WEBVTT - Flashback Episode: Bet On Yourself w/Jamila Souffrant

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<v Speaker 1>Hey, hey, hey, ba fam. It's Mandy here and we

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<v Speaker 1>want to wish you guys a very special Thanksgiving. To

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<v Speaker 1>celebrate the holiday, and just to sort of regroup, take

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<v Speaker 1>a pause and look back at some of our favorite

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<v Speaker 1>moments from twenty twenty one. We thought we would start

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<v Speaker 1>with this amazing throwback to our guest co host Jamila Soufrant.

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<v Speaker 1>Back in May, Jamilla joined me and you may have listened,

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<v Speaker 1>but have you heard the full conversation since Jamila joined?

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<v Speaker 1>If not, I really hope you take time to listen.

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<v Speaker 1>Jamilla is the founder of Journey to Launch, which is

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<v Speaker 1>a platform and podcast all about helping people reach fire,

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<v Speaker 1>financial independence and retiring early. I think you guys are

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<v Speaker 1>really going to be inspired by Jamilla's story of how

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<v Speaker 1>she went full time as an entrepreneur. She's a mommy

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<v Speaker 1>of three. She really started building wealth when she bought

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<v Speaker 1>her first condo in Brooklyn in the early two thousands.

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<v Speaker 1>I hope you guys enjoy this little look back at

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<v Speaker 1>our conversation with Jamila. Heyba fam, I can't believe we've

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<v Speaker 1>already passed the halfway mark to June. How have I

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<v Speaker 1>survived this long without my girl? Tiffany I'll tell you what,

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<v Speaker 1>these guest co hosts have been phenomenal. Everyone has been

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<v Speaker 1>so gracious, so game to chat with me and open

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<v Speaker 1>up about their financial journeys, and today's co host, I

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<v Speaker 1>have to say, is no different. Jamila Souffran is the

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<v Speaker 1>founder of Journey to Launch, which if you have not subscribed,

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<v Speaker 1>stop this podcast. Okay, fine, you can probably multitask. So

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<v Speaker 1>go to Apple or to Spotify or wherever you get

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<v Speaker 1>your podcasts and go find her podcast and subscribe and follow.

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<v Speaker 1>Jamila founded Journey to Launch in twenty sixteen after she

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<v Speaker 1>decided during her three hour commute yes from Brooklyn to

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<v Speaker 1>New Jersey to her corporate six figure job, that she

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<v Speaker 1>was done capital d done. She eventually quit her corporate

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<v Speaker 1>job after having her third beautiful child and went on

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<v Speaker 1>her journey to retire early. It was along the way

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<v Speaker 1>that Jamila realized, you know, retiring early didn't have to

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<v Speaker 1>be something that was put on the back burner for ten, twenty,

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<v Speaker 1>even thirty years. She decided to build the lifestyle today

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<v Speaker 1>that would not only help her get to a place

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<v Speaker 1>of financial independence, but actually help her find a career

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<v Speaker 1>in a professional platform that would fulfill her in wayte

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<v Speaker 1>that her nine to five job just never could. I

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<v Speaker 1>hope you guys enjoyed my conversation with Jamila and getting

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<v Speaker 1>to know her a little bit better. I honestly think

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<v Speaker 1>between the stories about her husband and my husband, and

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<v Speaker 1>her journey to motherhood and the fact that she left

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<v Speaker 1>Corporate America, I just felt like Jamila and I were

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<v Speaker 1>talking to each other at the exact right time that

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<v Speaker 1>I needed it. Please enjoy my conversation with Jamila, and

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<v Speaker 1>if you haven't yet, go check her out on all

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<v Speaker 1>social media. She's at journey to launch. And while you're

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<v Speaker 1>at it, I have a little tiny additional request for

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<v Speaker 1>you guys. Whether you've been enjoying Brown Ambition for the

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<v Speaker 1>entire six years we have been on the air, or

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<v Speaker 1>even if you just found our podcast six days ago,

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<v Speaker 1>we would really appreciate if you went to Apple Podcasts

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<v Speaker 1>and left us a five star review. Right now, Brown

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<v Speaker 1>Ambition honestly is not sitting where it deserves to be sitting.

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<v Speaker 1>I'm just going to go ahead and say it on

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<v Speaker 1>the podcast rankings, not by a virtue of downloads. We

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<v Speaker 1>get amazing downloads from our loyal listeners. Honestly, what's hurting

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<v Speaker 1>us right now is the lack of fresh review so

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<v Speaker 1>it only takes a couple of seconds. Find Apple podcasts

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<v Speaker 1>wherever you listen to your wherever your smartphone or your

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<v Speaker 1>desktop computer is. Leave us a fire star review. Doesn't

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<v Speaker 1>have to be long, can be five words, ten words, fifteen,

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<v Speaker 1>one hundred words. If you're feeling, you know, very verbose,

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<v Speaker 1>leave us a review and show your love for Brown Ambition.

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<v Speaker 1>Let's get us to the top of the chart arts.

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<v Speaker 1>Y'all know, I know, be a fan will not let

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<v Speaker 1>us down. Okay, that's it for me until we come

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<v Speaker 1>back in a brief moment with today's show featuring Jamila

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<v Speaker 1>Souffrant of Journey to Launch. Hey, Hey, hey, everybody, I

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<v Speaker 1>am so excited to introduce you to this week's guest

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<v Speaker 1>co host. I have to say this whole guest co

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<v Speaker 1>host situation has been a little well, first, I was

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<v Speaker 1>a little bit nervous to have someone in the chair

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<v Speaker 1>besides Tiffany, But it has been so amazing to talk

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<v Speaker 1>to these these wonderful personalities, these wonderful personal finance nerds,

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<v Speaker 1>people who have made it there's their life's mission. Just

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<v Speaker 1>like we have to really encourage folks to build wealth

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<v Speaker 1>and take control of their finances. And today's co host

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<v Speaker 1>is no different. Jamila Soufran, Thank you so much for

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<v Speaker 1>joining Brown Ambition.

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<v Speaker 2>Hi Mandy, this is so exciting for me. So I

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<v Speaker 2>can't even tell you.

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<v Speaker 1>Hey, you're finally here. Yes, podcast sisters from Afar, So

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<v Speaker 1>tell me everything about out you, Okay, So first and foremost,

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<v Speaker 1>I know I'm gonna do your little intro separately, but

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<v Speaker 1>your podcast is called Journey to Launch. What came first?

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<v Speaker 1>Was it your was it your blog? Journey to Launch?

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<v Speaker 1>Was it the podcast?

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<v Speaker 2>You know?

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<v Speaker 1>Did you? Did you discover financial independence, retire early movement

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<v Speaker 1>and then launched a podcast? Tell me everything I want

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<v Speaker 1>to know about the Jamila origin.

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<v Speaker 3>Well, it's like what came first? A journey or the launch?

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<v Speaker 2>So okay, for me, it's always a journey, is the

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<v Speaker 2>first part of the process. I really discovered financial independence

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<v Speaker 2>and this idea about financial freedom and just optimizing your

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<v Speaker 2>finances because I was not happy at my job. I

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<v Speaker 2>had a nine to five, a crazy commute and was

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<v Speaker 2>commuting from Brooklyn to New Jersey every.

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<v Speaker 3>Day and I was doing that for years.

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<v Speaker 2>So yeah, in my early twenties, I that's what I did.

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<v Speaker 2>I graduated from school, got full time job, and it

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<v Speaker 2>was always a commute from Brooklyn to New Jersey. But

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<v Speaker 2>that was when I didn't have any kids. That was

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<v Speaker 2>when I was single, you know, it was I had

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<v Speaker 2>more capacity for that. But I always had these dreams

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<v Speaker 2>that I'd be free, like I was one of those

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<v Speaker 2>kids that I grew up and I just felt like

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<v Speaker 2>I thought differently. I just didn't like following the rules,

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<v Speaker 2>and so I never imagined myself working in a corporate

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<v Speaker 2>environment forever, Like even if that was going to be

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<v Speaker 2>the case, I was going to be done by thirty.

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<v Speaker 2>That was my goal when I started to work full

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<v Speaker 2>time at twenty two. I'm going to find a way

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<v Speaker 2>to escape this cubicle life by thirty years old. And

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<v Speaker 2>then life happened. Started to make a little bit more

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<v Speaker 2>money in my career bills, and I couldn't really figure out,

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<v Speaker 2>how am I not going to work and pay for

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<v Speaker 2>the lifestyle I want and live like everyone around me

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<v Speaker 2>works until they retire. Everyone around me is not happy,

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<v Speaker 2>So who am I to like want more? And it

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<v Speaker 2>was really when I was commuting again in my early thirties.

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<v Speaker 2>So now I've been working in corporate America for a while,

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<v Speaker 2>I missed this deadline of quitting my job by thirty.

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<v Speaker 2>Now I'm thirty one, pregnant with my first son on

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<v Speaker 2>this commute from Brooklyn failure.

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<v Speaker 1>You know, I.

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<v Speaker 2>Well, you know, I'm listening. I'm ambitious, I have that

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<v Speaker 2>brown ambition. Yeah. So I was like, okay, thirty one,

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<v Speaker 2>non pregnant, and this commute usually it takes me an

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<v Speaker 2>hour and a half, two hours one way driving. Okay,

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<v Speaker 2>this commute one way. When I was pregnant with my

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<v Speaker 2>first son, it was like three four hours, no lie

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<v Speaker 2>of just traffic everywhere, and I remember like breaking down

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<v Speaker 2>in the car, you know, just crying, hormones raging, and

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<v Speaker 2>I was like, I'm not doing this.

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<v Speaker 3>I can't do this.

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<v Speaker 2>So the those feelings of wanting to be free really

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<v Speaker 2>swallowed up in me again. And I feel like I

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<v Speaker 2>awoke in from the sleepwalking life that I was living,

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<v Speaker 2>and I said to myself, there's no way that I

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<v Speaker 2>want to do this rest of my life. I have

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<v Speaker 2>to figure out something else. And so I started to

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<v Speaker 2>when I got home, when I got to work. You know,

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<v Speaker 2>over the next couple of months, how do I quit

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<v Speaker 2>my job? How do I retire? Early all these catchphrases

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<v Speaker 2>that you, you know, put into Google when you may

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<v Speaker 2>not be happy with what you're doing. And I came

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<v Speaker 2>across podcasts and blogs talking about financial independence and freedom

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<v Speaker 2>and I said, wait a second, if there are people

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<v Speaker 2>out there doing this, I can figure out a way.

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<v Speaker 2>And so that's essentially how I started to become aware

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<v Speaker 2>of this as an option financial independent. And then I

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<v Speaker 2>started to listed to the blogs and podcasts on my commute,

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<v Speaker 2>which then shaped me into starting my own blog, Journey

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<v Speaker 2>to Launch, which eventually became the podcast and brand and

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<v Speaker 2>what I do full time.

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<v Speaker 1>Now, Okay, wow, that was a great summary, but it

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<v Speaker 1>made it sound like it was just like, look at

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<v Speaker 1>it split. I was pregnant and then I had a

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<v Speaker 1>blog and a podcast. But what year was it? I

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<v Speaker 1>like to I like the timeline of things. So when

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<v Speaker 1>was this? When was this breakdown in your car? By

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<v Speaker 1>the way, my pregnancy hormonal breakdowns usually happened during an

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<v Speaker 1>Ed Sheering song whenever Ed Shearing came with it, something

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<v Speaker 1>about his ginger voice. It just really touched my soul.

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<v Speaker 1>But anyway, yeah, so when was that breakdown? And then

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<v Speaker 1>when did you actually launch the platform?

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<v Speaker 3>Great question?

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<v Speaker 2>So let me try to remember all the dates now,

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<v Speaker 2>but I was so I gave birth to my first

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<v Speaker 2>in twenty fourteen, and so this would have been about

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<v Speaker 2>twenty thirteen at some point, and I would say this,

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<v Speaker 2>So I told the story, and it seems like I

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<v Speaker 2>just you know, jumped and skipped and everything worked out

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<v Speaker 2>and it was clear.

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<v Speaker 3>But it wasn't.

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<v Speaker 2>I didn't start journey to launch as a blog until

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<v Speaker 2>a couple of years later. So you know, I sat

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<v Speaker 2>on it for a while because I didn't know what

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<v Speaker 2>I wanted to do with it, and I didn't want

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<v Speaker 2>to be like the face. I didn't know that this

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<v Speaker 2>would be my thing, like my business, my brand. It

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<v Speaker 2>was more, hey, i'm listening to these people do it.

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<v Speaker 2>I'm going to start doing it myself and then let

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<v Speaker 2>me share how I'm doing it. And so it wasn't

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<v Speaker 2>I think the blog officially started. I always get this

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<v Speaker 2>mixed up, like two thousand and sixteen, I want to say,

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<v Speaker 2>so it did take a couple of years for me

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<v Speaker 2>to actually like put pen to paper or is this,

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<v Speaker 2>you know, make a blog post about it.

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<v Speaker 3>Hey, this is how.

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<v Speaker 2>I'm going to quit my job and reach financial inpendance

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<v Speaker 2>by forty that was like my timeline, and I had

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<v Speaker 2>I was with my second kid by then, so I

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<v Speaker 2>have three kids all together now. So there were a

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<v Speaker 2>lot of you know, things that happened along the way

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<v Speaker 2>that even encouraged me more to figure things out than

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<v Speaker 2>the podcast though became the Well, the blog became the

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<v Speaker 2>podcast officially in twenty seventeen, so it took a couple

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<v Speaker 2>of years for that to all happen.

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<v Speaker 1>Wow. Well, from one solo, h I was what was

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<v Speaker 1>I trying to think of, like the people in the

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<v Speaker 1>slobbal chairs at work, you know, using the company Wi

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<v Speaker 1>Fi LAUNCHERR side hustle, Like I really, I see you,

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<v Speaker 1>I feel you. That was me when I launched Brown Ambition.

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<v Speaker 1>So that's amazing. And you also had three kids along

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<v Speaker 1>the way. All right, so that's your goal then to

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<v Speaker 1>retire officially by forty.

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<v Speaker 3>Well okay, so here's the thing.

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<v Speaker 2>This is the beauty of what I call the unfolding

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<v Speaker 2>of the journey is because when I started Journey to Launch,

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<v Speaker 2>I said I'm going to reach financial independence my version

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<v Speaker 2>of it, by the way, which meant I didn't have

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<v Speaker 2>to work in corporate America. I can literally choose what

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<v Speaker 2>I wanted to do. We can live off our investments,

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<v Speaker 2>I will say, because I don't like when people leave

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<v Speaker 2>things like this out. I do have a husband. He

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<v Speaker 2>did intend to still work. He's a teacher, and so

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<v Speaker 2>it was like a combination of him still working but

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<v Speaker 2>also us living off our investments and or me earning

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<v Speaker 2>money however I wanted to. But the premise was that literally,

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<v Speaker 2>if we didn't want to work, or if I didn't

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<v Speaker 2>want to work and bring in any money, we didn't

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<v Speaker 2>have to. And then eventually, like my idea of what

0:10:55.000 --> 0:10:57.800
<v Speaker 2>financial freedom and independence meant to me changed because I

0:10:57.840 --> 0:11:01.360
<v Speaker 2>started to have this thing on this side, Journey to Launch.

