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Speaker 1: Hey, hey, hey, I hit my my my lamp because

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Speaker 1: I feel free a little. Yeah, last one, I'm free

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Speaker 1: from his his snack demands for the next hour.

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Speaker 2: Wait, who is snack demands?

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Speaker 3: Superman like?

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Speaker 1: So he got his he got foot surgery because low key,

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Speaker 1: high key he has hammertoes.

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Speaker 2: I don't related podcast Macho one of the leads, right,

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Speaker 2: he did not.

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Speaker 1: Listen to podcast. So if y'all see him in the streets,

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Speaker 1: don't you tell him?

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Speaker 3: I told y'all.

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Speaker 1: So, so he was like, oh, you know, I'm gonna

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Speaker 1: get you know, get them get you get one foot

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Speaker 1: at a time.

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Speaker 3: But he really can't walk. He's a boot. He's to

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Speaker 3: basically stay.

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Speaker 1: You know, you pretty stay, you know, like he can

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Speaker 1: go from place to place, but with his crutches, but

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Speaker 1: him has to basically stay in one place. And so

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Speaker 1: it's been like, hey, can you bring me water? I'm

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Speaker 1: like here, yes, I am. I feel like, you know,

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Speaker 1: morning you tonight. I'm like, do you always.

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Speaker 3: Eat this much?

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Speaker 1: Wait?

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Speaker 2: It's only one foot though? Does he not have crutches?

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Speaker 2: Or he does?

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Speaker 1: But honestly, you know, we we have a we have

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Speaker 1: three floors. So it's honestly like seeing him come down

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Speaker 1: the stairs and crutches.

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Speaker 2: I'm like, uh, you know what, just staying here because

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Speaker 2: so you're going up and down three floors.

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Speaker 1: Yeah, and it's honestly really hard. So I know, so

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Speaker 1: it's hard for him. I mean, so he does come down.

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Speaker 1: I would say he comes down like once a day,

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Speaker 1: but it's too much to go, Like, he can't go up, down, up, down.

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Speaker 1: So I'm like, I'm having to bring up breakfast, lunch, dinner,

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Speaker 1: and snacks and I'm sorry. I try to like, you know,

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Speaker 1: pack him, like, hey, so all these snacks, this is

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Speaker 1: really to last you.

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Speaker 3: So I'm gonna need you to budget you're eating.

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Speaker 1: I felt bad because he called me like a like

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Speaker 1: an hour ago, was like hello.

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Speaker 3: Wet to see there you go.

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Speaker 1: See maybe he knows so crazy by Suman even when

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Speaker 1: he can't knock on the door to push through, he's like,

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Speaker 1: I'm still there.

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Speaker 2: I'll sound for you. That should be your ring tone

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Speaker 2: his text tone for him, just the sound of a

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Speaker 2: door opening. I'm hiding in my basement right now. This

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Speaker 2: is new for me. I'm hying because well this is

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Speaker 2: we've we've been working on fixing up the basement, and

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Speaker 2: I think what I'm going to do well. I already

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Speaker 2: have the peloton down here. That's what started it. As

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Speaker 2: soon as a woman wanted to be down here being me,

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Speaker 2: I was like, this is this is inhabitable for endie

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Speaker 2: human life. We have got to fix it up because

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Speaker 2: this is where you know, Husby comes down here and

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Speaker 2: does his little projects and I don't know what he does.

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Speaker 2: He has like a so no speaker installed, he has

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Speaker 2: you know, his tool area set up. I'm taking over

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Speaker 2: this joint. He does not even know it, but the

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Speaker 2: peloton's here. Now, I'm going to set up my podcasting area.

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Speaker 2: I'm going to set up my YouTube area. And this

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Speaker 2: is gonna be Mandyland.

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Speaker 3: It's a man cave. Is just she she shed.

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Speaker 2: He's got it. I mean he's fine. He has his

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Speaker 2: little he still has his don't like he has his

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Speaker 2: his little corner of the basement, but he also has

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Speaker 2: the shed and he's he's gonna be fine. I need this.

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Speaker 2: I need this space for myself. It really does feel

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Speaker 2: like when I close that door and I walk down

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Speaker 2: here to this damp, dingy you know, like mosquito and

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Speaker 2: fly ridden basement, it feels like I'm just taking a

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Speaker 2: big sigh relief, and the Peloton's been good. But it's

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Speaker 2: just like, I don't know, there's so little sick you

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Speaker 2: don't really have. It's kind of sad that this is

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Speaker 2: my safe space, like my me time space, but I

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Speaker 2: need it. And he gets to go in the city.

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Speaker 2: And I say he gets to go, but you know,

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Speaker 2: he goes into the city a couple days a week.

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Speaker 2: And I just I just I just fantasize about what

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Speaker 2: he listens to you on the train. I'm like, what

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Speaker 2: did you what did you think about for those forty

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Speaker 2: minutes of uninterrupted silence? What did you listen to? And

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Speaker 2: I get mad when he doesn't do anything, I'm like,

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Speaker 2: what do you he and you had forty minutes to

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Speaker 2: sit there and you didn't listen to anything or do anything. Anyway,

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Speaker 2: he's he's being good about it, and he's actually excited

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Speaker 2: because it, you know, fixing up the basement means he

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Speaker 2: gets to use tools and stuff. So I hope, I

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Speaker 2: hope it looks cute all sudden. I'll post a pick

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Speaker 2: when it's done.

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Speaker 1: No, I would love to see yeah, because as you know,

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Speaker 1: Sugarman's he has his man cake. But for his fortieth

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Speaker 1: one of the things I was supposed to do. I

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Speaker 1: just have been dragging my feet. Is I'm deck you know,

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Speaker 1: I'm getting it all decked out. Like he loves movies.

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Speaker 1: So there's like two parts. One part we're going to

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Speaker 1: make it to like a movie theater and the other

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Speaker 1: part like a even though he doesn't drink, but kind

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Speaker 1: of like a I guess, like a bar. I guess,

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Speaker 1: like so they can play cards. Yeah, I mean he

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Speaker 1: doesn't nothing.

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Speaker 3: He doesn't drink at all, but he's not really like

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Speaker 3: he's like, you know, the occasional beer with my friends

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Speaker 3: come over guy.

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Speaker 1: Yeah, but still like we would have, like I was

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Speaker 1: gonna get a Neon signed because his nickname is Twin,

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Speaker 1: you know, because black people are very literal because he's Twine.

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Speaker 3: No, he's gonna nicknames.

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Speaker 1: They're also not being Bobby because when they're little they

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Speaker 1: had such not be these because my husband's really so

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Speaker 1: name not being Bobby because they're like this one has

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Speaker 1: not been these and you're his twins, so we're just

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Speaker 1: gonna call you Bobby.

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Speaker 3: Can you imagine?

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Speaker 2: I mean, okay, whatever, I know.

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Speaker 1: So yeah, So so yeah, I was gonna get a

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Speaker 1: sign that at twins place, and like so Rihanna.

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Speaker 2: Because everything is not just for him, it's for his

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Speaker 2: his his twin too, Like that's what you were saying, Like.

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Speaker 1: Yeah, kind of so that way that he doesn't feel

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Speaker 1: even though right now they're like whatever, you know how

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Speaker 1: it is, Well, I don't know, you don't have uh

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Speaker 1: two kids yet, but boys sometimes are just like what

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Speaker 1: do you mean, like a, you're not friends?

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Speaker 3: Are your friends? Are you're not friends? Okay, you're not

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Speaker 3: friends right now? Okay, but no.

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Speaker 1: But I'm excited about Like I can understand the appeal

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Speaker 1: because while he's been upstairs, you know, buzzing my phone

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Speaker 1: for random food, I had been sneaking into the man

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Speaker 1: cave getting my life like.

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Speaker 3: It was cute down here.

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Speaker 2: So you you get some space for yourself, my friend,

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Speaker 2: make some them down there for you, even if it's

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Speaker 2: like a little a little reading area. I'm really excited.

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Speaker 2: I'm going to make it like a little reading corner

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Speaker 2: and make it kind of sin. I have all these ideas.

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Speaker 2: I've been on Pinterest all the time.

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Speaker 3: I took half of it for my gym that I

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Speaker 3: don't use.

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Speaker 2: Well, then makes something you do use, yeah, like a

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Speaker 2: little meditation room or I don't know whatever, Just yeah,

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Speaker 2: you should have a space for yourself, go out.

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Speaker 1: Of the whole house is for me. I'm not gonna

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Speaker 1: have my own office. I have like we Yeah, He's

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Speaker 1: always like everything here is for you.

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Speaker 3: Make it is.

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Speaker 2: That's different.

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Speaker 1: Well I'm not so like joyful news Black Panther passed

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Speaker 1: away chat.

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Speaker 2: That was the segue. That was like the segue for

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Speaker 2: the age, the twenty twenty segue.

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Speaker 3: Just I don't even know what to say.

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Speaker 2: It's no, I know the abrupt but the abruptness of

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Speaker 2: it just like.

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Speaker 3: Yeah, it's like I was.

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Speaker 1: I remember it was like late was it was? It

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Speaker 1: was it was late night and I saw my WhatsApp

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Speaker 1: chat someone said Chad it. They wrote his name and

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Speaker 1: like question mark, explamation, exclamation. I was like, wait, what

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Speaker 1: what do those words mean? And I looked them like

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Speaker 1: there's no way. So I googled it and.

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Speaker 3: I was like what is what?

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Speaker 2: Yeah, it was. I was talking to a really good

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Speaker 2: friend of mine who I haven't talked to, and I

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Speaker 2: mean in a good conversation like over a year. Shout

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Speaker 2: out to Kevin who listens to the show. I'm helping

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Speaker 2: him consolidates some credit card to Hey, that's what happened

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Speaker 2: to me. Call me after a year. I'm like, so,

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Speaker 2: let's talk about your personal finances. But in the middle

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Speaker 2: of the conversation, he said, Chadwick and I feel like

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Speaker 2: these days were you know, I'm kind of waiting for

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Speaker 2: oh hey, Molly girl, I'm kind of waiting for tragic

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Speaker 2: tragedy to strike. But it was it was the same

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Speaker 2: feeling I got when I when I found out about

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Speaker 2: Kobe and I just saw what I saw something on

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Speaker 2: Twitter on Instagram somebody posted it was the same similar

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Speaker 2: It was like Kobe question mark. And then I was

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Speaker 2: like please, no, please, no, dear lord, no. Chadwick hit me.

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Speaker 2: I mean I was, as you know, like everyone knows

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Speaker 2: Kobe and my little brother love. I mean, he my

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Speaker 2: poor brother. He really has been grieving for Kobe. He

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Speaker 2: was always a fan of Lakers and Kobe he met

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Speaker 2: when he was a kid, and all this stuff. Chadwick,

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Speaker 2: for me, it hit me a little bit deeper, especially

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Speaker 2: because Black Panther just I don't think, I mean, I

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Speaker 2: did realize how meaningful it was to me when I

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Speaker 2: left that theater. You know how the end of Black Panther,

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Speaker 2: when he's he and his sister. Are they come back

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Speaker 2: to I think it's California. Uh, And they see some

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Speaker 2: kids playing like a basketball court or something like that,

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Speaker 2: and he shows up. What do you call that? I'm

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Speaker 2: just like not good at my his like space space machine,

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Speaker 2: I don't know, his rocket ship. He shows up and

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Speaker 2: the kids are in awe of this, you know, this

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Speaker 2: black man and woman who are so powerful, and that

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Speaker 2: feeling that you left the theater with that electrics. For me,

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Speaker 2: it was it was so different. I left so motivated.

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Speaker 2: I left so excited to raise a brown baby and

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Speaker 2: for every black kid. And I just left so excited

203
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Speaker 2: to have this black hero, this black af superhero movie

204
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Speaker 2: unapologetically black out there and that. And it's not just

205
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Speaker 2: that movie, but he he was. He was supposed to

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Speaker 2: have so much more time. I feel like he was.

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Speaker 2: He was like the next coming of Denzel Washington, like

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Speaker 2: he was, you know, and it it it's it's really

209
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Speaker 2: really tragic. And the fact that he was doing it

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Speaker 2: in private, you know, fighting cancer in private, and so yeah,

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Speaker 2: so it just fucking strong. He had to be so

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Speaker 2: strong to.

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Speaker 1: Do that, and people were I remember when all of

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Speaker 1: a sudden I saw that he was losing a lot

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Speaker 1: of weight, and I remember thinking maybe he's doing it

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Speaker 1: for I just kind of kept in my.

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Speaker 3: Mind like, wow, Tabook was looking really skinny. I said, oh,

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Speaker 3: maybe for a role. And I left it.

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Speaker 1: But I evenized that people were really he had to turn

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Speaker 1: off his comments and delete pictures off his Instagram because

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Speaker 1: people were really going in about his way.

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Speaker 3: It just goes to show you never know, I.

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Speaker 2: Didn't know that people were like like comment and oh

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Speaker 2: my god, I hadn't really seen photos of him in

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Speaker 2: a minute. That's you don't know what someone's private struggle is.

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Speaker 2: And I mean, and I really you know, when I

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Speaker 2: was trying to think of the message we could send

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Speaker 2: to you know, through brown ambition, all they can say

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Speaker 2: is you just it's just a reminder you don't know

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Speaker 2: what someone's private struggle is. And you've and we've got

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Speaker 2: to try to be empathetic. And you know, it's not

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Speaker 2: about us knowing every detail about everyone in our circles lives,

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Speaker 2: but it's about you know, reach out to those five

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Speaker 2: people that you you know, we're close with, maybe you

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Speaker 2: haven't talked to in a while, and you know, see

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Speaker 2: if they need anything or they want to talk. I

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Speaker 2: I don't know. It makes me want to. It makes

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Speaker 2: me want to continue to just keep those lines of

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Speaker 2: communication open with my loved ones and to be kind,

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Speaker 2: be kind. The world needs more kindness, more kindness, Well

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Speaker 2: rest and power. Chadwick Boseman. I know the tributes will

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Speaker 2: continue pouring in. We want. My mom is in town,

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Speaker 2: speaking of like silver happy happy news. My mom is

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Speaker 2: in town. Her and her husband drove here from Saint Louis.

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Speaker 2: How many hours was that like? Fourteen hours? Yeah? They

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Speaker 2: and you know, because she didn't want to fly and

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Speaker 2: all that stuff. But I'm so excited to have her here.

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Speaker 2: But they arrived on Saturday, and the first thing we

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Speaker 2: did that night was we sat down and watched forty two,

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Speaker 2: which was Chadwicks one of his earlier films. I think

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Speaker 2: it was twenty thirteen where he played Jesse or sorry

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Speaker 2: Jessie Robert.

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Speaker 3: Yeah. That was good.

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Speaker 2: Yeah, it was good. I hadn't seen it, and I

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Speaker 2: want to, you know, I never saw the James Brown. Yes,

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Speaker 2: the James Brown movie, and then was good.

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Speaker 1: And I'm not really a movie person. Me and Superman

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Speaker 1: watched it and I was like, that was so good.

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Speaker 3: It's really good.

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Speaker 1: I mean, he he nailed it. You were just like, Wow,

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Speaker 1: what a talent.

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Speaker 2: I didn't know you could even sing. I saw some

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Speaker 2: clips of him singing. I'm like, of course he could.

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Speaker 3: It is just all the things.

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Speaker 1: And then you know, Danzel like paid for him to

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Speaker 1: like get acting classes.

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Speaker 2: Yeah, I remember that story.

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Speaker 1: If you guys haven't watched Google Chadwick Boseman, Uh, Denzel

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Speaker 1: lifetime achievement speech, it's just like two and a half minutes,

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Speaker 1: but it's just so powerful and beautiful, and it's you

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Speaker 1: see that he's visibly slim, slimmer. It's after Black Panther

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Speaker 1: and everything else and the tribute he gives Denzel. Really

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Speaker 1: it's just so moving.

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Speaker 3: And just the power of kindness and what it can

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Speaker 3: how it can transform someone's life. So it's on YouTube. Yeah,

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Speaker 3: it's just an amazing speech.

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Speaker 2: It's beautiful. Our hearts go out to I mean my

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Speaker 2: heart definitely goes out to his family, and it just

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Speaker 2: makes you think again about losing Kobe this year and

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Speaker 2: please just no more, no more.

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Speaker 1: Uh.

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Speaker 2: And I mean you also think about the people whose

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Speaker 2: deaths have been you know, not covered quiet COVID one

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Speaker 2: hundred and eighty thousand people that have died. It's you know,

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Speaker 2: this year is this year. I mean, it will fund

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Speaker 2: it. It was gonna change, it will change the country. Ye,

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Speaker 2: it already has. But I don't I don't think we

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Speaker 2: realize quite yet. How will never It'll never be the same.

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Speaker 2: I hope not, you know, And I hope that there's

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Speaker 2: a lot of good that comes out of the lessons

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Speaker 2: we've learned, you know, in quarantine, through this pandemic. But

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Speaker 2: it's kind of overwhelming to think of how dramatically things

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Speaker 2: have changed. I'm so good my mommy is here because

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Speaker 2: I can.

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Speaker 1: Hug her no exactly, and that's really if anything that

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Speaker 1: it has taught us is to hug and hold tight

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Speaker 1: to your loved ones. I spent way more time on

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Speaker 1: the phone and in person with my loved ones now,

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Speaker 1: more than.

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Speaker 3: Ever, just because you just realize that's what's most important.

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Speaker 2: Yeah, one hundred percent. And I actually am hugging my mother.

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Speaker 2: I had we had a moment where we were like, Okay,

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Speaker 2: is there gonna be masks? Are we going to be

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Speaker 2: no distance? And I think, you know, New York's rates

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Speaker 2: are so low right now. I think we've had twenty

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Speaker 2: straight days where the rate of COVID has been less

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Speaker 2: than one percent, and anyway we've questioned, you know, we've

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Speaker 2: all been really careful and everything like that. But I

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Speaker 2: think I am dipping my toe back into some sense

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Speaker 2: of normalcy. I I it feels good. You know, there's

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Speaker 2: still that undercurrent of anxiety like is this okay? Like

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Speaker 2: what's going to happen? But it just feels really good

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Speaker 2: to have her here and to see her with Rio

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Speaker 2: and and I'm not gonna lie. The free child care

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Speaker 2: is it is not hurting I. Uh so, I'm really

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Speaker 2: glad to have her this week. I love it. Well,

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Speaker 2: let's we talk about today's show a little bit.

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Speaker 3: Yeah, real quick it did you buy any Apple or Tesla?

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Speaker 3: You know the stock split?

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Speaker 2: We Yeah, my husband really wants to did you have

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Speaker 2: you bought any yet? I did? I did get so much.

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Speaker 2: I don't tell much how much.

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Speaker 3: I made about seven hundred and fifty dollars today. God damn,

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Speaker 3: I on that I bought. Because what happened is I

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Speaker 3: was like going back and forth.

