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Speaker 1: Hey, hey, hey, we're back.

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Speaker 2: We're black.

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Speaker 3: Brain ambition, ambiss ambition, and I.

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Speaker 1: Wish I could see how many and dropping it throwing

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Speaker 1: our backside.

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Speaker 4: You have a little shoulder shimmy, shoulder shimmy.

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Speaker 2: It's the end of the year. Yes, how are your manager?

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Speaker 4: The Christmas spirit smacked me upside the head this past weekend, Tiffany,

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Speaker 4: no tree because we're going to Atlanta and my little

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Speaker 4: brother is hosting us and the old house, so we're

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Speaker 4: going to do the tree there, okay, And so we

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Speaker 4: decorated a really tiny tree here, but we did the

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Speaker 4: outside okay. And I got plans to make cookies. And

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Speaker 4: it's the season.

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Speaker 2: That's good. As you said, you get a gift basket.

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Speaker 4: I got a gift basket.

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Speaker 1: Oh yeah, mom our podcast home my chees and my

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Speaker 1: pears and apples. I was like, well, I can eat

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Speaker 1: this cheese, honey, but I eat the pears and apples.

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Speaker 4: Yeah, delish, how about you?

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Speaker 1: So I usually, I usually the tradition is we put

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Speaker 1: up the tree right before Thanksgiving because we typically host Thanksgiving,

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Speaker 1: so that way it's all pretty for everyone to see.

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Speaker 2: But I wasn't in the mood this year.

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Speaker 1: I don't know, I was just really miss Agderrell hard

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Speaker 1: and I was like, it was this Christmas is his

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Speaker 1: favorite time of year. But I was like, you know what,

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Speaker 1: Doctor Green always reminded me, you can have new traditions.

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Speaker 2: And I thought, you know what.

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Speaker 1: My sister Carol's kids, Roman and Amelia had just decorated

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Speaker 1: their little tree. Because their tradition is to get a

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Speaker 1: real live tree. She gets a little one for the

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Speaker 1: house and they decorated all excited, and I saw it

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Speaker 1: and we were facetiming, and I was like, you guys

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Speaker 1: are like professionals, Can you come to my tree?

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Speaker 2: And so they did.

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Speaker 1: It looks exactly how you think if a six and

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Speaker 1: eight year old did your message.

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Speaker 4: It's like all the ornaments clustered at the height of

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Speaker 4: three feet.

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Speaker 1: But I didn't let them use a little step ladder,

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Speaker 1: and then of course you have to pick them out

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Speaker 1: each one.

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Speaker 2: Can you pick me up it?

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Speaker 4: But? Can you?

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Speaker 2: But I don't say.

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Speaker 1: It was a lot of fun and it's not as

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Speaker 1: fancy as before I look, but it's really beautiful.

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Speaker 4: That's what I'm I embraced the tacky at Christmas time.

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Speaker 4: I am trying to have one of those perfectly the

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Speaker 4: all whites, the all blues color schemes. You know, I

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Speaker 4: love the tacky. It's like the same old multicolored string

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Speaker 4: lights that I got back when I was living in

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Speaker 4: Queens like ten years ago, the same dollar store tinsel,

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Speaker 4: and I'm handing it to my four year old son

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Speaker 4: and I'm just like, this is a weird but great.

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Speaker 4: That's what always right about boom. But like, it's the

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Speaker 4: end of the year, I know, so damned if I'm

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Speaker 4: not reflecting. You know. The first place I started to

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Speaker 4: reflect my my my investments. Okay, I actually logged in

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Speaker 4: and checked my investment accounts, which I have not done.

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Speaker 4: I'm not gonna lie and say I waited all year,

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Speaker 4: but I don't think I've done it since before Remmy

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Speaker 4: was born. So it's been at least six seven months,

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Speaker 4: probably longer. And they're looking cute. Cute, yeah up, you know,

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Speaker 4: lifetime of the right. I mean, I imagine years too.

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Speaker 4: But like I think anyone who's who's invested in who's

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Speaker 4: been heavily invested in the market like I've always been,

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Speaker 4: and I and I don't check because of years, like

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Speaker 4: twenty twenty what was that twenty twenty two was really rough.

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Speaker 4: I feel like I don't check that often because I

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Speaker 4: know it's gonna go down like it was bad. There

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Speaker 4: was one year, I feel like it was last year

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Speaker 4: the year before where it was down like I don't know,

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Speaker 4: like one hundred k or something like that, and I

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Speaker 4: was just like, you know what, let me stop checking

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Speaker 4: because I'm Time will fix this. And Time did. It's

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Speaker 4: up ten percent over the lifetime of the account, which

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Speaker 4: is okay since what happened twenty fourteen. Yeah, so almost

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Speaker 4: ten years I've been investing, and I'm every time I

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Speaker 4: open my investment account, I'm like, shout out to baby,

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Speaker 4: Mandy really started something you know she ain't had.

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Speaker 2: You want to be as well.

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Speaker 4: That felt good. I felt good. So I've been feeling Yeah.

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Speaker 4: That made me feel rich. And then my first you

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Speaker 4: know this, the first one fourth of my book money

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Speaker 4: hit my big account. Finally, I mean, while, I find

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Speaker 4: the contract back in May, so there you go. Publishing timelines, y'all.

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Speaker 4: So I've got some end of year like tax stuff

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Speaker 4: I got to figure out, and I'm like, okay, I

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Speaker 4: need to text my I just need to because this

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Speaker 4: is the life of a solopreneur. I need to figure

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Speaker 4: out how much to invest because I don't have like

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Speaker 4: a regular other than like when I pay myself monthly.

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Speaker 4: I'm I do put like some money into the investment account.

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Speaker 4: I have to manually do it because that's ghetto because

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Speaker 4: Vanguard anyway, And but at the end of the year,

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Speaker 4: I'm like, I ain't trying to get text in all

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Speaker 4: of this, so I'm prob probably going to have to

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Speaker 4: do some math to figure out how much I should

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Speaker 4: just put immediately into my solo for one k okay

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Speaker 4: before the year ends. But also I feel like I

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Speaker 4: might have until March. Sometimes they give you right, sometimes

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Speaker 4: they let you like make contributions until the first, like

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Speaker 4: the March of the year after for the year before anyway.

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Speaker 4: This is why for some stuff, okay, Tiff, Yeah, this

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Speaker 4: is why I need an accountant.

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Speaker 1: No, it's true, Like I literally was just signing financial

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Speaker 1: paperwork this morning, because you know, because at the end

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Speaker 1: of the year, you're right, especially for entrepreneurs or business owners,

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Speaker 1: you're scrambling to say, what can I do? Like so

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Speaker 1: for example, I have been, you know, maxing out my

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Speaker 1: retirement account, and there were some months where I don't

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Speaker 1: even know I probably didn't put it enough.

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Speaker 2: So my financial advisor was.

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Speaker 1: Like, let me see, she's like tipping to your short

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Speaker 1: like you know, if you want to max out. I

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Speaker 1: was short maybe like twelve hundred dollars or something, so

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Speaker 1: she's like, you know, let's make let's go get to

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Speaker 1: your account update so that way the next pay check

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Speaker 1: takes the full amount. So that way you've maxed out

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Speaker 1: on your retirement and contributions.

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Speaker 2: You know.

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Speaker 1: Yeah, there's all these financial decisions that you're making, but

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Speaker 1: not only just that I've been making. I sat down

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Speaker 1: with my team so we could do our twenty twenty

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Speaker 1: four plan and I was really proud Budget East the team,

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Speaker 1: or then Budget East the team, and so we decided

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Speaker 1: to do something different. So there are the core members

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Speaker 1: of my team. Logan she's like the manager of all

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Speaker 1: things content and like are basically my main lead. There

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Speaker 1: is a Keisho project manager, and Carol who was like logistics.

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Speaker 1: And then we have Tajerry who what's our intern and

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Speaker 1: now she's like a part time contractor who does like

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Speaker 1: social media.

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Speaker 2: So those are like the four core. That's the four core,

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Speaker 2: and so I.

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Speaker 1: Said, let me do something different because this year I

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Speaker 1: have shifted my leadership model from where I used to leave,

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Speaker 1: from a place of detectiveness, where it's like I was

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Speaker 1: the mom and I never let the kids know that

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Speaker 1: sometimes we didn't have enough money for bread, I just

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Speaker 1: would go without, you know, and it was like.

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Speaker 2: Everything's fine, everything is just fine. That's how I used

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Speaker 2: to navigate.

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Speaker 1: Everybody was super happy, and I would do a raise

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Speaker 1: no matter what, and I would do bonuses no matter what,

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Speaker 1: like I never no matter what was happening.

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Speaker 4: On Baptistess Baby, I know.

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Speaker 3: I was like, I will manage distress. And I did

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Speaker 3: job well. I was managing it poorly.

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Speaker 1: And so this year I shifted because quite honestly, it

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Speaker 1: was a really tough financial year. We made just about

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Speaker 1: half me the year before, and I was like, I can't,

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Speaker 1: like I just couldn't afford to hide the secret anymore

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Speaker 1: that if we're having a hard time, because people were

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Speaker 1: expecting me to navigate in the same way, and so

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Speaker 1: finally I was like, let me tell you the books,

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Speaker 1: and they were like, oh, it's not as cute as

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Speaker 1: we thought. So all of a sudden, though, when I realized,

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Speaker 1: and this is what doctor Breene taught me, She's like,

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Speaker 1: you know, when you protect people, you know, detection only

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Speaker 1: makes sense if you really believe that the person or

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Speaker 1: child or whoever cannot handle the ramifications of the thing

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Speaker 1: you're protecting them from. So, like, you have kids, we're

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Speaker 1: obviously not gonna let Remy, you know, roll off the

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Speaker 1: bed because girl, you know, but you.

