WEBVTT - Ep. 8—Make your credit jump like Jordan

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<v Speaker 1>Hey, hey, hey, and we're back. It is Brown Ambition,

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<v Speaker 1>Episode eight.

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<v Speaker 2>Hey, guys, what's up.

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<v Speaker 1>It's Mandy and it's Tiffany and we're back.

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<v Speaker 2>Man, hope you guys had a good weekend.

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<v Speaker 1>Yeah, I hope you did have.

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<v Speaker 2>It's October.

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<v Speaker 1>It's fall, Yeah, I mean, I don't know. Honestly. I

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<v Speaker 1>love the fall for the foliage. And I don't mind

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<v Speaker 1>a crisp kind of like slightly chilly, but I don't

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<v Speaker 1>like cold, cold, cold.

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<v Speaker 2>Well, I guess I can agree with that. This is

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<v Speaker 2>the time of year. Like our heat went on this

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<v Speaker 2>weekend at our apartment, and I love the smell of

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<v Speaker 2>the first heat of winter. Like yeah, I like the

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<v Speaker 2>way the apartment you can smell it come on. It

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<v Speaker 2>kind of smells like I don't know what it smells like,

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<v Speaker 2>probably like chemicals and discussing, but it kind of it's cozy,

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<v Speaker 2>except for at night it gets so hot.

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<v Speaker 1>We have radiators.

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<v Speaker 2>We have an old, old, old building, and the radiators

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<v Speaker 2>making noises and they hiss. Yeah, and it's so freaking hot,

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<v Speaker 2>like I'll wake up the middle the night in like

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<v Speaker 2>a dead sweat. Like I wear less clothes in winter

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<v Speaker 2>to bed than I do in summertime.

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<v Speaker 1>Like honestly, I used to. So I used to work

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<v Speaker 1>in this building, which was a housing building aka the

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<v Speaker 1>projects in Newark, and so I never heard of project

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<v Speaker 1>heat before. It's a real thing. So project heat is

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<v Speaker 1>like it's it's heat and like you know one of

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<v Speaker 1>those high rise buildings that's controlled by like I guess

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<v Speaker 1>some sort of main system. So you don't have any

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<v Speaker 1>control over your heat.

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<v Speaker 2>Oh I don't have control over money either.

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<v Speaker 1>Okay, so that project you are.

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<v Speaker 2>I don't pay project money.

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<v Speaker 1>No, no, I wish I was so anyway, it is so hot,

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<v Speaker 1>like literally in the winter time. When I used to

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<v Speaker 1>teach preschool, so our preschool was in the the bottom

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<v Speaker 1>of the building. We would have to like open, like

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<v Speaker 1>in the dead of winter, our like windows and doors

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<v Speaker 1>because literally I would get sick because the heat was

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<v Speaker 1>so hot.

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<v Speaker 2>We crack our windows.

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<v Speaker 1>You could actually boil like the water that came out

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<v Speaker 1>of the heater. You could actually boil the.

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<v Speaker 2>Egg with just straight I d clothes on it.

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<v Speaker 1>Yeah I do. Oh man, do you have project heat.

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<v Speaker 2>I'm gonna start calling it that.

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<v Speaker 1>Yeah, you're getting brown and browner every day.

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<v Speaker 2>I don't like not having control, but yay. Fall.

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<v Speaker 1>All that to say, it's fall, It's beautiful. So what

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<v Speaker 1>do we want to talk about for Buzzworthy.

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<v Speaker 2>Buzzworthy this week? We have a lot of interesting topics.

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<v Speaker 2>Do you want to Well, let's start. Let's start with

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<v Speaker 2>this whole textbook controversy. So obviously, people who win history

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<v Speaker 2>tend to write history books. Yes, which means that a

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<v Speaker 2>lot of I'm guessing probably old white men are writing

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<v Speaker 2>our children's history books. And there's some reaching controversy over

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<v Speaker 2>a textbook that is in a caption of a photo

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<v Speaker 2>describing the slave trade, describes slaves as quote unquote workers.

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<v Speaker 1>Can you imagine? It says something like it's like you see,

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<v Speaker 1>they're trying to show you kind of like the route

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<v Speaker 1>that the slaves took by I guess by ship, and

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<v Speaker 1>the caption says something like, this is the route that

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<v Speaker 1>they brought over the workers from Africa to America. The workers.

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<v Speaker 1>Oh oh, did the slaves that they were workers? Did

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<v Speaker 1>they get workers' wages?

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<v Speaker 2>They get benefits?

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<v Speaker 1>I couldn't believe. I mean, it just it's just so

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<v Speaker 1>infuriating because it's very clear they're trying to rewrite history

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<v Speaker 1>to make it seem like slavery wasn't that bad. I've

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<v Speaker 1>heard that a lot from people down south that that's

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<v Speaker 1>kind of like the notion that it wasn't that bad.

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<v Speaker 1>And I'm like, oh, so loss of freedom and life

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<v Speaker 1>and choice and liberty is not that bad.

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<v Speaker 2>What I love about it is that the chapter, this

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<v Speaker 2>whole like this, this excerpt from the chapter was called

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<v Speaker 2>out by one of the kids. It wasn't like the

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<v Speaker 2>kid's mother saw it and was like, listen, honey, no.

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<v Speaker 2>This kid so apparently his name is Kobe Burn. He's

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<v Speaker 2>from Houston, so he was reading the textbook, saw this

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<v Speaker 2>part and texted his mother. He said with a text message,

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<v Speaker 2>we was real hard workers, wasn't we.

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<v Speaker 1>I love sarcasm.

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<v Speaker 2>Sarcasm obviously yea. And his mother what's her name, Ronny

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<v Speaker 2>Rone or Ronnie So she's the one who kicked everything off.

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<v Speaker 2>Once her son texted her, she put up this. She

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<v Speaker 2>put up a post on Facebook and I think a

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<v Speaker 2>video too where she calls out the textbook and now

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<v Speaker 2>the company, yay black Power. The company is renovating revising

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<v Speaker 2>this page in the book.

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<v Speaker 1>Which is like, why did we even have to say

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<v Speaker 1>call it what it is? These were not workers, These

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<v Speaker 1>were stolen people and they were abused beyond like I mean,

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<v Speaker 1>even though people will say like, oh well I've actually

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<v Speaker 1>read somewhere like oh, our slaves were happy and they

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<v Speaker 1>wanted to be here, Like what does that even mean?

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<v Speaker 2>Oh, here's the thing. This is why it's really fucked up.

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<v Speaker 2>They this this is about so the I'm looking at

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<v Speaker 2>the page of the book. It's it's titled Patterns of Immigration.

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<v Speaker 2>So when you immigrate to a country, that kind of

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<v Speaker 2>insinuates that you want to be there. Yes, choice by choice. Yes,

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<v Speaker 2>So this is Yeah, in that context, it's even crazier

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<v Speaker 2>that they're calling them like African workers who immigrated to America. Yeah,

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<v Speaker 2>they weren't shackle them bound and put on slave ships

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<v Speaker 2>and made to drown at see and die and all

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<v Speaker 2>this stuff. And mm hmmmmm. This is why we need

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<v Speaker 2>more diverse textbook authors. Let's make a call for if

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<v Speaker 2>I don't know, how do you even get a job

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<v Speaker 2>as a textbook writer?

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<v Speaker 1>I don't know.

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<v Speaker 2>That must be the widest job in America, you know

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<v Speaker 2>what I mean.

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<v Speaker 1>Somebody's sitting in the audience like right now, like, oh well, yeah,

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<v Speaker 1>I don't yeah.

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<v Speaker 2>I don't think until I got to college all my

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<v Speaker 2>you know, professors have to write books. I don't think

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<v Speaker 2>I had a textbook written by a black person to college.

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<v Speaker 2>So yay public education.

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<v Speaker 1>Yes, and yay Kobe.

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<v Speaker 2>Oh, I wanted to talk about urban geeks. This isn't

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<v Speaker 2>what it's called.

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<v Speaker 1>It's called hood hood nerds.

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<v Speaker 2>No, okay, yeah, I screwed up, but we'll keep going. Yeah,

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<v Speaker 2>it's called hood nerds. Wait is that what's really called?

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<v Speaker 1>It's called hood something.

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<v Speaker 2>But I told you I didn't like the neighborhood hood

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<v Speaker 2>Wait where is it at?

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<v Speaker 1>Yes, it's called hood something, and I was just like,

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<v Speaker 1>what does it have to be called hood smart?

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<v Speaker 2>Goods smart? So there's this new reality TV show and listen,

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<v Speaker 2>this is a let's okay. So this is a huge

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<v Speaker 2>step forward away from like Kardashians and like people food

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<v Speaker 2>dating naked and like in the wilderness naked, just stupid

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<v Speaker 2>reality TV. There's a good just everyone's butt ass naked

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<v Speaker 2>at all times. There's a new show called hood Smart,

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<v Speaker 2>the Urban Stemulus Projects. Stem of course is for science, technology, engineering,

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<v Speaker 2>and math.

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<v Speaker 1>Okay, got that right? Yep, yay.

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<v Speaker 2>And this is featuring how are how many black teenagers

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<v Speaker 2>fifteen teenagers living in house for eight weeks and they

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<v Speaker 2>are competing in all these STEM related competitions and they

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<v Speaker 2>this headline says urban kids, which is kind of stupid, but.

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<v Speaker 1>Code for black black kids.

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<v Speaker 2>They're from black communities, and it's just nice to see.

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<v Speaker 2>First of all, we all know that black black men

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<v Speaker 2>and black women just aren't as prevalent in STEM fields,

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<v Speaker 2>and so it's nice to it's nice to that all

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<v Speaker 2>these kids are getting attention.

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<v Speaker 1>Is there's a push for which is nice. Like they're like,

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<v Speaker 1>I live in New Jersey and nng i T, which

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<v Speaker 1>is New Jersey Institute of Technology. They actually have a

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<v Speaker 1>STEM program like just for girls that starts in fourth

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<v Speaker 1>grade in the summertime and it's free. So I'm totally

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<v Speaker 1>going to sign up. Supergirl, who is super Superman. My

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<v Speaker 1>boyfriend he has a nine year old daughter, so I

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<v Speaker 1>was like, oh, yes, she just turned nine like two

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<v Speaker 1>days ago, and I'm like, ooh, Supergirl's totally going to

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<v Speaker 1>sign up for STEM because I want her to, like,

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<v Speaker 1>you know, know that she can be good. She's really artistic,

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<v Speaker 1>you know, but I want her to also know you're

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<v Speaker 1>really smart and you can do everything, you know.

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<v Speaker 2>So there's that there's a group called Black Girls Who Code. Yeah,

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<v Speaker 2>that's also supporting young black and women, women people, women

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<v Speaker 2>and tech women, folks, women, folks. I think that's exciting,

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<v Speaker 2>and it's it's great that it's a television show because

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<v Speaker 2>that's where that's what kids are looking at and when

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<v Speaker 2>they see kids like themselves exactly doing this and not

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<v Speaker 2>just like I don't know what other reality TV show

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<v Speaker 2>like skateboarding or like what is it sixteen and pregnant

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<v Speaker 2>that's a big teenage show. It's nice to see that

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<v Speaker 2>example set. So and honestly, we say so often and

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<v Speaker 2>you hear so many studies, read so many studies about

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<v Speaker 2>how education is the most important tool to lift you

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<v Speaker 2>out of poverty, and let's be on minorities are more

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<v Speaker 2>likely to be poor. Yeah, but it's also what you

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<v Speaker 2>study that matters, and you have to teach these lessons

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<v Speaker 2>that like, if you want to get a good career,

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<v Speaker 2>you have to study a certain thing, a certain thing.

