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Speaker 1: It's time for the b a q a a b

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Speaker 1: a q a with Tiffin. The b a q a

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Speaker 1: no mandate, but the b a qa with Remat Sete.

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Speaker 1: What I did there? I'm telling you when I get

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Speaker 1: my record deal, y'all fen to be mad because I

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Speaker 1: won't even be here like that. Okay. So anyway we

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Speaker 1: have in the stew we have Ramat set Ti. I'm

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Speaker 1: saying your name right right, Ramit say t I'm so sorry, Remed.

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Speaker 1: You know as somebody who's name when I was born

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Speaker 1: was Adochi. You know they called me everything but that

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Speaker 1: so Remeat safety and He is the host of Netflix's

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Speaker 1: hit How to Get Rich. If you have not watched it,

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Speaker 1: are you even a brann and bish and listener? Hellled

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Speaker 1: we talked about it but also too. He is the

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Speaker 1: author of New York Times best selling book I Will

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Speaker 1: Teach You to Be Rich. He also has his own

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Speaker 1: amazing podcast called I Will Teach You to Be Rich.

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Speaker 1: For me is an og in the game, Honey. He

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Speaker 1: has been here for a long time busting open a

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Speaker 1: door for us brownies and personal finance. So I asked

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Speaker 1: for me if he could stay. If you have not

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Speaker 1: listened to the interview before this that came out on Wednesday.

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Speaker 1: Do it. It's an awesome interview. So I asked him if

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Speaker 1: you could stay and answer some of your questions, and

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Speaker 1: Ramat said yes, indeed. So question number one re meat, Hi,

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Speaker 1: ladies and gentlemen, I'm gonna add that part. I love

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Speaker 1: your podcast and have been listening for a while. You

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Speaker 1: both give such great advice on pretty much everything. I

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Speaker 1: don't know about all that, girl, but okay, I'll take it.

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Speaker 1: My question is should I take out a home equity

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Speaker 1: loan to pay off my IRS taxes or pay them

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Speaker 1: with an IRS installment plan. The IRS has interests and

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Speaker 1: penalties that can occur daily, monthly, and quarterly. If I

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Speaker 1: qualify for a home equity loan, I cannot only take

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Speaker 1: out enough to pay the IRS. I could take out

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Speaker 1: enough to pay my doctor bills off. At that point,

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Speaker 1: I would only be stuck with that loan payment, mortgage,

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Speaker 1: one utility bill because my town has one bill for

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Speaker 1: all utilities and student loans whenever they start back, which

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Speaker 1: is going to be in August. My husband and I

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Speaker 1: have vehicles that are paid off. The IRS total is

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Speaker 1: sixteen thousand, and doctor bills are eight thousand. We have

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Speaker 1: a mortgage and two kids. I am not willing to

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Speaker 1: use my six month emergency fund to pay the debt off.

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Speaker 1: That's another question. Am I wrong for not using my

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Speaker 1: emergency fund to pay off debt? That's funny. That's one

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Speaker 1: to use the emergency fund for emergency Okay, that's not funny.

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Speaker 1: I hope you can both help assist the out. So

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Speaker 1: this is actually a really good question for me.

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Speaker 2: It is a good question. So first off, there is

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Speaker 2: no right or wrong answer to this. I'm going to

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Speaker 2: tell you how I would think about it. I find

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Speaker 2: that when people have debt, they often will do everything

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Speaker 2: except attack the debt. They'll write me about opening up

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Speaker 2: a zero percent balance transfer. They'll write me about doing

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Speaker 2: this convoluted tactic. And what I really want to hear

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Speaker 2: from them is how much do you owe? How much

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Speaker 2: can you aggressively pay every month? And when will it

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Speaker 2: be paid off? So? Could you do a home equity

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Speaker 2: liign of credit? You could?

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Speaker 1: Would?

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Speaker 2: I know what I would do is I would call

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Speaker 2: them up. I would say how much do I owe?

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Speaker 2: With the medical bill? I would try to negotiate it

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Speaker 2: with the IRS bill. I would try to get favorable terms,

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Speaker 2: they'll actually work with you in many cases, not all,

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Speaker 2: but many. And then I would set up an automatic

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Speaker 2: payment plan. It might take you you said it's twenty

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Speaker 2: four thousand, It might take you a year, two years,

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Speaker 2: maybe three years, okay, factor in the interest depends on

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Speaker 2: what the interest is. Maybe they'll waive the interest depends.

