WEBVTT - Financial Planning for Big Life Changes

0:00:16.400 --> 0:00:20.159
<v Speaker 1>It's time for the b a qa A, the b

0:00:20.400 --> 0:00:24.120
<v Speaker 1>a qa What to say the b a qa with manday,

0:00:24.280 --> 0:00:29.360
<v Speaker 1>the b a qa the b a qa.

0:00:28.440 --> 0:00:32.640
<v Speaker 2>A, what's up? B a fam? Happy Friday. It is

0:00:32.680 --> 0:00:35.880
<v Speaker 2>that time of the week again. I am looking forward

0:00:35.880 --> 0:00:39.240
<v Speaker 2>to this weekend. My baby boy is turning five years old,

0:00:39.560 --> 0:00:44.000
<v Speaker 2>so we are having a neon glow stick black light.

0:00:44.960 --> 0:00:46.760
<v Speaker 2>What else did he ask for? A party? So it

0:00:46.840 --> 0:00:49.960
<v Speaker 2>is going to be highly overstimulating. And pray for me

0:00:50.040 --> 0:00:52.240
<v Speaker 2>because I had the bright idea to host this party

0:00:52.280 --> 0:00:55.120
<v Speaker 2>at my house. And listen, I'm just grateful. It's going

0:00:55.160 --> 0:00:56.440
<v Speaker 2>to be dark and it's gold in the dark, so

0:00:56.480 --> 0:00:58.080
<v Speaker 2>I can just turn all the lights off. Let the

0:00:58.160 --> 0:01:00.960
<v Speaker 2>kids go nuts. I'm making spikes for the grown up

0:01:01.080 --> 0:01:03.520
<v Speaker 2>so like who cares? Just don't look away from the

0:01:03.520 --> 0:01:06.120
<v Speaker 2>piles of laundry, look away from the closet doors that

0:01:06.160 --> 0:01:08.080
<v Speaker 2>are going to be shut on so much crap that

0:01:08.160 --> 0:01:10.360
<v Speaker 2>is spilling out of them. Lets let's focus on the

0:01:10.440 --> 0:01:14.080
<v Speaker 2>kids having fun. Y'all all right, thank y'all for the

0:01:14.120 --> 0:01:18.280
<v Speaker 2>overwhelming yeah support for the show in the past couple

0:01:18.360 --> 0:01:20.360
<v Speaker 2>of weeks. Not only did y'all fill out the b

0:01:20.520 --> 0:01:24.319
<v Speaker 2>A listener survey and so thoughtfully gave y'all's feedback for

0:01:24.400 --> 0:01:27.440
<v Speaker 2>what you want to see next for brad Ambition and

0:01:27.600 --> 0:01:29.800
<v Speaker 2>twenty twenty five. Like I just, from the bottom of

0:01:29.800 --> 0:01:33.600
<v Speaker 2>my heart, thank you so much, BAFAM. I just y'all

0:01:33.640 --> 0:01:35.400
<v Speaker 2>are the freaking best. I don't know, I mean, I

0:01:35.440 --> 0:01:37.040
<v Speaker 2>do know. I was gonna say, I don't know how

0:01:37.080 --> 0:01:39.800
<v Speaker 2>we got how we got so so lucky with the

0:01:39.800 --> 0:01:43.160
<v Speaker 2>BA fam and the BA listenership, but I know wise

0:01:43.200 --> 0:01:45.600
<v Speaker 2>because y'all have been rocking with us for years. I

0:01:45.640 --> 0:01:47.600
<v Speaker 2>know some of y'all have maybe just discovered the show,

0:01:47.600 --> 0:01:50.480
<v Speaker 2>but we have been around for almost a decade and

0:01:50.640 --> 0:01:53.520
<v Speaker 2>we have never lost sight of y'all and why we

0:01:53.560 --> 0:01:56.400
<v Speaker 2>are doing this show. And I think that feeling y'all

0:01:56.440 --> 0:01:58.480
<v Speaker 2>can feel that love that we have for you BA Fam,

0:01:58.520 --> 0:02:02.400
<v Speaker 2>you know we're doing this for you, and that y'all

0:02:02.560 --> 0:02:05.400
<v Speaker 2>send that love back to me is just incredible. So

0:02:05.560 --> 0:02:09.240
<v Speaker 2>thank you so much. Now we're heading into a Thanksgiving

0:02:09.320 --> 0:02:11.680
<v Speaker 2>week and I know you're going to be inundated with

0:02:12.040 --> 0:02:15.959
<v Speaker 2>promos for Cyber Monday and Black Friday and holiday sales

0:02:16.000 --> 0:02:18.680
<v Speaker 2>and all of that. But before you get that big

0:02:18.720 --> 0:02:22.200
<v Speaker 2>pile of marketing emails, I want to offer a really

0:02:22.240 --> 0:02:26.400
<v Speaker 2>cool opportunity to you. I've never done this before. I'm

0:02:26.440 --> 0:02:28.519
<v Speaker 2>a little nervous about it. I haven't even told my

0:02:28.600 --> 0:02:30.960
<v Speaker 2>business coach because she might be like, Mandy, what you doing?

0:02:31.200 --> 0:02:33.080
<v Speaker 2>Why are you making it so? Why are you doing that?

0:02:33.480 --> 0:02:35.280
<v Speaker 2>Why are you doing that? I'm doing it because I

0:02:35.320 --> 0:02:37.680
<v Speaker 2>want to. I'm doing it because I listen to y'all

0:02:37.720 --> 0:02:40.959
<v Speaker 2>and I see even from the survey, from y'all's comments

0:02:41.400 --> 0:02:43.560
<v Speaker 2>to the questions we get in our DMS, I see

0:02:43.600 --> 0:02:46.519
<v Speaker 2>that this has been a tough year, whether it's financially

0:02:46.720 --> 0:02:50.040
<v Speaker 2>or career wise. You may be feeling like your dollars

0:02:50.040 --> 0:02:52.000
<v Speaker 2>are not being stretched or not stretching as far as

0:02:52.040 --> 0:02:54.639
<v Speaker 2>they used to, That you're not getting the big raises

0:02:54.680 --> 0:02:56.760
<v Speaker 2>and promotions like we were seeing in twenty twenty one

0:02:56.840 --> 0:02:59.919
<v Speaker 2>twenty twenty two, that you're not feeling as confident getting

0:02:59.919 --> 0:03:02.600
<v Speaker 2>yourself out there in the job market, or even if

0:03:02.600 --> 0:03:05.640
<v Speaker 2>you are in the job market, that recruiters are ghosting you,

0:03:05.919 --> 0:03:08.000
<v Speaker 2>that you're doing a lot of interviewing but you're not

0:03:08.000 --> 0:03:11.440
<v Speaker 2>getting any job offers. It's a tough season out there, right,

