Speaker 1: And we're back.
Speaker 2: So this is Brown Ambition, Right, We're trying to be
Speaker 2: more mature and actually name the podcast before we start
Speaker 2: to start talking.
Speaker 3: Right, this is Brian Ambition. Welcome. We will be your
Speaker 3: host today and every day.
Speaker 1: All right.
Speaker 3: I am Tiffany and this is Mandy.
Speaker 1: So we have a lot to talk about.
Speaker 2: I feel like we should start with a good.
Speaker 3: I could use some good news. What do you what
Speaker 3: do you have?
Speaker 1: Well?
Speaker 2: I just came back from essence Fest and it was amazing.
Speaker 3: Everybody was at essence Fest book but me, I feel
Speaker 3: like I had severe fomo.
Speaker 1: It was honestly, like like severe, It was just.
Speaker 2: It was just I don't know, all all good black things,
Speaker 2: like everything from like the best food OMG.
Speaker 1: Like oh, I just love my people and some food
Speaker 1: we know how to throw down. I was like, dang,
Speaker 1: New Orleans. Honestly ten pounds. I guess.
Speaker 3: I love New Orleans and what.
Speaker 1: I love about people is there every year? Yeah, it's
Speaker 1: there every year.
Speaker 3: Okay, good because why be anywhere else exactly?
Speaker 1: And there's just so so much soul in the city.
Speaker 2: Because what I really loved about New Orleans and the
Speaker 2: people there is that like they take so much pride,
Speaker 2: especially in their food. I mean, you can't ask anybody
Speaker 2: where to eat without getting like ten suggestions or specific things.
Speaker 1: They're like, oh, for.
Speaker 2: Oysters, you need to go here, but if you want
Speaker 2: five chicken, you need to go here.
Speaker 1: But if you want.
Speaker 2: And so the food was amazing, the like the empowerment
Speaker 2: sessions were awesome. The convention center, I was like, I've
Speaker 2: never seen like literally some companies. It's like it's like
Speaker 2: they tore down the building and rebuilt it in the
Speaker 2: convention Center, like they're they're they call them, I guess
Speaker 2: activations like their booze. Like I can't even call them
Speaker 2: a boost. I feel like to call them booze would
Speaker 2: be like disrespectful.
Speaker 3: Can you just real quick, just for me and everybody else,
Speaker 3: just what is Essence Fest?
Speaker 2: And like a nutshell, So Essence Fest is a music
Speaker 2: festival and a mixture of like empowerment and entertainment. So
Speaker 2: half of it is like this awesome music festival that's
Speaker 2: three nights and all these big acts, and then the
Speaker 2: other half are all these empowerment.
Speaker 1: Like workshops and stuff. It's specifically geared toward women.
Speaker 2: Of color, right, and it is awesome because you have
Speaker 2: like every brand that has anything to sell toward women
Speaker 2: of color that are there, And honestly, it's just awesome, noness.
Speaker 1: It's just like one big party for three days or
Speaker 1: four days, three nights.
Speaker 3: Yeah. I always thought it was music, but then after
Speaker 3: like knowing people like you that have been going there,
Speaker 3: I thought, what is it at a conference? Is it
Speaker 3: like soul sessions? What's happening? And I saw this this
Speaker 3: year seem like I don't know if I've just followed
Speaker 3: more people who were going this year, but I feel
Speaker 3: like this year was bigger than any other year in
Speaker 3: the past.
Speaker 2: Yeah, they had a lot of news, so this is
Speaker 2: the first year they did like money and power like that.
Speaker 2: They had like a special stage for it because Yeah,
Speaker 2: so that was really cool because they're starting to understand that,
Speaker 2: like we need to talk about personal finance and entrepreneurship
Speaker 2: and ways to make money.
Speaker 1: So that was new.
Speaker 3: We had some of our friends, Patrese Washington, it's been
Speaker 3: on the podcast.
Speaker 2: She was there, Tanya of my Fab Finance, Marsha of
Speaker 2: the Finance Bar.
Speaker 1: So it was like squad was so in the building.
Speaker 3: Len Calforn wasn't Lynette there?
Speaker 2: Yes, And I totally missed that. I was like, Lynette,
Speaker 2: whey are we disconnecting? Yes, Lynnette was there killing it
Speaker 2: as usual. She's a regular at Essence honestly, right yea,
Speaker 2: she should be right exactly.
Speaker 1: She's like the fairy godmother of all that we do.
Speaker 3: If you're new to the show we talked, you should
Speaker 3: definitely go back and check out our interviews with Lynette
Speaker 3: with Patrese on the podcast. We got to have Tanya
Speaker 3: and Marsha on Someday.
Speaker 2: I was thinking that when I just said their name.
Speaker 2: So I was really fortunate. And then so for the
Speaker 2: last three years I've been wanting to speak at Essence Fest,
Speaker 2: and my Papa says, Drina has been like pitching me,
Speaker 2: but it just has not been a fit. And then
Speaker 2: this year Essence reached out to her. They were like,
Speaker 2: you know, I think we'd like to have Tiffany this year.
Speaker 2: You think she'd be interested. Rina's like, I can speak
Speaker 2: for both of us.
Speaker 3: Hell, yeah, let me take my schedule.
Speaker 1: Yes exactly. I'm like, oh, the birth of the baby. Sorry,
Speaker 1: I'll be Essence No.
Speaker 2: And so it was awesome because one I got to
Speaker 2: do cut a keynote at the on the Money and
Speaker 2: Power stage, and then Prudential hired me to do a
Speaker 2: panel and like two panels, and then Ford came through
Speaker 2: and hired me to do a panel.
Speaker 1: So it just was awesome and awesome every day.
Speaker 2: I spoke every day, and so it was great to
Speaker 2: see the different crowds and to like speak to the
Speaker 2: kind of different audiences every day. So I went from
Speaker 2: like no essence to like essence overload.
Speaker 1: And my sisters came, which was so fun, that's right cool.
Speaker 2: Yeah, it was because the essence gives you, like, you know,
Speaker 2: like passes to like the concerts and this and that.
Speaker 2: So it was just fun to be able to like,
Speaker 2: here's VIP for you. There's a little VIP for you.
Speaker 2: So yeah, it was just awesome. Honestly, it was like
Speaker 2: is this how the other half lives? Because you know,
Speaker 2: I'm just a regular girl. So usually when I go
Speaker 2: to a concert, I'm in the newsweed just like everybody else.
Speaker 2: So to get like floor tickets and you're like they're
Speaker 2: like escorting you to the stage, You're like, wait, the
Speaker 2: first day, I didn't even know how to use the
Speaker 2: VIP ticket. I just I'm just so used to being like,
Speaker 2: you know whatever, enjoying like regular everyday life at a
Speaker 2: conference and someone was like, why are you in front?
Speaker 1: You know you can go backstage and you can go here,
Speaker 1: And I'm like, I can't.
Speaker 2: Get the snacks I know, right, you know that's the
Speaker 2: first thing I don't even drink. But I was like,
Speaker 2: I'll take a Shirley Temple, which is really just soda
Speaker 2: and like red syrup.
Speaker 3: How many? How many goodies ended up in your bag?
Speaker 3: Tell the truth?
Speaker 2: Honestly, we left half of them for like the woman
Speaker 2: that like took care of our room, because I was
Speaker 2: just like, I just don't need any more any more things, yes,
Speaker 2: and because a lot of it didn't really apply to me,
Speaker 2: so it was like hair stuff that like that didn't
Speaker 2: apply to my kind of hair, and so yeah. So
Speaker 2: but just honestly, the biggest and best part of Essence
Speaker 2: was Oprah Lady Oh for the first time spoken Essence
Speaker 2: Fest and I got floor tickets three rows away.
Speaker 1: I could have given her a high five.
Speaker 3: Oh my god, what did she smell?
Speaker 2: Like?
Speaker 1: Ah? She just was like I could just see.
