WEBVTT - Ep 237 - The Devil Has No New Tricks

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<v Speaker 1>Hey, Hey, hey guys, It's me Tiffany and it's Manjo.

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<v Speaker 1>We just want to say thank you guys. You guys

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<v Speaker 1>are amazing thanks to you. Since we started our podcast,

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<v Speaker 1>it was just me and Mandy listening to ourselves to

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<v Speaker 1>now we get over one hundred thousand downloads a month,

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<v Speaker 1>and I know it seems like that's awesome, but we

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

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<v Speaker 2>A tiny favor, if you could please share our show.

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<v Speaker 2>Share it on your social media. You can tag us

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<v Speaker 2>at Brown Ambition Podcast. Take a screenshot of the show

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<v Speaker 2>that you're listening to and share it on Twitter, on Insta,

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<v Speaker 2>on Facebook, tell a friend to tell a friend. You

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<v Speaker 2>can tag us on social media. We're at Brown Ambition

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<v Speaker 2>Podcast on Insta, at the BA Podcast on Twitter, and

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<v Speaker 2>of course our Facebook group. You can find us under

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<v Speaker 2>Brown Ambition. Don't forget to tag our personal handles too.

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<v Speaker 2>On Insta. I'm at Mandy Money Mandy with an Ie,

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<v Speaker 2>and Tiffany is at the Budget Nista. When you tag us,

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<v Speaker 2>we will share your post and help amplify it even further.

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<v Speaker 2>Thank y'all for all the love this is just gonna

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<v Speaker 2>help us give us that little extra brown boost.

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<v Speaker 1>Hey hey, hey, we're back. We're black, We're bread ambishon.

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<v Speaker 2>Thank hey, hey, thank you for reminding me that I

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<v Speaker 2>need to design a new T shirt tonight because people

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<v Speaker 2>have been asking for that on a T shirt.

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<v Speaker 1>Oh hey, hey, hey, we're back. We're black, We're brown

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<v Speaker 1>a bus.

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<v Speaker 2>We're back. We're black, We're brown ambition. Yes, Yes, coming

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<v Speaker 2>to a Brown Ambition Store dot com near you. I

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<v Speaker 2>love that you're gonna time this episodes up And thank

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<v Speaker 2>y'all for checking out our merch. Y'all have been asking

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<v Speaker 2>for it for a while and now you can get

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<v Speaker 2>your b a swag on again. It's Brown Ambition Store

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<v Speaker 2>dot com. Check us out.

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<v Speaker 1>Yes, super cutie, so cute. You know what I did recently.

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<v Speaker 1>I know I'm all late, but I listened to the

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<v Speaker 1>Blackest King album.

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<v Speaker 2>I was like, wait, wait, the Lion King album that

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<v Speaker 2>Beyonce did.

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<v Speaker 1>I'm late. I'm late, like CPA time, okay, okay.

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<v Speaker 2>So I was like, this is really good, but you

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<v Speaker 2>can't tell anybody because everyone already knows it's good and

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<v Speaker 2>you have to know that you're late.

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<v Speaker 1>I know, I'm solute late. And then I actually watched

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<v Speaker 1>because you know. I was like over my friend's house

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

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<v Speaker 1>had it playing in the background, but I haven't like

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<v Speaker 1>sat to watch it. And I watched it and I

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<v Speaker 1>was like, yo, Beyonce. Honestly, mm mm mmm, she took

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<v Speaker 1>all my edges. Okay, I'm doing I have have new

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<v Speaker 1>gro on my edges to to reclaim them. Because the video,

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

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<v Speaker 1>But then the songs like I love Already, Oh my god,

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

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<v Speaker 2>Yeah, yeah, I just I know.

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<v Speaker 1>I'm late, super duper late, but excellent.

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<v Speaker 2>Well, you know, so late. We can find a relevant segue,

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

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<v Speaker 2>I read and the same director who I believe directed Moonlight,

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<v Speaker 2>who's Barry Jenkins. Is that right? Yes, that sounds right,

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

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<v Speaker 2>which is amazing.

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<v Speaker 1>Yes, can we give a moment of delicious black silence

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<v Speaker 1>for Barry super super black.

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<v Speaker 3>Name.

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<v Speaker 1>My name is Banji. I love it.

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<v Speaker 2>A good old berry, good old Barry. Yeah, I'm excited

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<v Speaker 2>about that I was just wait a second, oh, my cousin.

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<v Speaker 2>I have been harassing my cousins in Georgia, y'all. I

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

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

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

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

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<v Speaker 2>just like, oh, these two we just talked for hours

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<v Speaker 2>about politics and whatever is going on. But anyway, he

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<v Speaker 2>lives in Georgia, and I was like, I really feel

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<v Speaker 2>this need to make sure that my family and Georgia

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<v Speaker 2>is registered to vote, because Loki, I don't think they

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<v Speaker 2>all are. And I'm not naming names, but I'm like,

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

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<v Speaker 2>hear any of them talk about voting. And then when

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

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

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<v Speaker 2>register online, and so I was just like texting. I

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

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<v Speaker 2>was like facebooking them. They say that they're registered. So

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<v Speaker 2>I just like in New York, I don't know, I

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<v Speaker 2>feel like my progressive views here in New York are

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<v Speaker 2>not so special, but Georgia is like Georgia could really

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<v Speaker 2>I mean Georgia's purple and they really could be on

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<v Speaker 2>the way to a change, like a historic change in

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<v Speaker 2>terms of how they vote. And I don't know. I'm

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<v Speaker 2>just trying to channel all my nervous energy about twenty

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<v Speaker 2>twent you want into the election, into trying to get

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<v Speaker 2>people to register. So this is my call to action

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<v Speaker 2>for everybody. Please make sure you're registered to vote. Check

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<v Speaker 2>our show notes for a link to how you can

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<v Speaker 2>check to see if you're registered. I triple checked because

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<v Speaker 2>I was just like so nervous that I wasn't going

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<v Speaker 2>to be registered. And in Georgia, have you heard about,

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<v Speaker 2>you know, Stacy Abrams, her whole, her whole campaign for

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<v Speaker 2>governor in Georgia was side railed by blatant voter suppression.

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<v Speaker 2>In one of the ways in Georgia that they're notorious

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<v Speaker 2>for doing that is just purging people from the registered polls.

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<v Speaker 2>So you do everything right, except maybe you forget a

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<v Speaker 2>letter in your address or a letter in your name

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<v Speaker 2>or nothing at all, and you can just be unregistered

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

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<v Speaker 2>so even if you think you're registered, triple.

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<v Speaker 1>Check people are just so the Devil is busy, what

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<v Speaker 1>is it? What did old black folks say? The Devil

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<v Speaker 1>ain't got no new tricks.

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<v Speaker 2>I mean, he's very I mean the wait, the Devil

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<v Speaker 2>is twenty twenty. The Devil is a play. I mean,

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<v Speaker 2>but like, if you're going to come through and burn

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<v Speaker 2>everything down, can you can you get Trump on the way?

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<v Speaker 1>Like well, I'm not saying, but I'm saying the White

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<v Speaker 1>House is, uh this way, but in some good news.

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<v Speaker 1>This is like random but not so random. So I

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

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<v Speaker 1>to make Molly Moore show remember we talked about that.

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<v Speaker 1>That was like, oh, I want to make Molly Moore

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<v Speaker 1>show girl. Yes, So I was like simple enough because obviously,

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<v Speaker 1>like you know, I can do it. I interviewed some

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<v Speaker 1>animators because not to be confused with illustrators. Illustrator is

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<v Speaker 1>you know, they draw great animation, you have to bring

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<v Speaker 1>it to life, make it move. But I thought, oh,

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<v Speaker 1>same thing, right, No, no, because literally I just found

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<v Speaker 1>out that for one second of animation, it might be

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

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<v Speaker 1>So you're looking at a one minute animation going from

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<v Speaker 1>like three thousand dollars for one full finish minute up

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<v Speaker 1>to fifty thousand dollars. I'm talking about Disney movies. And

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<v Speaker 1>so I was like, yeah, I can't have had that.

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<v Speaker 2>You were gonna make your own TV show or wait

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<v Speaker 2>til no?

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<v Speaker 1>I told myself I was gonna. I wanted to do

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<v Speaker 1>like a minimal viable product by like maybe making my

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<v Speaker 1>own Molly Moore episodes. You know. Then I priced out

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<v Speaker 1>animators and I was like, oh, I don't have that

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<v Speaker 1>level of coin. So I was getting kind of discouraged

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<v Speaker 1>because if you know, you know, like I'm really not

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<v Speaker 1>wanting to sell Molly Moore. But then, you know, because I,

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<v Speaker 1>like I said, I did my Googles, but I also

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<v Speaker 1>interviewed three different animators and they were like, yeah, girl,

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

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<v Speaker 1>illustrator himself. He told me when we first met that

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<v Speaker 1>he also did some animation, and I was like, you

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<v Speaker 1>know what, I didn't even reach out to him, let

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<v Speaker 1>me paying him. I did, and I asked him you know,

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<v Speaker 1>do you know, do you have any examples of some

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<v Speaker 1>of your animation? He sent it It looked awesome, and

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<v Speaker 1>I was like, wait, if could I pay you to

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<v Speaker 1>be because I had asked me a year ago one

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<v Speaker 1>day when Molly Moore is big time, I want you

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<v Speaker 1>to work for Molly Moore full time, you know. So

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<v Speaker 1>we kind of like, you know, had like a moment

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<v Speaker 1>on that, and then I was like, what would it

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<v Speaker 1>cost to bring you on full time to animate? And

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<v Speaker 1>then how many videos could I expect? He was like three,

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<v Speaker 1>three on the low end of twelve minute videos and

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<v Speaker 1>on the high end, you know, four to six, depending

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<v Speaker 1>and like what else he's working on? And so he

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<v Speaker 1>agreed to come on full time. And the price is like,

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<v Speaker 1>you know, the cost is his salary, but it's more

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

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<v Speaker 1>of six minutes of animation his annual salary. That's what

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<v Speaker 1>it would be. And although I don't Molly Moore is

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<v Speaker 1>not making that as far as consistently like monthly, But

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<v Speaker 1>I just got a school system just agreed to buy

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<v Speaker 1>four thousand Molly Moore books, and so it gives me

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<v Speaker 1>the money I need to be able to pay him

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<v Speaker 1>to lock him down for a year, including insurance. So

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<v Speaker 1>I'm like super geeked Ben, I'll be able to like

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

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<v Speaker 1>that has her own cartoon that she's making herself.

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<v Speaker 2>I love it own own, own owner.

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

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<v Speaker 1>super excited about it. I just talked to him today

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<v Speaker 1>and he was like, hey, yeah, I want to come

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<v Speaker 1>on full time because you know what creators. The issue

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<v Speaker 1>is creatives. The issue is oftentimes payment, Like people don't

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<v Speaker 1>pay on time. You have to chase people down for

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<v Speaker 1>your money. You have to get all these different contracts.

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<v Speaker 1>And he was like, honestly, Tiffany, it would be so

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<v Speaker 1>nice to have one person that pays me and you

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<v Speaker 1>you know, we've worked together for a number of years,

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<v Speaker 1>and you know I don't have to chase down anybody

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<v Speaker 1>else for my money, and then I can work on

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<v Speaker 1>some passion things on my own without having to worry

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<v Speaker 1>about how am I going to eat.

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<v Speaker 2>So or his insurance.

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<v Speaker 1>Yeah, which is amazing, Yes, because I told him because

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<v Speaker 1>first he told me how much, and I said, well,

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<v Speaker 1>we don't have insurance yet at our company. So I

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<v Speaker 1>need you to because his where he works now, they

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<v Speaker 1>provide insurance. I said, so I need you to get

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<v Speaker 1>with an insurance agent and find out how much it's

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<v Speaker 1>going to cost you annually and fold that in to

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<v Speaker 1>what you said that you'll need. So he did, and

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<v Speaker 1>then I asked some sank on it because I told

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<v Speaker 1>him today, I like to I like to overpay. I

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<v Speaker 1>like to overpay my my black and brown folks, you know.

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<v Speaker 1>So I was like, well, let's add like, you know,

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<v Speaker 1>four or five thousand dollars to that. He was like really,

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<v Speaker 1>I was like, yes, because you deserve you go above

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<v Speaker 1>and beyond. And I know that you're going to go

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<v Speaker 1>above and beyond more even more so than this extra

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<v Speaker 1>five that I'm going to add to it. And because

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<v Speaker 1>he did with the book, and so I just feel like,

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<v Speaker 1>when you pay people, well, then they show up well.

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<v Speaker 1>When you pay let me back it up, when you

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<v Speaker 1>pay good people, well, they show up even better. And

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<v Speaker 1>so he has already shown me with this first book.

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<v Speaker 1>He's gone. He went above and beyond what was supposed

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<v Speaker 1>to be a one year project drug onto two years,

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<v Speaker 1>and he killed it every step of the way. So

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<v Speaker 1>so I'm just excited to have him on and I'm like,

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

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<v Speaker 1>was hiring him after I wrote the book and I

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<v Speaker 1>was like, I need him. Shoot, so I'm not saying

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<v Speaker 1>his name.

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<v Speaker 2>And for people who are new work, can they find

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<v Speaker 2>out about Molly Moore you're children?

0:11:00.520 --> 0:11:03.520
<v Speaker 1>Oh, you can go to mollymore dot com m A

0:11:03.800 --> 0:11:06.240
<v Speaker 1>l I m o r E. The website is brand new.

0:11:06.360 --> 0:11:09.480
<v Speaker 1>It looks I'm not gonna lie, Mandy, I'm the website

0:11:09.559 --> 0:11:10.280
<v Speaker 1>looks so adorable.

