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Speaker 1: And weird back and black and brown.

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Speaker 2: It's Tiffany and and this is I love our new

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Speaker 2: intro so official?

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Speaker 1: Right, Oh, so I thought we would try something fun.

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Speaker 3: Well, we've been trying this, but I think we're going

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Speaker 3: to make it like a little bit more official.

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Speaker 1: I figured, like we hit up our social media channels

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Speaker 1: and see what you guys are talking to us about.

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Speaker 1: I'm on Twitter and.

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Speaker 2: Our Twitter handle.

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Speaker 1: Oh, our Twitter handle is at the BA Podcast, and

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Speaker 1: I see Amelia with the e. Actually her name on

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Speaker 1: Twitter is Emmy Marie b. Well, I love that, Amy

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Speaker 1: Marie b You could be like a rapper, she wrote.

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Speaker 1: If you still have it, you should listen to at

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Speaker 1: the BA Podcast. I think you'd love it.

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Speaker 3: You know what.

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Speaker 1: As a matter of fact, Amelia, I know they'd love it.

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Speaker 1: I just want to say thank you for shouting.

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Speaker 2: Is that a million with an e? Yes? Because I

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Speaker 2: need to shout her out. That's actually my Amelia Benton.

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Speaker 2: Let me just give her her given her god name,

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Speaker 2: god given name, Christian name. Amelia was my very first

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Speaker 2: roommate in New York City and I love her to

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Speaker 2: bits and she abandoned me and moved to Texas, Like

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Speaker 2: what was it? Six years ago. Now, she was like

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Speaker 2: the first of my friends to leave New York. She

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Speaker 2: was like, bump this, it's too expensive. Y'all are crazy.

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Speaker 2: Peace and she moved to Houston. She just got married.

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Speaker 2: Love you, Amelia, thanks for listening. And she was tweeting

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Speaker 2: at u at Lola goes west. So, Lola, if you're

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Speaker 2: out there, hope you're listening. Thank you. Yeah, yeah for

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Speaker 2: the shout out, thank you.

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Speaker 1: And if another tweet, are you going to handle it?

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Speaker 1: Because I think this is the one that's so cute

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Speaker 1: because she mentions you.

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Speaker 2: Oh, Chanel, thank you girl. So this is from our

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Speaker 2: listener of Chanelle. She her Twitter handles at PM Underscore Chanel.

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Speaker 2: She said, someone tried to sell me a product at

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Speaker 2: the bank and thanks to the BA podcast. In the

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Speaker 2: back of my head while she was explaining to explaining

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Speaker 2: it to me, I kept hearing Mandy Woodruff telling me

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Speaker 2: to ask questions and do your research before saying yes,

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Speaker 2: yes girl.

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Speaker 1: Yeah, I'm doing jazz hands. Yes, we love and we

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Speaker 1: can get off all up in your head and make

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Speaker 1: sure that you make the best decision for you, not

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Speaker 1: the best decision for marketing.

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Speaker 2: I've always wanted to be like I love to nag

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Speaker 2: in real life, but just to know that people I

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Speaker 2: don't even know that closely are being nagged by me

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Speaker 2: is really really dissatisfying.

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Speaker 3: I love it. And so if you like us to

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Speaker 3: shout you out, we'd love to.

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Speaker 1: You can hit us up on Twitter at the BA

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Speaker 1: podcast or Instagram.

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Speaker 3: What's your Instagram handle?

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Speaker 2: Again at Brown Ambition Podcast on Instagram.

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Speaker 1: Will we like our latest comments and tweets and stuff?

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Speaker 1: Because we love hearing from you guys and social media.

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Speaker 2: One of the things I like is when people talk

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Speaker 2: about last week's show.

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Speaker 3: Yes, I do love that they moved.

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Speaker 2: To this Twitter sphere to talk about last week's sho.

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Speaker 2: Last week's show was actually really good. We had Gala

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Speaker 2: or Burnings or Burnings the Lord Gala O Jennings Burn

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Speaker 2: who founded that dope startup called Intent Manifesto, which is

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Speaker 2: basically a movement to get people to just sign this document,

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Speaker 2: sign this petition basically saying big banks, investors, Angel investors,

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Speaker 2: Shark tank, whatever, we want you to invest in women

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Speaker 2: of color run businesses, which I thought was.

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Speaker 1: Dope exactly, And honestly, what the big takeaway that I

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Speaker 1: took away from Gala was I mean, i'd heard this

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Speaker 1: before and I knew this, but it was like a

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Speaker 1: big light bulb went on for me for how many

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Speaker 1: or just how big this movement of women of color

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Speaker 1: starting their own businesses, Just how big the movement is,

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Speaker 1: and that now brands are starting to see that, like

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Speaker 1: all the money that you've been not giving to us,

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Speaker 1: it's being wasted because like we are doing well, we're

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Speaker 1: kicking behind. I don't know if she shared numbers, but

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Speaker 1: she really shared that money invested with us has been

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Speaker 1: yielding money, and that, you know, money investing outside of

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Speaker 1: us has not been yielding as much as people think.

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Speaker 1: So right now, everybody's on the Brown train and I

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Speaker 1: love it.

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Speaker 2: Get up on that train, Brown train, all right. I

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Speaker 2: was just raving a Tiffany you. So there's there's this

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Speaker 2: musical on Broadway that you have to go see. It

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Speaker 2: is worth so much money. It's actually nominated for like

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Speaker 2: a gazillion Tony's. And I think I mentioned before this

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Speaker 2: is this is like the blackest year of Broadway I've

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Speaker 2: ever experienced in my life, and I've lived here for

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Speaker 2: a long time. It's amazing. But this is a show

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Speaker 2: called Once on This Island, which is like, so, imagine

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Speaker 2: if the Little Mermaid was a brown girl from Haiti,

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Speaker 2: but better like that is what one and I just

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Speaker 2: I can just so see Supergirl and you enjoying this

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Speaker 2: show and loving it because it's just all about like

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Speaker 2: black girl, magic and female and power, mint and the

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Speaker 2: power of love and all that stuff. It's so good.

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Speaker 3: Oh that sounds cute. I feel like Supergirl would like that.

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Speaker 1: It'll be Mike's bonding experience because right now Supergirl's not

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Speaker 1: feeling me because her dad has been making her do

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Speaker 1: dishes more and she had been. She had the nerve

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Speaker 1: to say last night, when's the last time Tiffany did

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Speaker 1: she was a woman, because she was very much like,

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Speaker 1: I mean, we're all in this together. Like what I

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Speaker 1: was like, you know what, I'm gonna let him handle that.

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Speaker 1: I would have been, when's the last time you work

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Speaker 1: it paid a bill?

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Speaker 3: Oh?

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Speaker 1: And she did it with sassin attitude, you know, when

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Speaker 1: you do dishes when you're mad and you're.

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Speaker 3: Just clanking things around. We were just looking at like,

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Speaker 3: oh god, she's not even a teenager. She's only eleven.

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Speaker 3: I'm like, oh girl.

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Speaker 2: It's starting now. Actually keep telling me these stories. It's

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Speaker 2: really good birth control, because I don't know if I'm

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Speaker 2: ready for that.

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Speaker 1: Oh h, I don't know if anybody's ever ready for

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Speaker 1: when kids start they like the old folks say, smelling themselves.

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Speaker 2: M yikes. Well something you and I were talking thing about.

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Speaker 2: I think we're both starting to get our first bids. Yeah,

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Speaker 2: I want to like whisper bids from contractors for our renovations.

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Speaker 2: I need to go collect my hair my edges from

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Speaker 2: the sidewalk because they were snatched and thrown and then

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Speaker 2: trampled on by the first bid we got back on

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Speaker 2: our house project. Like I knew it would be expensive,

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Speaker 2: but something about seeing it all in black and white,

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Speaker 2: and not only that, but then just everyone I've talked

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Speaker 2: to who's done a renovation has told me, Okay, you're

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Speaker 2: going to have to add thirty percent to whatever they

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Speaker 2: ask and like, but what if the bid is already

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Speaker 2: already much?

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Speaker 3: I mean, so I guess your future children will never

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Speaker 3: go to college? Is that what we're seeing?

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Speaker 2: They don't have to get a scholarship because I need

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Speaker 2: my granted countertops.

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Speaker 3: Honestly, it's been a really sticker shot.

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Speaker 1: And you know, I was like, oh, you know, you know,

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Speaker 1: because you mean, HGTV has us all thinking that we

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Speaker 1: could do a whole house for forty thousand dollars. You know,

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Speaker 1: you're like, what, you can renovate everything, and then you

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Speaker 1: get your bid and you're like, so ramen noodles for

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Speaker 1: the rest of my life.

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Speaker 3: Yeah, it's been. I mean, one thing.

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Speaker 1: I'm proud of Superman is for him is that he

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Speaker 1: said that he's really going to try to do what

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Speaker 1: he can himself. He and his friends, like not the

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Speaker 1: heavy heavy lifting, like obviously not electric work and not

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Speaker 1: not plumbing and stuff, but he can do basic demo

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Speaker 1: like because taking down cabinets in the kitchen is not

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Speaker 1: a huge deal, you know, or like taking the tile

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Speaker 1: up in the kitchen because it's terrible looking. So we're

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Speaker 1: gonna see like what we can do to kind of

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Speaker 1: like navigate you know, the expense. No matter what, it's

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Speaker 1: gonna be costly, but we're trying to like just not

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Speaker 1: make it cost our whole future.

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Speaker 2: Yeah, I'm really I still think we can manage to

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Speaker 2: do everything in cash. It's just gonna take some strategy

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Speaker 2: and I'm learning, you know, you don't typically have to

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Speaker 2: pay everything up front, you can you know, typically they'll

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Speaker 2: kind of charge you say complete specific projects, like oh,

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Speaker 2: the kitchen is done and this is due, so it'll

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Speaker 2: be spread over the course of several months. So I'm

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Speaker 2: just trying to, like, okay, put my thinking cap on

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Speaker 2: and just focus on the strategy. My baby brother is

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Speaker 2: also doing a renovation project, but in Georgia, so his

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Speaker 2: numbers are lapable to me, they're so much lower. But

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Speaker 2: he he's you know, he beats. He he wrote what

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Speaker 2: is it the expression beats to the rhythm of his

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Speaker 2: own drum or whatever. So Big Sister can't tell him nothing,

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Speaker 2: So I haven't been trying to give him too much advice.

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Speaker 2: He's done his first this is his first house he's

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Speaker 2: ever bought. He actually bought it a month before I did,

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Speaker 2: so he got me beat, which he loves to tell me.

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Speaker 2: But he, you know, he's been really smart about he

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Speaker 2: got a great rate on his mortgage and blah blah blah.

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Speaker 2: But as far as the renovation goes, it's, you know,

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Speaker 2: it's an ambitious project. And he decided to take out

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Speaker 2: a home improvement loan and so he actually did ask

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Speaker 2: Big Sister, which I was super excited about, for some

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Speaker 2: advice on which lender to use for home improvement loan.

