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Speaker 1: Hey, hey, hey, and we're back. It is Brown Ambition,

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Speaker 1: Episode eight.

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Speaker 2: Hey, guys, what's up.

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Speaker 1: It's Mandy and it's Tiffany and we're back.

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Speaker 2: Man, hope you guys had a good weekend.

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Speaker 1: Yeah, I hope you did have.

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Speaker 2: It's October.

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Speaker 1: It's fall, Yeah, I mean, I don't know. Honestly. I

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Speaker 1: love the fall for the foliage. And I don't mind

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Speaker 1: a crisp kind of like slightly chilly, but I don't

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Speaker 1: like cold, cold, cold.

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Speaker 2: Well, I guess I can agree with that. This is

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Speaker 2: the time of year. Like our heat went on this

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Speaker 2: weekend at our apartment, and I love the smell of

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Speaker 2: the first heat of winter. Like yeah, I like the

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Speaker 2: way the apartment you can smell it come on. It

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Speaker 2: kind of smells like I don't know what it smells like,

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Speaker 2: probably like chemicals and discussing, but it kind of it's cozy,

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Speaker 2: except for at night it gets so hot.

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Speaker 1: We have radiators.

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Speaker 2: We have an old, old, old building, and the radiators

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Speaker 2: making noises and they hiss. Yeah, and it's so freaking hot,

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Speaker 2: like I'll wake up the middle the night in like

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Speaker 2: a dead sweat. Like I wear less clothes in winter

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Speaker 2: to bed than I do in summertime.

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Speaker 1: Like honestly, I used to. So I used to work

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Speaker 1: in this building, which was a housing building aka the

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Speaker 1: projects in Newark, and so I never heard of project

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Speaker 1: heat before. It's a real thing. So project heat is

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Speaker 1: like it's it's heat and like you know one of

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Speaker 1: those high rise buildings that's controlled by like I guess

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Speaker 1: some sort of main system. So you don't have any

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Speaker 1: control over your heat.

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Speaker 2: Oh I don't have control over money either.

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Speaker 1: Okay, so that project you are.

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Speaker 2: I don't pay project money.

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Speaker 1: No, no, I wish I was so anyway, it is so hot,

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Speaker 1: like literally in the winter time. When I used to

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Speaker 1: teach preschool, so our preschool was in the the bottom

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Speaker 1: of the building. We would have to like open, like

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Speaker 1: in the dead of winter, our like windows and doors

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Speaker 1: because literally I would get sick because the heat was

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Speaker 1: so hot.

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Speaker 2: We crack our windows.

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Speaker 1: You could actually boil like the water that came out

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Speaker 1: of the heater. You could actually boil the.

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Speaker 2: Egg with just straight I d clothes on it.

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Speaker 1: Yeah I do. Oh man, do you have project heat.

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Speaker 2: I'm gonna start calling it that.

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Speaker 1: Yeah, you're getting brown and browner every day.

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Speaker 2: I don't like not having control, but yay. Fall.

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Speaker 1: All that to say, it's fall, It's beautiful. So what

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Speaker 1: do we want to talk about for Buzzworthy.

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Speaker 2: Buzzworthy this week? We have a lot of interesting topics.

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Speaker 2: Do you want to Well, let's start. Let's start with

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Speaker 2: this whole textbook controversy. So obviously, people who win history

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Speaker 2: tend to write history books. Yes, which means that a

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Speaker 2: lot of I'm guessing probably old white men are writing

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Speaker 2: our children's history books. And there's some reaching controversy over

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Speaker 2: a textbook that is in a caption of a photo

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Speaker 2: describing the slave trade, describes slaves as quote unquote workers.

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Speaker 1: Can you imagine? It says something like it's like you see,

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Speaker 1: they're trying to show you kind of like the route

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Speaker 1: that the slaves took by I guess by ship, and

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Speaker 1: the caption says something like, this is the route that

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Speaker 1: they brought over the workers from Africa to America. The workers.

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Speaker 1: Oh oh, did the slaves that they were workers? Did

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Speaker 1: they get workers' wages?

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Speaker 2: They get benefits?

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Speaker 1: I couldn't believe. I mean, it just it's just so

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Speaker 1: infuriating because it's very clear they're trying to rewrite history

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Speaker 1: to make it seem like slavery wasn't that bad. I've

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Speaker 1: heard that a lot from people down south that that's

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Speaker 1: kind of like the notion that it wasn't that bad.

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Speaker 1: And I'm like, oh, so loss of freedom and life

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Speaker 1: and choice and liberty is not that bad.

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Speaker 2: What I love about it is that the chapter, this

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Speaker 2: whole like this, this excerpt from the chapter was called

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Speaker 2: out by one of the kids. It wasn't like the

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Speaker 2: kid's mother saw it and was like, listen, honey, no.

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Speaker 2: This kid so apparently his name is Kobe Burn. He's

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Speaker 2: from Houston, so he was reading the textbook, saw this

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Speaker 2: part and texted his mother. He said with a text message,

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Speaker 2: we was real hard workers, wasn't we.

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Speaker 1: I love sarcasm.

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Speaker 2: Sarcasm obviously yea. And his mother what's her name, Ronny

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Speaker 2: Rone or Ronnie So she's the one who kicked everything off.

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Speaker 2: Once her son texted her, she put up this. She

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Speaker 2: put up a post on Facebook and I think a

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Speaker 2: video too where she calls out the textbook and now

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Speaker 2: the company, yay black Power. The company is renovating revising

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Speaker 2: this page in the book.

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Speaker 1: Which is like, why did we even have to say

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Speaker 1: call it what it is? These were not workers, These

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Speaker 1: were stolen people and they were abused beyond like I mean,

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Speaker 1: even though people will say like, oh well I've actually

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Speaker 1: read somewhere like oh, our slaves were happy and they

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Speaker 1: wanted to be here, Like what does that even mean?

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Speaker 2: Oh, here's the thing. This is why it's really fucked up.

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Speaker 2: They this this is about so the I'm looking at

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Speaker 2: the page of the book. It's it's titled Patterns of Immigration.

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Speaker 2: So when you immigrate to a country, that kind of

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Speaker 2: insinuates that you want to be there. Yes, choice by choice. Yes,

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Speaker 2: So this is Yeah, in that context, it's even crazier

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Speaker 2: that they're calling them like African workers who immigrated to America. Yeah,

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Speaker 2: they weren't shackle them bound and put on slave ships

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Speaker 2: and made to drown at see and die and all

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Speaker 2: this stuff. And mm hmmmmm. This is why we need

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Speaker 2: more diverse textbook authors. Let's make a call for if

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Speaker 2: I don't know, how do you even get a job

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Speaker 2: as a textbook writer?

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Speaker 1: I don't know.

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Speaker 2: That must be the widest job in America, you know

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Speaker 2: what I mean.

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Speaker 1: Somebody's sitting in the audience like right now, like, oh well, yeah,

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Speaker 1: I don't yeah.

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Speaker 2: I don't think until I got to college all my

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Speaker 2: you know, professors have to write books. I don't think

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Speaker 2: I had a textbook written by a black person to college.

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Speaker 2: So yay public education.

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Speaker 1: Yes, and yay Kobe.

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Speaker 2: Oh, I wanted to talk about urban geeks. This isn't

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Speaker 2: what it's called.

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Speaker 1: It's called hood hood nerds.

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Speaker 2: No, okay, yeah, I screwed up, but we'll keep going. Yeah,

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Speaker 2: it's called hood nerds. Wait is that what's really called?

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Speaker 1: It's called hood something.

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Speaker 2: But I told you I didn't like the neighborhood hood

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Speaker 2: Wait where is it at?

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Speaker 1: Yes, it's called hood something, and I was just like,

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Speaker 1: what does it have to be called hood smart?

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Speaker 2: Goods smart? So there's this new reality TV show and listen,

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Speaker 2: this is a let's okay. So this is a huge

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Speaker 2: step forward away from like Kardashians and like people food

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Speaker 2: dating naked and like in the wilderness naked, just stupid

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Speaker 2: reality TV. There's a good just everyone's butt ass naked

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Speaker 2: at all times. There's a new show called hood Smart,

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Speaker 2: the Urban Stemulus Projects. Stem of course is for science, technology, engineering,

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Speaker 2: and math.

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Speaker 1: Okay, got that right? Yep, yay.

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Speaker 2: And this is featuring how are how many black teenagers

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Speaker 2: fifteen teenagers living in house for eight weeks and they

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Speaker 2: are competing in all these STEM related competitions and they

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Speaker 2: this headline says urban kids, which is kind of stupid, but.

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Speaker 1: Code for black black kids.

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Speaker 2: They're from black communities, and it's just nice to see.

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Speaker 2: First of all, we all know that black black men

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Speaker 2: and black women just aren't as prevalent in STEM fields,

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Speaker 2: and so it's nice to it's nice to that all

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Speaker 2: these kids are getting attention.

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Speaker 1: Is there's a push for which is nice. Like they're like,

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Speaker 1: I live in New Jersey and nng i T, which

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Speaker 1: is New Jersey Institute of Technology. They actually have a

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Speaker 1: STEM program like just for girls that starts in fourth

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Speaker 1: grade in the summertime and it's free. So I'm totally

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Speaker 1: going to sign up. Supergirl, who is super Superman. My

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Speaker 1: boyfriend he has a nine year old daughter, so I

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Speaker 1: was like, oh, yes, she just turned nine like two

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Speaker 1: days ago, and I'm like, ooh, Supergirl's totally going to

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Speaker 1: sign up for STEM because I want her to, like,

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Speaker 1: you know, know that she can be good. She's really artistic,

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Speaker 1: you know, but I want her to also know you're

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Speaker 1: really smart and you can do everything, you know.

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Speaker 2: So there's that there's a group called Black Girls Who Code. Yeah,

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Speaker 2: that's also supporting young black and women, women people, women

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Speaker 2: and tech women, folks, women, folks. I think that's exciting,

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Speaker 2: and it's it's great that it's a television show because

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Speaker 2: that's where that's what kids are looking at and when

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Speaker 2: they see kids like themselves exactly doing this and not

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Speaker 2: just like I don't know what other reality TV show

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Speaker 2: like skateboarding or like what is it sixteen and pregnant

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Speaker 2: that's a big teenage show. It's nice to see that

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Speaker 2: example set. So and honestly, we say so often and

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Speaker 2: you hear so many studies, read so many studies about

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Speaker 2: how education is the most important tool to lift you

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Speaker 2: out of poverty, and let's be on minorities are more

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Speaker 2: likely to be poor. Yeah, but it's also what you

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Speaker 2: study that matters, and you have to teach these lessons

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Speaker 2: that like, if you want to get a good career,

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Speaker 2: you have to study a certain thing, a certain thing.

