Speaker 1: It's time for the b a q a A b
Speaker 1: a q a with Tiffin ed b a q eight
Speaker 1: no mandate, but the b a q a would Lacey,
Speaker 1: you know crazy? When man is not in the studio,
Speaker 1: we may have people who's named rhyme either way A
Speaker 1: nowcome back and black to brown ambition question and answer
Speaker 1: indus dud, I have an amazing brown black woman named
Speaker 1: Lacy Robinson. Lacy is the president and CEO of unbound Ed,
Speaker 1: an education organization that offers standards, align resources, and immersive
Speaker 1: professional learning for teachers and leaders seeking equity. She has
Speaker 1: over twenty years experience in education and focuses on helping
Speaker 1: educators in school systems disrupt systemic racism and its legacy.
Speaker 1: Lazy also is the new author of the amazing book
Speaker 1: Justice Seekers, Pursuing Equity in the Details of Teaching and Learning.
Speaker 1: Welcome to the Stew, Well, back to the stew Lacy,
Speaker 1: how were.
Speaker 2: I'm so good? You don't know how excited I am
Speaker 2: to hear that song. I was like, I can't wait
Speaker 2: to hear this song.
Speaker 1: Oh my goodness. So we have Lacy and the stew.
Speaker 1: She's written this amazing book about justice seeking. She is
Speaker 1: a woman after my own heart, because she, like me,
Speaker 1: started off in the early education classroom and she's written
Speaker 1: this book to help. She said, what did you say, Lacey?
Speaker 1: You told me that kind of like offline, this is
Speaker 1: what a love letter to educators.
Speaker 2: Yes, it's my love letter to the edgy sphere.
Speaker 3: It is if it tells our triumphs, our woes, my
Speaker 3: hopes and dreams, and ultimately it's a love letter for us,
Speaker 3: from educator to educators.
Speaker 2: So yeah, yeah, that's awesome.
Speaker 1: So if you're an educator, if you know an educator,
Speaker 1: because it gets I feel like every year it gets
Speaker 1: harder and harder to do the good work. I think
Speaker 1: it's gonna be just a perfect book to read and
Speaker 1: to connect with from a fellow at ju Kate turn So, lady,
Speaker 1: you're in the stew today for ba QA, and instead
Speaker 1: of taking questions externally, I'm gonna take your questions even
Speaker 1: though Jacky Loki over here, let's over here slant okay,
Speaker 1: And first of all, I'm bounded where she is the
Speaker 1: president and CEO, Miss president and CEO. It's like a
Speaker 1: forty million dollar organization.
Speaker 2: Okay.
Speaker 1: So she wants to Colombia. You said something like in
Speaker 1: the episode prior, like I didn't go to Harvard or
Speaker 1: Yale as if Columbia's not Ivy League, don't do that.
Speaker 1: We are not down playing black and brown excellent, not
Speaker 1: on my watch. Okay, don't make it on my right.
Speaker 1: She's doing this book that Justice Seekers, that that debut
Speaker 1: at number one in its category and Amazon. Okay, like
Speaker 1: we're not doing that. It's just excellental, like just flowing
Speaker 1: through her, her her brain and body. Okay, so you're
Speaker 1: gonna ask me some questions, So well one first, is
Speaker 1: it gonna be a business question? Careate, well, career child?
Speaker 1: You good business? Financial question? What's the first question you
Speaker 1: want to ask you?
Speaker 2: Okay, so it's a financial question.
Speaker 3: So I'm going to suppose and I'm gonna do this
Speaker 3: on behalf of the eduspere.
Speaker 1: Okay, gooday, Okay.
Speaker 3: So I am I'm about to graduated. I'm an undergrad.
Speaker 3: I'm going to receive my degree in elementary education.
Speaker 1: Okay.
Speaker 3: Every time I tell someone that I'm going to become
Speaker 3: a teacher, I get that conservative look like, oh girl,
Speaker 3: you're just gonna be broke for the rest of your life,
Speaker 3: Like what.
Speaker 2: A teacher you could? You know, go work for Google
Speaker 2: or whatever.
Speaker 3: What advice would you give a soon to be graduate
Speaker 3: teacher around how to start off in this career and
Speaker 3: not play into that role of the broke, busted, broke
Speaker 3: down educator that ain't never gonna make enough money.
Speaker 2: What's your advice you would give?
Speaker 1: Well, first, I would say one, there are sites like
Speaker 1: I think, I wonder if this decide is still up,
Speaker 1: like Smarty Pig, I believe where you can see, well, one,
Speaker 1: you should get clear on what you're gonna make, because
Speaker 1: like literally before you get your first paycheck, you know
Speaker 1: you should. You should know what you're going to make,
Speaker 1: and then you're gonna plug that into like a website.
Speaker 1: I believe it's called Smarty Pig. Or there's other ones
Speaker 1: where you can calculate based upon your state, what your
Speaker 1: take home will actually be okay, because you know, let's
Speaker 1: just say you're making forty thousand. Now you know it's
Speaker 1: not forty thousands if by twelve child, because you know,
Speaker 1: if I could and everybody got to get their touch,
Speaker 1: everybody a little taste, right, So you want to know
Speaker 1: exactly what you're going to make. And this goes for anybody,
Speaker 1: no matter what your job is your first job, what
Speaker 1: you're going to make, so you can get clear and
Speaker 1: start to create a budget before you even start working.
Speaker 1: So let's just say you find out, I don't know,
Speaker 1: like every two weeks you're going to be making fifteen
Speaker 1: hundred dollars. Then you can start asking yourself. I would like,
Speaker 1: I want you to start to budget in on are
Speaker 1: the more expensive this is? But what I did, this
Speaker 1: is literally me. I was graduating. I decided I wanted
Speaker 1: to be a teacher early childhood education. My parents basically
Speaker 1: acted like I said I wanted to be a drug dealer.
Speaker 1: So I remember, I was like, okay, I knew I
Speaker 1: was graduating, I had got I had a job lined up.
