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Speaker 1: Mandra, Do you know what I need? I need to

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Speaker 1: walk in these streets in my BA swag. You know

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Speaker 1: what I'm really looking forward to? First of all, be

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Speaker 1: your own Brown Boost. What an awesome phrase. I cannot

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Speaker 1: wait to wear that on my chest like Superman. What

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Speaker 1: I'm really excited for, though, is I am a sweatshirt

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Speaker 1: and like hoodie girl. So the classic Brown Ambition logo

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Speaker 1: sweatshirt has my name all over it.

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Speaker 2: But where can I go? Where can I find it?

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Speaker 3: I was hoping you would ask Young Tiffany. Tiffany, get

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Speaker 3: your Brown Ambition swag at Brown Ambitionstore dot com. Five

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Speaker 3: years in the game, we finally have merch for you guys.

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Speaker 3: So get your Brown Ambition hoodie, your Brown Ambition crew

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Speaker 3: neck tea, get a onesie for your littles. We got

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Speaker 3: toddler teas. Oh my goodness, there's something for everyone. Be

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Speaker 3: your own Brown Boost T shirt for sure. We have

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Speaker 3: a Brown Ambition mug, which my family is most excited about.

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Speaker 3: I had to do the fifteen out size for my

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Speaker 3: big sister because she drinks coffee Like nobody's business.

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Speaker 2: Oh you know, I'm the budgetish to write any special offer.

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Speaker 3: Oh I'm also very glad you asked that question, Tiffany. Yes,

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Speaker 3: with Brown Ambition fifteen. That's promo code Brown Ambition fifteen

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Speaker 3: all one word, you can get fifteen percent off your

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Speaker 3: order at Brown ambitionstore dot com.

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Speaker 1: I can't wait to see y'all in these BA streets

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Speaker 1: repping bapam with your BA swag.

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Speaker 3: Hey, Hey we're back, We're black, We're Brown Ambition.

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Speaker 2: Hey, Pandla, how are you? Hey? Tiff doing good hanging

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Speaker 2: in there? Eight more days?

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Speaker 3: I know my math right for Wednesday. I don't know

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Speaker 3: it's Monday, right now? Do the math very now?

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Speaker 2: Six more days you're listening to this? Oh my god.

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Speaker 1: No, I am not happy with Superman because I had

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Speaker 1: my paper ballots. I ordered it ahead of time. I

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Speaker 1: had it, and he decided he was going to quote

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Speaker 1: unquote help me because I told myself I wasn't gonna

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Speaker 1: put it in the envelope and lick it and whatever

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Speaker 1: until I was really sure I did what I was

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Speaker 1: supposed to do because I didn't want to make any mistakes.

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Speaker 1: So he had not feeled out his ballad, so he

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Speaker 1: saw mine next to his and decided, I'm gonna help

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Speaker 1: Tiphany out and put her ballad inside her envelope and

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Speaker 1: lick it, and he.

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Speaker 2: Why did they try to be helpful? No, honestly I was.

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Speaker 1: I didn't know whether to laugh or scream. I was like,

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Speaker 1: why did you watch you touch my ovelop? He's like,

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Speaker 1: and then he was like he was all chill a

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Speaker 1: bat like, oh my babbabe, I thought i'd put your

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Speaker 1: own ballot and an envelope.

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Speaker 2: I didn't. It's empty, but I lickd it so it's closed.

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Speaker 3: Oh so there was nothing in it? He says, an

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Speaker 3: empty ballot?

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Speaker 1: Yes, And I said, sir, He's like, we could just

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Speaker 1: get you another one. That's how that works. That side,

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Speaker 1: that's not how So now I'm trying to see, like

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Speaker 1: what early voting looks like Jersey, if there's a place

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Speaker 1: to go, or if I'm just gonna have to go

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Speaker 1: vote on election day? Yay dot com his ballot is?

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Speaker 1: I mean, I said, why touch mine? Why not mess

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Speaker 1: up yours?

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Speaker 2: You know?

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Speaker 1: So yeah, he's like, I mean, I I'm sorry. So

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Speaker 1: I was just literally ragging him about it again this

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Speaker 1: morning because he did it like like a couple of

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Speaker 1: days ago.

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Speaker 2: But I mean, it is what it is. I mean,

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Speaker 2: I'm going to vote I have to vote.

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Speaker 1: It is not an option, but I just definitely was

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Speaker 1: like excited that I could, you know, just like drop it.

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Speaker 1: I wasn't even gonna drop it in the mailbox. I

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Speaker 1: was going to drop it in like the special voting

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Speaker 1: you know boxes. Yea to be on the super safe side.

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Speaker 1: So those dreams are shattered.

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Speaker 3: So you know, he might have just cost you hours

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Speaker 3: of your life because exactly, it took me four hours

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Speaker 3: to vote early yesterday in my county.

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Speaker 2: But you can go to iwill Vote dot com. Is

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Speaker 2: it dot com or dot org?

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Speaker 3: I think it's dot com and they have all the

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Speaker 3: information about voting early. I didn't realize this is a

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Speaker 3: new thing for New York. I'm in New York state,

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Speaker 3: you're in Jersey. But in New York they this was

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Speaker 3: like the first election I don't know about ever, but

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Speaker 3: definitely not in twenty sixteen. You couldn't vote early. It

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Speaker 3: just seems so basic, you know, giving us the option

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Speaker 3: to vote a little bit early. But everybody and their

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Speaker 3: mama went to vote this weekend, and there weren't that

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Speaker 3: many locations to vote early. And I saw the line

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Speaker 3: and I was like, may, okay, maybe two hours I

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Speaker 3: had my little book and had some podcasts lined up.

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Speaker 3: I went with all my broad ambition swag because I

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Speaker 3: was like, this is like free advertising. They're all going

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Speaker 3: to be sticking, you know how.

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Speaker 2: You have nothing to do, but people watch, like even

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Speaker 2: if they don't say anything, they're going to see our

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Speaker 2: logo anyway.

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Speaker 3: So I was rocking my BA swag and four hours

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Speaker 3: later I finally finally got to vote.

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Speaker 2: I hope it is not that long for you. I

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Speaker 2: really do, yes, I mean, how may we'll see? I

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Speaker 2: shall see, yeah, I mean I hopefully.

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Speaker 1: I mean I've been I voted there for like the

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Speaker 1: last like well two years or whatever, so it hasn't

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Speaker 1: been crazy. The last time I voted, like in the

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Speaker 1: midterm elections, it wasn't too too bad. I'm just hoping that,

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Speaker 1: you know, I'll go there super early and then you know,

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Speaker 1: it is what it is. Either way I'm doing. There's

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Speaker 1: no yep, it's no differens or bucks. And I think

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Speaker 1: I'm actually going to drag him be like, oh no,

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Speaker 1: you're standing with me. I know you would be paper

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Speaker 1: valid You're coming.

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Speaker 2: That is too funny.

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Speaker 3: I posted on Insta in Twitter about the four hour

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Speaker 3: wait and the like The most common comment I got was, oh,

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Speaker 3: the poor You know, people who are elderly, are disabled,

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Speaker 3: they have to wait that longe can't believe that, Actually

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Speaker 3: they don't at least I mean, I think this is

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Speaker 3: pretty standard for all polling locations. But if you are

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Speaker 3: disabled or you have an elderly relative, don't let them

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Speaker 3: think that they have to stand up and wait, because

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Speaker 3: I know that will dissuade a lot of elderly voters

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Speaker 3: from going. You can easily skip the line and are

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Speaker 3: pulling the location. They had a separate line for the elderly,

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Speaker 3: disabled or even immuno suppressed. So if you have you know, diabetes,

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Speaker 3: a heart condition, asthma, some kind of respiratory you know problem,

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Speaker 3: tell the poll workers that you have a condition and

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Speaker 3: skip the line. Like do it, because I was just

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Speaker 3: worried that my posting that it took four hours would potentially,

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Speaker 3: you know, convince people maybe not to go because they

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Speaker 3: don't have the time. And frankly, it's really fucked up

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Speaker 3: that it took four hours because you know what, a

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Speaker 3: lot of people don't have the time. They don't have

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Speaker 3: a spouse to watch the baby, or they have to

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Speaker 3: work or the you know, even the polling hours at

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Speaker 3: the location I went to were short. They were like

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Speaker 3: five hours, twelve to five. If you couldn't make it,

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Speaker 3: Oh well, you know, and this is the way it is,

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Speaker 3: and it sucks. These are signs of voter suppression. I

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Speaker 3: just hope that. I hope that things get better. I

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Speaker 3: just wanted to clarify that in case anyone was feeling

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Speaker 3: like they did not want to spend all that time

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Speaker 3: in line.

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Speaker 2: Oh yeah, it's worth it, Like literally, it's so worth it.

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Speaker 1: I mean, I've all, you know, elections always feel a

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Speaker 1: little bit anxious, but obviously this is more anxious than

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Speaker 1: anything any other elections.

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Speaker 2: You know, It's so crazy.

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Speaker 1: I've never seen this push for voting ever in my

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Speaker 1: I don't even know what. Twenty years or twenty something

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Speaker 1: years of being able to vote everywhere you turn, it's like.

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Speaker 2: Okay, vote those who forget to vote. Now everywhere you

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Speaker 2: I mean everywhere you go.

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Speaker 1: You can't be on Instagram, you can't be on Facebook,

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Speaker 1: you can't be on stuff, you can't tick talk, you

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Speaker 1: can't anything without it being like, so I vote it.

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Speaker 3: So that I wish I could tell Mark Zuckerberg, I

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Speaker 3: did it leave me alone?

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Speaker 2: Now it's like pop ups. Yeah, oh my god, it's

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Speaker 2: good though.

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Speaker 3: I the it's you know, it did have this Like

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Speaker 3: I was a little pissed because I got there early

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Speaker 3: and I waited four hours and it was about an out,

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Speaker 3: like three hours into my four hour wait when like

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Speaker 3: the mister's the mister softy truck pulled up, and then

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Speaker 3: the barbecue truck pulled up, and I was like, oh,

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Speaker 3: now you're gonna have a party when I'm almost done.

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Speaker 3: Like it was, it was pretty funny. People started playing music.

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Speaker 3: It felt like it really. I mean, I'm a little

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Speaker 3: uncomfortable talking to people at the polls because I don't I.

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Speaker 2: Just don't want to.

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Speaker 3: I take it seriously that you're not supposed to influence

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Speaker 3: or try to influence anyone before you go vote. It

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Speaker 3: just to me, it's like a sacred process. I don't

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Speaker 3: want and but people work pretty loudly, like and I

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Speaker 3: come from a progressive county, so people were pretty you know,

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Speaker 3: bashing Trump blatantly in the line anyway, but it felt

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Speaker 3: very like festive and that was nice. It's nice to

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Speaker 3: see that people are doing it genuinely because they're excited

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Speaker 3: to exercise their right to vote. Yes, it's the It's

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Speaker 3: the biggest thing you can do.

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Speaker 2: It is the biggest thing you can do right now.

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Speaker 2: I mean, and just at the end of the day,

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Speaker 2: you know, oh what.

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Speaker 3: I just realized the next time we're well, no, we're

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Speaker 3: going to record before election day? Okay, how are we

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Speaker 3: going to do that. We're gonna We're going to be

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Speaker 3: recording in a different world than I know the Wednesday after. Okay,

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Speaker 3: we'll figure it out on Monday.

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Speaker 2: My heart just felt like, am I gonna talk to

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Speaker 2: you before what?

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Speaker 3: I know?

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Speaker 2: I know it is going to be like.

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Speaker 3: Listen, I need some serious I had to call my

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Speaker 3: my my shrink do they call them shrinks whatever, call

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Speaker 3: my therapist, and I was like, the stress dreams are returned.

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Speaker 3: Learning my anxiety is like it's creeping back up there

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Speaker 3: all because of this damn election.

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Speaker 2: It's just the anticipation. Yeah, yeah, I've just been so.

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Speaker 1: Busy and it's just been like definitely stuff on the

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Speaker 1: Budgetissa's front has definitely like ticked up. So it's just

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Speaker 1: been like overwhelming, overwhelming, over I actually had I was like,

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Speaker 1: is this a panic attack? And I actually called my

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Speaker 1: friend a Vida and I saw her. She had posted

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Speaker 1: on her Instagram. They're like, Oh, I'm in the most

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Speaker 1: beautiful place in the world, Vita, and she's opened about it,

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Speaker 1: so I can share a Vita is the founder of

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Speaker 1: No Madness, which is a black travel movement, and she's

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Speaker 1: amazing and so, but she's opened about her therapy and

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Speaker 1: then her bouts with anxiety. And I saw that she

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Speaker 1: was in Bermuda scouting out locations for their next conference

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Speaker 1: in like a year or so, and she was sharing

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Speaker 1: that how even though she's in this beautiful place, that

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Speaker 1: she had in an anxiety attack. So it made me

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Speaker 1: reach out to her and I was like, I think

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Speaker 1: that's what. I don't know if it was an anxiety attack

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Speaker 1: or I was just feeling anxious. I felt so overwhelmed

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Speaker 1: and then like really teary. I just kept like bursting

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Speaker 1: into tears, and I'm like.

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Speaker 2: What's going on to me? Because it was, I mean,

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Speaker 2: nothing bad.

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Speaker 1: I mean aside from you know, the world was on fire,

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Speaker 1: but I'm talking about as far as internally it was happening.

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Speaker 1: Like it's not like anyone is sick. If anything, I've

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Speaker 1: actually felt you know what it felt like. I felt

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Speaker 1: like I told somebody that I really like kittens, and

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Speaker 1: then they gave me thirty in that case, yes, like

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Speaker 1: you know, it just felt so over like it's a

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Speaker 1: good thing, but I don't I don't know that I

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Speaker 1: can manage all these good things.

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Speaker 2: It's just too much. It's and I don't want to

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Speaker 2: even say too much.

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Speaker 1: And then if I'm not being grateful, I just so

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Speaker 1: I just it was like every ten minutes, I feel

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Speaker 1: like I was bursting into tears.

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Speaker 2: I'm like, it's pretty I think this is anxiety.

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Speaker 1: I called the beat it and she said, well, how

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Speaker 1: do you know if you're I told her, I think

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Speaker 1: I'm having an anxiety attack, and she's like, well, what

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Speaker 1: makes you think that, I said, because I'm crying right now.

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Speaker 2: I'm crying right now. What we're talking. It's just like, oh, okay,

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Speaker 2: so yeah, I mean so, And I realized it was

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Speaker 2: just me.

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Speaker 1: It was not just but it was definitely feeling overwhelmed

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Speaker 1: because as I started to take things off my plate,

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Speaker 1: like there are some things that were upcoming that would

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Speaker 1: do so as I started to complete those things, I

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Speaker 1: felt like with each thing done, I felt better. And

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Speaker 1: it's just like a reminder to me to like take

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Speaker 1: a moment or to learn the stagger thing, because like

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Speaker 1: I said, it was good things, but it was just

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Speaker 1: so many things that I couldn't even I mean there's

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Speaker 1: only like I love chocolate cookies, but there's only so

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Speaker 1: much you can eat before you make yourself sick. And

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Speaker 1: I felt like, Okay, I'm on cookie number five and

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Speaker 1: I think I'm feeling ill. And so yeah, so I

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Speaker 1: don't know, do you You've shared you've gotten anxiety attacks before, right.

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Speaker 3: Oh, I mean I've always been I've coped with anxiety

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Speaker 3: in my whole life. Like I remember being a little

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Speaker 3: kid and not being able to sleep, and as an adult,

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Speaker 3: I can recognize, oh, I was a super anxious child.

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Speaker 3: I was always like if my mom and I had

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Speaker 3: a fight and she went to the grocery store, I'd

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Speaker 3: be like, oh, she may never come back, and I

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Speaker 3: would just, you know, stay up all night waiting. Anyway,

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Speaker 3: as an adult, I've coped with it pretty well. But

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Speaker 3: when I had my baby, oh yeah, it was really

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Speaker 3: really difficult.

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Speaker 2: So I think I've been transparent too.

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Speaker 3: I had already been in therapy before I had the baby,

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Speaker 3: because I kind of felt like I might need to

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Speaker 3: get myself situated and I'm so grateful that I did.

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Speaker 3: And then even therapy wasn't enough, and then around I

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Speaker 3: don't know, early in the year, I started taking an

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Speaker 3: anti anxiety medication that's been very helpful to me. But

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Speaker 3: even that, like lately, you know, it's not a silver bullet.

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Speaker 3: And I continue to go to therapy weekly, and I

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Speaker 3: also have a psychiatrist that I check in with about monthly.

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Speaker 3: And she was the one I had talked to last

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Speaker 3: week because I was like, listen, I'm not sleeping anymore.

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Speaker 3: I'm having the same nightmares. I'm waking up sweating, you know,

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Speaker 3: I feel like I feel like I'm going back the

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Speaker 3: wrong way. And her first question was, you know, how

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Speaker 3: much time do you take for self care? And I said, well,

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Speaker 3: you know, I do things for myself. I'll go to

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Speaker 3: the grocery store or ride the peloton. And she's like, so,

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Speaker 3: but what about like for you, you know, where's your quiet time,

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Speaker 3: where's your time for yourself? And I say, and I

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Speaker 3: don't know. I've felt a little defensive because I want

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Speaker 3: to have figured it out, Like I want to be

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Speaker 3: the person who, eight nine months into quarantine has like

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Speaker 3: figured out the balance, but I just haven't you know,

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Speaker 3: I just there isn't time for myself. The little time

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Speaker 3: that I do have, I try to squeeze in some

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Speaker 3: thing so I can feel productive.

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Speaker 2: Anyway.

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Speaker 3: All that is to say, I'm still on my journey

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Speaker 3: with anxiety. And while she did, we didn't change my

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Speaker 3: anti anxiety medication. But I am going to start going

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Speaker 3: back on this little, uh, just a small dose of

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Speaker 3: something to help me sleep at night while I need

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Speaker 3: it because I can't function when I don't sleep, Like

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Speaker 3: it's bad for everybody. But I also recently, in the

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Speaker 3: past two weeks, have started to do a sleep meditation

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Speaker 3: at night.

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Speaker 2: I have an app. It's actually for me too, me

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Speaker 2: too as calm. Do you do Calm?

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Speaker 3: I don't do Calm because I I realize Peloton offers

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Speaker 3: all these different meditations, so and I already pay for it.

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Speaker 3: So although calm is not that expensive, what is it? Like?

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Speaker 3: I almost got calm early in the in the pandemic.

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Speaker 3: It was like what sixty bucks, yeah or something like that,

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Speaker 3: which was like a story time at night. I know,

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Speaker 3: I did like a trial and I think Matthew McConaughey

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Speaker 3: read me a story and I was like, I can't

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Speaker 3: sleep to this shit, but okay, but the peloton app

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Speaker 3: or any meditation, I was shocked that it.

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Speaker 2: I was like, what spell has she this woman put

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Speaker 2: on me? Because I would just drop off to sleep

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Speaker 2: within fifteen minutes. It doesn't stop me from like waking

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Speaker 2: up with the like sweats and stuff, but it helps

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Speaker 2: me get to sleep. So meditation kind of sort of

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Speaker 2: is working.

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Speaker 3: But listen, I don't have any particular answers, but I

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Speaker 3: do completely know exactly what that feels like. And I'm

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Speaker 3: sorry that you're going through that. I really am.

