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Speaker 1: Hey, hey, BA fam, welcome to the b a QA

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Speaker 1: where I take your questions and I give you like

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Speaker 1: I call it edutainment, infotainment. We're gonna get our AsSalt

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Speaker 1: shakers out. And wait a second, I'm sorry, this is awkward.

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Speaker 1: This is my show now.

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Speaker 2: Hey hey, no, no matter.

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Speaker 1: We don't sing anymore. Listen new rules.

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Speaker 2: Who lets you in.

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Speaker 1: The back door? Girl that keys to the house?

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Speaker 2: I do. I was just in here, just in the

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Speaker 2: cat on the couch, kicking my feet up.

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Speaker 1: Hi Tiffany, Hi, Nandra.

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Speaker 2: Oh it feels so good to be home.

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Speaker 1: It feels yeah, it does feel I mean it's like

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Speaker 1: you never left. You never left me. It may feel

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Speaker 1: new to the BA fam, but Tiffany's back for a special,

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Speaker 1: a special chat. I would say she's here to just

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Speaker 1: take your BA questions because she loves you guys so much.

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Speaker 1: But girl, she got something to promote what's been going

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Speaker 1: on TV sty.

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Speaker 2: You know what I love most is that Mandy, I

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Speaker 2: see you more now that we don't do BA together.

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Speaker 2: And then I'm like, yeah, which is crazy, Like I

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Speaker 2: just saw Maddie like two weeks ago, but even before that,

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Speaker 2: we went we met up in New York and had yummy, yummy,

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Speaker 2: yummy sushi dinner. Oh yes.

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Speaker 1: And then I brought my kids to your house. Yeah,

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Speaker 1: tear it up.

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Speaker 2: And then we hung out that and then so I

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Speaker 2: have a PBS special based upon my New York Times bessella.

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Speaker 2: The book is called Get Good with Money, but so

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Speaker 2: is the special. And so I had like a premiere

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Speaker 2: party at this beautiful mansion called the Cooker Scott Mansion

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Speaker 2: owned by the first black millionaire in Newark, woman black

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Speaker 2: woman millionaire in Newark, and so to be able to

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Speaker 2: use that space and Mandy came.

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Speaker 1: It was beautiful. Yeah, it was very very special. I'm

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Speaker 1: really glad that you had a party to celebrate it too.

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Speaker 2: I wasn't gonna, but then I said, no, we're because

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Speaker 2: I guess I didn't feel like all the fuss and

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Speaker 2: you know, popping circumstance. I said no. And what I

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Speaker 2: loved is that it felt like because it was a

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Speaker 2: brunch and it just felt like, I don't know, like

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Speaker 2: the homies were over like. It felt like it because

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Speaker 2: about one hundred people, give or take, you'd say, right,

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Speaker 2: but I don't know.

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Speaker 1: I'm bad at that. Those people we were fighting over chairs,

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Speaker 1: we had to drag stools, but it just felt like home.

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Speaker 2: It was my parents came, my sisters, came, my niece,

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Speaker 2: my nephew, my friends. So it very much felt like

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Speaker 2: I was just having people over at my beautiful house,

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Speaker 2: eating delicious food. Got to watch a little clip of

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Speaker 2: the PBS special. Take some questions. Even Mandy took some

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Speaker 2: questions because Ba is always in the building.

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Speaker 1: Listen. That was fun. It felt very natural. Well, first

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Speaker 1: of all, it was your party, but I felt like

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Speaker 1: I was the groom or something because people were stopping me.

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Speaker 1: I did not even get to taste the buffet food.

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Speaker 1: I'm I'm glad I got a little bite before the

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Speaker 1: screening happened. But I also feel like in the crowd

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Speaker 1: were a lot of Dreamcatchers. And these were the Dreamcatchers

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Speaker 1: who got on the bus. Because y'all understand PPS does

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Speaker 1: not tape in New York. You know, doesn't tape downtown,

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Speaker 1: doesn't tape in Newark. It tape tapes where up up, up,

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Speaker 1: up upstate, Yes, Troy, Yeah, right, like a three hour

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Speaker 1: bus ride, so y'all literally bussed Dreamcatchers from from Jersey,

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Speaker 1: from the city where they all come from.

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Speaker 2: They went to Newark. MM hm.

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Speaker 1: They went to Newark, hopped on a bus, went three

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Speaker 1: hours up state to see you record this. So it

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Speaker 1: was like a live taping.

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Speaker 2: Yes, it was a live taping and I needed it

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Speaker 2: because I'm not gonna lie with and.

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Speaker 1: The dead of winter.

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Speaker 2: Yes, and about fifty dream Catchers came. And I didn't

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Speaker 2: think anyone was gonna come because I'm not gonna lie.

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Speaker 2: I wasn't gonna come unless like had to. But they

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Speaker 2: were so joyful, they brought such good energy. So just backstory.

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Speaker 2: So maybe like I don't know, six or seven months

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Speaker 2: or so, maybe longer. My book agent, Heather said, hey,

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Speaker 2: do you want a PBS special, like if I was

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Speaker 2: asking if I want to slice the pizza. I was like,

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Speaker 2: I mean, yeah, I guess you know, to.

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Speaker 3: Me fourteen of them right now, yeah, exactly, and so

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Speaker 3: but she said, you know it's not guaranteed obviously, but

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Speaker 3: she said a friend of mine it is a producer there,

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Speaker 3: and you know, I just thought about you, and I said, oh,

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Speaker 3: let's ask Tiffany.

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Speaker 2: So I met with him. He was really nice. He's

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Speaker 2: one of these like ornery like old dudes, you know,

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Speaker 2: like I don't like nobody. Like it was like you

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Speaker 2: seem okay after our meeting not OSK for the Crouch, yes,

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Speaker 2: and producing the special. But then he was also like, well,

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Speaker 2: I'm going to pitch it to PBS. They're probably gonna

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Speaker 2: say no. I said, no problem, you know, because I

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Speaker 2: just really was chilling.

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Speaker 1: Why would they say no?

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Speaker 2: I don't know, like he's basically I think he was

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Speaker 2: just trying to set expectations that okay, you know. So

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Speaker 2: I said okay, and then they pitched it. PBS said yes,

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Speaker 2: and then I started to have to work on the script.

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Speaker 2: This was I want to say December, like October, October

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Speaker 2: and December, because you know, I was not working in November,

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Speaker 2: and so well.

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Speaker 1: That's right, you got the special and then you were like,

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Speaker 1: how fun see you in a month?

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Speaker 2: Yes they were, but I told, yes, okay. I held

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Speaker 2: steady to that boundary of like, I do not work

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Speaker 2: in November. And I said it from the very beginning.

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Speaker 2: I said, I don't work in November. It's non negotiable.

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Speaker 2: I just don't you know, like other like if I

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Speaker 2: had like just a month off just because maybe, but

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Speaker 2: I'm like, now I'm not going to be here, I

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Speaker 2: won't be emotionally present, and so came back. They had

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Speaker 2: done they had used the book to create like a makeshift,

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Speaker 2: if you will, a script, and then I just came

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Speaker 2: in edited it down, and then I met with the

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Speaker 2: director and then the producer and we ran through it

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Speaker 2: a number of times. And but the thing is, what's

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Speaker 2: so critical about any time you do any show. You

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Speaker 2: have to be able to take direction and put it

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Speaker 2: to use right away, and so not to have ego

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Speaker 2: about it. So I'm like, can you say this instead

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Speaker 2: of this? Or can you do this instead of that?

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Speaker 2: So doing the zoom, you know, that was having to

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Speaker 2: make you know, impromptu corrections, and so they were like

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Speaker 2: that was really good, Tiffany, you know, and I said okay.

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Speaker 2: And when I hung up from that zoom, because we've

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Speaker 2: maybe met two or three times to practice something like

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Speaker 2: the Divine God, was like, this is bigger than PBS.

