Speaker 1: Hey, hey, hey, a little jazz for you. I'm back.
Speaker 1: We're black, we're brown. It's Tiffany and Mandy.
Speaker 2: I'm doing jazz hands.
Speaker 1: Can you feel it? I can feel it.
Speaker 2: I had to dig deep those jazz, those jazz hands too.
Speaker 2: It's been a long week. It's only Tuesday.
Speaker 1: Oh, so what's going on.
Speaker 2: Let's look at the headlines real quick. So everyone do
Speaker 2: not Like, first of all, I did this myself, so
Speaker 2: I shouldn't really tell you not to. But don't go
Speaker 2: to Trader Joe's and stock up on avocados now because
Speaker 2: you're worried about the Mexico trade tariffs. That are you know,
Speaker 2: someone's president and wants to start imposing they're coming from
Speaker 2: my avocados, y'all, which is like the most important Mexican
Speaker 2: import in my life. Did you hear after news broke
Speaker 2: that Trump was considering this five percent tariff on Mexican imports,
Speaker 2: Chipotle stock went down. No, Yeah, well I can see
Speaker 2: why because their guac is delicious.
Speaker 1: Yeah.
Speaker 2: They go through something like over like hundreds of thousands
Speaker 2: of avocados a day they go through Okay, yeah, yeah.
Speaker 1: Even though guac is extra, peopleut online.
Speaker 2: I mean, I'll pay two dollars extra. It's delicious, it is,
Speaker 2: and you know what what you're paying for is someone
Speaker 2: went and found that avocado and waited for it to
Speaker 2: be ripe enough to cook, like not to cook, but
Speaker 2: to prepare because you know how it is like when
Speaker 2: you go to the store and all the avocados are hard, Yeah,
Speaker 2: and you have to wait four days for them to ripen.
Speaker 3: You know.
Speaker 2: So I'll pay that extra two dollars, Sure, I.
Speaker 1: Will, exactly. But it's a crazy because I was reading
Speaker 1: that like cars, you're looking at spending an additional like
Speaker 1: thousands of two thousand dollars more because of this trade
Speaker 1: tariff that might that's going to happen.
Speaker 2: Yeah, it's not just avocados, although that's what I think about. Yeah,
Speaker 2: like tons of cars. You know, commercial vehicles come from Mexico.
Speaker 2: Computer equipment comes from Mexico. A lot of stuff comes
Speaker 2: from Mexico. If you thought China China, what am I
Speaker 2: talking about? If you thought China tariffs were, we're bad,
Speaker 2: these can be equally harmful. I don't know if it'll happen, though,
Speaker 2: I got an alert from the Times earlier that Senate Republicans,
Speaker 2: so Trump's people supposedly are aligned together against the tariffs,
Speaker 2: so we'll see if he but you know, he's been
Speaker 2: known to go against his his uh supposed to follower
Speaker 2: his base, you know, when it suits him best. So
Speaker 2: we'll see or maybe all of his time with our
Speaker 2: dear Queen Elizabeth in London, will we'll chill him out
Speaker 2: a little bit.
Speaker 1: Yeah. I was like, oh gosh, I know, first of all,
Speaker 1: to hilarious some of the some of the backlash. You know,
Speaker 1: did you see the big Trump baby blint or whatever
Speaker 1: that they were they were walking down the street. I'm
Speaker 1: not gonna lie. Always get a little kickle out of
Speaker 1: those all those called efforties.
Speaker 2: I think an effigy is something you burn.
Speaker 1: Yeah, well they had those two.
Speaker 2: I mean you could burn it. No, that is like
Speaker 2: a giant like a Thanksgiving Day balloon. But it looks
Speaker 2: like a Trump baby, like a cry baby. I mean,
Speaker 2: art is accurate sometimes that is exactly what it feels like.
Speaker 2: I got in trouble for sharing fake news though I
Speaker 2: shared a well technically the Daily The Daily Show shared
Speaker 2: it first on the ground, but there's a picture of
Speaker 2: him going around, you know, lined up with the Queen
Speaker 2: and the and Prince Charles and Camilla and everything and
Speaker 2: and and uh and Malania looking out elegant and then
Speaker 2: Trump standing there in like some khaki pants and a
Speaker 2: polo shirt, and I was like, this is what it
Speaker 2: was so believable. I grammed it to some of my friends.
Speaker 2: Is that what she's Is that what the kids say?
Speaker 2: I grammed it, I DMed it. I don't know.
Speaker 1: I never you're not generation.
Speaker 2: I took a month off Instagram and now I don't
Speaker 2: know my people anyway, I said, And they're like fake news.
Speaker 1: Oh.
Speaker 2: I felt like such an idiot. I hate that. I
Speaker 2: hate that I shared fake news. But whatever the other
Speaker 2: on the other.
Speaker 1: Hand, and it wasn't like, you know, at work.
Speaker 2: It was karma. Yeah, I didn't like, you know, write
Speaker 2: an article for the world, but yeah, so that's happening.
Speaker 2: And back in America, if you weren't stunned to death
Speaker 2: by Beyonce's lion King or what was it, like a
Speaker 2: lioness outfit that she wore for her mom's Wearable art gala,
Speaker 2: which just looks like the most beautiful, blackest party in
Speaker 2: the entire world. Like I wish I would get an invite,
Speaker 2: but that's never gonna happen. So Beyonce was rocking that
Speaker 2: and then her husband Jay Z Don't Sleep on Him
Speaker 2: became hip hop's first billionaire apparently.
Speaker 1: Yeah, that is amazing. At first, I was like, wait,
Speaker 1: is this like as a couple because I thought they've
Speaker 1: been a billion member when Beyonce had in her song
Speaker 1: like of course there's some some things go down when
Speaker 1: there's a billion dollars in the elevator, and I was like,
Speaker 1: they are already a billion dollar a couple altogether, and
Speaker 1: you were like they are, But he singularly, separately is
Speaker 1: a billion is his network is a billion dollars? Which
Speaker 1: I was like, whoa.
Speaker 2: Yeah, he's not a stay at home dad. You guys,
Speaker 2: he's been very, very busy. I was just trying to remember.
Speaker 2: I'm like, what is Jay got going on? But he's
Speaker 2: really been singular and the fact that he's been adamant
Speaker 2: with his career in owning things, not just being you know,
Speaker 2: being beholden to a record label. He launched his own
Speaker 2: or beholden to even like streaming services like you said,
Speaker 2: he launched title. So that's where the wealth is.
Speaker 1: Do say? I think it's like his alcohol company, you know,
Speaker 1: He's got this rap where he says, I'm not a businessman,
Speaker 1: I'm a business man. I'm like, so you are.
Speaker 2: And it's in that comma that it's worth a billion
Speaker 2: dollars exactly.
Speaker 1: And just of course there's like his music and stuff.
Speaker 1: But you know, but it's just it's pretty amazing and
Speaker 1: you're like, wow, that's pretty amazing.
Speaker 2: So he's not just mister bay No.
Speaker 1: You know, people love to say that, but you know,
Speaker 1: this is someone who's been making moves behind the scenes,
Speaker 1: and so we have to, you know, give him his respect.
Speaker 1: I mean that's you know, I mean, he's the he Wow.
Speaker 1: He is, according to Black Enterprise, the fifth black billionaire
Speaker 1: in the United States.
Speaker 2: That's crazy in all of history.
Speaker 1: Well, like I think currently, I'm like wow, real, yeah,
Speaker 1: so he beat out Doctor Dre, he beat out Diddy. Yeah.
Speaker 1: I just I'm honestly really just like wow. So it's
Speaker 1: you know, it expanses he and encompasses liquor are to
Speaker 1: real estate, steaks and company like Uber.