0:11:11.360 --> 0:11:12.720
<v Speaker 2>I haven't been since the kickstarter.

0:11:13.440 --> 0:11:15.920
<v Speaker 1>Yes, no, it looks we just actually it just finished

0:11:15.920 --> 0:11:17.440
<v Speaker 1>like a couple of days ago. It is so do

0:11:17.600 --> 0:11:20.199
<v Speaker 1>I love the website. So mollymore dot com m A

0:11:20.360 --> 0:11:22.320
<v Speaker 1>l I m o r E. You can get you

0:11:22.320 --> 0:11:24.560
<v Speaker 1>a book and you definitely will see the illustrator name.

0:11:24.600 --> 0:11:27.200
<v Speaker 1>I mean, I don't mind, but just you know, you

0:11:27.200 --> 0:11:28.400
<v Speaker 1>you could have him to the end of the year,

0:11:28.400 --> 0:11:29.040
<v Speaker 1>but I got to.

0:11:29.520 --> 0:11:32.480
<v Speaker 2>Like, you know, hide people like that. I know boarding

0:11:32.559 --> 0:11:33.520
<v Speaker 2>all the town I.

0:11:33.559 --> 0:11:36.120
<v Speaker 1>Know, and the truth is like what whatever, Like I'm like,

0:11:36.160 --> 0:11:37.440
<v Speaker 1>you know, it's not like his name is not all

0:11:37.480 --> 0:11:38.280
<v Speaker 1>over all the books.

0:11:38.280 --> 0:11:41.439
<v Speaker 2>So yeah, that is some good news. I'm glad you're

0:11:41.480 --> 0:11:45.920
<v Speaker 2>able to find the solution because the animation is insanely expensive. Yes,

0:11:45.960 --> 0:11:49.120
<v Speaker 2>I remember from when I used to produce videos at Yahoo.

0:11:49.640 --> 0:11:52.560
<v Speaker 2>But can we talk for a minute about how the

0:11:52.640 --> 0:11:57.080
<v Speaker 2>rona has come come for the White House? Can y'all

0:11:57.120 --> 0:11:59.839
<v Speaker 2>please wear a mask? Do you think he really has

0:11:59.840 --> 0:12:01.000
<v Speaker 2>to say? What?

0:12:01.880 --> 0:12:03.680
<v Speaker 1>Do you think he really had the rona? And or

0:12:03.679 --> 0:12:06.200
<v Speaker 1>he's just saying it because of all the ship chill

0:12:06.240 --> 0:12:10.679
<v Speaker 1>that was the debate oh him, Yeah, calling out the

0:12:10.679 --> 0:12:11.880
<v Speaker 1>Proud Boys and stuff.

0:12:12.000 --> 0:12:14.600
<v Speaker 2>Yeah, it was actually pretty fortunate that we recorded our

0:12:14.600 --> 0:12:17.679
<v Speaker 2>episode last Monday, and by like Tuesday night happened and

0:12:17.720 --> 0:12:20.120
<v Speaker 2>then our show came out, and oh my god, because

0:12:20.120 --> 0:12:22.200
<v Speaker 2>I don't know what I would have even said about

0:12:22.200 --> 0:12:24.480
<v Speaker 2>that debate. I don't know. I know that there's so

0:12:24.600 --> 0:12:28.920
<v Speaker 2>much mistrust, of distrust, whatever, trust lack of trust for

0:12:29.080 --> 0:12:31.560
<v Speaker 2>this administration because they just lie la la la, lie

0:12:31.600 --> 0:12:34.800
<v Speaker 2>through their teeth and through their tweets on a constant basis.

0:12:34.800 --> 0:12:37.400
<v Speaker 2>But to the extent where all these people have COVID,

0:12:37.480 --> 0:12:40.640
<v Speaker 2>it's it's it just seems very logical that he's got it,

0:12:40.679 --> 0:12:42.760
<v Speaker 2>because it seems like all of his inner circle got it.

0:12:42.840 --> 0:12:46.040
<v Speaker 2>And the super Spreader event appear appeared to have been

0:12:46.040 --> 0:12:51.080
<v Speaker 2>this this reception for his Supreme Court nominee Amy It

0:12:51.120 --> 0:12:54.760
<v Speaker 2>is it comy or cony. I forget Barrett, but yeah,

0:12:54.800 --> 0:12:59.320
<v Speaker 2>they issue that he is apparently getting discharged, and he

0:12:59.360 --> 0:13:02.400
<v Speaker 2>went on some like Twitter trade last night. But I

0:13:02.440 --> 0:13:04.920
<v Speaker 2>don't even want to focus energy on that. I just

0:13:05.040 --> 0:13:08.560
<v Speaker 2>need people like this is just a reminder because he

0:13:08.720 --> 0:13:10.079
<v Speaker 2>I think with the thing that he tweeted when he

0:13:10.160 --> 0:13:13.000
<v Speaker 2>was discharged today again this is Monday, October fifth, when

0:13:13.000 --> 0:13:15.840
<v Speaker 2>we're recording, was something about how, you know, don't be

0:13:15.840 --> 0:13:18.880
<v Speaker 2>afraid of COVID nineteen. Don't be afraid of it. Oh

0:13:18.920 --> 0:13:22.839
<v Speaker 2>my God, like, oh my, honestly be afraid. You guys

0:13:22.840 --> 0:13:25.640
<v Speaker 2>be afraid. Please be afraid to wear a mask, please.

0:13:25.320 --> 0:13:26.160
<v Speaker 1>Harm on people.

0:13:27.120 --> 0:13:30.400
<v Speaker 2>But Lord Jesus, I'm afraid to say what I've been

0:13:30.440 --> 0:13:32.480
<v Speaker 2>saying to my friend. I'm afraid to.

0:13:32.440 --> 0:13:35.960
<v Speaker 1>Say it on the record, like like our friend, because

0:13:36.000 --> 0:13:38.400
<v Speaker 1>people are like, oh, you know how like Joe Biden

0:13:38.480 --> 0:13:40.600
<v Speaker 1>and his wife, They're like, oh, you know, we're praying

0:13:40.600 --> 0:13:44.280
<v Speaker 1>for you. I'm going to quote my friend lovey Jesus,

0:13:44.360 --> 0:13:47.280
<v Speaker 1>Hakim Christ is busy. I am not praying for that man.

0:13:49.240 --> 0:13:51.400
<v Speaker 2>Okay, yeah we can, we can. We can air quote,

0:13:51.679 --> 0:13:53.360
<v Speaker 2>we can, we can quote lovey on that. That's good.

0:13:53.440 --> 0:13:57.000
<v Speaker 2>I'll stand by I will endorse her statements. Yeah, it's

0:13:57.040 --> 0:13:59.560
<v Speaker 2>making me feel some very Unchristian feelings, That's all I'm

0:13:59.559 --> 0:14:01.840
<v Speaker 2>gonna say. But it is what it is. And I

0:14:01.960 --> 0:14:04.160
<v Speaker 2>but the thing is we have for those of you

0:14:04.240 --> 0:14:06.839
<v Speaker 2>at home. I mean, it's you've got to you've got

0:14:06.880 --> 0:14:10.440
<v Speaker 2>to protect yourselves. I really don't, you know, in New York,

0:14:10.640 --> 0:14:13.600
<v Speaker 2>I just feel like we're heading into flu season. It

0:14:13.640 --> 0:14:16.920
<v Speaker 2>feels like there's this some you know, false sense of security.

0:14:17.000 --> 0:14:20.200
<v Speaker 2>But with the election coming, we need everybody to be

0:14:20.240 --> 0:14:22.840
<v Speaker 2>healthy and to be out there voting, especially if you're

0:14:22.880 --> 0:14:26.040
<v Speaker 2>black or brown. Not only is COVID impacting our communities

0:14:26.040 --> 0:14:31.320
<v Speaker 2>at more like disproportionate rates, We're dying from COVID more

0:14:31.360 --> 0:14:34.560
<v Speaker 2>than any other group. We have got to take this seriously.

0:14:34.840 --> 0:14:37.920
<v Speaker 2>And if you have family who has been impacted by

0:14:37.920 --> 0:14:40.840
<v Speaker 2>COVID or not, where there they seem to have, you know,

0:14:41.000 --> 0:14:46.480
<v Speaker 2>flouted regulations or not. Sorry, God forbid, we have regulations flouted, uh,

0:14:46.720 --> 0:14:51.120
<v Speaker 2>you know, guidance from our you know, scientists and science

0:14:51.120 --> 0:14:53.560
<v Speaker 2>out there saying to wear masks and sanitize and all that.

0:14:54.240 --> 0:14:57.520
<v Speaker 2>Just try and and and get them on board. It

0:14:57.600 --> 0:15:00.200
<v Speaker 2>really is so simple to wear a mask, and I

0:15:00.280 --> 0:15:02.640
<v Speaker 2>just can't get around like it's so selfish not to

0:15:02.960 --> 0:15:05.640
<v Speaker 2>It's these people out here saying that wearing a mask

0:15:05.800 --> 0:15:09.840
<v Speaker 2>is a choice, it is an individual choice. And how

0:15:09.880 --> 0:15:12.520
<v Speaker 2>they're exercising, Like, what do they think they're exercising? Just

0:15:12.520 --> 0:15:14.400
<v Speaker 2>their freedom to be a jackass, That's what it is.

0:15:15.000 --> 0:15:17.280
<v Speaker 2>Because it's not about you. It's about the person who

0:15:17.360 --> 0:15:19.960
<v Speaker 2>you don't know walking by you on the sidewalk, who

0:15:20.000 --> 0:15:22.720
<v Speaker 2>may have a pre existing condition, or may live with

0:15:22.760 --> 0:15:25.200
<v Speaker 2>someone who has a pre existing condition. And how many

0:15:25.200 --> 0:15:29.000
<v Speaker 2>people who have indirectly you know, killed someone because of

0:15:29.040 --> 0:15:31.480
<v Speaker 2>their own negligence and their own selfish behavior. It just

0:15:31.600 --> 0:15:36.680
<v Speaker 2>is I blah blah blah. Wear a mask. Please, please, please,

0:15:36.760 --> 0:15:38.800
<v Speaker 2>please wear a mask and vote.

0:15:39.280 --> 0:15:41.920
<v Speaker 1>Yes, please please, for the love of all.

0:15:41.800 --> 0:15:44.760
<v Speaker 2>Things, I'm begging you, begging you that everyone is. I mean,

0:15:44.800 --> 0:15:46.520
<v Speaker 2>what does it feel like in your in your circle?

0:15:46.560 --> 0:15:50.880
<v Speaker 2>Because I I I'm on Twitter and it's I feel

0:15:51.000 --> 0:15:54.640
<v Speaker 2>people in my circle just like colleagues and you know friends.

0:15:54.680 --> 0:15:57.720
<v Speaker 2>Over the years and stuff, people are starting to crack up.

0:15:57.760 --> 0:15:59.720
<v Speaker 2>I think a little bit, just like, really, the fear

0:15:59.760 --> 0:16:04.520
<v Speaker 2>is the anxiety. People are so so afraid, and I'll

0:16:04.520 --> 0:16:07.080
<v Speaker 2>put myself in that, you know, that same category, so

0:16:07.160 --> 0:16:09.920
<v Speaker 2>afraid of what's going to happen November three. I don't

0:16:09.960 --> 0:16:11.640
<v Speaker 2>know that I can even process a world and with

0:16:12.160 --> 0:16:15.440
<v Speaker 2>like a thought of what would happen if you know,

0:16:15.520 --> 0:16:16.440
<v Speaker 2>he coulds re elected.

0:16:16.600 --> 0:16:20.840
<v Speaker 1>Yeah, I'm honestly, I just I can't. It's too much.

0:16:20.880 --> 0:16:24.120
<v Speaker 1>So I just said, you know what I am. I honestly,

0:16:24.120 --> 0:16:25.600
<v Speaker 1>I don't know. I don't know what I would Honestly,

0:16:25.720 --> 0:16:27.720
<v Speaker 1>I feel like we would all fall into this deep depression.

0:16:27.800 --> 0:16:30.520
<v Speaker 1>I just I've just yeah, I just decided that I'm

0:16:30.520 --> 0:16:31.760
<v Speaker 1>just going to take it one day at a time,

0:16:32.200 --> 0:16:34.280
<v Speaker 1>focus on like what I'm able to do, because it's

0:16:34.320 --> 0:16:36.240
<v Speaker 1>too much. That's why I did not watch the debates.

0:16:36.280 --> 0:16:38.160
<v Speaker 2>You know, if you don't watch the debate, you got

0:16:38.240 --> 0:16:40.240
<v Speaker 2>to watch them. Well, you don't not watch the debate.

0:16:40.280 --> 0:16:42.400
<v Speaker 1>But no, I said, I can't do it.

0:16:42.440 --> 0:16:43.040
<v Speaker 2>I can't do it.

0:16:43.080 --> 0:16:44.200
<v Speaker 1>I can do it. I was like, you know what,

0:16:44.240 --> 0:16:46.720
<v Speaker 1>I'll get enough of the clips later to depress my life,

0:16:47.240 --> 0:16:48.560
<v Speaker 1>but yeah, I can't do it.

