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Speaker 1: It's way up at Angela Yee. And you know it's

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Speaker 1: my favorite day of the week, A Wednesday. Okay for

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Speaker 1: Wealth Wednesday. My partner Stacy Tisdale is here.

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Speaker 2: Happy Wealth Wednesday's everybody. It is our favorite day of

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Speaker 2: the week and this is by far gonna be one

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Speaker 2: of our favorite Wealth Wednesdays.

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Speaker 3: Yours two.

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Speaker 2: Everybody's this everybody, Yes, everybody's because we have Tiffany the

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Speaker 2: budget Nista alit with us and we are so honored

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Speaker 2: to have her and celebrate yet another win for her,

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Speaker 2: her new book that just came out, Made Whole. And

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Speaker 2: if there's anybody on this planet who doesn't know who

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Speaker 2: this woman is, right, she is a celebrity, no celebrity

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Speaker 2: to meinancial expert, America's favorite financial expert because she has

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Speaker 2: a New York Times bestseller, Get Good with Money. She's

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Speaker 2: an NAACP Image Award nominee. Jealous the first black woman

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Speaker 2: to grace the cover of Money magazine. You co host

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Speaker 2: a top ranked financial pots called Brown Ambition, co founder

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Speaker 2: of Literature Academy, on Good Morning America, on The Today Show,

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Speaker 2: Everything Else. One of my favorite things is she helped

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Speaker 2: get legislation passed in the state of New Jersey. It's

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Speaker 2: called the budget neiste to law. You know, you're badass

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Speaker 2: law that makes financial literacy an area that I'm super

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Speaker 2: passionate about. Angela's super passionate about a requirement for middle

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Speaker 2: school students. That's a mouthful. And before we even jump

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Speaker 2: into everything about the book, your background is so fascinating.

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Speaker 2: I know your parents are from Nigeria. They raised you

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Speaker 2: to with a focus on financial literacy, and that's really

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Speaker 2: informed you and really informed the development and the creation

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Speaker 2: of the show.

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Speaker 1: It really does show how somebody from a young age

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Speaker 1: can when we teach children this, and that's why you

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Speaker 1: got that legislation pass, how it can really impact their future.

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Speaker 4: Absolutely. I'm one of five girls, So first of all,

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Speaker 4: thank you for having me on.

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Speaker 3: It's awesome.

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Speaker 4: But yeah, I'm one of five girls, and I learned

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Speaker 4: about money at home. My father was a CFO and

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Speaker 4: an accountant and my mom a nurse, and so my

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Speaker 4: dad would literally we'd have money lessons in the living

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Speaker 4: room and then my mom would like we would go

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Speaker 4: food shopping with her and clothing shopping with her, and

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Speaker 4: she would show us, like in the real world, how

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Speaker 4: money worked. I didn't realize that other people didn't get

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Speaker 4: that until really college and my college dorm mate, she

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Speaker 4: had debt collectors called our dorm room. We thought it

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Speaker 4: was funny because you know, your kid, you're seventeen, you

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Speaker 4: know you're making up funny voices, you know, just be like, hello,

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Speaker 4: my dad. I told my dad and he was like, yeah,

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Speaker 4: that's not funny, that's real life, and here's what you

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Speaker 4: need to tell her. And it was like in that

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Speaker 4: transferring of information that I realized, I think I want

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Speaker 4: to do that that I didn't realize. Everyone didn't have

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Speaker 4: this information, but there's power in it. And so it's

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Speaker 4: been fifteen years since I started the Budgetista and I've

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Speaker 4: helped over two million women then some men, the ones

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Speaker 4: who would listen, right, But yes, it's been an awesome ride.

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Speaker 1: But even your own experiences with money too, because sometimes

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Speaker 1: it is hard to talk about debt that you have

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Speaker 1: and trying to get yourself out of that. So I

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Speaker 1: always find it relatable because I definitely had a lot

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Speaker 1: of debt when I first got out of college. I

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Speaker 1: had things that you know, I talked about it before.

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Speaker 1: It was one of the biggest things I did was

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Speaker 1: to be able to admit I was like thirty thousand

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Speaker 1: dollars in debt and I had to figure out how

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Speaker 1: to pay that off. And you know, it was on

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Speaker 1: my MX card and they don't play. Yeah, they don't

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Speaker 1: at all. Well, you all want that, but when you

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Speaker 1: miss a payment, they it's over for you. So can

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Speaker 1: you talk about your own personal experiences with that?

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Speaker 4: So, ANGELI, when I was about twenty five, I was

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Speaker 4: what I called financially perfect, eight hundred credit score. I

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Speaker 4: had thirty thousand dollars safe even though I was a

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Speaker 4: school tea church twenty five. Yeah, so I was basically

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Speaker 4: just doing what my parents told me. And then at

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Speaker 4: twenty six I started what the old people called smelling yourself.

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Speaker 4: I was like, I don't get to task for advice.

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Speaker 4: I'm out here by myself. And so I invested with

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Speaker 4: a friend of mine who was a scammer. I didn't

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Speaker 4: know that, you know, he had like the Lambeau, nice

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Speaker 4: apartment in the city, and I didn't know at that

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Speaker 4: age that like you could have nice things but actually

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Speaker 4: not have money, right because he was scamming, you know.

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Speaker 4: And so he told me, yeah, let's invest and it

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Speaker 4: was it put me thirty five thousand dollars in credit

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Speaker 4: card debt, and by twenty five I'd bought a condo

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Speaker 4: because I thought, Okay, I'm growing, let me get my

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Speaker 4: own place. So that was two hundred and twenty thousand dollars.

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Speaker 4: And at twenty five I also got my master's in education,

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Speaker 4: which was another fifty two thousand. So I was like

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Speaker 4: three hundred thousand dollars in debt. Then by twenty seven,

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Speaker 4: twenty eight, I'd lost my job. Wow, so I had

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Speaker 4: all this debt no job. The recession hit the next year.

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Speaker 4: It was like this accumulation of everything that could go

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Speaker 4: wrong financially went wrong, and by the time I was thirty,

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Speaker 4: I just thought there's no way that I could dig

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Speaker 4: my way out of this. I ended up moving back

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Speaker 4: home with my parents and spending my thirtieth birth day

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Speaker 4: in my middle school bed.

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Speaker 3: Oh my gosh, what kind of fans?

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Speaker 1: And I have to ask you, with your dad having

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Speaker 1: raised you and your and your mom talking about financial.

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Speaker 4: I said, it's a resets. I need to come back home.

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Speaker 4: It wasn't until years later that I wrote a book.

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Speaker 4: It wasn't this book made whole, but I wrote a book,

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Speaker 4: and I told my dad I need you to read

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Speaker 4: the last check. That's what I told you. He was like,

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Speaker 4: is that. I was like, yes, it was like, I mean, okay.

