WEBVTT - Tiffany To the Rescue! [BA QA]

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<v Speaker 1>Hey, hey, BA fam, welcome to the b a QA

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<v Speaker 1>where I take your questions and I give you like

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

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

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<v Speaker 1>This is my show now.

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<v Speaker 2>Hey hey, no, no matter.

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<v Speaker 1>We don't sing anymore. Listen new rules.

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<v Speaker 2>Who lets you in.

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<v Speaker 1>The back door? Girl that keys to the house?

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<v Speaker 2>I do. I was just in here, just in the

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<v Speaker 2>cat on the couch, kicking my feet up.

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<v Speaker 1>Hi Tiffany, Hi, Nandra.

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<v Speaker 2>Oh it feels so good to be home.

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<v Speaker 1>It feels yeah, it does feel I mean it's like

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<v Speaker 1>you never left. You never left me. It may feel

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

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<v Speaker 1>a special chat. I would say she's here to just

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<v Speaker 1>take your BA questions because she loves you guys so much.

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<v Speaker 1>But girl, she got something to promote what's been going

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<v Speaker 1>on TV sty.

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<v Speaker 2>You know what I love most is that Mandy, I

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<v Speaker 2>see you more now that we don't do BA together.

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<v Speaker 2>And then I'm like, yeah, which is crazy, Like I

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<v Speaker 2>just saw Maddie like two weeks ago, but even before that,

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<v Speaker 2>we went we met up in New York and had yummy, yummy,

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<v Speaker 2>yummy sushi dinner. Oh yes.

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<v Speaker 1>And then I brought my kids to your house. Yeah,

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<v Speaker 1>tear it up.

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<v Speaker 2>And then we hung out that and then so I

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<v Speaker 2>have a PBS special based upon my New York Times bessella.

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<v Speaker 2>The book is called Get Good with Money, but so

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<v Speaker 2>is the special. And so I had like a premiere

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<v Speaker 2>party at this beautiful mansion called the Cooker Scott Mansion

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<v Speaker 2>owned by the first black millionaire in Newark, woman black

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<v Speaker 2>woman millionaire in Newark, and so to be able to

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<v Speaker 2>use that space and Mandy came.

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<v Speaker 1>It was beautiful. Yeah, it was very very special. I'm

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<v Speaker 1>really glad that you had a party to celebrate it too.

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<v Speaker 2>I wasn't gonna, but then I said, no, we're because

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<v Speaker 2>I guess I didn't feel like all the fuss and

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<v Speaker 2>you know, popping circumstance. I said no. And what I

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<v Speaker 2>loved is that it felt like because it was a

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<v Speaker 2>brunch and it just felt like, I don't know, like

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<v Speaker 2>the homies were over like. It felt like it because

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<v Speaker 2>about one hundred people, give or take, you'd say, right,

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<v Speaker 2>but I don't know.

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

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<v Speaker 1>we had to drag stools, but it just felt like home.

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<v Speaker 2>It was my parents came, my sisters, came, my niece,

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<v Speaker 2>my nephew, my friends. So it very much felt like

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<v Speaker 2>I was just having people over at my beautiful house,

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<v Speaker 2>eating delicious food. Got to watch a little clip of

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<v Speaker 2>the PBS special. Take some questions. Even Mandy took some

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<v Speaker 2>questions because Ba is always in the building.

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<v Speaker 1>Listen. That was fun. It felt very natural. Well, first

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<v Speaker 1>of all, it was your party, but I felt like

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<v Speaker 1>I was the groom or something because people were stopping me.

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<v Speaker 1>I did not even get to taste the buffet food.

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<v Speaker 1>I'm I'm glad I got a little bite before the

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<v Speaker 1>screening happened. But I also feel like in the crowd

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<v Speaker 1>were a lot of Dreamcatchers. And these were the Dreamcatchers

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<v Speaker 1>who got on the bus. Because y'all understand PPS does

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<v Speaker 1>not tape in New York. You know, doesn't tape downtown,

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<v Speaker 1>doesn't tape in Newark. It tape tapes where up up, up,

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<v Speaker 1>up upstate, Yes, Troy, Yeah, right, like a three hour

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<v Speaker 1>bus ride, so y'all literally bussed Dreamcatchers from from Jersey,

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<v Speaker 1>from the city where they all come from.

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<v Speaker 2>They went to Newark. MM hm.

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<v Speaker 1>They went to Newark, hopped on a bus, went three

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<v Speaker 1>hours up state to see you record this. So it

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<v Speaker 1>was like a live taping.

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<v Speaker 2>Yes, it was a live taping and I needed it

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<v Speaker 2>because I'm not gonna lie with and.

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<v Speaker 1>The dead of winter.

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

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<v Speaker 2>think anyone was gonna come because I'm not gonna lie.

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<v Speaker 2>I wasn't gonna come unless like had to. But they

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<v Speaker 2>were so joyful, they brought such good energy. So just backstory.

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<v Speaker 2>So maybe like I don't know, six or seven months

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<v Speaker 2>or so, maybe longer. My book agent, Heather said, hey,

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<v Speaker 2>do you want a PBS special, like if I was

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<v Speaker 2>asking if I want to slice the pizza. I was like,

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<v Speaker 2>I mean, yeah, I guess you know, to.

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<v Speaker 3>Me fourteen of them right now, yeah, exactly, and so

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<v Speaker 3>but she said, you know it's not guaranteed obviously, but

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<v Speaker 3>she said a friend of mine it is a producer there,

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<v Speaker 3>and you know, I just thought about you, and I said, oh,

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<v Speaker 3>let's ask Tiffany.

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<v Speaker 2>So I met with him. He was really nice. He's

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<v Speaker 2>one of these like ornery like old dudes, you know,

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<v Speaker 2>like I don't like nobody. Like it was like you

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<v Speaker 2>seem okay after our meeting not OSK for the Crouch, yes,

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<v Speaker 2>and producing the special. But then he was also like, well,

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<v Speaker 2>I'm going to pitch it to PBS. They're probably gonna

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<v Speaker 2>say no. I said, no problem, you know, because I

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<v Speaker 2>just really was chilling.

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<v Speaker 1>Why would they say no?

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<v Speaker 2>I don't know, like he's basically I think he was

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<v Speaker 2>just trying to set expectations that okay, you know. So

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<v Speaker 2>I said okay, and then they pitched it. PBS said yes,

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<v Speaker 2>and then I started to have to work on the script.

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<v Speaker 2>This was I want to say December, like October, October

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<v Speaker 2>and December, because you know, I was not working in November,

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<v Speaker 2>and so well.

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<v Speaker 1>That's right, you got the special and then you were like,

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<v Speaker 1>how fun see you in a month?

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<v Speaker 2>Yes they were, but I told, yes, okay. I held

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<v Speaker 2>steady to that boundary of like, I do not work

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<v Speaker 2>in November. And I said it from the very beginning.

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

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<v Speaker 2>I just don't you know, like other like if I

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<v Speaker 2>had like just a month off just because maybe, but

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<v Speaker 2>I'm like, now I'm not going to be here, I

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

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<v Speaker 2>done they had used the book to create like a makeshift,

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<v Speaker 2>if you will, a script, and then I just came

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<v Speaker 2>in edited it down, and then I met with the

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<v Speaker 2>director and then the producer and we ran through it

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

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<v Speaker 2>so critical about any time you do any show. You

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<v Speaker 2>have to be able to take direction and put it

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<v Speaker 2>to use right away, and so not to have ego

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

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<v Speaker 2>of this? Or can you do this instead of that?

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<v Speaker 2>So doing the zoom, you know, that was having to

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<v Speaker 2>make you know, impromptu corrections, and so they were like

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<v Speaker 2>that was really good, Tiffany, you know, and I said okay.

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<v Speaker 2>And when I hung up from that zoom, because we've

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<v Speaker 2>maybe met two or three times to practice something like

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<v Speaker 2>the Divine God, was like, this is bigger than PBS.

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<v Speaker 2>Because I think I was, if you know me, Mandy,

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<v Speaker 2>sometimes I'm like, okay, got child, you know, like I

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

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<v Speaker 2>I won't say I wasn't taking it seriously, but I

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<v Speaker 2>wasn't like take goodness seriously, and so I got a

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<v Speaker 2>little freaked out, like what do you mean? It was

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<v Speaker 2>like this is bigger than PBS. Basically, it was like

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<v Speaker 2>get your shit together because I.

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<v Speaker 1>Was this voice, this voice that tells you things. Yes,

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<v Speaker 1>you've grown ambition, I know, but I was wh look,

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

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<v Speaker 1>Does the voice have anything to tell me? Flatto numbers?