Speaker 1: I was making thirty nine thousand, that's what they offered.
Speaker 1: And my sister at that time told me, go on
Speaker 1: this site so you can see what you're going to make.
Speaker 1: I had never heard of that. I was like, okay,
Speaker 1: And then when I saw I was maybe like, I
Speaker 1: don't know, I can't remember, maybe in that twelve hundred
Speaker 1: every two weeks range. Vaguely, I vaguely remember something in
Speaker 1: that range. And then I had to look at I
Speaker 1: asked myself, like the most expensive thing that I have
Speaker 1: to pay for is likely going to be housing. And
Speaker 1: if I'm being honest, I know everyone does not have
Speaker 1: this capability. But I stayed home for one year after
Speaker 1: graduating to get myself together. So if you have the opportunity,
Speaker 1: because I know it's not available to everyone, if you
Speaker 1: have the opportunity to, you know, stay home or at
Speaker 1: a place that's low cost right after graduating for a
Speaker 1: little while, six months to a year to get yourself together,
Speaker 1: take that opportunity. That's one. If you don't have that opportunity,
Speaker 1: that's okay. Because the second thing I did was I
Speaker 1: moved in with my sister and I decided, let's put
Speaker 1: our money together. And so I found me a roommate.
Speaker 1: It doesn't have to be your sister, could be your cousin,
Speaker 1: that could be your friend, whoever, but a roommate that
Speaker 1: you think is reasonably responsible. And we started to like
Speaker 1: apartment looked like collectively, and we found a place. At
Speaker 1: the time, it was eleven hundred dollars, which you know
Speaker 1: that was many moons a chat, because yes, right, but
Speaker 1: here's the thing, even then, eleven hundred was low, but
Speaker 1: we were able to get it because we thought outside
Speaker 1: the box. I didn't just look at regular apartments. This
Speaker 1: was a house being rented out by a woman who
Speaker 1: actually had a daycare center next door. So she was
Speaker 1: more concerned with with who's living all here than making
Speaker 1: a ton of money. So I remember like her wanted
Speaker 1: to meet me and my sister. She was like, Okay,
Speaker 1: I'll keep it at eleven hundred because you guys, see
Speaker 1: my good girls who gonna live here and not be
Speaker 1: tearing up and drinking and partying because that was important
Speaker 1: for her business, you know, so you wanted to look out.
Speaker 1: I was looking outside the box for or so look
Speaker 1: outside the box for housing, and that it doesn't always
Speaker 1: have to be this traditional in the house or what
Speaker 1: you know in an apartment. If you can get yourself
Speaker 1: a roommate two or three, it's not forever. So that way,
Speaker 1: you could keep your car slow. And one of the
Speaker 1: things I did while I was able to move home
Speaker 1: is I saved and bought my first car. Used girl,
Speaker 1: I have not had a new car like when I
Speaker 1: was in college. My father, because I had four sisters,
Speaker 1: for three of us, he leased a car for us
Speaker 1: that we all had to share. So that just meant
Speaker 1: like I was a like, you know, like on on
Speaker 1: Saturday morning where the mom's be taking all the kids,
Speaker 1: that was me. He was like, you want to use
Speaker 1: that car that you better take this one for her
Speaker 1: hair appointment. This one the soccer SoC I said, Tom
Speaker 1: A sucker, Mom. I ain't got no kids, but I
Speaker 1: want to got caught out since it was the least
Speaker 1: it was. It was like the year like models. So
Speaker 1: that was the first and last time I ever had
Speaker 1: a new car. I have you I'm forty three years
Speaker 1: old and I have yet to see the inside of
Speaker 1: a brand new car. My first car I saved up.
Speaker 1: I think it was like twenty five hundred dollars or
Speaker 1: three thousand dollars, and I purchased it, you know, like
Speaker 1: from the auction myself, you know, got it. Like I
Speaker 1: had a good mechanic in mine in my neighborhood who
Speaker 1: you know, like helped me to figure out what car
Speaker 1: was not going to be like you know, all busted.
Speaker 1: I kept that car. It was a ninety nine Nissan Ultima,
Speaker 1: and I kept that car until it was two hundred
Speaker 1: and sixteen thousand miles on it. So I'm just saying,
Speaker 1: you have to do all that but it was very
Speaker 1: helpful to not have a car note, you know, and
Speaker 1: it kept my insurance low. So the key is right
Speaker 1: after when, especially when you're starting off in this life professionally,
Speaker 1: is to keep your monthly expenses low. How can I
Speaker 1: keep my housing expensive low? Can I stay home? Can
Speaker 1: I get a roommate? How can I keep my car
Speaker 1: or travel traveling expenses low? Can I you know, can
Speaker 1: I save up? I would not be getting anybody's new car,
Speaker 1: even my car now when I purchased it was two
Speaker 1: years old, because cars depreciate meaningly, lose their value right after,
Speaker 1: you know. Like so in every aspect of my life,
Speaker 1: I was like do we really need at the time,
Speaker 1: cable was like big, do we really need cable? Or
Speaker 1: just internet? So we just had internet, you know. I
Speaker 1: made sure, like when we purchase furniture other than although
Speaker 1: I don't buy like I call it sawt furniture, meaning
Speaker 1: like because people be having big books, child, we're not
Speaker 1: doing all that, but you know, I'm talking about like
Speaker 1: wood furnaces that you could wripe down. I would go
Speaker 1: to rich neighborhoods because typically once like once every few
Speaker 1: months or so, neighborhoods have typically like a bulk trash day, right, yeah.