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Speaker 2: Might let Rio like run.

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Speaker 1: And have never done that, not intention but you might

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Speaker 1: let Rio run in the park and knowing like he

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Speaker 1: is going too fast, he's about to trip, but he'll

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Speaker 1: be all right because he'll learn like, all right, I

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Speaker 1: don't quite have the footwork necessary. And so she said

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Speaker 1: that we need to let like in those moments, you know,

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Speaker 1: Rio run in the park, like, okay, he can handle

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Speaker 1: the consequences of like learning the lesson. And so she said,

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Speaker 1: when you do that with your team, or you're telling yourself,

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Speaker 1: is these adult women cannot handle, you know, the consequences

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Speaker 1: of knowing like sometimes things are tight. And so she said,

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Speaker 1: do you really believe that to be true? And I

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Speaker 1: was like, I guess not. And so now you know,

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Speaker 1: doctor Green, Yeah, she's always being a whole business. I mean,

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Speaker 1: so finally, I mean, because he knows and just in general,

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Speaker 1: that's the place I navigate from like.

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Speaker 2: I'll take it. I'll do it. I'll be the sacrificial lamb.

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Speaker 2: And so son't you.

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Speaker 4: Just put like a chicken, the chicken leg or chicken.

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Speaker 2: Thought, Oh, I'll take the small piece of chicken.

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Speaker 4: Yeah, the small chicken. Yeah.

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Speaker 1: I always will sacrifice. Like if there's all this chicken

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Speaker 1: on the plate, I'll just wait till everybody eats. And

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Speaker 1: I'm like, I'll just take the small piece whatever's left over.

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Speaker 1: Matter of fact, I don't even like chicken. Guys, go

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Speaker 1: ahead and eat. I'll just start in the corner. I

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Speaker 1: like this year, we shifted that this year, and the

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Speaker 1: way that my team has like rose to like the occasion,

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Speaker 1: how brilliant they've been, how hard they've worked, how.

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Speaker 2: Creative, how innovative.

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Speaker 1: And I said, you mean to tell me all the

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Speaker 1: time this was accessible to me. And so as a result,

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Speaker 1: I said, how about this for twenty twenty four, let's

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Speaker 1: try something new. I want everyone to work in a

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Speaker 1: capacity that they really enjoy. I want everyone to lead

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Speaker 1: a project. So you know, all the things we do

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Speaker 1: here a budgeanisa, but maybe there's something new or old

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Speaker 1: or whatever. Pick a project that's going to be your project,

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Speaker 1: just one that you're going to be on the lead for,

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Speaker 1: and just one because you're going to need the support

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Speaker 1: of your other team members, but they'll also have their

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Speaker 1: own lead project. And I was like, you know, and

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Speaker 1: then you'll map out what it's going to look like

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Speaker 1: for the year, how much you think we can make,

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Speaker 1: you know, And so people they're really excited, like, oh,

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Speaker 1: this is my baby that I get to raise and

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Speaker 1: grow and look after, and I get to ask for

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Speaker 1: help with my business baby from their business aunties, like hey, look,

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Speaker 1: can can you help me with this component? Or hey

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Speaker 1: Akisha because right now sometimes they feel like they work

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Speaker 1: in a silo. So this will allow us that when

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Speaker 1: we have our company meetings to be like rapport out,

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Speaker 1: how's your baby growing, what do you need support with?

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Speaker 2: What are you struggling with?

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Speaker 1: So I've never done this before, so I'm actually excited

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Speaker 1: to see what happens when everyone has ownership fully of

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Speaker 1: a project and they're already really excited about it.

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Speaker 2: So that was an awesome way to kind of like

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Speaker 2: end the business year, you know, in that kind of way.

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Speaker 4: Yeah, so at the beginning of this year is when

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Speaker 4: you kind of sat them down and did that hole

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Speaker 4: or maybe last year and this and now you're kind of, oh.

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Speaker 1: No, no, we don't have no money. No, girl, I

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Speaker 1: didn't do that. We didn't have no money until like

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Speaker 1: Q three. That's why I was struggling.

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Speaker 2: But it was this year.

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Speaker 3: Yeah, maybe I was calling client to you, like girl,

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Speaker 3: we had Yeah, everybody's asking for a raise.

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Speaker 2: Remember that was like Q three.

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Speaker 4: I know you started getting a lot more exciting, excited

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Speaker 4: by the brown ambition.

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Speaker 2: Yeah, I was like, how was because I was like,

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Speaker 2: pay them no mind?

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Speaker 4: And now it's like, so how much.

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Speaker 1: Can I get some poor rich I mean because the

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Speaker 1: budgets was paying me now.

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Speaker 2: But I was yes and so like.

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Speaker 1: But it's good to have these conversation. I think everybody

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Speaker 1: thinks like that like that in business. Just because you've

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Speaker 1: had a great year, that means you always have a

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Speaker 1: great year. Like and I can share this because she

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Speaker 1: posted on social you know, the the woman Khalila You

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Speaker 1: ever heard of messing a bottle? She's got like that

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Speaker 1: awesome T shirt brand. Right, So she candidly posted on

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Speaker 1: on Instagram the other day that she just had a baby,

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Speaker 1: I think three months ago, and this was a really

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Speaker 1: hard year and she's like we made like next to

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Speaker 1: no money. And after like I think she's been in

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Speaker 1: business seven eight years of business, she's thinking about closing

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Speaker 1: it down. She's like, I don't I had to let

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Speaker 1: off everyone and I didn't know. I don't know what

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Speaker 1: to do. And she's just like this has been my baby,

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Speaker 1: but I can't do everything. I can't pick up the

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Speaker 1: merchandise also manufacture it and then ship and then my baby.

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Speaker 2: And she's just you could just tell it was a lot.

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Speaker 1: So I called her because I know Kalila, and we

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Speaker 1: just chat and I just I shared with her, I'm like,

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Speaker 1: this was my worst year yet since I probably started

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Speaker 1: the business, maybe the first two years. I shared, how

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Speaker 1: you know, like you know, I had to like cut,

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Speaker 1: I really didn't make any money. And she's like, wait

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Speaker 1: you I said, I think it's important and across the

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Speaker 1: board that you get to hear what business really looks like,

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Speaker 1: you know, And so sometimes there are years like this,

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Speaker 1: And I said, if I'm being all the way, Candon,

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Speaker 1: the reason why we survived is because during the pandemic,

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Speaker 1: when so many of us, like you know, made a

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Speaker 1: lot of money, I instinctively knew that it was not

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Speaker 1: going to last a long time. Like in my personal finances,

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Speaker 1: when I have financial abundance, I am like a squirrel

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Speaker 1: when it's the fall, I worked the hardest and I

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Speaker 1: save the most. So I read an article during the

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Speaker 1: pandemic that Microsoft had up their savings from like six

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Speaker 1: months to like one year's worth of operations expenses, and

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Speaker 1: I was like, at the time, my CFO, her name

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Speaker 1: was Shanta.

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Speaker 2: I said, Shanta, how many months do we have?

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Speaker 1: She said like two and a half, and I said, hmmm,

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Speaker 1: let's try to get us to six. So I got,

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Speaker 1: you know, our emergency savings to six months, and it

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Speaker 1: was there for like the last like two years. Just

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Speaker 1: sitting in this year, I'm so glad we did it

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Speaker 1: because we're down to one month of emergency savings, meaning

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Speaker 1: we didn't make enough to cover ourselves that had it

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Speaker 1: not been from emergency savings. We used five months of

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Speaker 1: it and it's now December.

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Speaker 2: If one month of.

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Speaker 1: Emergency savings left, and thankfully we made enough in December

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Speaker 1: not to tap into it. But if I had no

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Speaker 1: emergency savings, I don't know. I mean, I probably would

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Speaker 1: just have to give a personal loan from Tiffany to

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Speaker 1: the business and so I share that because like, I

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Speaker 1: don't care what they did be telling you until media

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Speaker 1: business is really hard and you can have this successful

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Speaker 1: business and everything is and do all the right things

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Speaker 1: and still have a year where you're like, it's we

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Speaker 1: gonna make it. It's we gonna make it, you know.

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Speaker 1: So if it had not been for that savings and

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Speaker 1: she was like Khalila.

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Speaker 2: Was like, why did you tell me? I was like,

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Speaker 2: I don't.

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Speaker 1: During that time frame, I wasn't thinking that. I just

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Speaker 1: I didn't think I was gonna have some terrible year

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Speaker 1: where I was gonna need to live off of savings.

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Speaker 1: I just thought, if Microsoft is doing it, why shouldn't we, you.

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Speaker 4: Know, yeah, oh why don't you tell her to save?

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Speaker 3: Well?

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Speaker 4: I mean also when you say not making any money,

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Speaker 4: like you have a staff, Like you have a team

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Speaker 4: too that you're paying for, and it's like you're making money,

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Speaker 4: but the overhead is not meaning though, like the overhead

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Speaker 4: is more than what you're bringing in, right, But if

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Speaker 4: it was like just yet.

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Speaker 2: So not yeah, we're making gift, we're making money.

