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Speaker 1: Hey, hey, hey, ta cha cha we're black, we're brown,

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Speaker 1: and he hey, maanja. So I don't have corona, do you?

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Speaker 2: You know? TBD. It feels like at any moment, there's

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Speaker 2: just like this cloud of tension. I feel like for

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Speaker 2: the past three shows, we've been talking about coronavirus in

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Speaker 2: each week, it's just like the anxiety is a little

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Speaker 2: bit higher. People at my office are getting more anxious

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Speaker 2: about it. I live in the part of New York

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Speaker 2: where it's like ground zero where that guy has been

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Speaker 2: spreading it like he got around, okay, the busy lawyer,

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Speaker 2: the very busy lawyer with lots of friends. Someone at

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Speaker 2: my doctor's office contracted it. So I got an email

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Speaker 2: from them, No, that's funny. And I was just about

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Speaker 2: to go to the my Khanat and I was like,

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Speaker 2: let me not go to that appointment. And I still So,

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Speaker 2: I've been commuting to work a few days a week,

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Speaker 2: and I genuinely go nuts staying at home all day.

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Speaker 2: I don't like working from home. So I've been, you know,

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Speaker 2: going in three days a week, and you can feel

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Speaker 2: the tension on the subway. I take three trains, one

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Speaker 2: commuter train and then a couple of subways to get

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Speaker 2: to my office, and slowly but surely fewer people are

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Speaker 2: on the trains, and it's quiet. There's like this, there's

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Speaker 2: just like this tension in the air. And if and

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Speaker 2: if you're sitting next to someone who coughs or clears

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Speaker 2: their throat, you can see people like give them the

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Speaker 2: side eye, you can and it's just and you feel

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Speaker 2: like it just and no one's it's like no one's

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Speaker 2: barely breathing because they're afraid to breathe the air. It's

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Speaker 2: quite quite interesting as like a social experiment. It is

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Speaker 2: I and you know, Tiffany, you work at home. But

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Speaker 2: for those who have to commute, it has reached a

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Speaker 2: point where so, for example, my company finally sent out

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Speaker 2: a notice to employees. You know, we're not closing down

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Speaker 2: any offices, but it's hard for us to say you

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Speaker 2: can't work from home. It's about of course, we can

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Speaker 2: all work from home, you know, our jobs as writers

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Speaker 2: and editors. You can do that from a computer. So

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Speaker 2: it's pretty much up to the individual, you know, if

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Speaker 2: you want to come into work. It's and we're still

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Speaker 2: in that great area where it's like it's not it's

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Speaker 2: not like super I mean, New York is in a

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Speaker 2: state of emergency technically, but it's not at the point

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Speaker 2: where everyone is like self quarantine, you know, and it's

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Speaker 2: just staying like Italy.

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Speaker 1: Quarantine, you close the whole country. Yes, I just can't.

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Speaker 1: Even my mouth dropped open, like wait what.

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Speaker 2: And yeah Italy, I know everyone's reacting to that. I can't.

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Speaker 2: That would be scary. And it feels like New York

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Speaker 2: in and of itself is a country, like if it

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Speaker 2: were to shut down, I mean, i mean just businesses.

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Speaker 2: The impact too, small businesses would be great. If people

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Speaker 2: are just staying at home and not participating in the economy,

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Speaker 2: you know, there is that, uh, definitely a downside. And

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Speaker 2: then people who don't have a choice and who have

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Speaker 2: to go to work to make a living, you know,

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Speaker 2: if you're a waiter or you're a delivery person, you know,

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Speaker 2: or or just you work at any job where you

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Speaker 2: have to physically be present.

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Speaker 1: That's like my husband, he has to fit. He he's

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Speaker 1: a super so he can't. You can't do that from

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Speaker 1: your home, like things need to be fixed, like and

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Speaker 1: then you're thinking, I'm always thinking he's going from apartment

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Speaker 1: to apartment to apartment checking, you know, like ah, I

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Speaker 1: was just like, okay, I've just been really making him

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Speaker 1: wash your hands, washing hands, wash your hands, like more

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Speaker 1: than anything, like don't forget to wash your hands because

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Speaker 1: don't touch me face. Yes, because literally the the the

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Speaker 1: the apartments that he managed, it's three hundred units, So

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Speaker 1: just imagine how many people who's coming into contact with

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Speaker 1: on a regular basis. So it's definitely nerve wrecking.

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Speaker 2: Yeah, and for those of you who have jobs, I

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Speaker 2: mean you hope that you have. You know, my neighbor,

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Speaker 2: for example, she's a janitor at a public school system.

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Speaker 2: Oh someone's up my door. She's a janitor at a

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Speaker 2: public school system here that's been close is closing down

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Speaker 2: for the next two weeks. And I just chatted with her.

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Speaker 2: I saw her outside yesterday and I was like, Ms paullatte,

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Speaker 2: how you doing? And she told me the school was

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Speaker 2: closing down. And I was like, do you have paid

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Speaker 2: time off? And she said yes, thank god. Not everyone

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Speaker 2: is that lucky, though, if you know, if you live

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Speaker 2: off tips or you live in an hourly wage and

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Speaker 2: you don't have paid time off, So it's it's bringing

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Speaker 2: back that conversation of you know, people need sickly like

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Speaker 2: paid sick leavers, and you know, when things like this happen,

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Speaker 2: it's you feel so bad for families or people who

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Speaker 2: you know don't have a way to make an income.

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Speaker 2: So it's it's getting it's getting pretty scary. People at

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Speaker 2: my office have started to request to telecommute those who

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Speaker 2: have underlying health conditions because they say, if you're young

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Speaker 2: and healthy, generally, you know, you might get a mild case,

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Speaker 2: but if you have underlying respiratory issues or get older,

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Speaker 2: then you're more at risk of really having severe repercussions

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Speaker 2: if you contract it. So you know, and of course

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Speaker 2: you know, I think you got to do. Say first,

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Speaker 2: I did reach a point last night. I had to

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Speaker 2: talk to myself. So I went ahead and bought a

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Speaker 2: monthly pass for my train, which is not cheap, okay,

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Speaker 2: And I was like, I've honestly been going because I'm like,

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Speaker 2: I'm not gonna waste this train ticket. It was three

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Speaker 2: hundred dollars. But now I mean, I have a baby,

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Speaker 2: I can work from home. The governor has said if

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Speaker 2: you can work from home, you should work from home,

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Speaker 2: like all the experts say that, and my stubbornness has

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Speaker 2: really been about I don't like to be tied. I

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Speaker 2: don't want I want to be I just came back,

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Speaker 2: you know, I just got back commuting to work and

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Speaker 2: I enjoy it, but I think for my own safety

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Speaker 2: and for my my baby and my family, I am

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Speaker 2: going to start working from home in the near future.

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Speaker 2: So that's that's what I'm going to do. And I'm

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Speaker 2: not super excited about it. But it's just it's just

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Speaker 2: not worth like the anxiety and the risk of bringing

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Speaker 2: something home with me. No, no, it's not Yeah, and

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Speaker 2: markets continued to react. My husband was just texting me

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Speaker 2: this morning, like, ooh, the DAW's going back up. You

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Speaker 2: better buy stock.

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Speaker 1: Like meanwhile, yesterday was dismal.

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Speaker 2: I'm like, yesterday it was like what was it? What

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Speaker 2: was Someone tweeted, Oh crap, I forget that. It was

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Speaker 2: really really clever. It's like, don't anyway. The idea was

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Speaker 2: don't look at your four one k today, just you

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Speaker 2: don't look at it.

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Speaker 1: I didn't, like, I can't so what I've been doing,

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Speaker 1: because you know, I don't want to be totally like

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Speaker 1: like unaware, so what I'm not looking at my four

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Speaker 1: one k, but I you know how we like, I

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Speaker 1: don't know if you used robin Hood, but you know,

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Speaker 1: I buy like kind of like stocks. I don't want

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Speaker 1: to say for fun, but like, you know, like it's

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Speaker 1: not it's not a huge account, but I use that

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Speaker 1: as a gauge. I'm like, when I looked at my

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Speaker 1: robin Hood account and I see red red red red,

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Speaker 1: I'm like, ah, I lost two hundred dollars. But that's

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Speaker 1: just with like kind of like the play money I

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Speaker 1: used for stocks. So I've just been looking at that honestly.

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Speaker 1: Like yesterday, the market halted for fifteen minutes and I

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Speaker 1: was like what and I didn't. I'm like, I'd never

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Speaker 1: heard of such a thing, and I saw it was

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Speaker 1: my friend Tila, Tila Holcum, you know Tila trading Yep, yes,

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Speaker 1: and so I was like what. So I honestly have

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Speaker 1: been following Tela's page to like because she she trades

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Speaker 1: a full time for a living and teaches women how

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Speaker 1: to trade too, so she's really good at kind of

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Speaker 1: breaking down things like I remember she literally wrote She's

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Speaker 1: like I've been saying over and over it ain't time

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Speaker 1: to buy yet, and I'm like, okay, what does that mean?

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Speaker 2: You know?

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Speaker 1: And so I've just been following. So if you have

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Speaker 1: some folks that you trust to follow their pages and

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Speaker 1: ask questions, and she's doing a lot of educating, I

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Speaker 1: feel like she's like, it's showtime synergy.

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Speaker 2: You know. My whole thing has been when there's a

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Speaker 2: when there's a market downturn like this and stocks are falling,

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Speaker 2: I kind of I just say, it's a clearance sale.

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Speaker 2: You're getting things at a discount right now if you're

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Speaker 2: putting money in the market, And that's how you know,

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Speaker 2: And that's just how I sort of wrap my head

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Speaker 2: around it and my husband right now being like the

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Speaker 2: market's going up, we need to buy. That's just a

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Speaker 2: classic investor mistake is when you buy when things are

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Speaker 2: going up and you feel like you're in a miss out,

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Speaker 2: and then you sell when things go down, and then

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Speaker 2: you miss out when things go back up because you've

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Speaker 2: sold off. And you have to look at what history.

