WEBVTT - Ep. 111 — Saving For Retirement vs. Paying Off Debt

0:00:16.400 --> 0:00:23.440
<v Speaker 1>Hey, hey, hey, oh child. So it's about the snow

0:00:23.600 --> 0:00:26.200
<v Speaker 1>and I'm supposed to fly out tomorrow to LA and

0:00:26.280 --> 0:00:29.040
<v Speaker 1>I'm praying that my flight is my canceled. How are you?

0:00:29.600 --> 0:00:32.519
<v Speaker 2>I thought I escaped that crap. I'm down south. I

0:00:32.560 --> 0:00:35.320
<v Speaker 2>came to Charlotte for work and they're all losing their

0:00:35.360 --> 0:00:37.040
<v Speaker 2>minds because they're going to get like a quarter inch

0:00:37.080 --> 0:00:37.480
<v Speaker 2>of snow.

0:00:38.000 --> 0:00:40.440
<v Speaker 1>Oh that's so cute. Oh sidebar. Welcome to brown Abish

0:00:40.520 --> 0:00:43.839
<v Speaker 1>and listeners, because as I wonder, I mean, I know

0:00:43.840 --> 0:00:46.560
<v Speaker 1>you clicked the brown Ambition button, but I always think

0:00:46.600 --> 0:00:48.720
<v Speaker 1>I feel like we should be like, Hi, my name's

0:00:48.760 --> 0:00:51.920
<v Speaker 1>Tiffany and this is Mandy.

0:00:52.800 --> 0:00:56.400
<v Speaker 2>We can do that. Hi, my name's Mendy.

0:00:58.200 --> 0:00:58.760
<v Speaker 1>Choke myself.

0:00:59.320 --> 0:01:02.720
<v Speaker 2>I changed my last name on Facebook. You did, and

0:01:02.800 --> 0:01:04.200
<v Speaker 2>not a damn person noticed.

0:01:05.920 --> 0:01:08.480
<v Speaker 1>Can I emit something terrible? You know, we still have

0:01:08.560 --> 0:01:10.280
<v Speaker 1>to go pick up our license. I was like, one

0:01:10.319 --> 0:01:11.320
<v Speaker 1>of us have to go get it?

0:01:11.400 --> 0:01:12.200
<v Speaker 2>Wait, pick it up?

0:01:12.800 --> 0:01:17.120
<v Speaker 1>Yeah, yeah, I know, we're like the worst. And meanwhile,

0:01:17.120 --> 0:01:19.240
<v Speaker 1>it's not like we got married in Zimbabwe. We got

0:01:19.240 --> 0:01:21.959
<v Speaker 1>married in the city where we live, and city Hall

0:01:22.200 --> 0:01:24.840
<v Speaker 1>is just a hop skipping to jump away and I

0:01:24.880 --> 0:01:27.600
<v Speaker 1>always forget Yeah, I.

0:01:27.560 --> 0:01:32.000
<v Speaker 2>Mean, you know those little like, uh technicalities, those little formalities.

0:01:33.040 --> 0:01:35.640
<v Speaker 2>I doesn't matter when you're yelling at someone about their

0:01:35.640 --> 0:01:38.679
<v Speaker 2>socks being on the floor, that's real marriage. Don't tell

0:01:38.720 --> 0:01:40.720
<v Speaker 2>me we're not married exactly.

0:01:42.240 --> 0:01:44.559
<v Speaker 1>I've been such a bad wife lately, but I've definitely

0:01:44.640 --> 0:01:46.240
<v Speaker 1>turned it around. Me Will also only been two days

0:01:46.240 --> 0:01:49.720
<v Speaker 1>to turn around. But he was like, so, like, are

0:01:49.760 --> 0:01:51.760
<v Speaker 1>you never going to help out around the house anymore?

0:01:51.800 --> 0:01:54.400
<v Speaker 1>Because it's just been so crazy, And so I finally

0:01:54.560 --> 0:01:57.720
<v Speaker 1>was like, I gave myself three specific chores. So we

0:01:57.800 --> 0:01:59.920
<v Speaker 1>agreed upon it. As long as I do these three chores,

0:02:00.200 --> 0:02:03.880
<v Speaker 1>he's gonna lay off my back. And my choices are dinner,

0:02:03.960 --> 0:02:06.040
<v Speaker 1>because I actually enjoy cooking dinner. It's just that if

0:02:06.040 --> 0:02:08.560
<v Speaker 1>I don't pre plan, I'm the one at five o'clock,

0:02:08.600 --> 0:02:11.280
<v Speaker 1>like I should have took out the chicken, like what

0:02:11.320 --> 0:02:15.960
<v Speaker 1>are we gonna eat dinner? Grocery shopping, which when I

0:02:15.960 --> 0:02:19.119
<v Speaker 1>say I hate grocery shopping, When I say I hate

0:02:19.160 --> 0:02:21.880
<v Speaker 1>grocery shopping, I hate grocery shopping. I just went and

0:02:22.040 --> 0:02:23.720
<v Speaker 1>I thought I was gonna cry. I was like, this

0:02:23.800 --> 0:02:26.800
<v Speaker 1>is the worst experience of my life. But I'm gonna

0:02:26.880 --> 0:02:29.000
<v Speaker 1>learn how to use Instacart because I'm not going back

0:02:29.000 --> 0:02:31.760
<v Speaker 1>out there. And then the third choy is laundry, which

0:02:31.800 --> 0:02:33.600
<v Speaker 1>I have found a great laundry surface. Even though we

0:02:33.639 --> 0:02:36.600
<v Speaker 1>have a washer dryer, I don't have time, so I

0:02:36.960 --> 0:02:38.440
<v Speaker 1>drop it off and I pick it up, and I

0:02:38.480 --> 0:02:40.680
<v Speaker 1>take the money from our household, like we have a

0:02:40.720 --> 0:02:43.480
<v Speaker 1>household built Bill's account, and that's why same place I

0:02:43.520 --> 0:02:46.040
<v Speaker 1>take the grocery shopping money. So as long as I

0:02:46.080 --> 0:02:48.520
<v Speaker 1>do those three things, I don't have to worry about dishes.

0:02:49.000 --> 0:02:51.320
<v Speaker 1>He's like a mopper. I've never really been like like

0:02:51.360 --> 0:02:53.480
<v Speaker 1>I'll sweep and like, you know, i'll spot mop. But

0:02:53.480 --> 0:02:56.880
<v Speaker 1>I've never been like a mopper. And I'm like a whatever,

0:02:57.000 --> 0:02:58.880
<v Speaker 1>you can do that. And then like he does like

0:02:58.960 --> 0:03:02.800
<v Speaker 1>most of the cleaning. So we've reached the we've reached

0:03:02.800 --> 0:03:06.000
<v Speaker 1>a happy, happy space because it was not there. I was.

0:03:06.040 --> 0:03:09.040
<v Speaker 1>I really wasn't pulling my my weight at the house.

0:03:09.520 --> 0:03:12.240
<v Speaker 2>Honestly, it's living together is I mean, it's it's like

0:03:12.320 --> 0:03:14.760
<v Speaker 2>any other roommate, like you really can't take too much

0:03:14.760 --> 0:03:18.480
<v Speaker 2>advantage of your partner. I mean, I'm much more relaxed

0:03:18.520 --> 0:03:22.240
<v Speaker 2>about it easier because you can like talk about you know,

0:03:22.280 --> 0:03:25.519
<v Speaker 2>you're not shy about You're not there's no politeness. It's like, really,

0:03:25.560 --> 0:03:28.080
<v Speaker 2>your socks are here again, Why why are they laid

0:03:28.080 --> 0:03:30.400
<v Speaker 2>out so neatly as if you're just going to pick

0:03:30.480 --> 0:03:32.520
<v Speaker 2>up those dirty socks your sweaty feet have been in

0:03:32.560 --> 0:03:33.840
<v Speaker 2>all day and put them back.

0:03:33.639 --> 0:03:37.960
<v Speaker 1>On im from the hamper. I literally am the worst.

0:03:38.040 --> 0:03:39.960
<v Speaker 1>Like I sometimes take a step back and I'm like,

0:03:40.000 --> 0:03:42.520
<v Speaker 1>would you would you stand for this? Tiffany she was?

0:03:42.640 --> 0:03:44.240
<v Speaker 1>I would not, And I'm always like I just look

0:03:44.280 --> 0:03:47.680
<v Speaker 1>at him, like I apologize, sir, I will do better

0:03:47.680 --> 0:03:50.400
<v Speaker 1>because he's like, you know, between you and Supergirl, it's like,

0:03:50.640 --> 0:03:53.160
<v Speaker 1>you know, I'm the adult. I got two big old

0:03:53.160 --> 0:03:53.960
<v Speaker 1>babies in the house.

0:03:55.680 --> 0:03:56.880
<v Speaker 2>Hey, girls are messy.

0:03:57.360 --> 0:04:00.160
<v Speaker 1>We are me and Supergirl. So let me just look

0:04:00.160 --> 0:04:03.320
<v Speaker 1>at each other. And I'm like, yeah, we're terrible. And

0:04:03.360 --> 0:04:05.360
<v Speaker 1>I'm like me, why she's eleven, so she's allowed.

0:04:06.240 --> 0:04:07.040
<v Speaker 3>But that's the age.

0:04:07.120 --> 0:04:09.040
<v Speaker 2>This is like free labor. This is what you're supposed

0:04:09.080 --> 0:04:12.480
<v Speaker 2>to do with your like free adolescence. Just like teach

0:04:12.560 --> 0:04:15.280
<v Speaker 2>them the beauty of hard labor. You know what, it's

0:04:15.280 --> 0:04:17.159
<v Speaker 2>a lie though you don't really grow out of like this.

0:04:17.320 --> 0:04:19.039
<v Speaker 2>I'm the same person I am when it comes to

0:04:19.040 --> 0:04:20.800
<v Speaker 2>cleaning that I was when I was like twelve, Like

0:04:20.839 --> 0:04:23.159
<v Speaker 2>I still don't make the bed yep, I'm still terrible

0:04:23.200 --> 0:04:25.920
<v Speaker 2>about folding my laundry. I mean that's the big fight. Now.

0:04:25.960 --> 0:04:28.200
<v Speaker 2>Now we have a beautiful washer dryer, which is like

0:04:28.200 --> 0:04:30.200
<v Speaker 2>a big deal for those of you who live in

0:04:30.240 --> 0:04:33.560
<v Speaker 2>other places besides New York to have your own washer dryer.

0:04:34.160 --> 0:04:36.679
<v Speaker 2>I just treat it like my closet, like an extension

0:04:36.720 --> 0:04:39.200
<v Speaker 2>of my closet the dryer, you know, like, oh, let's

0:04:39.200 --> 0:04:40.920
<v Speaker 2>just I'll go find some socks or in the dryer.

0:04:41.000 --> 0:04:44.600
<v Speaker 2>Why bother folding them. I'm just gonna use them this week.

0:04:44.720 --> 0:04:47.000
<v Speaker 2>I know what's in there. It's my workout clothes. So

0:04:47.040 --> 0:04:48.960
<v Speaker 2>I'll just get a pair of workout clothes a day.

0:04:50.640 --> 0:04:51.280
<v Speaker 1>Doesn't work.

0:04:52.200 --> 0:04:54.840
<v Speaker 2>But uh yeah. It's also like, I mean people think

0:04:54.880 --> 0:04:56.680
<v Speaker 2>that money is what you argue about. It's like those

0:04:56.680 --> 0:04:59.160
<v Speaker 2>simple things. It's like division of labor and labor is

0:04:59.320 --> 0:05:01.120
<v Speaker 2>time is money.

0:05:02.160 --> 0:05:03.800
<v Speaker 1>It is the vision of labor. And I'm the worst

0:05:03.800 --> 0:05:06.440
<v Speaker 1>because I'm like, do you know, like I could totally

0:05:06.480 --> 0:05:08.719
<v Speaker 1>write a proposal in the hour that you're asking me to.

0:05:08.800 --> 0:05:11.919
<v Speaker 1>Like he's looking at me like he finally had to say,

0:05:12.279 --> 0:05:13.720
<v Speaker 1>you know, I don't work for you, right, I'm not.

0:05:13.880 --> 0:05:15.919
<v Speaker 1>I'm not part of the unicorn squad or whatever you

0:05:15.960 --> 0:05:18.600
<v Speaker 1>call your your team. I don't know. That's not how

0:05:18.600 --> 0:05:22.400
<v Speaker 1>this works. And I'm like, Okay, you're.

0:05:22.279 --> 0:05:24.440
<v Speaker 2>The boss at work, but we're co managers are at home.

0:05:24.680 --> 0:05:26.839
<v Speaker 1>He exactly. So I mean, but I'm learning, and I

0:05:26.839 --> 0:05:29.400
<v Speaker 1>feel much better because today dinner was done. We had

0:05:29.480 --> 0:05:32.599
<v Speaker 1>vegan tacos, which you know, that's what was holding up

0:05:32.640 --> 0:05:36.640
<v Speaker 1>dinner too, because I wasn't really I was. The whole

0:05:36.720 --> 0:05:39.000
<v Speaker 1>vegan thing kind of threw off my like, well, how

0:05:39.000 --> 0:05:40.200
<v Speaker 1>do I make dinner now? You know?

0:05:41.080 --> 0:05:42.159
<v Speaker 2>But stuff?

0:05:42.640 --> 0:05:45.880
<v Speaker 1>Yeah, and so we had vegan tacos which were delicious

0:05:46.480 --> 0:05:49.040
<v Speaker 1>and yeah. So now I'm feeling back at a groove.

0:05:49.320 --> 0:05:51.040
<v Speaker 1>Like I said, I want food chopping, which I'm not.

0:05:51.560 --> 0:05:53.839
<v Speaker 1>See this is the thing. I don't mind running into

0:05:53.880 --> 0:05:56.680
<v Speaker 1>like Whole Food to grab a few things, but full blown,

0:05:56.880 --> 0:05:59.720
<v Speaker 1>like big mama food chopping. I hate that. So I'm

0:05:59.760 --> 0:06:02.800
<v Speaker 1>gonna figure out a plan for that. You do, I.

0:06:02.800 --> 0:06:06.480
<v Speaker 2>Do, It's not for me. I feel like maybe I

0:06:06.520 --> 0:06:08.920
<v Speaker 2>spend more money when I definitely spend more money when

0:06:08.960 --> 0:06:11.520
<v Speaker 2>I give myself more time, Like they've shown you know

0:06:11.560 --> 0:06:13.560
<v Speaker 2>the idea that you know, they say, bring a list

0:06:13.560 --> 0:06:15.520
<v Speaker 2>and do all your shopping and meal preps for the week.

0:06:15.560 --> 0:06:17.920
<v Speaker 2>But I think people have found that you actually spend

0:06:17.920 --> 0:06:19.719
<v Speaker 2>money and you're more likely to like waste food if

0:06:19.760 --> 0:06:22.480
<v Speaker 2>you do those big shopping runs. Next it's better to

0:06:22.560 --> 0:06:24.720
<v Speaker 2>shop as you need it. But like reality is, a

0:06:24.760 --> 0:06:26.480
<v Speaker 2>lot of people don't have time to go every day

0:06:26.480 --> 0:06:28.359
<v Speaker 2>when they need something, or they don't live like in

0:06:28.360 --> 0:06:29.880
<v Speaker 2>New York where you have a key food on your

0:06:29.880 --> 0:06:32.040
<v Speaker 2>way to the train, or like you can just pop

0:06:32.080 --> 0:06:35.240
<v Speaker 2>into the corner store and grab something. But I know

0:06:35.360 --> 0:06:37.440
<v Speaker 2>I love going. Like when I shop, I don't even

0:06:37.480 --> 0:06:39.440
<v Speaker 2>bring husby. I'm like, you're gonna stay at home. I

0:06:39.480 --> 0:06:42.080
<v Speaker 2>need my two hours. And I like to go up

0:06:42.120 --> 0:06:46.640
<v Speaker 2>and down every single aisle and read every package and

0:06:46.720 --> 0:06:50.159
<v Speaker 2>every price tag, read the unit price, compare things, just

0:06:50.240 --> 0:06:52.120
<v Speaker 2>see what's new. I like to see if there's a

0:06:52.120 --> 0:06:54.359
<v Speaker 2>new type of produce this week. I tried a pumelo.

0:06:54.680 --> 0:06:55.800
<v Speaker 2>I never tried that before.