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Speaker 3: Yes, yeah, let's keep it clean because you have to

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Speaker 3: pay for staff, I know, yeah, but yes meaning like yes,

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Speaker 3: but meaning yes, because our overhead, you know, is especially

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Speaker 3: like payroll was like a lot.

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Speaker 1: In comparison to like what we like what we bring in.

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Speaker 1: And I really didn't want to do pay cuts because

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Speaker 1: the truth of the matter is, like I used to

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Speaker 1: be able to say I pay like above and beyond

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Speaker 1: what was considered like a fair if fair was fifty.

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Speaker 1: We used paying sanfity, maybe even a hundred. And now

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Speaker 1: we like we fair out there, like so as we're doing.

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Speaker 4: A wage still like five dollars, like you.

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Speaker 1: Know, we want, you know, we fin because before it's

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Speaker 1: went all okay, But now I'm just like, the truth

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Speaker 1: is is that I you know, I was like, I

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Speaker 1: don't want to make payroll cuts because things have gotten

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Speaker 1: more expensive, and so I'm just like that just I

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Speaker 1: much rather figure it out some other way versus to say,

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Speaker 1: in order for us to stay alive, blah bah blah,

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Speaker 1: I got to do a twenty percent cut, and I'm like, yeah,

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Speaker 1: but like inflation has increased everything sometimes double, you know,

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Speaker 1: so that just wasn't an option, and so figuring out

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Speaker 1: different getting really clever about how do we make enough

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Speaker 1: to cover our expenses?

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Speaker 2: Thankfully we have savings.

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Speaker 1: The team got to see them and for twenty twenty four,

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Speaker 1: they know that there won't be any raises. It's looking

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Speaker 1: pretty decent already. We have a few contracts that are

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Speaker 1: signed and locked in. And then I said, instead of raises,

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Speaker 1: we're going to do this profit share every quarter where

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Speaker 1: whatever money's left over normally that's an owner's draw. Mandy

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Speaker 1: and I take an owner's draw from brand ambition every

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Speaker 1: month if if we've made money, which means here's how

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Speaker 1: much you made for the month, minus the expense is

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Speaker 1: to run the business.

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Speaker 2: This is what's left owner. As an owner, you can

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Speaker 2: draw down or withdraw it.

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Speaker 1: And so I told them instead of giving you a raise,

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Speaker 1: I will set aside twenty percent of what I would normally.

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Speaker 2: Draw out for you. So that way and then they

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Speaker 2: will they will.

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Speaker 1: I will divide that among the team based upon what

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Speaker 1: they currently makes an income. And so that's the way

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Speaker 1: that they'll get a bonus or raise without getting a raise,

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Speaker 1: because it allows me to give them more money only

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Speaker 1: when the company is profitable, you know. So it's like

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Speaker 1: never hurting go ahead.

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Speaker 4: Yeah, And I think that's such a great model as

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Speaker 4: a small business, because that's what you are. You're not

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Speaker 4: like a Google or Microsoft that just prints money all

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Speaker 4: the time, or you know, has all these enormous savings,

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Speaker 4: or it could just go get not that Microsoft and

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Speaker 4: Google needs to raise money, but you know these like

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Speaker 4: Silicon Valley darlings can just go ask some venture capital

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Speaker 4: for a one hundred million dollars. We haven't made it,

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Speaker 4: we haven't turned a profit in ten years, but give

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Speaker 4: us some money, we'll get there. And they're like, okay, anyway,

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Speaker 4: that's I and you've shared that before, and I just

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Speaker 4: think it's Yeah, it's really smart. It incentivizes them to

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Speaker 4: you know, have skin in the game right by having

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Speaker 4: skin in the game, but also gives you the flexibility

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Speaker 4: to not treat yourself like you know, a big tech

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Speaker 4: company or like a big you know, corporation when your

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Speaker 4: income is like a little bit more volatile because it's

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Speaker 4: the structure of the budget USTA.

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Speaker 1: And I think that, like, you know, you might be

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Speaker 1: listening if you have a business and like it might

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Speaker 1: not work for you, so you always want to find

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Speaker 1: solutions like and this might work this year.

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Speaker 2: This is a weird thing about business.

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Speaker 1: It's like I'm assuming, like raising kids, You're like, oh,

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Speaker 1: like what works for rio? And Remy's like, girl, you

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Speaker 1: try to it's something new over here, Like I don't

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Speaker 1: know him.

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Speaker 4: When I tell you my baby is crawling and he's

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Speaker 4: six months old. No, Well, I always love your transparency

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Speaker 4: and also it helps me. I mean it helps our

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Speaker 4: listeners too, Like wait a second, didn't they just say

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Speaker 4: this about the business, And like didn't they just say that,

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Speaker 4: you know, and this new thing and it's just like

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Speaker 4: you're just watching us live figure it out.

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Speaker 2: Yes, And I.

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Speaker 4: Feel a little bit, like really it's a relief to

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Speaker 4: I feel like I've finally grown up and like you

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Speaker 4: were my big cousin who I was like, oh, she

408
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Speaker 4: has everything figured out and all the things, and we

409
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Speaker 4: never really used to have in depth conversations about the business.

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Speaker 4: I just sort of like took for granted that and

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Speaker 4: Tiffany has everything figured out. But the more I've gotten

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Speaker 4: into it, you've been so even more transparent I feel

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Speaker 4: like about how things were going, and it helps so much. Yeah,

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Speaker 4: it helps. It really makes probably listeners, but certainly me

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Speaker 4: feel more normal, you know, just like, oh, this is

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Speaker 4: the way it can be sometimes.

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Speaker 1: Yeah, you know, you share a little bit with like

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Speaker 1: your friends who don't have businesses. But then when you

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Speaker 1: really have a business, because then you're like, now you're

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Speaker 1: able to process the fullness of like what it looks

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Speaker 1: like that no one's too successful to have a bad year,

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Speaker 1: no one's too big to fail, Like look at Seers,

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Speaker 1: look at Lord and Taylor. You know, like in the moment,

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Speaker 1: you really fully understand and respect the fact that your

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Speaker 1: business months to month, year to quarter to quarter really

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Speaker 1: requires like your eye on it, and so you know,

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Speaker 1: you put things in place for the times. That's a

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Speaker 1: huge lesson that I learned, is you have to put

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Speaker 1: things in place for the times when things are not good.

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Speaker 4: Well, a year ago we were celebrating. A year ago,

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Speaker 4: we were celebrating that you one point two million wents

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Speaker 4: of contracts, which was which actually happened. But the thing

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Speaker 4: about entrepreneurship is it's a contract, but is it like

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Speaker 4: fully executed?

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Speaker 1: You know what I fell through? They all fell through

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00:20:04,760 --> 00:20:06,200
Speaker 1: one not all of them. Well, no, that's not true.

437
00:20:06,200 --> 00:20:08,080
Speaker 1: I would say about half of them, because two of

438
00:20:08,080 --> 00:20:11,199
Speaker 1: the major companies were like, we ain't got it, you know,

439
00:20:11,520 --> 00:20:14,560
Speaker 1: and I just was like, wait, so that was that

440
00:20:14,720 --> 00:20:16,240
Speaker 1: was you? Remember you asked me like, but I thought

441
00:20:16,240 --> 00:20:18,840
Speaker 1: you said I'm my girl. They were verbal promises, we

442
00:20:18,880 --> 00:20:21,000
Speaker 1: want to work with you so much. I had contracts

443
00:20:21,000 --> 00:20:23,800
Speaker 1: with them the year before they said absolutely, and then

444
00:20:23,840 --> 00:20:26,000
Speaker 1: this year they either didn't have the money, didn't have

445
00:20:26,040 --> 00:20:28,919
Speaker 1: the capability, and so half of them went through, so

446
00:20:28,960 --> 00:20:31,640
Speaker 1: about six hundred thousand, you know, but the other half.

447
00:20:31,440 --> 00:20:33,399
Speaker 2: Were like, we'll see what next year looks like.

448
00:20:33,440 --> 00:20:40,480
Speaker 5: And I was like, okay, yeah, so you just never know,

449
00:20:40,520 --> 00:20:44,560
Speaker 5: because I mean, one point one point two it's more

450
00:20:44,560 --> 00:20:45,760
Speaker 5: than enough to cover all of our bills.

451
00:20:45,800 --> 00:20:47,200
Speaker 1: So I was like, at least our bills are covered.

452
00:20:47,240 --> 00:20:49,240
Speaker 1: That means we just looking at straight prop fit. But

453
00:20:49,400 --> 00:20:51,919
Speaker 1: next year, the next year was like, oh, look at

454
00:20:51,920 --> 00:20:55,320
Speaker 1: her celebrating early in the end zone before crossing whatever

455
00:20:55,440 --> 00:20:58,480
Speaker 1: football like you know, metaphor. I'm trying to make like

456
00:20:58,520 --> 00:21:01,920
Speaker 1: they tell you don't celebrate too soon. I was celebrating to.

457
00:21:04,280 --> 00:21:06,520
Speaker 4: But I also think it's like, it's such a good

458
00:21:06,640 --> 00:21:10,680
Speaker 4: also reminder to diversify, because that was heavily especially in them,

459
00:21:10,720 --> 00:21:14,479
Speaker 4: when you're all these influencers, especially ones who like you,

460
00:21:14,520 --> 00:21:18,480
Speaker 4: are getting speaking opportunities or a contract to yeah, to

461
00:21:18,560 --> 00:21:22,480
Speaker 4: speak or to partner with for a certain you know,

462
00:21:22,520 --> 00:21:25,760
Speaker 4: a certain length of time or a one time event

463
00:21:25,840 --> 00:21:30,199
Speaker 4: or whatever that that marketing budget is. So is so

464
00:21:30,400 --> 00:21:34,399
Speaker 4: the first thing to go when Yes, when times are

465
00:21:34,440 --> 00:21:38,640
Speaker 4: tough and yeah, it hurts, and then the other parts

466
00:21:38,640 --> 00:21:40,360
Speaker 4: of the business got to like sort of carry you.