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Speaker 2: And all I can say is, if you have excellent

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Speaker 2: credit and if you want to do a home improvement project,

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Speaker 2: and you think taking out a home improvement loan, which

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Speaker 2: is basically like a personal loan but specifically being used

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Speaker 2: for home improvement project. Light Stream was a lender that

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Speaker 2: I told him to get a quote from. They have

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Speaker 2: whether you're getting an auto loan or home improvement loan

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Speaker 2: or a personal loan. Light Stream has some of the

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Speaker 2: most competitive rates for people with good credit, and they

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Speaker 2: will even offer to beat your rate if you get

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Speaker 2: a better rate from another lender. So that's why I

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Speaker 2: love it. Yeah, that's why I like light Stream. But

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Speaker 2: another option that my husband and I were talking about,

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Speaker 2: which isn't really realistic for us because we just got

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Speaker 2: the house, but a home equity loan is something I've

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Speaker 2: been learning more about, and this is where you basically

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Speaker 2: let a bank will actually give you a loan secured

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Speaker 2: by your home based on how much equity you have

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Speaker 2: in it. So typically you can get up to eighty

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Speaker 2: percent of your equity. So if you have a three

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Speaker 2: hundred dollars your your home is worth three hundred thousand dollars.

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Speaker 2: You only have two hundred thousand dollars up on your mortgage,

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Speaker 2: so you have one hundred thousand dollars worth of equity.

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Speaker 2: So a lender will say, okay, this is value, so

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Speaker 2: we're going to give you a loan up to eighty

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Speaker 2: percent of that. So they you could, you know, hypothetically,

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Speaker 2: get a loan for eighty thousand dollars, use that loan

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Speaker 2: to improve your house, update the kitchen, whatever, do a remodel.

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Speaker 2: And the way that the tax rules are right now

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Speaker 2: is you can still deduct interest paid on home equity

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Speaker 2: loans from your taxes. I think it's up to home

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Speaker 2: equity loans up to seven hundred and fifty thousand dollars.

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Speaker 2: That's the limit. But you know, it's it's a tax benefit.

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Speaker 2: So if you're like, if you've been in your home

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Speaker 2: for a while, you have some equity built up, you

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Speaker 2: might consider home equity loan versus a personal loan because

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Speaker 2: then you can deduct the interest. So, like, it doesn't

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Speaker 2: really make sense for us to go that route because

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Speaker 2: first of all, yeah, first of all, any loan right

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Speaker 2: now to me seems stupid because like, well, we just

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Speaker 2: bought a house. We have a mortgage. That's the only

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Speaker 2: loan I ever want to have, you know. But you know,

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Speaker 2: if we were five years, ten years into it, and

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Speaker 2: we knew we'd be there for a while, then we

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Speaker 2: might be looking at the home equity loan option.

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Speaker 1: And when it comes to like these renovations, you know,

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Speaker 1: like cause one of the renovations that we got actually

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Speaker 1: was more than what we paid for the house.

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Speaker 3: I was like, dude, like, this is literally.

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Speaker 2: It was literally you got it up foreclosure option, right,

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Speaker 2: I mean, I.

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Speaker 1: Mean to be fair, but still I was like, but

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Speaker 1: even here's the thing. I think sometimes people forget that

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Speaker 1: your home is still an investment, even if you're going

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Speaker 1: to live there.

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Speaker 3: So if if you put so much work.

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Speaker 1: Into it that actually makes the house cost more to

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Speaker 1: you than you could ever sell it for, you have

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Speaker 1: effectively lost money.

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Speaker 3: So I mean, I don't mind sharing. Like the quote

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Speaker 3: that we're not going to go with. So the house

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Speaker 3: we bought.

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Speaker 1: For one eighty, and homes in that area, like our

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Speaker 1: our number of beding rooms and all that kind of stuff,

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Speaker 1: like comped homes in that ear go for about three

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Speaker 1: seventy maybe a little more. And the quote, one of

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Speaker 1: the quotes we got was like two hundred maybe even

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Speaker 1: to ten. So if you do the mask, and that

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Speaker 1: don't mask good in my head. So one eighty what

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Speaker 1: we paid for it plus plus two hundred and ten

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Speaker 1: thousand dollars right, it's three hundred and ninety thousand dollars right,

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Speaker 1: So effectively we will if we put all of that

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Speaker 1: in it, and that's not considering that there might be

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Speaker 1: some contingency and something might go wrong and what like

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Speaker 1: what if it costs even more than that, So that

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Speaker 1: means we could we would literally have to sell the

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Speaker 1: house later for less than what we bought it for

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Speaker 1: and what we put into it. And so it doesn't

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Speaker 1: it just doesn't make financial sense. And so and honestly,

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Speaker 1: our house is not a teardown. I'm like, two hundred

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Speaker 1: ten thousand dollars, doe, are you building a house in

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Speaker 1: the ground up? Like, no, it doesn't even make sense.

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Speaker 1: We're not even doing structural shift. We're doing one wall.

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Speaker 1: We're moving it in the in the bathroom on the

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Speaker 1: third floor. And it's not a structural wall. It's not

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Speaker 1: a load bearing wall. So I'm like a lot of

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Speaker 1: this is standing, and I definitely we want to get

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Speaker 1: some plumbing and some electric work, so that I know

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Speaker 1: was expensive, but I'm like, dude, your buckets, it's not happy.

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Speaker 2: That's such an important thing to do, though, and that's

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Speaker 2: something that we've done too, is actually look at the

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Speaker 2: cost of other homes in your area and like what

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Speaker 2: they're selling for to judge, Okay, how much could I

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Speaker 2: get for this house reasonably? You know what we did.

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Speaker 2: We actually got a My husband sent an email to

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Speaker 2: a Century twenty one agent, just a real estate agent

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Speaker 2: who's in our local town, just to say, hey, we're

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Speaker 2: thinking about doing this renovation. You know, do you have

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Speaker 2: any advice on how much is reasonable or what we

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Speaker 2: could expect to get back. And she did a whole

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Speaker 2: comps assessment for us. So she sent us a pdf

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Speaker 2: for free of comparable homes in our neighborhood, you know,

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Speaker 2: with not additions, but like with upgrades that kind of

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Speaker 2: in the line what we were talking about, to show

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Speaker 2: us what we could potentially get, which I thought was awesome.

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Speaker 2: It didn't cost us anything, and I think what's in

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Speaker 2: it for the agents is that, Okay, well, maybe they're

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Speaker 2: thinking when we sell the house, we'll refer, we'll use them,

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Speaker 2: or we'll refer someone to them, so it's like a

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Speaker 2: networking thing for them. But that was helpful. If you

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Speaker 2: don't want to do it yourself.

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Speaker 3: Yeah, it can be.

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Speaker 1: I mean, it's home. It's a process, and you know,

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Speaker 1: I'm understanding that that. Okay, like everything, you know, you

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Speaker 1: want everything to be done.

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Speaker 3: At once, but it's not that to be Oh, this

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Speaker 3: home thing.

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Speaker 1: So something really serious happened today and I was just like,

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Speaker 1: I was debating whether to bring it up, but I

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Speaker 1: feel like it's just it's something that I think a

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Speaker 1: lot of people sleep under the wrong.

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Speaker 3: Did you hear on the what happened to Kate Spade?

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Speaker 2: Oh, I'm so glad you mentioned that. I'm yeah, I.

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Speaker 3: Was just I mean, honestly, I didn't.

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Speaker 1: I saw her name was trending, honestly on Twitter, and

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Speaker 1: I saw Lovey tweeted like, oh my goodness. I just

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Speaker 1: listened to Kate's Spades and her husband listened to their

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Speaker 1: how I built this episode me too, you know, And

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Speaker 1: so I had listened to it a while ago, and

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Speaker 1: then so I'm thinking, like, oh, that's random that Love's

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Speaker 1: talking about it. And then I looked to the side

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Speaker 1: on Twitter on what like, what's trending, and I'm like,

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Speaker 1: Kate's Spade is trending.

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Speaker 2: Why Ah?

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Speaker 3: Then I clicked on it and found that it looks

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Speaker 3: like she took.

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Speaker 1: Her life and she passed away today at age fifty five.

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Speaker 3: She had a woman at thirteen year old and a husband.

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Speaker 2: She had just launched her new like a couple of

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Speaker 2: years ago. She launched the new because she left Kate's

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Speaker 2: Bade and.

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Speaker 3: Then she sold it for about two billion dollars. Kate's Bade.

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Speaker 2: I feel like Kate was Kate's Bae was my first

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Speaker 2: grown up handbag, Like still I love my little Kate's

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Speaker 2: Bade bag. But anyway, she yeah, she sold the Kate's

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Speaker 2: Bade brand, and then they had launched a new company

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Speaker 2: called Francis Valentine, which had a lot of cute shoes

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Speaker 2: and apparel. And it's just such a shock because I

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Speaker 2: don't think that there's any I haven't read anything yet

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Speaker 2: that pointed to there being any issues like financially for them,

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Speaker 2: and she didn't mention I was I was going back

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Speaker 2: into how I built. This interview with her and her

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Speaker 2: husband was really good and you guys should listen to it. Obviously,

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Speaker 2: a whole different experience listening now knowing that she would

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Speaker 2: take her life less than a year later. I don't

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Speaker 2: remember hearing any you know, signs that there was struggle

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Speaker 2: or mental health issues or whatnot. But Jesus, like, if

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Speaker 2: you're it's just a reminder for me. If you're out

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Speaker 2: there and you're successful, it doesn't necessarily mean doesn't that

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Speaker 2: you're really doing well on the inside and you ask

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Speaker 2: for help.

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Speaker 1: Yeah, And honestly, what it really reminds me is to like,

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Speaker 1: you know, to check on the people that you know,

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Speaker 1: you know, because just because someone might seem like, oh,

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Speaker 1: they're doing well or they just got married, or they

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Speaker 1: just bought a house or whatever, that you know, things

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Speaker 1: it might look like some things are going well, and

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Speaker 1: it doesn't mean that things are not going well, but

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Speaker 1: you know, sometimes there's a chemical imbalance, Sometimes there's a

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Speaker 1: deep sadness. Sometimes there's just you know, being unable to

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Speaker 1: cope with certain things. And so just checking in on

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Speaker 1: your folks, because yeah, I just a thirteen year old.

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Speaker 1: I mean, like, like what a pivotal time in a

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Speaker 1: young woman's life, especially with her as it relates to

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Speaker 1: her her relationship with her mom. And you know, people

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Speaker 1: would look at them, and I'm sure look at me,

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Speaker 1: Like what, you know, you sold your company for a

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Speaker 1: billion dollars, you're a multi multimillionaire, you live in New York,

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Speaker 1: and you're an iconic brand, and like you literally transformed

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Speaker 1: and created a new.

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Speaker 3: Like a new genre of handbags. You know, like you.

