00:34:46,640
Speaker 5: like how a Rosetta Stone works. So you know, networks

743
00:34:46,680 --> 00:34:50,880
Speaker 5: like a CNBC, Fox Business or a Bloomberg even just

744
00:34:50,920 --> 00:34:54,160
Speaker 5: reading on Yahoo Finance or a market Watch can really

745
00:34:54,200 --> 00:34:56,720
Speaker 5: help someone to kind of understand the market's better simply

746
00:34:56,760 --> 00:34:58,240
Speaker 5: by being in that element.

747
00:34:58,560 --> 00:34:58,759
Speaker 3: You know.

748
00:34:59,040 --> 00:35:00,960
Speaker 5: It's it's almost like if you I don't want to

749
00:35:00,960 --> 00:35:03,240
Speaker 5: say exactly, but you know, if you go to sleep

750
00:35:03,280 --> 00:35:05,440
Speaker 5: and let's say you just have some something going on

751
00:35:05,600 --> 00:35:08,960
Speaker 5: in some headphones and it's about investing, you might pastly

752
00:35:09,000 --> 00:35:11,280
Speaker 5: gain that information. And I think that that is really

753
00:35:11,320 --> 00:35:14,839
Speaker 5: helpful for people to understand because one thing that I've

754
00:35:14,840 --> 00:35:17,360
Speaker 5: come across from some of my audience is that the

755
00:35:17,480 --> 00:35:21,719
Speaker 5: lingo is very hard to understand, and it's really just

756
00:35:21,840 --> 00:35:24,279
Speaker 5: throwing around a lot of different terms, but they really

757
00:35:24,360 --> 00:35:27,040
Speaker 5: end up meaning the same thing. And so, you know,

758
00:35:27,320 --> 00:35:29,600
Speaker 5: it's just a little bit intimidating at first. But if

759
00:35:29,640 --> 00:35:32,799
Speaker 5: you can find something a platform that you're comfortable with,

760
00:35:33,560 --> 00:35:36,080
Speaker 5: you know, regardless of where that may be at. There's

761
00:35:36,120 --> 00:35:39,520
Speaker 5: several financial blogs out there and platforms that can really

762
00:35:39,560 --> 00:35:44,440
Speaker 5: help people understand finances and investing at a very basic level.

763
00:35:44,640 --> 00:35:46,920
Speaker 5: And so really it's just finding that one to connect with.

764
00:35:47,360 --> 00:35:50,440
Speaker 2: Well, let me interrupt you, because I feel like, you know,

765
00:35:50,600 --> 00:35:53,040
Speaker 2: my younger brother included some young people I talked to,

766
00:35:53,480 --> 00:35:55,680
Speaker 2: They're like, you know, I can't even think about investing,

767
00:35:55,719 --> 00:35:57,640
Speaker 2: you know, I just want to save cash. You know,

768
00:35:57,680 --> 00:36:01,000
Speaker 2: I saw my parents go through hell during the recession.

769
00:36:01,840 --> 00:36:05,400
Speaker 2: I'm not willing to gamble in the stock market, so

770
00:36:05,480 --> 00:36:07,000
Speaker 2: I'm just gonna put everything I have in the savings

771
00:36:07,000 --> 00:36:09,319
Speaker 2: account and just figure it out later. I mean, what

772
00:36:09,360 --> 00:36:12,000
Speaker 2: do you say to people who aren't who feel like

773
00:36:12,080 --> 00:36:13,480
Speaker 2: cash is a safer investment.

774
00:36:15,480 --> 00:36:17,440
Speaker 5: I mean, it's great to have, of course, and you

775
00:36:17,480 --> 00:36:20,960
Speaker 5: need it for emergencies. However, when you look at something

776
00:36:21,000 --> 00:36:23,759
Speaker 5: such as inflation that's going to eat away at that

777
00:36:23,880 --> 00:36:26,799
Speaker 5: cash that's just standing idle. That's really going to hurt

778
00:36:26,800 --> 00:36:30,279
Speaker 5: you in the long run. So you know, you mentioned

779
00:36:30,320 --> 00:36:33,480
Speaker 5: the recession in the market going down. However, the market

780
00:36:33,520 --> 00:36:36,440
Speaker 5: tends to be cyclical, so over time it's always going

781
00:36:36,520 --> 00:36:40,520
Speaker 5: to end up recovering. And you know, since the nineteen twenties,

782
00:36:40,520 --> 00:36:44,320
Speaker 5: the market has returned on average about seven percent after inflation.

783
00:36:44,360 --> 00:36:46,440
Speaker 5: And when I say inflation, I mean on average your

784
00:36:46,480 --> 00:36:49,000
Speaker 5: money is worth or it has three percent less buying

785
00:36:49,040 --> 00:36:51,680
Speaker 5: power than it did before. So say, for instance, if

786
00:36:51,719 --> 00:36:54,759
Speaker 5: you say one hundred dollars this year, next year, it's

787
00:36:54,800 --> 00:36:56,759
Speaker 5: really only going to be able to purchase something at

788
00:36:56,760 --> 00:36:59,400
Speaker 5: about a ninety seven dollars price point, and that trend

789
00:36:59,480 --> 00:37:01,839
Speaker 5: is going to tinue on and on and on. So

790
00:37:02,000 --> 00:37:05,239
Speaker 5: the more you continue to only save that money is

791
00:37:05,280 --> 00:37:08,000
Speaker 5: going to be worth less in the future. And even

792
00:37:08,040 --> 00:37:11,120
Speaker 5: though from a dollar value it seems like it's a lot,

793
00:37:11,200 --> 00:37:14,000
Speaker 5: from an actual purchasing power, and what you can do

794
00:37:14,080 --> 00:37:16,879
Speaker 5: with that money isn't to your advantage, and that's why

795
00:37:16,920 --> 00:37:18,120
Speaker 5: investing is so important.

796
00:37:18,920 --> 00:37:21,719
Speaker 2: So it's sort of think of cash as money her

797
00:37:21,760 --> 00:37:24,719
Speaker 2: saving for money that you're gonna need really soon, and

798
00:37:24,840 --> 00:37:27,480
Speaker 2: investing is all about for the long term stuff that

799
00:37:27,520 --> 00:37:29,720
Speaker 2: you'll need later, like retirement funds.

800
00:37:29,440 --> 00:37:32,319
Speaker 5: Right exactly, And it's always great to have. I mean,

801
00:37:32,360 --> 00:37:34,319
Speaker 5: you're gonna want to have some cash when you are

802
00:37:34,320 --> 00:37:37,120
Speaker 5: in retirement, but specifically that cash is going to be

803
00:37:37,239 --> 00:37:39,160
Speaker 5: more so that you can dip into if you need

804
00:37:39,200 --> 00:37:41,480
Speaker 5: it now. You know, if you think about real estate,

805
00:37:41,880 --> 00:37:43,440
Speaker 5: if you have all your money tied up in real

806
00:37:43,560 --> 00:37:45,879
Speaker 5: estate and you have an emergency, it's hard to get

807
00:37:45,920 --> 00:37:48,719
Speaker 5: that money out. So that's why cash and even investments

808
00:37:48,800 --> 00:37:52,239
Speaker 5: for that matter, are great vehicles because they allow you

809
00:37:52,320 --> 00:37:55,880
Speaker 5: to obtain that cash quicker. And that's what you're saving

810
00:37:55,960 --> 00:37:57,279
Speaker 5: is really going to do. It's just gonna give you

811
00:37:57,320 --> 00:37:59,719
Speaker 5: that safety net, you know, for the interim until you

812
00:37:59,719 --> 00:38:01,560
Speaker 5: know you contain to build wealth over time.

813
00:38:02,360 --> 00:38:04,879
Speaker 2: Okay, so let's talk about the stock market for people

814
00:38:04,920 --> 00:38:06,839
Speaker 2: who don't know what is this? Like, what do you

815
00:38:06,880 --> 00:38:09,040
Speaker 2: What do people mean when they say the market, I'm

816
00:38:09,080 --> 00:38:11,680
Speaker 2: in the market, the market's up, the market's down. What's

817
00:38:11,719 --> 00:38:12,440
Speaker 2: the stock market?