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Speaker 1: I have this like what'sapp chat called wealth wealth what'sapp

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Speaker 1: with like my friends who like like to invest and

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Speaker 1: also to the Unicorn squad, you know, the people who

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Speaker 1: work on my team. We have like an investment slack channel,

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Speaker 1: So we were talking about it, getting prepared, and I decided,

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Speaker 1: you know, I'm taking the leap. I bought fifty shares

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Speaker 1: of Apple and ten shares of Tesla. Apple my fifty yeers,

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Speaker 1: I mean, Apple didn't it didn't go up tremendously. Like

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Speaker 1: I bought it for one hundred and twenty seven dollars

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Speaker 1: and sixty seven cents and now it's at one twenty

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Speaker 1: nine and thirty twenty three cents. But really it was Tesla,

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Speaker 1: because you know Tesla's so expensive.

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Speaker 2: It's Tesla.

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Speaker 1: Yeah, yes, I bought it for four hundred and forty

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Speaker 1: four dollars or really four hundred forty five dollars and

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Speaker 1: it's up to five h nine.

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Speaker 3: So Tesla went up twelve and a half percent today.

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Speaker 2: So talk about the stock splits. So how are the shares,

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Speaker 2: the more affordable shares treated differently than the more expensive shares.

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Speaker 2: How does all that work?

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Speaker 1: It's not really treated differently. What they're just trying to

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Speaker 1: do is to allow people who can't afford the shares

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Speaker 1: really to buy, so your shares are still worth the same.

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Speaker 1: So what I mean obviously the market has reacted, so

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Speaker 1: your shares are not worth the same, but technically they are.

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Speaker 1: So let's just say a company has a stock and

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Speaker 1: it's one thousand dollars, so these were four these the

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Speaker 1: stock was split in four for both Apple and Tesla,

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Speaker 1: so it's like, okay, the shares are worth a one

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Speaker 1: thousand dollars divided by four.

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Speaker 3: So one thousand divided by four is what fifty two fifty, right.

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Speaker 1: So that means you now, instead of having one share

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Speaker 1: that's worth a thousand, you've got four shares that are

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Speaker 1: worth two hundred and fifty dollars a piece. So technically,

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Speaker 1: net net, you're even. But because the stock market is

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Speaker 1: not based upon facts, it's based upon emotions. Because people

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Speaker 1: were like excited, you know, that this was happening.

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Speaker 3: It it raised the cost of your one fourth now

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Speaker 3: of this new share. So even though you're your.

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Speaker 1: One share just a couple of days ago, even before

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Speaker 1: the stock split, shares were like prices were growing up,

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Speaker 1: you know, because people were like so excited about it.

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Speaker 1: So you're one share that was worth two fifty now

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Speaker 1: today you know it might be worth two sixty because

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Speaker 1: of the excitement that people are having that, you know

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Speaker 1: that the shares are more affordable. So stock splits really

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Speaker 1: just mean that you have you have a stock that's

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Speaker 1: worth the same amount, just in different denominations. How it's

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Speaker 1: given to you to allow other people to enter into

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Speaker 1: the market as it relates to that particular stock.

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Speaker 3: So that's one of the reasons.

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Speaker 1: Why I had not bought Apple and Testa like a

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Speaker 1: silo pricey. So now you know I was able to

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Speaker 1: afford more. I yeah, so I'm excited about it.

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Speaker 2: I tell Enrinkue all the time. I'm like, Babe, we

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Speaker 2: do have Apple and Tesla's stock. Look at our index funds.

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Speaker 2: We got our total stock market index BOM, we got

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Speaker 2: our s and P five hundred index fund. He's like,

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Speaker 2: that's not the same. But do you remember, I think

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Speaker 2: we've actually been recording long enough for us to have

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Speaker 2: an episode. There's got to be one from twenty sixteen,

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Speaker 2: when we were we were saving up for the wedding.

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Speaker 2: We were living with Enrique's parents and he had the

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Speaker 2: and I was helping him pay his credit card off,

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Speaker 2: you know, credit card debt off that he had on

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Speaker 2: his own, you know, as we were just dating back then,

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Speaker 2: so he had his own little whatever credit debt, and

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Speaker 2: he took a thousand dollars out of the money we

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Speaker 2: were setting aside for the wedding. And he at the

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Speaker 2: time you had to like pay a thousand dollars to

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Speaker 2: reserve or your spot in line for a Tesla, like

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Speaker 2: just for the just for like a spot to buy

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Speaker 2: one a year from then, he gave a thousand dollars

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Speaker 2: of our money away, and I blew up at him.

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Speaker 2: I basically made him get it back, and he has

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Speaker 2: never let me forget it because he's like, imagine what

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Speaker 2: that would be if I And I was like, you know,

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Speaker 2: imagine I could have had a Tesla. And I was like, babe,

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Speaker 2: you know what, really, you know is sad about this.

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Speaker 2: Imagine if you've taken a thousand dollars and bought Tesla stock.

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Speaker 2: He had had one hundred titles by now, if he

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Speaker 2: would have took it what it was trading for then,

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Speaker 2: I don't think it was public at the time, but

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Speaker 2: it went public. My husband's been a little late to

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Speaker 2: the whole like stock investing game. I don't I don't,

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Speaker 2: you know. I thought you might be more into it,

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Speaker 2: but yeah, looking and I've always been like an index

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Speaker 2: fun girl. So I was never entertaining conversations about buying stock.

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Speaker 2: But yeah, I'm kind of like, boo, if you loved

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Speaker 2: him so much, why don't you just buy stock?

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Speaker 3: Yeah?

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Speaker 1: And you know, it's so crazy because my sister, Carol,

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Speaker 1: the engineer, she she told me about Tesla. I think

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Speaker 1: she bought Tesla when it was thirty dollars a share

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Speaker 1: something crazy. Oh wow, remember she got fifteen. She was

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Speaker 1: trying to convince all of us, and I was like, man,

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Speaker 1: I don't know what she's talking about. I never electric car.

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Speaker 2: Oh girl, that's.

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Speaker 3: So crazy talk.

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Speaker 1: She invested fifteen hundred dollars and got back like thirty

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Speaker 1: thousand or whatever.

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Speaker 3: She used to pay for her wedding. Can you imagine?

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Speaker 3: Oh wow, I remember, so imagine she still would have

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Speaker 3: had it.

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Speaker 2: Now what wait, she used it already.

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Speaker 3: Yeah.

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Speaker 1: I know. That's the thing because what she did, she

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Speaker 1: she was purposely investing for the wedding. She's like, Okay,

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Speaker 1: I want to pay for my wedding and I don't

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Speaker 1: want to come out of pocket like as far as

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Speaker 1: like you know, in the traditional sense.

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Speaker 3: And so that's what it was for she.

438
00:19:55,200 --> 00:19:59,920
Speaker 1: And herr her future husband at that time, they both

439
00:20:00,040 --> 00:20:03,119
Speaker 1: invested fifteen hundred. I think they either invested fifteen hundred

440
00:20:03,119 --> 00:20:07,639
Speaker 1: collectively or peace and it was a it was you know,

441
00:20:07,680 --> 00:20:09,879
Speaker 1: it was struggle because they were young, super young, in

442
00:20:09,920 --> 00:20:12,280
Speaker 1: her twenties, but they did it, and sure enough, by

443
00:20:12,280 --> 00:20:14,360
Speaker 1: the time they went to pull it out to pay

444
00:20:14,359 --> 00:20:17,040
Speaker 1: for the wedding, it was worth over thirty thousand dollars.

445
00:20:17,080 --> 00:20:19,600
Speaker 1: Her fifteen hundred dollars investment imagined down many.

446
00:20:19,720 --> 00:20:21,919
Speaker 2: How did they sleep knowing all their wedding fund was

447
00:20:21,960 --> 00:20:23,320
Speaker 2: tied up in this one stock?

448
00:20:23,960 --> 00:20:25,960
Speaker 1: I know, well, she had other stocks and things that

449
00:20:26,040 --> 00:20:28,560
Speaker 1: she because she's always invested, like she's the one.

450
00:20:28,760 --> 00:20:31,320
Speaker 3: I was like, I should have really listened. She told

451
00:20:31,359 --> 00:20:36,679
Speaker 3: me to buy Shopify, and I did. Mandy. I bought Shopify.

452
00:20:37,240 --> 00:20:40,080
Speaker 3: I bought three measly stingy.

453
00:20:39,640 --> 00:20:42,560
Speaker 1: Shares because I was like, what ever? And I bought

454
00:20:42,600 --> 00:20:44,760
Speaker 1: it for one hundred and forty three dollars. Do you

455
00:20:44,800 --> 00:20:47,159
Speaker 1: know how much one share is now? I don't know,

456
00:20:47,200 --> 00:20:49,520
Speaker 1: but we just signed up with them, and I'm wondering.

457
00:20:49,440 --> 00:20:52,720
Speaker 3: A thousand, sixty six dollars. I bought it for one

458
00:20:52,760 --> 00:20:56,199
Speaker 3: hundred and forty three. I bought three shares. Mandy, I

459
00:20:56,240 --> 00:20:57,040
Speaker 3: have made.

460
00:20:58,560 --> 00:21:00,800
Speaker 1: Imagine if I would have bought, like my total return

461
00:21:00,880 --> 00:21:03,959
Speaker 1: already has been twenty seven hundred dollars. And that's if

462
00:21:04,000 --> 00:21:06,720
Speaker 1: I just would have bought ten shares of Shopify. Can

463
00:21:06,760 --> 00:21:09,680
Speaker 1: you imagine from one hundred and fifty dollars to over

464
00:21:09,720 --> 00:21:11,359
Speaker 1: one thousand dollars is way each year and I have

465
00:21:11,400 --> 00:21:13,600
Speaker 1: only three measlely shared. I'm telling you all of my

466
00:21:13,640 --> 00:21:15,959
Speaker 1: stocks that are doing really well. I just asked her.

467
00:21:16,000 --> 00:21:17,439
Speaker 1: I'm like, she's in my wealth too. I'm like, so

468
00:21:17,560 --> 00:21:21,760
Speaker 1: yesterday i'd asked, I said, hey, stocks blitting tomorrow, would

469
00:21:21,800 --> 00:21:26,080
Speaker 1: you invest in Apple and Tesla? She was like, yes, Apple,

470
00:21:26,160 --> 00:21:28,560
Speaker 1: for sure. I don't know about Tesla. It's still is

471
00:21:28,560 --> 00:21:30,399
Speaker 1: a little like I don't know.

472
00:21:30,600 --> 00:21:32,680
Speaker 2: I don't know abouty Law.

473
00:21:32,840 --> 00:21:33,080
Speaker 1: I know.

474
00:21:33,280 --> 00:21:35,199
Speaker 3: So she was like, I would. So that's why I

475
00:21:35,240 --> 00:21:36,480
Speaker 3: was like, I got the ten shares of Tesla.

476
00:21:36,520 --> 00:21:38,040
Speaker 1: I was like, you know what, but Apple, I went

477
00:21:38,080 --> 00:21:40,000
Speaker 1: a little bit hard for I got fifty shares of Apple.

478
00:21:40,320 --> 00:21:41,480
Speaker 3: So said, I'm gonna ride this wave.

479
00:21:41,600 --> 00:21:43,320
Speaker 1: So I mean all in all over the I've been

480
00:21:43,880 --> 00:21:46,439
Speaker 1: I used Robinhood, so all in all over, like my

481
00:21:46,560 --> 00:21:49,359
Speaker 1: if I were to look at my of all time,

482
00:21:49,440 --> 00:21:52,480
Speaker 1: I started investing August fifth, twenty sixteen.

483
00:21:53,000 --> 00:21:55,440
Speaker 3: So like, what just just about five years ago?

484
00:21:55,520 --> 00:21:58,600
Speaker 1: Right? All in all my return it's fifty seven percent,

485
00:21:58,600 --> 00:21:59,520
Speaker 1: So I'm doing really good.

486
00:22:00,040 --> 00:22:03,080
Speaker 2: Wow, that's awesome. Yeah, so it sounds like your sister's

487
00:22:03,119 --> 00:22:05,560
Speaker 2: the investor needs. I was gonna say, literally, I'm just like,

488
00:22:05,560 --> 00:22:06,120
Speaker 2: what's it that I buy?

489
00:22:07,080 --> 00:22:10,280
Speaker 1: When Docusigne came out, I remember when it was like ipoing,

490
00:22:10,840 --> 00:22:13,280
Speaker 1: you know, she was like, uh, DocuSign is an IPO.

491
00:22:13,640 --> 00:22:16,280
Speaker 1: I suggest everybody get ready. So I bought docu sign

492
00:22:16,359 --> 00:22:18,919
Speaker 1: and Docusigne also too, is doing very well. So I'm

493
00:22:18,960 --> 00:22:21,320
Speaker 1: not gonna lie. I wouldn't call myself an investor. I'm

494
00:22:21,359 --> 00:22:23,879
Speaker 1: just someone who says, so, Carol, Hey, how you doing?

495
00:22:23,920 --> 00:22:24,440
Speaker 1: How the kids?

496
00:22:25,400 --> 00:22:26,600
Speaker 3: What should I buy?

497
00:22:27,160 --> 00:22:27,320
Speaker 1: Well?

498
00:22:27,359 --> 00:22:29,119
Speaker 2: This is the exciting thing if you guys are listening.

499
00:22:29,200 --> 00:22:31,600
Speaker 2: I think again, the emotion I think a lot of

500
00:22:31,600 --> 00:22:33,840
Speaker 2: people feel, and this is what my husband's been feeling,

501
00:22:33,880 --> 00:22:36,280
Speaker 2: is that fomo like, ah, should I missed a good deal?

502
00:22:37,480 --> 00:22:41,320
Speaker 2: I did read an article recently about what it wasn't

503
00:22:41,320 --> 00:22:42,600
Speaker 2: the article I think I was. I guess like the

504
00:22:42,680 --> 00:22:46,200
Speaker 2: Robin Hood's next newsletter that I read, and which is

505
00:22:46,240 --> 00:22:48,359
Speaker 2: a good newsletter? You know, quick and easy read if

506
00:22:48,400 --> 00:22:50,160
Speaker 2: you if you want to looking for a new newsletter.

507
00:22:50,160 --> 00:22:53,280
Speaker 2: I also like the Minority Mindset newsletter. But anyway, they

508
00:22:53,320 --> 00:22:55,359
Speaker 2: were talking about how it's kind of IPO season is

509
00:22:55,440 --> 00:22:58,560
Speaker 2: upon us, and that means a lot of companies are

510
00:22:58,560 --> 00:23:01,040
Speaker 2: about to go public and you should keep your eyes

511
00:23:01,080 --> 00:23:03,320
Speaker 2: peeled because you know, I pos if you picked the

512
00:23:03,359 --> 00:23:06,160
Speaker 2: right one, like Tiffany said, uh, you know you can.

513
00:23:06,480 --> 00:23:09,399
Speaker 2: It's kind of like striking gold. But the other the

514
00:23:09,440 --> 00:23:12,560
Speaker 2: other emotion, my overriding emotion is always like, oh shit,

515
00:23:12,640 --> 00:23:15,800
Speaker 2: this is scary. But I wanted to ask you, tiff

516
00:23:15,920 --> 00:23:19,879
Speaker 2: like with your with buying Apple and and Tesla, do

517
00:23:19,920 --> 00:23:23,360
Speaker 2: you see those as long term investments? Like and did

518
00:23:23,400 --> 00:23:26,080
Speaker 2: you put more money in? Did you put additional funds

519
00:23:26,080 --> 00:23:29,960
Speaker 2: into your portfolio to buy them? Or did you exchange

520
00:23:30,320 --> 00:23:32,560
Speaker 2: existing stocks to buy the new one.

521
00:23:32,600 --> 00:23:34,639
Speaker 3: I've never sold any stocks, so I always think of

522
00:23:34,640 --> 00:23:35,280
Speaker 3: it as long term.

523
00:23:35,280 --> 00:23:37,840
Speaker 1: So I what I did was I had been setting

524
00:23:37,840 --> 00:23:40,520
Speaker 1: aside because the way it works in rob so I

525
00:23:40,560 --> 00:23:42,320
Speaker 1: learned the hardway the first time I wanted to buy

526
00:23:42,359 --> 00:23:45,119
Speaker 1: something that you have to have the money clear and

527
00:23:45,160 --> 00:23:46,280
Speaker 1: sitting basically in Robber.

528
00:23:46,600 --> 00:23:48,800
Speaker 2: Yeah, it's transfer time.

529
00:23:48,840 --> 00:23:52,359
Speaker 1: You're like you know, I learned the hardway to get

530
00:23:52,400 --> 00:23:55,440
Speaker 1: the money in your account exactly is I've been transferring

531
00:23:55,480 --> 00:23:58,000
Speaker 1: like a few hundred here, a few hundred here, just waiting.

532
00:23:58,240 --> 00:24:00,359
Speaker 1: So by the time this came up, I had a

533
00:24:00,359 --> 00:24:03,760
Speaker 1: few thousand over the last few months sitting for me

534
00:24:03,840 --> 00:24:05,480
Speaker 1: setting aside, because you know, what I'll do is like

535
00:24:05,520 --> 00:24:08,400
Speaker 1: I set aside for emergency savings, but that's fully stopped.

536
00:24:08,480 --> 00:24:10,000
Speaker 3: I put a side of money for our retirement.

537
00:24:10,080 --> 00:24:12,119
Speaker 1: So these are things that you know, builds, things like that,

538
00:24:12,160 --> 00:24:13,560
Speaker 1: and then I'm like, oh, I've got an extra hundred

539
00:24:13,560 --> 00:24:15,440
Speaker 1: and fifty dollars, you know what, let me put it here.

540
00:24:15,680 --> 00:24:18,000
Speaker 1: So one of the thing is like with my older

541
00:24:18,080 --> 00:24:22,240
Speaker 1: sister Karen, she has made tens of thousands since COVID,

542
00:24:22,720 --> 00:24:25,159
Speaker 1: and she and her husband have a ruled if they

543
00:24:25,240 --> 00:24:27,399
Speaker 1: can't buy I think it says they can't buy seventy shares,

544
00:24:27,800 --> 00:24:30,360
Speaker 1: they don't buy. So, because you know, if you buy

545
00:24:30,359 --> 00:24:33,320
Speaker 1: a significant amount, like for example, if I would have

546
00:24:33,320 --> 00:24:36,600
Speaker 1: buy seventy shares of Shopify girl, I would have had

547
00:24:36,640 --> 00:24:41,760
Speaker 1: over one hundred thousand dollars in earnings and well in growth, right,

548
00:24:41,840 --> 00:24:45,080
Speaker 1: And so that's what I this time around when my

549
00:24:45,119 --> 00:24:47,119
Speaker 1: sister Carol told me that that's what Karen and her

550
00:24:47,160 --> 00:24:49,679
Speaker 1: husband were doing. I said, you know what, Tiffany, if

551
00:24:49,680 --> 00:24:52,199
Speaker 1: you're gonna buy, buy like you, you know you've been

552
00:24:52,200 --> 00:24:53,399
Speaker 1: setting aside, setting aside.

553
00:24:53,400 --> 00:24:54,280
Speaker 3: That's what this is for.

