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Speaker 1: Hey, hey, hey, oh the wine down. How are you feeling?

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Speaker 2: I'm feeling good. I can't believe next week I'm gonna

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Speaker 2: be leaving to visit my family for the holidays already.

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Speaker 2: And like Christmas is that Sunday this year? Is it

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Speaker 2: a Sunday or a Monday? Christmas Eves a Sunday? I think, wow, yeah,

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Speaker 2: it's all happening. I feel like this is like the

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Speaker 2: I feel like everyone out there, if you're working, this

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Speaker 2: is to take a deep breathed week, because it's like

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Speaker 2: you're looking at the calendar and you feel like you're

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Speaker 2: in like the you know the movie scene where like

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Speaker 2: the walls are pressing in on you and you're like

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Speaker 2: you're gonna get Like that feels like what's happening right

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Speaker 2: now because you're like, oh my god, I have to

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Speaker 2: get everything done before ye Christmas time, and I'm not

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Speaker 2: gonna make it. I'm gonna die. This is where I'm

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Speaker 2: gonna die.

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Speaker 1: I'm dead, yeah exactly. I feel like my ghost is

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Speaker 1: right here. This is my ghost. This is not my

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Speaker 1: real person, and this is my ghost. I'm like, I

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Speaker 1: don't know. Every year that I do the challenge, my

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Speaker 1: liverature challenge, around this time. I'm like, why did I

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Speaker 1: choose this end of the year like again, because on

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Speaker 1: top of everything else, it's like people are winding down

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Speaker 1: and the challenge is making us wind up. You know.

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Speaker 2: Yeah this is and people stop instoring their email this

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Speaker 2: time of year. It's hard to get stuff done this

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Speaker 2: time of year. But I know, I said, I'm fine.

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Speaker 2: Maybe I'm not fine, you know what I am? I

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Speaker 2: am fine because I feel like that training I did

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Speaker 2: last week, I have literally I don't know. I've just

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Speaker 2: been so at peace being back at work, Like nothing's

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Speaker 2: really changed in terms of my workload, but my perspective

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Speaker 2: has shifted a little bit. I just keep reminding. I

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Speaker 2: just keep saying to myself, like I have internal dialogue,

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Speaker 2: and I'm like, you can't do everything today. It's just

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Speaker 2: not possible. You can only do a few things a day.

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Speaker 2: I love one of the one of the things that

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Speaker 2: are And for those of you who didn't listen to

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Speaker 2: last week's show, I was at a week long training

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Speaker 2: at the pointer Or Institute, which is this really renowned

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Speaker 2: organization that trains journalists around the country. UH with any

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Speaker 2: national Association of Black Journalists, but anyway, like one of

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Speaker 2: the things. So one of our mentors was Mizelle Stewart,

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Speaker 2: who runs USA Today, the entire network of one hundred newspapers,

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Speaker 2: and he looked at us and he was like, when

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Speaker 2: you get to work, you have to ask yourself, what

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Speaker 2: is it that only I can do when you're like

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Speaker 2: prioritizing your day? And I was like, that is I

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Speaker 2: don't know. It really clicks something in me because I

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Speaker 2: feel like, and especially if you're bad at delegating, you

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Speaker 2: get to your work, you get to the office and

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Speaker 2: you immediately start at least okay, I'll just talk about

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Speaker 2: myself here. I immediately will start looking at my to

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Speaker 2: do list, and I'm doing a bunch of stuff for

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Speaker 2: other people and helping other people or doing things that

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Speaker 2: other people on the team could be doing on their own.

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Speaker 2: And I'm like pushing, I'm putting off things that only

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Speaker 2: I could be doing that are like more high level

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Speaker 2: because I'm like getting stuck on the small stuff that

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Speaker 2: I should be delegating. And when he said that, I

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Speaker 2: literally I got to work yesterday, what today is Tuesday?

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Speaker 2: Yesterday and today? And I was like, what can only

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Speaker 2: I do? And it really has helped me be less

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Speaker 2: frazzled at work, Like instead of getting to the office

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Speaker 2: and editing and editing all the stories that I have

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Speaker 2: a managing editor to help me with, I focused on

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Speaker 2: big level things like higher and we have two open

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Speaker 2: positions right now, and I really need to like get

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Speaker 2: through resumes and get interview set up, and I focus

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Speaker 2: on doing that first instead of the little shit that

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Speaker 2: I would do in the morning, you know, like the

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Speaker 2: small stuff. And I just like, just by flipping my

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Speaker 2: day around, I just felt less like harassed and less stressed.

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Speaker 2: And I'm like, dang, that was that. That whole week

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Speaker 2: just changed my entire like mentality around how I'm working.

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Speaker 2: And I'm really really excited for to like start rolling

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Speaker 2: out some changes at the office slowly so they don't

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Speaker 2: get overwhelmed.

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Speaker 1: They're like, oh, god, she went to a conference, you know,

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Speaker 1: but it's no.

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Speaker 2: I know, we were all laughing about that. We're like,

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Speaker 2: what you what you're not going to do is get

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Speaker 2: there and start spreading the gospel right away. They're going

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Speaker 2: to think you're like a zealot, but we're like, we're

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Speaker 2: talking the people who did the thing and were like strategizing.

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Speaker 2: So on the first day, I'm only going to do

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Speaker 2: this like today, I just brought it. I bought a

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Speaker 2: massive point SETA because her office is so white and

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Speaker 2: so stark, and I'm always like complaining about it, so

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Speaker 2: drabbing here, and I'm like, why don't I just do

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Speaker 2: something about it? And I bought this massive point SETA

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Speaker 2: and the whole thing just cheered everything up. Everyone's like, oh,

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Speaker 2: look at this, and you know it's just that little thing.

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Speaker 2: Little they know there's more coming.

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Speaker 1: Are really are really pretty. I love point settus cool.

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Speaker 1: Just they just they just add like a nice little

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Speaker 1: holiday touch. So I you know, I spoke at that

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Speaker 1: that women's conference, the Massachusetts Wmen's Conference is one of

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Speaker 1: the largest conferences in the in the nation, and everybody

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Speaker 1: was like, how Mayby, I said, Hi, I love my ambition.

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Speaker 1: I'm like what. It was so awesome. Honestly, it was

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Speaker 1: so awesome how many women there listening to brown ambition?

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Speaker 1: Because I just feel like I'm talking to you, And

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Speaker 1: I was like, what you listen? They're like every week

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Speaker 1: or like, people just reiterating the things that like, you know,

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Speaker 1: we shared like and then tell many I said this,

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Speaker 1: and don't worry about your surgery and did you get

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Speaker 1: the house, I'm like, oh my gosh, you guys really listen.

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Speaker 2: That's so nice to hear.

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Speaker 1: Yeah, that was really awesome. I mean like honestly a

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Speaker 1: bunch of women. I really was like, Wow, we really

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Speaker 1: got some listeners out there.

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Speaker 2: One of the guys that came that was in the

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Speaker 2: same training as us, he was like he was so quiet,

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Speaker 2: and then I finally sat at his table and he

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Speaker 2: was like, Mandy, I love Brown Ambition. I was like,

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Speaker 2: who are you, Marshall?

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Speaker 1: What a Jamal another.

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Speaker 2: Jamal Marshall from good old Birmingham, Alabama. When now he's

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Speaker 2: in Atlanta. I was like, thank you Marshall. That's so nice.

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Speaker 1: Wow. You just never know, like, yeah, I just love

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Speaker 1: that when people come up to me and say that.

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Speaker 1: I'm just like, so do the more, because you know,

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Speaker 1: it makes such feel good to know that we're out

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Speaker 1: here in these streets and people are listening and appreciating.

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Speaker 2: Yeah. So you've got the Liverature Challenge coming up.

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Speaker 1: Yes, this is I'm really excited because I really try

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Speaker 1: to listen to what people from the previous challenge today

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Speaker 1: because we always ask survey questions like you know, what

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Speaker 1: did you like well, didn't you, like, what do you

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Speaker 1: want to learn? And it seemed like the theme for

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Speaker 1: Dreamcatchers for twenty seventeen was really like make more money,

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Speaker 1: side hustle, that kind of thing, and so I kind

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Speaker 1: of decided that I was going to elevate that to

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Speaker 1: net Worth. So this is a net Worth edition.

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Speaker 2: And this is the challenge third or fourth year.

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Speaker 1: Fourth this is the fourth year, so I'm like ooohoes.

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Speaker 1: And so the challenge is free like it always is,

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Speaker 1: and it's three weeks of daily tasks delivered to you

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Speaker 1: via your email. It should be up hopefully by the

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Speaker 1: time this is live at LRC for liverat or Challenge

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Speaker 1: Networth dot com, So LRC network dot com. It starts

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Speaker 1: live January first, So you sign up, you'll get like

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Speaker 1: a confirmation email, then like a survey to like a

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Speaker 1: registration survey to fill out, and then starting January first,

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Speaker 1: we will all be getting the same emails together every

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Speaker 1: morning and we'll work through all of the tasks. If

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Speaker 1: there's twenty two tasks, we'll work through them together. And

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Speaker 1: the task will lead you to like a plan toward

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Speaker 1: having a stronger network. So networth is less debt, more assets,

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Speaker 1: and so that's what I want for you for twenty eighteen.

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Speaker 2: Fabulous. I might need to get on this challenge this

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Speaker 2: year might be my challenge.

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Speaker 1: I'm so excited about it, and so I told myself

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Speaker 1: because it is such a beast, I don't think people

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Speaker 1: realize all the moving parts. Even now, we're still you know,

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Speaker 1: scrambling to get things together in time. But I decided that,

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Speaker 1: so I'll do five challenges, So this will be the

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Speaker 1: second to last one. I'll do the fifth one, and

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Speaker 1: then what I'll do is we'll just we'll revamp the

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Speaker 1: first one and do them in order again, so we'll

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Speaker 1: still do them every year, but I'm not going to

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Speaker 1: come up with a brand new one because it's just honestly, like,

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Speaker 1: I love doing it because it's free, and like I said,

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Speaker 1: I continue to do it, but the it is so

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Speaker 1: labor intense, like it's just nothing like it and I'm like,

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Speaker 1: all right, like I feel like passing out right now. Yeah,

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Speaker 1: So I just said, you know what, one more challenge

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Speaker 1: and then we'll just loop start from the beginning, like, okay, fundamentals,

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Speaker 1: then the Savings Edition and the Credit edition, the net

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Speaker 1: Worth and whatever the fifth one will be and we'll

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Speaker 1: just every five years we'll start the loop all over again,

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Speaker 1: so we can continue to serve, but in a way

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Speaker 1: that doesn't like kill me personally.

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Speaker 2: What do you get for completing all five challenges? Ooh?

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Speaker 1: Why you should get something? You should get like some

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Speaker 1: sort of gold star thing.

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Speaker 2: You should get a little badge like in brownies.

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Speaker 1: Yeah, you should. That should be dope. But I have

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Speaker 1: to figure that.

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Speaker 2: Out, Like, yeah, one more thing for you to do.

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Speaker 2: Figure that out.

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Speaker 1: You know when people tell you that, they'll say like

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Speaker 1: stuff like, oh, tivity real quick, and I'm like, uh,

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Speaker 1: there's no such thing. It's real quick because I have

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Speaker 1: to stop what I'm doing, do the thing that you ask,

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Speaker 1: and then somehow get back you know. So yeah, I mean,

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Speaker 1: such his life.

