1
00:00:16,320 --> 00:00:20,959
Speaker 1: Hey, hey, hey, a little jazz for you. I'm back.

2
00:00:21,400 --> 00:00:25,439
Speaker 1: We're black, we're brown. It's Tiffany and Mandy.

3
00:00:25,560 --> 00:00:26,920
Speaker 2: I'm doing jazz hands.

4
00:00:27,120 --> 00:00:31,240
Speaker 1: Can you feel it? I can feel it.

5
00:00:31,680 --> 00:00:33,919
Speaker 2: I had to dig deep those jazz, those jazz hands too.

6
00:00:33,960 --> 00:00:35,800
Speaker 2: It's been a long week. It's only Tuesday.

7
00:00:37,840 --> 00:00:39,960
Speaker 1: Oh, so what's going on.

8
00:00:40,479 --> 00:00:43,800
Speaker 2: Let's look at the headlines real quick. So everyone do

9
00:00:43,960 --> 00:00:46,680
Speaker 2: not Like, first of all, I did this myself, so

10
00:00:46,720 --> 00:00:48,600
Speaker 2: I shouldn't really tell you not to. But don't go

11
00:00:48,640 --> 00:00:50,960
Speaker 2: to Trader Joe's and stock up on avocados now because

12
00:00:50,960 --> 00:00:55,480
Speaker 2: you're worried about the Mexico trade tariffs. That are you know,

13
00:00:55,560 --> 00:00:59,040
Speaker 2: someone's president and wants to start imposing they're coming from

14
00:00:59,040 --> 00:01:02,680
Speaker 2: my avocados, y'all, which is like the most important Mexican

15
00:01:02,720 --> 00:01:05,319
Speaker 2: import in my life. Did you hear after news broke

16
00:01:05,360 --> 00:01:10,160
Speaker 2: that Trump was considering this five percent tariff on Mexican imports,

17
00:01:10,640 --> 00:01:15,160
Speaker 2: Chipotle stock went down. No, Yeah, well I can see

18
00:01:15,160 --> 00:01:16,480
Speaker 2: why because their guac is delicious.

19
00:01:16,520 --> 00:01:16,679
Speaker 1: Yeah.

20
00:01:16,680 --> 00:01:19,920
Speaker 2: They go through something like over like hundreds of thousands

21
00:01:19,959 --> 00:01:23,360
Speaker 2: of avocados a day they go through Okay, yeah, yeah.

22
00:01:23,200 --> 00:01:25,200
Speaker 1: Even though guac is extra, peopleut online.

23
00:01:25,560 --> 00:01:28,720
Speaker 2: I mean, I'll pay two dollars extra. It's delicious, it is,

24
00:01:28,760 --> 00:01:31,000
Speaker 2: and you know what what you're paying for is someone

25
00:01:31,040 --> 00:01:33,200
Speaker 2: went and found that avocado and waited for it to

26
00:01:33,240 --> 00:01:35,760
Speaker 2: be ripe enough to cook, like not to cook, but

27
00:01:35,800 --> 00:01:37,319
Speaker 2: to prepare because you know how it is like when

28
00:01:37,319 --> 00:01:40,200
Speaker 2: you go to the store and all the avocados are hard, Yeah,

29
00:01:40,200 --> 00:01:42,280
Speaker 2: and you have to wait four days for them to ripen.

30
00:01:42,640 --> 00:01:42,800
Speaker 3: You know.

31
00:01:42,880 --> 00:01:44,600
Speaker 2: So I'll pay that extra two dollars, Sure, I.

32
00:01:44,560 --> 00:01:47,760
Speaker 1: Will, exactly. But it's a crazy because I was reading

33
00:01:47,800 --> 00:01:51,280
Speaker 1: that like cars, you're looking at spending an additional like

34
00:01:51,440 --> 00:01:54,639
Speaker 1: thousands of two thousand dollars more because of this trade

35
00:01:54,640 --> 00:01:56,720
Speaker 1: tariff that might that's going to happen.

36
00:01:57,080 --> 00:01:59,960
Speaker 2: Yeah, it's not just avocados, although that's what I think about. Yeah,

37
00:02:00,120 --> 00:02:04,760
Speaker 2: like tons of cars. You know, commercial vehicles come from Mexico.

38
00:02:05,120 --> 00:02:07,880
Speaker 2: Computer equipment comes from Mexico. A lot of stuff comes

39
00:02:07,920 --> 00:02:10,440
Speaker 2: from Mexico. If you thought China China, what am I

40
00:02:10,440 --> 00:02:13,399
Speaker 2: talking about? If you thought China tariffs were, we're bad,

41
00:02:13,440 --> 00:02:16,280
Speaker 2: these can be equally harmful. I don't know if it'll happen, though,

42
00:02:16,320 --> 00:02:20,519
Speaker 2: I got an alert from the Times earlier that Senate Republicans,

43
00:02:20,639 --> 00:02:26,919
Speaker 2: so Trump's people supposedly are aligned together against the tariffs,

44
00:02:26,919 --> 00:02:29,639
Speaker 2: so we'll see if he but you know, he's been

45
00:02:29,680 --> 00:02:33,960
Speaker 2: known to go against his his uh supposed to follower

46
00:02:34,000 --> 00:02:36,400
Speaker 2: his base, you know, when it suits him best. So

47
00:02:36,480 --> 00:02:39,200
Speaker 2: we'll see or maybe all of his time with our

48
00:02:39,240 --> 00:02:44,120
Speaker 2: dear Queen Elizabeth in London, will we'll chill him out

49
00:02:44,120 --> 00:02:44,560
Speaker 2: a little bit.

50
00:02:45,400 --> 00:02:49,000
Speaker 1: Yeah. I was like, oh gosh, I know, first of all,

51
00:02:49,040 --> 00:02:51,760
Speaker 1: to hilarious some of the some of the backlash. You know,

52
00:02:51,880 --> 00:02:54,600
Speaker 1: did you see the big Trump baby blint or whatever

53
00:02:54,639 --> 00:02:57,280
Speaker 1: that they were they were walking down the street. I'm

54
00:02:57,280 --> 00:02:59,240
Speaker 1: not gonna lie. Always get a little kickle out of

55
00:02:59,280 --> 00:03:02,000
Speaker 1: those all those called efforties.

56
00:03:02,960 --> 00:03:04,600
Speaker 2: I think an effigy is something you burn.

57
00:03:05,280 --> 00:03:06,440
Speaker 1: Yeah, well they had those two.

58
00:03:06,800 --> 00:03:08,760
Speaker 2: I mean you could burn it. No, that is like

59
00:03:08,800 --> 00:03:10,959
Speaker 2: a giant like a Thanksgiving Day balloon. But it looks

60
00:03:11,000 --> 00:03:13,560
Speaker 2: like a Trump baby, like a cry baby. I mean,

61
00:03:14,800 --> 00:03:18,600
Speaker 2: art is accurate sometimes that is exactly what it feels like.

62
00:03:19,520 --> 00:03:21,600
Speaker 2: I got in trouble for sharing fake news though I

63
00:03:21,680 --> 00:03:25,280
Speaker 2: shared a well technically the Daily The Daily Show shared

64
00:03:25,320 --> 00:03:27,079
Speaker 2: it first on the ground, but there's a picture of

65
00:03:27,120 --> 00:03:29,160
Speaker 2: him going around, you know, lined up with the Queen

66
00:03:29,280 --> 00:03:32,919
Speaker 2: and the and Prince Charles and Camilla and everything and

67
00:03:32,919 --> 00:03:35,800
Speaker 2: and and uh and Malania looking out elegant and then

68
00:03:35,840 --> 00:03:38,480
Speaker 2: Trump standing there in like some khaki pants and a

69
00:03:38,480 --> 00:03:40,840
Speaker 2: polo shirt, and I was like, this is what it

70
00:03:40,880 --> 00:03:43,840
Speaker 2: was so believable. I grammed it to some of my friends.

71
00:03:43,920 --> 00:03:45,200
Speaker 2: Is that what she's Is that what the kids say?

72
00:03:45,240 --> 00:03:49,320
Speaker 2: I grammed it, I DMed it. I don't know.

73
00:03:50,200 --> 00:03:55,360
Speaker 1: I never you're not generation.

74
00:03:55,680 --> 00:03:57,880
Speaker 2: I took a month off Instagram and now I don't

75
00:03:57,960 --> 00:04:01,600
Speaker 2: know my people anyway, I said, And they're like fake news.

76
00:04:01,640 --> 00:04:01,760
Speaker 1: Oh.

77
00:04:01,760 --> 00:04:03,680
Speaker 2: I felt like such an idiot. I hate that. I

78
00:04:03,680 --> 00:04:07,000
Speaker 2: hate that I shared fake news. But whatever the other

79
00:04:07,120 --> 00:04:07,640
Speaker 2: on the other.

80
00:04:07,520 --> 00:04:09,720
Speaker 1: Hand, and it wasn't like, you know, at work.

81
00:04:09,680 --> 00:04:11,800
Speaker 2: It was karma. Yeah, I didn't like, you know, write

82
00:04:11,800 --> 00:04:14,960
Speaker 2: an article for the world, but yeah, so that's happening.

83
00:04:15,040 --> 00:04:19,280
Speaker 2: And back in America, if you weren't stunned to death

84
00:04:19,360 --> 00:04:22,560
Speaker 2: by Beyonce's lion King or what was it, like a

85
00:04:22,640 --> 00:04:27,720
Speaker 2: lioness outfit that she wore for her mom's Wearable art gala,

86
00:04:28,240 --> 00:04:30,760
Speaker 2: which just looks like the most beautiful, blackest party in

87
00:04:30,800 --> 00:04:33,600
Speaker 2: the entire world. Like I wish I would get an invite,

88
00:04:33,640 --> 00:04:36,640
Speaker 2: but that's never gonna happen. So Beyonce was rocking that

89
00:04:36,720 --> 00:04:39,640
Speaker 2: and then her husband Jay Z Don't Sleep on Him

90
00:04:39,680 --> 00:04:42,320
Speaker 2: became hip hop's first billionaire apparently.

91
00:04:42,440 --> 00:04:46,919
Speaker 1: Yeah, that is amazing. At first, I was like, wait,

92
00:04:47,040 --> 00:04:48,520
Speaker 1: is this like as a couple because I thought they've

93
00:04:48,520 --> 00:04:51,600
Speaker 1: been a billion member when Beyonce had in her song

94
00:04:51,720 --> 00:04:54,120
Speaker 1: like of course there's some some things go down when

95
00:04:54,120 --> 00:04:56,600
Speaker 1: there's a billion dollars in the elevator, and I was like,

96
00:04:56,760 --> 00:04:58,719
Speaker 1: they are already a billion dollar a couple altogether, and

97
00:04:58,760 --> 00:05:02,919
Speaker 1: you were like they are, But he singularly, separately is

98
00:05:03,000 --> 00:05:05,400
Speaker 1: a billion is his network is a billion dollars? Which

99
00:05:05,440 --> 00:05:06,440
Speaker 1: I was like, whoa.

100
00:05:06,960 --> 00:05:08,640
Speaker 2: Yeah, he's not a stay at home dad. You guys,

101
00:05:08,640 --> 00:05:11,279
Speaker 2: he's been very, very busy. I was just trying to remember.

102
00:05:11,320 --> 00:05:13,039
Speaker 2: I'm like, what is Jay got going on? But he's

103
00:05:13,080 --> 00:05:16,560
Speaker 2: really been singular and the fact that he's been adamant

104
00:05:16,600 --> 00:05:20,080
Speaker 2: with his career in owning things, not just being you know,

105
00:05:20,400 --> 00:05:23,159
Speaker 2: being beholden to a record label. He launched his own

106
00:05:23,960 --> 00:05:26,920
Speaker 2: or beholden to even like streaming services like you said,

107
00:05:26,920 --> 00:05:29,960
Speaker 2: he launched title. So that's where the wealth is.

108
00:05:31,360 --> 00:05:34,400
Speaker 1: Do say? I think it's like his alcohol company, you know,

109
00:05:34,440 --> 00:05:36,760
Speaker 1: He's got this rap where he says, I'm not a businessman,

110
00:05:36,920 --> 00:05:40,000
Speaker 1: I'm a business man. I'm like, so you are.

111
00:05:40,320 --> 00:05:42,479
Speaker 2: And it's in that comma that it's worth a billion

112
00:05:42,560 --> 00:05:44,800
Speaker 2: dollars exactly.

113
00:05:45,320 --> 00:05:47,200
Speaker 1: And just of course there's like his music and stuff.

114
00:05:47,240 --> 00:05:49,919
Speaker 1: But you know, but it's just it's pretty amazing and

115
00:05:49,920 --> 00:05:52,320
Speaker 1: you're like, wow, that's pretty amazing.

116
00:05:53,720 --> 00:05:55,680
Speaker 2: So he's not just mister bay No.

117
00:05:55,920 --> 00:05:57,320
Speaker 1: You know, people love to say that, but you know,

118
00:05:57,360 --> 00:05:59,359
Speaker 1: this is someone who's been making moves behind the scenes,

119
00:05:59,800 --> 00:06:01,839
Speaker 1: and so we have to, you know, give him his respect.

120
00:06:01,920 --> 00:06:05,080
Speaker 1: I mean that's you know, I mean, he's the he Wow.

121
00:06:05,200 --> 00:06:08,400
Speaker 1: He is, according to Black Enterprise, the fifth black billionaire

122
00:06:08,440 --> 00:06:09,359
Speaker 1: in the United States.

123
00:06:09,560 --> 00:06:11,320
Speaker 2: That's crazy in all of history.

124
00:06:12,040 --> 00:06:15,880
Speaker 1: Well, like I think currently, I'm like wow, real, yeah,

125
00:06:15,960 --> 00:06:21,160
Speaker 1: so he beat out Doctor Dre, he beat out Diddy. Yeah.

126
00:06:21,680 --> 00:06:24,760
Speaker 1: I just I'm honestly really just like wow. So it's

127
00:06:24,839 --> 00:06:28,440
Speaker 1: you know, it expanses he and encompasses liquor are to

128
00:06:28,480 --> 00:06:31,799
Speaker 1: real estate, steaks and company like Uber.