0:06:56.080 --> 0:06:57.839
<v Speaker 1>I did see that produce out, but I was like,

0:06:57.920 --> 0:07:01.000
<v Speaker 1>I delicious. It's the opposite. I kept thinking to myself,

0:07:01.160 --> 0:07:04.279
<v Speaker 1>is how inefficient you go into the store put things

0:07:04.320 --> 0:07:06.720
<v Speaker 1>in the cart, just to take them out of the cart,

0:07:06.720 --> 0:07:08.400
<v Speaker 1>to put them on the conveyor belt, to put them

0:07:08.440 --> 0:07:10.600
<v Speaker 1>back in the cart, to take them out of the

0:07:10.640 --> 0:07:12.320
<v Speaker 1>cart and put them in the car, to take them

0:07:12.360 --> 0:07:14.360
<v Speaker 1>out of the car and put them in the kitchen,

0:07:14.640 --> 0:07:16.080
<v Speaker 1>and to take them out of the kitchen and put

0:07:16.080 --> 0:07:18.440
<v Speaker 1>them in the cabinet. There's so much in out it.

0:07:18.560 --> 0:07:21.320
<v Speaker 1>I said, oh no, no, no, no. Like honestly, I didn't

0:07:21.320 --> 0:07:23.960
<v Speaker 1>even realize my face like why my dad would say,

0:07:24.000 --> 0:07:26.680
<v Speaker 1>why do you look so morose and melancholy? I didn't

0:07:26.720 --> 0:07:29.240
<v Speaker 1>realize my face looked miserable. When I would come back

0:07:29.240 --> 0:07:31.840
<v Speaker 1>home and I always call Superman like okay, I'm like

0:07:31.880 --> 0:07:33.640
<v Speaker 1>two minutes away. That means come out and help me.

0:07:33.920 --> 0:07:35.480
<v Speaker 1>So he was helping me in with the grocery and

0:07:35.520 --> 0:07:37.680
<v Speaker 1>he's like, what's wrong with you? I'm like what he said, Yo,

0:07:37.720 --> 0:07:40.640
<v Speaker 1>your face looks like yo, somebody killed the dog and

0:07:40.680 --> 0:07:42.840
<v Speaker 1>we don't have a dog. And I'm like, it's because

0:07:42.920 --> 0:07:47.720
<v Speaker 1>grocery shopping. I hate grocery shopping, so I'm gonna try instacart.

0:07:48.040 --> 0:07:48.640
<v Speaker 3>But also like.

0:07:50.240 --> 0:07:52.400
<v Speaker 1>I don't know, no, I think instacart is like when

0:07:52.400 --> 0:07:54.680
<v Speaker 1>someone goes grocery shopping for you it's like Uber for

0:07:54.720 --> 0:07:57.520
<v Speaker 1>grocery shopping from what I understand. But then also there

0:07:57.520 --> 0:08:00.280
<v Speaker 1>are different grocery stores that have like you can order

0:08:00.320 --> 0:08:02.240
<v Speaker 1>online and they'll like bring it to you. I'm I

0:08:02.280 --> 0:08:04.640
<v Speaker 1>don't the cost does not matter. When I say the

0:08:04.680 --> 0:08:07.200
<v Speaker 1>cost doesn't matter, I shall pay. What do you what's

0:08:07.200 --> 0:08:10.600
<v Speaker 1>the search arge? It's yours, happily, So I will dance

0:08:10.800 --> 0:08:12.720
<v Speaker 1>for that extra fifty or hundred. I don't care what

0:08:12.760 --> 0:08:13.480
<v Speaker 1>it is. I'm paying it.

0:08:13.520 --> 0:08:15.600
<v Speaker 2>Oh, I bet I bet someone like me. I bet

0:08:15.600 --> 0:08:17.680
<v Speaker 2>I would save money that way if you take me

0:08:17.800 --> 0:08:20.200
<v Speaker 2>out of the equation me grabbing. Oh, I'm gonna try

0:08:20.200 --> 0:08:23.080
<v Speaker 2>this this week, or you know, buying. I bought three mustards,

0:08:23.400 --> 0:08:25.960
<v Speaker 2>like what I looked at my cabinet. I have three

0:08:26.040 --> 0:08:28.960
<v Speaker 2>mustards and one in the fridge. What is happening? I'm

0:08:28.960 --> 0:08:30.440
<v Speaker 2>turning into like an old lady. But no, I bet

0:08:30.440 --> 0:08:32.680
<v Speaker 2>I would save a lot of money using one of those.

0:08:33.520 --> 0:08:35.400
<v Speaker 1>So I'm gonna I'm gonna see. I'm gonna let you

0:08:35.640 --> 0:08:35.840
<v Speaker 1>need to.

0:08:35.880 --> 0:08:38.520
<v Speaker 2>Let our steam or you just need some space, No,

0:08:38.679 --> 0:08:42.880
<v Speaker 2>that's nap time. I need a big house like the

0:08:42.960 --> 0:08:44.640
<v Speaker 2>only I have. When I escape, I go to the

0:08:44.640 --> 0:08:45.280
<v Speaker 2>grocery store.

0:08:45.640 --> 0:08:49.640
<v Speaker 1>Bad so I went to the doctor today. My surgery

0:08:49.679 --> 0:08:53.880
<v Speaker 1>is next week. I'm nervous. Oh you do like that?

0:08:54.160 --> 0:08:56.400
<v Speaker 1>There's a I guess they call it pre op. So

0:08:56.480 --> 0:08:58.400
<v Speaker 1>that's like, you know, the week before they take your

0:08:58.400 --> 0:09:02.240
<v Speaker 1>blood blood pressure, and basically it's you sit down with

0:09:02.240 --> 0:09:03.720
<v Speaker 1>the doctor and they just talk about this is how

0:09:03.760 --> 0:09:07.400
<v Speaker 1>the surgery is going to go and so yeah, so

0:09:07.520 --> 0:09:09.720
<v Speaker 1>basically it's like I said, it's so for those of

0:09:09.720 --> 0:09:12.920
<v Speaker 1>you who don't know, I'm getting fiboid surgery to get

0:09:13.000 --> 0:09:16.400
<v Speaker 1>rid of especially one particularly large fiboard, because I want

0:09:16.400 --> 0:09:18.120
<v Speaker 1>to be able to have kids, and with this fibroid,

0:09:18.160 --> 0:09:21.560
<v Speaker 1>I'm not going to be able to, at least not successfully.

0:09:22.040 --> 0:09:26.920
<v Speaker 1>So fibroids are like this fleshy like tumor, like like

0:09:27.559 --> 0:09:29.760
<v Speaker 1>I guess ball kind of that can grow in women's

0:09:30.040 --> 0:09:32.960
<v Speaker 1>inside or out on the outside perimeter of their uterus,

0:09:33.400 --> 0:09:36.480
<v Speaker 1>and depending on how big or how small, it can

0:09:36.480 --> 0:09:39.200
<v Speaker 1>prevent women from having kids. A lot of women will

0:09:39.200 --> 0:09:41.079
<v Speaker 1>get fiboids after having kids, so they'll just kind of

0:09:41.160 --> 0:09:43.480
<v Speaker 1>leave them, but they can lead to heavy periods and

0:09:43.559 --> 0:09:46.640
<v Speaker 1>like pain, and mine weren't really causing any of those.

0:09:46.720 --> 0:09:48.520
<v Speaker 1>It was just why are we not getting pregnant? And

0:09:48.559 --> 0:09:51.720
<v Speaker 1>then it was like, oh, you've got this giant fiboid

0:09:51.760 --> 0:09:53.440
<v Speaker 1>the sides of a four month old baby inside you.

0:09:53.480 --> 0:09:59.320
<v Speaker 1>I was like, oh, well that would explain it, so yes,

0:09:59.600 --> 0:10:02.439
<v Speaker 1>and so like, So typically a woman's uterus is like

0:10:02.440 --> 0:10:04.800
<v Speaker 1>the size of a pair, so not very big. My

0:10:04.960 --> 0:10:09.040
<v Speaker 1>fibroid is the size of a grapefruit. So so because

0:10:09.040 --> 0:10:12.240
<v Speaker 1>your your uterus grows as the baby grows, so so

0:10:12.320 --> 0:10:15.080
<v Speaker 1>it's you know, my uterus has grown to accommodate this

0:10:15.240 --> 0:10:20.160
<v Speaker 1>grapefruit size fleshy thing, which I'm like, yo, that's so freak.

0:10:21.240 --> 0:10:25.240
<v Speaker 1>I know, I'm sorry, but it's so freaking and crazy

0:10:25.280 --> 0:10:27.480
<v Speaker 1>and I'm like, yikes. And so she's like, yeah, we're

0:10:27.520 --> 0:10:29.880
<v Speaker 1>just gonna go in. Because there's two types of surgeries.

0:10:29.880 --> 0:10:31.600
<v Speaker 1>You can have the one where it's like a laser

0:10:31.679 --> 0:10:33.559
<v Speaker 1>they kind of go in, and then there's one where

0:10:33.600 --> 0:10:36.080
<v Speaker 1>they actually like like almost like you're having a sea section,

0:10:36.200 --> 0:10:38.160
<v Speaker 1>like you know, you open yourself up and take out

0:10:38.880 --> 0:10:41.280
<v Speaker 1>a baby, but this time a fibroid. And I asked her, well,

0:10:41.360 --> 0:10:43.800
<v Speaker 1>because a lot of people were like, why not the laser,

0:10:43.840 --> 0:10:45.440
<v Speaker 1>And I asked her, why not the laser? She said,

0:10:45.480 --> 0:10:47.760
<v Speaker 1>because mine is so large. She said, there's a certain

0:10:47.800 --> 0:10:51.520
<v Speaker 1>finesse about basically because one of my fibroid is not

0:10:51.640 --> 0:10:53.840
<v Speaker 1>on the outside of the uterus, which I could still

0:10:53.840 --> 0:10:56.960
<v Speaker 1>have the baby if if if it was it's on

0:10:57.040 --> 0:11:01.320
<v Speaker 1>the inside, So that means that she wants to really

0:11:01.720 --> 0:11:04.840
<v Speaker 1>finesse taking it out and putting my uterus back together.

0:11:05.160 --> 0:11:08.400
<v Speaker 1>And with the laser, she it's not as she doesn't

0:11:08.400 --> 0:11:10.200
<v Speaker 1>have as much control. So she was like, you know,

0:11:10.440 --> 0:11:11.960
<v Speaker 1>if you were older and you're like, girl, I have

0:11:12.000 --> 0:11:14.280
<v Speaker 1>two kids, She's like, it would be different. But you know,

0:11:14.400 --> 0:11:16.280
<v Speaker 1>the purpose of the surgery is to make sure that

0:11:16.679 --> 0:11:18.760
<v Speaker 1>we're putting you back together so you can have kids,

0:11:18.760 --> 0:11:21.280
<v Speaker 1>and so woo woo. She was like, you know, she's

0:11:21.320 --> 0:11:22.920
<v Speaker 1>pretty confident that I should be able to get pregnant

0:11:22.920 --> 0:11:24.520
<v Speaker 1>pretty quickly. I told her I wanted to try in

0:11:24.640 --> 0:11:28.040
<v Speaker 1>vitro yeah after and she was like, well, why don't

0:11:28.040 --> 0:11:30.320
<v Speaker 1>you guys try natural for a while, And I said, honestly,

0:11:30.360 --> 0:11:34.120
<v Speaker 1>I'm thirty eight man, so I think that, you know,

0:11:34.520 --> 0:11:36.480
<v Speaker 1>and because the thing about in vitro, it's not like

0:11:36.559 --> 0:11:38.959
<v Speaker 1>we can't do both. It's not like we can't try naturally,

0:11:39.320 --> 0:11:41.640
<v Speaker 1>but I kind of don't want to like wait six

0:11:41.679 --> 0:11:43.679
<v Speaker 1>months to a year you know, if I was thirty,

0:11:43.720 --> 0:11:46.520
<v Speaker 1>I probably would honestly, we would probably try six months

0:11:46.520 --> 0:11:48.920
<v Speaker 1>to a year naturally. But since I'm thirty eight and

0:11:48.960 --> 0:11:50.800
<v Speaker 1>I'm kind of like, yeah, I just want to get

0:11:50.800 --> 0:11:52.400
<v Speaker 1>this party started. I mean that's a.

0:11:52.400 --> 0:11:55.920
<v Speaker 2>Whole doing the research part of it. Yeah, it's immediate

0:11:55.960 --> 0:11:56.920
<v Speaker 2>with actors and stuff.

0:11:57.240 --> 0:11:59.360
<v Speaker 1>Yeah, so I'm gonna bell I'll be laid up for

0:11:59.600 --> 0:12:02.760
<v Speaker 1>about four weeks. Well that's not true. Are You're not

0:12:02.800 --> 0:12:04.840
<v Speaker 1>really supposed to leave the house for about four weeks,

0:12:04.840 --> 0:12:06.640
<v Speaker 1>but they which you're supposed to walk around and stuff

0:12:06.679 --> 0:12:09.080
<v Speaker 1>like that, So it's not like you're like in the

0:12:09.080 --> 0:12:11.600
<v Speaker 1>bed for like four weeks. You're just not supposed to

0:12:11.640 --> 0:12:13.640
<v Speaker 1>like travel and stuff like that. So I was so

0:12:13.640 --> 0:12:15.640
<v Speaker 1>basically my regular life, but except for more of an

0:12:15.679 --> 0:12:19.400
<v Speaker 1>excuse not to leave the house because I like never

0:12:19.480 --> 0:12:20.959
<v Speaker 1>leave the house. But I just kind of want to

0:12:21.000 --> 0:12:22.880
<v Speaker 1>give everybody an update. And I know some of you

0:12:22.920 --> 0:12:25.319
<v Speaker 1>guys have. So many people have hit me up and

0:12:25.320 --> 0:12:28.360
<v Speaker 1>they're like, I have fiboids. It's crazy, Mandy, how many

0:12:28.360 --> 0:12:32.319
<v Speaker 1>women are dealing with in their thirties, especially because I

0:12:32.520 --> 0:12:35.520
<v Speaker 1>guess that's when fiboids typically tend to kind of like

0:12:36.040 --> 0:12:37.560
<v Speaker 1>pop up if you're going to have them either in

0:12:37.559 --> 0:12:38.800
<v Speaker 1>your thirties or after you have your.

0:12:38.760 --> 0:12:41.080
<v Speaker 2>Kids, and when do you So you don't really detect

0:12:41.120 --> 0:12:43.199
<v Speaker 2>them as that, you know, when you have your normal checkup,

0:12:43.960 --> 0:12:46.800
<v Speaker 2>you know the doctor will push around and feel your

0:12:46.880 --> 0:12:49.440
<v Speaker 2>uterus and stuff. But is that how you discovered them

0:12:49.800 --> 0:12:51.960
<v Speaker 2>or was it really just like had you not been

0:12:52.000 --> 0:12:54.280
<v Speaker 2>finding them during normal checkups? Like I'm just wondering if

0:12:54.280 --> 0:12:56.439
<v Speaker 2>you wanted to stay on top of it, how you would.

0:12:56.679 --> 0:12:58.440
<v Speaker 1>Yeah, you know, I did it. I mean I'm trying

0:12:58.440 --> 0:12:59.839
<v Speaker 1>to think like it had been a while since i'd

0:12:59.840 --> 0:13:02.480
<v Speaker 1>been into like, you know, my gynocologists, but i'd been

0:13:02.559 --> 0:13:06.560
<v Speaker 1>It wasn't like years. It happened only because I was like, hey,

0:13:07.160 --> 0:13:09.080
<v Speaker 1>you know I don't smoke, I don't drink, and you

0:13:09.080 --> 0:13:12.240
<v Speaker 1>know I exercise on occasion. Why are we not getting pregnant?

0:13:12.280 --> 0:13:15.400
<v Speaker 1>So it was that that was like, you know, it

0:13:15.480 --> 0:13:17.560
<v Speaker 1>was them looking to see like why are you not

0:13:17.600 --> 0:13:20.440
<v Speaker 1>getting pregnant? Is there something wrong? And so that's when

0:13:20.600 --> 0:13:23.040
<v Speaker 1>like the doctor was like, oh, you have fibroids, And

0:13:23.080 --> 0:13:25.680
<v Speaker 1>I was like, wait what she's you didn't know you

0:13:25.720 --> 0:13:28.719
<v Speaker 1>had fibroids? And I'm like, no, you know much. She's like,

0:13:28.760 --> 0:13:30.040
<v Speaker 1>one's the last time been to the doctor. It had

0:13:30.080 --> 0:13:32.760
<v Speaker 1>been maybe a year, I guess, but my normal annual checkup.

