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Speaker 1: Hey, hey, Hey, am back and we're back. I wish

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Speaker 1: you could see my shoulder prop right now, Mandy.

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Speaker 2: I've felt it in your voice so like she's shoulder popping.

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Speaker 1: I am.

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Speaker 2: It's a freaking weekend, baby, I'm about to have me

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Speaker 2: some family friendly fun events having We have a lot

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Speaker 2: of stuff. We have our well, my new cousin, he's

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Speaker 2: my cousin. I'm just considering it. My cousin's having a

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Speaker 2: housewarming and Yonkers, beautiful exotic Yonkers. Actually, he and his

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Speaker 2: wife shout out to Denny and Ysa are like our

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Speaker 2: biggest fans, Like they know more about me from the podcast.

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Speaker 2: Like if I have a message for them, basically, I

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Speaker 2: should give it to them in the podcast because they're

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Speaker 2: always like, oh man, so hi, they're doing a housewarming

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Speaker 2: and they are a little boy he just turned two

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Speaker 2: years old, as like the most adorable little golden nugget ever.

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Speaker 2: His name is Santiago. I'm putting all their business out there.

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Speaker 1: I know, sad name is so adorable too, Like I

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Speaker 1: could just see, hey, Santiago, I know, we.

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Speaker 2: Call a little santi And they have number two on

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Speaker 2: the way.

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Speaker 1: I know.

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Speaker 2: So it's about to be a full house and he'saa,

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Speaker 2: like I could gush about her forever. She's like a

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Speaker 2: badass high school principal. She actually is a principal downtown.

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Speaker 2: I'm putting all her business out, but I don't care.

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Speaker 2: One time I had dinner with you, Sora, and she's like,

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Speaker 2: you know, uh, She's like, I really want to night

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Speaker 2: with the girls. You know, let's go to this great

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Speaker 2: taco place in my neighborhood. And we all met up

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Speaker 2: and suddenly she's a little bit older than me, and

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Speaker 2: suddenly I was at a table with like four principal superintendents.

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Speaker 2: It was like the most trippy experience of my life.

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Speaker 2: Like you really, as you're old, when you're like having

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Speaker 2: dinner with someone you used to fear.

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Speaker 1: Oh right, it's like all of these people who had

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Speaker 1: the power to put you in attention. Yeah ye, Sor

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Speaker 1: you know, Mandy needs it sometimes.

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Speaker 2: Oh my god, two babies. I can't even thaw them one.

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Speaker 1: I know. Whenever I see people with like their kids,

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Speaker 1: especially if I babysit or whatever, and then I go home,

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Speaker 1: I'm like, oh my god, they don't get to go home.

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Speaker 1: This is home.

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Speaker 2: They don't get to get that baby back.

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Speaker 1: I know, it seems like so much. I mean, that's

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Speaker 1: why they make God makes babies so darn cute. Because

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Speaker 1: just when you're like, I can't do this anymore, the

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Speaker 1: baby looks like looks at you like, yes you care,

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Speaker 1: look at this face? No?

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Speaker 2: But do you know what I And maybe I'm a

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Speaker 2: negative Nancy, but do you know what I always think

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Speaker 2: about when I see how much parents like, see parents

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Speaker 2: gushing over their babies and whatever. I always think, But

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Speaker 2: but that baby's gonna hate you in like fifteen years.

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Speaker 2: That baby's like gonna be a little brat and like

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Speaker 2: it's gonna wreck the car and stay out too late

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Speaker 2: and like miss their curfew. Then they're gonna be like

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Speaker 2: thirty and they're gonna start trying to boss you around

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Speaker 2: about your health and what you do with your life,

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Speaker 2: like I did with my mom. Sometimes my mom, I'm like,

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Speaker 2: why do you like me? I'm such a brat.

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Speaker 1: She's like, I push you out, so you know we've

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Speaker 1: got a bond.

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Speaker 2: Yay to Mommy's right. Yes, And then we have a

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Speaker 2: surprise birthday tonight, and then tomorrow one of my one

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Speaker 2: of my really dear friends from Nebraska is visiting the

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Speaker 2: big old city in New York.

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Speaker 1: Have they ever been to New York before?

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Speaker 2: Yeah? Thank god, because that means I'm not going to

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Speaker 2: end up doing like the you know, Times Square and

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Speaker 2: all that kind of stuff. I'm always I'm here for

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Speaker 2: friends when they visit, for all the meals, like I'll

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Speaker 2: meet you for brunch, for dinner, like I will be

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Speaker 2: your meal tour tour guide. I'm down for that. But first, first,

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Speaker 2: first mention. I hear of Statue Liberty and I'm like,

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Speaker 2: out the door, here's a camera buy Yep. So it'll

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Speaker 2: be it'll be a packed weekend, but fun.

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Speaker 1: So I've got some news, but I'm hesitant to share

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Speaker 1: it because I'm like some of some of our podcast listeners.

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Speaker 1: They might know Superman. If you do, you have, you

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Speaker 1: had better keep your mouth shut if you know Superman.

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Speaker 1: So I was talking to Superman the other day and

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Speaker 1: I was telling him one of my really great friends, Madeline.

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Speaker 1: She's got this business called traveling mad and she travels

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Speaker 1: all over the world and once a year we don't

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Speaker 1: even like we live in the same town, but we

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Speaker 1: never hang out. But when it comes comes to travel,

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Speaker 1: like that's like my favorite travel buddy. So she hit

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Speaker 1: me up the other day was like, paytive, it's time

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Speaker 1: for our birthday, you know trip. We usually go in

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Speaker 1: October because we're both born in October, you know, and

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Speaker 1: so she said, you know, let's go. We're thinking between

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Speaker 1: Thailand or Iceland.

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Speaker 2: And two very different lambs, I know.

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Speaker 1: So anyway, she texted me and I was telling him.

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Speaker 1: I was like, oh, Superman, you know my birthday trip

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Speaker 1: this year is either going to be Thailand or Iceland.

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Speaker 1: And he was like, you're gonna be away on your

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Speaker 1: birthday and I was like what he was like? He

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Speaker 1: was just looking so disappointed. I was like, no, no, no, no,

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Speaker 1: We're gonna take it later in November because that's the

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Speaker 1: time she has off from work. He was like, oh,

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Speaker 1: he looked so relieved, and you know, me, Nosey Wolsey

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Speaker 1: was like in my mind, I was like, but I

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Speaker 1: did say anything. I just thought to myself, that seems curious.

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Speaker 1: And then this is like put the nail in the coffin.

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Speaker 1: I'm like, trying to not talk too loud. The Superman

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Speaker 1: is in the other room. So last night we were

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Speaker 1: talking and he was like, you should have a party

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Speaker 1: this year for your birthday. Randomly mean while I'm turning

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Speaker 1: thirty seven, cause like thirty seven, that's not And I

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Speaker 1: was like, why, Like it's not it's not a major

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Speaker 1: milestone birthday and I don't ever have birthday parties. He's like,

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Speaker 1: you should just have a party. You should bite everybody.

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Speaker 1: And I was like and it took me a moment.

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Speaker 1: I'm all slow, and I'm like, I don't know. Then

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Speaker 1: I was like, wait, I think I might a you

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Speaker 1: know what that means. So I'm not gonna say that

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Speaker 1: loud because I'm just claiming it internally.

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Speaker 2: That knock on some wood, Yes, da knock. He's like,

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Speaker 2: wouldn't it be cool if you just had all your

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Speaker 2: family friends and all your loved ones all around you

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Speaker 2: in a circle, and like if you were really nice

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Speaker 2: dress and got your nails done.

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Speaker 1: Yeah, and then if you don't go away on your

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Speaker 1: birthday like you normally do in your home. Yeah.

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Speaker 2: And I was like, look, yeah, you got too big.

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Speaker 2: I had no idea what was coming, man, you have

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Speaker 2: two big like two big signs.

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Speaker 1: I know. I think that he thought that he was

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Speaker 1: giving like slick signs because I was looking because I'm like,

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Speaker 1: what is he talking about? When do you care that

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Speaker 1: you know I'm not home on my birthday because I

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Speaker 1: always go away like usually on my birthday during the week,

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Speaker 1: you know, because he's not big, big, big on traveling.

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Speaker 1: So I'm like, since one is he? Oh so I

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Speaker 1: already got a cue up, queue up the best friend, Like,

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Speaker 1: I'm gonna need you to make a phone call because

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Speaker 1: I don't want him to do this alone.

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Speaker 2: Oh yeah, yeah, yeah, I mean, I just though that's

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Speaker 2: what I did. I put my friend, I put I

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Speaker 2: gave my my confidante a Pinterest board with my what

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Speaker 2: I liked, and I was like, you now have the

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Speaker 2: key to what much to what I need? Deliver it

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Speaker 2: unto him when he asks me.

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Speaker 1: You know, I was like, do you have Drenda's number?

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Speaker 1: Dream his number? I don't ways dream that. Here's it.

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Speaker 1: Just call me, okay, just check it in on you.

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Speaker 2: So she may have already been in talks with them.

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Speaker 1: You never know she would have told me.

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Speaker 2: But here's my advice to you. Stop looking for stop

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Speaker 2: stop looking for signs now. Because I really wanted to

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Speaker 2: be special and I almost ruined it for myself a

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Speaker 2: couple of times by bye, by like fake snooping, like

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Speaker 2: I'm not really snooping. His computer's just so open. I'm

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Speaker 2: just gonna see. I'm just gonna check my email on

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Speaker 2: his computer. It's closest to me, so it all makes sense.

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Speaker 2: And oh it's emails up. I'm just gonna sign out.

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Speaker 2: Oh my eyes just passed over that night now.

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Speaker 1: But you know, I know, right, I know, because it

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Speaker 1: will be terrible for like, I mean, I know he

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Speaker 1: wants me to be surprised on my birthday. Well look

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Speaker 1: at me. I'm all claiming it, like yeah, girl. Meanwhile,

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Speaker 1: my birthday will come and past, and I'm like, so

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Speaker 1: I had a party, Mandy, it was great. I got

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Speaker 1: a Teddy Bear.

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Speaker 3: Yeah.

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Speaker 2: Oh man, He's got to know that though every holiday

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Speaker 2: for the next year, you will be some part of

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Speaker 2: you will wonder if it's gonna be it, and then yeah,

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Speaker 2: we'll get it over with. No right, put it out

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Speaker 2: of misery, superman.

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Speaker 1: I know, come on, so we can move on and

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Speaker 1: make this baby happen. You know that.

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Speaker 2: I want to segue because did you watch the DNC

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Speaker 2: this week any of the speeches.

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Speaker 1: I'm not gonna lie no, because I don't know my spirit.

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Speaker 1: I know my spirit was rocked with what I did

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Speaker 1: see of the RNC, and I was just like, I'm

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Speaker 1: gonna take you No.

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Speaker 4: That was the perfect cure for your RNC blues. You

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Speaker 4: didn't watch Michelle's speech. I didn't watch Obama's speech or

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Speaker 4: I was.

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Speaker 1: Gonna watch it later because I was just like I

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Speaker 1: was over politic that. I was like, I'm gonna take

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Speaker 1: a break from politics.

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Speaker 2: I'm not like if any of you guys are feeling

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Speaker 2: the racial syndrome, what is that fatigue that aquila, you know,

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Speaker 2: racial discussion, disease fatigue or whatever. This will get This

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Speaker 2: will give you back the life that you've lost Like this,

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Speaker 2: and it's not just the face, So you have mean

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Speaker 2: a Michelle Obama opened up the convention on Monday, was like,

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Speaker 2: what is going to go down in history as one

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Speaker 2: of the most extraordinary speeches in Florida's history.

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Speaker 3: That is the story of this country, the story that

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Speaker 3: has brought me to the stage tonight, The story of

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Speaker 3: generations of people who felt the lash of bondage, the

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Speaker 3: shame of servitude, the sting of segregation, but who kept

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Speaker 3: on striving and hoping and doing what needed to be

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Speaker 3: done so that today I wake up every morning in

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Speaker 3: a house that was built by slaves, and.

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Speaker 1: I watch my.

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Speaker 3: Daughters, two beautiful, intelligent black young women, playing with their

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Speaker 3: dogs on the White House lawn and be And because

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Speaker 3: of Hillary Clinton, my daughters and all our sons and

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Speaker 3: daughters now take for granted that a woman can be

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Speaker 3: president of the United States. So look, so don't let

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Speaker 3: anyone ever tell you that this country isn't great, that

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Speaker 3: somehow we need to make it great again, because this

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Speaker 3: right now is the greatest country on earth.

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Speaker 2: Oh, it's amazing. And then I mean, of course President

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Speaker 2: Obama gave a stellar speech. I think that was on Wednesday,

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Speaker 2: But it wasn't even just the famous people. It was

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Speaker 2: there is a man, a Muslim man who gave a speech.

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Speaker 2: And so he's standing there and he's talking about his

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Speaker 2: son who's Muslim and fought and fought on the side

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Speaker 2: of America in the Iraq War and died in two

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Speaker 2: thousand and four. And he just gave this incredibly moving speech.