0:11:01.400 --> 0:11:04.920
<v Speaker 2>I had a very demanding corporate career, was having more kids,

0:11:05.000 --> 0:11:06.719
<v Speaker 2>and I said to myself, there's no way I'm not

0:11:06.760 --> 0:11:09.720
<v Speaker 2>even going to sacrifice the next four years juggling this

0:11:09.760 --> 0:11:12.679
<v Speaker 2>all and being unhappy, this two hour commute one way,

0:11:13.120 --> 0:11:16.560
<v Speaker 2>these kids, this job, this business on the side. Something

0:11:16.559 --> 0:11:18.680
<v Speaker 2>has to go. And you know, the kids weren't going

0:11:18.760 --> 0:11:20.320
<v Speaker 2>to go, the cousband wasn't going to go, and I

0:11:20.360 --> 0:11:22.720
<v Speaker 2>love Journey to Launch, so it was the job. And

0:11:22.800 --> 0:11:26.360
<v Speaker 2>so I actually made the big decision for myself and

0:11:26.400 --> 0:11:28.680
<v Speaker 2>the family that I would leave my job right after

0:11:28.720 --> 0:11:32.600
<v Speaker 2>giving birth to my third child in twenty eighteen, which

0:11:32.640 --> 0:11:35.120
<v Speaker 2>would change everything about my journey because I could have

0:11:35.160 --> 0:11:37.400
<v Speaker 2>stayed working in corporate America kind of getting this so

0:11:37.520 --> 0:11:40.560
<v Speaker 2>called guaranteed income, you know, climbing the corporate ladder, and

0:11:40.600 --> 0:11:41.600
<v Speaker 2>just it's all about the money.

0:11:41.600 --> 0:11:42.800
<v Speaker 3>I don't care how stressed I am.

0:11:42.840 --> 0:11:44.160
<v Speaker 2>Like, I'm going to make this money in this short

0:11:44.160 --> 0:11:47.000
<v Speaker 2>amount of time, save and invest as much as I can.

0:11:47.360 --> 0:11:50.400
<v Speaker 2>Then we reach our financial goals. And along the way,

0:11:50.440 --> 0:11:51.880
<v Speaker 2>I said to myself, you know what, it is not

0:11:51.920 --> 0:11:54.360
<v Speaker 2>worth it. I'd rather have a more sustained and balanced

0:11:54.440 --> 0:11:57.040
<v Speaker 2>journey to freedom. So if that means making less because

0:11:57.040 --> 0:11:59.720
<v Speaker 2>this business is not coming, you know, having a lot

0:11:59.760 --> 0:12:01.760
<v Speaker 2>of mine. You know, my husband's a teacher, so his

0:12:01.840 --> 0:12:04.240
<v Speaker 2>income was not going to cover everything when I left

0:12:04.240 --> 0:12:06.760
<v Speaker 2>my job, So that meant dipping into our savings and

0:12:06.800 --> 0:12:09.640
<v Speaker 2>not investing, it was all worth it because for me,

0:12:09.760 --> 0:12:11.400
<v Speaker 2>it was about freedom in the now.

0:12:11.480 --> 0:12:12.280
<v Speaker 3>I didn't want to wait.

0:12:12.520 --> 0:12:14.920
<v Speaker 2>To me, it was like, you know, some people say, oh,

0:12:14.960 --> 0:12:16.640
<v Speaker 2>I'll just work this job until I'm sixty five and

0:12:16.640 --> 0:12:18.679
<v Speaker 2>then I'll be happy. And I said to myself, while

0:12:18.679 --> 0:12:21.400
<v Speaker 2>I find myself on this path to financial independence. The

0:12:21.440 --> 0:12:24.319
<v Speaker 2>one thing I didn't say is when we started out

0:12:24.320 --> 0:12:26.840
<v Speaker 2>and we were both working in our jobs, we were

0:12:26.880 --> 0:12:28.760
<v Speaker 2>able to save a lot of money because I had

0:12:28.800 --> 0:12:31.520
<v Speaker 2>a high paying job. My husband was a teacher, and

0:12:31.600 --> 0:12:34.199
<v Speaker 2>so we in two years saved and invested one hundred

0:12:34.200 --> 0:12:36.520
<v Speaker 2>and sixty nine thousand dollars. Now, of course that is

0:12:36.520 --> 0:12:39.360
<v Speaker 2>a function of our income and just how kind of

0:12:39.360 --> 0:12:40.719
<v Speaker 2>hard we went in the paint.

0:12:40.520 --> 0:12:41.040
<v Speaker 3>To do that.

0:12:41.360 --> 0:12:43.480
<v Speaker 2>But I said to myself, it's okay if we don't

0:12:43.520 --> 0:12:45.760
<v Speaker 2>ever do that again, because right now, as a mom

0:12:45.960 --> 0:12:49.400
<v Speaker 2>of going on three kids and wanting freedom, finding my

0:12:49.520 --> 0:12:52.440
<v Speaker 2>passion finally with journey to launch, I this is what

0:12:52.559 --> 0:12:54.600
<v Speaker 2>matters the most, not the money. And so I always

0:12:54.640 --> 0:12:57.760
<v Speaker 2>say that me quitting my job and jumping into entrepreneurship

0:12:57.760 --> 0:13:02.400
<v Speaker 2>full time either has delayed the number side to financial independence.

0:13:02.440 --> 0:13:04.200
<v Speaker 2>So maybe it will take longer now that you know

0:13:04.240 --> 0:13:07.319
<v Speaker 2>there's no guaranteed income. Anything can happen, or it can

0:13:07.360 --> 0:13:09.880
<v Speaker 2>accelerate it, which I actually think it's accelerating it at

0:13:09.880 --> 0:13:12.679
<v Speaker 2>this point because I am working in my strengths and

0:13:12.679 --> 0:13:17.079
<v Speaker 2>passion and I do believe that with that flow comes money, comes.

0:13:16.800 --> 0:13:17.920
<v Speaker 3>All the things that you do want.

0:13:18.040 --> 0:13:20.800
<v Speaker 2>So yeah, my version of financial independence and how I'm

0:13:20.800 --> 0:13:23.240
<v Speaker 2>getting there has changed, and I'm excited about it.

0:13:23.840 --> 0:13:26.640
<v Speaker 1>Manifested, I love this. Yeah, well, okay, there's so much

0:13:26.679 --> 0:13:28.520
<v Speaker 1>to unpack with what you just said. But the most

0:13:28.600 --> 0:13:31.600
<v Speaker 1>the key thing that my heart is just you know,

0:13:31.800 --> 0:13:34.800
<v Speaker 1>growing ten times at size as you're talking, is the

0:13:34.840 --> 0:13:38.920
<v Speaker 1>concept of weight like that that analogy of someone who

0:13:39.000 --> 0:13:41.839
<v Speaker 1>wants to you know, just thinks of themselves. Okay, I'm

0:13:41.840 --> 0:13:43.640
<v Speaker 1>just going to keep working. I'm just I got this job.

0:13:43.679 --> 0:13:46.560
<v Speaker 1>There's a pension in twenty maybe if you're lucky, there's

0:13:46.559 --> 0:13:48.800
<v Speaker 1>a pension, or you know, you'll get your Social Security

0:13:48.800 --> 0:13:50.600
<v Speaker 1>in come. I'm just going to keep working until I'm

0:13:50.640 --> 0:13:54.000
<v Speaker 1>sixty two or sixty five. But what like that time

0:13:54.080 --> 0:13:57.280
<v Speaker 1>isn't promised. And what I love about you know, your

0:13:57.320 --> 0:13:59.640
<v Speaker 1>message and what it seems like you've chosen for yourself

0:13:59.720 --> 0:14:03.360
<v Speaker 1>is let's let's build the life that we enjoy, that

0:14:03.400 --> 0:14:07.440
<v Speaker 1>fulfills us. Now that also is a financially fulfilling life

0:14:07.440 --> 0:14:10.760
<v Speaker 1>as much as it is you know, mentally fulfilling life.

0:14:10.840 --> 0:14:13.880
<v Speaker 1>And then you know, whatever happens happens. But like she like,

0:14:13.920 --> 0:14:17.079
<v Speaker 1>it's it's like not waiting to be happy, it's making

0:14:17.400 --> 0:14:20.920
<v Speaker 1>it's taking risks and making decisions today to get to

0:14:20.920 --> 0:14:22.960
<v Speaker 1>where you want to go, but to actually enjoy the

0:14:23.000 --> 0:14:26.520
<v Speaker 1>life that you're living now. I just I love that

0:14:26.840 --> 0:14:29.640
<v Speaker 1>and I've that's exactly sort of how I've approached my

0:14:29.760 --> 0:14:32.880
<v Speaker 1>career as well. It's like time isn't promise. Something about

0:14:32.920 --> 0:14:35.960
<v Speaker 1>having a baby just makes you think of death all

0:14:36.040 --> 0:14:38.880
<v Speaker 1>the time, and I don't know, like like what happens,

0:14:38.920 --> 0:14:41.160
<v Speaker 1>Like their life is so you know, their childhood is

0:14:41.200 --> 0:14:44.480
<v Speaker 1>so short, and you know, it's it's like, why let's

0:14:44.520 --> 0:14:46.280
<v Speaker 1>not wait, let's let's make it happen.

0:14:46.600 --> 0:14:48.720
<v Speaker 2>And you know, I find with being a parent too,

0:14:48.920 --> 0:14:50.440
<v Speaker 2>you just you want to be I want to be

0:14:50.440 --> 0:14:53.240
<v Speaker 2>a living example of what I want for them, and

0:14:53.560 --> 0:14:55.040
<v Speaker 2>you know, I want them to be happy. I want

0:14:55.040 --> 0:14:56.520
<v Speaker 2>them to be self sufficient. I want them to be

0:14:56.560 --> 0:14:58.960
<v Speaker 2>all these things in the world. And I can't really

0:14:59.000 --> 0:15:01.120
<v Speaker 2>tell them to go out and you know, follow their

0:15:01.240 --> 0:15:04.720
<v Speaker 2>dreams be self sufficient if I can't do that, you know,

0:15:04.760 --> 0:15:06.880
<v Speaker 2>if I'm not a walking testament to that. So that's

0:15:06.920 --> 0:15:08.240
<v Speaker 2>kind of like one of my main reasons is I

0:15:08.240 --> 0:15:09.440
<v Speaker 2>want to show them what's possible.

0:15:10.440 --> 0:15:14.560
<v Speaker 1>So you also got invested in property, so I know

0:15:14.600 --> 0:15:16.200
<v Speaker 1>you mentioned you and your husband saved one hundred and

0:15:16.240 --> 0:15:20.520
<v Speaker 1>sixty nine thousand dollars or invested rather, that's phenomenal. But

0:15:20.640 --> 0:15:22.840
<v Speaker 1>I read a little bit about you. I know you

0:15:22.880 --> 0:15:25.000
<v Speaker 1>and I have chatted before, and I've google stocked you

0:15:25.040 --> 0:15:27.400
<v Speaker 1>just a little bit. And I know that you bought

0:15:27.440 --> 0:15:30.600
<v Speaker 1>property when you were super young. Can you talk about whether,

0:15:30.760 --> 0:15:32.680
<v Speaker 1>like what that decision was like for you and kind

0:15:32.680 --> 0:15:35.160
<v Speaker 1>of walk us through how you were able to buy

0:15:35.200 --> 0:15:38.120
<v Speaker 1>property young? And you know, I don't know how many

0:15:38.160 --> 0:15:40.040
<v Speaker 1>years it's been since then, but a chunk of time

0:15:40.040 --> 0:15:41.920
<v Speaker 1>has gone by, and certainly a few kids have gone

0:15:41.920 --> 0:15:45.400
<v Speaker 1>by since then, and how that investment is working out

0:15:45.440 --> 0:15:46.080
<v Speaker 1>for you today.

0:15:46.640 --> 0:15:47.080
<v Speaker 3>Yeah.

0:15:47.160 --> 0:15:50.720
<v Speaker 2>So I put down on my first property at twenty two.

0:15:50.800 --> 0:15:53.720
<v Speaker 2>So it's a condo in Dumbo, Brooklyn. So anyone who's

0:15:53.720 --> 0:15:56.720
<v Speaker 2>not from New York City, that sounds for down under

0:15:56.800 --> 0:15:58.040
<v Speaker 2>the Manhattan Bridge Overpass.

0:15:58.080 --> 0:15:59.680
<v Speaker 3>So it's to academics for Dumbo.

0:16:00.280 --> 0:16:03.720
<v Speaker 2>And it came about because one, I was interested in

0:16:03.760 --> 0:16:06.480
<v Speaker 2>real estate from a fairly young age, like in my teens,

0:16:06.520 --> 0:16:08.960
<v Speaker 2>because of examples in my own neighborhood and in my

0:16:09.000 --> 0:16:11.240
<v Speaker 2>real life that owned real estate. Now I got to

0:16:11.280 --> 0:16:13.640
<v Speaker 2>just step back a little bit, So I am Jamaican.

0:16:13.720 --> 0:16:16.160
<v Speaker 2>I was born in Jamaica, the island, not Queen's nothing

0:16:16.160 --> 0:16:18.400
<v Speaker 2>wrong with the borough queens. But I was born on

0:16:18.440 --> 0:16:20.520
<v Speaker 2>the island of Jamaica and came here when I was

0:16:20.520 --> 0:16:23.200
<v Speaker 2>two years old and born into a single mom who

0:16:23.240 --> 0:16:25.440
<v Speaker 2>had me at twenty And that's important to say because

0:16:25.960 --> 0:16:27.640
<v Speaker 2>she had to come here first and kind of like

0:16:27.760 --> 0:16:30.280
<v Speaker 2>establish herself and leave me behind at like eight months old,

0:16:30.320 --> 0:16:32.000
<v Speaker 2>which I can't even imagine how she did it, but

0:16:32.040 --> 0:16:33.440
<v Speaker 2>I kind of can as a mom, you know, she

0:16:33.720 --> 0:16:36.880
<v Speaker 2>just had to forge and figure things out to have

0:16:36.920 --> 0:16:40.120
<v Speaker 2>a better start for me. And with saying all that,

0:16:40.200 --> 0:16:43.400
<v Speaker 2>we came to this country with nothing, and the eventually

0:16:43.680 --> 0:16:46.280
<v Speaker 2>she got her education, got her college education, and then

0:16:46.400 --> 0:16:48.800
<v Speaker 2>her education was really important for me, you know, as

0:16:48.840 --> 0:16:50.920
<v Speaker 2>most immigrants like that is like the way, the path

0:16:51.000 --> 0:16:54.160
<v Speaker 2>to something more. So I focused on education. And while

0:16:54.520 --> 0:16:57.120
<v Speaker 2>growing up, I saw my grandmother who really came like

0:16:57.280 --> 0:17:00.320
<v Speaker 2>as older Jamaican woman, typically you can't really do much,

0:17:00.360 --> 0:17:03.560
<v Speaker 2>you know, like other than wash you know, clothes or

0:17:03.600 --> 0:17:06.480
<v Speaker 2>take care of children like that's what typically the older

0:17:06.520 --> 0:17:08.640
<v Speaker 2>generation did. And she came to this country with nothing

0:17:08.640 --> 0:17:11.199
<v Speaker 2>and ended up being able to buy a home in

0:17:11.240 --> 0:17:13.400
<v Speaker 2>an area that also was like up and coming in Brooklyn,

0:17:13.480 --> 0:17:15.320
<v Speaker 2>and so I kind of saw that happen. I saw

0:17:15.320 --> 0:17:17.480
<v Speaker 2>how Hardshoe worked, I saw her herd, my mom worked,

0:17:17.560 --> 0:17:19.480
<v Speaker 2>and so I had this idea, wow, real estate, like

0:17:19.520 --> 0:17:22.000
<v Speaker 2>if my grandmother could do this with the little that

0:17:22.040 --> 0:17:24.040
<v Speaker 2>she had, I maybe this is something I can do.