818
00:38:13,560 --> 00:38:17,840
Speaker 5: So the stock market is actually in reference to just stocks,

819
00:38:18,280 --> 00:38:20,960
Speaker 5: and so you might people might think that it's associated

820
00:38:21,000 --> 00:38:23,840
Speaker 5: with bonds and you know, every other kind of vehicle,

821
00:38:23,880 --> 00:38:26,720
Speaker 5: could be real estate, whatever. But really the stock market

822
00:38:26,800 --> 00:38:29,400
Speaker 5: is specifically for stocks. Now, you might have something like

823
00:38:29,480 --> 00:38:33,200
Speaker 5: in exchange traded fund, which is similar to a mutual fund,

824
00:38:33,239 --> 00:38:35,960
Speaker 5: but it's kind of has more of the price friendliness

825
00:38:36,000 --> 00:38:39,360
Speaker 5: of a stock. But traditionally the stock market itself is

826
00:38:39,400 --> 00:38:42,760
Speaker 5: about stocks. But then you can have the bonds market.

827
00:38:42,840 --> 00:38:45,600
Speaker 5: You know, you can have a foreign currency or or

828
00:38:45,680 --> 00:38:49,000
Speaker 5: the four x marketplace. So the stock market itself is

829
00:38:49,000 --> 00:38:52,840
Speaker 5: specifically it's specifically about stocks. But since we're usually talking

830
00:38:52,880 --> 00:38:55,360
Speaker 5: in a general sense, when someone says like I'm in

831
00:38:55,440 --> 00:38:58,719
Speaker 5: the market, essentially they're just saying I'm investing in some

832
00:38:58,800 --> 00:39:01,280
Speaker 5: form or fashion, and it's traditionally going to be related

833
00:39:01,280 --> 00:39:02,480
Speaker 5: to stocks or bonds.

834
00:39:03,120 --> 00:39:05,160
Speaker 2: Now, stocks, what are those like? I'm trying to get

835
00:39:05,200 --> 00:39:06,960
Speaker 2: to the questions that people are too afraid to ask

836
00:39:06,960 --> 00:39:08,720
Speaker 2: because they think they sound stupid. What's a stock?

837
00:39:10,200 --> 00:39:12,440
Speaker 5: A stock is just ownership in a company. So you

838
00:39:12,440 --> 00:39:14,759
Speaker 5: may have heard of the term equity before. So if

839
00:39:14,760 --> 00:39:17,160
Speaker 5: you own shares of stock in a company, you have

840
00:39:17,200 --> 00:39:20,120
Speaker 5: equity or ownership in that company, and that's all that

841
00:39:20,120 --> 00:39:20,560
Speaker 5: it means.

842
00:39:20,880 --> 00:39:23,560
Speaker 2: Gotcha. One of the one of the things when people

843
00:39:23,560 --> 00:39:26,080
Speaker 2: ask me, you know, I want to start investing, like

844
00:39:26,360 --> 00:39:28,480
Speaker 2: where should I start trading stocks? And I'm like, whoa,

845
00:39:28,480 --> 00:39:30,920
Speaker 2: woo woo whoo, whoa, why do you feel the need

846
00:39:31,000 --> 00:39:34,520
Speaker 2: to trade stocks? Like people tend to forget that just

847
00:39:34,680 --> 00:39:37,880
Speaker 2: simply opening up a four to one K is a

848
00:39:37,880 --> 00:39:40,480
Speaker 2: form of investing. So, you know, what advice do you

849
00:39:40,480 --> 00:39:43,560
Speaker 2: have for people who you know are kind of torn

850
00:39:43,600 --> 00:39:45,719
Speaker 2: between should I open up before one K or should I,

851
00:39:45,800 --> 00:39:47,320
Speaker 2: you know, get a fidelity account?

852
00:39:48,680 --> 00:39:51,960
Speaker 5: Well as far as your four one K goes, definitely

853
00:39:51,960 --> 00:39:54,800
Speaker 5: looking to see if your company offers a match program.

854
00:39:55,080 --> 00:39:57,160
Speaker 5: And by a match program, I mean that they might

855
00:39:57,200 --> 00:39:59,919
Speaker 5: say for every you know, five percent of your check,

856
00:40:00,080 --> 00:40:02,160
Speaker 5: will match it up to one hundred percent of that

857
00:40:02,200 --> 00:40:05,000
Speaker 5: five percent. So if you put in, for example, one

858
00:40:05,080 --> 00:40:07,439
Speaker 5: hundred dollars, they'll match that one hundred dollars and they'll

859
00:40:07,440 --> 00:40:10,400
Speaker 5: do that every time you get paid. And that is

860
00:40:10,480 --> 00:40:13,839
Speaker 5: essentially free money. That's regardless of how the market is doing,

861
00:40:13,840 --> 00:40:16,280
Speaker 5: if it's going up or going down, they're just matching

862
00:40:16,320 --> 00:40:19,440
Speaker 5: your money. So in opening and getting a four one K,

863
00:40:19,719 --> 00:40:22,360
Speaker 5: it's highly recommended as long at least if there is

864
00:40:22,400 --> 00:40:25,480
Speaker 5: a match program in place. Now if you're if an

865
00:40:25,520 --> 00:40:29,040
Speaker 5: employer doesn't offer a match program. Then you have other

866
00:40:29,080 --> 00:40:31,759
Speaker 5: opportunities such as a traditional IRA, or which is an

867
00:40:31,760 --> 00:40:36,680
Speaker 5: individual retirement account a rough IRA. They essentially have different

868
00:40:36,719 --> 00:40:40,160
Speaker 5: tax implications, which you know may be another talk, but

869
00:40:40,200 --> 00:40:43,560
Speaker 5: those are ways for people to invest in for retirement

870
00:40:43,920 --> 00:40:47,640
Speaker 5: without necessarily tying it to their employer. And that's where

871
00:40:47,640 --> 00:40:49,840
Speaker 5: you know, a fidelity account will come into play, or

872
00:40:49,880 --> 00:40:52,759
Speaker 5: you know, something like a TD ameritrade or something like that.

873
00:40:53,200 --> 00:40:58,160
Speaker 2: Yeah, and I'm sorry, I was just gonna say having

874
00:40:58,200 --> 00:41:01,319
Speaker 2: an IRA. So basically, the IRA is basically it's just

875
00:41:01,360 --> 00:41:02,960
Speaker 2: like a four oh one K, except for you own

876
00:41:03,000 --> 00:41:05,520
Speaker 2: it yourself. It's not through your employer, so you take

877
00:41:05,560 --> 00:41:08,320
Speaker 2: it with you wherever you go when you search jobs.

878
00:41:09,000 --> 00:41:11,160
Speaker 2: Do you feel like everyone should have an IRA that

879
00:41:11,239 --> 00:41:14,120
Speaker 2: they have opened so that when they switch jobs they

880
00:41:14,120 --> 00:41:17,239
Speaker 2: can easily just like roll over their their four oh

881
00:41:17,280 --> 00:41:18,480
Speaker 2: one K into that IRA.

882
00:41:19,960 --> 00:41:22,560
Speaker 5: It's always great to have options, even if you're just

883
00:41:22,600 --> 00:41:26,120
Speaker 5: contributing you know, a little bit amount in there. I

884
00:41:26,160 --> 00:41:27,680
Speaker 5: definitely think it would be good to all. It's kind

885
00:41:27,680 --> 00:41:29,560
Speaker 5: of like life insurance. You know, when you have life

886
00:41:29,560 --> 00:41:33,080
Speaker 5: insurance through your job. Technically that's not really guaranteed because

887
00:41:33,120 --> 00:41:36,000
Speaker 5: it's tied to your job, so you kind of always

888
00:41:36,040 --> 00:41:38,000
Speaker 5: want to have a little bit extra outside, and so

889
00:41:38,040 --> 00:41:40,480
Speaker 5: I would look at getting an IRA in the same fashion.