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<v Speaker 2>And of course I'm speaking from someone who study journalism,

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<v Speaker 2>which isn't always the most lucrative, but you should study

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<v Speaker 2>something that's going to get you a living, a livable

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<v Speaker 2>wage and really help you lift your I.

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<v Speaker 1>Didn't understand that until my dad told me, like I remember,

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<v Speaker 1>I wanted to go into school and study psychology or

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<v Speaker 1>sociology and he was like no, and he was like,

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<v Speaker 1>that is like the typical brown woman. Like like, I

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<v Speaker 1>forget what he said. He didn't say it that nice,

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<v Speaker 1>but basically he was like every black girl does that.

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<v Speaker 1>And I was like, no, daddy, I'm gonna do it.

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<v Speaker 1>He was like, okay, then you paid for college. And

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<v Speaker 1>I was like, okay, daddy, what do you want me

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<v Speaker 1>to do? And I just remember being so mad at him.

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<v Speaker 1>And now that I kind of take a step back

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<v Speaker 1>and I'm older, I see what he meant in a way.

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<v Speaker 1>He's just basically meant that because I knew I wanted

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<v Speaker 1>to live a life of service. And he was like,

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<v Speaker 1>but if you choose certain majors, it puts you and

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<v Speaker 1>so many of my friends who went to school for sociology,

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<v Speaker 1>psychology and our social workers are not making enough to

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<v Speaker 1>contribute exactly. Yeah, And so because I chose, I think

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<v Speaker 1>I chose like business and marketing something random. But through

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<v Speaker 1>my business, it's almost like I do social work through

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<v Speaker 1>my business, So I'm able to still do what I

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<v Speaker 1>initially intended. But in a way that one is lucrative,

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<v Speaker 1>and I'm also able to affect way more women than

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<v Speaker 1>I would have and maybe like a smaller capacity. And

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<v Speaker 1>not to say you shouldn't go to school for social

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<v Speaker 1>work or psychology, but that you just have to know

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<v Speaker 1>that the major you choose really is going to help

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<v Speaker 1>order your steps for the rest of your life.

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<v Speaker 2>And that's why it's important too, just real quick to

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<v Speaker 2>have mentors because I was a first person in my

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<v Speaker 2>family to go to college, my immediately my immediate family,

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<v Speaker 2>and I didn't have anyone sitting me down and telling

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<v Speaker 2>me how to pick a major, like how to plan

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<v Speaker 2>my career. And I think if I'd had someone to

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<v Speaker 2>give me that information, I would have been able to

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<v Speaker 2>use it, you know, and have that knowledge. So I

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<v Speaker 2>think mentor ship's really important.

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<v Speaker 1>So it's brown break, Brown Break, what you're gonna do?

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<v Speaker 1>I like to go low, so I take the hat.

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<v Speaker 1>I'm the soprano brown. Clearly me and Mandy did not

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<v Speaker 1>go to school for safe but I sounded really good.

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<v Speaker 1>Oh yeah, so what are you breaking from? Mandy?

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<v Speaker 2>My brown break this week is for a collective group

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<v Speaker 2>of people who have somehow proliferated all these lies about

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<v Speaker 2>Planned Parenthood. I don't know if you've been watching or

0:10:45.240 --> 0:10:48.160
<v Speaker 2>paying attention to the news, but there was this anti

0:10:48.280 --> 0:10:52.040
<v Speaker 2>abortion group which did a sting quote unquote operation and

0:10:52.160 --> 0:10:55.840
<v Speaker 2>tried to catch Planned PARENTHOED workers admitting that they used

0:10:55.880 --> 0:10:59.280
<v Speaker 2>fetal tissue and sell it for research purposes. And it

0:10:59.320 --> 0:11:01.640
<v Speaker 2>was this big hole controversy and it's all led to

0:11:01.840 --> 0:11:05.920
<v Speaker 2>this huge Republican left sorry right wing conservative movement to

0:11:06.040 --> 0:11:09.760
<v Speaker 2>defund Planned Parenthood because and this lie that they're spreading

0:11:09.920 --> 0:11:14.160
<v Speaker 2>is that Planned Parented gives abortions and sells dead babies

0:11:14.280 --> 0:11:16.800
<v Speaker 2>for science, and that's what they're doing, which is such

0:11:16.840 --> 0:11:20.240
<v Speaker 2>a total bullshit lie on several fronts. For one thing,

0:11:20.559 --> 0:11:25.439
<v Speaker 2>federal dollars that Planned Parented gets do not go toward abortions.

0:11:25.760 --> 0:11:29.800
<v Speaker 2>They cannot. The majority of Planned Parented's work is contraception,

0:11:30.880 --> 0:11:34.199
<v Speaker 2>and like it says, Planned PARENTHO, a lot of women

0:11:34.320 --> 0:11:36.800
<v Speaker 2>do and they don't just do abortions. The majority of

0:11:36.800 --> 0:11:40.280
<v Speaker 2>the work is contraceptive. While women visit some women who

0:11:40.360 --> 0:11:43.160
<v Speaker 2>can't afford to go to a fancy guy in tocologist.

0:11:42.800 --> 0:11:45.040
<v Speaker 1>Me in college. That's why I used to go because

0:11:45.040 --> 0:11:46.120
<v Speaker 1>I was like, I didn't want to tell my mom,

0:11:46.160 --> 0:11:47.040
<v Speaker 1>I was sexually active.

0:11:47.120 --> 0:11:48.240
<v Speaker 2>That's why I went for birth control.

0:11:48.520 --> 0:11:50.520
<v Speaker 1>I iced to go for birth control. I used to

0:11:50.600 --> 0:11:52.840
<v Speaker 1>go for like just checkups and be like, all right,

0:11:52.880 --> 0:11:55.160
<v Speaker 1>I'm good. Like if I had like any questions, I

0:11:55.160 --> 0:11:57.800
<v Speaker 1>would go there. And I didn't come from like my family.

0:11:57.840 --> 0:12:00.240
<v Speaker 1>You know, we definitely were not well off, but I

0:12:00.280 --> 0:12:03.600
<v Speaker 1>probably could have afforded something different. But also too, just

0:12:03.640 --> 0:12:05.400
<v Speaker 1>being young, I was like, I don't want to tell

0:12:05.440 --> 0:12:10.080
<v Speaker 1>my mom I'm doing it. Wasn't I was a Vergis

0:12:10.080 --> 0:12:10.720
<v Speaker 1>till I was forty.

0:12:10.800 --> 0:12:12.200
<v Speaker 2>My mom was like counting on the days?

0:12:12.800 --> 0:12:13.440
<v Speaker 1>Is it? Yeah?

0:12:13.559 --> 0:12:13.920
<v Speaker 2>Still not?

0:12:14.120 --> 0:12:14.920
<v Speaker 1>Okay?

0:12:15.160 --> 0:12:16.520
<v Speaker 2>Oh? Really is that my foreigner?

0:12:16.679 --> 0:12:18.480
<v Speaker 1>Is that like a cultural thing a thing?

0:12:18.679 --> 0:12:21.520
<v Speaker 2>I don't know. I think I was just so chronically single.

0:12:21.600 --> 0:12:23.400
<v Speaker 2>I think she was just like, come on, Mandy, like

0:12:23.480 --> 0:12:24.680
<v Speaker 2>get it because something.

0:12:25.400 --> 0:12:26.800
<v Speaker 1>Oh my parents were like, you should be a virgin

0:12:26.840 --> 0:12:30.240
<v Speaker 1>it til you get better. That's so funny.

0:12:30.280 --> 0:12:32.760
<v Speaker 2>But so that's one of the lies. Okay, So let's

0:12:32.800 --> 0:12:34.760
<v Speaker 2>just dispel that myth. Most of the work they do

0:12:34.880 --> 0:12:37.960
<v Speaker 2>is not for abortions. The abortions they do do do

0:12:38.040 --> 0:12:40.600
<v Speaker 2>not use federal dollars, So defunding planned parented will not

0:12:40.960 --> 0:12:43.960
<v Speaker 2>actually take away from the abortion work they do. This

0:12:44.040 --> 0:12:46.120
<v Speaker 2>is and so all this call to defund them had

0:12:46.160 --> 0:12:48.720
<v Speaker 2>led to a congressional hearing and they had the CEO

0:12:49.280 --> 0:12:52.360
<v Speaker 2>of Planned Parenthood come to Capitol Hill to sit for

0:12:52.400 --> 0:12:54.640
<v Speaker 2>this hearing. And it's supposed to be a conversation and

0:12:54.640 --> 0:12:58.320
<v Speaker 2>it's supposed to be truth telling. However, Republicans use this

0:12:58.480 --> 0:13:01.400
<v Speaker 2>as basically a platform to just things at her and

0:13:01.640 --> 0:13:04.760
<v Speaker 2>use lies. At one point, this idiot congressman, I'm gonna

0:13:04.760 --> 0:13:06.040
<v Speaker 2>find his name in a second so I can just

0:13:06.080 --> 0:13:09.400
<v Speaker 2>call him out. He pulls up this chart and tells

0:13:09.480 --> 0:13:13.120
<v Speaker 2>cecil Richards this chart is showing that as the rate

0:13:13.160 --> 0:13:15.480
<v Speaker 2>of abortions that planned parenting goes up, the rate of

0:13:15.480 --> 0:13:19.200
<v Speaker 2>contraceptions given goes down. And Cecila's this is an excellent clip.

0:13:19.200 --> 0:13:21.480
<v Speaker 2>I'm gonna put it on our website. Cecilia is saying like,

0:13:21.640 --> 0:13:24.200
<v Speaker 2>I've never seen this chart before, and then she looks

0:13:24.200 --> 0:13:25.920
<v Speaker 2>to her left and she's like, actually, my lawyer has

0:13:26.000 --> 0:13:28.240
<v Speaker 2>just told me this chart was furnished by an anti

0:13:28.280 --> 0:13:30.520
<v Speaker 2>abortion group. You should check your sources.

0:13:30.640 --> 0:13:31.120
<v Speaker 1>Wow.

0:13:31.200 --> 0:13:34.920
<v Speaker 2>And his face is like there because like, how do

0:13:34.960 --> 0:13:37.360
<v Speaker 2>you and those and you know what, But so many

0:13:37.400 --> 0:13:39.920
<v Speaker 2>people will have just listened to that and cut off

0:13:39.960 --> 0:13:42.360
<v Speaker 2>at where he's like that gotcha moment. Yeah, and they

0:13:42.400 --> 0:13:44.319
<v Speaker 2>wouldn't hear that this is a lie because people just

0:13:44.400 --> 0:13:45.439
<v Speaker 2>want to hear what they want to believe.

0:13:45.559 --> 0:13:47.960
<v Speaker 1>Yeah, and that's really what it is people are gonna

0:13:48.080 --> 0:13:50.440
<v Speaker 1>I had to learn that, like when the whole like

0:13:51.559 --> 0:13:54.560
<v Speaker 1>Trayvon Martin, all these things were happening, like, you know,

0:13:54.960 --> 0:13:59.320
<v Speaker 1>because my friends are people who basically have similar belief systems,

0:13:59.520 --> 0:14:01.480
<v Speaker 1>so it was I felt like, oh, the sentiments kind

0:14:01.480 --> 0:14:03.200
<v Speaker 1>of the same. And then I would have maybe like

0:14:03.240 --> 0:14:05.000
<v Speaker 1>a one off friend that wasn't part of my normal

0:14:05.040 --> 0:14:08.080
<v Speaker 1>social circle and they would tell me what the sentiments

0:14:08.080 --> 0:14:09.840
<v Speaker 1>were going on in their timeline and I'm like what.