Speaker 1: And so what I found out is the week before
Speaker 1: bulk trash day, oftentimes people have garage sales because they
Speaker 1: much rather you know, like get rid of stuff. So
Speaker 1: I would go to the wealthiest neighborhood I can find
Speaker 1: in my area and go to their little garage sALS girl,
Speaker 1: and give me some good furniture for you know, one
Speaker 1: hundred dollars two hundred, you know, like. And so that's
Speaker 1: the thing is that I mean it might feel like
Speaker 1: when that sounds like broke living, it wasn't because I
Speaker 1: was able to keep my living expenses far below what
Speaker 1: I made, and it allowed me to not have to
Speaker 1: work in the summer because you know, like as a teacher,
Speaker 1: So I didn't have to work in the summer to
Speaker 1: enjoy my summer. And then I saved up enough because
Speaker 1: I started to work on the side. I started the
Speaker 1: tutor and babysitting things on the side because I knew
Speaker 1: I wanted to purchase a home. And so after two
Speaker 1: and almost three years of saving, I had like twenty
Speaker 1: ors so thousand dollars saved, and I put a down
Speaker 1: payment on a condo and then my sister paid me rent. Okay,
Speaker 1: that's what we do. You don't give a no discount,
Speaker 1: no no, but do you see, Like the key is
Speaker 1: as soon as you start making money before it even hits,
Speaker 1: figure out your financial plan and create that budget ahead
Speaker 1: of time, and then live well below your means and
Speaker 1: do not forget. Especially as an educator, you likely have
Speaker 1: access to a four or three B or four to
Speaker 1: one K. I was just about as job. Don't wait.
Speaker 1: I know too many educators who thirty years later are like, wait,
Speaker 1: automatically you might have a pension, which is rare these days.
Speaker 1: You might, but the likelihood is you don't. You have
Speaker 1: to actively put money into like whatever that retirement account
Speaker 1: is that's being offered through your school, and it's important
Speaker 1: that you don't just put the money in. You want
Speaker 1: to make sure that it's being invested, because people will
Speaker 1: put the money into the account and not realize that
Speaker 1: they will just put it into a savings account for
Speaker 1: you unless you actively say it needs to be invested,
Speaker 1: and you might be like we had on investing. You
Speaker 1: don't need to know. This is what you're gonna want.
Speaker 1: You're gonna put your money in like you're gonna say, okay,
Speaker 1: take your one hundred dollars whatever. Every pay period, it's
Speaker 1: going to go into your account like at your four
Speaker 1: or three B or four to one K or whatever
Speaker 1: your school is offering or you're wherever you're working is offering,
Speaker 1: and then you're going to look for something called a
Speaker 1: target date fund. A target date fund is an easy
Speaker 1: way to invest without having to know how to do anything.
Speaker 1: A target date fund is just for this. It says,
Speaker 1: when what year do you think you're going to retire?
Speaker 1: So if you're twenty five, you might set it for
Speaker 1: thirty five years from now when I'm sixty five, whatever
Speaker 1: whatever time that is, and you're gonna find a target
Speaker 1: date fund that say's close to that year, So it'll
Speaker 1: be like TDF twenty fifty TDF, you know, so you'll
Speaker 1: find a target date fund closer to the year of
Speaker 1: retirement that you're thinking because it's usually target day funds
Speaker 1: are usually every five years. They'll give you right and
Speaker 1: then you're going to put your money into that target
Speaker 1: date fund. So, like I said, you want to make
Speaker 1: sure that you're not just saying, hey, take the one
Speaker 1: hundred dollars out, put it into the TVF twenty fifty
Speaker 1: target date Fund. And what makes it so special is
Speaker 1: that the target date Fund is going to rebalance itself
Speaker 1: every year based upon how close you are to retirement.
Speaker 1: Because the closer you are to retirement, the list less
Speaker 1: risky your investment should be. If you twenty ninety percent
Speaker 1: of your investments might be stocks, if you're sixty ninety
Speaker 1: percent might be in bonds or cash. You see what
Speaker 1: I mean. But you don't have to worry about all that.
Speaker 1: But the Target day fund will rebalance on your behalf
Speaker 1: and so like, if you do that, you are better
Speaker 1: than eighty well not better, but financially more secure than
Speaker 1: more than eighty percent of people. Like, So get your
Speaker 1: budget on before you get your money, and make sure
Speaker 1: from day one that you are putting money in your
Speaker 1: retirement account and use the target date funds. You don't
Speaker 1: have to worry about it.
Speaker 3: I mean, come on now to y'all takeing notes because okay,
Speaker 3: so wait I have a second question.
Speaker 1: Okay, oh wait, wait wait, we're gonna go for break.
Speaker 1: We're gonna we gonna pay some mail shot. Okay, all right, y'all,
Speaker 1: if you have questions, you know, for BF one, I
Speaker 1: always forget my legal disslaimer child. So I'm not your mama,
Speaker 1: I'm not your doctor, I'm not your attorney, child. I
Speaker 1: am just one of your favorite financial Internet cousins. So
Speaker 1: you're gonna take what I say with a grain of
Speaker 1: salt the smallest possible and you're gonna see your grandma
Speaker 1: that not me. Okay, So you know you want to
Speaker 1: lean into the people that you pay for professional advice.
Speaker 1: Certainly you can share what I've said, but you want
Speaker 1: to choose for yourself and leading to the people that
Speaker 1: you pay for professional advice from. But we're gonna be
Speaker 1: right back and black with b a q A. And
Speaker 1: if you have a question that you want to answer,
Speaker 1: you can go to brindabision podcast dot com, click and answer,
Speaker 1: click like contact us there. You can email us at
Speaker 1: Brindabision Podcasts at gmail dot com. You can slide into
Speaker 1: the dms on ig at brandabision podcast dot com. We
Speaker 1: welcome me and Mandy, welcome all of the question ons
Speaker 1: on business, career, personal finds. All right, we'll be back
Speaker 1: in black in a minute. And we're back and black
Speaker 1: and brand We're in the stud with Lacy Robinson. Lacy
Speaker 1: is the new author of the book Justice Seekers, Pursuing
Speaker 1: Equity and the Details of Teaching and Learning. Lazy pop
Speaker 1: quiz about your book. Okay, so if I am, what
Speaker 1: is what's the difference that, like, maybe a seasoned teacher
Speaker 1: versus a brand new teacher? Like, what are those two
Speaker 1: two educators going to get from your book? If I'm
Speaker 1: seasoned and you know I've been at a ten to
Speaker 1: thirteen years child, I'm tired versus like, I'm so excited,
Speaker 1: you know I'm brand new. What what are those two
Speaker 1: educators going to get?
