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Speaker 1: So happy to be back, even though I'm feeling slightly

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Speaker 1: under the weather. How are you pick it up?

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Speaker 2: This is our one? You're in a verse?

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Speaker 1: I know. Do you know what two days it's serving?

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Speaker 1: You take? You take out soprano? Oh no, I'll take soprano,

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Speaker 1: you take out?

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Speaker 2: Okay? Thanks?

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Speaker 1: Do you know what today?

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Speaker 2: It's showtime? Oh god, it's sorry.

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Speaker 1: If you're oh my god, that is so weird. I

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Speaker 1: don't know what just happened. Let's see who just.

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Speaker 2: Ghost turn it some so Tiffany's TV.

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Speaker 1: Just turn on you guys, I know, and I'm thinking,

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Speaker 1: did I sit on the remote?

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Speaker 2: No, it just has been a test of your public

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Speaker 2: broadcast podcasting system.

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Speaker 1: That is weird. I'm like, oh my god, we find

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Speaker 1: out there's a ghost in the house, Like, stop singing.

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Speaker 2: We are really professional.

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Speaker 1: Yeah. So if you're tuning in, this is Brown Ambition

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Speaker 1: with Mandy Woodruck and Si and Lecha.

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Speaker 2: We have not been drinking, but it is our anniversary.

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Speaker 1: It is and we're super duper excited because who knew

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Speaker 1: when I first met young Mandy, Like, what was it

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Speaker 1: like two or three years ago?

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Speaker 2: It was the summer of two and eleven.

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Speaker 1: I believe who knew that. When I was a young

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Speaker 1: Crisp thirty one, I would run into Mandy and we

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Speaker 1: actually became really cool, and then we became friends, and

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Speaker 1: now here we are one Millie.

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Speaker 2: How many years later, four years later and one year

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Speaker 2: on the podcast, I'm so the love has been so nice.

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Speaker 2: Everyone's just like, I don't know, the last month, people

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Speaker 2: have been sending us all these messages and really supporting

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Speaker 2: the show. So I just feel like we owe you

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Speaker 2: guys a huge thank you for your support. Huge. Yeah,

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Speaker 2: I'm just my mommy and my cousin's listening anymore.

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Speaker 1: I know, you know, it's so weird, Mandy. It's like,

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Speaker 1: you know, I'm used to people saying like hey, and

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Speaker 1: you know, saying to me like, you know, I really

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Speaker 1: enjoyed a budgetista. But it's so cool. When I was

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Speaker 1: like at a conference in Florida and I was talking,

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Speaker 1: this girl turned around and she said I know that

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Speaker 1: voice brown ambition, and I was like what that was

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Speaker 1: so cool? She was like coll Mandy, I said Ahi,

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Speaker 1: And I was like, look at this. We grow it.

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Speaker 2: It's happening. And to celebrate our one year anniversary, we

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Speaker 2: gave our website a lovely makeover. We did. It looks

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Speaker 2: pretty legit now it's not a jankie tumbler. Don't hate

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Speaker 2: on my web skills too, legiti quit. We had a

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Speaker 2: professional So thank you miss Terry for upgrading our website.

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Speaker 2: You guys should all go check it out. It's never

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Speaker 2: looked better. It's Brown Ambision Podcast. It's super easy now

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Speaker 2: for you to submit a question, to sign up for

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Speaker 2: the newsletter and to get all the notes from the

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Speaker 2: show and get in touch with us. So check it out.

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Speaker 1: It's mobile what do they call it mobile responsive? I

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Speaker 1: was like, look at it on the phone.

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Speaker 2: Mobile. Oh so you can pull it up on your smartphone.

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Speaker 2: Oh yeah, that's hella important.

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Speaker 1: Yeah, it looks really good. Looks really good on the phone.

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Speaker 2: So fresh look. And we're going to have a party

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Speaker 2: on Friday. You if you received and you should have

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Speaker 2: received an email byte app by now from us congratulating

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Speaker 2: you if you were selected to be at our anniversary

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Speaker 2: dinner this Friday.

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Speaker 1: Yes, we are going to eat the most yummiest Is

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Speaker 1: it Ecuadorian? No, it's Peruvian, Peruvian. It it's so good. We're

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Speaker 1: going to chow down and we get to meet some

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Speaker 1: of our fably scenarios.

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Speaker 2: Yes, so we're super excited. Sorry if you guys weren't selected.

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Speaker 2: We got a lot of sweet I'm going to find

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Speaker 2: a way to incorporate some of the nice notes we

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Speaker 2: got from people. People really put their hearts into this

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Speaker 2: telling us what brand ambition means to them. And thank

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Speaker 2: you everyone who submitted your comments. I hope we can

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Speaker 2: have an even bigger party next year, but for now,

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Speaker 2: we're keeping it small.

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Speaker 1: Yeah, keeping it real because you know it's me and Mandy.

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Speaker 1: We're sponsoring it, so you know we're not rich.

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Speaker 2: I mean, she has the budget needs to.

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Speaker 1: Know. Well, I have some good news.

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Speaker 2: Ooh do toe.

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Speaker 1: So I finally finally signed the least to my office.

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Speaker 1: I know, it felt like so weird. I was like,

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Speaker 1: oh my gosh, like it's real. I've never had it.

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Speaker 2: Speaking of upgrades, what, no, this is an upgrade.

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Speaker 1: I thought you had an upgrade this year too.

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Speaker 2: No, no, no, no.

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Speaker 1: No, I'm just super excited because I've never had an

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Speaker 1: office space. It'll finally. I just feel like it's time

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Speaker 1: to shift away from just working, you know, at home,

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Speaker 1: because I'm not as productive as I once was working

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Speaker 1: at home. And so I was like, you know it's

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Speaker 1: time for a change of scenery and like not to

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Speaker 1: be like working on the dinner table and like supergirls,

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Speaker 1: like can you pass me the potatoes? And I'm like

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Speaker 1: over my computer and so yeah, I'm excited. So it's

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Speaker 1: just another next phase in the Budgetnista Sanga.

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Speaker 2: So when do you officially move in?

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Speaker 1: I'm hoping that we'll be able to get the painter

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Speaker 1: in this week. And I got a. I got Ikea.

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Speaker 1: Did I mention Ikea?

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Speaker 2: I don't think you've mentioned it publicly yet?

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Speaker 1: Oh well, I signed the contract, so I can't say it.

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Speaker 1: So Ikea has agreed to sponsor and basically decorate the space.

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Speaker 1: I mean, we have a designer, but you know it'll

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Speaker 1: be Ikia largely Ikea furniture and stuff. So super excited

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Speaker 1: about that because you don't have the Budgetista, and I

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Speaker 1: was like, how can we circumvent the cost of because

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Speaker 1: it's just a big it's a rectangle, it's just open space,

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Speaker 1: so we have to basically put everything in there. So

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Speaker 1: super excited.

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Speaker 2: Now here's a valid question. Are they going to build

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Speaker 2: everything for you or they are you just going to

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Speaker 2: get a bunch of boxes? And I have to put

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Speaker 2: everything together yourself.

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Speaker 1: I know, right, So thankfully, my boo superman is very handy.

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Speaker 2: So wait, did he know what he was getting himself

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Speaker 2: into when he raised his hand to help you put

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Speaker 2: together your office full of furniture? I know, honestly, my god.

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Speaker 1: You know.

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Speaker 2: I mean, if anyone who is your friend right now

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Speaker 2: has like locked your phone number because they know you're

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Speaker 2: going to be calling them the next month, can you

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Speaker 2: come over for a few minutes.

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Speaker 1: I know, I want to get him in his team

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Speaker 1: of like friends. I'm like, I'll make you guys dinner.

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Speaker 1: Have you guys just put everything together. Yeah, it's going

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Speaker 1: to be a process, but you know we're here for him.

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Speaker 2: That's exciting though.

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Speaker 1: Yeah, it is is really excite. I mean, I mean,

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Speaker 1: I just can't wait to have a space that's like,

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Speaker 1: I don't know, just just for work and then when

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Speaker 1: I come home, you know, I can be at home,

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Speaker 1: although I'm sure I'll still do work at home, but

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Speaker 1: it'll be nice to have a space where that's the expectation,

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Speaker 1: it's just work.

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Speaker 2: It may sound like corny or kind of stupid, but

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Speaker 2: I really just enjoy walking like the commune. I mean,

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Speaker 2: I don't love the commuting but I like getting a

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Speaker 2: little cough and reading on the train and having an

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Speaker 2: office to go to. That's like part of my routine.

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Speaker 2: I feel weird when I just work from home. I mean,

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Speaker 2: and sometimes it's nice, but I've I'm like on the

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Speaker 2: not unproductive work from home train.

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Speaker 1: I mean I wasn't always, but like lately, I've not

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Speaker 1: been as productive, and I think it's just because there's

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Speaker 1: very little, Like there's no line, there's no delineating line

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Speaker 1: when I'm home. Superman and Supergirl are just like whatever,

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Speaker 1: You're home, so dinner and I'm like, well, I'm doing

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Speaker 1: the podcast. They're like yeah, yeah, yeah, Hey Mandy, So

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Speaker 1: can I have a cookie?

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Speaker 2: You're like ah, and so the album is napping, I

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Speaker 2: fall asleep.

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Speaker 1: Oh yeah, an acoholic.

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Speaker 2: We're gonna have any desks. I'm on the bed and

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Speaker 2: I'm like, I got my sleep.

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Speaker 1: I know we're going to have a couch there because

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Speaker 1: I need, like, you know, a little a little rest

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Speaker 1: and relaxation throughout my day.

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Speaker 2: Oh I love a couch in office. Love it got

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Speaker 2: a couch.

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Speaker 1: So I'm excited.

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Speaker 2: Good for you guys, that's super exciting and you're sharing

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Speaker 2: it with your publicist.

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Speaker 1: Right, yes, Drina. So it's gonna cut down the costs significantly.

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Speaker 1: It's like, how much is it. I think it's it's

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Speaker 1: eleven hundred Yeah, eleven hundred dollars a month, so five

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Speaker 1: to fifty a months basically, and that includes utilities, which

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Speaker 1: is awesome.

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Speaker 2: Yeah, there's so much that goes into like having an

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Speaker 2: office space. I don't even think people realize just beyond

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Speaker 2: the leasing, like what other stuff do you have to

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Speaker 2: like you to buy like a coffee machine and water?

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Speaker 1: Well, thankfully, it's a it's a warehouse that has been

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Speaker 1: converted into a coworking space. So it's it's four floors

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Speaker 1: and then they have a rooftop, which is I guess

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Speaker 1: the fifth floor.

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Speaker 2: Oh that's cool.

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Speaker 1: Yeah, and so every floor has its own like community

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Speaker 1: like and it's really like community kind of room where

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Speaker 1: it's a refrigerator, it's a kitchen seating, so I don't

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Speaker 1: have to provide kind of like that aspect, which is

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Speaker 1: dope and like is it waywork? No, it's it's it's

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Speaker 1: just this really rich guy that bought this warehouse was like, hey,

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Speaker 1: these would be great office spaces because when I like

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Speaker 1: it's funky and industrial, so It's not like office space

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Speaker 1: is like like your doctor's office is in a bunch

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Speaker 1: of building. You know, it's not like that at all.

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Speaker 1: It's very open and you know it encourages the different

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Speaker 1: businesses in there to interact with each other. It's a

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Speaker 1: mix between rework and regular office space.

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Speaker 2: That's cool. I like that concept.

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Speaker 1: Yeah, it's really Honestly, it's so nice. I mean, like

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Speaker 1: when I heard that they had a rooftop and that

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Speaker 1: was all included in that the cafe, You're like, wow, Okay,

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Speaker 1: this space and what I love is a location. It's

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Speaker 1: right in the middle of It's like it meets where

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Speaker 1: New York meets Jersey City meets Hope Boken meets Newark.

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Speaker 1: So it's like in this perfect location fifteen minutes from

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Speaker 1: all of those places.

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Speaker 2: I think we found a new recording studio.

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Speaker 1: I know.