0:03:11.760 --> 0:03:15.239
<v Speaker 2>So I'm actually offering a flash sale, a one day

0:03:15.240 --> 0:03:17.760
<v Speaker 2>only twenty four hour sale on the Mandy money Maker's

0:03:17.840 --> 0:03:21.720
<v Speaker 2>Course and Academy. So this is my I wasn't gonna say,

0:03:21.760 --> 0:03:25.960
<v Speaker 2>magnus opus. It is my baby. It is the course

0:03:26.280 --> 0:03:30.960
<v Speaker 2>that I created and have been adding to and improving

0:03:31.400 --> 0:03:34.679
<v Speaker 2>and iterating on for three years now. It is the

0:03:34.720 --> 0:03:40.120
<v Speaker 2>most comprehensive career strategy offering for women of color that

0:03:40.360 --> 0:03:43.440
<v Speaker 2>I have seen. I created the solution that is going

0:03:43.480 --> 0:03:46.200
<v Speaker 2>to help you feel more confident about your career goals.

0:03:46.640 --> 0:03:48.760
<v Speaker 2>That is going to give you the winning strategies that

0:03:48.800 --> 0:03:52.800
<v Speaker 2>I myself used to tenx my income from thirty thousand

0:03:52.840 --> 0:03:56.040
<v Speaker 2>to over three hundred thousand dollars a year across a

0:03:56.120 --> 0:03:59.880
<v Speaker 2>decade of my own career. It is going to make

0:03:59.880 --> 0:04:02.720
<v Speaker 2>you feel less alone if you are someone who's wanting

0:04:02.760 --> 0:04:05.640
<v Speaker 2>to pivot but still feeling stuck. It is going to

0:04:05.640 --> 0:04:09.280
<v Speaker 2>give you strategies to negotiate to bounce back from challenging

0:04:09.360 --> 0:04:12.200
<v Speaker 2>times like the ones that we're in right now. When

0:04:12.240 --> 0:04:14.320
<v Speaker 2>it comes to your career. It's going to make it

0:04:14.560 --> 0:04:17.560
<v Speaker 2>give you the confidence so that you can actually, I

0:04:17.600 --> 0:04:20.840
<v Speaker 2>don't know, post on LinkedIn get seen and noticed by

0:04:20.960 --> 0:04:23.839
<v Speaker 2>not just recruiters, but the right recruiters, the ones who

0:04:23.920 --> 0:04:27.760
<v Speaker 2>really have job opportunities and are looking for someone special

0:04:28.080 --> 0:04:30.719
<v Speaker 2>who's going to separate themselves from the pack. I will

0:04:30.760 --> 0:04:35.400
<v Speaker 2>teach you. I've got templates for LinkedIn, I've got interview tips.

0:04:35.760 --> 0:04:37.839
<v Speaker 2>I have got not just that, but I've got a

0:04:37.880 --> 0:04:42.480
<v Speaker 2>holistic approach to solving some of the biggest challenges in

0:04:42.520 --> 0:04:44.960
<v Speaker 2>your career. What do I do if I feel stuck?

0:04:45.400 --> 0:04:48.080
<v Speaker 2>How do I actually get recruiters to respond to my emails?

0:04:48.400 --> 0:04:50.919
<v Speaker 2>How do I get noticed by recruiters? How do I

0:04:50.960 --> 0:04:52.800
<v Speaker 2>be seen? How am I going to be seen as

0:04:52.839 --> 0:04:55.960
<v Speaker 2>a thought leader in my space? How do I send

0:04:57.040 --> 0:05:00.520
<v Speaker 2>emails dms to people that I'm interested in can with

0:05:00.520 --> 0:05:04.000
<v Speaker 2>without giving them the ick and without feeling super desperate

0:05:04.080 --> 0:05:07.560
<v Speaker 2>on my part? How do I build confidence as a negotiator?

0:05:07.760 --> 0:05:09.919
<v Speaker 2>And when I actually earn more money, because that's what

0:05:09.960 --> 0:05:12.000
<v Speaker 2>I'm here to help you do, how do I invest

0:05:12.000 --> 0:05:15.600
<v Speaker 2>that money and use that money to grow my wealth? Right?

0:05:15.680 --> 0:05:18.680
<v Speaker 2>How do I turn my career into a wealth building engine?

0:05:19.120 --> 0:05:21.440
<v Speaker 2>That is what the Mandy money Makers is all about.

0:05:21.720 --> 0:05:23.880
<v Speaker 2>And for the first time only, like I said, I

0:05:23.960 --> 0:05:28.440
<v Speaker 2>am offering the full course to you for fifty five zero.

0:05:28.480 --> 0:05:30.560
<v Speaker 2>I really hope my business coach is not listening, just

0:05:30.600 --> 0:05:33.919
<v Speaker 2>don't listen. Fifty percent off fifty percent off, Okay, and

0:05:33.960 --> 0:05:36.960
<v Speaker 2>today is the day, so at the at midnight tonight,

0:05:38.080 --> 0:05:41.039
<v Speaker 2>this deal will expire. But I want to give you

0:05:41.040 --> 0:05:43.560
<v Speaker 2>guys a chance to take a bet on yourself, to

0:05:43.720 --> 0:05:48.080
<v Speaker 2>invest in yourself. Now, this course is probably what a

0:05:48.120 --> 0:05:51.840
<v Speaker 2>dozen or more hours of content. I've got five thousand

0:05:51.839 --> 0:05:54.520
<v Speaker 2>dollars worth of bonuses, and I keep just adding to

0:05:54.560 --> 0:05:57.440
<v Speaker 2>the bonuses because why the hell not. I look at

0:05:57.480 --> 0:06:00.960
<v Speaker 2>the Mandy money Maker's Course as a It's the kind

0:06:00.960 --> 0:06:05.280
<v Speaker 2>of investment that is going to appreciate in value over time.