Speaker 3: So a season teacher is going to get confirmation or affirmed,
Speaker 3: I would say, because I would think.
Speaker 2: What I hear in the edgisphere is that a lot
Speaker 2: of the things I experience.
Speaker 3: Other educators experience, they're going to get an opportunity to
Speaker 3: stop and ask themselves some self reflection about their own
Speaker 3: teaching and what they have stood on, or even that
Speaker 3: little instinct that happens as a teacher when you're like
Speaker 3: something's not quite right.
Speaker 2: Even they're asking me to do this, I think my
Speaker 2: student students need this.
Speaker 3: They're certainly going to get the GLEAN framework great level, engaging, affirming, meaningful,
Speaker 3: which we ask all educators to think about as they're constructing, deconstructing,
Speaker 3: reconstructing their lessons as a new teacher, they're going to
Speaker 3: get I would say, some of my experiences that I
Speaker 3: had as a new teacher, some of my experiences I had.
Speaker 2: As a student.
Speaker 3: They're going to get some of the formidable research that
Speaker 3: we have stood on at unbounded around pursuing the justice
Speaker 3: in the details of teaching and learning. And what I
Speaker 3: really hope that all teachers get from this book is
Speaker 3: that we are a collective community, honey, and when we
Speaker 3: put our minds together, we can do anything.
Speaker 1: I love that. Yes I shall. I said, you said,
Speaker 1: you got a question for little on me groul Do
Speaker 1: I do?
Speaker 2: I do? So here's my second part of my question. Right,
Speaker 2: So I started with the new teacher, right. So.
Speaker 3: I was talking to a mente of mind the other day.
Speaker 3: She's really excited. She is about to get her administrative license.
Speaker 3: She's working on her doctorate right now. She's almost done,
Speaker 3: and she will soon be applying.
Speaker 2: For AP positions.
Speaker 3: Now, these ap positions and the systems that she's going
Speaker 3: to honey, are starting at six figures, okay, and this is.
Speaker 2: Her first time really moving into that kind of pay scale.
Speaker 2: And so what.
Speaker 3: Advice would you give her going from she's a mom,
Speaker 3: she has two kids, she has you know, her regular bills,
Speaker 3: but seeing in her future a salary jump. And she
Speaker 3: said to me, I just want to live below my means.
Speaker 3: And I said, that's what everybody says, mabe.
Speaker 2: So what advice would you advice would you give her?
Speaker 2: As she's looking at that that horizon.
Speaker 1: Yes, it's cute over here. We'll just say that first
Speaker 1: and foremost, right, right, So one, and then I'll start
Speaker 1: off with similar advice that I give to a new teacher,
Speaker 1: and that for everyone. Whenever money's coming there, you won
Speaker 1: the lottery, you're about to get arraised. Before the money
Speaker 1: hits there is what I call before money Tiffany and
Speaker 1: after money tiffany. Right, because after money Tiffy is like, oh,
Speaker 1: who said dad?
Speaker 2: What?
Speaker 1: No, she'd a lot Come on, let me be let
Speaker 1: me win twenty million dollars the lottery. You know, if
Speaker 1: you don't have a plan in place, the money will
Speaker 1: do what they want to do. I want you to
Speaker 1: think my money like a two year old, right, you
Speaker 1: know you're like, oh, you know tomorrow. The two year
Speaker 1: old is like, girl, I don't know what she talking about.
Speaker 1: We're gonna do what I say, and that's what your money.
Speaker 1: It's broaden, like unless you have a plan in place
Speaker 1: to like get your two year old to be realize, Okay,
Speaker 1: we wake up, we brush our teeth, we do. That's
Speaker 1: why we have all these dagon song tea in preschool
Speaker 1: because you got to get the kids on board, like
Speaker 1: clean up clean, you know, So you have to make
Speaker 1: the plan ahead of time. So same thing, you know,
Speaker 1: like mentee, who's gonna be making six figures one? Let's
Speaker 1: see how much that really shakes out to be? You know, fine,
Speaker 1: Like I said, I don't know if a smarty pig,
Speaker 1: but there is. I will have to find the link
Speaker 1: and give it to your money or our producer the
Speaker 1: link for a site where you can just you can
Speaker 1: just google too, like how much is one hundred thousand
Speaker 1: dollars in my state? Like breaking down like what my paycheck?
Speaker 1: Oh you know what it's called paycheck city. That's what
Speaker 1: it's called paycheck paycheck curtain. Okay, so you will go
Speaker 1: and you put in your two hundred hundred whatever it is,
Speaker 1: put in your state, because it's actually going to withdraw
Speaker 1: the state taxes, and you will see this is what
Speaker 1: your paycheck will actually be, what every or and then
Speaker 1: you put in how often you get paid every two weeks,
Speaker 1: bi weekly, whatever, so you want to know what that is,
Speaker 1: And then look at your current bills now and then
Speaker 1: ask yourself, off the top, how much of this am
Speaker 1: I going to make into it? Like what I call
Speaker 1: a savings bill, you know, so let's just say I'm
Speaker 1: just making up a number. You're gonna be making it
Speaker 1: extra thousand dollars a month, right, So you might say
Speaker 1: to yourself, I would really love I'm already saving two
Speaker 1: hundred bucks a month. I would really love to get myself,
Speaker 1: you know, up to like maybe add another five hundred
Speaker 1: onto it. That's a new bill. So that way, when
Speaker 1: it comes in, I would want to know what is
Speaker 1: my first paycheck coming because I'm automating having that five
Speaker 1: hundred join that two hundred into that savings account. Even better,
Speaker 1: you can literally do a split it before you get it.