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Speaker 2: Now we have a very you know, near recent historical

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Speaker 2: example with the Great Recession of what happened to people

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Speaker 2: who got out of the market when things get scary

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Speaker 2: versus people who stayed in the market and those who

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Speaker 2: stayed in, and whether the storm were much better off

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Speaker 2: ten years later than those who took their money out

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Speaker 2: of the market.

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Speaker 1: And so Tila said this, which I thought was really like,

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Speaker 1: I think it's important to understand. She said, cash is

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Speaker 1: a position, right, and the best position if you don't

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Speaker 1: know what you're doing yet. So it does it make

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Speaker 1: sense for you to be in and out, in and out,

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Speaker 1: in and out unless you're willing to do the research

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Speaker 1: and the work of what it looks like to trade

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Speaker 1: during this time period. It's not because I'm like in

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Speaker 1: some group chats and everyone's like, I think I'm gonna

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Speaker 1: buy ad Visor. I think I'm gonna buy it, And

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Speaker 1: I'm like, if you want to have like a Stash

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Speaker 1: account or a Robinhood account for kind of like fun

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Speaker 1: and investing with a little bit of money here and there,

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Speaker 1: but money that you're willing to totally and completely lose, Okay,

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Speaker 1: but don't do that with your retirement account. Don't do

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Speaker 1: that ye with your with all the money you've saved

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Speaker 1: up for wealth, Like, now's not the time to experiment

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Speaker 1: if you haven't been doing the research. So, yeah, if

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Speaker 1: you want to buy a few stocks here and there

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Speaker 1: via these like you know, these kind of what I call,

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Speaker 1: like my fund accounts, Okay, but I now's not the

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Speaker 1: time to be jumping in and out of the market

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Speaker 1: not knowing what you're doing.

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Speaker 2: Yeah, And if you have, it's a good time to

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Speaker 2: have a financial This is when it's good to have

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Speaker 2: a financial planner or an investment advisor who you can

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Speaker 2: call and who can talk reason to you and just

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Speaker 2: you know, just share your ideas and how you're feeling

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Speaker 2: and then have them share their guidance and knowledge there.

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Speaker 2: So obviously, Tiffany and I are not financial experts, investment advisors,

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Speaker 2: financial planners. We're just we're just in it just like

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Speaker 2: you guys are, and seeing the same headlines and trying

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Speaker 2: to wrap our own heads around what's going on and

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Speaker 2: stop or stop your like emotional response to certain things.

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Speaker 2: My Yeah, the way that I'm getting through it is

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Speaker 2: just trying to ignore my accounts. They have gone down

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Speaker 2: before and they I imagine we'll come back up. It's

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Speaker 2: a whole different economy, the health of our We just

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Speaker 2: posted like a really big jobs report recently. The economy

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Speaker 2: overall is really strong. There will be a coronavirus vaccine

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Speaker 2: soon enough, you know, in the next year or so. Yeah,

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Speaker 2: it's twelve to eighteen months to get a vaccine. But

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Speaker 2: it's I trust that we have people who are developing one,

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Speaker 2: and I trust that our economy is relatively strong compared

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Speaker 2: even compared to us ten years ago. It was a

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Speaker 2: shit show ten years ago, So I really hope that's

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Speaker 2: that's my take on it. And other than that, just

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Speaker 2: wash your hands and don't touch your four one k Okay.

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Speaker 1: Don't touch your face or your full one cat. Wait,

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Speaker 1: oh my god, that was what the person.

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Speaker 2: It was like, your four one k is like your

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Speaker 2: face right now, don't touch it?

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Speaker 3: Oh?

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Speaker 1: I love it? Oh sorry, I might be stealing there

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Speaker 1: for my own from my own socials. No, but I

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Speaker 1: love that.

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Speaker 2: Yeah, all right, what else is going on? I mean, geez,

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Speaker 2: is anybody talking about anything besides coronavirus right now?

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Speaker 1: Oh? Go ahead?

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Speaker 2: What were you going to say? No?

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Speaker 1: There was like this really like it was kind of

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Speaker 1: like sad but ended up being much better. Like video

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Speaker 1: about this little girl who she's getting her hair retwisted.

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Speaker 1: She's super chocolate, little baby, super cute, and she is

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Speaker 1: getting her hair done and she's telling she told the

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Speaker 1: hairdresser she can't be more than four or five she

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Speaker 1: says no, but I'm ugly and said it's so matter

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Speaker 1: of fact. The hairdresser stopped in her tracks, and you

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Speaker 1: could tell she like gas was like what and turns

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Speaker 1: her around and lifts her face up, you know, and

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Speaker 1: proceeds to pour all this love and kindness into her

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Speaker 1: and tells her, like, you know, just how beautiful she is,

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Speaker 1: and like teases her because the little girls just starts

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Speaker 1: bawling and crying. I don't know if it was because

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Speaker 1: she could tell that the hairdresser was was upset, or

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Speaker 1: is she just like you know, whoever had told her

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Speaker 1: that It just I don't know, hit her in that moment.

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Speaker 1: So she's teasing her and telling her like, look, didn't

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Speaker 1: I tell you have two dimples? Do you know how

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Speaker 1: who has two dimples? Nobody? I don't even have two dimples.

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Speaker 1: And you know, it was just such a beautiful thing

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Speaker 1: to witness, especially because the hairdresser in the beginning is like,

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Speaker 1: I guess she must be talking to her son and

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Speaker 1: telling him, if you don't get out my face, I

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Speaker 1: don't even like kids. And then and then.

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Speaker 2: She just happened something else and then that interaction.

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Speaker 1: Yes, so I think, what happened was that I think

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Speaker 1: she was showing people like, this is how you twist hair,

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Speaker 1: and then she was doing like a tutorial, and then

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Speaker 1: that that happened. And when I tell you, the outpouring

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Speaker 1: of love for this little girl, I think her name

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Speaker 1: is like Arianna and the outpouring of love. Matthew Cherry,

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Speaker 1: the gentleman that won the Oscar for hair love that short.

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Speaker 1: He had rounded up a bunch of artists to create

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Speaker 1: pictures of her to send to her so she could

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Speaker 1: just see herself mm hmm. And then another friend of mine,

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Speaker 1: doctor Yaba Blay, She's got this awesome Instagram account called

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Speaker 1: professional Black Girl. You should follow it. It's just so uplifting.

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Speaker 1: And she rounded up a bunch of us that have

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Speaker 1: books that feature black characters so we can send her books,

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Speaker 1: so we're all on board to do that. It's just yeah,

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Speaker 1: it's just such a like a it's just such a

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Speaker 1: you know, I just can't believe that that happened, honestly.

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Speaker 2: Yeah, And little girls are so and it's sad. How

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Speaker 2: young I remember being like seven, you know, six seven

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Speaker 2: years old and feeling ugly, and who knows who gave

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Speaker 2: me that idea? And how you get that way. But

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Speaker 2: it's so sad how young it starts. And I feel

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Speaker 2: like it's so important for us to lift up those

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Speaker 2: little girls. You don't know what little girls are going

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Speaker 2: through in their minds, and it's just yeah, but that's

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Speaker 2: so sweet to hear that she got that, and think

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Speaker 2: about how many other little girls could use that same feedback. Yeah,

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Speaker 2: So if you know a little girl in your life,

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Speaker 2: just take your time, poor love.

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Speaker 1: And yeah, And now, I mean, of course you don't

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Speaker 1: want girl. It is that we don't want, like, you know,

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Speaker 1: you don't want little girls to focus on just looks.

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Speaker 1: But I think especially there is definitely a sector of

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Speaker 1: little girl that gets bombarded with you're not beautiful because

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Speaker 1: you're dark, because your hair is way curlier than others,

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Speaker 1: you know. And so although you know it's not our intention,

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Speaker 1: I think, you know, like to raise girls to be

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Speaker 1: super conscious of their looks, but there's an extra little

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Speaker 1: boost that some kids need because the whole world tells

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Speaker 1: you're ugly over and over and over and over again.

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Speaker 1: And the fact that she's like four or five and

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Speaker 1: she is claiming like I'm ugly, I just can't even

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Speaker 1: I'm just so happy, like I see, so like my

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Speaker 1: bonus daughter, Supergirl, she is like chocolate. She's probably two

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Speaker 1: or three shades darker than me, and like, you know,

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Speaker 1: super super tightly curled hair. And you can't tell Supergirl

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Speaker 1: that she is not the fly if we have been

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Speaker 1: pouring love into that little girl. I remember when she

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Speaker 1: was like seven or eight and she said, you know,

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Speaker 1: she called me Tiffy. You know, Tiffy, I figured out

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Speaker 1: why everybody at school wants to be my friend. And

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Speaker 1: I'm like why, she said, because I'm just so cute.

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Speaker 1: She had to be, like I said, like you know,

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Speaker 1: six or seven, and I just remember being blown away

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Speaker 1: because I didn't have that confidence because I thought I

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Speaker 1: was so black, and black was not a pretty color

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Speaker 1: for girls to be. And so just to see like

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Speaker 1: how her mom and her dad before I came, just

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Speaker 1: poured so much love into her that she walked with confidence.

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Speaker 1: And to this day, you know, she's as chocolate as

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Speaker 1: can be and just so beautiful and she owns that.

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Speaker 1: But that's not like, you know, she doesn't obsessed about

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Speaker 1: her looks, but she doesn't think that she's unattractive, you know,

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Speaker 1: And I just I just wish more kids grew up

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Speaker 1: with that pouring into because it's almost like you have

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Speaker 1: to solidify these kids against the world and what they're

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Speaker 1: going to receive.

