WEBVTT - Ep. 60 — Soulja Boy Tell 'Em...How to Start Investing!

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<v Speaker 1>All right, we're live. Yeah, all right, so well let's start.

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<v Speaker 2>Yeah, let's and we're back.

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<v Speaker 3>We're back, We're back, We're back around, ambitions back in effect.

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<v Speaker 1>So real quick, somebody tweeted me.

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<v Speaker 3>Somebody was like, Tiffany, somebody tricked me into going to

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<v Speaker 3>one of those MLM parties. It's the same day that

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<v Speaker 3>I listened to the podcast and and you know has

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<v Speaker 3>heard that you took a brown break from it.

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<v Speaker 1>Yikes, And I was rolling.

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<v Speaker 2>It's always a friend too, you know, because who else

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<v Speaker 2>can convince you.

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<v Speaker 3>Exactly like, oh, come to this, you know, come to

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<v Speaker 3>my We're totally having drinks.

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<v Speaker 2>Gotcha, that's the party. Yeah, I might have some might

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<v Speaker 2>have some makeup. I'm selling some tupperware, you know whatever.

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<v Speaker 2>It's too funny.

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<v Speaker 1>Yeah, it is le.

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<v Speaker 2>You know who tweeted me today? Oh he tweeted the

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<v Speaker 2>general Twitter population. But Soldia Boy tell him?

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<v Speaker 1>Okay.

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<v Speaker 2>Soldier Boy apparently wants to learn how to invest in

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<v Speaker 2>the stock market. So where else does he go for

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<v Speaker 2>advice but Twitter? Of course, anytime I want to learn

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<v Speaker 2>a new financial system, I definitely crowdsource from Twitter. So

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<v Speaker 2>I noticed all my friends who are personal finance journalists

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<v Speaker 2>were all of a sudden tweeting at Soldier Boy, and

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<v Speaker 2>I'm like, what is happening. So around like around like

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<v Speaker 2>nine am this morning, he's like, so, I'm gonna find

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<v Speaker 2>the exact tweet me. See, so he tweets a lot,

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<v Speaker 2>he does. Yeah, take me all the way down his

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<v Speaker 2>Twitter feed just to find what he tweeted this morning.

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<v Speaker 2>Soda Boy is like one of those I feel like

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<v Speaker 2>he's mentioned wanting to be better about his money recently,

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<v Speaker 2>but I mean I feel like most rappers all you

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<v Speaker 2>see is like pictures of him with like big old

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<v Speaker 2>diamond and gold rings and like chains and stuff.

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<v Speaker 3>Every rapper could learn a thing or two from the

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<v Speaker 3>rappers that have totally gone broke.

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<v Speaker 2>I'm saying, right right, Oh, so he's this is his

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<v Speaker 2>first tweet. Anybody that knows more about the stock market,

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<v Speaker 2>tweet me. I will follow you back. I'm studying it

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<v Speaker 2>right now and need some tips. Thanks. It's just crazy

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<v Speaker 2>to see Soldier Boy retweeting Investopedia, which is like my bible.

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<v Speaker 2>He's retweeting Investipedia, he's retreating, retweeting the SEC, he's retweeting

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<v Speaker 2>market Watch, the Journal, and I tweeted at him because

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<v Speaker 2>actually today's guest Eric Patrick aka hip Hop stock Doc,

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<v Speaker 2>had written a story for me at Magnify Money five

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<v Speaker 2>easy tips to buy your first stock, and so I

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<v Speaker 2>was like, hey, so boy, but got you covered? And

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<v Speaker 2>I included a link and tagged Magnify Money and he

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<v Speaker 2>was like retweeted and say thanks, I'm reading right now

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<v Speaker 2>at least that.

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<v Speaker 1>Yeah, ah, look at you. You've got to be on

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<v Speaker 1>what is that Love and hip Hop? Hollywood? Or no?

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<v Speaker 1>Is are they Hollywood?

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<v Speaker 2>Look at.

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<v Speaker 3>I think so he's on one of the those like,

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<v Speaker 3>you know, ratchet TV shows.

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<v Speaker 2>See now, everybody who listens to brand Ambition knows that

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<v Speaker 2>I don't actually watch any of those love and hip

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<v Speaker 2>I watch. I watch reality TV. Don't get me wrong,

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<v Speaker 2>but it is not the cool stuff. It's like TLC

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<v Speaker 2>six hundred pound Life, Toddler's and Tierras and a lot

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<v Speaker 2>of cooking cupcake wars. I'm down with that, yeah, But

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<v Speaker 2>love and hip hop m.

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<v Speaker 3>Only what I'm feeling, particularly like if I'm like super overwhelmed,

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<v Speaker 3>like I'm just like I just need like a brain melt.

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<v Speaker 1>Down, you know what I mean?

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<v Speaker 2>Of course?

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<v Speaker 3>Yeah, So when I get like that that, I'm like,

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<v Speaker 3>you know what, Nothing's gonna soothe my soul like love

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<v Speaker 3>and hip.

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<v Speaker 2>Hop or six hundred Pound Life.

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<v Speaker 3>Or Basketball Lives or something, and usually like after a

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<v Speaker 3>half an episode, I'm like, oh God, okay, okay, my

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<v Speaker 3>soul is like I need you to come on back

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<v Speaker 3>into the room.

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<v Speaker 1>Wait.

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<v Speaker 2>I just want to say to Soldier Boy. I mean,

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<v Speaker 2>he was very humble and he was like retweeting everybody.

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<v Speaker 2>He's like, I want to say thank you for this

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<v Speaker 2>is what he tweeted to Investipedia, which could not be.

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<v Speaker 2>There's probably like five bald white guys who run Investipedia

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<v Speaker 2>and they're tweeting at Soldier Boy. He's an Investipedia's like,

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<v Speaker 2>we just want to say thanks for bringing more awareness

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<v Speaker 2>to exposure and exposure to financial literacy. This is awesome.

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<v Speaker 2>And Sojioer Boy goes back, You're welcome, and I want

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<v Speaker 2>to say thanks for educating me more on the stock market.

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<v Speaker 2>Greatly appreciated.

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<v Speaker 1>Oh that's awesome. But you know what though, I mean,

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<v Speaker 1>even even though Soldier Boy is not.

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<v Speaker 3>It's not like a hip hop artist that kids look

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<v Speaker 3>up to, he's still very wealthy, so they people definitely

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<v Speaker 3>look at him as like I think he and his network.

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<v Speaker 1>No, well, nobody like so nobody listens to so Boy songs.

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<v Speaker 2>Yeah, I only know the Superman.

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<v Speaker 3>Yeah that's the only one I know either too, but

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<v Speaker 3>he doesn't have any recent hits. But Soldier Boy, I

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<v Speaker 3>think what his real claim to fame was that when

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<v Speaker 3>he came up with those songs, he was the producer,

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<v Speaker 3>the singer of this.

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<v Speaker 1>So it the few songs that you know that did

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<v Speaker 1>do really well.

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<v Speaker 3>He made all of the money, and his current network

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<v Speaker 3>is like in the twenty millions or something like that.

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<v Speaker 3>So yeah, So it's so that's what's so cool about

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<v Speaker 3>Soldier Boys that even though you know, he you know,

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<v Speaker 3>had a very short lived popular career, that he was

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<v Speaker 3>able to do so in a way that he grew

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<v Speaker 3>great wealth and maintained it, which you know, that's better

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<v Speaker 3>than more than half of the people in his kind

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<v Speaker 3>of like his field. So yeah, like if you google

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<v Speaker 3>Soldier Boy network, I think it is like is it

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<v Speaker 3>like twenty thousand something?

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<v Speaker 1>Crazy?

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<v Speaker 2>Yeah, he said, I made a lot of money. This

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<v Speaker 2>is one of his first I made a lot of

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<v Speaker 2>money doing music over the years. I want to invest

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<v Speaker 2>in style instead of buying jewelry, et cetera. That's a

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<v Speaker 2>that's a good It is way to go.

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<v Speaker 1>Look at you, soldier boy. You know what you've better

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<v Speaker 1>make it cool to Yeah.

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<v Speaker 2>But then about like two hours after he had all

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<v Speaker 2>this like stock marker revelations. What is he posed? But

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<v Speaker 2>like a picture of gold yezis like gold plated sneakers.

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<v Speaker 2>Do you know what I didn't know? I guess you

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<v Speaker 2>hear about the Kanye clothing line and the shoes and

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<v Speaker 2>stuff and like, but I didn't realize he's like nine

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<v Speaker 2>hundred dollars for shoes.

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<v Speaker 3>Yeah, Kanye has like shirts with holes in them for

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<v Speaker 3>like three hundred dollars and people buy them.

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<v Speaker 2>I don't understand. I mean, I don't understand a lot

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<v Speaker 2>of things, but this is especially Geezy boost didas. But

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<v Speaker 2>this is like what I mean, this is what you

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<v Speaker 2>see though. I mean, Kanye is like the rapper of

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<v Speaker 2>all rappers. I mean no, no, no, I under nineteen eleven. No,

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<v Speaker 2>twelve hundred dollars to thirty five hundred dollars for shoes

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<v Speaker 2>right now, I'm on Amazon. That's great, right, cool can

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<v Speaker 2>afford this. That's why kids get their shoes stolen and

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<v Speaker 2>they look like they put this look that they wrapped

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<v Speaker 2>a sweater around a normal shoe.

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<v Speaker 1>I said, hey you, hey, you keep warm?

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<v Speaker 2>Yeah, I feel like your feet would be very sweaty. No,

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<v Speaker 2>but it's activity sneakers.

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<v Speaker 1>I'd like yeezys on.

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<v Speaker 3>You know that.

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<v Speaker 2>I'm a payless shoes on.

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<v Speaker 1>Yeah, confession, I have you ever heard of teaks? They're flats.

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<v Speaker 3>So teeks are like flat and so the bottom you

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<v Speaker 3>could tell it's a teak because the bottom is that

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<v Speaker 3>Robin's egg tiffany blue.

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<v Speaker 2>Pretty.

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<v Speaker 1>Yeah.

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<v Speaker 3>So they're very like, you know, like they're one of

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<v Speaker 3>Oprah's favorite things. The cheapest flat is one seventy five

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<v Speaker 3>for a flat. The more expensive ones can go up

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<v Speaker 3>to two hundred and something dollars. And I never buy

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<v Speaker 3>myself anything quote unquote fancy. So I was like, you know,

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<v Speaker 3>I'm always struggling to find a good flat. And I said,

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<v Speaker 3>you know what everyone keeps saying, these flats are feel comfortable.

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<v Speaker 3>I had a really really good month, like two months ago,

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<v Speaker 3>like huge month, a banner month, and I said, I'm

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<v Speaker 3>gonna treat myself to these overly expensive flats.

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<v Speaker 2>How much are they?

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<v Speaker 3>I think I paid one seventy five for black flats,

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<v Speaker 3>and so I bought them and they hurt me.

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<v Speaker 1>The first thing.

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<v Speaker 2>All day long, really, I thought it was going to

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<v Speaker 2>be a totally different I thought they were going to

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<v Speaker 2>change your life now.

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<v Speaker 1>And then after that, I was like, I'm never gonna

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<v Speaker 1>wear these again.

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<v Speaker 3>But then I ended up wearing them like a week

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<v Speaker 3>later because I could go, you know how, like you're

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<v Speaker 3>you're running to get like groceries from the car or whatever,

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<v Speaker 3>and you just throw on.

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<v Speaker 1>Whatever's by the door. I was gonna wear them.

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<v Speaker 3>So I threw them mom, and they were comfortable, and

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<v Speaker 3>I was like, oh, okay.

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<v Speaker 1>So I started wearing them.

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<v Speaker 3>And then one day I couldn't find them, and I'm

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<v Speaker 3>looking for them everywhere, and I said, I know who

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<v Speaker 3>has some, Supergirl, because I saw she was trying on

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<v Speaker 3>my shoes, and Supergirl took them to her mother's house

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<v Speaker 3>and kept them there.

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<v Speaker 1>So I called her mom was like, can you bring

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<v Speaker 1>my flats back?

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<v Speaker 2>Well, this is just the beginning, wait till she gets

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<v Speaker 2>to become a teenager.

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<v Speaker 3>But in the meantime, when when Supergirl had my flats,

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<v Speaker 3>I needed to wear flats that day because I was

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<v Speaker 3>going into the city and I wanted to wear flats

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<v Speaker 3>to be comfortable, and so I found my old black

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<v Speaker 3>pay let's flats and realized these nine dollar flats felt

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<v Speaker 3>exactly the same.

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<v Speaker 2>Exactly Well, I was gonna say, when you start talking

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<v Speaker 2>about expensive good shoes, like I think good shoes are

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<v Speaker 2>an investment to a point, to a point to a point,

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<v Speaker 2>especially in New York. If you live in any city

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<v Speaker 2>where you walk as much as New Jersey, New New York,

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<v Speaker 2>or any state as much as New Jersey and city

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<v Speaker 2>like New York where you walk all the time, you

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<v Speaker 2>need a good pair of shoes because, like my I

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<v Speaker 2>have all these foot issues I never had before, ankle

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<v Speaker 2>issues and heel issues, and so I had to I've

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<v Speaker 2>shopped a lot of at Aerosols, which I'm not ashamed

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<v Speaker 2>to admit, Aerosols super comfy.

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<v Speaker 1>It's the old Lady Store.

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<v Speaker 2>Yes, it's the Old Lady Shore. But they have very

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<v Speaker 2>fashionable flats, I must say, and heels and boots and airthing. Okay,

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<v Speaker 2>so take care of your feet. But I can't believe

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<v Speaker 2>we haven't even mentioned that people will be tuning into

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<v Speaker 2>this podcast tomorrow morning, Tuesday morning on election Day. Bomb

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<v Speaker 2>But no, wait, what was that?

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<v Speaker 3>I got like, I don't I'm I mean, I someone

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<v Speaker 3>was like, are you going to do an election party.

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<v Speaker 3>I said, honestly, my stomach is in that, and I

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<v Speaker 3>think I'm just gonna turn off.

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<v Speaker 1>I'm gonna go vote Abby, Abby.

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<v Speaker 3>Yeah, I'm gonna get my eyebrows done, and I think

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<v Speaker 3>I'm gonna turn off everything and like just watch them

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<v Speaker 3>GCV because I can't take it. Like I hate suspense movies,

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<v Speaker 3>I can't take it.

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<v Speaker 1>I just can't take you.

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<v Speaker 2>This is I'm not feeling the excitement like you know,

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<v Speaker 2>Facebook memories, just this is. This week, especially Facebook memories

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<v Speaker 2>has been reminding me of all the past three elections

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<v Speaker 2>or two elections, because my very first election was voting

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<v Speaker 2>for Barack Obama. That's the first time I cast a vote.

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<v Speaker 2>I was twenty one. How old was I twenty twenty

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<v Speaker 2>twenty one. So that was a hell of a year

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<v Speaker 2>to you know, assume my civic duty. And I feel

0:10:44.080 --> 0:10:45.920
<v Speaker 2>like nothing is going to compare to that year. And

0:10:45.960 --> 0:10:50.160
<v Speaker 2>also the excitement, the peer belief in what he stood for.

0:10:50.440 --> 0:10:52.920
<v Speaker 2>And you know, in twenty twelve, it was like, you know,

0:10:53.080 --> 0:10:55.520
<v Speaker 2>just bring it was all about just getting a Barack

0:10:55.559 --> 0:10:57.679
<v Speaker 2>Obama and making sure he stayed in office. And this

0:10:57.760 --> 0:11:01.640
<v Speaker 2>year it's like god wood, will it and just put

0:11:01.720 --> 0:11:02.720
<v Speaker 2>us out of our misery.

0:11:03.200 --> 0:11:06.800
<v Speaker 1>And I'm just like, I just I'm not gonna lie.

0:11:06.840 --> 0:11:10.720
<v Speaker 3>It's scary, and I'm like, so, I mean, people feel

0:11:10.760 --> 0:11:14.320
<v Speaker 3>like it's weird. My timeline looks back and forth. There

0:11:14.320 --> 0:11:17.360
<v Speaker 3>are people who are like, oh God, like I'm scared.

0:11:17.400 --> 0:11:19.160
<v Speaker 3>Are the people who are like, I'm sure she's gonna win,

0:11:19.200 --> 0:11:20.480
<v Speaker 3>And I'm like, I'm not sure of anything.

0:11:20.520 --> 0:11:22.559
<v Speaker 2>I'm just I was sure he wasn't going to get

0:11:22.559 --> 0:11:25.560
<v Speaker 2>the nomination. Okay, I was sure about so much exactly.