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<v Speaker 2>Right? So I said, oh, okay. So and then in

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<v Speaker 2>I think it was end of December, they were like,

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<v Speaker 2>all right, Tiffany, come and tape and I you know,

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<v Speaker 2>so I got there the day before, did a walk through,

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

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<v Speaker 1>I can I just interrupt for a second because not like

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<v Speaker 1>I haven't been interrupting you since we started that show

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<v Speaker 1>ten years ago together. But Tiffany did not even tell

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<v Speaker 1>me this was happening. And I like to think that

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<v Speaker 1>we're friend friends now, you know, like on the weekend,

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<v Speaker 1>I kind of know what you're up to. Whatever you

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<v Speaker 1>said nothing. I don't think I would have known had

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<v Speaker 1>I not texted you. And you're like, oh, I'm on

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

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<v Speaker 2>What you know? What it is? Banded? Because I don't know.

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<v Speaker 2>There is a part of me that I think when

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<v Speaker 2>the feelings get too big, I call a vacuum ceiling

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<v Speaker 2>to like make them really small.

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<v Speaker 1>And I'm like, it's really clever.

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<v Speaker 2>It's no biggie, and that's how I manage.

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<v Speaker 1>And so yeah, no, I get it, you know.

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<v Speaker 2>And so I it didn't really hit me. I didn't think.

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<v Speaker 2>I think the vacuum seel like punctured when I got

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<v Speaker 2>on set and I saw my face and my words

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<v Speaker 2>and my and then I said, like hyperventilating, like, oh

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<v Speaker 2>my gosh, this is a big deal.

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

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<v Speaker 2>No, it was just me myself and I and I said, wait,

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<v Speaker 2>the cameras everyone's just looking and I just was like,

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<v Speaker 2>and you know, cause I guess they sent a carter

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

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<v Speaker 2>run through, and this is your Her name is Karence,

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<v Speaker 2>who's really nice. This is your teleprompter person.

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<v Speaker 1>And I was like, hell, this is the day before

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

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

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<v Speaker 2>whatever you need. And I said, okay, Meanwhile, maybe two

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<v Speaker 2>weeks prior, Cabral said, get you behind over the elegant

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<v Speaker 2>eyes to get you some glasses. I said, I don't

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

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<v Speaker 2>I went and sure enough, I'm twenty fifty. So I'm

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<v Speaker 2>about five years late, but needing glasses.

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<v Speaker 1>Yeah, twenty fifty girl.

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<v Speaker 2>Cabral was like, how are you managing these streets?

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<v Speaker 1>I said, they didn't take your license away. I mean,

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<v Speaker 1>he said, oh my god.

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<v Speaker 2>So he ordered them. I bought some really key glasses.

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<v Speaker 2>He ordered them, but I didn't have them with me

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<v Speaker 2>in Upstate because why would I.

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<v Speaker 1>So I get say you had your possession, you had

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<v Speaker 1>them in your possession.

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<v Speaker 2>No, Cabral had ordered them, but I didn't. I think

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<v Speaker 2>it was the big deal. I'm not waring glasses my

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<v Speaker 2>whole life. I get there teleprompter time, Mandra I'm a

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<v Speaker 2>squintan and a in a in a squeezing and a

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

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<v Speaker 2>the room was silent and you so you heard the random.

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<v Speaker 1>Cough, you know, like in the awful because the rehearsal,

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<v Speaker 1>there's no there's no studio audience. It's just like producers

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<v Speaker 1>or you know whatever.

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<v Speaker 2>And I was cluttering and then I was like, maybe

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<v Speaker 2>if you could make the tail pump the slower and

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<v Speaker 2>even still, I'm like one day girl, the way my

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<v Speaker 2>heart is racing, I thought. And I remember like the

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<v Speaker 2>inner Tiffany said we cannot do this. This is too hard.

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

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<v Speaker 2>we cannot do this. This is too hard. And then

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<v Speaker 2>this other Tiffany was like, fight back by back, fight back,

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<v Speaker 2>and I said, what do you need, Tiffany, Because you're

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<v Speaker 2>right doing this like this with the teleprompter. It is

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<v Speaker 2>too hard. What do you need? And I said, I

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<v Speaker 2>need to do it like I would normally do it.

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<v Speaker 2>And I said it out loud. I said, can I

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<v Speaker 2>do this like I would normally do it? And they

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<v Speaker 2>were like, well, what is that? I'm like, well, if

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<v Speaker 2>I was going to do a keynote, I would basically

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<v Speaker 2>have like like some cards or the paper in my

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<v Speaker 2>hand and I would just glance at it every once

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<v Speaker 2>in a while and just teach the lesson because I

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<v Speaker 2>know these lessons. And so they said, okay, So I

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<v Speaker 2>grabbed the paper, I looked. I said, Oh, next subject

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<v Speaker 2>is budgeting. I taught the lesson. Next uptic was credit.

0:10:36.520 --> 0:10:38.920
<v Speaker 2>I taught the lesson. So we did a run through

0:10:39.040 --> 0:10:40.960
<v Speaker 2>with that way and they said, what are you doing

0:10:40.960 --> 0:10:44.320
<v Speaker 2>there because you can't have paper obviously on TV. I said, well,

0:10:45.280 --> 0:10:47.280
<v Speaker 2>I just need like a visual prompt to be like, oh,

0:10:47.320 --> 0:10:49.080
<v Speaker 2>the next lesson is credit, but I already know, like

0:10:49.080 --> 0:10:51.880
<v Speaker 2>what I'm teaching. The next question, like the next subject

0:10:51.920 --> 0:10:54.040
<v Speaker 2>is dead. And they said, what if we could do

0:10:54.080 --> 0:10:56.680
<v Speaker 2>that on a teleprompter just the word budget, so you know,

0:10:57.240 --> 0:10:59.760
<v Speaker 2>just do your budgeting lesson be huge so you don't

0:10:59.800 --> 0:11:02.440
<v Speaker 2>have to yeah, just to work credit. And I said, okay,

0:11:02.480 --> 0:11:04.640
<v Speaker 2>So we did a little bit testing of that much better.

0:11:04.800 --> 0:11:07.560
<v Speaker 2>I was still freaked out, so I still, you know,

0:11:07.960 --> 0:11:10.480
<v Speaker 2>so it wasn't my normal tiffany self and the people.

0:11:10.520 --> 0:11:12.280
<v Speaker 2>This person was there. Everybody was just in the room

0:11:12.320 --> 0:11:15.040
<v Speaker 2>looking like that was better. But I hope she freaking

0:11:15.120 --> 0:11:17.640
<v Speaker 2>gets it together tomorrow. So I go back to my

0:11:17.720 --> 0:11:20.240
<v Speaker 2>hotel just rock myself to sleep for just two hours

0:11:20.240 --> 0:11:22.800
<v Speaker 2>because I'm jittery and nervous. I go with the script

0:11:22.840 --> 0:11:26.079
<v Speaker 2>ten thousand times. I practiced with just looking at the word,

0:11:26.600 --> 0:11:28.440
<v Speaker 2>and then I was like, Tiffany, you got this, do

0:11:28.559 --> 0:11:31.360
<v Speaker 2>it the way. You know, you're not reading a script,

0:11:31.480 --> 0:11:34.320
<v Speaker 2>just teach the lesson. And so you have to do

0:11:34.400 --> 0:11:37.200
<v Speaker 2>two full dress to run throughs one with no audience.

0:11:37.480 --> 0:11:39.760
<v Speaker 2>So in the morning, maybe at eleven, I did a

0:11:39.800 --> 0:11:42.400
<v Speaker 2>full dress rehearsal and they recorded that way when they

0:11:42.440 --> 0:11:44.960
<v Speaker 2>record with the audience, in case something needs to be

0:11:44.960 --> 0:11:48.199
<v Speaker 2>swapped out, they have a clean version, you know. So

0:11:48.360 --> 0:11:50.880
<v Speaker 2>I did it and it was really good. I'll give

0:11:50.920 --> 0:11:54.199
<v Speaker 2>it a solid B plus. You know, I was like okay, okay.

0:11:55.400 --> 0:11:58.160
<v Speaker 2>And then and then when the audience came, maybe like

0:11:58.160 --> 0:12:00.520
<v Speaker 2>three or four or something like that, so I just

0:12:00.640 --> 0:12:03.760
<v Speaker 2>chilled and they came back. And now with the audience,

0:12:03.840 --> 0:12:06.839
<v Speaker 2>you know, filled with all these beautiful brown faces. They

0:12:07.200 --> 0:12:09.800
<v Speaker 2>also paid they sometimes they do like paid audience, So

0:12:09.800 --> 0:12:12.600
<v Speaker 2>I want to say maybe like ten fifteen were like

0:12:12.720 --> 0:12:16.160
<v Speaker 2>paid like audience members. And then but everybody else was

0:12:16.160 --> 0:12:18.960
<v Speaker 2>a dream catcher and so that energy. Oh I was

0:12:19.000 --> 0:12:20.360
<v Speaker 2>up there cutting U because you know, you ain't got

0:12:20.400 --> 0:12:22.120
<v Speaker 2>to give me any but but a mic, and and.

0:12:24.280 --> 0:12:26.920
<v Speaker 1>What with the crowd? I want because you told me

0:12:26.960 --> 0:12:28.839
<v Speaker 1>this and I was I was like, of course, it

0:12:28.960 --> 0:12:31.240
<v Speaker 1>was so genius of you to bring to Bust in

0:12:31.320 --> 0:12:34.120
<v Speaker 1>Dreamcatchers because if you hadn't, who would have Who would

0:12:34.160 --> 0:12:37.680
<v Speaker 1>the PBS on a on a random Sunday audience be.

