WEBVTT - Ep. 107 — New Year's Goals

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<v Speaker 1>Hey, hey, hey, oh the wine down. How are you feeling?

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<v Speaker 2>I'm feeling good. I can't believe next week I'm gonna

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<v Speaker 2>be leaving to visit my family for the holidays already.

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<v Speaker 2>And like Christmas is that Sunday this year? Is it

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<v Speaker 2>a Sunday or a Monday? Christmas Eves a Sunday? I think, wow, yeah,

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<v Speaker 2>it's all happening. I feel like this is like the

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<v Speaker 2>I feel like everyone out there, if you're working, this

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<v Speaker 2>is to take a deep breathed week, because it's like

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<v Speaker 2>you're looking at the calendar and you feel like you're

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<v Speaker 2>in like the you know the movie scene where like

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<v Speaker 2>the walls are pressing in on you and you're like

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<v Speaker 2>you're gonna get Like that feels like what's happening right

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<v Speaker 2>now because you're like, oh my god, I have to

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<v Speaker 2>get everything done before ye Christmas time, and I'm not

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<v Speaker 2>gonna make it. I'm gonna die. This is where I'm

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<v Speaker 2>gonna die.

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<v Speaker 1>I'm dead, yeah exactly. I feel like my ghost is

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<v Speaker 1>right here. This is my ghost. This is not my

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<v Speaker 1>real person, and this is my ghost. I'm like, I

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

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<v Speaker 1>liverature challenge, around this time. I'm like, why did I

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<v Speaker 1>choose this end of the year like again, because on

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<v Speaker 1>top of everything else, it's like people are winding down

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<v Speaker 1>and the challenge is making us wind up. You know.

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<v Speaker 2>Yeah this is and people stop instoring their email this

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<v Speaker 2>time of year. It's hard to get stuff done this

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<v Speaker 2>time of year. But I know, I said, I'm fine.

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<v Speaker 2>Maybe I'm not fine, you know what I am? I

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<v Speaker 2>am fine because I feel like that training I did

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<v Speaker 2>last week, I have literally I don't know. I've just

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<v Speaker 2>been so at peace being back at work, Like nothing's

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<v Speaker 2>really changed in terms of my workload, but my perspective

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<v Speaker 2>has shifted a little bit. I just keep reminding. I

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<v Speaker 2>just keep saying to myself, like I have internal dialogue,

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

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<v Speaker 2>not possible. You can only do a few things a day.

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<v Speaker 2>I love one of the one of the things that

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<v Speaker 2>are And for those of you who didn't listen to

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<v Speaker 2>last week's show, I was at a week long training

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<v Speaker 2>at the pointer Or Institute, which is this really renowned

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<v Speaker 2>organization that trains journalists around the country. UH with any

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<v Speaker 2>national Association of Black Journalists, but anyway, like one of

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<v Speaker 2>the things. So one of our mentors was Mizelle Stewart,

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<v Speaker 2>who runs USA Today, the entire network of one hundred newspapers,

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<v Speaker 2>and he looked at us and he was like, when

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<v Speaker 2>you get to work, you have to ask yourself, what

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<v Speaker 2>is it that only I can do when you're like

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<v Speaker 2>prioritizing your day? And I was like, that is I

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<v Speaker 2>don't know. It really clicks something in me because I

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<v Speaker 2>feel like, and especially if you're bad at delegating, you

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<v Speaker 2>get to your work, you get to the office and

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<v Speaker 2>you immediately start at least okay, I'll just talk about

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<v Speaker 2>myself here. I immediately will start looking at my to

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<v Speaker 2>do list, and I'm doing a bunch of stuff for

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<v Speaker 2>other people and helping other people or doing things that

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<v Speaker 2>other people on the team could be doing on their own.

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<v Speaker 2>And I'm like pushing, I'm putting off things that only

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<v Speaker 2>I could be doing that are like more high level

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<v Speaker 2>because I'm like getting stuck on the small stuff that

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<v Speaker 2>I should be delegating. And when he said that, I

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<v Speaker 2>literally I got to work yesterday, what today is Tuesday?

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<v Speaker 2>Yesterday and today? And I was like, what can only

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<v Speaker 2>I do? And it really has helped me be less

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<v Speaker 2>frazzled at work, Like instead of getting to the office

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<v Speaker 2>and editing and editing all the stories that I have

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<v Speaker 2>a managing editor to help me with, I focused on

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<v Speaker 2>big level things like higher and we have two open

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<v Speaker 2>positions right now, and I really need to like get

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<v Speaker 2>through resumes and get interview set up, and I focus

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<v Speaker 2>on doing that first instead of the little shit that

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<v Speaker 2>I would do in the morning, you know, like the

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<v Speaker 2>small stuff. And I just like, just by flipping my

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<v Speaker 2>day around, I just felt less like harassed and less stressed.

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<v Speaker 2>And I'm like, dang, that was that. That whole week

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<v Speaker 2>just changed my entire like mentality around how I'm working.

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<v Speaker 2>And I'm really really excited for to like start rolling

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<v Speaker 2>out some changes at the office slowly so they don't

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<v Speaker 2>get overwhelmed.

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

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<v Speaker 1>but it's no.

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

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<v Speaker 2>what you what you're not going to do is get

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<v Speaker 2>there and start spreading the gospel right away. They're going

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<v Speaker 2>to think you're like a zealot, but we're like, we're

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<v Speaker 2>talking the people who did the thing and were like strategizing.

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<v Speaker 2>So on the first day, I'm only going to do

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<v Speaker 2>this like today, I just brought it. I bought a

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<v Speaker 2>massive point SETA because her office is so white and

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<v Speaker 2>so stark, and I'm always like complaining about it, so

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<v Speaker 2>drabbing here, and I'm like, why don't I just do

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<v Speaker 2>something about it? And I bought this massive point SETA

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

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

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<v Speaker 2>Little they know there's more coming.

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<v Speaker 1>Are really are really pretty. I love point settus cool.

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<v Speaker 1>Just they just they just add like a nice little

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<v Speaker 1>holiday touch. So I you know, I spoke at that

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<v Speaker 1>that women's conference, the Massachusetts Wmen's Conference is one of

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<v Speaker 1>the largest conferences in the in the nation, and everybody

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<v Speaker 1>was like, how Mayby, I said, Hi, I love my ambition.

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<v Speaker 1>I'm like what. It was so awesome. Honestly, it was

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<v Speaker 1>so awesome how many women there listening to brown ambition?

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<v Speaker 1>Because I just feel like I'm talking to you, And

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<v Speaker 1>I was like, what you listen? They're like every week

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<v Speaker 1>or like, people just reiterating the things that like, you know,

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<v Speaker 1>we shared like and then tell many I said this,

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<v Speaker 1>and don't worry about your surgery and did you get

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

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<v Speaker 2>That's so nice to hear.

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<v Speaker 1>Yeah, that was really awesome. I mean like honestly a

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<v Speaker 1>bunch of women. I really was like, Wow, we really

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<v Speaker 1>got some listeners out there.

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<v Speaker 2>One of the guys that came that was in the

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<v Speaker 2>same training as us, he was like he was so quiet,

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<v Speaker 2>and then I finally sat at his table and he

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<v Speaker 2>was like, Mandy, I love Brown Ambition. I was like,

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<v Speaker 2>who are you, Marshall?

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<v Speaker 1>What a Jamal another.

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

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

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<v Speaker 1>Wow. You just never know, like, yeah, I just love

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<v Speaker 1>that when people come up to me and say that.

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<v Speaker 1>I'm just like, so do the more, because you know,

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<v Speaker 1>it makes such feel good to know that we're out

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<v Speaker 1>here in these streets and people are listening and appreciating.

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<v Speaker 2>Yeah. So you've got the Liverature Challenge coming up.

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<v Speaker 1>Yes, this is I'm really excited because I really try

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<v Speaker 1>to listen to what people from the previous challenge today

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<v Speaker 1>because we always ask survey questions like you know, what

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<v Speaker 1>did you like well, didn't you, like, what do you

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<v Speaker 1>want to learn? And it seemed like the theme for

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<v Speaker 1>Dreamcatchers for twenty seventeen was really like make more money,

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<v Speaker 1>side hustle, that kind of thing, and so I kind

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<v Speaker 1>of decided that I was going to elevate that to

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<v Speaker 1>net Worth. So this is a net Worth edition.

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<v Speaker 2>And this is the challenge third or fourth year.

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

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<v Speaker 1>And so the challenge is free like it always is,

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<v Speaker 1>and it's three weeks of daily tasks delivered to you

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<v Speaker 1>via your email. It should be up hopefully by the

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<v Speaker 1>time this is live at LRC for liverat or Challenge

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<v Speaker 1>Networth dot com, So LRC network dot com. It starts

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<v Speaker 1>live January first, So you sign up, you'll get like

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<v Speaker 1>a confirmation email, then like a survey to like a

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<v Speaker 1>registration survey to fill out, and then starting January first,

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<v Speaker 1>we will all be getting the same emails together every

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<v Speaker 1>morning and we'll work through all of the tasks. If

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

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<v Speaker 1>the task will lead you to like a plan toward

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<v Speaker 1>having a stronger network. So networth is less debt, more assets,

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<v Speaker 1>and so that's what I want for you for twenty eighteen.

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<v Speaker 2>Fabulous. I might need to get on this challenge this

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<v Speaker 2>year might be my challenge.

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<v Speaker 1>I'm so excited about it, and so I told myself

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<v Speaker 1>because it is such a beast, I don't think people

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

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<v Speaker 1>scrambling to get things together in time. But I decided that,

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<v Speaker 1>so I'll do five challenges, So this will be the

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<v Speaker 1>second to last one. I'll do the fifth one, and

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<v Speaker 1>then what I'll do is we'll just we'll revamp the

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<v Speaker 1>first one and do them in order again, so we'll

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<v Speaker 1>still do them every year, but I'm not going to

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

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<v Speaker 1>I love doing it because it's free, and like I said,

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<v Speaker 1>I continue to do it, but the it is so

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<v Speaker 1>labor intense, like it's just nothing like it and I'm like,

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<v Speaker 1>all right, like I feel like passing out right now. Yeah,

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<v Speaker 1>So I just said, you know what, one more challenge

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

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<v Speaker 1>then the Savings Edition and the Credit edition, the net

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<v Speaker 1>Worth and whatever the fifth one will be and we'll

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

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<v Speaker 1>so we can continue to serve, but in a way

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<v Speaker 1>that doesn't like kill me personally.

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<v Speaker 2>What do you get for completing all five challenges? Ooh?

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<v Speaker 1>Why you should get something? You should get like some

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<v Speaker 1>sort of gold star thing.

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<v Speaker 2>You should get a little badge like in brownies.

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<v Speaker 1>Yeah, you should. That should be dope. But I have

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<v Speaker 1>to figure that.

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<v Speaker 2>Out, Like, yeah, one more thing for you to do.

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<v Speaker 2>Figure that out.

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<v Speaker 1>You know when people tell you that, they'll say like

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<v Speaker 1>stuff like, oh, tivity real quick, and I'm like, uh,

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<v Speaker 1>there's no such thing. It's real quick because I have

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

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<v Speaker 1>and then somehow get back you know. So yeah, I mean,

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<v Speaker 1>such his life.

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

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<v Speaker 2>Lrcnetworth dot com mm hmm holla. What else is happening

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<v Speaker 2>in the world.

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<v Speaker 1>I don't know. I'm not even gonna lie. I have

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<v Speaker 1>not been like on like social media too much. I

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<v Speaker 1>know the New Year's coming now.

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<v Speaker 2>Yeah, the holidays are coming. I can't Yeah, I've I

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<v Speaker 2>kept I talked a big game about not wanting to

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<v Speaker 2>do gifts and I do this, I might do this

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<v Speaker 2>every year, like I should know myself by now, like

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<v Speaker 2>Christmas is stupid. It's not about gift giving. Why are

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<v Speaker 2>we doing this? And then I'm like, oh oh, but

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<v Speaker 2>I like this for that person, and I like this

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<v Speaker 2>for this person, and I just love giving gifts. I

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<v Speaker 2>can't stop, like throughout the year even I just love

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<v Speaker 2>sending stuff to people. I mean, I'm not going to

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<v Speaker 2>go crazy, but my family we did decide we're going

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<v Speaker 2>to do white Elephant instead of everyone gets a gift.

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<v Speaker 2>Because we're like adults now and nobody has kids. It

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<v Speaker 2>feels kind of silly to get your adult siblings something

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<v Speaker 2>for nothing. Do you know White Elephant.

