Speaker 1: Hey, hey, hey, oh the wine down. How are you feeling?
Speaker 2: I'm feeling good. I can't believe next week I'm gonna
Speaker 2: be leaving to visit my family for the holidays already.
Speaker 2: And like Christmas is that Sunday this year? Is it
Speaker 2: a Sunday or a Monday? Christmas Eves a Sunday? I think, wow, yeah,
Speaker 2: it's all happening. I feel like this is like the
Speaker 2: I feel like everyone out there, if you're working, this
Speaker 2: is to take a deep breathed week, because it's like
Speaker 2: you're looking at the calendar and you feel like you're
Speaker 2: in like the you know the movie scene where like
Speaker 2: the walls are pressing in on you and you're like
Speaker 2: you're gonna get Like that feels like what's happening right
Speaker 2: now because you're like, oh my god, I have to
Speaker 2: get everything done before ye Christmas time, and I'm not
Speaker 2: gonna make it. I'm gonna die. This is where I'm
Speaker 2: gonna die.
Speaker 1: I'm dead, yeah exactly. I feel like my ghost is
Speaker 1: right here. This is my ghost. This is not my
Speaker 1: real person, and this is my ghost. I'm like, I
Speaker 1: don't know. Every year that I do the challenge, my
Speaker 1: liverature challenge, around this time. I'm like, why did I
Speaker 1: choose this end of the year like again, because on
Speaker 1: top of everything else, it's like people are winding down
Speaker 1: and the challenge is making us wind up. You know.
Speaker 2: Yeah this is and people stop instoring their email this
Speaker 2: time of year. It's hard to get stuff done this
Speaker 2: time of year. But I know, I said, I'm fine.
Speaker 2: Maybe I'm not fine, you know what I am? I
Speaker 2: am fine because I feel like that training I did
Speaker 2: last week, I have literally I don't know. I've just
Speaker 2: been so at peace being back at work, Like nothing's
Speaker 2: really changed in terms of my workload, but my perspective
Speaker 2: has shifted a little bit. I just keep reminding. I
Speaker 2: just keep saying to myself, like I have internal dialogue,
Speaker 2: and I'm like, you can't do everything today. It's just
Speaker 2: not possible. You can only do a few things a day.
Speaker 2: I love one of the one of the things that
Speaker 2: are And for those of you who didn't listen to
Speaker 2: last week's show, I was at a week long training
Speaker 2: at the pointer Or Institute, which is this really renowned
Speaker 2: organization that trains journalists around the country. UH with any
Speaker 2: national Association of Black Journalists, but anyway, like one of
Speaker 2: the things. So one of our mentors was Mizelle Stewart,
Speaker 2: who runs USA Today, the entire network of one hundred newspapers,
Speaker 2: and he looked at us and he was like, when
Speaker 2: you get to work, you have to ask yourself, what
Speaker 2: is it that only I can do when you're like
Speaker 2: prioritizing your day? And I was like, that is I
Speaker 2: don't know. It really clicks something in me because I
Speaker 2: feel like, and especially if you're bad at delegating, you
Speaker 2: get to your work, you get to the office and
Speaker 2: you immediately start at least okay, I'll just talk about
Speaker 2: myself here. I immediately will start looking at my to
Speaker 2: do list, and I'm doing a bunch of stuff for
Speaker 2: other people and helping other people or doing things that
Speaker 2: other people on the team could be doing on their own.
Speaker 2: And I'm like pushing, I'm putting off things that only
Speaker 2: I could be doing that are like more high level
Speaker 2: because I'm like getting stuck on the small stuff that
Speaker 2: I should be delegating. And when he said that, I
Speaker 2: literally I got to work yesterday, what today is Tuesday?
Speaker 2: Yesterday and today? And I was like, what can only
Speaker 2: I do? And it really has helped me be less
Speaker 2: frazzled at work, Like instead of getting to the office
Speaker 2: and editing and editing all the stories that I have
Speaker 2: a managing editor to help me with, I focused on
Speaker 2: big level things like higher and we have two open
Speaker 2: positions right now, and I really need to like get
Speaker 2: through resumes and get interview set up, and I focus
Speaker 2: on doing that first instead of the little shit that
Speaker 2: I would do in the morning, you know, like the
Speaker 2: small stuff. And I just like, just by flipping my
Speaker 2: day around, I just felt less like harassed and less stressed.
Speaker 2: And I'm like, dang, that was that. That whole week
Speaker 2: just changed my entire like mentality around how I'm working.
Speaker 2: And I'm really really excited for to like start rolling
Speaker 2: out some changes at the office slowly so they don't
Speaker 2: get overwhelmed.
Speaker 1: They're like, oh, god, she went to a conference, you know,
Speaker 1: but it's no.
Speaker 2: I know, we were all laughing about that. We're like,
Speaker 2: what you what you're not going to do is get
Speaker 2: there and start spreading the gospel right away. They're going
Speaker 2: to think you're like a zealot, but we're like, we're
Speaker 2: talking the people who did the thing and were like strategizing.
Speaker 2: So on the first day, I'm only going to do
Speaker 2: this like today, I just brought it. I bought a
Speaker 2: massive point SETA because her office is so white and
Speaker 2: so stark, and I'm always like complaining about it, so
Speaker 2: drabbing here, and I'm like, why don't I just do
Speaker 2: something about it? And I bought this massive point SETA
Speaker 2: and the whole thing just cheered everything up. Everyone's like, oh,
Speaker 2: look at this, and you know it's just that little thing.
Speaker 2: Little they know there's more coming.
Speaker 1: Are really are really pretty. I love point settus cool.
Speaker 1: Just they just they just add like a nice little
Speaker 1: holiday touch. So I you know, I spoke at that
Speaker 1: that women's conference, the Massachusetts Wmen's Conference is one of
Speaker 1: the largest conferences in the in the nation, and everybody
Speaker 1: was like, how Mayby, I said, Hi, I love my ambition.
Speaker 1: I'm like what. It was so awesome. Honestly, it was
Speaker 1: so awesome how many women there listening to brown ambition?
Speaker 1: Because I just feel like I'm talking to you, And
Speaker 1: I was like, what you listen? They're like every week
Speaker 1: or like, people just reiterating the things that like, you know,
Speaker 1: we shared like and then tell many I said this,
Speaker 1: and don't worry about your surgery and did you get
Speaker 1: the house, I'm like, oh my gosh, you guys really listen.
Speaker 2: That's so nice to hear.
Speaker 1: Yeah, that was really awesome. I mean like honestly a
Speaker 1: bunch of women. I really was like, Wow, we really
Speaker 1: got some listeners out there.
Speaker 2: One of the guys that came that was in the
Speaker 2: same training as us, he was like he was so quiet,
Speaker 2: and then I finally sat at his table and he
Speaker 2: was like, Mandy, I love Brown Ambition. I was like,
Speaker 2: who are you, Marshall?
Speaker 1: What a Jamal another.
Speaker 2: Jamal Marshall from good old Birmingham, Alabama. When now he's
Speaker 2: in Atlanta. I was like, thank you Marshall. That's so nice.
Speaker 1: Wow. You just never know, like, yeah, I just love
Speaker 1: that when people come up to me and say that.
Speaker 1: I'm just like, so do the more, because you know,
Speaker 1: it makes such feel good to know that we're out
Speaker 1: here in these streets and people are listening and appreciating.
Speaker 2: Yeah. So you've got the Liverature Challenge coming up.