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Speaker 2: Yeah, honeyboo boo, fiancee is trying to convince me to

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Speaker 2: move to Jersey really, yes, Well, the whole reason we're

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Speaker 2: living with the in laws, And if you want a

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Speaker 2: refresh on my whole situation right now is you can

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Speaker 2: either listen to episode Mouse in the House or I

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Speaker 2: can give you a quicker recap we're basically living with

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Speaker 2: my fiance's parents. We've been here since the end of May,

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Speaker 2: and it's been an interesting summer. But the whole purpose

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Speaker 2: was to move in and like take the opportunity to

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Speaker 2: live rent free for the months leading up to our

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Speaker 2: wedding next spring. So that gave us about ten eleven months,

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Speaker 2: and we're about three months in and like we're really

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Speaker 2: just like maybe we'll make it till January. Maybe. But

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Speaker 2: the whole purpose was to save up for a house,

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Speaker 2: and we've decided, like we've agreed that we're saving up

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Speaker 2: for a house. What we haven't agreed on is the where. Okay,

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Speaker 2: and a little bit of the win, but mostly the where,

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Speaker 2: like where we're gonna live. It is such a hard

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Speaker 2: decision to make. It's not I mean, we know where

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Speaker 2: we're not gonna live. We can't afford to buy the

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Speaker 2: kind of space that we're looking for in Manhattan or

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Speaker 2: even where we were living in Queens. We just can't.

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Speaker 2: I mean, it's just nuts how much these apartments we

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Speaker 2: wanted to buy an apartment in Astoria, where we used

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Speaker 2: to live, we'd at least be looking at seven hundred

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Speaker 2: thousand dollars, which is like blowing my mind, blowing my mind.

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Speaker 2: I'm not even kidding. Seven hundred thousand dollars minimum. So

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Speaker 2: we know where we're not living. But then there's other

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Speaker 2: you know, you have Upstate New York. I call them

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Speaker 2: the Chesters, the Westchester, the port Chester, the eat Chester,

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Speaker 2: or then you have the the Jerseys and the Long Islands.

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Speaker 2: And it's just like my mind is spending all these

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Speaker 2: I just Zillow stresses me out. He's on Trulia every night.

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Speaker 2: I don't know. I just want someone to like pick

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Speaker 2: it out for me.

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Speaker 1: Yeah. House hunting is can be a lot because there's

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Speaker 1: so many factors. Like me and Superman are house hunting

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Speaker 1: before rental property to rent out, to buy and rent out,

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Speaker 1: and so I mean, I would say first things first

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Speaker 1: start with education. So we're taking although I've bought a

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Speaker 1: home before, I want us to both take a first

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Speaker 1: time home buyer's course.

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Speaker 2: You know. I'm actually we're going to one this week

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Speaker 2: really where actually it's uh, Tanya, my fab my fab finances,

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Speaker 2: Miss Tanya.

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Speaker 1: Okay?

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Speaker 2: Is it rapely or rapily and rapidly?

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Speaker 1: Yeah? Don't. That's the other one that's a little bit scary.

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Speaker 2: It is what it is.

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Speaker 1: I said it before and I was like, she was like, yeah, rapidly,

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Speaker 1: not reeply.

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Speaker 2: Well, if you haven't heard a missfab Finances, she's another

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Speaker 2: great personal finance educator and she's hosting actually a first

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Speaker 2: time homeowners workshop for in New York City this Wednesday.

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Speaker 2: So I signed us up about a month ago, so

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Speaker 2: it's kind of perfect timing. And she's partnering with I

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Speaker 2: think a real estate expert and they're just gonna work

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Speaker 2: walk us through the beginning stages. Just I mean, we

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Speaker 2: kind of know a little bit, but I just want

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Speaker 2: someone to sit down and like give me the big picture.

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Speaker 2: We know, like what we have to do financially to prepare,

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Speaker 2: which is just save all of the money that you

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Speaker 2: possibly can. It's like, but you know, yeah, you know,

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Speaker 2: our credit's pretty good, but I don't know. We just

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Speaker 2: I just want to be sure we're prepared as much

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Speaker 2: as possible. And we hired a financial planner and that's

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Speaker 2: been going pretty well. So it just kind of feels

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Speaker 2: like we're putting our big, big boy and girl pants on.

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Speaker 1: Yeah, that's it free.

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Speaker 2: Uh, it's it is free. It is free. Yep. If

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Speaker 2: you don't show up, they charge you. Twenty five bucks,

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Speaker 2: which is a good incentive.

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Speaker 1: Yeah, yeah, so we will be there.

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Speaker 2: Hey, Tanya, let's save us a seat.

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Speaker 1: I squad, that's what we call ourselves, like me, Marsha Tian. Yeah,

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Speaker 1: the rest of the money Girls squad squad up time

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Speaker 1: is dope. If you guys are have not checked out

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Speaker 1: her website and the stuff that she does, you can

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Speaker 1: go to myfaffinance dot com. Now that's dope. So let's

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Speaker 1: talk about Oh poor go ahead, pork, No, it's gonna

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Speaker 1: say poor Hillary.

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Speaker 2: Oh Hillary. It was really weird. First of all, is

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Speaker 2: nine to eleven this weekend, and I always try to

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Speaker 2: watch like the uh the ceremony online you know, we're

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Speaker 2: not online on TV where they do the name readings

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Speaker 2: at the memorial and it's always really sad, and I

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Speaker 2: start crying and I make it to like the CA's

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Speaker 2: and then I gotta turn it off. But I saw

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Speaker 2: I got a text alert that Hillary collapsed and I

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Speaker 2: was worried, and I guess she has pneumonia.

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Speaker 1: Yeah, that's that's what I heard. I'm sure she's running

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Speaker 1: herself ragged.

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Speaker 2: People are like, why are we so shocked that she's sick?

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Speaker 2: I know what's so crazy about that. Now they're like,

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Speaker 2: send as your medical records fit to be president. My goodness,

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Speaker 2: she's a human being, exactly a sixty eight year old

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Speaker 2: how old did you know? She's not a spring chicken?

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Speaker 2: And and the schedule is insane. I would be sick too.

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Speaker 1: Somebody was like Hillary could thought that's just hilarious. Somebody

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Speaker 1: said Hillary could die, come back alive as a zombie,

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Speaker 1: eat my children, and I would still vote for her

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Speaker 1: over Trump. I'm like, well, okay then, girl.

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Speaker 2: Yeah, and Trump, of course was or sorry, he who

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Speaker 2: must not be named Lord Voldemort, Yes, jumped on it

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Speaker 2: right away. This weekend, though, she called she's getting a

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Speaker 2: lot of flak for calling Voldemort's supporters, uh, deplorables. What's

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Speaker 2: the quote? She was at a giving a speech and

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Speaker 2: she said, you know, I like to categorize about half

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Speaker 2: of Voldemort's supporters as in the category called deplorables, like

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Speaker 2: racists and bigots. And it's not like like I don't

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Speaker 2: know where the lie is.

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Speaker 1: I was gonna say the problem, right, I'm like, what's

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Speaker 1: the problem with that?

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Speaker 2: But there's always a problem, Like there's just all this,

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Speaker 2: you know, people are saying, you know that was that

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Speaker 2: was wrong with her? She's disrespecting people for their political opinions.

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Speaker 2: Blah blah blah. But Voldemort himself has said that he

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Speaker 2: loves uneducated people after Pole showed that most of his

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Speaker 2: followers are uneducated, Like, I love uneducated people. How was

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Speaker 2: that not offensive?

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Speaker 1: Yeah? Whatever, They're just gonna always look for a reason

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Speaker 1: to be mad.

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Speaker 2: Home stretch, though, I'm kind of like excited, like I'm

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Speaker 2: really really excited for the first debate. I just Hillary's

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Speaker 2: got to get on tiptop shape. Girl. You gotta get

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Speaker 2: it together, do your yoga, great, drink your green juice,

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Speaker 2: because you must destroy him.

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Speaker 1: Yeah, you must. So let's talk about speaking of politics. Uh,

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Speaker 1: did you see the roasting of Anne Culture?

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Speaker 2: I did. I've heard all about it, but I haven't

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Speaker 2: actually watched it.

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Speaker 1: Oh my gosh.

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Speaker 2: I mean it wasn't even a roast for her.

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Speaker 1: She yes, she was at a roast for roblow, which

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Speaker 1: is weird enough exactly, So anyway, they had this roast.

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Speaker 1: So Comedy Central will do these roasts for people, and

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Speaker 1: that's when like the joke it's like no holds bar

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Speaker 1: jokes where they just go in and so the jokes

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Speaker 1: are pre written and from from what I understand, they

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Speaker 1: had these jokes pre written for everyone. I don't even

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Speaker 1: know why an culture agreed to be there, but she agreed,

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Speaker 1: and the she told the writers I guess she basically

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Speaker 1: said there was a number of jokes. She was like,

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Speaker 1: I won't I don't want to do that. I don't

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Speaker 1: want to do this when she was being difficult. So

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Speaker 1: what they did, and it's kind of like payback is

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Speaker 1: in conjunction with having all the other comedians that spoke

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Speaker 1: do a roast of rob Blow. All of them also

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Speaker 1: roasted her like that was like their payback, like, oh,

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Speaker 1: you don't you don't like our jokes? Well, how about these?

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Speaker 1: It was so painful to watch, I mean so painful,

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Speaker 1: like if you just and she's a cheese, honestly, I mean,

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Speaker 1: what's the worst? Literally the worst of the worst. And

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Speaker 1: even then, I mean, I'm not gonna lie. I giggled,

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Speaker 1: but I was like, Yake's like you could see in

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Speaker 1: her face she did not even know how to like,

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Speaker 1: like how do I take this? It was because it

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Speaker 1: was a surprise. She didn't you know, she's there to

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Speaker 1: everyone's there to roast Robb Blow, not roast her.

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Speaker 2: And they get dirty of them.

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Speaker 1: Yeah, it was, but I guess, and you know, it's

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Speaker 1: so crazy. Everyone's like, you know what. Normally I'd be like, hey,

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Speaker 1: that's messed up, but it's her.

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Speaker 2: Yeah. I mean she does destroy people all the time

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Speaker 2: in her own idiotic commentary.

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Speaker 1: So I guess, Karmel, Yeah, it was whoolchild. If you're

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Speaker 1: in like it's it's hard to watch, but it's also

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Speaker 1: a bussy TV.

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Speaker 2: Like watching a train wreck. Can't look away?

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Speaker 1: I that's exactly how I thought. I was like, must

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Speaker 1: look away, but can't.

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Speaker 2: I want to. I really want to talk about this.

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Speaker 2: The study by that LinkedIn did okay that everyone's sort

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Speaker 2: of talking about. It's a study they looked at nearly

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Speaker 2: half a million of their members to find out what

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Speaker 2: it takes to become a CEO, what it takes to

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Speaker 2: get to this. It's the CEO or VP level at

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Speaker 2: a company. Did you look at Do you see the study?

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Speaker 1: No? I didn't.

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Speaker 2: It's so interesting it actually shows so basically, they looked

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Speaker 2: at nearly half a million dollar, half a million dollars,

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Speaker 2: half a million of their members and looked at their

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Speaker 2: career trajectories. You know how on LinkedIn you mark your

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Speaker 2: career or whatever, and they looked at they've found some

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Speaker 2: common characteristics among the people who made it to that

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Speaker 2: VP CEO level, and they found that experience, it's not

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Speaker 2: just like how long you're working in a specific industry.

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Speaker 2: They found that experience in one additional area within that

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Speaker 2: industry prove the person's odds of becoming a senior executive

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Speaker 2: as much as three years of extra experience would have.

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Speaker 2: And I thought that was really fascinating because it's the

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Speaker 2: whole study sort of shows that, like it's not it's

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Speaker 2: important to stick with your like industry in order to

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Speaker 2: get up to that CEO level, but what's even more

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Speaker 2: important is making sure that you work in other areas

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Speaker 2: within that industry. So if for example, I mean, I'm

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Speaker 2: a journalist, so I should spend time doing social media

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Speaker 2: and advertising and PR and looking into all those different

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Speaker 2: aspects data visualization and gaining all those other that expertise

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Speaker 2: kind of goes toward making you a more well rounded

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Speaker 2: person and helps you get to that CEO level.

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Speaker 1: Okay, I see what you mean. Like it's like it's

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Speaker 1: it's it's not just this straight path that you should

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Speaker 1: have kind of like experience in connecting, connecting subjects like, Okay,

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Speaker 1: you want to go you know, you want to be

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Speaker 1: a I don't know. You know, you're my wants to

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Speaker 1: really work in fashion. But before that she was working

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Speaker 1: in finance, and I told her, you know, that's going

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Speaker 1: to give you a leg up. And it's true because

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Speaker 1: now that she's working as a buyer, most buyers only

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Speaker 1: have experience with the fashion aspect. So she stands out

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Speaker 1: here she is with her MBA in finance and marketing.

