Speaker 1: Hey, Hey, hey guys, It's me Tiffany and it's Manjo.
Speaker 1: We just want to say thank you guys. You guys
Speaker 1: are amazing thanks to you. Since we started our podcast,
Speaker 1: it was just me and Mandy listening to ourselves to
Speaker 1: now we get over one hundred thousand downloads a month,
Speaker 1: and I know it seems like that's awesome, but we
Speaker 1: can do even better. And we have a favor to ask, just.
Speaker 2: A tiny favor, if you could please share our show.
Speaker 2: Share it on your social media. You can tag us
Speaker 2: at Brown Ambition Podcast. Take a screenshot of the show
Speaker 2: that you're listening to and share it on Twitter, on Insta,
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Speaker 2: On Insta. I'm at Mandy Money Mandy with an Ie,
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Speaker 2: we will share your post and help amplify it even further.
Speaker 2: Thank y'all for all the love this is just gonna
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Speaker 1: Hey hey, hey, we're back. We're black, We're bread ambishon.
Speaker 2: Thank hey, hey, thank you for reminding me that I
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Speaker 1: Yes, super cutie, so cute. You know what I did recently.
Speaker 1: I know I'm all late, but I listened to the
Speaker 1: Blackest King album.
Speaker 2: I was like, wait, wait, the Lion King album that
Speaker 2: Beyonce did.
Speaker 1: I'm late. I'm late, like CPA time, okay, okay.
Speaker 2: So I was like, this is really good, but you
Speaker 2: can't tell anybody because everyone already knows it's good and
Speaker 2: you have to know that you're late.
Speaker 1: I know, I'm solute late. And then I actually watched
Speaker 1: because you know. I was like over my friend's house
Speaker 1: and so, go, have you watched Blackest King? And I've
Speaker 1: had it playing in the background, but I haven't like
Speaker 1: sat to watch it. And I watched it and I
Speaker 1: was like, yo, Beyonce. Honestly, mm mm mmm, she took
Speaker 1: all my edges. Okay, I'm doing I have have new
Speaker 1: gro on my edges to to reclaim them. Because the video,
Speaker 1: I mean, you know, the wole production, it's tough, was amazing.
Speaker 1: But then the songs like I love Already, Oh my god,
Speaker 1: that's like my favorite song in water, I love who Chap?
Speaker 2: Yeah, yeah, I just I know.
Speaker 1: I'm late, super duper late, but excellent.
Speaker 2: Well, you know, so late. We can find a relevant segue,
Speaker 2: which is that they're doing a sequel, live action Lion King.
Speaker 2: I read and the same director who I believe directed Moonlight,
Speaker 2: who's Barry Jenkins. Is that right? Yes, that sounds right,
Speaker 2: feels right, fact check me all he's going to direct it,
Speaker 2: which is amazing.
Speaker 1: Yes, can we give a moment of delicious black silence
Speaker 1: for Barry super super black.
Speaker 3: Name.
Speaker 1: My name is Banji. I love it.
Speaker 2: A good old berry, good old Barry. Yeah, I'm excited
Speaker 2: about that I was just wait a second, oh, my cousin.
Speaker 2: I have been harassing my cousins in Georgia, y'all. I
Speaker 2: don't know if it's okay or not, but I feel
Speaker 2: this weekend my brothers, my brother's in town. Me back up,
Speaker 2: my little brother's in town. He and I are just like,
Speaker 2: you know, on the exact same wavelength. My poor husband's
Speaker 2: just like, oh, these two we just talked for hours
Speaker 2: about politics and whatever is going on. But anyway, he
Speaker 2: lives in Georgia, and I was like, I really feel
Speaker 2: this need to make sure that my family and Georgia
Speaker 2: is registered to vote, because Loki, I don't think they
Speaker 2: all are. And I'm not naming names, but I'm like,
Speaker 2: they're pretty vocal about things, but like, I really don't
Speaker 2: hear any of them talk about voting. And then when
Speaker 2: I found out the deadline to register in georgia's actually today.
Speaker 2: We're taping on Monday, October fifth, Today's a deadline to
Speaker 2: register online, and so I was just like texting. I
Speaker 2: tried to call them last night, they didn't answer. I
Speaker 2: was like facebooking them. They say that they're registered. So
Speaker 2: I just like in New York, I don't know, I
Speaker 2: feel like my progressive views here in New York are
Speaker 2: not so special, but Georgia is like Georgia could really
Speaker 2: I mean Georgia's purple and they really could be on
Speaker 2: the way to a change, like a historic change in
Speaker 2: terms of how they vote. And I don't know. I'm
Speaker 2: just trying to channel all my nervous energy about twenty
Speaker 2: twent you want into the election, into trying to get
Speaker 2: people to register. So this is my call to action
Speaker 2: for everybody. Please make sure you're registered to vote. Check
Speaker 2: our show notes for a link to how you can
Speaker 2: check to see if you're registered. I triple checked because
Speaker 2: I was just like so nervous that I wasn't going
Speaker 2: to be registered. And in Georgia, have you heard about,
Speaker 2: you know, Stacy Abrams, her whole, her whole campaign for
Speaker 2: governor in Georgia was side railed by blatant voter suppression.
Speaker 2: In one of the ways in Georgia that they're notorious
Speaker 2: for doing that is just purging people from the registered polls.
Speaker 2: So you do everything right, except maybe you forget a
Speaker 2: letter in your address or a letter in your name
Speaker 2: or nothing at all, and you can just be unregistered
Speaker 2: and not find out so until you show up to vote. Yeah,
Speaker 2: so even if you think you're registered, triple.
Speaker 1: Check people are just so the Devil is busy, what
Speaker 1: is it? What did old black folks say? The Devil
Speaker 1: ain't got no new tricks.
Speaker 2: I mean, he's very I mean the wait, the Devil
Speaker 2: is twenty twenty. The Devil is a play. I mean,
Speaker 2: but like, if you're going to come through and burn
Speaker 2: everything down, can you can you get Trump on the way?
Speaker 1: Like well, I'm not saying, but I'm saying the White
Speaker 1: House is, uh this way, but in some good news.
Speaker 1: This is like random but not so random. So I
Speaker 1: don't know if y'all knew. But again, I've been wanting
Speaker 1: to make Molly Moore show remember we talked about that.
Speaker 1: That was like, oh, I want to make Molly Moore
Speaker 1: show girl. Yes, So I was like simple enough because obviously,
Speaker 1: like you know, I can do it. I interviewed some
Speaker 1: animators because not to be confused with illustrators. Illustrator is
Speaker 1: you know, they draw great animation, you have to bring
Speaker 1: it to life, make it move. But I thought, oh,
Speaker 1: same thing, right, No, no, because literally I just found
Speaker 1: out that for one second of animation, it might be
Speaker 1: anywhere from twelve to twenty four drawings. Mandy. I was like, wait, what,
Speaker 1: So you're looking at a one minute animation going from
Speaker 1: like three thousand dollars for one full finish minute up
Speaker 1: to fifty thousand dollars. I'm talking about Disney movies. And
Speaker 1: so I was like, yeah, I can't have had that.
Speaker 2: You were gonna make your own TV show or wait
Speaker 2: til no?