467
00:21:41,000 --> 00:21:44,200
Speaker 4: And it's good. So I'm glad you're in front of

468
00:21:44,240 --> 00:21:47,240
Speaker 4: me because I'm also like, Okay, the speaking stuff is cute,

469
00:21:47,240 --> 00:21:49,400
Speaker 4: but I always think of that as my sprinkles. It's

470
00:21:49,400 --> 00:21:52,040
Speaker 4: not my cake, Like the cake has got to be

471
00:21:53,840 --> 00:21:55,080
Speaker 4: which puts more pressure on me.

472
00:21:56,560 --> 00:22:00,720
Speaker 1: What's the product of service that you produce out of

473
00:22:01,720 --> 00:22:05,040
Speaker 1: like what a brand can pay you, because with brands

474
00:22:05,080 --> 00:22:08,359
Speaker 1: it can sometimes be really feast or famine. You know

475
00:22:08,520 --> 00:22:10,800
Speaker 1: that if they rocking with you, you're like, eh, I'm

476
00:22:10,880 --> 00:22:12,840
Speaker 1: ranch And if they're not rocking with you, you're like, but wh.

477
00:22:12,960 --> 00:22:15,080
Speaker 2: I thought you told me always your favorite girl.

478
00:22:17,160 --> 00:22:19,560
Speaker 4: And it's a horrible feeling because this is no different

479
00:22:19,560 --> 00:22:21,800
Speaker 4: than working in corporate. I ain't trying to you know,

480
00:22:21,960 --> 00:22:24,080
Speaker 4: like I don't want to go back to that. I

481
00:22:24,080 --> 00:22:27,679
Speaker 4: feel like they own that's just too stressful for me.

482
00:22:28,000 --> 00:22:30,880
Speaker 1: Yes, so having your own and that's been if I'm

483
00:22:30,880 --> 00:22:33,440
Speaker 1: being all the way candidate, like the budget, the literature Academy,

484
00:22:34,200 --> 00:22:35,160
Speaker 1: I figured out.

485
00:22:34,960 --> 00:22:36,000
Speaker 2: This is the business model.

486
00:22:36,080 --> 00:22:38,720
Speaker 1: We don't get any corporate money for unless somebody like sponsors,

487
00:22:38,800 --> 00:22:42,879
Speaker 1: like people, so we make money from us internally. But

488
00:22:42,920 --> 00:22:46,560
Speaker 1: the budgetistas, like I've been really struggling, like what's the

489
00:22:46,600 --> 00:22:48,160
Speaker 1: business I'm in because I used to be like, it's

490
00:22:48,160 --> 00:22:50,879
Speaker 1: the business of Tiffany, right I speak, I teach him

491
00:22:50,920 --> 00:22:53,960
Speaker 1: books and whatever. But I'm like that's not sustainable because

492
00:22:54,160 --> 00:22:56,600
Speaker 1: I don't always want to dance for a dollar. So

493
00:22:56,840 --> 00:22:59,320
Speaker 1: that's been the question what is the business that the

494
00:22:59,359 --> 00:23:03,760
Speaker 1: budget needs to in And I have been really ruminating

495
00:23:03,800 --> 00:23:06,880
Speaker 1: all that all year, and I have some ideas like, well,

496
00:23:06,920 --> 00:23:09,800
Speaker 1: we're in the business of like community. We're in the

497
00:23:09,840 --> 00:23:11,600
Speaker 1: business like I know community is part of it. I'm

498
00:23:11,640 --> 00:23:14,399
Speaker 1: still trying to figure out to get really clear so

499
00:23:14,440 --> 00:23:17,520
Speaker 1: we know what products and services to create just for

500
00:23:17,560 --> 00:23:19,840
Speaker 1: budget Nista, because I can't have a year like this

501
00:23:19,920 --> 00:23:22,240
Speaker 1: now where someone can say here's six hundred thousand psych

502
00:23:22,320 --> 00:23:25,120
Speaker 1: thought you had a contract, Like we can't. I can't

503
00:23:25,119 --> 00:23:27,640
Speaker 1: play that game again. So we have some opportunities coming

504
00:23:27,760 --> 00:23:29,840
Speaker 1: up to help us kind of like have some our

505
00:23:29,880 --> 00:23:32,760
Speaker 1: own internal product services and things like that.

506
00:23:32,840 --> 00:23:34,720
Speaker 2: But yeah, that it taught me like.

507
00:23:34,760 --> 00:23:38,639
Speaker 1: Okay, you have to get clear if you are, especially

508
00:23:38,720 --> 00:23:42,080
Speaker 1: if you are you are the business, like you know,

509
00:23:42,400 --> 00:23:44,359
Speaker 1: like that's why I love what you're doing with Mandy

510
00:23:44,359 --> 00:23:47,040
Speaker 1: money Makers, right, and so you've gotten really good at

511
00:23:47,040 --> 00:23:49,800
Speaker 1: like I help women how to negotiate, I coach I

512
00:23:49,840 --> 00:23:53,199
Speaker 1: you know, I am, you have your digital products, you

513
00:23:53,240 --> 00:23:56,320
Speaker 1: have your community, you know, versus it just be like

514
00:23:56,720 --> 00:23:59,879
Speaker 1: I'm in the business of showing up as Mandy, you know.

515
00:24:00,119 --> 00:24:02,960
Speaker 1: I mean so because it could be easily that because

516
00:24:03,000 --> 00:24:06,199
Speaker 1: I don't have a like I mean, yes, I have

517
00:24:06,200 --> 00:24:07,680
Speaker 1: these books and stuff like that, but like you know

518
00:24:07,680 --> 00:24:09,320
Speaker 1: what I mean, like I don't have like a budget

519
00:24:09,359 --> 00:24:10,200
Speaker 1: needs to product.

520
00:24:10,520 --> 00:24:11,240
Speaker 2: Does that make sense?

521
00:24:11,280 --> 00:24:14,360
Speaker 4: Do you really look at Literature Academy separately from Budget. Yeah,

522
00:24:14,359 --> 00:24:16,000
Speaker 4: it is two separate companies almost like this.

523
00:24:16,960 --> 00:24:19,920
Speaker 2: Yeah, it's like broad Ambition. Yeah. And I'm glad you.

524
00:24:19,840 --> 00:24:22,000
Speaker 4: Said know that, Like you started the Patreon and it

525
00:24:22,040 --> 00:24:23,679
Speaker 4: was like already a six figure.

526
00:24:23,400 --> 00:24:25,240
Speaker 2: Business of yes, yeah, so the but that's what I

527
00:24:25,240 --> 00:24:25,639
Speaker 2: was learning.

528
00:24:25,640 --> 00:24:27,600
Speaker 1: That's why I started the Patreon, because I said, what

529
00:24:27,720 --> 00:24:30,399
Speaker 1: does Tiffany And so that's why I said, huh, maybe

530
00:24:30,440 --> 00:24:34,360
Speaker 1: you're in the business of communities because I started Patreon,

531
00:24:34,640 --> 00:24:37,320
Speaker 1: And yes, it is a six figure like business within

532
00:24:37,359 --> 00:24:40,320
Speaker 1: the business of Budgetista. So I'm like, well, what are

533
00:24:40,359 --> 00:24:42,719
Speaker 1: the ways can I monetize community? So this I'm literally

534
00:24:42,760 --> 00:24:45,439
Speaker 1: I'm I'm processing as i'm talking because these are the

535
00:24:45,520 --> 00:24:49,480
Speaker 1: questions I'm still asking myself, you know, because you will

536
00:24:49,560 --> 00:24:52,119
Speaker 1: just make yourself crazy and exhausted if you don't get clear.

537
00:24:52,600 --> 00:24:55,239
Speaker 1: And I'm still trying to really get clear that like

538
00:24:55,560 --> 00:24:58,439
Speaker 1: other than Tiffany being the product, because that's what it

539
00:24:58,480 --> 00:25:01,760
Speaker 1: is essentially right now, I am the prom right what

540
00:25:01,840 --> 00:25:04,840
Speaker 1: other product do we have or service do we have?

541
00:25:05,280 --> 00:25:09,360
Speaker 2: And I'm like, okay, so you'll see.

542
00:25:08,680 --> 00:25:13,000
Speaker 4: What free on your tree. Though I know it's almost

543
00:25:13,040 --> 00:25:15,800
Speaker 4: like your problems. I hear, not your problems, but like

544
00:25:15,800 --> 00:25:18,399
Speaker 4: the challenges you're facing. I'm hearing you. But I'm also like,

545
00:25:18,960 --> 00:25:22,120
Speaker 4: there's no scenario in which you are still not successful

546
00:25:22,119 --> 00:25:25,520
Speaker 4: because you focused on the most important aspect of business first,

547
00:25:25,520 --> 00:25:30,439
Speaker 4: which is building trust, faith, you know, and reliability, Like

548
00:25:30,480 --> 00:25:34,000
Speaker 4: building that trust with your community, authority, you know, your authority,

549
00:25:34,040 --> 00:25:36,080
Speaker 4: the fact that you've always shown up for them, the

550
00:25:36,080 --> 00:25:39,399
Speaker 4: fact that they love you so much you know, and

551
00:25:39,640 --> 00:25:43,280
Speaker 4: trust you and show up for you, and they and

552
00:25:43,400 --> 00:25:46,119
Speaker 4: they and they you know, the dream cutcher chapters. You

553
00:25:46,160 --> 00:25:49,000
Speaker 4: had the walk that you did, the wealth walks, you

554
00:25:49,000 --> 00:25:52,600
Speaker 4: know what I mean. So I'm not even I mean,

555
00:25:52,640 --> 00:25:54,160
Speaker 4: I know you're like, I still gotta do the work.

