WEBVTT - Ep. 176 —  Classic Brown Ambition

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<v Speaker 1>Hey, hey, hey, a little jazz for you. I'm back.

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<v Speaker 1>We're black, we're brown. It's Tiffany and Mandy.

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<v Speaker 2>I'm doing jazz hands.

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<v Speaker 1>Can you feel it? I can feel it.

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<v Speaker 2>I had to dig deep those jazz, those jazz hands too.

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<v Speaker 2>It's been a long week. It's only Tuesday.

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<v Speaker 1>Oh, so what's going on.

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<v Speaker 2>Let's look at the headlines real quick. So everyone do

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<v Speaker 2>not Like, first of all, I did this myself, so

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<v Speaker 2>I shouldn't really tell you not to. But don't go

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<v Speaker 2>to Trader Joe's and stock up on avocados now because

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<v Speaker 2>you're worried about the Mexico trade tariffs. That are you know,

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<v Speaker 2>someone's president and wants to start imposing they're coming from

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<v Speaker 2>my avocados, y'all, which is like the most important Mexican

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<v Speaker 2>import in my life. Did you hear after news broke

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<v Speaker 2>that Trump was considering this five percent tariff on Mexican imports,

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<v Speaker 2>Chipotle stock went down. No, Yeah, well I can see

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<v Speaker 2>why because their guac is delicious.

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<v Speaker 1>Yeah.

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<v Speaker 2>They go through something like over like hundreds of thousands

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<v Speaker 2>of avocados a day they go through Okay, yeah, yeah.

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<v Speaker 1>Even though guac is extra, peopleut online.

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<v Speaker 2>I mean, I'll pay two dollars extra. It's delicious, it is,

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<v Speaker 2>and you know what what you're paying for is someone

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<v Speaker 2>went and found that avocado and waited for it to

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<v Speaker 2>be ripe enough to cook, like not to cook, but

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<v Speaker 2>to prepare because you know how it is like when

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<v Speaker 2>you go to the store and all the avocados are hard, Yeah,

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<v Speaker 2>and you have to wait four days for them to ripen.

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<v Speaker 3>You know.

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<v Speaker 2>So I'll pay that extra two dollars, Sure, I.

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<v Speaker 1>Will, exactly. But it's a crazy because I was reading

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<v Speaker 1>that like cars, you're looking at spending an additional like

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<v Speaker 1>thousands of two thousand dollars more because of this trade

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<v Speaker 1>tariff that might that's going to happen.

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<v Speaker 2>Yeah, it's not just avocados, although that's what I think about. Yeah,

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<v Speaker 2>like tons of cars. You know, commercial vehicles come from Mexico.

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<v Speaker 2>Computer equipment comes from Mexico. A lot of stuff comes

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<v Speaker 2>from Mexico. If you thought China China, what am I

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<v Speaker 2>talking about? If you thought China tariffs were, we're bad,

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<v Speaker 2>these can be equally harmful. I don't know if it'll happen, though,

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<v Speaker 2>I got an alert from the Times earlier that Senate Republicans,

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<v Speaker 2>so Trump's people supposedly are aligned together against the tariffs,

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<v Speaker 2>so we'll see if he but you know, he's been

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<v Speaker 2>known to go against his his uh supposed to follower

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<v Speaker 2>his base, you know, when it suits him best. So

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<v Speaker 2>we'll see or maybe all of his time with our

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<v Speaker 2>dear Queen Elizabeth in London, will we'll chill him out

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<v Speaker 2>a little bit.

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<v Speaker 1>Yeah. I was like, oh gosh, I know, first of all,

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<v Speaker 1>to hilarious some of the some of the backlash. You know,

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<v Speaker 1>did you see the big Trump baby blint or whatever

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<v Speaker 1>that they were they were walking down the street. I'm

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<v Speaker 1>not gonna lie. Always get a little kickle out of

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<v Speaker 1>those all those called efforties.

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<v Speaker 2>I think an effigy is something you burn.

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<v Speaker 1>Yeah, well they had those two.

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<v Speaker 2>I mean you could burn it. No, that is like

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<v Speaker 2>a giant like a Thanksgiving Day balloon. But it looks

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<v Speaker 2>like a Trump baby, like a cry baby. I mean,

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<v Speaker 2>art is accurate sometimes that is exactly what it feels like.

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<v Speaker 2>I got in trouble for sharing fake news though I

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<v Speaker 2>shared a well technically the Daily The Daily Show shared

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<v Speaker 2>it first on the ground, but there's a picture of

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<v Speaker 2>him going around, you know, lined up with the Queen

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<v Speaker 2>and the and Prince Charles and Camilla and everything and

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<v Speaker 2>and and uh and Malania looking out elegant and then

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<v Speaker 2>Trump standing there in like some khaki pants and a

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<v Speaker 2>polo shirt, and I was like, this is what it

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<v Speaker 2>was so believable. I grammed it to some of my friends.

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<v Speaker 2>Is that what she's Is that what the kids say?

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<v Speaker 2>I grammed it, I DMed it. I don't know.

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<v Speaker 1>I never you're not generation.

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<v Speaker 2>I took a month off Instagram and now I don't

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<v Speaker 2>know my people anyway, I said, And they're like fake news.

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<v Speaker 1>Oh.

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<v Speaker 2>I felt like such an idiot. I hate that. I

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<v Speaker 2>hate that I shared fake news. But whatever the other

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<v Speaker 2>on the other.

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<v Speaker 1>Hand, and it wasn't like, you know, at work.

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<v Speaker 2>It was karma. Yeah, I didn't like, you know, write

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<v Speaker 2>an article for the world, but yeah, so that's happening.

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<v Speaker 2>And back in America, if you weren't stunned to death

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<v Speaker 2>by Beyonce's lion King or what was it, like a

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<v Speaker 2>lioness outfit that she wore for her mom's Wearable art gala,

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<v Speaker 2>which just looks like the most beautiful, blackest party in

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<v Speaker 2>the entire world. Like I wish I would get an invite,

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<v Speaker 2>but that's never gonna happen. So Beyonce was rocking that

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<v Speaker 2>and then her husband Jay Z Don't Sleep on Him

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<v Speaker 2>became hip hop's first billionaire apparently.

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<v Speaker 1>Yeah, that is amazing. At first, I was like, wait,

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<v Speaker 1>is this like as a couple because I thought they've

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<v Speaker 1>been a billion member when Beyonce had in her song

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<v Speaker 1>like of course there's some some things go down when

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<v Speaker 1>there's a billion dollars in the elevator, and I was like,

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<v Speaker 1>they are already a billion dollar a couple altogether, and

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<v Speaker 1>you were like they are, But he singularly, separately is

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<v Speaker 1>a billion is his network is a billion dollars? Which

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<v Speaker 1>I was like, whoa.

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<v Speaker 2>Yeah, he's not a stay at home dad. You guys,

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<v Speaker 2>he's been very, very busy. I was just trying to remember.

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<v Speaker 2>I'm like, what is Jay got going on? But he's

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<v Speaker 2>really been singular and the fact that he's been adamant

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<v Speaker 2>with his career in owning things, not just being you know,

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<v Speaker 2>being beholden to a record label. He launched his own

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<v Speaker 2>or beholden to even like streaming services like you said,

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<v Speaker 2>he launched title. So that's where the wealth is.

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<v Speaker 1>Do say? I think it's like his alcohol company, you know,

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<v Speaker 1>He's got this rap where he says, I'm not a businessman,

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<v Speaker 1>I'm a business man. I'm like, so you are.

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<v Speaker 2>And it's in that comma that it's worth a billion

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<v Speaker 2>dollars exactly.

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<v Speaker 1>And just of course there's like his music and stuff.

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<v Speaker 1>But you know, but it's just it's pretty amazing and

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<v Speaker 1>you're like, wow, that's pretty amazing.

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<v Speaker 2>So he's not just mister bay No.

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<v Speaker 1>You know, people love to say that, but you know,

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<v Speaker 1>this is someone who's been making moves behind the scenes,

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<v Speaker 1>and so we have to, you know, give him his respect.

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<v Speaker 1>I mean that's you know, I mean, he's the he Wow.

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<v Speaker 1>He is, according to Black Enterprise, the fifth black billionaire

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<v Speaker 1>in the United States.

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<v Speaker 2>That's crazy in all of history.

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<v Speaker 1>Well, like I think currently, I'm like wow, real, yeah,

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<v Speaker 1>so he beat out Doctor Dre, he beat out Diddy. Yeah.

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<v Speaker 1>I just I'm honestly really just like wow. So it's

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<v Speaker 1>you know, it expanses he and encompasses liquor are to

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<v Speaker 1>real estate, steaks and company like Uber.

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<v Speaker 2>Okay, oh I did read that, like Beyonce and him

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<v Speaker 2>invested big in Uber or something.

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<v Speaker 1>Yeah, they included like it's like a seventy million dollars

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<v Speaker 1>steak in Uber, which is now worth two hundred and

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<v Speaker 1>twenty million. Do say the Cognac one hundred million, title

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<v Speaker 1>one hundred million, Rock Nation, seventy five million, music catalog,

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<v Speaker 1>seventy five art collection, seventy million, real estate fifty million.

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<v Speaker 1>Wait all, there's another Champagne. I'm not even gonna say

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<v Speaker 1>Armadday Brignock. Clearly I'm not culture three hundred and ten million.

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<v Speaker 2>He made it sound delicious.

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<v Speaker 3>Can I get that?

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<v Speaker 1>I'm a day?

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<v Speaker 2>Can I get that? Break?

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<v Speaker 1>Not? But yeah, this is someone. I mean, I'm just

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<v Speaker 1>really like, Wow, that's awesome. I didn't realize there was

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<v Speaker 1>only five black billionaires the United States. Well, he's joining

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<v Speaker 1>the ranks of Apral and our beloved now Robert Smyth

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<v Speaker 1>aka mister Morehouse. So that's awesome.

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<v Speaker 2>I'm working on a millionaire status. I did the I

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<v Speaker 2>used the bank rate compound interest tool, and if I

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<v Speaker 2>stopped saving in my retirement fund today, which I started

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<v Speaker 2>when I was like making nothing as a writer, when

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<v Speaker 2>I was twenty two or twenty three, if I stopped

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<v Speaker 2>saving today, I will have over a million dollars by

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<v Speaker 2>the time I'm sixty.

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<v Speaker 1>That's awesome.

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<v Speaker 2>That gave me such comfort. I mean, this is of course, like,

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<v Speaker 2>you know, for trying to predict the future. But I

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<v Speaker 2>was like, damn, because I just started when I was

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<v Speaker 2>twenty two, and I had like I was making like

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<v Speaker 2>what forty thousand dollars a year, feeling like I had

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<v Speaker 2>nothing to save, and I just started. Did just start?

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<v Speaker 2>You guys? Just start?

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<v Speaker 1>Yeah, it just start. Wow, that's awesome. And so because

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<v Speaker 1>you did a target date fund, correct.

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<v Speaker 2>I did? Yeah, I forget. Yeah, I think from the

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<v Speaker 2>beginning I had I think my first four oh one

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<v Speaker 2>k ever was in a TD Ameritrade account. They had

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<v Speaker 2>some kind of target date fund. And then over the

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<v Speaker 2>years I've switched employers and had to I've rolled over

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<v Speaker 2>my four to one k, and finally I'm at Vanguard

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<v Speaker 2>in a target date fund. Yeah, I've just kept it going,

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<v Speaker 2>you know. I mean, at a certain point it might

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<v Speaker 2>make sense to switch it up a little bit. But

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<v Speaker 2>the beauty of the target date fund is that it

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<v Speaker 2>automatically shifts my investments as I get older, So I'm

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<v Speaker 2>not as heavily invested in stocks as I was when

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<v Speaker 2>I was younger. I'm still pretty young, so I'm still

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<v Speaker 2>heavily invested in stocks. But as I get older and

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<v Speaker 2>you know, forties, fifty sixties, it should shift so that

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<v Speaker 2>I'm not you know, as heavily weighted. And it's so important.

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<v Speaker 2>There was like a there's a new report out about

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<v Speaker 2>how you know, we talked about retirement, and I think

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<v Speaker 2>the impression people have of retirement is that and this

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<v Speaker 2>is right. You mean, you should be optimistic that you're

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<v Speaker 2>going to be saving so you can buy your retirement

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<v Speaker 2>home or you know, travel the world. That's what I

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<v Speaker 2>envision for myself. But the reality is that a lot

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<v Speaker 2>of people end up retiring earlier than they thought because

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<v Speaker 2>they need long term health care, they have some kind

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<v Speaker 2>of health issue. There is this interesting stat that, like,

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<v Speaker 2>I forget what the exact numbers were, but most people

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<v Speaker 2>think they'll retire at age seventy, but in reality, they

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<v Speaker 2>retire like sixty one.

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<v Speaker 1>You know.