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Speaker 4: But so that's the thing that like when I'm teaching

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Speaker 4: financial education. When I wrote the book made whole, it

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Speaker 4: really was from a place of I understand the shame

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Speaker 4: and the blame and the overwhelmed, and here are the

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Speaker 4: steps to get to for you to get to where

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Speaker 4: you want to get to, because I've been there and

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Speaker 4: I know how scary it feels.

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Speaker 2: Maideholes kind of a work book to your New York

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Speaker 2: Times bestseller Get Good with Money, which everybody should check out.

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Speaker 2: How do they work together? And what if someone didn't

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Speaker 2: read Get Good with Money.

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Speaker 4: That's okay, if you didn't read Giger with Money. I

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Speaker 4: think about Get Good with Money as a textbook, right,

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Speaker 4: and so almost three hundred thousand people have purchased that

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Speaker 4: book already. And so but if you're someone who wants

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Speaker 4: to learn the lesson and then do the lesson immediately,

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Speaker 4: that's what made wholeness. It's the same ten steps to

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Speaker 4: financial wholeness, which is budgeting, savings, debt, credit, income, investing, insurance,

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Speaker 4: net worth, your financial team, and estate planning, she's not playing.

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Speaker 3: She knows all ten off the top of her head.

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Speaker 4: Yeah, you know, that's how.

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Speaker 3: Deeply involved it.

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Speaker 4: Yeah, because so I don't really believe in like preaching

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Speaker 4: financial freedom meaning you're gonna have a lump sum of money,

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Speaker 4: you won't have to work one day, because maybe that

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Speaker 4: might happen, maybe it might might not right, But with

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Speaker 4: financial wholeness, everyone can achieve these ten steps. Everyone can

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Speaker 4: master and maintain these ten steps, which means that if

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Speaker 4: a session happens, you're gonna be all right. Right, you

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Speaker 4: lose your job, you're gonna be all right, interest rates

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Speaker 4: are high, you're gonna be all right. That's what financial

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Speaker 4: wholeness gets you to.

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Speaker 1: Yeah, because even saying I'm gonna have this lium sum

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Speaker 1: of money and that things happen.

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Speaker 2: Yeah.

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Speaker 1: We So in COVID hit, you might have thought everything

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Speaker 1: was all set for you. You have these properties, and

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Speaker 1: then people stopped paying rent.

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Speaker 4: Yeah, and then now what happens. You don't have financial holeness. So,

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Speaker 4: for example, with financial holeness, so a lot of people

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Speaker 4: who follow me know that two years ago, unfortunately my

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Speaker 4: husband so sorry, and I honestly we didn't have a will.

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Speaker 4: I was ninety percent hole when I wrote Gecker with

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Speaker 4: money and I was like, I'll get to a will

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Speaker 4: later because he was only forty one and thankfully we

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Speaker 4: had done ninety percent of what we're supposed to do,

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Speaker 4: so it it financially. I got to just miss him

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Speaker 4: and it didn't leave a financial hole for myself, my

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Speaker 4: stepdaughter or family. And so like that estate planning chapter

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Speaker 4: especially made whole is especially important to me because I

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Speaker 4: think people you don't think about it. You think to yourself,

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Speaker 4: you know you're gonna be here for that.

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Speaker 1: That's one thing I need to do. I've been telling

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Speaker 1: myself that I need to handle that. Like I did

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Speaker 1: my life insurance. I made sure that was straight. But

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Speaker 1: knowing that and especially like I just got my real

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Speaker 1: estate license, but things like that that's in that I

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Speaker 1: was learning when I was taking the classes. It really

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Speaker 1: made me realize, I have to make sure I do

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Speaker 1: this because you don't know once you're not here.

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Speaker 4: Yeah, because I'm telling you like like so for example,

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Speaker 4: like so Angela, so for you, you likely would need a

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Speaker 4: trust right, So that just means everything basically the trust

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Speaker 4: owns everything now and then you put your beneficiaries inside

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Speaker 4: the trust so you guys kind of co own everything,

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Speaker 4: but that's the trustee. You're in charge of it. Okay,

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Speaker 4: So if something God forbid were to happen to you,

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Speaker 4: they don't Your family or whoever your beneficiaries are don't

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Speaker 4: have they don't have to inherit the stuff. This is

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Speaker 4: why it like taxes y. Yeah, and so because they're

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Speaker 4: already your owners because it's part of the trust. So

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Speaker 4: even now, all my life insurance policies, I signed them

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Speaker 4: over to the trust. Okay, all my whole I own.

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Speaker 4: I haven't done that. This is good, yes, because if not,

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Speaker 4: you know, like for example, in like California, literally there

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Speaker 4: are people so grandma bought the house for fifty thousand

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Speaker 4: dollars and now it's worth two million, and so you

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Speaker 4: inherit it in California. State of California said there's a

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Speaker 4: fifty percent inheritance tax. So now you have to come

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Speaker 4: up with a million dollars And how do you do that?

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Speaker 4: You sell that out? You know. But if you have

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Speaker 4: a state planning in place, even I don't care if

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Speaker 4: you're twenty one listening to this estate planning at twenty

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Speaker 4: one is do you have a bank account, put your

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Speaker 4: Mama down as a beneficiary.

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Speaker 2: Because eighteen, I realized my son went to college this

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Speaker 2: year that if he didn't, if I didn't get him

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Speaker 2: to sign a medical power of attorney, just like we

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Speaker 2: would need to in a financial power of attorney. He's

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Speaker 2: my baby, but in the eyes of the lot, he's

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Speaker 2: an adult I can't get because of hippolaws, I would

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Speaker 2: not be able to get medical information, make medical decisions,

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Speaker 2: and if then you're right, any of their finances. So

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Speaker 2: estate planning is a critical you think about it. Parents

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Speaker 2: need to do this, but your kids need to do this,

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Speaker 2: and you know, getting your kids together, that's what motivate

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Speaker 2: you do.

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Speaker 4: That's why I wrote made Whole because I'm like, there

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Speaker 4: are things you're like I never thought about that, Like insurance.

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Speaker 4: Most of us are under insurance insurance. I don't think

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Speaker 4: people would understand the purpose of insurance. It is supposed

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Speaker 4: to protect the assets that you've accumulated. So like your

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Speaker 4: body is an assey, you have health insurance. Your life

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Speaker 4: is an asset you have. You have life insurance. You

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Speaker 4: have a pet, you know, like I.

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Speaker 3: Mean, yeah, you have It's very expensive when you have child.

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Speaker 4: When Fluffy has a car, that's five thousand dollars. Start

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Speaker 4: looking at Fluffy like it's been a good life.