0:14:10.679 --> 0:14:15.040
<v Speaker 1>But then you realize, like, oh, so like people literally

0:14:15.080 --> 0:14:17.800
<v Speaker 1>like your timeline and what you're experiencing, what you're seeing

0:14:18.080 --> 0:14:19.960
<v Speaker 1>really is just a direct reflection of what you want

0:14:20.000 --> 0:14:22.960
<v Speaker 1>to see and experience. So you curate your life basically,

0:14:22.960 --> 0:14:25.240
<v Speaker 1>which you know that's just normal, you know, no judgment,

0:14:25.520 --> 0:14:28.560
<v Speaker 1>but it's just being careful not to get so safe

0:14:28.560 --> 0:14:30.200
<v Speaker 1>in that life that you've curated, to see that there

0:14:30.200 --> 0:14:32.040
<v Speaker 1>are other opinions out there that are there are just

0:14:32.080 --> 0:14:32.960
<v Speaker 1>as valid as yours.

0:14:32.960 --> 0:14:34.480
<v Speaker 2>That's why it's important to vote, and that's why so

0:14:34.520 --> 0:14:36.880
<v Speaker 2>many people don't vote, because they especially people like I

0:14:36.920 --> 0:14:38.920
<v Speaker 2>don't know, I don't know your beliefs, but like I'm

0:14:38.920 --> 0:14:41.920
<v Speaker 2>pretty moderate and so I'm not extremely conservative. I'm not

0:14:41.960 --> 0:14:44.560
<v Speaker 2>extremely liberal. So and the people who are winning these

0:14:44.600 --> 0:14:46.800
<v Speaker 2>elections are the ones, like the Trumps of the world,

0:14:46.840 --> 0:14:49.240
<v Speaker 2>I mean, Jesus extremely the ones you tap into these

0:14:49.280 --> 0:14:53.680
<v Speaker 2>like baser instincts, you know, xenophobia and racism, and these

0:14:53.800 --> 0:14:57.280
<v Speaker 2>can really really extreme left or rightists and leftist groups,

0:14:57.320 --> 0:14:58.840
<v Speaker 2>and those are the ones who go out and vote

0:14:58.840 --> 0:15:01.400
<v Speaker 2>because they get so upset by happening. And we need

0:15:01.440 --> 0:15:03.920
<v Speaker 2>to as moderates. If you're moderate out there, you kind

0:15:03.920 --> 0:15:06.200
<v Speaker 2>of feel complacent. You need to remember it's so important

0:15:06.240 --> 0:15:08.160
<v Speaker 2>to vote because look at how Trump's doing in the polls.

0:15:08.240 --> 0:15:14.280
<v Speaker 1>Yeah. Disgusting. Yeah, don't even get me. We had a

0:15:14.280 --> 0:15:16.000
<v Speaker 1>brown break on Trump and yet he brought him up.

0:15:16.000 --> 0:15:18.280
<v Speaker 1>I think Mandy should be in the botry.

0:15:18.320 --> 0:15:21.120
<v Speaker 2>I can't, but I'm wearing I'm wearing pink today for

0:15:21.200 --> 0:15:25.000
<v Speaker 2>Planned Parented and there's a hashtag I Stand I Stand

0:15:25.040 --> 0:15:27.600
<v Speaker 2>with p P which is for planned Parented, and it's

0:15:27.640 --> 0:15:29.240
<v Speaker 2>just been really great to see there was all these

0:15:29.320 --> 0:15:31.880
<v Speaker 2>rallies a day of the hearing out and supportive planned parented,

0:15:32.320 --> 0:15:35.840
<v Speaker 2>and I just we just have to keep spreading these truths,

0:15:36.280 --> 0:15:39.320
<v Speaker 2>you know, spread the truth when for every post you

0:15:39.360 --> 0:15:41.640
<v Speaker 2>see on your timeline of people spreading lives about planned

0:15:41.640 --> 0:15:44.480
<v Speaker 2>parented or issues of abortion, right, you know, go to

0:15:44.640 --> 0:15:46.880
<v Speaker 2>go to any website fact check dot org and just

0:15:46.920 --> 0:15:49.120
<v Speaker 2>put some facts up there just to like counter it.

0:15:49.440 --> 0:16:01.200
<v Speaker 1>Yeah, so my brand, bak is it's not quite as heavy.

0:16:02.080 --> 0:16:04.640
<v Speaker 2>Are you not gone yet? No? Okay, I feel like

0:16:04.640 --> 0:16:07.040
<v Speaker 2>I just sucked all the air out of my.

0:16:07.120 --> 0:16:10.160
<v Speaker 1>Brown break is I want a brown break from blackface?

0:16:10.600 --> 0:16:13.680
<v Speaker 1>So fair enough? How Halloween is coming up? Tis the

0:16:13.720 --> 0:16:16.720
<v Speaker 1>season for blackface, Tis the season for this foolishness. So

0:16:16.760 --> 0:16:20.640
<v Speaker 1>there's always one misinformed gentleman or a young woman.

0:16:20.840 --> 0:16:24.480
<v Speaker 2>Last year it was Juliane Huff. Yes, and oh well, Pauladine.

0:16:24.520 --> 0:16:26.960
<v Speaker 2>First of all, she wasn't Halloween. Was it Halloween?

0:16:27.000 --> 0:16:27.360
<v Speaker 1>I don't know.

0:16:27.400 --> 0:16:28.720
<v Speaker 2>Did you see where she like dressed up? It wasn't

0:16:28.720 --> 0:16:31.440
<v Speaker 2>even it was brown face. She dressed up as Lucy

0:16:31.680 --> 0:16:34.960
<v Speaker 2>and Ricky Ricardo her son was like with dark dark

0:16:34.960 --> 0:16:35.600
<v Speaker 2>brown ing up.

0:16:35.800 --> 0:16:37.960
<v Speaker 1>Whatever, Paladine and I have just so many more issues

0:16:38.000 --> 0:16:40.600
<v Speaker 1>besides the whole I use butter for everything, and I

0:16:40.600 --> 0:16:43.200
<v Speaker 1>think she's killing people slowly with her recipes and anyway,

0:16:43.400 --> 0:16:46.960
<v Speaker 1>and her oppressive racism anyway, So black face it's not

0:16:47.000 --> 0:16:49.920
<v Speaker 1>appropriate ever. People who are not brown, please do not

0:16:50.080 --> 0:16:53.480
<v Speaker 1>don black face. You don't have to, you don't. I mean,

0:16:53.520 --> 0:16:56.320
<v Speaker 1>I don't know why people think like every year something

0:16:56.320 --> 0:16:58.760
<v Speaker 1>comes out, like it'll be a frat house sorority house,

0:16:59.240 --> 0:17:01.640
<v Speaker 1>and then they'll post a picture of like, you know,

0:17:01.960 --> 0:17:04.560
<v Speaker 1>black paste on their face and big red lips, and

0:17:04.560 --> 0:17:07.879
<v Speaker 1>then they get bashed and yet and still every single

0:17:07.960 --> 0:17:10.440
<v Speaker 1>year some fool will say, you know what I want

0:17:10.440 --> 0:17:12.479
<v Speaker 1>to do. I want to just be as racist as

0:17:12.520 --> 0:17:15.320
<v Speaker 1>possible and post a picture of it. And it's gonna

0:17:15.320 --> 0:17:18.800
<v Speaker 1>be hlleious. It's not. We're gonna drag you. See. The

0:17:18.840 --> 0:17:22.040
<v Speaker 1>good thing is black Twitter is a real thing. It

0:17:22.119 --> 0:17:22.640
<v Speaker 1>is vicious.

0:17:22.720 --> 0:17:25.239
<v Speaker 2>They will please post a picture, yes, please do. They

0:17:25.280 --> 0:17:29.080
<v Speaker 2>will drag you for days, hours, years, We dare you

0:17:29.240 --> 0:17:30.000
<v Speaker 2>post a picture.

0:17:30.080 --> 0:17:31.440
<v Speaker 1>I will take a nap and wake up and black

0:17:31.480 --> 0:17:34.920
<v Speaker 1>Twitter will still be dragging. Oh god.

0:17:35.000 --> 0:17:37.520
<v Speaker 2>Yeah, I'm gonna make a prediction. I think that this

0:17:37.600 --> 0:17:39.520
<v Speaker 2>year's black face no Food is going to be someone

0:17:39.600 --> 0:17:42.080
<v Speaker 2>dressing up as lover and Cox. Okay, I think that'll

0:17:42.119 --> 0:17:42.440
<v Speaker 2>be the thing.

0:17:42.480 --> 0:17:45.560
<v Speaker 1>No, I think it's gonna be a Rachel Dolazar Someone's definitely,

0:17:45.600 --> 0:17:46.040
<v Speaker 1>But isn't that.

0:17:46.200 --> 0:17:48.280
<v Speaker 2>See I feel like Rachel so I saw a costume

0:17:48.280 --> 0:17:51.240
<v Speaker 2>for Rachel Dolozol. She's obviously she's the white woman from

0:17:51.320 --> 0:17:55.000
<v Speaker 2>who worked for the NAACP, And yeah, was faking as

0:17:55.000 --> 0:17:58.400
<v Speaker 2>if she was black. And that's like a costume this year.

0:17:58.560 --> 0:18:00.520
<v Speaker 2>But I feel like, if you want to black, if

0:18:00.520 --> 0:18:02.760
<v Speaker 2>you've ever thought about doing like a brown face black

0:18:02.760 --> 0:18:04.960
<v Speaker 2>face costume, this is your chance because you can. Like

0:18:05.000 --> 0:18:06.720
<v Speaker 2>that's the whole point is that she was like.

0:18:07.640 --> 0:18:10.800
<v Speaker 1>Listen to man, if you want to I'm telling you,

0:18:10.840 --> 0:18:12.080
<v Speaker 1>many don't get you drags.

0:18:14.119 --> 0:18:15.960
<v Speaker 2>But like I mean, if you're a white woman you

0:18:16.000 --> 0:18:17.600
<v Speaker 2>want to do Rachel Doles, I'll just put like some

0:18:17.640 --> 0:18:20.480
<v Speaker 2>bronzer on. I think that's I think that's accurate. Okay,

0:18:20.720 --> 0:18:22.359
<v Speaker 2>I don't think that's okay.

0:18:22.560 --> 0:18:24.359
<v Speaker 1>I mean, like I mean, but I always feel like

0:18:24.400 --> 0:18:26.280
<v Speaker 1>people just don't know how far to take it, so

0:18:26.320 --> 0:18:28.960
<v Speaker 1>it's just best to err on the side of caution. Okay, maybe,

0:18:29.080 --> 0:18:30.760
<v Speaker 1>don't you know, if you look in the mirror, you

0:18:30.760 --> 0:18:34.600
<v Speaker 1>think yourself. I might get dragged for this turn around

0:18:34.760 --> 0:18:37.840
<v Speaker 1>and say, Mandy, no, now, I mean, like I said,

0:18:37.840 --> 0:18:40.360
<v Speaker 1>you might do Rachel Dolazar without you know, going too

0:18:40.359 --> 0:18:41.840
<v Speaker 1>far with it, because I mean, I think, honestly, that's

0:18:41.840 --> 0:18:42.840
<v Speaker 1>a funny castule h.

