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Speaker 1: Hey, Hey, hey guys, It's me Tiffany and it's Manjo.

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Speaker 1: We just want to say thank you guys. You guys

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Speaker 1: are amazing thanks to you. Since we started our podcast,

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Speaker 1: it was just me and Mandy listening to ourselves to

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Speaker 1: now we get over one hundred thousand downloads a month,

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Speaker 1: and I know it seems like that's awesome, but we

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Speaker 1: can do even better. And we have a favor to ask, just.

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Speaker 2: A tiny favor, if you could please share our show.

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Speaker 2: Share it on your social media. You can tag us

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Speaker 2: at Brown Ambition Podcast. Take a screenshot of the show

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Speaker 2: that you're listening to and share it on Twitter, on Insta,

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Speaker 2: on Facebook, tell a friend to tell a friend. You

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Speaker 2: can tag us on social media. We're at Brown Ambition

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Speaker 2: Podcast on Insta, at the BA Podcast on Twitter, and

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Speaker 2: of course our Facebook group. You can find us under

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Speaker 2: Brown Ambition. Don't forget to tag our personal handles too.

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Speaker 2: On Insta. I'm at Mandy Money Mandy with an Ie,

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Speaker 2: and Tiffany is at the Budget Nista. When you tag us,

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Speaker 2: we will share your post and help amplify it even further.

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Speaker 2: Thank y'all for all the love this is just gonna

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Speaker 2: help us give us that little extra brown boost.

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Speaker 1: Hey hey, hey, we're back. We're black, We're bread ambishon.

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Speaker 2: Thank hey, hey, thank you for reminding me that I

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Speaker 2: need to design a new T shirt tonight because people

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Speaker 2: have been asking for that on a T shirt.

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Speaker 1: Oh hey, hey, hey, we're back. We're black, We're brown

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Speaker 1: a bus.

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Speaker 2: We're back. We're black, We're brown ambition. Yes, Yes, coming

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Speaker 2: to a Brown Ambition Store dot com near you. I

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Speaker 2: love that you're gonna time this episodes up And thank

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Speaker 2: y'all for checking out our merch. Y'all have been asking

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Speaker 2: for it for a while and now you can get

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Speaker 2: your b a swag on again. It's Brown Ambition Store

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Speaker 2: dot com. Check us out.

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Speaker 1: Yes, super cutie, so cute. You know what I did recently.

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Speaker 1: I know I'm all late, but I listened to the

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Speaker 1: Blackest King album.

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Speaker 2: I was like, wait, wait, the Lion King album that

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Speaker 2: Beyonce did.

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Speaker 1: I'm late. I'm late, like CPA time, okay, okay.

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Speaker 2: So I was like, this is really good, but you

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Speaker 2: can't tell anybody because everyone already knows it's good and

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Speaker 2: you have to know that you're late.

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Speaker 1: I know, I'm solute late. And then I actually watched

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Speaker 1: because you know. I was like over my friend's house

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Speaker 1: and so, go, have you watched Blackest King? And I've

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Speaker 1: had it playing in the background, but I haven't like

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Speaker 1: sat to watch it. And I watched it and I

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Speaker 1: was like, yo, Beyonce. Honestly, mm mm mmm, she took

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Speaker 1: all my edges. Okay, I'm doing I have have new

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Speaker 1: gro on my edges to to reclaim them. Because the video,

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Speaker 1: I mean, you know, the wole production, it's tough, was amazing.

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Speaker 1: But then the songs like I love Already, Oh my god,

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Speaker 1: that's like my favorite song in water, I love who Chap?

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Speaker 2: Yeah, yeah, I just I know.

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Speaker 1: I'm late, super duper late, but excellent.

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Speaker 2: Well, you know, so late. We can find a relevant segue,

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Speaker 2: which is that they're doing a sequel, live action Lion King.

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Speaker 2: I read and the same director who I believe directed Moonlight,

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Speaker 2: who's Barry Jenkins. Is that right? Yes, that sounds right,

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Speaker 2: feels right, fact check me all he's going to direct it,

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Speaker 2: which is amazing.

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Speaker 1: Yes, can we give a moment of delicious black silence

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Speaker 1: for Barry super super black.

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Speaker 3: Name.

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Speaker 1: My name is Banji. I love it.

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Speaker 2: A good old berry, good old Barry. Yeah, I'm excited

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Speaker 2: about that I was just wait a second, oh, my cousin.

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Speaker 2: I have been harassing my cousins in Georgia, y'all. I

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Speaker 2: don't know if it's okay or not, but I feel

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Speaker 2: this weekend my brothers, my brother's in town. Me back up,

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Speaker 2: my little brother's in town. He and I are just like,

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Speaker 2: you know, on the exact same wavelength. My poor husband's

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Speaker 2: just like, oh, these two we just talked for hours

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Speaker 2: about politics and whatever is going on. But anyway, he

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Speaker 2: lives in Georgia, and I was like, I really feel

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Speaker 2: this need to make sure that my family and Georgia

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Speaker 2: is registered to vote, because Loki, I don't think they

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Speaker 2: all are. And I'm not naming names, but I'm like,

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Speaker 2: they're pretty vocal about things, but like, I really don't

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Speaker 2: hear any of them talk about voting. And then when

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Speaker 2: I found out the deadline to register in georgia's actually today.

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Speaker 2: We're taping on Monday, October fifth, Today's a deadline to

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Speaker 2: register online, and so I was just like texting. I

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Speaker 2: tried to call them last night, they didn't answer. I

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Speaker 2: was like facebooking them. They say that they're registered. So

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Speaker 2: I just like in New York, I don't know, I

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Speaker 2: feel like my progressive views here in New York are

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Speaker 2: not so special, but Georgia is like Georgia could really

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Speaker 2: I mean Georgia's purple and they really could be on

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Speaker 2: the way to a change, like a historic change in

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Speaker 2: terms of how they vote. And I don't know. I'm

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Speaker 2: just trying to channel all my nervous energy about twenty

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Speaker 2: twent you want into the election, into trying to get

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Speaker 2: people to register. So this is my call to action

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Speaker 2: for everybody. Please make sure you're registered to vote. Check

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Speaker 2: our show notes for a link to how you can

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Speaker 2: check to see if you're registered. I triple checked because

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Speaker 2: I was just like so nervous that I wasn't going

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Speaker 2: to be registered. And in Georgia, have you heard about,

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Speaker 2: you know, Stacy Abrams, her whole, her whole campaign for

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Speaker 2: governor in Georgia was side railed by blatant voter suppression.

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Speaker 2: In one of the ways in Georgia that they're notorious

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Speaker 2: for doing that is just purging people from the registered polls.

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Speaker 2: So you do everything right, except maybe you forget a

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Speaker 2: letter in your address or a letter in your name

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Speaker 2: or nothing at all, and you can just be unregistered

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Speaker 2: and not find out so until you show up to vote. Yeah,

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Speaker 2: so even if you think you're registered, triple.

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Speaker 1: Check people are just so the Devil is busy, what

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Speaker 1: is it? What did old black folks say? The Devil

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Speaker 1: ain't got no new tricks.

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Speaker 2: I mean, he's very I mean the wait, the Devil

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Speaker 2: is twenty twenty. The Devil is a play. I mean,

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Speaker 2: but like, if you're going to come through and burn

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Speaker 2: everything down, can you can you get Trump on the way?

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Speaker 1: Like well, I'm not saying, but I'm saying the White

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Speaker 1: House is, uh this way, but in some good news.

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Speaker 1: This is like random but not so random. So I

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Speaker 1: don't know if y'all knew. But again, I've been wanting

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Speaker 1: to make Molly Moore show remember we talked about that.

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Speaker 1: That was like, oh, I want to make Molly Moore

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Speaker 1: show girl. Yes, So I was like simple enough because obviously,

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Speaker 1: like you know, I can do it. I interviewed some

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Speaker 1: animators because not to be confused with illustrators. Illustrator is

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Speaker 1: you know, they draw great animation, you have to bring

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Speaker 1: it to life, make it move. But I thought, oh,

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Speaker 1: same thing, right, No, no, because literally I just found

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Speaker 1: out that for one second of animation, it might be

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Speaker 1: anywhere from twelve to twenty four drawings. Mandy. I was like, wait, what,

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Speaker 1: So you're looking at a one minute animation going from

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Speaker 1: like three thousand dollars for one full finish minute up

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Speaker 1: to fifty thousand dollars. I'm talking about Disney movies. And

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Speaker 1: so I was like, yeah, I can't have had that.

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Speaker 2: You were gonna make your own TV show or wait

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Speaker 2: til no?

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Speaker 1: I told myself I was gonna. I wanted to do

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Speaker 1: like a minimal viable product by like maybe making my

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Speaker 1: own Molly Moore episodes. You know. Then I priced out

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Speaker 1: animators and I was like, oh, I don't have that

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Speaker 1: level of coin. So I was getting kind of discouraged

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Speaker 1: because if you know, you know, like I'm really not

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Speaker 1: wanting to sell Molly Moore. But then, you know, because I,

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Speaker 1: like I said, I did my Googles, but I also

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Speaker 1: interviewed three different animators and they were like, yeah, girl,

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Speaker 1: that's what you're looking at. But then I remember my

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Speaker 1: illustrator himself. He told me when we first met that

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Speaker 1: he also did some animation, and I was like, you

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Speaker 1: know what, I didn't even reach out to him, let

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Speaker 1: me paying him. I did, and I asked him you know,

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Speaker 1: do you know, do you have any examples of some

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Speaker 1: of your animation? He sent it It looked awesome, and

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Speaker 1: I was like, wait, if could I pay you to

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Speaker 1: be because I had asked me a year ago one

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Speaker 1: day when Molly Moore is big time, I want you

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Speaker 1: to work for Molly Moore full time, you know. So

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Speaker 1: we kind of like, you know, had like a moment

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Speaker 1: on that, and then I was like, what would it

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Speaker 1: cost to bring you on full time to animate? And

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Speaker 1: then how many videos could I expect? He was like three,

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Speaker 1: three on the low end of twelve minute videos and

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Speaker 1: on the high end, you know, four to six, depending

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Speaker 1: and like what else he's working on? And so he

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Speaker 1: agreed to come on full time. And the price is like,

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Speaker 1: you know, the cost is his salary, but it's more

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Speaker 1: than reasonable. I'll just say this, it's like the cost

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Speaker 1: of six minutes of animation his annual salary. That's what

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Speaker 1: it would be. And although I don't Molly Moore is

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Speaker 1: not making that as far as consistently like monthly, But

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Speaker 1: I just got a school system just agreed to buy

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Speaker 1: four thousand Molly Moore books, and so it gives me

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Speaker 1: the money I need to be able to pay him

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Speaker 1: to lock him down for a year, including insurance. So

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Speaker 1: I'm like super geeked Ben, I'll be able to like

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Speaker 1: start developing Molly Moore's own show. You'll have a friend

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Speaker 1: that has her own cartoon that she's making herself.

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Speaker 2: I love it own own, own owner.

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Speaker 1: Yes, we own ownership equals wealth. So I'm just like

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Speaker 1: super excited about it. I just talked to him today

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Speaker 1: and he was like, hey, yeah, I want to come

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Speaker 1: on full time because you know what creators. The issue

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Speaker 1: is creatives. The issue is oftentimes payment, Like people don't

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Speaker 1: pay on time. You have to chase people down for

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Speaker 1: your money. You have to get all these different contracts.

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Speaker 1: And he was like, honestly, Tiffany, it would be so

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Speaker 1: nice to have one person that pays me and you

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Speaker 1: you know, we've worked together for a number of years,

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Speaker 1: and you know I don't have to chase down anybody

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Speaker 1: else for my money, and then I can work on

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Speaker 1: some passion things on my own without having to worry

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Speaker 1: about how am I going to eat.

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Speaker 2: So or his insurance.

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Speaker 1: Yeah, which is amazing, Yes, because I told him because

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Speaker 1: first he told me how much, and I said, well,

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Speaker 1: we don't have insurance yet at our company. So I

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Speaker 1: need you to because his where he works now, they

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Speaker 1: provide insurance. I said, so I need you to get

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Speaker 1: with an insurance agent and find out how much it's

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Speaker 1: going to cost you annually and fold that in to

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Speaker 1: what you said that you'll need. So he did, and

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Speaker 1: then I asked some sank on it because I told

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Speaker 1: him today, I like to I like to overpay. I

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Speaker 1: like to overpay my my black and brown folks, you know.