0:13:32.800 --> 0:13:35.200
<v Speaker 1>So I'm like, well, it hasn't been that long. And

0:13:35.280 --> 0:13:39.440
<v Speaker 1>she said, well, you're at the age where it's child bearing.

0:13:39.520 --> 0:13:41.559
<v Speaker 1>There's a hormone. I guess that. They're not really sure

0:13:41.559 --> 0:13:44.920
<v Speaker 1>where friboids come from, but she's like, it could have

0:13:44.960 --> 0:13:46.920
<v Speaker 1>grown in that time, and that's why you know, you

0:13:46.920 --> 0:13:49.840
<v Speaker 1>didn't You didn't know because I wasn't necessarily looking for it.

0:13:50.240 --> 0:13:53.920
<v Speaker 1>But yeah, I would just say that if you are,

0:13:54.320 --> 0:13:57.000
<v Speaker 1>one of the symptoms is heavy cramping and heavy periods.

0:13:57.040 --> 0:13:59.719
<v Speaker 1>But I wasn't even getting that, so you know, I

0:14:00.200 --> 0:14:02.320
<v Speaker 1>know to ask or to look, you know, but I

0:14:02.360 --> 0:14:04.360
<v Speaker 1>did notice that, Like I said, I had this little punch,

0:14:04.440 --> 0:14:05.800
<v Speaker 1>like even when I was working out, I'm like, why

0:14:05.840 --> 0:14:07.719
<v Speaker 1>is this little It wasn't a big belly, but this

0:14:07.880 --> 0:14:09.440
<v Speaker 1>little belly that I can't seem to get rid of.

0:14:09.480 --> 0:14:11.760
<v Speaker 1>It was basically the fibroids poking out, you know.

0:14:12.280 --> 0:14:14.240
<v Speaker 2>And is it hereditary? Like if you have a history

0:14:14.240 --> 0:14:15.200
<v Speaker 2>in your family.

0:14:16.480 --> 0:14:18.920
<v Speaker 1>I don't know, but they honestly don't know why. I mean,

0:14:19.160 --> 0:14:22.080
<v Speaker 1>in my family there is definitely a history, but the

0:14:22.120 --> 0:14:25.840
<v Speaker 1>truth of the matter is it's so common. I would say,

0:14:25.880 --> 0:14:28.320
<v Speaker 1>out of ten women that I've told, like my friends

0:14:28.320 --> 0:14:30.160
<v Speaker 1>that had fiveboids, four of them were like, oh yeah,

0:14:30.160 --> 0:14:33.280
<v Speaker 1>me too. Yeah, so it was I mean, of course

0:14:33.280 --> 0:14:36.840
<v Speaker 1>that's not some scientific study, but it was. It's so

0:14:36.960 --> 0:14:41.360
<v Speaker 1>much more normal than I ever knew that. You know

0:14:41.480 --> 0:14:44.000
<v Speaker 1>that so many women, especially my friends, in their thirties,

0:14:44.040 --> 0:14:46.880
<v Speaker 1>and I suspect, like I said that from what I'm

0:14:46.920 --> 0:14:49.080
<v Speaker 1>just doing a little bit of research finding out that

0:14:49.080 --> 0:14:53.080
<v Speaker 1>that's typically when they rear their heads, like in your thirties.

0:14:53.080 --> 0:14:54.720
<v Speaker 1>And the reason why I never really heard of it

0:14:54.760 --> 0:14:57.240
<v Speaker 1>is because I wasn't asking my friends in their twenties.

0:14:57.280 --> 0:14:58.840
<v Speaker 1>Plus we weren't trying to get pregnant for the most

0:14:58.840 --> 0:14:59.600
<v Speaker 1>part in our twenties.

0:14:59.760 --> 0:15:03.520
<v Speaker 2>Yeah, that's true, but it's like you're not alone though,

0:15:03.560 --> 0:15:05.880
<v Speaker 2>You're not alone among women who have like waited until

0:15:05.880 --> 0:15:09.920
<v Speaker 2>their mid to late thirties and maybe dealing with the

0:15:09.960 --> 0:15:13.280
<v Speaker 2>same things. So thanks for sharing it, and I hope

0:15:13.320 --> 0:15:14.480
<v Speaker 2>everything goes smoothly.

0:15:15.400 --> 0:15:17.760
<v Speaker 1>I know it's scary though, because I never had major surgery.

0:15:17.800 --> 0:15:19.480
<v Speaker 1>So when they talk to you, they're like, so, we're

0:15:19.480 --> 0:15:22.280
<v Speaker 1>gonna have like your blood on deck and I'm like, wait,

0:15:22.360 --> 0:15:23.640
<v Speaker 1>just in case you need a transfusion.

0:15:23.640 --> 0:15:25.680
<v Speaker 2>I'm like stacks on stacks on stacks, I.

0:15:25.640 --> 0:15:28.760
<v Speaker 1>Know, and just like little things that like, you know,

0:15:28.880 --> 0:15:31.280
<v Speaker 1>not little things, but like you know, its just I've

0:15:31.320 --> 0:15:33.560
<v Speaker 1>never had major surgery, so of course you're nervous. But

0:15:33.600 --> 0:15:35.880
<v Speaker 1>then part of me is like, well, a sea section,

0:15:35.960 --> 0:15:39.480
<v Speaker 1>which is basically what this is, is not uncommon. So it's

0:15:39.520 --> 0:15:42.280
<v Speaker 1>not like she's performing like like my husband had, you know,

0:15:42.360 --> 0:15:45.480
<v Speaker 1>the annualism brain surgery. I mean, that was like whoa,

0:15:45.640 --> 0:15:48.080
<v Speaker 1>But this is like, okay, Tiffany women have babies all

0:15:48.120 --> 0:15:52.040
<v Speaker 1>the time. Sea sections are done literally hundreds, if not thousands,

0:15:52.040 --> 0:15:54.400
<v Speaker 1>if now I'm sure tens of thousands of times a day.

0:15:55.080 --> 0:15:57.560
<v Speaker 1>So I mean it's not you know this like, oh

0:15:57.560 --> 0:15:59.480
<v Speaker 1>my gosh, I've never done this before. And this doctor

0:15:59.520 --> 0:16:02.400
<v Speaker 1>has been doing the surgery for twenty years. She's come

0:16:02.440 --> 0:16:04.600
<v Speaker 1>highly recommended. And this was like my second I always

0:16:04.720 --> 0:16:06.800
<v Speaker 1>I encourage everyone to get a second opinion because some

0:16:06.880 --> 0:16:10.080
<v Speaker 1>doctors are a little bit surgery happy. So this is

0:16:10.120 --> 0:16:13.320
<v Speaker 1>my third opinion. But I liked her how she explained

0:16:13.320 --> 0:16:17.440
<v Speaker 1>everything to me, and yeah, she just her bedside manner

0:16:17.480 --> 0:16:20.360
<v Speaker 1>and her explanation of why she's choosing this method was

0:16:20.400 --> 0:16:23.640
<v Speaker 1>really you know, it's what made me choose her. Yeah.

0:16:23.680 --> 0:16:26.960
<v Speaker 2>Absolutely, co sign don't be afraid to doctor shop if

0:16:27.000 --> 0:16:29.720
<v Speaker 2>you have time, and it's like non urgent. Yeah, I

0:16:29.720 --> 0:16:31.360
<v Speaker 2>went do the same thing with my with getting on

0:16:31.440 --> 0:16:35.120
<v Speaker 2>my tooth, my tooth surgery tooth operation. I hesitate to

0:16:35.120 --> 0:16:39.480
<v Speaker 2>call it surgery procedure, but yeah, that stuff is stressful

0:16:39.480 --> 0:16:42.400
<v Speaker 2>and it's your body, so definitely, I just I just

0:16:42.640 --> 0:16:44.240
<v Speaker 2>I think I went to three dentists till I found

0:16:44.320 --> 0:16:48.240
<v Speaker 2>and I actually liked. But so, what your surgery is

0:16:48.320 --> 0:16:50.120
<v Speaker 2>next week? Are we gonna have a show next week

0:16:50.240 --> 0:16:52.840
<v Speaker 2>or what'll we hear from you after the surgery? What's

0:16:53.040 --> 0:16:54.080
<v Speaker 2>what's this good? Yeah?

0:16:54.160 --> 0:16:55.800
<v Speaker 1>So yeah, well we'll have a show next week because

0:16:55.800 --> 0:16:57.960
<v Speaker 1>it's before my surgery is not until Thursday and so,

0:16:59.120 --> 0:17:01.480
<v Speaker 1>and then after that we'll play it by ear. I mean, honestly,

0:17:01.480 --> 0:17:03.040
<v Speaker 1>from what she said, she's like, girl, you'll be walking

0:17:03.080 --> 0:17:07.080
<v Speaker 1>around like it's not literally the life that she described

0:17:07.119 --> 0:17:08.920
<v Speaker 1>that I can have like for the next three weeks.

0:17:08.920 --> 0:17:11.800
<v Speaker 1>I'm like, oh, so my normal life, she was like,

0:17:11.840 --> 0:17:15.719
<v Speaker 1>I was like, oh yeah, so basically sitting standing like

0:17:16.119 --> 0:17:17.840
<v Speaker 1>I don't go to the office, so I'm not gonna

0:17:17.840 --> 0:17:20.439
<v Speaker 1>lie because I hate putting on pants, so I'd rather

0:17:20.520 --> 0:17:22.760
<v Speaker 1>just be home, like you know, in my nighty doing work.

0:17:22.960 --> 0:17:26.200
<v Speaker 1>So it's just an excuse to live my normal life.

0:17:26.240 --> 0:17:31.840
<v Speaker 1>So I don't anticipate it. Yeah, like I know Superman

0:17:32.040 --> 0:17:36.320
<v Speaker 1>is like I didn't sign up for this. No, he's awesome.

0:17:36.359 --> 0:17:38.199
<v Speaker 2>Depends what kind of nighty it is I.

0:17:39.680 --> 0:17:41.280
<v Speaker 1>Had, you know, I just say, like I did go

0:17:41.359 --> 0:17:44.720
<v Speaker 1>to Target. Target actually had some really cute nightgowns that

0:17:44.800 --> 0:17:47.520
<v Speaker 1>are like that. You know, they don't because you don't

0:17:47.520 --> 0:17:49.560
<v Speaker 1>want to wear I'm not trying to wear neglige ade

0:17:49.680 --> 0:17:51.800
<v Speaker 1>just like on a Tuesday at three, although I'm sure

0:17:52.000 --> 0:17:53.600
<v Speaker 1>you would love that, but you know, you want a

0:17:53.680 --> 0:17:56.680
<v Speaker 1>nightgown that's cute but also like comfortable, and so I like,

0:17:56.840 --> 0:17:57.840
<v Speaker 1>in between.

0:17:57.520 --> 0:18:00.719
<v Speaker 2>The double X college T shirt, I had a skimpy

0:18:00.840 --> 0:18:03.119
<v Speaker 2>Victorious Secret aisle like the middle Ground.

0:18:03.200 --> 0:18:06.040
<v Speaker 1>Yeah yeah, it almost looks like a like a Maxi dress,

0:18:06.040 --> 0:18:08.680
<v Speaker 1>like a summer dress. You know. Hm, so it's cute.

0:18:08.680 --> 0:18:11.359
<v Speaker 1>So yeah, so so I'm honestly, it seems like it'll

0:18:11.359 --> 0:18:13.560
<v Speaker 1>be my regular life minus travel.

0:18:14.240 --> 0:18:20.320
<v Speaker 2>Okay, it's happening, I know, great. I know at least

0:18:20.320 --> 0:18:23.120
<v Speaker 2>two women who've had the surgery and things have been fine,

0:18:23.960 --> 0:18:24.560
<v Speaker 2>they have babies.

0:18:24.960 --> 0:18:27.720
<v Speaker 1>Was it for the babies or was it for just because.

0:18:27.520 --> 0:18:29.200
<v Speaker 2>I don't know about the first one, but the most

0:18:29.240 --> 0:18:32.959
<v Speaker 2>recent one she only had the procedure over the summer,

0:18:33.280 --> 0:18:34.919
<v Speaker 2>and I actually don't know her well enough to be

0:18:35.000 --> 0:18:38.919
<v Speaker 2>checking in like that. So when you know people are trying,

0:18:39.080 --> 0:18:41.760
<v Speaker 2>it's you also don't want to ask. Yeah, Like it's

0:18:41.800 --> 0:18:43.760
<v Speaker 2>like when someone you know you always I don't know

0:18:44.040 --> 0:18:45.720
<v Speaker 2>it just you just wait for them to tell you

0:18:46.520 --> 0:18:48.159
<v Speaker 2>because it's kind of sensitive. You never know.

0:18:48.800 --> 0:18:51.000
<v Speaker 3>Yeah, all right.

0:18:50.800 --> 0:18:53.040
<v Speaker 1>All right, all right, out right out.

0:18:53.160 --> 0:18:56.600
<v Speaker 2>Yeah, So I wanted to mention real quick some people

0:18:56.600 --> 0:18:59.360
<v Speaker 2>are maybe noticing that the stock markets having a little

0:18:59.400 --> 0:19:02.680
<v Speaker 2>bit of a temperate interim right now. It went down,

0:19:02.880 --> 0:19:05.840
<v Speaker 2>the stock market went down today, and I just wanted

0:19:05.880 --> 0:19:07.520
<v Speaker 2>I just thought it was a good opportunity to talk

0:19:07.560 --> 0:19:09.560
<v Speaker 2>because like I just checked my four oh one K

0:19:09.680 --> 0:19:12.639
<v Speaker 2>from the last year, and if you do that, you

0:19:12.720 --> 0:19:14.720
<v Speaker 2>might see if you've been investing in this past year,

0:19:14.760 --> 0:19:17.720
<v Speaker 2>you might see in incredible returns. Like in the past year,

0:19:17.800 --> 0:19:20.280
<v Speaker 2>my my four to oh one K, which I don't

0:19:20.320 --> 0:19:23.160
<v Speaker 2>do anything fancy with, was up twenty two percent, which

0:19:23.200 --> 0:19:26.320
<v Speaker 2>is in freaking sane, like the markets for just raging

0:19:26.400 --> 0:19:29.160
<v Speaker 2>this year, but like what goes up must come down,

0:19:29.840 --> 0:19:31.880
<v Speaker 2>and I think it's I think this is a time

0:19:31.920 --> 0:19:36.120
<v Speaker 2>when you just remind people that yes, we've had this crazy,

0:19:36.160 --> 0:19:40.119
<v Speaker 2>amazing bull market and your stocks are doing great, but

0:19:40.640 --> 0:19:43.800
<v Speaker 2>there's gonna be probably a correction, like socks are probably

0:19:43.880 --> 0:19:46.840
<v Speaker 2>going to go down. But the point of the key

0:19:46.920 --> 0:19:50.480
<v Speaker 2>here is to remember, so long as you're well diversified

0:19:50.720 --> 0:19:53.800
<v Speaker 2>in your investments, it's better to just don't do anything, like,

0:19:53.840 --> 0:19:57.440
<v Speaker 2>don't freak out, don't try to fiddle with things, don't

0:19:57.440 --> 0:20:00.200
<v Speaker 2>try to sell everything. If you're investing for like I'm

0:20:00.200 --> 0:20:03.479
<v Speaker 2>a retirement investor, like I'm I'm investing for the long term.

0:20:03.920 --> 0:20:07.119
<v Speaker 2>And again and again, it's like experts say, just don't

0:20:07.119 --> 0:20:10.919
<v Speaker 2>do anything, like research has shown and they've actually done this.

0:20:10.960 --> 0:20:13.760
<v Speaker 2>They've gone back and looked at studies of investors like

0:20:13.800 --> 0:20:17.440
<v Speaker 2>four to one K investors who sold during the recession,

0:20:17.880 --> 0:20:20.880
<v Speaker 2>and they have done worse than people who just stayed

0:20:21.000 --> 0:20:24.520
<v Speaker 2>and rowed, just rode the wave. That's just what the

0:20:24.520 --> 0:20:26.959
<v Speaker 2>market does. It goes up, it goes down, it goes up,

0:20:27.000 --> 0:20:28.920
<v Speaker 2>it goes down. That's just it's always going to happen

0:20:28.960 --> 0:20:32.640
<v Speaker 2>that way, So don't be too freaked out by the headlines.

0:20:33.560 --> 0:20:36.240
<v Speaker 2>This is just is this is honestly just what everyone's

0:20:36.280 --> 0:20:39.680
<v Speaker 2>been expecting for a while, and who knows, it could

0:20:39.680 --> 0:20:41.480
<v Speaker 2>be back up tomorrow, but I just thought I would

0:20:42.440 --> 0:20:44.159
<v Speaker 2>give that little public service announcement.