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Speaker 2: But that to me is focusing on actually behavioral change.

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Speaker 2: We're going to cut off three hundred bucks a month

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Speaker 2: from our spending and put it towards our debt. That's

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Speaker 2: how I would approach it, because it solves the root problem.

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Speaker 2: Simply shifting debt from one place to another may save

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Speaker 2: you a little in interest, it may make you feel better,

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Speaker 2: but it doesn't actually change the root problem. And so

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Speaker 2: I want personally, if it were me, I would not

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Speaker 2: take a home equity line of credit. I don't want

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Speaker 2: to take on more complexity. I want simplicity. I would

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Speaker 2: make a debt payoff plan. I would try to negotiate

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Speaker 2: and whether or not they allow me to. I would

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Speaker 2: set up an automated payment plan and know exactly what

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Speaker 2: month and year my debt will be paid off, So.

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Speaker 1: Question what about her six months? Which? First of all,

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Speaker 1: congratulations we're gonna call you I forget, like we're gonna

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Speaker 1: call you helpless sister out Hey, you help a sister

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Speaker 1: out right? So what about her emergency funds? Like? Yeah,

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Speaker 1: because I know people are very adverse to using emergency funds,

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Speaker 1: which I can understand because you're afraid that something bigger

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Speaker 1: might come along. What do you think about that?

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Speaker 2: Again, I don't think there's any right or wrong answer here.

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Speaker 2: I do think it's amazing that she's saved up a

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Speaker 2: six month emergency fund. To me, that shows a lot

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Speaker 2: of discipline, a lot of foresight. It's rare and amazing.

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Speaker 2: So I think she should give herself a pat on

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Speaker 2: the back. There is something to be said once she

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Speaker 2: makes a debt pay off plan. Let's say that she's

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Speaker 2: paying I don't know, five hundred bucks a month towards

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Speaker 2: her debt, could be three hundred, could be eight hundred, whatever,

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Speaker 2: and she's going to plug it into a debt payoff

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Speaker 2: calculator and she's gonna say, Okay, it's gonna take me

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Speaker 2: three point five years to pay it off. Then, now

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Speaker 2: that she's got it all on paper, she can actually say, hey,

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Speaker 2: wait a minute, I've got six months of my emergency fund.

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Speaker 2: What if I took one month and put it towards

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Speaker 2: that debt, that might shave off four months of debt payoff.

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Speaker 2: Who knows, But she can actually play with it and

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Speaker 2: make a decision right now, she's kind of making a

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Speaker 2: rule without really understanding the nuances, right and so sometimes

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Speaker 2: rules are helpful because they're just black or white. This

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Speaker 2: is what I'm gonna do, this is what I'm not

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Speaker 2: going to do. I don't mind it. I like rules,

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Speaker 2: But with the debt amount of twenty four thousand, maybe

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Speaker 2: one month might actually contribute meaningfully to paying off this debt.

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Speaker 1: That's my take. Like that, I like if so, remember

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Speaker 1: we I'm glad that we said that's what he would do,

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Speaker 1: because what do we always tell y'all that we are

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Speaker 1: not your financial advisor, we're not your doctor, we're not

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Speaker 1: your lowie, we're not your mom, we're not your dad.

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Speaker 1: Go see Grandy, don't sue us. This is just take

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Speaker 1: it with a grain of salt, the smallest grain that

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Speaker 1: you can find. And this is certainly just some Hey,

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Speaker 1: this is what I potentially would do. And essentially, you

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Speaker 1: have to decide what you're going to do for yourself help.

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Speaker 1: Us to stay out, but no, I like that. I

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Speaker 1: think that that was the one thing I was going

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Speaker 1: to say to add to it is I was going

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Speaker 1: to say, look to see like not necessarily using all

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Speaker 1: your emergency funds, but potentially using some of them to

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Speaker 1: help expedite the process, because sometimes we forget that emergency

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Speaker 1: funds are for emergencies. I remember a friend of mine

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Speaker 1: calling me one day. She was crying and her car

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Speaker 1: broke down or something like that, and I was like, well,

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Speaker 1: what's wrong. She was like, oh, my car broke down.