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Speaker 1: Yeah, I feel much much, much, much much better now

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Speaker 1: because a lot of the thing that were so overwhelming

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Speaker 1: I've done. I've checked it off the list, but I'm

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Speaker 1: just like, I don't want to go back there, so

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Speaker 1: do I make sure I don't like? And it's hard

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Speaker 1: because it's like, honestly, it's nothing. It'd be one thing

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Speaker 1: if it was like, oh gosh, I have to do

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Speaker 1: this thing I hate. It's like, oh my gosh, that's

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Speaker 1: an amazing opportunity. Oh my god, that's another man hold on.

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Speaker 1: And then it's like what am I gonna sleep? What

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Speaker 1: am I gonna hang out with?

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Speaker 2: Jarel?

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Speaker 1: So it's more so bad I like it until like

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Speaker 1: when me and Jerrell first got like when we actually

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Speaker 1: were like standing up to get married. I remember I

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Speaker 1: thought I was going to throw up. I wanted to

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Speaker 1: like run away because I was. You know, the feeling

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Speaker 1: I felt, and I feel kind of now, is that

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Speaker 1: there is a huge transition happening, and I'm kind of

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Speaker 1: afraid of it, even though I know it's a good thing.

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Speaker 1: Like I knew I wanted to marry you, I said, dull,

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Speaker 1: but whatever you I'll be nosy anyway, Superman, I knew.

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Speaker 2: I wanted to marry Superman, and I did.

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Speaker 1: I mean, we've been dating for a number of years,

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Speaker 1: but I also knew, okay, we're getting married. We're stepping

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Speaker 1: from one place to the next. It's like the difference

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Speaker 1: between going from sixth grade to seventh grade, So what

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Speaker 1: still in middle school, but you go from eighth grade

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Speaker 1: to ninth grade still a year, but now you're in

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Speaker 1: high school. And that's what I've been feeling, like that

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Speaker 1: the things that are happening are a clear signal that

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Speaker 1: I am no longer where I was before, where it

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Speaker 1: was so comfy, And so I know that it's a

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Speaker 1: good thing because it means that I'm taking what we're

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Speaker 1: doing to the next level. But it's also a new place,

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Speaker 1: so I'm a little nervous because I'm like, well, I've

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Speaker 1: never been here before.

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Speaker 2: I just gotten really comfortable where we were before. So

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Speaker 2: it's more so that.

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Speaker 3: Yeah, but I mean, I don't know, I'm saying, you're

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Speaker 3: We haven't talked about your coach in a while.

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Speaker 2: Oh, yes, I decided to bring him on for a year.

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Speaker 2: M M okay, what do they have to say about it?

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Speaker 2: I forget if it's a hero he he I didn't

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Speaker 2: even because so we we it's been like a month

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Speaker 2: and a half, so we're actually like working out like

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Speaker 2: the contract. So but I'm bringing him on for a year.

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Speaker 2: We haven't had this.

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Speaker 1: We talked about it a little bit, and he definitely

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Speaker 1: tells me that like I hold back too much like

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Speaker 1: so many women, and that like I need to like

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Speaker 1: step into my dopeness. He's like, it's okay, tifany to

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Speaker 1: say you're this shit. Sometimes I'm like, ah, don't say that.

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Speaker 1: I'm nice, Like it's kind.

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Speaker 2: So that's part is really hard.

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Speaker 1: But so that's those were conversations we used to have earlier,

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Speaker 1: so we have not so it was a three month contract,

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Speaker 1: but it was it went so well, I said, let's

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Speaker 1: do it for a year. But like, there's there's components

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Speaker 1: to work out. So although we've had kind of like

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Speaker 1: light conversations, we're waiting to like sign before we start

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Speaker 1: back up again. What I like, it's not just me

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Speaker 1: coaching with him, it's also him his team also integrates

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Speaker 1: into my team, just like before.

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Speaker 2: So I'm excited about what that looks like.

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Speaker 1: But yeah, so, like I said, it's just it's just

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Speaker 1: I'm I was a kid in school that sometimes got

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Speaker 1: bees on purpose because a's brought too much attention, oh

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Speaker 1: you know what I mean. And not attention meaning like

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Speaker 1: from the teacher, but too much I won't, you know,

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Speaker 1: the wrong way.

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Speaker 2: Attention. Expectation, Yeah, expectation, yes.

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Speaker 1: Because I remember when I got straight a's for the

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Speaker 1: first time. My dad was like, hey, so you can

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Speaker 1: get it. I don't want anything else, And I was like,

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Speaker 1: oh the pressure.

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Speaker 2: I feel like the stakes are high. You're afraid to

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Speaker 2: fail to fail.

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Speaker 1: But yes, and also too, like what if it don't

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Speaker 1: really work out like people are expecting.

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Speaker 2: I kind of like being like underdog Tiffany, I'm.

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Speaker 1: Just you know, I'm doing at scrappy Tiffany, you know,

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Speaker 1: but then now it's like, oh, your mainstream Tiffany, Well,

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Speaker 1: of course you're going to do that.

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Speaker 2: That's it. So I don't know.

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Speaker 1: I just think that I'm just struggling with the transition

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Speaker 1: because it's the end of the beginning and it's the

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Speaker 1: beginning of the middle. And it's very clear that that's

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Speaker 1: what's happening with the things that are happening, like like,

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Speaker 1: you're no longer and I'm not. I mean, we're ten

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Speaker 1: years old, so we're not like, I guess, a startup

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Speaker 1: as far as, like you know, years in, but it's

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Speaker 1: more so it's a we have a officially elevated to

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Speaker 1: the next level. And remember I told you before that

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Speaker 1: I don't know if you remember, but I told you

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Speaker 1: maybe like like a couple of years ago, a year

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Speaker 1: or so ago, I said that I want to write

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Speaker 1: a business book called like do Good. But I was like,

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Speaker 1: I'm not gonna write business book until I make a

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Speaker 1: list eight figures, like that's crazy.

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Speaker 2: I want to make a list ten million dollars.

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Speaker 1: And I was like a year ago, we're there now,

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Speaker 1: and I'm like, okay, and that's just with one business,

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Speaker 1: and so.

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Speaker 2: It just it. You know, there are people who work

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Speaker 2: for me. This is all they do. Many people who

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Speaker 2: work for me, this is all they do.

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Speaker 1: So there's that too of like making sure, like, you know,

434
00:19:35,000 --> 00:19:37,000
Speaker 1: we've never been late with payroll, and we're not going

435
00:19:37,000 --> 00:19:39,960
Speaker 1: to be, you know. I mean, I I'm I have

436
00:19:40,040 --> 00:19:42,040
Speaker 1: six months worth of savings in one company and then

437
00:19:42,080 --> 00:19:43,800
Speaker 1: like three and a half four months worth of savings

438
00:19:43,800 --> 00:19:46,200
Speaker 1: in another, and similar in another.

439
00:19:46,680 --> 00:19:49,000
Speaker 2: So I'm always really mindful of things like that. But

440
00:19:49,160 --> 00:19:52,639
Speaker 2: it's just I used to be a pre school teacher,

441
00:19:53,119 --> 00:19:55,400
Speaker 2: you know, and so sometimes I'm just like.

442
00:19:55,560 --> 00:20:01,040
Speaker 1: Ah, I'm still figuring it out, and so yeah. So

443
00:20:01,080 --> 00:20:04,080
Speaker 1: but I also have learned. One thing I've learned through

444
00:20:04,080 --> 00:20:07,879
Speaker 1: all this is to lean into help around me. So

445
00:20:07,880 --> 00:20:10,320
Speaker 1: I've gotten much better at that. So yeah, I think

446
00:20:10,320 --> 00:20:12,200
Speaker 1: people think that because you've reached a certain level, you

447
00:20:12,280 --> 00:20:14,600
Speaker 1: figured it out. I don't know anything. Every every day

448
00:20:14,680 --> 00:20:16,720
Speaker 1: I'm like, I think, so let's try it. Everybody on

449
00:20:16,760 --> 00:20:19,000
Speaker 1: my team knows that I'm gonna let's try it and

450
00:20:19,040 --> 00:20:20,600
Speaker 1: see what's the worst that can happen. As long as

451
00:20:20,600 --> 00:20:24,000
Speaker 1: nobody dies, that's my only rule. As long as you know,

452
00:20:24,000 --> 00:20:25,680
Speaker 1: should we switch the colors of the block. I'm like,

453
00:20:25,680 --> 00:20:27,480
Speaker 1: will anybody die? They're like tiffing down.

454
00:20:27,480 --> 00:20:29,719
Speaker 2: I'm like, well, girl, switch the Collins. What the hell cares?

455
00:20:29,800 --> 00:20:31,480
Speaker 2: I don't care, but we can always switch it back,

456
00:20:32,119 --> 00:20:32,320
Speaker 2: you know.

457
00:20:32,440 --> 00:20:36,520
Speaker 1: So yeah, I guess it's just it's it's growing pains,

458
00:20:36,680 --> 00:20:38,439
Speaker 1: and you know, because of good. Like I said, good

459
00:20:38,440 --> 00:20:41,600
Speaker 1: things are happening, But it's just it's a it's a

460
00:20:41,680 --> 00:20:45,720
Speaker 1: space that I dreamt of before you ever dream of something.

461
00:20:46,080 --> 00:20:47,800
Speaker 1: It's like you wanted that Nintendo, but you don't think

462
00:20:47,800 --> 00:20:49,439
Speaker 1: your mom's really gonna get you a Nintendo, and then

463
00:20:49,480 --> 00:20:53,120
Speaker 1: you get it and you're like, wait, what, I'm actually

464
00:20:53,160 --> 00:20:53,920
Speaker 1: getting a Nintendo.

465
00:20:54,680 --> 00:20:57,040
Speaker 2: It's real life. And so that's the space of men.

466
00:20:57,119 --> 00:20:59,960
Speaker 1: Like I said, it really grateful, you know, but also

467
00:21:00,200 --> 00:21:03,560
Speaker 1: sometimes like you know, overwhelmed because I also know that

468
00:21:03,560 --> 00:21:06,879
Speaker 1: there's more to come, and then there's more expectations that

469
00:21:06,920 --> 00:21:07,679
Speaker 1: come along with that.

470
00:21:08,119 --> 00:21:12,320
Speaker 3: Well, I part of me feels like, you it's time

471
00:21:12,400 --> 00:21:16,040
Speaker 3: to get like a mental hype person, someone who can

472
00:21:16,080 --> 00:21:19,359
Speaker 3: help you deal as these opportunities come your way. And

473
00:21:19,400 --> 00:21:21,480
Speaker 3: I guess I also feel like, you know, whether that's

474
00:21:21,480 --> 00:21:23,679
Speaker 3: a therapist or like to you know, maybe it's this

475
00:21:23,760 --> 00:21:26,080
Speaker 3: business coach that you have, But I'm like someone I like,

476
00:21:26,160 --> 00:21:29,880
Speaker 3: I know there are incredibly like who coaches Serena Williams,

477
00:21:29,920 --> 00:21:31,600
Speaker 3: like who helps her when she's feel because I know

478
00:21:31,640 --> 00:21:33,840
Speaker 3: she feels probably doubts herself, Like who is that? You know?

479
00:21:33,960 --> 00:21:37,080
Speaker 3: I feel like people, even at the highest levels, must

480
00:21:37,080 --> 00:21:38,240
Speaker 3: have some help.

481
00:21:38,320 --> 00:21:39,400
Speaker 2: But I also feel like.

482
00:21:39,720 --> 00:21:43,480
Speaker 3: Your willingness to to your willingness to say I don't know,

483
00:21:43,960 --> 00:21:46,320
Speaker 3: but I'll try it is also the reason you've been

484
00:21:46,359 --> 00:21:49,280
Speaker 3: successful and will continue to be successful. And part of

485
00:21:49,280 --> 00:21:51,680
Speaker 3: me is just like, and you're kind of I can

486
00:21:51,720 --> 00:21:54,240
Speaker 3: hear you listing out the facts, the reasons, the logic

487
00:21:54,320 --> 00:21:57,439
Speaker 3: of why you know you're doing well, And I just

488
00:21:57,480 --> 00:22:00,000
Speaker 3: feel like, whenever you're having those doubts, just hit your

489
00:22:00,040 --> 00:22:03,680
Speaker 3: self with the logic. Like literally, ten years of work

490
00:22:03,880 --> 00:22:06,800
Speaker 3: has shown that you are more than capable and you've earned,

491
00:22:06,960 --> 00:22:08,920
Speaker 3: you know, the spot that you're in today. You've done

492
00:22:08,960 --> 00:22:10,280
Speaker 3: more to get to where you are today than a

493
00:22:10,320 --> 00:22:12,320
Speaker 3: lot of people have who have reached your level and beyond.

494
00:22:12,359 --> 00:22:14,639
Speaker 3: You know, like you have put in the ward, the blood,

495
00:22:14,640 --> 00:22:16,520
Speaker 3: sweat and tears. We've got five years of evidence in

496
00:22:16,560 --> 00:22:19,600
Speaker 3: this podcast, right, five years, two hundred and forty episodes

497
00:22:20,880 --> 00:22:24,960
Speaker 3: to chronicle that journey. And but what you're going through,

498
00:22:24,960 --> 00:22:27,240
Speaker 3: I think is so human and so real. But I

499
00:22:27,240 --> 00:22:30,639
Speaker 3: also feel like people need you. You've got to like

500
00:22:30,960 --> 00:22:32,919
Speaker 3: the hero in the movie is scared shitless, but they

501
00:22:32,920 --> 00:22:34,320
Speaker 3: still got to beat the bad guy. And I kind

502
00:22:34,320 --> 00:22:36,439
Speaker 3: of feel like we need the hero, like the people

503
00:22:36,480 --> 00:22:38,679
Speaker 3: need like millions of people need to know you, and

504
00:22:38,720 --> 00:22:42,000
Speaker 3: they will and you will read you will like you'll, you'll,

505
00:22:42,320 --> 00:22:44,359
Speaker 3: you will meet the moment where it's at. It's freaking

506
00:22:44,720 --> 00:22:47,280
Speaker 3: it sounds like scary and all that, and it will be.

507
00:22:47,440 --> 00:22:50,119
Speaker 3: But people are waiting on you. They need you, like

508
00:22:50,760 --> 00:22:55,960
Speaker 3: America needs you. No pressure, no presh. But yeah, so

509
00:22:56,080 --> 00:22:58,840
Speaker 3: let's while while you're talking about your success, I mean,

510
00:22:59,280 --> 00:23:00,000
Speaker 3: was this going to be your.

511
00:23:00,040 --> 00:23:03,760
Speaker 2: Boost or can we talk about it now? Your GMA segment, Oh,

512
00:23:03,880 --> 00:23:04,840
Speaker 2: that was gonna be my boost.

513
00:23:05,280 --> 00:23:07,280
Speaker 3: Okay, we can save that, we can save it, we

514
00:23:07,320 --> 00:23:10,399
Speaker 3: can save it. Let's save that a little, uh for

515
00:23:10,760 --> 00:23:13,240
Speaker 3: your boost you guys later on, stay tuned, and Tiffany

516
00:23:13,240 --> 00:23:15,320
Speaker 3: will give us all the behind the scenes on her

517
00:23:16,000 --> 00:23:16,840
Speaker 3: GMA debut.

518
00:23:19,320 --> 00:23:21,439
Speaker 1: Yes, but all in all, though I don't know if

519
00:23:21,440 --> 00:23:25,159
Speaker 1: you were listening to I was like, uh, listening to

520
00:23:25,280 --> 00:23:29,120
Speaker 1: like a video that Jeffrey from Minority Mindset on YouTube

521
00:23:29,400 --> 00:23:33,680
Speaker 1: put out, and just like, how there's just this real

522
00:23:34,440 --> 00:23:36,920
Speaker 1: It's weird because it doesn't feel like we're in a recession,

523
00:23:37,000 --> 00:23:42,639
Speaker 1: but that so many people in financial high places, if

524
00:23:42,640 --> 00:23:46,119
Speaker 1: you will, are just like, although it doesn't feel bad,

525
00:23:46,760 --> 00:23:50,600
Speaker 1: that it is bad and we won't feel the effects

526
00:23:50,640 --> 00:23:52,080
Speaker 1: until later. What do you think about that?

527
00:23:52,160 --> 00:23:56,760
Speaker 3: I just real gears, which was all the gears, Yes,

528
00:23:57,000 --> 00:23:59,399
Speaker 3: economy got it.

529
00:23:59,600 --> 00:24:00,680
Speaker 2: I'm just I think that's free.

530
00:24:00,720 --> 00:24:02,639
Speaker 1: I was just like, you know what, I've been feeling

531
00:24:02,640 --> 00:24:05,000
Speaker 1: like that, honestly since the very beginning. I have people

532
00:24:05,000 --> 00:24:07,480
Speaker 1: are kind of like walking around willy nilly, and I'm like,

533
00:24:09,320 --> 00:24:12,600
Speaker 1: I I think I was telling my sister today, I'm like,

534
00:24:12,640 --> 00:24:14,879
Speaker 1: don't get too crazy, miss I just went for a

535
00:24:14,880 --> 00:24:17,080
Speaker 1: SPA treatment and this and that, like make sure you

536
00:24:17,119 --> 00:24:20,639
Speaker 1: have your savingsquirrel, I don't. I mean, yes, you know,

537
00:24:20,840 --> 00:24:23,800
Speaker 1: maybe maybe everything will be fine, but you don't throw

538
00:24:23,800 --> 00:24:26,320
Speaker 1: a stone in the water and there not be a ripple.

539
00:24:26,400 --> 00:24:29,280
Speaker 1: And we haven't seen the ripple, which really means it's coming.

540
00:24:30,400 --> 00:24:32,160
Speaker 2: I mean, I feel like we put a nuclear bomb

541
00:24:32,200 --> 00:24:34,280
Speaker 2: in the water and that's the coronavirus pandemic.

542
00:24:35,440 --> 00:24:41,119
Speaker 3: Yeah, I've every every good thing financially that's happened in

543
00:24:41,160 --> 00:24:44,280
Speaker 3: career wise, this year has been a real blessing from

544
00:24:44,280 --> 00:24:46,960
Speaker 3: my perspective. But at the on the on the other side,

545
00:24:47,359 --> 00:24:49,920
Speaker 3: I do feel very much like the squirrel squirreling away

546
00:24:50,000 --> 00:24:52,240
Speaker 3: nuts or the grasshopper, No, the grasshopper was the one

547
00:24:52,280 --> 00:24:55,640
Speaker 3: who didn't who's sing all summer anyway, whatever, I do

548
00:24:55,680 --> 00:24:58,479
Speaker 3: feel like I'm in a protection kind of phase. Like

549
00:24:58,880 --> 00:25:02,520
Speaker 3: and even today stock market went down a couple percentage points,

550
00:25:02,520 --> 00:25:05,520
Speaker 3: which sounds small, but it is the biggest decline in

551
00:25:05,760 --> 00:25:10,040
Speaker 3: a few months now and for me, I and at

552
00:25:10,040 --> 00:25:12,560
Speaker 3: the beginning of the pandemic, I definitely like, you know,

553
00:25:12,600 --> 00:25:15,440
Speaker 3: we were focused. We were lucky that we had replenished

554
00:25:15,440 --> 00:25:18,040
Speaker 3: our savings account to where it was after the you know,

555
00:25:18,080 --> 00:25:20,639
Speaker 3: after our home renovation and all of that. But I

556
00:25:20,760 --> 00:25:23,320
Speaker 3: feel very much like, take your wins while you get them,

557
00:25:23,560 --> 00:25:26,000
Speaker 3: prepare for the worst, hope for the best. In terms

558
00:25:26,080 --> 00:25:29,120
Speaker 3: of my investing strategy, I haven't changed too much. I mean,

559
00:25:29,119 --> 00:25:33,119
Speaker 3: my investing strategy is very much continue putting in a

560
00:25:33,119 --> 00:25:36,000
Speaker 3: consistent amount of money into the market with every paycheck.