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<v Speaker 1>Yeah, that's like when everybody gets like a general gift

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<v Speaker 1>and then you kind of like pick from it.

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<v Speaker 2>Right, Yeah, it's really fun. Well, it's like white Elephant

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<v Speaker 2>or Yankee Swap, and it's where everybody brings a gift,

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<v Speaker 2>and it's like you want the gift to be kind

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

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<v Speaker 2>don't do what my little brother did in Christmas of

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<v Speaker 2>two thousand and nine when he brought laundry detergent balls

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<v Speaker 2>as a gift like did not fail. That failed that

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<v Speaker 2>everyone Christmas. Everyone was like I've never seen my mom

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<v Speaker 2>was so mad. They got in the biggest fight. So

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<v Speaker 2>bring a good gift. Yeah yeah, but then you like

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<v Speaker 2>draw numbers and then you you pick the gifts in

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<v Speaker 2>order and you can steal from each other and it's

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<v Speaker 2>like really fun.

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<v Speaker 1>Oh that's why I think I've seen that part. But

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<v Speaker 1>I still honestly that link that you gave me draw

0:10:55.040 --> 0:10:57.080
<v Speaker 1>names dot com it's still bay. It is like the

0:10:57.120 --> 0:11:00.600
<v Speaker 1>best thing awesome. So my sisters and idly love it.

0:11:00.640 --> 0:11:03.280
<v Speaker 1>So I have my person even though. So the fun

0:11:03.280 --> 0:11:06.720
<v Speaker 1>thing about draw names one it's free and two because

0:11:06.920 --> 0:11:09.480
<v Speaker 1>like where it's just the five of us, So I

0:11:09.520 --> 0:11:13.080
<v Speaker 1>can go in and be like same list as last year.

0:11:13.320 --> 0:11:15.199
<v Speaker 1>And the only rule is like that you can set

0:11:15.200 --> 0:11:17.640
<v Speaker 1>the rule. The rule is I cannot get the same

0:11:17.640 --> 0:11:19.640
<v Speaker 1>person I got last year. So when we used to

0:11:19.640 --> 0:11:21.600
<v Speaker 1>like we used to literally meet up for Thanksgiving and

0:11:21.640 --> 0:11:24.120
<v Speaker 1>pull names from a from a hat, but then you

0:11:24.280 --> 0:11:28.520
<v Speaker 1>might still get the same person again, you know. Yeah,

0:11:28.559 --> 0:11:31.559
<v Speaker 1>and you know so with this no, you know, you

0:11:31.880 --> 0:11:34.840
<v Speaker 1>definitely don't get the same person and they get to update.

0:11:34.880 --> 0:11:36.959
<v Speaker 1>Like so for example, the system that I have. Apparently

0:11:37.000 --> 0:11:39.320
<v Speaker 1>every day she decided something new that she wants. So

0:11:39.360 --> 0:11:41.480
<v Speaker 1>every time they update their list of what they want,

0:11:41.600 --> 0:11:44.120
<v Speaker 1>you get an email. I'm like, really, dude, oh.

0:11:43.960 --> 0:11:45.520
<v Speaker 2>You can put a list of things that you want

0:11:45.520 --> 0:11:45.880
<v Speaker 2>on there.

0:11:46.280 --> 0:11:48.360
<v Speaker 1>Yeah, so you can put like your your you could

0:11:48.400 --> 0:11:53.040
<v Speaker 1>put like your what is it called. You're like, so

0:11:53.120 --> 0:11:56.040
<v Speaker 1>first you put your budget and then you're like, oh,

0:11:56.120 --> 0:11:57.840
<v Speaker 1>you know, I have whatever amount of money, you know,

0:11:57.880 --> 0:11:59.800
<v Speaker 1>fifty I think we did fifty dollars for our budget.

0:12:00.520 --> 0:12:04.520
<v Speaker 1>And then I said, you can, you know, write down

0:12:04.600 --> 0:12:06.400
<v Speaker 1>three to five things that you want you want like

0:12:06.400 --> 0:12:08.240
<v Speaker 1>that would be within that budget. And like, I feel

0:12:08.240 --> 0:12:11.040
<v Speaker 1>like every day it's like it'll send me a message

0:12:11.080 --> 0:12:16.480
<v Speaker 1>like hey, your secret sad person updated they're giftless. I'm like, really,

0:12:17.200 --> 0:12:20.920
<v Speaker 1>I'm like, decide one thing. So hopefully she's yeah, she's

0:12:20.960 --> 0:12:22.600
<v Speaker 1>picked out what she wanted. But honestly, I just love

0:12:22.640 --> 0:12:25.040
<v Speaker 1>it because it makes it easier. I'm just gonna hopefully.

0:12:25.080 --> 0:12:27.000
<v Speaker 1>I think I'll try to order something today from Amazon

0:12:27.120 --> 0:12:29.640
<v Speaker 1>for her, and I think she'll love it because, you know,

0:12:30.480 --> 0:12:31.600
<v Speaker 1>do something she picked out.

0:12:31.800 --> 0:12:33.840
<v Speaker 2>Do you want to know my trick for getting gifts

0:12:33.840 --> 0:12:37.480
<v Speaker 2>for husbie. So it's kind of creepy and I probably

0:12:37.520 --> 0:12:39.880
<v Speaker 2>could get in trouble, but it does. It's not I'm

0:12:39.920 --> 0:12:42.160
<v Speaker 2>not doing it because I don't trust him. I literally

0:12:42.200 --> 0:12:44.040
<v Speaker 2>just think this is the best way to find out

0:12:44.080 --> 0:12:47.440
<v Speaker 2>what your significant other wants is to just look at

0:12:47.440 --> 0:12:51.720
<v Speaker 2>their browser history. Like he's so, I know, I know,

0:12:51.880 --> 0:12:57.240
<v Speaker 2>I like, I know it could go the other one.

0:12:58.400 --> 0:13:01.120
<v Speaker 2>I know it's like terrible, but it works for us

0:13:01.200 --> 0:13:04.240
<v Speaker 2>because my husband's so boring. There's nothing interesting in there.

0:13:04.240 --> 0:13:07.959
<v Speaker 2>It's just like shoes, pants, suits.

0:13:07.440 --> 0:13:11.199
<v Speaker 1>Like I'm not kidding, I'm pretty sure I know it's

0:13:11.200 --> 0:13:15.560
<v Speaker 1>in Superman. Is that in cars? I'm not buying him.

0:13:15.440 --> 0:13:17.960
<v Speaker 2>A car, but I like, I don't like to ask

0:13:17.960 --> 0:13:19.760
<v Speaker 2>people what size they wear. I really want them to

0:13:19.760 --> 0:13:21.600
<v Speaker 2>be truly surprised. So for me, it's like I can

0:13:21.640 --> 0:13:23.480
<v Speaker 2>go into search history. I can see what size he

0:13:23.559 --> 0:13:26.360
<v Speaker 2>was looking at, what color, what pattern he was looking

0:13:26.360 --> 0:13:28.160
<v Speaker 2>at for his hope he's not listening.

0:13:29.600 --> 0:13:29.760
<v Speaker 1>I have.

0:13:29.920 --> 0:13:32.640
<v Speaker 2>I mean, I seriously, I've When we first started dating,

0:13:32.679 --> 0:13:34.280
<v Speaker 2>I tried to find the dirt. There is no dirt.

0:13:34.400 --> 0:13:37.000
<v Speaker 2>He's just like the straight and narrow anyway. So but

0:13:37.040 --> 0:13:40.600
<v Speaker 2>if the thought of checking your significant others browser history

0:13:40.679 --> 0:13:43.480
<v Speaker 2>like sends you into hives. Maybe don't do it, but

0:13:43.520 --> 0:13:45.080
<v Speaker 2>for me it works. You could also do what we

0:13:45.160 --> 0:13:47.480
<v Speaker 2>used to do, which was like use pinterest and pin stuff,

0:13:47.960 --> 0:13:50.559
<v Speaker 2>but uh, this works too, And now I can see

0:13:50.600 --> 0:13:53.920
<v Speaker 2>all the ridiculous things he looks up on YouTube, Like,

0:13:54.440 --> 0:13:56.720
<v Speaker 2>I had no idea. He was looking up like fifteen

0:13:56.720 --> 0:13:59.120
<v Speaker 2>different videos on how to iron, how to clean and iron.

0:14:00.280 --> 0:14:05.920
<v Speaker 1>Wow, I'm not kidding. Ah, go leave right would be

0:14:05.960 --> 0:14:07.120
<v Speaker 1>a bad influence on him.

0:14:07.200 --> 0:14:10.319
<v Speaker 2>I'm like, uh, keep him apart, keep him apart.

0:14:13.080 --> 0:14:14.520
<v Speaker 1>No, that's actually that's a good idea.

0:14:14.559 --> 0:14:16.640
<v Speaker 2>Though. I also feel like this is the time of

0:14:16.720 --> 0:14:19.480
<v Speaker 2>year when we all reflect on what we're going to do.

0:14:19.760 --> 0:14:21.560
<v Speaker 2>You know, as cliched as it is, it is nice

0:14:21.600 --> 0:14:22.960
<v Speaker 2>to like take a deep breath and look at the

0:14:23.000 --> 0:14:25.400
<v Speaker 2>year ahead and think about things we're going to do

0:14:25.480 --> 0:14:28.760
<v Speaker 2>in our lives. Plans, we have, goals, we have. Do

0:14:28.800 --> 0:14:30.960
<v Speaker 2>you want to talk about some of your I mean,

0:14:31.040 --> 0:14:32.920
<v Speaker 2>I don't want to say that our word, but some

0:14:32.960 --> 0:14:35.840
<v Speaker 2>of your goals or ambitions for twenty twenty eighteen.

0:14:37.120 --> 0:14:42.280
<v Speaker 1>Yes, So probably my biggest obviously is to have my

0:14:42.400 --> 0:14:45.120
<v Speaker 1>house finally. I'll just when we finally get it, that's

0:14:45.120 --> 0:14:47.960
<v Speaker 1>when I'll play you guys, because I'm over it, but yes,

0:14:48.040 --> 0:14:49.960
<v Speaker 1>to have my house and hopefully have the second house

0:14:50.840 --> 0:14:52.600
<v Speaker 1>working on and I'm going to wait to give to

0:14:52.600 --> 0:14:54.680
<v Speaker 1>give the blow by blow when that's finally done as well,

0:14:54.720 --> 0:15:00.080
<v Speaker 1>but to have two houses by next year, and to

0:15:00.320 --> 0:15:02.240
<v Speaker 1>take of course the businesses to the next level. But

0:15:02.280 --> 0:15:05.680
<v Speaker 1>really my most exciting project for me, I really want

0:15:06.480 --> 0:15:11.520
<v Speaker 1>to launch my children's book project, and so that's like

0:15:11.600 --> 0:15:15.480
<v Speaker 1>my biggest desire for twenty eighteen. It's for me to

0:15:15.560 --> 0:15:19.920
<v Speaker 1>fully launch the Molly More book series, which will teach

0:15:19.960 --> 0:15:23.680
<v Speaker 1>pre financial education to kids three to six. And I'm

0:15:23.760 --> 0:15:27.480
<v Speaker 1>so excited about it. I even figured out, like I

0:15:27.520 --> 0:15:29.760
<v Speaker 1>was talking to a friend of mine. She was like, oh,

0:15:29.800 --> 0:15:31.840
<v Speaker 1>how do you spell Molly? I said, well, I was

0:15:31.880 --> 0:15:34.280
<v Speaker 1>gonna spell at m O l y, but that was

0:15:34.320 --> 0:15:36.560
<v Speaker 1>taken well because there's actually like a Molly More, like

0:15:36.600 --> 0:15:40.800
<v Speaker 1>a journalist who's named that, and so I didn't want

0:15:40.800 --> 0:15:42.920
<v Speaker 1>to take that name, and so I decided m m

0:15:42.960 --> 0:15:45.080
<v Speaker 1>O ll i E. And she's like, oh, because my

0:15:45.160 --> 0:15:47.680
<v Speaker 1>daughter has a best friend and she spells her name

0:15:47.720 --> 0:15:51.200
<v Speaker 1>Molly m Ali like the African country, and I was like, oh,

0:15:52.880 --> 0:15:55.240
<v Speaker 1>so shall I. It was like a life all moment,

0:15:56.560 --> 0:15:58.480
<v Speaker 1>and so how dope is that? Because I really want

0:15:58.520 --> 0:16:01.520
<v Speaker 1>Molly Moore to be like the door the Explorer, you know,

0:16:01.720 --> 0:16:03.760
<v Speaker 1>like the next door of the Explorer, this little cute

0:16:03.800 --> 0:16:06.720
<v Speaker 1>brown girl with the fro, and her name is Molly,

0:16:06.800 --> 0:16:08.520
<v Speaker 1>but it's m A l I, So her name is

0:16:08.560 --> 0:16:10.760
<v Speaker 1>Molly Moore. Of course I ran and I jumped, and

0:16:10.800 --> 0:16:14.960
<v Speaker 1>I got mollymore dot com, I got you know, her Instagram,

0:16:15.120 --> 0:16:19.960
<v Speaker 1>her Twitter, all of it. So so I just excited because

0:16:19.960 --> 0:16:21.440
<v Speaker 1>I'm just like, oh my gosh, she just gave me

0:16:21.520 --> 0:16:24.840
<v Speaker 1>like the best idea. And so that's my big like

0:16:25.200 --> 0:16:29.440
<v Speaker 1>goal for twenty and eighteen. It's you know, of course

0:16:29.480 --> 0:16:31.560
<v Speaker 1>I have financial goals, but to me, I feel like

0:16:31.640 --> 0:16:36.000
<v Speaker 1>I've I've accomplished most of my financial goals. Now I'm

0:16:36.000 --> 0:16:39.280
<v Speaker 1>really wanting to make like some deep seated changes in

0:16:39.320 --> 0:16:41.600
<v Speaker 1>our community through some projects. And that's my biggest one.