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Speaker 1: I love it time now, But that's true, and I'm

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Speaker 1: glad that we're having this conversation because now it's a

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Speaker 1: priority for me to make sure I handle and there's

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Speaker 1: so many different ways to do it. I remember somebody

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Speaker 1: told me one time, I don't need life insurance because

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Speaker 1: I don't have kids and.

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Speaker 4: Bigger than that.

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Speaker 1: So at first I didn't have it, and then I

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Speaker 1: was like and then I was doing my own research

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Speaker 1: and I was like, oh, actually, that's terrible advice.

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Speaker 4: It is because if you have assets, if you have

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Speaker 4: any sort of debt, you know what I mean. And

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Speaker 4: also too, truthfully, life insurance is a way potentially it

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Speaker 4: passed on wealth, especially in our unit.

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Speaker 2: We're going to do a whole segment on that because

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Speaker 2: people don't realize how much money you can make from it.

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Speaker 4: So like so for example, like I had three million

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Speaker 4: dollars worth of life insurance and even though my husband

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Speaker 4: passed away, so he was the beneficiary. So my my

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Speaker 4: financial advisor asked me, did I want to cancel it?

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Speaker 4: She said, or you can keep because maybe it cost

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Speaker 4: me like two thousand dollars for the year, which I

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Speaker 4: can afford. And if something happens to me, I get

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Speaker 4: to leave wealth to my sisters who are the beneficiaries.

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Speaker 4: You know what I mean.

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Speaker 3: When it canceled, it you would get nothing.

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Speaker 4: Yeah, so like for me, I would get get that.

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Speaker 4: So I mean, but some people can't sell because they're like, well,

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Speaker 4: the person who is going to receive it is not here.

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Speaker 4: But for me, it's like, well, the amount that it's

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Speaker 4: costing me is you know, it's not so astronomical that

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Speaker 4: I can't pay it. You know that to me, I

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Speaker 4: have the benefit of leaving potentially wealth to those who

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Speaker 4: come after me.

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Speaker 2: You know, they're going to have costs. They're going to

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Speaker 2: have your funeral cost. It's just a mess. And I

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Speaker 2: really want to hone in on this, the insurance and

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Speaker 2: the estate planning, because it's such a disconnect in our

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Speaker 2: community on this. We have a lot of conversations about

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Speaker 2: building generational wealth and protecting it, but it all falls apart.

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Speaker 2: And like you and I had a conversation, even when

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Speaker 2: you get this stuff in place, a state, you really

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Speaker 2: got to get ahead of a state panic and family trauma.

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Speaker 2: Everything well, because.

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Speaker 4: The people don't understand the difference between a will and

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Speaker 4: a trust. Right. A will is here are instructions for

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Speaker 4: my stuff as soon as I passed away, and up

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Speaker 4: to six months. That's what will. That's all I will

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Speaker 4: can do. A trust says years and years and years

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Speaker 4: and years into the future, like I can say, and

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Speaker 4: I have, so something happens to me, then it's like,

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Speaker 4: it goes to my four sisters. If one sister is

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Speaker 4: not here, but her kids are here, it goes to

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Speaker 4: her her kids, not her husband, her kids. Right, But

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Speaker 4: that's important, y, right it is? And then I'm like,

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Speaker 4: but if the kids are under age, they don't get

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Speaker 4: a payment unless they're going to go to school. If

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Speaker 4: they're not gonna go to school, then at age twenty

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Speaker 4: one they get one payment. Age twenty five they get

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Speaker 4: one payment, age thirty they get the final But do

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Speaker 4: you see how far into the future. Because my oldest

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Speaker 4: nephew is eight, right, you know what I mean? So

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Speaker 4: I can go reach far into the future on his behalf.

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Speaker 4: Because I'm like, I know, at twenty one you don't

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Speaker 4: have no sense. Maybe a little at twenty five, and

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Speaker 4: hopefully at thirty when the final payment comes from auntie,

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Speaker 4: you have a little sense, but a trust allows you

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Speaker 4: to reach into the future, and will says this is

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Speaker 4: what should happen immediately, and at beneficiary that trumps everything.

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Speaker 4: So if your beneficiary says your first wife something happening, nightmare, yes,

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Speaker 4: and something happens to you. Even if your will says

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Speaker 4: all my money goes to my second wife, that whatever,

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Speaker 4: that life insurance policy, the beneficiary name on that trump's everything.

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Speaker 4: It doesn't matter what your will says, you know, so

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Speaker 4: you always want to update your beneficiaries. You can. If

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Speaker 4: you're twenty one, you probably have a bank account. Many

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Speaker 4: of them have beneficiaries on there. You know, life insurance

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Speaker 4: policy at work, a personal life insurance policy, any of

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Speaker 4: your investment accounts. You want to make sure they're updated.

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Speaker 4: You have multiple children, you don't have to put just

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Speaker 4: one beneficiary. You can say I have four children, each

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Speaker 4: of them are twenty five percent beneficiaries. People don't know

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Speaker 4: you could split up.

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Speaker 3: Yeah, I split fu to yeah, my family.

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Speaker 1: I want to ask you this because it is the

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Speaker 1: holidays and we're talking about being very financial, financially responsible,

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Speaker 1: but this is also a time where people are like, Okay,

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Speaker 1: it's the holidays, We're gonna be spending a little bit

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Speaker 1: maybe above what we normally would have budgeted. We're buying gifts.

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Speaker 1: You want to make other people happy. There's all these.

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Speaker 3: Sales going on right now.

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Speaker 1: So I want to talk to you about that because

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Speaker 1: I know for a long period of time, I definitely

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Speaker 1: know for a fact myself like I am an emotional spender.

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Speaker 1: When I have certain things going on, I'm like, Uh,

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Speaker 1: it's only gonna make me feel better if I buy

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Speaker 1: myself something. And I feel like sometimes I go through

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Speaker 1: like a little withdrawal when I'm not shocking because I'm

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Speaker 1: trying to be responsible and I have a lot of

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Speaker 1: things that I need to take care of. So what

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Speaker 1: can you talk to people about with that? When it

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Speaker 1: comes to all right, I'm in this situation right now,

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Speaker 1: and it is the holidays, and it is a time

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Speaker 1: when we are going to be traveling, and maybe we

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Speaker 1: don't have it like that. What kind of advice would

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Speaker 1: you give to people?

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Speaker 4: So one like before the holidays, like really get up

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Speaker 4: and running. Set aside money in like a separate account.