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Speaker 2: And of course I'm speaking from someone who study journalism,

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Speaker 2: which isn't always the most lucrative, but you should study

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Speaker 2: something that's going to get you a living, a livable

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Speaker 2: wage and really help you lift your I.

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Speaker 1: Didn't understand that until my dad told me, like I remember,

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Speaker 1: I wanted to go into school and study psychology or

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Speaker 1: sociology and he was like no, and he was like,

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Speaker 1: that is like the typical brown woman. Like like, I

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Speaker 1: forget what he said. He didn't say it that nice,

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Speaker 1: but basically he was like every black girl does that.

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Speaker 1: And I was like, no, daddy, I'm gonna do it.

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Speaker 1: He was like, okay, then you paid for college. And

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Speaker 1: I was like, okay, daddy, what do you want me

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Speaker 1: to do? And I just remember being so mad at him.

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Speaker 1: And now that I kind of take a step back

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Speaker 1: and I'm older, I see what he meant in a way.

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Speaker 1: He's just basically meant that because I knew I wanted

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Speaker 1: to live a life of service. And he was like,

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Speaker 1: but if you choose certain majors, it puts you and

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Speaker 1: so many of my friends who went to school for sociology,

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Speaker 1: psychology and our social workers are not making enough to

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Speaker 1: contribute exactly. Yeah, And so because I chose, I think

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Speaker 1: I chose like business and marketing something random. But through

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Speaker 1: my business, it's almost like I do social work through

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Speaker 1: my business, So I'm able to still do what I

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Speaker 1: initially intended. But in a way that one is lucrative,

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Speaker 1: and I'm also able to affect way more women than

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Speaker 1: I would have and maybe like a smaller capacity. And

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Speaker 1: not to say you shouldn't go to school for social

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Speaker 1: work or psychology, but that you just have to know

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Speaker 1: that the major you choose really is going to help

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Speaker 1: order your steps for the rest of your life.

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Speaker 2: And that's why it's important too, just real quick to

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Speaker 2: have mentors because I was a first person in my

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Speaker 2: family to go to college, my immediately my immediate family,

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Speaker 2: and I didn't have anyone sitting me down and telling

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Speaker 2: me how to pick a major, like how to plan

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Speaker 2: my career. And I think if I'd had someone to

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Speaker 2: give me that information, I would have been able to

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Speaker 2: use it, you know, and have that knowledge. So I

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Speaker 2: think mentor ship's really important.

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Speaker 1: So it's brown break, Brown Break, what you're gonna do?

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Speaker 1: I like to go low, so I take the hat.

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Speaker 1: I'm the soprano brown. Clearly me and Mandy did not

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Speaker 1: go to school for safe but I sounded really good.

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Speaker 1: Oh yeah, so what are you breaking from? Mandy?

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Speaker 2: My brown break this week is for a collective group

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Speaker 2: of people who have somehow proliferated all these lies about

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Speaker 2: Planned Parenthood. I don't know if you've been watching or

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Speaker 2: paying attention to the news, but there was this anti

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Speaker 2: abortion group which did a sting quote unquote operation and

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Speaker 2: tried to catch Planned PARENTHOED workers admitting that they used

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Speaker 2: fetal tissue and sell it for research purposes. And it

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Speaker 2: was this big hole controversy and it's all led to

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Speaker 2: this huge Republican left sorry right wing conservative movement to

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Speaker 2: defund Planned Parenthood because and this lie that they're spreading

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Speaker 2: is that Planned Parented gives abortions and sells dead babies

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Speaker 2: for science, and that's what they're doing, which is such

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Speaker 2: a total bullshit lie on several fronts. For one thing,

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Speaker 2: federal dollars that Planned Parented gets do not go toward abortions.

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Speaker 2: They cannot. The majority of Planned Parented's work is contraception,

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Speaker 2: and like it says, Planned PARENTHO, a lot of women

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Speaker 2: do and they don't just do abortions. The majority of

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Speaker 2: the work is contraceptive. While women visit some women who

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Speaker 2: can't afford to go to a fancy guy in tocologist.

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Speaker 1: Me in college. That's why I used to go because

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Speaker 1: I was like, I didn't want to tell my mom,

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Speaker 1: I was sexually active.

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Speaker 2: That's why I went for birth control.

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Speaker 1: I iced to go for birth control. I used to

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Speaker 1: go for like just checkups and be like, all right,

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Speaker 1: I'm good. Like if I had like any questions, I

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Speaker 1: would go there. And I didn't come from like my family.

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Speaker 1: You know, we definitely were not well off, but I

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Speaker 1: probably could have afforded something different. But also too, just

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Speaker 1: being young, I was like, I don't want to tell

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Speaker 1: my mom I'm doing it. Wasn't I was a Vergis

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Speaker 1: till I was forty.

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Speaker 2: My mom was like counting on the days?

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Speaker 1: Is it? Yeah?

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Speaker 2: Still not?

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Speaker 1: Okay?

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Speaker 2: Oh? Really is that my foreigner?

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Speaker 1: Is that like a cultural thing a thing?

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Speaker 2: I don't know. I think I was just so chronically single.

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Speaker 2: I think she was just like, come on, Mandy, like

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Speaker 2: get it because something.

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Speaker 1: Oh my parents were like, you should be a virgin

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Speaker 1: it til you get better. That's so funny.

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Speaker 2: But so that's one of the lies. Okay, So let's

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Speaker 2: just dispel that myth. Most of the work they do

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Speaker 2: is not for abortions. The abortions they do do do

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Speaker 2: not use federal dollars, So defunding planned parented will not

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Speaker 2: actually take away from the abortion work they do. This

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Speaker 2: is and so all this call to defund them had

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Speaker 2: led to a congressional hearing and they had the CEO

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Speaker 2: of Planned Parenthood come to Capitol Hill to sit for

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Speaker 2: this hearing. And it's supposed to be a conversation and

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Speaker 2: it's supposed to be truth telling. However, Republicans use this

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Speaker 2: as basically a platform to just things at her and

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Speaker 2: use lies. At one point, this idiot congressman, I'm gonna

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Speaker 2: find his name in a second so I can just

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Speaker 2: call him out. He pulls up this chart and tells

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Speaker 2: cecil Richards this chart is showing that as the rate

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Speaker 2: of abortions that planned parenting goes up, the rate of

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Speaker 2: contraceptions given goes down. And Cecila's this is an excellent clip.

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Speaker 2: I'm gonna put it on our website. Cecilia is saying like,

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Speaker 2: I've never seen this chart before, and then she looks

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Speaker 2: to her left and she's like, actually, my lawyer has

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Speaker 2: just told me this chart was furnished by an anti

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Speaker 2: abortion group. You should check your sources.

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Speaker 1: Wow.

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Speaker 2: And his face is like there because like, how do

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Speaker 2: you and those and you know what, But so many

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Speaker 2: people will have just listened to that and cut off

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Speaker 2: at where he's like that gotcha moment. Yeah, and they

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Speaker 2: wouldn't hear that this is a lie because people just

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Speaker 2: want to hear what they want to believe.

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Speaker 1: Yeah, and that's really what it is people are gonna

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Speaker 1: I had to learn that, like when the whole like

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Speaker 1: Trayvon Martin, all these things were happening, like, you know,

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Speaker 1: because my friends are people who basically have similar belief systems,

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Speaker 1: so it was I felt like, oh, the sentiments kind

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Speaker 1: of the same. And then I would have maybe like

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Speaker 1: a one off friend that wasn't part of my normal

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Speaker 1: social circle and they would tell me what the sentiments

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Speaker 1: were going on in their timeline and I'm like what.

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Speaker 1: But then you realize, like, oh, so like people literally

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Speaker 1: like your timeline and what you're experiencing, what you're seeing

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Speaker 1: really is just a direct reflection of what you want

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Speaker 1: to see and experience. So you curate your life basically,

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Speaker 1: which you know that's just normal, you know, no judgment,

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Speaker 1: but it's just being careful not to get so safe

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Speaker 1: in that life that you've curated, to see that there

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Speaker 1: are other opinions out there that are there are just

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Speaker 1: as valid as yours.

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Speaker 2: That's why it's important to vote, and that's why so

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Speaker 2: many people don't vote, because they especially people like I

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Speaker 2: don't know, I don't know your beliefs, but like I'm

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Speaker 2: pretty moderate and so I'm not extremely conservative. I'm not

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Speaker 2: extremely liberal. So and the people who are winning these

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Speaker 2: elections are the ones, like the Trumps of the world,

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Speaker 2: I mean, Jesus extremely the ones you tap into these

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Speaker 2: like baser instincts, you know, xenophobia and racism, and these

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Speaker 2: can really really extreme left or rightists and leftist groups,

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Speaker 2: and those are the ones who go out and vote

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Speaker 2: because they get so upset by happening. And we need

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Speaker 2: to as moderates. If you're moderate out there, you kind

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Speaker 2: of feel complacent. You need to remember it's so important

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Speaker 2: to vote because look at how Trump's doing in the polls.

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Speaker 1: Yeah. Disgusting. Yeah, don't even get me. We had a

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Speaker 1: brown break on Trump and yet he brought him up.

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Speaker 1: I think Mandy should be in the botry.

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Speaker 2: I can't, but I'm wearing I'm wearing pink today for

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Speaker 2: Planned Parented and there's a hashtag I Stand I Stand

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Speaker 2: with p P which is for planned Parented, and it's

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Speaker 2: just been really great to see there was all these

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Speaker 2: rallies a day of the hearing out and supportive planned parented,

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Speaker 2: and I just we just have to keep spreading these truths,

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Speaker 2: you know, spread the truth when for every post you

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Speaker 2: see on your timeline of people spreading lives about planned

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Speaker 2: parented or issues of abortion, right, you know, go to

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Speaker 2: go to any website fact check dot org and just

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Speaker 2: put some facts up there just to like counter it.

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Speaker 1: Yeah, so my brand, bak is it's not quite as heavy.

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Speaker 2: Are you not gone yet? No? Okay, I feel like

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Speaker 2: I just sucked all the air out of my.