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Speaker 2: Well, I'm excited for the Liberature Challenge. What is that?

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Speaker 2: Lrcnetworth dot com mm hmm holla. What else is happening

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Speaker 2: in the world.

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Speaker 1: I don't know. I'm not even gonna lie. I have

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Speaker 1: not been like on like social media too much. I

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Speaker 1: know the New Year's coming now.

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Speaker 2: Yeah, the holidays are coming. I can't Yeah, I've I

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Speaker 2: kept I talked a big game about not wanting to

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Speaker 2: do gifts and I do this, I might do this

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Speaker 2: every year, like I should know myself by now, like

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Speaker 2: Christmas is stupid. It's not about gift giving. Why are

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Speaker 2: we doing this? And then I'm like, oh oh, but

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Speaker 2: I like this for that person, and I like this

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Speaker 2: for this person, and I just love giving gifts. I

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Speaker 2: can't stop, like throughout the year even I just love

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Speaker 2: sending stuff to people. I mean, I'm not going to

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Speaker 2: go crazy, but my family we did decide we're going

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Speaker 2: to do white Elephant instead of everyone gets a gift.

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Speaker 2: Because we're like adults now and nobody has kids. It

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Speaker 2: feels kind of silly to get your adult siblings something

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Speaker 2: for nothing. Do you know White Elephant.

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Speaker 1: Yeah, that's like when everybody gets like a general gift

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Speaker 1: and then you kind of like pick from it.

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Speaker 2: Right, Yeah, it's really fun. Well, it's like white Elephant

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Speaker 2: or Yankee Swap, and it's where everybody brings a gift,

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Speaker 2: and it's like you want the gift to be kind

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Speaker 2: of quirky, but something that you still would want for yourself. Like,

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Speaker 2: don't do what my little brother did in Christmas of

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Speaker 2: two thousand and nine when he brought laundry detergent balls

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Speaker 2: as a gift like did not fail. That failed that

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Speaker 2: everyone Christmas. Everyone was like I've never seen my mom

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Speaker 2: was so mad. They got in the biggest fight. So

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Speaker 2: bring a good gift. Yeah yeah, but then you like

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Speaker 2: draw numbers and then you you pick the gifts in

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Speaker 2: order and you can steal from each other and it's

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Speaker 2: like really fun.

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Speaker 1: Oh that's why I think I've seen that part. But

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Speaker 1: I still honestly that link that you gave me draw

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Speaker 1: names dot com it's still bay. It is like the

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Speaker 1: best thing awesome. So my sisters and idly love it.

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Speaker 1: So I have my person even though. So the fun

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Speaker 1: thing about draw names one it's free and two because

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Speaker 1: like where it's just the five of us, So I

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Speaker 1: can go in and be like same list as last year.

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Speaker 1: And the only rule is like that you can set

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Speaker 1: the rule. The rule is I cannot get the same

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Speaker 1: person I got last year. So when we used to

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Speaker 1: like we used to literally meet up for Thanksgiving and

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Speaker 1: pull names from a from a hat, but then you

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Speaker 1: might still get the same person again, you know. Yeah,

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Speaker 1: and you know so with this no, you know, you

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Speaker 1: definitely don't get the same person and they get to update.

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Speaker 1: Like so for example, the system that I have. Apparently

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Speaker 1: every day she decided something new that she wants. So

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Speaker 1: every time they update their list of what they want,

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Speaker 1: you get an email. I'm like, really, dude, oh.

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Speaker 2: You can put a list of things that you want

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Speaker 2: on there.

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Speaker 1: Yeah, so you can put like your your you could

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Speaker 1: put like your what is it called. You're like, so

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Speaker 1: first you put your budget and then you're like, oh,

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Speaker 1: you know, I have whatever amount of money, you know,

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Speaker 1: fifty I think we did fifty dollars for our budget.

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Speaker 1: And then I said, you can, you know, write down

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Speaker 1: three to five things that you want you want like

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Speaker 1: that would be within that budget. And like, I feel

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Speaker 1: like every day it's like it'll send me a message

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Speaker 1: like hey, your secret sad person updated they're giftless. I'm like, really,

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Speaker 1: I'm like, decide one thing. So hopefully she's yeah, she's

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Speaker 1: picked out what she wanted. But honestly, I just love

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Speaker 1: it because it makes it easier. I'm just gonna hopefully.

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Speaker 1: I think I'll try to order something today from Amazon

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Speaker 1: for her, and I think she'll love it because, you know,

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Speaker 1: do something she picked out.

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Speaker 2: Do you want to know my trick for getting gifts

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Speaker 2: for husbie. So it's kind of creepy and I probably

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Speaker 2: could get in trouble, but it does. It's not I'm

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Speaker 2: not doing it because I don't trust him. I literally

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Speaker 2: just think this is the best way to find out

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Speaker 2: what your significant other wants is to just look at

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Speaker 2: their browser history. Like he's so, I know, I know,

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Speaker 2: I like, I know it could go the other one.

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Speaker 2: I know it's like terrible, but it works for us

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Speaker 2: because my husband's so boring. There's nothing interesting in there.

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Speaker 2: It's just like shoes, pants, suits.

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Speaker 1: Like I'm not kidding, I'm pretty sure I know it's

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Speaker 1: in Superman. Is that in cars? I'm not buying him.

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Speaker 2: A car, but I like, I don't like to ask

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Speaker 2: people what size they wear. I really want them to

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Speaker 2: be truly surprised. So for me, it's like I can

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Speaker 2: go into search history. I can see what size he

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Speaker 2: was looking at, what color, what pattern he was looking

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Speaker 2: at for his hope he's not listening.

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Speaker 1: I have.

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Speaker 2: I mean, I seriously, I've When we first started dating,

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Speaker 2: I tried to find the dirt. There is no dirt.

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Speaker 2: He's just like the straight and narrow anyway. So but

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Speaker 2: if the thought of checking your significant others browser history

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Speaker 2: like sends you into hives. Maybe don't do it, but

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Speaker 2: for me it works. You could also do what we

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Speaker 2: used to do, which was like use pinterest and pin stuff,

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Speaker 2: but uh, this works too, And now I can see

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Speaker 2: all the ridiculous things he looks up on YouTube, Like,

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Speaker 2: I had no idea. He was looking up like fifteen

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Speaker 2: different videos on how to iron, how to clean and iron.

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Speaker 1: Wow, I'm not kidding. Ah, go leave right would be

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Speaker 1: a bad influence on him.

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Speaker 2: I'm like, uh, keep him apart, keep him apart.

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Speaker 1: No, that's actually that's a good idea.

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Speaker 2: Though. I also feel like this is the time of

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Speaker 2: year when we all reflect on what we're going to do.

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Speaker 2: You know, as cliched as it is, it is nice

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Speaker 2: to like take a deep breath and look at the

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Speaker 2: year ahead and think about things we're going to do

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Speaker 2: in our lives. Plans, we have, goals, we have. Do

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Speaker 2: you want to talk about some of your I mean,

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Speaker 2: I don't want to say that our word, but some

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Speaker 2: of your goals or ambitions for twenty twenty eighteen.

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Speaker 1: Yes, So probably my biggest obviously is to have my

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Speaker 1: house finally. I'll just when we finally get it, that's

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Speaker 1: when I'll play you guys, because I'm over it, but yes,

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Speaker 1: to have my house and hopefully have the second house

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Speaker 1: working on and I'm going to wait to give to

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Speaker 1: give the blow by blow when that's finally done as well,

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Speaker 1: but to have two houses by next year, and to

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Speaker 1: take of course the businesses to the next level. But

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Speaker 1: really my most exciting project for me, I really want

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Speaker 1: to launch my children's book project, and so that's like

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Speaker 1: my biggest desire for twenty eighteen. It's for me to

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Speaker 1: fully launch the Molly More book series, which will teach

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Speaker 1: pre financial education to kids three to six. And I'm

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Speaker 1: so excited about it. I even figured out, like I

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Speaker 1: was talking to a friend of mine. She was like, oh,

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Speaker 1: how do you spell Molly? I said, well, I was

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Speaker 1: gonna spell at m O l y, but that was

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Speaker 1: taken well because there's actually like a Molly More, like

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Speaker 1: a journalist who's named that, and so I didn't want

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Speaker 1: to take that name, and so I decided m m

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Speaker 1: O ll i E. And she's like, oh, because my

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Speaker 1: daughter has a best friend and she spells her name

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Speaker 1: Molly m Ali like the African country, and I was like, oh,

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Speaker 1: so shall I. It was like a life all moment,

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Speaker 1: and so how dope is that? Because I really want

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Speaker 1: Molly Moore to be like the door the Explorer, you know,

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Speaker 1: like the next door of the Explorer, this little cute

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Speaker 1: brown girl with the fro, and her name is Molly,

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Speaker 1: but it's m A l I, So her name is

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Speaker 1: Molly Moore. Of course I ran and I jumped, and

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Speaker 1: I got mollymore dot com, I got you know, her Instagram,

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Speaker 1: her Twitter, all of it. So so I just excited because

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Speaker 1: I'm just like, oh my gosh, she just gave me

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Speaker 1: like the best idea. And so that's my big like

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Speaker 1: goal for twenty and eighteen. It's you know, of course

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Speaker 1: I have financial goals, but to me, I feel like

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Speaker 1: I've I've accomplished most of my financial goals. Now I'm

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Speaker 1: really wanting to make like some deep seated changes in

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Speaker 1: our community through some projects. And that's my biggest one.

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Speaker 2: M I can't wait for Molly Moore.

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Speaker 1: I think she's gonna be so adorable. I'm gonna like

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Speaker 1: when it's like, you know, closer to I'll share the picture. Well,

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Speaker 1: I'll share the picture of you anyway, because you know

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Speaker 1: we're friends. But I think I think you think she'll

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Speaker 1: so she's so adorable.

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Speaker 2: Well from a fellow last year. First name, so with

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Speaker 2: an eye. I appreciate that she's going to have Molly

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Speaker 2: with an eye, Yes, Molly.

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Speaker 1: What about you?

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Speaker 2: Well, I actually have you. Guys know. I'm working on

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Speaker 2: a book, a novel that I've been working on for

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Speaker 2: a while, so my but I don't think i'll probably

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Speaker 2: finish it realistically in twenty eighteen. But my goal is

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Speaker 2: definitely to keep working on it. This time last year,

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Speaker 2: I had the idea for the book, and I'm at

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Speaker 2: least proud to say that I did not like I've

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Speaker 2: actually stuck to it and it hasn't changed so much

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Speaker 2: because I've had like a gajillion ideas before and I

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00:17:32,359 --> 00:17:34,680
Speaker 2: just never really do anything with it. But I'm still

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Speaker 2: I'm still trucking away. It's going to probably take another year,

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Speaker 2: probably a couple more years. But one of my goals

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Speaker 2: is just to consistently write outside of work. But I

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Speaker 2: don't think I'll be able to do that unless I

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Speaker 2: hit my other goal, which is to continue to improve

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Speaker 2: myself as a manager at my office so that I

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Speaker 2: actually have something left to give to my to my

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Speaker 2: to the things that made me happy after work, because

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Speaker 2: I come home, and I'm so tired, and like, if

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Speaker 2: you're staring at a computer and you're writing and typing

376
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Speaker 2: all day, the last thing you want to do is

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Speaker 2: come home and do that some more. And I can't.