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Speaker 2: Because I think I was, if you know me, Mandy,

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Speaker 2: sometimes I'm like, okay, got child, you know, like I

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Speaker 2: don't know who's my defense mechanism. And so I wasn't

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Speaker 2: I won't say I wasn't taking it seriously, but I

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Speaker 2: wasn't like take goodness seriously, and so I got a

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Speaker 2: little freaked out, like what do you mean? It was

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Speaker 2: like this is bigger than PBS. Basically, it was like

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Speaker 2: get your shit together because I.

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Speaker 1: Was this voice, this voice that tells you things. Yes,

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Speaker 1: you've grown ambition, I know, but I was wh look,

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Speaker 1: I know I'm not mad at it. Let's the voice say?

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Speaker 1: Does the voice have anything to tell me? Flatto numbers?

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Speaker 2: Right? So I said, oh, okay. So and then in

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Speaker 2: I think it was end of December, they were like,

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Speaker 2: all right, Tiffany, come and tape and I you know,

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Speaker 2: so I got there the day before, did a walk through,

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Speaker 2: and they said, let's do like a read through kind of.

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Speaker 1: I can I just interrupt for a second because not like

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Speaker 1: I haven't been interrupting you since we started that show

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Speaker 1: ten years ago together. But Tiffany did not even tell

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Speaker 1: me this was happening. And I like to think that

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Speaker 1: we're friend friends now, you know, like on the weekend,

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Speaker 1: I kind of know what you're up to. Whatever you

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Speaker 1: said nothing. I don't think I would have known had

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Speaker 1: I not texted you. And you're like, oh, I'm on

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Speaker 1: the way to Troy. I'm like, what taping a PBS special?

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Speaker 2: What you know? What it is? Banded? Because I don't know.

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Speaker 2: There is a part of me that I think when

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Speaker 2: the feelings get too big, I call a vacuum ceiling

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Speaker 2: to like make them really small.

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Speaker 1: And I'm like, it's really clever.

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Speaker 2: It's no biggie, and that's how I manage.

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Speaker 1: And so yeah, no, I get it, you know.

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Speaker 2: And so I it didn't really hit me. I didn't think.

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Speaker 2: I think the vacuum seel like punctured when I got

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Speaker 2: on set and I saw my face and my words

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Speaker 2: and my and then I said, like hyperventilating, like, oh

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Speaker 2: my gosh, this is a big deal.

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Speaker 1: You're by yourself. I don't have your team, girl.

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Speaker 2: No, it was just me myself and I and I said, wait,

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Speaker 2: the cameras everyone's just looking and I just was like,

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Speaker 2: and you know, cause I guess they sent a carter

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Speaker 2: come get me. So they were like, let's do a

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Speaker 2: run through, and this is your Her name is Karence,

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Speaker 2: who's really nice. This is your teleprompter person.

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Speaker 1: And I was like, hell, this is the day before

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Speaker 1: you're supposed to tape the full thing. Okay, all right, I.

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Speaker 2: Said, okay. And so Karen's like, I'm here to do

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Speaker 2: whatever you need. And I said, okay, Meanwhile, maybe two

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Speaker 2: weeks prior, Cabral said, get you behind over the elegant

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Speaker 2: eyes to get you some glasses. I said, I don't

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Speaker 2: need glasses. He said, you're forty five. You did so

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Speaker 2: I went and sure enough, I'm twenty fifty. So I'm

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Speaker 2: about five years late, but needing glasses.

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Speaker 1: Yeah, twenty fifty girl.

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Speaker 2: Cabral was like, how are you managing these streets?

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Speaker 1: I said, they didn't take your license away. I mean,

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Speaker 1: he said, oh my god.

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Speaker 2: So he ordered them. I bought some really key glasses.

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Speaker 2: He ordered them, but I didn't have them with me

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Speaker 2: in Upstate because why would I.

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Speaker 1: So I get say you had your possession, you had

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Speaker 1: them in your possession.

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Speaker 2: No, Cabral had ordered them, but I didn't. I think

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Speaker 2: it was the big deal. I'm not waring glasses my

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Speaker 2: whole life. I get there teleprompter time, Mandra I'm a

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Speaker 2: squintan and a in a in a squeezing and a

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Speaker 2: linen and a sweating I'm like, hello Monday. The way

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Speaker 2: the room was silent and you so you heard the random.

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Speaker 1: Cough, you know, like in the awful because the rehearsal,

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Speaker 1: there's no there's no studio audience. It's just like producers

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Speaker 1: or you know whatever.

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Speaker 2: And I was cluttering and then I was like, maybe

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Speaker 2: if you could make the tail pump the slower and

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Speaker 2: even still, I'm like one day girl, the way my

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Speaker 2: heart is racing, I thought. And I remember like the

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Speaker 2: inner Tiffany said we cannot do this. This is too hard.

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Speaker 2: That's what came up. I said, Tiffany, you know, I'm sorry,

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Speaker 2: we cannot do this. This is too hard. And then

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Speaker 2: this other Tiffany was like, fight back by back, fight back,

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Speaker 2: and I said, what do you need, Tiffany, Because you're

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Speaker 2: right doing this like this with the teleprompter. It is

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Speaker 2: too hard. What do you need? And I said, I

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Speaker 2: need to do it like I would normally do it.

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Speaker 2: And I said it out loud. I said, can I

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Speaker 2: do this like I would normally do it? And they

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Speaker 2: were like, well, what is that? I'm like, well, if

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Speaker 2: I was going to do a keynote, I would basically

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Speaker 2: have like like some cards or the paper in my

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Speaker 2: hand and I would just glance at it every once

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Speaker 2: in a while and just teach the lesson because I

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Speaker 2: know these lessons. And so they said, okay, So I

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Speaker 2: grabbed the paper, I looked. I said, Oh, next subject

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Speaker 2: is budgeting. I taught the lesson. Next uptic was credit.

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Speaker 2: I taught the lesson. So we did a run through

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Speaker 2: with that way and they said, what are you doing

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Speaker 2: there because you can't have paper obviously on TV. I said, well,

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Speaker 2: I just need like a visual prompt to be like, oh,

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Speaker 2: the next lesson is credit, but I already know, like

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Speaker 2: what I'm teaching. The next question, like the next subject

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Speaker 2: is dead. And they said, what if we could do

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Speaker 2: that on a teleprompter just the word budget, so you know,

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Speaker 2: just do your budgeting lesson be huge so you don't

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Speaker 2: have to yeah, just to work credit. And I said, okay,

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Speaker 2: So we did a little bit testing of that much better.

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Speaker 2: I was still freaked out, so I still, you know,

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Speaker 2: so it wasn't my normal tiffany self and the people.

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Speaker 2: This person was there. Everybody was just in the room

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Speaker 2: looking like that was better. But I hope she freaking

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Speaker 2: gets it together tomorrow. So I go back to my

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Speaker 2: hotel just rock myself to sleep for just two hours

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Speaker 2: because I'm jittery and nervous. I go with the script

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Speaker 2: ten thousand times. I practiced with just looking at the word,

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Speaker 2: and then I was like, Tiffany, you got this, do

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Speaker 2: it the way. You know, you're not reading a script,

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Speaker 2: just teach the lesson. And so you have to do

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Speaker 2: two full dress to run throughs one with no audience.

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Speaker 2: So in the morning, maybe at eleven, I did a

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Speaker 2: full dress rehearsal and they recorded that way when they

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Speaker 2: record with the audience, in case something needs to be

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Speaker 2: swapped out, they have a clean version, you know. So

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Speaker 2: I did it and it was really good. I'll give

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Speaker 2: it a solid B plus. You know, I was like okay, okay.

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Speaker 2: And then and then when the audience came, maybe like

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Speaker 2: three or four or something like that, so I just

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Speaker 2: chilled and they came back. And now with the audience,

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Speaker 2: you know, filled with all these beautiful brown faces. They

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Speaker 2: also paid they sometimes they do like paid audience, So

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Speaker 2: I want to say maybe like ten fifteen were like

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Speaker 2: paid like audience members. And then but everybody else was

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Speaker 2: a dream catcher and so that energy. Oh I was

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Speaker 2: up there cutting U because you know, you ain't got

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Speaker 2: to give me any but but a mic, and and.