554
00:24:54,640 --> 00:24:56,720
Speaker 1: So, like I said, I bought fifty shares of Apple

555
00:24:56,720 --> 00:24:59,040
Speaker 1: and I bought ten shares of Tesla because Tesla was

556
00:24:59,080 --> 00:25:01,560
Speaker 1: still expensive and with the stack split it was like

557
00:25:01,600 --> 00:25:03,360
Speaker 1: four hundred or something dollars, so it wasn't it wasn't

558
00:25:03,359 --> 00:25:05,439
Speaker 1: a cheap thing. But yeah, so for me, I'm not

559
00:25:05,520 --> 00:25:07,480
Speaker 1: looking to buy sale buy, so I'm definitely not a trader.

560
00:25:07,520 --> 00:25:09,119
Speaker 1: I just really want to buy and hold on to it,

561
00:25:09,520 --> 00:25:11,440
Speaker 1: buy and hold on and help the supplement later.

562
00:25:12,000 --> 00:25:12,800
Speaker 3: Next thing I want to.

563
00:25:12,720 --> 00:25:15,360
Speaker 1: Start to do start to buy stocks that give dividends

564
00:25:15,400 --> 00:25:18,760
Speaker 1: like the McDonald's, you know, or you could buy ETF

565
00:25:18,840 --> 00:25:21,240
Speaker 1: that yield dividends. But I want to start to buy

566
00:25:21,560 --> 00:25:24,160
Speaker 1: stocks like that and then reinvest the dividends and see

567
00:25:24,640 --> 00:25:25,080
Speaker 1: because for.

568
00:25:25,040 --> 00:25:29,840
Speaker 2: Mex funds paid dividends, I'm a fan of yeah, all

569
00:25:29,880 --> 00:25:33,679
Speaker 2: the because I love to watch. Now. I set up

570
00:25:33,720 --> 00:25:35,440
Speaker 2: text alerts, even though I said I wasn't gonna I

571
00:25:35,480 --> 00:25:38,560
Speaker 2: get like a weekly alert about the portfolio. And yeah,

572
00:25:38,560 --> 00:25:42,560
Speaker 2: the dividend index funds that I have are beautiful. I'm like,

573
00:25:42,600 --> 00:25:44,520
Speaker 2: they just give me hundreds of dollars and I'm just like,

574
00:25:45,440 --> 00:25:48,040
Speaker 2: and it automatically reinvests it, which is nice through Vanguard,

575
00:25:48,760 --> 00:25:52,119
Speaker 2: But where we tell people, hey, we're not investment advisors.

576
00:25:51,880 --> 00:25:53,600
Speaker 3: Yeah, not at all. We're just talking about our experience.

577
00:25:53,680 --> 00:25:55,800
Speaker 2: We are talking about our experience. And you know what,

578
00:25:56,160 --> 00:25:58,560
Speaker 2: this is the kind of I'm excited that we're talking

579
00:25:58,560 --> 00:26:02,000
Speaker 2: more about investing and and I and it's it's also

580
00:26:02,320 --> 00:26:04,320
Speaker 2: you know where we're at. I think TIF and I

581
00:26:04,359 --> 00:26:06,680
Speaker 2: we started the show and certainly in way different places

582
00:26:06,680 --> 00:26:09,000
Speaker 2: than we are now in our lives. And this is

583
00:26:09,000 --> 00:26:11,080
Speaker 2: what it's about. Let's let's talk about building wealth and

584
00:26:11,119 --> 00:26:14,040
Speaker 2: growing wealth. I am. I am convinced that no one

585
00:26:14,080 --> 00:26:17,400
Speaker 2: wants us to know this because if if we don't

586
00:26:17,440 --> 00:26:19,399
Speaker 2: know how to how to build wealth in the market,

587
00:26:19,560 --> 00:26:21,960
Speaker 2: then who's going to work for the companies, who's going

588
00:26:22,000 --> 00:26:25,400
Speaker 2: to you know, who's going to be in the service industry,

589
00:26:26,040 --> 00:26:28,440
Speaker 2: who's gonna work who's gonna be working in retail, who's

590
00:26:28,480 --> 00:26:31,040
Speaker 2: going to be holding up these major corporations while other

591
00:26:31,080 --> 00:26:33,920
Speaker 2: people get rich. It's us people who look like us.

592
00:26:33,960 --> 00:26:37,359
Speaker 2: And I know that maybe that's the most obvious statement

593
00:26:37,400 --> 00:26:40,480
Speaker 2: ever said ever, but it is something that I cannot

594
00:26:40,480 --> 00:26:42,359
Speaker 2: get out of my head. They don't want us to

595
00:26:42,400 --> 00:26:44,640
Speaker 2: know this, and it is an act of you know, Tiff,

596
00:26:44,680 --> 00:26:47,720
Speaker 2: and I think there's sometimes we've covered you know, a

597
00:26:47,840 --> 00:26:51,760
Speaker 2: sad you know, the latest uh, you know, the latest

598
00:26:51,800 --> 00:26:54,840
Speaker 2: person to be shot by police. You know, debts and

599
00:26:54,840 --> 00:26:58,879
Speaker 2: and you know, even talked about recently how homes are

600
00:26:58,920 --> 00:27:02,720
Speaker 2: literally undervalue by appraisers if you're black, you know, owning

601
00:27:02,760 --> 00:27:03,040
Speaker 2: the house.

602
00:27:03,119 --> 00:27:04,520
Speaker 3: And I got an update for you on that too,

603
00:27:04,600 --> 00:27:05,520
Speaker 3: but go ahead, okay.

604
00:27:06,119 --> 00:27:08,520
Speaker 2: And we kind of have these moments where we're like, oh,

605
00:27:08,880 --> 00:27:10,480
Speaker 2: what can we do now? What do we sell? What

606
00:27:10,480 --> 00:27:12,159
Speaker 2: do we tell the listeners? And part of me is

607
00:27:12,200 --> 00:27:15,080
Speaker 2: like the revolution is to play their game and play

608
00:27:15,119 --> 00:27:19,399
Speaker 2: it for yourself and and and knowledge is the power,

609
00:27:19,520 --> 00:27:23,040
Speaker 2: Like we don't have to we should all. And it's

610
00:27:23,080 --> 00:27:24,920
Speaker 2: not even about like you can have like be the

611
00:27:24,960 --> 00:27:28,080
Speaker 2: next door millionaire. You know, you can be that nextra millionaire.

612
00:27:28,280 --> 00:27:30,919
Speaker 2: Like I imagine if anyone had leaned into my father or

613
00:27:30,960 --> 00:27:35,000
Speaker 2: my aunt or you know, my cousins in Atlanta whose

614
00:27:35,040 --> 00:27:38,040
Speaker 2: lives are extremely different than my mom's side of the family.

615
00:27:38,119 --> 00:27:40,640
Speaker 2: And I can't you know, for and I can think

616
00:27:40,680 --> 00:27:43,720
Speaker 2: of a few reasons why that is. And it's all

617
00:27:43,760 --> 00:27:46,560
Speaker 2: because of you know, or not all, but largely because

618
00:27:46,560 --> 00:27:49,879
Speaker 2: of the you know, the systemic, the systemic toll of

619
00:27:49,960 --> 00:27:52,080
Speaker 2: racism in this country and how it taxes your you know,

620
00:27:52,119 --> 00:27:56,080
Speaker 2: earnings and your your opportunity and all that. But I'm like,

621
00:27:56,119 --> 00:27:58,640
Speaker 2: if anyone had just told them, you know, ten twenty

622
00:27:58,720 --> 00:28:01,440
Speaker 2: years ago, hey, one hundred bucks into an index fund,

623
00:28:01,520 --> 00:28:03,880
Speaker 2: or hey, you know, save ten bucks from your paycheck

624
00:28:03,880 --> 00:28:07,480
Speaker 2: and invest it, like it's the knowledge that is the

625
00:28:07,520 --> 00:28:10,639
Speaker 2: key to financial freedom. And you know, I think with

626
00:28:10,720 --> 00:28:13,400
Speaker 2: Brown Ambition Tip, I feel like it's almost our responsibility

627
00:28:13,400 --> 00:28:15,879
Speaker 2: now to talk more about this because it's you know,

628
00:28:16,119 --> 00:28:18,680
Speaker 2: and I'm excited to be talking more about it, and

629
00:28:18,840 --> 00:28:21,399
Speaker 2: you guys send us your questions. Brown Ambition Podcast at

630
00:28:21,400 --> 00:28:25,560
Speaker 2: gmail dot com. Again, we're not stocking, we're not investment advisors.

631
00:28:25,600 --> 00:28:28,159
Speaker 2: This is all. We're just showing you our opinion what

632
00:28:28,240 --> 00:28:30,520
Speaker 2: has worked for us. The point is that we're talking

633
00:28:30,520 --> 00:28:33,320
Speaker 2: about it. It shouldn't be a scary subject, and we hope,

634
00:28:33,680 --> 00:28:36,439
Speaker 2: you know, by talking about it, that it will encourage

635
00:28:36,440 --> 00:28:37,919
Speaker 2: you to be a little bit more curious and to

636
00:28:38,000 --> 00:28:41,080
Speaker 2: learn a little bit more. And I'm glad that we're

637
00:28:41,200 --> 00:28:41,760
Speaker 2: we're doing it.

638
00:28:42,680 --> 00:28:44,240
Speaker 3: Yes, So I just wanted to give you an update

639
00:28:44,280 --> 00:28:44,840
Speaker 3: about the home.

640
00:28:44,880 --> 00:28:48,560
Speaker 1: So remember we talked about that woman Abina whose home

641
00:28:48,680 --> 00:28:53,360
Speaker 1: was undervalued by like one hundred and sixty thousand dollars. Yes, So,

642
00:28:53,440 --> 00:28:55,320
Speaker 1: you know, the New York Times did this whole article

643
00:28:55,600 --> 00:28:58,000
Speaker 1: I saw on mm HM. So I was interviewed for

644
00:28:58,040 --> 00:29:00,800
Speaker 1: that article too, but they just had so many story

645
00:29:00,960 --> 00:29:03,960
Speaker 1: so they, you know, they didn't share my story. But

646
00:29:04,040 --> 00:29:07,160
Speaker 1: what I didn't know is so the reporter who wrote

647
00:29:07,160 --> 00:29:10,040
Speaker 1: the article, she was tweeting. I guess people were kind

648
00:29:10,040 --> 00:29:12,360
Speaker 1: of asking her, like, you know, what, how did she

649
00:29:12,400 --> 00:29:13,480
Speaker 1: do the research for the article?

650
00:29:13,560 --> 00:29:15,680
Speaker 3: She'd been doing She'd been working on an article for

651
00:29:15,720 --> 00:29:16,560
Speaker 3: like a month. I mean, she.

652
00:29:16,560 --> 00:29:20,960
Speaker 1: Interviewed my realtor, I gave her a copy of my appraisal,

653
00:29:21,120 --> 00:29:22,680
Speaker 1: all these things. I mean, she and she interviewed a

654
00:29:22,680 --> 00:29:25,800
Speaker 1: couple of other people that I shared with her. So

655
00:29:26,040 --> 00:29:30,200
Speaker 1: she wrote me or just posted on Twitter. She said

656
00:29:31,120 --> 00:29:33,959
Speaker 1: all the stories didn't make it in. For example, Tiffany

657
00:29:34,040 --> 00:29:36,040
Speaker 1: the Budganista, when we looked at her appraisal, I did

658
00:29:36,080 --> 00:29:38,600
Speaker 1: not know this. I was like what she said, when

659
00:29:38,600 --> 00:29:43,160
Speaker 1: they looked at my appraisal, that the appraiser she had,

660
00:29:43,320 --> 00:29:47,040
Speaker 1: she had an independent appraiser look at the appraisals, you know,

661
00:29:47,080 --> 00:29:49,200
Speaker 1: who didn't know me, who didn't know anything. And so

662
00:29:49,360 --> 00:29:53,200
Speaker 1: the appraisal praiser that came to my house, they put

663
00:29:53,240 --> 00:29:56,760
Speaker 1: me under a category that's called C three, which is

664
00:29:56,800 --> 00:29:59,480
Speaker 1: a house with normal wear and tear versus C two,

665
00:30:00,080 --> 00:30:02,200
Speaker 1: which is what you would put a house that has

666
00:30:02,240 --> 00:30:05,240
Speaker 1: been gutted and renovated. My house wasn't even a year

667
00:30:05,280 --> 00:30:08,600
Speaker 1: old when he came to appraise the house. It has

668
00:30:08,600 --> 00:30:12,880
Speaker 1: been renovated. I mean, we have HVAC, new plumbing, new electric,

669
00:30:12,960 --> 00:30:17,000
Speaker 1: new for literally everything. And this house is new, brand

670
00:30:17,000 --> 00:30:19,560
Speaker 1: new house. And so for them to categorize us as

671
00:30:19,600 --> 00:30:23,680
Speaker 1: a wear and tear regular house is very intentional and telling.

672
00:30:23,880 --> 00:30:25,959
Speaker 1: And then on top of that, she said that the

673
00:30:26,040 --> 00:30:28,880
Speaker 1: comps that they compared me to were not renovated homes.

674
00:30:29,200 --> 00:30:31,680
Speaker 1: So how are you comparing my house to an old

675
00:30:31,720 --> 00:30:35,880
Speaker 1: house that has not been renovated, and then also categorizing

676
00:30:35,880 --> 00:30:38,040
Speaker 1: my house as a regular wear and tear house. That's

677
00:30:38,080 --> 00:30:40,880
Speaker 1: why my appraisal came back thirty thousand dollars. That's how

678
00:30:40,880 --> 00:30:43,800
Speaker 1: they justified saying my house was thirty to forty thousand

679
00:30:43,800 --> 00:30:44,400
Speaker 1: dollars less.

680
00:30:44,560 --> 00:30:46,680
Speaker 3: I didn't even know that. When she tweeted that, I

681
00:30:46,720 --> 00:30:49,560
Speaker 3: was like, wait what. I didn't know why. I didn't

682
00:30:49,560 --> 00:30:51,720
Speaker 3: know specifically in because I didn't know what to look for.

683
00:30:52,160 --> 00:30:54,680
Speaker 1: So you know, that just was like a gut punch,

684
00:30:55,080 --> 00:30:56,840
Speaker 1: and I'm just like, I honestly don't know what you're

685
00:30:56,840 --> 00:30:59,640
Speaker 1: supposed to do. Actually, like I was in contact with

686
00:30:59,640 --> 00:31:01,680
Speaker 1: a being, I'm going to like reach back out to

687
00:31:01,680 --> 00:31:03,680
Speaker 1: her so we can do a Facebook Love Instagram live.

688
00:31:03,720 --> 00:31:05,440
Speaker 3: It was so busy at that time because they.

689
00:31:05,360 --> 00:31:09,240
Speaker 1: Didn't want to Abin is the woman whose house was

690
00:31:09,800 --> 00:31:12,600
Speaker 1: the New York time. We had been instagramming and she's,

691
00:31:12,640 --> 00:31:14,120
Speaker 1: oh my god, I love what shed dow Tiffany, and

692
00:31:14,160 --> 00:31:16,400
Speaker 1: so we were supposed to do an ig live a

693
00:31:16,440 --> 00:31:18,400
Speaker 1: few weeks ago. It just got to be too busy

694
00:31:18,440 --> 00:31:19,800
Speaker 1: for me. But I want to do one because I

695
00:31:19,800 --> 00:31:21,960
Speaker 1: want her to not only share her story, but to

696
00:31:22,080 --> 00:31:25,600
Speaker 1: share what is it that she did? Like what can

697
00:31:25,640 --> 00:31:29,080
Speaker 1: you do when that happens? Because you know, it's one

698
00:31:29,080 --> 00:31:31,719
Speaker 1: thing to be angry. So, as y'all know, I decided

699
00:31:31,760 --> 00:31:33,959
Speaker 1: not to not to refinance my house and do her

700
00:31:33,960 --> 00:31:36,880
Speaker 1: cash out. But it's one thing to be angry, it's

701
00:31:36,880 --> 00:31:38,600
Speaker 1: another thing to be like, so what do I do

702
00:31:38,640 --> 00:31:39,480
Speaker 1: when that happens?

703
00:31:39,600 --> 00:31:41,080
Speaker 3: You know, what do I do?

704
00:31:41,360 --> 00:31:44,080
Speaker 2: In her case? I mean, she she swapped out all

705
00:31:44,080 --> 00:31:47,080
Speaker 2: the photos and she left with her son right and

706
00:31:47,280 --> 00:31:51,040
Speaker 2: her white husband was there with and I mean, Tiff,

707
00:31:51,120 --> 00:31:53,440
Speaker 2: you got the appraisal. So that was a bank that

708
00:31:53,560 --> 00:31:55,000
Speaker 2: you're the bank that you were going to refinance. I

709
00:31:55,040 --> 00:31:56,400
Speaker 2: know you didn't end up doing it, but they sent

710
00:31:56,440 --> 00:31:57,360
Speaker 2: the appraiser out there.

711
00:31:57,880 --> 00:32:00,200
Speaker 1: Yeah, the banks send here. But you can't just get like, say, hey,

712
00:32:00,200 --> 00:32:03,120
Speaker 1: this is my appraisal. Guy, take his word for it,

713
00:32:03,160 --> 00:32:06,040
Speaker 1: because the bank is basically like, this is my investment.

714
00:32:06,480 --> 00:32:09,520
Speaker 1: I want my person to come or whoever it is,

715
00:32:09,560 --> 00:32:12,160
Speaker 1: to do an appraisal of the house, you know, because

716
00:32:12,360 --> 00:32:13,880
Speaker 1: they don't want obviously they don't want it to be

717
00:32:13,880 --> 00:32:17,600
Speaker 1: inflated either. But so you can always go back to

718
00:32:17,600 --> 00:32:19,600
Speaker 1: the bank and say, hey, I don't think this is fair.

719
00:32:19,760 --> 00:32:22,680
Speaker 1: But here's the thing. I don't I never heard of

720
00:32:22,760 --> 00:32:25,720
Speaker 1: C two, C three. I didn't, you know what I mean, Like,

721
00:32:25,800 --> 00:32:30,440
Speaker 1: I didn't. I didn't know the ways that people could

722
00:32:30,960 --> 00:32:34,600
Speaker 1: appraise your house for less. It's just so disheartening, you know,

723
00:32:34,800 --> 00:32:36,760
Speaker 1: that's not It's the reason why I didn't be financed.

724
00:32:36,760 --> 00:32:39,040
Speaker 1: I was like, you know what, forget this, I'm not

725
00:32:39,080 --> 00:32:40,840
Speaker 1: doing it. You know, I'll just keep the money in

726
00:32:40,880 --> 00:32:42,720
Speaker 1: the house and have no mortgage like we've been having.