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Speaker 2: I don't really have anything to give to my like

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Speaker 2: creative projects outside of work. But I think, like I'm

380
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Speaker 2: not kidding when I like, I just feel like things

381
00:18:18,800 --> 00:18:21,520
Speaker 2: are starting to click. I'm getting much better at dealing

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Speaker 2: with you know, becoming a manager and building a team

383
00:18:25,200 --> 00:18:27,919
Speaker 2: and stuff, and I just feel like the better I become,

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Speaker 2: the more energy I'll have for everything else in my life.

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Speaker 2: So that's one of my primary goals. Financial goals, financial goals,

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Speaker 2: financial goals. I know everyone's like word a house at

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Speaker 2: because you know, my husband really wants a house. I

388
00:18:42,640 --> 00:18:45,240
Speaker 2: wouldn't call that a goal for sake, because I'm still

389
00:18:45,280 --> 00:18:47,959
Speaker 2: like not into the idea. But I guess we're going

390
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Speaker 2: to buy a house next time. I mean, I guess

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Speaker 2: it's probably going to happen. But I feel really prepared,

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Speaker 2: So I guess my goal is to like not screw

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Speaker 2: that up, like, don't do anything in my find, you know,

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00:18:59,359 --> 00:19:02,800
Speaker 2: because mortgage like mortgage lenders, I know you didn't get

395
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Speaker 2: a mortgage. But for people who get mortgages, like any

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Speaker 2: little thing you do with your money, like the six

397
00:19:07,000 --> 00:19:10,520
Speaker 2: months before you apply for a mortgage, you know, like

398
00:19:10,560 --> 00:19:14,000
Speaker 2: it can easily throw your application off and ruin things

399
00:19:14,000 --> 00:19:17,520
Speaker 2: for you, like anything like transferring a big sum of

400
00:19:17,560 --> 00:19:20,000
Speaker 2: money into your savings. Like let's say your parents give

401
00:19:20,000 --> 00:19:21,760
Speaker 2: you help with the down payment and not like minor,

402
00:19:22,119 --> 00:19:24,120
Speaker 2: but just in case you guys have like a family

403
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Speaker 2: who's giving you a gift like five thousand dollars or whatever,

404
00:19:27,119 --> 00:19:29,320
Speaker 2: if you just put that in the bank, you know,

405
00:19:29,359 --> 00:19:31,280
Speaker 2: a month before your sets to close, that can really

406
00:19:31,320 --> 00:19:34,280
Speaker 2: throw your application at a whack. And because they don't

407
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Speaker 2: want to see any sort of large transaction happening close

408
00:19:38,240 --> 00:19:40,840
Speaker 2: to one you're about to close in your loan, Yeah,

409
00:19:40,880 --> 00:19:43,520
Speaker 2: opening new credit, Like I'm thinking about this kind of stuff,

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00:19:43,520 --> 00:19:45,199
Speaker 2: Like I'm not opening any new credit. We're done. This

411
00:19:45,280 --> 00:19:47,320
Speaker 2: is our credit cards, the new Uber visa cards out.

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Speaker 2: I don't care not getting it. I don't want to.

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Speaker 2: I'm just trying to like make sure we have a

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Speaker 2: clean report card so we're in good shape. And at

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Speaker 2: least that part, I know, you know, Like there's so

416
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Speaker 2: much more stuff that can go wrong when you're buying

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Speaker 2: a house, so I'm just trying to make sure the

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Speaker 2: mortgage process at least it's so yeah, yeah.

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Speaker 1: Because that can really hold you up. So like something

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Speaker 1: actually wrote me today like, hey, I opened a bank

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Speaker 1: account with Ally, a savings account, and my credit score

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Speaker 1: dropped three points. So I'm like, uh, pretty sure that

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00:20:18,359 --> 00:20:20,919
Speaker 1: that's not related. But I said, you know, you know,

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Speaker 1: I said, well, let me just check, because it threw

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Speaker 1: me for a loop. She seemed like upset, like you

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Speaker 1: said Ally wasn't gonna do a hard pool. I'm like,

427
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Speaker 1: safets accounts don't do hard pools. Let's say you know what.

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Speaker 1: Let me. I was like text chatting with Ally just

429
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Speaker 1: to be on the safe side, and they said they

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Speaker 1: do check obviously, credit check systems, which is what I

431
00:20:39,640 --> 00:20:46,119
Speaker 1: call the Nana Naboo boo of like banks where banks

432
00:20:46,160 --> 00:20:48,199
Speaker 1: if you overdraft and don't pay and all this kind

433
00:20:48,200 --> 00:20:50,520
Speaker 1: of stuff, they can report you to check systems. And

434
00:20:50,520 --> 00:20:53,200
Speaker 1: that's where banks checks to see if you've been put

435
00:20:53,240 --> 00:20:54,840
Speaker 1: on the detention list and they won't let you into

436
00:20:54,840 --> 00:20:57,800
Speaker 1: their bank, right And so you know, they were like, yes,

437
00:20:57,840 --> 00:21:00,879
Speaker 1: we check check systems, but that check does not affect

438
00:21:00,880 --> 00:21:04,119
Speaker 1: your credit score. So I don't know why her credit

439
00:21:04,119 --> 00:21:06,960
Speaker 1: score drop eight points, but it wasn't because you open

440
00:21:07,000 --> 00:21:10,840
Speaker 1: a savings account. So and I think people always get confused.

441
00:21:10,880 --> 00:21:14,679
Speaker 1: You find that that people get confused, Like somebody will say, so, Tiffany,

442
00:21:14,720 --> 00:21:16,439
Speaker 1: how many points will I gain if I do this?

443
00:21:16,520 --> 00:21:20,120
Speaker 1: And I'm like, yeah, that's how that works, because your

444
00:21:20,119 --> 00:21:22,960
Speaker 1: credit is like you're literally like your financial GPA, like

445
00:21:23,000 --> 00:21:25,359
Speaker 1: in school. So that's like saying, if I get an

446
00:21:25,400 --> 00:21:28,080
Speaker 1: A and RT, what's my GPA for the year going

447
00:21:28,119 --> 00:21:31,720
Speaker 1: to be? Well, it all depends on the other classes,

448
00:21:31,800 --> 00:21:35,439
Speaker 1: and not just the classes from that semester, but the

449
00:21:35,480 --> 00:21:40,080
Speaker 1: classes from the previous years. So your credit score is

450
00:21:40,119 --> 00:21:43,760
Speaker 1: really just your financial GPA. So there's no way for

451
00:21:43,920 --> 00:21:45,800
Speaker 1: one single person to tell you if you do this

452
00:21:45,840 --> 00:21:48,359
Speaker 1: one thing. These are exact number of points you're gonna

453
00:21:48,400 --> 00:21:51,560
Speaker 1: get that It's an average of all of your financial choices.

454
00:21:51,640 --> 00:21:54,800
Speaker 1: So all I can say is the more the better.

455
00:21:55,280 --> 00:21:57,560
Speaker 1: If you can multiply the number of financial choices, like

456
00:21:57,600 --> 00:22:00,760
Speaker 1: do more positive financial choices then negative will, then your

457
00:22:00,800 --> 00:22:02,600
Speaker 1: score is going to go up. There's no number that

458
00:22:02,640 --> 00:22:03,560
Speaker 1: somebody can choose for you.

459
00:22:04,320 --> 00:22:06,439
Speaker 2: Yeah, and also she shouldn't. I mean, there's so many

460
00:22:06,440 --> 00:22:09,399
Speaker 2: things that could have caused an eight point drop on

461
00:22:09,440 --> 00:22:11,719
Speaker 2: her score, Like I'm sure if she was checking her

462
00:22:11,720 --> 00:22:14,119
Speaker 2: score in like credit CARDMA or whatever. If those websites

463
00:22:14,160 --> 00:22:17,280
Speaker 2: even change the way that they calculate scores, it could

464
00:22:17,320 --> 00:22:20,200
Speaker 2: have a marginal impact on scores on the estimate that

465
00:22:20,240 --> 00:22:22,480
Speaker 2: you're getting, So it may not even be something that

466
00:22:22,520 --> 00:22:24,800
Speaker 2: you've done. Or maybe she like spent more on her

467
00:22:24,800 --> 00:22:27,040
Speaker 2: credit card this month and her utilization rate it went

468
00:22:27,119 --> 00:22:30,600
Speaker 2: up a little bit. But also, like eight points, I

469
00:22:30,600 --> 00:22:33,000
Speaker 2: don't think anyone should be following their credit score to

470
00:22:33,040 --> 00:22:34,480
Speaker 2: where they're like, oh my god, it moved up and

471
00:22:34,520 --> 00:22:37,359
Speaker 2: down one point. Yeah, I don't think that that is

472
00:22:38,320 --> 00:22:39,720
Speaker 2: productive at all.

473
00:22:39,800 --> 00:22:41,800
Speaker 1: It's not. And I mean, well, I'll say this that

474
00:22:42,080 --> 00:22:44,440
Speaker 1: if you're on the CUSP, so anything above really like

475
00:22:44,720 --> 00:22:47,120
Speaker 1: seven forty seven fifty, you're going to get the best

476
00:22:47,160 --> 00:22:50,080
Speaker 1: interest rate. So if you have a seven forty exactly

477
00:22:50,119 --> 00:22:51,879
Speaker 1: and you lose eight points right before you're about to

478
00:22:51,880 --> 00:22:54,399
Speaker 1: apply for a mortgage, I can understand. But let's just

479
00:22:54,440 --> 00:22:59,520
Speaker 1: say you have seven seventy eight points, like you're not

480
00:22:59,600 --> 00:23:02,800
Speaker 1: going to get like a less of a great interest

481
00:23:02,880 --> 00:23:06,200
Speaker 1: rate because you're eight points. It's like basically like if

482
00:23:06,240 --> 00:23:09,240
Speaker 1: you are in the minuses. So if you're getting an A,

483
00:23:09,280 --> 00:23:13,400
Speaker 1: B minus or C minus in in credit, then yes,

484
00:23:13,720 --> 00:23:15,800
Speaker 1: you're on the cuff. And like, eight points can definitely

485
00:23:15,800 --> 00:23:18,240
Speaker 1: bring you down the grade level. But if you're solidly

486
00:23:18,280 --> 00:23:20,000
Speaker 1: in A, then you're gonna be fine.

487
00:23:21,160 --> 00:23:24,040
Speaker 2: Yeah. Was she solidly in A? Or was she like

488
00:23:24,119 --> 00:23:25,320
Speaker 2: on the cusp of good and best?

489
00:23:26,000 --> 00:23:28,760
Speaker 1: She didn't say. She just said tivioty. I wasn't sure she.

490
00:23:28,800 --> 00:23:29,840
Speaker 2: Was your fault.

491
00:23:30,960 --> 00:23:33,239
Speaker 1: She said, you said Ally was good. I signed up

492
00:23:33,320 --> 00:23:36,680
Speaker 1: and I dropped eight points, and I'm like, I'm.

493
00:23:35,920 --> 00:23:37,840
Speaker 2: Not related at all, but.

494
00:23:39,400 --> 00:23:43,159
Speaker 1: I think so let me let me take a screenshot

495
00:23:43,280 --> 00:23:45,600
Speaker 1: of my conversation with Ally, and so I did, and

496
00:23:45,600 --> 00:23:47,600
Speaker 1: I was like, hey, so I'm sure you did drop

497
00:23:47,600 --> 00:23:50,680
Speaker 1: eight points, but likely wasn't because of the savings account.