0:06:05.360 --> 0:06:08.880
<v Speaker 2>There are modules, there are bonuses that I add as

0:06:08.920 --> 0:06:12.000
<v Speaker 2>I learn, as I gain insights from the community, I'm

0:06:12.080 --> 0:06:14.960
<v Speaker 2>constantly making it better. So I've added a bonus on

0:06:15.000 --> 0:06:17.359
<v Speaker 2>how to start your own consulting business. I've added a

0:06:17.400 --> 0:06:20.159
<v Speaker 2>bonus on how to start your own podcast, because why

0:06:20.200 --> 0:06:23.920
<v Speaker 2>not it's an additional income stream potentially, right. I've added

0:06:23.960 --> 0:06:27.280
<v Speaker 2>a module on how to get quoted in media if

0:06:27.320 --> 0:06:28.920
<v Speaker 2>you're someone who doesn't want to just be a thought

0:06:28.960 --> 0:06:32.080
<v Speaker 2>leader but actually get you know, put in media mentions

0:06:32.080 --> 0:06:35.039
<v Speaker 2>and things like that. I have added a module, an

0:06:35.040 --> 0:06:38.320
<v Speaker 2>additional module on career pivoting so how to do an

0:06:38.440 --> 0:06:41.480
<v Speaker 2>actual hard pivot in your career. And I go through

0:06:41.520 --> 0:06:44.400
<v Speaker 2>four or five different styles of pivoting that you can do,

0:06:44.720 --> 0:06:48.640
<v Speaker 2>and I will continue adding on. So fifty percent off

0:06:48.839 --> 0:06:52.279
<v Speaker 2>the entire course in academy is now available. Go to

0:06:52.360 --> 0:06:56.799
<v Speaker 2>Mandy money dot com slash academy to get this limited

0:06:56.800 --> 0:06:59.800
<v Speaker 2>time deal. It is ending at midnight. Your turn is

0:06:59.839 --> 0:07:05.440
<v Speaker 2>turning into a pumpkin at midnight tonight, So please don't walk, run,

0:07:05.920 --> 0:07:08.039
<v Speaker 2>oh and shoot. I just forgot one additional thing. I

0:07:08.080 --> 0:07:10.440
<v Speaker 2>really hope my business coach is not listening to this.

0:07:11.120 --> 0:07:14.680
<v Speaker 2>But another first for me is I am introducing a

0:07:14.720 --> 0:07:18.280
<v Speaker 2>referral if you and a referral bonus. If you and

0:07:18.320 --> 0:07:21.080
<v Speaker 2>a friend both enroll the Mandy money Makers and you

0:07:21.120 --> 0:07:23.240
<v Speaker 2>tell me who you are, you're each going to qualify

0:07:23.280 --> 0:07:27.920
<v Speaker 2>for a one hour free coaching session with me. A

0:07:28.040 --> 0:07:32.560
<v Speaker 2>one hour free coaching session with me. Okay, And if

0:07:32.560 --> 0:07:35.320
<v Speaker 2>there's one thing that we talk about on Brown Ambition,

0:07:35.400 --> 0:07:39.080
<v Speaker 2>it is the value of time. I typically charge upwards

0:07:39.080 --> 0:07:41.560
<v Speaker 2>of three hundred and fifty dollars per hour for a

0:07:41.600 --> 0:07:44.120
<v Speaker 2>one on one session with me. I'm giving you each

0:07:44.200 --> 0:07:46.679
<v Speaker 2>one for free. So you're going to get fifty percent

0:07:46.760 --> 0:07:49.600
<v Speaker 2>off the course, which you have access to for a lifetime,

0:07:49.720 --> 0:07:51.800
<v Speaker 2>and in your back pocket. You're going to have a

0:07:51.840 --> 0:07:54.400
<v Speaker 2>one on one session with me, your favorite career coach

0:07:54.440 --> 0:07:57.800
<v Speaker 2>and Brown Ambition podcast hosts, Mandy Wood of Santo's at

0:07:57.880 --> 0:08:01.400
<v Speaker 2>your beck and Call. Okay, so please enroll. Go to

0:08:01.440 --> 0:08:05.240
<v Speaker 2>Mandy money dot com slash Academy twenty four hours only.

0:08:05.840 --> 0:08:08.960
<v Speaker 2>Good luck. I hope you take advantage of this. It

0:08:09.000 --> 0:08:11.360
<v Speaker 2>ain't gonna happen again. Wait till my business coach comes

0:08:11.400 --> 0:08:15.760
<v Speaker 2>and grabs me up and tells me Mandy, But I

0:08:15.760 --> 0:08:18.400
<v Speaker 2>don't care. I don't care. I'm doing it for y'all. Okay.

0:08:18.760 --> 0:08:21.000
<v Speaker 2>At the end of the day, sometimes you make decisions

0:08:21.040 --> 0:08:23.480
<v Speaker 2>that are that are just best for your community. And

0:08:23.520 --> 0:08:25.640
<v Speaker 2>that's what I want to do. Okay, That's why I'm

0:08:25.640 --> 0:08:28.160
<v Speaker 2>my own boss. I can't wait to see y'all in

0:08:28.200 --> 0:08:34.040
<v Speaker 2>the academy. Okab a fam Now, just as a reminder,

0:08:34.120 --> 0:08:37.120
<v Speaker 2>I am not your financial advisor. I am not your

0:08:37.360 --> 0:08:41.240
<v Speaker 2>personal investment advisor. I am not your lawyer, or your doctor,

0:08:41.960 --> 0:08:46.640
<v Speaker 2>or your obgyn or your landscaper. I'm nothing. Okay. I'm

0:08:46.640 --> 0:08:49.400
<v Speaker 2>a lady on the internet who has got some insights

0:08:49.440 --> 0:08:53.040
<v Speaker 2>and some ideas, and I'm here to let y'all in

0:08:53.240 --> 0:08:55.680
<v Speaker 2>on how I think about problems and some solutions I

0:08:55.720 --> 0:08:57.559
<v Speaker 2>may have. But please, Dear Lord, do not sue me,

0:08:58.520 --> 0:09:01.160
<v Speaker 2>and we all jump on into your question now. While

0:09:01.160 --> 0:09:03.480
<v Speaker 2>I'm looking up these questions, I do want to note

0:09:03.480 --> 0:09:07.480
<v Speaker 2>that Spotify, y'all have been leaving comments on Spotify. Why

0:09:07.520 --> 0:09:10.840
<v Speaker 2>don't no one tell me this? It's incredible? So you

0:09:10.880 --> 0:09:13.840
<v Speaker 2>know how we've been reading reviews from listeners on the air.

0:09:13.960 --> 0:09:16.240
<v Speaker 2>I'm going to start going into Spotify and reading our

0:09:16.240 --> 0:09:19.880
<v Speaker 2>comments because y'all have been so generous with your feedback

0:09:20.760 --> 0:09:23.080
<v Speaker 2>and I just appreciate it, and I want y'all to

0:09:23.120 --> 0:09:26.760
<v Speaker 2>know that we see them, we read them, I love them.

0:09:27.600 --> 0:09:30.480
<v Speaker 2>I will respond when I see them. Yes, it's really

0:09:30.520 --> 0:09:34.439
<v Speaker 2>me responding. I try to sign the I try to

0:09:34.480 --> 0:09:37.360
<v Speaker 2>sign my replies Mandy so that you know it's me.

0:09:37.559 --> 0:09:42.680
<v Speaker 2>But honestly, it's probably me. It's probably me who's responding.