Speaker 1: You can go down to HR and say, before you
Speaker 1: give me my money, here's how I want you to
Speaker 1: split my money. Four bank accounts. Checking account number one
Speaker 1: for my This is a like a spending account. This
Speaker 1: is kind of like where your money lands that you
Speaker 1: use for your debit card. You know, you go food chopping,
Speaker 1: you get your hand on nails on the kids. Okay.
Speaker 1: Checking account number two your bill's account. Add up your bills,
Speaker 1: and you should know every two weeks how much money
Speaker 1: needs to be in that bill's account, and you can
Speaker 1: let them know, this is how much for my paycheck
Speaker 1: to put in that bill's account. Savings account number one,
Speaker 1: this is emergency unexpected savings, so you know, you might
Speaker 1: tell yourself, you know, one hundred and fifty, two hundred
Speaker 1: and three hundred, whatever that is, that's gonna go there.
Speaker 1: And then savings account number two and the fourth account
Speaker 1: is going to be long term savings. This is when
Speaker 1: you're saving for something big, either saving to invest savings
Speaker 1: and purchase a.
Speaker 2: Home, a car.
Speaker 1: And you can literally have hr split your money before
Speaker 1: you get your money. So if you're afraid, they're like, oh,
Speaker 1: I don't have to discipline, You ain't got that. Discipline says,
Speaker 1: you just gotta have four accounts and before that money
Speaker 1: gets here, you have the plan of how much it
Speaker 1: needs to go on each account, and you know that
Speaker 1: is already because you're gonna go to pay check City,
Speaker 1: and paycheck City is gonna break out for you how
Speaker 1: much you're gonna get. And if you do that, then
Speaker 1: you can literally live under your means without having to
Speaker 1: think about it because and you give yourself a little
Speaker 1: raised in every category. So you might say to yourself, Okay,
Speaker 1: i'm making an extra thousand, I'm going to absorb a
Speaker 1: three hundred to increase my lifestyle, and the seven hundred
Speaker 1: I'm gonna so some of that because you'll say, like, okay,
Speaker 1: in my checking account that's attached to my debit card,
Speaker 1: you know, an extra three hundred k land there, and
Speaker 1: I could do whatever I want with it. Or maybe
Speaker 1: you're going to purchase something and you're like, okay, I'm
Speaker 1: financing it temporarily and it's gonna be an extra hundred
Speaker 1: bucks a month. But you can tell yourself, allow yourself
Speaker 1: to absorb some of that new income and the rest
Speaker 1: you're going to have chopped up. If you do a
Speaker 1: split it before you get it, you will not miss it.
Speaker 1: I promise you. It will just land and you will
Speaker 1: swipe your card and knowing you're not you're not swiping
Speaker 1: bill money because you don't have a debit card for
Speaker 1: your bills account. You're not swiping emergency savings, and you're
Speaker 1: not swiping your long term savings. Your two checking should
Speaker 1: be at your regular bank wherever you bank now, and
Speaker 1: your two savings should be at an online only bank
Speaker 1: because it has a high yield savings accounts there. Or
Speaker 1: instead of getting paid zero zero zero zero zero zero
Speaker 1: point one percent, you might get four almost five percent
Speaker 1: on the money that you have saved there. If you
Speaker 1: do that, sick, you're going to be good at a
Speaker 1: good you gotta be great. But yeah, that's great. Honestly,
Speaker 1: if you do that, every single time you get a bump,
Speaker 1: you get a raise, you get a's pre planned for
Speaker 1: the money. You will see that you will make whatever
Speaker 1: your financial goals are. You'll be closer and closer. And
Speaker 1: because you have two little kids, and you know, the
Speaker 1: last thing I will say is at that, you know,
Speaker 1: making you know six figures of multiple six figures. You know,
Speaker 1: it's not a bad idea to consider infusing a certified
Speaker 1: financial planner into the mix. You know, it's not so
Speaker 1: like for me because I'm like growing wealth, Like I
Speaker 1: meet with my actually I have my meeting with her
Speaker 1: Angelie and my financial planner next week, but you don't
Speaker 1: have to meet with them regularly. You can literally get
Speaker 1: a certified financial planner that you just like they help
Speaker 1: you create a plan and it's a one off it's
Speaker 1: like twelve hundred dollars yea create a plan. You could
Speaker 1: just do that, or you can have someone that you
Speaker 1: speak to regularly, maybe you hire them for the year,
Speaker 1: annually or just kind of project base. You just say, hey,
Speaker 1: you know, sometimes there anywhere from like one hundred and
Speaker 1: fifty bucks an hour to three hundred dollars an hour
Speaker 1: to just basically talk through a financial thing that you're
Speaker 1: working through. So the key is you want to pay
Speaker 1: out of pocket, never of percentage of what you have invested,
Speaker 1: because that's going to be very expensive down the line.
Speaker 1: But like, especially if you have children, a financial planner
Speaker 1: will help you create plans for them, you know, if
Speaker 1: you want them to go to school or whatever. They'll
Speaker 1: help you with estate planning. But it has to be
Speaker 1: a certified financial planner. That's the gold star, the gold
Speaker 1: standard in the financial space. A c FP player hated degree.
Speaker 1: So you know, yeah, if you do that, you'll be good.
Speaker 2: Yeah, And I will say I mean times may have changed.
Speaker 3: But for educators, I know in a lot of public
Speaker 3: school systems, those folks are available. Like a lot of
Speaker 3: people miss the opportunity or don't recognize that they have
Speaker 3: a financial planner that's attached to their retirement or attached
Speaker 3: to Okay, I got a final question.
Speaker 2: I promise this is your business person for you, it's
Speaker 2: my business question.
Speaker 1: Okay, go ahead. We got allowed it, not allowing it.