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Speaker 1: Shifted an industry all of these things, and yet you

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Speaker 1: know what did it matter in the end? And so yeah,

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Speaker 1: it was just like I couldn't believe it, honestly because

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Speaker 1: I feel like I just listened to that episode and

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Speaker 1: I was so impressed at how they had built this

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Speaker 1: brand from nothing, you know.

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Speaker 2: Making handbags in their apartment and getting samples. Yeah, just

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Speaker 2: their whole stories with such an inspiration. I'm so sad

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Speaker 2: that it ended like this. And for a poor daughter

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Speaker 2: that's you know, lose your mom in that way at thirteen,

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Speaker 2: I can't even imagine.

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Speaker 3: I can't even imagine.

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Speaker 2: I agree like reaching out and actually, you know, checking

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Speaker 2: in on people who even if they seem like they're okay.

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Speaker 2: There's definitely been times where I've wish someone would just

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Speaker 2: call me, like not I haven't been close to suicide,

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Speaker 2: but you don't. You just sometimes you feel like man,

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Speaker 2: why has no one called me in a week? Don't which, yeah,

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Speaker 2: it seems really selfish, but you know, if you're feeling

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Speaker 2: that way, probably someone else that you love is feeling

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Speaker 2: that same way. My sister and I just had a

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Speaker 2: conversation last week and she told me, and you know,

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Speaker 2: we talk really like quite relatively, you know, often, I guess,

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Speaker 2: but it had been a few weeks and we kept

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Speaker 2: missing each other and anyway, she told me that she

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Speaker 2: was having a really hard week and she was like,

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Speaker 2: for you know, something was going on, and she had

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Speaker 2: cried all day at work or whatever. And I was mad.

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Speaker 2: I was like, why didn't you call me? Why didn't

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Speaker 2: you ask me? And she's like, I didn't want to

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Speaker 2: bother you. And I said, well, if you had called me,

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Speaker 2: you would have known that I had a horrible week

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Speaker 2: and I needed to talk about it too, And like,

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Speaker 2: you know, we can't do that to one another, but

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Speaker 2: I think I think all of us we have this.

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Speaker 2: You know, I can't speak for everyone, but you know,

402
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Speaker 2: if you're going through something, sometimes you feel like you

403
00:18:51,280 --> 00:18:53,200
Speaker 2: don't know how to communicate it, or you don't want

404
00:18:53,240 --> 00:18:55,960
Speaker 2: to talk or don't want to reach out, but you know,

405
00:18:56,119 --> 00:18:59,399
Speaker 2: try try to reach out. Yeah, even if you feel

406
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Speaker 2: like what you're going through is stupid or the person

407
00:19:02,960 --> 00:19:05,879
Speaker 2: wouldn't understand, or that your problems are small, they're not

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Speaker 2: that small.

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Speaker 1: Sometimes no, so yeah, I'm just it's just, you know, saddening.

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Speaker 1: But I just figured like i'd mention it because you know,

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Speaker 1: sometimes people don't like to talk about when things, you know,

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00:19:19,280 --> 00:19:21,560
Speaker 1: the social media error, when things are not going right,

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Speaker 1: you know, and even if.

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Speaker 3: You don't share it on social media.

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Speaker 1: You don't have to share everything obviously, but sharing it

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Speaker 1: with people who care about you.

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Speaker 2: So, yeah, we talk about mental health on the show.

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Speaker 2: Sometimes I feel like there's like the stigma of mental

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Speaker 2: health and especially in minority communities is maybe I'm just

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Speaker 2: maybe I feel this way because I'm on social media

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Speaker 2: all the time. But it seems like young people are

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Speaker 2: a little bit different thinking about thinking about it differently,

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Speaker 2: and like more willing to talk about it more, which

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Speaker 2: I think is good.

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Speaker 1: You know what it is too, I think what there's

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Speaker 1: a shift because you're seeing more and more, like I

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Speaker 1: guess celebrities and famous people talking about therapy, and so

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Speaker 1: that's trickle down into like making it normal so that

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Speaker 1: way you don't feel weird because when jay Z said

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Speaker 1: I talked to my therapists, You're like, oh, oh, oh,

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Speaker 1: jay Z.

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Speaker 3: Has a therapist. Oh okay, well maybe you know.

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Speaker 1: I don't see because you know, before, especially in our community,

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Speaker 1: it's like if you go to a therapist, you must

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Speaker 1: be crazy. Well I'm not crazy, and you're like, well

436
00:20:20,359 --> 00:20:22,879
Speaker 1: that does That's not what it means, you know, you know,

437
00:20:23,480 --> 00:20:26,119
Speaker 1: And so as you start to hear about people that

438
00:20:26,160 --> 00:20:29,119
Speaker 1: you admire or know and hear that they go to therapy,

439
00:20:29,200 --> 00:20:32,560
Speaker 1: and you know, and they normalize it, and the tone

440
00:20:32,600 --> 00:20:34,760
Speaker 1: that they use is not condemning or it's not making

441
00:20:34,800 --> 00:20:39,160
Speaker 1: it seem like this is just some random thing that's

442
00:20:39,160 --> 00:20:40,679
Speaker 1: happening in their lives that they're like, no, this is

443
00:20:40,720 --> 00:20:43,720
Speaker 1: just part of my self care. Is the normal part

444
00:20:43,720 --> 00:20:45,880
Speaker 1: of my self care, like working out. I think we're

445
00:20:45,880 --> 00:20:47,680
Speaker 1: really leaning toward that, which is really good.

446
00:20:47,720 --> 00:20:48,160
Speaker 3: Honestly.

447
00:20:49,680 --> 00:20:52,399
Speaker 2: Yeah, about that therapist, I need to get I'm going

448
00:20:52,440 --> 00:20:53,000
Speaker 2: to get on that.

449
00:20:53,640 --> 00:20:54,240
Speaker 3: I was thinking that.

450
00:20:54,280 --> 00:20:55,920
Speaker 1: I was like I should because sometimes you just get

451
00:20:56,000 --> 00:20:58,200
Speaker 1: so overwhelmed and you're just like you need to unpack

452
00:20:58,600 --> 00:21:02,399
Speaker 1: and for someone to help give you some tools to

453
00:21:02,560 --> 00:21:05,200
Speaker 1: navigate when your challenges, you know.

454
00:21:05,400 --> 00:21:09,320
Speaker 2: For certain Absolutely we get questions from listeners sometimes saying,

455
00:21:09,320 --> 00:21:10,800
Speaker 2: do you guys know how to find a good mental

456
00:21:10,800 --> 00:21:13,439
Speaker 2: health expert? And all I can do is kind of

457
00:21:13,440 --> 00:21:17,440
Speaker 2: point y'all to the same sort of you know, the

458
00:21:18,280 --> 00:21:20,000
Speaker 2: zoc docs of the world, the same things that like,

459
00:21:20,040 --> 00:21:21,919
Speaker 2: we're going through the same thing too. Finding someone is

460
00:21:22,000 --> 00:21:24,560
Speaker 2: challenging finding someone that you relate to, and the work

461
00:21:24,600 --> 00:21:27,320
Speaker 2: of finding a like a mental health professional that you

462
00:21:27,480 --> 00:21:29,240
Speaker 2: like going to it it takes time. So I feel

463
00:21:29,280 --> 00:21:31,800
Speaker 2: you on that definitely.

464
00:21:31,440 --> 00:21:34,480
Speaker 1: If you if you particularly want to a brown mental

465
00:21:34,480 --> 00:21:37,960
Speaker 1: health therapist. Oh, my friend, uh, meanwhile, you know, how

466
00:21:37,960 --> 00:21:38,680
Speaker 1: do you say my friend?

467
00:21:38,760 --> 00:21:39,800
Speaker 3: Meanwhile? I can't remember her name.

468
00:21:39,800 --> 00:21:46,200
Speaker 1: No, she actually created a like like a I don't

469
00:21:46,200 --> 00:21:47,760
Speaker 1: know if it's a website or like some like a

470
00:21:47,840 --> 00:21:51,200
Speaker 1: searchable document where if you're looking for a brown mental

471
00:21:51,520 --> 00:21:54,640
Speaker 1: health professional that you can.

472
00:21:54,600 --> 00:21:55,520
Speaker 3: You can find one.

473
00:21:55,600 --> 00:21:58,679
Speaker 1: And honestly, in my because uh, in the dream Catchers

474
00:21:58,720 --> 00:22:02,080
Speaker 1: group on Facebook, we had young woman who posted that

475
00:22:02,119 --> 00:22:04,000
Speaker 1: she wanted to take her life because she was just

476
00:22:04,119 --> 00:22:07,840
Speaker 1: under so much stress and she didn't know how she was.

477
00:22:07,760 --> 00:22:09,280
Speaker 3: Going to provide for herself and her children.

478
00:22:09,320 --> 00:22:11,480
Speaker 1: And so that prompted me to have a friend of

479
00:22:11,520 --> 00:22:14,439
Speaker 1: mine who's a therapist, licensed therapist to come and do

480
00:22:15,160 --> 00:22:17,240
Speaker 1: just kind of talk to us, like be on Facebook live.

481
00:22:17,320 --> 00:22:19,320
Speaker 1: And one of the things she suggested and that we

482
00:22:19,359 --> 00:22:21,560
Speaker 1: did is that we created a document inside. So if

483
00:22:21,600 --> 00:22:24,679
Speaker 1: you're a DreamCatcher and meaning that you are a member

484
00:22:24,760 --> 00:22:27,600
Speaker 1: of my Facebook group dream Catchers Live Richer with a

485
00:22:27,640 --> 00:22:31,040
Speaker 1: bunch of Eista, you could find the document there and

486
00:22:31,160 --> 00:22:35,000
Speaker 1: their their licensed numbers there, their contact information. So every

487
00:22:35,000 --> 00:22:40,080
Speaker 1: therapist that or mental health professional has filled it out name,

488
00:22:40,600 --> 00:22:45,000
Speaker 1: you know, do they take insurance, their license number, All

489
00:22:45,040 --> 00:22:46,760
Speaker 1: of that is there so you can you can also

490
00:22:46,840 --> 00:22:49,919
Speaker 1: look there if you're if you're looking for someone, Oh.

491
00:22:49,800 --> 00:22:52,600
Speaker 2: I'm gonna can you share that with Brown Ambition listeners?

492
00:22:52,640 --> 00:22:53,840
Speaker 3: For sure? It's just the Google doc.

493
00:22:53,920 --> 00:22:56,600
Speaker 2: So yeah, h love it, love Google doc.

494
00:22:57,240 --> 00:22:57,520
Speaker 3: M H.

495
00:23:11,280 --> 00:23:13,960
Speaker 1: All right, so Brown break, My ground break is really

496
00:23:13,960 --> 00:23:14,840
Speaker 1: simple and petty.

497
00:23:14,880 --> 00:23:16,560
Speaker 3: What about you or you gonna boost a break? Look,

498
00:23:16,560 --> 00:23:18,160
Speaker 3: I was assuming you were gonna break.