0:11:25.559 --> 0:11:28.199
<v Speaker 1>At this point, I'm just anything can happen.

0:11:28.360 --> 0:11:32.800
<v Speaker 2>There are there are a lot of uneducated people. You

0:11:32.840 --> 0:11:35.880
<v Speaker 2>know what's scariest about this selection, especially as a journalist

0:11:35.960 --> 0:11:39.000
<v Speaker 2>who works really hard. I don't even cover politics, but

0:11:39.040 --> 0:11:42.880
<v Speaker 2>I write about how, you know, politicians policies can impact

0:11:43.320 --> 0:11:46.040
<v Speaker 2>people's personal finances, which it has a huge impact on

0:11:46.240 --> 0:11:48.560
<v Speaker 2>everything from tax rates to the cost of college to

0:11:48.640 --> 0:11:52.120
<v Speaker 2>your retirement account. But there's just such a lack of

0:11:52.240 --> 0:11:55.480
<v Speaker 2>interest in facts. I feel like facts have been the

0:11:55.520 --> 0:11:58.640
<v Speaker 2>real loser in this election. People like, people want to

0:11:58.720 --> 0:12:02.320
<v Speaker 2>believe what they want to believe, and there's no like,

0:12:02.360 --> 0:12:06.320
<v Speaker 2>there's very few people, especially who are you know, on

0:12:06.440 --> 0:12:11.200
<v Speaker 2>lower Voldemort's side, who are interested in hearing the facts,

0:12:11.480 --> 0:12:15.240
<v Speaker 2>and it's really hard to fight against those people who

0:12:15.280 --> 0:12:20.199
<v Speaker 2>willfully want to be ignorant. And I think that's what's scariest.

0:12:20.240 --> 0:12:23.719
<v Speaker 2>There's there's just a lack of like logical you know,

0:12:24.920 --> 0:12:27.120
<v Speaker 2>educated thinking and critical thinking.

0:12:28.520 --> 0:12:32.160
<v Speaker 3>Not about that, it's about a feeling that they're losing

0:12:33.679 --> 0:12:40.760
<v Speaker 3>they're losing power over some like mythological place that used

0:12:40.800 --> 0:12:44.200
<v Speaker 3>to exist before where there were no people of color

0:12:44.280 --> 0:12:48.120
<v Speaker 3>and women were stood in their place, and like let's

0:12:48.160 --> 0:12:50.000
<v Speaker 3>go back to like leave it to be. I'm like, man,

0:12:50.000 --> 0:12:52.760
<v Speaker 3>that was ashl bab, Like that's not there was never

0:12:53.320 --> 0:12:55.160
<v Speaker 3>Like it's so crazy how people are like I want

0:12:55.160 --> 0:12:56.600
<v Speaker 3>to go back to these kinds And I'm like, well,

0:12:57.200 --> 0:12:59.080
<v Speaker 3>in the way that you describe in those times, it

0:12:59.120 --> 0:13:00.280
<v Speaker 3>never existed that.

0:13:00.880 --> 0:13:03.440
<v Speaker 2>It exists to like that for some people. I think,

0:13:03.520 --> 0:13:06.319
<v Speaker 2>what when people it's almost like in the beginning, it

0:13:06.360 --> 0:13:08.800
<v Speaker 2>didn't it didn't start out racist with the whole make

0:13:08.840 --> 0:13:13.319
<v Speaker 2>America Great agan thing. It's almost like, yes, in the sixties, seventies, eighties,

0:13:13.360 --> 0:13:16.520
<v Speaker 2>like manufacturing jobs were like you could get a manufacturing

0:13:16.559 --> 0:13:18.280
<v Speaker 2>job and provide for your family and it was a

0:13:18.360 --> 0:13:21.480
<v Speaker 2>nice blue collar income. And as those jobs went away.

0:13:22.559 --> 0:13:27.240
<v Speaker 2>The working white class, blue collar system kind of crumbled,

0:13:27.280 --> 0:13:29.160
<v Speaker 2>and you have those people who are looking back on

0:13:29.200 --> 0:13:32.680
<v Speaker 2>these old decades and they're like, man, I can't believe that,

0:13:32.920 --> 0:13:34.840
<v Speaker 2>you know, I can't provide for my family. These jobs

0:13:34.880 --> 0:13:38.000
<v Speaker 2>are disappearing. What you know, this this America is not recovering.

0:13:38.200 --> 0:13:41.160
<v Speaker 2>I'm struggling. And they say they missed the good old days,

0:13:41.200 --> 0:13:44.720
<v Speaker 2>but they don't understand that. I think it's just like

0:13:44.840 --> 0:13:47.600
<v Speaker 2>sort of a everyone's everyone will look out for their

0:13:47.640 --> 0:13:50.480
<v Speaker 2>own self interests and remember how things are for them,

0:13:50.480 --> 0:13:52.640
<v Speaker 2>but they forget what the rest of the world was

0:13:52.679 --> 0:13:56.559
<v Speaker 2>going through in the sixties and seventies, and it wasn't

0:13:56.600 --> 0:13:59.079
<v Speaker 2>equal or you know, they were the only ones doing

0:13:59.120 --> 0:14:00.199
<v Speaker 2>pretty pretty well.

0:14:00.280 --> 0:14:02.520
<v Speaker 3>You know, that's exactly what I want to go back

0:14:02.520 --> 0:14:04.320
<v Speaker 3>to the time when only I was benefiting.

0:14:04.320 --> 0:14:04.920
<v Speaker 1>What's wrong with that?

0:14:05.000 --> 0:14:08.560
<v Speaker 2>Yeah, I'm perfectly happy back then. And you guys didn't

0:14:08.559 --> 0:14:10.439
<v Speaker 2>have any rights anyway, so who no one even knew

0:14:10.480 --> 0:14:14.560
<v Speaker 2>you were struggling, you know, I just part of me

0:14:14.600 --> 0:14:16.000
<v Speaker 2>is just like, man, one of these people going to

0:14:16.080 --> 0:14:17.400
<v Speaker 2>die out? Is that terrible?

0:14:17.920 --> 0:14:18.079
<v Speaker 4>You know?

0:14:18.120 --> 0:14:19.880
<v Speaker 1>It's so great? No, it's not paradise to think that

0:14:19.920 --> 0:14:20.360
<v Speaker 1>all the time.

0:14:20.760 --> 0:14:23.440
<v Speaker 3>And you know it's so crazy though, It's like all

0:14:23.520 --> 0:14:27.400
<v Speaker 3>of these, like so many people that support Trump. I'm like, dude,

0:14:27.440 --> 0:14:30.440
<v Speaker 3>you know that he would you would never be invited

0:14:30.440 --> 0:14:35.240
<v Speaker 3>in this house, Like you're not, Like you're not in

0:14:35.320 --> 0:14:39.000
<v Speaker 3>any way shape or form someone that he would like

0:14:39.240 --> 0:14:42.640
<v Speaker 3>hang out with, have over, want his daughter to marry,

0:14:42.720 --> 0:14:45.760
<v Speaker 3>Like you're going for a dude that is looking at

0:14:45.800 --> 0:14:46.680
<v Speaker 3>you like beneath him.

0:14:46.720 --> 0:14:48.280
<v Speaker 1>Quite honestly, how.

0:14:48.200 --> 0:14:52.240
<v Speaker 2>Is this narcissistic billionaire becoming the voice for the working

0:14:52.280 --> 0:14:56.920
<v Speaker 2>white class in such a way. It is mind blowing. Anyway.

0:14:57.000 --> 0:14:59.920
<v Speaker 2>I feel like if anyone listening out there is as

0:15:00.080 --> 0:15:02.320
<v Speaker 2>as tired of the election as I am, Here's what

0:15:02.480 --> 0:15:05.920
<v Speaker 2>the one thing I keep holding onto is we have

0:15:06.000 --> 0:15:10.280
<v Speaker 2>to vote. Like the best way to get over your

0:15:10.840 --> 0:15:14.280
<v Speaker 2>election dysfunction disorder is just to go vote. Just do it,

0:15:14.560 --> 0:15:16.400
<v Speaker 2>because you can bitch about it all you want, so

0:15:16.440 --> 0:15:18.320
<v Speaker 2>long as you vote. I feel like people who don't vote,

0:15:18.400 --> 0:15:20.160
<v Speaker 2>they don't you know, they don't really have a right

0:15:20.200 --> 0:15:24.120
<v Speaker 2>to complain a vote, not voting, staying home, not voting.

0:15:24.200 --> 0:15:28.600
<v Speaker 2>I feel like you're just voting for Trump. We were

0:15:28.640 --> 0:15:33.320
<v Speaker 2>at we were at the house of one of fiance's relatives,

0:15:33.360 --> 0:15:35.880
<v Speaker 2>yesterday and his young cousin, he's twenty something. He's an

0:15:36.160 --> 0:15:39.520
<v Speaker 2>NYPD police officer. We were just talking. You know, it's

0:15:39.640 --> 0:15:41.840
<v Speaker 2>like an ad for the Trump campaign came up on

0:15:41.880 --> 0:15:44.400
<v Speaker 2>the TV and he was just like, yeah, man, I'm

0:15:44.440 --> 0:15:46.000
<v Speaker 2>not going to vote, like I don't know, I don't

0:15:46.000 --> 0:15:47.520
<v Speaker 2>know who to believe, I don't know who. And I

0:15:47.600 --> 0:15:51.560
<v Speaker 2>was just like, how can you not know? Like how

0:15:51.600 --> 0:15:55.000
<v Speaker 2>can you be on the fence and for him, I

0:15:55.080 --> 0:15:57.000
<v Speaker 2>kind of you know, and I got really upset, and

0:15:57.520 --> 0:15:59.840
<v Speaker 2>fiance was like, you need to calm down. It's my family.

0:16:00.440 --> 0:16:03.000
<v Speaker 2>But I was like, I was like, what do you mean.

0:16:03.080 --> 0:16:05.320
<v Speaker 2>You have to you know, you have to make a vote.

0:16:05.360 --> 0:16:07.760
<v Speaker 2>It's not just the president who's up for election. There's

0:16:07.800 --> 0:16:10.960
<v Speaker 2>all your local you know, congressman, lawmakers who are actually

0:16:10.960 --> 0:16:13.480
<v Speaker 2>writing the laws. You know, they're really important too. There's

0:16:13.520 --> 0:16:17.200
<v Speaker 2>a lot of legislators up for election too, that's important.

0:16:17.240 --> 0:16:20.440
<v Speaker 2>And He's just like, you know, I feel like Trump

0:16:20.680 --> 0:16:23.040
<v Speaker 2>supports stop and frisk and that helps me in my

0:16:23.160 --> 0:16:27.240
<v Speaker 2>job as a cop. And I'm like, Okay, that's fine.

0:16:27.360 --> 0:16:29.560
<v Speaker 2>You know, it's not even that he wants he it's

0:16:29.600 --> 0:16:32.480
<v Speaker 2>not even that he's like supporting Trump a little bit

0:16:32.520 --> 0:16:36.480
<v Speaker 2>it's that I I just don't see why people don't

0:16:36.680 --> 0:16:41.960
<v Speaker 2>want to vote. Yeah, I guess his sense is that

0:16:42.080 --> 0:16:44.560
<v Speaker 2>it doesn't matter. I mean, living in New York City,

0:16:44.720 --> 0:16:46.600
<v Speaker 2>it's easy to think that because it's a blue state.

0:16:48.080 --> 0:16:52.160
<v Speaker 2>But I don't know. I wouldn't feel it wouldn't feel right.

0:16:52.200 --> 0:16:54.960
<v Speaker 2>It would feel like not filing my taxes or like

0:16:55.160 --> 0:16:57.600
<v Speaker 2>not going for annual physical I would never miss that

0:16:57.640 --> 0:16:59.280
<v Speaker 2>kind of stuff. How could you miss the voting?

0:17:00.320 --> 0:17:03.040
<v Speaker 3>No, I just like I said, I just I'm gonna

0:17:03.040 --> 0:17:06.160
<v Speaker 3>be opptensity. I'm just I'm pretty much gonna turn off

0:17:06.240 --> 0:17:10.480
<v Speaker 3>Internet because I know it's gonna be pray some emails.

0:17:10.720 --> 0:17:13.320
<v Speaker 1>I'm probably gonna watch some reruns of a Fixer Upper.

0:17:13.440 --> 0:17:15.840
<v Speaker 2>You're not gonna watch any election coverage. I'm gonna watch.

0:17:16.119 --> 0:17:19.480
<v Speaker 3>Sorry, even when, even when when I first voted for

0:17:19.560 --> 0:17:22.840
<v Speaker 3>President Obama, like I was like, I was like so

0:17:22.920 --> 0:17:24.960
<v Speaker 3>sick to my stomach cause I was listening and I

0:17:25.000 --> 0:17:28.200
<v Speaker 3>was like breathing heavy, like, oh, I just can't take it.

0:17:29.840 --> 0:17:32.000
<v Speaker 1>I'm sure I'm going to watch some, but I'm gonna

0:17:32.000 --> 0:17:37.280
<v Speaker 1>be like so my mind can't take my I know.

0:17:37.720 --> 0:17:42.560
<v Speaker 2>And I'm just praying for a decisive victory. I'm praying

0:17:42.800 --> 0:17:47.920
<v Speaker 2>that I'm praying that everyone just does the right thing

0:17:47.960 --> 0:17:49.679
<v Speaker 2>for the country and not just the right thing for

0:17:49.720 --> 0:17:54.440
<v Speaker 2>themselves anyway. So this is your brain ambition, Go out,

0:17:54.480 --> 0:17:56.240
<v Speaker 2>get out the vote. If you're on your way to

0:17:56.280 --> 0:17:59.000
<v Speaker 2>work right now listening to the podcast and you haven't,

0:17:59.160 --> 0:18:01.080
<v Speaker 2>you know, taken some time off to go vote yet,

0:18:01.119 --> 0:18:03.080
<v Speaker 2>you got your lunch break. Polls in New York rope

0:18:03.160 --> 0:18:06.760
<v Speaker 2>until nine pm, so you can go after work. Twist,

0:18:06.800 --> 0:18:10.679
<v Speaker 2>you gotta vote. Tweet us with your vote stickers. Just

0:18:10.680 --> 0:18:12.720
<v Speaker 2>don't tweet in the booth. That's illegal, right, Like justin

0:18:12.760 --> 0:18:15.600
<v Speaker 2>Timberlake found that out. You can't take a selfie in

0:18:15.640 --> 0:18:17.520
<v Speaker 2>the booth. Don't do it. Don't say Brown Ambition said,

0:18:17.560 --> 0:18:18.400
<v Speaker 2>I could I.

0:18:18.720 --> 0:18:20.600
<v Speaker 1>Please because I do not have bail money. I do,

0:18:20.680 --> 0:18:21.280
<v Speaker 1>but not for you.

0:18:21.720 --> 0:18:24.360
<v Speaker 2>Yeah, we don't have bail money. Wait until you leave,

0:18:24.400 --> 0:18:26.000
<v Speaker 2>and then it's tweetus. A tweet's a pick at the

0:18:26.000 --> 0:18:26.760
<v Speaker 2>BA podcast.

0:18:27.240 --> 0:18:29.480
<v Speaker 1>God, who is this president in my timeline?

0:18:30.520 --> 0:18:35.960
<v Speaker 3>Yeah, a dude, I'm I'm planning to vote on November eighth.

0:18:36.160 --> 0:18:39.240
<v Speaker 3>Voting can make America great. How did Stephen Edward Adams

0:18:39.320 --> 0:18:41.679
<v Speaker 3>end up in my comline? And it's all these old

0:18:42.600 --> 0:18:46.560
<v Speaker 3>Caucasian people, me too, Yes, make America vote great?

0:18:46.680 --> 0:18:48.960
<v Speaker 1>Oh my god, how did they get How is he

0:18:49.040 --> 0:18:53.000
<v Speaker 1>my friend? They found you now, I'm like, mmmm.

0:18:52.920 --> 0:18:55.240
<v Speaker 2>They're on to you. They're everywhere. Are you kidding me?

0:18:55.600 --> 0:19:00.879
<v Speaker 2>There are? Ignorance is a universal state of mind in

0:19:00.920 --> 0:19:06.359
<v Speaker 2>some places, speaking of well, actually a terrible segue. But

0:19:06.520 --> 0:19:09.760
<v Speaker 2>since we talked about Solanga's album the other day, I

0:19:09.800 --> 0:19:11.359
<v Speaker 2>wanted to see if you had a chance to watch

0:19:11.359 --> 0:19:14.920
<v Speaker 2>her performance in SNL and see if her performance has

0:19:15.160 --> 0:19:17.320
<v Speaker 2>uh because you weren't so impressed by the album. But

0:19:17.520 --> 0:19:19.240
<v Speaker 2>did you see the performance and what did you think?

