WEBVTT - Ep 232 - They Don't Want Us To Know This

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<v Speaker 1>Hey, hey, hey, I hit my my my lamp because

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<v Speaker 1>I feel free a little. Yeah, last one, I'm free

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<v Speaker 1>from his his snack demands for the next hour.

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<v Speaker 2>Wait, who is snack demands?

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<v Speaker 3>Superman like?

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<v Speaker 1>So he got his he got foot surgery because low key,

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<v Speaker 1>high key he has hammertoes.

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<v Speaker 2>I don't related podcast Macho one of the leads, right,

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<v Speaker 2>he did not.

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<v Speaker 1>Listen to podcast. So if y'all see him in the streets,

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<v Speaker 1>don't you tell him?

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<v Speaker 3>I told y'all.

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<v Speaker 1>So, so he was like, oh, you know, I'm gonna

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<v Speaker 1>get you know, get them get you get one foot

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<v Speaker 1>at a time.

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<v Speaker 3>But he really can't walk. He's a boot. He's to

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<v Speaker 3>basically stay.

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<v Speaker 1>You know, you pretty stay, you know, like he can

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<v Speaker 1>go from place to place, but with his crutches, but

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<v Speaker 1>him has to basically stay in one place. And so

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<v Speaker 1>it's been like, hey, can you bring me water? I'm

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<v Speaker 1>like here, yes, I am. I feel like, you know,

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<v Speaker 1>morning you tonight. I'm like, do you always.

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<v Speaker 3>Eat this much?

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<v Speaker 1>Wait?

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<v Speaker 2>It's only one foot though? Does he not have crutches?

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<v Speaker 2>Or he does?

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<v Speaker 1>But honestly, you know, we we have a we have

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<v Speaker 1>three floors. So it's honestly like seeing him come down

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<v Speaker 1>the stairs and crutches.

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<v Speaker 2>I'm like, uh, you know what, just staying here because

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<v Speaker 2>so you're going up and down three floors.

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<v Speaker 1>Yeah, and it's honestly really hard. So I know, so

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<v Speaker 1>it's hard for him. I mean, so he does come down.

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<v Speaker 1>I would say he comes down like once a day,

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<v Speaker 1>but it's too much to go, Like, he can't go up, down, up, down.

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<v Speaker 1>So I'm like, I'm having to bring up breakfast, lunch, dinner,

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<v Speaker 1>and snacks and I'm sorry. I try to like, you know,

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<v Speaker 1>pack him, like, hey, so all these snacks, this is

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<v Speaker 1>really to last you.

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<v Speaker 3>So I'm gonna need you to budget you're eating.

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<v Speaker 1>I felt bad because he called me like a like

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<v Speaker 1>an hour ago, was like hello.

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<v Speaker 3>Wet to see there you go.

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<v Speaker 1>See maybe he knows so crazy by Suman even when

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<v Speaker 1>he can't knock on the door to push through, he's like,

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<v Speaker 1>I'm still there.

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<v Speaker 2>I'll sound for you. That should be your ring tone

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<v Speaker 2>his text tone for him, just the sound of a

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<v Speaker 2>door opening. I'm hiding in my basement right now. This

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<v Speaker 2>is new for me. I'm hying because well this is

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<v Speaker 2>we've we've been working on fixing up the basement, and

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<v Speaker 2>I think what I'm going to do well. I already

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<v Speaker 2>have the peloton down here. That's what started it. As

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<v Speaker 2>soon as a woman wanted to be down here being me,

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<v Speaker 2>I was like, this is this is inhabitable for endie

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<v Speaker 2>human life. We have got to fix it up because

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<v Speaker 2>this is where you know, Husby comes down here and

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<v Speaker 2>does his little projects and I don't know what he does.

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<v Speaker 2>He has like a so no speaker installed, he has

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<v Speaker 2>you know, his tool area set up. I'm taking over

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<v Speaker 2>this joint. He does not even know it, but the

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<v Speaker 2>peloton's here. Now, I'm going to set up my podcasting area.

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<v Speaker 2>I'm going to set up my YouTube area. And this

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<v Speaker 2>is gonna be Mandyland.

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<v Speaker 3>It's a man cave. Is just she she shed.

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<v Speaker 2>He's got it. I mean he's fine. He has his

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<v Speaker 2>little he still has his don't like he has his

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<v Speaker 2>his little corner of the basement, but he also has

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<v Speaker 2>the shed and he's he's gonna be fine. I need this.

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<v Speaker 2>I need this space for myself. It really does feel

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<v Speaker 2>like when I close that door and I walk down

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<v Speaker 2>here to this damp, dingy you know, like mosquito and

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<v Speaker 2>fly ridden basement, it feels like I'm just taking a

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<v Speaker 2>big sigh relief, and the Peloton's been good. But it's

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<v Speaker 2>just like, I don't know, there's so little sick you

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<v Speaker 2>don't really have. It's kind of sad that this is

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<v Speaker 2>my safe space, like my me time space, but I

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<v Speaker 2>need it. And he gets to go in the city.

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<v Speaker 2>And I say he gets to go, but you know,

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<v Speaker 2>he goes into the city a couple days a week.

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<v Speaker 2>And I just I just I just fantasize about what

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<v Speaker 2>he listens to you on the train. I'm like, what

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<v Speaker 2>did you what did you think about for those forty

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<v Speaker 2>minutes of uninterrupted silence? What did you listen to? And

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<v Speaker 2>I get mad when he doesn't do anything, I'm like,

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<v Speaker 2>what do you he and you had forty minutes to

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<v Speaker 2>sit there and you didn't listen to anything or do anything. Anyway,

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<v Speaker 2>he's he's being good about it, and he's actually excited

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<v Speaker 2>because it, you know, fixing up the basement means he

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<v Speaker 2>gets to use tools and stuff. So I hope, I

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<v Speaker 2>hope it looks cute all sudden. I'll post a pick

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<v Speaker 2>when it's done.

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<v Speaker 1>No, I would love to see yeah, because as you know,

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<v Speaker 1>Sugarman's he has his man cake. But for his fortieth

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<v Speaker 1>one of the things I was supposed to do. I

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<v Speaker 1>just have been dragging my feet. Is I'm deck you know,

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<v Speaker 1>I'm getting it all decked out. Like he loves movies.