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Speaker 1: I don't know what I'm going to do. I have

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Speaker 1: to get to work. And I said, well, you know,

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Speaker 1: because I've been working with her, I'm like, well, you

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Speaker 1: have emergency funds. She's like, yeah, but that's for emergencies.

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Speaker 2: Like, oh my god, the same thing. The same thing

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Speaker 2: happened during COVID. So during COVID, I had so many

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Speaker 2: people and they're like, my wife like still has to

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Speaker 2: go to work. I'm so worried. You know, we have

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Speaker 2: this illness in our family, and but I don't know

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Speaker 2: what else to do. I'm like, this is literally a

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Speaker 2: worldwide emergency. This is what an emergency fund is for.

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Speaker 2: So I mean that was like potentially life or death.

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Speaker 2: I think that this is a little murkier, you know, debt.

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Speaker 2: You can make the argument maybe it is, maybe it's not.

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Speaker 2: I don't personally think it's something that I would tap

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Speaker 2: my entire emergency fund for. But if you've done a

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Speaker 2: great job of building up six months, you may want

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Speaker 2: to consider whether dropping that down to five months, you know,

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Speaker 2: what does that do for you?

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Speaker 1: Yeah? Also too, if you're able to meet the point,

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Speaker 1: I'm assuming that we're taking the leap that you got

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Speaker 1: there by putting aside a certain amount of money every month,

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Speaker 1: you know, or if you paid period or every like, Well,

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Speaker 1: now that money can be available to put toward your

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Speaker 1: irs dead instead.

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Speaker 2: Yeah, totally, you know.

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Speaker 1: So you know. So, Okay, we're gonna take a quick break,

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Speaker 1: come back and answer another question. So if you are

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Speaker 1: a listener before we take a break and you want

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Speaker 1: your questions to be answered, we can. You can go

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Speaker 1: to Brownivision podcast dot com click contact us. You can

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Speaker 1: go to Brand and Vision Podcasts on IG and sliding

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Speaker 1: the dms. Okay, you could also tweet us at the

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Speaker 1: BA podcast or Brownivision Podcasts at gmail dot com. Ask

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Speaker 1: your questions about business, about career, about personal finance, about money.

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Speaker 1: We are here to answer your questions as much as possible. Okay,

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Speaker 1: and we're back. And I decided to switch gears cause

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Speaker 1: I could do that, you know, for me's been in

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Speaker 1: the game longer than I have. And I teach you

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Speaker 1: guys all the time that if you are looking for mentorship,

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Speaker 1: like to look for people who have done the things

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Speaker 1: you're wanting to do, especially if they have time put in.

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Speaker 1: Because I'm not impressed. Like you know, someone is one

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Speaker 1: year in business and they've made for million dollars. Cute,

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Speaker 1: I'll see you in ten years, you know, because anyone,

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Speaker 1: as the kids can say, as the kids say, can

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Speaker 1: hit a lick. I can see my bonus starter right now.

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Speaker 1: Like no, she didn't, I said it hit a lick.

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Speaker 1: I'm cool anyway, So anyone can hit a lick. But

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Speaker 1: it takes it really takes like knowledge, it takes fortitude,

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Speaker 1: It takes consistency to be in business year after year

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Speaker 1: after year after year. And so I'm going to lean

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Speaker 1: into the wisdom of remeat and not necessarily ask a

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Speaker 1: financial question, but a business question. So I am in

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Speaker 1: a real like no, no, no, I'm like in this weird

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Speaker 1: place where I don't want to do as much work

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Speaker 1: as I used to do, and I'm not doing as

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Speaker 1: much work as I used to do remat just because

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Speaker 1: I'm just like I'm over it. I used to work

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Speaker 1: all the time. I have a number of companies, one

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Speaker 1: of them Brian Ambition with Mandy, which we have fun

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Speaker 1: our podcast and I love it. I want to keep it.

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Speaker 1: I have an online school, the Literature Academy. It does well,

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Speaker 1: and I have I hired a CEO, thank god, so

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Speaker 1: I don't have to do the day to day running.

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Speaker 1: And then i have my personality brand, the Budgetista, which

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Speaker 1: is the business of Tiffany, and I'm trying to figure out,

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Speaker 1: like I don't know. It's not so much for the

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Speaker 1: Academy because I feel like it's taken care of, not

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Speaker 1: for Bound Ambition because I feel like it's taken care of.