727
00:32:42,920 --> 00:32:45,920
Speaker 1: It was really disheartened because I was like, what, like, yo,

728
00:32:46,080 --> 00:32:47,600
Speaker 1: I bought this house for one eighty. I put one

729
00:32:47,600 --> 00:32:49,640
Speaker 1: eighty into it. How are you telling me it's worth

730
00:32:50,160 --> 00:32:53,720
Speaker 1: you know, three ninety. That's no, it's not. It was

731
00:32:53,760 --> 00:32:57,240
Speaker 1: worth three something when we before we renovated it, Like

732
00:32:57,440 --> 00:32:58,840
Speaker 1: it was that was you know what I mean, Like,

733
00:32:58,840 --> 00:33:00,680
Speaker 1: that's what it was worth. That's what it was. Like

734
00:33:00,720 --> 00:33:02,840
Speaker 1: the market said it was worth it. I'm like, and

735
00:33:02,920 --> 00:33:04,640
Speaker 1: especially during times like now.

736
00:33:04,920 --> 00:33:06,520
Speaker 3: So it was just really.

737
00:33:08,120 --> 00:33:10,680
Speaker 1: Yeah, disheartening to be like you would come to my

738
00:33:10,720 --> 00:33:12,320
Speaker 1: house talk about how nice it was. But I could

739
00:33:12,360 --> 00:33:14,120
Speaker 1: tell that there was a sense of like, you guys

740
00:33:14,160 --> 00:33:17,360
Speaker 1: live here. It's just like I said, it's just really frustrated.

741
00:33:17,360 --> 00:33:18,560
Speaker 1: But I just wanted to give you guys that update

742
00:33:18,560 --> 00:33:20,160
Speaker 1: because a bunch of you taged me in the article

743
00:33:20,200 --> 00:33:22,600
Speaker 1: Liketivity was talking about it. So hopefully I also do

744
00:33:22,720 --> 00:33:25,200
Speaker 1: like I said, alive with Abina. It's just been so crazy.

745
00:33:25,200 --> 00:33:28,000
Speaker 1: I wish I had done it earlier, but whatever, maybe

746
00:33:28,000 --> 00:33:30,680
Speaker 1: now is a good time, now that the Times article

747
00:33:30,680 --> 00:33:32,800
Speaker 1: has come out, and so people can just hear from

748
00:33:32,800 --> 00:33:35,200
Speaker 1: someone that has happened to and you know what she

749
00:33:35,320 --> 00:33:39,800
Speaker 1: did and what she did to basically get that, you know,

750
00:33:39,920 --> 00:33:44,000
Speaker 1: get a reversal of that unfair racist appraisal.

751
00:33:44,240 --> 00:33:47,720
Speaker 2: So I'm one hundred percent listening with open ears. Or

752
00:33:47,880 --> 00:33:50,320
Speaker 2: we bought our home and I always call it this

753
00:33:50,360 --> 00:33:52,600
Speaker 2: little hidden gem, but I understand a lot of people

754
00:33:52,600 --> 00:33:55,200
Speaker 2: would't consider my neighborhood hiden gem in the suburbs because

755
00:33:55,480 --> 00:33:57,440
Speaker 2: typically you think about the suburbs outside of New York

756
00:33:57,480 --> 00:34:00,160
Speaker 2: and you think of wealthy white people. Our neighborhood it

757
00:34:00,200 --> 00:34:02,240
Speaker 2: is this. I consider it a hit and gym because

758
00:34:02,280 --> 00:34:05,400
Speaker 2: it is a lot of black, working class families. This

759
00:34:05,440 --> 00:34:09,279
Speaker 2: neighborhood was founded right after World War Two, and you

760
00:34:09,760 --> 00:34:13,440
Speaker 2: feel like this is like this little oasis where black

761
00:34:13,480 --> 00:34:16,640
Speaker 2: people were able to afford a home and start a

762
00:34:16,680 --> 00:34:19,120
Speaker 2: life and have families. And it feels like the you know,

763
00:34:19,200 --> 00:34:21,520
Speaker 2: the type of neighborhood that you don't see too often.

764
00:34:22,000 --> 00:34:24,840
Speaker 2: And at the same time, we found a fixer up

765
00:34:24,880 --> 00:34:28,799
Speaker 2: here had a really good deal. And I worry that

766
00:34:29,360 --> 00:34:31,359
Speaker 2: the neighborhood that we're in, we're in we're in one

767
00:34:31,400 --> 00:34:34,160
Speaker 2: of the top rated school districts, you know, within all

768
00:34:34,200 --> 00:34:36,440
Speaker 2: the amenities and all that thing, but when you look

769
00:34:36,480 --> 00:34:39,960
Speaker 2: on Zillo, the homes in this neighborhood are routinely like

770
00:34:40,160 --> 00:34:42,880
Speaker 2: way less than what you see even just like a

771
00:34:42,880 --> 00:34:46,640
Speaker 2: block or two away in different neighborhoods. And I'm in

772
00:34:46,680 --> 00:34:50,160
Speaker 2: a mom's Facebook group on Facebook, a mom's of my

773
00:34:50,440 --> 00:34:52,960
Speaker 2: you know, my county and on Facebook, and there was

774
00:34:53,000 --> 00:34:55,799
Speaker 2: someone kind of talking about looking for a home at

775
00:34:55,840 --> 00:34:58,400
Speaker 2: an affordable price and she can't find any. And I

776
00:34:58,480 --> 00:35:00,560
Speaker 2: was like, well, look out our neighborhood. And as I

777
00:35:00,640 --> 00:35:02,520
Speaker 2: was saying, and I'm like, wait, why are the homes

778
00:35:02,560 --> 00:35:05,560
Speaker 2: here so much more affordable? I know there's a lot

779
00:35:05,560 --> 00:35:09,160
Speaker 2: of fixer uppers, but yeah, so I'm thinking about that,

780
00:35:09,200 --> 00:35:10,680
Speaker 2: and I am sure as hell will be thinking about

781
00:35:10,680 --> 00:35:13,000
Speaker 2: it if we ever decide to sell or get an

782
00:35:13,040 --> 00:35:17,000
Speaker 2: appraisal in the future, because this, you know, we we

783
00:35:17,120 --> 00:35:18,640
Speaker 2: have to stand up and ask for more. And I

784
00:35:18,640 --> 00:35:21,960
Speaker 2: almost want to get local officials involved too, you know,

785
00:35:22,680 --> 00:35:25,400
Speaker 2: there's got to be you know, whatever you know, organization

786
00:35:25,480 --> 00:35:30,480
Speaker 2: maybe regulates appraisals or you know, the town councilmen who

787
00:35:30,560 --> 00:35:34,680
Speaker 2: who should be you know, concerned about you know, citizens

788
00:35:34,680 --> 00:35:37,240
Speaker 2: and our property values and all that. Like, I feel

789
00:35:37,280 --> 00:35:40,160
Speaker 2: like there's a conversation to be had, and I'm glad

790
00:35:40,200 --> 00:35:43,359
Speaker 2: that through all this mess, people are open to hearing it,

791
00:35:43,400 --> 00:35:46,960
Speaker 2: because I think what's fundamentally changed is the conversation where

792
00:35:46,960 --> 00:35:49,520
Speaker 2: people are willing to under willing to understand and accept

793
00:35:49,960 --> 00:35:52,360
Speaker 2: that someone can be discriminated against on the basis of

794
00:35:52,400 --> 00:35:54,560
Speaker 2: their skin, you know, for the value of their home.

795
00:35:55,800 --> 00:35:58,399
Speaker 2: Because it's so hard to prove sometimes and people don't

796
00:35:58,400 --> 00:36:00,399
Speaker 2: want to hear it. And I'm so glad people willing

797
00:36:00,440 --> 00:36:01,399
Speaker 2: to listen and hear that now.

798
00:36:01,480 --> 00:36:03,839
Speaker 1: So yes, And I'm glad the Times did a thing

799
00:36:03,880 --> 00:36:05,840
Speaker 1: on it, because you know, people respect the New York Times.

800
00:36:05,960 --> 00:36:08,160
Speaker 2: They do it matters when they write about it, it really

801
00:36:08,480 --> 00:36:12,640
Speaker 2: like legitimizes it for sure. Well, I'm sorry they didn't

802
00:36:12,640 --> 00:36:15,160
Speaker 2: put you in the article, but that I'm glad that

803
00:36:15,160 --> 00:36:18,560
Speaker 2: that reporter you know, shared that with you, because even

804
00:36:18,640 --> 00:36:20,920
Speaker 2: if you didn't need it, at least it still validates

805
00:36:20,920 --> 00:36:21,640
Speaker 2: that feeling of it.

806
00:36:22,400 --> 00:36:23,719
Speaker 1: You know, I'm not gonna lie I remember we talked

807
00:36:23,719 --> 00:36:25,279
Speaker 1: about it and you were like, oh, it's sure, and

808
00:36:25,360 --> 00:36:27,800
Speaker 1: I'm not gonna lie. They was like, ah am I bugging?

809
00:36:27,960 --> 00:36:30,600
Speaker 1: Well maybe it's bugging girl. I know you love your house,

810
00:36:30,640 --> 00:36:32,759
Speaker 1: but maybe it's not that serious. And when she was like,

811
00:36:32,920 --> 00:36:35,759
Speaker 1: uh no, he is someone he's not even at your

812
00:36:35,760 --> 00:36:38,359
Speaker 1: house and he's reading this like mmmm, it's clear they're

813
00:36:38,360 --> 00:36:40,080
Speaker 1: saying all these things are new, new, new, new new.

814
00:36:40,120 --> 00:36:41,520
Speaker 3: Why did they put you in this category?

815
00:36:41,719 --> 00:36:43,960
Speaker 1: And the houses that they have comps, none of those

816
00:36:44,000 --> 00:36:47,360
Speaker 1: are renovated, those are not comparables. It's not comparable to

817
00:36:47,480 --> 00:36:50,279
Speaker 1: your home. And I was just like, wow, this is

818
00:36:50,280 --> 00:36:53,480
Speaker 1: someone who you know. Yeah, I just thought like I

819
00:36:53,600 --> 00:36:56,000
Speaker 1: was just it just made me feel because I hate

820
00:36:56,040 --> 00:36:58,480
Speaker 1: sometimes feeling like oh are you the black person that's

821
00:36:58,520 --> 00:37:02,239
Speaker 1: always sack kind of black things? And it's like, yeah,

822
00:37:02,239 --> 00:37:03,960
Speaker 1: it would be so nice not to have to talk

823
00:37:04,000 --> 00:37:05,840
Speaker 1: about it. Sorry that it is bugging you. I have

824
00:37:05,880 --> 00:37:08,799
Speaker 1: to live it, you know. And so it's like it

825
00:37:08,880 --> 00:37:11,200
Speaker 1: just gave me a validation that I wasn't bugging because

826
00:37:11,200 --> 00:37:13,600
Speaker 1: that's what I felt it and I and I knew it,

827
00:37:13,640 --> 00:37:15,600
Speaker 1: but I didn't know it know it, and to know

828
00:37:15,680 --> 00:37:17,799
Speaker 1: it officially just makes me feel so much better, like

829
00:37:17,840 --> 00:37:20,719
Speaker 1: I'm not bugging, and also too now to know what

830
00:37:20,760 --> 00:37:22,840
Speaker 1: to look for should we ever sell this house, and

831
00:37:22,920 --> 00:37:26,399
Speaker 1: to make sure, like you know, yeah, just to make

832
00:37:26,400 --> 00:37:29,279
Speaker 1: sure that doesn't happen again by by educating myself on

833
00:37:29,320 --> 00:37:31,239
Speaker 1: the process and what we should be looking for, because

834
00:37:31,239 --> 00:37:33,000
Speaker 1: I would love to be able to look at one

835
00:37:33,040 --> 00:37:35,200
Speaker 1: of these appraisals and be like, why don't Why do

836
00:37:35,200 --> 00:37:37,120
Speaker 1: you have C three here instead of C two? Why

837
00:37:37,120 --> 00:37:38,640
Speaker 1: do you have this here instead of that? You know

838
00:37:38,760 --> 00:37:42,239
Speaker 1: these are It's the language that you know. Once you

839
00:37:42,360 --> 00:37:45,520
Speaker 1: learn those things, you know you can when you know different,

840
00:37:45,560 --> 00:37:46,360
Speaker 1: you can do different.

841
00:37:46,360 --> 00:37:47,880
Speaker 2: And they don't want us to know. It's like I

842
00:37:47,960 --> 00:37:50,239
Speaker 2: was saying, they don't. It behooves them for us to

843
00:37:50,320 --> 00:37:53,319
Speaker 2: not understand. That's why this should is so opaque and

844
00:37:53,400 --> 00:37:57,799
Speaker 2: hard to sort through any big financial like around your house,

845
00:37:57,880 --> 00:38:01,200
Speaker 2: like any big any having to do with your home

846
00:38:01,320 --> 00:38:04,239
Speaker 2: is so complex. I mean, we just closed on our refinance.

847
00:38:04,280 --> 00:38:06,080
Speaker 2: In the stack of papers we had to go through,

848
00:38:06,480 --> 00:38:09,240
Speaker 2: and I felt so and I still feel this intense

849
00:38:09,280 --> 00:38:11,640
Speaker 2: pressure to read every single word, and I spent like

850
00:38:11,800 --> 00:38:14,480
Speaker 2: I had several at least half an hour conversations with

851
00:38:14,520 --> 00:38:17,040
Speaker 2: our loan officer. Over those six weeks, six to eight weeks,

852
00:38:17,040 --> 00:38:20,759
Speaker 2: it took and even me like being in this, being

853
00:38:20,800 --> 00:38:22,799
Speaker 2: this industry, you know, managing a team whose job it

854
00:38:22,840 --> 00:38:25,200
Speaker 2: is to write about mortgages and how to get them

855
00:38:25,239 --> 00:38:27,680
Speaker 2: and all that, like, I still had tons of questions.

856
00:38:27,719 --> 00:38:31,319
Speaker 2: And you know, it's that it's that extra friction and

857
00:38:31,400 --> 00:38:34,600
Speaker 2: work upfront that they know a lot of people, you know,

858
00:38:34,680 --> 00:38:37,279
Speaker 2: won't feel like they are confident enough to take on.

859
00:38:37,400 --> 00:38:40,520
Speaker 2: But we're here to tell you that it's possible, and

860
00:38:40,920 --> 00:38:43,080
Speaker 2: you know, reach out to anyone who can help you

861
00:38:43,200 --> 00:38:47,839
Speaker 2: or share some knowledge or it's it's it's so it's

862
00:38:47,840 --> 00:38:50,959
Speaker 2: so important. Let me just keep repeating myself. Listen, we're

863
00:38:51,000 --> 00:38:53,080
Speaker 2: forty minutes into this show. Tip, what are we doing?

864
00:38:54,520 --> 00:38:56,759
Speaker 2: I really do we have time? Can we talk? Can

865
00:38:56,800 --> 00:38:58,280
Speaker 2: we take leaders questions?

866
00:38:58,640 --> 00:38:59,440
Speaker 3: Yes, let's see that.

867
00:39:00,640 --> 00:39:03,640
Speaker 2: We have a very special segment for today's questions because

868
00:39:03,880 --> 00:39:06,440
Speaker 2: well it's about starting a podcast. You know, we know

869
00:39:06,480 --> 00:39:08,759
Speaker 2: a thing or two about that. So we are taking

870
00:39:08,760 --> 00:39:11,400
Speaker 2: all y'all's questions on how to start your very own podcast,

871
00:39:11,480 --> 00:39:46,600
Speaker 2: and we will be right back after this break. Okay, y'all,

872
00:39:46,640 --> 00:39:48,959
Speaker 2: we are back. So as you guys know or maybe

873
00:39:49,000 --> 00:39:52,239
Speaker 2: you don't know Tiffany and I Brown Ambition Podcast. We're

874
00:39:52,280 --> 00:39:55,040
Speaker 2: not actually, you know, we're not owned by a network.

875
00:39:55,080 --> 00:39:57,839
Speaker 2: We are independent. My little brother said, I'm the Chance

876
00:39:57,880 --> 00:40:00,120
Speaker 2: the Wrapper of podcasters. I was like a thing, Thank

877
00:40:00,120 --> 00:40:01,680
Speaker 2: you very much, my friend, because you know, Chance the

878
00:40:01,760 --> 00:40:04,440
Speaker 2: Rapper didn't have a label. He was like, he was

879
00:40:04,440 --> 00:40:06,239
Speaker 2: one of the first artists to make a name for

880
00:40:06,320 --> 00:40:08,319
Speaker 2: himself without a label. I think he just published his

881
00:40:08,400 --> 00:40:11,000
Speaker 2: music when on SoundCloud or something, and when he was

882
00:40:11,040 --> 00:40:13,240
Speaker 2: ready to get a label, you know, everyone was coming

883
00:40:13,239 --> 00:40:15,040
Speaker 2: to him and he didn't need him because they were

884
00:40:15,120 --> 00:40:18,600
Speaker 2: he was independent, owned his own shit. We are Yeah.

885
00:40:18,640 --> 00:40:20,520
Speaker 2: So you know there's Chance the Rapper and there's Brown

886
00:40:20,520 --> 00:40:23,839
Speaker 2: Ambition obviously, but yeah, we're independent. We started this show

887
00:40:23,880 --> 00:40:26,799
Speaker 2: five years ago because we just wanted to and I

888
00:40:26,960 --> 00:40:29,080
Speaker 2: just figured it out and we've been figuring it out

889
00:40:29,120 --> 00:40:32,120
Speaker 2: ever since. And I would say we've been successful. If

890
00:40:32,480 --> 00:40:33,080
Speaker 2: how do you feel?

891
00:40:33,200 --> 00:40:35,719
Speaker 1: Yeah, No, I think I mean, first of all, we've

892
00:40:35,719 --> 00:40:37,960
Speaker 1: been consistent in it. We have an amazed what do

893
00:40:38,000 --> 00:40:38,480
Speaker 1: you say.

894
00:40:38,400 --> 00:40:39,920
Speaker 2: We're doing the damn thing I think we do.

895
00:40:40,160 --> 00:40:41,920
Speaker 3: Yeah, we do a pretty amazing audience.

896
00:40:42,440 --> 00:40:44,879
Speaker 1: We Yeah, I just I'm really proud of us because

897
00:40:44,880 --> 00:40:46,719
Speaker 1: it was just literally I remember you being like, we.

898
00:40:46,719 --> 00:40:47,719
Speaker 3: Should do a podcast.

899
00:40:48,160 --> 00:40:51,759
Speaker 2: I was like, yeah, I want to, and y'all who

900
00:40:51,760 --> 00:40:53,600
Speaker 2: told me I can't, So I'm going to do it anyway.

901
00:40:53,600 --> 00:40:54,120
Speaker 2: That's what I.

902
00:40:54,000 --> 00:40:57,160
Speaker 3: Said, because that is so Mandy Well.