Speaker 3: So this is me and on behalf of I want
Speaker 3: to say other women of color who have found themselves
Speaker 3: in similar positions as me. Okay, right, So we have have,
Speaker 3: through I say, the grace of God and our own
Speaker 3: gifts and talents, found ourselves in these positions as leaders,
Speaker 3: CEOs and presidents. And let's be real, we have basically
Speaker 3: used our intellectual property to make our way through right,
Speaker 3: to be able to support push up, pull forward the
Speaker 3: either the groups of people that we've led, or.
Speaker 2: The organizations or the institutions that we leave.
Speaker 3: What would be your advice to us in terms of
Speaker 3: our intellectual property and ensuring that we're not.
Speaker 2: Just giving away our gifts and talents, but that those
Speaker 2: gifts and talents are.
Speaker 3: Actually pulling back into our own financial security, our own
Speaker 3: financial legacy.
Speaker 2: What advice would you give?
Speaker 1: So it depends on where you work, right because you know,
Speaker 1: sometimes you know, I mean the people are you know,
Speaker 1: the point of these organizations is, you know, they want
Speaker 1: your gifts and talents. So you want to first make
Speaker 1: sure what is the policy here about how I can
Speaker 1: utilize my gifts and talents in a way that does
Speaker 1: not conflict with what I'm doing here, you know. And
Speaker 1: one of the best ways to do that typically is consulting.
Speaker 1: This is what I have seen from some of my
Speaker 1: friends who are like foot in the CEO to space,
Speaker 1: but also oftentimes they can't speak for money because of
Speaker 1: the position that they hold, which is okay, you know,
Speaker 1: but they are allowed to consult. Well, obviously you have
Speaker 1: to make sure that that is allowed within your the
Speaker 1: space where you work. Like I had a friend who
Speaker 1: who teaches people how to get like procurement like you know,
Speaker 1: and so, but she worked for the city, like you know,
Speaker 1: like looking at people's rfs and deciding. So it was
Speaker 1: you know, she but she had to ask like, hey,
Speaker 1: I teach people how to secure procurement. But then she's
Speaker 1: on the other side looking at people who want, you know,
Speaker 1: to secure procurement with the city, so she certainly had
Speaker 1: to ask. She actually and subsequently switching to another job
Speaker 1: that paid really well but allowed her to also have
Speaker 1: this business that she's starting. So consider consulting. Consider you know,
Speaker 1: I'm creating an LLC in a business, So not just
Speaker 1: consulting as like, hey, I'm Tiffany consulting. No, there's so many,
Speaker 1: so many tax benefits to a business because the government
Speaker 1: knows that like the back of this economy is built
Speaker 1: on the small businesses, and so as a result, there
Speaker 1: are so many tax benefits that are not available to
Speaker 1: the individual. So I would start, you know, like a
Speaker 1: lazy Robinson LLC and you know, and so allow the
Speaker 1: people to pay me through that, and then that way
Speaker 1: I can write off, like, girl, this hair, don't do yourself?
Speaker 1: Would I pay for this hand because guess what, I'm
Speaker 1: taping something next week, and so would I pay the
Speaker 1: one hundred two hundred dollars to get my hair retighten?
Speaker 1: Best believe budget needs to pay for that. Okay, there's
Speaker 1: certain clothes that I literally set aside that a just
Speaker 1: budget needs to close. Like I'm I'm pretty much a
Speaker 1: tomboy outside like the stage and so I'm like budget
Speaker 1: needs to have a set aside money for that and
Speaker 1: even better, like I was doing rent the runway, which
Speaker 1: is even better because it really proves I'm literally just
Speaker 1: renting these clothes for the time being for this particular business.
Speaker 1: So you want to be able to write things off
Speaker 1: by having and securing like having a business also too.
Speaker 1: The beautiful part of is is that this is what
Speaker 1: I learned from my friend who has a procurement business,
Speaker 1: is that then you can qualify for a small black
Speaker 1: woman owned business and allows you, you know, to potentially
Speaker 1: get even more contract work. And then I would also
Speaker 1: you know, like one of my one of my really
Speaker 1: great friends, Tony, she's also my attorney. Shout out to
Speaker 1: Tony Moore, the best attorney in the world. A sister,
Speaker 1: because you know, we love a smart sister. Tony used
Speaker 1: to remind me, I remember one time I was working
Speaker 1: with I'll just keep it like, I was working with
Speaker 1: people who I didn't trust, and I was they did
Speaker 1: something that was kind of underhanded and I was like, ooh,
Speaker 1: and Tony found it in one of our contracts. I said, ooh,
Speaker 1: grum about to tail her off and told her to
Speaker 1: She said Tiffany, everyone doesn't need to know how smart
Speaker 1: you are. And I was like, come here, come out.
Speaker 1: Everyone doesn't need to know how smart you are. There
Speaker 1: are instances where it is best for people to underestimate
Speaker 1: you so they can show their hand and you can
Speaker 1: move accordingly. And I was like, what so I can't
Speaker 1: tell her off? She's said now because she was like,
Speaker 1: look how she's exposing all of these things and as
Speaker 1: a result, we're putting it in a contract. And look
Speaker 1: how you've locked in a contract that is overly unfavorable
Speaker 1: and you're because she does not know how smart you are.
Speaker 1: So she's just telling me on And I was like, oh, girl,
Speaker 1: I guess you know. But she was right, you know,
Speaker 1: you know, she was like calling a girlfriend and fuss
Speaker 1: fuss with a girlfriend, you know, be like girl, you
Speaker 1: know you know, She's like, that's what you call them for.
Speaker 1: But now let them expose their hand and think that
Speaker 1: you don't know, you know, mean, while I'm over here,
Speaker 1: it's like, she said, what notpen in a contract? What
Speaker 1: else does she say? So I say that to say
Speaker 1: that where you work, if you know that this is
Speaker 1: not your forever, forever, forever spot, you don't have to
Speaker 1: bring all of your brilliance here. Everyone you can set
Speaker 1: aside like and this is for me to the side
Speaker 1: and work on projects that you plan to launch when
Speaker 1: you're not there. You know, come on, you know that's
Speaker 1: what I would be doing.
