WEBVTT - BA Q&A: Budget, Budget, Budget ft. Lacey Robinson 0:00:06.080 --> 0:00:09.760 It's time for the b a q a A b 0:00:09.840 --> 0:00:12.760 a q a with Tiffin ed b a q eight 0:00:12.880 --> 0:00:15.880 no mandate, but the b a q a would Lacey, 0:00:16.360 --> 0:00:18.520 you know crazy? When man is not in the studio, 0:00:18.880 --> 0:00:22.960 we may have people who's named rhyme either way A 0:00:24.239 --> 0:00:28.840 nowcome back and black to brown ambition question and answer 0:00:28.920 --> 0:00:32.720 indus dud, I have an amazing brown black woman named 0:00:32.800 --> 0:00:36.680 Lacy Robinson. Lacy is the president and CEO of unbound Ed, 0:00:37.120 --> 0:00:41.200 an education organization that offers standards, align resources, and immersive 0:00:41.440 --> 0:00:46.360 professional learning for teachers and leaders seeking equity. She has 0:00:46.440 --> 0:00:50.800 over twenty years experience in education and focuses on helping 0:00:50.960 --> 0:00:56.240 educators in school systems disrupt systemic racism and its legacy. 0:00:56.360 --> 0:00:59.960 Lazy also is the new author of the amazing book 0:01:00.480 --> 0:01:05.600 Justice Seekers, Pursuing Equity in the Details of Teaching and Learning. 0:01:05.800 --> 0:01:08.360 Welcome to the Stew, Well, back to the stew Lacy, 0:01:08.440 --> 0:01:09.360 how were. 0:01:09.840 --> 0:01:11.960 I'm so good? You don't know how excited I am 0:01:12.000 --> 0:01:13.640 to hear that song. I was like, I can't wait 0:01:13.680 --> 0:01:14.319 to hear this song. 0:01:16.440 --> 0:01:18.759 Oh my goodness. So we have Lacy and the stew. 0:01:18.959 --> 0:01:24.480 She's written this amazing book about justice seeking. She is 0:01:24.520 --> 0:01:26.319 a woman after my own heart, because she, like me, 0:01:26.640 --> 0:01:30.520 started off in the early education classroom and she's written 0:01:30.520 --> 0:01:33.320 this book to help. She said, what did you say, Lacey? 0:01:33.319 --> 0:01:35.840 You told me that kind of like offline, this is 0:01:35.880 --> 0:01:37.440 what a love letter to educators. 0:01:37.640 --> 0:01:40.040 Yes, it's my love letter to the edgy sphere. 0:01:40.440 --> 0:01:45.280 It is if it tells our triumphs, our woes, my 0:01:45.400 --> 0:01:50.560 hopes and dreams, and ultimately it's a love letter for us, 0:01:50.600 --> 0:01:52.040 from educator to educators. 0:01:52.120 --> 0:01:54.440 So yeah, yeah, that's awesome. 0:01:54.640 --> 0:01:56.640 So if you're an educator, if you know an educator, 0:01:56.680 --> 0:01:58.520 because it gets I feel like every year it gets 0:01:58.560 --> 0:02:01.040 harder and harder to do the good work. I think 0:02:01.040 --> 0:02:03.880 it's gonna be just a perfect book to read and 0:02:03.920 --> 0:02:07.639 to connect with from a fellow at ju Kate turn So, lady, 0:02:07.720 --> 0:02:11.079 you're in the stew today for ba QA, and instead 0:02:11.080 --> 0:02:13.960 of taking questions externally, I'm gonna take your questions even 0:02:14.000 --> 0:02:17.280 though Jacky Loki over here, let's over here slant okay, 0:02:17.320 --> 0:02:19.000 And first of all, I'm bounded where she is the 0:02:19.040 --> 0:02:21.720 president and CEO, Miss president and CEO. It's like a 0:02:21.800 --> 0:02:23.960 forty million dollar organization. 0:02:24.200 --> 0:02:24.519 Okay. 0:02:24.720 --> 0:02:27.239 So she wants to Colombia. You said something like in 0:02:27.320 --> 0:02:29.519 the episode prior, like I didn't go to Harvard or 0:02:29.560 --> 0:02:31.320 Yale as if Columbia's not Ivy League, don't do that. 0:02:32.720 --> 0:02:35.919 We are not down playing black and brown excellent, not 0:02:36.120 --> 0:02:39.079 on my watch. Okay, don't make it on my right. 