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Speaker 1: What with the crowd? I want because you told me

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Speaker 1: this and I was I was like, of course, it

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Speaker 1: was so genius of you to bring to Bust in

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Speaker 1: Dreamcatchers because if you hadn't, who would have Who would

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Speaker 1: the PBS on a on a random Sunday audience be.

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Speaker 2: You already know seventy and Troy, New York, all the

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Speaker 2: white folks, which you know, it's cute, but it wouldn't

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Speaker 2: have been the same energy, and it wasn't my idea.

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Speaker 2: This is why I almost messed up again. They said,

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Speaker 2: let's bust and Dreamcatchers. I said, no one's gonna come.

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Speaker 2: No one was there. So PBS said we would love

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Speaker 2: to have Dreamcatchers in the audience. I said, no one's

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Speaker 2: coming to Troy, New York and they were like, no, no, no,

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Speaker 2: let's do it. And honestly, I said, uh, I don't

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Speaker 2: want to be responsible for filling this audience. You know

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Speaker 2: y'all didn't tell me that's what you needed me to do.

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Speaker 2: I leave for my November hiatus in a week. I don't,

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Speaker 2: you know, just just go ahead and fill it with whoever.

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Speaker 2: Thank god, they did not listen to me, so when

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Speaker 2: I was gone, they connected with Logan on my team,

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Speaker 2: who connected with Tamika, who is the ultimate dream Catcher.

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Speaker 2: She's our DreamCatcher President. She reached out and was like,

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Speaker 2: we are motive, we are we are getting on board

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Speaker 2: for Tiffany. Everyone loves Tamika, and I thank God for

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Speaker 2: that because it would have been different. And so they

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Speaker 2: came in and when I was getting ready, so I mean,

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Speaker 2: I got fifty hugs. Yes, girl, you got you know,

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Speaker 2: nothing uplifts you like a black month. Okay, nothing, I

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Speaker 2: mean the way they pumped me up. By the time

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Speaker 2: I was out there, I don't even know what the

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Speaker 2: director was saying. I was just talking to my girls,

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Speaker 2: like ay, indeed.

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Speaker 1: Yep, yeah, And you're in your element. You're in your

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Speaker 1: your comfort zone, which is what I think to be

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Speaker 1: asked to do so much. You you were really good.

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Speaker 1: I mean, first of all, your team was great to

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Speaker 1: work with them and get that done. Second of all,

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Speaker 1: you advocated for the style and.

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Speaker 2: Yes, and that's just so proud of you. Honestly, I

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Speaker 2: felt really good about it. And that's why I said, no,

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Speaker 2: we're gonna celebrate the fact, like the average watcher of

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Speaker 2: phibs is a seventy three year old woman. The white

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Speaker 2: part is silent, but it is, and so you know,

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Speaker 2: I wasn't expecting. That's why I was like well, you know,

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Speaker 2: I'm not gonna this is not gonna move the needle

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Speaker 2: or shit. That's what I told myself. But you don't

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Speaker 2: know what moves the needle, and so you don't know.

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Speaker 2: It takes one person to watch and maybe they tell

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Speaker 2: their grandson who works for x Y. I don't know

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Speaker 2: what the what's on the other side of this, but

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Speaker 2: what I know is that for the first time I

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Speaker 2: advocated for myself in this kind of way, I got

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Speaker 2: what I needed to be able to show up fully.

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Speaker 2: I you know, I'm so glad I'm learning to let

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Speaker 2: people like do for me, like the fact that drink

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Speaker 2: catchers are like, are you crazy? Of course we're coming,

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Speaker 2: And then to purposefully celebrate like this celebration was different

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Speaker 2: than Netflix because Netflix, we did a full premiere and

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Speaker 2: it was more so like pop and circumstance. This was

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Speaker 2: a true celebration like family, friends, loved ones, and that's

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Speaker 2: what I wanted, and so I'm really proud of the

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Speaker 2: special and only airs guaranteed until the end of the

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Speaker 2: month March. So if you haven't seen it, check your

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Speaker 2: local listings or go to PBS dot org.

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Speaker 1: You can find it online. I did find it, oh

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Speaker 1: you did it, Okay, Yeah, yeah, I think through their

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Speaker 1: YouTube channel or something, but.

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Speaker 2: Yeah, probably yes, so and you could watch. And I

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Speaker 2: do really, really really suggest that people donate to PPS.

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Speaker 2: I mean, we all grew up on Sesame Street, mister Rogers,

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Speaker 2: finding your Roots, Arthur Arthur, and you know, they were

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Speaker 2: a little bit under attack. I don't know if they

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Speaker 2: still are, and so they literally are here because of

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Speaker 2: viewers like you. You know when they say that, So you know,

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Speaker 2: donating is such a great way to keep the like

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Speaker 2: one the fact they had me on there, they let

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Speaker 2: me be my full black girl felf. I mean I

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Speaker 2: was wearing my big hoop earrings, orange dress, you know,

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Speaker 2: my locks was locking, and I was my full self.

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Speaker 2: I did not have to dim my light. And that's

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Speaker 2: the kind of programming that you get over there at PBS.

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Speaker 2: So yeah, it just was I'm really grateful. I was terrified,

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Speaker 2: but I'm grateful that I pushed through for that experience.

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Speaker 2: I'm so proud of you.

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Speaker 1: All Right, Well, y'all know what to do now, ba fan,

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Speaker 1: we gotta go to PBS dot org find Tiffany's Get

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Speaker 1: Good with Money, uh special. It's about an hour long, right,

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Speaker 1: It's a full on special. We only got a taste

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Speaker 1: of it at that at that event, but it was

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Speaker 1: so fun Also, I was cracking everybody was cracking up

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Speaker 1: at your jokes, even in that ten minute clip. And

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Speaker 1: what was so funny is like, I don't I heard

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Speaker 1: all the jokes before. I've heard the stories multiple times,

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Speaker 1: anecdotes the class.

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Speaker 2: Oh oh that's a good one. That's a good one.

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Speaker 1: But it's still funny. Like we're still cracking up. It

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Speaker 1: was such good vibes, the energy it was, it was

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Speaker 1: so fun Yeah, and it.

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Speaker 2: Was happy to see Mandy, Like it was so nice

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Speaker 2: to be like who listened to Brown Ambition And to

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Speaker 2: see all these hands come up and for them to

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Speaker 2: be like and we still listen.

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Speaker 1: I just people are very kind, even the woman who

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Speaker 1: I accidentally thought was Alyssa You're supergirl.

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Speaker 2: Man, I just kind. Brown A Bison is excellent and

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Speaker 2: still excellent. And so I just love it, like, you know,

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Speaker 2: it continues to grow. So yeah, that was just awesome.

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Speaker 2: And so I love being, you know, back, because I

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Speaker 2: think it's important for folks to see what's the aftermath

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Speaker 2: of you know, like not a breakup, because we didn't

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Speaker 2: break up, but what's the aftermath of a transition like this?

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Speaker 2: And the aftermath is, you know, Mandy and I, if anything,

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Speaker 2: closer than ever and see each other more than ever.

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Speaker 1: My face hurts from smiling right now. This is how

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Speaker 1: I felt at the event too. I'm just like, yes,

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Speaker 1: and so I just was.

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Speaker 2: You know, if you're making transition and it feels a

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Speaker 2: little scary, that's okay. But no, that transition doesn't have

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Speaker 2: to mean the end. It oftentimes is the beginning. And

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Speaker 2: you know, I don't know how many updates made it

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Speaker 2: has given, y'all, but so many amazing things are happening

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Speaker 2: for her Ba, So I'm just so proud of her,

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Speaker 2: which she's.

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00:18:01,840 --> 00:18:02,720
Speaker 1: Haven't told them yet.

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Speaker 2: Okay, soon.

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Speaker 1: Soon I will have a fun update for va Fan.

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Speaker 1: But uh yeah, I'm just proud of us.