0:19:19.720 --> 0:19:21.280
<v Speaker 1>I did not see the performance.

0:19:21.800 --> 0:19:28.720
<v Speaker 2>I didn't see the crown, the glitzy crown. Honestly, I's

0:19:28.840 --> 0:19:31.280
<v Speaker 2>spun around on her head, and then Beyonce and Tina

0:19:31.320 --> 0:19:32.080
<v Speaker 2>were both there.

0:19:32.600 --> 0:19:34.480
<v Speaker 1>I didn't see. I didn't even hear. Honestly, I'm so

0:19:34.640 --> 0:19:35.959
<v Speaker 1>out of it. I'm not gonna lie.

0:19:35.960 --> 0:19:39.280
<v Speaker 3>I have not watched much TV. I didn't even see Beyonce.

0:19:39.400 --> 0:19:41.280
<v Speaker 3>I'm on the CMAS.

0:19:41.640 --> 0:19:43.480
<v Speaker 2>I didn't you know what I'm actually, I feel the

0:19:43.480 --> 0:19:45.120
<v Speaker 2>same way. I didn't know she was on the CFAs

0:19:45.240 --> 0:19:47.600
<v Speaker 2>and I felt almost sad as a Beyonce fan, like

0:19:47.600 --> 0:19:48.560
<v Speaker 2>am I am I slipping?

0:19:49.480 --> 0:19:50.480
<v Speaker 1>So I didn't see it.

0:19:51.400 --> 0:19:53.400
<v Speaker 2>I still have yet to watch it though, me too,

0:19:53.440 --> 0:19:53.639
<v Speaker 2>and I.

0:19:53.640 --> 0:19:54.880
<v Speaker 3>Want to watch it because I heard it was good.

0:19:54.880 --> 0:19:57.600
<v Speaker 3>But I'm like, I don't know. I just I've just

0:19:57.640 --> 0:19:59.800
<v Speaker 3>been like so just tired.

0:20:00.000 --> 0:20:04.880
<v Speaker 1>I don't know if it's just a whole bunch of work.

0:20:04.920 --> 0:20:06.880
<v Speaker 1>I'm just like, I'm just exhausting.

0:20:06.920 --> 0:20:07.960
<v Speaker 2>Is it all that baby making?

0:20:09.880 --> 0:20:10.360
<v Speaker 1>I don't know.

0:20:11.920 --> 0:20:13.720
<v Speaker 2>We have a lot of We had quite a few

0:20:13.720 --> 0:20:17.960
<v Speaker 2>emails from people supporting or with some some tips on

0:20:18.240 --> 0:20:22.800
<v Speaker 2>temperature checking and ovulation cycles. I'll just for those onto you. Yeah,

0:20:23.400 --> 0:20:25.920
<v Speaker 2>so what, Yeah, any updates there? Have you guys been

0:20:26.000 --> 0:20:33.280
<v Speaker 2>to a live educated doctor. Well but that now you

0:20:33.680 --> 0:20:34.280
<v Speaker 2>got quiet?

0:20:34.680 --> 0:20:36.159
<v Speaker 1>You know, I said, not as if yet, you know,

0:20:36.200 --> 0:20:36.760
<v Speaker 1>I was so crazy.

0:20:36.800 --> 0:20:38.359
<v Speaker 3>I was thinking of you today because I was thinking,

0:20:38.400 --> 0:20:40.040
<v Speaker 3>like I need because I went to the dentist today

0:20:40.040 --> 0:20:40.640
<v Speaker 3>for a root can.

0:20:40.560 --> 0:20:45.680
<v Speaker 2>Now and whoopee, oh god, I know, and you're talking.

0:20:46.240 --> 0:20:48.399
<v Speaker 3>You know what, oddly enough, whenever, this is not my

0:20:48.400 --> 0:20:52.040
<v Speaker 3>first rooc can now, and so it it doesn't it's

0:20:52.040 --> 0:20:55.040
<v Speaker 3>like why wisdom tooth or way in the back or whatever,

0:20:55.359 --> 0:20:57.879
<v Speaker 3>and so it's it's sore, but it doesn't like my

0:20:57.960 --> 0:20:59.959
<v Speaker 3>face doesn't hurt, just the tooth is a little bit.

0:21:00.840 --> 0:21:02.439
<v Speaker 3>But yeah, and I was thinking that too. I'm like,

0:21:02.440 --> 0:21:04.879
<v Speaker 3>I hope for taping the podcast, I'm not. It was

0:21:04.920 --> 0:21:07.360
<v Speaker 3>at eleven, so I'm feeling like, hmm, it's seven now,

0:21:07.400 --> 0:21:09.720
<v Speaker 3>so I'm good. But yeah, so but it made me

0:21:09.720 --> 0:21:11.520
<v Speaker 3>think to myself, you went to the dentist, it's time

0:21:11.600 --> 0:21:12.679
<v Speaker 3>to go to the baby doctor.

0:21:12.840 --> 0:21:14.040
<v Speaker 2>Yeah.

0:21:14.480 --> 0:21:16.320
<v Speaker 3>Yeah, oh you know what it is. I know, I'm tired.

0:21:16.800 --> 0:21:18.880
<v Speaker 3>Baby sat like my nephew almost for a full week.

0:21:19.359 --> 0:21:21.719
<v Speaker 2>Listen, can I tell her about the conference call we

0:21:21.720 --> 0:21:26.879
<v Speaker 2>were on. So our worlds are colliding and Magnify Money

0:21:27.280 --> 0:21:32.320
<v Speaker 2>is sponsoring Tiffany's Literature Challenged for twenty seventeen, which is

0:21:32.359 --> 0:21:36.120
<v Speaker 2>super exciting. But anyway, we had our first official call

0:21:36.600 --> 0:21:40.280
<v Speaker 2>with Tiffany and her assistant and the entire call was

0:21:40.320 --> 0:21:42.840
<v Speaker 2>like the baby gurgling in the background and the baby yelling,

0:21:42.960 --> 0:21:45.040
<v Speaker 2>and it was like he was just like yeah.

0:21:45.280 --> 0:21:46.400
<v Speaker 1>I was like, oh my god.

0:21:46.520 --> 0:21:49.240
<v Speaker 2>He's like, so you scheduled a conference call during my

0:21:49.280 --> 0:21:51.280
<v Speaker 2>active hours. That's not a smart idea.

0:21:51.400 --> 0:21:52.760
<v Speaker 3>And I was hoping I was a baby, He'll be

0:21:52.760 --> 0:21:56.159
<v Speaker 3>a sleep because like her normal babysitter was away for

0:21:56.200 --> 0:21:56.680
<v Speaker 3>the week and.

0:21:56.640 --> 0:21:58.280
<v Speaker 1>She's like, could you watch him? And I was like,

0:21:58.440 --> 0:22:00.000
<v Speaker 1>uh so, I can't sold most things.

0:22:00.080 --> 0:22:03.200
<v Speaker 3>But I thought, oh because usually like when I'm doing

0:22:03.280 --> 0:22:05.720
<v Speaker 3>like work, like he has this little toy, so he's fine.

0:22:05.720 --> 0:22:08.240
<v Speaker 3>But of course he's like, oh, do you need quiet now?

0:22:08.320 --> 0:22:09.639
<v Speaker 3>Oh no?

0:22:11.680 --> 0:22:14.280
<v Speaker 2>Wait. It's almost like doesn't that make you realize though?

0:22:14.280 --> 0:22:17.720
<v Speaker 2>When my girlfriends and my just friends people I know

0:22:17.800 --> 0:22:20.680
<v Speaker 2>and women I know who work from home and people

0:22:20.680 --> 0:22:22.159
<v Speaker 2>are like, oh, you can just work from home and

0:22:22.200 --> 0:22:24.840
<v Speaker 2>watch the baby, and they're like, oh no, I still

0:22:24.920 --> 0:22:27.840
<v Speaker 2>have to hire a nanny to actually take because they

0:22:28.359 --> 0:22:30.240
<v Speaker 2>suck up every ounce of your attention.

0:22:31.080 --> 0:22:33.600
<v Speaker 3>And meanwhile, it's not even like he's like a four

0:22:33.600 --> 0:22:35.520
<v Speaker 3>month old or something where you where it's like you

0:22:35.600 --> 0:22:36.439
<v Speaker 3>have to always hold.

0:22:36.320 --> 0:22:38.560
<v Speaker 1>Him like he's one. So he's walking and you know.

0:22:38.640 --> 0:22:41.040
<v Speaker 3>Like he has this little like I have mobile yeah,

0:22:41.080 --> 0:22:42.760
<v Speaker 3>which is like even more so I didn't. I don't

0:22:42.800 --> 0:22:44.840
<v Speaker 3>really have a baby proof half of I'm using chairs

0:22:44.840 --> 0:22:46.879
<v Speaker 3>and stuff to like lock off places where you can't go.

0:22:48.040 --> 0:22:50.199
<v Speaker 3>And like it was so crazy because you think that

0:22:51.080 --> 0:22:52.919
<v Speaker 3>I you just don't realize how smart babies are. So

0:22:52.960 --> 0:22:55.920
<v Speaker 3>he'd watch me pull a chair like in a little

0:22:55.960 --> 0:22:57.920
<v Speaker 3>crevice so he couldn't go that way, and as he'd

0:22:57.920 --> 0:22:59.679
<v Speaker 3>watched me pull it, he realized, oh, she pulled up

0:22:59.680 --> 0:23:01.280
<v Speaker 3>by the lefe And next thing I know, he's pulling

0:23:01.320 --> 0:23:02.960
<v Speaker 3>up by the leg to set himself free.

0:23:03.080 --> 0:23:06.240
<v Speaker 1>And I was like, how I was responsible?

0:23:06.880 --> 0:23:08.359
<v Speaker 3>So every time I would try to lock him in,

0:23:08.440 --> 0:23:11.879
<v Speaker 3>I had to make sure he couldn't see the method

0:23:11.920 --> 0:23:14.600
<v Speaker 3>I use, or he would be like, oh is that half?

0:23:15.240 --> 0:23:17.080
<v Speaker 2>They're a little Whodini's they are?

0:23:17.800 --> 0:23:20.920
<v Speaker 3>I was just exhausted because every morning, at like seven,

0:23:20.960 --> 0:23:23.399
<v Speaker 3>he'd wake up and I'm like, just wan worn and

0:23:23.440 --> 0:23:26.439
<v Speaker 3>every night, I mean it just, yeah, I got some

0:23:26.520 --> 0:23:28.520
<v Speaker 3>work done, but let's just say I had to cancel

0:23:28.600 --> 0:23:30.280
<v Speaker 3>the majority of my meetings and I was just like,

0:23:30.359 --> 0:23:33.080
<v Speaker 3>guess it's just me and you kid, and it was

0:23:33.440 --> 0:23:35.880
<v Speaker 3>I'm still Meanwhile, today's the first day where I didn't

0:23:35.920 --> 0:23:38.119
<v Speaker 3>really have to watch him, and I didn't watch him

0:23:38.160 --> 0:23:39.880
<v Speaker 3>really this weekend, but I'm still exhausted.

0:23:39.960 --> 0:23:41.680
<v Speaker 1>I'm like, how do moms do.

0:23:41.680 --> 0:23:44.040
<v Speaker 2>The baby hangover? So this is a good practice for you?

0:23:44.119 --> 0:23:46.240
<v Speaker 3>Then that's what everyone said to like, how is it

0:23:46.400 --> 0:23:48.239
<v Speaker 3>my best friend Drina because she's got a one year

0:23:48.240 --> 0:23:50.320
<v Speaker 3>old the same age, And then to make matters worse,

0:23:50.720 --> 0:23:52.320
<v Speaker 3>she asked me she had to do a press conference.

0:23:52.320 --> 0:23:53.760
<v Speaker 1>She said, I know you have baby.

0:23:54.119 --> 0:23:57.560
<v Speaker 3>You know your baby nephew that her son is basically

0:23:57.560 --> 0:23:59.040
<v Speaker 3>the same age. And she's like, but I really have

0:23:59.080 --> 0:24:00.880
<v Speaker 3>to do this press conference. I'm only ten minutes away.

0:24:00.880 --> 0:24:01.560
<v Speaker 3>It told me an hour.

0:24:01.800 --> 0:24:04.000
<v Speaker 1>Could you watch my son too? So at one point

0:24:04.160 --> 0:24:07.000
<v Speaker 1>I had two one year olds in the house and

0:24:07.040 --> 0:24:08.840
<v Speaker 1>I was just like, what is happening for my life?

0:24:09.160 --> 0:24:10.160
<v Speaker 2>Something like a nightmare?

0:24:10.560 --> 0:24:12.479
<v Speaker 1>Why can you imagine twin? And I looked at like

0:24:12.480 --> 0:24:15.240
<v Speaker 1>my Superman, and I'm like, yo, you are a twin.

0:24:16.119 --> 0:24:19.560
<v Speaker 1>Twin boys, how did your mother? I don't know.

0:24:20.240 --> 0:24:24.800
<v Speaker 2>Let's hope that twin dream twin g passes you don't

0:24:24.800 --> 0:24:25.360
<v Speaker 2>they skip a.

0:24:25.320 --> 0:24:28.320
<v Speaker 3>Generation or right, because if I have twin, I'm checking out,

0:24:28.320 --> 0:24:31.080
<v Speaker 3>I'm getting my time card and i am checking out.

0:24:34.080 --> 0:24:38.159
<v Speaker 2>Oh my god. Babies are so evil, you know.

0:24:38.280 --> 0:24:40.680
<v Speaker 4>If you know what's so terrible about babies is that

0:24:40.800 --> 0:24:44.680
<v Speaker 4>they're so cute that you're like, what are you Like,

0:24:45.160 --> 0:24:47.359
<v Speaker 4>nephew would be like, oh, this cup half water, It

0:24:47.440 --> 0:24:48.320
<v Speaker 4>sure does knock.

0:24:49.920 --> 0:24:53.040
<v Speaker 2>The babies are cute evolution because they would not survive

0:24:53.240 --> 0:24:55.920
<v Speaker 2>if they weren't adorable creatures. We would have thrown them

0:24:55.960 --> 0:24:58.520
<v Speaker 2>off the cliff already because they're crazy. That's the same

0:24:58.560 --> 0:25:01.119
<v Speaker 2>reason that you know frogs have poisoned darts and stuff

0:25:01.160 --> 0:25:02.080
<v Speaker 2>like that for survival.

0:25:03.040 --> 0:25:03.760
<v Speaker 1>I'm telling you it.

0:25:03.920 --> 0:25:05.760
<v Speaker 3>Just every time you just like I just can't take

0:25:05.760 --> 0:25:08.040
<v Speaker 3>it anymore. That's when they smile and they're like, yes

0:25:08.119 --> 0:25:13.479
<v Speaker 3>you can, like I just want to. And then when

0:25:13.520 --> 0:25:15.920
<v Speaker 3>he slept, I'm like, now's your chance, take your nap,

0:25:15.960 --> 0:25:18.639
<v Speaker 3>because you were always torn between should I do work

0:25:18.840 --> 0:25:20.720
<v Speaker 3>now that he's sleeping or should I just sleep too

0:25:20.800 --> 0:25:21.919
<v Speaker 3>and sleep usually one.

0:25:21.800 --> 0:25:26.439
<v Speaker 2>Nowt man, well, that sounds like a fun experience. At

0:25:26.480 --> 0:25:27.800
<v Speaker 2>least you get to give him back.

0:25:28.480 --> 0:25:31.320
<v Speaker 3>Yes hoo, child. But then you miss them too. It's

0:25:31.320 --> 0:25:33.520
<v Speaker 3>a weird thing because then I'm like, oh, I missed him.

0:25:33.880 --> 0:25:35.680
<v Speaker 3>But then I was like, you forgot? Have you forgotten?

0:25:36.440 --> 0:25:40.120
<v Speaker 2>They're manipulative? I have to we have to talk about this.

0:25:40.680 --> 0:25:42.600
<v Speaker 2>So I've been this weekend speaking of TV.

0:25:43.320 --> 0:25:43.439
<v Speaker 1>Uh.