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Speaker 2: And he, you know, talks to Donald Trump and he's like,

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Speaker 2: you know, at one point he asked, have you read

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Speaker 2: the Constitution? I can give you a copy of mine.

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Speaker 2: It talks about liberty for all. And it was such

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Speaker 2: just like the answer to all the hate and all

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Speaker 2: the fear mongering and all the lies that we've been

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Speaker 2: hearing on the other side, like just so good. And

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Speaker 2: then there was performances Alicia Keys, Lenny Kravitz, Andre Day

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Speaker 2: did rise up telling you it was it was good stuff.

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Speaker 2: And then of course Miss Hills won the nomination, and

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Speaker 2: then that was like historic moment and it's in and

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Speaker 2: of itself, yeah, for sure. And in that fly little

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Speaker 2: white suit.

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Speaker 1: Did you see the there was like a meme that

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Speaker 1: was hilarious. It was like it was a little white Boy.

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Speaker 1: It's a cartoon of these three kids standing side by side,

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Speaker 1: a little white boy, and underneath it says, I know

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Speaker 1: I could be president, and at the bottom it says

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Speaker 1: since seventeen sixteen, and there's a little black boy in

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Speaker 1: the middle, I know I could be president, and at

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Speaker 1: the bottom it says since two thousand and eight, and

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Speaker 1: then the little girl, I know I could be president

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Speaker 1: since yesterday. And I just thought that was like, wow,

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Speaker 1: isn't that so crazy?

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Speaker 2: It took forever? But I'm so, you know what, forget

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Speaker 2: what I mean. I'm actually like I am team Hillary,

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Speaker 2: but I and you know, I hear all the haters

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Speaker 2: and like whatever, but like you just have to sit

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Speaker 2: back and appreciate the moment, like first woman in history,

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Speaker 2: not just to be to be and you know she

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Speaker 2: could be the first woman president, but just the fact

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Speaker 2: that she was nominated the first to be nominated for

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Speaker 2: president for people to say you are worthy of being president,

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Speaker 2: and she had to work harder than any like is

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Speaker 2: her Like, come on, I love Obama like everyone else,

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Speaker 2: huge Barack Obama fan. I voted for him, but like

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Speaker 2: her resume, like and he even said it during his speech,

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Speaker 2: she is more qualified than he is to be president.

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Speaker 2: And it's true. And it's crazy that she's sort of

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Speaker 2: you know, punished almost for her for the breath of

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Speaker 2: her experience and the breath of her time in Washington

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Speaker 2: and you know how long she's been a public servant.

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Speaker 2: But you just can't knock her resume, like give her

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Speaker 2: some respect.

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Speaker 1: And also too, you know they knock it because she's

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Speaker 1: not It's so crazy because she was like this like

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Speaker 1: super smiling, hey girls, kind of girl like it's almost

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Speaker 1: like people don't people are like she doesn't smile less,

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Speaker 1: she's not as warm, but if she was warm and

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Speaker 1: super smiling, you'd say she's not serious. Yeah, and since

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Speaker 1: when the women have to smile and make you feel good?

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Speaker 1: Like I hate that girl smile. I know I have

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Speaker 1: resting bitch face. Take it.

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Speaker 2: I'm sure Hillary that just stuff rolls off her pants

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Speaker 2: to shoulders, like she has probably heard that her entire life, right,

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Speaker 2: I feel like she can take it, like she she's

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Speaker 2: heard all the sexist remarks. She's been the only the

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Speaker 2: only woman in the room. She's been on Capitol Hill,

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Speaker 2: like she's been the wife, you know, watching her husband

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Speaker 2: cheat on her the public eye, like she's been that.

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Speaker 2: She's been everything. She's been the grandmother, she's been secretary

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Speaker 2: of State, Like what else do we want from her?

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Speaker 2: Give her the job? But I there was one moment

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Speaker 2: everyone started talking about, you know, cross apart from the speeches.

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Speaker 2: But so it is, you know, Milanio Trump, Malania Trump,

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Speaker 2: you know how she was found to have plagiarized Mama

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Speaker 2: Michelle's speech. Right, So Milania Trump, if you don't know,

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Speaker 2: if you're living under a rock, basically gave her big,

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Speaker 2: her big potential floatus moment and gave a speech about

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Speaker 2: how she you know, was an immigrant and you know,

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Speaker 2: the American dream, and turns out she plagiarized like a

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Speaker 2: big chunk of Michelle Obama's speech from two thousand and

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Speaker 2: eight or whenever, the before Obama was elected. Anyway, Milania

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Speaker 2: was wearing this like very you know, all white, kind

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Speaker 2: of puffy sleeved supermodel dress. And what don't you know,

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Speaker 2: at the end of the convention, this representative from Ohio,

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Speaker 2: Representative Beauty don't forget her name, Representative Joyce Beauty of Ohio,

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Speaker 2: gave her own speech in support of Hillary, wearing the

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Speaker 2: exact same dress and represented just to paint a picture,

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Speaker 2: she is a beautiful black woman of a certain age

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Speaker 2: with glistening like glowy silver, salt and pepper hair, perfectly

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Speaker 2: curled with pearls and pearl jewelry and just like pearl earrings,

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Speaker 2: looking fabulous and wearing the exact same dress that Milannia wore.

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Speaker 2: This like super you know, more traditional like supermodel type woman.

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Speaker 2: And then after this speech she's like, oh, did Malania

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Speaker 2: wear this? So I didn't realize, ah, And she said,

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Speaker 2: but you know, I think she said something like my

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Speaker 2: husband brought to me, so I decided to wear it.

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Speaker 1: But you know, when I spoke, I use my own words.

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Speaker 1: I I said, if you don't read, don't count for

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Speaker 1: these for these silver Fox women, they will read you, honey.

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Speaker 1: I was like, yeah, that part I did see.

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Speaker 2: Oh you saw that part. There was a I posted this.

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Speaker 2: I'm gonna post on the group too, but there was

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Speaker 2: this l that's kind of like he's like the male

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Speaker 2: version of awesomely lovey.

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Speaker 1: Okay uh.

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Speaker 2: Eric Thomas, he writes for l dot com. Don't ask

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Speaker 2: me how. He's like a comedian anyway, he wrote the

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Speaker 2: most hilarious, hilarious like lovey style post about this moment

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Speaker 2: and like how the shade was real, like all the memes,

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Speaker 2: like like Mariah, when Mariah that infamous Mariah line when

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Speaker 2: she's like talking about Jennifer Lopez, I don't know her.

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Speaker 2: She's like, I don't know her.

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Speaker 1: Oh Mariah is the shade, oh weed, oh her, I

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Speaker 1: don't I don't know her. And she said, but I mean,

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Speaker 1: like I know of her, but that's not what you

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Speaker 1: ask I don't know her, yes, Mariah.

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Speaker 2: And then and last but not least, when finally Hillary

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Speaker 2: wins and this like avalanche of balloons falls down and

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Speaker 2: none other than Bill Clinton looks like a child at

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Speaker 2: Discovery Zone at Chuck e cheese, like the expression on

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Speaker 2: his face, kicking them balloons and there's just one. There's

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Speaker 2: just one gift of him, just like lightly. He's like

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Speaker 2: he's trying to play with the balloons without making it,

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Speaker 2: without like actually like trying to. He's like, Oh, I'm

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Speaker 2: just there, gonna see me, but we like I'm just

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Speaker 2: gonna like push its balloons in the air. But he's

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Speaker 2: having like the time of his life.

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Speaker 1: Ah, it is very, very silly.

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Speaker 2: He's kicking the balloons and oh, he just looks. It

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Speaker 2: looks like he looks like he became president. He's already

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Speaker 2: done it twice. Ah Bill Billy Billy. Anyway, if you

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Speaker 2: guys go just go to YouTube watch the speeches. At least,

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Speaker 2: I mean, like make at least watch Michelle's. I mean, okay,

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Speaker 2: we owe her that much. It'll make you it'll make

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Speaker 2: you cry for the fact that she's leaving. I miss

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Speaker 2: sir as much as I support Hillary. I'm just so

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Speaker 2: sad that they're leaving.

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Speaker 1: Yeah, but they need their life back. I can only imagine.

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Speaker 2: I'm sure she's like, get me the hell out of here, right,

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Speaker 2: I just want to with the windows rolled down, you

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Speaker 2: see how they.

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Speaker 1: Try to come for their oldest daughter, talking about she

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Speaker 1: skipped it to go to Lallapalooza. She skipped the DNC.

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Speaker 2: Oh did she so?

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Speaker 1: What?

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Speaker 2: Child?

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Speaker 1: First of all, all the all the former Republican presidents

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Speaker 1: skipped the RNZ as well as all these other people

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Speaker 1: have know she's eighteen. She doesn't need to be there.

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Speaker 1: He's not running.

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Speaker 2: I'm sure. She was like, I'm an adult, so I'm

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Speaker 2: gonna choose. I'm gonna make a conscious choice to unchoose

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Speaker 2: this DNC. Bye, guys, Yeah what Yeah, some people are

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Speaker 2: just crazy. I'm glad she's like living a normal life.

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Speaker 1: What was that noise?

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Speaker 2: Oh did you hear that?

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Speaker 1: Oh?

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Speaker 2: Something to sorry? Just I put on a website and

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Speaker 2: started playing, Oh crap, I'll edit that out my bad

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Speaker 2: auto play kamos. Anything else in the news, Just.

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Speaker 1: Some silliness by little bow Wow. I posted on my

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Speaker 1: own page throwback. Yeah, so a little bow Wow in

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Speaker 1: all his ignorance, he did an interview I forget with who,

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Speaker 1: but he said that he cannot relate to those civil

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Speaker 1: rights movement and to the ills that people of color

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Speaker 1: are facing. For those of you who don't know, Little

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Speaker 1: bow Wow used to be like a rapper back.

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Speaker 2: In many of you may not know right for real.

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Speaker 1: Because he's he was literally when he was a rapper,

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Speaker 1: he was like eight nine years old. But now he's

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Speaker 1: like on bt as like a host and stuff. But

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Speaker 1: google a little biral. He was totally adorable. He was

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Speaker 1: like a protege of Snoop Dogg, which I hope you

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Speaker 1: do know. And so anyway, he says, even though he

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Speaker 1: is clearly black and like not like like black, like

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Speaker 1: brown skin black, like no, you cannot mistake him for

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Speaker 1: something other that he does not relate to civil rights

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Speaker 1: movement or the trouble that black people are facing right

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Speaker 1: now because he is and I quote mixed. So I

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Speaker 1: was like, oh, that's weird. So of course black Twitter

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Speaker 1: commenced to dragging him, dragging him. I just looked black

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Speaker 1: dragging him, and they dragged him hard and long and

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Speaker 1: one thing, so I wrote, I usually I don't write

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Speaker 1: like shade on my personal page, but I saw this

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Speaker 1: funny quote somebody wrote about him, so I had to

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Speaker 1: share it, and it was don't shoot I mixed dash

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Speaker 1: little ball like a little we don't sit your black

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Speaker 1: behind down, like just don't you don't have to say anything.

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Speaker 1: I don't understand why people don't get that. You know,

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Speaker 1: you don't have to say anything. Yes, you have freedom

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Speaker 1: of speech, but it doesn't mean you have freedom from consequences.

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Speaker 1: So he is the new Raven Simone and it was

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Speaker 1: kind of giggly, and actually that leads me into what

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Speaker 1: I'm going to take for my brown break.

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Speaker 2: Well, let me just quickly say, they do not speak

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Speaker 2: for all mixed people. We do not. We don't own him.

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Speaker 2: We're gonna trade him for someone else.

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Speaker 1: Nobody wants a little bow. We're like, we're trying to

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Speaker 1: figure out which team in the Black Sit that we

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Speaker 1: should send him to because we don't want to him

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Speaker 1: and Raven Simone package someone else can happen.

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Speaker 2: Did you see the black Seit movement hashtag black Sit. Yeah,

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Speaker 2: it's like the if all black people just exited America,

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Speaker 2: It's like you should go. It's like I just all

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Speaker 2: post on the blog, but it's on the on the

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Speaker 2: Facebook page, but it's twenty one things we're taking with

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Speaker 2: us if we leave. It's like Beyonce, duh yuh, the

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Speaker 2: Obama's the word fleak, He'll degrass Tyson and the Whip

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Speaker 2: Ane Rhythm soul food, Hot Sauce, Oprah Cornrose, Gospel music,

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Speaker 2: Will Smith, Woman's Voice, Shondaland Yes, Shondaland, oh man, that's

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Speaker 2: funny and then awesome, we love you took it even

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Speaker 2: further on her site, which if you just like want

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Speaker 2: the double whammy love love.

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Speaker 1: Yeah, I love lovely Yeah.

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Speaker 2: Yeah. I heard you do on the show.