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<v Speaker 2>It's just see right before Social Security benefits hit and

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<v Speaker 2>it's largely due to like health complications, and and for me,

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<v Speaker 2>you know, it's and for us it's really important to

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<v Speaker 2>think about you know, that retirement fund as like your

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<v Speaker 2>your long term care fund too. You know, who's going

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<v Speaker 2>to pay for your your home health care aid? If

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<v Speaker 2>you need someone or your medical bills, you know, if

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<v Speaker 2>they start piling up, and yeah, it's just it's sad

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<v Speaker 2>to see seniors, like older people who've paid their dues,

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<v Speaker 2>done everything right, and then they're just like trapped in

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<v Speaker 2>all this debt because they can't afford their medical expenses

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<v Speaker 2>and their health care. So who's your who's your retirement person? Wanda?

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<v Speaker 1>Oh yeah, yeah, my old lady, my seventy year old lady. Yeah,

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<v Speaker 1>Wanda is her name. And maybe let's explain what a

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<v Speaker 1>target date fund is. Come sort some people are like,

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<v Speaker 1>what's the target date fund? Oh?

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<v Speaker 2>Yeah, well you can skip back to what was it

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<v Speaker 2>two episodes ago when I replayed our interview with my

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<v Speaker 2>financial planner Helen where we talk all about target day funds.

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<v Speaker 2>But quick version of the story is that it is

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<v Speaker 2>a investment fund that has instead of just investing in

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<v Speaker 2>one company, they invest you in a bunch of different

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<v Speaker 2>companies and it just helps you expose, like expand your risk,

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<v Speaker 2>so you're not putting all your eggs in one basket,

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<v Speaker 2>and you basically pick the fund that aligns with your

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<v Speaker 2>target retirement age or retirement year. So I think I'm

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<v Speaker 2>twenty fifty five. I want to say, I just guessed

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<v Speaker 2>where I would be forty years in the future, and

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<v Speaker 2>they usually do it every five years. So it's like

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<v Speaker 2>a twenty there's a twenty fifty, and there's a twenty

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<v Speaker 2>fifty five, and twenty sixty and twenty sixty five. You

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<v Speaker 2>pick the fund that you know matches your target retirement

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<v Speaker 2>age and that's it. Like you just put money into

0:10:58.360 --> 0:11:02.199
<v Speaker 2>it and they diversify it for you, and then over time,

0:11:02.360 --> 0:11:05.280
<v Speaker 2>like I said, they'll shift your investments away from like

0:11:05.320 --> 0:11:08.440
<v Speaker 2>you usually start heavily invested in stocks because they're riskier,

0:11:08.480 --> 0:11:12.560
<v Speaker 2>but they have higher potential for rewards, and then over

0:11:12.640 --> 0:11:15.160
<v Speaker 2>time they'll shift it so you're more invested in low

0:11:15.280 --> 0:11:18.360
<v Speaker 2>risk assets like cash and bonds.

0:11:18.840 --> 0:11:21.439
<v Speaker 1>Yeah, that's good. I know. I feel like thanks tips.

0:11:21.440 --> 0:11:23.160
<v Speaker 1>See I was cause I know someone was like Target

0:11:23.240 --> 0:11:25.200
<v Speaker 1>Day Fund, let me get to the Googles. You don't

0:11:25.200 --> 0:11:26.920
<v Speaker 1>need the Googles when you have the mandies.

0:11:27.280 --> 0:11:29.640
<v Speaker 2>They really could, like find someone else to rebrand these

0:11:29.679 --> 0:11:33.040
<v Speaker 2>products to make them more memorable and like easy understand.

0:11:33.080 --> 0:11:35.480
<v Speaker 1>I mean, come on, I mean, well, I feel like

0:11:35.520 --> 0:11:37.520
<v Speaker 1>I do like Target Date Fund. Like it's because I

0:11:37.520 --> 0:11:40.600
<v Speaker 1>feel like it does kind of explain what it is

0:11:40.640 --> 0:11:42.160
<v Speaker 1>even though you might need a little bit like, you know,

0:11:42.160 --> 0:11:44.600
<v Speaker 1>more digging. But I do like the name Target Date

0:11:44.600 --> 0:11:48.600
<v Speaker 1>Fund because it's like, oh, okay, gotcha.

0:11:48.520 --> 0:11:52.839
<v Speaker 2>Gotcha, my little insurance fun. What else is going on?

0:11:54.280 --> 0:11:59.600
<v Speaker 1>What's happening in the news? What is happening in the news.

0:11:59.600 --> 0:12:01.480
<v Speaker 1>I feel like, have you watched this? It's kind of

0:12:01.480 --> 0:12:04.160
<v Speaker 1>like an inside oh when they see us Abraduvenet trying

0:12:04.160 --> 0:12:05.960
<v Speaker 1>to make everybody cry. But we need to see it.

0:12:06.120 --> 0:12:09.160
<v Speaker 2>Oh, I know, I'm gonna. We sat down on Friday

0:12:09.200 --> 0:12:12.280
<v Speaker 2>night to like do our usual Netflix and chill, and

0:12:12.600 --> 0:12:15.800
<v Speaker 2>I was so bone tired. I didn't have the like

0:12:15.880 --> 0:12:17.720
<v Speaker 2>I didn't have it in me to watch it. But

0:12:17.760 --> 0:12:20.120
<v Speaker 2>I'm gonna watch it this weekend. I'm gonna prepare myself.

0:12:20.240 --> 0:12:21.360
<v Speaker 2>I heard it's really good.

0:12:22.160 --> 0:12:26.440
<v Speaker 1>Yeah yeah, everyone told me that they're like it's really good,

0:12:26.559 --> 0:12:28.880
<v Speaker 1>but prepared to like really ball your eyes out and

0:12:28.960 --> 0:12:30.760
<v Speaker 1>be like wow, some of these people were really evil,

0:12:30.920 --> 0:12:33.840
<v Speaker 1>like really evil, and that these were like babies, like

0:12:33.880 --> 0:12:37.000
<v Speaker 1>you know, like little ones like like fourteen. These are

0:12:37.800 --> 0:12:40.880
<v Speaker 1>I just can't imagine the terror they must have felt.

0:12:41.120 --> 0:12:42.959
<v Speaker 1>I can't When I was like in ninth grade, if

0:12:42.960 --> 0:12:44.920
<v Speaker 1>someone would have done this to me, I just I

0:12:45.000 --> 0:12:47.240
<v Speaker 1>just don't know, and put in and put an adult prisons.

0:12:48.120 --> 0:12:51.240
<v Speaker 1>I just and then when over and over and over again,

0:12:51.280 --> 0:12:54.319
<v Speaker 1>the the you know, the the evidence you know did

0:12:54.360 --> 0:12:56.079
<v Speaker 1>not point in their favor. They made it point in

0:12:56.120 --> 0:12:58.760
<v Speaker 1>their and you know, they made it point to them,

0:12:58.800 --> 0:13:03.360
<v Speaker 1>I just who child. It's just it's a lot. Sometimes

0:13:03.360 --> 0:13:05.800
<v Speaker 1>you're just like, uh, not today, not today, not today,

0:13:05.840 --> 0:13:08.120
<v Speaker 1>you know, because it's a lot. But I know I

0:13:08.160 --> 0:13:10.120
<v Speaker 1>have to watch. Everyone's like, no, you have to watch it.

0:13:10.600 --> 0:13:12.720
<v Speaker 2>Yeah, I feel like I have this respond because moral

0:13:12.800 --> 0:13:16.960
<v Speaker 2>responsibility to yeah, and also you got to support.

0:13:17.360 --> 0:13:19.120
<v Speaker 1>Yeah, these kind of thing that way, these things come

0:13:19.160 --> 0:13:21.280
<v Speaker 1>out more. And I'm just like, thank God for Ava,

0:13:21.360 --> 0:13:22.880
<v Speaker 1>Like this is like this is, you know, not her

0:13:22.880 --> 0:13:26.160
<v Speaker 1>first time doing things like this. She had that other one.

0:13:25.880 --> 0:13:28.400
<v Speaker 2>Oh what was it called the thirteenth right.

0:13:28.320 --> 0:13:30.839
<v Speaker 1>Yes, she is some thirteen. I don't know it's called

0:13:30.840 --> 0:13:34.280
<v Speaker 1>the thirteenth or thirteen something, but yeah, that was another

0:13:34.320 --> 0:13:38.120
<v Speaker 1>one that that was similar as far as exposing you know,

0:13:38.200 --> 0:13:41.960
<v Speaker 1>what happens to black and brown folks and and you

0:13:42.000 --> 0:13:46.080
<v Speaker 1>know the overwhelming odds stacked against them. I just ooh,

0:13:46.200 --> 0:13:48.640
<v Speaker 1>like our current douchebag, I mean president, he took out

0:13:48.640 --> 0:13:53.640
<v Speaker 1>an eighty thousand dollars ad against these boys and advocated

0:13:53.679 --> 0:13:56.480
<v Speaker 1>for the death penalty for a fourteen year old. I

0:13:56.600 --> 0:13:59.960
<v Speaker 1>just but that's that's the deucebag president that y'all wanted.

0:14:00.080 --> 0:14:02.480
<v Speaker 1>Now you're all, but you know, you guys are broad ambition, but.

0:14:02.559 --> 0:14:05.080
<v Speaker 2>Nearly half of America did. That's reality.

0:14:05.160 --> 0:14:10.160
<v Speaker 1>That's crazy. Like just sometimes I'm just like, who, like

0:14:10.760 --> 0:14:12.760
<v Speaker 1>who are you? You know, do you ever just think that,

0:14:12.840 --> 0:14:17.360
<v Speaker 1>like I do not have children, do not you know

0:14:17.360 --> 0:14:19.640
<v Speaker 1>what I mean, like, do not have any to of conscience?

0:14:20.760 --> 0:14:21.200
<v Speaker 1>I just.

0:14:22.720 --> 0:14:25.880
<v Speaker 2>Yeah, it's about values. You know, when you when you're

0:14:25.920 --> 0:14:34.240
<v Speaker 2>someone who values notoriety and wealth and capitalism and personal

0:14:34.280 --> 0:14:38.680
<v Speaker 2>wealth and business over all else, I mean, that will

0:14:38.760 --> 0:14:40.920
<v Speaker 2>blind your judgment to a lot of other things, because

0:14:41.080 --> 0:14:44.280
<v Speaker 2>why why fixed systems that were that were built to

0:14:44.360 --> 0:14:47.440
<v Speaker 2>make you rich? You know, like that is that's who

0:14:47.480 --> 0:14:49.680
<v Speaker 2>we have in office now. And it's not just at

0:14:49.720 --> 0:14:52.400
<v Speaker 2>the presidential level, but in a lot of ways. You know, yeah,

0:14:52.440 --> 0:14:56.440
<v Speaker 2>there's literally groups lobbying against any kind of reform because

0:14:56.960 --> 0:14:59.880
<v Speaker 2>you know, this is a system that has made you know,

0:15:00.080 --> 0:15:01.480
<v Speaker 2>that's better for a lot of people.

0:15:02.000 --> 0:15:04.960
<v Speaker 1>Yeah, it's just it just gets a little scary because

0:15:04.960 --> 0:15:07.160
<v Speaker 1>she's just like, wow, you know.

0:15:07.200 --> 0:15:09.160
<v Speaker 2>Aren't you gotta we have Kim Kardashian though.

0:15:09.520 --> 0:15:11.000
<v Speaker 1>Oh my gosh, s' gonna save us.

0:15:11.720 --> 0:15:14.640
<v Speaker 2>Ah, you know what, shout out to her for doing

0:15:14.640 --> 0:15:18.000
<v Speaker 2>something with her time that's not lip kits and you know,

0:15:18.160 --> 0:15:22.240
<v Speaker 2>button plans or whatever. But I gotta be like.

0:15:22.440 --> 0:15:24.080
<v Speaker 1>I will say though that they're like, there is a

0:15:24.120 --> 0:15:26.240
<v Speaker 1>sister that's been really doing like the legwork. Obviously we

0:15:26.280 --> 0:15:28.800
<v Speaker 1>all know Kim Kardashian is not a lawyer, but I

0:15:29.160 --> 0:15:32.560
<v Speaker 1>like someone was like, whatever, she's getting all the accolades,

0:15:32.560 --> 0:15:34.600
<v Speaker 1>but really it's the sister behind the scenes that's really

0:15:34.640 --> 0:15:36.240
<v Speaker 1>doing the leg work. I don't think anyone's under the

0:15:36.280 --> 0:15:39.440
<v Speaker 1>illusion that Kim is like doing like the legwork. But

0:15:39.480 --> 0:15:42.760
<v Speaker 1>what she is doing is using her her fame and

0:15:42.800 --> 0:15:45.400
<v Speaker 1>shining a light on things that that sister probably was

0:15:45.400 --> 0:15:47.600
<v Speaker 1>doing all his work for and nobody cared. So I'll

0:15:47.640 --> 0:15:50.920
<v Speaker 1>take it. Shoot, you know, like you're right, you know,

0:15:51.720 --> 0:15:54.080
<v Speaker 1>it could be like you said, she could be. I mean,

0:15:54.120 --> 0:15:56.520
<v Speaker 1>we have enough lip kits and we have enough you know,

0:15:56.520 --> 0:15:58.440
<v Speaker 1>booty shots of her, and you know she could just

0:15:58.480 --> 0:16:01.080
<v Speaker 1>be like, well, who cares my problem? I'm gonna be

0:16:01.160 --> 0:16:04.120
<v Speaker 1>rich regardless, you know, but she hasn't, you know, so

0:16:04.640 --> 0:16:07.480
<v Speaker 1>I don't need her to write the brief and to

0:16:07.840 --> 0:16:09.840
<v Speaker 1>you know, but the fact that she can get into

0:16:09.920 --> 0:16:13.000
<v Speaker 1>rooms that other folks cannot, then, you know, and if

0:16:13.040 --> 0:16:14.840
<v Speaker 1>you're going to if you're going to have this kind

0:16:14.840 --> 0:16:17.360
<v Speaker 1>of like fame and infamy, then use it. And she is.

