WEBVTT - Ep 240 - Put Your Money Mask On

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<v Speaker 1>Mandra, Do you know what I need? I need to

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<v Speaker 1>walk in these streets in my BA swag. You know

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<v Speaker 1>what I'm really looking forward to? First of all, be

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<v Speaker 1>your own Brown Boost. What an awesome phrase. I cannot

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<v Speaker 1>wait to wear that on my chest like Superman. What

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<v Speaker 1>I'm really excited for, though, is I am a sweatshirt

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<v Speaker 1>and like hoodie girl. So the classic Brown Ambition logo

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<v Speaker 1>sweatshirt has my name all over it.

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<v Speaker 2>But where can I go? Where can I find it?

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<v Speaker 3>I was hoping you would ask Young Tiffany. Tiffany, get

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<v Speaker 3>your Brown Ambition swag at Brown Ambitionstore dot com. Five

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<v Speaker 3>years in the game, we finally have merch for you guys.

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<v Speaker 3>So get your Brown Ambition hoodie, your Brown Ambition crew

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<v Speaker 3>neck tea, get a onesie for your littles. We got

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<v Speaker 3>toddler teas. Oh my goodness, there's something for everyone. Be

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<v Speaker 3>your own Brown Boost T shirt for sure. We have

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<v Speaker 3>a Brown Ambition mug, which my family is most excited about.

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<v Speaker 3>I had to do the fifteen out size for my

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<v Speaker 3>big sister because she drinks coffee Like nobody's business.

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<v Speaker 2>Oh you know, I'm the budgetish to write any special offer.

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<v Speaker 3>Oh I'm also very glad you asked that question, Tiffany. Yes,

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<v Speaker 3>with Brown Ambition fifteen. That's promo code Brown Ambition fifteen

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<v Speaker 3>all one word, you can get fifteen percent off your

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<v Speaker 3>order at Brown ambitionstore dot com.

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<v Speaker 1>I can't wait to see y'all in these BA streets

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<v Speaker 1>repping bapam with your BA swag.

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<v Speaker 3>Hey, Hey we're back, We're black, We're Brown Ambition.

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<v Speaker 2>Hey, Pandla, how are you? Hey? Tiff doing good hanging

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<v Speaker 2>in there? Eight more days?

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<v Speaker 3>I know my math right for Wednesday. I don't know

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<v Speaker 3>it's Monday, right now? Do the math very now?

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<v Speaker 2>Six more days you're listening to this? Oh my god.

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<v Speaker 1>No, I am not happy with Superman because I had

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<v Speaker 1>my paper ballots. I ordered it ahead of time. I

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<v Speaker 1>had it, and he decided he was going to quote

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<v Speaker 1>unquote help me because I told myself I wasn't gonna

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<v Speaker 1>put it in the envelope and lick it and whatever

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<v Speaker 1>until I was really sure I did what I was

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<v Speaker 1>supposed to do because I didn't want to make any mistakes.

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<v Speaker 1>So he had not feeled out his ballad, so he

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<v Speaker 1>saw mine next to his and decided, I'm gonna help

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<v Speaker 1>Tiphany out and put her ballad inside her envelope and

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<v Speaker 1>lick it, and he.

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<v Speaker 2>Why did they try to be helpful? No, honestly I was.

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<v Speaker 1>I didn't know whether to laugh or scream. I was like,

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<v Speaker 1>why did you watch you touch my ovelop? He's like,

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<v Speaker 1>and then he was like he was all chill a

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<v Speaker 1>bat like, oh my babbabe, I thought i'd put your

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<v Speaker 1>own ballot and an envelope.

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<v Speaker 2>I didn't. It's empty, but I lickd it so it's closed.

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<v Speaker 3>Oh so there was nothing in it? He says, an

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<v Speaker 3>empty ballot?

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<v Speaker 1>Yes, And I said, sir, He's like, we could just

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<v Speaker 1>get you another one. That's how that works. That side,

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<v Speaker 1>that's not how So now I'm trying to see, like

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<v Speaker 1>what early voting looks like Jersey, if there's a place

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<v Speaker 1>to go, or if I'm just gonna have to go

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<v Speaker 1>vote on election day? Yay dot com his ballot is?

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<v Speaker 1>I mean, I said, why touch mine? Why not mess

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<v Speaker 1>up yours?

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<v Speaker 2>You know?

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<v Speaker 1>So yeah, he's like, I mean, I I'm sorry. So

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<v Speaker 1>I was just literally ragging him about it again this

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<v Speaker 1>morning because he did it like like a couple of

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<v Speaker 1>days ago.

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<v Speaker 2>But I mean, it is what it is. I mean,

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<v Speaker 2>I'm going to vote I have to vote.

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<v Speaker 1>It is not an option, but I just definitely was

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<v Speaker 1>like excited that I could, you know, just like drop it.

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<v Speaker 1>I wasn't even gonna drop it in the mailbox. I

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<v Speaker 1>was going to drop it in like the special voting

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<v Speaker 1>you know boxes. Yea to be on the super safe side.

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<v Speaker 1>So those dreams are shattered.

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<v Speaker 3>So you know, he might have just cost you hours

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<v Speaker 3>of your life because exactly, it took me four hours

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<v Speaker 3>to vote early yesterday in my county.

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<v Speaker 2>But you can go to iwill Vote dot com. Is

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<v Speaker 2>it dot com or dot org?

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<v Speaker 3>I think it's dot com and they have all the

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<v Speaker 3>information about voting early. I didn't realize this is a

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<v Speaker 3>new thing for New York. I'm in New York state,

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<v Speaker 3>you're in Jersey. But in New York they this was

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<v Speaker 3>like the first election I don't know about ever, but

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<v Speaker 3>definitely not in twenty sixteen. You couldn't vote early. It

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<v Speaker 3>just seems so basic, you know, giving us the option

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<v Speaker 3>to vote a little bit early. But everybody and their

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<v Speaker 3>mama went to vote this weekend, and there weren't that

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<v Speaker 3>many locations to vote early. And I saw the line

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<v Speaker 3>and I was like, may, okay, maybe two hours I

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<v Speaker 3>had my little book and had some podcasts lined up.

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<v Speaker 3>I went with all my broad ambition swag because I

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<v Speaker 3>was like, this is like free advertising. They're all going

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<v Speaker 3>to be sticking, you know how.

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<v Speaker 2>You have nothing to do, but people watch, like even

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<v Speaker 2>if they don't say anything, they're going to see our

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<v Speaker 2>logo anyway.

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<v Speaker 3>So I was rocking my BA swag and four hours

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<v Speaker 3>later I finally finally got to vote.

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<v Speaker 2>I hope it is not that long for you. I

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<v Speaker 2>really do, yes, I mean, how may we'll see? I

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<v Speaker 2>shall see, yeah, I mean I hopefully.

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<v Speaker 1>I mean I've been I voted there for like the

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<v Speaker 1>last like well two years or whatever, so it hasn't

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<v Speaker 1>been crazy. The last time I voted, like in the

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<v Speaker 1>midterm elections, it wasn't too too bad. I'm just hoping that,

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<v Speaker 1>you know, I'll go there super early and then you know,

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<v Speaker 1>it is what it is. Either way I'm doing. There's

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<v Speaker 1>no yep, it's no differens or bucks. And I think

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<v Speaker 1>I'm actually going to drag him be like, oh no,

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<v Speaker 1>you're standing with me. I know you would be paper

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<v Speaker 1>valid You're coming.

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<v Speaker 2>That is too funny.

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<v Speaker 3>I posted on Insta in Twitter about the four hour

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<v Speaker 3>wait and the like The most common comment I got was, oh,

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<v Speaker 3>the poor You know, people who are elderly, are disabled,

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<v Speaker 3>they have to wait that longe can't believe that, Actually

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<v Speaker 3>they don't at least I mean, I think this is

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<v Speaker 3>pretty standard for all polling locations. But if you are

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<v Speaker 3>disabled or you have an elderly relative, don't let them

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<v Speaker 3>think that they have to stand up and wait, because

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<v Speaker 3>I know that will dissuade a lot of elderly voters

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<v Speaker 3>from going. You can easily skip the line and are

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<v Speaker 3>pulling the location. They had a separate line for the elderly,

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<v Speaker 3>disabled or even immuno suppressed. So if you have you know, diabetes,

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<v Speaker 3>a heart condition, asthma, some kind of respiratory you know problem,

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<v Speaker 3>tell the poll workers that you have a condition and

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<v Speaker 3>skip the line. Like do it, because I was just

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<v Speaker 3>worried that my posting that it took four hours would potentially,

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<v Speaker 3>you know, convince people maybe not to go because they

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<v Speaker 3>don't have the time. And frankly, it's really fucked up

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<v Speaker 3>that it took four hours because you know what, a

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<v Speaker 3>lot of people don't have the time. They don't have

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<v Speaker 3>a spouse to watch the baby, or they have to

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<v Speaker 3>work or the you know, even the polling hours at

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<v Speaker 3>the location I went to were short. They were like

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<v Speaker 3>five hours, twelve to five. If you couldn't make it,

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<v Speaker 3>Oh well, you know, and this is the way it is,

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<v Speaker 3>and it sucks. These are signs of voter suppression. I

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<v Speaker 3>just hope that. I hope that things get better. I

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<v Speaker 3>just wanted to clarify that in case anyone was feeling

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<v Speaker 3>like they did not want to spend all that time

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<v Speaker 3>in line.

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<v Speaker 2>Oh yeah, it's worth it, Like literally, it's so worth it.

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<v Speaker 1>I mean, I've all, you know, elections always feel a

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<v Speaker 1>little bit anxious, but obviously this is more anxious than

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<v Speaker 1>anything any other elections.

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<v Speaker 2>You know, It's so crazy.

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<v Speaker 1>I've never seen this push for voting ever in my

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<v Speaker 1>I don't even know what. Twenty years or twenty something

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<v Speaker 1>years of being able to vote everywhere you turn, it's like.

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<v Speaker 2>Okay, vote those who forget to vote. Now everywhere you

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<v Speaker 2>I mean everywhere you go.

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<v Speaker 1>You can't be on Instagram, you can't be on Facebook,

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<v Speaker 1>you can't be on stuff, you can't tick talk, you

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<v Speaker 1>can't anything without it being like, so I vote it.

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<v Speaker 3>So that I wish I could tell Mark Zuckerberg, I

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<v Speaker 3>did it leave me alone?

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<v Speaker 2>Now it's like pop ups. Yeah, oh my god, it's

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<v Speaker 2>good though.

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<v Speaker 3>I the it's you know, it did have this Like

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<v Speaker 3>I was a little pissed because I got there early

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<v Speaker 3>and I waited four hours and it was about an out,

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<v Speaker 3>like three hours into my four hour wait when like

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<v Speaker 3>the mister's the mister softy truck pulled up, and then

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<v Speaker 3>the barbecue truck pulled up, and I was like, oh,

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<v Speaker 3>now you're gonna have a party when I'm almost done.

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<v Speaker 3>Like it was, it was pretty funny. People started playing music.

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<v Speaker 3>It felt like it really. I mean, I'm a little

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<v Speaker 3>uncomfortable talking to people at the polls because I don't I.

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<v Speaker 2>Just don't want to.

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<v Speaker 3>I take it seriously that you're not supposed to influence

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<v Speaker 3>or try to influence anyone before you go vote. It

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<v Speaker 3>just to me, it's like a sacred process. I don't

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<v Speaker 3>want and but people work pretty loudly, like and I

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<v Speaker 3>come from a progressive county, so people were pretty you know,

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<v Speaker 3>bashing Trump blatantly in the line anyway, but it felt

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<v Speaker 3>very like festive and that was nice. It's nice to

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<v Speaker 3>see that people are doing it genuinely because they're excited

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<v Speaker 3>to exercise their right to vote. Yes, it's the It's

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<v Speaker 3>the biggest thing you can do.

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<v Speaker 2>It is the biggest thing you can do right now.

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<v Speaker 2>I mean, and just at the end of the day,

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<v Speaker 2>you know, oh what.

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<v Speaker 3>I just realized the next time we're well, no, we're

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<v Speaker 3>going to record before election day? Okay, how are we

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<v Speaker 3>going to do that. We're gonna We're going to be

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<v Speaker 3>recording in a different world than I know the Wednesday after. Okay,

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<v Speaker 3>we'll figure it out on Monday.

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<v Speaker 2>My heart just felt like, am I gonna talk to

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<v Speaker 2>you before what?

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<v Speaker 3>I know?

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<v Speaker 2>I know it is going to be like.

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<v Speaker 3>Listen, I need some serious I had to call my

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<v Speaker 3>my my shrink do they call them shrinks whatever, call

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<v Speaker 3>my therapist, and I was like, the stress dreams are returned.

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<v Speaker 3>Learning my anxiety is like it's creeping back up there

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<v Speaker 3>all because of this damn election.

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<v Speaker 2>It's just the anticipation. Yeah, yeah, I've just been so.

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<v Speaker 1>Busy and it's just been like definitely stuff on the

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<v Speaker 1>Budgetissa's front has definitely like ticked up. So it's just

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<v Speaker 1>been like overwhelming, overwhelming, over I actually had I was like,

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<v Speaker 1>is this a panic attack? And I actually called my

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<v Speaker 1>friend a Vida and I saw her. She had posted

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<v Speaker 1>on her Instagram. They're like, Oh, I'm in the most

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<v Speaker 1>beautiful place in the world, Vita, and she's opened about it,

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<v Speaker 1>so I can share a Vita is the founder of

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<v Speaker 1>No Madness, which is a black travel movement, and she's

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<v Speaker 1>amazing and so, but she's opened about her therapy and

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<v Speaker 1>then her bouts with anxiety. And I saw that she

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<v Speaker 1>was in Bermuda scouting out locations for their next conference

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<v Speaker 1>in like a year or so, and she was sharing

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<v Speaker 1>that how even though she's in this beautiful place, that

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<v Speaker 1>she had in an anxiety attack. So it made me

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<v Speaker 1>reach out to her and I was like, I think

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<v Speaker 1>that's what. I don't know if it was an anxiety attack

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<v Speaker 1>or I was just feeling anxious. I felt so overwhelmed

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<v Speaker 1>and then like really teary. I just kept like bursting

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<v Speaker 1>into tears, and I'm like.

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<v Speaker 2>What's going on to me? Because it was, I mean,

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<v Speaker 2>nothing bad.

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<v Speaker 1>I mean aside from you know, the world was on fire,

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<v Speaker 1>but I'm talking about as far as internally it was happening.

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<v Speaker 1>Like it's not like anyone is sick. If anything, I've

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<v Speaker 1>actually felt you know what it felt like. I felt

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<v Speaker 1>like I told somebody that I really like kittens, and

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<v Speaker 1>then they gave me thirty in that case, yes, like

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<v Speaker 1>you know, it just felt so over like it's a

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<v Speaker 1>good thing, but I don't I don't know that I

0:10:36.800 --> 0:10:38.000
<v Speaker 1>can manage all these good things.

0:10:38.000 --> 0:10:39.760
<v Speaker 2>It's just too much. It's and I don't want to

0:10:39.800 --> 0:10:40.520
<v Speaker 2>even say too much.

0:10:40.520 --> 0:10:42.520
<v Speaker 1>And then if I'm not being grateful, I just so

0:10:42.559 --> 0:10:43.920
<v Speaker 1>I just it was like every ten minutes, I feel

0:10:43.960 --> 0:10:44.960
<v Speaker 1>like I was bursting into tears.

0:10:44.960 --> 0:10:47.319
<v Speaker 2>I'm like, it's pretty I think this is anxiety.

0:10:49.679 --> 0:10:52.480
<v Speaker 1>I called the beat it and she said, well, how

0:10:52.520 --> 0:10:54.160
<v Speaker 1>do you know if you're I told her, I think

0:10:54.200 --> 0:10:56.560
<v Speaker 1>I'm having an anxiety attack, and she's like, well, what

0:10:56.640 --> 0:10:58.160
<v Speaker 1>makes you think that, I said, because I'm crying right now.

0:10:58.200 --> 0:11:01.880
<v Speaker 2>I'm crying right now. What we're talking. It's just like, oh, okay,

0:11:03.000 --> 0:11:06.760
<v Speaker 2>so yeah, I mean so, And I realized it was

0:11:06.960 --> 0:11:07.240
<v Speaker 2>just me.

0:11:07.559 --> 0:11:10.560
<v Speaker 1>It was not just but it was definitely feeling overwhelmed

0:11:10.559 --> 0:11:12.920
<v Speaker 1>because as I started to take things off my plate,

0:11:13.000 --> 0:11:14.640
<v Speaker 1>like there are some things that were upcoming that would

0:11:14.640 --> 0:11:17.360
<v Speaker 1>do so as I started to complete those things, I

0:11:17.400 --> 0:11:21.680
<v Speaker 1>felt like with each thing done, I felt better. And

0:11:21.760 --> 0:11:24.280
<v Speaker 1>it's just like a reminder to me to like take

0:11:24.320 --> 0:11:27.360
<v Speaker 1>a moment or to learn the stagger thing, because like

0:11:27.400 --> 0:11:29.280
<v Speaker 1>I said, it was good things, but it was just

0:11:29.480 --> 0:11:34.080
<v Speaker 1>so many things that I couldn't even I mean there's

0:11:34.080 --> 0:11:36.280
<v Speaker 1>only like I love chocolate cookies, but there's only so

0:11:36.360 --> 0:11:37.960
<v Speaker 1>much you can eat before you make yourself sick. And

0:11:37.960 --> 0:11:40.760
<v Speaker 1>I felt like, Okay, I'm on cookie number five and

0:11:40.800 --> 0:11:43.520
<v Speaker 1>I think I'm feeling ill. And so yeah, so I

0:11:43.520 --> 0:11:47.360
<v Speaker 1>don't know, do you You've shared you've gotten anxiety attacks before, right.

0:11:47.280 --> 0:11:50.600
<v Speaker 3>Oh, I mean I've always been I've coped with anxiety

0:11:50.600 --> 0:11:52.360
<v Speaker 3>in my whole life. Like I remember being a little

0:11:52.440 --> 0:11:55.600
<v Speaker 3>kid and not being able to sleep, and as an adult,

0:11:55.640 --> 0:11:57.720
<v Speaker 3>I can recognize, oh, I was a super anxious child.

0:11:57.800 --> 0:12:00.200
<v Speaker 3>I was always like if my mom and I had

0:12:00.200 --> 0:12:01.679
<v Speaker 3>a fight and she went to the grocery store, I'd

0:12:01.679 --> 0:12:03.160
<v Speaker 3>be like, oh, she may never come back, and I

0:12:03.200 --> 0:12:05.520
<v Speaker 3>would just, you know, stay up all night waiting. Anyway,

0:12:05.559 --> 0:12:07.920
<v Speaker 3>as an adult, I've coped with it pretty well. But

0:12:07.960 --> 0:12:11.200
<v Speaker 3>when I had my baby, oh yeah, it was really

0:12:11.240 --> 0:12:11.880
<v Speaker 3>really difficult.

0:12:11.960 --> 0:12:14.000
<v Speaker 2>So I think I've been transparent too.

0:12:14.080 --> 0:12:17.280
<v Speaker 3>I had already been in therapy before I had the baby,

0:12:17.280 --> 0:12:18.800
<v Speaker 3>because I kind of felt like I might need to

0:12:18.840 --> 0:12:21.240
<v Speaker 3>get myself situated and I'm so grateful that I did.

0:12:21.720 --> 0:12:24.679
<v Speaker 3>And then even therapy wasn't enough, and then around I

0:12:24.720 --> 0:12:26.400
<v Speaker 3>don't know, early in the year, I started taking an

0:12:26.440 --> 0:12:30.679
<v Speaker 3>anti anxiety medication that's been very helpful to me. But

0:12:30.800 --> 0:12:34.440
<v Speaker 3>even that, like lately, you know, it's not a silver bullet.

0:12:34.559 --> 0:12:37.280
<v Speaker 3>And I continue to go to therapy weekly, and I

0:12:37.280 --> 0:12:39.720
<v Speaker 3>also have a psychiatrist that I check in with about monthly.

0:12:40.120 --> 0:12:41.680
<v Speaker 3>And she was the one I had talked to last

0:12:41.679 --> 0:12:44.080
<v Speaker 3>week because I was like, listen, I'm not sleeping anymore.