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<v Speaker 1>So there's like two parts. One part we're going to

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<v Speaker 1>make it to like a movie theater and the other

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<v Speaker 1>part like a even though he doesn't drink, but kind

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<v Speaker 1>of like a I guess, like a bar. I guess,

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<v Speaker 1>like so they can play cards. Yeah, I mean he

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<v Speaker 1>doesn't nothing.

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<v Speaker 3>He doesn't drink at all, but he's not really like

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<v Speaker 3>he's like, you know, the occasional beer with my friends

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<v Speaker 3>come over guy.

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<v Speaker 1>Yeah, but still like we would have, like I was

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<v Speaker 1>gonna get a Neon signed because his nickname is Twin,

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<v Speaker 1>you know, because black people are very literal because he's Twine.

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<v Speaker 3>No, he's gonna nicknames.

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<v Speaker 1>They're also not being Bobby because when they're little they

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<v Speaker 1>had such not be these because my husband's really so

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<v Speaker 1>name not being Bobby because they're like this one has

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<v Speaker 1>not been these and you're his twins, so we're just

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<v Speaker 1>gonna call you Bobby.

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<v Speaker 3>Can you imagine?

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<v Speaker 2>I mean, okay, whatever, I know.

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<v Speaker 1>So yeah, So so yeah, I was gonna get a

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<v Speaker 1>sign that at twins place, and like so Rihanna.

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<v Speaker 2>Because everything is not just for him, it's for his

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<v Speaker 2>his his twin too, Like that's what you were saying, Like.

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<v Speaker 1>Yeah, kind of so that way that he doesn't feel

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<v Speaker 1>even though right now they're like whatever, you know how

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<v Speaker 1>it is, Well, I don't know, you don't have uh

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<v Speaker 1>two kids yet, but boys sometimes are just like what

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<v Speaker 1>do you mean, like a, you're not friends?

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<v Speaker 3>Are your friends? Are you're not friends? Okay, you're not

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<v Speaker 3>friends right now? Okay, but no.

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<v Speaker 1>But I'm excited about Like I can understand the appeal

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<v Speaker 1>because while he's been upstairs, you know, buzzing my phone

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<v Speaker 1>for random food, I had been sneaking into the man

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<v Speaker 1>cave getting my life like.

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<v Speaker 3>It was cute down here.

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<v Speaker 2>So you you get some space for yourself, my friend,

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<v Speaker 2>make some them down there for you, even if it's

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<v Speaker 2>like a little a little reading area. I'm really excited.

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<v Speaker 2>I'm going to make it like a little reading corner

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<v Speaker 2>and make it kind of sin. I have all these ideas.

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<v Speaker 2>I've been on Pinterest all the time.

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<v Speaker 3>I took half of it for my gym that I

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<v Speaker 3>don't use.

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<v Speaker 2>Well, then makes something you do use, yeah, like a

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<v Speaker 2>little meditation room or I don't know whatever, Just yeah,

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<v Speaker 2>you should have a space for yourself, go out.

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<v Speaker 1>Of the whole house is for me. I'm not gonna

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<v Speaker 1>have my own office. I have like we Yeah, He's

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<v Speaker 1>always like everything here is for you.

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<v Speaker 3>Make it is.

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<v Speaker 2>That's different.

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<v Speaker 1>Well I'm not so like joyful news Black Panther passed

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<v Speaker 1>away chat.

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<v Speaker 2>That was the segue. That was like the segue for

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<v Speaker 2>the age, the twenty twenty segue.

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<v Speaker 3>Just I don't even know what to say.

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<v Speaker 2>It's no, I know the abrupt but the abruptness of

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<v Speaker 2>it just like.

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<v Speaker 3>Yeah, it's like I was.

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<v Speaker 1>I remember it was like late was it was? It

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<v Speaker 1>was it was late night and I saw my WhatsApp

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<v Speaker 1>chat someone said Chad it. They wrote his name and

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<v Speaker 1>like question mark, explamation, exclamation. I was like, wait, what

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<v Speaker 1>what do those words mean? And I looked them like

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<v Speaker 1>there's no way. So I googled it and.

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<v Speaker 3>I was like what is what?

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<v Speaker 2>Yeah, it was. I was talking to a really good

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<v Speaker 2>friend of mine who I haven't talked to, and I

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<v Speaker 2>mean in a good conversation like over a year. Shout

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<v Speaker 2>out to Kevin who listens to the show. I'm helping

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<v Speaker 2>him consolidates some credit card to Hey, that's what happened

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<v Speaker 2>to me. Call me after a year. I'm like, so,

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<v Speaker 2>let's talk about your personal finances. But in the middle

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<v Speaker 2>of the conversation, he said, Chadwick and I feel like

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<v Speaker 2>these days were you know, I'm kind of waiting for

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<v Speaker 2>oh hey, Molly girl, I'm kind of waiting for tragic

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<v Speaker 2>tragedy to strike. But it was it was the same

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<v Speaker 2>feeling I got when I when I found out about

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<v Speaker 2>Kobe and I just saw what I saw something on

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<v Speaker 2>Twitter on Instagram somebody posted it was the same similar

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<v Speaker 2>It was like Kobe question mark. And then I was

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<v Speaker 2>like please, no, please, no, dear lord, no. Chadwick hit me.

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<v Speaker 2>I mean I was, as you know, like everyone knows

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<v Speaker 2>Kobe and my little brother love. I mean, he my

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<v Speaker 2>poor brother. He really has been grieving for Kobe. He

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<v Speaker 2>was always a fan of Lakers and Kobe he met

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<v Speaker 2>when he was a kid, and all this stuff. Chadwick,

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<v Speaker 2>for me, it hit me a little bit deeper, especially

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<v Speaker 2>because Black Panther just I don't think, I mean, I

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<v Speaker 2>did realize how meaningful it was to me when I

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<v Speaker 2>left that theater. You know how the end of Black Panther,

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<v Speaker 2>when he's he and his sister. Are they come back

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<v Speaker 2>to I think it's California. Uh, And they see some

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<v Speaker 2>kids playing like a basketball court or something like that,

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<v Speaker 2>and he shows up. What do you call that? I'm

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<v Speaker 2>just like not good at my his like space space machine,

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<v Speaker 2>I don't know, his rocket ship. He shows up and

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<v Speaker 2>the kids are in awe of this, you know, this

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<v Speaker 2>black man and woman who are so powerful, and that

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<v Speaker 2>feeling that you left the theater with that electrics. For me,

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<v Speaker 2>it was it was so different. I left so motivated.

