Speaker 1: Mandra, Do you know what I need? I need to
Speaker 1: walk in these streets in my BA swag. You know
Speaker 1: what I'm really looking forward to? First of all, be
Speaker 1: your own Brown Boost. What an awesome phrase. I cannot
Speaker 1: wait to wear that on my chest like Superman. What
Speaker 1: I'm really excited for, though, is I am a sweatshirt
Speaker 1: and like hoodie girl. So the classic Brown Ambition logo
Speaker 1: sweatshirt has my name all over it.
Speaker 2: But where can I go? Where can I find it?
Speaker 3: I was hoping you would ask Young Tiffany. Tiffany, get
Speaker 3: your Brown Ambition swag at Brown Ambitionstore dot com. Five
Speaker 3: years in the game, we finally have merch for you guys.
Speaker 3: So get your Brown Ambition hoodie, your Brown Ambition crew
Speaker 3: neck tea, get a onesie for your littles. We got
Speaker 3: toddler teas. Oh my goodness, there's something for everyone. Be
Speaker 3: your own Brown Boost T shirt for sure. We have
Speaker 3: a Brown Ambition mug, which my family is most excited about.
Speaker 3: I had to do the fifteen out size for my
Speaker 3: big sister because she drinks coffee Like nobody's business.
Speaker 2: Oh you know, I'm the budgetish to write any special offer.
Speaker 3: Oh I'm also very glad you asked that question, Tiffany. Yes,
Speaker 3: with Brown Ambition fifteen. That's promo code Brown Ambition fifteen
Speaker 3: all one word, you can get fifteen percent off your
Speaker 3: order at Brown ambitionstore dot com.
Speaker 1: I can't wait to see y'all in these BA streets
Speaker 1: repping bapam with your BA swag.
Speaker 3: Hey, Hey we're back, We're black, We're Brown Ambition.
Speaker 2: Hey, Pandla, how are you? Hey? Tiff doing good hanging
Speaker 2: in there? Eight more days?
Speaker 3: I know my math right for Wednesday. I don't know
Speaker 3: it's Monday, right now? Do the math very now?
Speaker 2: Six more days you're listening to this? Oh my god.
Speaker 1: No, I am not happy with Superman because I had
Speaker 1: my paper ballots. I ordered it ahead of time. I
Speaker 1: had it, and he decided he was going to quote
Speaker 1: unquote help me because I told myself I wasn't gonna
Speaker 1: put it in the envelope and lick it and whatever
Speaker 1: until I was really sure I did what I was
Speaker 1: supposed to do because I didn't want to make any mistakes.
Speaker 1: So he had not feeled out his ballad, so he
Speaker 1: saw mine next to his and decided, I'm gonna help
Speaker 1: Tiphany out and put her ballad inside her envelope and
Speaker 1: lick it, and he.
Speaker 2: Why did they try to be helpful? No, honestly I was.
Speaker 1: I didn't know whether to laugh or scream. I was like,
Speaker 1: why did you watch you touch my ovelop? He's like,
Speaker 1: and then he was like he was all chill a
Speaker 1: bat like, oh my babbabe, I thought i'd put your
Speaker 1: own ballot and an envelope.
Speaker 2: I didn't. It's empty, but I lickd it so it's closed.
Speaker 3: Oh so there was nothing in it? He says, an
Speaker 3: empty ballot?
Speaker 1: Yes, And I said, sir, He's like, we could just
Speaker 1: get you another one. That's how that works. That side,
Speaker 1: that's not how So now I'm trying to see, like
Speaker 1: what early voting looks like Jersey, if there's a place
Speaker 1: to go, or if I'm just gonna have to go
Speaker 1: vote on election day? Yay dot com his ballot is?
Speaker 1: I mean, I said, why touch mine? Why not mess
Speaker 1: up yours?
Speaker 2: You know?
Speaker 1: So yeah, he's like, I mean, I I'm sorry. So
Speaker 1: I was just literally ragging him about it again this
Speaker 1: morning because he did it like like a couple of
Speaker 1: days ago.
Speaker 2: But I mean, it is what it is. I mean,
Speaker 2: I'm going to vote I have to vote.
Speaker 1: It is not an option, but I just definitely was
Speaker 1: like excited that I could, you know, just like drop it.
Speaker 1: I wasn't even gonna drop it in the mailbox. I
Speaker 1: was going to drop it in like the special voting
Speaker 1: you know boxes. Yea to be on the super safe side.
Speaker 1: So those dreams are shattered.
Speaker 3: So you know, he might have just cost you hours
Speaker 3: of your life because exactly, it took me four hours
Speaker 3: to vote early yesterday in my county.
Speaker 2: But you can go to iwill Vote dot com. Is
Speaker 2: it dot com or dot org?
Speaker 3: I think it's dot com and they have all the
Speaker 3: information about voting early. I didn't realize this is a
Speaker 3: new thing for New York. I'm in New York state,
Speaker 3: you're in Jersey. But in New York they this was
Speaker 3: like the first election I don't know about ever, but
Speaker 3: definitely not in twenty sixteen. You couldn't vote early. It
Speaker 3: just seems so basic, you know, giving us the option
Speaker 3: to vote a little bit early. But everybody and their
Speaker 3: mama went to vote this weekend, and there weren't that
Speaker 3: many locations to vote early. And I saw the line
Speaker 3: and I was like, may, okay, maybe two hours I
Speaker 3: had my little book and had some podcasts lined up.
Speaker 3: I went with all my broad ambition swag because I
Speaker 3: was like, this is like free advertising. They're all going
Speaker 3: to be sticking, you know how.
Speaker 2: You have nothing to do, but people watch, like even
Speaker 2: if they don't say anything, they're going to see our
Speaker 2: logo anyway.
Speaker 3: So I was rocking my BA swag and four hours
Speaker 3: later I finally finally got to vote.
Speaker 2: I hope it is not that long for you. I
Speaker 2: really do, yes, I mean, how may we'll see? I
Speaker 2: shall see, yeah, I mean I hopefully.
Speaker 1: I mean I've been I voted there for like the
Speaker 1: last like well two years or whatever, so it hasn't
Speaker 1: been crazy. The last time I voted, like in the
Speaker 1: midterm elections, it wasn't too too bad. I'm just hoping that,
Speaker 1: you know, I'll go there super early and then you know,
Speaker 1: it is what it is. Either way I'm doing. There's
Speaker 1: no yep, it's no differens or bucks. And I think
Speaker 1: I'm actually going to drag him be like, oh no,
Speaker 1: you're standing with me. I know you would be paper
Speaker 1: valid You're coming.
Speaker 2: That is too funny.
Speaker 3: I posted on Insta in Twitter about the four hour
Speaker 3: wait and the like The most common comment I got was, oh,
Speaker 3: the poor You know, people who are elderly, are disabled,
Speaker 3: they have to wait that longe can't believe that, Actually
Speaker 3: they don't at least I mean, I think this is
Speaker 3: pretty standard for all polling locations. But if you are
Speaker 3: disabled or you have an elderly relative, don't let them
Speaker 3: think that they have to stand up and wait, because
Speaker 3: I know that will dissuade a lot of elderly voters
Speaker 3: from going. You can easily skip the line and are
Speaker 3: pulling the location. They had a separate line for the elderly,
Speaker 3: disabled or even immuno suppressed. So if you have you know, diabetes,
Speaker 3: a heart condition, asthma, some kind of respiratory you know problem,
Speaker 3: tell the poll workers that you have a condition and
Speaker 3: skip the line. Like do it, because I was just
Speaker 3: worried that my posting that it took four hours would potentially,
Speaker 3: you know, convince people maybe not to go because they
Speaker 3: don't have the time. And frankly, it's really fucked up
Speaker 3: that it took four hours because you know what, a
Speaker 3: lot of people don't have the time. They don't have
Speaker 3: a spouse to watch the baby, or they have to
Speaker 3: work or the you know, even the polling hours at
Speaker 3: the location I went to were short. They were like
Speaker 3: five hours, twelve to five. If you couldn't make it,
Speaker 3: Oh well, you know, and this is the way it is,
Speaker 3: and it sucks. These are signs of voter suppression. I
Speaker 3: just hope that. I hope that things get better. I
Speaker 3: just wanted to clarify that in case anyone was feeling
Speaker 3: like they did not want to spend all that time
Speaker 3: in line.
Speaker 2: Oh yeah, it's worth it, Like literally, it's so worth it.
Speaker 1: I mean, I've all, you know, elections always feel a
Speaker 1: little bit anxious, but obviously this is more anxious than
Speaker 1: anything any other elections.
Speaker 2: You know, It's so crazy.
Speaker 1: I've never seen this push for voting ever in my
Speaker 1: I don't even know what. Twenty years or twenty something
Speaker 1: years of being able to vote everywhere you turn, it's like.
Speaker 2: Okay, vote those who forget to vote. Now everywhere you
Speaker 2: I mean everywhere you go.
Speaker 1: You can't be on Instagram, you can't be on Facebook,
Speaker 1: you can't be on stuff, you can't tick talk, you
Speaker 1: can't anything without it being like, so I vote it.
Speaker 3: So that I wish I could tell Mark Zuckerberg, I
Speaker 3: did it leave me alone?
Speaker 2: Now it's like pop ups. Yeah, oh my god, it's
Speaker 2: good though.
Speaker 3: I the it's you know, it did have this Like
Speaker 3: I was a little pissed because I got there early
Speaker 3: and I waited four hours and it was about an out,
Speaker 3: like three hours into my four hour wait when like
Speaker 3: the mister's the mister softy truck pulled up, and then
Speaker 3: the barbecue truck pulled up, and I was like, oh,
Speaker 3: now you're gonna have a party when I'm almost done.
Speaker 3: Like it was, it was pretty funny. People started playing music.
Speaker 3: It felt like it really. I mean, I'm a little
Speaker 3: uncomfortable talking to people at the polls because I don't I.
Speaker 2: Just don't want to.
Speaker 3: I take it seriously that you're not supposed to influence
Speaker 3: or try to influence anyone before you go vote. It
Speaker 3: just to me, it's like a sacred process. I don't
Speaker 3: want and but people work pretty loudly, like and I
Speaker 3: come from a progressive county, so people were pretty you know,
Speaker 3: bashing Trump blatantly in the line anyway, but it felt
Speaker 3: very like festive and that was nice. It's nice to
Speaker 3: see that people are doing it genuinely because they're excited
Speaker 3: to exercise their right to vote. Yes, it's the It's
Speaker 3: the biggest thing you can do.
Speaker 2: It is the biggest thing you can do right now.
Speaker 2: I mean, and just at the end of the day,
Speaker 2: you know, oh what.
Speaker 3: I just realized the next time we're well, no, we're
Speaker 3: going to record before election day? Okay, how are we
Speaker 3: going to do that. We're gonna We're going to be
Speaker 3: recording in a different world than I know the Wednesday after. Okay,
Speaker 3: we'll figure it out on Monday.
Speaker 2: My heart just felt like, am I gonna talk to
Speaker 2: you before what?
Speaker 3: I know?
Speaker 2: I know it is going to be like.
Speaker 3: Listen, I need some serious I had to call my
Speaker 3: my my shrink do they call them shrinks whatever, call
Speaker 3: my therapist, and I was like, the stress dreams are returned.
Speaker 3: Learning my anxiety is like it's creeping back up there
Speaker 3: all because of this damn election.
Speaker 2: It's just the anticipation. Yeah, yeah, I've just been so.
