Speaker 1: Hey, hey, hey, oh child. So it's about the snow
Speaker 1: and I'm supposed to fly out tomorrow to LA and
Speaker 1: I'm praying that my flight is my canceled. How are you?
Speaker 2: I thought I escaped that crap. I'm down south. I
Speaker 2: came to Charlotte for work and they're all losing their
Speaker 2: minds because they're going to get like a quarter inch
Speaker 2: of snow.
Speaker 1: Oh that's so cute. Oh sidebar. Welcome to brown Abish
Speaker 1: and listeners, because as I wonder, I mean, I know
Speaker 1: you clicked the brown Ambition button, but I always think
Speaker 1: I feel like we should be like, Hi, my name's
Speaker 1: Tiffany and this is Mandy.
Speaker 2: We can do that. Hi, my name's Mendy.
Speaker 1: Choke myself.
Speaker 2: I changed my last name on Facebook. You did, and
Speaker 2: not a damn person noticed.
Speaker 1: Can I emit something terrible? You know, we still have
Speaker 1: to go pick up our license. I was like, one
Speaker 1: of us have to go get it?
Speaker 2: Wait, pick it up?
Speaker 1: Yeah, yeah, I know, we're like the worst. And meanwhile,
Speaker 1: it's not like we got married in Zimbabwe. We got
Speaker 1: married in the city where we live, and city Hall
Speaker 1: is just a hop skipping to jump away and I
Speaker 1: always forget Yeah, I.
Speaker 2: Mean, you know those little like, uh technicalities, those little formalities.
Speaker 2: I doesn't matter when you're yelling at someone about their
Speaker 2: socks being on the floor, that's real marriage. Don't tell
Speaker 2: me we're not married exactly.
Speaker 1: I've been such a bad wife lately, but I've definitely
Speaker 1: turned it around. Me Will also only been two days
Speaker 1: to turn around. But he was like, so, like, are
Speaker 1: you never going to help out around the house anymore?
Speaker 1: Because it's just been so crazy, And so I finally
Speaker 1: was like, I gave myself three specific chores. So we
Speaker 1: agreed upon it. As long as I do these three chores,
Speaker 1: he's gonna lay off my back. And my choices are dinner,
Speaker 1: because I actually enjoy cooking dinner. It's just that if
Speaker 1: I don't pre plan, I'm the one at five o'clock,
Speaker 1: like I should have took out the chicken, like what
Speaker 1: are we gonna eat dinner? Grocery shopping, which when I
Speaker 1: say I hate grocery shopping, When I say I hate
Speaker 1: grocery shopping, I hate grocery shopping. I just went and
Speaker 1: I thought I was gonna cry. I was like, this
Speaker 1: is the worst experience of my life. But I'm gonna
Speaker 1: learn how to use Instacart because I'm not going back
Speaker 1: out there. And then the third choy is laundry, which
Speaker 1: I have found a great laundry surface. Even though we
Speaker 1: have a washer dryer, I don't have time, so I
Speaker 1: drop it off and I pick it up, and I
Speaker 1: take the money from our household, like we have a
Speaker 1: household built Bill's account, and that's why same place I
Speaker 1: take the grocery shopping money. So as long as I
Speaker 1: do those three things, I don't have to worry about dishes.
Speaker 1: He's like a mopper. I've never really been like like
Speaker 1: I'll sweep and like, you know, i'll spot mop. But
Speaker 1: I've never been like a mopper. And I'm like a whatever,
Speaker 1: you can do that. And then like he does like
Speaker 1: most of the cleaning. So we've reached the we've reached
Speaker 1: a happy, happy space because it was not there. I was.
Speaker 1: I really wasn't pulling my my weight at the house.
Speaker 2: Honestly, it's living together is I mean, it's it's like
Speaker 2: any other roommate, like you really can't take too much
Speaker 2: advantage of your partner. I mean, I'm much more relaxed
Speaker 2: about it easier because you can like talk about you know,
Speaker 2: you're not shy about You're not there's no politeness. It's like, really,
Speaker 2: your socks are here again, Why why are they laid
Speaker 2: out so neatly as if you're just going to pick
Speaker 2: up those dirty socks your sweaty feet have been in
Speaker 2: all day and put them back.
Speaker 1: On im from the hamper. I literally am the worst.
Speaker 1: Like I sometimes take a step back and I'm like,
Speaker 1: would you would you stand for this? Tiffany she was?
Speaker 1: I would not, And I'm always like I just look
Speaker 1: at him, like I apologize, sir, I will do better
Speaker 1: because he's like, you know, between you and Supergirl, it's like,
Speaker 1: you know, I'm the adult. I got two big old
Speaker 1: babies in the house.
Speaker 2: Hey, girls are messy.
Speaker 1: We are me and Supergirl. So let me just look
Speaker 1: at each other. And I'm like, yeah, we're terrible. And
Speaker 1: I'm like me, why she's eleven, so she's allowed.
Speaker 3: But that's the age.
Speaker 2: This is like free labor. This is what you're supposed
Speaker 2: to do with your like free adolescence. Just like teach
Speaker 2: them the beauty of hard labor. You know what, it's
Speaker 2: a lie though you don't really grow out of like this.
Speaker 2: I'm the same person I am when it comes to
Speaker 2: cleaning that I was when I was like twelve, Like
Speaker 2: I still don't make the bed yep, I'm still terrible
Speaker 2: about folding my laundry. I mean that's the big fight. Now.
Speaker 2: Now we have a beautiful washer dryer, which is like
Speaker 2: a big deal for those of you who live in
Speaker 2: other places besides New York to have your own washer dryer.
Speaker 2: I just treat it like my closet, like an extension
Speaker 2: of my closet the dryer, you know, like, oh, let's
Speaker 2: just I'll go find some socks or in the dryer.
Speaker 2: Why bother folding them. I'm just gonna use them this week.
Speaker 2: I know what's in there. It's my workout clothes. So
Speaker 2: I'll just get a pair of workout clothes a day.
Speaker 1: Doesn't work.
Speaker 2: But uh yeah. It's also like, I mean people think
Speaker 2: that money is what you argue about. It's like those
Speaker 2: simple things. It's like division of labor and labor is
Speaker 2: time is money.
Speaker 1: It is the vision of labor. And I'm the worst
Speaker 1: because I'm like, do you know, like I could totally
Speaker 1: write a proposal in the hour that you're asking me to.
Speaker 1: Like he's looking at me like he finally had to say,
Speaker 1: you know, I don't work for you, right, I'm not.
Speaker 1: I'm not part of the unicorn squad or whatever you
Speaker 1: call your your team. I don't know. That's not how
Speaker 1: this works. And I'm like, Okay, you're.
Speaker 2: The boss at work, but we're co managers are at home.
Speaker 1: He exactly. So I mean, but I'm learning, and I
Speaker 1: feel much better because today dinner was done. We had
Speaker 1: vegan tacos, which you know, that's what was holding up
Speaker 1: dinner too, because I wasn't really I was. The whole
Speaker 1: vegan thing kind of threw off my like, well, how
Speaker 1: do I make dinner now? You know?
Speaker 2: But stuff?
Speaker 1: Yeah, and so we had vegan tacos which were delicious
Speaker 1: and yeah. So now I'm feeling back at a groove.
Speaker 1: Like I said, I want food chopping, which I'm not.
Speaker 1: See this is the thing. I don't mind running into
Speaker 1: like Whole Food to grab a few things, but full blown,
Speaker 1: like big mama food chopping. I hate that. So I'm
Speaker 1: gonna figure out a plan for that. You do, I.
Speaker 2: Do, It's not for me. I feel like maybe I
Speaker 2: spend more money when I definitely spend more money when
Speaker 2: I give myself more time, Like they've shown you know
Speaker 2: the idea that you know, they say, bring a list
Speaker 2: and do all your shopping and meal preps for the week.
Speaker 2: But I think people have found that you actually spend
Speaker 2: money and you're more likely to like waste food if
Speaker 2: you do those big shopping runs. Next it's better to
Speaker 2: shop as you need it. But like reality is, a
Speaker 2: lot of people don't have time to go every day
Speaker 2: when they need something, or they don't live like in
Speaker 2: New York where you have a key food on your
Speaker 2: way to the train, or like you can just pop
Speaker 2: into the corner store and grab something. But I know
Speaker 2: I love going. Like when I shop, I don't even
Speaker 2: bring husby. I'm like, you're gonna stay at home. I
Speaker 2: need my two hours. And I like to go up
Speaker 2: and down every single aisle and read every package and
Speaker 2: every price tag, read the unit price, compare things, just
Speaker 2: see what's new. I like to see if there's a
Speaker 2: new type of produce this week. I tried a pumelo.
Speaker 2: I never tried that before.