0:16:42.400 --> 0:16:43.720
<v Speaker 2>M I can't wait for Molly Moore.

0:16:44.440 --> 0:16:46.320
<v Speaker 1>I think she's gonna be so adorable. I'm gonna like

0:16:46.320 --> 0:16:49.000
<v Speaker 1>when it's like, you know, closer to I'll share the picture. Well,

0:16:49.000 --> 0:16:50.600
<v Speaker 1>I'll share the picture of you anyway, because you know

0:16:50.600 --> 0:16:54.960
<v Speaker 1>we're friends. But I think I think you think she'll

0:16:55.000 --> 0:16:56.560
<v Speaker 1>so she's so adorable.

0:16:57.240 --> 0:17:00.080
<v Speaker 2>Well from a fellow last year. First name, so with

0:17:00.120 --> 0:17:03.120
<v Speaker 2>an eye. I appreciate that she's going to have Molly

0:17:03.120 --> 0:17:06.879
<v Speaker 2>with an eye, Yes, Molly.

0:17:08.520 --> 0:17:09.160
<v Speaker 1>What about you?

0:17:10.080 --> 0:17:12.480
<v Speaker 2>Well, I actually have you. Guys know. I'm working on

0:17:12.520 --> 0:17:14.680
<v Speaker 2>a book, a novel that I've been working on for

0:17:14.720 --> 0:17:16.520
<v Speaker 2>a while, so my but I don't think i'll probably

0:17:16.560 --> 0:17:19.000
<v Speaker 2>finish it realistically in twenty eighteen. But my goal is

0:17:19.040 --> 0:17:21.520
<v Speaker 2>definitely to keep working on it. This time last year,

0:17:21.560 --> 0:17:23.479
<v Speaker 2>I had the idea for the book, and I'm at

0:17:23.560 --> 0:17:25.800
<v Speaker 2>least proud to say that I did not like I've

0:17:25.840 --> 0:17:28.680
<v Speaker 2>actually stuck to it and it hasn't changed so much

0:17:28.720 --> 0:17:32.240
<v Speaker 2>because I've had like a gajillion ideas before and I

0:17:32.359 --> 0:17:34.680
<v Speaker 2>just never really do anything with it. But I'm still

0:17:34.720 --> 0:17:38.440
<v Speaker 2>I'm still trucking away. It's going to probably take another year,

0:17:38.680 --> 0:17:41.560
<v Speaker 2>probably a couple more years. But one of my goals

0:17:41.600 --> 0:17:46.439
<v Speaker 2>is just to consistently write outside of work. But I

0:17:46.480 --> 0:17:48.320
<v Speaker 2>don't think I'll be able to do that unless I

0:17:48.359 --> 0:17:51.840
<v Speaker 2>hit my other goal, which is to continue to improve

0:17:51.880 --> 0:17:54.359
<v Speaker 2>myself as a manager at my office so that I

0:17:54.400 --> 0:17:57.359
<v Speaker 2>actually have something left to give to my to my

0:17:58.240 --> 0:18:00.200
<v Speaker 2>to the things that made me happy after work, because

0:18:00.200 --> 0:18:02.639
<v Speaker 2>I come home, and I'm so tired, and like, if

0:18:02.680 --> 0:18:04.720
<v Speaker 2>you're staring at a computer and you're writing and typing

0:18:04.720 --> 0:18:06.080
<v Speaker 2>all day, the last thing you want to do is

0:18:06.119 --> 0:18:09.680
<v Speaker 2>come home and do that some more. And I can't.

0:18:09.720 --> 0:18:12.080
<v Speaker 2>I don't really have anything to give to my like

0:18:12.160 --> 0:18:16.400
<v Speaker 2>creative projects outside of work. But I think, like I'm

0:18:16.440 --> 0:18:18.800
<v Speaker 2>not kidding when I like, I just feel like things

0:18:18.800 --> 0:18:21.520
<v Speaker 2>are starting to click. I'm getting much better at dealing

0:18:21.560 --> 0:18:25.200
<v Speaker 2>with you know, becoming a manager and building a team

0:18:25.200 --> 0:18:27.919
<v Speaker 2>and stuff, and I just feel like the better I become,

0:18:28.119 --> 0:18:31.920
<v Speaker 2>the more energy I'll have for everything else in my life.

0:18:31.920 --> 0:18:37.840
<v Speaker 2>So that's one of my primary goals. Financial goals, financial goals,

0:18:37.960 --> 0:18:40.479
<v Speaker 2>financial goals. I know everyone's like word a house at

0:18:40.520 --> 0:18:42.600
<v Speaker 2>because you know, my husband really wants a house. I

0:18:42.640 --> 0:18:45.240
<v Speaker 2>wouldn't call that a goal for sake, because I'm still

0:18:45.280 --> 0:18:47.959
<v Speaker 2>like not into the idea. But I guess we're going

0:18:48.040 --> 0:18:51.680
<v Speaker 2>to buy a house next time. I mean, I guess

0:18:51.680 --> 0:18:55.080
<v Speaker 2>it's probably going to happen. But I feel really prepared,

0:18:55.119 --> 0:18:56.720
<v Speaker 2>So I guess my goal is to like not screw

0:18:56.760 --> 0:18:59.359
<v Speaker 2>that up, like, don't do anything in my find, you know,

0:18:59.359 --> 0:19:02.800
<v Speaker 2>because mortgage like mortgage lenders, I know you didn't get

0:19:02.800 --> 0:19:04.920
<v Speaker 2>a mortgage. But for people who get mortgages, like any

0:19:04.960 --> 0:19:06.960
<v Speaker 2>little thing you do with your money, like the six

0:19:07.000 --> 0:19:10.520
<v Speaker 2>months before you apply for a mortgage, you know, like

0:19:10.560 --> 0:19:14.000
<v Speaker 2>it can easily throw your application off and ruin things

0:19:14.000 --> 0:19:17.520
<v Speaker 2>for you, like anything like transferring a big sum of

0:19:17.560 --> 0:19:20.000
<v Speaker 2>money into your savings. Like let's say your parents give

0:19:20.000 --> 0:19:21.760
<v Speaker 2>you help with the down payment and not like minor,

0:19:22.119 --> 0:19:24.120
<v Speaker 2>but just in case you guys have like a family

0:19:24.160 --> 0:19:26.679
<v Speaker 2>who's giving you a gift like five thousand dollars or whatever,

0:19:27.119 --> 0:19:29.320
<v Speaker 2>if you just put that in the bank, you know,

0:19:29.359 --> 0:19:31.280
<v Speaker 2>a month before your sets to close, that can really

0:19:31.320 --> 0:19:34.280
<v Speaker 2>throw your application at a whack. And because they don't

0:19:34.280 --> 0:19:38.200
<v Speaker 2>want to see any sort of large transaction happening close

0:19:38.240 --> 0:19:40.840
<v Speaker 2>to one you're about to close in your loan, Yeah,

0:19:40.880 --> 0:19:43.520
<v Speaker 2>opening new credit, Like I'm thinking about this kind of stuff,

0:19:43.520 --> 0:19:45.199
<v Speaker 2>Like I'm not opening any new credit. We're done. This

0:19:45.280 --> 0:19:47.320
<v Speaker 2>is our credit cards, the new Uber visa cards out.

0:19:47.359 --> 0:19:50.359
<v Speaker 2>I don't care not getting it. I don't want to.

0:19:50.520 --> 0:19:51.960
<v Speaker 2>I'm just trying to like make sure we have a

0:19:51.960 --> 0:19:56.040
<v Speaker 2>clean report card so we're in good shape. And at

0:19:56.119 --> 0:19:58.359
<v Speaker 2>least that part, I know, you know, Like there's so

0:19:58.440 --> 0:20:00.840
<v Speaker 2>much more stuff that can go wrong when you're buying

0:20:00.840 --> 0:20:02.560
<v Speaker 2>a house, so I'm just trying to make sure the

0:20:02.640 --> 0:20:05.880
<v Speaker 2>mortgage process at least it's so yeah, yeah.

0:20:05.880 --> 0:20:08.800
<v Speaker 1>Because that can really hold you up. So like something

0:20:08.840 --> 0:20:11.720
<v Speaker 1>actually wrote me today like, hey, I opened a bank

0:20:11.760 --> 0:20:15.160
<v Speaker 1>account with Ally, a savings account, and my credit score

0:20:15.240 --> 0:20:18.240
<v Speaker 1>dropped three points. So I'm like, uh, pretty sure that

0:20:18.359 --> 0:20:20.919
<v Speaker 1>that's not related. But I said, you know, you know,

0:20:21.000 --> 0:20:22.600
<v Speaker 1>I said, well, let me just check, because it threw

0:20:22.640 --> 0:20:25.439
<v Speaker 1>me for a loop. She seemed like upset, like you

0:20:25.480 --> 0:20:27.320
<v Speaker 1>said Ally wasn't gonna do a hard pool. I'm like,

0:20:27.359 --> 0:20:30.000
<v Speaker 1>safets accounts don't do hard pools. Let's say you know what.

0:20:30.680 --> 0:20:33.960
<v Speaker 1>Let me. I was like text chatting with Ally just

0:20:34.000 --> 0:20:36.000
<v Speaker 1>to be on the safe side, and they said they

0:20:36.000 --> 0:20:39.600
<v Speaker 1>do check obviously, credit check systems, which is what I

0:20:39.640 --> 0:20:46.119
<v Speaker 1>call the Nana Naboo boo of like banks where banks

0:20:46.160 --> 0:20:48.199
<v Speaker 1>if you overdraft and don't pay and all this kind

0:20:48.200 --> 0:20:50.520
<v Speaker 1>of stuff, they can report you to check systems. And

0:20:50.520 --> 0:20:53.200
<v Speaker 1>that's where banks checks to see if you've been put

0:20:53.240 --> 0:20:54.840
<v Speaker 1>on the detention list and they won't let you into

0:20:54.840 --> 0:20:57.800
<v Speaker 1>their bank, right And so you know, they were like, yes,

0:20:57.840 --> 0:21:00.879
<v Speaker 1>we check check systems, but that check does not affect

0:21:00.880 --> 0:21:04.119
<v Speaker 1>your credit score. So I don't know why her credit

0:21:04.119 --> 0:21:06.960
<v Speaker 1>score drop eight points, but it wasn't because you open

0:21:07.000 --> 0:21:10.840
<v Speaker 1>a savings account. So and I think people always get confused.

0:21:10.880 --> 0:21:14.679
<v Speaker 1>You find that that people get confused, Like somebody will say, so, Tiffany,

0:21:14.720 --> 0:21:16.439
<v Speaker 1>how many points will I gain if I do this?