0:18:43.200 --> 0:18:47.000
<v Speaker 2>So did you see SNL past SNL? They did? They

0:18:47.000 --> 0:18:51.760
<v Speaker 2>did an amazing Rachel Doles Vanessa Bear. Okay, I love

0:18:52.080 --> 0:18:54.920
<v Speaker 2>she's the redhead. She also does the funny Jewish kid

0:18:55.600 --> 0:18:57.840
<v Speaker 2>bought Mitzvah dude whatever his name is. So, but she

0:18:57.880 --> 0:18:59.600
<v Speaker 2>did not do brown face now that I remember it,

0:18:59.600 --> 0:19:01.840
<v Speaker 2>But she had curly black hair. Just reference her if

0:19:01.840 --> 0:19:04.080
<v Speaker 2>you want to do a tasteful Rachel Dola's just.

0:19:04.240 --> 0:19:06.840
<v Speaker 1>And honestly, remember you told me that Ellen did Nicki

0:19:06.880 --> 0:19:10.120
<v Speaker 1>Minaj right, and she didn't put on black face a bron,

0:19:10.160 --> 0:19:12.639
<v Speaker 1>It's possible we'll know who you are. Well no, well no,

0:19:12.760 --> 0:19:15.240
<v Speaker 1>you don't have to, don you know, black lacquer on

0:19:15.240 --> 0:19:41.680
<v Speaker 1>your face and think that that's funny.

0:19:30.920 --> 0:19:33.120
<v Speaker 2>Anyway, that was like a brown break slash tip.

0:19:33.359 --> 0:19:38.080
<v Speaker 1>Yeah. Ooh, speaking of tips, is it time for tips? Tips? Tips?

0:19:38.080 --> 0:19:40.159
<v Speaker 2>Are we gonna do tips first or wins? No?

0:19:40.200 --> 0:19:41.119
<v Speaker 1>I like to end with winds.

0:19:41.240 --> 0:19:45.000
<v Speaker 2>Okay, Yeah, let's start with tips. So this week, this

0:19:45.080 --> 0:19:46.960
<v Speaker 2>is a topic that will never get old. Yeah, you

0:19:47.000 --> 0:19:49.880
<v Speaker 2>can never you can never answer enough questions or say

0:19:49.920 --> 0:19:52.320
<v Speaker 2>the same things enough times. But people always want to

0:19:52.359 --> 0:19:54.560
<v Speaker 2>know how do I improve my credits for So.

0:19:54.520 --> 0:19:55.720
<v Speaker 1>We're me and many are going to give you a

0:19:55.720 --> 0:19:57.520
<v Speaker 1>few tips to the pizza. We'll go back and forth.

0:19:57.800 --> 0:20:01.240
<v Speaker 2>I have I have some very just it's like logistical.

0:20:01.359 --> 0:20:03.080
<v Speaker 2>You can find this. This is a pie chart that

0:20:03.119 --> 0:20:05.199
<v Speaker 2>I turn to every time someone asked me about their

0:20:05.240 --> 0:20:08.159
<v Speaker 2>credit score. It's on myfiico dot com. There is a

0:20:08.200 --> 0:20:10.320
<v Speaker 2>pie chart it It shows you exactly what goes into

0:20:10.320 --> 0:20:13.280
<v Speaker 2>your credit score. And the most important thing, which people

0:20:13.320 --> 0:20:16.119
<v Speaker 2>take for granted is on time payments. That is thirty

0:20:16.240 --> 0:20:19.080
<v Speaker 2>five percent of your fight go score. So if your

0:20:19.119 --> 0:20:21.640
<v Speaker 2>score is lowered if you've missed a payment, the most

0:20:21.640 --> 0:20:24.000
<v Speaker 2>important thing you can do is if the payment is

0:20:24.080 --> 0:20:26.800
<v Speaker 2>missed an error, like if you actually didn't make miss

0:20:26.800 --> 0:20:28.760
<v Speaker 2>a payment, you have to get the taken off your

0:20:28.760 --> 0:20:32.800
<v Speaker 2>credit report. So go file a dispute at all three

0:20:32.840 --> 0:20:35.639
<v Speaker 2>credit bureaus. It sucks, but you have to do it

0:20:35.640 --> 0:20:38.199
<v Speaker 2>at every single one. Get that taken off your report.

0:20:38.240 --> 0:20:39.680
<v Speaker 2>I guarantee your score will go.

0:20:39.680 --> 0:20:41.159
<v Speaker 1>Up and don't dispute online.

0:20:41.440 --> 0:20:43.320
<v Speaker 2>Don't dispute online. I found that online, So.

0:20:43.240 --> 0:20:44.960
<v Speaker 1>You have to be careful. So I found out from

0:20:44.960 --> 0:20:46.359
<v Speaker 1>a friend of mine who's like, I don't know, he

0:20:46.400 --> 0:20:49.520
<v Speaker 1>does like credit stuff for a living, right, and he

0:20:49.640 --> 0:20:53.280
<v Speaker 1>says that disputing online it's very tricky because sometimes it's

0:20:53.280 --> 0:20:54.720
<v Speaker 1>just like you know, I like they have that little

0:20:54.760 --> 0:20:59.080
<v Speaker 1>like waiver box, and sometimes there's like the wording by

0:20:59.119 --> 0:21:02.119
<v Speaker 1>that little waiver box. It's basically that you cannot redispute

0:21:02.280 --> 0:21:05.200
<v Speaker 1>that basically by checking this box and disputing online. It's

0:21:05.200 --> 0:21:06.760
<v Speaker 1>not for all of them. It'll say something like you

0:21:06.800 --> 0:21:10.040
<v Speaker 1>know that you are agreeing to whatever the decision is made.

0:21:10.200 --> 0:21:12.280
<v Speaker 1>So you want to be careful about disputing online because

0:21:12.280 --> 0:21:13.760
<v Speaker 1>you don't want to wave away your rights and say

0:21:13.880 --> 0:21:16.119
<v Speaker 1>because you like, let's just say they're like Mandy, you

0:21:16.160 --> 0:21:18.560
<v Speaker 1>were late, and Mandy says, no, I wasn't, and she

0:21:18.640 --> 0:21:20.719
<v Speaker 1>writes a letter or facts is a letter, and so

0:21:20.720 --> 0:21:23.520
<v Speaker 1>Mandy can redispute and say no, I was not. But

0:21:23.560 --> 0:21:25.760
<v Speaker 1>if she clicks that box by a mistake or fails

0:21:25.760 --> 0:21:29.280
<v Speaker 1>to read the fine print and it's there, then it's like, well, technically, Mandy,

0:21:29.359 --> 0:21:32.160
<v Speaker 1>you've already waved away your right. So no, you were late.

0:21:32.280 --> 0:21:32.840
<v Speaker 2>Yeah, I know that.

0:21:33.000 --> 0:21:35.359
<v Speaker 1>So just one Yeah, just be careful about disputing online.

0:21:35.520 --> 0:21:39.440
<v Speaker 2>I guess, use your judgment. Yeah, I've successfully disputed stuff.

0:21:39.480 --> 0:21:41.080
<v Speaker 2>I would say, just make sure that you're in the right.

0:21:41.119 --> 0:21:43.040
<v Speaker 2>I mean, if it's like, if you feel like this

0:21:43.160 --> 0:21:44.639
<v Speaker 2>is absolutely it's going to be hard for them to

0:21:44.680 --> 0:21:47.119
<v Speaker 2>prove this is clearly an error and go ahead and

0:21:47.119 --> 0:21:52.720
<v Speaker 2>dispute online. It's easier. It sucks to I mean, yeah, anyway, I'm.

0:21:52.520 --> 0:21:54.520
<v Speaker 1>Not going to So thirty percent of your score. So

0:21:54.560 --> 0:21:56.960
<v Speaker 1>thirty five is like on time payments and thirty percent.

0:21:57.000 --> 0:21:58.679
<v Speaker 1>So to me, this is like the hidden little secret

0:21:58.760 --> 0:22:02.680
<v Speaker 1>that people don't tell you. It's like your utilization. That's

0:22:02.720 --> 0:22:03.960
<v Speaker 1>like the big buzzword right now.

0:22:04.040 --> 0:22:07.159
<v Speaker 2>Yeah, so describe utilization. I feel like people don't get it.

0:22:07.200 --> 0:22:10.560
<v Speaker 1>So utilization basically is how much of the credit that

0:22:10.640 --> 0:22:13.080
<v Speaker 1>it has been extended to you are you actually using,

0:22:13.160 --> 0:22:15.720
<v Speaker 1>Meaning like you have a credit card, it's one hundred

0:22:15.720 --> 0:22:19.560
<v Speaker 1>dollars a limit, and you're using fifty dollars of the

0:22:19.560 --> 0:22:22.000
<v Speaker 1>one hundred dollars that has been extended, So your utilization

0:22:22.240 --> 0:22:24.119
<v Speaker 1>is fifty percent, which is too high.

0:22:24.840 --> 0:22:27.640
<v Speaker 2>The magic number for utilization is thirty percent or less

0:22:27.680 --> 0:22:29.840
<v Speaker 2>I've read, although I always say ten percent or less

0:22:29.920 --> 0:22:30.280
<v Speaker 2>just to be.

0:22:30.240 --> 0:22:33.399
<v Speaker 1>Safe, ten percent is like really ideal. Thirty You should

0:22:33.400 --> 0:22:36.399
<v Speaker 1>consider thirty your max. That's totally. A credit person told me.

0:22:36.440 --> 0:22:38.280
<v Speaker 1>They were like, thirty is your max. So if you

0:22:38.280 --> 0:22:40.679
<v Speaker 1>have one hundred dollars limit, then you should not be

0:22:40.680 --> 0:22:43.040
<v Speaker 1>swiping more than thirty dollars at a time. Should be

0:22:43.320 --> 0:22:44.680
<v Speaker 1>like that you should have on that card.

0:22:44.840 --> 0:22:47.600
<v Speaker 2>Well, basically, you take up all the credit cards, you have,

0:22:47.960 --> 0:22:50.000
<v Speaker 2>all the available limits. Let's say it adds up to

0:22:50.000 --> 0:22:52.440
<v Speaker 2>ten thousand. That means across all your cards, you should

0:22:52.440 --> 0:22:54.920
<v Speaker 2>have less than three thousand dollars. That's the basic way

0:22:54.920 --> 0:22:57.160
<v Speaker 2>of explaining it. I just I told my little brother,

0:22:57.200 --> 0:22:59.399
<v Speaker 2>he recently got his first one of his first credit cards.

0:22:59.440 --> 0:23:02.399
<v Speaker 2>I said, your limit is a fake. You need to

0:23:02.440 --> 0:23:04.760
<v Speaker 2>tell yourself your limit is thirty percent of whatever the.

0:23:04.720 --> 0:23:06.879
<v Speaker 1>Actual That's actually a really good way to think about it.

0:23:06.920 --> 0:23:09.119
<v Speaker 2>That's what I do for myself, and so that's a

0:23:09.160 --> 0:23:12.080
<v Speaker 2>really important thing to do. What's some more, Oh, one

0:23:12.080 --> 0:23:13.560
<v Speaker 2>of my friends, this is a myth. I don't know

0:23:13.600 --> 0:23:15.760
<v Speaker 2>how this myth keeps going on and on, but I

0:23:15.800 --> 0:23:18.439
<v Speaker 2>hear this again and again. My friend got it. He

0:23:18.480 --> 0:23:20.240
<v Speaker 2>had pretty bad credit and then he got a proved

0:23:20.240 --> 0:23:21.960
<v Speaker 2>for a credit card. He's like, oh, manday, you gotta prove.

0:23:22.000 --> 0:23:24.520
<v Speaker 2>It's a two thousand dollars limit. It's awesome. I've already

0:23:24.680 --> 0:23:25.920
<v Speaker 2>charged sixteen hundred dollars.

0:23:26.040 --> 0:23:27.000
<v Speaker 1>Isn't that great?