0:12:38.040 --> 0:12:41.560
<v Speaker 2>You already know seventy and Troy, New York, all the

0:12:41.600 --> 0:12:44.080
<v Speaker 2>white folks, which you know, it's cute, but it wouldn't

0:12:44.080 --> 0:12:45.920
<v Speaker 2>have been the same energy, and it wasn't my idea.

0:12:46.000 --> 0:12:48.440
<v Speaker 2>This is why I almost messed up again. They said,

0:12:48.559 --> 0:12:50.640
<v Speaker 2>let's bust and Dreamcatchers. I said, no one's gonna come.

0:12:50.760 --> 0:12:53.839
<v Speaker 2>No one was there. So PBS said we would love

0:12:53.920 --> 0:12:56.120
<v Speaker 2>to have Dreamcatchers in the audience. I said, no one's

0:12:56.160 --> 0:12:58.920
<v Speaker 2>coming to Troy, New York and they were like, no, no, no,

0:12:58.960 --> 0:13:01.720
<v Speaker 2>let's do it. And honestly, I said, uh, I don't

0:13:01.760 --> 0:13:04.079
<v Speaker 2>want to be responsible for filling this audience. You know

0:13:04.160 --> 0:13:05.839
<v Speaker 2>y'all didn't tell me that's what you needed me to do.

0:13:05.960 --> 0:13:09.600
<v Speaker 2>I leave for my November hiatus in a week. I don't,

0:13:09.640 --> 0:13:11.520
<v Speaker 2>you know, just just go ahead and fill it with whoever.

0:13:12.120 --> 0:13:14.280
<v Speaker 2>Thank god, they did not listen to me, so when

0:13:14.280 --> 0:13:16.720
<v Speaker 2>I was gone, they connected with Logan on my team,

0:13:16.720 --> 0:13:20.160
<v Speaker 2>who connected with Tamika, who is the ultimate dream Catcher.

0:13:20.200 --> 0:13:23.560
<v Speaker 2>She's our DreamCatcher President. She reached out and was like,

0:13:23.679 --> 0:13:25.719
<v Speaker 2>we are motive, we are we are getting on board

0:13:25.760 --> 0:13:29.040
<v Speaker 2>for Tiffany. Everyone loves Tamika, and I thank God for

0:13:29.080 --> 0:13:32.600
<v Speaker 2>that because it would have been different. And so they

0:13:32.640 --> 0:13:35.760
<v Speaker 2>came in and when I was getting ready, so I mean,

0:13:35.840 --> 0:13:38.120
<v Speaker 2>I got fifty hugs. Yes, girl, you got you know,

0:13:38.320 --> 0:13:42.120
<v Speaker 2>nothing uplifts you like a black month. Okay, nothing, I

0:13:42.200 --> 0:13:45.120
<v Speaker 2>mean the way they pumped me up. By the time

0:13:45.120 --> 0:13:46.640
<v Speaker 2>I was out there, I don't even know what the

0:13:46.679 --> 0:13:48.360
<v Speaker 2>director was saying. I was just talking to my girls,

0:13:48.400 --> 0:13:49.479
<v Speaker 2>like ay, indeed.

0:13:50.080 --> 0:13:54.000
<v Speaker 1>Yep, yeah, And you're in your element. You're in your

0:13:55.240 --> 0:13:57.760
<v Speaker 1>your comfort zone, which is what I think to be

0:13:57.920 --> 0:14:02.760
<v Speaker 1>asked to do so much. You you were really good.

0:14:02.840 --> 0:14:04.360
<v Speaker 1>I mean, first of all, your team was great to

0:14:04.400 --> 0:14:05.959
<v Speaker 1>work with them and get that done. Second of all,

0:14:06.000 --> 0:14:07.480
<v Speaker 1>you advocated for the style and.

0:14:07.880 --> 0:14:11.719
<v Speaker 2>Yes, and that's just so proud of you. Honestly, I

0:14:11.960 --> 0:14:13.559
<v Speaker 2>felt really good about it. And that's why I said, no,

0:14:13.600 --> 0:14:16.760
<v Speaker 2>we're gonna celebrate the fact, like the average watcher of

0:14:16.800 --> 0:14:19.160
<v Speaker 2>phibs is a seventy three year old woman. The white

0:14:19.200 --> 0:14:22.840
<v Speaker 2>part is silent, but it is, and so you know,

0:14:22.880 --> 0:14:25.920
<v Speaker 2>I wasn't expecting. That's why I was like well, you know,

0:14:26.080 --> 0:14:30.360
<v Speaker 2>I'm not gonna this is not gonna move the needle

0:14:30.480 --> 0:14:32.560
<v Speaker 2>or shit. That's what I told myself. But you don't

0:14:32.600 --> 0:14:34.480
<v Speaker 2>know what moves the needle, and so you don't know.

0:14:34.520 --> 0:14:36.960
<v Speaker 2>It takes one person to watch and maybe they tell

0:14:37.000 --> 0:14:39.040
<v Speaker 2>their grandson who works for x Y. I don't know

0:14:39.120 --> 0:14:41.080
<v Speaker 2>what the what's on the other side of this, but

0:14:41.480 --> 0:14:44.360
<v Speaker 2>what I know is that for the first time I

0:14:44.400 --> 0:14:47.560
<v Speaker 2>advocated for myself in this kind of way, I got

0:14:47.600 --> 0:14:49.480
<v Speaker 2>what I needed to be able to show up fully.

0:14:50.080 --> 0:14:52.360
<v Speaker 2>I you know, I'm so glad I'm learning to let

0:14:52.400 --> 0:14:54.960
<v Speaker 2>people like do for me, like the fact that drink

0:14:55.000 --> 0:14:56.920
<v Speaker 2>catchers are like, are you crazy? Of course we're coming,

0:14:57.400 --> 0:15:01.400
<v Speaker 2>And then to purposefully celebrate like this celebration was different

0:15:01.400 --> 0:15:03.720
<v Speaker 2>than Netflix because Netflix, we did a full premiere and

0:15:03.760 --> 0:15:06.720
<v Speaker 2>it was more so like pop and circumstance. This was

0:15:06.760 --> 0:15:10.360
<v Speaker 2>a true celebration like family, friends, loved ones, and that's

0:15:10.640 --> 0:15:12.960
<v Speaker 2>what I wanted, and so I'm really proud of the

0:15:12.960 --> 0:15:15.920
<v Speaker 2>special and only airs guaranteed until the end of the

0:15:15.920 --> 0:15:18.800
<v Speaker 2>month March. So if you haven't seen it, check your

0:15:18.800 --> 0:15:21.040
<v Speaker 2>local listings or go to PBS dot org.

0:15:21.640 --> 0:15:23.400
<v Speaker 1>You can find it online. I did find it, oh

0:15:23.440 --> 0:15:25.520
<v Speaker 1>you did it, Okay, Yeah, yeah, I think through their

0:15:25.520 --> 0:15:26.800
<v Speaker 1>YouTube channel or something, but.

0:15:26.880 --> 0:15:29.240
<v Speaker 2>Yeah, probably yes, so and you could watch. And I

0:15:29.320 --> 0:15:33.880
<v Speaker 2>do really, really really suggest that people donate to PPS.

0:15:33.920 --> 0:15:36.400
<v Speaker 2>I mean, we all grew up on Sesame Street, mister Rogers,

0:15:36.840 --> 0:15:41.000
<v Speaker 2>finding your Roots, Arthur Arthur, and you know, they were

0:15:41.000 --> 0:15:42.480
<v Speaker 2>a little bit under attack. I don't know if they

0:15:42.520 --> 0:15:45.320
<v Speaker 2>still are, and so they literally are here because of

0:15:45.400 --> 0:15:47.920
<v Speaker 2>viewers like you. You know when they say that, So you know,

0:15:48.040 --> 0:15:50.640
<v Speaker 2>donating is such a great way to keep the like

0:15:51.320 --> 0:15:53.200
<v Speaker 2>one the fact they had me on there, they let

0:15:53.240 --> 0:15:54.840
<v Speaker 2>me be my full black girl felf. I mean I

0:15:54.880 --> 0:15:58.200
<v Speaker 2>was wearing my big hoop earrings, orange dress, you know,

0:15:58.320 --> 0:16:01.200
<v Speaker 2>my locks was locking, and I was my full self.

0:16:01.400 --> 0:16:03.920
<v Speaker 2>I did not have to dim my light. And that's

0:16:03.960 --> 0:16:06.040
<v Speaker 2>the kind of programming that you get over there at PBS.

0:16:06.080 --> 0:16:09.800
<v Speaker 2>So yeah, it just was I'm really grateful. I was terrified,

0:16:10.920 --> 0:16:13.560
<v Speaker 2>but I'm grateful that I pushed through for that experience.

0:16:14.080 --> 0:16:14.880
<v Speaker 2>I'm so proud of you.