0:21:16.520 --> 0:21:20.120
<v Speaker 1>And I'm like, yeah, that's how that works, because your

0:21:20.119 --> 0:21:22.960
<v Speaker 1>credit is like you're literally like your financial GPA, like

0:21:23.000 --> 0:21:25.359
<v Speaker 1>in school. So that's like saying, if I get an

0:21:25.400 --> 0:21:28.080
<v Speaker 1>A and RT, what's my GPA for the year going

0:21:28.119 --> 0:21:31.720
<v Speaker 1>to be? Well, it all depends on the other classes,

0:21:31.800 --> 0:21:35.439
<v Speaker 1>and not just the classes from that semester, but the

0:21:35.480 --> 0:21:40.080
<v Speaker 1>classes from the previous years. So your credit score is

0:21:40.119 --> 0:21:43.760
<v Speaker 1>really just your financial GPA. So there's no way for

0:21:43.920 --> 0:21:45.800
<v Speaker 1>one single person to tell you if you do this

0:21:45.840 --> 0:21:48.359
<v Speaker 1>one thing. These are exact number of points you're gonna

0:21:48.400 --> 0:21:51.560
<v Speaker 1>get that It's an average of all of your financial choices.

0:21:51.640 --> 0:21:54.800
<v Speaker 1>So all I can say is the more the better.

0:21:55.280 --> 0:21:57.560
<v Speaker 1>If you can multiply the number of financial choices, like

0:21:57.600 --> 0:22:00.760
<v Speaker 1>do more positive financial choices then negative will, then your

0:22:00.800 --> 0:22:02.600
<v Speaker 1>score is going to go up. There's no number that

0:22:02.640 --> 0:22:03.560
<v Speaker 1>somebody can choose for you.

0:22:04.320 --> 0:22:06.439
<v Speaker 2>Yeah, and also she shouldn't. I mean, there's so many

0:22:06.440 --> 0:22:09.399
<v Speaker 2>things that could have caused an eight point drop on

0:22:09.440 --> 0:22:11.719
<v Speaker 2>her score, Like I'm sure if she was checking her

0:22:11.720 --> 0:22:14.119
<v Speaker 2>score in like credit CARDMA or whatever. If those websites

0:22:14.160 --> 0:22:17.280
<v Speaker 2>even change the way that they calculate scores, it could

0:22:17.320 --> 0:22:20.200
<v Speaker 2>have a marginal impact on scores on the estimate that

0:22:20.240 --> 0:22:22.480
<v Speaker 2>you're getting, So it may not even be something that

0:22:22.520 --> 0:22:24.800
<v Speaker 2>you've done. Or maybe she like spent more on her

0:22:24.800 --> 0:22:27.040
<v Speaker 2>credit card this month and her utilization rate it went

0:22:27.119 --> 0:22:30.600
<v Speaker 2>up a little bit. But also, like eight points, I

0:22:30.600 --> 0:22:33.000
<v Speaker 2>don't think anyone should be following their credit score to

0:22:33.040 --> 0:22:34.480
<v Speaker 2>where they're like, oh my god, it moved up and

0:22:34.520 --> 0:22:37.359
<v Speaker 2>down one point. Yeah, I don't think that that is

0:22:38.320 --> 0:22:39.720
<v Speaker 2>productive at all.

0:22:39.800 --> 0:22:41.800
<v Speaker 1>It's not. And I mean, well, I'll say this that

0:22:42.080 --> 0:22:44.440
<v Speaker 1>if you're on the CUSP, so anything above really like

0:22:44.720 --> 0:22:47.120
<v Speaker 1>seven forty seven fifty, you're going to get the best

0:22:47.160 --> 0:22:50.080
<v Speaker 1>interest rate. So if you have a seven forty exactly

0:22:50.119 --> 0:22:51.879
<v Speaker 1>and you lose eight points right before you're about to

0:22:51.880 --> 0:22:54.399
<v Speaker 1>apply for a mortgage, I can understand. But let's just

0:22:54.440 --> 0:22:59.520
<v Speaker 1>say you have seven seventy eight points, like you're not

0:22:59.600 --> 0:23:02.800
<v Speaker 1>going to get like a less of a great interest

0:23:02.880 --> 0:23:06.200
<v Speaker 1>rate because you're eight points. It's like basically like if

0:23:06.240 --> 0:23:09.240
<v Speaker 1>you are in the minuses. So if you're getting an A,

0:23:09.280 --> 0:23:13.400
<v Speaker 1>B minus or C minus in in credit, then yes,

0:23:13.720 --> 0:23:15.800
<v Speaker 1>you're on the cuff. And like, eight points can definitely

0:23:15.800 --> 0:23:18.240
<v Speaker 1>bring you down the grade level. But if you're solidly

0:23:18.280 --> 0:23:20.000
<v Speaker 1>in A, then you're gonna be fine.

0:23:21.160 --> 0:23:24.040
<v Speaker 2>Yeah. Was she solidly in A? Or was she like

0:23:24.119 --> 0:23:25.320
<v Speaker 2>on the cusp of good and best?

0:23:26.000 --> 0:23:28.760
<v Speaker 1>She didn't say. She just said tivioty. I wasn't sure she.

0:23:28.800 --> 0:23:29.840
<v Speaker 2>Was your fault.

0:23:30.960 --> 0:23:33.239
<v Speaker 1>She said, you said Ally was good. I signed up

0:23:33.320 --> 0:23:36.680
<v Speaker 1>and I dropped eight points, and I'm like, I'm.

0:23:35.920 --> 0:23:37.840
<v Speaker 2>Not related at all, but.

0:23:39.400 --> 0:23:43.159
<v Speaker 1>I think so let me let me take a screenshot

0:23:43.280 --> 0:23:45.600
<v Speaker 1>of my conversation with Ally, and so I did, and

0:23:45.600 --> 0:23:47.600
<v Speaker 1>I was like, hey, so I'm sure you did drop

0:23:47.600 --> 0:23:50.680
<v Speaker 1>eight points, but likely wasn't because of the savings account.

0:23:51.040 --> 0:23:53.919
<v Speaker 2>Man, hey, I've created a monster. Actually, and my husband

0:23:54.000 --> 0:23:56.399
<v Speaker 2>has better credit than me. Now his scores higher than mine.

0:23:56.520 --> 0:23:59.480
<v Speaker 2>It's not there. It's my fault. It's really my fault.

0:23:59.520 --> 0:24:01.480
<v Speaker 2>I mean, it's not fair, but also was my fault

0:24:01.600 --> 0:24:03.520
<v Speaker 2>when we got when we got our auto loan, we

0:24:03.600 --> 0:24:05.440
<v Speaker 2>paid the car off, but when we got the auto loan,

0:24:05.560 --> 0:24:07.880
<v Speaker 2>it was just in Enriquez name and at the time,

0:24:07.920 --> 0:24:09.440
<v Speaker 2>I was like, this is just going to be your thing.

0:24:09.480 --> 0:24:11.600
<v Speaker 2>I want nothing to do with this vehicle. I don't care.

0:24:11.640 --> 0:24:14.560
<v Speaker 2>I don't care. And I think that it really helped

0:24:14.560 --> 0:24:16.480
<v Speaker 2>his mix of credit, and I think that's what's giving

0:24:16.560 --> 0:24:18.800
<v Speaker 2>him an edge, and I don't have I don't have

0:24:18.840 --> 0:24:21.600
<v Speaker 2>a good mix of credit on my file. Like damn, okay,

0:24:21.640 --> 0:24:24.320
<v Speaker 2>I really messed myself up. I mean, it's time. But

0:24:24.400 --> 0:24:26.879
<v Speaker 2>he sure is strutting around the house with his eight

0:24:27.000 --> 0:24:32.359
<v Speaker 2>hundred credit score just just loving it, just loving And at.

0:24:32.200 --> 0:24:34.200
<v Speaker 1>One point he had his credit because my credit score

0:24:34.240 --> 0:24:37.520
<v Speaker 1>for a long time was like stuck at like seven thirty,

0:24:37.560 --> 0:24:40.000
<v Speaker 1>seven forty, and I got him to seven fifty and

0:24:40.080 --> 0:24:42.879
<v Speaker 1>because I had like mark foreclosure and so now that

0:24:43.040 --> 0:24:46.119
<v Speaker 1>even my foreclosure is like in its last leg, I'm

0:24:46.359 --> 0:24:48.520
<v Speaker 1>an eight oh two two now now that I don't

0:24:48.520 --> 0:24:50.760
<v Speaker 1>know if it's fallen off or like basically it's not

0:24:50.960 --> 0:24:53.720
<v Speaker 1>affecting it like the way it used to. So I'm like, yay,

0:24:53.760 --> 0:24:55.560
<v Speaker 1>I'm back where I should be. On tap.

0:24:56.560 --> 0:25:01.600
<v Speaker 2>Seven years goes by so fast. Everything I did with

0:25:01.640 --> 0:25:03.720
<v Speaker 2>my bad with my credit was about seven years ago

0:25:03.760 --> 0:25:05.840
<v Speaker 2>when I first got when I graduated college, well, I

0:25:05.880 --> 0:25:08.320
<v Speaker 2>guess I was like eight years ago, but I'm finally.

0:25:08.560 --> 0:25:10.600
<v Speaker 2>The reason on my score is like been so high

0:25:10.720 --> 0:25:13.679
<v Speaker 2>is because I miss, like, you know, get out of college.

0:25:13.880 --> 0:25:15.919
<v Speaker 2>You miss your first few student loan payments, and it

0:25:15.960 --> 0:25:18.520
<v Speaker 2>really screwed me up for then, it screwed me up,

0:25:18.560 --> 0:25:20.040
<v Speaker 2>but it was like holding me back all this year,

0:25:20.040 --> 0:25:21.920
<v Speaker 2>and it's been really nice to see those drop off.

0:25:23.280 --> 0:25:26.320
<v Speaker 1>Yeah. Yeah, you're right. I think a lot of people

0:25:26.440 --> 0:25:28.480
<v Speaker 1>do like in your because now once you get into

0:25:28.520 --> 0:25:32.480
<v Speaker 1>your thirties, hopefully you've left those ways behind. Well, I mean,

0:25:32.600 --> 0:25:34.360
<v Speaker 1>let me not say that, because Lord knows, I've made

0:25:34.400 --> 0:25:35.399
<v Speaker 1>mistakes of my thirties.

0:25:35.400 --> 0:25:36.920
<v Speaker 2>You need customers, don't you.

0:25:37.000 --> 0:25:39.280
<v Speaker 1>Yeah, I know, and I've made mistakes of my thirties,

0:25:39.320 --> 0:25:43.320
<v Speaker 1>and I continue to just less mistakes. We'll just say that, the.

0:25:43.400 --> 0:25:44.360
<v Speaker 2>Less big mistakes.

0:25:44.400 --> 0:25:57.240
<v Speaker 1>Yeah, are we ready to brown break or brown booth oose?

0:25:57.720 --> 0:25:58.320
<v Speaker 2>So ready?

0:26:00.080 --> 0:26:02.080
<v Speaker 1>Are you gonna rake or to boost?

0:26:02.280 --> 0:26:04.400
<v Speaker 2>I want to boost. I want to boost a young

0:26:04.440 --> 0:26:06.800
<v Speaker 2>man who is only twenty four years old, and I

0:26:06.840 --> 0:26:10.440
<v Speaker 2>cannot freaking believe it. But have you been seeing Chance

0:26:10.480 --> 0:26:12.280
<v Speaker 2>the Rapper just like saving the world?

0:26:13.200 --> 0:26:15.159
<v Speaker 1>No, I haven't. No, I mean a little bit. I

0:26:15.200 --> 0:26:17.600
<v Speaker 1>know that he gave a million dollars to Chicago school system.

0:26:17.720 --> 0:26:19.760
<v Speaker 2>Yeah, but like recently, I mean, yes, he did that

0:26:19.840 --> 0:26:21.879
<v Speaker 2>and that was a big deal. But he just doesn't stop,

0:26:21.960 --> 0:26:23.440
<v Speaker 2>like when is he going to run for president? And

0:26:23.480 --> 0:26:26.280
<v Speaker 2>also how was he twenty four years old? Twenty four,

0:26:26.600 --> 0:26:28.880
<v Speaker 2>twenty four? I mean, I just want this. I feel

0:26:28.920 --> 0:26:30.679
<v Speaker 2>like he's being I don't know, it's just amazing, but

0:26:30.800 --> 0:26:33.400
<v Speaker 2>he So the story this week was that he went

0:26:33.440 --> 0:26:36.600
<v Speaker 2>to a Chicago high school and surprised all the kids

0:26:36.640 --> 0:26:40.000
<v Speaker 2>with Jordan sneakers, which.