903
00:40:57,200 --> 00:40:59,759
Speaker 2: The well, what really has gotten us to talk about

904
00:40:59,800 --> 00:41:01,719
Speaker 2: this is I don't know if you guys I shared

905
00:41:01,719 --> 00:41:04,799
Speaker 2: on my insta last week, but Joe Budden he had

906
00:41:04,840 --> 00:41:08,399
Speaker 2: posted he on his own damn podcast hosted and owned

907
00:41:08,400 --> 00:41:10,799
Speaker 2: by or not owned by partner with Spotify. He's been

908
00:41:10,840 --> 00:41:13,360
Speaker 2: with Spotify guests for his podcast for a few years now,

909
00:41:13,440 --> 00:41:15,000
Speaker 2: a couple of years now, and he was one of

910
00:41:15,000 --> 00:41:19,560
Speaker 2: the first podcasts that Spartify Spartify My God Spotify partnered

911
00:41:19,560 --> 00:41:23,160
Speaker 2: with and he basically made their podcast business. I mean

912
00:41:23,400 --> 00:41:26,239
Speaker 2: they acquired according to his story, you know, millions of

913
00:41:27,520 --> 00:41:30,920
Speaker 2: listeners to their platform through his show and you have

914
00:41:31,000 --> 00:41:32,600
Speaker 2: to go check out his latest episode if you want

915
00:41:32,640 --> 00:41:34,759
Speaker 2: the whole background. But he used his platform to talk

916
00:41:34,760 --> 00:41:37,640
Speaker 2: about why he wasn't renewing his deal with Spotify, and

917
00:41:37,680 --> 00:41:40,920
Speaker 2: he revealed, like you know, some interesting insights about the

918
00:41:40,960 --> 00:41:43,960
Speaker 2: business of podcasting, like the business of podcasting can be

919
00:41:44,000 --> 00:41:46,960
Speaker 2: a little opaque because it's sort of like it's been

920
00:41:47,000 --> 00:41:49,480
Speaker 2: around for a long time, but the business side of it,

921
00:41:49,560 --> 00:41:53,600
Speaker 2: like the money making machine of it, that industry it

922
00:41:53,640 --> 00:41:56,000
Speaker 2: is really you know, I would say, in the last

923
00:41:56,040 --> 00:41:59,040
Speaker 2: like five, you know years or so, it's along with

924
00:41:59,080 --> 00:42:01,400
Speaker 2: our show, they're they're figuring it out, like people are

925
00:42:01,440 --> 00:42:04,279
Speaker 2: figuring out how to make money and for shows like

926
00:42:04,320 --> 00:42:06,960
Speaker 2: Oh or as you were independent you know there, it's

927
00:42:07,040 --> 00:42:09,760
Speaker 2: it's an exciting time to be in the podcast world.

928
00:42:09,800 --> 00:42:12,399
Speaker 2: And I had asked you guys when I was kind

929
00:42:12,400 --> 00:42:15,480
Speaker 2: of commenting on the Joe Button story, what do you like,

930
00:42:15,520 --> 00:42:18,720
Speaker 2: what questions do y'all have about podcasting? Because, like I said, Tiffany,

931
00:42:18,719 --> 00:42:21,680
Speaker 2: I've been doing this ourselves for you know, five years now,

932
00:42:21,840 --> 00:42:24,600
Speaker 2: and I was quite surprised by the number of questions

933
00:42:24,640 --> 00:42:27,200
Speaker 2: we got. So I kind of wanted to dedicate this

934
00:42:27,360 --> 00:42:32,880
Speaker 2: questions segment to you guys this podcast podcast. Okay, well,

935
00:42:32,960 --> 00:42:34,920
Speaker 2: let's dive on in, and you guys can still send

936
00:42:35,000 --> 00:42:37,480
Speaker 2: us questions. I sometimes will respond to them even if

937
00:42:37,480 --> 00:42:40,080
Speaker 2: we don't cover them on the show. Brian Abisson Podcast

938
00:42:40,600 --> 00:42:42,600
Speaker 2: on the gram. You can find us there where you

939
00:42:42,640 --> 00:42:47,480
Speaker 2: can email us directly. Brand Ambisson Podcasts at gmail dot com.

940
00:42:46,400 --> 00:42:51,719
Speaker 2: All right, let's see please did okay? So here I'm

941
00:42:51,719 --> 00:42:54,000
Speaker 2: gonna I'm gonna use Insta handles. I hope y'all don't mind.

942
00:42:54,040 --> 00:42:56,719
Speaker 2: All right. So Insta user Aqim says, how do you

943
00:42:56,760 --> 00:43:00,520
Speaker 2: get your podcast on iTunes in the first place? All right?

944
00:43:00,560 --> 00:43:03,560
Speaker 2: So I do the techy stuff, so I'll answer that one.

945
00:43:05,680 --> 00:43:06,200
Speaker 3: I don't know.

946
00:43:06,760 --> 00:43:08,760
Speaker 2: Are you curious how we got our podcast on iTunes?

947
00:43:08,800 --> 00:43:10,319
Speaker 2: It was very stressful for me because I was trying

948
00:43:10,360 --> 00:43:13,080
Speaker 2: to figure it out, you know, way back when basically,

949
00:43:13,160 --> 00:43:15,200
Speaker 2: and I'm going to include some show notes for you

950
00:43:15,239 --> 00:43:17,640
Speaker 2: guys with some resources. I'm putting together a little Google

951
00:43:17,680 --> 00:43:21,000
Speaker 2: doc of resources. But iTunes and Spotify, you know, this

952
00:43:21,080 --> 00:43:23,239
Speaker 2: wasn't around when we were first starting. But now you

953
00:43:23,320 --> 00:43:27,680
Speaker 2: have Spotify, you have Stitcher, you have Google Podcasts. They

954
00:43:27,719 --> 00:43:31,080
Speaker 2: all have a podcasters platform. And there's a link I

955
00:43:31,120 --> 00:43:33,719
Speaker 2: can put for the Apple one. And the first thing

956
00:43:33,760 --> 00:43:35,560
Speaker 2: before you even submit your show to iTunes is you

957
00:43:35,560 --> 00:43:37,920
Speaker 2: need to one create a show, and then two you

958
00:43:37,960 --> 00:43:40,719
Speaker 2: need to find a host for your show. And the

959
00:43:40,760 --> 00:43:43,080
Speaker 2: host that I chose five years ago, we're on a

960
00:43:43,120 --> 00:43:45,400
Speaker 2: different host now, but back then and this host is

961
00:43:45,440 --> 00:43:48,480
Speaker 2: still around. They're still great, very popular, They're called Lisbon

962
00:43:48,920 --> 00:43:51,359
Speaker 2: L s b y N And I think, I think,

963
00:43:51,400 --> 00:43:53,319
Speaker 2: what if we pay like five or fifteen dollars a

964
00:43:53,320 --> 00:43:56,000
Speaker 2: month to host our show on Libsyn and what that

965
00:43:56,080 --> 00:43:59,160
Speaker 2: did for me? So Libson would distribute the podcast. I

966
00:43:59,160 --> 00:44:01,799
Speaker 2: would upload the audio and I would click publish or

967
00:44:01,800 --> 00:44:04,680
Speaker 2: whatever magical button it was, and they would send it

968
00:44:04,719 --> 00:44:08,360
Speaker 2: on to the podcast echo sphere or whatever and it

969
00:44:08,360 --> 00:44:12,080
Speaker 2: would end up on iTunes and SoundCloud, et cetera. How

970
00:44:12,080 --> 00:44:15,440
Speaker 2: I did that was once you have a host, you

971
00:44:15,520 --> 00:44:19,359
Speaker 2: get an RSS feed. Remember RSS feeds like Google Reader.

972
00:44:19,480 --> 00:44:21,640
Speaker 1: Oh I remember having on my first little blog, my

973
00:44:21,960 --> 00:44:23,040
Speaker 1: blog or blog.

974
00:44:22,880 --> 00:44:25,680
Speaker 2: Yeah, blogger. They still do that for podcasting. So you

975
00:44:25,719 --> 00:44:28,520
Speaker 2: get your own RSS feed and it's just a URL

976
00:44:28,640 --> 00:44:31,799
Speaker 2: and you copy paste it into iTunes. And at the time,

977
00:44:31,840 --> 00:44:33,200
Speaker 2: I don't know if they still do this. At the time,

978
00:44:33,239 --> 00:44:34,960
Speaker 2: I had to wait to see if I was going

979
00:44:35,000 --> 00:44:37,520
Speaker 2: to get approved. And I remember what was funny is

980
00:44:37,560 --> 00:44:39,400
Speaker 2: like I don't know if you remember this, Tiffany, but

981
00:44:39,480 --> 00:44:41,960
Speaker 2: we had decided we were going to launch September fifteenth.

982
00:44:42,080 --> 00:44:44,880
Speaker 2: It was like a Tuesday, and I didn't realize I

983
00:44:44,920 --> 00:44:48,120
Speaker 2: had to wait to get the show approved. So when

984
00:44:48,120 --> 00:44:50,880
Speaker 2: we like put out the event bright like, we started

985
00:44:50,920 --> 00:44:53,439
Speaker 2: promoting it. It's gonna be here, it's knew. Our first

986
00:44:53,480 --> 00:44:56,040
Speaker 2: episode was dropping September fifteenth. And then I remember being

987
00:44:56,080 --> 00:44:58,799
Speaker 2: on my couch and my my stomach falling out, being like,

988
00:44:58,880 --> 00:45:02,000
Speaker 2: oh what it was maybe a week or two before

989
00:45:02,440 --> 00:45:05,160
Speaker 2: that date, and that the Apple had not gotten back

990
00:45:05,160 --> 00:45:07,400
Speaker 2: to me, you know, saying our show had been approved

991
00:45:07,560 --> 00:45:10,560
Speaker 2: the day before that day, you know, the day before

992
00:45:10,600 --> 00:45:14,520
Speaker 2: we had advertised they approved it, and I was sweating bullets. Meanwhile,

993
00:45:14,560 --> 00:45:17,000
Speaker 2: like what we had like five listeners, but I was

994
00:45:17,040 --> 00:45:21,040
Speaker 2: sweating bullets. But yeah, that's the in a nutshell, how

995
00:45:21,040 --> 00:45:23,320
Speaker 2: to get your show on iTunes. Go find a host first,

996
00:45:23,360 --> 00:45:26,480
Speaker 2: and then create an RSS feed and submit it not

997
00:45:26,560 --> 00:45:29,280
Speaker 2: just to iTunes but Spotify and Stitcher and all the

998
00:45:29,360 --> 00:45:30,600
Speaker 2: you know big platforms today.

999
00:45:31,600 --> 00:45:34,200
Speaker 3: See that was a good one. Now I learned something.

1000
00:45:35,320 --> 00:45:38,759
Speaker 2: Uh, Instagram user Katie says, how much of your conversation

1001
00:45:38,880 --> 00:45:43,560
Speaker 2: gets edited out of a podcast? Like none?

1002
00:45:45,520 --> 00:45:50,480
Speaker 3: Want let me say something which is rare, right, very rare.

1003
00:45:50,560 --> 00:45:52,160
Speaker 2: I will say, you know now that we have an

1004
00:45:52,280 --> 00:45:56,520
Speaker 2: editor CALLI is editing our show. Now I don't. I

1005
00:45:56,520 --> 00:46:00,279
Speaker 2: don't micromanage that at all. You know, sometimes I think

1006
00:46:00,320 --> 00:46:03,759
Speaker 2: maybe one time I asked them to take something out

1007
00:46:03,760 --> 00:46:06,480
Speaker 2: of the show, and I can't remember what it was.

1008
00:46:06,520 --> 00:46:09,799
Speaker 2: It was something that was inaccurate and just I knew

1009
00:46:09,920 --> 00:46:13,040
Speaker 2: the show could do without it Prior to that. I'm

1010
00:46:13,040 --> 00:46:15,120
Speaker 2: not gonna lie, you know I was. I don't. I

1011
00:46:15,120 --> 00:46:19,240
Speaker 2: don't even know how, like how picky Kelly is about

1012
00:46:19,400 --> 00:46:21,640
Speaker 2: ums and likes and that kind of stuff. But I

1013
00:46:21,680 --> 00:46:24,200
Speaker 2: do remember early when we first started recording, I was

1014
00:46:24,200 --> 00:46:26,680
Speaker 2: doing all the editing, and I would take out any

1015
00:46:26,840 --> 00:46:29,759
Speaker 2: ums or likes that tiff and I would say Tiffany says,

1016
00:46:29,800 --> 00:46:32,160
Speaker 2: so a lot I used to take off yours. So

1017
00:46:33,040 --> 00:46:34,840
Speaker 2: it used to bother me, But like, I don't care anymore.

1018
00:46:34,880 --> 00:46:36,160
Speaker 2: Maybe we're just I just accepted.

1019
00:46:36,200 --> 00:46:38,320
Speaker 3: That's my transition word same.

1020
00:46:39,680 --> 00:46:41,600
Speaker 1: Sometimes you don't even realize that you say things like

1021
00:46:41,640 --> 00:46:45,239
Speaker 1: a lot and you're like oh, or like when am

1022
00:46:45,280 --> 00:46:47,719
Speaker 1: I get this? With my friend Cabral, whenever he's really

1023
00:46:47,719 --> 00:46:58,520
Speaker 1: into a conversation, he says like, okay, okay.

1024
00:46:52,880 --> 00:46:57,560
Speaker 2: I mean as a listener, those things might get great

1025
00:46:57,600 --> 00:46:58,080
Speaker 2: on people.

1026
00:46:58,680 --> 00:47:02,759
Speaker 1: Yes, yeah, yeah, I mean look like so look look

1027
00:47:02,800 --> 00:47:05,680
Speaker 1: and now now I'm conscious, I'm like, oh, I say sorry.

1028
00:47:05,400 --> 00:47:08,560
Speaker 2: No, Well it never stopped hasn't stopped you in five years.

1029
00:47:08,600 --> 00:47:09,479
Speaker 3: Don't worry. No, it hasn't.

1030
00:47:09,560 --> 00:47:11,640
Speaker 1: It's because I'm gonna be like, oh man, and then

1031
00:47:11,719 --> 00:47:12,719
Speaker 1: I'm gonna be right back at it.

1032
00:47:12,760 --> 00:47:16,440
Speaker 2: So look, there you go, there you go. Well, the

1033
00:47:16,480 --> 00:47:18,480
Speaker 2: thing is tip. I will say one one thing that

1034
00:47:18,480 --> 00:47:21,160
Speaker 2: TIF always jokes about is she sometimes repeats herself and

1035
00:47:21,239 --> 00:47:23,719
Speaker 2: tells the same story. Yes, there has been. I'm going

1036
00:47:23,800 --> 00:47:26,840
Speaker 2: to reveal it to Tiffany now. I have gone and

1037
00:47:27,040 --> 00:47:30,319
Speaker 2: edited out repeat stories. If I knew you had said

1038
00:47:30,320 --> 00:47:31,600
Speaker 2: it on a recent podcast.

1039
00:47:31,840 --> 00:47:34,320
Speaker 3: Yeah, because I don't remember anything.

1040
00:47:34,680 --> 00:47:36,719
Speaker 2: And that'll be like a fifteen minute segment and I'm

1041
00:47:36,760 --> 00:47:39,040
Speaker 2: fifteen minute rant and I'm like, mm hmmm, hmmm.

1042
00:47:41,360 --> 00:47:43,560
Speaker 3: I don't mind because everyone knows that.

1043
00:47:43,640 --> 00:47:45,839
Speaker 1: I'm like, I really get it for my she get

1044
00:47:45,880 --> 00:47:48,719
Speaker 1: it for my daddy, Like that's my father. Like I

1045
00:47:48,880 --> 00:47:50,839
Speaker 1: just I mean, since I was like in second grade,

1046
00:47:50,880 --> 00:47:53,600
Speaker 1: I'm like, what happened yesterday? My memory has always been

1047
00:47:53,640 --> 00:47:56,520
Speaker 1: like huh, testy at best. So I will tell you

1048
00:47:56,520 --> 00:47:58,480
Speaker 1: a full flood story. You're like, you literally told me

1049
00:47:58,480 --> 00:48:01,040
Speaker 1: this yesterday. I'm like, dy, why do you look to tell.

1050
00:48:00,920 --> 00:48:03,040
Speaker 3: The whole story again? So I'm just saying all that

1051
00:48:03,080 --> 00:48:03,759
Speaker 3: to say that I don't.

1052
00:48:03,800 --> 00:48:05,959
Speaker 1: I'm not saying sid about it because I know it's

1053
00:48:05,960 --> 00:48:08,480
Speaker 1: a it's a thing that I do. I think it's funny,

1054
00:48:08,480 --> 00:48:11,399
Speaker 1: and I don't mind people being like, heard it. Yeah,

1055
00:48:12,239 --> 00:48:14,759
Speaker 1: you don't have to let me rent fifteen minutes. You

1056
00:48:14,760 --> 00:48:16,399
Speaker 1: can be like, girl, you told us this last week?

1057
00:48:16,400 --> 00:48:18,400
Speaker 1: Are you told us this last year? Because I know

1058
00:48:18,520 --> 00:48:19,919
Speaker 1: I will not remember well.

1059
00:48:19,960 --> 00:48:21,719
Speaker 2: I think of our conversation as kind of like an

1060
00:48:21,719 --> 00:48:24,080
Speaker 2: improv because we don't really plan things. Maybe we'll have

1061
00:48:24,160 --> 00:48:26,080
Speaker 2: a couple of quick minutes before the show. We'll be like,

1062
00:48:26,120 --> 00:48:27,520
Speaker 2: I want to talk about this, We talk about that,

1063
00:48:27,640 --> 00:48:30,080
Speaker 2: and then hey, we spend forty minutes talking about other stuff.

1064
00:48:30,960 --> 00:48:32,919
Speaker 2: I think that's part of the you know what works

1065
00:48:32,960 --> 00:48:36,040
Speaker 2: about the show, and part of that improv style. And

1066
00:48:36,080 --> 00:48:37,879
Speaker 2: if you do, if you're considering doing a chat show

1067
00:48:37,920 --> 00:48:41,120
Speaker 2: like ours, I really consider like, in order to keep

1068
00:48:41,120 --> 00:48:43,640
Speaker 2: a conversation moving, I need to be listening to what

1069
00:48:43,680 --> 00:48:46,960
Speaker 2: Tiffany is saying, engaging with it. I can't be like multitasking,

1070
00:48:47,440 --> 00:48:50,480
Speaker 2: reading email, checking install whatever, because I'm not going to

1071
00:48:50,560 --> 00:48:53,120
Speaker 2: be able to keep her going. And like you know,

1072
00:48:53,239 --> 00:48:55,080
Speaker 2: I try and think of questions I can answert or

1073
00:48:55,120 --> 00:48:57,920
Speaker 2: ways to you know, if she needs to be amped up,

1074
00:48:57,960 --> 00:49:00,640
Speaker 2: like ways to get her to laugh or I don't know.