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Speaker 2: Yeah, one hundred percent. Well thanks for sharing that story.

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Speaker 2: That's really sweet.

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Speaker 1: Yeah.

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Speaker 2: My other the other thing that people are talking a

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Speaker 2: lot about in light of the Corona, but one of

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Speaker 2: the like the silver linings. I feel kind of guilty

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Speaker 2: for saying that of the coronavirus has been Refinancing mortgages

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Speaker 2: has become another hot topic because mortgage rates are at

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Speaker 2: like rock bottom. They haven't been this low in a

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Speaker 2: long time. To If I know, you don't have a mortgage,

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Speaker 2: but for those of us who do, you may feel

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Speaker 2: the societal pressure to start looking into refinancing. And it's

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Speaker 2: not a bad idea, especially if you're you know, if

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Speaker 2: you locked in a rate a few years ago when

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Speaker 2: rates were a little bit higher than they are now,

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Speaker 2: I locked in my rate. I feel like late twenty seven,

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Speaker 2: no twenty eighteen, a couple years ago. Anyway, it was

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Speaker 2: like four point three seven five was my rate, and

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Speaker 2: now low low rates are like three point two and

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Speaker 2: apparently so many people are for letting mortgage lenders wanting

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Speaker 2: to refinance some of them aren't lowering their rates because

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Speaker 2: they can't handle the volume of like people coming at

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Speaker 2: them wanting to refinance. So I put our numbers and

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Speaker 2: the questions with refinancing, because you have to pay closing costs. Again,

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Speaker 2: it's like a brand new loan, you know, so you're

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Speaker 2: you know, for example, like in my state, they charge

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Speaker 2: like a one percent tax on the loan, and you

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Speaker 2: that's part of your closing costs. And that adds up

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Speaker 2: when you have a big mortgage, and you know, plus

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Speaker 2: the cost of like having an attorney and all that

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Speaker 2: kind of stuff. So we're weighing our options and then

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Speaker 2: you have to think how long are you going to

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Speaker 2: be in the house for. So I'm curious if any

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Speaker 2: of you guys out there have taken advantage of these

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Speaker 2: low interest rates and refinanced, and what was that process

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Speaker 2: like for you, because I'm I'm considering it and it

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Speaker 2: feels like there's a tick tick tick tic tic ticking clock.

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Speaker 2: You know, rates won't be this low forever. But trying

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Speaker 2: to take my time with that decision because you know,

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Speaker 2: it's it's a lot of money upfront, but then it's

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Speaker 2: also how long will we stay in this house for

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Speaker 2: and when will I save more by locking in a

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Speaker 2: lower interest rate because I could save us money on

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Speaker 2: our monthly mortgage payment. But when will the savings from

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Speaker 2: month to month add up to enough to make sense

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Speaker 2: for the upfront costs that will have to pay in

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Speaker 2: order to refinance. That is the question I actually used.

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Speaker 2: Lending Tree has a really cool refinance break even calculator

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Speaker 2: which shows you when you're going to break even. When

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Speaker 2: that point happens when you're savings outstrip you know the cost.

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Speaker 2: So I'll share a link to that in the show

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Speaker 2: notes if you guys are interested, but send us an

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Speaker 2: email at Brandanmbisson podcast at gmail dot com, or shoot

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Speaker 2: me a note on Instagram at brand Ambission podcast on

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Speaker 2: the Gram and let me know if you've refinanced, because

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Speaker 2: I'm very curious.

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Speaker 1: No, that is I mean my dad did that. I remember.

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Speaker 1: I was like, my dad, stay on it at seventy

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Speaker 1: something years old, not recently, but there was a dip

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Speaker 1: before and he refinanced and was able to. It was

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Speaker 1: gonna save him. I think I want to say, like

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Speaker 1: two hundred and fifty bucks a month, which is not

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Speaker 1: a little bit of money, especially when you're on a

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Speaker 1: fixed income as a retiree. So yeah, the thing is

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Speaker 1: with your finances, you just have to understand that you

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Speaker 1: have to be an active participant, you know, if you're

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Speaker 1: going to be on top of them. Gone are the days.

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Speaker 1: I don't know there were ever those days, but gone

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Speaker 1: are the days where you kind of don't have to

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Speaker 1: actively look at your investments, look at your interest rates,

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Speaker 1: look at I think we all have to be a

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Speaker 1: little bit more financially savvy in order to just be okay,

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Speaker 1: which is kind of scary. I'm not gonna lie in

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Speaker 1: order to just be okay. Like before, I felt like

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Speaker 1: maybe like twenty or thirty years ago, you could not

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Speaker 1: actively be a part and be like, well, I'm not

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Speaker 1: going to get it. I'm not gonna advance, but I'm

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Speaker 1: not gonna fall behind.

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Speaker 2: I'm going to get a fention and it's all going

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Speaker 2: to Yeah, and it's a whole different world now.

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Speaker 1: Yes, like you have to actively be a part of

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Speaker 1: it just to maintain status quo.

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Speaker 2: Yeah, and the world expects us to be financial experts, like, oh,

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Speaker 2: we created this really complex tax coo complex financial market,

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Speaker 2: so you guys just catch up and figure things out.

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Speaker 2: We're not gonna like tell you how to do it,

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Speaker 2: but you'll, you know, figure it out in your adult

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Speaker 2: ears somehow, No presh, But that's why we're here to

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Speaker 2: help you guys work through it. So continue sending us

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Speaker 2: your questions. And speaking of which, should we take a

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Speaker 2: quick break and come back and take some questions?

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Speaker 1: Yep, we should.

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Speaker 3: Fabulous and we're back my favorite segments.

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Speaker 2: Got some great questions from you guys. Again. You can

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Speaker 2: hit us up Brandhabission Podcast at gmail dot com or

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Speaker 2: paying us on Instagram. We're at Brannibision Podcast on the Gram.

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Speaker 2: We've got a couple of interesting questions, and we talked

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Speaker 2: a lot about investing lately. So let's start with a

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Speaker 2: question from wants to Go by MSW and her question

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Speaker 2: is about some stock that she purchased. Again, you guys,

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Speaker 2: we were not investment advisors obviously, or financial advisors, so

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Speaker 2: everything we talk about is just our own opinion and

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Speaker 2: how we would approach things. Of course, consult experts on

430
00:20:28,400 --> 00:20:31,720
Speaker 2: your own and don't come at us if things don't

431
00:20:31,760 --> 00:20:34,199
Speaker 2: work out. We're just sharing what we know feel in

432
00:20:34,240 --> 00:20:39,399
Speaker 2: the moment. Here is her question, So I love the podcast. Recently,

433
00:20:39,520 --> 00:20:43,200
Speaker 2: my position at my job was eliminated. At the time,

434
00:20:43,320 --> 00:20:46,119
Speaker 2: I've invested in stocks at my place of work at

435
00:20:46,119 --> 00:20:49,800
Speaker 2: a discounted price. I decided I don't want this stock anymore.

436
00:20:49,920 --> 00:20:52,960
Speaker 2: I've got around six thousand dollars in this stock, but

437
00:20:53,040 --> 00:20:55,880
Speaker 2: the stock is going down every moment. Should I sell

438
00:20:55,920 --> 00:20:58,480
Speaker 2: the stock and just get taxed or should I move

439
00:20:58,560 --> 00:21:01,639
Speaker 2: to another stock or mutual fund? Looking for some guidance

440
00:21:01,760 --> 00:21:05,200
Speaker 2: on this, So it sounds like she's talking about stock options,

441
00:21:05,240 --> 00:21:08,400
Speaker 2: which some employers I talked last week about RSUs restricted

442
00:21:08,440 --> 00:21:14,240
Speaker 2: stock units, which is a incentive that employers give their workers.

443
00:21:14,320 --> 00:21:16,280
Speaker 2: It's saying, you know, we'll give you some shares in

444
00:21:16,320 --> 00:21:19,960
Speaker 2: the company, and they're going to invest in a year,

445
00:21:20,000 --> 00:21:21,840
Speaker 2: which means in a year, you're going to get to,

446
00:21:22,040 --> 00:21:24,679
Speaker 2: you know, take advantage of that stock, sell it, trade it, whatever.

447
00:21:25,040 --> 00:21:26,880
Speaker 2: Stock options are a little bit different. It's like when

448
00:21:26,920 --> 00:21:29,879
Speaker 2: you are able to purchase your company's stock at a discount.

449
00:21:30,000 --> 00:21:32,200
Speaker 2: So it sounds like that's what she's done. She's got

450
00:21:32,240 --> 00:21:34,760
Speaker 2: six thousand dollars in the company stock, and like everyone

451
00:21:34,760 --> 00:21:37,200
Speaker 2: else right now, she's looking at her investments and watching

452
00:21:37,200 --> 00:21:40,480
Speaker 2: them go down, down, down, down down. So, Tiff, what

453
00:21:40,520 --> 00:21:42,240
Speaker 2: do you what do you think about this.

454
00:21:43,119 --> 00:21:46,560
Speaker 1: Well, here's the thing I do think. I like diversification

455
00:21:46,640 --> 00:21:51,840
Speaker 1: of investments, of obviously, and I don't think having a

456
00:21:51,840 --> 00:21:53,639
Speaker 1: ton of money and individual stocks is all with the

457
00:21:53,640 --> 00:21:55,800
Speaker 1: best idea I think, and the rule of thumb is

458
00:21:55,880 --> 00:21:57,840
Speaker 1: really you should not be more than five percent of

459
00:21:57,840 --> 00:22:01,520
Speaker 1: your total portfolio should be an individual stock. That being said,

460
00:22:01,840 --> 00:22:05,600
Speaker 1: the market is paley, that the market is paley, I

461
00:22:05,800 --> 00:22:09,439
Speaker 1: probably would wait until the market stabilizes because it's like

462
00:22:09,560 --> 00:22:13,520
Speaker 1: if you sell now when things are kind of crazy.