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<v Speaker 2>I left so excited to raise a brown baby and

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<v Speaker 2>for every black kid. And I just left so excited

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<v Speaker 2>to have this black hero, this black af superhero movie

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<v Speaker 2>unapologetically black out there and that. And it's not just

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<v Speaker 2>that movie, but he he was. He was supposed to

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<v Speaker 2>have so much more time. I feel like he was.

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<v Speaker 2>He was like the next coming of Denzel Washington, like

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<v Speaker 2>he was, you know, and it it it's it's really

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<v Speaker 2>really tragic. And the fact that he was doing it

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<v Speaker 2>in private, you know, fighting cancer in private, and so yeah,

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<v Speaker 2>so it just fucking strong. He had to be so

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<v Speaker 2>strong to.

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<v Speaker 1>Do that, and people were I remember when all of

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<v Speaker 1>a sudden I saw that he was losing a lot

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<v Speaker 1>of weight, and I remember thinking maybe he's doing it

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<v Speaker 1>for I just kind of kept in my.

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<v Speaker 3>Mind like, wow, Tabook was looking really skinny. I said, oh,

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<v Speaker 3>maybe for a role. And I left it.

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<v Speaker 1>But I evenized that people were really he had to turn

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<v Speaker 1>off his comments and delete pictures off his Instagram because

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<v Speaker 1>people were really going in about his way.

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<v Speaker 3>It just goes to show you never know, I.

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<v Speaker 2>Didn't know that people were like like comment and oh

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<v Speaker 2>my god, I hadn't really seen photos of him in

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<v Speaker 2>a minute. That's you don't know what someone's private struggle is.

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<v Speaker 2>And I mean, and I really you know, when I

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<v Speaker 2>was trying to think of the message we could send

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<v Speaker 2>to you know, through brown ambition, all they can say

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<v Speaker 2>is you just it's just a reminder you don't know

0:10:22.800 --> 0:10:24.960
<v Speaker 2>what someone's private struggle is. And you've and we've got

0:10:25.040 --> 0:10:28.320
<v Speaker 2>to try to be empathetic. And you know, it's not

0:10:28.440 --> 0:10:31.960
<v Speaker 2>about us knowing every detail about everyone in our circles lives,

0:10:31.960 --> 0:10:34.160
<v Speaker 2>but it's about you know, reach out to those five

0:10:34.320 --> 0:10:37.079
<v Speaker 2>people that you you know, we're close with, maybe you

0:10:37.080 --> 0:10:39.280
<v Speaker 2>haven't talked to in a while, and you know, see

0:10:39.280 --> 0:10:42.040
<v Speaker 2>if they need anything or they want to talk. I

0:10:42.040 --> 0:10:44.480
<v Speaker 2>I don't know. It makes me want to. It makes

0:10:44.480 --> 0:10:46.439
<v Speaker 2>me want to continue to just keep those lines of

0:10:46.480 --> 0:10:49.839
<v Speaker 2>communication open with my loved ones and to be kind,

0:10:51.040 --> 0:10:54.840
<v Speaker 2>be kind. The world needs more kindness, more kindness, Well

0:10:55.240 --> 0:10:59.640
<v Speaker 2>rest and power. Chadwick Boseman. I know the tributes will

0:10:59.640 --> 0:11:02.520
<v Speaker 2>continue pouring in. We want. My mom is in town,

0:11:02.800 --> 0:11:06.160
<v Speaker 2>speaking of like silver happy happy news. My mom is

0:11:06.200 --> 0:11:09.440
<v Speaker 2>in town. Her and her husband drove here from Saint Louis.

0:11:09.880 --> 0:11:12.760
<v Speaker 2>How many hours was that like? Fourteen hours? Yeah? They

0:11:12.840 --> 0:11:14.960
<v Speaker 2>and you know, because she didn't want to fly and

0:11:15.000 --> 0:11:17.320
<v Speaker 2>all that stuff. But I'm so excited to have her here.

0:11:17.800 --> 0:11:20.360
<v Speaker 2>But they arrived on Saturday, and the first thing we

0:11:20.400 --> 0:11:22.800
<v Speaker 2>did that night was we sat down and watched forty two,

0:11:22.960 --> 0:11:25.400
<v Speaker 2>which was Chadwicks one of his earlier films. I think

0:11:25.440 --> 0:11:28.240
<v Speaker 2>it was twenty thirteen where he played Jesse or sorry

0:11:28.320 --> 0:11:28.920
<v Speaker 2>Jessie Robert.

0:11:29.160 --> 0:11:30.280
<v Speaker 3>Yeah. That was good.

0:11:30.600 --> 0:11:33.600
<v Speaker 2>Yeah, it was good. I hadn't seen it, and I

0:11:33.640 --> 0:11:37.720
<v Speaker 2>want to, you know, I never saw the James Brown. Yes,

0:11:37.800 --> 0:11:39.720
<v Speaker 2>the James Brown movie, and then was good.

0:11:39.880 --> 0:11:42.319
<v Speaker 1>And I'm not really a movie person. Me and Superman

0:11:42.400 --> 0:11:44.520
<v Speaker 1>watched it and I was like, that was so good.

0:11:44.600 --> 0:11:45.560
<v Speaker 3>It's really good.

0:11:45.600 --> 0:11:49.040
<v Speaker 1>I mean, he he nailed it. You were just like, Wow,

0:11:49.120 --> 0:11:49.800
<v Speaker 1>what a talent.

0:11:50.200 --> 0:11:52.560
<v Speaker 2>I didn't know you could even sing. I saw some

0:11:52.600 --> 0:11:54.360
<v Speaker 2>clips of him singing. I'm like, of course he could.

0:11:54.360 --> 0:11:56.760
<v Speaker 3>It is just all the things.

0:11:56.920 --> 0:11:58.600
<v Speaker 1>And then you know, Danzel like paid for him to

0:11:58.679 --> 0:12:00.200
<v Speaker 1>like get acting classes.