1075
00:49:00,640 --> 00:49:02,399
Speaker 2: I'm always trying to think of something witty to say

1076
00:49:02,480 --> 00:49:05,040
Speaker 2: so we can, like if something's really getting heavy, something

1077
00:49:05,080 --> 00:49:07,160
Speaker 2: I can say to like lighten the mood and yeah,

1078
00:49:07,200 --> 00:49:09,719
Speaker 2: so I let you go and whatever. I would rather

1079
00:49:09,760 --> 00:49:12,719
Speaker 2: not take you out of that, you know, take you

1080
00:49:12,719 --> 00:49:15,239
Speaker 2: out of your zone, like it's jarring when someone's like hey,

1081
00:49:15,880 --> 00:49:17,759
Speaker 2: even if I said it really nice, it would still bother.

1082
00:49:17,800 --> 00:49:19,640
Speaker 2: I feel like it would still be like really just

1083
00:49:19,760 --> 00:49:22,279
Speaker 2: you know, let me go. And I used to have

1084
00:49:22,320 --> 00:49:23,799
Speaker 2: all the time in the world to edit shows, but

1085
00:49:23,840 --> 00:49:28,080
Speaker 2: not anymore. Speaking of time, Instagram user, how do you

1086
00:49:28,080 --> 00:49:30,479
Speaker 2: say this? Narvar Rudd says how much of a time

1087
00:49:30,480 --> 00:49:32,240
Speaker 2: commitment is your show?

1088
00:49:35,719 --> 00:49:36,480
Speaker 3: Wow?

1089
00:49:37,040 --> 00:49:40,319
Speaker 1: I would say, I mean, so we tape once a

1090
00:49:40,360 --> 00:49:43,239
Speaker 1: week and taping depending if we have ads, and things

1091
00:49:43,280 --> 00:49:45,839
Speaker 1: can go anywhere from hour and a half to.

1092
00:49:45,880 --> 00:49:47,160
Speaker 3: Like three hours max.

1093
00:49:48,000 --> 00:49:50,839
Speaker 1: But there's also so what I've done now after five

1094
00:49:50,920 --> 00:49:53,640
Speaker 1: years of manly asking that as things happen during the week,

1095
00:49:53,680 --> 00:49:56,040
Speaker 1: I'd like keep notes from myself so I know, like

1096
00:49:56,200 --> 00:49:58,040
Speaker 1: things to talk about for the show versus just like

1097
00:49:58,120 --> 00:50:00,640
Speaker 1: super off the cuff, so I do that, so, but

1098
00:50:00,680 --> 00:50:02,920
Speaker 1: that doesn't I wouldn't. That doesn't really add up to

1099
00:50:03,040 --> 00:50:07,160
Speaker 1: like hours, but then editings. I don't know, Mandy, on average,

1100
00:50:07,239 --> 00:50:08,879
Speaker 1: how long did it used to take you to edit

1101
00:50:08,880 --> 00:50:11,200
Speaker 1: the show? For those who those who might still self edit.

1102
00:50:11,840 --> 00:50:14,640
Speaker 2: That's an actual question from one of ours, one of

1103
00:50:15,400 --> 00:50:18,600
Speaker 2: our Instagram follower Cherish your health, that how long would

1104
00:50:18,640 --> 00:50:20,919
Speaker 2: it take to take you to edit and upload each show?

1105
00:50:21,480 --> 00:50:23,600
Speaker 2: Let's see, I mean, like I said, I have Tiffany

1106
00:50:23,600 --> 00:50:25,960
Speaker 2: and I show is pretty straightforward. We talked to each other.

1107
00:50:26,040 --> 00:50:28,279
Speaker 2: We have three segments, as you guys know, which we've

1108
00:50:28,360 --> 00:50:30,759
Speaker 2: kind of fine tuned over the years, and it ended up,

1109
00:50:30,920 --> 00:50:33,120
Speaker 2: you know, being the segments that they are. It's not

1110
00:50:33,200 --> 00:50:35,680
Speaker 2: that difficult as long as I'm good about back when

1111
00:50:35,680 --> 00:50:38,160
Speaker 2: I was editing, as long as I'm good about notating.

1112
00:50:38,560 --> 00:50:40,640
Speaker 2: You know, when Superman would open a door and I

1113
00:50:40,640 --> 00:50:43,000
Speaker 2: would have to you know, edit the squeak and the

1114
00:50:43,200 --> 00:50:46,480
Speaker 2: little muffled conversation out, or you know, when one of

1115
00:50:46,560 --> 00:50:49,040
Speaker 2: us had audio issues or a car went by or

1116
00:50:49,040 --> 00:50:51,120
Speaker 2: sirens or whatnot. As long as I would just mark

1117
00:50:51,160 --> 00:50:54,080
Speaker 2: the timestamps, I could really quickly, like by the I

1118
00:50:54,080 --> 00:50:57,319
Speaker 2: mean up I was editing the show, you know, even

1119
00:50:57,360 --> 00:50:58,960
Speaker 2: after having the baby, and I could do it in

1120
00:50:59,040 --> 00:51:01,200
Speaker 2: like half an hour. And that's for about a forty

1121
00:51:01,200 --> 00:51:04,000
Speaker 2: five minute to an hour podcast because obviously I just

1122
00:51:04,040 --> 00:51:06,160
Speaker 2: had the conversation, so I pretty much knew what I

1123
00:51:06,160 --> 00:51:08,799
Speaker 2: wanted to cut. And I always and I think, if

1124
00:51:08,840 --> 00:51:11,799
Speaker 2: you're editing a podcast like a chat show, it's for me.

1125
00:51:11,880 --> 00:51:14,160
Speaker 2: The key was to edit immediately after the show while

1126
00:51:14,160 --> 00:51:16,880
Speaker 2: it's still fresh in your mind, because you will forget

1127
00:51:16,920 --> 00:51:19,520
Speaker 2: certain things and yeah, like listen, if I had to

1128
00:51:19,520 --> 00:51:22,120
Speaker 2: go and listen to every second of the show over again,

1129
00:51:22,600 --> 00:51:24,799
Speaker 2: then that would just take additional time. And I was

1130
00:51:25,200 --> 00:51:27,239
Speaker 2: once I had moved to the Suburbs two a couple

1131
00:51:27,280 --> 00:51:29,400
Speaker 2: of years ago, I had a forty minute commute and

1132
00:51:29,440 --> 00:51:31,799
Speaker 2: my goal was to finish editing the podcast before I

1133
00:51:31,840 --> 00:51:34,920
Speaker 2: got home. And I usually could do that. Yeah, so

1134
00:51:35,040 --> 00:51:35,400
Speaker 2: you did it.

1135
00:51:35,440 --> 00:51:36,960
Speaker 3: I didn't know you used to do it on a subway.

1136
00:51:37,160 --> 00:51:39,640
Speaker 2: Yeah, on the train. Because I edit using garage Band,

1137
00:51:39,680 --> 00:51:42,160
Speaker 2: which is a free software you get with any Mac computer,

1138
00:51:42,320 --> 00:51:44,680
Speaker 2: and garage Band you don't need the Internet for so

1139
00:51:44,880 --> 00:51:47,840
Speaker 2: as long as I put everything in garage Band, I

1140
00:51:48,040 --> 00:51:50,200
Speaker 2: could edit it from the show. The only thing I

1141
00:51:50,200 --> 00:51:54,040
Speaker 2: couldn't do was upload it to our our podcast site

1142
00:51:54,080 --> 00:51:55,600
Speaker 2: libs in at the time, and now we use something

1143
00:51:55,600 --> 00:51:58,040
Speaker 2: called megaphone, So that part I would just do at home,

1144
00:51:58,080 --> 00:51:59,839
Speaker 2: but all the editing you can do that anywhere.

1145
00:52:00,239 --> 00:52:04,080
Speaker 3: Look show I'm learning obviously. Look I'm a listener, like really.

1146
00:52:05,360 --> 00:52:10,880
Speaker 2: Yeah, because Tiffany's Tiffany is the cheese talent. I always

1147
00:52:10,880 --> 00:52:14,600
Speaker 2: tell you guys like this is like me.

1148
00:52:14,600 --> 00:52:16,320
Speaker 3: I'm like, I just show up and I'm like, where

1149
00:52:16,320 --> 00:52:18,000
Speaker 3: do I have to stand? I'm the groom.

1150
00:52:18,440 --> 00:52:20,520
Speaker 2: But that's what works for us. I learn the control freak.

1151
00:52:20,600 --> 00:52:23,440
Speaker 2: I like techie stuff. I like to learn skills. So

1152
00:52:23,440 --> 00:52:25,600
Speaker 2: it just it just we didn't have this big conversation

1153
00:52:26,000 --> 00:52:28,160
Speaker 2: first of all, if I I also know Tiffany, and

1154
00:52:28,200 --> 00:52:29,799
Speaker 2: I think that was a good balance. Like I wasn't

1155
00:52:29,840 --> 00:52:31,920
Speaker 2: going to say, hey, you're building your own business, Hey

1156
00:52:31,960 --> 00:52:34,719
Speaker 2: you want to learn how to end of the podcast too. No,

1157
00:52:35,840 --> 00:52:38,880
Speaker 2: and I think we've always just made it work according

1158
00:52:38,880 --> 00:52:42,080
Speaker 2: to where we were. Someone asked, how much did you

1159
00:52:42,120 --> 00:52:44,719
Speaker 2: pay to start your podcast? Very little?

1160
00:52:45,640 --> 00:52:50,200
Speaker 3: Yeah, because we paid so we got pictures taken Taneta

1161
00:52:50,239 --> 00:52:51,000
Speaker 3: took our pictures.

1162
00:52:51,080 --> 00:52:53,480
Speaker 2: Yeah, how much for you didn't even need a picture.

1163
00:52:53,560 --> 00:52:55,319
Speaker 2: A lot of podcasts just have a logo which you

1164
00:52:55,320 --> 00:52:57,640
Speaker 2: can do yourself, like in Canva or something. But we

1165
00:52:57,840 --> 00:53:01,880
Speaker 2: got had shots taken. How much were they I don't remember.

1166
00:53:02,000 --> 00:53:02,359
Speaker 2: They weren't.

1167
00:53:02,760 --> 00:53:04,880
Speaker 1: I want to say maybe one hundred something. They weren't

1168
00:53:04,920 --> 00:53:08,480
Speaker 1: like tremendously maybe maybe two hundred. But and you know,

1169
00:53:08,520 --> 00:53:10,800
Speaker 1: it's so crazy because it came up today, like in

1170
00:53:10,520 --> 00:53:13,640
Speaker 1: my photo album, like, hey, this five years ago, isn't

1171
00:53:13,680 --> 00:53:14,320
Speaker 1: that so funny?

1172
00:53:14,600 --> 00:53:17,360
Speaker 2: Five year anniversary is in a couple of weeks, I.

1173
00:53:17,239 --> 00:53:19,160
Speaker 1: Know, And it was like it showed me that literally,

1174
00:53:19,200 --> 00:53:21,360
Speaker 1: it said this week five years ago. I have a

1175
00:53:21,360 --> 00:53:24,560
Speaker 1: picture of me and Mandy August twenty sixth, twenty fifteen.

1176
00:53:24,719 --> 00:53:26,960
Speaker 1: We're into Netta Studio taking pictures. It came up on

1177
00:53:27,000 --> 00:53:29,560
Speaker 1: my phone. I'm like, oh, we looked so cute, and

1178
00:53:29,560 --> 00:53:31,840
Speaker 1: I listally, our offers were so cute because you were

1179
00:53:31,880 --> 00:53:33,279
Speaker 1: wearing the blue dress and I was wearing like that

1180
00:53:33,320 --> 00:53:35,040
Speaker 1: purple dress. I don't know that we planned it, but

1181
00:53:35,040 --> 00:53:37,360
Speaker 1: then we looked Nope, it's just anything so great.

1182
00:53:37,960 --> 00:53:40,200
Speaker 2: I regret the pink lipstick, but that's near neither here

1183
00:53:40,239 --> 00:53:43,720
Speaker 2: nor there, really dude, Now well now I'm like, damn,

1184
00:53:43,760 --> 00:53:46,239
Speaker 2: I was hot. I remember telling Sandda my arms make

1185
00:53:46,320 --> 00:53:48,800
Speaker 2: them skinnier. Uh no, but that was so that was

1186
00:53:48,840 --> 00:53:51,680
Speaker 2: the headshots actually the record. So, like I said, garage

1187
00:53:51,719 --> 00:53:55,480
Speaker 2: Band is free. Another good software is Audacity free, entirely free,

1188
00:53:56,040 --> 00:53:58,319
Speaker 2: where you can edit audio and it's really not hard

1189
00:53:58,360 --> 00:54:00,440
Speaker 2: for them how to edit. YouTube has a video for

1190
00:54:00,560 --> 00:54:02,319
Speaker 2: air thing and that's how I learned how to edit

1191
00:54:02,320 --> 00:54:06,600
Speaker 2: in garage Band. And the interface has only changed majorly once,

1192
00:54:06,719 --> 00:54:08,520
Speaker 2: and I was super annoyed. I had to relearn a

1193
00:54:08,520 --> 00:54:11,840
Speaker 2: couple of things. But again, YouTube is your friend. Cost

1194
00:54:12,280 --> 00:54:14,399
Speaker 2: Tiffany and I both. I mean my my Yetti mic,

1195
00:54:14,440 --> 00:54:17,160
Speaker 2: which is very commonly used among podcasters. I've had this

1196
00:54:17,239 --> 00:54:20,360
Speaker 2: since the beginning. It was maybe one hundred bucks. Uh

1197
00:54:21,120 --> 00:54:22,919
Speaker 2: you said your phone's about hundred bucks too, right.

1198
00:54:23,400 --> 00:54:25,000
Speaker 3: Yeah, I use my and I use my. Well, I

1199
00:54:25,120 --> 00:54:27,279
Speaker 3: just got a new Yetti which I've properly broken three

1200
00:54:27,360 --> 00:54:29,200
Speaker 3: days later. Yayell this.

1201
00:54:30,600 --> 00:54:31,920
Speaker 2: She gon't tell them it broke on its own.

1202
00:54:35,120 --> 00:54:36,200
Speaker 1: Yeah, No, it was like I think it was like

1203
00:54:36,239 --> 00:54:38,080
Speaker 1: one twenty five. So maybe it's gone up a little

1204
00:54:38,120 --> 00:54:39,840
Speaker 1: bit in price, but not significantly.

1205
00:54:39,880 --> 00:54:43,480
Speaker 2: So that being said, I legit use my Apple iPhone

1206
00:54:43,800 --> 00:54:47,320
Speaker 2: earbuds so often, so often because I really only started

1207
00:54:47,360 --> 00:54:49,319
Speaker 2: using the Yetti again when we had to be at

1208
00:54:49,320 --> 00:54:52,279
Speaker 2: home and I was recording through maternity leave. I wasn't

1209
00:54:52,280 --> 00:54:54,200
Speaker 2: going to lug this. It's a heavy microphone. I wasn't

1210
00:54:54,200 --> 00:54:55,880
Speaker 2: going to and I still worked in the city. I

1211
00:54:55,880 --> 00:54:58,000
Speaker 2: wasn't going to lug it to work, so I would

1212
00:54:58,000 --> 00:55:01,560
Speaker 2: just use my Apple earbuds and I never heard any complaints, y'all.

1213
00:55:02,280 --> 00:55:05,160
Speaker 2: M well, let's take a couple more because it's almost

1214
00:55:05,200 --> 00:55:08,360
Speaker 2: the baby's bedtime. Let's see. Oh, people want to know

1215
00:55:08,360 --> 00:55:11,560
Speaker 2: about advertising? Yeah, ad agency? So how is how is

1216
00:55:11,560 --> 00:55:13,839
Speaker 2: that possible? How do you get ads to do one?

1217
00:55:13,880 --> 00:55:16,680
Speaker 2: And do you guys have I'm kind of combining a

1218
00:55:16,680 --> 00:55:18,960
Speaker 2: bunch of questions. But do we pick and choose who

1219
00:55:19,000 --> 00:55:23,360
Speaker 2: we advertise on the show two years ago?

1220
00:55:22,480 --> 00:55:22,719
Speaker 3: Yes?

1221
00:55:23,400 --> 00:55:25,080
Speaker 1: Oh yeah, we started it too. Well, we do pick

1222
00:55:25,120 --> 00:55:26,560
Speaker 1: and choose, and then will they choose us? And then

1223
00:55:26,560 --> 00:55:27,479
Speaker 1: we have to choose them back?

1224
00:55:28,120 --> 00:55:30,200
Speaker 2: Yeah. Well, and this is a good note for networking.

1225
00:55:30,280 --> 00:55:33,200
Speaker 2: So I actually our ad agency we were connected to

1226
00:55:33,320 --> 00:55:35,800
Speaker 2: from a podcaster, fellow podcaster and friend of ours for

1227
00:55:35,960 --> 00:55:39,000
Speaker 2: Nouche for News to Robbie. Her podcast is called so Money,

1228
00:55:39,320 --> 00:55:40,759
Speaker 2: And I think I just reached out to her. Maybe

1229
00:55:40,760 --> 00:55:42,759
Speaker 2: we were like getting dinner or something, and I just said, hey,

1230
00:55:42,920 --> 00:55:45,560
Speaker 2: you know, who do you work with? And she connected

1231
00:55:45,640 --> 00:55:48,200
Speaker 2: us to their business development. If you're looking for folks

1232
00:55:48,280 --> 00:55:49,879
Speaker 2: to reach out to, you got a show and you're

1233
00:55:49,920 --> 00:55:53,240
Speaker 2: interested in partnering, look on their LinkedIn and see who's

1234
00:55:53,440 --> 00:55:56,680
Speaker 2: in charge of business development or talent acquisition. Those are

1235
00:55:56,680 --> 00:55:59,000
Speaker 2: the folks that you want to get in front of.

1236
00:55:59,360 --> 00:56:02,719
Speaker 2: And yeah, so she connected us, and I think that

1237
00:56:02,840 --> 00:56:04,960
Speaker 2: was great because they already knew her show, they worked

1238
00:56:05,000 --> 00:56:10,040
Speaker 2: with her, and having her endorse us was helpful. And yeah,

1239
00:56:10,080 --> 00:56:11,239
Speaker 2: a couple of months, I feel like a couple of

1240
00:56:11,280 --> 00:56:13,600
Speaker 2: months later we we had to deal with them. And

1241
00:56:14,640 --> 00:56:17,960
Speaker 2: let's talk about so pretty standard ad deal. I mean

1242
00:56:18,160 --> 00:56:20,799
Speaker 2: we have we can refuse any ads, and we do

1243
00:56:20,880 --> 00:56:24,640
Speaker 2: a lot like partners, and we don't like to necessarily

1244
00:56:24,640 --> 00:56:27,960
Speaker 2: pitch specific financial products and some some are just not

1245
00:56:28,000 --> 00:56:30,520
Speaker 2: in alignment with Like what are some of the types

1246
00:56:30,560 --> 00:56:32,040
Speaker 2: of brands that we've said that you say.

1247
00:56:32,360 --> 00:56:35,120
Speaker 1: So typically like like if it's like supplements me and

1248
00:56:35,280 --> 00:56:39,640
Speaker 1: made a book like I don't. Yeah, I mean like

1249
00:56:39,719 --> 00:56:42,280
Speaker 1: food is one thing, like oh this is a delicious burger, sure,

1250
00:56:42,520 --> 00:56:45,359
Speaker 1: but like hey, take this supplement to grow your hair.