0:02:40.400 --> 0:02:44.000 She's doing this book that Justice Seekers, that that debut 0:02:44.080 --> 0:02:46.720 at number one in its category and Amazon. Okay, like 0:02:46.800 --> 0:02:49.799 we're not doing that. It's just excellental, like just flowing 0:02:49.880 --> 0:02:53.720 through her, her her brain and body. Okay, so you're 0:02:53.720 --> 0:02:55.720 gonna ask me some questions, So well one first, is 0:02:55.760 --> 0:02:58.000 it gonna be a business question? Careate, well, career child? 0:02:58.000 --> 0:03:01.720 You good business? Financial question? What's the first question you 0:03:01.800 --> 0:03:02.320 want to ask you? 0:03:02.600 --> 0:03:04.160 Okay, so it's a financial question. 0:03:04.280 --> 0:03:07.799 So I'm going to suppose and I'm gonna do this 0:03:07.919 --> 0:03:08.960 on behalf of the eduspere. 0:03:08.960 --> 0:03:10.600 Okay, gooday, Okay. 0:03:10.840 --> 0:03:16.320 So I am I'm about to graduated. I'm an undergrad. 0:03:17.360 --> 0:03:20.600 I'm going to receive my degree in elementary education. 0:03:20.800 --> 0:03:21.080 Okay. 0:03:21.440 --> 0:03:24.600 Every time I tell someone that I'm going to become 0:03:24.639 --> 0:03:28.200 a teacher, I get that conservative look like, oh girl, 0:03:28.240 --> 0:03:30.480 you're just gonna be broke for the rest of your life, 0:03:31.080 --> 0:03:31.360 Like what. 0:03:31.600 --> 0:03:35.280 A teacher you could? You know, go work for Google 0:03:35.560 --> 0:03:36.080 or whatever. 0:03:36.960 --> 0:03:41.520 What advice would you give a soon to be graduate 0:03:42.080 --> 0:03:50.040 teacher around how to start off in this career and 0:03:50.240 --> 0:03:53.920 not play into that role of the broke, busted, broke 0:03:54.000 --> 0:03:56.080 down educator that ain't never gonna make enough money. 0:03:56.080 --> 0:03:57.400 What's your advice you would give? 0:03:58.040 --> 0:04:01.480 Well, first, I would say one, there are sites like 0:04:01.800 --> 0:04:03.400 I think, I wonder if this decide is still up, 0:04:03.440 --> 0:04:06.840 like Smarty Pig, I believe where you can see, well, one, 0:04:06.840 --> 0:04:08.800 you should get clear on what you're gonna make, because 0:04:08.880 --> 0:04:12.160 like literally before you get your first paycheck, you know 0:04:12.880 --> 0:04:15.160 you should. You should know what you're going to make, 0:04:15.240 --> 0:04:17.240 and then you're gonna plug that into like a website. 0:04:17.240 --> 0:04:19.680 I believe it's called Smarty Pig. Or there's other ones 0:04:19.720 --> 0:04:22.480 where you can calculate based upon your state, what your 0:04:22.600 --> 0:04:25.680 take home will actually be okay, because you know, let's 0:04:25.680 --> 0:04:27.560 just say you're making forty thousand. Now you know it's 0:04:27.600 --> 0:04:29.640 not forty thousands if by twelve child, because you know, 0:04:29.640 --> 0:04:32.360 if I could and everybody got to get their touch, 0:04:32.400 --> 0:04:37.600 everybody a little taste, right, So you want to know 0:04:37.800 --> 0:04:40.440 exactly what you're going to make. And this goes for anybody, 0:04:40.480 --> 0:04:42.440 no matter what your job is your first job, what 0:04:42.560 --> 0:04:44.960 you're going to make, so you can get clear and 0:04:45.040 --> 0:04:47.880 start to create a budget before you even start working. 0:04:48.760 --> 0:04:51.680 So let's just say you find out, I don't know, 0:04:51.800 --> 0:04:53.480 like every two weeks you're going to be making fifteen 0:04:53.600 --> 0:04:56.600 hundred dollars. Then you can start asking yourself. I would like, 0:04:56.720 --> 0:04:58.839 I want you to start to budget in on are 0:04:58.880 --> 0:05:00.440 the more expensive this is? But what I did, this 0:05:00.560 --> 0:05:03.479 is literally me. I was graduating. I decided I wanted 0:05:03.480 --> 0:05:06.279 to be a teacher early childhood education. My parents basically 0:05:06.279 --> 0:05:07.839 acted like I said I wanted to be a drug dealer. 0:05:10.680 --> 0:05:12.920 So I remember, I was like, okay, I knew I 0:05:13.040 --> 0:05:14.800 was graduating, I had got I had a job lined up. 0:05:14.800 --> 0:05:16.840 I was making thirty nine thousand, that's what they offered. 