0:16:49.080 --> 0:16:51.360
<v Speaker 2>Yeah, I mean I choose to watch the debates because

0:16:51.360 --> 0:16:54.720
<v Speaker 2>I want to be a witness to this moment. I

0:16:54.760 --> 0:16:57.200
<v Speaker 2>want to drink in the pain. I want to feel

0:16:57.200 --> 0:16:59.960
<v Speaker 2>the pain. I want to like rake my core over

0:17:00.120 --> 0:17:02.720
<v Speaker 2>the coals and just feel the pain of what our

0:17:03.120 --> 0:17:06.080
<v Speaker 2>you know, negligence and in action has created. I mean,

0:17:06.119 --> 0:17:08.320
<v Speaker 2>I don't mean to be that sounds really dramatic, but

0:17:08.800 --> 0:17:12.720
<v Speaker 2>I genuinely feel like we have so much responsibility and

0:17:12.760 --> 0:17:15.640
<v Speaker 2>what our elected officials do and who our elect officials are,

0:17:15.680 --> 0:17:19.560
<v Speaker 2>and we've just forgotten how much power we have. I think,

0:17:19.880 --> 0:17:21.800
<v Speaker 2>so it's just we we really have and I just

0:17:22.040 --> 0:17:24.320
<v Speaker 2>never ever want to forget. I never want to forget

0:17:24.359 --> 0:17:27.000
<v Speaker 2>how I felt watching that ninety minutes, like I wanted

0:17:27.040 --> 0:17:29.600
<v Speaker 2>to crawl out of my skin at what, you know,

0:17:29.840 --> 0:17:32.639
<v Speaker 2>what we allowed to happen. And I never want I

0:17:32.680 --> 0:17:34.800
<v Speaker 2>just I just don't want us to ever forget. You know,

0:17:35.320 --> 0:17:38.320
<v Speaker 2>this can't be. This can't be a four year period

0:17:38.359 --> 0:17:42.119
<v Speaker 2>that just just becomes a blip. We have it. I

0:17:42.160 --> 0:17:44.960
<v Speaker 2>wanted to scare future generations. I want rio to be like,

0:17:45.000 --> 0:17:47.760
<v Speaker 2>how did you let this happen? I will never yeah,

0:17:47.920 --> 0:17:50.600
<v Speaker 2>like do better, do better than us, because I just

0:17:51.200 --> 0:17:53.760
<v Speaker 2>it can't happen again. And we've got to we've got

0:17:53.760 --> 0:17:55.240
<v Speaker 2>to like and I guess this is where I can be.

0:17:55.680 --> 0:17:58.240
<v Speaker 2>I get excited and optimistic. Is that, you know, if

0:17:58.240 --> 0:18:00.880
<v Speaker 2>we really do take this seriously and will truly change

0:18:00.920 --> 0:18:02.840
<v Speaker 2>and they come out and vote and they get more involved,

0:18:02.880 --> 0:18:05.280
<v Speaker 2>not just in presidential elections but all the little ones

0:18:05.320 --> 0:18:09.240
<v Speaker 2>that really matter, that we'll see lasting change. And that

0:18:09.400 --> 0:18:13.159
<v Speaker 2>is so I pray. I'm like praying please again, Like

0:18:13.200 --> 0:18:16.399
<v Speaker 2>if you're not registered yet or you're not sure, double

0:18:16.480 --> 0:18:18.240
<v Speaker 2>check check our show notes for the link to where

0:18:18.280 --> 0:18:20.639
<v Speaker 2>you can check to see if you're registered. And then

0:18:21.040 --> 0:18:24.000
<v Speaker 2>I think even the Obama's you know, posted this week

0:18:24.040 --> 0:18:26.199
<v Speaker 2>and said, if there's one thing you can do for

0:18:26.280 --> 0:18:28.520
<v Speaker 2>us on it, what is at their wedding anniversary, it's

0:18:28.600 --> 0:18:32.359
<v Speaker 2>convinced someone who may not vote to vote, please do

0:18:32.600 --> 0:18:35.919
<v Speaker 2>because on one hundred million people did not vote in

0:18:36.000 --> 0:18:38.560
<v Speaker 2>twenty sixteen, one hundred million people, Like, we have got

0:18:38.600 --> 0:18:42.000
<v Speaker 2>to get out there, y'all. So put your centicism in

0:18:42.040 --> 0:18:44.919
<v Speaker 2>a bag, put it, you know, throw it over your

0:18:44.920 --> 0:18:46.920
<v Speaker 2>shoulder and just carry it with you to the polls. Okay,

0:18:47.000 --> 0:18:49.200
<v Speaker 2>you can be a cynic and still vote, but please wait.

0:18:49.280 --> 0:18:52.760
<v Speaker 1>Exactly, it's just we are living through the what's the

0:18:52.760 --> 0:18:54.720
<v Speaker 1>worst thing that can happen? We are living through that

0:18:54.800 --> 0:18:56.160
<v Speaker 1>now it can actually get worse than.

0:18:56.080 --> 0:19:00.639
<v Speaker 2>This, So it can. It has every day every day,

0:19:01.040 --> 0:19:03.879
<v Speaker 2>every day, every day. But what I mean like the

0:19:03.920 --> 0:19:06.439
<v Speaker 2>feelings of like what you can control. I mean, I

0:19:06.480 --> 0:19:11.159
<v Speaker 2>definitely feel like work, I feel like money. I've just

0:19:11.240 --> 0:19:15.080
<v Speaker 2>been like just hanging on to anything, any hanging on

0:19:15.119 --> 0:19:17.760
<v Speaker 2>to any any, any little thing that I can to

0:19:17.800 --> 0:19:19.800
<v Speaker 2>feel like I have some kind of control until I can,

0:19:19.880 --> 0:19:22.520
<v Speaker 2>like like I wish that when I go to the election,

0:19:22.640 --> 0:19:24.760
<v Speaker 2>I just want to, like I just want to like

0:19:25.119 --> 0:19:27.359
<v Speaker 2>stop my foot in it, Like I just want like

0:19:27.440 --> 0:19:30.159
<v Speaker 2>the not like I'm just imagining the ballot like I

0:19:30.240 --> 0:19:33.439
<v Speaker 2>just want to take this pen or whatever I'm gonna like,

0:19:33.440 --> 0:19:35.439
<v Speaker 2>how do you even forget now? Is it like digital?

0:19:35.440 --> 0:19:37.040
<v Speaker 2>I don't know what it's going to be. I want

0:19:37.080 --> 0:19:40.440
<v Speaker 2>to I'm going to put elbow grease into into hitting

0:19:40.520 --> 0:19:43.120
<v Speaker 2>Joe Biden's name on that ballot. I just and I'm

0:19:43.160 --> 0:19:45.320
<v Speaker 2>going to skip on out of there because I I

0:19:45.560 --> 0:19:48.720
<v Speaker 2>I I I can't. I'm gonna stop now, Please stop

0:19:49.240 --> 0:19:53.359
<v Speaker 2>stop me, Please stop that. I can't. I didn't take

0:19:53.400 --> 0:19:58.480
<v Speaker 2>myself off today, as you can tell. Oh, I just remembered, well.

0:19:59.240 --> 0:20:02.520
<v Speaker 1>I mean, I don't even know it's gonna sound a brighter. No,

0:20:02.680 --> 0:20:03.640
<v Speaker 1>I don't know that.

0:20:04.680 --> 0:20:06.320
<v Speaker 2>You keep trying, you keep trying to bring it back,

0:20:06.320 --> 0:20:06.880
<v Speaker 2>and I keep breaking.

0:20:07.080 --> 0:20:09.679
<v Speaker 1>But I'm like fall is coming, the leaves are changing.

0:20:09.760 --> 0:20:10.800
<v Speaker 1>It's pretty less.

0:20:10.880 --> 0:20:13.440
<v Speaker 2>And now this weekend was beautiful and we did get

0:20:13.440 --> 0:20:15.600
<v Speaker 2>our butts out and we went to like an uh

0:20:15.720 --> 0:20:17.720
<v Speaker 2>am I some of my little brothers in town. Actually

0:20:18.119 --> 0:20:20.199
<v Speaker 2>I kicked all three of the boys outside. I was like,

0:20:20.240 --> 0:20:22.600
<v Speaker 2>go burn some wood, just because like it can't be

0:20:22.640 --> 0:20:24.399
<v Speaker 2>in here making noise, making a rocket. So they're out

0:20:24.400 --> 0:20:25.879
<v Speaker 2>there just staring at a fire pit right now in

0:20:25.920 --> 0:20:26.880
<v Speaker 2>our backyard.

0:20:27.280 --> 0:20:30.680
<v Speaker 1>Like that, like like whatever. Like if I my husband

0:20:30.720 --> 0:20:33.080
<v Speaker 1>doesn't not like for his his friend, they don't listen

0:20:33.080 --> 0:20:34.480
<v Speaker 1>to the podcast anyway to know that he's like a

0:20:34.560 --> 0:20:37.040
<v Speaker 1>lightweight when it comes to drinking, because he doesn't drink

0:20:37.359 --> 0:20:40.280
<v Speaker 1>and so like, you know, one beer, two and you like,

0:20:40.400 --> 0:20:44.320
<v Speaker 1>I'm like, he's two is like oh so you just

0:20:44.400 --> 0:20:45.439
<v Speaker 1>you want alcohol poisoning.

0:20:45.560 --> 0:20:49.000
<v Speaker 2>That's how exactly that's what I'm saying.

0:20:49.040 --> 0:20:51.679
<v Speaker 1>It's so crazy because after one he's like, WHOA, I

0:20:51.720 --> 0:20:53.280
<v Speaker 1>had it. I'm like, brouh, I can do more than one.

0:20:53.280 --> 0:20:55.320
<v Speaker 1>And I don't even drink. So it's funny when he's

0:20:55.320 --> 0:20:57.320
<v Speaker 1>out there, like with the fella, it's like, you know,

0:20:57.520 --> 0:21:00.000
<v Speaker 1>just having a bouski. I'm like, you don't even bruskie,

0:21:00.119 --> 0:21:02.080
<v Speaker 1>but I I could see him, and I see him

0:21:02.119 --> 0:21:06.359
<v Speaker 1>nursing it like a little sip babysit. And then I

0:21:06.400 --> 0:21:08.880
<v Speaker 1>go out there later beer more than halfway in the thing,

0:21:09.240 --> 0:21:11.400
<v Speaker 1>and I'm like, oh, I hope you fool them into

0:21:11.440 --> 0:21:14.080
<v Speaker 1>thinking that you're out here just you know, getting down

0:21:14.119 --> 0:21:14.760
<v Speaker 1>with the boys.

0:21:15.480 --> 0:21:18.000
<v Speaker 2>But they love burning stuff, like just burn. I'm like,

0:21:18.040 --> 0:21:19.960
<v Speaker 2>here's we have this big pile of wood. I'm just like,

0:21:20.000 --> 0:21:21.640
<v Speaker 2>just sit here and put one piece out of time

0:21:21.680 --> 0:21:24.119
<v Speaker 2>and just burn and just like, yeah, look at us

0:21:24.119 --> 0:21:28.520
<v Speaker 2>burn and fire. Rio will he'll learn from the boys.

0:21:28.560 --> 0:21:30.960
<v Speaker 2>But it's been nice having him here, and he has

0:21:31.080 --> 0:21:33.800
<v Speaker 2>having my little brother here. It's just been because he's

0:21:33.800 --> 0:21:36.800
<v Speaker 2>so you know, he's athletic and he's fit, and so

0:21:36.920 --> 0:21:39.520
<v Speaker 2>he's been getting me walking. We went on a little

0:21:39.600 --> 0:21:43.120
<v Speaker 2>hike to this this damn this park nearby, and it's

0:21:43.119 --> 0:21:45.040
<v Speaker 2>been really nice to have like a little walking buddy.

0:21:45.160 --> 0:21:48.119
<v Speaker 2>And we went to what an orchard and you know,

0:21:48.160 --> 0:21:49.720
<v Speaker 2>we had to get the picture of the baby and

0:21:49.760 --> 0:21:52.680
<v Speaker 2>the pumpkin patch. Although I will say next year, I

0:21:52.720 --> 0:21:55.480
<v Speaker 2>will save myself the forty five minute round trip ride

0:21:55.960 --> 0:21:58.440
<v Speaker 2>and just take him to the supermarket and throw him

0:21:58.440 --> 0:22:02.439
<v Speaker 2>in been a pumpkin, because like, why why did I

0:22:02.440 --> 0:22:04.479
<v Speaker 2>pay twenty five dollars for this? Like they literally just

0:22:04.560 --> 0:22:06.720
<v Speaker 2>dump a bunch of pumpkins in a field and charge

0:22:06.720 --> 0:22:10.240
<v Speaker 2>people to take pictures for social media. And it's brilliant,

0:22:10.359 --> 0:22:13.280
<v Speaker 2>you know, it's a brilliant business move. But why why

0:22:13.280 --> 0:22:15.320
<v Speaker 2>do we need to pay for this? I could just

0:22:15.359 --> 0:22:19.399
<v Speaker 2>go to Trader Joe's and co op the pumpkin the

0:22:19.400 --> 0:22:21.880
<v Speaker 2>pumpkin bin. But it was it was nice to get out.

0:22:21.960 --> 0:22:23.280
<v Speaker 2>Did you do anything fun this weekend?

0:22:23.800 --> 0:22:25.600
<v Speaker 1>Yeah, honestly, it was a cool weekend. I went to

0:22:25.640 --> 0:22:28.200
<v Speaker 1>go visit the crazies. That's what I call my my

0:22:28.280 --> 0:22:30.399
<v Speaker 1>niece and my nephew that lived down the street, because

0:22:30.440 --> 0:22:30.960
<v Speaker 1>they're crazy.

0:22:31.000 --> 0:22:33.080
<v Speaker 2>But to like, also, who has to live so close

0:22:33.119 --> 0:22:33.800
<v Speaker 2>to them?