0:12:00.559 --> 0:12:02.200
<v Speaker 2>Yeah, I remember that story.

0:12:02.880 --> 0:12:08.160
<v Speaker 1>If you guys haven't watched Google Chadwick Boseman, Uh, Denzel

0:12:09.440 --> 0:12:12.200
<v Speaker 1>lifetime achievement speech, it's just like two and a half minutes,

0:12:12.200 --> 0:12:15.839
<v Speaker 1>but it's just so powerful and beautiful, and it's you

0:12:15.920 --> 0:12:20.000
<v Speaker 1>see that he's visibly slim, slimmer. It's after Black Panther

0:12:20.080 --> 0:12:23.040
<v Speaker 1>and everything else and the tribute he gives Denzel. Really

0:12:23.320 --> 0:12:24.920
<v Speaker 1>it's just so moving.

0:12:26.200 --> 0:12:28.600
<v Speaker 3>And just the power of kindness and what it can

0:12:28.679 --> 0:12:32.760
<v Speaker 3>how it can transform someone's life. So it's on YouTube. Yeah,

0:12:32.960 --> 0:12:34.560
<v Speaker 3>it's just an amazing speech.

0:12:35.760 --> 0:12:40.360
<v Speaker 2>It's beautiful. Our hearts go out to I mean my

0:12:40.400 --> 0:12:42.680
<v Speaker 2>heart definitely goes out to his family, and it just

0:12:42.720 --> 0:12:45.800
<v Speaker 2>makes you think again about losing Kobe this year and

0:12:46.040 --> 0:12:48.959
<v Speaker 2>please just no more, no more.

0:12:49.600 --> 0:12:49.720
<v Speaker 1>Uh.

0:12:50.240 --> 0:12:53.160
<v Speaker 2>And I mean you also think about the people whose

0:12:53.720 --> 0:12:57.040
<v Speaker 2>deaths have been you know, not covered quiet COVID one

0:12:57.120 --> 0:12:59.400
<v Speaker 2>hundred and eighty thousand people that have died. It's you know,

0:12:59.520 --> 0:13:02.320
<v Speaker 2>this year is this year. I mean, it will fund

0:13:02.360 --> 0:13:06.160
<v Speaker 2>it. It was gonna change, it will change the country. Ye,

0:13:06.320 --> 0:13:08.520
<v Speaker 2>it already has. But I don't I don't think we

0:13:08.640 --> 0:13:11.840
<v Speaker 2>realize quite yet. How will never It'll never be the same.

0:13:12.280 --> 0:13:15.800
<v Speaker 2>I hope not, you know, And I hope that there's

0:13:15.800 --> 0:13:17.440
<v Speaker 2>a lot of good that comes out of the lessons

0:13:17.440 --> 0:13:20.880
<v Speaker 2>we've learned, you know, in quarantine, through this pandemic. But

0:13:20.880 --> 0:13:24.480
<v Speaker 2>it's kind of overwhelming to think of how dramatically things

0:13:24.520 --> 0:13:29.280
<v Speaker 2>have changed. I'm so good my mommy is here because

0:13:29.280 --> 0:13:29.640
<v Speaker 2>I can.

0:13:29.559 --> 0:13:32.839
<v Speaker 1>Hug her no exactly, and that's really if anything that

0:13:32.920 --> 0:13:36.280
<v Speaker 1>it has taught us is to hug and hold tight

0:13:36.320 --> 0:13:39.040
<v Speaker 1>to your loved ones. I spent way more time on

0:13:39.080 --> 0:13:42.680
<v Speaker 1>the phone and in person with my loved ones now,

0:13:42.720 --> 0:13:43.079
<v Speaker 1>more than.

0:13:43.040 --> 0:13:46.559
<v Speaker 3>Ever, just because you just realize that's what's most important.

0:13:46.960 --> 0:13:49.640
<v Speaker 2>Yeah, one hundred percent. And I actually am hugging my mother.

0:13:49.840 --> 0:13:51.920
<v Speaker 2>I had we had a moment where we were like, Okay,

0:13:52.000 --> 0:13:53.480
<v Speaker 2>is there gonna be masks? Are we going to be

0:13:53.600 --> 0:13:57.600
<v Speaker 2>no distance? And I think, you know, New York's rates

0:13:57.600 --> 0:14:00.920
<v Speaker 2>are so low right now. I think we've had twenty

0:14:00.920 --> 0:14:02.920
<v Speaker 2>straight days where the rate of COVID has been less

0:14:02.960 --> 0:14:07.240
<v Speaker 2>than one percent, and anyway we've questioned, you know, we've

0:14:07.280 --> 0:14:09.240
<v Speaker 2>all been really careful and everything like that. But I

0:14:09.280 --> 0:14:12.440
<v Speaker 2>think I am dipping my toe back into some sense

0:14:12.480 --> 0:14:16.720
<v Speaker 2>of normalcy. I I it feels good. You know, there's

0:14:16.720 --> 0:14:20.360
<v Speaker 2>still that undercurrent of anxiety like is this okay? Like

0:14:20.520 --> 0:14:23.440
<v Speaker 2>what's going to happen? But it just feels really good

0:14:23.440 --> 0:14:25.240
<v Speaker 2>to have her here and to see her with Rio

0:14:25.560 --> 0:14:29.040
<v Speaker 2>and and I'm not gonna lie. The free child care

0:14:29.200 --> 0:14:33.920
<v Speaker 2>is it is not hurting I. Uh so, I'm really

0:14:33.920 --> 0:14:37.400
<v Speaker 2>glad to have her this week. I love it. Well,

0:14:37.440 --> 0:14:39.280
<v Speaker 2>let's we talk about today's show a little bit.

0:14:40.080 --> 0:14:43.840
<v Speaker 3>Yeah, real quick it did you buy any Apple or Tesla?

0:14:44.000 --> 0:14:45.000
<v Speaker 3>You know the stock split?

0:14:46.920 --> 0:14:49.520
<v Speaker 2>We Yeah, my husband really wants to did you have

0:14:49.560 --> 0:14:52.320
<v Speaker 2>you bought any yet? I did? I did get so much.

0:14:52.360 --> 0:14:55.000
<v Speaker 2>I don't tell much how much.