0:05:17.000 --> 0:05:19.040 And my sister at that time told me, go on 0:05:19.120 --> 0:05:20.600 this site so you can see what you're going to make. 0:05:20.680 --> 0:05:22.039 I had never heard of that. I was like, okay, 0:05:22.440 --> 0:05:23.760 And then when I saw I was maybe like, I 0:05:23.760 --> 0:05:26.159 don't know, I can't remember, maybe in that twelve hundred 0:05:26.279 --> 0:05:28.920 every two weeks range. Vaguely, I vaguely remember something in 0:05:28.960 --> 0:05:31.880 that range. And then I had to look at I 0:05:31.960 --> 0:05:34.160 asked myself, like the most expensive thing that I have 0:05:34.279 --> 0:05:36.200 to pay for is likely going to be housing. And 0:05:36.279 --> 0:05:38.240 if I'm being honest, I know everyone does not have 0:05:38.320 --> 0:05:40.960 this capability. But I stayed home for one year after 0:05:41.080 --> 0:05:44.800 graduating to get myself together. So if you have the opportunity, 0:05:44.839 --> 0:05:46.640 because I know it's not available to everyone, if you 0:05:46.720 --> 0:05:51.640 have the opportunity to, you know, stay home or at 0:05:51.640 --> 0:05:53.720 a place that's low cost right after graduating for a 0:05:53.760 --> 0:05:55.960 little while, six months to a year to get yourself together, 0:05:56.240 --> 0:05:59.400 take that opportunity. That's one. If you don't have that opportunity, 0:05:59.440 --> 0:06:02.240 that's okay. Because the second thing I did was I 0:06:02.440 --> 0:06:04.800 moved in with my sister and I decided, let's put 0:06:04.800 --> 0:06:09.040 our money together. And so I found me a roommate. 0:06:09.080 --> 0:06:10.760 It doesn't have to be your sister, could be your cousin, 0:06:10.800 --> 0:06:14.040 that could be your friend, whoever, but a roommate that 0:06:14.080 --> 0:06:17.120 you think is reasonably responsible. And we started to like 0:06:17.480 --> 0:06:20.200 apartment looked like collectively, and we found a place. At 0:06:20.240 --> 0:06:21.840 the time, it was eleven hundred dollars, which you know 0:06:22.440 --> 0:06:26.640 that was many moons a chat, because yes, right, but 0:06:27.040 --> 0:06:30.200 here's the thing, even then, eleven hundred was low, but 0:06:30.880 --> 0:06:32.840 we were able to get it because we thought outside 0:06:32.880 --> 0:06:35.080 the box. I didn't just look at regular apartments. This 0:06:35.440 --> 0:06:38.000 was a house being rented out by a woman who 0:06:38.240 --> 0:06:41.040 actually had a daycare center next door. So she was 0:06:41.120 --> 0:06:44.200 more concerned with with who's living all here than making 0:06:44.240 --> 0:06:46.800 a ton of money. So I remember like her wanted 0:06:46.839 --> 0:06:48.440 to meet me and my sister. She was like, Okay, 0:06:48.920 --> 0:06:51.240 I'll keep it at eleven hundred because you guys, see 0:06:51.279 --> 0:06:52.680 my good girls who gonna live here and not be 0:06:52.760 --> 0:06:55.080 tearing up and drinking and partying because that was important 0:06:55.080 --> 0:06:58.120 for her business, you know, so you wanted to look out. 0:06:58.200 --> 0:07:00.560 I was looking outside the box for or so look 0:07:00.600 --> 0:07:03.000 outside the box for housing, and that it doesn't always 0:07:03.040 --> 0:07:04.480 have to be this traditional in the house or what 0:07:04.680 --> 0:07:07.239 you know in an apartment. If you can get yourself 0:07:07.279 --> 0:07:10.520 a roommate two or three, it's not forever. So that way, 0:07:10.520 --> 0:07:12.760 you could keep your car slow. And one of the 0:07:12.840 --> 0:07:14.320 things I did while I was able to move home 0:07:14.480 --> 0:07:17.720 is I saved and bought my first car. Used girl, 0:07:17.800 --> 0:07:20.080 I have not had a new car like when I 0:07:20.240 --> 0:07:22.480 was in college. My father, because I had