0:20:44.960 --> 0:20:47.440
<v Speaker 1>No, it is hard, especially if you're checking, like you said,

0:20:47.520 --> 0:20:50.520
<v Speaker 1>every single day, so they really kind of tell you

0:20:50.720 --> 0:20:54.920
<v Speaker 1>not to, especially if you're now if you're a trading right,

0:20:55.080 --> 0:20:58.840
<v Speaker 1>So yeah, difference, I know. So trading is kind of

0:20:58.880 --> 0:21:01.000
<v Speaker 1>like when you literally trade, you go in, you go out,

0:21:01.000 --> 0:21:02.800
<v Speaker 1>you go in, you go out. But if you're investing,

0:21:02.840 --> 0:21:06.440
<v Speaker 1>like Mandy said, for long term, then you know the

0:21:06.880 --> 0:21:09.400
<v Speaker 1>ups and the downs are part of the overall growth,

0:21:10.320 --> 0:21:12.119
<v Speaker 1>you know, and so you just kind of like, okay,

0:21:12.200 --> 0:21:14.360
<v Speaker 1>I know that in the end, I mean, unless you're

0:21:14.400 --> 0:21:17.040
<v Speaker 1>like retiring tomorrow, I should be in a better position.

0:21:17.600 --> 0:21:20.040
<v Speaker 2>Well, if you are retiring tomorrow, like that's that's the thing.

0:21:20.080 --> 0:21:22.080
<v Speaker 2>That's the reason that they say, you know, once once

0:21:22.119 --> 0:21:24.720
<v Speaker 2>a year, once every couple of years, if you're younger,

0:21:24.880 --> 0:21:27.600
<v Speaker 2>check in and maybe recalibrate your portfolio, like get a

0:21:27.640 --> 0:21:30.040
<v Speaker 2>little bit out of stocks and more into like secure,

0:21:30.119 --> 0:21:34.480
<v Speaker 2>more into safe, safe investments like bonds and CDs and

0:21:34.520 --> 0:21:36.520
<v Speaker 2>things like that. But as you're older, you should be

0:21:36.600 --> 0:21:39.639
<v Speaker 2>shifting in that direction, like less exposed to risk, like

0:21:39.760 --> 0:21:42.880
<v Speaker 2>less stocks and shifting more to safe investments like bonds

0:21:42.920 --> 0:21:46.120
<v Speaker 2>and CDs and things like that. That's so like when

0:21:46.119 --> 0:21:48.119
<v Speaker 2>I have a target date fund. You guys might have

0:21:48.160 --> 0:21:49.879
<v Speaker 2>heard of target date funds. This is a type of

0:21:49.960 --> 0:21:54.600
<v Speaker 2>investment account that is like it's sort of like a

0:21:54.600 --> 0:21:57.320
<v Speaker 2>a pre made a pre made retirement fund for you.

0:21:57.359 --> 0:22:00.760
<v Speaker 2>They've done the asset allocation, and as you ate, they

0:22:00.800 --> 0:22:06.359
<v Speaker 2>shift things over the internet. The web, the robots shift

0:22:06.359 --> 0:22:08.199
<v Speaker 2>things over for you, so you don't even have to

0:22:08.200 --> 0:22:10.439
<v Speaker 2>You literally can set it and forget it. So you

0:22:10.480 --> 0:22:12.360
<v Speaker 2>pick a target dat fund that's like tied to your

0:22:12.400 --> 0:22:16.600
<v Speaker 2>retirement year. I think mine's a twenty fifty five, and

0:22:16.680 --> 0:22:18.720
<v Speaker 2>I don't have to do anything. As I get older,

0:22:18.800 --> 0:22:21.720
<v Speaker 2>it's going to become less risky. And so if there

0:22:21.760 --> 0:22:24.160
<v Speaker 2>were a super like if the market did go down

0:22:24.200 --> 0:22:26.760
<v Speaker 2>when I was older and close to retirement, the aim

0:22:26.840 --> 0:22:28.959
<v Speaker 2>there is that, Okay, I wouldn't be as exposed as

0:22:28.960 --> 0:22:31.919
<v Speaker 2>I am now at thirty, and then I wouldn't feel

0:22:31.960 --> 0:22:34.480
<v Speaker 2>that pain of that downturn so much so people who

0:22:34.520 --> 0:22:37.000
<v Speaker 2>really felt pain with people who were too heavily exposed,

0:22:37.280 --> 0:22:40.800
<v Speaker 2>too close to retirement, and probably we're taking on more

0:22:40.880 --> 0:22:41.760
<v Speaker 2>risk than they should have.

0:22:43.000 --> 0:22:45.960
<v Speaker 1>Yeah, and so you have to know that, like it's

0:22:46.080 --> 0:22:50.320
<v Speaker 1>important that when you're you're thinking about investments that there

0:22:50.359 --> 0:22:52.800
<v Speaker 1>there's more than one way. So where tire people don't

0:22:52.800 --> 0:22:55.199
<v Speaker 1>think about retirement. I'm glad you made that distinction that

0:22:55.400 --> 0:22:58.679
<v Speaker 1>as retirement as an investment, it is so me I

0:22:58.760 --> 0:23:01.840
<v Speaker 1>have too. So like I invest for retirement, which is

0:23:01.880 --> 0:23:05.520
<v Speaker 1>the express desire to have a certain amount of money

0:23:05.600 --> 0:23:08.439
<v Speaker 1>by a certain age, but then I also invest specifically

0:23:08.440 --> 0:23:11.040
<v Speaker 1>for wealth, So that's I don't put as much money

0:23:12.000 --> 0:23:14.720
<v Speaker 1>toward that, but it's money that you know, I'm a

0:23:14.720 --> 0:23:17.879
<v Speaker 1>little bit more risky with, and the express desire for

0:23:17.920 --> 0:23:21.439
<v Speaker 1>that money is to grow myself wealth. And so I

0:23:21.520 --> 0:23:24.280
<v Speaker 1>kind of put my investments into two different kind of

0:23:24.320 --> 0:23:26.720
<v Speaker 1>like pots like that, where I'm like, okay, I set

0:23:26.720 --> 0:23:29.439
<v Speaker 1>aside a specific amount every single month for retirement, so

0:23:29.520 --> 0:23:32.359
<v Speaker 1>by the time I'm fifty, that's kind of like my age.

0:23:32.400 --> 0:23:34.439
<v Speaker 1>By the time I'm fifty, I'll have a certain amount

0:23:34.440 --> 0:23:37.159
<v Speaker 1>of money. And then for wealth, I'm like Okay, I

0:23:37.160 --> 0:23:39.560
<v Speaker 1>set aside less money, but I'm more risky where I'm like,

0:23:39.560 --> 0:23:41.720
<v Speaker 1>if I lose the money, it won't be detrimental because

0:23:41.760 --> 0:23:43.760
<v Speaker 1>I have my retirement.

0:23:43.320 --> 0:23:47.200
<v Speaker 2>Nest egg exactly. It's like you have to ask yourself, like, Okay,

0:23:47.240 --> 0:23:49.480
<v Speaker 2>what am I saving for? And then how much time

0:23:49.520 --> 0:23:52.560
<v Speaker 2>do I have if you're like for me saving for it.

0:23:52.560 --> 0:23:55.000
<v Speaker 2>We've always had our down payment for a house. Honestly,

0:23:55.119 --> 0:23:56.800
<v Speaker 2>now we've had it for like two years. Probably should

0:23:56.800 --> 0:23:58.399
<v Speaker 2>have put it in a CD by the time we

0:23:58.400 --> 0:24:00.199
<v Speaker 2>thought we would need it within a year, so that

0:24:00.280 --> 0:24:02.920
<v Speaker 2>in savings. But yeah, if we were going to play

0:24:02.960 --> 0:24:05.399
<v Speaker 2>with some money to maybe I don't know, go on

0:24:05.440 --> 0:24:08.080
<v Speaker 2>a vacation, a big or fifth anniversary trip or something

0:24:08.119 --> 0:24:10.480
<v Speaker 2>like that, I wouldn't mind putting that into a little

0:24:10.480 --> 0:24:12.679
<v Speaker 2>investment fund like a little brokerage account and letting it

0:24:12.680 --> 0:24:17.639
<v Speaker 2>grow for a while. Yeah, just just just ask yourself

0:24:17.680 --> 0:24:20.080
<v Speaker 2>those questions before and ask yourself, is it the wisest

0:24:20.119 --> 0:24:23.120
<v Speaker 2>decision too? I don't know put my you know, I've

0:24:23.119 --> 0:24:25.400
<v Speaker 2>got two years before my kid graduates college. I really

0:24:25.440 --> 0:24:28.159
<v Speaker 2>want to gamble their college savings in the market. But

0:24:28.240 --> 0:24:30.119
<v Speaker 2>when they're two months old, Yeah, maybe you want to

0:24:30.119 --> 0:24:33.480
<v Speaker 2>open up an investment account and be a little riskier

0:24:33.520 --> 0:24:37.359
<v Speaker 2>because you got eighteen years to invest for their college. Yeah,

0:24:37.480 --> 0:24:39.439
<v Speaker 2>that's the kind of conversation you should be having with

0:24:39.880 --> 0:24:44.000
<v Speaker 2>your spouse, with a professional financial advisor, just someone who

0:24:44.080 --> 0:24:45.960
<v Speaker 2>can help you line up your goals and then work

0:24:46.000 --> 0:24:46.560
<v Speaker 2>on them.

0:24:47.000 --> 0:24:49.480
<v Speaker 1>Actually, somebody sent me like, just like on ig a store,

0:24:49.480 --> 0:24:51.760
<v Speaker 1>if we can save it for question? But it ties

0:24:51.760 --> 0:24:55.080
<v Speaker 1>in perfectly with this about say put it setting inside

0:24:55.119 --> 0:24:57.880
<v Speaker 1>money in your four one K versus paying off debt,

0:24:57.960 --> 0:24:58.800
<v Speaker 1>so we can maybe.

0:24:58.920 --> 0:24:59.880
<v Speaker 2>Oh I love that question.

0:25:00.160 --> 0:25:10.439
<v Speaker 3>M it's a good one.

0:25:11.840 --> 0:25:16.040
<v Speaker 1>Okay, So are you ready to break or boothe break

0:25:16.480 --> 0:25:19.840
<v Speaker 1>or boooo? I already told you where my break is

0:25:19.840 --> 0:25:21.840
<v Speaker 1>going to be. If you want to go first, I

0:25:21.880 --> 0:25:24.560
<v Speaker 1>will certainly welcome it. Or I can go first. It's

0:25:24.720 --> 0:25:25.200
<v Speaker 1>a deep one.

0:25:25.320 --> 0:25:27.280
<v Speaker 2>Oh I'll go first. I'll go first. I was gonna

0:25:27.359 --> 0:25:29.080
<v Speaker 2>I can do. I'm gonna do a pre boost for

0:25:29.160 --> 0:25:33.399
<v Speaker 2>my real boost. Unrelated, but I literally spent like I

0:25:33.440 --> 0:25:36.240
<v Speaker 2>don't know, half the weekend watching Living Single on Hulu.

0:25:36.560 --> 0:25:39.280
<v Speaker 2>I was I posted on our Facebook. I really was

0:25:39.320 --> 0:25:42.160
<v Speaker 2>not kidding. My weekend was made. I had no idea

0:25:42.160 --> 0:25:44.639
<v Speaker 2>it was coming back that show. I probably watched it

0:25:44.680 --> 0:25:46.000
<v Speaker 2>when I was too young to be watching it.

0:25:46.600 --> 0:25:48.080
<v Speaker 1>But wait, it's coming back.

0:25:48.200 --> 0:25:50.600
<v Speaker 2>No, it's back. It's on Hulu. Who Okay, two things. One,

0:25:50.640 --> 0:25:54.120
<v Speaker 2>it's on Hulu too. Yes, they're talking about revising it

0:25:54.400 --> 0:25:57.520
<v Speaker 2>with the original cast, which I am like losing my

0:25:57.600 --> 0:26:03.760
<v Speaker 2>mind over losing it because I mean, yes, Max Attorney

0:26:03.800 --> 0:26:08.560
<v Speaker 2>in Law, Yes, yes, Sinclair Overton.

0:26:08.480 --> 0:26:10.680
<v Speaker 1>Oh my gosh, Rage.

0:26:10.760 --> 0:26:14.000
<v Speaker 2>Regine Kyle. I don't even know who the rest of

0:26:14.000 --> 0:26:15.639
<v Speaker 2>the cast is. But it's fun to go back and

0:26:15.720 --> 0:26:18.600
<v Speaker 2>watch old episodes because you see people like Terrence Howard

0:26:18.680 --> 0:26:22.000
<v Speaker 2>was in It's it's so funny. But this show is everything,

0:26:22.040 --> 0:26:24.280
<v Speaker 2>and it's just anyway I had. I've had the theme

0:26:24.320 --> 0:26:26.560
<v Speaker 2>song in my head all weekend, like.

0:26:26.760 --> 0:26:30.240
<v Speaker 1>Oh yeah, this was quintessential nineties.

0:26:30.480 --> 0:26:32.680
<v Speaker 2>And not only that, but like, regive it respect because

0:26:32.680 --> 0:26:35.000
<v Speaker 2>this show was like the launching pad for other shows

0:26:35.040 --> 0:26:38.240
<v Speaker 2>like Friends. I mean this show, this show. Everyone wanted

0:26:38.280 --> 0:26:39.560
<v Speaker 2>to repeat what they had with the show, and I

0:26:39.600 --> 0:26:41.560
<v Speaker 2>couldn't believe it was just on five seasons.

0:26:41.960 --> 0:26:44.679
<v Speaker 1>I didn't know that. Yeah, I love Queen Lati. You

0:26:44.680 --> 0:26:48.320
<v Speaker 1>know she's from Newark and Newark Flash Rbton like this area,

0:26:48.320 --> 0:26:50.719
<v Speaker 1>and so I believe I think her mom was retired,

0:26:50.760 --> 0:26:54.800
<v Speaker 1>but she she was a teacher at high school I

0:26:54.840 --> 0:26:58.360
<v Speaker 1>believe in Newark for a number of years until she retired.

0:26:58.440 --> 0:27:05.560
<v Speaker 1>So Queen Latifa is like, yeah, she is the Owens.

0:27:05.800 --> 0:27:10.520
<v Speaker 2>Yeah, okay, that's my pre boost. Okay, so the nineties

0:27:10.560 --> 0:27:12.840
<v Speaker 2>are back. They're like bringing back Roseanne too. I can't

0:27:12.880 --> 0:27:16.639
<v Speaker 2>okay too much nineties. So my real boost is so

0:27:16.680 --> 0:27:19.360
<v Speaker 2>we all know that after the Golden Globes, the success

0:27:19.359 --> 0:27:21.960
<v Speaker 2>of the Golden Globes, everyone was all fired up about

0:27:22.000 --> 0:27:24.000
<v Speaker 2>the times Up movement, and then it came out that

0:27:24.160 --> 0:27:28.320
<v Speaker 2>Michelle Williams, who walked the red carpet with Tarana Burke,

0:27:28.760 --> 0:27:31.160
<v Speaker 2>the founder of the Me Too movement, it came out

0:27:31.200 --> 0:27:34.000
<v Speaker 2>that she was paid like one thousand dollars for a

0:27:34.040 --> 0:27:37.720
<v Speaker 2>reshoot of a film, and her co star Mark Wahlberg,

0:27:37.760 --> 0:27:40.879
<v Speaker 2>who somehow is the highest paid actor in America, was

0:27:40.920 --> 0:27:45.600
<v Speaker 2>paid like a million dollars, yeah, for the same reshoot.

0:27:45.680 --> 0:27:48.760
<v Speaker 2>And actually the reshoot the only reason the reshoot happened

0:27:49.160 --> 0:27:54.400
<v Speaker 2>is because Kevin Spacey, the actor who a celebrity came

0:27:54.400 --> 0:27:56.520
<v Speaker 2>out or an actor came out and said that when

0:27:56.560 --> 0:27:59.680
<v Speaker 2>he was a teenager, Kevin Spacey assaulted him and all

0:27:59.680 --> 0:28:02.360
<v Speaker 2>these other revelations about Kevin Spacey came out from other

0:28:02.400 --> 0:28:05.080
<v Speaker 2>people coming forward, and he was kicked off this movie.