0:16:15.080 --> 0:16:17.600
<v Speaker 1>All Right, Well, y'all know what to do now, ba fan,

0:16:17.680 --> 0:16:20.400
<v Speaker 1>we gotta go to PBS dot org find Tiffany's Get

0:16:20.400 --> 0:16:24.240
<v Speaker 1>Good with Money, uh special. It's about an hour long, right,

0:16:24.280 --> 0:16:26.240
<v Speaker 1>It's a full on special. We only got a taste

0:16:26.320 --> 0:16:29.880
<v Speaker 1>of it at that at that event, but it was

0:16:29.920 --> 0:16:32.960
<v Speaker 1>so fun Also, I was cracking everybody was cracking up

0:16:33.000 --> 0:16:35.200
<v Speaker 1>at your jokes, even in that ten minute clip. And

0:16:35.240 --> 0:16:37.200
<v Speaker 1>what was so funny is like, I don't I heard

0:16:37.240 --> 0:16:41.440
<v Speaker 1>all the jokes before. I've heard the stories multiple times,

0:16:41.520 --> 0:16:43.160
<v Speaker 1>anecdotes the class.

0:16:44.360 --> 0:16:46.360
<v Speaker 2>Oh oh that's a good one. That's a good one.

0:16:46.720 --> 0:16:49.520
<v Speaker 1>But it's still funny. Like we're still cracking up. It

0:16:49.560 --> 0:16:52.920
<v Speaker 1>was such good vibes, the energy it was, it was

0:16:53.040 --> 0:16:55.400
<v Speaker 1>so fun Yeah, and it.

0:16:55.440 --> 0:16:57.200
<v Speaker 2>Was happy to see Mandy, Like it was so nice

0:16:57.240 --> 0:16:58.840
<v Speaker 2>to be like who listened to Brown Ambition And to

0:16:58.880 --> 0:17:01.040
<v Speaker 2>see all these hands come up and for them to

0:17:01.080 --> 0:17:02.640
<v Speaker 2>be like and we still listen.

0:17:02.960 --> 0:17:07.560
<v Speaker 1>I just people are very kind, even the woman who

0:17:07.600 --> 0:17:10.960
<v Speaker 1>I accidentally thought was Alyssa You're supergirl.

0:17:12.280 --> 0:17:14.879
<v Speaker 2>Man, I just kind. Brown A Bison is excellent and

0:17:15.000 --> 0:17:17.679
<v Speaker 2>still excellent. And so I just love it, like, you know,

0:17:18.240 --> 0:17:20.600
<v Speaker 2>it continues to grow. So yeah, that was just awesome.

0:17:20.640 --> 0:17:23.280
<v Speaker 2>And so I love being, you know, back, because I

0:17:23.280 --> 0:17:25.760
<v Speaker 2>think it's important for folks to see what's the aftermath

0:17:25.920 --> 0:17:29.480
<v Speaker 2>of you know, like not a breakup, because we didn't

0:17:29.480 --> 0:17:31.960
<v Speaker 2>break up, but what's the aftermath of a transition like this?

0:17:32.040 --> 0:17:35.160
<v Speaker 2>And the aftermath is, you know, Mandy and I, if anything,

0:17:35.520 --> 0:17:37.520
<v Speaker 2>closer than ever and see each other more than ever.

0:17:38.440 --> 0:17:41.119
<v Speaker 1>My face hurts from smiling right now. This is how

0:17:41.160 --> 0:17:44.360
<v Speaker 1>I felt at the event too. I'm just like, yes,

0:17:44.560 --> 0:17:45.600
<v Speaker 1>and so I just was.

0:17:45.800 --> 0:17:48.080
<v Speaker 2>You know, if you're making transition and it feels a

0:17:48.080 --> 0:17:51.080
<v Speaker 2>little scary, that's okay. But no, that transition doesn't have

0:17:51.119 --> 0:17:54.480
<v Speaker 2>to mean the end. It oftentimes is the beginning. And

0:17:55.000 --> 0:17:57.680
<v Speaker 2>you know, I don't know how many updates made it

0:17:57.760 --> 0:17:59.680
<v Speaker 2>has given, y'all, but so many amazing things are happening

0:17:59.720 --> 0:18:01.399
<v Speaker 2>for her Ba, So I'm just so proud of her,

0:18:01.440 --> 0:18:01.919
<v Speaker 2>which she's.

0:18:01.840 --> 0:18:02.720
<v Speaker 1>Haven't told them yet.

0:18:02.840 --> 0:18:05.119
<v Speaker 2>Okay, soon.

0:18:07.200 --> 0:18:09.680
<v Speaker 1>Soon I will have a fun update for va Fan.

0:18:09.800 --> 0:18:14.160
<v Speaker 1>But uh yeah, I'm just proud of us.

0:18:14.320 --> 0:18:14.760
<v Speaker 2>I love it.

0:18:14.800 --> 0:18:16.720
<v Speaker 1>I love to have you back. And it was so organic,

0:18:16.800 --> 0:18:19.240
<v Speaker 1>like of course, you know, you're welcome anytime. You still

0:18:19.240 --> 0:18:21.720
<v Speaker 1>know where the key is hidden under the under the pot?

0:18:23.720 --> 0:18:25.639
<v Speaker 2>Why do people do that the same place?

0:18:26.080 --> 0:18:29.440
<v Speaker 1>I don't know. I don't hide mine there. You won't

0:18:29.440 --> 0:18:34.000
<v Speaker 1>find a pot somewhere, all right, va Fan. Well, let's

0:18:34.000 --> 0:18:36.159
<v Speaker 1>take a quick break and then I'm putting Tiffany to

0:18:36.200 --> 0:18:38.440
<v Speaker 1>work because you know you don't come to anyone's house.

0:18:38.480 --> 0:18:41.280
<v Speaker 1>I'm empty handed as company. Okay, so she go and

0:18:41.280 --> 0:18:43.600
<v Speaker 1>get her roll up your sleeves. We're taking a b

0:18:43.720 --> 0:18:48.720
<v Speaker 1>a question. Okay, be right back, all right, ba fan Okay,

0:18:48.720 --> 0:18:52.119
<v Speaker 1>tiff back in your old stomping grounds. Let's take this

0:18:52.200 --> 0:18:54.600
<v Speaker 1>listener question. Do you want to do the disclaimer? Because

0:18:54.640 --> 0:18:56.440
<v Speaker 1>I like, I love the way that you do your

0:18:56.600 --> 0:19:00.800
<v Speaker 1>you'll be a Q you. You remember, wait what I

0:19:00.880 --> 0:19:05.320
<v Speaker 1>used to say talking about don't sue us so your grandma?

0:19:06.280 --> 0:19:09.560
<v Speaker 2>It was like, this is not a substitute for professional advice.

0:19:10.320 --> 0:19:12.720
<v Speaker 2>Don't sue us, sue your grandma. You know, like you're

0:19:12.720 --> 0:19:14.520
<v Speaker 2>supposed to take it with the smallest wand of salt.

0:19:14.760 --> 0:19:18.119
<v Speaker 2>We're not we're financial. You're pray for financial girlfriends, but

0:19:18.119 --> 0:19:23.159
<v Speaker 2>we're now your financial advisors, so keep it with Okay, okay.

0:19:23.359 --> 0:19:26.920
<v Speaker 1>Like you never left. All right, this question I thought

0:19:26.960 --> 0:19:28.879
<v Speaker 1>was perfect for you. This comes from a listener who

0:19:28.920 --> 0:19:31.920
<v Speaker 1>wants to go buy budget savvy and stuck. All right,

0:19:32.040 --> 0:19:34.280
<v Speaker 1>lucky you, budget savvy and stuck. I saved your question

0:19:34.359 --> 0:19:36.639
<v Speaker 1>for Tiffany, so she gets and this is what I

0:19:36.680 --> 0:19:39.720
<v Speaker 1>also love. Take notes from Budget Savvy and Stuck ba fam.

0:19:40.080 --> 0:19:42.800
<v Speaker 1>She just hits it with the details bullet point baby,

0:19:43.200 --> 0:19:48.439
<v Speaker 1>no novel, something I'll be sending chapter books, and I

0:19:48.520 --> 0:19:50.359
<v Speaker 1>love it, but it makes it, you know. We'll just

0:19:50.359 --> 0:19:53.080
<v Speaker 1>get to the nitty gritty, all right. Budget Savvy and

0:19:53.080 --> 0:19:55.600
<v Speaker 1>Stuck says, here are the deats. I'm in my thirties,

0:19:55.960 --> 0:19:58.800
<v Speaker 1>I'm married. We have two incomes total of about one

0:19:58.880 --> 0:20:03.679
<v Speaker 1>hundred and fifty k income, two kids. We have sixty

0:20:03.760 --> 0:20:07.720
<v Speaker 1>thousand dollars in consumer debt. We have sixty thousand dollars

0:20:07.760 --> 0:20:11.400
<v Speaker 1>in student loans. We have we pay for part time

0:20:11.480 --> 0:20:14.840
<v Speaker 1>childcare because we can't afford full time, which is between

0:20:14.880 --> 0:20:18.920
<v Speaker 1>seventeen hundred to two thousand per month. We have both

0:20:18.960 --> 0:20:21.959
<v Speaker 1>invested into retirement accounts, so we have one hundred and

0:20:21.960 --> 0:20:27.520
<v Speaker 1>eighty k excuse me save for retirement combined, but we

0:20:27.600 --> 0:20:31.320
<v Speaker 1>have no savings like cash savings due to the cost

0:20:31.359 --> 0:20:35.679
<v Speaker 1>of our expenses each month. Our mortgage is two k okay,

0:20:35.760 --> 0:20:39.000
<v Speaker 1>which is a great deal, she says, you know, compared

0:20:39.000 --> 0:20:41.320
<v Speaker 1>to the space that we need in this running areas.