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Speaker 2: I love it.

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Speaker 1: I love to have you back. And it was so organic,

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Speaker 1: like of course, you know, you're welcome anytime. You still

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Speaker 1: know where the key is hidden under the under the pot?

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Speaker 2: Why do people do that the same place?

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Speaker 1: I don't know. I don't hide mine there. You won't

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Speaker 1: find a pot somewhere, all right, va Fan. Well, let's

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Speaker 1: take a quick break and then I'm putting Tiffany to

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Speaker 1: work because you know you don't come to anyone's house.

400
00:18:38,480 --> 00:18:41,280
Speaker 1: I'm empty handed as company. Okay, so she go and

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00:18:41,280 --> 00:18:43,600
Speaker 1: get her roll up your sleeves. We're taking a b

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Speaker 1: a question. Okay, be right back, all right, ba fan Okay,

403
00:18:48,720 --> 00:18:52,119
Speaker 1: tiff back in your old stomping grounds. Let's take this

404
00:18:52,200 --> 00:18:54,600
Speaker 1: listener question. Do you want to do the disclaimer? Because

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00:18:54,640 --> 00:18:56,440
Speaker 1: I like, I love the way that you do your

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00:18:56,600 --> 00:19:00,800
Speaker 1: you'll be a Q you. You remember, wait what I

407
00:19:00,880 --> 00:19:05,320
Speaker 1: used to say talking about don't sue us so your grandma?

408
00:19:06,280 --> 00:19:09,560
Speaker 2: It was like, this is not a substitute for professional advice.

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00:19:10,320 --> 00:19:12,720
Speaker 2: Don't sue us, sue your grandma. You know, like you're

410
00:19:12,720 --> 00:19:14,520
Speaker 2: supposed to take it with the smallest wand of salt.

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Speaker 2: We're not we're financial. You're pray for financial girlfriends, but

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00:19:18,119 --> 00:19:23,159
Speaker 2: we're now your financial advisors, so keep it with Okay, okay.

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Speaker 1: Like you never left. All right, this question I thought

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00:19:26,960 --> 00:19:28,879
Speaker 1: was perfect for you. This comes from a listener who

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00:19:28,920 --> 00:19:31,920
Speaker 1: wants to go buy budget savvy and stuck. All right,

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00:19:32,040 --> 00:19:34,280
Speaker 1: lucky you, budget savvy and stuck. I saved your question

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00:19:34,359 --> 00:19:36,639
Speaker 1: for Tiffany, so she gets and this is what I

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00:19:36,680 --> 00:19:39,720
Speaker 1: also love. Take notes from Budget Savvy and Stuck ba fam.

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00:19:40,080 --> 00:19:42,800
Speaker 1: She just hits it with the details bullet point baby,

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00:19:43,200 --> 00:19:48,439
Speaker 1: no novel, something I'll be sending chapter books, and I

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00:19:48,520 --> 00:19:50,359
Speaker 1: love it, but it makes it, you know. We'll just

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Speaker 1: get to the nitty gritty, all right. Budget Savvy and

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Speaker 1: Stuck says, here are the deats. I'm in my thirties,

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Speaker 1: I'm married. We have two incomes total of about one

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00:19:58,880 --> 00:20:03,679
Speaker 1: hundred and fifty k income, two kids. We have sixty

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00:20:03,760 --> 00:20:07,720
Speaker 1: thousand dollars in consumer debt. We have sixty thousand dollars

427
00:20:07,760 --> 00:20:11,400
Speaker 1: in student loans. We have we pay for part time

428
00:20:11,480 --> 00:20:14,840
Speaker 1: childcare because we can't afford full time, which is between

429
00:20:14,880 --> 00:20:18,920
Speaker 1: seventeen hundred to two thousand per month. We have both

430
00:20:18,960 --> 00:20:21,959
Speaker 1: invested into retirement accounts, so we have one hundred and

431
00:20:21,960 --> 00:20:27,520
Speaker 1: eighty k excuse me save for retirement combined, but we

432
00:20:27,600 --> 00:20:31,320
Speaker 1: have no savings like cash savings due to the cost

433
00:20:31,359 --> 00:20:35,679
Speaker 1: of our expenses each month. Our mortgage is two k okay,

434
00:20:35,760 --> 00:20:39,000
Speaker 1: which is a great deal, she says, you know, compared

435
00:20:39,000 --> 00:20:41,320
Speaker 1: to the space that we need in this running areas.

436
00:20:42,119 --> 00:20:45,000
Speaker 1: So she says her biggest concern is this debt. Right,

437
00:20:45,080 --> 00:20:48,200
Speaker 1: sixty K consumer debt sixty K student loans. She says,

438
00:20:48,240 --> 00:20:50,440
Speaker 1: things are getting worse and I am out of ideas.

439
00:20:50,800 --> 00:20:54,920
Speaker 1: I've cut down on luxuries, mostly food and minimal outings.

440
00:20:54,960 --> 00:20:58,520
Speaker 1: I've tried loan forgiveness, although I've been working for nonprofits

441
00:20:58,520 --> 00:21:01,720
Speaker 1: for ten years like Tiff, and during my twenties, I

442
00:21:01,840 --> 00:21:06,040
Speaker 1: halted my loans instead of doing income based repayment. My

443
00:21:06,119 --> 00:21:08,720
Speaker 1: husband works extra to bring in more, but it gets

444
00:21:08,760 --> 00:21:12,119
Speaker 1: swiped by the kids needs. Somehow, I took a small

445
00:21:12,160 --> 00:21:14,359
Speaker 1: loan from my retirement and it helped for a month

446
00:21:14,440 --> 00:21:18,640
Speaker 1: or so, then inflation became aggressive. It's since been repaid,

447
00:21:19,000 --> 00:21:23,760
Speaker 1: but I am stuck. Is there anything any advice for

448
00:21:23,840 --> 00:21:27,480
Speaker 1: how I can get out of this hole? I could

449
00:21:27,480 --> 00:21:29,760
Speaker 1: have written this. I could have written this question honestly,

450
00:21:30,400 --> 00:21:31,560
Speaker 1: so similar.

451
00:21:31,680 --> 00:21:33,720
Speaker 2: Well, my question is did she say what she does

452
00:21:33,720 --> 00:21:35,000
Speaker 2: for a living? Maybe I didn't mean.

453
00:21:35,480 --> 00:21:38,160
Speaker 1: She says, I've been working with nonprofits for ten years,

454
00:21:38,359 --> 00:21:40,800
Speaker 1: so it sounds like she works with a nonprofit, but

455
00:21:40,880 --> 00:21:42,400
Speaker 1: she doesn't say what she does exactly.

456
00:21:43,040 --> 00:21:46,400
Speaker 2: Honestly, there are here when people don't have enough money

457
00:21:46,400 --> 00:21:47,880
Speaker 2: at the end of the month, you only have one

458
00:21:47,880 --> 00:21:52,080
Speaker 2: of two issues or combination. Right, So savvy, you either

459
00:21:52,160 --> 00:21:55,440
Speaker 2: have I don't make enough issue or spend too much issue.

460
00:21:55,560 --> 00:21:59,000
Speaker 2: And what I find when people are frugal, the first

461
00:21:59,000 --> 00:22:01,240
Speaker 2: thing they try to attack is to spend too much issue.

462
00:22:01,280 --> 00:22:03,800
Speaker 2: That doesn't sound like your issue, you know, except for

463
00:22:03,840 --> 00:22:05,840
Speaker 2: the consumer dead. But even then that might be for bailed.