556
00:25:54,160 --> 00:25:56,879
Speaker 4: But as far as me, I'm just like, oh, I

557
00:25:56,960 --> 00:25:58,760
Speaker 4: feel I mean, it's easy for me to say because

558
00:25:58,760 --> 00:26:01,240
Speaker 4: I'm not in it with you in it, but I

559
00:26:01,320 --> 00:26:03,879
Speaker 4: have so much faith. I mean, you're you're fine, Like

560
00:26:03,880 --> 00:26:06,640
Speaker 4: you're going to be great in this pivot that you're

561
00:26:06,720 --> 00:26:10,200
Speaker 4: going into because of the last decade that you've spent

562
00:26:10,400 --> 00:26:13,040
Speaker 4: focusing on the right things, and I like, I commend

563
00:26:13,040 --> 00:26:15,919
Speaker 4: you for that, and I also try to also like

564
00:26:15,960 --> 00:26:19,560
Speaker 4: I think about you like a little you know, I

565
00:26:19,760 --> 00:26:22,000
Speaker 4: want to say tiny elf, heal.

566
00:26:21,960 --> 00:26:22,760
Speaker 2: For the shelf.

567
00:26:24,240 --> 00:26:27,840
Speaker 4: About on my shoulder, but I think about the people,

568
00:26:27,960 --> 00:26:30,239
Speaker 4: think about the people, what do they need? Focus on us?

569
00:26:30,480 --> 00:26:32,439
Speaker 1: And that's what goodness. But I'm excited to shack, you know.

570
00:26:32,480 --> 00:26:33,920
Speaker 1: I love to be like Manny, I think I figured

571
00:26:33,920 --> 00:26:37,480
Speaker 1: it out and edy work. Oh I'm trying so But

572
00:26:37,520 --> 00:26:40,160
Speaker 1: to your point, I do feel fairly confident that whatever

573
00:26:40,200 --> 00:26:41,720
Speaker 1: it is will be fine.

574
00:26:41,880 --> 00:26:43,720
Speaker 2: But I'm just mindful.

575
00:26:44,040 --> 00:26:46,280
Speaker 1: You always have to be mindful of the money, obviously,

576
00:26:46,320 --> 00:26:48,080
Speaker 1: because I'm just like I want to make sure then

577
00:26:48,720 --> 00:26:51,760
Speaker 1: as I'm navigating, even if it means making less for

578
00:26:51,800 --> 00:26:55,160
Speaker 1: the next year or two, that you know, we're always

579
00:26:55,200 --> 00:26:58,560
Speaker 1: covering costs, and so I don't mind bush you I

580
00:26:58,560 --> 00:27:03,639
Speaker 1: don't mind having years if it benefits the longer growth strategy.

581
00:27:04,119 --> 00:27:04,840
Speaker 2: But you know what I mean.

582
00:27:04,880 --> 00:27:06,920
Speaker 1: So I'm just like, okay, as long as I'm always

583
00:27:06,960 --> 00:27:08,840
Speaker 1: keeping eye on costs, like what can we do to

584
00:27:08,880 --> 00:27:11,440
Speaker 1: reduce them? Every year we do an annual audit of

585
00:27:11,520 --> 00:27:14,120
Speaker 1: all of our expenses and to say do we need this,

586
00:27:14,119 --> 00:27:16,879
Speaker 1: this is too much? Can we renegotiate with that contractor

587
00:27:17,320 --> 00:27:19,760
Speaker 1: can we pay less here? Can we pay for this

588
00:27:19,840 --> 00:27:21,920
Speaker 1: for the year so we can get twenty percent off.

589
00:27:21,960 --> 00:27:24,439
Speaker 1: You know, you pay like a monthly for whatever like

590
00:27:24,640 --> 00:27:26,439
Speaker 1: tool or resource like ooh, can we pay that for

591
00:27:26,480 --> 00:27:29,320
Speaker 1: the year. So these are the types of things that

592
00:27:29,400 --> 00:27:32,480
Speaker 1: you know, I'm always keeping an eye. Like a good

593
00:27:32,760 --> 00:27:38,359
Speaker 1: owner and founder and CEO understands that you're the money

594
00:27:38,359 --> 00:27:40,960
Speaker 1: in the business is literally the life's blood of the business.

595
00:27:40,960 --> 00:27:42,560
Speaker 2: I don't care how smart you are.

596
00:27:42,560 --> 00:27:45,480
Speaker 1: I have brillier and you are on anything that if

597
00:27:45,520 --> 00:27:48,199
Speaker 1: you don't have money flowing through the business, then the

598
00:27:48,200 --> 00:27:51,679
Speaker 1: business will atrophy and die, you know, and so like,

599
00:27:51,760 --> 00:27:53,960
Speaker 1: I mean we've seen it, like, you know, people go

600
00:27:54,040 --> 00:27:57,280
Speaker 1: bankrupt even though they have this amazing idea, and so like,

601
00:27:57,359 --> 00:27:59,240
Speaker 1: it's not enough to be good at a thing. It's

602
00:27:59,280 --> 00:28:03,040
Speaker 1: also like, Okay, what's the money looking like? What decisions

603
00:28:03,080 --> 00:28:05,200
Speaker 1: can I make to make sure that the.

604
00:28:05,119 --> 00:28:06,600
Speaker 2: Flow the flow keeps flooding?

605
00:28:06,640 --> 00:28:09,520
Speaker 1: And so yeah, one thing I think one of my

606
00:28:09,560 --> 00:28:12,879
Speaker 1: superpowers is like, I don't mind being transparent, and so

607
00:28:13,200 --> 00:28:14,960
Speaker 1: I will always ask the question, I'm like, well, how

608
00:28:15,000 --> 00:28:16,960
Speaker 1: are you doing it? I will expose everything. I'm like,

609
00:28:17,080 --> 00:28:18,880
Speaker 1: so here are all the ways that we're making mistakes

610
00:28:18,880 --> 00:28:20,320
Speaker 1: and have challenges.

611
00:28:21,200 --> 00:28:24,960
Speaker 4: You know, I can't stand how boring, how impossible would

612
00:28:25,000 --> 00:28:28,359
Speaker 4: this show be if we weren't transparent. How impossible would

613
00:28:28,359 --> 00:28:32,960
Speaker 4: it be the stress of faking it, you know, or

614
00:28:33,000 --> 00:28:36,439
Speaker 4: putting on a front, you know, feeling So it just

615
00:28:36,440 --> 00:28:39,080
Speaker 4: feels so safe here, even though we're talking to each

616
00:28:39,080 --> 00:28:41,280
Speaker 4: other and we have a bunch of people listening, it

617
00:28:41,400 --> 00:28:43,720
Speaker 4: just feels safe, like, and that's what Bryan Ambition is

618
00:28:43,720 --> 00:28:45,760
Speaker 4: all about. I'm just so damn proud of the show

619
00:28:45,800 --> 00:28:48,280
Speaker 4: and proud of us, and I think that's why people

620
00:28:48,320 --> 00:28:51,040
Speaker 4: keep rocking with us, because it's so boring. You don't

621
00:28:51,080 --> 00:28:53,120
Speaker 4: want the heroin to win on the first episode.

622
00:28:53,360 --> 00:28:56,440
Speaker 2: Yeah, I mean they hold on. Picture is they gonna

623
00:28:56,440 --> 00:28:56,640
Speaker 2: make it?

624
00:28:57,000 --> 00:29:01,720
Speaker 4: Oh? I want to be the great He's anatomy of podcasts.

625
00:29:01,240 --> 00:29:01,440
Speaker 1: You know what.

626
00:29:01,480 --> 00:29:05,200
Speaker 2: I'm like, wait, you still a tounchred thousand.

627
00:29:05,240 --> 00:29:07,880
Speaker 3: I was worth the contract I did, and one of

628
00:29:07,920 --> 00:29:10,440
Speaker 3: them was because I wanted more money.

629
00:29:10,480 --> 00:29:11,960
Speaker 1: So I pushed for more because I was feeling myself.

630
00:29:12,000 --> 00:29:13,520
Speaker 1: They were like, girl, you trying to We'll pick somebody else.

631
00:29:13,560 --> 00:29:15,480
Speaker 1: I was like, well, go ahead, and they did. And

632
00:29:15,560 --> 00:29:20,160
Speaker 1: I was like, oh, I was trying to coach.

633
00:29:20,800 --> 00:29:22,680
Speaker 4: I was like, maybe sometimes that happens.

634
00:29:23,160 --> 00:29:25,880
Speaker 2: It does. It does. And I was like, you should

635
00:29:25,880 --> 00:29:26,400
Speaker 2: feel my face.

636
00:29:27,480 --> 00:29:29,800
Speaker 4: Girls, follow the higher you you reach.