463
00:22:15,040 --> 00:22:16,880
Speaker 1: So here's the thing. I think that it's a good

464
00:22:16,960 --> 00:22:20,360
Speaker 1: idea to yes, sell the stock and diversify other places, right,

465
00:22:20,520 --> 00:22:22,639
Speaker 1: but I don't think it's a good idea to necessarily

466
00:22:22,680 --> 00:22:26,080
Speaker 1: do it now. I equate it to this, should you

467
00:22:26,160 --> 00:22:28,600
Speaker 1: renovate your house because it's going to give you a

468
00:22:28,600 --> 00:22:32,320
Speaker 1: better return, Absolutely, but not doing a hurricane like this

469
00:22:32,880 --> 00:22:37,960
Speaker 1: you hunker down, But yeah, wait until the hurricane passes

470
00:22:38,040 --> 00:22:41,160
Speaker 1: and then reevaluate your position as it relates to that stock.

471
00:22:41,440 --> 00:22:45,119
Speaker 1: So the answer is yes, but not right now.

472
00:22:45,400 --> 00:22:47,840
Speaker 2: Yeah, and what are the pros and cons? Like the

473
00:22:47,920 --> 00:22:51,359
Speaker 2: con of selling her stock right now is you're selling

474
00:22:51,400 --> 00:22:54,680
Speaker 2: when things are low. It's like we talked about earlier.

475
00:22:54,720 --> 00:22:57,400
Speaker 2: It's an emotional response to the market going down. People

476
00:22:57,440 --> 00:22:59,760
Speaker 2: wanted us to sell because things aren't working out for them,

477
00:23:00,160 --> 00:23:02,800
Speaker 2: But you could potentially miss out if when the market

478
00:23:02,800 --> 00:23:05,480
Speaker 2: goes back up. The tricky thing is when you're just

479
00:23:05,520 --> 00:23:08,919
Speaker 2: talking about one stock, it seems like every company is

480
00:23:08,920 --> 00:23:11,960
Speaker 2: being hit right now by the market downturn pretty you know,

481
00:23:12,080 --> 00:23:15,520
Speaker 2: much across the board, so it may not be Sometimes

482
00:23:15,560 --> 00:23:18,159
Speaker 2: stocks for companies fall because the management of the company

483
00:23:18,280 --> 00:23:21,719
Speaker 2: is you know, terrible, or someone quits high up at

484
00:23:21,720 --> 00:23:23,960
Speaker 2: the company and the market is reacting to that, or

485
00:23:24,440 --> 00:23:27,160
Speaker 2: the product that the company makes, you know, just got

486
00:23:27,160 --> 00:23:30,840
Speaker 2: recalled by the FDA or something like that, and that's

487
00:23:30,880 --> 00:23:33,720
Speaker 2: when the market will tank and the company itself is

488
00:23:33,760 --> 00:23:36,880
Speaker 2: getting hurt by that. But when you have like widespread

489
00:23:36,920 --> 00:23:39,960
Speaker 2: market downturn like right now and everyone's getting hit, it's

490
00:23:40,000 --> 00:23:43,399
Speaker 2: a little bit different. And you know, if you're whenever

491
00:23:43,440 --> 00:23:45,320
Speaker 2: you're investing in anyone company, you want to look at

492
00:23:45,320 --> 00:23:48,320
Speaker 2: the health of the company and do you think, okay,

493
00:23:48,359 --> 00:23:50,520
Speaker 2: the company is this is just a reaction to this

494
00:23:50,600 --> 00:23:54,640
Speaker 2: coronavirus mayhem right now, and generally the stock is pretty good,

495
00:23:54,720 --> 00:23:57,320
Speaker 2: so pretty strong, So you want to weather the storm

496
00:23:57,359 --> 00:24:00,600
Speaker 2: and wait things out. But like to, he said, in

497
00:24:00,640 --> 00:24:03,280
Speaker 2: a perfect world, you wouldn't want It's hard with that.

498
00:24:03,320 --> 00:24:05,119
Speaker 2: It's hard for us to know. You only say you

499
00:24:05,119 --> 00:24:07,880
Speaker 2: have six thousand dollars, and maybe that's fine because you've

500
00:24:07,920 --> 00:24:09,439
Speaker 2: got a bunch of money in your four one k

501
00:24:09,560 --> 00:24:13,040
Speaker 2: well diversified, or you've got a brokerage account well diversified,

502
00:24:13,040 --> 00:24:14,720
Speaker 2: and this is just six k on the side. But

503
00:24:14,760 --> 00:24:17,719
Speaker 2: it's hard for us to know without understanding like what

504
00:24:17,920 --> 00:24:22,760
Speaker 2: percentage of your overall investment this six thousand dollars is.

505
00:24:22,800 --> 00:24:24,560
Speaker 2: So it could be a pebble or it could be,

506
00:24:24,960 --> 00:24:27,159
Speaker 2: you know, a boulder in terms of size.

507
00:24:27,359 --> 00:24:29,560
Speaker 1: But what we do know right now is the market

508
00:24:29,600 --> 00:24:32,040
Speaker 1: is really crazy. It is so either way, even if

509
00:24:32,080 --> 00:24:34,760
Speaker 1: you're going to sell, I just don't it. Just to me,

510
00:24:34,840 --> 00:24:37,879
Speaker 1: it doesn't make sense to make a move during crazy times.

511
00:24:38,119 --> 00:24:40,800
Speaker 1: Yeah a big move, Yeah, gotcha? All right.

512
00:24:40,840 --> 00:24:44,120
Speaker 2: Well, if you're truly you know, wanting to know what's

513
00:24:44,160 --> 00:24:46,640
Speaker 2: best for you, again, without knowing your entire financial picture,

514
00:24:46,680 --> 00:24:49,280
Speaker 2: which we could never know, can't give you like specific

515
00:24:49,280 --> 00:24:51,600
Speaker 2: advice for not investment advisors, but maybe you want to

516
00:24:51,600 --> 00:24:54,119
Speaker 2: consult an expert to see what you should do with that.

517
00:24:54,359 --> 00:24:57,919
Speaker 2: But personally I'm with Tiffany in terms of I'm not

518
00:24:57,920 --> 00:24:59,760
Speaker 2: touching my own investments right now. I'm trying not to

519
00:24:59,760 --> 00:25:02,320
Speaker 2: look have like one eye open a little bit. But

520
00:25:02,520 --> 00:25:07,159
Speaker 2: I'm not making any hasty moves right now. And that

521
00:25:07,359 --> 00:25:08,880
Speaker 2: is anything else to add, Tiffany.

522
00:25:09,680 --> 00:25:12,520
Speaker 1: No, just you know, we are your financial girlfriends, not

523
00:25:12,560 --> 00:25:13,560
Speaker 1: your financial gurus.

524
00:25:14,440 --> 00:25:16,520
Speaker 2: All right, all right, well, thank you very much for

525
00:25:16,520 --> 00:25:20,600
Speaker 2: your question, Missy, and let's go to the gram where

526
00:25:20,600 --> 00:25:23,800
Speaker 2: we have an interesting question about someone another kind of

527
00:25:23,800 --> 00:25:28,600
Speaker 2: interesting relationship in finance predicament. This listener wants to remain anonymous,

528
00:25:28,600 --> 00:25:32,439
Speaker 2: which we shall respect, so let's call her. Why am

529
00:25:32,480 --> 00:25:35,280
Speaker 2: I thinking of Shirley? I don't know why. Sorry, that's

530
00:25:35,320 --> 00:25:43,440
Speaker 2: a terrible thing. At Shirley. I want Shary Lee. Maybe

531
00:25:43,480 --> 00:25:47,720
Speaker 2: we'll just call her Sharley. Okay, okay, Shirley. Hello. I've

532
00:25:47,720 --> 00:25:50,880
Speaker 2: been in a five year relationship with a financially intelligent man.

533
00:25:51,200 --> 00:25:53,600
Speaker 2: I have a great job as a budget manager, two

534
00:25:53,600 --> 00:25:57,320
Speaker 2: teenagers and one hundred thousand dollars in school loans and

535
00:25:57,400 --> 00:26:00,879
Speaker 2: twenty thousand dollars in credit card debt? Is it okay

536
00:26:00,880 --> 00:26:03,560
Speaker 2: to ask him to manage my finances until I get

537
00:26:03,600 --> 00:26:06,120
Speaker 2: out of debt? We're moving towards marriage, but I don't

538
00:26:06,160 --> 00:26:08,800
Speaker 2: want to get married with so much debt. Please don't

539
00:26:08,880 --> 00:26:13,439
Speaker 2: use my name. You got it, Sherley. Wow, so Cherry.

540
00:26:14,040 --> 00:26:15,560
Speaker 1: Now you know I'm not even here to do it

541
00:26:15,600 --> 00:26:18,600
Speaker 1: because I have definitely been six figures in debt, not

542
00:26:18,800 --> 00:26:22,359
Speaker 1: just with with mortgage, but like credit cards to the loans.

543
00:26:22,400 --> 00:26:28,480
Speaker 1: So I feel for you. Here's the thing, though, how

544
00:26:28,480 --> 00:26:31,560
Speaker 1: long have you all been dating? You have too? Oh well,

545
00:26:31,640 --> 00:26:34,240
Speaker 1: yeah that's pretty solid, but you have two kids. I'm

546
00:26:34,280 --> 00:26:39,280
Speaker 1: just slightly nervous about quote unquote letting him manage, meaning like,

547
00:26:39,359 --> 00:26:41,440
Speaker 1: are you going to be giving him your money every month?