0:09:42.679 --> 0:09:46.200
<v Speaker 2>So let me jump into Spotify comments right now and

0:09:46.320 --> 0:09:48.480
<v Speaker 2>see who we can give a shout out to, because

0:09:48.559 --> 0:09:56.160
<v Speaker 2>y'all are just amazing. Where do you know that on

0:09:56.920 --> 0:09:59.559
<v Speaker 2>tokay two listeners to the Matthew Knowles interview that just

0:09:59.600 --> 0:10:03.600
<v Speaker 2>aired this week. Okay, this is a long number. This

0:10:04.000 --> 0:10:08.280
<v Speaker 2>commenter says, wait the Matthew Knowles. Okay, Mandy, we see you.

0:10:08.520 --> 0:10:10.920
<v Speaker 2>Y'all know this means we're only six degrees of separation

0:10:10.960 --> 0:10:15.880
<v Speaker 2>from Queen Bee. Go Mandy, thank you. And then listener

0:10:15.920 --> 0:10:19.199
<v Speaker 2>Diana says, what, okay, Mandy flex on flex on us.

0:10:19.200 --> 0:10:21.680
<v Speaker 2>Then this is your world. We're just living in it. Oh,

0:10:21.760 --> 0:10:24.840
<v Speaker 2>y'all are so funny. Did y'all like the Matthew Knowles interview?

0:10:24.920 --> 0:10:29.160
<v Speaker 2>That was so fun and shout out to Yeah, shout

0:10:29.160 --> 0:10:31.959
<v Speaker 2>out to his team for letting him come on the show.

0:10:32.080 --> 0:10:33.599
<v Speaker 2>And he was just so sweet to talk to you.

0:10:33.640 --> 0:10:35.120
<v Speaker 2>I kind of felt like I was talking to my dad,

0:10:35.480 --> 0:10:39.000
<v Speaker 2>you know, just also knowing that he's like a gajillionaire

0:10:39.040 --> 0:10:42.520
<v Speaker 2>who co wrote some of my favorite songs from one

0:10:42.520 --> 0:10:45.080
<v Speaker 2>of my favorite bands of all time. No, no big deal,

0:10:45.880 --> 0:10:49.400
<v Speaker 2>all right. Listener Gift Yeah twenty four. Oh okay, this

0:10:49.520 --> 0:10:53.280
<v Speaker 2>is on the episode earning four hundred thousand dollars and

0:10:53.320 --> 0:10:55.600
<v Speaker 2>still drowning in debt. This is the baqa from I

0:10:55.600 --> 0:10:59.200
<v Speaker 2>think two fridays ago. Gift Yeah twenty four says, I

0:10:59.200 --> 0:11:03.000
<v Speaker 2>love the vulnerabil and authenticity that Mandy shared in this episode,

0:11:03.400 --> 0:11:05.680
<v Speaker 2>thank you y'all have to go back and listen to

0:11:05.679 --> 0:11:08.080
<v Speaker 2>that episode because I did. I told a tail. I

0:11:08.120 --> 0:11:12.720
<v Speaker 2>told a tale about my target addiction. Go back and listen.

0:11:14.040 --> 0:11:16.880
<v Speaker 2>This is listener two one seven, says Mandy. This. This

0:11:16.920 --> 0:11:19.000
<v Speaker 2>is what the ba fan has always loved about you

0:11:19.040 --> 0:11:22.400
<v Speaker 2>and Tiffany, the authenticity that y'all bring. You weren't only

0:11:22.440 --> 0:11:25.400
<v Speaker 2>talking to missus X, you were talking with all of us.

0:11:25.760 --> 0:11:29.320
<v Speaker 2>I've been overspending also, and I don't make anywhere anywhere

0:11:29.360 --> 0:11:32.080
<v Speaker 2>near what you you or missus X make, but I

0:11:32.200 --> 0:11:35.680
<v Speaker 2>felt seen and there was zero judgment. Thank you. That

0:11:35.880 --> 0:11:39.760
<v Speaker 2>is uh, that is so kind. Thank y'all so much. Okay,

0:11:39.760 --> 0:11:42.960
<v Speaker 2>I'm gonna read one more and then we'll get into questions.

0:11:43.040 --> 0:11:46.720
<v Speaker 2>This is from listener Taylor. Taylor responded to the episode

0:11:46.760 --> 0:11:50.160
<v Speaker 2>the Smartest Ways to invest in Your Future. She said,

0:11:50.160 --> 0:11:53.000
<v Speaker 2>I love the BAQA. I've been listening for the last

0:11:53.000 --> 0:11:55.559
<v Speaker 2>half of the year and learning a lot. I changed

0:11:55.640 --> 0:11:57.880
<v Speaker 2>jobs two years ago and I totally forgot about my

0:11:57.920 --> 0:12:01.800
<v Speaker 2>four one K. My current job does profit sharing. I

0:12:01.840 --> 0:12:04.640
<v Speaker 2>need to look into where that money went. Forever learning

0:12:04.640 --> 0:12:07.800
<v Speaker 2>from these amazing ladies. I love that. Taylor Honestly, some

0:12:07.840 --> 0:12:10.000
<v Speaker 2>of us we just need a reminder. You know, there's

0:12:10.000 --> 0:12:12.000
<v Speaker 2>so much going on throughout the day, so many other

0:12:12.040 --> 0:12:15.600
<v Speaker 2>important tasks you gotta do that sometimes that old dusty

0:12:15.840 --> 0:12:19.160
<v Speaker 2>retirement account or investment account or whatever, you just kind

0:12:19.160 --> 0:12:21.120
<v Speaker 2>of forget about it. So I'm so glad that this

0:12:21.160 --> 0:12:24.840
<v Speaker 2>show has been helping y'all. Spotify comments it's a thing.

0:12:25.040 --> 0:12:27.120
<v Speaker 2>And what I love about Spotify comments is that I

0:12:27.120 --> 0:12:30.920
<v Speaker 2>can actually see which episode you are responding to, whereas

0:12:30.920 --> 0:12:33.120
<v Speaker 2>on iTunes we can see the comments, but unless you

0:12:33.160 --> 0:12:35.320
<v Speaker 2>tell me which show it was, I don't exactly know

0:12:35.760 --> 0:12:40.040
<v Speaker 2>always which episode really resonated with y'all. So shout out

0:12:40.040 --> 0:12:44.360
<v Speaker 2>to Spotify. All right, now, let's get into this week's question.

0:12:44.720 --> 0:12:48.600
<v Speaker 2>This week's money question comes from igh listener Ta Coola.