0:12:44.080 --> 0:12:47.440
<v Speaker 3>I'm having the same nightmares. I'm waking up sweating, you know,

0:12:47.520 --> 0:12:51.040
<v Speaker 3>I feel like I feel like I'm going back the

0:12:51.080 --> 0:12:54.240
<v Speaker 3>wrong way. And her first question was, you know, how

0:12:54.320 --> 0:12:58.080
<v Speaker 3>much time do you take for self care? And I said, well,

0:12:58.120 --> 0:13:00.480
<v Speaker 3>you know, I do things for myself. I'll go to

0:13:00.480 --> 0:13:03.880
<v Speaker 3>the grocery store or ride the peloton. And she's like, so,

0:13:04.120 --> 0:13:07.640
<v Speaker 3>but what about like for you, you know, where's your quiet time,

0:13:07.679 --> 0:13:10.679
<v Speaker 3>where's your time for yourself? And I say, and I

0:13:10.679 --> 0:13:14.560
<v Speaker 3>don't know. I've felt a little defensive because I want

0:13:14.600 --> 0:13:16.600
<v Speaker 3>to have figured it out, Like I want to be

0:13:16.720 --> 0:13:19.840
<v Speaker 3>the person who, eight nine months into quarantine has like

0:13:19.880 --> 0:13:22.040
<v Speaker 3>figured out the balance, but I just haven't you know,

0:13:22.120 --> 0:13:25.000
<v Speaker 3>I just there isn't time for myself. The little time

0:13:25.000 --> 0:13:26.720
<v Speaker 3>that I do have, I try to squeeze in some

0:13:26.800 --> 0:13:28.440
<v Speaker 3>thing so I can feel productive.

0:13:29.880 --> 0:13:30.280
<v Speaker 2>Anyway.

0:13:30.320 --> 0:13:32.280
<v Speaker 3>All that is to say, I'm still on my journey

0:13:32.320 --> 0:13:35.960
<v Speaker 3>with anxiety. And while she did, we didn't change my

0:13:36.160 --> 0:13:39.040
<v Speaker 3>anti anxiety medication. But I am going to start going

0:13:39.080 --> 0:13:42.760
<v Speaker 3>back on this little, uh, just a small dose of

0:13:42.800 --> 0:13:45.000
<v Speaker 3>something to help me sleep at night while I need

0:13:45.040 --> 0:13:46.960
<v Speaker 3>it because I can't function when I don't sleep, Like

0:13:46.960 --> 0:13:50.319
<v Speaker 3>it's bad for everybody. But I also recently, in the

0:13:50.400 --> 0:13:53.280
<v Speaker 3>past two weeks, have started to do a sleep meditation

0:13:53.360 --> 0:13:53.719
<v Speaker 3>at night.

0:13:53.760 --> 0:13:56.520
<v Speaker 2>I have an app. It's actually for me too, me

0:13:56.559 --> 0:13:58.199
<v Speaker 2>too as calm. Do you do Calm?

0:13:58.480 --> 0:14:01.680
<v Speaker 3>I don't do Calm because I I realize Peloton offers

0:14:01.760 --> 0:14:05.600
<v Speaker 3>all these different meditations, so and I already pay for it.

0:14:05.640 --> 0:14:08.760
<v Speaker 3>So although calm is not that expensive, what is it? Like?

0:14:08.800 --> 0:14:11.120
<v Speaker 3>I almost got calm early in the in the pandemic.

0:14:11.120 --> 0:14:14.120
<v Speaker 3>It was like what sixty bucks, yeah or something like that,

0:14:14.800 --> 0:14:17.160
<v Speaker 3>which was like a story time at night. I know,

0:14:17.480 --> 0:14:19.840
<v Speaker 3>I did like a trial and I think Matthew McConaughey

0:14:19.880 --> 0:14:21.320
<v Speaker 3>read me a story and I was like, I can't

0:14:21.360 --> 0:14:26.960
<v Speaker 3>sleep to this shit, but okay, but the peloton app

0:14:27.000 --> 0:14:29.200
<v Speaker 3>or any meditation, I was shocked that it.

0:14:29.720 --> 0:14:32.200
<v Speaker 2>I was like, what spell has she this woman put

0:14:32.240 --> 0:14:34.480
<v Speaker 2>on me? Because I would just drop off to sleep

0:14:34.760 --> 0:14:38.200
<v Speaker 2>within fifteen minutes. It doesn't stop me from like waking

0:14:38.280 --> 0:14:41.120
<v Speaker 2>up with the like sweats and stuff, but it helps

0:14:41.160 --> 0:14:44.240
<v Speaker 2>me get to sleep. So meditation kind of sort of

0:14:44.400 --> 0:14:44.840
<v Speaker 2>is working.

0:14:44.920 --> 0:14:48.400
<v Speaker 3>But listen, I don't have any particular answers, but I

0:14:48.400 --> 0:14:51.840
<v Speaker 3>do completely know exactly what that feels like. And I'm

0:14:51.880 --> 0:14:54.280
<v Speaker 3>sorry that you're going through that. I really am.

0:14:54.840 --> 0:14:58.120
<v Speaker 1>Yeah, I feel much much, much, much much better now

0:14:58.160 --> 0:15:02.440
<v Speaker 1>because a lot of the thing that were so overwhelming

0:15:02.800 --> 0:15:05.520
<v Speaker 1>I've done. I've checked it off the list, but I'm

0:15:05.560 --> 0:15:07.080
<v Speaker 1>just like, I don't want to go back there, so

0:15:07.400 --> 0:15:10.520
<v Speaker 1>do I make sure I don't like? And it's hard

0:15:10.520 --> 0:15:13.640
<v Speaker 1>because it's like, honestly, it's nothing. It'd be one thing

0:15:13.640 --> 0:15:15.360
<v Speaker 1>if it was like, oh gosh, I have to do

0:15:15.400 --> 0:15:17.720
<v Speaker 1>this thing I hate. It's like, oh my gosh, that's

0:15:17.760 --> 0:15:21.280
<v Speaker 1>an amazing opportunity. Oh my god, that's another man hold on.

0:15:21.600 --> 0:15:24.760
<v Speaker 1>And then it's like what am I gonna sleep? What

0:15:24.880 --> 0:15:25.680
<v Speaker 1>am I gonna hang out with?

0:15:25.720 --> 0:15:26.000
<v Speaker 2>Jarel?

0:15:26.960 --> 0:15:29.440
<v Speaker 1>So it's more so bad I like it until like

0:15:29.440 --> 0:15:31.320
<v Speaker 1>when me and Jerrell first got like when we actually

0:15:31.400 --> 0:15:33.440
<v Speaker 1>were like standing up to get married. I remember I

0:15:33.440 --> 0:15:35.800
<v Speaker 1>thought I was going to throw up. I wanted to

0:15:35.840 --> 0:15:39.040
<v Speaker 1>like run away because I was. You know, the feeling

0:15:39.080 --> 0:15:40.680
<v Speaker 1>I felt, and I feel kind of now, is that

0:15:42.600 --> 0:15:45.400
<v Speaker 1>there is a huge transition happening, and I'm kind of

0:15:45.440 --> 0:15:47.640
<v Speaker 1>afraid of it, even though I know it's a good thing.

0:15:47.720 --> 0:15:49.840
<v Speaker 1>Like I knew I wanted to marry you, I said, dull,

0:15:49.920 --> 0:15:52.520
<v Speaker 1>but whatever you I'll be nosy anyway, Superman, I knew.

0:15:52.320 --> 0:15:55.320
<v Speaker 2>I wanted to marry Superman, and I did.

0:15:55.400 --> 0:15:57.040
<v Speaker 1>I mean, we've been dating for a number of years,

0:15:57.360 --> 0:16:02.480
<v Speaker 1>but I also knew, okay, we're getting married. We're stepping

0:16:02.520 --> 0:16:04.520
<v Speaker 1>from one place to the next. It's like the difference

0:16:04.520 --> 0:16:06.440
<v Speaker 1>between going from sixth grade to seventh grade, So what

0:16:06.520 --> 0:16:08.680
<v Speaker 1>still in middle school, but you go from eighth grade

0:16:08.720 --> 0:16:10.840
<v Speaker 1>to ninth grade still a year, but now you're in

0:16:10.960 --> 0:16:14.000
<v Speaker 1>high school. And that's what I've been feeling, like that

0:16:14.520 --> 0:16:17.920
<v Speaker 1>the things that are happening are a clear signal that

0:16:18.200 --> 0:16:20.640
<v Speaker 1>I am no longer where I was before, where it

0:16:20.760 --> 0:16:24.480
<v Speaker 1>was so comfy, And so I know that it's a

0:16:24.520 --> 0:16:26.720
<v Speaker 1>good thing because it means that I'm taking what we're

0:16:26.760 --> 0:16:29.000
<v Speaker 1>doing to the next level. But it's also a new place,

0:16:29.040 --> 0:16:31.120
<v Speaker 1>so I'm a little nervous because I'm like, well, I've

0:16:31.120 --> 0:16:32.200
<v Speaker 1>never been here before.

0:16:32.520 --> 0:16:34.680
<v Speaker 2>I just gotten really comfortable where we were before. So

0:16:34.720 --> 0:16:35.560
<v Speaker 2>it's more so that.

0:16:37.240 --> 0:16:39.720
<v Speaker 3>Yeah, but I mean, I don't know, I'm saying, you're

0:16:40.360 --> 0:16:42.360
<v Speaker 3>We haven't talked about your coach in a while.

0:16:43.240 --> 0:16:45.360
<v Speaker 2>Oh, yes, I decided to bring him on for a year.

0:16:45.480 --> 0:16:48.320
<v Speaker 2>M M okay, what do they have to say about it?

0:16:48.360 --> 0:16:53.680
<v Speaker 2>I forget if it's a hero he he I didn't

0:16:53.720 --> 0:16:57.080
<v Speaker 2>even because so we we it's been like a month

0:16:57.080 --> 0:16:58.720
<v Speaker 2>and a half, so we're actually like working out like

0:16:58.760 --> 0:17:01.920
<v Speaker 2>the contract. So but I'm bringing him on for a year.

0:17:01.920 --> 0:17:03.760
<v Speaker 2>We haven't had this.

0:17:04.600 --> 0:17:06.359
<v Speaker 1>We talked about it a little bit, and he definitely

0:17:06.400 --> 0:17:07.920
<v Speaker 1>tells me that like I hold back too much like

0:17:07.960 --> 0:17:10.080
<v Speaker 1>so many women, and that like I need to like

0:17:10.160 --> 0:17:13.520
<v Speaker 1>step into my dopeness. He's like, it's okay, tifany to

0:17:13.520 --> 0:17:15.840
<v Speaker 1>say you're this shit. Sometimes I'm like, ah, don't say that.

0:17:15.960 --> 0:17:17.720
<v Speaker 1>I'm nice, Like it's kind.

0:17:18.440 --> 0:17:20.000
<v Speaker 2>So that's part is really hard.

0:17:20.920 --> 0:17:23.159
<v Speaker 1>But so that's those were conversations we used to have earlier,

0:17:23.160 --> 0:17:25.320
<v Speaker 1>so we have not so it was a three month contract,

0:17:25.400 --> 0:17:27.320
<v Speaker 1>but it was it went so well, I said, let's

0:17:27.359 --> 0:17:29.639
<v Speaker 1>do it for a year. But like, there's there's components

0:17:29.640 --> 0:17:31.680
<v Speaker 1>to work out. So although we've had kind of like

0:17:31.760 --> 0:17:34.120
<v Speaker 1>light conversations, we're waiting to like sign before we start

0:17:34.160 --> 0:17:36.119
<v Speaker 1>back up again. What I like, it's not just me

0:17:36.240 --> 0:17:40.880
<v Speaker 1>coaching with him, it's also him his team also integrates

0:17:40.880 --> 0:17:42.040
<v Speaker 1>into my team, just like before.

0:17:42.040 --> 0:17:44.199
<v Speaker 2>So I'm excited about what that looks like.

0:17:45.600 --> 0:17:48.159
<v Speaker 1>But yeah, so, like I said, it's just it's just

0:17:48.359 --> 0:17:51.000
<v Speaker 1>I'm I was a kid in school that sometimes got

0:17:51.040 --> 0:17:54.120
<v Speaker 1>bees on purpose because a's brought too much attention, oh

0:17:54.880 --> 0:17:57.800
<v Speaker 1>you know what I mean. And not attention meaning like

0:17:57.800 --> 0:17:59.600
<v Speaker 1>from the teacher, but too much I won't, you know,

0:17:59.600 --> 0:18:00.000
<v Speaker 1>the wrong way.

0:18:00.200 --> 0:18:03.679
<v Speaker 2>Attention. Expectation, Yeah, expectation, yes.

0:18:03.440 --> 0:18:05.680
<v Speaker 1>Because I remember when I got straight a's for the

0:18:05.720 --> 0:18:08.520
<v Speaker 1>first time. My dad was like, hey, so you can

0:18:08.640 --> 0:18:11.960
<v Speaker 1>get it. I don't want anything else, And I was like,

0:18:12.040 --> 0:18:13.120
<v Speaker 1>oh the pressure.

0:18:13.800 --> 0:18:16.199
<v Speaker 2>I feel like the stakes are high. You're afraid to

0:18:16.200 --> 0:18:18.760
<v Speaker 2>fail to fail.

0:18:18.960 --> 0:18:23.280
<v Speaker 1>But yes, and also too, like what if it don't

0:18:23.280 --> 0:18:24.640
<v Speaker 1>really work out like people are expecting.

0:18:24.680 --> 0:18:27.320
<v Speaker 2>I kind of like being like underdog Tiffany, I'm.

0:18:27.240 --> 0:18:29.560
<v Speaker 1>Just you know, I'm doing at scrappy Tiffany, you know,

0:18:30.119 --> 0:18:34.080
<v Speaker 1>but then now it's like, oh, your mainstream Tiffany, Well,

0:18:34.080 --> 0:18:35.359
<v Speaker 1>of course you're going to do that.

0:18:35.359 --> 0:18:38.000
<v Speaker 2>That's it. So I don't know.

0:18:38.240 --> 0:18:41.840
<v Speaker 1>I just think that I'm just struggling with the transition

0:18:42.280 --> 0:18:45.199
<v Speaker 1>because it's the end of the beginning and it's the

0:18:45.200 --> 0:18:47.240
<v Speaker 1>beginning of the middle. And it's very clear that that's

0:18:47.240 --> 0:18:49.560
<v Speaker 1>what's happening with the things that are happening, like like,

0:18:49.600 --> 0:18:51.360
<v Speaker 1>you're no longer and I'm not. I mean, we're ten

0:18:51.400 --> 0:18:54.440
<v Speaker 1>years old, so we're not like, I guess, a startup

0:18:54.480 --> 0:18:57.040
<v Speaker 1>as far as, like you know, years in, but it's

0:18:57.040 --> 0:19:01.040
<v Speaker 1>more so it's a we have a officially elevated to

0:19:01.080 --> 0:19:04.040
<v Speaker 1>the next level. And remember I told you before that

0:19:04.119 --> 0:19:06.200
<v Speaker 1>I don't know if you remember, but I told you

0:19:06.240 --> 0:19:08.439
<v Speaker 1>maybe like like a couple of years ago, a year

0:19:08.480 --> 0:19:10.200
<v Speaker 1>or so ago, I said that I want to write

0:19:10.240 --> 0:19:12.520
<v Speaker 1>a business book called like do Good. But I was like,

0:19:12.520 --> 0:19:14.040
<v Speaker 1>I'm not gonna write business book until I make a

0:19:14.119 --> 0:19:15.440
<v Speaker 1>list eight figures, like that's crazy.

0:19:15.440 --> 0:19:16.720
<v Speaker 2>I want to make a list ten million dollars.

0:19:16.760 --> 0:19:18.240
<v Speaker 1>And I was like a year ago, we're there now,

0:19:18.800 --> 0:19:21.400
<v Speaker 1>and I'm like, okay, and that's just with one business,

0:19:22.119 --> 0:19:22.480
<v Speaker 1>and so.

0:19:23.960 --> 0:19:26.920
<v Speaker 2>It just it. You know, there are people who work

0:19:26.960 --> 0:19:29.239
<v Speaker 2>for me. This is all they do. Many people who

0:19:29.320 --> 0:19:30.359
<v Speaker 2>work for me, this is all they do.

0:19:30.440 --> 0:19:34.119
<v Speaker 1>So there's that too of like making sure, like, you know,

0:19:35.000 --> 0:19:37.000
<v Speaker 1>we've never been late with payroll, and we're not going

0:19:37.000 --> 0:19:39.960
<v Speaker 1>to be, you know. I mean, I I'm I have

0:19:40.040 --> 0:19:42.040
<v Speaker 1>six months worth of savings in one company and then

0:19:42.080 --> 0:19:43.800
<v Speaker 1>like three and a half four months worth of savings

0:19:43.800 --> 0:19:46.200
<v Speaker 1>in another, and similar in another.

0:19:46.680 --> 0:19:49.000
<v Speaker 2>So I'm always really mindful of things like that. But

0:19:49.160 --> 0:19:52.639
<v Speaker 2>it's just I used to be a pre school teacher,

0:19:53.119 --> 0:19:55.400
<v Speaker 2>you know, and so sometimes I'm just like.

0:19:55.560 --> 0:20:01.040
<v Speaker 1>Ah, I'm still figuring it out, and so yeah. So

0:20:01.080 --> 0:20:04.080
<v Speaker 1>but I also have learned. One thing I've learned through

0:20:04.080 --> 0:20:07.879
<v Speaker 1>all this is to lean into help around me. So

0:20:07.880 --> 0:20:10.320
<v Speaker 1>I've gotten much better at that. So yeah, I think

0:20:10.320 --> 0:20:12.200
<v Speaker 1>people think that because you've reached a certain level, you

0:20:12.280 --> 0:20:14.600
<v Speaker 1>figured it out. I don't know anything. Every every day

0:20:14.680 --> 0:20:16.720
<v Speaker 1>I'm like, I think, so let's try it. Everybody on

0:20:16.760 --> 0:20:19.000
<v Speaker 1>my team knows that I'm gonna let's try it and

0:20:19.040 --> 0:20:20.600
<v Speaker 1>see what's the worst that can happen. As long as

0:20:20.600 --> 0:20:24.000
<v Speaker 1>nobody dies, that's my only rule. As long as you know,

0:20:24.000 --> 0:20:25.680
<v Speaker 1>should we switch the colors of the block. I'm like,

0:20:25.680 --> 0:20:27.480
<v Speaker 1>will anybody die? They're like tiffing down.

0:20:27.480 --> 0:20:29.719
<v Speaker 2>I'm like, well, girl, switch the Collins. What the hell cares?

0:20:29.800 --> 0:20:31.480
<v Speaker 2>I don't care, but we can always switch it back,

0:20:32.119 --> 0:20:32.320
<v Speaker 2>you know.

0:20:32.440 --> 0:20:36.520
<v Speaker 1>So yeah, I guess it's just it's it's growing pains,

0:20:36.680 --> 0:20:38.439
<v Speaker 1>and you know, because of good. Like I said, good

0:20:38.440 --> 0:20:41.600
<v Speaker 1>things are happening, But it's just it's a it's a

0:20:41.680 --> 0:20:45.720
<v Speaker 1>space that I dreamt of before you ever dream of something.

0:20:46.080 --> 0:20:47.800
<v Speaker 1>It's like you wanted that Nintendo, but you don't think

0:20:47.800 --> 0:20:49.439
<v Speaker 1>your mom's really gonna get you a Nintendo, and then

0:20:49.480 --> 0:20:53.120
<v Speaker 1>you get it and you're like, wait, what, I'm actually

0:20:53.160 --> 0:20:53.920
<v Speaker 1>getting a Nintendo.

0:20:54.680 --> 0:20:57.040
<v Speaker 2>It's real life. And so that's the space of men.

0:20:57.119 --> 0:20:59.960
<v Speaker 1>Like I said, it really grateful, you know, but also

0:21:00.200 --> 0:21:03.560
<v Speaker 1>sometimes like you know, overwhelmed because I also know that

0:21:03.560 --> 0:21:06.879
<v Speaker 1>there's more to come, and then there's more expectations that

0:21:06.920 --> 0:21:07.679
<v Speaker 1>come along with that.

0:21:08.119 --> 0:21:12.320
<v Speaker 3>Well, I part of me feels like, you it's time

0:21:12.400 --> 0:21:16.040
<v Speaker 3>to get like a mental hype person, someone who can

0:21:16.080 --> 0:21:19.359
<v Speaker 3>help you deal as these opportunities come your way. And

0:21:19.400 --> 0:21:21.480
<v Speaker 3>I guess I also feel like, you know, whether that's

0:21:21.480 --> 0:21:23.679
<v Speaker 3>a therapist or like to you know, maybe it's this

0:21:23.760 --> 0:21:26.080
<v Speaker 3>business coach that you have, But I'm like someone I like,

0:21:26.160 --> 0:21:29.880
<v Speaker 3>I know there are incredibly like who coaches Serena Williams,

0:21:29.920 --> 0:21:31.600
<v Speaker 3>like who helps her when she's feel because I know

0:21:31.640 --> 0:21:33.840
<v Speaker 3>she feels probably doubts herself, Like who is that? You know?