0:25:43.960 --> 0:25:46.400
<v Speaker 2>I started watching the Netflix, the new Netflix show called

0:25:46.400 --> 0:25:47.879
<v Speaker 2>The Crown. I feel like I'm gonna catch you up,

0:25:47.880 --> 0:25:49.960
<v Speaker 2>and all the all the pop cultures.

0:25:49.800 --> 0:25:51.160
<v Speaker 1>Go to watch The Crown. Is it good?

0:25:51.359 --> 0:25:53.720
<v Speaker 2>It's good. It's like the new it's my new replacement

0:25:53.760 --> 0:25:57.680
<v Speaker 2>for down Nabby. It's something about the British, British elite,

0:25:57.880 --> 0:25:59.040
<v Speaker 2>just like Americans love it.

0:26:00.000 --> 0:26:01.000
<v Speaker 1>Oh my god, we're twins.

0:26:01.200 --> 0:26:05.800
<v Speaker 2>So it's about Queen Elizabeth or Queen Elizabeth. They call

0:26:05.840 --> 0:26:06.440
<v Speaker 2>her a little bit.

0:26:06.640 --> 0:26:07.879
<v Speaker 1>Is that her fancy Nay?

0:26:09.080 --> 0:26:12.880
<v Speaker 2>I'm learning so much. It's very historically accurate. Her nickname

0:26:12.920 --> 0:26:16.720
<v Speaker 2>was Lilibet. Lilibet. I had no idea. I didn't really know.

0:26:16.720 --> 0:26:18.880
<v Speaker 2>I mean, I just always it's sort of like your grandma.

0:26:18.960 --> 0:26:21.080
<v Speaker 2>You're born and you just think, well, grandma was always

0:26:21.119 --> 0:26:27.960
<v Speaker 2>seventy five years old, and so with Queen Elizabeth, I'm like, oh, yeah,

0:26:27.960 --> 0:26:30.040
<v Speaker 2>she was a young girl when she was made queen.

0:26:30.080 --> 0:26:33.640
<v Speaker 2>Her dad King George, so whatever, he passed away. He

0:26:33.720 --> 0:26:40.320
<v Speaker 2>died from lung cancer and she was suddenly thrust into, uh,

0:26:39.640 --> 0:26:42.840
<v Speaker 2>the the role of queen. And you know, she had

0:26:42.880 --> 0:26:44.840
<v Speaker 2>been she had just been married and she you know,

0:26:44.880 --> 0:26:47.520
<v Speaker 2>we talk about being the breadwinner in a relationship as

0:26:47.560 --> 0:26:49.800
<v Speaker 2>a woman and how difficult to this imagine being the

0:26:49.880 --> 0:26:53.520
<v Speaker 2>Queen of England and your husband is like a house husband.

0:26:54.400 --> 0:26:56.640
<v Speaker 2>So it's really interesting. It goes into all the dynamics

0:26:56.640 --> 0:26:59.760
<v Speaker 2>of their relationship and assuming The Thrones was all only

0:26:59.800 --> 0:27:02.800
<v Speaker 2>like sixty years ago. It was the nineteen fifties, right

0:27:02.800 --> 0:27:07.280
<v Speaker 2>after World War Two. Anyway, just really good show. And

0:27:08.080 --> 0:27:10.679
<v Speaker 2>but it got me thinking because this week, or the

0:27:10.760 --> 0:27:14.440
<v Speaker 2>last week, Prince Harry, who is like her grandson, Prince Harry,

0:27:14.440 --> 0:27:17.600
<v Speaker 2>you know, he's like the wild child. Apparently he's dating

0:27:17.720 --> 0:27:21.280
<v Speaker 2>a mixed race actress. That's her name. I had never

0:27:21.280 --> 0:27:24.240
<v Speaker 2>heard of her before. Her name is, she's bi racial.

0:27:24.280 --> 0:27:27.920
<v Speaker 2>Her name is Megan Markle. You heard of her. She's beautiful, beautiful,

0:27:27.920 --> 0:27:31.639
<v Speaker 2>beautiful white. I'm pretty sure she's black and white, but

0:27:31.680 --> 0:27:35.000
<v Speaker 2>I haven't done the digging. So but you know, British.

0:27:35.040 --> 0:27:38.160
<v Speaker 2>British newspapers are way more like blunt with how they

0:27:38.160 --> 0:27:40.800
<v Speaker 2>describe people of race. They're like, this is the headline

0:27:40.840 --> 0:27:44.199
<v Speaker 2>on uh the Guardian, the Prince's new black girlfriend has

0:27:44.240 --> 0:27:49.639
<v Speaker 2>set tongues wagging like geez. But anyway, sorry, go.

0:27:49.600 --> 0:27:54.240
<v Speaker 1>Ahead, I'm just saying, okay, does she have a career?

0:27:54.320 --> 0:27:58.360
<v Speaker 2>What's her name? She's a black girlfriend, but apparently so one.

0:27:58.480 --> 0:28:00.720
<v Speaker 2>But you know, it's even more scandalous than her race

0:28:01.040 --> 0:28:03.600
<v Speaker 2>in the British monarchy is the fact that she's divorced.

0:28:04.200 --> 0:28:06.199
<v Speaker 2>That's what I learned from watching The Crown is how

0:28:06.240 --> 0:28:08.720
<v Speaker 2>what a big deal divorce was? Like you couldn't marry

0:28:08.760 --> 0:28:12.280
<v Speaker 2>a divorce person, Like, isn't that nuts? It's imagine that

0:28:12.560 --> 0:28:15.160
<v Speaker 2>was the law now because it went against the Church

0:28:15.160 --> 0:28:18.280
<v Speaker 2>of England's teachings. And of course the queen was like

0:28:18.320 --> 0:28:21.320
<v Speaker 2>the head of the church or whatever. But her own

0:28:21.400 --> 0:28:24.160
<v Speaker 2>sister had to give up the love of her life

0:28:24.200 --> 0:28:26.680
<v Speaker 2>because he had been divorced before and the British government

0:28:26.680 --> 0:28:27.520
<v Speaker 2>wouldn't allow it.

0:28:28.160 --> 0:28:31.680
<v Speaker 3>Wow, isn't that why, Like Prince Charles couldn't marry Camilla Etards.

0:28:32.080 --> 0:28:33.840
<v Speaker 2>Yeah, I think it was a similar thing. Yeah, I

0:28:33.840 --> 0:28:36.080
<v Speaker 2>don't know. We haven't caught up to the Prince Charles yet.

0:28:36.359 --> 0:28:37.159
<v Speaker 2>He's just a baby.

0:28:37.840 --> 0:28:38.120
<v Speaker 1>No.

0:28:38.120 --> 0:28:39.680
<v Speaker 3>Now that I want to watch, Like that's gonna be

0:28:39.680 --> 0:28:41.160
<v Speaker 3>my new Like, ooh, I don't want to do any work,

0:28:41.280 --> 0:28:41.720
<v Speaker 3>let me watch.

0:28:41.720 --> 0:28:42.800
<v Speaker 1>Because I was looking.

0:28:42.920 --> 0:28:45.720
<v Speaker 3>I went on Netflix on my bar Netflix account because

0:28:45.720 --> 0:28:46.240
<v Speaker 3>you know how I.

0:28:46.280 --> 0:28:50.600
<v Speaker 2>Do two and you know, the passport stopped breaking last night.

0:28:50.640 --> 0:28:52.440
<v Speaker 2>Sendrique's cousin and I was like, can you text him?

0:28:52.480 --> 0:28:54.959
<v Speaker 2>He's like, it's midnight, just text him though it's not

0:28:55.000 --> 0:28:55.840
<v Speaker 2>watching anymore.

0:28:57.000 --> 0:29:00.400
<v Speaker 1>No no need to no alarm, you know. But I just.

0:29:03.760 --> 0:29:06.360
<v Speaker 3>It's Superman, so it's hit. So I'm always like, yeah,

0:29:06.480 --> 0:29:08.760
<v Speaker 3>I will always have this login. We shall always only

0:29:08.800 --> 0:29:09.840
<v Speaker 3>play for one person.

0:29:10.120 --> 0:29:12.440
<v Speaker 2>Do you do that? You cobble together the subscriptions with

0:29:12.520 --> 0:29:16.280
<v Speaker 2>family and friends because so his cousin uses our Hulu

0:29:16.320 --> 0:29:19.480
<v Speaker 2>and we use his Netflix. My little brother uses my Spotify.

0:29:19.920 --> 0:29:22.280
<v Speaker 2>Actually he's a leech. I haven't he doessn't given me anything.

0:29:22.840 --> 0:29:24.760
<v Speaker 3>It's like, I mean, while your little brother has a

0:29:25.000 --> 0:29:26.760
<v Speaker 3>has all of them, it's like it's given nothing.

0:29:26.880 --> 0:29:28.440
<v Speaker 2>And he didn't even tell he could. He just kind

0:29:28.480 --> 0:29:29.760
<v Speaker 2>of like went on my account and just did it.

0:29:29.760 --> 0:29:31.360
<v Speaker 2>He just added himself. I didn't even know.

0:29:33.360 --> 0:29:35.840
<v Speaker 1>Iretty figure out her login. There you go.

0:29:36.400 --> 0:29:38.640
<v Speaker 2>Well, I hope that the British newspapers don't mess up

0:29:38.640 --> 0:29:42.120
<v Speaker 2>this relationship because we need more mixed babies in the world. Okay, yeah,

0:29:42.440 --> 0:29:43.960
<v Speaker 2>especially royal ones. Come on.

0:29:45.520 --> 0:29:48.000
<v Speaker 3>No, So I'm excited, Like now I'm gonna I cannot wait.

0:29:48.000 --> 0:29:50.280
<v Speaker 3>I'm gonna I'm probably gonna start watching Cromp tonight because

0:29:50.320 --> 0:29:51.640
<v Speaker 3>it looks so interesting.

0:29:51.720 --> 0:29:54.440
<v Speaker 2>It's really good and it's like it's relaxing and I

0:29:54.480 --> 0:29:56.880
<v Speaker 2>don't know, I love it and the accents are on point.

0:29:57.480 --> 0:30:00.320
<v Speaker 2>Her accent is like it's different in the it's like

0:30:00.400 --> 0:30:04.960
<v Speaker 2>so snotty British, like upper class. It's like, thank you

0:30:05.000 --> 0:30:08.000
<v Speaker 2>for being herey'all. Was so happy to hobby y'all. It's

0:30:08.200 --> 0:30:11.880
<v Speaker 2>it's all very like nasally, I'm doing a terrible job

0:30:11.920 --> 0:30:14.479
<v Speaker 2>of it. But it's good stuff, good good stuff, and

0:30:14.520 --> 0:30:15.560
<v Speaker 2>the outfits come on.

0:30:16.640 --> 0:30:17.400
<v Speaker 1>I'm super excited.

0:30:17.440 --> 0:30:19.480
<v Speaker 3>I saw some of the like review like you know,

0:30:19.560 --> 0:30:21.840
<v Speaker 3>like the trailers, and I said, oh my god, she

0:30:22.040 --> 0:30:23.880
<v Speaker 3>like I remember I think her husband said something like

0:30:24.480 --> 0:30:26.200
<v Speaker 3>do I have to bow to the queen?

0:30:26.280 --> 0:30:27.480
<v Speaker 1>There's something Yes, he.

0:30:27.440 --> 0:30:29.400
<v Speaker 2>Didn't want to bow to hurt her coronation. That's what

0:30:29.440 --> 0:30:32.320
<v Speaker 2>I'm talking about. Talk about being the breadwinner and how

0:30:32.320 --> 0:30:34.440
<v Speaker 2>hard that is as a woman, and then like to oh,

0:30:34.560 --> 0:30:38.560
<v Speaker 2>to rule a country. Uh yeah, it's I think that's

0:30:38.560 --> 0:30:40.719
<v Speaker 2>one of the more interesting parts of the show is

0:30:41.000 --> 0:30:44.120
<v Speaker 2>his reaction to her being the queen. It's I think

0:30:44.120 --> 0:30:46.920
<v Speaker 2>it's in one sense, like you want to think, oh,

0:30:46.920 --> 0:30:49.280
<v Speaker 2>he's just being a jerk. He should support her, but

0:30:49.800 --> 0:30:53.520
<v Speaker 2>you almost kind of understand at the same time what

0:30:53.640 --> 0:30:56.480
<v Speaker 2>he's going through as well. But they make him look

0:30:56.480 --> 0:31:00.400
<v Speaker 2>like a big douchebag, not gonna lie I want to

0:31:00.440 --> 0:31:03.560
<v Speaker 2>see I want to see Prince Philip. Yeah, it's good stuff,

0:31:03.600 --> 0:31:08.920
<v Speaker 2>good stuff. Well, alrighty anything else we want to cover buzzworthy?

0:31:09.240 --> 0:31:10.680
<v Speaker 1>No, I think we're good on buzzes.

0:31:10.920 --> 0:31:15.320
<v Speaker 2>Everybody's going to vote today, Yes, yes you shall. If

0:31:15.320 --> 0:31:18.360
<v Speaker 2>you don't know where your voting precinct is, just google it. Google. Actually,

0:31:18.400 --> 0:31:21.440
<v Speaker 2>just go to Gmail, because Gmail they have this really

0:31:21.440 --> 0:31:24.400
<v Speaker 2>cool like pop up that asks you if you know

0:31:24.440 --> 0:31:26.680
<v Speaker 2>where to vote, and it tells you exactly where to vote.

0:31:27.320 --> 0:31:28.920
<v Speaker 1>You just got to put in your address and like

0:31:28.960 --> 0:31:30.959
<v Speaker 1>the address where you're registered and it will tell you.

0:31:31.000 --> 0:31:33.680
<v Speaker 1>Because my my voting site changed.

0:31:33.440 --> 0:31:34.640
<v Speaker 3>Like a couple of years ago, and I was like

0:31:34.680 --> 0:31:37.080
<v Speaker 3>going to the old one, like wait, this had a school,

0:31:37.120 --> 0:31:38.640
<v Speaker 3>but it was it had a new school now, So

0:31:38.640 --> 0:31:40.040
<v Speaker 3>I'm like, okay, now I know I'm working.

0:31:40.040 --> 0:31:41.000
<v Speaker 1>Earlier though, I had.

0:31:40.920 --> 0:31:42.880
<v Speaker 2>To drag my butt to Queen's not excited.

0:31:43.600 --> 0:31:45.880
<v Speaker 3>I know that's the ad job, my bet to Westfield.

0:31:46.080 --> 0:31:48.560
<v Speaker 3>Clearly I have not lived there forever, but that's where at.

0:31:48.480 --> 0:31:51.120
<v Speaker 2>Least you can drag yourself in a vehicle. Yeah, and

0:31:51.240 --> 0:31:52.800
<v Speaker 2>be dragging myself in an hour and a half of

0:31:52.840 --> 0:31:55.800
<v Speaker 2>train rides. Oh man, all right, well let's move on

0:31:55.800 --> 0:31:58.840
<v Speaker 2>because I'm really excited about today's guest, Eric Patrick, hip

0:31:58.880 --> 0:32:01.680
<v Speaker 2>hop stock doc, and I think he's about to ring in.

0:32:02.440 --> 0:32:05.160
<v Speaker 2>He's going to answer some questions, give some tips on

0:32:05.200 --> 0:32:16.360
<v Speaker 2>how to start investing in the market. All right, Brannan

0:32:16.400 --> 0:32:19.680
<v Speaker 2>vissionfam you asked, we have listened. You've been asking us

0:32:19.720 --> 0:32:22.360
<v Speaker 2>for months to bring on someone to tell you guys

0:32:22.440 --> 0:32:25.040
<v Speaker 2>how you can get started investing in the market, and

0:32:25.120 --> 0:32:28.240
<v Speaker 2>finally we found the perfect guest. His name is Eric Patrick.

0:32:28.320 --> 0:32:32.360
<v Speaker 2>He's the founder of the Black Market Exchange. And Eric,

0:32:32.360 --> 0:32:33.880
<v Speaker 2>thank you so much for coming on the show.

0:32:34.520 --> 0:32:35.360
<v Speaker 5>Thank you for having me.

0:32:35.640 --> 0:32:38.920
<v Speaker 2>I'm sorry that it's just me. Tiffany unfortunately has to

0:32:38.960 --> 0:32:40.840
<v Speaker 2>do some big lady boss stuff so she's not here,

0:32:41.000 --> 0:32:41.880
<v Speaker 2>so it just be us today.

0:32:42.720 --> 0:32:45.400
<v Speaker 5>Okay, so you know, much respect to her. But it

0:32:45.440 --> 0:32:47.920
<v Speaker 5>sounds good and I'm ready to get this going awesome.