548
00:26:42,520 --> 00:26:44,360
Speaker 1: What I do think, because this is what super Man

549
00:26:44,400 --> 00:26:46,000
Speaker 1: and I did when we were living together but we

550
00:26:46,000 --> 00:26:48,840
Speaker 1: were married, is that we would sit down every two

551
00:26:48,840 --> 00:26:51,720
Speaker 1: weeks and work on the financials together. That I think,

552
00:26:51,840 --> 00:26:54,679
Speaker 1: absolutely you should be doing that. But I feel a

553
00:26:54,760 --> 00:26:58,919
Speaker 1: little hesitant about kind of like giving someone access to

554
00:26:59,040 --> 00:27:02,000
Speaker 1: my financial the bank account, Like obviously Superman has all

555
00:27:02,040 --> 00:27:04,359
Speaker 1: the access now, but we're married. I would feel a

556
00:27:04,359 --> 00:27:07,600
Speaker 1: little hesitant about giving someone access to my all my

557
00:27:07,680 --> 00:27:10,439
Speaker 1: credit cards, my bank accounts and all of that. And

558
00:27:10,480 --> 00:27:15,720
Speaker 1: we're not married. So working together to get on financial track, yes,

559
00:27:16,119 --> 00:27:19,399
Speaker 1: having full access on my financials and I don't know

560
00:27:19,440 --> 00:27:19,919
Speaker 1: about all that.

561
00:27:20,600 --> 00:27:23,480
Speaker 2: Yeah, no, I agree, you're first of all, you're going

562
00:27:23,560 --> 00:27:25,600
Speaker 2: to have to really let's just assume that they have

563
00:27:25,680 --> 00:27:29,159
Speaker 2: great trust. He is aware of this debt and you

564
00:27:29,200 --> 00:27:33,480
Speaker 2: trust him implicitly and everything, and five years relationship, you know,

565
00:27:33,520 --> 00:27:36,080
Speaker 2: so you definitely know who he is by now. What

566
00:27:36,160 --> 00:27:38,639
Speaker 2: I would say is, if he's financially savvy and he

567
00:27:38,680 --> 00:27:40,960
Speaker 2: has strategies that he can coach you on and be

568
00:27:41,080 --> 00:27:44,560
Speaker 2: like your financial accountability partner, maybe you need that. Maybe

569
00:27:44,560 --> 00:27:47,080
Speaker 2: you need someone to sit down look at the numbers

570
00:27:47,080 --> 00:27:48,800
Speaker 2: with you and help you come up with the game plan.

571
00:27:48,880 --> 00:27:51,680
Speaker 2: And that's fine, But I wouldn't necessarily hand over the

572
00:27:51,760 --> 00:27:54,120
Speaker 2: keys of the castle and say I'm going to give

573
00:27:54,119 --> 00:27:56,680
Speaker 2: you my debt and my here's my income each month

574
00:27:56,720 --> 00:27:59,120
Speaker 2: you decide how to use it and turn a blind

575
00:27:59,160 --> 00:28:01,440
Speaker 2: eye to it. Think you need to be involved, side

576
00:28:01,440 --> 00:28:04,879
Speaker 2: by side every step of the way, like tiff was saying,

577
00:28:04,960 --> 00:28:07,640
Speaker 2: and in a in a you know, like Tiffany and Superman,

578
00:28:07,680 --> 00:28:10,520
Speaker 2: you know they have a real trusted partnership. And I

579
00:28:10,600 --> 00:28:12,520
Speaker 2: mean it didn't. It wasn't like from the beginning where

580
00:28:12,560 --> 00:28:15,239
Speaker 2: Superman was, you know, wanting you to coach him, right,

581
00:28:15,280 --> 00:28:19,600
Speaker 2: I mean like any like with any partner is like, yeah,

582
00:28:19,840 --> 00:28:23,200
Speaker 2: you think you're a financial expert's yeah, I was.

583
00:28:23,160 --> 00:28:24,840
Speaker 1: That he was not looking forward to the coaching. I

584
00:28:24,920 --> 00:28:25,679
Speaker 1: forced the coaching on.

585
00:28:25,800 --> 00:28:27,960
Speaker 2: Yeah, you guys love to hear our advice. You know

586
00:28:28,000 --> 00:28:32,720
Speaker 2: who doesn't our spouses? Yes, but uh but if you

587
00:28:32,760 --> 00:28:35,080
Speaker 2: guys have that, really have that trust already, then I

588
00:28:35,119 --> 00:28:37,360
Speaker 2: would say, yeah, I think it's fine for him. If

589
00:28:37,359 --> 00:28:39,720
Speaker 2: he's got some strategies he can help you on hold

590
00:28:39,760 --> 00:28:42,840
Speaker 2: you accountable, that's all fine. Clearly, you know you have

591
00:28:42,960 --> 00:28:45,719
Speaker 2: significant debt, and I would say something needs to be

592
00:28:45,760 --> 00:28:48,320
Speaker 2: done for sure, especially that twenty thousand dollars in credit

593
00:28:48,400 --> 00:28:51,680
Speaker 2: card debt. That concerns me, especially when it's accruing interest.

594
00:28:51,800 --> 00:28:53,920
Speaker 2: You want to you want to get you want to

595
00:28:53,960 --> 00:28:56,200
Speaker 2: get some kind of plan in place to start whittling

596
00:28:56,200 --> 00:28:58,960
Speaker 2: that down. I don't know what kind of I don't

597
00:28:59,000 --> 00:29:00,720
Speaker 2: know what kind of student loans you have, whether they're

598
00:29:00,720 --> 00:29:03,239
Speaker 2: private or federal. But there's things you can take as

599
00:29:03,240 --> 00:29:04,760
Speaker 2: well to make that more manageable.

600
00:29:04,880 --> 00:29:07,600
Speaker 1: So you might want to consider refinancing those now now

601
00:29:07,600 --> 00:29:08,840
Speaker 1: the interest rates are lower.

602
00:29:09,400 --> 00:29:11,560
Speaker 2: Yeah, I mean, if you've got private loans you want

603
00:29:11,560 --> 00:29:14,640
Speaker 2: to refinance them, or federal loans you know as well,

604
00:29:16,000 --> 00:29:19,920
Speaker 2: you can consolidate those. There's there's options. There's income driven

605
00:29:19,960 --> 00:29:22,600
Speaker 2: repayment plans. I don't know if you how you how

606
00:29:22,600 --> 00:29:24,880
Speaker 2: that would shake out with you with your income. There's

607
00:29:25,000 --> 00:29:28,520
Speaker 2: there's options. You know, you could use a personal loan

608
00:29:28,920 --> 00:29:31,360
Speaker 2: to consolidate your credit card debt maybe you have you

609
00:29:31,360 --> 00:29:34,480
Speaker 2: can save on interest that way, if your credit is healthy,

610
00:29:34,520 --> 00:29:38,360
Speaker 2: that can be an option. Balance transfersus. There's there's things

611
00:29:38,400 --> 00:29:41,280
Speaker 2: so if you're you know, if your husband or sorry,

612
00:29:41,280 --> 00:29:44,440
Speaker 2: your partner is interested and you know has some great

613
00:29:44,440 --> 00:29:47,440
Speaker 2: tips or strategies to help you with the sure on

614
00:29:47,480 --> 00:29:49,440
Speaker 2: your own. I don't know did you say this earlier, Tiffany,

615
00:29:49,480 --> 00:29:52,680
Speaker 2: but I would say, don't take every you know, maybe

616
00:29:52,680 --> 00:29:54,840
Speaker 2: he has ideas and he's super smart, but also do

617
00:29:54,920 --> 00:29:58,200
Speaker 2: your own research and learn so that it's not all

618
00:29:58,240 --> 00:30:01,960
Speaker 2: coming from one source. And and I think any good

619
00:30:02,000 --> 00:30:06,880
Speaker 2: partner would support you educating yourself and not just you know,

620
00:30:07,000 --> 00:30:10,320
Speaker 2: taking them at their word, because then you want to

621
00:30:10,360 --> 00:30:12,320
Speaker 2: feel empowered. And if things don't work out, you don't

622
00:30:12,320 --> 00:30:14,200
Speaker 2: want to be like, oh no, I'm gonna you know

623
00:30:14,440 --> 00:30:17,000
Speaker 2: everything I knew was tied up in this one person.

624
00:30:17,080 --> 00:30:19,080
Speaker 2: Now I don't know anything and I can't handle my

625
00:30:19,080 --> 00:30:23,520
Speaker 2: own finances. You'll exactly, You'll feel better and more empowered

626
00:30:23,640 --> 00:30:25,880
Speaker 2: as a woman and as a woman and as a

627
00:30:25,920 --> 00:30:30,320
Speaker 2: mother and as a working mom if you understand things

628
00:30:30,480 --> 00:30:30,920
Speaker 2: as well.

629
00:30:31,360 --> 00:30:34,320
Speaker 1: So basically I wouldn't have to do it for you,

630
00:30:34,400 --> 00:30:35,240
Speaker 1: but definitely with you.

631
00:30:37,320 --> 00:30:41,080
Speaker 2: And yeah, he should and hopefully he knows about it, because,

632
00:30:41,120 --> 00:30:43,720
Speaker 2: like you said, going into a marriage and springing that

633
00:30:43,800 --> 00:30:48,440
Speaker 2: on him it probably wouldn't be good. Thank you very

634
00:30:48,520 --> 00:30:52,840
Speaker 2: much for your question, Miss Sherley. Yes, Aunt Shirley, we

635
00:30:52,920 --> 00:30:53,280
Speaker 2: miss you.

636
00:30:53,440 --> 00:30:57,440
Speaker 1: Oh nobody does love Sherely. I know it's saally, but

637
00:30:57,480 --> 00:30:58,240
Speaker 1: you know it sounds.