0:12:48.840 --> 0:12:52.160
<v Speaker 2>Tacola says, Hello, ladies, I need some help getting started

0:12:52.160 --> 0:12:55.520
<v Speaker 2>with trading. I listened to your podcast regularly, especially when

0:12:55.520 --> 0:12:58.240
<v Speaker 2>you feature guests who trade in stocks. I guess I'm

0:12:58.240 --> 0:13:00.720
<v Speaker 2>a little hesitant and unsure of my and I would

0:13:00.760 --> 0:13:04.560
<v Speaker 2>love some of your personal advice on where to begin. Okay,

0:13:04.559 --> 0:13:06.480
<v Speaker 2>to Cola, you know, we got a really great response

0:13:06.520 --> 0:13:09.080
<v Speaker 2>because we did a replay a Haloback episode of an

0:13:09.120 --> 0:13:12.040
<v Speaker 2>interview that we did with Terry Egioma of Trade to

0:13:12.160 --> 0:13:15.880
<v Speaker 2>Travel or Trade and Travel. Terry is incredible. Go back

0:13:15.880 --> 0:13:17.800
<v Speaker 2>and find that episode. I think it was a Holiback

0:13:17.840 --> 0:13:21.520
<v Speaker 2>episode a few weeks ago, but you can find her everywhere.

0:13:22.080 --> 0:13:25.840
<v Speaker 2>Terry A. Geoma is an educator and she teaches. She

0:13:25.920 --> 0:13:28.679
<v Speaker 2>probably teaches tens of thousands of people how to trade

0:13:28.720 --> 0:13:31.400
<v Speaker 2>all the time. But the one thing that I thought

0:13:31.480 --> 0:13:35.080
<v Speaker 2>of when you asked about help getting started trading is

0:13:35.480 --> 0:13:38.360
<v Speaker 2>don't trade with real money in the beginning. So what

0:13:38.400 --> 0:13:41.640
<v Speaker 2>it's called is paper trading. And I have a paper

0:13:41.679 --> 0:13:46.280
<v Speaker 2>trading account through my trial Schwab investment account, and there

0:13:46.280 --> 0:13:48.240
<v Speaker 2>are other paper trading So the reason they call it

0:13:48.280 --> 0:13:51.200
<v Speaker 2>paper trading is because it's not real money. It's literally

0:13:51.400 --> 0:13:54.960
<v Speaker 2>like a playground for you to you can actively trade

0:13:55.000 --> 0:13:57.640
<v Speaker 2>and you feel like you're trading, and you get you

0:13:57.679 --> 0:14:01.640
<v Speaker 2>get used to the terminology. You can make mistakes without

0:14:01.800 --> 0:14:05.400
<v Speaker 2>actually risking real money. And I would say do that

0:14:05.440 --> 0:14:07.640
<v Speaker 2>for as long as it takes for you to feel comfortable.

0:14:07.840 --> 0:14:10.200
<v Speaker 2>I've actually been trying to do that for the past year,

0:14:10.320 --> 0:14:12.800
<v Speaker 2>and I kind of had these like spurts where I'm

0:14:12.800 --> 0:14:15.720
<v Speaker 2>doing it and not doing it, and I don't quite

0:14:15.800 --> 0:14:18.800
<v Speaker 2>feel ready to, you know, get to that tarry level

0:14:18.800 --> 0:14:22.760
<v Speaker 2>of investing, but why not try and while you're building

0:14:22.800 --> 0:14:25.280
<v Speaker 2>up your confidence, like use these tools as a way

0:14:25.280 --> 0:14:28.600
<v Speaker 2>to do it. So there are other paper trading platforms

0:14:28.960 --> 0:14:32.880
<v Speaker 2>on brokerages like wee Bowl that's we b u LLL

0:14:33.280 --> 0:14:38.000
<v Speaker 2>their Schwab, like I mentioned, Schwab actually acquired the Thinker

0:14:38.040 --> 0:14:41.760
<v Speaker 2>Swim platforms. So they acquired TDM ror Trade which founded

0:14:41.760 --> 0:14:44.720
<v Speaker 2>the Thinker Swim platform, which is like the OG of

0:14:44.760 --> 0:14:47.600
<v Speaker 2>paper trading. So if you're on Charles Schwab, that's the

0:14:48.480 --> 0:14:54.600
<v Speaker 2>Thinker Swim platform. Interactive Brokers has a paper trading offering.

0:14:54.720 --> 0:14:57.480
<v Speaker 2>E Trade of course has paper trading and this is

0:14:57.520 --> 0:14:59.760
<v Speaker 2>a new one that I haven't heard of or personally

0:14:59.800 --> 0:15:03.320
<v Speaker 2>you trade station new to me, maybe not new to y'all.

0:15:03.480 --> 0:15:06.040
<v Speaker 2>But those are five options if you want to get

0:15:06.040 --> 0:15:09.440
<v Speaker 2>into paper trading, and I think it's such a great opportunity.

0:15:09.520 --> 0:15:12.320
<v Speaker 2>Even if everything looks like Greek to you, I mean,

0:15:12.520 --> 0:15:15.200
<v Speaker 2>why do we hate on the Greeks whatever? Greek is

0:15:15.240 --> 0:15:18.360
<v Speaker 2>a beautiful language. Okay, if everything seems hard to understand

0:15:18.440 --> 0:15:20.480
<v Speaker 2>or it's a lot of jargon, at least you can

0:15:20.480 --> 0:15:22.960
<v Speaker 2>give yourself time. You can take your time, you can

0:15:23.040 --> 0:15:27.000
<v Speaker 2>google stuff, you can look up explainers and hey, like

0:15:27.160 --> 0:15:29.240
<v Speaker 2>ask me questions along the way. Maybe we can have

0:15:29.320 --> 0:15:31.720
<v Speaker 2>Terry come back on the show. But I love this

0:15:31.840 --> 0:15:33.840
<v Speaker 2>because it is a I mean, it's not even I

0:15:33.840 --> 0:15:36.960
<v Speaker 2>wouldn't even say low stakes. It's a zero stakes way

0:15:37.000 --> 0:15:40.960
<v Speaker 2>to start training yourself and how to trade and how

0:15:41.000 --> 0:15:48.440
<v Speaker 2>to make money literally appear from nowhere. It's magical. But yeah,

0:15:48.560 --> 0:15:51.880
<v Speaker 2>I am not again your investment advisor, and you got

0:15:51.880 --> 0:15:54.720
<v Speaker 2>to do what's best for you. But paper trading, I mean,

0:15:55.200 --> 0:15:57.600
<v Speaker 2>it's kind of a no brainer, right if it comes

0:15:57.600 --> 0:16:01.240
<v Speaker 2>to increasing your knowledge, getting yourself to practice, and getting

0:16:01.240 --> 0:16:04.280
<v Speaker 2>over that hump of like making it a little less scary,

0:16:04.640 --> 0:16:07.160
<v Speaker 2>just like actually getting in there and seeing how it