Speaker 1: Busy and it's just been like definitely stuff on the
Speaker 1: Budgetissa's front has definitely like ticked up. So it's just
Speaker 1: been like overwhelming, overwhelming, over I actually had I was like,
Speaker 1: is this a panic attack? And I actually called my
Speaker 1: friend a Vida and I saw her. She had posted
Speaker 1: on her Instagram. They're like, Oh, I'm in the most
Speaker 1: beautiful place in the world, Vita, and she's opened about it,
Speaker 1: so I can share a Vita is the founder of
Speaker 1: No Madness, which is a black travel movement, and she's
Speaker 1: amazing and so, but she's opened about her therapy and
Speaker 1: then her bouts with anxiety. And I saw that she
Speaker 1: was in Bermuda scouting out locations for their next conference
Speaker 1: in like a year or so, and she was sharing
Speaker 1: that how even though she's in this beautiful place, that
Speaker 1: she had in an anxiety attack. So it made me
Speaker 1: reach out to her and I was like, I think
Speaker 1: that's what. I don't know if it was an anxiety attack
Speaker 1: or I was just feeling anxious. I felt so overwhelmed
Speaker 1: and then like really teary. I just kept like bursting
Speaker 1: into tears, and I'm like.
Speaker 2: What's going on to me? Because it was, I mean,
Speaker 2: nothing bad.
Speaker 1: I mean aside from you know, the world was on fire,
Speaker 1: but I'm talking about as far as internally it was happening.
Speaker 1: Like it's not like anyone is sick. If anything, I've
Speaker 1: actually felt you know what it felt like. I felt
Speaker 1: like I told somebody that I really like kittens, and
Speaker 1: then they gave me thirty in that case, yes, like
Speaker 1: you know, it just felt so over like it's a
Speaker 1: good thing, but I don't I don't know that I
Speaker 1: can manage all these good things.
Speaker 2: It's just too much. It's and I don't want to
Speaker 2: even say too much.
Speaker 1: And then if I'm not being grateful, I just so
Speaker 1: I just it was like every ten minutes, I feel
Speaker 1: like I was bursting into tears.
Speaker 2: I'm like, it's pretty I think this is anxiety.
Speaker 1: I called the beat it and she said, well, how
Speaker 1: do you know if you're I told her, I think
Speaker 1: I'm having an anxiety attack, and she's like, well, what
Speaker 1: makes you think that, I said, because I'm crying right now.
Speaker 2: I'm crying right now. What we're talking. It's just like, oh, okay,
Speaker 2: so yeah, I mean so, And I realized it was
Speaker 2: just me.
Speaker 1: It was not just but it was definitely feeling overwhelmed
Speaker 1: because as I started to take things off my plate,
Speaker 1: like there are some things that were upcoming that would
Speaker 1: do so as I started to complete those things, I
Speaker 1: felt like with each thing done, I felt better. And
Speaker 1: it's just like a reminder to me to like take
Speaker 1: a moment or to learn the stagger thing, because like
Speaker 1: I said, it was good things, but it was just
Speaker 1: so many things that I couldn't even I mean there's
Speaker 1: only like I love chocolate cookies, but there's only so
Speaker 1: much you can eat before you make yourself sick. And
Speaker 1: I felt like, Okay, I'm on cookie number five and
Speaker 1: I think I'm feeling ill. And so yeah, so I
Speaker 1: don't know, do you You've shared you've gotten anxiety attacks before, right.
Speaker 3: Oh, I mean I've always been I've coped with anxiety
Speaker 3: in my whole life. Like I remember being a little
Speaker 3: kid and not being able to sleep, and as an adult,
Speaker 3: I can recognize, oh, I was a super anxious child.
Speaker 3: I was always like if my mom and I had
Speaker 3: a fight and she went to the grocery store, I'd
Speaker 3: be like, oh, she may never come back, and I
Speaker 3: would just, you know, stay up all night waiting. Anyway,
Speaker 3: as an adult, I've coped with it pretty well. But
Speaker 3: when I had my baby, oh yeah, it was really
Speaker 3: really difficult.
Speaker 2: So I think I've been transparent too.
Speaker 3: I had already been in therapy before I had the baby,
Speaker 3: because I kind of felt like I might need to
Speaker 3: get myself situated and I'm so grateful that I did.
Speaker 3: And then even therapy wasn't enough, and then around I
Speaker 3: don't know, early in the year, I started taking an
Speaker 3: anti anxiety medication that's been very helpful to me. But
Speaker 3: even that, like lately, you know, it's not a silver bullet.
Speaker 3: And I continue to go to therapy weekly, and I
Speaker 3: also have a psychiatrist that I check in with about monthly.
Speaker 3: And she was the one I had talked to last
Speaker 3: week because I was like, listen, I'm not sleeping anymore.
Speaker 3: I'm having the same nightmares. I'm waking up sweating, you know,
Speaker 3: I feel like I feel like I'm going back the
Speaker 3: wrong way. And her first question was, you know, how
Speaker 3: much time do you take for self care? And I said, well,
Speaker 3: you know, I do things for myself. I'll go to
Speaker 3: the grocery store or ride the peloton. And she's like, so,
Speaker 3: but what about like for you, you know, where's your quiet time,
Speaker 3: where's your time for yourself? And I say, and I
Speaker 3: don't know. I've felt a little defensive because I want
Speaker 3: to have figured it out, Like I want to be
Speaker 3: the person who, eight nine months into quarantine has like
Speaker 3: figured out the balance, but I just haven't you know,
Speaker 3: I just there isn't time for myself. The little time
Speaker 3: that I do have, I try to squeeze in some
Speaker 3: thing so I can feel productive.
Speaker 2: Anyway.
Speaker 3: All that is to say, I'm still on my journey
Speaker 3: with anxiety. And while she did, we didn't change my
Speaker 3: anti anxiety medication. But I am going to start going
Speaker 3: back on this little, uh, just a small dose of
Speaker 3: something to help me sleep at night while I need
Speaker 3: it because I can't function when I don't sleep, Like
Speaker 3: it's bad for everybody. But I also recently, in the
Speaker 3: past two weeks, have started to do a sleep meditation
Speaker 3: at night.
Speaker 2: I have an app. It's actually for me too, me
Speaker 2: too as calm. Do you do Calm?
Speaker 3: I don't do Calm because I I realize Peloton offers
Speaker 3: all these different meditations, so and I already pay for it.
Speaker 3: So although calm is not that expensive, what is it? Like?
Speaker 3: I almost got calm early in the in the pandemic.
Speaker 3: It was like what sixty bucks, yeah or something like that,
Speaker 3: which was like a story time at night. I know,
Speaker 3: I did like a trial and I think Matthew McConaughey
Speaker 3: read me a story and I was like, I can't
Speaker 3: sleep to this shit, but okay, but the peloton app
Speaker 3: or any meditation, I was shocked that it.
Speaker 2: I was like, what spell has she this woman put
Speaker 2: on me? Because I would just drop off to sleep
Speaker 2: within fifteen minutes. It doesn't stop me from like waking
Speaker 2: up with the like sweats and stuff, but it helps
Speaker 2: me get to sleep. So meditation kind of sort of
Speaker 2: is working.
Speaker 3: But listen, I don't have any particular answers, but I
Speaker 3: do completely know exactly what that feels like. And I'm
Speaker 3: sorry that you're going through that. I really am.
Speaker 1: Yeah, I feel much much, much, much much better now
Speaker 1: because a lot of the thing that were so overwhelming
Speaker 1: I've done. I've checked it off the list, but I'm
Speaker 1: just like, I don't want to go back there, so
Speaker 1: do I make sure I don't like? And it's hard
Speaker 1: because it's like, honestly, it's nothing. It'd be one thing
Speaker 1: if it was like, oh gosh, I have to do
Speaker 1: this thing I hate. It's like, oh my gosh, that's
Speaker 1: an amazing opportunity. Oh my god, that's another man hold on.
Speaker 1: And then it's like what am I gonna sleep? What
Speaker 1: am I gonna hang out with?
Speaker 2: Jarel?
Speaker 1: So it's more so bad I like it until like
Speaker 1: when me and Jerrell first got like when we actually
Speaker 1: were like standing up to get married. I remember I
Speaker 1: thought I was going to throw up. I wanted to
Speaker 1: like run away because I was. You know, the feeling
Speaker 1: I felt, and I feel kind of now, is that
Speaker 1: there is a huge transition happening, and I'm kind of
Speaker 1: afraid of it, even though I know it's a good thing.
Speaker 1: Like I knew I wanted to marry you, I said, dull,
Speaker 1: but whatever you I'll be nosy anyway, Superman, I knew.
Speaker 2: I wanted to marry Superman, and I did.
Speaker 1: I mean, we've been dating for a number of years,
Speaker 1: but I also knew, okay, we're getting married. We're stepping
Speaker 1: from one place to the next. It's like the difference
Speaker 1: between going from sixth grade to seventh grade, So what
Speaker 1: still in middle school, but you go from eighth grade
Speaker 1: to ninth grade still a year, but now you're in
Speaker 1: high school. And that's what I've been feeling, like that
Speaker 1: the things that are happening are a clear signal that
Speaker 1: I am no longer where I was before, where it
Speaker 1: was so comfy, And so I know that it's a
Speaker 1: good thing because it means that I'm taking what we're
Speaker 1: doing to the next level. But it's also a new place,
Speaker 1: so I'm a little nervous because I'm like, well, I've
Speaker 1: never been here before.
Speaker 2: I just gotten really comfortable where we were before. So
Speaker 2: it's more so that.
Speaker 3: Yeah, but I mean, I don't know, I'm saying, you're
Speaker 3: We haven't talked about your coach in a while.
Speaker 2: Oh, yes, I decided to bring him on for a year.
Speaker 2: M M okay, what do they have to say about it?
Speaker 2: I forget if it's a hero he he I didn't
Speaker 2: even because so we we it's been like a month
Speaker 2: and a half, so we're actually like working out like
Speaker 2: the contract. So but I'm bringing him on for a year.
Speaker 2: We haven't had this.
Speaker 1: We talked about it a little bit, and he definitely
Speaker 1: tells me that like I hold back too much like
Speaker 1: so many women, and that like I need to like
Speaker 1: step into my dopeness. He's like, it's okay, tifany to
Speaker 1: say you're this shit. Sometimes I'm like, ah, don't say that.
Speaker 1: I'm nice, Like it's kind.
Speaker 2: So that's part is really hard.
Speaker 1: But so that's those were conversations we used to have earlier,
Speaker 1: so we have not so it was a three month contract,
Speaker 1: but it was it went so well, I said, let's
Speaker 1: do it for a year. But like, there's there's components
Speaker 1: to work out. So although we've had kind of like
Speaker 1: light conversations, we're waiting to like sign before we start
Speaker 1: back up again. What I like, it's not just me
Speaker 1: coaching with him, it's also him his team also integrates
Speaker 1: into my team, just like before.
Speaker 2: So I'm excited about what that looks like.
Speaker 1: But yeah, so, like I said, it's just it's just
Speaker 1: I'm I was a kid in school that sometimes got
Speaker 1: bees on purpose because a's brought too much attention, oh
Speaker 1: you know what I mean. And not attention meaning like
Speaker 1: from the teacher, but too much I won't, you know,
Speaker 1: the wrong way.
Speaker 2: Attention. Expectation, Yeah, expectation, yes.
Speaker 1: Because I remember when I got straight a's for the
Speaker 1: first time. My dad was like, hey, so you can
Speaker 1: get it. I don't want anything else, And I was like,
Speaker 1: oh the pressure.
Speaker 2: I feel like the stakes are high. You're afraid to
Speaker 2: fail to fail.
Speaker 1: But yes, and also too, like what if it don't
Speaker 1: really work out like people are expecting.
Speaker 2: I kind of like being like underdog Tiffany, I'm.