0:21:33.960 --> 0:21:37.080
<v Speaker 3>I feel like people, even at the highest levels, must

0:21:37.080 --> 0:21:38.240
<v Speaker 3>have some help.

0:21:38.320 --> 0:21:39.400
<v Speaker 2>But I also feel like.

0:21:39.720 --> 0:21:43.480
<v Speaker 3>Your willingness to to your willingness to say I don't know,

0:21:43.960 --> 0:21:46.320
<v Speaker 3>but I'll try it is also the reason you've been

0:21:46.359 --> 0:21:49.280
<v Speaker 3>successful and will continue to be successful. And part of

0:21:49.280 --> 0:21:51.680
<v Speaker 3>me is just like, and you're kind of I can

0:21:51.720 --> 0:21:54.240
<v Speaker 3>hear you listing out the facts, the reasons, the logic

0:21:54.320 --> 0:21:57.439
<v Speaker 3>of why you know you're doing well, And I just

0:21:57.480 --> 0:22:00.000
<v Speaker 3>feel like, whenever you're having those doubts, just hit your

0:22:00.040 --> 0:22:03.680
<v Speaker 3>self with the logic. Like literally, ten years of work

0:22:03.880 --> 0:22:06.800
<v Speaker 3>has shown that you are more than capable and you've earned,

0:22:06.960 --> 0:22:08.920
<v Speaker 3>you know, the spot that you're in today. You've done

0:22:08.960 --> 0:22:10.280
<v Speaker 3>more to get to where you are today than a

0:22:10.320 --> 0:22:12.320
<v Speaker 3>lot of people have who have reached your level and beyond.

0:22:12.359 --> 0:22:14.639
<v Speaker 3>You know, like you have put in the ward, the blood,

0:22:14.640 --> 0:22:16.520
<v Speaker 3>sweat and tears. We've got five years of evidence in

0:22:16.560 --> 0:22:19.600
<v Speaker 3>this podcast, right, five years, two hundred and forty episodes

0:22:20.880 --> 0:22:24.960
<v Speaker 3>to chronicle that journey. And but what you're going through,

0:22:24.960 --> 0:22:27.240
<v Speaker 3>I think is so human and so real. But I

0:22:27.240 --> 0:22:30.639
<v Speaker 3>also feel like people need you. You've got to like

0:22:30.960 --> 0:22:32.919
<v Speaker 3>the hero in the movie is scared shitless, but they

0:22:32.920 --> 0:22:34.320
<v Speaker 3>still got to beat the bad guy. And I kind

0:22:34.320 --> 0:22:36.439
<v Speaker 3>of feel like we need the hero, like the people

0:22:36.480 --> 0:22:38.679
<v Speaker 3>need like millions of people need to know you, and

0:22:38.720 --> 0:22:42.000
<v Speaker 3>they will and you will read you will like you'll, you'll,

0:22:42.320 --> 0:22:44.359
<v Speaker 3>you will meet the moment where it's at. It's freaking

0:22:44.720 --> 0:22:47.280
<v Speaker 3>it sounds like scary and all that, and it will be.

0:22:47.440 --> 0:22:50.119
<v Speaker 3>But people are waiting on you. They need you, like

0:22:50.760 --> 0:22:55.960
<v Speaker 3>America needs you. No pressure, no presh. But yeah, so

0:22:56.080 --> 0:22:58.840
<v Speaker 3>let's while while you're talking about your success, I mean,

0:22:59.280 --> 0:23:00.000
<v Speaker 3>was this going to be your.

0:23:00.040 --> 0:23:03.760
<v Speaker 2>Boost or can we talk about it now? Your GMA segment, Oh,

0:23:03.880 --> 0:23:04.840
<v Speaker 2>that was gonna be my boost.

0:23:05.280 --> 0:23:07.280
<v Speaker 3>Okay, we can save that, we can save it, we

0:23:07.320 --> 0:23:10.399
<v Speaker 3>can save it. Let's save that a little, uh for

0:23:10.760 --> 0:23:13.240
<v Speaker 3>your boost you guys later on, stay tuned, and Tiffany

0:23:13.240 --> 0:23:15.320
<v Speaker 3>will give us all the behind the scenes on her

0:23:16.000 --> 0:23:16.840
<v Speaker 3>GMA debut.

0:23:19.320 --> 0:23:21.439
<v Speaker 1>Yes, but all in all, though I don't know if

0:23:21.440 --> 0:23:25.159
<v Speaker 1>you were listening to I was like, uh, listening to

0:23:25.280 --> 0:23:29.120
<v Speaker 1>like a video that Jeffrey from Minority Mindset on YouTube

0:23:29.400 --> 0:23:33.680
<v Speaker 1>put out, and just like, how there's just this real

0:23:34.440 --> 0:23:36.920
<v Speaker 1>It's weird because it doesn't feel like we're in a recession,

0:23:37.000 --> 0:23:42.639
<v Speaker 1>but that so many people in financial high places, if

0:23:42.640 --> 0:23:46.119
<v Speaker 1>you will, are just like, although it doesn't feel bad,

0:23:46.760 --> 0:23:50.600
<v Speaker 1>that it is bad and we won't feel the effects

0:23:50.640 --> 0:23:52.080
<v Speaker 1>until later. What do you think about that?

0:23:52.160 --> 0:23:56.760
<v Speaker 3>I just real gears, which was all the gears, Yes,

0:23:57.000 --> 0:23:59.399
<v Speaker 3>economy got it.

0:23:59.600 --> 0:24:00.680
<v Speaker 2>I'm just I think that's free.

0:24:00.720 --> 0:24:02.639
<v Speaker 1>I was just like, you know what, I've been feeling

0:24:02.640 --> 0:24:05.000
<v Speaker 1>like that, honestly since the very beginning. I have people

0:24:05.000 --> 0:24:07.480
<v Speaker 1>are kind of like walking around willy nilly, and I'm like,

0:24:09.320 --> 0:24:12.600
<v Speaker 1>I I think I was telling my sister today, I'm like,

0:24:12.640 --> 0:24:14.879
<v Speaker 1>don't get too crazy, miss I just went for a

0:24:14.880 --> 0:24:17.080
<v Speaker 1>SPA treatment and this and that, like make sure you

0:24:17.119 --> 0:24:20.639
<v Speaker 1>have your savingsquirrel, I don't. I mean, yes, you know,

0:24:20.840 --> 0:24:23.800
<v Speaker 1>maybe maybe everything will be fine, but you don't throw

0:24:23.800 --> 0:24:26.320
<v Speaker 1>a stone in the water and there not be a ripple.

0:24:26.400 --> 0:24:29.280
<v Speaker 1>And we haven't seen the ripple, which really means it's coming.

0:24:30.400 --> 0:24:32.160
<v Speaker 2>I mean, I feel like we put a nuclear bomb

0:24:32.200 --> 0:24:34.280
<v Speaker 2>in the water and that's the coronavirus pandemic.

0:24:35.440 --> 0:24:41.119
<v Speaker 3>Yeah, I've every every good thing financially that's happened in

0:24:41.160 --> 0:24:44.280
<v Speaker 3>career wise, this year has been a real blessing from

0:24:44.280 --> 0:24:46.960
<v Speaker 3>my perspective. But at the on the on the other side,

0:24:47.359 --> 0:24:49.920
<v Speaker 3>I do feel very much like the squirrel squirreling away

0:24:50.000 --> 0:24:52.240
<v Speaker 3>nuts or the grasshopper, No, the grasshopper was the one

0:24:52.280 --> 0:24:55.640
<v Speaker 3>who didn't who's sing all summer anyway, whatever, I do

0:24:55.680 --> 0:24:58.479
<v Speaker 3>feel like I'm in a protection kind of phase. Like

0:24:58.880 --> 0:25:02.520
<v Speaker 3>and even today stock market went down a couple percentage points,

0:25:02.520 --> 0:25:05.520
<v Speaker 3>which sounds small, but it is the biggest decline in

0:25:05.760 --> 0:25:10.040
<v Speaker 3>a few months now and for me, I and at

0:25:10.040 --> 0:25:12.560
<v Speaker 3>the beginning of the pandemic, I definitely like, you know,

0:25:12.600 --> 0:25:15.440
<v Speaker 3>we were focused. We were lucky that we had replenished

0:25:15.440 --> 0:25:18.040
<v Speaker 3>our savings account to where it was after the you know,

0:25:18.080 --> 0:25:20.639
<v Speaker 3>after our home renovation and all of that. But I

0:25:20.760 --> 0:25:23.320
<v Speaker 3>feel very much like, take your wins while you get them,

0:25:23.560 --> 0:25:26.000
<v Speaker 3>prepare for the worst, hope for the best. In terms

0:25:26.080 --> 0:25:29.120
<v Speaker 3>of my investing strategy, I haven't changed too much. I mean,

0:25:29.119 --> 0:25:33.119
<v Speaker 3>my investing strategy is very much continue putting in a

0:25:33.119 --> 0:25:36.000
<v Speaker 3>consistent amount of money into the market with every paycheck.

0:25:36.440 --> 0:25:38.840
<v Speaker 3>Any extra money I get put a percentage of that

0:25:39.080 --> 0:25:42.680
<v Speaker 3>into my brokerage account and then let it go. You know,

0:25:42.720 --> 0:25:46.199
<v Speaker 3>I've got a really good, diverse portfolio made up of

0:25:46.240 --> 0:25:49.119
<v Speaker 3>index funds largely. Yes, I've talked about my little brokerage

0:25:49.119 --> 0:25:52.679
<v Speaker 3>account on the side, which we are invested in some

0:25:52.760 --> 0:25:55.800
<v Speaker 3>individual stocks and ETFs and things like that, which is fine,

0:25:55.880 --> 0:25:59.879
<v Speaker 3>But the bulk of my investments I feel. I don't mean,

0:26:00.000 --> 0:26:01.840
<v Speaker 3>I'm not going to say confident, but my strategy is

0:26:01.840 --> 0:26:05.000
<v Speaker 3>when I'm confident, and I think times like this are

0:26:05.040 --> 0:26:07.280
<v Speaker 3>when you've just got to stick to your plan. And

0:26:08.200 --> 0:26:10.040
<v Speaker 3>part of my plan is that I have a cash

0:26:10.080 --> 0:26:14.560
<v Speaker 3>cushion for sure six months and you know, if people

0:26:14.600 --> 0:26:17.119
<v Speaker 3>feel like now the time to take on big risks, okay,

0:26:17.280 --> 0:26:21.800
<v Speaker 3>but no, we definitely haven't. We definitely haven't. I don't

0:26:21.840 --> 0:26:24.119
<v Speaker 3>think gotten through. There's still no vaccine. I mean that's

0:26:24.119 --> 0:26:26.359
<v Speaker 3>why the market was down today. Not only is there

0:26:26.400 --> 0:26:29.680
<v Speaker 3>no vaccine, but there's also probably not going to be

0:26:29.720 --> 0:26:32.359
<v Speaker 3>a stimulus package, maybe even not before the year is over.

0:26:32.440 --> 0:26:35.400
<v Speaker 3>Because our our elected officials are a hot day MS.

0:26:35.520 --> 0:26:38.359
<v Speaker 3>They can't agree on anything. The election is a week away.

0:26:38.480 --> 0:26:40.320
<v Speaker 3>You know, we don't know how that what that out

0:26:40.359 --> 0:26:42.120
<v Speaker 3>comes going to be good orbit or not. I won't

0:26:42.160 --> 0:26:44.639
<v Speaker 3>say good or bad, but uh, you know, Trump or Biden.

0:26:46.480 --> 0:26:47.520
<v Speaker 2>I can't. I can't.

0:26:48.119 --> 0:26:51.720
<v Speaker 3>There is so much uncertainty. I yeah, I kind of

0:26:51.840 --> 0:26:54.159
<v Speaker 3>envy people who can walk through the world like la

0:26:54.200 --> 0:26:59.800
<v Speaker 3>la la lads, toddlers and like really rich white guys

0:27:00.040 --> 0:27:03.520
<v Speaker 3>because everything's great, everything's fine.

0:27:03.880 --> 0:27:04.359
<v Speaker 2>I think a lot.

0:27:04.440 --> 0:27:06.240
<v Speaker 3>There's a lot to be grateful for. And I think

0:27:06.640 --> 0:27:10.159
<v Speaker 3>one of the things that requires, you know, no therapy,

0:27:10.240 --> 0:27:13.159
<v Speaker 3>no medication in terms of battling anxiety is to focus

0:27:13.200 --> 0:27:15.520
<v Speaker 3>on things you're grateful for and happy about and focus

0:27:15.560 --> 0:27:18.159
<v Speaker 3>on positive things. And I some days I'm better at

0:27:18.160 --> 0:27:20.840
<v Speaker 3>that than most, but I just try to stay positive

0:27:21.040 --> 0:27:22.520
<v Speaker 3>and stick to the plan.

0:27:22.960 --> 0:27:25.200
<v Speaker 1>Yeah, and that's all we can't do, but I definitely

0:27:25.240 --> 0:27:28.960
<v Speaker 1>want people to. It's almost like with the pandemic and

0:27:28.960 --> 0:27:31.240
<v Speaker 1>everybody's kind of like outside chilling. It's like sis, really

0:27:31.280 --> 0:27:33.439
<v Speaker 1>put your mask on. But the same thing as it

0:27:33.440 --> 0:27:36.879
<v Speaker 1>relates to your finance is like put your financial mask on,

0:27:37.119 --> 0:27:40.800
<v Speaker 1>which to me is make sure that you are saving,

0:27:41.840 --> 0:27:45.960
<v Speaker 1>make sure that you are you're looking at your budget

0:27:46.040 --> 0:27:47.399
<v Speaker 1>and if you had to make a cut, you know

0:27:47.400 --> 0:27:50.320
<v Speaker 1>with that where you could you know, make sure that

0:27:50.560 --> 0:27:54.280
<v Speaker 1>you are being conservative with your spending, at least for

0:27:54.320 --> 0:27:56.040
<v Speaker 1>the time being, until we can kind of see where

0:27:56.040 --> 0:27:59.639
<v Speaker 1>things settle. I just don't want people to I remember

0:27:59.680 --> 0:28:03.440
<v Speaker 1>doing too thousand and eight because I didn't. I didn't

0:28:03.440 --> 0:28:07.240
<v Speaker 1>really feel the sting of the Great Recession until the

0:28:07.359 --> 0:28:09.879
<v Speaker 1>end of two thousand and nine. So two thousand and seven,

0:28:09.880 --> 0:28:11.359
<v Speaker 1>as things were kind of like rumbling, I was like,

0:28:11.800 --> 0:28:13.880
<v Speaker 1>two thousand and eight, I was like, ooh, it's bad

0:28:13.920 --> 0:28:16.520
<v Speaker 1>out there, not for me. Beginning of two thousand and nine.

0:28:17.920 --> 0:28:19.800
<v Speaker 1>The end of two thousand and nine, I was like, so,

0:28:21.200 --> 0:28:24.440
<v Speaker 1>where's the unemployment line again? And so I basically say

0:28:24.480 --> 0:28:26.720
<v Speaker 1>all that to say I had an opportunity to tighten

0:28:26.840 --> 0:28:28.639
<v Speaker 1>up a little bit to make it easier for me

0:28:28.680 --> 0:28:30.800
<v Speaker 1>when it was my turn, and I didn't take it

0:28:31.000 --> 0:28:31.600
<v Speaker 1>because you know.

0:28:31.920 --> 0:28:33.600
<v Speaker 2>Youth and foolishness.

0:28:33.880 --> 0:28:36.960
<v Speaker 1>So if you are doing decent right now, you have

0:28:37.000 --> 0:28:39.840
<v Speaker 1>an opportunity to basically put your mask on, tighten your belt,

0:28:40.320 --> 0:28:42.760
<v Speaker 1>and so that way, if something does come your way,

0:28:42.960 --> 0:28:46.120
<v Speaker 1>you have something to lean back on. I just don't

0:28:46.120 --> 0:28:49.480
<v Speaker 1>want people to pass up on that opportunity because everyone

0:28:49.520 --> 0:28:51.640
<v Speaker 1>doesn't have it. There's some people who are struggling right now,

0:28:51.800 --> 0:28:53.080
<v Speaker 1>they're not having to wait.

0:28:53.080 --> 0:28:56.760
<v Speaker 3>They're there now. Yes, absolutely, I one hundred percent agree.

0:28:56.840 --> 0:28:59.720
<v Speaker 3>Put your physical mask and your financial mask on.

0:29:00.040 --> 0:29:01.320
<v Speaker 2>I love that. Put your money mask on.

0:29:01.760 --> 0:29:03.640
<v Speaker 1>Yes, Oh I love that. Oh that's a good one

0:29:03.680 --> 0:29:05.360
<v Speaker 1>for it. I think that's a good title. Put joint

0:29:05.400 --> 0:29:12.160
<v Speaker 1>money mask on. Save trim expenses. I am quite proud.

0:29:12.680 --> 0:29:15.040
<v Speaker 1>Childcare is like the one silver lining. I mean, it's

0:29:15.080 --> 0:29:17.520
<v Speaker 1>also like the best and worst thing about this year

0:29:17.600 --> 0:29:20.040
<v Speaker 1>has been had we did not have to spend two

0:29:20.080 --> 0:29:22.800
<v Speaker 1>thousand dollars a month on daycare for Rio, which we

0:29:22.840 --> 0:29:26.920
<v Speaker 1>would have had to do probably around May. Can you

0:29:27.040 --> 0:29:30.280
<v Speaker 1>how many months has it been? Eight times to sixteen thousands?

0:29:31.600 --> 0:29:33.200
<v Speaker 3>On the other hand, I have had to figure out

0:29:33.240 --> 0:29:36.120
<v Speaker 3>how to be a mom during the workday, which is meat.

0:29:36.640 --> 0:29:39.960
<v Speaker 3>But you know, we haven't paid for childcare until now.

0:29:40.040 --> 0:29:42.800
<v Speaker 3>We are a family friend of ours is going to

0:29:42.840 --> 0:29:46.400
<v Speaker 3>be moving in with us to help with the baby,

0:29:46.400 --> 0:29:48.000
<v Speaker 3>and we're but it's still a lot, a lot lot

0:29:48.080 --> 0:29:50.720
<v Speaker 3>less than you know, we're spending on daycare.

0:29:50.760 --> 0:29:52.920
<v Speaker 2>So that's one. But with that money, I'm kind of

0:29:53.000 --> 0:29:56.000
<v Speaker 2>like we need to be saving that much money a

0:29:56.040 --> 0:29:59.800
<v Speaker 2>month anyway, but also looking for ways to trim expenses

0:30:00.080 --> 0:30:02.760
<v Speaker 2>and just to keep saving and investing. And you're right,

0:30:02.840 --> 0:30:04.080
<v Speaker 2>don't get too comfortable.

0:30:04.120 --> 0:30:07.080
<v Speaker 3>I don't think. I just don't think I'm mentally capable

0:30:07.120 --> 0:30:12.320
<v Speaker 3>of being that. I don't know, just that nonchalant about things.

0:30:12.320 --> 0:30:13.880
<v Speaker 3>I just don't think that's part of my DNA.

0:30:14.320 --> 0:30:14.800
<v Speaker 2>No it's not.

0:30:14.840 --> 0:30:16.560
<v Speaker 1>It's not not mine either, But I know that well,

0:30:16.600 --> 0:30:18.800
<v Speaker 1>not anymore because I've learned that lesson. But I know

0:30:19.240 --> 0:30:21.880
<v Speaker 1>I know what it is to feel comfortable. Human beings

0:30:21.920 --> 0:30:23.040
<v Speaker 1>are like, you know, when things are good, oh they

0:30:23.080 --> 0:30:24.840
<v Speaker 1>always be good. When things are bad, oh they always

0:30:24.880 --> 0:30:26.800
<v Speaker 1>be bad. So I just wanted to make sure that

0:30:27.200 --> 0:30:30.200
<v Speaker 1>if you are fortunate enough where things are decent to

0:30:30.720 --> 0:30:33.280
<v Speaker 1>what I do is keep what I call squirrel energy.

0:30:33.840 --> 0:30:36.200
<v Speaker 1>Like when things are good, squirrels be out there hustling

0:30:36.320 --> 0:30:39.400
<v Speaker 1>and saving nuts, right, and then when things.

0:30:39.200 --> 0:30:43.520
<v Speaker 3>Are bad, pumps apparently, yes, raggedy squirrels, right.