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Speaker 1: I know, and I just missed her. So yesterday I

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Speaker 1: spoke at I spoke at a Black Girl's Rock has

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Speaker 1: summer conference for young women of color called Black Girl's Lead,

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Speaker 1: And so for the second time we spoke, Like when

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Speaker 1: I first met Lovey. I met her last year there

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Speaker 1: and she hit me up. She was like, oh man,

432
00:21:47,080 --> 00:21:49,120
Speaker 1: I just missed you by an hour. So she spoke

433
00:21:49,160 --> 00:21:50,919
Speaker 1: an hour after me. But I spoke yesterday and it

434
00:21:50,960 --> 00:21:53,560
Speaker 1: was pretty awesome teaching. It was like one hundred and

435
00:21:53,600 --> 00:21:57,720
Speaker 1: sixty something young women of color some basic personal financial

436
00:21:57,880 --> 00:21:59,480
Speaker 1: things and it was fun, a lot of fun.

437
00:22:03,080 --> 00:22:04,639
Speaker 2: All right, guys, Well, we usually do this later in

438
00:22:04,680 --> 00:22:07,080
Speaker 2: the show, but I want to We're gonna answer questions

439
00:22:07,280 --> 00:22:08,639
Speaker 2: later in the show, but I want to do my

440
00:22:08,680 --> 00:22:11,800
Speaker 2: little call out now while you're still listening. Do you

441
00:22:11,840 --> 00:22:14,399
Speaker 2: have questions you want us to answer money or career wise.

442
00:22:14,520 --> 00:22:17,200
Speaker 2: You can send us an email at Brand Ambition Podcast

443
00:22:17,640 --> 00:22:20,080
Speaker 2: at gmail dot com and you may hear your question

444
00:22:20,200 --> 00:22:20,760
Speaker 2: on the show.

445
00:22:24,119 --> 00:22:26,439
Speaker 1: So do you want a brown break? Are you going

446
00:22:26,480 --> 00:22:27,159
Speaker 1: to brown boost?

447
00:22:28,359 --> 00:22:32,040
Speaker 2: I am going to give a boost this week.

448
00:22:32,040 --> 00:22:33,400
Speaker 1: All right, So I'm gonna do a break, So I'll

449
00:22:33,440 --> 00:22:35,000
Speaker 1: go first. That way we can get out of the

450
00:22:35,280 --> 00:22:36,640
Speaker 1: get the bad energy out of the way.

451
00:22:36,800 --> 00:22:37,240
Speaker 2: Okay.

452
00:22:37,520 --> 00:22:40,400
Speaker 1: So I had posted on Afraid, No, No, it wasn't

453
00:22:40,400 --> 00:22:43,080
Speaker 1: anything crazy. I posted yesterday that I was super excited

454
00:22:43,080 --> 00:22:46,040
Speaker 1: to be speaking at Black Girls Rocks summer camp for

455
00:22:46,119 --> 00:22:49,120
Speaker 1: girls Black Girls Lead, and you know, and most people

456
00:22:49,160 --> 00:22:52,120
Speaker 1: were like yes, girl. And then a high school friend.

457
00:22:52,119 --> 00:22:53,680
Speaker 1: So I went to the majority white high school. And

458
00:22:53,680 --> 00:22:55,760
Speaker 1: when I mean majority, I mean there was like, hmm,

459
00:22:56,080 --> 00:22:59,680
Speaker 1: five black kids in my in my uh my high

460
00:22:59,720 --> 00:23:03,560
Speaker 1: school class. And so I had friends, you know, I

461
00:23:03,560 --> 00:23:05,800
Speaker 1: had black friends, I had African friends since I'm African,

462
00:23:05,880 --> 00:23:08,800
Speaker 1: and I had white friends. And so one of she

463
00:23:08,920 --> 00:23:10,800
Speaker 1: wasn't really a friend, but definitely we were cool in

464
00:23:10,880 --> 00:23:15,960
Speaker 1: high school. Wrote under my post this is the problem

465
00:23:16,560 --> 00:23:21,679
Speaker 1: with people today. Everything is separated by race. Why can't

466
00:23:21,720 --> 00:23:22,680
Speaker 1: all girls rock?

467
00:23:23,720 --> 00:23:26,520
Speaker 2: Oh? And I was like, she's one of them.

468
00:23:27,200 --> 00:23:30,320
Speaker 1: Yes, So I resisted the urge to drag her because

469
00:23:30,359 --> 00:23:32,440
Speaker 1: I knew her, you know, and I don't know her

470
00:23:32,480 --> 00:23:34,760
Speaker 1: to be like a you know, a negative, terrible person.

471
00:23:34,840 --> 00:23:37,040
Speaker 1: So I wrote her back and I just said that

472
00:23:37,280 --> 00:23:40,520
Speaker 1: all girls do rock, and that I think you're mistaken

473
00:23:41,040 --> 00:23:44,440
Speaker 1: black girls rock with the saying that like only black

474
00:23:44,480 --> 00:23:47,600
Speaker 1: girls rock, What this means is that black girls rock too.

475
00:23:48,400 --> 00:23:50,600
Speaker 1: And said, donnad you don't. You don't and I don't

476
00:23:50,600 --> 00:23:52,440
Speaker 1: care about say her name because she put herself out there.

477
00:23:52,960 --> 00:23:57,959
Speaker 1: You don't understand what it's like to be black in

478
00:23:58,000 --> 00:24:00,359
Speaker 1: America because you're not. And I can understan that that

479
00:24:00,400 --> 00:24:02,800
Speaker 1: you don't understand, because how can you. And I said,

480
00:24:02,800 --> 00:24:06,240
Speaker 1: because there's so many negative images for young women of

481
00:24:06,280 --> 00:24:09,439
Speaker 1: color that this is supposed to counteract that. And so

482
00:24:09,480 --> 00:24:12,360
Speaker 1: we're not saying that other girls don't rock. We're saying, hey,

483
00:24:12,400 --> 00:24:14,919
Speaker 1: black girl, I know they tell you otherwise, but you

484
00:24:15,240 --> 00:24:17,800
Speaker 1: rock too. And I said, Donna, I say, you have

485
00:24:17,840 --> 00:24:19,880
Speaker 1: two beautiful daughters, and I would hope that you would

486
00:24:19,920 --> 00:24:22,840
Speaker 1: want for them what everybody wants for their children, to

487
00:24:22,920 --> 00:24:26,600
Speaker 1: be loved and looked after and told that they're great.

488
00:24:26,800 --> 00:24:29,040
Speaker 1: And that's what this is supposed to do, and she

489
00:24:29,080 --> 00:24:31,600
Speaker 1: went on to say something like, well, I'm white and

490
00:24:31,640 --> 00:24:34,280
Speaker 1: I live in Newark, and living in Newark was ten

491
00:24:34,320 --> 00:24:37,280
Speaker 1: times harder than I'm sure you living in Westfield. One.

492
00:24:37,440 --> 00:24:39,160
Speaker 1: I was like, well, I would not know what it's

493
00:24:39,160 --> 00:24:41,119
Speaker 1: like to be a white woman living in Newark, just

494
00:24:41,160 --> 00:24:42,480
Speaker 1: like you do not know what it was like to

495
00:24:42,520 --> 00:24:45,000
Speaker 1: be a black young woman living in Westfield. So that's

496
00:24:45,040 --> 00:24:48,800
Speaker 1: one and two. Living in Newark is a choice. Living

497
00:24:48,840 --> 00:24:53,240
Speaker 1: amongst a predominantly black community, literally is a rare choice

498
00:24:53,240 --> 00:24:56,320
Speaker 1: that you can make. I cannot choose to not live

499
00:24:56,480 --> 00:25:00,760
Speaker 1: amongst majority white people. That's called life. This is America.

500
00:25:00,800 --> 00:25:02,720
Speaker 1: Like you know, there's no I mean, yes, I live

501
00:25:02,760 --> 00:25:05,200
Speaker 1: in Newark, but for the most part, it's it's very

502
00:25:05,200 --> 00:25:08,080
Speaker 1: few pockets where it's like that. Like, girl, my whole

503
00:25:08,119 --> 00:25:09,960
Speaker 1: life is Like how if you feeling that way about

504
00:25:09,960 --> 00:25:12,000
Speaker 1: living in Newark and people have treated you a certain

505
00:25:12,000 --> 00:25:14,399
Speaker 1: way because of your race, hello, then you should know

506
00:25:14,400 --> 00:25:16,320
Speaker 1: how it feel. That's how it feels for every single day,

507
00:25:16,359 --> 00:25:19,840
Speaker 1: for every other black person out there. And yeah, I

508
00:25:19,880 --> 00:25:21,320
Speaker 1: don't know, she like wrote me some I guess somebody

509
00:25:21,520 --> 00:25:23,560
Speaker 1: ended up dragging her so she took down her comment,

510
00:25:23,640 --> 00:25:26,159
Speaker 1: but It just had me thinking to myself, like, you know,

511
00:25:26,720 --> 00:25:28,720
Speaker 1: like when I was in high school, don't hung out

512
00:25:28,720 --> 00:25:31,600
Speaker 1: with the black kids. It wasn't like she was. She

513
00:25:31,640 --> 00:25:33,760
Speaker 1: had friends of all races. She was a cool girl.

514
00:25:33,840 --> 00:25:35,679
Speaker 1: You know, I always liked her. She's always been nice.

515
00:25:35,840 --> 00:25:37,760
Speaker 1: So it's not even like I can separate myself and

516
00:25:37,800 --> 00:25:40,320
Speaker 1: be like, oh, that's that racis shake And so it

517
00:25:40,359 --> 00:25:44,879
Speaker 1: had me really thinking about, like, you know, how people

518
00:25:45,000 --> 00:25:48,960
Speaker 1: think and how they cannot relate, and how how do

519
00:25:49,000 --> 00:25:50,840
Speaker 1: you change that. I didn't you know, she even she

520
00:25:50,920 --> 00:25:53,000
Speaker 1: sent me an email and I wanted to I don't

521
00:25:53,040 --> 00:25:57,800
Speaker 1: know what to say to like have her think differently.

522
00:25:57,880 --> 00:25:59,439
Speaker 1: And I guess she's thinking the same way about me.

523
00:25:59,520 --> 00:26:02,160
Speaker 1: She still think it's wrong to separate, And I'm like, ah,

524
00:26:02,600 --> 00:26:02,920
Speaker 1: I can.

525
00:26:02,880 --> 00:26:05,439
Speaker 2: Think, is that there's anything you can say? It's up

526
00:26:05,440 --> 00:26:09,040
Speaker 2: to her, Like it's not our responsibility to teach them

527
00:26:10,320 --> 00:26:13,200
Speaker 2: what they're doing, Like it's not our responsibility to explain

528
00:26:13,240 --> 00:26:16,280
Speaker 2: to them what we mean behind the movement, Like we understand,

529
00:26:16,760 --> 00:26:19,439
Speaker 2: we get it. They need to catch up, Like I

530
00:26:19,440 --> 00:26:20,840
Speaker 2: think we put a lot of And that's where the

531
00:26:20,880 --> 00:26:23,520
Speaker 2: frustration comes from, because we constantly want to convince everyone

532
00:26:23,560 --> 00:26:26,399
Speaker 2: else of our experience. It's not our experience is mattering

533
00:26:26,440 --> 00:26:28,240
Speaker 2: that we our voices matter, and if they don't want

534
00:26:28,240 --> 00:26:30,120
Speaker 2: to hear it, then that's, you know, fine. I don't

535
00:26:31,200 --> 00:26:34,280
Speaker 2: get You'll be lost trying to convince these people that

536
00:26:34,320 --> 00:26:37,280
Speaker 2: they're wrong and that our experiences matter and that our

537
00:26:37,359 --> 00:26:40,320
Speaker 2: voices matter. It's my kind of cynical opinion, but I

538
00:26:40,359 --> 00:26:42,959
Speaker 2: think just to take that pressure off yourself, like you

539
00:26:43,000 --> 00:26:43,560
Speaker 2: don't have to.

540
00:26:44,440 --> 00:26:47,080
Speaker 1: Yeah, so what's your brown boost?

541
00:26:48,359 --> 00:26:50,640
Speaker 2: Well, I wish it was something better, like really good

542
00:26:50,680 --> 00:26:52,600
Speaker 2: to like follow that, but I was going to give

543
00:26:52,600 --> 00:26:54,320
Speaker 2: a boost to financial planners.

544
00:26:54,640 --> 00:26:56,679
Speaker 1: Okay, good, go.

545
00:26:56,680 --> 00:27:00,959
Speaker 2: Ahead, I was going to talk about that. So so, uh,

546
00:27:01,080 --> 00:27:03,880
Speaker 2: honey boo boo and I, Oh, I mean fiance boo

547
00:27:03,880 --> 00:27:06,359
Speaker 2: and I honey Boo boo. May she rest in peace.

548
00:27:06,400 --> 00:27:08,480
Speaker 2: I don't know where she is wherever you are, honeyboob,

549
00:27:08,480 --> 00:27:12,520
Speaker 2: but I hope someone's helping you fiance boo and I.