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Speaker 4: So so one of the chapters in Made Whole is

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Speaker 4: a savings chapter, and I talk about separating your money

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Speaker 4: so you can see your money. You should have a

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Speaker 4: checking account, two checking accounts at your regular bank for

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Speaker 4: bills and spending, and another two savings accounts at a

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Speaker 4: separate online only bank, because that means you can't make

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Speaker 4: easy transfer. Its usually about twenty for our weight, you know,

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Speaker 4: so I would have I like to open up savings

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Speaker 4: accounts for specific goals, So I might have like a

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Speaker 4: holiday savings account, so I know as I'm pulling money

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Speaker 4: out of that account, this is the money I've set aside.

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Speaker 4: It's not gonna affect my bill money. It's not gonna

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Speaker 4: affect my day to day spending for groceries and grooming,

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Speaker 4: and it's not gonna affect my emergency savings. Like I'm

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Speaker 4: setting aside this specifically for this, like I'm renovating my

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Speaker 4: I bought a condo recently and I'm renovating it. Now,

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Speaker 4: I set that money aside, you know, so even though

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Speaker 4: I'm spending a lot of money, but I'm like, yeah,

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Speaker 4: but you still have money in the pot, so you're good.

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Speaker 3: This has nothing to do with the money that exactly.

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Speaker 4: So separating your money, especially for holidays shopping, is going

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Speaker 4: to be critical. It depends on what kind of shopper

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Speaker 4: you want. But honestly, it sounds crazy, but shopping online

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Speaker 4: can be helpful because you can make your list ahead

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Speaker 4: of time, look at your budget, and then say these

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Speaker 4: are the things I'm buying versus going into the store

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Speaker 4: and just pulling things off this show.

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Speaker 1: And you can also do a lot of comparison online

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Speaker 1: to which is really helpful. And I'm when I see

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Speaker 1: something I like, I put it in my Google and

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Speaker 1: then I put in shopping and then I see if

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Speaker 1: I can I save so much money that way. And

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Speaker 1: also like signing up for discounts, Yes, you know, sign

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Speaker 1: up to get on this email list and you get

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Speaker 1: ten percent of.

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Speaker 4: Followed them on social media, Mike, follow your favorite like

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Speaker 4: retailers on social media sometimes don't have like literally like

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Speaker 4: specific social media coupons, so I like to follow them

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Speaker 4: and say like, well what we got today, right right?

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Speaker 4: You know? And so, But honestly, when it comes no

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Speaker 4: one wants to hear the word budget. But like I

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Speaker 4: started off, I'm the budget niece, Yes you, And the

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Speaker 4: first chapter of the book, I start off with the

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Speaker 4: fundamentals of this is how you create a budget, and

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Speaker 4: you can literally have a budget created, and then automate

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Speaker 4: it so these things can happen for you. You don't

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Speaker 4: have to think about on my bills paid because you

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Speaker 4: have a separate checking account for bills. I call it

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Speaker 4: split it before you get it. Head on down to

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Speaker 4: HR and say, hey, HR, you put all my money

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Speaker 4: in this one. Pod pots are great for PAYEA and jellifrice,

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Speaker 4: it's not good for money. I want you to have

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Speaker 4: a checking account just for your spending, so that's attached

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Speaker 4: to your debit card, so that's like groceries. Hear it

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Speaker 4: on nails done, everything did, And then I want you

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Speaker 4: to have a separate checking account just for BIS bills

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Speaker 4: and ideally automate those bills so you don't have to wonder.

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Speaker 4: Thirty five percent of your credit score is on time payments,

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Speaker 4: so if you automate your bills, that's thirty five percent

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Speaker 4: of your credit score done right there, and it's automated.

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Speaker 4: And then you have your savings set aside, so when

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Speaker 4: I swipe my debit card, I know I'm not spending savings.

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Speaker 4: I'm not spending bill money. It's money set aside specifically

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Speaker 4: for this.

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Speaker 2: In that budgeting part of the book, you talk about

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Speaker 2: really understanding the money you have flowing in and the

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Speaker 2: money you have flowing out, and that sounds great, but

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Speaker 2: sounds very overwhelming to an entrepreneur, to somebody who doesn't

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Speaker 2: have steady income. All of this, Like when you hear

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Speaker 2: people talking about budgeting and saving and all of this stuff,

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Speaker 2: it's like, I don't know what I'm gonna make next month.

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Speaker 2: I don't know if I'm not going to make money

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Speaker 2: for three months.

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Speaker 3: I'm waiting for people to pay me.

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Speaker 4: Wait, you have to So literally chapter three, I think

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Speaker 4: it's called saving like a squirrel. So squirrels are super

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Speaker 4: savvy savers. Right, Squirrels understand that fall comes, spring comes.

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Speaker 4: Acorns aren't everywhere, but squirrels know that financial winter comes.

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Speaker 4: I'm like, Yo, winter comes for everybody. So what do

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Speaker 4: squirrels do? That's when they're their busiest and save the most.

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Speaker 4: So when you are in your financial abundance, if you

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Speaker 4: have a business, you know January Q one is your

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Speaker 4: great your great quarter. Know that that money is not

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Speaker 4: just for Q one, it's also for Q four.

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Speaker 2: Because a lot of times you get that money.

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Speaker 4: Yeah. Yes, finally you have to set you know, you

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Speaker 4: have to set aside. You have to set aside money.

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Speaker 4: So what I like to do I finally learned as

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Speaker 4: an entrepreneur, I call it paid the pot. So in

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Speaker 4: the beginning, I would have a speaking engagement, they would

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Speaker 4: pay me. I'm like, ah, I got money. No, no, no,

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Speaker 4: the pot shot down right. So I would put money

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Speaker 4: into the pot, you know, like so like a checking

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Speaker 4: account specifically for my business. And then I would have

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Speaker 4: the business allocate money to me monthly. No matter how much.

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Speaker 4: If I made ten thousand, I would still get two

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Speaker 4: thousand that month. If I made fifteen hundred, I can

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Speaker 4: still get two thousand, you know. So I would pay

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Speaker 4: the pot. Well, you pay the pot, the po pays

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Speaker 4: you have to, because that's what business looks like. Do

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Speaker 4: you think Jeff Bezos is like, eh, you you purchased

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Speaker 4: you know, lip gloss, and he's taking your two dollars

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Speaker 4: in his pocket like we gotta be grown. You gotta

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Speaker 4: pay the pod or else you know. The irs is like, well,

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Speaker 4: you're gonna pay this pod.

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Speaker 1: I would love to see a video of Jeff Bezos doing.

432
00:19:12,960 --> 00:19:15,560
Speaker 2: He will make one and listen.

433
00:19:15,720 --> 00:19:17,840
Speaker 1: Another thing that you talk about in this book is

434
00:19:18,000 --> 00:19:20,720
Speaker 1: enhance or expand your skills. You know, I love that

435
00:19:20,800 --> 00:19:23,120
Speaker 1: because I am mistake a class.