Speaker 1: Yes, this is I'm really excited because I really try
Speaker 1: to listen to what people from the previous challenge today
Speaker 1: because we always ask survey questions like you know, what
Speaker 1: did you like well, didn't you, like, what do you
Speaker 1: want to learn? And it seemed like the theme for
Speaker 1: Dreamcatchers for twenty seventeen was really like make more money,
Speaker 1: side hustle, that kind of thing, and so I kind
Speaker 1: of decided that I was going to elevate that to
Speaker 1: net Worth. So this is a net Worth edition.
Speaker 2: And this is the challenge third or fourth year.
Speaker 1: Fourth this is the fourth year, so I'm like ooohoes.
Speaker 1: And so the challenge is free like it always is,
Speaker 1: and it's three weeks of daily tasks delivered to you
Speaker 1: via your email. It should be up hopefully by the
Speaker 1: time this is live at LRC for liverat or Challenge
Speaker 1: Networth dot com, So LRC network dot com. It starts
Speaker 1: live January first, So you sign up, you'll get like
Speaker 1: a confirmation email, then like a survey to like a
Speaker 1: registration survey to fill out, and then starting January first,
Speaker 1: we will all be getting the same emails together every
Speaker 1: morning and we'll work through all of the tasks. If
Speaker 1: there's twenty two tasks, we'll work through them together. And
Speaker 1: the task will lead you to like a plan toward
Speaker 1: having a stronger network. So networth is less debt, more assets,
Speaker 1: and so that's what I want for you for twenty eighteen.
Speaker 2: Fabulous. I might need to get on this challenge this
Speaker 2: year might be my challenge.
Speaker 1: I'm so excited about it, and so I told myself
Speaker 1: because it is such a beast, I don't think people
Speaker 1: realize all the moving parts. Even now, we're still you know,
Speaker 1: scrambling to get things together in time. But I decided that,
Speaker 1: so I'll do five challenges, So this will be the
Speaker 1: second to last one. I'll do the fifth one, and
Speaker 1: then what I'll do is we'll just we'll revamp the
Speaker 1: first one and do them in order again, so we'll
Speaker 1: still do them every year, but I'm not going to
Speaker 1: come up with a brand new one because it's just honestly, like,
Speaker 1: I love doing it because it's free, and like I said,
Speaker 1: I continue to do it, but the it is so
Speaker 1: labor intense, like it's just nothing like it and I'm like,
Speaker 1: all right, like I feel like passing out right now. Yeah,
Speaker 1: So I just said, you know what, one more challenge
Speaker 1: and then we'll just loop start from the beginning, like, okay, fundamentals,
Speaker 1: then the Savings Edition and the Credit edition, the net
Speaker 1: Worth and whatever the fifth one will be and we'll
Speaker 1: just every five years we'll start the loop all over again,
Speaker 1: so we can continue to serve, but in a way
Speaker 1: that doesn't like kill me personally.
Speaker 2: What do you get for completing all five challenges? Ooh?
Speaker 1: Why you should get something? You should get like some
Speaker 1: sort of gold star thing.
Speaker 2: You should get a little badge like in brownies.
Speaker 1: Yeah, you should. That should be dope. But I have
Speaker 1: to figure that.
Speaker 2: Out, Like, yeah, one more thing for you to do.
Speaker 2: Figure that out.
Speaker 1: You know when people tell you that, they'll say like
Speaker 1: stuff like, oh, tivity real quick, and I'm like, uh,
Speaker 1: there's no such thing. It's real quick because I have
Speaker 1: to stop what I'm doing, do the thing that you ask,
Speaker 1: and then somehow get back you know. So yeah, I mean,
Speaker 1: such his life.
Speaker 2: Well, I'm excited for the Liberature Challenge. What is that?
Speaker 2: Lrcnetworth dot com mm hmm holla. What else is happening
Speaker 2: in the world.
Speaker 1: I don't know. I'm not even gonna lie. I have
Speaker 1: not been like on like social media too much. I
Speaker 1: know the New Year's coming now.
Speaker 2: Yeah, the holidays are coming. I can't Yeah, I've I
Speaker 2: kept I talked a big game about not wanting to
Speaker 2: do gifts and I do this, I might do this
Speaker 2: every year, like I should know myself by now, like
Speaker 2: Christmas is stupid. It's not about gift giving. Why are
Speaker 2: we doing this? And then I'm like, oh oh, but
Speaker 2: I like this for that person, and I like this
Speaker 2: for this person, and I just love giving gifts. I
Speaker 2: can't stop, like throughout the year even I just love
Speaker 2: sending stuff to people. I mean, I'm not going to
Speaker 2: go crazy, but my family we did decide we're going
Speaker 2: to do white Elephant instead of everyone gets a gift.
Speaker 2: Because we're like adults now and nobody has kids. It
Speaker 2: feels kind of silly to get your adult siblings something
Speaker 2: for nothing. Do you know White Elephant.
Speaker 1: Yeah, that's like when everybody gets like a general gift
Speaker 1: and then you kind of like pick from it.
Speaker 2: Right, Yeah, it's really fun. Well, it's like white Elephant
Speaker 2: or Yankee Swap, and it's where everybody brings a gift,
Speaker 2: and it's like you want the gift to be kind
Speaker 2: of quirky, but something that you still would want for yourself. Like,
Speaker 2: don't do what my little brother did in Christmas of
Speaker 2: two thousand and nine when he brought laundry detergent balls
Speaker 2: as a gift like did not fail. That failed that
Speaker 2: everyone Christmas. Everyone was like I've never seen my mom
Speaker 2: was so mad. They got in the biggest fight. So
Speaker 2: bring a good gift. Yeah yeah, but then you like
Speaker 2: draw numbers and then you you pick the gifts in
Speaker 2: order and you can steal from each other and it's
Speaker 2: like really fun.
Speaker 1: Oh that's why I think I've seen that part. But
Speaker 1: I still honestly that link that you gave me draw
Speaker 1: names dot com it's still bay. It is like the
Speaker 1: best thing awesome. So my sisters and idly love it.
Speaker 1: So I have my person even though. So the fun
Speaker 1: thing about draw names one it's free and two because
Speaker 1: like where it's just the five of us, So I
Speaker 1: can go in and be like same list as last year.
Speaker 1: And the only rule is like that you can set
Speaker 1: the rule. The rule is I cannot get the same
Speaker 1: person I got last year. So when we used to
Speaker 1: like we used to literally meet up for Thanksgiving and
Speaker 1: pull names from a from a hat, but then you
Speaker 1: might still get the same person again, you know. Yeah,
Speaker 1: and you know so with this no, you know, you
Speaker 1: definitely don't get the same person and they get to update.
Speaker 1: Like so for example, the system that I have. Apparently
Speaker 1: every day she decided something new that she wants. So
Speaker 1: every time they update their list of what they want,
Speaker 1: you get an email. I'm like, really, dude, oh.
Speaker 2: You can put a list of things that you want
Speaker 2: on there.
Speaker 1: Yeah, so you can put like your your you could
Speaker 1: put like your what is it called. You're like, so
Speaker 1: first you put your budget and then you're like, oh,
Speaker 1: you know, I have whatever amount of money, you know,
Speaker 1: fifty I think we did fifty dollars for our budget.