890
00:41:40,920 --> 00:41:44,680
Speaker 5: You don't necessarily have to put, you know, exuberant amount

891
00:41:44,719 --> 00:41:47,120
Speaker 5: of money in there, and you know, until you're really

892
00:41:47,120 --> 00:41:49,840
Speaker 5: maxing out the full and K portion. However, it is

893
00:41:49,880 --> 00:41:53,040
Speaker 5: good to have something in place already. That way, in

894
00:41:53,080 --> 00:41:55,960
Speaker 5: the event something happens, that transition can happen quicker and

895
00:41:56,040 --> 00:41:56,719
Speaker 5: more efficiently.

896
00:41:57,800 --> 00:42:00,520
Speaker 2: So when people are looking I remember my job in

897
00:42:00,560 --> 00:42:03,120
Speaker 2: New York. Oh my god, I I knew nothing about

898
00:42:03,560 --> 00:42:05,400
Speaker 2: investing or what a four oh one K was. I

899
00:42:05,440 --> 00:42:08,120
Speaker 2: knew that we've I vaguely remember from orientation we had

900
00:42:08,160 --> 00:42:10,319
Speaker 2: a four oh one K. It wasn't until I left

901
00:42:10,320 --> 00:42:13,120
Speaker 2: two years later that I realized they matched and I

902
00:42:13,160 --> 00:42:16,319
Speaker 2: hadn't been contributing a nickel and I basically left all

903
00:42:16,320 --> 00:42:19,359
Speaker 2: that money on the table. But I didn't sign up

904
00:42:19,360 --> 00:42:22,400
Speaker 2: because I was so overwhelmed by the options. So for

905
00:42:22,480 --> 00:42:24,520
Speaker 2: people who are you know, they know they have a

906
00:42:24,560 --> 00:42:26,279
Speaker 2: four to one K or a four H three B

907
00:42:26,840 --> 00:42:29,600
Speaker 2: and their employer is like, here's your investment options, and

908
00:42:29,600 --> 00:42:31,520
Speaker 2: there's twenty of them, and they don't know what the heck,

909
00:42:31,560 --> 00:42:34,520
Speaker 2: all those letters mean, I mean, what's your advice for

910
00:42:34,560 --> 00:42:37,120
Speaker 2: someone who's just starting to figure out what's the right

911
00:42:37,320 --> 00:42:38,840
Speaker 2: investment for them.

912
00:42:39,760 --> 00:42:43,640
Speaker 5: They should definitely look into see who's running their account.

913
00:42:44,080 --> 00:42:47,080
Speaker 5: They can get that information from their human resources department,

914
00:42:47,320 --> 00:42:51,279
Speaker 5: you mean, right, right, So you know, you might be

915
00:42:51,320 --> 00:42:54,360
Speaker 5: employed by a company ABC, but they could be using

916
00:42:54,440 --> 00:42:56,839
Speaker 5: a Vanguard or a Fidelity to help manage your four

917
00:42:56,920 --> 00:42:59,279
Speaker 5: one K or four or three B and so you know,

918
00:42:59,320 --> 00:43:04,560
Speaker 5: whoever's managing your money, there's always somebody that you should

919
00:43:04,560 --> 00:43:06,560
Speaker 5: be able to get in contact with at that company,

920
00:43:06,760 --> 00:43:08,960
Speaker 5: and someone should be able to assist you in regards

921
00:43:08,960 --> 00:43:12,200
Speaker 5: to choices. Now, usually when you are opening your full

922
00:43:12,239 --> 00:43:14,759
Speaker 5: and care you know, a retirement account with their employer,

923
00:43:15,040 --> 00:43:17,000
Speaker 5: they're going to give you, you know, kind of like

924
00:43:17,040 --> 00:43:19,319
Speaker 5: a pans lit with all these different options in there,

925
00:43:19,360 --> 00:43:21,719
Speaker 5: and that can seem overwhelming, and that's when you want

926
00:43:21,760 --> 00:43:24,360
Speaker 5: to reach out to that financial professional at that company

927
00:43:24,400 --> 00:43:28,960
Speaker 5: to help you. I know, my current job, we were

928
00:43:28,960 --> 00:43:32,040
Speaker 5: actually brought out by another organization and they had a

929
00:43:32,200 --> 00:43:35,799
Speaker 5: representative from the financial institution come and sit down with

930
00:43:35,880 --> 00:43:39,080
Speaker 5: every employee as they were setting up their account, kind

931
00:43:39,120 --> 00:43:42,200
Speaker 5: of explaining everything. So you know, if you think about it,

932
00:43:42,239 --> 00:43:45,319
Speaker 5: these different funds out here have fees tied to them,

933
00:43:45,640 --> 00:43:47,879
Speaker 5: so you're paying for those services. A lot of times

934
00:43:47,920 --> 00:43:49,799
Speaker 5: people just don't know that that comes with what you're

935
00:43:49,840 --> 00:43:51,920
Speaker 5: paying for. So, you know, the best thing that you

936
00:43:51,920 --> 00:43:53,239
Speaker 5: can do is just ask, you know.

937
00:43:53,840 --> 00:43:56,839
Speaker 2: How do you feel about target date funds? Target date

938
00:43:56,920 --> 00:44:02,280
Speaker 2: funds are basically your in according to your age, according

939
00:44:02,280 --> 00:44:05,839
Speaker 2: to your projected retirement date, and they're supposed to be

940
00:44:05,880 --> 00:44:07,799
Speaker 2: like a set it and forget it type thing. Like

941
00:44:07,960 --> 00:44:10,160
Speaker 2: it's like it's like kind of going to a buffet

942
00:44:10,239 --> 00:44:13,600
Speaker 2: where you get a little bit of everything, and it's

943
00:44:13,600 --> 00:44:15,760
Speaker 2: supposed to be like the easy way for young people

944
00:44:15,760 --> 00:44:19,040
Speaker 2: to get into investing. What's your take on target date

945
00:44:19,080 --> 00:44:21,080
Speaker 2: funds and is that a smart move to make when

946
00:44:21,120 --> 00:44:22,040
Speaker 2: you're just starting out.

947
00:44:23,320 --> 00:44:25,560
Speaker 5: I think target day funds are definitely a good move

948
00:44:25,640 --> 00:44:29,520
Speaker 5: to make. However, you know, I wouldn't try to spread

949
00:44:29,560 --> 00:44:32,319
Speaker 5: across so many different funds because I mentioned, you know,

950
00:44:32,400 --> 00:44:34,440
Speaker 5: not too long ago, that there's several options that you

951
00:44:34,480 --> 00:44:38,000
Speaker 5: may be presented with. Also, you don't necessarily have to

952
00:44:38,040 --> 00:44:42,160
Speaker 5: look at just the target date based on you know,

953
00:44:42,280 --> 00:44:44,480
Speaker 5: one year when you plan to retire. You know, maybe

954
00:44:44,600 --> 00:44:47,000
Speaker 5: look at a couple of different years and see what

955
00:44:47,160 --> 00:44:49,400
Speaker 5: is within those funds, and if you do, you know,

956
00:44:49,560 --> 00:44:52,400
Speaker 5: look into more than one fund at a time, just

957
00:44:52,440 --> 00:44:55,279
Speaker 5: see what is in them, because you know, you may

958
00:44:55,440 --> 00:44:57,560
Speaker 5: you may have heard of it. Where the younger you are,

959
00:44:57,600 --> 00:44:59,560
Speaker 5: the more the riskier that you can be with your

960
00:44:59,600 --> 00:45:02,839
Speaker 5: money or with your investments. So people tend to tend

961
00:45:02,840 --> 00:45:05,440
Speaker 5: to be you know, stock heavy and not necessarily as

962
00:45:05,520 --> 00:45:07,520
Speaker 5: much as in bonds. And the older you get, the

963
00:45:07,520 --> 00:45:10,320
Speaker 5: more that kind of shifts in the vice versa direction.