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Speaker 1: So I was like, well, let's add like, you know,

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Speaker 1: four or five thousand dollars to that. He was like really,

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Speaker 1: I was like, yes, because you deserve you go above

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Speaker 1: and beyond. And I know that you're going to go

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Speaker 1: above and beyond more even more so than this extra

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Speaker 1: five that I'm going to add to it. And because

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Speaker 1: he did with the book, and so I just feel like,

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Speaker 1: when you pay people, well, then they show up well.

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Speaker 1: When you pay let me back it up, when you

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Speaker 1: pay good people, well, they show up even better. And

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Speaker 1: so he has already shown me with this first book.

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Speaker 1: He's gone. He went above and beyond what was supposed

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Speaker 1: to be a one year project drug onto two years,

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Speaker 1: and he killed it every step of the way. So

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Speaker 1: so I'm just excited to have him on and I'm like,

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Speaker 1: I would say his name, but y'all so nosy. Everybody

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Speaker 1: was hiring him after I wrote the book and I

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Speaker 1: was like, I need him. Shoot, so I'm not saying

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Speaker 1: his name.

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Speaker 2: And for people who are new work, can they find

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Speaker 2: out about Molly Moore you're children?

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Speaker 1: Oh, you can go to mollymore dot com m A

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Speaker 1: l I m o r E. The website is brand new.

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Speaker 1: It looks I'm not gonna lie, Mandy, I'm the website

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Speaker 1: looks so adorable.

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Speaker 2: I haven't been since the kickstarter.

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Speaker 1: Yes, no, it looks we just actually it just finished

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Speaker 1: like a couple of days ago. It is so do

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Speaker 1: I love the website. So mollymore dot com m A

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Speaker 1: l I m o r E. You can get you

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Speaker 1: a book and you definitely will see the illustrator name.

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Speaker 1: I mean, I don't mind, but just you know, you

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Speaker 1: you could have him to the end of the year,

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Speaker 1: but I got to.

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Speaker 2: Like, you know, hide people like that. I know boarding

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Speaker 2: all the town I.

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Speaker 1: Know, and the truth is like what whatever, Like I'm like,

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Speaker 1: you know, it's not like his name is not all

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Speaker 1: over all the books.

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Speaker 2: So yeah, that is some good news. I'm glad you're

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Speaker 2: able to find the solution because the animation is insanely expensive. Yes,

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Speaker 2: I remember from when I used to produce videos at Yahoo.

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Speaker 2: But can we talk for a minute about how the

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Speaker 2: rona has come come for the White House? Can y'all

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Speaker 2: please wear a mask? Do you think he really has

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Speaker 2: to say? What?

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Speaker 1: Do you think he really had the rona? And or

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Speaker 1: he's just saying it because of all the ship chill

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Speaker 1: that was the debate oh him, Yeah, calling out the

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Speaker 1: Proud Boys and stuff.

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Speaker 2: Yeah, it was actually pretty fortunate that we recorded our

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Speaker 2: episode last Monday, and by like Tuesday night happened and

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Speaker 2: then our show came out, and oh my god, because

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Speaker 2: I don't know what I would have even said about

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Speaker 2: that debate. I don't know. I know that there's so

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Speaker 2: much mistrust, of distrust, whatever, trust lack of trust for

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Speaker 2: this administration because they just lie la la la, lie

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Speaker 2: through their teeth and through their tweets on a constant basis.

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Speaker 2: But to the extent where all these people have COVID,

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Speaker 2: it's it's it just seems very logical that he's got it,

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Speaker 2: because it seems like all of his inner circle got it.

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Speaker 2: And the super Spreader event appear appeared to have been

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Speaker 2: this this reception for his Supreme Court nominee Amy It

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Speaker 2: is it comy or cony. I forget Barrett, but yeah,

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Speaker 2: they issue that he is apparently getting discharged, and he

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Speaker 2: went on some like Twitter trade last night. But I

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Speaker 2: don't even want to focus energy on that. I just

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Speaker 2: need people like this is just a reminder because he

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Speaker 2: I think with the thing that he tweeted when he

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Speaker 2: was discharged today again this is Monday, October fifth, when

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Speaker 2: we're recording, was something about how, you know, don't be

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Speaker 2: afraid of COVID nineteen. Don't be afraid of it. Oh

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Speaker 2: my God, like, oh my, honestly be afraid. You guys

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Speaker 2: be afraid. Please be afraid to wear a mask, please.

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Speaker 1: Harm on people.

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Speaker 2: But Lord Jesus, I'm afraid to say what I've been

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Speaker 2: saying to my friend. I'm afraid to.

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Speaker 1: Say it on the record, like like our friend, because

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Speaker 1: people are like, oh, you know how like Joe Biden

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Speaker 1: and his wife, They're like, oh, you know, we're praying

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Speaker 1: for you. I'm going to quote my friend lovey Jesus,

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Speaker 1: Hakim Christ is busy. I am not praying for that man.

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Speaker 2: Okay, yeah we can, we can. We can air quote,

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Speaker 2: we can, we can quote lovey on that. That's good.

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Speaker 2: I'll stand by I will endorse her statements. Yeah, it's

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Speaker 2: making me feel some very Unchristian feelings, That's all I'm

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Speaker 2: gonna say. But it is what it is. And I

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Speaker 2: but the thing is we have for those of you

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Speaker 2: at home. I mean, it's you've got to you've got

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Speaker 2: to protect yourselves. I really don't, you know, in New York,

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Speaker 2: I just feel like we're heading into flu season. It

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Speaker 2: feels like there's this some you know, false sense of security.

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Speaker 2: But with the election coming, we need everybody to be

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Speaker 2: healthy and to be out there voting, especially if you're

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Speaker 2: black or brown. Not only is COVID impacting our communities

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Speaker 2: at more like disproportionate rates, We're dying from COVID more

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Speaker 2: than any other group. We have got to take this seriously.

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Speaker 2: And if you have family who has been impacted by

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Speaker 2: COVID or not, where there they seem to have, you know,

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Speaker 2: flouted regulations or not. Sorry, God forbid, we have regulations flouted, uh,

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Speaker 2: you know, guidance from our you know, scientists and science

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Speaker 2: out there saying to wear masks and sanitize and all that.

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Speaker 2: Just try and and and get them on board. It

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Speaker 2: really is so simple to wear a mask, and I

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Speaker 2: just can't get around like it's so selfish not to

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Speaker 2: It's these people out here saying that wearing a mask

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Speaker 2: is a choice, it is an individual choice. And how

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Speaker 2: they're exercising, Like, what do they think they're exercising? Just

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Speaker 2: their freedom to be a jackass, That's what it is.

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Speaker 2: Because it's not about you. It's about the person who

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Speaker 2: you don't know walking by you on the sidewalk, who

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Speaker 2: may have a pre existing condition, or may live with

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Speaker 2: someone who has a pre existing condition. And how many

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Speaker 2: people who have indirectly you know, killed someone because of

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Speaker 2: their own negligence and their own selfish behavior. It just

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Speaker 2: is I blah blah blah. Wear a mask. Please, please, please,

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Speaker 2: please wear a mask and vote.

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Speaker 1: Yes, please please, for the love of all.

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Speaker 2: Things, I'm begging you, begging you that everyone is. I mean,

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Speaker 2: what does it feel like in your in your circle?

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Speaker 2: Because I I I'm on Twitter and it's I feel

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Speaker 2: people in my circle just like colleagues and you know friends.

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Speaker 2: Over the years and stuff, people are starting to crack up.

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Speaker 2: I think a little bit, just like, really, the fear

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Speaker 2: is the anxiety. People are so so afraid, and I'll

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Speaker 2: put myself in that, you know, that same category, so

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Speaker 2: afraid of what's going to happen November three. I don't

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Speaker 2: know that I can even process a world and with

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Speaker 2: like a thought of what would happen if you know,

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Speaker 2: he coulds re elected.

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Speaker 1: Yeah, I'm honestly, I just I can't. It's too much.

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Speaker 1: So I just said, you know what I am. I honestly,

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Speaker 1: I don't know. I don't know what I would Honestly,

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Speaker 1: I feel like we would all fall into this deep depression.

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Speaker 1: I just I've just yeah, I just decided that I'm

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Speaker 1: just going to take it one day at a time,

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Speaker 1: focus on like what I'm able to do, because it's

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Speaker 1: too much. That's why I did not watch the debates.

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Speaker 2: You know, if you don't watch the debate, you got

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Speaker 2: to watch them. Well, you don't not watch the debate.

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Speaker 1: But no, I said, I can't do it.

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Speaker 2: I can't do it.

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Speaker 1: I can do it. I was like, you know what,

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Speaker 1: I'll get enough of the clips later to depress my life,

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Speaker 1: but yeah, I can't do it.

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Speaker 2: Yeah, I mean I choose to watch the debates because

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Speaker 2: I want to be a witness to this moment. I

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Speaker 2: want to drink in the pain. I want to feel

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Speaker 2: the pain. I want to like rake my core over

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Speaker 2: the coals and just feel the pain of what our

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Speaker 2: you know, negligence and in action has created. I mean,

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Speaker 2: I don't mean to be that sounds really dramatic, but

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Speaker 2: I genuinely feel like we have so much responsibility and

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Speaker 2: what our elected officials do and who our elect officials are,

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Speaker 2: and we've just forgotten how much power we have. I think,

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Speaker 2: so it's just we we really have and I just

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Speaker 2: never ever want to forget. I never want to forget

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Speaker 2: how I felt watching that ninety minutes, like I wanted

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Speaker 2: to crawl out of my skin at what, you know,

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Speaker 2: what we allowed to happen. And I never want I

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Speaker 2: just I just don't want us to ever forget. You know,

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Speaker 2: this can't be. This can't be a four year period

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Speaker 2: that just just becomes a blip. We have it. I

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Speaker 2: wanted to scare future generations. I want rio to be like,

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Speaker 2: how did you let this happen? I will never yeah,

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Speaker 2: like do better, do better than us, because I just

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Speaker 2: it can't happen again. And we've got to we've got

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Speaker 2: to like and I guess this is where I can be.

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Speaker 2: I get excited and optimistic. Is that, you know, if

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Speaker 2: we really do take this seriously and will truly change

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Speaker 2: and they come out and vote and they get more involved,

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Speaker 2: not just in presidential elections but all the little ones

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Speaker 2: that really matter, that we'll see lasting change. And that

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Speaker 2: is so I pray. I'm like praying please again, Like

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Speaker 2: if you're not registered yet or you're not sure, double

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Speaker 2: check check our show notes for the link to where

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Speaker 2: you can check to see if you're registered. And then

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Speaker 2: I think even the Obama's you know, posted this week

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Speaker 2: and said, if there's one thing you can do for

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Speaker 2: us on it, what is at their wedding anniversary, it's

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Speaker 2: convinced someone who may not vote to vote, please do

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Speaker 2: because on one hundred million people did not vote in

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Speaker 2: twenty sixteen, one hundred million people, Like, we have got

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Speaker 2: to get out there, y'all. So put your centicism in

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Speaker 2: a bag, put it, you know, throw it over your

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Speaker 2: shoulder and just carry it with you to the polls. Okay,

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Speaker 2: you can be a cynic and still vote, but please wait.

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Speaker 1: Exactly, it's just we are living through the what's the

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Speaker 1: worst thing that can happen? We are living through that

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Speaker 1: now it can actually get worse than.

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Speaker 2: This, So it can. It has every day every day,

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Speaker 2: every day, every day. But what I mean like the

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Speaker 2: feelings of like what you can control. I mean, I

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Speaker 2: definitely feel like work, I feel like money. I've just

398
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Speaker 2: been like just hanging on to anything, any hanging on

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Speaker 2: to any any, any little thing that I can to

400
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Speaker 2: feel like I have some kind of control until I can,

401
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Speaker 2: like like I wish that when I go to the election,

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Speaker 2: I just want to, like I just want to like

403
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Speaker 2: stop my foot in it, Like I just want like

404
00:19:27,440 --> 00:19:30,159
Speaker 2: the not like I'm just imagining the ballot like I

405
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Speaker 2: just want to take this pen or whatever I'm gonna like,

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Speaker 2: how do you even forget now? Is it like digital?

407
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Speaker 2: I don't know what it's going to be. I want

408
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Speaker 2: to I'm going to put elbow grease into into hitting

409
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Speaker 2: Joe Biden's name on that ballot. I just and I'm

410
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Speaker 2: going to skip on out of there because I I

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Speaker 2: I I I can't. I'm gonna stop now, Please stop

412
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Speaker 2: stop me, Please stop that. I can't. I didn't take

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Speaker 2: myself off today, as you can tell. Oh, I just remembered, well.