129
00:06:31,920 --> 00:06:35,120
Speaker 2: Okay, oh I did read that, like Beyonce and him

130
00:06:35,160 --> 00:06:36,680
Speaker 2: invested big in Uber or something.

131
00:06:36,880 --> 00:06:40,560
Speaker 1: Yeah, they included like it's like a seventy million dollars

132
00:06:40,560 --> 00:06:42,040
Speaker 1: steak in Uber, which is now worth two hundred and

133
00:06:42,040 --> 00:06:45,840
Speaker 1: twenty million. Do say the Cognac one hundred million, title

134
00:06:45,880 --> 00:06:49,280
Speaker 1: one hundred million, Rock Nation, seventy five million, music catalog,

135
00:06:49,360 --> 00:06:52,800
Speaker 1: seventy five art collection, seventy million, real estate fifty million.

136
00:06:53,160 --> 00:06:56,240
Speaker 1: Wait all, there's another Champagne. I'm not even gonna say

137
00:06:56,320 --> 00:07:01,880
Speaker 1: Armadday Brignock. Clearly I'm not culture three hundred and ten million.

138
00:07:02,040 --> 00:07:03,320
Speaker 2: He made it sound delicious.

139
00:07:05,120 --> 00:07:05,720
Speaker 3: Can I get that?

140
00:07:05,839 --> 00:07:06,880
Speaker 1: I'm a day?

141
00:07:07,480 --> 00:07:08,359
Speaker 2: Can I get that? Break?

142
00:07:08,360 --> 00:07:12,680
Speaker 1: Not? But yeah, this is someone. I mean, I'm just

143
00:07:12,720 --> 00:07:14,880
Speaker 1: really like, Wow, that's awesome. I didn't realize there was

144
00:07:14,960 --> 00:07:19,559
Speaker 1: only five black billionaires the United States. Well, he's joining

145
00:07:19,560 --> 00:07:22,880
Speaker 1: the ranks of Apral and our beloved now Robert Smyth

146
00:07:23,200 --> 00:07:27,320
Speaker 1: aka mister Morehouse. So that's awesome.

147
00:07:28,160 --> 00:07:30,320
Speaker 2: I'm working on a millionaire status. I did the I

148
00:07:30,400 --> 00:07:33,120
Speaker 2: used the bank rate compound interest tool, and if I

149
00:07:33,200 --> 00:07:36,240
Speaker 2: stopped saving in my retirement fund today, which I started

150
00:07:36,280 --> 00:07:38,560
Speaker 2: when I was like making nothing as a writer, when

151
00:07:38,560 --> 00:07:41,080
Speaker 2: I was twenty two or twenty three, if I stopped

152
00:07:41,120 --> 00:07:44,360
Speaker 2: saving today, I will have over a million dollars by

153
00:07:44,400 --> 00:07:45,240
Speaker 2: the time I'm sixty.

154
00:07:45,720 --> 00:07:46,360
Speaker 1: That's awesome.

155
00:07:46,480 --> 00:07:48,800
Speaker 2: That gave me such comfort. I mean, this is of course, like,

156
00:07:49,240 --> 00:07:51,480
Speaker 2: you know, for trying to predict the future. But I

157
00:07:51,520 --> 00:07:53,560
Speaker 2: was like, damn, because I just started when I was

158
00:07:53,600 --> 00:07:55,880
Speaker 2: twenty two, and I had like I was making like

159
00:07:55,960 --> 00:07:58,600
Speaker 2: what forty thousand dollars a year, feeling like I had

160
00:07:58,600 --> 00:08:01,160
Speaker 2: nothing to save, and I just started. Did just start?

161
00:08:01,200 --> 00:08:02,080
Speaker 2: You guys? Just start?

162
00:08:02,160 --> 00:08:04,720
Speaker 1: Yeah, it just start. Wow, that's awesome. And so because

163
00:08:04,760 --> 00:08:06,600
Speaker 1: you did a target date fund, correct.

164
00:08:06,760 --> 00:08:08,880
Speaker 2: I did? Yeah, I forget. Yeah, I think from the

165
00:08:08,920 --> 00:08:11,080
Speaker 2: beginning I had I think my first four oh one

166
00:08:11,160 --> 00:08:13,400
Speaker 2: k ever was in a TD Ameritrade account. They had

167
00:08:13,560 --> 00:08:15,760
Speaker 2: some kind of target date fund. And then over the

168
00:08:15,880 --> 00:08:19,160
Speaker 2: years I've switched employers and had to I've rolled over

169
00:08:19,200 --> 00:08:21,440
Speaker 2: my four to one k, and finally I'm at Vanguard

170
00:08:22,440 --> 00:08:24,640
Speaker 2: in a target date fund. Yeah, I've just kept it going,

171
00:08:24,680 --> 00:08:26,960
Speaker 2: you know. I mean, at a certain point it might

172
00:08:27,000 --> 00:08:29,760
Speaker 2: make sense to switch it up a little bit. But

173
00:08:29,800 --> 00:08:31,520
Speaker 2: the beauty of the target date fund is that it

174
00:08:31,560 --> 00:08:34,720
Speaker 2: automatically shifts my investments as I get older, So I'm

175
00:08:34,720 --> 00:08:38,400
Speaker 2: not as heavily invested in stocks as I was when

176
00:08:38,440 --> 00:08:41,320
Speaker 2: I was younger. I'm still pretty young, so I'm still

177
00:08:41,360 --> 00:08:44,040
Speaker 2: heavily invested in stocks. But as I get older and

178
00:08:44,160 --> 00:08:47,240
Speaker 2: you know, forties, fifty sixties, it should shift so that

179
00:08:47,280 --> 00:08:51,280
Speaker 2: I'm not you know, as heavily weighted. And it's so important.

180
00:08:51,280 --> 00:08:53,679
Speaker 2: There was like a there's a new report out about

181
00:08:53,679 --> 00:08:56,000
Speaker 2: how you know, we talked about retirement, and I think

182
00:08:56,600 --> 00:08:59,120
Speaker 2: the impression people have of retirement is that and this

183
00:08:59,200 --> 00:09:00,959
Speaker 2: is right. You mean, you should be optimistic that you're

184
00:09:00,960 --> 00:09:03,120
Speaker 2: going to be saving so you can buy your retirement

185
00:09:03,160 --> 00:09:05,120
Speaker 2: home or you know, travel the world. That's what I

186
00:09:05,240 --> 00:09:07,720
Speaker 2: envision for myself. But the reality is that a lot

187
00:09:07,720 --> 00:09:10,320
Speaker 2: of people end up retiring earlier than they thought because

188
00:09:10,360 --> 00:09:12,720
Speaker 2: they need long term health care, they have some kind

189
00:09:12,760 --> 00:09:16,560
Speaker 2: of health issue. There is this interesting stat that, like,

190
00:09:17,080 --> 00:09:19,200
Speaker 2: I forget what the exact numbers were, but most people

191
00:09:19,200 --> 00:09:22,200
Speaker 2: think they'll retire at age seventy, but in reality, they

192
00:09:22,200 --> 00:09:23,319
Speaker 2: retire like sixty one.

193
00:09:23,800 --> 00:09:23,960
Speaker 1: You know.

194
00:09:23,960 --> 00:09:26,360
Speaker 2: It's just see right before Social Security benefits hit and

195
00:09:26,400 --> 00:09:30,800
Speaker 2: it's largely due to like health complications, and and for me,

196
00:09:30,920 --> 00:09:32,680
Speaker 2: you know, it's and for us it's really important to

197
00:09:32,720 --> 00:09:35,480
Speaker 2: think about you know, that retirement fund as like your

198
00:09:35,720 --> 00:09:38,480
Speaker 2: your long term care fund too. You know, who's going

199
00:09:38,559 --> 00:09:41,520
Speaker 2: to pay for your your home health care aid? If

200
00:09:41,559 --> 00:09:44,040
Speaker 2: you need someone or your medical bills, you know, if

201
00:09:44,080 --> 00:09:47,600
Speaker 2: they start piling up, and yeah, it's just it's sad

202
00:09:47,679 --> 00:09:51,960
Speaker 2: to see seniors, like older people who've paid their dues,

203
00:09:52,000 --> 00:09:53,960
Speaker 2: done everything right, and then they're just like trapped in

204
00:09:54,000 --> 00:09:57,040
Speaker 2: all this debt because they can't afford their medical expenses

205
00:09:57,040 --> 00:10:01,680
Speaker 2: and their health care. So who's your who's your retirement person? Wanda?

206
00:10:02,559 --> 00:10:05,600
Speaker 1: Oh yeah, yeah, my old lady, my seventy year old lady. Yeah,

207
00:10:05,640 --> 00:10:08,520
Speaker 1: Wanda is her name. And maybe let's explain what a

208
00:10:08,559 --> 00:10:10,319
Speaker 1: target date fund is. Come sort some people are like,

209
00:10:10,360 --> 00:10:11,880
Speaker 1: what's the target date fund? Oh?

210
00:10:11,960 --> 00:10:13,800
Speaker 2: Yeah, well you can skip back to what was it

211
00:10:13,840 --> 00:10:16,720
Speaker 2: two episodes ago when I replayed our interview with my

212
00:10:16,720 --> 00:10:19,200
Speaker 2: financial planner Helen where we talk all about target day funds.

213
00:10:19,240 --> 00:10:22,280
Speaker 2: But quick version of the story is that it is

214
00:10:22,360 --> 00:10:25,600
Speaker 2: a investment fund that has instead of just investing in

215
00:10:25,600 --> 00:10:28,080
Speaker 2: one company, they invest you in a bunch of different

216
00:10:28,080 --> 00:10:31,920
Speaker 2: companies and it just helps you expose, like expand your risk,

217
00:10:32,000 --> 00:10:33,880
Speaker 2: so you're not putting all your eggs in one basket,

218
00:10:33,960 --> 00:10:36,920
Speaker 2: and you basically pick the fund that aligns with your

219
00:10:37,040 --> 00:10:40,800
Speaker 2: target retirement age or retirement year. So I think I'm

220
00:10:40,880 --> 00:10:43,760
Speaker 2: twenty fifty five. I want to say, I just guessed

221
00:10:43,800 --> 00:10:46,440
Speaker 2: where I would be forty years in the future, and

222
00:10:46,480 --> 00:10:48,200
Speaker 2: they usually do it every five years. So it's like

223
00:10:48,200 --> 00:10:50,200
Speaker 2: a twenty there's a twenty fifty, and there's a twenty

224
00:10:50,200 --> 00:10:53,240
Speaker 2: fifty five, and twenty sixty and twenty sixty five. You

225
00:10:53,280 --> 00:10:56,040
Speaker 2: pick the fund that you know matches your target retirement

226
00:10:56,040 --> 00:10:58,240
Speaker 2: age and that's it. Like you just put money into

227
00:10:58,360 --> 00:11:02,199
Speaker 2: it and they diversify it for you, and then over time,

228
00:11:02,360 --> 00:11:05,280
Speaker 2: like I said, they'll shift your investments away from like

229
00:11:05,320 --> 00:11:08,440
Speaker 2: you usually start heavily invested in stocks because they're riskier,

230
00:11:08,480 --> 00:11:12,560
Speaker 2: but they have higher potential for rewards, and then over

231
00:11:12,640 --> 00:11:15,160
Speaker 2: time they'll shift it so you're more invested in low

232
00:11:15,280 --> 00:11:18,360
Speaker 2: risk assets like cash and bonds.

233
00:11:18,840 --> 00:11:21,439
Speaker 1: Yeah, that's good. I know. I feel like thanks tips.

234
00:11:21,440 --> 00:11:23,160
Speaker 1: See I was cause I know someone was like Target

235
00:11:23,240 --> 00:11:25,200
Speaker 1: Day Fund, let me get to the Googles. You don't

236
00:11:25,200 --> 00:11:26,920
Speaker 1: need the Googles when you have the mandies.

237
00:11:27,280 --> 00:11:29,640
Speaker 2: They really could, like find someone else to rebrand these

238
00:11:29,679 --> 00:11:33,040
Speaker 2: products to make them more memorable and like easy understand.

239
00:11:33,080 --> 00:11:35,480
Speaker 1: I mean, come on, I mean, well, I feel like

240
00:11:35,520 --> 00:11:37,520
Speaker 1: I do like Target Date Fund. Like it's because I

241
00:11:37,520 --> 00:11:40,600
Speaker 1: feel like it does kind of explain what it is

242
00:11:40,640 --> 00:11:42,160
Speaker 1: even though you might need a little bit like, you know,

243
00:11:42,160 --> 00:11:44,600
Speaker 1: more digging. But I do like the name Target Date

244
00:11:44,600 --> 00:11:48,600
Speaker 1: Fund because it's like, oh, okay, gotcha.

245
00:11:48,520 --> 00:11:52,839
Speaker 2: Gotcha, my little insurance fun. What else is going on?

246
00:11:54,280 --> 00:11:59,600
Speaker 1: What's happening in the news? What is happening in the news.

247
00:11:59,600 --> 00:12:01,480
Speaker 1: I feel like, have you watched this? It's kind of

248
00:12:01,480 --> 00:12:04,160
Speaker 1: like an inside oh when they see us Abraduvenet trying

249
00:12:04,160 --> 00:12:05,960
Speaker 1: to make everybody cry. But we need to see it.

250
00:12:06,120 --> 00:12:09,160
Speaker 2: Oh, I know, I'm gonna. We sat down on Friday

251
00:12:09,200 --> 00:12:12,280
Speaker 2: night to like do our usual Netflix and chill, and

252
00:12:12,600 --> 00:12:15,800
Speaker 2: I was so bone tired. I didn't have the like

253
00:12:15,880 --> 00:12:17,720
Speaker 2: I didn't have it in me to watch it. But

254
00:12:17,760 --> 00:12:20,120
Speaker 2: I'm gonna watch it this weekend. I'm gonna prepare myself.

255
00:12:20,240 --> 00:12:21,360
Speaker 2: I heard it's really good.