0:30:43.920 --> 0:30:47.120
<v Speaker 1>And then but when things are bad, squirrels anticipate that

0:30:47.200 --> 0:30:49.400
<v Speaker 1>one day things might turn alone left, and you know

0:30:49.480 --> 0:30:50.840
<v Speaker 1>they do. They're like, you know what, that's why I

0:30:50.840 --> 0:30:53.320
<v Speaker 1>put up during good times, and I think just just

0:30:53.440 --> 0:30:56.400
<v Speaker 1>reminding I always remind myself that that, like squirrels are

0:30:56.400 --> 0:30:59.840
<v Speaker 1>super smart, and that they enjoy the good times but

0:31:00.080 --> 0:31:01.960
<v Speaker 1>also put up during the good time, so that way

0:31:02.000 --> 0:31:05.080
<v Speaker 1>they can they can, you know, they can hibernate.

0:31:04.880 --> 0:31:06.880
<v Speaker 2>And and wait out the bad times.

0:31:06.920 --> 0:31:08.840
<v Speaker 1>And so I just encourage you to do that if

0:31:08.840 --> 0:31:11.080
<v Speaker 1>you're like I said, if you're because some people they've

0:31:11.120 --> 0:31:13.720
<v Speaker 1>already lost their jobs, they've already they're already trying to

0:31:13.720 --> 0:31:15.680
<v Speaker 1>figure out how they're gonna play more their mortgage. They're

0:31:15.680 --> 0:31:18.400
<v Speaker 1>already there now. So if you're fortunate that you're not there,

0:31:18.480 --> 0:31:19.479
<v Speaker 1>don't take it for granted.

0:31:20.320 --> 0:31:28.160
<v Speaker 2>A men, sister, friend, is it time for my favorite time? Questions?

0:31:28.240 --> 0:31:29.760
<v Speaker 2>Is that what you're asking? Cool questions?

0:31:30.200 --> 0:31:32.120
<v Speaker 3>Yeah, let's take a quick break and we'll be right

0:31:32.160 --> 0:32:07.360
<v Speaker 3>back with y'all questions. Okay, guys, we are back with

0:32:07.400 --> 0:32:10.320
<v Speaker 3>your questions again. Hit us up on Instagram. We're at

0:32:10.360 --> 0:32:13.280
<v Speaker 3>Brown Ambition Podcast, or you can also email us directly

0:32:13.440 --> 0:32:16.400
<v Speaker 3>Brown Ambition Podcast at gmail dot com with your question.

0:32:18.320 --> 0:32:20.600
<v Speaker 3>First question, this is an interesting one. We're just talking

0:32:20.600 --> 0:32:23.520
<v Speaker 3>about saving and investing, and this comes from a listener

0:32:23.520 --> 0:32:26.640
<v Speaker 3>who wants to remain anonymous, but she asks, what is

0:32:26.680 --> 0:32:29.640
<v Speaker 3>the best retirement account for someone who's only a couple

0:32:29.680 --> 0:32:32.640
<v Speaker 3>of years away from retiring, would it be best to

0:32:32.680 --> 0:32:35.680
<v Speaker 3>open a target date fund or an index fund?

0:32:37.360 --> 0:32:40.000
<v Speaker 2>Interesting question. She said a couple of months away, A

0:32:40.000 --> 0:32:41.760
<v Speaker 2>couple of years? Did I say months? I met? She

0:32:41.800 --> 0:32:44.560
<v Speaker 2>says years, A couple of years away, retired from retiring.

0:32:46.480 --> 0:32:50.600
<v Speaker 2>I mean that's difficult, I know, because a couple means

0:32:52.440 --> 0:32:53.200
<v Speaker 2>let's say five.

0:32:53.440 --> 0:32:57.880
<v Speaker 3>Let's just for this, for this, for this examples sake,

0:32:58.000 --> 0:33:01.880
<v Speaker 3>Let's say five, because my I have well, my dad,

0:33:01.960 --> 0:33:04.440
<v Speaker 3>my dad is sixty and I keep thinking about what

0:33:04.640 --> 0:33:07.000
<v Speaker 3>is his retirement plan? And he's, you know, he hasn't

0:33:07.040 --> 0:33:08.680
<v Speaker 3>he opened a four to one K, but not that

0:33:08.680 --> 0:33:11.440
<v Speaker 3>that long ago target date fund. I don't even know

0:33:11.480 --> 0:33:13.920
<v Speaker 3>if they. I mean, you've listen. There's no rules about

0:33:13.920 --> 0:33:15.840
<v Speaker 3>target date funds, Like if you wanted to go and

0:33:15.880 --> 0:33:18.360
<v Speaker 3>open up a target date fund for like twenty twenty five,

0:33:18.480 --> 0:33:20.840
<v Speaker 3>if that exists, I don't know. Probably it does, you

0:33:20.880 --> 0:33:23.520
<v Speaker 3>could do that. It just means most likely that it's

0:33:23.560 --> 0:33:27.480
<v Speaker 3>going to be really conservative and thinking about your time horizon,

0:33:27.520 --> 0:33:30.360
<v Speaker 3>which is so short. I mean, you can't expect to

0:33:30.800 --> 0:33:33.520
<v Speaker 3>necessarily make a bunch of money in the next couple

0:33:33.520 --> 0:33:35.720
<v Speaker 3>of years to be able to sustain it, to sustain

0:33:35.720 --> 0:33:39.959
<v Speaker 3>a retirement that being said, retirement isn't the end of

0:33:40.000 --> 0:33:43.640
<v Speaker 3>your life obviously, And I wish we knew how long

0:33:44.160 --> 0:33:46.000
<v Speaker 3>you were saying you were going to be retired, or

0:33:46.040 --> 0:33:48.760
<v Speaker 3>like how long you plan to need money to last

0:33:48.760 --> 0:33:51.120
<v Speaker 3>you through retirement, because you know, let's say you have

0:33:51.200 --> 0:33:54.880
<v Speaker 3>fifteen twenty years of beautiful life ahead of you, that's

0:33:55.000 --> 0:33:58.720
<v Speaker 3>a pretty long time horizon for investing. And I think

0:33:58.720 --> 0:34:01.040
<v Speaker 3>it's a myth that people who are older shouldn't be

0:34:01.120 --> 0:34:03.440
<v Speaker 3>in the market. I think you just need to do it.

0:34:04.440 --> 0:34:06.280
<v Speaker 3>You have to do it wisely, with your time horizon

0:34:06.320 --> 0:34:10.960
<v Speaker 3>in mind, and yeah, and just be realistic about your expectations.

0:34:11.400 --> 0:34:14.520
<v Speaker 1>And I'll say this that ideally, if you're going to

0:34:14.680 --> 0:34:19.200
<v Speaker 1>enter into an investment, that you have at least five

0:34:19.320 --> 0:34:22.160
<v Speaker 1>years to kind of see something come to fruition.

0:34:22.320 --> 0:34:23.799
<v Speaker 2>But there's a couple of things.

0:34:23.840 --> 0:34:28.600
<v Speaker 1>One in retirement as in like if you think like

0:34:28.680 --> 0:34:30.920
<v Speaker 1>I'm just you know, I'm not going to work anymore,

0:34:31.760 --> 0:34:34.400
<v Speaker 1>or is it that you know, like I'm not going

0:34:34.480 --> 0:34:37.080
<v Speaker 1>to work at that job, But it doesn't mean like,

0:34:37.120 --> 0:34:40.160
<v Speaker 1>you know, I really like I don't know, teaching kids

0:34:40.160 --> 0:34:42.319
<v Speaker 1>how to like roller skate or whatever. So you would

0:34:42.360 --> 0:34:46.080
<v Speaker 1>still have other income coming in so because you might

0:34:46.120 --> 0:34:47.760
<v Speaker 1>just say, like, you know, I'm going to be sixty

0:34:47.760 --> 0:34:51.439
<v Speaker 1>five in two years, but if you don't have enough

0:34:51.560 --> 0:34:54.480
<v Speaker 1>money set aside to support you, then you will have

0:34:54.560 --> 0:34:56.799
<v Speaker 1>to continue to work, but maybe just not as much.

0:34:56.840 --> 0:35:00.080
<v Speaker 1>So just be open to that. They're you know, they're

0:35:00.640 --> 0:35:04.000
<v Speaker 1>certainly social Security income that you'll be eligible for, but

0:35:04.080 --> 0:35:07.080
<v Speaker 1>also you might want to continue to work part time

0:35:07.160 --> 0:35:10.040
<v Speaker 1>to supplement the fact that your retirement account might not

0:35:10.160 --> 0:35:13.279
<v Speaker 1>have all that you will need. But a couple of

0:35:13.360 --> 0:35:15.759
<v Speaker 1>years is not going to be able to make up

0:35:15.800 --> 0:35:20.840
<v Speaker 1>for you know, like decades of like setting aside for

0:35:20.840 --> 0:35:22.560
<v Speaker 1>a retirement. But it doesn't mean that you shouldn't set

0:35:22.560 --> 0:35:26.000
<v Speaker 1>aside something because but like the rule of thumbs typically

0:35:26.080 --> 0:35:28.440
<v Speaker 1>is that you're when you're looking to invest into the market,

0:35:28.480 --> 0:35:30.160
<v Speaker 1>to give it at least five years to kind of

0:35:30.200 --> 0:35:33.080
<v Speaker 1>bring something back. But even then, you know, ten thousand

0:35:33.160 --> 0:35:35.160
<v Speaker 1>is not going to turn into to one million in

0:35:35.640 --> 0:35:36.160
<v Speaker 1>five years.

0:35:36.200 --> 0:35:37.520
<v Speaker 2>I mean unless something crazy.

0:35:37.760 --> 0:35:40.680
<v Speaker 3>What if they're a person who has this is this

0:35:40.840 --> 0:35:43.920
<v Speaker 3>is also something that I've personally, you know, had people

0:35:43.920 --> 0:35:45.600
<v Speaker 3>in my family like this. They have a bunch of

0:35:45.640 --> 0:35:49.520
<v Speaker 3>money in cash but have never invested it and maybe

0:35:49.960 --> 0:35:52.880
<v Speaker 3>may listen this is a very thin question. Not But

0:35:52.920 --> 0:35:55.160
<v Speaker 3>let's just like play pretend, Like what if this person

0:35:55.280 --> 0:35:58.360
<v Speaker 3>has one hundred thousand dollars in cash that they have

0:35:58.440 --> 0:36:02.120
<v Speaker 3>just squirreled away throughout their entire and now they're like, well, okay,

0:36:02.120 --> 0:36:04.839
<v Speaker 3>I want to be sure that this money is you know,

0:36:04.920 --> 0:36:07.160
<v Speaker 3>going to last me through retirement, so maybe I should

0:36:07.200 --> 0:36:09.239
<v Speaker 3>invest a big chunk of it. And how can I

0:36:09.239 --> 0:36:11.880
<v Speaker 3>do that to ensure that it at least protects me

0:36:11.880 --> 0:36:12.520
<v Speaker 3>from inflation?

0:36:13.200 --> 0:36:14.240
<v Speaker 2>Which could be fair?

0:36:14.480 --> 0:36:17.719
<v Speaker 1>You know, No, you're right, because honestly, if I had

0:36:17.760 --> 0:36:21.640
<v Speaker 1>not found a Julie my financial planner, then that would

0:36:21.680 --> 0:36:24.919
<v Speaker 1>be me with all this money sitting in a safe

0:36:24.920 --> 0:36:28.080
<v Speaker 1>as account because I was terrified of making a mistake

0:36:28.160 --> 0:36:29.920
<v Speaker 1>like I did the first time I started investing.

0:36:30.120 --> 0:36:33.480
<v Speaker 2>So that's that's very feasible. Well, then yes, you want

0:36:33.480 --> 0:36:34.160
<v Speaker 2>to I would.

0:36:34.320 --> 0:36:37.439
<v Speaker 1>I would put in something conservative to Mandy's point, if

0:36:37.560 --> 0:36:40.239
<v Speaker 1>I probably would still leave myself. Let's just say you

0:36:40.320 --> 0:36:42.960
<v Speaker 1>are someone I'll probably leave myself with six months twenty

0:36:43.040 --> 0:36:45.520
<v Speaker 1>years worth of emergency fund and then put the rest

0:36:45.600 --> 0:36:50.120
<v Speaker 1>in a passive so a low something with a low

0:36:50.960 --> 0:36:54.840
<v Speaker 1>Uh what is that thing called expense ratio? Yes, expense ratie,

0:36:54.880 --> 0:36:57.279
<v Speaker 1>which is basically the fee that they charge you. So

0:36:57.320 --> 0:36:59.680
<v Speaker 1>I'll put it in an index fund that's passively managed,

0:36:59.719 --> 0:37:03.360
<v Speaker 1>because passively managed just means the algorithm picture investments actively

0:37:03.360 --> 0:37:06.160
<v Speaker 1>managements a human being, and anything that humans get close

0:37:06.200 --> 0:37:07.200
<v Speaker 1>to costs more money.

0:37:07.680 --> 0:37:08.400
<v Speaker 2>So I probably just.

0:37:08.400 --> 0:37:13.200
<v Speaker 1>Put it in an expense a low expensor ratio index fund,

0:37:13.480 --> 0:37:15.400
<v Speaker 1>like maybe like some S and P five hundred index

0:37:15.440 --> 0:37:18.399
<v Speaker 1>fund or something like that, or a total market index fund.

0:37:18.440 --> 0:37:22.600
<v Speaker 1>But I'm not your financial advisor or planner or whatever,

0:37:22.680 --> 0:37:24.440
<v Speaker 1>So this is just what I would do for Tiffany

0:37:25.640 --> 0:37:28.160
<v Speaker 1>and then and then you know, rock out and see

0:37:28.160 --> 0:37:31.120
<v Speaker 1>like what happens at least to start. But yeah, and

0:37:32.520 --> 0:37:37.040
<v Speaker 1>it's always best to help your money grow money money

0:37:37.080 --> 0:37:40.480
<v Speaker 1>to me, not to me. In just general, money is

0:37:40.600 --> 0:37:45.879
<v Speaker 1>like a tree or plant. It is a If it's

0:37:45.920 --> 0:37:48.680
<v Speaker 1>not growing, it's dying. Like if your plan is not growing,

0:37:48.719 --> 0:37:50.640
<v Speaker 1>it's not growing leaves, it's not growing taller, it's not

0:37:50.680 --> 0:37:53.280
<v Speaker 1>going right or however your plant grows. If your plant

0:37:53.320 --> 0:37:55.959
<v Speaker 1>stops growing, that means your plant is dying. And that's

0:37:56.000 --> 0:37:59.280
<v Speaker 1>literally what happens with the money. It must grow because

0:37:59.480 --> 0:38:03.640
<v Speaker 1>inflation says so, and inflation is when your money is

0:38:03.680 --> 0:38:06.160
<v Speaker 1>worth less over time, and things start to cost more

0:38:06.160 --> 0:38:08.399
<v Speaker 1>over time. This is why your grandma tells you when

0:38:08.440 --> 0:38:10.960
<v Speaker 1>I was young, baby, I bought a house for twenty

0:38:11.000 --> 0:38:13.200
<v Speaker 1>five thousand dollars. Of course you did, Grandma, because one

0:38:13.880 --> 0:38:16.000
<v Speaker 1>twenty five thousand dollars could do a lot more back then,

0:38:16.280 --> 0:38:19.800
<v Speaker 1>and two houses were cheaper. Over time, your money loses

0:38:19.920 --> 0:38:23.040
<v Speaker 1>value and overtime things cost more money. And so if

0:38:23.080 --> 0:38:25.080
<v Speaker 1>your money is not growing to at least keep the

0:38:25.120 --> 0:38:28.719
<v Speaker 1>pace of that, then your money is effectively dying. So

0:38:28.840 --> 0:38:31.240
<v Speaker 1>just keeping that in mind, just in general, anyone who's listening,

0:38:31.440 --> 0:38:34.520
<v Speaker 1>that you want to help your money grow or else

0:38:34.560 --> 0:38:37.640
<v Speaker 1>you are losing money hand over fists day after day.

0:38:37.680 --> 0:38:40.040
<v Speaker 1>Because I think the I just was reading the other

0:38:40.120 --> 0:38:43.240
<v Speaker 1>day that about every twenty years or so, the cost

0:38:43.280 --> 0:38:46.760
<v Speaker 1>of goods double. So if your grandma bought a house,

0:38:48.040 --> 0:38:51.760
<v Speaker 1>you know, forty years ago, the house has probably doubled twice.

0:38:51.840 --> 0:38:55.080
<v Speaker 1>So she bought it for fifty thousand, that same house

0:38:55.719 --> 0:38:57.959
<v Speaker 1>is probably going for about two hundred thousand right now.

0:38:58.160 --> 0:39:00.319
<v Speaker 1>So just keep that in mind that you want your

0:39:00.320 --> 0:39:03.640
<v Speaker 1>money to grow. Yeah, and when we say index funds again,

0:39:04.160 --> 0:39:08.080
<v Speaker 1>you know, without knowing your situation, and I honestly feel

0:39:08.160 --> 0:39:11.360
<v Speaker 1>like this is a really good time to maybe pursue

0:39:11.680 --> 0:39:14.320
<v Speaker 1>a relationship with an investment advisor. That sounds so romantic,

0:39:14.360 --> 0:39:17.360
<v Speaker 1>I didn't mean it that way. Look in your area

0:39:17.400 --> 0:39:20.400
<v Speaker 1>for reputable feel only a financial planner or investment advisor

0:39:20.400 --> 0:39:22.919
<v Speaker 1>in your area to work with, and we can post

0:39:22.960 --> 0:39:26.319
<v Speaker 1>some resources in our show notes to find someone who's

0:39:26.360 --> 0:39:27.360
<v Speaker 1>registered in your area.

0:39:27.400 --> 0:39:29.960
<v Speaker 3>And you know, God, do your background check and all

0:39:29.960 --> 0:39:32.560
<v Speaker 3>of that. But you know, when we say index fund,

0:39:32.680 --> 0:39:34.640
<v Speaker 3>there's different types of index funds. I mean you could

0:39:34.640 --> 0:39:37.080
<v Speaker 3>put your money into a bond index fund with bonds.

0:39:37.160 --> 0:39:40.120
<v Speaker 3>They're backed by the US government, which means that they're

0:39:40.160 --> 0:39:43.960
<v Speaker 3>guaranteed to make a certain percentage. And I think right now,

0:39:44.080 --> 0:39:47.600
<v Speaker 3>especially with things like more conservative deposit accounts like CDs

0:39:47.719 --> 0:39:50.000
<v Speaker 3>right now and money markets, their rates are so low

0:39:50.520 --> 0:39:52.759
<v Speaker 3>these days that you know, a bond et like a

0:39:52.760 --> 0:39:55.920
<v Speaker 3>bond index fund or bond etf may be better for

0:39:56.000 --> 0:39:58.640
<v Speaker 3>someone who wants to invest, but maybe not be as

0:39:58.760 --> 0:40:01.160
<v Speaker 3>risky as someone who has a much longer time horizon

0:40:01.239 --> 0:40:03.560
<v Speaker 3>in front of them. But I just want to get

0:40:03.960 --> 0:40:06.120
<v Speaker 3>across the point that it's not too late, and especially

0:40:06.160 --> 0:40:08.120
<v Speaker 3>if you're in that made up scenario that I created

0:40:08.120 --> 0:40:09.840
<v Speaker 3>for you, where you have a bunch of money sitting

0:40:09.840 --> 0:40:12.320
<v Speaker 3>in the bank in cash. You know, you want to

0:40:12.360 --> 0:40:15.040
<v Speaker 3>be conservative, but I do feel like there's value in

0:40:15.040 --> 0:40:17.960
<v Speaker 3>investing conservatively, Like Tiffany said, to be sure that that

0:40:18.000 --> 0:40:20.520
<v Speaker 3>money lasts as long as it possibly can for your

0:40:20.960 --> 0:40:22.120
<v Speaker 3>for your golden years.

0:40:22.360 --> 0:40:25.640
<v Speaker 2>Mm hmm. Your coding is. But that was good perspective,

0:40:26.239 --> 0:40:28.160
<v Speaker 2>mandra about like maybe they have a ton of money and.

0:40:28.080 --> 0:40:32.200
<v Speaker 1>It's just they just glass half full. Yeah, but it's

0:40:32.239 --> 0:40:35.640
<v Speaker 1>still here's the thing. People work, you know, like they

0:40:35.800 --> 0:40:38.120
<v Speaker 1>if you enjoy what you do, you know you don't.

0:40:38.520 --> 0:40:40.080
<v Speaker 2>You don't. I don't plan on sitting down.

0:40:40.120 --> 0:40:43.600
<v Speaker 1>I mean unless I get sat down, I you know,

0:40:43.800 --> 0:40:47.680
<v Speaker 1>just because I've already basically reached financial independence, I guess

0:40:47.680 --> 0:40:49.120
<v Speaker 1>you could say, and so I.

0:40:49.200 --> 0:40:51.719
<v Speaker 2>But I enjoy working. I enjoy what that looks like.