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Speaker 2: You know, I was just about to talk. They also

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Speaker 2: mentioned the NBA MBA and MBAs definitely go a long

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Speaker 2: way toward determining or predicting whether or not you're going

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Speaker 2: to become a CEO. A lot of CEOs have MBAs,

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Speaker 2: but actually the study found that it's really the most

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Speaker 2: effective if you go to like the top five, a

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Speaker 2: top five school for your MBA. Apparently that's what works

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Speaker 2: for more And he was kind of like, yes, that's

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Speaker 2: probably the most highly indicative marker saying that you'll become

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Speaker 2: a CEO. And since everyone's not able to go to

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Speaker 2: a top five school for their MBA, he said, the

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Speaker 2: more reasonable conclusion from this study is to work in

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Speaker 2: as many areas within an industry as possible. And I'll

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Speaker 2: read this one excerpt. It says, to get a job

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Speaker 2: as a top executive, it helps greatly to have experience

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Speaker 2: in as many of a business's functional areas as possible.

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Speaker 2: A person who burrows down for years and say the

434
00:21:12,680 --> 00:21:15,879
Speaker 2: finance department stands less of a chance of reaching a

435
00:21:15,880 --> 00:21:19,680
Speaker 2: top executive job than a corporate finance specialist who also

436
00:21:19,800 --> 00:21:25,399
Speaker 2: spent time in marketing or engineering or both of those. So, okay,

437
00:21:25,480 --> 00:21:27,760
Speaker 2: outside your comfort zone, people, if you want to get

438
00:21:27,800 --> 00:21:29,600
Speaker 2: to the top, it makes a lot of sense because

439
00:21:29,600 --> 00:21:31,399
Speaker 2: if you look at it, you know, and now that

440
00:21:31,440 --> 00:21:33,439
Speaker 2: I've become a manager, I get this a lot more.

441
00:21:33,480 --> 00:21:35,800
Speaker 2: I'm not a CEO, obviously, but I have to have

442
00:21:35,840 --> 00:21:39,600
Speaker 2: an understanding of how to make different departments, different people,

443
00:21:39,600 --> 00:21:42,680
Speaker 2: and different roles work together to achieve a common goal.

444
00:21:42,760 --> 00:21:45,400
Speaker 2: You know, you put out this huge study last week

445
00:21:45,400 --> 00:21:47,959
Speaker 2: and I had to work with data researchers and with

446
00:21:48,080 --> 00:21:51,359
Speaker 2: graphics artists, and with the writer of the report, and

447
00:21:51,359 --> 00:21:53,600
Speaker 2: with the CEO of the company and with the PR team,

448
00:21:54,080 --> 00:21:56,680
Speaker 2: and you sort of and I think having experience in

449
00:21:56,960 --> 00:22:01,200
Speaker 2: those areas really helps at that project or get that,

450
00:22:01,359 --> 00:22:03,760
Speaker 2: you know, get that team solid and working all together.

451
00:22:04,760 --> 00:22:07,960
Speaker 1: Now, I totally think so, because it's just no way

452
00:22:08,080 --> 00:22:09,959
Speaker 1: just from running my own company, I have to know

453
00:22:10,040 --> 00:22:12,280
Speaker 1: a little bit of everything. You know, I might not

454
00:22:12,359 --> 00:22:14,119
Speaker 1: do every single thing. Like before we got on the

455
00:22:14,760 --> 00:22:17,639
Speaker 1: before we started, you know, taping. Today, I was on

456
00:22:17,680 --> 00:22:20,800
Speaker 1: the phone with my COO and we were working through

457
00:22:20,880 --> 00:22:23,240
Speaker 1: like a tech issue. We want to start sending text

458
00:22:23,320 --> 00:22:25,320
Speaker 1: messages to remind people who have signed up for the

459
00:22:25,320 --> 00:22:29,000
Speaker 1: liver Rich Academy, Hey tonight, there's class tonight, because that's

460
00:22:29,040 --> 00:22:32,000
Speaker 1: one of the number one That was some feedback that

461
00:22:32,000 --> 00:22:33,760
Speaker 1: we'd gotten that like, oh I love the classes, but

462
00:22:33,800 --> 00:22:36,000
Speaker 1: I'm always missing them. So we thought, well, well, what

463
00:22:36,080 --> 00:22:38,320
Speaker 1: can we do. Oh, people might not check their email,

464
00:22:38,359 --> 00:22:40,480
Speaker 1: but they checked their phone all the time. If we

465
00:22:40,480 --> 00:22:43,200
Speaker 1: could set a text message three hours before, don't forget

466
00:22:43,240 --> 00:22:46,040
Speaker 1: classes tonight. And so you would think that would be

467
00:22:46,080 --> 00:22:49,280
Speaker 1: a simple thing, but you need like a PhD in

468
00:22:50,040 --> 00:22:54,119
Speaker 1: behind the scenes onomy just to like So me and

469
00:22:54,119 --> 00:22:55,440
Speaker 1: her were working it and we thought we got it.

470
00:22:55,480 --> 00:22:57,480
Speaker 1: We're like we got it, and then we tested it

471
00:22:57,520 --> 00:22:59,040
Speaker 1: and it didn't work. And I was like, well, girl,

472
00:22:59,080 --> 00:23:01,560
Speaker 1: I gotta go tape around. And but like that's just

473
00:23:01,600 --> 00:23:04,760
Speaker 1: how if you're running a company or you have like

474
00:23:04,920 --> 00:23:08,520
Speaker 1: high level responsibility, I mean from that to interviewing folks,

475
00:23:08,560 --> 00:23:12,320
Speaker 1: to always marketing to you know, coming up with new

476
00:23:12,400 --> 00:23:15,760
Speaker 1: strategies for the brand. I mean, I mean, I've grown

477
00:23:15,840 --> 00:23:17,920
Speaker 1: so much as a person just from running a company,

478
00:23:17,920 --> 00:23:21,000
Speaker 1: because it's just you're never just doing one thing. I

479
00:23:21,800 --> 00:23:24,159
Speaker 1: don't even spend majority I won't even say half of

480
00:23:24,160 --> 00:23:27,680
Speaker 1: my time is spent and teaching financial education less than half,

481
00:23:27,800 --> 00:23:30,600
Speaker 1: which is like the core the core competency of my

482
00:23:30,640 --> 00:23:33,480
Speaker 1: business is teaching being a financial educator. But most of

483
00:23:33,480 --> 00:23:37,720
Speaker 1: my time is spent you know, running a business. So yeah,

484
00:23:37,760 --> 00:23:40,240
Speaker 1: I could totally see that. But even better than working

485
00:23:40,560 --> 00:23:42,680
Speaker 1: for a CEO is being a CEO.

486
00:23:43,359 --> 00:23:49,399
Speaker 2: Yo. Yeah, So yeah, it was an interesting said if

487
00:23:49,400 --> 00:23:51,120
Speaker 2: you want to go check it out, go to LinkedIn

488
00:23:51,640 --> 00:23:55,439
Speaker 2: dot com, just google LinkedIn CEO study. It's super interesting

489
00:23:55,480 --> 00:24:12,480
Speaker 2: tips though, And that concludes buzzworthy. That was a good puzzworthy.

490
00:24:12,640 --> 00:24:16,760
Speaker 2: It was all right on our first anniversary, will you

491
00:24:16,800 --> 00:24:18,760
Speaker 2: be boosting or will you be breaking?

492
00:24:19,920 --> 00:24:24,760
Speaker 1: Well, I think that I am going to I'm gonna

493
00:24:25,359 --> 00:24:30,320
Speaker 1: I'm gonna boost I'm gonna boost communication. I think that.

494
00:24:30,480 --> 00:24:34,040
Speaker 1: I mean, I was just like like I woman, I

495
00:24:34,080 --> 00:24:38,000
Speaker 1: am so no, just because me and Superman had just

496
00:24:38,040 --> 00:24:41,800
Speaker 1: like a very strong conversation last night. You know that's

497
00:24:41,800 --> 00:24:44,680
Speaker 1: what you call when you say you did you guys argue, Oh, that's.

498
00:24:44,480 --> 00:24:47,080
Speaker 2: Like before that's like like an adult argument.

499
00:24:48,920 --> 00:24:52,280
Speaker 1: But I mean it was because I was the only

500
00:24:52,320 --> 00:24:55,399
Speaker 1: one with the conversation. He was just looking like, oh,

501
00:24:55,520 --> 00:24:56,280
Speaker 1: where is this coming to?

502
00:24:56,480 --> 00:25:01,040
Speaker 2: Yea girl? I recognize that feeling. I know that feeling. Well, right, go.

503
00:25:00,960 --> 00:25:03,160
Speaker 1: Ahead, and then and then after you're done, you're looking

504
00:25:03,240 --> 00:25:05,840
Speaker 1: like was I just crazy girlfriend right now? Or was

505
00:25:05,880 --> 00:25:09,040
Speaker 1: I legitimately I'm upset so I get to express myself girlfriend.

506
00:25:09,240 --> 00:25:12,600
Speaker 1: Either way, it's done. And so we just had like,

507
00:25:12,640 --> 00:25:14,800
Speaker 1: you know, like a strong conversation because I was just like, so,

508
00:25:15,000 --> 00:25:18,080
Speaker 1: what's because to me, communication is key. I'm always wanted

509
00:25:18,119 --> 00:25:19,879
Speaker 1: to be like, well, let's make sure we're on the

510
00:25:19,880 --> 00:25:22,200
Speaker 1: same page. We're on the same page, right, Let's make sure.

511
00:25:22,600 --> 00:25:24,400
Speaker 1: And so he said something that made me think are

512
00:25:24,400 --> 00:25:26,199
Speaker 1: we not on the same page? And I just, you know,

513
00:25:26,680 --> 00:25:28,600
Speaker 1: I don't know why I had a backflip about it,

514
00:25:28,680 --> 00:25:30,840
Speaker 1: Maybe because I was not feeling so well from the cold,

515
00:25:31,240 --> 00:25:33,680
Speaker 1: but I basically was like, look, this is the year

516
00:25:34,000 --> 00:25:37,960
Speaker 1: whether you like it or not, this is the year now.

517
00:25:40,680 --> 00:25:43,280
Speaker 1: And I said, so, it's either the year that is

518
00:25:43,520 --> 00:25:45,080
Speaker 1: that we take it to the next level or it

519
00:25:45,119 --> 00:25:48,200
Speaker 1: is the year that we say goodbye. You you decide, sir,

520
00:25:48,520 --> 00:25:50,359
Speaker 1: And he was just like, I didn't say that. I'm like,

521
00:25:50,480 --> 00:25:54,720
Speaker 1: let me finish. And so so we had a strongly

522
00:25:54,760 --> 00:25:57,040
Speaker 1: word of conversation and then I felt bad later because

523
00:25:57,080 --> 00:25:58,600
Speaker 1: he was like, babe, you know I love you. I

524
00:25:58,640 --> 00:26:00,760
Speaker 1: mean like, this is you know, this is what I want.

525
00:26:01,080 --> 00:26:03,760
Speaker 1: We talked about this. I was like, oh, because you

526
00:26:03,800 --> 00:26:05,480
Speaker 1: said something that made it seem like He's like, well,

527
00:26:05,520 --> 00:26:09,120
Speaker 1: of course, I'm just expressing that. You know, it's still

528
00:26:09,320 --> 00:26:10,960
Speaker 1: it's still a scary move, you know.

529
00:26:12,080 --> 00:26:15,439
Speaker 2: And what are we talking about her babies or that marriage.

530
00:26:15,680 --> 00:26:17,200
Speaker 1: I feel like men always are like, yeah, I'll pop

531
00:26:17,240 --> 00:26:18,840
Speaker 1: out a baby. We're talking about marriage.

532
00:26:18,920 --> 00:26:20,200
Speaker 2: They're not popping out anything.

533
00:26:20,480 --> 00:26:21,960
Speaker 1: No, But I'm just saying that, like, you know, men

534
00:26:21,960 --> 00:26:24,360
Speaker 1: are like, yes, I feel like a man is more

535
00:26:24,400 --> 00:26:27,400
Speaker 1: apt to want to have a kid sometimes and want

536
00:26:27,440 --> 00:26:28,119
Speaker 1: to get married.

537
00:26:28,440 --> 00:26:32,800
Speaker 2: And so I would like to see that study. I

538
00:26:32,840 --> 00:26:35,679
Speaker 2: don't know, Actually, that's an interesting question. I wonder what

539
00:26:35,760 --> 00:26:36,720
Speaker 2: is more terrifying.

540
00:26:37,440 --> 00:26:39,960
Speaker 1: I feel like man, I feel like honestly that it's

541
00:26:40,000 --> 00:26:43,080
Speaker 1: more terrifying to them, like because marriage is like, oh

542
00:26:43,119 --> 00:26:45,440
Speaker 1: my god, I'm never gonna be able to run around

543
00:26:45,440 --> 00:26:47,320
Speaker 1: because he was like, it's just scary because you know,

544
00:26:47,720 --> 00:26:50,000
Speaker 1: I won't be free. I'm like, you're not free now, brother,

545
00:26:50,200 --> 00:26:53,040
Speaker 1: we lived together. Where are you going? He was like,

546
00:26:53,400 --> 00:26:54,040
Speaker 1: that's true.