Speaker 2: I was like, this is why, Like there was a
Speaker 2: light that shone on Oprah and she just said exactly
Speaker 2: what I think. We all needed to hear, which is
Speaker 2: that to make sure that you were actually living what
Speaker 2: your purpose is, what your passion is, and not what
Speaker 2: someone has has picked out for you. And when you
Speaker 2: do that, you'll be amazed at the door set opened.
Speaker 2: Like that was her core messaging.
Speaker 3: Meanwhile, I was strung up on a on a light
Speaker 3: pole at a rope's course in the mountains all weekend.
Speaker 1: I saw the pictures. Was it glamping? Was it really glamping?
Speaker 3: Or did you really just it's so far removed from camping.
Speaker 3: It was like, we rented this beautiful ski shallotte, like
Speaker 3: a little cottage that looked like a legitimately looked like
Speaker 3: a gender cake house, like I could have put icing
Speaker 3: on it and taking a bite. It was so adorable,
Speaker 3: and it was just it was ten of my friends
Speaker 3: and we do it every year. But yeah, one of
Speaker 3: my friends had a hookup one of his, one of
Speaker 3: his friends owns a house and it's on air and
Speaker 3: bb for like two hundred something dollars a night, but
Speaker 3: she gave it to us half off, so it ended
Speaker 3: up being like the whole weekend all together. I think
Speaker 3: between ten people it was two hundred bucks each. Awesome
Speaker 3: food because we always cook together, we go maybe we
Speaker 3: make one big Walmart trip, and then we we each
Speaker 3: take a night. So they were happened to be couples,
Speaker 3: so each couple took a night to cook and we
Speaker 3: split it up and it was it was it was nice.
Speaker 3: But so on Saturday, we always tried to do one
Speaker 3: crazy excursion and we never ever plan it beforehand because
Speaker 3: we're just not it's like a miracle that we even
Speaker 3: get together at the house, so we don't really we're
Speaker 3: bad at planning. So it's always something. And we went
Speaker 3: back and forth, are we gonna go there's a lot
Speaker 3: to do in the Poconots. Are we gonna go to
Speaker 3: a water park? Are we gonna go roller coastering? Or
Speaker 3: like whatever? And finally my friends found this adventure course
Speaker 3: which was it's called Treetop Adventures, and it's like I
Speaker 3: thought in my head, I was like, oh, that it'd
Speaker 3: be neat, and then when we got there, I was like, oh,
Speaker 3: that'll be five courses that take nearly five hours to complete,
Speaker 3: and you are doing the most ridiculous things like jumping
Speaker 3: off of like heights as high as like three telephone poles.
Speaker 3: You're climbing trees, your you're tarzan roping onto nets and
Speaker 3: like you're swinging from swing to swing, and it was
Speaker 3: like the most challenging thing I've ever done. All of us,
Speaker 3: like halfway through we were like, what.
Speaker 1: Who made this choice?
Speaker 3: Why it was only fifty bucks each? And I just
Speaker 3: looked at my friend Brian because he was pushing hard
Speaker 3: for the water park. He's like a big he's a
Speaker 3: big he's a big kid. And I was like, Brian,
Speaker 3: I'm so sorry. And you could hear the screams of
Speaker 3: joy from the water park because it's in the same
Speaker 3: like the same area.
Speaker 1: Sounds amazing, Yeah, sounds great. Yeah no, but you guys
Speaker 1: looked like you had fun. I saw pictures. It was.
Speaker 3: It was really fun. And you know, they get me
Speaker 3: to do crazy stuff every year. Oh, I didn't even
Speaker 3: mention that morning we had the bright idea to do
Speaker 3: a five k run. Oh my gosh, because half of
Speaker 3: the group is training for the New York City Triathlon okay,
Speaker 3: and I was like sure, I've done a half marathon
Speaker 3: over a year ago. So we did a five k
Speaker 3: that morning and then a five hour wow. Needless to say,
Speaker 3: on actual fourth of July, we did not go anywhere
Speaker 3: we did not do anything. We saw not one firework,
Speaker 3: just sat around the house and I.
Speaker 2: Can't imagine your body was like, so we're just gonna.
Speaker 1: Relax right now.
Speaker 3: So whole different world from the glamour of Oprah and
Speaker 3: your face on billboards.
Speaker 1: Honestly, I have not even processed.
Speaker 2: I have not I need to like go to the
Speaker 2: park and like lay and look at the sky and
Speaker 2: just like let it soak in, like that this amazing
Speaker 2: weekend actually happen in real life.
Speaker 1: Like, yeah, honestly, I just need to.
Speaker 2: It's just it's been hard because I got back and
Speaker 2: it's been busy, and then like all the foolishness was like,
Speaker 2: you know, the killings started and I just.
Speaker 3: Oh, we're here now, okay, Yeah, it's been yeah, you know,
Speaker 3: I actually got into a So the killings obviously, well
Speaker 3: as of yesterday it was just one and then last
Speaker 3: night there was another two more black men senselessly violently killed,
Speaker 3: and yeah, I don't I don't know what to say.
Speaker 3: I texted a couple of my friends. We have a
Speaker 3: group text going, and I like I texted something, you know,
Speaker 3: kind of joking, just to sort of break the tension
Speaker 3: in the group text. And then my friend was like
Speaker 3: chewed me out a little bit. She's like, I can't
Speaker 3: believe we're joking at a time like this, and we
Speaker 3: had to, like we were texting back and forth, and
Speaker 3: I could tell she is she was she was lashing out,
Speaker 3: but she was, you know, frustrated and angry, and I
Speaker 3: was I could just feel her stress, and I was like,
Speaker 3: you know, I feel like you have to sort of
Speaker 3: take a step away and take care of your mental
Speaker 3: health a little bit. And all this stuff happens, and
Speaker 3: it's hard to do when you feel like you want
Speaker 3: to talk about it but it's so painful and you
Speaker 3: kind of just talk yourself in circles and don't know
Speaker 3: what to do.
Speaker 1: Yeah, it just.
Speaker 2: I don't know, like to I didn't even watch like
Speaker 2: of course, you know, like little clips have like I've
Speaker 2: seen little clips, but not kind of purposefully as they
Speaker 2: like came across my timeline on social media.
Speaker 1: But I'm like, I don't want to watch the video of.
Speaker 2: Them murdering, like you know, I just and just like
Speaker 2: I did see the video of the press conference. I
Speaker 2: did see the video of the press conference where like
Speaker 2: the first gentleman, mister Sterling, right, is that his last name.
Speaker 3: I know his first name is Alton because that's my
Speaker 3: dad's first name.
Speaker 2: So I did see the video where his son at
Speaker 2: the press conference just like an rightfully so obviously breaks down.
Speaker 1: Yeah, and that was like, oh my gosh, because what
Speaker 1: do you even Yeah, what do you even say?
Speaker 3: I mean, if that were my dad, and you know
Speaker 3: my dad, I don't. I've always wanted to have this
Speaker 3: conversation with him, and I haven't yet. But my dad
Speaker 3: is like, and I mean, you probably relate to my
Speaker 3: dad's dark skinned. He's six, I don't know, six one,
Speaker 3: six two. He's not a small man, especially before so
Speaker 3: he had gastric bypass surgery and before that he was
Speaker 3: like close to four hundred pounds, So he's tall. He's big,
Speaker 3: you know. And he drives around Atlanta all the time,
Speaker 3: and I always I should ask him, like it's it's
Speaker 3: a miracle. He's never been pulled over for anything. All
Speaker 3: he says is like his driving is perfect, so he
Speaker 3: would never get pulled over. But one of the things
Speaker 3: I did notice about my dad, especially over the last
Speaker 3: over the last few years, when everyone has sort of
Speaker 3: been hyper vigilant of like violence, police violence against black
Speaker 3: men and black women. Is how nice he is to everybody.