Speaker 1: I told myself I was gonna. I wanted to do
Speaker 1: like a minimal viable product by like maybe making my
Speaker 1: own Molly Moore episodes. You know. Then I priced out
Speaker 1: animators and I was like, oh, I don't have that
Speaker 1: level of coin. So I was getting kind of discouraged
Speaker 1: because if you know, you know, like I'm really not
Speaker 1: wanting to sell Molly Moore. But then, you know, because I,
Speaker 1: like I said, I did my Googles, but I also
Speaker 1: interviewed three different animators and they were like, yeah, girl,
Speaker 1: that's what you're looking at. But then I remember my
Speaker 1: illustrator himself. He told me when we first met that
Speaker 1: he also did some animation, and I was like, you
Speaker 1: know what, I didn't even reach out to him, let
Speaker 1: me paying him. I did, and I asked him you know,
Speaker 1: do you know, do you have any examples of some
Speaker 1: of your animation? He sent it It looked awesome, and
Speaker 1: I was like, wait, if could I pay you to
Speaker 1: be because I had asked me a year ago one
Speaker 1: day when Molly Moore is big time, I want you
Speaker 1: to work for Molly Moore full time, you know. So
Speaker 1: we kind of like, you know, had like a moment
Speaker 1: on that, and then I was like, what would it
Speaker 1: cost to bring you on full time to animate? And
Speaker 1: then how many videos could I expect? He was like three,
Speaker 1: three on the low end of twelve minute videos and
Speaker 1: on the high end, you know, four to six, depending
Speaker 1: and like what else he's working on? And so he
Speaker 1: agreed to come on full time. And the price is like,
Speaker 1: you know, the cost is his salary, but it's more
Speaker 1: than reasonable. I'll just say this, it's like the cost
Speaker 1: of six minutes of animation his annual salary. That's what
Speaker 1: it would be. And although I don't Molly Moore is
Speaker 1: not making that as far as consistently like monthly, But
Speaker 1: I just got a school system just agreed to buy
Speaker 1: four thousand Molly Moore books, and so it gives me
Speaker 1: the money I need to be able to pay him
Speaker 1: to lock him down for a year, including insurance. So
Speaker 1: I'm like super geeked Ben, I'll be able to like
Speaker 1: start developing Molly Moore's own show. You'll have a friend
Speaker 1: that has her own cartoon that she's making herself.
Speaker 2: I love it own own, own owner.
Speaker 1: Yes, we own ownership equals wealth. So I'm just like
Speaker 1: super excited about it. I just talked to him today
Speaker 1: and he was like, hey, yeah, I want to come
Speaker 1: on full time because you know what creators. The issue
Speaker 1: is creatives. The issue is oftentimes payment, Like people don't
Speaker 1: pay on time. You have to chase people down for
Speaker 1: your money. You have to get all these different contracts.
Speaker 1: And he was like, honestly, Tiffany, it would be so
Speaker 1: nice to have one person that pays me and you
Speaker 1: you know, we've worked together for a number of years,
Speaker 1: and you know I don't have to chase down anybody
Speaker 1: else for my money, and then I can work on
Speaker 1: some passion things on my own without having to worry
Speaker 1: about how am I going to eat.
Speaker 2: So or his insurance.
Speaker 1: Yeah, which is amazing, Yes, because I told him because
Speaker 1: first he told me how much, and I said, well,
Speaker 1: we don't have insurance yet at our company. So I
Speaker 1: need you to because his where he works now, they
Speaker 1: provide insurance. I said, so I need you to get
Speaker 1: with an insurance agent and find out how much it's
Speaker 1: going to cost you annually and fold that in to
Speaker 1: what you said that you'll need. So he did, and
Speaker 1: then I asked some sank on it because I told
Speaker 1: him today, I like to I like to overpay. I
Speaker 1: like to overpay my my black and brown folks, you know.
Speaker 1: So I was like, well, let's add like, you know,
Speaker 1: four or five thousand dollars to that. He was like really,
Speaker 1: I was like, yes, because you deserve you go above
Speaker 1: and beyond. And I know that you're going to go
Speaker 1: above and beyond more even more so than this extra
Speaker 1: five that I'm going to add to it. And because
Speaker 1: he did with the book, and so I just feel like,
Speaker 1: when you pay people, well, then they show up well.
Speaker 1: When you pay let me back it up, when you
Speaker 1: pay good people, well, they show up even better. And
Speaker 1: so he has already shown me with this first book.
Speaker 1: He's gone. He went above and beyond what was supposed
Speaker 1: to be a one year project drug onto two years,
Speaker 1: and he killed it every step of the way. So
Speaker 1: so I'm just excited to have him on and I'm like,
Speaker 1: I would say his name, but y'all so nosy. Everybody
Speaker 1: was hiring him after I wrote the book and I
Speaker 1: was like, I need him. Shoot, so I'm not saying
Speaker 1: his name.
Speaker 2: And for people who are new work, can they find
Speaker 2: out about Molly Moore you're children?
Speaker 1: Oh, you can go to mollymore dot com m A
Speaker 1: l I m o r E. The website is brand new.
Speaker 1: It looks I'm not gonna lie, Mandy, I'm the website
Speaker 1: looks so adorable.
Speaker 2: I haven't been since the kickstarter.
Speaker 1: Yes, no, it looks we just actually it just finished
Speaker 1: like a couple of days ago. It is so do
Speaker 1: I love the website. So mollymore dot com m A
Speaker 1: l I m o r E. You can get you
Speaker 1: a book and you definitely will see the illustrator name.
Speaker 1: I mean, I don't mind, but just you know, you
Speaker 1: you could have him to the end of the year,
Speaker 1: but I got to.
Speaker 2: Like, you know, hide people like that. I know boarding
Speaker 2: all the town I.
Speaker 1: Know, and the truth is like what whatever, Like I'm like,
Speaker 1: you know, it's not like his name is not all
Speaker 1: over all the books.
Speaker 2: So yeah, that is some good news. I'm glad you're
Speaker 2: able to find the solution because the animation is insanely expensive. Yes,
Speaker 2: I remember from when I used to produce videos at Yahoo.
Speaker 2: But can we talk for a minute about how the
Speaker 2: rona has come come for the White House? Can y'all
Speaker 2: please wear a mask? Do you think he really has
Speaker 2: to say? What?
Speaker 1: Do you think he really had the rona? And or
Speaker 1: he's just saying it because of all the ship chill
Speaker 1: that was the debate oh him, Yeah, calling out the
Speaker 1: Proud Boys and stuff.
Speaker 2: Yeah, it was actually pretty fortunate that we recorded our
Speaker 2: episode last Monday, and by like Tuesday night happened and
Speaker 2: then our show came out, and oh my god, because
Speaker 2: I don't know what I would have even said about
Speaker 2: that debate. I don't know. I know that there's so
Speaker 2: much mistrust, of distrust, whatever, trust lack of trust for
Speaker 2: this administration because they just lie la la la, lie
Speaker 2: through their teeth and through their tweets on a constant basis.
Speaker 2: But to the extent where all these people have COVID,
Speaker 2: it's it's it just seems very logical that he's got it,
Speaker 2: because it seems like all of his inner circle got it.
Speaker 2: And the super Spreader event appear appeared to have been
Speaker 2: this this reception for his Supreme Court nominee Amy It
Speaker 2: is it comy or cony. I forget Barrett, but yeah,
Speaker 2: they issue that he is apparently getting discharged, and he
Speaker 2: went on some like Twitter trade last night. But I
Speaker 2: don't even want to focus energy on that. I just
Speaker 2: need people like this is just a reminder because he
Speaker 2: I think with the thing that he tweeted when he
Speaker 2: was discharged today again this is Monday, October fifth, when
Speaker 2: we're recording, was something about how, you know, don't be
Speaker 2: afraid of COVID nineteen. Don't be afraid of it. Oh
Speaker 2: my God, like, oh my, honestly be afraid. You guys
Speaker 2: be afraid. Please be afraid to wear a mask, please.
Speaker 1: Harm on people.
Speaker 2: But Lord Jesus, I'm afraid to say what I've been
Speaker 2: saying to my friend. I'm afraid to.
Speaker 1: Say it on the record, like like our friend, because
Speaker 1: people are like, oh, you know how like Joe Biden
Speaker 1: and his wife, They're like, oh, you know, we're praying
Speaker 1: for you. I'm going to quote my friend lovey Jesus,
Speaker 1: Hakim Christ is busy. I am not praying for that man.
Speaker 2: Okay, yeah we can, we can. We can air quote,
Speaker 2: we can, we can quote lovey on that. That's good.