499
00:23:18,520 --> 00:23:21,080
Speaker 2: I'm gonna boost. Sometimes I feel like it's our job

500
00:23:21,119 --> 00:23:23,080
Speaker 2: to be like the new Oprah's Favorite Things and talk

501
00:23:23,119 --> 00:23:25,240
Speaker 2: about some things that we love and make our lives easier.

502
00:23:25,280 --> 00:23:28,200
Speaker 1: So I'm a boost, true, But today I'm not going

503
00:23:28,240 --> 00:23:30,960
Speaker 1: to I'm going to break from people who don't regoection.

504
00:23:31,640 --> 00:23:34,680
Speaker 1: So I'm well, I'm gonna boost my team, but I'm

505
00:23:34,680 --> 00:23:35,560
Speaker 1: gonna break from.

506
00:23:35,920 --> 00:23:38,359
Speaker 3: So I posted to my team, we're all going on

507
00:23:38,400 --> 00:23:38,720
Speaker 3: a trip.

508
00:23:38,760 --> 00:23:41,320
Speaker 1: I let them my business partner and I have been

509
00:23:41,359 --> 00:23:44,880
Speaker 1: saving for the last year to surprise them, to say, hey, surprise,

510
00:23:44,960 --> 00:23:49,080
Speaker 1: we're gonna take team members that have been here that

511
00:23:49,200 --> 00:23:52,600
Speaker 1: you have to have started working before January of this year,

512
00:23:52,600 --> 00:23:56,000
Speaker 1: twenty eighteen. And we're like, surprise, we've been saving, We've

513
00:23:56,000 --> 00:23:56,840
Speaker 1: got money set aside.

514
00:23:56,840 --> 00:23:58,879
Speaker 3: We're gonna take everybody on a trip. It's about fifteen

515
00:23:58,920 --> 00:23:59,280
Speaker 3: of us.

516
00:23:59,560 --> 00:24:01,399
Speaker 1: And we let some shoes where they were kind of

517
00:24:01,440 --> 00:24:04,200
Speaker 1: like bantering back and forth and slack, and they chose Orlando,

518
00:24:05,080 --> 00:24:07,919
Speaker 1: and we're gonna we found a really beautiful house that

519
00:24:08,119 --> 00:24:09,040
Speaker 1: I've already paid for.

520
00:24:09,440 --> 00:24:10,680
Speaker 3: We're flying everyone out.

521
00:24:11,119 --> 00:24:12,840
Speaker 1: And then I said, I want to get a chef

522
00:24:13,280 --> 00:24:15,760
Speaker 1: because it will be cheaper to do that than to

523
00:24:15,880 --> 00:24:18,520
Speaker 1: like pay individually for like you know, breakfast, lunch, and

524
00:24:18,520 --> 00:24:21,919
Speaker 1: dinner every day. So I posted today looking for a

525
00:24:22,000 --> 00:24:27,400
Speaker 1: chef with clear directions where you must.

526
00:24:27,160 --> 00:24:31,439
Speaker 3: Live in Orlando the day even.

527
00:24:32,080 --> 00:24:37,640
Speaker 1: Please send a quote and a menu sample to contact

528
00:24:37,640 --> 00:24:40,680
Speaker 1: at the Budgetisa Mandy. When I read the comments, ooh,

529
00:24:40,760 --> 00:24:42,920
Speaker 1: this sounds interesting. You can call me at Ooh, here's

530
00:24:42,920 --> 00:24:43,560
Speaker 1: my website.

531
00:24:43,680 --> 00:24:45,680
Speaker 3: Oh, I'm like and literally in.

532
00:24:45,640 --> 00:24:49,440
Speaker 1: The comments, I'm like, ma'am, please go you know above

533
00:24:49,560 --> 00:24:51,399
Speaker 1: it's all that because it's not just me, like I

534
00:24:51,440 --> 00:24:55,159
Speaker 1: have my adamins are sifting through. Okay, well, you know

535
00:24:55,200 --> 00:24:56,359
Speaker 1: you can always hit my number at.

536
00:24:56,440 --> 00:24:58,239
Speaker 3: I'm like, I shall not.

537
00:24:58,359 --> 00:25:00,439
Speaker 1: I shall not, because if you can't follow direction on

538
00:25:00,480 --> 00:25:02,600
Speaker 1: the Instagram post, you certainly can't cook the food I

539
00:25:02,600 --> 00:25:05,280
Speaker 1: want to eat. And so like people were messaging me

540
00:25:05,320 --> 00:25:08,040
Speaker 1: and hitting me. I'm like, everything is there? Where is

541
00:25:08,040 --> 00:25:10,520
Speaker 1: it that in Florida? Or it says that I literally

542
00:25:10,520 --> 00:25:12,560
Speaker 1: wrote it and it's on the flyer. So I want

543
00:25:12,560 --> 00:25:15,199
Speaker 1: to take a brown boost from folks that do not

544
00:25:15,359 --> 00:25:17,440
Speaker 1: read the directions because.

545
00:25:17,200 --> 00:25:18,240
Speaker 3: It makes it so difficult.

546
00:25:18,240 --> 00:25:20,720
Speaker 1: There are literally people are it's not only me getting frusted,

547
00:25:20,720 --> 00:25:22,280
Speaker 1: there are literally people in the comments like, man, she

548
00:25:22,320 --> 00:25:23,879
Speaker 1: said it up, she said it above.

549
00:25:23,960 --> 00:25:27,720
Speaker 3: It's like, oh my goodness.

550
00:25:27,760 --> 00:25:29,359
Speaker 1: But yeah, for those of you who follow the direction,

551
00:25:29,440 --> 00:25:32,959
Speaker 1: we actually had a number of chefs email us and

552
00:25:33,000 --> 00:25:36,080
Speaker 1: send like samples and stuff. So we're really excited. And

553
00:25:36,119 --> 00:25:38,080
Speaker 1: so it's going to be such a fun time. It's

554
00:25:38,119 --> 00:25:39,639
Speaker 1: just our way of giving back to our team.

555
00:25:40,000 --> 00:25:44,040
Speaker 3: So boost to the team. Break to non readers.

556
00:25:43,840 --> 00:25:49,640
Speaker 2: Boom read the words. Okay, I'm gonna do a quick boost.

557
00:25:49,880 --> 00:25:52,360
Speaker 2: And I need to give Husbey a shout out because

558
00:25:52,480 --> 00:25:54,920
Speaker 2: sometimes it takes me a while to turn around, come

559
00:25:54,960 --> 00:25:57,840
Speaker 2: around to like the technological advancements of the twenty first

560
00:25:57,840 --> 00:26:02,880
Speaker 2: century that I think are expensive Tesla's anyway, So he

561
00:26:02,920 --> 00:26:05,800
Speaker 2: when we moved into this house, neither of us, neither

562
00:26:05,840 --> 00:26:07,760
Speaker 2: of us realized what a big wimp I would be

563
00:26:07,760 --> 00:26:09,879
Speaker 2: about staying a home alone in my house.

564
00:26:10,560 --> 00:26:10,800
Speaker 3: Uh.

565
00:26:10,840 --> 00:26:13,960
Speaker 2: In the first I would say five times I had

566
00:26:14,000 --> 00:26:16,920
Speaker 2: to do it, We're not good. Like I was stressed out,

567
00:26:17,080 --> 00:26:19,199
Speaker 2: I was shaking on the I would I would like,

568
00:26:19,440 --> 00:26:21,760
Speaker 2: I put every light in the house on. I put

569
00:26:21,760 --> 00:26:24,440
Speaker 2: the radio one in the different rooms, and that still

570
00:26:24,440 --> 00:26:28,160
Speaker 2: didn't work. Any creak, any crack, any any tree, any

571
00:26:28,200 --> 00:26:31,480
Speaker 2: bird whatever. I would get this like spasm of fear,

572
00:26:31,520 --> 00:26:35,439
Speaker 2: and I felt like a crazy person. And he was like,

573
00:26:35,520 --> 00:26:39,000
Speaker 2: so about that security system that I mentioned called Nest

574
00:26:40,000 --> 00:26:42,000
Speaker 2: can be invested in that because clearly you're losing your

575
00:26:42,040 --> 00:26:44,560
Speaker 2: damn mind. And I don't want to And I can't

576
00:26:44,600 --> 00:26:47,280
Speaker 2: be getting frantic texts from you, you know, at ten

577
00:26:47,320 --> 00:26:49,320
Speaker 2: o'clock telling me to come home, because I can't come

578
00:26:49,320 --> 00:26:54,000
Speaker 2: home on my business anyway. So I finally I finally

579
00:26:54,400 --> 00:26:57,320
Speaker 2: gave in and we bought this system called the Nest,

580
00:26:57,440 --> 00:27:01,280
Speaker 2: which is a new kind of security system them. It's

581
00:27:01,440 --> 00:27:02,960
Speaker 2: I don't know if you've heard of the Nest before.

582
00:27:03,320 --> 00:27:06,239
Speaker 2: I always knew it as like that fancy thermostat that

583
00:27:06,320 --> 00:27:08,560
Speaker 2: you can install in your house and you can control

584
00:27:09,040 --> 00:27:12,040
Speaker 2: like the climate in all the rooms instead of just one.

585
00:27:12,960 --> 00:27:15,680
Speaker 2: But now they have a security system and it is

586
00:27:15,760 --> 00:27:18,280
Speaker 2: We got this thing called the Nest Doorbell, which I

587
00:27:18,280 --> 00:27:20,560
Speaker 2: think was like a few hundred bucks. But you install

588
00:27:20,600 --> 00:27:23,440
Speaker 2: it on. You install it as your doorknob and your

589
00:27:23,480 --> 00:27:27,800
Speaker 2: and your doorbell on your front door, and anytime someone

590
00:27:27,880 --> 00:27:31,399
Speaker 2: comes to your front door, Nest is always recording, and

591
00:27:31,440 --> 00:27:33,720
Speaker 2: it will actually give you an alert and say something

592
00:27:33,800 --> 00:27:37,639
Speaker 2: like we spotted an unfamiliar face or Enrique's at the

593
00:27:37,640 --> 00:27:40,840
Speaker 2: front door, because it'll remember people that you teach it

594
00:27:40,880 --> 00:27:42,840
Speaker 2: to remember. So while I was sitting here, I just

595
00:27:42,840 --> 00:27:45,520
Speaker 2: got a Nest alert that said unfamiliar face at the

596
00:27:45,520 --> 00:27:47,879
Speaker 2: front door with some random space, and I can I

597
00:27:47,920 --> 00:27:50,040
Speaker 2: can pull up the Nest app and I can see

598
00:27:50,080 --> 00:27:54,119
Speaker 2: live video of the ups truck driver dropping off a package,

599
00:27:54,200 --> 00:27:56,200
Speaker 2: and if I wanted to, I could talk to him

600
00:27:56,240 --> 00:27:59,080
Speaker 2: and say, hello, mister driver, how are you?