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Speaker 1: I mean, I don't even know it's gonna sound a brighter. No,

415
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Speaker 1: I don't know that.

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Speaker 2: You keep trying, you keep trying to bring it back,

417
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Speaker 2: and I keep breaking.

418
00:20:07,080 --> 00:20:09,679
Speaker 1: But I'm like fall is coming, the leaves are changing.

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Speaker 1: It's pretty less.

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Speaker 2: And now this weekend was beautiful and we did get

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Speaker 2: our butts out and we went to like an uh

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Speaker 2: am I some of my little brothers in town. Actually

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Speaker 2: I kicked all three of the boys outside. I was like,

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Speaker 2: go burn some wood, just because like it can't be

425
00:20:22,640 --> 00:20:24,399
Speaker 2: in here making noise, making a rocket. So they're out

426
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Speaker 2: there just staring at a fire pit right now in

427
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Speaker 2: our backyard.

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Speaker 1: Like that, like like whatever. Like if I my husband

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00:20:30,720 --> 00:20:33,080
Speaker 1: doesn't not like for his his friend, they don't listen

430
00:20:33,080 --> 00:20:34,480
Speaker 1: to the podcast anyway to know that he's like a

431
00:20:34,560 --> 00:20:37,040
Speaker 1: lightweight when it comes to drinking, because he doesn't drink

432
00:20:37,359 --> 00:20:40,280
Speaker 1: and so like, you know, one beer, two and you like,

433
00:20:40,400 --> 00:20:44,320
Speaker 1: I'm like, he's two is like oh so you just

434
00:20:44,400 --> 00:20:45,439
Speaker 1: you want alcohol poisoning.

435
00:20:45,560 --> 00:20:49,000
Speaker 2: That's how exactly that's what I'm saying.

436
00:20:49,040 --> 00:20:51,679
Speaker 1: It's so crazy because after one he's like, WHOA, I

437
00:20:51,720 --> 00:20:53,280
Speaker 1: had it. I'm like, brouh, I can do more than one.

438
00:20:53,280 --> 00:20:55,320
Speaker 1: And I don't even drink. So it's funny when he's

439
00:20:55,320 --> 00:20:57,320
Speaker 1: out there, like with the fella, it's like, you know,

440
00:20:57,520 --> 00:21:00,000
Speaker 1: just having a bouski. I'm like, you don't even bruskie,

441
00:21:00,119 --> 00:21:02,080
Speaker 1: but I I could see him, and I see him

442
00:21:02,119 --> 00:21:06,359
Speaker 1: nursing it like a little sip babysit. And then I

443
00:21:06,400 --> 00:21:08,880
Speaker 1: go out there later beer more than halfway in the thing,

444
00:21:09,240 --> 00:21:11,400
Speaker 1: and I'm like, oh, I hope you fool them into

445
00:21:11,440 --> 00:21:14,080
Speaker 1: thinking that you're out here just you know, getting down

446
00:21:14,119 --> 00:21:14,760
Speaker 1: with the boys.

447
00:21:15,480 --> 00:21:18,000
Speaker 2: But they love burning stuff, like just burn. I'm like,

448
00:21:18,040 --> 00:21:19,960
Speaker 2: here's we have this big pile of wood. I'm just like,

449
00:21:20,000 --> 00:21:21,640
Speaker 2: just sit here and put one piece out of time

450
00:21:21,680 --> 00:21:24,119
Speaker 2: and just burn and just like, yeah, look at us

451
00:21:24,119 --> 00:21:28,520
Speaker 2: burn and fire. Rio will he'll learn from the boys.

452
00:21:28,560 --> 00:21:30,960
Speaker 2: But it's been nice having him here, and he has

453
00:21:31,080 --> 00:21:33,800
Speaker 2: having my little brother here. It's just been because he's

454
00:21:33,800 --> 00:21:36,800
Speaker 2: so you know, he's athletic and he's fit, and so

455
00:21:36,920 --> 00:21:39,520
Speaker 2: he's been getting me walking. We went on a little

456
00:21:39,600 --> 00:21:43,120
Speaker 2: hike to this this damn this park nearby, and it's

457
00:21:43,119 --> 00:21:45,040
Speaker 2: been really nice to have like a little walking buddy.

458
00:21:45,160 --> 00:21:48,119
Speaker 2: And we went to what an orchard and you know,

459
00:21:48,160 --> 00:21:49,720
Speaker 2: we had to get the picture of the baby and

460
00:21:49,760 --> 00:21:52,680
Speaker 2: the pumpkin patch. Although I will say next year, I

461
00:21:52,720 --> 00:21:55,480
Speaker 2: will save myself the forty five minute round trip ride

462
00:21:55,960 --> 00:21:58,440
Speaker 2: and just take him to the supermarket and throw him

463
00:21:58,440 --> 00:22:02,439
Speaker 2: in been a pumpkin, because like, why why did I

464
00:22:02,440 --> 00:22:04,479
Speaker 2: pay twenty five dollars for this? Like they literally just

465
00:22:04,560 --> 00:22:06,720
Speaker 2: dump a bunch of pumpkins in a field and charge

466
00:22:06,720 --> 00:22:10,240
Speaker 2: people to take pictures for social media. And it's brilliant,

467
00:22:10,359 --> 00:22:13,280
Speaker 2: you know, it's a brilliant business move. But why why

468
00:22:13,280 --> 00:22:15,320
Speaker 2: do we need to pay for this? I could just

469
00:22:15,359 --> 00:22:19,399
Speaker 2: go to Trader Joe's and co op the pumpkin the

470
00:22:19,400 --> 00:22:21,880
Speaker 2: pumpkin bin. But it was it was nice to get out.

471
00:22:21,960 --> 00:22:23,280
Speaker 2: Did you do anything fun this weekend?

472
00:22:23,800 --> 00:22:25,600
Speaker 1: Yeah, honestly, it was a cool weekend. I went to

473
00:22:25,640 --> 00:22:28,200
Speaker 1: go visit the crazies. That's what I call my my

474
00:22:28,280 --> 00:22:30,399
Speaker 1: niece and my nephew that lived down the street, because

475
00:22:30,440 --> 00:22:30,960
Speaker 1: they're crazy.

476
00:22:31,000 --> 00:22:33,080
Speaker 2: But to like, also, who has to live so close

477
00:22:33,119 --> 00:22:33,800
Speaker 2: to them?

478
00:22:34,200 --> 00:22:36,199
Speaker 1: You know, honestly, it's it's honestly really awesome. Like if

479
00:22:36,240 --> 00:22:38,119
Speaker 1: I'm having a really bad day, I'm like, I just

480
00:22:38,160 --> 00:22:40,120
Speaker 1: called my sister. I'm like, oh, what are the crazies doing?

481
00:22:40,160 --> 00:22:42,560
Speaker 1: She's like being crazy, and I'm like I'll be there

482
00:22:42,640 --> 00:22:47,200
Speaker 1: for a minute and then whatever I call they screamed.

483
00:22:47,240 --> 00:22:48,879
Speaker 1: We just we have like a whole routine of like

484
00:22:48,920 --> 00:22:51,800
Speaker 1: screaming and making all this shenanigans a noise. And then

485
00:22:51,840 --> 00:22:53,240
Speaker 1: I leave them wilder than I found them.

486
00:22:53,280 --> 00:22:54,480
Speaker 2: She's like thanks getting them.

487
00:22:57,280 --> 00:22:59,160
Speaker 1: And then yesterday I had a nice grill and chill,

488
00:22:59,200 --> 00:23:01,399
Speaker 1: which just it's my myself and two other friends and

489
00:23:01,400 --> 00:23:03,200
Speaker 1: we were like, you know, because we've been saying we're

490
00:23:03,200 --> 00:23:04,520
Speaker 1: going to do it for the longest, I'm like, just

491
00:23:04,520 --> 00:23:07,399
Speaker 1: come over. We didn't grill, but honestly, we just we

492
00:23:07,560 --> 00:23:12,320
Speaker 1: just ate. I ordered some Portuguese barbecue, which was delicious. Bloomfield.

493
00:23:12,400 --> 00:23:16,000
Speaker 1: Let me tell you something. Bloomfield Barbecue on Bloomfield Avenue.

494
00:23:16,119 --> 00:23:17,800
Speaker 1: I don't know if that's Newark or Bloomfield, but it

495
00:23:17,800 --> 00:23:20,879
Speaker 1: has the yellow overhang. I'm not even a ribbed person.

496
00:23:21,040 --> 00:23:24,920
Speaker 1: I never had ribs like it's they it's true barbecue,

497
00:23:24,960 --> 00:23:27,960
Speaker 1: so not barbecue sauce, just the rub or whatever it's like.

498
00:23:28,640 --> 00:23:31,480
Speaker 1: And I'm not even a big meat either, but delicious,

499
00:23:31,520 --> 00:23:32,919
Speaker 1: and so we had that yesterday and it was just

500
00:23:33,040 --> 00:23:35,280
Speaker 1: nice to like hang out with, like, you know, my

501
00:23:35,440 --> 00:23:37,200
Speaker 1: it was three three girlfriends. It was four of us

502
00:23:37,200 --> 00:23:39,840
Speaker 1: and just sit outside in the backyard and do my

503
00:23:39,920 --> 00:23:42,160
Speaker 1: husband's version of like sitting on Bruski's It was more

504
00:23:42,200 --> 00:23:44,359
Speaker 1: like ginger ales. But it was just that, honestly, was

505
00:23:44,920 --> 00:23:47,000
Speaker 1: a highlight because if you all know me, I'm kind

506
00:23:47,040 --> 00:23:50,360
Speaker 1: of like a homebody and I know I'm not really

507
00:23:50,400 --> 00:23:52,640
Speaker 1: big on hanging out necessarily, So it was just nice

508
00:23:52,640 --> 00:23:54,760
Speaker 1: to have people over at the house and it's just

509
00:23:54,880 --> 00:23:56,560
Speaker 1: you know, it was a great weekend just because I

510
00:23:56,560 --> 00:23:58,080
Speaker 1: got to see the people that I cared about.

511
00:23:58,160 --> 00:24:00,800
Speaker 2: Yeah, and just like fill yourself up a little bit,

512
00:24:01,440 --> 00:24:03,840
Speaker 2: because even as a fellow introvert, you still need like

513
00:24:03,880 --> 00:24:06,840
Speaker 2: that human interaction just to feel normal. So if you're

514
00:24:06,880 --> 00:24:08,720
Speaker 2: in an entry, you can do it safely, you know,

515
00:24:08,960 --> 00:24:11,480
Speaker 2: if you have access to like outdoor space or even

516
00:24:11,600 --> 00:24:15,080
Speaker 2: just like I've seen people, you know, hanging out and

517
00:24:15,359 --> 00:24:18,560
Speaker 2: just on the street, just like setting up a couple

518
00:24:18,560 --> 00:24:21,960
Speaker 2: of chairs. I know we're my husband's from and inwood Manhattan.

519
00:24:22,040 --> 00:24:24,320
Speaker 2: I mean, you will not stop a Dominican from pulling

520
00:24:24,400 --> 00:24:26,200
Speaker 2: up at a mini van, opening the doors, training the

521
00:24:26,280 --> 00:24:28,600
Speaker 2: radio on, and like all of a sudden, there's like

522
00:24:28,640 --> 00:24:31,040
Speaker 2: six chairs outside of it and a little party going on.

523
00:24:31,560 --> 00:24:34,680
Speaker 2: We can still wear a mask and keep your distance.

524
00:24:34,720 --> 00:24:38,119
Speaker 2: But I really feel like if y'all have been and

525
00:24:38,240 --> 00:24:40,359
Speaker 2: I know people like this, if you've really been like

526
00:24:40,400 --> 00:24:42,960
Speaker 2: a gorphobic low key for the past I don't know

527
00:24:42,960 --> 00:24:44,800
Speaker 2: how long has it been. Almost a year now, it's crazy.

528
00:24:45,720 --> 00:24:48,520
Speaker 2: Just just try for like a tiny, tiny diny bit

529
00:24:48,520 --> 00:24:52,840
Speaker 2: of normalcy. Yeah, well we have. We've cried, we laughed,

530
00:24:52,880 --> 00:25:00,520
Speaker 2: we've we've lamented, we've increased our dosages of antidepressed. Yes,

531
00:25:00,680 --> 00:25:03,560
Speaker 2: so let's move on to questions. We'll be right back

532
00:25:03,920 --> 00:25:07,360
Speaker 2: if you're still here, you know, thank you.