Speaker 2: Okay, oh I did read that, like Beyonce and him
Speaker 2: invested big in Uber or something.
Speaker 1: Yeah, they included like it's like a seventy million dollars
Speaker 1: steak in Uber, which is now worth two hundred and
Speaker 1: twenty million. Do say the Cognac one hundred million, title
Speaker 1: one hundred million, Rock Nation, seventy five million, music catalog,
Speaker 1: seventy five art collection, seventy million, real estate fifty million.
Speaker 1: Wait all, there's another Champagne. I'm not even gonna say
Speaker 1: Armadday Brignock. Clearly I'm not culture three hundred and ten million.
Speaker 2: He made it sound delicious.
Speaker 3: Can I get that?
Speaker 1: I'm a day?
Speaker 2: Can I get that? Break?
Speaker 1: Not? But yeah, this is someone. I mean, I'm just
Speaker 1: really like, Wow, that's awesome. I didn't realize there was
Speaker 1: only five black billionaires the United States. Well, he's joining
Speaker 1: the ranks of Apral and our beloved now Robert Smyth
Speaker 1: aka mister Morehouse. So that's awesome.
Speaker 2: I'm working on a millionaire status. I did the I
Speaker 2: used the bank rate compound interest tool, and if I
Speaker 2: stopped saving in my retirement fund today, which I started
Speaker 2: when I was like making nothing as a writer, when
Speaker 2: I was twenty two or twenty three, if I stopped
Speaker 2: saving today, I will have over a million dollars by
Speaker 2: the time I'm sixty.
Speaker 1: That's awesome.
Speaker 2: That gave me such comfort. I mean, this is of course, like,
Speaker 2: you know, for trying to predict the future. But I
Speaker 2: was like, damn, because I just started when I was
Speaker 2: twenty two, and I had like I was making like
Speaker 2: what forty thousand dollars a year, feeling like I had
Speaker 2: nothing to save, and I just started. Did just start?
Speaker 2: You guys? Just start?
Speaker 1: Yeah, it just start. Wow, that's awesome. And so because
Speaker 1: you did a target date fund, correct.
Speaker 2: I did? Yeah, I forget. Yeah, I think from the
Speaker 2: beginning I had I think my first four oh one
Speaker 2: k ever was in a TD Ameritrade account. They had
Speaker 2: some kind of target date fund. And then over the
Speaker 2: years I've switched employers and had to I've rolled over
Speaker 2: my four to one k, and finally I'm at Vanguard
Speaker 2: in a target date fund. Yeah, I've just kept it going,
Speaker 2: you know. I mean, at a certain point it might
Speaker 2: make sense to switch it up a little bit. But
Speaker 2: the beauty of the target date fund is that it
Speaker 2: automatically shifts my investments as I get older, So I'm
Speaker 2: not as heavily invested in stocks as I was when
Speaker 2: I was younger. I'm still pretty young, so I'm still
Speaker 2: heavily invested in stocks. But as I get older and
Speaker 2: you know, forties, fifty sixties, it should shift so that
Speaker 2: I'm not you know, as heavily weighted. And it's so important.
Speaker 2: There was like a there's a new report out about
Speaker 2: how you know, we talked about retirement, and I think
Speaker 2: the impression people have of retirement is that and this
Speaker 2: is right. You mean, you should be optimistic that you're
Speaker 2: going to be saving so you can buy your retirement
Speaker 2: home or you know, travel the world. That's what I
Speaker 2: envision for myself. But the reality is that a lot
Speaker 2: of people end up retiring earlier than they thought because
Speaker 2: they need long term health care, they have some kind
Speaker 2: of health issue. There is this interesting stat that, like,
Speaker 2: I forget what the exact numbers were, but most people
Speaker 2: think they'll retire at age seventy, but in reality, they
Speaker 2: retire like sixty one.
Speaker 1: You know.
Speaker 2: It's just see right before Social Security benefits hit and
Speaker 2: it's largely due to like health complications, and and for me,
Speaker 2: you know, it's and for us it's really important to
Speaker 2: think about you know, that retirement fund as like your
Speaker 2: your long term care fund too. You know, who's going
Speaker 2: to pay for your your home health care aid? If
Speaker 2: you need someone or your medical bills, you know, if
Speaker 2: they start piling up, and yeah, it's just it's sad
Speaker 2: to see seniors, like older people who've paid their dues,
Speaker 2: done everything right, and then they're just like trapped in
Speaker 2: all this debt because they can't afford their medical expenses
Speaker 2: and their health care. So who's your who's your retirement person? Wanda?
Speaker 1: Oh yeah, yeah, my old lady, my seventy year old lady. Yeah,
Speaker 1: Wanda is her name. And maybe let's explain what a
Speaker 1: target date fund is. Come sort some people are like,
Speaker 1: what's the target date fund? Oh?
Speaker 2: Yeah, well you can skip back to what was it
Speaker 2: two episodes ago when I replayed our interview with my
Speaker 2: financial planner Helen where we talk all about target day funds.
Speaker 2: But quick version of the story is that it is
Speaker 2: a investment fund that has instead of just investing in
Speaker 2: one company, they invest you in a bunch of different
Speaker 2: companies and it just helps you expose, like expand your risk,
Speaker 2: so you're not putting all your eggs in one basket,
Speaker 2: and you basically pick the fund that aligns with your
Speaker 2: target retirement age or retirement year. So I think I'm
Speaker 2: twenty fifty five. I want to say, I just guessed
Speaker 2: where I would be forty years in the future, and
Speaker 2: they usually do it every five years. So it's like
Speaker 2: a twenty there's a twenty fifty, and there's a twenty
Speaker 2: fifty five, and twenty sixty and twenty sixty five. You
Speaker 2: pick the fund that you know matches your target retirement
Speaker 2: age and that's it. Like you just put money into
Speaker 2: it and they diversify it for you, and then over time,
Speaker 2: like I said, they'll shift your investments away from like
Speaker 2: you usually start heavily invested in stocks because they're riskier,
Speaker 2: but they have higher potential for rewards, and then over
Speaker 2: time they'll shift it so you're more invested in low
Speaker 2: risk assets like cash and bonds.
Speaker 1: Yeah, that's good. I know. I feel like thanks tips.
Speaker 1: See I was cause I know someone was like Target
Speaker 1: Day Fund, let me get to the Googles. You don't
Speaker 1: need the Googles when you have the mandies.
Speaker 2: They really could, like find someone else to rebrand these
Speaker 2: products to make them more memorable and like easy understand.
Speaker 1: I mean, come on, I mean, well, I feel like
Speaker 1: I do like Target Date Fund. Like it's because I
Speaker 1: feel like it does kind of explain what it is
Speaker 1: even though you might need a little bit like, you know,
Speaker 1: more digging. But I do like the name Target Date
Speaker 1: Fund because it's like, oh, okay, gotcha.
Speaker 2: Gotcha, my little insurance fun. What else is going on?
Speaker 1: What's happening in the news? What is happening in the news.
Speaker 1: I feel like, have you watched this? It's kind of
Speaker 1: like an inside oh when they see us Abraduvenet trying
Speaker 1: to make everybody cry. But we need to see it.
Speaker 2: Oh, I know, I'm gonna. We sat down on Friday
Speaker 2: night to like do our usual Netflix and chill, and
Speaker 2: I was so bone tired. I didn't have the like
Speaker 2: I didn't have it in me to watch it. But
Speaker 2: I'm gonna watch it this weekend. I'm gonna prepare myself.
Speaker 2: I heard it's really good.