0:32:48.000 --> 0:32:50.920
<v Speaker 2>So Eric, tell me what is the Black Market Exchange

0:32:50.920 --> 0:32:54.120
<v Speaker 2>and how did you get started writing and get curious

0:32:54.200 --> 0:32:54.920
<v Speaker 2>about investing?

0:32:55.960 --> 0:32:58.800
<v Speaker 5>So, the Black Market Exchange is an urban investment education

0:32:58.920 --> 0:33:03.040
<v Speaker 5>platform in by urban investment education. I simply just use

0:33:03.160 --> 0:33:07.040
<v Speaker 5>hip hop in modern media to help explain finance and

0:33:07.080 --> 0:33:11.120
<v Speaker 5>investing topics. So it could be a rap lyric, it

0:33:11.120 --> 0:33:14.200
<v Speaker 5>could be a scene from a television show such as

0:33:14.280 --> 0:33:18.360
<v Speaker 5>Empire or whatever it is that's a very relatable topic

0:33:18.480 --> 0:33:21.000
<v Speaker 5>kind of mainstream media, and then I use that to

0:33:21.080 --> 0:33:24.720
<v Speaker 5>relate it to something in financial markets, you know, particularly stocks.

0:33:25.080 --> 0:33:27.479
<v Speaker 5>And so that's what black market Exchange is about, just

0:33:27.520 --> 0:33:32.160
<v Speaker 5>really trying to bridge that gap, especially for millennials, to

0:33:33.120 --> 0:33:35.320
<v Speaker 5>really just be able to connect and really understand what

0:33:35.400 --> 0:33:38.000
<v Speaker 5>investing is and make it just easier to do.

0:33:38.480 --> 0:33:38.600
<v Speaker 4>Well.

0:33:38.680 --> 0:33:40.360
<v Speaker 2>Let's talk about that. I mean, so, let me just

0:33:40.400 --> 0:33:43.000
<v Speaker 2>read a question from one of our listeners. Her name's Ariel.

0:33:43.120 --> 0:33:45.680
<v Speaker 2>She says she's twenty seven years old, and she's a

0:33:45.680 --> 0:33:47.720
<v Speaker 2>New York City public school teacher, and I think that

0:33:47.840 --> 0:33:53.040
<v Speaker 2>her question really sort of personifies the general feeling of

0:33:53.080 --> 0:33:56.600
<v Speaker 2>hesitation from young people around investing. She says, I was

0:33:56.640 --> 0:34:00.480
<v Speaker 2>wondering how can I responsiblely start investing and or purchase stock?

0:34:00.560 --> 0:34:03.040
<v Speaker 2>As someone who feels completely illiterate in terms of the

0:34:03.040 --> 0:34:06.000
<v Speaker 2>investment world, I've always wanted to explore and see if

0:34:06.000 --> 0:34:09.279
<v Speaker 2>there were any options for me. Like many people, I

0:34:09.320 --> 0:34:12.600
<v Speaker 2>have a few financial responsibilities like rent and bills that

0:34:12.640 --> 0:34:15.720
<v Speaker 2>I feel like are furthering my education. But I wouldn't

0:34:15.719 --> 0:34:18.239
<v Speaker 2>be able to put much money into investing, but I

0:34:18.239 --> 0:34:20.439
<v Speaker 2>would like to educate myself and I want to see

0:34:20.480 --> 0:34:23.960
<v Speaker 2>what my options might be. So that's a question from Ariel.

0:34:24.880 --> 0:34:26.480
<v Speaker 2>I mean, what do you say to people when they're like,

0:34:26.719 --> 0:34:28.399
<v Speaker 2>you know, I really don't feel like I know enough

0:34:28.440 --> 0:34:30.480
<v Speaker 2>to start investing. Where do I even start?

0:34:32.280 --> 0:34:34.280
<v Speaker 5>I mean to start? Of course, you know, Black markets

0:34:34.320 --> 0:34:38.000
<v Speaker 5>Change is a wonderful platform, but there are other avenues

0:34:38.000 --> 0:34:40.920
<v Speaker 5>out there, you know, investor pedias out there, and I

0:34:40.960 --> 0:34:43.520
<v Speaker 5>actually believe in, you know, some passive approaches kind of

0:34:43.520 --> 0:34:46.640
<v Speaker 5>like how a Rosetta Stone works. So you know, networks

0:34:46.680 --> 0:34:50.880
<v Speaker 5>like a CNBC, Fox Business or a Bloomberg even just

0:34:50.920 --> 0:34:54.160
<v Speaker 5>reading on Yahoo Finance or a market Watch can really

0:34:54.200 --> 0:34:56.720
<v Speaker 5>help someone to kind of understand the market's better simply

0:34:56.760 --> 0:34:58.240
<v Speaker 5>by being in that element.

0:34:58.560 --> 0:34:58.759
<v Speaker 3>You know.

0:34:59.040 --> 0:35:00.960
<v Speaker 5>It's it's almost like if you I don't want to

0:35:00.960 --> 0:35:03.240
<v Speaker 5>say exactly, but you know, if you go to sleep

0:35:03.280 --> 0:35:05.440
<v Speaker 5>and let's say you just have some something going on

0:35:05.600 --> 0:35:08.960
<v Speaker 5>in some headphones and it's about investing, you might pastly

0:35:09.000 --> 0:35:11.280
<v Speaker 5>gain that information. And I think that that is really

0:35:11.320 --> 0:35:14.839
<v Speaker 5>helpful for people to understand because one thing that I've

0:35:14.840 --> 0:35:17.360
<v Speaker 5>come across from some of my audience is that the

0:35:17.480 --> 0:35:21.719
<v Speaker 5>lingo is very hard to understand, and it's really just

0:35:21.840 --> 0:35:24.279
<v Speaker 5>throwing around a lot of different terms, but they really

0:35:24.360 --> 0:35:27.040
<v Speaker 5>end up meaning the same thing. And so, you know,

0:35:27.320 --> 0:35:29.600
<v Speaker 5>it's just a little bit intimidating at first. But if

0:35:29.640 --> 0:35:32.799
<v Speaker 5>you can find something a platform that you're comfortable with,

0:35:33.560 --> 0:35:36.080
<v Speaker 5>you know, regardless of where that may be at. There's

0:35:36.120 --> 0:35:39.520
<v Speaker 5>several financial blogs out there and platforms that can really

0:35:39.560 --> 0:35:44.440
<v Speaker 5>help people understand finances and investing at a very basic level.

0:35:44.640 --> 0:35:46.920
<v Speaker 5>And so really it's just finding that one to connect with.

0:35:47.360 --> 0:35:50.440
<v Speaker 2>Well, let me interrupt you, because I feel like, you know,

0:35:50.600 --> 0:35:53.040
<v Speaker 2>my younger brother included some young people I talked to,

0:35:53.480 --> 0:35:55.680
<v Speaker 2>They're like, you know, I can't even think about investing,

0:35:55.719 --> 0:35:57.640
<v Speaker 2>you know, I just want to save cash. You know,

0:35:57.680 --> 0:36:01.000
<v Speaker 2>I saw my parents go through hell during the recession.

0:36:01.840 --> 0:36:05.400
<v Speaker 2>I'm not willing to gamble in the stock market, so

0:36:05.480 --> 0:36:07.000
<v Speaker 2>I'm just gonna put everything I have in the savings

0:36:07.000 --> 0:36:09.319
<v Speaker 2>account and just figure it out later. I mean, what

0:36:09.360 --> 0:36:12.000
<v Speaker 2>do you say to people who aren't who feel like

0:36:12.080 --> 0:36:13.480
<v Speaker 2>cash is a safer investment.

0:36:15.480 --> 0:36:17.440
<v Speaker 5>I mean, it's great to have, of course, and you

0:36:17.480 --> 0:36:20.960
<v Speaker 5>need it for emergencies. However, when you look at something

0:36:21.000 --> 0:36:23.759
<v Speaker 5>such as inflation that's going to eat away at that

0:36:23.880 --> 0:36:26.799
<v Speaker 5>cash that's just standing idle. That's really going to hurt

0:36:26.800 --> 0:36:30.279
<v Speaker 5>you in the long run. So you know, you mentioned

0:36:30.320 --> 0:36:33.480
<v Speaker 5>the recession in the market going down. However, the market

0:36:33.520 --> 0:36:36.440
<v Speaker 5>tends to be cyclical, so over time it's always going

0:36:36.520 --> 0:36:40.520
<v Speaker 5>to end up recovering. And you know, since the nineteen twenties,

0:36:40.520 --> 0:36:44.320
<v Speaker 5>the market has returned on average about seven percent after inflation.

0:36:44.360 --> 0:36:46.440
<v Speaker 5>And when I say inflation, I mean on average your

0:36:46.480 --> 0:36:49.000
<v Speaker 5>money is worth or it has three percent less buying

0:36:49.040 --> 0:36:51.680
<v Speaker 5>power than it did before. So say, for instance, if

0:36:51.719 --> 0:36:54.759
<v Speaker 5>you say one hundred dollars this year, next year, it's

0:36:54.800 --> 0:36:56.759
<v Speaker 5>really only going to be able to purchase something at

0:36:56.760 --> 0:36:59.400
<v Speaker 5>about a ninety seven dollars price point, and that trend

0:36:59.480 --> 0:37:01.839
<v Speaker 5>is going to tinue on and on and on. So

0:37:02.000 --> 0:37:05.239
<v Speaker 5>the more you continue to only save that money is

0:37:05.280 --> 0:37:08.000
<v Speaker 5>going to be worth less in the future. And even

0:37:08.040 --> 0:37:11.120
<v Speaker 5>though from a dollar value it seems like it's a lot,

0:37:11.200 --> 0:37:14.000
<v Speaker 5>from an actual purchasing power, and what you can do

0:37:14.080 --> 0:37:16.879
<v Speaker 5>with that money isn't to your advantage, and that's why

0:37:16.920 --> 0:37:18.120
<v Speaker 5>investing is so important.

0:37:18.920 --> 0:37:21.719
<v Speaker 2>So it's sort of think of cash as money her

0:37:21.760 --> 0:37:24.719
<v Speaker 2>saving for money that you're gonna need really soon, and

0:37:24.840 --> 0:37:27.480
<v Speaker 2>investing is all about for the long term stuff that

0:37:27.520 --> 0:37:29.720
<v Speaker 2>you'll need later, like retirement funds.

0:37:29.440 --> 0:37:32.319
<v Speaker 5>Right exactly, And it's always great to have. I mean,

0:37:32.360 --> 0:37:34.319
<v Speaker 5>you're gonna want to have some cash when you are

0:37:34.320 --> 0:37:37.120
<v Speaker 5>in retirement, but specifically that cash is going to be

0:37:37.239 --> 0:37:39.160
<v Speaker 5>more so that you can dip into if you need

0:37:39.200 --> 0:37:41.480
<v Speaker 5>it now. You know, if you think about real estate,

0:37:41.880 --> 0:37:43.440
<v Speaker 5>if you have all your money tied up in real

0:37:43.560 --> 0:37:45.879
<v Speaker 5>estate and you have an emergency, it's hard to get

0:37:45.920 --> 0:37:48.719
<v Speaker 5>that money out. So that's why cash and even investments

0:37:48.800 --> 0:37:52.239
<v Speaker 5>for that matter, are great vehicles because they allow you

0:37:52.320 --> 0:37:55.880
<v Speaker 5>to obtain that cash quicker. And that's what you're saving

0:37:55.960 --> 0:37:57.279
<v Speaker 5>is really going to do. It's just gonna give you

0:37:57.320 --> 0:37:59.719
<v Speaker 5>that safety net, you know, for the interim until you

0:37:59.719 --> 0:38:01.560
<v Speaker 5>know you contain to build wealth over time.

0:38:02.360 --> 0:38:04.879
<v Speaker 2>Okay, so let's talk about the stock market for people

0:38:04.920 --> 0:38:06.839
<v Speaker 2>who don't know what is this? Like, what do you

0:38:06.880 --> 0:38:09.040
<v Speaker 2>What do people mean when they say the market, I'm

0:38:09.080 --> 0:38:11.680
<v Speaker 2>in the market, the market's up, the market's down. What's

0:38:11.719 --> 0:38:12.440
<v Speaker 2>the stock market?

0:38:13.560 --> 0:38:17.840
<v Speaker 5>So the stock market is actually in reference to just stocks,

0:38:18.280 --> 0:38:20.960
<v Speaker 5>and so you might people might think that it's associated

0:38:21.000 --> 0:38:23.840
<v Speaker 5>with bonds and you know, every other kind of vehicle,

0:38:23.880 --> 0:38:26.720
<v Speaker 5>could be real estate, whatever. But really the stock market

0:38:26.800 --> 0:38:29.400
<v Speaker 5>is specifically for stocks. Now, you might have something like

0:38:29.480 --> 0:38:33.200
<v Speaker 5>in exchange traded fund, which is similar to a mutual fund,

0:38:33.239 --> 0:38:35.960
<v Speaker 5>but it's kind of has more of the price friendliness

0:38:36.000 --> 0:38:39.360
<v Speaker 5>of a stock. But traditionally the stock market itself is

0:38:39.400 --> 0:38:42.760
<v Speaker 5>about stocks. But then you can have the bonds market.

0:38:42.840 --> 0:38:45.600
<v Speaker 5>You know, you can have a foreign currency or or

0:38:45.680 --> 0:38:49.000
<v Speaker 5>the four x marketplace. So the stock market itself is

0:38:49.000 --> 0:38:52.840
<v Speaker 5>specifically it's specifically about stocks. But since we're usually talking

0:38:52.880 --> 0:38:55.360
<v Speaker 5>in a general sense, when someone says like I'm in

0:38:55.440 --> 0:38:58.719
<v Speaker 5>the market, essentially they're just saying I'm investing in some

0:38:58.800 --> 0:39:01.280
<v Speaker 5>form or fashion, and it's traditionally going to be related

0:39:01.280 --> 0:39:02.480
<v Speaker 5>to stocks or bonds.

0:39:03.120 --> 0:39:05.160
<v Speaker 2>Now, stocks, what are those like? I'm trying to get

0:39:05.200 --> 0:39:06.960
<v Speaker 2>to the questions that people are too afraid to ask

0:39:06.960 --> 0:39:08.720
<v Speaker 2>because they think they sound stupid. What's a stock?

0:39:10.200 --> 0:39:12.440
<v Speaker 5>A stock is just ownership in a company. So you

0:39:12.440 --> 0:39:14.759
<v Speaker 5>may have heard of the term equity before. So if

0:39:14.760 --> 0:39:17.160
<v Speaker 5>you own shares of stock in a company, you have

0:39:17.200 --> 0:39:20.120
<v Speaker 5>equity or ownership in that company, and that's all that

0:39:20.120 --> 0:39:20.560
<v Speaker 5>it means.

0:39:20.880 --> 0:39:23.560
<v Speaker 2>Gotcha. One of the one of the things when people

0:39:23.560 --> 0:39:26.080
<v Speaker 2>ask me, you know, I want to start investing, like

0:39:26.360 --> 0:39:28.480
<v Speaker 2>where should I start trading stocks? And I'm like, whoa,

0:39:28.480 --> 0:39:30.920
<v Speaker 2>woo woo whoo, whoa, why do you feel the need

0:39:31.000 --> 0:39:34.520
<v Speaker 2>to trade stocks? Like people tend to forget that just

0:39:34.680 --> 0:39:37.880
<v Speaker 2>simply opening up a four to one K is a

0:39:37.880 --> 0:39:40.480
<v Speaker 2>form of investing. So, you know, what advice do you

0:39:40.480 --> 0:39:43.560
<v Speaker 2>have for people who you know are kind of torn

0:39:43.600 --> 0:39:45.719
<v Speaker 2>between should I open up before one K or should I,

0:39:45.800 --> 0:39:47.320
<v Speaker 2>you know, get a fidelity account?

0:39:48.680 --> 0:39:51.960
<v Speaker 5>Well as far as your four one K goes, definitely

0:39:51.960 --> 0:39:54.800
<v Speaker 5>looking to see if your company offers a match program.