four sisters, 0:07:22.960 --> 0:07:26.160 for three of us, he leased a car for us 0:07:26.800 --> 0:07:28.400 that we all had to share. So that just meant 0:07:28.520 --> 0:07:30.280 like I was a like, you know, like on on 0:07:30.360 --> 0:07:32.200 Saturday morning where the mom's be taking all the kids, 0:07:32.200 --> 0:07:33.640 that was me. He was like, you want to use 0:07:33.640 --> 0:07:35.520 that car that you better take this one for her 0:07:35.560 --> 0:07:38.280 hair appointment. This one the soccer SoC I said, Tom 0:07:38.320 --> 0:07:40.880 A sucker, Mom. I ain't got no kids, but I 0:07:40.960 --> 0:07:43.840 want to got caught out since it was the least 0:07:43.920 --> 0:07:45.920 it was. It was like the year like models. So 0:07:46.000 --> 0:07:47.840 that was the first and last time I ever had 0:07:47.880 --> 0:07:49.600 a new car. I have you I'm forty three years 0:07:49.600 --> 0:07:51.760 old and I have yet to see the inside of 0:07:51.840 --> 0:07:54.520 a brand new car. My first car I saved up. 0:07:54.600 --> 0:07:56.240 I think it was like twenty five hundred dollars or 0:07:56.280 --> 0:07:59.120 three thousand dollars, and I purchased it, you know, like 0:07:59.240 --> 0:08:02.040 from the auction myself, you know, got it. Like I 0:08:02.160 --> 0:08:05.400 had a good mechanic in mine in my neighborhood who 0:08:05.560 --> 0:08:07.320 you know, like helped me to figure out what car 0:08:07.440 --> 0:08:08.920 was not going to be like you know, all busted. 0:08:09.000 --> 0:08:12.520 I kept that car. It was a ninety nine Nissan Ultima, 0:08:12.800 --> 0:08:15.000 and I kept that car until it was two hundred 0:08:15.000 --> 0:08:18.720 and sixteen thousand miles on it. So I'm just saying, 0:08:18.720 --> 0:08:20.200 you have to do all that but it was very 0:08:20.280 --> 0:08:23.680 helpful to not have a car note, you know, and 0:08:23.760 --> 0:08:26.760 it kept my insurance low. So the key is right 0:08:26.920 --> 0:08:30.240 after when, especially when you're starting off in this life professionally, 0:08:30.640 --> 0:08:33.839 is to keep your monthly expenses low. How can I 0:08:33.920 --> 0:08:36.040 keep my housing expensive low? Can I stay home? Can 0:08:36.080 --> 0:08:38.000 I get a roommate? How can I keep my car 0:08:38.160 --> 0:08:41.040 or travel traveling expenses low? Can I you know, can 0:08:41.120 --> 0:08:43.400 I save up? I would not be getting anybody's new car, 0:08:43.520 --> 0:08:45.840 even my car now when I purchased it was two 0:08:45.960 --> 0:08:49.920 years old, because cars depreciate meaningly, lose their value right after, 0:08:50.480 --> 0:08:53.480 you know. Like so in every aspect of my life, 0:08:53.520 --> 0:08:55.760 I was like do we really need at the time, 0:08:55.840 --> 0:08:57.880 cable was like big, do we really need cable? Or 0:08:57.960 --> 0:09:00.719 just internet? So we just had internet, you know. I 0:09:00.880 --> 0:09:03.480 made sure, like when we purchase furniture other than although 0:09:03.480 --> 0:09:06.440 I don't buy like I call it sawt furniture, meaning 0:09:06.520 --> 0:09:08.360 like because people be having big books, child, we're not 0:09:08.400 --> 0:09:11.559 doing all that, but you know, I'm talking about like 0:09:11.679 --> 0:09:13.400 wood furnaces that you could wripe down. I would go 0:09:13.480 --> 0:09:18.640 to rich neighborhoods because typically once like once every few 0:09:18.720 --> 0:09:22.719 months or so, neighborhoods have typically like a bulk trash day, right, yeah. 0:09:22.760 --> 0:09:24.920 And so what I found out is the week before 0:09:25.000 --> 0:09:28.960 bulk trash day, oftentimes people have garage sales because they 0:09:29.120 --> 0:09:31.079 much rather you know, like get rid of stuff. So 0:09:31.120 --> 0:09:32.840 I would go to the wealthiest neighborhood I can find 0:09:32.840 --> 0:09:35.000 in my area and go to their little garage sALS