464
00:22:05,880 --> 00:22:09,240
Speaker 2: So I'm not here to judge, you know, So it's

465
00:22:09,320 --> 00:22:12,400
Speaker 2: likely not to spend too much issue if you I mean,

466
00:22:12,600 --> 00:22:14,239
Speaker 2: for all the things that you've been doing and how

467
00:22:14,280 --> 00:22:16,600
Speaker 2: you've been cunning back and it sounds like I don't

468
00:22:16,600 --> 00:22:19,520
Speaker 2: make enough issue, and so that makes you you want

469
00:22:19,560 --> 00:22:23,680
Speaker 2: to put eighty percent of your financial energy and brain

470
00:22:23,760 --> 00:22:27,399
Speaker 2: toward How can I make more? Do you have to

471
00:22:27,480 --> 00:22:29,639
Speaker 2: work in the nonprofit sector? We know that doesn't pay

472
00:22:29,640 --> 00:22:32,080
Speaker 2: as much, and I know jobs are not as free flowing,

473
00:22:32,600 --> 00:22:34,640
Speaker 2: But what would it look like if you did your

474
00:22:34,720 --> 00:22:36,720
Speaker 2: job in the private sector where there might be more

475
00:22:37,080 --> 00:22:40,760
Speaker 2: income available. Are there other things you can add to

476
00:22:40,840 --> 00:22:46,040
Speaker 2: the mix? Like so many people are are entrepreneurs now,

477
00:22:46,200 --> 00:22:48,280
Speaker 2: and one of the number one things that my entrepreneur

478
00:22:48,320 --> 00:22:52,520
Speaker 2: friends ask me is virtual ad and virtual admin. You know,

479
00:22:52,800 --> 00:22:55,399
Speaker 2: is there I mean, I know people don't want to, like,

480
00:22:55,560 --> 00:22:57,760
Speaker 2: you know, get second jobs, but if you can't find

481
00:22:58,480 --> 00:23:01,320
Speaker 2: another job, that will pay you more what you're.

482
00:23:01,160 --> 00:23:03,640
Speaker 1: Needing, especially in this economy right.

483
00:23:03,440 --> 00:23:06,800
Speaker 2: Which I understand, but there are there. I mean, so

484
00:23:06,840 --> 00:23:09,240
Speaker 2: many people are needing of virtual admin so I and

485
00:23:09,280 --> 00:23:11,359
Speaker 2: everyone doesn't need like like me, I have like a

486
00:23:11,400 --> 00:23:15,680
Speaker 2: full time virtual admin, but a friend of mine does

487
00:23:16,200 --> 00:23:18,639
Speaker 2: like fractional virtual admin work, and she actually works for

488
00:23:18,680 --> 00:23:22,560
Speaker 2: four different small businesses and does light work, but it's

489
00:23:22,680 --> 00:23:27,480
Speaker 2: enough to pay her. And so considering something like that, honestly,

490
00:23:27,640 --> 00:23:31,000
Speaker 2: and considering like what I'm assuming with two kids, you're

491
00:23:31,040 --> 00:23:33,080
Speaker 2: kind of wanting to be home. That's why I suggested

492
00:23:33,119 --> 00:23:36,600
Speaker 2: like some sort of like virtual work, I would be

493
00:23:37,119 --> 00:23:41,480
Speaker 2: like steadily looking at a site. Instagram always has so

494
00:23:41,520 --> 00:23:44,199
Speaker 2: many great posts about virtual work you know that you

495
00:23:44,200 --> 00:23:45,800
Speaker 2: could do a little more research on, Like huh, I

496
00:23:45,840 --> 00:23:48,080
Speaker 2: remember my sister did virtual customer service or she said

497
00:23:48,080 --> 00:23:51,480
Speaker 2: it paid pretty decent, Like I said, virtual admin work.

498
00:23:51,480 --> 00:23:53,560
Speaker 2: I don't know what other skill sets that you might have.

499
00:23:54,040 --> 00:23:57,200
Speaker 2: I'd be looking for a job that paid more. Maybe

500
00:23:57,320 --> 00:23:59,600
Speaker 2: is there you know at your nonprofit, I know things

501
00:23:59,640 --> 00:24:02,760
Speaker 2: are time, are there, additional responsibilities? Are there other roles

502
00:24:02,760 --> 00:24:05,520
Speaker 2: that you can take on to increase that income, because

503
00:24:05,560 --> 00:24:08,840
Speaker 2: really it's going to be an income increase and then

504
00:24:08,960 --> 00:24:11,359
Speaker 2: really being mindful that as you increase that income before

505
00:24:11,400 --> 00:24:13,800
Speaker 2: it comes in, making a plan for where it's going

506
00:24:13,840 --> 00:24:17,120
Speaker 2: to go, because oftentimes, you know, my dad would say,

507
00:24:17,119 --> 00:24:19,320
Speaker 2: you will cut your code according to your size. So

508
00:24:19,400 --> 00:24:22,200
Speaker 2: it's like, oh, you know, like if I could only

509
00:24:22,200 --> 00:24:24,119
Speaker 2: get twenty thousand dollars more, we get ahead, then you

510
00:24:24,160 --> 00:24:26,000
Speaker 2: make twenty thousand dollars more and you absorb it.

511
00:24:26,440 --> 00:24:28,919
Speaker 1: But that only that's what she said. She says, my

512
00:24:29,040 --> 00:24:32,560
Speaker 1: husband's started to work extra, but it gets swiped by

513
00:24:32,560 --> 00:24:35,400
Speaker 1: the kids needs somehow, and so you have.

514
00:24:35,359 --> 00:24:37,520
Speaker 2: To ask yourself the plan. That's why making the plan

515
00:24:37,560 --> 00:24:39,399
Speaker 2: ahead of time. Is it the kids needs or the

516
00:24:39,440 --> 00:24:42,560
Speaker 2: things that you think the kids need? Meaning like okay,

517
00:24:42,720 --> 00:24:45,080
Speaker 2: like I would love for my kids to play soccer

518
00:24:45,080 --> 00:24:47,520
Speaker 2: on the weekends, But is that a need if we're

519
00:24:47,600 --> 00:24:50,080
Speaker 2: struggling to pay bills and we're drowning, you know what

520
00:24:50,160 --> 00:24:52,520
Speaker 2: I mean? Are there is there another way to make

521
00:24:52,560 --> 00:24:55,200
Speaker 2: sure they get activities that don't that don't cost you know, money,

522
00:24:55,320 --> 00:24:57,840
Speaker 2: or cost much money. And so that's what I would ask,

523
00:24:57,920 --> 00:25:01,239
Speaker 2: because children it is hard, right because I know so

524
00:25:01,240 --> 00:25:04,200
Speaker 2: many people who you know, go broke because of their kids.

525
00:25:04,200 --> 00:25:06,119
Speaker 2: But you know your kid needs more than anything else.

526
00:25:06,240 --> 00:25:08,000
Speaker 2: A mom and a dad that are not stressed about

527
00:25:08,000 --> 00:25:11,920
Speaker 2: their finances, you know, like and so that's so it's hard.

528
00:25:11,960 --> 00:25:14,600
Speaker 2: So that's what I would suggested, I'd be focusing on

529
00:25:14,680 --> 00:25:18,560
Speaker 2: making more, but being mindful, are you truly looking at

530
00:25:18,600 --> 00:25:22,720
Speaker 2: your your your budget and leaning into that plan to say,

531
00:25:22,760 --> 00:25:24,520
Speaker 2: if we make this extra money, this is where it's

532
00:25:24,520 --> 00:25:28,480
Speaker 2: going to go, versus like inflating life because now you're

533
00:25:28,520 --> 00:25:30,680
Speaker 2: making more, that's a very easy chap to fall into.

534
00:25:31,960 --> 00:25:35,600
Speaker 1: What's really challenging about this too, is that sometimes those

535
00:25:35,600 --> 00:25:38,200
Speaker 1: additional sources of income that you may get, like through

536
00:25:38,200 --> 00:25:43,440
Speaker 1: side hustles, through part time work, it's not always consistent, right,

537
00:25:43,600 --> 00:25:47,160
Speaker 1: And one of the biggest issues that I can see

538
00:25:47,160 --> 00:25:51,200
Speaker 1: her having is that this, you know, these little extra

539
00:25:51,640 --> 00:25:54,240
Speaker 1: you know, extra five hundred thousand dollars there or whatever

540
00:25:54,320 --> 00:25:57,440
Speaker 1: she may bring in, will it be consistent and continue

541
00:25:57,480 --> 00:25:59,800
Speaker 1: to meet her needs, you know, meet the needs of

542
00:26:00,040 --> 00:26:03,080
Speaker 1: paying down the debt and paying for these expenses. The

543
00:26:03,119 --> 00:26:07,040
Speaker 1: biggest cost apart from her mortgage is the childcare. And

544
00:26:07,359 --> 00:26:09,919
Speaker 1: that's the one for me that gives me every month.