0:16:07.200 --> 0:16:10.640
<v Speaker 2>all works. Okay, Tacola, thank you for your question. I'm

0:16:10.680 --> 0:16:12.960
<v Speaker 2>going to be right back with question number two. Ba

0:16:13.000 --> 0:16:19.280
<v Speaker 2>Faan stay tuned, all right, ba fam, I am back

0:16:19.320 --> 0:16:22.880
<v Speaker 2>with a question from our email inbox Broad Ambition podcast

0:16:22.920 --> 0:16:24.800
<v Speaker 2>at gmail dot com. If y'all want to submit a

0:16:24.840 --> 0:16:27.080
<v Speaker 2>question to the show. By the way, when you submit

0:16:27.120 --> 0:16:29.600
<v Speaker 2>a question, make sure you put BAQA in the subject

0:16:29.600 --> 0:16:33.520
<v Speaker 2>line because the mailbox is full and I need help

0:16:33.800 --> 0:16:37.720
<v Speaker 2>parsing through finding y'all's questions. Okay, this question comes from

0:16:37.800 --> 0:16:41.080
<v Speaker 2>listener Jenny Love that name all right. Genny says, I

0:16:41.120 --> 0:16:43.520
<v Speaker 2>found you both in March twenty twenty three and Binge

0:16:43.520 --> 0:16:46.920
<v Speaker 2>listen to your episode from the start. That's amazing. I

0:16:46.920 --> 0:16:49.640
<v Speaker 2>feel like I know you both so well and thank

0:16:49.680 --> 0:16:52.200
<v Speaker 2>you for all the work you both do to empower women.

0:16:52.480 --> 0:16:54.920
<v Speaker 2>I'm in my mid forties. I'm married and I have

0:16:54.960 --> 0:16:57.200
<v Speaker 2>a four year old. I live in New York City,

0:16:57.600 --> 0:17:01.560
<v Speaker 2>Husban and I have a yours, mine and hours financial setup.

0:17:01.920 --> 0:17:04.199
<v Speaker 2>I recently came into some money which falls into the

0:17:04.320 --> 0:17:07.560
<v Speaker 2>mine category. It's around one hundred k. For now, I

0:17:07.600 --> 0:17:09.480
<v Speaker 2>have it parked in a CD till I decide what

0:17:09.560 --> 0:17:12.720
<v Speaker 2>to do with it. I have the following retirement accounts.

0:17:12.800 --> 0:17:15.400
<v Speaker 2>I have an IRA and I've maxed out my twenty

0:17:15.440 --> 0:17:18.159
<v Speaker 2>twenty four contribution. I have a work pension and a

0:17:18.200 --> 0:17:21.520
<v Speaker 2>four to seven B plan which I contribute towards. I

0:17:21.520 --> 0:17:25.760
<v Speaker 2>also have a high yield savings accounts with six months

0:17:25.760 --> 0:17:28.920
<v Speaker 2>worth of expenses. I have revolving credit card debt which

0:17:28.960 --> 0:17:31.600
<v Speaker 2>I pay off each month. Also, I have a mortgage.

0:17:31.760 --> 0:17:34.320
<v Speaker 2>I take care of my disabled father, so I'm wondering

0:17:34.359 --> 0:17:36.960
<v Speaker 2>if I should keep this extra hundred k in a

0:17:37.000 --> 0:17:40.439
<v Speaker 2>savings account for when he passes or as his health deteriorates.

0:17:40.920 --> 0:17:42.680
<v Speaker 2>I took a step down when I had my son

0:17:42.720 --> 0:17:44.959
<v Speaker 2>and I wasn't earning as much for a few years.

0:17:45.280 --> 0:17:48.440
<v Speaker 2>During that time, I didn't contribute to retirement. So should

0:17:48.480 --> 0:17:50.760
<v Speaker 2>I invest the money into a brokerage account? If so,

0:17:50.960 --> 0:17:53.560
<v Speaker 2>how much we have a five to nine plan set

0:17:53.640 --> 0:17:55.440
<v Speaker 2>up for our son. Should I put some in there?

0:17:55.680 --> 0:17:58.639
<v Speaker 2>I have analysis paralysis right now, trying to decide what

0:17:58.720 --> 0:18:03.199
<v Speaker 2>to do. Please advice, I thank you and advance. Ginny, Okay, Ginny.

0:18:03.840 --> 0:18:07.680
<v Speaker 2>I love rich people problems. I love I got money problems.

0:18:07.680 --> 0:18:10.200
<v Speaker 2>This is a good problem to have, okay. And honestly,

0:18:10.240 --> 0:18:12.199
<v Speaker 2>parking it in a CD until you decide what to

0:18:12.200 --> 0:18:14.879
<v Speaker 2>do with it is so damn smart. And the reason

0:18:14.960 --> 0:18:17.240
<v Speaker 2>is that with the certificate a deposit account or a

0:18:17.280 --> 0:18:19.399
<v Speaker 2>CD account, which if you guys don't know what that is,

0:18:19.440 --> 0:18:23.480
<v Speaker 2>there you go. CDs tend to have much higher interest

0:18:23.560 --> 0:18:28.159
<v Speaker 2>rates than your typical high yield savings account even and

0:18:28.240 --> 0:18:30.120
<v Speaker 2>if you get a high interest rate on a CD,

0:18:30.280 --> 0:18:32.040
<v Speaker 2>that can be a great way to grow your funds.

0:18:32.400 --> 0:18:35.360
<v Speaker 2>But you have the protection of FDIC insurance, which means

0:18:35.359 --> 0:18:39.439
<v Speaker 2>that your money is ain't going nowhere. Okay. Also with

0:18:39.520 --> 0:18:41.879
<v Speaker 2>the CD, the only caveat, well there's a couple, but

0:18:41.960 --> 0:18:44.560
<v Speaker 2>the biggest caveat is that you have to leave it there.

0:18:45.119 --> 0:18:47.919
<v Speaker 2>So leave it there for up to for the best rates.

0:18:48.200 --> 0:18:51.000
<v Speaker 2>The best rates on a CD are gonna often come

0:18:51.040 --> 0:18:54.919
<v Speaker 2>along with the longest the longest periods of time with

0:18:54.960 --> 0:18:57.000
<v Speaker 2>which you need to keep the money in that account.