256
00:12:22,160 --> 00:12:26,440
Speaker 1: Yeah yeah, everyone told me that they're like it's really good,

257
00:12:26,559 --> 00:12:28,880
Speaker 1: but prepared to like really ball your eyes out and

258
00:12:28,960 --> 00:12:30,760
Speaker 1: be like wow, some of these people were really evil,

259
00:12:30,920 --> 00:12:33,840
Speaker 1: like really evil, and that these were like babies, like

260
00:12:33,880 --> 00:12:37,000
Speaker 1: you know, like little ones like like fourteen. These are

261
00:12:37,800 --> 00:12:40,880
Speaker 1: I just can't imagine the terror they must have felt.

262
00:12:41,120 --> 00:12:42,959
Speaker 1: I can't When I was like in ninth grade, if

263
00:12:42,960 --> 00:12:44,920
Speaker 1: someone would have done this to me, I just I

264
00:12:45,000 --> 00:12:47,240
Speaker 1: just don't know, and put in and put an adult prisons.

265
00:12:48,120 --> 00:12:51,240
Speaker 1: I just and then when over and over and over again,

266
00:12:51,280 --> 00:12:54,319
Speaker 1: the the you know, the the evidence you know did

267
00:12:54,360 --> 00:12:56,079
Speaker 1: not point in their favor. They made it point in

268
00:12:56,120 --> 00:12:58,760
Speaker 1: their and you know, they made it point to them,

269
00:12:58,800 --> 00:13:03,360
Speaker 1: I just who child. It's just it's a lot. Sometimes

270
00:13:03,360 --> 00:13:05,800
Speaker 1: you're just like, uh, not today, not today, not today,

271
00:13:05,840 --> 00:13:08,120
Speaker 1: you know, because it's a lot. But I know I

272
00:13:08,160 --> 00:13:10,120
Speaker 1: have to watch. Everyone's like, no, you have to watch it.

273
00:13:10,600 --> 00:13:12,720
Speaker 2: Yeah, I feel like I have this respond because moral

274
00:13:12,800 --> 00:13:16,960
Speaker 2: responsibility to yeah, and also you got to support.

275
00:13:17,360 --> 00:13:19,120
Speaker 1: Yeah, these kind of thing that way, these things come

276
00:13:19,160 --> 00:13:21,280
Speaker 1: out more. And I'm just like, thank God for Ava,

277
00:13:21,360 --> 00:13:22,880
Speaker 1: Like this is like this is, you know, not her

278
00:13:22,880 --> 00:13:26,160
Speaker 1: first time doing things like this. She had that other one.

279
00:13:25,880 --> 00:13:28,400
Speaker 2: Oh what was it called the thirteenth right.

280
00:13:28,320 --> 00:13:30,839
Speaker 1: Yes, she is some thirteen. I don't know it's called

281
00:13:30,840 --> 00:13:34,280
Speaker 1: the thirteenth or thirteen something, but yeah, that was another

282
00:13:34,320 --> 00:13:38,120
Speaker 1: one that that was similar as far as exposing you know,

283
00:13:38,200 --> 00:13:41,960
Speaker 1: what happens to black and brown folks and and you

284
00:13:42,000 --> 00:13:46,080
Speaker 1: know the overwhelming odds stacked against them. I just ooh,

285
00:13:46,200 --> 00:13:48,640
Speaker 1: like our current douchebag, I mean president, he took out

286
00:13:48,640 --> 00:13:53,640
Speaker 1: an eighty thousand dollars ad against these boys and advocated

287
00:13:53,679 --> 00:13:56,480
Speaker 1: for the death penalty for a fourteen year old. I

288
00:13:56,600 --> 00:13:59,960
Speaker 1: just but that's that's the deucebag president that y'all wanted.

289
00:14:00,080 --> 00:14:02,480
Speaker 1: Now you're all, but you know, you guys are broad ambition, but.

290
00:14:02,559 --> 00:14:05,080
Speaker 2: Nearly half of America did. That's reality.

291
00:14:05,160 --> 00:14:10,160
Speaker 1: That's crazy. Like just sometimes I'm just like, who, like

292
00:14:10,760 --> 00:14:12,760
Speaker 1: who are you? You know, do you ever just think that,

293
00:14:12,840 --> 00:14:17,360
Speaker 1: like I do not have children, do not you know

294
00:14:17,360 --> 00:14:19,640
Speaker 1: what I mean, like, do not have any to of conscience?

295
00:14:20,760 --> 00:14:21,200
Speaker 1: I just.

296
00:14:22,720 --> 00:14:25,880
Speaker 2: Yeah, it's about values. You know, when you when you're

297
00:14:25,920 --> 00:14:34,240
Speaker 2: someone who values notoriety and wealth and capitalism and personal

298
00:14:34,280 --> 00:14:38,680
Speaker 2: wealth and business over all else, I mean, that will

299
00:14:38,760 --> 00:14:40,920
Speaker 2: blind your judgment to a lot of other things, because

300
00:14:41,080 --> 00:14:44,280
Speaker 2: why why fixed systems that were that were built to

301
00:14:44,360 --> 00:14:47,440
Speaker 2: make you rich? You know, like that is that's who

302
00:14:47,480 --> 00:14:49,680
Speaker 2: we have in office now. And it's not just at

303
00:14:49,720 --> 00:14:52,400
Speaker 2: the presidential level, but in a lot of ways. You know, yeah,

304
00:14:52,440 --> 00:14:56,440
Speaker 2: there's literally groups lobbying against any kind of reform because

305
00:14:56,960 --> 00:14:59,880
Speaker 2: you know, this is a system that has made you know,

306
00:15:00,080 --> 00:15:01,480
Speaker 2: that's better for a lot of people.

307
00:15:02,000 --> 00:15:04,960
Speaker 1: Yeah, it's just it just gets a little scary because

308
00:15:04,960 --> 00:15:07,160
Speaker 1: she's just like, wow, you know.

309
00:15:07,200 --> 00:15:09,160
Speaker 2: Aren't you gotta we have Kim Kardashian though.

310
00:15:09,520 --> 00:15:11,000
Speaker 1: Oh my gosh, s' gonna save us.

311
00:15:11,720 --> 00:15:14,640
Speaker 2: Ah, you know what, shout out to her for doing

312
00:15:14,640 --> 00:15:18,000
Speaker 2: something with her time that's not lip kits and you know,

313
00:15:18,160 --> 00:15:22,240
Speaker 2: button plans or whatever. But I gotta be like.

314
00:15:22,440 --> 00:15:24,080
Speaker 1: I will say though that they're like, there is a

315
00:15:24,120 --> 00:15:26,240
Speaker 1: sister that's been really doing like the legwork. Obviously we

316
00:15:26,280 --> 00:15:28,800
Speaker 1: all know Kim Kardashian is not a lawyer, but I

317
00:15:29,160 --> 00:15:32,560
Speaker 1: like someone was like, whatever, she's getting all the accolades,

318
00:15:32,560 --> 00:15:34,600
Speaker 1: but really it's the sister behind the scenes that's really

319
00:15:34,640 --> 00:15:36,240
Speaker 1: doing the leg work. I don't think anyone's under the

320
00:15:36,280 --> 00:15:39,440
Speaker 1: illusion that Kim is like doing like the legwork. But

321
00:15:39,480 --> 00:15:42,760
Speaker 1: what she is doing is using her her fame and

322
00:15:42,800 --> 00:15:45,400
Speaker 1: shining a light on things that that sister probably was

323
00:15:45,400 --> 00:15:47,600
Speaker 1: doing all his work for and nobody cared. So I'll

324
00:15:47,640 --> 00:15:50,920
Speaker 1: take it. Shoot, you know, like you're right, you know,

325
00:15:51,720 --> 00:15:54,080
Speaker 1: it could be like you said, she could be. I mean,

326
00:15:54,120 --> 00:15:56,520
Speaker 1: we have enough lip kits and we have enough you know,

327
00:15:56,520 --> 00:15:58,440
Speaker 1: booty shots of her, and you know she could just

328
00:15:58,480 --> 00:16:01,080
Speaker 1: be like, well, who cares my problem? I'm gonna be

329
00:16:01,160 --> 00:16:04,120
Speaker 1: rich regardless, you know, but she hasn't, you know, so

330
00:16:04,640 --> 00:16:07,480
Speaker 1: I don't need her to write the brief and to

331
00:16:07,840 --> 00:16:09,840
Speaker 1: you know, but the fact that she can get into

332
00:16:09,920 --> 00:16:13,000
Speaker 1: rooms that other folks cannot, then, you know, and if

333
00:16:13,040 --> 00:16:14,840
Speaker 1: you're going to if you're going to have this kind

334
00:16:14,840 --> 00:16:17,360
Speaker 1: of like fame and infamy, then use it. And she is.

335
00:16:17,400 --> 00:16:19,440
Speaker 1: So I'm like, whatever, good on her.

336
00:16:19,720 --> 00:16:24,960
Speaker 2: We'll take it. And that is your buzzworthy news update

337
00:16:25,040 --> 00:16:26,480
Speaker 2: for the week. I hope you feel prepared.

338
00:16:28,920 --> 00:16:30,720
Speaker 1: Just random like house upding. Why. I went to the

339
00:16:30,720 --> 00:16:32,360
Speaker 1: house and they like, hey, everything's going, get you guys done.

340
00:16:32,400 --> 00:16:36,320
Speaker 1: What's done? The main main line waterline, I don't know

341
00:16:36,360 --> 00:16:38,160
Speaker 1: what they call it is backed up. I'm like, what

342
00:16:38,200 --> 00:16:40,760
Speaker 1: does that mean. They're like, somebody has to we have

343
00:16:40,760 --> 00:16:42,800
Speaker 1: to get an industrial snake. I'm like, what does that mean?

344
00:16:43,000 --> 00:16:44,840
Speaker 2: Oh, like a sewer lines what that?

345
00:16:45,000 --> 00:16:45,240
Speaker 1: Yeah?

346
00:16:45,360 --> 00:16:47,400
Speaker 2: Like Yumi, I.

347
00:16:47,440 --> 00:16:50,480
Speaker 1: Was like, so what does that mean? And so I

348
00:16:50,560 --> 00:16:53,200
Speaker 1: call this thing called roller router. I guess they bring

349
00:16:53,240 --> 00:16:55,680
Speaker 1: this like industrial snake and they like, you know, basically

350
00:16:56,800 --> 00:16:59,040
Speaker 1: push whatever it is. Because at one point before we

351
00:16:59,040 --> 00:17:01,680
Speaker 1: bought the house, it was it was bacant for years,

352
00:17:01,680 --> 00:17:03,760
Speaker 1: so like it dries up in like the pipe, I guess,

353
00:17:04,280 --> 00:17:07,840
Speaker 1: I don't know. So anyway, three hundred and fifty dollars.

354
00:17:07,600 --> 00:17:11,000
Speaker 2: Later, oh you know, but aren't you at the point

355
00:17:11,000 --> 00:17:12,760
Speaker 2: where that doesn't seem like that much money because you're

356
00:17:12,760 --> 00:17:14,720
Speaker 2: like so diluted by the cross of everything.

357
00:17:15,119 --> 00:17:18,280
Speaker 1: I know, Okay, just take my money. I don't even,

358
00:17:18,800 --> 00:17:22,560
Speaker 1: I don't even. It's fine, yeah, fine, so yeah, but yeah,

359
00:17:22,680 --> 00:17:24,920
Speaker 1: those days, I'm just like, we're so coold. I've learned

360
00:17:24,960 --> 00:17:26,879
Speaker 1: to just be like, you know, whatever comms it comes,

361
00:17:26,880 --> 00:17:28,239
Speaker 1: and we'll be able to handle it.

362
00:17:28,320 --> 00:17:30,919
Speaker 2: So I'm such an idiot. Although maybe I feel like

363
00:17:30,960 --> 00:17:32,560
Speaker 2: this has happened. I don't know if you've ever used.

364
00:17:32,640 --> 00:17:36,240
Speaker 2: I love Thosechlorox toilet wands, like the disposable ones that

365
00:17:36,280 --> 00:17:39,919
Speaker 2: you because I think toilet brushes are so freaking disgusting,

366
00:17:40,160 --> 00:17:42,000
Speaker 2: like to have a toilet brush in your bathroom at

367
00:17:42,000 --> 00:17:43,800
Speaker 2: all times that you use for the toilet and just

368
00:17:43,800 --> 00:17:46,160
Speaker 2: like sitting there on the floor, it grosses me out.

369
00:17:46,240 --> 00:17:49,000
Speaker 2: So the toilet WANs, you know, you like pop the

370
00:17:49,040 --> 00:17:51,600
Speaker 2: little the little the new wand head on and you

371
00:17:51,640 --> 00:17:53,879
Speaker 2: scrub your toilet and then when you're done, you have

372
00:17:53,960 --> 00:17:56,119
Speaker 2: a little button and an injects into the trash. Can

373
00:17:56,680 --> 00:18:00,159
Speaker 2: somehow my idiotself right when I flush the toilet, I

374
00:18:00,160 --> 00:18:05,080
Speaker 2: accidentally ejected the the wand head into the toilet, so

375
00:18:05,480 --> 00:18:07,720
Speaker 2: it has been clogged all week because there's like a

376
00:18:07,760 --> 00:18:12,800
Speaker 2: toilet head like somewhere in the drain. So I was like, Husbie,

377
00:18:12,960 --> 00:18:17,879
Speaker 2: your first plumbing project, and he's been researching, what.

378
00:18:17,920 --> 00:18:20,840
Speaker 1: Did you maybe get a snake like the like these

379
00:18:20,880 --> 00:18:21,240
Speaker 1: we wore.

380
00:18:21,240 --> 00:18:24,120
Speaker 2: One snakes work for that? I mean, he's he's researching.

381
00:18:24,200 --> 00:18:27,119
Speaker 2: I think because I've have a history, I realized this

382
00:18:27,200 --> 00:18:29,560
Speaker 2: of like flushing random things down the toy My mom

383
00:18:29,600 --> 00:18:32,560
Speaker 2: swears I used to flush power Ranger toys down the toilet,

384
00:18:32,560 --> 00:18:35,480
Speaker 2: and I was kidd yeah. And then one time, I

385
00:18:35,480 --> 00:18:38,040
Speaker 2: don't think my roommate, my ex roommate listens to this podcast,

386
00:18:38,080 --> 00:18:41,680
Speaker 2: but it was me, Ellie, I flushed your glasses down

387
00:18:41,720 --> 00:18:44,399
Speaker 2: the toilet that at one time, and I did it.