0:40:51.800 --> 0:40:55.800
<v Speaker 1>So certainly you can continue to work to support yourself,

0:40:55.800 --> 0:40:58.040
<v Speaker 1>but also you can enjoy the work as well, so

0:40:58.080 --> 0:40:59.080
<v Speaker 1>don't feel bad about that.

0:41:00.120 --> 0:41:03.080
<v Speaker 3>Yeah, let's take another question. This is from the opposite

0:41:03.160 --> 0:41:04.960
<v Speaker 3>end of the age spectrum, and it kind of just

0:41:05.000 --> 0:41:07.520
<v Speaker 3>shows you the wide range of ages who listen to

0:41:07.560 --> 0:41:10.040
<v Speaker 3>our show, which is kind of amazing. This comes from

0:41:10.040 --> 0:41:13.920
<v Speaker 3>Instagram user. Her name is Aliah Ailiah, which I think

0:41:13.960 --> 0:41:15.919
<v Speaker 3>she spelled phonetically so that I could say it, which

0:41:15.920 --> 0:41:18.919
<v Speaker 3>means she doesn't want to be anonymous. Ya Aliyah, thank

0:41:18.960 --> 0:41:20.680
<v Speaker 3>you for your question. Aliah, she says, due to my

0:41:20.760 --> 0:41:23.640
<v Speaker 3>financial aid situation and the onset of COVID, I've come

0:41:23.680 --> 0:41:27.080
<v Speaker 3>across a generous amount of refunds and stipends from my school.

0:41:27.560 --> 0:41:29.760
<v Speaker 3>I want to do something with the extra money sitting

0:41:29.760 --> 0:41:32.239
<v Speaker 3>in my savings that will possibly help me out later on.

0:41:32.680 --> 0:41:35.319
<v Speaker 3>Do you guys have any suggestions for a nineteen year

0:41:35.320 --> 0:41:37.520
<v Speaker 3>old trying to set herself up for success?

0:41:38.520 --> 0:41:43.920
<v Speaker 2>Oohoo, Aliah. So she's in school, she has stipends leftover.

0:41:43.640 --> 0:41:45.879
<v Speaker 3>Some refunds, some stipends from the school, so she's got

0:41:45.880 --> 0:41:48.160
<v Speaker 3>some cash sitting in the bank and is wanting to

0:41:48.160 --> 0:41:51.200
<v Speaker 3>know if we have suggestions. She's nineteen trying to set

0:41:51.239 --> 0:41:52.719
<v Speaker 3>herself up for success later.

0:41:53.840 --> 0:41:56.120
<v Speaker 1>Well, I would say, first and foremost, Aliyah, just to

0:41:56.120 --> 0:42:00.440
<v Speaker 1>have your little emergency fund stash, you know, like three

0:42:00.520 --> 0:42:04.520
<v Speaker 1>months is okay? Six months is better of like your

0:42:04.560 --> 0:42:07.560
<v Speaker 1>basic beer bowls expenses. So I like to I don't

0:42:07.800 --> 0:42:09.719
<v Speaker 1>when I think of emergency funds, I don't think like, oh,

0:42:09.719 --> 0:42:11.400
<v Speaker 1>three months of how much I make, I'm like, no, no.

0:42:11.480 --> 0:42:13.120
<v Speaker 1>If I had to drop down and get my noodle

0:42:13.200 --> 0:42:15.080
<v Speaker 1>on with my noodle budget, which is just your if

0:42:15.120 --> 0:42:17.719
<v Speaker 1>you had to eat ramen noodle's budget, if you had

0:42:17.760 --> 0:42:21.000
<v Speaker 1>to get real cheap budget, how much.

0:42:20.880 --> 0:42:22.239
<v Speaker 2>Is that that does that life cost me?

0:42:22.280 --> 0:42:24.279
<v Speaker 1>Because my assumption is if you lose your income, you

0:42:24.560 --> 0:42:27.440
<v Speaker 1>should be dropping down to that budget anyway. So multiply

0:42:27.520 --> 0:42:30.600
<v Speaker 1>that time three, multiply that time six, and if that

0:42:30.719 --> 0:42:34.480
<v Speaker 1>money is enough, if it's just barely enough to cover that,

0:42:34.520 --> 0:42:36.319
<v Speaker 1>then that was it. That's all I would do. I

0:42:36.320 --> 0:42:39.359
<v Speaker 1>know people don't like to hear save, but that's your

0:42:39.360 --> 0:42:42.120
<v Speaker 1>first line defense should something happen. And then if you

0:42:42.160 --> 0:42:45.360
<v Speaker 1>have money outside of that lee I would. I wonder

0:42:45.440 --> 0:42:47.440
<v Speaker 1>did she say if she's working, she's just in school.

0:42:47.719 --> 0:42:49.480
<v Speaker 2>She does not mention if she's working or not.

0:42:50.200 --> 0:42:54.920
<v Speaker 4>Well, if you were working, I would probably If it

0:42:54.960 --> 0:42:57.479
<v Speaker 4>was me, I would probably see if I could start

0:42:58.120 --> 0:43:00.920
<v Speaker 4>a raw FIRA and start putting money aside if I

0:43:00.960 --> 0:43:04.160
<v Speaker 4>was working, because earlier you could start is setting aside

0:43:04.160 --> 0:43:05.200
<v Speaker 4>and investing for retirement.

0:43:05.239 --> 0:43:05.640
<v Speaker 2>The better.

0:43:06.520 --> 0:43:08.440
<v Speaker 1>If you're not working, you can certainly just open up

0:43:08.480 --> 0:43:14.160
<v Speaker 1>a regular investment account. There's no tax advantage there, but

0:43:14.480 --> 0:43:17.080
<v Speaker 1>you know, you could start to set aside of money,

0:43:17.080 --> 0:43:21.680
<v Speaker 1>like we shared with the other young woman earlier about

0:43:21.719 --> 0:43:24.440
<v Speaker 1>looking into putting money to set aside, like in an

0:43:24.520 --> 0:43:27.440
<v Speaker 1>index fund. Or you can start your target date fund,

0:43:27.440 --> 0:43:29.279
<v Speaker 1>which we've talked about many times on the show. Because

0:43:29.280 --> 0:43:32.480
<v Speaker 1>you're so young, it will be aggressively invested, and if

0:43:32.520 --> 0:43:34.000
<v Speaker 1>you didn't know how to do anything, you can.

0:43:34.880 --> 0:43:36.160
<v Speaker 2>If you put your money in the target.

0:43:36.040 --> 0:43:38.160
<v Speaker 1>Day fund and say, hey, I plan on retiring in

0:43:38.280 --> 0:43:41.799
<v Speaker 1>forty years, it would invest very aggressively for now, for

0:43:41.880 --> 0:43:43.520
<v Speaker 1>you for now, and then the older the culture you

0:43:43.560 --> 0:43:45.640
<v Speaker 1>got to retirement, it become more and more conservative.

0:43:45.880 --> 0:43:46.960
<v Speaker 2>So that's what I would do.

0:43:47.000 --> 0:43:51.600
<v Speaker 1>I would save retirement if I'm working, and then invest

0:43:51.800 --> 0:43:53.280
<v Speaker 1>for wealth if I'm not working.

0:43:54.719 --> 0:43:57.919
<v Speaker 3>I love it. I agree wholeheartedly. You're so young, sounds

0:43:57.960 --> 0:44:00.600
<v Speaker 3>like you're probably early into your college career too. I

0:44:00.600 --> 0:44:02.200
<v Speaker 3>think you want to have some savings in the bank

0:44:02.280 --> 0:44:04.040
<v Speaker 3>just as a cash cushion. I mean, you're also going

0:44:04.080 --> 0:44:06.239
<v Speaker 3>to graduate, and you know, I really hope that there's

0:44:06.239 --> 0:44:07.960
<v Speaker 3>a better job market by the time you graduate, but

0:44:08.040 --> 0:44:11.000
<v Speaker 3>let's say there isn't. You'll have that cash cushion and

0:44:11.200 --> 0:44:13.560
<v Speaker 3>look up all the different you know, when you get

0:44:13.560 --> 0:44:16.360
<v Speaker 3>closer to graduation. If you have federal student loans, you know,

0:44:16.400 --> 0:44:19.080
<v Speaker 3>look up the different programs that are there that I

0:44:19.080 --> 0:44:21.399
<v Speaker 3>hope will still be there when you graduate, where you

0:44:21.440 --> 0:44:24.640
<v Speaker 3>can get on income based repayment plans to make your

0:44:24.680 --> 0:44:28.640
<v Speaker 3>student loans more affordable after college, so you don't immediately

0:44:28.719 --> 0:44:30.480
<v Speaker 3>run through your savings should you need it. You know,

0:44:30.560 --> 0:44:33.839
<v Speaker 3>you can keep that savings for other expenses or, like

0:44:33.880 --> 0:44:36.280
<v Speaker 3>Tiffany said, invest a chunk of it for your future.

0:44:37.239 --> 0:44:39.360
<v Speaker 2>But you're on the right track. Nineteen years old and

0:44:39.360 --> 0:44:41.240
<v Speaker 2>listening to Brown Ambition, which awesome?

0:44:41.800 --> 0:44:44.800
<v Speaker 3>Could it get any more like the spectrum there nineteen

0:44:44.840 --> 0:44:47.640
<v Speaker 3>years old in college versus someone who's close to retirement

0:44:47.680 --> 0:44:50.600
<v Speaker 3>and wanting to invest. Yeah, love it. Thank you guys

0:44:50.600 --> 0:44:53.279
<v Speaker 3>so much for your questions. They are the best part

0:44:53.320 --> 0:44:56.040
<v Speaker 3>about doing this show again. Hit us up on Instagram

0:44:56.080 --> 0:44:59.120
<v Speaker 3>at Brand Ambission Podcast. You can send us a DM

0:44:59.160 --> 0:45:01.840
<v Speaker 3>there and I will re them and sometimes I respond,

0:45:02.160 --> 0:45:06.600
<v Speaker 3>and also our email Brand Ambitionpodcast at gmail dot com dot.

0:45:09.480 --> 0:45:11.120
<v Speaker 2>All Right, ready for a boost and break.

0:45:11.840 --> 0:45:15.799
<v Speaker 1>It's time to booster a breaker, Booster break or boo

0:45:15.800 --> 0:45:19.239
<v Speaker 1>boo boo boost but book break break? So I know

0:45:19.320 --> 0:45:22.040
<v Speaker 1>you said you kind of have a break. Do you

0:45:22.040 --> 0:45:23.839
<v Speaker 1>want to breakfast or boot first? Or should I boost

0:45:23.840 --> 0:45:24.800
<v Speaker 1>first before you break?

0:45:25.400 --> 0:45:28.439
<v Speaker 3>I don't know what do you what do you want?

0:45:28.520 --> 0:45:29.840
<v Speaker 3>Do you want me to go first or do you

0:45:29.840 --> 0:45:31.439
<v Speaker 3>want to go because I'm ready either way.

0:45:32.120 --> 0:45:34.960
<v Speaker 1>If if you're gonna boo, if you're gonna break, I say,

0:45:35.000 --> 0:45:36.880
<v Speaker 1>maybe go first to stuff. We can end up a lighter note.

0:45:37.080 --> 0:45:39.319
<v Speaker 1>If you're going to boost, then we can. It doesn't matter.

0:45:40.200 --> 0:45:42.680
<v Speaker 3>I'm gonna okay. If people are confused, all right, let

0:45:42.680 --> 0:45:46.000
<v Speaker 3>me just get into it. So today, oh man, this

0:45:46.040 --> 0:45:47.920
<v Speaker 3>man makes me so uncomfortable to look at it.

0:45:47.960 --> 0:45:48.520
<v Speaker 2>Don't know why.

0:45:48.600 --> 0:45:52.120
<v Speaker 3>But Jared Kushner, Uh, if you don't know who he is,

0:45:52.160 --> 0:45:54.840
<v Speaker 3>he is Avonka Trump's husband, and he is I don't know,

0:45:54.880 --> 0:45:56.680
<v Speaker 3>He's got some crazy title in the White House. He's

0:45:56.680 --> 0:46:01.200
<v Speaker 3>basically like Trump's one of Trump's right hand men. And

0:46:01.480 --> 0:46:05.239
<v Speaker 3>he got on Fox News today and decided to talk

0:46:05.280 --> 0:46:07.520
<v Speaker 3>about you know, Obama or not Obama.

0:46:07.560 --> 0:46:10.320
<v Speaker 2>Oh my goodness, what is happening with my mind right now? Trump?

0:46:10.960 --> 0:46:12.840
<v Speaker 3>Trump likes to say that he has done more for

0:46:12.920 --> 0:46:17.439
<v Speaker 3>black people than anyone since Abraham Lincoln. Okay, we don't

0:46:17.440 --> 0:46:19.960
<v Speaker 3>need you don't need us to fact check that for you. Anyhow,

0:46:20.080 --> 0:46:22.600
<v Speaker 3>Kushner was on Fox News of all places, and decided

0:46:22.600 --> 0:46:26.440
<v Speaker 3>to imply that he doesn't think black people want to

0:46:26.440 --> 0:46:28.960
<v Speaker 3>be successful. And he was essentially saying, you know, we

0:46:29.120 --> 0:46:31.759
<v Speaker 3>can't want them to be more successful than they want

0:46:31.800 --> 0:46:35.239
<v Speaker 3>to be successful, which is extremely condescending and problematic on

0:46:35.400 --> 0:46:38.040
<v Speaker 3>so many levels. But I want to flip that because

0:46:38.160 --> 0:46:41.200
<v Speaker 3>while this is you know, so common amongst people who

0:46:41.280 --> 0:46:44.319
<v Speaker 3>want to roll their eyes at minorities, and you know,

0:46:44.400 --> 0:46:47.399
<v Speaker 3>whenever someone tries to acknowledge that maybe we were set

0:46:47.480 --> 0:46:50.880
<v Speaker 3>back just a little bit of a disadvantage by centuries

0:46:50.960 --> 0:46:54.719
<v Speaker 3>of systemic racism and slavery and oppression, people like to

0:46:54.719 --> 0:46:57.359
<v Speaker 3>say that we're just wining and all that. So what

0:46:57.400 --> 0:47:01.120
<v Speaker 3>I liked about this story is that there's a representative

0:47:01.160 --> 0:47:04.239
<v Speaker 3>from Arizona. His name is Reuben Gallego or a Galego.

0:47:05.120 --> 0:47:06.719
<v Speaker 3>I'm not sure how you pronounced his last name. He

0:47:06.880 --> 0:47:10.360
<v Speaker 3>went to Twitter when this thread, when this Kushner interview

0:47:10.360 --> 0:47:13.239
<v Speaker 3>went viral, and he started this thread, which I thought

0:47:13.280 --> 0:47:15.839
<v Speaker 3>was so impactful. He and I'm just going to read

0:47:15.920 --> 0:47:19.800
<v Speaker 3>his thread because he also went to Harvard like Jared Kushner,

0:47:19.840 --> 0:47:22.239
<v Speaker 3>and he basically is like, listen to my story. Let

0:47:22.239 --> 0:47:24.320
<v Speaker 3>me tell you what I did to get into Harvard

0:47:24.680 --> 0:47:28.120
<v Speaker 3>compared to what Jared Kushner did. He says, and this

0:47:28.239 --> 0:47:30.440
<v Speaker 3>is just like a real quick reading of his thread,

0:47:30.480 --> 0:47:32.919
<v Speaker 3>and imagine this is all the steps it took him,

0:47:33.280 --> 0:47:36.120
<v Speaker 3>a minority to get into the same school as Jared Kushner.

0:47:36.600 --> 0:47:39.040
<v Speaker 3>My freshman year of high school, I realized the only

0:47:39.080 --> 0:47:40.839
<v Speaker 3>way to college was going to happen if I did

0:47:40.840 --> 0:47:43.480
<v Speaker 3>well on my exams. So I bought used prep exam

0:47:43.520 --> 0:47:47.160
<v Speaker 3>books and started copying exams from the library. That librarian

0:47:47.239 --> 0:47:48.840
<v Speaker 3>is a close friend to this day. Shout out to

0:47:48.880 --> 0:47:51.399
<v Speaker 3>missus Conley. I was luckily enough to have a job

0:47:51.400 --> 0:47:54.160
<v Speaker 3>that let me practice tests in between flipping burgers. I

0:47:54.280 --> 0:47:56.640
<v Speaker 3>used that money to pay for extra curriculars that would

0:47:56.640 --> 0:47:59.759
<v Speaker 3>look good on a college resume. Not knowing anyone that

0:48:00.200 --> 0:48:03.000
<v Speaker 3>to Harvard, I looked up students in the student directory.

0:48:03.360 --> 0:48:06.040
<v Speaker 3>I called anyone that had a Latino sounding name and

0:48:06.120 --> 0:48:09.160
<v Speaker 3>left messages. A few returned my calls and helped guide

0:48:09.160 --> 0:48:12.000
<v Speaker 3>me to get ready to apply for college. Junior year,

0:48:12.120 --> 0:48:16.040
<v Speaker 3>I intensified my practice exams, added more AP exams, became

0:48:16.040 --> 0:48:19.160
<v Speaker 3>student council president, had my after school job as well

0:48:19.200 --> 0:48:22.879
<v Speaker 3>as other extracurriculars. Senior year, I might be the only

0:48:22.920 --> 0:48:25.360
<v Speaker 3>student to apply to Harvard using money orders, but I

0:48:25.400 --> 0:48:28.480
<v Speaker 3>did it using a friend's computer to apply. Thank you

0:48:28.520 --> 0:48:30.839
<v Speaker 3>to that family, and I figured out how to do

0:48:30.960 --> 0:48:35.680
<v Speaker 3>estimated taxes to do the FASVA. Then the interview process. First,

0:48:35.960 --> 0:48:37.839
<v Speaker 3>my interview was on the North side of Chicago at

0:48:37.840 --> 0:48:41.120
<v Speaker 3>six thirty pm. My mom works five pm downtown. She

0:48:41.160 --> 0:48:43.319
<v Speaker 3>won't make it back in time to drive. I left

0:48:43.320 --> 0:48:46.359
<v Speaker 3>school early to take the bus to the interview, take

0:48:46.360 --> 0:48:48.479
<v Speaker 3>the Blue Line out, take another bus, and then walk

0:48:48.520 --> 0:48:52.200
<v Speaker 3>the last mile. My interviewer hadn't ever had an applicant

0:48:52.280 --> 0:48:55.319
<v Speaker 3>take public transportation to see her. She was surprised when

0:48:55.320 --> 0:48:57.080
<v Speaker 3>I told her I was taking it back home. She

0:48:57.160 --> 0:48:59.320
<v Speaker 3>was kind enough to drop me off at the bus stop.

0:49:00.160 --> 0:49:03.200
<v Speaker 3>Finally accepted. I was so lucky to have a supportive

0:49:03.200 --> 0:49:05.640
<v Speaker 3>mom and sisters that encouraged me the whole way. They

0:49:05.680 --> 0:49:07.960
<v Speaker 3>did countless things to make it happen. Thank you, Familiar.

0:49:08.320 --> 0:49:09.960
<v Speaker 3>Now let me tell you what Jared did to get

0:49:09.960 --> 0:49:12.920
<v Speaker 3>into Harvard. His parents paid millions of dollars to get

0:49:12.960 --> 0:49:15.239
<v Speaker 3>him there, So I won't take lectures about who wants

0:49:15.280 --> 0:49:17.719
<v Speaker 3>to succeed more from a man who couldn't do it

0:49:17.760 --> 0:49:22.279
<v Speaker 3>without money from his parents. Microphone drop exactly right.

0:49:22.520 --> 0:49:26.200
<v Speaker 1>He did not have the greats nor the SAT scores,

0:49:26.239 --> 0:49:28.319
<v Speaker 1>but what his parents did do was donut. I think

0:49:28.320 --> 0:49:31.560
<v Speaker 1>it was two point five million dollars to Harvard. So

0:49:31.640 --> 0:49:32.279
<v Speaker 1>here's the thing.

0:49:32.920 --> 0:49:35.360
<v Speaker 2>And his dad also went to jail just saying, look it.

0:49:35.400 --> 0:49:38.120
<v Speaker 1>Up it what's so crazy to me? And I know

0:49:38.120 --> 0:49:41.400
<v Speaker 1>we're preaching to like the Briannabish and choir. Here is

0:49:41.480 --> 0:49:45.759
<v Speaker 1>that preach there is If Jared don't have nothing else,

0:49:45.800 --> 0:49:51.600
<v Speaker 1>he has the audacity, the white male privileged audacity. You

0:49:51.719 --> 0:49:55.319
<v Speaker 1>really believe that you are special, that somehow you are

0:49:55.360 --> 0:49:59.960
<v Speaker 1>where you are because you are smart, that you work hard,

0:50:00.400 --> 0:50:07.200
<v Speaker 1>that you put yourself in that position. It's just categorically

0:50:07.239 --> 0:50:10.279
<v Speaker 1>not true. You couldn't even get into college without your

0:50:10.440 --> 0:50:14.000
<v Speaker 1>paying two point five million dollars. Bro, that's expensive for

0:50:14.440 --> 0:50:19.399
<v Speaker 1>expensive stupidity, Like bro, people, I mean people have gotten

0:50:19.440 --> 0:50:22.200
<v Speaker 1>to college for less. Okay, it just shows the level

0:50:22.400 --> 0:50:24.799
<v Speaker 1>of stupidity that you brought to the table that it

0:50:24.840 --> 0:50:28.080
<v Speaker 1>took Harvard. It took two point five million dollars for

0:50:28.120 --> 0:50:31.439
<v Speaker 1>Harvard to say, Okay, well loot dummy, here in here.