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Speaker 1: Brown break is I want a brown break from blackface?

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Speaker 1: So fair enough? How Halloween is coming up? Tis the

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Speaker 1: season for blackface, Tis the season for this foolishness. So

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Speaker 1: there's always one misinformed gentleman or a young woman.

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Speaker 2: Last year it was Juliane Huff. Yes, and oh well, Pauladine.

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Speaker 2: First of all, she wasn't Halloween. Was it Halloween?

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Speaker 1: I don't know.

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Speaker 2: Did you see where she like dressed up? It wasn't

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Speaker 2: even it was brown face. She dressed up as Lucy

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Speaker 2: and Ricky Ricardo her son was like with dark dark

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Speaker 2: brown ing up.

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Speaker 1: Whatever, Paladine and I have just so many more issues

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Speaker 1: besides the whole I use butter for everything, and I

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Speaker 1: think she's killing people slowly with her recipes and anyway,

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Speaker 1: and her oppressive racism anyway, So black face it's not

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Speaker 1: appropriate ever. People who are not brown, please do not

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Speaker 1: don black face. You don't have to, you don't. I mean,

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Speaker 1: I don't know why people think like every year something

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Speaker 1: comes out, like it'll be a frat house sorority house,

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Speaker 1: and then they'll post a picture of like, you know,

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Speaker 1: black paste on their face and big red lips, and

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Speaker 1: then they get bashed and yet and still every single

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Speaker 1: year some fool will say, you know what I want

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Speaker 1: to do. I want to just be as racist as

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Speaker 1: possible and post a picture of it. And it's gonna

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Speaker 1: be hlleious. It's not. We're gonna drag you. See. The

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Speaker 1: good thing is black Twitter is a real thing. It

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Speaker 1: is vicious.

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Speaker 2: They will please post a picture, yes, please do. They

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Speaker 2: will drag you for days, hours, years, We dare you

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Speaker 2: post a picture.

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Speaker 1: I will take a nap and wake up and black

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Speaker 1: Twitter will still be dragging. Oh god.

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Speaker 2: Yeah, I'm gonna make a prediction. I think that this

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Speaker 2: year's black face no Food is going to be someone

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Speaker 2: dressing up as lover and Cox. Okay, I think that'll

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Speaker 2: be the thing.

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Speaker 1: No, I think it's gonna be a Rachel Dolazar Someone's definitely,

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Speaker 1: But isn't that.

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Speaker 2: See I feel like Rachel so I saw a costume

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Speaker 2: for Rachel Dolozol. She's obviously she's the white woman from

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Speaker 2: who worked for the NAACP, And yeah, was faking as

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Speaker 2: if she was black. And that's like a costume this year.

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Speaker 2: But I feel like, if you want to black, if

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Speaker 2: you've ever thought about doing like a brown face black

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Speaker 2: face costume, this is your chance because you can. Like

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Speaker 2: that's the whole point is that she was like.

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Speaker 1: Listen to man, if you want to I'm telling you,

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Speaker 1: many don't get you drags.

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Speaker 2: But like I mean, if you're a white woman you

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Speaker 2: want to do Rachel Doles, I'll just put like some

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Speaker 2: bronzer on. I think that's I think that's accurate. Okay,

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Speaker 2: I don't think that's okay.

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Speaker 1: I mean, like I mean, but I always feel like

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Speaker 1: people just don't know how far to take it, so

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Speaker 1: it's just best to err on the side of caution. Okay, maybe,

404
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Speaker 1: don't you know, if you look in the mirror, you

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Speaker 1: think yourself. I might get dragged for this turn around

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Speaker 1: and say, Mandy, no, now, I mean, like I said,

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Speaker 1: you might do Rachel Dolazar without you know, going too

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Speaker 1: far with it, because I mean, I think, honestly, that's

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Speaker 1: a funny castule h.

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Speaker 2: So did you see SNL past SNL? They did? They

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Speaker 2: did an amazing Rachel Doles Vanessa Bear. Okay, I love

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Speaker 2: she's the redhead. She also does the funny Jewish kid

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Speaker 2: bought Mitzvah dude whatever his name is. So, but she

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Speaker 2: did not do brown face now that I remember it,

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Speaker 2: But she had curly black hair. Just reference her if

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Speaker 2: you want to do a tasteful Rachel Dola's just.

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Speaker 1: And honestly, remember you told me that Ellen did Nicki

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Speaker 1: Minaj right, and she didn't put on black face a bron,

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Speaker 1: It's possible we'll know who you are. Well no, well no,

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Speaker 1: you don't have to, don you know, black lacquer on

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Speaker 1: your face and think that that's funny.

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Speaker 2: Anyway, that was like a brown break slash tip.

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Speaker 1: Yeah. Ooh, speaking of tips, is it time for tips? Tips? Tips?

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Speaker 2: Are we gonna do tips first or wins? No?

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Speaker 1: I like to end with winds.

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Speaker 2: Okay, Yeah, let's start with tips. So this week, this

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Speaker 2: is a topic that will never get old. Yeah, you

428
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Speaker 2: can never you can never answer enough questions or say

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Speaker 2: the same things enough times. But people always want to

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Speaker 2: know how do I improve my credits for So.

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Speaker 1: We're me and many are going to give you a

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Speaker 1: few tips to the pizza. We'll go back and forth.

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Speaker 2: I have I have some very just it's like logistical.

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Speaker 2: You can find this. This is a pie chart that

435
00:20:03,119 --> 00:20:05,199
Speaker 2: I turn to every time someone asked me about their

436
00:20:05,240 --> 00:20:08,159
Speaker 2: credit score. It's on myfiico dot com. There is a

437
00:20:08,200 --> 00:20:10,320
Speaker 2: pie chart it It shows you exactly what goes into

438
00:20:10,320 --> 00:20:13,280
Speaker 2: your credit score. And the most important thing, which people

439
00:20:13,320 --> 00:20:16,119
Speaker 2: take for granted is on time payments. That is thirty

440
00:20:16,240 --> 00:20:19,080
Speaker 2: five percent of your fight go score. So if your

441
00:20:19,119 --> 00:20:21,640
Speaker 2: score is lowered if you've missed a payment, the most

442
00:20:21,640 --> 00:20:24,000
Speaker 2: important thing you can do is if the payment is

443
00:20:24,080 --> 00:20:26,800
Speaker 2: missed an error, like if you actually didn't make miss

444
00:20:26,800 --> 00:20:28,760
Speaker 2: a payment, you have to get the taken off your

445
00:20:28,760 --> 00:20:32,800
Speaker 2: credit report. So go file a dispute at all three

446
00:20:32,840 --> 00:20:35,639
Speaker 2: credit bureaus. It sucks, but you have to do it

447
00:20:35,640 --> 00:20:38,199
Speaker 2: at every single one. Get that taken off your report.

448
00:20:38,240 --> 00:20:39,680
Speaker 2: I guarantee your score will go.

449
00:20:39,680 --> 00:20:41,159
Speaker 1: Up and don't dispute online.

450
00:20:41,440 --> 00:20:43,320
Speaker 2: Don't dispute online. I found that online, So.

451
00:20:43,240 --> 00:20:44,960
Speaker 1: You have to be careful. So I found out from

452
00:20:44,960 --> 00:20:46,359
Speaker 1: a friend of mine who's like, I don't know, he

453
00:20:46,400 --> 00:20:49,520
Speaker 1: does like credit stuff for a living, right, and he

454
00:20:49,640 --> 00:20:53,280
Speaker 1: says that disputing online it's very tricky because sometimes it's

455
00:20:53,280 --> 00:20:54,720
Speaker 1: just like you know, I like they have that little

456
00:20:54,760 --> 00:20:59,080
Speaker 1: like waiver box, and sometimes there's like the wording by

457
00:20:59,119 --> 00:21:02,119
Speaker 1: that little waiver box. It's basically that you cannot redispute

458
00:21:02,280 --> 00:21:05,200
Speaker 1: that basically by checking this box and disputing online. It's

459
00:21:05,200 --> 00:21:06,760
Speaker 1: not for all of them. It'll say something like you

460
00:21:06,800 --> 00:21:10,040
Speaker 1: know that you are agreeing to whatever the decision is made.

461
00:21:10,200 --> 00:21:12,280
Speaker 1: So you want to be careful about disputing online because

462
00:21:12,280 --> 00:21:13,760
Speaker 1: you don't want to wave away your rights and say

463
00:21:13,880 --> 00:21:16,119
Speaker 1: because you like, let's just say they're like Mandy, you

464
00:21:16,160 --> 00:21:18,560
Speaker 1: were late, and Mandy says, no, I wasn't, and she

465
00:21:18,640 --> 00:21:20,719
Speaker 1: writes a letter or facts is a letter, and so

466
00:21:20,720 --> 00:21:23,520
Speaker 1: Mandy can redispute and say no, I was not. But

467
00:21:23,560 --> 00:21:25,760
Speaker 1: if she clicks that box by a mistake or fails

468
00:21:25,760 --> 00:21:29,280
Speaker 1: to read the fine print and it's there, then it's like, well, technically, Mandy,

469
00:21:29,359 --> 00:21:32,160
Speaker 1: you've already waved away your right. So no, you were late.

470
00:21:32,280 --> 00:21:32,840
Speaker 2: Yeah, I know that.

471
00:21:33,000 --> 00:21:35,359
Speaker 1: So just one Yeah, just be careful about disputing online.

472
00:21:35,520 --> 00:21:39,440
Speaker 2: I guess, use your judgment. Yeah, I've successfully disputed stuff.

473
00:21:39,480 --> 00:21:41,080
Speaker 2: I would say, just make sure that you're in the right.

474
00:21:41,119 --> 00:21:43,040
Speaker 2: I mean, if it's like, if you feel like this

475
00:21:43,160 --> 00:21:44,639
Speaker 2: is absolutely it's going to be hard for them to

476
00:21:44,680 --> 00:21:47,119
Speaker 2: prove this is clearly an error and go ahead and

477
00:21:47,119 --> 00:21:52,720
Speaker 2: dispute online. It's easier. It sucks to I mean, yeah, anyway, I'm.

478
00:21:52,520 --> 00:21:54,520
Speaker 1: Not going to So thirty percent of your score. So

479
00:21:54,560 --> 00:21:56,960
Speaker 1: thirty five is like on time payments and thirty percent.