550
00:27:12,720 --> 00:27:17,879
Speaker 2: So we obviously are preparing to journey into the next

551
00:27:17,920 --> 00:27:20,199
Speaker 2: phase of marriage and all that kind of crap. But

552
00:27:20,359 --> 00:27:22,840
Speaker 2: I have we been talking. We've been trying to like

553
00:27:23,280 --> 00:27:25,640
Speaker 2: figure out how our finances are going to function when

554
00:27:25,640 --> 00:27:27,000
Speaker 2: we're get when we're married and we kind of have

555
00:27:27,040 --> 00:27:30,160
Speaker 2: a good system going now, but you know, we're talking

556
00:27:30,200 --> 00:27:34,800
Speaker 2: about weddings and buying a house and maybe having kids,

557
00:27:34,840 --> 00:27:36,840
Speaker 2: and like it's just a lot of it just feels

558
00:27:36,840 --> 00:27:38,920
Speaker 2: like the most crucial time in our life, like this

559
00:27:39,000 --> 00:27:41,679
Speaker 2: is when we could either make great decisions or we

560
00:27:41,720 --> 00:27:45,480
Speaker 2: could like fuck it all up. So I thought it

561
00:27:45,480 --> 00:27:46,720
Speaker 2: would be we thought it would be a good idea

562
00:27:46,760 --> 00:27:49,280
Speaker 2: to start interviewing financial planners, like someone who can kind

563
00:27:49,280 --> 00:27:52,200
Speaker 2: of like help like be our coach throughout this next

564
00:27:52,280 --> 00:27:55,159
Speaker 2: year and really help us like set us up for

565
00:27:55,240 --> 00:27:56,960
Speaker 2: the goals we want to achieve and like get a

566
00:27:57,000 --> 00:27:59,760
Speaker 2: professional opinion who's going to like look at our finances

567
00:27:59,760 --> 00:28:01,800
Speaker 2: and just say, well, here's what you want, here's what

568
00:28:01,840 --> 00:28:04,720
Speaker 2: you can afford, and here's what you can't afford right now,

569
00:28:04,760 --> 00:28:06,880
Speaker 2: but you know, here's a plan to get you there

570
00:28:06,920 --> 00:28:09,080
Speaker 2: in the next like two, three, four or five years

571
00:28:09,160 --> 00:28:11,639
Speaker 2: or whatever. So I wanted to give a shout out.

572
00:28:11,680 --> 00:28:14,040
Speaker 2: We haven't officially like hired our financial planner, but we've

573
00:28:14,080 --> 00:28:18,080
Speaker 2: interviewed a couple, and I really wanted to find someone

574
00:28:18,240 --> 00:28:20,719
Speaker 2: who was like near us in New York, who had

575
00:28:20,760 --> 00:28:22,240
Speaker 2: like an idea of what it costs to live here,

576
00:28:22,600 --> 00:28:25,560
Speaker 2: But then who also is used to talking to young

577
00:28:25,560 --> 00:28:28,080
Speaker 2: couples like us? And I don't know if you've noticed,

578
00:28:28,080 --> 00:28:30,399
Speaker 2: but whenever you hear financial planners or you see them, like,

579
00:28:30,480 --> 00:28:35,639
Speaker 2: it's mostly over seventy white dudes, none exactly, and you

580
00:28:35,640 --> 00:28:38,480
Speaker 2: know they're used to dealing with like Betty and George,

581
00:28:38,720 --> 00:28:41,640
Speaker 2: who are you know, have retirements and nest eggs and

582
00:28:41,680 --> 00:28:44,480
Speaker 2: things like that and are later in life. But there's

583
00:28:44,520 --> 00:28:48,320
Speaker 2: not really that many younger financial planners, and especially female

584
00:28:48,400 --> 00:28:51,240
Speaker 2: financial planners. So I wanted to give a shout out,

585
00:28:51,320 --> 00:28:55,120
Speaker 2: especially to the x Y Planning Network x Y Planning

586
00:28:55,120 --> 00:28:59,000
Speaker 2: Network dot com. It's a network of x Y like

587
00:28:59,120 --> 00:29:02,720
Speaker 2: generation X generation why financial planners who are specializing and

588
00:29:02,760 --> 00:29:06,760
Speaker 2: working with people in their own age demographic. Yeah. So

589
00:29:06,960 --> 00:29:09,440
Speaker 2: I went to xy Planning and I already know I

590
00:29:09,480 --> 00:29:13,560
Speaker 2: know Alan Moore who created this network. I met him

591
00:29:13,600 --> 00:29:15,600
Speaker 2: just through work and so I was like, Alan, I'm

592
00:29:15,600 --> 00:29:18,440
Speaker 2: going to try using XY Planning Network. And we started

593
00:29:18,440 --> 00:29:21,840
Speaker 2: intervieering planners and it's been great. Like most of them

594
00:29:21,920 --> 00:29:24,680
Speaker 2: and they're all like virtual, they're not virtual planners, but

595
00:29:24,720 --> 00:29:27,440
Speaker 2: a lot of them are. They you know, are happy

596
00:29:27,440 --> 00:29:29,800
Speaker 2: to work with clients you aren't necessarily in the same state,

597
00:29:29,920 --> 00:29:31,720
Speaker 2: so you don't have to meet with them face to face.

598
00:29:31,800 --> 00:29:34,640
Speaker 2: But we talked to one planner who makes several trips

599
00:29:34,680 --> 00:29:37,280
Speaker 2: to New York a year. She's based in Atlanta and

600
00:29:37,400 --> 00:29:39,760
Speaker 2: has like face to face visits with you, But then

601
00:29:39,840 --> 00:29:42,960
Speaker 2: a lot of the work is done online, like through Skype,

602
00:29:43,400 --> 00:29:46,600
Speaker 2: and they all are very tech savvy, so they make

603
00:29:46,640 --> 00:29:48,360
Speaker 2: it so easy for you to like work with them

604
00:29:48,680 --> 00:29:50,440
Speaker 2: and around your schedule and all that kind of stuff.

605
00:29:50,480 --> 00:29:54,360
Speaker 2: So I'm excited for this next phase, and I love

606
00:29:54,560 --> 00:29:56,760
Speaker 2: I'm really excited about the financial planner and just knowing

607
00:29:56,760 --> 00:30:00,479
Speaker 2: that we're going to have someone who's impartial and like

608
00:30:01,040 --> 00:30:04,040
Speaker 2: unemotional about art because you know, there's so many emotions.

609
00:30:04,320 --> 00:30:06,440
Speaker 2: I mean, ninety nine percent of financial planning is like

610
00:30:06,520 --> 00:30:09,600
Speaker 2: controlling the emotion of your client when your client is like,

611
00:30:09,640 --> 00:30:11,240
Speaker 2: but I have always dreamed of having a house in

612
00:30:11,280 --> 00:30:13,680
Speaker 2: the mountains and in the suburbs. And they're like, Okay,

613
00:30:13,720 --> 00:30:17,560
Speaker 2: well that's a dream fantasy, here's reality, Like here's what

614
00:30:17,600 --> 00:30:20,960
Speaker 2: the numbers say. And I feel like we really need that,

615
00:30:21,120 --> 00:30:23,959
Speaker 2: especially like these are huge decisions we're going to make

616
00:30:23,960 --> 00:30:26,040
Speaker 2: in the next year, like huge ones, you know, where

617
00:30:26,040 --> 00:30:28,280
Speaker 2: we're going to live where we want to raise kids,

618
00:30:28,360 --> 00:30:31,880
Speaker 2: you know, where we're going to work, and and uh,

619
00:30:32,160 --> 00:30:35,000
Speaker 2: you know, even just like planning for a honeymoon that

620
00:30:35,080 --> 00:30:36,560
Speaker 2: kind of crap, Like how are we going to achieve

621
00:30:36,600 --> 00:30:40,840
Speaker 2: all this stuff in the next couple of years? So uh,

622
00:30:41,200 --> 00:30:42,000
Speaker 2: that's all I got.

623
00:30:44,080 --> 00:30:46,720
Speaker 1: Well, I think having a financial planet that earlier the better.

624
00:30:46,720 --> 00:30:50,400
Speaker 1: And you're right, especially when you're dealing with Boo, having

625
00:30:50,480 --> 00:30:53,280
Speaker 1: somebody who's impartial, so that way you both can be

626
00:30:53,320 --> 00:30:55,720
Speaker 1: like kind of like you can kind of roost it

627
00:30:55,800 --> 00:30:58,680
Speaker 1: and be like, well, I don't have to I don't

628
00:30:58,720 --> 00:31:00,760
Speaker 1: have to worry that you know that this is a

629
00:31:00,800 --> 00:31:04,520
Speaker 1: mandy plan or of you know, finance. What's it called it,

630
00:31:04,560 --> 00:31:09,240
Speaker 1: honey boobo plant not honey boo boo. I'm like, ah,

631
00:31:09,280 --> 00:31:11,400
Speaker 1: the whey are gods scathing me? If ya boot plant?

632
00:31:11,520 --> 00:31:14,080
Speaker 1: But yeah, just having somebody a third third listening ear

633
00:31:14,280 --> 00:31:16,120
Speaker 1: is a is a great idea. So I'm excited for

634
00:31:16,200 --> 00:31:18,240
Speaker 1: you guys. I mean, I think it's time for next

635
00:31:18,320 --> 00:31:19,960
Speaker 1: level for everyone when it comes to our money.

636
00:31:20,720 --> 00:31:23,800
Speaker 2: I'm not using this person to earn money, Like it's

637
00:31:23,840 --> 00:31:25,840
Speaker 2: not that kind of relationship, Like I'm not it's like

638
00:31:25,880 --> 00:31:28,560
Speaker 2: more of an investment broker, like someone who who says,

639
00:31:28,600 --> 00:31:31,080
Speaker 2: I'm going to invest your assets in these five categories

640
00:31:31,120 --> 00:31:32,560
Speaker 2: and then we're going to get these returns at the

641
00:31:32,640 --> 00:31:35,000
Speaker 2: end of the year. Like that's not this relationship. This

642
00:31:35,200 --> 00:31:37,200
Speaker 2: is someone who literally is going to create Like we're

643
00:31:37,200 --> 00:31:39,440
Speaker 2: going to tell her our goals him or her, here's

644
00:31:39,480 --> 00:31:42,280
Speaker 2: our goals, here's what we earn. You help us come

645
00:31:42,360 --> 00:31:45,200
Speaker 2: up with a step by step planned make. Tell us

646
00:31:45,240 --> 00:31:47,960
Speaker 2: how much we need to be saving. Tell us, tell

647
00:31:48,080 --> 00:31:50,080
Speaker 2: us how we can structure our finances so that we

648
00:31:50,160 --> 00:31:52,719
Speaker 2: can both have joint accounts but then still have our

649
00:31:52,720 --> 00:31:55,840
Speaker 2: own independent accounts, you know, and she's gonna look or

650
00:31:55,840 --> 00:31:58,200
Speaker 2: he's gonna look at our holistic finances, you know, look

651
00:31:58,280 --> 00:32:00,840
Speaker 2: at student loan debt, and and you know what our

652
00:32:00,920 --> 00:32:03,560
Speaker 2: liabilities and what our assets are. And then tell us,

653
00:32:03,800 --> 00:32:06,040
Speaker 2: here's how much house you can afford, or so much,

654
00:32:06,120 --> 00:32:08,600
Speaker 2: here's how much down payment you can afford, and you

655
00:32:08,600 --> 00:32:11,120
Speaker 2: should start saving this month a month, this much money

656
00:32:11,120 --> 00:32:12,880
Speaker 2: a month, put it in this account to save it

657
00:32:12,960 --> 00:32:15,560
Speaker 2: toward the down payment. That kind of advice I.

658
00:32:15,640 --> 00:32:17,880
Speaker 1: See you almost like like like it's like getting like

659
00:32:17,880 --> 00:32:20,920
Speaker 1: an accountant thin because when people think financial advisor, you know,

660
00:32:21,040 --> 00:32:23,080
Speaker 1: sometimes when I read these books, it's like, well, if

661
00:32:23,120 --> 00:32:25,520
Speaker 1: your financial advisor fees are more than what you're making

662
00:32:25,520 --> 00:32:28,080
Speaker 1: a year, it's not a good investment. But I don't

663
00:32:28,080 --> 00:32:30,560
Speaker 1: think like that when I'm hiring my accountant or hiring

664
00:32:30,640 --> 00:32:33,400
Speaker 1: my lawyer or whatever. I'm more so thinking like, this

665
00:32:33,560 --> 00:32:36,240
Speaker 1: is a professional person that I'm hiring to give me

666
00:32:36,320 --> 00:32:39,680
Speaker 1: advice so I can move in the best direction possible.

667
00:32:39,960 --> 00:32:41,840
Speaker 1: So separating like, okay, I like that.

668
00:32:42,320 --> 00:32:46,040
Speaker 2: Definitely financial planner advisor they're counting is interchangeably, I guess

669
00:32:46,160 --> 00:32:47,800
Speaker 2: in the best sense. This is like a financial planning

670
00:32:47,840 --> 00:32:50,160
Speaker 2: It's called the X Y Planning Networks. They're all planners.