964
00:45:10,880 --> 00:45:13,720
Speaker 5: And so really just looking at what is in those funds.

965
00:45:13,800 --> 00:45:16,240
Speaker 5: Is it bond heavy? Is it is it stock heavy?

966
00:45:16,600 --> 00:45:19,680
Speaker 5: Does it pay dividends out from the fund? These are

967
00:45:19,760 --> 00:45:22,319
Speaker 5: things that you can look for with that fund. What

968
00:45:22,440 --> 00:45:26,440
Speaker 5: is the performance history of that fund? What's the management

969
00:45:26,520 --> 00:45:28,880
Speaker 5: history of that fund? If you have ten managers in

970
00:45:28,920 --> 00:45:31,600
Speaker 5: ten years, even though that might be the target fund

971
00:45:31,600 --> 00:45:33,920
Speaker 5: for when you plan to retire, does that mean that

972
00:45:33,960 --> 00:45:36,080
Speaker 5: it's a good fund because of that high turnover? You know,

973
00:45:36,080 --> 00:45:39,000
Speaker 5: that's something to consider and once again that that's something

974
00:45:39,000 --> 00:45:42,280
Speaker 5: that you know, the financial financial professional at that institution

975
00:45:42,400 --> 00:45:44,480
Speaker 5: can really sit down with you and kind of explain

976
00:45:44,520 --> 00:45:47,080
Speaker 5: those different options and what they mean. You know, even

977
00:45:47,200 --> 00:45:49,600
Speaker 5: just basic down to what is a stock, what is

978
00:45:49,600 --> 00:45:52,920
Speaker 5: a bond, what is a dividend, what is an expense ratio?

979
00:45:53,840 --> 00:45:55,960
Speaker 5: You know, just things of that nature, And so it

980
00:45:56,000 --> 00:45:58,719
Speaker 5: can really be beneficial using a target day fund. Just

981
00:45:58,800 --> 00:46:01,160
Speaker 5: make sure that you're not just only setting it and

982
00:46:01,160 --> 00:46:02,920
Speaker 5: forgetting it. You want to read the fine print and

983
00:46:03,000 --> 00:46:04,759
Speaker 5: kind of research a little bit more to make sure

984
00:46:05,040 --> 00:46:06,640
Speaker 5: that it's going to be the right move for you.

985
00:46:07,280 --> 00:46:10,520
Speaker 2: And I know a lot of people like they think

986
00:46:10,560 --> 00:46:12,239
Speaker 2: a target day fund like they should get a bunch

987
00:46:12,239 --> 00:46:14,080
Speaker 2: of different ones. But a target day fund is meant

988
00:46:14,120 --> 00:46:15,960
Speaker 2: to be an all in one solution, Like you just

989
00:46:16,000 --> 00:46:19,920
Speaker 2: need one target date fund because it's already diversified within itself.

990
00:46:20,000 --> 00:46:24,160
Speaker 5: Right, Yes, yes it is, And that's what I was saying,

991
00:46:24,200 --> 00:46:26,640
Speaker 5: Like it can have different variables in it. It's just

992
00:46:26,719 --> 00:46:30,239
Speaker 5: what are those variables that are within it? And you know,

993
00:46:30,360 --> 00:46:33,000
Speaker 5: how risk averse do you want to be or how

994
00:46:33,040 --> 00:46:35,359
Speaker 5: tolerant are you? You know I mentioned about some could

995
00:46:35,400 --> 00:46:38,320
Speaker 5: be more stock heavy, some could be more bond heavy,

996
00:46:38,400 --> 00:46:41,480
Speaker 5: some might pay dividends, Some might have more exposure in

997
00:46:41,480 --> 00:46:44,600
Speaker 5: international markets than others. So those are the things that

998
00:46:44,640 --> 00:46:47,120
Speaker 5: you want to look at when choosing one. And then

999
00:46:47,239 --> 00:46:50,400
Speaker 5: you know, try to you can be diversified within one fund,

1000
00:46:50,600 --> 00:46:52,200
Speaker 5: just try to make sure that you have a nice

1001
00:46:52,280 --> 00:46:53,239
Speaker 5: balance within there.

1002
00:46:54,080 --> 00:46:57,680
Speaker 2: I mean, why is it important for people to invest early?

1003
00:46:57,960 --> 00:47:00,400
Speaker 2: We talk a lot about young people. Why all the

1004
00:47:00,400 --> 00:47:02,320
Speaker 2: pressure to start doing it when you're so young.

1005
00:47:03,320 --> 00:47:05,520
Speaker 5: I mean, we've all heard of the phrase compound interest.

1006
00:47:05,960 --> 00:47:07,800
Speaker 5: We know that that's the eighth winder of the world.

1007
00:47:07,880 --> 00:47:11,759
Speaker 5: So the sooner you start there, the more time you

1008
00:47:11,840 --> 00:47:15,799
Speaker 5: have to accumulate wealth. And by that, you know, if

1009
00:47:15,840 --> 00:47:19,239
Speaker 5: you're making on average, you know, a certain percentage every year.

1010
00:47:19,719 --> 00:47:21,840
Speaker 5: You have to think about it. You know, for example,

1011
00:47:21,880 --> 00:47:25,440
Speaker 5: ten percent of one dollar one year is less than

1012
00:47:25,440 --> 00:47:27,799
Speaker 5: ten percent of ten dollars the next year. And so

1013
00:47:27,840 --> 00:47:29,919
Speaker 5: the more you contribute, the more that your money makes

1014
00:47:29,960 --> 00:47:33,920
Speaker 5: over time. That percentage amount might stay the same on average,

1015
00:47:34,239 --> 00:47:37,319
Speaker 5: but the amount it actually means in dollar value is

1016
00:47:37,360 --> 00:47:39,440
Speaker 5: going to be more, which is going to help you

1017
00:47:39,480 --> 00:47:41,960
Speaker 5: achieve your goal faster and get to retirement and live

1018
00:47:42,040 --> 00:47:43,279
Speaker 5: comfortably in retirement.

1019
00:47:44,160 --> 00:47:47,120
Speaker 2: It's amazing what happens when you just like let time work.

1020
00:47:48,120 --> 00:47:51,560
Speaker 2: I wish I was twenty four when I started finally

1021
00:47:51,600 --> 00:47:54,560
Speaker 2: got my life together and started investing, And I think

1022
00:47:54,600 --> 00:47:56,719
Speaker 2: I just started putting away five or six percent and

1023
00:47:56,719 --> 00:47:59,439
Speaker 2: then eventually ten and eleven percent. When I was trying

1024
00:47:59,480 --> 00:48:02,319
Speaker 2: to you know, when I got a raise and I

1025
00:48:02,400 --> 00:48:04,440
Speaker 2: moved to a new job and I just checked my account,

1026
00:48:04,480 --> 00:48:08,080
Speaker 2: I have forty thousand dollars in only four years, four.

1027
00:48:08,040 --> 00:48:11,000
Speaker 5: Or five years exactly. And a lot of times that's

1028
00:48:11,000 --> 00:48:12,600
Speaker 5: how it happens. You look up and you're like, wait

1029
00:48:12,640 --> 00:48:14,879
Speaker 5: a minute, where'd all that money come from? And it's

1030
00:48:15,040 --> 00:48:17,879
Speaker 5: it's you know, life insurance kind of works similar with

1031
00:48:18,040 --> 00:48:20,640
Speaker 5: whole life, and you think about cash value a lot

1032
00:48:20,640 --> 00:48:22,640
Speaker 5: of times. You always hear once you get about seven

1033
00:48:22,719 --> 00:48:26,040
Speaker 5: or eight years that cash value really kicks into your benefit.