Speaker 1: Just you know, I'm doing at scrappy Tiffany, you know,
Speaker 1: but then now it's like, oh, your mainstream Tiffany, Well,
Speaker 1: of course you're going to do that.
Speaker 2: That's it. So I don't know.
Speaker 1: I just think that I'm just struggling with the transition
Speaker 1: because it's the end of the beginning and it's the
Speaker 1: beginning of the middle. And it's very clear that that's
Speaker 1: what's happening with the things that are happening, like like,
Speaker 1: you're no longer and I'm not. I mean, we're ten
Speaker 1: years old, so we're not like, I guess, a startup
Speaker 1: as far as, like you know, years in, but it's
Speaker 1: more so it's a we have a officially elevated to
Speaker 1: the next level. And remember I told you before that
Speaker 1: I don't know if you remember, but I told you
Speaker 1: maybe like like a couple of years ago, a year
Speaker 1: or so ago, I said that I want to write
Speaker 1: a business book called like do Good. But I was like,
Speaker 1: I'm not gonna write business book until I make a
Speaker 1: list eight figures, like that's crazy.
Speaker 2: I want to make a list ten million dollars.
Speaker 1: And I was like a year ago, we're there now,
Speaker 1: and I'm like, okay, and that's just with one business,
Speaker 1: and so.
Speaker 2: It just it. You know, there are people who work
Speaker 2: for me. This is all they do. Many people who
Speaker 2: work for me, this is all they do.
Speaker 1: So there's that too of like making sure, like, you know,
Speaker 1: we've never been late with payroll, and we're not going
Speaker 1: to be, you know. I mean, I I'm I have
Speaker 1: six months worth of savings in one company and then
Speaker 1: like three and a half four months worth of savings
Speaker 1: in another, and similar in another.
Speaker 2: So I'm always really mindful of things like that. But
Speaker 2: it's just I used to be a pre school teacher,
Speaker 2: you know, and so sometimes I'm just like.
Speaker 1: Ah, I'm still figuring it out, and so yeah. So
Speaker 1: but I also have learned. One thing I've learned through
Speaker 1: all this is to lean into help around me. So
Speaker 1: I've gotten much better at that. So yeah, I think
Speaker 1: people think that because you've reached a certain level, you
Speaker 1: figured it out. I don't know anything. Every every day
Speaker 1: I'm like, I think, so let's try it. Everybody on
Speaker 1: my team knows that I'm gonna let's try it and
Speaker 1: see what's the worst that can happen. As long as
Speaker 1: nobody dies, that's my only rule. As long as you know,
Speaker 1: should we switch the colors of the block. I'm like,
Speaker 1: will anybody die? They're like tiffing down.
Speaker 2: I'm like, well, girl, switch the Collins. What the hell cares?
Speaker 2: I don't care, but we can always switch it back,
Speaker 2: you know.
Speaker 1: So yeah, I guess it's just it's it's growing pains,
Speaker 1: and you know, because of good. Like I said, good
Speaker 1: things are happening, But it's just it's a it's a
Speaker 1: space that I dreamt of before you ever dream of something.
Speaker 1: It's like you wanted that Nintendo, but you don't think
Speaker 1: your mom's really gonna get you a Nintendo, and then
Speaker 1: you get it and you're like, wait, what, I'm actually
Speaker 1: getting a Nintendo.
Speaker 2: It's real life. And so that's the space of men.
Speaker 1: Like I said, it really grateful, you know, but also
Speaker 1: sometimes like you know, overwhelmed because I also know that
Speaker 1: there's more to come, and then there's more expectations that
Speaker 1: come along with that.
Speaker 3: Well, I part of me feels like, you it's time
Speaker 3: to get like a mental hype person, someone who can
Speaker 3: help you deal as these opportunities come your way. And
Speaker 3: I guess I also feel like, you know, whether that's
Speaker 3: a therapist or like to you know, maybe it's this
Speaker 3: business coach that you have, But I'm like someone I like,
Speaker 3: I know there are incredibly like who coaches Serena Williams,
Speaker 3: like who helps her when she's feel because I know
Speaker 3: she feels probably doubts herself, Like who is that? You know?
Speaker 3: I feel like people, even at the highest levels, must
Speaker 3: have some help.
Speaker 2: But I also feel like.
Speaker 3: Your willingness to to your willingness to say I don't know,
Speaker 3: but I'll try it is also the reason you've been
Speaker 3: successful and will continue to be successful. And part of
Speaker 3: me is just like, and you're kind of I can
Speaker 3: hear you listing out the facts, the reasons, the logic
Speaker 3: of why you know you're doing well, And I just
Speaker 3: feel like, whenever you're having those doubts, just hit your
Speaker 3: self with the logic. Like literally, ten years of work
Speaker 3: has shown that you are more than capable and you've earned,
Speaker 3: you know, the spot that you're in today. You've done
Speaker 3: more to get to where you are today than a
Speaker 3: lot of people have who have reached your level and beyond.
Speaker 3: You know, like you have put in the ward, the blood,
Speaker 3: sweat and tears. We've got five years of evidence in
Speaker 3: this podcast, right, five years, two hundred and forty episodes
Speaker 3: to chronicle that journey. And but what you're going through,
Speaker 3: I think is so human and so real. But I
Speaker 3: also feel like people need you. You've got to like
Speaker 3: the hero in the movie is scared shitless, but they
Speaker 3: still got to beat the bad guy. And I kind
Speaker 3: of feel like we need the hero, like the people
Speaker 3: need like millions of people need to know you, and
Speaker 3: they will and you will read you will like you'll, you'll,
Speaker 3: you will meet the moment where it's at. It's freaking
Speaker 3: it sounds like scary and all that, and it will be.
Speaker 3: But people are waiting on you. They need you, like
Speaker 3: America needs you. No pressure, no presh. But yeah, so
Speaker 3: let's while while you're talking about your success, I mean,
Speaker 3: was this going to be your.
Speaker 2: Boost or can we talk about it now? Your GMA segment, Oh,
Speaker 2: that was gonna be my boost.
Speaker 3: Okay, we can save that, we can save it, we
Speaker 3: can save it. Let's save that a little, uh for
Speaker 3: your boost you guys later on, stay tuned, and Tiffany
Speaker 3: will give us all the behind the scenes on her
Speaker 3: GMA debut.
Speaker 1: Yes, but all in all, though I don't know if
Speaker 1: you were listening to I was like, uh, listening to
Speaker 1: like a video that Jeffrey from Minority Mindset on YouTube
Speaker 1: put out, and just like, how there's just this real
Speaker 1: It's weird because it doesn't feel like we're in a recession,
Speaker 1: but that so many people in financial high places, if
Speaker 1: you will, are just like, although it doesn't feel bad,
Speaker 1: that it is bad and we won't feel the effects
Speaker 1: until later. What do you think about that?
Speaker 3: I just real gears, which was all the gears, Yes,
Speaker 3: economy got it.
Speaker 2: I'm just I think that's free.
Speaker 1: I was just like, you know what, I've been feeling
Speaker 1: like that, honestly since the very beginning. I have people
Speaker 1: are kind of like walking around willy nilly, and I'm like,
Speaker 1: I I think I was telling my sister today, I'm like,
Speaker 1: don't get too crazy, miss I just went for a
Speaker 1: SPA treatment and this and that, like make sure you
Speaker 1: have your savingsquirrel, I don't. I mean, yes, you know,
Speaker 1: maybe maybe everything will be fine, but you don't throw
Speaker 1: a stone in the water and there not be a ripple.
Speaker 1: And we haven't seen the ripple, which really means it's coming.
Speaker 2: I mean, I feel like we put a nuclear bomb
Speaker 2: in the water and that's the coronavirus pandemic.
Speaker 3: Yeah, I've every every good thing financially that's happened in
Speaker 3: career wise, this year has been a real blessing from
Speaker 3: my perspective. But at the on the on the other side,
Speaker 3: I do feel very much like the squirrel squirreling away
Speaker 3: nuts or the grasshopper, No, the grasshopper was the one
Speaker 3: who didn't who's sing all summer anyway, whatever, I do
Speaker 3: feel like I'm in a protection kind of phase. Like
Speaker 3: and even today stock market went down a couple percentage points,
Speaker 3: which sounds small, but it is the biggest decline in
Speaker 3: a few months now and for me, I and at
Speaker 3: the beginning of the pandemic, I definitely like, you know,
Speaker 3: we were focused. We were lucky that we had replenished
Speaker 3: our savings account to where it was after the you know,
Speaker 3: after our home renovation and all of that. But I
Speaker 3: feel very much like, take your wins while you get them,
Speaker 3: prepare for the worst, hope for the best. In terms
Speaker 3: of my investing strategy, I haven't changed too much. I mean,
Speaker 3: my investing strategy is very much continue putting in a
Speaker 3: consistent amount of money into the market with every paycheck.
Speaker 3: Any extra money I get put a percentage of that
Speaker 3: into my brokerage account and then let it go. You know,
Speaker 3: I've got a really good, diverse portfolio made up of
Speaker 3: index funds largely. Yes, I've talked about my little brokerage
Speaker 3: account on the side, which we are invested in some
Speaker 3: individual stocks and ETFs and things like that, which is fine,
Speaker 3: But the bulk of my investments I feel. I don't mean,
Speaker 3: I'm not going to say confident, but my strategy is
Speaker 3: when I'm confident, and I think times like this are
Speaker 3: when you've just got to stick to your plan. And
Speaker 3: part of my plan is that I have a cash
Speaker 3: cushion for sure six months and you know, if people
Speaker 3: feel like now the time to take on big risks, okay,
Speaker 3: but no, we definitely haven't. We definitely haven't. I don't
Speaker 3: think gotten through. There's still no vaccine. I mean that's
Speaker 3: why the market was down today. Not only is there
Speaker 3: no vaccine, but there's also probably not going to be
Speaker 3: a stimulus package, maybe even not before the year is over.
Speaker 3: Because our our elected officials are a hot day MS.
Speaker 3: They can't agree on anything. The election is a week away.
Speaker 3: You know, we don't know how that what that out
Speaker 3: comes going to be good orbit or not. I won't
Speaker 3: say good or bad, but uh, you know, Trump or Biden.
Speaker 2: I can't. I can't.
Speaker 3: There is so much uncertainty. I yeah, I kind of
Speaker 3: envy people who can walk through the world like la
Speaker 3: la la lads, toddlers and like really rich white guys
Speaker 3: because everything's great, everything's fine.
Speaker 2: I think a lot.
Speaker 3: There's a lot to be grateful for. And I think
Speaker 3: one of the things that requires, you know, no therapy,
Speaker 3: no medication in terms of battling anxiety is to focus
Speaker 3: on things you're grateful for and happy about and focus
Speaker 3: on positive things. And I some days I'm better at
Speaker 3: that than most, but I just try to stay positive
Speaker 3: and stick to the plan.
Speaker 1: Yeah, and that's all we can't do, but I definitely
Speaker 1: want people to. It's almost like with the pandemic and
Speaker 1: everybody's kind of like outside chilling. It's like sis, really
Speaker 1: put your mask on. But the same thing as it
Speaker 1: relates to your finance is like put your financial mask on,
Speaker 1: which to me is make sure that you are saving,
Speaker 1: make sure that you are you're looking at your budget
Speaker 1: and if you had to make a cut, you know
Speaker 1: with that where you could you know, make sure that
Speaker 1: you are being conservative with your spending, at least for
Speaker 1: the time being, until we can kind of see where
Speaker 1: things settle. I just don't want people to I remember
Speaker 1: doing too thousand and eight because I didn't. I didn't
Speaker 1: really feel the sting of the Great Recession until the
Speaker 1: end of two thousand and nine. So two thousand and seven,
Speaker 1: as things were kind of like rumbling, I was like,
Speaker 1: two thousand and eight, I was like, ooh, it's bad
Speaker 1: out there, not for me. Beginning of two thousand and nine.