Speaker 2: I'll stand by I will endorse her statements. Yeah, it's
Speaker 2: making me feel some very Unchristian feelings, That's all I'm
Speaker 2: gonna say. But it is what it is. And I
Speaker 2: but the thing is we have for those of you
Speaker 2: at home. I mean, it's you've got to you've got
Speaker 2: to protect yourselves. I really don't, you know, in New York,
Speaker 2: I just feel like we're heading into flu season. It
Speaker 2: feels like there's this some you know, false sense of security.
Speaker 2: But with the election coming, we need everybody to be
Speaker 2: healthy and to be out there voting, especially if you're
Speaker 2: black or brown. Not only is COVID impacting our communities
Speaker 2: at more like disproportionate rates, We're dying from COVID more
Speaker 2: than any other group. We have got to take this seriously.
Speaker 2: And if you have family who has been impacted by
Speaker 2: COVID or not, where there they seem to have, you know,
Speaker 2: flouted regulations or not. Sorry, God forbid, we have regulations flouted, uh,
Speaker 2: you know, guidance from our you know, scientists and science
Speaker 2: out there saying to wear masks and sanitize and all that.
Speaker 2: Just try and and and get them on board. It
Speaker 2: really is so simple to wear a mask, and I
Speaker 2: just can't get around like it's so selfish not to
Speaker 2: It's these people out here saying that wearing a mask
Speaker 2: is a choice, it is an individual choice. And how
Speaker 2: they're exercising, Like, what do they think they're exercising? Just
Speaker 2: their freedom to be a jackass, That's what it is.
Speaker 2: Because it's not about you. It's about the person who
Speaker 2: you don't know walking by you on the sidewalk, who
Speaker 2: may have a pre existing condition, or may live with
Speaker 2: someone who has a pre existing condition. And how many
Speaker 2: people who have indirectly you know, killed someone because of
Speaker 2: their own negligence and their own selfish behavior. It just
Speaker 2: is I blah blah blah. Wear a mask. Please, please, please,
Speaker 2: please wear a mask and vote.
Speaker 1: Yes, please please, for the love of all.
Speaker 2: Things, I'm begging you, begging you that everyone is. I mean,
Speaker 2: what does it feel like in your in your circle?
Speaker 2: Because I I I'm on Twitter and it's I feel
Speaker 2: people in my circle just like colleagues and you know friends.
Speaker 2: Over the years and stuff, people are starting to crack up.
Speaker 2: I think a little bit, just like, really, the fear
Speaker 2: is the anxiety. People are so so afraid, and I'll
Speaker 2: put myself in that, you know, that same category, so
Speaker 2: afraid of what's going to happen November three. I don't
Speaker 2: know that I can even process a world and with
Speaker 2: like a thought of what would happen if you know,
Speaker 2: he coulds re elected.
Speaker 1: Yeah, I'm honestly, I just I can't. It's too much.
Speaker 1: So I just said, you know what I am. I honestly,
Speaker 1: I don't know. I don't know what I would Honestly,
Speaker 1: I feel like we would all fall into this deep depression.
Speaker 1: I just I've just yeah, I just decided that I'm
Speaker 1: just going to take it one day at a time,
Speaker 1: focus on like what I'm able to do, because it's
Speaker 1: too much. That's why I did not watch the debates.
Speaker 2: You know, if you don't watch the debate, you got
Speaker 2: to watch them. Well, you don't not watch the debate.
Speaker 1: But no, I said, I can't do it.
Speaker 2: I can't do it.
Speaker 1: I can do it. I was like, you know what,
Speaker 1: I'll get enough of the clips later to depress my life,
Speaker 1: but yeah, I can't do it.
Speaker 2: Yeah, I mean I choose to watch the debates because
Speaker 2: I want to be a witness to this moment. I
Speaker 2: want to drink in the pain. I want to feel
Speaker 2: the pain. I want to like rake my core over
Speaker 2: the coals and just feel the pain of what our
Speaker 2: you know, negligence and in action has created. I mean,
Speaker 2: I don't mean to be that sounds really dramatic, but
Speaker 2: I genuinely feel like we have so much responsibility and
Speaker 2: what our elected officials do and who our elect officials are,
Speaker 2: and we've just forgotten how much power we have. I think,
Speaker 2: so it's just we we really have and I just
Speaker 2: never ever want to forget. I never want to forget
Speaker 2: how I felt watching that ninety minutes, like I wanted
Speaker 2: to crawl out of my skin at what, you know,
Speaker 2: what we allowed to happen. And I never want I
Speaker 2: just I just don't want us to ever forget. You know,
Speaker 2: this can't be. This can't be a four year period
Speaker 2: that just just becomes a blip. We have it. I
Speaker 2: wanted to scare future generations. I want rio to be like,
Speaker 2: how did you let this happen? I will never yeah,
Speaker 2: like do better, do better than us, because I just
Speaker 2: it can't happen again. And we've got to we've got
Speaker 2: to like and I guess this is where I can be.
Speaker 2: I get excited and optimistic. Is that, you know, if
Speaker 2: we really do take this seriously and will truly change
Speaker 2: and they come out and vote and they get more involved,
Speaker 2: not just in presidential elections but all the little ones
Speaker 2: that really matter, that we'll see lasting change. And that
Speaker 2: is so I pray. I'm like praying please again, Like
Speaker 2: if you're not registered yet or you're not sure, double
Speaker 2: check check our show notes for the link to where
Speaker 2: you can check to see if you're registered. And then
Speaker 2: I think even the Obama's you know, posted this week
Speaker 2: and said, if there's one thing you can do for
Speaker 2: us on it, what is at their wedding anniversary, it's
Speaker 2: convinced someone who may not vote to vote, please do
Speaker 2: because on one hundred million people did not vote in
Speaker 2: twenty sixteen, one hundred million people, Like, we have got
Speaker 2: to get out there, y'all. So put your centicism in
Speaker 2: a bag, put it, you know, throw it over your
Speaker 2: shoulder and just carry it with you to the polls. Okay,
Speaker 2: you can be a cynic and still vote, but please wait.
Speaker 1: Exactly, it's just we are living through the what's the
Speaker 1: worst thing that can happen? We are living through that
Speaker 1: now it can actually get worse than.
Speaker 2: This, So it can. It has every day every day,
Speaker 2: every day, every day. But what I mean like the
Speaker 2: feelings of like what you can control. I mean, I
Speaker 2: definitely feel like work, I feel like money. I've just
Speaker 2: been like just hanging on to anything, any hanging on
Speaker 2: to any any, any little thing that I can to
Speaker 2: feel like I have some kind of control until I can,
Speaker 2: like like I wish that when I go to the election,
Speaker 2: I just want to, like I just want to like
Speaker 2: stop my foot in it, Like I just want like
Speaker 2: the not like I'm just imagining the ballot like I
Speaker 2: just want to take this pen or whatever I'm gonna like,
Speaker 2: how do you even forget now? Is it like digital?
Speaker 2: I don't know what it's going to be. I want
Speaker 2: to I'm going to put elbow grease into into hitting
Speaker 2: Joe Biden's name on that ballot. I just and I'm
Speaker 2: going to skip on out of there because I I
Speaker 2: I I I can't. I'm gonna stop now, Please stop
Speaker 2: stop me, Please stop that. I can't. I didn't take
Speaker 2: myself off today, as you can tell. Oh, I just remembered, well.
Speaker 1: I mean, I don't even know it's gonna sound a brighter. No,
Speaker 1: I don't know that.
Speaker 2: You keep trying, you keep trying to bring it back,
Speaker 2: and I keep breaking.
Speaker 1: But I'm like fall is coming, the leaves are changing.
Speaker 1: It's pretty less.
Speaker 2: And now this weekend was beautiful and we did get
Speaker 2: our butts out and we went to like an uh
Speaker 2: am I some of my little brothers in town. Actually
Speaker 2: I kicked all three of the boys outside. I was like,
Speaker 2: go burn some wood, just because like it can't be
Speaker 2: in here making noise, making a rocket. So they're out
Speaker 2: there just staring at a fire pit right now in
Speaker 2: our backyard.