533
00:25:40,320 --> 00:25:43,840
Speaker 1: This is how we do it. This is how we question.

534
00:25:44,600 --> 00:25:47,040
Speaker 1: No no no no no no no. I should do a

535
00:25:47,040 --> 00:25:50,399
Speaker 1: whole like nineties series of like remix for like. This

536
00:25:50,480 --> 00:25:54,119
Speaker 1: is how we question. This is how the question on

537
00:25:54,359 --> 00:25:59,120
Speaker 1: Monday night. It feels all right. Me and Mandra got

538
00:25:59,160 --> 00:26:01,920
Speaker 1: the answers for you. I mean, you know, I would

539
00:26:01,960 --> 00:26:02,680
Speaker 1: have to practice, but.

540
00:26:02,680 --> 00:26:04,560
Speaker 2: I don't would think about it and do it again.

541
00:26:04,840 --> 00:26:07,840
Speaker 2: But I love that. That's my all time favorite song

542
00:26:07,880 --> 00:26:09,640
Speaker 2: to dance you at a wedding and you're you're making

543
00:26:09,640 --> 00:26:12,520
Speaker 2: me miss like all the weddings and like receptions. Girl,

544
00:26:12,560 --> 00:26:13,359
Speaker 2: I lovely.

545
00:26:14,160 --> 00:26:15,560
Speaker 1: This is how you do it. It's your song.

546
00:26:16,480 --> 00:26:18,120
Speaker 2: It's just I don't know. That was always my song

547
00:26:18,160 --> 00:26:21,880
Speaker 2: at the cookouts when I was a kid in Georgia. Yeah,

548
00:26:21,920 --> 00:26:26,040
Speaker 2: we do all I mean, is that not a good one?

549
00:26:26,119 --> 00:26:29,919
Speaker 2: I mean that's the best anyway. Cool questions, Yes, we

550
00:26:29,960 --> 00:26:31,199
Speaker 2: have a bunch of them. You guys don't how to

551
00:26:31,200 --> 00:26:34,600
Speaker 2: reach us Instagram, Brown Ambition Podcast, hit us up there

552
00:26:34,600 --> 00:26:36,639
Speaker 2: in our DMS, or you can get at old school

553
00:26:36,680 --> 00:26:40,359
Speaker 2: and go to Briannambition Podcast at gmail dot com. Finish

554
00:26:40,400 --> 00:26:43,760
Speaker 2: your questions there. Oh my goodness, where to start. Let's see,

555
00:26:43,840 --> 00:26:47,160
Speaker 2: this was an interesting question. So this question comes from

556
00:26:47,160 --> 00:26:49,520
Speaker 2: a listener via email. Her name is Keana, and she

557
00:26:49,520 --> 00:26:52,479
Speaker 2: has a question about stock options to her employer. All right, so,

558
00:26:52,560 --> 00:26:54,879
Speaker 2: Keana says, next month, I will have the option to

559
00:26:54,920 --> 00:26:58,200
Speaker 2: purchase shares of my company stock through an employee stock

560
00:26:58,240 --> 00:27:02,320
Speaker 2: purchase plan. The purchase would be after tax payroll deduction

561
00:27:02,440 --> 00:27:05,520
Speaker 2: at a fifteen percent discount. The first time they offered

562
00:27:05,520 --> 00:27:07,840
Speaker 2: this stock option, I did not take advantage of it,

563
00:27:07,880 --> 00:27:10,920
Speaker 2: but now a second enrollment is being made available. I'm

564
00:27:11,040 --> 00:27:13,560
Speaker 2: very new to participating in the stock market. I've never

565
00:27:13,640 --> 00:27:16,320
Speaker 2: done anything other than participate with the companies for a

566
00:27:16,400 --> 00:27:19,359
Speaker 2: one K. What's your advice on how much I should

567
00:27:19,359 --> 00:27:22,800
Speaker 2: purchase as a newbie that's not very educated on what

568
00:27:22,960 --> 00:27:28,560
Speaker 2: and how to move forward? Excellent question. Excellent, I got

569
00:27:28,560 --> 00:27:32,159
Speaker 2: some thoughts. So stock purchase plan this is one of

570
00:27:32,200 --> 00:27:35,640
Speaker 2: the perks that you may have if you're lucky enough

571
00:27:35,680 --> 00:27:37,520
Speaker 2: to well, I don't know, but lucky enough. But if

572
00:27:37,520 --> 00:27:39,800
Speaker 2: you work for a company that's publicly traded, this is

573
00:27:39,840 --> 00:27:42,720
Speaker 2: one of the incentives some of them may offer employees,

574
00:27:42,760 --> 00:27:45,920
Speaker 2: which is basically saying, you know, there's The other type

575
00:27:45,920 --> 00:27:48,639
Speaker 2: of stock option is a restricted stock unit, which is

576
00:27:48,760 --> 00:27:52,399
Speaker 2: essentially the company giving you shares of stock. A stock

577
00:27:52,520 --> 00:27:56,000
Speaker 2: purchase option is where they say, you have the privilege

578
00:27:56,040 --> 00:27:58,679
Speaker 2: of purchasing our stock if you'd like it at a discount.

579
00:27:58,920 --> 00:28:01,119
Speaker 2: So it sounds like she's getting fifteen percent off of

580
00:28:01,160 --> 00:28:05,320
Speaker 2: her company stock should she choose to jump on this offer.

581
00:28:06,280 --> 00:28:09,320
Speaker 2: I mean it can be, you know, it can be.

582
00:28:09,480 --> 00:28:13,000
Speaker 2: I mean it can be. It can be. It can be.

583
00:28:13,080 --> 00:28:16,320
Speaker 2: It can be a good idea. The thing is, you know,

584
00:28:16,359 --> 00:28:19,960
Speaker 2: you have to consider this holistically across all of your investments.

585
00:28:20,040 --> 00:28:22,879
Speaker 2: So also you have to remember that this company is

586
00:28:22,960 --> 00:28:26,679
Speaker 2: paying your salary. So if you're going to purchase stock

587
00:28:26,720 --> 00:28:29,320
Speaker 2: and hold stock with the company that you also work for,

588
00:28:29,640 --> 00:28:31,280
Speaker 2: you just don't want to have too much of your

589
00:28:31,280 --> 00:28:33,840
Speaker 2: investments tied up with that company. And you also want

590
00:28:33,880 --> 00:28:36,280
Speaker 2: to think about it like this is my opinion, personal opinion,

591
00:28:36,280 --> 00:28:38,240
Speaker 2: not a stock advisor, not a financial advisor, et cetera,

592
00:28:38,240 --> 00:28:41,120
Speaker 2: et cetera. Don't come for me in the street. But

593
00:28:41,440 --> 00:28:44,360
Speaker 2: you know, you have to think like any other stock

594
00:28:44,400 --> 00:28:46,640
Speaker 2: that you're purchasing. So you're a new investor, you're you know,

595
00:28:46,720 --> 00:28:49,440
Speaker 2: you're new to maybe purchasing single stocks. You work for

596
00:28:49,480 --> 00:28:51,240
Speaker 2: the company that you work for, do you think it's

597
00:28:51,280 --> 00:28:54,040
Speaker 2: a good company with the bright future ahead of it?

598
00:28:54,160 --> 00:28:55,959
Speaker 2: Or do you know, you have a bit of an

599
00:28:56,000 --> 00:28:59,240
Speaker 2: insider's perspective on how things are going, or you know,

600
00:28:59,320 --> 00:29:02,479
Speaker 2: do you think maybe I'll take my paycheck and you know,

601
00:29:03,000 --> 00:29:05,160
Speaker 2: invest through my four to one k into you know,

602
00:29:05,280 --> 00:29:08,680
Speaker 2: mutual funds or other individual stocks instead. It's really up

603
00:29:08,720 --> 00:29:11,200
Speaker 2: to you. I would look at this kind of as

604
00:29:11,200 --> 00:29:13,360
Speaker 2: a you know, just one of the many sort of

605
00:29:13,440 --> 00:29:16,040
Speaker 2: perks that your employee that your company could offer to

606
00:29:16,080 --> 00:29:18,920
Speaker 2: you as well as other employees. But don't look don't

607
00:29:18,920 --> 00:29:21,240
Speaker 2: feel bad if you don't participate in it, because really

608
00:29:21,560 --> 00:29:23,160
Speaker 2: they are. You know, you can look at this as

609
00:29:23,240 --> 00:29:25,000
Speaker 2: like like, for example, I used to worok at the

610
00:29:25,040 --> 00:29:28,320
Speaker 2: Gap and they gave us a fifty percent discount, didn't

611
00:29:28,320 --> 00:29:29,960
Speaker 2: I know it? I used to buy so much crap,

612
00:29:30,400 --> 00:29:33,800
Speaker 2: but a fifty percent discount on Gap clothing? Okay, Well,

613
00:29:33,920 --> 00:29:35,560
Speaker 2: was it a good idea for me to buy Gap?

614
00:29:35,800 --> 00:29:39,600
Speaker 2: You know all those you know, Jean jackets and my goodness,

615
00:29:39,640 --> 00:29:42,120
Speaker 2: all the pairs of genes and all that stuff at

616
00:29:42,160 --> 00:29:44,680
Speaker 2: fifty percent off. It sure did feel like a good idea.

617
00:29:44,800 --> 00:29:47,880
Speaker 2: But I also was taking the money that they gave

618
00:29:47,960 --> 00:29:51,560
Speaker 2: me and then spending it on their stuff. So I

619
00:29:51,720 --> 00:29:55,760
Speaker 2: was like pretty much negating profit for myself from the

620
00:29:55,840 --> 00:29:59,320
Speaker 2: job that I had, which in retrospect wasn't like so smart.

621
00:29:59,720 --> 00:30:01,800
Speaker 2: But you know, you've just got to sort of look

622
00:30:01,800 --> 00:30:04,160
Speaker 2: at this as an opportunity to maybe buy some stock

623
00:30:04,200 --> 00:30:06,560
Speaker 2: in a company at a discount. That's the benefit here.

624
00:30:07,000 --> 00:30:08,880
Speaker 2: You know, someone walking off the street wanting to buy

625
00:30:08,880 --> 00:30:11,200
Speaker 2: your company stock would buy it a little bit more,

626
00:30:11,520 --> 00:30:14,080
Speaker 2: you know, have a higher price and you get a discount.

627
00:30:14,120 --> 00:30:16,280
Speaker 2: So you have to look at your whole picture and

628
00:30:16,320 --> 00:30:19,000
Speaker 2: if you feel like I'm pretty well diversified. This is

629
00:30:19,040 --> 00:30:21,440
Speaker 2: a good deal. The stock you know, could be on

630
00:30:21,480 --> 00:30:24,320
Speaker 2: the way up. Fifteen percent off is a you know,

631
00:30:24,360 --> 00:30:26,600
Speaker 2: a good discount. I'll you know, take advantage of this

632
00:30:26,640 --> 00:30:29,800
Speaker 2: opportunity to purchase it. And it also you know, let's

633
00:30:29,800 --> 00:30:32,160
Speaker 2: say you do purchase the stock at a discount, and

634
00:30:32,760 --> 00:30:35,560
Speaker 2: I don't know, once you're you know, once everything vests

635
00:30:35,600 --> 00:30:38,840
Speaker 2: and you're able to actually cash out of those shares

636
00:30:38,880 --> 00:30:41,480
Speaker 2: that you've bought, if the stock price has gone up,

637
00:30:41,840 --> 00:30:44,680
Speaker 2: like you can stand a profit more than someone who's

638
00:30:44,760 --> 00:30:46,400
Speaker 2: just walked in off the street and bought it full

639
00:30:46,680 --> 00:30:49,680
Speaker 2: quote unquote full price. So that is a benefit. But

640
00:30:49,920 --> 00:30:52,880
Speaker 2: you just have to look at it, you know, across

641
00:30:52,960 --> 00:30:55,720
Speaker 2: all of your investments and not you just don't want to,

642
00:30:55,800 --> 00:30:58,959
Speaker 2: like have way too much of your investments tied up

643
00:30:58,960 --> 00:31:01,600
Speaker 2: in the same place where you get your paycheck from.

644
00:31:02,040 --> 00:31:03,440
Speaker 2: And I could tell you the rule of thumb that

645
00:31:03,480 --> 00:31:04,720
Speaker 2: I feel like people say, but.