601
00:27:59,080 --> 00:27:59,320
Speaker 3: You know?

602
00:27:59,359 --> 00:28:02,280
Speaker 2: Can you put the pass in the backyard which is

603
00:28:02,320 --> 00:28:04,760
Speaker 2: awesome so you can communicate with it. And then we

604
00:28:04,800 --> 00:28:07,200
Speaker 2: are signed up for it's I think we paid ten

605
00:28:07,880 --> 00:28:11,359
Speaker 2: dollars a month, and oh there's different plans, like it

606
00:28:11,400 --> 00:28:14,360
Speaker 2: can cost more if you have like the super security

607
00:28:14,400 --> 00:28:16,879
Speaker 2: system that actually calls the police if something happens, and

608
00:28:17,240 --> 00:28:20,040
Speaker 2: all these different things. But anyway, I don't know all

609
00:28:20,040 --> 00:28:22,040
Speaker 2: the technical details of it. I know that it's about

610
00:28:22,040 --> 00:28:23,960
Speaker 2: ten dollars a month. It was a few hundred bucks.

611
00:28:23,960 --> 00:28:27,439
Speaker 2: But I'm telling you it is money well spent because

612
00:28:27,640 --> 00:28:30,080
Speaker 2: I can live in my house now by myself, like

613
00:28:30,119 --> 00:28:32,879
Speaker 2: a grown adult person I've heard of.

614
00:28:32,920 --> 00:28:35,480
Speaker 1: Like it's almost like is it like the ring? Oh no, no,

615
00:28:35,640 --> 00:28:37,960
Speaker 1: because Nest is also nests could do other things like

616
00:28:38,000 --> 00:28:39,680
Speaker 1: it can set the temperature and all those things that

617
00:28:39,760 --> 00:28:40,320
Speaker 1: in the has too.

618
00:28:40,400 --> 00:28:42,720
Speaker 2: Right, Yeah, it's the next I guess Nests is the

619
00:28:42,720 --> 00:28:44,760
Speaker 2: company and then they have all these different products. So

620
00:28:44,800 --> 00:28:47,880
Speaker 2: the nests at the Nest Security, this is the Nest

621
00:28:48,120 --> 00:28:50,920
Speaker 2: door bell, which I think is new. It's dope. I

622
00:28:50,960 --> 00:28:53,800
Speaker 2: can set the alarm from my phone, you know, I can,

623
00:28:53,920 --> 00:28:56,840
Speaker 2: like I said, communicate if, like my little brother visited

624
00:28:56,880 --> 00:28:59,280
Speaker 2: last week, I could even give him his own personal

625
00:28:59,520 --> 00:29:01,200
Speaker 2: because it's don't we don't use a key for the

626
00:29:01,200 --> 00:29:04,120
Speaker 2: front door anymore. We use the Nest door like. It's

627
00:29:04,120 --> 00:29:06,400
Speaker 2: like a pin pad, a keypad thingy where you just

628
00:29:06,600 --> 00:29:08,320
Speaker 2: punch in a code to get into the door, which

629
00:29:08,320 --> 00:29:10,680
Speaker 2: is awesome. So my brother visited and I could set

630
00:29:10,720 --> 00:29:13,360
Speaker 2: up a code for him, I was like, okay, the passwords,

631
00:29:13,640 --> 00:29:15,800
Speaker 2: you know, these four digits. You know, you can get

632
00:29:15,840 --> 00:29:18,160
Speaker 2: into my house while I'm at work, you know, because

633
00:29:18,160 --> 00:29:20,080
Speaker 2: we couldn't be home to let him in, which is

634
00:29:20,080 --> 00:29:22,280
Speaker 2: so much safer than just throwing a key under the

635
00:29:22,320 --> 00:29:23,160
Speaker 2: welcome that right.

636
00:29:23,640 --> 00:29:26,840
Speaker 1: Yeah, No, for sure, No, I love that because then

637
00:29:27,480 --> 00:29:29,640
Speaker 1: in my neighborhood where we where we bought my house

638
00:29:29,680 --> 00:29:34,000
Speaker 1: in Newark, the Ring Company, I think that's what they're called.

639
00:29:34,320 --> 00:29:37,240
Speaker 1: They do something similar, and I guess they're trying to

640
00:29:37,280 --> 00:29:39,520
Speaker 1: get people on board. So they've been giving away rings

641
00:29:39,520 --> 00:29:41,040
Speaker 1: and like service for a year for free.

642
00:29:41,520 --> 00:29:43,520
Speaker 2: I'm sure there's going to be more than just the nest. Yeah,

643
00:29:43,520 --> 00:29:45,240
Speaker 2: I'm excited for that to be more like that because

644
00:29:45,280 --> 00:29:47,000
Speaker 2: the more they are, the lower the price is going

645
00:29:47,040 --> 00:29:47,400
Speaker 2: to be for.

646
00:29:47,360 --> 00:29:50,240
Speaker 1: Everybody exactly because it becomes the norm. But I love

647
00:29:50,240 --> 00:29:52,440
Speaker 1: that when I see the commercials when like the person's

648
00:29:52,480 --> 00:29:54,080
Speaker 1: trying to steal the package and they're like get away

649
00:29:54,080 --> 00:29:54,640
Speaker 1: from my door.

650
00:29:54,720 --> 00:29:57,200
Speaker 3: You're like, that's gonna be me.

651
00:29:57,400 --> 00:29:58,800
Speaker 2: I'm waiting for the day. Come try me.

652
00:30:00,320 --> 00:30:02,680
Speaker 1: We random cats on the on the on the front porch,

653
00:30:02,680 --> 00:30:03,720
Speaker 1: You're like, get off my stoop.

654
00:30:04,680 --> 00:30:06,640
Speaker 2: One day I got an alert it was like unfamiliar

655
00:30:06,640 --> 00:30:08,680
Speaker 2: face at the front door. And I played the video

656
00:30:08,720 --> 00:30:11,240
Speaker 2: because you can stream into the live video, and all

657
00:30:11,240 --> 00:30:15,920
Speaker 2: I hear is and the biggest bee I've ever seen

658
00:30:15,960 --> 00:30:17,680
Speaker 2: in my life was just hanging out in front of

659
00:30:17,680 --> 00:30:17,960
Speaker 2: my door.

660
00:30:18,800 --> 00:30:23,000
Speaker 1: It's a little like right, not today, right, but hey,

661
00:30:23,000 --> 00:30:25,160
Speaker 1: better to be sensitive than to be not sensitive, right

662
00:30:26,360 --> 00:30:28,840
Speaker 1: all right, Well that was a good positive.

663
00:30:29,200 --> 00:30:33,480
Speaker 3: Boost to my to my break negative right.

664
00:30:34,440 --> 00:30:36,040
Speaker 1: No, I mean all in all, it's it's all good.

665
00:30:36,040 --> 00:30:37,400
Speaker 1: I just think it's funny because I'm just like, do

666
00:30:37,440 --> 00:30:40,480
Speaker 1: people not read anymore? And I'm looking like like literally

667
00:30:40,560 --> 00:30:42,040
Speaker 1: I look back and I'm like, so I try to

668
00:30:42,080 --> 00:30:44,720
Speaker 1: be like who what I literally have like you know

669
00:30:44,760 --> 00:30:48,360
Speaker 1: those categories in the post when where? How that way

670
00:30:48,480 --> 00:30:50,480
Speaker 1: because that's what I do whenever I post something where

671
00:30:50,480 --> 00:30:52,200
Speaker 1: I'm making a request, So that way, I know I

672
00:30:52,240 --> 00:30:54,160
Speaker 1: answer all the questions ahead of time.

673
00:30:54,520 --> 00:30:57,240
Speaker 3: And I was like, yeah, they're here, all the questions

674
00:30:57,280 --> 00:30:59,960
Speaker 3: are here. People were sending me pictures of their place.

675
00:31:00,080 --> 00:31:01,240
Speaker 3: It's like, look what I made tonight.

676
00:31:01,280 --> 00:31:06,280
Speaker 1: I'm like, ma'am, help us, help you guys, and you

677
00:31:06,280 --> 00:31:06,840
Speaker 1: get hired.

678
00:31:23,840 --> 00:31:25,720
Speaker 3: All right, So do we have any question? All? I

679
00:31:25,760 --> 00:31:27,480
Speaker 3: feel like we haven't done questions in so long.

680
00:31:27,680 --> 00:31:30,000
Speaker 2: It's been a minute. We have some great questions. I

681
00:31:30,160 --> 00:31:34,360
Speaker 2: combed our inbox today and I hopefully answered a few

682
00:31:34,400 --> 00:31:36,800
Speaker 2: people who have been waiting on some responses. You guys,

683
00:31:36,800 --> 00:31:38,880
Speaker 2: try and be as detailed with your questions as you

684
00:31:38,880 --> 00:31:40,800
Speaker 2: can be. So if you have questions about your credit,

685
00:31:41,120 --> 00:31:43,160
Speaker 2: let us know things about your like what's your credit score?

686
00:31:43,240 --> 00:31:45,240
Speaker 2: If you have questions about your debt, let us know

687
00:31:45,280 --> 00:31:47,760
Speaker 2: what types of debt you have and the aprs. All

688
00:31:47,800 --> 00:31:50,080
Speaker 2: that is so much more helpful. It helps us give

689
00:31:50,120 --> 00:31:52,800
Speaker 2: you the best answer. And again, you can hit us

690
00:31:52,840 --> 00:31:55,840
Speaker 2: up at Brown Ambition Podcast at gmail dot com or

691
00:31:55,880 --> 00:31:59,080
Speaker 2: go to our website, Brianambis podcast, dot com click ask

692
00:31:59,160 --> 00:32:01,560
Speaker 2: us anything. Ooh, I talked over you.

693
00:32:01,600 --> 00:32:05,200
Speaker 3: Sorry, Yes, okay, I was just doing dot com.

694
00:32:04,680 --> 00:32:08,440
Speaker 2: And leave us. Ask us anything through our question form

695
00:32:08,600 --> 00:32:10,200
Speaker 2: on the website. You can let me know if you

696
00:32:10,200 --> 00:32:12,120
Speaker 2: want me to use your real name or an alias.

697
00:32:12,240 --> 00:32:14,640
Speaker 2: Shout out to whoever it was who said my alias

698
00:32:14,680 --> 00:32:20,640
Speaker 2: is Chagavada. Uh, shout out to you. Shout out to you.

699
00:32:20,760 --> 00:32:23,720
Speaker 2: Here's a good question. So, actually Sarah had two questions.

700
00:32:23,760 --> 00:32:25,760
Speaker 2: She tried to be slick and send two separate emails,

701
00:32:25,760 --> 00:32:29,200
Speaker 2: but I saw them both. Boo, I love it. I

702
00:32:29,200 --> 00:32:30,240
Speaker 2: thought they were both good.

703
00:32:30,520 --> 00:32:30,840
Speaker 3: All right.