Speaker 3: How when he watch in a room, the first saying
Speaker 3: he does is talk to everybody, Hey, how you do
Speaker 3: and how you doing, ma'am, how you doing, sir? And
Speaker 3: I feel like when he's doing that, it's almost a
Speaker 3: survival thing. It's like, I'm a human, I'm a person.
Speaker 3: I'm not here to hurt you don't don't be intimidated
Speaker 3: by me. I'm a nice guy.
Speaker 2: My friend Mark does that, he said, unconsciously, so because
Speaker 2: Mark the same thing. It's dark skinned, six one six
Speaker 2: two to something, big guy, you know, not huge, but
Speaker 2: like you know, so, he says, honestly, Tiffany, That's one
Speaker 2: of the things that my dad taught me is that
Speaker 2: like when you enter a room or situation to make
Speaker 2: yourself known as friendly, which is so crazy.
Speaker 1: I you know, I don't think about that.
Speaker 3: Hell know I you know, I really I we have
Speaker 3: the ability to or I have the ability to, you know,
Speaker 3: be rude or ignore people or just walk in and
Speaker 3: not you know, just beating myself and not have to
Speaker 3: think about that kind of thing.
Speaker 1: Yeah.
Speaker 2: I mean, I've been told I have resting bitch face.
Speaker 2: I'm like I'm sure I do, because my natural face
Speaker 2: is like, you know, like course I'm a happy person,
Speaker 2: but if I'm not purposefully smiling, it's just kind of
Speaker 2: like whatever and so to, And I don't think about it,
Speaker 2: but like I can remember distinctly, like when Superman had
Speaker 2: had the he had aneurysm surgery, and he or he
Speaker 2: was supposed to have anneurism surgery, and he had to
Speaker 2: just get a note from his doctor saying I'm legitimately
Speaker 2: out of work because I have this life threatening thing
Speaker 2: in my head.
Speaker 1: And the doctor wasn't there.
Speaker 2: It was like he was on vacation and he had
Speaker 2: like some junior doctor there who like apparently was not
Speaker 2: blessed with common sense. So I'm telling her, like, okay,
Speaker 2: you know, here's the note from the hospital. We just
Speaker 2: need a note. But the hospital can't give us extended
Speaker 2: time or whatever. You have to just write a note saying, yeah,
Speaker 2: he's not just goofing off, you know, he just might die,
Speaker 2: so he can't come to work for a few days
Speaker 2: until after the surgery. Then after the surgery they give
Speaker 2: you some other special notes. So anyway, we're in there
Speaker 2: and he's like the woman was just being so difficult
Speaker 2: and dream like Superman look like he wanted to pass
Speaker 2: out because he was in so much pain.
Speaker 1: And I'm just like, so I'm talking.
Speaker 2: To her and like I'm getting sassy and that's not
Speaker 2: normally my nature. But by then I'm frustrated because I'm
Speaker 2: advocating for him. I'm like, I'm not understand Like, sure,
Speaker 2: if you understand what I what I'm saying, I'm not
Speaker 2: really We're out sixteen.
Speaker 1: Saying hey, can you write me a note so I don't.
Speaker 2: Have to go to school, Like here's an aneurysm that's
Speaker 2: like life or death. Can we just have a note
Speaker 2: saying that he doesn't have to go to work tomorrow
Speaker 2: so we can go see the neurologist. I don't understand
Speaker 2: what's so difficult about that?
Speaker 1: And so he got up.
Speaker 2: I guess to confront her too, and I took a
Speaker 2: look at him, and I thought to myself, like, Superman
Speaker 2: is six six, like super Chocolate. He's not big as
Speaker 2: far as like wide and like you know, cause he's
Speaker 2: a little bit on the slim side, but he looks
Speaker 2: like okay. And I just looked and I saw her
Speaker 2: face and I said, go sit down because she and
Speaker 2: I can get sassy together. I you know, cause I
Speaker 2: could see her ten s up like oh my god,
Speaker 2: oh my god. Oh got like when I was getting
Speaker 2: sassy with her, she was just like what her But
Speaker 2: I can see her look like, oh my god, it's
Speaker 2: about to be a problem. And I thought to myself, Wow,
Speaker 2: he couldn't even legitimately like advocate for himself and express
Speaker 2: frustration without it being like a true problem. I mean,
Speaker 2: eventually she gave us, like, you know, the note. But
Speaker 2: that's because you know, just me just kind of like,
Speaker 2: you know, just laying into her. But I just thought
Speaker 2: to myself, Dang, if I wasn't here, what would he do?
Speaker 2: They probably would have called the police escorted him out.
Speaker 1: You know. It's just so frustrating because.
Speaker 2: It just and you know, I was just thinking to myself, like,
Speaker 2: you know, because I grew up in a white neighborhood,
Speaker 2: you know, some of my most of my friends on
Speaker 2: Facebook are fairly silent, like my white friends are fairly silent.
Speaker 2: And you know, because everybody would love to tell you
Speaker 2: that like, oh, things are better. I don't know why
Speaker 2: people complain, but I think to myself, like, Okay, if
Speaker 2: things are better, is that a big deal.
Speaker 1: Would you like to trade and be black?
Speaker 2: Meaning you could keep the same intellect, keep the same job,
Speaker 2: keep the same family, but you're just black and you
Speaker 2: get to live the black experience in America? Like it
Speaker 2: things like you know, like who exactly who would want
Speaker 2: to change? Because you know you wouldn't want to, So
Speaker 2: knowing that, don't pretend like it's not anything. You know,
Speaker 2: just because you know you wouldn't want to trade. And
Speaker 2: I'm not saying you'd have to like give up your lifestyle,
Speaker 2: none of that. You can keep the same lifestyle, but
Speaker 2: you would just have to live the black experience. You
Speaker 2: wouldn't want to because you know something's not right, And
Speaker 2: to pretend that it's otherwise, to me, it's criminal.
Speaker 1: And it's just it's just so.
Speaker 2: Frustrating because I just see too much and I'm and
Speaker 2: you know, as a woman, I don't get nearly as
Speaker 2: much as like what men get. And I just it
Speaker 2: makes me afraid, like what if me and Superman have
Speaker 2: a son?
Speaker 1: Then what that's you know?
Speaker 3: I've read interviews from parents and how they talk, how
Speaker 3: they and there is a good article I think by
Speaker 3: Nicole Hannah Jones and in the Times about how she
Speaker 3: talks about maybe I'm getting the right or wrong, but yeah,
Speaker 3: about how you talk to your son and your and
Speaker 3: your child. But you know the two men who passed away,
Speaker 3: So Alton Sterling was the first, and then Philando Castile.
Speaker 3: I was reading an interview with his mom that she
Speaker 3: gave to CNN and she's like, I know my son,
Speaker 3: I've warned him about this. He knows not to talk
Speaker 3: back to police. We have a whole system of how
Speaker 3: we cooperate. And even that wasn't enough. You know, he
Speaker 3: didn't do anything wrong. And at that point you just
Speaker 3: it's like what.
Speaker 2: You know, Yeah, because that's the scared only so much
Speaker 2: you can do. Because it's like your your youth won't
Speaker 2: save you. To Meer Vice was twelve twelve years ol't
Speaker 2: playing in the park.
Speaker 1: By himself a baby.
Speaker 2: I mean, your education won't save you, right, your sex
Speaker 2: won't save you being a woman. Look at Sandra blind
Speaker 2: like it's like you're all the things they tell you.
Speaker 2: Your behavior is not going to save you.
Speaker 1: Remember the gentleman that was.
Speaker 2: Actually in Walmart buying a firearm like that actually is
Speaker 2: sold at Walmart and the police came upon him and
Speaker 2: killed him. I just I just don't even so for you, like, well,
Speaker 2: if only so, what happens when someone shoots you in
Speaker 2: the back, what could I have done differently? And like
Speaker 2: just exactly. And that's the part that's scary is that
Speaker 2: you can make excuse after excuse after excuse.
Speaker 1: But if if that young man.
Speaker 2: Who shot up the police there was I forget his name,
Speaker 2: that he shot up the movie theater doing like the
Speaker 2: Batman premiere, shot and.