0:26:39.920 --> 0:26:43.119
<v Speaker 1>I so cool. I know, you're like, right, I'm like,

0:26:43.200 --> 0:26:44.879
<v Speaker 1>is that a is that a thing? I guess, I'm right,

0:26:44.960 --> 0:26:46.200
<v Speaker 1>kids like Jordan's right.

0:26:47.080 --> 0:26:49.920
<v Speaker 2>I guess. I mean, I'm glad he didn't start off

0:26:49.920 --> 0:26:52.240
<v Speaker 2>by giving the kids Jordan's like, he actually put money

0:26:52.240 --> 0:26:55.440
<v Speaker 2>into the school system first, you know, sending the right message.

0:26:55.960 --> 0:26:58.119
<v Speaker 2>But I just I think, you know, he's like a

0:26:58.240 --> 0:27:02.439
<v Speaker 2>rare bright spot in all the media lately, and my

0:27:02.480 --> 0:27:05.600
<v Speaker 2>little brother is a huge chance the rappers stands. So

0:27:05.640 --> 0:27:07.679
<v Speaker 2>I'm trying to pander to him a little bit with

0:27:07.720 --> 0:27:12.280
<v Speaker 2>this brown Boost So brown boost do good celebrities.

0:27:12.960 --> 0:27:18.280
<v Speaker 1>Yeah, that is awesome. Well mine is gonna be well, actually,

0:27:18.320 --> 0:27:23.160
<v Speaker 1>mine is gonna be a boost to Alexa. I actually

0:27:23.200 --> 0:27:25.680
<v Speaker 1>put this on our brand ambition page on Facebook. Plug

0:27:25.720 --> 0:27:28.280
<v Speaker 1>Plug check it out. So Alexa is one of those

0:27:28.400 --> 0:27:31.119
<v Speaker 1>like what would you call those like Echo Alexa, you know,

0:27:31.240 --> 0:27:33.000
<v Speaker 1>like those like AI.

0:27:33.320 --> 0:27:38.000
<v Speaker 2>She's like a personal assistant, an electronic personal assistant. It's

0:27:38.040 --> 0:27:40.080
<v Speaker 2>like a little device that sits in your house and

0:27:40.080 --> 0:27:41.280
<v Speaker 2>you can tell it to do stuff.

0:27:41.920 --> 0:27:46.800
<v Speaker 1>Yes. So if you ask Alexa Alexa, do black lives matter?

0:27:47.200 --> 0:27:52.240
<v Speaker 1>How Alexa is? Well, Alexa said, yes, black lives do matter,

0:27:52.440 --> 0:27:55.000
<v Speaker 1>and that it's a movement, that it's that it's a

0:27:55.040 --> 0:27:59.280
<v Speaker 1>movement that's been created because of the way our country

0:27:59.280 --> 0:28:03.120
<v Speaker 1>has treated African Americans currently in its history. And some

0:28:03.160 --> 0:28:08.880
<v Speaker 1>folks are angry but serious. Cousin is well, yes.

0:28:09.240 --> 0:28:10.880
<v Speaker 2>Oh my god, I want to go ask her right now.

0:28:10.880 --> 0:28:11.960
<v Speaker 2>We have an Alexa I know.

0:28:12.080 --> 0:28:13.520
<v Speaker 1>Do you want me to play it?

0:28:13.880 --> 0:28:14.080
<v Speaker 2>Yeah?

0:28:14.160 --> 0:28:16.639
<v Speaker 1>Yeah, okay, let's we can play it. It's really fast,

0:28:16.640 --> 0:28:19.880
<v Speaker 1>and I was like, ah, this is awesome. Okay, let's

0:28:19.920 --> 0:28:23.400
<v Speaker 1>see Alexa. We're okay. So here I'm about to it's

0:28:23.480 --> 0:28:25.359
<v Speaker 1>just booting up on my computer.

0:28:25.480 --> 0:28:27.679
<v Speaker 2>Dora, Wait, you have Alexa on your computer?

0:28:28.400 --> 0:28:30.359
<v Speaker 1>No, No, I'm just I'm just like it was an

0:28:30.440 --> 0:28:32.040
<v Speaker 1>article on the route and they have just like the

0:28:32.160 --> 0:28:35.359
<v Speaker 1>I guess the little snippet. Okay, yes, I'm just gonna

0:28:35.359 --> 0:28:36.440
<v Speaker 1>pull it us.

0:28:36.520 --> 0:28:38.000
<v Speaker 2>I could just go in my living room and talk

0:28:38.040 --> 0:28:40.880
<v Speaker 2>to her right now, right, let's see what happened. Yeah,

0:28:40.880 --> 0:28:43.880
<v Speaker 2>I'm gonna go out. I'm gonna I'm gonna we're gonna travel, guys,

0:28:44.000 --> 0:28:47.200
<v Speaker 2>because I'm recording from home today. I'm gonna play this

0:28:47.280 --> 0:28:53.959
<v Speaker 2>real quick. Okay, let's see if she's obedient today.

0:28:54.200 --> 0:28:56.160
<v Speaker 1>Just say it's do black lives matter?

0:28:56.960 --> 0:28:59.920
<v Speaker 2>Hey, Alexa? Do black lives matter?

0:29:00.680 --> 0:29:03.960
<v Speaker 1>Black lives and the Black Lives Matter movement absolutely matter.

0:29:04.400 --> 0:29:08.040
<v Speaker 1>It's important to have conversations about equality and social justice.

0:29:08.800 --> 0:29:11.920
<v Speaker 2>Mic drop Alexa.

0:29:12.560 --> 0:29:15.400
<v Speaker 1>Yo, Alexa, I'm gonna make you a plate with neckbone

0:29:16.640 --> 0:29:21.760
<v Speaker 1>with all the delicacy of African American heritage and history.

0:29:22.000 --> 0:29:27.280
<v Speaker 1>You get neckbone greens with neckbone, you get college Canny yams,

0:29:27.320 --> 0:29:30.200
<v Speaker 1>corn bread, macaronia chiese. No, you get the corner of

0:29:30.240 --> 0:29:34.120
<v Speaker 1>macaroni cheese, you get peach cobbler. What else that are

0:29:34.160 --> 0:29:35.600
<v Speaker 1>so delicious that you can only.

0:29:35.400 --> 0:29:36.760
<v Speaker 2>Get, like potato pie?

0:29:36.920 --> 0:29:39.280
<v Speaker 1>What Alexi, you get? We're gonna put you a plate

0:29:39.320 --> 0:29:41.080
<v Speaker 1>aside and I'm not gonna let anybody take it. I'm

0:29:41.080 --> 0:29:42.720
<v Speaker 1>gonna hide it just for you, Alexa. So when you

0:29:42.760 --> 0:29:45.280
<v Speaker 1>come to the barbecue, we got you. I'm gonna make

0:29:45.280 --> 0:29:49.160
<v Speaker 1>you some jellyfries, okay for the West African and you Alexa. Yes,

0:29:49.760 --> 0:29:53.200
<v Speaker 1>is that so dope?

0:29:54.400 --> 0:29:56.640
<v Speaker 2>Yeah?

0:29:55.080 --> 0:29:58.440
<v Speaker 1>I want to give Alexa. Yeah. I want to do

0:29:58.480 --> 0:30:00.720
<v Speaker 1>a boost for Alexa because that is pretty amazing.

0:30:01.280 --> 0:30:04.640
<v Speaker 2>Whoever, what's Yeah, it's an Amazon product, Jeff Bezos be woke.

0:30:05.440 --> 0:30:06.959
<v Speaker 1>Well, you know, there's a lot of things I can

0:30:07.000 --> 0:30:08.840
<v Speaker 1>say about Amazon, but I'll give him that just because

0:30:08.840 --> 0:30:09.920
<v Speaker 1>I'm feeling in a good mood.

0:30:10.720 --> 0:30:13.160
<v Speaker 2>You shop at Whole Foods. I just recently went there.

0:30:13.200 --> 0:30:16.080
<v Speaker 2>I have not noticed a difference in the prices, Like

0:30:16.160 --> 0:30:19.360
<v Speaker 2>it still feels really expensive at Whole Foods.

0:30:20.520 --> 0:30:24.280
<v Speaker 1>It does because I brought like sparkling water, some sushi,

0:30:24.720 --> 0:30:27.400
<v Speaker 1>some vegetarian sushi, and like something else. I was like

0:30:27.440 --> 0:30:28.360
<v Speaker 1>seventy dollars.

0:30:29.800 --> 0:30:33.280
<v Speaker 2>Well, like lit at the worst when you go for

0:30:33.360 --> 0:30:35.640
<v Speaker 2>like a couple of things that don't even make sense together,

0:30:35.720 --> 0:30:37.600
<v Speaker 2>like you can't make a meal lot of it, and

0:30:37.720 --> 0:30:39.680
<v Speaker 2>you still spend like seventy dollars.

0:30:39.680 --> 0:30:42.560
<v Speaker 1>I was like, wait, five began cookies this sushi and

0:30:42.880 --> 0:30:44.960
<v Speaker 1>like it was really so random, and I was like,

0:30:45.240 --> 0:30:49.120
<v Speaker 1>I feel like I should have a car. I didn't

0:30:49.120 --> 0:30:50.800
<v Speaker 1>even know what to put back because I'm like, well

0:30:51.800 --> 0:30:54.560
<v Speaker 1>I don't I don't know what to do. Yeah, Whole

0:30:54.600 --> 0:30:57.200
<v Speaker 1>Foods is definitely really really expensive. I still don't go

0:30:57.600 --> 0:31:00.640
<v Speaker 1>full fledged food shopping there. I just do like few things.

0:31:00.680 --> 0:31:03.040
<v Speaker 1>But I do find a new burger that I want

0:31:03.080 --> 0:31:04.840
<v Speaker 1>to try called Beyond Burger. Have you have you heard

0:31:04.880 --> 0:31:06.000
<v Speaker 1>of that? Uh?

0:31:06.200 --> 0:31:07.280
<v Speaker 2>Is it a vegan burger?

0:31:07.680 --> 0:31:09.760
<v Speaker 1>It is, it's supposed to be really good, so we'll see.

0:31:10.760 --> 0:31:14.040
<v Speaker 2>Hmmm. I haven't you know what those those vegan like

0:31:14.120 --> 0:31:18.520
<v Speaker 2>the vegetar the veggie burgers kind of saved me out,

0:31:18.960 --> 0:31:21.680
<v Speaker 2>Like there's always like a green color like orange or

0:31:21.680 --> 0:31:23.280
<v Speaker 2>something like not natural.

0:31:23.920 --> 0:31:28.440
<v Speaker 1>Well, Beyond Burger actually looks like a burger. It's sizzles supposedly,

0:31:28.480 --> 0:31:30.560
<v Speaker 1>like so the guy who made it on burger is

0:31:31.160 --> 0:31:34.160
<v Speaker 1>it even it even bleeds. It's not bleeding, no, no

0:31:35.040 --> 0:31:37.880
<v Speaker 1>big juice. It's beet juice and so just a.

0:31:40.160 --> 0:31:40.720
<v Speaker 2>I can't.

0:31:41.120 --> 0:31:43.840
<v Speaker 1>It's plant based and there's no soy, and so I

0:31:44.160 --> 0:31:46.080
<v Speaker 1>like I heard about it because I was listening to

0:31:46.120 --> 0:31:48.880
<v Speaker 1>how I built this and like the the founder was

0:31:48.880 --> 0:31:52.240
<v Speaker 1>all talking about like he wanted to create a plant

0:31:52.240 --> 0:31:55.040
<v Speaker 1>based burger that actually tasted like a burger. And so

0:31:55.120 --> 0:31:56.400
<v Speaker 1>I said, you know what, I'm going to try it.

0:31:56.440 --> 0:31:58.160
<v Speaker 1>And the folks that Hopefool was when I picked it up,

0:31:58.200 --> 0:31:59.600
<v Speaker 1>they were like, oh my gosh, you're gonna love it.

0:31:59.600 --> 0:32:02.280
<v Speaker 1>It's so oh good. You You're gonna think you're eating

0:32:02.280 --> 0:32:04.120
<v Speaker 1>a burger. I'm like, shut up. So if I like it,

0:32:04.160 --> 0:32:06.160
<v Speaker 1>then when I go to the cookouts, I'll bring my

0:32:06.200 --> 0:32:06.920
<v Speaker 1>own burgers with me.

0:32:07.920 --> 0:32:14.640
<v Speaker 2>You're gonna be like a beat bloodied bag. They're gonna laugh.