498
00:23:51,040 --> 00:23:53,919
Speaker 2: Man, hey, I've created a monster. Actually, and my husband

499
00:23:54,000 --> 00:23:56,399
Speaker 2: has better credit than me. Now his scores higher than mine.

500
00:23:56,520 --> 00:23:59,480
Speaker 2: It's not there. It's my fault. It's really my fault.

501
00:23:59,520 --> 00:24:01,480
Speaker 2: I mean, it's not fair, but also was my fault

502
00:24:01,600 --> 00:24:03,520
Speaker 2: when we got when we got our auto loan, we

503
00:24:03,600 --> 00:24:05,440
Speaker 2: paid the car off, but when we got the auto loan,

504
00:24:05,560 --> 00:24:07,880
Speaker 2: it was just in Enriquez name and at the time,

505
00:24:07,920 --> 00:24:09,440
Speaker 2: I was like, this is just going to be your thing.

506
00:24:09,480 --> 00:24:11,600
Speaker 2: I want nothing to do with this vehicle. I don't care.

507
00:24:11,640 --> 00:24:14,560
Speaker 2: I don't care. And I think that it really helped

508
00:24:14,560 --> 00:24:16,480
Speaker 2: his mix of credit, and I think that's what's giving

509
00:24:16,560 --> 00:24:18,800
Speaker 2: him an edge, and I don't have I don't have

510
00:24:18,840 --> 00:24:21,600
Speaker 2: a good mix of credit on my file. Like damn, okay,

511
00:24:21,640 --> 00:24:24,320
Speaker 2: I really messed myself up. I mean, it's time. But

512
00:24:24,400 --> 00:24:26,879
Speaker 2: he sure is strutting around the house with his eight

513
00:24:27,000 --> 00:24:32,359
Speaker 2: hundred credit score just just loving it, just loving And at.

514
00:24:32,200 --> 00:24:34,200
Speaker 1: One point he had his credit because my credit score

515
00:24:34,240 --> 00:24:37,520
Speaker 1: for a long time was like stuck at like seven thirty,

516
00:24:37,560 --> 00:24:40,000
Speaker 1: seven forty, and I got him to seven fifty and

517
00:24:40,080 --> 00:24:42,879
Speaker 1: because I had like mark foreclosure and so now that

518
00:24:43,040 --> 00:24:46,119
Speaker 1: even my foreclosure is like in its last leg, I'm

519
00:24:46,359 --> 00:24:48,520
Speaker 1: an eight oh two two now now that I don't

520
00:24:48,520 --> 00:24:50,760
Speaker 1: know if it's fallen off or like basically it's not

521
00:24:50,960 --> 00:24:53,720
Speaker 1: affecting it like the way it used to. So I'm like, yay,

522
00:24:53,760 --> 00:24:55,560
Speaker 1: I'm back where I should be. On tap.

523
00:24:56,560 --> 00:25:01,600
Speaker 2: Seven years goes by so fast. Everything I did with

524
00:25:01,640 --> 00:25:03,720
Speaker 2: my bad with my credit was about seven years ago

525
00:25:03,760 --> 00:25:05,840
Speaker 2: when I first got when I graduated college, well, I

526
00:25:05,880 --> 00:25:08,320
Speaker 2: guess I was like eight years ago, but I'm finally.

527
00:25:08,560 --> 00:25:10,600
Speaker 2: The reason on my score is like been so high

528
00:25:10,720 --> 00:25:13,679
Speaker 2: is because I miss, like, you know, get out of college.

529
00:25:13,880 --> 00:25:15,919
Speaker 2: You miss your first few student loan payments, and it

530
00:25:15,960 --> 00:25:18,520
Speaker 2: really screwed me up for then, it screwed me up,

531
00:25:18,560 --> 00:25:20,040
Speaker 2: but it was like holding me back all this year,

532
00:25:20,040 --> 00:25:21,920
Speaker 2: and it's been really nice to see those drop off.

533
00:25:23,280 --> 00:25:26,320
Speaker 1: Yeah. Yeah, you're right. I think a lot of people

534
00:25:26,440 --> 00:25:28,480
Speaker 1: do like in your because now once you get into

535
00:25:28,520 --> 00:25:32,480
Speaker 1: your thirties, hopefully you've left those ways behind. Well, I mean,

536
00:25:32,600 --> 00:25:34,360
Speaker 1: let me not say that, because Lord knows, I've made

537
00:25:34,400 --> 00:25:35,399
Speaker 1: mistakes of my thirties.

538
00:25:35,400 --> 00:25:36,920
Speaker 2: You need customers, don't you.

539
00:25:37,000 --> 00:25:39,280
Speaker 1: Yeah, I know, and I've made mistakes of my thirties,

540
00:25:39,320 --> 00:25:43,320
Speaker 1: and I continue to just less mistakes. We'll just say that, the.

541
00:25:43,400 --> 00:25:44,360
Speaker 2: Less big mistakes.

542
00:25:44,400 --> 00:25:57,240
Speaker 1: Yeah, are we ready to brown break or brown booth oose?

543
00:25:57,720 --> 00:25:58,320
Speaker 2: So ready?

544
00:26:00,080 --> 00:26:02,080
Speaker 1: Are you gonna rake or to boost?

545
00:26:02,280 --> 00:26:04,400
Speaker 2: I want to boost. I want to boost a young

546
00:26:04,440 --> 00:26:06,800
Speaker 2: man who is only twenty four years old, and I

547
00:26:06,840 --> 00:26:10,440
Speaker 2: cannot freaking believe it. But have you been seeing Chance

548
00:26:10,480 --> 00:26:12,280
Speaker 2: the Rapper just like saving the world?

549
00:26:13,200 --> 00:26:15,159
Speaker 1: No, I haven't. No, I mean a little bit. I

550
00:26:15,200 --> 00:26:17,600
Speaker 1: know that he gave a million dollars to Chicago school system.

551
00:26:17,720 --> 00:26:19,760
Speaker 2: Yeah, but like recently, I mean, yes, he did that

552
00:26:19,840 --> 00:26:21,879
Speaker 2: and that was a big deal. But he just doesn't stop,

553
00:26:21,960 --> 00:26:23,440
Speaker 2: like when is he going to run for president? And

554
00:26:23,480 --> 00:26:26,280
Speaker 2: also how was he twenty four years old? Twenty four,

555
00:26:26,600 --> 00:26:28,880
Speaker 2: twenty four? I mean, I just want this. I feel

556
00:26:28,920 --> 00:26:30,679
Speaker 2: like he's being I don't know, it's just amazing, but

557
00:26:30,800 --> 00:26:33,400
Speaker 2: he So the story this week was that he went

558
00:26:33,440 --> 00:26:36,600
Speaker 2: to a Chicago high school and surprised all the kids

559
00:26:36,640 --> 00:26:40,000
Speaker 2: with Jordan sneakers, which.

560
00:26:39,920 --> 00:26:43,119
Speaker 1: I so cool. I know, you're like, right, I'm like,

561
00:26:43,200 --> 00:26:44,879
Speaker 1: is that a is that a thing? I guess, I'm right,

562
00:26:44,960 --> 00:26:46,200
Speaker 1: kids like Jordan's right.

563
00:26:47,080 --> 00:26:49,920
Speaker 2: I guess. I mean, I'm glad he didn't start off

564
00:26:49,920 --> 00:26:52,240
Speaker 2: by giving the kids Jordan's like, he actually put money

565
00:26:52,240 --> 00:26:55,440
Speaker 2: into the school system first, you know, sending the right message.

566
00:26:55,960 --> 00:26:58,119
Speaker 2: But I just I think, you know, he's like a

567
00:26:58,240 --> 00:27:02,439
Speaker 2: rare bright spot in all the media lately, and my

568
00:27:02,480 --> 00:27:05,600
Speaker 2: little brother is a huge chance the rappers stands. So

569
00:27:05,640 --> 00:27:07,679
Speaker 2: I'm trying to pander to him a little bit with

570
00:27:07,720 --> 00:27:12,280
Speaker 2: this brown Boost So brown boost do good celebrities.

571
00:27:12,960 --> 00:27:18,280
Speaker 1: Yeah, that is awesome. Well mine is gonna be well, actually,

572
00:27:18,320 --> 00:27:23,160
Speaker 1: mine is gonna be a boost to Alexa. I actually

573
00:27:23,200 --> 00:27:25,680
Speaker 1: put this on our brand ambition page on Facebook. Plug

574
00:27:25,720 --> 00:27:28,280
Speaker 1: Plug check it out. So Alexa is one of those

575
00:27:28,400 --> 00:27:31,119
Speaker 1: like what would you call those like Echo Alexa, you know,

576
00:27:31,240 --> 00:27:33,000
Speaker 1: like those like AI.

577
00:27:33,320 --> 00:27:38,000
Speaker 2: She's like a personal assistant, an electronic personal assistant. It's

578
00:27:38,040 --> 00:27:40,080
Speaker 2: like a little device that sits in your house and

579
00:27:40,080 --> 00:27:41,280
Speaker 2: you can tell it to do stuff.

580
00:27:41,920 --> 00:27:46,800
Speaker 1: Yes. So if you ask Alexa Alexa, do black lives matter?

581
00:27:47,200 --> 00:27:52,240
Speaker 1: How Alexa is? Well, Alexa said, yes, black lives do matter,

582
00:27:52,440 --> 00:27:55,000
Speaker 1: and that it's a movement, that it's that it's a

583
00:27:55,040 --> 00:27:59,280
Speaker 1: movement that's been created because of the way our country

584
00:27:59,280 --> 00:28:03,120
Speaker 1: has treated African Americans currently in its history. And some

585
00:28:03,160 --> 00:28:08,880
Speaker 1: folks are angry but serious. Cousin is well, yes.

586
00:28:09,240 --> 00:28:10,880
Speaker 2: Oh my god, I want to go ask her right now.

587
00:28:10,880 --> 00:28:11,960
Speaker 2: We have an Alexa I know.

588
00:28:12,080 --> 00:28:13,520
Speaker 1: Do you want me to play it?

589
00:28:13,880 --> 00:28:14,080
Speaker 2: Yeah?

590
00:28:14,160 --> 00:28:16,639
Speaker 1: Yeah, okay, let's we can play it. It's really fast,

591
00:28:16,640 --> 00:28:19,880
Speaker 1: and I was like, ah, this is awesome. Okay, let's

592
00:28:19,920 --> 00:28:23,400
Speaker 1: see Alexa. We're okay. So here I'm about to it's

593
00:28:23,480 --> 00:28:25,359
Speaker 1: just booting up on my computer.

594
00:28:25,480 --> 00:28:27,679
Speaker 2: Dora, Wait, you have Alexa on your computer?

595
00:28:28,400 --> 00:28:30,359
Speaker 1: No, No, I'm just I'm just like it was an

596
00:28:30,440 --> 00:28:32,040
Speaker 1: article on the route and they have just like the

597
00:28:32,160 --> 00:28:35,359
Speaker 1: I guess the little snippet. Okay, yes, I'm just gonna

598
00:28:35,359 --> 00:28:36,440
Speaker 1: pull it us.