480
00:21:57,000 --> 00:21:58,679
Speaker 1: So to me, this is like the hidden little secret

481
00:21:58,760 --> 00:22:02,680
Speaker 1: that people don't tell you. It's like your utilization. That's

482
00:22:02,720 --> 00:22:03,960
Speaker 1: like the big buzzword right now.

483
00:22:04,040 --> 00:22:07,159
Speaker 2: Yeah, so describe utilization. I feel like people don't get it.

484
00:22:07,200 --> 00:22:10,560
Speaker 1: So utilization basically is how much of the credit that

485
00:22:10,640 --> 00:22:13,080
Speaker 1: it has been extended to you are you actually using,

486
00:22:13,160 --> 00:22:15,720
Speaker 1: Meaning like you have a credit card, it's one hundred

487
00:22:15,720 --> 00:22:19,560
Speaker 1: dollars a limit, and you're using fifty dollars of the

488
00:22:19,560 --> 00:22:22,000
Speaker 1: one hundred dollars that has been extended, So your utilization

489
00:22:22,240 --> 00:22:24,119
Speaker 1: is fifty percent, which is too high.

490
00:22:24,840 --> 00:22:27,640
Speaker 2: The magic number for utilization is thirty percent or less

491
00:22:27,680 --> 00:22:29,840
Speaker 2: I've read, although I always say ten percent or less

492
00:22:29,920 --> 00:22:30,280
Speaker 2: just to be.

493
00:22:30,240 --> 00:22:33,399
Speaker 1: Safe, ten percent is like really ideal. Thirty You should

494
00:22:33,400 --> 00:22:36,399
Speaker 1: consider thirty your max. That's totally. A credit person told me.

495
00:22:36,440 --> 00:22:38,280
Speaker 1: They were like, thirty is your max. So if you

496
00:22:38,280 --> 00:22:40,679
Speaker 1: have one hundred dollars limit, then you should not be

497
00:22:40,680 --> 00:22:43,040
Speaker 1: swiping more than thirty dollars at a time. Should be

498
00:22:43,320 --> 00:22:44,680
Speaker 1: like that you should have on that card.

499
00:22:44,840 --> 00:22:47,600
Speaker 2: Well, basically, you take up all the credit cards, you have,

500
00:22:47,960 --> 00:22:50,000
Speaker 2: all the available limits. Let's say it adds up to

501
00:22:50,000 --> 00:22:52,440
Speaker 2: ten thousand. That means across all your cards, you should

502
00:22:52,440 --> 00:22:54,920
Speaker 2: have less than three thousand dollars. That's the basic way

503
00:22:54,920 --> 00:22:57,160
Speaker 2: of explaining it. I just I told my little brother,

504
00:22:57,200 --> 00:22:59,399
Speaker 2: he recently got his first one of his first credit cards.

505
00:22:59,440 --> 00:23:02,399
Speaker 2: I said, your limit is a fake. You need to

506
00:23:02,440 --> 00:23:04,760
Speaker 2: tell yourself your limit is thirty percent of whatever the.

507
00:23:04,720 --> 00:23:06,879
Speaker 1: Actual That's actually a really good way to think about it.

508
00:23:06,920 --> 00:23:09,119
Speaker 2: That's what I do for myself, and so that's a

509
00:23:09,160 --> 00:23:12,080
Speaker 2: really important thing to do. What's some more, Oh, one

510
00:23:12,080 --> 00:23:13,560
Speaker 2: of my friends, this is a myth. I don't know

511
00:23:13,600 --> 00:23:15,760
Speaker 2: how this myth keeps going on and on, but I

512
00:23:15,800 --> 00:23:18,439
Speaker 2: hear this again and again. My friend got it. He

513
00:23:18,480 --> 00:23:20,240
Speaker 2: had pretty bad credit and then he got a proved

514
00:23:20,240 --> 00:23:21,960
Speaker 2: for a credit card. He's like, oh, manday, you gotta prove.

515
00:23:22,000 --> 00:23:24,520
Speaker 2: It's a two thousand dollars limit. It's awesome. I've already

516
00:23:24,680 --> 00:23:25,920
Speaker 2: charged sixteen hundred dollars.

517
00:23:26,040 --> 00:23:27,000
Speaker 1: Isn't that great?

518
00:23:27,240 --> 00:23:29,440
Speaker 2: I'm like, why is that a good thing? You're way

519
00:23:29,680 --> 00:23:31,680
Speaker 2: almost maxed out. You're like, oh, but isn't it good

520
00:23:31,720 --> 00:23:32,840
Speaker 2: to keep charging?

521
00:23:33,040 --> 00:23:36,359
Speaker 1: No, you know who's selling that live We know credit

522
00:23:36,400 --> 00:23:36,959
Speaker 1: card company.

523
00:23:37,080 --> 00:23:40,560
Speaker 2: Yes, yes, well they're especially with us. I hate these

524
00:23:40,560 --> 00:23:43,040
Speaker 2: offers unless you okay, so this is a good thing

525
00:23:43,040 --> 00:23:45,480
Speaker 2: and a bad thing. These like bonus if you spend

526
00:23:45,520 --> 00:23:48,600
Speaker 2: four thousand dollars, we'll give you one hundred dollars free. Like,

527
00:23:48,720 --> 00:23:51,000
Speaker 2: but you have to spend four thousand dollars, well, I

528
00:23:51,040 --> 00:23:53,679
Speaker 2: guess the more realistic example is like spend five hundred

529
00:23:53,680 --> 00:23:56,119
Speaker 2: and get fifty bucks free or something like that. Unless

530
00:23:56,160 --> 00:23:57,600
Speaker 2: you have that money and you can pay it off

531
00:23:57,680 --> 00:24:00,000
Speaker 2: right away, Yep, it's not worth it. Don't do it

532
00:24:00,000 --> 00:24:02,440
Speaker 2: because all you're gonna end up doing is carrying a balance.

533
00:24:02,119 --> 00:24:04,040
Speaker 1: And that interest that fifty dollars you're gonna have to

534
00:24:04,040 --> 00:24:04,879
Speaker 1: pay an interest anyway.

535
00:24:05,040 --> 00:24:07,960
Speaker 2: Yes, So that do not do not charge more than

536
00:24:07,960 --> 00:24:09,600
Speaker 2: you can afford to pay off every month.

537
00:24:09,440 --> 00:24:12,160
Speaker 1: Every month, And honestly, that's the magic make your credit

538
00:24:12,160 --> 00:24:14,040
Speaker 1: score jump. Like Jordan trick that if you can pay

539
00:24:14,080 --> 00:24:16,600
Speaker 1: off your credit card every month in full, it doesn't

540
00:24:16,640 --> 00:24:18,600
Speaker 1: matter if it's eight dollars. People don't realize it's not

541
00:24:18,600 --> 00:24:21,240
Speaker 1: about the amount, it's the habit that they're really recording.

542
00:24:21,440 --> 00:24:23,080
Speaker 1: So it can be eight thousand dollars a month, it

543
00:24:23,080 --> 00:24:25,080
Speaker 1: could be eight dollars a month, but it really helps

544
00:24:25,080 --> 00:24:26,320
Speaker 1: to strengthen your credit score.

545
00:24:26,680 --> 00:24:28,320
Speaker 2: If you want to strengthen your credit and this is

546
00:24:28,320 --> 00:24:30,440
Speaker 2: what a lot of actually parents will do for their kids.

547
00:24:30,520 --> 00:24:32,040
Speaker 2: Then your dad do this. They open up a credit

548
00:24:32,119 --> 00:24:34,359
Speaker 2: card for you and just charge one small bill and

549
00:24:34,359 --> 00:24:35,560
Speaker 2: then you pay it off every month. And that's a

550
00:24:35,600 --> 00:24:37,480
Speaker 2: good way to And if you have a if you

551
00:24:37,480 --> 00:24:39,200
Speaker 2: have a credit card that it's old, it's when of

552
00:24:39,200 --> 00:24:41,560
Speaker 2: your older credit cards, and it's good to have old

553
00:24:41,560 --> 00:24:43,679
Speaker 2: credit cards on your account and you want to keep

554
00:24:43,680 --> 00:24:45,960
Speaker 2: it active, just you know, charge your light bill or

555
00:24:46,000 --> 00:24:47,600
Speaker 2: your seamless.

556
00:24:47,200 --> 00:24:49,960
Speaker 1: I would say, like Netflix, you know right, so like

557
00:24:50,040 --> 00:24:52,440
Speaker 1: and then automate it, like leave that card home. Netflix

558
00:24:52,520 --> 00:24:55,000
Speaker 1: charges eight dollars a month and have your your bank

559
00:24:55,000 --> 00:24:58,080
Speaker 1: account pay off eight thousand months, like an automated circle

560
00:24:58,160 --> 00:24:59,720
Speaker 1: that you're not even a power of, and that card

561
00:24:59,720 --> 00:25:02,719
Speaker 1: just stay home. Or like what a lot of parents do,

562
00:25:02,760 --> 00:25:04,479
Speaker 1: which is smart too, is that you can add your

563
00:25:04,520 --> 00:25:06,639
Speaker 1: kid on as an authorized user and not give them

564
00:25:06,680 --> 00:25:09,720
Speaker 1: a card, so you can inherit the good behavior from

565
00:25:09,720 --> 00:25:12,080
Speaker 1: that card. Right, So that's another thing that a lot

566
00:25:12,119 --> 00:25:13,760
Speaker 1: of parents are like, Oh, you're going off the college,

567
00:25:13,840 --> 00:25:16,359
Speaker 1: no card for you, but I will definitely start to

568
00:25:16,359 --> 00:25:18,399
Speaker 1: grow your credit score as you're away at school, so

569
00:25:18,480 --> 00:25:21,159
Speaker 1: that way, when you finish school, you actually have you know,

570
00:25:21,280 --> 00:25:24,480
Speaker 1: a decent amount of credit history and a strong enough

571
00:25:24,480 --> 00:25:25,879
Speaker 1: score so you can move out.

572
00:25:26,080 --> 00:25:28,760
Speaker 2: So I'm looking at this FICO score chart, and again

573
00:25:28,800 --> 00:25:30,720
Speaker 2: the FIGHTO score is the one that all of the

574
00:25:30,840 --> 00:25:34,320
Speaker 2: lenders mostly use. There's these websites that are awesome where

575
00:25:34,359 --> 00:25:35,960
Speaker 2: you can track your credit score and get your credit

576
00:25:36,000 --> 00:25:40,160
Speaker 2: report for free, Credit Karma, credit dot Com, credit sessame Quizzle.