561
00:25:36,440 --> 00:25:38,840
Speaker 3: Any extra money I get put a percentage of that

562
00:25:39,080 --> 00:25:42,680
Speaker 3: into my brokerage account and then let it go. You know,

563
00:25:42,720 --> 00:25:46,199
Speaker 3: I've got a really good, diverse portfolio made up of

564
00:25:46,240 --> 00:25:49,119
Speaker 3: index funds largely. Yes, I've talked about my little brokerage

565
00:25:49,119 --> 00:25:52,679
Speaker 3: account on the side, which we are invested in some

566
00:25:52,760 --> 00:25:55,800
Speaker 3: individual stocks and ETFs and things like that, which is fine,

567
00:25:55,880 --> 00:25:59,879
Speaker 3: But the bulk of my investments I feel. I don't mean,

568
00:26:00,000 --> 00:26:01,840
Speaker 3: I'm not going to say confident, but my strategy is

569
00:26:01,840 --> 00:26:05,000
Speaker 3: when I'm confident, and I think times like this are

570
00:26:05,040 --> 00:26:07,280
Speaker 3: when you've just got to stick to your plan. And

571
00:26:08,200 --> 00:26:10,040
Speaker 3: part of my plan is that I have a cash

572
00:26:10,080 --> 00:26:14,560
Speaker 3: cushion for sure six months and you know, if people

573
00:26:14,600 --> 00:26:17,119
Speaker 3: feel like now the time to take on big risks, okay,

574
00:26:17,280 --> 00:26:21,800
Speaker 3: but no, we definitely haven't. We definitely haven't. I don't

575
00:26:21,840 --> 00:26:24,119
Speaker 3: think gotten through. There's still no vaccine. I mean that's

576
00:26:24,119 --> 00:26:26,359
Speaker 3: why the market was down today. Not only is there

577
00:26:26,400 --> 00:26:29,680
Speaker 3: no vaccine, but there's also probably not going to be

578
00:26:29,720 --> 00:26:32,359
Speaker 3: a stimulus package, maybe even not before the year is over.

579
00:26:32,440 --> 00:26:35,400
Speaker 3: Because our our elected officials are a hot day MS.

580
00:26:35,520 --> 00:26:38,359
Speaker 3: They can't agree on anything. The election is a week away.

581
00:26:38,480 --> 00:26:40,320
Speaker 3: You know, we don't know how that what that out

582
00:26:40,359 --> 00:26:42,120
Speaker 3: comes going to be good orbit or not. I won't

583
00:26:42,160 --> 00:26:44,639
Speaker 3: say good or bad, but uh, you know, Trump or Biden.

584
00:26:46,480 --> 00:26:47,520
Speaker 2: I can't. I can't.

585
00:26:48,119 --> 00:26:51,720
Speaker 3: There is so much uncertainty. I yeah, I kind of

586
00:26:51,840 --> 00:26:54,159
Speaker 3: envy people who can walk through the world like la

587
00:26:54,200 --> 00:26:59,800
Speaker 3: la la lads, toddlers and like really rich white guys

588
00:27:00,040 --> 00:27:03,520
Speaker 3: because everything's great, everything's fine.

589
00:27:03,880 --> 00:27:04,359
Speaker 2: I think a lot.

590
00:27:04,440 --> 00:27:06,240
Speaker 3: There's a lot to be grateful for. And I think

591
00:27:06,640 --> 00:27:10,159
Speaker 3: one of the things that requires, you know, no therapy,

592
00:27:10,240 --> 00:27:13,159
Speaker 3: no medication in terms of battling anxiety is to focus

593
00:27:13,200 --> 00:27:15,520
Speaker 3: on things you're grateful for and happy about and focus

594
00:27:15,560 --> 00:27:18,159
Speaker 3: on positive things. And I some days I'm better at

595
00:27:18,160 --> 00:27:20,840
Speaker 3: that than most, but I just try to stay positive

596
00:27:21,040 --> 00:27:22,520
Speaker 3: and stick to the plan.

597
00:27:22,960 --> 00:27:25,200
Speaker 1: Yeah, and that's all we can't do, but I definitely

598
00:27:25,240 --> 00:27:28,960
Speaker 1: want people to. It's almost like with the pandemic and

599
00:27:28,960 --> 00:27:31,240
Speaker 1: everybody's kind of like outside chilling. It's like sis, really

600
00:27:31,280 --> 00:27:33,439
Speaker 1: put your mask on. But the same thing as it

601
00:27:33,440 --> 00:27:36,879
Speaker 1: relates to your finance is like put your financial mask on,

602
00:27:37,119 --> 00:27:40,800
Speaker 1: which to me is make sure that you are saving,

603
00:27:41,840 --> 00:27:45,960
Speaker 1: make sure that you are you're looking at your budget

604
00:27:46,040 --> 00:27:47,399
Speaker 1: and if you had to make a cut, you know

605
00:27:47,400 --> 00:27:50,320
Speaker 1: with that where you could you know, make sure that

606
00:27:50,560 --> 00:27:54,280
Speaker 1: you are being conservative with your spending, at least for

607
00:27:54,320 --> 00:27:56,040
Speaker 1: the time being, until we can kind of see where

608
00:27:56,040 --> 00:27:59,639
Speaker 1: things settle. I just don't want people to I remember

609
00:27:59,680 --> 00:28:03,440
Speaker 1: doing too thousand and eight because I didn't. I didn't

610
00:28:03,440 --> 00:28:07,240
Speaker 1: really feel the sting of the Great Recession until the

611
00:28:07,359 --> 00:28:09,879
Speaker 1: end of two thousand and nine. So two thousand and seven,

612
00:28:09,880 --> 00:28:11,359
Speaker 1: as things were kind of like rumbling, I was like,

613
00:28:11,800 --> 00:28:13,880
Speaker 1: two thousand and eight, I was like, ooh, it's bad

614
00:28:13,920 --> 00:28:16,520
Speaker 1: out there, not for me. Beginning of two thousand and nine.

615
00:28:17,920 --> 00:28:19,800
Speaker 1: The end of two thousand and nine, I was like, so,

616
00:28:21,200 --> 00:28:24,440
Speaker 1: where's the unemployment line again? And so I basically say

617
00:28:24,480 --> 00:28:26,720
Speaker 1: all that to say I had an opportunity to tighten

618
00:28:26,840 --> 00:28:28,639
Speaker 1: up a little bit to make it easier for me

619
00:28:28,680 --> 00:28:30,800
Speaker 1: when it was my turn, and I didn't take it

620
00:28:31,000 --> 00:28:31,600
Speaker 1: because you know.

621
00:28:31,920 --> 00:28:33,600
Speaker 2: Youth and foolishness.

622
00:28:33,880 --> 00:28:36,960
Speaker 1: So if you are doing decent right now, you have

623
00:28:37,000 --> 00:28:39,840
Speaker 1: an opportunity to basically put your mask on, tighten your belt,

624
00:28:40,320 --> 00:28:42,760
Speaker 1: and so that way, if something does come your way,

625
00:28:42,960 --> 00:28:46,120
Speaker 1: you have something to lean back on. I just don't

626
00:28:46,120 --> 00:28:49,480
Speaker 1: want people to pass up on that opportunity because everyone

627
00:28:49,520 --> 00:28:51,640
Speaker 1: doesn't have it. There's some people who are struggling right now,

628
00:28:51,800 --> 00:28:53,080
Speaker 1: they're not having to wait.

629
00:28:53,080 --> 00:28:56,760
Speaker 3: They're there now. Yes, absolutely, I one hundred percent agree.

630
00:28:56,840 --> 00:28:59,720
Speaker 3: Put your physical mask and your financial mask on.

631
00:29:00,040 --> 00:29:01,320
Speaker 2: I love that. Put your money mask on.

632
00:29:01,760 --> 00:29:03,640
Speaker 1: Yes, Oh I love that. Oh that's a good one

633
00:29:03,680 --> 00:29:05,360
Speaker 1: for it. I think that's a good title. Put joint

634
00:29:05,400 --> 00:29:12,160
Speaker 1: money mask on. Save trim expenses. I am quite proud.

635
00:29:12,680 --> 00:29:15,040
Speaker 1: Childcare is like the one silver lining. I mean, it's

636
00:29:15,080 --> 00:29:17,520
Speaker 1: also like the best and worst thing about this year

637
00:29:17,600 --> 00:29:20,040
Speaker 1: has been had we did not have to spend two

638
00:29:20,080 --> 00:29:22,800
Speaker 1: thousand dollars a month on daycare for Rio, which we

639
00:29:22,840 --> 00:29:26,920
Speaker 1: would have had to do probably around May. Can you

640
00:29:27,040 --> 00:29:30,280
Speaker 1: how many months has it been? Eight times to sixteen thousands?

641
00:29:31,600 --> 00:29:33,200
Speaker 3: On the other hand, I have had to figure out

642
00:29:33,240 --> 00:29:36,120
Speaker 3: how to be a mom during the workday, which is meat.

643
00:29:36,640 --> 00:29:39,960
Speaker 3: But you know, we haven't paid for childcare until now.

644
00:29:40,040 --> 00:29:42,800
Speaker 3: We are a family friend of ours is going to

645
00:29:42,840 --> 00:29:46,400
Speaker 3: be moving in with us to help with the baby,

646
00:29:46,400 --> 00:29:48,000
Speaker 3: and we're but it's still a lot, a lot lot

647
00:29:48,080 --> 00:29:50,720
Speaker 3: less than you know, we're spending on daycare.

648
00:29:50,760 --> 00:29:52,920
Speaker 2: So that's one. But with that money, I'm kind of

649
00:29:53,000 --> 00:29:56,000
Speaker 2: like we need to be saving that much money a

650
00:29:56,040 --> 00:29:59,800
Speaker 2: month anyway, but also looking for ways to trim expenses

651
00:30:00,080 --> 00:30:02,760
Speaker 2: and just to keep saving and investing. And you're right,

652
00:30:02,840 --> 00:30:04,080
Speaker 2: don't get too comfortable.

653
00:30:04,120 --> 00:30:07,080
Speaker 3: I don't think. I just don't think I'm mentally capable

654
00:30:07,120 --> 00:30:12,320
Speaker 3: of being that. I don't know, just that nonchalant about things.

655
00:30:12,320 --> 00:30:13,880
Speaker 3: I just don't think that's part of my DNA.

656
00:30:14,320 --> 00:30:14,800
Speaker 2: No it's not.

657
00:30:14,840 --> 00:30:16,560
Speaker 1: It's not not mine either, But I know that well,

658
00:30:16,600 --> 00:30:18,800
Speaker 1: not anymore because I've learned that lesson. But I know

659
00:30:19,240 --> 00:30:21,880
Speaker 1: I know what it is to feel comfortable. Human beings

660
00:30:21,920 --> 00:30:23,040
Speaker 1: are like, you know, when things are good, oh they

661
00:30:23,080 --> 00:30:24,840
Speaker 1: always be good. When things are bad, oh they always

662
00:30:24,880 --> 00:30:26,800
Speaker 1: be bad. So I just wanted to make sure that

663
00:30:27,200 --> 00:30:30,200
Speaker 1: if you are fortunate enough where things are decent to

664
00:30:30,720 --> 00:30:33,280
Speaker 1: what I do is keep what I call squirrel energy.

665
00:30:33,840 --> 00:30:36,200
Speaker 1: Like when things are good, squirrels be out there hustling

666
00:30:36,320 --> 00:30:39,400
Speaker 1: and saving nuts, right, and then when things.

667
00:30:39,200 --> 00:30:43,520
Speaker 3: Are bad, pumps apparently, yes, raggedy squirrels, right.

668
00:30:43,920 --> 00:30:47,120
Speaker 1: And then but when things are bad, squirrels anticipate that

669
00:30:47,200 --> 00:30:49,400
Speaker 1: one day things might turn alone left, and you know

670
00:30:49,480 --> 00:30:50,840
Speaker 1: they do. They're like, you know what, that's why I

671
00:30:50,840 --> 00:30:53,320
Speaker 1: put up during good times, and I think just just

672
00:30:53,440 --> 00:30:56,400
Speaker 1: reminding I always remind myself that that, like squirrels are

673
00:30:56,400 --> 00:30:59,840
Speaker 1: super smart, and that they enjoy the good times but

674
00:31:00,080 --> 00:31:01,960
Speaker 1: also put up during the good time, so that way

675
00:31:02,000 --> 00:31:05,080
Speaker 1: they can they can, you know, they can hibernate.

676
00:31:04,880 --> 00:31:06,880
Speaker 2: And and wait out the bad times.

677
00:31:06,920 --> 00:31:08,840
Speaker 1: And so I just encourage you to do that if

678
00:31:08,840 --> 00:31:11,080
Speaker 1: you're like I said, if you're because some people they've

679
00:31:11,120 --> 00:31:13,720
Speaker 1: already lost their jobs, they've already they're already trying to

680
00:31:13,720 --> 00:31:15,680
Speaker 1: figure out how they're gonna play more their mortgage. They're

681
00:31:15,680 --> 00:31:18,400
Speaker 1: already there now. So if you're fortunate that you're not there,

682
00:31:18,480 --> 00:31:19,479
Speaker 1: don't take it for granted.

683
00:31:20,320 --> 00:31:28,160
Speaker 2: A men, sister, friend, is it time for my favorite time? Questions?

684
00:31:28,240 --> 00:31:29,760
Speaker 2: Is that what you're asking? Cool questions?

685
00:31:30,200 --> 00:31:32,120
Speaker 3: Yeah, let's take a quick break and we'll be right

686
00:31:32,160 --> 00:32:07,360
Speaker 3: back with y'all questions. Okay, guys, we are back with

687
00:32:07,400 --> 00:32:10,320
Speaker 3: your questions again. Hit us up on Instagram. We're at

688
00:32:10,360 --> 00:32:13,280
Speaker 3: Brown Ambition Podcast, or you can also email us directly

689
00:32:13,440 --> 00:32:16,400
Speaker 3: Brown Ambition Podcast at gmail dot com with your question.

690
00:32:18,320 --> 00:32:20,600
Speaker 3: First question, this is an interesting one. We're just talking

691
00:32:20,600 --> 00:32:23,520
Speaker 3: about saving and investing, and this comes from a listener

692
00:32:23,520 --> 00:32:26,640
Speaker 3: who wants to remain anonymous, but she asks, what is

693
00:32:26,680 --> 00:32:29,640
Speaker 3: the best retirement account for someone who's only a couple

694
00:32:29,680 --> 00:32:32,640
Speaker 3: of years away from retiring, would it be best to

695
00:32:32,680 --> 00:32:35,680
Speaker 3: open a target date fund or an index fund?

696
00:32:37,360 --> 00:32:40,000
Speaker 2: Interesting question. She said a couple of months away, A

697
00:32:40,000 --> 00:32:41,760
Speaker 2: couple of years? Did I say months? I met? She

698
00:32:41,800 --> 00:32:44,560
Speaker 2: says years, A couple of years away, retired from retiring.

699
00:32:46,480 --> 00:32:50,600
Speaker 2: I mean that's difficult, I know, because a couple means

700
00:32:52,440 --> 00:32:53,200
Speaker 2: let's say five.

701
00:32:53,440 --> 00:32:57,880
Speaker 3: Let's just for this, for this, for this examples sake,

702
00:32:58,000 --> 00:33:01,880
Speaker 3: Let's say five, because my I have well, my dad,

703
00:33:01,960 --> 00:33:04,440
Speaker 3: my dad is sixty and I keep thinking about what

704
00:33:04,640 --> 00:33:07,000
Speaker 3: is his retirement plan? And he's, you know, he hasn't

705
00:33:07,040 --> 00:33:08,680
Speaker 3: he opened a four to one K, but not that

706
00:33:08,680 --> 00:33:11,440
Speaker 3: that long ago target date fund. I don't even know

707
00:33:11,480 --> 00:33:13,920
Speaker 3: if they. I mean, you've listen. There's no rules about

708
00:33:13,920 --> 00:33:15,840
Speaker 3: target date funds, Like if you wanted to go and

709
00:33:15,880 --> 00:33:18,360
Speaker 3: open up a target date fund for like twenty twenty five,

710
00:33:18,480 --> 00:33:20,840
Speaker 3: if that exists, I don't know. Probably it does, you

711
00:33:20,880 --> 00:33:23,520
Speaker 3: could do that. It just means most likely that it's

712
00:33:23,560 --> 00:33:27,480
Speaker 3: going to be really conservative and thinking about your time horizon,

713
00:33:27,520 --> 00:33:30,360
Speaker 3: which is so short. I mean, you can't expect to

714
00:33:30,800 --> 00:33:33,520
Speaker 3: necessarily make a bunch of money in the next couple

715
00:33:33,520 --> 00:33:35,720
Speaker 3: of years to be able to sustain it, to sustain

716
00:33:35,720 --> 00:33:39,959
Speaker 3: a retirement that being said, retirement isn't the end of

717
00:33:40,000 --> 00:33:43,640
Speaker 3: your life obviously, And I wish we knew how long

718
00:33:44,160 --> 00:33:46,000
Speaker 3: you were saying you were going to be retired, or

719
00:33:46,040 --> 00:33:48,760
Speaker 3: like how long you plan to need money to last

720
00:33:48,760 --> 00:33:51,120
Speaker 3: you through retirement, because you know, let's say you have

721
00:33:51,200 --> 00:33:54,880
Speaker 3: fifteen twenty years of beautiful life ahead of you, that's

722
00:33:55,000 --> 00:33:58,720
Speaker 3: a pretty long time horizon for investing. And I think

723
00:33:58,720 --> 00:34:01,040
Speaker 3: it's a myth that people who are older shouldn't be

724
00:34:01,120 --> 00:34:03,440
Speaker 3: in the market. I think you just need to do it.

725
00:34:04,440 --> 00:34:06,280
Speaker 3: You have to do it wisely, with your time horizon

726
00:34:06,320 --> 00:34:10,960
Speaker 3: in mind, and yeah, and just be realistic about your expectations.

727
00:34:11,400 --> 00:34:14,520
Speaker 1: And I'll say this that ideally, if you're going to

728
00:34:14,680 --> 00:34:19,200
Speaker 1: enter into an investment, that you have at least five

729
00:34:19,320 --> 00:34:22,160
Speaker 1: years to kind of see something come to fruition.

730
00:34:22,320 --> 00:34:23,799
Speaker 2: But there's a couple of things.

731
00:34:23,840 --> 00:34:28,600
Speaker 1: One in retirement as in like if you think like

732
00:34:28,680 --> 00:34:30,920
Speaker 1: I'm just you know, I'm not going to work anymore,

733
00:34:31,760 --> 00:34:34,400
Speaker 1: or is it that you know, like I'm not going

734
00:34:34,480 --> 00:34:37,080
Speaker 1: to work at that job, But it doesn't mean like,

735
00:34:37,120 --> 00:34:40,160
Speaker 1: you know, I really like I don't know, teaching kids

736
00:34:40,160 --> 00:34:42,319
Speaker 1: how to like roller skate or whatever. So you would

737
00:34:42,360 --> 00:34:46,080
Speaker 1: still have other income coming in so because you might

738
00:34:46,120 --> 00:34:47,760
Speaker 1: just say, like, you know, I'm going to be sixty

739
00:34:47,760 --> 00:34:51,439
Speaker 1: five in two years, but if you don't have enough

740
00:34:51,560 --> 00:34:54,480
Speaker 1: money set aside to support you, then you will have

741
00:34:54,560 --> 00:34:56,799
Speaker 1: to continue to work, but maybe just not as much.