637
00:29:29,840 --> 00:29:31,160
Speaker 1: I mean, it wasn't a little bit of money, and

638
00:29:31,200 --> 00:29:33,040
Speaker 1: like you know, they were offering me like I don't know,

639
00:29:33,040 --> 00:29:34,880
Speaker 1: maybe three four hundred thousands. It wasn't like oh, but

640
00:29:34,960 --> 00:29:36,600
Speaker 1: I was like, no, I think I'm worth this and

641
00:29:36,680 --> 00:29:38,600
Speaker 1: I still do. And here's the thing.

642
00:29:38,640 --> 00:29:41,000
Speaker 2: They had it. Don't blame me, they had it. But

643
00:29:41,040 --> 00:29:42,960
Speaker 2: I was just like so when they were like yeah, okay,

644
00:29:43,640 --> 00:29:44,520
Speaker 2: I was like, oh, okay.

645
00:29:44,640 --> 00:29:46,040
Speaker 1: And then here's in the beginning of the year I

646
00:29:46,120 --> 00:29:47,920
Speaker 1: was feeling myself. I said, because we still have plenty

647
00:29:47,920 --> 00:29:50,200
Speaker 1: of money, and then we didn't, and then they start

648
00:29:50,200 --> 00:29:51,960
Speaker 1: thinking like, I'm not gonna lie.

649
00:29:51,960 --> 00:29:53,960
Speaker 2: I went back. I was like, hey, boom, hey, big head,

650
00:29:54,040 --> 00:29:56,160
Speaker 2: how you doing it? You still.

651
00:29:58,320 --> 00:29:59,080
Speaker 4: That was tough.

652
00:29:59,640 --> 00:30:00,800
Speaker 2: I had I ring the X.

653
00:30:00,680 --> 00:30:03,280
Speaker 1: Back up was like and they were like, girl, I

654
00:30:03,280 --> 00:30:04,719
Speaker 1: thought you say you was cute outside.

655
00:30:04,720 --> 00:30:07,200
Speaker 2: I was like, I did, I lied, but they still

656
00:30:07,240 --> 00:30:07,680
Speaker 2: said no.

657
00:30:08,120 --> 00:30:11,640
Speaker 1: It was the best no ever though, because had they

658
00:30:11,720 --> 00:30:14,480
Speaker 1: come through, if I had I taken that money, it

659
00:30:14,520 --> 00:30:17,480
Speaker 1: would have made us complacent. There were so many internal

660
00:30:17,560 --> 00:30:21,040
Speaker 1: leadership decisions that I needed to make that I didn't

661
00:30:21,080 --> 00:30:24,000
Speaker 1: realize were critical decisions until my back was against the wall.

662
00:30:24,920 --> 00:30:26,520
Speaker 2: You know, I would not have stepped up.

663
00:30:26,560 --> 00:30:30,320
Speaker 1: I would still would have been like that parental leader

664
00:30:30,400 --> 00:30:32,800
Speaker 1: that like everything is fine. The team would not have

665
00:30:32,840 --> 00:30:34,760
Speaker 1: been forced to step up. I would not have been

666
00:30:34,760 --> 00:30:36,840
Speaker 1: forced to step up with a different way to navigate

667
00:30:37,080 --> 00:30:38,200
Speaker 1: payment and finances.

668
00:30:38,200 --> 00:30:39,120
Speaker 2: And so it was.

669
00:30:39,240 --> 00:30:40,960
Speaker 1: That was the best, and honestly, when I say it

670
00:30:41,040 --> 00:30:42,640
Speaker 1: was the best four or five hundred thousand that I

671
00:30:42,680 --> 00:30:45,680
Speaker 1: missed out on because it forced us to grow and

672
00:30:45,720 --> 00:30:49,040
Speaker 1: as a result, like you know, we'll probably two or

673
00:30:49,080 --> 00:30:51,400
Speaker 1: three x what we made the year before. And so

674
00:30:51,920 --> 00:30:54,000
Speaker 1: I'm grateful for that, no, because it taught me one,

675
00:30:54,120 --> 00:30:55,959
Speaker 1: It like really humbled me, like, girl, you ain't too

676
00:30:56,000 --> 00:30:58,560
Speaker 1: cute to say no, do you know? And then too,

677
00:30:58,680 --> 00:31:01,040
Speaker 1: it just it forced my hand and to like elevate

678
00:31:01,080 --> 00:31:01,720
Speaker 1: and girl.

679
00:31:02,600 --> 00:31:04,560
Speaker 4: You're not going to stop negotiating though, just because.

680
00:31:04,440 --> 00:31:05,320
Speaker 2: No, no, no, I'm not a girl.

681
00:31:05,880 --> 00:31:08,840
Speaker 1: I totally yeah, because I'm like, now, because don't let me,

682
00:31:09,320 --> 00:31:10,960
Speaker 1: don't let me get my product off the grand or

683
00:31:11,000 --> 00:31:14,920
Speaker 1: whatever we're gonna build, because that is like, I'm sorry, that.

684
00:31:15,000 --> 00:31:16,880
Speaker 4: Is what I struggle with. I know we need to

685
00:31:17,080 --> 00:31:23,480
Speaker 4: I know you said twenty minutes, we tried it. We

686
00:31:23,600 --> 00:31:25,720
Speaker 4: tried it. Don't Mari, I'll do one of the qwa's myself.

687
00:31:25,760 --> 00:31:28,400
Speaker 4: But yeah, like that's what I That's what I grapple

688
00:31:28,440 --> 00:31:31,680
Speaker 4: with all the time is I'm inspiring women to ask

689
00:31:31,760 --> 00:31:34,440
Speaker 4: for more, but I can't just leave them there. I

690
00:31:34,600 --> 00:31:38,880
Speaker 4: have to also teach them how to keep asking for

691
00:31:38,960 --> 00:31:42,680
Speaker 4: more when the answer is no, not yet, or yeah,

692
00:31:42,880 --> 00:31:45,040
Speaker 4: oh we changed our mind, or you're not ready yet.

693
00:31:45,080 --> 00:31:49,000
Speaker 4: And those moments are the real difficult part. You know,

694
00:31:49,080 --> 00:31:51,240
Speaker 4: it's not always going to be a I asked for

695
00:31:51,280 --> 00:31:54,920
Speaker 4: more than I got it. Yeah, it's you're right, it's

696
00:31:54,960 --> 00:31:56,480
Speaker 4: you may know your worth, but then it's like, what

697
00:31:56,600 --> 00:31:58,680
Speaker 4: do they How do they see your worth? There's always

698
00:31:58,760 --> 00:32:02,040
Speaker 4: other factors at play, and how do you stay tall?

699
00:32:02,240 --> 00:32:05,800
Speaker 4: Stand tall through that and keep pushing? And yeah, thank

700
00:32:05,840 --> 00:32:11,240
Speaker 4: you again. Your transparency is golden and always always teaching,

701
00:32:11,280 --> 00:32:13,840
Speaker 4: always learning through the ups and downs. That's what it's

702
00:32:13,880 --> 00:32:15,760
Speaker 4: all about. So you guys are lucky.

703
00:32:16,000 --> 00:32:16,360
Speaker 2: You guys.

704
00:32:16,400 --> 00:32:18,640
Speaker 4: Are you found the right place? If you want real talk?

705
00:32:19,120 --> 00:32:21,880
Speaker 2: Yes, what a good way to close out.

706
00:32:22,400 --> 00:32:25,040
Speaker 4: Yeah, what's been a really I know, ups and downs,

707
00:32:25,080 --> 00:32:28,400
Speaker 4: but what a wild year. My gosh, my gosh. I'm

708
00:32:28,400 --> 00:32:29,280
Speaker 4: really proud of you though.

709
00:32:29,640 --> 00:32:33,200
Speaker 1: So our final episode, we're gonna throw the break real

710
00:32:33,280 --> 00:32:36,520
Speaker 1: quick and we're gonna come back with the boosty breaky

711
00:32:36,720 --> 00:32:45,120
Speaker 1: for that behind. We're bad and now it's time to

712
00:32:45,600 --> 00:32:48,680
Speaker 1: boost up, break up, boost up, break off, booster break

713
00:32:48,720 --> 00:32:50,400
Speaker 1: gop boost Are you gonna boost?

714
00:32:51,640 --> 00:32:56,120
Speaker 2: Are you gonna break? What you're gonna do? What's you

715
00:32:56,200 --> 00:33:04,800
Speaker 2: gonna take? I I was talking about that. Can I

716
00:33:04,800 --> 00:33:07,200
Speaker 2: go first?

717
00:33:07,240 --> 00:33:07,560
Speaker 4: You can?

718
00:33:07,720 --> 00:33:08,880
Speaker 2: I'm gonna do a boost.

719
00:33:08,960 --> 00:33:10,840
Speaker 1: I always liked Brown and Bishon, but I want to

720
00:33:10,880 --> 00:33:13,160
Speaker 1: say I feel like maybe this year I fell in love,

721
00:33:14,440 --> 00:33:18,320
Speaker 1: you know, like it's just been for real, Like it's

722
00:33:18,320 --> 00:33:20,600
Speaker 1: not that I've never loved, but obviously I'm here, but

723
00:33:20,720 --> 00:33:22,240
Speaker 1: like I don't know something about this year.

724
00:33:22,240 --> 00:33:24,000
Speaker 2: Maybe it's because I need the money was here for me.