646
00:31:05,160 --> 00:31:06,720
Speaker 1: I was gonna say the rule of thumb, Well.

647
00:31:06,880 --> 00:31:10,560
Speaker 3: You take the rule of thumb tip Well, they say

648
00:31:10,560 --> 00:31:12,760
Speaker 3: the rule of thumb is I mean across all of

649
00:31:12,800 --> 00:31:15,880
Speaker 3: your portfolio, so all of your investments, you ideally you

650
00:31:15,880 --> 00:31:18,040
Speaker 3: don't want to have more than ten percent of like

651
00:31:18,080 --> 00:31:21,320
Speaker 3: your investments in your company's stock just in case something

652
00:31:21,320 --> 00:31:22,760
Speaker 3: happens like Lehman Brothers.

653
00:31:22,800 --> 00:31:24,920
Speaker 1: And then you don't want to be like, ah, yeah,

654
00:31:24,960 --> 00:31:26,880
Speaker 1: it's like with any stock, right, Like you don't like

655
00:31:26,960 --> 00:31:29,000
Speaker 1: all your stocks should not be Apple, all your stocks

656
00:31:29,000 --> 00:31:31,520
Speaker 1: should not be one company just because of the means

657
00:31:31,560 --> 00:31:34,960
Speaker 1: you're just leaning on this one company for or significant

658
00:31:34,960 --> 00:31:38,880
Speaker 1: amount of your of your portfolio in one particular investment.

659
00:31:39,440 --> 00:31:40,680
Speaker 1: So that is kind of like the rule of thumb.

660
00:31:40,720 --> 00:31:42,560
Speaker 1: So keep that in mind. I mean, you know, take

661
00:31:42,600 --> 00:31:45,640
Speaker 1: that with a grain of salt. But yeah, I mean,

662
00:31:46,760 --> 00:31:48,360
Speaker 1: to Manday's point, it can be. But here's the thing

663
00:31:48,360 --> 00:31:49,840
Speaker 1: that you want to be clear because I was actually

664
00:31:49,920 --> 00:31:54,800
Speaker 1: just talking to my sister, the inventor and engineer shout

665
00:31:54,800 --> 00:31:56,720
Speaker 1: to Carol. She is like, my she's our go to

666
00:31:56,800 --> 00:31:59,280
Speaker 1: stock person. Carol'll be like, I'm not that good at

667
00:31:59,280 --> 00:32:01,520
Speaker 1: stocks as she does her research and makes She literally

668
00:32:01,560 --> 00:32:03,440
Speaker 1: bought some stock the other day and made four hundred

669
00:32:03,480 --> 00:32:06,520
Speaker 1: percent back. I'm like, what do stop talking about Carol?

670
00:32:06,560 --> 00:32:08,000
Speaker 2: You know, people want to have Carol on the show,

671
00:32:08,000 --> 00:32:11,200
Speaker 2: and I'm afraid I'm afraid an off day when we

672
00:32:11,240 --> 00:32:12,600
Speaker 2: have her on the show.

673
00:32:13,160 --> 00:32:15,200
Speaker 1: She's gonna be like, no, that's not my thing. That's

674
00:32:15,240 --> 00:32:17,320
Speaker 1: like she's the mom of the craziest. I'm like, mean,

675
00:32:17,320 --> 00:32:19,400
Speaker 1: while you're doing all this while rasing the crazies anyway,

676
00:32:19,640 --> 00:32:21,720
Speaker 1: So she was just sharing that today. But the thing

677
00:32:21,760 --> 00:32:24,000
Speaker 1: that Carol was saying because I when you know, when

678
00:32:24,320 --> 00:32:27,400
Speaker 1: the current administration announced that it was you know, it

679
00:32:27,400 --> 00:32:31,479
Speaker 1: had Corona and the market reacted. I was just asking her,

680
00:32:31,520 --> 00:32:34,040
Speaker 1: we have like this like wealth or WhatsApp, and I

681
00:32:34,080 --> 00:32:36,000
Speaker 1: was like, should I buy Walmart? Should I buy? She

682
00:32:36,080 --> 00:32:39,000
Speaker 1: was like girl. Now, she was like, you know, you

683
00:32:39,080 --> 00:32:44,760
Speaker 1: want to purchase companies that have good you know, she

684
00:32:45,360 --> 00:32:48,840
Speaker 1: follows a warm buffet method, like solid companies regardless. So

685
00:32:49,120 --> 00:32:51,840
Speaker 1: she was telling me three companies that she bought more

686
00:32:51,880 --> 00:32:55,680
Speaker 1: of because she actually worked for these three companies. I

687
00:32:55,680 --> 00:32:57,800
Speaker 1: would say them, but I don't want to like you know,

688
00:32:57,920 --> 00:32:59,640
Speaker 1: I don't know, yeah, I won't And these are not

689
00:32:59,640 --> 00:33:01,480
Speaker 1: like I mean, her major companies. So she worked for

690
00:33:01,520 --> 00:33:04,800
Speaker 1: them like with their high school, college whatever. And she said,

691
00:33:04,840 --> 00:33:08,719
Speaker 1: I have seen firsthand how they navigate, how solid they are.

692
00:33:08,800 --> 00:33:11,600
Speaker 1: So she was like when things were like falling, She's like,

693
00:33:11,640 --> 00:33:13,800
Speaker 1: I just bought more of the companies that I knew

694
00:33:13,880 --> 00:33:17,680
Speaker 1: intimately from the inside. You know, we're well run companies.

695
00:33:17,920 --> 00:33:20,520
Speaker 1: That's why you know they've done well for these number

696
00:33:20,560 --> 00:33:22,479
Speaker 1: of years. So I just say that to say you

697
00:33:22,560 --> 00:33:26,640
Speaker 1: have an insider insight you work for your company. Is

698
00:33:26,680 --> 00:33:30,680
Speaker 1: it a shit show? Excuse my fronch, or is it

699
00:33:30,760 --> 00:33:32,400
Speaker 1: a solid company? If you feel like this is a

700
00:33:32,440 --> 00:33:35,680
Speaker 1: solid company, the CEO is dope, knows what she's doing.

701
00:33:35,720 --> 00:33:39,040
Speaker 1: So what I did that she heard and like, you

702
00:33:39,080 --> 00:33:40,520
Speaker 1: know what I mean. Like, so if you feel that,

703
00:33:40,600 --> 00:33:43,800
Speaker 1: then yes, then you know you don't want to just

704
00:33:43,840 --> 00:33:45,760
Speaker 1: get the stock because it's offered if you feel like

705
00:33:45,800 --> 00:33:48,040
Speaker 1: the company is on its last leg. So just keep

706
00:33:48,080 --> 00:33:48,920
Speaker 1: that in mind as well.

707
00:33:49,480 --> 00:33:53,160
Speaker 2: Absolutely, and thank you for your question. And you're new

708
00:33:53,200 --> 00:33:55,920
Speaker 2: to investing and you're doing the right thing just by

709
00:33:55,960 --> 00:34:00,080
Speaker 2: asking questions and learning. So go easy on yourself and

710
00:34:00,160 --> 00:34:03,480
Speaker 2: congrats on at least working with our company that gives

711
00:34:03,480 --> 00:34:05,560
Speaker 2: you this opportunity to build wealth. And it already sounds

712
00:34:05,600 --> 00:34:07,440
Speaker 2: like you're on the right track because you've been investing

713
00:34:07,440 --> 00:34:09,440
Speaker 2: in your four oh one K. A lot of people

714
00:34:09,560 --> 00:34:11,279
Speaker 2: take for granted that a four to one K is

715
00:34:11,320 --> 00:34:14,319
Speaker 2: investing like you're doing it. You are doing it you're

716
00:34:14,360 --> 00:34:17,080
Speaker 2: in the market. All right, Let's take another When this

717
00:34:17,080 --> 00:34:19,759
Speaker 2: comes from someone who'd like to remain anonymous, very mysterious,

718
00:34:19,800 --> 00:34:22,919
Speaker 2: that's fine, all right. This listener says, I love listening

719
00:34:22,960 --> 00:34:25,239
Speaker 2: to y'all's podcast. You guys always break it down so

720
00:34:25,280 --> 00:34:27,480
Speaker 2: that it makes sense. Oh, thank you. I was hoping

721
00:34:27,480 --> 00:34:30,200
Speaker 2: you could offer me some advice. I'm twenty eight years

722
00:34:30,200 --> 00:34:33,120
Speaker 2: old and a single mob living on one income. I've

723
00:34:33,120 --> 00:34:35,320
Speaker 2: accrued a lot of debt over the last two years,

724
00:34:35,320 --> 00:34:39,120
Speaker 2: between credit cards and debt consolidation loans. My debt is

725
00:34:39,160 --> 00:34:42,560
Speaker 2: about thirteen thousand dollars in total. I have seven thousand

726
00:34:42,560 --> 00:34:46,200
Speaker 2: dollars saved up in my savings account from tax returns

727
00:34:46,239 --> 00:34:48,719
Speaker 2: and the stimulus check that came through earlier this year.

728
00:34:49,719 --> 00:34:52,400
Speaker 2: On top of that seven thousand dollars in savings, I

729
00:34:52,440 --> 00:34:55,040
Speaker 2: have eighteen K and my four oh one K. So

730
00:34:55,120 --> 00:34:57,799
Speaker 2: my question is what it makes sense to pull the

731
00:34:57,840 --> 00:34:59,959
Speaker 2: four to one K money to pay off my debt

732
00:35:00,080 --> 00:35:03,000
Speaker 2: and give myself a clean slate. My issue is that

733
00:35:03,080 --> 00:35:05,600
Speaker 2: my bills are more than I'm making every month, so

734
00:35:05,640 --> 00:35:08,160
Speaker 2: I feel like I'm eventually just going to hit the

735
00:35:08,200 --> 00:35:12,120
Speaker 2: same issue again. I know eventually my daughter's childcare expenses

736
00:35:12,160 --> 00:35:14,200
Speaker 2: won't be as much and then hopefully at that point

737
00:35:14,239 --> 00:35:17,360
Speaker 2: I can start to break even. Thank you. Well, this

738
00:35:17,520 --> 00:35:18,399
Speaker 2: is really really tough.

739
00:35:18,760 --> 00:35:19,560
Speaker 1: It is really tough.

740
00:35:19,600 --> 00:35:23,880
Speaker 2: I'm not gonna lie, really really tough. Thirteen k and well,

741
00:35:23,920 --> 00:35:27,560
Speaker 2: it's just like recap debt thirteen k cross credit cards

742
00:35:27,600 --> 00:35:31,239
Speaker 2: and it sounds like a debt consolidation loan. She's got

743
00:35:31,280 --> 00:35:34,200
Speaker 2: seven k in the bank from savings, an eighteen K,

744
00:35:34,320 --> 00:35:35,960
Speaker 2: and a four to one K, So if she were

745
00:35:36,000 --> 00:35:39,279
Speaker 2: to take out a loan from herself or withdrawal, she's

746
00:35:39,280 --> 00:35:42,319
Speaker 2: talking about a withdrawal from her four to one K

747
00:35:42,719 --> 00:35:44,879
Speaker 2: to pay out that thirteen K, she'd be she'd pretty

748
00:35:44,960 --> 00:35:47,200
Speaker 2: much be, you know, getting rid of her account. She'd

749
00:35:47,239 --> 00:35:52,640
Speaker 2: only have a few thousand dollars left. Yeah, do you

750
00:35:52,719 --> 00:35:54,560
Speaker 2: want to start? I mean I have a couple of thoughts.

751
00:35:56,480 --> 00:35:58,880
Speaker 1: Okay, So well one, let's start with the good things.

752
00:35:59,200 --> 00:36:02,000
Speaker 1: Congratulations Mama Sita, that you were able to save seven

753
00:36:02,080 --> 00:36:04,759
Speaker 1: thousand dollars. That is not a small thing, not even

754
00:36:04,800 --> 00:36:07,319
Speaker 1: a little bit. So I want you to acknowledge that, like,

755
00:36:07,360 --> 00:36:09,560
Speaker 1: you know, a lot of people receive that money from

756
00:36:09,560 --> 00:36:12,480
Speaker 1: the care the Stimulus plan and the Cares Act, whatever, right.

757
00:36:12,480 --> 00:36:14,480
Speaker 1: So a lot of people receive that money and have nothing,

758
00:36:14,840 --> 00:36:17,000
Speaker 1: which you know that happens as well. But the fact

759
00:36:17,040 --> 00:36:20,480
Speaker 1: that you're able to set aside seven thousand, that's tremendous.