0:22:34.200 --> 0:22:36.199
<v Speaker 1>You know, honestly, it's it's honestly really awesome. Like if

0:22:36.240 --> 0:22:38.119
<v Speaker 1>I'm having a really bad day, I'm like, I just

0:22:38.160 --> 0:22:40.120
<v Speaker 1>called my sister. I'm like, oh, what are the crazies doing?

0:22:40.160 --> 0:22:42.560
<v Speaker 1>She's like being crazy, and I'm like I'll be there

0:22:42.640 --> 0:22:47.200
<v Speaker 1>for a minute and then whatever I call they screamed.

0:22:47.240 --> 0:22:48.879
<v Speaker 1>We just we have like a whole routine of like

0:22:48.920 --> 0:22:51.800
<v Speaker 1>screaming and making all this shenanigans a noise. And then

0:22:51.840 --> 0:22:53.240
<v Speaker 1>I leave them wilder than I found them.

0:22:53.280 --> 0:22:54.480
<v Speaker 2>She's like thanks getting them.

0:22:57.280 --> 0:22:59.160
<v Speaker 1>And then yesterday I had a nice grill and chill,

0:22:59.200 --> 0:23:01.399
<v Speaker 1>which just it's my myself and two other friends and

0:23:01.400 --> 0:23:03.200
<v Speaker 1>we were like, you know, because we've been saying we're

0:23:03.200 --> 0:23:04.520
<v Speaker 1>going to do it for the longest, I'm like, just

0:23:04.520 --> 0:23:07.399
<v Speaker 1>come over. We didn't grill, but honestly, we just we

0:23:07.560 --> 0:23:12.320
<v Speaker 1>just ate. I ordered some Portuguese barbecue, which was delicious. Bloomfield.

0:23:12.400 --> 0:23:16.000
<v Speaker 1>Let me tell you something. Bloomfield Barbecue on Bloomfield Avenue.

0:23:16.119 --> 0:23:17.800
<v Speaker 1>I don't know if that's Newark or Bloomfield, but it

0:23:17.800 --> 0:23:20.879
<v Speaker 1>has the yellow overhang. I'm not even a ribbed person.

0:23:21.040 --> 0:23:24.920
<v Speaker 1>I never had ribs like it's they it's true barbecue,

0:23:24.960 --> 0:23:27.960
<v Speaker 1>so not barbecue sauce, just the rub or whatever it's like.

0:23:28.640 --> 0:23:31.480
<v Speaker 1>And I'm not even a big meat either, but delicious,

0:23:31.520 --> 0:23:32.919
<v Speaker 1>and so we had that yesterday and it was just

0:23:33.040 --> 0:23:35.280
<v Speaker 1>nice to like hang out with, like, you know, my

0:23:35.440 --> 0:23:37.200
<v Speaker 1>it was three three girlfriends. It was four of us

0:23:37.200 --> 0:23:39.840
<v Speaker 1>and just sit outside in the backyard and do my

0:23:39.920 --> 0:23:42.160
<v Speaker 1>husband's version of like sitting on Bruski's It was more

0:23:42.200 --> 0:23:44.359
<v Speaker 1>like ginger ales. But it was just that, honestly, was

0:23:44.920 --> 0:23:47.000
<v Speaker 1>a highlight because if you all know me, I'm kind

0:23:47.040 --> 0:23:50.360
<v Speaker 1>of like a homebody and I know I'm not really

0:23:50.400 --> 0:23:52.640
<v Speaker 1>big on hanging out necessarily, So it was just nice

0:23:52.640 --> 0:23:54.760
<v Speaker 1>to have people over at the house and it's just

0:23:54.880 --> 0:23:56.560
<v Speaker 1>you know, it was a great weekend just because I

0:23:56.560 --> 0:23:58.080
<v Speaker 1>got to see the people that I cared about.

0:23:58.160 --> 0:24:00.800
<v Speaker 2>Yeah, and just like fill yourself up a little bit,

0:24:01.440 --> 0:24:03.840
<v Speaker 2>because even as a fellow introvert, you still need like

0:24:03.880 --> 0:24:06.840
<v Speaker 2>that human interaction just to feel normal. So if you're

0:24:06.880 --> 0:24:08.720
<v Speaker 2>in an entry, you can do it safely, you know,

0:24:08.960 --> 0:24:11.480
<v Speaker 2>if you have access to like outdoor space or even

0:24:11.600 --> 0:24:15.080
<v Speaker 2>just like I've seen people, you know, hanging out and

0:24:15.359 --> 0:24:18.560
<v Speaker 2>just on the street, just like setting up a couple

0:24:18.560 --> 0:24:21.960
<v Speaker 2>of chairs. I know we're my husband's from and inwood Manhattan.

0:24:22.040 --> 0:24:24.320
<v Speaker 2>I mean, you will not stop a Dominican from pulling

0:24:24.400 --> 0:24:26.200
<v Speaker 2>up at a mini van, opening the doors, training the

0:24:26.280 --> 0:24:28.600
<v Speaker 2>radio on, and like all of a sudden, there's like

0:24:28.640 --> 0:24:31.040
<v Speaker 2>six chairs outside of it and a little party going on.

0:24:31.560 --> 0:24:34.680
<v Speaker 2>We can still wear a mask and keep your distance.

0:24:34.720 --> 0:24:38.119
<v Speaker 2>But I really feel like if y'all have been and

0:24:38.240 --> 0:24:40.359
<v Speaker 2>I know people like this, if you've really been like

0:24:40.400 --> 0:24:42.960
<v Speaker 2>a gorphobic low key for the past I don't know

0:24:42.960 --> 0:24:44.800
<v Speaker 2>how long has it been. Almost a year now, it's crazy.

0:24:45.720 --> 0:24:48.520
<v Speaker 2>Just just try for like a tiny, tiny diny bit

0:24:48.520 --> 0:24:52.840
<v Speaker 2>of normalcy. Yeah, well we have. We've cried, we laughed,

0:24:52.880 --> 0:25:00.520
<v Speaker 2>we've we've lamented, we've increased our dosages of antidepressed. Yes,

0:25:00.680 --> 0:25:03.560
<v Speaker 2>so let's move on to questions. We'll be right back

0:25:03.920 --> 0:25:07.360
<v Speaker 2>if you're still here, you know, thank you.

0:25:40.320 --> 0:25:43.840
<v Speaker 1>This is how we do it. This is how we question.

0:25:44.600 --> 0:25:47.040
<v Speaker 1>No no no no no no no. I should do a

0:25:47.040 --> 0:25:50.399
<v Speaker 1>whole like nineties series of like remix for like. This

0:25:50.480 --> 0:25:54.119
<v Speaker 1>is how we question. This is how the question on

0:25:54.359 --> 0:25:59.120
<v Speaker 1>Monday night. It feels all right. Me and Mandra got

0:25:59.160 --> 0:26:01.920
<v Speaker 1>the answers for you. I mean, you know, I would

0:26:01.960 --> 0:26:02.680
<v Speaker 1>have to practice, but.

0:26:02.680 --> 0:26:04.560
<v Speaker 2>I don't would think about it and do it again.

0:26:04.840 --> 0:26:07.840
<v Speaker 2>But I love that. That's my all time favorite song

0:26:07.880 --> 0:26:09.640
<v Speaker 2>to dance you at a wedding and you're you're making

0:26:09.640 --> 0:26:12.520
<v Speaker 2>me miss like all the weddings and like receptions. Girl,

0:26:12.560 --> 0:26:13.359
<v Speaker 2>I lovely.

0:26:14.160 --> 0:26:15.560
<v Speaker 1>This is how you do it. It's your song.

0:26:16.480 --> 0:26:18.120
<v Speaker 2>It's just I don't know. That was always my song

0:26:18.160 --> 0:26:21.880
<v Speaker 2>at the cookouts when I was a kid in Georgia. Yeah,

0:26:21.920 --> 0:26:26.040
<v Speaker 2>we do all I mean, is that not a good one?

0:26:26.119 --> 0:26:29.919
<v Speaker 2>I mean that's the best anyway. Cool questions, Yes, we

0:26:29.960 --> 0:26:31.199
<v Speaker 2>have a bunch of them. You guys don't how to

0:26:31.200 --> 0:26:34.600
<v Speaker 2>reach us Instagram, Brown Ambition Podcast, hit us up there

0:26:34.600 --> 0:26:36.639
<v Speaker 2>in our DMS, or you can get at old school

0:26:36.680 --> 0:26:40.359
<v Speaker 2>and go to Briannambition Podcast at gmail dot com. Finish

0:26:40.400 --> 0:26:43.760
<v Speaker 2>your questions there. Oh my goodness, where to start. Let's see,

0:26:43.840 --> 0:26:47.160
<v Speaker 2>this was an interesting question. So this question comes from

0:26:47.160 --> 0:26:49.520
<v Speaker 2>a listener via email. Her name is Keana, and she

0:26:49.520 --> 0:26:52.479
<v Speaker 2>has a question about stock options to her employer. All right, so,

0:26:52.560 --> 0:26:54.879
<v Speaker 2>Keana says, next month, I will have the option to

0:26:54.920 --> 0:26:58.200
<v Speaker 2>purchase shares of my company stock through an employee stock

0:26:58.240 --> 0:27:02.320
<v Speaker 2>purchase plan. The purchase would be after tax payroll deduction

0:27:02.440 --> 0:27:05.520
<v Speaker 2>at a fifteen percent discount. The first time they offered

0:27:05.520 --> 0:27:07.840
<v Speaker 2>this stock option, I did not take advantage of it,

0:27:07.880 --> 0:27:10.920
<v Speaker 2>but now a second enrollment is being made available. I'm

0:27:11.040 --> 0:27:13.560
<v Speaker 2>very new to participating in the stock market. I've never

0:27:13.640 --> 0:27:16.320
<v Speaker 2>done anything other than participate with the companies for a

0:27:16.400 --> 0:27:19.359
<v Speaker 2>one K. What's your advice on how much I should

0:27:19.359 --> 0:27:22.800
<v Speaker 2>purchase as a newbie that's not very educated on what

0:27:22.960 --> 0:27:28.560
<v Speaker 2>and how to move forward? Excellent question. Excellent, I got

0:27:28.560 --> 0:27:32.159
<v Speaker 2>some thoughts. So stock purchase plan this is one of

0:27:32.200 --> 0:27:35.640
<v Speaker 2>the perks that you may have if you're lucky enough

0:27:35.680 --> 0:27:37.520
<v Speaker 2>to well, I don't know, but lucky enough. But if

0:27:37.520 --> 0:27:39.800
<v Speaker 2>you work for a company that's publicly traded, this is

0:27:39.840 --> 0:27:42.720
<v Speaker 2>one of the incentives some of them may offer employees,

0:27:42.760 --> 0:27:45.920
<v Speaker 2>which is basically saying, you know, there's The other type

0:27:45.920 --> 0:27:48.639
<v Speaker 2>of stock option is a restricted stock unit, which is

0:27:48.760 --> 0:27:52.399
<v Speaker 2>essentially the company giving you shares of stock. A stock

0:27:52.520 --> 0:27:56.000
<v Speaker 2>purchase option is where they say, you have the privilege

0:27:56.040 --> 0:27:58.679
<v Speaker 2>of purchasing our stock if you'd like it at a discount.

0:27:58.920 --> 0:28:01.119
<v Speaker 2>So it sounds like she's getting fifteen percent off of

0:28:01.160 --> 0:28:05.320
<v Speaker 2>her company stock should she choose to jump on this offer.

0:28:06.280 --> 0:28:09.320
<v Speaker 2>I mean it can be, you know, it can be.

0:28:09.480 --> 0:28:13.000
<v Speaker 2>I mean it can be. It can be. It can be.

0:28:13.080 --> 0:28:16.320
<v Speaker 2>It can be a good idea. The thing is, you know,

0:28:16.359 --> 0:28:19.960
<v Speaker 2>you have to consider this holistically across all of your investments.

0:28:20.040 --> 0:28:22.879
<v Speaker 2>So also you have to remember that this company is

0:28:22.960 --> 0:28:26.679
<v Speaker 2>paying your salary. So if you're going to purchase stock

0:28:26.720 --> 0:28:29.320
<v Speaker 2>and hold stock with the company that you also work for,

0:28:29.640 --> 0:28:31.280
<v Speaker 2>you just don't want to have too much of your

0:28:31.280 --> 0:28:33.840
<v Speaker 2>investments tied up with that company. And you also want

0:28:33.880 --> 0:28:36.280
<v Speaker 2>to think about it like this is my opinion, personal opinion,

0:28:36.280 --> 0:28:38.240
<v Speaker 2>not a stock advisor, not a financial advisor, et cetera,

0:28:38.240 --> 0:28:41.120
<v Speaker 2>et cetera. Don't come for me in the street. But

0:28:41.440 --> 0:28:44.360
<v Speaker 2>you know, you have to think like any other stock

0:28:44.400 --> 0:28:46.640
<v Speaker 2>that you're purchasing. So you're a new investor, you're you know,

0:28:46.720 --> 0:28:49.440
<v Speaker 2>you're new to maybe purchasing single stocks. You work for

0:28:49.480 --> 0:28:51.240
<v Speaker 2>the company that you work for, do you think it's

0:28:51.280 --> 0:28:54.040
<v Speaker 2>a good company with the bright future ahead of it?