Speaker 1: Like that, like like whatever. Like if I my husband
Speaker 1: doesn't not like for his his friend, they don't listen
Speaker 1: to the podcast anyway to know that he's like a
Speaker 1: lightweight when it comes to drinking, because he doesn't drink
Speaker 1: and so like, you know, one beer, two and you like,
Speaker 1: I'm like, he's two is like oh so you just
Speaker 1: you want alcohol poisoning.
Speaker 2: That's how exactly that's what I'm saying.
Speaker 1: It's so crazy because after one he's like, WHOA, I
Speaker 1: had it. I'm like, brouh, I can do more than one.
Speaker 1: And I don't even drink. So it's funny when he's
Speaker 1: out there, like with the fella, it's like, you know,
Speaker 1: just having a bouski. I'm like, you don't even bruskie,
Speaker 1: but I I could see him, and I see him
Speaker 1: nursing it like a little sip babysit. And then I
Speaker 1: go out there later beer more than halfway in the thing,
Speaker 1: and I'm like, oh, I hope you fool them into
Speaker 1: thinking that you're out here just you know, getting down
Speaker 1: with the boys.
Speaker 2: But they love burning stuff, like just burn. I'm like,
Speaker 2: here's we have this big pile of wood. I'm just like,
Speaker 2: just sit here and put one piece out of time
Speaker 2: and just burn and just like, yeah, look at us
Speaker 2: burn and fire. Rio will he'll learn from the boys.
Speaker 2: But it's been nice having him here, and he has
Speaker 2: having my little brother here. It's just been because he's
Speaker 2: so you know, he's athletic and he's fit, and so
Speaker 2: he's been getting me walking. We went on a little
Speaker 2: hike to this this damn this park nearby, and it's
Speaker 2: been really nice to have like a little walking buddy.
Speaker 2: And we went to what an orchard and you know,
Speaker 2: we had to get the picture of the baby and
Speaker 2: the pumpkin patch. Although I will say next year, I
Speaker 2: will save myself the forty five minute round trip ride
Speaker 2: and just take him to the supermarket and throw him
Speaker 2: in been a pumpkin, because like, why why did I
Speaker 2: pay twenty five dollars for this? Like they literally just
Speaker 2: dump a bunch of pumpkins in a field and charge
Speaker 2: people to take pictures for social media. And it's brilliant,
Speaker 2: you know, it's a brilliant business move. But why why
Speaker 2: do we need to pay for this? I could just
Speaker 2: go to Trader Joe's and co op the pumpkin the
Speaker 2: pumpkin bin. But it was it was nice to get out.
Speaker 2: Did you do anything fun this weekend?
Speaker 1: Yeah, honestly, it was a cool weekend. I went to
Speaker 1: go visit the crazies. That's what I call my my
Speaker 1: niece and my nephew that lived down the street, because
Speaker 1: they're crazy.
Speaker 2: But to like, also, who has to live so close
Speaker 2: to them?
Speaker 1: You know, honestly, it's it's honestly really awesome. Like if
Speaker 1: I'm having a really bad day, I'm like, I just
Speaker 1: called my sister. I'm like, oh, what are the crazies doing?
Speaker 1: She's like being crazy, and I'm like I'll be there
Speaker 1: for a minute and then whatever I call they screamed.
Speaker 1: We just we have like a whole routine of like
Speaker 1: screaming and making all this shenanigans a noise. And then
Speaker 1: I leave them wilder than I found them.
Speaker 2: She's like thanks getting them.
Speaker 1: And then yesterday I had a nice grill and chill,
Speaker 1: which just it's my myself and two other friends and
Speaker 1: we were like, you know, because we've been saying we're
Speaker 1: going to do it for the longest, I'm like, just
Speaker 1: come over. We didn't grill, but honestly, we just we
Speaker 1: just ate. I ordered some Portuguese barbecue, which was delicious. Bloomfield.
Speaker 1: Let me tell you something. Bloomfield Barbecue on Bloomfield Avenue.
Speaker 1: I don't know if that's Newark or Bloomfield, but it
Speaker 1: has the yellow overhang. I'm not even a ribbed person.
Speaker 1: I never had ribs like it's they it's true barbecue,
Speaker 1: so not barbecue sauce, just the rub or whatever it's like.
Speaker 1: And I'm not even a big meat either, but delicious,
Speaker 1: and so we had that yesterday and it was just
Speaker 1: nice to like hang out with, like, you know, my
Speaker 1: it was three three girlfriends. It was four of us
Speaker 1: and just sit outside in the backyard and do my
Speaker 1: husband's version of like sitting on Bruski's It was more
Speaker 1: like ginger ales. But it was just that, honestly, was
Speaker 1: a highlight because if you all know me, I'm kind
Speaker 1: of like a homebody and I know I'm not really
Speaker 1: big on hanging out necessarily, So it was just nice
Speaker 1: to have people over at the house and it's just
Speaker 1: you know, it was a great weekend just because I
Speaker 1: got to see the people that I cared about.
Speaker 2: Yeah, and just like fill yourself up a little bit,
Speaker 2: because even as a fellow introvert, you still need like
Speaker 2: that human interaction just to feel normal. So if you're
Speaker 2: in an entry, you can do it safely, you know,
Speaker 2: if you have access to like outdoor space or even
Speaker 2: just like I've seen people, you know, hanging out and
Speaker 2: just on the street, just like setting up a couple
Speaker 2: of chairs. I know we're my husband's from and inwood Manhattan.
Speaker 2: I mean, you will not stop a Dominican from pulling
Speaker 2: up at a mini van, opening the doors, training the
Speaker 2: radio on, and like all of a sudden, there's like
Speaker 2: six chairs outside of it and a little party going on.
Speaker 2: We can still wear a mask and keep your distance.
Speaker 2: But I really feel like if y'all have been and
Speaker 2: I know people like this, if you've really been like
Speaker 2: a gorphobic low key for the past I don't know
Speaker 2: how long has it been. Almost a year now, it's crazy.
Speaker 2: Just just try for like a tiny, tiny diny bit
Speaker 2: of normalcy. Yeah, well we have. We've cried, we laughed,
Speaker 2: we've we've lamented, we've increased our dosages of antidepressed. Yes,
Speaker 2: so let's move on to questions. We'll be right back
Speaker 2: if you're still here, you know, thank you.
Speaker 1: This is how we do it. This is how we question.
Speaker 1: No no no no no no no. I should do a
Speaker 1: whole like nineties series of like remix for like. This
Speaker 1: is how we question. This is how the question on
Speaker 1: Monday night. It feels all right. Me and Mandra got
Speaker 1: the answers for you. I mean, you know, I would
Speaker 1: have to practice, but.
Speaker 2: I don't would think about it and do it again.
Speaker 2: But I love that. That's my all time favorite song
Speaker 2: to dance you at a wedding and you're you're making
Speaker 2: me miss like all the weddings and like receptions. Girl,
Speaker 2: I lovely.
Speaker 1: This is how you do it. It's your song.
Speaker 2: It's just I don't know. That was always my song
Speaker 2: at the cookouts when I was a kid in Georgia. Yeah,
Speaker 2: we do all I mean, is that not a good one?