0:14:55.080 --> 0:14:58.880
<v Speaker 3>I made about seven hundred and fifty dollars today. God damn,

0:15:00.080 --> 0:15:02.920
<v Speaker 3>I on that I bought. Because what happened is I

0:15:02.960 --> 0:15:03.840
<v Speaker 3>was like going back and forth.

0:15:03.960 --> 0:15:07.240
<v Speaker 1>I have this like what'sapp chat called wealth wealth what'sapp

0:15:07.320 --> 0:15:09.160
<v Speaker 1>with like my friends who like like to invest and

0:15:09.200 --> 0:15:13.120
<v Speaker 1>also to the Unicorn squad, you know, the people who

0:15:13.280 --> 0:15:15.960
<v Speaker 1>work on my team. We have like an investment slack channel,

0:15:16.160 --> 0:15:19.280
<v Speaker 1>So we were talking about it, getting prepared, and I decided,

0:15:19.360 --> 0:15:21.080
<v Speaker 1>you know, I'm taking the leap. I bought fifty shares

0:15:21.080 --> 0:15:24.600
<v Speaker 1>of Apple and ten shares of Tesla. Apple my fifty yeers,

0:15:24.600 --> 0:15:27.320
<v Speaker 1>I mean, Apple didn't it didn't go up tremendously. Like

0:15:27.360 --> 0:15:30.040
<v Speaker 1>I bought it for one hundred and twenty seven dollars

0:15:30.120 --> 0:15:33.200
<v Speaker 1>and sixty seven cents and now it's at one twenty

0:15:33.320 --> 0:15:36.680
<v Speaker 1>nine and thirty twenty three cents. But really it was Tesla,

0:15:36.680 --> 0:15:38.280
<v Speaker 1>because you know Tesla's so expensive.

0:15:38.680 --> 0:15:39.320
<v Speaker 2>It's Tesla.

0:15:39.520 --> 0:15:43.240
<v Speaker 1>Yeah, yes, I bought it for four hundred and forty

0:15:43.240 --> 0:15:45.000
<v Speaker 1>four dollars or really four hundred forty five dollars and

0:15:45.040 --> 0:15:46.280
<v Speaker 1>it's up to five h nine.

0:15:46.520 --> 0:15:49.560
<v Speaker 3>So Tesla went up twelve and a half percent today.

0:15:50.160 --> 0:15:53.880
<v Speaker 2>So talk about the stock splits. So how are the shares,

0:15:54.320 --> 0:15:58.720
<v Speaker 2>the more affordable shares treated differently than the more expensive shares.

0:15:58.760 --> 0:15:59.640
<v Speaker 2>How does all that work?

0:16:00.360 --> 0:16:02.960
<v Speaker 1>It's not really treated differently. What they're just trying to

0:16:03.000 --> 0:16:06.680
<v Speaker 1>do is to allow people who can't afford the shares

0:16:06.720 --> 0:16:10.240
<v Speaker 1>really to buy, so your shares are still worth the same.

0:16:10.400 --> 0:16:12.840
<v Speaker 1>So what I mean obviously the market has reacted, so

0:16:12.880 --> 0:16:14.960
<v Speaker 1>your shares are not worth the same, but technically they are.

0:16:15.000 --> 0:16:17.320
<v Speaker 1>So let's just say a company has a stock and

0:16:17.360 --> 0:16:19.840
<v Speaker 1>it's one thousand dollars, so these were four these the

0:16:19.840 --> 0:16:22.920
<v Speaker 1>stock was split in four for both Apple and Tesla,

0:16:23.240 --> 0:16:24.720
<v Speaker 1>so it's like, okay, the shares are worth a one

0:16:24.720 --> 0:16:26.120
<v Speaker 1>thousand dollars divided by four.

0:16:26.280 --> 0:16:32.280
<v Speaker 3>So one thousand divided by four is what fifty two fifty, right.

0:16:32.160 --> 0:16:34.840
<v Speaker 1>So that means you now, instead of having one share

0:16:34.840 --> 0:16:37.240
<v Speaker 1>that's worth a thousand, you've got four shares that are

0:16:37.240 --> 0:16:40.040
<v Speaker 1>worth two hundred and fifty dollars a piece. So technically,

0:16:40.080 --> 0:16:44.440
<v Speaker 1>net net, you're even. But because the stock market is

0:16:44.480 --> 0:16:48.760
<v Speaker 1>not based upon facts, it's based upon emotions. Because people

0:16:48.840 --> 0:16:51.880
<v Speaker 1>were like excited, you know, that this was happening.

0:16:52.520 --> 0:16:56.520
<v Speaker 3>It it raised the cost of your one fourth now

0:16:56.960 --> 0:16:59.000
<v Speaker 3>of this new share. So even though you're your.

0:16:58.920 --> 0:17:01.560
<v Speaker 1>One share just a couple of days ago, even before

0:17:02.080 --> 0:17:04.680
<v Speaker 1>the stock split, shares were like prices were growing up,

0:17:05.040 --> 0:17:07.480
<v Speaker 1>you know, because people were like so excited about it.

0:17:07.560 --> 0:17:10.560
<v Speaker 1>So you're one share that was worth two fifty now

0:17:10.600 --> 0:17:14.480
<v Speaker 1>today you know it might be worth two sixty because

0:17:14.520 --> 0:17:16.520
<v Speaker 1>of the excitement that people are having that, you know

0:17:16.560 --> 0:17:20.280
<v Speaker 1>that the shares are more affordable. So stock splits really

0:17:20.320 --> 0:17:23.320
<v Speaker 1>just mean that you have you have a stock that's

0:17:23.359 --> 0:17:26.400
<v Speaker 1>worth the same amount, just in different denominations. How it's

0:17:26.440 --> 0:17:28.840
<v Speaker 1>given to you to allow other people to enter into

0:17:29.200 --> 0:17:31.320
<v Speaker 1>the market as it relates to that particular stock.

0:17:31.720 --> 0:17:33.280
<v Speaker 3>So that's one of the reasons.

0:17:33.040 --> 0:17:34.680
<v Speaker 1>Why I had not bought Apple and Testa like a

0:17:34.760 --> 0:17:38.679
<v Speaker 1>silo pricey. So now you know I was able to

0:17:38.720 --> 0:17:41.400
<v Speaker 1>afford more. I yeah, so I'm excited about it.