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Speaker 1: But I'm in this weird space with the Budgetista where

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Speaker 1: I'm like what you know, Like what am I? I

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Speaker 1: don't really know what to do because I love doing

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Speaker 1: I love teaching financial education, but I'm in this weird

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Speaker 1: space where I feel like I'm supposed to be pivoting

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Speaker 1: towards something and like, have you been in a space

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Speaker 1: where like because I feel like I will teach you

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Speaker 1: to be rich. It's like equal parts this external business,

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Speaker 1: but I still associated with you kind of like as

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Speaker 1: this personality brand. Like, what's been some of the pivots

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Speaker 1: that you've made that have allowed you to have more

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Speaker 1: space and freedom and time while still your business still

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Speaker 1: being successful.

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Speaker 2: A lot of pivots. What a great question. Gosh, this

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Speaker 2: is this is fantastic. So my business been around about

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Speaker 2: twenty years and it's kind of fascinating from a bird's

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Speaker 2: eye view to see many other players in personal finance

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Speaker 2: and other industries. And I guess I have a model

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Speaker 2: of three different types of businesses that I've seen. One

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Speaker 2: is ones that grow really fast. They typically take venture

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Speaker 2: capital and that's what they want to do. That's the

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Speaker 2: game they're playing. Another one is one that goes really deep.

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Speaker 2: I have a friend Patrick Mackenzie, who writes a newsletter

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Speaker 2: on basically really detailed banking. He's super deep. If you

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Speaker 2: want to know about banking transactions, He's the guy in

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Speaker 2: the world. And then another model is longevity. They stay

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Speaker 2: around and I love that.

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Speaker 1: I love.

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Speaker 2: Buying a car and keeping it for fifteen years. I

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Speaker 2: love my investments for fifty years. That's just how I'm wired.

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Speaker 2: And so in order to do that, in order to

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Speaker 2: have a long business, I realized a few things. Number One,

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Speaker 2: I got to have a way that makes profit. Okay,

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Speaker 2: that's really important. If you don't have profit, then you're

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Speaker 2: you got a hobby. So having a really strong baseline

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Speaker 2: of something that makes money, and preferably a lot of

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Speaker 2: it at high margin, that's awesome. The next thing, the

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Speaker 2: next pivotal moment for me was I think really realizing

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Speaker 2: that now that I have that, I want to have fun.

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Speaker 2: If I'm not having fun, my team's not having fun.

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Speaker 2: If my team's not having fun, our readers and followers

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Speaker 2: and fans are not having fun. And that's the end

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Speaker 2: of the ball game. So what does that mean for me?

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Speaker 2: It suddenly started to take on a different meeting. It

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Speaker 2: means that my wife and I travel for a couple

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Speaker 2: months a year. We love traveling, it's important to us.

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Speaker 2: And while I'm traveling, I'm not working. I might log

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Speaker 2: in for one hour a week check some high impact

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Speaker 2: messages that got to me from my assistant, and that's it.

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Speaker 2: But I'm work is an important, but it's one part

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Speaker 2: of my life. And if you kind of like expand

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Speaker 2: that out, you realize it means you have to have

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Speaker 2: an amazing team. You have to scope down what you're doing.

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Speaker 2: You may not be able to do everything, but you

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Speaker 2: do a few things and do it really well, and

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Speaker 2: you have to resist the rest of the world telling

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Speaker 2: you you should be doing.

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Speaker 1: X, Y and Z.

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Speaker 2: You know, they told me I should have a podcast

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Speaker 2: for eight years, and I heard them, but I just

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Speaker 2: was like, I don't have the right idea. I'm gonna

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Speaker 2: wait until I do. They told me that I have

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Speaker 2: to change the name of my business because it's too

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Speaker 2: focused on me. But I like me and I'm good

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Speaker 2: with it. So you know, I think you have to

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Speaker 2: have a really clear idea of who you are and

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Speaker 2: who you're not and then have fun. That's what I

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Speaker 2: would say.

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Speaker 1: Okay, yeah, it's because I'm saying I now, I travel

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Speaker 1: a lot. I take about three months off a year,

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Speaker 1: and to your point, I actually don't work, which I love.