0:20:42.119 --> 0:20:45.000
<v Speaker 1>So she says her biggest concern is this debt. Right,

0:20:45.080 --> 0:20:48.200
<v Speaker 1>sixty K consumer debt sixty K student loans. She says,

0:20:48.240 --> 0:20:50.440
<v Speaker 1>things are getting worse and I am out of ideas.

0:20:50.800 --> 0:20:54.920
<v Speaker 1>I've cut down on luxuries, mostly food and minimal outings.

0:20:54.960 --> 0:20:58.520
<v Speaker 1>I've tried loan forgiveness, although I've been working for nonprofits

0:20:58.520 --> 0:21:01.720
<v Speaker 1>for ten years like Tiff, and during my twenties, I

0:21:01.840 --> 0:21:06.040
<v Speaker 1>halted my loans instead of doing income based repayment. My

0:21:06.119 --> 0:21:08.720
<v Speaker 1>husband works extra to bring in more, but it gets

0:21:08.760 --> 0:21:12.119
<v Speaker 1>swiped by the kids needs. Somehow, I took a small

0:21:12.160 --> 0:21:14.359
<v Speaker 1>loan from my retirement and it helped for a month

0:21:14.440 --> 0:21:18.640
<v Speaker 1>or so, then inflation became aggressive. It's since been repaid,

0:21:19.000 --> 0:21:23.760
<v Speaker 1>but I am stuck. Is there anything any advice for

0:21:23.840 --> 0:21:27.480
<v Speaker 1>how I can get out of this hole? I could

0:21:27.480 --> 0:21:29.760
<v Speaker 1>have written this. I could have written this question honestly,

0:21:30.400 --> 0:21:31.560
<v Speaker 1>so similar.

0:21:31.680 --> 0:21:33.720
<v Speaker 2>Well, my question is did she say what she does

0:21:33.720 --> 0:21:35.000
<v Speaker 2>for a living? Maybe I didn't mean.

0:21:35.480 --> 0:21:38.160
<v Speaker 1>She says, I've been working with nonprofits for ten years,

0:21:38.359 --> 0:21:40.800
<v Speaker 1>so it sounds like she works with a nonprofit, but

0:21:40.880 --> 0:21:42.400
<v Speaker 1>she doesn't say what she does exactly.

0:21:43.040 --> 0:21:46.400
<v Speaker 2>Honestly, there are here when people don't have enough money

0:21:46.400 --> 0:21:47.880
<v Speaker 2>at the end of the month, you only have one

0:21:47.880 --> 0:21:52.080
<v Speaker 2>of two issues or combination. Right, So savvy, you either

0:21:52.160 --> 0:21:55.440
<v Speaker 2>have I don't make enough issue or spend too much issue.

0:21:55.560 --> 0:21:59.000
<v Speaker 2>And what I find when people are frugal, the first

0:21:59.000 --> 0:22:01.240
<v Speaker 2>thing they try to attack is to spend too much issue.

0:22:01.280 --> 0:22:03.800
<v Speaker 2>That doesn't sound like your issue, you know, except for

0:22:03.840 --> 0:22:05.840
<v Speaker 2>the consumer dead. But even then that might be for bailed.

0:22:05.880 --> 0:22:09.240
<v Speaker 2>So I'm not here to judge, you know, So it's

0:22:09.320 --> 0:22:12.400
<v Speaker 2>likely not to spend too much issue if you I mean,

0:22:12.600 --> 0:22:14.239
<v Speaker 2>for all the things that you've been doing and how

0:22:14.280 --> 0:22:16.600
<v Speaker 2>you've been cunning back and it sounds like I don't

0:22:16.600 --> 0:22:19.520
<v Speaker 2>make enough issue, and so that makes you you want

0:22:19.560 --> 0:22:23.680
<v Speaker 2>to put eighty percent of your financial energy and brain

0:22:23.760 --> 0:22:27.399
<v Speaker 2>toward How can I make more? Do you have to

0:22:27.480 --> 0:22:29.639
<v Speaker 2>work in the nonprofit sector? We know that doesn't pay

0:22:29.640 --> 0:22:32.080
<v Speaker 2>as much, and I know jobs are not as free flowing,

0:22:32.600 --> 0:22:34.640
<v Speaker 2>But what would it look like if you did your

0:22:34.720 --> 0:22:36.720
<v Speaker 2>job in the private sector where there might be more

0:22:37.080 --> 0:22:40.760
<v Speaker 2>income available. Are there other things you can add to

0:22:40.840 --> 0:22:46.040
<v Speaker 2>the mix? Like so many people are are entrepreneurs now,

0:22:46.200 --> 0:22:48.280
<v Speaker 2>and one of the number one things that my entrepreneur

0:22:48.320 --> 0:22:52.520
<v Speaker 2>friends ask me is virtual ad and virtual admin. You know,

0:22:52.800 --> 0:22:55.399
<v Speaker 2>is there I mean, I know people don't want to, like,

0:22:55.560 --> 0:22:57.760
<v Speaker 2>you know, get second jobs, but if you can't find

0:22:58.480 --> 0:23:01.320
<v Speaker 2>another job, that will pay you more what you're.

0:23:01.160 --> 0:23:03.640
<v Speaker 1>Needing, especially in this economy right.

0:23:03.440 --> 0:23:06.800
<v Speaker 2>Which I understand, but there are there. I mean, so

0:23:06.840 --> 0:23:09.240
<v Speaker 2>many people are needing of virtual admin so I and

0:23:09.280 --> 0:23:11.359
<v Speaker 2>everyone doesn't need like like me, I have like a

0:23:11.400 --> 0:23:15.680
<v Speaker 2>full time virtual admin, but a friend of mine does

0:23:16.200 --> 0:23:18.639
<v Speaker 2>like fractional virtual admin work, and she actually works for

0:23:18.680 --> 0:23:22.560
<v Speaker 2>four different small businesses and does light work, but it's

0:23:22.680 --> 0:23:27.480
<v Speaker 2>enough to pay her. And so considering something like that, honestly,

0:23:27.640 --> 0:23:31.000
<v Speaker 2>and considering like what I'm assuming with two kids, you're

0:23:31.040 --> 0:23:33.080
<v Speaker 2>kind of wanting to be home. That's why I suggested

0:23:33.119 --> 0:23:36.600
<v Speaker 2>like some sort of like virtual work, I would be

0:23:37.119 --> 0:23:41.480
<v Speaker 2>like steadily looking at a site. Instagram always has so

0:23:41.520 --> 0:23:44.199
<v Speaker 2>many great posts about virtual work you know that you

0:23:44.200 --> 0:23:45.800
<v Speaker 2>could do a little more research on, Like huh, I

0:23:45.840 --> 0:23:48.080
<v Speaker 2>remember my sister did virtual customer service or she said

0:23:48.080 --> 0:23:51.480
<v Speaker 2>it paid pretty decent, Like I said, virtual admin work.

0:23:51.480 --> 0:23:53.560
<v Speaker 2>I don't know what other skill sets that you might have.

0:23:54.040 --> 0:23:57.200
<v Speaker 2>I'd be looking for a job that paid more. Maybe

0:23:57.320 --> 0:23:59.600
<v Speaker 2>is there you know at your nonprofit, I know things

0:23:59.640 --> 0:24:02.760
<v Speaker 2>are time, are there, additional responsibilities? Are there other roles

0:24:02.760 --> 0:24:05.520
<v Speaker 2>that you can take on to increase that income, because

0:24:05.560 --> 0:24:08.840
<v Speaker 2>really it's going to be an income increase and then

0:24:08.960 --> 0:24:11.359
<v Speaker 2>really being mindful that as you increase that income before

0:24:11.400 --> 0:24:13.800
<v Speaker 2>it comes in, making a plan for where it's going

0:24:13.840 --> 0:24:17.120
<v Speaker 2>to go, because oftentimes, you know, my dad would say,

0:24:17.119 --> 0:24:19.320
<v Speaker 2>you will cut your code according to your size. So

0:24:19.400 --> 0:24:22.200
<v Speaker 2>it's like, oh, you know, like if I could only

0:24:22.200 --> 0:24:24.119
<v Speaker 2>get twenty thousand dollars more, we get ahead, then you

0:24:24.160 --> 0:24:26.000
<v Speaker 2>make twenty thousand dollars more and you absorb it.