704
00:32:30,880 --> 00:32:33,440
Speaker 2: So if Sarah's first questions about breaking up with her bank,

705
00:32:34,040 --> 00:32:36,200
Speaker 2: she says, I'm in the process of breaking up with

706
00:32:36,240 --> 00:32:38,960
Speaker 2: my big corporate bank, my big corporate bank, and I

707
00:32:39,000 --> 00:32:41,640
Speaker 2: feel great about the decision. Yay for credit unions that

708
00:32:41,680 --> 00:32:45,720
Speaker 2: don't support oil pipelines, shade. I've migrated over my checking

709
00:32:45,720 --> 00:32:47,680
Speaker 2: and savings, and now we need to decide what to

710
00:32:47,680 --> 00:32:50,719
Speaker 2: do about a brokerage account and a potential new IRA.

711
00:32:51,320 --> 00:32:53,480
Speaker 2: All the investment accounts that I hear about seem to

712
00:32:53,520 --> 00:32:57,280
Speaker 2: be big corporate names. Are there any other socially responsible

713
00:32:57,320 --> 00:33:00,840
Speaker 2: investment options. The banking switch was a fairly straightforward one,

714
00:33:00,880 --> 00:33:03,400
Speaker 2: but I'm a little stumped on the investment side of things.

715
00:33:03,440 --> 00:33:04,960
Speaker 2: Thanks in advanced.

716
00:33:04,560 --> 00:33:10,520
Speaker 1: Sarah, Ooh, actually have you heard of Remember I was

717
00:33:10,560 --> 00:33:13,920
Speaker 1: telling you about Elvest, like maybe a few episodes ago.

718
00:33:14,440 --> 00:33:14,760
Speaker 2: Yes.

719
00:33:15,440 --> 00:33:17,960
Speaker 1: So one of the things I actually was surprised. We're

720
00:33:18,000 --> 00:33:21,280
Speaker 1: not surprised, but pleasantly I guess surprised about Elvest is

721
00:33:21,280 --> 00:33:25,800
Speaker 1: they actually have an investment option where you can you

722
00:33:25,840 --> 00:33:28,440
Speaker 1: can choose investments that are socially responsible.

723
00:33:29,240 --> 00:33:33,640
Speaker 2: Social social responsible investing is such a trend right now.

724
00:33:34,040 --> 00:33:36,000
Speaker 2: I feel like we get answers, We get questions like

725
00:33:36,040 --> 00:33:38,920
Speaker 2: this all the time too, on Twitter and on like

726
00:33:38,920 --> 00:33:42,240
Speaker 2: got to magnify money. But el Avest and also Betterment

727
00:33:42,360 --> 00:33:44,840
Speaker 2: like these these robo advisors, and maybe for people who

728
00:33:44,880 --> 00:33:47,360
Speaker 2: don't know, they need an explanation of what like companies

729
00:33:47,400 --> 00:33:51,120
Speaker 2: like Lavest and Betterment do. But typically they they're called

730
00:33:51,120 --> 00:33:54,720
Speaker 2: a robo advisor because for a reduced fee versus someone

731
00:33:54,800 --> 00:33:57,520
Speaker 2: who you know, a physical person who is going to

732
00:33:57,560 --> 00:33:59,360
Speaker 2: be moving your investments around is going to charge a

733
00:33:59,400 --> 00:34:03,480
Speaker 2: high fee. These robo advisors use algorithms and fancy technology

734
00:34:04,360 --> 00:34:07,200
Speaker 2: ask you questions about what you what you're investing for

735
00:34:07,360 --> 00:34:09,040
Speaker 2: and what kind of person you are, and then they

736
00:34:09,120 --> 00:34:13,359
Speaker 2: choose your investments for you based on that info and

737
00:34:13,400 --> 00:34:16,239
Speaker 2: that's why they charge reduced fees. And I looked into

738
00:34:16,280 --> 00:34:18,640
Speaker 2: this after I got Sarah's question, and yeah, LS and

739
00:34:18,680 --> 00:34:23,040
Speaker 2: also Betterment offer these funds called socially responsible Investment funds,

740
00:34:23,080 --> 00:34:26,759
Speaker 2: and they are supposed to contain companies that they rate,

741
00:34:26,840 --> 00:34:29,600
Speaker 2: and you have to look into each like look at LS,

742
00:34:29,680 --> 00:34:31,760
Speaker 2: look at Betterment's methodology for how they.

743
00:34:31,640 --> 00:34:34,960
Speaker 1: Decide, yes, what a socially responsible one is, Like I'm

744
00:34:35,000 --> 00:34:37,320
Speaker 1: on Elvis right now. They're like they look for companies

745
00:34:37,400 --> 00:34:40,959
Speaker 1: that care about sustainability. True, they value transparency and good

746
00:34:41,000 --> 00:34:46,560
Speaker 1: governance and promote social responsibility. It's called Elves Impact portfolios

747
00:34:47,000 --> 00:34:50,440
Speaker 1: and so but no, Mandage Wright's these newer kind of

748
00:34:50,760 --> 00:34:55,839
Speaker 1: robo advisors. They understand the millennial mind that you know

749
00:34:56,040 --> 00:34:58,400
Speaker 1: that you guys are really looking to invest in things

750
00:34:58,400 --> 00:35:01,280
Speaker 1: that not only just make you money, but make a difference.

751
00:35:01,360 --> 00:35:05,359
Speaker 1: And so you know, take a look at it, would

752
00:35:05,360 --> 00:35:07,000
Speaker 1: you say, Betterment, el of A who's the other?

753
00:35:07,360 --> 00:35:12,120
Speaker 2: Well, wellth front Wealth Simple, there's certainly a few out there,

754
00:35:13,040 --> 00:35:15,800
Speaker 2: so I have I don't use any of these accounts,

755
00:35:15,800 --> 00:35:18,640
Speaker 2: although I have stopped and started to open one like

756
00:35:18,680 --> 00:35:21,839
Speaker 2: a million times, like most things in my life. But yeah,

757
00:35:21,880 --> 00:35:24,040
Speaker 2: I've I've definitely looked into betterment. I've looked into Wealth

758
00:35:24,040 --> 00:35:27,440
Speaker 2: front l of US. I know, Tiffany, do you currently

759
00:35:27,520 --> 00:35:28,239
Speaker 2: use it or have you?

760
00:35:29,000 --> 00:35:30,480
Speaker 3: Yeah? So I I opened up.

761
00:35:30,600 --> 00:35:32,279
Speaker 1: Well if they're not the only ones, I mean, I

762
00:35:32,320 --> 00:35:35,960
Speaker 1: have so many accounts, to be honest, well, because I

763
00:35:36,040 --> 00:35:38,520
Speaker 1: like to try. If I'm gonna suggest it, I like

764
00:35:38,600 --> 00:35:41,279
Speaker 1: to be like, well, let me put some money. So

765
00:35:41,560 --> 00:35:45,960
Speaker 1: I haven't. I didn't sign up specifically for the UH

766
00:35:46,080 --> 00:35:49,400
Speaker 1: for the Impact portfolio, but I just opened up a

767
00:35:49,440 --> 00:35:53,160
Speaker 1: regular investment account. It wasn't in I ra A like

768
00:35:53,200 --> 00:35:55,759
Speaker 1: because I had one already that I was happy with,

769
00:35:56,600 --> 00:35:58,840
Speaker 1: But I said, you know what, let me let me

770
00:35:59,280 --> 00:36:01,759
Speaker 1: set inside money. What I like about LS too is

771
00:36:01,760 --> 00:36:04,880
Speaker 1: that you can you can create like a free investment

772
00:36:04,920 --> 00:36:07,360
Speaker 1: plan and kind of see like where you need to

773
00:36:07,360 --> 00:36:09,279
Speaker 1: be to get to what you need to save now

774
00:36:09,320 --> 00:36:11,279
Speaker 1: or what you need to set aside now to get

775
00:36:11,280 --> 00:36:13,520
Speaker 1: to your ultimate goal, and then from there you can

776
00:36:13,600 --> 00:36:14,279
Speaker 1: kind of call They have.

777
00:36:14,280 --> 00:36:16,640
Speaker 3: A concierge service if you have further questions.

778
00:36:16,640 --> 00:36:18,680
Speaker 1: So what I would do if it was me, I

779
00:36:18,719 --> 00:36:22,520
Speaker 1: would choose maybe three after doing some research online and

780
00:36:22,560 --> 00:36:25,400
Speaker 1: then call and just get some more information about because

781
00:36:25,400 --> 00:36:27,520
Speaker 1: you want to understand and make sure that their.

782
00:36:27,440 --> 00:36:28,960
Speaker 3: Values are aligned with yours.

783
00:36:28,960 --> 00:36:32,920
Speaker 1: So Elves might really be women heavy because it's a

784
00:36:33,560 --> 00:36:37,400
Speaker 1: it's a robo advising company specifically geared toward women, and

785
00:36:37,560 --> 00:36:40,680
Speaker 1: Betterment might be I don't know, environmental heavy. So depending

786
00:36:40,680 --> 00:36:42,640
Speaker 1: on what you care about, that's what I would look

787
00:36:42,680 --> 00:36:45,879
Speaker 1: to align myself with. But I personally still like old school.

788
00:36:45,920 --> 00:36:49,640
Speaker 2: I like a call once I decide definitely, and you know,

789
00:36:49,800 --> 00:36:52,799
Speaker 2: consider not just investing in that one, because these are

790
00:36:52,840 --> 00:36:54,840
Speaker 2: like mutual funds, which is going to give you access

791
00:36:54,840 --> 00:36:57,879
Speaker 2: to a lot of companies and from one fund, which

792
00:36:57,920 --> 00:37:00,080
Speaker 2: is good because it spreads out your risk. But still,

793
00:37:00,120 --> 00:37:01,600
Speaker 2: I mean, you want to make sure that these companies

794
00:37:01,640 --> 00:37:04,480
Speaker 2: are you know that the types of investments that you're making,

795
00:37:04,560 --> 00:37:07,440
Speaker 2: whatever is in this socially responsible fund, you know it's

796
00:37:07,480 --> 00:37:09,200
Speaker 2: going to help you long term. And it may be

797
00:37:09,400 --> 00:37:12,480
Speaker 2: that part of your portfolio is invested in socially responsible

798
00:37:13,600 --> 00:37:15,600
Speaker 2: companies and then part of you is you know, target

799
00:37:15,680 --> 00:37:17,080
Speaker 2: day fund, you know, whatever works for you.

800
00:37:17,800 --> 00:37:19,719
Speaker 1: And one last thing, I did a quick search on

801
00:37:19,760 --> 00:37:23,120
Speaker 1: my phone, and there's this a blog called the Good

802
00:37:23,440 --> 00:37:27,000
Speaker 1: Trade dot Com, So the Good t r a d

803
00:37:27,120 --> 00:37:31,120
Speaker 1: E and they actually have eight socially responsible investment platforms

804
00:37:31,280 --> 00:37:34,640
Speaker 1: that help you invest in both purpose and profit. So

805
00:37:34,920 --> 00:37:36,960
Speaker 1: that might be a good place to start to kind

806
00:37:37,000 --> 00:37:40,320
Speaker 1: of figure out because they're listing kind of like here's

807
00:37:40,600 --> 00:37:41,919
Speaker 1: here's where their values lie.