671
00:32:50,600 --> 00:32:51,760
Speaker 1: Okay, okay, I like that.

672
00:32:52,320 --> 00:32:54,600
Speaker 2: Yeah, well thanks, I feel that I got my affirmation.

673
00:32:54,760 --> 00:32:59,400
Speaker 1: Then, don't even like somebody So I was at this

674
00:32:59,440 --> 00:33:02,040
Speaker 1: thing called and this lady like so I told this

675
00:33:02,120 --> 00:33:04,040
Speaker 1: to Mandy but I think it's fun and that, and

676
00:33:04,120 --> 00:33:06,360
Speaker 1: someone recognized my voice and they were like, oh my god,

677
00:33:06,520 --> 00:33:09,600
Speaker 1: are you Tiffany from the Brown Ambition podcast. And we

678
00:33:09,680 --> 00:33:11,240
Speaker 1: were giggling, and I was like, you know, I'm just

679
00:33:11,280 --> 00:33:13,560
Speaker 1: silly winning She was like, yeah, but Mandy's really funny too,

680
00:33:13,640 --> 00:33:17,760
Speaker 1: but like low key, like she's like the straight man funny.

681
00:33:18,120 --> 00:33:22,520
Speaker 1: I was like, what Mandy goes throws those jabs. You're like, ah, okay,

682
00:33:22,680 --> 00:33:32,920
Speaker 1: I'll see you all right. So I think that we

683
00:33:33,000 --> 00:33:34,280
Speaker 1: did a brown bray and I feel like, I don't

684
00:33:34,280 --> 00:33:35,640
Speaker 1: know if we have any questions, but I feel like

685
00:33:35,760 --> 00:33:39,400
Speaker 1: your financial brown boost kind of answered probably a question

686
00:33:39,600 --> 00:33:40,360
Speaker 1: or two for someone.

687
00:33:40,960 --> 00:33:43,600
Speaker 2: Do you have a quick question? Okay from a reader?

688
00:33:43,800 --> 00:33:45,880
Speaker 2: And oh maybe I'll say this one. We might have

689
00:33:45,920 --> 00:33:47,840
Speaker 2: a very special guest. We might have our very first

690
00:33:47,880 --> 00:33:50,680
Speaker 2: brand Ambition listener, come on the podcast. I'm gonna tell

691
00:33:50,680 --> 00:33:52,080
Speaker 2: you a little bit about her now, and I haven't

692
00:33:52,080 --> 00:33:54,480
Speaker 2: even asked Tiffany for permission, but I'm just gonna, like,

693
00:33:54,680 --> 00:33:56,840
Speaker 2: I have a feeling you'll like her. So we got

694
00:33:56,880 --> 00:34:00,320
Speaker 2: an email from one of our listeners named Keana Hia.

695
00:34:01,200 --> 00:34:03,440
Speaker 2: She's a therapist based in Houston, but she says she's

696
00:34:03,440 --> 00:34:05,240
Speaker 2: had a bucket list goal to travel the world with

697
00:34:05,720 --> 00:34:08,520
Speaker 2: her nine year old daughter, starting with the fifty States,

698
00:34:08,560 --> 00:34:11,279
Speaker 2: to be completed by the time she's thirteen, so in

699
00:34:11,280 --> 00:34:14,600
Speaker 2: the next four years, and then after that she's going

700
00:34:14,640 --> 00:34:17,920
Speaker 2: to travel every year internationally to a different continent. So

701
00:34:18,160 --> 00:34:20,320
Speaker 2: by the time her daughter is twenty she's seen the

702
00:34:20,520 --> 00:34:22,640
Speaker 2: entire world. Is this not the best mom ever?

703
00:34:23,200 --> 00:34:23,439
Speaker 1: Yeah?

704
00:34:24,320 --> 00:34:26,560
Speaker 2: So, currently, Keiana and her nine year old little girl

705
00:34:26,680 --> 00:34:29,560
Speaker 2: are on a road trip covering twelve states, primarily in

706
00:34:29,600 --> 00:34:32,799
Speaker 2: the Midwest. Are going to Arkansas, Tennessee. That's not really

707
00:34:32,800 --> 00:34:35,440
Speaker 2: the Midwest, but Okay, Missouri, Ohio, Okay, here we get

708
00:34:35,480 --> 00:34:40,320
Speaker 2: in there, Indiana, Illinois, Wisconsin, Iowa, Kansas, and Oklahoma. And

709
00:34:40,440 --> 00:34:42,799
Speaker 2: if you don't love her already, additionally, she says, we're

710
00:34:42,840 --> 00:34:46,080
Speaker 2: doing community service and group activities with children and families

711
00:34:46,200 --> 00:34:50,000
Speaker 2: along the way. They did Pacific Northwest Coast over the

712
00:34:50,080 --> 00:34:53,200
Speaker 2: Christmas holiday, and they're planning on going to New England

713
00:34:53,400 --> 00:34:56,399
Speaker 2: next summer. And I just love this email so much

714
00:34:56,440 --> 00:34:58,520
Speaker 2: and like what she's doing for her daughter. So I

715
00:34:58,560 --> 00:35:00,359
Speaker 2: thought we should have Kiana come to time talk about

716
00:35:00,360 --> 00:35:00,879
Speaker 2: it on the show.

717
00:35:01,560 --> 00:35:02,760
Speaker 1: Yeah, that would be awesome.

718
00:35:03,000 --> 00:35:05,440
Speaker 2: I mean, how do you finance a trip like that,

719
00:35:05,960 --> 00:35:07,920
Speaker 2: you know, and financially how is she planning it? And

720
00:35:08,400 --> 00:35:10,000
Speaker 2: I mean her little Oh, we should have her daughter

721
00:35:10,080 --> 00:35:11,640
Speaker 2: on too to tell us, you know, what she's learning

722
00:35:11,680 --> 00:35:14,600
Speaker 2: along the way. That's awesome. And doing service too.

723
00:35:15,280 --> 00:35:18,719
Speaker 1: No, that's awesome to travel and be of service. Yeah,

724
00:35:18,920 --> 00:35:20,239
Speaker 1: that's those two things are great.

725
00:35:20,640 --> 00:35:22,239
Speaker 2: I was just happy to go to four age camp

726
00:35:22,280 --> 00:35:26,719
Speaker 2: for a week, right, right? We just like, how many

727
00:35:26,760 --> 00:35:29,680
Speaker 2: episodes of Prices have price of right? No prices? Right?

728
00:35:29,760 --> 00:35:31,680
Speaker 2: Did I watch between the ages of nine and thirteen,

729
00:35:32,000 --> 00:35:34,200
Speaker 2: Probably like hundreds, because that's what I did with my

730
00:35:34,280 --> 00:35:34,680
Speaker 2: free time.

731
00:35:35,640 --> 00:35:36,960
Speaker 1: We used to There was used to be this camp

732
00:35:37,000 --> 00:35:39,160
Speaker 1: that we'd walked to. It was called Recreation. If anybody

733
00:35:39,239 --> 00:35:42,800
Speaker 1: all from Rose down, New Jersey, you remember Recreation.

734
00:35:42,640 --> 00:35:44,279
Speaker 2: That's what the camp was called. They couldn't come up

735
00:35:44,280 --> 00:35:45,360
Speaker 2: with anything better, you know.

736
00:35:45,440 --> 00:35:47,880
Speaker 1: And at the time, I didn't realize that recreation was

737
00:35:48,040 --> 00:35:50,480
Speaker 1: like like I didn't I didn't understand the meaning of

738
00:35:50,520 --> 00:35:53,000
Speaker 1: the word recreation, and so I just thought that that

739
00:35:53,120 --> 00:35:54,640
Speaker 1: was like a name like Mandy, like, oh, we go

740
00:35:54,719 --> 00:35:56,640
Speaker 1: to recreation, Like, oh girl, that's.

741
00:35:57,920 --> 00:35:59,799
Speaker 2: That's like someone put it in there does a place

742
00:36:00,280 --> 00:36:02,719
Speaker 2: and they were like, I guess we'll just save it. Yeah.

743
00:36:03,000 --> 00:36:05,239
Speaker 1: Oh. And when I got older and I said the

744
00:36:05,280 --> 00:36:07,960
Speaker 1: word out loud, I was because I saw somebody who

745
00:36:08,040 --> 00:36:09,600
Speaker 1: I went to camp with. I was like, I remember,

746
00:36:09,600 --> 00:36:11,439
Speaker 1: we used to go to Recreation. Then I realized, wait,

747
00:36:11,800 --> 00:36:14,800
Speaker 1: was that the name? That's terrible? And anyway, Yeah, so

748
00:36:15,680 --> 00:36:17,680
Speaker 1: it was just really like a day camp. You would

749
00:36:17,760 --> 00:36:23,040
Speaker 1: walk like three miles too, and you just play outside

750
00:36:23,080 --> 00:36:26,040
Speaker 1: basically with like some like teens and like young adults

751
00:36:26,080 --> 00:36:27,640
Speaker 1: watching you, making sure you didn't kill yourself, and then

752
00:36:27,680 --> 00:36:29,440
Speaker 1: walk home so your parents could get a break from

753
00:36:29,440 --> 00:36:32,360
Speaker 1: you in the summertime. But yeah, I learned how to

754
00:36:32,400 --> 00:36:34,280
Speaker 1: play double dutch. I learned how to play checkers.

755
00:36:35,239 --> 00:36:37,719
Speaker 2: Don't wonder, I wonder if I could still do double dutch.

756
00:36:37,840 --> 00:36:42,360
Speaker 2: I was quite the cinder ella luster fella had a

757
00:36:42,560 --> 00:36:44,320
Speaker 2: dress and something yell.

758
00:36:45,560 --> 00:36:47,920
Speaker 1: No, I can't even. I was like, I moved right

759
00:36:48,000 --> 00:36:49,560
Speaker 1: before I really got the hang of it. So we

760
00:36:49,640 --> 00:36:52,239
Speaker 1: went from Roselle, which was like I would say it

761
00:36:52,239 --> 00:36:54,080
Speaker 1: was it was a mixedtown, but I would say more

762
00:36:54,120 --> 00:36:56,920
Speaker 1: brown than not. And then we moved to Westfield, which

763
00:36:56,960 --> 00:36:58,759
Speaker 1: was like hardly any brown. And I was just learning

764
00:36:58,800 --> 00:37:00,920
Speaker 1: how to double dutch this summer that move, so I

765
00:37:01,160 --> 00:37:04,439
Speaker 1: clearly lost all my brown girl skills like miss Mary

766
00:37:04,560 --> 00:37:07,239
Speaker 1: mac all the hand games, fly, oh my.

767
00:37:07,320 --> 00:37:10,880
Speaker 2: God, slide to the left to the right, oh my god.

768
00:37:11,320 --> 00:37:14,480
Speaker 1: Yeah, I'm like, I never heard that one. It's slide

769
00:37:14,600 --> 00:37:16,000
Speaker 1: one one one two.

770
00:37:16,480 --> 00:37:18,640
Speaker 2: Oh, okay, that's how you did in New Jersey. Well,

771
00:37:18,680 --> 00:37:23,920
Speaker 2: in Georgia. Where you do that. Oh man, okay, I'm

772
00:37:23,960 --> 00:37:25,680
Speaker 2: like doing it to myself, but no one's here.

773
00:37:26,320 --> 00:37:28,239
Speaker 1: I like miss Mary mac Oh my god. There was

774
00:37:28,320 --> 00:37:30,399
Speaker 1: so many fun games, like girl fun games that used

775
00:37:30,400 --> 00:37:30,719
Speaker 1: to play.

776
00:37:31,120 --> 00:37:32,600
Speaker 2: But yeah, so.

777
00:37:34,320 --> 00:37:38,560
Speaker 1: Yes those days. So yeah, so that's awesome, right, that's

778
00:37:38,600 --> 00:37:40,000
Speaker 1: awesome where her mom is doing for her.

779
00:37:40,480 --> 00:37:43,239
Speaker 2: So shout out to Keana and yeah, I'd love to

780
00:37:43,239 --> 00:37:44,520
Speaker 2: have you guys in the show. We're gonna be in

781
00:37:44,560 --> 00:37:46,320
Speaker 2: touch Keana. So if you're listening on the rope with

782
00:37:46,360 --> 00:37:49,279
Speaker 2: your daughter, we'll be in touch. Get you guys in

783
00:37:49,360 --> 00:37:52,200
Speaker 2: the show soon. And we had a quick, super sexy

784
00:37:52,320 --> 00:37:56,000
Speaker 2: question about mortgage. I wanted to answer from our listener Nina,

785
00:37:56,120 --> 00:37:57,520
Speaker 2: who sent a question a couple of weeks ago, so

786
00:37:57,560 --> 00:38:00,000
Speaker 2: I wanted to get to it real quick. So Nina

787
00:38:00,000 --> 00:38:02,239
Speaker 2: and I says, it's the question kind of for her mom.