Speaker 1: Yeah yeah, everyone told me that they're like it's really good,
Speaker 1: but prepared to like really ball your eyes out and
Speaker 1: be like wow, some of these people were really evil,
Speaker 1: like really evil, and that these were like babies, like
Speaker 1: you know, like little ones like like fourteen. These are
Speaker 1: I just can't imagine the terror they must have felt.
Speaker 1: I can't When I was like in ninth grade, if
Speaker 1: someone would have done this to me, I just I
Speaker 1: just don't know, and put in and put an adult prisons.
Speaker 1: I just and then when over and over and over again,
Speaker 1: the the you know, the the evidence you know did
Speaker 1: not point in their favor. They made it point in
Speaker 1: their and you know, they made it point to them,
Speaker 1: I just who child. It's just it's a lot. Sometimes
Speaker 1: you're just like, uh, not today, not today, not today,
Speaker 1: you know, because it's a lot. But I know I
Speaker 1: have to watch. Everyone's like, no, you have to watch it.
Speaker 2: Yeah, I feel like I have this respond because moral
Speaker 2: responsibility to yeah, and also you got to support.
Speaker 1: Yeah, these kind of thing that way, these things come
Speaker 1: out more. And I'm just like, thank God for Ava,
Speaker 1: Like this is like this is, you know, not her
Speaker 1: first time doing things like this. She had that other one.
Speaker 2: Oh what was it called the thirteenth right.
Speaker 1: Yes, she is some thirteen. I don't know it's called
Speaker 1: the thirteenth or thirteen something, but yeah, that was another
Speaker 1: one that that was similar as far as exposing you know,
Speaker 1: what happens to black and brown folks and and you
Speaker 1: know the overwhelming odds stacked against them. I just ooh,
Speaker 1: like our current douchebag, I mean president, he took out
Speaker 1: an eighty thousand dollars ad against these boys and advocated
Speaker 1: for the death penalty for a fourteen year old. I
Speaker 1: just but that's that's the deucebag president that y'all wanted.
Speaker 1: Now you're all, but you know, you guys are broad ambition, but.
Speaker 2: Nearly half of America did. That's reality.
Speaker 1: That's crazy. Like just sometimes I'm just like, who, like
Speaker 1: who are you? You know, do you ever just think that,
Speaker 1: like I do not have children, do not you know
Speaker 1: what I mean, like, do not have any to of conscience?
Speaker 1: I just.
Speaker 2: Yeah, it's about values. You know, when you when you're
Speaker 2: someone who values notoriety and wealth and capitalism and personal
Speaker 2: wealth and business over all else, I mean, that will
Speaker 2: blind your judgment to a lot of other things, because
Speaker 2: why why fixed systems that were that were built to
Speaker 2: make you rich? You know, like that is that's who
Speaker 2: we have in office now. And it's not just at
Speaker 2: the presidential level, but in a lot of ways. You know, yeah,
Speaker 2: there's literally groups lobbying against any kind of reform because
Speaker 2: you know, this is a system that has made you know,
Speaker 2: that's better for a lot of people.
Speaker 1: Yeah, it's just it just gets a little scary because
Speaker 1: she's just like, wow, you know.
Speaker 2: Aren't you gotta we have Kim Kardashian though.
Speaker 1: Oh my gosh, s' gonna save us.
Speaker 2: Ah, you know what, shout out to her for doing
Speaker 2: something with her time that's not lip kits and you know,
Speaker 2: button plans or whatever. But I gotta be like.
Speaker 1: I will say though that they're like, there is a
Speaker 1: sister that's been really doing like the legwork. Obviously we
Speaker 1: all know Kim Kardashian is not a lawyer, but I
Speaker 1: like someone was like, whatever, she's getting all the accolades,
Speaker 1: but really it's the sister behind the scenes that's really
Speaker 1: doing the leg work. I don't think anyone's under the
Speaker 1: illusion that Kim is like doing like the legwork. But
Speaker 1: what she is doing is using her her fame and
Speaker 1: shining a light on things that that sister probably was
Speaker 1: doing all his work for and nobody cared. So I'll
Speaker 1: take it. Shoot, you know, like you're right, you know,
Speaker 1: it could be like you said, she could be. I mean,
Speaker 1: we have enough lip kits and we have enough you know,
Speaker 1: booty shots of her, and you know she could just
Speaker 1: be like, well, who cares my problem? I'm gonna be
Speaker 1: rich regardless, you know, but she hasn't, you know, so
Speaker 1: I don't need her to write the brief and to
Speaker 1: you know, but the fact that she can get into
Speaker 1: rooms that other folks cannot, then, you know, and if
Speaker 1: you're going to if you're going to have this kind
Speaker 1: of like fame and infamy, then use it. And she is.
Speaker 1: So I'm like, whatever, good on her.
Speaker 2: We'll take it. And that is your buzzworthy news update
Speaker 2: for the week. I hope you feel prepared.
Speaker 1: Just random like house upding. Why. I went to the
Speaker 1: house and they like, hey, everything's going, get you guys done.
Speaker 1: What's done? The main main line waterline, I don't know
Speaker 1: what they call it is backed up. I'm like, what
Speaker 1: does that mean. They're like, somebody has to we have
Speaker 1: to get an industrial snake. I'm like, what does that mean?
Speaker 2: Oh, like a sewer lines what that?
Speaker 1: Yeah?
Speaker 2: Like Yumi, I.
Speaker 1: Was like, so what does that mean? And so I
Speaker 1: call this thing called roller router. I guess they bring
Speaker 1: this like industrial snake and they like, you know, basically
Speaker 1: push whatever it is. Because at one point before we
Speaker 1: bought the house, it was it was bacant for years,
Speaker 1: so like it dries up in like the pipe, I guess,
Speaker 1: I don't know. So anyway, three hundred and fifty dollars.
Speaker 2: Later, oh you know, but aren't you at the point
Speaker 2: where that doesn't seem like that much money because you're
Speaker 2: like so diluted by the cross of everything.
Speaker 1: I know, Okay, just take my money. I don't even,
Speaker 1: I don't even. It's fine, yeah, fine, so yeah, but yeah,
Speaker 1: those days, I'm just like, we're so coold. I've learned
Speaker 1: to just be like, you know, whatever comms it comes,
Speaker 1: and we'll be able to handle it.
Speaker 2: So I'm such an idiot. Although maybe I feel like
Speaker 2: this has happened. I don't know if you've ever used.
Speaker 2: I love Thosechlorox toilet wands, like the disposable ones that
Speaker 2: you because I think toilet brushes are so freaking disgusting,
Speaker 2: like to have a toilet brush in your bathroom at
Speaker 2: all times that you use for the toilet and just
Speaker 2: like sitting there on the floor, it grosses me out.
Speaker 2: So the toilet WANs, you know, you like pop the
Speaker 2: little the little the new wand head on and you
Speaker 2: scrub your toilet and then when you're done, you have
Speaker 2: a little button and an injects into the trash. Can
Speaker 2: somehow my idiotself right when I flush the toilet, I
Speaker 2: accidentally ejected the the wand head into the toilet, so
Speaker 2: it has been clogged all week because there's like a
Speaker 2: toilet head like somewhere in the drain. So I was like, Husbie,
Speaker 2: your first plumbing project, and he's been researching, what.
Speaker 1: Did you maybe get a snake like the like these
Speaker 1: we wore.
Speaker 2: One snakes work for that? I mean, he's he's researching.
Speaker 2: I think because I've have a history, I realized this
Speaker 2: of like flushing random things down the toy My mom
Speaker 2: swears I used to flush power Ranger toys down the toilet,
Speaker 2: and I was kidd yeah. And then one time, I
Speaker 2: don't think my roommate, my ex roommate listens to this podcast,
Speaker 2: but it was me, Ellie, I flushed your glasses down
Speaker 2: the toilet that at one time, and I did it.