0:28:05.080 --> 0:28:06.719
<v Speaker 2>He wasn't kicked He wasn't kicked off the movie. He'd

0:28:06.760 --> 0:28:09.120
<v Speaker 2>already done his part in film that the movie was done,

0:28:09.520 --> 0:28:11.959
<v Speaker 2>but the director decided to recast him and then go

0:28:12.080 --> 0:28:14.199
<v Speaker 2>back and reshoot his scenes with the different actors. So

0:28:15.080 --> 0:28:18.000
<v Speaker 2>Michelle Williams Mark Wahlberg were called in to do those reshoots,

0:28:18.000 --> 0:28:19.840
<v Speaker 2>and then they found it came it got, it got

0:28:19.880 --> 0:28:23.640
<v Speaker 2>leaked to the process. Yeah, she was paid one thousand,

0:28:23.640 --> 0:28:24.680
<v Speaker 2>and he was paid like.

0:28:24.960 --> 0:28:27.920
<v Speaker 1>One million, like one zero zero zero, like.

0:28:28.440 --> 0:28:31.320
<v Speaker 2>Yes, one thousand. So apparently he was on he was

0:28:31.359 --> 0:28:34.000
<v Speaker 2>on some special contract that he had negotiated and he

0:28:34.040 --> 0:28:37.080
<v Speaker 2>got he just got. He was able to renegotiate. Whereas

0:28:37.119 --> 0:28:39.960
<v Speaker 2>she she got the union rate, like if you're an actor,

0:28:40.040 --> 0:28:42.640
<v Speaker 2>you're part of sack. She got the union rate for

0:28:43.080 --> 0:28:45.120
<v Speaker 2>But once it leaked, it was I mean, it was

0:28:45.480 --> 0:28:48.360
<v Speaker 2>obviously the timing of it was so ironic. But anyway,

0:28:48.520 --> 0:28:51.040
<v Speaker 2>I h it turns out Mark Wahlberg in the end

0:28:51.080 --> 0:28:54.320
<v Speaker 2>decided to donate his salary to I don't know if

0:28:54.320 --> 0:28:55.640
<v Speaker 2>it was to the Times that I think it was

0:28:55.680 --> 0:28:58.800
<v Speaker 2>to the Times Up movement. He decided he pledged a

0:28:58.840 --> 0:29:01.400
<v Speaker 2>million and a half dollars to times Up. I love it, Okay,

0:29:01.520 --> 0:29:03.520
<v Speaker 2>this was one way to handle that because it's not

0:29:03.560 --> 0:29:06.960
<v Speaker 2>necessarily his fault. It's the people. It's the people on

0:29:07.000 --> 0:29:09.720
<v Speaker 2>the other end who are seeing everything. And it's also

0:29:09.760 --> 0:29:13.600
<v Speaker 2>like Michelle Williams agent like her agent should probably.

0:29:13.920 --> 0:29:17.280
<v Speaker 1>Yeah, I need you to yeah, get on that. Wow.

0:29:17.440 --> 0:29:19.960
<v Speaker 1>I'm like, I just because when you said a thousand,

0:29:20.000 --> 0:29:21.920
<v Speaker 1>I said, oh, she must me one hundred thousand, which

0:29:22.000 --> 0:29:25.800
<v Speaker 1>is still terrible. A thousand dollars girl, Like I could

0:29:25.800 --> 0:29:26.320
<v Speaker 1>pay you that?

0:29:27.120 --> 0:29:27.440
<v Speaker 2>Yeah?

0:29:28.280 --> 0:29:31.640
<v Speaker 1>Yeah, And how's that a boost again? Oh?

0:29:31.680 --> 0:29:34.440
<v Speaker 2>It was a boost for the way Mark Anthony, Mark Anthony,

0:29:35.040 --> 0:29:36.720
<v Speaker 2>it was a boost for the way that he handled it.

0:29:36.840 --> 0:29:39.040
<v Speaker 1>Okay. Yeah, I was like, wait a minute, I got

0:29:39.080 --> 0:29:40.680
<v Speaker 1>lost to the sauce, Like, wait a minute, how is

0:29:40.720 --> 0:29:41.040
<v Speaker 1>that good?

0:29:41.160 --> 0:29:42.000
<v Speaker 3>And there's more.

0:29:42.120 --> 0:29:44.360
<v Speaker 2>It's a multi layered boost. Not only are you getting

0:29:44.360 --> 0:29:47.880
<v Speaker 2>a pre boost, you're also getting a multi layered post boost. Okay,

0:29:48.080 --> 0:29:50.960
<v Speaker 2>So other actors who I've worked with, so Woody Allen

0:29:51.080 --> 0:29:53.960
<v Speaker 2>obviously has he has a the Sordid Pass where his

0:29:54.040 --> 0:29:56.920
<v Speaker 2>stepdaughter accused him of sexually molesting her, and then everyone

0:29:56.960 --> 0:29:58.800
<v Speaker 2>just kind of ignored it, and he's continued to like

0:29:58.880 --> 0:30:01.280
<v Speaker 2>want oscars when I and work with the best of

0:30:01.320 --> 0:30:04.960
<v Speaker 2>the best actors. So finally it seems like people are

0:30:04.960 --> 0:30:08.200
<v Speaker 2>willing to turn their back or at least at least

0:30:08.280 --> 0:30:10.720
<v Speaker 2>acknowledge what happened. So there's some actors who have pledged

0:30:10.760 --> 0:30:12.320
<v Speaker 2>not to work with him, and then a couple who

0:30:12.360 --> 0:30:16.200
<v Speaker 2>recently worked with him have donated their salaries to pro

0:30:16.320 --> 0:30:19.000
<v Speaker 2>women charities, including Times UP.

0:30:19.320 --> 0:30:22.480
<v Speaker 1>So I saw that someone that Selena Gomez, her mother

0:30:22.680 --> 0:30:25.840
<v Speaker 1>like either tweeted her or ig like was like yeah.

0:30:25.840 --> 0:30:28.320
<v Speaker 1>I told Selena, like, that's not you shouldn't work with him,

0:30:28.720 --> 0:30:33.080
<v Speaker 1>that you have this show about discrimination toward women, And

0:30:33.120 --> 0:30:34.880
<v Speaker 1>I don't know what the show was. That Selena is

0:30:34.960 --> 0:30:37.480
<v Speaker 1>like executive producing whatever, why would you work with him?

0:30:37.520 --> 0:30:40.520
<v Speaker 1>And like, so her mom not threw her under the bus,

0:30:40.520 --> 0:30:42.160
<v Speaker 1>but I think someone asked her, why should you go

0:30:42.280 --> 0:30:44.040
<v Speaker 1>to work with him? She's like Selena, as an adult,

0:30:44.200 --> 0:30:45.800
<v Speaker 1>it can make her own choices. I told her it

0:30:45.840 --> 0:30:47.440
<v Speaker 1>wasn't a good idea, but at the end of the day,

0:30:47.760 --> 0:30:49.440
<v Speaker 1>she can make her own choices, and she did. And

0:30:49.480 --> 0:30:52.239
<v Speaker 1>I don't agree with it. I said, oh, I know,

0:30:52.600 --> 0:30:52.880
<v Speaker 1>she was.

0:30:52.880 --> 0:30:54.720
<v Speaker 2>One of the ones who well she yeah, she was

0:30:54.760 --> 0:30:56.680
<v Speaker 2>one of the ones who said that they were donating

0:30:56.720 --> 0:31:00.920
<v Speaker 2>to the cause because she had worked with Fordy Allen.

0:31:02.920 --> 0:31:06.520
<v Speaker 1>Child. There's so much going on. I'm like, oh my gosh.

0:31:06.520 --> 0:31:09.400
<v Speaker 1>I mean it's good that things. You know, if they say,

0:31:09.520 --> 0:31:12.400
<v Speaker 1>you know, somebody's grandma's does what what doesn't come out

0:31:12.800 --> 0:31:16.320
<v Speaker 1>and in the wash comes out in the rents, you

0:31:16.360 --> 0:31:21.480
<v Speaker 1>know the yeah. So it's like so eventually, basically you

0:31:21.520 --> 0:31:24.320
<v Speaker 1>know what happens. Eventually you know it's not it can't

0:31:24.320 --> 0:31:27.760
<v Speaker 1>stay a secret forever, basically, and so secrets are being

0:31:27.880 --> 0:31:30.360
<v Speaker 1>exposed and shared as they ought to be. It's just

0:31:30.400 --> 0:31:33.440
<v Speaker 1>that some days you're just like boom boom boom boom boom.

0:31:34.520 --> 0:31:37.840
<v Speaker 1>So you know what, in honor of your your multi

0:31:37.920 --> 0:31:41.320
<v Speaker 1>layered boost, I'm actually going to do a multi layered break.

0:31:41.800 --> 0:31:42.680
<v Speaker 2>Oh love it.

0:31:43.520 --> 0:31:45.960
<v Speaker 1>So first break just a little something light to the

0:31:46.000 --> 0:31:49.160
<v Speaker 1>other one's kind of heavy, just hit me. So first

0:31:49.160 --> 0:31:52.840
<v Speaker 1>Break is for folks that always want to meet in

0:31:52.880 --> 0:31:56.840
<v Speaker 1>person when a phone call is enough? Why why why

0:31:56.960 --> 0:32:00.280
<v Speaker 1>why why why? So because people will be like, I

0:32:00.520 --> 0:32:03.600
<v Speaker 1>get it. FaceTime is definitely great, but sometimes people will

0:32:03.640 --> 0:32:06.960
<v Speaker 1>want to meet, especially like if I know you, I'm like, girl,

0:32:07.160 --> 0:32:09.760
<v Speaker 1>like we're not strangers, We're not like you know, trying

0:32:09.800 --> 0:32:12.200
<v Speaker 1>to just didn't know each other and let me meet

0:32:12.240 --> 0:32:15.040
<v Speaker 1>you sometimes, you know, like I'll have meetings and I'm like,

0:32:15.080 --> 0:32:18.560
<v Speaker 1>this could have so been a phone call and I

0:32:18.560 --> 0:32:20.080
<v Speaker 1>could have still been in my ninety.

0:32:20.200 --> 0:32:22.479
<v Speaker 2>And there's some people You're like, I know you enough already.

0:32:22.480 --> 0:32:25.080
<v Speaker 1>We don't need Yeah, we don't need to, like like

0:32:25.080 --> 0:32:27.000
<v Speaker 1>if we're gonna meet, like you know, it doesn't have

0:32:27.040 --> 0:32:29.600
<v Speaker 1>to be this formal meeting, like you know. So that's

0:32:29.640 --> 0:32:31.640
<v Speaker 1>a little break. So stop trying to meet with people

0:32:31.760 --> 0:32:35.680
<v Speaker 1>if you really could have a phone call, because it's

0:32:35.760 --> 0:32:39.440
<v Speaker 1>just a waste because the travel time, they get ready time,

0:32:40.040 --> 0:32:42.240
<v Speaker 1>Like I prefer to look crazy at home in my

0:32:42.480 --> 0:32:44.480
<v Speaker 1>target nighty talking to you on the phone and just

0:32:44.520 --> 0:32:47.760
<v Speaker 1>getting down to business. So that's one that's a light

0:32:47.920 --> 0:32:51.520
<v Speaker 1>break and a heavy break is And I wasn't even

0:32:51.520 --> 0:32:54.520
<v Speaker 1>gonna mention it, but I'm like, you know what forty

0:32:54.560 --> 0:32:58.840
<v Speaker 1>five and his remarks on Haiti and African nations, calling

0:32:58.880 --> 0:33:03.760
<v Speaker 1>them s whole countries, and I was just like, you

0:33:03.800 --> 0:33:07.080
<v Speaker 1>know what, I'm actually gonna boost Lola Lola, I'm gonna

0:33:07.080 --> 0:33:09.120
<v Speaker 1>say your name wrong and they're gonna take my Ebo card.

0:33:09.840 --> 0:33:11.320
<v Speaker 1>Ugh he Lola, what is your name? Oh?

0:33:11.360 --> 0:33:12.320
<v Speaker 2>Oh, they're coming for you.

0:33:12.720 --> 0:33:15.360
<v Speaker 1>I know they are because they're like word tippany honestly,

0:33:15.920 --> 0:33:23.520
<v Speaker 1>like she is a is an anchor, Lola Ogunaki, o Gunaki. Oh,

0:33:23.520 --> 0:33:25.760
<v Speaker 1>I think I said it right, O Gunaki, Lola Ogunaki.

0:33:26.000 --> 0:33:28.959
<v Speaker 1>She's my girl and she's the host of Entertainment Weekly.

0:33:29.200 --> 0:33:34.040
<v Speaker 1>But she was recently on CNN and she decided to

0:33:34.080 --> 0:33:38.240
<v Speaker 1>talk about these countries that especially because Lola is Nigerian

0:33:38.320 --> 0:33:41.040
<v Speaker 1>like myself, and she was like, let me give you

0:33:41.120 --> 0:33:44.440
<v Speaker 1>some stats about this whole country that the president is

0:33:44.480 --> 0:33:48.280
<v Speaker 1>describing that you know, like the stats on level of

0:33:48.400 --> 0:33:51.000
<v Speaker 1>education and what they bring. One thing she said that

0:33:51.040 --> 0:33:53.000
<v Speaker 1>was thought that was like WHOA. I didn't realize that

0:33:53.080 --> 0:33:56.400
<v Speaker 1>she was like that Nigerians. That's one of the countries

0:33:56.440 --> 0:33:59.760
<v Speaker 1>that the President said that why are these people coming here?

0:34:00.520 --> 0:34:03.000
<v Speaker 1>That we have people like Norway instead coming here, which

0:34:03.000 --> 0:34:05.200
<v Speaker 1>basically means why are black and brown people coming here?

0:34:05.240 --> 0:34:07.600
<v Speaker 1>We much rather have white people, which is like, that's

0:34:07.600 --> 0:34:10.239
<v Speaker 1>the definition of racist. Although forty five, will you know

0:34:10.280 --> 0:34:14.400
<v Speaker 1>he's the least racist person ever but you know whatever,

0:34:15.120 --> 0:34:18.080
<v Speaker 1>And so she had a stat where she said, Nigerians

0:34:18.120 --> 0:34:22.520
<v Speaker 1>make up less than one percent of the African American

0:34:22.520 --> 0:34:25.720
<v Speaker 1>population here in America, of the black population here in America,

0:34:26.080 --> 0:34:29.680
<v Speaker 1>but make up like twenty five percent of those like

0:34:29.760 --> 0:34:35.160
<v Speaker 1>in college or uh. And so basically you're saying like

0:34:35.440 --> 0:34:40.040
<v Speaker 1>that this is a country that like's yielding like terrible people,

0:34:40.280 --> 0:34:44.120
<v Speaker 1>and the numbers say that's a lie. And you know

0:34:44.239 --> 0:34:46.520
<v Speaker 1>it just I said I wasn't gonna give energy to

0:34:46.560 --> 0:34:49.120
<v Speaker 1>it because honestly, I've been overwhelmed enough and I just

0:34:49.920 --> 0:34:52.879
<v Speaker 1>I just don't get it, Like is this a dream? No,

0:34:53.160 --> 0:34:56.520
<v Speaker 1>a nic just like, what is really actually happening in

0:34:56.600 --> 0:35:01.359
<v Speaker 1>like the United States of America? That is this a

0:35:01.360 --> 0:35:04.280
<v Speaker 1>real person? Is this really being said? Is he's telling

0:35:04.360 --> 0:35:08.000
<v Speaker 1>like another nation? Well, my my my buttons? You know,

0:35:08.080 --> 0:35:11.359
<v Speaker 1>my nuclear button is bigger than yours. I just who

0:35:11.400 --> 0:35:14.120
<v Speaker 1>does that? Are you five? Are you? Are you in

0:35:14.160 --> 0:35:17.360
<v Speaker 1>middle school? I just And then to see people steel

0:35:17.400 --> 0:35:22.040
<v Speaker 1>like championing him, I'm like, I don't. I don't know

0:35:22.640 --> 0:35:27.280
<v Speaker 1>if you realize that if nuclear work comes, you're gonna die?

0:35:27.840 --> 0:35:28.520
<v Speaker 1>Are you crazy?

0:35:28.680 --> 0:35:28.759
<v Speaker 2>Like?

0:35:28.840 --> 0:35:31.600
<v Speaker 1>I just oh, child? So that's my break, a break

0:35:31.640 --> 0:35:34.359
<v Speaker 1>from his I just wish somebody would turn his mic off,

0:35:34.719 --> 0:35:36.799
<v Speaker 1>turn his mic off. It turns it turned away.