0:18:57.080 --> 0:19:00.920
<v Speaker 2>So one year, two, three, four, five year CD, they're

0:19:00.920 --> 0:19:03.120
<v Speaker 2>going to increase in rate. But the caveat is that

0:19:03.200 --> 0:19:04.960
<v Speaker 2>you will have to pay penalties if you try to

0:19:05.000 --> 0:19:07.720
<v Speaker 2>withdraw it early. So I'm hoping that you have it

0:19:07.760 --> 0:19:09.879
<v Speaker 2>parked in like a I don't know, six month or

0:19:09.880 --> 0:19:12.720
<v Speaker 2>a one year CD, but sounds like a good plan

0:19:12.760 --> 0:19:17.480
<v Speaker 2>while you figure stuff out for sure. Okay, So I'm

0:19:17.560 --> 0:19:21.680
<v Speaker 2>in the put a chunk of that away category away

0:19:21.880 --> 0:19:24.679
<v Speaker 2>for now. You have your six months of expenses for

0:19:24.720 --> 0:19:27.679
<v Speaker 2>your family, but while you're taking care of your father,

0:19:27.880 --> 0:19:31.119
<v Speaker 2>I honestly think double that because the expense of taking

0:19:31.160 --> 0:19:34.919
<v Speaker 2>care of being a caregiver, which means I mean you

0:19:35.000 --> 0:19:36.679
<v Speaker 2>have two people to take care of a four year

0:19:36.720 --> 0:19:39.000
<v Speaker 2>old and you're ailing father and that is just a

0:19:39.040 --> 0:19:41.920
<v Speaker 2>lot of pressure. You may need to take time away

0:19:41.960 --> 0:19:44.480
<v Speaker 2>from work so that you don't end up getting super

0:19:44.480 --> 0:19:46.320
<v Speaker 2>burnt out and overwhelmed. You may want to use some

0:19:46.359 --> 0:19:49.439
<v Speaker 2>of that money to hire a home health aid or

0:19:49.480 --> 0:19:51.439
<v Speaker 2>just to help cover your expenses so that you can

0:19:51.480 --> 0:19:53.280
<v Speaker 2>take a step back if you want to really take

0:19:53.320 --> 0:19:55.679
<v Speaker 2>on a lot of the bulk of the caregiving duties

0:19:55.680 --> 0:19:58.199
<v Speaker 2>and responsibilities. So I could definitely see a world in

0:19:58.240 --> 0:20:00.800
<v Speaker 2>which you just take a part of that and budgeted

0:20:00.800 --> 0:20:03.919
<v Speaker 2>out for how many months of additional support you can

0:20:04.040 --> 0:20:06.800
<v Speaker 2>hire to help with your father or even childcare, you

0:20:06.840 --> 0:20:10.439
<v Speaker 2>know which I want to or maybe both. Even so

0:20:10.520 --> 0:20:12.919
<v Speaker 2>you're revolving credit card debt, you say you pay it

0:20:12.960 --> 0:20:15.480
<v Speaker 2>off each month, so I'm assuming that means you pay

0:20:15.520 --> 0:20:18.399
<v Speaker 2>off in full each month. So it sounds like you

0:20:18.400 --> 0:20:22.119
<v Speaker 2>don't have like any high consumer debt that's gonna immediately

0:20:22.600 --> 0:20:24.959
<v Speaker 2>require like a big chunk of that one hundred k.

0:20:25.720 --> 0:20:28.520
<v Speaker 2>You have a mortgage, I'm gonna I'm gonna guess that

0:20:28.720 --> 0:20:31.760
<v Speaker 2>it's at a relatively low interest rate, so we don't wanna.

0:20:32.200 --> 0:20:34.960
<v Speaker 2>I wouldn't recommend, And again I'm not your financial advisor

0:20:35.080 --> 0:20:38.119
<v Speaker 2>or your attorney or anything. Like that. But I typically

0:20:38.119 --> 0:20:42.600
<v Speaker 2>wouldn't recommend like putting that toward your mortgage, because there's other,

0:20:43.200 --> 0:20:45.919
<v Speaker 2>you know, better places that you can be putting that cash. Sometimes.

0:20:47.040 --> 0:20:49.840
<v Speaker 2>Let me see as far as your like brokerage account.

0:20:49.920 --> 0:20:52.199
<v Speaker 2>Absolutely I would take a chunk of it and you

0:20:52.200 --> 0:20:54.600
<v Speaker 2>can you can break it up, you know. I would

0:20:54.600 --> 0:20:59.040
<v Speaker 2>prioritize it by what is the highest risk category for

0:20:59.480 --> 0:21:02.159
<v Speaker 2>your finance needs. It could be that your dad's going

0:21:02.240 --> 0:21:04.720
<v Speaker 2>to need around the clock care. It could be that

0:21:04.920 --> 0:21:07.359
<v Speaker 2>you're going to be taking a year off because you

0:21:07.480 --> 0:21:10.200
<v Speaker 2>need more time to do all this caregiving. It could

0:21:10.240 --> 0:21:13.040
<v Speaker 2>be that, you know, I know, you say that you're married.

0:21:13.880 --> 0:21:15.960
<v Speaker 2>I hope you're happily married, but it could be that

0:21:16.119 --> 0:21:19.840
<v Speaker 2>you anticipate having a separation and so you'll need to

0:21:19.840 --> 0:21:23.159
<v Speaker 2>have extra income to you know, last you through that time.

0:21:23.320 --> 0:21:25.000
<v Speaker 2>I'm not trying to be a Debbie down er. I'm

0:21:25.000 --> 0:21:28.320
<v Speaker 2>just being realistic as some like different scenarios of what

0:21:28.400 --> 0:21:30.680
<v Speaker 2>would come down the pike to make you want to

0:21:30.720 --> 0:21:34.520
<v Speaker 2>hold on to more cash now because you were not

0:21:34.600 --> 0:21:37.480
<v Speaker 2>able to contribute to your retirement fund for those three years,

0:21:37.920 --> 0:21:42.040
<v Speaker 2>catching up by parking like actually depositing a chunk of

0:21:42.080 --> 0:21:44.840
<v Speaker 2>that Hunter K, and to your you say that you've

0:21:44.840 --> 0:21:47.600
<v Speaker 2>maxed out your IRA, well, then open up a traditional

0:21:47.600 --> 0:21:51.000
<v Speaker 2>brokerage account. It can be a ROTH, but open up

0:21:51.040 --> 0:21:54.680
<v Speaker 2>a traditional like brokerage account and you could put half

0:21:54.720 --> 0:21:56.600
<v Speaker 2>of that hundred k. You can put the fifty k

0:21:56.640 --> 0:22:00.119
<v Speaker 2>into that. A good I OWE. A good strategy to

0:22:00.160 --> 0:22:03.040
<v Speaker 2>think about too, is like, as far as taxes are concerned,

0:22:03.440 --> 0:22:05.360
<v Speaker 2>where can you put that one hundred k that will

0:22:05.400 --> 0:22:10.919
<v Speaker 2>minimize your tax liability? So if you have an accountant, Jinny,

0:22:10.960 --> 0:22:13.560
<v Speaker 2>I would definitely say ask your accountant. This is I'm