Speaker 1: I did see that produce out, but I was like,
Speaker 1: I delicious. It's the opposite. I kept thinking to myself,
Speaker 1: is how inefficient you go into the store put things
Speaker 1: in the cart, just to take them out of the cart,
Speaker 1: to put them on the conveyor belt, to put them
Speaker 1: back in the cart, to take them out of the
Speaker 1: cart and put them in the car, to take them
Speaker 1: out of the car and put them in the kitchen,
Speaker 1: and to take them out of the kitchen and put
Speaker 1: them in the cabinet. There's so much in out it.
Speaker 1: I said, oh no, no, no, no. Like honestly, I didn't
Speaker 1: even realize my face like why my dad would say,
Speaker 1: why do you look so morose and melancholy? I didn't
Speaker 1: realize my face looked miserable. When I would come back
Speaker 1: home and I always call Superman like okay, I'm like
Speaker 1: two minutes away. That means come out and help me.
Speaker 1: So he was helping me in with the grocery and
Speaker 1: he's like, what's wrong with you? I'm like what he said, Yo,
Speaker 1: your face looks like yo, somebody killed the dog and
Speaker 1: we don't have a dog. And I'm like, it's because
Speaker 1: grocery shopping. I hate grocery shopping, so I'm gonna try instacart.
Speaker 3: But also like.
Speaker 1: I don't know, no, I think instacart is like when
Speaker 1: someone goes grocery shopping for you it's like Uber for
Speaker 1: grocery shopping from what I understand. But then also there
Speaker 1: are different grocery stores that have like you can order
Speaker 1: online and they'll like bring it to you. I'm I
Speaker 1: don't the cost does not matter. When I say the
Speaker 1: cost doesn't matter, I shall pay. What do you what's
Speaker 1: the search arge? It's yours, happily, So I will dance
Speaker 1: for that extra fifty or hundred. I don't care what
Speaker 1: it is. I'm paying it.
Speaker 2: Oh, I bet I bet someone like me. I bet
Speaker 2: I would save money that way if you take me
Speaker 2: out of the equation me grabbing. Oh, I'm gonna try
Speaker 2: this this week, or you know, buying. I bought three mustards,
Speaker 2: like what I looked at my cabinet. I have three
Speaker 2: mustards and one in the fridge. What is happening? I'm
Speaker 2: turning into like an old lady. But no, I bet
Speaker 2: I would save a lot of money using one of those.
Speaker 1: So I'm gonna I'm gonna see. I'm gonna let you
Speaker 1: need to.
Speaker 2: Let our steam or you just need some space, No,
Speaker 2: that's nap time. I need a big house like the
Speaker 2: only I have. When I escape, I go to the
Speaker 2: grocery store.
Speaker 1: Bad so I went to the doctor today. My surgery
Speaker 1: is next week. I'm nervous. Oh you do like that?
Speaker 1: There's a I guess they call it pre op. So
Speaker 1: that's like, you know, the week before they take your
Speaker 1: blood blood pressure, and basically it's you sit down with
Speaker 1: the doctor and they just talk about this is how
Speaker 1: the surgery is going to go and so yeah, so
Speaker 1: basically it's like I said, it's so for those of
Speaker 1: you who don't know, I'm getting fiboid surgery to get
Speaker 1: rid of especially one particularly large fiboard, because I want
Speaker 1: to be able to have kids, and with this fibroid,
Speaker 1: I'm not going to be able to, at least not successfully.
Speaker 1: So fibroids are like this fleshy like tumor, like like
Speaker 1: I guess ball kind of that can grow in women's
Speaker 1: inside or out on the outside perimeter of their uterus,
Speaker 1: and depending on how big or how small, it can
Speaker 1: prevent women from having kids. A lot of women will
Speaker 1: get fiboids after having kids, so they'll just kind of
Speaker 1: leave them, but they can lead to heavy periods and
Speaker 1: like pain, and mine weren't really causing any of those.
Speaker 1: It was just why are we not getting pregnant? And
Speaker 1: then it was like, oh, you've got this giant fiboid
Speaker 1: the sides of a four month old baby inside you.
Speaker 1: I was like, oh, well that would explain it, so yes,
Speaker 1: and so like, So typically a woman's uterus is like
Speaker 1: the size of a pair, so not very big. My
Speaker 1: fibroid is the size of a grapefruit. So so because
Speaker 1: your your uterus grows as the baby grows, so so
Speaker 1: it's you know, my uterus has grown to accommodate this
Speaker 1: grapefruit size fleshy thing, which I'm like, yo, that's so freak.
Speaker 1: I know, I'm sorry, but it's so freaking and crazy
Speaker 1: and I'm like, yikes. And so she's like, yeah, we're
Speaker 1: just gonna go in. Because there's two types of surgeries.
Speaker 1: You can have the one where it's like a laser
Speaker 1: they kind of go in, and then there's one where
Speaker 1: they actually like like almost like you're having a sea section,
Speaker 1: like you know, you open yourself up and take out
Speaker 1: a baby, but this time a fibroid. And I asked her, well,
Speaker 1: because a lot of people were like, why not the laser,
Speaker 1: And I asked her, why not the laser? She said,
Speaker 1: because mine is so large. She said, there's a certain
Speaker 1: finesse about basically because one of my fibroid is not
Speaker 1: on the outside of the uterus, which I could still
Speaker 1: have the baby if if if it was it's on
Speaker 1: the inside, So that means that she wants to really
Speaker 1: finesse taking it out and putting my uterus back together.
Speaker 1: And with the laser, she it's not as she doesn't
Speaker 1: have as much control. So she was like, you know,
Speaker 1: if you were older and you're like, girl, I have
Speaker 1: two kids, She's like, it would be different. But you know,
Speaker 1: the purpose of the surgery is to make sure that
Speaker 1: we're putting you back together so you can have kids,
Speaker 1: and so woo woo. She was like, you know, she's
Speaker 1: pretty confident that I should be able to get pregnant
Speaker 1: pretty quickly. I told her I wanted to try in
Speaker 1: vitro yeah after and she was like, well, why don't
Speaker 1: you guys try natural for a while, And I said, honestly,
Speaker 1: I'm thirty eight man, so I think that, you know,
Speaker 1: and because the thing about in vitro, it's not like
Speaker 1: we can't do both. It's not like we can't try naturally,
Speaker 1: but I kind of don't want to like wait six
Speaker 1: months to a year you know, if I was thirty,
Speaker 1: I probably would honestly, we would probably try six months
Speaker 1: to a year naturally. But since I'm thirty eight and
Speaker 1: I'm kind of like, yeah, I just want to get
Speaker 1: this party started. I mean that's a.
Speaker 2: Whole doing the research part of it. Yeah, it's immediate
Speaker 2: with actors and stuff.
Speaker 1: Yeah, so I'm gonna bell I'll be laid up for
Speaker 1: about four weeks. Well that's not true. Are You're not
Speaker 1: really supposed to leave the house for about four weeks,
Speaker 1: but they which you're supposed to walk around and stuff
Speaker 1: like that, So it's not like you're like in the
Speaker 1: bed for like four weeks. You're just not supposed to
Speaker 1: like travel and stuff like that. So I was so
Speaker 1: basically my regular life, but except for more of an
Speaker 1: excuse not to leave the house because I like never
Speaker 1: leave the house. But I just kind of want to
Speaker 1: give everybody an update. And I know some of you
Speaker 1: guys have. So many people have hit me up and
Speaker 1: they're like, I have fiboids. It's crazy, Mandy, how many
Speaker 1: women are dealing with in their thirties, especially because I
Speaker 1: guess that's when fiboids typically tend to kind of like
Speaker 1: pop up if you're going to have them either in
Speaker 1: your thirties or after you have your.
Speaker 2: Kids, and when do you So you don't really detect
Speaker 2: them as that, you know, when you have your normal checkup,
Speaker 2: you know the doctor will push around and feel your
Speaker 2: uterus and stuff. But is that how you discovered them
Speaker 2: or was it really just like had you not been
Speaker 2: finding them during normal checkups? Like I'm just wondering if
Speaker 2: you wanted to stay on top of it, how you would.
Speaker 1: Yeah, you know, I did it. I mean I'm trying
Speaker 1: to think like it had been a while since i'd
Speaker 1: been into like, you know, my gynocologists, but i'd been
Speaker 1: It wasn't like years. It happened only because I was like, hey,
Speaker 1: you know I don't smoke, I don't drink, and you
Speaker 1: know I exercise on occasion. Why are we not getting pregnant?
Speaker 1: So it was that that was like, you know, it
Speaker 1: was them looking to see like why are you not
Speaker 1: getting pregnant? Is there something wrong? And so that's when
Speaker 1: like the doctor was like, oh, you have fibroids, And
Speaker 1: I was like, wait what she's you didn't know you
Speaker 1: had fibroids? And I'm like, no, you know much. She's like,
Speaker 1: one's the last time been to the doctor. It had
Speaker 1: been maybe a year, I guess, but my normal annual checkup.