638
00:30:58,320 --> 00:31:01,440
Speaker 2: Everyone's got lee as I'm a mandol. Go to Sherry Lee.

639
00:31:02,120 --> 00:31:06,280
Speaker 2: There's a ruby lee or a'll leave that is?

640
00:31:07,080 --> 00:31:08,280
Speaker 1: I love it all right.

641
00:31:08,480 --> 00:31:10,680
Speaker 2: Thank you guys so much for your questions. Again. Hit

642
00:31:10,760 --> 00:31:13,520
Speaker 2: us up at Brando Mission Podcast at gmail dot com

643
00:31:13,600 --> 00:31:17,440
Speaker 2: or brand and Mission Podcast on Instagram.

644
00:31:17,560 --> 00:31:20,400
Speaker 1: And now it's time to boost a break with our

645
00:31:20,520 --> 00:31:24,440
Speaker 1: BA family. Will you booze? Will you break? What you're

646
00:31:24,480 --> 00:31:27,480
Speaker 1: going to do? Mandy, I'm gonna do.

647
00:31:28,000 --> 00:31:30,800
Speaker 2: I'm gonna do a break really quick and uh and

648
00:31:30,840 --> 00:31:33,640
Speaker 2: I won't go on too too long about this, but

649
00:31:34,360 --> 00:31:37,160
Speaker 2: I want to do a break. Maybe I'll do a

650
00:31:37,200 --> 00:31:38,800
Speaker 2: boostand a break. So I want to do a break

651
00:31:38,960 --> 00:31:42,000
Speaker 2: for people out there who need to hear this, who

652
00:31:42,480 --> 00:31:46,680
Speaker 2: respond to feedback in the workplace defensively. If your first

653
00:31:46,720 --> 00:31:51,840
Speaker 2: response to criticism or negative feedback in the workplace is

654
00:31:51,960 --> 00:31:56,400
Speaker 2: to be defensive and point the finger at other people,

655
00:31:57,000 --> 00:31:59,480
Speaker 2: I want to just say, take, like, take ten seconds,

656
00:31:59,520 --> 00:32:01,960
Speaker 2: take a deep breath before you write that email, before

657
00:32:02,000 --> 00:32:05,040
Speaker 2: you respond in a defensive way, and like be a

658
00:32:05,040 --> 00:32:08,160
Speaker 2: little introspective, because as a manager, I often have to

659
00:32:08,160 --> 00:32:12,240
Speaker 2: give constructive feedback and criticize people if they're not doing

660
00:32:12,320 --> 00:32:17,200
Speaker 2: things properly. And it's really difficult to help someone grow

661
00:32:17,320 --> 00:32:20,040
Speaker 2: and to build a team when people are unwilling to

662
00:32:20,120 --> 00:32:23,880
Speaker 2: accept and learn from that feedback. And I have had

663
00:32:23,920 --> 00:32:26,240
Speaker 2: to humble myself throughout my career. I don't think i'd

664
00:32:26,280 --> 00:32:28,360
Speaker 2: be where I am if I wasn't a humble person

665
00:32:28,400 --> 00:32:31,880
Speaker 2: who could take and accept feedback and accept that sometimes

666
00:32:31,920 --> 00:32:33,880
Speaker 2: I don't do things the right way or that I

667
00:32:33,920 --> 00:32:37,680
Speaker 2: could be better at something. And it will just hurt.

668
00:32:37,720 --> 00:32:39,760
Speaker 2: It will make you a horrible person to work with,

669
00:32:40,320 --> 00:32:43,200
Speaker 2: It will stop people from wanting to see you move

670
00:32:43,280 --> 00:32:46,320
Speaker 2: up and succeed. It'll stop people from giving you, you know,

671
00:32:46,320 --> 00:32:48,760
Speaker 2: if you've been complaining about not being trusted with more

672
00:32:48,800 --> 00:32:52,400
Speaker 2: responsibilities or getting that promotion. I mean, sometimes for me

673
00:32:52,480 --> 00:32:56,440
Speaker 2: it comes down to does this person handle feedback well?

674
00:32:57,040 --> 00:33:00,760
Speaker 2: Can they see that there's room to grow? And it

675
00:33:00,800 --> 00:33:03,840
Speaker 2: may be tough to hear, but I've just seen those

676
00:33:03,880 --> 00:33:06,400
Speaker 2: two types of people and manage those two types of

677
00:33:06,400 --> 00:33:09,920
Speaker 2: people and the ones who can't accept feedback and learn

678
00:33:09,920 --> 00:33:13,120
Speaker 2: from it and grow from it and see the value

679
00:33:13,200 --> 00:33:16,040
Speaker 2: in getting the feedback. You know, if there's great you

680
00:33:16,080 --> 00:33:19,680
Speaker 2: should feel good about having, if they're doing it in

681
00:33:19,680 --> 00:33:23,040
Speaker 2: the right way, having a manager, having colleagues who feel

682
00:33:23,720 --> 00:33:26,120
Speaker 2: who care enough about you to give you feedback so

683
00:33:26,200 --> 00:33:28,280
Speaker 2: that you can grow. And I think that there's a

684
00:33:28,320 --> 00:33:31,080
Speaker 2: story you can tell yourself when you get constructive or

685
00:33:31,080 --> 00:33:34,920
Speaker 2: difficult feedback. The story can be, Oh, this person is

686
00:33:35,040 --> 00:33:38,719
Speaker 2: just criticizing me. Oh this is not my fault. This

687
00:33:38,760 --> 00:33:41,320
Speaker 2: person's micromanaging me like they just want to. They just

688
00:33:41,360 --> 00:33:43,640
Speaker 2: like are bringing me down. That's one story you can

689
00:33:43,640 --> 00:33:45,840
Speaker 2: tell yourself. Or the other story can be this is

690
00:33:45,880 --> 00:33:48,120
Speaker 2: a learning moment, this person cares enough to give me

691
00:33:48,160 --> 00:33:51,600
Speaker 2: this feedback. Let me actually look at the feedback and

692
00:33:52,080 --> 00:33:54,440
Speaker 2: think objectively as much as I can about what they're

693
00:33:54,480 --> 00:33:57,960
Speaker 2: saying and help figure out how I can grow and

694
00:33:58,080 --> 00:34:01,200
Speaker 2: learn from this and collaborate with that person to improve.

695
00:34:01,720 --> 00:34:04,440
Speaker 2: And I've seen the struggle. It's really hard for some

696
00:34:04,560 --> 00:34:06,920
Speaker 2: people to get there. But if you want to succeed

697
00:34:06,960 --> 00:34:09,360
Speaker 2: in your career, it's one of the best tips I

698
00:34:09,360 --> 00:34:12,200
Speaker 2: can give you is to bring humility to the table

699
00:34:12,360 --> 00:34:17,640
Speaker 2: and have take feedback, learn from it, and grow from it.

700
00:34:18,040 --> 00:34:21,359
Speaker 2: People in management positions love working with people like that,

701
00:34:21,440 --> 00:34:24,399
Speaker 2: and it really sucks when you have people who who

702
00:34:24,440 --> 00:34:26,840
Speaker 2: can't do that, and then it's like.

703
00:34:26,960 --> 00:34:29,600
Speaker 1: Break what about you? You said you're going to do

704
00:34:29,600 --> 00:34:30,319
Speaker 1: a boost and a breaking.

705
00:34:30,320 --> 00:34:32,320
Speaker 2: Oh the boost would be for people who can take feedback.

706
00:34:33,120 --> 00:34:34,520
Speaker 2: I was just trying, how are they going to like,

707
00:34:34,560 --> 00:34:37,439
Speaker 2: how are they going to spin this positive or negative? Yeah?

708
00:34:37,520 --> 00:34:40,400
Speaker 2: Boost for boost for everybody out there. And I had

709
00:34:40,440 --> 00:34:42,400
Speaker 2: to learn how to take I'm a writer and I

710
00:34:42,440 --> 00:34:44,879
Speaker 2: get edited by you know, I was a writer. I'm

711
00:34:44,880 --> 00:34:49,120
Speaker 2: an editor now, but having to take criticism from sometimes

712
00:34:49,120 --> 00:34:51,719
Speaker 2: people I didn't know about stuff that the stories that

713
00:34:51,760 --> 00:34:55,240
Speaker 2: I would produce, I mean talk about direct feedback every

714
00:34:55,280 --> 00:34:57,400
Speaker 2: single day. And if you're in a field where you're

715
00:34:57,440 --> 00:34:59,879
Speaker 2: getting feedback every single day, you're not going to You're

716
00:34:59,880 --> 00:35:01,680
Speaker 2: not gonna last very long if you can't take it.

717
00:35:01,760 --> 00:35:04,160
Speaker 2: So a boost for people who take that feedback and

718
00:35:04,239 --> 00:35:06,520
Speaker 2: can grow from it and accept and and know that

719
00:35:06,560 --> 00:35:09,400
Speaker 2: it comes from a place of you know, well meaning

720
00:35:09,400 --> 00:35:10,320
Speaker 2: and for your own growth.

721
00:35:10,640 --> 00:35:14,400
Speaker 1: So I'm going to do kind of like a double booth.

722
00:35:14,600 --> 00:35:17,960
Speaker 1: So first booth, we did it, We did it, We

723
00:35:18,000 --> 00:35:21,680
Speaker 1: did it. Yeah, lo and CMO, So y'all really show now.

724
00:35:21,680 --> 00:35:23,360
Speaker 1: I mean, by the time you hear this is it's

725
00:35:23,400 --> 00:35:27,160
Speaker 1: it will be passed. But on Tuesday, the Mollymore kickstarter

726
00:35:27,280 --> 00:35:30,360
Speaker 1: officially is done. And girl, we have raised over fifty

727
00:35:30,360 --> 00:35:32,120
Speaker 1: two thousand dollars.