547
00:26:54,160 --> 00:26:55,760
Speaker 2: Having a child does not make it. I mean I

548
00:26:55,760 --> 00:26:59,200
Speaker 2: feel like having a child is like the ultimate tie down,

549
00:26:59,440 --> 00:27:02,480
Speaker 2: Like there's no like you, it's a life, it's a

550
00:27:02,560 --> 00:27:03,359
Speaker 2: human life.

551
00:27:03,720 --> 00:27:06,160
Speaker 1: That's terrifying, you know, well to me because I don't

552
00:27:06,200 --> 00:27:08,080
Speaker 1: have but he has, you know, a child, and you

553
00:27:08,119 --> 00:27:11,240
Speaker 1: know he's you know, so to him, it's not it's like,

554
00:27:11,320 --> 00:27:13,480
Speaker 1: oh yeah, you know, let him tell it. He'd like four.

555
00:27:13,560 --> 00:27:16,160
Speaker 1: I'm like, how son, I'm thirty seven, almost thirty seven.

556
00:27:16,280 --> 00:27:18,879
Speaker 1: That's not gonna happen. If you're lucky, maybe two, but

557
00:27:19,160 --> 00:27:22,840
Speaker 1: likely one. So yeah, we had like a strongly worded conversation.

558
00:27:23,080 --> 00:27:25,199
Speaker 1: Well I did it, but and I thought to myself,

559
00:27:25,240 --> 00:27:29,280
Speaker 1: you know, communication is really key because I mean you

560
00:27:29,359 --> 00:27:32,520
Speaker 1: just to me, whether it's your boo, whether it's your

561
00:27:33,000 --> 00:27:36,560
Speaker 1: you know, friend at work, whoever, that like really expressing

562
00:27:36,600 --> 00:27:40,560
Speaker 1: yourself even if sometimes it's strong. You know that, I

563
00:27:40,600 --> 00:27:42,000
Speaker 1: don't know. I just wanted to give a boost to that,

564
00:27:42,040 --> 00:27:44,760
Speaker 1: because how do you know, people can't read your mind.

565
00:27:44,760 --> 00:27:46,920
Speaker 1: You have to say what you think, and you can't

566
00:27:46,960 --> 00:27:49,000
Speaker 1: wait forever. That's one thing I've learned because I used

567
00:27:49,000 --> 00:27:51,240
Speaker 1: to be someone who would say nothing and then completely

568
00:27:51,280 --> 00:27:54,359
Speaker 1: blow up, and so I've learned, like you know, I'm better.

569
00:27:54,440 --> 00:27:58,000
Speaker 1: I'm not totally great at it and expressing myself in

570
00:27:58,080 --> 00:27:59,879
Speaker 1: the moment when I'm feeling it and saying, well, this

571
00:27:59,920 --> 00:28:01,919
Speaker 1: is how I'm feeling now. So it's not something that

572
00:28:01,960 --> 00:28:04,960
Speaker 1: I've waited three years to say. So that's my boost communication.

573
00:28:05,119 --> 00:28:07,240
Speaker 1: So we'll see, because you know, my birthday's coming up, Mandy,

574
00:28:07,320 --> 00:28:09,800
Speaker 1: so you are no, well, I was just.

575
00:28:09,760 --> 00:28:13,080
Speaker 2: Gonna I was just gonna add to that. It's never

576
00:28:13,240 --> 00:28:16,080
Speaker 2: just the one conversation like I think we thought at

577
00:28:16,160 --> 00:28:19,920
Speaker 2: least a half doesn't like come to Jesus' adulting conversations

578
00:28:19,960 --> 00:28:22,840
Speaker 2: like where you have to re establish Okay, this is

579
00:28:22,880 --> 00:28:25,160
Speaker 2: what I want now, are you okay? Good? Okay, great?

580
00:28:25,280 --> 00:28:27,439
Speaker 2: And then you like I feel like you can't just

581
00:28:27,480 --> 00:28:29,800
Speaker 2: have the one conversation and think that that's it and

582
00:28:29,840 --> 00:28:32,640
Speaker 2: that they're continuing to like read your mind. I think

583
00:28:32,680 --> 00:28:35,000
Speaker 2: you have to like revisit it every once in a

584
00:28:35,000 --> 00:28:37,320
Speaker 2: while just to like catch up and make sure you

585
00:28:37,320 --> 00:28:40,080
Speaker 2: guys are on the same page because things can change.

586
00:28:39,840 --> 00:28:41,360
Speaker 1: No for real. And that's why I was like, so,

587
00:28:41,520 --> 00:28:44,239
Speaker 1: is that what's happening? Are we changing your mind? I

588
00:28:44,280 --> 00:28:46,840
Speaker 1: was like, oh, just cause be clear. You know women

589
00:28:46,880 --> 00:28:50,560
Speaker 1: were so terrible. Just be clear. I mean, I could

590
00:28:50,640 --> 00:28:53,040
Speaker 1: you know You're like, kemny, what are you talking about? You?

591
00:28:54,240 --> 00:28:56,120
Speaker 2: Oh, I know just how crazy you got. You're not

592
00:28:56,160 --> 00:28:58,440
Speaker 2: even telling the half of it. I can just imagine

593
00:28:58,480 --> 00:28:59,320
Speaker 2: because I've been there.

594
00:28:59,600 --> 00:29:02,840
Speaker 1: Yes, And then I'm like, yes, I mean I didn't

595
00:29:02,960 --> 00:29:04,720
Speaker 1: go as dark as I could. I was telling my

596
00:29:04,760 --> 00:29:06,720
Speaker 1: best friend. I was like, you know, one good thing

597
00:29:06,800 --> 00:29:10,440
Speaker 1: is I went upstairs and I had more darkness to spew,

598
00:29:10,960 --> 00:29:13,720
Speaker 1: and like there was a little light that said, don't

599
00:29:13,720 --> 00:29:15,880
Speaker 1: you do it. Don't you do it. You've already done

600
00:29:15,880 --> 00:29:17,959
Speaker 1: it up there. You just go to sleep. Because I

601
00:29:18,000 --> 00:29:19,440
Speaker 1: was going to go back downstairs and be like and

602
00:29:19,680 --> 00:29:20,600
Speaker 1: another thing.

603
00:29:20,480 --> 00:29:25,280
Speaker 2: But it don't. That's called Marry maturity. Mary Maturity visited

604
00:29:25,280 --> 00:29:26,080
Speaker 2: you the angel.

605
00:29:26,520 --> 00:29:28,920
Speaker 1: Yes she did, because this morning, like you know, it

606
00:29:28,960 --> 00:29:30,880
Speaker 1: was like, honestly, he woke up and he was like, baby,

607
00:29:31,320 --> 00:29:32,680
Speaker 1: I don't want you to feel any kind of way.

608
00:29:32,760 --> 00:29:34,640
Speaker 1: I love you, this is what I want. And it

609
00:29:34,760 --> 00:29:38,080
Speaker 1: was only because I had not gone to the dark

610
00:29:38,120 --> 00:29:40,160
Speaker 1: side that we were able to like this morning. Honestly,

611
00:29:40,200 --> 00:29:42,280
Speaker 1: there was no bad blood this morning. It was just like, no,

612
00:29:42,360 --> 00:29:43,880
Speaker 1: I don't know why you feel that way. No, I

613
00:29:43,920 --> 00:29:46,360
Speaker 1: can express me being like a little scared without you

614
00:29:46,400 --> 00:29:48,200
Speaker 1: thinking now I'm trying to run away? Where am I going?

615
00:29:48,800 --> 00:29:51,280
Speaker 1: And I'm like, that's true. So, like I said, you

616
00:29:51,360 --> 00:29:56,080
Speaker 1: live and you learn, and you live to communicate another day, hopefully.

617
00:29:56,720 --> 00:30:01,320
Speaker 2: And doubts don't mean they're not like doubts aren't terrible,

618
00:30:01,720 --> 00:30:05,960
Speaker 2: Like everyone has doubts, Everyone second guesses. I think I

619
00:30:06,000 --> 00:30:09,880
Speaker 2: always I never believe that. I never believe that that line,

620
00:30:09,920 --> 00:30:12,280
Speaker 2: like I just knew for the moment I met them,

621
00:30:12,280 --> 00:30:14,960
Speaker 2: and I never question. I just never ever ever question,

622
00:30:15,160 --> 00:30:18,000
Speaker 2: like what do you not have a brain or like

623
00:30:18,280 --> 00:30:20,239
Speaker 2: a career to think about it. I think everyone has

624
00:30:20,400 --> 00:30:23,600
Speaker 2: questions about relationships and you have to like think about

625
00:30:23,640 --> 00:30:26,280
Speaker 2: that and those questions and the answers change over time.

626
00:30:26,760 --> 00:30:28,080
Speaker 2: I don't know, I think doubt's okay.

627
00:30:28,480 --> 00:30:30,880
Speaker 1: Yeah, No, I honestly because I mean, I of course

628
00:30:30,920 --> 00:30:33,040
Speaker 1: have had and not just because not because he's not

629
00:30:33,080 --> 00:30:34,920
Speaker 1: a great guy. But you know, you just think yourself

630
00:30:35,400 --> 00:30:38,040
Speaker 1: when you start to really think like this would be it?

631
00:30:38,040 --> 00:30:40,960
Speaker 1: It it like, am I certain to say the rest

632
00:30:40,960 --> 00:30:44,160
Speaker 1: of my life like forever ever? You know, when you

633
00:30:44,160 --> 00:30:46,800
Speaker 1: start thinking of it, you know, then you start thinking like, well,

634
00:30:46,800 --> 00:30:50,040
Speaker 1: what about what if maybe you know, well, for me,

635
00:30:50,120 --> 00:30:53,360
Speaker 1: it's not even about someone else. It's more so about me, Like, well,

636
00:30:54,160 --> 00:30:56,080
Speaker 1: like what if I want to travel the world and

637
00:30:56,160 --> 00:30:58,800
Speaker 1: like live in Istanbul for a year and not get

638
00:30:58,840 --> 00:31:02,000
Speaker 1: married and just like be the cool aunt that you know,

639
00:31:02,080 --> 00:31:03,880
Speaker 1: it's like it's always living in a different country. What

640
00:31:03,880 --> 00:31:05,280
Speaker 1: if I want to be that girl? Because I used

641
00:31:05,280 --> 00:31:08,600
Speaker 1: to want to be that girl, and so that's that's

642
00:31:08,680 --> 00:31:10,520
Speaker 1: usually like what I struggle with is like you know.

643
00:31:10,640 --> 00:31:12,360
Speaker 2: The answer, oh tell me, because I had that thought

644
00:31:12,400 --> 00:31:13,040
Speaker 2: sometimes too.

645
00:31:13,800 --> 00:31:17,560
Speaker 1: But then I think to myself, come, yeah, oh you

646
00:31:17,600 --> 00:31:19,200
Speaker 1: know what. You know. The thing is I have to

647
00:31:19,240 --> 00:31:21,960
Speaker 1: say that I'm fortunate in that for about a year

648
00:31:22,000 --> 00:31:23,880
Speaker 1: and a half two year span, I got to be

649
00:31:23,960 --> 00:31:25,880
Speaker 1: that girl. And the truth of the matter is I

650
00:31:25,920 --> 00:31:29,560
Speaker 1: would come home and be like this sucks, and every

651
00:31:29,680 --> 00:31:32,240
Speaker 1: night I'd be like this sucks, like it would be

652
00:31:32,280 --> 00:31:34,880
Speaker 1: so great, like I've been to honestly over twenty maybe

653
00:31:34,920 --> 00:31:38,400
Speaker 1: twenty five, nearing thirty different countries in two years before

654
00:31:38,520 --> 00:31:41,160
Speaker 1: Superman and I got together. And as much as it

655
00:31:41,200 --> 00:31:43,520
Speaker 1: was great to travel and do whatever I wanted and

656
00:31:44,040 --> 00:31:45,920
Speaker 1: you know, take walks at three o'clock in the morning,

657
00:31:45,960 --> 00:31:49,280
Speaker 1: I always came back to loneliness and emptiness. There's a

658
00:31:49,320 --> 00:31:52,320
Speaker 1: great song, Oh my Gosh by nd I read that

659
00:31:52,440 --> 00:31:54,760
Speaker 1: everyone should listen to who's kind of feeling like that.