Speaker 2: I just they were like behind me on the ledge
Speaker 2: and I got up and they fell in. At the
Speaker 2: corner of my eye, I saw something and I was
Speaker 2: like with those glasses, but I was never one hundred
Speaker 2: percent sure. So when the toilet got backed up, I
Speaker 2: was like, I don't know for sure what was there?
Speaker 2: And then she was like, where are my glasses? So weird?
Speaker 2: And then finally our super drained our toilet and took
Speaker 2: apart the little like spendy thing and he was like, oh,
Speaker 2: look so funny. Here are these bent up glasses. And
Speaker 2: I never responsibility. I was too deep for the lie.
Speaker 1: It's too like, I can't go back now.
Speaker 2: She probably knew it was me, but uh, that's my
Speaker 2: confession anyway. Don't let me need your toilets.
Speaker 1: But yeah, so I was just like, whatever, just finish,
Speaker 1: so getting closer, getting closer. So those are things like
Speaker 1: it's poor poor Drina. She was like, oh they had
Speaker 1: a gas leak. She just bought a house too. She's like,
Speaker 1: is this life? I feel like every week we're comparing
Speaker 1: like oh really we're broke. Oh me too. So it's
Speaker 1: like I gotta get Yeah, now that scary. And I
Speaker 1: was like, you gotta get your mom gas nose up.
Speaker 1: You know how moms can smell gas from like ten
Speaker 1: thousand miles away.
Speaker 2: I didn't know that. Is that a thing?
Speaker 1: Yeah, like mom's would be like I smell gas. My
Speaker 1: mom used to always be like I feel like every
Speaker 1: mom I know I smell gas. I smell gas. I
Speaker 1: remember one of my mom's the gas leak a block away.
Speaker 1: She's like, I s no gas. I'm like, mommy, there's
Speaker 1: no gas in the house. And it wasn't. So she
Speaker 1: called the gas company and they checked. She's like no,
Speaker 1: she was insistent, and sure enough there were actually was
Speaker 1: a gas leak, not in the house, but like I
Speaker 1: guess in the street or something like that, like a
Speaker 1: like a block or so down. I was like, how
Speaker 1: you know what, I just I have to bow down
Speaker 1: to the mom nose.
Speaker 2: That's like a superpower.
Speaker 1: It is a superpower. It's no gas.
Speaker 2: Homeowners insurance, man, gotta get that Gico?
Speaker 1: Yeah, for real? Is that what you have? You have Geico?
Speaker 2: I don't know, it just it just went well with
Speaker 2: gotta get.
Speaker 1: Yeah. But now homeowners insurance for sure? For sure, you
Speaker 1: definitely want that.
Speaker 2: Yeah, you know, like under insured under we could do
Speaker 2: a whole episode of insurance because I feel like one
Speaker 2: of the biggest people don't think about insurance as like
Speaker 2: a part of their financial planning. They think about investing
Speaker 2: and saving. But insurance, baby, that is where the true
Speaker 2: like life insurance, home insurance, that's where the true protection
Speaker 2: is at. So you need. I don't think you can't
Speaker 2: even get a mortgage without home insurance, so that's not
Speaker 2: a question. You just gotta shop around and find the
Speaker 2: right policy exactly how you Well, you'll be in soon enough,
Speaker 2: fear not. Don't worry.
Speaker 1: Yeah no, at this twint you know, you just be
Speaker 1: like whatever, I'm just going to flow these days.
Speaker 2: Fingers crossed. All right, let's take a quick break and
Speaker 2: it'll be right back to answer your questions, and we're back.
Speaker 2: Ready for some questions.
Speaker 1: Yes, I'm ready for someome questions.
Speaker 2: I went to my DMS where you guys grammed me
Speaker 2: some questions. Thank you for all your questions. I was
Speaker 2: just laughing because I'm like, damn, no one sends email anymore.
Speaker 2: It's all grams like Instagram messages. That's fine, more than fine,
Speaker 2: as long as you are specific. Let's see. So first
Speaker 2: question comes from listeners Stefania, which is really fun to say,
Speaker 2: and she has a question about she has a question
Speaker 2: about credit card debt. Let's see. All right, Hello ladies,
Speaker 2: my name is Stefana from California. I love listening every
Speaker 2: Wednesday and need some advice. I currently have about thirteen
Speaker 2: thousand dollars in credit card debt, and I want to
Speaker 2: figure out the best way to pay all these cards
Speaker 2: off while improving my credit and reducing the hundreds of
Speaker 2: dollars in interest i'm giving away each month. All of
Speaker 2: my credit cards right now have really high interest rates
Speaker 2: of more than twenty five percent ouch. So my question
Speaker 2: is how do I handle this? Should I pay one
Speaker 2: card off at a time, or should I try to
Speaker 2: get them to where they're all down to thirty percent utilization? Oh,
Speaker 2: someone's been listening. Yeah, since they all have around the
Speaker 2: same interest rate right now, I'm just focusing on paying
Speaker 2: the smallest amount. But the card that has over seventy
Speaker 2: percent utilization rate is charging so much interest each month?
Speaker 2: Please help? I hope this makes sense. So I sent
Speaker 2: her a follow up question asking her what her credit
Speaker 2: score is, because it's actually really important to know it is,
Speaker 2: and her credit score is actually really good, she says.
Speaker 2: At the time she sent the message, it was six' eighty,
Speaker 2: but now it's up to seven fifty.
Speaker 1: Okay, that's great.
Speaker 2: That happened because she said she paid off one of
Speaker 2: the higher balance cards and that lowered her utilization rate,
Speaker 2: which caused her a score to jump. What do you say,
Speaker 2: jump like Jordan's jump up points. That's huge.
Speaker 1: That is huge, It's huge.
Speaker 2: So that's just supposed to show you can still have
Speaker 2: credit card debt and have really high credit as long
Speaker 2: as you're making your payments on time. But making your
Speaker 2: payments on time, and you know that debt, you're paying
Speaker 2: twenty five percent interest rate on fourteen thousand dollars to
Speaker 2: keep that high credit score and make your payments on time,
Speaker 2: You're gonna be paying for years to come if you don't,
Speaker 2: if you don't handle it.
Speaker 1: Yeah, I I'm glad you asked her about the the
Speaker 1: her credit score, because if it was me, what's her
Speaker 1: name again, Stefania Stefaniya, I forgot. I want a beautiful name.
Speaker 1: I would the one that had the highest utilization, like
Speaker 1: you know whatever, you're using seventy five percent. I would
Speaker 1: look to possibly open up a card and do like
Speaker 1: a rollover so lending Tree, Mandy's place, and that's what
Speaker 1: I did, like when I was looking for myself, when
Speaker 1: I wanted to like roll over, because if you've got
Speaker 1: decent credit, and even though I know a lot of
Speaker 1: financial groups are like, don't get debt to get out
Speaker 1: of debt, whatever, you know, because you can potentially, especially
Speaker 1: if you've got great credit, you can likely qualify for
Speaker 1: a Oh is it just.
Speaker 2: Getting my mailance transfer?
Speaker 1: Thank you? I was like, goodness, old lady coup a
Speaker 1: balance transfer card, which typically if you've got great credit.
Speaker 1: I had such good credit when I first did this
Speaker 1: that I was able to get a balance transfer card
Speaker 1: where I could pay zero percent interest. It was nearly
Speaker 1: two years, so usually it'll be anywhere from six months
Speaker 1: typically to a year. But if you got great credit,
Speaker 1: which you do, because seven fifty is the beginning of
Speaker 1: perfect credit, that you might be able to get even longer.