788
00:38:02,480 --> 00:38:05,000
Speaker 2: She says, my mom has about forty seven thousand dollars

789
00:38:05,120 --> 00:38:07,439
Speaker 2: left on her mortgage. She's lived in the same house

790
00:38:07,480 --> 00:38:10,799
Speaker 2: since nineteen eighty seven and refinanced in nineteen ninety five

791
00:38:10,920 --> 00:38:13,440
Speaker 2: after my dad passed away. She was in her she's

792
00:38:13,520 --> 00:38:15,600
Speaker 2: in her eighties now and living on a fixed income.

793
00:38:16,080 --> 00:38:18,520
Speaker 2: But every year, her mortgage payment goes up, and I

794
00:38:18,600 --> 00:38:21,800
Speaker 2: believe it's at six percent interest. What are some options

795
00:38:21,880 --> 00:38:25,719
Speaker 2: to reduce her monthly payment and interest rate? Should she refinance?

796
00:38:26,480 --> 00:38:29,239
Speaker 2: I purchased a home last August at four point two

797
00:38:29,360 --> 00:38:31,960
Speaker 2: five percent with a fourteen hundred dollars a month mortgage,

798
00:38:32,000 --> 00:38:36,160
Speaker 2: and I put fifteen thousand dollars down? Should I refinance

799
00:38:36,280 --> 00:38:38,680
Speaker 2: as the rates are lower now and hopefully I can

800
00:38:38,719 --> 00:38:42,839
Speaker 2: get my monthly payment reduced. So two questions been onto one.

801
00:38:43,719 --> 00:38:46,080
Speaker 1: Yeah, well, I'll say this. So my dad is in

802
00:38:46,200 --> 00:38:49,520
Speaker 1: his mid seventies and they just refinanced the house because

803
00:38:49,840 --> 00:38:52,000
Speaker 1: the rates were so much lower than when he was paying.

804
00:38:52,120 --> 00:38:56,200
Speaker 1: He was able to lower his monthly him and his

805
00:38:56,560 --> 00:38:59,800
Speaker 1: my mom's their monthly mortgage by like over two hundred dollars.

806
00:39:00,480 --> 00:39:02,560
Speaker 1: Oh wow, yeah, so it was worth it. So it

807
00:39:03,120 --> 00:39:05,320
Speaker 1: it made sense. You know, my dad's an accountant and

808
00:39:05,360 --> 00:39:07,920
Speaker 1: he's like the brains behind the budgetista who taught me

809
00:39:07,960 --> 00:39:10,120
Speaker 1: what I know. So at first I was thinking, aren't

810
00:39:10,120 --> 00:39:13,360
Speaker 1: you been old to be refinancing? But because you know,

811
00:39:13,480 --> 00:39:15,319
Speaker 1: he's got to fix it income my mom still works,

812
00:39:16,000 --> 00:39:18,000
Speaker 1: it made sense. He did the max, he did the numbers,

813
00:39:18,000 --> 00:39:19,560
Speaker 1: he asked all the questions, and he was like, you

814
00:39:19,600 --> 00:39:21,399
Speaker 1: know what, I'm able to save over two hundred dollars

815
00:39:21,400 --> 00:39:23,480
Speaker 1: a month. That's less money that comes out of my

816
00:39:23,600 --> 00:39:26,600
Speaker 1: fixed income than I have. So it made sense.

817
00:39:28,080 --> 00:39:30,080
Speaker 2: Rates are very low right now, and it makes it

818
00:39:30,200 --> 00:39:32,880
Speaker 2: makes sense to especially if like so, if your mortgage

819
00:39:32,960 --> 00:39:36,279
Speaker 2: is anything over like five percent, then I would say,

820
00:39:36,880 --> 00:39:40,640
Speaker 2: heck yeah, get thee unto a bank to refinance. But

821
00:39:40,719 --> 00:39:42,360
Speaker 2: if you don't, like one of my favorite things to

822
00:39:42,360 --> 00:39:43,920
Speaker 2: send people, because my friend just asked me this on

823
00:39:43,960 --> 00:39:45,880
Speaker 2: Twitter the other day and I just sent it him.

824
00:39:45,960 --> 00:39:48,719
Speaker 2: I just sent it him, good Lord. I sent him

825
00:39:48,800 --> 00:39:52,440
Speaker 2: to a smart Asset and bank Rate both have a

826
00:39:52,480 --> 00:39:55,880
Speaker 2: really easy mortgage refinance calculator and it just kind of

827
00:39:55,960 --> 00:39:58,000
Speaker 2: you put your numbers in and it tells you how

828
00:39:58,120 --> 00:40:00,400
Speaker 2: much you stand to say by refinance, and it can

829
00:40:00,520 --> 00:40:02,920
Speaker 2: really just kind of show you, you know, is it

830
00:40:03,000 --> 00:40:04,560
Speaker 2: worth it doesn't? Does the numbers make sense?

831
00:40:05,800 --> 00:40:08,279
Speaker 1: Yeah? Yeah, exactly, That's what I really it comes down to,

832
00:40:08,400 --> 00:40:10,880
Speaker 1: do the numbers make sense? Asking about all of the

833
00:40:10,960 --> 00:40:13,279
Speaker 1: fees at the end of the day, what am I

834
00:40:13,320 --> 00:40:14,719
Speaker 1: going to be paying? My mother used to teach me

835
00:40:14,840 --> 00:40:17,840
Speaker 1: that that when you're doing any sort of financial transaction.

836
00:40:18,160 --> 00:40:21,120
Speaker 1: Get that last when I signed the paper's numbers because

837
00:40:21,120 --> 00:40:23,120
Speaker 1: a lot of times, you know, there are all of

838
00:40:23,200 --> 00:40:25,080
Speaker 1: these numbers that they throw at you, but when it

839
00:40:25,160 --> 00:40:26,640
Speaker 1: all comes down to it and you look at the

840
00:40:26,719 --> 00:40:28,520
Speaker 1: number at the end, it's not what you started with.

841
00:40:28,960 --> 00:40:32,320
Speaker 1: So asking what is that end number? What am I

842
00:40:32,480 --> 00:40:34,240
Speaker 1: really going to be paying a month as a result,

843
00:40:35,160 --> 00:40:37,120
Speaker 1: Like what is my actual bill going to look like?

844
00:40:38,200 --> 00:40:40,640
Speaker 1: And just making sure that it makes financial sense. Is

845
00:40:40,719 --> 00:40:44,080
Speaker 1: your mother struggling financially? What's the you know? I don't know.

846
00:40:44,160 --> 00:40:46,080
Speaker 1: Do you know the current interest rates right now? Mandy?

847
00:40:46,640 --> 00:40:48,400
Speaker 2: I think there are a little over three percent?

848
00:40:48,560 --> 00:40:51,160
Speaker 1: Right Ooh okay, I was thinking that so like your

849
00:40:51,200 --> 00:40:53,479
Speaker 1: mother'd be that would cut her interest rate in half,

850
00:40:54,400 --> 00:40:57,239
Speaker 1: So that would you know that might be a significant

851
00:40:57,840 --> 00:41:02,080
Speaker 1: reduction in her monthly payment. But yeah, that's what i'd say.

852
00:41:03,960 --> 00:41:08,520
Speaker 2: Current interest rates on a thirty year fixed mortgage as

853
00:41:08,600 --> 00:41:13,239
Speaker 2: of July twenty seven, twenty sixteen, drum roll please, three

854
00:41:13,320 --> 00:41:16,640
Speaker 2: point sixty three percent, fifteen year fixed two point eight

855
00:41:16,800 --> 00:41:19,160
Speaker 2: nine percent. I'm a fan of the fifteen year margat

856
00:41:19,280 --> 00:41:21,319
Speaker 2: HEO is you get that thing off your back?

857
00:41:21,719 --> 00:41:21,959
Speaker 1: Yep?

858
00:41:22,120 --> 00:41:22,600
Speaker 2: Great question.

859
00:41:23,200 --> 00:41:25,000
Speaker 1: That's what I want to go for me and I'm Superman.

860
00:41:25,040 --> 00:41:27,000
Speaker 1: We're just talking about like either I told him I

861
00:41:27,000 --> 00:41:27,920
Speaker 1: don't want to live here anymore.

862
00:41:27,960 --> 00:41:30,680
Speaker 2: I'm like, I'm over it, Like by Minny.

863
00:41:31,400 --> 00:41:33,359
Speaker 1: I know. That's the only thing that keeps me here

864
00:41:33,480 --> 00:41:36,200
Speaker 1: is that the community. It reminds me of what when

865
00:41:36,280 --> 00:41:38,000
Speaker 1: I grew up, how it was, how families are. Like

866
00:41:38,040 --> 00:41:40,200
Speaker 1: if I leave my lights on in the car, someone

867
00:41:40,239 --> 00:41:42,440
Speaker 1: will knock on my door. Like when I'm bringing like

868
00:41:42,520 --> 00:41:44,399
Speaker 1: the food in, the kids will help me bring the food,

869
00:41:44,480 --> 00:41:46,840
Speaker 1: like random kids would be like woman to help. So

870
00:41:47,680 --> 00:41:51,520
Speaker 1: they say, because you know they want those.

871
00:41:51,400 --> 00:41:53,960
Speaker 2: Ice pops, He's gonna say, what's in it for them?

872
00:41:54,320 --> 00:41:56,200
Speaker 1: I know, but they're so cute. And then like when

873
00:41:56,200 --> 00:41:58,000
Speaker 1: I can I come in the backyard, all I hear

874
00:41:58,080 --> 00:42:02,399
Speaker 1: is a chorus of Hey, Mis's cabday, you know, led

875
00:42:02,440 --> 00:42:07,000
Speaker 1: by many that's Mis Tiffany. And so I will definitely

876
00:42:07,040 --> 00:42:09,360
Speaker 1: miss because sometimes when you move deep into the suburbs,

877
00:42:10,120 --> 00:42:13,160
Speaker 1: there's a lack of community feeling there where like here,

878
00:42:13,400 --> 00:42:15,840
Speaker 1: you just it feels good when I come home, and

879
00:42:15,920 --> 00:42:18,960
Speaker 1: I get that, but then there's also like it's still Newark,

880
00:42:19,000 --> 00:42:21,400
Speaker 1: so there's some in where we live. It's like on

881
00:42:21,480 --> 00:42:24,279
Speaker 1: the borderline of like downtown and the other part of town.

882
00:42:25,719 --> 00:42:28,040
Speaker 1: And so there's like a lot of other elements that

883
00:42:28,120 --> 00:42:30,640
Speaker 1: I'm just kind of like, Yeah, I think I want

884
00:42:31,200 --> 00:42:33,600
Speaker 1: a little bit more quiet. Like, for example, I'm so

885
00:42:33,760 --> 00:42:36,720
Speaker 1: shocked that we're taping right now. Usually by now someone

886
00:42:37,040 --> 00:42:40,600
Speaker 1: is blasting their music on a huge speaker and you

887
00:42:40,800 --> 00:42:41,920
Speaker 1: just have to deal all day long.

888
00:42:42,000 --> 00:42:43,600
Speaker 2: It's gonna be so you know what it's like to

889
00:42:43,680 --> 00:42:44,360
Speaker 2: live in Innwood.

890
00:42:44,680 --> 00:42:49,640
Speaker 1: Yeah, basically, either that it depends whose barbecues that day.

891
00:42:49,760 --> 00:42:52,680
Speaker 1: Is it the you know, the Dominicans next door, whether

892
00:42:52,719 --> 00:42:56,160
Speaker 1: you're gonna hear some Spanish music, Is it the black

893
00:42:56,160 --> 00:42:58,279
Speaker 1: folks across the way that you're gonna hear some you know,

894
00:42:58,520 --> 00:43:01,200
Speaker 1: hip hop, R and B trap mus Is it sometimes

895
00:43:01,280 --> 00:43:03,040
Speaker 1: three people are having a barbecue. So you just get

896
00:43:03,120 --> 00:43:11,399
Speaker 1: like add.

897
00:43:07,320 --> 00:43:08,319
Speaker 2: Confidence a nice word.

898
00:43:08,760 --> 00:43:10,520
Speaker 1: I know, I learned it like a little while ago,

899
00:43:10,520 --> 00:43:14,480
Speaker 1: and I like it. So yeah, so which I like

900
00:43:14,600 --> 00:43:16,400
Speaker 1: in some ways, but in some ways, I'm like, I'm

901
00:43:16,440 --> 00:43:18,239
Speaker 1: ready for some peace and quiet. Plus our place is

902
00:43:18,239 --> 00:43:20,359
Speaker 1: too small. It's only a two bedroom and I really

903
00:43:20,440 --> 00:43:23,359
Speaker 1: need office, man, And are.