0:17:24.119 --> 0:17:25.919
<v Speaker 2>And so that was important for me to see because

0:17:26.080 --> 0:17:27.520
<v Speaker 2>people asked me, how did you know at such a

0:17:27.520 --> 0:17:29.359
<v Speaker 2>young age that you wanted to buy something? It was

0:17:29.400 --> 0:17:31.760
<v Speaker 2>because of these living examples in my life. And so

0:17:31.840 --> 0:17:34.320
<v Speaker 2>at twenty two I had this really bright idea that

0:17:34.320 --> 0:17:36.439
<v Speaker 2>I wanted to own a brownstone in Brooklyn, and I

0:17:36.480 --> 0:17:38.680
<v Speaker 2>was really going for things like in Bedstide Fort Green,

0:17:38.840 --> 0:17:40.760
<v Speaker 2>but at the time, being twenty two, like I could

0:17:40.880 --> 0:17:43.240
<v Speaker 2>not afford any of that stuff, and I saw an

0:17:43.280 --> 0:17:48.000
<v Speaker 2>advertisement for this new development. It was preconstruction, actually condominium

0:17:48.119 --> 0:17:50.679
<v Speaker 2>units in Dumble, Brooklyn. So this was before Dumbo is

0:17:50.680 --> 0:17:52.240
<v Speaker 2>what it is now like now it's like one of

0:17:52.320 --> 0:17:54.919
<v Speaker 2>the most expensive places like in like Brooklyn and New

0:17:55.000 --> 0:17:58.400
<v Speaker 2>York City. And before back then, when I was looking,

0:17:58.440 --> 0:17:59.800
<v Speaker 2>it was just like a pile of dirt. There was

0:17:59.840 --> 0:18:02.400
<v Speaker 2>no thing there and no development, but it was like

0:18:02.760 --> 0:18:06.280
<v Speaker 2>condos raging studios from like the low three hundreds to

0:18:06.400 --> 0:18:09.840
<v Speaker 2>like upwards of you know whatever. But in comparison to

0:18:09.840 --> 0:18:11.960
<v Speaker 2>the Brownstones I was looking at it seemed like a deal,

0:18:12.000 --> 0:18:14.240
<v Speaker 2>even though it was like such a small studio apartment.

0:18:14.280 --> 0:18:16.600
<v Speaker 2>And so I went there with my mom and I said,

0:18:16.600 --> 0:18:19.159
<v Speaker 2>you know what I want. I believed in the vision

0:18:19.200 --> 0:18:21.359
<v Speaker 2>that the developers had for the area and for the building,

0:18:21.720 --> 0:18:25.480
<v Speaker 2>and so I put down ten percent to hold that

0:18:26.000 --> 0:18:29.880
<v Speaker 2>unit while it was being built, and so the property

0:18:29.960 --> 0:18:31.280
<v Speaker 2>it took like two years.

0:18:31.480 --> 0:18:33.119
<v Speaker 1>Yeah, how old were you?

0:18:33.560 --> 0:18:35.520
<v Speaker 2>I was twenty two when I put the money down.

0:18:35.840 --> 0:18:37.960
<v Speaker 2>And I always got to give props to my mom

0:18:38.240 --> 0:18:40.840
<v Speaker 2>because she gave me a little portion of the ten percent.

0:18:41.480 --> 0:18:43.520
<v Speaker 2>And I say that's important because this woman came here

0:18:43.560 --> 0:18:45.360
<v Speaker 2>with nothing before she even owned property.

0:18:45.440 --> 0:18:47.880
<v Speaker 3>She gave me money to help me buy my property.

0:18:48.400 --> 0:18:51.800
<v Speaker 2>And so that ten percent held the unit, and then

0:18:51.840 --> 0:18:54.879
<v Speaker 2>I had two years until it was completed to come

0:18:54.960 --> 0:18:57.720
<v Speaker 2>up with the next ten percent the closing costs and

0:18:57.760 --> 0:18:58.440
<v Speaker 2>to cover my.

0:18:58.359 --> 0:19:00.880
<v Speaker 1>Son was so you can be given it a number

0:19:00.920 --> 0:19:01.240
<v Speaker 1>of points.

0:19:01.280 --> 0:19:03.520
<v Speaker 2>Yeah, So the unit was three hundred and eighty five

0:19:03.560 --> 0:19:07.320
<v Speaker 2>thousand dollars, so ten percent was thirty eight thousand dollars.

0:19:07.480 --> 0:19:09.879
<v Speaker 2>And I had to We had to put down ten percent,

0:19:10.000 --> 0:19:12.400
<v Speaker 2>and at that point, like that was like literally everything

0:19:12.480 --> 0:19:14.240
<v Speaker 2>I ever had. And the reason why I had any

0:19:14.240 --> 0:19:16.560
<v Speaker 2>money was because I had an internship at with Inroads,

0:19:16.880 --> 0:19:19.840
<v Speaker 2>which I put minorities into Fortune five hundred companies, and

0:19:19.880 --> 0:19:22.240
<v Speaker 2>I was worked. I was doing that in summer, making

0:19:22.440 --> 0:19:24.880
<v Speaker 2>decent money for like an eighteen nineteen twenty year old

0:19:25.080 --> 0:19:26.800
<v Speaker 2>for the last three years. And I was a saver

0:19:27.080 --> 0:19:29.920
<v Speaker 2>because my mom and grandma. Grandmother always taught me to save,

0:19:30.160 --> 0:19:31.959
<v Speaker 2>so I had some money to save up for that.

0:19:32.080 --> 0:19:34.640
<v Speaker 2>My mom also gave me money and so that helped

0:19:34.640 --> 0:19:36.440
<v Speaker 2>with the first ten percent. But it was not done

0:19:36.480 --> 0:19:38.080
<v Speaker 2>like that's not like, oh, we have the property, We're

0:19:38.080 --> 0:19:40.000
<v Speaker 2>good now. It was now you need to come up

0:19:40.040 --> 0:19:42.159
<v Speaker 2>with the next ten percent in two years to you know,

0:19:42.200 --> 0:19:45.639
<v Speaker 2>close on it and the closing costs and also technically

0:19:46.320 --> 0:19:48.919
<v Speaker 2>my income. So one of the saving graces was that

0:19:48.920 --> 0:19:51.080
<v Speaker 2>I knew when I was graduating from college I would

0:19:51.080 --> 0:19:52.800
<v Speaker 2>get a full time offer from the company that I

0:19:52.800 --> 0:19:54.960
<v Speaker 2>interned with, so I knew i'd had like a job.

0:19:55.359 --> 0:19:58.439
<v Speaker 2>But when I did the calculation, my income at that

0:19:58.520 --> 0:20:01.240
<v Speaker 2>point was going to barely come for like the mortgage

0:20:01.520 --> 0:20:03.800
<v Speaker 2>when we calculated it. But in my head, I'm like, well,

0:20:03.800 --> 0:20:05.680
<v Speaker 2>if I can save up and if I like save

0:20:05.760 --> 0:20:07.639
<v Speaker 2>up for the next two years while this thing is

0:20:07.640 --> 0:20:10.480
<v Speaker 2>being built all my money, if I live in a home,

0:20:10.480 --> 0:20:12.120
<v Speaker 2>which I was able to do with my mom, God,

0:20:12.160 --> 0:20:14.440
<v Speaker 2>like I said, God bless my mother, then I could

0:20:14.520 --> 0:20:16.679
<v Speaker 2>maybe have a fighting chance to like actually close on

0:20:16.720 --> 0:20:19.720
<v Speaker 2>this and not lose our ten percent and like live there,

0:20:19.760 --> 0:20:21.679
<v Speaker 2>and then I should make more money and hopefully this

0:20:21.720 --> 0:20:24.920
<v Speaker 2>place appreciates and will be okay. And I will tell you, Mandy,

0:20:25.040 --> 0:20:27.800
<v Speaker 2>like all the stars aligned the grace of God, that yes,

0:20:27.920 --> 0:20:29.960
<v Speaker 2>it worked out because in the two years that it

0:20:30.000 --> 0:20:32.840
<v Speaker 2>took to build, I was able to save up the

0:20:32.840 --> 0:20:36.919
<v Speaker 2>additional money to close on it, the additional ten percent,

0:20:37.080 --> 0:20:40.840
<v Speaker 2>and then extra to cover my mortgage because my literally

0:20:40.880 --> 0:20:43.320
<v Speaker 2>my my checks were like just covering the mortgage. And

0:20:43.320 --> 0:20:44.760
<v Speaker 2>I will tell you this just like the last thing

0:20:44.800 --> 0:20:48.679
<v Speaker 2>about this is, you know, with the collapse of with

0:20:48.760 --> 0:20:50.800
<v Speaker 2>the collapse of the markets back then, so this was

0:20:50.840 --> 0:20:54.560
<v Speaker 2>like around twenty fifteen, you know when the markets Wait,

0:20:54.320 --> 0:20:57.639
<v Speaker 2>what year was it that the market is? Two thousand

0:20:57.680 --> 0:21:00.359
<v Speaker 2>and eight? Yes, I was humanizis yeah the housing Christ Okay,

0:21:00.359 --> 0:21:02.240
<v Speaker 2>so yeah, I need to go back further. Lists go

0:21:02.320 --> 0:21:04.639
<v Speaker 2>back further two thousand and eight. They were doing no

0:21:04.760 --> 0:21:06.960
<v Speaker 2>loan doc closings at that time, which is why so

0:21:07.000 --> 0:21:09.480
<v Speaker 2>many people got in trouble right because they bought things

0:21:09.520 --> 0:21:11.520
<v Speaker 2>they couldn't afford. I was one of those people, Like

0:21:11.520 --> 0:21:14.560
<v Speaker 2>if they would have checked my salary stubs, they would.

0:21:14.400 --> 0:21:16.240
<v Speaker 1>Have like just about to ask, how did you get

0:21:16.280 --> 0:21:16.720
<v Speaker 1>this loan?

0:21:17.000 --> 0:21:17.600
<v Speaker 3>Exactly?

0:21:17.680 --> 0:21:21.080
<v Speaker 2>So I'm telling you, like the stars aligned, the grace

0:21:21.119 --> 0:21:23.720
<v Speaker 2>of God, all these things worked out in my favor

0:21:23.760 --> 0:21:25.920
<v Speaker 2>because literally I was not really supposed to be able

0:21:25.920 --> 0:21:28.160
<v Speaker 2>to close on that, but I took the risk because

0:21:28.160 --> 0:21:30.640
<v Speaker 2>I said to myself, listen, like the worst case scenario,

0:21:30.680 --> 0:21:32.359
<v Speaker 2>like look where you come from, Look where your moms

0:21:32.400 --> 0:21:34.880
<v Speaker 2>come from. Like the worst yes, you lose like your

0:21:34.920 --> 0:21:36.720
<v Speaker 2>down payment, but maybe like at the end of the

0:21:36.800 --> 0:21:38.320
<v Speaker 2>day you can sell it before you have to close

0:21:38.359 --> 0:21:41.679
<v Speaker 2>on it, like but without any risk, there's no reward.

0:21:41.720 --> 0:21:43.960
<v Speaker 2>And so I really did go into this like almost

0:21:43.960 --> 0:21:46.719
<v Speaker 2>like with everything that I had, and it worked out.

0:21:46.760 --> 0:21:49.159
<v Speaker 2>So by the time I ended up closing one, I

0:21:49.200 --> 0:21:52.840
<v Speaker 2>was able to close because for no loan mortgage document process.

0:21:53.000 --> 0:21:55.960
<v Speaker 2>And then also it did appreciate, so I knew at

0:21:55.960 --> 0:21:57.600
<v Speaker 2>the end of the day once I moved in, like

0:21:57.680 --> 0:21:59.760
<v Speaker 2>let's just say I couldn't cover the mortgage after a while,

0:21:59.840 --> 0:22:02.080
<v Speaker 2>like I could sell it or rent it out, but

0:22:02.200 --> 0:22:04.120
<v Speaker 2>the real estate market had to bounce back a bit,

0:22:04.280 --> 0:22:06.199
<v Speaker 2>and so we were I was in a good place.

0:22:06.400 --> 0:22:08.600
<v Speaker 2>And I still own that property today. And I will

0:22:08.640 --> 0:22:11.920
<v Speaker 2>say that that is the riskiest but most rewarding thing

0:22:12.000 --> 0:22:15.399
<v Speaker 2>I've ever done. It's changed the trajectory I feel of

0:22:15.400 --> 0:22:19.040
<v Speaker 2>my confidence and my family's like wealth because I plan

0:22:19.240 --> 0:22:22.280
<v Speaker 2>like to keep it forever. It's more of an emotional purchase.

0:22:22.320 --> 0:22:24.320
<v Speaker 2>And I have small kids and there's not there's not

0:22:24.359 --> 0:22:27.119
<v Speaker 2>too many people who look like me that own in Dumbo,

0:22:27.280 --> 0:22:29.879
<v Speaker 2>in that building, and so I'm just excited for my

0:22:29.960 --> 0:22:31.680
<v Speaker 2>kids to be able to one day, you know, share

0:22:31.680 --> 0:22:34.040
<v Speaker 2>it because they'll probably fight over it, but share it

0:22:34.080 --> 0:22:36.159
<v Speaker 2>in terms of baby to live as their first starting

0:22:36.200 --> 0:22:38.320
<v Speaker 2>place or maybe when they have going they're going to

0:22:38.320 --> 0:22:39.399
<v Speaker 2>college if they're local.

0:22:39.480 --> 0:22:40.879
<v Speaker 3>So I'm excited to have it.

0:22:41.440 --> 0:22:43.639
<v Speaker 1>They get to be those kids that other kids hate.