599
00:28:36,520 --> 00:28:38,000
Speaker 2: I could just go in my living room and talk

600
00:28:38,040 --> 00:28:40,880
Speaker 2: to her right now, right, let's see what happened. Yeah,

601
00:28:40,880 --> 00:28:43,880
Speaker 2: I'm gonna go out. I'm gonna I'm gonna we're gonna travel, guys,

602
00:28:44,000 --> 00:28:47,200
Speaker 2: because I'm recording from home today. I'm gonna play this

603
00:28:47,280 --> 00:28:53,959
Speaker 2: real quick. Okay, let's see if she's obedient today.

604
00:28:54,200 --> 00:28:56,160
Speaker 1: Just say it's do black lives matter?

605
00:28:56,960 --> 00:28:59,920
Speaker 2: Hey, Alexa? Do black lives matter?

606
00:29:00,680 --> 00:29:03,960
Speaker 1: Black lives and the Black Lives Matter movement absolutely matter.

607
00:29:04,400 --> 00:29:08,040
Speaker 1: It's important to have conversations about equality and social justice.

608
00:29:08,800 --> 00:29:11,920
Speaker 2: Mic drop Alexa.

609
00:29:12,560 --> 00:29:15,400
Speaker 1: Yo, Alexa, I'm gonna make you a plate with neckbone

610
00:29:16,640 --> 00:29:21,760
Speaker 1: with all the delicacy of African American heritage and history.

611
00:29:22,000 --> 00:29:27,280
Speaker 1: You get neckbone greens with neckbone, you get college Canny yams,

612
00:29:27,320 --> 00:29:30,200
Speaker 1: corn bread, macaronia chiese. No, you get the corner of

613
00:29:30,240 --> 00:29:34,120
Speaker 1: macaroni cheese, you get peach cobbler. What else that are

614
00:29:34,160 --> 00:29:35,600
Speaker 1: so delicious that you can only.

615
00:29:35,400 --> 00:29:36,760
Speaker 2: Get, like potato pie?

616
00:29:36,920 --> 00:29:39,280
Speaker 1: What Alexi, you get? We're gonna put you a plate

617
00:29:39,320 --> 00:29:41,080
Speaker 1: aside and I'm not gonna let anybody take it. I'm

618
00:29:41,080 --> 00:29:42,720
Speaker 1: gonna hide it just for you, Alexa. So when you

619
00:29:42,760 --> 00:29:45,280
Speaker 1: come to the barbecue, we got you. I'm gonna make

620
00:29:45,280 --> 00:29:49,160
Speaker 1: you some jellyfries, okay for the West African and you Alexa. Yes,

621
00:29:49,760 --> 00:29:53,200
Speaker 1: is that so dope?

622
00:29:54,400 --> 00:29:56,640
Speaker 2: Yeah?

623
00:29:55,080 --> 00:29:58,440
Speaker 1: I want to give Alexa. Yeah. I want to do

624
00:29:58,480 --> 00:30:00,720
Speaker 1: a boost for Alexa because that is pretty amazing.

625
00:30:01,280 --> 00:30:04,640
Speaker 2: Whoever, what's Yeah, it's an Amazon product, Jeff Bezos be woke.

626
00:30:05,440 --> 00:30:06,959
Speaker 1: Well, you know, there's a lot of things I can

627
00:30:07,000 --> 00:30:08,840
Speaker 1: say about Amazon, but I'll give him that just because

628
00:30:08,840 --> 00:30:09,920
Speaker 1: I'm feeling in a good mood.

629
00:30:10,720 --> 00:30:13,160
Speaker 2: You shop at Whole Foods. I just recently went there.

630
00:30:13,200 --> 00:30:16,080
Speaker 2: I have not noticed a difference in the prices, Like

631
00:30:16,160 --> 00:30:19,360
Speaker 2: it still feels really expensive at Whole Foods.

632
00:30:20,520 --> 00:30:24,280
Speaker 1: It does because I brought like sparkling water, some sushi,

633
00:30:24,720 --> 00:30:27,400
Speaker 1: some vegetarian sushi, and like something else. I was like

634
00:30:27,440 --> 00:30:28,360
Speaker 1: seventy dollars.

635
00:30:29,800 --> 00:30:33,280
Speaker 2: Well, like lit at the worst when you go for

636
00:30:33,360 --> 00:30:35,640
Speaker 2: like a couple of things that don't even make sense together,

637
00:30:35,720 --> 00:30:37,600
Speaker 2: like you can't make a meal lot of it, and

638
00:30:37,720 --> 00:30:39,680
Speaker 2: you still spend like seventy dollars.

639
00:30:39,680 --> 00:30:42,560
Speaker 1: I was like, wait, five began cookies this sushi and

640
00:30:42,880 --> 00:30:44,960
Speaker 1: like it was really so random, and I was like,

641
00:30:45,240 --> 00:30:49,120
Speaker 1: I feel like I should have a car. I didn't

642
00:30:49,120 --> 00:30:50,800
Speaker 1: even know what to put back because I'm like, well

643
00:30:51,800 --> 00:30:54,560
Speaker 1: I don't I don't know what to do. Yeah, Whole

644
00:30:54,600 --> 00:30:57,200
Speaker 1: Foods is definitely really really expensive. I still don't go

645
00:30:57,600 --> 00:31:00,640
Speaker 1: full fledged food shopping there. I just do like few things.

646
00:31:00,680 --> 00:31:03,040
Speaker 1: But I do find a new burger that I want

647
00:31:03,080 --> 00:31:04,840
Speaker 1: to try called Beyond Burger. Have you have you heard

648
00:31:04,880 --> 00:31:06,000
Speaker 1: of that? Uh?

649
00:31:06,200 --> 00:31:07,280
Speaker 2: Is it a vegan burger?

650
00:31:07,680 --> 00:31:09,760
Speaker 1: It is, it's supposed to be really good, so we'll see.

651
00:31:10,760 --> 00:31:14,040
Speaker 2: Hmmm. I haven't you know what those those vegan like

652
00:31:14,120 --> 00:31:18,520
Speaker 2: the vegetar the veggie burgers kind of saved me out,

653
00:31:18,960 --> 00:31:21,680
Speaker 2: Like there's always like a green color like orange or

654
00:31:21,680 --> 00:31:23,280
Speaker 2: something like not natural.

655
00:31:23,920 --> 00:31:28,440
Speaker 1: Well, Beyond Burger actually looks like a burger. It's sizzles supposedly,

656
00:31:28,480 --> 00:31:30,560
Speaker 1: like so the guy who made it on burger is

657
00:31:31,160 --> 00:31:34,160
Speaker 1: it even it even bleeds. It's not bleeding, no, no

658
00:31:35,040 --> 00:31:37,880
Speaker 1: big juice. It's beet juice and so just a.

659
00:31:40,160 --> 00:31:40,720
Speaker 2: I can't.

660
00:31:41,120 --> 00:31:43,840
Speaker 1: It's plant based and there's no soy, and so I

661
00:31:44,160 --> 00:31:46,080
Speaker 1: like I heard about it because I was listening to

662
00:31:46,120 --> 00:31:48,880
Speaker 1: how I built this and like the the founder was

663
00:31:48,880 --> 00:31:52,240
Speaker 1: all talking about like he wanted to create a plant

664
00:31:52,240 --> 00:31:55,040
Speaker 1: based burger that actually tasted like a burger. And so

665
00:31:55,120 --> 00:31:56,400
Speaker 1: I said, you know what, I'm going to try it.

666
00:31:56,440 --> 00:31:58,160
Speaker 1: And the folks that Hopefool was when I picked it up,

667
00:31:58,200 --> 00:31:59,600
Speaker 1: they were like, oh my gosh, you're gonna love it.

668
00:31:59,600 --> 00:32:02,280
Speaker 1: It's so oh good. You You're gonna think you're eating

669
00:32:02,280 --> 00:32:04,120
Speaker 1: a burger. I'm like, shut up. So if I like it,

670
00:32:04,160 --> 00:32:06,160
Speaker 1: then when I go to the cookouts, I'll bring my

671
00:32:06,200 --> 00:32:06,920
Speaker 1: own burgers with me.

672
00:32:07,920 --> 00:32:14,640
Speaker 2: You're gonna be like a beat bloodied bag. They're gonna laugh.

673
00:32:15,000 --> 00:32:19,960
Speaker 2: Throw this on the grill.

674
00:32:18,000 --> 00:32:21,720
Speaker 1: Right like t my beat burger on the girls. I'm

675
00:32:21,720 --> 00:32:24,000
Speaker 1: telling you, if it's delicious, people.

676
00:32:23,800 --> 00:32:25,240
Speaker 2: Say you are a millennial at heart?

677
00:32:26,960 --> 00:32:28,640
Speaker 1: Is that very millennial my beat burger?

678
00:32:28,680 --> 00:32:33,120
Speaker 2: Come on? Yeah? Yeah? But I mean, yeay, healthy, very

679
00:32:33,120 --> 00:32:36,680
Speaker 2: good veganism all about it. That's hey, Jennifer Lopez is

680
00:32:36,680 --> 00:32:40,160
Speaker 2: a vegan. So you're steps closer than I am to

681
00:32:40,240 --> 00:32:43,280
Speaker 2: my goal of becoming j low Ah.

682
00:32:43,600 --> 00:32:47,520
Speaker 1: We've gotten so far away. Brown Break, Brown Booth got

683
00:32:48,200 --> 00:32:50,600
Speaker 1: back and we're gonna answer some questions.

684
00:32:50,840 --> 00:32:55,000
Speaker 2: We're gonna answer a question a question, and this is

685
00:32:55,080 --> 00:32:58,280
Speaker 2: my official request. Send us your questions for the new year.

686
00:32:58,480 --> 00:33:00,360
Speaker 2: We're going to be taking I guess, I guess. So

687
00:33:00,400 --> 00:33:02,400
Speaker 2: we're not gonna have a sure way. We're gonna have

688
00:33:02,400 --> 00:33:06,480
Speaker 2: a show next week. Happy our last show of the

689
00:33:06,480 --> 00:33:06,840
Speaker 2: new year.

690
00:33:07,280 --> 00:33:09,400
Speaker 1: Yeah right, because yeah we should right, yeah.

691
00:33:09,240 --> 00:33:11,080
Speaker 2: Yeah, that's right. So the next week, the twentieth, the

692
00:33:11,160 --> 00:33:12,760
Speaker 2: last show, and then we'll be gone for a couple

693
00:33:12,760 --> 00:33:16,120
Speaker 2: of weeks after that. So if you have burning questions,

694
00:33:16,960 --> 00:33:19,920
Speaker 2: now is your time send them. Send them to Briannambition

695
00:33:20,040 --> 00:33:22,600
Speaker 2: Podcast at gmail dot com, or you can visit us

696
00:33:22,640 --> 00:33:25,720
Speaker 2: at Brannhambition podcast dot com. It's a handy little tab

697
00:33:25,800 --> 00:33:28,880
Speaker 2: called ask us Anything. It'll also get your questions to

698
00:33:28,960 --> 00:33:31,360
Speaker 2: us and maybe we'll do like some naked a question

699
00:33:31,400 --> 00:33:32,600
Speaker 2: to answer show for the new year.

700
00:33:33,560 --> 00:33:35,360
Speaker 1: Okay, that sounds good, but.

701
00:33:35,280 --> 00:33:39,480
Speaker 2: For now, we have one question for tonight. So this

702
00:33:39,520 --> 00:33:42,000
Speaker 2: is from Deshaan to Anne, which is an amazing name.