660
00:31:55,040 --> 00:31:58,920
Speaker 1: It's called No, It's called the Life I Know. And

661
00:31:58,960 --> 00:32:00,920
Speaker 1: it is so beautiful and it would likely make you

662
00:32:01,000 --> 00:32:03,600
Speaker 1: cry if you're in that space. But she talks about

663
00:32:04,400 --> 00:32:07,680
Speaker 1: how you know that she has had an extraordinary life

664
00:32:08,120 --> 00:32:10,600
Speaker 1: and yet she comes in so many ways she's full,

665
00:32:11,160 --> 00:32:13,920
Speaker 1: but at her core she feels empty and that's the

666
00:32:13,960 --> 00:32:17,920
Speaker 1: life that she knows. And it is just it's moving

667
00:32:18,280 --> 00:32:21,400
Speaker 1: and you should just listen to it. It's like wow,

668
00:32:21,520 --> 00:32:23,120
Speaker 1: You're like, she's like, you know, I don't I don't

669
00:32:23,160 --> 00:32:24,959
Speaker 1: have a husband, I don't have kids, but that's what

670
00:32:25,000 --> 00:32:26,520
Speaker 1: I wanted. But this is the life that I know,

671
00:32:27,160 --> 00:32:32,840
Speaker 1: And this is someone who's highly accomplished and beautiful, and

672
00:32:32,960 --> 00:32:36,040
Speaker 1: you know talented and yeah, so I mean I've had

673
00:32:36,080 --> 00:32:38,320
Speaker 1: a chance to have that a little bit, and I

674
00:32:38,320 --> 00:32:40,240
Speaker 1: don't want to go back to that. This is much

675
00:32:40,320 --> 00:32:41,040
Speaker 1: much much better.

676
00:32:43,920 --> 00:32:49,240
Speaker 2: On that note, I don't know. I like to just

677
00:32:49,320 --> 00:32:51,840
Speaker 2: remind myself. I just go back. I think Facebook memories

678
00:32:51,880 --> 00:32:55,680
Speaker 2: is a great yeah, like reminder of like the shit

679
00:32:55,760 --> 00:32:57,160
Speaker 2: you used to deal with when you were in your

680
00:32:57,160 --> 00:32:59,640
Speaker 2: early twenties. I'm like, oh, yeah, I was at that club.

681
00:33:00,280 --> 00:33:02,560
Speaker 2: Let me tell you anymore? Did I tell you that?

682
00:33:02,800 --> 00:33:04,160
Speaker 1: Oh? Go ahead, no, no, go ahead?

683
00:33:04,480 --> 00:33:06,160
Speaker 2: We went This is how old I am now went

684
00:33:06,240 --> 00:33:08,640
Speaker 2: to a We went to a concert. I love LeAnn

685
00:33:08,720 --> 00:33:11,520
Speaker 2: Lahavas I have for a long time. We've seen her

686
00:33:11,560 --> 00:33:14,400
Speaker 2: twice in concert this year in New York City, and

687
00:33:14,480 --> 00:33:16,760
Speaker 2: she was playing again last week, and so I snapped

688
00:33:16,840 --> 00:33:18,880
Speaker 2: up tickets, of course, and I always spend the extra

689
00:33:18,960 --> 00:33:21,080
Speaker 2: money to get the seats that like, you know, a

690
00:33:21,080 --> 00:33:24,160
Speaker 2: lot of the venues she plays at our standing room only,

691
00:33:24,160 --> 00:33:26,760
Speaker 2: but they'll be like a VIP section, And so I

692
00:33:26,800 --> 00:33:30,280
Speaker 2: sprung for like the more more affordable like seated area

693
00:33:30,320 --> 00:33:32,360
Speaker 2: so we can sit because my feet get really sore

694
00:33:32,400 --> 00:33:34,280
Speaker 2: if I stand too long. I'm like an eighty five

695
00:33:34,360 --> 00:33:37,720
Speaker 2: year old woman on the inside. So we get there. Finally,

696
00:33:37,800 --> 00:33:39,960
Speaker 2: we've been waiting in line. I've been walking around the city.

697
00:33:40,040 --> 00:33:41,720
Speaker 2: We had a lot. We walked from dinner to the

698
00:33:41,760 --> 00:33:44,400
Speaker 2: venue because I'm like, oh, we're gonna have seats, it's fine.

699
00:33:44,880 --> 00:33:47,360
Speaker 2: And we get there and there's no seats in the

700
00:33:47,480 --> 00:33:51,280
Speaker 2: VIP section. I'm like, what is happening? And then we

701
00:33:51,320 --> 00:33:53,680
Speaker 2: stood and like the opening act came on and you

702
00:33:53,680 --> 00:33:55,400
Speaker 2: got to wait an hour, and then she didn't come

703
00:33:55,440 --> 00:33:59,080
Speaker 2: on for like forty five minutes, and we I lasted

704
00:33:59,200 --> 00:34:01,280
Speaker 2: through six songs and then we had to leave. I

705
00:34:01,360 --> 00:34:03,960
Speaker 2: was in so much pain. Really, yes, I don't know

706
00:34:04,000 --> 00:34:06,760
Speaker 2: what's happened. I'm like on my legs and my feet

707
00:34:06,800 --> 00:34:08,080
Speaker 2: just can't do it. I was on my feet for

708
00:34:08,120 --> 00:34:10,000
Speaker 2: like three hours, and I was I was done.

709
00:34:10,680 --> 00:34:15,240
Speaker 1: Especially Grandma, I think that I'm clearly headed for adult diapers.

710
00:34:15,280 --> 00:34:20,360
Speaker 1: I mean I I on the hour. Every I'm like,

711
00:34:20,400 --> 00:34:23,000
Speaker 1: who are you, Tiffany? What is happening? I drink a

712
00:34:23,000 --> 00:34:25,080
Speaker 1: cup of water and my bladder was like, well, you

713
00:34:25,120 --> 00:34:28,640
Speaker 1: know the drill. I don't like, why is this happening?

714
00:34:29,080 --> 00:34:33,080
Speaker 1: Is this age? Why? I mean Superman is always like

715
00:34:34,440 --> 00:34:35,840
Speaker 1: I see where we're headed with this.

716
00:34:36,719 --> 00:34:39,160
Speaker 2: But the difference is you catch it and you go

717
00:34:39,200 --> 00:34:42,120
Speaker 2: to the bathroom. When you're really old, you don't make it.

718
00:34:42,960 --> 00:34:44,799
Speaker 1: That's true, but I'm just like, what is happening? It's

719
00:34:44,840 --> 00:34:45,400
Speaker 1: like shrunken.

720
00:34:45,920 --> 00:34:49,640
Speaker 2: Well, that was an extended brown break? Wait?

721
00:34:49,680 --> 00:34:49,840
Speaker 1: Was that?

722
00:34:49,960 --> 00:34:52,040
Speaker 2: That was a boost? I forgot the whole start of

723
00:34:52,040 --> 00:34:57,919
Speaker 2: that conversation. I'm gonna make my communication communication, I'm gonna

724
00:34:57,920 --> 00:34:59,800
Speaker 2: take I wanted to take a brown break this week.

725
00:35:00,200 --> 00:35:05,640
Speaker 2: I wanted to take a brown break from over booking oneself,

726
00:35:06,719 --> 00:35:09,480
Speaker 2: which I'm sure you can relate to. But I just

727
00:35:09,520 --> 00:35:12,319
Speaker 2: had a week where I just like, and I'm and

728
00:35:12,360 --> 00:35:14,879
Speaker 2: I'm going through another one right now where every night

729
00:35:14,920 --> 00:35:18,080
Speaker 2: there's something, and every workday is so packed and there's

730
00:35:18,800 --> 00:35:22,719
Speaker 2: and I've gotten really like, I've never been busier than

731
00:35:22,719 --> 00:35:24,160
Speaker 2: I have been at this new job. And it's kind

732
00:35:24,200 --> 00:35:25,640
Speaker 2: of a good and bad thing where my days go

733
00:35:25,760 --> 00:35:28,520
Speaker 2: super quick. But also I'm looking I look at my

734
00:35:28,600 --> 00:35:31,200
Speaker 2: calendar all the time and it's like a it's like

735
00:35:30,560 --> 00:35:33,880
Speaker 2: a Tetris game where I'm like, oh, I can sneak

736
00:35:33,920 --> 00:35:35,640
Speaker 2: one little appointment in there, and I can do that

737
00:35:35,680 --> 00:35:37,879
Speaker 2: phone call, then oh, I have definitely have half an hour,

738
00:35:37,920 --> 00:35:40,000
Speaker 2: so I'll do like a ten minute thing there and

739
00:35:40,040 --> 00:35:42,040
Speaker 2: I'm like, oh, it all fits so nicely and everything's

740
00:35:42,080 --> 00:35:43,960
Speaker 2: so organized, and then I actually have to do the

741
00:35:44,000 --> 00:35:48,320
Speaker 2: things and I'm so I mean, I just I really crashed.

742
00:35:48,440 --> 00:35:52,080
Speaker 2: I really crashed on Sunday if I've finally had a

743
00:35:52,239 --> 00:35:55,160
Speaker 2: like Sunday was a free day and I was just

744
00:35:55,200 --> 00:35:58,719
Speaker 2: in this weird, like depressive state. It was just it

745
00:35:58,760 --> 00:36:01,719
Speaker 2: was bizarre. My fiance is like, what is wrong with you?

746
00:36:02,320 --> 00:36:03,520
Speaker 2: I was like, I don't know. Just turn the light

747
00:36:03,560 --> 00:36:07,000
Speaker 2: off on a sleep till four pm, and it was

748
00:36:07,560 --> 00:36:09,000
Speaker 2: I don't know. I just I don't ever want to

749
00:36:09,000 --> 00:36:11,719
Speaker 2: I don't want to get I've seen I've seen stress do.

750
00:36:12,400 --> 00:36:16,360
Speaker 2: Stress and anxiety do things to people, like actually manifest

751
00:36:16,440 --> 00:36:20,719
Speaker 2: itself into like physical ailments where they have become disabled.

752
00:36:20,840 --> 00:36:25,799
Speaker 2: They like it can cause things like fibromyalgia, which is

753
00:36:25,880 --> 00:36:30,680
Speaker 2: like this neurological psychological disease which the only link people

754
00:36:30,719 --> 00:36:33,400
Speaker 2: can find is like from stress related stuff. And I

755
00:36:33,400 --> 00:36:35,560
Speaker 2: have people in my family who have been diagnosed with that.

756
00:36:35,760 --> 00:36:39,000
Speaker 2: So I just wanted to, Uh, this is like sort

757
00:36:39,040 --> 00:36:41,400
Speaker 2: of like a note to myself, like you need to

758
00:36:41,440 --> 00:36:43,480
Speaker 2: get this under control. I don't want to go down

759
00:36:43,520 --> 00:36:46,799
Speaker 2: the same path that I've seen other people do, and

760
00:36:46,840 --> 00:36:49,359
Speaker 2: there's nothing like glamorous about it.

761
00:36:49,400 --> 00:36:52,680
Speaker 1: You know, it's not you don't have it slept or

762
00:36:53,080 --> 00:36:56,120
Speaker 1: see no sleep right, Like, like how was that? Because

763
00:36:56,120 --> 00:36:58,080
Speaker 1: you know, I feel like that used to be like

764
00:36:58,120 --> 00:37:01,560
Speaker 1: a badge of honor. Oh, I haven't slept, I haven't eaten.

765
00:37:01,640 --> 00:37:04,400
Speaker 1: I'm working so hard, I'm gonna die. You're like, well,

766
00:37:04,480 --> 00:37:05,719
Speaker 1: how was that enjoyable?

767
00:37:06,120 --> 00:37:08,720
Speaker 2: I felt like death? It was the worst. I was cranky,

768
00:37:08,880 --> 00:37:12,359
Speaker 2: I was tired, paint like my back was just sore

769
00:37:12,440 --> 00:37:16,120
Speaker 2: from being hunched over a computer. Yeah, it was. It

770
00:37:16,160 --> 00:37:18,719
Speaker 2: was a weird release at the end. They had this

771
00:37:18,800 --> 00:37:20,879
Speaker 2: huge project I was pushing out. It got pushed out

772
00:37:20,880 --> 00:37:23,520
Speaker 2: on Friday, and then I was so tensed up, like

773
00:37:23,600 --> 00:37:25,400
Speaker 2: so used to waking up early and going a bit

774
00:37:25,480 --> 00:37:27,239
Speaker 2: late and thinking about this project was my I was

775
00:37:27,280 --> 00:37:30,720
Speaker 2: having dreams like stress dreams, like crazy about this project

776
00:37:31,040 --> 00:37:33,480
Speaker 2: and it was finally done. It was almost like what

777
00:37:33,640 --> 00:37:36,840
Speaker 2: is my life revolve around? Now? I forget like what

778
00:37:37,280 --> 00:37:39,680
Speaker 2: real life is and I don't know. I just I

779
00:37:39,760 --> 00:37:42,359
Speaker 2: don't like it. There's nothing like and I wasn't getting

780
00:37:42,400 --> 00:37:45,439
Speaker 2: any like gold stars or like it's and I don't

781
00:37:45,440 --> 00:37:47,600
Speaker 2: think it's gonna you know, it's not like my my

782
00:37:47,640 --> 00:37:51,040
Speaker 2: boss was there saying good job, almost killing yourself, Like, yeah,

783
00:37:51,080 --> 00:37:53,560
Speaker 2: it's not it's not a cute. Look, I just felt

784
00:37:53,560 --> 00:37:55,480
Speaker 2: like death. So don't let people lie to you.