Speaker 1: And then I said, you can, you know, write down
Speaker 1: three to five things that you want you want like
Speaker 1: that would be within that budget. And like, I feel
Speaker 1: like every day it's like it'll send me a message
Speaker 1: like hey, your secret sad person updated they're giftless. I'm like, really,
Speaker 1: I'm like, decide one thing. So hopefully she's yeah, she's
Speaker 1: picked out what she wanted. But honestly, I just love
Speaker 1: it because it makes it easier. I'm just gonna hopefully.
Speaker 1: I think I'll try to order something today from Amazon
Speaker 1: for her, and I think she'll love it because, you know,
Speaker 1: do something she picked out.
Speaker 2: Do you want to know my trick for getting gifts
Speaker 2: for husbie. So it's kind of creepy and I probably
Speaker 2: could get in trouble, but it does. It's not I'm
Speaker 2: not doing it because I don't trust him. I literally
Speaker 2: just think this is the best way to find out
Speaker 2: what your significant other wants is to just look at
Speaker 2: their browser history. Like he's so, I know, I know,
Speaker 2: I like, I know it could go the other one.
Speaker 2: I know it's like terrible, but it works for us
Speaker 2: because my husband's so boring. There's nothing interesting in there.
Speaker 2: It's just like shoes, pants, suits.
Speaker 1: Like I'm not kidding, I'm pretty sure I know it's
Speaker 1: in Superman. Is that in cars? I'm not buying him.
Speaker 2: A car, but I like, I don't like to ask
Speaker 2: people what size they wear. I really want them to
Speaker 2: be truly surprised. So for me, it's like I can
Speaker 2: go into search history. I can see what size he
Speaker 2: was looking at, what color, what pattern he was looking
Speaker 2: at for his hope he's not listening.
Speaker 1: I have.
Speaker 2: I mean, I seriously, I've When we first started dating,
Speaker 2: I tried to find the dirt. There is no dirt.
Speaker 2: He's just like the straight and narrow anyway. So but
Speaker 2: if the thought of checking your significant others browser history
Speaker 2: like sends you into hives. Maybe don't do it, but
Speaker 2: for me it works. You could also do what we
Speaker 2: used to do, which was like use pinterest and pin stuff,
Speaker 2: but uh, this works too, And now I can see
Speaker 2: all the ridiculous things he looks up on YouTube, Like,
Speaker 2: I had no idea. He was looking up like fifteen
Speaker 2: different videos on how to iron, how to clean and iron.
Speaker 1: Wow, I'm not kidding. Ah, go leave right would be
Speaker 1: a bad influence on him.
Speaker 2: I'm like, uh, keep him apart, keep him apart.
Speaker 1: No, that's actually that's a good idea.
Speaker 2: Though. I also feel like this is the time of
Speaker 2: year when we all reflect on what we're going to do.
Speaker 2: You know, as cliched as it is, it is nice
Speaker 2: to like take a deep breath and look at the
Speaker 2: year ahead and think about things we're going to do
Speaker 2: in our lives. Plans, we have, goals, we have. Do
Speaker 2: you want to talk about some of your I mean,
Speaker 2: I don't want to say that our word, but some
Speaker 2: of your goals or ambitions for twenty twenty eighteen.
Speaker 1: Yes, So probably my biggest obviously is to have my
Speaker 1: house finally. I'll just when we finally get it, that's
Speaker 1: when I'll play you guys, because I'm over it, but yes,
Speaker 1: to have my house and hopefully have the second house
Speaker 1: working on and I'm going to wait to give to
Speaker 1: give the blow by blow when that's finally done as well,
Speaker 1: but to have two houses by next year, and to
Speaker 1: take of course the businesses to the next level. But
Speaker 1: really my most exciting project for me, I really want
Speaker 1: to launch my children's book project, and so that's like
Speaker 1: my biggest desire for twenty eighteen. It's for me to
Speaker 1: fully launch the Molly More book series, which will teach
Speaker 1: pre financial education to kids three to six. And I'm
Speaker 1: so excited about it. I even figured out, like I
Speaker 1: was talking to a friend of mine. She was like, oh,
Speaker 1: how do you spell Molly? I said, well, I was
Speaker 1: gonna spell at m O l y, but that was
Speaker 1: taken well because there's actually like a Molly More, like
Speaker 1: a journalist who's named that, and so I didn't want
Speaker 1: to take that name, and so I decided m m
Speaker 1: O ll i E. And she's like, oh, because my
Speaker 1: daughter has a best friend and she spells her name
Speaker 1: Molly m Ali like the African country, and I was like, oh,
Speaker 1: so shall I. It was like a life all moment,
Speaker 1: and so how dope is that? Because I really want
Speaker 1: Molly Moore to be like the door the Explorer, you know,
Speaker 1: like the next door of the Explorer, this little cute
Speaker 1: brown girl with the fro, and her name is Molly,
Speaker 1: but it's m A l I, So her name is
Speaker 1: Molly Moore. Of course I ran and I jumped, and
Speaker 1: I got mollymore dot com, I got you know, her Instagram,
Speaker 1: her Twitter, all of it. So so I just excited because
Speaker 1: I'm just like, oh my gosh, she just gave me
Speaker 1: like the best idea. And so that's my big like
Speaker 1: goal for twenty and eighteen. It's you know, of course
Speaker 1: I have financial goals, but to me, I feel like
Speaker 1: I've I've accomplished most of my financial goals. Now I'm
Speaker 1: really wanting to make like some deep seated changes in
Speaker 1: our community through some projects. And that's my biggest one.
Speaker 2: M I can't wait for Molly Moore.
Speaker 1: I think she's gonna be so adorable. I'm gonna like
Speaker 1: when it's like, you know, closer to I'll share the picture. Well,
Speaker 1: I'll share the picture of you anyway, because you know
Speaker 1: we're friends. But I think I think you think she'll
Speaker 1: so she's so adorable.
Speaker 2: Well from a fellow last year. First name, so with
Speaker 2: an eye. I appreciate that she's going to have Molly
Speaker 2: with an eye, Yes, Molly.
Speaker 1: What about you?
Speaker 2: Well, I actually have you. Guys know. I'm working on
Speaker 2: a book, a novel that I've been working on for
Speaker 2: a while, so my but I don't think i'll probably
Speaker 2: finish it realistically in twenty eighteen. But my goal is
Speaker 2: definitely to keep working on it. This time last year,
Speaker 2: I had the idea for the book, and I'm at
Speaker 2: least proud to say that I did not like I've
Speaker 2: actually stuck to it and it hasn't changed so much
Speaker 2: because I've had like a gajillion ideas before and I
Speaker 2: just never really do anything with it. But I'm still
Speaker 2: I'm still trucking away. It's going to probably take another year,
Speaker 2: probably a couple more years. But one of my goals
Speaker 2: is just to consistently write outside of work. But I
Speaker 2: don't think I'll be able to do that unless I
Speaker 2: hit my other goal, which is to continue to improve
Speaker 2: myself as a manager at my office so that I
Speaker 2: actually have something left to give to my to my
Speaker 2: to the things that made me happy after work, because
Speaker 2: I come home, and I'm so tired, and like, if
Speaker 2: you're staring at a computer and you're writing and typing
Speaker 2: all day, the last thing you want to do is
Speaker 2: come home and do that some more. And I can't.
Speaker 2: I don't really have anything to give to my like
Speaker 2: creative projects outside of work. But I think, like I'm
Speaker 2: not kidding when I like, I just feel like things
Speaker 2: are starting to click. I'm getting much better at dealing
Speaker 2: with you know, becoming a manager and building a team
Speaker 2: and stuff, and I just feel like the better I become,
Speaker 2: the more energy I'll have for everything else in my life.