0:22:43.880 --> 0:22:46.840
<v Speaker 1>Oh no, their mommy not hate, but like, oh, their

0:22:46.880 --> 0:22:50.080
<v Speaker 1>mom has a studio in Dumbo, Like, yeah, you don't

0:22:50.119 --> 0:22:52.240
<v Speaker 1>have to work that hard.

0:22:51.560 --> 0:22:54.639
<v Speaker 2>Well no, but I get it because somebody and I

0:22:54.680 --> 0:22:56.240
<v Speaker 2>get like I have had and I was like to

0:22:56.280 --> 0:22:58.359
<v Speaker 2>acknowledge like my privilege in a way, like there's a

0:22:58.400 --> 0:23:00.919
<v Speaker 2>lot of things like I didn't have growing up, but

0:23:01.119 --> 0:23:04.440
<v Speaker 2>I did have some privileges, and I think it's important

0:23:04.480 --> 0:23:06.760
<v Speaker 2>to acknowledge that and see that like for what they are.

0:23:07.000 --> 0:23:08.760
<v Speaker 2>But then I think about my mom who had nothing,

0:23:08.840 --> 0:23:10.600
<v Speaker 2>and so maybe someone can't relate they don't have a

0:23:10.640 --> 0:23:12.840
<v Speaker 2>supportive parent, they don't have a parent that can give them, like,

0:23:13.000 --> 0:23:15.520
<v Speaker 2>you know, a couple thousand to help with their down payment.

0:23:15.520 --> 0:23:17.320
<v Speaker 2>But then I think about like where my mom came from,

0:23:17.359 --> 0:23:20.240
<v Speaker 2>as like literally a single mom with nothing, and I'm like, wow, Like,

0:23:20.520 --> 0:23:22.320
<v Speaker 2>but you can change your family's trajectory.

0:23:22.400 --> 0:23:23.440
<v Speaker 3>You can't do something else.

0:23:23.680 --> 0:23:25.000
<v Speaker 2>And I just feel like if my mom was able

0:23:25.040 --> 0:23:26.720
<v Speaker 2>to do it, not even me, Like if my mom

0:23:26.840 --> 0:23:28.480
<v Speaker 2>was able to do what she did, I'm like, you

0:23:28.520 --> 0:23:29.280
<v Speaker 2>are my inspiration.

0:23:29.359 --> 0:23:30.040
<v Speaker 3>I can do anything.

0:23:31.200 --> 0:23:33.920
<v Speaker 1>Wow. Well, I have a soft spot in my heart

0:23:34.040 --> 0:23:37.120
<v Speaker 1>for Jamaican mamas because I feel like I have three

0:23:37.240 --> 0:23:41.400
<v Speaker 1>Jamaican neighbors and they like before I was a little

0:23:41.440 --> 0:23:43.400
<v Speaker 1>freaked out because when I was pregnant with my son,

0:23:43.600 --> 0:23:46.480
<v Speaker 1>a couple of years ago. My especially one neighbor, Paula,

0:23:46.520 --> 0:23:48.840
<v Speaker 1>who I love her so much. She basically started calling

0:23:48.880 --> 0:23:51.320
<v Speaker 1>him her son and called me her daughter, and I

0:23:51.359 --> 0:23:53.679
<v Speaker 1>was like, who is this nice lady? But like she

0:23:53.760 --> 0:23:56.480
<v Speaker 1>is all she is. But they they just care so

0:23:56.800 --> 0:24:00.600
<v Speaker 1>much like they care and they love. So that is

0:24:00.680 --> 0:24:04.159
<v Speaker 1>my That is my shout out to all Jamaican mamas

0:24:04.160 --> 0:24:05.159
<v Speaker 1>out there because it.

0:24:05.359 --> 0:24:07.240
<v Speaker 3>Was such a Jamaican name to it.

0:24:08.080 --> 0:24:10.400
<v Speaker 1>Yes, oh, she's got a whole I should have paul

0:24:10.400 --> 0:24:12.760
<v Speaker 1>Ott in the show one day. She's like one of eleven. Anyway,

0:24:13.200 --> 0:24:16.680
<v Speaker 1>I digress. Yeay Jamaican mama's But no, that that's really

0:24:16.760 --> 0:24:21.160
<v Speaker 1>extraordinary and listen and it's it's one of those things where, oh,

0:24:21.200 --> 0:24:23.840
<v Speaker 1>to be twenty two and to have the to have

0:24:23.920 --> 0:24:28.360
<v Speaker 1>the the audacity and the bravery, the courage to make

0:24:28.400 --> 0:24:32.000
<v Speaker 1>a huge decision like that, and that's just amazing. It's amazing,

0:24:32.080 --> 0:24:34.520
<v Speaker 1>and you could never like recreate that time in your

0:24:34.520 --> 0:24:38.000
<v Speaker 1>life before kids, before a husband, like when you are

0:24:38.080 --> 0:24:41.000
<v Speaker 1>just doing things for yourself and you you just believed

0:24:41.040 --> 0:24:43.399
<v Speaker 1>in yourself so much, like you at the end of

0:24:43.440 --> 0:24:45.359
<v Speaker 1>the day that was really you. It feels like taking

0:24:45.400 --> 0:24:49.560
<v Speaker 1>a bet on your own cap, like your own human capital. Yeah,

0:24:49.600 --> 0:24:51.679
<v Speaker 1>I'm going to even And you were like the mortgage

0:24:51.760 --> 0:24:54.520
<v Speaker 1>lender in a sense because even though they weren't checking

0:24:54.560 --> 0:24:56.600
<v Speaker 1>your income like you were doing it and you knew

0:24:56.640 --> 0:24:58.440
<v Speaker 1>what you were getting into, and you said, I know

0:24:58.520 --> 0:25:01.240
<v Speaker 1>this is a sticky situation, but I know me, I

0:25:01.280 --> 0:25:04.320
<v Speaker 1>know my prospects, and I know that I can do this.

0:25:04.520 --> 0:25:07.280
<v Speaker 1>And you've really did. You took a chance on yourself

0:25:07.320 --> 0:25:09.360
<v Speaker 1>in a really beautiful way.

0:25:09.480 --> 0:25:09.800
<v Speaker 3>Yeah.

0:25:09.880 --> 0:25:12.639
<v Speaker 2>I mean I think this is a thing like this

0:25:12.720 --> 0:25:14.680
<v Speaker 2>is why personal finance, Like on paper, if you would

0:25:14.680 --> 0:25:16.520
<v Speaker 2>have listed everything, all these things out, it'd be like,

0:25:16.520 --> 0:25:18.560
<v Speaker 2>this is not a good idea. And I think personal

0:25:18.600 --> 0:25:20.360
<v Speaker 2>finance and these decisions that we have to make, it's

0:25:20.400 --> 0:25:23.760
<v Speaker 2>really about having this almost belief in yourself that even

0:25:23.760 --> 0:25:25.399
<v Speaker 2>when things go wrong, Because I did think of the

0:25:25.400 --> 0:25:27.720
<v Speaker 2>worst case scenario, and I said to myself, will I

0:25:27.760 --> 0:25:28.600
<v Speaker 2>be able to recover?

0:25:28.840 --> 0:25:30.280
<v Speaker 3>And I was like I will, Like I won't die.

0:25:30.280 --> 0:25:32.320
<v Speaker 2>I do this soll even now when I'm coming up

0:25:32.320 --> 0:25:34.879
<v Speaker 2>with big decisions, I'm like, what's the worst that can happen?

0:25:35.160 --> 0:25:36.400
<v Speaker 3>And will you be alive still?

0:25:36.520 --> 0:25:38.800
<v Speaker 2>You know, other than something outside of your control, And

0:25:38.880 --> 0:25:41.560
<v Speaker 2>most likely it's yes, And so I'm able to take risk,

0:25:41.600 --> 0:25:43.640
<v Speaker 2>and I still take risk like this, like leaving my job,

0:25:43.760 --> 0:25:45.520
<v Speaker 2>like all these things, because I'm like, I'm going to

0:25:45.600 --> 0:25:47.800
<v Speaker 2>bet on myself, and I'm telling you like I would

0:25:47.800 --> 0:25:50.120
<v Speaker 2>not be and have what I have today without obviously

0:25:50.160 --> 0:25:52.679
<v Speaker 2>standing on the shoulders of my mom obviously, and then

0:25:52.760 --> 0:25:55.119
<v Speaker 2>also just like this belief in myself and going after it.

0:25:56.600 --> 0:26:01.199
<v Speaker 1>So you mentioned your your husband, your husby. Everyone's got

0:26:01.240 --> 0:26:04.359
<v Speaker 1>a husbane. I call my husband husby. Listen. I feel

0:26:04.359 --> 0:26:06.439
<v Speaker 1>like we have a lot in common, just in the

0:26:06.480 --> 0:26:08.320
<v Speaker 1>way that our relationships maybe have played out. But you

0:26:08.400 --> 0:26:10.480
<v Speaker 1>tell me if I'm wrong. But my husband works for

0:26:10.520 --> 0:26:13.320
<v Speaker 1>the government and he's always been our you know, he

0:26:13.440 --> 0:26:15.920
<v Speaker 1>likes to call himself the stable one. You know, I'm

0:26:15.920 --> 0:26:17.880
<v Speaker 1>going to keep my job. I'm gonna get my pension.

0:26:18.080 --> 0:26:20.800
<v Speaker 1>You know, it's very secure his his job, and he'll

0:26:20.800 --> 0:26:22.520
<v Speaker 1>get his little raise every once in a while. But

0:26:23.160 --> 0:26:25.320
<v Speaker 1>it's not the you know. The way I approached my

0:26:25.400 --> 0:26:27.960
<v Speaker 1>career was sort of like I didn't think of it

0:26:28.000 --> 0:26:31.160
<v Speaker 1>as like a corporate ladder. I pretended like every three

0:26:31.240 --> 0:26:33.600
<v Speaker 1>rungs were just empty and I had to skip a

0:26:33.640 --> 0:26:35.320
<v Speaker 1>few rungs to get to the next one, and I

0:26:35.320 --> 0:26:38.399
<v Speaker 1>would just hop all over the place, and he, you know,

0:26:38.640 --> 0:26:41.960
<v Speaker 1>he has been you know, we have very different approaches

0:26:42.000 --> 0:26:45.119
<v Speaker 1>to I would say career into finance, but it's been

0:26:45.320 --> 0:26:47.720
<v Speaker 1>it's been a pretty good balance. Although there have been

0:26:47.760 --> 0:26:50.960
<v Speaker 1>those times when I have the next big idea, or

0:26:51.000 --> 0:26:53.760
<v Speaker 1>I have I'm going into a salary negotiation and I'm

0:26:53.800 --> 0:26:56.720
<v Speaker 1>asking for way more money than he ever thought was possible,

0:26:56.800 --> 0:27:01.119
<v Speaker 1>and we have these different Yeah, there's just fundament ways

0:27:01.119 --> 0:27:03.199
<v Speaker 1>that we approach our finances were a little bit different,

0:27:03.560 --> 0:27:06.280
<v Speaker 1>but it is a good balance. I wanted to ask about,

0:27:06.520 --> 0:27:09.719
<v Speaker 1>you know, you and your husband's dynamic because you had

0:27:09.760 --> 0:27:12.199
<v Speaker 1>this ambition to retire early and to you know, you

0:27:12.280 --> 0:27:14.359
<v Speaker 1>left your job and all of that. What was what

0:27:14.400 --> 0:27:17.359
<v Speaker 1>were those conversations like for the two of you and

0:27:17.520 --> 0:27:19.840
<v Speaker 1>was he always on board with it from the jump

0:27:20.080 --> 0:27:21.560
<v Speaker 1>or was that something that you guys kind of had

0:27:21.560 --> 0:27:25.199
<v Speaker 1>to grow into together. Especially for couples who are listening

0:27:25.240 --> 0:27:27.720
<v Speaker 1>or people who have partners who are listening and aren't

0:27:27.760 --> 0:27:32.400
<v Speaker 1>really sure how to like match their two long term

0:27:32.440 --> 0:27:33.080
<v Speaker 1>plans together.

0:27:33.720 --> 0:27:37.439
<v Speaker 2>This is so important because he was he looked at

0:27:37.480 --> 0:27:39.360
<v Speaker 2>me like I was crazy, because he is a very

0:27:39.400 --> 0:27:43.800
<v Speaker 2>simple man and he's very easy going right. So, and

0:27:44.400 --> 0:27:47.680
<v Speaker 2>you know again, when I came to him a few

0:27:47.760 --> 0:27:49.760
<v Speaker 2>years ago and I'm telling him about all these stories

0:27:49.800 --> 0:27:52.639
<v Speaker 2>on podcasts I'm hearing people retiring and quitting their jobs,

0:27:52.680 --> 0:27:55.040
<v Speaker 2>He's just like, really, because I don't what are we

0:27:55.080 --> 0:27:55.439
<v Speaker 2>going to do?

0:27:55.560 --> 0:27:56.520
<v Speaker 3>Like what are you talking about?

0:27:57.160 --> 0:28:00.240
<v Speaker 2>And it really took some conversations to get him him

0:28:00.280 --> 0:28:01.480
<v Speaker 2>to kind of see. And one of the things I

0:28:01.480 --> 0:28:04.880
<v Speaker 2>always say with couples is like, don't like I had

0:28:04.880 --> 0:28:07.439
<v Speaker 2>to show him one the numbers, the numbers for him,

0:28:07.840 --> 0:28:09.600
<v Speaker 2>even for me, like I had to believe the numbers,

0:28:09.640 --> 0:28:12.880
<v Speaker 2>meaning I had to map out, really is this possible?

0:28:13.200 --> 0:28:15.600
<v Speaker 2>Will I be able to one day quit my job early?

0:28:15.760 --> 0:28:17.800
<v Speaker 2>How much money can we save and invest if we

0:28:17.840 --> 0:28:19.960
<v Speaker 2>aggressively do this, if we cut back, if we become

0:28:20.000 --> 0:28:23.080
<v Speaker 2>more optimized in our finances, how much money can we have?

0:28:23.160 --> 0:28:25.080
<v Speaker 2>So I literally when I came home and told him

0:28:25.160 --> 0:28:26.600
<v Speaker 2>the first time, he looked at me like, what are

0:28:26.640 --> 0:28:28.920
<v Speaker 2>you talking about? And then over time what I did

0:28:28.960 --> 0:28:30.680
<v Speaker 2>was I didn't push him to this is really important.