0:28:54.160 --> 0:28:55.959
<v Speaker 2>Or do you know, you have a bit of an

0:28:56.000 --> 0:28:59.240
<v Speaker 2>insider's perspective on how things are going, or you know,

0:28:59.320 --> 0:29:02.479
<v Speaker 2>do you think maybe I'll take my paycheck and you know,

0:29:03.000 --> 0:29:05.160
<v Speaker 2>invest through my four to one k into you know,

0:29:05.280 --> 0:29:08.680
<v Speaker 2>mutual funds or other individual stocks instead. It's really up

0:29:08.720 --> 0:29:11.200
<v Speaker 2>to you. I would look at this kind of as

0:29:11.200 --> 0:29:13.360
<v Speaker 2>a you know, just one of the many sort of

0:29:13.440 --> 0:29:16.040
<v Speaker 2>perks that your employee that your company could offer to

0:29:16.080 --> 0:29:18.920
<v Speaker 2>you as well as other employees. But don't look don't

0:29:18.920 --> 0:29:21.240
<v Speaker 2>feel bad if you don't participate in it, because really

0:29:21.560 --> 0:29:23.160
<v Speaker 2>they are. You know, you can look at this as

0:29:23.240 --> 0:29:25.000
<v Speaker 2>like like, for example, I used to worok at the

0:29:25.040 --> 0:29:28.320
<v Speaker 2>Gap and they gave us a fifty percent discount, didn't

0:29:28.320 --> 0:29:29.960
<v Speaker 2>I know it? I used to buy so much crap,

0:29:30.400 --> 0:29:33.800
<v Speaker 2>but a fifty percent discount on Gap clothing? Okay, Well,

0:29:33.920 --> 0:29:35.560
<v Speaker 2>was it a good idea for me to buy Gap?

0:29:35.800 --> 0:29:39.600
<v Speaker 2>You know all those you know, Jean jackets and my goodness,

0:29:39.640 --> 0:29:42.120
<v Speaker 2>all the pairs of genes and all that stuff at

0:29:42.160 --> 0:29:44.680
<v Speaker 2>fifty percent off. It sure did feel like a good idea.

0:29:44.800 --> 0:29:47.880
<v Speaker 2>But I also was taking the money that they gave

0:29:47.960 --> 0:29:51.560
<v Speaker 2>me and then spending it on their stuff. So I

0:29:51.720 --> 0:29:55.760
<v Speaker 2>was like pretty much negating profit for myself from the

0:29:55.840 --> 0:29:59.320
<v Speaker 2>job that I had, which in retrospect wasn't like so smart.

0:29:59.720 --> 0:30:01.800
<v Speaker 2>But you know, you've just got to sort of look

0:30:01.800 --> 0:30:04.160
<v Speaker 2>at this as an opportunity to maybe buy some stock

0:30:04.200 --> 0:30:06.560
<v Speaker 2>in a company at a discount. That's the benefit here.

0:30:07.000 --> 0:30:08.880
<v Speaker 2>You know, someone walking off the street wanting to buy

0:30:08.880 --> 0:30:11.200
<v Speaker 2>your company stock would buy it a little bit more,

0:30:11.520 --> 0:30:14.080
<v Speaker 2>you know, have a higher price and you get a discount.

0:30:14.120 --> 0:30:16.280
<v Speaker 2>So you have to look at your whole picture and

0:30:16.320 --> 0:30:19.000
<v Speaker 2>if you feel like I'm pretty well diversified. This is

0:30:19.040 --> 0:30:21.440
<v Speaker 2>a good deal. The stock you know, could be on

0:30:21.480 --> 0:30:24.320
<v Speaker 2>the way up. Fifteen percent off is a you know,

0:30:24.360 --> 0:30:26.600
<v Speaker 2>a good discount. I'll you know, take advantage of this

0:30:26.640 --> 0:30:29.800
<v Speaker 2>opportunity to purchase it. And it also you know, let's

0:30:29.800 --> 0:30:32.160
<v Speaker 2>say you do purchase the stock at a discount, and

0:30:32.760 --> 0:30:35.560
<v Speaker 2>I don't know, once you're you know, once everything vests

0:30:35.600 --> 0:30:38.840
<v Speaker 2>and you're able to actually cash out of those shares

0:30:38.880 --> 0:30:41.480
<v Speaker 2>that you've bought, if the stock price has gone up,

0:30:41.840 --> 0:30:44.680
<v Speaker 2>like you can stand a profit more than someone who's

0:30:44.760 --> 0:30:46.400
<v Speaker 2>just walked in off the street and bought it full

0:30:46.680 --> 0:30:49.680
<v Speaker 2>quote unquote full price. So that is a benefit. But

0:30:49.920 --> 0:30:52.880
<v Speaker 2>you just have to look at it, you know, across

0:30:52.960 --> 0:30:55.720
<v Speaker 2>all of your investments and not you just don't want to,

0:30:55.800 --> 0:30:58.959
<v Speaker 2>like have way too much of your investments tied up

0:30:58.960 --> 0:31:01.600
<v Speaker 2>in the same place where you get your paycheck from.

0:31:02.040 --> 0:31:03.440
<v Speaker 2>And I could tell you the rule of thumb that

0:31:03.480 --> 0:31:04.720
<v Speaker 2>I feel like people say, but.

0:31:05.160 --> 0:31:06.720
<v Speaker 1>I was gonna say the rule of thumb, Well.

0:31:06.880 --> 0:31:10.560
<v Speaker 3>You take the rule of thumb tip Well, they say

0:31:10.560 --> 0:31:12.760
<v Speaker 3>the rule of thumb is I mean across all of

0:31:12.800 --> 0:31:15.880
<v Speaker 3>your portfolio, so all of your investments, you ideally you

0:31:15.880 --> 0:31:18.040
<v Speaker 3>don't want to have more than ten percent of like

0:31:18.080 --> 0:31:21.320
<v Speaker 3>your investments in your company's stock just in case something

0:31:21.320 --> 0:31:22.760
<v Speaker 3>happens like Lehman Brothers.

0:31:22.800 --> 0:31:24.920
<v Speaker 1>And then you don't want to be like, ah, yeah,

0:31:24.960 --> 0:31:26.880
<v Speaker 1>it's like with any stock, right, Like you don't like

0:31:26.960 --> 0:31:29.000
<v Speaker 1>all your stocks should not be Apple, all your stocks

0:31:29.000 --> 0:31:31.520
<v Speaker 1>should not be one company just because of the means

0:31:31.560 --> 0:31:34.960
<v Speaker 1>you're just leaning on this one company for or significant

0:31:34.960 --> 0:31:38.880
<v Speaker 1>amount of your of your portfolio in one particular investment.

0:31:39.440 --> 0:31:40.680
<v Speaker 1>So that is kind of like the rule of thumb.

0:31:40.720 --> 0:31:42.560
<v Speaker 1>So keep that in mind. I mean, you know, take

0:31:42.600 --> 0:31:45.640
<v Speaker 1>that with a grain of salt. But yeah, I mean,

0:31:46.760 --> 0:31:48.360
<v Speaker 1>to Manday's point, it can be. But here's the thing

0:31:48.360 --> 0:31:49.840
<v Speaker 1>that you want to be clear because I was actually

0:31:49.920 --> 0:31:54.800
<v Speaker 1>just talking to my sister, the inventor and engineer shout

0:31:54.800 --> 0:31:56.720
<v Speaker 1>to Carol. She is like, my she's our go to

0:31:56.800 --> 0:31:59.280
<v Speaker 1>stock person. Carol'll be like, I'm not that good at

0:31:59.280 --> 0:32:01.520
<v Speaker 1>stocks as she does her research and makes She literally

0:32:01.560 --> 0:32:03.440
<v Speaker 1>bought some stock the other day and made four hundred

0:32:03.480 --> 0:32:06.520
<v Speaker 1>percent back. I'm like, what do stop talking about Carol?

0:32:06.560 --> 0:32:08.000
<v Speaker 2>You know, people want to have Carol on the show,

0:32:08.000 --> 0:32:11.200
<v Speaker 2>and I'm afraid I'm afraid an off day when we

0:32:11.240 --> 0:32:12.600
<v Speaker 2>have her on the show.

0:32:13.160 --> 0:32:15.200
<v Speaker 1>She's gonna be like, no, that's not my thing. That's

0:32:15.240 --> 0:32:17.320
<v Speaker 1>like she's the mom of the craziest. I'm like, mean,

0:32:17.320 --> 0:32:19.400
<v Speaker 1>while you're doing all this while rasing the crazies anyway,

0:32:19.640 --> 0:32:21.720
<v Speaker 1>So she was just sharing that today. But the thing

0:32:21.760 --> 0:32:24.000
<v Speaker 1>that Carol was saying because I when you know, when

0:32:24.320 --> 0:32:27.400
<v Speaker 1>the current administration announced that it was you know, it

0:32:27.400 --> 0:32:31.479
<v Speaker 1>had Corona and the market reacted. I was just asking her,

0:32:31.520 --> 0:32:34.040
<v Speaker 1>we have like this like wealth or WhatsApp, and I

0:32:34.080 --> 0:32:36.000
<v Speaker 1>was like, should I buy Walmart? Should I buy? She

0:32:36.080 --> 0:32:39.000
<v Speaker 1>was like girl. Now, she was like, you know, you

0:32:39.080 --> 0:32:44.760
<v Speaker 1>want to purchase companies that have good you know, she

0:32:45.360 --> 0:32:48.840
<v Speaker 1>follows a warm buffet method, like solid companies regardless. So

0:32:49.120 --> 0:32:51.840
<v Speaker 1>she was telling me three companies that she bought more

0:32:51.880 --> 0:32:55.680
<v Speaker 1>of because she actually worked for these three companies. I

0:32:55.680 --> 0:32:57.800
<v Speaker 1>would say them, but I don't want to like you know,

0:32:57.920 --> 0:32:59.640
<v Speaker 1>I don't know, yeah, I won't And these are not

0:32:59.640 --> 0:33:01.480
<v Speaker 1>like I mean, her major companies. So she worked for

0:33:01.520 --> 0:33:04.800
<v Speaker 1>them like with their high school, college whatever. And she said,

0:33:04.840 --> 0:33:08.719
<v Speaker 1>I have seen firsthand how they navigate, how solid they are.

0:33:08.800 --> 0:33:11.600
<v Speaker 1>So she was like when things were like falling, She's like,

0:33:11.640 --> 0:33:13.800
<v Speaker 1>I just bought more of the companies that I knew

0:33:13.880 --> 0:33:17.680
<v Speaker 1>intimately from the inside. You know, we're well run companies.

0:33:17.920 --> 0:33:20.520
<v Speaker 1>That's why you know they've done well for these number

0:33:20.560 --> 0:33:22.479
<v Speaker 1>of years. So I just say that to say you

0:33:22.560 --> 0:33:26.640
<v Speaker 1>have an insider insight you work for your company. Is

0:33:26.680 --> 0:33:30.680
<v Speaker 1>it a shit show? Excuse my fronch, or is it

0:33:30.760 --> 0:33:32.400
<v Speaker 1>a solid company? If you feel like this is a

0:33:32.440 --> 0:33:35.680
<v Speaker 1>solid company, the CEO is dope, knows what she's doing.

0:33:35.720 --> 0:33:39.040
<v Speaker 1>So what I did that she heard and like, you

0:33:39.080 --> 0:33:40.520
<v Speaker 1>know what I mean. Like, so if you feel that,

0:33:40.600 --> 0:33:43.800
<v Speaker 1>then yes, then you know you don't want to just

0:33:43.840 --> 0:33:45.760
<v Speaker 1>get the stock because it's offered if you feel like

0:33:45.800 --> 0:33:48.040
<v Speaker 1>the company is on its last leg. So just keep

0:33:48.080 --> 0:33:48.920
<v Speaker 1>that in mind as well.

0:33:49.480 --> 0:33:53.160
<v Speaker 2>Absolutely, and thank you for your question. And you're new

0:33:53.200 --> 0:33:55.920
<v Speaker 2>to investing and you're doing the right thing just by

0:33:55.960 --> 0:34:00.080
<v Speaker 2>asking questions and learning. So go easy on yourself and

0:34:00.160 --> 0:34:03.480
<v Speaker 2>congrats on at least working with our company that gives

0:34:03.480 --> 0:34:05.560
<v Speaker 2>you this opportunity to build wealth. And it already sounds

0:34:05.600 --> 0:34:07.440
<v Speaker 2>like you're on the right track because you've been investing

0:34:07.440 --> 0:34:09.440
<v Speaker 2>in your four oh one K. A lot of people

0:34:09.560 --> 0:34:11.279
<v Speaker 2>take for granted that a four to one K is

0:34:11.320 --> 0:34:14.319
<v Speaker 2>investing like you're doing it. You are doing it you're

0:34:14.360 --> 0:34:17.080
<v Speaker 2>in the market. All right, Let's take another When this

0:34:17.080 --> 0:34:19.759
<v Speaker 2>comes from someone who'd like to remain anonymous, very mysterious,

0:34:19.800 --> 0:34:22.919
<v Speaker 2>that's fine, all right. This listener says, I love listening

0:34:22.960 --> 0:34:25.239
<v Speaker 2>to y'all's podcast. You guys always break it down so

0:34:25.280 --> 0:34:27.480
<v Speaker 2>that it makes sense. Oh, thank you. I was hoping

0:34:27.480 --> 0:34:30.200
<v Speaker 2>you could offer me some advice. I'm twenty eight years

0:34:30.200 --> 0:34:33.120
<v Speaker 2>old and a single mob living on one income. I've

0:34:33.120 --> 0:34:35.320
<v Speaker 2>accrued a lot of debt over the last two years,

0:34:35.320 --> 0:34:39.120
<v Speaker 2>between credit cards and debt consolidation loans. My debt is

0:34:39.160 --> 0:34:42.560
<v Speaker 2>about thirteen thousand dollars in total. I have seven thousand

0:34:42.560 --> 0:34:46.200
<v Speaker 2>dollars saved up in my savings account from tax returns

0:34:46.239 --> 0:34:48.719
<v Speaker 2>and the stimulus check that came through earlier this year.