Speaker 2: I mean that's the best anyway. Cool questions, Yes, we
Speaker 2: have a bunch of them. You guys don't how to
Speaker 2: reach us Instagram, Brown Ambition Podcast, hit us up there
Speaker 2: in our DMS, or you can get at old school
Speaker 2: and go to Briannambition Podcast at gmail dot com. Finish
Speaker 2: your questions there. Oh my goodness, where to start. Let's see,
Speaker 2: this was an interesting question. So this question comes from
Speaker 2: a listener via email. Her name is Keana, and she
Speaker 2: has a question about stock options to her employer. All right, so,
Speaker 2: Keana says, next month, I will have the option to
Speaker 2: purchase shares of my company stock through an employee stock
Speaker 2: purchase plan. The purchase would be after tax payroll deduction
Speaker 2: at a fifteen percent discount. The first time they offered
Speaker 2: this stock option, I did not take advantage of it,
Speaker 2: but now a second enrollment is being made available. I'm
Speaker 2: very new to participating in the stock market. I've never
Speaker 2: done anything other than participate with the companies for a
Speaker 2: one K. What's your advice on how much I should
Speaker 2: purchase as a newbie that's not very educated on what
Speaker 2: and how to move forward? Excellent question. Excellent, I got
Speaker 2: some thoughts. So stock purchase plan this is one of
Speaker 2: the perks that you may have if you're lucky enough
Speaker 2: to well, I don't know, but lucky enough. But if
Speaker 2: you work for a company that's publicly traded, this is
Speaker 2: one of the incentives some of them may offer employees,
Speaker 2: which is basically saying, you know, there's The other type
Speaker 2: of stock option is a restricted stock unit, which is
Speaker 2: essentially the company giving you shares of stock. A stock
Speaker 2: purchase option is where they say, you have the privilege
Speaker 2: of purchasing our stock if you'd like it at a discount.
Speaker 2: So it sounds like she's getting fifteen percent off of
Speaker 2: her company stock should she choose to jump on this offer.
Speaker 2: I mean it can be, you know, it can be.
Speaker 2: I mean it can be. It can be. It can be.
Speaker 2: It can be a good idea. The thing is, you know,
Speaker 2: you have to consider this holistically across all of your investments.
Speaker 2: So also you have to remember that this company is
Speaker 2: paying your salary. So if you're going to purchase stock
Speaker 2: and hold stock with the company that you also work for,
Speaker 2: you just don't want to have too much of your
Speaker 2: investments tied up with that company. And you also want
Speaker 2: to think about it like this is my opinion, personal opinion,
Speaker 2: not a stock advisor, not a financial advisor, et cetera,
Speaker 2: et cetera. Don't come for me in the street. But
Speaker 2: you know, you have to think like any other stock
Speaker 2: that you're purchasing. So you're a new investor, you're you know,
Speaker 2: you're new to maybe purchasing single stocks. You work for
Speaker 2: the company that you work for, do you think it's
Speaker 2: a good company with the bright future ahead of it?
Speaker 2: Or do you know, you have a bit of an
Speaker 2: insider's perspective on how things are going, or you know,
Speaker 2: do you think maybe I'll take my paycheck and you know,
Speaker 2: invest through my four to one k into you know,
Speaker 2: mutual funds or other individual stocks instead. It's really up
Speaker 2: to you. I would look at this kind of as
Speaker 2: a you know, just one of the many sort of
Speaker 2: perks that your employee that your company could offer to
Speaker 2: you as well as other employees. But don't look don't
Speaker 2: feel bad if you don't participate in it, because really
Speaker 2: they are. You know, you can look at this as
Speaker 2: like like, for example, I used to worok at the
Speaker 2: Gap and they gave us a fifty percent discount, didn't
Speaker 2: I know it? I used to buy so much crap,
Speaker 2: but a fifty percent discount on Gap clothing? Okay, Well,
Speaker 2: was it a good idea for me to buy Gap?
Speaker 2: You know all those you know, Jean jackets and my goodness,
Speaker 2: all the pairs of genes and all that stuff at
Speaker 2: fifty percent off. It sure did feel like a good idea.
Speaker 2: But I also was taking the money that they gave
Speaker 2: me and then spending it on their stuff. So I
Speaker 2: was like pretty much negating profit for myself from the
Speaker 2: job that I had, which in retrospect wasn't like so smart.
Speaker 2: But you know, you've just got to sort of look
Speaker 2: at this as an opportunity to maybe buy some stock
Speaker 2: in a company at a discount. That's the benefit here.
Speaker 2: You know, someone walking off the street wanting to buy
Speaker 2: your company stock would buy it a little bit more,
Speaker 2: you know, have a higher price and you get a discount.
Speaker 2: So you have to look at your whole picture and
Speaker 2: if you feel like I'm pretty well diversified. This is
Speaker 2: a good deal. The stock you know, could be on
Speaker 2: the way up. Fifteen percent off is a you know,
Speaker 2: a good discount. I'll you know, take advantage of this
Speaker 2: opportunity to purchase it. And it also you know, let's
Speaker 2: say you do purchase the stock at a discount, and
Speaker 2: I don't know, once you're you know, once everything vests
Speaker 2: and you're able to actually cash out of those shares
Speaker 2: that you've bought, if the stock price has gone up,
Speaker 2: like you can stand a profit more than someone who's
Speaker 2: just walked in off the street and bought it full
Speaker 2: quote unquote full price. So that is a benefit. But
Speaker 2: you just have to look at it, you know, across
Speaker 2: all of your investments and not you just don't want to,
Speaker 2: like have way too much of your investments tied up
Speaker 2: in the same place where you get your paycheck from.
Speaker 2: And I could tell you the rule of thumb that
Speaker 2: I feel like people say, but.
Speaker 1: I was gonna say the rule of thumb, Well.
Speaker 3: You take the rule of thumb tip Well, they say
Speaker 3: the rule of thumb is I mean across all of
Speaker 3: your portfolio, so all of your investments, you ideally you
Speaker 3: don't want to have more than ten percent of like
Speaker 3: your investments in your company's stock just in case something
Speaker 3: happens like Lehman Brothers.
Speaker 1: And then you don't want to be like, ah, yeah,
Speaker 1: it's like with any stock, right, Like you don't like
Speaker 1: all your stocks should not be Apple, all your stocks
Speaker 1: should not be one company just because of the means
Speaker 1: you're just leaning on this one company for or significant
Speaker 1: amount of your of your portfolio in one particular investment.
Speaker 1: So that is kind of like the rule of thumb.
Speaker 1: So keep that in mind. I mean, you know, take
Speaker 1: that with a grain of salt. But yeah, I mean,
Speaker 1: to Manday's point, it can be. But here's the thing
Speaker 1: that you want to be clear because I was actually
Speaker 1: just talking to my sister, the inventor and engineer shout
Speaker 1: to Carol. She is like, my she's our go to
Speaker 1: stock person. Carol'll be like, I'm not that good at
Speaker 1: stocks as she does her research and makes She literally
Speaker 1: bought some stock the other day and made four hundred
Speaker 1: percent back. I'm like, what do stop talking about Carol?
Speaker 2: You know, people want to have Carol on the show,
Speaker 2: and I'm afraid I'm afraid an off day when we
Speaker 2: have her on the show.
Speaker 1: She's gonna be like, no, that's not my thing. That's
Speaker 1: like she's the mom of the craziest. I'm like, mean,
Speaker 1: while you're doing all this while rasing the crazies anyway,
Speaker 1: So she was just sharing that today. But the thing
Speaker 1: that Carol was saying because I when you know, when
Speaker 1: the current administration announced that it was you know, it
Speaker 1: had Corona and the market reacted. I was just asking her,
Speaker 1: we have like this like wealth or WhatsApp, and I
Speaker 1: was like, should I buy Walmart? Should I buy? She
Speaker 1: was like girl. Now, she was like, you know, you
Speaker 1: want to purchase companies that have good you know, she
Speaker 1: follows a warm buffet method, like solid companies regardless. So
Speaker 1: she was telling me three companies that she bought more
Speaker 1: of because she actually worked for these three companies. I
Speaker 1: would say them, but I don't want to like you know,
Speaker 1: I don't know, yeah, I won't And these are not
Speaker 1: like I mean, her major companies. So she worked for
Speaker 1: them like with their high school, college whatever. And she said,
Speaker 1: I have seen firsthand how they navigate, how solid they are.
Speaker 1: So she was like when things were like falling, She's like,
Speaker 1: I just bought more of the companies that I knew
Speaker 1: intimately from the inside. You know, we're well run companies.