0:39:55.080 --> 0:39:57.160
<v Speaker 5>And by a match program, I mean that they might

0:39:57.200 --> 0:39:59.919
<v Speaker 5>say for every you know, five percent of your check,

0:40:00.080 --> 0:40:02.160
<v Speaker 5>will match it up to one hundred percent of that

0:40:02.200 --> 0:40:05.000
<v Speaker 5>five percent. So if you put in, for example, one

0:40:05.080 --> 0:40:07.439
<v Speaker 5>hundred dollars, they'll match that one hundred dollars and they'll

0:40:07.440 --> 0:40:10.400
<v Speaker 5>do that every time you get paid. And that is

0:40:10.480 --> 0:40:13.839
<v Speaker 5>essentially free money. That's regardless of how the market is doing,

0:40:13.840 --> 0:40:16.280
<v Speaker 5>if it's going up or going down, they're just matching

0:40:16.320 --> 0:40:19.440
<v Speaker 5>your money. So in opening and getting a four one K,

0:40:19.719 --> 0:40:22.360
<v Speaker 5>it's highly recommended as long at least if there is

0:40:22.400 --> 0:40:25.480
<v Speaker 5>a match program in place. Now if you're if an

0:40:25.520 --> 0:40:29.040
<v Speaker 5>employer doesn't offer a match program. Then you have other

0:40:29.080 --> 0:40:31.759
<v Speaker 5>opportunities such as a traditional IRA, or which is an

0:40:31.760 --> 0:40:36.680
<v Speaker 5>individual retirement account a rough IRA. They essentially have different

0:40:36.719 --> 0:40:40.160
<v Speaker 5>tax implications, which you know may be another talk, but

0:40:40.200 --> 0:40:43.560
<v Speaker 5>those are ways for people to invest in for retirement

0:40:43.920 --> 0:40:47.640
<v Speaker 5>without necessarily tying it to their employer. And that's where

0:40:47.640 --> 0:40:49.840
<v Speaker 5>you know, a fidelity account will come into play, or

0:40:49.880 --> 0:40:52.759
<v Speaker 5>you know, something like a TD ameritrade or something like that.

0:40:53.200 --> 0:40:58.160
<v Speaker 2>Yeah, and I'm sorry, I was just gonna say having

0:40:58.200 --> 0:41:01.319
<v Speaker 2>an IRA. So basically, the IRA is basically it's just

0:41:01.360 --> 0:41:02.960
<v Speaker 2>like a four oh one K, except for you own

0:41:03.000 --> 0:41:05.520
<v Speaker 2>it yourself. It's not through your employer, so you take

0:41:05.560 --> 0:41:08.320
<v Speaker 2>it with you wherever you go when you search jobs.

0:41:09.000 --> 0:41:11.160
<v Speaker 2>Do you feel like everyone should have an IRA that

0:41:11.239 --> 0:41:14.120
<v Speaker 2>they have opened so that when they switch jobs they

0:41:14.120 --> 0:41:17.239
<v Speaker 2>can easily just like roll over their their four oh

0:41:17.280 --> 0:41:18.480
<v Speaker 2>one K into that IRA.

0:41:19.960 --> 0:41:22.560
<v Speaker 5>It's always great to have options, even if you're just

0:41:22.600 --> 0:41:26.120
<v Speaker 5>contributing you know, a little bit amount in there. I

0:41:26.160 --> 0:41:27.680
<v Speaker 5>definitely think it would be good to all. It's kind

0:41:27.680 --> 0:41:29.560
<v Speaker 5>of like life insurance. You know, when you have life

0:41:29.560 --> 0:41:33.080
<v Speaker 5>insurance through your job. Technically that's not really guaranteed because

0:41:33.120 --> 0:41:36.000
<v Speaker 5>it's tied to your job, so you kind of always

0:41:36.040 --> 0:41:38.000
<v Speaker 5>want to have a little bit extra outside, and so

0:41:38.040 --> 0:41:40.480
<v Speaker 5>I would look at getting an IRA in the same fashion.

0:41:40.920 --> 0:41:44.680
<v Speaker 5>You don't necessarily have to put, you know, exuberant amount

0:41:44.719 --> 0:41:47.120
<v Speaker 5>of money in there, and you know, until you're really

0:41:47.120 --> 0:41:49.840
<v Speaker 5>maxing out the full and K portion. However, it is

0:41:49.880 --> 0:41:53.040
<v Speaker 5>good to have something in place already. That way, in

0:41:53.080 --> 0:41:55.960
<v Speaker 5>the event something happens, that transition can happen quicker and

0:41:56.040 --> 0:41:56.719
<v Speaker 5>more efficiently.

0:41:57.800 --> 0:42:00.520
<v Speaker 2>So when people are looking I remember my job in

0:42:00.560 --> 0:42:03.120
<v Speaker 2>New York. Oh my god, I I knew nothing about

0:42:03.560 --> 0:42:05.400
<v Speaker 2>investing or what a four oh one K was. I

0:42:05.440 --> 0:42:08.120
<v Speaker 2>knew that we've I vaguely remember from orientation we had

0:42:08.160 --> 0:42:10.319
<v Speaker 2>a four oh one K. It wasn't until I left

0:42:10.320 --> 0:42:13.120
<v Speaker 2>two years later that I realized they matched and I

0:42:13.160 --> 0:42:16.319
<v Speaker 2>hadn't been contributing a nickel and I basically left all

0:42:16.320 --> 0:42:19.359
<v Speaker 2>that money on the table. But I didn't sign up

0:42:19.360 --> 0:42:22.400
<v Speaker 2>because I was so overwhelmed by the options. So for

0:42:22.480 --> 0:42:24.520
<v Speaker 2>people who are you know, they know they have a

0:42:24.560 --> 0:42:26.279
<v Speaker 2>four to one K or a four H three B

0:42:26.840 --> 0:42:29.600
<v Speaker 2>and their employer is like, here's your investment options, and

0:42:29.600 --> 0:42:31.520
<v Speaker 2>there's twenty of them, and they don't know what the heck,

0:42:31.560 --> 0:42:34.520
<v Speaker 2>all those letters mean, I mean, what's your advice for

0:42:34.560 --> 0:42:37.120
<v Speaker 2>someone who's just starting to figure out what's the right

0:42:37.320 --> 0:42:38.840
<v Speaker 2>investment for them.

0:42:39.760 --> 0:42:43.640
<v Speaker 5>They should definitely look into see who's running their account.

0:42:44.080 --> 0:42:47.080
<v Speaker 5>They can get that information from their human resources department,

0:42:47.320 --> 0:42:51.279
<v Speaker 5>you mean, right, right, So you know, you might be

0:42:51.320 --> 0:42:54.360
<v Speaker 5>employed by a company ABC, but they could be using

0:42:54.440 --> 0:42:56.839
<v Speaker 5>a Vanguard or a Fidelity to help manage your four

0:42:56.920 --> 0:42:59.279
<v Speaker 5>one K or four or three B and so you know,

0:42:59.320 --> 0:43:04.560
<v Speaker 5>whoever's managing your money, there's always somebody that you should

0:43:04.560 --> 0:43:06.560
<v Speaker 5>be able to get in contact with at that company,

0:43:06.760 --> 0:43:08.960
<v Speaker 5>and someone should be able to assist you in regards

0:43:08.960 --> 0:43:12.200
<v Speaker 5>to choices. Now, usually when you are opening your full

0:43:12.239 --> 0:43:14.759
<v Speaker 5>and care you know, a retirement account with their employer,

0:43:15.040 --> 0:43:17.000
<v Speaker 5>they're going to give you, you know, kind of like

0:43:17.040 --> 0:43:19.319
<v Speaker 5>a pans lit with all these different options in there,

0:43:19.360 --> 0:43:21.719
<v Speaker 5>and that can seem overwhelming, and that's when you want

0:43:21.760 --> 0:43:24.360
<v Speaker 5>to reach out to that financial professional at that company

0:43:24.400 --> 0:43:28.960
<v Speaker 5>to help you. I know, my current job, we were

0:43:28.960 --> 0:43:32.040
<v Speaker 5>actually brought out by another organization and they had a

0:43:32.200 --> 0:43:35.799
<v Speaker 5>representative from the financial institution come and sit down with

0:43:35.880 --> 0:43:39.080
<v Speaker 5>every employee as they were setting up their account, kind

0:43:39.120 --> 0:43:42.200
<v Speaker 5>of explaining everything. So you know, if you think about it,

0:43:42.239 --> 0:43:45.319
<v Speaker 5>these different funds out here have fees tied to them,

0:43:45.640 --> 0:43:47.879
<v Speaker 5>so you're paying for those services. A lot of times

0:43:47.920 --> 0:43:49.799
<v Speaker 5>people just don't know that that comes with what you're

0:43:49.840 --> 0:43:51.920
<v Speaker 5>paying for. So, you know, the best thing that you

0:43:51.920 --> 0:43:53.239
<v Speaker 5>can do is just ask, you know.

0:43:53.840 --> 0:43:56.839
<v Speaker 2>How do you feel about target date funds? Target date

0:43:56.920 --> 0:44:02.280
<v Speaker 2>funds are basically your in according to your age, according

0:44:02.280 --> 0:44:05.839
<v Speaker 2>to your projected retirement date, and they're supposed to be

0:44:05.880 --> 0:44:07.799
<v Speaker 2>like a set it and forget it type thing. Like

0:44:07.960 --> 0:44:10.160
<v Speaker 2>it's like it's like kind of going to a buffet

0:44:10.239 --> 0:44:13.600
<v Speaker 2>where you get a little bit of everything, and it's

0:44:13.600 --> 0:44:15.760
<v Speaker 2>supposed to be like the easy way for young people

0:44:15.760 --> 0:44:19.040
<v Speaker 2>to get into investing. What's your take on target date

0:44:19.080 --> 0:44:21.080
<v Speaker 2>funds and is that a smart move to make when

0:44:21.120 --> 0:44:22.040
<v Speaker 2>you're just starting out.

0:44:23.320 --> 0:44:25.560
<v Speaker 5>I think target day funds are definitely a good move

0:44:25.640 --> 0:44:29.520
<v Speaker 5>to make. However, you know, I wouldn't try to spread

0:44:29.560 --> 0:44:32.319
<v Speaker 5>across so many different funds because I mentioned, you know,

0:44:32.400 --> 0:44:34.440
<v Speaker 5>not too long ago, that there's several options that you

0:44:34.480 --> 0:44:38.000
<v Speaker 5>may be presented with. Also, you don't necessarily have to

0:44:38.040 --> 0:44:42.160
<v Speaker 5>look at just the target date based on you know,

0:44:42.280 --> 0:44:44.480
<v Speaker 5>one year when you plan to retire. You know, maybe

0:44:44.600 --> 0:44:47.000
<v Speaker 5>look at a couple of different years and see what

0:44:47.160 --> 0:44:49.400
<v Speaker 5>is within those funds, and if you do, you know,

0:44:49.560 --> 0:44:52.400
<v Speaker 5>look into more than one fund at a time, just

0:44:52.440 --> 0:44:55.279
<v Speaker 5>see what is in them, because you know, you may

0:44:55.440 --> 0:44:57.560
<v Speaker 5>you may have heard of it. Where the younger you are,

0:44:57.600 --> 0:44:59.560
<v Speaker 5>the more the riskier that you can be with your

0:44:59.600 --> 0:45:02.839
<v Speaker 5>money or with your investments. So people tend to tend

0:45:02.840 --> 0:45:05.440
<v Speaker 5>to be you know, stock heavy and not necessarily as

0:45:05.520 --> 0:45:07.520
<v Speaker 5>much as in bonds. And the older you get, the

0:45:07.520 --> 0:45:10.320
<v Speaker 5>more that kind of shifts in the vice versa direction.

0:45:10.880 --> 0:45:13.720
<v Speaker 5>And so really just looking at what is in those funds.

0:45:13.800 --> 0:45:16.240
<v Speaker 5>Is it bond heavy? Is it is it stock heavy?

0:45:16.600 --> 0:45:19.680
<v Speaker 5>Does it pay dividends out from the fund? These are

0:45:19.760 --> 0:45:22.319
<v Speaker 5>things that you can look for with that fund. What

0:45:22.440 --> 0:45:26.440
<v Speaker 5>is the performance history of that fund? What's the management

0:45:26.520 --> 0:45:28.880
<v Speaker 5>history of that fund? If you have ten managers in

0:45:28.920 --> 0:45:31.600
<v Speaker 5>ten years, even though that might be the target fund

0:45:31.600 --> 0:45:33.920
<v Speaker 5>for when you plan to retire, does that mean that

0:45:33.960 --> 0:45:36.080
<v Speaker 5>it's a good fund because of that high turnover? You know,

0:45:36.080 --> 0:45:39.000
<v Speaker 5>that's something to consider and once again that that's something

0:45:39.000 --> 0:45:42.280
<v Speaker 5>that you know, the financial financial professional at that institution

0:45:42.400 --> 0:45:44.480
<v Speaker 5>can really sit down with you and kind of explain

0:45:44.520 --> 0:45:47.080
<v Speaker 5>those different options and what they mean. You know, even

0:45:47.200 --> 0:45:49.600
<v Speaker 5>just basic down to what is a stock, what is

0:45:49.600 --> 0:45:52.920
<v Speaker 5>a bond, what is a dividend, what is an expense ratio?

0:45:53.840 --> 0:45:55.960
<v Speaker 5>You know, just things of that nature, And so it

0:45:56.000 --> 0:45:58.719
<v Speaker 5>can really be beneficial using a target day fund. Just

0:45:58.800 --> 0:46:01.160
<v Speaker 5>make sure that you're not just only setting it and

0:46:01.160 --> 0:46:02.920
<v Speaker 5>forgetting it. You want to read the fine print and

0:46:03.000 --> 0:46:04.759
<v Speaker 5>kind of research a little bit more to make sure

0:46:05.040 --> 0:46:06.640
<v Speaker 5>that it's going to be the right move for you.

0:46:07.280 --> 0:46:10.520
<v Speaker 2>And I know a lot of people like they think

0:46:10.560 --> 0:46:12.239
<v Speaker 2>a target day fund like they should get a bunch

0:46:12.239 --> 0:46:14.080
<v Speaker 2>of different ones. But a target day fund is meant

0:46:14.120 --> 0:46:15.960
<v Speaker 2>to be an all in one solution, Like you just

0:46:16.000 --> 0:46:19.920
<v Speaker 2>need one target date fund because it's already diversified within itself.

0:46:20.000 --> 0:46:24.160
<v Speaker 5>Right, Yes, yes it is, And that's what I was saying,

0:46:24.200 --> 0:46:26.640
<v Speaker 5>Like it can have different variables in it. It's just

0:46:26.719 --> 0:46:30.239
<v Speaker 5>what are those variables that are within it? And you know,

0:46:30.360 --> 0:46:33.000
<v Speaker 5>how risk averse do you want to be or how

0:46:33.040 --> 0:46:35.359
<v Speaker 5>tolerant are you? You know I mentioned about some could

0:46:35.400 --> 0:46:38.320
<v Speaker 5>be more stock heavy, some could be more bond heavy,

0:46:38.400 --> 0:46:41.480
<v Speaker 5>some might pay dividends, Some might have more exposure in

0:46:41.480 --> 0:46:44.600
<v Speaker 5>international markets than others. So those are the things that

0:46:44.640 --> 0:46:47.120
<v Speaker 5>you want to look at when choosing one. And then

0:46:47.239 --> 0:46:50.400
<v Speaker 5>you know, try to you can be diversified within one fund,

0:46:50.600 --> 0:46:52.200
<v Speaker 5>just try to make sure that you have a nice

0:46:52.280 --> 0:46:53.239
<v Speaker 5>balance within there.

0:46:54.080 --> 0:46:57.680
<v Speaker 2>I mean, why is it important for people to invest early?

0:46:57.960 --> 0:47:00.400
<v Speaker 2>We talk a lot about young people. Why all the

0:47:00.400 --> 0:47:02.320
<v Speaker 2>pressure to start doing it when you're so young.

0:47:03.320 --> 0:47:05.520
<v Speaker 5>I mean, we've all heard of the phrase compound interest.

0:47:05.960 --> 0:47:07.800
<v Speaker 5>We know that that's the eighth winder of the world.

0:47:07.880 --> 0:47:11.759
<v Speaker 5>So the sooner you start there, the more time you

0:47:11.840 --> 0:47:15.799
<v Speaker 5>have to accumulate wealth. And by that, you know, if

0:47:15.840 --> 0:47:19.239
<v Speaker 5>you're making on average, you know, a certain percentage every year.