Speaker 1: So I'm like, well, it hasn't been that long. And
Speaker 1: she said, well, you're at the age where it's child bearing.
Speaker 1: There's a hormone. I guess that. They're not really sure
Speaker 1: where friboids come from, but she's like, it could have
Speaker 1: grown in that time, and that's why you know, you
Speaker 1: didn't You didn't know because I wasn't necessarily looking for it.
Speaker 1: But yeah, I would just say that if you are,
Speaker 1: one of the symptoms is heavy cramping and heavy periods.
Speaker 1: But I wasn't even getting that, so you know, I
Speaker 1: know to ask or to look, you know, but I
Speaker 1: did notice that, Like I said, I had this little punch,
Speaker 1: like even when I was working out, I'm like, why
Speaker 1: is this little It wasn't a big belly, but this
Speaker 1: little belly that I can't seem to get rid of.
Speaker 1: It was basically the fibroids poking out, you know.
Speaker 2: And is it hereditary? Like if you have a history
Speaker 2: in your family.
Speaker 1: I don't know, but they honestly don't know why. I mean,
Speaker 1: in my family there is definitely a history, but the
Speaker 1: truth of the matter is it's so common. I would say,
Speaker 1: out of ten women that I've told, like my friends
Speaker 1: that had fiveboids, four of them were like, oh yeah,
Speaker 1: me too. Yeah, so it was I mean, of course
Speaker 1: that's not some scientific study, but it was. It's so
Speaker 1: much more normal than I ever knew that. You know
Speaker 1: that so many women, especially my friends, in their thirties,
Speaker 1: and I suspect, like I said that from what I'm
Speaker 1: just doing a little bit of research finding out that
Speaker 1: that's typically when they rear their heads, like in your thirties.
Speaker 1: And the reason why I never really heard of it
Speaker 1: is because I wasn't asking my friends in their twenties.
Speaker 1: Plus we weren't trying to get pregnant for the most
Speaker 1: part in our twenties.
Speaker 2: Yeah, that's true, but it's like you're not alone though,
Speaker 2: You're not alone among women who have like waited until
Speaker 2: their mid to late thirties and maybe dealing with the
Speaker 2: same things. So thanks for sharing it, and I hope
Speaker 2: everything goes smoothly.
Speaker 1: I know it's scary though, because I never had major surgery.
Speaker 1: So when they talk to you, they're like, so, we're
Speaker 1: gonna have like your blood on deck and I'm like, wait,
Speaker 1: just in case you need a transfusion.
Speaker 2: I'm like stacks on stacks on stacks, I.
Speaker 1: Know, and just like little things that like, you know,
Speaker 1: not little things, but like you know, its just I've
Speaker 1: never had major surgery, so of course you're nervous. But
Speaker 1: then part of me is like, well, a sea section,
Speaker 1: which is basically what this is, is not uncommon. So it's
Speaker 1: not like she's performing like like my husband had, you know,
Speaker 1: the annualism brain surgery. I mean, that was like whoa,
Speaker 1: But this is like, okay, Tiffany women have babies all
Speaker 1: the time. Sea sections are done literally hundreds, if not thousands,
Speaker 1: if now I'm sure tens of thousands of times a day.
Speaker 1: So I mean it's not you know this like, oh
Speaker 1: my gosh, I've never done this before. And this doctor
Speaker 1: has been doing the surgery for twenty years. She's come
Speaker 1: highly recommended. And this was like my second I always
Speaker 1: I encourage everyone to get a second opinion because some
Speaker 1: doctors are a little bit surgery happy. So this is
Speaker 1: my third opinion. But I liked her how she explained
Speaker 1: everything to me, and yeah, she just her bedside manner
Speaker 1: and her explanation of why she's choosing this method was
Speaker 1: really you know, it's what made me choose her. Yeah.
Speaker 2: Absolutely, co sign don't be afraid to doctor shop if
Speaker 2: you have time, and it's like non urgent. Yeah, I
Speaker 2: went do the same thing with my with getting on
Speaker 2: my tooth, my tooth surgery tooth operation. I hesitate to
Speaker 2: call it surgery procedure, but yeah, that stuff is stressful
Speaker 2: and it's your body, so definitely, I just I just
Speaker 2: I think I went to three dentists till I found
Speaker 2: and I actually liked. But so, what your surgery is
Speaker 2: next week? Are we gonna have a show next week
Speaker 2: or what'll we hear from you after the surgery? What's
Speaker 2: what's this good? Yeah?
Speaker 1: So yeah, well we'll have a show next week because
Speaker 1: it's before my surgery is not until Thursday and so,
Speaker 1: and then after that we'll play it by ear. I mean, honestly,
Speaker 1: from what she said, she's like, girl, you'll be walking
Speaker 1: around like it's not literally the life that she described
Speaker 1: that I can have like for the next three weeks.
Speaker 1: I'm like, oh, so my normal life, she was like,
Speaker 1: I was like, oh yeah, so basically sitting standing like
Speaker 1: I don't go to the office, so I'm not gonna
Speaker 1: lie because I hate putting on pants, so I'd rather
Speaker 1: just be home, like you know, in my nighty doing work.
Speaker 1: So it's just an excuse to live my normal life.
Speaker 1: So I don't anticipate it. Yeah, like I know Superman
Speaker 1: is like I didn't sign up for this. No, he's awesome.
Speaker 2: Depends what kind of nighty it is I.
Speaker 1: Had, you know, I just say, like I did go
Speaker 1: to Target. Target actually had some really cute nightgowns that
Speaker 1: are like that. You know, they don't because you don't
Speaker 1: want to wear I'm not trying to wear neglige ade
Speaker 1: just like on a Tuesday at three, although I'm sure
Speaker 1: you would love that, but you know, you want a
Speaker 1: nightgown that's cute but also like comfortable, and so I like,
Speaker 1: in between.
Speaker 2: The double X college T shirt, I had a skimpy
Speaker 2: Victorious Secret aisle like the middle Ground.
Speaker 1: Yeah yeah, it almost looks like a like a Maxi dress,
Speaker 1: like a summer dress. You know. Hm, so it's cute.
Speaker 1: So yeah, so so I'm honestly, it seems like it'll
Speaker 1: be my regular life minus travel.
Speaker 2: Okay, it's happening, I know, great. I know at least
Speaker 2: two women who've had the surgery and things have been fine,
Speaker 2: they have babies.
Speaker 1: Was it for the babies or was it for just because.
Speaker 2: I don't know about the first one, but the most
Speaker 2: recent one she only had the procedure over the summer,
Speaker 2: and I actually don't know her well enough to be
Speaker 2: checking in like that. So when you know people are trying,
Speaker 2: it's you also don't want to ask. Yeah, Like it's
Speaker 2: like when someone you know you always I don't know
Speaker 2: it just you just wait for them to tell you
Speaker 2: because it's kind of sensitive. You never know.
Speaker 3: Yeah, all right.
Speaker 1: All right, all right, out right out.
Speaker 2: Yeah, So I wanted to mention real quick some people
Speaker 2: are maybe noticing that the stock markets having a little
Speaker 2: bit of a temperate interim right now. It went down,
Speaker 2: the stock market went down today, and I just wanted
Speaker 2: I just thought it was a good opportunity to talk
Speaker 2: because like I just checked my four oh one K
Speaker 2: from the last year, and if you do that, you
Speaker 2: might see if you've been investing in this past year,
Speaker 2: you might see in incredible returns. Like in the past year,
Speaker 2: my my four to oh one K, which I don't
Speaker 2: do anything fancy with, was up twenty two percent, which
Speaker 2: is in freaking sane, like the markets for just raging
Speaker 2: this year, but like what goes up must come down,
Speaker 2: and I think it's I think this is a time
Speaker 2: when you just remind people that yes, we've had this crazy,
Speaker 2: amazing bull market and your stocks are doing great, but
Speaker 2: there's gonna be probably a correction, like socks are probably
Speaker 2: going to go down. But the point of the key
Speaker 2: here is to remember, so long as you're well diversified
Speaker 2: in your investments, it's better to just don't do anything, like,
Speaker 2: don't freak out, don't try to fiddle with things, don't
Speaker 2: try to sell everything. If you're investing for like I'm
Speaker 2: a retirement investor, like I'm I'm investing for the long term.
Speaker 2: And again and again, it's like experts say, just don't
Speaker 2: do anything, like research has shown and they've actually done this.
Speaker 2: They've gone back and looked at studies of investors like
Speaker 2: four to one K investors who sold during the recession,
Speaker 2: and they have done worse than people who just stayed
Speaker 2: and rowed, just rode the wave. That's just what the
Speaker 2: market does. It goes up, it goes down, it goes up,
Speaker 2: it goes down. That's just it's always going to happen
Speaker 2: that way, So don't be too freaked out by the headlines.
Speaker 2: This is just is this is honestly just what everyone's
Speaker 2: been expecting for a while, and who knows, it could
Speaker 2: be back up tomorrow, but I just thought I would
Speaker 2: give that little public service announcement.