Speaker 2: So that's one of my primary goals. Financial goals, financial goals,
Speaker 2: financial goals. I know everyone's like word a house at
Speaker 2: because you know, my husband really wants a house. I
Speaker 2: wouldn't call that a goal for sake, because I'm still
Speaker 2: like not into the idea. But I guess we're going
Speaker 2: to buy a house next time. I mean, I guess
Speaker 2: it's probably going to happen. But I feel really prepared,
Speaker 2: So I guess my goal is to like not screw
Speaker 2: that up, like, don't do anything in my find, you know,
Speaker 2: because mortgage like mortgage lenders, I know you didn't get
Speaker 2: a mortgage. But for people who get mortgages, like any
Speaker 2: little thing you do with your money, like the six
Speaker 2: months before you apply for a mortgage, you know, like
Speaker 2: it can easily throw your application off and ruin things
Speaker 2: for you, like anything like transferring a big sum of
Speaker 2: money into your savings. Like let's say your parents give
Speaker 2: you help with the down payment and not like minor,
Speaker 2: but just in case you guys have like a family
Speaker 2: who's giving you a gift like five thousand dollars or whatever,
Speaker 2: if you just put that in the bank, you know,
Speaker 2: a month before your sets to close, that can really
Speaker 2: throw your application at a whack. And because they don't
Speaker 2: want to see any sort of large transaction happening close
Speaker 2: to one you're about to close in your loan, Yeah,
Speaker 2: opening new credit, Like I'm thinking about this kind of stuff,
Speaker 2: Like I'm not opening any new credit. We're done. This
Speaker 2: is our credit cards, the new Uber visa cards out.
Speaker 2: I don't care not getting it. I don't want to.
Speaker 2: I'm just trying to like make sure we have a
Speaker 2: clean report card so we're in good shape. And at
Speaker 2: least that part, I know, you know, Like there's so
Speaker 2: much more stuff that can go wrong when you're buying
Speaker 2: a house, so I'm just trying to make sure the
Speaker 2: mortgage process at least it's so yeah, yeah.
Speaker 1: Because that can really hold you up. So like something
Speaker 1: actually wrote me today like, hey, I opened a bank
Speaker 1: account with Ally, a savings account, and my credit score
Speaker 1: dropped three points. So I'm like, uh, pretty sure that
Speaker 1: that's not related. But I said, you know, you know,
Speaker 1: I said, well, let me just check, because it threw
Speaker 1: me for a loop. She seemed like upset, like you
Speaker 1: said Ally wasn't gonna do a hard pool. I'm like,
Speaker 1: safets accounts don't do hard pools. Let's say you know what.
Speaker 1: Let me. I was like text chatting with Ally just
Speaker 1: to be on the safe side, and they said they
Speaker 1: do check obviously, credit check systems, which is what I
Speaker 1: call the Nana Naboo boo of like banks where banks
Speaker 1: if you overdraft and don't pay and all this kind
Speaker 1: of stuff, they can report you to check systems. And
Speaker 1: that's where banks checks to see if you've been put
Speaker 1: on the detention list and they won't let you into
Speaker 1: their bank, right And so you know, they were like, yes,
Speaker 1: we check check systems, but that check does not affect
Speaker 1: your credit score. So I don't know why her credit
Speaker 1: score drop eight points, but it wasn't because you open
Speaker 1: a savings account. So and I think people always get confused.
Speaker 1: You find that that people get confused, Like somebody will say, so, Tiffany,
Speaker 1: how many points will I gain if I do this?
Speaker 1: And I'm like, yeah, that's how that works, because your
Speaker 1: credit is like you're literally like your financial GPA, like
Speaker 1: in school. So that's like saying, if I get an
Speaker 1: A and RT, what's my GPA for the year going
Speaker 1: to be? Well, it all depends on the other classes,
Speaker 1: and not just the classes from that semester, but the
Speaker 1: classes from the previous years. So your credit score is
Speaker 1: really just your financial GPA. So there's no way for
Speaker 1: one single person to tell you if you do this
Speaker 1: one thing. These are exact number of points you're gonna
Speaker 1: get that It's an average of all of your financial choices.
Speaker 1: So all I can say is the more the better.
Speaker 1: If you can multiply the number of financial choices, like
Speaker 1: do more positive financial choices then negative will, then your
Speaker 1: score is going to go up. There's no number that
Speaker 1: somebody can choose for you.
Speaker 2: Yeah, and also she shouldn't. I mean, there's so many
Speaker 2: things that could have caused an eight point drop on
Speaker 2: her score, Like I'm sure if she was checking her
Speaker 2: score in like credit CARDMA or whatever. If those websites
Speaker 2: even change the way that they calculate scores, it could
Speaker 2: have a marginal impact on scores on the estimate that
Speaker 2: you're getting, So it may not even be something that
Speaker 2: you've done. Or maybe she like spent more on her
Speaker 2: credit card this month and her utilization rate it went
Speaker 2: up a little bit. But also, like eight points, I
Speaker 2: don't think anyone should be following their credit score to
Speaker 2: where they're like, oh my god, it moved up and
Speaker 2: down one point. Yeah, I don't think that that is
Speaker 2: productive at all.
Speaker 1: It's not. And I mean, well, I'll say this that
Speaker 1: if you're on the CUSP, so anything above really like
Speaker 1: seven forty seven fifty, you're going to get the best
Speaker 1: interest rate. So if you have a seven forty exactly
Speaker 1: and you lose eight points right before you're about to
Speaker 1: apply for a mortgage, I can understand. But let's just
Speaker 1: say you have seven seventy eight points, like you're not
Speaker 1: going to get like a less of a great interest
Speaker 1: rate because you're eight points. It's like basically like if
Speaker 1: you are in the minuses. So if you're getting an A,
Speaker 1: B minus or C minus in in credit, then yes,
Speaker 1: you're on the cuff. And like, eight points can definitely
Speaker 1: bring you down the grade level. But if you're solidly
Speaker 1: in A, then you're gonna be fine.
Speaker 2: Yeah. Was she solidly in A? Or was she like
Speaker 2: on the cusp of good and best?
Speaker 1: She didn't say. She just said tivioty. I wasn't sure she.
Speaker 2: Was your fault.
Speaker 1: She said, you said Ally was good. I signed up
Speaker 1: and I dropped eight points, and I'm like, I'm.
Speaker 2: Not related at all, but.
Speaker 1: I think so let me let me take a screenshot
Speaker 1: of my conversation with Ally, and so I did, and
Speaker 1: I was like, hey, so I'm sure you did drop
Speaker 1: eight points, but likely wasn't because of the savings account.
Speaker 2: Man, hey, I've created a monster. Actually, and my husband
Speaker 2: has better credit than me. Now his scores higher than mine.
Speaker 2: It's not there. It's my fault. It's really my fault.
Speaker 2: I mean, it's not fair, but also was my fault
Speaker 2: when we got when we got our auto loan, we
Speaker 2: paid the car off, but when we got the auto loan,
Speaker 2: it was just in Enriquez name and at the time,
Speaker 2: I was like, this is just going to be your thing.
Speaker 2: I want nothing to do with this vehicle. I don't care.