742
00:34:56,840 --> 00:35:00,080
Speaker 1: So just be open to that. They're you know, they're

743
00:35:00,640 --> 00:35:04,000
Speaker 1: certainly social Security income that you'll be eligible for, but

744
00:35:04,080 --> 00:35:07,080
Speaker 1: also you might want to continue to work part time

745
00:35:07,160 --> 00:35:10,040
Speaker 1: to supplement the fact that your retirement account might not

746
00:35:10,160 --> 00:35:13,279
Speaker 1: have all that you will need. But a couple of

747
00:35:13,360 --> 00:35:15,759
Speaker 1: years is not going to be able to make up

748
00:35:15,800 --> 00:35:20,840
Speaker 1: for you know, like decades of like setting aside for

749
00:35:20,840 --> 00:35:22,560
Speaker 1: a retirement. But it doesn't mean that you shouldn't set

750
00:35:22,560 --> 00:35:26,000
Speaker 1: aside something because but like the rule of thumbs typically

751
00:35:26,080 --> 00:35:28,440
Speaker 1: is that you're when you're looking to invest into the market,

752
00:35:28,480 --> 00:35:30,160
Speaker 1: to give it at least five years to kind of

753
00:35:30,200 --> 00:35:33,080
Speaker 1: bring something back. But even then, you know, ten thousand

754
00:35:33,160 --> 00:35:35,160
Speaker 1: is not going to turn into to one million in

755
00:35:35,640 --> 00:35:36,160
Speaker 1: five years.

756
00:35:36,200 --> 00:35:37,520
Speaker 2: I mean unless something crazy.

757
00:35:37,760 --> 00:35:40,680
Speaker 3: What if they're a person who has this is this

758
00:35:40,840 --> 00:35:43,920
Speaker 3: is also something that I've personally, you know, had people

759
00:35:43,920 --> 00:35:45,600
Speaker 3: in my family like this. They have a bunch of

760
00:35:45,640 --> 00:35:49,520
Speaker 3: money in cash but have never invested it and maybe

761
00:35:49,960 --> 00:35:52,880
Speaker 3: may listen this is a very thin question. Not But

762
00:35:52,920 --> 00:35:55,160
Speaker 3: let's just like play pretend, Like what if this person

763
00:35:55,280 --> 00:35:58,360
Speaker 3: has one hundred thousand dollars in cash that they have

764
00:35:58,440 --> 00:36:02,120
Speaker 3: just squirreled away throughout their entire and now they're like, well, okay,

765
00:36:02,120 --> 00:36:04,839
Speaker 3: I want to be sure that this money is you know,

766
00:36:04,920 --> 00:36:07,160
Speaker 3: going to last me through retirement, so maybe I should

767
00:36:07,200 --> 00:36:09,239
Speaker 3: invest a big chunk of it. And how can I

768
00:36:09,239 --> 00:36:11,880
Speaker 3: do that to ensure that it at least protects me

769
00:36:11,880 --> 00:36:12,520
Speaker 3: from inflation?

770
00:36:13,200 --> 00:36:14,240
Speaker 2: Which could be fair?

771
00:36:14,480 --> 00:36:17,719
Speaker 1: You know, No, you're right, because honestly, if I had

772
00:36:17,760 --> 00:36:21,640
Speaker 1: not found a Julie my financial planner, then that would

773
00:36:21,680 --> 00:36:24,919
Speaker 1: be me with all this money sitting in a safe

774
00:36:24,920 --> 00:36:28,080
Speaker 1: as account because I was terrified of making a mistake

775
00:36:28,160 --> 00:36:29,920
Speaker 1: like I did the first time I started investing.

776
00:36:30,120 --> 00:36:33,480
Speaker 2: So that's that's very feasible. Well, then yes, you want

777
00:36:33,480 --> 00:36:34,160
Speaker 2: to I would.

778
00:36:34,320 --> 00:36:37,439
Speaker 1: I would put in something conservative to Mandy's point, if

779
00:36:37,560 --> 00:36:40,239
Speaker 1: I probably would still leave myself. Let's just say you

780
00:36:40,320 --> 00:36:42,960
Speaker 1: are someone I'll probably leave myself with six months twenty

781
00:36:43,040 --> 00:36:45,520
Speaker 1: years worth of emergency fund and then put the rest

782
00:36:45,600 --> 00:36:50,120
Speaker 1: in a passive so a low something with a low

783
00:36:50,960 --> 00:36:54,840
Speaker 1: Uh what is that thing called expense ratio? Yes, expense ratie,

784
00:36:54,880 --> 00:36:57,279
Speaker 1: which is basically the fee that they charge you. So

785
00:36:57,320 --> 00:36:59,680
Speaker 1: I'll put it in an index fund that's passively managed,

786
00:36:59,719 --> 00:37:03,360
Speaker 1: because passively managed just means the algorithm picture investments actively

787
00:37:03,360 --> 00:37:06,160
Speaker 1: managements a human being, and anything that humans get close

788
00:37:06,200 --> 00:37:07,200
Speaker 1: to costs more money.

789
00:37:07,680 --> 00:37:08,400
Speaker 2: So I probably just.

790
00:37:08,400 --> 00:37:13,200
Speaker 1: Put it in an expense a low expensor ratio index fund,

791
00:37:13,480 --> 00:37:15,400
Speaker 1: like maybe like some S and P five hundred index

792
00:37:15,440 --> 00:37:18,399
Speaker 1: fund or something like that, or a total market index fund.

793
00:37:18,440 --> 00:37:22,600
Speaker 1: But I'm not your financial advisor or planner or whatever,

794
00:37:22,680 --> 00:37:24,440
Speaker 1: So this is just what I would do for Tiffany

795
00:37:25,640 --> 00:37:28,160
Speaker 1: and then and then you know, rock out and see

796
00:37:28,160 --> 00:37:31,120
Speaker 1: like what happens at least to start. But yeah, and

797
00:37:32,520 --> 00:37:37,040
Speaker 1: it's always best to help your money grow money money

798
00:37:37,080 --> 00:37:40,480
Speaker 1: to me, not to me. In just general, money is

799
00:37:40,600 --> 00:37:45,879
Speaker 1: like a tree or plant. It is a If it's

800
00:37:45,920 --> 00:37:48,680
Speaker 1: not growing, it's dying. Like if your plan is not growing,

801
00:37:48,719 --> 00:37:50,640
Speaker 1: it's not growing leaves, it's not growing taller, it's not

802
00:37:50,680 --> 00:37:53,280
Speaker 1: going right or however your plant grows. If your plant

803
00:37:53,320 --> 00:37:55,959
Speaker 1: stops growing, that means your plant is dying. And that's

804
00:37:56,000 --> 00:37:59,280
Speaker 1: literally what happens with the money. It must grow because

805
00:37:59,480 --> 00:38:03,640
Speaker 1: inflation says so, and inflation is when your money is

806
00:38:03,680 --> 00:38:06,160
Speaker 1: worth less over time, and things start to cost more

807
00:38:06,160 --> 00:38:08,399
Speaker 1: over time. This is why your grandma tells you when

808
00:38:08,440 --> 00:38:10,960
Speaker 1: I was young, baby, I bought a house for twenty

809
00:38:11,000 --> 00:38:13,200
Speaker 1: five thousand dollars. Of course you did, Grandma, because one

810
00:38:13,880 --> 00:38:16,000
Speaker 1: twenty five thousand dollars could do a lot more back then,

811
00:38:16,280 --> 00:38:19,800
Speaker 1: and two houses were cheaper. Over time, your money loses

812
00:38:19,920 --> 00:38:23,040
Speaker 1: value and overtime things cost more money. And so if

813
00:38:23,080 --> 00:38:25,080
Speaker 1: your money is not growing to at least keep the

814
00:38:25,120 --> 00:38:28,719
Speaker 1: pace of that, then your money is effectively dying. So

815
00:38:28,840 --> 00:38:31,240
Speaker 1: just keeping that in mind, just in general, anyone who's listening,

816
00:38:31,440 --> 00:38:34,520
Speaker 1: that you want to help your money grow or else

817
00:38:34,560 --> 00:38:37,640
Speaker 1: you are losing money hand over fists day after day.

818
00:38:37,680 --> 00:38:40,040
Speaker 1: Because I think the I just was reading the other

819
00:38:40,120 --> 00:38:43,240
Speaker 1: day that about every twenty years or so, the cost

820
00:38:43,280 --> 00:38:46,760
Speaker 1: of goods double. So if your grandma bought a house,

821
00:38:48,040 --> 00:38:51,760
Speaker 1: you know, forty years ago, the house has probably doubled twice.

822
00:38:51,840 --> 00:38:55,080
Speaker 1: So she bought it for fifty thousand, that same house

823
00:38:55,719 --> 00:38:57,959
Speaker 1: is probably going for about two hundred thousand right now.

824
00:38:58,160 --> 00:39:00,319
Speaker 1: So just keep that in mind that you want your

825
00:39:00,320 --> 00:39:03,640
Speaker 1: money to grow. Yeah, and when we say index funds again,

826
00:39:04,160 --> 00:39:08,080
Speaker 1: you know, without knowing your situation, and I honestly feel

827
00:39:08,160 --> 00:39:11,360
Speaker 1: like this is a really good time to maybe pursue

828
00:39:11,680 --> 00:39:14,320
Speaker 1: a relationship with an investment advisor. That sounds so romantic,

829
00:39:14,360 --> 00:39:17,360
Speaker 1: I didn't mean it that way. Look in your area

830
00:39:17,400 --> 00:39:20,400
Speaker 1: for reputable feel only a financial planner or investment advisor

831
00:39:20,400 --> 00:39:22,919
Speaker 1: in your area to work with, and we can post

832
00:39:22,960 --> 00:39:26,319
Speaker 1: some resources in our show notes to find someone who's

833
00:39:26,360 --> 00:39:27,360
Speaker 1: registered in your area.

834
00:39:27,400 --> 00:39:29,960
Speaker 3: And you know, God, do your background check and all

835
00:39:29,960 --> 00:39:32,560
Speaker 3: of that. But you know, when we say index fund,

836
00:39:32,680 --> 00:39:34,640
Speaker 3: there's different types of index funds. I mean you could

837
00:39:34,640 --> 00:39:37,080
Speaker 3: put your money into a bond index fund with bonds.

838
00:39:37,160 --> 00:39:40,120
Speaker 3: They're backed by the US government, which means that they're

839
00:39:40,160 --> 00:39:43,960
Speaker 3: guaranteed to make a certain percentage. And I think right now,

840
00:39:44,080 --> 00:39:47,600
Speaker 3: especially with things like more conservative deposit accounts like CDs

841
00:39:47,719 --> 00:39:50,000
Speaker 3: right now and money markets, their rates are so low

842
00:39:50,520 --> 00:39:52,759
Speaker 3: these days that you know, a bond et like a

843
00:39:52,760 --> 00:39:55,920
Speaker 3: bond index fund or bond etf may be better for

844
00:39:56,000 --> 00:39:58,640
Speaker 3: someone who wants to invest, but maybe not be as

845
00:39:58,760 --> 00:40:01,160
Speaker 3: risky as someone who has a much longer time horizon

846
00:40:01,239 --> 00:40:03,560
Speaker 3: in front of them. But I just want to get

847
00:40:03,960 --> 00:40:06,120
Speaker 3: across the point that it's not too late, and especially

848
00:40:06,160 --> 00:40:08,120
Speaker 3: if you're in that made up scenario that I created

849
00:40:08,120 --> 00:40:09,840
Speaker 3: for you, where you have a bunch of money sitting

850
00:40:09,840 --> 00:40:12,320
Speaker 3: in the bank in cash. You know, you want to

851
00:40:12,360 --> 00:40:15,040
Speaker 3: be conservative, but I do feel like there's value in

852
00:40:15,040 --> 00:40:17,960
Speaker 3: investing conservatively, Like Tiffany said, to be sure that that

853
00:40:18,000 --> 00:40:20,520
Speaker 3: money lasts as long as it possibly can for your

854
00:40:20,960 --> 00:40:22,120
Speaker 3: for your golden years.

855
00:40:22,360 --> 00:40:25,640
Speaker 2: Mm hmm. Your coding is. But that was good perspective,

856
00:40:26,239 --> 00:40:28,160
Speaker 2: mandra about like maybe they have a ton of money and.

857
00:40:28,080 --> 00:40:32,200
Speaker 1: It's just they just glass half full. Yeah, but it's

858
00:40:32,239 --> 00:40:35,640
Speaker 1: still here's the thing. People work, you know, like they

859
00:40:35,800 --> 00:40:38,120
Speaker 1: if you enjoy what you do, you know you don't.

860
00:40:38,520 --> 00:40:40,080
Speaker 2: You don't. I don't plan on sitting down.

861
00:40:40,120 --> 00:40:43,600
Speaker 1: I mean unless I get sat down, I you know,

862
00:40:43,800 --> 00:40:47,680
Speaker 1: just because I've already basically reached financial independence, I guess

863
00:40:47,680 --> 00:40:49,120
Speaker 1: you could say, and so I.

864
00:40:49,200 --> 00:40:51,719
Speaker 2: But I enjoy working. I enjoy what that looks like.

865
00:40:51,800 --> 00:40:55,800
Speaker 1: So certainly you can continue to work to support yourself,

866
00:40:55,800 --> 00:40:58,040
Speaker 1: but also you can enjoy the work as well, so

867
00:40:58,080 --> 00:40:59,080
Speaker 1: don't feel bad about that.

868
00:41:00,120 --> 00:41:03,080
Speaker 3: Yeah, let's take another question. This is from the opposite

869
00:41:03,160 --> 00:41:04,960
Speaker 3: end of the age spectrum, and it kind of just

870
00:41:05,000 --> 00:41:07,520
Speaker 3: shows you the wide range of ages who listen to

871
00:41:07,560 --> 00:41:10,040
Speaker 3: our show, which is kind of amazing. This comes from

872
00:41:10,040 --> 00:41:13,920
Speaker 3: Instagram user. Her name is Aliah Ailiah, which I think

873
00:41:13,960 --> 00:41:15,919
Speaker 3: she spelled phonetically so that I could say it, which

874
00:41:15,920 --> 00:41:18,919
Speaker 3: means she doesn't want to be anonymous. Ya Aliyah, thank

875
00:41:18,960 --> 00:41:20,680
Speaker 3: you for your question. Aliah, she says, due to my

876
00:41:20,760 --> 00:41:23,640
Speaker 3: financial aid situation and the onset of COVID, I've come

877
00:41:23,680 --> 00:41:27,080
Speaker 3: across a generous amount of refunds and stipends from my school.

878
00:41:27,560 --> 00:41:29,760
Speaker 3: I want to do something with the extra money sitting

879
00:41:29,760 --> 00:41:32,239
Speaker 3: in my savings that will possibly help me out later on.

880
00:41:32,680 --> 00:41:35,319
Speaker 3: Do you guys have any suggestions for a nineteen year

881
00:41:35,320 --> 00:41:37,520
Speaker 3: old trying to set herself up for success?

882
00:41:38,520 --> 00:41:43,920
Speaker 2: Oohoo, Aliah. So she's in school, she has stipends leftover.

883
00:41:43,640 --> 00:41:45,879
Speaker 3: Some refunds, some stipends from the school, so she's got

884
00:41:45,880 --> 00:41:48,160
Speaker 3: some cash sitting in the bank and is wanting to

885
00:41:48,160 --> 00:41:51,200
Speaker 3: know if we have suggestions. She's nineteen trying to set

886
00:41:51,239 --> 00:41:52,719
Speaker 3: herself up for success later.

887
00:41:53,840 --> 00:41:56,120
Speaker 1: Well, I would say, first and foremost, Aliyah, just to

888
00:41:56,120 --> 00:42:00,440
Speaker 1: have your little emergency fund stash, you know, like three

889
00:42:00,520 --> 00:42:04,520
Speaker 1: months is okay? Six months is better of like your

890
00:42:04,560 --> 00:42:07,560
Speaker 1: basic beer bowls expenses. So I like to I don't

891
00:42:07,800 --> 00:42:09,719
Speaker 1: when I think of emergency funds, I don't think like, oh,

892
00:42:09,719 --> 00:42:11,400
Speaker 1: three months of how much I make, I'm like, no, no.

893
00:42:11,480 --> 00:42:13,120
Speaker 1: If I had to drop down and get my noodle

894
00:42:13,200 --> 00:42:15,080
Speaker 1: on with my noodle budget, which is just your if

895
00:42:15,120 --> 00:42:17,719
Speaker 1: you had to eat ramen noodle's budget, if you had

896
00:42:17,760 --> 00:42:21,000
Speaker 1: to get real cheap budget, how much.

897
00:42:20,880 --> 00:42:22,239
Speaker 2: Is that that does that life cost me?

898
00:42:22,280 --> 00:42:24,279
Speaker 1: Because my assumption is if you lose your income, you

899
00:42:24,560 --> 00:42:27,440
Speaker 1: should be dropping down to that budget anyway. So multiply

900
00:42:27,520 --> 00:42:30,600
Speaker 1: that time three, multiply that time six, and if that

901
00:42:30,719 --> 00:42:34,480
Speaker 1: money is enough, if it's just barely enough to cover that,

902
00:42:34,520 --> 00:42:36,319
Speaker 1: then that was it. That's all I would do. I

903
00:42:36,320 --> 00:42:39,359
Speaker 1: know people don't like to hear save, but that's your

904
00:42:39,360 --> 00:42:42,120
Speaker 1: first line defense should something happen. And then if you

905
00:42:42,160 --> 00:42:45,360
Speaker 1: have money outside of that lee I would. I wonder

906
00:42:45,440 --> 00:42:47,440
Speaker 1: did she say if she's working, she's just in school.

907
00:42:47,719 --> 00:42:49,480
Speaker 2: She does not mention if she's working or not.

908
00:42:50,200 --> 00:42:54,920
Speaker 4: Well, if you were working, I would probably If it

909
00:42:54,960 --> 00:42:57,479
Speaker 4: was me, I would probably see if I could start

910
00:42:58,120 --> 00:43:00,920
Speaker 4: a raw FIRA and start putting money aside if I

911
00:43:00,960 --> 00:43:04,160
Speaker 4: was working, because earlier you could start is setting aside

912
00:43:04,160 --> 00:43:05,200
Speaker 4: and investing for retirement.

913
00:43:05,239 --> 00:43:05,640
Speaker 2: The better.

914
00:43:06,520 --> 00:43:08,440
Speaker 1: If you're not working, you can certainly just open up

915
00:43:08,480 --> 00:43:14,160
Speaker 1: a regular investment account. There's no tax advantage there, but

916
00:43:14,480 --> 00:43:17,080
Speaker 1: you know, you could start to set aside of money,

917
00:43:17,080 --> 00:43:21,680
Speaker 1: like we shared with the other young woman earlier about

918
00:43:21,719 --> 00:43:24,440
Speaker 1: looking into putting money to set aside, like in an

919
00:43:24,520 --> 00:43:27,440
Speaker 1: index fund. Or you can start your target date fund,

920
00:43:27,440 --> 00:43:29,279
Speaker 1: which we've talked about many times on the show. Because

921
00:43:29,280 --> 00:43:32,480
Speaker 1: you're so young, it will be aggressively invested, and if

922
00:43:32,520 --> 00:43:34,000
Speaker 1: you didn't know how to do anything, you can.

923
00:43:34,880 --> 00:43:36,160
Speaker 2: If you put your money in the target.