Speaker 1: That's why you know they've done well for these number
Speaker 1: of years. So I just say that to say you
Speaker 1: have an insider insight you work for your company. Is
Speaker 1: it a shit show? Excuse my fronch, or is it
Speaker 1: a solid company? If you feel like this is a
Speaker 1: solid company, the CEO is dope, knows what she's doing.
Speaker 1: So what I did that she heard and like, you
Speaker 1: know what I mean. Like, so if you feel that,
Speaker 1: then yes, then you know you don't want to just
Speaker 1: get the stock because it's offered if you feel like
Speaker 1: the company is on its last leg. So just keep
Speaker 1: that in mind as well.
Speaker 2: Absolutely, and thank you for your question. And you're new
Speaker 2: to investing and you're doing the right thing just by
Speaker 2: asking questions and learning. So go easy on yourself and
Speaker 2: congrats on at least working with our company that gives
Speaker 2: you this opportunity to build wealth. And it already sounds
Speaker 2: like you're on the right track because you've been investing
Speaker 2: in your four oh one K. A lot of people
Speaker 2: take for granted that a four to one K is
Speaker 2: investing like you're doing it. You are doing it you're
Speaker 2: in the market. All right, Let's take another When this
Speaker 2: comes from someone who'd like to remain anonymous, very mysterious,
Speaker 2: that's fine, all right. This listener says, I love listening
Speaker 2: to y'all's podcast. You guys always break it down so
Speaker 2: that it makes sense. Oh, thank you. I was hoping
Speaker 2: you could offer me some advice. I'm twenty eight years
Speaker 2: old and a single mob living on one income. I've
Speaker 2: accrued a lot of debt over the last two years,
Speaker 2: between credit cards and debt consolidation loans. My debt is
Speaker 2: about thirteen thousand dollars in total. I have seven thousand
Speaker 2: dollars saved up in my savings account from tax returns
Speaker 2: and the stimulus check that came through earlier this year.
Speaker 2: On top of that seven thousand dollars in savings, I
Speaker 2: have eighteen K and my four oh one K. So
Speaker 2: my question is what it makes sense to pull the
Speaker 2: four to one K money to pay off my debt
Speaker 2: and give myself a clean slate. My issue is that
Speaker 2: my bills are more than I'm making every month, so
Speaker 2: I feel like I'm eventually just going to hit the
Speaker 2: same issue again. I know eventually my daughter's childcare expenses
Speaker 2: won't be as much and then hopefully at that point
Speaker 2: I can start to break even. Thank you. Well, this
Speaker 2: is really really tough.
Speaker 1: It is really tough.
Speaker 2: I'm not gonna lie, really really tough. Thirteen k and well,
Speaker 2: it's just like recap debt thirteen k cross credit cards
Speaker 2: and it sounds like a debt consolidation loan. She's got
Speaker 2: seven k in the bank from savings, an eighteen K,
Speaker 2: and a four to one K, So if she were
Speaker 2: to take out a loan from herself or withdrawal, she's
Speaker 2: talking about a withdrawal from her four to one K
Speaker 2: to pay out that thirteen K, she'd be she'd pretty
Speaker 2: much be, you know, getting rid of her account. She'd
Speaker 2: only have a few thousand dollars left. Yeah, do you
Speaker 2: want to start? I mean I have a couple of thoughts.
Speaker 1: Okay, So well one, let's start with the good things.
Speaker 1: Congratulations Mama Sita, that you were able to save seven
Speaker 1: thousand dollars. That is not a small thing, not even
Speaker 1: a little bit. So I want you to acknowledge that, like,
Speaker 1: you know, a lot of people receive that money from
Speaker 1: the care the Stimulus plan and the Cares Act, whatever, right.
Speaker 1: So a lot of people receive that money and have nothing,
Speaker 1: which you know that happens as well. But the fact
Speaker 1: that you're able to set aside seven thousand, that's tremendous.
Speaker 1: So clap for yourself. Two, here's my concern. I'll give
Speaker 1: you the advice that I gave a friend of mine
Speaker 1: who was like, my friend wants to borrow money from me.
Speaker 1: And I was like, okay. I was like, you know,
Speaker 1: she's like, my friend wants to borrow two thousand dollars.
Speaker 1: This is a friend that's kind of like always struggling.
Speaker 1: And she's like, do you think I should lend it
Speaker 1: to her? And I said this, and I'm gonna I
Speaker 1: want you to answer this, even though you're lending to yourself,
Speaker 1: will you lend will? I told her, will, let's pretend
Speaker 1: to my friend is name Julia, and she wants to
Speaker 1: lend her a friend named Clara. If Julia, if you
Speaker 1: lend Clara this money, does it fix the problem? So
Speaker 1: does this two thousand dollars fix the problem? And she
Speaker 1: was like no, I said, well how not? She was like, well,
Speaker 1: because honestly, Clara, like you anonymous, is behind every month
Speaker 1: because her bills are more than what her expenses are.
Speaker 1: I said, So it's not going to fix the problem,
Speaker 1: then I wouldn't. It doesn't like that's not like you're one,
Speaker 1: you're never going to see your money back. This is
Speaker 1: a mean to you talking to you anonymous to yourself,
Speaker 1: and also Julia to Clara. And then two, it's actually
Speaker 1: not going to fix the problem, but it'll enhance the
Speaker 1: problem because now you don't have money for retirement now
Speaker 1: because you're already you already have these debt consolidation loans.
Speaker 1: It means that you've already tried to fix the problem
Speaker 1: in this way and borrowing money to fit to just
Speaker 1: delay coming right back here again. You're you're right, You're
Speaker 1: going to be right back here again. So to me,
Speaker 1: the real problem that you're needing to solve is how
Speaker 1: to make more. That is really the problem you need
Speaker 1: to solve. Does that look like asking for a raise
Speaker 1: at work? Does that look like side hustling? I know
Speaker 1: you have you know you're a single mom, so I
Speaker 1: know how hard that must be. Does that look like
Speaker 1: looking interviewing now to see if you can find a
Speaker 1: position that's going to pay you more. You have to
Speaker 1: figure out how to inject more income into your household,
Speaker 1: or else you will be right back here and then
Speaker 1: there will be no four to one K, no saving,
Speaker 1: nothing to fall back on. And so that's what I say,
Speaker 1: is that, like I would leave my four one K
Speaker 1: alone because it's not going to fix the problem as
Speaker 1: far as your savings are concerned. Would is that at
Speaker 1: least three months of your bare bones essential expensive I
Speaker 1: call that in your noodle budget. Is that at least
Speaker 1: three months, ideally six months if it's at least three
Speaker 1: months if there's excess, So let's just say three months
Speaker 1: for you is six thousand dollars or five thousand dollars,
Speaker 1: and you want to put some of the other towards
Speaker 1: the principle of what you owe the excess, Okay, But
Speaker 1: I would not drain my savings of emergency. You have
Speaker 1: a kid, so emergencies in more important now than ever.
Speaker 1: And I would not drain my retirement account for a
Speaker 1: problem that's not really going to be fixed. I would
Speaker 1: focus on the solution of how can I make more
Speaker 1: money in this household?
Speaker 2: How can you make more money? I mean, she mentions
Speaker 2: it sounds like no matter what she does, her bills
Speaker 2: are more than her income monthly, which I think is
Speaker 2: a real I mean, that's really the crux of the
Speaker 2: issue here. She's just in the red no matter what
Speaker 2: she does. And she mentions her daughter's childcare, and that's
Speaker 2: definitely one of the expenses where it's not the first
Speaker 2: line item you're going to try and cut because the
Speaker 2: quality is care for your child. I mean, I can't
Speaker 2: even imagine, especially in times like this, you want to
Speaker 2: give your child the best. If there's any other bills
Speaker 2: that can be tweaked or cut or sacrificed, you can
Speaker 2: start there, although I honestly think you probably already have
Speaker 2: at this point. Then whatever you can as a single
Speaker 2: mom though, and listen, I was raised by a single mom.