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Speaker 1: I'm like, I tell the team, you know, if there's

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Speaker 1: a fire call, a firefighter, like, don't you know unless

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Speaker 1: someone on the team is actually hurt, you know, then

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Speaker 1: of course I care about that, you know, like something's

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Speaker 1: happened to someone on the team, because I care about

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Speaker 1: my team. But other than that, I'm like, figure it out,

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Speaker 1: figured out, let me alone. And so I've just been like,

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Speaker 1: you know, because that was one of the bigger things

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Speaker 1: I said, like I want to focus more on how

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Speaker 1: do you actually want to live, Tiffany. And then because

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Speaker 1: for the longest time, it was like what is the budget,

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Speaker 1: eeath the need and then I will fit Tiffany around

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Speaker 1: what that business needs, you know, And now it's really like,

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Speaker 1: really Tiffany focused. I used to take my laptop with me,

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Speaker 1: like to the grocery store, like I had a mar

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Speaker 1: because I'm like, you never know when an important emails

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Speaker 1: got and sometimes my phone is not enough. And now

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Speaker 1: I'm like, I can't remember the last time, like I mean,

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Speaker 1: my laptop. I don't even bring up with me when

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Speaker 1: I travel because I'm just like, why unless I want

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Speaker 1: to watch a movie? Yeah, you know.

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Speaker 2: So I love that It's really about, you know, is

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Speaker 2: what is my rich life? And in your case, I

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Speaker 2: can see it's it's travel, it's exploration, it's other things.

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Speaker 2: And you can still do that and have a really

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Speaker 2: successful business, especially at your level because you've been doing it,

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Speaker 2: you have the team. But I think spending time on

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Speaker 2: really painting that picture of your rich life for today,

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Speaker 2: which can change tomorrow. I think that's the process I

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Speaker 2: use routinely.

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Speaker 1: Is there like a tool or anything that you use.

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Speaker 1: I remember a tool that helped me when I first

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Speaker 1: started was Tim Ferriss and the book you know for

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Speaker 1: our work week. He was like, figure out. I can't

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Speaker 1: remember the words that he used, dreamline yes, yes, and

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Speaker 1: so it was like, and then how much is that

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Speaker 1: gonna cost you? And that helped tremendously when I was

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Speaker 1: teaching preschool trying to figure out, like what was I

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Speaker 1: going to what was I going to do next? Is

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Speaker 1: that still a tool that you use or you have

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Speaker 1: something else?

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Speaker 2: I have my own tools, So I have several. I'll

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Speaker 2: share a couple of them here. One of them is

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Speaker 2: a ten year bucket list. And you can do this solo,

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Speaker 2: you can do with a partner. My wife and I

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Speaker 2: did it together and it was really fun because what

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Speaker 2: do I mean by a ten year bucket list? What

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Speaker 2: I mean is what do I or we want to

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Speaker 2: do in the next ten years where if we accomplish

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Speaker 2: these things, it will mean we have lived a rich

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Speaker 2: and meaningful life. Okay. And the answers are so interesting.

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Speaker 2: So we had we both wrote them down separate piece

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Speaker 2: of paper, then we compared them. We went back and forth.

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Speaker 2: He could do this with a friend, with a partner, solo,

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Speaker 2: and it was like one person, I want to learn

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Speaker 2: Spanish and the other person goes, wow, oh wow, that's amazing.

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Speaker 2: So do you want to do that with a teacher?

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Speaker 2: Do you want to do it in Mexico City? What

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Speaker 2: does it look like? Kind of saying yes? And another person,

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Speaker 2: I want to do skydiving. Oh, that's gonna have to

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Speaker 2: be on your own. I'll meet you at the bottom

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Speaker 2: with a bottle of champagne. And what we found was

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Speaker 2: we found a couple that were really meaningful for both

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Speaker 2: of us. So for us, it was to have a

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Speaker 2: tenure wedding anniversary in a very special place that we

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Speaker 2: know with all of our friends and family. So we

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Speaker 2: honed it on that and we said, all right, let's

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Speaker 2: actually make this happen. How much what's the date? We

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Speaker 2: knew the exact date. How much is it going to cost?

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Speaker 2: And so what we did was we went back to

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Speaker 2: our piece of paper, we wrote down a number and

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Speaker 2: we just ballparked it. People get hung up on precision.

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Speaker 2: Sometimes you don't need precision, you need a big, bad,

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Speaker 2: round number. So we both came back, we compared numbers.