0:24:26.440 --> 0:24:28.919
<v Speaker 1>But that only that's what she said. She says, my

0:24:29.040 --> 0:24:32.560
<v Speaker 1>husband's started to work extra, but it gets swiped by

0:24:32.560 --> 0:24:35.400
<v Speaker 1>the kids needs somehow, and so you have.

0:24:35.359 --> 0:24:37.520
<v Speaker 2>To ask yourself the plan. That's why making the plan

0:24:37.560 --> 0:24:39.399
<v Speaker 2>ahead of time. Is it the kids needs or the

0:24:39.440 --> 0:24:42.560
<v Speaker 2>things that you think the kids need? Meaning like okay,

0:24:42.720 --> 0:24:45.080
<v Speaker 2>like I would love for my kids to play soccer

0:24:45.080 --> 0:24:47.520
<v Speaker 2>on the weekends, But is that a need if we're

0:24:47.600 --> 0:24:50.080
<v Speaker 2>struggling to pay bills and we're drowning, you know what

0:24:50.160 --> 0:24:52.520
<v Speaker 2>I mean? Are there is there another way to make

0:24:52.560 --> 0:24:55.200
<v Speaker 2>sure they get activities that don't that don't cost you know, money,

0:24:55.320 --> 0:24:57.840
<v Speaker 2>or cost much money. And so that's what I would ask,

0:24:57.920 --> 0:25:01.239
<v Speaker 2>because children it is hard, right because I know so

0:25:01.240 --> 0:25:04.200
<v Speaker 2>many people who you know, go broke because of their kids.

0:25:04.200 --> 0:25:06.119
<v Speaker 2>But you know your kid needs more than anything else.

0:25:06.240 --> 0:25:08.000
<v Speaker 2>A mom and a dad that are not stressed about

0:25:08.000 --> 0:25:11.920
<v Speaker 2>their finances, you know, like and so that's so it's hard.

0:25:11.960 --> 0:25:14.600
<v Speaker 2>So that's what I would suggested, I'd be focusing on

0:25:14.680 --> 0:25:18.560
<v Speaker 2>making more, but being mindful, are you truly looking at

0:25:18.600 --> 0:25:22.720
<v Speaker 2>your your your budget and leaning into that plan to say,

0:25:22.760 --> 0:25:24.520
<v Speaker 2>if we make this extra money, this is where it's

0:25:24.520 --> 0:25:28.480
<v Speaker 2>going to go, versus like inflating life because now you're

0:25:28.520 --> 0:25:30.680
<v Speaker 2>making more, that's a very easy chap to fall into.

0:25:31.960 --> 0:25:35.600
<v Speaker 1>What's really challenging about this too, is that sometimes those

0:25:35.600 --> 0:25:38.200
<v Speaker 1>additional sources of income that you may get, like through

0:25:38.200 --> 0:25:43.440
<v Speaker 1>side hustles, through part time work, it's not always consistent, right,

0:25:43.600 --> 0:25:47.160
<v Speaker 1>And one of the biggest issues that I can see

0:25:47.160 --> 0:25:51.200
<v Speaker 1>her having is that this, you know, these little extra

0:25:51.640 --> 0:25:54.240
<v Speaker 1>you know, extra five hundred thousand dollars there or whatever

0:25:54.320 --> 0:25:57.440
<v Speaker 1>she may bring in, will it be consistent and continue

0:25:57.480 --> 0:25:59.800
<v Speaker 1>to meet her needs, you know, meet the needs of

0:26:00.040 --> 0:26:03.080
<v Speaker 1>paying down the debt and paying for these expenses. The

0:26:03.119 --> 0:26:07.040
<v Speaker 1>biggest cost apart from her mortgage is the childcare. And

0:26:07.359 --> 0:26:09.919
<v Speaker 1>that's the one for me that gives me every month.

0:26:10.359 --> 0:26:16.560
<v Speaker 1>And I'm like Zam and I almost feel like I

0:26:16.640 --> 0:26:18.119
<v Speaker 1>just want to. I want to draw attention to that

0:26:18.600 --> 0:26:21.160
<v Speaker 1>because any income, like is it going to be consistent?

0:26:21.320 --> 0:26:24.600
<v Speaker 1>And in the interim while you are looking potentially for

0:26:24.720 --> 0:26:27.720
<v Speaker 1>a full time job that pays you more, I don't

0:26:27.760 --> 0:26:30.240
<v Speaker 1>want that. That consumer debt, man, that's credit card debt

0:26:30.320 --> 0:26:33.600
<v Speaker 1>or personal loans. If it's credit card debt that you

0:26:33.640 --> 0:26:37.520
<v Speaker 1>know double digit interest is and if you're paying the minimums.

0:26:38.600 --> 0:26:41.440
<v Speaker 1>I know that girl. I wonder if she's done any

0:26:41.480 --> 0:26:44.080
<v Speaker 1>balance transfers for the time being.

0:26:44.440 --> 0:26:47.000
<v Speaker 2>Yes, like are you managing the debt that you do? Oh?

0:26:47.119 --> 0:26:49.959
<v Speaker 2>Like to Maatie's point, yes, are there like balance stretching,

0:26:49.920 --> 0:26:52.879
<v Speaker 2>but also too for like your your mortgage. What it

0:26:52.920 --> 0:26:55.199
<v Speaker 2>sounds like your interest rate is low. But oftentimes we

0:26:55.200 --> 0:26:57.800
<v Speaker 2>don't review our interest rates and say, like, you know

0:26:57.840 --> 0:27:00.359
<v Speaker 2>what I can reachat and say, hey, why is my

0:27:00.359 --> 0:27:04.080
<v Speaker 2>interest rate so high? I was looking at my cell

0:27:04.080 --> 0:27:05.760
<v Speaker 2>phone bill the other day and I'm like, why is

0:27:05.760 --> 0:27:08.119
<v Speaker 2>this so high? You know, like I don't do extra

0:27:08.160 --> 0:27:09.720
<v Speaker 2>calls and I called. They're like, oh, you're on the

0:27:09.760 --> 0:27:12.719
<v Speaker 2>old plan that has less features. We can lower by

0:27:12.720 --> 0:27:15.159
<v Speaker 2>fifty bucks a month. I'm like, what you know? So

0:27:15.240 --> 0:27:17.679
<v Speaker 2>I'd be going going line by line for all of

0:27:17.680 --> 0:27:19.879
<v Speaker 2>the bills that I pay to make sure that this

0:27:20.000 --> 0:27:22.600
<v Speaker 2>is updated, or if I were to leave, you what

0:27:22.640 --> 0:27:26.399
<v Speaker 2>are the new people getting? So I was paying my

0:27:27.560 --> 0:27:30.080
<v Speaker 2>what is it my internet? You know, because I threatened

0:27:30.119 --> 0:27:32.560
<v Speaker 2>to leave, they took ten dollars off because I found

0:27:32.600 --> 0:27:34.399
<v Speaker 2>that I was paying eighty bucks a month for internet.

0:27:34.600 --> 0:27:37.320
<v Speaker 2>My sister's paying seventy for the same internet down the street.

0:27:37.400 --> 0:27:39.280
<v Speaker 2>And they're like, oh, because she's a new customer, I said,

0:27:39.280 --> 0:27:42.920
<v Speaker 2>we'll put ten. Like I'm in they customers. It's oftentimes

0:27:42.920 --> 0:27:45.120
<v Speaker 2>that you know, line by line, you might be able

0:27:45.160 --> 0:27:48.200
<v Speaker 2>to find one hundred two hundred dollars by going line

0:27:48.200 --> 0:27:50.159
<v Speaker 2>by line for the things that you're paying for that

0:27:50.200 --> 0:27:52.800
<v Speaker 2>it could be less someplace else, or you can negotiate.

0:27:52.920 --> 0:27:55.640
<v Speaker 2>They almost always have a retention department. You know. That's

0:27:55.680 --> 0:27:58.600
<v Speaker 2>like okay, because they don't want to lose money either, Okay, okay, okay. Well,

0:27:58.600 --> 0:28:00.320
<v Speaker 2>you know we'd rather take less money from you then

0:28:00.359 --> 0:28:02.239
<v Speaker 2>no money from you. So I'd be going line by

0:28:02.320 --> 0:28:03.160
<v Speaker 2>line to do that too.

0:28:03.280 --> 0:28:05.520
<v Speaker 1>But I like that app Rocket Money.

0:28:05.720 --> 0:28:06.359
<v Speaker 2>Yeah, used that.

0:28:07.280 --> 0:28:10.120
<v Speaker 1>They're pretty good. They're very good at helping you identify. Yeah,

0:28:10.119 --> 0:28:12.480
<v Speaker 1>they've sponsored the show before, but they're not sponsoring it now,

0:28:12.480 --> 0:28:14.080
<v Speaker 1>so I'll tell you how I really feel. And I'm kidding.

0:28:14.080 --> 0:28:16.080
<v Speaker 1>I would always tell you how I've said it before.