808
00:37:41,960 --> 00:37:43,440
Speaker 3: So I think it's gotta be a good place for

809
00:37:43,480 --> 00:37:44,520
Speaker 3: you to start.

810
00:37:44,560 --> 00:37:49,160
Speaker 2: Sarah, awesome, thank you for your question. Sarah, Okay, got

811
00:37:49,200 --> 00:37:50,920
Speaker 2: to answer this question, and I will get to your

812
00:37:50,920 --> 00:37:53,279
Speaker 2: second question maybe another week, but I wanted to get

813
00:37:53,320 --> 00:37:57,400
Speaker 2: to another question from listener named Safie. She says, my

814
00:37:57,440 --> 00:38:00,160
Speaker 2: name is Safie. I'm a junior at Arizona State univer

815
00:38:00,400 --> 00:38:02,160
Speaker 2: I'm a huge fan of podcasts. I follow you both

816
00:38:02,239 --> 00:38:05,920
Speaker 2: on Instagram. Hey at the Brown Ambition podcast on Instagram. Plug.

817
00:38:06,760 --> 00:38:08,600
Speaker 2: So Safie has a really good question, and she actually

818
00:38:08,640 --> 00:38:10,839
Speaker 2: talks about this credit card that I think you and

819
00:38:10,880 --> 00:38:13,359
Speaker 2: I both have heard of. It's a nasty credit card

820
00:38:13,719 --> 00:38:15,319
Speaker 2: and her daddy told her to sign up for it.

821
00:38:15,360 --> 00:38:18,640
Speaker 2: So we have to talk about this question from Safie,

822
00:38:18,640 --> 00:38:22,560
Speaker 2: all right. So Safi's a college student at Arizona State University.

823
00:38:23,160 --> 00:38:26,240
Speaker 2: She says, I have a Credit one bank credit card,

824
00:38:26,440 --> 00:38:30,840
Speaker 2: which charges twenty five point four percent APR and a

825
00:38:30,960 --> 00:38:34,440
Speaker 2: ninety nine dollars annual fee at eight dollars and twenty

826
00:38:34,440 --> 00:38:37,040
Speaker 2: five cents per month. I opened a credit card with

827
00:38:37,120 --> 00:38:39,879
Speaker 2: Credit one because they kept sending letters to my parents' house,

828
00:38:39,920 --> 00:38:42,080
Speaker 2: so my dad advised me to go ahead and open

829
00:38:42,080 --> 00:38:44,920
Speaker 2: an account with them. Oh, Dad, to help build my

830
00:38:45,000 --> 00:38:48,360
Speaker 2: credit score. Per your advice on the podcast, I utilize

831
00:38:48,440 --> 00:38:50,560
Speaker 2: under twenty percent of the limit. I paid off in

832
00:38:50,600 --> 00:38:53,040
Speaker 2: full every month, and I only use it to buy gas.

833
00:38:53,239 --> 00:38:56,719
Speaker 2: I have two questions, would my credit score be negatively

834
00:38:56,760 --> 00:38:59,520
Speaker 2: impacted if I close my account with Credit One? I

835
00:38:59,520 --> 00:39:03,000
Speaker 2: think they're are way too high? And two, what credit

836
00:39:03,000 --> 00:39:06,480
Speaker 2: card company do you suggest I open an account with instead?

837
00:39:06,600 --> 00:39:08,440
Speaker 2: So before we answer this question, I follow it up

838
00:39:08,480 --> 00:39:10,400
Speaker 2: with Safie to ask her what her credit score is

839
00:39:10,440 --> 00:39:12,960
Speaker 2: and also if she has any other credit cards, because she's,

840
00:39:13,120 --> 00:39:15,680
Speaker 2: you know, in college, she's a newbie. She actually says

841
00:39:15,680 --> 00:39:19,080
Speaker 2: she has another Nordstrom credit card and along with this

842
00:39:19,160 --> 00:39:21,399
Speaker 2: Credit one credit card, they've been opened. They were both

843
00:39:21,400 --> 00:39:24,160
Speaker 2: open in twenty seventeen, so about a year she's had

844
00:39:24,200 --> 00:39:27,680
Speaker 2: these two cards. Her credit score is a good credit score.

845
00:39:27,680 --> 00:39:28,880
Speaker 2: I don't want to put it all, you know, I

846
00:39:28,920 --> 00:39:30,480
Speaker 2: don't know. She didn't tell me to put on the podcast.

847
00:39:30,520 --> 00:39:31,600
Speaker 2: But it's a good credit score.

848
00:39:31,680 --> 00:39:32,560
Speaker 3: And how old is safe?

849
00:39:33,239 --> 00:39:34,200
Speaker 2: Junior in college?

850
00:39:34,239 --> 00:39:37,880
Speaker 3: So okay, twenty that's like, okay, okay, twenty.

851
00:39:37,640 --> 00:39:41,000
Speaker 2: Twenty one, so excellent question. Have you heard of this

852
00:39:41,080 --> 00:39:42,359
Speaker 2: Credit one credit card TIF?

853
00:39:43,719 --> 00:39:47,719
Speaker 1: I have not credit won. Yeah, so it's not I mean,

854
00:39:48,000 --> 00:39:49,680
Speaker 1: you know, they have the lesser known ones, but I

855
00:39:49,719 --> 00:39:54,400
Speaker 1: do know twenty five percent, ah little bit fiveway robbery.

856
00:39:54,600 --> 00:39:55,800
Speaker 3: They're literally like, oh.

857
00:39:55,640 --> 00:39:58,239
Speaker 1: You got a dollar, psych you got seventy five cents.

858
00:39:58,440 --> 00:40:00,320
Speaker 2: But that's the thing, it's not just the a PR.

859
00:40:00,400 --> 00:40:02,600
Speaker 2: But so Credit One is one of these banks that

860
00:40:02,719 --> 00:40:05,560
Speaker 2: actually has several credit card options, but they typically target

861
00:40:05,600 --> 00:40:07,640
Speaker 2: people with poor credit who are looking to build credit,

862
00:40:07,719 --> 00:40:10,200
Speaker 2: poor credit or no credit, who are unable to get

863
00:40:10,239 --> 00:40:13,000
Speaker 2: any offers anywhere else. So in that case it can

864
00:40:13,040 --> 00:40:16,160
Speaker 2: be great because yeah, they will pretty much approve anybody

865
00:40:16,280 --> 00:40:18,400
Speaker 2: as far as I know. But what they do is

866
00:40:18,400 --> 00:40:21,279
Speaker 2: they don't offer any rewards or benefits, so you know,

867
00:40:21,320 --> 00:40:23,279
Speaker 2: an annual fee may not seem like a big deal.

868
00:40:23,320 --> 00:40:25,680
Speaker 2: Because you hear us talk about the Chase Sapphire that

869
00:40:25,719 --> 00:40:27,839
Speaker 2: has a you know, high annual fee, or these other

870
00:40:28,200 --> 00:40:31,080
Speaker 2: cash back credit cards that have annual fees, but typically

871
00:40:31,120 --> 00:40:33,439
Speaker 2: you justify the fee because they give you cash back

872
00:40:33,600 --> 00:40:36,279
Speaker 2: or some sort of rewards. The credit one bank just

873
00:40:36,360 --> 00:40:38,759
Speaker 2: charges you a fee for nothing, like for you know,

874
00:40:39,120 --> 00:40:41,279
Speaker 2: for I guess, the pleasure of carrying their card in

875
00:40:41,320 --> 00:40:43,880
Speaker 2: your wallet. So she says, they have she have a

876
00:40:43,960 --> 00:40:46,920
Speaker 2: ninety nine dollars annual fee at eight dollars and twenty

877
00:40:46,920 --> 00:40:49,520
Speaker 2: five cents a month. And even though she's doing the

878
00:40:49,680 --> 00:40:52,560
Speaker 2: exact right thing, she's keeping her credit limit low, she's

879
00:40:52,600 --> 00:40:55,319
Speaker 2: paying it in full every month, which actually should keep

880
00:40:55,360 --> 00:40:59,360
Speaker 2: it at zero percent utilization, they're still charging her money.

881
00:40:59,480 --> 00:41:01,640
Speaker 2: So she's still has a balance on her card.

882
00:41:01,719 --> 00:41:05,640
Speaker 1: You know that that honestly is just so sickening, you know.

883
00:41:05,840 --> 00:41:07,920
Speaker 1: And that's why, honestly why I'm glad that we, you know,

884
00:41:08,000 --> 00:41:10,759
Speaker 1: we do this show, because it's like, here's the thing.

885
00:41:11,200 --> 00:41:13,440
Speaker 1: Let's just say, I'm glad you asked her about the

886
00:41:13,480 --> 00:41:16,239
Speaker 1: other credit card. Let's assume that that other credit card

887
00:41:16,360 --> 00:41:18,560
Speaker 1: is a zero balance because you paid off that nordch

888
00:41:18,600 --> 00:41:22,080
Speaker 1: trip card. So utilization is about an average right of

889
00:41:22,120 --> 00:41:25,239
Speaker 1: your of your your reoccurring debt. Like, so, if you

890
00:41:25,360 --> 00:41:28,879
Speaker 1: have one credit card that's maxed out and one credit

891
00:41:28,920 --> 00:41:31,480
Speaker 1: card that you're not using at all, your utilization is

892
00:41:31,560 --> 00:41:34,000
Speaker 1: fifty percent overall. I mean, this is just super simple

893
00:41:34,080 --> 00:41:36,440
Speaker 1: like math. It's it's the math is deeper than that.

894
00:41:36,560 --> 00:41:38,799
Speaker 1: But just let's just say, you know, so, like you're

895
00:41:38,840 --> 00:41:41,759
Speaker 1: at fifty percent utilization, then you close the card that.

896
00:41:41,719 --> 00:41:42,480
Speaker 3: You're not using.

897
00:41:42,960 --> 00:41:45,680
Speaker 1: Now you're at one hundred percent utilization, so you want

898
00:41:45,680 --> 00:41:47,320
Speaker 1: to be When people ask should I close the card?