girl, 0:09:35.040 --> 0:09:37.600 and give me some good furniture for you know, one 0:09:37.679 --> 0:09:39.920 hundred dollars two hundred, you know, like. And so that's 0:09:39.960 --> 0:09:42.679 the thing is that I mean it might feel like 0:09:42.720 --> 0:09:44.920 when that sounds like broke living, it wasn't because I 0:09:45.120 --> 0:09:48.079 was able to keep my living expenses far below what 0:09:48.160 --> 0:09:50.199 I made, and it allowed me to not have to 0:09:50.240 --> 0:09:52.800 work in the summer because you know, like as a teacher, 0:09:52.840 --> 0:09:54.520 So I didn't have to work in the summer to 0:09:54.760 --> 0:09:58.480 enjoy my summer. And then I saved up enough because 0:09:58.640 --> 0:10:00.120 I started to work on the side. I started the 0:10:00.160 --> 0:10:02.640 tutor and babysitting things on the side because I knew 0:10:02.679 --> 0:10:05.280 I wanted to purchase a home. And so after two 0:10:05.360 --> 0:10:09.480 and almost three years of saving, I had like twenty 0:10:09.600 --> 0:10:11.319 ors so thousand dollars saved, and I put a down 0:10:11.360 --> 0:10:16.800 payment on a condo and then my sister paid me rent. Okay, 0:10:16.960 --> 0:10:18.880 that's what we do. You don't give a no discount, 0:10:19.240 --> 0:10:22.920 no no, but do you see, Like the key is 0:10:23.520 --> 0:10:26.080 as soon as you start making money before it even hits, 0:10:26.480 --> 0:10:30.440 figure out your financial plan and create that budget ahead 0:10:30.440 --> 0:10:33.959 of time, and then live well below your means and 0:10:34.400 --> 0:10:38.000 do not forget. Especially as an educator, you likely have 0:10:38.200 --> 0:10:40.040 access to a four or three B or four to 0:10:40.040 --> 0:10:43.200 one K. I was just about as job. Don't wait. 0:10:43.520 --> 0:10:47.360 I know too many educators who thirty years later are like, wait, 0:10:47.679 --> 0:10:51.000 automatically you might have a pension, which is rare these days. 0:10:51.200 --> 0:10:53.599 You might, but the likelihood is you don't. You have 0:10:53.760 --> 0:10:58.320 to actively put money into like whatever that retirement account 0:10:58.440 --> 0:11:01.840 is that's being offered through your school, and it's important 0:11:01.880 --> 0:11:04.160 that you don't just put the money in. You want 0:11:04.200 --> 0:11:07.520 to make sure that it's being invested, because people will 0:11:07.559 --> 0:11:09.959 put the money into the account and not realize that 0:11:10.080 --> 0:11:11.719 they will just put it into a savings account for 0:11:11.760 --> 0:11:14.800 you unless you actively say it needs to be invested, 0:11:14.800 --> 0:11:16.480 and you might be like we had on investing. You 0:11:16.480 --> 0:11:18.240 don't need to know. This is what you're gonna want. 0:11:18.679 --> 0:11:20.880 You're gonna put your money in like you're gonna say, okay, 0:11:20.960 --> 0:11:24.200 take your one hundred dollars whatever. Every pay period, it's 0:11:24.240 --> 0:11:26.040 going to go into your account like at your four 0:11:26.120 --> 0:11:27.600 or three B or four to one K or whatever 0:11:27.679 --> 0:11:30.520 your school is offering or you're wherever you're working is offering, 0:11:30.840 --> 0:11:32.439 and then you're going to look for something called a 0:11:32.679 --> 0:11:36.760 target date fund. A target date fund is an easy 0:11:36.800 --> 0:11:38.800 way to invest without having to know how to do anything. 0:11:39.120 --> 0:11:41.079 A target date fund is just for this. It says, 0:11:41.640 --> 0:11:43.880 when what year do you think you're going to retire? 