388
00:18:44,840 --> 00:18:47,320
Speaker 2: I just they were like behind me on the ledge

389
00:18:47,359 --> 00:18:49,320
Speaker 2: and I got up and they fell in. At the

390
00:18:49,400 --> 00:18:51,320
Speaker 2: corner of my eye, I saw something and I was

391
00:18:51,359 --> 00:18:54,160
Speaker 2: like with those glasses, but I was never one hundred

392
00:18:54,200 --> 00:18:57,040
Speaker 2: percent sure. So when the toilet got backed up, I

393
00:18:57,119 --> 00:18:59,720
Speaker 2: was like, I don't know for sure what was there?

394
00:18:59,760 --> 00:19:02,240
Speaker 2: And then she was like, where are my glasses? So weird?

395
00:19:02,840 --> 00:19:05,320
Speaker 2: And then finally our super drained our toilet and took

396
00:19:05,320 --> 00:19:08,800
Speaker 2: apart the little like spendy thing and he was like, oh,

397
00:19:08,960 --> 00:19:12,600
Speaker 2: look so funny. Here are these bent up glasses. And

398
00:19:12,680 --> 00:19:17,000
Speaker 2: I never responsibility. I was too deep for the lie.

399
00:19:17,800 --> 00:19:19,560
Speaker 1: It's too like, I can't go back now.

400
00:19:20,400 --> 00:19:22,639
Speaker 2: She probably knew it was me, but uh, that's my

401
00:19:22,720 --> 00:19:25,120
Speaker 2: confession anyway. Don't let me need your toilets.

402
00:19:27,280 --> 00:19:29,399
Speaker 1: But yeah, so I was just like, whatever, just finish,

403
00:19:29,800 --> 00:19:33,000
Speaker 1: so getting closer, getting closer. So those are things like

404
00:19:33,119 --> 00:19:36,000
Speaker 1: it's poor poor Drina. She was like, oh they had

405
00:19:36,000 --> 00:19:38,000
Speaker 1: a gas leak. She just bought a house too. She's like,

406
00:19:38,160 --> 00:19:40,640
Speaker 1: is this life? I feel like every week we're comparing

407
00:19:40,760 --> 00:19:44,160
Speaker 1: like oh really we're broke. Oh me too. So it's

408
00:19:44,240 --> 00:19:46,320
Speaker 1: like I gotta get Yeah, now that scary. And I

409
00:19:46,359 --> 00:19:48,320
Speaker 1: was like, you gotta get your mom gas nose up.

410
00:19:48,440 --> 00:19:49,959
Speaker 1: You know how moms can smell gas from like ten

411
00:19:50,000 --> 00:19:50,800
Speaker 1: thousand miles away.

412
00:19:51,440 --> 00:19:52,760
Speaker 2: I didn't know that. Is that a thing?

413
00:19:53,320 --> 00:19:55,159
Speaker 1: Yeah, like mom's would be like I smell gas. My

414
00:19:55,160 --> 00:19:56,800
Speaker 1: mom used to always be like I feel like every

415
00:19:56,800 --> 00:19:59,000
Speaker 1: mom I know I smell gas. I smell gas. I

416
00:19:59,000 --> 00:20:01,600
Speaker 1: remember one of my mom's the gas leak a block away.

417
00:20:02,000 --> 00:20:03,520
Speaker 1: She's like, I s no gas. I'm like, mommy, there's

418
00:20:03,560 --> 00:20:05,520
Speaker 1: no gas in the house. And it wasn't. So she

419
00:20:05,600 --> 00:20:08,040
Speaker 1: called the gas company and they checked. She's like no,

420
00:20:08,119 --> 00:20:10,320
Speaker 1: she was insistent, and sure enough there were actually was

421
00:20:10,320 --> 00:20:12,600
Speaker 1: a gas leak, not in the house, but like I

422
00:20:12,600 --> 00:20:14,520
Speaker 1: guess in the street or something like that, like a

423
00:20:15,040 --> 00:20:17,040
Speaker 1: like a block or so down. I was like, how

424
00:20:17,160 --> 00:20:19,399
Speaker 1: you know what, I just I have to bow down

425
00:20:19,440 --> 00:20:20,120
Speaker 1: to the mom nose.

426
00:20:20,440 --> 00:20:21,560
Speaker 2: That's like a superpower.

427
00:20:21,880 --> 00:20:24,880
Speaker 1: It is a superpower. It's no gas.

428
00:20:25,680 --> 00:20:28,080
Speaker 2: Homeowners insurance, man, gotta get that Gico?

429
00:20:28,280 --> 00:20:31,040
Speaker 1: Yeah, for real? Is that what you have? You have Geico?

430
00:20:31,320 --> 00:20:33,399
Speaker 2: I don't know, it just it just went well with

431
00:20:33,520 --> 00:20:34,200
Speaker 2: gotta get.

432
00:20:35,600 --> 00:20:37,679
Speaker 1: Yeah. But now homeowners insurance for sure? For sure, you

433
00:20:37,680 --> 00:20:38,440
Speaker 1: definitely want that.

434
00:20:39,080 --> 00:20:41,879
Speaker 2: Yeah, you know, like under insured under we could do

435
00:20:41,880 --> 00:20:44,000
Speaker 2: a whole episode of insurance because I feel like one

436
00:20:44,040 --> 00:20:46,439
Speaker 2: of the biggest people don't think about insurance as like

437
00:20:46,440 --> 00:20:48,680
Speaker 2: a part of their financial planning. They think about investing

438
00:20:48,800 --> 00:20:52,800
Speaker 2: and saving. But insurance, baby, that is where the true

439
00:20:53,240 --> 00:20:56,760
Speaker 2: like life insurance, home insurance, that's where the true protection

440
00:20:56,960 --> 00:20:58,760
Speaker 2: is at. So you need. I don't think you can't

441
00:20:58,760 --> 00:21:01,560
Speaker 2: even get a mortgage without home insurance, so that's not

442
00:21:01,640 --> 00:21:05,199
Speaker 2: a question. You just gotta shop around and find the

443
00:21:05,240 --> 00:21:11,000
Speaker 2: right policy exactly how you Well, you'll be in soon enough,

444
00:21:11,000 --> 00:21:12,040
Speaker 2: fear not. Don't worry.

445
00:21:12,560 --> 00:21:14,119
Speaker 1: Yeah no, at this twint you know, you just be

446
00:21:14,160 --> 00:21:16,280
Speaker 1: like whatever, I'm just going to flow these days.

447
00:21:17,480 --> 00:21:19,920
Speaker 2: Fingers crossed. All right, let's take a quick break and

448
00:21:19,920 --> 00:21:54,880
Speaker 2: it'll be right back to answer your questions, and we're back.

449
00:21:54,920 --> 00:21:56,000
Speaker 2: Ready for some questions.

450
00:21:57,160 --> 00:21:59,439
Speaker 1: Yes, I'm ready for someome questions.

451
00:22:00,600 --> 00:22:04,640
Speaker 2: I went to my DMS where you guys grammed me

452
00:22:04,720 --> 00:22:08,119
Speaker 2: some questions. Thank you for all your questions. I was

453
00:22:08,160 --> 00:22:10,520
Speaker 2: just laughing because I'm like, damn, no one sends email anymore.

454
00:22:10,520 --> 00:22:14,879
Speaker 2: It's all grams like Instagram messages. That's fine, more than fine,

455
00:22:14,920 --> 00:22:19,119
Speaker 2: as long as you are specific. Let's see. So first

456
00:22:19,200 --> 00:22:23,720
Speaker 2: question comes from listeners Stefania, which is really fun to say,

457
00:22:24,040 --> 00:22:26,720
Speaker 2: and she has a question about she has a question

458
00:22:26,760 --> 00:22:30,400
Speaker 2: about credit card debt. Let's see. All right, Hello ladies,

459
00:22:30,400 --> 00:22:33,080
Speaker 2: my name is Stefana from California. I love listening every

460
00:22:33,080 --> 00:22:36,440
Speaker 2: Wednesday and need some advice. I currently have about thirteen

461
00:22:36,480 --> 00:22:38,560
Speaker 2: thousand dollars in credit card debt, and I want to

462
00:22:38,600 --> 00:22:41,480
Speaker 2: figure out the best way to pay all these cards

463
00:22:41,520 --> 00:22:45,119
Speaker 2: off while improving my credit and reducing the hundreds of

464
00:22:45,240 --> 00:22:49,439
Speaker 2: dollars in interest i'm giving away each month. All of

465
00:22:49,440 --> 00:22:52,119
Speaker 2: my credit cards right now have really high interest rates

466
00:22:52,160 --> 00:22:56,399
Speaker 2: of more than twenty five percent ouch. So my question

467
00:22:56,520 --> 00:22:58,880
Speaker 2: is how do I handle this? Should I pay one

468
00:22:58,920 --> 00:23:01,040
Speaker 2: card off at a time, or should I try to

469
00:23:01,040 --> 00:23:04,600
Speaker 2: get them to where they're all down to thirty percent utilization? Oh,

470
00:23:04,640 --> 00:23:08,439
Speaker 2: someone's been listening. Yeah, since they all have around the

471
00:23:08,440 --> 00:23:11,200
Speaker 2: same interest rate right now, I'm just focusing on paying

472
00:23:11,240 --> 00:23:14,800
Speaker 2: the smallest amount. But the card that has over seventy

473
00:23:14,840 --> 00:23:18,400
Speaker 2: percent utilization rate is charging so much interest each month?

474
00:23:18,480 --> 00:23:20,840
Speaker 2: Please help? I hope this makes sense. So I sent

475
00:23:20,840 --> 00:23:22,760
Speaker 2: her a follow up question asking her what her credit

476
00:23:22,760 --> 00:23:25,800
Speaker 2: score is, because it's actually really important to know it is,

477
00:23:26,080 --> 00:23:28,040
Speaker 2: and her credit score is actually really good, she says.

478
00:23:28,200 --> 00:23:30,680
Speaker 2: At the time she sent the message, it was six' eighty,

479
00:23:30,680 --> 00:23:32,159
Speaker 2: but now it's up to seven fifty.

480
00:23:32,640 --> 00:23:33,639
Speaker 1: Okay, that's great.

481
00:23:34,160 --> 00:23:37,399
Speaker 2: That happened because she said she paid off one of

482
00:23:37,440 --> 00:23:41,400
Speaker 2: the higher balance cards and that lowered her utilization rate,

483
00:23:41,440 --> 00:23:43,359
Speaker 2: which caused her a score to jump. What do you say,

484
00:23:43,480 --> 00:23:47,879
Speaker 2: jump like Jordan's jump up points. That's huge.

485
00:23:47,880 --> 00:23:49,840
Speaker 1: That is huge, It's huge.

486
00:23:50,480 --> 00:23:52,399
Speaker 2: So that's just supposed to show you can still have

487
00:23:52,480 --> 00:23:54,359
Speaker 2: credit card debt and have really high credit as long

488
00:23:54,359 --> 00:23:57,600
Speaker 2: as you're making your payments on time. But making your

489
00:23:57,600 --> 00:24:00,400
Speaker 2: payments on time, and you know that debt, you're paying

490
00:24:00,400 --> 00:24:03,679
Speaker 2: twenty five percent interest rate on fourteen thousand dollars to

491
00:24:03,800 --> 00:24:05,880
Speaker 2: keep that high credit score and make your payments on time,

492
00:24:05,880 --> 00:24:07,920
Speaker 2: You're gonna be paying for years to come if you don't,

493
00:24:08,160 --> 00:24:09,280
Speaker 2: if you don't handle it.

494
00:24:09,760 --> 00:24:11,920
Speaker 1: Yeah, I I'm glad you asked her about the the

495
00:24:13,160 --> 00:24:16,439
Speaker 1: her credit score, because if it was me, what's her

496
00:24:16,520 --> 00:24:20,360
Speaker 1: name again, Stefania Stefaniya, I forgot. I want a beautiful name.

497
00:24:20,960 --> 00:24:24,760
Speaker 1: I would the one that had the highest utilization, like

498
00:24:24,800 --> 00:24:28,120
Speaker 1: you know whatever, you're using seventy five percent. I would

499
00:24:28,280 --> 00:24:32,000
Speaker 1: look to possibly open up a card and do like

500
00:24:32,440 --> 00:24:37,080
Speaker 1: a rollover so lending Tree, Mandy's place, and that's what

501
00:24:37,119 --> 00:24:39,320
Speaker 1: I did, like when I was looking for myself, when

502
00:24:39,359 --> 00:24:41,480
Speaker 1: I wanted to like roll over, because if you've got

503
00:24:41,480 --> 00:24:43,560
Speaker 1: decent credit, and even though I know a lot of

504
00:24:43,840 --> 00:24:45,960
Speaker 1: financial groups are like, don't get debt to get out

505
00:24:45,960 --> 00:24:50,119
Speaker 1: of debt, whatever, you know, because you can potentially, especially

506
00:24:50,119 --> 00:24:54,160
Speaker 1: if you've got great credit, you can likely qualify for

507
00:24:54,280 --> 00:24:55,840
Speaker 1: a Oh is it just.

508
00:24:55,800 --> 00:24:57,080
Speaker 2: Getting my mailance transfer?

509
00:24:57,600 --> 00:25:00,480
Speaker 1: Thank you? I was like, goodness, old lady coup a

510
00:25:00,560 --> 00:25:03,879
Speaker 1: balance transfer card, which typically if you've got great credit.

511
00:25:03,960 --> 00:25:05,960
Speaker 1: I had such good credit when I first did this

512
00:25:06,080 --> 00:25:08,119
Speaker 1: that I was able to get a balance transfer card

513
00:25:08,240 --> 00:25:10,840
Speaker 1: where I could pay zero percent interest. It was nearly

514
00:25:10,880 --> 00:25:13,800
Speaker 1: two years, so usually it'll be anywhere from six months

515
00:25:13,800 --> 00:25:16,440
Speaker 1: typically to a year. But if you got great credit,

516
00:25:16,520 --> 00:25:18,680
Speaker 1: which you do, because seven fifty is the beginning of

517
00:25:18,720 --> 00:25:21,280
Speaker 1: perfect credit, that you might be able to get even longer.