0:23:27.240 --> 0:23:29.440
<v Speaker 2>I'm like, why is that a good thing? You're way

0:23:29.680 --> 0:23:31.680
<v Speaker 2>almost maxed out. You're like, oh, but isn't it good

0:23:31.720 --> 0:23:32.840
<v Speaker 2>to keep charging?

0:23:33.040 --> 0:23:36.359
<v Speaker 1>No, you know who's selling that live We know credit

0:23:36.400 --> 0:23:36.959
<v Speaker 1>card company.

0:23:37.080 --> 0:23:40.560
<v Speaker 2>Yes, yes, well they're especially with us. I hate these

0:23:40.560 --> 0:23:43.040
<v Speaker 2>offers unless you okay, so this is a good thing

0:23:43.040 --> 0:23:45.480
<v Speaker 2>and a bad thing. These like bonus if you spend

0:23:45.520 --> 0:23:48.600
<v Speaker 2>four thousand dollars, we'll give you one hundred dollars free. Like,

0:23:48.720 --> 0:23:51.000
<v Speaker 2>but you have to spend four thousand dollars, well, I

0:23:51.040 --> 0:23:53.679
<v Speaker 2>guess the more realistic example is like spend five hundred

0:23:53.680 --> 0:23:56.119
<v Speaker 2>and get fifty bucks free or something like that. Unless

0:23:56.160 --> 0:23:57.600
<v Speaker 2>you have that money and you can pay it off

0:23:57.680 --> 0:24:00.000
<v Speaker 2>right away, Yep, it's not worth it. Don't do it

0:24:00.000 --> 0:24:02.440
<v Speaker 2>because all you're gonna end up doing is carrying a balance.

0:24:02.119 --> 0:24:04.040
<v Speaker 1>And that interest that fifty dollars you're gonna have to

0:24:04.040 --> 0:24:04.879
<v Speaker 1>pay an interest anyway.

0:24:05.040 --> 0:24:07.960
<v Speaker 2>Yes, So that do not do not charge more than

0:24:07.960 --> 0:24:09.600
<v Speaker 2>you can afford to pay off every month.

0:24:09.440 --> 0:24:12.160
<v Speaker 1>Every month, And honestly, that's the magic make your credit

0:24:12.160 --> 0:24:14.040
<v Speaker 1>score jump. Like Jordan trick that if you can pay

0:24:14.080 --> 0:24:16.600
<v Speaker 1>off your credit card every month in full, it doesn't

0:24:16.640 --> 0:24:18.600
<v Speaker 1>matter if it's eight dollars. People don't realize it's not

0:24:18.600 --> 0:24:21.240
<v Speaker 1>about the amount, it's the habit that they're really recording.

0:24:21.440 --> 0:24:23.080
<v Speaker 1>So it can be eight thousand dollars a month, it

0:24:23.080 --> 0:24:25.080
<v Speaker 1>could be eight dollars a month, but it really helps

0:24:25.080 --> 0:24:26.320
<v Speaker 1>to strengthen your credit score.

0:24:26.680 --> 0:24:28.320
<v Speaker 2>If you want to strengthen your credit and this is

0:24:28.320 --> 0:24:30.440
<v Speaker 2>what a lot of actually parents will do for their kids.

0:24:30.520 --> 0:24:32.040
<v Speaker 2>Then your dad do this. They open up a credit

0:24:32.119 --> 0:24:34.359
<v Speaker 2>card for you and just charge one small bill and

0:24:34.359 --> 0:24:35.560
<v Speaker 2>then you pay it off every month. And that's a

0:24:35.600 --> 0:24:37.480
<v Speaker 2>good way to And if you have a if you

0:24:37.480 --> 0:24:39.200
<v Speaker 2>have a credit card that it's old, it's when of

0:24:39.200 --> 0:24:41.560
<v Speaker 2>your older credit cards, and it's good to have old

0:24:41.560 --> 0:24:43.679
<v Speaker 2>credit cards on your account and you want to keep

0:24:43.680 --> 0:24:45.960
<v Speaker 2>it active, just you know, charge your light bill or

0:24:46.000 --> 0:24:47.600
<v Speaker 2>your seamless.

0:24:47.200 --> 0:24:49.960
<v Speaker 1>I would say, like Netflix, you know right, so like

0:24:50.040 --> 0:24:52.440
<v Speaker 1>and then automate it, like leave that card home. Netflix

0:24:52.520 --> 0:24:55.000
<v Speaker 1>charges eight dollars a month and have your your bank

0:24:55.000 --> 0:24:58.080
<v Speaker 1>account pay off eight thousand months, like an automated circle

0:24:58.160 --> 0:24:59.720
<v Speaker 1>that you're not even a power of, and that card

0:24:59.720 --> 0:25:02.719
<v Speaker 1>just stay home. Or like what a lot of parents do,

0:25:02.760 --> 0:25:04.479
<v Speaker 1>which is smart too, is that you can add your

0:25:04.520 --> 0:25:06.639
<v Speaker 1>kid on as an authorized user and not give them

0:25:06.680 --> 0:25:09.720
<v Speaker 1>a card, so you can inherit the good behavior from

0:25:09.720 --> 0:25:12.080
<v Speaker 1>that card. Right, So that's another thing that a lot

0:25:12.119 --> 0:25:13.760
<v Speaker 1>of parents are like, Oh, you're going off the college,

0:25:13.840 --> 0:25:16.359
<v Speaker 1>no card for you, but I will definitely start to

0:25:16.359 --> 0:25:18.399
<v Speaker 1>grow your credit score as you're away at school, so

0:25:18.480 --> 0:25:21.159
<v Speaker 1>that way, when you finish school, you actually have you know,

0:25:21.280 --> 0:25:24.480
<v Speaker 1>a decent amount of credit history and a strong enough

0:25:24.480 --> 0:25:25.879
<v Speaker 1>score so you can move out.

0:25:26.080 --> 0:25:28.760
<v Speaker 2>So I'm looking at this FICO score chart, and again

0:25:28.800 --> 0:25:30.720
<v Speaker 2>the FIGHTO score is the one that all of the

0:25:30.840 --> 0:25:34.320
<v Speaker 2>lenders mostly use. There's these websites that are awesome where

0:25:34.359 --> 0:25:35.960
<v Speaker 2>you can track your credit score and get your credit

0:25:36.000 --> 0:25:40.160
<v Speaker 2>report for free, Credit Karma, credit dot Com, credit sessame Quizzle.

0:25:40.359 --> 0:25:42.439
<v Speaker 2>These are great websites to monitor your credit. But your

0:25:42.440 --> 0:25:44.760
<v Speaker 2>FIGHTO score is what people are really looking out. So

0:25:45.000 --> 0:25:46.400
<v Speaker 2>I'm looking at it right now. And like we said,

0:25:46.400 --> 0:25:48.840
<v Speaker 2>payment history, that's your number of on time payments. That's

0:25:48.840 --> 0:25:51.040
<v Speaker 2>thirty five percent of your score. The next one is

0:25:51.080 --> 0:25:53.680
<v Speaker 2>how much you owe. We've talked about ut utilization, so

0:25:53.720 --> 0:25:55.520
<v Speaker 2>that's thirty percent of your score. And right there that's

0:25:55.560 --> 0:25:57.800
<v Speaker 2>sixty five percent of your score. If you pay on

0:25:57.880 --> 0:26:00.800
<v Speaker 2>time and keep your balances below thirty percent of how

0:26:00.880 --> 0:26:03.240
<v Speaker 2>much you can actually charge, you're already golden.

0:26:03.359 --> 0:26:03.600
<v Speaker 1>Yep.

0:26:03.840 --> 0:26:05.960
<v Speaker 2>After that, it's little things. It's the mix of credit

0:26:06.040 --> 0:26:08.720
<v Speaker 2>you have that means not just having like having all

0:26:08.760 --> 0:26:11.000
<v Speaker 2>credit cards, like especially having a bunch of like store

0:26:11.000 --> 0:26:12.239
<v Speaker 2>credit cards does not look good.

0:26:12.359 --> 0:26:13.760
<v Speaker 1>Does not look good. They like to see, like it's

0:26:13.800 --> 0:26:15.679
<v Speaker 1>almost like they like to see, Oh, she's got experience.

0:26:15.720 --> 0:26:18.080
<v Speaker 1>She's got a mortgage and a credit card and a

0:26:18.080 --> 0:26:20.720
<v Speaker 1>student loan, so like she's like someone who has experienced

0:26:20.720 --> 0:26:23.119
<v Speaker 1>in different types of blending and borrowering and autoly.

0:26:23.160 --> 0:26:26.680
<v Speaker 2>Yeah, like it exactly perfectly said. Next is length of

0:26:26.720 --> 0:26:29.199
<v Speaker 2>credit history. This is fifteen percent. And we just we

0:26:29.280 --> 0:26:32.360
<v Speaker 2>mentioned that that's how old your credit is. I have

0:26:32.520 --> 0:26:34.919
<v Speaker 2>a credit card that has a really stinking high interest

0:26:35.000 --> 0:26:38.080
<v Speaker 2>rate from Bank of America that I got too, A

0:26:38.240 --> 0:26:41.320
<v Speaker 2>got you too. Yes, they came to my college campus. Yes,

0:26:42.160 --> 0:26:44.399
<v Speaker 2>and I fell hook line and sinker. It's like I

0:26:44.440 --> 0:26:46.359
<v Speaker 2>don't know. It was a three hundred dollars limit when

0:26:46.359 --> 0:26:48.080
<v Speaker 2>I first got it, and I would max that baby

0:26:48.119 --> 0:26:50.520
<v Speaker 2>out every like I don't know it was. I was

0:26:50.560 --> 0:26:52.560
<v Speaker 2>constantly like paying off ten dollars and then charge in

0:26:52.640 --> 0:26:54.600
<v Speaker 2>like lunch, and then just keeping it at three hundred.

0:26:54.960 --> 0:26:57.080
<v Speaker 2>But so I paid it off, finally got my act

0:26:57.119 --> 0:26:59.480
<v Speaker 2>together and I just charge. I charge like one thing

0:26:59.520 --> 0:27:02.439
<v Speaker 2>everyone my gym membership, I think on that card, and

0:27:02.560 --> 0:27:06.480
<v Speaker 2>you don't want to cancel. The only reason I tell people, yeah,

0:27:06.480 --> 0:27:08.640
<v Speaker 2>it's okay to cancel an older account is if there's

0:27:08.680 --> 0:27:10.520
<v Speaker 2>a crazy high annual fee annual feed.

0:27:10.560 --> 0:27:12.000
<v Speaker 1>You don't want to have to pay an annual fee.

0:27:12.040 --> 0:27:14.240
<v Speaker 1>But keeping that old credit card open will really help

0:27:14.280 --> 0:27:16.639
<v Speaker 1>you with length of credit history, cause basically it's like

0:27:17.400 --> 0:27:19.159
<v Speaker 1>that they don't want to if you are a new

0:27:19.200 --> 0:27:21.040
<v Speaker 1>bar it's like being a new driver. A new driver

0:27:21.119 --> 0:27:23.480
<v Speaker 1>is a bad driver because you don't have experience, you know,

0:27:23.800 --> 0:27:25.520
<v Speaker 1>and so you don't want to say, like, you know.

0:27:25.520 --> 0:27:27.359
<v Speaker 1>It's the difference between saying, oh, I got my license

0:27:27.440 --> 0:27:29.560
<v Speaker 1>yesterday and I've never been an accident. It's different from

0:27:29.600 --> 0:27:31.640
<v Speaker 1>saying I got my license ten years ago and I'd

0:27:31.680 --> 0:27:34.880
<v Speaker 1>never been an accident exactly, So keep your keep basically

0:27:34.880 --> 0:27:38.119
<v Speaker 1>your experience on the books precisely.