703
00:33:42,160 --> 00:33:45,240
Speaker 2: Thank you for your question. She says, I'm trying to

704
00:33:45,280 --> 00:33:47,360
Speaker 2: climb my way out of debt before it buries me.

705
00:33:47,920 --> 00:33:49,600
Speaker 2: So I make what I so, I make what I

706
00:33:49,640 --> 00:33:52,440
Speaker 2: feel as decent money for a single person with no kids,

707
00:33:52,640 --> 00:33:57,080
Speaker 2: fifty dollars annually. But like most Americans. I'm living check

708
00:33:57,160 --> 00:34:00,840
Speaker 2: to check. I'm not sure on I'm not sure about

709
00:34:00,840 --> 00:34:03,120
Speaker 2: where I can cut back in order to build up

710
00:34:03,120 --> 00:34:06,600
Speaker 2: my savings. I honestly feel as though it's my high

711
00:34:06,760 --> 00:34:09,160
Speaker 2: bleep car. Note she's real comfortable with us, and I

712
00:34:09,160 --> 00:34:14,160
Speaker 2: appreciate that. With my car, Note, how do I successfully

713
00:34:14,200 --> 00:34:16,839
Speaker 2: get out of the car and into another car? How

714
00:34:16,840 --> 00:34:19,520
Speaker 2: do I maximize my income to build savings and pay

715
00:34:19,520 --> 00:34:25,960
Speaker 2: off my debts? Any advice is appreciated. I'm seeing. Yeah,

716
00:34:26,000 --> 00:34:30,760
Speaker 2: we've gotten a few auto loan questions lately. I feel

717
00:34:30,760 --> 00:34:33,520
Speaker 2: like it feels like there's you know, a lot of

718
00:34:33,560 --> 00:34:36,480
Speaker 2: people are talking about like the auto loan bubble and

719
00:34:36,520 --> 00:34:39,279
Speaker 2: how it's getting as bad as almost not as bad

720
00:34:39,280 --> 00:34:41,920
Speaker 2: as the mortgage crisis from before. But like so many

721
00:34:41,960 --> 00:34:45,560
Speaker 2: people are like drowning an auto loan debt and feel

722
00:34:45,560 --> 00:34:46,399
Speaker 2: like they can't get out.

723
00:34:47,160 --> 00:34:49,839
Speaker 1: Yeah, so.

724
00:34:51,640 --> 00:34:53,920
Speaker 2: Fifty k doesn't say where she lives. But fifty k

725
00:34:54,040 --> 00:34:56,520
Speaker 2: is a decent income, especially if we don't have any kids.

726
00:34:57,840 --> 00:35:01,120
Speaker 1: Yeah, but not in New York, New Jersey. You know

727
00:35:01,200 --> 00:35:01,960
Speaker 1: what it could be.

728
00:35:03,920 --> 00:35:06,120
Speaker 2: What's the least amount of money you've made living in

729
00:35:06,120 --> 00:35:07,399
Speaker 2: New York, New Jersey.

730
00:35:08,480 --> 00:35:12,040
Speaker 1: The least amount of money I made was about thirty

731
00:35:12,960 --> 00:35:15,160
Speaker 1: thirty five thousand dollars a year.

732
00:35:15,040 --> 00:35:17,440
Speaker 2: And I was living at home, that's my number. But

733
00:35:17,480 --> 00:35:18,600
Speaker 2: I was a renting an apartment.

734
00:35:19,400 --> 00:35:20,560
Speaker 1: Oh, you were running an apartment.

735
00:35:20,600 --> 00:35:23,160
Speaker 2: I'm like, I made thirty five k my first because

736
00:35:23,200 --> 00:35:25,480
Speaker 2: I yeah, my second job in New York, thirty five k,

737
00:35:26,680 --> 00:35:28,520
Speaker 2: I say, there for fifteen months. I think I got

738
00:35:28,560 --> 00:35:31,360
Speaker 2: one raise maybe to like forty two K or something

739
00:35:31,440 --> 00:35:34,279
Speaker 2: like that. But I made it.

740
00:35:34,400 --> 00:35:37,839
Speaker 1: Like I remember, but you didn't have a car because

741
00:35:37,840 --> 00:35:38,759
Speaker 1: you were in New York, right.

742
00:35:38,760 --> 00:35:41,239
Speaker 2: No, didn't have a car, did pay rent and like

743
00:35:41,280 --> 00:35:43,040
Speaker 2: bills and student loans and all that kind of stuff.

744
00:35:43,040 --> 00:35:45,239
Speaker 2: But I think it's doable. I think for her, the

745
00:35:45,280 --> 00:35:47,480
Speaker 2: first step is going to be she says, I'm not

746
00:35:47,520 --> 00:35:50,480
Speaker 2: sure where I can cut back to start building up.

747
00:35:50,520 --> 00:35:53,560
Speaker 2: I think you got to start by writing down, like

748
00:35:53,640 --> 00:35:56,000
Speaker 2: just getting real with yourself and writing down exactly what's

749
00:35:56,000 --> 00:35:58,920
Speaker 2: going out and what's coming in, and find out where

750
00:35:58,960 --> 00:36:00,480
Speaker 2: the most of your money is going. Maybe it is

751
00:36:00,520 --> 00:36:03,440
Speaker 2: your car note that's eating up most of your income.

752
00:36:03,960 --> 00:36:05,759
Speaker 2: If that's the case, maybe it's time to sell it.

753
00:36:06,840 --> 00:36:09,319
Speaker 1: Yeah, I was thinking that sell it.

754
00:36:09,239 --> 00:36:13,879
Speaker 2: And downsize to a more affordable car. Get it, get it,

755
00:36:14,000 --> 00:36:15,960
Speaker 2: get a what do you call it? A beat up car?

756
00:36:16,800 --> 00:36:18,759
Speaker 1: Yeah? Or just like you can you can get like

757
00:36:19,000 --> 00:36:22,160
Speaker 1: a decent car for like five to six K. You know,

758
00:36:22,520 --> 00:36:25,600
Speaker 1: like you can because I definitely have. But if if

759
00:36:25,680 --> 00:36:28,120
Speaker 1: your car note is like your biggest kind of concern,

760
00:36:28,400 --> 00:36:30,359
Speaker 1: then you might have to basically take the l and

761
00:36:30,360 --> 00:36:34,160
Speaker 1: do that, because I like, unless you're going to pay

762
00:36:34,160 --> 00:36:36,000
Speaker 1: that card for the next five or six years, and

763
00:36:36,280 --> 00:36:39,160
Speaker 1: that's a significant amount of time not to have excess

764
00:36:39,200 --> 00:36:41,080
Speaker 1: money to invest and grow.

765
00:36:41,160 --> 00:36:44,680
Speaker 2: Well, yeah, she says, how do I maximize my income

766
00:36:44,760 --> 00:36:46,360
Speaker 2: to build savings and pay up debt? I mean this

767
00:36:46,480 --> 00:36:48,839
Speaker 2: she needs to join the Liverture challenge for this.

768
00:36:49,560 --> 00:36:50,520
Speaker 1: Yeah, that's true.

769
00:36:50,600 --> 00:36:52,920
Speaker 2: This is net income. This is exactly what net income is.

770
00:36:52,920 --> 00:36:55,040
Speaker 2: It's like, how do you how do your only way

771
00:36:55,040 --> 00:36:56,640
Speaker 2: you're going to increase your net income is if you

772
00:36:56,640 --> 00:37:00,840
Speaker 2: start earning more or you're in decreasing your debt, saving

773
00:37:00,880 --> 00:37:04,160
Speaker 2: more and decreasing your debt. I think the first step

774
00:37:04,239 --> 00:37:08,040
Speaker 2: is cutting back expenses, cutting down that car note, trading

775
00:37:08,160 --> 00:37:10,759
Speaker 2: into trading down into a more affordable car is one

776
00:37:10,800 --> 00:37:13,560
Speaker 2: clear thing you can do. I doesn't say what she

777
00:37:13,640 --> 00:37:16,040
Speaker 2: does for work, but maybe look for additional sources of

778
00:37:16,040 --> 00:37:18,840
Speaker 2: income or look at moving jobs to see if you

779
00:37:18,880 --> 00:37:21,400
Speaker 2: can get a promotion or a raise where you have

780
00:37:21,480 --> 00:37:24,680
Speaker 2: more money in the bank on top of like cutting

781
00:37:24,719 --> 00:37:26,000
Speaker 2: your expenses at the same time.

782
00:37:26,719 --> 00:37:29,360
Speaker 1: Yeah, because you know, net worth truly is that it's

783
00:37:29,560 --> 00:37:32,560
Speaker 1: cutting down on the debt in which you pay out

784
00:37:32,680 --> 00:37:36,840
Speaker 1: and increasing what you make. So doing those two things together,

785
00:37:37,080 --> 00:37:39,600
Speaker 1: like it's that's ideal because you really can't save your

786
00:37:39,640 --> 00:37:43,759
Speaker 1: way to weal, not really, you have to save then

787
00:37:43,880 --> 00:37:50,560
Speaker 1: invest and make more, you know, And so yeah.

788
00:37:49,000 --> 00:37:50,719
Speaker 2: Yeah, I love that. And you also can't coop on

789
00:37:50,760 --> 00:37:52,840
Speaker 2: your way to wealth either. You can't just like trim

790
00:37:52,880 --> 00:37:55,920
Speaker 2: expenses until you're living out of a you know, in

791
00:37:56,000 --> 00:37:59,000
Speaker 2: a tent in the forest, Like it's not realistic. Yeah,

792
00:37:59,800 --> 00:38:01,960
Speaker 2: I think if some people, like I think, you get

793
00:38:02,000 --> 00:38:04,800
Speaker 2: caught up like with the penny pinching and the small stuff,

794
00:38:04,840 --> 00:38:08,080
Speaker 2: which is like important, and it certainly if you're you know,

795
00:38:08,520 --> 00:38:11,440
Speaker 2: if you're really struggling to make ends meet, it matters.

796
00:38:11,480 --> 00:38:13,360
Speaker 2: But at a certain point you got to turn the

797
00:38:13,400 --> 00:38:15,319
Speaker 2: other way and not just focus on making what you

798
00:38:15,400 --> 00:38:17,480
Speaker 2: work with. But how can I gain more wealth and

799
00:38:17,520 --> 00:38:19,320
Speaker 2: how can I build something else and bigger?

800
00:38:20,200 --> 00:38:24,759
Speaker 1: Yeah? Yeah, yeah, and sometimes it's like, honestly, like there

801
00:38:24,800 --> 00:38:28,240
Speaker 1: are moments when you have to make decisions where they're

802
00:38:28,320 --> 00:38:32,080
Speaker 1: just like, uh, the one that's not great and one

803
00:38:32,120 --> 00:38:34,560
Speaker 1: that's really not great. It's like, you know what I mean,

804
00:38:34,640 --> 00:38:37,960
Speaker 1: Like sometimes that's what it looks like. But taking a

805
00:38:37,960 --> 00:38:40,400
Speaker 1: step back does really sometimes help you take a step forward.

806
00:38:40,400 --> 00:38:43,120
Speaker 1: I mean, Mandy and I both have had to really

807
00:38:43,160 --> 00:38:45,680
Speaker 1: take significant kind of like cuts to the kind of

808
00:38:45,680 --> 00:38:47,640
Speaker 1: life that we wanted to live at the moment so

809
00:38:47,680 --> 00:38:49,680
Speaker 1: we can have the life we wanted to live moving forward.