0:28:31.000 --> 0:28:33.240
<v Speaker 2>Just because you come up with a realization or have

0:28:33.280 --> 0:28:35.359
<v Speaker 2>an epiphany doesn't mean like your partner will they have

0:28:35.520 --> 0:28:38.520
<v Speaker 2>they have they're on a whole another timeline. So I

0:28:38.560 --> 0:28:41.920
<v Speaker 2>respected that, but also started to show him, like the numbers,

0:28:41.960 --> 0:28:44.160
<v Speaker 2>Like I created this spreadsheet and it showed like, if

0:28:44.200 --> 0:28:46.800
<v Speaker 2>we do this, like, first of all, step ba from

0:28:46.800 --> 0:28:49.360
<v Speaker 2>the spreadsheet, what does a life look like now that

0:28:49.400 --> 0:28:51.560
<v Speaker 2>we enjoy and what does the life look like now

0:28:51.680 --> 0:28:54.360
<v Speaker 2>in like twenty years, right when the kids are this age,

0:28:54.400 --> 0:28:56.400
<v Speaker 2>and like they're at the house and we can travel,

0:28:56.720 --> 0:28:58.840
<v Speaker 2>and how can we balance that now? So we started

0:28:58.840 --> 0:29:01.600
<v Speaker 2>with the dream of our lives, what they are now

0:29:01.640 --> 0:29:03.840
<v Speaker 2>and what we want them to be, and then we

0:29:03.960 --> 0:29:05.920
<v Speaker 2>like did numbers around it, and I showed him, well,

0:29:05.920 --> 0:29:09.040
<v Speaker 2>if we do this, make these changes in our finances,

0:29:09.440 --> 0:29:12.200
<v Speaker 2>save and invest this much over time, we can have

0:29:12.360 --> 0:29:16.000
<v Speaker 2>you know, over a million dollars in twenty years, and

0:29:16.160 --> 0:29:17.920
<v Speaker 2>we can do all these things. And that started to

0:29:17.920 --> 0:29:19.960
<v Speaker 2>get him excited because instead of me just saying it

0:29:20.000 --> 0:29:23.160
<v Speaker 2>and talking, he saw the numbers. And then the other

0:29:23.160 --> 0:29:26.680
<v Speaker 2>thing I really was important to say was yeah, I

0:29:26.760 --> 0:29:28.600
<v Speaker 2>want to do this, so I quit my job. But also,

0:29:28.760 --> 0:29:31.960
<v Speaker 2>like you know, I'm the mom. I'm I'm the one

0:29:32.080 --> 0:29:34.200
<v Speaker 2>giving birth and having three kids. I also have the

0:29:34.200 --> 0:29:36.560
<v Speaker 2>crazy commute. See my husband his job is maybe like

0:29:36.600 --> 0:29:39.240
<v Speaker 2>ten minutes away from our house. So he also knew

0:29:39.320 --> 0:29:42.120
<v Speaker 2>the pressure of just like my life, and he wanted

0:29:42.120 --> 0:29:44.680
<v Speaker 2>me to be happy, and so I made sure that

0:29:44.760 --> 0:29:46.560
<v Speaker 2>like own, not only like we were going to pursue

0:29:46.560 --> 0:29:48.640
<v Speaker 2>what I wanted, like in terms of our career or

0:29:48.720 --> 0:29:50.560
<v Speaker 2>quitting my job, but what is it that you want?

0:29:50.720 --> 0:29:53.520
<v Speaker 2>So I definitely we made sure that include his wants

0:29:53.520 --> 0:29:55.760
<v Speaker 2>and hopes like into what we were doing. You know,

0:29:55.840 --> 0:29:58.680
<v Speaker 2>I don't really care about having a nice car. We

0:29:58.840 --> 0:30:00.960
<v Speaker 2>used to have nice cars, quote back in the day

0:30:01.000 --> 0:30:03.760
<v Speaker 2>before kids and getting a little bit more optimized with

0:30:03.800 --> 0:30:05.920
<v Speaker 2>our finances. But I say, look, if I can, I

0:30:05.960 --> 0:30:07.680
<v Speaker 2>want to buy you a car, you know, Like it

0:30:07.720 --> 0:30:09.240
<v Speaker 2>was things like that that got him excited.

0:30:09.280 --> 0:30:10.880
<v Speaker 3>So that way we both were.

0:30:11.680 --> 0:30:14.520
<v Speaker 1>That was my way into baby. I said, save for

0:30:14.640 --> 0:30:18.200
<v Speaker 1>a Tesla. Let's for a tesla. Yeah, let's investing for

0:30:18.240 --> 0:30:18.680
<v Speaker 1>a Tesla.

0:30:18.760 --> 0:30:20.480
<v Speaker 2>It's so important because he is a little bit more

0:30:20.760 --> 0:30:23.240
<v Speaker 2>like fancier, I would say, than me, right, like I'm

0:30:23.280 --> 0:30:25.959
<v Speaker 2>good with kind of just like bare minimum, but sometimes fancy.

0:30:25.960 --> 0:30:27.720
<v Speaker 2>He's like, if I could do it fancy all the time,

0:30:27.720 --> 0:30:31.320
<v Speaker 2>I would, So talking about it in that term really

0:30:31.360 --> 0:30:33.880
<v Speaker 2>helped to let him know that this is a team effort.

0:30:33.920 --> 0:30:36.280
<v Speaker 2>It's not just about what Jamila wants. And also like

0:30:36.280 --> 0:30:40.040
<v Speaker 2>if I'm miserable because I'm working and driving all this time,

0:30:40.120 --> 0:30:43.280
<v Speaker 2>like those whole family is not going to be like happy,

0:30:43.320 --> 0:30:45.200
<v Speaker 2>So let's work to a place that we can get to.

0:30:45.280 --> 0:30:47.440
<v Speaker 2>And so he eventually got on board with that. But

0:30:47.480 --> 0:30:49.840
<v Speaker 2>he's very easy going and laid back. Thank God for

0:30:49.880 --> 0:30:52.760
<v Speaker 2>that in terms of he pretty much trust me. We

0:30:52.840 --> 0:30:55.080
<v Speaker 2>have the open conversations about it, and even when it

0:30:55.080 --> 0:30:56.960
<v Speaker 2>came to quitting my job, because that was huge, like

0:30:57.000 --> 0:30:59.960
<v Speaker 2>my income was more than half of the family's combined income,

0:31:00.600 --> 0:31:02.239
<v Speaker 2>and so if like it would almost been better if

0:31:02.240 --> 0:31:04.040
<v Speaker 2>I was a teacher and then he had his career

0:31:04.080 --> 0:31:05.560
<v Speaker 2>because then like you know, he can kind of stay

0:31:05.560 --> 0:31:08.040
<v Speaker 2>on his trajectory. But for me to walk away was

0:31:08.080 --> 0:31:10.200
<v Speaker 2>like a big step because what does that look like

0:31:10.240 --> 0:31:10.800
<v Speaker 2>as a family.

0:31:10.840 --> 0:31:13.120
<v Speaker 3>We have three kids, We have a mortgage.

0:31:12.600 --> 0:31:15.200
<v Speaker 2>Like, so we literally had to save up enough money

0:31:15.240 --> 0:31:18.720
<v Speaker 2>to cover our expenses while journey to launch like started

0:31:18.760 --> 0:31:21.000
<v Speaker 2>to you know, become more stable, and that was scary,

0:31:21.360 --> 0:31:24.400
<v Speaker 2>but we did it together. We had the conversations and

0:31:24.840 --> 0:31:26.960
<v Speaker 2>it's it's working out so far.

0:31:27.080 --> 0:31:32.040
<v Speaker 1>So that's no, that's wonderful. I also have always been.

0:31:32.960 --> 0:31:35.360
<v Speaker 1>It's so funny how the you know, in no shade

0:31:35.360 --> 0:31:37.720
<v Speaker 1>to your husband. I always talk to my husband. I'm like, dude,

0:31:37.720 --> 0:31:39.960
<v Speaker 1>you work for the government and you have the boogiest

0:31:39.960 --> 0:31:41.960
<v Speaker 1>taste of like where do you come off with this?

0:31:42.280 --> 0:31:45.320
<v Speaker 1>Like what he's like, I must he has like this

0:31:45.440 --> 0:31:48.560
<v Speaker 1>very specific T shirt brand. He gets custom shirts. I'm like,

0:31:48.760 --> 0:31:50.680
<v Speaker 1>I'm the one shopping in the clearance track at H

0:31:50.680 --> 0:31:53.760
<v Speaker 1>and M. But the same as you I I was.

0:31:54.040 --> 0:31:56.280
<v Speaker 1>I was earning probably like two three x what he

0:31:56.800 --> 0:31:59.040
<v Speaker 1>was earning at the at my peak earning career in

0:31:59.520 --> 0:32:02.920
<v Speaker 1>you know, America, so to speak. But that's so that's

0:32:02.920 --> 0:32:06.080
<v Speaker 1>so funny. And it's also you know, shouts out to

0:32:06.800 --> 0:32:09.120
<v Speaker 1>shout out to partners. You know, I don't put genders

0:32:09.120 --> 0:32:12.080
<v Speaker 1>on and but partners who are willing to maybe maybe

0:32:12.120 --> 0:32:13.680
<v Speaker 1>they have their doubts, but they just you know, have

0:32:13.760 --> 0:32:17.160
<v Speaker 1>those in the shower alone. They they support and they

0:32:17.280 --> 0:32:20.200
<v Speaker 1>you know, have faith in their partners to to really

0:32:20.200 --> 0:32:22.600
<v Speaker 1>bet on themselves and to take their career to a

0:32:22.640 --> 0:32:25.960
<v Speaker 1>different place. That's really wonderful that he's been supportive to you.

0:32:26.040 --> 0:32:30.760
<v Speaker 1>And I appreciate you talking about the whole the values,

0:32:30.960 --> 0:32:33.960
<v Speaker 1>you know, and how you as a partner. I've struggled

0:32:33.960 --> 0:32:36.400
<v Speaker 1>with this too, probably a little bit more than it

0:32:36.400 --> 0:32:38.480
<v Speaker 1>sounds like you did. But I was like, it was

0:32:38.600 --> 0:32:42.520
<v Speaker 1>very hard for me to start to share in the

0:32:42.640 --> 0:32:47.560
<v Speaker 1>values based investing. Like so, for example, you know, I

0:32:47.600 --> 0:32:50.719
<v Speaker 1>had no problem spending money on values or experiences that

0:32:50.800 --> 0:32:53.560
<v Speaker 1>I particularly wanted to have, but when it came to

0:32:53.680 --> 0:32:56.560
<v Speaker 1>a you know, if it was a car or you know,

0:32:57.280 --> 0:32:59.720
<v Speaker 1>I don't know, concert or something that you know, Enrique

0:32:59.720 --> 0:33:02.240
<v Speaker 1>really wanted it was, it was like, hmmm, and it's

0:33:02.240 --> 0:33:05.000
<v Speaker 1>not really worth it, And I had to had to

0:33:05.120 --> 0:33:08.040
<v Speaker 1>learn to share in that. It was. That was probably

0:33:08.040 --> 0:33:10.720
<v Speaker 1>my one of the more difficult challenges for me financially

0:33:10.760 --> 0:33:13.800
<v Speaker 1>and like mentally as a spouse was bringing them in

0:33:13.840 --> 0:33:16.920
<v Speaker 1>and being open to you know, they're what they value

0:33:17.000 --> 0:33:19.600
<v Speaker 1>and not not discounting it and making that a part

0:33:19.640 --> 0:33:21.080
<v Speaker 1>of the overall plan.

0:33:21.360 --> 0:33:23.600
<v Speaker 2>Yeah, I mean, you know, it's important, just like and

0:33:23.680 --> 0:33:26.360
<v Speaker 2>for me, I think as growing up without really you know,

0:33:26.360 --> 0:33:28.840
<v Speaker 2>I didn't have a father in my life, or I

0:33:28.840 --> 0:33:30.840
<v Speaker 2>had father figures, I didn't really have a close relationship

0:33:30.840 --> 0:33:32.800
<v Speaker 2>with them, and so I was like, for me, the

0:33:32.880 --> 0:33:35.520
<v Speaker 2>value based things like the simple even though I say

0:33:35.560 --> 0:33:38.280
<v Speaker 2>he's fancy like the other things that he's about, which

0:33:38.320 --> 0:33:41.479
<v Speaker 2>is like family, and he's very grounded and supportive. Like

0:33:41.720 --> 0:33:43.440
<v Speaker 2>it's like one of the first signs like I saw

0:33:43.560 --> 0:33:45.880
<v Speaker 2>in him, like when we first started dating years ago,

0:33:46.560 --> 0:33:48.160
<v Speaker 2>that I said, like, out of all the things I

0:33:48.240 --> 0:33:50.160
<v Speaker 2>want in someone, it would be the opposite of what

0:33:50.600 --> 0:33:53.280
<v Speaker 2>I knew my dad to be. And so I think,

0:33:53.320 --> 0:33:55.000
<v Speaker 2>whatever that is. I know some people meet people like

0:33:55.040 --> 0:33:56.280
<v Speaker 2>that and they do not they don't turn out to

0:33:56.280 --> 0:33:57.320
<v Speaker 2>be this way eventually.

0:33:57.360 --> 0:33:59.440
<v Speaker 3>But he that's what he is and who he is.

0:33:59.720 --> 0:34:01.600
<v Speaker 2>And so even as an entrepreneur now, like I know,

0:34:02.120 --> 0:34:04.480
<v Speaker 2>like having three kids, like he's an equal.

0:34:04.640 --> 0:34:06.920
<v Speaker 3>Partner in the house and in parenting.

0:34:07.160 --> 0:34:08.960
<v Speaker 2>I still feel like I do a little bit more,

0:34:09.000 --> 0:34:11.280
<v Speaker 2>but I feel like he is as much equal as

0:34:11.760 --> 0:34:14.160
<v Speaker 2>outside of my controlling self he can be in terms

0:34:14.239 --> 0:34:16.239
<v Speaker 2>of how I like things done. And it's been when

0:34:16.280 --> 0:34:18.120
<v Speaker 2>people say how do you do this? Like how did

0:34:18.160 --> 0:34:20.480
<v Speaker 2>you manage all that stuff when you were working and

0:34:20.640 --> 0:34:22.319
<v Speaker 2>commuting and the kids, and how do you even do

0:34:22.360 --> 0:34:24.640
<v Speaker 2>it now as like a business owner with the kids,

0:34:24.680 --> 0:34:27.960
<v Speaker 2>It's like what, Because I he's an equal partner in

0:34:28.000 --> 0:34:30.279
<v Speaker 2>this and that has a lot to do with I

0:34:30.320 --> 0:34:33.320
<v Speaker 2>think how it allows me to make money and be happy,

0:34:33.360 --> 0:34:35.080
<v Speaker 2>and how our household lives and how we choose to

0:34:35.120 --> 0:34:37.160
<v Speaker 2>spend money. So I'm proud of the fact that I

0:34:37.280 --> 0:34:39.000
<v Speaker 2>chose I chose him as my husband.

0:34:39.800 --> 0:34:45.480
<v Speaker 1>Oh what's his name, Woody? Oh that is adorable. Yeah,

0:34:45.640 --> 0:34:49.200
<v Speaker 1>that's really adorable. So let's talk about them babies, as

0:34:49.239 --> 0:34:51.319
<v Speaker 1>black Carry says, let's talk about the kids. So what

0:34:51.360 --> 0:34:52.839
<v Speaker 1>are their ages? I have to ask.