0:35:36.840 --> 0:35:41.239
<v Speaker 2>I mean, he's got it for at least another three years.

0:35:41.640 --> 0:35:44.160
<v Speaker 2>I mean, I'm bless something. But you know, I will

0:35:44.200 --> 0:35:47.279
<v Speaker 2>say we I posted this on the group there's you know,

0:35:47.360 --> 0:35:49.200
<v Speaker 2>people were, like you said, you didn't want to give

0:35:49.280 --> 0:35:50.759
<v Speaker 2>voice to it, but a lot of people were taking

0:35:50.760 --> 0:35:53.840
<v Speaker 2>an opportunity to post about themselves, like I'm from a

0:35:53.840 --> 0:35:56.600
<v Speaker 2>shithole country and here's I have three degrees, I speak

0:35:56.600 --> 0:35:58.879
<v Speaker 2>four languages, I'm a future doctor. You know, it's been

0:35:58.960 --> 0:36:01.560
<v Speaker 2>it's that was beautiful, see, because you know it's not true,

0:36:01.600 --> 0:36:04.640
<v Speaker 2>Like we know it's anyone who has been exposed to

0:36:04.719 --> 0:36:07.640
<v Speaker 2>anyone from a foreign country who's immigrated to the United

0:36:07.680 --> 0:36:09.319
<v Speaker 2>States and made a life here. You know that these

0:36:09.360 --> 0:36:13.319
<v Speaker 2>are the most ambitious, the most proud Americans there can be,

0:36:13.719 --> 0:36:16.239
<v Speaker 2>the most people who will not squander the privileges that

0:36:16.280 --> 0:36:19.759
<v Speaker 2>they have here. And you know what, you know what,

0:36:19.800 --> 0:36:22.480
<v Speaker 2>why not give them? Why not give them an excuse

0:36:22.560 --> 0:36:26.080
<v Speaker 2>to shout, to show people, to remind people who they

0:36:26.120 --> 0:36:28.600
<v Speaker 2>are and that they're here and what they're doing. And yeah,

0:36:28.600 --> 0:36:32.279
<v Speaker 2>it's it's really sad. I'll tell you that Friday, like

0:36:32.320 --> 0:36:34.880
<v Speaker 2>the news came out earlier last week, and then Friday,

0:36:34.920 --> 0:36:37.520
<v Speaker 2>I had already had tickets to this show on Broadway

0:36:37.600 --> 0:36:40.879
<v Speaker 2>called Once on This Island, and I knew it took

0:36:40.880 --> 0:36:43.720
<v Speaker 2>place in islanded the Caribbean, but I just I didn't

0:36:43.800 --> 0:36:46.400
<v Speaker 2>know it was in Haiti until I got there and

0:36:46.400 --> 0:36:47.960
<v Speaker 2>sat in my seat and read the notes, and then

0:36:47.960 --> 0:36:50.080
<v Speaker 2>the music started, and then I was swept away. And

0:36:50.120 --> 0:36:53.160
<v Speaker 2>it was a beautiful. It was a beautiful play about

0:36:53.440 --> 0:36:56.680
<v Speaker 2>family and love. And yes, I poor people in a

0:36:56.719 --> 0:37:00.680
<v Speaker 2>poor country, but the intersection of poverty and wealth and

0:37:00.760 --> 0:37:04.239
<v Speaker 2>Haiti and it was it felt like it was meant

0:37:04.239 --> 0:37:06.160
<v Speaker 2>to be that I was there on the week when

0:37:06.160 --> 0:37:08.840
<v Speaker 2>he called Haiti and other countries, you know, use that

0:37:08.920 --> 0:37:10.880
<v Speaker 2>word to describe them because it's so clear that they're not.

0:37:12.520 --> 0:37:16.879
<v Speaker 2>And I'm sorry, I'm sorry to everyone that his words hurt.

0:37:16.960 --> 0:37:20.560
<v Speaker 2>But I feel like and and and sadly, he's he's

0:37:20.800 --> 0:37:25.000
<v Speaker 2>he's representative of a lot of like toxic. It's like

0:37:25.040 --> 0:37:28.040
<v Speaker 2>he's the face of the snake that's been underneath the

0:37:28.040 --> 0:37:30.120
<v Speaker 2>belly of America for so long. He's there's just a

0:37:30.120 --> 0:37:31.680
<v Speaker 2>face and a mouse to it. Now we have to

0:37:31.719 --> 0:37:35.600
<v Speaker 2>confront it, you know, yeah, you know.

0:37:35.560 --> 0:37:38.000
<v Speaker 1>It's it's and that's exactly how it feels. It feels

0:37:38.080 --> 0:37:41.240
<v Speaker 1>like because somebody for so long, brown folks have been saying, yeah,

0:37:41.239 --> 0:37:44.479
<v Speaker 1>so racism still existing, and folks have been telling them,

0:37:44.600 --> 0:37:47.840
<v Speaker 1>like you have a black president, be quiet, ain't no racism,

0:37:48.239 --> 0:37:50.480
<v Speaker 1>and we're like, yeah, I kind of live in this

0:37:50.520 --> 0:37:53.799
<v Speaker 1>brown skin. So I've seen it and it's still here.

0:37:54.320 --> 0:37:57.279
<v Speaker 1>And so this is kind of like I feel like

0:37:57.320 --> 0:37:59.680
<v Speaker 1>a lot of people would. Honestly, I'm not super surprised.

0:37:59.680 --> 0:38:02.880
<v Speaker 1>I'm just surprised at how blatant it is, Like the

0:38:03.000 --> 0:38:04.560
<v Speaker 1>well it blade it is from the White.

0:38:04.320 --> 0:38:06.399
<v Speaker 2>House's safe enough to say it.

0:38:06.640 --> 0:38:09.799
<v Speaker 1>Yeah, yeah that and then to say it's a lie.

0:38:09.800 --> 0:38:12.960
<v Speaker 1>I didn't say that. I just you know what, I'm

0:38:12.960 --> 0:38:14.880
<v Speaker 1>just gonna go back to my happy place, which is

0:38:15.080 --> 0:38:19.920
<v Speaker 1>making dinner, doing laundry, and you know, unfortunately going food shopping,

0:38:20.760 --> 0:38:21.920
<v Speaker 1>and then I just but just.

0:38:21.960 --> 0:38:25.520
<v Speaker 2>Your very presence and your success is exactly the answer

0:38:25.560 --> 0:38:29.600
<v Speaker 2>to him that we need. Do you know of your life,

0:38:29.640 --> 0:38:32.680
<v Speaker 2>because that is the ultimate protest and to.

0:38:32.680 --> 0:38:34.759
<v Speaker 1>Do like, I mean, the truth is like one of

0:38:34.800 --> 0:38:38.120
<v Speaker 1>the things that I've been like, I've been kind of

0:38:38.560 --> 0:38:42.319
<v Speaker 1>uh like slow rolling on is I've been wanting to

0:38:42.320 --> 0:38:44.879
<v Speaker 1>start like a foundation, and I was just like, oh,

0:38:44.920 --> 0:38:47.000
<v Speaker 1>there's just so many ins and outs, and but then

0:38:47.040 --> 0:38:48.960
<v Speaker 1>I told myself, you know, now, more than ever, I

0:38:49.040 --> 0:38:53.480
<v Speaker 1>want to start a foundation where myself and you know,

0:38:53.520 --> 0:38:56.600
<v Speaker 1>the Dream Catchers, that we donate money to it every

0:38:56.640 --> 0:38:59.480
<v Speaker 1>single year and they collectively decide what to do with it.

0:38:59.520 --> 0:39:02.640
<v Speaker 1>I would love half of the money to go to

0:39:03.120 --> 0:39:05.880
<v Speaker 1>other nonprofits that are doing amazing work for girls, for

0:39:06.360 --> 0:39:08.920
<v Speaker 1>girls and women that I specifically want to focus on

0:39:09.160 --> 0:39:12.560
<v Speaker 1>women and girls are kids, and so like we would

0:39:12.640 --> 0:39:14.400
<v Speaker 1>vote every year to be like, okay, so who are

0:39:14.400 --> 0:39:16.600
<v Speaker 1>we giving half this money to the Girl Scouts? This

0:39:16.760 --> 0:39:19.080
<v Speaker 1>that okay, that's great, And then the other has to

0:39:19.080 --> 0:39:21.360
<v Speaker 1>be set up like a scholarship program, and maybe we

0:39:21.600 --> 0:39:25.120
<v Speaker 1>would pick one specific goal. So maybe the first year

0:39:25.280 --> 0:39:30.160
<v Speaker 1>the scholarship program is for Dreamcatchers who can't afford daycare

0:39:30.520 --> 0:39:34.400
<v Speaker 1>and they can apply to get help to help supplement

0:39:34.840 --> 0:39:37.120
<v Speaker 1>the cost of daycare. And like having like a team

0:39:37.160 --> 0:39:39.279
<v Speaker 1>in place to help, you know, vet and make sure

0:39:39.400 --> 0:39:41.600
<v Speaker 1>and then pay in the daycare. So that's like my

0:39:42.800 --> 0:39:44.600
<v Speaker 1>one of my goals. And I feel like, you know,

0:39:44.920 --> 0:39:46.279
<v Speaker 1>one of the reasons why I don't like to give

0:39:46.320 --> 0:39:49.360
<v Speaker 1>too much energy to like this, and you know his

0:39:49.520 --> 0:39:52.839
<v Speaker 1>poison is that I so much much rather to put

0:39:52.840 --> 0:39:57.160
<v Speaker 1>my energy toward creating something like that the Live Richer Foundation,

0:39:57.200 --> 0:39:59.839
<v Speaker 1>where it's like, Okay, what actual change can I move

0:39:59.840 --> 0:40:02.360
<v Speaker 1>to needle? How can I move the needle forward for

0:40:02.960 --> 0:40:05.400
<v Speaker 1>us as a community. And so that's like one of

0:40:05.400 --> 0:40:08.160
<v Speaker 1>my and I've I've been speaking it out loud because

0:40:08.239 --> 0:40:12.040
<v Speaker 1>dream Catchers are bossy and I know if I say it,

0:40:12.120 --> 0:40:14.520
<v Speaker 1>they're gonna be on me, which I need because I'm like,

0:40:14.880 --> 0:40:16.480
<v Speaker 1>no more excuses like well, I don't know how to

0:40:16.520 --> 0:40:18.360
<v Speaker 1>start a foundation and I don't know how to. But

0:40:18.760 --> 0:40:20.520
<v Speaker 1>a friend of mine, she's like, well, girl, that's what

0:40:20.560 --> 0:40:22.319
<v Speaker 1>I do. I help foundations get set up. I will

0:40:22.360 --> 0:40:24.239
<v Speaker 1>help you. I'll help you get the board together and

0:40:24.239 --> 0:40:26.040
<v Speaker 1>what you need. And you don't have to do everything

0:40:26.080 --> 0:40:28.920
<v Speaker 1>all in one year. We could just get the found

0:40:29.320 --> 0:40:32.320
<v Speaker 1>the framework set up for this year, and in twenty

0:40:32.400 --> 0:40:34.920
<v Speaker 1>nineteen we can raise funds, and in twenty twenty we

0:40:34.920 --> 0:40:36.920
<v Speaker 1>could give away funds. It doesn't have to be just

0:40:37.040 --> 0:40:39.120
<v Speaker 1>like undertaking that you have in like six months. But

0:40:39.440 --> 0:40:41.200
<v Speaker 1>so I'm just putting it out there because I want

0:40:41.200 --> 0:40:45.880
<v Speaker 1>to do something that is not just about acknowledging what's wrong,

0:40:46.000 --> 0:40:49.359
<v Speaker 1>but do something that's actually going to help make what

0:40:49.400 --> 0:40:51.080
<v Speaker 1>I want to see what's right, and not just what

0:40:51.160 --> 0:40:53.560
<v Speaker 1>I want to see what's right, but collectively what we

0:40:53.680 --> 0:40:56.480
<v Speaker 1>want to see make that right.

0:40:56.600 --> 0:40:59.920
<v Speaker 2>You know, absolutely what better day to talk about this

0:41:00.040 --> 0:41:04.160
<v Speaker 2>to you in the day after MLK the MLK holiday. Yes,

0:41:04.760 --> 0:41:07.439
<v Speaker 2>this is the time, and I agree. I'm gonna my

0:41:07.440 --> 0:41:10.360
<v Speaker 2>my One of my resolutions is to get involved in

0:41:10.400 --> 0:41:15.160
<v Speaker 2>my local politics. My excuse has always been, you know,

0:41:15.200 --> 0:41:16.840
<v Speaker 2>because I've moved so much, I'm like, oh, well, I

0:41:16.880 --> 0:41:18.600
<v Speaker 2>don't really don't feel like I have roots anywhere. But

0:41:18.600 --> 0:41:20.680
<v Speaker 2>I'm kind of done making that excuse. I'm just gonna

0:41:20.680 --> 0:41:24.080
<v Speaker 2>get involved. Jersey City has a great local a c

0:41:24.239 --> 0:41:27.200
<v Speaker 2>l U group. There's little things I can do that

0:41:27.239 --> 0:41:29.000
<v Speaker 2>I feel like. You know, I was so much more

0:41:29.000 --> 0:41:32.000
<v Speaker 2>involved when I was in college, and now when I

0:41:32.040 --> 0:41:35.480
<v Speaker 2>actually have more resources to give to a cause, it

0:41:35.480 --> 0:41:40.040
<v Speaker 2>feels like I've I haven't been. So there's yeah, I.

0:41:39.920 --> 0:41:42.440
<v Speaker 1>Want to hear what they dream dream. I would like

0:41:42.760 --> 0:41:44.799
<v Speaker 1>Brown Ambition listeners have to say. I would love if

0:41:44.800 --> 0:41:48.320
<v Speaker 1>you would tweet us at what do We b A podcast?

0:41:48.360 --> 0:41:52.680
<v Speaker 2>The BA podcast at the BA Podcast on Twitter, yep, yep.

0:41:52.800 --> 0:41:54.759
<v Speaker 1>Tweet us at the BA podcast or right on our

0:41:54.800 --> 0:41:59.600
<v Speaker 1>Facebook wall, Brown Ambition and just let us know, like

0:42:00.080 --> 0:42:03.960
<v Speaker 1>what what what Brown boost will you do to make

0:42:03.960 --> 0:42:06.280
<v Speaker 1>a difference? You know, so we could focus on bringing

0:42:06.360 --> 0:42:07.959
<v Speaker 1>like the good positive energy forward.

0:42:08.000 --> 0:42:10.560
<v Speaker 2>I'd love to know, give us something to boost y'all.

0:42:10.760 --> 0:42:11.719
<v Speaker 2>We're struggling here.

0:42:12.320 --> 0:42:14.239
<v Speaker 1>Yeah, please, you know what we can include you as

0:42:14.280 --> 0:42:15.320
<v Speaker 1>a win that would be awesome.

0:42:15.400 --> 0:42:18.040
<v Speaker 2>Yeah. Every week it's like, let me shovel through this

0:42:18.120 --> 0:42:21.680
<v Speaker 2>crap first, Well.

0:42:21.640 --> 0:42:35.279
<v Speaker 1>Chat all right, questions, I don't know if you I

0:42:35.560 --> 0:42:37.120
<v Speaker 1>have my question. We can take two of them if

0:42:37.120 --> 0:42:38.680
<v Speaker 1>you want. But I can pull out the question that

0:42:38.840 --> 0:42:40.279
<v Speaker 1>the young woman wrote me that I thought was in

0:42:40.320 --> 0:42:41.960
<v Speaker 1>alignment with what we talked about earlier.

0:42:42.120 --> 0:42:43.839
<v Speaker 2>No, let's let's do it. And this is a good

0:42:44.000 --> 0:42:46.239
<v Speaker 2>chance to remind you guys, because the inbox is getting

0:42:46.239 --> 0:42:48.840
<v Speaker 2>a little thin. I know y'all have some questions. Please

0:42:48.840 --> 0:42:51.640
<v Speaker 2>get us up at Brown Ambition podcast dot com. You

0:42:51.640 --> 0:42:53.799
<v Speaker 2>can click to Ask us anything tabs to send us

0:42:53.800 --> 0:42:55.920
<v Speaker 2>a question, or you can hit us up directly at

0:42:55.960 --> 0:42:59.759
<v Speaker 2>Brown Ambition Podcast at gmail dot com. We get a

0:42:59.800 --> 0:43:01.600
<v Speaker 2>lot of notes where people are like we love the show.