725
00:33:27,240 --> 00:33:28,160
Speaker 4: I think it's us.

726
00:33:28,440 --> 00:33:33,280
Speaker 1: I think it's just I will say that that. Yes,

727
00:33:33,400 --> 00:33:35,080
Speaker 1: I mean many might have always been friends because we

728
00:33:35,120 --> 00:33:38,120
Speaker 1: started off brand ambition as like friends, but you know,

729
00:33:38,160 --> 00:33:38,880
Speaker 1: we've just seen.

730
00:33:38,840 --> 00:33:41,720
Speaker 4: Enough friends as like we were. I think it was

731
00:33:41,760 --> 00:33:44,080
Speaker 4: a perfect not to take over your boost.

732
00:33:43,800 --> 00:33:45,000
Speaker 2: But it go ahead, go ahead.

733
00:33:46,400 --> 00:33:48,520
Speaker 4: But I always say the best thing about us is

734
00:33:48,560 --> 00:33:51,640
Speaker 4: with our business is like we were more like we

735
00:33:51,720 --> 00:33:55,000
Speaker 4: treated as business partners first, and we weren't such good

736
00:33:55,080 --> 00:33:58,480
Speaker 4: friends that we thought we'd get away with stuff, you

737
00:33:58,560 --> 00:34:01,120
Speaker 4: know what I mean, Like, yeah, owed up business first.

738
00:34:01,200 --> 00:34:03,280
Speaker 4: And for a long time it was more like that

739
00:34:03,400 --> 00:34:05,440
Speaker 4: kind of relationship. We only talked on the show and

740
00:34:05,520 --> 00:34:07,880
Speaker 4: you know, and I think in the past few years, yeah,

741
00:34:07,880 --> 00:34:10,800
Speaker 4: it has shifted and now it's like we get to

742
00:34:10,840 --> 00:34:13,320
Speaker 4: be besties and also enjoy.

743
00:34:13,200 --> 00:34:17,040
Speaker 2: I've becoming to her house and there, and so like, no,

744
00:34:17,160 --> 00:34:17,719
Speaker 2: I think you're right.

745
00:34:17,760 --> 00:34:20,120
Speaker 1: I think that's what it is, is that our personal

746
00:34:20,160 --> 00:34:24,279
Speaker 1: relationship have just gotten more robust and stronger. And so

747
00:34:24,400 --> 00:34:27,279
Speaker 1: as a result, like I love Brown and Vision even

748
00:34:27,280 --> 00:34:29,439
Speaker 1: more because I love Mandy's so much even more.

749
00:34:30,719 --> 00:34:32,240
Speaker 2: So, yeah, I mean we get to see Beyonce.

750
00:34:32,440 --> 00:34:35,000
Speaker 1: I mean I don't I feel like that's solidified, like, oh,

751
00:34:35,600 --> 00:34:36,040
Speaker 1: like this.

752
00:34:36,000 --> 00:34:41,120
Speaker 2: Is my friend. And so I just want to boost.

753
00:34:40,960 --> 00:34:42,839
Speaker 4: Got to have high highs and low lows with your

754
00:34:42,880 --> 00:34:43,640
Speaker 4: good friends, right.

755
00:34:43,600 --> 00:34:45,960
Speaker 1: Yeah, you do, you do, and so you get to

756
00:34:46,000 --> 00:34:47,800
Speaker 1: really see like what the stuff that they made of.

757
00:34:47,880 --> 00:34:50,600
Speaker 1: So I just want to boost a brown ambition and

758
00:34:51,560 --> 00:34:53,520
Speaker 1: I want to boost well, I'm I actually want to

759
00:34:53,520 --> 00:34:57,080
Speaker 1: ask for help because I have decided that I need

760
00:34:57,080 --> 00:34:59,960
Speaker 1: something to like I'm realizing that like I love it

761
00:35:00,120 --> 00:35:02,160
Speaker 1: outside and I think I want to run or one

762
00:35:02,360 --> 00:35:05,239
Speaker 1: a five k. There's about three miles, right were the

763
00:35:05,280 --> 00:35:07,799
Speaker 1: five ks? So I've never point to three point two

764
00:35:07,840 --> 00:35:09,879
Speaker 1: is I've never run a five k before? Just run

765
00:35:09,920 --> 00:35:12,200
Speaker 1: in general, just you know, life, little brisk walk. And

766
00:35:12,280 --> 00:35:14,319
Speaker 1: so I'm doctor Green has taught me, like, you know,

767
00:35:14,360 --> 00:35:15,880
Speaker 1: put a plan on the calendar. So I want to

768
00:35:15,920 --> 00:35:19,000
Speaker 1: put I want to find one in the spring. And

769
00:35:19,120 --> 00:35:23,359
Speaker 1: so I need a like an app that's gonna help

770
00:35:23,400 --> 00:35:26,239
Speaker 1: someone who has no experience to get ready for a

771
00:35:26,280 --> 00:35:27,520
Speaker 1: five K you know what I mean. I know that

772
00:35:27,520 --> 00:35:30,520
Speaker 1: there's a couch to couch to five K but whatever app,

773
00:35:30,520 --> 00:35:32,879
Speaker 1: and you know, just at me at the budgetista.

774
00:35:32,320 --> 00:35:35,040
Speaker 4: Whatever, and you have a couch to five K person.

775
00:35:35,160 --> 00:35:36,760
Speaker 2: Well, child, you ain't seeing these knees.

776
00:35:38,080 --> 00:35:39,759
Speaker 4: So but you walk for a long time.

777
00:35:39,960 --> 00:35:42,360
Speaker 1: I do, I do, but still you know me, I'm like,

778
00:35:42,760 --> 00:35:44,680
Speaker 1: I'm a slow and steady wins race. So I would

779
00:35:44,719 --> 00:35:47,560
Speaker 1: like a beginner's app that liken, you know, in like

780
00:35:47,680 --> 00:35:49,600
Speaker 1: you know, nine weeks, twelve weeks, whatever. It gets me

781
00:35:49,760 --> 00:35:52,120
Speaker 1: like ready for five K. But that's also interesting and

782
00:35:52,200 --> 00:35:54,239
Speaker 1: kind of fun. So if you have a suggestion, if

783
00:35:54,239 --> 00:35:56,520
Speaker 1: it costs money, that's fine. If you have a suggestion

784
00:35:56,600 --> 00:35:59,280
Speaker 1: for an app, because I do, I'm gonna I'm gonna

785
00:36:00,040 --> 00:36:02,000
Speaker 1: remember we had Brandi's on and so I'm taking the

786
00:36:02,000 --> 00:36:06,400
Speaker 1: advice of one of our guests on Brown Ambison brandis

787
00:36:06,480 --> 00:36:09,520
Speaker 1: Daniel from HFR. Remember I said that one of the

788
00:36:09,560 --> 00:36:12,000
Speaker 1: things I most admire about you and Brandis is that

789
00:36:12,040 --> 00:36:15,520
Speaker 1: you guys are both great executors. And I asked the question,

790
00:36:16,400 --> 00:36:18,640
Speaker 1: what is a tip you can get for executing? And

791
00:36:18,719 --> 00:36:22,160
Speaker 1: she said, pick a date then make it public and

792
00:36:22,200 --> 00:36:24,200
Speaker 1: so I'm gonna look for five K. I'm gonna look

793
00:36:24,200 --> 00:36:25,759
Speaker 1: for five K for I'm gonna look for one, and

794
00:36:25,800 --> 00:36:27,480
Speaker 1: then in the new year, I'm gonna make it public

795
00:36:27,520 --> 00:36:29,520
Speaker 1: with y'all. And then that way I can be like,

796
00:36:29,560 --> 00:36:31,440
Speaker 1: you know, cause I you know, I'm gonna be like,

797
00:36:32,520 --> 00:36:33,439
Speaker 1: how's a five K going?

798
00:36:33,520 --> 00:36:34,800
Speaker 2: Huh?

799
00:36:34,960 --> 00:36:38,880
Speaker 4: So there's so many five ks you're gonna have no

800
00:36:38,920 --> 00:36:42,919
Speaker 4: problem finding. My mistake was, Yeah, my mistake was making

801
00:36:42,960 --> 00:36:45,399
Speaker 4: a ten k my goal for next summer. And even

802
00:36:45,400 --> 00:36:47,600
Speaker 4: though I said I'm giving myself a break, I'm gonna

803
00:36:47,640 --> 00:36:49,680
Speaker 4: run that ten k okay, because I said I was

804
00:36:49,680 --> 00:36:52,880
Speaker 4: gonna do it, and it's locked in Okay, damn it.

805
00:36:53,320 --> 00:36:54,840
Speaker 1: I'm like, no, no, I'm not ready for nobody's tank k.

806
00:36:54,920 --> 00:36:57,239
Speaker 1: I'm not my Ney but a five kmixen girl.

807
00:36:57,480 --> 00:36:59,360
Speaker 4: But that's exciting. Yeah, And you know who's going to

808
00:36:59,400 --> 00:37:03,200
Speaker 4: help you are one of our most loyal, faithful listeners, Amelia.