1251
00:56:45,440 --> 00:56:48,360
Speaker 1: I'm like, I don't know what, you know, feel a

1252
00:56:48,400 --> 00:56:52,760
Speaker 1: little bit uneasy about that kind of thing, just because

1253
00:56:52,760 --> 00:56:55,000
Speaker 1: it just feels like, well, what if somebody gets hurt?

1254
00:56:55,160 --> 00:56:55,360
Speaker 1: You know?

1255
00:56:56,000 --> 00:56:59,799
Speaker 2: Yeah, yeah, and it's you know and Tiffany and I.

1256
00:56:59,840 --> 00:57:02,319
Speaker 2: We this is not our main source of income. It's

1257
00:57:02,320 --> 00:57:04,120
Speaker 2: not that big of a show. I mean, we won't

1258
00:57:04,160 --> 00:57:06,640
Speaker 2: be big. But you know, as far as like we

1259
00:57:06,640 --> 00:57:08,879
Speaker 2: we do fine with the ads, the ads that we sell,

1260
00:57:08,960 --> 00:57:10,880
Speaker 2: so but we don't we don't feel like we have

1261
00:57:11,000 --> 00:57:12,759
Speaker 2: to say yes to everything. We're not just trying to

1262
00:57:12,800 --> 00:57:15,879
Speaker 2: grab dollars out here. We genuinely try to say yes

1263
00:57:15,920 --> 00:57:19,000
Speaker 2: to companies that we have used that we like, and

1264
00:57:19,040 --> 00:57:22,160
Speaker 2: I don't I can't think of a sponsor recently who

1265
00:57:22,160 --> 00:57:24,600
Speaker 2: we haven't personally used or liked or anything like that.

1266
00:57:24,720 --> 00:57:27,920
Speaker 2: So yeah, we take it, take it personally. And commonly

1267
00:57:27,960 --> 00:57:31,560
Speaker 2: the split with ad agencies like thirty five sixty five,

1268
00:57:31,640 --> 00:57:33,880
Speaker 2: where you know, you keep sixty five, they get thirty five.

1269
00:57:34,000 --> 00:57:37,320
Speaker 2: That's pretty common. And what Joe Budden was talking about

1270
00:57:37,840 --> 00:57:40,120
Speaker 2: uh is important too. You know, when you if you're

1271
00:57:40,120 --> 00:57:42,280
Speaker 2: going to sign with any agency and they try to

1272
00:57:42,320 --> 00:57:45,080
Speaker 2: slip an exclusivity clause in there. That's something you want

1273
00:57:45,080 --> 00:57:48,360
Speaker 2: to really pay attention to because depending on what the

1274
00:57:48,400 --> 00:57:51,320
Speaker 2: language is, it can stop you from working with another network.

1275
00:57:51,400 --> 00:57:54,280
Speaker 2: It can stop you from using another agency to sell

1276
00:57:54,320 --> 00:57:56,800
Speaker 2: ads as well, even if they have more partners, or

1277
00:57:56,880 --> 00:57:59,560
Speaker 2: maybe even just stop you from you know, they could

1278
00:57:59,560 --> 00:58:02,760
Speaker 2: potentially lock you into a contract for longer than you

1279
00:58:02,760 --> 00:58:05,720
Speaker 2: know you're wanting to. I think finding the right partner

1280
00:58:05,800 --> 00:58:09,120
Speaker 2: is important. And what else can we say about ad agency?

1281
00:58:09,240 --> 00:58:11,880
Speaker 2: They're only an ad agency. So there's some networks out

1282
00:58:11,880 --> 00:58:14,760
Speaker 2: there that do a lot more than just advertising selling

1283
00:58:14,760 --> 00:58:17,640
Speaker 2: ads for your show, And depending on what your show

1284
00:58:17,680 --> 00:58:20,680
Speaker 2: is like, that maybe something that you want. And it's

1285
00:58:20,720 --> 00:58:23,640
Speaker 2: certainly something that Tiffany and I are you know, working

1286
00:58:23,720 --> 00:58:26,920
Speaker 2: on a little some something as we look to grow

1287
00:58:27,000 --> 00:58:30,720
Speaker 2: and and you know, take brand ambition to the next level.

1288
00:58:31,000 --> 00:58:33,000
Speaker 2: But yeah, I hope that was I'm trying to think

1289
00:58:33,040 --> 00:58:35,480
Speaker 2: of like good details that people will think, Okay, that

1290
00:58:35,600 --> 00:58:38,320
Speaker 2: was insightful. It's a lot of pressure.

1291
00:58:40,560 --> 00:58:41,439
Speaker 3: No, I think that was good.

1292
00:58:41,480 --> 00:58:44,880
Speaker 1: I think that, you know, as with anything, I think,

1293
00:58:45,000 --> 00:58:48,560
Speaker 1: you know, build your you know, get consistency is key.

1294
00:58:48,720 --> 00:58:51,080
Speaker 2: Oh thank you for saying that, yes, and tell the

1295
00:58:51,120 --> 00:58:53,560
Speaker 2: people tiff and I don't have bosses, y'all. We just

1296
00:58:53,600 --> 00:58:56,600
Speaker 2: do the show every week because we know how important

1297
00:58:56,600 --> 00:58:58,400
Speaker 2: it is to be consistent. It's become a.

1298
00:58:58,360 --> 00:59:02,440
Speaker 1: Habit exactly, and because it's I mean literally we could

1299
00:59:02,680 --> 00:59:05,840
Speaker 1: say no, but every week, I mean barring, like you know,

1300
00:59:05,960 --> 00:59:08,880
Speaker 1: Mandy had the baby, and sometimes we'll we'll take some

1301
00:59:09,040 --> 00:59:10,840
Speaker 1: like a month off in the summer or something like that.

1302
00:59:10,920 --> 00:59:14,640
Speaker 3: But honestly, we have been so consistent.

1303
00:59:14,320 --> 00:59:16,600
Speaker 1: And it's not easy, you know, like literally, there are

1304
00:59:16,600 --> 00:59:19,919
Speaker 1: times where Mandy's like, you know, I have a thing,

1305
00:59:20,040 --> 00:59:21,040
Speaker 1: can we push it time back?

1306
00:59:21,160 --> 00:59:22,800
Speaker 3: Or am I be like, ah, Mandy, I'm going to

1307
00:59:22,840 --> 00:59:24,600
Speaker 3: be on a flight. Can we do it on a Saturday?

1308
00:59:24,720 --> 00:59:27,840
Speaker 1: Or so? Even though the show airs like, you know,

1309
00:59:27,920 --> 00:59:30,480
Speaker 1: the same time, for the most part, we tape on

1310
00:59:30,560 --> 00:59:32,400
Speaker 1: the like around the same time on the on the

1311
00:59:32,400 --> 00:59:34,640
Speaker 1: same day of the week. But we're really flexible with

1312
00:59:34,680 --> 00:59:36,440
Speaker 1: each other, like, no problem, you know what, I can

1313
00:59:36,440 --> 00:59:39,200
Speaker 1: wake up a little earlier, stay up a little later.

1314
00:59:39,080 --> 00:59:40,160
Speaker 3: If need be.

1315
00:59:40,400 --> 00:59:44,120
Speaker 1: So consistency is key, but allowing flexibility if you're going

1316
00:59:44,200 --> 00:59:47,000
Speaker 1: to have somebody that you you you tape with, because

1317
00:59:47,120 --> 00:59:50,360
Speaker 1: real life happens and the podcast is not more important

1318
00:59:50,400 --> 00:59:53,000
Speaker 1: than your family and your friends and making sure you're okay.

1319
00:59:53,560 --> 00:59:57,040
Speaker 1: So we make we make that clear distinction that you

1320
00:59:57,200 --> 00:59:59,720
Speaker 1: need to be okay. This can always wait, We'll figure

1321
00:59:59,760 --> 01:00:02,560
Speaker 1: it out later. But yeah, we've been really consistent. I've

1322
01:00:02,600 --> 01:00:04,760
Speaker 1: been proud of that because it's not our lives. It's

1323
01:00:04,760 --> 01:00:06,320
Speaker 1: so crazy because I feel like me and Manny grew

1324
01:00:06,440 --> 01:00:07,520
Speaker 1: up on the podcast.

1325
01:00:07,520 --> 01:00:09,120
Speaker 3: Like we met. We were a single girl. I mean,

1326
01:00:09,160 --> 01:00:12,400
Speaker 3: we were dating our significant others. Was I even dating Superman?

1327
01:00:12,840 --> 01:00:13,960
Speaker 3: How do I even know how I date?

1328
01:00:14,840 --> 01:00:18,680
Speaker 2: I don't know either. You're twenty fifteen, twenty fourteen.

1329
01:00:18,760 --> 01:00:22,120
Speaker 3: Really, I think I was dating, but not just him.

1330
01:00:24,320 --> 01:00:26,840
Speaker 1: So I was dating him, but he wasn't my only

1331
01:00:27,360 --> 01:00:30,520
Speaker 1: But yeah, so we were like single and then you know,

1332
01:00:30,600 --> 01:00:33,000
Speaker 1: we started. We've got in a serious relationship around the

1333
01:00:33,040 --> 01:00:34,680
Speaker 1: same time. I think you but you were already dating.

1334
01:00:34,680 --> 01:00:37,480
Speaker 2: You were, Yeah, we were almost engaged. I think our

1335
01:00:37,520 --> 01:00:40,080
Speaker 2: engagement was like one of our early episodes that was

1336
01:00:40,120 --> 01:00:41,240
Speaker 2: the news exciting.

1337
01:00:41,280 --> 01:00:43,960
Speaker 1: And then you got married, and then I got married,

1338
01:00:44,200 --> 01:00:47,800
Speaker 1: and then you're the baby and baby's working on over here,

1339
01:00:47,840 --> 01:00:49,080
Speaker 1: and you bought a house.

1340
01:00:49,160 --> 01:00:49,720
Speaker 3: I bought a house.

1341
01:00:49,720 --> 01:00:52,320
Speaker 1: It's just I feel like I love that our audience

1342
01:00:52,320 --> 01:00:56,160
Speaker 1: has followed us through like IVF and buying a home

1343
01:00:56,320 --> 01:01:01,320
Speaker 1: and you know, and investing, and just we're like, you know,

1344
01:01:01,400 --> 01:01:03,800
Speaker 1: from you used to work at Yahoo Finance and now

1345
01:01:03,800 --> 01:01:06,840
Speaker 1: you're this big boss over there at lending Tree, and

1346
01:01:06,880 --> 01:01:09,000
Speaker 1: it's just like you know, when I first started, I

1347
01:01:09,040 --> 01:01:11,200
Speaker 1: don't I don't even know if the Literature Academy was

1348
01:01:11,200 --> 01:01:13,160
Speaker 1: a thing yet, and it's getting.

1349
01:01:12,880 --> 01:01:15,840
Speaker 2: Started because I was interviewing you for Yahoo at the

1350
01:01:15,880 --> 01:01:18,480
Speaker 2: time the launch of the Literature.

1351
01:01:18,600 --> 01:01:22,800
Speaker 1: Academy Challenge, not even the Academy mm hm. And so

1352
01:01:23,040 --> 01:01:25,240
Speaker 1: just to see that growth, that's what I love about

1353
01:01:25,240 --> 01:01:28,320
Speaker 1: this podcast. It's like one day our kids will be

1354
01:01:28,360 --> 01:01:29,880
Speaker 1: able to look back. It's almost like that. It's like

1355
01:01:29,920 --> 01:01:32,680
Speaker 1: a living diary of our lives, an audio diary.

1356
01:01:32,880 --> 01:01:34,880
Speaker 2: It truly is. I think, why don't I journal? And

1357
01:01:34,880 --> 01:01:37,000
Speaker 2: I'm like, what I do? Talk and record myself once

1358
01:01:37,000 --> 01:01:39,760
Speaker 2: a week. But can I just say though we can't.

1359
01:01:39,760 --> 01:01:42,120
Speaker 2: I mean, consistency is the biggest thing, Tiffany, But it's

1360
01:01:42,120 --> 01:01:45,880
Speaker 2: also reliability of who you're working with. And like I said,

1361
01:01:45,920 --> 01:01:48,240
Speaker 2: I'm not Tiffany's boss, she's not my boss, but we

1362
01:01:48,320 --> 01:01:51,120
Speaker 2: have there's just a mutual respect and understanding that we

1363
01:01:51,160 --> 01:01:53,320
Speaker 2: are in this together and that we both care about

1364
01:01:53,320 --> 01:01:55,760
Speaker 2: it and that we show up. You know, yes, we

1365
01:01:55,800 --> 01:01:59,040
Speaker 2: may get sick. And I mean I was uploading you know,

1366
01:01:59,200 --> 01:02:02,000
Speaker 2: rerun episode when I was in the labor room, you know,

1367
01:02:02,560 --> 01:02:04,479
Speaker 2: and I think I'd maybe take a couple of weeks

1368
01:02:04,520 --> 01:02:06,800
Speaker 2: off for the baby and all that. But it's it's

1369
01:02:06,880 --> 01:02:10,680
Speaker 2: not you know, without with if having you know, Tiffany

1370
01:02:10,680 --> 01:02:12,400
Speaker 2: and I just without having the stress of like will

1371
01:02:12,400 --> 01:02:14,800
Speaker 2: they show up, like will they respond to an email?

1372
01:02:15,400 --> 01:02:17,800
Speaker 2: You know that that really can kill a show if

1373
01:02:17,800 --> 01:02:19,320
Speaker 2: you don't have that trust in each other. And I

1374
01:02:19,360 --> 01:02:22,600
Speaker 2: think that's definitely, you know, beyond just like our mutual

1375
01:02:22,680 --> 01:02:27,120
Speaker 2: respect and love for each other. It's about just showing

1376
01:02:27,200 --> 01:02:29,400
Speaker 2: up and being reliable. And if you're going to do

1377
01:02:29,440 --> 01:02:32,200
Speaker 2: something with someone, make sure that there's someone you trust

1378
01:02:32,280 --> 01:02:35,760
Speaker 2: as a partner and someone who you know will show

1379
01:02:35,800 --> 01:02:37,480
Speaker 2: up for you. Don't want to be chasing someone around.

1380
01:02:38,080 --> 01:02:41,240
Speaker 1: Yeah, Like it's like, h so, if you don't want

1381
01:02:41,280 --> 01:02:43,240
Speaker 1: to do this, let me know, you know.

1382
01:02:43,360 --> 01:02:45,160
Speaker 3: And also too, but someone to who's going to be

1383
01:02:45,200 --> 01:02:48,600
Speaker 3: understanding because I remember there was a time in business

1384
01:02:48,600 --> 01:02:51,360
Speaker 3: where I was I didn't I mean, I'm better now,

1385
01:02:51,400 --> 01:02:53,360
Speaker 3: but I mean things are still busy, but I'm better

1386
01:02:53,400 --> 01:02:55,760
Speaker 3: at delegating, so I don't feel so overwhelmed. But I

1387
01:02:55,880 --> 01:02:58,640
Speaker 3: felt so overwhelmed. We used to tape.

1388
01:02:59,240 --> 01:03:01,040
Speaker 1: We used to have the podcasts come out on Tuesdays

1389
01:03:01,040 --> 01:03:03,640
Speaker 1: because we taped on Mondays. But Mondays I was doing

1390
01:03:04,040 --> 01:03:07,080
Speaker 1: individual phone calls with everyone on my team, so literally

1391
01:03:07,120 --> 01:03:09,000
Speaker 1: I would be on the phone for like eight hours

1392
01:03:09,040 --> 01:03:10,800
Speaker 1: straight and then tape the podcast.

1393
01:03:10,920 --> 01:03:12,960
Speaker 3: And I was like, I'm gonna die. And I was like,

1394
01:03:13,040 --> 01:03:16,600
Speaker 3: maybe Manny cave mees days, I can't do this. You

1395
01:03:16,640 --> 01:03:17,120
Speaker 3: were like sure.

1396
01:03:17,160 --> 01:03:20,240
Speaker 2: I was like, oh, we make the rules we make

1397
01:03:20,560 --> 01:03:23,160
Speaker 2: That's the best thing about it being independent. We make

1398
01:03:23,200 --> 01:03:26,560
Speaker 2: the rules. Yea working with that agency as sorry, go

1399
01:03:26,560 --> 01:03:27,360
Speaker 2: ahead now.

1400
01:03:27,400 --> 01:03:28,920
Speaker 1: I was gonna say that just helped so much. I

1401
01:03:29,040 --> 01:03:30,840
Speaker 1: was just because honestly, I was ready to be like

1402
01:03:30,880 --> 01:03:33,160
Speaker 1: I can't do this. I was like something has to give.

1403
01:03:33,520 --> 01:03:34,560
Speaker 1: I was going to be like, I don't know if

1404
01:03:34,560 --> 01:03:36,960
Speaker 1: I could do the podcast. And then I remember jot

1405
01:03:37,040 --> 01:03:39,080
Speaker 1: Elsho's on my team. I told her, I said, I

1406
01:03:39,120 --> 01:03:40,440
Speaker 1: don't know I'm gonna be able to keep doing the

1407
01:03:40,440 --> 01:03:42,640
Speaker 1: podcast because on Mondays. She's like, why don't you just

1408
01:03:42,640 --> 01:03:44,080
Speaker 1: ask man if you could take another day.

1409
01:03:44,360 --> 01:03:49,800
Speaker 4: I was like, oh, I asked you and you were

1410
01:03:49,840 --> 01:03:53,000
Speaker 4: like sure, and I was like, oh, okay, and if

1411
01:03:53,000 --> 01:03:54,760
Speaker 4: we taped on Tuesday, which was a lighter day for

1412
01:03:54,880 --> 01:03:57,160
Speaker 4: me then and I was like, oh, it was just

1413
01:03:57,200 --> 01:03:57,840
Speaker 4: such a good lesson.

1414
01:03:57,880 --> 01:03:59,919
Speaker 3: I mean, now we're back to mondays because mondays make sense.

1415
01:04:00,000 --> 01:04:03,680
Speaker 1: But yeah, it's just yeah, having someone that you can also,

1416
01:04:04,440 --> 01:04:06,400
Speaker 1: if you're going to have someone on your podcast, that

1417
01:04:06,520 --> 01:04:10,040
Speaker 1: you're going to have a co host, someone that you know,

1418
01:04:10,440 --> 01:04:14,400
Speaker 1: that you can that that cares about you beyond the show.

1419
01:04:14,520 --> 01:04:15,840
Speaker 3: I think that's important too.