Speaker 2: My mom had four kids under the age of what
Speaker 2: twelve that she was raised all under the age of twelve,
Speaker 2: four kids once she was raising by herself. And I
Speaker 2: was just who was I talking to about this the
Speaker 2: other day? Maybe was my therapist or I don't know.
Speaker 2: But I've given my mother so much credit because she
Speaker 2: asked for help from family and friends when she was
Speaker 2: really struggling. Looked like my uncle and aunt letting her
Speaker 2: rent our house from them that they owned it. Looked
Speaker 2: like friends at work giving her presence to give to
Speaker 2: us for Christmas. It looked like a lot of different things.
Speaker 2: And if you have, if you have help available to you,
Speaker 2: you know you really I feel like there's there's options
Speaker 2: out there, especially as a single mother with a child,
Speaker 2: if you're if your income is on let's pay for
Speaker 2: your essentials right now. There may be public assistants available
Speaker 2: for you, you know, snap, you know, food stamps, other
Speaker 2: types of public assistance that is there for people in
Speaker 2: situations that you're in. And there's no shame in that, No,
Speaker 2: no shame in that at all. So I would say,
Speaker 2: ask for help, because you're in a very difficult situation.
Speaker 2: So I would start asking friends, I would ask family,
Speaker 2: I would ask other single moms, if you know, anybody
Speaker 2: you know have any resources been helpful to you, your
Speaker 2: local food bank that can help you cut down on
Speaker 2: grocery expenses. I think, especially as a mom, you know,
Speaker 2: we went from like a two income household middle like
Speaker 2: pretty you know, lower middle class but like solidly okay,
Speaker 2: to you know, being you know, like the vivid memories
Speaker 2: of like being in line at a grocery store and
Speaker 2: having my mom just like slowly take things out of
Speaker 2: the cart when she realized she wasn't going to you know,
Speaker 2: make the bill or you know, at the checkout line.
Speaker 2: And you're used to living a certain way and being
Speaker 2: able to buy certain things because that's you know, that's
Speaker 2: what you're used to and that's what's normal. But when
Speaker 2: your income is so reduced, there's a new normal. And
Speaker 2: it's so hard because it feels like this isn't right.
Speaker 2: I want to go back to how things were. I
Speaker 2: can only empathize with that, and you know, commend you
Speaker 2: for being strong, but I really hope that you can
Speaker 2: find some And you know, you haven't mentioned where you live,
Speaker 2: but I so we can't give like more specific advice,
Speaker 2: but I would say, look at your state. Look what
Speaker 2: is available to you through churches, through like local community programs,
Speaker 2: anything that can help you stop needing to dig yourself
Speaker 2: into more debt. And I would hold on every penny
Speaker 2: you can, hold on to all those coins and your savings,
Speaker 2: hold on to all the money in your for one k,
Speaker 2: Like that's amazing that you even have eighteen thousand dollars
Speaker 2: at twenty eight years old. Like you're a smart lady. Yeah,
Speaker 2: your daughter is very lucky to have you. I would
Speaker 2: hold on to that.
Speaker 1: And asking for help also means like reaching out to
Speaker 1: your service providers and saying, hey, I'm struggling, like you know,
Speaker 1: your phone company, insurance, like car insurance, whoever those are.
Speaker 1: So to Mandy's port, that's like, honestly, Mandy like such
Speaker 1: amazing empathetic advice. But I just wanted to add that that, like,
Speaker 1: help can also come from the places that you paid
Speaker 1: bills to, especially now more than ever, because it's a pandemic,
Speaker 1: and many of them have hardship programs in place, so
Speaker 1: ask about them. They may have a freeze on interest,
Speaker 1: they might have a freeze on payment or forbearance or deferment.
Speaker 2: So yeah, so yeah, exactly. We've got a good page
Speaker 2: at Magnified Money of all the banks that are offering
Speaker 2: relief in terms of COVID, pretty much every bank is.
Speaker 2: I mean in some way, shape or form. It may
Speaker 2: not be amazing, but call and ask and even you
Speaker 2: know for that. And I don't think this is right
Speaker 2: for you necessarily in my personal opinion, for you to
Speaker 2: dip into your four one k, but for those of
Speaker 2: you who are running out of options and maybe withdrawing
Speaker 2: from your four to one K is something that you're considering.
Speaker 2: Y'all should know that with the Cares Act, one of
Speaker 2: the things that they passed in that relief the only
Speaker 2: relief bill so far, was the ability to withdraw from
Speaker 2: your four to one k and not get hit with
Speaker 2: that ten percent. It's like up to one hundred thousand
Speaker 2: dollars or something like that, So check the IRS dot
Speaker 2: gov for specifics. But anyway, thank you so much for
Speaker 2: your question. Our hearts go out to you. We hope
Speaker 2: this was helpful, and you can always hit me. I'm
Speaker 2: gonna hit you up on instant and respond to you.
Speaker 2: But yeah, well we really hope you get help. But
Speaker 2: I don't. Yeah. I oh, single mom, single moms, single moms.
Speaker 2: I just love I just oh my heart for y'all.
Speaker 2: I it's so hard, it's so hard. It's so hard.
Speaker 2: Ten times it is.
Speaker 1: I can't even.
Speaker 2: Yeah, So thank you for asking and thanks for your question.
Speaker 2: All right, missy, I hear a very cranky baby up above.
Speaker 1: Twinkle twink a little reo.
Speaker 2: Oh. My two cousins responded, One said done, the other
Speaker 2: one said I am registered period.
Speaker 1: Yes, and it's just basically leave me alone Facebook. Someone
Speaker 1: was like, we're gonna check out all the social media platforms.
Speaker 2: Yes, like but for real though, I'm gonna call my
Speaker 2: great uncles next because I don't know. I'm like, can
Speaker 2: y'all get a carpool going, you know, vote in person,
Speaker 2: vote in person? All right, let's uh brown boost brown break.
Speaker 1: It's time for brown Well no.
Speaker 2: What was it brown?
Speaker 1: Anyway? It's time boost a break? No it was Mickey mouth.
Speaker 1: Oh no, And now it's time to boost a break
Speaker 1: for all my family there, go, is you going to boost?
Speaker 1: Is you going to break? What you're going to do? Many?
Speaker 2: Yes? I love that like fat Albert mouse, nicky bounce
Speaker 2: yees that.
Speaker 1: Is a fat Albert mouth.
Speaker 2: Hey, hey, hey combination. I'm going to do a brown
Speaker 2: boost because I'm feeling very positive today. I'm going to
Speaker 2: do a brown boost for me again. Dusting off my
Speaker 2: Apple Watch, which I literally had not put on my
Speaker 2: wrist since February seventeenth of twenty twenty. I had not
Speaker 2: put it on my wrist, but I had really gotten
Speaker 2: into I mean, I have my peloton and it's great,
Speaker 2: and people who are asking, I've loved my peloton, but
Speaker 2: I have forced myself with my brother being here and
Speaker 2: my sister is my new like accountability buddy, even though
Speaker 2: she lives in Wisconsin. To get myself out of the
Speaker 2: damn house, I think I have become like a little loki,
Speaker 2: agoraphobic or just like too comfortable not leaving the house. Tiffany,
Speaker 2: I know you can probably relate, but it's really annoying
Speaker 2: to me how beneficial just going for a walk has
Speaker 2: been to my mental health, and like how I feel
Speaker 2: about my day annoying to me because I'm just like
Speaker 2: why my brain gets in these funks where I just
Speaker 2: cannot convince myself to put on a pair of shoes
Speaker 2: and leave the house and walk out of the door.
Speaker 2: And yet when I do, I feel so much better.