0:17:41.600 --> 0:17:44.159
<v Speaker 2>I tell Enrinkue all the time. I'm like, Babe, we

0:17:44.200 --> 0:17:46.560
<v Speaker 2>do have Apple and Tesla's stock. Look at our index funds.

0:17:46.600 --> 0:17:48.560
<v Speaker 2>We got our total stock market index BOM, we got

0:17:48.560 --> 0:17:50.320
<v Speaker 2>our s and P five hundred index fund. He's like,

0:17:50.359 --> 0:17:53.320
<v Speaker 2>that's not the same. But do you remember, I think

0:17:53.359 --> 0:17:55.720
<v Speaker 2>we've actually been recording long enough for us to have

0:17:55.760 --> 0:17:58.040
<v Speaker 2>an episode. There's got to be one from twenty sixteen,

0:17:58.119 --> 0:18:00.000
<v Speaker 2>when we were we were saving up for the wedding.

0:18:00.080 --> 0:18:02.800
<v Speaker 2>We were living with Enrique's parents and he had the

0:18:03.240 --> 0:18:05.000
<v Speaker 2>and I was helping him pay his credit card off,

0:18:05.080 --> 0:18:06.719
<v Speaker 2>you know, credit card debt off that he had on

0:18:06.720 --> 0:18:08.840
<v Speaker 2>his own, you know, as we were just dating back then,

0:18:08.880 --> 0:18:11.840
<v Speaker 2>so he had his own little whatever credit debt, and

0:18:12.200 --> 0:18:15.040
<v Speaker 2>he took a thousand dollars out of the money we

0:18:15.040 --> 0:18:18.679
<v Speaker 2>were setting aside for the wedding. And he at the

0:18:18.720 --> 0:18:20.359
<v Speaker 2>time you had to like pay a thousand dollars to

0:18:20.400 --> 0:18:23.119
<v Speaker 2>reserve or your spot in line for a Tesla, like

0:18:23.359 --> 0:18:25.640
<v Speaker 2>just for the just for like a spot to buy

0:18:25.680 --> 0:18:28.000
<v Speaker 2>one a year from then, he gave a thousand dollars

0:18:28.000 --> 0:18:31.840
<v Speaker 2>of our money away, and I blew up at him.

0:18:31.840 --> 0:18:34.840
<v Speaker 2>I basically made him get it back, and he has

0:18:35.000 --> 0:18:37.880
<v Speaker 2>never let me forget it because he's like, imagine what

0:18:37.920 --> 0:18:39.520
<v Speaker 2>that would be if I And I was like, you know,

0:18:39.800 --> 0:18:41.720
<v Speaker 2>imagine I could have had a Tesla. And I was like, babe,

0:18:41.760 --> 0:18:44.840
<v Speaker 2>you know what, really, you know is sad about this.

0:18:44.920 --> 0:18:47.520
<v Speaker 2>Imagine if you've taken a thousand dollars and bought Tesla stock.

0:18:47.800 --> 0:18:50.920
<v Speaker 2>He had had one hundred titles by now, if he

0:18:50.920 --> 0:18:53.440
<v Speaker 2>would have took it what it was trading for then,

0:18:53.800 --> 0:18:55.439
<v Speaker 2>I don't think it was public at the time, but

0:18:55.560 --> 0:18:58.679
<v Speaker 2>it went public. My husband's been a little late to

0:18:58.720 --> 0:19:01.920
<v Speaker 2>the whole like stock investing game. I don't I don't,

0:19:02.040 --> 0:19:03.720
<v Speaker 2>you know. I thought you might be more into it,

0:19:03.760 --> 0:19:06.159
<v Speaker 2>but yeah, looking and I've always been like an index

0:19:06.200 --> 0:19:08.840
<v Speaker 2>fun girl. So I was never entertaining conversations about buying stock.

0:19:08.840 --> 0:19:10.480
<v Speaker 2>But yeah, I'm kind of like, boo, if you loved

0:19:10.520 --> 0:19:11.960
<v Speaker 2>him so much, why don't you just buy stock?

0:19:12.680 --> 0:19:12.920
<v Speaker 3>Yeah?

0:19:12.960 --> 0:19:14.800
<v Speaker 1>And you know, it's so crazy because my sister, Carol,

0:19:14.880 --> 0:19:18.200
<v Speaker 1>the engineer, she she told me about Tesla. I think

0:19:18.200 --> 0:19:20.240
<v Speaker 1>she bought Tesla when it was thirty dollars a share

0:19:20.359 --> 0:19:23.800
<v Speaker 1>something crazy. Oh wow, remember she got fifteen. She was

0:19:23.800 --> 0:19:25.480
<v Speaker 1>trying to convince all of us, and I was like, man,

0:19:25.480 --> 0:19:27.960
<v Speaker 1>I don't know what she's talking about. I never electric car.

0:19:28.240 --> 0:19:29.680
<v Speaker 2>Oh girl, that's.

0:19:29.480 --> 0:19:30.680
<v Speaker 3>So crazy talk.

0:19:31.240 --> 0:19:34.359
<v Speaker 1>She invested fifteen hundred dollars and got back like thirty

0:19:34.400 --> 0:19:35.040
<v Speaker 1>thousand or whatever.

0:19:35.160 --> 0:19:37.520
<v Speaker 3>She used to pay for her wedding. Can you imagine?

0:19:37.560 --> 0:19:39.680
<v Speaker 3>Oh wow, I remember, so imagine she still would have

0:19:39.720 --> 0:19:39.960
<v Speaker 3>had it.

0:19:40.000 --> 0:19:42.040
<v Speaker 2>Now what wait, she used it already.

0:19:42.119 --> 0:19:42.520
<v Speaker 3>Yeah.

0:19:42.640 --> 0:19:45.120
<v Speaker 1>I know. That's the thing because what she did, she

0:19:45.119 --> 0:19:47.320
<v Speaker 1>she was purposely investing for the wedding. She's like, Okay,

0:19:47.320 --> 0:19:49.639
<v Speaker 1>I want to pay for my wedding and I don't

0:19:49.680 --> 0:19:51.840
<v Speaker 1>want to come out of pocket like as far as

0:19:51.880 --> 0:19:53.520
<v Speaker 1>like you know, in the traditional sense.