Speaker 1: No, it is hard, especially if you're checking, like you said,
Speaker 1: every single day, so they really kind of tell you
Speaker 1: not to, especially if you're now if you're a trading right,
Speaker 1: So yeah, difference, I know. So trading is kind of
Speaker 1: like when you literally trade, you go in, you go out,
Speaker 1: you go in, you go out. But if you're investing,
Speaker 1: like Mandy said, for long term, then you know the
Speaker 1: ups and the downs are part of the overall growth,
Speaker 1: you know, and so you just kind of like, okay,
Speaker 1: I know that in the end, I mean, unless you're
Speaker 1: like retiring tomorrow, I should be in a better position.
Speaker 2: Well, if you are retiring tomorrow, like that's that's the thing.
Speaker 2: That's the reason that they say, you know, once once
Speaker 2: a year, once every couple of years, if you're younger,
Speaker 2: check in and maybe recalibrate your portfolio, like get a
Speaker 2: little bit out of stocks and more into like secure,
Speaker 2: more into safe, safe investments like bonds and CDs and
Speaker 2: things like that. But as you're older, you should be
Speaker 2: shifting in that direction, like less exposed to risk, like
Speaker 2: less stocks and shifting more to safe investments like bonds
Speaker 2: and CDs and things like that. That's so like when
Speaker 2: I have a target date fund. You guys might have
Speaker 2: heard of target date funds. This is a type of
Speaker 2: investment account that is like it's sort of like a
Speaker 2: a pre made a pre made retirement fund for you.
Speaker 2: They've done the asset allocation, and as you ate, they
Speaker 2: shift things over the internet. The web, the robots shift
Speaker 2: things over for you, so you don't even have to
Speaker 2: You literally can set it and forget it. So you
Speaker 2: pick a target dat fund that's like tied to your
Speaker 2: retirement year. I think mine's a twenty fifty five, and
Speaker 2: I don't have to do anything. As I get older,
Speaker 2: it's going to become less risky. And so if there
Speaker 2: were a super like if the market did go down
Speaker 2: when I was older and close to retirement, the aim
Speaker 2: there is that, Okay, I wouldn't be as exposed as
Speaker 2: I am now at thirty, and then I wouldn't feel
Speaker 2: that pain of that downturn so much so people who
Speaker 2: really felt pain with people who were too heavily exposed,
Speaker 2: too close to retirement, and probably we're taking on more
Speaker 2: risk than they should have.
Speaker 1: Yeah, and so you have to know that, like it's
Speaker 1: important that when you're you're thinking about investments that there
Speaker 1: there's more than one way. So where tire people don't
Speaker 1: think about retirement. I'm glad you made that distinction that
Speaker 1: as retirement as an investment, it is so me I
Speaker 1: have too. So like I invest for retirement, which is
Speaker 1: the express desire to have a certain amount of money
Speaker 1: by a certain age, but then I also invest specifically
Speaker 1: for wealth, So that's I don't put as much money
Speaker 1: toward that, but it's money that you know, I'm a
Speaker 1: little bit more risky with, and the express desire for
Speaker 1: that money is to grow myself wealth. And so I
Speaker 1: kind of put my investments into two different kind of
Speaker 1: like pots like that, where I'm like, okay, I set
Speaker 1: aside a specific amount every single month for retirement, so
Speaker 1: by the time I'm fifty, that's kind of like my age.
Speaker 1: By the time I'm fifty, I'll have a certain amount
Speaker 1: of money. And then for wealth, I'm like Okay, I
Speaker 1: set aside less money, but I'm more risky where I'm like,
Speaker 1: if I lose the money, it won't be detrimental because
Speaker 1: I have my retirement.
Speaker 2: Nest egg exactly. It's like you have to ask yourself, like, Okay,
Speaker 2: what am I saving for? And then how much time
Speaker 2: do I have if you're like for me saving for it.
Speaker 2: We've always had our down payment for a house. Honestly,
Speaker 2: now we've had it for like two years. Probably should
Speaker 2: have put it in a CD by the time we
Speaker 2: thought we would need it within a year, so that
Speaker 2: in savings. But yeah, if we were going to play
Speaker 2: with some money to maybe I don't know, go on
Speaker 2: a vacation, a big or fifth anniversary trip or something
Speaker 2: like that, I wouldn't mind putting that into a little
Speaker 2: investment fund like a little brokerage account and letting it
Speaker 2: grow for a while. Yeah, just just just ask yourself
Speaker 2: those questions before and ask yourself, is it the wisest
Speaker 2: decision too? I don't know put my you know, I've
Speaker 2: got two years before my kid graduates college. I really
Speaker 2: want to gamble their college savings in the market. But
Speaker 2: when they're two months old, Yeah, maybe you want to
Speaker 2: open up an investment account and be a little riskier
Speaker 2: because you got eighteen years to invest for their college. Yeah,
Speaker 2: that's the kind of conversation you should be having with
Speaker 2: your spouse, with a professional financial advisor, just someone who
Speaker 2: can help you line up your goals and then work
Speaker 2: on them.
Speaker 1: Actually, somebody sent me like, just like on ig a store,
Speaker 1: if we can save it for question? But it ties
Speaker 1: in perfectly with this about say put it setting inside
Speaker 1: money in your four one K versus paying off debt,
Speaker 1: so we can maybe.
Speaker 2: Oh I love that question.
Speaker 3: M it's a good one.
Speaker 1: Okay, So are you ready to break or boothe break
Speaker 1: or boooo? I already told you where my break is
Speaker 1: going to be. If you want to go first, I
Speaker 1: will certainly welcome it. Or I can go first. It's
Speaker 1: a deep one.
Speaker 2: Oh I'll go first. I'll go first. I was gonna
Speaker 2: I can do. I'm gonna do a pre boost for
Speaker 2: my real boost. Unrelated, but I literally spent like I
Speaker 2: don't know, half the weekend watching Living Single on Hulu.
Speaker 2: I was I posted on our Facebook. I really was
Speaker 2: not kidding. My weekend was made. I had no idea
Speaker 2: it was coming back that show. I probably watched it
Speaker 2: when I was too young to be watching it.
Speaker 1: But wait, it's coming back.
Speaker 2: No, it's back. It's on Hulu. Who Okay, two things. One,
Speaker 2: it's on Hulu too. Yes, they're talking about revising it
Speaker 2: with the original cast, which I am like losing my
Speaker 2: mind over losing it because I mean, yes, Max Attorney
Speaker 2: in Law, Yes, yes, Sinclair Overton.
Speaker 1: Oh my gosh, Rage.
Speaker 2: Regine Kyle. I don't even know who the rest of
Speaker 2: the cast is. But it's fun to go back and
Speaker 2: watch old episodes because you see people like Terrence Howard
Speaker 2: was in It's it's so funny. But this show is everything,
Speaker 2: and it's just anyway I had. I've had the theme
Speaker 2: song in my head all weekend, like.
Speaker 1: Oh yeah, this was quintessential nineties.
Speaker 2: And not only that, but like, regive it respect because
Speaker 2: this show was like the launching pad for other shows
Speaker 2: like Friends. I mean this show, this show. Everyone wanted
Speaker 2: to repeat what they had with the show, and I
Speaker 2: couldn't believe it was just on five seasons.
Speaker 1: I didn't know that. Yeah, I love Queen Lati. You
Speaker 1: know she's from Newark and Newark Flash Rbton like this area,
Speaker 1: and so I believe I think her mom was retired,
Speaker 1: but she she was a teacher at high school I
Speaker 1: believe in Newark for a number of years until she retired.
Speaker 1: So Queen Latifa is like, yeah, she is the Owens.
Speaker 2: Yeah, okay, that's my pre boost. Okay, so the nineties
Speaker 2: are back. They're like bringing back Roseanne too. I can't
Speaker 2: okay too much nineties. So my real boost is so
Speaker 2: we all know that after the Golden Globes, the success
Speaker 2: of the Golden Globes, everyone was all fired up about
Speaker 2: the times Up movement, and then it came out that
Speaker 2: Michelle Williams, who walked the red carpet with Tarana Burke,
Speaker 2: the founder of the Me Too movement, it came out
Speaker 2: that she was paid like one thousand dollars for a
Speaker 2: reshoot of a film, and her co star Mark Wahlberg,
Speaker 2: who somehow is the highest paid actor in America, was
Speaker 2: paid like a million dollars, yeah, for the same reshoot.
Speaker 2: And actually the reshoot the only reason the reshoot happened
Speaker 2: is because Kevin Spacey, the actor who a celebrity came
Speaker 2: out or an actor came out and said that when
Speaker 2: he was a teenager, Kevin Spacey assaulted him and all
Speaker 2: these other revelations about Kevin Spacey came out from other
Speaker 2: people coming forward, and he was kicked off this movie.