785
00:37:56,000 --> 00:38:03,759
Speaker 1: Yeah, get rest rest rest is cute.

786
00:38:04,920 --> 00:38:08,000
Speaker 2: So this week we have a question. I it's you know,

787
00:38:08,080 --> 00:38:09,680
Speaker 2: it's not really a question, it's more like a cry

788
00:38:09,719 --> 00:38:12,120
Speaker 2: for help. And I feel like she might need some

789
00:38:12,120 --> 00:38:16,400
Speaker 2: words of encouragement. Okay, let me get this up so

790
00:38:16,480 --> 00:38:20,160
Speaker 2: I can read it. We did a whole sort of

791
00:38:20,200 --> 00:38:24,600
Speaker 2: interview and podcast about single moms and just like the

792
00:38:24,640 --> 00:38:28,279
Speaker 2: power of single moms, and this question slash cry for

793
00:38:28,360 --> 00:38:31,120
Speaker 2: help comes from a single mom named Kim, and I

794
00:38:31,200 --> 00:38:32,920
Speaker 2: changed her name because I don't think she wants us

795
00:38:32,920 --> 00:38:35,680
Speaker 2: to use her real name. She says, I really need

796
00:38:35,680 --> 00:38:39,279
Speaker 2: your help with budgeting, finances and money in general. I

797
00:38:39,280 --> 00:38:41,640
Speaker 2: am so overwhelmed and I'm hoping that you can help me.

798
00:38:42,560 --> 00:38:47,640
Speaker 2: I'm a member of Tiffany's group, the Dreamcatchers, and I also, yeah,

799
00:38:47,680 --> 00:38:51,200
Speaker 2: I also subscribe to Dreamcatchers. Although all of the stories

800
00:38:51,200 --> 00:38:53,680
Speaker 2: in the post and the group are very inspiring, I

801
00:38:53,719 --> 00:38:57,160
Speaker 2: feel so financially overwhelmed and have so much debt. I

802
00:38:57,160 --> 00:38:59,719
Speaker 2: feel like I'm going nowhere fast and my head is

803
00:38:59,719 --> 00:39:03,080
Speaker 2: going to explode. I make good money, ninety two thousand

804
00:39:03,120 --> 00:39:05,840
Speaker 2: dollars a year, but I feel like I'm living paycheck

805
00:39:05,920 --> 00:39:08,200
Speaker 2: to paycheck. I've borrowed from my four oh one k

806
00:39:08,640 --> 00:39:11,359
Speaker 2: I have no savings. I feel like I'm drowning. I

807
00:39:11,400 --> 00:39:14,240
Speaker 2: wake up and have anxiety thinking about it every morning

808
00:39:14,280 --> 00:39:17,719
Speaker 2: before I get out of bed. Any assistance or help

809
00:39:17,800 --> 00:39:21,440
Speaker 2: you can offer will be greatly appreciated. She says, I'm

810
00:39:21,480 --> 00:39:25,280
Speaker 2: a fifty year old single mom with two daughters, one

811
00:39:25,320 --> 00:39:26,400
Speaker 2: still in school.

812
00:39:27,840 --> 00:39:31,120
Speaker 1: Wow, oh, miss Kim, Yes, I would say, Miss Kim.

813
00:39:31,719 --> 00:39:36,239
Speaker 1: The good news is it's you. The bad news is

814
00:39:36,280 --> 00:39:38,840
Speaker 1: it's you. So this is what that means. That means

815
00:39:38,960 --> 00:39:43,200
Speaker 1: that you have the power, at any moment in time

816
00:39:43,680 --> 00:39:47,200
Speaker 1: to really like change the direction of where you feel

817
00:39:47,239 --> 00:39:49,040
Speaker 1: that you're going. Everyone kind of has that come to

818
00:39:49,120 --> 00:39:51,480
Speaker 1: Jesus moment when you're like, what is happening? I'm in

819
00:39:51,560 --> 00:39:54,680
Speaker 1: quicksand when first things first, when people tell me because

820
00:39:54,840 --> 00:39:56,840
Speaker 1: I've been there, where I'm like, what is happening? Where's

821
00:39:57,040 --> 00:39:59,960
Speaker 1: where's my money going? I'm feeling overwhelmed. I can't sleep,

822
00:40:00,680 --> 00:40:04,000
Speaker 1: I'm feeling anxious, and really it's like if you're in

823
00:40:04,000 --> 00:40:05,279
Speaker 1: the ditch, the first thing you have to do is

824
00:40:05,320 --> 00:40:08,160
Speaker 1: put down the shovel and stop digging and assess where

825
00:40:08,200 --> 00:40:10,920
Speaker 1: you are. And what that means for you really is

826
00:40:10,960 --> 00:40:14,440
Speaker 1: to write down a budget. Not the budget that you're

827
00:40:14,440 --> 00:40:16,719
Speaker 1: gonna use to live by, but the budget that you're

828
00:40:16,760 --> 00:40:20,080
Speaker 1: currently living by, which really just means listing everything that

829
00:40:20,080 --> 00:40:23,520
Speaker 1: you're currently spending money on a month and how much

830
00:40:23,560 --> 00:40:25,640
Speaker 1: your life is costing you a month. If you're not sure,

831
00:40:26,000 --> 00:40:28,120
Speaker 1: if you're a debit card swiper like most folks, or

832
00:40:28,200 --> 00:40:31,080
Speaker 1: credit card swiper, pull out your monthly statements and begin

833
00:40:31,200 --> 00:40:34,120
Speaker 1: writing down, you know, do you have a mortgage, are

834
00:40:34,120 --> 00:40:37,520
Speaker 1: you paying you know, utilities, but not just those things,

835
00:40:37,520 --> 00:40:44,640
Speaker 1: but going out, eating, out, grooming, entertainment, groceries. Writing down

836
00:40:44,760 --> 00:40:47,840
Speaker 1: all of those things and how much they're costing you

837
00:40:47,880 --> 00:40:50,759
Speaker 1: a month, to just get a picture of what your

838
00:40:50,800 --> 00:40:53,680
Speaker 1: life is costing your month. So that said, this initial

839
00:40:53,719 --> 00:40:56,239
Speaker 1: budget is not the this is the budget I'm living by,

840
00:40:56,360 --> 00:40:59,360
Speaker 1: it's the checkup budget, like, well, this is where I

841
00:40:59,400 --> 00:41:01,759
Speaker 1: currently am, this is how much I'm actually spending a month,

842
00:41:01,800 --> 00:41:03,279
Speaker 1: Because you have to kind of get a handle on

843
00:41:03,400 --> 00:41:06,359
Speaker 1: where am I currently? And then from that you could

844
00:41:06,400 --> 00:41:09,480
Speaker 1: start making decisions like, Okay, I see that. You know,

845
00:41:09,520 --> 00:41:10,960
Speaker 1: maybe you pay for your daughter to get her hair

846
00:41:11,000 --> 00:41:13,959
Speaker 1: done twice a week, or you know, once every twice

847
00:41:14,000 --> 00:41:16,640
Speaker 1: a month, and it's forty dollars. That's eighty dollars a month.

848
00:41:16,719 --> 00:41:19,640
Speaker 1: Is there something you can do about that expense? If

849
00:41:19,680 --> 00:41:21,680
Speaker 1: groceries are costing you a lot, it's there something you

850
00:41:21,680 --> 00:41:24,080
Speaker 1: can do about that expense. The reason why I want

851
00:41:24,080 --> 00:41:25,400
Speaker 1: you to write it down or to put it like

852
00:41:25,440 --> 00:41:28,080
Speaker 1: in an Excel spreadsheet, is so you can literally start

853
00:41:28,120 --> 00:41:32,440
Speaker 1: going line item by a line item and making individual

854
00:41:32,520 --> 00:41:37,480
Speaker 1: choices in the beginning when you are when you're spending

855
00:41:37,520 --> 00:41:40,280
Speaker 1: more than you make. Sometimes I had to tell myself,

856
00:41:40,280 --> 00:41:42,400
Speaker 1: and this was the hardest lesson when I kind of

857
00:41:42,480 --> 00:41:45,120
Speaker 1: had to pull myself in, was some people were not

858
00:41:45,160 --> 00:41:48,000
Speaker 1: gonna get paid because I did not have it. It

859
00:41:48,080 --> 00:41:50,719
Speaker 1: wasn't until like it's not forever, but it was so

860
00:41:50,880 --> 00:41:53,200
Speaker 1: scary to say, my mortgage is not going to get paid.

861
00:41:53,239 --> 00:41:55,480
Speaker 1: I had to make that decision. Like then, I'm not

862
00:41:55,520 --> 00:41:57,279
Speaker 1: saying that you shouldn't pay your mortgage, but I'm saying

863
00:41:57,280 --> 00:41:59,640
Speaker 1: at some point, sometimes you look and you're like Wow,

864
00:41:59,800 --> 00:42:02,880
Speaker 1: I'm spending you know, six thousand dollars a month, but

865
00:42:02,920 --> 00:42:05,680
Speaker 1: I'm making five what's not going to get paid to

866
00:42:05,800 --> 00:42:08,240
Speaker 1: so I can get back on track. And that's okay

867
00:42:08,280 --> 00:42:10,400
Speaker 1: to say, because you can get back on track. And

868
00:42:10,440 --> 00:42:13,360
Speaker 1: then so I had to prioritize, and so I prioritize that,

869
00:42:13,400 --> 00:42:15,560
Speaker 1: you know, I'm gonna move back home. I'm gonna let

870
00:42:15,600 --> 00:42:18,280
Speaker 1: go of the house. That was my choice, and because

871
00:42:18,400 --> 00:42:21,680
Speaker 1: it was either pay the mortgage and nothing else, or

872
00:42:21,680 --> 00:42:23,839
Speaker 1: pay everything else and not the mortgage. And so that's

873
00:42:23,840 --> 00:42:25,640
Speaker 1: the choice that I made. But I can only make

874
00:42:25,680 --> 00:42:28,480
Speaker 1: that choice from starting from that initial budget that's just

875
00:42:28,520 --> 00:42:30,960
Speaker 1: that initial picture of what is my money currently doing,

876
00:42:31,000 --> 00:42:33,720
Speaker 1: and then going line item by line item and making

877
00:42:33,719 --> 00:42:37,200
Speaker 1: a different choice. It's not gonna be I think sometimes

878
00:42:37,239 --> 00:42:40,440
Speaker 1: people think like it's it's supposed to feel good. It's not.

879
00:42:41,560 --> 00:42:43,120
Speaker 1: It's definitely not gonna be easy. But I think you

880
00:42:43,200 --> 00:42:46,360
Speaker 1: know that. But and it's going to I call it

881
00:42:46,400 --> 00:42:49,439
Speaker 1: the tears and tissues step, when you kind of list

882
00:42:49,480 --> 00:42:51,480
Speaker 1: everything you spend money on and subtract it from your

883
00:42:51,520 --> 00:42:53,560
Speaker 1: take home pay, because when you see kind of where

884
00:42:53,600 --> 00:42:56,839
Speaker 1: you are, it can be hurtful to you. But that's

885
00:42:56,880 --> 00:42:58,799
Speaker 1: okay too, because you won't always be that way, but

886
00:42:58,840 --> 00:43:01,799
Speaker 1: you need that initial This is where I currently am,

887
00:43:02,320 --> 00:43:04,840
Speaker 1: and so that way I can start making conscious choices,

888
00:43:05,200 --> 00:43:06,759
Speaker 1: one line item by one line item.