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Speaker 2: Mine was a lot bigger because you know, I like

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Speaker 2: nice hotels and whatever, and so in this case, if

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Speaker 2: you have two different numbers, you just go with the

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Speaker 2: bigger one, okay. And we took that number, and we

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Speaker 2: started saving money every single month because we knew the

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Speaker 2: exact date that we needed it. So every month and

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Speaker 2: we talk about money. It's like a video game. We're

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Speaker 2: getting a little bit closer to that thing. I think

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Speaker 2: for a lot of people, that's first tools tenure bucket list.

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Speaker 2: The second one is going through my money dial exercise,

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Speaker 2: and you can find this. I gave a talk at Google.

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Speaker 2: You can find it in my money coaching program. Essentially,

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Speaker 2: what do you love to spend money on? For most people,

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Speaker 2: the number one answer is food. It's like eating out.

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Speaker 2: The next answer is travel, The third is health and wellness,

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Speaker 2: fourth is mind convenience, And there's a variety of other

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Speaker 2: money dells. The second question is what if you turn

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Speaker 2: that dial up and you quadrupled your spend what would

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Speaker 2: it look like and feel like? And this is where

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Speaker 2: it gets quite surprising. Most people are very linear in

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Speaker 2: their answer. They go, oh, I'd have to watch my

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Speaker 2: weight because I'd eat out four times a week hahaha.

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Speaker 2: And I go, wait a minute, where would you eat out?

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Speaker 2: Who would you bring with you? There's so many different

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Speaker 2: ways beyond mere quantity, and you can really create some

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Speaker 2: special things if you spend more, if you spend extravagantly

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Speaker 2: on the things you love, as long as you cut

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Speaker 2: costs mercilessly on the things you don't.

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Speaker 1: I love that. This is great. See y'all find I

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Speaker 1: was gonna have for me? Asked me questions? Girl? No, no,

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Speaker 1: for real? This is like really helpful because what you're

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Speaker 1: essentially saying is that it's really not The question is

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Speaker 1: not what do I do in business? It's like, what

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Speaker 1: do you do as Tiffany? And match the business?

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Speaker 2: Yes, what is my rich life Tiffany? And then once

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Speaker 2: I have that vivid, specific, huge vision, we're not shrinking

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Speaker 2: our vision, we're maximizing it. Then where does the business

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Speaker 2: fit in? And by the way, for your listeners, I

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Speaker 2: bet this is common. So when I ask people what

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Speaker 2: is your rich life. I often get this really funny

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Speaker 2: response to the first one is I want to do

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Speaker 2: what I want when I want. I go, God, not

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Speaker 2: this answer again. I go, well, that's so interesting. I

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Speaker 2: never heard that. So what do you want? And then

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Speaker 2: they just stare at me blankly. They never thought about it.

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Speaker 2: Think about we go to work, we answer ten million emails,

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Speaker 2: we save our money, we listen to this podcast, and

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Speaker 2: then what's it all for? We never even thought about it?

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Speaker 2: What a waste. So that's the first one. The second

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Speaker 2: one is sometimes they'll tell me something like I really

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Speaker 2: want to have, like a beach house. I go, wow,

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Speaker 2: that's really cool. Tell me more about that, and then

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Speaker 2: they do this. They go, well, it doesn't have to

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Speaker 2: be a big beach house. I mean, it doesn't even

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Speaker 2: have to be that nice. I mean it doesn't even

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Speaker 2: have to have a roof. I mean even three walls

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Speaker 2: is fine.

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Speaker 1: It's fine.

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Speaker 2: I don't even it's just a little one. I go,

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Speaker 2: why are we minimizing our dreams? This is your rich life,

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Speaker 2: not your worst life. You're telling me you need a

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Speaker 2: three walled beach house with no roof. That's your rich life.

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Speaker 2: And really what it is is we minimize ourselves. We

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Speaker 2: are taught that it's not okay a dream big, that

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Speaker 2: we have to shrink ourselves because society won't allow us

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Speaker 2: to dream big. I don't want that shit. I want

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Speaker 2: to hear your big, bountiful dream. Now, maybe you want

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Speaker 2: a huge beach house in Malibu. All right, that's gonna

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Speaker 2: cost twenty million bucks, probably unrealistic for the vast majority

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Speaker 2: of people. Fine, but how about renting it for four days?

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Speaker 2: How about that at least you can taste it and see.