Speaker 2: He wasn't kicked He wasn't kicked off the movie. He'd
Speaker 2: already done his part in film that the movie was done,
Speaker 2: but the director decided to recast him and then go
Speaker 2: back and reshoot his scenes with the different actors. So
Speaker 2: Michelle Williams Mark Wahlberg were called in to do those reshoots,
Speaker 2: and then they found it came it got, it got
Speaker 2: leaked to the process. Yeah, she was paid one thousand,
Speaker 2: and he was paid like.
Speaker 1: One million, like one zero zero zero, like.
Speaker 2: Yes, one thousand. So apparently he was on he was
Speaker 2: on some special contract that he had negotiated and he
Speaker 2: got he just got. He was able to renegotiate. Whereas
Speaker 2: she she got the union rate, like if you're an actor,
Speaker 2: you're part of sack. She got the union rate for
Speaker 2: But once it leaked, it was I mean, it was
Speaker 2: obviously the timing of it was so ironic. But anyway,
Speaker 2: I h it turns out Mark Wahlberg in the end
Speaker 2: decided to donate his salary to I don't know if
Speaker 2: it was to the Times that I think it was
Speaker 2: to the Times Up movement. He decided he pledged a
Speaker 2: million and a half dollars to times Up. I love it, Okay,
Speaker 2: this was one way to handle that because it's not
Speaker 2: necessarily his fault. It's the people. It's the people on
Speaker 2: the other end who are seeing everything. And it's also
Speaker 2: like Michelle Williams agent like her agent should probably.
Speaker 1: Yeah, I need you to yeah, get on that. Wow.
Speaker 1: I'm like, I just because when you said a thousand,
Speaker 1: I said, oh, she must me one hundred thousand, which
Speaker 1: is still terrible. A thousand dollars girl, Like I could
Speaker 1: pay you that?
Speaker 2: Yeah?
Speaker 1: Yeah, And how's that a boost again? Oh?
Speaker 2: It was a boost for the way Mark Anthony, Mark Anthony,
Speaker 2: it was a boost for the way that he handled it.
Speaker 1: Okay. Yeah, I was like, wait a minute, I got
Speaker 1: lost to the sauce, Like, wait a minute, how is
Speaker 1: that good?
Speaker 3: And there's more.
Speaker 2: It's a multi layered boost. Not only are you getting
Speaker 2: a pre boost, you're also getting a multi layered post boost. Okay,
Speaker 2: So other actors who I've worked with, so Woody Allen
Speaker 2: obviously has he has a the Sordid Pass where his
Speaker 2: stepdaughter accused him of sexually molesting her, and then everyone
Speaker 2: just kind of ignored it, and he's continued to like
Speaker 2: want oscars when I and work with the best of
Speaker 2: the best actors. So finally it seems like people are
Speaker 2: willing to turn their back or at least at least
Speaker 2: acknowledge what happened. So there's some actors who have pledged
Speaker 2: not to work with him, and then a couple who
Speaker 2: recently worked with him have donated their salaries to pro
Speaker 2: women charities, including Times UP.
Speaker 1: So I saw that someone that Selena Gomez, her mother
Speaker 1: like either tweeted her or ig like was like yeah.
Speaker 1: I told Selena, like, that's not you shouldn't work with him,
Speaker 1: that you have this show about discrimination toward women, And
Speaker 1: I don't know what the show was. That Selena is
Speaker 1: like executive producing whatever, why would you work with him?
Speaker 1: And like, so her mom not threw her under the bus,
Speaker 1: but I think someone asked her, why should you go
Speaker 1: to work with him? She's like Selena, as an adult,
Speaker 1: it can make her own choices. I told her it
Speaker 1: wasn't a good idea, but at the end of the day,
Speaker 1: she can make her own choices, and she did. And
Speaker 1: I don't agree with it. I said, oh, I know,
Speaker 1: she was.
Speaker 2: One of the ones who well she yeah, she was
Speaker 2: one of the ones who said that they were donating
Speaker 2: to the cause because she had worked with Fordy Allen.
Speaker 1: Child. There's so much going on. I'm like, oh my gosh.
Speaker 1: I mean it's good that things. You know, if they say,
Speaker 1: you know, somebody's grandma's does what what doesn't come out
Speaker 1: and in the wash comes out in the rents, you
Speaker 1: know the yeah. So it's like so eventually, basically you
Speaker 1: know what happens. Eventually you know it's not it can't
Speaker 1: stay a secret forever, basically, and so secrets are being
Speaker 1: exposed and shared as they ought to be. It's just
Speaker 1: that some days you're just like boom boom boom boom boom.
Speaker 1: So you know what, in honor of your your multi
Speaker 1: layered boost, I'm actually going to do a multi layered break.
Speaker 2: Oh love it.
Speaker 1: So first break just a little something light to the
Speaker 1: other one's kind of heavy, just hit me. So first
Speaker 1: Break is for folks that always want to meet in
Speaker 1: person when a phone call is enough? Why why why
Speaker 1: why why why? So because people will be like, I
Speaker 1: get it. FaceTime is definitely great, but sometimes people will
Speaker 1: want to meet, especially like if I know you, I'm like, girl,
Speaker 1: like we're not strangers, We're not like you know, trying
Speaker 1: to just didn't know each other and let me meet
Speaker 1: you sometimes, you know, like I'll have meetings and I'm like,
Speaker 1: this could have so been a phone call and I
Speaker 1: could have still been in my ninety.
Speaker 2: And there's some people You're like, I know you enough already.
Speaker 1: We don't need Yeah, we don't need to, like like
Speaker 1: if we're gonna meet, like you know, it doesn't have
Speaker 1: to be this formal meeting, like you know. So that's
Speaker 1: a little break. So stop trying to meet with people
Speaker 1: if you really could have a phone call, because it's
Speaker 1: just a waste because the travel time, they get ready time,
Speaker 1: Like I prefer to look crazy at home in my
Speaker 1: target nighty talking to you on the phone and just
Speaker 1: getting down to business. So that's one that's a light
Speaker 1: break and a heavy break is And I wasn't even
Speaker 1: gonna mention it, but I'm like, you know what forty
Speaker 1: five and his remarks on Haiti and African nations, calling
Speaker 1: them s whole countries, and I was just like, you
Speaker 1: know what, I'm actually gonna boost Lola Lola, I'm gonna
Speaker 1: say your name wrong and they're gonna take my Ebo card.
Speaker 1: Ugh he Lola, what is your name? Oh?
Speaker 2: Oh, they're coming for you.
Speaker 1: I know they are because they're like word tippany honestly,
Speaker 1: like she is a is an anchor, Lola Ogunaki, o Gunaki. Oh,
Speaker 1: I think I said it right, O Gunaki, Lola Ogunaki.
Speaker 1: She's my girl and she's the host of Entertainment Weekly.
Speaker 1: But she was recently on CNN and she decided to
Speaker 1: talk about these countries that especially because Lola is Nigerian
Speaker 1: like myself, and she was like, let me give you
Speaker 1: some stats about this whole country that the president is
Speaker 1: describing that you know, like the stats on level of
Speaker 1: education and what they bring. One thing she said that
Speaker 1: was thought that was like WHOA. I didn't realize that
Speaker 1: she was like that Nigerians. That's one of the countries
Speaker 1: that the President said that why are these people coming here?
Speaker 1: That we have people like Norway instead coming here, which
Speaker 1: basically means why are black and brown people coming here?
Speaker 1: We much rather have white people, which is like, that's
Speaker 1: the definition of racist. Although forty five, will you know
Speaker 1: he's the least racist person ever but you know whatever,
Speaker 1: And so she had a stat where she said, Nigerians
Speaker 1: make up less than one percent of the African American
Speaker 1: population here in America, of the black population here in America,
Speaker 1: but make up like twenty five percent of those like
Speaker 1: in college or uh. And so basically you're saying like
Speaker 1: that this is a country that like's yielding like terrible people,
Speaker 1: and the numbers say that's a lie. And you know
Speaker 1: it just I said I wasn't gonna give energy to
Speaker 1: it because honestly, I've been overwhelmed enough and I just
Speaker 1: I just don't get it, Like is this a dream? No,
Speaker 1: a nic just like, what is really actually happening in
Speaker 1: like the United States of America? That is this a
Speaker 1: real person? Is this really being said? Is he's telling
Speaker 1: like another nation? Well, my my my buttons? You know,
Speaker 1: my nuclear button is bigger than yours. I just who
Speaker 1: does that? Are you five? Are you? Are you in
Speaker 1: middle school? I just And then to see people steel
Speaker 1: like championing him, I'm like, I don't. I don't know
Speaker 1: if you realize that if nuclear work comes, you're gonna die?
Speaker 1: Are you crazy?
Speaker 2: Like?
Speaker 1: I just oh, child? So that's my break, a break
Speaker 1: from his I just wish somebody would turn his mic off,
Speaker 1: turn his mic off. It turns it turned away.