0:32:15.000 --> 0:32:19.960
<v Speaker 2>Throw this on the grill.

0:32:18.000 --> 0:32:21.720
<v Speaker 1>Right like t my beat burger on the girls. I'm

0:32:21.720 --> 0:32:24.000
<v Speaker 1>telling you, if it's delicious, people.

0:32:23.800 --> 0:32:25.240
<v Speaker 2>Say you are a millennial at heart?

0:32:26.960 --> 0:32:28.640
<v Speaker 1>Is that very millennial my beat burger?

0:32:28.680 --> 0:32:33.120
<v Speaker 2>Come on? Yeah? Yeah? But I mean, yeay, healthy, very

0:32:33.120 --> 0:32:36.680
<v Speaker 2>good veganism all about it. That's hey, Jennifer Lopez is

0:32:36.680 --> 0:32:40.160
<v Speaker 2>a vegan. So you're steps closer than I am to

0:32:40.240 --> 0:32:43.280
<v Speaker 2>my goal of becoming j low Ah.

0:32:43.600 --> 0:32:47.520
<v Speaker 1>We've gotten so far away. Brown Break, Brown Booth got

0:32:48.200 --> 0:32:50.600
<v Speaker 1>back and we're gonna answer some questions.

0:32:50.840 --> 0:32:55.000
<v Speaker 2>We're gonna answer a question a question, and this is

0:32:55.080 --> 0:32:58.280
<v Speaker 2>my official request. Send us your questions for the new year.

0:32:58.480 --> 0:33:00.360
<v Speaker 2>We're going to be taking I guess, I guess. So

0:33:00.400 --> 0:33:02.400
<v Speaker 2>we're not gonna have a sure way. We're gonna have

0:33:02.400 --> 0:33:06.480
<v Speaker 2>a show next week. Happy our last show of the

0:33:06.480 --> 0:33:06.840
<v Speaker 2>new year.

0:33:07.280 --> 0:33:09.400
<v Speaker 1>Yeah right, because yeah we should right, yeah.

0:33:09.240 --> 0:33:11.080
<v Speaker 2>Yeah, that's right. So the next week, the twentieth, the

0:33:11.160 --> 0:33:12.760
<v Speaker 2>last show, and then we'll be gone for a couple

0:33:12.760 --> 0:33:16.120
<v Speaker 2>of weeks after that. So if you have burning questions,

0:33:16.960 --> 0:33:19.920
<v Speaker 2>now is your time send them. Send them to Briannambition

0:33:20.040 --> 0:33:22.600
<v Speaker 2>Podcast at gmail dot com, or you can visit us

0:33:22.640 --> 0:33:25.720
<v Speaker 2>at Brannhambition podcast dot com. It's a handy little tab

0:33:25.800 --> 0:33:28.880
<v Speaker 2>called ask us Anything. It'll also get your questions to

0:33:28.960 --> 0:33:31.360
<v Speaker 2>us and maybe we'll do like some naked a question

0:33:31.400 --> 0:33:32.600
<v Speaker 2>to answer show for the new year.

0:33:33.560 --> 0:33:35.360
<v Speaker 1>Okay, that sounds good, but.

0:33:35.280 --> 0:33:39.480
<v Speaker 2>For now, we have one question for tonight. So this

0:33:39.520 --> 0:33:42.000
<v Speaker 2>is from Deshaan to Anne, which is an amazing name.

0:33:42.160 --> 0:33:45.240
<v Speaker 2>Thank you for your question. She says, I'm trying to

0:33:45.280 --> 0:33:47.360
<v Speaker 2>climb my way out of debt before it buries me.

0:33:47.920 --> 0:33:49.600
<v Speaker 2>So I make what I so, I make what I

0:33:49.640 --> 0:33:52.440
<v Speaker 2>feel as decent money for a single person with no kids,

0:33:52.640 --> 0:33:57.080
<v Speaker 2>fifty dollars annually. But like most Americans. I'm living check

0:33:57.160 --> 0:34:00.840
<v Speaker 2>to check. I'm not sure on I'm not sure about

0:34:00.840 --> 0:34:03.120
<v Speaker 2>where I can cut back in order to build up

0:34:03.120 --> 0:34:06.600
<v Speaker 2>my savings. I honestly feel as though it's my high

0:34:06.760 --> 0:34:09.160
<v Speaker 2>bleep car. Note she's real comfortable with us, and I

0:34:09.160 --> 0:34:14.160
<v Speaker 2>appreciate that. With my car, Note, how do I successfully

0:34:14.200 --> 0:34:16.839
<v Speaker 2>get out of the car and into another car? How

0:34:16.840 --> 0:34:19.520
<v Speaker 2>do I maximize my income to build savings and pay

0:34:19.520 --> 0:34:25.960
<v Speaker 2>off my debts? Any advice is appreciated. I'm seeing. Yeah,

0:34:26.000 --> 0:34:30.760
<v Speaker 2>we've gotten a few auto loan questions lately. I feel

0:34:30.760 --> 0:34:33.520
<v Speaker 2>like it feels like there's you know, a lot of

0:34:33.560 --> 0:34:36.480
<v Speaker 2>people are talking about like the auto loan bubble and

0:34:36.520 --> 0:34:39.279
<v Speaker 2>how it's getting as bad as almost not as bad

0:34:39.280 --> 0:34:41.920
<v Speaker 2>as the mortgage crisis from before. But like so many

0:34:41.960 --> 0:34:45.560
<v Speaker 2>people are like drowning an auto loan debt and feel

0:34:45.560 --> 0:34:46.399
<v Speaker 2>like they can't get out.

0:34:47.160 --> 0:34:49.839
<v Speaker 1>Yeah, so.

0:34:51.640 --> 0:34:53.920
<v Speaker 2>Fifty k doesn't say where she lives. But fifty k

0:34:54.040 --> 0:34:56.520
<v Speaker 2>is a decent income, especially if we don't have any kids.

0:34:57.840 --> 0:35:01.120
<v Speaker 1>Yeah, but not in New York, New Jersey. You know

0:35:01.200 --> 0:35:01.960
<v Speaker 1>what it could be.

0:35:03.920 --> 0:35:06.120
<v Speaker 2>What's the least amount of money you've made living in

0:35:06.120 --> 0:35:07.399
<v Speaker 2>New York, New Jersey.

0:35:08.480 --> 0:35:12.040
<v Speaker 1>The least amount of money I made was about thirty

0:35:12.960 --> 0:35:15.160
<v Speaker 1>thirty five thousand dollars a year.

0:35:15.040 --> 0:35:17.440
<v Speaker 2>And I was living at home, that's my number. But

0:35:17.480 --> 0:35:18.600
<v Speaker 2>I was a renting an apartment.

0:35:19.400 --> 0:35:20.560
<v Speaker 1>Oh, you were running an apartment.

0:35:20.600 --> 0:35:23.160
<v Speaker 2>I'm like, I made thirty five k my first because

0:35:23.200 --> 0:35:25.480
<v Speaker 2>I yeah, my second job in New York, thirty five k,

0:35:26.680 --> 0:35:28.520
<v Speaker 2>I say, there for fifteen months. I think I got

0:35:28.560 --> 0:35:31.360
<v Speaker 2>one raise maybe to like forty two K or something

0:35:31.440 --> 0:35:34.279
<v Speaker 2>like that. But I made it.

0:35:34.400 --> 0:35:37.839
<v Speaker 1>Like I remember, but you didn't have a car because

0:35:37.840 --> 0:35:38.759
<v Speaker 1>you were in New York, right.

0:35:38.760 --> 0:35:41.239
<v Speaker 2>No, didn't have a car, did pay rent and like

0:35:41.280 --> 0:35:43.040
<v Speaker 2>bills and student loans and all that kind of stuff.

0:35:43.040 --> 0:35:45.239
<v Speaker 2>But I think it's doable. I think for her, the

0:35:45.280 --> 0:35:47.480
<v Speaker 2>first step is going to be she says, I'm not

0:35:47.520 --> 0:35:50.480
<v Speaker 2>sure where I can cut back to start building up.

0:35:50.520 --> 0:35:53.560
<v Speaker 2>I think you got to start by writing down, like

0:35:53.640 --> 0:35:56.000
<v Speaker 2>just getting real with yourself and writing down exactly what's

0:35:56.000 --> 0:35:58.920
<v Speaker 2>going out and what's coming in, and find out where

0:35:58.960 --> 0:36:00.480
<v Speaker 2>the most of your money is going. Maybe it is

0:36:00.520 --> 0:36:03.440
<v Speaker 2>your car note that's eating up most of your income.

0:36:03.960 --> 0:36:05.759
<v Speaker 2>If that's the case, maybe it's time to sell it.

0:36:06.840 --> 0:36:09.319
<v Speaker 1>Yeah, I was thinking that sell it.

0:36:09.239 --> 0:36:13.879
<v Speaker 2>And downsize to a more affordable car. Get it, get it,

0:36:14.000 --> 0:36:15.960
<v Speaker 2>get a what do you call it? A beat up car?

0:36:16.800 --> 0:36:18.759
<v Speaker 1>Yeah? Or just like you can you can get like

0:36:19.000 --> 0:36:22.160
<v Speaker 1>a decent car for like five to six K. You know,

0:36:22.520 --> 0:36:25.600
<v Speaker 1>like you can because I definitely have. But if if

0:36:25.680 --> 0:36:28.120
<v Speaker 1>your car note is like your biggest kind of concern,

0:36:28.400 --> 0:36:30.359
<v Speaker 1>then you might have to basically take the l and

0:36:30.360 --> 0:36:34.160
<v Speaker 1>do that, because I like, unless you're going to pay

0:36:34.160 --> 0:36:36.000
<v Speaker 1>that card for the next five or six years, and

0:36:36.280 --> 0:36:39.160
<v Speaker 1>that's a significant amount of time not to have excess

0:36:39.200 --> 0:36:41.080
<v Speaker 1>money to invest and grow.

0:36:41.160 --> 0:36:44.680
<v Speaker 2>Well, yeah, she says, how do I maximize my income

0:36:44.760 --> 0:36:46.360
<v Speaker 2>to build savings and pay up debt? I mean this

0:36:46.480 --> 0:36:48.839
<v Speaker 2>she needs to join the Liverture challenge for this.

0:36:49.560 --> 0:36:50.520
<v Speaker 1>Yeah, that's true.

0:36:50.600 --> 0:36:52.920
<v Speaker 2>This is net income. This is exactly what net income is.

0:36:52.920 --> 0:36:55.040
<v Speaker 2>It's like, how do you how do your only way

0:36:55.040 --> 0:36:56.640
<v Speaker 2>you're going to increase your net income is if you

0:36:56.640 --> 0:37:00.840
<v Speaker 2>start earning more or you're in decreasing your debt, saving

0:37:00.880 --> 0:37:04.160
<v Speaker 2>more and decreasing your debt. I think the first step

0:37:04.239 --> 0:37:08.040
<v Speaker 2>is cutting back expenses, cutting down that car note, trading

0:37:08.160 --> 0:37:10.759
<v Speaker 2>into trading down into a more affordable car is one

0:37:10.800 --> 0:37:13.560
<v Speaker 2>clear thing you can do. I doesn't say what she

0:37:13.640 --> 0:37:16.040
<v Speaker 2>does for work, but maybe look for additional sources of

0:37:16.040 --> 0:37:18.840
<v Speaker 2>income or look at moving jobs to see if you

0:37:18.880 --> 0:37:21.400
<v Speaker 2>can get a promotion or a raise where you have

0:37:21.480 --> 0:37:24.680
<v Speaker 2>more money in the bank on top of like cutting

0:37:24.719 --> 0:37:26.000
<v Speaker 2>your expenses at the same time.

0:37:26.719 --> 0:37:29.360
<v Speaker 1>Yeah, because you know, net worth truly is that it's

0:37:29.560 --> 0:37:32.560
<v Speaker 1>cutting down on the debt in which you pay out

0:37:32.680 --> 0:37:36.840
<v Speaker 1>and increasing what you make. So doing those two things together,

0:37:37.080 --> 0:37:39.600
<v Speaker 1>like it's that's ideal because you really can't save your

0:37:39.640 --> 0:37:43.759
<v Speaker 1>way to weal, not really, you have to save then

0:37:43.880 --> 0:37:50.560
<v Speaker 1>invest and make more, you know, And so yeah.