518
00:25:21,320 --> 00:25:24,879
Speaker 1: You're a zero percent interest extended to you. So what

519
00:25:24,920 --> 00:25:27,040
Speaker 1: that means is, now, let's just say you owe seven

520
00:25:27,080 --> 00:25:29,719
Speaker 1: thousand dollars on that card and you're able to get Now,

521
00:25:29,760 --> 00:25:31,840
Speaker 1: you want to be mindful because they might not give

522
00:25:31,840 --> 00:25:34,800
Speaker 1: you a limit of seven thousand dollars. I usually try

523
00:25:34,800 --> 00:25:36,760
Speaker 1: to ask ahead of time, and sometimes they're like hedgy

524
00:25:36,800 --> 00:25:39,280
Speaker 1: about it, but still ask like, what do you think

525
00:25:39,280 --> 00:25:42,639
Speaker 1: I'm going to be qualified for? Roll over that amount

526
00:25:42,640 --> 00:25:44,359
Speaker 1: from one card to the next, so that way you

527
00:25:44,400 --> 00:25:47,080
Speaker 1: can then focus on that one card and getting it

528
00:25:47,200 --> 00:25:49,640
Speaker 1: paid off, because you know that all your money's going

529
00:25:49,720 --> 00:25:53,200
Speaker 1: directly to the principle, So I would I would look

530
00:25:53,240 --> 00:25:55,400
Speaker 1: to do that, definitely a balanced transfer for at least

531
00:25:55,480 --> 00:26:00,480
Speaker 1: one of those cards, and I would use this snowball method,

532
00:26:00,760 --> 00:26:03,960
Speaker 1: especially since your interest rates are pretty much all the same.

533
00:26:04,400 --> 00:26:06,800
Speaker 1: I would pay off the card with the new zero

534
00:26:06,880 --> 00:26:10,000
Speaker 1: percent interest rate. Like when you do the slowball method,

535
00:26:10,200 --> 00:26:12,840
Speaker 1: you kind of like line your cards up in priority,

536
00:26:12,920 --> 00:26:15,359
Speaker 1: and you pay one card at a time while paying

537
00:26:15,400 --> 00:26:18,080
Speaker 1: the minimum to the others, and just really focus your

538
00:26:18,119 --> 00:26:20,720
Speaker 1: time and energy on that one card. And then once

539
00:26:20,760 --> 00:26:23,320
Speaker 1: that card is paid off, you take its minimum the

540
00:26:23,359 --> 00:26:25,120
Speaker 1: extra money you were paying it and put it toward

541
00:26:25,160 --> 00:26:28,000
Speaker 1: the next card on your list. And so if that

542
00:26:28,040 --> 00:26:30,720
Speaker 1: card gets the first card's minimum, it's minimum and the

543
00:26:30,840 --> 00:26:32,760
Speaker 1: extra money, and when it's paid off, you roll it

544
00:26:32,800 --> 00:26:34,400
Speaker 1: over to the next card, and before you know it,

545
00:26:35,280 --> 00:26:37,280
Speaker 1: you know your credit card debt free. That's how I

546
00:26:37,320 --> 00:26:39,320
Speaker 1: paid off. I think I was thirty five thousand dollars

547
00:26:39,320 --> 00:26:42,440
Speaker 1: in credit card debt. This is post recession. I didn't

548
00:26:42,440 --> 00:26:44,600
Speaker 1: really have a job. It took me about two and

549
00:26:44,600 --> 00:26:46,840
Speaker 1: a half years, and I didn't have a job like

550
00:26:46,880 --> 00:26:50,320
Speaker 1: I'd never after the recession. I never got another real

551
00:26:50,400 --> 00:26:53,160
Speaker 1: job again. I had unemployment and I was like babysitting

552
00:26:53,200 --> 00:26:55,680
Speaker 1: and tutoring and stuff like that, and I was able

553
00:26:55,680 --> 00:26:57,400
Speaker 1: to pay that off in about two and a half year.

554
00:26:57,480 --> 00:27:01,200
Speaker 1: So it's the snowball method really does work, especially if

555
00:27:01,200 --> 00:27:02,680
Speaker 1: you use balance transfers.

556
00:27:03,040 --> 00:27:06,320
Speaker 2: Yeah, I agree one thousand percent. The only thing with

557
00:27:06,320 --> 00:27:09,200
Speaker 2: the balance transfer. Just a couple of things to watch

558
00:27:09,200 --> 00:27:12,639
Speaker 2: out for is don't make the mistake of taking a

559
00:27:12,720 --> 00:27:15,560
Speaker 2: vacation because oh, you're like, I just I've caught myself

560
00:27:15,600 --> 00:27:17,720
Speaker 2: a break. You know, I'm not paying twenty five percent

561
00:27:17,720 --> 00:27:19,880
Speaker 2: interests on this card anymore because I roll the balance

562
00:27:19,880 --> 00:27:23,840
Speaker 2: over on this new card and stop paying down the debt.

563
00:27:23,920 --> 00:27:27,240
Speaker 2: Because eventually that balance transfer deal will end, and you've

564
00:27:27,240 --> 00:27:29,240
Speaker 2: got to make a plan to pay it off before

565
00:27:29,280 --> 00:27:32,760
Speaker 2: it does. What can happen if you don't finish paying

566
00:27:32,760 --> 00:27:35,960
Speaker 2: off your balance transfer card before the promo period ends

567
00:27:36,359 --> 00:27:38,520
Speaker 2: is that one a new much higher and you can

568
00:27:38,560 --> 00:27:40,880
Speaker 2: believe it's gonna be much higher interest rate will start applying,

569
00:27:40,920 --> 00:27:45,159
Speaker 2: probably in the high twenty percent range that seems to

570
00:27:45,160 --> 00:27:48,680
Speaker 2: be the norm these days. And two, some cards may

571
00:27:48,720 --> 00:27:52,040
Speaker 2: have a deferred interest clause, which means they will go

572
00:27:52,160 --> 00:27:54,320
Speaker 2: back to the very first day you start, you open

573
00:27:54,400 --> 00:27:56,679
Speaker 2: that card and act as if you should have been

574
00:27:56,720 --> 00:27:59,600
Speaker 2: paying interest the whole time, and they will throw that

575
00:27:59,640 --> 00:28:03,400
Speaker 2: interest charge for the entire amount you transferred onto your balance,

576
00:28:03,440 --> 00:28:05,960
Speaker 2: which just puts you back in a bad spot. So,

577
00:28:07,160 --> 00:28:09,600
Speaker 2: you know, sometimes you may feel like, Okay, it's not

578
00:28:09,640 --> 00:28:12,560
Speaker 2: going to be I can make aggressive payments, you know,

579
00:28:12,960 --> 00:28:15,320
Speaker 2: over this twelve month period, but I won't be able

580
00:28:15,359 --> 00:28:17,040
Speaker 2: to pay it off in time. Just make sure that

581
00:28:17,080 --> 00:28:20,160
Speaker 2: you're keeping your credit score high because like a few

582
00:28:20,200 --> 00:28:22,840
Speaker 2: weeks before that promo period ends, you can apply for

583
00:28:22,880 --> 00:28:25,800
Speaker 2: another balance transfer and you know, take advantage of another

584
00:28:25,840 --> 00:28:28,080
Speaker 2: offer and like carry it over them. That way, you

585
00:28:28,200 --> 00:28:30,880
Speaker 2: just really got to stay on top of it. If

586
00:28:30,880 --> 00:28:33,639
Speaker 2: you want an option that doesn't have that risk of

587
00:28:33,760 --> 00:28:36,840
Speaker 2: you know, deferred interest or you know, the risk that

588
00:28:36,920 --> 00:28:38,440
Speaker 2: you won't pay it off in time and then you'll

589
00:28:38,440 --> 00:28:41,800
Speaker 2: get hit with you know, double digit interest again, you

590
00:28:41,800 --> 00:28:44,040
Speaker 2: could do a balance transfer and get that zero percent

591
00:28:44,080 --> 00:28:47,400
Speaker 2: intro that promo APR for you know, twelve months. Like

592
00:28:47,440 --> 00:28:49,880
Speaker 2: I said, we'll keep the same example. And then if

593
00:28:49,920 --> 00:28:52,360
Speaker 2: you think you're not going to pay it off and

594
00:28:52,440 --> 00:28:55,520
Speaker 2: you maybe you won't qualify for another zero percent APR

595
00:28:55,720 --> 00:28:59,480
Speaker 2: or you want a longer term, a longer amount of

596
00:28:59,480 --> 00:29:02,600
Speaker 2: time to pay it back. You can look into applying

597
00:29:02,640 --> 00:29:06,160
Speaker 2: for a small personal loan and using that loan, like

598
00:29:06,200 --> 00:29:08,560
Speaker 2: through a credit union or an online lender, to pay

599
00:29:08,600 --> 00:29:11,280
Speaker 2: off the rest of your debt. And the beauty of

600
00:29:11,280 --> 00:29:13,400
Speaker 2: a personal loan is that if you have high credit,

601
00:29:13,400 --> 00:29:15,520
Speaker 2: you can get a decent rate usually, especially if you

602
00:29:15,560 --> 00:29:17,680
Speaker 2: go to a credit union. It's not going to be

603
00:29:17,800 --> 00:29:20,520
Speaker 2: zero percent like a balance transfer, but it's a fixed rate,

604
00:29:20,600 --> 00:29:22,800
Speaker 2: which means it won't go up or down. And it's

605
00:29:22,800 --> 00:29:26,200
Speaker 2: a fixed term, which means you know exactly how long

606
00:29:26,320 --> 00:29:28,200
Speaker 2: you have to pay back the debt. It's all baked

607
00:29:28,200 --> 00:29:31,120
Speaker 2: into your your monthly payment, and it's just like a

608
00:29:31,160 --> 00:29:35,400
Speaker 2: structured way to pay off that balance. So just take

609
00:29:35,440 --> 00:29:38,080
Speaker 2: all that into consideration. You know, if you want to

610
00:29:38,080 --> 00:29:41,920
Speaker 2: consult an expert, you know, that's always a good idea too.

611
00:29:42,280 --> 00:29:45,800
Speaker 2: But that thirteen thousand dollars, you know, if you really

612
00:29:45,840 --> 00:29:49,680
Speaker 2: work aggressively and you take advantage of the offers that

613
00:29:49,720 --> 00:29:52,440
Speaker 2: are available to you because you have good credit, I

614
00:29:52,480 --> 00:29:55,200
Speaker 2: feel like you can you can definitely tackle it and

615
00:29:55,240 --> 00:29:57,440
Speaker 2: pay way less than what you're paying now in interest.

616
00:29:57,880 --> 00:29:59,800
Speaker 1: Exactly. You can do it, believe me. You can de

617
00:30:00,160 --> 00:30:01,800
Speaker 1: that you got your credit score to where it is

618
00:30:01,840 --> 00:30:03,959
Speaker 1: now and you paid off a card already. Lets us

619
00:30:04,000 --> 00:30:07,000
Speaker 1: know that you are already in the game. Booboo. You starting

620
00:30:07,400 --> 00:30:08,240
Speaker 1: just got to continue.

621
00:30:09,040 --> 00:30:13,560
Speaker 2: Well, thank you for your questions, Stefania. All right, let's see.

622
00:30:13,640 --> 00:30:16,600
Speaker 2: So what's take another one from the Graham. This one

623
00:30:16,640 --> 00:30:20,080
Speaker 2: is from oh so, this one wants to remain anonymous. Oh,

624
00:30:20,080 --> 00:30:22,360
Speaker 2: I need like a Instagram intern. Where did it go?

625
00:30:24,440 --> 00:30:24,560
Speaker 3: Oh?

626
00:30:24,600 --> 00:30:27,480
Speaker 2: Here it is? Okay? Hey, hey, hey ladies. I love

627
00:30:27,600 --> 00:30:29,760
Speaker 2: the show. I love to be anonymous. I have a

628
00:30:29,840 --> 00:30:32,040
Speaker 2: question that is not quite money related, but has to

629
00:30:32,040 --> 00:30:35,000
Speaker 2: deal with advancing in my current position at work. I

630
00:30:35,040 --> 00:30:37,760
Speaker 2: work in finance, so I deal with pretty much all

631
00:30:37,840 --> 00:30:40,640
Speaker 2: the departments in the office. There is an employee that

632
00:30:40,720 --> 00:30:42,840
Speaker 2: works in one department that is not fond of me.

633
00:30:42,920 --> 00:30:45,760
Speaker 2: For whatever reason. We used to speak, but not anymore.

634
00:30:46,360 --> 00:30:49,000
Speaker 2: My boss says I should try to rekindle our relationships

635
00:30:49,000 --> 00:30:51,200
Speaker 2: since I want to try to move up into management.

636
00:30:51,400 --> 00:30:53,520
Speaker 2: He says, being in management, you will have to learn

637
00:30:53,560 --> 00:30:56,000
Speaker 2: to deal with people you don't like. I don't want

638
00:30:56,000 --> 00:30:58,840
Speaker 2: to put my energy towards it. Though our office is small,

639
00:30:58,880 --> 00:31:00,800
Speaker 2: and she has made it known that he doesn't like me.

640
00:31:01,400 --> 00:31:03,440
Speaker 2: Do you guys really think something like this would be

641
00:31:03,520 --> 00:31:06,520
Speaker 2: reason for upper management to not promote me. I do

642
00:31:06,600 --> 00:31:08,800
Speaker 2: my job well and I get along with everyone else.

643
00:31:09,040 --> 00:31:11,920
Speaker 2: Do either of you have advice for a situation like this?

644
00:31:12,960 --> 00:31:18,560
Speaker 2: Thanks in advance. That's a really interesting question, and I

645
00:31:18,600 --> 00:31:20,040
Speaker 2: can I take lead on Yeah?

646
00:31:20,080 --> 00:31:22,360
Speaker 1: Please, I was gonna say, I literally have no It's

647
00:31:22,360 --> 00:31:25,040
Speaker 1: been so long since I'm like, I have no idea.