Speaker 2: I mean, he's got it for at least another three years.
Speaker 2: I mean, I'm bless something. But you know, I will
Speaker 2: say we I posted this on the group there's you know,
Speaker 2: people were, like you said, you didn't want to give
Speaker 2: voice to it, but a lot of people were taking
Speaker 2: an opportunity to post about themselves, like I'm from a
Speaker 2: shithole country and here's I have three degrees, I speak
Speaker 2: four languages, I'm a future doctor. You know, it's been
Speaker 2: it's that was beautiful, see, because you know it's not true,
Speaker 2: Like we know it's anyone who has been exposed to
Speaker 2: anyone from a foreign country who's immigrated to the United
Speaker 2: States and made a life here. You know that these
Speaker 2: are the most ambitious, the most proud Americans there can be,
Speaker 2: the most people who will not squander the privileges that
Speaker 2: they have here. And you know what, you know what,
Speaker 2: why not give them? Why not give them an excuse
Speaker 2: to shout, to show people, to remind people who they
Speaker 2: are and that they're here and what they're doing. And yeah,
Speaker 2: it's it's really sad. I'll tell you that Friday, like
Speaker 2: the news came out earlier last week, and then Friday,
Speaker 2: I had already had tickets to this show on Broadway
Speaker 2: called Once on This Island, and I knew it took
Speaker 2: place in islanded the Caribbean, but I just I didn't
Speaker 2: know it was in Haiti until I got there and
Speaker 2: sat in my seat and read the notes, and then
Speaker 2: the music started, and then I was swept away. And
Speaker 2: it was a beautiful. It was a beautiful play about
Speaker 2: family and love. And yes, I poor people in a
Speaker 2: poor country, but the intersection of poverty and wealth and
Speaker 2: Haiti and it was it felt like it was meant
Speaker 2: to be that I was there on the week when
Speaker 2: he called Haiti and other countries, you know, use that
Speaker 2: word to describe them because it's so clear that they're not.
Speaker 2: And I'm sorry, I'm sorry to everyone that his words hurt.
Speaker 2: But I feel like and and and sadly, he's he's
Speaker 2: he's representative of a lot of like toxic. It's like
Speaker 2: he's the face of the snake that's been underneath the
Speaker 2: belly of America for so long. He's there's just a
Speaker 2: face and a mouse to it. Now we have to
Speaker 2: confront it, you know, yeah, you know.
Speaker 1: It's it's and that's exactly how it feels. It feels
Speaker 1: like because somebody for so long, brown folks have been saying, yeah,
Speaker 1: so racism still existing, and folks have been telling them,
Speaker 1: like you have a black president, be quiet, ain't no racism,
Speaker 1: and we're like, yeah, I kind of live in this
Speaker 1: brown skin. So I've seen it and it's still here.
Speaker 1: And so this is kind of like I feel like
Speaker 1: a lot of people would. Honestly, I'm not super surprised.
Speaker 1: I'm just surprised at how blatant it is, Like the
Speaker 1: well it blade it is from the White.
Speaker 2: House's safe enough to say it.
Speaker 1: Yeah, yeah that and then to say it's a lie.
Speaker 1: I didn't say that. I just you know what, I'm
Speaker 1: just gonna go back to my happy place, which is
Speaker 1: making dinner, doing laundry, and you know, unfortunately going food shopping,
Speaker 1: and then I just but just.
Speaker 2: Your very presence and your success is exactly the answer
Speaker 2: to him that we need. Do you know of your life,
Speaker 2: because that is the ultimate protest and to.
Speaker 1: Do like, I mean, the truth is like one of
Speaker 1: the things that I've been like, I've been kind of
Speaker 1: uh like slow rolling on is I've been wanting to
Speaker 1: start like a foundation, and I was just like, oh,
Speaker 1: there's just so many ins and outs, and but then
Speaker 1: I told myself, you know, now, more than ever, I
Speaker 1: want to start a foundation where myself and you know,
Speaker 1: the Dream Catchers, that we donate money to it every
Speaker 1: single year and they collectively decide what to do with it.
Speaker 1: I would love half of the money to go to
Speaker 1: other nonprofits that are doing amazing work for girls, for
Speaker 1: girls and women that I specifically want to focus on
Speaker 1: women and girls are kids, and so like we would
Speaker 1: vote every year to be like, okay, so who are
Speaker 1: we giving half this money to the Girl Scouts? This
Speaker 1: that okay, that's great, And then the other has to
Speaker 1: be set up like a scholarship program, and maybe we
Speaker 1: would pick one specific goal. So maybe the first year
Speaker 1: the scholarship program is for Dreamcatchers who can't afford daycare
Speaker 1: and they can apply to get help to help supplement
Speaker 1: the cost of daycare. And like having like a team
Speaker 1: in place to help, you know, vet and make sure
Speaker 1: and then pay in the daycare. So that's like my
Speaker 1: one of my goals. And I feel like, you know,
Speaker 1: one of the reasons why I don't like to give
Speaker 1: too much energy to like this, and you know his
Speaker 1: poison is that I so much much rather to put
Speaker 1: my energy toward creating something like that the Live Richer Foundation,
Speaker 1: where it's like, Okay, what actual change can I move
Speaker 1: to needle? How can I move the needle forward for
Speaker 1: us as a community. And so that's like one of
Speaker 1: my and I've I've been speaking it out loud because
Speaker 1: dream Catchers are bossy and I know if I say it,
Speaker 1: they're gonna be on me, which I need because I'm like,
Speaker 1: no more excuses like well, I don't know how to
Speaker 1: start a foundation and I don't know how to. But
Speaker 1: a friend of mine, she's like, well, girl, that's what
Speaker 1: I do. I help foundations get set up. I will
Speaker 1: help you. I'll help you get the board together and
Speaker 1: what you need. And you don't have to do everything
Speaker 1: all in one year. We could just get the found
Speaker 1: the framework set up for this year, and in twenty
Speaker 1: nineteen we can raise funds, and in twenty twenty we
Speaker 1: could give away funds. It doesn't have to be just
Speaker 1: like undertaking that you have in like six months. But
Speaker 1: so I'm just putting it out there because I want
Speaker 1: to do something that is not just about acknowledging what's wrong,
Speaker 1: but do something that's actually going to help make what
Speaker 1: I want to see what's right, and not just what
Speaker 1: I want to see what's right, but collectively what we
Speaker 1: want to see make that right.
Speaker 2: You know, absolutely what better day to talk about this
Speaker 2: to you in the day after MLK the MLK holiday. Yes,
Speaker 2: this is the time, and I agree. I'm gonna my
Speaker 2: my One of my resolutions is to get involved in
Speaker 2: my local politics. My excuse has always been, you know,
Speaker 2: because I've moved so much, I'm like, oh, well, I
Speaker 2: don't really don't feel like I have roots anywhere. But
Speaker 2: I'm kind of done making that excuse. I'm just gonna
Speaker 2: get involved. Jersey City has a great local a c
Speaker 2: l U group. There's little things I can do that
Speaker 2: I feel like. You know, I was so much more
Speaker 2: involved when I was in college, and now when I
Speaker 2: actually have more resources to give to a cause, it
Speaker 2: feels like I've I haven't been. So there's yeah, I.
Speaker 1: Want to hear what they dream dream. I would like
Speaker 1: Brown Ambition listeners have to say. I would love if
Speaker 1: you would tweet us at what do We b A podcast?
Speaker 2: The BA podcast at the BA Podcast on Twitter, yep, yep.
Speaker 1: Tweet us at the BA podcast or right on our
Speaker 1: Facebook wall, Brown Ambition and just let us know, like
Speaker 1: what what what Brown boost will you do to make
Speaker 1: a difference? You know, so we could focus on bringing
Speaker 1: like the good positive energy forward.
Speaker 2: I'd love to know, give us something to boost y'all.
Speaker 2: We're struggling here.
Speaker 1: Yeah, please, you know what we can include you as
Speaker 1: a win that would be awesome.
Speaker 2: Yeah. Every week it's like, let me shovel through this
Speaker 2: crap first, Well.
Speaker 1: Chat all right, questions, I don't know if you I
Speaker 1: have my question. We can take two of them if
Speaker 1: you want. But I can pull out the question that
Speaker 1: the young woman wrote me that I thought was in
Speaker 1: alignment with what we talked about earlier.
Speaker 2: No, let's let's do it. And this is a good
Speaker 2: chance to remind you guys, because the inbox is getting
Speaker 2: a little thin. I know y'all have some questions. Please
Speaker 2: get us up at Brown Ambition podcast dot com. You
Speaker 2: can click to Ask us anything tabs to send us
Speaker 2: a question, or you can hit us up directly at
Speaker 2: Brown Ambition Podcast at gmail dot com. We get a
Speaker 2: lot of notes where people are like we love the show.
Speaker 2: We just want to say we don't have a question.