889
00:43:08,080 --> 00:43:09,799
Speaker 2: I want to ask a question. I'll kind of play

890
00:43:09,880 --> 00:43:12,320
Speaker 2: Devil's advocate here because we get a lot of questions

891
00:43:12,360 --> 00:43:15,399
Speaker 2: like this at Magnify Money, and one of the things

892
00:43:15,400 --> 00:43:18,160
Speaker 2: that we do is anyone can go to Magnify Money

893
00:43:18,320 --> 00:43:20,279
Speaker 2: and go to Live and Learn the section at the

894
00:43:20,320 --> 00:43:22,120
Speaker 2: top of the site and sign up for a free

895
00:43:22,239 --> 00:43:25,359
Speaker 2: twenty minute debt help session. And we get a lot

896
00:43:25,360 --> 00:43:27,680
Speaker 2: of and not we get a lot of calls from people,

897
00:43:27,680 --> 00:43:29,600
Speaker 2: and we also get a lot of emails from people

898
00:43:29,600 --> 00:43:31,719
Speaker 2: who are in this kind of situation. I don't really

899
00:43:31,760 --> 00:43:35,200
Speaker 2: know what Kim's exact debt breakdown is, but I imagine there's

900
00:43:35,200 --> 00:43:37,560
Speaker 2: a car payment, probably has a lot of credit card debt,

901
00:43:37,640 --> 00:43:40,359
Speaker 2: maybe student loans of her own. My question is, at

902
00:43:40,400 --> 00:43:43,319
Speaker 2: what point do you just say, Okay, it's time to

903
00:43:43,320 --> 00:43:47,560
Speaker 2: file bankruptcy, like my parents file bankruptcy. I feel like

904
00:43:47,560 --> 00:43:51,080
Speaker 2: there's this huge stigma around bankruptcy and that it's not

905
00:43:51,520 --> 00:43:54,319
Speaker 2: that you know, there's this huge shame around it, and

906
00:43:54,360 --> 00:43:56,319
Speaker 2: you're like you're proving that you're a failure. But I

907
00:43:56,320 --> 00:43:58,640
Speaker 2: feel like in some cases, and I'm not saying I

908
00:43:58,680 --> 00:44:00,600
Speaker 2: don't really know enough about Kim. I definitely don't know

909
00:44:00,719 --> 00:44:02,520
Speaker 2: enough about Kim to say it's best for her. But

910
00:44:02,960 --> 00:44:05,080
Speaker 2: at some point, isn't it just like just you know,

911
00:44:05,160 --> 00:44:07,239
Speaker 2: it can be a tool that you can use to

912
00:44:07,280 --> 00:44:09,960
Speaker 2: your advantage to get off from under this kind of

913
00:44:10,000 --> 00:44:10,640
Speaker 2: crushing debt.

914
00:44:11,560 --> 00:44:15,439
Speaker 1: The problem I find with filing bankruptcy is that if

915
00:44:15,440 --> 00:44:18,319
Speaker 1: you have not done the work beforehand, meaning that if

916
00:44:18,320 --> 00:44:20,239
Speaker 1: you have not created the budget, if you have not

917
00:44:20,280 --> 00:44:23,319
Speaker 1: reached out to your creditors, if you have not done that,

918
00:44:23,360 --> 00:44:25,960
Speaker 1: you're going to find yourself back in that situation. Because

919
00:44:26,239 --> 00:44:29,439
Speaker 1: bankruptcy might wipe the slight clean, but if you still

920
00:44:29,440 --> 00:44:31,360
Speaker 1: have the same habits, you're just going to fill that

921
00:44:31,480 --> 00:44:32,360
Speaker 1: take back up again.

922
00:44:32,880 --> 00:44:35,080
Speaker 2: Oh yeah, I totally agree. And you know what, do

923
00:44:35,080 --> 00:44:39,080
Speaker 2: you know what I learned about bankruptcy? Like credit card companies,

924
00:44:39,400 --> 00:44:43,200
Speaker 2: they have direct marketing lists of people who recently filed

925
00:44:43,200 --> 00:44:47,600
Speaker 2: bankruptcy because these people have proven they already have poor

926
00:44:47,640 --> 00:44:51,120
Speaker 2: credit habits and there are great customers for them because

927
00:44:51,120 --> 00:44:53,000
Speaker 2: they make so much money off of them. So asgree

928
00:44:53,040 --> 00:44:55,319
Speaker 2: as you fell bankruptcy, they start marketing towards you.

929
00:44:55,440 --> 00:44:55,839
Speaker 1: They do.

930
00:44:56,280 --> 00:44:58,200
Speaker 2: Yeah, I mean, I totally agree with the with the

931
00:44:58,239 --> 00:45:01,239
Speaker 2: idea of like changing those behaviors and getting in a

932
00:45:01,320 --> 00:45:07,480
Speaker 2: different money mindset. But I don't know, and I don't think.

933
00:45:07,520 --> 00:45:10,000
Speaker 2: I'm not trying to glorify bankruptcy, but I do wish

934
00:45:10,000 --> 00:45:13,360
Speaker 2: we could talk about it more in a semi positive

935
00:45:13,360 --> 00:45:16,160
Speaker 2: way as like, I mean, corporations and big businesses do

936
00:45:16,200 --> 00:45:19,040
Speaker 2: it all the time. Yeah, I mean, there are it

937
00:45:19,120 --> 00:45:22,239
Speaker 2: is there to sort of be a last resort for

938
00:45:22,680 --> 00:45:24,640
Speaker 2: you know, households like this me. My mom was a

939
00:45:24,680 --> 00:45:28,000
Speaker 2: single mom with four kids when she filed bankruptcy for

940
00:45:28,040 --> 00:45:30,360
Speaker 2: the first time she went through a divorce. She was

941
00:45:30,400 --> 00:45:33,640
Speaker 2: earning a decent income, but she just lost an income

942
00:45:33,680 --> 00:45:35,960
Speaker 2: and she was now suddenly a single mom with four

943
00:45:36,040 --> 00:45:39,279
Speaker 2: children and two house payments because you know, she had

944
00:45:39,520 --> 00:45:41,439
Speaker 2: the previous house to pay for, and we were also

945
00:45:41,520 --> 00:45:43,160
Speaker 2: living in a new rental that she had to pay for.

946
00:45:44,080 --> 00:45:46,319
Speaker 2: And for her, it just made the most sense. It

947
00:45:46,360 --> 00:45:50,600
Speaker 2: wasn't as much because she was financially irresponsible. It was

948
00:45:50,680 --> 00:45:53,960
Speaker 2: just like all the circumstances, the financial circumstances were stacked

949
00:45:54,000 --> 00:45:58,279
Speaker 2: against her and so I just wanted to put that.

950
00:45:58,239 --> 00:46:00,279
Speaker 1: In now and to me that you write for that,

951
00:46:00,320 --> 00:46:02,840
Speaker 1: it makes sense. But I think a lot of people

952
00:46:02,880 --> 00:46:06,400
Speaker 1: think that bankruptcy is going to it will fix the

953
00:46:06,520 --> 00:46:09,040
Speaker 1: you know that you currently own, but it won't fix you.

954
00:46:09,160 --> 00:46:11,879
Speaker 1: And that's to me. That to me, that's what I'm

955
00:46:11,880 --> 00:46:13,799
Speaker 1: more worried about. I want to make sure let's get

956
00:46:13,840 --> 00:46:17,400
Speaker 1: you in the mindset and let's get you to develop

957
00:46:17,440 --> 00:46:19,520
Speaker 1: the habit so that way you won't be back here

958
00:46:20,040 --> 00:46:22,759
Speaker 1: and because if not, then you will. I mean, I've

959
00:46:22,800 --> 00:46:25,959
Speaker 1: seen people not necessarily for bankruptcy, but I've seen people who,

960
00:46:26,520 --> 00:46:28,399
Speaker 1: you know, maybe their parent has helped. I had one

961
00:46:28,440 --> 00:46:30,879
Speaker 1: woman she had maxed at all her credit cards when

962
00:46:30,880 --> 00:46:33,520
Speaker 1: she was in college. Her parents helped her out. She

963
00:46:33,640 --> 00:46:36,479
Speaker 1: did it again post college. Her parents mortgaged their house,

964
00:46:36,560 --> 00:46:39,800
Speaker 1: helped her out. She did it again, and they were like, honestly,

965
00:46:39,880 --> 00:46:42,239
Speaker 1: we don't have any more money left. And she it

966
00:46:42,280 --> 00:46:44,160
Speaker 1: took years to dig herself out. She was like, that

967
00:46:44,280 --> 00:46:46,640
Speaker 1: was the best thing I could have happened, because she's like,

968
00:46:46,719 --> 00:46:49,040
Speaker 1: I have not been back since. But because they had,

969
00:46:49,520 --> 00:46:53,840
Speaker 1: they had stepped in and intervened in her learning how

970
00:46:53,880 --> 00:46:57,480
Speaker 1: to fix it herself. She never learned before, And to me,

971
00:46:57,600 --> 00:46:59,560
Speaker 1: that's what I want for Kim is I want you

972
00:46:59,600 --> 00:47:05,000
Speaker 1: to learn learn how to fix yourself, you know, I

973
00:47:05,000 --> 00:47:07,280
Speaker 1: want you to learn so that way if something should

974
00:47:07,280 --> 00:47:10,240
Speaker 1: happen again. I mean the two thousand and nine, honestly

975
00:47:10,280 --> 00:47:13,640
Speaker 1: to two thousand and twelve early twenty thirteen was the

976
00:47:13,680 --> 00:47:17,880
Speaker 1: hardest for me because I'd lost everything financially and I thought, wow,

977
00:47:18,040 --> 00:47:20,520
Speaker 1: there's no way how do I recoup from this? And

978
00:47:20,880 --> 00:47:24,680
Speaker 1: because step by step making every mistake possible, losing my house,

979
00:47:24,760 --> 00:47:27,960
Speaker 1: credit card debt, credit card scam, just everything that you

980
00:47:28,000 --> 00:47:30,640
Speaker 1: can think of. I mean everything you think you could

981
00:47:30,680 --> 00:47:34,600
Speaker 1: think of, Like I had worse credit score. But learning

982
00:47:34,640 --> 00:47:36,640
Speaker 1: and growing from that put me in a position now

983
00:47:36,680 --> 00:47:39,719
Speaker 1: where I feel ready to take on the world. Like

984
00:47:39,760 --> 00:47:42,279
Speaker 1: if anything happens financially, I feel like I can take

985
00:47:42,280 --> 00:47:45,279
Speaker 1: it on. I've I've I've put things in place to

986
00:47:45,360 --> 00:47:47,280
Speaker 1: not fall into the same trap that I did before.

987
00:47:47,400 --> 00:47:49,520
Speaker 1: Same thing camp. I took all the money out of

988
00:47:49,520 --> 00:47:53,200
Speaker 1: my retirement account, every single penny and lost so much

989
00:47:53,200 --> 00:47:57,920
Speaker 1: of it because obviously I'm not sixty five, and you know, but.

990
00:47:57,920 --> 00:47:59,920
Speaker 2: Yeah, a lot of people take out four one Klon's

991
00:48:00,040 --> 00:48:01,439
Speaker 2: It's way more common than we think.

992
00:48:01,560 --> 00:48:03,360
Speaker 1: All right, it wasn't even alone. It was just a

993
00:48:03,480 --> 00:48:04,560
Speaker 1: well you ain't getting.

994
00:48:04,280 --> 00:48:08,600
Speaker 2: This bet ye, It was just tipped over that biggie

995
00:48:08,600 --> 00:48:11,040
Speaker 2: bang exactly and so yeah.

996
00:48:11,080 --> 00:48:13,480
Speaker 1: So for Kim, I would just say, if you've, if you've,

997
00:48:13,600 --> 00:48:15,560
Speaker 1: if you're part of the DreamCatcher group. The best way

998
00:48:15,600 --> 00:48:17,880
Speaker 1: to use the group is to ask a specific question

999
00:48:18,400 --> 00:48:21,040
Speaker 1: because someone there has to answer I'm sure, And two

1000
00:48:21,920 --> 00:48:24,080
Speaker 1: have you signed up for the Liverature Challenge. One of

1001
00:48:24,080 --> 00:48:27,000
Speaker 1: the reasons why I created it is because it walks

1002
00:48:27,040 --> 00:48:31,360
Speaker 1: you through step by step creating that budget, changing your mindset,

1003
00:48:32,120 --> 00:48:35,400
Speaker 1: creating a budget, a debt plan, creating a credit plan like.