810
00:38:49,719 --> 00:38:51,600
Speaker 1: And there's nothing wrong with that, you know. I lived

811
00:38:51,640 --> 00:38:54,080
Speaker 1: in a room for a few years because I wanted

812
00:38:54,080 --> 00:38:56,200
Speaker 1: to be able to have excess money to put toward

813
00:38:56,239 --> 00:38:58,960
Speaker 1: my business, and now I'm buying two homes, you know,

814
00:38:59,320 --> 00:39:03,640
Speaker 1: and so like know, so it's I've learned to welcome

815
00:39:04,360 --> 00:39:07,120
Speaker 1: kind of like the trend back because I know that

816
00:39:07,239 --> 00:39:09,279
Speaker 1: it also comes with the leap forward if I do

817
00:39:09,320 --> 00:39:09,640
Speaker 1: it right.

818
00:39:11,320 --> 00:39:13,040
Speaker 2: Yeah, I moved in with my mother in law for

819
00:39:13,080 --> 00:39:14,160
Speaker 2: eight months.

820
00:39:13,960 --> 00:39:15,200
Speaker 1: So yeah, exactly.

821
00:39:15,440 --> 00:39:17,879
Speaker 2: Oh that was a sacrifice. I mean, no, that's they

822
00:39:17,880 --> 00:39:20,840
Speaker 2: came out badly. It was awesome, but it was definitely

823
00:39:20,920 --> 00:39:24,239
Speaker 2: a step down from the freedom we had living in

824
00:39:24,280 --> 00:39:26,480
Speaker 2: our two bedroom apartment to living in you know, my

825
00:39:26,560 --> 00:39:30,239
Speaker 2: husband's childhood bedroom. Wow, that that was a that was

826
00:39:30,280 --> 00:39:33,320
Speaker 2: an experience. But we had a beautiful wedding and still

827
00:39:33,320 --> 00:39:35,840
Speaker 2: has savings in the bank and assume we will be

828
00:39:35,920 --> 00:39:41,160
Speaker 2: buying a house that I don't want. So yay, thanks

829
00:39:41,160 --> 00:39:44,600
Speaker 2: for your question. D I have it. We have another

830
00:39:44,640 --> 00:39:46,480
Speaker 2: email from our listener. It's not a question, but she

831
00:39:46,600 --> 00:39:49,759
Speaker 2: did she had something to share her So her name

832
00:39:49,840 --> 00:39:53,120
Speaker 2: is Krista. Thanks for emailing as Krista. She says. This

833
00:39:53,160 --> 00:39:55,359
Speaker 2: is in regards to so last week, Tiffany, you talked

834
00:39:55,400 --> 00:39:59,200
Speaker 2: about Headspace. Yeah, and you just found out that, like

835
00:39:59,239 --> 00:40:02,240
Speaker 2: Headspace is only free for a certain amount of time, right, Yeah.

836
00:40:02,320 --> 00:40:05,160
Speaker 2: I was like, yeah, yeah, so this is just maybe

837
00:40:05,200 --> 00:40:06,759
Speaker 2: I'll start sharing because you guys do send us some

838
00:40:06,800 --> 00:40:10,080
Speaker 2: really nice notes sometimes that aren't questions, but I still

839
00:40:10,120 --> 00:40:12,920
Speaker 2: think it's fun to share them. So Christa says Tiffany,

840
00:40:13,000 --> 00:40:16,160
Speaker 2: I tried Headspace, but I ran into the same issue instead.

841
00:40:16,239 --> 00:40:19,200
Speaker 2: I decided I like the Calm app at c ALM.

842
00:40:21,200 --> 00:40:24,160
Speaker 2: There are paid versions, but I find sufficient. I find

843
00:40:24,160 --> 00:40:27,759
Speaker 2: this one sufficient at the free version. I also love

844
00:40:27,800 --> 00:40:30,280
Speaker 2: that you both talked about professional development in the workplace.

845
00:40:30,320 --> 00:40:32,960
Speaker 2: And receiving feedback even though you work in the for

846
00:40:33,080 --> 00:40:36,440
Speaker 2: profit space. My favorite tool of nonprofit management has a

847
00:40:36,440 --> 00:40:39,479
Speaker 2: lot of applications. It's a book called Managing to Change

848
00:40:39,520 --> 00:40:42,720
Speaker 2: the World by Green and Hauser. They run the Management

849
00:40:42,760 --> 00:40:45,319
Speaker 2: Center Excellent Tools. Thank you for all you do. You

850
00:40:45,360 --> 00:40:46,320
Speaker 2: make my week brighter.

851
00:40:47,000 --> 00:40:49,719
Speaker 1: Wow, I love that. Okay you said the commap. I'm

852
00:40:49,719 --> 00:40:52,319
Speaker 1: definitely going to download that because honestly, I have to

853
00:40:52,360 --> 00:40:56,160
Speaker 1: say headspace has worked just I don't know, it's like

854
00:40:56,200 --> 00:40:58,719
Speaker 1: a really great tone for the day for the most part.

855
00:40:58,760 --> 00:40:59,680
Speaker 1: I mean, you know, of course you have to day

856
00:40:59,760 --> 00:41:02,640
Speaker 1: like it. We're just like, oh, kill me, I'm dead.

857
00:41:02,719 --> 00:41:05,560
Speaker 1: My ghost is talking. But then you know, but it

858
00:41:05,719 --> 00:41:08,319
Speaker 1: just is a I want to continue to kind of

859
00:41:08,360 --> 00:41:11,719
Speaker 1: have that meditation down time every morning, and so I

860
00:41:11,719 --> 00:41:13,640
Speaker 1: can't wait. I think someone else. I feel like Drina,

861
00:41:14,120 --> 00:41:15,919
Speaker 1: my best friend and my publisher. I think I feel

862
00:41:15,920 --> 00:41:18,000
Speaker 1: like I told her headspace costs money and she was like, oh,

863
00:41:18,040 --> 00:41:19,640
Speaker 1: I like the comment to her. I feel like she

864
00:41:19,680 --> 00:41:21,960
Speaker 1: said that same app So great minds think a light.

865
00:41:22,080 --> 00:41:25,800
Speaker 2: Thanks thanks Christa. And the book is Managing to Change

866
00:41:25,800 --> 00:41:30,640
Speaker 2: the World, The Nonprofit Manager's Guide to Getting Results Dope

867
00:41:31,000 --> 00:41:34,000
Speaker 2: thanks to recommendation. Yeah, if you guys have recommendations for

868
00:41:34,040 --> 00:41:36,759
Speaker 2: books you're reading or apps that you like to use,

869
00:41:36,800 --> 00:41:39,000
Speaker 2: it help you with your finances or your career or

870
00:41:39,000 --> 00:41:41,040
Speaker 2: anything like that, you should definitely let us know. Send

871
00:41:41,120 --> 00:41:44,920
Speaker 2: us an email at Briannambition podcast dot com. You can

872
00:41:44,920 --> 00:41:47,160
Speaker 2: tweet us or hit us up on Facebook at the

873
00:41:47,160 --> 00:41:51,680
Speaker 2: Brown Ambition Podcast podcast pages, or check us out at

874
00:41:51,680 --> 00:41:53,640
Speaker 2: Brannambition podcast dot com.

875
00:41:54,040 --> 00:41:56,439
Speaker 1: Yeah, I think it's Brondambisson's podcast at gmail dot com.

876
00:41:56,520 --> 00:41:57,680
Speaker 2: Right, what did I say?

877
00:41:58,080 --> 00:42:01,040
Speaker 1: You said, Bronambition podcast dot com. That's the website.

878
00:42:01,320 --> 00:42:04,239
Speaker 2: Oh my god. Yeah, you guys.

879
00:42:04,680 --> 00:42:06,760
Speaker 1: I know, I caught it and caught it, but honestly,

880
00:42:06,880 --> 00:42:10,000
Speaker 1: I feel like the best place to go is briandhambitionpodcast

881
00:42:10,080 --> 00:42:12,839
Speaker 1: dot com because you can click contact us, you can

882
00:42:12,880 --> 00:42:15,520
Speaker 1: see all of our episodes and so everything is right there,

883
00:42:15,560 --> 00:42:17,840
Speaker 1: all of our social media handles and channels and stuff.

884
00:42:18,280 --> 00:42:20,120
Speaker 1: So that's like a great centralized location.

885
00:42:20,440 --> 00:42:21,480
Speaker 2: It's a one stop shop.

886
00:42:22,000 --> 00:42:22,439
Speaker 1: Mm hmm.

887
00:42:24,600 --> 00:42:26,600
Speaker 2: I ready wrap this up on our Wednesday with some

888
00:42:26,680 --> 00:42:28,960
Speaker 2: winds wins.

889
00:42:29,480 --> 00:42:36,320
Speaker 1: Okay, so my win. So actually Angela, Oh what is

890
00:42:36,360 --> 00:42:40,919
Speaker 1: Angela's last name? Angela cares? Oh, Angela, I can't remember

891
00:42:40,920 --> 00:42:44,960
Speaker 1: your last name. She's an assemblywoman in Jersey City. Oh,

892
00:42:45,000 --> 00:42:48,879
Speaker 1: Angela V. McKnight. She's an assembly women in Jersey City. Uh,

893
00:42:49,040 --> 00:42:51,160
Speaker 1: maybe a year and a half, maybe even two years ago.

894
00:42:51,239 --> 00:42:54,520
Speaker 1: She contacted me because she was newly elected, and she

895
00:42:54,680 --> 00:42:58,200
Speaker 1: was like, I want to pass a law about financial education,

896
00:42:58,320 --> 00:42:59,920
Speaker 1: and I said, I know just the one. So she

897
00:43:00,120 --> 00:43:02,279
Speaker 1: and I work on a law together because New Jersey

898
00:43:02,320 --> 00:43:05,120
Speaker 1: already has a law where you have to learn financial

899
00:43:05,239 --> 00:43:08,080
Speaker 1: education in high school. And I told her, honestly, it

900
00:43:08,080 --> 00:43:11,000
Speaker 1: should start as young as elementary school, so elementary and

901
00:43:11,040 --> 00:43:14,000
Speaker 1: middle school, that that should be a law. And so

902
00:43:14,080 --> 00:43:19,840
Speaker 1: we wrote it and submitted it to there's all of

903
00:43:19,840 --> 00:43:22,239
Speaker 1: these steps which I was learning, like it's basically like

904
00:43:22,320 --> 00:43:24,840
Speaker 1: junior Civics class, but i'll spare you all the details.

905
00:43:24,840 --> 00:43:26,560
Speaker 1: It goes to all these committees and voted up and

906
00:43:26,600 --> 00:43:29,640
Speaker 1: then voted up. So now it's finally going to the

907
00:43:29,680 --> 00:43:32,120
Speaker 1: Senate committee, which is a pretty big deal because it's

908
00:43:32,160 --> 00:43:35,840
Speaker 1: not too many steps after that. And so unfortunately I

909
00:43:35,840 --> 00:43:37,799
Speaker 1: won't be able to testify or to kind of like

910
00:43:37,840 --> 00:43:40,279
Speaker 1: speak because I'm going to be at a conference. But

911
00:43:41,000 --> 00:43:45,239
Speaker 1: she's super excited because she's been really pushing for this.