Speaker 2: That's awesome. But what you can also do is leave
Speaker 2: those reviews online on iTunes. That would be amazing. It's
Speaker 2: so much more impactful when you don't just share with us,
Speaker 2: but you share with everybody. So we love those notes.
Speaker 2: But if you could also copy and paste them into iTunes,
Speaker 2: that would be lovely. Yes, all right, so let's do Yeah,
Speaker 2: let's hear your question.
Speaker 1: All right. So this is the young girl on Instagram,
Speaker 1: and she said, on the topic of because I today
Speaker 1: for the Live Riachure Challenge the Networth edition, we talked
Speaker 1: about and putting money in your your IRA roth IRA
Speaker 1: or four one k. So she said, By the way,
Speaker 1: a topic that comes up for many regarding for one
Speaker 1: K that even I get shaky on is how does
Speaker 1: it make sense to save money into a four one
Speaker 1: K when I have outstanding credit card debt and student
Speaker 1: loan debt? Should I be taking whatever I save and
Speaker 1: putting it toward debt since the interest is higher than
Speaker 1: the rate of return I'm getting in my four one
Speaker 1: K or retirement. I have to face this all the
Speaker 1: time surrounding I don't know. She says, surrounding myself with
Speaker 1: folks that say pay yourself first, that it's important. Okay, Well, anyway,
Speaker 1: that's basically what she's asking. There's a lot of other
Speaker 1: stuff in here. I'm like, what she's talking about, basically,
Speaker 1: should should she put money? Should she continue to put
Speaker 1: money in her retirement account which she has a four
Speaker 1: to one K, or should she just say stop and
Speaker 1: put her money towards paying down the debt? Because it's like, ah,
Speaker 1: what should I do?
Speaker 2: Yeah, I think a lot of people are in that position.
Speaker 2: There's no black and white answer, but I think the
Speaker 2: question itself is really smart, and she's right. If you
Speaker 2: have a twenty two percent interest rate credit card. I
Speaker 2: have a really good girlfriend. I'm trying to help right now.
Speaker 2: I'm not going to call her out, but she has
Speaker 2: three credit cards that have over twenty three percent infrastrates APR,
Speaker 2: and she's been saving ten percent for retirement. And I'm like,
Speaker 2: I salute you for saving for retirement, but I really
Speaker 2: think that your money, you should maybe bring it down
Speaker 2: to five, keep your company match, and put a little
Speaker 2: bit more towards this credit card debt. Because yeah, I
Speaker 2: made twenty two percent of my retirement from this year
Speaker 2: this year, but on average you can only expect, like
Speaker 2: I don't know, seven to eight percent on a conservatively,
Speaker 2: which is not going to beat the twenty plus percent
Speaker 2: that you may be paying on credit cards. So yeah,
Speaker 2: I think it's a try if you can to save
Speaker 2: a little bit for retirement, but attack your debt and
Speaker 2: get it out of the way because it's only going
Speaker 2: to drag you down.
Speaker 1: So when Mandy says attack your debt, though, be mindful
Speaker 1: that she's not talking about typically student loan debt that
Speaker 1: the interest rate is lower, or your mortgage. It's credit
Speaker 1: card debt tends to be that's the most detrimental debt
Speaker 1: that grows really quickly. Because what I don't want to
Speaker 1: see is because I see this, I think Prudential had
Speaker 1: done this study for like it's called the African American Experience,
Speaker 1: where they asked the African American community, what what are
Speaker 1: your financial like like your main financial goals and on
Speaker 1: a whole, our main financial goal was to get rid
Speaker 1: of debt. And then they asked the community at large
Speaker 1: like they did like you know, like I guess a
Speaker 1: larger study and the community at large its meaning like
Speaker 1: non African Americans, their financial general financial goals were to
Speaker 1: grow wealth. And so my concern is that I find
Speaker 1: that a lot that especially within this Brown ambition community,
Speaker 1: that were so debt reduction focused that we forget that
Speaker 1: you also have to be focused on investing. So I
Speaker 1: like the fact that you said that, Like, you're right
Speaker 1: that don't not put money aside for a retirement, but
Speaker 1: being smart about it because you have to, you know,
Speaker 1: you have to set aside and especially if your company matches. Definitely,
Speaker 1: So if your company says if you put up to
Speaker 1: five percent in your four to one K, we will
Speaker 1: match you up to five percent, then definitely match it,
Speaker 1: you know. But but I don't want you shouldn't just
Speaker 1: be debt focused, but then you also shouldn't just be
Speaker 1: investment focused that there's a balance there depending on, uh, like,
Speaker 1: where your debt lies. If if your debt is credit
Speaker 1: card debt, then yes, heavily paid down credit card debt.
Speaker 1: But if your debt is like student loan mortgage, then
Speaker 1: I wouldn't forego, like, you know, maxing out my retirement
Speaker 1: account to to pay down my mortgage faster, because one
Speaker 1: it's going to take forever and two you're likely going
Speaker 1: to get a higher rate of return on your on
Speaker 1: your retirement account then your then your mortgage interest rate
Speaker 1: is going to be Yeah.
Speaker 2: I think a common combination we get when we get
Speaker 2: questions from magnified money readers is student debt and credit
Speaker 2: card debt and retirement. And if it's federal student loan debt,
Speaker 2: maybe and you have high interest credit card debt, maybe
Speaker 2: it means okay, for this year, you enrolled income from
Speaker 2: repayment plan, you get a reduced payment on your student loans,
Speaker 2: and you can throw more money towards your credit card debt.
Speaker 2: And then one you're done with your credit card debt,
Speaker 2: you get out of the income to repayment plan and
Speaker 2: start attacking your student debt a little bit more. It's
Speaker 2: like a yeah, it's like a constant balancing act. And
Speaker 2: while you're doing that, maybe you're only putting it enough
Speaker 2: to capture your company match to your four one K.
Speaker 2: And it's a process, you know. I think just the sheer,
Speaker 2: I think it's a good question to ask, but it's
Speaker 2: also it can like paralyze you too if you really try,
Speaker 2: and if you really try to come up with the
Speaker 2: perfect the perfect balance of saving versus paying down debts
Speaker 2: when you have so many things kind of cooking. I
Speaker 2: sort of think it's easier if you order things in
Speaker 2: priority based on interest rate and also like how they
Speaker 2: could harm you if you were to let them linger forever.
Speaker 2: Obviously with your mortgage, you could lose your house. You
Speaker 2: don't want to do that. Seem to pay your mortgage
Speaker 2: bill on time, but paying more than your mortgage payment
Speaker 2: every month, Yes, like Tiffany said, yes, you'll pay it
Speaker 2: off a little bit fast, but it's not gonna it's
Speaker 2: not going to be better for you in the long
Speaker 2: run in terms of the extra costs. Then it would
Speaker 2: be to put that money towards your credit card debt
Speaker 2: or even your auto loan debt for that matter.
Speaker 1: Yeah, because I don't. Loans tend to be higher interest
Speaker 1: rates than like your mortgage or your student loans and
Speaker 1: your if you have federal student loans, because private student
Speaker 1: loans can, those interest rates can be high.
Speaker 2: Some people don't know either, even what their aprs are.
Speaker 2: So that's like a really good first step. It's just
Speaker 2: to sit down. I had my friend do this. I
Speaker 2: gave her like a spreadsheet just you know, line up
Speaker 2: your debts, find out the APR and really you can
Speaker 2: prioritize them that way, very simple. Yeah, anything over the
Speaker 2: seven percent you might get on average in your four
Speaker 2: one K that should be a priority, a bigger priority anyway.
Speaker 1: Yeah, So hopefully we answered your question. The girl, so
Speaker 1: I said, you're on IG I'm going to force you
Speaker 1: to listen to Brown Ambition. I'm gonna say, hey, girl,
Speaker 1: here's the link to our website. I need you to
Speaker 1: listen because I answered your question versus like you know,
Speaker 1: typing it all up in Instagram DMS. So cool. That's
Speaker 1: how we get listeners, so strong on them. So yeah,
Speaker 1: you can tweet, you could tweet me and you can.
Speaker 1: I g be your questions, but I'm not gonna answer back.
Speaker 1: I'm gonna say we address that on brann Abission episode three. No,
Speaker 1: I'm just.
Speaker 2: Joking, Okay, sometimes I answer back to their emails.
Speaker 1: I do. It's okay now, I'm just teasing, y'all. We
Speaker 1: all we enjoyed. The best place to really ask so
Speaker 1: is to go on to our website brandabis podcast dot
Speaker 1: com and and then just click ask ask us anything.
Speaker 1: Is that what it says? Yep mm hmm. That's the
Speaker 1: best place and ask away. We love answering questions. Honestly,
Speaker 1: to me, it's one of my favorite parts of the show,
Speaker 1: and we really like to see your growth. And you know,
Speaker 1: it would be great if we answer the question and
Speaker 1: you want to give us an update, that would be amazing.