0:43:01.640 --> 0:43:03.280
<v Speaker 2>We just want to say we don't have a question.

0:43:03.719 --> 0:43:07.040
<v Speaker 2>That's awesome. But what you can also do is leave

0:43:07.200 --> 0:43:11.600
<v Speaker 2>those reviews online on iTunes. That would be amazing. It's

0:43:11.600 --> 0:43:14.000
<v Speaker 2>so much more impactful when you don't just share with us,

0:43:14.000 --> 0:43:17.680
<v Speaker 2>but you share with everybody. So we love those notes.

0:43:17.680 --> 0:43:19.840
<v Speaker 2>But if you could also copy and paste them into iTunes,

0:43:19.840 --> 0:43:23.600
<v Speaker 2>that would be lovely. Yes, all right, so let's do Yeah,

0:43:23.640 --> 0:43:24.400
<v Speaker 2>let's hear your question.

0:43:24.960 --> 0:43:28.239
<v Speaker 1>All right. So this is the young girl on Instagram,

0:43:28.280 --> 0:43:32.040
<v Speaker 1>and she said, on the topic of because I today

0:43:32.080 --> 0:43:35.239
<v Speaker 1>for the Live Riachure Challenge the Networth edition, we talked

0:43:35.280 --> 0:43:40.160
<v Speaker 1>about and putting money in your your IRA roth IRA

0:43:40.360 --> 0:43:42.959
<v Speaker 1>or four one k. So she said, By the way,

0:43:43.040 --> 0:43:45.480
<v Speaker 1>a topic that comes up for many regarding for one

0:43:45.600 --> 0:43:49.319
<v Speaker 1>K that even I get shaky on is how does

0:43:49.360 --> 0:43:52.000
<v Speaker 1>it make sense to save money into a four one

0:43:52.080 --> 0:43:54.480
<v Speaker 1>K when I have outstanding credit card debt and student

0:43:54.560 --> 0:43:58.239
<v Speaker 1>loan debt? Should I be taking whatever I save and

0:43:58.239 --> 0:44:01.080
<v Speaker 1>putting it toward debt since the interest is higher than

0:44:01.080 --> 0:44:03.120
<v Speaker 1>the rate of return I'm getting in my four one

0:44:03.160 --> 0:44:05.920
<v Speaker 1>K or retirement. I have to face this all the

0:44:06.000 --> 0:44:12.239
<v Speaker 1>time surrounding I don't know. She says, surrounding myself with

0:44:12.520 --> 0:44:17.360
<v Speaker 1>folks that say pay yourself first, that it's important. Okay, Well, anyway,

0:44:17.480 --> 0:44:18.960
<v Speaker 1>that's basically what she's asking. There's a lot of other

0:44:19.000 --> 0:44:21.120
<v Speaker 1>stuff in here. I'm like, what she's talking about, basically,

0:44:21.600 --> 0:44:26.080
<v Speaker 1>should should she put money? Should she continue to put

0:44:26.120 --> 0:44:29.120
<v Speaker 1>money in her retirement account which she has a four

0:44:29.120 --> 0:44:32.120
<v Speaker 1>to one K, or should she just say stop and

0:44:32.160 --> 0:44:35.359
<v Speaker 1>put her money towards paying down the debt? Because it's like, ah,

0:44:35.400 --> 0:44:36.040
<v Speaker 1>what should I do?

0:44:37.560 --> 0:44:39.240
<v Speaker 2>Yeah, I think a lot of people are in that position.

0:44:40.360 --> 0:44:42.400
<v Speaker 2>There's no black and white answer, but I think the

0:44:42.480 --> 0:44:45.600
<v Speaker 2>question itself is really smart, and she's right. If you

0:44:45.640 --> 0:44:48.360
<v Speaker 2>have a twenty two percent interest rate credit card. I

0:44:48.400 --> 0:44:50.160
<v Speaker 2>have a really good girlfriend. I'm trying to help right now.

0:44:50.200 --> 0:44:52.279
<v Speaker 2>I'm not going to call her out, but she has

0:44:52.280 --> 0:44:55.760
<v Speaker 2>three credit cards that have over twenty three percent infrastrates APR,

0:44:56.280 --> 0:44:59.560
<v Speaker 2>and she's been saving ten percent for retirement. And I'm like,

0:45:00.040 --> 0:45:05.000
<v Speaker 2>I salute you for saving for retirement, but I really

0:45:05.000 --> 0:45:07.359
<v Speaker 2>think that your money, you should maybe bring it down

0:45:07.360 --> 0:45:10.080
<v Speaker 2>to five, keep your company match, and put a little

0:45:10.120 --> 0:45:13.160
<v Speaker 2>bit more towards this credit card debt. Because yeah, I

0:45:13.200 --> 0:45:15.239
<v Speaker 2>made twenty two percent of my retirement from this year

0:45:15.280 --> 0:45:18.160
<v Speaker 2>this year, but on average you can only expect, like

0:45:18.200 --> 0:45:22.040
<v Speaker 2>I don't know, seven to eight percent on a conservatively,

0:45:23.160 --> 0:45:26.320
<v Speaker 2>which is not going to beat the twenty plus percent

0:45:26.640 --> 0:45:29.200
<v Speaker 2>that you may be paying on credit cards. So yeah,

0:45:29.560 --> 0:45:31.600
<v Speaker 2>I think it's a try if you can to save

0:45:31.600 --> 0:45:34.759
<v Speaker 2>a little bit for retirement, but attack your debt and

0:45:34.800 --> 0:45:36.520
<v Speaker 2>get it out of the way because it's only going

0:45:36.520 --> 0:45:37.200
<v Speaker 2>to drag you down.

0:45:38.040 --> 0:45:40.560
<v Speaker 1>So when Mandy says attack your debt, though, be mindful

0:45:40.640 --> 0:45:44.080
<v Speaker 1>that she's not talking about typically student loan debt that

0:45:44.120 --> 0:45:47.560
<v Speaker 1>the interest rate is lower, or your mortgage. It's credit

0:45:47.600 --> 0:45:51.359
<v Speaker 1>card debt tends to be that's the most detrimental debt

0:45:51.400 --> 0:45:54.040
<v Speaker 1>that grows really quickly. Because what I don't want to

0:45:54.040 --> 0:45:56.480
<v Speaker 1>see is because I see this, I think Prudential had

0:45:56.480 --> 0:45:59.040
<v Speaker 1>done this study for like it's called the African American Experience,

0:45:59.080 --> 0:46:03.480
<v Speaker 1>where they asked the African American community, what what are

0:46:03.560 --> 0:46:07.600
<v Speaker 1>your financial like like your main financial goals and on

0:46:07.640 --> 0:46:09.880
<v Speaker 1>a whole, our main financial goal was to get rid

0:46:09.920 --> 0:46:12.280
<v Speaker 1>of debt. And then they asked the community at large

0:46:12.320 --> 0:46:14.200
<v Speaker 1>like they did like you know, like I guess a

0:46:14.280 --> 0:46:17.440
<v Speaker 1>larger study and the community at large its meaning like

0:46:17.560 --> 0:46:21.759
<v Speaker 1>non African Americans, their financial general financial goals were to

0:46:21.800 --> 0:46:24.600
<v Speaker 1>grow wealth. And so my concern is that I find

0:46:24.640 --> 0:46:28.560
<v Speaker 1>that a lot that especially within this Brown ambition community,

0:46:28.920 --> 0:46:32.279
<v Speaker 1>that were so debt reduction focused that we forget that

0:46:32.400 --> 0:46:36.960
<v Speaker 1>you also have to be focused on investing. So I

0:46:37.000 --> 0:46:38.440
<v Speaker 1>like the fact that you said that, Like, you're right

0:46:38.480 --> 0:46:42.440
<v Speaker 1>that don't not put money aside for a retirement, but

0:46:43.680 --> 0:46:45.160
<v Speaker 1>being smart about it because you have to, you know,

0:46:45.200 --> 0:46:48.719
<v Speaker 1>you have to set aside and especially if your company matches. Definitely,

0:46:48.920 --> 0:46:50.560
<v Speaker 1>So if your company says if you put up to

0:46:50.640 --> 0:46:53.640
<v Speaker 1>five percent in your four to one K, we will

0:46:53.640 --> 0:46:56.000
<v Speaker 1>match you up to five percent, then definitely match it,

0:46:56.320 --> 0:47:00.480
<v Speaker 1>you know. But but I don't want you shouldn't just

0:47:00.520 --> 0:47:02.840
<v Speaker 1>be debt focused, but then you also shouldn't just be

0:47:03.560 --> 0:47:08.120
<v Speaker 1>investment focused that there's a balance there depending on, uh, like,

0:47:08.200 --> 0:47:11.880
<v Speaker 1>where your debt lies. If if your debt is credit

0:47:11.880 --> 0:47:14.759
<v Speaker 1>card debt, then yes, heavily paid down credit card debt.

0:47:15.000 --> 0:47:17.960
<v Speaker 1>But if your debt is like student loan mortgage, then

0:47:18.000 --> 0:47:22.680
<v Speaker 1>I wouldn't forego, like, you know, maxing out my retirement

0:47:22.680 --> 0:47:27.040
<v Speaker 1>account to to pay down my mortgage faster, because one

0:47:27.080 --> 0:47:29.080
<v Speaker 1>it's going to take forever and two you're likely going

0:47:29.120 --> 0:47:31.239
<v Speaker 1>to get a higher rate of return on your on

0:47:31.280 --> 0:47:35.480
<v Speaker 1>your retirement account then your then your mortgage interest rate

0:47:35.560 --> 0:47:37.760
<v Speaker 1>is going to be Yeah.

0:47:37.920 --> 0:47:41.160
<v Speaker 2>I think a common combination we get when we get

0:47:41.800 --> 0:47:44.479
<v Speaker 2>questions from magnified money readers is student debt and credit

0:47:44.560 --> 0:47:48.879
<v Speaker 2>card debt and retirement. And if it's federal student loan debt,

0:47:48.920 --> 0:47:51.040
<v Speaker 2>maybe and you have high interest credit card debt, maybe

0:47:51.040 --> 0:47:53.080
<v Speaker 2>it means okay, for this year, you enrolled income from

0:47:53.239 --> 0:47:57.000
<v Speaker 2>repayment plan, you get a reduced payment on your student loans,

0:47:57.080 --> 0:47:59.239
<v Speaker 2>and you can throw more money towards your credit card debt.

0:47:59.440 --> 0:48:01.560
<v Speaker 2>And then one you're done with your credit card debt,

0:48:02.719 --> 0:48:05.440
<v Speaker 2>you get out of the income to repayment plan and

0:48:05.440 --> 0:48:08.640
<v Speaker 2>start attacking your student debt a little bit more. It's

0:48:08.719 --> 0:48:10.840
<v Speaker 2>like a yeah, it's like a constant balancing act. And

0:48:10.880 --> 0:48:12.879
<v Speaker 2>while you're doing that, maybe you're only putting it enough

0:48:12.880 --> 0:48:14.800
<v Speaker 2>to capture your company match to your four one K.

0:48:16.600 --> 0:48:19.680
<v Speaker 2>And it's a process, you know. I think just the sheer,

0:48:20.320 --> 0:48:22.359
<v Speaker 2>I think it's a good question to ask, but it's

0:48:22.400 --> 0:48:26.040
<v Speaker 2>also it can like paralyze you too if you really try,

0:48:26.080 --> 0:48:27.960
<v Speaker 2>and if you really try to come up with the

0:48:28.000 --> 0:48:33.800
<v Speaker 2>perfect the perfect balance of saving versus paying down debts

0:48:34.480 --> 0:48:37.440
<v Speaker 2>when you have so many things kind of cooking. I

0:48:37.520 --> 0:48:39.880
<v Speaker 2>sort of think it's easier if you order things in

0:48:39.960 --> 0:48:44.359
<v Speaker 2>priority based on interest rate and also like how they

0:48:44.400 --> 0:48:47.080
<v Speaker 2>could harm you if you were to let them linger forever.

0:48:47.400 --> 0:48:50.000
<v Speaker 2>Obviously with your mortgage, you could lose your house. You

0:48:50.040 --> 0:48:52.360
<v Speaker 2>don't want to do that. Seem to pay your mortgage

0:48:52.400 --> 0:48:55.360
<v Speaker 2>bill on time, but paying more than your mortgage payment

0:48:55.640 --> 0:48:59.120
<v Speaker 2>every month, Yes, like Tiffany said, yes, you'll pay it

0:48:59.160 --> 0:49:02.120
<v Speaker 2>off a little bit fast, but it's not gonna it's

0:49:02.120 --> 0:49:03.359
<v Speaker 2>not going to be better for you in the long

0:49:03.440 --> 0:49:05.319
<v Speaker 2>run in terms of the extra costs. Then it would

0:49:05.320 --> 0:49:07.360
<v Speaker 2>be to put that money towards your credit card debt

0:49:08.480 --> 0:49:10.239
<v Speaker 2>or even your auto loan debt for that matter.

0:49:10.840 --> 0:49:12.799
<v Speaker 1>Yeah, because I don't. Loans tend to be higher interest

0:49:12.840 --> 0:49:15.520
<v Speaker 1>rates than like your mortgage or your student loans and

0:49:15.560 --> 0:49:17.960
<v Speaker 1>your if you have federal student loans, because private student

0:49:18.000 --> 0:49:20.440
<v Speaker 1>loans can, those interest rates can be high.

0:49:20.960 --> 0:49:23.760
<v Speaker 2>Some people don't know either, even what their aprs are.

0:49:24.280 --> 0:49:26.680
<v Speaker 2>So that's like a really good first step. It's just

0:49:26.680 --> 0:49:28.640
<v Speaker 2>to sit down. I had my friend do this. I

0:49:28.680 --> 0:49:30.360
<v Speaker 2>gave her like a spreadsheet just you know, line up

0:49:30.400 --> 0:49:34.000
<v Speaker 2>your debts, find out the APR and really you can

0:49:34.040 --> 0:49:38.440
<v Speaker 2>prioritize them that way, very simple. Yeah, anything over the

0:49:38.480 --> 0:49:40.600
<v Speaker 2>seven percent you might get on average in your four

0:49:40.719 --> 0:49:43.960
<v Speaker 2>one K that should be a priority, a bigger priority anyway.

0:49:45.600 --> 0:49:51.920
<v Speaker 1>Yeah, So hopefully we answered your question. The girl, so

0:49:52.200 --> 0:49:53.880
<v Speaker 1>I said, you're on IG I'm going to force you

0:49:53.920 --> 0:49:55.840
<v Speaker 1>to listen to Brown Ambition. I'm gonna say, hey, girl,

0:49:56.800 --> 0:49:59.239
<v Speaker 1>here's the link to our website. I need you to

0:49:59.280 --> 0:50:02.040
<v Speaker 1>listen because I answered your question versus like you know,

0:50:02.239 --> 0:50:08.480
<v Speaker 1>typing it all up in Instagram DMS. So cool. That's

0:50:08.520 --> 0:50:11.399
<v Speaker 1>how we get listeners, so strong on them. So yeah,

0:50:11.440 --> 0:50:12.920
<v Speaker 1>you can tweet, you could tweet me and you can.

0:50:12.960 --> 0:50:16.239
<v Speaker 1>I g be your questions, but I'm not gonna answer back.

0:50:16.280 --> 0:50:20.000
<v Speaker 1>I'm gonna say we address that on brann Abission episode three. No,

0:50:20.080 --> 0:50:20.360
<v Speaker 1>I'm just.

0:50:20.400 --> 0:50:22.920
<v Speaker 2>Joking, Okay, sometimes I answer back to their emails.

0:50:23.120 --> 0:50:26.759
<v Speaker 1>I do. It's okay now, I'm just teasing, y'all. We

0:50:26.840 --> 0:50:28.960
<v Speaker 1>all we enjoyed. The best place to really ask so

0:50:29.640 --> 0:50:32.080
<v Speaker 1>is to go on to our website brandabis podcast dot

0:50:32.080 --> 0:50:37.680
<v Speaker 1>com and and then just click ask ask us anything.

0:50:37.719 --> 0:50:40.440
<v Speaker 1>Is that what it says? Yep mm hmm. That's the

0:50:40.440 --> 0:50:44.280
<v Speaker 1>best place and ask away. We love answering questions. Honestly,

0:50:44.280 --> 0:50:46.000
<v Speaker 1>to me, it's one of my favorite parts of the show,

0:50:46.040 --> 0:50:48.360
<v Speaker 1>and we really like to see your growth. And you know,

0:50:48.400 --> 0:50:51.160
<v Speaker 1>it would be great if we answer the question and

0:50:51.200 --> 0:50:53.160
<v Speaker 1>you want to give us an update, that would be amazing.