0:11:44.080 --> 0:11:45.839 So if you're twenty five, you might set it for 0:11:45.880 --> 0:11:47.840 thirty five years from now when I'm sixty five, whatever 0:11:48.280 --> 0:11:51.000 whatever time that is, and you're gonna find a target 0:11:51.080 --> 0:11:55.120 date fund that say's close to that year, So it'll 0:11:55.120 --> 0:11:59.040 be like TDF twenty fifty TDF, you know, so you'll 0:11:59.080 --> 0:12:00.760 find a target date fund closer to the year of 0:12:00.840 --> 0:12:03.240 retirement that you're thinking because it's usually target day funds 0:12:03.280 --> 0:12:05.679 are usually every five years. They'll give you right and 0:12:05.800 --> 0:12:07.880 then you're going to put your money into that target 0:12:07.960 --> 0:12:09.840 date fund. So, like I said, you want to make 0:12:09.880 --> 0:12:11.560 sure that you're not just saying, hey, take the one 0:12:11.600 --> 0:12:14.640 hundred dollars out, put it into the TVF twenty fifty 0:12:14.679 --> 0:12:17.199 target date Fund. And what makes it so special is 0:12:17.280 --> 0:12:20.360 that the target date Fund is going to rebalance itself 0:12:21.080 --> 0:12:23.920 every year based upon how close you are to retirement. 0:12:24.280 --> 0:12:27.640 Because the closer you are to retirement, the list less 0:12:27.760 --> 0:12:31.000 risky your investment should be. If you twenty ninety percent 0:12:31.040 --> 0:12:34.920 of your investments might be stocks, if you're sixty ninety 0:12:34.960 --> 0:12:37.199 percent might be in bonds or cash. You see what 0:12:37.240 --> 0:12:38.959 I mean. But you don't have to worry about all that. 0:12:39.200 --> 0:12:42.360 But the Target day fund will rebalance on your behalf 0:12:43.040 --> 0:12:45.040 and so like, if you do that, you are better 0:12:45.120 --> 0:12:48.679 than eighty well not better, but financially more secure than 0:12:48.720 --> 0:12:51.600 more than eighty percent of people. Like, So get your 0:12:51.640 --> 0:12:54.320 budget on before you get your money, and make sure 0:12:54.520 --> 0:12:56.880 from day one that you are putting money in your 0:12:56.920 --> 0:12:58.800 retirement account and use the target date funds. You don't 0:12:58.800 --> 0:12:59.400 have to worry about it. 0:13:00.280 --> 0:13:04.720 I mean, come on now to y'all takeing notes because okay, 0:13:04.760 --> 0:13:06.000 so wait I have a second question. 0:13:06.120 --> 0:13:07.680 Okay, oh wait, wait wait, we're gonna go for break. 0:13:07.679 --> 0:13:10.320 We're gonna we gonna pay some mail shot. Okay, all right, y'all, 0:13:10.840 --> 0:13:13.160 if you have questions, you know, for BF one, I 0:13:13.200 --> 0:13:17.080 always forget my legal disslaimer child. So I'm not your mama, 0:13:17.120 --> 0:13:19.079 I'm not your doctor, I'm not your attorney, child. I 0:13:19.160 --> 0:13:21.839 am just one of your favorite financial Internet cousins. So 0:13:21.880 --> 0:13:23.319 you're gonna take what I say with a grain of 0:13:23.400 --> 0:13:26.280 salt the smallest possible and you're gonna see your grandma 0:13:26.360 --> 0:13:29.040 that not me. Okay, So you know you want to 0:13:29.320 --> 0:13:31.480 lean into the people that you pay for professional advice. 0:13:32.320 --> 0:13:34.640 Certainly you can share what I've said, but you want 0:13:34.679 --> 0:13:36.439 to choose for yourself and leading to the people that 0:13:36.480 --> 0:13:38.520 you pay for professional advice from. But we're gonna be 0:13:38.600 --> 0:13:40.520 right back and black with b a q A. And 0:13:40.559 --> 0:13:42.240 if you have a question that you want to answer, 0:13:42.559 --> 0:13:45.760 you can go to brindabision podcast dot com, click and answer, 0:13:46.200 --> 0:13:48.720 click like contact us there. You can email us at 0:13:48.760 --> 0:13:51.920 Brindabision Podcasts at gmail dot com. You can slide into 0:13:51.960 --> 0:13:54.959 the dms on ig at brandabision podcast dot com. We 0:13:55.080 --> 0:13:57.960 welcome me and Mandy, welcome all of the question ons 0:13:58.000 --> 0:14:01.160 on business, career, personal finds. All right, we'll be back 0:14:01.200 --> 0:14:06.640 in black in a minute. And we're back and black 0:14:06.720 --> 0:14:10.839 and brand We're in the