577
00:25:40,359 --> 00:25:42,439
Speaker 2: These are great websites to monitor your credit. But your

578
00:25:42,440 --> 00:25:44,760
Speaker 2: FIGHTO score is what people are really looking out. So

579
00:25:45,000 --> 00:25:46,400
Speaker 2: I'm looking at it right now. And like we said,

580
00:25:46,400 --> 00:25:48,840
Speaker 2: payment history, that's your number of on time payments. That's

581
00:25:48,840 --> 00:25:51,040
Speaker 2: thirty five percent of your score. The next one is

582
00:25:51,080 --> 00:25:53,680
Speaker 2: how much you owe. We've talked about ut utilization, so

583
00:25:53,720 --> 00:25:55,520
Speaker 2: that's thirty percent of your score. And right there that's

584
00:25:55,560 --> 00:25:57,800
Speaker 2: sixty five percent of your score. If you pay on

585
00:25:57,880 --> 00:26:00,800
Speaker 2: time and keep your balances below thirty percent of how

586
00:26:00,880 --> 00:26:03,240
Speaker 2: much you can actually charge, you're already golden.

587
00:26:03,359 --> 00:26:03,600
Speaker 1: Yep.

588
00:26:03,840 --> 00:26:05,960
Speaker 2: After that, it's little things. It's the mix of credit

589
00:26:06,040 --> 00:26:08,720
Speaker 2: you have that means not just having like having all

590
00:26:08,760 --> 00:26:11,000
Speaker 2: credit cards, like especially having a bunch of like store

591
00:26:11,000 --> 00:26:12,239
Speaker 2: credit cards does not look good.

592
00:26:12,359 --> 00:26:13,760
Speaker 1: Does not look good. They like to see, like it's

593
00:26:13,800 --> 00:26:15,679
Speaker 1: almost like they like to see, Oh, she's got experience.

594
00:26:15,720 --> 00:26:18,080
Speaker 1: She's got a mortgage and a credit card and a

595
00:26:18,080 --> 00:26:20,720
Speaker 1: student loan, so like she's like someone who has experienced

596
00:26:20,720 --> 00:26:23,119
Speaker 1: in different types of blending and borrowering and autoly.

597
00:26:23,160 --> 00:26:26,680
Speaker 2: Yeah, like it exactly perfectly said. Next is length of

598
00:26:26,720 --> 00:26:29,199
Speaker 2: credit history. This is fifteen percent. And we just we

599
00:26:29,280 --> 00:26:32,360
Speaker 2: mentioned that that's how old your credit is. I have

600
00:26:32,520 --> 00:26:34,919
Speaker 2: a credit card that has a really stinking high interest

601
00:26:35,000 --> 00:26:38,080
Speaker 2: rate from Bank of America that I got too, A

602
00:26:38,240 --> 00:26:41,320
Speaker 2: got you too. Yes, they came to my college campus. Yes,

603
00:26:42,160 --> 00:26:44,399
Speaker 2: and I fell hook line and sinker. It's like I

604
00:26:44,440 --> 00:26:46,359
Speaker 2: don't know. It was a three hundred dollars limit when

605
00:26:46,359 --> 00:26:48,080
Speaker 2: I first got it, and I would max that baby

606
00:26:48,119 --> 00:26:50,520
Speaker 2: out every like I don't know it was. I was

607
00:26:50,560 --> 00:26:52,560
Speaker 2: constantly like paying off ten dollars and then charge in

608
00:26:52,640 --> 00:26:54,600
Speaker 2: like lunch, and then just keeping it at three hundred.

609
00:26:54,960 --> 00:26:57,080
Speaker 2: But so I paid it off, finally got my act

610
00:26:57,119 --> 00:26:59,480
Speaker 2: together and I just charge. I charge like one thing

611
00:26:59,520 --> 00:27:02,439
Speaker 2: everyone my gym membership, I think on that card, and

612
00:27:02,560 --> 00:27:06,480
Speaker 2: you don't want to cancel. The only reason I tell people, yeah,

613
00:27:06,480 --> 00:27:08,640
Speaker 2: it's okay to cancel an older account is if there's

614
00:27:08,680 --> 00:27:10,520
Speaker 2: a crazy high annual fee annual feed.

615
00:27:10,560 --> 00:27:12,000
Speaker 1: You don't want to have to pay an annual fee.

616
00:27:12,040 --> 00:27:14,240
Speaker 1: But keeping that old credit card open will really help

617
00:27:14,280 --> 00:27:16,639
Speaker 1: you with length of credit history, cause basically it's like

618
00:27:17,400 --> 00:27:19,159
Speaker 1: that they don't want to if you are a new

619
00:27:19,200 --> 00:27:21,040
Speaker 1: bar it's like being a new driver. A new driver

620
00:27:21,119 --> 00:27:23,480
Speaker 1: is a bad driver because you don't have experience, you know,

621
00:27:23,800 --> 00:27:25,520
Speaker 1: and so you don't want to say, like, you know.

622
00:27:25,520 --> 00:27:27,359
Speaker 1: It's the difference between saying, oh, I got my license

623
00:27:27,440 --> 00:27:29,560
Speaker 1: yesterday and I've never been an accident. It's different from

624
00:27:29,600 --> 00:27:31,640
Speaker 1: saying I got my license ten years ago and I'd

625
00:27:31,680 --> 00:27:34,880
Speaker 1: never been an accident exactly, So keep your keep basically

626
00:27:34,880 --> 00:27:38,119
Speaker 1: your experience on the books precisely.

627
00:27:38,600 --> 00:27:40,199
Speaker 2: And last but not at least ten percent of your

628
00:27:40,200 --> 00:27:42,879
Speaker 2: score is how much new credit you take out. Yes,

629
00:27:43,200 --> 00:27:46,840
Speaker 2: they're called they're called hard inquiries. Whenever you go to

630
00:27:46,880 --> 00:27:48,320
Speaker 2: a store, go to the Gap, and they're like, do

631
00:27:48,320 --> 00:27:50,040
Speaker 2: you want to get a Gap card? And then what

632
00:27:50,080 --> 00:27:51,080
Speaker 2: you're really saying.

633
00:27:50,960 --> 00:27:52,920
Speaker 1: Is you want to you want to lose some points

634
00:27:53,240 --> 00:27:56,119
Speaker 1: right quick. Yeah, you know you can lose up to

635
00:27:56,160 --> 00:27:57,040
Speaker 1: like thirty points.

636
00:27:57,240 --> 00:27:58,440
Speaker 2: Really, I believe it.

637
00:27:58,240 --> 00:28:01,200
Speaker 1: But it depends if you keep getting repeat like store cards,

638
00:28:01,240 --> 00:28:02,760
Speaker 1: like up to third that's really once.

639
00:28:02,920 --> 00:28:05,119
Speaker 2: I mean if you can manage it. Honestly, if you

640
00:28:05,119 --> 00:28:06,600
Speaker 2: shop at the Gap you have kids and you know

641
00:28:06,600 --> 00:28:08,520
Speaker 2: you're gonna at the Gap or wherever Old Navy for

642
00:28:08,600 --> 00:28:10,800
Speaker 2: their clothes and you need that discount and you can

643
00:28:10,840 --> 00:28:13,600
Speaker 2: manage it, then okay, but don't go and get three

644
00:28:13,680 --> 00:28:15,199
Speaker 2: more story, don't go to them all and like from

645
00:28:15,240 --> 00:28:18,359
Speaker 2: ever get a Forever twenty one card or yeah, my sister,

646
00:28:18,640 --> 00:28:20,360
Speaker 2: I'm not gonna call her out anyway whatever to keep

647
00:28:20,400 --> 00:28:27,520
Speaker 2: over that. You know, she's getting married. I can't, I can't.

648
00:28:27,640 --> 00:28:29,280
Speaker 2: I can't call her out like that. But lots of

649
00:28:29,320 --> 00:28:31,280
Speaker 2: people get at store credit cards and they get you

650
00:28:31,280 --> 00:28:34,040
Speaker 2: with that, with that, you know, twenty percent off today,

651
00:28:34,440 --> 00:28:36,800
Speaker 2: but then they're gonna charge you twenty percent interest. I

652
00:28:36,840 --> 00:28:39,360
Speaker 2: mean as a minimum and a minimum minimum.

653
00:28:39,360 --> 00:28:41,360
Speaker 1: Store cards are typically like what twenty five.

654
00:28:41,320 --> 00:28:43,560
Speaker 2: Mike Cole's credit card is twenty three percent? Well, I

655
00:28:43,560 --> 00:28:44,240
Speaker 2: have great credit.

656
00:28:44,480 --> 00:28:45,000
Speaker 1: That's crazy.

657
00:28:45,000 --> 00:28:46,560
Speaker 2: They won't lower it. I called them to ask them

658
00:28:46,560 --> 00:28:47,320
Speaker 2: to lower it. They don't.

659
00:28:47,360 --> 00:28:50,840
Speaker 1: Love that's what store cards make their money off of it. Honestly,

660
00:28:50,920 --> 00:28:52,719
Speaker 1: it just doesn't make sense. If you can't buy the shirt, now,

661
00:28:52,760 --> 00:28:55,360
Speaker 1: don't get the shirt. And the good thing is they

662
00:28:55,360 --> 00:28:57,719
Speaker 1: have really brought back lay away. Remember lay away. My

663
00:28:57,720 --> 00:29:00,640
Speaker 1: mother used to lay away some kids. My mom and

664
00:29:00,720 --> 00:29:02,880
Speaker 1: dad had five kids, so I mean layaway was like

665
00:29:02,920 --> 00:29:05,400
Speaker 1: the jam, right, and so I just remember like sometimes

666
00:29:05,400 --> 00:29:07,880
Speaker 1: going with her to Bradley's that was Target before Target

667
00:29:07,880 --> 00:29:10,080
Speaker 1: for you youngins out there, and we would go to

668
00:29:10,080 --> 00:29:12,440
Speaker 1: Bradley's sometimes literally just to put some money down, Like,

669
00:29:12,440 --> 00:29:14,520
Speaker 1: oh baby, I go to go to Bradley's real quick,

670
00:29:14,520 --> 00:29:15,840
Speaker 1: put some money down on your school clothes?