Speaker 1: The end of two thousand and nine, I was like, so,
Speaker 1: where's the unemployment line again? And so I basically say
Speaker 1: all that to say I had an opportunity to tighten
Speaker 1: up a little bit to make it easier for me
Speaker 1: when it was my turn, and I didn't take it
Speaker 1: because you know.
Speaker 2: Youth and foolishness.
Speaker 1: So if you are doing decent right now, you have
Speaker 1: an opportunity to basically put your mask on, tighten your belt,
Speaker 1: and so that way, if something does come your way,
Speaker 1: you have something to lean back on. I just don't
Speaker 1: want people to pass up on that opportunity because everyone
Speaker 1: doesn't have it. There's some people who are struggling right now,
Speaker 1: they're not having to wait.
Speaker 3: They're there now. Yes, absolutely, I one hundred percent agree.
Speaker 3: Put your physical mask and your financial mask on.
Speaker 2: I love that. Put your money mask on.
Speaker 1: Yes, Oh I love that. Oh that's a good one
Speaker 1: for it. I think that's a good title. Put joint
Speaker 1: money mask on. Save trim expenses. I am quite proud.
Speaker 1: Childcare is like the one silver lining. I mean, it's
Speaker 1: also like the best and worst thing about this year
Speaker 1: has been had we did not have to spend two
Speaker 1: thousand dollars a month on daycare for Rio, which we
Speaker 1: would have had to do probably around May. Can you
Speaker 1: how many months has it been? Eight times to sixteen thousands?
Speaker 3: On the other hand, I have had to figure out
Speaker 3: how to be a mom during the workday, which is meat.
Speaker 3: But you know, we haven't paid for childcare until now.
Speaker 3: We are a family friend of ours is going to
Speaker 3: be moving in with us to help with the baby,
Speaker 3: and we're but it's still a lot, a lot lot
Speaker 3: less than you know, we're spending on daycare.
Speaker 2: So that's one. But with that money, I'm kind of
Speaker 2: like we need to be saving that much money a
Speaker 2: month anyway, but also looking for ways to trim expenses
Speaker 2: and just to keep saving and investing. And you're right,
Speaker 2: don't get too comfortable.
Speaker 3: I don't think. I just don't think I'm mentally capable
Speaker 3: of being that. I don't know, just that nonchalant about things.
Speaker 3: I just don't think that's part of my DNA.
Speaker 2: No it's not.
Speaker 1: It's not not mine either, But I know that well,
Speaker 1: not anymore because I've learned that lesson. But I know
Speaker 1: I know what it is to feel comfortable. Human beings
Speaker 1: are like, you know, when things are good, oh they
Speaker 1: always be good. When things are bad, oh they always
Speaker 1: be bad. So I just wanted to make sure that
Speaker 1: if you are fortunate enough where things are decent to
Speaker 1: what I do is keep what I call squirrel energy.
Speaker 1: Like when things are good, squirrels be out there hustling
Speaker 1: and saving nuts, right, and then when things.
Speaker 3: Are bad, pumps apparently, yes, raggedy squirrels, right.
Speaker 1: And then but when things are bad, squirrels anticipate that
Speaker 1: one day things might turn alone left, and you know
Speaker 1: they do. They're like, you know what, that's why I
Speaker 1: put up during good times, and I think just just
Speaker 1: reminding I always remind myself that that, like squirrels are
Speaker 1: super smart, and that they enjoy the good times but
Speaker 1: also put up during the good time, so that way
Speaker 1: they can they can, you know, they can hibernate.
Speaker 2: And and wait out the bad times.
Speaker 1: And so I just encourage you to do that if
Speaker 1: you're like I said, if you're because some people they've
Speaker 1: already lost their jobs, they've already they're already trying to
Speaker 1: figure out how they're gonna play more their mortgage. They're
Speaker 1: already there now. So if you're fortunate that you're not there,
Speaker 1: don't take it for granted.
Speaker 2: A men, sister, friend, is it time for my favorite time? Questions?
Speaker 2: Is that what you're asking? Cool questions?
Speaker 3: Yeah, let's take a quick break and we'll be right
Speaker 3: back with y'all questions. Okay, guys, we are back with
Speaker 3: your questions again. Hit us up on Instagram. We're at
Speaker 3: Brown Ambition Podcast, or you can also email us directly
Speaker 3: Brown Ambition Podcast at gmail dot com with your question.
Speaker 3: First question, this is an interesting one. We're just talking
Speaker 3: about saving and investing, and this comes from a listener
Speaker 3: who wants to remain anonymous, but she asks, what is
Speaker 3: the best retirement account for someone who's only a couple
Speaker 3: of years away from retiring, would it be best to
Speaker 3: open a target date fund or an index fund?
Speaker 2: Interesting question. She said a couple of months away, A
Speaker 2: couple of years? Did I say months? I met? She
Speaker 2: says years, A couple of years away, retired from retiring.
Speaker 2: I mean that's difficult, I know, because a couple means
Speaker 2: let's say five.
Speaker 3: Let's just for this, for this, for this examples sake,
Speaker 3: Let's say five, because my I have well, my dad,
Speaker 3: my dad is sixty and I keep thinking about what
Speaker 3: is his retirement plan? And he's, you know, he hasn't
Speaker 3: he opened a four to one K, but not that
Speaker 3: that long ago target date fund. I don't even know
Speaker 3: if they. I mean, you've listen. There's no rules about
Speaker 3: target date funds, Like if you wanted to go and
Speaker 3: open up a target date fund for like twenty twenty five,
Speaker 3: if that exists, I don't know. Probably it does, you
Speaker 3: could do that. It just means most likely that it's
Speaker 3: going to be really conservative and thinking about your time horizon,
Speaker 3: which is so short. I mean, you can't expect to
Speaker 3: necessarily make a bunch of money in the next couple
Speaker 3: of years to be able to sustain it, to sustain
Speaker 3: a retirement that being said, retirement isn't the end of
Speaker 3: your life obviously, And I wish we knew how long
Speaker 3: you were saying you were going to be retired, or
Speaker 3: like how long you plan to need money to last
Speaker 3: you through retirement, because you know, let's say you have
Speaker 3: fifteen twenty years of beautiful life ahead of you, that's
Speaker 3: a pretty long time horizon for investing. And I think
Speaker 3: it's a myth that people who are older shouldn't be
Speaker 3: in the market. I think you just need to do it.
Speaker 3: You have to do it wisely, with your time horizon
Speaker 3: in mind, and yeah, and just be realistic about your expectations.
Speaker 1: And I'll say this that ideally, if you're going to
Speaker 1: enter into an investment, that you have at least five
Speaker 1: years to kind of see something come to fruition.
Speaker 2: But there's a couple of things.
Speaker 1: One in retirement as in like if you think like
Speaker 1: I'm just you know, I'm not going to work anymore,
Speaker 1: or is it that you know, like I'm not going
Speaker 1: to work at that job, But it doesn't mean like,
Speaker 1: you know, I really like I don't know, teaching kids
Speaker 1: how to like roller skate or whatever. So you would
Speaker 1: still have other income coming in so because you might
Speaker 1: just say, like, you know, I'm going to be sixty
Speaker 1: five in two years, but if you don't have enough
Speaker 1: money set aside to support you, then you will have
Speaker 1: to continue to work, but maybe just not as much.
Speaker 1: So just be open to that. They're you know, they're
Speaker 1: certainly social Security income that you'll be eligible for, but
Speaker 1: also you might want to continue to work part time
Speaker 1: to supplement the fact that your retirement account might not
Speaker 1: have all that you will need. But a couple of
Speaker 1: years is not going to be able to make up
Speaker 1: for you know, like decades of like setting aside for
Speaker 1: a retirement. But it doesn't mean that you shouldn't set
Speaker 1: aside something because but like the rule of thumbs typically
Speaker 1: is that you're when you're looking to invest into the market,
Speaker 1: to give it at least five years to kind of
Speaker 1: bring something back. But even then, you know, ten thousand
Speaker 1: is not going to turn into to one million in
Speaker 1: five years.
Speaker 2: I mean unless something crazy.
Speaker 3: What if they're a person who has this is this
Speaker 3: is also something that I've personally, you know, had people
Speaker 3: in my family like this. They have a bunch of
Speaker 3: money in cash but have never invested it and maybe
Speaker 3: may listen this is a very thin question. Not But
Speaker 3: let's just like play pretend, Like what if this person
Speaker 3: has one hundred thousand dollars in cash that they have
Speaker 3: just squirreled away throughout their entire and now they're like, well, okay,
Speaker 3: I want to be sure that this money is you know,
Speaker 3: going to last me through retirement, so maybe I should
Speaker 3: invest a big chunk of it. And how can I
Speaker 3: do that to ensure that it at least protects me
Speaker 3: from inflation?
Speaker 2: Which could be fair?
Speaker 1: You know, No, you're right, because honestly, if I had
Speaker 1: not found a Julie my financial planner, then that would
Speaker 1: be me with all this money sitting in a safe
Speaker 1: as account because I was terrified of making a mistake
Speaker 1: like I did the first time I started investing.
Speaker 2: So that's that's very feasible. Well, then yes, you want
Speaker 2: to I would.
Speaker 1: I would put in something conservative to Mandy's point, if
Speaker 1: I probably would still leave myself. Let's just say you
Speaker 1: are someone I'll probably leave myself with six months twenty
Speaker 1: years worth of emergency fund and then put the rest
Speaker 1: in a passive so a low something with a low
Speaker 1: Uh what is that thing called expense ratio? Yes, expense ratie,
Speaker 1: which is basically the fee that they charge you. So
Speaker 1: I'll put it in an index fund that's passively managed,
Speaker 1: because passively managed just means the algorithm picture investments actively
Speaker 1: managements a human being, and anything that humans get close
Speaker 1: to costs more money.
Speaker 2: So I probably just.
Speaker 1: Put it in an expense a low expensor ratio index fund,
Speaker 1: like maybe like some S and P five hundred index
Speaker 1: fund or something like that, or a total market index fund.
Speaker 1: But I'm not your financial advisor or planner or whatever,
Speaker 1: So this is just what I would do for Tiffany
Speaker 1: and then and then you know, rock out and see
Speaker 1: like what happens at least to start. But yeah, and
Speaker 1: it's always best to help your money grow money money
Speaker 1: to me, not to me. In just general, money is
Speaker 1: like a tree or plant. It is a If it's
Speaker 1: not growing, it's dying. Like if your plan is not growing,
Speaker 1: it's not growing leaves, it's not growing taller, it's not
Speaker 1: going right or however your plant grows. If your plant
Speaker 1: stops growing, that means your plant is dying. And that's
Speaker 1: literally what happens with the money. It must grow because
Speaker 1: inflation says so, and inflation is when your money is
Speaker 1: worth less over time, and things start to cost more
Speaker 1: over time. This is why your grandma tells you when
Speaker 1: I was young, baby, I bought a house for twenty
Speaker 1: five thousand dollars. Of course you did, Grandma, because one
Speaker 1: twenty five thousand dollars could do a lot more back then,
Speaker 1: and two houses were cheaper. Over time, your money loses
Speaker 1: value and overtime things cost more money. And so if
Speaker 1: your money is not growing to at least keep the
Speaker 1: pace of that, then your money is effectively dying. So
Speaker 1: just keeping that in mind, just in general, anyone who's listening,
Speaker 1: that you want to help your money grow or else
Speaker 1: you are losing money hand over fists day after day.