728
00:35:32,239 --> 00:35:36,759
Speaker 2: Oh my god, honestly, that's amazing. I haven't checked in

729
00:35:36,800 --> 00:35:39,440
Speaker 2: a minute. That's wait, you were trying to raise how much?

730
00:35:39,760 --> 00:35:44,320
Speaker 1: Thirty five thousand? Full crap? I know. And each additional

731
00:35:44,360 --> 00:35:47,920
Speaker 1: five thousand dollars means that I can donate two hundred

732
00:35:47,920 --> 00:35:50,520
Speaker 1: more books I did the math, and hire one additional teacher.

733
00:35:51,360 --> 00:35:51,640
Speaker 2: Wow.

734
00:35:51,680 --> 00:35:55,319
Speaker 1: So it's been I mean, like, this is definitely one

735
00:35:55,320 --> 00:35:57,839
Speaker 1: of the hardest things I've done before. I will say this,

736
00:35:57,920 --> 00:36:00,839
Speaker 1: the pre work was so hard, and the Kickstarter, if

737
00:36:00,880 --> 00:36:03,320
Speaker 1: you do the pre work, it's not as hard, especially

738
00:36:03,400 --> 00:36:06,600
Speaker 1: past like the first week. But I honestly, I told

739
00:36:06,680 --> 00:36:09,920
Speaker 1: myself in my mind, my you know what, you killed it.

740
00:36:10,000 --> 00:36:12,000
Speaker 1: If you get to forty thousand, you know you ask

741
00:36:12,040 --> 00:36:14,359
Speaker 1: for thirty five, you get to forty, who girl? So

742
00:36:14,480 --> 00:36:16,839
Speaker 1: to get to fifty two? Because last night, Mandy, we

743
00:36:16,840 --> 00:36:18,759
Speaker 1: were at like I don't even want to say, like

744
00:36:18,800 --> 00:36:21,279
Speaker 1: maybe like forty seven or something, so you know, I

745
00:36:21,320 --> 00:36:24,160
Speaker 1: didn't I was kind of holding my breath that maybe

746
00:36:24,200 --> 00:36:26,719
Speaker 1: we could crack fifty, but like, let's not get crazy.

747
00:36:26,960 --> 00:36:29,480
Speaker 1: So to get past fifty two is like I think,

748
00:36:29,760 --> 00:36:32,600
Speaker 1: I think people. One of the things that this has

749
00:36:32,600 --> 00:36:35,640
Speaker 1: taught me is I think folks think that having an

750
00:36:35,680 --> 00:36:38,440
Speaker 1: audience does not guarantee that people are going to support

751
00:36:38,480 --> 00:36:41,640
Speaker 1: something that's not necessarily fully in alignment with what they

752
00:36:41,680 --> 00:36:44,080
Speaker 1: know you for. You know, if you one thing like oh,

753
00:36:44,080 --> 00:36:47,160
Speaker 1: I'm coming up with a financial book, then my expectation is, Hey,

754
00:36:47,560 --> 00:36:50,640
Speaker 1: you come to me for personal finance as the budgetista.

755
00:36:50,800 --> 00:36:52,760
Speaker 1: You're gonna buy my adult book because you're an adult.

756
00:36:53,080 --> 00:36:55,920
Speaker 1: But to convince people who don't have kids, you know,

757
00:36:56,080 --> 00:36:59,640
Speaker 1: to purchase a financial literacy well, a children's book with

758
00:36:59,680 --> 00:37:02,840
Speaker 1: a final literacy undertone for kids. It's that was a

759
00:37:02,840 --> 00:37:06,640
Speaker 1: bigger leap, and you know, and I just I'm just

760
00:37:06,680 --> 00:37:08,600
Speaker 1: really grateful for every single person. There are people who

761
00:37:08,920 --> 00:37:11,640
Speaker 1: donated a dollar, five dollars. I just love that, Like

762
00:37:11,680 --> 00:37:16,080
Speaker 1: I am grateful for the people who donated seven hundred,

763
00:37:16,080 --> 00:37:18,920
Speaker 1: and equally is grateful for people who donated a dollar

764
00:37:19,239 --> 00:37:21,560
Speaker 1: because with those are people who are like, I don't

765
00:37:21,600 --> 00:37:24,200
Speaker 1: have much, but I love what you're doing. You've helped me,

766
00:37:24,239 --> 00:37:26,239
Speaker 1: so I'm going to pour back into the babies. So

767
00:37:26,400 --> 00:37:29,600
Speaker 1: I'm just yeah, I'm just grateful over twelve hundred people donated.

768
00:37:29,640 --> 00:37:32,839
Speaker 1: And what I love almost thirteen hundred. What I really

769
00:37:32,880 --> 00:37:34,759
Speaker 1: love is that you know that we not that I

770
00:37:34,800 --> 00:37:37,240
Speaker 1: love this, but the fact is we didn't go viral.

771
00:37:37,680 --> 00:37:41,560
Speaker 1: These people that donated are individually won Like I can

772
00:37:41,680 --> 00:37:43,600
Speaker 1: go behind the scenes and see each in one of

773
00:37:43,640 --> 00:37:46,279
Speaker 1: your names, and so to see people that have not

774
00:37:46,320 --> 00:37:49,400
Speaker 1: spoken to in years, that have not seen the year's

775
00:37:49,600 --> 00:37:52,640
Speaker 1: middle school friends, high school friends, I'm like, oh my gosh,

776
00:37:52,840 --> 00:37:55,000
Speaker 1: it's just yeah, it's just been Honestly, it's just been

777
00:37:55,040 --> 00:37:58,239
Speaker 1: an amazing journey. So That is my boost, Like, whoo,

778
00:37:58,840 --> 00:38:02,040
Speaker 1: the good thing is at mymore dot com. As soon

779
00:38:02,040 --> 00:38:05,000
Speaker 1: as it like closes, the kickstarter closes, it will turn

780
00:38:05,000 --> 00:38:07,279
Speaker 1: into just a general pre order page. And the book

781
00:38:07,280 --> 00:38:09,480
Speaker 1: I think is like I want to say, seventeen dollars,

782
00:38:09,520 --> 00:38:12,000
Speaker 1: like a regular children's book of that size, So you'll

783
00:38:12,040 --> 00:38:13,879
Speaker 1: be able to just pre order just regularly that same

784
00:38:13,880 --> 00:38:17,399
Speaker 1: website at mollymore dot com. Al I am O r E.

785
00:38:17,600 --> 00:38:20,400
Speaker 1: But my real true boost is I think I just

786
00:38:20,440 --> 00:38:23,880
Speaker 1: found amazing admin. I don't think she listens to Brian Abishen,

787
00:38:24,360 --> 00:38:25,960
Speaker 1: but I want her to stay.

788
00:38:26,160 --> 00:38:28,480
Speaker 2: So how amazing could she be if she's not a listener?

789
00:38:28,480 --> 00:38:29,280
Speaker 2: I don't understand.

790
00:38:30,360 --> 00:38:32,919
Speaker 1: Well, she's been a DreamCatcher for a long time. But

791
00:38:33,520 --> 00:38:36,040
Speaker 1: here's something that really helped because I've been having a

792
00:38:36,040 --> 00:38:38,800
Speaker 1: hard time finding the right fit. Remember I had that

793
00:38:39,120 --> 00:38:41,239
Speaker 1: lady that grand opening, grand closing. We let her go

794
00:38:41,280 --> 00:38:43,840
Speaker 1: within twenty four hours. We were learning, like, how do

795
00:38:43,880 --> 00:38:46,160
Speaker 1: you find the right admin? Finding an executive admin is

796
00:38:46,200 --> 00:38:46,640
Speaker 1: not easy?

797
00:38:46,760 --> 00:38:48,840
Speaker 2: A few months ago, yeah.

798
00:38:48,400 --> 00:38:51,240
Speaker 1: It was, but even before that, like we were looking.

799
00:38:51,280 --> 00:38:53,480
Speaker 1: We've been looking. I've been looking honestly for like nearly

800
00:38:53,520 --> 00:38:56,600
Speaker 1: I feel like two years. But that's not odd because

801
00:38:56,640 --> 00:38:59,480
Speaker 1: most of my my my friends in business same thing.

802
00:38:59,800 --> 00:39:02,200
Speaker 1: They have a great CFO, they have a great bookkeeper,

803
00:39:02,239 --> 00:39:04,480
Speaker 1: they have a great all these other things. But finding

804
00:39:04,520 --> 00:39:07,840
Speaker 1: an executive admin who is who wants to be an admin,

805
00:39:07,920 --> 00:39:09,960
Speaker 1: not wants to be I'll be an admin because I'm

806
00:39:09,960 --> 00:39:12,120
Speaker 1: really trying to be dot dot do, but someone who

807
00:39:12,160 --> 00:39:14,000
Speaker 1: really just wants to be the best adam in possible.

808
00:39:14,840 --> 00:39:18,880
Speaker 1: It's really hard. So we did some really deep dive interviews.

809
00:39:18,880 --> 00:39:21,000
Speaker 1: So we interviewed i want to say, like ten different people,

810
00:39:21,040 --> 00:39:23,520
Speaker 1: whittled it down to five, and we had them submit

811
00:39:23,560 --> 00:39:26,760
Speaker 1: everything from here's the scenario that might be in Tiffany's inbox,

812
00:39:26,840 --> 00:39:28,880
Speaker 1: what do you say, let me see how your PowerPoint

813
00:39:28,920 --> 00:39:31,200
Speaker 1: presentation looks, let me see how excel looks like. We

814
00:39:31,239 --> 00:39:34,640
Speaker 1: did all the things, got it down to three really

815
00:39:34,680 --> 00:39:38,319
Speaker 1: great women, and after interviewing them, one really stood out

816
00:39:38,640 --> 00:39:40,359
Speaker 1: to me. The other two were great too, but one

817
00:39:40,480 --> 00:39:43,960
Speaker 1: really stood out as a unicorn and she was a

818
00:39:44,040 --> 00:39:46,080
Speaker 1: dream catcher for a number of years. I knew her

819
00:39:46,520 --> 00:39:48,240
Speaker 1: just from like in like kind of like in passing.