1420
01:04:16,560 --> 01:04:19,520
Speaker 2: Yeah, one hundred percent. And I'm so happy to be

1421
01:04:19,560 --> 01:04:21,320
Speaker 2: on this journey together and I'm glad that we own

1422
01:04:21,360 --> 01:04:23,000
Speaker 2: it and that it's ours. You know, we did this,

1423
01:04:23,200 --> 01:04:26,320
Speaker 2: and I think that's why we have the success that

1424
01:04:26,360 --> 01:04:29,360
Speaker 2: we've We've had all those different factors. I think that's

1425
01:04:29,360 --> 01:04:31,560
Speaker 2: the talent. I think we both have interesting stories to tell,

1426
01:04:31,600 --> 01:04:35,720
Speaker 2: we both have knowledge, but we also respect our listeners

1427
01:04:35,760 --> 01:04:37,760
Speaker 2: and each other. And you need that from the business

1428
01:04:37,760 --> 01:04:40,560
Speaker 2: side if you guys want to succeed, you know, in

1429
01:04:40,600 --> 01:04:44,200
Speaker 2: the podcast land. And absolutely, Tiffany and I feel a niche.

1430
01:04:44,360 --> 01:04:46,760
Speaker 2: I mean, there really weren't very many, if any at all,

1431
01:04:47,160 --> 01:04:49,600
Speaker 2: podcast hosts that look like us in our space careers

1432
01:04:49,640 --> 01:04:52,080
Speaker 2: and investing in finance, whatever our category is now in

1433
01:04:52,120 --> 01:04:55,360
Speaker 2: business and that matters so and I want to tell

1434
01:04:55,400 --> 01:04:57,560
Speaker 2: you now it may seem like, you know, podcasting is

1435
01:04:57,600 --> 01:05:00,240
Speaker 2: so crowded and there's no space for new voice. Is

1436
01:05:00,280 --> 01:05:03,360
Speaker 2: there is? There is new space for new voices. People

1437
01:05:03,400 --> 01:05:06,280
Speaker 2: will always want to make money, y'all. And advertisers are

1438
01:05:06,320 --> 01:05:09,919
Speaker 2: flocking to podcasts. They know that listeners are engaged, they

1439
01:05:09,960 --> 01:05:14,680
Speaker 2: come back, they listen through, and they want shows that

1440
01:05:15,080 --> 01:05:17,520
Speaker 2: occur at least weekly. So if you're thinking about launching

1441
01:05:17,560 --> 01:05:20,320
Speaker 2: a podcast, and you know, I have so much respect

1442
01:05:20,360 --> 01:05:24,360
Speaker 2: for narrative, journalistic long form podcasting. I love those shows,

1443
01:05:24,720 --> 01:05:26,680
Speaker 2: the true crime shows that are like ten or twelve

1444
01:05:26,680 --> 01:05:29,040
Speaker 2: episodes limited series. But at the end of the day,

1445
01:05:29,040 --> 01:05:30,720
Speaker 2: and I've talked to a lot of people in podcasts

1446
01:05:30,760 --> 01:05:34,320
Speaker 2: business lately and they're like, listen, what advertisers want are

1447
01:05:34,320 --> 01:05:36,600
Speaker 2: shows that are weekly and they are on all the

1448
01:05:36,640 --> 01:05:39,360
Speaker 2: time because that is a billboard each week that they

1449
01:05:39,360 --> 01:05:42,160
Speaker 2: can advertise. So you know, if you're thinking about a show,

1450
01:05:42,200 --> 01:05:44,000
Speaker 2: I would keep that in mind. And how often are

1451
01:05:44,000 --> 01:05:46,040
Speaker 2: you going to record? You know, will it be appealing,

1452
01:05:46,120 --> 01:05:48,240
Speaker 2: do you like who is your audience and is it

1453
01:05:48,280 --> 01:05:51,440
Speaker 2: a segment that people are interested in selling to, you know,

1454
01:05:51,440 --> 01:05:53,680
Speaker 2: Tiffany and I most for listeners are twenty five to

1455
01:05:53,680 --> 01:05:55,960
Speaker 2: forty five, and that just happens to be in African

1456
01:05:56,040 --> 01:06:00,520
Speaker 2: American women. Hey, y'all. Ninety percent of y'all about Hello y'all.

1457
01:06:01,560 --> 01:06:04,840
Speaker 2: And you know, advertisers know that we like to spend money,

1458
01:06:05,280 --> 01:06:08,200
Speaker 2: and that's a beautiful thing. And but you know, know

1459
01:06:08,240 --> 01:06:10,720
Speaker 2: your audience and and and do your research, listen to

1460
01:06:10,760 --> 01:06:15,120
Speaker 2: shows and see what is lacking, see what's missing, and

1461
01:06:15,120 --> 01:06:17,040
Speaker 2: and you know and know that it's a long haul,

1462
01:06:17,080 --> 01:06:20,560
Speaker 2: like we've been in it for five years and we

1463
01:06:20,640 --> 01:06:23,720
Speaker 2: still have so much growth ahead of us. But you may,

1464
01:06:24,160 --> 01:06:26,280
Speaker 2: you know, I wouldn't quit your day job like right

1465
01:06:26,280 --> 01:06:29,040
Speaker 2: away for sure. You want to you know, build your audience,

1466
01:06:29,080 --> 01:06:33,640
Speaker 2: be true to them, and yeah, we'd be, I don't know,

1467
01:06:34,240 --> 01:06:36,640
Speaker 2: be supportive of each other. If I'm just assuming everyone

1468
01:06:36,640 --> 01:06:38,520
Speaker 2: wants to do a bestie podcast like us.

1469
01:06:39,720 --> 01:06:41,200
Speaker 1: Some people want to do it by themselves, and there's

1470
01:06:41,240 --> 01:06:43,840
Speaker 1: nothing wrong with that either, And you don't have to

1471
01:06:44,040 --> 01:06:46,880
Speaker 1: Like I mean, y'all know me and Mandy are we

1472
01:06:47,080 --> 01:06:51,760
Speaker 1: have distinct personalities. I'm definitely like silly, crazy. I mean,

1473
01:06:51,760 --> 01:06:53,240
Speaker 1: I can be serious when I feel like it. You

1474
01:06:53,280 --> 01:06:56,160
Speaker 1: don't have to be Mandy doesn't have to be like me.

1475
01:06:56,240 --> 01:06:58,240
Speaker 1: I don't have to be like Mandy. Just know that

1476
01:06:58,680 --> 01:07:02,080
Speaker 1: how you are. Just be that, and people will fall

1477
01:07:02,120 --> 01:07:05,040
Speaker 1: in love with who you are. Your people will find

1478
01:07:05,160 --> 01:07:07,000
Speaker 1: you and fall in love with who how you are.

1479
01:07:07,080 --> 01:07:08,640
Speaker 1: I think sometimes people think they have to put on

1480
01:07:08,720 --> 01:07:11,320
Speaker 1: you don't like, if you were to meet me in person,

1481
01:07:11,400 --> 01:07:12,840
Speaker 1: this is how I am. If you were to meet

1482
01:07:12,840 --> 01:07:15,720
Speaker 1: Mandy in person, that's how she is. It's I think

1483
01:07:15,720 --> 01:07:18,160
Speaker 1: it's really important to just show up as you because

1484
01:07:18,160 --> 01:07:20,640
Speaker 1: you are more than enough, and those people who will

1485
01:07:20,680 --> 01:07:22,960
Speaker 1: resonate with you will stay and those who don't want

1486
01:07:23,040 --> 01:07:26,040
Speaker 1: and you don't want the non resonators to stay, you know,

1487
01:07:26,080 --> 01:07:27,960
Speaker 1: because those are the ones that bitch and talk about.

1488
01:07:28,000 --> 01:07:29,160
Speaker 1: Don't talk about your uterus.

1489
01:07:29,160 --> 01:07:32,080
Speaker 2: Hey girl, Hey, they still have to review, though, I

1490
01:07:32,080 --> 01:07:33,360
Speaker 2: think it would. I think if they left a couple

1491
01:07:33,400 --> 01:07:38,760
Speaker 2: of stars, a few stars sports all right, Well but yeah,

1492
01:07:38,800 --> 01:07:40,520
Speaker 2: well y'all know my I do actually do have a

1493
01:07:40,560 --> 01:07:42,800
Speaker 2: boss and his name is Rio, and homeboy wants to

1494
01:07:42,800 --> 01:07:45,560
Speaker 2: go to sleep, so we have to wrap this up.

1495
01:07:45,560 --> 01:07:48,160
Speaker 2: But this was great. It's nice to reflect, especially coming

1496
01:07:48,240 --> 01:07:49,560
Speaker 2: up on our five year anniversary.

1497
01:07:49,800 --> 01:07:50,240
Speaker 3: I know.

1498
01:07:52,520 --> 01:07:54,680
Speaker 2: Yes, all right, guys, well, thank you again for all

1499
01:07:54,720 --> 01:07:59,440
Speaker 2: your support, and let's let's uh, let's uh wrap this up.

1500
01:07:59,480 --> 01:08:00,800
Speaker 2: What am I trying to say, Let's rap it up.

1501
01:08:00,840 --> 01:08:04,160
Speaker 2: Let's wrap it up Gmail dot com. With any more questions,

1502
01:08:04,320 --> 01:08:06,640
Speaker 2: DM me. I'm at Mandy Money with an I, M

1503
01:08:06,680 --> 01:08:08,760
Speaker 2: A and d I money on the gram. If you

1504
01:08:08,760 --> 01:08:10,320
Speaker 2: want to send me a personal DM, or you can

1505
01:08:10,400 --> 01:08:12,919
Speaker 2: hit us up at Brandon Mission Podcast. I check those two.

1506
01:08:13,360 --> 01:08:15,680
Speaker 2: And if you have more questions about starting a podcast

1507
01:08:15,760 --> 01:08:17,800
Speaker 2: or what it takes, I'm more than happy to share.

1508
01:08:17,920 --> 01:08:20,559
Speaker 2: There is more than enough room for all those who

1509
01:08:20,600 --> 01:08:23,400
Speaker 2: want to have a podcast. Join us. It's nice here.

1510
01:08:24,280 --> 01:08:26,400
Speaker 1: Yes, you can always follow me by Janissa on Instagram.

1511
01:08:26,400 --> 01:08:28,000
Speaker 1: I'm not gonna prompt some and to answer your dms

1512
01:08:28,000 --> 01:08:30,240
Speaker 1: because I get a lot, but I will say this

1513
01:08:33,000 --> 01:08:33,880
Speaker 1: my IG channel.

1514
01:08:35,080 --> 01:08:36,240
Speaker 2: What about your IG channel?

1515
01:08:36,560 --> 01:08:37,799
Speaker 3: I said, you'll get a good laugh.

1516
01:08:37,680 --> 01:08:40,160
Speaker 1: While learning about finances. I just posted some funny things

1517
01:08:40,200 --> 01:08:41,800
Speaker 1: funny meme today that everyone's like.

1518
01:08:41,840 --> 01:08:44,240
Speaker 3: Oh girl, get out my business.

1519
01:08:44,439 --> 01:08:46,800
Speaker 1: I love to do like a little funny financial meme

1520
01:08:46,880 --> 01:08:48,599
Speaker 1: and then hit you with the knowledge afterward.

1521
01:08:48,680 --> 01:08:50,920
Speaker 2: But yeah, Okay.

1522
01:08:50,680 --> 01:08:52,440
Speaker 3: So we gotta do a quick booster break.

1523
01:08:53,320 --> 01:08:56,840
Speaker 2: Really quick, like five second. My five second boost will

1524
01:08:56,840 --> 01:09:01,240
Speaker 2: be that we finally closed our mortgage REFI loan is funded,

1525
01:09:01,640 --> 01:09:05,080
Speaker 2: old mortgage paid off, new mortgage done, and we did

1526
01:09:05,120 --> 01:09:07,200
Speaker 2: it before the end of August, which somehow means we

1527
01:09:07,200 --> 01:09:09,240
Speaker 2: don't have to pay a mortgage payment in September. I

1528
01:09:09,280 --> 01:09:11,840
Speaker 2: don't know. I'm sure they get their money eventually, but yay,

1529
01:09:12,240 --> 01:09:14,920
Speaker 2: make nine ten and we got a great rate down

1530
01:09:14,920 --> 01:09:18,400
Speaker 2: from four point thirty seven to two point eight seven, not.

1531
01:09:18,320 --> 01:09:21,560
Speaker 3: Shabby, and I'm amazing.

1532
01:09:21,200 --> 01:09:23,800
Speaker 2: Oh thank you. Yeah, I'm excited, and I we're gonna

1533
01:09:23,880 --> 01:09:26,320
Speaker 2: We decided we're gonna put the extra savings into a

1534
01:09:26,320 --> 01:09:28,880
Speaker 2: brokerage account instead of using it to pay down our

1535
01:09:28,880 --> 01:09:31,240
Speaker 2: mortgage because the rate is so low. It's only two

1536
01:09:31,240 --> 01:09:33,120
Speaker 2: point eight percent. So we were like, okay, let's take

1537
01:09:33,120 --> 01:09:35,080
Speaker 2: that extra I think we're saving three point fifty six.

1538
01:09:35,120 --> 01:09:38,120
Speaker 2: It came down to, finally, we're gonna throw that into

1539
01:09:38,200 --> 01:09:41,360
Speaker 2: a broke Maybe we'll throw it into some applestock. I

1540
01:09:41,400 --> 01:09:43,840
Speaker 2: don't know, we'll see, we're gonna invest it.

1541
01:09:44,479 --> 01:09:45,520
Speaker 1: Do it.

1542
01:09:46,960 --> 01:09:49,360
Speaker 3: Well, I'm gonna do like a boosty breaking. So here's

1543
01:09:49,360 --> 01:09:49,960
Speaker 3: the break part.

1544
01:09:50,080 --> 01:09:52,240
Speaker 1: So people always doing I don't know right now, it's

1545
01:09:52,240 --> 01:09:54,639
Speaker 1: really huge online to do like these fake like accounts.

1546
01:09:54,640 --> 01:09:54,880
Speaker 3: You know.

1547
01:09:55,439 --> 01:09:58,600
Speaker 1: So a new spam account popped up on Facebook that

1548
01:09:58,640 --> 01:10:01,160
Speaker 1: they use like my image whatever. So that's the break part.

1549
01:10:01,200 --> 01:10:03,920
Speaker 1: You're like, oh, I'm tired. But the boost part is

1550
01:10:03,960 --> 01:10:04,439
Speaker 1: the name.

1551
01:10:04,720 --> 01:10:06,200
Speaker 3: I'm not gonna lie. It's hilarious.

1552
01:10:06,560 --> 01:10:14,520
Speaker 1: So this person said, my name is paquitoq Paquito. Okay,

1553
01:10:14,280 --> 01:10:16,080
Speaker 1: then I have to I gotta send you up. I'm

1554
01:10:16,080 --> 01:10:19,840
Speaker 1: gonna send your picture Paquito Gift, Like that is the

1555
01:10:19,920 --> 01:10:22,720
Speaker 1: name of like my new So if you see me

1556
01:10:23,000 --> 01:10:25,360
Speaker 1: on Facebook and you see my picture and it says

1557
01:10:25,520 --> 01:10:27,559
Speaker 1: this is Paquito Gift, this is a real account.

1558
01:10:27,640 --> 01:10:29,320
Speaker 3: This is literally what it says. This is a real

1559
01:10:29,320 --> 01:10:32,080
Speaker 3: account registered your name to be a winner. I'm giving

1560
01:10:32,080 --> 01:10:35,880
Speaker 3: away five thousand dollars in cash giveaways. Yes, Paquito is

1561
01:10:36,320 --> 01:10:38,639
Speaker 3: So I just thought that that was hilarious. If someone

1562
01:10:38,680 --> 01:10:40,479
Speaker 3: sent me a screenshot and I was like, is this real,

1563
01:10:40,680 --> 01:10:42,240
Speaker 3: They're like, girl, someone's pretending.

1564
01:10:41,880 --> 01:10:43,880
Speaker 1: To be you. I said, you know what, if you

1565
01:10:43,920 --> 01:10:46,320
Speaker 1: give your money to Paquito, you deserve it.

1566
01:10:49,960 --> 01:10:54,280
Speaker 2: That is really hilarious. So that's it.

1567
01:10:54,360 --> 01:10:57,760
Speaker 1: That was My break is I wish people would stop,

1568
01:10:57,760 --> 01:10:59,920
Speaker 1: you know, using my image to have a fake account.

1569
01:10:59,920 --> 01:11:03,160
Speaker 1: But the boost is it's hilarious, and you know what,

1570
01:11:03,320 --> 01:11:04,519
Speaker 1: call me Pakito from now.

1571
01:11:04,840 --> 01:11:06,479
Speaker 3: I just I can't get home that day.

1572
01:11:06,840 --> 01:11:09,439
Speaker 2: I don't know. I don't know. I have Team Tiffany

1573
01:11:09,520 --> 01:11:11,760
Speaker 2: on our on our BA swag which is coming, by

1574
01:11:11,800 --> 01:11:13,479
Speaker 2: the way, b a merch. You should be able to

1575
01:11:13,479 --> 01:11:15,360
Speaker 2: buy it with them. I'm going to give myself another week.

1576
01:11:15,400 --> 01:11:17,200
Speaker 2: I'm gonna figure this out. But we got the merch.

1577
01:11:17,280 --> 01:11:20,080
Speaker 2: It's looking good, y'all so cute. We're gonna have bran

1578
01:11:20,120 --> 01:11:25,720
Speaker 2: Ambision onesies, brown Ambission teas, sweatshirt, tote bag, get all

1579
01:11:25,760 --> 01:11:28,799
Speaker 2: the swag. It'll be on our website soon. Stay tuned.

1580
01:11:29,479 --> 01:11:33,599
Speaker 2: I don't know. Maybe I'll put Pakito limited editions.

1581
01:11:33,960 --> 01:11:35,760
Speaker 3: Oh my god, just a limited.

1582
01:11:35,880 --> 01:11:40,360
Speaker 2: Pakito limited edition? Uh what do you want? T shirt? Tank?

1583
01:11:40,400 --> 01:11:41,439
Speaker 2: We can we can make it happen.

1584
01:11:41,960 --> 01:11:45,920
Speaker 3: Yes, so it should just say who is Pakito?

1585
01:11:46,040 --> 01:11:50,000
Speaker 1: And meanwhile, there's so many unnecessary letters involved in Pakito.

1586
01:11:50,120 --> 01:11:51,560
Speaker 1: I'm just I'm gonna send it to you just so

1587
01:11:51,600 --> 01:11:53,400
Speaker 1: you could be like, how many cues are there?

1588
01:11:55,800 --> 01:11:58,240
Speaker 3: So go take care baby, yo, We thank you guys

1589
01:11:58,240 --> 01:12:00,880
Speaker 3: for joining us. As for usual, we love y'all, love y'all.

1590
01:12:00,880 --> 01:12:03,519
Speaker 2: All right, Tiffy, well, thank you for going late tonight.

1591
01:12:03,600 --> 01:12:06,559
Speaker 2: I know we're way over. No, that's okay, all right,

1592
01:12:06,600 --> 01:12:09,920
Speaker 2: all right, go get snacks for your man, all right.

1593
01:12:10,400 --> 01:12:11,679
Speaker 3: Bye, Bye Bye Talking test