0:50:31.600 --> 0:50:33.879
<v Speaker 1>So that just is crazy to me. You're not here

0:50:33.960 --> 0:50:36.200
<v Speaker 1>because of your own merit, not even a little bit.

0:50:37.040 --> 0:50:40.319
<v Speaker 1>That's what I struggle with when I see people who

0:50:41.040 --> 0:50:45.680
<v Speaker 1>have privilege and talk as if somehow they've earned it.

0:50:46.040 --> 0:50:48.600
<v Speaker 1>You're not here by your own hand. You're not here

0:50:48.719 --> 0:50:51.680
<v Speaker 1>because of your merit. You're here because of luck of

0:50:51.719 --> 0:50:53.799
<v Speaker 1>the draw. That's it. That's it.

0:50:54.480 --> 0:50:56.080
<v Speaker 2>And if you if I placed.

0:50:55.760 --> 0:50:58.680
<v Speaker 1>You any place else in the world with less, you

0:50:58.719 --> 0:51:01.480
<v Speaker 1>would come out. You would not come out the same

0:51:01.520 --> 0:51:04.279
<v Speaker 1>place where you are now. Those people who like the

0:51:04.280 --> 0:51:06.920
<v Speaker 1>the Gentleman's sweet that you read l all the grit,

0:51:07.280 --> 0:51:11.440
<v Speaker 1>all of the the consistency, all the work that he

0:51:11.560 --> 0:51:13.880
<v Speaker 1>had to do to get where he is. He earned

0:51:14.000 --> 0:51:17.319
<v Speaker 1>that spot. And so I'm not surprised, you know, I'm

0:51:17.400 --> 0:51:19.840
<v Speaker 1>just you know, it's just more of the same. Honestly,

0:51:19.920 --> 0:51:22.640
<v Speaker 1>I I've learned not to. It's so easy to go

0:51:22.719 --> 0:51:26.520
<v Speaker 1>down the rabbit hole and to get so livid. I

0:51:26.560 --> 0:51:28.120
<v Speaker 1>was just doing a keynote the other day, and I

0:51:28.160 --> 0:51:29.759
<v Speaker 1>just wish the lady had not asked me this question.

0:51:29.840 --> 0:51:31.680
<v Speaker 1>She was we were talking about like race or whatever,

0:51:32.080 --> 0:51:33.680
<v Speaker 1>and I was telling her about like the whole my

0:51:33.719 --> 0:51:35.799
<v Speaker 1>whole house situation, which I actually have.

0:51:35.800 --> 0:51:36.479
<v Speaker 2>Really good news.

0:51:36.480 --> 0:51:39.239
<v Speaker 1>Well you know, I'm gonna say it. I have really

0:51:39.239 --> 0:51:42.840
<v Speaker 1>good news. So it's funny because uh, I was. I

0:51:42.920 --> 0:51:45.680
<v Speaker 1>was speaking at Big Brother's Big Sister. No, yeah, Big

0:51:45.680 --> 0:51:47.400
<v Speaker 1>Brother's Big Sisters. I was doing a keynote for their

0:51:47.480 --> 0:51:50.759
<v Speaker 1>national organization, and I was donating my time and then

0:51:50.840 --> 0:51:53.439
<v Speaker 1>we I was talking with the CEO, and I don't

0:51:53.440 --> 0:51:55.120
<v Speaker 1>know how we got to talking about race, but we

0:51:55.200 --> 0:51:57.279
<v Speaker 1>ended up talking about how because so many of the

0:51:57.360 --> 0:52:00.920
<v Speaker 1>kids are are black and brown children, and I was

0:52:00.960 --> 0:52:03.480
<v Speaker 1>sharing how it's so frustrating because it's like you can't

0:52:03.520 --> 0:52:05.719
<v Speaker 1>outwork racism. And I was sharing how, you know, my

0:52:05.719 --> 0:52:09.439
<v Speaker 1>house was undervalued, and even I was questioning myself whether

0:52:09.520 --> 0:52:11.680
<v Speaker 1>or not maybe I had made too big of a

0:52:11.719 --> 0:52:13.279
<v Speaker 1>deal out of it, that maybe that's just not true

0:52:13.400 --> 0:52:16.200
<v Speaker 1>until the New York Times interviewed me and took my

0:52:17.000 --> 0:52:20.759
<v Speaker 1>you know, took a copy of my my appraisal and

0:52:20.800 --> 0:52:24.719
<v Speaker 1>had it independently appraised by someone else. And that guy

0:52:24.880 --> 0:52:27.080
<v Speaker 1>was like, I don't understand, why are these the comps

0:52:27.080 --> 0:52:29.960
<v Speaker 1>for her house? Her house? Is newly renovated, these comps

0:52:29.960 --> 0:52:33.440
<v Speaker 1>are not. And two why they've labeled her house. I

0:52:33.440 --> 0:52:35.680
<v Speaker 1>think it's like a C two instead of a C three.

0:52:35.880 --> 0:52:39.000
<v Speaker 1>Her house was renovated less than five months ago, which

0:52:39.000 --> 0:52:40.680
<v Speaker 1>would say a newly renovated house.

0:52:40.719 --> 0:52:41.680
<v Speaker 2>I think that's like C three.

0:52:41.800 --> 0:52:43.640
<v Speaker 1>But they have her down for C two, which is

0:52:44.239 --> 0:52:46.080
<v Speaker 1>an older house that has wear and tear.

0:52:46.680 --> 0:52:49.319
<v Speaker 2>Oh, I'll tell you why. Racism. So when I.

0:52:49.320 --> 0:52:51.640
<v Speaker 1>Got that report back from the New York Times after

0:52:51.760 --> 0:52:54.960
<v Speaker 1>their investigative report, then I was like, Tiffany.

0:52:54.600 --> 0:52:56.080
<v Speaker 2>You're even doing it to yourself. Were You're like, well,

0:52:56.080 --> 0:52:57.480
<v Speaker 2>maybe I'm making too much of be a deal about it.

0:52:57.560 --> 0:52:59.680
<v Speaker 1>So anyway, I was telling her that, and I felt

0:52:59.719 --> 0:53:01.160
<v Speaker 1>so bad because I felt like I was bringing that

0:53:01.200 --> 0:53:04.520
<v Speaker 1>anger with me during my during my speech, and I

0:53:04.600 --> 0:53:05.640
<v Speaker 1>just say all that to say.

0:53:05.440 --> 0:53:08.399
<v Speaker 2>That it can be. So what can you do?

0:53:09.040 --> 0:53:09.239
<v Speaker 4>You know?

0:53:09.400 --> 0:53:10.800
<v Speaker 1>And I said, I was like, the only thing you

0:53:10.800 --> 0:53:12.479
<v Speaker 1>could do is like write a damn law. I can't

0:53:12.480 --> 0:53:16.520
<v Speaker 1>write laws. And don't you know that day the angel

0:53:16.880 --> 0:53:20.080
<v Speaker 1>Angelavie McKnight, who you might remember her from the Budget

0:53:20.120 --> 0:53:24.120
<v Speaker 1>Nesta laws. She is the assembly woman of in Jersey

0:53:24.160 --> 0:53:26.799
<v Speaker 1>City who reached out to me and said, I want

0:53:26.840 --> 0:53:28.880
<v Speaker 1>to I want to write a law about education and

0:53:28.920 --> 0:53:31.719
<v Speaker 1>about financial education, and we work together to create the

0:53:31.719 --> 0:53:34.720
<v Speaker 1>budget Neiste Law, which makes it mandatory for middle school

0:53:34.760 --> 0:53:35.560
<v Speaker 1>students to learn.

0:53:36.160 --> 0:53:37.560
<v Speaker 2>Financial education in school.

0:53:37.840 --> 0:53:40.840
<v Speaker 1>She said, I've been following your story about you, posting

0:53:40.880 --> 0:53:44.640
<v Speaker 1>about you know, how you know, like what happened to

0:53:44.680 --> 0:53:47.080
<v Speaker 1>you and in your home and how this is this

0:53:47.120 --> 0:53:49.880
<v Speaker 1>is a pandemic and an epidemic for black and brown people,

0:53:49.880 --> 0:53:52.239
<v Speaker 1>and how their homes are under praise. She said, I

0:53:52.320 --> 0:53:54.640
<v Speaker 1>want to write a law. Can you imagine many? I

0:53:54.680 --> 0:53:56.640
<v Speaker 1>literally just said there's nothing I could do. I can't

0:53:56.640 --> 0:53:57.359
<v Speaker 1>make a law, and.

0:53:57.320 --> 0:53:59.839
<v Speaker 2>She's like, let's make a law. I was like, wait what?

0:54:02.040 --> 0:54:04.440
<v Speaker 1>So she actually set me something to read. I hope

0:54:04.440 --> 0:54:06.080
<v Speaker 1>I'm not preemptively but whatever, I mean, it's going to

0:54:06.120 --> 0:54:06.719
<v Speaker 1>be public soon.

0:54:06.760 --> 0:54:10.480
<v Speaker 2>But that finally something to do.

0:54:10.719 --> 0:54:13.360
<v Speaker 1>I hate this Jared Kushner thing because I feel like

0:54:13.360 --> 0:54:15.200
<v Speaker 1>there's nothing to do there. He's an idiot, and I

0:54:15.239 --> 0:54:17.360
<v Speaker 1>mean literally not just an idiot because he said it,

0:54:17.360 --> 0:54:19.600
<v Speaker 1>he's an idiot. He didn't get it too. Harvard's he's

0:54:19.600 --> 0:54:22.759
<v Speaker 1>an idiot, you know. So I but there's nothing, there's

0:54:22.800 --> 0:54:23.879
<v Speaker 1>no place.

0:54:23.560 --> 0:54:24.680
<v Speaker 2>To push that energy.

0:54:24.880 --> 0:54:27.879
<v Speaker 1>But here I can proactively say, I'm going to work

0:54:27.880 --> 0:54:31.000
<v Speaker 1>on this law with Angela. I'm going to make it

0:54:31.239 --> 0:54:37.239
<v Speaker 1>illegal for you to appraise someone's house lower because of

0:54:37.280 --> 0:54:40.080
<v Speaker 1>their race or gender or anything else. And then I'm

0:54:40.120 --> 0:54:43.480
<v Speaker 1>going to blast that law anywhere, so anywhere. Unfortunately, right

0:54:43.480 --> 0:54:45.960
<v Speaker 1>now I'm only i only have access here to New Jersey.

0:54:46.160 --> 0:54:48.400
<v Speaker 1>But I'm letting everyone know if your appraising, you'll come

0:54:48.480 --> 0:54:50.759
<v Speaker 1>to the house and he on that bullshit, Okay, let

0:54:50.880 --> 0:54:54.120
<v Speaker 1>him know. There's a long place. So think once, twice, thrice, Okay.

0:54:54.400 --> 0:54:56.880
<v Speaker 1>So I just say there's a happy ending to things

0:54:56.920 --> 0:54:59.440
<v Speaker 1>like like this that you know. I try not to

0:54:59.440 --> 0:55:01.959
<v Speaker 1>focus on much on like the things that I can't

0:55:02.080 --> 0:55:06.480
<v Speaker 1>change because it's it's overwhelming and it's it's counter productive

0:55:06.480 --> 0:55:09.239
<v Speaker 1>for me. But Jared Kushner as well as Iced Tea

0:55:09.239 --> 0:55:10.040
<v Speaker 1>are both idiots.

0:55:10.800 --> 0:55:14.600
<v Speaker 3>See, I feel like they count on our and they

0:55:14.600 --> 0:55:17.960
<v Speaker 3>count on our cynicism, they count on the you know,

0:55:18.080 --> 0:55:20.080
<v Speaker 3>the like people in my neighborhood I mentioned, I live

0:55:20.120 --> 0:55:22.600
<v Speaker 3>in a mostly black neighborhood. It's it's been here for

0:55:22.880 --> 0:55:26.879
<v Speaker 3>since they're mid or sorry, the early nineteen hundreds of

0:55:27.040 --> 0:55:30.560
<v Speaker 3>like one of the oldest middle class black neighborhoods in

0:55:30.600 --> 0:55:34.560
<v Speaker 3>our county. And when I mentioned the fact that, you know,

0:55:34.600 --> 0:55:37.960
<v Speaker 3>I was talking to our someone who's on the local

0:55:38.000 --> 0:55:39.919
<v Speaker 3>town board, and I was saying, you know, I think

0:55:39.960 --> 0:55:42.160
<v Speaker 3>this is why home values here are so low. He's like,

0:55:42.160 --> 0:55:44.839
<v Speaker 3>oh yeah, oh yeah, who you're telling We know that.

0:55:45.360 --> 0:55:47.919
<v Speaker 3>But it's it's almost like a joke. It's almost like, yeah,

0:55:47.920 --> 0:55:49.880
<v Speaker 3>we know. That's just you know, that's the way it is.

0:55:49.960 --> 0:55:52.360
<v Speaker 3>And I think people count on that. And and I

0:55:52.400 --> 0:55:54.840
<v Speaker 3>think you're right, Tiffany, like we need they need, we

0:55:54.920 --> 0:55:57.080
<v Speaker 3>need to have the energy. We need to talk to

0:55:57.120 --> 0:55:59.680
<v Speaker 3>our local officials. You know, you're in Jersey, but this

0:55:59.760 --> 0:56:03.000
<v Speaker 3>is how across the nation. So contact your local legislator,

0:56:03.000 --> 0:56:06.200
<v Speaker 3>like contact they represent you. They're meant to. It's more

0:56:06.239 --> 0:56:08.799
<v Speaker 3>convenient if we don't think that they do anything for us,

0:56:08.840 --> 0:56:10.879
<v Speaker 3>because then we don't bother them with our phone calls

0:56:10.880 --> 0:56:13.960
<v Speaker 3>and emails, you know. But I think we have to.

0:56:14.040 --> 0:56:15.840
<v Speaker 3>We have to speak up and share our stories. And

0:56:16.920 --> 0:56:18.719
<v Speaker 3>I think this is a really good example of that.

0:56:18.840 --> 0:56:21.919
<v Speaker 3>Is when you find someone when those two things meet,

0:56:21.960 --> 0:56:24.000
<v Speaker 3>so a citizen who has a story to share that

0:56:24.120 --> 0:56:27.960
<v Speaker 3>is you know, blatant racism, systemic racism, You know, holding

0:56:28.000 --> 0:56:31.920
<v Speaker 3>someone back from from financial success. And then you have

0:56:32.160 --> 0:56:35.880
<v Speaker 3>a lawmaker who's willing to do the work, which is

0:56:35.960 --> 0:56:38.520
<v Speaker 3>rare but shouldn't be. So yeah, I think that's a

0:56:38.520 --> 0:56:40.440
<v Speaker 3>great like call to action tivity. If you have a

0:56:40.480 --> 0:56:43.360
<v Speaker 3>story out there, something similar, maybe it's not at home appraise, well,

0:56:43.360 --> 0:56:44.960
<v Speaker 3>maybe it's something else. Maybe you got denied for a

0:56:45.000 --> 0:56:49.040
<v Speaker 3>small business loan or something like that, or you wanted

0:56:49.080 --> 0:56:51.080
<v Speaker 3>to start a business and you were denied a permit

0:56:51.160 --> 0:56:54.439
<v Speaker 3>for something. Contact your local officials and make a big

0:56:54.440 --> 0:56:57.360
<v Speaker 3>stink about it. You know, don't let your cynicism be

0:56:57.520 --> 0:56:58.080
<v Speaker 3>to their gain.

0:56:59.000 --> 0:57:00.680
<v Speaker 1>And you know what we can and maybe it might

0:57:00.680 --> 0:57:03.160
<v Speaker 1>be nice, honestly to have Because I did a live

0:57:03.239 --> 0:57:06.080
<v Speaker 1>one time with Angela to talk about how do you

0:57:06.080 --> 0:57:06.840
<v Speaker 1>get a law passed?

0:57:06.840 --> 0:57:07.360
<v Speaker 2>And I said this.

0:57:07.400 --> 0:57:09.840
<v Speaker 1>She was like, girl, if you think something is wrong,

0:57:10.000 --> 0:57:11.840
<v Speaker 1>reach out to me. But she's like, it's not just me.

0:57:12.480 --> 0:57:14.960
<v Speaker 1>So if you are like, hey, I don't like the

0:57:14.960 --> 0:57:17.919
<v Speaker 1>fact that this is happening, you know, you can reach

0:57:17.960 --> 0:57:19.240
<v Speaker 1>out to your local.

0:57:20.400 --> 0:57:22.840
<v Speaker 2>Legislators and say, hey, what can we do?

0:57:23.120 --> 0:57:25.280
<v Speaker 1>I would love honestly we might think about having her

0:57:25.320 --> 0:57:27.760
<v Speaker 1>on so that way we can actionize people to say

0:57:27.760 --> 0:57:28.800
<v Speaker 1>if something is wrong.

0:57:29.320 --> 0:57:30.640
<v Speaker 2>Here's the type of people.

0:57:30.640 --> 0:57:34.680
<v Speaker 1>There's assembly women, there's I don't know, like what other whoop,

0:57:34.720 --> 0:57:36.520
<v Speaker 1>what other people you can reach out to get laws

0:57:36.880 --> 0:57:38.880
<v Speaker 1>created and passed and all that kind of stuff. But

0:57:39.560 --> 0:57:41.240
<v Speaker 1>I would love to have her on to walk us

0:57:41.280 --> 0:57:43.640
<v Speaker 1>through the process of if something is wrong and you

0:57:43.720 --> 0:57:46.440
<v Speaker 1>reach out to your assembly woman or whomever, and then

0:57:46.480 --> 0:57:49.080
<v Speaker 1>this is the process. I think it would be because

0:57:49.240 --> 0:57:53.320
<v Speaker 1>I want people to feel like they can do something,

0:57:53.880 --> 0:57:56.240
<v Speaker 1>not just feel like they are a victim of but

0:57:56.280 --> 0:58:00.480
<v Speaker 1>that know that there are other assembly women, not quite

0:58:00.520 --> 0:58:03.440
<v Speaker 1>like Angela because she's amazing, but there are other people

0:58:03.520 --> 0:58:07.160
<v Speaker 1>out there who want to know how to make this

0:58:07.200 --> 0:58:10.280
<v Speaker 1>world better and they will put their energy in might

0:58:10.360 --> 0:58:12.080
<v Speaker 1>behind it. So I think she might be like a

0:58:12.120 --> 0:58:13.800
<v Speaker 1>great guest to have to talk about, like you know,

0:58:14.600 --> 0:58:17.400
<v Speaker 1>you know, a political episode.

0:58:18.320 --> 0:58:19.919
<v Speaker 2>Yeah, that sounds amazing. I love it.

0:58:20.160 --> 0:58:23.600
<v Speaker 1>Yeah, because she's honestly, she's amazing. She just I've never

0:58:23.600 --> 0:58:24.720
<v Speaker 1>seen anyone like Angela.

0:58:24.800 --> 0:58:25.280
<v Speaker 2>She is more.

0:58:25.320 --> 0:58:27.240
<v Speaker 1>I have to google it, but I think last time

0:58:27.240 --> 0:58:29.840
<v Speaker 1>I checked, she was like the lawmaker in the last

0:58:29.840 --> 0:58:32.120
<v Speaker 1>whatever number of years that has gotten more. Last passed,

0:58:32.120 --> 0:58:34.640
<v Speaker 1>she got the crown law passed in New Jersey, which

0:58:34.680 --> 0:58:37.040
<v Speaker 1>is means you can't be you can't be discriminated against

0:58:37.440 --> 0:58:39.959
<v Speaker 1>because of your natural hair as a black and brown woman.

0:58:40.160 --> 0:58:40.960
<v Speaker 2>She's amazing.

0:58:41.040 --> 0:58:44.320
<v Speaker 1>So I just think she is a real advocate for

0:58:44.360 --> 0:58:47.520
<v Speaker 1>this community and not just talk someone who was like, oh,

0:58:47.560 --> 0:58:48.280
<v Speaker 1>you know, that's not right.

0:58:48.320 --> 0:58:49.479
<v Speaker 2>You know what, it's been a long place.