Speaker 1: Because I think the I just was reading the other
Speaker 1: day that about every twenty years or so, the cost
Speaker 1: of goods double. So if your grandma bought a house,
Speaker 1: you know, forty years ago, the house has probably doubled twice.
Speaker 1: So she bought it for fifty thousand, that same house
Speaker 1: is probably going for about two hundred thousand right now.
Speaker 1: So just keep that in mind that you want your
Speaker 1: money to grow. Yeah, and when we say index funds again,
Speaker 1: you know, without knowing your situation, and I honestly feel
Speaker 1: like this is a really good time to maybe pursue
Speaker 1: a relationship with an investment advisor. That sounds so romantic,
Speaker 1: I didn't mean it that way. Look in your area
Speaker 1: for reputable feel only a financial planner or investment advisor
Speaker 1: in your area to work with, and we can post
Speaker 1: some resources in our show notes to find someone who's
Speaker 1: registered in your area.
Speaker 3: And you know, God, do your background check and all
Speaker 3: of that. But you know, when we say index fund,
Speaker 3: there's different types of index funds. I mean you could
Speaker 3: put your money into a bond index fund with bonds.
Speaker 3: They're backed by the US government, which means that they're
Speaker 3: guaranteed to make a certain percentage. And I think right now,
Speaker 3: especially with things like more conservative deposit accounts like CDs
Speaker 3: right now and money markets, their rates are so low
Speaker 3: these days that you know, a bond et like a
Speaker 3: bond index fund or bond etf may be better for
Speaker 3: someone who wants to invest, but maybe not be as
Speaker 3: risky as someone who has a much longer time horizon
Speaker 3: in front of them. But I just want to get
Speaker 3: across the point that it's not too late, and especially
Speaker 3: if you're in that made up scenario that I created
Speaker 3: for you, where you have a bunch of money sitting
Speaker 3: in the bank in cash. You know, you want to
Speaker 3: be conservative, but I do feel like there's value in
Speaker 3: investing conservatively, Like Tiffany said, to be sure that that
Speaker 3: money lasts as long as it possibly can for your
Speaker 3: for your golden years.
Speaker 2: Mm hmm. Your coding is. But that was good perspective,
Speaker 2: mandra about like maybe they have a ton of money and.
Speaker 1: It's just they just glass half full. Yeah, but it's
Speaker 1: still here's the thing. People work, you know, like they
Speaker 1: if you enjoy what you do, you know you don't.
Speaker 2: You don't. I don't plan on sitting down.
Speaker 1: I mean unless I get sat down, I you know,
Speaker 1: just because I've already basically reached financial independence, I guess
Speaker 1: you could say, and so I.
Speaker 2: But I enjoy working. I enjoy what that looks like.
Speaker 1: So certainly you can continue to work to support yourself,
Speaker 1: but also you can enjoy the work as well, so
Speaker 1: don't feel bad about that.
Speaker 3: Yeah, let's take another question. This is from the opposite
Speaker 3: end of the age spectrum, and it kind of just
Speaker 3: shows you the wide range of ages who listen to
Speaker 3: our show, which is kind of amazing. This comes from
Speaker 3: Instagram user. Her name is Aliah Ailiah, which I think
Speaker 3: she spelled phonetically so that I could say it, which
Speaker 3: means she doesn't want to be anonymous. Ya Aliyah, thank
Speaker 3: you for your question. Aliah, she says, due to my
Speaker 3: financial aid situation and the onset of COVID, I've come
Speaker 3: across a generous amount of refunds and stipends from my school.
Speaker 3: I want to do something with the extra money sitting
Speaker 3: in my savings that will possibly help me out later on.
Speaker 3: Do you guys have any suggestions for a nineteen year
Speaker 3: old trying to set herself up for success?
Speaker 2: Oohoo, Aliah. So she's in school, she has stipends leftover.
Speaker 3: Some refunds, some stipends from the school, so she's got
Speaker 3: some cash sitting in the bank and is wanting to
Speaker 3: know if we have suggestions. She's nineteen trying to set
Speaker 3: herself up for success later.
Speaker 1: Well, I would say, first and foremost, Aliyah, just to
Speaker 1: have your little emergency fund stash, you know, like three
Speaker 1: months is okay? Six months is better of like your
Speaker 1: basic beer bowls expenses. So I like to I don't
Speaker 1: when I think of emergency funds, I don't think like, oh,
Speaker 1: three months of how much I make, I'm like, no, no.
Speaker 1: If I had to drop down and get my noodle
Speaker 1: on with my noodle budget, which is just your if
Speaker 1: you had to eat ramen noodle's budget, if you had
Speaker 1: to get real cheap budget, how much.
Speaker 2: Is that that does that life cost me?
Speaker 1: Because my assumption is if you lose your income, you
Speaker 1: should be dropping down to that budget anyway. So multiply
Speaker 1: that time three, multiply that time six, and if that
Speaker 1: money is enough, if it's just barely enough to cover that,
Speaker 1: then that was it. That's all I would do. I
Speaker 1: know people don't like to hear save, but that's your
Speaker 1: first line defense should something happen. And then if you
Speaker 1: have money outside of that lee I would. I wonder
Speaker 1: did she say if she's working, she's just in school.
Speaker 2: She does not mention if she's working or not.
Speaker 4: Well, if you were working, I would probably If it
Speaker 4: was me, I would probably see if I could start
Speaker 4: a raw FIRA and start putting money aside if I
Speaker 4: was working, because earlier you could start is setting aside
Speaker 4: and investing for retirement.
Speaker 2: The better.
Speaker 1: If you're not working, you can certainly just open up
Speaker 1: a regular investment account. There's no tax advantage there, but
Speaker 1: you know, you could start to set aside of money,
Speaker 1: like we shared with the other young woman earlier about
Speaker 1: looking into putting money to set aside, like in an
Speaker 1: index fund. Or you can start your target date fund,
Speaker 1: which we've talked about many times on the show. Because
Speaker 1: you're so young, it will be aggressively invested, and if
Speaker 1: you didn't know how to do anything, you can.
Speaker 2: If you put your money in the target.
Speaker 1: Day fund and say, hey, I plan on retiring in
Speaker 1: forty years, it would invest very aggressively for now, for
Speaker 1: you for now, and then the older the culture you
Speaker 1: got to retirement, it become more and more conservative.
Speaker 2: So that's what I would do.
Speaker 1: I would save retirement if I'm working, and then invest
Speaker 1: for wealth if I'm not working.
Speaker 3: I love it. I agree wholeheartedly. You're so young, sounds
Speaker 3: like you're probably early into your college career too. I
Speaker 3: think you want to have some savings in the bank
Speaker 3: just as a cash cushion. I mean, you're also going
Speaker 3: to graduate, and you know, I really hope that there's
Speaker 3: a better job market by the time you graduate, but
Speaker 3: let's say there isn't. You'll have that cash cushion and
Speaker 3: look up all the different you know, when you get
Speaker 3: closer to graduation. If you have federal student loans, you know,
Speaker 3: look up the different programs that are there that I
Speaker 3: hope will still be there when you graduate, where you
Speaker 3: can get on income based repayment plans to make your
Speaker 3: student loans more affordable after college, so you don't immediately
Speaker 3: run through your savings should you need it. You know,
Speaker 3: you can keep that savings for other expenses or, like
Speaker 3: Tiffany said, invest a chunk of it for your future.
Speaker 2: But you're on the right track. Nineteen years old and
Speaker 2: listening to Brown Ambition, which awesome?
Speaker 3: Could it get any more like the spectrum there nineteen
Speaker 3: years old in college versus someone who's close to retirement
Speaker 3: and wanting to invest. Yeah, love it. Thank you guys
Speaker 3: so much for your questions. They are the best part
Speaker 3: about doing this show again. Hit us up on Instagram
Speaker 3: at Brand Ambission Podcast. You can send us a DM
Speaker 3: there and I will re them and sometimes I respond,
Speaker 3: and also our email Brand Ambitionpodcast at gmail dot com dot.
Speaker 2: All Right, ready for a boost and break.
Speaker 1: It's time to booster a breaker, Booster break or boo
Speaker 1: boo boo boost but book break break? So I know
Speaker 1: you said you kind of have a break. Do you
Speaker 1: want to breakfast or boot first? Or should I boost
Speaker 1: first before you break?
Speaker 3: I don't know what do you what do you want?
Speaker 3: Do you want me to go first or do you
Speaker 3: want to go because I'm ready either way.
Speaker 1: If if you're gonna boo, if you're gonna break, I say,
Speaker 1: maybe go first to stuff. We can end up a lighter note.
Speaker 1: If you're going to boost, then we can. It doesn't matter.
Speaker 3: I'm gonna okay. If people are confused, all right, let
Speaker 3: me just get into it. So today, oh man, this
Speaker 3: man makes me so uncomfortable to look at it.
Speaker 2: Don't know why.
Speaker 3: But Jared Kushner, Uh, if you don't know who he is,
Speaker 3: he is Avonka Trump's husband, and he is I don't know,
Speaker 3: He's got some crazy title in the White House. He's
Speaker 3: basically like Trump's one of Trump's right hand men. And
Speaker 3: he got on Fox News today and decided to talk
Speaker 3: about you know, Obama or not Obama.
Speaker 2: Oh my goodness, what is happening with my mind right now? Trump?
Speaker 3: Trump likes to say that he has done more for
Speaker 3: black people than anyone since Abraham Lincoln. Okay, we don't
Speaker 3: need you don't need us to fact check that for you. Anyhow,
Speaker 3: Kushner was on Fox News of all places, and decided
Speaker 3: to imply that he doesn't think black people want to
Speaker 3: be successful. And he was essentially saying, you know, we
Speaker 3: can't want them to be more successful than they want
Speaker 3: to be successful, which is extremely condescending and problematic on
Speaker 3: so many levels. But I want to flip that because
Speaker 3: while this is you know, so common amongst people who
Speaker 3: want to roll their eyes at minorities, and you know,
Speaker 3: whenever someone tries to acknowledge that maybe we were set
Speaker 3: back just a little bit of a disadvantage by centuries
Speaker 3: of systemic racism and slavery and oppression, people like to
Speaker 3: say that we're just wining and all that. So what
Speaker 3: I liked about this story is that there's a representative
Speaker 3: from Arizona. His name is Reuben Gallego or a Galego.
Speaker 3: I'm not sure how you pronounced his last name. He
Speaker 3: went to Twitter when this thread, when this Kushner interview
Speaker 3: went viral, and he started this thread, which I thought
Speaker 3: was so impactful. He and I'm just going to read
Speaker 3: his thread because he also went to Harvard like Jared Kushner,
Speaker 3: and he basically is like, listen to my story. Let
Speaker 3: me tell you what I did to get into Harvard
Speaker 3: compared to what Jared Kushner did. He says, and this
Speaker 3: is just like a real quick reading of his thread,
Speaker 3: and imagine this is all the steps it took him,
Speaker 3: a minority to get into the same school as Jared Kushner.
Speaker 3: My freshman year of high school, I realized the only
Speaker 3: way to college was going to happen if I did
Speaker 3: well on my exams. So I bought used prep exam
Speaker 3: books and started copying exams from the library. That librarian
Speaker 3: is a close friend to this day. Shout out to
Speaker 3: missus Conley. I was luckily enough to have a job
Speaker 3: that let me practice tests in between flipping burgers. I
Speaker 3: used that money to pay for extra curriculars that would
Speaker 3: look good on a college resume. Not knowing anyone that
Speaker 3: to Harvard, I looked up students in the student directory.