Speaker 1: Killed people while wearing a costume, can be escorted out
Speaker 1: and make it alive into the car and into the precinct.
Speaker 1: Like that's just crazy to me.
Speaker 2: You don't see that that other young man who raped
Speaker 2: a woman behind in a dumpster, And it's only because
Speaker 2: like these two young men happened to walk by and
Speaker 2: throw him off of her and hold him down for
Speaker 2: the police to come.
Speaker 1: And they don't want to.
Speaker 2: Put him in jail because it would affect his future.
Speaker 2: Like what kind of world do you live in where
Speaker 2: you look at that and you don't think to yourself,
Speaker 2: something's not right, you know, Like it's just that's why
Speaker 2: I just said I had a sad nap today, because
Speaker 2: it's just when I'm so exhausted that I can't even
Speaker 2: stay up because it's like, well, what do you do?
Speaker 2: Does it take for people to riot? Does it take
Speaker 2: for people to start burning things down?
Speaker 1: Is that I hope not?
Speaker 3: You know that already didn't It didn't help in Freddie
Speaker 3: Gray's case exactly.
Speaker 1: That's what I'm saying, Like, what.
Speaker 3: That didn't It didn't help? Does er Gardner? Doesn't help?
Speaker 3: Doesn't help? Nothing helps, you know, the most. The most
Speaker 3: you can do is contact your local representative and tell
Speaker 3: them it's not okay. Hold them accountable. That's the most
Speaker 3: we can do. That's probably the most effective thing you
Speaker 3: do because when their jobs on the line, when they
Speaker 3: may not get re elected because enough of their constituents
Speaker 3: are outraged, you know, I think that's the only thing
Speaker 3: you can do, really and I feel like that's what
Speaker 3: so many young people don't do, unfortunately, and very unfortunately,
Speaker 3: because that's one thing that could have some impact.
Speaker 2: Maybe because people don't feel like that's going to make
Speaker 2: an impact because it's like, you know, you have lobbyists,
Speaker 2: you've got corporations with money. It doesn't seem like your
Speaker 2: voice would be heard even if you're like, well, you're
Speaker 2: not going to be elected because everybody has so many
Speaker 2: interests that they have to cater to, and it's like,
Speaker 2: when does your interests, you know, get finally get looked at.
Speaker 3: You know, this isn't like the gun debate where there's
Speaker 3: clear for profit businesses at on the other side of
Speaker 3: this and trade associations with the NRA fighting against this.
Speaker 3: This is like how police officers are trained, this is
Speaker 3: how they're armed. This is the way America polices. You know,
Speaker 3: the fact that we have to pull over, get pulled
Speaker 3: over for a broken tail light, Like, isn't technology good enough?
Speaker 3: You can you can take a picture of what's the
Speaker 3: red light camera and get a ticket in the mail.
Speaker 3: Why not limit the contact police have with people in
Speaker 3: cars and just you know, take a picture, take a
Speaker 3: license plate, send them, send them a ticket in the
Speaker 3: mail the next week. You know, why have to Why
Speaker 3: even put yourself in a position where you might, you know,
Speaker 3: do something like that to a person, have that confrontation.
Speaker 3: I mean, I'm no criminal justice expert, but I think
Speaker 3: that's where it starts in how we police and that
Speaker 3: kind of stuff comes from the top, that comes to
Speaker 3: the Department of Justice and the state's Attorney General's office,
Speaker 3: and you know, I was glad to see at least
Speaker 3: the DJ is investigating the Alton Sterling murder, which happened first.
Speaker 3: And I haven't heard anything about Filando Castile, but the
Speaker 3: governor he was from Saint Paul, Minnesota. The governor in
Speaker 3: Minnesota at a press conference said, you know, would this
Speaker 3: have happened if he had been white? I don't think so.
Speaker 2: Yeah, but I feel like I've heard that, we've seen
Speaker 2: the videos, and yet no conviction, no conviction, no conviction.
Speaker 1: I guess it's just so frustrating.
Speaker 3: The convention of the conviction. I mean, I don't even
Speaker 3: know if it's still happening just because people aren't getting convicted.
Speaker 3: I think it's happening because people are poorly trained. I
Speaker 3: was reading that CNN story. It was like, oh, the
Speaker 3: Alton murder. They were like, oh, one officer was a
Speaker 3: three year veteran, a four and the other one was
Speaker 3: a four year veteran of the police force. That's not
Speaker 3: a veteran. Yeah, three years on the job, you're still
Speaker 3: a rookie.
Speaker 2: Yeah, But in any job, like year three of teaching,
Speaker 2: I was still like, so, what do these kids need
Speaker 2: to learn?
Speaker 1: Again, that doesn't make you a veteran.
Speaker 3: Yeah, and then you know my and just real quick
Speaker 3: and my fiance's brother, my age actually has been a
Speaker 3: police officer. He just graduated from the police academy in DC,
Speaker 3: and I worry about him too. You know when when
Speaker 3: you and you think about the police officers out there
Speaker 3: who are doing good work or you know, and after
Speaker 3: incidence is like this, people might try and lash out
Speaker 3: at the first cop they see, and you worry about
Speaker 3: them too. And it's just that's why I'm saying, please
Speaker 3: no violence, please, no, no, no, no physical violence. I
Speaker 3: don't think that's necessary.
Speaker 2: Yeah, because I mean Superman, honestly, he wanted to be
Speaker 2: a police officer. He like went, you know, filled out
Speaker 2: all the paperwork. But he his past is a little
Speaker 2: bit too spotty.
Speaker 3: We're just gonna call him put him on blast.
Speaker 2: Like he was a wild boy in his teens, and
Speaker 2: he was like, I didn't think that they were going
Speaker 2: to look at all that. I was like, well, let's
Speaker 2: just be happy that you're in a good place right now.
Speaker 3: Yeah, they might look at that.
Speaker 2: So I mean, so I'm definitely not here to bash,
Speaker 2: you know, because that could have easily been you know, Superman,
Speaker 2: had he had it worked out for him.
Speaker 1: He really really wanted to be a police officer.
Speaker 3: It's a disservice to police to these young men. These men,
Speaker 3: these police officers weren't that old either, and they're gonna
Speaker 3: have to live with this for the rest of their
Speaker 3: life and their training. I don't think that they may
Speaker 3: not they're probably not evil people, you know, they probably
Speaker 3: just have terrible training. The fact that they would pull
Speaker 3: a weapon like that and shoot someone like that, they're
Speaker 3: poorly trained.
Speaker 2: And you know, well, I disagree about being not evil people,
Speaker 2: because I just saw a clip of it and I
Speaker 2: was like, so you have him down, you actually take
Speaker 2: the gun out, put it to his chest and pull
Speaker 2: it and magically your body camp Oh, they fell out
Speaker 2: in the scuffle and magically the video from the from
Speaker 2: the story is gone.
Speaker 1: Like you know what I mean? Like whatever?
Speaker 2: Like I that part, I'm like, I don't you know.
Speaker 2: Poorly trained, yes, but also poor in character yes, and integrity. Yes,
Speaker 2: you killed somebody. And I haven't heard anybody own up
Speaker 2: and be like you know what, I'm so sorry for
Speaker 2: You know, none of these people, even if you didn't
Speaker 2: think you were at fault, you still killed somebody. If
Speaker 2: I get to a car accident and I hit somebody's car.
Speaker 1: It's my fault.
Speaker 2: I'm still like, you know what my bad Like, honestly,
Speaker 2: I'm sorry. You know, let's figure out what's what the
Speaker 2: next stepsode. You never hear that, You never hear the
Speaker 2: regardless of what happened, someone's life is, it's been taken
Speaker 2: and their family will never be the same.
Speaker 1: And so to me, I'm just like whatever.
Speaker 2: I mean, Like, I don't even know what special place
Speaker 2: in hell there are for people who take someone's life
Speaker 2: and then show no remorse.