0:28:16.200 --> 0:28:18.639
<v Speaker 1>Rocket money is great because it helps you really identify

0:28:18.760 --> 0:28:21.280
<v Speaker 1>recurring expenses and remind you of them and help you

0:28:21.359 --> 0:28:23.639
<v Speaker 1>identify and like, oh, dang, I didn't know I was

0:28:23.680 --> 0:28:24.280
<v Speaker 1>still paying for that.

0:28:24.640 --> 0:28:26.600
<v Speaker 2>I was still paying for hinge. I han't been at

0:28:26.640 --> 0:28:29.639
<v Speaker 2>a date in a year. You're kidding, And.

0:28:29.640 --> 0:28:31.720
<v Speaker 1>That hinge costs money. I didn't know that.

0:28:32.040 --> 0:28:33.840
<v Speaker 2>Okay, I don't know if I was paying quarterly or whatever.

0:28:33.880 --> 0:28:38.160
<v Speaker 2>I was like seventy dollars. I was so mad. And

0:28:38.200 --> 0:28:39.920
<v Speaker 2>then also too, I remember I was still paying for

0:28:40.480 --> 0:28:43.720
<v Speaker 2>weight Watchers that I know. I canceled like a year

0:28:43.840 --> 0:28:46.160
<v Speaker 2>so prior, and so there were things like like you

0:28:46.200 --> 0:28:48.800
<v Speaker 2>said that you don't see, and so I was able

0:28:48.840 --> 0:28:51.080
<v Speaker 2>to go in and cancel and I was saving as

0:28:51.120 --> 0:28:53.280
<v Speaker 2>a result, at least a few hundred dollars a year

0:28:53.320 --> 0:28:56.520
<v Speaker 2>as a result. So Mandy's right, I do like a

0:28:56.600 --> 0:28:59.200
<v Speaker 2>Rocket money for that you could so, and you can

0:28:59.240 --> 0:29:01.000
<v Speaker 2>decide how much you want to pay for Rocket money

0:29:01.120 --> 0:29:02.080
<v Speaker 2>in order to use it.

0:29:02.160 --> 0:29:04.920
<v Speaker 1>So they're not so great at the cancelation part. They

0:29:04.960 --> 0:29:06.680
<v Speaker 1>say that they'll cancel stuff for you, but it's not

0:29:06.720 --> 0:29:09.320
<v Speaker 1>really that easy, but they'll help you identify it. So

0:29:09.440 --> 0:29:14.280
<v Speaker 1>which is I was going to say, especially to the

0:29:14.360 --> 0:29:16.479
<v Speaker 1>situation that you're in, because I really identify it with it.

0:29:16.560 --> 0:29:19.080
<v Speaker 1>I to have found myself in a very similar situation

0:29:19.160 --> 0:29:22.120
<v Speaker 1>with consumer debt that I'm just like, really uncomfortable with.

0:29:22.240 --> 0:29:25.840
<v Speaker 1>And one of the things that I I will say

0:29:25.920 --> 0:29:27.840
<v Speaker 1>to you, because I've said it to myself too, is

0:29:28.560 --> 0:29:30.400
<v Speaker 1>you may have to make some choices that you don't

0:29:30.480 --> 0:29:33.720
<v Speaker 1>like for the short term to make it possible to

0:29:33.760 --> 0:29:36.080
<v Speaker 1>get out of this debt hole. And one of those

0:29:36.120 --> 0:29:40.920
<v Speaker 1>decisions may be alternative childcare. It may not look like

0:29:40.920 --> 0:29:44.240
<v Speaker 1>like if you could cut out the date. You're already

0:29:44.240 --> 0:29:46.480
<v Speaker 1>paying part time, so it's not even sufficient, right You're

0:29:46.480 --> 0:29:49.479
<v Speaker 1>not getting full time care. Can you find a more

0:29:49.520 --> 0:29:52.160
<v Speaker 1>affordable childcare option? Can you have a relative move in

0:29:52.280 --> 0:29:54.960
<v Speaker 1>with you? Can you look at getting a live in

0:29:55.160 --> 0:29:58.000
<v Speaker 1>like OH pair or something like that. There's programs that

0:29:58.040 --> 0:29:59.960
<v Speaker 1>can be more cost effective if you have the space.

0:30:01.160 --> 0:30:03.880
<v Speaker 1>It's highly regulated, the OH pair business, but I've got

0:30:03.880 --> 0:30:06.120
<v Speaker 1>friends who are using O pairs and it is more

0:30:06.240 --> 0:30:10.600
<v Speaker 1>cost effective. It can be than paying for daycare for

0:30:10.640 --> 0:30:14.840
<v Speaker 1>two children, So I just want you to And these

0:30:14.880 --> 0:30:17.120
<v Speaker 1>may not sound like like I think that we get

0:30:17.160 --> 0:30:19.040
<v Speaker 1>in our thirties, we have children. It's like what I

0:30:19.120 --> 0:30:21.680
<v Speaker 1>need my mother in law, I need my aunt like

0:30:21.720 --> 0:30:24.120
<v Speaker 1>whoever to come, you know, and help me with this.

0:30:24.240 --> 0:30:26.479
<v Speaker 1>But I should be I should be able to manage this.

0:30:26.520 --> 0:30:29.840
<v Speaker 1>Why can't I manage this? Today? Is not the way

0:30:29.880 --> 0:30:33.000
<v Speaker 1>it was for our parents, like or even parents from

0:30:33.040 --> 0:30:37.720
<v Speaker 1>ten years ago. It is so hard, it is so expensive.

0:30:38.160 --> 0:30:40.640
<v Speaker 1>The costs are high, and in order to make the

0:30:40.680 --> 0:30:44.200
<v Speaker 1>money that we need to afford just basic expenses, we

0:30:44.240 --> 0:30:47.960
<v Speaker 1>need childcare and that also has gotten increasingly high. And

0:30:48.000 --> 0:30:51.280
<v Speaker 1>it's just like this catch twenty two twenty two around

0:30:51.320 --> 0:30:54.480
<v Speaker 1>the circle. You go, do I cut childcare? Okay, that'll

0:30:54.480 --> 0:30:56.200
<v Speaker 1>save me two thousand, But then I'm going to have

0:30:56.280 --> 0:30:58.440
<v Speaker 1>to how am I going to have the energy or

0:30:58.480 --> 0:31:01.280
<v Speaker 1>the wits about me to get extra income If I

0:31:01.320 --> 0:31:04.040
<v Speaker 1>got these you can't do it, And so you kind

0:31:04.080 --> 0:31:06.840
<v Speaker 1>of get locked into this cycle where you're just like

0:31:06.920 --> 0:31:09.640
<v Speaker 1>in this hamster will and to really break free, we

0:31:09.720 --> 0:31:12.040
<v Speaker 1>have to figure out how can we reduce the cost

0:31:12.160 --> 0:31:16.400
<v Speaker 1>of that childcare. So that's one thing, and then the

0:31:16.440 --> 0:31:18.560
<v Speaker 1>money that you were putting toward that childcare. You could

0:31:18.600 --> 0:31:20.920
<v Speaker 1>be putting it, you know, depending on how much you're saving.

0:31:20.920 --> 0:31:23.440
<v Speaker 1>And I'm not saying don't have childcare. I'm saying get

0:31:23.480 --> 0:31:27.320
<v Speaker 1>an alternative kind of childcare. There may be an in

0:31:27.480 --> 0:31:30.440
<v Speaker 1>home daycare service that you can find that can be reputable.

0:31:30.920 --> 0:31:33.120
<v Speaker 1>You may find you know, relatives, you can do a

0:31:33.240 --> 0:31:35.960
<v Speaker 1>nanny share potentially, because I know we're all in the

0:31:35.960 --> 0:31:39.720
<v Speaker 1>same boat as far as childcare goes. But reaching out

0:31:39.760 --> 0:31:42.480
<v Speaker 1>and getting help to get you through this rough patch

0:31:42.680 --> 0:31:45.840
<v Speaker 1>is going to be essential. And that will also buy

0:31:45.880 --> 0:31:48.480
<v Speaker 1>you some extra time for the time that it may

0:31:48.520 --> 0:31:51.400
<v Speaker 1>take to get that higher paying job because the job

0:31:51.440 --> 0:31:54.080
<v Speaker 1>market is not impossible right now, but it is very tight.

0:31:54.400 --> 0:31:56.840
<v Speaker 1>There is a lot of competition, there are fewer jobs.

0:31:57.640 --> 0:32:00.920
<v Speaker 1>The average time people are spending unemployed looking for jobs

0:32:00.960 --> 0:32:06.240
<v Speaker 1>is about six months now. Yes, so I am with

0:32:06.360 --> 0:32:08.440
<v Speaker 1>all you have going on, I know how overwhelming it

0:32:08.440 --> 0:32:13.160
<v Speaker 1>could be. But I'll also add to reach out to

0:32:13.280 --> 0:32:16.440
<v Speaker 1>your connections, like start letting them know that you're looking for,

0:32:17.000 --> 0:32:19.720
<v Speaker 1>you know, new opportunities, Start letting them know to keep

0:32:19.720 --> 0:32:22.440
<v Speaker 1>an eye out for you, because that's really.