Speaker 1: You're a zero percent interest extended to you. So what
Speaker 1: that means is, now, let's just say you owe seven
Speaker 1: thousand dollars on that card and you're able to get Now,
Speaker 1: you want to be mindful because they might not give
Speaker 1: you a limit of seven thousand dollars. I usually try
Speaker 1: to ask ahead of time, and sometimes they're like hedgy
Speaker 1: about it, but still ask like, what do you think
Speaker 1: I'm going to be qualified for? Roll over that amount
Speaker 1: from one card to the next, so that way you
Speaker 1: can then focus on that one card and getting it
Speaker 1: paid off, because you know that all your money's going
Speaker 1: directly to the principle, So I would I would look
Speaker 1: to do that, definitely a balanced transfer for at least
Speaker 1: one of those cards, and I would use this snowball method,
Speaker 1: especially since your interest rates are pretty much all the same.
Speaker 1: I would pay off the card with the new zero
Speaker 1: percent interest rate. Like when you do the slowball method,
Speaker 1: you kind of like line your cards up in priority,
Speaker 1: and you pay one card at a time while paying
Speaker 1: the minimum to the others, and just really focus your
Speaker 1: time and energy on that one card. And then once
Speaker 1: that card is paid off, you take its minimum the
Speaker 1: extra money you were paying it and put it toward
Speaker 1: the next card on your list. And so if that
Speaker 1: card gets the first card's minimum, it's minimum and the
Speaker 1: extra money, and when it's paid off, you roll it
Speaker 1: over to the next card, and before you know it,
Speaker 1: you know your credit card debt free. That's how I
Speaker 1: paid off. I think I was thirty five thousand dollars
Speaker 1: in credit card debt. This is post recession. I didn't
Speaker 1: really have a job. It took me about two and
Speaker 1: a half years, and I didn't have a job like
Speaker 1: I'd never after the recession. I never got another real
Speaker 1: job again. I had unemployment and I was like babysitting
Speaker 1: and tutoring and stuff like that, and I was able
Speaker 1: to pay that off in about two and a half year.
Speaker 1: So it's the snowball method really does work, especially if
Speaker 1: you use balance transfers.
Speaker 2: Yeah, I agree one thousand percent. The only thing with
Speaker 2: the balance transfer. Just a couple of things to watch
Speaker 2: out for is don't make the mistake of taking a
Speaker 2: vacation because oh, you're like, I just I've caught myself
Speaker 2: a break. You know, I'm not paying twenty five percent
Speaker 2: interests on this card anymore because I roll the balance
Speaker 2: over on this new card and stop paying down the debt.
Speaker 2: Because eventually that balance transfer deal will end, and you've
Speaker 2: got to make a plan to pay it off before
Speaker 2: it does. What can happen if you don't finish paying
Speaker 2: off your balance transfer card before the promo period ends
Speaker 2: is that one a new much higher and you can
Speaker 2: believe it's gonna be much higher interest rate will start applying,
Speaker 2: probably in the high twenty percent range that seems to
Speaker 2: be the norm these days. And two, some cards may
Speaker 2: have a deferred interest clause, which means they will go
Speaker 2: back to the very first day you start, you open
Speaker 2: that card and act as if you should have been
Speaker 2: paying interest the whole time, and they will throw that
Speaker 2: interest charge for the entire amount you transferred onto your balance,
Speaker 2: which just puts you back in a bad spot. So,
Speaker 2: you know, sometimes you may feel like, Okay, it's not
Speaker 2: going to be I can make aggressive payments, you know,
Speaker 2: over this twelve month period, but I won't be able
Speaker 2: to pay it off in time. Just make sure that
Speaker 2: you're keeping your credit score high because like a few
Speaker 2: weeks before that promo period ends, you can apply for
Speaker 2: another balance transfer and you know, take advantage of another
Speaker 2: offer and like carry it over them. That way, you
Speaker 2: just really got to stay on top of it. If
Speaker 2: you want an option that doesn't have that risk of
Speaker 2: you know, deferred interest or you know, the risk that
Speaker 2: you won't pay it off in time and then you'll
Speaker 2: get hit with you know, double digit interest again, you
Speaker 2: could do a balance transfer and get that zero percent
Speaker 2: intro that promo APR for you know, twelve months. Like
Speaker 2: I said, we'll keep the same example. And then if
Speaker 2: you think you're not going to pay it off and
Speaker 2: you maybe you won't qualify for another zero percent APR
Speaker 2: or you want a longer term, a longer amount of
Speaker 2: time to pay it back. You can look into applying
Speaker 2: for a small personal loan and using that loan, like
Speaker 2: through a credit union or an online lender, to pay
Speaker 2: off the rest of your debt. And the beauty of
Speaker 2: a personal loan is that if you have high credit,
Speaker 2: you can get a decent rate usually, especially if you
Speaker 2: go to a credit union. It's not going to be
Speaker 2: zero percent like a balance transfer, but it's a fixed rate,
Speaker 2: which means it won't go up or down. And it's
Speaker 2: a fixed term, which means you know exactly how long
Speaker 2: you have to pay back the debt. It's all baked
Speaker 2: into your your monthly payment, and it's just like a
Speaker 2: structured way to pay off that balance. So just take
Speaker 2: all that into consideration. You know, if you want to
Speaker 2: consult an expert, you know, that's always a good idea too.
Speaker 2: But that thirteen thousand dollars, you know, if you really
Speaker 2: work aggressively and you take advantage of the offers that
Speaker 2: are available to you because you have good credit, I
Speaker 2: feel like you can you can definitely tackle it and
Speaker 2: pay way less than what you're paying now in interest.
Speaker 1: Exactly. You can do it, believe me. You can de
Speaker 1: that you got your credit score to where it is
Speaker 1: now and you paid off a card already. Lets us
Speaker 1: know that you are already in the game. Booboo. You starting
Speaker 1: just got to continue.
Speaker 2: Well, thank you for your questions, Stefania. All right, let's see.
Speaker 2: So what's take another one from the Graham. This one
Speaker 2: is from oh so, this one wants to remain anonymous. Oh,
Speaker 2: I need like a Instagram intern. Where did it go?
Speaker 3: Oh?
Speaker 2: Here it is? Okay? Hey, hey, hey ladies. I love
Speaker 2: the show. I love to be anonymous. I have a
Speaker 2: question that is not quite money related, but has to
Speaker 2: deal with advancing in my current position at work. I
Speaker 2: work in finance, so I deal with pretty much all
Speaker 2: the departments in the office. There is an employee that
Speaker 2: works in one department that is not fond of me.
Speaker 2: For whatever reason. We used to speak, but not anymore.
Speaker 2: My boss says I should try to rekindle our relationships
Speaker 2: since I want to try to move up into management.
Speaker 2: He says, being in management, you will have to learn
Speaker 2: to deal with people you don't like. I don't want
Speaker 2: to put my energy towards it. Though our office is small,
Speaker 2: and she has made it known that he doesn't like me.
Speaker 2: Do you guys really think something like this would be
Speaker 2: reason for upper management to not promote me. I do
Speaker 2: my job well and I get along with everyone else.
Speaker 2: Do either of you have advice for a situation like this?
Speaker 2: Thanks in advance. That's a really interesting question, and I
Speaker 2: can I take lead on Yeah?
Speaker 1: Please, I was gonna say, I literally have no It's
Speaker 1: been so long since I'm like, I have no idea.