Speaker 1: But I hope wherever that is they go there. That's
Speaker 1: just my two cents, Tiffany.
Speaker 3: I guess that's where you say, let the Lord deal
Speaker 3: with them, if you believe in that. I don't know what.
Speaker 3: I don't know what I believe in. I do know
Speaker 3: that these police officers, police commissioners are elected. They and
Speaker 3: I think that in a lot of cases it's not
Speaker 3: you know, even if a person does want to apologize,
Speaker 3: they're probably being told, hey, don't admit fault by their lawyer,
Speaker 3: by their bosses, by people who are elected above them.
Speaker 3: Don't admit fault because it makes us look bad.
Speaker 1: Whatever.
Speaker 3: There's so many different layers.
Speaker 2: That's why I said that's still an integrity issue, because
Speaker 2: you're right, maybe that's so, But ultimately, you're a human being.
Speaker 2: And if you can't say I'm not saying that, if
Speaker 2: you don't feel your fault. But still someone is dead,
Speaker 2: Like when I saw that fifteen year old boy break down,
Speaker 2: his life will never ever ever be in the same.
Speaker 2: He will always know that his father's death has been
Speaker 2: recorded for the world to watch over and over again.
Speaker 2: How is he supposed to, like, what does life look
Speaker 2: like for him in ten fifteen years? How is he
Speaker 2: supposed to move on and be like, Okay, Like I
Speaker 2: can have a normal childhood and normal adulthood. How when
Speaker 2: I can watch my father's death at any moment in
Speaker 2: time on.
Speaker 1: YouTube, I don't even know, Like what do you do
Speaker 1: with that? You know?
Speaker 2: How sometimes something so tragic happens and you can't even process.
Speaker 2: How can someone process that and move on to live
Speaker 2: a productive life?
Speaker 1: How? You know? And so ultimately I think people, you
Speaker 1: know what it is.
Speaker 2: I just think people are disconnected and that they don't
Speaker 2: they don't. It's like you're not connected to people who
Speaker 2: are not like you, you know, and.
Speaker 3: You don't have a black father or black brother or
Speaker 3: black friend. It's hard. It's the same reason we don't
Speaker 3: care when you know, there was just an article about
Speaker 3: all these bombings and violence and bagdad over the last week,
Speaker 3: three hundred deaths, something like that, and no one's changing
Speaker 3: their profile picture, no one's you know, saying, you know,
Speaker 3: sharing their sympathy for the victims and that. I think
Speaker 3: that's another issue, is if you don't have people who
Speaker 3: are there or skin in the game, then you won't care.
Speaker 3: And that's another sad I think that's another sad symptom
Speaker 3: of just not having a diverse enough network social circle.
Speaker 3: Seeing why you're comfortable.
Speaker 2: Yeah, okay, so I think I am.
Speaker 1: I think I know what my brown break is.
Speaker 3: Well, I'll tell you what I did today that made
Speaker 3: me feel a teeny weensy bit better.
Speaker 1: Okay.
Speaker 3: I followed the hashtag care for You Black Kids two
Speaker 3: K sixteen. Okay, have you followed this hashtag? It's literally
Speaker 3: just nothing but vines of like happy black children doing
Speaker 3: things like singing sound of music and doing cartwheels and
Speaker 3: dancing and like little cute kids with pigtails. I don't know.
Speaker 3: I felt a little bit better after seeing.
Speaker 2: That Okay, I'm gonna look at that because I'm like, okay,
Speaker 2: I need you know, that would be great to be
Speaker 2: able to just watch.
Speaker 1: Because that's one thing I used to always say that
Speaker 1: like would always make me.
Speaker 2: Like just always kind of get on my nerves when
Speaker 2: people reported, like from from places that were considered dangerous
Speaker 2: or like you know, from a Newark or an Oakland
Speaker 2: or Detroit, that they all they ever showed was the
Speaker 2: bad side. And I would always think to myself, especially
Speaker 2: since I was working in Newark, like they would be like,
Speaker 2: you know, a shooting maybe the day before, but yet
Speaker 2: me and the kids would go out and go to
Speaker 2: the park and they'd be giggling and laughing, and I
Speaker 2: would always think to myself, you know that despite the
Speaker 2: fact that there is this ugliness going on, there's always
Speaker 2: beauty still happening simultaneously, And I wish that there would
Speaker 2: be a spotlight on that because they would always bring
Speaker 2: me so much joy, Like, no matter what was going
Speaker 2: on in the city of Newark, I found that, you know,
Speaker 2: still the next day the kids would go out, we'd
Speaker 2: go to the park.
Speaker 1: You know, they eat their little gram crackers.
Speaker 2: They would call me miss Tiffany and give me hugs
Speaker 2: and kisses and we would like enjoy life at that moment,
Speaker 2: and I think that maybe that's what be You know,
Speaker 2: I was gonna take a brown break or maybe I'll
Speaker 2: do a brown boost instead.
Speaker 3: Well, okay, you want to go on and do the
Speaker 3: bron break and brown boost mm hmm.
Speaker 2: So definitely, I'm just going to take a break from
Speaker 2: social media just because it's a lot right now, like
Speaker 2: there's no joy there, so I just need a break
Speaker 2: from that. But definitely a brown boost to that new hashtag.
Speaker 2: I think that just like watching care free black kids
Speaker 2: be free and fun and laugh and smile and have
Speaker 2: a good time, I think that I want a little
Speaker 2: bit of a boost of that. So that's my bron
Speaker 2: break and my brown boost.
Speaker 3: Well, I'm going to do a triple dose of happiness
Speaker 3: for brown Boots today because I feel like we need it.
Speaker 3: If ever there were a day for a triple dose,
Speaker 3: today's day. So one is that my fav I saw
Speaker 3: you posted this before I could on the on our
Speaker 3: Facebook page. But it's a ray actually raised in like
Speaker 3: less than a day, maybe a matter of hours, over
Speaker 3: two hundred thousand dollars for the children of Alton Sterling
Speaker 3: to go to college. So that's amazing someone using their
Speaker 3: power for good. And that's one. Two is that I
Speaker 3: saw Hamilton last week. How was it? It was life changing?
Speaker 3: Like I sort of feel like I don't know how
Speaker 3: to describe it. I'm gonna sound insane. I've been trying
Speaker 3: to describe it to everybody, and all I do is
Speaker 3: sound like a crazy person and obsessed, and I just
Speaker 3: need to like tone it down a little bit, I think.
Speaker 3: But it was. It was the greatest thing I've ever seen.
Speaker 3: Like I took fiance for his birthday and I literally
Speaker 3: put I purchased these tickets nine months ago, like last September.
Speaker 3: No more than nine almost ten months ago. I purchased
Speaker 3: these tickets because they were all sold out till January.
Speaker 3: And everyone's acting like I must have like shot somebody
Speaker 3: or murdered somebody to get these No, I bought them
Speaker 3: nearly a year ago. And everybody in that audience you
Speaker 3: can just tell they were so grateful to be there.
Speaker 3: And when all those actors because this is the last
Speaker 3: this was the last two weeks of before three of
Speaker 3: the primary cast members, including the main star of at
Speaker 3: Lin Man and Will Miranda. They they leave the show,
Speaker 3: so they were taping the play for I think to
Speaker 3: air on PBS or something like that. So everyone was there,
Speaker 3: all the original cast and when I've never heard of
Speaker 3: Broadway audience, Like I go to Broadway plays a lot,
Speaker 3: but I've never heard an audience like like scream, like laugh.
Speaker 3: It was like being at it might have been like
Speaker 3: being at that New Addition concert, like seeing your favorite
Speaker 3: band on stage, and like people are going to like
Speaker 3: a Beyonce show, like they were all Beyonce up there,
Speaker 3: and it just I've never seen and I went to
Speaker 3: color purple, but like, how often do you see a
Speaker 3: cast that is that dive burse like like Latino Asian,
Speaker 3: black and white too and gay and straight, and like
Speaker 3: the fact that they could make history through hip hop
Speaker 3: one of like a masterpiece, Like I'm listening. The soundtrack
Speaker 3: is forty six songs long. All of them could be
Speaker 3: on the radio, all of them and they will be
Speaker 3: because Questlove and the Roots are producing like an album
Speaker 3: based on the cast album. It was just so good.