1004
00:48:35,440 --> 00:48:38,160
Speaker 1: I created it because so many women came to me

1005
00:48:38,200 --> 00:48:40,399
Speaker 1: with this very question and I thought, well, how can

1006
00:48:40,480 --> 00:48:44,040
Speaker 1: I help everyone without personally getting on the phone, And

1007
00:48:44,080 --> 00:48:47,319
Speaker 1: so I created it. So it's it's literally step by

1008
00:48:47,320 --> 00:48:49,480
Speaker 1: step and email will come to your inbox every day

1009
00:48:49,520 --> 00:48:51,920
Speaker 1: for thirty six days that tells you exactly what to

1010
00:48:51,960 --> 00:48:54,080
Speaker 1: do at nausea. I mean, I have scripts in there

1011
00:48:54,080 --> 00:48:57,759
Speaker 1: to say, call your utility company, say this, you know,

1012
00:48:58,200 --> 00:49:00,680
Speaker 1: and if they say no, say this that they say yes,

1013
00:49:00,719 --> 00:49:03,000
Speaker 1: say this, because I know how hard it can how

1014
00:49:03,040 --> 00:49:05,400
Speaker 1: hard it can be and you need some handholding, so

1015
00:49:05,400 --> 00:49:07,960
Speaker 1: I would suggest that too if you haven't already like

1016
00:49:08,280 --> 00:49:10,440
Speaker 1: it's uh. For those of you who are listening, you're like, well,

1017
00:49:10,440 --> 00:49:14,560
Speaker 1: I need the challenge. It's completely free. It's www dot

1018
00:49:14,800 --> 00:49:18,439
Speaker 1: l RC dot com, l RC fun. I'm sorry l

1019
00:49:18,800 --> 00:49:23,920
Speaker 1: r C like Live Richer Challenge fun fun dot com.

1020
00:49:24,239 --> 00:49:27,200
Speaker 1: And it's my gift because I promised myself that when

1021
00:49:27,239 --> 00:49:29,080
Speaker 1: I dug myself out of the deepest hole that I

1022
00:49:29,120 --> 00:49:31,320
Speaker 1: had ever been in, that I was gonna come back

1023
00:49:31,560 --> 00:49:36,080
Speaker 1: for women in particular and to help women dig themselves out,

1024
00:49:36,200 --> 00:49:38,279
Speaker 1: but for them not to be alone like I felt

1025
00:49:38,280 --> 00:49:40,920
Speaker 1: like I was. But yeah, kim, start with that basic

1026
00:49:40,960 --> 00:49:44,000
Speaker 1: budget and see line item by light at them what

1027
00:49:44,200 --> 00:49:46,799
Speaker 1: changes that you can make. And that's what I would

1028
00:49:46,840 --> 00:49:47,759
Speaker 1: suggest to start with.

1029
00:49:51,040 --> 00:49:56,120
Speaker 2: Hello, brother, I was leaving space, so I can edit

1030
00:49:56,160 --> 00:49:59,319
Speaker 2: that and cut it out right there. Okay, all right,

1031
00:49:59,360 --> 00:50:04,279
Speaker 2: you ready for some wins? Yes, our fifty third episode,

1032
00:50:04,320 --> 00:50:06,920
Speaker 2: our fifty third win. What's your win going to be?

1033
00:50:07,840 --> 00:50:13,040
Speaker 1: My win is really us? I mean sorry, that is

1034
00:50:13,040 --> 00:50:13,560
Speaker 1: that your win?

1035
00:50:14,000 --> 00:50:14,280
Speaker 2: No?

1036
00:50:16,719 --> 00:50:19,520
Speaker 1: I mean it's a year. Like you know, when you

1037
00:50:19,560 --> 00:50:21,400
Speaker 1: came to me with the idea of a podcast, I

1038
00:50:21,480 --> 00:50:23,480
Speaker 1: was like, oh, yeah, you know me, I'm just like okay,

1039
00:50:24,000 --> 00:50:27,600
Speaker 1: But I had not I mean, I didn't have any expectations.

1040
00:50:27,640 --> 00:50:29,680
Speaker 1: I have to say I just thought, well, let's just

1041
00:50:29,719 --> 00:50:33,280
Speaker 1: see what this does and to see how many people

1042
00:50:33,920 --> 00:50:36,920
Speaker 1: we've affected and how many people listen. It's just been

1043
00:50:36,960 --> 00:50:39,799
Speaker 1: an amazing and amazing ride, and just to see how

1044
00:50:39,840 --> 00:50:42,120
Speaker 1: far we've grown. I remember when we took the pictures

1045
00:50:42,120 --> 00:50:43,960
Speaker 1: with Taneta and I'm like, oh, we were so cute.

1046
00:50:44,000 --> 00:50:47,760
Speaker 1: Look at our sneakers in our dresses and like the logo.

1047
00:50:48,520 --> 00:50:50,200
Speaker 1: I look back at some of the old logos that

1048
00:50:50,200 --> 00:50:51,960
Speaker 1: we were looking at, I'm like, what were we thinking?

1049
00:50:54,160 --> 00:50:57,200
Speaker 1: And so I just have to say that it's just

1050
00:50:57,239 --> 00:50:59,600
Speaker 1: been an amazing ride, and I'm glad that you are

1051
00:50:59,680 --> 00:51:02,880
Speaker 1: my partner in crime. And yeah, just even thinking of

1052
00:51:03,000 --> 00:51:05,320
Speaker 1: names for Brown Ambition, it just seems so perfect.

1053
00:51:05,440 --> 00:51:07,920
Speaker 2: I did go through that old list. Maybe in the

1054
00:51:08,000 --> 00:51:09,959
Speaker 2: next week's episode we'll go through some of the names

1055
00:51:09,960 --> 00:51:11,040
Speaker 2: that could have been.

1056
00:51:11,440 --> 00:51:16,040
Speaker 1: I'm not right, the leak, the grind, oh god, no,

1057
00:51:17,080 --> 00:51:19,000
Speaker 1: I know. So yeah. So to me, that's our win.

1058
00:51:19,160 --> 00:51:21,919
Speaker 1: My win is us and Brown Ambition in one year,

1059
00:51:21,960 --> 00:51:24,960
Speaker 1: and the listeners who have supported us, some of you

1060
00:51:25,040 --> 00:51:27,280
Speaker 1: since day one. So just thank you.

1061
00:51:27,360 --> 00:51:30,040
Speaker 2: Oh well, jeez, Louise, give me, make me feel all

1062
00:51:30,040 --> 00:51:35,160
Speaker 2: the feels, let me cry. No, thank you I've had.

1063
00:51:35,280 --> 00:51:37,839
Speaker 2: This is like the best part of my week. Every

1064
00:51:37,840 --> 00:51:39,719
Speaker 2: week is I know it's gonna it's my time to

1065
00:51:39,719 --> 00:51:43,040
Speaker 2: talk to Tiffany and talk about money and finances and

1066
00:51:43,080 --> 00:51:45,839
Speaker 2: the VMAs and Beyonce and like whatever else comes into

1067
00:51:45,840 --> 00:51:48,680
Speaker 2: our mind. And I think it's such a great It's

1068
00:51:48,719 --> 00:51:50,279
Speaker 2: an outlet for me. It feels like I get a

1069
00:51:50,320 --> 00:51:52,200
Speaker 2: lot out of it, the same way listeners get a

1070
00:51:52,200 --> 00:51:54,680
Speaker 2: lot out of it. So I'm just very happy we're

1071
00:51:54,680 --> 00:51:55,360
Speaker 2: making it happen.

1072
00:51:56,160 --> 00:51:56,799
Speaker 1: Yeah, me too.

1073
00:51:57,960 --> 00:52:02,160
Speaker 2: I mean my win was going to be America, okay,

1074
00:52:02,280 --> 00:52:05,960
Speaker 2: because I was feeling very patriotic this weekend. Not only

1075
00:52:06,000 --> 00:52:08,000
Speaker 2: was nine to eleven and I just wanted to like

1076
00:52:08,080 --> 00:52:10,200
Speaker 2: go out and just hug a little old lady or

1077
00:52:10,200 --> 00:52:13,680
Speaker 2: something like that, but also we went and saw Sully,

1078
00:52:13,840 --> 00:52:16,239
Speaker 2: the movie about the guy who added the plane in

1079
00:52:16,280 --> 00:52:19,319
Speaker 2: the Hudson. I know this also puts me in the

1080
00:52:19,320 --> 00:52:22,120
Speaker 2: category of like a senior citizen because like the average

1081
00:52:22,120 --> 00:52:24,960
Speaker 2: age of the viewers for that movie was like fifty five. Really,

1082
00:52:25,200 --> 00:52:27,520
Speaker 2: but I will say because Clint Eastwood direct it. It's

1083
00:52:27,520 --> 00:52:29,400
Speaker 2: a Tom Hanks movie. I mean, come on, it's like

1084
00:52:29,840 --> 00:52:31,719
Speaker 2: old people like this kind of stuff. But it was

1085
00:52:31,800 --> 00:52:34,400
Speaker 2: so good, like I don't know, I feel like the

1086
00:52:34,440 --> 00:52:36,799
Speaker 2: audience clapped after a word, like yeah, we know how

1087
00:52:36,880 --> 00:52:40,440
Speaker 2: the story ends. Everyone survives. It's amazing. But I don't know,

1088
00:52:40,560 --> 00:52:43,240
Speaker 2: just seeing the scenes where you see New Yorkers coming

1089
00:52:43,280 --> 00:52:46,040
Speaker 2: together and pulling the people out of the freezing Hudson

1090
00:52:46,200 --> 00:52:48,520
Speaker 2: when they've been you know, crash landed into the river,

1091
00:52:49,200 --> 00:52:52,280
Speaker 2: and seeing the people on boats and the NYPD scuba

1092
00:52:52,360 --> 00:52:54,840
Speaker 2: people come and save people. I don't know. It just

1093
00:52:54,840 --> 00:52:57,160
Speaker 2: just reminded you how nice people can be and how

1094
00:52:57,200 --> 00:52:59,320
Speaker 2: great it is when we all come together and work together.

1095
00:52:59,360 --> 00:53:01,759
Speaker 2: And I thought it was. I saw it on nine

1096
00:53:01,800 --> 00:53:04,200
Speaker 2: to eleven, so I thought it was. I don't know.

1097
00:53:04,239 --> 00:53:07,080
Speaker 2: It made me feel very just like very americash and patriotic,

1098
00:53:07,160 --> 00:53:09,520
Speaker 2: and just made you want to just give everyone a

1099
00:53:09,600 --> 00:53:12,800
Speaker 2: huge hug and just be nicer than usual.

1100
00:53:13,400 --> 00:53:20,439
Speaker 1: Oh, America, America, this is you ten for the show?

1101
00:53:20,520 --> 00:53:24,480
Speaker 2: Which show is that America's playing some videos?

1102
00:53:24,600 --> 00:53:24,839
Speaker 1: Yeah?

1103
00:53:26,520 --> 00:53:31,879
Speaker 2: I almost didn't get it. Almost saga that was my jam. God,

1104
00:53:31,920 --> 00:53:33,400
Speaker 2: we used to be so easily entertained.

1105
00:53:35,200 --> 00:53:36,560
Speaker 1: Oh, yes, indeed we were.

1106
00:53:36,640 --> 00:53:38,560
Speaker 2: It's a man with a funny voice and videos you

1107
00:53:38,600 --> 00:53:41,000
Speaker 2: can watch on YouTube exactly.

1108
00:53:41,120 --> 00:53:42,840
Speaker 1: He was the original YouTube We.

1109
00:53:42,680 --> 00:53:43,680
Speaker 2: Were basic.

1110
00:53:45,000 --> 00:53:45,160
Speaker 1: Man.

1111
00:53:45,760 --> 00:53:48,959
Speaker 2: All right, Well, on our first anniversary. Love you much,

1112
00:53:49,040 --> 00:53:51,960
Speaker 2: miss Tiffany. Thank you so much for making Drown Ambitions.

1113
00:53:53,320 --> 00:53:55,480
Speaker 1: I love you much too, Mandy, and I can't wait

1114
00:53:55,680 --> 00:53:57,040
Speaker 1: to see. I don't know if we'll be able to

1115
00:53:57,040 --> 00:53:59,440
Speaker 1: make it to to your wedding since it's like.

1116
00:53:59,360 --> 00:54:02,200
Speaker 2: You know, not Friday. What are you talking about.

1117
00:54:02,800 --> 00:54:04,040
Speaker 1: Oh, yeah, we'll see.

1118
00:54:05,480 --> 00:54:08,160
Speaker 2: I'll see you on Friday. I'll see our Lucky five

1119
00:54:08,719 --> 00:54:11,879
Speaker 2: Brand Ambition listeners on Friday for a delicious anniversary meal.

1120
00:54:12,040 --> 00:54:14,680
Speaker 2: Some candle light, some cynria. You don't know what's gonna happen,

1121
00:54:17,880 --> 00:54:18,600
Speaker 2: all right, y'all.

1122
00:54:18,680 --> 00:54:28,440
Speaker 1: We will talk to you next week.