436
00:19:23,359 --> 00:19:27,080
Speaker 2: You know, she's just got her real estate license. Oh

437
00:19:27,119 --> 00:19:27,920
Speaker 2: I did this and not that.

438
00:19:29,040 --> 00:19:31,399
Speaker 1: But I really just started taking the classes because I've

439
00:19:31,440 --> 00:19:34,000
Speaker 1: been doing some real estate things personally and I wanted

440
00:19:34,040 --> 00:19:36,960
Speaker 1: to make sure that I understood, yeah, understood everything that

441
00:19:37,000 --> 00:19:38,480
Speaker 1: I was doing. But also because I know I can

442
00:19:38,520 --> 00:19:42,280
Speaker 1: get paid if I do some referrals, just because if

443
00:19:42,280 --> 00:19:44,240
Speaker 1: I'm if I'm like, oh, Stacey's looking for a house,

444
00:19:44,359 --> 00:19:46,560
Speaker 1: let me refer her here, I can't get paid if

445
00:19:46,560 --> 00:19:47,399
Speaker 1: I don't have my license.

446
00:19:47,400 --> 00:19:49,680
Speaker 4: But when I have my license. Now, what you're learning,

447
00:19:49,720 --> 00:19:51,960
Speaker 4: Angela is with the mistake that people are making on

448
00:19:51,960 --> 00:19:54,320
Speaker 4: social media now as they're doing all the things, you're

449
00:19:54,400 --> 00:19:57,919
Speaker 4: learning that real money is made deep versus wide. It's like,

450
00:19:57,960 --> 00:20:00,359
Speaker 4: I'm doing this thing already. How many others skills can

451
00:20:00,440 --> 00:20:03,199
Speaker 4: I collect in this arena? Like, so people come to me,

452
00:20:03,240 --> 00:20:05,040
Speaker 4: they're like, Tiffany, you speak. Yes, I have a book

453
00:20:05,080 --> 00:20:07,880
Speaker 4: and I have a podcast and all in the financial space.

454
00:20:08,160 --> 00:20:10,240
Speaker 4: So there's like ten different ways that I'm making money

455
00:20:10,560 --> 00:20:13,520
Speaker 4: in this deep pot versus I do hair, I do nails,

456
00:20:13,560 --> 00:20:16,399
Speaker 4: I do tail toes, I have financial education. It's like

457
00:20:16,400 --> 00:20:19,840
Speaker 4: the corner store, they have chickens, chains, CDs, you know,

458
00:20:20,200 --> 00:20:23,040
Speaker 4: and it's like, so learning and business just even personally

459
00:20:23,080 --> 00:20:25,920
Speaker 4: going deep with your money versus why it's going to

460
00:20:26,000 --> 00:20:27,879
Speaker 4: be really smart because you're going to be able to

461
00:20:27,920 --> 00:20:30,800
Speaker 4: make more because you become an expert in that space.

462
00:20:31,320 --> 00:20:33,600
Speaker 4: And so when brands come to me, they got to

463
00:20:33,600 --> 00:20:35,639
Speaker 4: come with the bag, you know, because they're like, no, no,

464
00:20:35,640 --> 00:20:38,040
Speaker 4: Tiffany's an expert in this space versus oh, that's the

465
00:20:38,040 --> 00:20:39,040
Speaker 4: girl that does everything.

466
00:20:39,200 --> 00:20:41,159
Speaker 1: Now, let me ask you this, since we're talking about,

467
00:20:41,640 --> 00:20:44,800
Speaker 1: you know, coming with the bag, negotiating, right, because that's

468
00:20:44,840 --> 00:20:48,440
Speaker 1: an important thing too. Sometimes we're not negotiating our salaries,

469
00:20:48,480 --> 00:20:52,119
Speaker 1: we're not negotiating raises, we're not negotiating what our rate is.

470
00:20:52,560 --> 00:20:54,280
Speaker 1: So how were you able to get good at that?

471
00:20:54,320 --> 00:20:55,680
Speaker 1: Was that a skill that you always had or was

472
00:20:55,720 --> 00:20:56,760
Speaker 1: that something you had to learn.

473
00:20:56,840 --> 00:20:58,880
Speaker 4: I had to learn and so I do this thing

474
00:20:59,280 --> 00:21:03,320
Speaker 4: called straight to Oprah. If Oprah came to us and said, hey, y'all,

475
00:21:03,400 --> 00:21:05,199
Speaker 4: if you drop two hundred and fifty thousand dollars, you

476
00:21:05,200 --> 00:21:06,919
Speaker 4: have ten hours to do so I will open up

477
00:21:06,920 --> 00:21:08,800
Speaker 4: my roller decks and introduce you to everybody I know.

478
00:21:09,119 --> 00:21:10,960
Speaker 4: We would come up with that two fifty so fast

479
00:21:11,400 --> 00:21:14,840
Speaker 4: because we know Oprah's value is so obvious that we

480
00:21:14,880 --> 00:21:17,280
Speaker 4: know we're gonna make that money back, you know, times ten.

481
00:21:17,560 --> 00:21:20,600
Speaker 4: So I realized that, like if I needed to make

482
00:21:20,640 --> 00:21:23,119
Speaker 4: my value so obvious, people came up with the money,

483
00:21:23,119 --> 00:21:25,520
Speaker 4: Like as if I was Oprah? How do I illustrate

484
00:21:25,680 --> 00:21:28,440
Speaker 4: my value in such an undeniable way that you come

485
00:21:28,520 --> 00:21:31,400
Speaker 4: see me? You know, like just this last month, my team,

486
00:21:31,840 --> 00:21:34,560
Speaker 4: we got over two hundred thousand dollars worth of contracts

487
00:21:34,560 --> 00:21:37,439
Speaker 4: that came in Q four. People are like that, you know,

488
00:21:37,520 --> 00:21:38,800
Speaker 4: this was a really bad year and it was a

489
00:21:38,880 --> 00:21:41,040
Speaker 4: rough year for us too, But the brands are coming

490
00:21:41,040 --> 00:21:44,119
Speaker 4: to me because they're like, we see Tiffany's value. Is

491
00:21:44,160 --> 00:21:46,600
Speaker 4: it via social media? How do you show up? Do

492
00:21:46,600 --> 00:21:49,200
Speaker 4: you have a strong email list? Are you connecting? Are

493
00:21:49,240 --> 00:21:52,240
Speaker 4: you converting? Like? How do you show up? So people

494
00:21:52,359 --> 00:21:54,439
Speaker 4: know the value bringing to the table and that allows

495
00:21:54,440 --> 00:21:56,200
Speaker 4: you to negotiate and then you exact.