904
00:43:23,280 --> 00:43:24,879
Speaker 2: You see this is the We could do a whole

905
00:43:24,880 --> 00:43:26,960
Speaker 2: episode on like how couples since I where to live,

906
00:43:27,080 --> 00:43:29,640
Speaker 2: because this is the single most this is this is

907
00:43:29,719 --> 00:43:32,440
Speaker 2: the only thing we've ever not agreed on where we're

908
00:43:32,480 --> 00:43:34,759
Speaker 2: gonna move to. Because he's just like you, he's like,

909
00:43:34,800 --> 00:43:37,120
Speaker 2: I'm sick of the noise. I mean everything you're talking about,

910
00:43:37,120 --> 00:43:39,879
Speaker 2: the community to having people around. That's everything he hates

911
00:43:39,960 --> 00:43:42,960
Speaker 2: right now about where we live because it's like everybody

912
00:43:43,040 --> 00:43:45,920
Speaker 2: is always around and in your business, and they're like

913
00:43:46,080 --> 00:43:51,160
Speaker 2: loud and it's dirty a year, you know what is nasty? Really,

914
00:43:51,640 --> 00:43:55,359
Speaker 2: it's like it's such a it's such a it's it's

915
00:43:55,400 --> 00:43:58,319
Speaker 2: an extreme example of like income inequality in New York City,

916
00:43:58,320 --> 00:44:00,880
Speaker 2: I'll say real quick. So there's basically the one street

917
00:44:00,880 --> 00:44:03,400
Speaker 2: that divides both halfs of inwood Or it's called Broadway.

918
00:44:03,560 --> 00:44:07,439
Speaker 2: It's always Broadway right right, and on the one side

919
00:44:07,480 --> 00:44:09,880
Speaker 2: near the nice parks, it's the it's the wealthier and

920
00:44:09,960 --> 00:44:12,600
Speaker 2: more white side of town. And then we live on

921
00:44:12,640 --> 00:44:15,160
Speaker 2: the other side, which is it's not so it's it's

922
00:44:15,200 --> 00:44:19,680
Speaker 2: bordering the projects and it's it's all majority Latino, lower income,

923
00:44:20,200 --> 00:44:24,080
Speaker 2: different side of stuff and the clubs and like very loud.

924
00:44:24,120 --> 00:44:26,439
Speaker 2: There's there's a clash all the time between the higher

925
00:44:26,520 --> 00:44:29,040
Speaker 2: income side and Broadway and like the lower income side,

926
00:44:29,280 --> 00:44:32,000
Speaker 2: who's trying to preserve their you know, how the neighborhood

927
00:44:32,000 --> 00:44:36,560
Speaker 2: has always been and resisting what it's becoming. It's kind

928
00:44:36,600 --> 00:44:39,160
Speaker 2: of interesting to like live here during this time when

929
00:44:39,360 --> 00:44:42,200
Speaker 2: when those two sides are clashing against each other. But yeah,

930
00:44:42,320 --> 00:44:44,200
Speaker 2: fiance is ready to get the hell on out of here,

931
00:44:44,760 --> 00:44:46,800
Speaker 2: And I don't know if I'm ready to leave the

932
00:44:46,840 --> 00:44:47,239
Speaker 2: city yet.

933
00:44:47,880 --> 00:44:50,800
Speaker 1: I know, And I mean it's so because it's so convenient,

934
00:44:50,880 --> 00:44:53,120
Speaker 1: like honestly, like the train station to New York, the

935
00:44:53,239 --> 00:44:56,320
Speaker 1: fifteen minute train is not even across the street. It

936
00:44:56,440 --> 00:45:00,719
Speaker 1: is a three minute walk like right on right next door,

937
00:45:00,840 --> 00:45:03,200
Speaker 1: So getting to the train is so easy. Plus living

938
00:45:03,239 --> 00:45:06,719
Speaker 1: downtown the airport is like a seven minute drive to

939
00:45:06,760 --> 00:45:11,120
Speaker 1: an international airport. So I don't know that we'd leave Newark.

940
00:45:11,400 --> 00:45:14,640
Speaker 1: I just don't know if I want to live here.

941
00:45:15,000 --> 00:45:18,759
Speaker 1: So it's weird because he, you know, Superman has lived

942
00:45:18,840 --> 00:45:21,360
Speaker 1: like in basically the hood his whole life, so he

943
00:45:22,400 --> 00:45:24,439
Speaker 1: he has never lived in the suburb, So I don't

944
00:45:24,560 --> 00:45:26,759
Speaker 1: know how he's going to react to not having his

945
00:45:26,880 --> 00:45:29,120
Speaker 1: boys so close, you know what I mean. He's used

946
00:45:29,160 --> 00:45:32,239
Speaker 1: to that community feel and I've had both, and I

947
00:45:32,360 --> 00:45:34,680
Speaker 1: do enjoy the community feel, but I'm also like, ugh,

948
00:45:35,440 --> 00:45:38,800
Speaker 1: I need a break. So I'm thinking that the compromise

949
00:45:38,800 --> 00:45:42,000
Speaker 1: will be that we'll live in Newark, but maybe like

950
00:45:42,640 --> 00:45:45,560
Speaker 1: there's really nice, beautiful sections kind of like around so

951
00:45:45,640 --> 00:45:49,200
Speaker 1: it's like not quite near like the busier section. So plus,

952
00:45:49,320 --> 00:45:51,279
Speaker 1: Supergirl goes to a really great school here, and I

953
00:45:51,360 --> 00:45:52,759
Speaker 1: know he wants to keep her in that school. So

954
00:45:53,280 --> 00:45:55,040
Speaker 1: I mean, I'm willing to compromise because I don't mind

955
00:45:55,080 --> 00:45:57,480
Speaker 1: the city. I just want more space and I want

956
00:45:57,560 --> 00:46:01,640
Speaker 1: more green less buildings that makes me happys In Jersey,

957
00:46:02,200 --> 00:46:03,919
Speaker 1: there are oh my god, you have no idea. There's

958
00:46:03,920 --> 00:46:05,920
Speaker 1: a park that's like maybe like a fifteen minute walk

959
00:46:06,000 --> 00:46:07,840
Speaker 1: but not even from where I live. It's like one

960
00:46:07,880 --> 00:46:09,960
Speaker 1: of my favorite places to go, think Branch Poot Park,

961
00:46:10,000 --> 00:46:12,640
Speaker 1: and it is so pretty. There are parks that I've

962
00:46:12,719 --> 00:46:15,920
Speaker 1: discovered that I'm like, where am I like eighteenth century England?

963
00:46:16,000 --> 00:46:19,480
Speaker 1: It looks like the Rambling Bush. It's so beautiful, honestly,

964
00:46:19,960 --> 00:46:22,359
Speaker 1: and so I'm feeling like I would love to live

965
00:46:22,440 --> 00:46:24,439
Speaker 1: that way because the park is right there, but that's

966
00:46:24,520 --> 00:46:26,840
Speaker 1: part of Newark. North Newark good luck or or Bath.

967
00:46:27,920 --> 00:46:28,840
Speaker 1: It is expensive.

968
00:46:30,320 --> 00:46:34,920
Speaker 2: That's another speaking like extreme income very differences, like Newark's

969
00:46:34,920 --> 00:46:35,799
Speaker 2: a prime example too.

970
00:46:36,360 --> 00:46:39,239
Speaker 1: Mm hmm. You've got more million dollar houses and then

971
00:46:39,360 --> 00:46:42,560
Speaker 1: like ten minute drive later, you've got like, you know,

972
00:46:42,640 --> 00:46:43,600
Speaker 1: the project buildings.

973
00:46:46,760 --> 00:46:49,680
Speaker 2: Side note, you need to watch Viceland's new series with

974
00:46:49,920 --> 00:46:52,840
Speaker 2: Michael kay Williams. He played Omar on The Wire. Okay,

975
00:46:52,960 --> 00:46:56,279
Speaker 2: do you ever watch The Wire? No, he's just like,

976
00:46:56,960 --> 00:46:59,920
Speaker 2: he's just a beautiful, beautiful man, Michael kay Williams. Anyway,

977
00:47:00,040 --> 00:47:02,799
Speaker 2: so he was on Boardwalk Empire. He's from. He lived

978
00:47:02,840 --> 00:47:04,560
Speaker 2: in Newark a lot while he was coming up and

979
00:47:04,640 --> 00:47:06,760
Speaker 2: while he was becoming famous with The Wire and everything,

980
00:47:07,560 --> 00:47:09,800
Speaker 2: and anyway, so he hosts a new show called The

981
00:47:09,840 --> 00:47:11,880
Speaker 2: Black Market on Viceland, and I was just watching it

982
00:47:11,960 --> 00:47:14,160
Speaker 2: last night. In the first episode that I saw, anyway,

983
00:47:14,640 --> 00:47:19,399
Speaker 2: was in Newark looking at the carjacking phenomenon and how

984
00:47:19,480 --> 00:47:22,480
Speaker 2: dangerous it's become. And it's because you have all this

985
00:47:22,600 --> 00:47:26,480
Speaker 2: temptation being near the really expensive part of town aligned

986
00:47:26,520 --> 00:47:27,880
Speaker 2: with the really poor part of town, and then the

987
00:47:27,960 --> 00:47:30,200
Speaker 2: you know, the kids there who don't have any you know,

988
00:47:30,640 --> 00:47:33,920
Speaker 2: any resources or any jobs or whatever, or just doing

989
00:47:33,960 --> 00:47:36,200
Speaker 2: really dangerous things and going and boosting these cars, not

990
00:47:36,280 --> 00:47:40,960
Speaker 2: just boosting but like carjacking with guns. I digress, But

991
00:47:41,280 --> 00:47:43,080
Speaker 2: do you think you'd like it it's about Newark?

992
00:47:43,680 --> 00:47:45,680
Speaker 1: No, No, I would, And I'm just like, wow, I didn't.

993
00:47:45,680 --> 00:47:47,240
Speaker 1: I hadn't heard it. I mean, like I've definitely obviously

994
00:47:47,280 --> 00:47:49,320
Speaker 1: you hear the violence stuff. Just the other day, like

995
00:47:49,719 --> 00:47:52,040
Speaker 1: not even the other day. Yesterday at eleven am, a

996
00:47:52,160 --> 00:47:56,120
Speaker 1: dude stabbed his wife like in our complex, well like

997
00:47:56,160 --> 00:47:58,759
Speaker 1: because our complex is really biggest, three hundred like townhouses.

998
00:47:59,200 --> 00:48:01,719
Speaker 1: But I was like, Superman, it's time to go because

999
00:48:01,719 --> 00:48:05,040
Speaker 1: I'm like, what in the hell. And yeah, so just

1000
00:48:05,200 --> 00:48:08,279
Speaker 1: knowing that these like like carjackings, all those all this stuff,

1001
00:48:08,320 --> 00:48:11,520
Speaker 1: and of course nowhere you go is exempt, but in

1002
00:48:11,600 --> 00:48:14,480
Speaker 1: every place you go has issues and problems. But there's

1003
00:48:14,520 --> 00:48:16,600
Speaker 1: just certain issues that you're you're wanting to trade out

1004
00:48:16,640 --> 00:48:17,320
Speaker 1: for others, you know.

1005
00:48:17,719 --> 00:48:21,000
Speaker 2: Yeah, if I could bring it back weight forgot to answer. Well,

1006
00:48:21,000 --> 00:48:22,640
Speaker 2: one of the questions she also had with this, how

1007
00:48:22,680 --> 00:48:24,880
Speaker 2: do we start talking about all this with mortgage questions?

1008
00:48:26,760 --> 00:48:29,840
Speaker 2: Sorry girl, sorry Nina girl. Well, this one question is

1009
00:48:30,160 --> 00:48:32,120
Speaker 2: should she refinance? If so, should she go to a

1010
00:48:32,160 --> 00:48:35,080
Speaker 2: bank or a credit union? You definitely want to shop

1011
00:48:35,160 --> 00:48:38,520
Speaker 2: around for the best rate first, and credit unions can

1012
00:48:38,600 --> 00:48:40,319
Speaker 2: be very kind with their rates. They're able to give

1013
00:48:40,360 --> 00:48:42,680
Speaker 2: lower rates because they don't spend a lot on marketing

1014
00:48:42,719 --> 00:48:45,960
Speaker 2: and all that kind of crap and fees. So my my,

1015
00:48:46,360 --> 00:48:49,880
Speaker 2: my inclination is to start with a credit union or

1016
00:48:49,880 --> 00:48:50,759
Speaker 2: a local bank first.

1017
00:48:53,239 --> 00:48:55,440
Speaker 1: But Chapara, you just never know because you know, it's

1018
00:48:55,520 --> 00:48:59,080
Speaker 1: like going to different places to buy clothes. Yes, you

1019
00:48:59,160 --> 00:49:03,200
Speaker 1: know that traditiontion only Macy's is more expensive than Old Navy,

1020
00:49:03,239 --> 00:49:05,040
Speaker 1: but Macy's might be having a huge sale that day,

1021
00:49:05,320 --> 00:49:08,440
Speaker 1: you know, So just shopping around and making sure that

1022
00:49:08,520 --> 00:49:11,000
Speaker 1: you get the best free and asking that question. Like

1023
00:49:11,080 --> 00:49:12,839
Speaker 1: when I bought my home, I was like twenty five,

1024
00:49:13,320 --> 00:49:16,200
Speaker 1: but one of the things I asked was, when it's

1025
00:49:16,280 --> 00:49:18,920
Speaker 1: all said and done, what is my bill going to

1026
00:49:18,920 --> 00:49:20,319
Speaker 1: look like? Because they would give you all these random

1027
00:49:20,400 --> 00:49:23,520
Speaker 1: numbers and net okay, so what is my monthly bill

1028
00:49:23,560 --> 00:49:26,000
Speaker 1: going to I need that number because you can give

1029
00:49:26,040 --> 00:49:27,520
Speaker 1: me a super low rap, but there are all these

1030
00:49:27,560 --> 00:49:29,520
Speaker 1: other fees and P and I and blah blah blah.