0:16:17.400 --> 0:16:19.440
<v Speaker 1>So I'm like, whatever, good on her.

0:16:19.720 --> 0:16:24.960
<v Speaker 2>We'll take it. And that is your buzzworthy news update

0:16:25.040 --> 0:16:26.480
<v Speaker 2>for the week. I hope you feel prepared.

0:16:28.920 --> 0:16:30.720
<v Speaker 1>Just random like house upding. Why. I went to the

0:16:30.720 --> 0:16:32.360
<v Speaker 1>house and they like, hey, everything's going, get you guys done.

0:16:32.400 --> 0:16:36.320
<v Speaker 1>What's done? The main main line waterline, I don't know

0:16:36.360 --> 0:16:38.160
<v Speaker 1>what they call it is backed up. I'm like, what

0:16:38.200 --> 0:16:40.760
<v Speaker 1>does that mean. They're like, somebody has to we have

0:16:40.760 --> 0:16:42.800
<v Speaker 1>to get an industrial snake. I'm like, what does that mean?

0:16:43.000 --> 0:16:44.840
<v Speaker 2>Oh, like a sewer lines what that?

0:16:45.000 --> 0:16:45.240
<v Speaker 1>Yeah?

0:16:45.360 --> 0:16:47.400
<v Speaker 2>Like Yumi, I.

0:16:47.440 --> 0:16:50.480
<v Speaker 1>Was like, so what does that mean? And so I

0:16:50.560 --> 0:16:53.200
<v Speaker 1>call this thing called roller router. I guess they bring

0:16:53.240 --> 0:16:55.680
<v Speaker 1>this like industrial snake and they like, you know, basically

0:16:56.800 --> 0:16:59.040
<v Speaker 1>push whatever it is. Because at one point before we

0:16:59.040 --> 0:17:01.680
<v Speaker 1>bought the house, it was it was bacant for years,

0:17:01.680 --> 0:17:03.760
<v Speaker 1>so like it dries up in like the pipe, I guess,

0:17:04.280 --> 0:17:07.840
<v Speaker 1>I don't know. So anyway, three hundred and fifty dollars.

0:17:07.600 --> 0:17:11.000
<v Speaker 2>Later, oh you know, but aren't you at the point

0:17:11.000 --> 0:17:12.760
<v Speaker 2>where that doesn't seem like that much money because you're

0:17:12.760 --> 0:17:14.720
<v Speaker 2>like so diluted by the cross of everything.

0:17:15.119 --> 0:17:18.280
<v Speaker 1>I know, Okay, just take my money. I don't even,

0:17:18.800 --> 0:17:22.560
<v Speaker 1>I don't even. It's fine, yeah, fine, so yeah, but yeah,

0:17:22.680 --> 0:17:24.920
<v Speaker 1>those days, I'm just like, we're so coold. I've learned

0:17:24.960 --> 0:17:26.879
<v Speaker 1>to just be like, you know, whatever comms it comes,

0:17:26.880 --> 0:17:28.239
<v Speaker 1>and we'll be able to handle it.

0:17:28.320 --> 0:17:30.919
<v Speaker 2>So I'm such an idiot. Although maybe I feel like

0:17:30.960 --> 0:17:32.560
<v Speaker 2>this has happened. I don't know if you've ever used.

0:17:32.640 --> 0:17:36.240
<v Speaker 2>I love Thosechlorox toilet wands, like the disposable ones that

0:17:36.280 --> 0:17:39.919
<v Speaker 2>you because I think toilet brushes are so freaking disgusting,

0:17:40.160 --> 0:17:42.000
<v Speaker 2>like to have a toilet brush in your bathroom at

0:17:42.000 --> 0:17:43.800
<v Speaker 2>all times that you use for the toilet and just

0:17:43.800 --> 0:17:46.160
<v Speaker 2>like sitting there on the floor, it grosses me out.

0:17:46.240 --> 0:17:49.000
<v Speaker 2>So the toilet WANs, you know, you like pop the

0:17:49.040 --> 0:17:51.600
<v Speaker 2>little the little the new wand head on and you

0:17:51.640 --> 0:17:53.879
<v Speaker 2>scrub your toilet and then when you're done, you have

0:17:53.960 --> 0:17:56.119
<v Speaker 2>a little button and an injects into the trash. Can

0:17:56.680 --> 0:18:00.159
<v Speaker 2>somehow my idiotself right when I flush the toilet, I

0:18:00.160 --> 0:18:05.080
<v Speaker 2>accidentally ejected the the wand head into the toilet, so

0:18:05.480 --> 0:18:07.720
<v Speaker 2>it has been clogged all week because there's like a

0:18:07.760 --> 0:18:12.800
<v Speaker 2>toilet head like somewhere in the drain. So I was like, Husbie,

0:18:12.960 --> 0:18:17.879
<v Speaker 2>your first plumbing project, and he's been researching, what.

0:18:17.920 --> 0:18:20.840
<v Speaker 1>Did you maybe get a snake like the like these

0:18:20.880 --> 0:18:21.240
<v Speaker 1>we wore.

0:18:21.240 --> 0:18:24.120
<v Speaker 2>One snakes work for that? I mean, he's he's researching.

0:18:24.200 --> 0:18:27.119
<v Speaker 2>I think because I've have a history, I realized this

0:18:27.200 --> 0:18:29.560
<v Speaker 2>of like flushing random things down the toy My mom

0:18:29.600 --> 0:18:32.560
<v Speaker 2>swears I used to flush power Ranger toys down the toilet,

0:18:32.560 --> 0:18:35.480
<v Speaker 2>and I was kidd yeah. And then one time, I

0:18:35.480 --> 0:18:38.040
<v Speaker 2>don't think my roommate, my ex roommate listens to this podcast,

0:18:38.080 --> 0:18:41.680
<v Speaker 2>but it was me, Ellie, I flushed your glasses down

0:18:41.720 --> 0:18:44.399
<v Speaker 2>the toilet that at one time, and I did it.

0:18:44.840 --> 0:18:47.320
<v Speaker 2>I just they were like behind me on the ledge

0:18:47.359 --> 0:18:49.320
<v Speaker 2>and I got up and they fell in. At the

0:18:49.400 --> 0:18:51.320
<v Speaker 2>corner of my eye, I saw something and I was

0:18:51.359 --> 0:18:54.160
<v Speaker 2>like with those glasses, but I was never one hundred

0:18:54.200 --> 0:18:57.040
<v Speaker 2>percent sure. So when the toilet got backed up, I

0:18:57.119 --> 0:18:59.720
<v Speaker 2>was like, I don't know for sure what was there?

0:18:59.760 --> 0:19:02.240
<v Speaker 2>And then she was like, where are my glasses? So weird?

0:19:02.840 --> 0:19:05.320
<v Speaker 2>And then finally our super drained our toilet and took

0:19:05.320 --> 0:19:08.800
<v Speaker 2>apart the little like spendy thing and he was like, oh,

0:19:08.960 --> 0:19:12.600
<v Speaker 2>look so funny. Here are these bent up glasses. And

0:19:12.680 --> 0:19:17.000
<v Speaker 2>I never responsibility. I was too deep for the lie.

0:19:17.800 --> 0:19:19.560
<v Speaker 1>It's too like, I can't go back now.

0:19:20.400 --> 0:19:22.639
<v Speaker 2>She probably knew it was me, but uh, that's my

0:19:22.720 --> 0:19:25.120
<v Speaker 2>confession anyway. Don't let me need your toilets.

0:19:27.280 --> 0:19:29.399
<v Speaker 1>But yeah, so I was just like, whatever, just finish,

0:19:29.800 --> 0:19:33.000
<v Speaker 1>so getting closer, getting closer. So those are things like

0:19:33.119 --> 0:19:36.000
<v Speaker 1>it's poor poor Drina. She was like, oh they had

0:19:36.000 --> 0:19:38.000
<v Speaker 1>a gas leak. She just bought a house too. She's like,

0:19:38.160 --> 0:19:40.640
<v Speaker 1>is this life? I feel like every week we're comparing

0:19:40.760 --> 0:19:44.160
<v Speaker 1>like oh really we're broke. Oh me too. So it's

0:19:44.240 --> 0:19:46.320
<v Speaker 1>like I gotta get Yeah, now that scary. And I

0:19:46.359 --> 0:19:48.320
<v Speaker 1>was like, you gotta get your mom gas nose up.

0:19:48.440 --> 0:19:49.959
<v Speaker 1>You know how moms can smell gas from like ten

0:19:50.000 --> 0:19:50.800
<v Speaker 1>thousand miles away.

0:19:51.440 --> 0:19:52.760
<v Speaker 2>I didn't know that. Is that a thing?

0:19:53.320 --> 0:19:55.159
<v Speaker 1>Yeah, like mom's would be like I smell gas. My

0:19:55.160 --> 0:19:56.800
<v Speaker 1>mom used to always be like I feel like every

0:19:56.800 --> 0:19:59.000
<v Speaker 1>mom I know I smell gas. I smell gas. I

0:19:59.000 --> 0:20:01.600
<v Speaker 1>remember one of my mom's the gas leak a block away.

0:20:02.000 --> 0:20:03.520
<v Speaker 1>She's like, I s no gas. I'm like, mommy, there's

0:20:03.560 --> 0:20:05.520
<v Speaker 1>no gas in the house. And it wasn't. So she

0:20:05.600 --> 0:20:08.040
<v Speaker 1>called the gas company and they checked. She's like no,

0:20:08.119 --> 0:20:10.320
<v Speaker 1>she was insistent, and sure enough there were actually was

0:20:10.320 --> 0:20:12.600
<v Speaker 1>a gas leak, not in the house, but like I

0:20:12.600 --> 0:20:14.520
<v Speaker 1>guess in the street or something like that, like a

0:20:15.040 --> 0:20:17.040
<v Speaker 1>like a block or so down. I was like, how

0:20:17.160 --> 0:20:19.399
<v Speaker 1>you know what, I just I have to bow down

0:20:19.440 --> 0:20:20.120
<v Speaker 1>to the mom nose.

0:20:20.440 --> 0:20:21.560
<v Speaker 2>That's like a superpower.

0:20:21.880 --> 0:20:24.880
<v Speaker 1>It is a superpower. It's no gas.

0:20:25.680 --> 0:20:28.080
<v Speaker 2>Homeowners insurance, man, gotta get that Gico?

0:20:28.280 --> 0:20:31.040
<v Speaker 1>Yeah, for real? Is that what you have? You have Geico?

0:20:31.320 --> 0:20:33.399
<v Speaker 2>I don't know, it just it just went well with

0:20:33.520 --> 0:20:34.200
<v Speaker 2>gotta get.

0:20:35.600 --> 0:20:37.679
<v Speaker 1>Yeah. But now homeowners insurance for sure? For sure, you

0:20:37.680 --> 0:20:38.440
<v Speaker 1>definitely want that.

0:20:39.080 --> 0:20:41.879
<v Speaker 2>Yeah, you know, like under insured under we could do

0:20:41.880 --> 0:20:44.000
<v Speaker 2>a whole episode of insurance because I feel like one

0:20:44.040 --> 0:20:46.439
<v Speaker 2>of the biggest people don't think about insurance as like

0:20:46.440 --> 0:20:48.680
<v Speaker 2>a part of their financial planning. They think about investing

0:20:48.800 --> 0:20:52.800
<v Speaker 2>and saving. But insurance, baby, that is where the true

0:20:53.240 --> 0:20:56.760
<v Speaker 2>like life insurance, home insurance, that's where the true protection

0:20:56.960 --> 0:20:58.760
<v Speaker 2>is at. So you need. I don't think you can't

0:20:58.760 --> 0:21:01.560
<v Speaker 2>even get a mortgage without home insurance, so that's not

0:21:01.640 --> 0:21:05.199
<v Speaker 2>a question. You just gotta shop around and find the

0:21:05.240 --> 0:21:11.000
<v Speaker 2>right policy exactly how you Well, you'll be in soon enough,

0:21:11.000 --> 0:21:12.040
<v Speaker 2>fear not. Don't worry.