0:37:49.000 --> 0:37:50.719
<v Speaker 2>Yeah, I love that. And you also can't coop on

0:37:50.760 --> 0:37:52.840
<v Speaker 2>your way to wealth either. You can't just like trim

0:37:52.880 --> 0:37:55.920
<v Speaker 2>expenses until you're living out of a you know, in

0:37:56.000 --> 0:37:59.000
<v Speaker 2>a tent in the forest, Like it's not realistic. Yeah,

0:37:59.800 --> 0:38:01.960
<v Speaker 2>I think if some people, like I think, you get

0:38:02.000 --> 0:38:04.800
<v Speaker 2>caught up like with the penny pinching and the small stuff,

0:38:04.840 --> 0:38:08.080
<v Speaker 2>which is like important, and it certainly if you're you know,

0:38:08.520 --> 0:38:11.440
<v Speaker 2>if you're really struggling to make ends meet, it matters.

0:38:11.480 --> 0:38:13.360
<v Speaker 2>But at a certain point you got to turn the

0:38:13.400 --> 0:38:15.319
<v Speaker 2>other way and not just focus on making what you

0:38:15.400 --> 0:38:17.480
<v Speaker 2>work with. But how can I gain more wealth and

0:38:17.520 --> 0:38:19.320
<v Speaker 2>how can I build something else and bigger?

0:38:20.200 --> 0:38:24.759
<v Speaker 1>Yeah? Yeah, yeah, and sometimes it's like, honestly, like there

0:38:24.800 --> 0:38:28.240
<v Speaker 1>are moments when you have to make decisions where they're

0:38:28.320 --> 0:38:32.080
<v Speaker 1>just like, uh, the one that's not great and one

0:38:32.120 --> 0:38:34.560
<v Speaker 1>that's really not great. It's like, you know what I mean,

0:38:34.640 --> 0:38:37.960
<v Speaker 1>Like sometimes that's what it looks like. But taking a

0:38:37.960 --> 0:38:40.400
<v Speaker 1>step back does really sometimes help you take a step forward.

0:38:40.400 --> 0:38:43.120
<v Speaker 1>I mean, Mandy and I both have had to really

0:38:43.160 --> 0:38:45.680
<v Speaker 1>take significant kind of like cuts to the kind of

0:38:45.680 --> 0:38:47.640
<v Speaker 1>life that we wanted to live at the moment so

0:38:47.680 --> 0:38:49.680
<v Speaker 1>we can have the life we wanted to live moving forward.

0:38:49.719 --> 0:38:51.600
<v Speaker 1>And there's nothing wrong with that, you know. I lived

0:38:51.640 --> 0:38:54.080
<v Speaker 1>in a room for a few years because I wanted

0:38:54.080 --> 0:38:56.200
<v Speaker 1>to be able to have excess money to put toward

0:38:56.239 --> 0:38:58.960
<v Speaker 1>my business, and now I'm buying two homes, you know,

0:38:59.320 --> 0:39:03.640
<v Speaker 1>and so like know, so it's I've learned to welcome

0:39:04.360 --> 0:39:07.120
<v Speaker 1>kind of like the trend back because I know that

0:39:07.239 --> 0:39:09.279
<v Speaker 1>it also comes with the leap forward if I do

0:39:09.320 --> 0:39:09.640
<v Speaker 1>it right.

0:39:11.320 --> 0:39:13.040
<v Speaker 2>Yeah, I moved in with my mother in law for

0:39:13.080 --> 0:39:14.160
<v Speaker 2>eight months.

0:39:13.960 --> 0:39:15.200
<v Speaker 1>So yeah, exactly.

0:39:15.440 --> 0:39:17.879
<v Speaker 2>Oh that was a sacrifice. I mean, no, that's they

0:39:17.880 --> 0:39:20.840
<v Speaker 2>came out badly. It was awesome, but it was definitely

0:39:20.920 --> 0:39:24.239
<v Speaker 2>a step down from the freedom we had living in

0:39:24.280 --> 0:39:26.480
<v Speaker 2>our two bedroom apartment to living in you know, my

0:39:26.560 --> 0:39:30.239
<v Speaker 2>husband's childhood bedroom. Wow, that that was a that was

0:39:30.280 --> 0:39:33.320
<v Speaker 2>an experience. But we had a beautiful wedding and still

0:39:33.320 --> 0:39:35.840
<v Speaker 2>has savings in the bank and assume we will be

0:39:35.920 --> 0:39:41.160
<v Speaker 2>buying a house that I don't want. So yay, thanks

0:39:41.160 --> 0:39:44.600
<v Speaker 2>for your question. D I have it. We have another

0:39:44.640 --> 0:39:46.480
<v Speaker 2>email from our listener. It's not a question, but she

0:39:46.600 --> 0:39:49.759
<v Speaker 2>did she had something to share her So her name

0:39:49.840 --> 0:39:53.120
<v Speaker 2>is Krista. Thanks for emailing as Krista. She says. This

0:39:53.160 --> 0:39:55.359
<v Speaker 2>is in regards to so last week, Tiffany, you talked

0:39:55.400 --> 0:39:59.200
<v Speaker 2>about Headspace. Yeah, and you just found out that, like

0:39:59.239 --> 0:40:02.240
<v Speaker 2>Headspace is only free for a certain amount of time, right, Yeah.

0:40:02.320 --> 0:40:05.160
<v Speaker 2>I was like, yeah, yeah, so this is just maybe

0:40:05.200 --> 0:40:06.759
<v Speaker 2>I'll start sharing because you guys do send us some

0:40:06.800 --> 0:40:10.080
<v Speaker 2>really nice notes sometimes that aren't questions, but I still

0:40:10.120 --> 0:40:12.920
<v Speaker 2>think it's fun to share them. So Christa says Tiffany,

0:40:13.000 --> 0:40:16.160
<v Speaker 2>I tried Headspace, but I ran into the same issue instead.

0:40:16.239 --> 0:40:19.200
<v Speaker 2>I decided I like the Calm app at c ALM.

0:40:21.200 --> 0:40:24.160
<v Speaker 2>There are paid versions, but I find sufficient. I find

0:40:24.160 --> 0:40:27.759
<v Speaker 2>this one sufficient at the free version. I also love

0:40:27.800 --> 0:40:30.280
<v Speaker 2>that you both talked about professional development in the workplace.

0:40:30.320 --> 0:40:32.960
<v Speaker 2>And receiving feedback even though you work in the for

0:40:33.080 --> 0:40:36.440
<v Speaker 2>profit space. My favorite tool of nonprofit management has a

0:40:36.440 --> 0:40:39.479
<v Speaker 2>lot of applications. It's a book called Managing to Change

0:40:39.520 --> 0:40:42.720
<v Speaker 2>the World by Green and Hauser. They run the Management

0:40:42.760 --> 0:40:45.319
<v Speaker 2>Center Excellent Tools. Thank you for all you do. You

0:40:45.360 --> 0:40:46.320
<v Speaker 2>make my week brighter.

0:40:47.000 --> 0:40:49.719
<v Speaker 1>Wow, I love that. Okay you said the commap. I'm

0:40:49.719 --> 0:40:52.319
<v Speaker 1>definitely going to download that because honestly, I have to

0:40:52.360 --> 0:40:56.160
<v Speaker 1>say headspace has worked just I don't know, it's like

0:40:56.200 --> 0:40:58.719
<v Speaker 1>a really great tone for the day for the most part.

0:40:58.760 --> 0:40:59.680
<v Speaker 1>I mean, you know, of course you have to day

0:40:59.760 --> 0:41:02.640
<v Speaker 1>like it. We're just like, oh, kill me, I'm dead.

0:41:02.719 --> 0:41:05.560
<v Speaker 1>My ghost is talking. But then you know, but it

0:41:05.719 --> 0:41:08.319
<v Speaker 1>just is a I want to continue to kind of

0:41:08.360 --> 0:41:11.719
<v Speaker 1>have that meditation down time every morning, and so I

0:41:11.719 --> 0:41:13.640
<v Speaker 1>can't wait. I think someone else. I feel like Drina,

0:41:14.120 --> 0:41:15.919
<v Speaker 1>my best friend and my publisher. I think I feel

0:41:15.920 --> 0:41:18.000
<v Speaker 1>like I told her headspace costs money and she was like, oh,

0:41:18.040 --> 0:41:19.640
<v Speaker 1>I like the comment to her. I feel like she

0:41:19.680 --> 0:41:21.960
<v Speaker 1>said that same app So great minds think a light.

0:41:22.080 --> 0:41:25.800
<v Speaker 2>Thanks thanks Christa. And the book is Managing to Change

0:41:25.800 --> 0:41:30.640
<v Speaker 2>the World, The Nonprofit Manager's Guide to Getting Results Dope

0:41:31.000 --> 0:41:34.000
<v Speaker 2>thanks to recommendation. Yeah, if you guys have recommendations for

0:41:34.040 --> 0:41:36.759
<v Speaker 2>books you're reading or apps that you like to use,

0:41:36.800 --> 0:41:39.000
<v Speaker 2>it help you with your finances or your career or

0:41:39.000 --> 0:41:41.040
<v Speaker 2>anything like that, you should definitely let us know. Send

0:41:41.120 --> 0:41:44.920
<v Speaker 2>us an email at Briannambition podcast dot com. You can

0:41:44.920 --> 0:41:47.160
<v Speaker 2>tweet us or hit us up on Facebook at the

0:41:47.160 --> 0:41:51.680
<v Speaker 2>Brown Ambition Podcast podcast pages, or check us out at

0:41:51.680 --> 0:41:53.640
<v Speaker 2>Brannambition podcast dot com.

0:41:54.040 --> 0:41:56.439
<v Speaker 1>Yeah, I think it's Brondambisson's podcast at gmail dot com.

0:41:56.520 --> 0:41:57.680
<v Speaker 2>Right, what did I say?

0:41:58.080 --> 0:42:01.040
<v Speaker 1>You said, Bronambition podcast dot com. That's the website.

0:42:01.320 --> 0:42:04.239
<v Speaker 2>Oh my god. Yeah, you guys.

0:42:04.680 --> 0:42:06.760
<v Speaker 1>I know, I caught it and caught it, but honestly,

0:42:06.880 --> 0:42:10.000
<v Speaker 1>I feel like the best place to go is briandhambitionpodcast

0:42:10.080 --> 0:42:12.839
<v Speaker 1>dot com because you can click contact us, you can

0:42:12.880 --> 0:42:15.520
<v Speaker 1>see all of our episodes and so everything is right there,

0:42:15.560 --> 0:42:17.840
<v Speaker 1>all of our social media handles and channels and stuff.

0:42:18.280 --> 0:42:20.120
<v Speaker 1>So that's like a great centralized location.

0:42:20.440 --> 0:42:21.480
<v Speaker 2>It's a one stop shop.

0:42:22.000 --> 0:42:22.439
<v Speaker 1>Mm hmm.

0:42:24.600 --> 0:42:26.600
<v Speaker 2>I ready wrap this up on our Wednesday with some

0:42:26.680 --> 0:42:28.960
<v Speaker 2>winds wins.

0:42:29.480 --> 0:42:36.320
<v Speaker 1>Okay, so my win. So actually Angela, Oh what is

0:42:36.360 --> 0:42:40.919
<v Speaker 1>Angela's last name? Angela cares? Oh, Angela, I can't remember

0:42:40.920 --> 0:42:44.960
<v Speaker 1>your last name. She's an assemblywoman in Jersey City. Oh,

0:42:45.000 --> 0:42:48.879
<v Speaker 1>Angela V. McKnight. She's an assembly women in Jersey City. Uh,

0:42:49.040 --> 0:42:51.160
<v Speaker 1>maybe a year and a half, maybe even two years ago.

0:42:51.239 --> 0:42:54.520
<v Speaker 1>She contacted me because she was newly elected, and she

0:42:54.680 --> 0:42:58.200
<v Speaker 1>was like, I want to pass a law about financial education,

0:42:58.320 --> 0:42:59.920
<v Speaker 1>and I said, I know just the one. So she

0:43:00.120 --> 0:43:02.279
<v Speaker 1>and I work on a law together because New Jersey

0:43:02.320 --> 0:43:05.120
<v Speaker 1>already has a law where you have to learn financial

0:43:05.239 --> 0:43:08.080
<v Speaker 1>education in high school. And I told her, honestly, it

0:43:08.080 --> 0:43:11.000
<v Speaker 1>should start as young as elementary school, so elementary and

0:43:11.040 --> 0:43:14.000
<v Speaker 1>middle school, that that should be a law. And so

0:43:14.080 --> 0:43:19.840
<v Speaker 1>we wrote it and submitted it to there's all of

0:43:19.840 --> 0:43:22.239
<v Speaker 1>these steps which I was learning, like it's basically like

0:43:22.320 --> 0:43:24.840
<v Speaker 1>junior Civics class, but i'll spare you all the details.