0:32:22.200 --> 0:32:24.520
<v Speaker 2>The only way to speed up.

0:32:24.960 --> 0:32:27.560
<v Speaker 1>In my experience as a coach, Like, the only way

0:32:27.600 --> 0:32:31.600
<v Speaker 1>to speed up the application and hiring process is if

0:32:31.600 --> 0:32:33.880
<v Speaker 1>you have a human being who can fast track you

0:32:34.720 --> 0:32:38.320
<v Speaker 1>on the inside, because the stacks of resumes it's a

0:32:38.320 --> 0:32:40.680
<v Speaker 1>lottery at this point. You know, for a lot of jobs,

0:32:40.880 --> 0:32:43.200
<v Speaker 1>it's like, will it be the one that the recruiter sees?

0:32:43.480 --> 0:32:46.360
<v Speaker 1>Will it out of the dozens that maybe hundreds that

0:32:46.400 --> 0:32:50.960
<v Speaker 1>are you know, flooding the system. I just yeah, I

0:32:50.960 --> 0:32:55.000
<v Speaker 1>have lots of compassion for you, and I know she's

0:32:55.000 --> 0:32:57.400
<v Speaker 1>looking at that hundred and k one hundred and eighty

0:32:57.480 --> 0:33:01.120
<v Speaker 1>k retirement funds wanted to cash it at I'd be

0:33:01.160 --> 0:33:03.040
<v Speaker 1>looking at mine too.

0:33:02.440 --> 0:33:06.440
<v Speaker 2>I took mine now, and I'm like, damn, but you

0:33:06.560 --> 0:33:09.560
<v Speaker 2>made it back though, Yeah, but not you never get

0:33:09.640 --> 0:33:12.959
<v Speaker 2>the lost you know, compounded interest and growth back, you know.

0:33:13.480 --> 0:33:15.959
<v Speaker 1>Yeah, And then if you do that, you'll just end

0:33:16.040 --> 0:33:20.800
<v Speaker 1>up because the consumer debt's not gonna like maybe that'll

0:33:20.840 --> 0:33:23.240
<v Speaker 1>save you now you can get sixty k and pay

0:33:23.280 --> 0:33:25.760
<v Speaker 1>it down. But then if you don't fix the budget issues,

0:33:25.800 --> 0:33:29.120
<v Speaker 1>the income versus expense issues, you will wind up in

0:33:29.160 --> 0:33:31.520
<v Speaker 1>the same space again. Like you have said, after you

0:33:31.640 --> 0:33:36.000
<v Speaker 1>got that one loan that you took out, we got

0:33:36.040 --> 0:33:38.400
<v Speaker 1>to find every way to reduce those costs as much

0:33:38.440 --> 0:33:43.600
<v Speaker 1>as we can. Thank you for your question anything else, TV.

0:33:44.000 --> 0:33:45.960
<v Speaker 2>No, I think that that was really great advice. Sometimes

0:33:46.000 --> 0:33:47.760
<v Speaker 2>you're right. Sometimes we have to make the big, hard

0:33:47.840 --> 0:33:50.080
<v Speaker 2>choices that feel very like I don't want to.

0:33:50.360 --> 0:33:52.360
<v Speaker 1>And I would say this that just for a season,

0:33:52.840 --> 0:33:53.680
<v Speaker 1>not forever.

0:33:53.520 --> 0:33:55.520
<v Speaker 2>I promise you. Our parents did. We were walked by

0:33:55.560 --> 0:33:57.720
<v Speaker 2>the neighbors, the lady down the street that kept kids

0:33:57.760 --> 0:34:00.560
<v Speaker 2>like our parents were not doing it with the help.

0:34:00.600 --> 0:34:03.479
<v Speaker 2>It's just it just looked different, you know. But no,

0:34:03.600 --> 0:34:06.200
<v Speaker 2>there's just not possible to do things by yourself.

0:34:06.240 --> 0:34:09.120
<v Speaker 1>So my mom had us an aftercare, but it was free.

0:34:09.560 --> 0:34:12.480
<v Speaker 1>Now I'm paying six hundred a month for the extra

0:34:12.520 --> 0:34:15.400
<v Speaker 1>four hours a day that my son, you know, stays

0:34:15.440 --> 0:34:17.719
<v Speaker 1>at his elementary school. And I'm like, oh, even so

0:34:17.840 --> 0:34:20.879
<v Speaker 1>that even with him being in school at public school,

0:34:21.040 --> 0:34:23.880
<v Speaker 1>I still have to pay. Then the activities.

0:34:23.760 --> 0:34:26.279
<v Speaker 2>Girls had, there was a library right next door. I

0:34:26.320 --> 0:34:28.880
<v Speaker 2>remember in second grade we had to cross the street

0:34:28.880 --> 0:34:31.200
<v Speaker 2>and go to the Roselle Library and stay there until

0:34:31.200 --> 0:34:34.239
<v Speaker 2>six till my dad picked us up. That was and

0:34:34.320 --> 0:34:37.359
<v Speaker 2>how over y'all? Girl was like the second grade like

0:34:37.520 --> 0:34:39.440
<v Speaker 2>that was like girl, We ain't got no money, so

0:34:39.719 --> 0:34:41.359
<v Speaker 2>make sure you and your sisters don't talk to those

0:34:41.360 --> 0:34:43.400
<v Speaker 2>strangers and read these books, and the libraries would know

0:34:43.480 --> 0:34:46.440
<v Speaker 2>us and be like hi girls. And that's when I

0:34:46.440 --> 0:34:48.719
<v Speaker 2>became an avid reader, because that's what I mean to

0:34:48.800 --> 0:34:51.120
<v Speaker 2>your point. I mean, yeah, it was just like the

0:34:51.160 --> 0:34:53.040
<v Speaker 2>library was literally next door to our school and we

0:34:53.040 --> 0:34:55.480
<v Speaker 2>would just walk with with a bunch of other kids,

0:34:55.520 --> 0:34:58.000
<v Speaker 2>and you had to do your homework. There was no

0:34:58.040 --> 0:34:59.759
<v Speaker 2>after care. That's what it was. It was like the

0:34:59.800 --> 0:35:02.120
<v Speaker 2>life variants were like, yeah, behave yourself before I tell

0:35:02.160 --> 0:35:03.200
<v Speaker 2>because I know y'all gets thinking.

0:35:05.360 --> 0:35:07.799
<v Speaker 1>See see parents were not doing it like we're doing

0:35:07.800 --> 0:35:10.360
<v Speaker 1>it so hard if you're trying to do the classic

0:35:10.840 --> 0:35:14.080
<v Speaker 1>child care situation today. But all right, budget savvy and stuck.

0:35:14.120 --> 0:35:18.360
<v Speaker 1>I hope that that is helpful. Tiffany, thank you for

0:35:18.480 --> 0:35:23.000
<v Speaker 1>joining me for ba Q just like old time.

0:35:23.200 --> 0:35:25.000
<v Speaker 2>I know that's so crazy. After I'm like sitting in

0:35:25.000 --> 0:35:28.000
<v Speaker 2>the same seat like, oh and I love this.

0:35:28.000 --> 0:35:31.280
<v Speaker 1>This is new, this little the little background, Yeah.

0:35:31.400 --> 0:35:33.160
<v Speaker 2>No, no, the what is this above? It said Brandon

0:35:33.160 --> 0:35:35.440
<v Speaker 2>Bischitt on my screen, like on my.

0:35:35.840 --> 0:35:38.880
<v Speaker 1>Oh the little logo? Yeah, oh yes, I'm very official.

0:35:38.920 --> 0:35:40.759
<v Speaker 1>Now you see what happens when I have my full

0:35:40.840 --> 0:35:43.879
<v Speaker 1>attention on the podcast. Yes that said, look at many

0:35:44.480 --> 0:35:45.240
<v Speaker 1>everything is better.

0:35:45.480 --> 0:35:49.680
<v Speaker 2>I love it. I'm cute. Are we here? No? But

0:35:49.680 --> 0:35:52.800
<v Speaker 2>honestly it is great being me back. And I love y'all.

0:35:52.880 --> 0:35:55.480
<v Speaker 2>And like I said, I just you know, I'm just

0:35:55.520 --> 0:35:58.120
<v Speaker 2>so proud of bandy. She is in her element, slaying

0:35:58.680 --> 0:36:00.440
<v Speaker 2>and making to do what to do, and I love

0:36:00.480 --> 0:36:02.840
<v Speaker 2>to be outside when people are like, tell maybe I

0:36:02.880 --> 0:36:05.759
<v Speaker 2>love her, I'm like, I know, I love you too.

0:36:06.600 --> 0:36:07.719
<v Speaker 1>Download the show.

0:36:10.400 --> 0:36:13.040
<v Speaker 2>All right, until next time, all.

0:36:13.280 --> 0:36:16.439
<v Speaker 1>Sunshine, I'll talk to you soon, I guess. Bye bye,

0:36:17.520 --> 0:36:18.200
<v Speaker 1>ba fan