0:21:12.560 --> 0:21:14.119
<v Speaker 1>Yeah no, at this twint you know, you just be

0:21:14.160 --> 0:21:16.280
<v Speaker 1>like whatever, I'm just going to flow these days.

0:21:17.480 --> 0:21:19.920
<v Speaker 2>Fingers crossed. All right, let's take a quick break and

0:21:19.920 --> 0:21:54.880
<v Speaker 2>it'll be right back to answer your questions, and we're back.

0:21:54.920 --> 0:21:56.000
<v Speaker 2>Ready for some questions.

0:21:57.160 --> 0:21:59.439
<v Speaker 1>Yes, I'm ready for someome questions.

0:22:00.600 --> 0:22:04.640
<v Speaker 2>I went to my DMS where you guys grammed me

0:22:04.720 --> 0:22:08.119
<v Speaker 2>some questions. Thank you for all your questions. I was

0:22:08.160 --> 0:22:10.520
<v Speaker 2>just laughing because I'm like, damn, no one sends email anymore.

0:22:10.520 --> 0:22:14.879
<v Speaker 2>It's all grams like Instagram messages. That's fine, more than fine,

0:22:14.920 --> 0:22:19.119
<v Speaker 2>as long as you are specific. Let's see. So first

0:22:19.200 --> 0:22:23.720
<v Speaker 2>question comes from listeners Stefania, which is really fun to say,

0:22:24.040 --> 0:22:26.720
<v Speaker 2>and she has a question about she has a question

0:22:26.760 --> 0:22:30.400
<v Speaker 2>about credit card debt. Let's see. All right, Hello ladies,

0:22:30.400 --> 0:22:33.080
<v Speaker 2>my name is Stefana from California. I love listening every

0:22:33.080 --> 0:22:36.440
<v Speaker 2>Wednesday and need some advice. I currently have about thirteen

0:22:36.480 --> 0:22:38.560
<v Speaker 2>thousand dollars in credit card debt, and I want to

0:22:38.600 --> 0:22:41.480
<v Speaker 2>figure out the best way to pay all these cards

0:22:41.520 --> 0:22:45.119
<v Speaker 2>off while improving my credit and reducing the hundreds of

0:22:45.240 --> 0:22:49.439
<v Speaker 2>dollars in interest i'm giving away each month. All of

0:22:49.440 --> 0:22:52.119
<v Speaker 2>my credit cards right now have really high interest rates

0:22:52.160 --> 0:22:56.399
<v Speaker 2>of more than twenty five percent ouch. So my question

0:22:56.520 --> 0:22:58.880
<v Speaker 2>is how do I handle this? Should I pay one

0:22:58.920 --> 0:23:01.040
<v Speaker 2>card off at a time, or should I try to

0:23:01.040 --> 0:23:04.600
<v Speaker 2>get them to where they're all down to thirty percent utilization? Oh,

0:23:04.640 --> 0:23:08.439
<v Speaker 2>someone's been listening. Yeah, since they all have around the

0:23:08.440 --> 0:23:11.200
<v Speaker 2>same interest rate right now, I'm just focusing on paying

0:23:11.240 --> 0:23:14.800
<v Speaker 2>the smallest amount. But the card that has over seventy

0:23:14.840 --> 0:23:18.400
<v Speaker 2>percent utilization rate is charging so much interest each month?

0:23:18.480 --> 0:23:20.840
<v Speaker 2>Please help? I hope this makes sense. So I sent

0:23:20.840 --> 0:23:22.760
<v Speaker 2>her a follow up question asking her what her credit

0:23:22.760 --> 0:23:25.800
<v Speaker 2>score is, because it's actually really important to know it is,

0:23:26.080 --> 0:23:28.040
<v Speaker 2>and her credit score is actually really good, she says.

0:23:28.200 --> 0:23:30.680
<v Speaker 2>At the time she sent the message, it was six' eighty,

0:23:30.680 --> 0:23:32.159
<v Speaker 2>but now it's up to seven fifty.

0:23:32.640 --> 0:23:33.639
<v Speaker 1>Okay, that's great.

0:23:34.160 --> 0:23:37.399
<v Speaker 2>That happened because she said she paid off one of

0:23:37.440 --> 0:23:41.400
<v Speaker 2>the higher balance cards and that lowered her utilization rate,

0:23:41.440 --> 0:23:43.359
<v Speaker 2>which caused her a score to jump. What do you say,

0:23:43.480 --> 0:23:47.879
<v Speaker 2>jump like Jordan's jump up points. That's huge.

0:23:47.880 --> 0:23:49.840
<v Speaker 1>That is huge, It's huge.

0:23:50.480 --> 0:23:52.399
<v Speaker 2>So that's just supposed to show you can still have

0:23:52.480 --> 0:23:54.359
<v Speaker 2>credit card debt and have really high credit as long

0:23:54.359 --> 0:23:57.600
<v Speaker 2>as you're making your payments on time. But making your

0:23:57.600 --> 0:24:00.400
<v Speaker 2>payments on time, and you know that debt, you're paying

0:24:00.400 --> 0:24:03.679
<v Speaker 2>twenty five percent interest rate on fourteen thousand dollars to

0:24:03.800 --> 0:24:05.880
<v Speaker 2>keep that high credit score and make your payments on time,

0:24:05.880 --> 0:24:07.920
<v Speaker 2>You're gonna be paying for years to come if you don't,

0:24:08.160 --> 0:24:09.280
<v Speaker 2>if you don't handle it.

0:24:09.760 --> 0:24:11.920
<v Speaker 1>Yeah, I I'm glad you asked her about the the

0:24:13.160 --> 0:24:16.439
<v Speaker 1>her credit score, because if it was me, what's her

0:24:16.520 --> 0:24:20.360
<v Speaker 1>name again, Stefania Stefaniya, I forgot. I want a beautiful name.

0:24:20.960 --> 0:24:24.760
<v Speaker 1>I would the one that had the highest utilization, like

0:24:24.800 --> 0:24:28.120
<v Speaker 1>you know whatever, you're using seventy five percent. I would

0:24:28.280 --> 0:24:32.000
<v Speaker 1>look to possibly open up a card and do like

0:24:32.440 --> 0:24:37.080
<v Speaker 1>a rollover so lending Tree, Mandy's place, and that's what

0:24:37.119 --> 0:24:39.320
<v Speaker 1>I did, like when I was looking for myself, when

0:24:39.359 --> 0:24:41.480
<v Speaker 1>I wanted to like roll over, because if you've got

0:24:41.480 --> 0:24:43.560
<v Speaker 1>decent credit, and even though I know a lot of

0:24:43.840 --> 0:24:45.960
<v Speaker 1>financial groups are like, don't get debt to get out

0:24:45.960 --> 0:24:50.119
<v Speaker 1>of debt, whatever, you know, because you can potentially, especially

0:24:50.119 --> 0:24:54.160
<v Speaker 1>if you've got great credit, you can likely qualify for

0:24:54.280 --> 0:24:55.840
<v Speaker 1>a Oh is it just.

0:24:55.800 --> 0:24:57.080
<v Speaker 2>Getting my mailance transfer?

0:24:57.600 --> 0:25:00.480
<v Speaker 1>Thank you? I was like, goodness, old lady coup a

0:25:00.560 --> 0:25:03.879
<v Speaker 1>balance transfer card, which typically if you've got great credit.

0:25:03.960 --> 0:25:05.960
<v Speaker 1>I had such good credit when I first did this

0:25:06.080 --> 0:25:08.119
<v Speaker 1>that I was able to get a balance transfer card

0:25:08.240 --> 0:25:10.840
<v Speaker 1>where I could pay zero percent interest. It was nearly

0:25:10.880 --> 0:25:13.800
<v Speaker 1>two years, so usually it'll be anywhere from six months

0:25:13.800 --> 0:25:16.440
<v Speaker 1>typically to a year. But if you got great credit,

0:25:16.520 --> 0:25:18.680
<v Speaker 1>which you do, because seven fifty is the beginning of

0:25:18.720 --> 0:25:21.280
<v Speaker 1>perfect credit, that you might be able to get even longer.

0:25:21.320 --> 0:25:24.879
<v Speaker 1>You're a zero percent interest extended to you. So what

0:25:24.920 --> 0:25:27.040
<v Speaker 1>that means is, now, let's just say you owe seven

0:25:27.080 --> 0:25:29.719
<v Speaker 1>thousand dollars on that card and you're able to get Now,

0:25:29.760 --> 0:25:31.840
<v Speaker 1>you want to be mindful because they might not give

0:25:31.840 --> 0:25:34.800
<v Speaker 1>you a limit of seven thousand dollars. I usually try

0:25:34.800 --> 0:25:36.760
<v Speaker 1>to ask ahead of time, and sometimes they're like hedgy

0:25:36.800 --> 0:25:39.280
<v Speaker 1>about it, but still ask like, what do you think

0:25:39.280 --> 0:25:42.639
<v Speaker 1>I'm going to be qualified for? Roll over that amount

0:25:42.640 --> 0:25:44.359
<v Speaker 1>from one card to the next, so that way you

0:25:44.400 --> 0:25:47.080
<v Speaker 1>can then focus on that one card and getting it

0:25:47.200 --> 0:25:49.640
<v Speaker 1>paid off, because you know that all your money's going

0:25:49.720 --> 0:25:53.200
<v Speaker 1>directly to the principle, So I would I would look

0:25:53.240 --> 0:25:55.400
<v Speaker 1>to do that, definitely a balanced transfer for at least

0:25:55.480 --> 0:26:00.480
<v Speaker 1>one of those cards, and I would use this snowball method,

0:26:00.760 --> 0:26:03.960
<v Speaker 1>especially since your interest rates are pretty much all the same.

0:26:04.400 --> 0:26:06.800
<v Speaker 1>I would pay off the card with the new zero

0:26:06.880 --> 0:26:10.000
<v Speaker 1>percent interest rate. Like when you do the slowball method,

0:26:10.200 --> 0:26:12.840
<v Speaker 1>you kind of like line your cards up in priority,

0:26:12.920 --> 0:26:15.359
<v Speaker 1>and you pay one card at a time while paying

0:26:15.400 --> 0:26:18.080
<v Speaker 1>the minimum to the others, and just really focus your

0:26:18.119 --> 0:26:20.720
<v Speaker 1>time and energy on that one card. And then once

0:26:20.760 --> 0:26:23.320
<v Speaker 1>that card is paid off, you take its minimum the

0:26:23.359 --> 0:26:25.120
<v Speaker 1>extra money you were paying it and put it toward

0:26:25.160 --> 0:26:28.000
<v Speaker 1>the next card on your list. And so if that

0:26:28.040 --> 0:26:30.720
<v Speaker 1>card gets the first card's minimum, it's minimum and the

0:26:30.840 --> 0:26:32.760
<v Speaker 1>extra money, and when it's paid off, you roll it

0:26:32.800 --> 0:26:34.400
<v Speaker 1>over to the next card, and before you know it,

0:26:35.280 --> 0:26:37.280
<v Speaker 1>you know your credit card debt free. That's how I

0:26:37.320 --> 0:26:39.320
<v Speaker 1>paid off. I think I was thirty five thousand dollars

0:26:39.320 --> 0:26:42.440
<v Speaker 1>in credit card debt. This is post recession. I didn't

0:26:42.440 --> 0:26:44.600
<v Speaker 1>really have a job. It took me about two and

0:26:44.600 --> 0:26:46.840
<v Speaker 1>a half years, and I didn't have a job like

0:26:46.880 --> 0:26:50.320
<v Speaker 1>I'd never after the recession. I never got another real

0:26:50.400 --> 0:26:53.160
<v Speaker 1>job again. I had unemployment and I was like babysitting

0:26:53.200 --> 0:26:55.680
<v Speaker 1>and tutoring and stuff like that, and I was able

0:26:55.680 --> 0:26:57.400
<v Speaker 1>to pay that off in about two and a half year.

0:26:57.480 --> 0:27:01.200
<v Speaker 1>So it's the snowball method really does work, especially if

0:27:01.200 --> 0:27:02.680
<v Speaker 1>you use balance transfers.

0:27:03.040 --> 0:27:06.320
<v Speaker 2>Yeah, I agree one thousand percent. The only thing with

0:27:06.320 --> 0:27:09.200
<v Speaker 2>the balance transfer. Just a couple of things to watch

0:27:09.200 --> 0:27:12.639
<v Speaker 2>out for is don't make the mistake of taking a

0:27:12.720 --> 0:27:15.560
<v Speaker 2>vacation because oh, you're like, I just I've caught myself

0:27:15.600 --> 0:27:17.720
<v Speaker 2>a break. You know, I'm not paying twenty five percent

0:27:17.720 --> 0:27:19.880
<v Speaker 2>interests on this card anymore because I roll the balance

0:27:19.880 --> 0:27:23.840
<v Speaker 2>over on this new card and stop paying down the debt.