stud with Lacy Robinson. Lacy 0:14:11.000 --> 0:14:14.199 is the new author of the book Justice Seekers, Pursuing 0:14:14.240 --> 0:14:19.320 Equity and the Details of Teaching and Learning. Lazy pop 0:14:19.400 --> 0:14:23.920 quiz about your book. Okay, so if I am, what 0:14:24.280 --> 0:14:26.920 is what's the difference that, like, maybe a seasoned teacher 0:14:27.120 --> 0:14:30.000 versus a brand new teacher? Like, what are those two 0:14:30.280 --> 0:14:32.600 two educators going to get from your book? If I'm 0:14:32.640 --> 0:14:34.160 seasoned and you know I've been at a ten to 0:14:34.240 --> 0:14:37.120 thirteen years child, I'm tired versus like, I'm so excited, 0:14:37.200 --> 0:14:38.920 you know I'm brand new. What what are those two 0:14:39.040 --> 0:14:39.920 educators going to get? 0:14:40.160 --> 0:14:44.520 So a season teacher is going to get confirmation or affirmed, 0:14:45.000 --> 0:14:47.720 I would say, because I would think. 0:14:48.240 --> 0:14:50.640 What I hear in the edgisphere is that a lot 0:14:50.680 --> 0:14:52.680 of the things I experience. 0:14:52.520 --> 0:14:56.560 Other educators experience, they're going to get an opportunity to 0:14:56.680 --> 0:15:00.480 stop and ask themselves some self reflection about their own 0:15:00.600 --> 0:15:04.680 teaching and what they have stood on, or even that 0:15:04.840 --> 0:15:07.280 little instinct that happens as a teacher when you're like 0:15:07.760 --> 0:15:08.800 something's not quite right. 0:15:08.920 --> 0:15:11.520 Even they're asking me to do this, I think my 0:15:11.600 --> 0:15:12.840 student students need this. 0:15:13.760 --> 0:15:17.800 They're certainly going to get the GLEAN framework great level, engaging, affirming, meaningful, 0:15:17.840 --> 0:15:22.280 which we ask all educators to think about as they're constructing, deconstructing, 0:15:22.360 --> 0:15:26.600 reconstructing their lessons as a new teacher, they're going to 0:15:26.760 --> 0:15:31.160 get I would say, some of my experiences that I 0:15:31.280 --> 0:15:33.440 had as a new teacher, some of my experiences I had. 0:15:33.400 --> 0:15:34.000 As a student. 0:15:34.440 --> 0:15:37.880 They're going to get some of the formidable research that 0:15:38.040 --> 0:15:41.840 we have stood on at unbounded around pursuing the justice 0:15:41.920 --> 0:15:44.720 in the details of teaching and learning. And what I 0:15:44.960 --> 0:15:48.120 really hope that all teachers get from this book is 0:15:48.160 --> 0:15:51.040 that we are a collective community, honey, and when we 0:15:51.160 --> 0:15:54.400 put our minds together, we can do anything. 0:15:55.600 --> 0:16:00.440 I love that. Yes I shall. I said, you said, 0:16:00.480 --> 0:16:02.360 you got a question for little on me groul Do 0:16:03.040 --> 0:16:03.440 I do? 0:16:03.960 --> 0:16:06.080 I do? So here's my second part of my question. Right, 0:16:06.120 --> 0:16:09.160 So I started with the new teacher, right. So. 0:16:09.440 --> 0:16:11.920 I was talking to a mente of mind the other day. 0:16:12.040 --> 0:16:16.960 She's really excited. She is about to get her administrative license. 0:16:17.800 --> 0:16:21.200 She's working on her doctorate right now. She's almost done, 0:16:21.760 --> 0:16:24.800 and she will soon be applying. 0:16:24.520 --> 0:16:25.840 For AP positions. 0:16:26.000 --> 0:16:29.280 Now, these ap positions and the systems that she's going 0:16:29.400 --> 0:16:34.040 to honey, are starting at six figures, okay, and this is. 0:16:34.080 --> 0:16:38.440 Her first time really moving into that kind of pay scale. 0:16:39.080 --> 0:16:39.880 And so what. 0:16:40.040 --> 0:16:44.120 Advice would you give her going from she's a mom, 0:16:44.280 --> 0:16:47.560 she has two kids, she has you know, her regular bills, 0:16:47.600 --> 0:16:52.120 but seeing in her future a salary jump. And she 0:16:52.200 --> 0:16:54.160 said to me, I just want to live below my means. 