Speaker 2: Yeah, definitely, it's time for win.
Speaker 1: Day when I'm not gonna lie. I don't have a
Speaker 1: win at the top of my head right now. You
Speaker 1: go first.
Speaker 2: I will gladly go first, apart from the fact that
Speaker 2: I'm drinking a nice ice cold beverage out of my
Speaker 2: Swell bottle, which I believe was Tiffany's win a couple
Speaker 2: months ago.
Speaker 1: Yeah, I love this thing.
Speaker 2: It's okay, I like it. It feels like I'm drinking
Speaker 2: out of a torpedo. I accidentally got the super big
Speaker 2: one that it's really big. I mean, it's great because
Speaker 2: you get twenty four ounces, but I also feel like
Speaker 2: when I carry it around and talk to people, I'm like,
Speaker 2: it's just part of me. I need to take a
Speaker 2: sip out of my torpedo.
Speaker 1: You're gonna.
Speaker 2: Yeah, it is so big you almost like you can
Speaker 2: like step back. I'm taking a swig. Okay, My wind
Speaker 2: was gonna be It's gonna be the I know we
Speaker 2: talked briefly about the the H and M T shirt
Speaker 2: gate from last week, but I saw today this, so okay,
Speaker 2: if you need to be updated. There was an H
Speaker 2: and M T shirt a picture of a I think
Speaker 2: it was a was he Swiss or Swedish as a
Speaker 2: black boy modeling a sweatshirt that has the cutest monkey
Speaker 2: in the jungle written on it, and somehow H and
Speaker 2: M thought that was cool and then publish it. It
Speaker 2: was not cool. There's all this, but all this obviously
Speaker 2: the media has been reporting on it. But then I saw,
Speaker 2: like in South Africa, people have actually protested and H
Speaker 2: and M is shutting down some of its stores. And
Speaker 2: this is my win for the movement. This is my
Speaker 2: win for the resistance, my win for people standing up
Speaker 2: and not and standing up and then and not being
Speaker 2: not getting fatigued because I've I've read some comments on
Speaker 2: some posts about the H and M shirt, like people saying, what's.
Speaker 1: The big deal?
Speaker 2: Everyone's always making such a big deal about this. It
Speaker 2: happens all the time. Can't we just get over it?
Speaker 2: And the answer is no, you can't get this, can't
Speaker 2: be normal. You know, and it's nice to see people
Speaker 2: who are like standing up for and not letting it
Speaker 2: be normal. So that is my win.
Speaker 1: Yes, so my win, you know what. I feel like
Speaker 1: I'm gonna start doing wins when I don't have like
Speaker 1: big general ones. I'd love to like highlight some dope
Speaker 1: brown ambition esque women that we that we know, you
Speaker 1: know that you guys should know. So this one is
Speaker 1: going to go to Patrise Colors. If you don't know Patrice,
Speaker 1: she is one third of the founders of the Black
Speaker 1: Lives Matter movement. So Patrise actually has a book out
Speaker 1: called When They Call You a Terrorist. It's a memoir
Speaker 1: that she wrote, and it's already doing really well, like
Speaker 1: in pre orders or whatever. I think it actually is.
Speaker 1: By today's the first day that it's on sale. You
Speaker 1: can find it all over Amazon or whatever. But I
Speaker 1: just want to say congratulations Patrese. It's it's kicking. But
Speaker 1: last time I checked, it was like number one on
Speaker 1: some lists on Amazon, which of course that's amazing. And
Speaker 1: you know the thing is, you know, you hear about
Speaker 1: Black Lives Matter matter, and you hear about theirs leaders
Speaker 1: in the movement, but you don't realize just how much
Speaker 1: of their life they give up for the movement. Like
Speaker 1: Patrice has been an activist for a long time, I
Speaker 1: mean high school, she organized things. She's just someone who
Speaker 1: cares deeply for the community and there's a sacrifice that
Speaker 1: comes along with it. I was honored to be able
Speaker 1: to go to Sydney where she on behalf of the
Speaker 1: Black Lives Matter Network received a Sydney the Sydney Peace Prize,
Speaker 1: which is super prestigious, and so she receives it on
Speaker 1: behind of on behalf of Black Lives Matter, and just
Speaker 1: to see all that it takes and like the death threats,
Speaker 1: honestly and the I mean her life is not always
Speaker 1: you know, sometimes her life is put into jeopardy and
Speaker 1: time away from her family. And patricea' is a mom
Speaker 1: and all that she does because she truly believes that
Speaker 1: black lives matter and she puts her life on the
Speaker 1: line to make sure that the world knows that. And
Speaker 1: so I just want to s a win for you, Patrice.
Speaker 1: Congratulations on your dope new memoir. When they call you
Speaker 1: a terrorist, she is one of the funniest, dopest, just
Speaker 1: warmest people that you can ever meet. And I'm fortunate
Speaker 1: in that I know her, but I also know op Open.
Speaker 1: I always get your last name wrong on OPO's Nigerian
Speaker 1: or is she Nigerian? Yes? Opal was also a co
Speaker 1: founder of Black Lives Matter. But I just wanted to
Speaker 1: give Patrice some just a win for your new book
Speaker 1: and for continuing to do the work. You know that
Speaker 1: we haven't. You know, always done the work, and now
Speaker 1: you know this. Hopefully this book will take your work
Speaker 1: to the next level.
Speaker 2: I love it when they call you a terrorist, I'm
Speaker 2: gonna check it out. I just finally finished Jennifer Lewis's
Speaker 2: memoir Amazing, Amazing, best audiobook ever. Go yeah, she's so
Speaker 2: freaking good. It's amazing. It's like going to a one
Speaker 2: woman show in your ears. Okay, Okay, she's saying, she
Speaker 2: just she has the most fascinating life. I love it.
Speaker 2: I'm on a memoir kick. When they call you a terrorist,
Speaker 2: I'm looking at it. Remember when we were gonna do recommendations.
Speaker 1: Yeah, oh yeah, we're like the old lady. We're like, oh.
Speaker 2: Yeah, I'm only bringing it up because I actually have one.
Speaker 2: I'll forget about it when I don't have one. Okay, No,
Speaker 2: the podcast recommendation so I listened to I love story podcasts,
Speaker 2: like you know, telling a story, and I recently discovered
Speaker 2: this Georgia based podcast. So there's two of them. It's
Speaker 2: true crime, and this documentary filmmaker from Georgia decided he
Speaker 2: was going to go back look at some cold cases
Speaker 2: and try and solve these old cases in Georgia. One
Speaker 2: of them, the first one, which came out last year,
Speaker 2: actually resulted in two arrests in this cold case from
Speaker 2: ten years ago. But the newest one, which actually has
Speaker 2: the racial elements, it's covering the murders of several like
Speaker 2: dozens over thirty black boys in Atlanta during the late
Speaker 2: seventies early eighties, and this was like a serial murder
Speaker 2: case that had never been solved. He just launched a
Speaker 2: new podcast, I think last week, and it's called The
Speaker 2: Atlanta Monster, and I highly recommend it because I'm like
Speaker 2: praying that he has the same kind of success that
Speaker 2: he had with the first season's podcast, because he his
Speaker 2: show basically like the attention that he brings to it,
Speaker 2: it digs up all these new revelations and stuff. So
Speaker 2: I'm really excited because if from Atlanta and you were young,
Speaker 2: like in the eighties. You know about this case because
Speaker 2: it like crippled the city. My dad remembers that it
Speaker 2: crippled the city for so long because yeah, literally snatching
Speaker 2: boys off the street, black boys in particular, at a
Speaker 2: time when Atlanta was too busy to hate quote unquote,
Speaker 2: so really really interesting.
Speaker 1: Wow, I love this little podcast that could choo choo.
Speaker 1: You know, we should start putting out a apb out
Speaker 1: for you. Y'all want to fund a podcast? Yep, y'all
Speaker 1: want to be a sponsor, palla.
Speaker 3: Apg.
Speaker 1: We should always put out like a a big at
Speaker 1: the end, just saying so boxers are always welcome as
Speaker 1: long as you're in alignment, holla, because you know, we
Speaker 1: want to keep the podcast going and rolling and we
Speaker 1: just love being in service to you guys. So you know,
Speaker 1: if you know a friend of a friend of a
Speaker 1: friend with a dope company that would be in alignment,
Speaker 1: you know, send us a message at go to brownebish
Speaker 1: and podcast dot com and click ask us anything and
Speaker 1: go out that form and let us know love it.
Speaker 2: Yeah, I always open to sponsors, you guys. Just you
Speaker 2: know on brand, Yes, not your uncle's liquor store.
Speaker 1: Yeah, I was on brand. You listened to long enough
Speaker 1: to know that, like you know, we're Although I love
Speaker 1: belly rings, that might not be a good fit for us.
Speaker 2: The nineties are back, but not that back