0:27:38.600 --> 0:27:40.199
<v Speaker 2>And last but not at least ten percent of your

0:27:40.200 --> 0:27:42.879
<v Speaker 2>score is how much new credit you take out. Yes,

0:27:43.200 --> 0:27:46.840
<v Speaker 2>they're called they're called hard inquiries. Whenever you go to

0:27:46.880 --> 0:27:48.320
<v Speaker 2>a store, go to the Gap, and they're like, do

0:27:48.320 --> 0:27:50.040
<v Speaker 2>you want to get a Gap card? And then what

0:27:50.080 --> 0:27:51.080
<v Speaker 2>you're really saying.

0:27:50.960 --> 0:27:52.920
<v Speaker 1>Is you want to you want to lose some points

0:27:53.240 --> 0:27:56.119
<v Speaker 1>right quick. Yeah, you know you can lose up to

0:27:56.160 --> 0:27:57.040
<v Speaker 1>like thirty points.

0:27:57.240 --> 0:27:58.440
<v Speaker 2>Really, I believe it.

0:27:58.240 --> 0:28:01.200
<v Speaker 1>But it depends if you keep getting repeat like store cards,

0:28:01.240 --> 0:28:02.760
<v Speaker 1>like up to third that's really once.

0:28:02.920 --> 0:28:05.119
<v Speaker 2>I mean if you can manage it. Honestly, if you

0:28:05.119 --> 0:28:06.600
<v Speaker 2>shop at the Gap you have kids and you know

0:28:06.600 --> 0:28:08.520
<v Speaker 2>you're gonna at the Gap or wherever Old Navy for

0:28:08.600 --> 0:28:10.800
<v Speaker 2>their clothes and you need that discount and you can

0:28:10.840 --> 0:28:13.600
<v Speaker 2>manage it, then okay, but don't go and get three

0:28:13.680 --> 0:28:15.199
<v Speaker 2>more story, don't go to them all and like from

0:28:15.240 --> 0:28:18.359
<v Speaker 2>ever get a Forever twenty one card or yeah, my sister,

0:28:18.640 --> 0:28:20.360
<v Speaker 2>I'm not gonna call her out anyway whatever to keep

0:28:20.400 --> 0:28:27.520
<v Speaker 2>over that. You know, she's getting married. I can't, I can't.

0:28:27.640 --> 0:28:29.280
<v Speaker 2>I can't call her out like that. But lots of

0:28:29.320 --> 0:28:31.280
<v Speaker 2>people get at store credit cards and they get you

0:28:31.280 --> 0:28:34.040
<v Speaker 2>with that, with that, you know, twenty percent off today,

0:28:34.440 --> 0:28:36.800
<v Speaker 2>but then they're gonna charge you twenty percent interest. I

0:28:36.840 --> 0:28:39.360
<v Speaker 2>mean as a minimum and a minimum minimum.

0:28:39.360 --> 0:28:41.360
<v Speaker 1>Store cards are typically like what twenty five.

0:28:41.320 --> 0:28:43.560
<v Speaker 2>Mike Cole's credit card is twenty three percent? Well, I

0:28:43.560 --> 0:28:44.240
<v Speaker 2>have great credit.

0:28:44.480 --> 0:28:45.000
<v Speaker 1>That's crazy.

0:28:45.000 --> 0:28:46.560
<v Speaker 2>They won't lower it. I called them to ask them

0:28:46.560 --> 0:28:47.320
<v Speaker 2>to lower it. They don't.

0:28:47.360 --> 0:28:50.840
<v Speaker 1>Love that's what store cards make their money off of it. Honestly,

0:28:50.920 --> 0:28:52.719
<v Speaker 1>it just doesn't make sense. If you can't buy the shirt, now,

0:28:52.760 --> 0:28:55.360
<v Speaker 1>don't get the shirt. And the good thing is they

0:28:55.360 --> 0:28:57.719
<v Speaker 1>have really brought back lay away. Remember lay away. My

0:28:57.720 --> 0:29:00.640
<v Speaker 1>mother used to lay away some kids. My mom and

0:29:00.720 --> 0:29:02.880
<v Speaker 1>dad had five kids, so I mean layaway was like

0:29:02.920 --> 0:29:05.400
<v Speaker 1>the jam, right, and so I just remember like sometimes

0:29:05.400 --> 0:29:07.880
<v Speaker 1>going with her to Bradley's that was Target before Target

0:29:07.880 --> 0:29:10.080
<v Speaker 1>for you youngins out there, and we would go to

0:29:10.080 --> 0:29:12.440
<v Speaker 1>Bradley's sometimes literally just to put some money down, Like,

0:29:12.440 --> 0:29:14.520
<v Speaker 1>oh baby, I go to go to Bradley's real quick,

0:29:14.520 --> 0:29:15.840
<v Speaker 1>put some money down on your school clothes?

0:29:18.200 --> 0:29:21.480
<v Speaker 2>Yeah, Walmart, so a Kmart, Yes, sometimes there's some fees,

0:29:21.560 --> 0:29:24.400
<v Speaker 2>I feel like, so always check the fine print, but.

0:29:24.320 --> 0:29:26.160
<v Speaker 1>I believe like Kmart's layway, I don't think they there

0:29:26.160 --> 0:29:28.040
<v Speaker 1>are any fees, which is awesome compair of them.

0:29:28.120 --> 0:29:30.640
<v Speaker 2>Yeah, there's always good sites you can compare layaways for.

0:29:31.480 --> 0:29:34.560
<v Speaker 2>So that's the bulk of credit tips. I know you

0:29:34.560 --> 0:29:36.920
<v Speaker 2>guys probably have some weird credit questions we haven't even

0:29:36.920 --> 0:29:40.680
<v Speaker 2>gotten into, like balance transfers or debt consolidation. What to

0:29:40.720 --> 0:29:43.080
<v Speaker 2>do if like your boyfriend's credit sucks and you guys

0:29:43.080 --> 0:29:45.080
<v Speaker 2>are moving in together. We'd love to you know, if

0:29:45.080 --> 0:29:48.080
<v Speaker 2>you guys have questions, email us at Brown Ambition Podcast

0:29:48.080 --> 0:29:49.480
<v Speaker 2>at gmail dot com.

0:29:49.280 --> 0:29:52.560
<v Speaker 1>Or tweet us at at the BA podcast.

0:29:52.720 --> 0:29:55.440
<v Speaker 2>We should have them written on cards because like always pause.

0:29:56.440 --> 0:29:58.480
<v Speaker 1>And on Facebook, Brad Ambition.

0:29:58.880 --> 0:30:01.560
<v Speaker 2>Yeah, join the Facebook group. We post way more than

0:30:01.600 --> 0:30:04.080
<v Speaker 2>what we talk about on the air on the Facebook group.

0:30:04.080 --> 0:30:06.720
<v Speaker 2>It's it's becoming a really fun place to share and

0:30:06.760 --> 0:30:08.200
<v Speaker 2>like get involved in what we talk about.

0:30:17.640 --> 0:30:19.440
<v Speaker 1>Yeah, so that was good.

0:30:19.440 --> 0:30:22.760
<v Speaker 2>I like those tips tips done? Moving on to winds

0:30:22.920 --> 0:30:25.640
<v Speaker 2>of the week. Yes, so are ending on a high

0:30:25.720 --> 0:30:26.120
<v Speaker 2>note here?

0:30:26.280 --> 0:30:29.959
<v Speaker 1>Yes? So I really want to shout out my girl,

0:30:30.320 --> 0:30:31.560
<v Speaker 1>my buddy.

0:30:31.320 --> 0:30:34.280
<v Speaker 2>Mine too, mine too, her ears first.

0:30:34.240 --> 0:30:39.800
<v Speaker 1>Right, Marcia Marcia Marcia Marcia Horton Barnes, You lady are amazing.

0:30:40.200 --> 0:30:43.840
<v Speaker 1>You is smart, You is intelligent. No, honestly, Marshall. So,

0:30:43.880 --> 0:30:46.880
<v Speaker 1>Marcia is a friend of Manny's and eyes and she

0:30:47.040 --> 0:30:52.000
<v Speaker 1>started this amazing initiative called the Finance Bar, which is

0:30:52.000 --> 0:30:54.480
<v Speaker 1>a mobile hub. She took a school bus and she

0:30:54.600 --> 0:30:59.160
<v Speaker 1>renovated it and it's so cute and she basically drives

0:30:59.200 --> 0:31:03.959
<v Speaker 1>around Charlotte and surrounding areas and brings financial education to schools.

0:31:04.560 --> 0:31:07.520
<v Speaker 1>I think she has done homeless shelters and basically the

0:31:07.520 --> 0:31:11.600
<v Speaker 1>places that people would normally not get financial education. And

0:31:11.680 --> 0:31:13.360
<v Speaker 1>if you've ever met Marcia, she is just like the

0:31:13.400 --> 0:31:18.080
<v Speaker 1>sweetest and just the dopest and just to see her

0:31:18.080 --> 0:31:20.400
<v Speaker 1>get her recognition. So she was on the front page

0:31:20.400 --> 0:31:22.840
<v Speaker 1>of Yahoo Finance not too long ago thanks to Mandy.

0:31:23.080 --> 0:31:24.520
<v Speaker 2>Yeah, you guys should go che If you want to

0:31:24.520 --> 0:31:26.960
<v Speaker 2>see the bus, go check out my story on Yahoo Finance.

0:31:27.120 --> 0:31:29.600
<v Speaker 2>Finance at Yahoo dot com or just google it or sorry,

0:31:29.680 --> 0:31:32.560
<v Speaker 2>Yahoo search it. Marcia Buns Barns up. Could you have

0:31:32.720 --> 0:31:34.600
<v Speaker 2>you did a whole video interview with her and you

0:31:34.600 --> 0:31:36.640
<v Speaker 2>get to see the entire interior of the bus.

0:31:36.520 --> 0:31:39.000
<v Speaker 1>It's so cute, cute, So we all for fin Con.

0:31:39.160 --> 0:31:41.360
<v Speaker 1>For those of you who remember us talking about Fincann,

0:31:41.360 --> 0:31:45.200
<v Speaker 1>they're like Finn again the Financial Blockers. So we all

0:31:45.240 --> 0:31:48.520
<v Speaker 1>wakes ago. So we all went down to Fincann and

0:31:48.600 --> 0:31:50.760
<v Speaker 1>Charlotte and Marsha's and Charlotte, so we all kind of

0:31:50.800 --> 0:31:53.280
<v Speaker 1>went took pictures by the bus. It's just even better

0:31:53.320 --> 0:31:56.480
<v Speaker 1>in person. And honestly, she's just such a dope, cool,

0:31:57.080 --> 0:31:59.680
<v Speaker 1>chill chick. And I just want to say congratulations Marsha

0:31:59.560 --> 0:32:02.480
<v Speaker 1>because remember so I met Marshall maybe like two years ago.