0:43:24.840 --> 0:43:26.560
<v Speaker 1>It goes to all these committees and voted up and

0:43:26.600 --> 0:43:29.640
<v Speaker 1>then voted up. So now it's finally going to the

0:43:29.680 --> 0:43:32.120
<v Speaker 1>Senate committee, which is a pretty big deal because it's

0:43:32.160 --> 0:43:35.840
<v Speaker 1>not too many steps after that. And so unfortunately I

0:43:35.840 --> 0:43:37.799
<v Speaker 1>won't be able to testify or to kind of like

0:43:37.840 --> 0:43:40.279
<v Speaker 1>speak because I'm going to be at a conference. But

0:43:41.000 --> 0:43:45.239
<v Speaker 1>she's super excited because she's been really pushing for this.

0:43:45.520 --> 0:43:47.360
<v Speaker 1>It's not a law yet, it's for it to become

0:43:47.480 --> 0:43:49.319
<v Speaker 1>a bill. I think it's a I think is it

0:43:49.400 --> 0:43:52.319
<v Speaker 1>a bill now, child, I don't know. I think it's

0:43:52.320 --> 0:43:54.080
<v Speaker 1>a bill. And then we're just basically pushing for it

0:43:54.120 --> 0:43:57.360
<v Speaker 1>to become a law. And if it's going to happen,

0:43:57.480 --> 0:44:00.879
<v Speaker 1>it will happen in January for it to officially become

0:44:00.880 --> 0:44:02.839
<v Speaker 1>a law. So right now, like I said, it's gonna

0:44:02.840 --> 0:44:04.759
<v Speaker 1>go before Senate. I probably do some tweets and some

0:44:04.840 --> 0:44:08.520
<v Speaker 1>posts about, you know, tweeting or emailing your your senator

0:44:08.560 --> 0:44:09.880
<v Speaker 1>for those of you who kind of live in the

0:44:10.120 --> 0:44:13.160
<v Speaker 1>Jersey area to tell them to vote for this law

0:44:13.200 --> 0:44:15.680
<v Speaker 1>because it's just a good law that it would make

0:44:15.719 --> 0:44:20.120
<v Speaker 1>it mandatory for them to be financial education for elementary

0:44:20.120 --> 0:44:22.040
<v Speaker 1>and middle school. And I'm just like, woo hoo. So

0:44:22.280 --> 0:44:26.920
<v Speaker 1>it's it's it's uh informally called the Budgetista law. I

0:44:27.000 --> 0:44:29.000
<v Speaker 1>was like, yes, they couldn't call it that legally because

0:44:29.000 --> 0:44:31.319
<v Speaker 1>the Budgetista is a business. But I'm like, whatever, that's

0:44:31.360 --> 0:44:35.520
<v Speaker 1>what we're calling it. So yeah, I'm just really excited

0:44:35.560 --> 0:44:37.120
<v Speaker 1>because that's huge, you.

0:44:37.080 --> 0:44:42.600
<v Speaker 2>Know, huge, you it's huge. I don't know why I

0:44:42.640 --> 0:44:43.040
<v Speaker 2>said that.

0:44:45.040 --> 0:44:49.680
<v Speaker 1>Oh my goodness, I needed that lap. It's huge, huge,

0:44:50.120 --> 0:44:51.920
<v Speaker 1>So yeah, I just want to say thank you Angela v.

0:44:52.040 --> 0:44:55.880
<v Speaker 1>Midnight for being such a champion for this. You know

0:44:55.920 --> 0:44:57.839
<v Speaker 1>it could not have happened with Dallian. Thank you for

0:44:57.880 --> 0:44:59.800
<v Speaker 1>like choosing me to work with you on it because

0:45:00.239 --> 0:45:03.400
<v Speaker 1>you know my passion for financial education and because we

0:45:03.400 --> 0:45:05.960
<v Speaker 1>can get the kids. Uh Like, all it takes is

0:45:05.960 --> 0:45:11.280
<v Speaker 1>one generation of like well financially educated children to shift

0:45:11.400 --> 0:45:14.399
<v Speaker 1>a whole community and culture. And so that is my aim.

0:45:14.640 --> 0:45:15.640
<v Speaker 2>I believe that.

0:45:21.000 --> 0:45:23.920
<v Speaker 1>Let that lead the way. Remember everybody knew that song

0:45:24.000 --> 0:45:24.759
<v Speaker 1>from beginning to end.

0:45:26.200 --> 0:45:28.040
<v Speaker 2>I can't say that I do anymore, but I definitely

0:45:28.080 --> 0:45:33.080
<v Speaker 2>know the beginning. Awesome. So I'm gonna win. I feel

0:45:33.080 --> 0:45:35.560
<v Speaker 2>like Pixar has become my therapists. They just teach me

0:45:35.600 --> 0:45:38.080
<v Speaker 2>how to feel, you know what I mean. And I

0:45:38.120 --> 0:45:40.640
<v Speaker 2>need to give a win for the new film called Coco,

0:45:41.440 --> 0:45:44.319
<v Speaker 2>because it is if you if you need something to do,

0:45:44.360 --> 0:45:46.120
<v Speaker 2>you want to get away from your family this holiday

0:45:46.120 --> 0:45:48.680
<v Speaker 2>season or whatever, bring the family together, go see Coco,

0:45:48.800 --> 0:45:51.120
<v Speaker 2>bring some tissues. It's just going to give you life.

0:45:52.080 --> 0:45:52.839
<v Speaker 2>Have you seen Coco.

0:45:53.840 --> 0:45:57.960
<v Speaker 1>I haven't, but I've seen like the the like commercials

0:45:58.000 --> 0:45:59.360
<v Speaker 1>oh it looks so good.

0:45:59.400 --> 0:46:01.760
<v Speaker 2>So cute. It's about so it takes place in Mexico,

0:46:01.800 --> 0:46:05.160
<v Speaker 2>and it's about Da de los Mortos, which happens on November.

0:46:05.440 --> 0:46:07.239
<v Speaker 2>Is it the second or the first? Every year? It's

0:46:07.239 --> 0:46:10.800
<v Speaker 2>like the day it's after Halloween, Halloween, but it celebrates it.

0:46:10.960 --> 0:46:13.120
<v Speaker 2>I didn't. I mean, I knew of Da de los Mortos.

0:46:13.120 --> 0:46:14.960
<v Speaker 2>I knew that it was like honoring the dead, and

0:46:15.000 --> 0:46:19.239
<v Speaker 2>you go visit, you know, your loved ones. I always

0:46:19.280 --> 0:46:21.319
<v Speaker 2>thought you went to the cemetery because I happened. I

0:46:21.400 --> 0:46:24.080
<v Speaker 2>was in South America during dyadalls Mortos one day and

0:46:24.120 --> 0:46:26.920
<v Speaker 2>there was like people visiting the cemetery and stuff. But

0:46:26.960 --> 0:46:29.360
<v Speaker 2>it's so much more than that. It's like you build

0:46:29.400 --> 0:46:31.759
<v Speaker 2>an altar for your loved ones and you put like

0:46:31.880 --> 0:46:34.440
<v Speaker 2>their favorite foods and things that you things that they

0:46:34.480 --> 0:46:36.800
<v Speaker 2>loved in life at the altar, and you light candles

0:46:36.800 --> 0:46:39.880
<v Speaker 2>and you remember them. And the movie is about a

0:46:39.880 --> 0:46:43.279
<v Speaker 2>little boy and how he I don't want to give

0:46:43.280 --> 0:46:44.759
<v Speaker 2>it away, but it's a little boy who wants to

0:46:44.760 --> 0:46:47.480
<v Speaker 2>play music, and of course his family doesn't want him

0:46:47.480 --> 0:46:51.880
<v Speaker 2>to for some like old family history reasons, and he

0:46:52.160 --> 0:46:55.919
<v Speaker 2>ends up stealing a guitar from a famous person who

0:46:56.040 --> 0:46:58.239
<v Speaker 2>is passed away and he ends up in the land

0:46:58.239 --> 0:47:00.000
<v Speaker 2>of the dead and has to find his way back

0:47:00.520 --> 0:47:03.440
<v Speaker 2>to his family. And it's just it's so good. I mean,

0:47:03.440 --> 0:47:05.759
<v Speaker 2>it sounds weird, but it's so good. It's like all

0:47:05.800 --> 0:47:08.000
<v Speaker 2>about the end of the The end of the movie

0:47:08.040 --> 0:47:09.840
<v Speaker 2>is all about how important it is for us to

0:47:09.880 --> 0:47:14.000
<v Speaker 2>listen to the stories, listen and remember people that we've lost.

0:47:15.480 --> 0:47:17.520
<v Speaker 2>Like if you don't leave thinking about your favorite grandma

0:47:17.520 --> 0:47:19.960
<v Speaker 2>who passed away, your favorite grandpa like I did, Like

0:47:20.719 --> 0:47:23.000
<v Speaker 2>you know, just it really just hits you right in

0:47:23.040 --> 0:47:23.520
<v Speaker 2>the fields.

0:47:23.520 --> 0:47:27.439
<v Speaker 1>Man, Oh Ruby, I remember Grandma Ruby.

0:47:27.520 --> 0:47:32.000
<v Speaker 2>Yeah, good old Grandma Ruby. Yeah. So that's my win.

0:47:33.280 --> 0:47:35.759
<v Speaker 1>Oh yeah that Actually, that's a looking really good movie.

0:47:35.760 --> 0:47:37.160
<v Speaker 1>Maybe I'll take home Supergirl.

0:47:37.440 --> 0:47:39.239
<v Speaker 2>That's why I love the holidays. The best movies come

0:47:39.280 --> 0:47:40.040
<v Speaker 2>out this time of year.

0:47:40.600 --> 0:47:43.280
<v Speaker 1>Yeah they do. I mean, I'm not gonna lie. Lifetime

0:47:43.320 --> 0:47:46.560
<v Speaker 1>has been going over dry. It's like, you know, Santa

0:47:46.640 --> 0:47:51.080
<v Speaker 1>has a Christmas Christmas Love Holidays of the Hill. I'm like, okay,

0:47:51.200 --> 0:47:52.160
<v Speaker 1>we get it.

0:47:55.800 --> 0:47:59.680
<v Speaker 2>All right, Well, okay, one more week, y'all. Yes, so

0:47:59.840 --> 0:48:04.200
<v Speaker 2>the holidays begin, well, continue, we can make it. You

0:48:04.200 --> 0:48:06.480
<v Speaker 2>can do it. Deep breaths You can't do everything in

0:48:06.520 --> 0:48:07.120
<v Speaker 2>one day.

0:48:07.960 --> 0:48:10.359
<v Speaker 1>Now, you cannot. You just have to know that, and

0:48:10.360 --> 0:48:13.799
<v Speaker 1>it's okay, heart, yes, And just know if something doesn't

0:48:13.840 --> 0:48:15.839
<v Speaker 1>get done, what's the things that that could not get

0:48:15.840 --> 0:48:17.480
<v Speaker 1>done and still be okay? Just do the things that

0:48:17.680 --> 0:48:18.319
<v Speaker 1>must get done.

0:48:19.840 --> 0:48:24.720
<v Speaker 2>Absolutely, okay, I'm ready, okay for the end of the show.

0:48:27.360 --> 0:48:31.239
<v Speaker 1>Now it's time to say goodbye to all our family.

0:48:31.640 --> 0:48:35.879
<v Speaker 1>B r ol wn and bit Shine.

0:48:36.600 --> 0:48:38.680
<v Speaker 2>You're gonna get us hit with like a trademark lawsuit

0:48:38.760 --> 0:48:41.120
<v Speaker 2>or something a soon.

0:48:41.400 --> 0:48:42.480
<v Speaker 1>Well we're not selling it.

0:48:42.880 --> 0:48:45.239
<v Speaker 2>I guess that's true.

0:48:46.000 --> 0:48:46.319
<v Speaker 1>All right.

0:48:46.360 --> 0:48:50.239
<v Speaker 2>Yeah, happy holidays, Happy holidays, Alight, eat some dinner, We

0:48:50.239 --> 0:48:53.719
<v Speaker 2>eat some bloody beat burgers. Yeah.

0:48:56.920 --> 0:48:57.160
<v Speaker 1>Sorry,