820
00:39:48,280 --> 00:39:50,560
Speaker 1: We've done things together, and I was like, oh her,

821
00:39:50,920 --> 00:39:54,560
Speaker 1: she's awesome. So then we did something new this time

822
00:39:54,960 --> 00:39:58,680
Speaker 1: that we had the team. She worked a paid almost

823
00:39:58,680 --> 00:40:01,880
Speaker 1: like a paid preview for two weeks. So the first

824
00:40:01,920 --> 00:40:04,000
Speaker 1: week she got paid to work with the team and

825
00:40:04,040 --> 00:40:06,080
Speaker 1: they did some trainings and things like that, and they

826
00:40:06,120 --> 00:40:08,279
Speaker 1: loved her. And in the second week she worked with

827
00:40:08,320 --> 00:40:10,759
Speaker 1: me where we spoke for like a few minutes every

828
00:40:10,800 --> 00:40:12,200
Speaker 1: morning and like kind of work through the day and

829
00:40:12,239 --> 00:40:14,239
Speaker 1: what needed to be done. And she's been amazing, when

830
00:40:14,280 --> 00:40:17,080
Speaker 1: I tell you. And so the key is now is

831
00:40:17,360 --> 00:40:20,319
Speaker 1: that preview is not just for us to decide if

832
00:40:20,360 --> 00:40:22,759
Speaker 1: she's a fit. She has to decide if we're a fit.

833
00:40:22,840 --> 00:40:25,919
Speaker 1: And so I know that it's really hectic sometimes working

834
00:40:25,920 --> 00:40:29,680
Speaker 1: over at the Budgetnissa, And I know I'll find out

835
00:40:29,680 --> 00:40:32,239
Speaker 1: tomorrow if I know if I've already chosen her. I'm like, oh,

836
00:40:32,320 --> 00:40:35,600
Speaker 1: choose you. I find out tomorrow if she chooses us back,

837
00:40:36,239 --> 00:40:38,359
Speaker 1: and we haven't scared her away with all the shenanigans

838
00:40:38,360 --> 00:40:40,720
Speaker 1: that it takes to like keep a business like this running.

839
00:40:40,760 --> 00:40:43,480
Speaker 1: So yeah, that's just really my my brown boost. She

840
00:40:43,560 --> 00:40:45,120
Speaker 1: is brown, so I wanted to boost her. I'm not

841
00:40:45,120 --> 00:40:47,600
Speaker 1: gonna say hun yet what we call Michelle, because you know,

842
00:40:47,800 --> 00:40:49,920
Speaker 1: the running joke is all the admins are named Michelle,

843
00:40:50,880 --> 00:40:55,839
Speaker 1: So new Michelle, hopefully you choose you choose us back.

844
00:40:59,120 --> 00:41:02,440
Speaker 2: It's like Avilada when she just kept calling her the

845
00:41:02,520 --> 00:41:03,239
Speaker 2: other girl's name.

846
00:41:04,680 --> 00:41:06,520
Speaker 1: But no, she's like I said, she's awesome. And but

847
00:41:06,800 --> 00:41:08,239
Speaker 1: one thing I do know, this is what I told

848
00:41:08,239 --> 00:41:11,640
Speaker 1: the team that when you find somebody amazing, what it

849
00:41:11,719 --> 00:41:14,200
Speaker 1: what reminds me is that there are other amazing people

850
00:41:14,239 --> 00:41:16,520
Speaker 1: out there. So for whatever reason, if we don't, she

851
00:41:16,560 --> 00:41:20,520
Speaker 1: doesn't choose us and me that what it does is

852
00:41:20,560 --> 00:41:22,920
Speaker 1: she made it clear for me to figure out what

853
00:41:22,960 --> 00:41:24,600
Speaker 1: it is I needed and what I'm looking for to

854
00:41:24,640 --> 00:41:26,840
Speaker 1: adden because she's a plus so so I'm trying to

855
00:41:26,840 --> 00:41:29,160
Speaker 1: look at the good side but also whole fingers because

856
00:41:29,160 --> 00:41:31,680
Speaker 1: she's been talking like we had like our morning talk

857
00:41:31,719 --> 00:41:34,800
Speaker 1: today and the way she's talking like yeah, so on Thursday,

858
00:41:34,840 --> 00:41:36,800
Speaker 1: I'm like, are you gonna be here on Thursday? So

859
00:41:36,960 --> 00:41:41,000
Speaker 1: I'm hoping if you listen to girl, please say we

860
00:41:41,160 --> 00:41:41,600
Speaker 1: need to.

861
00:41:42,200 --> 00:41:44,040
Speaker 2: And when you find the right person, it does feel

862
00:41:44,080 --> 00:41:46,120
Speaker 2: like you found like a love match or something. I mean,

863
00:41:46,160 --> 00:41:48,680
Speaker 2: it's like dating. You're like, I just I've left really

864
00:41:48,680 --> 00:41:51,400
Speaker 2: good interviews just on Cloud nine, Like that was a

865
00:41:51,440 --> 00:41:54,520
Speaker 2: great date. I want to text my mom and tell

866
00:41:54,520 --> 00:41:56,520
Speaker 2: her about this great person I just met and how

867
00:41:56,719 --> 00:41:59,879
Speaker 2: you know, like and that is the best feeling is.

868
00:42:00,239 --> 00:42:01,960
Speaker 1: Lie, Like I told her, I felt like I was

869
00:42:01,960 --> 00:42:04,480
Speaker 1: like kicking game. I said, girl, this is what I said. Literally,

870
00:42:04,560 --> 00:42:07,439
Speaker 1: it'll take a whole day to recognize sunshine. I would

871
00:42:07,480 --> 00:42:10,719
Speaker 1: love for you to be on the team, you know,

872
00:42:10,800 --> 00:42:13,200
Speaker 1: So fingers crossed either way, Like it's just I mean,

873
00:42:13,520 --> 00:42:16,239
Speaker 1: either way, it's it's it's good either way. So but

874
00:42:16,560 --> 00:42:18,200
Speaker 1: either we learned a really great lesson or we have

875
00:42:18,239 --> 00:42:21,560
Speaker 1: a really great person, hopefully both. So that's my brown boosty.

876
00:42:21,600 --> 00:42:24,000
Speaker 2: It's oh fabulous. That's great to end the show on

877
00:42:24,040 --> 00:42:26,719
Speaker 2: a high note. And congrats again on the success of

878
00:42:26,760 --> 00:42:28,920
Speaker 2: that kickstarter. I'm so excited for Molly Moore and I

879
00:42:28,920 --> 00:42:31,600
Speaker 2: hope this is just one of many, many, many, mallymore

880
00:42:31,600 --> 00:42:34,960
Speaker 2: books to come. And I can't wait to see how big,

881
00:42:35,640 --> 00:42:36,920
Speaker 2: how big everything gets with that.

882
00:42:37,800 --> 00:42:39,880
Speaker 1: I know, honestly, I'm like, I'm just holding out by

883
00:42:39,880 --> 00:42:42,520
Speaker 1: the seat of my pants. I'm like, whatever whatever comes,

884
00:42:42,560 --> 00:42:44,920
Speaker 1: I'm just welcoming it with opening arms and I have

885
00:42:45,239 --> 00:42:48,440
Speaker 1: I'm keeping low expectation but open to all opportunities.

886
00:42:48,520 --> 00:42:53,040
Speaker 2: Speak to the universe. Yes, all right, guys, well, wash

887
00:42:53,080 --> 00:42:56,399
Speaker 2: your hands, don't touch your face, be safe, work from

888
00:42:56,440 --> 00:42:58,040
Speaker 2: home if you can, and.

889
00:42:58,080 --> 00:42:58,960
Speaker 1: Don't touch it for one K.

890
00:42:59,560 --> 00:43:03,640
Speaker 2: Yes, touch your for one K. Consult at expert if

891
00:43:03,680 --> 00:43:07,560
Speaker 2: you have. If you're thinking about doing anything with your investments,

892
00:43:07,560 --> 00:43:10,960
Speaker 2: talk to an expert first. Hit us up with your questions.

893
00:43:11,040 --> 00:43:13,160
Speaker 2: Let us know you know if you've made any financial

894
00:43:13,200 --> 00:43:17,760
Speaker 2: moves in light of all this coronavirus, you know, market upheaval,

895
00:43:17,800 --> 00:43:20,960
Speaker 2: whether it's refinancing your mortgage or looking at your investments.

896
00:43:21,000 --> 00:43:22,799
Speaker 2: You know, I'm curious, We're all curious how you guys

897
00:43:22,800 --> 00:43:25,720
Speaker 2: are handling it, So shoot us a note Instagram, Brando

898
00:43:25,760 --> 00:43:29,399
Speaker 2: Mission Podcast Gmail. We're Brando Mission Podcast at gmail dot

899
00:43:29,440 --> 00:43:31,600
Speaker 2: com and we're also on Twitter and Facebook, so you

900
00:43:31,600 --> 00:43:35,120
Speaker 2: can find us that way as well. Stay safe out there,

901
00:43:35,200 --> 00:43:35,879
Speaker 2: have a great week.

902
00:43:36,680 --> 00:43:47,439
Speaker 1: Bye bye