1034
00:48:26,400 --> 00:48:29,000
Speaker 5: And it just works the same way when you're talking

1035
00:48:29,040 --> 00:48:32,280
Speaker 5: about investing in the markets, and you know a prime example,

1036
00:48:32,360 --> 00:48:34,319
Speaker 5: I have an account for my daughter, she's two years

1037
00:48:34,360 --> 00:48:38,040
Speaker 5: old now, and I do savings challenges to apply money

1038
00:48:38,040 --> 00:48:42,200
Speaker 5: in there. I invest in you know, particular opportunities, and

1039
00:48:42,239 --> 00:48:44,279
Speaker 5: by the time you know, she's in high school, my

1040
00:48:44,360 --> 00:48:46,120
Speaker 5: goal is for her to have a set amount in

1041
00:48:46,160 --> 00:48:48,680
Speaker 5: her account already, so that way when it's time to

1042
00:48:48,680 --> 00:48:51,239
Speaker 5: go to college, we have that option for money she

1043
00:48:51,320 --> 00:48:53,560
Speaker 5: wants to start a business, whatever it is that she

1044
00:48:53,600 --> 00:48:56,239
Speaker 5: wants to do now that the option is there, and then,

1045
00:48:56,560 --> 00:48:59,080
Speaker 5: of course I hope that when she has her children

1046
00:48:59,320 --> 00:49:02,520
Speaker 5: it just continue on and on and that generational wealth

1047
00:49:02,880 --> 00:49:04,080
Speaker 5: is really in place.

1048
00:49:04,719 --> 00:49:06,920
Speaker 2: Also, she's really cute. You gotta go check out his blog.

1049
00:49:07,560 --> 00:49:09,960
Speaker 2: I didn't even mention the website, the the b m

1050
00:49:10,200 --> 00:49:11,440
Speaker 2: EX dot.

1051
00:49:11,200 --> 00:49:13,560
Speaker 5: Com, right, yes, yes.

1052
00:49:13,600 --> 00:49:18,440
Speaker 2: THEBMEX dot com, the Black Market Exchange, and real quick,

1053
00:49:18,920 --> 00:49:21,279
Speaker 2: let us talk about where to start. Okay, we talked

1054
00:49:21,320 --> 00:49:23,680
Speaker 2: a little bit about the four oh one K, but

1055
00:49:23,960 --> 00:49:28,400
Speaker 2: some of these companies, Vanguard Fidelity, Charles Schwab, they they require,

1056
00:49:28,680 --> 00:49:31,440
Speaker 2: you know, five hundred thousand dollars to open an account.

1057
00:49:31,480 --> 00:49:33,680
Speaker 2: What if you don't even have the money to open

1058
00:49:33,760 --> 00:49:35,160
Speaker 2: up an IRA right now?

1059
00:49:36,920 --> 00:49:39,800
Speaker 5: There are several other options that have come about nowadays.

1060
00:49:39,840 --> 00:49:41,640
Speaker 5: I mean, if you look at a company like an

1061
00:49:41,640 --> 00:49:45,400
Speaker 5: Acorn's Betterment, they're allowing people to start investing with a

1062
00:49:45,400 --> 00:49:48,200
Speaker 5: little less five dollars and you know, maybe one hundred

1063
00:49:48,200 --> 00:49:51,840
Speaker 5: dollars contribution. So those are they're definitely a lot of

1064
00:49:51,880 --> 00:49:56,720
Speaker 5: outlets available to people, specifically if you don't have those amounts,

1065
00:49:56,800 --> 00:49:59,040
Speaker 5: and you know that kind of goes to investing was

1066
00:49:59,080 --> 00:50:02,239
Speaker 5: always reserved for extremely wealthy well, there are a lot

1067
00:50:02,280 --> 00:50:06,000
Speaker 5: of firms that are coming out that are realizing clearly

1068
00:50:06,040 --> 00:50:08,560
Speaker 5: everyone is not extremely wealthy, so what can we do

1069
00:50:08,600 --> 00:50:11,320
Speaker 5: for the for everyone else? And you know, just a

1070
00:50:11,360 --> 00:50:13,839
Speaker 5: lot of opportunities are coming about to where people can

1071
00:50:13,880 --> 00:50:16,680
Speaker 5: start investing. And it might not sound like a lot

1072
00:50:16,760 --> 00:50:19,400
Speaker 5: doing five and ten dollars here and there, but that

1073
00:50:19,520 --> 00:50:22,399
Speaker 5: compound interest is lovely when it kicks in over time.

1074
00:50:22,480 --> 00:50:24,680
Speaker 5: So you just have to be patient and just wait

1075
00:50:24,760 --> 00:50:25,040
Speaker 5: it out.

1076
00:50:25,960 --> 00:50:28,960
Speaker 2: Now, exactly what I get this question a lot too.

1077
00:50:29,000 --> 00:50:31,040
Speaker 2: How much is enough? You know, five ten dollars is

1078
00:50:31,080 --> 00:50:33,239
Speaker 2: one thing, But what if you you know, you're you're

1079
00:50:33,280 --> 00:50:35,719
Speaker 2: getting a steady paycheck and you're you know, you have

1080
00:50:35,760 --> 00:50:38,800
Speaker 2: your little twenty percent for your your student loan payment

1081
00:50:38,880 --> 00:50:40,680
Speaker 2: or whatever. I mean, how do you decide how much

1082
00:50:40,719 --> 00:50:43,360
Speaker 2: you set aside for retirement or investing.

1083
00:50:43,600 --> 00:50:46,040
Speaker 5: I would say, just just start with a goal and

1084
00:50:46,080 --> 00:50:48,440
Speaker 5: see what's comfortable within your budget. So maybe if you

1085
00:50:48,480 --> 00:50:51,359
Speaker 5: do start with five percent of your paycheck and you know,

1086
00:50:51,400 --> 00:50:53,680
Speaker 5: see how that goes for you know, a few months,

1087
00:50:53,960 --> 00:50:55,880
Speaker 5: if everything seems to be okay, you still have a

1088
00:50:55,920 --> 00:50:58,719
Speaker 5: little extra cash, maybe bump it up to you know,

1089
00:50:58,920 --> 00:51:01,880
Speaker 5: six or seven percent and just continue on in that process.

1090
00:51:02,280 --> 00:51:04,600
Speaker 5: It's similar to with the full one k that we mentioned.

1091
00:51:04,680 --> 00:51:06,719
Speaker 5: Usually when you start with the four one k, you

1092
00:51:06,760 --> 00:51:08,960
Speaker 5: might start with the lower percentage of your paycheck. But

1093
00:51:09,000 --> 00:51:11,920
Speaker 5: as you grow older, you know your expenses are probably

1094
00:51:12,000 --> 00:51:13,920
Speaker 5: less and so you have extra money that you can

1095
00:51:13,960 --> 00:51:16,719
Speaker 5: start contributing more and more, and so it works the

1096
00:51:16,719 --> 00:51:20,040
Speaker 5: same way. However you plan to invest, just simply start

1097
00:51:20,080 --> 00:51:22,839
Speaker 5: within amount or you know, percentage however you want to

1098
00:51:22,880 --> 00:51:25,920
Speaker 5: look at it, and then just start increasing that as

1099
00:51:26,280 --> 00:51:27,720
Speaker 5: comfortable within your budget.

1100
00:51:28,600 --> 00:51:32,000
Speaker 2: Just start period right, just like do it, don't wish exactly,

1101
00:51:32,480 --> 00:51:34,160
Speaker 2: don't wait until you're smart enough. Do you get that?

1102
00:51:34,200 --> 00:51:36,319
Speaker 2: I mean I feel like sometimes people are like, wo,

1103
00:51:36,640 --> 00:51:38,600
Speaker 2: I'm not an expert yet, Like I don't have a

1104
00:51:38,640 --> 00:51:41,759
Speaker 2: degree in finance, so I can't possibly start investing. But

1105
00:51:41,800 --> 00:51:43,959
Speaker 2: you really it may feel like that, but you don't.