648
00:31:25,080 --> 00:31:29,240
Speaker 2: This is my territory. Back off, ooh, office corporate politics

649
00:31:29,240 --> 00:31:31,040
Speaker 2: my fave. So I run a team, I have a

650
00:31:31,040 --> 00:31:34,480
Speaker 2: bunch of I manage managers, I've promoted managers. I think

651
00:31:34,480 --> 00:31:36,800
Speaker 2: about promoting managers all the time and who I promote

652
00:31:36,800 --> 00:31:39,000
Speaker 2: and whatever. So I can tell you how I think

653
00:31:39,000 --> 00:31:41,880
Speaker 2: about this. I agree with your boss. It is important

654
00:31:41,920 --> 00:31:44,800
Speaker 2: to demonstrate if you want to be a leader, that

655
00:31:44,840 --> 00:31:48,680
Speaker 2: you can collaborate and work cross functionally. And I personally,

656
00:31:48,720 --> 00:31:50,800
Speaker 2: I was just having this conversation last week with someone

657
00:31:50,800 --> 00:31:53,120
Speaker 2: on my team because they were having issues with someone

658
00:31:53,120 --> 00:31:55,000
Speaker 2: else on the team who doesn't report to them, but

659
00:31:55,040 --> 00:31:57,960
Speaker 2: they have to work together. Sometimes it is the hardest

660
00:31:58,000 --> 00:32:02,520
Speaker 2: relationship to keep healthy and maintain when someone it's not

661
00:32:02,560 --> 00:32:05,200
Speaker 2: a clear direct report relationship, but you need something out

662
00:32:05,240 --> 00:32:09,360
Speaker 2: of that person, and you know, it seems like some somehow,

663
00:32:09,400 --> 00:32:11,360
Speaker 2: some way, you guys ended up in a negative space.

664
00:32:12,160 --> 00:32:14,280
Speaker 2: You know, forget about your promotion for a second. I

665
00:32:14,280 --> 00:32:17,000
Speaker 2: would encourage you just for like your own you know,

666
00:32:17,040 --> 00:32:20,360
Speaker 2: your own comfort comfort level at work, try to you know,

667
00:32:20,400 --> 00:32:23,080
Speaker 2: be the bigger person and try to mend that relationship.

668
00:32:23,120 --> 00:32:25,160
Speaker 2: Because I hate when you have tension with someone at

669
00:32:25,160 --> 00:32:27,320
Speaker 2: the office. It just kind of like, I don't know,

670
00:32:27,320 --> 00:32:29,840
Speaker 2: it puts that energy out into the world and people

671
00:32:29,960 --> 00:32:34,400
Speaker 2: tend to notice it. And personally, I in some ways

672
00:32:34,440 --> 00:32:37,480
Speaker 2: agree with your manager. I might think twice about promoting

673
00:32:37,520 --> 00:32:40,880
Speaker 2: someone if I see that they're not mature enough to

674
00:32:41,600 --> 00:32:43,280
Speaker 2: you know, at least try and put their best foot

675
00:32:43,320 --> 00:32:47,800
Speaker 2: forward with another colleague. Now, if this colleague, you know,

676
00:32:47,840 --> 00:32:50,800
Speaker 2: you try and put your best foot forward, you demonstrate

677
00:32:50,840 --> 00:32:53,680
Speaker 2: this to your manager, and still the other like you're

678
00:32:53,680 --> 00:32:56,600
Speaker 2: not getting anything in return on from the other side.

679
00:32:57,040 --> 00:32:59,480
Speaker 2: You know, I would express that to your manager, not

680
00:32:59,520 --> 00:33:01,640
Speaker 2: in a way that's like, well she won't talk to me,

681
00:33:01,760 --> 00:33:04,160
Speaker 2: or like in a blamey kind of childish way, but

682
00:33:04,320 --> 00:33:07,240
Speaker 2: show what steps you've taken, what efforts you made to

683
00:33:07,560 --> 00:33:10,160
Speaker 2: improve that relationship, so your manager at least knows that

684
00:33:10,480 --> 00:33:12,600
Speaker 2: you know, you put in good faith effort and you

685
00:33:12,640 --> 00:33:15,840
Speaker 2: really do care you and you want to try and

686
00:33:16,000 --> 00:33:19,440
Speaker 2: just just try and like you know, vent with your friends,

687
00:33:19,440 --> 00:33:23,120
Speaker 2: but try and just keep it cool, don't keep it

688
00:33:23,160 --> 00:33:24,959
Speaker 2: you know, try and keep your emotions out of that,

689
00:33:25,440 --> 00:33:27,880
Speaker 2: and don't let this person get in the way, you know,

690
00:33:28,640 --> 00:33:30,840
Speaker 2: of your own career advancement, which it sounds like they

691
00:33:30,840 --> 00:33:35,440
Speaker 2: could potentially be doing. Another thing I would say is

692
00:33:35,520 --> 00:33:38,520
Speaker 2: like one thing as a manager I've been asked to

693
00:33:38,520 --> 00:33:42,920
Speaker 2: do is to be like a conflict resolutionist, like a medium.

694
00:33:43,080 --> 00:33:45,360
Speaker 2: Like what do you call people who are like in

695
00:33:45,440 --> 00:33:48,920
Speaker 2: between moderator, a moderator, intermediary or whatnot.

696
00:33:49,360 --> 00:33:51,240
Speaker 1: It's not another word, but I can't say. I'm like

697
00:33:51,280 --> 00:33:52,240
Speaker 1: trying in my brain today.

698
00:33:52,280 --> 00:33:56,240
Speaker 2: But yeah, so if it if it's real mediator, a mediator, mediator, yeah,

699
00:33:56,280 --> 00:34:00,600
Speaker 2: thank you, peacemaker, professional peacemaker. So it's also your boss's

700
00:34:00,720 --> 00:34:03,680
Speaker 2: job a little bit to help remove roadblocks for you

701
00:34:03,760 --> 00:34:06,000
Speaker 2: for your own success and your own like the success

702
00:34:06,040 --> 00:34:07,640
Speaker 2: success of what you do every day. And if this

703
00:34:07,760 --> 00:34:10,719
Speaker 2: person is really a legitimate roadblock for you and you

704
00:34:10,800 --> 00:34:13,799
Speaker 2: have made your own best efforts to work better with

705
00:34:13,840 --> 00:34:16,760
Speaker 2: this person. I would, you know, ask your manager maybe

706
00:34:16,760 --> 00:34:18,759
Speaker 2: they can talk to this person's manager if they're on

707
00:34:18,800 --> 00:34:21,759
Speaker 2: the same level, and see if there's like a you know,

708
00:34:21,800 --> 00:34:24,719
Speaker 2: we can just have a meeting face to face and

709
00:34:24,800 --> 00:34:27,600
Speaker 2: just air things out. Honestly, Like once you sit down

710
00:34:27,600 --> 00:34:29,879
Speaker 2: with someone and you just like sit across from them

711
00:34:30,239 --> 00:34:32,240
Speaker 2: and you have like a neutral person in the middle

712
00:34:32,320 --> 00:34:37,000
Speaker 2: to play a referee, you'll see that like facade of

713
00:34:37,200 --> 00:34:39,840
Speaker 2: I don't like you, you know, that attitude just melt

714
00:34:39,880 --> 00:34:42,600
Speaker 2: away and it puts people on the spot and it

715
00:34:42,640 --> 00:34:45,319
Speaker 2: just it just like pops the tension bubble in the

716
00:34:45,320 --> 00:34:47,560
Speaker 2: first like five minutes. You know, I've just seen it happen,

717
00:34:48,080 --> 00:34:51,040
Speaker 2: and I think that can be a helpful, you know,

718
00:34:51,080 --> 00:34:52,160
Speaker 2: thing to do. And if it's not your if you

719
00:34:52,160 --> 00:34:54,239
Speaker 2: don't feel comfortable going into your boss, you know, if

720
00:34:54,280 --> 00:34:56,360
Speaker 2: it's really bad, it doesn't sound like it's that bad,

721
00:34:56,440 --> 00:34:58,720
Speaker 2: but if it were really toxic, you could go to HR.

722
00:34:59,160 --> 00:35:02,480
Speaker 2: You know, that's sometimes their job to play mediation if

723
00:35:02,520 --> 00:35:05,200
Speaker 2: there's an issue that can't be resolved. But I would

724
00:35:05,200 --> 00:35:08,879
Speaker 2: start with yourself. See if you can't you know, mend

725
00:35:08,920 --> 00:35:11,440
Speaker 2: fences or reduce that tension on your own, ask them

726
00:35:11,440 --> 00:35:15,359
Speaker 2: to coffee whatever. You might know the source of the

727
00:35:15,400 --> 00:35:17,960
Speaker 2: tension and you might want to, you know, see if

728
00:35:17,960 --> 00:35:21,279
Speaker 2: you can resolve it, and if not, ask your you know,

729
00:35:22,040 --> 00:35:24,879
Speaker 2: make those efforts, track them, make sure your boss knows,

730
00:35:24,920 --> 00:35:27,359
Speaker 2: and then ask them, you know, if they if they

731
00:35:27,400 --> 00:35:29,799
Speaker 2: recommend you guys have a sit down where you can

732
00:35:29,840 --> 00:35:32,319
Speaker 2: just clear the air together. I literally just did this

733
00:35:32,400 --> 00:35:36,279
Speaker 2: last week. I think it went pretty well and it

734
00:35:36,440 --> 00:35:40,640
Speaker 2: just yeah, like I said, it just reduces that tension. Yeah,

735
00:35:40,680 --> 00:35:42,800
Speaker 2: It's it's hard when you need something out of someone

736
00:35:42,800 --> 00:35:45,839
Speaker 2: else and they're not your direct report. It's it's much

737
00:35:45,880 --> 00:35:47,799
Speaker 2: more difficult and you've just got to like build those

738
00:35:47,840 --> 00:35:48,759
Speaker 2: good relationships.

739
00:35:49,560 --> 00:35:52,400
Speaker 1: I think it's great advice.

740
00:35:53,120 --> 00:35:58,000
Speaker 2: Thanks man, Thank you for your question. Anonymous. Good luck.

741
00:35:58,320 --> 00:36:01,399
Speaker 2: I want to hear back. Let me know how things

742
00:36:01,440 --> 00:36:09,760
Speaker 2: are going. Yeah, which I thought promotion. Okay, last question,

743
00:36:09,960 --> 00:36:12,400
Speaker 2: Let's get one more in here. This one is from

744
00:36:12,760 --> 00:36:14,600
Speaker 2: I don't know her name, but her Instagram name is

745
00:36:14,600 --> 00:36:16,520
Speaker 2: that NAC girl. This is a live question. She just

746
00:36:16,560 --> 00:36:19,480
Speaker 2: respond in to my follow up question. Yes, so, apparently

747
00:36:19,480 --> 00:36:20,880
Speaker 2: in the past on the show, you and I have

748
00:36:20,920 --> 00:36:25,560
Speaker 2: talked about the financial independence, retire early movement or fire

749
00:36:25,320 --> 00:36:29,720
Speaker 2: fire Fire, and I do I have. I have mentioned

750
00:36:29,760 --> 00:36:31,960
Speaker 2: how you know, in a lot of cases with these

751
00:36:32,000 --> 00:36:34,520
Speaker 2: stories of fire, you know, like this movement around fire.

752
00:36:35,600 --> 00:36:38,120
Speaker 2: I take issue a little bit with this, like with

753
00:36:38,160 --> 00:36:41,120
Speaker 2: the perception people are giving that they are retired early,

754
00:36:41,560 --> 00:36:43,520
Speaker 2: when what they're really doing is blogging about it and

755
00:36:43,520 --> 00:36:45,480
Speaker 2: making money off their blog and that's their new business

756
00:36:45,480 --> 00:36:47,680
Speaker 2: and that's how they're like retiring early. So that's like

757
00:36:47,719 --> 00:36:49,719
Speaker 2: my kind of my and I see this a lot

758
00:36:49,719 --> 00:36:52,200
Speaker 2: in the blogger community. So it's just like a little

759
00:36:52,239 --> 00:36:55,560
Speaker 2: bit of a pet peeve I have. So this person,

760
00:36:56,520 --> 00:36:59,240
Speaker 2: that NAC girl on Instagram sets just an avid listener.

761
00:36:59,400 --> 00:37:01,480
Speaker 2: She wants us, So please do an episode on why

762
00:37:01,560 --> 00:37:04,760
Speaker 2: Mandy gives a side eye to financial independence retire early,

763
00:37:05,920 --> 00:37:08,640
Speaker 2: Maybe interview someone from the community. I love the idea

764
00:37:09,000 --> 00:37:11,239
Speaker 2: of financial independence and I'm on my journey. I'm on

765
00:37:11,239 --> 00:37:13,840
Speaker 2: my journey. Maybe not all invested in the stock market

766
00:37:14,200 --> 00:37:16,360
Speaker 2: like a lot of them are, but a nice variation

767
00:37:16,640 --> 00:37:20,319
Speaker 2: of it. I wasn't sure about the idea and that

768
00:37:20,400 --> 00:37:22,480
Speaker 2: Mandy would talk about it later, but I haven't heard

769
00:37:22,640 --> 00:37:26,040
Speaker 2: it mentioned since I last listened to the show. So

770
00:37:26,840 --> 00:37:29,680
Speaker 2: thanks for calling me out. I hope, I hope. I

771
00:37:29,760 --> 00:37:31,319
Speaker 2: explained to you just my issue with it. I mean,

772
00:37:31,360 --> 00:37:34,920
Speaker 2: I'm all for people saving. I was just talking about

773
00:37:34,920 --> 00:37:35,920
Speaker 2: how I wanted to.

774
00:37:36,680 --> 00:37:40,240
Speaker 1: Ya full transparency, because who doesn't want to encourage somebody

775
00:37:40,239 --> 00:37:43,239
Speaker 1: to fire retire early. We want you to have financial independence,

776
00:37:43,800 --> 00:37:46,840
Speaker 1: but what we don't want is that you might be

777
00:37:46,960 --> 00:37:51,600
Speaker 1: thinking you're doing something wrong because someone else has has

778
00:37:52,480 --> 00:37:55,360
Speaker 1: what you perceive as financial independence, that they're not working

779
00:37:55,400 --> 00:37:58,279
Speaker 1: when they actually are, and then so you're trying to.