0:47:19.719 --> 0:47:21.840
<v Speaker 5>You have to think about it. You know, for example,

0:47:21.880 --> 0:47:25.440
<v Speaker 5>ten percent of one dollar one year is less than

0:47:25.440 --> 0:47:27.799
<v Speaker 5>ten percent of ten dollars the next year. And so

0:47:27.840 --> 0:47:29.919
<v Speaker 5>the more you contribute, the more that your money makes

0:47:29.960 --> 0:47:33.920
<v Speaker 5>over time. That percentage amount might stay the same on average,

0:47:34.239 --> 0:47:37.319
<v Speaker 5>but the amount it actually means in dollar value is

0:47:37.360 --> 0:47:39.440
<v Speaker 5>going to be more, which is going to help you

0:47:39.480 --> 0:47:41.960
<v Speaker 5>achieve your goal faster and get to retirement and live

0:47:42.040 --> 0:47:43.279
<v Speaker 5>comfortably in retirement.

0:47:44.160 --> 0:47:47.120
<v Speaker 2>It's amazing what happens when you just like let time work.

0:47:48.120 --> 0:47:51.560
<v Speaker 2>I wish I was twenty four when I started finally

0:47:51.600 --> 0:47:54.560
<v Speaker 2>got my life together and started investing, And I think

0:47:54.600 --> 0:47:56.719
<v Speaker 2>I just started putting away five or six percent and

0:47:56.719 --> 0:47:59.439
<v Speaker 2>then eventually ten and eleven percent. When I was trying

0:47:59.480 --> 0:48:02.319
<v Speaker 2>to you know, when I got a raise and I

0:48:02.400 --> 0:48:04.440
<v Speaker 2>moved to a new job and I just checked my account,

0:48:04.480 --> 0:48:08.080
<v Speaker 2>I have forty thousand dollars in only four years, four.

0:48:08.040 --> 0:48:11.000
<v Speaker 5>Or five years exactly. And a lot of times that's

0:48:11.000 --> 0:48:12.600
<v Speaker 5>how it happens. You look up and you're like, wait

0:48:12.640 --> 0:48:14.879
<v Speaker 5>a minute, where'd all that money come from? And it's

0:48:15.040 --> 0:48:17.879
<v Speaker 5>it's you know, life insurance kind of works similar with

0:48:18.040 --> 0:48:20.640
<v Speaker 5>whole life, and you think about cash value a lot

0:48:20.640 --> 0:48:22.640
<v Speaker 5>of times. You always hear once you get about seven

0:48:22.719 --> 0:48:26.040
<v Speaker 5>or eight years that cash value really kicks into your benefit.

0:48:26.400 --> 0:48:29.000
<v Speaker 5>And it just works the same way when you're talking

0:48:29.040 --> 0:48:32.280
<v Speaker 5>about investing in the markets, and you know a prime example,

0:48:32.360 --> 0:48:34.319
<v Speaker 5>I have an account for my daughter, she's two years

0:48:34.360 --> 0:48:38.040
<v Speaker 5>old now, and I do savings challenges to apply money

0:48:38.040 --> 0:48:42.200
<v Speaker 5>in there. I invest in you know, particular opportunities, and

0:48:42.239 --> 0:48:44.279
<v Speaker 5>by the time you know, she's in high school, my

0:48:44.360 --> 0:48:46.120
<v Speaker 5>goal is for her to have a set amount in

0:48:46.160 --> 0:48:48.680
<v Speaker 5>her account already, so that way when it's time to

0:48:48.680 --> 0:48:51.239
<v Speaker 5>go to college, we have that option for money she

0:48:51.320 --> 0:48:53.560
<v Speaker 5>wants to start a business, whatever it is that she

0:48:53.600 --> 0:48:56.239
<v Speaker 5>wants to do now that the option is there, and then,

0:48:56.560 --> 0:48:59.080
<v Speaker 5>of course I hope that when she has her children

0:48:59.320 --> 0:49:02.520
<v Speaker 5>it just continue on and on and that generational wealth

0:49:02.880 --> 0:49:04.080
<v Speaker 5>is really in place.

0:49:04.719 --> 0:49:06.920
<v Speaker 2>Also, she's really cute. You gotta go check out his blog.

0:49:07.560 --> 0:49:09.960
<v Speaker 2>I didn't even mention the website, the the b m

0:49:10.200 --> 0:49:11.440
<v Speaker 2>EX dot.

0:49:11.200 --> 0:49:13.560
<v Speaker 5>Com, right, yes, yes.

0:49:13.600 --> 0:49:18.440
<v Speaker 2>THEBMEX dot com, the Black Market Exchange, and real quick,

0:49:18.920 --> 0:49:21.279
<v Speaker 2>let us talk about where to start. Okay, we talked

0:49:21.320 --> 0:49:23.680
<v Speaker 2>a little bit about the four oh one K, but

0:49:23.960 --> 0:49:28.400
<v Speaker 2>some of these companies, Vanguard Fidelity, Charles Schwab, they they require,

0:49:28.680 --> 0:49:31.440
<v Speaker 2>you know, five hundred thousand dollars to open an account.

0:49:31.480 --> 0:49:33.680
<v Speaker 2>What if you don't even have the money to open

0:49:33.760 --> 0:49:35.160
<v Speaker 2>up an IRA right now?

0:49:36.920 --> 0:49:39.800
<v Speaker 5>There are several other options that have come about nowadays.

0:49:39.840 --> 0:49:41.640
<v Speaker 5>I mean, if you look at a company like an

0:49:41.640 --> 0:49:45.400
<v Speaker 5>Acorn's Betterment, they're allowing people to start investing with a

0:49:45.400 --> 0:49:48.200
<v Speaker 5>little less five dollars and you know, maybe one hundred

0:49:48.200 --> 0:49:51.840
<v Speaker 5>dollars contribution. So those are they're definitely a lot of

0:49:51.880 --> 0:49:56.720
<v Speaker 5>outlets available to people, specifically if you don't have those amounts,

0:49:56.800 --> 0:49:59.040
<v Speaker 5>and you know that kind of goes to investing was

0:49:59.080 --> 0:50:02.239
<v Speaker 5>always reserved for extremely wealthy well, there are a lot

0:50:02.280 --> 0:50:06.000
<v Speaker 5>of firms that are coming out that are realizing clearly

0:50:06.040 --> 0:50:08.560
<v Speaker 5>everyone is not extremely wealthy, so what can we do

0:50:08.600 --> 0:50:11.320
<v Speaker 5>for the for everyone else? And you know, just a

0:50:11.360 --> 0:50:13.839
<v Speaker 5>lot of opportunities are coming about to where people can

0:50:13.880 --> 0:50:16.680
<v Speaker 5>start investing. And it might not sound like a lot

0:50:16.760 --> 0:50:19.400
<v Speaker 5>doing five and ten dollars here and there, but that

0:50:19.520 --> 0:50:22.399
<v Speaker 5>compound interest is lovely when it kicks in over time.

0:50:22.480 --> 0:50:24.680
<v Speaker 5>So you just have to be patient and just wait

0:50:24.760 --> 0:50:25.040
<v Speaker 5>it out.

0:50:25.960 --> 0:50:28.960
<v Speaker 2>Now, exactly what I get this question a lot too.

0:50:29.000 --> 0:50:31.040
<v Speaker 2>How much is enough? You know, five ten dollars is

0:50:31.080 --> 0:50:33.239
<v Speaker 2>one thing, But what if you you know, you're you're

0:50:33.280 --> 0:50:35.719
<v Speaker 2>getting a steady paycheck and you're you know, you have

0:50:35.760 --> 0:50:38.800
<v Speaker 2>your little twenty percent for your your student loan payment

0:50:38.880 --> 0:50:40.680
<v Speaker 2>or whatever. I mean, how do you decide how much

0:50:40.719 --> 0:50:43.360
<v Speaker 2>you set aside for retirement or investing.

0:50:43.600 --> 0:50:46.040
<v Speaker 5>I would say, just just start with a goal and

0:50:46.080 --> 0:50:48.440
<v Speaker 5>see what's comfortable within your budget. So maybe if you

0:50:48.480 --> 0:50:51.359
<v Speaker 5>do start with five percent of your paycheck and you know,

0:50:51.400 --> 0:50:53.680
<v Speaker 5>see how that goes for you know, a few months,

0:50:53.960 --> 0:50:55.880
<v Speaker 5>if everything seems to be okay, you still have a

0:50:55.920 --> 0:50:58.719
<v Speaker 5>little extra cash, maybe bump it up to you know,

0:50:58.920 --> 0:51:01.880
<v Speaker 5>six or seven percent and just continue on in that process.

0:51:02.280 --> 0:51:04.600
<v Speaker 5>It's similar to with the full one k that we mentioned.

0:51:04.680 --> 0:51:06.719
<v Speaker 5>Usually when you start with the four one k, you

0:51:06.760 --> 0:51:08.960
<v Speaker 5>might start with the lower percentage of your paycheck. But

0:51:09.000 --> 0:51:11.920
<v Speaker 5>as you grow older, you know your expenses are probably

0:51:12.000 --> 0:51:13.920
<v Speaker 5>less and so you have extra money that you can

0:51:13.960 --> 0:51:16.719
<v Speaker 5>start contributing more and more, and so it works the

0:51:16.719 --> 0:51:20.040
<v Speaker 5>same way. However you plan to invest, just simply start

0:51:20.080 --> 0:51:22.839
<v Speaker 5>within amount or you know, percentage however you want to

0:51:22.880 --> 0:51:25.920
<v Speaker 5>look at it, and then just start increasing that as

0:51:26.280 --> 0:51:27.720
<v Speaker 5>comfortable within your budget.

0:51:28.600 --> 0:51:32.000
<v Speaker 2>Just start period right, just like do it, don't wish exactly,

0:51:32.480 --> 0:51:34.160
<v Speaker 2>don't wait until you're smart enough. Do you get that?

0:51:34.200 --> 0:51:36.319
<v Speaker 2>I mean I feel like sometimes people are like, wo,

0:51:36.640 --> 0:51:38.600
<v Speaker 2>I'm not an expert yet, Like I don't have a

0:51:38.640 --> 0:51:41.759
<v Speaker 2>degree in finance, so I can't possibly start investing. But

0:51:41.800 --> 0:51:43.959
<v Speaker 2>you really it may feel like that, but you don't.

0:51:44.040 --> 0:51:46.200
<v Speaker 2>You don't have to know everything. You just need to

0:51:46.280 --> 0:51:48.960
<v Speaker 2>know a little bit of the right stuff. And to that, man,

0:51:49.080 --> 0:51:50.680
<v Speaker 2>I mean, if you're going to tell people that start

0:51:50.719 --> 0:51:52.560
<v Speaker 2>to interrupt. But if you're going to tell people, you know,

0:51:52.640 --> 0:51:56.520
<v Speaker 2>here are the three or four websites or resources I

0:51:56.520 --> 0:51:59.239
<v Speaker 2>would tell someone who's just getting started and wants to

0:51:59.280 --> 0:52:01.040
<v Speaker 2>learn more about in sing where would you tell them

0:52:01.040 --> 0:52:01.319
<v Speaker 2>to go?

0:52:03.000 --> 0:52:06.919
<v Speaker 5>Of course, black Market Exchange. Uh, they'll be mixed site.

0:52:06.960 --> 0:52:10.000
<v Speaker 5>We get it, we get it, so of course. But

0:52:10.239 --> 0:52:14.000
<v Speaker 5>but yeah, investor Pedia is you know, that's that's definitely

0:52:14.120 --> 0:52:17.320
<v Speaker 5>an end all be all in terms of just definitions.

0:52:17.719 --> 0:52:20.160
<v Speaker 5>They have a lot of videos on there. So invested

0:52:20.200 --> 0:52:24.640
<v Speaker 5>Pedia is a great website. Yahoo Finance, Hey ya, Yahoo Finance.

0:52:25.040 --> 0:52:27.400
<v Speaker 5>I almost consider that like the Holy Grail when it

0:52:27.400 --> 0:52:31.879
<v Speaker 5>comes to just getting news and information. It's very easy there.

0:52:32.000 --> 0:52:35.400
<v Speaker 5>I love their the app. It's just a great resource

0:52:35.440 --> 0:52:39.040
<v Speaker 5>to go to. And another I would say is MarketWatch.

0:52:39.160 --> 0:52:41.799
<v Speaker 5>Market Watches is similar to a Yahoo Finance as well,

0:52:42.000 --> 0:52:45.280
<v Speaker 5>and you know that's just maybe kind of a user

0:52:45.360 --> 0:52:48.160
<v Speaker 5>experience kind of thing. But I would say investor Pedia,

0:52:48.239 --> 0:52:49.720
<v Speaker 5>Yahoo Finance.

0:52:49.480 --> 0:52:49.880
<v Speaker 3>And.

0:52:51.280 --> 0:52:54.080
<v Speaker 5>Uh market Watch are great resources to go to for

0:52:54.080 --> 0:52:54.719
<v Speaker 5>for information.

0:52:55.680 --> 0:52:57.920
<v Speaker 2>Excellent. Well, Eric, thank you so much for coming on

0:52:58.000 --> 0:53:00.360
<v Speaker 2>and talking about investing. I feel like we just scratch

0:53:00.400 --> 0:53:02.640
<v Speaker 2>the surface. But I don't want to overwhelm the people.

0:53:02.880 --> 0:53:05.440
<v Speaker 2>I know what it can feel like, just get overwhelmed.

0:53:05.440 --> 0:53:07.520
<v Speaker 2>But we'll definitely have you back on. This was really

0:53:07.560 --> 0:53:08.320
<v Speaker 2>fun and interesting.

0:53:09.800 --> 0:53:12.560
<v Speaker 5>Thank you. I appreciate the opportunity and I love what

0:53:12.560 --> 0:53:13.279
<v Speaker 5>you guys are doing.

0:53:13.600 --> 0:53:15.799
<v Speaker 2>Mike Wise and everybody. You can go check out Eric.

0:53:15.920 --> 0:53:18.320
<v Speaker 2>You can find him at the b b as in

0:53:18.440 --> 0:53:21.360
<v Speaker 2>boy e m X. Wait was that right? No, let

0:53:21.400 --> 0:53:23.279
<v Speaker 2>me do that again. You can find him at the

0:53:23.400 --> 0:53:26.680
<v Speaker 2>b m e X dot com and on Twitter. He

0:53:26.800 --> 0:53:29.919
<v Speaker 2>is hip hop stock doc here.

0:53:29.920 --> 0:53:30.520
<v Speaker 1>It is.

0:53:39.680 --> 0:53:43.080
<v Speaker 2>All right. So let's cap off the election day with

0:53:43.120 --> 0:53:46.759
<v Speaker 2>some good news and some wins. If you want to

0:53:46.760 --> 0:53:49.640
<v Speaker 2>go first, yeah, I'll go first. So it's actually I

0:53:49.680 --> 0:53:51.640
<v Speaker 2>read a really sad headline. You know, I've been reading

0:53:51.640 --> 0:53:55.480
<v Speaker 2>a lot everyone has about the refugee crisis happening in Syria.

0:53:55.719 --> 0:53:59.280
<v Speaker 2>And I just saw today another boat full of people

0:54:00.280 --> 0:54:04.680
<v Speaker 2>off the coast of Libya. Two hundred refugees drowned at sea.

0:54:04.760 --> 0:54:07.920
<v Speaker 2>And that's just the start of it. Hundreds thousands, maybe

0:54:08.080 --> 0:54:12.120
<v Speaker 2>people have died trying to flee from their countries. And anyway,

0:54:12.239 --> 0:54:14.520
<v Speaker 2>it got me thinking about the story I read about

0:54:14.560 --> 0:54:18.760
<v Speaker 2>the founder of Chobani, you know, everyone's favorite yogurt. Oh yeah,

0:54:18.840 --> 0:54:21.760
<v Speaker 2>And I didn't realize is that the founder he's actually

0:54:21.840 --> 0:54:25.719
<v Speaker 2>of Turkish. He's a Turkish immigrant of Kurdish descent, and

0:54:25.760 --> 0:54:28.200
<v Speaker 2>he bought the factory in New York and he employees

0:54:28.239 --> 0:54:31.120
<v Speaker 2>two thousand people making all Greek yogurt. His name is

0:54:31.160 --> 0:54:33.759
<v Speaker 2>Hamdi Ulukaya, And so I saw a story in the

0:54:33.800 --> 0:54:38.400
<v Speaker 2>Times about how he's Caughton. He's cotton. Wow, I'm educated.

0:54:38.640 --> 0:54:42.680
<v Speaker 2>He's got a lot of flack from conservative bloggers and

0:54:42.680 --> 0:54:45.799
<v Speaker 2>stuff because he's made an effort to employ more than

0:54:45.840 --> 0:54:49.160
<v Speaker 2>three hundred refugees in his factory. He started a whole

0:54:49.160 --> 0:54:53.480
<v Speaker 2>foundation to help migrants, and he's been traveling to Greece

0:54:53.600 --> 0:54:57.839
<v Speaker 2>to bring awareness to the refugee crisis. Now there's been

0:54:57.880 --> 0:55:00.920
<v Speaker 2>calls to boycott Chobani, like people a being that petty.