496
00:21:56,760 --> 00:21:56,960
Speaker 1: Yeah.

497
00:21:57,000 --> 00:21:59,359
Speaker 4: So one, I always get the feelers out, like what

498
00:21:59,720 --> 00:22:00,520
Speaker 4: are the girls giving?

499
00:22:00,680 --> 00:22:00,840
Speaker 2: Right?

500
00:22:00,840 --> 00:22:02,359
Speaker 4: How much did you get? How much did you get?

501
00:22:02,440 --> 00:22:04,800
Speaker 4: And then I'm like, okay, based upon your size, the

502
00:22:04,880 --> 00:22:06,639
Speaker 4: value that I think that you bring to the table.

503
00:22:06,840 --> 00:22:09,360
Speaker 4: This is what I can ask for. And I've pushed back.

504
00:22:09,400 --> 00:22:11,520
Speaker 4: I mean, I had a brand. It was a huge

505
00:22:11,560 --> 00:22:14,160
Speaker 4: you choose multinational brand. If I if I said their name,

506
00:22:14,200 --> 00:22:16,560
Speaker 4: you'd be like, okay. We watched them movies, you know.

507
00:22:16,800 --> 00:22:18,320
Speaker 4: And they came to me and they asked me how

508
00:22:18,400 --> 00:22:20,680
Speaker 4: much for a keynote. I told them fifty thousand dollars.

509
00:22:20,680 --> 00:22:23,320
Speaker 4: They said, girl, you tried it. And then I realized

510
00:22:23,320 --> 00:22:25,520
Speaker 4: that it was the woman who was negotiating. I could

511
00:22:25,520 --> 00:22:26,879
Speaker 4: see her name was a black woman. I said, oh,

512
00:22:26,880 --> 00:22:29,440
Speaker 4: I'm Lenna. Get my black girl card out. I was like, sis,

513
00:22:30,080 --> 00:22:32,359
Speaker 4: as a black woman, like I do just as much

514
00:22:32,400 --> 00:22:34,479
Speaker 4: as everybody else that you've hired. Why am I not

515
00:22:34,520 --> 00:22:36,760
Speaker 4: able to attract that kind of money? And she's like,

516
00:22:36,760 --> 00:22:38,160
Speaker 4: well the people at the top. I said, well, push

517
00:22:38,200 --> 00:22:40,240
Speaker 4: back at the people at the top right as she did.

518
00:22:40,280 --> 00:22:42,840
Speaker 4: And I got my money and I slayed it because

519
00:22:42,840 --> 00:22:45,400
Speaker 4: that's important too. Yes you have. I slated And then

520
00:22:45,440 --> 00:22:47,119
Speaker 4: they came back and said, we were so sorry that

521
00:22:47,119 --> 00:22:51,080
Speaker 4: we even that we denied you. Because I illustrated my Oprah.

522
00:22:50,880 --> 00:22:53,200
Speaker 2: You have to really stand up for yourself. We were doing

523
00:22:53,240 --> 00:22:55,919
Speaker 2: a big campaign with the big company had agreed on

524
00:22:56,000 --> 00:23:00,119
Speaker 2: a price for content and everything, and then had shot everything.

525
00:23:00,560 --> 00:23:03,359
Speaker 2: And then the day before we were supposed to really

526
00:23:03,440 --> 00:23:06,160
Speaker 2: really go into production, I got a call saying, our

527
00:23:06,200 --> 00:23:08,840
Speaker 2: marketing agency is reevaluated and we're going to give you

528
00:23:08,920 --> 00:23:12,400
Speaker 2: half of what. I hire the crews, I hire the graphics.

529
00:23:12,440 --> 00:23:15,240
Speaker 2: I'd done everything. I didn't panic, and I called the

530
00:23:15,600 --> 00:23:17,440
Speaker 2: head of diversity at the company. That's what you do,

531
00:23:17,560 --> 00:23:19,600
Speaker 2: and I said, I think a situation has come up

532
00:23:19,640 --> 00:23:23,280
Speaker 2: that you could inform. Yes, indeed, I said, they're valuing this.

533
00:23:23,400 --> 00:23:25,800
Speaker 2: They're saying, this is this, impressions, this is that, I said,

534
00:23:25,800 --> 00:23:28,960
Speaker 2: So what they're not valuing is us. And you want

535
00:23:29,040 --> 00:23:31,560
Speaker 2: us to talk about how you're so great to people

536
00:23:31,560 --> 00:23:33,440
Speaker 2: of color, which I want to do because I believe

537
00:23:33,440 --> 00:23:35,520
Speaker 2: your company is. But you really need to take a

538
00:23:35,520 --> 00:23:39,199
Speaker 2: look at that. Done had it next day. But what

539
00:23:39,320 --> 00:23:41,760
Speaker 2: a lot of that negotiation is confidence. And I love

540
00:23:41,800 --> 00:23:45,439
Speaker 2: about the book how you address the psychological aspects. So

541
00:23:45,520 --> 00:23:47,480
Speaker 2: talk to us about that a little bit and like

542
00:23:48,040 --> 00:23:50,040
Speaker 2: really important and I love it. I love that we

543
00:23:50,119 --> 00:23:52,440
Speaker 2: do it. At the beginning, you talk about sharing your

544
00:23:52,440 --> 00:23:53,960
Speaker 2: shame is okay.

545
00:23:53,640 --> 00:23:56,640
Speaker 4: Because shame shield solutions, and so I try to help

546
00:23:56,640 --> 00:23:58,919
Speaker 4: you with their money. But if they're still beating themselves up,

547
00:23:58,960 --> 00:24:01,240
Speaker 4: it's hard for me to get for you to see

548
00:24:01,280 --> 00:24:04,000
Speaker 4: that there is something on the other side of this.

549
00:24:04,400 --> 00:24:06,919
Speaker 4: And so for me, I learned through therapy and just

550
00:24:07,040 --> 00:24:10,680
Speaker 4: through action that like, in order to get rid of shame,

551
00:24:10,720 --> 00:24:12,919
Speaker 4: you have to give voice to it. And so for me,

552
00:24:12,960 --> 00:24:14,359
Speaker 4: it was like I had to get myself a Linda,

553
00:24:14,400 --> 00:24:16,520
Speaker 4: Linda's my best friend. I had to tell her, like, yo,

554
00:24:16,800 --> 00:24:19,760
Speaker 4: I'm drowning in my personal finances. Things are not going

555
00:24:19,800 --> 00:24:22,399
Speaker 4: as well as i'd hope. And Linda was like, that's it, girl,

556
00:24:22,440 --> 00:24:24,880
Speaker 4: Please look around. We all broke and you.