0:34:49.719 --> 0:34:52.400
<v Speaker 2>On top of that seven thousand dollars in savings, I

0:34:52.440 --> 0:34:55.040
<v Speaker 2>have eighteen K and my four oh one K. So

0:34:55.120 --> 0:34:57.799
<v Speaker 2>my question is what it makes sense to pull the

0:34:57.840 --> 0:34:59.959
<v Speaker 2>four to one K money to pay off my debt

0:35:00.080 --> 0:35:03.000
<v Speaker 2>and give myself a clean slate. My issue is that

0:35:03.080 --> 0:35:05.600
<v Speaker 2>my bills are more than I'm making every month, so

0:35:05.640 --> 0:35:08.160
<v Speaker 2>I feel like I'm eventually just going to hit the

0:35:08.200 --> 0:35:12.120
<v Speaker 2>same issue again. I know eventually my daughter's childcare expenses

0:35:12.160 --> 0:35:14.200
<v Speaker 2>won't be as much and then hopefully at that point

0:35:14.239 --> 0:35:17.360
<v Speaker 2>I can start to break even. Thank you. Well, this

0:35:17.520 --> 0:35:18.399
<v Speaker 2>is really really tough.

0:35:18.760 --> 0:35:19.560
<v Speaker 1>It is really tough.

0:35:19.600 --> 0:35:23.880
<v Speaker 2>I'm not gonna lie, really really tough. Thirteen k and well,

0:35:23.920 --> 0:35:27.560
<v Speaker 2>it's just like recap debt thirteen k cross credit cards

0:35:27.600 --> 0:35:31.239
<v Speaker 2>and it sounds like a debt consolidation loan. She's got

0:35:31.280 --> 0:35:34.200
<v Speaker 2>seven k in the bank from savings, an eighteen K,

0:35:34.320 --> 0:35:35.960
<v Speaker 2>and a four to one K, So if she were

0:35:36.000 --> 0:35:39.279
<v Speaker 2>to take out a loan from herself or withdrawal, she's

0:35:39.280 --> 0:35:42.319
<v Speaker 2>talking about a withdrawal from her four to one K

0:35:42.719 --> 0:35:44.879
<v Speaker 2>to pay out that thirteen K, she'd be she'd pretty

0:35:44.960 --> 0:35:47.200
<v Speaker 2>much be, you know, getting rid of her account. She'd

0:35:47.239 --> 0:35:52.640
<v Speaker 2>only have a few thousand dollars left. Yeah, do you

0:35:52.719 --> 0:35:54.560
<v Speaker 2>want to start? I mean I have a couple of thoughts.

0:35:56.480 --> 0:35:58.880
<v Speaker 1>Okay, So well one, let's start with the good things.

0:35:59.200 --> 0:36:02.000
<v Speaker 1>Congratulations Mama Sita, that you were able to save seven

0:36:02.080 --> 0:36:04.759
<v Speaker 1>thousand dollars. That is not a small thing, not even

0:36:04.800 --> 0:36:07.319
<v Speaker 1>a little bit. So I want you to acknowledge that, like,

0:36:07.360 --> 0:36:09.560
<v Speaker 1>you know, a lot of people receive that money from

0:36:09.560 --> 0:36:12.480
<v Speaker 1>the care the Stimulus plan and the Cares Act, whatever, right.

0:36:12.480 --> 0:36:14.480
<v Speaker 1>So a lot of people receive that money and have nothing,

0:36:14.840 --> 0:36:17.000
<v Speaker 1>which you know that happens as well. But the fact

0:36:17.040 --> 0:36:20.480
<v Speaker 1>that you're able to set aside seven thousand, that's tremendous.

0:36:20.480 --> 0:36:26.160
<v Speaker 1>So clap for yourself. Two, here's my concern. I'll give

0:36:26.200 --> 0:36:27.680
<v Speaker 1>you the advice that I gave a friend of mine

0:36:27.719 --> 0:36:29.880
<v Speaker 1>who was like, my friend wants to borrow money from me.

0:36:30.560 --> 0:36:32.360
<v Speaker 1>And I was like, okay. I was like, you know,

0:36:32.440 --> 0:36:34.520
<v Speaker 1>she's like, my friend wants to borrow two thousand dollars.

0:36:34.560 --> 0:36:36.320
<v Speaker 1>This is a friend that's kind of like always struggling.

0:36:37.040 --> 0:36:38.840
<v Speaker 1>And she's like, do you think I should lend it

0:36:38.880 --> 0:36:41.080
<v Speaker 1>to her? And I said this, and I'm gonna I

0:36:41.120 --> 0:36:43.440
<v Speaker 1>want you to answer this, even though you're lending to yourself,

0:36:44.120 --> 0:36:47.439
<v Speaker 1>will you lend will? I told her, will, let's pretend

0:36:47.480 --> 0:36:49.600
<v Speaker 1>to my friend is name Julia, and she wants to

0:36:49.640 --> 0:36:52.919
<v Speaker 1>lend her a friend named Clara. If Julia, if you

0:36:53.040 --> 0:36:57.200
<v Speaker 1>lend Clara this money, does it fix the problem? So

0:36:57.280 --> 0:37:00.360
<v Speaker 1>does this two thousand dollars fix the problem? And she

0:37:00.560 --> 0:37:02.520
<v Speaker 1>was like no, I said, well how not? She was like, well,

0:37:02.520 --> 0:37:07.439
<v Speaker 1>because honestly, Clara, like you anonymous, is behind every month

0:37:07.520 --> 0:37:10.160
<v Speaker 1>because her bills are more than what her expenses are.

0:37:10.360 --> 0:37:12.240
<v Speaker 1>I said, So it's not going to fix the problem,

0:37:12.600 --> 0:37:17.160
<v Speaker 1>then I wouldn't. It doesn't like that's not like you're one,

0:37:17.200 --> 0:37:19.160
<v Speaker 1>you're never going to see your money back. This is

0:37:19.160 --> 0:37:21.320
<v Speaker 1>a mean to you talking to you anonymous to yourself,

0:37:21.400 --> 0:37:24.000
<v Speaker 1>and also Julia to Clara. And then two, it's actually

0:37:24.000 --> 0:37:26.080
<v Speaker 1>not going to fix the problem, but it'll enhance the

0:37:26.120 --> 0:37:29.080
<v Speaker 1>problem because now you don't have money for retirement now

0:37:29.800 --> 0:37:33.160
<v Speaker 1>because you're already you already have these debt consolidation loans.

0:37:33.200 --> 0:37:35.320
<v Speaker 1>It means that you've already tried to fix the problem

0:37:35.360 --> 0:37:39.400
<v Speaker 1>in this way and borrowing money to fit to just

0:37:39.480 --> 0:37:42.160
<v Speaker 1>delay coming right back here again. You're you're right, You're

0:37:42.160 --> 0:37:44.360
<v Speaker 1>going to be right back here again. So to me,

0:37:45.000 --> 0:37:48.359
<v Speaker 1>the real problem that you're needing to solve is how

0:37:48.360 --> 0:37:51.000
<v Speaker 1>to make more. That is really the problem you need

0:37:51.040 --> 0:37:53.879
<v Speaker 1>to solve. Does that look like asking for a raise

0:37:53.920 --> 0:37:57.360
<v Speaker 1>at work? Does that look like side hustling? I know

0:37:57.400 --> 0:37:58.840
<v Speaker 1>you have you know you're a single mom, so I

0:37:58.960 --> 0:38:01.560
<v Speaker 1>know how hard that must be. Does that look like

0:38:02.120 --> 0:38:04.640
<v Speaker 1>looking interviewing now to see if you can find a

0:38:04.680 --> 0:38:07.040
<v Speaker 1>position that's going to pay you more. You have to

0:38:07.080 --> 0:38:10.440
<v Speaker 1>figure out how to inject more income into your household,

0:38:10.800 --> 0:38:12.640
<v Speaker 1>or else you will be right back here and then

0:38:12.880 --> 0:38:14.800
<v Speaker 1>there will be no four to one K, no saving,

0:38:14.840 --> 0:38:17.759
<v Speaker 1>nothing to fall back on. And so that's what I say,

0:38:17.840 --> 0:38:19.799
<v Speaker 1>is that, like I would leave my four one K

0:38:19.840 --> 0:38:22.440
<v Speaker 1>alone because it's not going to fix the problem as

0:38:22.480 --> 0:38:26.239
<v Speaker 1>far as your savings are concerned. Would is that at

0:38:26.360 --> 0:38:30.000
<v Speaker 1>least three months of your bare bones essential expensive I

0:38:30.040 --> 0:38:31.520
<v Speaker 1>call that in your noodle budget. Is that at least

0:38:31.560 --> 0:38:34.799
<v Speaker 1>three months, ideally six months if it's at least three

0:38:34.800 --> 0:38:37.480
<v Speaker 1>months if there's excess, So let's just say three months

0:38:37.520 --> 0:38:40.040
<v Speaker 1>for you is six thousand dollars or five thousand dollars,

0:38:40.120 --> 0:38:42.080
<v Speaker 1>and you want to put some of the other towards

0:38:42.080 --> 0:38:45.600
<v Speaker 1>the principle of what you owe the excess, Okay, But

0:38:45.840 --> 0:38:48.040
<v Speaker 1>I would not drain my savings of emergency. You have

0:38:48.040 --> 0:38:50.560
<v Speaker 1>a kid, so emergencies in more important now than ever.

0:38:51.000 --> 0:38:53.080
<v Speaker 1>And I would not drain my retirement account for a

0:38:53.080 --> 0:38:55.400
<v Speaker 1>problem that's not really going to be fixed. I would

0:38:55.480 --> 0:38:58.239
<v Speaker 1>focus on the solution of how can I make more

0:38:58.280 --> 0:38:59.560
<v Speaker 1>money in this household?

0:39:00.160 --> 0:39:02.040
<v Speaker 2>How can you make more money? I mean, she mentions

0:39:02.080 --> 0:39:05.440
<v Speaker 2>it sounds like no matter what she does, her bills

0:39:05.520 --> 0:39:08.279
<v Speaker 2>are more than her income monthly, which I think is

0:39:08.320 --> 0:39:11.759
<v Speaker 2>a real I mean, that's really the crux of the

0:39:11.800 --> 0:39:13.960
<v Speaker 2>issue here. She's just in the red no matter what

0:39:14.040 --> 0:39:17.040
<v Speaker 2>she does. And she mentions her daughter's childcare, and that's

0:39:17.080 --> 0:39:19.600
<v Speaker 2>definitely one of the expenses where it's not the first

0:39:19.640 --> 0:39:21.279
<v Speaker 2>line item you're going to try and cut because the

0:39:21.360 --> 0:39:23.200
<v Speaker 2>quality is care for your child. I mean, I can't

0:39:23.239 --> 0:39:26.279
<v Speaker 2>even imagine, especially in times like this, you want to

0:39:26.280 --> 0:39:29.160
<v Speaker 2>give your child the best. If there's any other bills

0:39:29.160 --> 0:39:32.560
<v Speaker 2>that can be tweaked or cut or sacrificed, you can

0:39:32.600 --> 0:39:35.920
<v Speaker 2>start there, although I honestly think you probably already have

0:39:36.000 --> 0:39:39.080
<v Speaker 2>at this point. Then whatever you can as a single

0:39:39.080 --> 0:39:41.680
<v Speaker 2>mom though, and listen, I was raised by a single mom.

0:39:41.719 --> 0:39:43.920
<v Speaker 2>My mom had four kids under the age of what

0:39:44.080 --> 0:39:46.399
<v Speaker 2>twelve that she was raised all under the age of twelve,

0:39:46.400 --> 0:39:48.839
<v Speaker 2>four kids once she was raising by herself. And I

0:39:48.920 --> 0:39:50.560
<v Speaker 2>was just who was I talking to about this the

0:39:50.560 --> 0:39:52.640
<v Speaker 2>other day? Maybe was my therapist or I don't know.

0:39:53.080 --> 0:39:55.759
<v Speaker 2>But I've given my mother so much credit because she

0:39:55.840 --> 0:39:58.400
<v Speaker 2>asked for help from family and friends when she was

0:39:58.400 --> 0:40:02.600
<v Speaker 2>really struggling. Looked like my uncle and aunt letting her

0:40:03.400 --> 0:40:06.640
<v Speaker 2>rent our house from them that they owned it. Looked

0:40:06.760 --> 0:40:10.759
<v Speaker 2>like friends at work giving her presence to give to

0:40:10.880 --> 0:40:14.760
<v Speaker 2>us for Christmas. It looked like a lot of different things.

0:40:14.880 --> 0:40:18.440
<v Speaker 2>And if you have, if you have help available to you,

0:40:18.440 --> 0:40:21.640
<v Speaker 2>you know you really I feel like there's there's options

0:40:21.680 --> 0:40:23.720
<v Speaker 2>out there, especially as a single mother with a child,

0:40:23.800 --> 0:40:26.120
<v Speaker 2>if you're if your income is on let's pay for

0:40:26.160 --> 0:40:29.840
<v Speaker 2>your essentials right now. There may be public assistants available

0:40:29.880 --> 0:40:33.959
<v Speaker 2>for you, you know, snap, you know, food stamps, other

0:40:34.160 --> 0:40:37.920
<v Speaker 2>types of public assistance that is there for people in

0:40:37.960 --> 0:40:40.920
<v Speaker 2>situations that you're in. And there's no shame in that, No,

0:40:40.920 --> 0:40:43.640
<v Speaker 2>no shame in that at all. So I would say,

0:40:43.640 --> 0:40:46.480
<v Speaker 2>ask for help, because you're in a very difficult situation.