0:27:23.920 --> 0:27:27.240
<v Speaker 2>Because eventually that balance transfer deal will end, and you've

0:27:27.240 --> 0:27:29.240
<v Speaker 2>got to make a plan to pay it off before

0:27:29.280 --> 0:27:32.760
<v Speaker 2>it does. What can happen if you don't finish paying

0:27:32.760 --> 0:27:35.960
<v Speaker 2>off your balance transfer card before the promo period ends

0:27:36.359 --> 0:27:38.520
<v Speaker 2>is that one a new much higher and you can

0:27:38.560 --> 0:27:40.880
<v Speaker 2>believe it's gonna be much higher interest rate will start applying,

0:27:40.920 --> 0:27:45.159
<v Speaker 2>probably in the high twenty percent range that seems to

0:27:45.160 --> 0:27:48.680
<v Speaker 2>be the norm these days. And two, some cards may

0:27:48.720 --> 0:27:52.040
<v Speaker 2>have a deferred interest clause, which means they will go

0:27:52.160 --> 0:27:54.320
<v Speaker 2>back to the very first day you start, you open

0:27:54.400 --> 0:27:56.679
<v Speaker 2>that card and act as if you should have been

0:27:56.720 --> 0:27:59.600
<v Speaker 2>paying interest the whole time, and they will throw that

0:27:59.640 --> 0:28:03.400
<v Speaker 2>interest charge for the entire amount you transferred onto your balance,

0:28:03.440 --> 0:28:05.960
<v Speaker 2>which just puts you back in a bad spot. So,

0:28:07.160 --> 0:28:09.600
<v Speaker 2>you know, sometimes you may feel like, Okay, it's not

0:28:09.640 --> 0:28:12.560
<v Speaker 2>going to be I can make aggressive payments, you know,

0:28:12.960 --> 0:28:15.320
<v Speaker 2>over this twelve month period, but I won't be able

0:28:15.359 --> 0:28:17.040
<v Speaker 2>to pay it off in time. Just make sure that

0:28:17.080 --> 0:28:20.160
<v Speaker 2>you're keeping your credit score high because like a few

0:28:20.200 --> 0:28:22.840
<v Speaker 2>weeks before that promo period ends, you can apply for

0:28:22.880 --> 0:28:25.800
<v Speaker 2>another balance transfer and you know, take advantage of another

0:28:25.840 --> 0:28:28.080
<v Speaker 2>offer and like carry it over them. That way, you

0:28:28.200 --> 0:28:30.880
<v Speaker 2>just really got to stay on top of it. If

0:28:30.880 --> 0:28:33.639
<v Speaker 2>you want an option that doesn't have that risk of

0:28:33.760 --> 0:28:36.840
<v Speaker 2>you know, deferred interest or you know, the risk that

0:28:36.920 --> 0:28:38.440
<v Speaker 2>you won't pay it off in time and then you'll

0:28:38.440 --> 0:28:41.800
<v Speaker 2>get hit with you know, double digit interest again, you

0:28:41.800 --> 0:28:44.040
<v Speaker 2>could do a balance transfer and get that zero percent

0:28:44.080 --> 0:28:47.400
<v Speaker 2>intro that promo APR for you know, twelve months. Like

0:28:47.440 --> 0:28:49.880
<v Speaker 2>I said, we'll keep the same example. And then if

0:28:49.920 --> 0:28:52.360
<v Speaker 2>you think you're not going to pay it off and

0:28:52.440 --> 0:28:55.520
<v Speaker 2>you maybe you won't qualify for another zero percent APR

0:28:55.720 --> 0:28:59.480
<v Speaker 2>or you want a longer term, a longer amount of

0:28:59.480 --> 0:29:02.600
<v Speaker 2>time to pay it back. You can look into applying

0:29:02.640 --> 0:29:06.160
<v Speaker 2>for a small personal loan and using that loan, like

0:29:06.200 --> 0:29:08.560
<v Speaker 2>through a credit union or an online lender, to pay

0:29:08.600 --> 0:29:11.280
<v Speaker 2>off the rest of your debt. And the beauty of

0:29:11.280 --> 0:29:13.400
<v Speaker 2>a personal loan is that if you have high credit,

0:29:13.400 --> 0:29:15.520
<v Speaker 2>you can get a decent rate usually, especially if you

0:29:15.560 --> 0:29:17.680
<v Speaker 2>go to a credit union. It's not going to be

0:29:17.800 --> 0:29:20.520
<v Speaker 2>zero percent like a balance transfer, but it's a fixed rate,

0:29:20.600 --> 0:29:22.800
<v Speaker 2>which means it won't go up or down. And it's

0:29:22.800 --> 0:29:26.200
<v Speaker 2>a fixed term, which means you know exactly how long

0:29:26.320 --> 0:29:28.200
<v Speaker 2>you have to pay back the debt. It's all baked

0:29:28.200 --> 0:29:31.120
<v Speaker 2>into your your monthly payment, and it's just like a

0:29:31.160 --> 0:29:35.400
<v Speaker 2>structured way to pay off that balance. So just take

0:29:35.440 --> 0:29:38.080
<v Speaker 2>all that into consideration. You know, if you want to

0:29:38.080 --> 0:29:41.920
<v Speaker 2>consult an expert, you know, that's always a good idea too.

0:29:42.280 --> 0:29:45.800
<v Speaker 2>But that thirteen thousand dollars, you know, if you really

0:29:45.840 --> 0:29:49.680
<v Speaker 2>work aggressively and you take advantage of the offers that

0:29:49.720 --> 0:29:52.440
<v Speaker 2>are available to you because you have good credit, I

0:29:52.480 --> 0:29:55.200
<v Speaker 2>feel like you can you can definitely tackle it and

0:29:55.240 --> 0:29:57.440
<v Speaker 2>pay way less than what you're paying now in interest.

0:29:57.880 --> 0:29:59.800
<v Speaker 1>Exactly. You can do it, believe me. You can de

0:30:00.160 --> 0:30:01.800
<v Speaker 1>that you got your credit score to where it is

0:30:01.840 --> 0:30:03.959
<v Speaker 1>now and you paid off a card already. Lets us

0:30:04.000 --> 0:30:07.000
<v Speaker 1>know that you are already in the game. Booboo. You starting

0:30:07.400 --> 0:30:08.240
<v Speaker 1>just got to continue.

0:30:09.040 --> 0:30:13.560
<v Speaker 2>Well, thank you for your questions, Stefania. All right, let's see.

0:30:13.640 --> 0:30:16.600
<v Speaker 2>So what's take another one from the Graham. This one

0:30:16.640 --> 0:30:20.080
<v Speaker 2>is from oh so, this one wants to remain anonymous. Oh,

0:30:20.080 --> 0:30:22.360
<v Speaker 2>I need like a Instagram intern. Where did it go?

0:30:24.440 --> 0:30:24.560
<v Speaker 3>Oh?

0:30:24.600 --> 0:30:27.480
<v Speaker 2>Here it is? Okay? Hey, hey, hey ladies. I love

0:30:27.600 --> 0:30:29.760
<v Speaker 2>the show. I love to be anonymous. I have a

0:30:29.840 --> 0:30:32.040
<v Speaker 2>question that is not quite money related, but has to

0:30:32.040 --> 0:30:35.000
<v Speaker 2>deal with advancing in my current position at work. I

0:30:35.040 --> 0:30:37.760
<v Speaker 2>work in finance, so I deal with pretty much all

0:30:37.840 --> 0:30:40.640
<v Speaker 2>the departments in the office. There is an employee that

0:30:40.720 --> 0:30:42.840
<v Speaker 2>works in one department that is not fond of me.

0:30:42.920 --> 0:30:45.760
<v Speaker 2>For whatever reason. We used to speak, but not anymore.

0:30:46.360 --> 0:30:49.000
<v Speaker 2>My boss says I should try to rekindle our relationships

0:30:49.000 --> 0:30:51.200
<v Speaker 2>since I want to try to move up into management.

0:30:51.400 --> 0:30:53.520
<v Speaker 2>He says, being in management, you will have to learn

0:30:53.560 --> 0:30:56.000
<v Speaker 2>to deal with people you don't like. I don't want

0:30:56.000 --> 0:30:58.840
<v Speaker 2>to put my energy towards it. Though our office is small,

0:30:58.880 --> 0:31:00.800
<v Speaker 2>and she has made it known that he doesn't like me.

0:31:01.400 --> 0:31:03.440
<v Speaker 2>Do you guys really think something like this would be

0:31:03.520 --> 0:31:06.520
<v Speaker 2>reason for upper management to not promote me. I do

0:31:06.600 --> 0:31:08.800
<v Speaker 2>my job well and I get along with everyone else.

0:31:09.040 --> 0:31:11.920
<v Speaker 2>Do either of you have advice for a situation like this?

0:31:12.960 --> 0:31:18.560
<v Speaker 2>Thanks in advance. That's a really interesting question, and I

0:31:18.600 --> 0:31:20.040
<v Speaker 2>can I take lead on Yeah?

0:31:20.080 --> 0:31:22.360
<v Speaker 1>Please, I was gonna say, I literally have no It's

0:31:22.360 --> 0:31:25.040
<v Speaker 1>been so long since I'm like, I have no idea.

0:31:25.080 --> 0:31:29.240
<v Speaker 2>This is my territory. Back off, ooh, office corporate politics

0:31:29.240 --> 0:31:31.040
<v Speaker 2>my fave. So I run a team, I have a

0:31:31.040 --> 0:31:34.480
<v Speaker 2>bunch of I manage managers, I've promoted managers. I think

0:31:34.480 --> 0:31:36.800
<v Speaker 2>about promoting managers all the time and who I promote

0:31:36.800 --> 0:31:39.000
<v Speaker 2>and whatever. So I can tell you how I think

0:31:39.000 --> 0:31:41.880
<v Speaker 2>about this. I agree with your boss. It is important

0:31:41.920 --> 0:31:44.800
<v Speaker 2>to demonstrate if you want to be a leader, that

0:31:44.840 --> 0:31:48.680
<v Speaker 2>you can collaborate and work cross functionally. And I personally,

0:31:48.720 --> 0:31:50.800
<v Speaker 2>I was just having this conversation last week with someone

0:31:50.800 --> 0:31:53.120
<v Speaker 2>on my team because they were having issues with someone

0:31:53.120 --> 0:31:55.000
<v Speaker 2>else on the team who doesn't report to them, but

0:31:55.040 --> 0:31:57.960
<v Speaker 2>they have to work together. Sometimes it is the hardest

0:31:58.000 --> 0:32:02.520
<v Speaker 2>relationship to keep healthy and maintain when someone it's not

0:32:02.560 --> 0:32:05.200
<v Speaker 2>a clear direct report relationship, but you need something out

0:32:05.240 --> 0:32:09.360
<v Speaker 2>of that person, and you know, it seems like some somehow,

0:32:09.400 --> 0:32:11.360
<v Speaker 2>some way, you guys ended up in a negative space.

0:32:12.160 --> 0:32:14.280
<v Speaker 2>You know, forget about your promotion for a second. I

0:32:14.280 --> 0:32:17.000
<v Speaker 2>would encourage you just for like your own you know,

0:32:17.040 --> 0:32:20.360
<v Speaker 2>your own comfort comfort level at work, try to you know,

0:32:20.400 --> 0:32:23.080
<v Speaker 2>be the bigger person and try to mend that relationship.

0:32:23.120 --> 0:32:25.160
<v Speaker 2>Because I hate when you have tension with someone at

0:32:25.160 --> 0:32:27.320
<v Speaker 2>the office. It just kind of like, I don't know,

0:32:27.320 --> 0:32:29.840
<v Speaker 2>it puts that energy out into the world and people

0:32:29.960 --> 0:32:34.400
<v Speaker 2>tend to notice it. And personally, I in some ways

0:32:34.440 --> 0:32:37.480
<v Speaker 2>agree with your manager. I might think twice about promoting

0:32:37.520 --> 0:32:40.880
<v Speaker 2>someone if I see that they're not mature enough to

0:32:41.600 --> 0:32:43.280
<v Speaker 2>you know, at least try and put their best foot

0:32:43.320 --> 0:32:47.800
<v Speaker 2>forward with another colleague. Now, if this colleague, you know,

0:32:47.840 --> 0:32:50.800
<v Speaker 2>you try and put your best foot forward, you demonstrate

0:32:50.840 --> 0:32:53.680
<v Speaker 2>this to your manager, and still the other like you're

0:32:53.680 --> 0:32:56.600
<v Speaker 2>not getting anything in return on from the other side.