0:19:53.720 --> 0:19:55.080
<v Speaker 3>And so that's what it was for she.

0:19:55.200 --> 0:19:59.920
<v Speaker 1>And herr her future husband at that time, they both

0:20:00.040 --> 0:20:03.119
<v Speaker 1>invested fifteen hundred. I think they either invested fifteen hundred

0:20:03.119 --> 0:20:07.639
<v Speaker 1>collectively or peace and it was a it was you know,

0:20:07.680 --> 0:20:09.879
<v Speaker 1>it was struggle because they were young, super young, in

0:20:09.920 --> 0:20:12.280
<v Speaker 1>her twenties, but they did it, and sure enough, by

0:20:12.280 --> 0:20:14.360
<v Speaker 1>the time they went to pull it out to pay

0:20:14.359 --> 0:20:17.040
<v Speaker 1>for the wedding, it was worth over thirty thousand dollars.

0:20:17.080 --> 0:20:19.600
<v Speaker 1>Her fifteen hundred dollars investment imagined down many.

0:20:19.720 --> 0:20:21.919
<v Speaker 2>How did they sleep knowing all their wedding fund was

0:20:21.960 --> 0:20:23.320
<v Speaker 2>tied up in this one stock?

0:20:23.960 --> 0:20:25.960
<v Speaker 1>I know, well, she had other stocks and things that

0:20:26.040 --> 0:20:28.560
<v Speaker 1>she because she's always invested, like she's the one.

0:20:28.760 --> 0:20:31.320
<v Speaker 3>I was like, I should have really listened. She told

0:20:31.359 --> 0:20:36.679
<v Speaker 3>me to buy Shopify, and I did. Mandy. I bought Shopify.

0:20:37.240 --> 0:20:40.080
<v Speaker 3>I bought three measly stingy.

0:20:39.640 --> 0:20:42.560
<v Speaker 1>Shares because I was like, what ever? And I bought

0:20:42.600 --> 0:20:44.760
<v Speaker 1>it for one hundred and forty three dollars. Do you

0:20:44.800 --> 0:20:47.159
<v Speaker 1>know how much one share is now? I don't know,

0:20:47.200 --> 0:20:49.520
<v Speaker 1>but we just signed up with them, and I'm wondering.

0:20:49.440 --> 0:20:52.720
<v Speaker 3>A thousand, sixty six dollars. I bought it for one

0:20:52.760 --> 0:20:56.199
<v Speaker 3>hundred and forty three. I bought three shares. Mandy, I

0:20:56.240 --> 0:20:57.040
<v Speaker 3>have made.

0:20:58.560 --> 0:21:00.800
<v Speaker 1>Imagine if I would have bought, like my total return

0:21:00.880 --> 0:21:03.959
<v Speaker 1>already has been twenty seven hundred dollars. And that's if

0:21:04.000 --> 0:21:06.720
<v Speaker 1>I just would have bought ten shares of Shopify. Can

0:21:06.760 --> 0:21:09.680
<v Speaker 1>you imagine from one hundred and fifty dollars to over

0:21:09.720 --> 0:21:11.359
<v Speaker 1>one thousand dollars is way each year and I have

0:21:11.400 --> 0:21:13.600
<v Speaker 1>only three measlely shared. I'm telling you all of my

0:21:13.640 --> 0:21:15.959
<v Speaker 1>stocks that are doing really well. I just asked her.

0:21:16.000 --> 0:21:17.439
<v Speaker 1>I'm like, she's in my wealth too. I'm like, so

0:21:17.560 --> 0:21:21.760
<v Speaker 1>yesterday i'd asked, I said, hey, stocks blitting tomorrow, would

0:21:21.800 --> 0:21:26.080
<v Speaker 1>you invest in Apple and Tesla? She was like, yes, Apple,

0:21:26.160 --> 0:21:28.560
<v Speaker 1>for sure. I don't know about Tesla. It's still is

0:21:28.560 --> 0:21:30.399
<v Speaker 1>a little like I don't know.

0:21:30.600 --> 0:21:32.680
<v Speaker 2>I don't know abouty Law.

0:21:32.840 --> 0:21:33.080
<v Speaker 1>I know.

0:21:33.280 --> 0:21:35.199
<v Speaker 3>So she was like, I would. So that's why I

0:21:35.240 --> 0:21:36.480
<v Speaker 3>was like, I got the ten shares of Tesla.

0:21:36.520 --> 0:21:38.040
<v Speaker 1>I was like, you know what, but Apple, I went

0:21:38.080 --> 0:21:40.000
<v Speaker 1>a little bit hard for I got fifty shares of Apple.

0:21:40.320 --> 0:21:41.480
<v Speaker 3>So said, I'm gonna ride this wave.

0:21:41.600 --> 0:21:43.320
<v Speaker 1>So I mean all in all over the I've been

0:21:43.880 --> 0:21:46.439
<v Speaker 1>I used Robinhood, so all in all over, like my

0:21:46.560 --> 0:21:49.359
<v Speaker 1>if I were to look at my of all time,

0:21:49.440 --> 0:21:52.480
<v Speaker 1>I started investing August fifth, twenty sixteen.

0:21:53.000 --> 0:21:55.440
<v Speaker 3>So like, what just just about five years ago?

0:21:55.520 --> 0:21:58.600
<v Speaker 1>Right? All in all my return it's fifty seven percent,

0:21:58.600 --> 0:21:59.520
<v Speaker 1>So I'm doing really good.

0:22:00.040 --> 0:22:03.080
<v Speaker 2>Wow, that's awesome. Yeah, so it sounds like your sister's

0:22:03.119 --> 0:22:05.560
<v Speaker 2>the investor needs. I was gonna say, literally, I'm just like,

0:22:05.560 --> 0:22:06.120
<v Speaker 2>what's it that I buy?

0:22:07.080 --> 0:22:10.280
<v Speaker 1>When Docusigne came out, I remember when it was like ipoing,

0:22:10.840 --> 0:22:13.280
<v Speaker 1>you know, she was like, uh, DocuSign is an IPO.