671
00:29:18,200 --> 00:29:21,480
Speaker 2: Yeah, Walmart, so a Kmart, Yes, sometimes there's some fees,

672
00:29:21,560 --> 00:29:24,400
Speaker 2: I feel like, so always check the fine print, but.

673
00:29:24,320 --> 00:29:26,160
Speaker 1: I believe like Kmart's layway, I don't think they there

674
00:29:26,160 --> 00:29:28,040
Speaker 1: are any fees, which is awesome compair of them.

675
00:29:28,120 --> 00:29:30,640
Speaker 2: Yeah, there's always good sites you can compare layaways for.

676
00:29:31,480 --> 00:29:34,560
Speaker 2: So that's the bulk of credit tips. I know you

677
00:29:34,560 --> 00:29:36,920
Speaker 2: guys probably have some weird credit questions we haven't even

678
00:29:36,920 --> 00:29:40,680
Speaker 2: gotten into, like balance transfers or debt consolidation. What to

679
00:29:40,720 --> 00:29:43,080
Speaker 2: do if like your boyfriend's credit sucks and you guys

680
00:29:43,080 --> 00:29:45,080
Speaker 2: are moving in together. We'd love to you know, if

681
00:29:45,080 --> 00:29:48,080
Speaker 2: you guys have questions, email us at Brown Ambition Podcast

682
00:29:48,080 --> 00:29:49,480
Speaker 2: at gmail dot com.

683
00:29:49,280 --> 00:29:52,560
Speaker 1: Or tweet us at at the BA podcast.

684
00:29:52,720 --> 00:29:55,440
Speaker 2: We should have them written on cards because like always pause.

685
00:29:56,440 --> 00:29:58,480
Speaker 1: And on Facebook, Brad Ambition.

686
00:29:58,880 --> 00:30:01,560
Speaker 2: Yeah, join the Facebook group. We post way more than

687
00:30:01,600 --> 00:30:04,080
Speaker 2: what we talk about on the air on the Facebook group.

688
00:30:04,080 --> 00:30:06,720
Speaker 2: It's it's becoming a really fun place to share and

689
00:30:06,760 --> 00:30:08,200
Speaker 2: like get involved in what we talk about.

690
00:30:17,640 --> 00:30:19,440
Speaker 1: Yeah, so that was good.

691
00:30:19,440 --> 00:30:22,760
Speaker 2: I like those tips tips done? Moving on to winds

692
00:30:22,920 --> 00:30:25,640
Speaker 2: of the week. Yes, so are ending on a high

693
00:30:25,720 --> 00:30:26,120
Speaker 2: note here?

694
00:30:26,280 --> 00:30:29,959
Speaker 1: Yes? So I really want to shout out my girl,

695
00:30:30,320 --> 00:30:31,560
Speaker 1: my buddy.

696
00:30:31,320 --> 00:30:34,280
Speaker 2: Mine too, mine too, her ears first.

697
00:30:34,240 --> 00:30:39,800
Speaker 1: Right, Marcia Marcia Marcia Marcia Horton Barnes, You lady are amazing.

698
00:30:40,200 --> 00:30:43,840
Speaker 1: You is smart, You is intelligent. No, honestly, Marshall. So,

699
00:30:43,880 --> 00:30:46,880
Speaker 1: Marcia is a friend of Manny's and eyes and she

700
00:30:47,040 --> 00:30:52,000
Speaker 1: started this amazing initiative called the Finance Bar, which is

701
00:30:52,000 --> 00:30:54,480
Speaker 1: a mobile hub. She took a school bus and she

702
00:30:54,600 --> 00:30:59,160
Speaker 1: renovated it and it's so cute and she basically drives

703
00:30:59,200 --> 00:31:03,959
Speaker 1: around Charlotte and surrounding areas and brings financial education to schools.

704
00:31:04,560 --> 00:31:07,520
Speaker 1: I think she has done homeless shelters and basically the

705
00:31:07,520 --> 00:31:11,600
Speaker 1: places that people would normally not get financial education. And

706
00:31:11,680 --> 00:31:13,360
Speaker 1: if you've ever met Marcia, she is just like the

707
00:31:13,400 --> 00:31:18,080
Speaker 1: sweetest and just the dopest and just to see her

708
00:31:18,080 --> 00:31:20,400
Speaker 1: get her recognition. So she was on the front page

709
00:31:20,400 --> 00:31:22,840
Speaker 1: of Yahoo Finance not too long ago thanks to Mandy.

710
00:31:23,080 --> 00:31:24,520
Speaker 2: Yeah, you guys should go che If you want to

711
00:31:24,520 --> 00:31:26,960
Speaker 2: see the bus, go check out my story on Yahoo Finance.

712
00:31:27,120 --> 00:31:29,600
Speaker 2: Finance at Yahoo dot com or just google it or sorry,

713
00:31:29,680 --> 00:31:32,560
Speaker 2: Yahoo search it. Marcia Buns Barns up. Could you have

714
00:31:32,720 --> 00:31:34,600
Speaker 2: you did a whole video interview with her and you

715
00:31:34,600 --> 00:31:36,640
Speaker 2: get to see the entire interior of the bus.

716
00:31:36,520 --> 00:31:39,000
Speaker 1: It's so cute, cute, So we all for fin Con.

717
00:31:39,160 --> 00:31:41,360
Speaker 1: For those of you who remember us talking about Fincann,

718
00:31:41,360 --> 00:31:45,200
Speaker 1: they're like Finn again the Financial Blockers. So we all

719
00:31:45,240 --> 00:31:48,520
Speaker 1: wakes ago. So we all went down to Fincann and

720
00:31:48,600 --> 00:31:50,760
Speaker 1: Charlotte and Marsha's and Charlotte, so we all kind of

721
00:31:50,800 --> 00:31:53,280
Speaker 1: went took pictures by the bus. It's just even better

722
00:31:53,320 --> 00:31:56,480
Speaker 1: in person. And honestly, she's just such a dope, cool,

723
00:31:57,080 --> 00:31:59,680
Speaker 1: chill chick. And I just want to say congratulations Marsha

724
00:31:59,560 --> 00:32:02,480
Speaker 1: because remember so I met Marshall maybe like two years ago.

725
00:32:02,560 --> 00:32:04,280
Speaker 1: She reached out to me on social media. It was like, oh,

726
00:32:04,280 --> 00:32:05,800
Speaker 1: I love what you're doing, dope chick. And I'm like,

727
00:32:05,840 --> 00:32:08,160
Speaker 1: well you too, dope check and she's like, we should

728
00:32:08,160 --> 00:32:10,400
Speaker 1: form a group. And so we formed a super group

729
00:32:10,480 --> 00:32:13,480
Speaker 1: called the Frugal Fab Five. It was five brown girls

730
00:32:13,480 --> 00:32:16,360
Speaker 1: who believed in teaching financial education and Marshall kind of

731
00:32:16,360 --> 00:32:19,080
Speaker 1: brought us together. And although we don't like tour and

732
00:32:19,120 --> 00:32:25,240
Speaker 1: stuff like we used to, I know, like Destiny's Child,

733
00:32:25,280 --> 00:32:26,920
Speaker 1: but honestly no, we used to like travel all over

734
00:32:26,960 --> 00:32:29,760
Speaker 1: and teach financial education together. But still we're all super

735
00:32:29,760 --> 00:32:33,760
Speaker 1: supportive and Marsha was just on NPR, I mean, learn best,

736
00:32:33,760 --> 00:32:35,720
Speaker 1: I mean she has been all over I think ABC

737
00:32:35,880 --> 00:32:38,840
Speaker 1: News did like this whole story on her and just

738
00:32:38,840 --> 00:32:41,560
Speaker 1: to see her kind of get like the limelight shine her,

739
00:32:41,560 --> 00:32:43,480
Speaker 1: because Marsha's not really like a limelight girl, but I

740
00:32:43,520 --> 00:32:45,360
Speaker 1: just love to see, like, you know, that she's shining

741
00:32:45,400 --> 00:32:46,200
Speaker 1: bright as she off to.

742
00:32:46,480 --> 00:32:48,000
Speaker 2: The best end we have to I have to. I

743
00:32:48,040 --> 00:32:50,080
Speaker 2: think the most interesting thing for me learning more about

744
00:32:50,080 --> 00:32:52,040
Speaker 2: her story when I when I covered it for y'allhoo,

745
00:32:52,120 --> 00:32:54,120
Speaker 2: was that she invested all of her own money into this,

746
00:32:54,600 --> 00:32:56,760
Speaker 2: all of her savings, and she really threw her life

747
00:32:56,760 --> 00:32:59,560
Speaker 2: into it and took a huge gamble. And it's only

748
00:32:59,560 --> 00:33:01,959
Speaker 2: been around for what this will be a year in November,

749
00:33:02,360 --> 00:33:04,520
Speaker 2: So I just really want to support her. She just

750
00:33:04,560 --> 00:33:07,040
Speaker 2: got her status, has five O five oh one C

751
00:33:07,200 --> 00:33:09,880
Speaker 2: three nonprofit status, approof which means she can now take

752
00:33:10,200 --> 00:33:13,880
Speaker 2: donations and grants. So go check out her website, Thefinancebar

753
00:33:14,040 --> 00:33:17,360
Speaker 2: dot com and donate. You can join her virtual members

754
00:33:17,360 --> 00:33:20,240
Speaker 2: clubs only only ten dollars a month, and she has

755
00:33:20,360 --> 00:33:24,840
Speaker 2: weekly or monthly webinars and financial education tools. There's an app.

756
00:33:25,000 --> 00:33:26,280
Speaker 2: It's so it's so, it's amazing.

757
00:33:26,320 --> 00:33:27,880
Speaker 1: She's just amazing, honestly.

758
00:33:27,600 --> 00:33:28,160
Speaker 2: Yay Marcia.

759
00:33:28,280 --> 00:33:30,880
Speaker 1: I know yay. I can just see Marsha's like, oh

760
00:33:31,000 --> 00:33:33,520
Speaker 1: babies think because Marcia Southern, well, she's so cute. She's

761
00:33:33,520 --> 00:33:35,720
Speaker 1: gonna be like, oh, Tip, I just love you, Tip.

762
00:33:38,680 --> 00:33:39,400
Speaker 1: So who's your win?