760
00:36:20,480 --> 00:36:26,160
Speaker 1: So clap for yourself. Two, here's my concern. I'll give

761
00:36:26,200 --> 00:36:27,680
Speaker 1: you the advice that I gave a friend of mine

762
00:36:27,719 --> 00:36:29,880
Speaker 1: who was like, my friend wants to borrow money from me.

763
00:36:30,560 --> 00:36:32,360
Speaker 1: And I was like, okay. I was like, you know,

764
00:36:32,440 --> 00:36:34,520
Speaker 1: she's like, my friend wants to borrow two thousand dollars.

765
00:36:34,560 --> 00:36:36,320
Speaker 1: This is a friend that's kind of like always struggling.

766
00:36:37,040 --> 00:36:38,840
Speaker 1: And she's like, do you think I should lend it

767
00:36:38,880 --> 00:36:41,080
Speaker 1: to her? And I said this, and I'm gonna I

768
00:36:41,120 --> 00:36:43,440
Speaker 1: want you to answer this, even though you're lending to yourself,

769
00:36:44,120 --> 00:36:47,439
Speaker 1: will you lend will? I told her, will, let's pretend

770
00:36:47,480 --> 00:36:49,600
Speaker 1: to my friend is name Julia, and she wants to

771
00:36:49,640 --> 00:36:52,919
Speaker 1: lend her a friend named Clara. If Julia, if you

772
00:36:53,040 --> 00:36:57,200
Speaker 1: lend Clara this money, does it fix the problem? So

773
00:36:57,280 --> 00:37:00,360
Speaker 1: does this two thousand dollars fix the problem? And she

774
00:37:00,560 --> 00:37:02,520
Speaker 1: was like no, I said, well how not? She was like, well,

775
00:37:02,520 --> 00:37:07,439
Speaker 1: because honestly, Clara, like you anonymous, is behind every month

776
00:37:07,520 --> 00:37:10,160
Speaker 1: because her bills are more than what her expenses are.

777
00:37:10,360 --> 00:37:12,240
Speaker 1: I said, So it's not going to fix the problem,

778
00:37:12,600 --> 00:37:17,160
Speaker 1: then I wouldn't. It doesn't like that's not like you're one,

779
00:37:17,200 --> 00:37:19,160
Speaker 1: you're never going to see your money back. This is

780
00:37:19,160 --> 00:37:21,320
Speaker 1: a mean to you talking to you anonymous to yourself,

781
00:37:21,400 --> 00:37:24,000
Speaker 1: and also Julia to Clara. And then two, it's actually

782
00:37:24,000 --> 00:37:26,080
Speaker 1: not going to fix the problem, but it'll enhance the

783
00:37:26,120 --> 00:37:29,080
Speaker 1: problem because now you don't have money for retirement now

784
00:37:29,800 --> 00:37:33,160
Speaker 1: because you're already you already have these debt consolidation loans.

785
00:37:33,200 --> 00:37:35,320
Speaker 1: It means that you've already tried to fix the problem

786
00:37:35,360 --> 00:37:39,400
Speaker 1: in this way and borrowing money to fit to just

787
00:37:39,480 --> 00:37:42,160
Speaker 1: delay coming right back here again. You're you're right, You're

788
00:37:42,160 --> 00:37:44,360
Speaker 1: going to be right back here again. So to me,

789
00:37:45,000 --> 00:37:48,359
Speaker 1: the real problem that you're needing to solve is how

790
00:37:48,360 --> 00:37:51,000
Speaker 1: to make more. That is really the problem you need

791
00:37:51,040 --> 00:37:53,879
Speaker 1: to solve. Does that look like asking for a raise

792
00:37:53,920 --> 00:37:57,360
Speaker 1: at work? Does that look like side hustling? I know

793
00:37:57,400 --> 00:37:58,840
Speaker 1: you have you know you're a single mom, so I

794
00:37:58,960 --> 00:38:01,560
Speaker 1: know how hard that must be. Does that look like

795
00:38:02,120 --> 00:38:04,640
Speaker 1: looking interviewing now to see if you can find a

796
00:38:04,680 --> 00:38:07,040
Speaker 1: position that's going to pay you more. You have to

797
00:38:07,080 --> 00:38:10,440
Speaker 1: figure out how to inject more income into your household,

798
00:38:10,800 --> 00:38:12,640
Speaker 1: or else you will be right back here and then

799
00:38:12,880 --> 00:38:14,800
Speaker 1: there will be no four to one K, no saving,

800
00:38:14,840 --> 00:38:17,759
Speaker 1: nothing to fall back on. And so that's what I say,

801
00:38:17,840 --> 00:38:19,799
Speaker 1: is that, like I would leave my four one K

802
00:38:19,840 --> 00:38:22,440
Speaker 1: alone because it's not going to fix the problem as

803
00:38:22,480 --> 00:38:26,239
Speaker 1: far as your savings are concerned. Would is that at

804
00:38:26,360 --> 00:38:30,000
Speaker 1: least three months of your bare bones essential expensive I

805
00:38:30,040 --> 00:38:31,520
Speaker 1: call that in your noodle budget. Is that at least

806
00:38:31,560 --> 00:38:34,799
Speaker 1: three months, ideally six months if it's at least three

807
00:38:34,800 --> 00:38:37,480
Speaker 1: months if there's excess, So let's just say three months

808
00:38:37,520 --> 00:38:40,040
Speaker 1: for you is six thousand dollars or five thousand dollars,

809
00:38:40,120 --> 00:38:42,080
Speaker 1: and you want to put some of the other towards

810
00:38:42,080 --> 00:38:45,600
Speaker 1: the principle of what you owe the excess, Okay, But

811
00:38:45,840 --> 00:38:48,040
Speaker 1: I would not drain my savings of emergency. You have

812
00:38:48,040 --> 00:38:50,560
Speaker 1: a kid, so emergencies in more important now than ever.

813
00:38:51,000 --> 00:38:53,080
Speaker 1: And I would not drain my retirement account for a

814
00:38:53,080 --> 00:38:55,400
Speaker 1: problem that's not really going to be fixed. I would

815
00:38:55,480 --> 00:38:58,239
Speaker 1: focus on the solution of how can I make more

816
00:38:58,280 --> 00:38:59,560
Speaker 1: money in this household?

817
00:39:00,160 --> 00:39:02,040
Speaker 2: How can you make more money? I mean, she mentions

818
00:39:02,080 --> 00:39:05,440
Speaker 2: it sounds like no matter what she does, her bills

819
00:39:05,520 --> 00:39:08,279
Speaker 2: are more than her income monthly, which I think is

820
00:39:08,320 --> 00:39:11,759
Speaker 2: a real I mean, that's really the crux of the

821
00:39:11,800 --> 00:39:13,960
Speaker 2: issue here. She's just in the red no matter what

822
00:39:14,040 --> 00:39:17,040
Speaker 2: she does. And she mentions her daughter's childcare, and that's

823
00:39:17,080 --> 00:39:19,600
Speaker 2: definitely one of the expenses where it's not the first

824
00:39:19,640 --> 00:39:21,279
Speaker 2: line item you're going to try and cut because the

825
00:39:21,360 --> 00:39:23,200
Speaker 2: quality is care for your child. I mean, I can't

826
00:39:23,239 --> 00:39:26,279
Speaker 2: even imagine, especially in times like this, you want to

827
00:39:26,280 --> 00:39:29,160
Speaker 2: give your child the best. If there's any other bills

828
00:39:29,160 --> 00:39:32,560
Speaker 2: that can be tweaked or cut or sacrificed, you can

829
00:39:32,600 --> 00:39:35,920
Speaker 2: start there, although I honestly think you probably already have

830
00:39:36,000 --> 00:39:39,080
Speaker 2: at this point. Then whatever you can as a single

831
00:39:39,080 --> 00:39:41,680
Speaker 2: mom though, and listen, I was raised by a single mom.

832
00:39:41,719 --> 00:39:43,920
Speaker 2: My mom had four kids under the age of what

833
00:39:44,080 --> 00:39:46,399
Speaker 2: twelve that she was raised all under the age of twelve,

834
00:39:46,400 --> 00:39:48,839
Speaker 2: four kids once she was raising by herself. And I

835
00:39:48,920 --> 00:39:50,560
Speaker 2: was just who was I talking to about this the

836
00:39:50,560 --> 00:39:52,640
Speaker 2: other day? Maybe was my therapist or I don't know.

837
00:39:53,080 --> 00:39:55,759
Speaker 2: But I've given my mother so much credit because she

838
00:39:55,840 --> 00:39:58,400
Speaker 2: asked for help from family and friends when she was

839
00:39:58,400 --> 00:40:02,600
Speaker 2: really struggling. Looked like my uncle and aunt letting her

840
00:40:03,400 --> 00:40:06,640
Speaker 2: rent our house from them that they owned it. Looked

841
00:40:06,760 --> 00:40:10,759
Speaker 2: like friends at work giving her presence to give to

842
00:40:10,880 --> 00:40:14,760
Speaker 2: us for Christmas. It looked like a lot of different things.

843
00:40:14,880 --> 00:40:18,440
Speaker 2: And if you have, if you have help available to you,

844
00:40:18,440 --> 00:40:21,640
Speaker 2: you know you really I feel like there's there's options

845
00:40:21,680 --> 00:40:23,720
Speaker 2: out there, especially as a single mother with a child,

846
00:40:23,800 --> 00:40:26,120
Speaker 2: if you're if your income is on let's pay for

847
00:40:26,160 --> 00:40:29,840
Speaker 2: your essentials right now. There may be public assistants available

848
00:40:29,880 --> 00:40:33,959
Speaker 2: for you, you know, snap, you know, food stamps, other

849
00:40:34,160 --> 00:40:37,920
Speaker 2: types of public assistance that is there for people in

850
00:40:37,960 --> 00:40:40,920
Speaker 2: situations that you're in. And there's no shame in that, No,

851
00:40:40,920 --> 00:40:43,640
Speaker 2: no shame in that at all. So I would say,

852
00:40:43,640 --> 00:40:46,480
Speaker 2: ask for help, because you're in a very difficult situation.

853
00:40:46,600 --> 00:40:49,040
Speaker 2: So I would start asking friends, I would ask family,

854
00:40:49,080 --> 00:40:51,840
Speaker 2: I would ask other single moms, if you know, anybody

855
00:40:51,840 --> 00:40:54,560
Speaker 2: you know have any resources been helpful to you, your

856
00:40:54,560 --> 00:40:56,719
Speaker 2: local food bank that can help you cut down on

857
00:40:56,800 --> 00:41:00,400
Speaker 2: grocery expenses. I think, especially as a mom, you know,

858
00:41:00,400 --> 00:41:02,759
Speaker 2: we went from like a two income household middle like

859
00:41:02,880 --> 00:41:05,680
Speaker 2: pretty you know, lower middle class but like solidly okay,

860
00:41:06,320 --> 00:41:10,320
Speaker 2: to you know, being you know, like the vivid memories

861
00:41:10,360 --> 00:41:12,480
Speaker 2: of like being in line at a grocery store and

862
00:41:12,480 --> 00:41:14,440
Speaker 2: having my mom just like slowly take things out of

863
00:41:14,440 --> 00:41:16,680
Speaker 2: the cart when she realized she wasn't going to you know,

864
00:41:16,719 --> 00:41:18,680
Speaker 2: make the bill or you know, at the checkout line.

865
00:41:18,719 --> 00:41:21,680
Speaker 2: And you're used to living a certain way and being

866
00:41:21,680 --> 00:41:24,680
Speaker 2: able to buy certain things because that's you know, that's

867
00:41:24,719 --> 00:41:26,439
Speaker 2: what you're used to and that's what's normal. But when

868
00:41:26,480 --> 00:41:29,879
Speaker 2: your income is so reduced, there's a new normal. And

869
00:41:29,960 --> 00:41:33,680
Speaker 2: it's so hard because it feels like this isn't right.