Speaker 2: I don't care. And I think that it really helped
Speaker 2: his mix of credit, and I think that's what's giving
Speaker 2: him an edge, and I don't have I don't have
Speaker 2: a good mix of credit on my file. Like damn, okay,
Speaker 2: I really messed myself up. I mean, it's time. But
Speaker 2: he sure is strutting around the house with his eight
Speaker 2: hundred credit score just just loving it, just loving And at.
Speaker 1: One point he had his credit because my credit score
Speaker 1: for a long time was like stuck at like seven thirty,
Speaker 1: seven forty, and I got him to seven fifty and
Speaker 1: because I had like mark foreclosure and so now that
Speaker 1: even my foreclosure is like in its last leg, I'm
Speaker 1: an eight oh two two now now that I don't
Speaker 1: know if it's fallen off or like basically it's not
Speaker 1: affecting it like the way it used to. So I'm like, yay,
Speaker 1: I'm back where I should be. On tap.
Speaker 2: Seven years goes by so fast. Everything I did with
Speaker 2: my bad with my credit was about seven years ago
Speaker 2: when I first got when I graduated college, well, I
Speaker 2: guess I was like eight years ago, but I'm finally.
Speaker 2: The reason on my score is like been so high
Speaker 2: is because I miss, like, you know, get out of college.
Speaker 2: You miss your first few student loan payments, and it
Speaker 2: really screwed me up for then, it screwed me up,
Speaker 2: but it was like holding me back all this year,
Speaker 2: and it's been really nice to see those drop off.
Speaker 1: Yeah. Yeah, you're right. I think a lot of people
Speaker 1: do like in your because now once you get into
Speaker 1: your thirties, hopefully you've left those ways behind. Well, I mean,
Speaker 1: let me not say that, because Lord knows, I've made
Speaker 1: mistakes of my thirties.
Speaker 2: You need customers, don't you.
Speaker 1: Yeah, I know, and I've made mistakes of my thirties,
Speaker 1: and I continue to just less mistakes. We'll just say that, the.
Speaker 2: Less big mistakes.
Speaker 1: Yeah, are we ready to brown break or brown booth oose?
Speaker 2: So ready?
Speaker 1: Are you gonna rake or to boost?
Speaker 2: I want to boost. I want to boost a young
Speaker 2: man who is only twenty four years old, and I
Speaker 2: cannot freaking believe it. But have you been seeing Chance
Speaker 2: the Rapper just like saving the world?
Speaker 1: No, I haven't. No, I mean a little bit. I
Speaker 1: know that he gave a million dollars to Chicago school system.
Speaker 2: Yeah, but like recently, I mean, yes, he did that
Speaker 2: and that was a big deal. But he just doesn't stop,
Speaker 2: like when is he going to run for president? And
Speaker 2: also how was he twenty four years old? Twenty four,
Speaker 2: twenty four? I mean, I just want this. I feel
Speaker 2: like he's being I don't know, it's just amazing, but
Speaker 2: he So the story this week was that he went
Speaker 2: to a Chicago high school and surprised all the kids
Speaker 2: with Jordan sneakers, which.
Speaker 1: I so cool. I know, you're like, right, I'm like,
Speaker 1: is that a is that a thing? I guess, I'm right,
Speaker 1: kids like Jordan's right.
Speaker 2: I guess. I mean, I'm glad he didn't start off
Speaker 2: by giving the kids Jordan's like, he actually put money
Speaker 2: into the school system first, you know, sending the right message.
Speaker 2: But I just I think, you know, he's like a
Speaker 2: rare bright spot in all the media lately, and my
Speaker 2: little brother is a huge chance the rappers stands. So
Speaker 2: I'm trying to pander to him a little bit with
Speaker 2: this brown Boost So brown boost do good celebrities.
Speaker 1: Yeah, that is awesome. Well mine is gonna be well, actually,
Speaker 1: mine is gonna be a boost to Alexa. I actually
Speaker 1: put this on our brand ambition page on Facebook. Plug
Speaker 1: Plug check it out. So Alexa is one of those
Speaker 1: like what would you call those like Echo Alexa, you know,
Speaker 1: like those like AI.
Speaker 2: She's like a personal assistant, an electronic personal assistant. It's
Speaker 2: like a little device that sits in your house and
Speaker 2: you can tell it to do stuff.
Speaker 1: Yes. So if you ask Alexa Alexa, do black lives matter?
Speaker 1: How Alexa is? Well, Alexa said, yes, black lives do matter,
Speaker 1: and that it's a movement, that it's that it's a
Speaker 1: movement that's been created because of the way our country
Speaker 1: has treated African Americans currently in its history. And some
Speaker 1: folks are angry but serious. Cousin is well, yes.
Speaker 2: Oh my god, I want to go ask her right now.
Speaker 2: We have an Alexa I know.
Speaker 1: Do you want me to play it?
Speaker 2: Yeah?
Speaker 1: Yeah, okay, let's we can play it. It's really fast,
Speaker 1: and I was like, ah, this is awesome. Okay, let's
Speaker 1: see Alexa. We're okay. So here I'm about to it's
Speaker 1: just booting up on my computer.
Speaker 2: Dora, Wait, you have Alexa on your computer?
Speaker 1: No, No, I'm just I'm just like it was an
Speaker 1: article on the route and they have just like the
Speaker 1: I guess the little snippet. Okay, yes, I'm just gonna
Speaker 1: pull it us.
Speaker 2: I could just go in my living room and talk
Speaker 2: to her right now, right, let's see what happened. Yeah,
Speaker 2: I'm gonna go out. I'm gonna I'm gonna we're gonna travel, guys,
Speaker 2: because I'm recording from home today. I'm gonna play this
Speaker 2: real quick. Okay, let's see if she's obedient today.
Speaker 1: Just say it's do black lives matter?
Speaker 2: Hey, Alexa? Do black lives matter?
Speaker 1: Black lives and the Black Lives Matter movement absolutely matter.
Speaker 1: It's important to have conversations about equality and social justice.
Speaker 2: Mic drop Alexa.
Speaker 1: Yo, Alexa, I'm gonna make you a plate with neckbone
Speaker 1: with all the delicacy of African American heritage and history.
Speaker 1: You get neckbone greens with neckbone, you get college Canny yams,
Speaker 1: corn bread, macaronia chiese. No, you get the corner of
Speaker 1: macaroni cheese, you get peach cobbler. What else that are
Speaker 1: so delicious that you can only.
Speaker 2: Get, like potato pie?
Speaker 1: What Alexi, you get? We're gonna put you a plate
Speaker 1: aside and I'm not gonna let anybody take it. I'm
Speaker 1: gonna hide it just for you, Alexa. So when you
Speaker 1: come to the barbecue, we got you. I'm gonna make
Speaker 1: you some jellyfries, okay for the West African and you Alexa. Yes,
Speaker 1: is that so dope?
Speaker 2: Yeah?
Speaker 1: I want to give Alexa. Yeah. I want to do
Speaker 1: a boost for Alexa because that is pretty amazing.
Speaker 2: Whoever, what's Yeah, it's an Amazon product, Jeff Bezos be woke.
Speaker 1: Well, you know, there's a lot of things I can
Speaker 1: say about Amazon, but I'll give him that just because
Speaker 1: I'm feeling in a good mood.
Speaker 2: You shop at Whole Foods. I just recently went there.
Speaker 2: I have not noticed a difference in the prices, Like
Speaker 2: it still feels really expensive at Whole Foods.