780
00:37:58,320 --> 00:38:01,279
Speaker 1: It's almost like the girls in the magazine that have

781
00:38:01,400 --> 00:38:03,319
Speaker 1: had work done in air brushing, and then you look

782
00:38:03,320 --> 00:38:04,799
Speaker 1: in the mirror and say, what's wrong with me? And

783
00:38:04,840 --> 00:38:08,200
Speaker 1: there's nothing because they don't even look like that. And

784
00:38:08,239 --> 00:38:10,400
Speaker 1: so that's what we're you know, we're just not wanting like, no,

785
00:38:10,440 --> 00:38:13,160
Speaker 1: we want financial independence. We want you to retire early

786
00:38:13,200 --> 00:38:15,279
Speaker 1: if that's what you wish, But I don't want you

787
00:38:15,360 --> 00:38:18,680
Speaker 1: to think that if something's wrong, because while I've done

788
00:38:18,680 --> 00:38:21,200
Speaker 1: everything that everyone said and I'm not making ends me,

789
00:38:21,360 --> 00:38:24,719
Speaker 1: it's like no, and honestly too, I don't to me

790
00:38:24,840 --> 00:38:27,839
Speaker 1: the shame around working. I just don't. I don't get it,

791
00:38:28,280 --> 00:38:31,120
Speaker 1: you know what I mean, Like, I don't think there's

792
00:38:31,160 --> 00:38:34,160
Speaker 1: anything wrong with having a job. Honestly, if the recession

793
00:38:34,160 --> 00:38:36,000
Speaker 1: wouldn't have hit, I still would have been teaching preschool

794
00:38:36,000 --> 00:38:37,759
Speaker 1: and I love the kids. I was just talking to

795
00:38:38,040 --> 00:38:41,239
Speaker 1: someone today how much I missed that aspect, like, you know,

796
00:38:41,280 --> 00:38:44,560
Speaker 1: because the they were like honestly, they were wonderful. They

797
00:38:44,600 --> 00:38:48,080
Speaker 1: made my day. I mean, they were just characters and

798
00:38:48,200 --> 00:38:50,759
Speaker 1: I always had something to talk about because they just

799
00:38:50,880 --> 00:38:53,560
Speaker 1: they made my Honestly, I would miss them on the weekends.

800
00:38:53,600 --> 00:38:55,960
Speaker 1: I would buy things for them when I wasn't with them.

801
00:38:56,200 --> 00:38:58,960
Speaker 1: Like I enjoyed teaching. That was a regular job that

802
00:38:59,080 --> 00:39:02,280
Speaker 1: made you know, decent enough money, but I was frugal.

803
00:39:02,360 --> 00:39:04,160
Speaker 1: I saved, I bought a house, I bought a car,

804
00:39:04,280 --> 00:39:05,960
Speaker 1: so I was able to do the things that I

805
00:39:05,960 --> 00:39:08,719
Speaker 1: wanted to do. I didn't have to have, you know,

806
00:39:09,040 --> 00:39:11,640
Speaker 1: a successful business in order to do so. So I

807
00:39:11,719 --> 00:39:13,279
Speaker 1: just want them, like you know, kind of like for

808
00:39:13,360 --> 00:39:17,319
Speaker 1: me anyway, sometimes the fire movement and not everyone, but

809
00:39:17,360 --> 00:39:21,000
Speaker 1: sometimes there's like this like secret shade of like your

810
00:39:21,160 --> 00:39:23,359
Speaker 1: you know, you continue to work, but here's the thing

811
00:39:23,400 --> 00:39:26,040
Speaker 1: that they don't tell you many times, so so what

812
00:39:26,040 --> 00:39:28,200
Speaker 1: you're gonna do when you get sick? You know what

813
00:39:28,239 --> 00:39:31,560
Speaker 1: I mean, Like like Obamacare, you know, shout out to

814
00:39:31,719 --> 00:39:35,600
Speaker 1: big Oh, try having cancer and just having Obamacare. See

815
00:39:35,600 --> 00:39:37,480
Speaker 1: how much that's gonna cost you out of pocket? Like,

816
00:39:37,600 --> 00:39:40,479
Speaker 1: I don't know what I would do, honestly, Like if

817
00:39:40,480 --> 00:39:42,440
Speaker 1: my husband did not have a nine to five like

818
00:39:42,520 --> 00:39:44,360
Speaker 1: a regular job, like you know, I know many of

819
00:39:44,400 --> 00:39:46,840
Speaker 1: your husband he works for the state or the city,

820
00:39:47,280 --> 00:39:51,240
Speaker 1: fedal federal. So my husband works for for for our city.

821
00:39:51,840 --> 00:39:54,640
Speaker 1: Without that insurance, I don't know what I would do.

822
00:39:55,040 --> 00:39:56,959
Speaker 1: I mean, I was literally on the yoga and water

823
00:39:57,040 --> 00:40:00,600
Speaker 1: diet in prayer before before and like you know, so

824
00:40:00,680 --> 00:40:03,560
Speaker 1: y'all know I've been doing IVF like every cycle it's

825
00:40:03,600 --> 00:40:06,960
Speaker 1: like eighty thousand dollars. It's successful as a budgetista, is

826
00:40:08,880 --> 00:40:11,560
Speaker 1: I don't want to you know, i'm're on cycle too.

827
00:40:11,800 --> 00:40:14,360
Speaker 1: That would be one hundred and sixty thousand dollars plus

828
00:40:14,640 --> 00:40:17,440
Speaker 1: five word surgery, which was like almost one hundred thousand dollars.

829
00:40:17,680 --> 00:40:20,640
Speaker 1: I mean that, you know, like that's more than what

830
00:40:20,680 --> 00:40:23,920
Speaker 1: our house cost us. And so yeah, to me, I

831
00:40:23,960 --> 00:40:27,400
Speaker 1: think it's more. So sometimes it's shaming around if you

832
00:40:27,520 --> 00:40:30,799
Speaker 1: don't follow that or God forbid, you know, you might

833
00:40:31,080 --> 00:40:34,080
Speaker 1: want to go on vacation or or you might want

834
00:40:34,120 --> 00:40:37,160
Speaker 1: a nicer house. There's nothing wrong with like those things.

835
00:40:37,160 --> 00:40:40,360
Speaker 1: But yeah, like I think, you know, I like the

836
00:40:40,400 --> 00:40:42,920
Speaker 1: fire movement in its essence. I just want you to

837
00:40:43,000 --> 00:40:45,839
Speaker 1: understand that folks are still making money like you know

838
00:40:46,120 --> 00:40:48,120
Speaker 1: that whole you know, I spent all day on the beach.

839
00:40:48,120 --> 00:40:51,920
Speaker 1: I didn't do anything. It's probably not for most folks,

840
00:40:52,160 --> 00:40:56,160
Speaker 1: you know, likely they are still garnering money from affiliate

841
00:40:56,239 --> 00:41:00,839
Speaker 1: links and blogging like Mandy said, and maybe even speaking teaching.

842
00:41:00,600 --> 00:41:03,680
Speaker 2: For having a course, whether they pay them to teach

843
00:41:03,719 --> 00:41:06,319
Speaker 2: you how to do it and you're sustaining their retirement.

844
00:41:07,640 --> 00:41:10,120
Speaker 2: Just really, you know, you just focus on your own journey,

845
00:41:10,120 --> 00:41:11,479
Speaker 2: you know, That's what I would say. If that's really

846
00:41:11,480 --> 00:41:13,839
Speaker 2: what you your goal is, then you know, sit down

847
00:41:13,880 --> 00:41:15,759
Speaker 2: with the financial planner and make that happen. You know,

848
00:41:15,840 --> 00:41:19,560
Speaker 2: keep your expenses low, save aggressively. That's beautiful. So hopefully

849
00:41:19,560 --> 00:41:22,400
Speaker 2: that answered your question. Thank you for yeah, thank you

850
00:41:22,480 --> 00:41:25,520
Speaker 2: for asking for clarification. I totally respect that.

851
00:41:26,360 --> 00:41:28,960
Speaker 1: Yeah, yeah, but fire, I mean, like, honestly, like to me,

852
00:41:29,040 --> 00:41:31,319
Speaker 1: being financial responsible is always a good thing. So I

853
00:41:31,320 --> 00:41:33,400
Speaker 1: think because honestly, I want to retire early any much

854
00:41:33,440 --> 00:41:34,719
Speaker 1: trying to work till ad if you don't have to

855
00:41:34,840 --> 00:41:39,239
Speaker 1: not me anyway, so I can dig it exactly.

856
00:41:39,760 --> 00:41:41,640
Speaker 2: Well, thank you guys for your questions. Again, we're brand

857
00:41:41,680 --> 00:41:44,480
Speaker 2: Ambition Podcasts on Instagram, so that seems since that seems

858
00:41:44,480 --> 00:41:46,359
Speaker 2: to be where all of your best questions come from.

859
00:41:46,680 --> 00:41:48,560
Speaker 2: But if your old school, you can always hit us

860
00:41:48,640 --> 00:41:52,879
Speaker 2: up at our website, Brandhambition Podcast dot com. Click ask

861
00:41:52,960 --> 00:41:55,680
Speaker 2: us anything to send a question or go to uh

862
00:41:56,400 --> 00:41:59,520
Speaker 2: send us email directly at brand Ambition Podcast at gmail

863
00:41:59,520 --> 00:42:02,560
Speaker 2: dot com dot com.

864
00:42:02,760 --> 00:42:04,839
Speaker 1: They need to hire me. I like Google to do

865
00:42:04,840 --> 00:42:06,719
Speaker 1: dot Com. I feel like, you know, people would like

866
00:42:06,880 --> 00:42:07,480
Speaker 1: enjoy that.

867
00:42:07,480 --> 00:42:09,560
Speaker 2: That's Travelocity, I think.

868
00:42:11,400 --> 00:42:13,200
Speaker 1: Yeah, dot Com. You're right, it is Speedia.

869
00:42:13,239 --> 00:42:14,280
Speaker 2: I don't know who owns them.

870
00:42:15,800 --> 00:42:19,800
Speaker 1: Travel Travelocity, Expedia, and somebody else. They're all the same.

871
00:42:20,280 --> 00:42:22,400
Speaker 2: Yeah, yeah, they're all owned by what's the trip advisor.

872
00:42:22,400 --> 00:42:24,279
Speaker 2: I don't know some Every company is all the same,

873
00:42:24,320 --> 00:42:26,319
Speaker 2: everyone's I was like, what my company like.

874
00:42:26,280 --> 00:42:29,200
Speaker 1: I didn't realize like Wayfair and Johnson Maine. I'm like,

875
00:42:29,239 --> 00:42:29,520
Speaker 1: wait a.

876
00:42:29,560 --> 00:42:34,160
Speaker 2: Minute, yes, and not just those two, like allmodern dot com,

877
00:42:34,239 --> 00:42:37,200
Speaker 2: all those good sites were all the same. What because you.

878
00:42:37,200 --> 00:42:38,759
Speaker 1: Would get the email, right, wouldn't you? Because you know,

879
00:42:38,800 --> 00:42:41,040
Speaker 1: especially when you're like in the middle of renovation or

880
00:42:41,280 --> 00:42:43,439
Speaker 1: buying stuff at the house. Like I would order something

881
00:42:43,440 --> 00:42:45,320
Speaker 1: for one and I would get an email I'm like, wayfair,

882
00:42:45,320 --> 00:42:49,040
Speaker 1: I didn't order some for you, and I realized you

883
00:42:49,040 --> 00:42:51,920
Speaker 1: guys are all the same. Okay, I see you. So

884
00:42:51,960 --> 00:42:55,080
Speaker 1: it's very interesting sometimes, you know, it's just yeah, you

885
00:42:55,120 --> 00:42:56,759
Speaker 1: just don't realize, like how many I'm sure, like at

886
00:42:56,760 --> 00:42:58,360
Speaker 1: one point they were different, but they just bought, you know,

887
00:42:58,400 --> 00:43:00,480
Speaker 1: one of them bought the other one out, which it's smart.

888
00:43:00,480 --> 00:43:02,200
Speaker 1: So that's awesome. Yeah.

889
00:43:03,160 --> 00:43:04,759
Speaker 2: Should we did some boost and breaks real quick to

890
00:43:04,760 --> 00:43:08,560
Speaker 2: close the show? Yeah, the Bus de de Briggs, the Brig.

891
00:43:09,200 --> 00:43:11,440
Speaker 1: Yes, I actually want to break for the first time

892
00:43:11,440 --> 00:43:17,120
Speaker 1: in a long time. Okay, why so I just recently

893
00:43:17,120 --> 00:43:20,600
Speaker 1: saw this Don't Don't Shade Me on the Shade Room

894
00:43:21,000 --> 00:43:25,040
Speaker 1: and the title is Don't get Caught Slipping. Aver Duvenet

895
00:43:25,800 --> 00:43:28,520
Speaker 1: does not like to be called Auntie. And when I say,

896
00:43:28,760 --> 00:43:31,920
Speaker 1: I'll alluda praise the Lord Mandy, I can I tell

897
00:43:31,920 --> 00:43:33,960
Speaker 1: you how many like you know, folks in your twenties

898
00:43:34,000 --> 00:43:38,239
Speaker 1: are like, oh, Auntie, Tiffany, I'm like, ma'am, are you yo?