557
00:24:24,880 --> 00:24:27,280
Speaker 3: Know, because perspective, you know.

558
00:24:27,440 --> 00:24:30,120
Speaker 4: And I was like, you're right. And so what it did, though,

559
00:24:30,280 --> 00:24:32,520
Speaker 4: was it opened me up to realize it's not shame

560
00:24:32,640 --> 00:24:34,359
Speaker 4: loves for you to think you're by yourself.

561
00:24:34,600 --> 00:24:35,119
Speaker 2: Oh you.

562
00:24:35,600 --> 00:24:37,320
Speaker 4: And so once I realized that there were a ton

563
00:24:37,359 --> 00:24:40,800
Speaker 4: of people also navigating that space and let me realize

564
00:24:40,840 --> 00:24:42,480
Speaker 4: that like, I wasn't a bad person. I was in

565
00:24:42,520 --> 00:24:45,040
Speaker 4: a bad spot, but I wasn't a bad person, and

566
00:24:45,080 --> 00:24:47,200
Speaker 4: I could see the solutions. And that's why I started

567
00:24:47,240 --> 00:24:49,920
Speaker 4: the Budgetistam That's why I wrote Made Whole, because I

568
00:24:49,960 --> 00:24:53,199
Speaker 4: said I didn't want anyone else to navigate without their Linda.

569
00:24:53,560 --> 00:24:55,600
Speaker 4: I wanted to be there to stand in space and

570
00:24:55,640 --> 00:24:58,640
Speaker 4: hold space for people who are like I am ashamed,

571
00:24:58,680 --> 00:25:00,800
Speaker 4: I don't know what to do. I want to tell someone,

572
00:25:00,840 --> 00:25:02,240
Speaker 4: and then I want to be able to take action.

573
00:25:02,640 --> 00:25:05,880
Speaker 4: And so if I share all the dms that I get,

574
00:25:05,920 --> 00:25:07,440
Speaker 4: like just from when this book, you know, it came

575
00:25:07,480 --> 00:25:10,320
Speaker 4: out just last week. I mean already people are like

576
00:25:10,400 --> 00:25:13,480
Speaker 4: tificany I'm crying while I'm reading this. I'm doing the work.

577
00:25:13,520 --> 00:25:15,960
Speaker 4: I can see myself on the other side. For the

578
00:25:16,000 --> 00:25:18,639
Speaker 4: first time. I'm opening up my bills. I realized that

579
00:25:18,640 --> 00:25:21,080
Speaker 4: I'm not alone because you're not. You know, You're not.

580
00:25:21,320 --> 00:25:22,520
Speaker 1: You know I used to be the queen of not

581
00:25:22,560 --> 00:25:25,200
Speaker 1: opening up my bills, but now I pay everything every

582
00:25:25,240 --> 00:25:27,399
Speaker 1: month as soon as I can. And I love the

583
00:25:27,440 --> 00:25:29,920
Speaker 1: fact that you gave specific numbers because I think people

584
00:25:29,960 --> 00:25:33,119
Speaker 1: also have an issue with that, right talking about what

585
00:25:33,240 --> 00:25:35,160
Speaker 1: you know, I don't want to talk about that. I

586
00:25:35,200 --> 00:25:37,600
Speaker 1: had did a podcast one time, and it was like

587
00:25:37,920 --> 00:25:40,400
Speaker 1: a group podcast, and so one of the first things

588
00:25:40,480 --> 00:25:43,399
Speaker 1: we did was talk about what we each were offered

589
00:25:43,440 --> 00:25:45,320
Speaker 1: to do it so that we could say we all

590
00:25:45,359 --> 00:25:48,159
Speaker 1: want to get paid the same amount of money for

591
00:25:48,240 --> 00:25:51,720
Speaker 1: this work, because sometimes people can keep that to themselves

592
00:25:51,800 --> 00:25:55,760
Speaker 1: and try to negotiate for themselves and kind of, you know,

593
00:25:55,760 --> 00:25:58,159
Speaker 1: I feel like, well, I bring, we were all equals

594
00:25:58,200 --> 00:26:01,000
Speaker 1: in this, so we should all get paid the same amount.

595
00:26:01,040 --> 00:26:03,520
Speaker 1: But sometimes people really don't want to talk about the salaries.

596
00:26:03,520 --> 00:26:05,719
Speaker 1: People lie all the time to and would say they

597
00:26:05,760 --> 00:26:08,320
Speaker 1: got more. Like I've heard that happen to. Somebody would

598
00:26:08,320 --> 00:26:10,080
Speaker 1: be like, oh, yeah, they paid me x amount of

599
00:26:10,119 --> 00:26:11,760
Speaker 1: dollars for this, and then they don't know I know

600
00:26:11,800 --> 00:26:12,520
Speaker 1: the person.

601
00:26:12,800 --> 00:26:17,520
Speaker 4: And now you look foolish and exactly. But I was like,

602
00:26:17,520 --> 00:26:19,960
Speaker 4: why did they offer me that? But also too, it's

603
00:26:20,000 --> 00:26:22,600
Speaker 4: like it's not helpful, like you know, like in this space,

604
00:26:23,000 --> 00:26:25,360
Speaker 4: like sharing what you made. Anyone who knows me knows

605
00:26:25,359 --> 00:26:28,040
Speaker 4: that I share my numbers freely, right, you know, because

606
00:26:28,040 --> 00:26:30,520
Speaker 4: I'm not ashamed of that because even in sharing, I mean,

607
00:26:30,640 --> 00:26:33,959
Speaker 4: I'm like a friend of mine, Lovey, she like a

608
00:26:33,960 --> 00:26:36,959
Speaker 4: social commentary heirs and Lovey I shared with her, like

609
00:26:37,000 --> 00:26:39,040
Speaker 4: my how much I was charging for social media. She said,

610
00:26:39,080 --> 00:26:41,399
Speaker 4: you played yourself up this up this up this up.

611
00:26:41,600 --> 00:26:43,800
Speaker 4: I didn't know, but for speaking, I was like, girl,

612
00:26:43,800 --> 00:26:46,280
Speaker 4: that's it up this, up this, up this, and so

613
00:26:46,359 --> 00:26:49,679
Speaker 4: it's in that exchange that like, yeah, that I learned

614
00:26:49,760 --> 00:26:52,159
Speaker 4: I could get paid more. And and also too in

615
00:26:52,240 --> 00:26:54,280
Speaker 4: this space when you share, people put you on. I

616
00:26:54,320 --> 00:26:56,080
Speaker 4: can't tell you how many times someone has pulled me

617
00:26:56,160 --> 00:26:57,920
Speaker 4: into a room and be like, oh, no, this is

618
00:26:57,920 --> 00:26:59,639
Speaker 4: who you need to get to speak and here's the

619
00:26:59,680 --> 00:27:02,480
Speaker 4: budget for that, Tiffany, you know, Or how many times

620
00:27:02,480 --> 00:27:05,000
Speaker 4: that I can't do a thing and don't have a

621
00:27:05,040 --> 00:27:07,199
Speaker 4: bag and I can't do it. I'm like, oh, hold on,

622
00:27:07,359 --> 00:27:10,480
Speaker 4: hold a bag. Yes, I have somebody who can collect

623
00:27:11,320 --> 00:27:13,520
Speaker 4: because I'm like, no, that we should all be sharing.