0:58:49.720 --> 0:58:52.720
<v Speaker 1>And knows how to navigate the system because getting a

0:58:52.800 --> 0:58:55.040
<v Speaker 1>law pass is not easy. You can't just have your

0:58:55.080 --> 0:58:59.600
<v Speaker 1>side agree. She knows how to present it in such

0:58:59.600 --> 0:59:03.280
<v Speaker 1>a way that most more than just you know, she's

0:59:03.280 --> 0:59:08.120
<v Speaker 1>a Democrat more than just the Democratic representation thinking like

0:59:08.160 --> 0:59:10.240
<v Speaker 1>this is a good idea. So so yeah, I think

0:59:10.240 --> 0:59:12.320
<v Speaker 1>that would be great. And actually I'll see how soon

0:59:12.360 --> 0:59:13.960
<v Speaker 1>she could come on because it might be perfect for

0:59:14.080 --> 0:59:17.960
<v Speaker 1>like the episode right after the election results to talk

0:59:18.000 --> 0:59:20.919
<v Speaker 1>about depending on what happens, like here's what you still

0:59:20.960 --> 0:59:21.880
<v Speaker 1>can do either way.

0:59:22.080 --> 0:59:25.000
<v Speaker 3>You know, well, I'm really that sounds amazing. I really

0:59:25.080 --> 0:59:27.640
<v Speaker 3>wanted to have the founders of this organization called Higher

0:59:27.680 --> 0:59:29.360
<v Speaker 3>Heights on, So I don't know if you've heard about

0:59:29.400 --> 0:59:31.840
<v Speaker 3>Higher Heights, but we can talk about it offline. But

0:59:32.000 --> 0:59:33.640
<v Speaker 3>Higher Heights and even if you guys just want to

0:59:33.640 --> 0:59:37.600
<v Speaker 3>do quick google, this is an organization that essentially, you know,

0:59:37.680 --> 0:59:39.760
<v Speaker 3>kind of like Emily's List, but on a smaller scale

0:59:39.760 --> 0:59:43.880
<v Speaker 3>for Black women especially and helping black women ascend and

0:59:44.120 --> 0:59:47.200
<v Speaker 3>basically get elected. So they look for black women who

0:59:47.240 --> 0:59:50.000
<v Speaker 3>are looking to get elected, looking to run for office,

0:59:50.080 --> 0:59:54.040
<v Speaker 3>local office in their areas, and basically helps them. So

0:59:54.640 --> 0:59:57.640
<v Speaker 3>they're a really really fantastic organization. And I love that idea.

0:59:57.680 --> 1:00:01.480
<v Speaker 3>Maybe like a post election, you know, forget like I

1:00:01.520 --> 1:00:02.560
<v Speaker 3>want Joe Biden to be.

1:00:02.520 --> 1:00:03.480
<v Speaker 2>The last white guy.

1:00:03.520 --> 1:00:05.400
<v Speaker 3>We have to look to save ourselves, you know, like

1:00:05.440 --> 1:00:07.760
<v Speaker 3>they would be like I love Joe, but like let's

1:00:07.800 --> 1:00:10.200
<v Speaker 3>figure out how to save ourselves and its organizations like

1:00:10.280 --> 1:00:12.560
<v Speaker 3>Higher Heights. And there's other ones out there too, people

1:00:12.600 --> 1:00:15.920
<v Speaker 3>like Angela what's her last name v and I'll be

1:00:16.040 --> 1:00:20.640
<v Speaker 3>McKnight be McKnight. I almost said mcphe close. Angela Vie

1:00:20.880 --> 1:00:23.280
<v Speaker 3>out there who are yeah making it happen. That's that's

1:00:23.280 --> 1:00:25.320
<v Speaker 3>a good idea. Yeah, let's me.

1:00:25.400 --> 1:00:30.240
<v Speaker 1>Yay power power to the people. So yeah, oh me, Well,

1:00:30.240 --> 1:00:32.400
<v Speaker 1>I'm like, you know what we turned that you boost?

1:00:32.720 --> 1:00:35.800
<v Speaker 1>I know, Okay, So I forgot. I'm like, okay, bye, guys. No,

1:00:35.920 --> 1:00:38.680
<v Speaker 1>well my boost honestly, it's I'm excited. I was on

1:00:38.680 --> 1:00:42.320
<v Speaker 1>Good Morning America for the very just.

1:00:44.280 --> 1:00:46.960
<v Speaker 3>Girl. You alway watched all eight minutes and forty three seconds, yo,

1:00:47.120 --> 1:00:48.400
<v Speaker 3>it was so crazy.

1:00:48.680 --> 1:00:50.240
<v Speaker 1>So here's the thing about good work. I was on

1:00:50.280 --> 1:00:52.560
<v Speaker 1>Good morn in America literally years ago for like two seconds.

1:00:52.600 --> 1:00:54.480
<v Speaker 1>I think I asked a question. They were like looking

1:00:54.480 --> 1:00:56.160
<v Speaker 1>for people to ask a question. I was like, I

1:00:56.160 --> 1:00:58.320
<v Speaker 1>have a question I would have asked, but no, this

1:00:58.360 --> 1:01:01.880
<v Speaker 1>time around, it was so special because, well, one there's

1:01:01.920 --> 1:01:05.640
<v Speaker 1>a video Robin Roberts has. She's one of the main

1:01:05.680 --> 1:01:08.880
<v Speaker 1>hosts of Good Morning America. She's got this production company

1:01:08.920 --> 1:01:11.720
<v Speaker 1>called Rock and Robin, and she does something called Thriver

1:01:11.880 --> 1:01:16.080
<v Speaker 1>Thursday where they find people that went through a difficult

1:01:16.120 --> 1:01:18.600
<v Speaker 1>time and not only saw themselves through it, but helped

1:01:18.640 --> 1:01:21.200
<v Speaker 1>other people as well. So she called them her Thrivers,

1:01:21.200 --> 1:01:24.040
<v Speaker 1>and her production company reached out to me like almost

1:01:24.080 --> 1:01:26.640
<v Speaker 1>a year ago and said we would love to feature you,

1:01:26.680 --> 1:01:29.440
<v Speaker 1>and I was like, okay, But there was no guarantee

1:01:29.440 --> 1:01:31.960
<v Speaker 1>for any sort of GMA anything, because Robin Roberts is,

1:01:32.160 --> 1:01:34.720
<v Speaker 1>you know, she's her own separate person than Good Morning America.

1:01:35.240 --> 1:01:37.120
<v Speaker 2>So as you know, they taped everywhere. They taped at

1:01:37.160 --> 1:01:37.560
<v Speaker 2>my house.

1:01:37.600 --> 1:01:40.320
<v Speaker 1>They taped my parents, they taped Angela, they taped my friends,

1:01:40.320 --> 1:01:42.840
<v Speaker 1>they taped my sister, and so that they were putting

1:01:42.840 --> 1:01:45.520
<v Speaker 1>together kind of like this is your life budget Tiffany

1:01:45.560 --> 1:01:50.560
<v Speaker 1>to the budgetista, they said, Okay, pre COVID, we used

1:01:50.560 --> 1:01:54.760
<v Speaker 1>to debut a clip of this thriver Thursday, typically like

1:01:54.800 --> 1:01:58.960
<v Speaker 1>an eight minute video we typically debut debuted on GMA.

1:01:59.120 --> 1:02:01.280
<v Speaker 1>But we're not going to do that because COVID anybody

1:02:01.320 --> 1:02:03.040
<v Speaker 1>coming to the studio. You can't come to the studio.

1:02:03.080 --> 1:02:05.280
<v Speaker 1>And I said, okay. You know what I said to myself,

1:02:05.320 --> 1:02:07.120
<v Speaker 1>I'm grateful either way. And that's what I told them.

1:02:07.280 --> 1:02:10.680
<v Speaker 1>I said, I'm grateful either way. And then two weeks

1:02:10.720 --> 1:02:12.440
<v Speaker 1>before they said, okay, we think we are going to

1:02:12.480 --> 1:02:14.840
<v Speaker 1>debut a clip, but no studio for you. And I said,

1:02:15.040 --> 1:02:18.840
<v Speaker 1>that's fine. I'm grateful either way. And then like maybe

1:02:18.920 --> 1:02:21.640
<v Speaker 1>like three days before or four days before, the producer

1:02:21.760 --> 1:02:25.280
<v Speaker 1>was like, Tiffany, I've been telling them, Tiffany is not

1:02:25.520 --> 1:02:28.520
<v Speaker 1>just like our Thrive for Thursday person. She also is

1:02:28.600 --> 1:02:30.960
<v Speaker 1>a financial educator. Why don't we have her on to

1:02:31.000 --> 1:02:33.680
<v Speaker 1>do a segment now? If you don't understand, doing a

1:02:33.680 --> 1:02:37.280
<v Speaker 1>segment of Good Running America is like the Emmys, like,

1:02:37.360 --> 1:02:39.840
<v Speaker 1>there is no bigger platform in the morning. They have

1:02:40.080 --> 1:02:42.520
<v Speaker 1>the market they have the largest market share of viewers

1:02:42.560 --> 1:02:45.520
<v Speaker 1>in the morning for this, like a newscast I guess

1:02:45.520 --> 1:02:48.200
<v Speaker 1>what they call them, like three point five three point

1:02:48.200 --> 1:02:50.080
<v Speaker 1>five to four million people watch every morning.

1:02:50.360 --> 1:02:51.439
<v Speaker 2>So it's there.

1:02:51.520 --> 1:02:54.280
<v Speaker 1>There's literally nothing bigger. And so when she said it,

1:02:54.320 --> 1:02:56.960
<v Speaker 1>I was like what, oh, okay. She's like, send me,

1:02:57.080 --> 1:02:58.960
<v Speaker 1>send me a segment that you'd like to do. And

1:02:59.000 --> 1:03:00.960
<v Speaker 1>I was like, well, maybe waste thrived during a recession.

1:03:00.960 --> 1:03:04.400
<v Speaker 1>But I told myself, well, regardless of what happens, I'm grateful.

1:03:04.880 --> 1:03:06.880
<v Speaker 1>And so it was literally like two days before and

1:03:06.920 --> 1:03:09.160
<v Speaker 1>it was like, okay, they agreed. I'm like, wait what.

1:03:10.320 --> 1:03:12.800
<v Speaker 1>She was like, We're gonna do this segment, and I

1:03:12.920 --> 1:03:13.560
<v Speaker 1>was just like.

1:03:14.880 --> 1:03:16.720
<v Speaker 2>Makes sense. This was cary last minute.

1:03:17.080 --> 1:03:19.880
<v Speaker 1>Yes, that's what I was having because I was like, okay,

1:03:20.160 --> 1:03:22.160
<v Speaker 1>this is good, and I kept telling myself to me,

1:03:22.240 --> 1:03:23.920
<v Speaker 1>this is amazing. But at the same time, I was like,

1:03:25.520 --> 1:03:29.720
<v Speaker 1>you know, because it was it was it was twenty kittens,

1:03:29.760 --> 1:03:32.480
<v Speaker 1>and I was like okay, and they were taping. They

1:03:32.560 --> 1:03:34.400
<v Speaker 1>came to my house. I wasn't going into the studio

1:03:35.160 --> 1:03:37.760
<v Speaker 1>because safety and COVID and we taped in the backyard

1:03:38.160 --> 1:03:40.280
<v Speaker 1>and so now you know, I've got makeup and I've

1:03:40.320 --> 1:03:43.840
<v Speaker 1>got like Thankfully, my sister Tracy, who styles me, had

1:03:43.880 --> 1:03:46.000
<v Speaker 1>already had some like clothes from renting one because if

1:03:46.000 --> 1:03:48.920
<v Speaker 1>you know me, I'm like a flobha bob. So luckily

1:03:48.920 --> 1:03:50.640
<v Speaker 1>we had clothes in the house from rent and runway

1:03:50.960 --> 1:03:54.680
<v Speaker 1>so I could look cute. But I was so freaked out.

1:03:55.120 --> 1:04:00.000
<v Speaker 1>And it wasn't until the producer, her name is Danielle,

1:04:00.000 --> 1:04:02.960
<v Speaker 1>shout out to Danielle like, you typically practice your segment.

1:04:03.000 --> 1:04:04.640
<v Speaker 2>I'm assuming beforehand.

1:04:04.680 --> 1:04:08.160
<v Speaker 1>And I was practicing with her and she was like, okay, Tiffany,

1:04:08.600 --> 1:04:09.400
<v Speaker 1>I know you're nervous.

1:04:09.440 --> 1:04:11.080
<v Speaker 2>I was like, you know, I'm just fine.

1:04:12.080 --> 1:04:14.880
<v Speaker 1>She was like she said something to me that was

1:04:14.920 --> 1:04:16.760
<v Speaker 1>just so powerful, and she said, this is your moment,

1:04:17.920 --> 1:04:20.000
<v Speaker 1>this is it is a big deal, and it's okay

1:04:20.000 --> 1:04:25.040
<v Speaker 1>to feel that, but I don't want you to allow

1:04:25.080 --> 1:04:27.560
<v Speaker 1>your nervousness. She treated nervousness like it was like a person.

1:04:27.960 --> 1:04:32.480
<v Speaker 1>I don't want you to allow nervousness to mess up

1:04:32.520 --> 1:04:33.000
<v Speaker 1>your moment.

1:04:33.400 --> 1:04:33.760
<v Speaker 2>She said.

1:04:33.760 --> 1:04:36.040
<v Speaker 1>You can be nervous afterwards, you can throw up afterwards,

1:04:36.080 --> 1:04:37.520
<v Speaker 1>you can do all that stuff. Afterwards, I want you

1:04:37.600 --> 1:04:39.280
<v Speaker 1>to set it aside and I want you to meet

1:04:39.320 --> 1:04:42.800
<v Speaker 1>your moment. You have worked so hard, you have put

1:04:42.800 --> 1:04:45.200
<v Speaker 1>in the time and the effort, you've given so much,

1:04:45.240 --> 1:04:48.640
<v Speaker 1>You've helped so many people. This is your moment, Tiffany,

1:04:48.840 --> 1:04:50.760
<v Speaker 1>this is you getting back what you've put in.

1:04:51.040 --> 1:04:53.120
<v Speaker 2>Meet your moment. When I tell you it was like

1:04:53.480 --> 1:05:03.040
<v Speaker 2>it was like Rocky. I was like start saying, you

1:05:03.080 --> 1:05:07.200
<v Speaker 2>know what you knows. I'm such a like, I'm such

1:05:07.200 --> 1:05:10.760
<v Speaker 2>a do because I was thinking, like, what is that?

1:05:10.800 --> 1:05:11.200
<v Speaker 2>What is that?

1:05:11.520 --> 1:05:13.320
<v Speaker 1>The brave Heart where you had like the blue face.

1:05:13.800 --> 1:05:15.720
<v Speaker 1>Bill Gibson, he was like.

1:05:15.880 --> 1:05:17.760
<v Speaker 2>We ride. That's exactly how I felt.

1:05:17.800 --> 1:05:21.320
<v Speaker 3>I was like, this is what not Kelly Clarkson crying

1:05:21.360 --> 1:05:22.120
<v Speaker 3>on American I.

1:05:22.040 --> 1:05:26.080
<v Speaker 1>Got it and so so literally I'm sitting in front

1:05:26.080 --> 1:05:29.080
<v Speaker 1>of the camera because the way and it's so crazy

1:05:29.120 --> 1:05:31.160
<v Speaker 1>because this is a setup. I used to complain every

1:05:31.200 --> 1:05:32.520
<v Speaker 1>single Sunday because I would have to tape with my

1:05:32.560 --> 1:05:36.000
<v Speaker 1>videographer Jermaine, and I would complain that like everybody else,

1:05:36.040 --> 1:05:38.400
<v Speaker 1>cause have fun Sunday said, I have to tape every

1:05:38.400 --> 1:05:40.640
<v Speaker 1>Sunday to tape these videos for dream Catchers and things

1:05:40.680 --> 1:05:42.560
<v Speaker 1>like that. But it was the same setup, so I

1:05:42.680 --> 1:05:44.840
<v Speaker 1>knew exactly where to look, I knew how to woosign.

1:05:44.840 --> 1:05:45.560
<v Speaker 2>I was talk to myself.

1:05:45.560 --> 1:05:48.200
<v Speaker 1>Thank God for like two years of doing this on

1:05:48.240 --> 1:05:51.240
<v Speaker 1>Sundays with Jermaine. Because I know the setup, it's very familiar.

1:05:51.280 --> 1:05:52.800
<v Speaker 1>I don't have to get used to it. I can

1:05:52.880 --> 1:05:55.280
<v Speaker 1>look at the camera like it's a person, and literally

1:05:55.320 --> 1:05:57.240
<v Speaker 1>I can hear Robin talking about me because you hear

1:05:57.280 --> 1:06:01.200
<v Speaker 1>her introducing me, you hear my playing, so it was

1:06:01.240 --> 1:06:03.840
<v Speaker 1>like a twofer. It was like we're talking about Tiffany

1:06:03.840 --> 1:06:05.400
<v Speaker 1>and all the work she's done at the Bunjanista and

1:06:05.440 --> 1:06:08.160
<v Speaker 1>helping women, and then Tiffany's coming on to do a segment.

1:06:08.200 --> 1:06:10.600
<v Speaker 1>So that never happens with River Thursday, they don't have

1:06:11.440 --> 1:06:14.840
<v Speaker 1>the person also do a segment and so you guys

1:06:14.840 --> 1:06:17.560
<v Speaker 1>can watch it. I'm trying to think it's also it's

1:06:17.600 --> 1:06:19.600
<v Speaker 1>on my ig. It's like a purple background, Like the

1:06:19.600 --> 1:06:21.680
<v Speaker 1>full segment is on my IG, so you can go

1:06:21.720 --> 1:06:22.200
<v Speaker 1>and watch it.

1:06:22.600 --> 1:06:23.680
<v Speaker 3>But I.

1:06:25.160 --> 1:06:28.240
<v Speaker 1>Did it, and like afterwards, I certainly wanted to faint,

1:06:29.000 --> 1:06:31.880
<v Speaker 1>but I was just like, I didn't stutter, I didn't stumble.

1:06:32.760 --> 1:06:37.000
<v Speaker 2>I got it out amazing. I thought it was pre taped. No,

1:06:37.080 --> 1:06:38.760
<v Speaker 2>maybe that way because it was so good.

1:06:39.400 --> 1:06:41.160
<v Speaker 1>Maybe when I tell you literally, I looked at the

1:06:41.240 --> 1:06:44.120
<v Speaker 1>camera and I said, I'm putting the I literally visualized

1:06:44.160 --> 1:06:46.760
<v Speaker 1>me taking the nervousness out of my body and setting

1:06:46.760 --> 1:06:49.200
<v Speaker 1>it to the side, and I said, I'm meeting my moment.

1:06:49.480 --> 1:06:50.880
<v Speaker 2>And then I picked it up properly after that, and

1:06:50.880 --> 1:06:54.640
<v Speaker 2>I was like, the moment, the moment was like, nice

1:06:54.640 --> 1:07:00.400
<v Speaker 2>to meet you, lady. So yeah, it just welcome to

1:07:00.520 --> 1:07:02.919
<v Speaker 2>the next level. And that's how I felt.

1:07:02.920 --> 1:07:04.920
<v Speaker 1>And then after that, the level the types of emails

1:07:04.920 --> 1:07:07.360
<v Speaker 1>that were flooding into my inbox after that, it was,

1:07:08.680 --> 1:07:09.800
<v Speaker 1>I mean, I just can't wait to share with you

1:07:09.840 --> 1:07:11.320
<v Speaker 1>guys some of the stuff I'm a lot of about

1:07:11.360 --> 1:07:15.200
<v Speaker 1>to say just yet. But it just was I needed

1:07:15.200 --> 1:07:17.360
<v Speaker 1>that speech. But that's that's what I mean that, Like,

1:07:17.400 --> 1:07:19.280
<v Speaker 1>I'm really grateful, don't get me wrong. And I'm like, oh, hell,

1:07:19.360 --> 1:07:21.200
<v Speaker 1>I'm gonna cry. I'm really grateful, don't.

1:07:21.080 --> 1:07:21.520
<v Speaker 2>Get me wrong.

1:07:21.560 --> 1:07:24.720
<v Speaker 1>But it's just I'm used to the work. I'm not

1:07:24.840 --> 1:07:27.240
<v Speaker 1>used to the reaping, you know. And so that's what

1:07:27.320 --> 1:07:29.960
<v Speaker 1>I'm struggling with, Like I can so all day, like

1:07:30.000 --> 1:07:33.360
<v Speaker 1>what work sowing? Sure, I'm a workhorse. I'll keep going, going, going,

1:07:33.400 --> 1:07:37.400
<v Speaker 1>going going. But now it's like I'm not you know,

1:07:37.400 --> 1:07:38.840
<v Speaker 1>as much as like with the budget, Lisa. You know,

1:07:38.840 --> 1:07:40.720
<v Speaker 1>I know I'm on a platform, but I'm not. I'm

1:07:40.720 --> 1:07:43.560
<v Speaker 1>not really used to and comfortable with the reaping. Like

1:07:43.600 --> 1:07:46.920
<v Speaker 1>if you give me a compliment, I'm uncomfortable, you know.