Speaker 1: It does because I brought like sparkling water, some sushi,
Speaker 1: some vegetarian sushi, and like something else. I was like
Speaker 1: seventy dollars.
Speaker 2: Well, like lit at the worst when you go for
Speaker 2: like a couple of things that don't even make sense together,
Speaker 2: like you can't make a meal lot of it, and
Speaker 2: you still spend like seventy dollars.
Speaker 1: I was like, wait, five began cookies this sushi and
Speaker 1: like it was really so random, and I was like,
Speaker 1: I feel like I should have a car. I didn't
Speaker 1: even know what to put back because I'm like, well
Speaker 1: I don't I don't know what to do. Yeah, Whole
Speaker 1: Foods is definitely really really expensive. I still don't go
Speaker 1: full fledged food shopping there. I just do like few things.
Speaker 1: But I do find a new burger that I want
Speaker 1: to try called Beyond Burger. Have you have you heard
Speaker 1: of that? Uh?
Speaker 2: Is it a vegan burger?
Speaker 1: It is, it's supposed to be really good, so we'll see.
Speaker 2: Hmmm. I haven't you know what those those vegan like
Speaker 2: the vegetar the veggie burgers kind of saved me out,
Speaker 2: Like there's always like a green color like orange or
Speaker 2: something like not natural.
Speaker 1: Well, Beyond Burger actually looks like a burger. It's sizzles supposedly,
Speaker 1: like so the guy who made it on burger is
Speaker 1: it even it even bleeds. It's not bleeding, no, no
Speaker 1: big juice. It's beet juice and so just a.
Speaker 2: I can't.
Speaker 1: It's plant based and there's no soy, and so I
Speaker 1: like I heard about it because I was listening to
Speaker 1: how I built this and like the the founder was
Speaker 1: all talking about like he wanted to create a plant
Speaker 1: based burger that actually tasted like a burger. And so
Speaker 1: I said, you know what, I'm going to try it.
Speaker 1: And the folks that Hopefool was when I picked it up,
Speaker 1: they were like, oh my gosh, you're gonna love it.
Speaker 1: It's so oh good. You You're gonna think you're eating
Speaker 1: a burger. I'm like, shut up. So if I like it,
Speaker 1: then when I go to the cookouts, I'll bring my
Speaker 1: own burgers with me.
Speaker 2: You're gonna be like a beat bloodied bag. They're gonna laugh.
Speaker 2: Throw this on the grill.
Speaker 1: Right like t my beat burger on the girls. I'm
Speaker 1: telling you, if it's delicious, people.
Speaker 2: Say you are a millennial at heart?
Speaker 1: Is that very millennial my beat burger?
Speaker 2: Come on? Yeah? Yeah? But I mean, yeay, healthy, very
Speaker 2: good veganism all about it. That's hey, Jennifer Lopez is
Speaker 2: a vegan. So you're steps closer than I am to
Speaker 2: my goal of becoming j low Ah.
Speaker 1: We've gotten so far away. Brown Break, Brown Booth got
Speaker 1: back and we're gonna answer some questions.
Speaker 2: We're gonna answer a question a question, and this is
Speaker 2: my official request. Send us your questions for the new year.
Speaker 2: We're going to be taking I guess, I guess. So
Speaker 2: we're not gonna have a sure way. We're gonna have
Speaker 2: a show next week. Happy our last show of the
Speaker 2: new year.
Speaker 1: Yeah right, because yeah we should right, yeah.
Speaker 2: Yeah, that's right. So the next week, the twentieth, the
Speaker 2: last show, and then we'll be gone for a couple
Speaker 2: of weeks after that. So if you have burning questions,
Speaker 2: now is your time send them. Send them to Briannambition
Speaker 2: Podcast at gmail dot com, or you can visit us
Speaker 2: at Brannhambition podcast dot com. It's a handy little tab
Speaker 2: called ask us Anything. It'll also get your questions to
Speaker 2: us and maybe we'll do like some naked a question
Speaker 2: to answer show for the new year.
Speaker 1: Okay, that sounds good, but.
Speaker 2: For now, we have one question for tonight. So this
Speaker 2: is from Deshaan to Anne, which is an amazing name.
Speaker 2: Thank you for your question. She says, I'm trying to
Speaker 2: climb my way out of debt before it buries me.
Speaker 2: So I make what I so, I make what I
Speaker 2: feel as decent money for a single person with no kids,
Speaker 2: fifty dollars annually. But like most Americans. I'm living check
Speaker 2: to check. I'm not sure on I'm not sure about
Speaker 2: where I can cut back in order to build up
Speaker 2: my savings. I honestly feel as though it's my high
Speaker 2: bleep car. Note she's real comfortable with us, and I
Speaker 2: appreciate that. With my car, Note, how do I successfully
Speaker 2: get out of the car and into another car? How
Speaker 2: do I maximize my income to build savings and pay
Speaker 2: off my debts? Any advice is appreciated. I'm seeing. Yeah,
Speaker 2: we've gotten a few auto loan questions lately. I feel
Speaker 2: like it feels like there's you know, a lot of
Speaker 2: people are talking about like the auto loan bubble and
Speaker 2: how it's getting as bad as almost not as bad
Speaker 2: as the mortgage crisis from before. But like so many
Speaker 2: people are like drowning an auto loan debt and feel
Speaker 2: like they can't get out.
Speaker 1: Yeah, so.
Speaker 2: Fifty k doesn't say where she lives. But fifty k
Speaker 2: is a decent income, especially if we don't have any kids.
Speaker 1: Yeah, but not in New York, New Jersey. You know
Speaker 1: what it could be.
Speaker 2: What's the least amount of money you've made living in
Speaker 2: New York, New Jersey.
Speaker 1: The least amount of money I made was about thirty
Speaker 1: thirty five thousand dollars a year.
Speaker 2: And I was living at home, that's my number. But
Speaker 2: I was a renting an apartment.
Speaker 1: Oh, you were running an apartment.
Speaker 2: I'm like, I made thirty five k my first because
Speaker 2: I yeah, my second job in New York, thirty five k,
Speaker 2: I say, there for fifteen months. I think I got
Speaker 2: one raise maybe to like forty two K or something
Speaker 2: like that. But I made it.
Speaker 1: Like I remember, but you didn't have a car because
Speaker 1: you were in New York, right.
Speaker 2: No, didn't have a car, did pay rent and like
Speaker 2: bills and student loans and all that kind of stuff.
Speaker 2: But I think it's doable. I think for her, the
Speaker 2: first step is going to be she says, I'm not
Speaker 2: sure where I can cut back to start building up.
Speaker 2: I think you got to start by writing down, like
Speaker 2: just getting real with yourself and writing down exactly what's
Speaker 2: going out and what's coming in, and find out where
Speaker 2: the most of your money is going. Maybe it is
Speaker 2: your car note that's eating up most of your income.
Speaker 2: If that's the case, maybe it's time to sell it.
Speaker 1: Yeah, I was thinking that sell it.
Speaker 2: And downsize to a more affordable car. Get it, get it,
Speaker 2: get a what do you call it? A beat up car?
Speaker 1: Yeah? Or just like you can you can get like
Speaker 1: a decent car for like five to six K. You know,
Speaker 1: like you can because I definitely have. But if if
Speaker 1: your car note is like your biggest kind of concern,
Speaker 1: then you might have to basically take the l and
Speaker 1: do that, because I like, unless you're going to pay
Speaker 1: that card for the next five or six years, and
Speaker 1: that's a significant amount of time not to have excess
Speaker 1: money to invest and grow.