899
00:43:38,440 --> 00:43:40,960
Speaker 1: I am in my thirty six? Are you crazy? The

900
00:43:41,080 --> 00:43:43,760
Speaker 1: only people that could like, only way I could see

901
00:43:43,840 --> 00:43:47,120
Speaker 1: maybe is if you still have had a teen or

902
00:43:47,120 --> 00:43:50,480
Speaker 1: a single digit, like if you're like, oh, fifteen eight, maybe,

903
00:43:50,680 --> 00:43:53,160
Speaker 1: But ma'am, if you are well into your twenties and

904
00:43:53,360 --> 00:43:55,440
Speaker 1: in your thirties yourself, yo, we are made. I'm not

905
00:43:55,520 --> 00:43:57,960
Speaker 1: your auntie. Don't do that. And even if I was

906
00:43:58,360 --> 00:44:01,480
Speaker 1: like forty five and you have thirty five, now sis,

907
00:44:01,520 --> 00:44:04,799
Speaker 1: we're cousins, Like, don't do that. I'm not gonna lie

908
00:44:04,840 --> 00:44:07,160
Speaker 1: that annoys unless it's my niece and my nephew, because

909
00:44:07,160 --> 00:44:09,319
Speaker 1: then I love it. And they're like, i'mtie Ida because

910
00:44:09,320 --> 00:44:12,759
Speaker 1: they call me my African name Adochi, so like I

911
00:44:12,800 --> 00:44:16,080
Speaker 1: love it. But they're also three and two years old. Sis,

912
00:44:16,120 --> 00:44:19,040
Speaker 1: you're thirty one, so that we're not doing that, And

913
00:44:19,040 --> 00:44:23,280
Speaker 1: so when that happens, I'm always like, I'm not your auntie.

914
00:44:23,320 --> 00:44:25,400
Speaker 1: Like it just I don't know. It feels like slightly

915
00:44:25,640 --> 00:44:27,640
Speaker 1: and I know it's something met with shade, but don't

916
00:44:27,640 --> 00:44:31,120
Speaker 1: start to distinguish like you're so much younger, says you

917
00:44:31,200 --> 00:44:32,920
Speaker 1: got I have like five years on you. I'm not

918
00:44:32,960 --> 00:44:34,560
Speaker 1: your auntie. I'm your cousin.

919
00:44:34,560 --> 00:44:38,919
Speaker 2: Sister as their guru, like their auntie who like has

920
00:44:38,920 --> 00:44:39,480
Speaker 2: the wisdom.

921
00:44:39,560 --> 00:44:44,920
Speaker 1: You know, Nah, we're cousins. So because right, like I said,

922
00:44:45,560 --> 00:44:48,000
Speaker 1: I'm twenty and under, I'll take it. But once you

923
00:44:48,480 --> 00:44:51,480
Speaker 1: once you strike over like a certain we're not that

924
00:44:51,520 --> 00:44:53,040
Speaker 1: far away to age. We're not doing that you could

925
00:44:53,040 --> 00:44:55,040
Speaker 1: have been. We would have born in the the same

926
00:44:55,280 --> 00:44:57,240
Speaker 1: I got a cell phone, You got a cell phone,

927
00:44:57,280 --> 00:45:00,000
Speaker 1: Like I wasn't born before, like microwaves came out or something.

928
00:45:00,000 --> 00:45:03,680
Speaker 1: I'll do that. So that's just my lighthearted boost that, like,

929
00:45:03,800 --> 00:45:06,080
Speaker 1: you know, just being called auntie because I saw Bevy

930
00:45:06,120 --> 00:45:07,799
Speaker 1: Smith had said that she was like grown forty year

931
00:45:07,840 --> 00:45:15,040
Speaker 1: old women call me auntie. Now what about you? You

932
00:45:15,040 --> 00:45:16,480
Speaker 1: gott a booster, you gotta break.

933
00:45:16,680 --> 00:45:18,480
Speaker 2: I'm gonna do a boost. I have to do a

934
00:45:18,480 --> 00:45:20,480
Speaker 2: boost for this. I used to roll my eyes at

935
00:45:20,560 --> 00:45:25,080
Speaker 2: all these like pre K fifth grade, eighth grade graduation ceremonies,

936
00:45:25,080 --> 00:45:26,960
Speaker 2: But I don't know what I'm in my feelings about it,

937
00:45:27,000 --> 00:45:30,960
Speaker 2: and I love I love like pre K graduation ceremonies.

938
00:45:31,000 --> 00:45:33,800
Speaker 2: I feel like they're so magical. And maybe it's because

939
00:45:33,840 --> 00:45:36,799
Speaker 2: now I have a god's all. My husband's god. Wait no,

940
00:45:36,840 --> 00:45:40,200
Speaker 2: he's not as godfather anyway. My husband's nephew who are

941
00:45:40,280 --> 00:45:42,359
Speaker 2: very close to just graduate from pre K and they

942
00:45:42,360 --> 00:45:45,160
Speaker 2: give all the kids awards and they're so proud of themselves,

943
00:45:45,480 --> 00:45:47,839
Speaker 2: and I just wanted to boost all the teachers and

944
00:45:47,920 --> 00:45:53,160
Speaker 2: the educators who take their time and energy to make

945
00:45:53,200 --> 00:45:56,600
Speaker 2: these kids feel so special and loved and feel like

946
00:45:56,640 --> 00:45:59,560
Speaker 2: they've really accomplished something. I think it's so beautiful. So

947
00:45:59,600 --> 00:46:01,879
Speaker 2: shout out, yeah to shout out to teachers and shout

948
00:46:01,880 --> 00:46:05,320
Speaker 2: out to all the little kiddos who are graduating or whatever.

949
00:46:05,360 --> 00:46:08,759
Speaker 2: You're graduating too. You could probably stop growing up so

950
00:46:08,880 --> 00:46:12,239
Speaker 2: fast because it makes me feel old. But it's a

951
00:46:12,280 --> 00:46:15,280
Speaker 2: beautiful thing. I can't believe this kid's already five. It's insane.

952
00:46:15,800 --> 00:46:17,160
Speaker 1: I know. It is kind of the same when you're

953
00:46:17,200 --> 00:46:19,840
Speaker 1: looking like, wait, you just came out the womb, Like

954
00:46:19,920 --> 00:46:21,120
Speaker 1: what are you doing getting older?

955
00:46:21,520 --> 00:46:24,000
Speaker 2: I know it's crazy, but it's beautiful. Did you ever

956
00:46:24,080 --> 00:46:25,880
Speaker 2: do pre K graduations when you were teaching?

957
00:46:26,120 --> 00:46:27,920
Speaker 1: Oh my gosh, it's like the most fun because then

958
00:46:27,960 --> 00:46:31,320
Speaker 1: you like make the little like tassles for their little.

959
00:46:31,120 --> 00:46:33,280
Speaker 2: We get little gowns, you know, yeah.

960
00:46:33,440 --> 00:46:35,640
Speaker 1: Give a little goals. They make little tassels and sometimes

961
00:46:35,640 --> 00:46:37,520
Speaker 1: we would like get the parents to give us like

962
00:46:38,200 --> 00:46:40,879
Speaker 1: hanging her weag like undershirts and we would like tie

963
00:46:40,960 --> 00:46:42,759
Speaker 1: die them and the kids could like decorate them. It

964
00:46:42,800 --> 00:46:45,000
Speaker 1: was a whole thing, honestly. I mean obviously we would

965
00:46:45,000 --> 00:46:46,400
Speaker 1: have it like like on the front lawn and it

966
00:46:46,400 --> 00:46:48,640
Speaker 1: wasn't like we were renting out, you know, space, but

967
00:46:49,000 --> 00:46:50,799
Speaker 1: it was just nice, like you know, they're going to

968
00:46:50,920 --> 00:46:52,839
Speaker 1: kindergarten and then you'd be like, oh, my babies are

969
00:46:52,880 --> 00:46:54,759
Speaker 1: leaving me. It's crazy. Now when I see them in

970
00:46:54,760 --> 00:46:56,080
Speaker 1: the streets, I'm not gonna lie. They can call me

971
00:46:56,120 --> 00:46:58,800
Speaker 1: on because some of them are like I want to

972
00:46:58,800 --> 00:47:04,200
Speaker 1: say fifteen Oh wow, no, like like only if you

973
00:47:04,280 --> 00:47:06,080
Speaker 1: had like a really distinct face. Most times, like I

974
00:47:06,120 --> 00:47:08,960
Speaker 1: can't recognize every once in a while, I'm like, oh

975
00:47:08,960 --> 00:47:11,200
Speaker 1: that's Keishaan or like I'll like know the parents and

976
00:47:11,239 --> 00:47:12,920
Speaker 1: I'm like looking out, I'm like, oh hey, am I

977
00:47:13,000 --> 00:47:17,200
Speaker 1: a wait, is that Sarah? Because if we're standing with

978
00:47:17,200 --> 00:47:19,000
Speaker 1: a giant, I'm like, tell me that's not three year

979
00:47:19,040 --> 00:47:21,279
Speaker 1: olds Tara, Oh my gosh. And of course they don't

980
00:47:21,280 --> 00:47:23,480
Speaker 1: remember me because they're like every once in a while,

981
00:47:23,560 --> 00:47:25,440
Speaker 1: like a kid would be like I vaguely remember you,

982
00:47:25,440 --> 00:47:27,879
Speaker 1: you know, miss Tiffany. But yeah, So I just love

983
00:47:27,880 --> 00:47:29,160
Speaker 1: when I see their parents in the stryt and then

984
00:47:29,200 --> 00:47:31,000
Speaker 1: I forced them to send me to show me pictures.

985
00:47:31,000 --> 00:47:32,520
Speaker 1: I'm like, I want to see them now so I

986
00:47:32,520 --> 00:47:35,520
Speaker 1: could be like, you know, horrified at how big they've got,

987
00:47:35,560 --> 00:47:37,480
Speaker 1: and I'm like, oh my gosh. It's just that's the

988
00:47:37,520 --> 00:47:39,719
Speaker 1: one thing I really like love about teaching. It's just

989
00:47:39,800 --> 00:47:41,719
Speaker 1: like these are like your babies forever and.

990
00:47:41,640 --> 00:47:44,360
Speaker 3: You're like, oh my god, they're so big and just still,

991
00:47:44,719 --> 00:47:47,080
Speaker 3: especially when you teach in the neighborhood that you live,

992
00:47:47,520 --> 00:47:50,440
Speaker 3: because you get to run into people that lives you've affected,

993
00:47:50,480 --> 00:47:52,560
Speaker 3: like you know, from years and years years and years

994
00:47:52,560 --> 00:47:52,879
Speaker 3: to come.

995
00:47:52,960 --> 00:47:55,920
Speaker 2: So yeah, I think the opposite is true. Like, have

996
00:47:55,920 --> 00:47:57,680
Speaker 2: you ever seen a teacher of yours from when you

997
00:47:57,760 --> 00:48:01,240
Speaker 2: were a little little like I've re I not so recently,

998
00:48:01,280 --> 00:48:03,680
Speaker 2: but I had heard from or I reached out to

999
00:48:03,719 --> 00:48:05,760
Speaker 2: an old teacher of mine from like the fifth grade.

1000
00:48:06,040 --> 00:48:09,240
Speaker 2: I remember thinking she was like she in my memory

1001
00:48:09,280 --> 00:48:13,160
Speaker 2: she looks like Oprah. She has this like booming baritone voice.

1002
00:48:13,400 --> 00:48:15,520
Speaker 2: When I heard her voice, she sounded like mini Mouse,

1003
00:48:15,560 --> 00:48:17,560
Speaker 2: and I was like, who are you? I didn't even

1004
00:48:17,560 --> 00:48:19,840
Speaker 2: know if it was the same person. It was so wild,

1005
00:48:19,960 --> 00:48:23,560
Speaker 2: like your your ten year old perception of an adult

1006
00:48:23,680 --> 00:48:25,879
Speaker 2: and then to like twenty years later you'd be talking

1007
00:48:25,880 --> 00:48:28,600
Speaker 2: to them again. It like blew my mind. It was

1008
00:48:28,600 --> 00:48:31,239
Speaker 2: Craig Cray, same experience with you.

1009
00:48:32,360 --> 00:48:34,480
Speaker 1: It's like, oh my gosh, you were so little. It's

1010
00:48:34,480 --> 00:48:36,600
Speaker 1: just crazy to see people like really grow up. Like

1011
00:48:36,800 --> 00:48:38,000
Speaker 1: I was looking at my knees and I was like,

1012
00:48:38,000 --> 00:48:41,000
Speaker 1: oh mih yeah, wait, you were literally just like a

1013
00:48:41,120 --> 00:48:43,160
Speaker 1: baby out the wall and now you're like, I see,

1014
00:48:43,160 --> 00:48:45,520
Speaker 1: I know what you're doing. Every time the phone rings,

1015
00:48:45,840 --> 00:48:47,359
Speaker 1: like I can hear in the background she's like running

1016
00:48:47,360 --> 00:48:49,600
Speaker 1: through the list of like the five people's names she knows.

1017
00:48:50,120 --> 00:48:55,200
Speaker 1: Isn't Daddy, it's that chich Is. I'm like, and you

1018
00:48:55,200 --> 00:48:56,920
Speaker 1: can tell that she's so proud of herself, Like I

1019
00:48:57,320 --> 00:48:59,600
Speaker 1: know names and I could say them. Give me the

1020
00:48:59,600 --> 00:49:01,440
Speaker 1: phone so I can breathe happy and not say anything.

1021
00:49:03,000 --> 00:49:03,680
Speaker 2: That's what they do.

1022
00:49:05,440 --> 00:49:08,160
Speaker 1: Oh that was a nice, nice way to end.

1023
00:49:08,480 --> 00:49:12,400
Speaker 2: You know, well, thank you guys for listening again. We

1024
00:49:12,440 --> 00:49:15,520
Speaker 2: are broad Ambition. Our website is brandabision podcast at no,

1025
00:49:15,640 --> 00:49:19,120
Speaker 2: it's not brandibision podcast dot com. We're also on the

1026
00:49:19,160 --> 00:49:22,880
Speaker 2: Gram at brandabision podcast. We're on Twitter at the BA podcast.

1027
00:49:23,120 --> 00:49:25,839
Speaker 2: What are we a Facebook Finals, Brown Ambition.

1028
00:49:26,280 --> 00:49:30,480
Speaker 1: Mhm and as usual, stay Brown, stay ambitious.

1029
00:49:32,680 --> 00:49:35,279
Speaker 2: I have nothing to add. Sorry I left you hang

1030
00:49:35,360 --> 00:49:40,879
Speaker 2: in my bad. Yeah, I'm finger gunning you know. I'll

1031
00:49:40,920 --> 00:49:42,719
Speaker 2: do the jazz hands to close this out. Just think

1032
00:49:42,800 --> 00:49:45,920
Speaker 2: us stop it, right,