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Speaker 2: Or maybe it doesn't have to be a twenty million

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Speaker 2: dollar house. Maybe it can be more modest. But let's

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Speaker 2: at least start big and then we can figure out

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Speaker 2: the numbers from there.

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Speaker 1: No. I love that because because you're right, so many

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Speaker 1: of us. How can you accomplish a thing? But even

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Speaker 1: in your own dreams, your curtail yourself, you know, which

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Speaker 1: is crazy. Oh, can you tell us a little bit

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Speaker 1: more before before we kick you off? And I'm just joking.

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Speaker 1: Tell us more about Netflix, like where can people well,

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00:20:56,400 --> 00:20:58,720
Speaker 1: obviously on Netflix, but tell us more about your show,

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Speaker 1: what they can expect and where they can like connect

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Speaker 1: with you further.

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Speaker 2: So the magic part of the show, how to Get

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Speaker 2: Rich on Netflix is that I didn't know anything about

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00:21:08,720 --> 00:21:10,840
Speaker 2: the guests that I worked with before I met them.

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Speaker 2: The only thing I knew was their name, and I

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00:21:13,680 --> 00:21:17,159
Speaker 2: had all of their financial documents. So you follow me

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00:21:18,080 --> 00:21:20,679
Speaker 2: as I'm looking at their documents and I'm trying to

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Speaker 2: guess who are these people, what's going on, what might

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Speaker 2: be the problem. So I can see, for example, someone

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Speaker 2: who had a lot of debit card transactions at one

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Speaker 2: oh five in the morning, I go, oh, this is

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00:21:32,280 --> 00:21:34,199
Speaker 2: probably a young guy who likes to go out. I

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00:21:34,240 --> 00:21:37,520
Speaker 2: recognize that type of spending. I know that from my twenties.

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00:21:38,000 --> 00:21:40,359
Speaker 2: And you know, I see somebody else who has a

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00:21:40,440 --> 00:21:44,680
Speaker 2: bank account at a private wealth management bank. I go, Okay,

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00:21:44,720 --> 00:21:48,479
Speaker 2: this person's wealthy. Maybe they have an inheritance, maybe high income,

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Speaker 2: et cetera. And then we try to figure it out together.

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Speaker 2: So that is the show How to Get Rich on

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Speaker 2: Netflix and my podcast where I talked to couples about

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Speaker 2: money called I Will Teach You to Be.

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Speaker 1: Rich and you're New York Times bestseller.

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00:22:02,520 --> 00:22:05,080
Speaker 2: I Will Teach You to Be Rich Rich, Yeah exactly.

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Speaker 1: Now, it was so awesome to have you on. If

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Speaker 1: you miss the Wednesday show, over me go listen to it.

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00:22:10,560 --> 00:22:12,959
Speaker 1: That's your homework. Like I said before, if you have

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Speaker 1: questions that you want to ask myself and Mandy when

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00:22:16,119 --> 00:22:19,040
Speaker 1: she's back from Maternityly, the baby's so cute. If you're

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00:22:19,040 --> 00:22:21,960
Speaker 1: not following her Mandy Money on social media, you're missing

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00:22:22,040 --> 00:22:24,560
Speaker 1: out on all the cuteness. But if you've got questions,

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00:22:24,600 --> 00:22:29,160
Speaker 1: you can ask them at brindibisionpodcast dot com, Briannibision Podcast

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00:22:29,240 --> 00:22:33,000
Speaker 1: at gmail dot com, briand and Vision podcast on Instagram,

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00:22:33,040 --> 00:22:36,920
Speaker 1: slide into the DMS or the BA podcast on Twitter.

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Speaker 1: We answer your questions every week. Thank you until next week, bye,

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00:22:42,160 --> 00:22:44,200
Speaker 1: and thank you again so much for me. We really

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00:22:44,240 --> 00:22:44,760
Speaker 1: loved you here.

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Speaker 2: Hey, BA fam, we could not do this show without

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00:22:48,680 --> 00:22:51,760
Speaker 2: your support or the support of our team behind the scenes.

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Speaker 1: The Briannambision podcast is produced by Imani Crosby and Dennis

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00:22:56,000 --> 00:22:59,080
Speaker 1: and Plinsky is our in house tech guru. I am

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00:22:59,080 --> 00:23:01,720
Speaker 1: your co host, man Woodrif Santos, and we will see

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Speaker 1: y'all next week. Ba Fama