1:07:47.040 --> 1:07:48.640
<v Speaker 1>I as much as it seems like I'm not like

1:07:48.640 --> 1:07:51.800
<v Speaker 1>a background person, I really am. I I like the work.

1:07:52.120 --> 1:07:57.720
<v Speaker 1>So this happening is just like wait, what okay? So okay,

1:07:57.840 --> 1:07:59.360
<v Speaker 1>just tell me what to do, what work to do?

1:07:59.360 --> 1:08:01.680
<v Speaker 1>Tell me what how mony long hours to do. I'm

1:08:02.000 --> 1:08:04.840
<v Speaker 1>That's what I've grown accustomed to, and I want to

1:08:04.840 --> 1:08:08.600
<v Speaker 1>break free of that, like it is okay to it's

1:08:08.640 --> 1:08:11.520
<v Speaker 1>okay to enjoy it exactly. And I don't know how

1:08:11.560 --> 1:08:13.720
<v Speaker 1>to do that because how can I learn?

1:08:13.800 --> 1:08:16.680
<v Speaker 2>What's your plan to learn? I figure no, I don't know.

1:08:18.600 --> 1:08:21.000
<v Speaker 3>You need to figure it out quick, girl, I know.

1:08:21.120 --> 1:08:22.959
<v Speaker 3>Because what have you been doing since Thursday?

1:08:24.120 --> 1:08:27.240
<v Speaker 2>Working? Have you celebrated? Have you gone?

1:08:27.560 --> 1:08:29.479
<v Speaker 3>I mean, I know it's COVID times, but I feel

1:08:29.479 --> 1:08:34.200
<v Speaker 3>like a nice little dinner champagne, literally on champagne.

1:08:34.280 --> 1:08:36.320
<v Speaker 1>I've been working on my book on Friday like I

1:08:36.360 --> 1:08:39.120
<v Speaker 1>woke up Friday morning at seven am, and I worked

1:08:39.360 --> 1:08:41.439
<v Speaker 1>all day Friday, all day Saturday, all day Sunday because

1:08:41.439 --> 1:08:43.280
<v Speaker 1>I have to submit my book on Wednesday. I didn't

1:08:43.280 --> 1:08:47.559
<v Speaker 1>even get literally Thursday was like okay, Friday, Saturday, Sunday.

1:08:47.600 --> 1:08:49.519
<v Speaker 1>I mean, I actually worked more than I usually don't

1:08:49.560 --> 1:08:52.160
<v Speaker 1>work on the weekends. Actually worked more than I normally do.

1:08:52.280 --> 1:08:54.640
<v Speaker 1>And I'm like, tip to day, That's what I mean. Like,

1:08:54.920 --> 1:08:56.519
<v Speaker 1>I don't want to look back at eighty and be like,

1:08:56.560 --> 1:08:57.759
<v Speaker 1>you had all these amazing things.

1:08:57.760 --> 1:08:59.599
<v Speaker 2>Girl, you can't even remember You're.

1:08:59.640 --> 1:09:02.480
<v Speaker 3>Daddy and a bow tie was on Good Morning America

1:09:02.960 --> 1:09:03.559
<v Speaker 3>telling the.

1:09:03.479 --> 1:09:05.559
<v Speaker 2>World how proud of you he was.

1:09:05.680 --> 1:09:10.559
<v Speaker 4>Get out of here, you need to be I don't

1:09:10.640 --> 1:09:14.080
<v Speaker 4>even know how to celebrate, honestly, I do.

1:09:14.200 --> 1:09:15.840
<v Speaker 1>I know I do therapists, and I've been saying this

1:09:15.880 --> 1:09:18.000
<v Speaker 1>for like two years. Someone said they were gonna help me.

1:09:18.040 --> 1:09:19.360
<v Speaker 1>I'm like, whoever that lady is who says she was

1:09:19.400 --> 1:09:20.479
<v Speaker 1>gonna help me find the place?

1:09:20.760 --> 1:09:22.839
<v Speaker 3>Do you want to borrow mine? Her name is Lauren,

1:09:23.280 --> 1:09:25.240
<v Speaker 3>Because she and I talked about this all the time.

1:09:25.600 --> 1:09:28.800
<v Speaker 3>I get very uncomfortable too. But you need to figure out.

1:09:29.080 --> 1:09:31.360
<v Speaker 3>I mean, you have your own whatever makes you happiest.

1:09:31.400 --> 1:09:34.360
<v Speaker 3>But I mean, and it's only going to get it

1:09:34.439 --> 1:09:37.120
<v Speaker 3>sounds like it's only going to be more challenging moments

1:09:37.240 --> 1:09:40.200
<v Speaker 3>of success ahead of you. And by challenging, I mean

1:09:40.320 --> 1:09:42.639
<v Speaker 3>fun stuff that you have to get used to enjoying.

1:09:42.800 --> 1:09:43.280
<v Speaker 2>You've got to.

1:09:44.040 --> 1:09:45.559
<v Speaker 3>I think all of us could get better at that

1:09:46.080 --> 1:09:48.880
<v Speaker 3>because if not, then like, what was the point of

1:09:48.920 --> 1:09:53.680
<v Speaker 3>all the work? You know, the mountaintop is supposed to be.

1:09:53.840 --> 1:09:56.559
<v Speaker 2>Is there a party up there? Cause we're all trying

1:09:56.560 --> 1:09:57.120
<v Speaker 2>to get there.

1:09:57.479 --> 1:10:00.720
<v Speaker 3>Imagine if we imagine if you you go to heaven

1:10:00.760 --> 1:10:03.400
<v Speaker 3>and it's just like like a free sample at Costco,

1:10:03.600 --> 1:10:05.600
<v Speaker 3>Like you.

1:10:05.880 --> 1:10:07.559
<v Speaker 2>Like, so you want your little weenie on a stick?

1:10:07.680 --> 1:10:10.360
<v Speaker 2>Or what what I was all of it for? We

1:10:10.439 --> 1:10:12.920
<v Speaker 2>need to believe in something that's fun, you know, you

1:10:12.920 --> 1:10:13.840
<v Speaker 2>need to enjoy it.

1:10:14.160 --> 1:10:17.160
<v Speaker 1>Yeah, and and I want to, And you're right I

1:10:17.360 --> 1:10:19.719
<v Speaker 1>said that. I'm like Tiffany, you need help learning how

1:10:19.760 --> 1:10:22.920
<v Speaker 1>to enjoy. And I mean, obviously there's some fear back

1:10:23.000 --> 1:10:25.840
<v Speaker 1>up there that maybe in the enjoyment it goes away.

1:10:26.200 --> 1:10:28.400
<v Speaker 1>I've always been like I was like the kid who

1:10:28.560 --> 1:10:30.880
<v Speaker 1>you know how people have like over expectation. I was

1:10:30.880 --> 1:10:33.200
<v Speaker 1>always like no, I was low expectation queen, so I

1:10:33.200 --> 1:10:35.800
<v Speaker 1>can never be disappointed. Like I'm like, oh, that's okay,

1:10:35.840 --> 1:10:37.479
<v Speaker 1>I don't need any cupcakes because I'm probably not gonna

1:10:37.479 --> 1:10:38.120
<v Speaker 1>get any anyway.

1:10:38.200 --> 1:10:38.599
<v Speaker 2>That's okay.

1:10:38.640 --> 1:10:40.360
<v Speaker 1>I don't need to celebrate my birthday because you probably

1:10:40.360 --> 1:10:41.519
<v Speaker 1>not gonna give me a present anyway.

1:10:41.680 --> 1:10:43.320
<v Speaker 2>Like that's always been my default, and.

1:10:43.360 --> 1:10:46.920
<v Speaker 1>I'm like, it's such a bad habit, and so it

1:10:47.320 --> 1:10:51.960
<v Speaker 1>was my middle child like thing like well, you know what,

1:10:52.080 --> 1:10:54.000
<v Speaker 1>I'll just take the smaller room because my sister's gonna

1:10:54.000 --> 1:10:57.200
<v Speaker 1>take the bigger room anyway. And so I want to

1:10:57.280 --> 1:10:59.080
<v Speaker 1>break that habit and because I know I can't do

1:10:59.120 --> 1:11:02.479
<v Speaker 1>by myself, because it's it's something I cultivated to protect

1:11:02.680 --> 1:11:04.320
<v Speaker 1>me from being disappointed and hurt.

1:11:04.560 --> 1:11:06.479
<v Speaker 2>But now it's keeping me from enjoying.

1:11:06.920 --> 1:11:09.519
<v Speaker 3>And it's your Unicorn squad you need they Like I

1:11:09.520 --> 1:11:12.320
<v Speaker 3>almost feel like, what if you frame it as it's

1:11:12.320 --> 1:11:14.679
<v Speaker 3>not just me celebrating, I get to celebrate the people

1:11:14.680 --> 1:11:17.240
<v Speaker 3>who helped build this, you know what I mean? Like,

1:11:17.280 --> 1:11:20.400
<v Speaker 3>what if it's something for Unicorn, you and the Unicorn squad,

1:11:21.120 --> 1:11:23.680
<v Speaker 3>you know, like you can celebrate easier to.

1:11:23.640 --> 1:11:26.439
<v Speaker 1>See, Yeah, and you're right, and that makes it easier

1:11:26.439 --> 1:11:28.919
<v Speaker 1>because then it's not just about me because we typically

1:11:28.920 --> 1:11:31.120
<v Speaker 1>we do like a vacation every year with the Unicorn squad,

1:11:31.120 --> 1:11:32.760
<v Speaker 1>and that's like our way to celebrate each other. But

1:11:32.800 --> 1:11:35.600
<v Speaker 1>we haven't you know, COVID. But no, I'm gonna but

1:11:35.640 --> 1:11:38.639
<v Speaker 1>I'm serious. I do want a therapist because I want

1:11:38.640 --> 1:11:40.760
<v Speaker 1>to work through this and I don't take enough time

1:11:40.800 --> 1:11:43.960
<v Speaker 1>to like, like, look for myself.

1:11:44.360 --> 1:11:46.280
<v Speaker 2>The first on your to do list, it is, it

1:11:46.360 --> 1:11:47.679
<v Speaker 2>needs to be first on my to do list.

1:11:47.920 --> 1:11:50.680
<v Speaker 1>So because yeah, so there was somebody who emailed me

1:11:50.680 --> 1:11:52.719
<v Speaker 1>who said she would help, and I say, I forgot

1:11:52.720 --> 1:11:55.000
<v Speaker 1>I can't find her email because then my pile of emails.

1:11:55.240 --> 1:11:58.240
<v Speaker 1>But sis right, reach back out or anybody else that

1:11:58.320 --> 1:12:00.479
<v Speaker 1>because I know I need one ASA because I want

1:12:00.520 --> 1:12:01.080
<v Speaker 1>to unlock this.

1:12:01.160 --> 1:12:01.720
<v Speaker 2>I want to.

1:12:01.960 --> 1:12:03.639
<v Speaker 1>And the thing is, I don't want you to think like, damn,

1:12:03.680 --> 1:12:06.439
<v Speaker 1>Timmy don't enjoy her life. I do, Like honestly, I

1:12:06.479 --> 1:12:08.280
<v Speaker 1>have an amazing husband. I see my niece and my

1:12:08.280 --> 1:12:10.639
<v Speaker 1>nephew at least every other day. I have a great

1:12:10.680 --> 1:12:13.200
<v Speaker 1>relationship with my sisters, my parents, and I are finally

1:12:13.240 --> 1:12:15.200
<v Speaker 1>on a really good like I was like kind of

1:12:15.200 --> 1:12:17.400
<v Speaker 1>the wild child, So we're in a really good space.

1:12:17.439 --> 1:12:18.439
<v Speaker 2>With my mom and my dad.

1:12:18.600 --> 1:12:21.120
<v Speaker 1>So that part of my life, the Tiffany part of

1:12:21.120 --> 1:12:22.559
<v Speaker 1>my life, I am enjoying.

1:12:22.880 --> 1:12:25.040
<v Speaker 2>But I don't know how to enjoy the budget Nissa

1:12:25.200 --> 1:12:25.719
<v Speaker 2>kind of part.

1:12:25.960 --> 1:12:29.120
<v Speaker 1>That's the part I'm struggling with, not me as Tiffany,

1:12:29.160 --> 1:12:32.479
<v Speaker 1>but certainly me as the Budgetnisa. I just I just

1:12:32.600 --> 1:12:35.679
<v Speaker 1>work when it comes to there, but I don't reap

1:12:35.760 --> 1:12:39.040
<v Speaker 1>when it comes to the Budgetia, I just sow. So yeah,

1:12:39.040 --> 1:12:41.200
<v Speaker 1>I would love assistance in that, but no, thank you

1:12:41.200 --> 1:12:42.760
<v Speaker 1>for that many because you're right. My friend Avida told

1:12:42.760 --> 1:12:44.200
<v Speaker 1>me the same thing. She says she's going to check

1:12:44.240 --> 1:12:45.640
<v Speaker 1>in with me in a week to see where my

1:12:45.640 --> 1:12:48.360
<v Speaker 1>progress is. And she said, Tiffany, I'm not letting this go.

1:12:48.439 --> 1:12:50.360
<v Speaker 1>You're crying on the phone with me because you were

1:12:50.400 --> 1:12:51.160
<v Speaker 1>on goment in America.

1:12:51.160 --> 1:12:53.519
<v Speaker 2>You did a good job. You need you need a therapist.

1:12:54.439 --> 1:12:56.320
<v Speaker 3>You need a therapist, And I'm sorry I didn't check

1:12:56.360 --> 1:12:57.680
<v Speaker 3>in with you this week. And I just thought you

1:12:57.720 --> 1:13:00.160
<v Speaker 3>were out, like I don't know, I just thought your

1:13:00.200 --> 1:13:02.800
<v Speaker 3>own way. You were just either taking a big ass

1:13:02.920 --> 1:13:05.760
<v Speaker 3>nap and didn't want to be bothered, you know, or

1:13:05.880 --> 1:13:08.040
<v Speaker 3>it was celebrating in some shape or fashion.

1:13:09.320 --> 1:13:11.240
<v Speaker 1>Now I was sitting in a chair doing work for

1:13:11.320 --> 1:13:14.280
<v Speaker 1>like ten hours streat every day five years.

1:13:14.320 --> 1:13:17.479
<v Speaker 3>You think I would have known you by now. Well,

1:13:17.560 --> 1:13:19.880
<v Speaker 3>I'm so proud of you. And you did them. I

1:13:19.920 --> 1:13:25.439
<v Speaker 3>mean you did exceptionally, exceptionally, you know, And I want

1:13:25.439 --> 1:13:27.200
<v Speaker 3>this for myself and every other woman because I think

1:13:27.240 --> 1:13:27.920
<v Speaker 3>it's something that we all.

1:13:28.120 --> 1:13:28.839
<v Speaker 2>It's universal.

1:13:29.800 --> 1:13:32.200
<v Speaker 3>You put your head down, you work so hard, and

1:13:32.360 --> 1:13:35.080
<v Speaker 3>when you get there, it's like the adrenaline is still pumping,

1:13:35.080 --> 1:13:36.800
<v Speaker 3>the fight or flight is still there and you haven't

1:13:36.800 --> 1:13:41.000
<v Speaker 3>really let it sink in yet. Well, I know you'll

1:13:41.000 --> 1:13:44.160
<v Speaker 3>get there. Like everything else, you will figure this out

1:13:44.400 --> 1:13:46.920
<v Speaker 3>and have a party, buy yourself something nice. I don't know,

1:13:47.000 --> 1:13:50.960
<v Speaker 3>book a vacation for next year. Tell the universe, you

1:13:51.000 --> 1:13:52.639
<v Speaker 3>tell the Unicorn's glad to come up with their own

1:13:52.640 --> 1:13:55.479
<v Speaker 3>crazy ideas. How should we celebrate? Yeah, and then just

1:13:55.560 --> 1:13:57.479
<v Speaker 3>pick the one that sounds the best. There's got to

1:13:57.520 --> 1:14:01.360
<v Speaker 3>be something fun. Come on air balloon right, I don't.

1:14:01.280 --> 1:14:02.680
<v Speaker 1>Know that would be Honestly, I do want to go

1:14:02.680 --> 1:14:04.439
<v Speaker 1>on to hot air balloon right. South Jersey has like

1:14:04.520 --> 1:14:06.640
<v Speaker 1>because I mean I've been on one to know a.

1:14:08.640 --> 1:14:15.000
<v Speaker 2>No, no, Hey, you don't like hugs, you like massages.

1:14:15.320 --> 1:14:19.160
<v Speaker 1>I do like massages, and then I don't like hugs,

1:14:19.240 --> 1:14:20.320
<v Speaker 1>just a little uncomfortable.

1:14:21.439 --> 1:14:24.240
<v Speaker 3>A nice massage. Yeah, just do the whole birthday weekend

1:14:24.280 --> 1:14:25.880
<v Speaker 3>again with Superman. Do something nice.

1:14:25.960 --> 1:14:28.080
<v Speaker 1>Yeah that was awesome, like birthday weekend. But yeah no,

1:14:28.160 --> 1:14:29.640
<v Speaker 1>but thank you for that, man, because you're right. I

1:14:29.640 --> 1:14:31.880
<v Speaker 1>know I'm gonna get so many acts on install it,

1:14:32.560 --> 1:14:33.200
<v Speaker 1>like tweets like.

1:14:33.160 --> 1:14:35.360
<v Speaker 2>Tivin ain't girl, I'm gonna shake you. It's okay. I

1:14:35.520 --> 1:14:37.519
<v Speaker 2>welcome it from our myur BA cousins.

1:14:38.439 --> 1:14:40.680
<v Speaker 1>It's I like being confronted and shaken up and then

1:14:40.760 --> 1:14:43.000
<v Speaker 1>like girl, we're not gonna let you pretend like ain't

1:14:43.040 --> 1:14:46.960
<v Speaker 1>nothing happen. So I welcome your tweets, and but I honestly,

1:14:47.080 --> 1:14:49.640
<v Speaker 1>I'm being honest, like if you I know there's like

1:14:49.680 --> 1:14:52.760
<v Speaker 1>black girl, but honestly, keep me accountable because I will

1:14:52.760 --> 1:14:55.360
<v Speaker 1>get lazy with my own self, like honestly, Mandy and

1:14:55.400 --> 1:14:57.880
<v Speaker 1>even like listeners like finding a therapist. I've been talking

1:14:57.880 --> 1:15:00.400
<v Speaker 1>about it for like two maybe five years, because we've

1:15:00.400 --> 1:15:02.599
<v Speaker 1>been doing BA for how long, and I don't want

1:15:02.600 --> 1:15:04.640
<v Speaker 1>to be lazy about myself anymore.

1:15:05.640 --> 1:15:08.559
<v Speaker 3>Put yourself first is what my psychiatrist told me when

1:15:08.560 --> 1:15:11.439
<v Speaker 3>I was calling her from the laundry room floor in

1:15:11.520 --> 1:15:16.240
<v Speaker 3>my house on Friday. Put yourself first, top of the

1:15:16.240 --> 1:15:16.840
<v Speaker 3>to do list.

1:15:17.600 --> 1:15:18.280
<v Speaker 2>But congrats.

1:15:18.320 --> 1:15:21.840
<v Speaker 3>It was amazing. You look beautiful, sounded amazing. Your story

1:15:21.880 --> 1:15:22.400
<v Speaker 3>is amazing.

1:15:25.800 --> 1:15:34.000
<v Speaker 1>It's moments like this that's what's going on by.

1:15:35.880 --> 1:15:36.760
<v Speaker 2>Movie. But you know what I mean.

1:15:37.479 --> 1:15:41.519
<v Speaker 3>All Right, Well, I gotta get upstairs to my angry husband.

1:15:42.560 --> 1:15:45.000
<v Speaker 2>Adorable child. I was gonna say, and happy baby. I

1:15:45.040 --> 1:15:47.880
<v Speaker 2>love Rio. He's so cute. He's so cute. I know,

1:15:48.120 --> 1:15:50.479
<v Speaker 2>let me go sweep and that hair. I'm like, I can't.

1:15:51.520 --> 1:15:53.160
<v Speaker 3>All right, Tip, have a good rest your night. Go

1:15:53.160 --> 1:15:55.160
<v Speaker 3>figure out how you're gonna celebrate, Okay, all right,