1106
00:51:44,040 --> 00:51:46,200
Speaker 2: You don't have to know everything. You just need to

1107
00:51:46,280 --> 00:51:48,960
Speaker 2: know a little bit of the right stuff. And to that, man,

1108
00:51:49,080 --> 00:51:50,680
Speaker 2: I mean, if you're going to tell people that start

1109
00:51:50,719 --> 00:51:52,560
Speaker 2: to interrupt. But if you're going to tell people, you know,

1110
00:51:52,640 --> 00:51:56,520
Speaker 2: here are the three or four websites or resources I

1111
00:51:56,520 --> 00:51:59,239
Speaker 2: would tell someone who's just getting started and wants to

1112
00:51:59,280 --> 00:52:01,040
Speaker 2: learn more about in sing where would you tell them

1113
00:52:01,040 --> 00:52:01,319
Speaker 2: to go?

1114
00:52:03,000 --> 00:52:06,919
Speaker 5: Of course, black Market Exchange. Uh, they'll be mixed site.

1115
00:52:06,960 --> 00:52:10,000
Speaker 5: We get it, we get it, so of course. But

1116
00:52:10,239 --> 00:52:14,000
Speaker 5: but yeah, investor Pedia is you know, that's that's definitely

1117
00:52:14,120 --> 00:52:17,320
Speaker 5: an end all be all in terms of just definitions.

1118
00:52:17,719 --> 00:52:20,160
Speaker 5: They have a lot of videos on there. So invested

1119
00:52:20,200 --> 00:52:24,640
Speaker 5: Pedia is a great website. Yahoo Finance, Hey ya, Yahoo Finance.

1120
00:52:25,040 --> 00:52:27,400
Speaker 5: I almost consider that like the Holy Grail when it

1121
00:52:27,400 --> 00:52:31,879
Speaker 5: comes to just getting news and information. It's very easy there.

1122
00:52:32,000 --> 00:52:35,400
Speaker 5: I love their the app. It's just a great resource

1123
00:52:35,440 --> 00:52:39,040
Speaker 5: to go to. And another I would say is MarketWatch.

1124
00:52:39,160 --> 00:52:41,799
Speaker 5: Market Watches is similar to a Yahoo Finance as well,

1125
00:52:42,000 --> 00:52:45,280
Speaker 5: and you know that's just maybe kind of a user

1126
00:52:45,360 --> 00:52:48,160
Speaker 5: experience kind of thing. But I would say investor Pedia,

1127
00:52:48,239 --> 00:52:49,720
Speaker 5: Yahoo Finance.

1128
00:52:49,480 --> 00:52:49,880
Speaker 3: And.

1129
00:52:51,280 --> 00:52:54,080
Speaker 5: Uh market Watch are great resources to go to for

1130
00:52:54,080 --> 00:52:54,719
Speaker 5: for information.

1131
00:52:55,680 --> 00:52:57,920
Speaker 2: Excellent. Well, Eric, thank you so much for coming on

1132
00:52:58,000 --> 00:53:00,360
Speaker 2: and talking about investing. I feel like we just scratch

1133
00:53:00,400 --> 00:53:02,640
Speaker 2: the surface. But I don't want to overwhelm the people.

1134
00:53:02,880 --> 00:53:05,440
Speaker 2: I know what it can feel like, just get overwhelmed.

1135
00:53:05,440 --> 00:53:07,520
Speaker 2: But we'll definitely have you back on. This was really

1136
00:53:07,560 --> 00:53:08,320
Speaker 2: fun and interesting.

1137
00:53:09,800 --> 00:53:12,560
Speaker 5: Thank you. I appreciate the opportunity and I love what

1138
00:53:12,560 --> 00:53:13,279
Speaker 5: you guys are doing.

1139
00:53:13,600 --> 00:53:15,799
Speaker 2: Mike Wise and everybody. You can go check out Eric.

1140
00:53:15,920 --> 00:53:18,320
Speaker 2: You can find him at the b b as in

1141
00:53:18,440 --> 00:53:21,360
Speaker 2: boy e m X. Wait was that right? No, let

1142
00:53:21,400 --> 00:53:23,279
Speaker 2: me do that again. You can find him at the

1143
00:53:23,400 --> 00:53:26,680
Speaker 2: b m e X dot com and on Twitter. He

1144
00:53:26,800 --> 00:53:29,919
Speaker 2: is hip hop stock doc here.

1145
00:53:29,920 --> 00:53:30,520
Speaker 1: It is.

1146
00:53:39,680 --> 00:53:43,080
Speaker 2: All right. So let's cap off the election day with

1147
00:53:43,120 --> 00:53:46,759
Speaker 2: some good news and some wins. If you want to

1148
00:53:46,760 --> 00:53:49,640
Speaker 2: go first, yeah, I'll go first. So it's actually I

1149
00:53:49,680 --> 00:53:51,640
Speaker 2: read a really sad headline. You know, I've been reading

1150
00:53:51,640 --> 00:53:55,480
Speaker 2: a lot everyone has about the refugee crisis happening in Syria.

1151
00:53:55,719 --> 00:53:59,280
Speaker 2: And I just saw today another boat full of people

1152
00:54:00,280 --> 00:54:04,680
Speaker 2: off the coast of Libya. Two hundred refugees drowned at sea.

1153
00:54:04,760 --> 00:54:07,920
Speaker 2: And that's just the start of it. Hundreds thousands, maybe

1154
00:54:08,080 --> 00:54:12,120
Speaker 2: people have died trying to flee from their countries. And anyway,

1155
00:54:12,239 --> 00:54:14,520
Speaker 2: it got me thinking about the story I read about

1156
00:54:14,560 --> 00:54:18,760
Speaker 2: the founder of Chobani, you know, everyone's favorite yogurt. Oh yeah,

1157
00:54:18,840 --> 00:54:21,760
Speaker 2: And I didn't realize is that the founder he's actually

1158
00:54:21,840 --> 00:54:25,719
Speaker 2: of Turkish. He's a Turkish immigrant of Kurdish descent, and

1159
00:54:25,760 --> 00:54:28,200
Speaker 2: he bought the factory in New York and he employees

1160
00:54:28,239 --> 00:54:31,120
Speaker 2: two thousand people making all Greek yogurt. His name is

1161
00:54:31,160 --> 00:54:33,759
Speaker 2: Hamdi Ulukaya, And so I saw a story in the

1162
00:54:33,800 --> 00:54:38,400
Speaker 2: Times about how he's Caughton. He's cotton. Wow, I'm educated.

1163
00:54:38,640 --> 00:54:42,680
Speaker 2: He's got a lot of flack from conservative bloggers and

1164
00:54:42,680 --> 00:54:45,799
Speaker 2: stuff because he's made an effort to employ more than

1165
00:54:45,840 --> 00:54:49,160
Speaker 2: three hundred refugees in his factory. He started a whole

1166
00:54:49,160 --> 00:54:53,480
Speaker 2: foundation to help migrants, and he's been traveling to Greece

1167
00:54:53,600 --> 00:54:57,839
Speaker 2: to bring awareness to the refugee crisis. Now there's been

1168
00:54:57,880 --> 00:55:00,920
Speaker 2: calls to boycott Chobani, like people a being that petty.

1169
00:55:01,360 --> 00:55:02,760
Speaker 2: I tried the boy some yogurt.

1170
00:55:03,880 --> 00:55:09,480
Speaker 3: I just don't understand, like why people get angry when

1171
00:55:10,800 --> 00:55:13,560
Speaker 3: like non like when brown people are trying to help

1172
00:55:13,600 --> 00:55:15,600
Speaker 3: other people. I just don't understand, Like what is the

1173
00:55:16,320 --> 00:55:18,319
Speaker 3: why can't or not even that because I won't say brown,

1174
00:55:18,360 --> 00:55:21,480
Speaker 3: but like if you're what is so terrible about wanting

1175
00:55:21,520 --> 00:55:23,719
Speaker 3: to help people because.

1176
00:55:23,360 --> 00:55:27,040
Speaker 2: They're taking our resources right, women and children.