Speaker 2: Well, yeah, she says, how do I maximize my income
Speaker 2: to build savings and pay up debt? I mean this
Speaker 2: she needs to join the Liverture challenge for this.
Speaker 1: Yeah, that's true.
Speaker 2: This is net income. This is exactly what net income is.
Speaker 2: It's like, how do you how do your only way
Speaker 2: you're going to increase your net income is if you
Speaker 2: start earning more or you're in decreasing your debt, saving
Speaker 2: more and decreasing your debt. I think the first step
Speaker 2: is cutting back expenses, cutting down that car note, trading
Speaker 2: into trading down into a more affordable car is one
Speaker 2: clear thing you can do. I doesn't say what she
Speaker 2: does for work, but maybe look for additional sources of
Speaker 2: income or look at moving jobs to see if you
Speaker 2: can get a promotion or a raise where you have
Speaker 2: more money in the bank on top of like cutting
Speaker 2: your expenses at the same time.
Speaker 1: Yeah, because you know, net worth truly is that it's
Speaker 1: cutting down on the debt in which you pay out
Speaker 1: and increasing what you make. So doing those two things together,
Speaker 1: like it's that's ideal because you really can't save your
Speaker 1: way to weal, not really, you have to save then
Speaker 1: invest and make more, you know, And so yeah.
Speaker 2: Yeah, I love that. And you also can't coop on
Speaker 2: your way to wealth either. You can't just like trim
Speaker 2: expenses until you're living out of a you know, in
Speaker 2: a tent in the forest, Like it's not realistic. Yeah,
Speaker 2: I think if some people, like I think, you get
Speaker 2: caught up like with the penny pinching and the small stuff,
Speaker 2: which is like important, and it certainly if you're you know,
Speaker 2: if you're really struggling to make ends meet, it matters.
Speaker 2: But at a certain point you got to turn the
Speaker 2: other way and not just focus on making what you
Speaker 2: work with. But how can I gain more wealth and
Speaker 2: how can I build something else and bigger?
Speaker 1: Yeah? Yeah, yeah, and sometimes it's like, honestly, like there
Speaker 1: are moments when you have to make decisions where they're
Speaker 1: just like, uh, the one that's not great and one
Speaker 1: that's really not great. It's like, you know what I mean,
Speaker 1: Like sometimes that's what it looks like. But taking a
Speaker 1: step back does really sometimes help you take a step forward.
Speaker 1: I mean, Mandy and I both have had to really
Speaker 1: take significant kind of like cuts to the kind of
Speaker 1: life that we wanted to live at the moment so
Speaker 1: we can have the life we wanted to live moving forward.
Speaker 1: And there's nothing wrong with that, you know. I lived
Speaker 1: in a room for a few years because I wanted
Speaker 1: to be able to have excess money to put toward
Speaker 1: my business, and now I'm buying two homes, you know,
Speaker 1: and so like know, so it's I've learned to welcome
Speaker 1: kind of like the trend back because I know that
Speaker 1: it also comes with the leap forward if I do
Speaker 1: it right.
Speaker 2: Yeah, I moved in with my mother in law for
Speaker 2: eight months.
Speaker 1: So yeah, exactly.
Speaker 2: Oh that was a sacrifice. I mean, no, that's they
Speaker 2: came out badly. It was awesome, but it was definitely
Speaker 2: a step down from the freedom we had living in
Speaker 2: our two bedroom apartment to living in you know, my
Speaker 2: husband's childhood bedroom. Wow, that that was a that was
Speaker 2: an experience. But we had a beautiful wedding and still
Speaker 2: has savings in the bank and assume we will be
Speaker 2: buying a house that I don't want. So yay, thanks
Speaker 2: for your question. D I have it. We have another
Speaker 2: email from our listener. It's not a question, but she
Speaker 2: did she had something to share her So her name
Speaker 2: is Krista. Thanks for emailing as Krista. She says. This
Speaker 2: is in regards to so last week, Tiffany, you talked
Speaker 2: about Headspace. Yeah, and you just found out that, like
Speaker 2: Headspace is only free for a certain amount of time, right, Yeah.
Speaker 2: I was like, yeah, yeah, so this is just maybe
Speaker 2: I'll start sharing because you guys do send us some
Speaker 2: really nice notes sometimes that aren't questions, but I still
Speaker 2: think it's fun to share them. So Christa says Tiffany,
Speaker 2: I tried Headspace, but I ran into the same issue instead.
Speaker 2: I decided I like the Calm app at c ALM.
Speaker 2: There are paid versions, but I find sufficient. I find
Speaker 2: this one sufficient at the free version. I also love
Speaker 2: that you both talked about professional development in the workplace.
Speaker 2: And receiving feedback even though you work in the for
Speaker 2: profit space. My favorite tool of nonprofit management has a
Speaker 2: lot of applications. It's a book called Managing to Change
Speaker 2: the World by Green and Hauser. They run the Management
Speaker 2: Center Excellent Tools. Thank you for all you do. You
Speaker 2: make my week brighter.
Speaker 1: Wow, I love that. Okay you said the commap. I'm
Speaker 1: definitely going to download that because honestly, I have to
Speaker 1: say headspace has worked just I don't know, it's like
Speaker 1: a really great tone for the day for the most part.
Speaker 1: I mean, you know, of course you have to day
Speaker 1: like it. We're just like, oh, kill me, I'm dead.
Speaker 1: My ghost is talking. But then you know, but it
Speaker 1: just is a I want to continue to kind of
Speaker 1: have that meditation down time every morning, and so I
Speaker 1: can't wait. I think someone else. I feel like Drina,
Speaker 1: my best friend and my publisher. I think I feel
Speaker 1: like I told her headspace costs money and she was like, oh,
Speaker 1: I like the comment to her. I feel like she
Speaker 1: said that same app So great minds think a light.
Speaker 2: Thanks thanks Christa. And the book is Managing to Change
Speaker 2: the World, The Nonprofit Manager's Guide to Getting Results Dope
Speaker 2: thanks to recommendation. Yeah, if you guys have recommendations for
Speaker 2: books you're reading or apps that you like to use,
Speaker 2: it help you with your finances or your career or
Speaker 2: anything like that, you should definitely let us know. Send
Speaker 2: us an email at Briannambition podcast dot com. You can
Speaker 2: tweet us or hit us up on Facebook at the
Speaker 2: Brown Ambition Podcast podcast pages, or check us out at
Speaker 2: Brannambition podcast dot com.
Speaker 1: Yeah, I think it's Brondambisson's podcast at gmail dot com.
Speaker 2: Right, what did I say?
Speaker 1: You said, Bronambition podcast dot com. That's the website.
Speaker 2: Oh my god. Yeah, you guys.
Speaker 1: I know, I caught it and caught it, but honestly,
Speaker 1: I feel like the best place to go is briandhambitionpodcast
Speaker 1: dot com because you can click contact us, you can
Speaker 1: see all of our episodes and so everything is right there,
Speaker 1: all of our social media handles and channels and stuff.
Speaker 1: So that's like a great centralized location.
Speaker 2: It's a one stop shop.
Speaker 1: Mm hmm.
Speaker 2: I ready wrap this up on our Wednesday with some
Speaker 2: winds wins.