763
00:33:39,680 --> 00:33:42,480
Speaker 2: My win this week? Because I've struggled with my weight,

764
00:33:42,520 --> 00:33:44,720
Speaker 2: probably my entire life. I come from a family my

765
00:33:44,800 --> 00:33:47,400
Speaker 2: dad used to own a soul food restaurant. Yes, probably

766
00:33:47,440 --> 00:33:49,520
Speaker 2: like half of my dad's family has suffered from some

767
00:33:50,120 --> 00:33:52,560
Speaker 2: form of like diabet us or weight related.

768
00:33:52,640 --> 00:33:53,560
Speaker 1: Did you say diabetes?

769
00:33:53,560 --> 00:33:58,360
Speaker 2: Diabetes the sugar, the sugar. It's it's funny but so

770
00:33:58,360 --> 00:34:00,960
Speaker 2: sad like I've had I've had family members who have

771
00:34:01,040 --> 00:34:04,720
Speaker 2: died from complications with diabetes, and it's and I was

772
00:34:04,840 --> 00:34:07,120
Speaker 2: very overweight as a child, and I struggle with weight

773
00:34:07,160 --> 00:34:09,839
Speaker 2: my whole life. YadA, YadA, YadA, YadA. So I want

774
00:34:09,840 --> 00:34:12,640
Speaker 2: to call out for my win of the week Shonda rhymes.

775
00:34:12,880 --> 00:34:15,480
Speaker 2: So we already like as if I could love her anymore,

776
00:34:15,640 --> 00:34:20,560
Speaker 2: like respect her anymore. She basically owns Thursday night television

777
00:34:20,600 --> 00:34:23,920
Speaker 2: with three shows. She's a badass showrunner, like one of

778
00:34:23,960 --> 00:34:26,359
Speaker 2: the only black female showrunners that has all these shows

779
00:34:26,400 --> 00:34:28,920
Speaker 2: on television right now and on top of all that,

780
00:34:29,040 --> 00:34:31,480
Speaker 2: she managed to lose one hundred and seventeen pounds. Yeah,

781
00:34:32,080 --> 00:34:35,000
Speaker 2: in the last one or two years, and it happens.

782
00:34:35,280 --> 00:34:36,839
Speaker 2: I just saw her in a magazine cover, I think

783
00:34:36,840 --> 00:34:38,080
Speaker 2: it was Entertainment Weekly, and I was.

784
00:34:38,080 --> 00:34:38,759
Speaker 1: Like, what is what?

785
00:34:38,920 --> 00:34:40,680
Speaker 2: How did she do that? I was convinced she had

786
00:34:40,719 --> 00:34:43,880
Speaker 2: had like gastric bypass or lap band surgery or something,

787
00:34:43,920 --> 00:34:47,680
Speaker 2: but she exercised and she ate right. And I just

788
00:34:47,719 --> 00:34:51,040
Speaker 2: want to give her all the brown Break Brilliance points

789
00:34:51,040 --> 00:34:53,400
Speaker 2: for this week and really encourage her because I know

790
00:34:53,480 --> 00:34:56,120
Speaker 2: that it's this fight is not a one and done

791
00:34:56,200 --> 00:34:59,200
Speaker 2: thing like those one hundred and seventeen pounds, like you

792
00:34:59,360 --> 00:35:03,320
Speaker 2: work to keep them listen like I have. I've dropped

793
00:35:03,320 --> 00:35:05,959
Speaker 2: forty pounds and take me six months to lose it.

794
00:35:05,960 --> 00:35:07,319
Speaker 2: It'll take me a week to lose and to gain

795
00:35:07,320 --> 00:35:09,879
Speaker 2: it back. And it's like the constant struggle, especially when

796
00:35:09,880 --> 00:35:12,160
Speaker 2: it's in your genes and people. Often when you see

797
00:35:12,160 --> 00:35:14,759
Speaker 2: someone who's overweight, you're you tend to think, oh, well

798
00:35:14,800 --> 00:35:16,960
Speaker 2: they're just lazy and fat, they just don't eat right.

799
00:35:17,080 --> 00:35:20,520
Speaker 2: But there's real, like biological factors that can contribute. There

800
00:35:20,600 --> 00:35:22,319
Speaker 2: was just a study out last week or this week.

801
00:35:22,360 --> 00:35:24,759
Speaker 2: That said that for millennials, we can eat the same

802
00:35:24,800 --> 00:35:27,279
Speaker 2: stuff that people ate in the eighties, but something has

803
00:35:27,360 --> 00:35:29,920
Speaker 2: changed in the food and the food or whatever we're in,

804
00:35:30,040 --> 00:35:31,880
Speaker 2: like all the chemicals were in or whatever that have

805
00:35:32,160 --> 00:35:33,640
Speaker 2: it making it harder to lose weight.

806
00:35:34,680 --> 00:35:37,400
Speaker 1: I have put on about twenty pounds since me and

807
00:35:37,480 --> 00:35:40,080
Speaker 1: Superman have gotten together, and I'm like, oh my gosh,

808
00:35:40,160 --> 00:35:44,000
Speaker 1: nothing fits behind is like growing too magnanimous portions, and

809
00:35:44,000 --> 00:35:45,400
Speaker 1: I'm like, oh my gosh, struggle is real.

810
00:35:45,480 --> 00:35:47,680
Speaker 2: And yeah, I mean obviously, like I am, you have

811
00:35:47,719 --> 00:35:49,959
Speaker 2: to be realistic, Like I know, I have thighs four

812
00:35:50,080 --> 00:35:51,880
Speaker 2: days and they are never going to go away no

813
00:35:51,920 --> 00:35:52,759
Speaker 2: matter what I do.

814
00:35:53,239 --> 00:35:55,240
Speaker 1: But you know, you want to be your best self.

815
00:35:55,280 --> 00:35:56,759
Speaker 2: I mean I don't, That's what I'm saying, Like, I

816
00:35:56,800 --> 00:35:58,960
Speaker 2: want to be realistic about what your body should look

817
00:35:59,040 --> 00:36:01,440
Speaker 2: like and being a hell healthy version of yourself. That's

818
00:36:01,480 --> 00:36:03,600
Speaker 2: what's important. And it took me a long time to

819
00:36:03,680 --> 00:36:05,759
Speaker 2: learn that. I used to beat myself up a lot

820
00:36:05,800 --> 00:36:06,200
Speaker 2: when I was.

821
00:36:06,160 --> 00:36:08,000
Speaker 1: A kid about one super skinny.

822
00:36:08,200 --> 00:36:10,720
Speaker 2: Yeah, about you know, wanting to have like yeah, exactly,

823
00:36:10,880 --> 00:36:13,400
Speaker 2: a beautiful Brittney Spirits sized bottom, Okay, and that kind

824
00:36:13,400 --> 00:36:14,240
Speaker 2: of stuff like that's.

825
00:36:14,080 --> 00:36:15,960
Speaker 1: Never gonna happen, you know, it's so crazy. I remember,

826
00:36:16,040 --> 00:36:18,920
Speaker 1: like I was super super I was abnormally skinny as

827
00:36:18,920 --> 00:36:20,839
Speaker 1: a kid, like so much so that like they used

828
00:36:20,840 --> 00:36:22,520
Speaker 1: to take me to the doctor to say, like what's

829
00:36:22,560 --> 00:36:24,799
Speaker 1: wrong with her? And they were just like nothing, she

830
00:36:24,960 --> 00:36:27,600
Speaker 1: just bones because I was at a big eater. And

831
00:36:27,640 --> 00:36:31,160
Speaker 1: then I but I always had like this little bubble butt,

832
00:36:31,200 --> 00:36:32,759
Speaker 1: like it was like one of these butts that were

833
00:36:32,760 --> 00:36:34,879
Speaker 1: so random because you're like so skinny, They're like, wait,

834
00:36:34,920 --> 00:36:36,600
Speaker 1: you turn around and say, what in the world's going

835
00:36:36,600 --> 00:36:38,600
Speaker 1: on back there? And I remember I was on the

836
00:36:38,640 --> 00:36:40,799
Speaker 1: tennis team. So I went to like an almost all

837
00:36:40,800 --> 00:36:43,319
Speaker 1: white high school to you little browns here and there,

838
00:36:43,640 --> 00:36:44,840
Speaker 1: and I was on the tennis team, and I was

839
00:36:44,840 --> 00:36:47,120
Speaker 1: wearing a tennis skirt, and so my skirt it's like

840
00:36:47,120 --> 00:36:49,359
Speaker 1: you know, like you know, tennis skirts are like mid

841
00:36:49,400 --> 00:36:52,040
Speaker 1: thigh in the back, and it was like grazing the

842
00:36:52,040 --> 00:36:54,400
Speaker 1: bottom of my behind in the or mid thigh in

843
00:36:54,440 --> 00:36:56,279
Speaker 1: the front, and in the back it was like up

844
00:36:56,360 --> 00:36:58,360
Speaker 1: hiked up. And so I remember the girls from the

845
00:36:58,360 --> 00:37:00,520
Speaker 1: tennis see and they're like tivioty pulling down my skirt

846
00:37:00,520 --> 00:37:02,120
Speaker 1: one day, like your skirts up and then what is

847
00:37:02,200 --> 00:37:04,279
Speaker 1: that like trying to wear a skirt as a Yeah,

848
00:37:04,640 --> 00:37:07,320
Speaker 1: but especially like a little skirt, and I was like, yeah,

849
00:37:07,480 --> 00:37:09,840
Speaker 1: that's my booty. It's not going anywhere.

850
00:37:10,040 --> 00:37:12,160
Speaker 2: I wear this skirt today and I'm pulling down the back.

851
00:37:12,239 --> 00:37:13,360
Speaker 2: You have to buy a size banger.

852
00:37:13,400 --> 00:37:16,440
Speaker 1: You have to get tailored, yeah, because then your thigh

853
00:37:16,640 --> 00:37:18,840
Speaker 1: and your booty is one thing, and then your waist.

854
00:37:18,960 --> 00:37:20,600
Speaker 1: You're like, oh, I'm a six in the ways and

855
00:37:20,640 --> 00:37:21,520
Speaker 1: I'm a fourteen and thig.

856
00:37:22,400 --> 00:37:23,840
Speaker 2: It always looks good in the front, but then you

857
00:37:23,840 --> 00:37:25,800
Speaker 2: turn around in the profile and then it's like shorter.