0:22:13.560 --> 0:22:15.760
<v Speaker 2>answering your question. At the end of November, you still

0:22:15.800 --> 0:22:18.560
<v Speaker 2>got time, right this episode's coming out tomorrow, you still

0:22:18.600 --> 0:22:21.560
<v Speaker 2>have time to make some smart decisions about where to

0:22:21.560 --> 0:22:24.600
<v Speaker 2>put that money so that you don't end up having

0:22:24.600 --> 0:22:27.919
<v Speaker 2>as much tax liability. So that could be maxing out

0:22:27.920 --> 0:22:29.920
<v Speaker 2>your four one K, or you save a four to

0:22:29.960 --> 0:22:32.520
<v Speaker 2>seven what is it four or five seven B a

0:22:32.680 --> 0:22:36.480
<v Speaker 2>program that you have, so maxing that out, maxing out

0:22:36.520 --> 0:22:39.919
<v Speaker 2>your WROTH, I RAY, and then whatever else you have

0:22:40.040 --> 0:22:43.120
<v Speaker 2>you can max out if you have a HSA account,

0:22:43.680 --> 0:22:48.000
<v Speaker 2>if you have goodness, What are some other tax advantages

0:22:48.359 --> 0:22:50.760
<v Speaker 2>tax advantage accounts that I can think of right now.

0:22:52.280 --> 0:22:56.679
<v Speaker 2>Those are the big ones. Yeah, oh you're obviously you

0:22:56.720 --> 0:22:58.560
<v Speaker 2>mentioned your five two nine set up for your son,

0:22:58.680 --> 0:23:01.640
<v Speaker 2>So also making that contribution before the end of the year,

0:23:02.240 --> 0:23:06.280
<v Speaker 2>it could potentially reduce your income, your tax income for

0:23:06.320 --> 0:23:09.560
<v Speaker 2>the year. So I think it's a good opportunity for

0:23:09.640 --> 0:23:12.040
<v Speaker 2>you to talk one on one with your accountant or

0:23:12.080 --> 0:23:16.520
<v Speaker 2>an accountant, because sometimes I know that you've got these

0:23:16.680 --> 0:23:19.800
<v Speaker 2>varying priorities and all these different big important things that

0:23:19.840 --> 0:23:23.760
<v Speaker 2>you could be setting aside money for. But the beauty

0:23:23.800 --> 0:23:25.720
<v Speaker 2>of an accountant is that they can help you put

0:23:25.760 --> 0:23:28.639
<v Speaker 2>that money away so that you maximize the amount of

0:23:28.720 --> 0:23:31.080
<v Speaker 2>money that you end up with and minimize the amount

0:23:31.119 --> 0:23:33.199
<v Speaker 2>of money that Uncle Sam takes because he will be

0:23:33.200 --> 0:23:35.480
<v Speaker 2>coming to get his share. That is the one thing

0:23:35.480 --> 0:23:38.760
<v Speaker 2>that he will always be want to do. Okay, So

0:23:38.800 --> 0:23:40.800
<v Speaker 2>that's really my advice. That's some ideas that I have,

0:23:40.920 --> 0:23:44.720
<v Speaker 2>But I think ultimately sitting down with the CPA who

0:23:44.760 --> 0:23:47.399
<v Speaker 2>can make the help you make the best choices to

0:23:47.920 --> 0:23:51.640
<v Speaker 2>limit your taxes is a really smart way to take this.

0:23:52.320 --> 0:23:54.679
<v Speaker 2>And I'll be surprised if you don't already have a CPA,

0:23:54.760 --> 0:23:58.160
<v Speaker 2>because I have never. I mean, I just love messages

0:23:58.200 --> 0:24:00.400
<v Speaker 2>like this especially when you listen to our show, because

0:24:00.400 --> 0:24:04.439
<v Speaker 2>it just shows how incredible our audience is and how

0:24:04.520 --> 0:24:06.960
<v Speaker 2>y'all really listen and take note. And I'm just really

0:24:06.960 --> 0:24:09.440
<v Speaker 2>proud of you for even being in this situation right now.

0:24:09.480 --> 0:24:12.840
<v Speaker 2>And I think if you can maximize your tech strategies here,

0:24:13.040 --> 0:24:16.360
<v Speaker 2>you'll be in amazing shape. Okay, thank you so much,

0:24:16.400 --> 0:24:19.520
<v Speaker 2>Jinny for your question. BA Fan hit us up. We

0:24:19.560 --> 0:24:22.399
<v Speaker 2>are brown at Brand Ambition Podcast on IG. If you

0:24:22.440 --> 0:24:24.800
<v Speaker 2>want to hit us up on IG, you can email

0:24:24.920 --> 0:24:29.040
<v Speaker 2>us Brand Ambition Podcast at gmail dot com. Don't forget

0:24:29.080 --> 0:24:31.880
<v Speaker 2>to leave a rating or review, leave us a comment.

0:24:31.960 --> 0:24:35.600
<v Speaker 2>To those who are tuning in on YouTube, Hello, Hello,

0:24:36.040 --> 0:24:39.560
<v Speaker 2>seeing me live and color our YouTube audience, y'all are

0:24:39.600 --> 0:24:43.160
<v Speaker 2>just incredible. I love I'm always in the comments. There's

0:24:43.160 --> 0:24:47.000
<v Speaker 2>an incredible discourse on YouTube and I'm loving growing our

0:24:47.040 --> 0:24:49.880
<v Speaker 2>community there. So if you're listening right now on Apple

0:24:50.000 --> 0:24:53.199
<v Speaker 2>or Spotify or another audio platform, hop on over to YouTube.

0:24:53.200 --> 0:24:56.280
<v Speaker 2>Make sure you're subscribing to Brand Ambition Podcast. I post

0:24:56.359 --> 0:24:59.439
<v Speaker 2>special clips of the shows. When we do live events,

0:24:59.440 --> 0:25:02.120
<v Speaker 2>they're going to be on YouTube being streamed, So make

0:25:02.160 --> 0:25:05.280
<v Speaker 2>sure that you are subscribed. You can get notified and

0:25:05.600 --> 0:25:07.520
<v Speaker 2>stay in tune with our content there. If you just

0:25:07.520 --> 0:25:10.720
<v Speaker 2>want to see what's the state of Mandy's crazy playroom

0:25:10.760 --> 0:25:12.960
<v Speaker 2>office and when is she going to get a grown

0:25:13.040 --> 0:25:16.960
<v Speaker 2>up office again? Join us over on YouTube all right,

0:25:17.000 --> 0:25:22.480
<v Speaker 2>PAFAM until Monday, Happy weekend. I can't wait to see

0:25:22.560 --> 0:25:26.439
<v Speaker 2>y'all inside the Academy. Bye.