Speaker 2: This is my territory. Back off, ooh, office corporate politics
Speaker 2: my fave. So I run a team, I have a
Speaker 2: bunch of I manage managers, I've promoted managers. I think
Speaker 2: about promoting managers all the time and who I promote
Speaker 2: and whatever. So I can tell you how I think
Speaker 2: about this. I agree with your boss. It is important
Speaker 2: to demonstrate if you want to be a leader, that
Speaker 2: you can collaborate and work cross functionally. And I personally,
Speaker 2: I was just having this conversation last week with someone
Speaker 2: on my team because they were having issues with someone
Speaker 2: else on the team who doesn't report to them, but
Speaker 2: they have to work together. Sometimes it is the hardest
Speaker 2: relationship to keep healthy and maintain when someone it's not
Speaker 2: a clear direct report relationship, but you need something out
Speaker 2: of that person, and you know, it seems like some somehow,
Speaker 2: some way, you guys ended up in a negative space.
Speaker 2: You know, forget about your promotion for a second. I
Speaker 2: would encourage you just for like your own you know,
Speaker 2: your own comfort comfort level at work, try to you know,
Speaker 2: be the bigger person and try to mend that relationship.
Speaker 2: Because I hate when you have tension with someone at
Speaker 2: the office. It just kind of like, I don't know,
Speaker 2: it puts that energy out into the world and people
Speaker 2: tend to notice it. And personally, I in some ways
Speaker 2: agree with your manager. I might think twice about promoting
Speaker 2: someone if I see that they're not mature enough to
Speaker 2: you know, at least try and put their best foot
Speaker 2: forward with another colleague. Now, if this colleague, you know,
Speaker 2: you try and put your best foot forward, you demonstrate
Speaker 2: this to your manager, and still the other like you're
Speaker 2: not getting anything in return on from the other side.
Speaker 2: You know, I would express that to your manager, not
Speaker 2: in a way that's like, well she won't talk to me,
Speaker 2: or like in a blamey kind of childish way, but
Speaker 2: show what steps you've taken, what efforts you made to
Speaker 2: improve that relationship, so your manager at least knows that
Speaker 2: you know, you put in good faith effort and you
Speaker 2: really do care you and you want to try and
Speaker 2: just just try and like you know, vent with your friends,
Speaker 2: but try and just keep it cool, don't keep it
Speaker 2: you know, try and keep your emotions out of that,
Speaker 2: and don't let this person get in the way, you know,
Speaker 2: of your own career advancement, which it sounds like they
Speaker 2: could potentially be doing. Another thing I would say is
Speaker 2: like one thing as a manager I've been asked to
Speaker 2: do is to be like a conflict resolutionist, like a medium.
Speaker 2: Like what do you call people who are like in
Speaker 2: between moderator, a moderator, intermediary or whatnot.
Speaker 1: It's not another word, but I can't say. I'm like
Speaker 1: trying in my brain today.
Speaker 2: But yeah, so if it if it's real mediator, a mediator, mediator, yeah,
Speaker 2: thank you, peacemaker, professional peacemaker. So it's also your boss's
Speaker 2: job a little bit to help remove roadblocks for you
Speaker 2: for your own success and your own like the success
Speaker 2: success of what you do every day. And if this
Speaker 2: person is really a legitimate roadblock for you and you
Speaker 2: have made your own best efforts to work better with
Speaker 2: this person. I would, you know, ask your manager maybe
Speaker 2: they can talk to this person's manager if they're on
Speaker 2: the same level, and see if there's like a you know,
Speaker 2: we can just have a meeting face to face and
Speaker 2: just air things out. Honestly, Like once you sit down
Speaker 2: with someone and you just like sit across from them
Speaker 2: and you have like a neutral person in the middle
Speaker 2: to play a referee, you'll see that like facade of
Speaker 2: I don't like you, you know, that attitude just melt
Speaker 2: away and it puts people on the spot and it
Speaker 2: just it just like pops the tension bubble in the
Speaker 2: first like five minutes. You know, I've just seen it happen,
Speaker 2: and I think that can be a helpful, you know,
Speaker 2: thing to do. And if it's not your if you
Speaker 2: don't feel comfortable going into your boss, you know, if
Speaker 2: it's really bad, it doesn't sound like it's that bad,
Speaker 2: but if it were really toxic, you could go to HR.
Speaker 2: You know, that's sometimes their job to play mediation if
Speaker 2: there's an issue that can't be resolved. But I would
Speaker 2: start with yourself. See if you can't you know, mend
Speaker 2: fences or reduce that tension on your own, ask them
Speaker 2: to coffee whatever. You might know the source of the
Speaker 2: tension and you might want to, you know, see if
Speaker 2: you can resolve it, and if not, ask your you know,
Speaker 2: make those efforts, track them, make sure your boss knows,
Speaker 2: and then ask them, you know, if they if they
Speaker 2: recommend you guys have a sit down where you can
Speaker 2: just clear the air together. I literally just did this
Speaker 2: last week. I think it went pretty well and it
Speaker 2: just yeah, like I said, it just reduces that tension. Yeah,
Speaker 2: It's it's hard when you need something out of someone
Speaker 2: else and they're not your direct report. It's it's much
Speaker 2: more difficult and you've just got to like build those
Speaker 2: good relationships.
Speaker 1: I think it's great advice.
Speaker 2: Thanks man, Thank you for your question. Anonymous. Good luck.
Speaker 2: I want to hear back. Let me know how things
Speaker 2: are going. Yeah, which I thought promotion. Okay, last question,
Speaker 2: Let's get one more in here. This one is from
Speaker 2: I don't know her name, but her Instagram name is
Speaker 2: that NAC girl. This is a live question. She just
Speaker 2: respond in to my follow up question. Yes, so, apparently
Speaker 2: in the past on the show, you and I have
Speaker 2: talked about the financial independence, retire early movement or fire
Speaker 2: fire Fire, and I do I have. I have mentioned
Speaker 2: how you know, in a lot of cases with these
Speaker 2: stories of fire, you know, like this movement around fire.
Speaker 2: I take issue a little bit with this, like with
Speaker 2: the perception people are giving that they are retired early,
Speaker 2: when what they're really doing is blogging about it and
Speaker 2: making money off their blog and that's their new business
Speaker 2: and that's how they're like retiring early. So that's like
Speaker 2: my kind of my and I see this a lot
Speaker 2: in the blogger community. So it's just like a little
Speaker 2: bit of a pet peeve I have. So this person,
Speaker 2: that NAC girl on Instagram sets just an avid listener.
Speaker 2: She wants us, So please do an episode on why
Speaker 2: Mandy gives a side eye to financial independence retire early,
Speaker 2: Maybe interview someone from the community. I love the idea
Speaker 2: of financial independence and I'm on my journey. I'm on
Speaker 2: my journey. Maybe not all invested in the stock market
Speaker 2: like a lot of them are, but a nice variation
Speaker 2: of it. I wasn't sure about the idea and that
Speaker 2: Mandy would talk about it later, but I haven't heard
Speaker 2: it mentioned since I last listened to the show. So
Speaker 2: thanks for calling me out. I hope, I hope. I
Speaker 2: explained to you just my issue with it. I mean,
Speaker 2: I'm all for people saving. I was just talking about
Speaker 2: how I wanted to.
Speaker 1: Ya full transparency, because who doesn't want to encourage somebody
Speaker 1: to fire retire early. We want you to have financial independence,
Speaker 1: but what we don't want is that you might be
Speaker 1: thinking you're doing something wrong because someone else has has
Speaker 1: what you perceive as financial independence, that they're not working
Speaker 1: when they actually are, and then so you're trying to.