0:34:53.520 --> 0:34:55.439
<v Speaker 2>Yeah, Oh my gosh, so all the birthdays are coming

0:34:55.480 --> 0:34:58.839
<v Speaker 2>up or have passed. So one just turned three, one

0:34:59.000 --> 0:35:01.759
<v Speaker 2>just turned five, and one is turning seven tomorrow.

0:35:02.120 --> 0:35:04.120
<v Speaker 1>Oh wow, three to seven. So they all still are

0:35:04.200 --> 0:35:06.120
<v Speaker 1>just like attached to mama and they don't.

0:35:06.000 --> 0:35:09.279
<v Speaker 2>Yeah, they're like, look, they don't care about anything but themselves.

0:35:09.280 --> 0:35:11.600
<v Speaker 2>It's like you should see this house, like every morning.

0:35:11.640 --> 0:35:16.040
<v Speaker 2>It's like it's crazy. I have seen the destruction that

0:35:16.080 --> 0:35:17.720
<v Speaker 2>one tiny human can create.

0:35:17.880 --> 0:35:20.880
<v Speaker 1>Jamila. I do not Like there are days when I

0:35:20.920 --> 0:35:22.440
<v Speaker 1>just want to. I close the door to the zenden,

0:35:22.480 --> 0:35:24.680
<v Speaker 1>which is my basement, and I just come down here

0:35:24.719 --> 0:35:26.520
<v Speaker 1>and I just like take some deep breaths because I

0:35:26.760 --> 0:35:31.640
<v Speaker 1>just pots and pans, Jamila, like all the utensils, dog toys.

0:35:31.680 --> 0:35:35.239
<v Speaker 1>It's insane. It's never actually toys, it's like everything in the.

0:35:35.160 --> 0:35:37.040
<v Speaker 3>Cabinets, and they feed off of each other.

0:35:37.080 --> 0:35:39.520
<v Speaker 2>Sometimes if one works up before the rest, it's like, okay,

0:35:39.560 --> 0:35:41.239
<v Speaker 2>we can, I can do this. And then like when

0:35:41.239 --> 0:35:43.759
<v Speaker 2>they all like get up and they're just feeding off

0:35:43.800 --> 0:35:44.600
<v Speaker 2>each other, I'm.

0:35:44.520 --> 0:35:47.319
<v Speaker 3>Like, all right, okay, I got it.

0:35:47.320 --> 0:35:49.040
<v Speaker 2>I got it, and I'm definitely I was my mom,

0:35:49.160 --> 0:35:50.920
<v Speaker 2>She jokes with me, because I was never like that

0:35:51.160 --> 0:35:53.759
<v Speaker 2>nurturing like I had. I have many siblings, but my

0:35:53.800 --> 0:35:56.239
<v Speaker 2>mom has I have a little sister and I was

0:35:56.239 --> 0:35:58.479
<v Speaker 2>about fourteen when she was born, and I never changed

0:35:58.480 --> 0:36:00.480
<v Speaker 2>the diaper. Like that's the kind of like big sistar

0:36:00.520 --> 0:36:03.799
<v Speaker 2>I was. So she's like, now as a parent, I'm like,

0:36:03.960 --> 0:36:05.759
<v Speaker 2>I need my space. But it's hard at this age

0:36:05.800 --> 0:36:08.720
<v Speaker 2>because they really all just fight to give me hugs,

0:36:08.719 --> 0:36:09.279
<v Speaker 2>which I love.

0:36:09.320 --> 0:36:10.360
<v Speaker 3>But it's a lot.

0:36:10.800 --> 0:36:13.000
<v Speaker 1>It's a lot. But I wanted to talk about that

0:36:13.120 --> 0:36:15.880
<v Speaker 1>because we just were Is the pandemic over yet? I

0:36:15.920 --> 0:36:18.200
<v Speaker 1>can't tell, but it feels like so at least a

0:36:18.280 --> 0:36:21.440
<v Speaker 1>solid year of pandemic life has gone by, and that

0:36:21.600 --> 0:36:24.879
<v Speaker 1>wasn't that far into you launching your business. So talk

0:36:24.920 --> 0:36:27.440
<v Speaker 1>to me, like what happened in y'all's world. And I'm

0:36:27.440 --> 0:36:30.239
<v Speaker 1>assuming you guys you're not in the studio apartment. Please

0:36:30.239 --> 0:36:34.040
<v Speaker 1>say no in or oh no, thank god, but paint

0:36:34.040 --> 0:36:36.000
<v Speaker 1>a picture for me. So do you work from home?

0:36:36.080 --> 0:36:38.760
<v Speaker 1>You got the three kids at home with you, your

0:36:38.960 --> 0:36:42.160
<v Speaker 1>your husband, I imagine doing virtual school at home? What

0:36:42.360 --> 0:36:45.840
<v Speaker 1>has that been like? How have y'all? And congratulations for

0:36:45.880 --> 0:36:48.040
<v Speaker 1>surviving it, but kind of talk to me about how

0:36:48.040 --> 0:36:50.160
<v Speaker 1>did that change the dynamic of the household and your

0:36:50.200 --> 0:36:51.719
<v Speaker 1>business while that was all going on.

0:36:52.120 --> 0:36:53.480
<v Speaker 3>Oh, it was really rough for me.

0:36:54.239 --> 0:36:56.439
<v Speaker 2>So I like, I quit my job right after giving

0:36:56.440 --> 0:36:58.680
<v Speaker 2>birth to my third in twenty eighteen, so I would

0:36:58.719 --> 0:37:00.799
<v Speaker 2>say two as in nineteen was my first full year

0:37:00.840 --> 0:37:02.920
<v Speaker 2>in entrepreneurship, so I count that as the first year

0:37:02.960 --> 0:37:06.520
<v Speaker 2>twenty nineteen kind of twenty twenty now, hello pandemic. And

0:37:06.600 --> 0:37:09.239
<v Speaker 2>so it was hard because I was just feeling like

0:37:09.280 --> 0:37:10.960
<v Speaker 2>I was getting into the groove of being at home

0:37:11.000 --> 0:37:14.279
<v Speaker 2>by myself on the day and working and then so

0:37:14.440 --> 0:37:17.960
<v Speaker 2>this happens and I'm just like, okay, and virtual learning

0:37:17.960 --> 0:37:19.800
<v Speaker 2>and they're all at the age where they need assistant.

0:37:19.840 --> 0:37:22.080
<v Speaker 2>They're not independent like you can like go go, you know,

0:37:22.160 --> 0:37:23.880
<v Speaker 2>just go over there and chill kind of and do

0:37:23.960 --> 0:37:28.160
<v Speaker 2>your work, and so it was really hard emotionally mentally.

0:37:28.480 --> 0:37:30.399
<v Speaker 2>You know, the good thing about is we did have

0:37:30.600 --> 0:37:33.279
<v Speaker 2>living help. So my aunt, bless her heart, she was

0:37:33.320 --> 0:37:34.960
<v Speaker 2>staying with us and helping out with the kids. So

0:37:34.960 --> 0:37:38.400
<v Speaker 2>she would help mostly with the baby, my daughter. But

0:37:38.440 --> 0:37:40.800
<v Speaker 2>the boys wanted nothing, like they if they know we're upstairs,

0:37:40.800 --> 0:37:41.880
<v Speaker 2>They're like, I'm.

0:37:41.680 --> 0:37:42.680
<v Speaker 3>Going to hang out with mom.

0:37:43.040 --> 0:37:45.440
<v Speaker 2>And so it was really hard because at first everything

0:37:45.440 --> 0:37:46.919
<v Speaker 2>I felt like more of it was on me because

0:37:47.160 --> 0:37:48.640
<v Speaker 2>you know, so I had to almost like OK to

0:37:48.719 --> 0:37:50.359
<v Speaker 2>my husband, like we're going to take turns with its

0:37:50.400 --> 0:37:53.239
<v Speaker 2>virtual stuff, right, and so we took more of a

0:37:53.440 --> 0:37:58.560
<v Speaker 2>shared process while he's still virtual learning him like teaching himself.

0:37:58.840 --> 0:38:01.120
<v Speaker 2>So because I also work, it wasn't like I didn't

0:38:01.120 --> 0:38:03.040
<v Speaker 2>have work. We both had work, so to kind of

0:38:03.080 --> 0:38:05.920
<v Speaker 2>like have that kind of shared responsibility helped. And then

0:38:05.960 --> 0:38:07.279
<v Speaker 2>you know, the other thing that really helped me was

0:38:07.320 --> 0:38:10.560
<v Speaker 2>getting back into fitness because I needed to get out.

0:38:10.560 --> 0:38:12.120
<v Speaker 2>So when I did feel safe to go take a

0:38:12.160 --> 0:38:14.359
<v Speaker 2>walk and to run, I started to do that and

0:38:14.400 --> 0:38:17.799
<v Speaker 2>that helped tremendously because I just needed something for me

0:38:18.280 --> 0:38:21.360
<v Speaker 2>outside of work, outside of the kids, outside of the husband.

0:38:21.400 --> 0:38:24.960
<v Speaker 2>And that definitely was helpful in my in what it

0:38:25.000 --> 0:38:26.640
<v Speaker 2>is my recovery from this whole thing.

0:38:28.280 --> 0:38:32.799
<v Speaker 1>I want to get there. I had gotten a peloton

0:38:33.120 --> 0:38:37.279
<v Speaker 1>last fall, and it's been wonderful. Look at me. I

0:38:37.360 --> 0:38:38.920
<v Speaker 1>just did the thing where they say if they if

0:38:39.160 --> 0:38:41.880
<v Speaker 1>someone has a peloton, they'll tell you. Anyway, my point is,

0:38:41.960 --> 0:38:45.680
<v Speaker 1>forget the peloton. I really got into a good exercise

0:38:45.719 --> 0:38:47.840
<v Speaker 1>groove last fall, and I was starting to feel so

0:38:47.960 --> 0:38:51.480
<v Speaker 1>much better just mentally and physically. But then I left.

0:38:51.560 --> 0:38:55.120
<v Speaker 1>So I left. I started my new solo predewer path.

0:38:55.480 --> 0:38:57.919
<v Speaker 1>I guess now, I don't know. A couple of months ago,

0:38:58.719 --> 0:39:02.160
<v Speaker 1>my fitness routine has gone out the window. It's I

0:39:02.200 --> 0:39:06.200
<v Speaker 1>how any advice because it's almost like not having that

0:39:06.800 --> 0:39:09.120
<v Speaker 1>that I'm going to be working from nine to five

0:39:09.520 --> 0:39:12.040
<v Speaker 1>and having more of this I build my schedule every day.

0:39:12.040 --> 0:39:14.439
<v Speaker 1>Thing has given me the sense of, oh, I can

0:39:14.480 --> 0:39:16.200
<v Speaker 1>work out whenever I want. But the problem is that

0:39:16.239 --> 0:39:19.319
<v Speaker 1>I just don't do it. Any advice, I feel you.

0:39:19.400 --> 0:39:21.080
<v Speaker 2>So the thing about this is, I probably so. I

0:39:21.160 --> 0:39:23.239
<v Speaker 2>used to be more fit before the kids. I was

0:39:23.239 --> 0:39:25.719
<v Speaker 2>like into CrossFit, doing all this crazy stuff. I felt

0:39:25.800 --> 0:39:28.120
<v Speaker 2>out and then the kids, you know, and then I

0:39:28.160 --> 0:39:30.560
<v Speaker 2>had like developed something called diace DISTRECTI you know, the

0:39:30.600 --> 0:39:33.880
<v Speaker 2>separation of the abs that a lot of oh moms have.

0:39:34.680 --> 0:39:35.640
<v Speaker 3>Yeah, So for.

0:39:35.520 --> 0:39:37.359
<v Speaker 1>That was the stuff of nightmares that I would read

0:39:37.360 --> 0:39:38.640
<v Speaker 1>about before I had my baby.

0:39:38.760 --> 0:39:39.920
<v Speaker 3>Yeah, so it was hard.

0:39:40.160 --> 0:39:41.520
<v Speaker 2>It was hard, and so I was like at this,

0:39:41.680 --> 0:39:42.959
<v Speaker 2>I was I gave up. I'm like, well, I feel

0:39:42.960 --> 0:39:44.960
<v Speaker 2>like my body will never be back. And I didn't

0:39:44.960 --> 0:39:46.279
<v Speaker 2>expect it to go back to what it was, but

0:39:46.400 --> 0:39:49.160
<v Speaker 2>something that I felt like because I identified so much

0:39:49.160 --> 0:39:52.360
<v Speaker 2>of being fit. So I would say all this because running,

0:39:52.640 --> 0:39:54.520
<v Speaker 2>that's one thing I do now, and I say I

0:39:54.560 --> 0:39:56.440
<v Speaker 2>hate it, but I still do it because I like

0:39:56.480 --> 0:39:58.279
<v Speaker 2>the results and I like the feeling afterwards.

0:39:58.320 --> 0:39:59.640
<v Speaker 3>But I have to.

0:39:59.600 --> 0:40:02.520
<v Speaker 2>Schedule in and I have to remember how I feel

0:40:02.560 --> 0:40:05.960
<v Speaker 2>after because if I only think about the feeling like

0:40:06.040 --> 0:40:08.200
<v Speaker 2>right before, I don't want to do it. And so

0:40:08.360 --> 0:40:10.640
<v Speaker 2>I give myself grace. So for the times where I'm overwhelmed,

0:40:10.680 --> 0:40:12.400
<v Speaker 2>I need a nap, I take a nap. But for

0:40:12.440 --> 0:40:14.080
<v Speaker 2>the times where I know you will feel so much

0:40:14.080 --> 0:40:15.680
<v Speaker 2>better if you just go out there and even just walk.

0:40:15.719 --> 0:40:17.799
<v Speaker 2>Maybe you don't run today, or if you do go

0:40:17.920 --> 0:40:21.000
<v Speaker 2>for that run, do it because you will feel better

0:40:21.040 --> 0:40:23.080
<v Speaker 2>because of it. And so for me, it's literally just

0:40:23.120 --> 0:40:27.160
<v Speaker 2>remembering the joy of the afterward and the results that

0:40:27.200 --> 0:40:30.400
<v Speaker 2>I'm seeing in terms of feeling better, having more energy,

0:40:30.640 --> 0:40:33.120
<v Speaker 2>feeling more like my old self. And I literally do

0:40:33.160 --> 0:40:35.239
<v Speaker 2>look at it as like me time, Like it's what

0:40:35.280 --> 0:40:37.560
<v Speaker 2>I'm doing for myself. So that's kind of what keeps

0:40:37.600 --> 0:40:39.640
<v Speaker 2>me motivated. And to my husband is kind of fit,

0:40:39.920 --> 0:40:41.480
<v Speaker 2>and I'm just like, I'm sorry, there's no way you're

0:40:41.520 --> 0:40:44.200
<v Speaker 2>going to keep like running, working out and looking like

0:40:44.239 --> 0:40:46.160
<v Speaker 2>it's bad enough you never had to like get birth

0:40:46.239 --> 0:40:48.239
<v Speaker 2>and you don't have to change in the body. I'm like,

0:40:48.239 --> 0:40:50.400
<v Speaker 2>you're not going to leave me behind, Like I'm sorry,

0:40:50.480 --> 0:40:53.839
<v Speaker 2>I'm gonna also do my best for me because I

0:40:53.880 --> 0:40:55.160
<v Speaker 2>want to feel good about myself.