0:40:46.600 --> 0:40:49.040
<v Speaker 2>So I would start asking friends, I would ask family,

0:40:49.080 --> 0:40:51.840
<v Speaker 2>I would ask other single moms, if you know, anybody

0:40:51.840 --> 0:40:54.560
<v Speaker 2>you know have any resources been helpful to you, your

0:40:54.560 --> 0:40:56.719
<v Speaker 2>local food bank that can help you cut down on

0:40:56.800 --> 0:41:00.400
<v Speaker 2>grocery expenses. I think, especially as a mom, you know,

0:41:00.400 --> 0:41:02.759
<v Speaker 2>we went from like a two income household middle like

0:41:02.880 --> 0:41:05.680
<v Speaker 2>pretty you know, lower middle class but like solidly okay,

0:41:06.320 --> 0:41:10.320
<v Speaker 2>to you know, being you know, like the vivid memories

0:41:10.360 --> 0:41:12.480
<v Speaker 2>of like being in line at a grocery store and

0:41:12.480 --> 0:41:14.440
<v Speaker 2>having my mom just like slowly take things out of

0:41:14.440 --> 0:41:16.680
<v Speaker 2>the cart when she realized she wasn't going to you know,

0:41:16.719 --> 0:41:18.680
<v Speaker 2>make the bill or you know, at the checkout line.

0:41:18.719 --> 0:41:21.680
<v Speaker 2>And you're used to living a certain way and being

0:41:21.680 --> 0:41:24.680
<v Speaker 2>able to buy certain things because that's you know, that's

0:41:24.719 --> 0:41:26.439
<v Speaker 2>what you're used to and that's what's normal. But when

0:41:26.480 --> 0:41:29.879
<v Speaker 2>your income is so reduced, there's a new normal. And

0:41:29.960 --> 0:41:33.680
<v Speaker 2>it's so hard because it feels like this isn't right.

0:41:33.840 --> 0:41:36.000
<v Speaker 2>I want to go back to how things were. I

0:41:36.040 --> 0:41:38.640
<v Speaker 2>can only empathize with that, and you know, commend you

0:41:38.680 --> 0:41:41.520
<v Speaker 2>for being strong, but I really hope that you can

0:41:41.560 --> 0:41:44.000
<v Speaker 2>find some And you know, you haven't mentioned where you live,

0:41:44.160 --> 0:41:46.800
<v Speaker 2>but I so we can't give like more specific advice,

0:41:46.840 --> 0:41:49.799
<v Speaker 2>but I would say, look at your state. Look what

0:41:50.320 --> 0:41:54.719
<v Speaker 2>is available to you through churches, through like local community programs,

0:41:54.760 --> 0:41:58.040
<v Speaker 2>anything that can help you stop needing to dig yourself

0:41:58.080 --> 0:42:00.680
<v Speaker 2>into more debt. And I would hold on every penny

0:42:00.719 --> 0:42:03.400
<v Speaker 2>you can, hold on to all those coins and your savings,

0:42:03.400 --> 0:42:05.200
<v Speaker 2>hold on to all the money in your for one k,

0:42:05.920 --> 0:42:09.080
<v Speaker 2>Like that's amazing that you even have eighteen thousand dollars

0:42:09.120 --> 0:42:11.759
<v Speaker 2>at twenty eight years old. Like you're a smart lady. Yeah,

0:42:11.800 --> 0:42:13.879
<v Speaker 2>your daughter is very lucky to have you. I would

0:42:13.880 --> 0:42:14.520
<v Speaker 2>hold on to that.

0:42:14.600 --> 0:42:17.080
<v Speaker 1>And asking for help also means like reaching out to

0:42:17.120 --> 0:42:20.880
<v Speaker 1>your service providers and saying, hey, I'm struggling, like you know,

0:42:21.040 --> 0:42:26.400
<v Speaker 1>your phone company, insurance, like car insurance, whoever those are.

0:42:26.480 --> 0:42:29.360
<v Speaker 1>So to Mandy's port, that's like, honestly, Mandy like such

0:42:29.560 --> 0:42:32.279
<v Speaker 1>amazing empathetic advice. But I just wanted to add that that, like,

0:42:32.600 --> 0:42:35.399
<v Speaker 1>help can also come from the places that you paid

0:42:35.400 --> 0:42:38.760
<v Speaker 1>bills to, especially now more than ever, because it's a pandemic,

0:42:38.800 --> 0:42:42.040
<v Speaker 1>and many of them have hardship programs in place, so

0:42:42.200 --> 0:42:44.840
<v Speaker 1>ask about them. They may have a freeze on interest,

0:42:44.920 --> 0:42:48.040
<v Speaker 1>they might have a freeze on payment or forbearance or deferment.

0:42:48.160 --> 0:42:51.800
<v Speaker 2>So yeah, so yeah, exactly. We've got a good page

0:42:51.840 --> 0:42:54.280
<v Speaker 2>at Magnified Money of all the banks that are offering

0:42:54.960 --> 0:42:58.360
<v Speaker 2>relief in terms of COVID, pretty much every bank is.

0:42:58.440 --> 0:43:01.279
<v Speaker 2>I mean in some way, shape or form. It may

0:43:01.320 --> 0:43:04.000
<v Speaker 2>not be amazing, but call and ask and even you

0:43:04.000 --> 0:43:05.400
<v Speaker 2>know for that. And I don't think this is right

0:43:05.440 --> 0:43:07.520
<v Speaker 2>for you necessarily in my personal opinion, for you to

0:43:07.520 --> 0:43:09.239
<v Speaker 2>dip into your four one k, but for those of

0:43:09.239 --> 0:43:13.120
<v Speaker 2>you who are running out of options and maybe withdrawing

0:43:13.120 --> 0:43:15.160
<v Speaker 2>from your four to one K is something that you're considering.

0:43:15.600 --> 0:43:17.600
<v Speaker 2>Y'all should know that with the Cares Act, one of

0:43:17.640 --> 0:43:19.919
<v Speaker 2>the things that they passed in that relief the only

0:43:19.960 --> 0:43:23.000
<v Speaker 2>relief bill so far, was the ability to withdraw from

0:43:23.000 --> 0:43:24.440
<v Speaker 2>your four to one k and not get hit with

0:43:24.480 --> 0:43:28.160
<v Speaker 2>that ten percent. It's like up to one hundred thousand

0:43:28.160 --> 0:43:30.560
<v Speaker 2>dollars or something like that, So check the IRS dot

0:43:30.600 --> 0:43:33.520
<v Speaker 2>gov for specifics. But anyway, thank you so much for

0:43:33.520 --> 0:43:35.439
<v Speaker 2>your question. Our hearts go out to you. We hope

0:43:35.440 --> 0:43:37.520
<v Speaker 2>this was helpful, and you can always hit me. I'm

0:43:37.520 --> 0:43:39.440
<v Speaker 2>gonna hit you up on instant and respond to you.

0:43:39.480 --> 0:43:42.279
<v Speaker 2>But yeah, well we really hope you get help. But

0:43:42.920 --> 0:43:46.120
<v Speaker 2>I don't. Yeah. I oh, single mom, single moms, single moms.

0:43:46.200 --> 0:43:48.600
<v Speaker 2>I just love I just oh my heart for y'all.

0:43:48.600 --> 0:43:52.600
<v Speaker 2>I it's so hard, it's so hard. It's so hard.

0:43:52.719 --> 0:43:53.680
<v Speaker 2>Ten times it is.

0:43:53.960 --> 0:43:54.560
<v Speaker 1>I can't even.

0:43:54.640 --> 0:43:59.080
<v Speaker 2>Yeah, So thank you for asking and thanks for your question.

0:43:59.760 --> 0:44:03.840
<v Speaker 2>All right, missy, I hear a very cranky baby up above.

0:44:06.920 --> 0:44:08.960
<v Speaker 1>Twinkle twink a little reo.

0:44:10.080 --> 0:44:12.960
<v Speaker 2>Oh. My two cousins responded, One said done, the other

0:44:13.000 --> 0:44:15.320
<v Speaker 2>one said I am registered period.

0:44:15.320 --> 0:44:18.640
<v Speaker 1>Yes, and it's just basically leave me alone Facebook. Someone

0:44:18.719 --> 0:44:21.160
<v Speaker 1>was like, we're gonna check out all the social media platforms.

0:44:21.239 --> 0:44:23.440
<v Speaker 2>Yes, like but for real though, I'm gonna call my

0:44:23.440 --> 0:44:25.680
<v Speaker 2>great uncles next because I don't know. I'm like, can

0:44:25.719 --> 0:44:28.520
<v Speaker 2>y'all get a carpool going, you know, vote in person,

0:44:28.640 --> 0:44:32.600
<v Speaker 2>vote in person? All right, let's uh brown boost brown break.

0:44:32.960 --> 0:44:35.959
<v Speaker 1>It's time for brown Well no.

0:44:36.320 --> 0:44:38.400
<v Speaker 2>What was it brown?

0:44:45.600 --> 0:44:48.600
<v Speaker 1>Anyway? It's time boost a break? No it was Mickey mouth.

0:44:48.719 --> 0:44:52.240
<v Speaker 1>Oh no, And now it's time to boost a break

0:44:52.360 --> 0:44:56.760
<v Speaker 1>for all my family there, go, is you going to boost?

0:44:57.200 --> 0:44:59.840
<v Speaker 1>Is you going to break? What you're going to do? Many?

0:45:01.000 --> 0:45:04.720
<v Speaker 2>Yes? I love that like fat Albert mouse, nicky bounce

0:45:05.040 --> 0:45:05.560
<v Speaker 2>yees that.

0:45:05.600 --> 0:45:06.640
<v Speaker 1>Is a fat Albert mouth.

0:45:07.040 --> 0:45:11.120
<v Speaker 2>Hey, hey, hey combination. I'm going to do a brown

0:45:11.239 --> 0:45:14.480
<v Speaker 2>boost because I'm feeling very positive today. I'm going to

0:45:14.520 --> 0:45:17.640
<v Speaker 2>do a brown boost for me again. Dusting off my

0:45:17.800 --> 0:45:20.480
<v Speaker 2>Apple Watch, which I literally had not put on my

0:45:20.560 --> 0:45:24.520
<v Speaker 2>wrist since February seventeenth of twenty twenty. I had not

0:45:24.560 --> 0:45:27.160
<v Speaker 2>put it on my wrist, but I had really gotten

0:45:27.160 --> 0:45:29.839
<v Speaker 2>into I mean, I have my peloton and it's great,

0:45:29.880 --> 0:45:33.560
<v Speaker 2>and people who are asking, I've loved my peloton, but

0:45:33.920 --> 0:45:36.880
<v Speaker 2>I have forced myself with my brother being here and

0:45:36.920 --> 0:45:39.440
<v Speaker 2>my sister is my new like accountability buddy, even though

0:45:39.480 --> 0:45:42.319
<v Speaker 2>she lives in Wisconsin. To get myself out of the

0:45:42.400 --> 0:45:45.440
<v Speaker 2>damn house, I think I have become like a little loki,

0:45:45.719 --> 0:45:49.120
<v Speaker 2>agoraphobic or just like too comfortable not leaving the house. Tiffany,

0:45:49.120 --> 0:45:52.160
<v Speaker 2>I know you can probably relate, but it's really annoying

0:45:52.200 --> 0:45:55.160
<v Speaker 2>to me how beneficial just going for a walk has

0:45:55.200 --> 0:45:57.319
<v Speaker 2>been to my mental health, and like how I feel

0:45:57.320 --> 0:46:00.600
<v Speaker 2>about my day annoying to me because I'm just like

0:46:00.640 --> 0:46:03.560
<v Speaker 2>why my brain gets in these funks where I just

0:46:03.680 --> 0:46:07.080
<v Speaker 2>cannot convince myself to put on a pair of shoes

0:46:07.120 --> 0:46:09.239
<v Speaker 2>and leave the house and walk out of the door.

0:46:09.640 --> 0:46:12.080
<v Speaker 2>And yet when I do, I feel so much better.

0:46:12.320 --> 0:46:15.000
<v Speaker 2>Like what I just I don't it seems like such

0:46:15.040 --> 0:46:18.120
<v Speaker 2>a burden and so hard to do, And I'm not

0:46:18.160 --> 0:46:21.000
<v Speaker 2>gonna lie there. Some days when it really feels like

0:46:21.800 --> 0:46:24.040
<v Speaker 2>I can't bring myself to leave the house, I don't

0:46:24.040 --> 0:46:26.600
<v Speaker 2>have the energy. There's so many good excuses and good

0:46:26.640 --> 0:46:29.520
<v Speaker 2>reasons why I can't. But slowly but surely, I am

0:46:29.560 --> 0:46:31.640
<v Speaker 2>trying to get back on it. And my Apple Watch

0:46:31.719 --> 0:46:34.400
<v Speaker 2>has been helping because I love a competition so me

0:46:34.440 --> 0:46:38.280
<v Speaker 2>and my husband are competing, and I'm feeling a lot better.

0:46:38.680 --> 0:46:42.480
<v Speaker 2>Free good mental health therapy. Get outside, y'all try to

0:46:42.520 --> 0:46:43.920
<v Speaker 2>at least no.