1031
00:49:30,120 --> 00:49:32,399
Speaker 1: So I was able to make a decision based upon

1032
00:49:32,560 --> 00:49:34,080
Speaker 1: what my actual bill was going to look like, and

1033
00:49:34,120 --> 00:49:35,440
Speaker 1: when I got it That's exactly.

1034
00:49:35,160 --> 00:49:37,719
Speaker 2: What it was. Is that so danger to when you

1035
00:49:37,880 --> 00:49:40,719
Speaker 2: are refinancing that they're gonna, like you want to lower

1036
00:49:40,760 --> 00:49:42,440
Speaker 2: your monthly payment, so they might put you in a

1037
00:49:42,520 --> 00:49:45,640
Speaker 2: longer term loan, But won't that like couldn't that eventually

1038
00:49:45,719 --> 00:49:47,919
Speaker 2: make you spend more in interest over the long term,

1039
00:49:48,000 --> 00:49:51,120
Speaker 2: because like your payment might look smaller, their monthly payment

1040
00:49:51,160 --> 00:49:53,799
Speaker 2: might look smaller, But if you're stretching out how long

1041
00:49:53,840 --> 00:49:56,960
Speaker 2: you're making those payments, you could end up spending more

1042
00:49:57,160 --> 00:49:59,080
Speaker 2: just the same like in the same way. So there's

1043
00:49:59,080 --> 00:50:00,520
Speaker 2: a lot of different for.

1044
00:50:00,719 --> 00:50:02,640
Speaker 1: Numbers to ask for it. You're right, no, for sure,

1045
00:50:02,840 --> 00:50:04,960
Speaker 1: asking like, okay, what's my monthly payment going to be?

1046
00:50:05,040 --> 00:50:06,319
Speaker 1: And in the end, what am I going to end

1047
00:50:06,400 --> 00:50:08,920
Speaker 1: up spending and paying for this house? So just getting

1048
00:50:08,960 --> 00:50:11,880
Speaker 1: all of your numbers, like and just making sure that

1049
00:50:12,000 --> 00:50:14,480
Speaker 1: you're okay with those numbers, because you're right, the longer

1050
00:50:14,520 --> 00:50:17,480
Speaker 1: you pay on something it could raise how much you

1051
00:50:17,560 --> 00:50:20,520
Speaker 1: end up paying for the thing itself. That lower payments

1052
00:50:20,560 --> 00:50:22,640
Speaker 1: don't necessarily equal less money in the long run.

1053
00:50:23,320 --> 00:50:26,160
Speaker 2: Yes, And that was she has a mortgage, So personally

1054
00:50:26,160 --> 00:50:27,800
Speaker 2: she had a mortgage at four point two five percent,

1055
00:50:27,800 --> 00:50:29,440
Speaker 2: which is not bad, but it's not as good as

1056
00:50:29,520 --> 00:50:32,120
Speaker 2: some of the other lower rates. Even shaving a percentage

1057
00:50:32,160 --> 00:50:33,960
Speaker 2: point off your mortgage can make a big difference, or

1058
00:50:34,000 --> 00:50:36,480
Speaker 2: like half a percentage points when you're talking about a

1059
00:50:36,520 --> 00:50:38,440
Speaker 2: thirty year more, it's a lot of money you could save.

1060
00:50:39,480 --> 00:50:41,680
Speaker 2: She did get the mortgage last August. I think you

1061
00:50:41,800 --> 00:50:44,840
Speaker 2: have to wait at least like six months before you

1062
00:50:44,880 --> 00:50:46,960
Speaker 2: can really take to refinance your mortgage. What is like

1063
00:50:47,160 --> 00:50:49,960
Speaker 2: six to eight months at least, So the fact that

1064
00:50:50,000 --> 00:50:52,600
Speaker 2: it's been so soon might be an issue, but it's

1065
00:50:52,640 --> 00:50:54,600
Speaker 2: about actually it's August. Oh my god, it's about to

1066
00:50:54,640 --> 00:50:57,320
Speaker 2: be August. She's sign it for a year. Okay, you

1067
00:50:57,400 --> 00:51:04,200
Speaker 2: probably can. Holy crap, my birthday is coming. Eh, twenty nine.

1068
00:51:04,880 --> 00:51:07,200
Speaker 2: I've already started saying I'm twenty nine because it sounds

1069
00:51:07,280 --> 00:51:08,279
Speaker 2: like a nice age.

1070
00:51:08,400 --> 00:51:11,359
Speaker 1: I like it. I'll get you claiming it before it's

1071
00:51:11,400 --> 00:51:11,600
Speaker 1: hee it.

1072
00:51:12,040 --> 00:51:14,359
Speaker 2: I've been because it's like it's just exhausting to say

1073
00:51:14,360 --> 00:51:15,640
Speaker 2: I'm twenty eight. But in a month, you know, when

1074
00:51:15,680 --> 00:51:17,080
Speaker 2: you go the dentist, I'm like, how old are you?

1075
00:51:17,080 --> 00:51:21,440
Speaker 2: I'm like, ah, twenty nine, own it, live it, leerve it.

1076
00:51:23,120 --> 00:51:25,879
Speaker 1: I'm about to be thirty. It's so weird. Saying thirty seven.

1077
00:51:25,960 --> 00:51:29,319
Speaker 1: I'm like, who's that? Wait? Is that me? Oh my god?

1078
00:51:29,440 --> 00:51:31,120
Speaker 2: I love ages that end in seven. I had the

1079
00:51:31,160 --> 00:51:33,000
Speaker 2: biggest party for my twenty seventh birthday.

1080
00:51:33,840 --> 00:51:36,040
Speaker 1: You such overirdo. She I love ages that end in seven.

1081
00:51:36,239 --> 00:51:39,320
Speaker 2: I do getting married on the seventh and twenty seventeen.

1082
00:51:39,520 --> 00:51:40,800
Speaker 2: I just like the number seven.

1083
00:51:40,960 --> 00:51:43,120
Speaker 1: Because honestly, it's I'm not gonna lie, it's my favorite number.

1084
00:51:43,160 --> 00:51:45,040
Speaker 1: So I'm teasing you, but it's my favorite number.

1085
00:51:45,320 --> 00:51:48,719
Speaker 2: I'm thirty, you know, lucky seven. Thirty seven could be

1086
00:51:48,800 --> 00:51:52,279
Speaker 2: a big birthday. Not sure what could happen. I know,

1087
00:51:52,640 --> 00:51:54,000
Speaker 2: I feel like you should have a party though, and

1088
00:51:54,040 --> 00:51:56,960
Speaker 2: get everyone he loves I know in the room right.

1089
00:51:57,160 --> 00:51:59,120
Speaker 1: Probably going to be like a birthday party. I'm like,

1090
00:51:59,280 --> 00:51:59,920
Speaker 1: just come get it.

1091
00:52:00,040 --> 00:52:01,520
Speaker 2: Get a manicure too, just in case.

1092
00:52:01,840 --> 00:52:03,640
Speaker 1: I do know you already know I am. I'm gonna

1093
00:52:03,640 --> 00:52:06,200
Speaker 1: get a manicure and my faith beat professionally because you

1094
00:52:06,280 --> 00:52:10,440
Speaker 1: have pictures. Gerald's gonna be like really, I mean, it's gonna.

1095
00:52:10,160 --> 00:52:16,160
Speaker 2: Be like really looking like Oprah. Yes, I'm ready, I'm here.

1096
00:52:17,600 --> 00:52:20,799
Speaker 1: And he's like, and you know, here's a teddy Bear,

1097
00:52:21,000 --> 00:52:22,879
Speaker 1: Like that's not That's not what I find out.

1098
00:52:22,800 --> 00:52:25,400
Speaker 2: For Oh, that's the saddest image you and your pageant

1099
00:52:25,880 --> 00:52:31,680
Speaker 2: make doing like during the wave, like the Princess pageant wave,

1100
00:52:32,280 --> 00:52:35,080
Speaker 2: and I'm being given a teddy bear, I know, right, like,

1101
00:52:35,239 --> 00:52:38,879
Speaker 2: oh okay, still having to be graceful about it, because

1102
00:52:38,880 --> 00:52:40,560
Speaker 2: you're a beauty queen exactly.

1103
00:52:40,760 --> 00:52:43,000
Speaker 1: Like No, even all my friends and family are, They're like,

1104
00:52:43,200 --> 00:52:48,480
Speaker 1: so that was kind of a let down. No, but

1105
00:52:48,560 --> 00:52:50,320
Speaker 1: it's all good though, all right. So you want to

1106
00:52:50,400 --> 00:52:53,239
Speaker 1: end any any last win, or you want to end

1107
00:52:53,320 --> 00:52:54,200
Speaker 1: with a book suggestion.

1108
00:52:55,000 --> 00:52:57,239
Speaker 2: I'm gonna end with the win, which is going to

1109
00:52:57,280 --> 00:52:58,759
Speaker 2: be flow us to speech, and it's going to be

1110
00:52:58,800 --> 00:53:01,120
Speaker 2: a reminder that we should all do our civic duty

1111
00:53:01,160 --> 00:53:05,640
Speaker 2: and go watch Michelle Obama's entire speech on a Internet

1112
00:53:05,800 --> 00:53:09,359
Speaker 2: connection near you. You will thank me for it. You're

1113
00:53:09,400 --> 00:53:10,480
Speaker 2: welcome in advance.

1114
00:53:11,320 --> 00:53:15,520
Speaker 1: And I'm going to end with a book suggestion, although

1115
00:53:15,520 --> 00:53:18,000
Speaker 1: I have not read it, but I one of my

1116
00:53:18,080 --> 00:53:22,359
Speaker 1: great friends she's got this black bridle brand, well women

1117
00:53:22,440 --> 00:53:25,160
Speaker 1: of color bridle brand called Wunnaluchi Bridle, and I saw

1118
00:53:25,200 --> 00:53:27,000
Speaker 1: her post it on social media, so I bought it.

1119
00:53:27,560 --> 00:53:32,879
Speaker 1: It's called Contagious Why Things Catch On, and it looks

1120
00:53:32,960 --> 00:53:35,800
Speaker 1: really good. I'm excited to read because I love marketing books.

1121
00:53:36,160 --> 00:53:37,560
Speaker 1: And so if you have a business or you're just

1122
00:53:37,600 --> 00:53:40,520
Speaker 1: trying to you know, you just like reading. I don't

1123
00:53:40,520 --> 00:53:44,320
Speaker 1: know marketing books like I do. Doesn't I know, but

1124
00:53:44,640 --> 00:53:48,680
Speaker 1: I read It's got really great reviews, and so I'm

1125
00:53:48,719 --> 00:53:50,640
Speaker 1: excited to read it. I'll report back. But ye have

1126
00:53:50,840 --> 00:53:54,120
Speaker 1: contagious why things catch on, And we're gonna start like

1127
00:53:54,160 --> 00:53:56,080
Speaker 1: you know, so me and Mandy are gonna start sharing

1128
00:53:56,480 --> 00:53:58,480
Speaker 1: our resources and some of you guys will like tweet

1129
00:53:58,520 --> 00:54:00,680
Speaker 1: us some stuff and ask about them. So we're gonna

1130
00:54:00,719 --> 00:54:03,600
Speaker 1: start giving you guys the links to the resources we

1131
00:54:03,719 --> 00:54:07,200
Speaker 1: mentioned in on our on our website. What's our website again?

1132
00:54:07,280 --> 00:54:08,759
Speaker 1: Broun Ambition podcast dot com?

1133
00:54:09,000 --> 00:54:14,399
Speaker 2: Whoa click? You don't even know us? Did I say

1134
00:54:14,400 --> 00:54:17,000
Speaker 2: it right around Ambition podcast dot com?

1135
00:54:18,480 --> 00:54:19,800
Speaker 1: So if you ever hear something on the show and

1136
00:54:19,840 --> 00:54:21,960
Speaker 1: you're like, wait, what was that, Well, we'll be sharing

1137
00:54:22,000 --> 00:54:23,959
Speaker 1: the links and stuff. We'll have like a little resource section.

1138
00:54:25,320 --> 00:54:29,640
Speaker 2: Yes we will. I agree with that. I'm gonna do that.

1139
00:54:30,040 --> 00:54:32,120
Speaker 2: Yes thing there