Speaker 3: And like my fiance he was like half the time
Speaker 3: he was just watching me watch a play because my
Speaker 3: mouth was hanging open.
Speaker 1: Like well, somebody tweeted me a question.
Speaker 3: Oh what is it?
Speaker 1: It's just a simple question.
Speaker 2: She said, Hey, at the bunch, anista, do you think
Speaker 2: it's a good idea to refinance my car loan?
Speaker 3: Okay, yeah, yeah, Okay, we'll set it up and we'll
Speaker 3: do that as a question. Okay, all right, do we
Speaker 3: have any questions today?
Speaker 1: Yes?
Speaker 2: I we were tweeted a question and someone asked if
Speaker 2: we thought it was a good idea for her to
Speaker 2: refinance her car loan. I'm assuming that. I'm assuming her
Speaker 2: she didn't. You know, it's a tweet, so you can
Speaker 2: give but so much information. But I'm assuming it's because
Speaker 2: her payments are too high.
Speaker 3: You know, that's a real issue. I was just I
Speaker 3: was just doing a whole story for this for Magnify Money,
Speaker 3: where I right now about subprime auto loans, like how
Speaker 3: easy it is to get you know these like no credit,
Speaker 3: bad credit, anyone get a car loan, and then they
Speaker 3: talk you into getting these crazy expensive car loans that
Speaker 3: you don't think is crazy because they're like, oh, well,
Speaker 3: your monthly payment's only like two hundred dollars. But what
Speaker 3: you don't realize is that not only is your interest
Speaker 3: rate incredibly high, like over fifteen percent, sometimes even more
Speaker 3: than twenty five percent. But that the only way they're
Speaker 3: getting a monthly payment so loan so low is because
Speaker 3: they're making your loan even longer, like giving you even
Speaker 3: longer to pay off your loans. So instead of having
Speaker 3: like a three year car loan, they're giving you like
Speaker 3: a five, six, seven year car loan.
Speaker 2: And then sometimes too. This happened to a few of
Speaker 2: my dream catchers. They finally did get the money together
Speaker 2: and there's a prepayment. They're not allowed to prepay.
Speaker 3: That's oh yeah.
Speaker 2: Like one woman, she was sending an extra payment and
Speaker 2: noticed that her principle wasn't going down.
Speaker 1: She called them.
Speaker 2: They're like, oh, yeah, we've just been putting it toward
Speaker 2: the interest because you can't prepay. So basically they've just
Speaker 2: been keeping her extra money. Can you imagine?
Speaker 3: Wow? And she was like a criminal, I know.
Speaker 1: And I was like, wait what She's like, I don't
Speaker 1: even know what to do.
Speaker 2: I've been prepaying for three months, thinking like I'm doing
Speaker 2: a good thing, and basically they pocketed my money.
Speaker 3: You know, the CFPB the regulator for financial institutions, banks,
Speaker 3: credit card companies, stuff like that, they've been trying really
Speaker 3: hard to regulate the auto loan industry. M hm, they
Speaker 3: have been unsuccessful because I didn't realize this until I
Speaker 3: started doing this story. But like, do you know how
Speaker 3: powerful car dealers are, like car dealers, like your local
Speaker 3: car dealer and your neighborhood. They're like more politically powerful
Speaker 3: than sometimes legislators. Like they're the personal like they are
Speaker 3: the mini NRA of different states. So really yeah, and
Speaker 3: so they've influenced policy. I was looking over the car.
Speaker 3: The auto dealer industry has donated over like one single
Speaker 3: auto dealer from Florida, Okay, donated seven million dollars to
Speaker 3: political candidates this year through the election. This happened to
Speaker 3: also be just a year after the CFPP failed to
Speaker 3: get the get the power to regulate auto lenders too.
Speaker 3: And it's because they have so these dealers, they have
Speaker 3: so much influence over their local politicians.
Speaker 2: That is insane and scary. So what say you about
Speaker 2: advice for her? I say, well, obviously, I say yes,
Speaker 2: you can definitely refinance your your car loan. I always say,
Speaker 2: you know, when you're looking to buy that you should
Speaker 2: try your best to bring your own financing with you.
Speaker 3: Yes, you know I do that.
Speaker 2: I know you don't realize it, but like you can go.
Speaker 2: You can go to your credit union or even your bank,
Speaker 2: especially if you have decent credit and work out. I
Speaker 2: think this is what a superman did. You know he
Speaker 2: has a really low at the time when he had
Speaker 2: a car payment, but he got his financing from his
Speaker 2: credit union. It was super low, single digit and he
Speaker 2: was able to go to the car lot car dealership
Speaker 2: and let's.
Speaker 1: Say no, no, you know I have the money. I
Speaker 1: just I'm here just for the car.
Speaker 3: Right. People don't shop around enough. And you know when
Speaker 3: you go to a dealer and they're taking you to
Speaker 3: their financing office, you should know that those financing people
Speaker 3: like it's in their interest to sell you loans that
Speaker 3: they get the biggest kickback from. So when they shop around,
Speaker 3: like oh yeah, Capital one is great, you know, we'll
Speaker 3: get you set up with them. They'll prove you they're
Speaker 3: getting a kickback from Capital One or not just to
Speaker 3: call out them, but any bank, most banks that they
Speaker 3: work with for bringing them business, for bringing you to
Speaker 3: the bank, like the bank is actually kicking them back
Speaker 3: to a little cash on the side. Sometimes they get
Speaker 3: a cut up the interest rate that they give you,
Speaker 3: so they're incentivized to give you a higher interest rate.
Speaker 3: There's like a million reasons why it's better. You're better
Speaker 3: off shopping for your loan on your own. But even
Speaker 3: like I've heard from people that even if you shop around,
Speaker 3: you still get there and they try and bully you
Speaker 3: into car signs of extra stuff.
Speaker 2: Like I'm actually gonna search for a car now. So
Speaker 2: I was like, Okay, my ninety nine Toya camera. She
Speaker 2: has done me well, but at this time to retire
Speaker 2: her at least for like regular everyday use.
Speaker 1: So I was gonna. I saved.
Speaker 2: I've been saving, honestly because I've had the camera for ever.
Speaker 2: So I have a good chunk of money. Honestly, my
Speaker 2: budget is about twenty thousand dollars like cash, and because
Speaker 2: I've been saving and saving for the last three or
Speaker 2: four years, knowing that the next car I I didn't
Speaker 2: want a hoopdie. Finally, I was like, all right, Tiffany,
Speaker 2: you know you work hard, you've done well, you saved, We're.
Speaker 1: Not going to get a hoop die.
Speaker 2: But at the same time, I'm not going to get
Speaker 2: a car loan and I so I saved and I said,
Speaker 2: plus two, I'll buy the car for my business because
Speaker 2: I'll keep my hoopdie for personal use and get the
Speaker 2: car for my business so I can write it off
Speaker 2: as a you know, as a tax write off for
Speaker 2: my business a budgetista. And you should see their faces
Speaker 2: so disappointed. Like first me and Superman would come in one.
Speaker 2: You know, they I could tell they thought like, oh,
Speaker 2: they don't have any money because you know, like we're
Speaker 2: black and we're young, and so just even getting someone.
Speaker 2: There were some dealerships that were really great about coming
Speaker 2: up to us and asking us questions and you know,
Speaker 2: and some dealerships that kind of just like eyes glazed over,
Speaker 2: like they don't have any money. And you know, when
Speaker 2: I would go and talk and talk about like you know,
Speaker 2: they're like, oh, what's your budget, and you know, I
Speaker 2: tell them, you know, well let's see the cars first.