0:46:44.200 --> 0:46:48.640
<v Speaker 1>Honestly, that is excellent because you know, I just you

0:46:48.680 --> 0:46:50.319
<v Speaker 1>have this basically, it's almost like you have to stack

0:46:50.400 --> 0:46:52.960
<v Speaker 1>up against what the world is offering. So I think

0:46:53.000 --> 0:46:57.000
<v Speaker 1>that's excellent. Get on you. I'm gonna also boost. I'm

0:46:57.040 --> 0:46:58.640
<v Speaker 1>gonna boost for like a lesson I learned. So I

0:46:58.640 --> 0:47:00.759
<v Speaker 1>told you I had like the grill and chill, and

0:47:00.880 --> 0:47:02.359
<v Speaker 1>I have a new friend that came over. Her name

0:47:02.400 --> 0:47:06.319
<v Speaker 1>is Maria. And there's this thing that I was been

0:47:06.360 --> 0:47:08.680
<v Speaker 1>saying for like the last couple of years, and I

0:47:08.719 --> 0:47:10.360
<v Speaker 1>realize I've been saying it to kind of like a

0:47:10.400 --> 0:47:14.080
<v Speaker 1>guest hold myself back from achieving. And I would always say, like, oh,

0:47:14.200 --> 0:47:17.480
<v Speaker 1>you know, this level of success I'm good with, but like, oh, man,

0:47:17.800 --> 0:47:19.840
<v Speaker 1>I can only imagine the kind of work that Beyonce

0:47:19.960 --> 0:47:22.080
<v Speaker 1>and Oprah have to do. I'm not willing to do

0:47:22.120 --> 0:47:24.600
<v Speaker 1>that much work to get that level of success. So

0:47:24.600 --> 0:47:28.680
<v Speaker 1>I've been telling myself that that I couldn't possibly put

0:47:28.680 --> 0:47:30.439
<v Speaker 1>in the level of work that they must do, because

0:47:30.440 --> 0:47:31.960
<v Speaker 1>you know that's I mean it sounds like, you know,

0:47:32.320 --> 0:47:34.400
<v Speaker 1>it makes sense, but I realized that was just limiting

0:47:34.440 --> 0:47:37.000
<v Speaker 1>beliefs and thoughts. So I happened to say that during

0:47:37.000 --> 0:47:39.040
<v Speaker 1>our grill and chill and she was like, I don't

0:47:39.040 --> 0:47:40.960
<v Speaker 1>believe that. She said, this is what I tell my

0:47:41.040 --> 0:47:45.000
<v Speaker 1>kids when they say that they're not able to do something.

0:47:45.520 --> 0:47:48.319
<v Speaker 1>She said, I remind them that what that really means,

0:47:48.360 --> 0:47:50.840
<v Speaker 1>what they're really saying is I need help. She said,

0:47:50.880 --> 0:47:54.880
<v Speaker 1>how do you think Oprah Beyonce, Michelle Obama achieve and

0:47:54.880 --> 0:47:59.239
<v Speaker 1>accomplish at that level They don't do it because they're

0:47:59.280 --> 0:48:03.680
<v Speaker 1>all alone. Is that they have gotten really good at

0:48:03.760 --> 0:48:07.600
<v Speaker 1>maximizing their community and getting help. And I just like

0:48:07.640 --> 0:48:09.640
<v Speaker 1>it was such an AHA moment because honestly, many I've

0:48:09.640 --> 0:48:12.320
<v Speaker 1>been saying that, oh, well, like, you know, I'm not

0:48:12.360 --> 0:48:14.319
<v Speaker 1>gonna be Opra level because I'm not willing to put

0:48:14.320 --> 0:48:17.160
<v Speaker 1>in Oprah work. And I'm like, girl who taught you that? Yes,

0:48:17.680 --> 0:48:22.080
<v Speaker 1>internally I tell my what I'm like now, but you know,

0:48:22.160 --> 0:48:25.360
<v Speaker 1>and internally I've been telling myself that. And I was like, wow,

0:48:25.400 --> 0:48:27.240
<v Speaker 1>but it's just something I feel like I've been saying

0:48:27.320 --> 0:48:30.680
<v Speaker 1>at a fear thinking that like I would not be

0:48:30.760 --> 0:48:33.240
<v Speaker 1>capable or able to take myself to the next level.

0:48:33.400 --> 0:48:34.880
<v Speaker 1>So it was just like it was a release that

0:48:34.920 --> 0:48:37.520
<v Speaker 1>I needed that a reminder that if for whatever reason,

0:48:37.560 --> 0:48:40.080
<v Speaker 1>I'm unable to do something, it's just a signal that

0:48:40.120 --> 0:48:42.279
<v Speaker 1>I need help. It just means that I need to

0:48:42.320 --> 0:48:45.319
<v Speaker 1>hire somebody, I need to talk, I need to reach out.

0:48:45.360 --> 0:48:47.799
<v Speaker 1>And I just wanted to share that because you might have,

0:48:48.040 --> 0:48:49.600
<v Speaker 1>like you know, be a listeners, you might have some

0:48:49.760 --> 0:48:53.800
<v Speaker 1>limiting thoughts and stories that you're kind of telling yourself

0:48:53.960 --> 0:48:57.160
<v Speaker 1>that I'm not able, I'm that capable, especially anonymous, that

0:48:57.360 --> 0:48:59.480
<v Speaker 1>what you're really saying is that I need help, and

0:49:00.239 --> 0:49:02.919
<v Speaker 1>help is help is available for those who ask. There's

0:49:02.960 --> 0:49:05.040
<v Speaker 1>a great I don't know if it's like I guess

0:49:05.040 --> 0:49:08.760
<v Speaker 1>it's a quote and it just goes a problem shared

0:49:08.960 --> 0:49:13.120
<v Speaker 1>is a problem solved. So you know that in sharing

0:49:13.160 --> 0:49:17.320
<v Speaker 1>what's happening and in asking externally for help, the solution

0:49:17.440 --> 0:49:19.080
<v Speaker 1>is somewhere out there. It's going to meet you. So

0:49:19.120 --> 0:49:20.600
<v Speaker 1>I just you know, it was just like, honestly it

0:49:20.640 --> 0:49:22.600
<v Speaker 1>was when I tell you it's such a small thing

0:49:22.640 --> 0:49:25.120
<v Speaker 1>but such a life changing lesson because I was like, wait,

0:49:25.239 --> 0:49:26.920
<v Speaker 1>so for the last ten years I've been saying that

0:49:27.560 --> 0:49:29.759
<v Speaker 1>you made it tell me that's not true, and I'm like,

0:49:29.840 --> 0:49:33.880
<v Speaker 1>so I'm releasing myself of I can't possibly achieve Oprah

0:49:34.040 --> 0:49:37.160
<v Speaker 1>level or Beyonce level, who says they have help and

0:49:37.200 --> 0:49:39.760
<v Speaker 1>all I need is help, And so that's my boost.

0:49:40.160 --> 0:49:44.320
<v Speaker 2>Of course you can do with budgetist da Ye Bunge

0:49:44.360 --> 0:49:45.880
<v Speaker 2>of Nie Dayance.

0:49:47.400 --> 0:49:47.800
<v Speaker 1>I don't.

0:49:47.960 --> 0:49:50.120
<v Speaker 2>Yeah, of course you can do it. It's just like

0:49:50.360 --> 0:49:52.600
<v Speaker 2>everyone's got their own version of imposter syndrome. And I

0:49:52.680 --> 0:49:55.240
<v Speaker 2>realized it's not something that just all of a sudden

0:49:55.320 --> 0:49:58.319
<v Speaker 2>you train yourself out of it. It's like it creeps up,

0:49:58.560 --> 0:50:01.040
<v Speaker 2>it creeps up. And remember one time I was like

0:50:01.080 --> 0:50:03.000
<v Speaker 2>trying to convince someone that I was going to write

0:50:03.000 --> 0:50:06.160
<v Speaker 2>a book called The Power of Low Expectations and how

0:50:06.160 --> 0:50:11.400
<v Speaker 2>everyone should just low walk expectations and they'd be so

0:50:11.520 --> 0:50:13.880
<v Speaker 2>much happier. And my friend was looking at me like,

0:50:14.760 --> 0:50:15.959
<v Speaker 2>no one's gonna buy this ship.

0:50:16.719 --> 0:50:18.680
<v Speaker 1>It's real depressing, it's hilarious.

0:50:19.840 --> 0:50:21.880
<v Speaker 2>And then I was like, maybe I was in a

0:50:22.000 --> 0:50:24.439
<v Speaker 2>very dark, like a sad place in my life where

0:50:24.440 --> 0:50:27.160
<v Speaker 2>I wasn't really happy with what was happening. But yeah,

0:50:27.200 --> 0:50:30.120
<v Speaker 2>I'm that's that's that's beautiful. And again it's all about

0:50:30.120 --> 0:50:33.520
<v Speaker 2>like it's asking for help and and being brave enough

0:50:33.560 --> 0:50:35.920
<v Speaker 2>to say that you want it so that you can

0:50:35.960 --> 0:50:39.880
<v Speaker 2>start attracting that help and attracting that energy. What are

0:50:39.880 --> 0:50:42.040
<v Speaker 2>you talking. You're gonna like, get out of here. You're

0:50:42.040 --> 0:50:46.000
<v Speaker 2>gonna have like your your your your own network, your

0:50:46.000 --> 0:50:50.839
<v Speaker 2>own Molly Moore action figure. Pixar is probably gonna come

0:50:50.920 --> 0:50:54.200
<v Speaker 2>knocking to turn Molly Moore to a movie. I want

0:50:54.200 --> 0:50:57.720
<v Speaker 2>tickets to the premiere. That's awesome, though.

0:50:58.239 --> 0:51:00.840
<v Speaker 1>Yeah, thank you. Honestly, it's just like I said, it

0:51:01.080 --> 0:51:02.640
<v Speaker 1>will leasse me. And I would really love to hear

0:51:02.680 --> 0:51:05.160
<v Speaker 1>from BA, like whether you email us, you tag me

0:51:05.320 --> 0:51:09.200
<v Speaker 1>the budgetista or Mandy money, especially on ig like what

0:51:09.400 --> 0:51:12.439
<v Speaker 1>are what is a limiting belief that you're like, wait,

0:51:13.160 --> 0:51:15.480
<v Speaker 1>who told me that was true? That maybe this triggered?

0:51:15.560 --> 0:51:19.000
<v Speaker 1>Like I do tell myself, I can't because I would

0:51:19.080 --> 0:51:21.000
<v Speaker 1>love to know what that is so I can give

0:51:21.040 --> 0:51:24.279
<v Speaker 1>you the opposite belief. Someone just literally changed my whole

0:51:24.280 --> 0:51:27.080
<v Speaker 1>perspective by saying no, I just tell my kid. No

0:51:27.160 --> 0:51:28.840
<v Speaker 1>doesn't mean you can't do it. It just means that you

0:51:28.840 --> 0:51:31.400
<v Speaker 1>you need help. And I was like, life change. So

0:51:31.440 --> 0:51:33.200
<v Speaker 1>I would love Mandy and I would look look on

0:51:33.239 --> 0:51:35.719
<v Speaker 1>volunteering Mandy Magee and I would love to do that

0:51:35.760 --> 0:51:39.400
<v Speaker 1>for you. So tag us. It's the BA podcast on IG.

0:51:39.440 --> 0:51:43.719
<v Speaker 2>Right, absolutely not. It is Brand Ambition podcast on Instagram,

0:51:43.760 --> 0:51:48.160
<v Speaker 2>but that's also our Twitter handle. I should check, inde

0:51:48.239 --> 0:51:50.520
<v Speaker 2>if Brown Ambition is available on Twitter. It wasn't five

0:51:50.560 --> 0:51:51.839
<v Speaker 2>years ago, but maybe I should check.

0:51:51.960 --> 0:51:54.319
<v Speaker 1>Yes, we should so, yeah, so Brown Ambition on IG.

0:51:54.480 --> 0:51:56.360
<v Speaker 1>We would love to tag us in the story and

0:51:56.400 --> 0:51:59.560
<v Speaker 1>say my current limiting I know it's a limiting belief,

0:51:59.640 --> 0:52:01.160
<v Speaker 1>is that at that? And so we can give you

0:52:01.200 --> 0:52:03.040
<v Speaker 1>the opposite. I would love to do that for y'all

0:52:03.040 --> 0:52:04.040
<v Speaker 1>because someone did it for me.

0:52:04.120 --> 0:52:05.960
<v Speaker 2>So and if you could please send me all of

0:52:06.000 --> 0:52:07.279
<v Speaker 2>your pep talks, that would be nice to you. I

0:52:07.320 --> 0:52:09.080
<v Speaker 2>could use some of those as well. Thank you very much.

0:52:09.960 --> 0:52:12.000
<v Speaker 1>What you mean me or you mean like anybody?

0:52:12.160 --> 0:52:15.439
<v Speaker 2>You? Oh, Superman, Supergirl, anybody want to got a pep

0:52:15.440 --> 0:52:17.239
<v Speaker 2>talk for me? I can do it right, love, just

0:52:17.280 --> 0:52:22.360
<v Speaker 2>let me know, yeah, okay, all right, tip, Well, another

0:52:22.800 --> 0:52:25.640
<v Speaker 2>another day, another podcast, pleasure as always.

0:52:26.120 --> 0:52:28.160
<v Speaker 1>Yes, as usually, well, you know, I love y'all and

0:52:28.200 --> 0:52:30.960
<v Speaker 1>I love Maandra, which is bigger and better, better and

0:52:31.000 --> 0:52:31.760
<v Speaker 1>bolder things.

0:52:31.920 --> 0:52:37.520
<v Speaker 2>One more month t Election Day I'm not nervous, you're nervous.

0:52:37.560 --> 0:52:40.920
<v Speaker 1>Okay, gotta go take my toe off. Bye for real.

0:52:41.080 --> 0:52:41.520
<v Speaker 2>I forgot