0:32:57.040 --> 0:32:59.480
<v Speaker 2>You know, I would express that to your manager, not

0:32:59.520 --> 0:33:01.640
<v Speaker 2>in a way that's like, well she won't talk to me,

0:33:01.760 --> 0:33:04.160
<v Speaker 2>or like in a blamey kind of childish way, but

0:33:04.320 --> 0:33:07.240
<v Speaker 2>show what steps you've taken, what efforts you made to

0:33:07.560 --> 0:33:10.160
<v Speaker 2>improve that relationship, so your manager at least knows that

0:33:10.480 --> 0:33:12.600
<v Speaker 2>you know, you put in good faith effort and you

0:33:12.640 --> 0:33:15.840
<v Speaker 2>really do care you and you want to try and

0:33:16.000 --> 0:33:19.440
<v Speaker 2>just just try and like you know, vent with your friends,

0:33:19.440 --> 0:33:23.120
<v Speaker 2>but try and just keep it cool, don't keep it

0:33:23.160 --> 0:33:24.959
<v Speaker 2>you know, try and keep your emotions out of that,

0:33:25.440 --> 0:33:27.880
<v Speaker 2>and don't let this person get in the way, you know,

0:33:28.640 --> 0:33:30.840
<v Speaker 2>of your own career advancement, which it sounds like they

0:33:30.840 --> 0:33:35.440
<v Speaker 2>could potentially be doing. Another thing I would say is

0:33:35.520 --> 0:33:38.520
<v Speaker 2>like one thing as a manager I've been asked to

0:33:38.520 --> 0:33:42.920
<v Speaker 2>do is to be like a conflict resolutionist, like a medium.

0:33:43.080 --> 0:33:45.360
<v Speaker 2>Like what do you call people who are like in

0:33:45.440 --> 0:33:48.920
<v Speaker 2>between moderator, a moderator, intermediary or whatnot.

0:33:49.360 --> 0:33:51.240
<v Speaker 1>It's not another word, but I can't say. I'm like

0:33:51.280 --> 0:33:52.240
<v Speaker 1>trying in my brain today.

0:33:52.280 --> 0:33:56.240
<v Speaker 2>But yeah, so if it if it's real mediator, a mediator, mediator, yeah,

0:33:56.280 --> 0:34:00.600
<v Speaker 2>thank you, peacemaker, professional peacemaker. So it's also your boss's

0:34:00.720 --> 0:34:03.680
<v Speaker 2>job a little bit to help remove roadblocks for you

0:34:03.760 --> 0:34:06.000
<v Speaker 2>for your own success and your own like the success

0:34:06.040 --> 0:34:07.640
<v Speaker 2>success of what you do every day. And if this

0:34:07.760 --> 0:34:10.719
<v Speaker 2>person is really a legitimate roadblock for you and you

0:34:10.800 --> 0:34:13.799
<v Speaker 2>have made your own best efforts to work better with

0:34:13.840 --> 0:34:16.760
<v Speaker 2>this person. I would, you know, ask your manager maybe

0:34:16.760 --> 0:34:18.759
<v Speaker 2>they can talk to this person's manager if they're on

0:34:18.800 --> 0:34:21.759
<v Speaker 2>the same level, and see if there's like a you know,

0:34:21.800 --> 0:34:24.719
<v Speaker 2>we can just have a meeting face to face and

0:34:24.800 --> 0:34:27.600
<v Speaker 2>just air things out. Honestly, Like once you sit down

0:34:27.600 --> 0:34:29.879
<v Speaker 2>with someone and you just like sit across from them

0:34:30.239 --> 0:34:32.240
<v Speaker 2>and you have like a neutral person in the middle

0:34:32.320 --> 0:34:37.000
<v Speaker 2>to play a referee, you'll see that like facade of

0:34:37.200 --> 0:34:39.840
<v Speaker 2>I don't like you, you know, that attitude just melt

0:34:39.880 --> 0:34:42.600
<v Speaker 2>away and it puts people on the spot and it

0:34:42.640 --> 0:34:45.319
<v Speaker 2>just it just like pops the tension bubble in the

0:34:45.320 --> 0:34:47.560
<v Speaker 2>first like five minutes. You know, I've just seen it happen,

0:34:48.080 --> 0:34:51.040
<v Speaker 2>and I think that can be a helpful, you know,

0:34:51.080 --> 0:34:52.160
<v Speaker 2>thing to do. And if it's not your if you

0:34:52.160 --> 0:34:54.239
<v Speaker 2>don't feel comfortable going into your boss, you know, if

0:34:54.280 --> 0:34:56.360
<v Speaker 2>it's really bad, it doesn't sound like it's that bad,

0:34:56.440 --> 0:34:58.720
<v Speaker 2>but if it were really toxic, you could go to HR.

0:34:59.160 --> 0:35:02.480
<v Speaker 2>You know, that's sometimes their job to play mediation if

0:35:02.520 --> 0:35:05.200
<v Speaker 2>there's an issue that can't be resolved. But I would

0:35:05.200 --> 0:35:08.879
<v Speaker 2>start with yourself. See if you can't you know, mend

0:35:08.920 --> 0:35:11.440
<v Speaker 2>fences or reduce that tension on your own, ask them

0:35:11.440 --> 0:35:15.359
<v Speaker 2>to coffee whatever. You might know the source of the

0:35:15.400 --> 0:35:17.960
<v Speaker 2>tension and you might want to, you know, see if

0:35:17.960 --> 0:35:21.279
<v Speaker 2>you can resolve it, and if not, ask your you know,

0:35:22.040 --> 0:35:24.879
<v Speaker 2>make those efforts, track them, make sure your boss knows,

0:35:24.920 --> 0:35:27.359
<v Speaker 2>and then ask them, you know, if they if they

0:35:27.400 --> 0:35:29.799
<v Speaker 2>recommend you guys have a sit down where you can

0:35:29.840 --> 0:35:32.319
<v Speaker 2>just clear the air together. I literally just did this

0:35:32.400 --> 0:35:36.279
<v Speaker 2>last week. I think it went pretty well and it

0:35:36.440 --> 0:35:40.640
<v Speaker 2>just yeah, like I said, it just reduces that tension. Yeah,

0:35:40.680 --> 0:35:42.800
<v Speaker 2>It's it's hard when you need something out of someone

0:35:42.800 --> 0:35:45.839
<v Speaker 2>else and they're not your direct report. It's it's much

0:35:45.880 --> 0:35:47.799
<v Speaker 2>more difficult and you've just got to like build those

0:35:47.840 --> 0:35:48.759
<v Speaker 2>good relationships.

0:35:49.560 --> 0:35:52.400
<v Speaker 1>I think it's great advice.

0:35:53.120 --> 0:35:58.000
<v Speaker 2>Thanks man, Thank you for your question. Anonymous. Good luck.

0:35:58.320 --> 0:36:01.399
<v Speaker 2>I want to hear back. Let me know how things

0:36:01.440 --> 0:36:09.760
<v Speaker 2>are going. Yeah, which I thought promotion. Okay, last question,

0:36:09.960 --> 0:36:12.400
<v Speaker 2>Let's get one more in here. This one is from

0:36:12.760 --> 0:36:14.600
<v Speaker 2>I don't know her name, but her Instagram name is

0:36:14.600 --> 0:36:16.520
<v Speaker 2>that NAC girl. This is a live question. She just

0:36:16.560 --> 0:36:19.480
<v Speaker 2>respond in to my follow up question. Yes, so, apparently

0:36:19.480 --> 0:36:20.880
<v Speaker 2>in the past on the show, you and I have

0:36:20.920 --> 0:36:25.560
<v Speaker 2>talked about the financial independence, retire early movement or fire

0:36:25.320 --> 0:36:29.720
<v Speaker 2>fire Fire, and I do I have. I have mentioned

0:36:29.760 --> 0:36:31.960
<v Speaker 2>how you know, in a lot of cases with these

0:36:32.000 --> 0:36:34.520
<v Speaker 2>stories of fire, you know, like this movement around fire.

0:36:35.600 --> 0:36:38.120
<v Speaker 2>I take issue a little bit with this, like with

0:36:38.160 --> 0:36:41.120
<v Speaker 2>the perception people are giving that they are retired early,

0:36:41.560 --> 0:36:43.520
<v Speaker 2>when what they're really doing is blogging about it and

0:36:43.520 --> 0:36:45.480
<v Speaker 2>making money off their blog and that's their new business

0:36:45.480 --> 0:36:47.680
<v Speaker 2>and that's how they're like retiring early. So that's like

0:36:47.719 --> 0:36:49.719
<v Speaker 2>my kind of my and I see this a lot

0:36:49.719 --> 0:36:52.200
<v Speaker 2>in the blogger community. So it's just like a little

0:36:52.239 --> 0:36:55.560
<v Speaker 2>bit of a pet peeve I have. So this person,

0:36:56.520 --> 0:36:59.240
<v Speaker 2>that NAC girl on Instagram sets just an avid listener.

0:36:59.400 --> 0:37:01.480
<v Speaker 2>She wants us, So please do an episode on why

0:37:01.560 --> 0:37:04.760
<v Speaker 2>Mandy gives a side eye to financial independence retire early,

0:37:05.920 --> 0:37:08.640
<v Speaker 2>Maybe interview someone from the community. I love the idea

0:37:09.000 --> 0:37:11.239
<v Speaker 2>of financial independence and I'm on my journey. I'm on

0:37:11.239 --> 0:37:13.840
<v Speaker 2>my journey. Maybe not all invested in the stock market

0:37:14.200 --> 0:37:16.360
<v Speaker 2>like a lot of them are, but a nice variation

0:37:16.640 --> 0:37:20.319
<v Speaker 2>of it. I wasn't sure about the idea and that

0:37:20.400 --> 0:37:22.480
<v Speaker 2>Mandy would talk about it later, but I haven't heard

0:37:22.640 --> 0:37:26.040
<v Speaker 2>it mentioned since I last listened to the show. So

0:37:26.840 --> 0:37:29.680
<v Speaker 2>thanks for calling me out. I hope, I hope. I

0:37:29.760 --> 0:37:31.319
<v Speaker 2>explained to you just my issue with it. I mean,

0:37:31.360 --> 0:37:34.920
<v Speaker 2>I'm all for people saving. I was just talking about

0:37:34.920 --> 0:37:35.920
<v Speaker 2>how I wanted to.

0:37:36.680 --> 0:37:40.240
<v Speaker 1>Ya full transparency, because who doesn't want to encourage somebody

0:37:40.239 --> 0:37:43.239
<v Speaker 1>to fire retire early. We want you to have financial independence,

0:37:43.800 --> 0:37:46.840
<v Speaker 1>but what we don't want is that you might be

0:37:46.960 --> 0:37:51.600
<v Speaker 1>thinking you're doing something wrong because someone else has has

0:37:52.480 --> 0:37:55.360
<v Speaker 1>what you perceive as financial independence, that they're not working

0:37:55.400 --> 0:37:58.279
<v Speaker 1>when they actually are, and then so you're trying to.

0:37:58.320 --> 0:38:01.279
<v Speaker 1>It's almost like the girls in the magazine that have

0:38:01.400 --> 0:38:03.319
<v Speaker 1>had work done in air brushing, and then you look

0:38:03.320 --> 0:38:04.799
<v Speaker 1>in the mirror and say, what's wrong with me? And

0:38:04.840 --> 0:38:08.200
<v Speaker 1>there's nothing because they don't even look like that. And

0:38:08.239 --> 0:38:10.400
<v Speaker 1>so that's what we're you know, we're just not wanting like, no,

0:38:10.440 --> 0:38:13.160
<v Speaker 1>we want financial independence. We want you to retire early

0:38:13.200 --> 0:38:15.279
<v Speaker 1>if that's what you wish, But I don't want you

0:38:15.360 --> 0:38:18.680
<v Speaker 1>to think that if something's wrong, because while I've done

0:38:18.680 --> 0:38:21.200
<v Speaker 1>everything that everyone said and I'm not making ends me,

0:38:21.360 --> 0:38:24.719
<v Speaker 1>it's like no, and honestly too, I don't to me

0:38:24.840 --> 0:38:27.839
<v Speaker 1>the shame around working. I just don't. I don't get it,

0:38:28.280 --> 0:38:31.120
<v Speaker 1>you know what I mean, Like, I don't think there's

0:38:31.160 --> 0:38:34.160
<v Speaker 1>anything wrong with having a job. Honestly, if the recession

0:38:34.160 --> 0:38:36.000
<v Speaker 1>wouldn't have hit, I still would have been teaching preschool

0:38:36.000 --> 0:38:37.759
<v Speaker 1>and I love the kids. I was just talking to

0:38:38.040 --> 0:38:41.239
<v Speaker 1>someone today how much I missed that aspect, like, you know,

0:38:41.280 --> 0:38:44.560
<v Speaker 1>because the they were like honestly, they were wonderful. They

0:38:44.600 --> 0:38:48.080
<v Speaker 1>made my day. I mean, they were just characters and

0:38:48.200 --> 0:38:50.759
<v Speaker 1>I always had something to talk about because they just

0:38:50.880 --> 0:38:53.560
<v Speaker 1>they made my Honestly, I would miss them on the weekends.

0:38:53.600 --> 0:38:55.960
<v Speaker 1>I would buy things for them when I wasn't with them.