Speaker 3: I called anyone that had a Latino sounding name and
Speaker 3: left messages. A few returned my calls and helped guide
Speaker 3: me to get ready to apply for college. Junior year,
Speaker 3: I intensified my practice exams, added more AP exams, became
Speaker 3: student council president, had my after school job as well
Speaker 3: as other extracurriculars. Senior year, I might be the only
Speaker 3: student to apply to Harvard using money orders, but I
Speaker 3: did it using a friend's computer to apply. Thank you
Speaker 3: to that family, and I figured out how to do
Speaker 3: estimated taxes to do the FASVA. Then the interview process. First,
Speaker 3: my interview was on the North side of Chicago at
Speaker 3: six thirty pm. My mom works five pm downtown. She
Speaker 3: won't make it back in time to drive. I left
Speaker 3: school early to take the bus to the interview, take
Speaker 3: the Blue Line out, take another bus, and then walk
Speaker 3: the last mile. My interviewer hadn't ever had an applicant
Speaker 3: take public transportation to see her. She was surprised when
Speaker 3: I told her I was taking it back home. She
Speaker 3: was kind enough to drop me off at the bus stop.
Speaker 3: Finally accepted. I was so lucky to have a supportive
Speaker 3: mom and sisters that encouraged me the whole way. They
Speaker 3: did countless things to make it happen. Thank you, Familiar.
Speaker 3: Now let me tell you what Jared did to get
Speaker 3: into Harvard. His parents paid millions of dollars to get
Speaker 3: him there, So I won't take lectures about who wants
Speaker 3: to succeed more from a man who couldn't do it
Speaker 3: without money from his parents. Microphone drop exactly right.
Speaker 1: He did not have the greats nor the SAT scores,
Speaker 1: but what his parents did do was donut. I think
Speaker 1: it was two point five million dollars to Harvard. So
Speaker 1: here's the thing.
Speaker 2: And his dad also went to jail just saying, look it.
Speaker 1: Up it what's so crazy to me? And I know
Speaker 1: we're preaching to like the Briannabish and choir. Here is
Speaker 1: that preach there is If Jared don't have nothing else,
Speaker 1: he has the audacity, the white male privileged audacity. You
Speaker 1: really believe that you are special, that somehow you are
Speaker 1: where you are because you are smart, that you work hard,
Speaker 1: that you put yourself in that position. It's just categorically
Speaker 1: not true. You couldn't even get into college without your
Speaker 1: paying two point five million dollars. Bro, that's expensive for
Speaker 1: expensive stupidity, Like bro, people, I mean people have gotten
Speaker 1: to college for less. Okay, it just shows the level
Speaker 1: of stupidity that you brought to the table that it
Speaker 1: took Harvard. It took two point five million dollars for
Speaker 1: Harvard to say, Okay, well loot dummy, here in here.
Speaker 1: So that just is crazy to me. You're not here
Speaker 1: because of your own merit, not even a little bit.
Speaker 1: That's what I struggle with when I see people who
Speaker 1: have privilege and talk as if somehow they've earned it.
Speaker 1: You're not here by your own hand. You're not here
Speaker 1: because of your merit. You're here because of luck of
Speaker 1: the draw. That's it. That's it.
Speaker 2: And if you if I placed.
Speaker 1: You any place else in the world with less, you
Speaker 1: would come out. You would not come out the same
Speaker 1: place where you are now. Those people who like the
Speaker 1: the Gentleman's sweet that you read l all the grit,
Speaker 1: all of the the consistency, all the work that he
Speaker 1: had to do to get where he is. He earned
Speaker 1: that spot. And so I'm not surprised, you know, I'm
Speaker 1: just you know, it's just more of the same. Honestly,
Speaker 1: I I've learned not to. It's so easy to go
Speaker 1: down the rabbit hole and to get so livid. I
Speaker 1: was just doing a keynote the other day, and I
Speaker 1: just wish the lady had not asked me this question.
Speaker 1: She was we were talking about like race or whatever,
Speaker 1: and I was telling her about like the whole my
Speaker 1: whole house situation, which I actually have.
Speaker 2: Really good news.
Speaker 1: Well you know, I'm gonna say it. I have really
Speaker 1: good news. So it's funny because uh, I was. I
Speaker 1: was speaking at Big Brother's Big Sister. No, yeah, Big
Speaker 1: Brother's Big Sisters. I was doing a keynote for their
Speaker 1: national organization, and I was donating my time and then
Speaker 1: we I was talking with the CEO, and I don't
Speaker 1: know how we got to talking about race, but we
Speaker 1: ended up talking about how because so many of the
Speaker 1: kids are are black and brown children, and I was
Speaker 1: sharing how it's so frustrating because it's like you can't
Speaker 1: outwork racism. And I was sharing how, you know, my
Speaker 1: house was undervalued, and even I was questioning myself whether
Speaker 1: or not maybe I had made too big of a
Speaker 1: deal out of it, that maybe that's just not true
Speaker 1: until the New York Times interviewed me and took my
Speaker 1: you know, took a copy of my my appraisal and
Speaker 1: had it independently appraised by someone else. And that guy
Speaker 1: was like, I don't understand, why are these the comps
Speaker 1: for her house? Her house? Is newly renovated, these comps
Speaker 1: are not. And two why they've labeled her house. I
Speaker 1: think it's like a C two instead of a C three.
Speaker 1: Her house was renovated less than five months ago, which
Speaker 1: would say a newly renovated house.
Speaker 2: I think that's like C three.
Speaker 1: But they have her down for C two, which is
Speaker 1: an older house that has wear and tear.
Speaker 2: Oh, I'll tell you why. Racism. So when I.
Speaker 1: Got that report back from the New York Times after
Speaker 1: their investigative report, then I was like, Tiffany.
Speaker 2: You're even doing it to yourself. Were You're like, well,
Speaker 2: maybe I'm making too much of be a deal about it.
Speaker 1: So anyway, I was telling her that, and I felt
Speaker 1: so bad because I felt like I was bringing that
Speaker 1: anger with me during my during my speech, and I
Speaker 1: just say all that to say.
Speaker 2: That it can be. So what can you do?
Speaker 4: You know?
Speaker 1: And I said, I was like, the only thing you
Speaker 1: could do is like write a damn law. I can't
Speaker 1: write laws. And don't you know that day the angel
Speaker 1: Angelavie McKnight, who you might remember her from the Budget
Speaker 1: Nesta laws. She is the assembly woman of in Jersey
Speaker 1: City who reached out to me and said, I want
Speaker 1: to I want to write a law about education and
Speaker 1: about financial education, and we work together to create the
Speaker 1: budget Neiste Law, which makes it mandatory for middle school
Speaker 1: students to learn.
Speaker 2: Financial education in school.
Speaker 1: She said, I've been following your story about you, posting
Speaker 1: about you know, how you know, like what happened to
Speaker 1: you and in your home and how this is this
Speaker 1: is a pandemic and an epidemic for black and brown people,
Speaker 1: and how their homes are under praise. She said, I
Speaker 1: want to write a law. Can you imagine many? I
Speaker 1: literally just said there's nothing I could do. I can't
Speaker 1: make a law, and.
Speaker 2: She's like, let's make a law. I was like, wait what?
Speaker 1: So she actually set me something to read. I hope
Speaker 1: I'm not preemptively but whatever, I mean, it's going to
Speaker 1: be public soon.
Speaker 2: But that finally something to do.
Speaker 1: I hate this Jared Kushner thing because I feel like
Speaker 1: there's nothing to do there. He's an idiot, and I
Speaker 1: mean literally not just an idiot because he said it,
Speaker 1: he's an idiot. He didn't get it too. Harvard's he's
Speaker 1: an idiot, you know. So I but there's nothing, there's
Speaker 1: no place.
Speaker 2: To push that energy.
Speaker 1: But here I can proactively say, I'm going to work
Speaker 1: on this law with Angela. I'm going to make it
Speaker 1: illegal for you to appraise someone's house lower because of
Speaker 1: their race or gender or anything else. And then I'm
Speaker 1: going to blast that law anywhere, so anywhere. Unfortunately, right
Speaker 1: now I'm only i only have access here to New Jersey.
Speaker 1: But I'm letting everyone know if your appraising, you'll come
Speaker 1: to the house and he on that bullshit, Okay, let
Speaker 1: him know. There's a long place. So think once, twice, thrice, Okay.
Speaker 1: So I just say there's a happy ending to things
Speaker 1: like like this that you know. I try not to
Speaker 1: focus on much on like the things that I can't
Speaker 1: change because it's it's overwhelming and it's it's counter productive
Speaker 1: for me. But Jared Kushner as well as Iced Tea
Speaker 1: are both idiots.
Speaker 3: See, I feel like they count on our and they
Speaker 3: count on our cynicism, they count on the you know,
Speaker 3: the like people in my neighborhood I mentioned, I live
Speaker 3: in a mostly black neighborhood. It's it's been here for
Speaker 3: since they're mid or sorry, the early nineteen hundreds of
Speaker 3: like one of the oldest middle class black neighborhoods in
Speaker 3: our county. And when I mentioned the fact that, you know,
Speaker 3: I was talking to our someone who's on the local
Speaker 3: town board, and I was saying, you know, I think
Speaker 3: this is why home values here are so low. He's like,
Speaker 3: oh yeah, oh yeah, who you're telling We know that.
Speaker 3: But it's it's almost like a joke. It's almost like, yeah,
Speaker 3: we know. That's just you know, that's the way it is.
Speaker 3: And I think people count on that. And and I
Speaker 3: think you're right, Tiffany, like we need they need, we
Speaker 3: need to have the energy. We need to talk to
Speaker 3: our local officials. You know, you're in Jersey, but this
Speaker 3: is how across the nation. So contact your local legislator,
Speaker 3: like contact they represent you. They're meant to. It's more
Speaker 3: convenient if we don't think that they do anything for us,
Speaker 3: because then we don't bother them with our phone calls
Speaker 3: and emails, you know. But I think we have to.
Speaker 3: We have to speak up and share our stories. And
Speaker 3: I think this is a really good example of that.
Speaker 3: Is when you find someone when those two things meet,
Speaker 3: so a citizen who has a story to share that
Speaker 3: is you know, blatant racism, systemic racism, You know, holding
Speaker 3: someone back from from financial success. And then you have
Speaker 3: a lawmaker who's willing to do the work, which is
Speaker 3: rare but shouldn't be. So yeah, I think that's a
Speaker 3: great like call to action tivity. If you have a
Speaker 3: story out there, something similar, maybe it's not at home appraise, well,
Speaker 3: maybe it's something else. Maybe you got denied for a
Speaker 3: small business loan or something like that, or you wanted
Speaker 3: to start a business and you were denied a permit
Speaker 3: for something. Contact your local officials and make a big
Speaker 3: stink about it. You know, don't let your cynicism be
Speaker 3: to their gain.
Speaker 1: And you know what we can and maybe it might
Speaker 1: be nice, honestly to have Because I did a live
Speaker 1: one time with Angela to talk about how do you
Speaker 1: get a law passed?
Speaker 2: And I said this.
Speaker 1: She was like, girl, if you think something is wrong,
Speaker 1: reach out to me. But she's like, it's not just me.
Speaker 1: So if you are like, hey, I don't like the
Speaker 1: fact that this is happening, you know, you can reach
Speaker 1: out to your local.
Speaker 2: Legislators and say, hey, what can we do?
Speaker 1: I would love honestly we might think about having her
Speaker 1: on so that way we can actionize people to say
Speaker 1: if something is wrong.
Speaker 2: Here's the type of people.