Speaker 1: It's almost like the girls in the magazine that have
Speaker 1: had work done in air brushing, and then you look
Speaker 1: in the mirror and say, what's wrong with me? And
Speaker 1: there's nothing because they don't even look like that. And
Speaker 1: so that's what we're you know, we're just not wanting like, no,
Speaker 1: we want financial independence. We want you to retire early
Speaker 1: if that's what you wish, But I don't want you
Speaker 1: to think that if something's wrong, because while I've done
Speaker 1: everything that everyone said and I'm not making ends me,
Speaker 1: it's like no, and honestly too, I don't to me
Speaker 1: the shame around working. I just don't. I don't get it,
Speaker 1: you know what I mean, Like, I don't think there's
Speaker 1: anything wrong with having a job. Honestly, if the recession
Speaker 1: wouldn't have hit, I still would have been teaching preschool
Speaker 1: and I love the kids. I was just talking to
Speaker 1: someone today how much I missed that aspect, like, you know,
Speaker 1: because the they were like honestly, they were wonderful. They
Speaker 1: made my day. I mean, they were just characters and
Speaker 1: I always had something to talk about because they just
Speaker 1: they made my Honestly, I would miss them on the weekends.
Speaker 1: I would buy things for them when I wasn't with them.
Speaker 1: Like I enjoyed teaching. That was a regular job that
Speaker 1: made you know, decent enough money, but I was frugal.
Speaker 1: I saved, I bought a house, I bought a car,
Speaker 1: so I was able to do the things that I
Speaker 1: wanted to do. I didn't have to have, you know,
Speaker 1: a successful business in order to do so. So I
Speaker 1: just want them, like you know, kind of like for
Speaker 1: me anyway, sometimes the fire movement and not everyone, but
Speaker 1: sometimes there's like this like secret shade of like your
Speaker 1: you know, you continue to work, but here's the thing
Speaker 1: that they don't tell you many times, so so what
Speaker 1: you're gonna do when you get sick? You know what
Speaker 1: I mean, Like like Obamacare, you know, shout out to
Speaker 1: big Oh, try having cancer and just having Obamacare. See
Speaker 1: how much that's gonna cost you out of pocket? Like,
Speaker 1: I don't know what I would do, honestly, Like if
Speaker 1: my husband did not have a nine to five like
Speaker 1: a regular job, like you know, I know many of
Speaker 1: your husband he works for the state or the city,
Speaker 1: fedal federal. So my husband works for for for our city.
Speaker 1: Without that insurance, I don't know what I would do.
Speaker 1: I mean, I was literally on the yoga and water
Speaker 1: diet in prayer before before and like you know, so
Speaker 1: y'all know I've been doing IVF like every cycle it's
Speaker 1: like eighty thousand dollars. It's successful as a budgetista, is
Speaker 1: I don't want to you know, i'm're on cycle too.
Speaker 1: That would be one hundred and sixty thousand dollars plus
Speaker 1: five word surgery, which was like almost one hundred thousand dollars.
Speaker 1: I mean that, you know, like that's more than what
Speaker 1: our house cost us. And so yeah, to me, I
Speaker 1: think it's more. So sometimes it's shaming around if you
Speaker 1: don't follow that or God forbid, you know, you might
Speaker 1: want to go on vacation or or you might want
Speaker 1: a nicer house. There's nothing wrong with like those things.
Speaker 1: But yeah, like I think, you know, I like the
Speaker 1: fire movement in its essence. I just want you to
Speaker 1: understand that folks are still making money like you know
Speaker 1: that whole you know, I spent all day on the beach.
Speaker 1: I didn't do anything. It's probably not for most folks,
Speaker 1: you know, likely they are still garnering money from affiliate
Speaker 1: links and blogging like Mandy said, and maybe even speaking teaching.
Speaker 2: For having a course, whether they pay them to teach
Speaker 2: you how to do it and you're sustaining their retirement.
Speaker 2: Just really, you know, you just focus on your own journey,
Speaker 2: you know, That's what I would say. If that's really
Speaker 2: what you your goal is, then you know, sit down
Speaker 2: with the financial planner and make that happen. You know,
Speaker 2: keep your expenses low, save aggressively. That's beautiful. So hopefully
Speaker 2: that answered your question. Thank you for yeah, thank you
Speaker 2: for asking for clarification. I totally respect that.
Speaker 1: Yeah, yeah, but fire, I mean, like, honestly, like to me,
Speaker 1: being financial responsible is always a good thing. So I
Speaker 1: think because honestly, I want to retire early any much
Speaker 1: trying to work till ad if you don't have to
Speaker 1: not me anyway, so I can dig it exactly.
Speaker 2: Well, thank you guys for your questions. Again, we're brand
Speaker 2: Ambition Podcasts on Instagram, so that seems since that seems
Speaker 2: to be where all of your best questions come from.
Speaker 2: But if your old school, you can always hit us
Speaker 2: up at our website, Brandhambition Podcast dot com. Click ask
Speaker 2: us anything to send a question or go to uh
Speaker 2: send us email directly at brand Ambition Podcast at gmail
Speaker 2: dot com dot com.
Speaker 1: They need to hire me. I like Google to do
Speaker 1: dot Com. I feel like, you know, people would like
Speaker 1: enjoy that.
Speaker 2: That's Travelocity, I think.
Speaker 1: Yeah, dot Com. You're right, it is Speedia.
Speaker 2: I don't know who owns them.
Speaker 1: Travel Travelocity, Expedia, and somebody else. They're all the same.
Speaker 2: Yeah, yeah, they're all owned by what's the trip advisor.
Speaker 2: I don't know some Every company is all the same,
Speaker 2: everyone's I was like, what my company like.
Speaker 1: I didn't realize like Wayfair and Johnson Maine. I'm like,
Speaker 1: wait a.
Speaker 2: Minute, yes, and not just those two, like allmodern dot com,
Speaker 2: all those good sites were all the same. What because you.
Speaker 1: Would get the email, right, wouldn't you? Because you know,
Speaker 1: especially when you're like in the middle of renovation or
Speaker 1: buying stuff at the house. Like I would order something
Speaker 1: for one and I would get an email I'm like, wayfair,
Speaker 1: I didn't order some for you, and I realized you
Speaker 1: guys are all the same. Okay, I see you. So
Speaker 1: it's very interesting sometimes, you know, it's just yeah, you
Speaker 1: just don't realize, like how many I'm sure, like at
Speaker 1: one point they were different, but they just bought, you know,
Speaker 1: one of them bought the other one out, which it's smart.
Speaker 1: So that's awesome. Yeah.
Speaker 2: Should we did some boost and breaks real quick to
Speaker 2: close the show? Yeah, the Bus de de Briggs, the Brig.
Speaker 1: Yes, I actually want to break for the first time
Speaker 1: in a long time. Okay, why so I just recently
Speaker 1: saw this Don't Don't Shade Me on the Shade Room
Speaker 1: and the title is Don't get Caught Slipping. Aver Duvenet
Speaker 1: does not like to be called Auntie. And when I say,
Speaker 1: I'll alluda praise the Lord Mandy, I can I tell
Speaker 1: you how many like you know, folks in your twenties
Speaker 1: are like, oh, Auntie, Tiffany, I'm like, ma'am, are you yo?