624
00:27:13,600 --> 00:27:16,720
Speaker 4: Like and so to me financial education, like I think

625
00:27:16,720 --> 00:27:18,800
Speaker 4: it's like the eighth and ninth chapter I talk about

626
00:27:19,200 --> 00:27:21,720
Speaker 4: your financial team and one of the people on your

627
00:27:21,720 --> 00:27:24,000
Speaker 4: financial team and made whole. You need to have an

628
00:27:24,000 --> 00:27:27,040
Speaker 4: accountability partner. That it is a team sport your money.

629
00:27:27,080 --> 00:27:28,880
Speaker 4: You should not be out here doing it by yourself.

630
00:27:28,880 --> 00:27:32,640
Speaker 4: It's too overwhelming, you know. So for so Beyonce has

631
00:27:32,640 --> 00:27:35,080
Speaker 4: to be hive and I have dream Catchers, and so

632
00:27:35,160 --> 00:27:37,879
Speaker 4: there are over two million dream catchers worldwide. We have

633
00:27:38,480 --> 00:27:41,119
Speaker 4: inside the book, I give you access to our free communities.

634
00:27:41,160 --> 00:27:43,359
Speaker 4: We have a number of them, some are upwards of

635
00:27:43,400 --> 00:27:46,320
Speaker 4: five hundred thousand people. So there is no financial challenge

636
00:27:46,320 --> 00:27:48,880
Speaker 4: that you can have that someone has not experienced it

637
00:27:49,359 --> 00:27:51,199
Speaker 4: solve for it is not willing to share how you

638
00:27:51,240 --> 00:27:53,919
Speaker 4: can do so too. So it's not just like to me,

639
00:27:54,080 --> 00:27:56,560
Speaker 4: it's more than money. It's a movement that I'm wanting

640
00:27:56,560 --> 00:27:58,840
Speaker 4: to create that yes, you get the book made whole,

641
00:27:59,200 --> 00:28:01,119
Speaker 4: but then you also get a chance to do the work.

642
00:28:01,480 --> 00:28:03,640
Speaker 4: I have all these tools and resources that are free

643
00:28:03,680 --> 00:28:05,560
Speaker 4: on the site, and then you can invite it to

644
00:28:05,600 --> 00:28:07,919
Speaker 4: the group so you're never by yourself. That like the

645
00:28:07,960 --> 00:28:11,679
Speaker 4: teacher in me understands that holistically you need help, you know,

646
00:28:11,720 --> 00:28:13,639
Speaker 4: somebody to hold your hand through the whole thing of it.

647
00:28:13,680 --> 00:28:15,720
Speaker 4: And absolutely, yeah, that's why I love what I do.

648
00:28:15,880 --> 00:28:18,600
Speaker 2: That's how you got started because digging yourself out and

649
00:28:18,600 --> 00:28:20,600
Speaker 2: then your friends asking you how you did it, and

650
00:28:20,640 --> 00:28:22,159
Speaker 2: then you tell them and they're like, hey, this is

651
00:28:22,240 --> 00:28:22,679
Speaker 2: catching up.

652
00:28:22,800 --> 00:28:24,200
Speaker 4: Yeah, and so here I am.

653
00:28:24,320 --> 00:28:26,480
Speaker 3: Well, I love this and I'm glad we're best friends now.

654
00:28:28,600 --> 00:28:30,280
Speaker 4: But the people can get made home, yes please.

655
00:28:30,560 --> 00:28:31,560
Speaker 3: So if you want to get.

656
00:28:31,400 --> 00:28:34,600
Speaker 4: The workbook made whole, you can go to maid Whole

657
00:28:34,800 --> 00:28:38,040
Speaker 4: Workbook dot com. That's made Whole Workbook dot com. There's

658
00:28:38,040 --> 00:28:39,360
Speaker 4: a full free toolkit.

659
00:28:39,400 --> 00:28:40,720
Speaker 2: Don't forget the W and whole.

660
00:28:41,040 --> 00:28:46,600
Speaker 4: Yes you're not that type. Yes, I mean honestly, it's

661
00:28:46,600 --> 00:28:48,720
Speaker 4: already doing really well. So I love I mean, I'm

662
00:28:48,720 --> 00:28:50,000
Speaker 4: the budgett everywhere.

663
00:28:50,120 --> 00:28:51,320
Speaker 3: We love you so much.

664
00:28:51,480 --> 00:28:53,400
Speaker 1: Like honestly, I really am happy that you're here because,

665
00:28:53,400 --> 00:28:54,880
Speaker 1: like I told you, I always looked at you. It's like,

666
00:28:54,880 --> 00:28:57,960
Speaker 1: oh my gosh, she's really amazing, like a celebrity in

667
00:28:58,000 --> 00:29:01,760
Speaker 1: my eyes, and so helpful to people, to me because

668
00:29:01,840 --> 00:29:03,840
Speaker 1: I am now about to go and get this chest going.

669
00:29:04,200 --> 00:29:07,880
Speaker 4: If you need an attorney, let me know. Okay, yes please,

670
00:29:08,160 --> 00:29:09,240
Speaker 4: I'm ready. Let's get it.

671
00:29:10,040 --> 00:29:11,600
Speaker 3: I feel energize. So thank you so much.

672
00:29:11,640 --> 00:29:13,960
Speaker 2: Thank you for happy thank you for joining Wealth Wednesdays,

673
00:29:14,000 --> 00:29:17,040
Speaker 2: and don't forget to go to maid Whole Workbook dot

674
00:29:17,040 --> 00:29:20,600
Speaker 2: com and every I just love it because you have

675
00:29:20,680 --> 00:29:23,000
Speaker 2: the kit, you got the lists and everything. You don't

676
00:29:23,040 --> 00:29:25,400
Speaker 2: have to do anything. Just fall into her community and

677
00:29:25,440 --> 00:29:26,680
Speaker 2: her loving arms.

678
00:29:26,440 --> 00:29:31,120
Speaker 3: And all right, it's welcome Wednesday.

679
00:29:31,200 --> 00:29:31,920
Speaker 4: Thank you so much