Speaker 2: Now.
Speaker 1: The beautiful thing is certainly you could test out some
Speaker 1: hypotheses where you are, which is great because Chad, while
Speaker 1: we're here, we're gonna learn. But it doesn't mean that
Speaker 1: I have to roll out the full idea here necessarily
Speaker 1: because I'm saving that from me and my LLC, you know,
Speaker 1: So like just keeping that in mind that like you know,
Speaker 1: like you know, I can build this. You know, this
Speaker 1: is a good tester and I'm building it and I'm
Speaker 1: you know, this doesn't take away from the company. But
Speaker 1: you don't have you don't you don't owe it to
Speaker 1: anyone to give your you know, your life's blood in
Speaker 1: every drop of brilliance now where they say that at no,
Speaker 1: you don't have to do all that, you know. So yeah,
Speaker 1: so that's what I would say is that, like get
Speaker 1: your a LLC consider some consulting work also too. You know,
Speaker 1: you've got a really great network and so you know,
Speaker 1: asking people in your space I'm very candid how you
Speaker 1: make money? Literally, I was asking, you know, I was
Speaker 1: just asking in front of my yesterday. I was like, well, girl,
Speaker 1: how are you making money like that? She was like, oh,
Speaker 1: I'm doing this, and I'm like, oh, that's funny. I
Speaker 1: was just like, Okay, good to know because when you
Speaker 1: do that, because you want your friends in the space
Speaker 1: when they figure out a new way to make money
Speaker 1: to tap you on the shoulder and you're like, child, look,
Speaker 1: I just learned how to make money in this way.
Speaker 1: Here's the thing you want to try. And like I said, again,
Speaker 1: save some of that brilliance for you. Test that your
Speaker 1: hypotheses in the space that you're in now. But save
Speaker 1: some brilliance for you if you have it in your
Speaker 1: mind that one day you're going to step out and
Speaker 1: just be you yourself. This is for anyone you know listening.
Speaker 1: You know you don't owe to anyone to give all
Speaker 1: your things. Everyone doesn't need to know how smart you are.
Speaker 1: You know you can say some things for yourself. There's
Speaker 1: nothing morally wrong with that. And so yeah, and then
Speaker 1: you know, the beautiful thing that, like my friend Cabra
Speaker 1: always reminds me, is that you are like you know,
Speaker 1: the sauce sold separately, you know, like it's you. You're like,
Speaker 1: you know sometimes you think you said, oh, you know,
Speaker 1: someone's going to be able to do the things. No,
Speaker 1: because the sauce is sold separately, you know, like everybody
Speaker 1: can baked chicken, but is it flavored sins?
Speaker 3: Like what is this?
Speaker 1: Like you know what I mean? You are the sauce
Speaker 1: and it is sold separately, and where you are is
Speaker 1: where it goes. You know, you never have to wonder
Speaker 1: because people can only ever do if they're copying you
Speaker 1: what you've already done. They're late, yes, they're yes. You
Speaker 1: take that brilliance with you, and then as long as
Speaker 1: you carry that with you and you have a good network,
Speaker 1: Like network, especially networking with other amazing black women is
Speaker 1: so critically important.
Speaker 2: You know.
Speaker 1: Like when we tatted on the phone, I just learned
Speaker 1: so much and I was like, oh, my mind just
Speaker 1: like exploded about what what's possible in this space, you know,
Speaker 1: and so like that's important too, to have a network
Speaker 1: of people that you could just pour into and be
Speaker 1: poured into by you know.
Speaker 2: So yeah, I will tell you the best the best
Speaker 2: advice you gave me just lifted my soul.
Speaker 3: You said, Lucy, you ain't never gonna be broke because
Speaker 3: the brilliance that got you where you are.
Speaker 2: Now it's the same brilliance you want. And I said,
Speaker 2: you know what, and that post traumatic brokes in said
Speaker 2: broke a chain, Honey. I was much around the house.
Speaker 2: I was like, the change have been broken.
Speaker 1: You are brilliant. It's like, girl, I'm sorry, does that
Speaker 1: brain not work?
Speaker 2: Girl?
Speaker 1: Please? It's like you're here people like if you threw
Speaker 1: me into the wild, that is I would come that.
Speaker 1: We're in a lion skin and it's like that's your
Speaker 1: like you are the sauce. Like as long as you
Speaker 1: know that, you carry that with you. Please like you
Speaker 1: are And I know that about myself. It took me
Speaker 1: a while to learn that, but I was a tivvy.
Speaker 1: You will never be broke. There is always a phone
Speaker 1: call I can make. There is always someone who I
Speaker 1: can help who is willing to pay for that help always,
Speaker 1: And so I might not make as much as i'd like,
Speaker 1: but I'm not going to be broke.
Speaker 3: You know.
Speaker 1: You know, when you make it a business of helping
Speaker 1: other people, people will pour back into you when you're
Speaker 1: in need. So you you're you will be fine. It's
Speaker 1: just like knowing that and then navigating from that space
Speaker 1: that's critical. You don't want to navigate from a space
Speaker 1: of like I feel this deficit. You want to navigate
Speaker 1: from the space of like, No, I will always be fine,
Speaker 1: like I the safety nets are in place. I don't
Speaker 1: actually have to play safe. I can go leap and
Speaker 1: jump like safety nets are in place.
Speaker 2: You know, women the Boston listening, it is because you
Speaker 2: have just dropped some knowledge and they need to understand it.
Speaker 3: And we as black women, we as women of color,
Speaker 3: have to consistently tell each other that you are brilliant. Yes,
Speaker 3: what got you here is not just gonna keep you here,
Speaker 3: It's gonna stratusy, It's gonna push you to the next
Speaker 3: stratus there.