870
00:41:33,840 --> 00:41:36,000
Speaker 2: I want to go back to how things were. I

871
00:41:36,040 --> 00:41:38,640
Speaker 2: can only empathize with that, and you know, commend you

872
00:41:38,680 --> 00:41:41,520
Speaker 2: for being strong, but I really hope that you can

873
00:41:41,560 --> 00:41:44,000
Speaker 2: find some And you know, you haven't mentioned where you live,

874
00:41:44,160 --> 00:41:46,800
Speaker 2: but I so we can't give like more specific advice,

875
00:41:46,840 --> 00:41:49,799
Speaker 2: but I would say, look at your state. Look what

876
00:41:50,320 --> 00:41:54,719
Speaker 2: is available to you through churches, through like local community programs,

877
00:41:54,760 --> 00:41:58,040
Speaker 2: anything that can help you stop needing to dig yourself

878
00:41:58,080 --> 00:42:00,680
Speaker 2: into more debt. And I would hold on every penny

879
00:42:00,719 --> 00:42:03,400
Speaker 2: you can, hold on to all those coins and your savings,

880
00:42:03,400 --> 00:42:05,200
Speaker 2: hold on to all the money in your for one k,

881
00:42:05,920 --> 00:42:09,080
Speaker 2: Like that's amazing that you even have eighteen thousand dollars

882
00:42:09,120 --> 00:42:11,759
Speaker 2: at twenty eight years old. Like you're a smart lady. Yeah,

883
00:42:11,800 --> 00:42:13,879
Speaker 2: your daughter is very lucky to have you. I would

884
00:42:13,880 --> 00:42:14,520
Speaker 2: hold on to that.

885
00:42:14,600 --> 00:42:17,080
Speaker 1: And asking for help also means like reaching out to

886
00:42:17,120 --> 00:42:20,880
Speaker 1: your service providers and saying, hey, I'm struggling, like you know,

887
00:42:21,040 --> 00:42:26,400
Speaker 1: your phone company, insurance, like car insurance, whoever those are.

888
00:42:26,480 --> 00:42:29,360
Speaker 1: So to Mandy's port, that's like, honestly, Mandy like such

889
00:42:29,560 --> 00:42:32,279
Speaker 1: amazing empathetic advice. But I just wanted to add that that, like,

890
00:42:32,600 --> 00:42:35,399
Speaker 1: help can also come from the places that you paid

891
00:42:35,400 --> 00:42:38,760
Speaker 1: bills to, especially now more than ever, because it's a pandemic,

892
00:42:38,800 --> 00:42:42,040
Speaker 1: and many of them have hardship programs in place, so

893
00:42:42,200 --> 00:42:44,840
Speaker 1: ask about them. They may have a freeze on interest,

894
00:42:44,920 --> 00:42:48,040
Speaker 1: they might have a freeze on payment or forbearance or deferment.

895
00:42:48,160 --> 00:42:51,800
Speaker 2: So yeah, so yeah, exactly. We've got a good page

896
00:42:51,840 --> 00:42:54,280
Speaker 2: at Magnified Money of all the banks that are offering

897
00:42:54,960 --> 00:42:58,360
Speaker 2: relief in terms of COVID, pretty much every bank is.

898
00:42:58,440 --> 00:43:01,279
Speaker 2: I mean in some way, shape or form. It may

899
00:43:01,320 --> 00:43:04,000
Speaker 2: not be amazing, but call and ask and even you

900
00:43:04,000 --> 00:43:05,400
Speaker 2: know for that. And I don't think this is right

901
00:43:05,440 --> 00:43:07,520
Speaker 2: for you necessarily in my personal opinion, for you to

902
00:43:07,520 --> 00:43:09,239
Speaker 2: dip into your four one k, but for those of

903
00:43:09,239 --> 00:43:13,120
Speaker 2: you who are running out of options and maybe withdrawing

904
00:43:13,120 --> 00:43:15,160
Speaker 2: from your four to one K is something that you're considering.

905
00:43:15,600 --> 00:43:17,600
Speaker 2: Y'all should know that with the Cares Act, one of

906
00:43:17,640 --> 00:43:19,919
Speaker 2: the things that they passed in that relief the only

907
00:43:19,960 --> 00:43:23,000
Speaker 2: relief bill so far, was the ability to withdraw from

908
00:43:23,000 --> 00:43:24,440
Speaker 2: your four to one k and not get hit with

909
00:43:24,480 --> 00:43:28,160
Speaker 2: that ten percent. It's like up to one hundred thousand

910
00:43:28,160 --> 00:43:30,560
Speaker 2: dollars or something like that, So check the IRS dot

911
00:43:30,600 --> 00:43:33,520
Speaker 2: gov for specifics. But anyway, thank you so much for

912
00:43:33,520 --> 00:43:35,439
Speaker 2: your question. Our hearts go out to you. We hope

913
00:43:35,440 --> 00:43:37,520
Speaker 2: this was helpful, and you can always hit me. I'm

914
00:43:37,520 --> 00:43:39,440
Speaker 2: gonna hit you up on instant and respond to you.

915
00:43:39,480 --> 00:43:42,279
Speaker 2: But yeah, well we really hope you get help. But

916
00:43:42,920 --> 00:43:46,120
Speaker 2: I don't. Yeah. I oh, single mom, single moms, single moms.

917
00:43:46,200 --> 00:43:48,600
Speaker 2: I just love I just oh my heart for y'all.

918
00:43:48,600 --> 00:43:52,600
Speaker 2: I it's so hard, it's so hard. It's so hard.

919
00:43:52,719 --> 00:43:53,680
Speaker 2: Ten times it is.

920
00:43:53,960 --> 00:43:54,560
Speaker 1: I can't even.

921
00:43:54,640 --> 00:43:59,080
Speaker 2: Yeah, So thank you for asking and thanks for your question.

922
00:43:59,760 --> 00:44:03,840
Speaker 2: All right, missy, I hear a very cranky baby up above.

923
00:44:06,920 --> 00:44:08,960
Speaker 1: Twinkle twink a little reo.

924
00:44:10,080 --> 00:44:12,960
Speaker 2: Oh. My two cousins responded, One said done, the other

925
00:44:13,000 --> 00:44:15,320
Speaker 2: one said I am registered period.

926
00:44:15,320 --> 00:44:18,640
Speaker 1: Yes, and it's just basically leave me alone Facebook. Someone

927
00:44:18,719 --> 00:44:21,160
Speaker 1: was like, we're gonna check out all the social media platforms.

928
00:44:21,239 --> 00:44:23,440
Speaker 2: Yes, like but for real though, I'm gonna call my

929
00:44:23,440 --> 00:44:25,680
Speaker 2: great uncles next because I don't know. I'm like, can

930
00:44:25,719 --> 00:44:28,520
Speaker 2: y'all get a carpool going, you know, vote in person,

931
00:44:28,640 --> 00:44:32,600
Speaker 2: vote in person? All right, let's uh brown boost brown break.

932
00:44:32,960 --> 00:44:35,959
Speaker 1: It's time for brown Well no.

933
00:44:36,320 --> 00:44:38,400
Speaker 2: What was it brown?

934
00:44:45,600 --> 00:44:48,600
Speaker 1: Anyway? It's time boost a break? No it was Mickey mouth.

935
00:44:48,719 --> 00:44:52,240
Speaker 1: Oh no, And now it's time to boost a break

936
00:44:52,360 --> 00:44:56,760
Speaker 1: for all my family there, go, is you going to boost?

937
00:44:57,200 --> 00:44:59,840
Speaker 1: Is you going to break? What you're going to do? Many?

938
00:45:01,000 --> 00:45:04,720
Speaker 2: Yes? I love that like fat Albert mouse, nicky bounce

939
00:45:05,040 --> 00:45:05,560
Speaker 2: yees that.

940
00:45:05,600 --> 00:45:06,640
Speaker 1: Is a fat Albert mouth.

941
00:45:07,040 --> 00:45:11,120
Speaker 2: Hey, hey, hey combination. I'm going to do a brown

942
00:45:11,239 --> 00:45:14,480
Speaker 2: boost because I'm feeling very positive today. I'm going to

943
00:45:14,520 --> 00:45:17,640
Speaker 2: do a brown boost for me again. Dusting off my

944
00:45:17,800 --> 00:45:20,480
Speaker 2: Apple Watch, which I literally had not put on my

945
00:45:20,560 --> 00:45:24,520
Speaker 2: wrist since February seventeenth of twenty twenty. I had not

946
00:45:24,560 --> 00:45:27,160
Speaker 2: put it on my wrist, but I had really gotten

947
00:45:27,160 --> 00:45:29,839
Speaker 2: into I mean, I have my peloton and it's great,

948
00:45:29,880 --> 00:45:33,560
Speaker 2: and people who are asking, I've loved my peloton, but

949
00:45:33,920 --> 00:45:36,880
Speaker 2: I have forced myself with my brother being here and

950
00:45:36,920 --> 00:45:39,440
Speaker 2: my sister is my new like accountability buddy, even though

951
00:45:39,480 --> 00:45:42,319
Speaker 2: she lives in Wisconsin. To get myself out of the

952
00:45:42,400 --> 00:45:45,440
Speaker 2: damn house, I think I have become like a little loki,

953
00:45:45,719 --> 00:45:49,120
Speaker 2: agoraphobic or just like too comfortable not leaving the house. Tiffany,

954
00:45:49,120 --> 00:45:52,160
Speaker 2: I know you can probably relate, but it's really annoying

955
00:45:52,200 --> 00:45:55,160
Speaker 2: to me how beneficial just going for a walk has

956
00:45:55,200 --> 00:45:57,319
Speaker 2: been to my mental health, and like how I feel

957
00:45:57,320 --> 00:46:00,600
Speaker 2: about my day annoying to me because I'm just like

958
00:46:00,640 --> 00:46:03,560
Speaker 2: why my brain gets in these funks where I just

959
00:46:03,680 --> 00:46:07,080
Speaker 2: cannot convince myself to put on a pair of shoes

960
00:46:07,120 --> 00:46:09,239
Speaker 2: and leave the house and walk out of the door.

961
00:46:09,640 --> 00:46:12,080
Speaker 2: And yet when I do, I feel so much better.

962
00:46:12,320 --> 00:46:15,000
Speaker 2: Like what I just I don't it seems like such

963
00:46:15,040 --> 00:46:18,120
Speaker 2: a burden and so hard to do, And I'm not

964
00:46:18,160 --> 00:46:21,000
Speaker 2: gonna lie there. Some days when it really feels like

965
00:46:21,800 --> 00:46:24,040
Speaker 2: I can't bring myself to leave the house, I don't

966
00:46:24,040 --> 00:46:26,600
Speaker 2: have the energy. There's so many good excuses and good

967
00:46:26,640 --> 00:46:29,520
Speaker 2: reasons why I can't. But slowly but surely, I am

968
00:46:29,560 --> 00:46:31,640
Speaker 2: trying to get back on it. And my Apple Watch

969
00:46:31,719 --> 00:46:34,400
Speaker 2: has been helping because I love a competition so me

970
00:46:34,440 --> 00:46:38,280
Speaker 2: and my husband are competing, and I'm feeling a lot better.

971
00:46:38,680 --> 00:46:42,480
Speaker 2: Free good mental health therapy. Get outside, y'all try to

972
00:46:42,520 --> 00:46:43,920
Speaker 2: at least no.

973
00:46:44,200 --> 00:46:48,640
Speaker 1: Honestly, that is excellent because you know, I just you

974
00:46:48,680 --> 00:46:50,319
Speaker 1: have this basically, it's almost like you have to stack

975
00:46:50,400 --> 00:46:52,960
Speaker 1: up against what the world is offering. So I think

976
00:46:53,000 --> 00:46:57,000
Speaker 1: that's excellent. Get on you. I'm gonna also boost. I'm

977
00:46:57,040 --> 00:46:58,640
Speaker 1: gonna boost for like a lesson I learned. So I

978
00:46:58,640 --> 00:47:00,759
Speaker 1: told you I had like the grill and chill, and

979
00:47:00,880 --> 00:47:02,359
Speaker 1: I have a new friend that came over. Her name

980
00:47:02,400 --> 00:47:06,319
Speaker 1: is Maria. And there's this thing that I was been

981
00:47:06,360 --> 00:47:08,680
Speaker 1: saying for like the last couple of years, and I

982
00:47:08,719 --> 00:47:10,360
Speaker 1: realize I've been saying it to kind of like a

983
00:47:10,400 --> 00:47:14,080
Speaker 1: guest hold myself back from achieving. And I would always say, like, oh,

984
00:47:14,200 --> 00:47:17,480
Speaker 1: you know, this level of success I'm good with, but like, oh, man,

985
00:47:17,800 --> 00:47:19,840
Speaker 1: I can only imagine the kind of work that Beyonce

986
00:47:19,960 --> 00:47:22,080
Speaker 1: and Oprah have to do. I'm not willing to do

987
00:47:22,120 --> 00:47:24,600
Speaker 1: that much work to get that level of success. So

988
00:47:24,600 --> 00:47:28,680
Speaker 1: I've been telling myself that that I couldn't possibly put

989
00:47:28,680 --> 00:47:30,439
Speaker 1: in the level of work that they must do, because

990
00:47:30,440 --> 00:47:31,960
Speaker 1: you know that's I mean it sounds like, you know,

991
00:47:32,320 --> 00:47:34,400
Speaker 1: it makes sense, but I realized that was just limiting

992
00:47:34,440 --> 00:47:37,000
Speaker 1: beliefs and thoughts. So I happened to say that during

993
00:47:37,000 --> 00:47:39,040
Speaker 1: our grill and chill and she was like, I don't

994
00:47:39,040 --> 00:47:40,960
Speaker 1: believe that. She said, this is what I tell my

995
00:47:41,040 --> 00:47:45,000
Speaker 1: kids when they say that they're not able to do something.