1177
00:55:27,920 --> 00:55:30,399
Speaker 1: It's just so crazy to me, And I'm just like,

1178
00:55:30,560 --> 00:55:33,600
Speaker 1: I just it's racism, Yeah, it is, honestly, that's just

1179
00:55:33,680 --> 00:55:35,680
Speaker 1: what it is. It's just like flat out.

1180
00:55:36,080 --> 00:55:38,920
Speaker 3: I'm racist, and I don't want anybody to benefit that

1181
00:55:38,960 --> 00:55:41,719
Speaker 3: doesn't that doesn't believe in the same religion I believe in,

1182
00:55:41,760 --> 00:55:43,960
Speaker 3: that doesn't look like me, that doesn't.

1183
00:55:44,480 --> 00:55:45,160
Speaker 1: I don't even know.

1184
00:55:45,239 --> 00:55:47,040
Speaker 3: It's just so crazy to me. But I'm like, you

1185
00:55:47,080 --> 00:55:50,520
Speaker 3: know what you're losing, Like it's a losing battle tower

1186
00:55:50,560 --> 00:55:52,479
Speaker 3: records Sam Goodie, Like.

1187
00:55:53,680 --> 00:55:57,480
Speaker 2: What is it by twenty forty two majority minorities in

1188
00:55:57,480 --> 00:55:59,799
Speaker 2: the United States? Like we come in, we're here, we out.

1189
00:56:00,800 --> 00:56:03,760
Speaker 3: But because your son loves some jay Z and Beyonce,

1190
00:56:03,920 --> 00:56:06,719
Speaker 3: so he's looking for him, so crazy in love, and

1191
00:56:06,800 --> 00:56:08,279
Speaker 3: he's going to be going to break the cycle and

1192
00:56:08,360 --> 00:56:10,279
Speaker 3: you're gonna have a brown grand baby.

1193
00:56:11,000 --> 00:56:12,759
Speaker 2: Everybody go buy some show. Banni. I wanted to. I

1194
00:56:12,800 --> 00:56:14,560
Speaker 2: just wanted to make him my win because I feel like,

1195
00:56:14,600 --> 00:56:17,000
Speaker 2: not only is it an immigrant helping other migrants, but

1196
00:56:17,960 --> 00:56:20,880
Speaker 2: it's just a it's it's the reason why we need

1197
00:56:20,920 --> 00:56:25,840
Speaker 2: people of diverse backgrounds in positions of power. He started

1198
00:56:25,840 --> 00:56:29,240
Speaker 2: this company from scratch, he employs two thousand people, and

1199
00:56:28,520 --> 00:56:31,319
Speaker 2: he doesn't have to go out of his way to

1200
00:56:31,520 --> 00:56:34,799
Speaker 2: give these these migrants jobs, you know, but you know,

1201
00:56:34,920 --> 00:56:37,200
Speaker 2: I think who better to understand what they're going through

1202
00:56:37,239 --> 00:56:40,040
Speaker 2: than someone who immigrated here as well. And I don't know,

1203
00:56:40,040 --> 00:56:42,120
Speaker 2: I just thought that kind of counteracted all that. It's

1204
00:56:42,160 --> 00:56:44,759
Speaker 2: just it's really sad what's happening. I think people sort

1205
00:56:44,760 --> 00:56:48,040
Speaker 2: of feel powerless to help these people who are dying,

1206
00:56:48,600 --> 00:56:51,359
Speaker 2: you know, trying to flee to the United States. And

1207
00:56:51,400 --> 00:56:55,120
Speaker 2: I'm I'm it's unfortunate that people are trying to boycott

1208
00:56:55,400 --> 00:56:57,319
Speaker 2: a yogurt company now for trying to do some good

1209
00:56:57,320 --> 00:56:59,960
Speaker 2: in the world. But I just wanted to say, mister Ulukayah,

1210
00:57:00,160 --> 00:57:03,040
Speaker 2: I'm going to go buy some shabani to support you,

1211
00:57:03,080 --> 00:57:05,600
Speaker 2: even though it has a lot of sugar and that's

1212
00:57:05,640 --> 00:57:08,000
Speaker 2: not good for you. But I mean, I'll get the

1213
00:57:08,560 --> 00:57:10,360
Speaker 2: non fat, sugar free one.

1214
00:57:11,400 --> 00:57:13,040
Speaker 1: Well, mine is also a win.

1215
00:57:13,360 --> 00:57:18,520
Speaker 3: I want to celebrate Mary Katani. I think I'm saying

1216
00:57:18,560 --> 00:57:21,520
Speaker 3: her name right. Katani thirty four years old of Kenya.

1217
00:57:21,880 --> 00:57:25,040
Speaker 3: She collected her third consecutive victory at the New York

1218
00:57:25,080 --> 00:57:28,360
Speaker 3: City Marathon on Sunday. I saw so many great marathon

1219
00:57:29,000 --> 00:57:32,080
Speaker 3: pictures and videos on my timeline and she's the first

1220
00:57:32,120 --> 00:57:35,200
Speaker 3: woman to do so since Greta Waltz in two thousand

1221
00:57:35,240 --> 00:57:37,200
Speaker 3: and nineteen eighty six.

1222
00:57:37,640 --> 00:57:39,040
Speaker 2: Oh, where's she from.

1223
00:57:39,520 --> 00:57:42,880
Speaker 3: She's from Kenya. Oh well, gret they don't say what

1224
00:57:43,600 --> 00:57:46,560
Speaker 3: where she's from. But Mary is from Kenya, which I

1225
00:57:46,560 --> 00:57:49,280
Speaker 3: think is so dope. And the fact that she did

1226
00:57:49,320 --> 00:57:53,280
Speaker 3: it three times. I'm in a row, which is really awesome.

1227
00:57:54,280 --> 00:57:55,680
Speaker 2: What is it? What is it about Kenya?

1228
00:57:55,720 --> 00:57:55,959
Speaker 1: Man?

1229
00:57:57,440 --> 00:58:02,880
Speaker 2: Holy crap, did you just see swear? I've got to

1230
00:58:02,880 --> 00:58:06,080
Speaker 2: get out of here. I can't even. I'm a professional

1231
00:58:06,080 --> 00:58:08,960
Speaker 2: woman trying to do a podcast and my mother in

1232
00:58:09,080 --> 00:58:09,880
Speaker 2: law is yodling.

1233
00:58:10,960 --> 00:58:13,640
Speaker 1: You can have singing, mother in law. We're now, we're even.

1234
00:58:17,600 --> 00:58:20,120
Speaker 3: You know. What I've heard about Kenya is that the air,

1235
00:58:20,560 --> 00:58:24,439
Speaker 3: the air is thinner, so your your lungs begin learn

1236
00:58:24,480 --> 00:58:26,000
Speaker 3: how to be especially if you grew up there and

1237
00:58:26,080 --> 00:58:28,200
Speaker 3: you're you know, working out there, your lung learned how

1238
00:58:28,240 --> 00:58:31,160
Speaker 3: to be more efficient. So like Kenya and some other

1239
00:58:31,200 --> 00:58:34,200
Speaker 3: places with high altitudes like that, so when you're running

1240
00:58:34,280 --> 00:58:38,000
Speaker 3: in lower altitudes, your super efficient lungs work even better

1241
00:58:38,000 --> 00:58:39,920
Speaker 3: because it's like, well, we've worked hard with less, so

1242
00:58:39,960 --> 00:58:40,960
Speaker 3: we've got this. You know.

1243
00:58:41,280 --> 00:58:43,960
Speaker 2: Oh that's awesome. Well, good for her. I love the marathon.

1244
00:58:44,040 --> 00:58:46,120
Speaker 2: This is the first year where I haven't known someone

1245
00:58:46,200 --> 00:58:47,880
Speaker 2: doing it, so I didn't go out there and spectate,

1246
00:58:47,960 --> 00:58:50,680
Speaker 2: but it's just fun. It's like, it's hard to be

1247
00:58:50,720 --> 00:58:54,360
Speaker 2: in a bad mood when you're watching people run that

1248
00:58:54,680 --> 00:58:57,040
Speaker 2: their hearts out and you just want to cheer for everybody.