0:40:55.200 --> 0:40:56.279
<v Speaker 3>So that's kind of what motivates me.

0:40:57.080 --> 0:40:59.160
<v Speaker 1>Oh that's nice. My husband's the one who can just

0:40:59.280 --> 0:41:02.440
<v Speaker 1>never gain way but eat all the donuts, and he

0:41:02.680 --> 0:41:04.800
<v Speaker 1>is like, just come have a donut. What's the big deal.

0:41:04.880 --> 0:41:09.319
<v Speaker 1>I'm like, biologically, my it's we're not the same. Get

0:41:09.320 --> 0:41:14.040
<v Speaker 1>out of that. That's awesome. Oh well, I feel like

0:41:14.080 --> 0:41:16.319
<v Speaker 1>this conversation has gone way too fast, but I guess

0:41:16.320 --> 0:41:18.920
<v Speaker 1>we should take a break. Really quick, and we'll come

0:41:18.920 --> 0:41:22.000
<v Speaker 1>back and answer some some listener questions and then we'll

0:41:22.200 --> 0:41:24.680
<v Speaker 1>have our special don't forget the brown Boost Brown Break

0:41:24.719 --> 0:41:27.040
<v Speaker 1>at the end, be thinking about what your brown Boost

0:41:27.080 --> 0:41:29.879
<v Speaker 1>and brown Break could be. And I will be right

0:41:29.920 --> 0:42:07.040
<v Speaker 1>back with today's co host, Jamila's toufront. Okay, we are

0:42:07.160 --> 0:42:10.200
<v Speaker 1>back for questions again. You guys can reach out to us,

0:42:10.320 --> 0:42:13.560
<v Speaker 1>hit us up on Brown Ambition Podcast on Instagram or

0:42:13.640 --> 0:42:17.080
<v Speaker 1>headever to our website Brownambitionpodcast dot com and click ask

0:42:17.160 --> 0:42:20.160
<v Speaker 1>us anything to submit your question. All right, Jamila, are

0:42:20.160 --> 0:42:23.279
<v Speaker 1>you ready to shake up? Okay? Sweet? All right, we

0:42:23.320 --> 0:42:25.879
<v Speaker 1>have a couple of great questions from our listeners. First

0:42:25.960 --> 0:42:29.480
<v Speaker 1>question comes from someone anonymous who's expecting a little bit

0:42:29.520 --> 0:42:31.200
<v Speaker 1>of an inheritance and wants to know what to do

0:42:31.239 --> 0:42:35.720
<v Speaker 1>with it already. So they say, I have about forty

0:42:35.760 --> 0:42:39.319
<v Speaker 1>two thousand dollars in credit card debt and only five

0:42:39.400 --> 0:42:42.480
<v Speaker 1>thousand dollars in my emergency fund due to a loss

0:42:42.480 --> 0:42:45.560
<v Speaker 1>in my family. I'm expecting an inheritance of about fifteen

0:42:45.600 --> 0:42:47.960
<v Speaker 1>thousand dollars. Should I use that money to put a

0:42:48.040 --> 0:42:50.400
<v Speaker 1>dent in my debt or to beef up my emergency

0:42:50.440 --> 0:42:54.040
<v Speaker 1>savings or even try to grow it through investing. I'm

0:42:54.120 --> 0:42:56.360
<v Speaker 1>leaning towards putting it toward my debt, but I was

0:42:56.440 --> 0:43:00.759
<v Speaker 1>curious what you would suggest. Thank you, So, Jamila, Before

0:43:00.760 --> 0:43:02.239
<v Speaker 1>we take this one, I have to remind y'all, we

0:43:02.320 --> 0:43:06.759
<v Speaker 1>are your financial girlfriends, not your financial planners. So we're

0:43:06.760 --> 0:43:10.399
<v Speaker 1>gonna give you some advice. We'll give you some opinions,

0:43:10.520 --> 0:43:13.000
<v Speaker 1>but ultimately you have to do it's best for yourself

0:43:13.040 --> 0:43:16.800
<v Speaker 1>and definitely seek out a professional financial advisor or planner

0:43:17.040 --> 0:43:20.120
<v Speaker 1>or other expertise if you know, really want to get

0:43:20.120 --> 0:43:24.880
<v Speaker 1>the best advice for your situation. Okay, disclaimers aside, forty

0:43:24.920 --> 0:43:27.920
<v Speaker 1>two k in credit card debt. My stomach is turning

0:43:27.960 --> 0:43:31.600
<v Speaker 1>in nods. Yeah so, but this has been a wild year,

0:43:31.880 --> 0:43:35.680
<v Speaker 1>and fifteen K from an inheritance is not a small

0:43:35.680 --> 0:43:38.200
<v Speaker 1>amount of money. What are you feeling about this, Jamila?

0:43:38.560 --> 0:43:38.799
<v Speaker 3>Yeah?

0:43:38.840 --> 0:43:40.719
<v Speaker 2>So all right with these questions, you know, I wish

0:43:40.760 --> 0:43:42.000
<v Speaker 2>I could just like talk to the person to get

0:43:42.000 --> 0:43:42.520
<v Speaker 2>more background.

0:43:42.520 --> 0:43:43.640
<v Speaker 3>By no, we don't have time for that.

0:43:43.800 --> 0:43:46.680
<v Speaker 2>So it looks like the five K things that if

0:43:46.680 --> 0:43:48.600
<v Speaker 2>you're listening to this or anyone in this situation, I

0:43:48.600 --> 0:43:50.920
<v Speaker 2>would ask, Okay, how long does that five K take you?

0:43:50.960 --> 0:43:54.239
<v Speaker 2>If there is an emergency or loss of income on

0:43:54.280 --> 0:43:57.080
<v Speaker 2>your beer Bon's like kind of budget. And so if

0:43:57.120 --> 0:43:59.320
<v Speaker 2>you tell me that can take you through the six months,

0:44:00.040 --> 0:44:01.839
<v Speaker 2>I don't know, depending on what that looks like for you,

0:44:02.160 --> 0:44:05.040
<v Speaker 2>then I'd say maybe put another one two thousand another

0:44:05.200 --> 0:44:07.319
<v Speaker 2>month or two on top of it, depending on how

0:44:07.400 --> 0:44:09.239
<v Speaker 2>much your cash flow is like to live your life

0:44:09.280 --> 0:44:12.880
<v Speaker 2>bear bones. And then I would look at your debt

0:44:13.120 --> 0:44:16.200
<v Speaker 2>and then make sure you are looking at your highest

0:44:16.200 --> 0:44:18.080
<v Speaker 2>interest rate debt. So you could either look at the

0:44:18.160 --> 0:44:20.839
<v Speaker 2>highest interest rate or lowest balance. But if you want

0:44:20.840 --> 0:44:23.880
<v Speaker 2>to do the be like math wise, you'd pay off

0:44:24.200 --> 0:44:26.920
<v Speaker 2>the highest interest rate first. If it's not all on

0:44:26.920 --> 0:44:29.239
<v Speaker 2>one card, but it's almost like, I would put a

0:44:29.280 --> 0:44:31.640
<v Speaker 2>couple thousand in emergency fund, depending on if it doesn't

0:44:31.640 --> 0:44:34.439
<v Speaker 2>take you out for three to six months, and then

0:44:34.600 --> 0:44:36.439
<v Speaker 2>put the rest on your credit card.

0:44:36.760 --> 0:44:40.319
<v Speaker 1>What do you think, Mandy, this one's hard. Forty two

0:44:40.360 --> 0:44:43.239
<v Speaker 1>thousand dollars in credit card debt is a lot. I mean,

0:44:43.280 --> 0:44:47.319
<v Speaker 1>if you're thinking about the average APR, I mean, even

0:44:47.360 --> 0:44:49.080
<v Speaker 1>if you have like perfect credit, what would it be

0:44:49.120 --> 0:44:52.720
<v Speaker 1>like seventeen eighteen nineteen percent is double digit? Yeah, credit

0:44:53.160 --> 0:44:56.200
<v Speaker 1>interest rate and that that forty two K it can

0:44:56.280 --> 0:45:00.080
<v Speaker 1>just balloon so quickly. And fifteen thousand dollars debt. I

0:45:00.080 --> 0:45:02.880
<v Speaker 1>don't really know the particulars of what happens with inheritance,

0:45:03.080 --> 0:45:05.800
<v Speaker 1>how it gets taxed or not taxed. Is it fifteen

0:45:05.880 --> 0:45:08.480
<v Speaker 1>k entirely or is it like you know, when you

0:45:08.520 --> 0:45:11.360
<v Speaker 1>get a bonus and then it becomes ten K instead

0:45:11.400 --> 0:45:16.839
<v Speaker 1>of fifteen. But my gut is saying, put a debt

0:45:16.920 --> 0:45:19.520
<v Speaker 1>in that debt. But what concerns me most of all

0:45:19.719 --> 0:45:22.640
<v Speaker 1>is the fact that you know, you've gotten that big

0:45:22.680 --> 0:45:25.759
<v Speaker 1>of a credit card hole to begin with, and what

0:45:25.920 --> 0:45:29.520
<v Speaker 1>might be like that's a pretty strong symptom that there's

0:45:29.560 --> 0:45:33.239
<v Speaker 1>something off kilter and your either your cash flow or

0:45:33.280 --> 0:45:36.600
<v Speaker 1>your expenses. You know, it's just not lining up. So

0:45:37.000 --> 0:45:40.799
<v Speaker 1>and without having more information, I would say, definitely look

0:45:40.840 --> 0:45:42.640
<v Speaker 1>at you know, where did this forty two K and

0:45:42.680 --> 0:45:46.680
<v Speaker 1>credit card debt come from? What caused me to accrue

0:45:46.680 --> 0:45:49.360
<v Speaker 1>this debt? And this is no judgment, like shit happens.

0:45:49.520 --> 0:45:53.799
<v Speaker 1>I believe me. I'm no stranger to debt myself, but

0:45:54.360 --> 0:45:56.799
<v Speaker 1>you know, figure out what was it and if it was,

0:45:57.120 --> 0:46:00.040
<v Speaker 1>you know, I never really had enough money in my

0:46:00.040 --> 0:46:03.000
<v Speaker 1>emergency fund, and maybe it was medical bills, or it

0:46:03.040 --> 0:46:06.040
<v Speaker 1>was an unexpected expense that you know drove you to

0:46:06.400 --> 0:46:10.719
<v Speaker 1>wrack up that credit card debt that honestly, by not

0:46:10.960 --> 0:46:13.840
<v Speaker 1>putting cash away for your emergency fund, you could just

0:46:13.920 --> 0:46:16.279
<v Speaker 1>be like, what I'm trying to get at is if

0:46:16.280 --> 0:46:18.839
<v Speaker 1>you put that entire money toward your credit card debt

0:46:19.239 --> 0:46:22.240
<v Speaker 1>and you still have a very small emergency fund, will

0:46:22.320 --> 0:46:26.080
<v Speaker 1>you be quickly racketing back up that debt because you

0:46:26.120 --> 0:46:29.719
<v Speaker 1>don't have that that buffer of cash. You know, so

0:46:30.840 --> 0:46:34.200
<v Speaker 1>I'm leaning toward more. I don't like, put put maybe

0:46:34.280 --> 0:46:36.920
<v Speaker 1>half of that fifteen k in your emergency fund and

0:46:37.040 --> 0:46:39.240
<v Speaker 1>use the other half to start shipping away that credit

0:46:39.280 --> 0:46:42.520
<v Speaker 1>card debt. But then say, okay, I'm putting this money

0:46:42.520 --> 0:46:44.880
<v Speaker 1>in my emergency fund. It is on lockdown. That is

0:46:44.960 --> 0:46:47.799
<v Speaker 1>for you know, that is for my own financial security,

0:46:48.040 --> 0:46:50.840
<v Speaker 1>to be sure that you know, my family and myself

0:46:50.840 --> 0:46:53.800
<v Speaker 1>are taken care of, and then get really aggressive about

0:46:54.320 --> 0:46:58.200
<v Speaker 1>attacking that that remaining credit card debt balance. Looking into

0:46:58.200 --> 0:47:02.520
<v Speaker 1>options like I love talking about debt consolidation loans. For example,

0:47:02.800 --> 0:47:05.080
<v Speaker 1>you know, you can take out a personal loan through

0:47:05.080 --> 0:47:07.320
<v Speaker 1>a credit union or through an online bank or something

0:47:07.360 --> 0:47:10.480
<v Speaker 1>like that at a reduced interest rate, then you're how

0:47:10.560 --> 0:47:13.080
<v Speaker 1>much the credit card debt is costing. You get that

0:47:13.719 --> 0:47:17.000
<v Speaker 1>all consolidated under one loan, and then you have a

0:47:17.040 --> 0:47:20.920
<v Speaker 1>fixed payment monthly that you know how much a cost

0:47:21.040 --> 0:47:24.520
<v Speaker 1>and you also can live, you know, without the crazy

0:47:24.600 --> 0:47:27.560
<v Speaker 1>high interest rates accruing over your head that would accrue

0:47:27.680 --> 0:47:30.120
<v Speaker 1>with a credit card. TIF and I talk about balance

0:47:30.160 --> 0:47:31.920
<v Speaker 1>transfer cards. I don't know if you've ever used a

0:47:31.960 --> 0:47:34.759
<v Speaker 1>balance transfer offer from a credit card umala or not.

0:47:35.160 --> 0:47:38.120
<v Speaker 1>We didn't even talk about credit card debt, but I have.

0:47:38.360 --> 0:47:39.480
<v Speaker 3>I have, and it's smart.

0:47:39.520 --> 0:47:41.240
<v Speaker 2>And I love that you're going back to like the

0:47:41.480 --> 0:47:43.919
<v Speaker 2>behavior and habits that got her into the debt because

0:47:43.920 --> 0:47:45.799
<v Speaker 2>that you're right, that does matter in terms of what

0:47:45.840 --> 0:47:47.839
<v Speaker 2>you do with this money that you're getting now.

0:47:48.560 --> 0:47:51.040
<v Speaker 1>Yeah. Absolutely, And I would say, like if it was

0:47:51.160 --> 0:47:52.560
<v Speaker 1>if it was fifteen K and that was going to

0:47:52.640 --> 0:47:54.200
<v Speaker 1>knock out your credit card debt and you could start

0:47:54.200 --> 0:47:57.040
<v Speaker 1>from scratch, I might say, Okay, go on and do it.