996
00:47:45,520 --> 00:47:48,319
Speaker 1: She said, I remind them that what that really means,

997
00:47:48,360 --> 00:47:50,840
Speaker 1: what they're really saying is I need help. She said,

998
00:47:50,880 --> 00:47:54,880
Speaker 1: how do you think Oprah Beyonce, Michelle Obama achieve and

999
00:47:54,880 --> 00:47:59,239
Speaker 1: accomplish at that level They don't do it because they're

1000
00:47:59,280 --> 00:48:03,680
Speaker 1: all alone. Is that they have gotten really good at

1001
00:48:03,760 --> 00:48:07,600
Speaker 1: maximizing their community and getting help. And I just like

1002
00:48:07,640 --> 00:48:09,640
Speaker 1: it was such an AHA moment because honestly, many I've

1003
00:48:09,640 --> 00:48:12,320
Speaker 1: been saying that, oh, well, like, you know, I'm not

1004
00:48:12,360 --> 00:48:14,319
Speaker 1: gonna be Opra level because I'm not willing to put

1005
00:48:14,320 --> 00:48:17,160
Speaker 1: in Oprah work. And I'm like, girl who taught you that? Yes,

1006
00:48:17,680 --> 00:48:22,080
Speaker 1: internally I tell my what I'm like now, but you know,

1007
00:48:22,160 --> 00:48:25,360
Speaker 1: and internally I've been telling myself that. And I was like, wow,

1008
00:48:25,400 --> 00:48:27,240
Speaker 1: but it's just something I feel like I've been saying

1009
00:48:27,320 --> 00:48:30,680
Speaker 1: at a fear thinking that like I would not be

1010
00:48:30,760 --> 00:48:33,240
Speaker 1: capable or able to take myself to the next level.

1011
00:48:33,400 --> 00:48:34,880
Speaker 1: So it was just like it was a release that

1012
00:48:34,920 --> 00:48:37,520
Speaker 1: I needed that a reminder that if for whatever reason,

1013
00:48:37,560 --> 00:48:40,080
Speaker 1: I'm unable to do something, it's just a signal that

1014
00:48:40,120 --> 00:48:42,279
Speaker 1: I need help. It just means that I need to

1015
00:48:42,320 --> 00:48:45,319
Speaker 1: hire somebody, I need to talk, I need to reach out.

1016
00:48:45,360 --> 00:48:47,799
Speaker 1: And I just wanted to share that because you might have,

1017
00:48:48,040 --> 00:48:49,600
Speaker 1: like you know, be a listeners, you might have some

1018
00:48:49,760 --> 00:48:53,800
Speaker 1: limiting thoughts and stories that you're kind of telling yourself

1019
00:48:53,960 --> 00:48:57,160
Speaker 1: that I'm not able, I'm that capable, especially anonymous, that

1020
00:48:57,360 --> 00:48:59,480
Speaker 1: what you're really saying is that I need help, and

1021
00:49:00,239 --> 00:49:02,919
Speaker 1: help is help is available for those who ask. There's

1022
00:49:02,960 --> 00:49:05,040
Speaker 1: a great I don't know if it's like I guess

1023
00:49:05,040 --> 00:49:08,760
Speaker 1: it's a quote and it just goes a problem shared

1024
00:49:08,960 --> 00:49:13,120
Speaker 1: is a problem solved. So you know that in sharing

1025
00:49:13,160 --> 00:49:17,320
Speaker 1: what's happening and in asking externally for help, the solution

1026
00:49:17,440 --> 00:49:19,080
Speaker 1: is somewhere out there. It's going to meet you. So

1027
00:49:19,120 --> 00:49:20,600
Speaker 1: I just you know, it was just like, honestly it

1028
00:49:20,640 --> 00:49:22,600
Speaker 1: was when I tell you it's such a small thing

1029
00:49:22,640 --> 00:49:25,120
Speaker 1: but such a life changing lesson because I was like, wait,

1030
00:49:25,239 --> 00:49:26,920
Speaker 1: so for the last ten years I've been saying that

1031
00:49:27,560 --> 00:49:29,759
Speaker 1: you made it tell me that's not true, and I'm like,

1032
00:49:29,840 --> 00:49:33,880
Speaker 1: so I'm releasing myself of I can't possibly achieve Oprah

1033
00:49:34,040 --> 00:49:37,160
Speaker 1: level or Beyonce level, who says they have help and

1034
00:49:37,200 --> 00:49:39,760
Speaker 1: all I need is help, And so that's my boost.

1035
00:49:40,160 --> 00:49:44,320
Speaker 2: Of course you can do with budgetist da Ye Bunge

1036
00:49:44,360 --> 00:49:45,880
Speaker 2: of Nie Dayance.

1037
00:49:47,400 --> 00:49:47,800
Speaker 1: I don't.

1038
00:49:47,960 --> 00:49:50,120
Speaker 2: Yeah, of course you can do it. It's just like

1039
00:49:50,360 --> 00:49:52,600
Speaker 2: everyone's got their own version of imposter syndrome. And I

1040
00:49:52,680 --> 00:49:55,240
Speaker 2: realized it's not something that just all of a sudden

1041
00:49:55,320 --> 00:49:58,319
Speaker 2: you train yourself out of it. It's like it creeps up,

1042
00:49:58,560 --> 00:50:01,040
Speaker 2: it creeps up. And remember one time I was like

1043
00:50:01,080 --> 00:50:03,000
Speaker 2: trying to convince someone that I was going to write

1044
00:50:03,000 --> 00:50:06,160
Speaker 2: a book called The Power of Low Expectations and how

1045
00:50:06,160 --> 00:50:11,400
Speaker 2: everyone should just low walk expectations and they'd be so

1046
00:50:11,520 --> 00:50:13,880
Speaker 2: much happier. And my friend was looking at me like,

1047
00:50:14,760 --> 00:50:15,959
Speaker 2: no one's gonna buy this ship.

1048
00:50:16,719 --> 00:50:18,680
Speaker 1: It's real depressing, it's hilarious.

1049
00:50:19,840 --> 00:50:21,880
Speaker 2: And then I was like, maybe I was in a

1050
00:50:22,000 --> 00:50:24,439
Speaker 2: very dark, like a sad place in my life where

1051
00:50:24,440 --> 00:50:27,160
Speaker 2: I wasn't really happy with what was happening. But yeah,

1052
00:50:27,200 --> 00:50:30,120
Speaker 2: I'm that's that's that's beautiful. And again it's all about

1053
00:50:30,120 --> 00:50:33,520
Speaker 2: like it's asking for help and and being brave enough

1054
00:50:33,560 --> 00:50:35,920
Speaker 2: to say that you want it so that you can

1055
00:50:35,960 --> 00:50:39,880
Speaker 2: start attracting that help and attracting that energy. What are

1056
00:50:39,880 --> 00:50:42,040
Speaker 2: you talking. You're gonna like, get out of here. You're

1057
00:50:42,040 --> 00:50:46,000
Speaker 2: gonna have like your your your your own network, your

1058
00:50:46,000 --> 00:50:50,839
Speaker 2: own Molly Moore action figure. Pixar is probably gonna come

1059
00:50:50,920 --> 00:50:54,200
Speaker 2: knocking to turn Molly Moore to a movie. I want

1060
00:50:54,200 --> 00:50:57,720
Speaker 2: tickets to the premiere. That's awesome, though.

1061
00:50:58,239 --> 00:51:00,840
Speaker 1: Yeah, thank you. Honestly, it's just like I said, it

1062
00:51:01,080 --> 00:51:02,640
Speaker 1: will leasse me. And I would really love to hear

1063
00:51:02,680 --> 00:51:05,160
Speaker 1: from BA, like whether you email us, you tag me

1064
00:51:05,320 --> 00:51:09,200
Speaker 1: the budgetista or Mandy money, especially on ig like what

1065
00:51:09,400 --> 00:51:12,439
Speaker 1: are what is a limiting belief that you're like, wait,

1066
00:51:13,160 --> 00:51:15,480
Speaker 1: who told me that was true? That maybe this triggered?

1067
00:51:15,560 --> 00:51:19,000
Speaker 1: Like I do tell myself, I can't because I would

1068
00:51:19,080 --> 00:51:21,000
Speaker 1: love to know what that is so I can give

1069
00:51:21,040 --> 00:51:24,279
Speaker 1: you the opposite belief. Someone just literally changed my whole

1070
00:51:24,280 --> 00:51:27,080
Speaker 1: perspective by saying no, I just tell my kid. No

1071
00:51:27,160 --> 00:51:28,840
Speaker 1: doesn't mean you can't do it. It just means that you

1072
00:51:28,840 --> 00:51:31,400
Speaker 1: you need help. And I was like, life change. So

1073
00:51:31,440 --> 00:51:33,200
Speaker 1: I would love Mandy and I would look look on

1074
00:51:33,239 --> 00:51:35,719
Speaker 1: volunteering Mandy Magee and I would love to do that

1075
00:51:35,760 --> 00:51:39,400
Speaker 1: for you. So tag us. It's the BA podcast on IG.

1076
00:51:39,440 --> 00:51:43,719
Speaker 2: Right, absolutely not. It is Brand Ambition podcast on Instagram,

1077
00:51:43,760 --> 00:51:48,160
Speaker 2: but that's also our Twitter handle. I should check, inde

1078
00:51:48,239 --> 00:51:50,520
Speaker 2: if Brown Ambition is available on Twitter. It wasn't five

1079
00:51:50,560 --> 00:51:51,839
Speaker 2: years ago, but maybe I should check.

1080
00:51:51,960 --> 00:51:54,319
Speaker 1: Yes, we should so, yeah, so Brown Ambition on IG.

1081
00:51:54,480 --> 00:51:56,360
Speaker 1: We would love to tag us in the story and

1082
00:51:56,400 --> 00:51:59,560
Speaker 1: say my current limiting I know it's a limiting belief,

1083
00:51:59,640 --> 00:52:01,160
Speaker 1: is that at that? And so we can give you

1084
00:52:01,200 --> 00:52:03,040
Speaker 1: the opposite. I would love to do that for y'all

1085
00:52:03,040 --> 00:52:04,040
Speaker 1: because someone did it for me.

1086
00:52:04,120 --> 00:52:05,960
Speaker 2: So and if you could please send me all of

1087
00:52:06,000 --> 00:52:07,279
Speaker 2: your pep talks, that would be nice to you. I

1088
00:52:07,320 --> 00:52:09,080
Speaker 2: could use some of those as well. Thank you very much.

1089
00:52:09,960 --> 00:52:12,000
Speaker 1: What you mean me or you mean like anybody?

1090
00:52:12,160 --> 00:52:15,439
Speaker 2: You? Oh, Superman, Supergirl, anybody want to got a pep

1091
00:52:15,440 --> 00:52:17,239
Speaker 2: talk for me? I can do it right, love, just

1092
00:52:17,280 --> 00:52:22,360
Speaker 2: let me know, yeah, okay, all right, tip, Well, another

1093
00:52:22,800 --> 00:52:25,640
Speaker 2: another day, another podcast, pleasure as always.

1094
00:52:26,120 --> 00:52:28,160
Speaker 1: Yes, as usually, well, you know, I love y'all and

1095
00:52:28,200 --> 00:52:30,960
Speaker 1: I love Maandra, which is bigger and better, better and

1096
00:52:31,000 --> 00:52:31,760
Speaker 1: bolder things.

1097
00:52:31,920 --> 00:52:37,520
Speaker 2: One more month t Election Day I'm not nervous, you're nervous.

1098
00:52:37,560 --> 00:52:40,920
Speaker 1: Okay, gotta go take my toe off. Bye for real.

1099
00:52:41,080 --> 00:52:41,520
Speaker 2: I forgot