858
00:37:26,239 --> 00:37:28,239
Speaker 1: Yeah. But you know what I've learned though, I've learned

859
00:37:28,239 --> 00:37:30,480
Speaker 1: like my silhouette, like cause I have like I don't

860
00:37:30,480 --> 00:37:32,920
Speaker 1: really have much of a bust, So I learned that

861
00:37:33,080 --> 00:37:35,319
Speaker 1: like you know, like I do the dresses that kind

862
00:37:35,320 --> 00:37:37,799
Speaker 1: of are like snatched, like fit and flare. That's what

863
00:37:37,800 --> 00:37:39,680
Speaker 1: I've learned. It works really good from my body side,

864
00:37:39,719 --> 00:37:41,919
Speaker 1: like okay, fit and they kind of like flare out.

865
00:37:42,200 --> 00:37:44,920
Speaker 1: But and honestly, like I've put on like way or weight.

866
00:37:44,920 --> 00:37:46,200
Speaker 1: But I was looking at myself the other day and

867
00:37:46,239 --> 00:37:48,200
Speaker 1: I was like, you know what, Tiffany, I love your shape.

868
00:37:48,239 --> 00:37:50,600
Speaker 1: I don't you know. I know I'm not skinny like

869
00:37:50,640 --> 00:37:52,839
Speaker 1: I used to be anymore, but I don't I don't

870
00:37:52,840 --> 00:37:55,280
Speaker 1: want to, just want to be healthy and fit and firm.

871
00:37:55,360 --> 00:37:57,160
Speaker 1: So I've been going back to the gym for that,

872
00:37:57,280 --> 00:37:59,560
Speaker 1: not necessarily to lose weight like I was originally like,

873
00:37:59,600 --> 00:38:02,600
Speaker 1: I want to ge skinny, and I'm like why. Drew's

874
00:38:02,640 --> 00:38:07,560
Speaker 1: like why, I mean Superman. Sorry, I hear that he's

875
00:38:07,560 --> 00:38:08,080
Speaker 1: not gonna listen.

876
00:38:09,800 --> 00:38:11,919
Speaker 2: I mean say he will, but then when he won't,

877
00:38:11,960 --> 00:38:13,360
Speaker 2: mention that that he didn't listen.

878
00:38:14,560 --> 00:38:17,120
Speaker 1: So yeah, Superman is like what what you know? The

879
00:38:17,160 --> 00:38:19,919
Speaker 1: men's love it. They're like, yes, Mandy, keep that weight.

880
00:38:20,200 --> 00:38:20,560
Speaker 1: I don't know.

881
00:38:21,960 --> 00:38:24,040
Speaker 2: I am dating a Dominican. Yeah, so you already know

882
00:38:24,120 --> 00:38:27,080
Speaker 2: he's like more rice and beans for you. You love yourself

883
00:38:27,080 --> 00:38:29,239
Speaker 2: and then you find someone else you also love it exactly.

884
00:38:29,400 --> 00:38:31,839
Speaker 2: So yay Shanna Rhimes. Oh and just a quick shout out.

885
00:38:31,880 --> 00:38:35,560
Speaker 2: My dad lost like one hundred pounds. He had gastic

886
00:38:35,560 --> 00:38:38,200
Speaker 2: bypass surgery, and I'm proud of him because, like I said,

887
00:38:38,239 --> 00:38:40,360
Speaker 2: even if you get gastric bypass surgery, that's not a

888
00:38:40,360 --> 00:38:41,960
Speaker 2: band ad. I mean, that's not like a one and

889
00:38:42,040 --> 00:38:44,200
Speaker 2: done fix. You have to really, you can stretch your

890
00:38:44,200 --> 00:38:47,480
Speaker 2: swomming back out. I have had family members who have

891
00:38:47,840 --> 00:38:50,479
Speaker 2: lost the weight, gotten the surgery, gone through all that hell,

892
00:38:50,800 --> 00:38:53,200
Speaker 2: and then put on double what they weighed before. Because

893
00:38:53,200 --> 00:38:55,239
Speaker 2: it's a lifestyle thing. And I'm proud of my dad.

894
00:38:55,320 --> 00:38:57,640
Speaker 2: He's always texting me photos of like the soup and

895
00:38:57,640 --> 00:39:01,160
Speaker 2: like the salads he's making and chopping up his Oh

896
00:39:01,200 --> 00:39:03,120
Speaker 2: my god, he sent me them. This had to be

897
00:39:03,160 --> 00:39:05,759
Speaker 2: the most Southern like ghetto photo my dad's ever sent me.

898
00:39:06,080 --> 00:39:08,680
Speaker 2: He so hill one of his friends brought him, had

899
00:39:08,719 --> 00:39:10,480
Speaker 2: just harvested her garden or whatever. She had a bunch

900
00:39:10,520 --> 00:39:13,320
Speaker 2: of turnip greens, and he's like, look all these greens

901
00:39:13,320 --> 00:39:14,799
Speaker 2: and I washed them. Look this way I washed them.

902
00:39:14,800 --> 00:39:16,680
Speaker 2: He texted me a photo of all the greens in

903
00:39:16,680 --> 00:39:20,560
Speaker 2: its washing machine, like his, his laundry machine. Yes, that's

904
00:39:20,560 --> 00:39:22,400
Speaker 2: how he washed the greens. And he just couldn't he

905
00:39:22,400 --> 00:39:26,160
Speaker 2: could not understand why. I didn't understand why, Oh Papa

906
00:39:26,200 --> 00:39:29,719
Speaker 2: would drug He's never gonna find a wife all you

907
00:39:29,800 --> 00:39:31,239
Speaker 2: never know, he doesn't want one.

908
00:39:31,280 --> 00:39:32,120
Speaker 1: But well there you go.

909
00:39:32,320 --> 00:39:34,880
Speaker 2: Oh, well that's my dad for you know. Yay yay Daddy,

910
00:39:35,000 --> 00:39:37,480
Speaker 2: Yay Shonda rhymes and yay Marcia barn.

911
00:39:37,400 --> 00:39:40,680
Speaker 1: Yes, please please please stay in contact with me and

912
00:39:40,760 --> 00:39:46,120
Speaker 1: Mandy at the Brown Ambition Podcast at gmail dot com

913
00:39:46,160 --> 00:39:49,000
Speaker 1: dot com, Brown Ambition on Facebook, and.

914
00:39:49,280 --> 00:39:52,080
Speaker 2: At the BA Podcast on Twitter. So many of you

915
00:39:52,080 --> 00:39:54,560
Speaker 2: guys have been sending us such lovely tweets and like dms.

916
00:39:54,680 --> 00:39:56,919
Speaker 2: But and me love to hear how you guys feel

917
00:39:56,920 --> 00:39:59,360
Speaker 2: about us. But can we just please ask that maybe

918
00:39:59,360 --> 00:40:01,920
Speaker 2: you share us a nice review on iTunes. Let me

919
00:40:02,040 --> 00:40:02,920
Speaker 2: let everybody know how.

920
00:40:02,920 --> 00:40:05,480
Speaker 1: Much you love us, please, cause that's what honestly like

921
00:40:05,520 --> 00:40:07,880
Speaker 1: if you look kind of like in our category career

922
00:40:07,880 --> 00:40:10,080
Speaker 1: in business, there's not too many brown faces.

923
00:40:10,120 --> 00:40:11,399
Speaker 2: There's like zero mm hmm.

924
00:40:11,480 --> 00:40:14,640
Speaker 1: It was basically us. So we want to encourage other

925
00:40:14,680 --> 00:40:16,799
Speaker 1: people when they see our brown faces to join the

926
00:40:16,840 --> 00:40:19,560
Speaker 1: whole podcast movement and you know, start their own. So

927
00:40:19,880 --> 00:40:24,200
Speaker 1: reviews really really really help, and just keep keep sending them.

928
00:40:24,239 --> 00:40:26,160
Speaker 2: So emails are nice, that were tweets, but please leave

929
00:40:26,239 --> 00:40:28,560
Speaker 2: us reviews and send us a screenshot because we're going

930
00:40:28,640 --> 00:40:32,160
Speaker 2: to be announcing the winner of our iTunes review giveaway

931
00:40:32,239 --> 00:40:34,839
Speaker 2: in a couple of weeks and we'd love to have

932
00:40:34,880 --> 00:40:37,360
Speaker 2: more people to pick from. Yah, leave us some reviews.

933
00:40:38,000 --> 00:40:40,760
Speaker 1: All right, Well, this has been lovely as usual, Mandy.

934
00:40:40,760 --> 00:40:42,719
Speaker 1: Mandy looks so pretty today. Gal, She's got like her

935
00:40:42,719 --> 00:40:43,520
Speaker 1: hair all done up.

936
00:40:43,719 --> 00:40:46,120
Speaker 2: I did my band two nuts, two strand twists and

937
00:40:46,200 --> 00:40:48,640
Speaker 2: bands busy last night. Oh my god.

938
00:40:48,719 --> 00:40:50,239
Speaker 1: I know she's got like a cute outfit. I was like,

939
00:40:50,239 --> 00:40:53,080
Speaker 1: where you going? Meanwhile, I haven't like tights and like

940
00:40:53,120 --> 00:40:55,680
Speaker 1: a big shirt. Alyssa was like, I mean, supergirl, I'm

941
00:40:55,760 --> 00:40:59,239
Speaker 1: mess and she looks like we're you. I have like

942
00:40:59,400 --> 00:41:03,359
Speaker 1: read chucks on Converse. They my family told me before

943
00:41:03,360 --> 00:41:05,279
Speaker 1: I left, you look like Punky Booster. Some of y'all

944
00:41:05,320 --> 00:41:07,640
Speaker 1: youngins don't even know what Punky Booster is. Google it.

945
00:41:07,960 --> 00:41:08,800
Speaker 2: I have Punky.

946
00:41:09,120 --> 00:41:12,200
Speaker 1: Oh well yeah, but you're like Moonfry whatever.

947
00:41:12,520 --> 00:41:12,759
Speaker 2: Yeah.

948
00:41:12,840 --> 00:41:14,960
Speaker 1: Yeah, so I look very like twelve years old, and

949
00:41:14,960 --> 00:41:16,600
Speaker 1: Manny looks like very sophisticated ladies.

950
00:41:16,600 --> 00:41:18,640
Speaker 2: All right, stop best version of yourself.

951
00:41:18,719 --> 00:41:20,080
Speaker 1: Yes, no, I mean I think I look cute, but

952
00:41:20,120 --> 00:41:21,520
Speaker 1: you know, I'm like, yeah, cut in the ten year

953
00:41:21,520 --> 00:41:25,279
Speaker 1: old one. All right. Bye. Got By