Speaker 2: And I love that about you. You reminded me about
Speaker 2: that about myself.
Speaker 3: And I love that you just said that spoke that
Speaker 3: to all of the brilliant women out there that are
Speaker 3: on that trajectory of president CEO leadership, that.
Speaker 2: Their brilliance is within them. They have everything that they need.
Speaker 1: To succeed everything. And this is a little bland. They
Speaker 1: had a black promo. If I know you already know
Speaker 1: that I do have a number of mentees. I think
Speaker 1: right now we're up to thirty seven hundred mentees in
Speaker 1: our Patreon my mentor I now Patriot's currently twenty bucks
Speaker 1: a month. Girl, and that's nothing. Oh it's a lie.
Speaker 1: We get a women have lazy comespeed because a girl
Speaker 1: would love you. So I like to have guest speakers sometimes,
Speaker 1: so once a month you get a live lesson and
Speaker 1: sometimes it's me, sometimes it's a guest speaker, like the
Speaker 1: we have a guest speaker coming. Doctor Ortiz, who I mentioned,
Speaker 1: is the Vice superintendent of the City of Newark. She's
Speaker 1: coming to talk about curriculums. Like, you know, you all
Speaker 1: want to make these courses and you want to sell curriculums.
Speaker 1: She's like, here's what they ought to look like. So
Speaker 1: she's teaching that class, which I'm excited about. There's also
Speaker 1: a weekly like kind of like chats business chats with
Speaker 1: the other mentees that you get to do digitally. There's
Speaker 1: a monthly networking session that is so much fun that
Speaker 1: they do. And also I like to come meet the
Speaker 1: mentees in person. So when I have a speaking engagement
Speaker 1: in the city, I'm making my business to go out
Speaker 1: to dinner with about twenty to twenty five and we
Speaker 1: have all the time.
Speaker 3: M hm.
Speaker 1: That's what you want to know. DC that time that
Speaker 1: I did the wealth walk, right, you want to rest?
Speaker 2: Yes? So we did.
Speaker 1: We did. We did a mentee meetup and it was
Speaker 1: so good, just like it's so amazing, just twenty five
Speaker 1: black brown women talking about their businesses, you know, sharing
Speaker 1: what they need. And there were so many educators in
Speaker 1: that space, so many and to see them intermingle, like
Speaker 1: gird your work where you do what I do, that
Speaker 1: I can help you with this. It was amazing. So
Speaker 1: if you want to be a mentee, head on over
Speaker 1: to my mentor Tiffany dot com. Join us over there.
Speaker 1: It's good over there or whatever. But I'd be remiss
Speaker 1: to saying other educators. If you're an educator, or you
Speaker 1: know an educator, or your friends with an educator, you
Speaker 1: mad to educator, you gave birth to an educator child,
Speaker 1: go ahead on over and get you justice seekers. Lacey
Speaker 1: Robertson's new book, Pursuing Equity in the Details of Teaching
Speaker 1: and Learning because children truly are our future and without education,
Speaker 1: that is glean. What does glean stand for? Again?
Speaker 3: Lacey Glean is a grade level engaging, affirming, meaningful instruction.
Speaker 1: I love that and so without that, you know, like
Speaker 1: what are we actually doing? You know? I used to
Speaker 1: always tell my parents when I talk, like this is
Speaker 1: the baby that's gonna knock you over the head when
Speaker 1: you eight years old and steal your purse, or the
Speaker 1: one that's going to like do your open heart surgery.
Speaker 1: You know, we going to the hospital. So it really
Speaker 1: it's you and how you treat this child that's going
Speaker 1: to depend on how you gonna meet them later on
Speaker 1: their life, because you're going to meet them later on
Speaker 1: their life.
Speaker 2: Yes you are, Yes you are.
Speaker 1: And so Lacy, where can they get your book? Just
Speaker 1: the Seekers, So Justice.
Speaker 3: Secrets available at any You can go to Amazon, you
Speaker 3: can go to Barns and Nobles Target.
Speaker 2: I was in Books a Million this morning.
Speaker 3: I saw it there. So you can go online. You
Speaker 3: can go to Unbounded dot org to our website, my
Speaker 3: company's website, and it has the QR code where you
Speaker 3: can order the book straight from the publisher.
Speaker 1: Yeah, and they follow you if they want to connect
Speaker 1: and follow you, because he's awesome about they homme jown
Speaker 1: you know what I'm saying that's close.
Speaker 3: So you can follow me on Instagram at unbounded dot
Speaker 3: org or at ms ms Lacy Robinson, same thing Facebook,
Speaker 3: unbound a dot org or miss Lady Robinson.
Speaker 2: You can find me on LinkedIn and also on Twitter.
Speaker 2: My Twitter handle is miss Lacey Robinson or unbounded dot org.
Speaker 1: So so I just want to say thank you so
Speaker 1: much Lazy for comming. You are really like your book,
Speaker 1: which is youall know, just a ray of subject. First
Speaker 1: of all, these glasses are giving life on if you
Speaker 1: watched our on YouTube like we told you too, you
Speaker 1: could see her beautiful, amazing glasses. No, but just thank
Speaker 1: you for coming. Thank you for the work that you
Speaker 1: do because you know, at this space is not easy
Speaker 1: and you know, so many of us, like I mentioned before,
Speaker 1: top down because it just got to be too much.
Speaker 1: But we need, you know, we need us still here
Speaker 1: and to know that not only are you here, you
Speaker 1: are in you know, like you are on top, you know,
Speaker 1: like you are leading an organization that is leading other
Speaker 1: you know, educators. So we're just really grateful for you.
Speaker 2: Thank you, thank you so much, Thank you so much
Speaker 2: for the opportunity.
Speaker 1: And we'll be back in black and BN A and
Speaker 1: Q and A next week, y'all so send us to
Speaker 1: your favorite educator yet, no, they need to hear it. Okay,
Speaker 1: I'll see you next week by yea