924
00:43:36,040 --> 00:43:38,160
Speaker 1: Day fund and say, hey, I plan on retiring in

925
00:43:38,280 --> 00:43:41,799
Speaker 1: forty years, it would invest very aggressively for now, for

926
00:43:41,880 --> 00:43:43,520
Speaker 1: you for now, and then the older the culture you

927
00:43:43,560 --> 00:43:45,640
Speaker 1: got to retirement, it become more and more conservative.

928
00:43:45,880 --> 00:43:46,960
Speaker 2: So that's what I would do.

929
00:43:47,000 --> 00:43:51,600
Speaker 1: I would save retirement if I'm working, and then invest

930
00:43:51,800 --> 00:43:53,280
Speaker 1: for wealth if I'm not working.

931
00:43:54,719 --> 00:43:57,919
Speaker 3: I love it. I agree wholeheartedly. You're so young, sounds

932
00:43:57,960 --> 00:44:00,600
Speaker 3: like you're probably early into your college career too. I

933
00:44:00,600 --> 00:44:02,200
Speaker 3: think you want to have some savings in the bank

934
00:44:02,280 --> 00:44:04,040
Speaker 3: just as a cash cushion. I mean, you're also going

935
00:44:04,080 --> 00:44:06,239
Speaker 3: to graduate, and you know, I really hope that there's

936
00:44:06,239 --> 00:44:07,960
Speaker 3: a better job market by the time you graduate, but

937
00:44:08,040 --> 00:44:11,000
Speaker 3: let's say there isn't. You'll have that cash cushion and

938
00:44:11,200 --> 00:44:13,560
Speaker 3: look up all the different you know, when you get

939
00:44:13,560 --> 00:44:16,360
Speaker 3: closer to graduation. If you have federal student loans, you know,

940
00:44:16,400 --> 00:44:19,080
Speaker 3: look up the different programs that are there that I

941
00:44:19,080 --> 00:44:21,399
Speaker 3: hope will still be there when you graduate, where you

942
00:44:21,440 --> 00:44:24,640
Speaker 3: can get on income based repayment plans to make your

943
00:44:24,680 --> 00:44:28,640
Speaker 3: student loans more affordable after college, so you don't immediately

944
00:44:28,719 --> 00:44:30,480
Speaker 3: run through your savings should you need it. You know,

945
00:44:30,560 --> 00:44:33,839
Speaker 3: you can keep that savings for other expenses or, like

946
00:44:33,880 --> 00:44:36,280
Speaker 3: Tiffany said, invest a chunk of it for your future.

947
00:44:37,239 --> 00:44:39,360
Speaker 2: But you're on the right track. Nineteen years old and

948
00:44:39,360 --> 00:44:41,240
Speaker 2: listening to Brown Ambition, which awesome?

949
00:44:41,800 --> 00:44:44,800
Speaker 3: Could it get any more like the spectrum there nineteen

950
00:44:44,840 --> 00:44:47,640
Speaker 3: years old in college versus someone who's close to retirement

951
00:44:47,680 --> 00:44:50,600
Speaker 3: and wanting to invest. Yeah, love it. Thank you guys

952
00:44:50,600 --> 00:44:53,279
Speaker 3: so much for your questions. They are the best part

953
00:44:53,320 --> 00:44:56,040
Speaker 3: about doing this show again. Hit us up on Instagram

954
00:44:56,080 --> 00:44:59,120
Speaker 3: at Brand Ambission Podcast. You can send us a DM

955
00:44:59,160 --> 00:45:01,840
Speaker 3: there and I will re them and sometimes I respond,

956
00:45:02,160 --> 00:45:06,600
Speaker 3: and also our email Brand Ambitionpodcast at gmail dot com dot.

957
00:45:09,480 --> 00:45:11,120
Speaker 2: All Right, ready for a boost and break.

958
00:45:11,840 --> 00:45:15,799
Speaker 1: It's time to booster a breaker, Booster break or boo

959
00:45:15,800 --> 00:45:19,239
Speaker 1: boo boo boost but book break break? So I know

960
00:45:19,320 --> 00:45:22,040
Speaker 1: you said you kind of have a break. Do you

961
00:45:22,040 --> 00:45:23,839
Speaker 1: want to breakfast or boot first? Or should I boost

962
00:45:23,840 --> 00:45:24,800
Speaker 1: first before you break?

963
00:45:25,400 --> 00:45:28,439
Speaker 3: I don't know what do you what do you want?

964
00:45:28,520 --> 00:45:29,840
Speaker 3: Do you want me to go first or do you

965
00:45:29,840 --> 00:45:31,439
Speaker 3: want to go because I'm ready either way.

966
00:45:32,120 --> 00:45:34,960
Speaker 1: If if you're gonna boo, if you're gonna break, I say,

967
00:45:35,000 --> 00:45:36,880
Speaker 1: maybe go first to stuff. We can end up a lighter note.

968
00:45:37,080 --> 00:45:39,319
Speaker 1: If you're going to boost, then we can. It doesn't matter.

969
00:45:40,200 --> 00:45:42,680
Speaker 3: I'm gonna okay. If people are confused, all right, let

970
00:45:42,680 --> 00:45:46,000
Speaker 3: me just get into it. So today, oh man, this

971
00:45:46,040 --> 00:45:47,920
Speaker 3: man makes me so uncomfortable to look at it.

972
00:45:47,960 --> 00:45:48,520
Speaker 2: Don't know why.

973
00:45:48,600 --> 00:45:52,120
Speaker 3: But Jared Kushner, Uh, if you don't know who he is,

974
00:45:52,160 --> 00:45:54,840
Speaker 3: he is Avonka Trump's husband, and he is I don't know,

975
00:45:54,880 --> 00:45:56,680
Speaker 3: He's got some crazy title in the White House. He's

976
00:45:56,680 --> 00:46:01,200
Speaker 3: basically like Trump's one of Trump's right hand men. And

977
00:46:01,480 --> 00:46:05,239
Speaker 3: he got on Fox News today and decided to talk

978
00:46:05,280 --> 00:46:07,520
Speaker 3: about you know, Obama or not Obama.

979
00:46:07,560 --> 00:46:10,320
Speaker 2: Oh my goodness, what is happening with my mind right now? Trump?

980
00:46:10,960 --> 00:46:12,840
Speaker 3: Trump likes to say that he has done more for

981
00:46:12,920 --> 00:46:17,439
Speaker 3: black people than anyone since Abraham Lincoln. Okay, we don't

982
00:46:17,440 --> 00:46:19,960
Speaker 3: need you don't need us to fact check that for you. Anyhow,

983
00:46:20,080 --> 00:46:22,600
Speaker 3: Kushner was on Fox News of all places, and decided

984
00:46:22,600 --> 00:46:26,440
Speaker 3: to imply that he doesn't think black people want to

985
00:46:26,440 --> 00:46:28,960
Speaker 3: be successful. And he was essentially saying, you know, we

986
00:46:29,120 --> 00:46:31,759
Speaker 3: can't want them to be more successful than they want

987
00:46:31,800 --> 00:46:35,239
Speaker 3: to be successful, which is extremely condescending and problematic on

988
00:46:35,400 --> 00:46:38,040
Speaker 3: so many levels. But I want to flip that because

989
00:46:38,160 --> 00:46:41,200
Speaker 3: while this is you know, so common amongst people who

990
00:46:41,280 --> 00:46:44,319
Speaker 3: want to roll their eyes at minorities, and you know,

991
00:46:44,400 --> 00:46:47,399
Speaker 3: whenever someone tries to acknowledge that maybe we were set

992
00:46:47,480 --> 00:46:50,880
Speaker 3: back just a little bit of a disadvantage by centuries

993
00:46:50,960 --> 00:46:54,719
Speaker 3: of systemic racism and slavery and oppression, people like to

994
00:46:54,719 --> 00:46:57,359
Speaker 3: say that we're just wining and all that. So what

995
00:46:57,400 --> 00:47:01,120
Speaker 3: I liked about this story is that there's a representative

996
00:47:01,160 --> 00:47:04,239
Speaker 3: from Arizona. His name is Reuben Gallego or a Galego.

997
00:47:05,120 --> 00:47:06,719
Speaker 3: I'm not sure how you pronounced his last name. He

998
00:47:06,880 --> 00:47:10,360
Speaker 3: went to Twitter when this thread, when this Kushner interview

999
00:47:10,360 --> 00:47:13,239
Speaker 3: went viral, and he started this thread, which I thought

1000
00:47:13,280 --> 00:47:15,839
Speaker 3: was so impactful. He and I'm just going to read

1001
00:47:15,920 --> 00:47:19,800
Speaker 3: his thread because he also went to Harvard like Jared Kushner,

1002
00:47:19,840 --> 00:47:22,239
Speaker 3: and he basically is like, listen to my story. Let

1003
00:47:22,239 --> 00:47:24,320
Speaker 3: me tell you what I did to get into Harvard

1004
00:47:24,680 --> 00:47:28,120
Speaker 3: compared to what Jared Kushner did. He says, and this

1005
00:47:28,239 --> 00:47:30,440
Speaker 3: is just like a real quick reading of his thread,

1006
00:47:30,480 --> 00:47:32,919
Speaker 3: and imagine this is all the steps it took him,

1007
00:47:33,280 --> 00:47:36,120
Speaker 3: a minority to get into the same school as Jared Kushner.

1008
00:47:36,600 --> 00:47:39,040
Speaker 3: My freshman year of high school, I realized the only

1009
00:47:39,080 --> 00:47:40,839
Speaker 3: way to college was going to happen if I did

1010
00:47:40,840 --> 00:47:43,480
Speaker 3: well on my exams. So I bought used prep exam

1011
00:47:43,520 --> 00:47:47,160
Speaker 3: books and started copying exams from the library. That librarian

1012
00:47:47,239 --> 00:47:48,840
Speaker 3: is a close friend to this day. Shout out to

1013
00:47:48,880 --> 00:47:51,399
Speaker 3: missus Conley. I was luckily enough to have a job

1014
00:47:51,400 --> 00:47:54,160
Speaker 3: that let me practice tests in between flipping burgers. I

1015
00:47:54,280 --> 00:47:56,640
Speaker 3: used that money to pay for extra curriculars that would

1016
00:47:56,640 --> 00:47:59,759
Speaker 3: look good on a college resume. Not knowing anyone that

1017
00:48:00,200 --> 00:48:03,000
Speaker 3: to Harvard, I looked up students in the student directory.

1018
00:48:03,360 --> 00:48:06,040
Speaker 3: I called anyone that had a Latino sounding name and

1019
00:48:06,120 --> 00:48:09,160
Speaker 3: left messages. A few returned my calls and helped guide

1020
00:48:09,160 --> 00:48:12,000
Speaker 3: me to get ready to apply for college. Junior year,

1021
00:48:12,120 --> 00:48:16,040
Speaker 3: I intensified my practice exams, added more AP exams, became

1022
00:48:16,040 --> 00:48:19,160
Speaker 3: student council president, had my after school job as well

1023
00:48:19,200 --> 00:48:22,879
Speaker 3: as other extracurriculars. Senior year, I might be the only

1024
00:48:22,920 --> 00:48:25,360
Speaker 3: student to apply to Harvard using money orders, but I

1025
00:48:25,400 --> 00:48:28,480
Speaker 3: did it using a friend's computer to apply. Thank you

1026
00:48:28,520 --> 00:48:30,839
Speaker 3: to that family, and I figured out how to do

1027
00:48:30,960 --> 00:48:35,680
Speaker 3: estimated taxes to do the FASVA. Then the interview process. First,

1028
00:48:35,960 --> 00:48:37,839
Speaker 3: my interview was on the North side of Chicago at

1029
00:48:37,840 --> 00:48:41,120
Speaker 3: six thirty pm. My mom works five pm downtown. She

1030
00:48:41,160 --> 00:48:43,319
Speaker 3: won't make it back in time to drive. I left

1031
00:48:43,320 --> 00:48:46,359
Speaker 3: school early to take the bus to the interview, take

1032
00:48:46,360 --> 00:48:48,479
Speaker 3: the Blue Line out, take another bus, and then walk

1033
00:48:48,520 --> 00:48:52,200
Speaker 3: the last mile. My interviewer hadn't ever had an applicant

1034
00:48:52,280 --> 00:48:55,319
Speaker 3: take public transportation to see her. She was surprised when

1035
00:48:55,320 --> 00:48:57,080
Speaker 3: I told her I was taking it back home. She

1036
00:48:57,160 --> 00:48:59,320
Speaker 3: was kind enough to drop me off at the bus stop.

1037
00:49:00,160 --> 00:49:03,200
Speaker 3: Finally accepted. I was so lucky to have a supportive

1038
00:49:03,200 --> 00:49:05,640
Speaker 3: mom and sisters that encouraged me the whole way. They

1039
00:49:05,680 --> 00:49:07,960
Speaker 3: did countless things to make it happen. Thank you, Familiar.

1040
00:49:08,320 --> 00:49:09,960
Speaker 3: Now let me tell you what Jared did to get

1041
00:49:09,960 --> 00:49:12,920
Speaker 3: into Harvard. His parents paid millions of dollars to get

1042
00:49:12,960 --> 00:49:15,239
Speaker 3: him there, So I won't take lectures about who wants

1043
00:49:15,280 --> 00:49:17,719
Speaker 3: to succeed more from a man who couldn't do it

1044
00:49:17,760 --> 00:49:22,279
Speaker 3: without money from his parents. Microphone drop exactly right.

1045
00:49:22,520 --> 00:49:26,200
Speaker 1: He did not have the greats nor the SAT scores,

1046
00:49:26,239 --> 00:49:28,319
Speaker 1: but what his parents did do was donut. I think

1047
00:49:28,320 --> 00:49:31,560
Speaker 1: it was two point five million dollars to Harvard. So

1048
00:49:31,640 --> 00:49:32,279
Speaker 1: here's the thing.

1049
00:49:32,920 --> 00:49:35,360
Speaker 2: And his dad also went to jail just saying, look it.

1050
00:49:35,400 --> 00:49:38,120
Speaker 1: Up it what's so crazy to me? And I know

1051
00:49:38,120 --> 00:49:41,400
Speaker 1: we're preaching to like the Briannabish and choir. Here is

1052
00:49:41,480 --> 00:49:45,759
Speaker 1: that preach there is If Jared don't have nothing else,

1053
00:49:45,800 --> 00:49:51,600
Speaker 1: he has the audacity, the white male privileged audacity. You

1054
00:49:51,719 --> 00:49:55,319
Speaker 1: really believe that you are special, that somehow you are

1055
00:49:55,360 --> 00:49:59,960
Speaker 1: where you are because you are smart, that you work hard,

1056
00:50:00,400 --> 00:50:07,200
Speaker 1: that you put yourself in that position. It's just categorically

1057
00:50:07,239 --> 00:50:10,279
Speaker 1: not true. You couldn't even get into college without your

1058
00:50:10,440 --> 00:50:14,000
Speaker 1: paying two point five million dollars. Bro, that's expensive for

1059
00:50:14,440 --> 00:50:19,399
Speaker 1: expensive stupidity, Like bro, people, I mean people have gotten

1060
00:50:19,440 --> 00:50:22,200
Speaker 1: to college for less. Okay, it just shows the level

1061
00:50:22,400 --> 00:50:24,799
Speaker 1: of stupidity that you brought to the table that it

1062
00:50:24,840 --> 00:50:28,080
Speaker 1: took Harvard. It took two point five million dollars for

1063
00:50:28,120 --> 00:50:31,439
Speaker 1: Harvard to say, Okay, well loot dummy, here in here.

1064
00:50:31,600 --> 00:50:33,879
Speaker 1: So that just is crazy to me. You're not here

1065
00:50:33,960 --> 00:50:36,200
Speaker 1: because of your own merit, not even a little bit.

1066
00:50:37,040 --> 00:50:40,319
Speaker 1: That's what I struggle with when I see people who

1067
00:50:41,040 --> 00:50:45,680
Speaker 1: have privilege and talk as if somehow they've earned it.

1068
00:50:46,040 --> 00:50:48,600
Speaker 1: You're not here by your own hand. You're not here

1069
00:50:48,719 --> 00:50:51,680
Speaker 1: because of your merit. You're here because of luck of

1070
00:50:51,719 --> 00:50:53,799
Speaker 1: the draw. That's it. That's it.

1071
00:50:54,480 --> 00:50:56,080
Speaker 2: And if you if I placed.

1072
00:50:55,760 --> 00:50:58,680
Speaker 1: You any place else in the world with less, you

1073
00:50:58,719 --> 00:51:01,480
Speaker 1: would come out. You would not come out the same

1074
00:51:01,520 --> 00:51:04,279
Speaker 1: place where you are now. Those people who like the

1075
00:51:04,280 --> 00:51:06,920
Speaker 1: the Gentleman's sweet that you read l all the grit,

1076
00:51:07,280 --> 00:51:11,440
Speaker 1: all of the the consistency, all the work that he

1077
00:51:11,560 --> 00:51:13,880
Speaker 1: had to do to get where he is. He earned

1078
00:51:14,000 --> 00:51:17,319
Speaker 1: that spot. And so I'm not surprised, you know, I'm

1079
00:51:17,400 --> 00:51:19,840
Speaker 1: just you know, it's just more of the same. Honestly,

1080
00:51:19,920 --> 00:51:22,640
Speaker 1: I I've learned not to. It's so easy to go

1081
00:51:22,719 --> 00:51:26,520
Speaker 1: down the rabbit hole and to get so livid. I

1082
00:51:26,560 --> 00:51:28,120
Speaker 1: was just doing a keynote the other day, and I

1083
00:51:28,160 --> 00:51:29,759
Speaker 1: just wish the lady had not asked me this question.

1084
00:51:29,840 --> 00:51:31,680
Speaker 1: She was we were talking about like race or whatever,

1085
00:51:32,080 --> 00:51:33,680
Speaker 1: and I was telling her about like the whole my

1086
00:51:33,719 --> 00:51:35,799
Speaker 1: whole house situation, which I actually have.

1087
00:51:35,800 --> 00:51:36,479
Speaker 2: Really good news.

1088
00:51:36,480 --> 00:51:39,239
Speaker 1: Well you know, I'm gonna say it. I have really

1089
00:51:39,239 --> 00:51:42,840
Speaker 1: good news. So it's funny because uh, I was. I

1090
00:51:42,920 --> 00:51:45,680
Speaker 1: was speaking at Big Brother's Big Sister. No, yeah, Big

1091
00:51:45,680 --> 00:51:47,400
Speaker 1: Brother's Big Sisters. I was doing a keynote for their

1092
00:51:47,480 --> 00:51:50,759
Speaker 1: national organization, and I was donating my time and then

1093
00:51:50,840 --> 00:51:53,439
Speaker 1: we I was talking with the CEO, and I don't

1094
00:51:53,440 --> 00:51:55,120
Speaker 1: know how we got to talking about race, but we

1095
00:51:55,200 --> 00:51:57,279
Speaker 1: ended up talking about how because so many of the

1096
00:51:57,360 --> 00:52:00,920
Speaker 1: kids are are black and brown children, and I was

1097
00:52:00,960 --> 00:52:03,480
Speaker 1: sharing how it's so frustrating because it's like you can't

1098
00:52:03,520 --> 00:52:05,719
Speaker 1: outwork racism. And I was sharing how, you know, my

1099
00:52:05,719 --> 00:52:09,439
Speaker 1: house was undervalued, and even I was questioning myself whether

1100
00:52:09,520 --> 00:52:11,680
Speaker 1: or not maybe I had made too big of a

1101
00:52:11,719 --> 00:52:13,279
Speaker 1: deal out of it, that maybe that's just not true

1102
00:52:13,400 --> 00:52:16,200
Speaker 1: until the New York Times interviewed me and took my

1103
00:52:17,000 --> 00:52:20,759
Speaker 1: you know, took a copy of my my appraisal and

1104
00:52:20,800 --> 00:52:24,719
Speaker 1: had it independently appraised by someone else. And that guy

1105
00:52:24,880 --> 00:52:27,080
Speaker 1: was like, I don't understand, why are these the comps

1106
00:52:27,080 --> 00:52:29,960
Speaker 1: for her house? Her house? Is newly renovated, these comps

1107
00:52:29,960 --> 00:52:33,440
Speaker 1: are not. And two why they've labeled her house. I

1108
00:52:33,440 --> 00:52:35,680
Speaker 1: think it's like a C two instead of a C three.