0:32:02.560 --> 0:32:04.280
<v Speaker 1>She reached out to me on social media. It was like, oh,

0:32:04.280 --> 0:32:05.800
<v Speaker 1>I love what you're doing, dope chick. And I'm like,

0:32:05.840 --> 0:32:08.160
<v Speaker 1>well you too, dope check and she's like, we should

0:32:08.160 --> 0:32:10.400
<v Speaker 1>form a group. And so we formed a super group

0:32:10.480 --> 0:32:13.480
<v Speaker 1>called the Frugal Fab Five. It was five brown girls

0:32:13.480 --> 0:32:16.360
<v Speaker 1>who believed in teaching financial education and Marshall kind of

0:32:16.360 --> 0:32:19.080
<v Speaker 1>brought us together. And although we don't like tour and

0:32:19.120 --> 0:32:25.240
<v Speaker 1>stuff like we used to, I know, like Destiny's Child,

0:32:25.280 --> 0:32:26.920
<v Speaker 1>but honestly no, we used to like travel all over

0:32:26.960 --> 0:32:29.760
<v Speaker 1>and teach financial education together. But still we're all super

0:32:29.760 --> 0:32:33.760
<v Speaker 1>supportive and Marsha was just on NPR, I mean, learn best,

0:32:33.760 --> 0:32:35.720
<v Speaker 1>I mean she has been all over I think ABC

0:32:35.880 --> 0:32:38.840
<v Speaker 1>News did like this whole story on her and just

0:32:38.840 --> 0:32:41.560
<v Speaker 1>to see her kind of get like the limelight shine her,

0:32:41.560 --> 0:32:43.480
<v Speaker 1>because Marsha's not really like a limelight girl, but I

0:32:43.520 --> 0:32:45.360
<v Speaker 1>just love to see, like, you know, that she's shining

0:32:45.400 --> 0:32:46.200
<v Speaker 1>bright as she off to.

0:32:46.480 --> 0:32:48.000
<v Speaker 2>The best end we have to I have to. I

0:32:48.040 --> 0:32:50.080
<v Speaker 2>think the most interesting thing for me learning more about

0:32:50.080 --> 0:32:52.040
<v Speaker 2>her story when I when I covered it for y'allhoo,

0:32:52.120 --> 0:32:54.120
<v Speaker 2>was that she invested all of her own money into this,

0:32:54.600 --> 0:32:56.760
<v Speaker 2>all of her savings, and she really threw her life

0:32:56.760 --> 0:32:59.560
<v Speaker 2>into it and took a huge gamble. And it's only

0:32:59.560 --> 0:33:01.959
<v Speaker 2>been around for what this will be a year in November,

0:33:02.360 --> 0:33:04.520
<v Speaker 2>So I just really want to support her. She just

0:33:04.560 --> 0:33:07.040
<v Speaker 2>got her status, has five O five oh one C

0:33:07.200 --> 0:33:09.880
<v Speaker 2>three nonprofit status, approof which means she can now take

0:33:10.200 --> 0:33:13.880
<v Speaker 2>donations and grants. So go check out her website, Thefinancebar

0:33:14.040 --> 0:33:17.360
<v Speaker 2>dot com and donate. You can join her virtual members

0:33:17.360 --> 0:33:20.240
<v Speaker 2>clubs only only ten dollars a month, and she has

0:33:20.360 --> 0:33:24.840
<v Speaker 2>weekly or monthly webinars and financial education tools. There's an app.

0:33:25.000 --> 0:33:26.280
<v Speaker 2>It's so it's so, it's amazing.

0:33:26.320 --> 0:33:27.880
<v Speaker 1>She's just amazing, honestly.

0:33:27.600 --> 0:33:28.160
<v Speaker 2>Yay Marcia.

0:33:28.280 --> 0:33:30.880
<v Speaker 1>I know yay. I can just see Marsha's like, oh

0:33:31.000 --> 0:33:33.520
<v Speaker 1>babies think because Marcia Southern, well, she's so cute. She's

0:33:33.520 --> 0:33:35.720
<v Speaker 1>gonna be like, oh, Tip, I just love you, Tip.

0:33:38.680 --> 0:33:39.400
<v Speaker 1>So who's your win?

0:33:39.680 --> 0:33:42.480
<v Speaker 2>My win this week? Because I've struggled with my weight,

0:33:42.520 --> 0:33:44.720
<v Speaker 2>probably my entire life. I come from a family my

0:33:44.800 --> 0:33:47.400
<v Speaker 2>dad used to own a soul food restaurant. Yes, probably

0:33:47.440 --> 0:33:49.520
<v Speaker 2>like half of my dad's family has suffered from some

0:33:50.120 --> 0:33:52.560
<v Speaker 2>form of like diabet us or weight related.

0:33:52.640 --> 0:33:53.560
<v Speaker 1>Did you say diabetes?

0:33:53.560 --> 0:33:58.360
<v Speaker 2>Diabetes the sugar, the sugar. It's it's funny but so

0:33:58.360 --> 0:34:00.960
<v Speaker 2>sad like I've had I've had family members who have

0:34:01.040 --> 0:34:04.720
<v Speaker 2>died from complications with diabetes, and it's and I was

0:34:04.840 --> 0:34:07.120
<v Speaker 2>very overweight as a child, and I struggle with weight

0:34:07.160 --> 0:34:09.839
<v Speaker 2>my whole life. YadA, YadA, YadA, YadA. So I want

0:34:09.840 --> 0:34:12.640
<v Speaker 2>to call out for my win of the week Shonda rhymes.

0:34:12.880 --> 0:34:15.480
<v Speaker 2>So we already like as if I could love her anymore,

0:34:15.640 --> 0:34:20.560
<v Speaker 2>like respect her anymore. She basically owns Thursday night television

0:34:20.600 --> 0:34:23.920
<v Speaker 2>with three shows. She's a badass showrunner, like one of

0:34:23.960 --> 0:34:26.359
<v Speaker 2>the only black female showrunners that has all these shows

0:34:26.400 --> 0:34:28.920
<v Speaker 2>on television right now and on top of all that,

0:34:29.040 --> 0:34:31.480
<v Speaker 2>she managed to lose one hundred and seventeen pounds. Yeah,

0:34:32.080 --> 0:34:35.000
<v Speaker 2>in the last one or two years, and it happens.

0:34:35.280 --> 0:34:36.839
<v Speaker 2>I just saw her in a magazine cover, I think

0:34:36.840 --> 0:34:38.080
<v Speaker 2>it was Entertainment Weekly, and I was.

0:34:38.080 --> 0:34:38.759
<v Speaker 1>Like, what is what?

0:34:38.920 --> 0:34:40.680
<v Speaker 2>How did she do that? I was convinced she had

0:34:40.719 --> 0:34:43.880
<v Speaker 2>had like gastric bypass or lap band surgery or something,

0:34:43.920 --> 0:34:47.680
<v Speaker 2>but she exercised and she ate right. And I just

0:34:47.719 --> 0:34:51.040
<v Speaker 2>want to give her all the brown Break Brilliance points

0:34:51.040 --> 0:34:53.400
<v Speaker 2>for this week and really encourage her because I know

0:34:53.480 --> 0:34:56.120
<v Speaker 2>that it's this fight is not a one and done

0:34:56.200 --> 0:34:59.200
<v Speaker 2>thing like those one hundred and seventeen pounds, like you

0:34:59.360 --> 0:35:03.320
<v Speaker 2>work to keep them listen like I have. I've dropped

0:35:03.320 --> 0:35:05.959
<v Speaker 2>forty pounds and take me six months to lose it.

0:35:05.960 --> 0:35:07.319
<v Speaker 2>It'll take me a week to lose and to gain

0:35:07.320 --> 0:35:09.879
<v Speaker 2>it back. And it's like the constant struggle, especially when

0:35:09.880 --> 0:35:12.160
<v Speaker 2>it's in your genes and people. Often when you see

0:35:12.160 --> 0:35:14.759
<v Speaker 2>someone who's overweight, you're you tend to think, oh, well

0:35:14.800 --> 0:35:16.960
<v Speaker 2>they're just lazy and fat, they just don't eat right.

0:35:17.080 --> 0:35:20.520
<v Speaker 2>But there's real, like biological factors that can contribute. There

0:35:20.600 --> 0:35:22.319
<v Speaker 2>was just a study out last week or this week.

0:35:22.360 --> 0:35:24.759
<v Speaker 2>That said that for millennials, we can eat the same

0:35:24.800 --> 0:35:27.279
<v Speaker 2>stuff that people ate in the eighties, but something has

0:35:27.360 --> 0:35:29.920
<v Speaker 2>changed in the food and the food or whatever we're in,

0:35:30.040 --> 0:35:31.880
<v Speaker 2>like all the chemicals were in or whatever that have

0:35:32.160 --> 0:35:33.640
<v Speaker 2>it making it harder to lose weight.

0:35:34.680 --> 0:35:37.400
<v Speaker 1>I have put on about twenty pounds since me and

0:35:37.480 --> 0:35:40.080
<v Speaker 1>Superman have gotten together, and I'm like, oh my gosh,

0:35:40.160 --> 0:35:44.000
<v Speaker 1>nothing fits behind is like growing too magnanimous portions, and

0:35:44.000 --> 0:35:45.400
<v Speaker 1>I'm like, oh my gosh, struggle is real.

0:35:45.480 --> 0:35:47.680
<v Speaker 2>And yeah, I mean obviously, like I am, you have

0:35:47.719 --> 0:35:49.959
<v Speaker 2>to be realistic, Like I know, I have thighs four

0:35:50.080 --> 0:35:51.880
<v Speaker 2>days and they are never going to go away no

0:35:51.920 --> 0:35:52.759
<v Speaker 2>matter what I do.

0:35:53.239 --> 0:35:55.240
<v Speaker 1>But you know, you want to be your best self.

0:35:55.280 --> 0:35:56.759
<v Speaker 2>I mean I don't, That's what I'm saying, Like, I

0:35:56.800 --> 0:35:58.960
<v Speaker 2>want to be realistic about what your body should look

0:35:59.040 --> 0:36:01.440
<v Speaker 2>like and being a hell healthy version of yourself. That's

0:36:01.480 --> 0:36:03.600
<v Speaker 2>what's important. And it took me a long time to

0:36:03.680 --> 0:36:05.759
<v Speaker 2>learn that. I used to beat myself up a lot

0:36:05.800 --> 0:36:06.200
<v Speaker 2>when I was.

0:36:06.160 --> 0:36:08.000
<v Speaker 1>A kid about one super skinny.

0:36:08.200 --> 0:36:10.720
<v Speaker 2>Yeah, about you know, wanting to have like yeah, exactly,

0:36:10.880 --> 0:36:13.400
<v Speaker 2>a beautiful Brittney Spirits sized bottom, Okay, and that kind

0:36:13.400 --> 0:36:14.240
<v Speaker 2>of stuff like that's.

0:36:14.080 --> 0:36:15.960
<v Speaker 1>Never gonna happen, you know, it's so crazy. I remember,

0:36:16.040 --> 0:36:18.920
<v Speaker 1>like I was super super I was abnormally skinny as

0:36:18.920 --> 0:36:20.839
<v Speaker 1>a kid, like so much so that like they used

0:36:20.840 --> 0:36:22.520
<v Speaker 1>to take me to the doctor to say, like what's

0:36:22.560 --> 0:36:24.799
<v Speaker 1>wrong with her? And they were just like nothing, she

0:36:24.960 --> 0:36:27.600
<v Speaker 1>just bones because I was at a big eater. And

0:36:27.640 --> 0:36:31.160
<v Speaker 1>then I but I always had like this little bubble butt,

0:36:31.200 --> 0:36:32.759
<v Speaker 1>like it was like one of these butts that were

0:36:32.760 --> 0:36:34.879
<v Speaker 1>so random because you're like so skinny, They're like, wait,

0:36:34.920 --> 0:36:36.600
<v Speaker 1>you turn around and say, what in the world's going

0:36:36.600 --> 0:36:38.600
<v Speaker 1>on back there? And I remember I was on the

0:36:38.640 --> 0:36:40.799
<v Speaker 1>tennis team. So I went to like an almost all

0:36:40.800 --> 0:36:43.319
<v Speaker 1>white high school to you little browns here and there,

0:36:43.640 --> 0:36:44.840
<v Speaker 1>and I was on the tennis team, and I was

0:36:44.840 --> 0:36:47.120
<v Speaker 1>wearing a tennis skirt, and so my skirt it's like

0:36:47.120 --> 0:36:49.359
<v Speaker 1>you know, like you know, tennis skirts are like mid

0:36:49.400 --> 0:36:52.040
<v Speaker 1>thigh in the back, and it was like grazing the

0:36:52.040 --> 0:36:54.400
<v Speaker 1>bottom of my behind in the or mid thigh in

0:36:54.440 --> 0:36:56.279
<v Speaker 1>the front, and in the back it was like up

0:36:56.360 --> 0:36:58.360
<v Speaker 1>hiked up. And so I remember the girls from the

0:36:58.360 --> 0:37:00.520
<v Speaker 1>tennis see and they're like tivioty pulling down my skirt

0:37:00.520 --> 0:37:02.120
<v Speaker 1>one day, like your skirts up and then what is

0:37:02.200 --> 0:37:04.279
<v Speaker 1>that like trying to wear a skirt as a Yeah,

0:37:04.640 --> 0:37:07.320
<v Speaker 1>but especially like a little skirt, and I was like, yeah,

0:37:07.480 --> 0:37:09.840
<v Speaker 1>that's my booty. It's not going anywhere.