0:47:57.080 --> 0:47:59.319
<v Speaker 1>But it's just such a big total. And after the

0:47:59.400 --> 0:48:01.440
<v Speaker 1>year we've had, I just feel like people need to

0:48:01.440 --> 0:48:04.000
<v Speaker 1>put their own safety, you know, life vests on first

0:48:04.440 --> 0:48:07.319
<v Speaker 1>and have a little bit more cushion in their emergency fund.

0:48:07.400 --> 0:48:10.440
<v Speaker 1>But then listen, there's no getting out of that forty

0:48:10.440 --> 0:48:12.760
<v Speaker 1>two thousand dollars in debt. That's not going to involve

0:48:13.160 --> 0:48:16.960
<v Speaker 1>really looking at either how much you're spending or really

0:48:17.000 --> 0:48:20.560
<v Speaker 1>pursuing increased earning. So I think twenty twenty one, this

0:48:20.640 --> 0:48:22.719
<v Speaker 1>new post pandemic year, has got to be the year

0:48:22.719 --> 0:48:25.160
<v Speaker 1>where you really sit down and, you know, think about

0:48:25.160 --> 0:48:27.680
<v Speaker 1>how can I bring an additional income to chip away

0:48:27.680 --> 0:48:31.319
<v Speaker 1>at this debt. And I don't know anything about your life,

0:48:31.320 --> 0:48:34.160
<v Speaker 1>and I'm really I'm sure there may be circumstances that

0:48:34.239 --> 0:48:37.560
<v Speaker 1>prevent you from taking on a side hustle or or whatever.

0:48:37.600 --> 0:48:40.719
<v Speaker 1>This is a no judgment zone, but if you're capable

0:48:40.760 --> 0:48:43.879
<v Speaker 1>of it, I would, I would really try to start

0:48:43.880 --> 0:48:45.800
<v Speaker 1>looking at ways to increase your income so that you

0:48:45.800 --> 0:48:48.480
<v Speaker 1>can get that debt off your back and truly be

0:48:48.560 --> 0:48:51.279
<v Speaker 1>on your way toward investing, which it sounds like you

0:48:51.320 --> 0:48:55.319
<v Speaker 1>know you're thinking about investing as well. That is, that

0:48:55.400 --> 0:48:59.280
<v Speaker 1>is an amazing goal to have, but it's it's difficult

0:48:59.320 --> 0:49:01.320
<v Speaker 1>to get there when you also have such a huge,

0:49:01.560 --> 0:49:03.439
<v Speaker 1>you know, credit card debt balance at the same time.

0:49:03.640 --> 0:49:06.040
<v Speaker 2>Yeah, last thing I'll add on this is that you know,

0:49:06.080 --> 0:49:08.640
<v Speaker 2>I'm not a fan of overthinking. Sometimes we can paralyze

0:49:08.680 --> 0:49:11.760
<v Speaker 2>ourselves with like doing so much research, we don't do anything.

0:49:11.800 --> 0:49:13.319
<v Speaker 2>But don't think that as soon as you get the

0:49:13.320 --> 0:49:15.600
<v Speaker 2>money you have to make an instant decision.

0:49:15.719 --> 0:49:16.319
<v Speaker 3>I love that one.

0:49:16.360 --> 0:49:19.160
<v Speaker 2>You're like listening to this podcast and you're setting in

0:49:19.160 --> 0:49:20.920
<v Speaker 2>the question because that means you're aware, you know you

0:49:21.680 --> 0:49:24.800
<v Speaker 2>are doing the work upfront, but don't be pressured into

0:49:24.880 --> 0:49:27.200
<v Speaker 2>having to make a decision right away. Continue to think

0:49:27.200 --> 0:49:29.160
<v Speaker 2>about all the things that Mandy and I just said,

0:49:29.520 --> 0:49:31.480
<v Speaker 2>but make a decision. I do think you should, but

0:49:31.520 --> 0:49:32.640
<v Speaker 2>don't rush to do it.

0:49:33.360 --> 0:49:37.080
<v Speaker 1>Yeah, that's it's important too. Yeah exactly. It's not like

0:49:37.080 --> 0:49:39.120
<v Speaker 1>that money you can just clunk it in your savings

0:49:39.120 --> 0:49:41.680
<v Speaker 1>account and see how that feels for a bit while

0:49:41.680 --> 0:49:43.640
<v Speaker 1>you're figuring out how to how to tackle that credit

0:49:43.719 --> 0:49:46.160
<v Speaker 1>card debt. Just don't you know. I mean, the one

0:49:46.200 --> 0:49:47.879
<v Speaker 1>thing I would say don't do is maybe don't buy

0:49:48.000 --> 0:49:50.600
<v Speaker 1>bitcoin with it. Well that that would buy you like

0:49:50.640 --> 0:49:52.319
<v Speaker 1>a third of a bitcoin these days, I don't know.

0:49:53.120 --> 0:49:55.400
<v Speaker 1>All right, Well, I hope that this what's helpful for you.

0:49:55.480 --> 0:49:57.879
<v Speaker 1>Thank you so much for leaving us your question Again.

0:49:58.000 --> 0:50:00.560
<v Speaker 1>Y'all hit us up at Brandon Mission podcast on if

0:50:00.600 --> 0:50:36.279
<v Speaker 1>you have more questions for us? All right, Jamila, it

0:50:36.400 --> 0:50:38.680
<v Speaker 1>is the time we've all been waiting for. It is

0:50:38.680 --> 0:50:41.440
<v Speaker 1>the all important brown boost brown break. At the end

0:50:41.480 --> 0:50:43.480
<v Speaker 1>of the show, what are you going to boost or

0:50:43.520 --> 0:50:44.080
<v Speaker 1>break today?

0:50:45.280 --> 0:50:50.040
<v Speaker 2>I'm going to break the expectation that we, as women

0:50:50.120 --> 0:50:52.000
<v Speaker 2>or leaders in our family who are in this role,

0:50:52.080 --> 0:50:56.360
<v Speaker 2>have to do everything. I think our lives just waking

0:50:56.440 --> 0:50:58.200
<v Speaker 2>up by yourself, even if you don't have kids, okay,

0:50:58.239 --> 0:51:00.560
<v Speaker 2>It's like life is hard, okay. And so I think

0:51:00.760 --> 0:51:03.560
<v Speaker 2>this pressure on us to be perfect moms and to

0:51:03.760 --> 0:51:06.759
<v Speaker 2>be fit and to you know, to send all the

0:51:06.760 --> 0:51:08.880
<v Speaker 2>thank you notes and have just all these things. I

0:51:08.920 --> 0:51:13.440
<v Speaker 2>think we need to really rebelegance and know that you're doing, okay,

0:51:13.480 --> 0:51:15.560
<v Speaker 2>the best you can. And so it's really important to

0:51:15.600 --> 0:51:19.240
<v Speaker 2>prioritize yourself and be selfish. And I know that sounds crazy,

0:51:19.280 --> 0:51:21.719
<v Speaker 2>but for some people not anymore. You sound crazy to me,

0:51:21.760 --> 0:51:24.560
<v Speaker 2>but I know that if I am happier than everyone

0:51:24.560 --> 0:51:27.040
<v Speaker 2>else in my family is happier because I can give more.

0:51:27.160 --> 0:51:28.719
<v Speaker 2>And so I want to break the expectation that we

0:51:28.760 --> 0:51:31.319
<v Speaker 2>have to be everybody to everyone else, and we need

0:51:31.400 --> 0:51:33.720
<v Speaker 2>to be what we need for ourselves first.

0:51:34.480 --> 0:51:36.560
<v Speaker 1>I love that, and I feel like that is that

0:51:36.680 --> 0:51:39.759
<v Speaker 1>message and that thought process is so evident on your

0:51:39.800 --> 0:51:41.919
<v Speaker 1>social media. I really love following you because I feel

0:51:41.920 --> 0:51:43.799
<v Speaker 1>like it's so positive. So if you guys don't follow

0:51:43.880 --> 0:51:47.160
<v Speaker 1>Jamila yet, go to follow her you twice. First follow

0:51:47.160 --> 0:51:50.080
<v Speaker 1>her at her personal handle Jamila's Uffront, and then second

0:51:50.080 --> 0:51:52.720
<v Speaker 1>go follow her at Journey to Launch on all social

0:51:52.719 --> 0:51:55.600
<v Speaker 1>media platforms. It just feels like, Yeah, it's a breadth

0:51:55.600 --> 0:51:57.960
<v Speaker 1>of fresh air. And thank you for that positive message.

0:51:58.000 --> 0:51:58.520
<v Speaker 3>Oh thank you.

0:51:59.040 --> 0:52:00.960
<v Speaker 1>Yeah, Well, let me and the show with a quick

0:52:01.000 --> 0:52:06.040
<v Speaker 1>boost myself. We just celebrated the first official Juneteenth holiday

0:52:06.080 --> 0:52:08.799
<v Speaker 1>on the federal calendar. It happened so quick, and I

0:52:08.880 --> 0:52:10.600
<v Speaker 1>know that there was I don't know how you feel.

0:52:10.640 --> 0:52:12.400
<v Speaker 1>We only have time to get into it, but there

0:52:12.400 --> 0:52:15.440
<v Speaker 1>are some feelings about Juneteenth. Is it enough? Is it

0:52:15.480 --> 0:52:18.520
<v Speaker 1>not enough? But you know what I decided. Of course,

0:52:18.520 --> 0:52:20.279
<v Speaker 1>there's still so much work to be done. This is

0:52:20.320 --> 0:52:22.480
<v Speaker 1>not it. You can't just give us a holiday and

0:52:22.520 --> 0:52:24.839
<v Speaker 1>then call it quits. But I'm like, for one thing,

0:52:25.280 --> 0:52:27.719
<v Speaker 1>we got something in the summer, y'all, Like it's not

0:52:27.760 --> 0:52:31.319
<v Speaker 1>the dead of winter. That's nice to have a chance

0:52:31.360 --> 0:52:34.560
<v Speaker 1>to celebrate, to blackness. And so what I decided to

0:52:34.600 --> 0:52:37.440
<v Speaker 1>do this weekend was the weather was going to be okay,

0:52:37.480 --> 0:52:40.320
<v Speaker 1>So I threw a last minute barbecue for my neighbors.

0:52:40.640 --> 0:52:43.040
<v Speaker 1>And just in my neighborhood is, like I said, we

0:52:43.080 --> 0:52:45.000
<v Speaker 1>have a lot of diversity. Mostly it's like a largely

0:52:45.000 --> 0:52:48.719
<v Speaker 1>black neighborhood here in my county outside of New York.

0:52:48.800 --> 0:52:51.400
<v Speaker 1>And I just invited the neighbors over. I got a

0:52:51.400 --> 0:52:54.960
<v Speaker 1>big ass cake that said Juneteenth Freedom Day on it.

0:52:55.360 --> 0:52:57.960
<v Speaker 1>We made burgers and hot dogs, and it was just

0:52:58.000 --> 0:52:59.719
<v Speaker 1>a I don't know, it was just an opportunity to

0:52:59.800 --> 0:53:02.880
<v Speaker 1>just come together as a community and to to heal

0:53:03.040 --> 0:53:06.240
<v Speaker 1>a little bit from the trauma, the trauma of a lifetime,

0:53:06.239 --> 0:53:10.080
<v Speaker 1>but especially this past year. So I just wanted to say,

0:53:10.280 --> 0:53:14.160
<v Speaker 1>you know, unapologetically, you know, celebrate these small pockets of

0:53:14.560 --> 0:53:17.680
<v Speaker 1>positive time that we've been given. And if Juneteenth is

0:53:17.719 --> 0:53:20.359
<v Speaker 1>an opportunity to do that, I would say, do it

0:53:20.400 --> 0:53:25.000
<v Speaker 1>without apology. It was. It was really beautiful, and the

0:53:25.120 --> 0:53:27.520
<v Speaker 1>work continues. You know, we still got to fight for

0:53:27.920 --> 0:53:31.520
<v Speaker 1>voting rights and police law enforcement reform and all of

0:53:31.560 --> 0:53:33.600
<v Speaker 1>the things, but you know, it was it was a

0:53:33.680 --> 0:53:37.160
<v Speaker 1>nice opportunity to just sit back and just celebrate ourselves.

0:53:37.280 --> 0:53:39.000
<v Speaker 2>And if I can add something there, I'm with you

0:53:39.120 --> 0:53:41.600
<v Speaker 2>Mandy on that we need to lean into joy and

0:53:41.680 --> 0:53:45.080
<v Speaker 2>choose joy, especially for those of us we have little

0:53:45.080 --> 0:53:47.160
<v Speaker 2>ones watching us, and so for me, you know, we've

0:53:47.160 --> 0:53:49.399
<v Speaker 2>been celebrating birthdays all for the last six weeks since

0:53:49.400 --> 0:53:51.600
<v Speaker 2>they're all like kind of lumped up together. And so

0:53:51.640 --> 0:53:53.520
<v Speaker 2>we went, we had fun, we went to Coney Island,

0:53:53.560 --> 0:53:56.200
<v Speaker 2>and I'm just like, we deserve joy, we deserve rest,

0:53:56.800 --> 0:53:59.800
<v Speaker 2>and we deserve to know we we can also earn money,

0:54:00.120 --> 0:54:02.359
<v Speaker 2>be good with money, and have the freedom we want

0:54:02.760 --> 0:54:03.359
<v Speaker 2>and without money.

0:54:03.360 --> 0:54:04.360
<v Speaker 3>I know money is the baseline.

0:54:04.360 --> 0:54:06.640
<v Speaker 2>I know that, but you know there's so much other

0:54:06.760 --> 0:54:09.840
<v Speaker 2>untapped currency in our relationships and enjoy.

0:54:09.920 --> 0:54:10.880
<v Speaker 3>So let's lean into that.

0:54:12.120 --> 0:54:14.960
<v Speaker 1>I love that. Well, jamilastuf Front Journey to Launch, thank

0:54:15.000 --> 0:54:17.319
<v Speaker 1>you so much for joining me in the co host chair.

0:54:17.400 --> 0:54:18.240
<v Speaker 1>I hope it was fun.

0:54:18.600 --> 0:54:21.839
<v Speaker 3>Oh, this was so amazing and exciting. I I can't believe.

0:54:21.880 --> 0:54:24.319
<v Speaker 2>I'm like, you know, Tiffany, like I got a chance

0:54:24.360 --> 0:54:25.600
<v Speaker 2>to like kind of step in for her because you

0:54:25.600 --> 0:54:27.600
<v Speaker 2>know I love her and you, So this was awesome.

0:54:28.080 --> 0:54:30.040
<v Speaker 1>Thank you so much. All right, Well, best of luck

0:54:30.080 --> 0:54:32.759
<v Speaker 1>with the as the journey continues, and thank you so

0:54:32.840 --> 0:54:35.200
<v Speaker 1>much for joining us, Thank you for having me