0:38:56.200 --> 0:38:58.960
<v Speaker 1>Like I enjoyed teaching. That was a regular job that

0:38:59.080 --> 0:39:02.280
<v Speaker 1>made you know, decent enough money, but I was frugal.

0:39:02.360 --> 0:39:04.160
<v Speaker 1>I saved, I bought a house, I bought a car,

0:39:04.280 --> 0:39:05.960
<v Speaker 1>so I was able to do the things that I

0:39:05.960 --> 0:39:08.719
<v Speaker 1>wanted to do. I didn't have to have, you know,

0:39:09.040 --> 0:39:11.640
<v Speaker 1>a successful business in order to do so. So I

0:39:11.719 --> 0:39:13.279
<v Speaker 1>just want them, like you know, kind of like for

0:39:13.360 --> 0:39:17.319
<v Speaker 1>me anyway, sometimes the fire movement and not everyone, but

0:39:17.360 --> 0:39:21.000
<v Speaker 1>sometimes there's like this like secret shade of like your

0:39:21.160 --> 0:39:23.359
<v Speaker 1>you know, you continue to work, but here's the thing

0:39:23.400 --> 0:39:26.040
<v Speaker 1>that they don't tell you many times, so so what

0:39:26.040 --> 0:39:28.200
<v Speaker 1>you're gonna do when you get sick? You know what

0:39:28.239 --> 0:39:31.560
<v Speaker 1>I mean, Like like Obamacare, you know, shout out to

0:39:31.719 --> 0:39:35.600
<v Speaker 1>big Oh, try having cancer and just having Obamacare. See

0:39:35.600 --> 0:39:37.480
<v Speaker 1>how much that's gonna cost you out of pocket? Like,

0:39:37.600 --> 0:39:40.479
<v Speaker 1>I don't know what I would do, honestly, Like if

0:39:40.480 --> 0:39:42.440
<v Speaker 1>my husband did not have a nine to five like

0:39:42.520 --> 0:39:44.360
<v Speaker 1>a regular job, like you know, I know many of

0:39:44.400 --> 0:39:46.840
<v Speaker 1>your husband he works for the state or the city,

0:39:47.280 --> 0:39:51.240
<v Speaker 1>fedal federal. So my husband works for for for our city.

0:39:51.840 --> 0:39:54.640
<v Speaker 1>Without that insurance, I don't know what I would do.

0:39:55.040 --> 0:39:56.959
<v Speaker 1>I mean, I was literally on the yoga and water

0:39:57.040 --> 0:40:00.600
<v Speaker 1>diet in prayer before before and like you know, so

0:40:00.680 --> 0:40:03.560
<v Speaker 1>y'all know I've been doing IVF like every cycle it's

0:40:03.600 --> 0:40:06.960
<v Speaker 1>like eighty thousand dollars. It's successful as a budgetista, is

0:40:08.880 --> 0:40:11.560
<v Speaker 1>I don't want to you know, i'm're on cycle too.

0:40:11.800 --> 0:40:14.360
<v Speaker 1>That would be one hundred and sixty thousand dollars plus

0:40:14.640 --> 0:40:17.440
<v Speaker 1>five word surgery, which was like almost one hundred thousand dollars.

0:40:17.680 --> 0:40:20.640
<v Speaker 1>I mean that, you know, like that's more than what

0:40:20.680 --> 0:40:23.920
<v Speaker 1>our house cost us. And so yeah, to me, I

0:40:23.960 --> 0:40:27.400
<v Speaker 1>think it's more. So sometimes it's shaming around if you

0:40:27.520 --> 0:40:30.799
<v Speaker 1>don't follow that or God forbid, you know, you might

0:40:31.080 --> 0:40:34.080
<v Speaker 1>want to go on vacation or or you might want

0:40:34.120 --> 0:40:37.160
<v Speaker 1>a nicer house. There's nothing wrong with like those things.

0:40:37.160 --> 0:40:40.360
<v Speaker 1>But yeah, like I think, you know, I like the

0:40:40.400 --> 0:40:42.920
<v Speaker 1>fire movement in its essence. I just want you to

0:40:43.000 --> 0:40:45.839
<v Speaker 1>understand that folks are still making money like you know

0:40:46.120 --> 0:40:48.120
<v Speaker 1>that whole you know, I spent all day on the beach.

0:40:48.120 --> 0:40:51.920
<v Speaker 1>I didn't do anything. It's probably not for most folks,

0:40:52.160 --> 0:40:56.160
<v Speaker 1>you know, likely they are still garnering money from affiliate

0:40:56.239 --> 0:41:00.839
<v Speaker 1>links and blogging like Mandy said, and maybe even speaking teaching.

0:41:00.600 --> 0:41:03.680
<v Speaker 2>For having a course, whether they pay them to teach

0:41:03.719 --> 0:41:06.319
<v Speaker 2>you how to do it and you're sustaining their retirement.

0:41:07.640 --> 0:41:10.120
<v Speaker 2>Just really, you know, you just focus on your own journey,

0:41:10.120 --> 0:41:11.479
<v Speaker 2>you know, That's what I would say. If that's really

0:41:11.480 --> 0:41:13.839
<v Speaker 2>what you your goal is, then you know, sit down

0:41:13.880 --> 0:41:15.759
<v Speaker 2>with the financial planner and make that happen. You know,

0:41:15.840 --> 0:41:19.560
<v Speaker 2>keep your expenses low, save aggressively. That's beautiful. So hopefully

0:41:19.560 --> 0:41:22.400
<v Speaker 2>that answered your question. Thank you for yeah, thank you

0:41:22.480 --> 0:41:25.520
<v Speaker 2>for asking for clarification. I totally respect that.

0:41:26.360 --> 0:41:28.960
<v Speaker 1>Yeah, yeah, but fire, I mean, like, honestly, like to me,

0:41:29.040 --> 0:41:31.319
<v Speaker 1>being financial responsible is always a good thing. So I

0:41:31.320 --> 0:41:33.400
<v Speaker 1>think because honestly, I want to retire early any much

0:41:33.440 --> 0:41:34.719
<v Speaker 1>trying to work till ad if you don't have to

0:41:34.840 --> 0:41:39.239
<v Speaker 1>not me anyway, so I can dig it exactly.

0:41:39.760 --> 0:41:41.640
<v Speaker 2>Well, thank you guys for your questions. Again, we're brand

0:41:41.680 --> 0:41:44.480
<v Speaker 2>Ambition Podcasts on Instagram, so that seems since that seems

0:41:44.480 --> 0:41:46.359
<v Speaker 2>to be where all of your best questions come from.

0:41:46.680 --> 0:41:48.560
<v Speaker 2>But if your old school, you can always hit us

0:41:48.640 --> 0:41:52.879
<v Speaker 2>up at our website, Brandhambition Podcast dot com. Click ask

0:41:52.960 --> 0:41:55.680
<v Speaker 2>us anything to send a question or go to uh

0:41:56.400 --> 0:41:59.520
<v Speaker 2>send us email directly at brand Ambition Podcast at gmail

0:41:59.520 --> 0:42:02.560
<v Speaker 2>dot com dot com.

0:42:02.760 --> 0:42:04.839
<v Speaker 1>They need to hire me. I like Google to do

0:42:04.840 --> 0:42:06.719
<v Speaker 1>dot Com. I feel like, you know, people would like

0:42:06.880 --> 0:42:07.480
<v Speaker 1>enjoy that.

0:42:07.480 --> 0:42:09.560
<v Speaker 2>That's Travelocity, I think.

0:42:11.400 --> 0:42:13.200
<v Speaker 1>Yeah, dot Com. You're right, it is Speedia.

0:42:13.239 --> 0:42:14.280
<v Speaker 2>I don't know who owns them.

0:42:15.800 --> 0:42:19.800
<v Speaker 1>Travel Travelocity, Expedia, and somebody else. They're all the same.

0:42:20.280 --> 0:42:22.400
<v Speaker 2>Yeah, yeah, they're all owned by what's the trip advisor.

0:42:22.400 --> 0:42:24.279
<v Speaker 2>I don't know some Every company is all the same,

0:42:24.320 --> 0:42:26.319
<v Speaker 2>everyone's I was like, what my company like.

0:42:26.280 --> 0:42:29.200
<v Speaker 1>I didn't realize like Wayfair and Johnson Maine. I'm like,

0:42:29.239 --> 0:42:29.520
<v Speaker 1>wait a.

0:42:29.560 --> 0:42:34.160
<v Speaker 2>Minute, yes, and not just those two, like allmodern dot com,

0:42:34.239 --> 0:42:37.200
<v Speaker 2>all those good sites were all the same. What because you.

0:42:37.200 --> 0:42:38.759
<v Speaker 1>Would get the email, right, wouldn't you? Because you know,

0:42:38.800 --> 0:42:41.040
<v Speaker 1>especially when you're like in the middle of renovation or

0:42:41.280 --> 0:42:43.439
<v Speaker 1>buying stuff at the house. Like I would order something

0:42:43.440 --> 0:42:45.320
<v Speaker 1>for one and I would get an email I'm like, wayfair,

0:42:45.320 --> 0:42:49.040
<v Speaker 1>I didn't order some for you, and I realized you

0:42:49.040 --> 0:42:51.920
<v Speaker 1>guys are all the same. Okay, I see you. So

0:42:51.960 --> 0:42:55.080
<v Speaker 1>it's very interesting sometimes, you know, it's just yeah, you

0:42:55.120 --> 0:42:56.759
<v Speaker 1>just don't realize, like how many I'm sure, like at

0:42:56.760 --> 0:42:58.360
<v Speaker 1>one point they were different, but they just bought, you know,

0:42:58.400 --> 0:43:00.480
<v Speaker 1>one of them bought the other one out, which it's smart.

0:43:00.480 --> 0:43:02.200
<v Speaker 1>So that's awesome. Yeah.

0:43:03.160 --> 0:43:04.759
<v Speaker 2>Should we did some boost and breaks real quick to

0:43:04.760 --> 0:43:08.560
<v Speaker 2>close the show? Yeah, the Bus de de Briggs, the Brig.

0:43:09.200 --> 0:43:11.440
<v Speaker 1>Yes, I actually want to break for the first time

0:43:11.440 --> 0:43:17.120
<v Speaker 1>in a long time. Okay, why so I just recently

0:43:17.120 --> 0:43:20.600
<v Speaker 1>saw this Don't Don't Shade Me on the Shade Room

0:43:21.000 --> 0:43:25.040
<v Speaker 1>and the title is Don't get Caught Slipping. Aver Duvenet

0:43:25.800 --> 0:43:28.520
<v Speaker 1>does not like to be called Auntie. And when I say,

0:43:28.760 --> 0:43:31.920
<v Speaker 1>I'll alluda praise the Lord Mandy, I can I tell

0:43:31.920 --> 0:43:33.960
<v Speaker 1>you how many like you know, folks in your twenties

0:43:34.000 --> 0:43:38.239
<v Speaker 1>are like, oh, Auntie, Tiffany, I'm like, ma'am, are you yo?

0:43:38.440 --> 0:43:40.960
<v Speaker 1>I am in my thirty six? Are you crazy? The

0:43:41.080 --> 0:43:43.760
<v Speaker 1>only people that could like, only way I could see

0:43:43.840 --> 0:43:47.120
<v Speaker 1>maybe is if you still have had a teen or

0:43:47.120 --> 0:43:50.480
<v Speaker 1>a single digit, like if you're like, oh, fifteen eight, maybe,

0:43:50.680 --> 0:43:53.160
<v Speaker 1>But ma'am, if you are well into your twenties and

0:43:53.360 --> 0:43:55.440
<v Speaker 1>in your thirties yourself, yo, we are made. I'm not

0:43:55.520 --> 0:43:57.960
<v Speaker 1>your auntie. Don't do that. And even if I was

0:43:58.360 --> 0:44:01.480
<v Speaker 1>like forty five and you have thirty five, now sis,

0:44:01.520 --> 0:44:04.799
<v Speaker 1>we're cousins, Like, don't do that. I'm not gonna lie

0:44:04.840 --> 0:44:07.160
<v Speaker 1>that annoys unless it's my niece and my nephew, because

0:44:07.160 --> 0:44:09.319
<v Speaker 1>then I love it. And they're like, i'mtie Ida because

0:44:09.320 --> 0:44:12.759
<v Speaker 1>they call me my African name Adochi, so like I

0:44:12.800 --> 0:44:16.080
<v Speaker 1>love it. But they're also three and two years old. Sis,

0:44:16.120 --> 0:44:19.040
<v Speaker 1>you're thirty one, so that we're not doing that, And

0:44:19.040 --> 0:44:23.280
<v Speaker 1>so when that happens, I'm always like, I'm not your auntie.