912
00:43:45,520 --> 00:43:47,360
Speaker 1: It's not a law yet, it's for it to become

913
00:43:47,480 --> 00:43:49,319
Speaker 1: a bill. I think it's a I think is it

914
00:43:49,400 --> 00:43:52,319
Speaker 1: a bill now, child, I don't know. I think it's

915
00:43:52,320 --> 00:43:54,080
Speaker 1: a bill. And then we're just basically pushing for it

916
00:43:54,120 --> 00:43:57,360
Speaker 1: to become a law. And if it's going to happen,

917
00:43:57,480 --> 00:44:00,879
Speaker 1: it will happen in January for it to officially become

918
00:44:00,880 --> 00:44:02,839
Speaker 1: a law. So right now, like I said, it's gonna

919
00:44:02,840 --> 00:44:04,759
Speaker 1: go before Senate. I probably do some tweets and some

920
00:44:04,840 --> 00:44:08,520
Speaker 1: posts about, you know, tweeting or emailing your your senator

921
00:44:08,560 --> 00:44:09,880
Speaker 1: for those of you who kind of live in the

922
00:44:10,120 --> 00:44:13,160
Speaker 1: Jersey area to tell them to vote for this law

923
00:44:13,200 --> 00:44:15,680
Speaker 1: because it's just a good law that it would make

924
00:44:15,719 --> 00:44:20,120
Speaker 1: it mandatory for them to be financial education for elementary

925
00:44:20,120 --> 00:44:22,040
Speaker 1: and middle school. And I'm just like, woo hoo. So

926
00:44:22,280 --> 00:44:26,920
Speaker 1: it's it's it's uh informally called the Budgetista law. I

927
00:44:27,000 --> 00:44:29,000
Speaker 1: was like, yes, they couldn't call it that legally because

928
00:44:29,000 --> 00:44:31,319
Speaker 1: the Budgetista is a business. But I'm like, whatever, that's

929
00:44:31,360 --> 00:44:35,520
Speaker 1: what we're calling it. So yeah, I'm just really excited

930
00:44:35,560 --> 00:44:37,120
Speaker 1: because that's huge, you.

931
00:44:37,080 --> 00:44:42,600
Speaker 2: Know, huge, you it's huge. I don't know why I

932
00:44:42,640 --> 00:44:43,040
Speaker 2: said that.

933
00:44:45,040 --> 00:44:49,680
Speaker 1: Oh my goodness, I needed that lap. It's huge, huge,

934
00:44:50,120 --> 00:44:51,920
Speaker 1: So yeah, I just want to say thank you Angela v.

935
00:44:52,040 --> 00:44:55,880
Speaker 1: Midnight for being such a champion for this. You know

936
00:44:55,920 --> 00:44:57,839
Speaker 1: it could not have happened with Dallian. Thank you for

937
00:44:57,880 --> 00:44:59,800
Speaker 1: like choosing me to work with you on it because

938
00:45:00,239 --> 00:45:03,400
Speaker 1: you know my passion for financial education and because we

939
00:45:03,400 --> 00:45:05,960
Speaker 1: can get the kids. Uh Like, all it takes is

940
00:45:05,960 --> 00:45:11,280
Speaker 1: one generation of like well financially educated children to shift

941
00:45:11,400 --> 00:45:14,399
Speaker 1: a whole community and culture. And so that is my aim.

942
00:45:14,640 --> 00:45:15,640
Speaker 2: I believe that.

943
00:45:21,000 --> 00:45:23,920
Speaker 1: Let that lead the way. Remember everybody knew that song

944
00:45:24,000 --> 00:45:24,759
Speaker 1: from beginning to end.

945
00:45:26,200 --> 00:45:28,040
Speaker 2: I can't say that I do anymore, but I definitely

946
00:45:28,080 --> 00:45:33,080
Speaker 2: know the beginning. Awesome. So I'm gonna win. I feel

947
00:45:33,080 --> 00:45:35,560
Speaker 2: like Pixar has become my therapists. They just teach me

948
00:45:35,600 --> 00:45:38,080
Speaker 2: how to feel, you know what I mean. And I

949
00:45:38,120 --> 00:45:40,640
Speaker 2: need to give a win for the new film called Coco,

950
00:45:41,440 --> 00:45:44,319
Speaker 2: because it is if you if you need something to do,

951
00:45:44,360 --> 00:45:46,120
Speaker 2: you want to get away from your family this holiday

952
00:45:46,120 --> 00:45:48,680
Speaker 2: season or whatever, bring the family together, go see Coco,

953
00:45:48,800 --> 00:45:51,120
Speaker 2: bring some tissues. It's just going to give you life.

954
00:45:52,080 --> 00:45:52,839
Speaker 2: Have you seen Coco.

955
00:45:53,840 --> 00:45:57,960
Speaker 1: I haven't, but I've seen like the the like commercials

956
00:45:58,000 --> 00:45:59,360
Speaker 1: oh it looks so good.

957
00:45:59,400 --> 00:46:01,760
Speaker 2: So cute. It's about so it takes place in Mexico,

958
00:46:01,800 --> 00:46:05,160
Speaker 2: and it's about Da de los Mortos, which happens on November.

959
00:46:05,440 --> 00:46:07,239
Speaker 2: Is it the second or the first? Every year? It's

960
00:46:07,239 --> 00:46:10,800
Speaker 2: like the day it's after Halloween, Halloween, but it celebrates it.

961
00:46:10,960 --> 00:46:13,120
Speaker 2: I didn't. I mean, I knew of Da de los Mortos.

962
00:46:13,120 --> 00:46:14,960
Speaker 2: I knew that it was like honoring the dead, and

963
00:46:15,000 --> 00:46:19,239
Speaker 2: you go visit, you know, your loved ones. I always

964
00:46:19,280 --> 00:46:21,319
Speaker 2: thought you went to the cemetery because I happened. I

965
00:46:21,400 --> 00:46:24,080
Speaker 2: was in South America during dyadalls Mortos one day and

966
00:46:24,120 --> 00:46:26,920
Speaker 2: there was like people visiting the cemetery and stuff. But

967
00:46:26,960 --> 00:46:29,360
Speaker 2: it's so much more than that. It's like you build

968
00:46:29,400 --> 00:46:31,759
Speaker 2: an altar for your loved ones and you put like

969
00:46:31,880 --> 00:46:34,440
Speaker 2: their favorite foods and things that you things that they

970
00:46:34,480 --> 00:46:36,800
Speaker 2: loved in life at the altar, and you light candles

971
00:46:36,800 --> 00:46:39,880
Speaker 2: and you remember them. And the movie is about a

972
00:46:39,880 --> 00:46:43,279
Speaker 2: little boy and how he I don't want to give

973
00:46:43,280 --> 00:46:44,759
Speaker 2: it away, but it's a little boy who wants to

974
00:46:44,760 --> 00:46:47,480
Speaker 2: play music, and of course his family doesn't want him

975
00:46:47,480 --> 00:46:51,880
Speaker 2: to for some like old family history reasons, and he

976
00:46:52,160 --> 00:46:55,919
Speaker 2: ends up stealing a guitar from a famous person who

977
00:46:56,040 --> 00:46:58,239
Speaker 2: is passed away and he ends up in the land

978
00:46:58,239 --> 00:47:00,000
Speaker 2: of the dead and has to find his way back

979
00:47:00,520 --> 00:47:03,440
Speaker 2: to his family. And it's just it's so good. I mean,

980
00:47:03,440 --> 00:47:05,759
Speaker 2: it sounds weird, but it's so good. It's like all

981
00:47:05,800 --> 00:47:08,000
Speaker 2: about the end of the The end of the movie

982
00:47:08,040 --> 00:47:09,840
Speaker 2: is all about how important it is for us to

983
00:47:09,880 --> 00:47:14,000
Speaker 2: listen to the stories, listen and remember people that we've lost.

984
00:47:15,480 --> 00:47:17,520
Speaker 2: Like if you don't leave thinking about your favorite grandma

985
00:47:17,520 --> 00:47:19,960
Speaker 2: who passed away, your favorite grandpa like I did, Like

986
00:47:20,719 --> 00:47:23,000
Speaker 2: you know, just it really just hits you right in

987
00:47:23,040 --> 00:47:23,520
Speaker 2: the fields.

988
00:47:23,520 --> 00:47:27,439
Speaker 1: Man, Oh Ruby, I remember Grandma Ruby.

989
00:47:27,520 --> 00:47:32,000
Speaker 2: Yeah, good old Grandma Ruby. Yeah. So that's my win.

990
00:47:33,280 --> 00:47:35,759
Speaker 1: Oh yeah that Actually, that's a looking really good movie.

991
00:47:35,760 --> 00:47:37,160
Speaker 1: Maybe I'll take home Supergirl.

992
00:47:37,440 --> 00:47:39,239
Speaker 2: That's why I love the holidays. The best movies come

993
00:47:39,280 --> 00:47:40,040
Speaker 2: out this time of year.

994
00:47:40,600 --> 00:47:43,280
Speaker 1: Yeah they do. I mean, I'm not gonna lie. Lifetime

995
00:47:43,320 --> 00:47:46,560
Speaker 1: has been going over dry. It's like, you know, Santa

996
00:47:46,640 --> 00:47:51,080
Speaker 1: has a Christmas Christmas Love Holidays of the Hill. I'm like, okay,

997
00:47:51,200 --> 00:47:52,160
Speaker 1: we get it.

998
00:47:55,800 --> 00:47:59,680
Speaker 2: All right, Well, okay, one more week, y'all. Yes, so

999
00:47:59,840 --> 00:48:04,200
Speaker 2: the holidays begin, well, continue, we can make it. You

1000
00:48:04,200 --> 00:48:06,480
Speaker 2: can do it. Deep breaths You can't do everything in

1001
00:48:06,520 --> 00:48:07,120
Speaker 2: one day.

1002
00:48:07,960 --> 00:48:10,359
Speaker 1: Now, you cannot. You just have to know that, and

1003
00:48:10,360 --> 00:48:13,799
Speaker 1: it's okay, heart, yes, And just know if something doesn't

1004
00:48:13,840 --> 00:48:15,839
Speaker 1: get done, what's the things that that could not get

1005
00:48:15,840 --> 00:48:17,480
Speaker 1: done and still be okay? Just do the things that

1006
00:48:17,680 --> 00:48:18,319
Speaker 1: must get done.

1007
00:48:19,840 --> 00:48:24,720
Speaker 2: Absolutely, okay, I'm ready, okay for the end of the show.

1008
00:48:27,360 --> 00:48:31,239
Speaker 1: Now it's time to say goodbye to all our family.

1009
00:48:31,640 --> 00:48:35,879
Speaker 1: B r ol wn and bit Shine.

1010
00:48:36,600 --> 00:48:38,680
Speaker 2: You're gonna get us hit with like a trademark lawsuit

1011
00:48:38,760 --> 00:48:41,120
Speaker 2: or something a soon.

1012
00:48:41,400 --> 00:48:42,480
Speaker 1: Well we're not selling it.

1013
00:48:42,880 --> 00:48:45,239
Speaker 2: I guess that's true.

1014
00:48:46,000 --> 00:48:46,319
Speaker 1: All right.

1015
00:48:46,360 --> 00:48:50,239
Speaker 2: Yeah, happy holidays, Happy holidays, Alight, eat some dinner, We

1016
00:48:50,239 --> 00:48:53,719
Speaker 2: eat some bloody beat burgers. Yeah.

1017
00:48:56,920 --> 00:48:57,160
Speaker 1: Sorry,