545
00:26:10,359 --> 00:26:16,560
Speaker 1: And I'm like Zam and I almost feel like I

546
00:26:16,640 --> 00:26:18,119
Speaker 1: just want to. I want to draw attention to that

547
00:26:18,600 --> 00:26:21,160
Speaker 1: because any income, like is it going to be consistent?

548
00:26:21,320 --> 00:26:24,600
Speaker 1: And in the interim while you are looking potentially for

549
00:26:24,720 --> 00:26:27,720
Speaker 1: a full time job that pays you more, I don't

550
00:26:27,760 --> 00:26:30,240
Speaker 1: want that. That consumer debt, man, that's credit card debt

551
00:26:30,320 --> 00:26:33,600
Speaker 1: or personal loans. If it's credit card debt that you

552
00:26:33,640 --> 00:26:37,520
Speaker 1: know double digit interest is and if you're paying the minimums.

553
00:26:38,600 --> 00:26:41,440
Speaker 1: I know that girl. I wonder if she's done any

554
00:26:41,480 --> 00:26:44,080
Speaker 1: balance transfers for the time being.

555
00:26:44,440 --> 00:26:47,000
Speaker 2: Yes, like are you managing the debt that you do? Oh?

556
00:26:47,119 --> 00:26:49,959
Speaker 2: Like to Maatie's point, yes, are there like balance stretching,

557
00:26:49,920 --> 00:26:52,879
Speaker 2: but also too for like your your mortgage. What it

558
00:26:52,920 --> 00:26:55,199
Speaker 2: sounds like your interest rate is low. But oftentimes we

559
00:26:55,200 --> 00:26:57,800
Speaker 2: don't review our interest rates and say, like, you know

560
00:26:57,840 --> 00:27:00,359
Speaker 2: what I can reachat and say, hey, why is my

561
00:27:00,359 --> 00:27:04,080
Speaker 2: interest rate so high? I was looking at my cell

562
00:27:04,080 --> 00:27:05,760
Speaker 2: phone bill the other day and I'm like, why is

563
00:27:05,760 --> 00:27:08,119
Speaker 2: this so high? You know, like I don't do extra

564
00:27:08,160 --> 00:27:09,720
Speaker 2: calls and I called. They're like, oh, you're on the

565
00:27:09,760 --> 00:27:12,719
Speaker 2: old plan that has less features. We can lower by

566
00:27:12,720 --> 00:27:15,159
Speaker 2: fifty bucks a month. I'm like, what you know? So

567
00:27:15,240 --> 00:27:17,679
Speaker 2: I'd be going going line by line for all of

568
00:27:17,680 --> 00:27:19,879
Speaker 2: the bills that I pay to make sure that this

569
00:27:20,000 --> 00:27:22,600
Speaker 2: is updated, or if I were to leave, you what

570
00:27:22,640 --> 00:27:26,399
Speaker 2: are the new people getting? So I was paying my

571
00:27:27,560 --> 00:27:30,080
Speaker 2: what is it my internet? You know, because I threatened

572
00:27:30,119 --> 00:27:32,560
Speaker 2: to leave, they took ten dollars off because I found

573
00:27:32,600 --> 00:27:34,399
Speaker 2: that I was paying eighty bucks a month for internet.

574
00:27:34,600 --> 00:27:37,320
Speaker 2: My sister's paying seventy for the same internet down the street.

575
00:27:37,400 --> 00:27:39,280
Speaker 2: And they're like, oh, because she's a new customer, I said,

576
00:27:39,280 --> 00:27:42,920
Speaker 2: we'll put ten. Like I'm in they customers. It's oftentimes

577
00:27:42,920 --> 00:27:45,120
Speaker 2: that you know, line by line, you might be able

578
00:27:45,160 --> 00:27:48,200
Speaker 2: to find one hundred two hundred dollars by going line

579
00:27:48,200 --> 00:27:50,159
Speaker 2: by line for the things that you're paying for that

580
00:27:50,200 --> 00:27:52,800
Speaker 2: it could be less someplace else, or you can negotiate.

581
00:27:52,920 --> 00:27:55,640
Speaker 2: They almost always have a retention department. You know. That's

582
00:27:55,680 --> 00:27:58,600
Speaker 2: like okay, because they don't want to lose money either, Okay, okay, okay. Well,

583
00:27:58,600 --> 00:28:00,320
Speaker 2: you know we'd rather take less money from you then

584
00:28:00,359 --> 00:28:02,239
Speaker 2: no money from you. So I'd be going line by

585
00:28:02,320 --> 00:28:03,160
Speaker 2: line to do that too.

586
00:28:03,280 --> 00:28:05,520
Speaker 1: But I like that app Rocket Money.

587
00:28:05,720 --> 00:28:06,359
Speaker 2: Yeah, used that.

588
00:28:07,280 --> 00:28:10,120
Speaker 1: They're pretty good. They're very good at helping you identify. Yeah,

589
00:28:10,119 --> 00:28:12,480
Speaker 1: they've sponsored the show before, but they're not sponsoring it now,

590
00:28:12,480 --> 00:28:14,080
Speaker 1: so I'll tell you how I really feel. And I'm kidding.

591
00:28:14,080 --> 00:28:16,080
Speaker 1: I would always tell you how I've said it before.

592
00:28:16,200 --> 00:28:18,639
Speaker 1: Rocket money is great because it helps you really identify

593
00:28:18,760 --> 00:28:21,280
Speaker 1: recurring expenses and remind you of them and help you

594
00:28:21,359 --> 00:28:23,639
Speaker 1: identify and like, oh, dang, I didn't know I was

595
00:28:23,680 --> 00:28:24,280
Speaker 1: still paying for that.

596
00:28:24,640 --> 00:28:26,600
Speaker 2: I was still paying for hinge. I han't been at

597
00:28:26,640 --> 00:28:29,639
Speaker 2: a date in a year. You're kidding, And.

598
00:28:29,640 --> 00:28:31,720
Speaker 1: That hinge costs money. I didn't know that.

599
00:28:32,040 --> 00:28:33,840
Speaker 2: Okay, I don't know if I was paying quarterly or whatever.

600
00:28:33,880 --> 00:28:38,160
Speaker 2: I was like seventy dollars. I was so mad. And

601
00:28:38,200 --> 00:28:39,920
Speaker 2: then also too, I remember I was still paying for

602
00:28:40,480 --> 00:28:43,720
Speaker 2: weight Watchers that I know. I canceled like a year

603
00:28:43,840 --> 00:28:46,160
Speaker 2: so prior, and so there were things like like you

604
00:28:46,200 --> 00:28:48,800
Speaker 2: said that you don't see, and so I was able

605
00:28:48,840 --> 00:28:51,080
Speaker 2: to go in and cancel and I was saving as

606
00:28:51,120 --> 00:28:53,280
Speaker 2: a result, at least a few hundred dollars a year

607
00:28:53,320 --> 00:28:56,520
Speaker 2: as a result. So Mandy's right, I do like a

608
00:28:56,600 --> 00:28:59,200
Speaker 2: Rocket money for that you could so, and you can

609
00:28:59,240 --> 00:29:01,000
Speaker 2: decide how much you want to pay for Rocket money

610
00:29:01,120 --> 00:29:02,080
Speaker 2: in order to use it.