1109
00:52:35,880 --> 00:52:39,000
Speaker 1: Her house was renovated less than five months ago, which

1110
00:52:39,000 --> 00:52:40,680
Speaker 1: would say a newly renovated house.

1111
00:52:40,719 --> 00:52:41,680
Speaker 2: I think that's like C three.

1112
00:52:41,800 --> 00:52:43,640
Speaker 1: But they have her down for C two, which is

1113
00:52:44,239 --> 00:52:46,080
Speaker 1: an older house that has wear and tear.

1114
00:52:46,680 --> 00:52:49,319
Speaker 2: Oh, I'll tell you why. Racism. So when I.

1115
00:52:49,320 --> 00:52:51,640
Speaker 1: Got that report back from the New York Times after

1116
00:52:51,760 --> 00:52:54,960
Speaker 1: their investigative report, then I was like, Tiffany.

1117
00:52:54,600 --> 00:52:56,080
Speaker 2: You're even doing it to yourself. Were You're like, well,

1118
00:52:56,080 --> 00:52:57,480
Speaker 2: maybe I'm making too much of be a deal about it.

1119
00:52:57,560 --> 00:52:59,680
Speaker 1: So anyway, I was telling her that, and I felt

1120
00:52:59,719 --> 00:53:01,160
Speaker 1: so bad because I felt like I was bringing that

1121
00:53:01,200 --> 00:53:04,520
Speaker 1: anger with me during my during my speech, and I

1122
00:53:04,600 --> 00:53:05,640
Speaker 1: just say all that to say.

1123
00:53:05,440 --> 00:53:08,399
Speaker 2: That it can be. So what can you do?

1124
00:53:09,040 --> 00:53:09,239
Speaker 4: You know?

1125
00:53:09,400 --> 00:53:10,800
Speaker 1: And I said, I was like, the only thing you

1126
00:53:10,800 --> 00:53:12,479
Speaker 1: could do is like write a damn law. I can't

1127
00:53:12,480 --> 00:53:16,520
Speaker 1: write laws. And don't you know that day the angel

1128
00:53:16,880 --> 00:53:20,080
Speaker 1: Angelavie McKnight, who you might remember her from the Budget

1129
00:53:20,120 --> 00:53:24,120
Speaker 1: Nesta laws. She is the assembly woman of in Jersey

1130
00:53:24,160 --> 00:53:26,799
Speaker 1: City who reached out to me and said, I want

1131
00:53:26,840 --> 00:53:28,880
Speaker 1: to I want to write a law about education and

1132
00:53:28,920 --> 00:53:31,719
Speaker 1: about financial education, and we work together to create the

1133
00:53:31,719 --> 00:53:34,720
Speaker 1: budget Neiste Law, which makes it mandatory for middle school

1134
00:53:34,760 --> 00:53:35,560
Speaker 1: students to learn.

1135
00:53:36,160 --> 00:53:37,560
Speaker 2: Financial education in school.

1136
00:53:37,840 --> 00:53:40,840
Speaker 1: She said, I've been following your story about you, posting

1137
00:53:40,880 --> 00:53:44,640
Speaker 1: about you know, how you know, like what happened to

1138
00:53:44,680 --> 00:53:47,080
Speaker 1: you and in your home and how this is this

1139
00:53:47,120 --> 00:53:49,880
Speaker 1: is a pandemic and an epidemic for black and brown people,

1140
00:53:49,880 --> 00:53:52,239
Speaker 1: and how their homes are under praise. She said, I

1141
00:53:52,320 --> 00:53:54,640
Speaker 1: want to write a law. Can you imagine many? I

1142
00:53:54,680 --> 00:53:56,640
Speaker 1: literally just said there's nothing I could do. I can't

1143
00:53:56,640 --> 00:53:57,359
Speaker 1: make a law, and.

1144
00:53:57,320 --> 00:53:59,839
Speaker 2: She's like, let's make a law. I was like, wait what?

1145
00:54:02,040 --> 00:54:04,440
Speaker 1: So she actually set me something to read. I hope

1146
00:54:04,440 --> 00:54:06,080
Speaker 1: I'm not preemptively but whatever, I mean, it's going to

1147
00:54:06,120 --> 00:54:06,719
Speaker 1: be public soon.

1148
00:54:06,760 --> 00:54:10,480
Speaker 2: But that finally something to do.

1149
00:54:10,719 --> 00:54:13,360
Speaker 1: I hate this Jared Kushner thing because I feel like

1150
00:54:13,360 --> 00:54:15,200
Speaker 1: there's nothing to do there. He's an idiot, and I

1151
00:54:15,239 --> 00:54:17,360
Speaker 1: mean literally not just an idiot because he said it,

1152
00:54:17,360 --> 00:54:19,600
Speaker 1: he's an idiot. He didn't get it too. Harvard's he's

1153
00:54:19,600 --> 00:54:22,759
Speaker 1: an idiot, you know. So I but there's nothing, there's

1154
00:54:22,800 --> 00:54:23,879
Speaker 1: no place.

1155
00:54:23,560 --> 00:54:24,680
Speaker 2: To push that energy.

1156
00:54:24,880 --> 00:54:27,879
Speaker 1: But here I can proactively say, I'm going to work

1157
00:54:27,880 --> 00:54:31,000
Speaker 1: on this law with Angela. I'm going to make it

1158
00:54:31,239 --> 00:54:37,239
Speaker 1: illegal for you to appraise someone's house lower because of

1159
00:54:37,280 --> 00:54:40,080
Speaker 1: their race or gender or anything else. And then I'm

1160
00:54:40,120 --> 00:54:43,480
Speaker 1: going to blast that law anywhere, so anywhere. Unfortunately, right

1161
00:54:43,480 --> 00:54:45,960
Speaker 1: now I'm only i only have access here to New Jersey.

1162
00:54:46,160 --> 00:54:48,400
Speaker 1: But I'm letting everyone know if your appraising, you'll come

1163
00:54:48,480 --> 00:54:50,759
Speaker 1: to the house and he on that bullshit, Okay, let

1164
00:54:50,880 --> 00:54:54,120
Speaker 1: him know. There's a long place. So think once, twice, thrice, Okay.

1165
00:54:54,400 --> 00:54:56,880
Speaker 1: So I just say there's a happy ending to things

1166
00:54:56,920 --> 00:54:59,440
Speaker 1: like like this that you know. I try not to

1167
00:54:59,440 --> 00:55:01,959
Speaker 1: focus on much on like the things that I can't

1168
00:55:02,080 --> 00:55:06,480
Speaker 1: change because it's it's overwhelming and it's it's counter productive

1169
00:55:06,480 --> 00:55:09,239
Speaker 1: for me. But Jared Kushner as well as Iced Tea

1170
00:55:09,239 --> 00:55:10,040
Speaker 1: are both idiots.

1171
00:55:10,800 --> 00:55:14,600
Speaker 3: See, I feel like they count on our and they

1172
00:55:14,600 --> 00:55:17,960
Speaker 3: count on our cynicism, they count on the you know,

1173
00:55:18,080 --> 00:55:20,080
Speaker 3: the like people in my neighborhood I mentioned, I live

1174
00:55:20,120 --> 00:55:22,600
Speaker 3: in a mostly black neighborhood. It's it's been here for

1175
00:55:22,880 --> 00:55:26,879
Speaker 3: since they're mid or sorry, the early nineteen hundreds of

1176
00:55:27,040 --> 00:55:30,560
Speaker 3: like one of the oldest middle class black neighborhoods in

1177
00:55:30,600 --> 00:55:34,560
Speaker 3: our county. And when I mentioned the fact that, you know,

1178
00:55:34,600 --> 00:55:37,960
Speaker 3: I was talking to our someone who's on the local

1179
00:55:38,000 --> 00:55:39,919
Speaker 3: town board, and I was saying, you know, I think

1180
00:55:39,960 --> 00:55:42,160
Speaker 3: this is why home values here are so low. He's like,

1181
00:55:42,160 --> 00:55:44,839
Speaker 3: oh yeah, oh yeah, who you're telling We know that.

1182
00:55:45,360 --> 00:55:47,919
Speaker 3: But it's it's almost like a joke. It's almost like, yeah,

1183
00:55:47,920 --> 00:55:49,880
Speaker 3: we know. That's just you know, that's the way it is.

1184
00:55:49,960 --> 00:55:52,360
Speaker 3: And I think people count on that. And and I

1185
00:55:52,400 --> 00:55:54,840
Speaker 3: think you're right, Tiffany, like we need they need, we

1186
00:55:54,920 --> 00:55:57,080
Speaker 3: need to have the energy. We need to talk to

1187
00:55:57,120 --> 00:55:59,680
Speaker 3: our local officials. You know, you're in Jersey, but this

1188
00:55:59,760 --> 00:56:03,000
Speaker 3: is how across the nation. So contact your local legislator,

1189
00:56:03,000 --> 00:56:06,200
Speaker 3: like contact they represent you. They're meant to. It's more

1190
00:56:06,239 --> 00:56:08,799
Speaker 3: convenient if we don't think that they do anything for us,

1191
00:56:08,840 --> 00:56:10,879
Speaker 3: because then we don't bother them with our phone calls

1192
00:56:10,880 --> 00:56:13,960
Speaker 3: and emails, you know. But I think we have to.

1193
00:56:14,040 --> 00:56:15,840
Speaker 3: We have to speak up and share our stories. And

1194
00:56:16,920 --> 00:56:18,719
Speaker 3: I think this is a really good example of that.

1195
00:56:18,840 --> 00:56:21,919
Speaker 3: Is when you find someone when those two things meet,

1196
00:56:21,960 --> 00:56:24,000
Speaker 3: so a citizen who has a story to share that

1197
00:56:24,120 --> 00:56:27,960
Speaker 3: is you know, blatant racism, systemic racism, You know, holding

1198
00:56:28,000 --> 00:56:31,920
Speaker 3: someone back from from financial success. And then you have

1199
00:56:32,160 --> 00:56:35,880
Speaker 3: a lawmaker who's willing to do the work, which is

1200
00:56:35,960 --> 00:56:38,520
Speaker 3: rare but shouldn't be. So yeah, I think that's a

1201
00:56:38,520 --> 00:56:40,440
Speaker 3: great like call to action tivity. If you have a

1202
00:56:40,480 --> 00:56:43,360
Speaker 3: story out there, something similar, maybe it's not at home appraise, well,

1203
00:56:43,360 --> 00:56:44,960
Speaker 3: maybe it's something else. Maybe you got denied for a

1204
00:56:45,000 --> 00:56:49,040
Speaker 3: small business loan or something like that, or you wanted

1205
00:56:49,080 --> 00:56:51,080
Speaker 3: to start a business and you were denied a permit

1206
00:56:51,160 --> 00:56:54,439
Speaker 3: for something. Contact your local officials and make a big

1207
00:56:54,440 --> 00:56:57,360
Speaker 3: stink about it. You know, don't let your cynicism be

1208
00:56:57,520 --> 00:56:58,080
Speaker 3: to their gain.

1209
00:56:59,000 --> 00:57:00,680
Speaker 1: And you know what we can and maybe it might

1210
00:57:00,680 --> 00:57:03,160
Speaker 1: be nice, honestly to have Because I did a live

1211
00:57:03,239 --> 00:57:06,080
Speaker 1: one time with Angela to talk about how do you

1212
00:57:06,080 --> 00:57:06,840
Speaker 1: get a law passed?

1213
00:57:06,840 --> 00:57:07,360
Speaker 2: And I said this.

1214
00:57:07,400 --> 00:57:09,840
Speaker 1: She was like, girl, if you think something is wrong,

1215
00:57:10,000 --> 00:57:11,840
Speaker 1: reach out to me. But she's like, it's not just me.

1216
00:57:12,480 --> 00:57:14,960
Speaker 1: So if you are like, hey, I don't like the

1217
00:57:14,960 --> 00:57:17,919
Speaker 1: fact that this is happening, you know, you can reach

1218
00:57:17,960 --> 00:57:19,240
Speaker 1: out to your local.

1219
00:57:20,400 --> 00:57:22,840
Speaker 2: Legislators and say, hey, what can we do?

1220
00:57:23,120 --> 00:57:25,280
Speaker 1: I would love honestly we might think about having her

1221
00:57:25,320 --> 00:57:27,760
Speaker 1: on so that way we can actionize people to say

1222
00:57:27,760 --> 00:57:28,800
Speaker 1: if something is wrong.

1223
00:57:29,320 --> 00:57:30,640
Speaker 2: Here's the type of people.

1224
00:57:30,640 --> 00:57:34,680
Speaker 1: There's assembly women, there's I don't know, like what other whoop,

1225
00:57:34,720 --> 00:57:36,520
Speaker 1: what other people you can reach out to get laws

1226
00:57:36,880 --> 00:57:38,880
Speaker 1: created and passed and all that kind of stuff. But

1227
00:57:39,560 --> 00:57:41,240
Speaker 1: I would love to have her on to walk us

1228
00:57:41,280 --> 00:57:43,640
Speaker 1: through the process of if something is wrong and you

1229
00:57:43,720 --> 00:57:46,440
Speaker 1: reach out to your assembly woman or whomever, and then

1230
00:57:46,480 --> 00:57:49,080
Speaker 1: this is the process. I think it would be because

1231
00:57:49,240 --> 00:57:53,320
Speaker 1: I want people to feel like they can do something,

1232
00:57:53,880 --> 00:57:56,240
Speaker 1: not just feel like they are a victim of but

1233
00:57:56,280 --> 00:58:00,480
Speaker 1: that know that there are other assembly women, not quite

1234
00:58:00,520 --> 00:58:03,440
Speaker 1: like Angela because she's amazing, but there are other people

1235
00:58:03,520 --> 00:58:07,160
Speaker 1: out there who want to know how to make this

1236
00:58:07,200 --> 00:58:10,280
Speaker 1: world better and they will put their energy in might

1237
00:58:10,360 --> 00:58:12,080
Speaker 1: behind it. So I think she might be like a

1238
00:58:12,120 --> 00:58:13,800
Speaker 1: great guest to have to talk about, like you know,

1239
00:58:14,600 --> 00:58:17,400
Speaker 1: you know, a political episode.

1240
00:58:18,320 --> 00:58:19,919
Speaker 2: Yeah, that sounds amazing. I love it.

1241
00:58:20,160 --> 00:58:23,600
Speaker 1: Yeah, because she's honestly, she's amazing. She just I've never

1242
00:58:23,600 --> 00:58:24,720
Speaker 1: seen anyone like Angela.

1243
00:58:24,800 --> 00:58:25,280
Speaker 2: She is more.

1244
00:58:25,320 --> 00:58:27,240
Speaker 1: I have to google it, but I think last time

1245
00:58:27,240 --> 00:58:29,840
Speaker 1: I checked, she was like the lawmaker in the last

1246
00:58:29,840 --> 00:58:32,120
Speaker 1: whatever number of years that has gotten more. Last passed,

1247
00:58:32,120 --> 00:58:34,640
Speaker 1: she got the crown law passed in New Jersey, which

1248
00:58:34,680 --> 00:58:37,040
Speaker 1: is means you can't be you can't be discriminated against

1249
00:58:37,440 --> 00:58:39,959
Speaker 1: because of your natural hair as a black and brown woman.

1250
00:58:40,160 --> 00:58:40,960
Speaker 2: She's amazing.

1251
00:58:41,040 --> 00:58:44,320
Speaker 1: So I just think she is a real advocate for

1252
00:58:44,360 --> 00:58:47,520
Speaker 1: this community and not just talk someone who was like, oh,

1253
00:58:47,560 --> 00:58:48,280
Speaker 1: you know, that's not right.

1254
00:58:48,320 --> 00:58:49,479
Speaker 2: You know what, it's been a long place.

1255
00:58:49,720 --> 00:58:52,720
Speaker 1: And knows how to navigate the system because getting a

1256
00:58:52,800 --> 00:58:55,040
Speaker 1: law pass is not easy. You can't just have your

1257
00:58:55,080 --> 00:58:59,600
Speaker 1: side agree. She knows how to present it in such

1258
00:58:59,600 --> 00:59:03,280
Speaker 1: a way that most more than just you know, she's

1259
00:59:03,280 --> 00:59:08,120
Speaker 1: a Democrat more than just the Democratic representation thinking like

1260
00:59:08,160 --> 00:59:10,240
Speaker 1: this is a good idea. So so yeah, I think

1261
00:59:10,240 --> 00:59:12,320
Speaker 1: that would be great. And actually I'll see how soon

1262
00:59:12,360 --> 00:59:13,960
Speaker 1: she could come on because it might be perfect for

1263
00:59:14,080 --> 00:59:17,960
Speaker 1: like the episode right after the election results to talk

1264
00:59:18,000 --> 00:59:20,919
Speaker 1: about depending on what happens, like here's what you still

1265
00:59:20,960 --> 00:59:21,880
Speaker 1: can do either way.

1266
00:59:22,080 --> 00:59:25,000
Speaker 3: You know, well, I'm really that sounds amazing. I really

1267
00:59:25,080 --> 00:59:27,640
Speaker 3: wanted to have the founders of this organization called Higher

1268
00:59:27,680 --> 00:59:29,360
Speaker 3: Heights on, So I don't know if you've heard about

1269
00:59:29,400 --> 00:59:31,840
Speaker 3: Higher Heights, but we can talk about it offline. But

1270
00:59:32,000 --> 00:59:33,640
Speaker 3: Higher Heights and even if you guys just want to

1271
00:59:33,640 --> 00:59:37,600
Speaker 3: do quick google, this is an organization that essentially, you know,

1272
00:59:37,680 --> 00:59:39,760
Speaker 3: kind of like Emily's List, but on a smaller scale

1273
00:59:39,760 --> 00:59:43,880
Speaker 3: for Black women especially and helping black women ascend and

1274
00:59:44,120 --> 00:59:47,200
Speaker 3: basically get elected. So they look for black women who

1275
00:59:47,240 --> 00:59:50,000
Speaker 3: are looking to get elected, looking to run for office,

1276
00:59:50,080 --> 00:59:54,040
Speaker 3: local office in their areas, and basically helps them. So

1277
00:59:54,640 --> 00:59:57,640
Speaker 3: they're a really really fantastic organization. And I love that idea.

1278
00:59:57,680 --> 01:00:01,480
Speaker 3: Maybe like a post election, you know, forget like I

1279
01:00:01,520 --> 01:00:02,560
Speaker 3: want Joe Biden to be.

1280
01:00:02,520 --> 01:00:03,480
Speaker 2: The last white guy.

1281
01:00:03,520 --> 01:00:05,400
Speaker 3: We have to look to save ourselves, you know, like

1282
01:00:05,440 --> 01:00:07,760
Speaker 3: they would be like I love Joe, but like let's

1283
01:00:07,800 --> 01:00:10,200
Speaker 3: figure out how to save ourselves and its organizations like

1284
01:00:10,280 --> 01:00:12,560
Speaker 3: Higher Heights. And there's other ones out there too, people

1285
01:00:12,600 --> 01:00:15,920
Speaker 3: like Angela what's her last name v and I'll be

1286
01:00:16,040 --> 01:00:20,640
Speaker 3: McKnight be McKnight. I almost said mcphe close. Angela Vie

1287
01:00:20,880 --> 01:00:23,280
Speaker 3: out there who are yeah making it happen. That's that's

1288
01:00:23,280 --> 01:00:25,320
Speaker 3: a good idea. Yeah, let's me.