0:44:23.320 --> 0:44:25.400
<v Speaker 1>Like it just I don't know. It feels like slightly

0:44:25.640 --> 0:44:27.640
<v Speaker 1>and I know it's something met with shade, but don't

0:44:27.640 --> 0:44:31.120
<v Speaker 1>start to distinguish like you're so much younger, says you

0:44:31.200 --> 0:44:32.920
<v Speaker 1>got I have like five years on you. I'm not

0:44:32.960 --> 0:44:34.560
<v Speaker 1>your auntie. I'm your cousin.

0:44:34.560 --> 0:44:38.919
<v Speaker 2>Sister as their guru, like their auntie who like has

0:44:38.920 --> 0:44:39.480
<v Speaker 2>the wisdom.

0:44:39.560 --> 0:44:44.920
<v Speaker 1>You know, Nah, we're cousins. So because right, like I said,

0:44:45.560 --> 0:44:48.000
<v Speaker 1>I'm twenty and under, I'll take it. But once you

0:44:48.480 --> 0:44:51.480
<v Speaker 1>once you strike over like a certain we're not that

0:44:51.520 --> 0:44:53.040
<v Speaker 1>far away to age. We're not doing that you could

0:44:53.040 --> 0:44:55.040
<v Speaker 1>have been. We would have born in the the same

0:44:55.280 --> 0:44:57.240
<v Speaker 1>I got a cell phone, You got a cell phone,

0:44:57.280 --> 0:45:00.000
<v Speaker 1>Like I wasn't born before, like microwaves came out or something.

0:45:00.000 --> 0:45:03.680
<v Speaker 1>I'll do that. So that's just my lighthearted boost that, like,

0:45:03.800 --> 0:45:06.080
<v Speaker 1>you know, just being called auntie because I saw Bevy

0:45:06.120 --> 0:45:07.799
<v Speaker 1>Smith had said that she was like grown forty year

0:45:07.840 --> 0:45:15.040
<v Speaker 1>old women call me auntie. Now what about you? You

0:45:15.040 --> 0:45:16.480
<v Speaker 1>gott a booster, you gotta break.

0:45:16.680 --> 0:45:18.480
<v Speaker 2>I'm gonna do a boost. I have to do a

0:45:18.480 --> 0:45:20.480
<v Speaker 2>boost for this. I used to roll my eyes at

0:45:20.560 --> 0:45:25.080
<v Speaker 2>all these like pre K fifth grade, eighth grade graduation ceremonies,

0:45:25.080 --> 0:45:26.960
<v Speaker 2>But I don't know what I'm in my feelings about it,

0:45:27.000 --> 0:45:30.960
<v Speaker 2>and I love I love like pre K graduation ceremonies.

0:45:31.000 --> 0:45:33.800
<v Speaker 2>I feel like they're so magical. And maybe it's because

0:45:33.840 --> 0:45:36.799
<v Speaker 2>now I have a god's all. My husband's god. Wait no,

0:45:36.840 --> 0:45:40.200
<v Speaker 2>he's not as godfather anyway. My husband's nephew who are

0:45:40.280 --> 0:45:42.359
<v Speaker 2>very close to just graduate from pre K and they

0:45:42.360 --> 0:45:45.160
<v Speaker 2>give all the kids awards and they're so proud of themselves,

0:45:45.480 --> 0:45:47.839
<v Speaker 2>and I just wanted to boost all the teachers and

0:45:47.920 --> 0:45:53.160
<v Speaker 2>the educators who take their time and energy to make

0:45:53.200 --> 0:45:56.600
<v Speaker 2>these kids feel so special and loved and feel like

0:45:56.640 --> 0:45:59.560
<v Speaker 2>they've really accomplished something. I think it's so beautiful. So

0:45:59.600 --> 0:46:01.879
<v Speaker 2>shout out, yeah to shout out to teachers and shout

0:46:01.880 --> 0:46:05.320
<v Speaker 2>out to all the little kiddos who are graduating or whatever.

0:46:05.360 --> 0:46:08.759
<v Speaker 2>You're graduating too. You could probably stop growing up so

0:46:08.880 --> 0:46:12.239
<v Speaker 2>fast because it makes me feel old. But it's a

0:46:12.280 --> 0:46:15.280
<v Speaker 2>beautiful thing. I can't believe this kid's already five. It's insane.

0:46:15.800 --> 0:46:17.160
<v Speaker 1>I know. It is kind of the same when you're

0:46:17.200 --> 0:46:19.840
<v Speaker 1>looking like, wait, you just came out the womb, Like

0:46:19.920 --> 0:46:21.120
<v Speaker 1>what are you doing getting older?

0:46:21.520 --> 0:46:24.000
<v Speaker 2>I know it's crazy, but it's beautiful. Did you ever

0:46:24.080 --> 0:46:25.880
<v Speaker 2>do pre K graduations when you were teaching?

0:46:26.120 --> 0:46:27.920
<v Speaker 1>Oh my gosh, it's like the most fun because then

0:46:27.960 --> 0:46:31.320
<v Speaker 1>you like make the little like tassles for their little.

0:46:31.120 --> 0:46:33.280
<v Speaker 2>We get little gowns, you know, yeah.

0:46:33.440 --> 0:46:35.640
<v Speaker 1>Give a little goals. They make little tassels and sometimes

0:46:35.640 --> 0:46:37.520
<v Speaker 1>we would like get the parents to give us like

0:46:38.200 --> 0:46:40.879
<v Speaker 1>hanging her weag like undershirts and we would like tie

0:46:40.960 --> 0:46:42.759
<v Speaker 1>die them and the kids could like decorate them. It

0:46:42.800 --> 0:46:45.000
<v Speaker 1>was a whole thing, honestly. I mean obviously we would

0:46:45.000 --> 0:46:46.400
<v Speaker 1>have it like like on the front lawn and it

0:46:46.400 --> 0:46:48.640
<v Speaker 1>wasn't like we were renting out, you know, space, but

0:46:49.000 --> 0:46:50.799
<v Speaker 1>it was just nice, like you know, they're going to

0:46:50.920 --> 0:46:52.839
<v Speaker 1>kindergarten and then you'd be like, oh, my babies are

0:46:52.880 --> 0:46:54.759
<v Speaker 1>leaving me. It's crazy. Now when I see them in

0:46:54.760 --> 0:46:56.080
<v Speaker 1>the streets, I'm not gonna lie. They can call me

0:46:56.120 --> 0:46:58.800
<v Speaker 1>on because some of them are like I want to

0:46:58.800 --> 0:47:04.200
<v Speaker 1>say fifteen Oh wow, no, like like only if you

0:47:04.280 --> 0:47:06.080
<v Speaker 1>had like a really distinct face. Most times, like I

0:47:06.120 --> 0:47:08.960
<v Speaker 1>can't recognize every once in a while, I'm like, oh

0:47:08.960 --> 0:47:11.200
<v Speaker 1>that's Keishaan or like I'll like know the parents and

0:47:11.239 --> 0:47:12.920
<v Speaker 1>I'm like looking out, I'm like, oh hey, am I

0:47:13.000 --> 0:47:17.200
<v Speaker 1>a wait, is that Sarah? Because if we're standing with

0:47:17.200 --> 0:47:19.000
<v Speaker 1>a giant, I'm like, tell me that's not three year

0:47:19.040 --> 0:47:21.279
<v Speaker 1>olds Tara, Oh my gosh. And of course they don't

0:47:21.280 --> 0:47:23.480
<v Speaker 1>remember me because they're like every once in a while,

0:47:23.560 --> 0:47:25.440
<v Speaker 1>like a kid would be like I vaguely remember you,

0:47:25.440 --> 0:47:27.879
<v Speaker 1>you know, miss Tiffany. But yeah, So I just love

0:47:27.880 --> 0:47:29.160
<v Speaker 1>when I see their parents in the stryt and then

0:47:29.200 --> 0:47:31.000
<v Speaker 1>I forced them to send me to show me pictures.

0:47:31.000 --> 0:47:32.520
<v Speaker 1>I'm like, I want to see them now so I

0:47:32.520 --> 0:47:35.520
<v Speaker 1>could be like, you know, horrified at how big they've got,

0:47:35.560 --> 0:47:37.480
<v Speaker 1>and I'm like, oh my gosh. It's just that's the

0:47:37.520 --> 0:47:39.719
<v Speaker 1>one thing I really like love about teaching. It's just

0:47:39.800 --> 0:47:41.719
<v Speaker 1>like these are like your babies forever and.

0:47:41.640 --> 0:47:44.360
<v Speaker 3>You're like, oh my god, they're so big and just still,

0:47:44.719 --> 0:47:47.080
<v Speaker 3>especially when you teach in the neighborhood that you live,

0:47:47.520 --> 0:47:50.440
<v Speaker 3>because you get to run into people that lives you've affected,

0:47:50.480 --> 0:47:52.560
<v Speaker 3>like you know, from years and years years and years

0:47:52.560 --> 0:47:52.879
<v Speaker 3>to come.

0:47:52.960 --> 0:47:55.920
<v Speaker 2>So yeah, I think the opposite is true. Like, have

0:47:55.920 --> 0:47:57.680
<v Speaker 2>you ever seen a teacher of yours from when you

0:47:57.760 --> 0:48:01.240
<v Speaker 2>were a little little like I've re I not so recently,

0:48:01.280 --> 0:48:03.680
<v Speaker 2>but I had heard from or I reached out to

0:48:03.719 --> 0:48:05.760
<v Speaker 2>an old teacher of mine from like the fifth grade.

0:48:06.040 --> 0:48:09.240
<v Speaker 2>I remember thinking she was like she in my memory

0:48:09.280 --> 0:48:13.160
<v Speaker 2>she looks like Oprah. She has this like booming baritone voice.

0:48:13.400 --> 0:48:15.520
<v Speaker 2>When I heard her voice, she sounded like mini Mouse,

0:48:15.560 --> 0:48:17.560
<v Speaker 2>and I was like, who are you? I didn't even

0:48:17.560 --> 0:48:19.840
<v Speaker 2>know if it was the same person. It was so wild,

0:48:19.960 --> 0:48:23.560
<v Speaker 2>like your your ten year old perception of an adult

0:48:23.680 --> 0:48:25.879
<v Speaker 2>and then to like twenty years later you'd be talking

0:48:25.880 --> 0:48:28.600
<v Speaker 2>to them again. It like blew my mind. It was

0:48:28.600 --> 0:48:31.239
<v Speaker 2>Craig Cray, same experience with you.

0:48:32.360 --> 0:48:34.480
<v Speaker 1>It's like, oh my gosh, you were so little. It's

0:48:34.480 --> 0:48:36.600
<v Speaker 1>just crazy to see people like really grow up. Like

0:48:36.800 --> 0:48:38.000
<v Speaker 1>I was looking at my knees and I was like,

0:48:38.000 --> 0:48:41.000
<v Speaker 1>oh mih yeah, wait, you were literally just like a

0:48:41.120 --> 0:48:43.160
<v Speaker 1>baby out the wall and now you're like, I see,

0:48:43.160 --> 0:48:45.520
<v Speaker 1>I know what you're doing. Every time the phone rings,

0:48:45.840 --> 0:48:47.359
<v Speaker 1>like I can hear in the background she's like running

0:48:47.360 --> 0:48:49.600
<v Speaker 1>through the list of like the five people's names she knows.

0:48:50.120 --> 0:48:55.200
<v Speaker 1>Isn't Daddy, it's that chich Is. I'm like, and you

0:48:55.200 --> 0:48:56.920
<v Speaker 1>can tell that she's so proud of herself, Like I

0:48:57.320 --> 0:48:59.600
<v Speaker 1>know names and I could say them. Give me the

0:48:59.600 --> 0:49:01.440
<v Speaker 1>phone so I can breathe happy and not say anything.

0:49:03.000 --> 0:49:03.680
<v Speaker 2>That's what they do.

0:49:05.440 --> 0:49:08.160
<v Speaker 1>Oh that was a nice, nice way to end.

0:49:08.480 --> 0:49:12.400
<v Speaker 2>You know, well, thank you guys for listening again. We

0:49:12.440 --> 0:49:15.520
<v Speaker 2>are broad Ambition. Our website is brandabision podcast at no,

0:49:15.640 --> 0:49:19.120
<v Speaker 2>it's not brandibision podcast dot com. We're also on the

0:49:19.160 --> 0:49:22.880
<v Speaker 2>Gram at brandabision podcast. We're on Twitter at the BA podcast.

0:49:23.120 --> 0:49:25.839
<v Speaker 2>What are we a Facebook Finals, Brown Ambition.

0:49:26.280 --> 0:49:30.480
<v Speaker 1>Mhm and as usual, stay Brown, stay ambitious.

0:49:32.680 --> 0:49:35.279
<v Speaker 2>I have nothing to add. Sorry I left you hang

0:49:35.360 --> 0:49:40.879
<v Speaker 2>in my bad. Yeah, I'm finger gunning you know. I'll

0:49:40.920 --> 0:49:42.719
<v Speaker 2>do the jazz hands to close this out. Just think

0:49:42.800 --> 0:49:45.920
<v Speaker 2>us stop it, right,