0:16:54.200 --> 0:16:56.560 And I said, that's what everybody says, mabe. 0:16:59.280 --> 0:17:02.240 So what advice would you advice would you give her? 0:17:02.560 --> 0:17:04.560 As she's looking at that that horizon. 0:17:05.080 --> 0:17:07.040 Yes, it's cute over here. We'll just say that first 0:17:07.040 --> 0:17:13.040 and foremost, right, right, So one, and then I'll start 0:17:13.040 --> 0:17:14.879 off with similar advice that I give to a new teacher, 0:17:15.000 --> 0:17:17.679 and that for everyone. Whenever money's coming there, you won 0:17:17.760 --> 0:17:21.560 the lottery, you're about to get arraised. Before the money 0:17:21.720 --> 0:17:24.920 hits there is what I call before money Tiffany and 0:17:24.960 --> 0:17:28.919 after money tiffany. Right, because after money Tiffy is like, oh, 0:17:29.000 --> 0:17:29.640 who said dad? 0:17:29.720 --> 0:17:29.760 What? 0:17:31.359 --> 0:17:33.479 No, she'd a lot Come on, let me be let 0:17:33.560 --> 0:17:36.520 me win twenty million dollars the lottery. You know, if 0:17:36.560 --> 0:17:38.680 you don't have a plan in place, the money will 0:17:38.720 --> 0:17:40.440 do what they want to do. I want you to 0:17:40.480 --> 0:17:42.879 think my money like a two year old, right, you 0:17:42.960 --> 0:17:45.439 know you're like, oh, you know tomorrow. The two year 0:17:45.440 --> 0:17:47.040 old is like, girl, I don't know what she talking about. 0:17:47.080 --> 0:17:50.880 We're gonna do what I say, and that's what your money. 0:17:50.920 --> 0:17:54.200 It's broaden, like unless you have a plan in place 0:17:54.760 --> 0:17:56.600 to like get your two year old to be realize, Okay, 0:17:56.840 --> 0:17:58.520 we wake up, we brush our teeth, we do. That's 0:17:58.520 --> 0:18:00.600 why we have all these dagon song tea in preschool 0:18:00.680 --> 0:18:02.200 because you got to get the kids on board, like 0:18:02.320 --> 0:18:05.560 clean up clean, you know, So you have to make 0:18:05.600 --> 0:18:08.840 the plan ahead of time. So same thing, you know, 0:18:09.080 --> 0:18:13.400 like mentee, who's gonna be making six figures one? Let's 0:18:13.400 --> 0:18:16.040 see how much that really shakes out to be? You know, fine, 0:18:16.080 --> 0:18:17.600 Like I said, I don't know if a smarty pig, 0:18:17.640 --> 0:18:19.520 but there is. I will have to find the link 0:18:19.560 --> 0:18:21.920 and give it to your money or our producer the 0:18:22.040 --> 0:18:24.439 link for a site where you can just you can 0:18:24.520 --> 0:18:28.840 just google too, like how much is one hundred thousand 0:18:28.880 --> 0:18:31.440 dollars in my state? Like breaking down like what my paycheck? 0:18:31.560 --> 0:18:33.680 Oh you know what it's called paycheck city. That's what 0:18:33.720 --> 0:18:36.399 it's called paycheck paycheck curtain. Okay, so you will go 0:18:36.640 --> 0:18:39.359 and you put in your two hundred hundred whatever it is, 0:18:39.840 --> 0:18:41.800 put in your state, because it's actually going to withdraw 0:18:41.880 --> 0:18:44.240 the state taxes, and you will see this is what 0:18:44.359 --> 0:18:46.800 your paycheck will actually be, what every or and then 0:18:46.800 --> 0:18:48.560 you put in how often you get paid every two weeks, 0:18:48.640 --> 0:18:51.320 bi weekly, whatever, so you want to know what that is, 0:18:51.680 --> 0:18:54.639 And then look at your current bills now and then 0:18:54.760 --> 0:18:57.719 ask yourself, off the top, how much of this am 0:18:57.760 --> 0:18:59.159 I going to make into it? Like what I call 0:18:59.240 --> 0:19:02.720 a savings bill, you know, so let's just say I'm 0:19:02.760 --> 0:19:04.280 just making up a number. You're gonna be making it 0:19:04.400 --> 0:19:08.080 extra thousand dollars a month, right, So you might say 0:19:08.080 --> 0:19:10.399 to yourself, I would really love I'm already saving two 0:19:10.480 --> 0:19:13.040