Speaker 1: There's assembly women, there's I don't know, like what other whoop,
Speaker 1: what other people you can reach out to get laws
Speaker 1: created and passed and all that kind of stuff. But
Speaker 1: I would love to have her on to walk us
Speaker 1: through the process of if something is wrong and you
Speaker 1: reach out to your assembly woman or whomever, and then
Speaker 1: this is the process. I think it would be because
Speaker 1: I want people to feel like they can do something,
Speaker 1: not just feel like they are a victim of but
Speaker 1: that know that there are other assembly women, not quite
Speaker 1: like Angela because she's amazing, but there are other people
Speaker 1: out there who want to know how to make this
Speaker 1: world better and they will put their energy in might
Speaker 1: behind it. So I think she might be like a
Speaker 1: great guest to have to talk about, like you know,
Speaker 1: you know, a political episode.
Speaker 2: Yeah, that sounds amazing. I love it.
Speaker 1: Yeah, because she's honestly, she's amazing. She just I've never
Speaker 1: seen anyone like Angela.
Speaker 2: She is more.
Speaker 1: I have to google it, but I think last time
Speaker 1: I checked, she was like the lawmaker in the last
Speaker 1: whatever number of years that has gotten more. Last passed,
Speaker 1: she got the crown law passed in New Jersey, which
Speaker 1: is means you can't be you can't be discriminated against
Speaker 1: because of your natural hair as a black and brown woman.
Speaker 2: She's amazing.
Speaker 1: So I just think she is a real advocate for
Speaker 1: this community and not just talk someone who was like, oh,
Speaker 1: you know, that's not right.
Speaker 2: You know what, it's been a long place.
Speaker 1: And knows how to navigate the system because getting a
Speaker 1: law pass is not easy. You can't just have your
Speaker 1: side agree. She knows how to present it in such
Speaker 1: a way that most more than just you know, she's
Speaker 1: a Democrat more than just the Democratic representation thinking like
Speaker 1: this is a good idea. So so yeah, I think
Speaker 1: that would be great. And actually I'll see how soon
Speaker 1: she could come on because it might be perfect for
Speaker 1: like the episode right after the election results to talk
Speaker 1: about depending on what happens, like here's what you still
Speaker 1: can do either way.
Speaker 3: You know, well, I'm really that sounds amazing. I really
Speaker 3: wanted to have the founders of this organization called Higher
Speaker 3: Heights on, So I don't know if you've heard about
Speaker 3: Higher Heights, but we can talk about it offline. But
Speaker 3: Higher Heights and even if you guys just want to
Speaker 3: do quick google, this is an organization that essentially, you know,
Speaker 3: kind of like Emily's List, but on a smaller scale
Speaker 3: for Black women especially and helping black women ascend and
Speaker 3: basically get elected. So they look for black women who
Speaker 3: are looking to get elected, looking to run for office,
Speaker 3: local office in their areas, and basically helps them. So
Speaker 3: they're a really really fantastic organization. And I love that idea.
Speaker 3: Maybe like a post election, you know, forget like I
Speaker 3: want Joe Biden to be.
Speaker 2: The last white guy.
Speaker 3: We have to look to save ourselves, you know, like
Speaker 3: they would be like I love Joe, but like let's
Speaker 3: figure out how to save ourselves and its organizations like
Speaker 3: Higher Heights. And there's other ones out there too, people
Speaker 3: like Angela what's her last name v and I'll be
Speaker 3: McKnight be McKnight. I almost said mcphe close. Angela Vie
Speaker 3: out there who are yeah making it happen. That's that's
Speaker 3: a good idea. Yeah, let's me.
Speaker 1: Yay power power to the people. So yeah, oh me, Well,
Speaker 1: I'm like, you know what we turned that you boost?
Speaker 1: I know, Okay, So I forgot. I'm like, okay, bye, guys. No,
Speaker 1: well my boost honestly, it's I'm excited. I was on
Speaker 1: Good Morning America for the very just.
Speaker 3: Girl. You alway watched all eight minutes and forty three seconds, yo,
Speaker 3: it was so crazy.
Speaker 1: So here's the thing about good work. I was on
Speaker 1: Good morn in America literally years ago for like two seconds.
Speaker 1: I think I asked a question. They were like looking
Speaker 1: for people to ask a question. I was like, I
Speaker 1: have a question I would have asked, but no, this
Speaker 1: time around, it was so special because, well, one there's
Speaker 1: a video Robin Roberts has. She's one of the main
Speaker 1: hosts of Good Morning America. She's got this production company
Speaker 1: called Rock and Robin, and she does something called Thriver
Speaker 1: Thursday where they find people that went through a difficult
Speaker 1: time and not only saw themselves through it, but helped
Speaker 1: other people as well. So she called them her Thrivers,
Speaker 1: and her production company reached out to me like almost
Speaker 1: a year ago and said we would love to feature you,
Speaker 1: and I was like, okay, But there was no guarantee
Speaker 1: for any sort of GMA anything, because Robin Roberts is,
Speaker 1: you know, she's her own separate person than Good Morning America.
Speaker 2: So as you know, they taped everywhere. They taped at
Speaker 2: my house.
Speaker 1: They taped my parents, they taped Angela, they taped my friends,
Speaker 1: they taped my sister, and so that they were putting
Speaker 1: together kind of like this is your life budget Tiffany
Speaker 1: to the budgetista, they said, Okay, pre COVID, we used
Speaker 1: to debut a clip of this thriver Thursday, typically like
Speaker 1: an eight minute video we typically debut debuted on GMA.
Speaker 1: But we're not going to do that because COVID anybody
Speaker 1: coming to the studio. You can't come to the studio.
Speaker 1: And I said, okay. You know what I said to myself,
Speaker 1: I'm grateful either way. And that's what I told them.
Speaker 1: I said, I'm grateful either way. And then two weeks
Speaker 1: before they said, okay, we think we are going to
Speaker 1: debut a clip, but no studio for you. And I said,
Speaker 1: that's fine. I'm grateful either way. And then like maybe
Speaker 1: like three days before or four days before, the producer
Speaker 1: was like, Tiffany, I've been telling them, Tiffany is not
Speaker 1: just like our Thrive for Thursday person. She also is
Speaker 1: a financial educator. Why don't we have her on to
Speaker 1: do a segment now? If you don't understand, doing a
Speaker 1: segment of Good Running America is like the Emmys, like,
Speaker 1: there is no bigger platform in the morning. They have
Speaker 1: the market they have the largest market share of viewers
Speaker 1: in the morning for this, like a newscast I guess
Speaker 1: what they call them, like three point five three point
Speaker 1: five to four million people watch every morning.
Speaker 2: So it's there.
Speaker 1: There's literally nothing bigger. And so when she said it,
Speaker 1: I was like what, oh, okay. She's like, send me,
Speaker 1: send me a segment that you'd like to do. And
Speaker 1: I was like, well, maybe waste thrived during a recession.
Speaker 1: But I told myself, well, regardless of what happens, I'm grateful.
Speaker 1: And so it was literally like two days before and
Speaker 1: it was like, okay, they agreed. I'm like, wait what.
Speaker 1: She was like, We're gonna do this segment, and I
Speaker 1: was just like.
Speaker 2: Makes sense. This was cary last minute.
Speaker 1: Yes, that's what I was having because I was like, okay,
Speaker 1: this is good, and I kept telling myself to me,
Speaker 1: this is amazing. But at the same time, I was like,
Speaker 1: you know, because it was it was it was twenty kittens,
Speaker 1: and I was like okay, and they were taping. They
Speaker 1: came to my house. I wasn't going into the studio
Speaker 1: because safety and COVID and we taped in the backyard
Speaker 1: and so now you know, I've got makeup and I've
Speaker 1: got like Thankfully, my sister Tracy, who styles me, had
Speaker 1: already had some like clothes from renting one because if
Speaker 1: you know me, I'm like a flobha bob. So luckily
Speaker 1: we had clothes in the house from rent and runway
Speaker 1: so I could look cute. But I was so freaked out.
Speaker 1: And it wasn't until the producer, her name is Danielle,
Speaker 1: shout out to Danielle like, you typically practice your segment.
Speaker 2: I'm assuming beforehand.
Speaker 1: And I was practicing with her and she was like, okay, Tiffany,
Speaker 1: I know you're nervous.
Speaker 2: I was like, you know, I'm just fine.
Speaker 1: She was like she said something to me that was
Speaker 1: just so powerful, and she said, this is your moment,
Speaker 1: this is it is a big deal, and it's okay
Speaker 1: to feel that, but I don't want you to allow
Speaker 1: your nervousness. She treated nervousness like it was like a person.
Speaker 1: I don't want you to allow nervousness to mess up
Speaker 1: your moment.
Speaker 2: She said.
Speaker 1: You can be nervous afterwards, you can throw up afterwards,
Speaker 1: you can do all that stuff. Afterwards, I want you
Speaker 1: to set it aside and I want you to meet
Speaker 1: your moment. You have worked so hard, you have put
Speaker 1: in the time and the effort, you've given so much,
Speaker 1: You've helped so many people. This is your moment, Tiffany,
Speaker 1: this is you getting back what you've put in.
Speaker 2: Meet your moment. When I tell you it was like
Speaker 2: it was like Rocky. I was like start saying, you
Speaker 2: know what you knows. I'm such a like, I'm such
Speaker 2: a do because I was thinking, like, what is that?
Speaker 2: What is that?
Speaker 1: The brave Heart where you had like the blue face.
Speaker 1: Bill Gibson, he was like.
Speaker 2: We ride. That's exactly how I felt.
Speaker 3: I was like, this is what not Kelly Clarkson crying
Speaker 3: on American I.
Speaker 1: Got it and so so literally I'm sitting in front
Speaker 1: of the camera because the way and it's so crazy
Speaker 1: because this is a setup. I used to complain every
Speaker 1: single Sunday because I would have to tape with my
Speaker 1: videographer Jermaine, and I would complain that like everybody else,
Speaker 1: cause have fun Sunday said, I have to tape every
Speaker 1: Sunday to tape these videos for dream Catchers and things
Speaker 1: like that. But it was the same setup, so I
Speaker 1: knew exactly where to look, I knew how to woosign.
Speaker 2: I was talk to myself.
Speaker 1: Thank God for like two years of doing this on
Speaker 1: Sundays with Jermaine. Because I know the setup, it's very familiar.
Speaker 1: I don't have to get used to it. I can
Speaker 1: look at the camera like it's a person, and literally
Speaker 1: I can hear Robin talking about me because you hear
Speaker 1: her introducing me, you hear my playing, so it was
Speaker 1: like a twofer. It was like we're talking about Tiffany
Speaker 1: and all the work she's done at the Bunjanista and
Speaker 1: helping women, and then Tiffany's coming on to do a segment.
Speaker 1: So that never happens with River Thursday, they don't have
Speaker 1: the person also do a segment and so you guys
Speaker 1: can watch it. I'm trying to think it's also it's
Speaker 1: on my ig. It's like a purple background, Like the
Speaker 1: full segment is on my IG, so you can go
Speaker 1: and watch it.
Speaker 3: But I.
Speaker 1: Did it, and like afterwards, I certainly wanted to faint,
Speaker 1: but I was just like, I didn't stutter, I didn't stumble.
Speaker 2: I got it out amazing. I thought it was pre taped. No,
Speaker 2: maybe that way because it was so good.
Speaker 1: Maybe when I tell you literally, I looked at the
Speaker 1: camera and I said, I'm putting the I literally visualized
Speaker 1: me taking the nervousness out of my body and setting
Speaker 1: it to the side, and I said, I'm meeting my moment.
Speaker 2: And then I picked it up properly after that, and
Speaker 2: I was like, the moment, the moment was like, nice
Speaker 2: to meet you, lady. So yeah, it just welcome to
Speaker 2: the next level. And that's how I felt.