1289
01:00:25,400 --> 01:00:30,240
Speaker 1: Yay power power to the people. So yeah, oh me, Well,

1290
01:00:30,240 --> 01:00:32,400
Speaker 1: I'm like, you know what we turned that you boost?

1291
01:00:32,720 --> 01:00:35,800
Speaker 1: I know, Okay, So I forgot. I'm like, okay, bye, guys. No,

1292
01:00:35,920 --> 01:00:38,680
Speaker 1: well my boost honestly, it's I'm excited. I was on

1293
01:00:38,680 --> 01:00:42,320
Speaker 1: Good Morning America for the very just.

1294
01:00:44,280 --> 01:00:46,960
Speaker 3: Girl. You alway watched all eight minutes and forty three seconds, yo,

1295
01:00:47,120 --> 01:00:48,400
Speaker 3: it was so crazy.

1296
01:00:48,680 --> 01:00:50,240
Speaker 1: So here's the thing about good work. I was on

1297
01:00:50,280 --> 01:00:52,560
Speaker 1: Good morn in America literally years ago for like two seconds.

1298
01:00:52,600 --> 01:00:54,480
Speaker 1: I think I asked a question. They were like looking

1299
01:00:54,480 --> 01:00:56,160
Speaker 1: for people to ask a question. I was like, I

1300
01:00:56,160 --> 01:00:58,320
Speaker 1: have a question I would have asked, but no, this

1301
01:00:58,360 --> 01:01:01,880
Speaker 1: time around, it was so special because, well, one there's

1302
01:01:01,920 --> 01:01:05,640
Speaker 1: a video Robin Roberts has. She's one of the main

1303
01:01:05,680 --> 01:01:08,880
Speaker 1: hosts of Good Morning America. She's got this production company

1304
01:01:08,920 --> 01:01:11,720
Speaker 1: called Rock and Robin, and she does something called Thriver

1305
01:01:11,880 --> 01:01:16,080
Speaker 1: Thursday where they find people that went through a difficult

1306
01:01:16,120 --> 01:01:18,600
Speaker 1: time and not only saw themselves through it, but helped

1307
01:01:18,640 --> 01:01:21,200
Speaker 1: other people as well. So she called them her Thrivers,

1308
01:01:21,200 --> 01:01:24,040
Speaker 1: and her production company reached out to me like almost

1309
01:01:24,080 --> 01:01:26,640
Speaker 1: a year ago and said we would love to feature you,

1310
01:01:26,680 --> 01:01:29,440
Speaker 1: and I was like, okay, But there was no guarantee

1311
01:01:29,440 --> 01:01:31,960
Speaker 1: for any sort of GMA anything, because Robin Roberts is,

1312
01:01:32,160 --> 01:01:34,720
Speaker 1: you know, she's her own separate person than Good Morning America.

1313
01:01:35,240 --> 01:01:37,120
Speaker 2: So as you know, they taped everywhere. They taped at

1314
01:01:37,160 --> 01:01:37,560
Speaker 2: my house.

1315
01:01:37,600 --> 01:01:40,320
Speaker 1: They taped my parents, they taped Angela, they taped my friends,

1316
01:01:40,320 --> 01:01:42,840
Speaker 1: they taped my sister, and so that they were putting

1317
01:01:42,840 --> 01:01:45,520
Speaker 1: together kind of like this is your life budget Tiffany

1318
01:01:45,560 --> 01:01:50,560
Speaker 1: to the budgetista, they said, Okay, pre COVID, we used

1319
01:01:50,560 --> 01:01:54,760
Speaker 1: to debut a clip of this thriver Thursday, typically like

1320
01:01:54,800 --> 01:01:58,960
Speaker 1: an eight minute video we typically debut debuted on GMA.

1321
01:01:59,120 --> 01:02:01,280
Speaker 1: But we're not going to do that because COVID anybody

1322
01:02:01,320 --> 01:02:03,040
Speaker 1: coming to the studio. You can't come to the studio.

1323
01:02:03,080 --> 01:02:05,280
Speaker 1: And I said, okay. You know what I said to myself,

1324
01:02:05,320 --> 01:02:07,120
Speaker 1: I'm grateful either way. And that's what I told them.

1325
01:02:07,280 --> 01:02:10,680
Speaker 1: I said, I'm grateful either way. And then two weeks

1326
01:02:10,720 --> 01:02:12,440
Speaker 1: before they said, okay, we think we are going to

1327
01:02:12,480 --> 01:02:14,840
Speaker 1: debut a clip, but no studio for you. And I said,

1328
01:02:15,040 --> 01:02:18,840
Speaker 1: that's fine. I'm grateful either way. And then like maybe

1329
01:02:18,920 --> 01:02:21,640
Speaker 1: like three days before or four days before, the producer

1330
01:02:21,760 --> 01:02:25,280
Speaker 1: was like, Tiffany, I've been telling them, Tiffany is not

1331
01:02:25,520 --> 01:02:28,520
Speaker 1: just like our Thrive for Thursday person. She also is

1332
01:02:28,600 --> 01:02:30,960
Speaker 1: a financial educator. Why don't we have her on to

1333
01:02:31,000 --> 01:02:33,680
Speaker 1: do a segment now? If you don't understand, doing a

1334
01:02:33,680 --> 01:02:37,280
Speaker 1: segment of Good Running America is like the Emmys, like,

1335
01:02:37,360 --> 01:02:39,840
Speaker 1: there is no bigger platform in the morning. They have

1336
01:02:40,080 --> 01:02:42,520
Speaker 1: the market they have the largest market share of viewers

1337
01:02:42,560 --> 01:02:45,520
Speaker 1: in the morning for this, like a newscast I guess

1338
01:02:45,520 --> 01:02:48,200
Speaker 1: what they call them, like three point five three point

1339
01:02:48,200 --> 01:02:50,080
Speaker 1: five to four million people watch every morning.

1340
01:02:50,360 --> 01:02:51,439
Speaker 2: So it's there.

1341
01:02:51,520 --> 01:02:54,280
Speaker 1: There's literally nothing bigger. And so when she said it,

1342
01:02:54,320 --> 01:02:56,960
Speaker 1: I was like what, oh, okay. She's like, send me,

1343
01:02:57,080 --> 01:02:58,960
Speaker 1: send me a segment that you'd like to do. And

1344
01:02:59,000 --> 01:03:00,960
Speaker 1: I was like, well, maybe waste thrived during a recession.

1345
01:03:00,960 --> 01:03:04,400
Speaker 1: But I told myself, well, regardless of what happens, I'm grateful.

1346
01:03:04,880 --> 01:03:06,880
Speaker 1: And so it was literally like two days before and

1347
01:03:06,920 --> 01:03:09,160
Speaker 1: it was like, okay, they agreed. I'm like, wait what.

1348
01:03:10,320 --> 01:03:12,800
Speaker 1: She was like, We're gonna do this segment, and I

1349
01:03:12,920 --> 01:03:13,560
Speaker 1: was just like.

1350
01:03:14,880 --> 01:03:16,720
Speaker 2: Makes sense. This was cary last minute.

1351
01:03:17,080 --> 01:03:19,880
Speaker 1: Yes, that's what I was having because I was like, okay,

1352
01:03:20,160 --> 01:03:22,160
Speaker 1: this is good, and I kept telling myself to me,

1353
01:03:22,240 --> 01:03:23,920
Speaker 1: this is amazing. But at the same time, I was like,

1354
01:03:25,520 --> 01:03:29,720
Speaker 1: you know, because it was it was it was twenty kittens,

1355
01:03:29,760 --> 01:03:32,480
Speaker 1: and I was like okay, and they were taping. They

1356
01:03:32,560 --> 01:03:34,400
Speaker 1: came to my house. I wasn't going into the studio

1357
01:03:35,160 --> 01:03:37,760
Speaker 1: because safety and COVID and we taped in the backyard

1358
01:03:38,160 --> 01:03:40,280
Speaker 1: and so now you know, I've got makeup and I've

1359
01:03:40,320 --> 01:03:43,840
Speaker 1: got like Thankfully, my sister Tracy, who styles me, had

1360
01:03:43,880 --> 01:03:46,000
Speaker 1: already had some like clothes from renting one because if

1361
01:03:46,000 --> 01:03:48,920
Speaker 1: you know me, I'm like a flobha bob. So luckily

1362
01:03:48,920 --> 01:03:50,640
Speaker 1: we had clothes in the house from rent and runway

1363
01:03:50,960 --> 01:03:54,680
Speaker 1: so I could look cute. But I was so freaked out.

1364
01:03:55,120 --> 01:04:00,000
Speaker 1: And it wasn't until the producer, her name is Danielle,

1365
01:04:00,000 --> 01:04:02,960
Speaker 1: shout out to Danielle like, you typically practice your segment.

1366
01:04:03,000 --> 01:04:04,640
Speaker 2: I'm assuming beforehand.

1367
01:04:04,680 --> 01:04:08,160
Speaker 1: And I was practicing with her and she was like, okay, Tiffany,

1368
01:04:08,600 --> 01:04:09,400
Speaker 1: I know you're nervous.

1369
01:04:09,440 --> 01:04:11,080
Speaker 2: I was like, you know, I'm just fine.

1370
01:04:12,080 --> 01:04:14,880
Speaker 1: She was like she said something to me that was

1371
01:04:14,920 --> 01:04:16,760
Speaker 1: just so powerful, and she said, this is your moment,

1372
01:04:17,920 --> 01:04:20,000
Speaker 1: this is it is a big deal, and it's okay

1373
01:04:20,000 --> 01:04:25,040
Speaker 1: to feel that, but I don't want you to allow

1374
01:04:25,080 --> 01:04:27,560
Speaker 1: your nervousness. She treated nervousness like it was like a person.

1375
01:04:27,960 --> 01:04:32,480
Speaker 1: I don't want you to allow nervousness to mess up

1376
01:04:32,520 --> 01:04:33,000
Speaker 1: your moment.

1377
01:04:33,400 --> 01:04:33,760
Speaker 2: She said.

1378
01:04:33,760 --> 01:04:36,040
Speaker 1: You can be nervous afterwards, you can throw up afterwards,

1379
01:04:36,080 --> 01:04:37,520
Speaker 1: you can do all that stuff. Afterwards, I want you

1380
01:04:37,600 --> 01:04:39,280
Speaker 1: to set it aside and I want you to meet

1381
01:04:39,320 --> 01:04:42,800
Speaker 1: your moment. You have worked so hard, you have put

1382
01:04:42,800 --> 01:04:45,200
Speaker 1: in the time and the effort, you've given so much,

1383
01:04:45,240 --> 01:04:48,640
Speaker 1: You've helped so many people. This is your moment, Tiffany,

1384
01:04:48,840 --> 01:04:50,760
Speaker 1: this is you getting back what you've put in.

1385
01:04:51,040 --> 01:04:53,120
Speaker 2: Meet your moment. When I tell you it was like

1386
01:04:53,480 --> 01:05:03,040
Speaker 2: it was like Rocky. I was like start saying, you

1387
01:05:03,080 --> 01:05:07,200
Speaker 2: know what you knows. I'm such a like, I'm such

1388
01:05:07,200 --> 01:05:10,760
Speaker 2: a do because I was thinking, like, what is that?

1389
01:05:10,800 --> 01:05:11,200
Speaker 2: What is that?

1390
01:05:11,520 --> 01:05:13,320
Speaker 1: The brave Heart where you had like the blue face.

1391
01:05:13,800 --> 01:05:15,720
Speaker 1: Bill Gibson, he was like.

1392
01:05:15,880 --> 01:05:17,760
Speaker 2: We ride. That's exactly how I felt.

1393
01:05:17,800 --> 01:05:21,320
Speaker 3: I was like, this is what not Kelly Clarkson crying

1394
01:05:21,360 --> 01:05:22,120
Speaker 3: on American I.

1395
01:05:22,040 --> 01:05:26,080
Speaker 1: Got it and so so literally I'm sitting in front

1396
01:05:26,080 --> 01:05:29,080
Speaker 1: of the camera because the way and it's so crazy

1397
01:05:29,120 --> 01:05:31,160
Speaker 1: because this is a setup. I used to complain every

1398
01:05:31,200 --> 01:05:32,520
Speaker 1: single Sunday because I would have to tape with my

1399
01:05:32,560 --> 01:05:36,000
Speaker 1: videographer Jermaine, and I would complain that like everybody else,

1400
01:05:36,040 --> 01:05:38,400
Speaker 1: cause have fun Sunday said, I have to tape every

1401
01:05:38,400 --> 01:05:40,640
Speaker 1: Sunday to tape these videos for dream Catchers and things

1402
01:05:40,680 --> 01:05:42,560
Speaker 1: like that. But it was the same setup, so I

1403
01:05:42,680 --> 01:05:44,840
Speaker 1: knew exactly where to look, I knew how to woosign.

1404
01:05:44,840 --> 01:05:45,560
Speaker 2: I was talk to myself.

1405
01:05:45,560 --> 01:05:48,200
Speaker 1: Thank God for like two years of doing this on

1406
01:05:48,240 --> 01:05:51,240
Speaker 1: Sundays with Jermaine. Because I know the setup, it's very familiar.

1407
01:05:51,280 --> 01:05:52,800
Speaker 1: I don't have to get used to it. I can

1408
01:05:52,880 --> 01:05:55,280
Speaker 1: look at the camera like it's a person, and literally

1409
01:05:55,320 --> 01:05:57,240
Speaker 1: I can hear Robin talking about me because you hear

1410
01:05:57,280 --> 01:06:01,200
Speaker 1: her introducing me, you hear my playing, so it was

1411
01:06:01,240 --> 01:06:03,840
Speaker 1: like a twofer. It was like we're talking about Tiffany

1412
01:06:03,840 --> 01:06:05,400
Speaker 1: and all the work she's done at the Bunjanista and

1413
01:06:05,440 --> 01:06:08,160
Speaker 1: helping women, and then Tiffany's coming on to do a segment.

1414
01:06:08,200 --> 01:06:10,600
Speaker 1: So that never happens with River Thursday, they don't have

1415
01:06:11,440 --> 01:06:14,840
Speaker 1: the person also do a segment and so you guys

1416
01:06:14,840 --> 01:06:17,560
Speaker 1: can watch it. I'm trying to think it's also it's

1417
01:06:17,600 --> 01:06:19,600
Speaker 1: on my ig. It's like a purple background, Like the

1418
01:06:19,600 --> 01:06:21,680
Speaker 1: full segment is on my IG, so you can go

1419
01:06:21,720 --> 01:06:22,200
Speaker 1: and watch it.

1420
01:06:22,600 --> 01:06:23,680
Speaker 3: But I.

1421
01:06:25,160 --> 01:06:28,240
Speaker 1: Did it, and like afterwards, I certainly wanted to faint,

1422
01:06:29,000 --> 01:06:31,880
Speaker 1: but I was just like, I didn't stutter, I didn't stumble.

1423
01:06:32,760 --> 01:06:37,000
Speaker 2: I got it out amazing. I thought it was pre taped. No,

1424
01:06:37,080 --> 01:06:38,760
Speaker 2: maybe that way because it was so good.

1425
01:06:39,400 --> 01:06:41,160
Speaker 1: Maybe when I tell you literally, I looked at the

1426
01:06:41,240 --> 01:06:44,120
Speaker 1: camera and I said, I'm putting the I literally visualized

1427
01:06:44,160 --> 01:06:46,760
Speaker 1: me taking the nervousness out of my body and setting

1428
01:06:46,760 --> 01:06:49,200
Speaker 1: it to the side, and I said, I'm meeting my moment.

1429
01:06:49,480 --> 01:06:50,880
Speaker 2: And then I picked it up properly after that, and

1430
01:06:50,880 --> 01:06:54,640
Speaker 2: I was like, the moment, the moment was like, nice

1431
01:06:54,640 --> 01:07:00,400
Speaker 2: to meet you, lady. So yeah, it just welcome to

1432
01:07:00,520 --> 01:07:02,919
Speaker 2: the next level. And that's how I felt.

1433
01:07:02,920 --> 01:07:04,920
Speaker 1: And then after that, the level the types of emails

1434
01:07:04,920 --> 01:07:07,360
Speaker 1: that were flooding into my inbox after that, it was,

1435
01:07:08,680 --> 01:07:09,800
Speaker 1: I mean, I just can't wait to share with you

1436
01:07:09,840 --> 01:07:11,320
Speaker 1: guys some of the stuff I'm a lot of about

1437
01:07:11,360 --> 01:07:15,200
Speaker 1: to say just yet. But it just was I needed

1438
01:07:15,200 --> 01:07:17,360
Speaker 1: that speech. But that's that's what I mean that, Like,

1439
01:07:17,400 --> 01:07:19,280
Speaker 1: I'm really grateful, don't get me wrong. And I'm like, oh, hell,

1440
01:07:19,360 --> 01:07:21,200
Speaker 1: I'm gonna cry. I'm really grateful, don't.

1441
01:07:21,080 --> 01:07:21,520
Speaker 2: Get me wrong.

1442
01:07:21,560 --> 01:07:24,720
Speaker 1: But it's just I'm used to the work. I'm not

1443
01:07:24,840 --> 01:07:27,240
Speaker 1: used to the reaping, you know. And so that's what

1444
01:07:27,320 --> 01:07:29,960
Speaker 1: I'm struggling with, Like I can so all day, like

1445
01:07:30,000 --> 01:07:33,360
Speaker 1: what work sowing? Sure, I'm a workhorse. I'll keep going, going, going,

1446
01:07:33,400 --> 01:07:37,400
Speaker 1: going going. But now it's like I'm not you know,

1447
01:07:37,400 --> 01:07:38,840
Speaker 1: as much as like with the budget, Lisa. You know,

1448
01:07:38,840 --> 01:07:40,720
Speaker 1: I know I'm on a platform, but I'm not. I'm

1449
01:07:40,720 --> 01:07:43,560
Speaker 1: not really used to and comfortable with the reaping. Like

1450
01:07:43,600 --> 01:07:46,920
Speaker 1: if you give me a compliment, I'm uncomfortable, you know.

1451
01:07:47,040 --> 01:07:48,640
Speaker 1: I as much as it seems like I'm not like

1452
01:07:48,640 --> 01:07:51,800
Speaker 1: a background person, I really am. I I like the work.

1453
01:07:52,120 --> 01:07:57,720
Speaker 1: So this happening is just like wait, what okay? So okay,

1454
01:07:57,840 --> 01:07:59,360
Speaker 1: just tell me what to do, what work to do?

1455
01:07:59,360 --> 01:08:01,680
Speaker 1: Tell me what how mony long hours to do. I'm

1456
01:08:02,000 --> 01:08:04,840
Speaker 1: That's what I've grown accustomed to, and I want to

1457
01:08:04,840 --> 01:08:08,600
Speaker 1: break free of that, like it is okay to it's

1458
01:08:08,640 --> 01:08:11,520
Speaker 1: okay to enjoy it exactly. And I don't know how

1459
01:08:11,560 --> 01:08:13,720
Speaker 1: to do that because how can I learn?

1460
01:08:13,800 --> 01:08:16,680
Speaker 2: What's your plan to learn? I figure no, I don't know.

1461
01:08:18,600 --> 01:08:21,000
Speaker 3: You need to figure it out quick, girl, I know.