0:50:53.800 --> 0:51:03.160
<v Speaker 2>Yeah, definitely, it's time for win.

0:51:06.760 --> 0:51:09.759
<v Speaker 1>Day when I'm not gonna lie. I don't have a

0:51:09.760 --> 0:51:11.040
<v Speaker 1>win at the top of my head right now. You

0:51:11.080 --> 0:51:11.520
<v Speaker 1>go first.

0:51:12.480 --> 0:51:14.680
<v Speaker 2>I will gladly go first, apart from the fact that

0:51:14.680 --> 0:51:17.080
<v Speaker 2>I'm drinking a nice ice cold beverage out of my

0:51:17.160 --> 0:51:20.800
<v Speaker 2>Swell bottle, which I believe was Tiffany's win a couple

0:51:20.840 --> 0:51:21.279
<v Speaker 2>months ago.

0:51:21.719 --> 0:51:22.680
<v Speaker 1>Yeah, I love this thing.

0:51:24.600 --> 0:51:26.680
<v Speaker 2>It's okay, I like it. It feels like I'm drinking

0:51:26.680 --> 0:51:29.319
<v Speaker 2>out of a torpedo. I accidentally got the super big

0:51:29.360 --> 0:51:32.839
<v Speaker 2>one that it's really big. I mean, it's great because

0:51:32.880 --> 0:51:34.560
<v Speaker 2>you get twenty four ounces, but I also feel like

0:51:34.880 --> 0:51:37.000
<v Speaker 2>when I carry it around and talk to people, I'm like,

0:51:37.000 --> 0:51:38.560
<v Speaker 2>it's just part of me. I need to take a

0:51:38.640 --> 0:51:39.840
<v Speaker 2>sip out of my torpedo.

0:51:41.239 --> 0:51:41.840
<v Speaker 1>You're gonna.

0:51:43.200 --> 0:51:45.719
<v Speaker 2>Yeah, it is so big you almost like you can

0:51:45.760 --> 0:51:51.000
<v Speaker 2>like step back. I'm taking a swig. Okay, My wind

0:51:51.160 --> 0:51:53.680
<v Speaker 2>was gonna be It's gonna be the I know we

0:51:53.719 --> 0:51:56.840
<v Speaker 2>talked briefly about the the H and M T shirt

0:51:56.920 --> 0:52:00.400
<v Speaker 2>gate from last week, but I saw today this, so okay,

0:52:00.560 --> 0:52:02.160
<v Speaker 2>if you need to be updated. There was an H

0:52:02.200 --> 0:52:04.399
<v Speaker 2>and M T shirt a picture of a I think

0:52:04.400 --> 0:52:07.920
<v Speaker 2>it was a was he Swiss or Swedish as a

0:52:08.080 --> 0:52:14.040
<v Speaker 2>black boy modeling a sweatshirt that has the cutest monkey

0:52:14.040 --> 0:52:16.680
<v Speaker 2>in the jungle written on it, and somehow H and

0:52:16.760 --> 0:52:18.759
<v Speaker 2>M thought that was cool and then publish it. It

0:52:18.840 --> 0:52:22.800
<v Speaker 2>was not cool. There's all this, but all this obviously

0:52:22.840 --> 0:52:24.719
<v Speaker 2>the media has been reporting on it. But then I saw,

0:52:24.800 --> 0:52:28.680
<v Speaker 2>like in South Africa, people have actually protested and H

0:52:28.719 --> 0:52:31.040
<v Speaker 2>and M is shutting down some of its stores. And

0:52:31.120 --> 0:52:33.319
<v Speaker 2>this is my win for the movement. This is my

0:52:33.360 --> 0:52:36.319
<v Speaker 2>win for the resistance, my win for people standing up

0:52:36.719 --> 0:52:40.320
<v Speaker 2>and not and standing up and then and not being

0:52:40.840 --> 0:52:43.520
<v Speaker 2>not getting fatigued because I've I've read some comments on

0:52:43.560 --> 0:52:46.640
<v Speaker 2>some posts about the H and M shirt, like people saying, what's.

0:52:46.480 --> 0:52:47.000
<v Speaker 1>The big deal?

0:52:47.040 --> 0:52:49.160
<v Speaker 2>Everyone's always making such a big deal about this. It

0:52:49.160 --> 0:52:52.120
<v Speaker 2>happens all the time. Can't we just get over it?

0:52:52.840 --> 0:52:55.719
<v Speaker 2>And the answer is no, you can't get this, can't

0:52:55.760 --> 0:52:58.520
<v Speaker 2>be normal. You know, and it's nice to see people

0:52:58.560 --> 0:53:01.799
<v Speaker 2>who are like standing up for and not letting it

0:53:01.920 --> 0:53:03.920
<v Speaker 2>be normal. So that is my win.

0:53:05.600 --> 0:53:08.239
<v Speaker 1>Yes, so my win, you know what. I feel like

0:53:08.840 --> 0:53:10.520
<v Speaker 1>I'm gonna start doing wins when I don't have like

0:53:10.600 --> 0:53:13.400
<v Speaker 1>big general ones. I'd love to like highlight some dope

0:53:13.520 --> 0:53:17.480
<v Speaker 1>brown ambition esque women that we that we know, you

0:53:17.520 --> 0:53:19.400
<v Speaker 1>know that you guys should know. So this one is

0:53:19.440 --> 0:53:22.640
<v Speaker 1>going to go to Patrise Colors. If you don't know Patrice,

0:53:23.080 --> 0:53:26.879
<v Speaker 1>she is one third of the founders of the Black

0:53:26.920 --> 0:53:32.200
<v Speaker 1>Lives Matter movement. So Patrise actually has a book out

0:53:32.440 --> 0:53:35.760
<v Speaker 1>called When They Call You a Terrorist. It's a memoir

0:53:35.800 --> 0:53:38.400
<v Speaker 1>that she wrote, and it's already doing really well, like

0:53:38.440 --> 0:53:40.719
<v Speaker 1>in pre orders or whatever. I think it actually is.

0:53:41.560 --> 0:53:43.360
<v Speaker 1>By today's the first day that it's on sale. You

0:53:43.400 --> 0:53:46.719
<v Speaker 1>can find it all over Amazon or whatever. But I

0:53:46.800 --> 0:53:49.920
<v Speaker 1>just want to say congratulations Patrese. It's it's kicking. But

0:53:50.080 --> 0:53:51.920
<v Speaker 1>last time I checked, it was like number one on

0:53:52.360 --> 0:53:56.239
<v Speaker 1>some lists on Amazon, which of course that's amazing. And

0:53:56.520 --> 0:53:59.399
<v Speaker 1>you know the thing is, you know, you hear about

0:53:59.400 --> 0:54:01.960
<v Speaker 1>Black Lives Matter matter, and you hear about theirs leaders

0:54:01.960 --> 0:54:04.120
<v Speaker 1>in the movement, but you don't realize just how much

0:54:04.160 --> 0:54:07.000
<v Speaker 1>of their life they give up for the movement. Like

0:54:07.000 --> 0:54:11.040
<v Speaker 1>Patrice has been an activist for a long time, I

0:54:11.080 --> 0:54:14.359
<v Speaker 1>mean high school, she organized things. She's just someone who

0:54:14.400 --> 0:54:17.520
<v Speaker 1>cares deeply for the community and there's a sacrifice that

0:54:17.560 --> 0:54:21.080
<v Speaker 1>comes along with it. I was honored to be able

0:54:21.120 --> 0:54:24.520
<v Speaker 1>to go to Sydney where she on behalf of the

0:54:24.560 --> 0:54:30.080
<v Speaker 1>Black Lives Matter Network received a Sydney the Sydney Peace Prize,

0:54:30.080 --> 0:54:33.880
<v Speaker 1>which is super prestigious, and so she receives it on

0:54:33.880 --> 0:54:36.759
<v Speaker 1>behind of on behalf of Black Lives Matter, and just

0:54:36.800 --> 0:54:39.440
<v Speaker 1>to see all that it takes and like the death threats,

0:54:39.480 --> 0:54:43.840
<v Speaker 1>honestly and the I mean her life is not always

0:54:44.280 --> 0:54:46.560
<v Speaker 1>you know, sometimes her life is put into jeopardy and

0:54:47.160 --> 0:54:49.880
<v Speaker 1>time away from her family. And patricea' is a mom

0:54:50.080 --> 0:54:54.160
<v Speaker 1>and all that she does because she truly believes that

0:54:54.239 --> 0:54:56.560
<v Speaker 1>black lives matter and she puts her life on the

0:54:56.600 --> 0:54:58.799
<v Speaker 1>line to make sure that the world knows that. And

0:54:58.840 --> 0:55:01.280
<v Speaker 1>so I just want to s a win for you, Patrice.

0:55:01.280 --> 0:55:04.600
<v Speaker 1>Congratulations on your dope new memoir. When they call you

0:55:04.719 --> 0:55:07.960
<v Speaker 1>a terrorist, she is one of the funniest, dopest, just

0:55:08.040 --> 0:55:12.280
<v Speaker 1>warmest people that you can ever meet. And I'm fortunate

0:55:12.320 --> 0:55:14.799
<v Speaker 1>in that I know her, but I also know op Open.

0:55:14.880 --> 0:55:16.760
<v Speaker 1>I always get your last name wrong on OPO's Nigerian

0:55:16.960 --> 0:55:19.400
<v Speaker 1>or is she Nigerian? Yes? Opal was also a co

0:55:19.480 --> 0:55:22.239
<v Speaker 1>founder of Black Lives Matter. But I just wanted to

0:55:22.239 --> 0:55:26.520
<v Speaker 1>give Patrice some just a win for your new book

0:55:26.560 --> 0:55:29.400
<v Speaker 1>and for continuing to do the work. You know that

0:55:29.920 --> 0:55:34.000
<v Speaker 1>we haven't. You know, always done the work, and now

0:55:34.200 --> 0:55:37.000
<v Speaker 1>you know this. Hopefully this book will take your work

0:55:37.000 --> 0:55:37.760
<v Speaker 1>to the next level.

0:55:38.320 --> 0:55:40.279
<v Speaker 2>I love it when they call you a terrorist, I'm

0:55:40.280 --> 0:55:43.879
<v Speaker 2>gonna check it out. I just finally finished Jennifer Lewis's

0:55:43.880 --> 0:55:49.560
<v Speaker 2>memoir Amazing, Amazing, best audiobook ever. Go yeah, she's so

0:55:49.800 --> 0:55:52.319
<v Speaker 2>freaking good. It's amazing. It's like going to a one

0:55:52.360 --> 0:55:56.560
<v Speaker 2>woman show in your ears. Okay, Okay, she's saying, she

0:55:56.800 --> 0:55:58.960
<v Speaker 2>just she has the most fascinating life. I love it.

0:55:59.000 --> 0:56:03.280
<v Speaker 2>I'm on a memoir kick. When they call you a terrorist,

0:56:03.360 --> 0:56:07.080
<v Speaker 2>I'm looking at it. Remember when we were gonna do recommendations.

0:56:06.480 --> 0:56:09.560
<v Speaker 1>Yeah, oh yeah, we're like the old lady. We're like, oh.

0:56:09.480 --> 0:56:12.000
<v Speaker 2>Yeah, I'm only bringing it up because I actually have one.

0:56:12.040 --> 0:56:15.480
<v Speaker 2>I'll forget about it when I don't have one. Okay, No,

0:56:15.680 --> 0:56:19.920
<v Speaker 2>the podcast recommendation so I listened to I love story podcasts,

0:56:19.960 --> 0:56:23.440
<v Speaker 2>like you know, telling a story, and I recently discovered

0:56:23.800 --> 0:56:27.239
<v Speaker 2>this Georgia based podcast. So there's two of them. It's

0:56:27.239 --> 0:56:31.319
<v Speaker 2>true crime, and this documentary filmmaker from Georgia decided he

0:56:31.400 --> 0:56:33.080
<v Speaker 2>was going to go back look at some cold cases

0:56:33.080 --> 0:56:36.279
<v Speaker 2>and try and solve these old cases in Georgia. One

0:56:36.320 --> 0:56:39.080
<v Speaker 2>of them, the first one, which came out last year,

0:56:39.160 --> 0:56:41.920
<v Speaker 2>actually resulted in two arrests in this cold case from

0:56:42.000 --> 0:56:44.799
<v Speaker 2>ten years ago. But the newest one, which actually has

0:56:44.800 --> 0:56:51.759
<v Speaker 2>the racial elements, it's covering the murders of several like

0:56:51.880 --> 0:56:54.799
<v Speaker 2>dozens over thirty black boys in Atlanta during the late

0:56:54.840 --> 0:56:58.600
<v Speaker 2>seventies early eighties, and this was like a serial murder

0:56:58.640 --> 0:57:00.920
<v Speaker 2>case that had never been solved. He just launched a

0:57:00.960 --> 0:57:03.400
<v Speaker 2>new podcast, I think last week, and it's called The

0:57:03.440 --> 0:57:07.480
<v Speaker 2>Atlanta Monster, and I highly recommend it because I'm like

0:57:07.600 --> 0:57:10.520
<v Speaker 2>praying that he has the same kind of success that

0:57:10.560 --> 0:57:13.040
<v Speaker 2>he had with the first season's podcast, because he his

0:57:13.160 --> 0:57:16.440
<v Speaker 2>show basically like the attention that he brings to it,

0:57:16.200 --> 0:57:19.280
<v Speaker 2>it digs up all these new revelations and stuff. So

0:57:19.840 --> 0:57:22.280
<v Speaker 2>I'm really excited because if from Atlanta and you were young,

0:57:22.600 --> 0:57:25.440
<v Speaker 2>like in the eighties. You know about this case because

0:57:25.440 --> 0:57:27.560
<v Speaker 2>it like crippled the city. My dad remembers that it

0:57:27.600 --> 0:57:30.720
<v Speaker 2>crippled the city for so long because yeah, literally snatching

0:57:30.760 --> 0:57:33.760
<v Speaker 2>boys off the street, black boys in particular, at a

0:57:33.800 --> 0:57:36.800
<v Speaker 2>time when Atlanta was too busy to hate quote unquote,

0:57:38.080 --> 0:57:39.400
<v Speaker 2>so really really interesting.

0:57:40.760 --> 0:57:46.080
<v Speaker 1>Wow, I love this little podcast that could choo choo.

0:57:46.520 --> 0:57:49.040
<v Speaker 1>You know, we should start putting out a apb out

0:57:49.080 --> 0:57:51.439
<v Speaker 1>for you. Y'all want to fund a podcast? Yep, y'all

0:57:51.480 --> 0:57:53.720
<v Speaker 1>want to be a sponsor, palla.

0:57:55.880 --> 0:57:56.320
<v Speaker 3>Apg.

0:57:58.120 --> 0:58:00.680
<v Speaker 1>We should always put out like a a big at

0:58:00.680 --> 0:58:03.760
<v Speaker 1>the end, just saying so boxers are always welcome as

0:58:03.760 --> 0:58:06.840
<v Speaker 1>long as you're in alignment, holla, because you know, we

0:58:06.880 --> 0:58:09.600
<v Speaker 1>want to keep the podcast going and rolling and we

0:58:09.720 --> 0:58:11.480
<v Speaker 1>just love being in service to you guys. So you know,

0:58:11.520 --> 0:58:12.840
<v Speaker 1>if you know a friend of a friend of a

0:58:12.880 --> 0:58:15.360
<v Speaker 1>friend with a dope company that would be in alignment,

0:58:16.000 --> 0:58:19.960
<v Speaker 1>you know, send us a message at go to brownebish

0:58:20.000 --> 0:58:22.760
<v Speaker 1>and podcast dot com and click ask us anything and

0:58:22.840 --> 0:58:25.400
<v Speaker 1>go out that form and let us know love it.

0:58:25.480 --> 0:58:27.920
<v Speaker 2>Yeah, I always open to sponsors, you guys. Just you

0:58:27.960 --> 0:58:31.720
<v Speaker 2>know on brand, Yes, not your uncle's liquor store.

0:58:31.920 --> 0:58:37.560
<v Speaker 1>Yeah, I was on brand. You listened to long enough

0:58:37.560 --> 0:58:39.800
<v Speaker 1>to know that, like you know, we're Although I love

0:58:39.880 --> 0:58:42.360
<v Speaker 1>belly rings, that might not be a good fit for us.

0:58:43.520 --> 0:58:45.240
<v Speaker 2>The nineties are back, but not that back