Speaker 2: And then when it got down to talking business and
Speaker 2: they were like, oh, you know, we have great financing.
Speaker 1: I would just be like it felt so good to
Speaker 1: say I'll.
Speaker 2: Actually be paying cash well cashier's check and they're like,
Speaker 2: wait what.
Speaker 1: And Superman said, that's my favorite parctivity.
Speaker 2: I couldn't wait till we get to those parts and
Speaker 2: they're like, well, I'm like, yes, it's for my business,
Speaker 2: so I'll be paying be a cashier's check. So again,
Speaker 2: so how they and you don't understand how many times
Speaker 2: they were like wait, I don't I'm not quite understanding.
Speaker 2: I'm like, no, I won't be doing any financing. I'll
Speaker 2: be paying just straight.
Speaker 3: Cash money hunt why.
Speaker 1: And then that's when they're like, well, what do you
Speaker 1: do again?
Speaker 2: A briefcase, I know, I teach financial education, so what
Speaker 2: you're not going to do? I'm like the quickest one
Speaker 2: at Target at the gap when the women are trying
Speaker 2: to like or the cashiers trying to get you to
Speaker 2: sign up for like a credit card, and I'm like
Speaker 2: now they're like you don't want to save? And I'm like, honestly,
Speaker 2: my sister's like, oh boy, here we go, because they
Speaker 2: know about they selling them. I'm like, every time somebody
Speaker 2: signs up for these, you know you really are helping
Speaker 2: to lower their credit score. Sometimes the women behind the counter,
Speaker 2: the cashier whoever, is actually really surprised and grateful that
Speaker 2: I shared that with them.
Speaker 1: And sometimes they're like girl, yes or no, I was that.
Speaker 3: Girl at the Gap because I used to get I
Speaker 3: used to get in, like you get rewarded for how
Speaker 3: many credit cards you sign up. That's a whole other conversation.
Speaker 1: Yes, just crazy.
Speaker 2: No, but yeah, so I'd say like, yeah, so refinancing
Speaker 2: definitely looking.
Speaker 3: You can Yeah, you know, Magnify actually has a cool
Speaker 3: tool A little plug from my new job. You know,
Speaker 3: they're good Magnify if you're do you want to compare
Speaker 3: loans like they're they're like have some of the best
Speaker 3: tools out there and they're free to use and they're
Speaker 3: all better.
Speaker 1: And what I love about Magnifying money everybody's activity like
Speaker 1: do they pay you? They don't.
Speaker 2: I just really love their website because one, it's just
Speaker 2: great for comparison to all these different financial products and services.
Speaker 1: Two, the language is so easy to understand. You're not like, wait,
Speaker 1: what does that mean?
Speaker 2: Like they're just like it's just plain spoken English, so
Speaker 2: you get it.
Speaker 1: You know.
Speaker 2: Everyone who I said there is like, oh my god,
Speaker 2: I love this website. I'm like, I know, because it's
Speaker 2: just it's a great website that you can use to
Speaker 2: find resources and you can actually understand what they mean
Speaker 2: and you don't have to like Google like what does
Speaker 2: that word mean?
Speaker 3: So yeah, well, yes, I'll take credit for all that.
Speaker 2: And one last little thing that about magnified money. Had
Speaker 2: you've heard of the trans Union had that glitch?
Speaker 1: Have you seen?
Speaker 3: No?
Speaker 1: Yes?
Speaker 2: So, I mean the only reason why I know is
Speaker 2: because my dream catchers were going crazy for the last
Speaker 2: few days. So trans Union apparently had either a nationwide
Speaker 2: or a worldwide glitch where everyone, everyone's basically credit score
Speaker 2: was deleted. Everything was taken off the yes for whatever reason.
Speaker 2: But then they put it back on. But apparently there's
Speaker 2: a law.
Speaker 1: That states that once you take something off of a credit.
Speaker 2: Score, you're not allowed to put it back on without
Speaker 2: written notice.
Speaker 3: Yeah, so they get a free credit clean up.
Speaker 2: Basically, it's like it's like the FCR section six to eleven,
Speaker 2: like the final Girl on if we what FCRA stands for.
Speaker 2: But anyway, so all of my dream catchers have been
Speaker 2: calling TransUnion and basically being like, nah na, nah, don't
Speaker 2: put that back on, not my negative stuff. But the
Speaker 2: thing is, I mean, yes, it's great that you'll be
Speaker 2: able to clean up your TransUnion score, but if they
Speaker 2: mail you within five days of reinserting, they can actually
Speaker 2: add the deletions back on. Also, it's not gonna affect
Speaker 2: the other two credit report, Like, it's not like it's
Speaker 2: across the board, like everyone is going to be removing
Speaker 2: these negative stuff things off your credit report, and it
Speaker 2: just because the like the line.
Speaker 1: Item is gone, like girl, you still oh the account
Speaker 1: is still there?
Speaker 3: Oh of course. Yeah.
Speaker 2: And honestly, you likely won't see a huge jump in
Speaker 2: your in your credit score. Some people had did see
Speaker 2: a jump. A woman was like, oh, my credit score
Speaker 2: went up fifty points. But that's just for TransUnion, So
Speaker 2: what if the car dealership uses Equifax, then it's not
Speaker 2: gonna affect So I'm.
Speaker 3: Not saying I'm surprised people's course, couldn't your score also
Speaker 3: go down if they remove some of your older credit history?
Speaker 1: This is possible too.
Speaker 2: I haven't seen that that's what has happened, but it
Speaker 2: was like a huge like everyone was.
Speaker 1: Talking about it and the group, so I had to
Speaker 1: do a little bit of research, like what happened? So yeah,
Speaker 1: apparently I don't know this.
Speaker 2: Let's just erasing everybody's credit reports and they're basically like, no, no,
Speaker 2: don't put that old stuff back on. But like I said,
Speaker 2: ultimately it doesn't affect all the other all the other
Speaker 2: credit reports that you have. So you know, I'm not
Speaker 2: saying you shouldn't you shouldn't fight to keep those negative
Speaker 2: increase off your those negative things off your credit report,
Speaker 2: your TransUnion credit report, but.
Speaker 1: Just now that it might not make a big of
Speaker 1: a difference, as.
Speaker 3: You think, Yeah, pay your bills.
Speaker 2: Yeah, exactly, that's gonna make the biggest difference. Pay your
Speaker 2: bills and actively work toward like like restoring your credit
Speaker 2: by paying your bills on time, keeping your utilization of
Speaker 2: your credit cards low, and like not opening up new
Speaker 2: credit cards right away.
Speaker 3: Yeah, so we could do a whole episode, I think,
Speaker 3: I mean, I think we're due for a nice credit
Speaker 3: score episode. People are obsessed, yeah.
Speaker 1: They yes, what is the obsession with credit score?
Speaker 3: Not even just well, I mean there's a reason to
Speaker 3: be obsessed with it, but I mean it's just people
Speaker 3: who have bad credit and want to know how to
Speaker 3: get out of it. You know, those are the people
Speaker 3: who end up with these these bad auto loans. And
Speaker 3: one thing I'll say, just getting back to her question
Speaker 3: real quick, is when you refinance an auto loan which
Speaker 3: you already have poor credit to begin with, you know,
Speaker 3: that's kind of it it's kind of an issue. You
Speaker 3: really got to work on your credit because to get
Speaker 3: refinance that just means taking out another loan. That means
Speaker 3: finding a lender who is willing to lend to you,
Speaker 3: and if your credit's poor, that can be difficult. So
Speaker 3: some of the advice that is maybe not so good
Speaker 3: to hear. It's not like a get out of debt
Speaker 3: quick advice. It is clean up your credit as much
Speaker 3: as you can. You know, sell whatever you can, sell
Speaker 3: the car if you have to, if you're bleeding money,
Speaker 3: especially if what's happening. Sometimes I was just talking to
Speaker 3: a woman from Georgia actually whose car she refinanced. This
Speaker 3: is another thing you can do. So the sometimes they'll
Speaker 3: be like, oh, so you know you want to refinance, Well,
Speaker 3: we'll give you a new loan for a new car,
Speaker 3: and we can roll over your old loan into that.