Speaker 1: Okay, so my win. So actually Angela, Oh what is
Speaker 1: Angela's last name? Angela cares? Oh, Angela, I can't remember
Speaker 1: your last name. She's an assemblywoman in Jersey City. Oh,
Speaker 1: Angela V. McKnight. She's an assembly women in Jersey City. Uh,
Speaker 1: maybe a year and a half, maybe even two years ago.
Speaker 1: She contacted me because she was newly elected, and she
Speaker 1: was like, I want to pass a law about financial education,
Speaker 1: and I said, I know just the one. So she
Speaker 1: and I work on a law together because New Jersey
Speaker 1: already has a law where you have to learn financial
Speaker 1: education in high school. And I told her, honestly, it
Speaker 1: should start as young as elementary school, so elementary and
Speaker 1: middle school, that that should be a law. And so
Speaker 1: we wrote it and submitted it to there's all of
Speaker 1: these steps which I was learning, like it's basically like
Speaker 1: junior Civics class, but i'll spare you all the details.
Speaker 1: It goes to all these committees and voted up and
Speaker 1: then voted up. So now it's finally going to the
Speaker 1: Senate committee, which is a pretty big deal because it's
Speaker 1: not too many steps after that. And so unfortunately I
Speaker 1: won't be able to testify or to kind of like
Speaker 1: speak because I'm going to be at a conference. But
Speaker 1: she's super excited because she's been really pushing for this.
Speaker 1: It's not a law yet, it's for it to become
Speaker 1: a bill. I think it's a I think is it
Speaker 1: a bill now, child, I don't know. I think it's
Speaker 1: a bill. And then we're just basically pushing for it
Speaker 1: to become a law. And if it's going to happen,
Speaker 1: it will happen in January for it to officially become
Speaker 1: a law. So right now, like I said, it's gonna
Speaker 1: go before Senate. I probably do some tweets and some
Speaker 1: posts about, you know, tweeting or emailing your your senator
Speaker 1: for those of you who kind of live in the
Speaker 1: Jersey area to tell them to vote for this law
Speaker 1: because it's just a good law that it would make
Speaker 1: it mandatory for them to be financial education for elementary
Speaker 1: and middle school. And I'm just like, woo hoo. So
Speaker 1: it's it's it's uh informally called the Budgetista law. I
Speaker 1: was like, yes, they couldn't call it that legally because
Speaker 1: the Budgetista is a business. But I'm like, whatever, that's
Speaker 1: what we're calling it. So yeah, I'm just really excited
Speaker 1: because that's huge, you.
Speaker 2: Know, huge, you it's huge. I don't know why I
Speaker 2: said that.
Speaker 1: Oh my goodness, I needed that lap. It's huge, huge,
Speaker 1: So yeah, I just want to say thank you Angela v.
Speaker 1: Midnight for being such a champion for this. You know
Speaker 1: it could not have happened with Dallian. Thank you for
Speaker 1: like choosing me to work with you on it because
Speaker 1: you know my passion for financial education and because we
Speaker 1: can get the kids. Uh Like, all it takes is
Speaker 1: one generation of like well financially educated children to shift
Speaker 1: a whole community and culture. And so that is my aim.
Speaker 2: I believe that.
Speaker 1: Let that lead the way. Remember everybody knew that song
Speaker 1: from beginning to end.
Speaker 2: I can't say that I do anymore, but I definitely
Speaker 2: know the beginning. Awesome. So I'm gonna win. I feel
Speaker 2: like Pixar has become my therapists. They just teach me
Speaker 2: how to feel, you know what I mean. And I
Speaker 2: need to give a win for the new film called Coco,
Speaker 2: because it is if you if you need something to do,
Speaker 2: you want to get away from your family this holiday
Speaker 2: season or whatever, bring the family together, go see Coco,
Speaker 2: bring some tissues. It's just going to give you life.
Speaker 2: Have you seen Coco.
Speaker 1: I haven't, but I've seen like the the like commercials
Speaker 1: oh it looks so good.
Speaker 2: So cute. It's about so it takes place in Mexico,
Speaker 2: and it's about Da de los Mortos, which happens on November.
Speaker 2: Is it the second or the first? Every year? It's
Speaker 2: like the day it's after Halloween, Halloween, but it celebrates it.
Speaker 2: I didn't. I mean, I knew of Da de los Mortos.
Speaker 2: I knew that it was like honoring the dead, and
Speaker 2: you go visit, you know, your loved ones. I always
Speaker 2: thought you went to the cemetery because I happened. I
Speaker 2: was in South America during dyadalls Mortos one day and
Speaker 2: there was like people visiting the cemetery and stuff. But
Speaker 2: it's so much more than that. It's like you build
Speaker 2: an altar for your loved ones and you put like
Speaker 2: their favorite foods and things that you things that they
Speaker 2: loved in life at the altar, and you light candles
Speaker 2: and you remember them. And the movie is about a
Speaker 2: little boy and how he I don't want to give
Speaker 2: it away, but it's a little boy who wants to
Speaker 2: play music, and of course his family doesn't want him
Speaker 2: to for some like old family history reasons, and he
Speaker 2: ends up stealing a guitar from a famous person who
Speaker 2: is passed away and he ends up in the land
Speaker 2: of the dead and has to find his way back
Speaker 2: to his family. And it's just it's so good. I mean,
Speaker 2: it sounds weird, but it's so good. It's like all
Speaker 2: about the end of the The end of the movie
Speaker 2: is all about how important it is for us to
Speaker 2: listen to the stories, listen and remember people that we've lost.
Speaker 2: Like if you don't leave thinking about your favorite grandma
Speaker 2: who passed away, your favorite grandpa like I did, Like
Speaker 2: you know, just it really just hits you right in
Speaker 2: the fields.
Speaker 1: Man, Oh Ruby, I remember Grandma Ruby.
Speaker 2: Yeah, good old Grandma Ruby. Yeah. So that's my win.
Speaker 1: Oh yeah that Actually, that's a looking really good movie.
Speaker 1: Maybe I'll take home Supergirl.
Speaker 2: That's why I love the holidays. The best movies come
Speaker 2: out this time of year.
Speaker 1: Yeah they do. I mean, I'm not gonna lie. Lifetime
Speaker 1: has been going over dry. It's like, you know, Santa
Speaker 1: has a Christmas Christmas Love Holidays of the Hill. I'm like, okay,
Speaker 1: we get it.
Speaker 2: All right, Well, okay, one more week, y'all. Yes, so
Speaker 2: the holidays begin, well, continue, we can make it. You
Speaker 2: can do it. Deep breaths You can't do everything in
Speaker 2: one day.
Speaker 1: Now, you cannot. You just have to know that, and
Speaker 1: it's okay, heart, yes, And just know if something doesn't
Speaker 1: get done, what's the things that that could not get
Speaker 1: done and still be okay? Just do the things that
Speaker 1: must get done.
Speaker 2: Absolutely, okay, I'm ready, okay for the end of the show.
Speaker 1: Now it's time to say goodbye to all our family.
Speaker 1: B r ol wn and bit Shine.
Speaker 2: You're gonna get us hit with like a trademark lawsuit
Speaker 2: or something a soon.
Speaker 1: Well we're not selling it.
Speaker 2: I guess that's true.
Speaker 1: All right.
Speaker 2: Yeah, happy holidays, Happy holidays, Alight, eat some dinner, We
Speaker 2: eat some bloody beat burgers. Yeah.
Speaker 1: Sorry,