Speaker 1: And then after that, the level the types of emails
Speaker 1: that were flooding into my inbox after that, it was,
Speaker 1: I mean, I just can't wait to share with you
Speaker 1: guys some of the stuff I'm a lot of about
Speaker 1: to say just yet. But it just was I needed
Speaker 1: that speech. But that's that's what I mean that, Like,
Speaker 1: I'm really grateful, don't get me wrong. And I'm like, oh, hell,
Speaker 1: I'm gonna cry. I'm really grateful, don't.
Speaker 2: Get me wrong.
Speaker 1: But it's just I'm used to the work. I'm not
Speaker 1: used to the reaping, you know. And so that's what
Speaker 1: I'm struggling with, Like I can so all day, like
Speaker 1: what work sowing? Sure, I'm a workhorse. I'll keep going, going, going,
Speaker 1: going going. But now it's like I'm not you know,
Speaker 1: as much as like with the budget, Lisa. You know,
Speaker 1: I know I'm on a platform, but I'm not. I'm
Speaker 1: not really used to and comfortable with the reaping. Like
Speaker 1: if you give me a compliment, I'm uncomfortable, you know.
Speaker 1: I as much as it seems like I'm not like
Speaker 1: a background person, I really am. I I like the work.
Speaker 1: So this happening is just like wait, what okay? So okay,
Speaker 1: just tell me what to do, what work to do?
Speaker 1: Tell me what how mony long hours to do. I'm
Speaker 1: That's what I've grown accustomed to, and I want to
Speaker 1: break free of that, like it is okay to it's
Speaker 1: okay to enjoy it exactly. And I don't know how
Speaker 1: to do that because how can I learn?
Speaker 2: What's your plan to learn? I figure no, I don't know.
Speaker 3: You need to figure it out quick, girl, I know.
Speaker 3: Because what have you been doing since Thursday?
Speaker 2: Working? Have you celebrated? Have you gone?
Speaker 3: I mean, I know it's COVID times, but I feel
Speaker 3: like a nice little dinner champagne, literally on champagne.
Speaker 1: I've been working on my book on Friday like I
Speaker 1: woke up Friday morning at seven am, and I worked
Speaker 1: all day Friday, all day Saturday, all day Sunday because
Speaker 1: I have to submit my book on Wednesday. I didn't
Speaker 1: even get literally Thursday was like okay, Friday, Saturday, Sunday.
Speaker 1: I mean, I actually worked more than I usually don't
Speaker 1: work on the weekends. Actually worked more than I normally do.
Speaker 1: And I'm like, tip to day, That's what I mean. Like,
Speaker 1: I don't want to look back at eighty and be like,
Speaker 1: you had all these amazing things.
Speaker 2: Girl, you can't even remember You're.
Speaker 3: Daddy and a bow tie was on Good Morning America
Speaker 3: telling the.
Speaker 2: World how proud of you he was.
Speaker 4: Get out of here, you need to be I don't
Speaker 4: even know how to celebrate, honestly, I do.
Speaker 1: I know I do therapists, and I've been saying this
Speaker 1: for like two years. Someone said they were gonna help me.
Speaker 1: I'm like, whoever that lady is who says she was
Speaker 1: gonna help me find the place?
Speaker 3: Do you want to borrow mine? Her name is Lauren,
Speaker 3: Because she and I talked about this all the time.
Speaker 3: I get very uncomfortable too. But you need to figure out.
Speaker 3: I mean, you have your own whatever makes you happiest.
Speaker 3: But I mean, and it's only going to get it
Speaker 3: sounds like it's only going to be more challenging moments
Speaker 3: of success ahead of you. And by challenging, I mean
Speaker 3: fun stuff that you have to get used to enjoying.
Speaker 2: You've got to.
Speaker 3: I think all of us could get better at that
Speaker 3: because if not, then like, what was the point of
Speaker 3: all the work? You know, the mountaintop is supposed to be.
Speaker 2: Is there a party up there? Cause we're all trying
Speaker 2: to get there.
Speaker 3: Imagine if we imagine if you you go to heaven
Speaker 3: and it's just like like a free sample at Costco,
Speaker 3: Like you.
Speaker 2: Like, so you want your little weenie on a stick?
Speaker 2: Or what what I was all of it for? We
Speaker 2: need to believe in something that's fun, you know, you
Speaker 2: need to enjoy it.
Speaker 1: Yeah, and and I want to, And you're right I
Speaker 1: said that. I'm like Tiffany, you need help learning how
Speaker 1: to enjoy. And I mean, obviously there's some fear back
Speaker 1: up there that maybe in the enjoyment it goes away.
Speaker 1: I've always been like I was like the kid who
Speaker 1: you know how people have like over expectation. I was
Speaker 1: always like no, I was low expectation queen, so I
Speaker 1: can never be disappointed. Like I'm like, oh, that's okay,
Speaker 1: I don't need any cupcakes because I'm probably not gonna
Speaker 1: get any anyway.
Speaker 2: That's okay.
Speaker 1: I don't need to celebrate my birthday because you probably
Speaker 1: not gonna give me a present anyway.
Speaker 2: Like that's always been my default, and.
Speaker 1: I'm like, it's such a bad habit, and so it
Speaker 1: was my middle child like thing like well, you know what,
Speaker 1: I'll just take the smaller room because my sister's gonna
Speaker 1: take the bigger room anyway. And so I want to
Speaker 1: break that habit and because I know I can't do
Speaker 1: by myself, because it's it's something I cultivated to protect
Speaker 1: me from being disappointed and hurt.
Speaker 2: But now it's keeping me from enjoying.
Speaker 3: And it's your Unicorn squad you need they Like I
Speaker 3: almost feel like, what if you frame it as it's
Speaker 3: not just me celebrating, I get to celebrate the people
Speaker 3: who helped build this, you know what I mean? Like,
Speaker 3: what if it's something for Unicorn, you and the Unicorn squad,
Speaker 3: you know, like you can celebrate easier to.
Speaker 1: See, Yeah, and you're right, and that makes it easier
Speaker 1: because then it's not just about me because we typically
Speaker 1: we do like a vacation every year with the Unicorn squad,
Speaker 1: and that's like our way to celebrate each other. But
Speaker 1: we haven't you know, COVID. But no, I'm gonna but
Speaker 1: I'm serious. I do want a therapist because I want
Speaker 1: to work through this and I don't take enough time
Speaker 1: to like, like, look for myself.
Speaker 2: The first on your to do list, it is, it
Speaker 2: needs to be first on my to do list.
Speaker 1: So because yeah, so there was somebody who emailed me
Speaker 1: who said she would help, and I say, I forgot
Speaker 1: I can't find her email because then my pile of emails.
Speaker 1: But sis right, reach back out or anybody else that
Speaker 1: because I know I need one ASA because I want
Speaker 1: to unlock this.
Speaker 2: I want to.
Speaker 1: And the thing is, I don't want you to think like, damn,
Speaker 1: Timmy don't enjoy her life. I do, Like honestly, I
Speaker 1: have an amazing husband. I see my niece and my
Speaker 1: nephew at least every other day. I have a great
Speaker 1: relationship with my sisters, my parents, and I are finally
Speaker 1: on a really good like I was like kind of
Speaker 1: the wild child, So we're in a really good space.
Speaker 2: With my mom and my dad.
Speaker 1: So that part of my life, the Tiffany part of
Speaker 1: my life, I am enjoying.
Speaker 2: But I don't know how to enjoy the budget Nissa
Speaker 2: kind of part.
Speaker 1: That's the part I'm struggling with, not me as Tiffany,
Speaker 1: but certainly me as the Budgetnisa. I just I just
Speaker 1: work when it comes to there, but I don't reap
Speaker 1: when it comes to the Budgetia, I just sow. So yeah,
Speaker 1: I would love assistance in that, but no, thank you
Speaker 1: for that many because you're right. My friend Avida told
Speaker 1: me the same thing. She says she's going to check
Speaker 1: in with me in a week to see where my
Speaker 1: progress is. And she said, Tiffany, I'm not letting this go.
Speaker 1: You're crying on the phone with me because you were
Speaker 1: on goment in America.
Speaker 2: You did a good job. You need you need a therapist.
Speaker 3: You need a therapist, And I'm sorry I didn't check
Speaker 3: in with you this week. And I just thought you
Speaker 3: were out, like I don't know, I just thought your
Speaker 3: own way. You were just either taking a big ass
Speaker 3: nap and didn't want to be bothered, you know, or
Speaker 3: it was celebrating in some shape or fashion.
Speaker 1: Now I was sitting in a chair doing work for
Speaker 1: like ten hours streat every day five years.
Speaker 3: You think I would have known you by now. Well,
Speaker 3: I'm so proud of you. And you did them. I
Speaker 3: mean you did exceptionally, exceptionally, you know, And I want
Speaker 3: this for myself and every other woman because I think
Speaker 3: it's something that we all.
Speaker 2: It's universal.
Speaker 3: You put your head down, you work so hard, and
Speaker 3: when you get there, it's like the adrenaline is still pumping,
Speaker 3: the fight or flight is still there and you haven't
Speaker 3: really let it sink in yet. Well, I know you'll
Speaker 3: get there. Like everything else, you will figure this out
Speaker 3: and have a party, buy yourself something nice. I don't know,
Speaker 3: book a vacation for next year. Tell the universe, you
Speaker 3: tell the Unicorn's glad to come up with their own
Speaker 3: crazy ideas. How should we celebrate? Yeah, and then just
Speaker 3: pick the one that sounds the best. There's got to
Speaker 3: be something fun. Come on air balloon right, I don't.
Speaker 1: Know that would be Honestly, I do want to go
Speaker 1: on to hot air balloon right. South Jersey has like
Speaker 1: because I mean I've been on one to know a.
Speaker 2: No, no, Hey, you don't like hugs, you like massages.
Speaker 1: I do like massages, and then I don't like hugs,
Speaker 1: just a little uncomfortable.
Speaker 3: A nice massage. Yeah, just do the whole birthday weekend
Speaker 3: again with Superman. Do something nice.
Speaker 1: Yeah that was awesome, like birthday weekend. But yeah no,
Speaker 1: but thank you for that, man, because you're right. I
Speaker 1: know I'm gonna get so many acts on install it,
Speaker 1: like tweets like.
Speaker 2: Tivin ain't girl, I'm gonna shake you. It's okay. I
Speaker 2: welcome it from our myur BA cousins.
Speaker 1: It's I like being confronted and shaken up and then
Speaker 1: like girl, we're not gonna let you pretend like ain't
Speaker 1: nothing happen. So I welcome your tweets, and but I honestly,
Speaker 1: I'm being honest, like if you I know there's like
Speaker 1: black girl, but honestly, keep me accountable because I will
Speaker 1: get lazy with my own self, like honestly, Mandy and
Speaker 1: even like listeners like finding a therapist. I've been talking
Speaker 1: about it for like two maybe five years, because we've
Speaker 1: been doing BA for how long, and I don't want
Speaker 1: to be lazy about myself anymore.
Speaker 3: Put yourself first is what my psychiatrist told me when
Speaker 3: I was calling her from the laundry room floor in
Speaker 3: my house on Friday. Put yourself first, top of the
Speaker 3: to do list.
Speaker 2: But congrats.
Speaker 3: It was amazing. You look beautiful, sounded amazing. Your story
Speaker 3: is amazing.
Speaker 1: It's moments like this that's what's going on by.
Speaker 2: Movie. But you know what I mean.
Speaker 3: All Right, Well, I gotta get upstairs to my angry husband.
Speaker 2: Adorable child. I was gonna say, and happy baby. I
Speaker 2: love Rio. He's so cute. He's so cute. I know,
Speaker 2: let me go sweep and that hair. I'm like, I can't.
Speaker 3: All right, Tip, have a good rest your night. Go
Speaker 3: figure out how you're gonna celebrate, Okay, all right,