611
00:29:02,160 --> 00:29:04,920
Speaker 1: So they're not so great at the cancelation part. They

612
00:29:04,960 --> 00:29:06,680
Speaker 1: say that they'll cancel stuff for you, but it's not

613
00:29:06,720 --> 00:29:09,320
Speaker 1: really that easy, but they'll help you identify it. So

614
00:29:09,440 --> 00:29:14,280
Speaker 1: which is I was going to say, especially to the

615
00:29:14,360 --> 00:29:16,479
Speaker 1: situation that you're in, because I really identify it with it.

616
00:29:16,560 --> 00:29:19,080
Speaker 1: I to have found myself in a very similar situation

617
00:29:19,160 --> 00:29:22,120
Speaker 1: with consumer debt that I'm just like, really uncomfortable with.

618
00:29:22,240 --> 00:29:25,840
Speaker 1: And one of the things that I I will say

619
00:29:25,920 --> 00:29:27,840
Speaker 1: to you, because I've said it to myself too, is

620
00:29:28,560 --> 00:29:30,400
Speaker 1: you may have to make some choices that you don't

621
00:29:30,480 --> 00:29:33,720
Speaker 1: like for the short term to make it possible to

622
00:29:33,760 --> 00:29:36,080
Speaker 1: get out of this debt hole. And one of those

623
00:29:36,120 --> 00:29:40,920
Speaker 1: decisions may be alternative childcare. It may not look like

624
00:29:40,920 --> 00:29:44,240
Speaker 1: like if you could cut out the date. You're already

625
00:29:44,240 --> 00:29:46,480
Speaker 1: paying part time, so it's not even sufficient, right You're

626
00:29:46,480 --> 00:29:49,479
Speaker 1: not getting full time care. Can you find a more

627
00:29:49,520 --> 00:29:52,160
Speaker 1: affordable childcare option? Can you have a relative move in

628
00:29:52,280 --> 00:29:54,960
Speaker 1: with you? Can you look at getting a live in

629
00:29:55,160 --> 00:29:58,000
Speaker 1: like OH pair or something like that. There's programs that

630
00:29:58,040 --> 00:29:59,960
Speaker 1: can be more cost effective if you have the space.

631
00:30:01,160 --> 00:30:03,880
Speaker 1: It's highly regulated, the OH pair business, but I've got

632
00:30:03,880 --> 00:30:06,120
Speaker 1: friends who are using O pairs and it is more

633
00:30:06,240 --> 00:30:10,600
Speaker 1: cost effective. It can be than paying for daycare for

634
00:30:10,640 --> 00:30:14,840
Speaker 1: two children, So I just want you to And these

635
00:30:14,880 --> 00:30:17,120
Speaker 1: may not sound like like I think that we get

636
00:30:17,160 --> 00:30:19,040
Speaker 1: in our thirties, we have children. It's like what I

637
00:30:19,120 --> 00:30:21,680
Speaker 1: need my mother in law, I need my aunt like

638
00:30:21,720 --> 00:30:24,120
Speaker 1: whoever to come, you know, and help me with this.

639
00:30:24,240 --> 00:30:26,479
Speaker 1: But I should be I should be able to manage this.

640
00:30:26,520 --> 00:30:29,840
Speaker 1: Why can't I manage this? Today? Is not the way

641
00:30:29,880 --> 00:30:33,000
Speaker 1: it was for our parents, like or even parents from

642
00:30:33,040 --> 00:30:37,720
Speaker 1: ten years ago. It is so hard, it is so expensive.

643
00:30:38,160 --> 00:30:40,640
Speaker 1: The costs are high, and in order to make the

644
00:30:40,680 --> 00:30:44,200
Speaker 1: money that we need to afford just basic expenses, we

645
00:30:44,240 --> 00:30:47,960
Speaker 1: need childcare and that also has gotten increasingly high. And

646
00:30:48,000 --> 00:30:51,280
Speaker 1: it's just like this catch twenty two twenty two around

647
00:30:51,320 --> 00:30:54,480
Speaker 1: the circle. You go, do I cut childcare? Okay, that'll

648
00:30:54,480 --> 00:30:56,200
Speaker 1: save me two thousand, But then I'm going to have

649
00:30:56,280 --> 00:30:58,440
Speaker 1: to how am I going to have the energy or

650
00:30:58,480 --> 00:31:01,280
Speaker 1: the wits about me to get extra income If I

651
00:31:01,320 --> 00:31:04,040
Speaker 1: got these you can't do it, And so you kind

652
00:31:04,080 --> 00:31:06,840
Speaker 1: of get locked into this cycle where you're just like

653
00:31:06,920 --> 00:31:09,640
Speaker 1: in this hamster will and to really break free, we

654
00:31:09,720 --> 00:31:12,040
Speaker 1: have to figure out how can we reduce the cost

655
00:31:12,160 --> 00:31:16,400
Speaker 1: of that childcare. So that's one thing, and then the

656
00:31:16,440 --> 00:31:18,560
Speaker 1: money that you were putting toward that childcare. You could

657
00:31:18,600 --> 00:31:20,920
Speaker 1: be putting it, you know, depending on how much you're saving.

658
00:31:20,920 --> 00:31:23,440
Speaker 1: And I'm not saying don't have childcare. I'm saying get

659
00:31:23,480 --> 00:31:27,320
Speaker 1: an alternative kind of childcare. There may be an in

660
00:31:27,480 --> 00:31:30,440
Speaker 1: home daycare service that you can find that can be reputable.

661
00:31:30,920 --> 00:31:33,120
Speaker 1: You may find you know, relatives, you can do a

662
00:31:33,240 --> 00:31:35,960
Speaker 1: nanny share potentially, because I know we're all in the

663
00:31:35,960 --> 00:31:39,720
Speaker 1: same boat as far as childcare goes. But reaching out

664
00:31:39,760 --> 00:31:42,480
Speaker 1: and getting help to get you through this rough patch

665
00:31:42,680 --> 00:31:45,840
Speaker 1: is going to be essential. And that will also buy

666
00:31:45,880 --> 00:31:48,480
Speaker 1: you some extra time for the time that it may

667
00:31:48,520 --> 00:31:51,400
Speaker 1: take to get that higher paying job because the job

668
00:31:51,440 --> 00:31:54,080
Speaker 1: market is not impossible right now, but it is very tight.

669
00:31:54,400 --> 00:31:56,840
Speaker 1: There is a lot of competition, there are fewer jobs.

670
00:31:57,640 --> 00:32:00,920
Speaker 1: The average time people are spending unemployed looking for jobs

671
00:32:00,960 --> 00:32:06,240
Speaker 1: is about six months now. Yes, so I am with

672
00:32:06,360 --> 00:32:08,440
Speaker 1: all you have going on, I know how overwhelming it

673
00:32:08,440 --> 00:32:13,160
Speaker 1: could be. But I'll also add to reach out to

674
00:32:13,280 --> 00:32:16,440
Speaker 1: your connections, like start letting them know that you're looking for,

675
00:32:17,000 --> 00:32:19,720
Speaker 1: you know, new opportunities, Start letting them know to keep

676
00:32:19,720 --> 00:32:22,440
Speaker 1: an eye out for you, because that's really.

677
00:32:22,200 --> 00:32:24,520
Speaker 2: The only way to speed up.

678
00:32:24,960 --> 00:32:27,560
Speaker 1: In my experience as a coach, Like, the only way

679
00:32:27,600 --> 00:32:31,600
Speaker 1: to speed up the application and hiring process is if

680
00:32:31,600 --> 00:32:33,880
Speaker 1: you have a human being who can fast track you

681
00:32:34,720 --> 00:32:38,320
Speaker 1: on the inside, because the stacks of resumes it's a

682
00:32:38,320 --> 00:32:40,680
Speaker 1: lottery at this point. You know, for a lot of jobs,

683
00:32:40,880 --> 00:32:43,200
Speaker 1: it's like, will it be the one that the recruiter sees?