Speaker 2: Like what I just I don't it seems like such
Speaker 2: a burden and so hard to do, And I'm not
Speaker 2: gonna lie there. Some days when it really feels like
Speaker 2: I can't bring myself to leave the house, I don't
Speaker 2: have the energy. There's so many good excuses and good
Speaker 2: reasons why I can't. But slowly but surely, I am
Speaker 2: trying to get back on it. And my Apple Watch
Speaker 2: has been helping because I love a competition so me
Speaker 2: and my husband are competing, and I'm feeling a lot better.
Speaker 2: Free good mental health therapy. Get outside, y'all try to
Speaker 2: at least no.
Speaker 1: Honestly, that is excellent because you know, I just you
Speaker 1: have this basically, it's almost like you have to stack
Speaker 1: up against what the world is offering. So I think
Speaker 1: that's excellent. Get on you. I'm gonna also boost. I'm
Speaker 1: gonna boost for like a lesson I learned. So I
Speaker 1: told you I had like the grill and chill, and
Speaker 1: I have a new friend that came over. Her name
Speaker 1: is Maria. And there's this thing that I was been
Speaker 1: saying for like the last couple of years, and I
Speaker 1: realize I've been saying it to kind of like a
Speaker 1: guest hold myself back from achieving. And I would always say, like, oh,
Speaker 1: you know, this level of success I'm good with, but like, oh, man,
Speaker 1: I can only imagine the kind of work that Beyonce
Speaker 1: and Oprah have to do. I'm not willing to do
Speaker 1: that much work to get that level of success. So
Speaker 1: I've been telling myself that that I couldn't possibly put
Speaker 1: in the level of work that they must do, because
Speaker 1: you know that's I mean it sounds like, you know,
Speaker 1: it makes sense, but I realized that was just limiting
Speaker 1: beliefs and thoughts. So I happened to say that during
Speaker 1: our grill and chill and she was like, I don't
Speaker 1: believe that. She said, this is what I tell my
Speaker 1: kids when they say that they're not able to do something.
Speaker 1: She said, I remind them that what that really means,
Speaker 1: what they're really saying is I need help. She said,
Speaker 1: how do you think Oprah Beyonce, Michelle Obama achieve and
Speaker 1: accomplish at that level They don't do it because they're
Speaker 1: all alone. Is that they have gotten really good at
Speaker 1: maximizing their community and getting help. And I just like
Speaker 1: it was such an AHA moment because honestly, many I've
Speaker 1: been saying that, oh, well, like, you know, I'm not
Speaker 1: gonna be Opra level because I'm not willing to put
Speaker 1: in Oprah work. And I'm like, girl who taught you that? Yes,
Speaker 1: internally I tell my what I'm like now, but you know,
Speaker 1: and internally I've been telling myself that. And I was like, wow,
Speaker 1: but it's just something I feel like I've been saying
Speaker 1: at a fear thinking that like I would not be
Speaker 1: capable or able to take myself to the next level.
Speaker 1: So it was just like it was a release that
Speaker 1: I needed that a reminder that if for whatever reason,
Speaker 1: I'm unable to do something, it's just a signal that
Speaker 1: I need help. It just means that I need to
Speaker 1: hire somebody, I need to talk, I need to reach out.
Speaker 1: And I just wanted to share that because you might have,
Speaker 1: like you know, be a listeners, you might have some
Speaker 1: limiting thoughts and stories that you're kind of telling yourself
Speaker 1: that I'm not able, I'm that capable, especially anonymous, that
Speaker 1: what you're really saying is that I need help, and
Speaker 1: help is help is available for those who ask. There's
Speaker 1: a great I don't know if it's like I guess
Speaker 1: it's a quote and it just goes a problem shared
Speaker 1: is a problem solved. So you know that in sharing
Speaker 1: what's happening and in asking externally for help, the solution
Speaker 1: is somewhere out there. It's going to meet you. So
Speaker 1: I just you know, it was just like, honestly it
Speaker 1: was when I tell you it's such a small thing
Speaker 1: but such a life changing lesson because I was like, wait,
Speaker 1: so for the last ten years I've been saying that
Speaker 1: you made it tell me that's not true, and I'm like,
Speaker 1: so I'm releasing myself of I can't possibly achieve Oprah
Speaker 1: level or Beyonce level, who says they have help and
Speaker 1: all I need is help, And so that's my boost.
Speaker 2: Of course you can do with budgetist da Ye Bunge
Speaker 2: of Nie Dayance.
Speaker 1: I don't.
Speaker 2: Yeah, of course you can do it. It's just like
Speaker 2: everyone's got their own version of imposter syndrome. And I
Speaker 2: realized it's not something that just all of a sudden
Speaker 2: you train yourself out of it. It's like it creeps up,
Speaker 2: it creeps up. And remember one time I was like
Speaker 2: trying to convince someone that I was going to write
Speaker 2: a book called The Power of Low Expectations and how
Speaker 2: everyone should just low walk expectations and they'd be so
Speaker 2: much happier. And my friend was looking at me like,
Speaker 2: no one's gonna buy this ship.
Speaker 1: It's real depressing, it's hilarious.
Speaker 2: And then I was like, maybe I was in a
Speaker 2: very dark, like a sad place in my life where
Speaker 2: I wasn't really happy with what was happening. But yeah,
Speaker 2: I'm that's that's that's beautiful. And again it's all about
Speaker 2: like it's asking for help and and being brave enough
Speaker 2: to say that you want it so that you can
Speaker 2: start attracting that help and attracting that energy. What are
Speaker 2: you talking. You're gonna like, get out of here. You're
Speaker 2: gonna have like your your your your own network, your
Speaker 2: own Molly Moore action figure. Pixar is probably gonna come
Speaker 2: knocking to turn Molly Moore to a movie. I want
Speaker 2: tickets to the premiere. That's awesome, though.
Speaker 1: Yeah, thank you. Honestly, it's just like I said, it
Speaker 1: will leasse me. And I would really love to hear
Speaker 1: from BA, like whether you email us, you tag me
Speaker 1: the budgetista or Mandy money, especially on ig like what
Speaker 1: are what is a limiting belief that you're like, wait,
Speaker 1: who told me that was true? That maybe this triggered?
Speaker 1: Like I do tell myself, I can't because I would
Speaker 1: love to know what that is so I can give
Speaker 1: you the opposite belief. Someone just literally changed my whole
Speaker 1: perspective by saying no, I just tell my kid. No
Speaker 1: doesn't mean you can't do it. It just means that you
Speaker 1: you need help. And I was like, life change. So
Speaker 1: I would love Mandy and I would look look on
Speaker 1: volunteering Mandy Magee and I would love to do that
Speaker 1: for you. So tag us. It's the BA podcast on IG.
Speaker 2: Right, absolutely not. It is Brand Ambition podcast on Instagram,
Speaker 2: but that's also our Twitter handle. I should check, inde
Speaker 2: if Brown Ambition is available on Twitter. It wasn't five
Speaker 2: years ago, but maybe I should check.
Speaker 1: Yes, we should so, yeah, so Brown Ambition on IG.
Speaker 1: We would love to tag us in the story and
Speaker 1: say my current limiting I know it's a limiting belief,
Speaker 1: is that at that? And so we can give you
Speaker 1: the opposite. I would love to do that for y'all
Speaker 1: because someone did it for me.
Speaker 2: So and if you could please send me all of
Speaker 2: your pep talks, that would be nice to you. I
Speaker 2: could use some of those as well. Thank you very much.
Speaker 1: What you mean me or you mean like anybody?
Speaker 2: You? Oh, Superman, Supergirl, anybody want to got a pep
Speaker 2: talk for me? I can do it right, love, just
Speaker 2: let me know, yeah, okay, all right, tip, Well, another
Speaker 2: another day, another podcast, pleasure as always.
Speaker 1: Yes, as usually, well, you know, I love y'all and
Speaker 1: I love Maandra, which is bigger and better, better and
Speaker 1: bolder things.
Speaker 2: One more month t Election Day I'm not nervous, you're nervous.
Speaker 1: Okay, gotta go take my toe off. Bye for real.
Speaker 2: I forgot