0:37:10.040 --> 0:37:12.160
<v Speaker 2>I wear this skirt today and I'm pulling down the back.

0:37:12.239 --> 0:37:13.360
<v Speaker 2>You have to buy a size banger.

0:37:13.400 --> 0:37:16.440
<v Speaker 1>You have to get tailored, yeah, because then your thigh

0:37:16.640 --> 0:37:18.840
<v Speaker 1>and your booty is one thing, and then your waist.

0:37:18.960 --> 0:37:20.600
<v Speaker 1>You're like, oh, I'm a six in the ways and

0:37:20.640 --> 0:37:21.520
<v Speaker 1>I'm a fourteen and thig.

0:37:22.400 --> 0:37:23.840
<v Speaker 2>It always looks good in the front, but then you

0:37:23.840 --> 0:37:25.800
<v Speaker 2>turn around in the profile and then it's like shorter.

0:37:26.239 --> 0:37:28.239
<v Speaker 1>Yeah. But you know what I've learned though, I've learned

0:37:28.239 --> 0:37:30.480
<v Speaker 1>like my silhouette, like cause I have like I don't

0:37:30.480 --> 0:37:32.920
<v Speaker 1>really have much of a bust, So I learned that

0:37:33.080 --> 0:37:35.319
<v Speaker 1>like you know, like I do the dresses that kind

0:37:35.320 --> 0:37:37.799
<v Speaker 1>of are like snatched, like fit and flare. That's what

0:37:37.800 --> 0:37:39.680
<v Speaker 1>I've learned. It works really good from my body side,

0:37:39.719 --> 0:37:41.919
<v Speaker 1>like okay, fit and they kind of like flare out.

0:37:42.200 --> 0:37:44.920
<v Speaker 1>But and honestly, like I've put on like way or weight.

0:37:44.920 --> 0:37:46.200
<v Speaker 1>But I was looking at myself the other day and

0:37:46.239 --> 0:37:48.200
<v Speaker 1>I was like, you know what, Tiffany, I love your shape.

0:37:48.239 --> 0:37:50.600
<v Speaker 1>I don't you know. I know I'm not skinny like

0:37:50.640 --> 0:37:52.839
<v Speaker 1>I used to be anymore, but I don't I don't

0:37:52.840 --> 0:37:55.280
<v Speaker 1>want to, just want to be healthy and fit and firm.

0:37:55.360 --> 0:37:57.160
<v Speaker 1>So I've been going back to the gym for that,

0:37:57.280 --> 0:37:59.560
<v Speaker 1>not necessarily to lose weight like I was originally like,

0:37:59.600 --> 0:38:02.600
<v Speaker 1>I want to ge skinny, and I'm like why. Drew's

0:38:02.640 --> 0:38:07.560
<v Speaker 1>like why, I mean Superman. Sorry, I hear that he's

0:38:07.560 --> 0:38:08.080
<v Speaker 1>not gonna listen.

0:38:09.800 --> 0:38:11.919
<v Speaker 2>I mean say he will, but then when he won't,

0:38:11.960 --> 0:38:13.360
<v Speaker 2>mention that that he didn't listen.

0:38:14.560 --> 0:38:17.120
<v Speaker 1>So yeah, Superman is like what what you know? The

0:38:17.160 --> 0:38:19.919
<v Speaker 1>men's love it. They're like, yes, Mandy, keep that weight.

0:38:20.200 --> 0:38:20.560
<v Speaker 1>I don't know.

0:38:21.960 --> 0:38:24.040
<v Speaker 2>I am dating a Dominican. Yeah, so you already know

0:38:24.120 --> 0:38:27.080
<v Speaker 2>he's like more rice and beans for you. You love yourself

0:38:27.080 --> 0:38:29.239
<v Speaker 2>and then you find someone else you also love it exactly.

0:38:29.400 --> 0:38:31.839
<v Speaker 2>So yay Shanna Rhimes. Oh and just a quick shout out.

0:38:31.880 --> 0:38:35.560
<v Speaker 2>My dad lost like one hundred pounds. He had gastic

0:38:35.560 --> 0:38:38.200
<v Speaker 2>bypass surgery, and I'm proud of him because, like I said,

0:38:38.239 --> 0:38:40.360
<v Speaker 2>even if you get gastric bypass surgery, that's not a

0:38:40.360 --> 0:38:41.960
<v Speaker 2>band ad. I mean, that's not like a one and

0:38:42.040 --> 0:38:44.200
<v Speaker 2>done fix. You have to really, you can stretch your

0:38:44.200 --> 0:38:47.480
<v Speaker 2>swomming back out. I have had family members who have

0:38:47.840 --> 0:38:50.479
<v Speaker 2>lost the weight, gotten the surgery, gone through all that hell,

0:38:50.800 --> 0:38:53.200
<v Speaker 2>and then put on double what they weighed before. Because

0:38:53.200 --> 0:38:55.239
<v Speaker 2>it's a lifestyle thing. And I'm proud of my dad.

0:38:55.320 --> 0:38:57.640
<v Speaker 2>He's always texting me photos of like the soup and

0:38:57.640 --> 0:39:01.160
<v Speaker 2>like the salads he's making and chopping up his Oh

0:39:01.200 --> 0:39:03.120
<v Speaker 2>my god, he sent me them. This had to be

0:39:03.160 --> 0:39:05.759
<v Speaker 2>the most Southern like ghetto photo my dad's ever sent me.

0:39:06.080 --> 0:39:08.680
<v Speaker 2>He so hill one of his friends brought him, had

0:39:08.719 --> 0:39:10.480
<v Speaker 2>just harvested her garden or whatever. She had a bunch

0:39:10.520 --> 0:39:13.320
<v Speaker 2>of turnip greens, and he's like, look all these greens

0:39:13.320 --> 0:39:14.799
<v Speaker 2>and I washed them. Look this way I washed them.

0:39:14.800 --> 0:39:16.680
<v Speaker 2>He texted me a photo of all the greens in

0:39:16.680 --> 0:39:20.560
<v Speaker 2>its washing machine, like his, his laundry machine. Yes, that's

0:39:20.560 --> 0:39:22.400
<v Speaker 2>how he washed the greens. And he just couldn't he

0:39:22.400 --> 0:39:26.160
<v Speaker 2>could not understand why. I didn't understand why, Oh Papa

0:39:26.200 --> 0:39:29.719
<v Speaker 2>would drug He's never gonna find a wife all you

0:39:29.800 --> 0:39:31.239
<v Speaker 2>never know, he doesn't want one.

0:39:31.280 --> 0:39:32.120
<v Speaker 1>But well there you go.

0:39:32.320 --> 0:39:34.880
<v Speaker 2>Oh, well that's my dad for you know. Yay yay Daddy,

0:39:35.000 --> 0:39:37.480
<v Speaker 2>Yay Shonda rhymes and yay Marcia barn.

0:39:37.400 --> 0:39:40.680
<v Speaker 1>Yes, please please please stay in contact with me and

0:39:40.760 --> 0:39:46.120
<v Speaker 1>Mandy at the Brown Ambition Podcast at gmail dot com

0:39:46.160 --> 0:39:49.000
<v Speaker 1>dot com, Brown Ambition on Facebook, and.

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<v Speaker 2>At the BA Podcast on Twitter. So many of you

0:39:52.080 --> 0:39:54.560
<v Speaker 2>guys have been sending us such lovely tweets and like dms.

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<v Speaker 2>But and me love to hear how you guys feel

0:39:56.920 --> 0:39:59.360
<v Speaker 2>about us. But can we just please ask that maybe

0:39:59.360 --> 0:40:01.920
<v Speaker 2>you share us a nice review on iTunes. Let me

0:40:02.040 --> 0:40:02.920
<v Speaker 2>let everybody know how.

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<v Speaker 1>Much you love us, please, cause that's what honestly like

0:40:05.520 --> 0:40:07.880
<v Speaker 1>if you look kind of like in our category career

0:40:07.880 --> 0:40:10.080
<v Speaker 1>in business, there's not too many brown faces.

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<v Speaker 2>There's like zero mm hmm.

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<v Speaker 1>It was basically us. So we want to encourage other

0:40:14.680 --> 0:40:16.799
<v Speaker 1>people when they see our brown faces to join the

0:40:16.840 --> 0:40:19.560
<v Speaker 1>whole podcast movement and you know, start their own. So

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<v Speaker 1>reviews really really really help, and just keep keep sending them.

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<v Speaker 2>So emails are nice, that were tweets, but please leave

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<v Speaker 2>us reviews and send us a screenshot because we're going

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<v Speaker 2>to be announcing the winner of our iTunes review giveaway

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<v Speaker 2>in a couple of weeks and we'd love to have

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<v Speaker 2>more people to pick from. Yah, leave us some reviews.

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<v Speaker 1>All right, Well, this has been lovely as usual, Mandy.

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<v Speaker 1>Mandy looks so pretty today. Gal, She's got like her

0:40:42.719 --> 0:40:43.520
<v Speaker 1>hair all done up.

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<v Speaker 2>I did my band two nuts, two strand twists and

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<v Speaker 2>bands busy last night. Oh my god.

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<v Speaker 1>I know she's got like a cute outfit. I was like,

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<v Speaker 1>where you going? Meanwhile, I haven't like tights and like

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<v Speaker 1>a big shirt. Alyssa was like, I mean, supergirl, I'm

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<v Speaker 1>mess and she looks like we're you. I have like

0:40:59.400 --> 0:41:03.359
<v Speaker 1>read chucks on Converse. They my family told me before

0:41:03.360 --> 0:41:05.279
<v Speaker 1>I left, you look like Punky Booster. Some of y'all

0:41:05.320 --> 0:41:07.640
<v Speaker 1>youngins don't even know what Punky Booster is. Google it.

0:41:07.960 --> 0:41:08.800
<v Speaker 2>I have Punky.

0:41:09.120 --> 0:41:12.200
<v Speaker 1>Oh well yeah, but you're like Moonfry whatever.

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<v Speaker 2>Yeah.

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<v Speaker 1>Yeah, so I look very like twelve years old, and

0:41:14.960 --> 0:41:16.600
<v Speaker 1>Manny looks like very sophisticated ladies.

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<v Speaker 2>All right, stop best version of yourself.

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<v Speaker 1>Yes, no, I mean I think I look cute, but

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<v Speaker 1>you know, I'm like, yeah, cut in the ten year

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<v Speaker 1>old one. All right. Bye. Got By