684
00:32:43,480 --> 00:32:46,360
Speaker 1: Will it out of the dozens that maybe hundreds that

685
00:32:46,400 --> 00:32:50,960
Speaker 1: are you know, flooding the system. I just yeah, I

686
00:32:50,960 --> 00:32:55,000
Speaker 1: have lots of compassion for you, and I know she's

687
00:32:55,000 --> 00:32:57,400
Speaker 1: looking at that hundred and k one hundred and eighty

688
00:32:57,480 --> 00:33:01,120
Speaker 1: k retirement funds wanted to cash it at I'd be

689
00:33:01,160 --> 00:33:03,040
Speaker 1: looking at mine too.

690
00:33:02,440 --> 00:33:06,440
Speaker 2: I took mine now, and I'm like, damn, but you

691
00:33:06,560 --> 00:33:09,560
Speaker 2: made it back though, Yeah, but not you never get

692
00:33:09,640 --> 00:33:12,959
Speaker 2: the lost you know, compounded interest and growth back, you know.

693
00:33:13,480 --> 00:33:15,959
Speaker 1: Yeah, And then if you do that, you'll just end

694
00:33:16,040 --> 00:33:20,800
Speaker 1: up because the consumer debt's not gonna like maybe that'll

695
00:33:20,840 --> 00:33:23,240
Speaker 1: save you now you can get sixty k and pay

696
00:33:23,280 --> 00:33:25,760
Speaker 1: it down. But then if you don't fix the budget issues,

697
00:33:25,800 --> 00:33:29,120
Speaker 1: the income versus expense issues, you will wind up in

698
00:33:29,160 --> 00:33:31,520
Speaker 1: the same space again. Like you have said, after you

699
00:33:31,640 --> 00:33:36,000
Speaker 1: got that one loan that you took out, we got

700
00:33:36,040 --> 00:33:38,400
Speaker 1: to find every way to reduce those costs as much

701
00:33:38,440 --> 00:33:43,600
Speaker 1: as we can. Thank you for your question anything else, TV.

702
00:33:44,000 --> 00:33:45,960
Speaker 2: No, I think that that was really great advice. Sometimes

703
00:33:46,000 --> 00:33:47,760
Speaker 2: you're right. Sometimes we have to make the big, hard

704
00:33:47,840 --> 00:33:50,080
Speaker 2: choices that feel very like I don't want to.

705
00:33:50,360 --> 00:33:52,360
Speaker 1: And I would say this that just for a season,

706
00:33:52,840 --> 00:33:53,680
Speaker 1: not forever.

707
00:33:53,520 --> 00:33:55,520
Speaker 2: I promise you. Our parents did. We were walked by

708
00:33:55,560 --> 00:33:57,720
Speaker 2: the neighbors, the lady down the street that kept kids

709
00:33:57,760 --> 00:34:00,560
Speaker 2: like our parents were not doing it with the help.

710
00:34:00,600 --> 00:34:03,479
Speaker 2: It's just it just looked different, you know. But no,

711
00:34:03,600 --> 00:34:06,200
Speaker 2: there's just not possible to do things by yourself.

712
00:34:06,240 --> 00:34:09,120
Speaker 1: So my mom had us an aftercare, but it was free.

713
00:34:09,560 --> 00:34:12,480
Speaker 1: Now I'm paying six hundred a month for the extra

714
00:34:12,520 --> 00:34:15,400
Speaker 1: four hours a day that my son, you know, stays

715
00:34:15,440 --> 00:34:17,719
Speaker 1: at his elementary school. And I'm like, oh, even so

716
00:34:17,840 --> 00:34:20,879
Speaker 1: that even with him being in school at public school,

717
00:34:21,040 --> 00:34:23,880
Speaker 1: I still have to pay. Then the activities.

718
00:34:23,760 --> 00:34:26,279
Speaker 2: Girls had, there was a library right next door. I

719
00:34:26,320 --> 00:34:28,880
Speaker 2: remember in second grade we had to cross the street

720
00:34:28,880 --> 00:34:31,200
Speaker 2: and go to the Roselle Library and stay there until

721
00:34:31,200 --> 00:34:34,239
Speaker 2: six till my dad picked us up. That was and

722
00:34:34,320 --> 00:34:37,359
Speaker 2: how over y'all? Girl was like the second grade like

723
00:34:37,520 --> 00:34:39,440
Speaker 2: that was like girl, We ain't got no money, so

724
00:34:39,719 --> 00:34:41,359
Speaker 2: make sure you and your sisters don't talk to those

725
00:34:41,360 --> 00:34:43,400
Speaker 2: strangers and read these books, and the libraries would know

726
00:34:43,480 --> 00:34:46,440
Speaker 2: us and be like hi girls. And that's when I

727
00:34:46,440 --> 00:34:48,719
Speaker 2: became an avid reader, because that's what I mean to

728
00:34:48,800 --> 00:34:51,120
Speaker 2: your point. I mean, yeah, it was just like the

729
00:34:51,160 --> 00:34:53,040
Speaker 2: library was literally next door to our school and we

730
00:34:53,040 --> 00:34:55,480
Speaker 2: would just walk with with a bunch of other kids,

731
00:34:55,520 --> 00:34:58,000
Speaker 2: and you had to do your homework. There was no

732
00:34:58,040 --> 00:34:59,759
Speaker 2: after care. That's what it was. It was like the

733
00:34:59,800 --> 00:35:02,120
Speaker 2: life variants were like, yeah, behave yourself before I tell

734
00:35:02,160 --> 00:35:03,200
Speaker 2: because I know y'all gets thinking.

735
00:35:05,360 --> 00:35:07,799
Speaker 1: See see parents were not doing it like we're doing

736
00:35:07,800 --> 00:35:10,360
Speaker 1: it so hard if you're trying to do the classic

737
00:35:10,840 --> 00:35:14,080
Speaker 1: child care situation today. But all right, budget savvy and stuck.

738
00:35:14,120 --> 00:35:18,360
Speaker 1: I hope that that is helpful. Tiffany, thank you for

739
00:35:18,480 --> 00:35:23,000
Speaker 1: joining me for ba Q just like old time.

740
00:35:23,200 --> 00:35:25,000
Speaker 2: I know that's so crazy. After I'm like sitting in

741
00:35:25,000 --> 00:35:28,000
Speaker 2: the same seat like, oh and I love this.

742
00:35:28,000 --> 00:35:31,280
Speaker 1: This is new, this little the little background, Yeah.

743
00:35:31,400 --> 00:35:33,160
Speaker 2: No, no, the what is this above? It said Brandon

744
00:35:33,160 --> 00:35:35,440
Speaker 2: Bischitt on my screen, like on my.

745
00:35:35,840 --> 00:35:38,880
Speaker 1: Oh the little logo? Yeah, oh yes, I'm very official.

746
00:35:38,920 --> 00:35:40,759
Speaker 1: Now you see what happens when I have my full

747
00:35:40,840 --> 00:35:43,879
Speaker 1: attention on the podcast. Yes that said, look at many

748
00:35:44,480 --> 00:35:45,240
Speaker 1: everything is better.

749
00:35:45,480 --> 00:35:49,680
Speaker 2: I love it. I'm cute. Are we here? No? But

750
00:35:49,680 --> 00:35:52,800
Speaker 2: honestly it is great being me back. And I love y'all.

751
00:35:52,880 --> 00:35:55,480
Speaker 2: And like I said, I just you know, I'm just

752
00:35:55,520 --> 00:35:58,120
Speaker 2: so proud of bandy. She is in her element, slaying

753
00:35:58,680 --> 00:36:00,440
Speaker 2: and making to do what to do, and I love

754
00:36:00,480 --> 00:36:02,840
Speaker 2: to be outside when people are like, tell maybe I

755
00:36:02,880 --> 00:36:05,759
Speaker 2: love her, I'm like, I know, I love you too.

756
00:36:06,600 --> 00:36:07,719
Speaker 1: Download the show.

757
00:36:10,400 --> 00:36:13,040
Speaker 2: All right, until next time, all.

758
00:36:13,280 --> 00:36:16,439
Speaker 1: Sunshine, I'll talk to you soon, I guess. Bye bye,

759
00:36:17,520 --> 00:36:18,200
Speaker 1: ba fan