0:55:01.360 --> 0:55:02.760
<v Speaker 2>I tried the boy some yogurt.

0:55:03.880 --> 0:55:09.480
<v Speaker 3>I just don't understand, like why people get angry when

0:55:10.800 --> 0:55:13.560
<v Speaker 3>like non like when brown people are trying to help

0:55:13.600 --> 0:55:15.600
<v Speaker 3>other people. I just don't understand, Like what is the

0:55:16.320 --> 0:55:18.319
<v Speaker 3>why can't or not even that because I won't say brown,

0:55:18.360 --> 0:55:21.480
<v Speaker 3>but like if you're what is so terrible about wanting

0:55:21.520 --> 0:55:23.719
<v Speaker 3>to help people because.

0:55:23.360 --> 0:55:27.040
<v Speaker 2>They're taking our resources right, women and children.

0:55:27.920 --> 0:55:30.399
<v Speaker 1>It's just so crazy to me, And I'm just like,

0:55:30.560 --> 0:55:33.600
<v Speaker 1>I just it's racism, Yeah, it is, honestly, that's just

0:55:33.680 --> 0:55:35.680
<v Speaker 1>what it is. It's just like flat out.

0:55:36.080 --> 0:55:38.920
<v Speaker 3>I'm racist, and I don't want anybody to benefit that

0:55:38.960 --> 0:55:41.719
<v Speaker 3>doesn't that doesn't believe in the same religion I believe in,

0:55:41.760 --> 0:55:43.960
<v Speaker 3>that doesn't look like me, that doesn't.

0:55:44.480 --> 0:55:45.160
<v Speaker 1>I don't even know.

0:55:45.239 --> 0:55:47.040
<v Speaker 3>It's just so crazy to me. But I'm like, you

0:55:47.080 --> 0:55:50.520
<v Speaker 3>know what you're losing, Like it's a losing battle tower

0:55:50.560 --> 0:55:52.479
<v Speaker 3>records Sam Goodie, Like.

0:55:53.680 --> 0:55:57.480
<v Speaker 2>What is it by twenty forty two majority minorities in

0:55:57.480 --> 0:55:59.799
<v Speaker 2>the United States? Like we come in, we're here, we out.

0:56:00.800 --> 0:56:03.760
<v Speaker 3>But because your son loves some jay Z and Beyonce,

0:56:03.920 --> 0:56:06.719
<v Speaker 3>so he's looking for him, so crazy in love, and

0:56:06.800 --> 0:56:08.279
<v Speaker 3>he's going to be going to break the cycle and

0:56:08.360 --> 0:56:10.279
<v Speaker 3>you're gonna have a brown grand baby.

0:56:11.000 --> 0:56:12.759
<v Speaker 2>Everybody go buy some show. Banni. I wanted to. I

0:56:12.800 --> 0:56:14.560
<v Speaker 2>just wanted to make him my win because I feel like,

0:56:14.600 --> 0:56:17.000
<v Speaker 2>not only is it an immigrant helping other migrants, but

0:56:17.960 --> 0:56:20.880
<v Speaker 2>it's just a it's it's the reason why we need

0:56:20.920 --> 0:56:25.840
<v Speaker 2>people of diverse backgrounds in positions of power. He started

0:56:25.840 --> 0:56:29.240
<v Speaker 2>this company from scratch, he employs two thousand people, and

0:56:28.520 --> 0:56:31.319
<v Speaker 2>he doesn't have to go out of his way to

0:56:31.520 --> 0:56:34.799
<v Speaker 2>give these these migrants jobs, you know, but you know,

0:56:34.920 --> 0:56:37.200
<v Speaker 2>I think who better to understand what they're going through

0:56:37.239 --> 0:56:40.040
<v Speaker 2>than someone who immigrated here as well. And I don't know,

0:56:40.040 --> 0:56:42.120
<v Speaker 2>I just thought that kind of counteracted all that. It's

0:56:42.160 --> 0:56:44.759
<v Speaker 2>just it's really sad what's happening. I think people sort

0:56:44.760 --> 0:56:48.040
<v Speaker 2>of feel powerless to help these people who are dying,

0:56:48.600 --> 0:56:51.359
<v Speaker 2>you know, trying to flee to the United States. And

0:56:51.400 --> 0:56:55.120
<v Speaker 2>I'm I'm it's unfortunate that people are trying to boycott

0:56:55.400 --> 0:56:57.319
<v Speaker 2>a yogurt company now for trying to do some good

0:56:57.320 --> 0:56:59.960
<v Speaker 2>in the world. But I just wanted to say, mister Ulukayah,

0:57:00.160 --> 0:57:03.040
<v Speaker 2>I'm going to go buy some shabani to support you,

0:57:03.080 --> 0:57:05.600
<v Speaker 2>even though it has a lot of sugar and that's

0:57:05.640 --> 0:57:08.000
<v Speaker 2>not good for you. But I mean, I'll get the

0:57:08.560 --> 0:57:10.360
<v Speaker 2>non fat, sugar free one.

0:57:11.400 --> 0:57:13.040
<v Speaker 1>Well, mine is also a win.

0:57:13.360 --> 0:57:18.520
<v Speaker 3>I want to celebrate Mary Katani. I think I'm saying

0:57:18.560 --> 0:57:21.520
<v Speaker 3>her name right. Katani thirty four years old of Kenya.

0:57:21.880 --> 0:57:25.040
<v Speaker 3>She collected her third consecutive victory at the New York

0:57:25.080 --> 0:57:28.360
<v Speaker 3>City Marathon on Sunday. I saw so many great marathon

0:57:29.000 --> 0:57:32.080
<v Speaker 3>pictures and videos on my timeline and she's the first

0:57:32.120 --> 0:57:35.200
<v Speaker 3>woman to do so since Greta Waltz in two thousand

0:57:35.240 --> 0:57:37.200
<v Speaker 3>and nineteen eighty six.

0:57:37.640 --> 0:57:39.040
<v Speaker 2>Oh, where's she from.

0:57:39.520 --> 0:57:42.880
<v Speaker 3>She's from Kenya. Oh well, gret they don't say what

0:57:43.600 --> 0:57:46.560
<v Speaker 3>where she's from. But Mary is from Kenya, which I

0:57:46.560 --> 0:57:49.280
<v Speaker 3>think is so dope. And the fact that she did

0:57:49.320 --> 0:57:53.280
<v Speaker 3>it three times. I'm in a row, which is really awesome.

0:57:54.280 --> 0:57:55.680
<v Speaker 2>What is it? What is it about Kenya?

0:57:55.720 --> 0:57:55.959
<v Speaker 1>Man?

0:57:57.440 --> 0:58:02.880
<v Speaker 2>Holy crap, did you just see swear? I've got to

0:58:02.880 --> 0:58:06.080
<v Speaker 2>get out of here. I can't even. I'm a professional

0:58:06.080 --> 0:58:08.960
<v Speaker 2>woman trying to do a podcast and my mother in

0:58:09.080 --> 0:58:09.880
<v Speaker 2>law is yodling.

0:58:10.960 --> 0:58:13.640
<v Speaker 1>You can have singing, mother in law. We're now, we're even.

0:58:17.600 --> 0:58:20.120
<v Speaker 3>You know. What I've heard about Kenya is that the air,

0:58:20.560 --> 0:58:24.439
<v Speaker 3>the air is thinner, so your your lungs begin learn

0:58:24.480 --> 0:58:26.000
<v Speaker 3>how to be especially if you grew up there and

0:58:26.080 --> 0:58:28.200
<v Speaker 3>you're you know, working out there, your lung learned how

0:58:28.240 --> 0:58:31.160
<v Speaker 3>to be more efficient. So like Kenya and some other

0:58:31.200 --> 0:58:34.200
<v Speaker 3>places with high altitudes like that, so when you're running

0:58:34.280 --> 0:58:38.000
<v Speaker 3>in lower altitudes, your super efficient lungs work even better

0:58:38.000 --> 0:58:39.920
<v Speaker 3>because it's like, well, we've worked hard with less, so

0:58:39.960 --> 0:58:40.960
<v Speaker 3>we've got this. You know.

0:58:41.280 --> 0:58:43.960
<v Speaker 2>Oh that's awesome. Well, good for her. I love the marathon.

0:58:44.040 --> 0:58:46.120
<v Speaker 2>This is the first year where I haven't known someone

0:58:46.200 --> 0:58:47.880
<v Speaker 2>doing it, so I didn't go out there and spectate,

0:58:47.960 --> 0:58:50.680
<v Speaker 2>but it's just fun. It's like, it's hard to be

0:58:50.720 --> 0:58:54.360
<v Speaker 2>in a bad mood when you're watching people run that

0:58:54.680 --> 0:58:57.040
<v Speaker 2>their hearts out and you just want to cheer for everybody.

0:58:57.200 --> 0:58:59.560
<v Speaker 2>It's so hard what they're doing.

0:59:00.120 --> 0:59:02.240
<v Speaker 3>Like, you know, especially people for the first time last time.

0:59:02.280 --> 0:59:05.120
<v Speaker 3>It's awesome to watch people walk. It it's just it's

0:59:05.200 --> 0:59:09.520
<v Speaker 3>just I went to my first marathon, well I didn't write,

0:59:09.600 --> 0:59:12.360
<v Speaker 3>but to support my friend Diessa. It was in San

0:59:12.360 --> 0:59:15.000
<v Speaker 3>Diego and it was gorgeous and awesome and so much

0:59:15.040 --> 0:59:18.240
<v Speaker 3>fun to see people of all different ages and races

0:59:18.240 --> 0:59:20.840
<v Speaker 3>and sizes. There was one guy in particularly, I remember

0:59:20.920 --> 0:59:23.440
<v Speaker 3>he was kind of hefty and he had a T

0:59:23.560 --> 0:59:25.720
<v Speaker 3>shirt on and when he ran back he said, yes,

0:59:25.840 --> 0:59:27.760
<v Speaker 3>I know I'm fat, but guess who's in front of you.

0:59:29.720 --> 0:59:33.040
<v Speaker 2>I thought that that's good, and I was like.

0:59:33.080 --> 0:59:35.080
<v Speaker 3>Oh, cause, you know, I'm sure he's like people. You know,

0:59:35.280 --> 0:59:37.000
<v Speaker 3>people are wanting to judg like, oh he's.

0:59:36.880 --> 0:59:39.200
<v Speaker 1>Big, Like yeah, but you're really the back and rusher.

0:59:39.440 --> 0:59:41.920
<v Speaker 2>I have a word for that, and I identify as

0:59:41.960 --> 0:59:45.160
<v Speaker 2>this person as well, fat lead. I think you can

0:59:45.200 --> 0:59:48.400
<v Speaker 2>be fatletic. I'm gonna trademark this because I am a

0:59:48.440 --> 0:59:50.960
<v Speaker 2>fat leat Okay, I'm always the big girl and I'm

0:59:50.960 --> 0:59:53.720
<v Speaker 2>not even okay. I understand, I'm self aware. I am

0:59:53.760 --> 0:59:56.760
<v Speaker 2>not like big, big, big girl, but I am big

0:59:56.880 --> 0:59:59.760
<v Speaker 2>enough to go to a pure bar class with all

0:59:59.800 --> 1:00:02.400
<v Speaker 2>these like size negative zero women and feel like a

1:00:02.480 --> 1:00:05.560
<v Speaker 2>whale and I and I feel like when I walk

1:00:05.600 --> 1:00:08.800
<v Speaker 2>in every I get extra attention okay from the instructors

1:00:08.840 --> 1:00:11.000
<v Speaker 2>like are you okay? Are you gonna need just take

1:00:11.040 --> 1:00:13.600
<v Speaker 2>your time like it's okay, And I'm like, Mitch, I'm

1:00:13.680 --> 1:00:17.960
<v Speaker 2>running triathlon, I have hunter a mile bike tours. These

1:00:18.000 --> 1:00:20.920
<v Speaker 2>thighs may be thick, but they have done work. I

1:00:20.920 --> 1:00:21.720
<v Speaker 2>don't know what they're doing.

1:00:21.840 --> 1:00:25.080
<v Speaker 3>So skinny does not necessarily equal health. I know so

1:00:25.120 --> 1:00:27.280
<v Speaker 3>many skinny girls who can you walk up a flight

1:00:27.360 --> 1:00:28.120
<v Speaker 3>of stairs?

1:00:28.360 --> 1:00:30.800
<v Speaker 2>Yeah, you get like, you get underestimated. I think a

1:00:30.840 --> 1:00:33.680
<v Speaker 2>little bit when you're when you're not like you know

1:00:33.760 --> 1:00:37.120
<v Speaker 2>the picture of what people see on Sports Illustrated magazine.

1:00:37.160 --> 1:00:38.680
<v Speaker 2>So I love that. I love that shirt. I want

1:00:38.680 --> 1:00:39.120
<v Speaker 2>to make one.

1:00:39.800 --> 1:00:40.560
<v Speaker 1>I like that yup?

1:00:41.520 --> 1:00:45.520
<v Speaker 2>So yeah for for for what was your naming in? Sorry?

1:00:45.880 --> 1:00:51.680
<v Speaker 1>And with Mary, I can't say he'll like, can don't well? Mary? Hey? Mary?

1:00:51.800 --> 1:00:53.480
<v Speaker 2>Mary Marathon? Yes?

1:00:53.600 --> 1:00:54.680
<v Speaker 1>Mary, marathon of KNY.

1:00:54.760 --> 1:00:57.760
<v Speaker 2>Awesome. Well, that wraps up the show for this week. Guys,

1:00:57.760 --> 1:01:00.000
<v Speaker 2>we hope you're out there voting doing your civic duty.

1:01:00.320 --> 1:01:02.640
<v Speaker 2>Tweet us your pictures of your voted stickers. Do not

1:01:02.680 --> 1:01:04.320
<v Speaker 2>take a selfie in the booth. That's illegal. You're heard

1:01:04.360 --> 1:01:05.320
<v Speaker 2>it here first.

1:01:05.600 --> 1:01:08.760
<v Speaker 3>Yeah, so make sure you tweet us that Mandy would

1:01:08.800 --> 1:01:14.240
<v Speaker 3>drop Mandy with I the Budget, Nista and the BA podcast.

1:01:14.240 --> 1:01:15.720
<v Speaker 1>It is the BA podcast right.

1:01:15.600 --> 1:01:18.200
<v Speaker 2>The BA podcast on Twitter. But you can find all

1:01:18.200 --> 1:01:21.160
<v Speaker 2>our info at Brand Ambition podcast dot com.

1:01:21.720 --> 1:01:21.919
<v Speaker 1>Yep.

1:01:22.760 --> 1:01:25.400
<v Speaker 3>Until next week and hopefully we'll be celebrating next week

1:01:25.720 --> 1:01:26.480
<v Speaker 3>because of the election.

1:01:26.680 --> 1:01:27.880
<v Speaker 1>Not crying fitfully.

1:01:28.520 --> 1:01:33.360
<v Speaker 2>Whatever happens tomorrow, just stay calm, get a bottle of

1:01:33.360 --> 1:01:37.720
<v Speaker 2>wine and a hug a friend. It'll it'll be okay,

1:01:38.280 --> 1:01:45.240
<v Speaker 2>I think maybe probably like ninety percent surily fine, I'm praying. Okay,

1:01:46.000 --> 1:01:48.000
<v Speaker 2>all right, Well you have a level evening mis tiff

1:01:48.640 --> 1:01:53.080
<v Speaker 2>you as well. Are you gonna bounce now? Yeah?

1:01:53.160 --> 1:01:55.080
<v Speaker 3>Because I have a call with Own So the Own

1:01:55.160 --> 1:01:56.640
<v Speaker 3>network is doing a financial show.

1:01:56.640 --> 1:01:58.120
<v Speaker 1>They're like, we are interested and maybe.

1:01:57.880 --> 1:02:00.240
<v Speaker 2>Having Okay, that's important, yea, go do that call.

1:02:01.080 --> 1:02:02.640
<v Speaker 1>That's why I'm trying to go to the bathroom first.

1:02:02.560 --> 1:02:05.680
<v Speaker 2>Like okay, all right, but I have a good night, alright,

1:02:05.680 --> 1:02:06.520
<v Speaker 2>you too. Good Bye,