Speaker 1: I am in my thirty six? Are you crazy? The
Speaker 1: only people that could like, only way I could see
Speaker 1: maybe is if you still have had a teen or
Speaker 1: a single digit, like if you're like, oh, fifteen eight, maybe,
Speaker 1: But ma'am, if you are well into your twenties and
Speaker 1: in your thirties yourself, yo, we are made. I'm not
Speaker 1: your auntie. Don't do that. And even if I was
Speaker 1: like forty five and you have thirty five, now sis,
Speaker 1: we're cousins, Like, don't do that. I'm not gonna lie
Speaker 1: that annoys unless it's my niece and my nephew, because
Speaker 1: then I love it. And they're like, i'mtie Ida because
Speaker 1: they call me my African name Adochi, so like I
Speaker 1: love it. But they're also three and two years old. Sis,
Speaker 1: you're thirty one, so that we're not doing that, And
Speaker 1: so when that happens, I'm always like, I'm not your auntie.
Speaker 1: Like it just I don't know. It feels like slightly
Speaker 1: and I know it's something met with shade, but don't
Speaker 1: start to distinguish like you're so much younger, says you
Speaker 1: got I have like five years on you. I'm not
Speaker 1: your auntie. I'm your cousin.
Speaker 2: Sister as their guru, like their auntie who like has
Speaker 2: the wisdom.
Speaker 1: You know, Nah, we're cousins. So because right, like I said,
Speaker 1: I'm twenty and under, I'll take it. But once you
Speaker 1: once you strike over like a certain we're not that
Speaker 1: far away to age. We're not doing that you could
Speaker 1: have been. We would have born in the the same
Speaker 1: I got a cell phone, You got a cell phone,
Speaker 1: Like I wasn't born before, like microwaves came out or something.
Speaker 1: I'll do that. So that's just my lighthearted boost that, like,
Speaker 1: you know, just being called auntie because I saw Bevy
Speaker 1: Smith had said that she was like grown forty year
Speaker 1: old women call me auntie. Now what about you? You
Speaker 1: gott a booster, you gotta break.
Speaker 2: I'm gonna do a boost. I have to do a
Speaker 2: boost for this. I used to roll my eyes at
Speaker 2: all these like pre K fifth grade, eighth grade graduation ceremonies,
Speaker 2: But I don't know what I'm in my feelings about it,
Speaker 2: and I love I love like pre K graduation ceremonies.
Speaker 2: I feel like they're so magical. And maybe it's because
Speaker 2: now I have a god's all. My husband's god. Wait no,
Speaker 2: he's not as godfather anyway. My husband's nephew who are
Speaker 2: very close to just graduate from pre K and they
Speaker 2: give all the kids awards and they're so proud of themselves,
Speaker 2: and I just wanted to boost all the teachers and
Speaker 2: the educators who take their time and energy to make
Speaker 2: these kids feel so special and loved and feel like
Speaker 2: they've really accomplished something. I think it's so beautiful. So
Speaker 2: shout out, yeah to shout out to teachers and shout
Speaker 2: out to all the little kiddos who are graduating or whatever.
Speaker 2: You're graduating too. You could probably stop growing up so
Speaker 2: fast because it makes me feel old. But it's a
Speaker 2: beautiful thing. I can't believe this kid's already five. It's insane.
Speaker 1: I know. It is kind of the same when you're
Speaker 1: looking like, wait, you just came out the womb, Like
Speaker 1: what are you doing getting older?
Speaker 2: I know it's crazy, but it's beautiful. Did you ever
Speaker 2: do pre K graduations when you were teaching?
Speaker 1: Oh my gosh, it's like the most fun because then
Speaker 1: you like make the little like tassles for their little.
Speaker 2: We get little gowns, you know, yeah.
Speaker 1: Give a little goals. They make little tassels and sometimes
Speaker 1: we would like get the parents to give us like
Speaker 1: hanging her weag like undershirts and we would like tie
Speaker 1: die them and the kids could like decorate them. It
Speaker 1: was a whole thing, honestly. I mean obviously we would
Speaker 1: have it like like on the front lawn and it
Speaker 1: wasn't like we were renting out, you know, space, but
Speaker 1: it was just nice, like you know, they're going to
Speaker 1: kindergarten and then you'd be like, oh, my babies are
Speaker 1: leaving me. It's crazy. Now when I see them in
Speaker 1: the streets, I'm not gonna lie. They can call me
Speaker 1: on because some of them are like I want to
Speaker 1: say fifteen Oh wow, no, like like only if you
Speaker 1: had like a really distinct face. Most times, like I
Speaker 1: can't recognize every once in a while, I'm like, oh
Speaker 1: that's Keishaan or like I'll like know the parents and
Speaker 1: I'm like looking out, I'm like, oh hey, am I
Speaker 1: a wait, is that Sarah? Because if we're standing with
Speaker 1: a giant, I'm like, tell me that's not three year
Speaker 1: olds Tara, Oh my gosh. And of course they don't
Speaker 1: remember me because they're like every once in a while,
Speaker 1: like a kid would be like I vaguely remember you,
Speaker 1: you know, miss Tiffany. But yeah, So I just love
Speaker 1: when I see their parents in the stryt and then
Speaker 1: I forced them to send me to show me pictures.
Speaker 1: I'm like, I want to see them now so I
Speaker 1: could be like, you know, horrified at how big they've got,
Speaker 1: and I'm like, oh my gosh. It's just that's the
Speaker 1: one thing I really like love about teaching. It's just
Speaker 1: like these are like your babies forever and.
Speaker 3: You're like, oh my god, they're so big and just still,
Speaker 3: especially when you teach in the neighborhood that you live,
Speaker 3: because you get to run into people that lives you've affected,
Speaker 3: like you know, from years and years years and years
Speaker 3: to come.
Speaker 2: So yeah, I think the opposite is true. Like, have
Speaker 2: you ever seen a teacher of yours from when you
Speaker 2: were a little little like I've re I not so recently,
Speaker 2: but I had heard from or I reached out to
Speaker 2: an old teacher of mine from like the fifth grade.
Speaker 2: I remember thinking she was like she in my memory
Speaker 2: she looks like Oprah. She has this like booming baritone voice.
Speaker 2: When I heard her voice, she sounded like mini Mouse,
Speaker 2: and I was like, who are you? I didn't even
Speaker 2: know if it was the same person. It was so wild,
Speaker 2: like your your ten year old perception of an adult
Speaker 2: and then to like twenty years later you'd be talking
Speaker 2: to them again. It like blew my mind. It was
Speaker 2: Craig Cray, same experience with you.
Speaker 1: It's like, oh my gosh, you were so little. It's
Speaker 1: just crazy to see people like really grow up. Like
Speaker 1: I was looking at my knees and I was like,
Speaker 1: oh mih yeah, wait, you were literally just like a
Speaker 1: baby out the wall and now you're like, I see,
Speaker 1: I know what you're doing. Every time the phone rings,
Speaker 1: like I can hear in the background she's like running
Speaker 1: through the list of like the five people's names she knows.
Speaker 1: Isn't Daddy, it's that chich Is. I'm like, and you
Speaker 1: can tell that she's so proud of herself, Like I
Speaker 1: know names and I could say them. Give me the
Speaker 1: phone so I can breathe happy and not say anything.
Speaker 2: That's what they do.
Speaker 1: Oh that was a nice, nice way to end.
Speaker 2: You know, well, thank you guys for listening again. We
Speaker 2: are broad Ambition. Our website is brandabision podcast at no,
Speaker 2: it's not brandibision podcast dot com. We're also on the
Speaker 2: Gram at brandabision podcast. We're on Twitter at the BA podcast.
Speaker 2: What are we a Facebook Finals, Brown Ambition.
Speaker 1: Mhm and as usual, stay Brown, stay ambitious.
Speaker 2: I have nothing to add. Sorry I left you hang
Speaker 2: in my bad. Yeah, I'm finger gunning you know. I'll
Speaker 2: do the jazz hands to close this out. Just think
Speaker 2: us stop it, right,