1249
00:58:57,200 --> 00:58:59,560
Speaker 2: It's so hard what they're doing.

1250
00:59:00,120 --> 00:59:02,240
Speaker 3: Like, you know, especially people for the first time last time.

1251
00:59:02,280 --> 00:59:05,120
Speaker 3: It's awesome to watch people walk. It it's just it's

1252
00:59:05,200 --> 00:59:09,520
Speaker 3: just I went to my first marathon, well I didn't write,

1253
00:59:09,600 --> 00:59:12,360
Speaker 3: but to support my friend Diessa. It was in San

1254
00:59:12,360 --> 00:59:15,000
Speaker 3: Diego and it was gorgeous and awesome and so much

1255
00:59:15,040 --> 00:59:18,240
Speaker 3: fun to see people of all different ages and races

1256
00:59:18,240 --> 00:59:20,840
Speaker 3: and sizes. There was one guy in particularly, I remember

1257
00:59:20,920 --> 00:59:23,440
Speaker 3: he was kind of hefty and he had a T

1258
00:59:23,560 --> 00:59:25,720
Speaker 3: shirt on and when he ran back he said, yes,

1259
00:59:25,840 --> 00:59:27,760
Speaker 3: I know I'm fat, but guess who's in front of you.

1260
00:59:29,720 --> 00:59:33,040
Speaker 2: I thought that that's good, and I was like.

1261
00:59:33,080 --> 00:59:35,080
Speaker 3: Oh, cause, you know, I'm sure he's like people. You know,

1262
00:59:35,280 --> 00:59:37,000
Speaker 3: people are wanting to judg like, oh he's.

1263
00:59:36,880 --> 00:59:39,200
Speaker 1: Big, Like yeah, but you're really the back and rusher.

1264
00:59:39,440 --> 00:59:41,920
Speaker 2: I have a word for that, and I identify as

1265
00:59:41,960 --> 00:59:45,160
Speaker 2: this person as well, fat lead. I think you can

1266
00:59:45,200 --> 00:59:48,400
Speaker 2: be fatletic. I'm gonna trademark this because I am a

1267
00:59:48,440 --> 00:59:50,960
Speaker 2: fat leat Okay, I'm always the big girl and I'm

1268
00:59:50,960 --> 00:59:53,720
Speaker 2: not even okay. I understand, I'm self aware. I am

1269
00:59:53,760 --> 00:59:56,760
Speaker 2: not like big, big, big girl, but I am big

1270
00:59:56,880 --> 00:59:59,760
Speaker 2: enough to go to a pure bar class with all

1271
00:59:59,800 --> 01:00:02,400
Speaker 2: these like size negative zero women and feel like a

1272
01:00:02,480 --> 01:00:05,560
Speaker 2: whale and I and I feel like when I walk

1273
01:00:05,600 --> 01:00:08,800
Speaker 2: in every I get extra attention okay from the instructors

1274
01:00:08,840 --> 01:00:11,000
Speaker 2: like are you okay? Are you gonna need just take

1275
01:00:11,040 --> 01:00:13,600
Speaker 2: your time like it's okay, And I'm like, Mitch, I'm

1276
01:00:13,680 --> 01:00:17,960
Speaker 2: running triathlon, I have hunter a mile bike tours. These

1277
01:00:18,000 --> 01:00:20,920
Speaker 2: thighs may be thick, but they have done work. I

1278
01:00:20,920 --> 01:00:21,720
Speaker 2: don't know what they're doing.

1279
01:00:21,840 --> 01:00:25,080
Speaker 3: So skinny does not necessarily equal health. I know so

1280
01:00:25,120 --> 01:00:27,280
Speaker 3: many skinny girls who can you walk up a flight

1281
01:00:27,360 --> 01:00:28,120
Speaker 3: of stairs?

1282
01:00:28,360 --> 01:00:30,800
Speaker 2: Yeah, you get like, you get underestimated. I think a

1283
01:00:30,840 --> 01:00:33,680
Speaker 2: little bit when you're when you're not like you know

1284
01:00:33,760 --> 01:00:37,120
Speaker 2: the picture of what people see on Sports Illustrated magazine.

1285
01:00:37,160 --> 01:00:38,680
Speaker 2: So I love that. I love that shirt. I want

1286
01:00:38,680 --> 01:00:39,120
Speaker 2: to make one.

1287
01:00:39,800 --> 01:00:40,560
Speaker 1: I like that yup?

1288
01:00:41,520 --> 01:00:45,520
Speaker 2: So yeah for for for what was your naming in? Sorry?

1289
01:00:45,880 --> 01:00:51,680
Speaker 1: And with Mary, I can't say he'll like, can don't well? Mary? Hey? Mary?

1290
01:00:51,800 --> 01:00:53,480
Speaker 2: Mary Marathon? Yes?

1291
01:00:53,600 --> 01:00:54,680
Speaker 1: Mary, marathon of KNY.

1292
01:00:54,760 --> 01:00:57,760
Speaker 2: Awesome. Well, that wraps up the show for this week. Guys,

1293
01:00:57,760 --> 01:01:00,000
Speaker 2: we hope you're out there voting doing your civic duty.

1294
01:01:00,320 --> 01:01:02,640
Speaker 2: Tweet us your pictures of your voted stickers. Do not

1295
01:01:02,680 --> 01:01:04,320
Speaker 2: take a selfie in the booth. That's illegal. You're heard

1296
01:01:04,360 --> 01:01:05,320
Speaker 2: it here first.

1297
01:01:05,600 --> 01:01:08,760
Speaker 3: Yeah, so make sure you tweet us that Mandy would

1298
01:01:08,800 --> 01:01:14,240
Speaker 3: drop Mandy with I the Budget, Nista and the BA podcast.

1299
01:01:14,240 --> 01:01:15,720
Speaker 1: It is the BA podcast right.

1300
01:01:15,600 --> 01:01:18,200
Speaker 2: The BA podcast on Twitter. But you can find all

1301
01:01:18,200 --> 01:01:21,160
Speaker 2: our info at Brand Ambition podcast dot com.

1302
01:01:21,720 --> 01:01:21,919
Speaker 1: Yep.

1303
01:01:22,760 --> 01:01:25,400
Speaker 3: Until next week and hopefully we'll be celebrating next week

1304
01:01:25,720 --> 01:01:26,480
Speaker 3: because of the election.

1305
01:01:26,680 --> 01:01:27,880
Speaker 1: Not crying fitfully.

1306
01:01:28,520 --> 01:01:33,360
Speaker 2: Whatever happens tomorrow, just stay calm, get a bottle of

1307
01:01:33,360 --> 01:01:37,720
Speaker 2: wine and a hug a friend. It'll it'll be okay,

1308
01:01:38,280 --> 01:01:45,240
Speaker 2: I think maybe probably like ninety percent surily fine, I'm praying. Okay,

1309
01:01:46,000 --> 01:01:48,000
Speaker 2: all right, Well you have a level evening mis tiff

1310
01:01:48,640 --> 01:01:53,080
Speaker 2: you as well. Are you gonna bounce now? Yeah?

1311
01:01:53,160 --> 01:01:55,080
Speaker 3: Because I have a call with Own So the Own

1312
01:01:55,160 --> 01:01:56,640
Speaker 3: network is doing a financial show.

1313
01:01:56,640 --> 01:01:58,120
Speaker 1: They're like, we are interested and maybe.

1314
01:01:57,880 --> 01:02:00,240
Speaker 2: Having Okay, that's important, yea, go do that call.

1315
01:02:01,080 --> 01:02:02,640
Speaker 1: That's why I'm trying to go to the bathroom first.

1316
01:02:02,560 --> 01:02:05,680
Speaker 2: Like okay, all right, but I have a good night, alright,

1317
01:02:05,680 --> 01:02:06,520
Speaker 2: you too. Good Bye,