899
00:41:47,400 --> 00:41:50,439
Speaker 1: I always tell them it depends on what will the math,

900
00:41:50,560 --> 00:41:52,279
Speaker 1: What will the new math be? What will your new

901
00:41:52,320 --> 00:41:55,560
Speaker 1: percentage of utilization be? If you close a card? But

902
00:41:55,760 --> 00:41:58,239
Speaker 1: sometimes that's why I asked how old she was? It

903
00:41:58,320 --> 00:42:01,200
Speaker 1: is better to take the hit now out and then

904
00:42:01,280 --> 00:42:04,239
Speaker 1: just rebuild. So meaning like, yes, closing your credit card

905
00:42:04,320 --> 00:42:06,440
Speaker 1: might bring down your score temporarily for a little while,

906
00:42:06,560 --> 00:42:10,680
Speaker 1: but you're twenty unless like you're looking to get an

907
00:42:10,680 --> 00:42:13,279
Speaker 1: apartment right now, or maybe you're getting a car right now,

908
00:42:13,520 --> 00:42:15,799
Speaker 1: if you've got a few months six months before you're

909
00:42:15,840 --> 00:42:18,280
Speaker 1: making any sort of move where you need your credit, Honestly,

910
00:42:18,320 --> 00:42:20,880
Speaker 1: I will probably just close the card because it doesn't

911
00:42:20,920 --> 00:42:23,759
Speaker 1: make sense, like it's it's costing you money to be

912
00:42:23,920 --> 00:42:26,560
Speaker 1: what a good A good steward of your card, Like,

913
00:42:26,560 --> 00:42:28,479
Speaker 1: what are the American Express because isn't that like ninety

914
00:42:28,520 --> 00:42:29,239
Speaker 1: nine hours a year?

915
00:42:29,640 --> 00:42:31,480
Speaker 2: Yeah, but they give you that's the that's the one

916
00:42:31,480 --> 00:42:34,240
Speaker 2: that gives you six percent cash back on groceries exactly.

917
00:42:34,280 --> 00:42:36,840
Speaker 1: That's what I'm saying, Like, usually people who charge that

918
00:42:36,920 --> 00:42:39,200
Speaker 1: much there's like some benefit, and to me, the only

919
00:42:39,200 --> 00:42:40,120
Speaker 1: benefit is for them.

920
00:42:40,480 --> 00:42:41,640
Speaker 3: It's a no for me dog.

921
00:42:42,160 --> 00:42:44,920
Speaker 2: So so my answer is, yes, you should close this card.

922
00:42:45,000 --> 00:42:47,120
Speaker 2: Read your read your terms, and make sure they're not

923
00:42:47,120 --> 00:42:49,160
Speaker 2: going to stick you with any fees for closing your card.

924
00:42:49,160 --> 00:42:50,360
Speaker 2: I don't I'm not. I don't know that they have

925
00:42:50,440 --> 00:42:53,200
Speaker 2: those types of terms, but just make sure so that

926
00:42:53,200 --> 00:42:55,799
Speaker 2: will leave you with one Nordstrom card. That's fine to have.

927
00:42:56,000 --> 00:42:58,360
Speaker 2: You can build credit with a Nordstrom credit card. But

928
00:42:58,360 --> 00:43:00,360
Speaker 2: the problem is that you can't take your Norse credit

929
00:43:00,360 --> 00:43:03,040
Speaker 2: card and use it with the gas pump. Right, So

930
00:43:03,320 --> 00:43:05,160
Speaker 2: I would say, you know, you can keep that card open.

931
00:43:05,200 --> 00:43:06,920
Speaker 2: You don't have to close necessarily. I don't think they

932
00:43:06,960 --> 00:43:09,680
Speaker 2: charge an annual fee. It's not hurting you just if

933
00:43:09,719 --> 00:43:11,920
Speaker 2: you charge money on it. Of course, pay it off

934
00:43:11,920 --> 00:43:15,120
Speaker 2: in full immediately, but she asked, what credit card company

935
00:43:15,120 --> 00:43:17,120
Speaker 2: do you suggest I open account with instead? So the

936
00:43:17,120 --> 00:43:19,880
Speaker 2: first thing I did is send her this roundup that

937
00:43:19,920 --> 00:43:21,920
Speaker 2: we did. We worked really hard on the best credit

938
00:43:21,960 --> 00:43:25,080
Speaker 2: cards for college students because this is a list of

939
00:43:25,239 --> 00:43:28,799
Speaker 2: no fee credit cards that offer in some cases a

940
00:43:28,920 --> 00:43:32,799
Speaker 2: nice reward, whether it's five percent cash back and rotating categories,

941
00:43:32,920 --> 00:43:35,040
Speaker 2: or like you say, you use this card only to

942
00:43:35,080 --> 00:43:37,520
Speaker 2: buy gas. There are credit cards that will give me

943
00:43:37,680 --> 00:43:40,360
Speaker 2: no fee, but that may offer you know, three percent

944
00:43:40,400 --> 00:43:42,759
Speaker 2: cash back, two percent cash back on gas, and then

945
00:43:42,760 --> 00:43:46,680
Speaker 2: then you're earning a little something with you with your expenses.

946
00:43:46,680 --> 00:43:48,440
Speaker 2: But the key is just to get a no fee

947
00:43:48,440 --> 00:43:51,280
Speaker 2: card that it's going to give you like general flat

948
00:43:51,800 --> 00:43:54,400
Speaker 2: cash back if you can get it, you know, rewards

949
00:43:54,520 --> 00:43:56,640
Speaker 2: or something just to sweeten the deal a little bit

950
00:43:56,680 --> 00:43:59,560
Speaker 2: for you. But then I mean, essentially, like you're doing

951
00:43:59,640 --> 00:44:01,960
Speaker 2: exactly what you need to do, and thank you for giving,

952
00:44:02,080 --> 00:44:05,439
Speaker 2: you know, for saying that the podcast helped you learn

953
00:44:05,440 --> 00:44:07,319
Speaker 2: how to use the card, because you're doing exactly right,

954
00:44:07,360 --> 00:44:10,120
Speaker 2: you know, utilizing under twenty percent of the limit, paying

955
00:44:10,160 --> 00:44:13,799
Speaker 2: off in full every month. That's exactly how you're going

956
00:44:13,840 --> 00:44:15,439
Speaker 2: to build credit. You just need to find a card

957
00:44:15,440 --> 00:44:18,560
Speaker 2: that's not going to charge you that much money. You know,

958
00:44:18,920 --> 00:44:19,480
Speaker 2: in order to.

959
00:44:19,440 --> 00:44:21,520
Speaker 3: Do it, that card is working against you.

960
00:44:23,200 --> 00:44:28,279
Speaker 2: Well said, thank you, staffy girl, and I will follow up.

961
00:44:28,320 --> 00:44:29,680
Speaker 2: I'll follow up on the email I sent you, and

962
00:44:29,719 --> 00:44:32,520
Speaker 2: I'll include for everybody in the show notes that roundup

963
00:44:32,560 --> 00:44:35,759
Speaker 2: of best no fee credit cards out there, because there's

964
00:44:35,760 --> 00:44:38,680
Speaker 2: no reason to pay a fee, especially for building credit

965
00:44:39,719 --> 00:44:40,960
Speaker 2: is zobzuck.

966
00:44:42,640 --> 00:44:44,080
Speaker 1: I'm just try saying it like I think, because I

967
00:44:44,719 --> 00:44:46,560
Speaker 1: don't know for those of you who might be new listeners.

968
00:44:46,600 --> 00:44:49,560
Speaker 1: My oldest sister, she's two years old and me. Her

969
00:44:49,640 --> 00:44:52,480
Speaker 1: husband is Nigerian. Well, we're all Nigerian, but he was

970
00:44:52,480 --> 00:44:55,400
Speaker 1: born and raised in Nigeria. And Emmanuel like when he

971
00:44:55,440 --> 00:44:57,440
Speaker 1: says exactly that, that's how he says it, and I

972
00:44:57,440 --> 00:44:58,120
Speaker 1: love it every time.

973
00:44:58,320 --> 00:44:59,400
Speaker 3: I'm like, right, brother in.

974
00:44:59,440 --> 00:45:04,320
Speaker 1: Law, He's like, exactly, exactly. So that's forever how I

975
00:45:04,400 --> 00:45:06,080
Speaker 1: say it. So I shout out to you, Manuel, even

976
00:45:06,080 --> 00:45:10,120
Speaker 1: though I know you don't listen. But my sister, right,

977
00:45:10,239 --> 00:45:12,080
Speaker 1: she's gonna be like, really, Tiffany, I'm like, well, you know,

978
00:45:12,480 --> 00:45:13,080
Speaker 1: just be.

979
00:45:13,000 --> 00:45:15,520
Speaker 2: Like you told that story again. Yeah she did, sister,

980
00:45:16,000 --> 00:45:17,120
Speaker 2: and I heard it again.

981
00:45:18,480 --> 00:45:20,280
Speaker 3: I'm the Queen of the Like I said that before

982
00:45:20,440 --> 00:45:20,799
Speaker 3: I have.

983
00:45:20,800 --> 00:45:24,279
Speaker 2: The memory, I have a list of the stories you

984
00:45:24,440 --> 00:45:27,200
Speaker 2: like to tell. Oh, it's her favorite.

985
00:45:27,400 --> 00:45:30,200
Speaker 1: Here we go, you know what I swear. I'm like,

986
00:45:30,200 --> 00:45:31,520
Speaker 1: I don't know what I'm gonna do when I'm eighty

987
00:45:31,560 --> 00:45:34,279
Speaker 1: because I'm like, I'm here now, like I already have

988
00:45:34,360 --> 00:45:36,399
Speaker 1: the worst memory, Like what am I gonna What else

989
00:45:36,480 --> 00:45:39,560
Speaker 1: is there to forget? So we're here, poor superman. I mean,

990
00:45:39,880 --> 00:45:41,359
Speaker 1: sometimes you just look He's like, I don't even say

991
00:45:41,360 --> 00:45:41,759
Speaker 1: anything more.

992
00:45:41,800 --> 00:45:45,560
Speaker 2: I just look at you, like, tell me that story

993
00:45:45,600 --> 00:45:46,760
Speaker 2: again about your sisters.

994
00:45:47,520 --> 00:45:52,600
Speaker 3: Sister, you know, it's just the quirks of Tiffany.

995
00:45:52,760 --> 00:45:57,040
Speaker 2: You know, I love you. All right, that's it for

996
00:45:57,120 --> 00:45:57,560
Speaker 2: the show.

997
00:45:58,160 --> 00:46:01,879
Speaker 1: Yes, and don't forget because we really, really really want

998
00:46:01,880 --> 00:46:04,200
Speaker 1: to bring you guys into the show. So you can

999
00:46:04,400 --> 00:46:07,319
Speaker 1: always email us or go to Branna Vission podcast dot

1000
00:46:07,320 --> 00:46:12,200
Speaker 1: com and click ask us anything. And really I like

1001
00:46:12,280 --> 00:46:13,920
Speaker 1: social media a whole lot, and I just love to

1002
00:46:13,960 --> 00:46:16,239
Speaker 1: shout you guys out, So if you hit us up

1003
00:46:16,239 --> 00:46:19,680
Speaker 1: at at DBA podcast, we'd love to read your tweets

1004
00:46:19,760 --> 00:46:22,200
Speaker 1: and your feedback from the show, like what you learned,

1005
00:46:22,200 --> 00:46:24,280
Speaker 1: and we will see you next week.