809
00:37:03,719 --> 00:37:08,480
Speaker 4: This is your moment. Amelia has followed our well. We

810
00:37:08,480 --> 00:37:10,600
Speaker 4: were roommates when I first moved to New York. She

811
00:37:11,000 --> 00:37:13,640
Speaker 4: now lives in Texas, but she has just been such

812
00:37:13,680 --> 00:37:16,000
Speaker 4: a faithful listener of the show. I feel like she

813
00:37:16,120 --> 00:37:17,680
Speaker 4: only reaches out about the show and I'm like, what

814
00:37:17,719 --> 00:37:23,919
Speaker 4: about me? But anyway, she is a marathoner, extraordinary. She's

815
00:37:23,960 --> 00:37:26,160
Speaker 4: a health runner, I mean a health writer for a

816
00:37:26,160 --> 00:37:29,480
Speaker 4: bunch of different publications. Anyway, she's going to get you together.

817
00:37:29,520 --> 00:37:31,319
Speaker 4: She listens to the show Amelia, this.

818
00:37:31,360 --> 00:37:35,520
Speaker 2: Is your guide to the DMS. Like dag me on Twitter? Whatever?

819
00:37:35,880 --> 00:37:37,560
Speaker 2: What app do you really like enjoy?

820
00:37:38,200 --> 00:37:40,040
Speaker 1: You know, like, yeah, I'm not a hyper beginner, but

821
00:37:40,040 --> 00:37:41,879
Speaker 1: I don't mind starting with the super beginner app because

822
00:37:41,880 --> 00:37:43,759
Speaker 1: I'm still going to continue to do my walks like

823
00:37:43,800 --> 00:37:46,879
Speaker 1: in between, but something that's not just about the run,

824
00:37:47,000 --> 00:37:48,920
Speaker 1: Like I want to make sure I maintain my overall

825
00:37:49,239 --> 00:37:53,279
Speaker 1: you know, like health. So yeah, what about you? Are

826
00:37:53,280 --> 00:37:54,400
Speaker 1: you boosting and you breaking?

827
00:37:55,200 --> 00:37:57,200
Speaker 4: Oh I forgot where I was for a second. Oh,

828
00:37:57,280 --> 00:37:59,759
Speaker 4: we're working. I'm going to do I have to do

829
00:37:59,800 --> 00:38:04,400
Speaker 4: a boost right, Yeah, there's so many things to boost,

830
00:38:04,680 --> 00:38:07,160
Speaker 4: like just in general for the year. I want to

831
00:38:07,200 --> 00:38:09,640
Speaker 4: boost that. I did the damn thing I said I

832
00:38:09,680 --> 00:38:14,400
Speaker 4: was going to do. I said, baby book, Business, baby book,

833
00:38:14,400 --> 00:38:18,240
Speaker 4: in business, the three Bees, and I had the baby

834
00:38:18,320 --> 00:38:22,279
Speaker 4: and he's extraordinary. The book is happening. I'm working on

835
00:38:22,360 --> 00:38:26,120
Speaker 4: chapter two it's due in the spring, which seems so close,

836
00:38:26,880 --> 00:38:32,280
Speaker 4: and business wise, I have I somehow managed to keep

837
00:38:32,440 --> 00:38:37,440
Speaker 4: Mandy Money Mandy Money LLC like still happening while I'm

838
00:38:37,440 --> 00:38:39,279
Speaker 4: writing the book, which was my goal. I still have

839
00:38:39,360 --> 00:38:42,040
Speaker 4: some shifts to make so I can take I didn't.

840
00:38:42,120 --> 00:38:43,840
Speaker 4: I need to take my foot even more off the

841
00:38:43,840 --> 00:38:46,400
Speaker 4: pedal in Q one so I can get this book done.

842
00:38:46,760 --> 00:38:49,200
Speaker 4: But I'm really, really I just want to boost that

843
00:38:49,280 --> 00:38:50,960
Speaker 4: I said I was going to do these things and

844
00:38:51,040 --> 00:38:53,520
Speaker 4: acknowledge it, because yes, some days it does feel like

845
00:38:54,640 --> 00:38:57,719
Speaker 4: how am I doing? Is this okay? Like you know,

846
00:38:57,760 --> 00:38:59,760
Speaker 4: some days of I'll have like my my doubt demons

847
00:38:59,760 --> 00:39:02,040
Speaker 4: are and I go on LinkedIn just look at jobs

848
00:39:02,200 --> 00:39:03,880
Speaker 4: just to remind myself that there's options.

849
00:39:04,360 --> 00:39:05,520
Speaker 2: Yeah, but then quickly.

850
00:39:05,360 --> 00:39:07,160
Speaker 4: I'm like, I don't want none of these jobs, these

851
00:39:07,200 --> 00:39:10,799
Speaker 4: ashy jops, I don't want them. But yeah, just really

852
00:39:10,880 --> 00:39:14,960
Speaker 4: really proud heading into the new year, I really want

853
00:39:15,000 --> 00:39:20,840
Speaker 4: to make it all about making this book the best

854
00:39:20,880 --> 00:39:23,799
Speaker 4: it can possibly be and not thinking about anything else

855
00:39:23,840 --> 00:39:25,839
Speaker 4: having to do with it, like the marketing all that.

856
00:39:25,880 --> 00:39:28,120
Speaker 4: I just have to make it really freaking good, And

857
00:39:28,160 --> 00:39:30,120
Speaker 4: it's like the only thing I can see right now

858
00:39:30,239 --> 00:39:33,120
Speaker 4: as like a I'm like a like a red aura

859
00:39:33,239 --> 00:39:35,160
Speaker 4: around everything I do. It's just like the book. It's

860
00:39:35,200 --> 00:39:39,560
Speaker 4: like this huge beacon and I feel so damn lucky

861
00:39:39,719 --> 00:39:41,279
Speaker 4: to be able to do it, and I just want

862
00:39:41,320 --> 00:39:45,919
Speaker 4: to enjoy the doing it, you know. Yeah, so that's

863
00:39:46,000 --> 00:39:52,600
Speaker 4: my boost and yeah, last regular show of the new year.

864
00:39:52,640 --> 00:39:56,520
Speaker 4: We'll still be in y'all's ears with them Baqa's y'all,

865
00:39:57,000 --> 00:39:59,080
Speaker 4: but they view so much, and.

866
00:39:59,040 --> 00:40:00,640
Speaker 2: Look out for the overt challenge.

867
00:40:00,640 --> 00:40:03,600
Speaker 1: I will share more about it because we're still still

868
00:40:03,600 --> 00:40:05,640
Speaker 1: here some shows, but like, look up for the challengeing

869
00:40:05,640 --> 00:40:06,360
Speaker 1: on my free Challenge.

870
00:40:06,400 --> 00:40:07,560
Speaker 2: It's gonna be the Credit Edition.

871
00:40:08,440 --> 00:40:10,879
Speaker 1: We're still working out some details, but it's free as

872
00:40:10,920 --> 00:40:14,839
Speaker 1: per usual. Launches in January January not January, Yeah, January eighth.

873
00:40:14,880 --> 00:40:17,640
Speaker 1: I think that's the second Monday of the new year.

874
00:40:18,280 --> 00:40:21,040
Speaker 1: You know, we did the Savings edition this year. Three

875
00:40:21,120 --> 00:40:23,560
Speaker 1: hundred of y'all, three hundred thousand of y'all signed up,

876
00:40:24,080 --> 00:40:26,719
Speaker 1: and so I'm excited to help even more this year.

877
00:40:26,800 --> 00:40:28,440
Speaker 1: You know, I've been doing the challenge off and on

878
00:40:28,480 --> 00:40:31,479
Speaker 1: for like ten years now, so I'm excited. I remember

879
00:40:31,520 --> 00:40:34,320
Speaker 1: we I partnered with you, Mandy, Remember was it Credit

880
00:40:34,320 --> 00:40:38,040
Speaker 1: test to me credit something Magnify Money, Magnified Money. Yes,

881
00:40:38,080 --> 00:40:40,600
Speaker 1: we partnered and so that was awesome. I think it

882
00:40:40,640 --> 00:40:44,520
Speaker 1: was the very first LRD. It's a challenge that y'all.

883
00:40:44,920 --> 00:40:47,279
Speaker 2: Yes, I mean so yeah. So it's just really like

884
00:40:47,360 --> 00:40:48,680
Speaker 2: it's my love.

885
00:40:48,520 --> 00:40:51,440
Speaker 1: Letter to y'all, you know, the challenge every year, because

886
00:40:51,440 --> 00:40:54,680
Speaker 1: it just enables me to help those especially those who

887
00:40:54,800 --> 00:40:58,520
Speaker 1: might not have the funds, you know, to get this

888
00:40:58,600 --> 00:40:59,920
Speaker 1: kind of like step by step guidance.

889
00:41:00,000 --> 00:41:03,320
Speaker 2: And so that's my gift, the gift that keeps on giving.

890
00:41:03,480 --> 00:41:07,400
Speaker 1: So just keep looking eye out for more information about

891
00:41:07,520 --> 00:41:09,839
Speaker 1: the ATS, but it's always available. I think I live

892
00:41:10,000 --> 00:41:12,239
Speaker 1: Richer Challenge dot com, but I don't think the credit

893
00:41:12,360 --> 00:41:14,279
Speaker 1: edition is up just yet, So just keep an eye out.

894
00:41:14,280 --> 00:41:17,360
Speaker 1: I'll be on the socials and things, but have an

895
00:41:17,400 --> 00:41:19,680
Speaker 1: awesome high lay season and awesome new year.

896
00:41:21,320 --> 00:41:22,920
Speaker 2: Yeah, we love y'all, honestly.

897
00:41:23,760 --> 00:41:24,880
Speaker 4: See you next year.

898
00:41:25,320 --> 00:41:30,000
Speaker 2: Goodbye, farewell, lovey. That's think