1462
01:08:21,120 --> 01:08:22,959
Speaker 3: Because what have you been doing since Thursday?

1463
01:08:24,120 --> 01:08:27,240
Speaker 2: Working? Have you celebrated? Have you gone?

1464
01:08:27,560 --> 01:08:29,479
Speaker 3: I mean, I know it's COVID times, but I feel

1465
01:08:29,479 --> 01:08:34,200
Speaker 3: like a nice little dinner champagne, literally on champagne.

1466
01:08:34,280 --> 01:08:36,320
Speaker 1: I've been working on my book on Friday like I

1467
01:08:36,360 --> 01:08:39,120
Speaker 1: woke up Friday morning at seven am, and I worked

1468
01:08:39,360 --> 01:08:41,439
Speaker 1: all day Friday, all day Saturday, all day Sunday because

1469
01:08:41,439 --> 01:08:43,280
Speaker 1: I have to submit my book on Wednesday. I didn't

1470
01:08:43,280 --> 01:08:47,559
Speaker 1: even get literally Thursday was like okay, Friday, Saturday, Sunday.

1471
01:08:47,600 --> 01:08:49,519
Speaker 1: I mean, I actually worked more than I usually don't

1472
01:08:49,560 --> 01:08:52,160
Speaker 1: work on the weekends. Actually worked more than I normally do.

1473
01:08:52,280 --> 01:08:54,640
Speaker 1: And I'm like, tip to day, That's what I mean. Like,

1474
01:08:54,920 --> 01:08:56,519
Speaker 1: I don't want to look back at eighty and be like,

1475
01:08:56,560 --> 01:08:57,759
Speaker 1: you had all these amazing things.

1476
01:08:57,760 --> 01:08:59,599
Speaker 2: Girl, you can't even remember You're.

1477
01:08:59,640 --> 01:09:02,480
Speaker 3: Daddy and a bow tie was on Good Morning America

1478
01:09:02,960 --> 01:09:03,559
Speaker 3: telling the.

1479
01:09:03,479 --> 01:09:05,559
Speaker 2: World how proud of you he was.

1480
01:09:05,680 --> 01:09:10,559
Speaker 4: Get out of here, you need to be I don't

1481
01:09:10,640 --> 01:09:14,080
Speaker 4: even know how to celebrate, honestly, I do.

1482
01:09:14,200 --> 01:09:15,840
Speaker 1: I know I do therapists, and I've been saying this

1483
01:09:15,880 --> 01:09:18,000
Speaker 1: for like two years. Someone said they were gonna help me.

1484
01:09:18,040 --> 01:09:19,360
Speaker 1: I'm like, whoever that lady is who says she was

1485
01:09:19,400 --> 01:09:20,479
Speaker 1: gonna help me find the place?

1486
01:09:20,760 --> 01:09:22,839
Speaker 3: Do you want to borrow mine? Her name is Lauren,

1487
01:09:23,280 --> 01:09:25,240
Speaker 3: Because she and I talked about this all the time.

1488
01:09:25,600 --> 01:09:28,800
Speaker 3: I get very uncomfortable too. But you need to figure out.

1489
01:09:29,080 --> 01:09:31,360
Speaker 3: I mean, you have your own whatever makes you happiest.

1490
01:09:31,400 --> 01:09:34,360
Speaker 3: But I mean, and it's only going to get it

1491
01:09:34,439 --> 01:09:37,120
Speaker 3: sounds like it's only going to be more challenging moments

1492
01:09:37,240 --> 01:09:40,200
Speaker 3: of success ahead of you. And by challenging, I mean

1493
01:09:40,320 --> 01:09:42,639
Speaker 3: fun stuff that you have to get used to enjoying.

1494
01:09:42,800 --> 01:09:43,280
Speaker 2: You've got to.

1495
01:09:44,040 --> 01:09:45,559
Speaker 3: I think all of us could get better at that

1496
01:09:46,080 --> 01:09:48,880
Speaker 3: because if not, then like, what was the point of

1497
01:09:48,920 --> 01:09:53,680
Speaker 3: all the work? You know, the mountaintop is supposed to be.

1498
01:09:53,840 --> 01:09:56,559
Speaker 2: Is there a party up there? Cause we're all trying

1499
01:09:56,560 --> 01:09:57,120
Speaker 2: to get there.

1500
01:09:57,479 --> 01:10:00,720
Speaker 3: Imagine if we imagine if you you go to heaven

1501
01:10:00,760 --> 01:10:03,400
Speaker 3: and it's just like like a free sample at Costco,

1502
01:10:03,600 --> 01:10:05,600
Speaker 3: Like you.

1503
01:10:05,880 --> 01:10:07,559
Speaker 2: Like, so you want your little weenie on a stick?

1504
01:10:07,680 --> 01:10:10,360
Speaker 2: Or what what I was all of it for? We

1505
01:10:10,439 --> 01:10:12,920
Speaker 2: need to believe in something that's fun, you know, you

1506
01:10:12,920 --> 01:10:13,840
Speaker 2: need to enjoy it.

1507
01:10:14,160 --> 01:10:17,160
Speaker 1: Yeah, and and I want to, And you're right I

1508
01:10:17,360 --> 01:10:19,719
Speaker 1: said that. I'm like Tiffany, you need help learning how

1509
01:10:19,760 --> 01:10:22,920
Speaker 1: to enjoy. And I mean, obviously there's some fear back

1510
01:10:23,000 --> 01:10:25,840
Speaker 1: up there that maybe in the enjoyment it goes away.

1511
01:10:26,200 --> 01:10:28,400
Speaker 1: I've always been like I was like the kid who

1512
01:10:28,560 --> 01:10:30,880
Speaker 1: you know how people have like over expectation. I was

1513
01:10:30,880 --> 01:10:33,200
Speaker 1: always like no, I was low expectation queen, so I

1514
01:10:33,200 --> 01:10:35,800
Speaker 1: can never be disappointed. Like I'm like, oh, that's okay,

1515
01:10:35,840 --> 01:10:37,479
Speaker 1: I don't need any cupcakes because I'm probably not gonna

1516
01:10:37,479 --> 01:10:38,120
Speaker 1: get any anyway.

1517
01:10:38,200 --> 01:10:38,599
Speaker 2: That's okay.

1518
01:10:38,640 --> 01:10:40,360
Speaker 1: I don't need to celebrate my birthday because you probably

1519
01:10:40,360 --> 01:10:41,519
Speaker 1: not gonna give me a present anyway.

1520
01:10:41,680 --> 01:10:43,320
Speaker 2: Like that's always been my default, and.

1521
01:10:43,360 --> 01:10:46,920
Speaker 1: I'm like, it's such a bad habit, and so it

1522
01:10:47,320 --> 01:10:51,960
Speaker 1: was my middle child like thing like well, you know what,

1523
01:10:52,080 --> 01:10:54,000
Speaker 1: I'll just take the smaller room because my sister's gonna

1524
01:10:54,000 --> 01:10:57,200
Speaker 1: take the bigger room anyway. And so I want to

1525
01:10:57,280 --> 01:10:59,080
Speaker 1: break that habit and because I know I can't do

1526
01:10:59,120 --> 01:11:02,479
Speaker 1: by myself, because it's it's something I cultivated to protect

1527
01:11:02,680 --> 01:11:04,320
Speaker 1: me from being disappointed and hurt.

1528
01:11:04,560 --> 01:11:06,479
Speaker 2: But now it's keeping me from enjoying.

1529
01:11:06,920 --> 01:11:09,519
Speaker 3: And it's your Unicorn squad you need they Like I

1530
01:11:09,520 --> 01:11:12,320
Speaker 3: almost feel like, what if you frame it as it's

1531
01:11:12,320 --> 01:11:14,679
Speaker 3: not just me celebrating, I get to celebrate the people

1532
01:11:14,680 --> 01:11:17,240
Speaker 3: who helped build this, you know what I mean? Like,

1533
01:11:17,280 --> 01:11:20,400
Speaker 3: what if it's something for Unicorn, you and the Unicorn squad,

1534
01:11:21,120 --> 01:11:23,680
Speaker 3: you know, like you can celebrate easier to.

1535
01:11:23,640 --> 01:11:26,439
Speaker 1: See, Yeah, and you're right, and that makes it easier

1536
01:11:26,439 --> 01:11:28,919
Speaker 1: because then it's not just about me because we typically

1537
01:11:28,920 --> 01:11:31,120
Speaker 1: we do like a vacation every year with the Unicorn squad,

1538
01:11:31,120 --> 01:11:32,760
Speaker 1: and that's like our way to celebrate each other. But

1539
01:11:32,800 --> 01:11:35,600
Speaker 1: we haven't you know, COVID. But no, I'm gonna but

1540
01:11:35,640 --> 01:11:38,639
Speaker 1: I'm serious. I do want a therapist because I want

1541
01:11:38,640 --> 01:11:40,760
Speaker 1: to work through this and I don't take enough time

1542
01:11:40,800 --> 01:11:43,960
Speaker 1: to like, like, look for myself.

1543
01:11:44,360 --> 01:11:46,280
Speaker 2: The first on your to do list, it is, it

1544
01:11:46,360 --> 01:11:47,679
Speaker 2: needs to be first on my to do list.

1545
01:11:47,920 --> 01:11:50,680
Speaker 1: So because yeah, so there was somebody who emailed me

1546
01:11:50,680 --> 01:11:52,719
Speaker 1: who said she would help, and I say, I forgot

1547
01:11:52,720 --> 01:11:55,000
Speaker 1: I can't find her email because then my pile of emails.

1548
01:11:55,240 --> 01:11:58,240
Speaker 1: But sis right, reach back out or anybody else that

1549
01:11:58,320 --> 01:12:00,479
Speaker 1: because I know I need one ASA because I want

1550
01:12:00,520 --> 01:12:01,080
Speaker 1: to unlock this.

1551
01:12:01,160 --> 01:12:01,720
Speaker 2: I want to.

1552
01:12:01,960 --> 01:12:03,639
Speaker 1: And the thing is, I don't want you to think like, damn,

1553
01:12:03,680 --> 01:12:06,439
Speaker 1: Timmy don't enjoy her life. I do, Like honestly, I

1554
01:12:06,479 --> 01:12:08,280
Speaker 1: have an amazing husband. I see my niece and my

1555
01:12:08,280 --> 01:12:10,639
Speaker 1: nephew at least every other day. I have a great

1556
01:12:10,680 --> 01:12:13,200
Speaker 1: relationship with my sisters, my parents, and I are finally

1557
01:12:13,240 --> 01:12:15,200
Speaker 1: on a really good like I was like kind of

1558
01:12:15,200 --> 01:12:17,400
Speaker 1: the wild child, So we're in a really good space.

1559
01:12:17,439 --> 01:12:18,439
Speaker 2: With my mom and my dad.

1560
01:12:18,600 --> 01:12:21,120
Speaker 1: So that part of my life, the Tiffany part of

1561
01:12:21,120 --> 01:12:22,559
Speaker 1: my life, I am enjoying.

1562
01:12:22,880 --> 01:12:25,040
Speaker 2: But I don't know how to enjoy the budget Nissa

1563
01:12:25,200 --> 01:12:25,719
Speaker 2: kind of part.

1564
01:12:25,960 --> 01:12:29,120
Speaker 1: That's the part I'm struggling with, not me as Tiffany,

1565
01:12:29,160 --> 01:12:32,479
Speaker 1: but certainly me as the Budgetnisa. I just I just

1566
01:12:32,600 --> 01:12:35,679
Speaker 1: work when it comes to there, but I don't reap

1567
01:12:35,760 --> 01:12:39,040
Speaker 1: when it comes to the Budgetia, I just sow. So yeah,

1568
01:12:39,040 --> 01:12:41,200
Speaker 1: I would love assistance in that, but no, thank you

1569
01:12:41,200 --> 01:12:42,760
Speaker 1: for that many because you're right. My friend Avida told

1570
01:12:42,760 --> 01:12:44,200
Speaker 1: me the same thing. She says she's going to check

1571
01:12:44,240 --> 01:12:45,640
Speaker 1: in with me in a week to see where my

1572
01:12:45,640 --> 01:12:48,360
Speaker 1: progress is. And she said, Tiffany, I'm not letting this go.

1573
01:12:48,439 --> 01:12:50,360
Speaker 1: You're crying on the phone with me because you were

1574
01:12:50,400 --> 01:12:51,160
Speaker 1: on goment in America.

1575
01:12:51,160 --> 01:12:53,519
Speaker 2: You did a good job. You need you need a therapist.

1576
01:12:54,439 --> 01:12:56,320
Speaker 3: You need a therapist, And I'm sorry I didn't check

1577
01:12:56,360 --> 01:12:57,680
Speaker 3: in with you this week. And I just thought you

1578
01:12:57,720 --> 01:13:00,160
Speaker 3: were out, like I don't know, I just thought your

1579
01:13:00,200 --> 01:13:02,800
Speaker 3: own way. You were just either taking a big ass

1580
01:13:02,920 --> 01:13:05,760
Speaker 3: nap and didn't want to be bothered, you know, or

1581
01:13:05,880 --> 01:13:08,040
Speaker 3: it was celebrating in some shape or fashion.

1582
01:13:09,320 --> 01:13:11,240
Speaker 1: Now I was sitting in a chair doing work for

1583
01:13:11,320 --> 01:13:14,280
Speaker 1: like ten hours streat every day five years.

1584
01:13:14,320 --> 01:13:17,479
Speaker 3: You think I would have known you by now. Well,

1585
01:13:17,560 --> 01:13:19,880
Speaker 3: I'm so proud of you. And you did them. I

1586
01:13:19,920 --> 01:13:25,439
Speaker 3: mean you did exceptionally, exceptionally, you know, And I want

1587
01:13:25,439 --> 01:13:27,200
Speaker 3: this for myself and every other woman because I think

1588
01:13:27,240 --> 01:13:27,920
Speaker 3: it's something that we all.

1589
01:13:28,120 --> 01:13:28,839
Speaker 2: It's universal.

1590
01:13:29,800 --> 01:13:32,200
Speaker 3: You put your head down, you work so hard, and

1591
01:13:32,360 --> 01:13:35,080
Speaker 3: when you get there, it's like the adrenaline is still pumping,

1592
01:13:35,080 --> 01:13:36,800
Speaker 3: the fight or flight is still there and you haven't

1593
01:13:36,800 --> 01:13:41,000
Speaker 3: really let it sink in yet. Well, I know you'll

1594
01:13:41,000 --> 01:13:44,160
Speaker 3: get there. Like everything else, you will figure this out

1595
01:13:44,400 --> 01:13:46,920
Speaker 3: and have a party, buy yourself something nice. I don't know,

1596
01:13:47,000 --> 01:13:50,960
Speaker 3: book a vacation for next year. Tell the universe, you

1597
01:13:51,000 --> 01:13:52,639
Speaker 3: tell the Unicorn's glad to come up with their own

1598
01:13:52,640 --> 01:13:55,479
Speaker 3: crazy ideas. How should we celebrate? Yeah, and then just

1599
01:13:55,560 --> 01:13:57,479
Speaker 3: pick the one that sounds the best. There's got to

1600
01:13:57,520 --> 01:14:01,360
Speaker 3: be something fun. Come on air balloon right, I don't.

1601
01:14:01,280 --> 01:14:02,680
Speaker 1: Know that would be Honestly, I do want to go

1602
01:14:02,680 --> 01:14:04,439
Speaker 1: on to hot air balloon right. South Jersey has like

1603
01:14:04,520 --> 01:14:06,640
Speaker 1: because I mean I've been on one to know a.

1604
01:14:08,640 --> 01:14:15,000
Speaker 2: No, no, Hey, you don't like hugs, you like massages.

1605
01:14:15,320 --> 01:14:19,160
Speaker 1: I do like massages, and then I don't like hugs,

1606
01:14:19,240 --> 01:14:20,320
Speaker 1: just a little uncomfortable.

1607
01:14:21,439 --> 01:14:24,240
Speaker 3: A nice massage. Yeah, just do the whole birthday weekend

1608
01:14:24,280 --> 01:14:25,880
Speaker 3: again with Superman. Do something nice.

1609
01:14:25,960 --> 01:14:28,080
Speaker 1: Yeah that was awesome, like birthday weekend. But yeah no,

1610
01:14:28,160 --> 01:14:29,640
Speaker 1: but thank you for that, man, because you're right. I

1611
01:14:29,640 --> 01:14:31,880
Speaker 1: know I'm gonna get so many acts on install it,

1612
01:14:32,560 --> 01:14:33,200
Speaker 1: like tweets like.

1613
01:14:33,160 --> 01:14:35,360
Speaker 2: Tivin ain't girl, I'm gonna shake you. It's okay. I

1614
01:14:35,520 --> 01:14:37,519
Speaker 2: welcome it from our myur BA cousins.

1615
01:14:38,439 --> 01:14:40,680
Speaker 1: It's I like being confronted and shaken up and then

1616
01:14:40,760 --> 01:14:43,000
Speaker 1: like girl, we're not gonna let you pretend like ain't

1617
01:14:43,040 --> 01:14:46,960
Speaker 1: nothing happen. So I welcome your tweets, and but I honestly,

1618
01:14:47,080 --> 01:14:49,640
Speaker 1: I'm being honest, like if you I know there's like

1619
01:14:49,680 --> 01:14:52,760
Speaker 1: black girl, but honestly, keep me accountable because I will

1620
01:14:52,760 --> 01:14:55,360
Speaker 1: get lazy with my own self, like honestly, Mandy and

1621
01:14:55,400 --> 01:14:57,880
Speaker 1: even like listeners like finding a therapist. I've been talking

1622
01:14:57,880 --> 01:15:00,400
Speaker 1: about it for like two maybe five years, because we've

1623
01:15:00,400 --> 01:15:02,599
Speaker 1: been doing BA for how long, and I don't want

1624
01:15:02,600 --> 01:15:04,640
Speaker 1: to be lazy about myself anymore.

1625
01:15:05,640 --> 01:15:08,559
Speaker 3: Put yourself first is what my psychiatrist told me when

1626
01:15:08,560 --> 01:15:11,439
Speaker 3: I was calling her from the laundry room floor in

1627
01:15:11,520 --> 01:15:16,240
Speaker 3: my house on Friday. Put yourself first, top of the

1628
01:15:16,240 --> 01:15:16,840
Speaker 3: to do list.

1629
01:15:17,600 --> 01:15:18,280
Speaker 2: But congrats.

1630
01:15:18,320 --> 01:15:21,840
Speaker 3: It was amazing. You look beautiful, sounded amazing. Your story

1631
01:15:21,880 --> 01:15:22,400
Speaker 3: is amazing.

1632
01:15:25,800 --> 01:15:34,000
Speaker 1: It's moments like this that's what's going on by.

1633
01:15:35,880 --> 01:15:36,760
Speaker 2: Movie. But you know what I mean.

1634
01:15:37,479 --> 01:15:41,519
Speaker 3: All Right, Well, I gotta get upstairs to my angry husband.

1635
01:15:42,560 --> 01:15:45,000
Speaker 2: Adorable child. I was gonna say, and happy baby. I

1636
01:15:45,040 --> 01:15:47,880
Speaker 2: love Rio. He's so cute. He's so cute. I know,

1637
01:15:48,120 --> 01:15:50,479
Speaker 2: let me go sweep and that hair. I'm like, I can't.

1638
01:15:51,520 --> 01:15:53,160
Speaker 3: All right, Tip, have a good rest your night. Go

1639
01:15:53,160 --> 01:15:55,160
Speaker 3: figure out how you're gonna celebrate, Okay, all right,