Speaker 3: You're basically adding on your old loan onto the new loan,
Speaker 3: so your loan is even bigger than it was before. Yeah,
Speaker 3: isn't always helping you exactly. So you're paying for two
Speaker 3: cars but only have one, yeah, basically, and that just
Speaker 3: means and you probably that makes immediately the car you
Speaker 3: have worth less than what you owe on the loan,
Speaker 3: which doesn't make any sense obviously. Yeah, but I wrote
Speaker 3: I'm going to post a link to on our blog.
Speaker 3: I just we just did a story how to get
Speaker 3: out from under a bad car Loan, and I saw
Speaker 3: that the yes that you well, I didn't write it,
Speaker 3: but I assigned it. So that's what.
Speaker 1: Excuse me. It's my feet, my pinky up.
Speaker 3: It's my job. I'm an editor now, so I get
Speaker 3: to assign the different stories. So hey, if you guys
Speaker 3: have story ideas you want to answer questions answered, go
Speaker 3: to magnify money dot com. I swear they have answers
Speaker 3: to like everything, and if they don't, let me know
Speaker 3: and we will get those answers for you.
Speaker 1: Awesome.
Speaker 3: Yep.
Speaker 2: So we should end with some wins, although I'm struggling
Speaker 2: to decide what a win should be.
Speaker 3: Oh, I have a quick one. Okay, there was Actually
Speaker 3: I said I was gonna do three boosts, but I
Speaker 3: forgot one. So here's a third.
Speaker 1: Okay.
Speaker 3: Do you know Leslie Jones from SNL?
Speaker 1: Yes, yes, you here?
Speaker 3: So she is like, first of all, she's hilarious. I
Speaker 3: don't know her her sense of humorism for everybody. She's
Speaker 3: kind of like loud and sassy, and some people say
Speaker 3: that she's not doing any favors for black women by
Speaker 3: being like a stereotype, But I don't care. She's on
Speaker 3: TV and that's amazing. But she's in a movie with
Speaker 3: She's so she's starring in Ghostbusters, right mm hm. We
Speaker 3: talked about this before, like how everyone was saying how
Speaker 3: in Ghostbusters she's like stereotypical, Like why is the one
Speaker 3: black actress got to be the MTA worker and like
Speaker 3: have all you know from the hood or whatever. But
Speaker 3: so she tweeted that she's going to the premiere of
Speaker 3: Ghostbusters and she's not like none of these designers want
Speaker 3: to design dresses for her. And immediately who comes to
Speaker 3: the rescue? But my favorite Christian Siriano.
Speaker 1: Ah, I love him.
Speaker 3: I feel like he has done more for black women
Speaker 3: in fashion than like, I can't even think of anyone else.
Speaker 3: So Christian Syrian if you don't know. So he was
Speaker 3: on Project Runway when I used to watch it. Yeah, Slade,
Speaker 3: Slade was amazing, this like pint sized little nugget and
Speaker 3: he's gone on to dress everybody. He's on all the
Speaker 3: red car because he's a huge brand, and he does
Speaker 3: not have to go out of his way to help
Speaker 3: women who are different sizes. He could dress all the
Speaker 3: models he wants to, but he has dressed the entire
Speaker 3: cast of Orange Is the New Black that's become like
Speaker 3: his little muse lately. They and all those women or
Speaker 3: different sizes, mostly minority women. And not only that, but
Speaker 3: Danielle Brooks, who is from Orange Is the New Black.
Speaker 3: She became the face of his plus size line for
Speaker 3: Lane Bryant, which just debuted this year. So anyway, christ
Speaker 3: so I saw her tweet on Twitter that no one
Speaker 3: was finding no one would make her address, and immediately
Speaker 3: I tweeted at her and Christian Siriano and I was like,
Speaker 3: please make this happen. And Christian Siriano favorite in my tweet,
Speaker 3: I'm so oh yeah he did. Now I'm not gonna say.
Speaker 1: Yo, honestly, this is everything.
Speaker 3: I'm not gonna say that I made this happen.
Speaker 1: You did.
Speaker 3: But a day either they tweet the Instagram to post
Speaker 3: together and she's shopping in his store or not shopping,
Speaker 3: but she's there in his in his in his store
Speaker 3: getting he's designing a dress for her.
Speaker 1: Now, no you made it happen.
Speaker 2: Let's let's all give Mandy. I'm not even gonna do
Speaker 2: a win. I think that's a win for everyone. That's
Speaker 2: just like a round of applause because like, that's just honestly,
Speaker 2: that is so awesome. That is the power of positive
Speaker 2: social media at work, ladies and gentlemen, soweaiting and.
Speaker 1: Connecting folks Like I knew I loved him when I saw.
Speaker 2: I don't know if it was his best friend or
Speaker 2: his sister, that she was getting married and she's plus
Speaker 2: sized and he made her a beautiful wedding dress, and
Speaker 2: I was like, I.
Speaker 3: Love you and Nicolette Mason.
Speaker 1: I'm not sure if that is that his friend.
Speaker 3: Yes, I saw that on Instagram too. Yeah, she's like
Speaker 3: a plus size like uh blog, I think she's a
Speaker 3: she works for a magazine I forget now, but anyway,
Speaker 3: she's cool, she's great to follow. Oh, she's a columnist
Speaker 3: at Marie Claire. That's what it is, okay, yeah, plus size.
Speaker 3: Oh I loved her wedding dressy have gold and sparkly.
Speaker 2: Yes, so beautiful And I'm just like, oh, look at
Speaker 2: this the fields, Yes for both, look at you, Mandy,
Speaker 2: see you get virtual hugs.
Speaker 3: I just feel like, you know, I just feel like
Speaker 3: plus sized women should not have to feel like there's
Speaker 3: nothing for them. You know, people should make things for
Speaker 3: us too, because our bodies are our bodies. They're normal,
Speaker 3: they're not crazy. And I just love Christian Serano for
Speaker 3: for being aware of where as a lot of designers
Speaker 3: are not. Yeah, if you're listening, Christian, thank you on
Speaker 3: behalf of all women with curves.
Speaker 1: Yes, that's awesome.
Speaker 3: All right, you can top that now.
Speaker 1: No I can't, so on that note, we are just
Speaker 1: going to close that.
Speaker 3: Top dead with your essence fust wonderment.
Speaker 1: No, we're just going to like end on that note.
Speaker 2: And oh yeah, so if you have any financial questions,
Speaker 2: you could send them to.
Speaker 3: Brown Ambition Podcasts at gmail dot com, or.
Speaker 2: You can tweet us at the BA podcast or facebook
Speaker 2: us at Brown Ambition on Facebook.
Speaker 1: We look forward to connecting with you.
Speaker 2: If you have the feels about kind of how this
Speaker 2: episode went, we'd love to hear you tweet us share
Speaker 2: with us. Maybe you have a story that you kind
Speaker 2: of want to share as far as like, you know,
Speaker 2: kind of like the sadness that's going on, and you
Speaker 2: know what, I really would love what brings you to
Speaker 2: your happy space, like if you know, like how Mandy
Speaker 2: said that hashtag care for You Black Kids twenty sixteen
Speaker 2: kind of gives her, like the smile. So what gives
Speaker 2: you the smiles and gets you to a happy space
Speaker 2: when things are not quite so happy? I'd love love
Speaker 2: love to like know what that is, so you can
Speaker 2: tweet us at the BA podcast or me at the
Speaker 2: Budgetista or Mandy are you Mandy money or Mandy I.
Speaker 3: Am at Mandy Woodrow at Mandy was an eye, I
Speaker 3: was an eye. I hope that they say brown ambition
Speaker 3: helps them. Yes, we hope we bring a little bit
Speaker 3: of joy to your lives.