0:22:13.640 --> 0:22:16.280
<v Speaker 1>I suggest everybody get ready. So I bought docu sign

0:22:16.359 --> 0:22:18.919
<v Speaker 1>and Docusigne also too, is doing very well. So I'm

0:22:18.960 --> 0:22:21.320
<v Speaker 1>not gonna lie. I wouldn't call myself an investor. I'm

0:22:21.359 --> 0:22:23.879
<v Speaker 1>just someone who says, so, Carol, Hey, how you doing?

0:22:23.920 --> 0:22:24.440
<v Speaker 1>How the kids?

0:22:25.400 --> 0:22:26.600
<v Speaker 3>What should I buy?

0:22:27.160 --> 0:22:27.320
<v Speaker 1>Well?

0:22:27.359 --> 0:22:29.119
<v Speaker 2>This is the exciting thing if you guys are listening.

0:22:29.200 --> 0:22:31.600
<v Speaker 2>I think again, the emotion I think a lot of

0:22:31.600 --> 0:22:33.840
<v Speaker 2>people feel, and this is what my husband's been feeling,

0:22:33.880 --> 0:22:36.280
<v Speaker 2>is that fomo like, ah, should I missed a good deal?

0:22:37.480 --> 0:22:41.320
<v Speaker 2>I did read an article recently about what it wasn't

0:22:41.320 --> 0:22:42.600
<v Speaker 2>the article I think I was. I guess like the

0:22:42.680 --> 0:22:46.200
<v Speaker 2>Robin Hood's next newsletter that I read, and which is

0:22:46.240 --> 0:22:48.359
<v Speaker 2>a good newsletter? You know, quick and easy read if

0:22:48.400 --> 0:22:50.160
<v Speaker 2>you if you want to looking for a new newsletter.

0:22:50.160 --> 0:22:53.280
<v Speaker 2>I also like the Minority Mindset newsletter. But anyway, they

0:22:53.320 --> 0:22:55.359
<v Speaker 2>were talking about how it's kind of IPO season is

0:22:55.440 --> 0:22:58.560
<v Speaker 2>upon us, and that means a lot of companies are

0:22:58.560 --> 0:23:01.040
<v Speaker 2>about to go public and you should keep your eyes

0:23:01.080 --> 0:23:03.320
<v Speaker 2>peeled because you know, I pos if you picked the

0:23:03.359 --> 0:23:06.160
<v Speaker 2>right one, like Tiffany said, uh, you know you can.

0:23:06.480 --> 0:23:09.399
<v Speaker 2>It's kind of like striking gold. But the other the

0:23:09.440 --> 0:23:12.560
<v Speaker 2>other emotion, my overriding emotion is always like, oh shit,

0:23:12.640 --> 0:23:15.800
<v Speaker 2>this is scary. But I wanted to ask you, tiff

0:23:15.920 --> 0:23:19.879
<v Speaker 2>like with your with buying Apple and and Tesla, do

0:23:19.920 --> 0:23:23.360
<v Speaker 2>you see those as long term investments? Like and did

0:23:23.400 --> 0:23:26.080
<v Speaker 2>you put more money in? Did you put additional funds

0:23:26.080 --> 0:23:29.960
<v Speaker 2>into your portfolio to buy them? Or did you exchange

0:23:30.320 --> 0:23:32.560
<v Speaker 2>existing stocks to buy the new one.

0:23:32.600 --> 0:23:34.639
<v Speaker 3>I've never sold any stocks, so I always think of

0:23:34.640 --> 0:23:35.280
<v Speaker 3>it as long term.

0:23:35.280 --> 0:23:37.840
<v Speaker 1>So I what I did was I had been setting

0:23:37.840 --> 0:23:40.520
<v Speaker 1>aside because the way it works in rob so I

0:23:40.560 --> 0:23:42.320
<v Speaker 1>learned the hardway the first time I wanted to buy

0:23:42.359 --> 0:23:45.119
<v Speaker 1>something that you have to have the money clear and

0:23:45.160 --> 0:23:46.280
<v Speaker 1>sitting basically in Robber.

0:23:46.600 --> 0:23:48.800
<v Speaker 2>Yeah, it's transfer time.

0:23:48.840 --> 0:23:52.359
<v Speaker 1>You're like you know, I learned the hardway to get

0:23:52.400 --> 0:23:55.440
<v Speaker 1>the money in your account exactly is I've been transferring

0:23:55.480 --> 0:23:58.000
<v Speaker 1>like a few hundred here, a few hundred here, just waiting.

0:23:58.240 --> 0:24:00.359
<v Speaker 1>So by the time this came up, I had a

0:24:00.359 --> 0:24:03.760
<v Speaker 1>few thousand over the last few months sitting for me

0:24:03.840 --> 0:24:05.480
<v Speaker 1>setting aside, because you know, what I'll do is like

0:24:05.520 --> 0:24:08.400
<v Speaker 1>I set aside for emergency savings, but that's fully stopped.

0:24:08.480 --> 0:24:10.000
<v Speaker 3>I put a side of money for our retirement.

0:24:10.080 --> 0:24:12.119
<v Speaker 1>So these are things that you know, builds, things like that,

0:24:12.160 --> 0:24:13.560
<v Speaker 1>and then I'm like, oh, I've got an extra hundred

0:24:13.560 --> 0:24:15.440
<v Speaker 1>and fifty dollars, you know what, let me put it here.

0:24:15.680 --> 0:24:18.000
<v Speaker 1>So one of the thing is like with my older

0:24:18.080 --> 0:24:22.240
<v Speaker 1>sister Karen, she has made tens of thousands since COVID,

0:24:22.720 --> 0:24:25.159
<v Speaker 1>and she and her husband have a ruled if they

0:24:25.240 --> 0:24:27.399
<v Speaker 1>can't buy I think it says they can't buy seventy shares,

0:24:27.800 --> 0:24:30.360
<v Speaker 1>they don't buy. So, because you know, if you buy

0:24:30.359 --> 0:24:33.320
<v Speaker 1>a significant amount, like for example, if I would have

0:24:33.320 --> 0:24:36.600
<v Speaker 1>buy seventy shares of Shopify girl, I would have had

0:24:36.640 --> 0:24:41.760
<v Speaker 1>over one hundred thousand dollars in earnings and well in growth, right,

0:24:41.840 --> 0:24:45.080
<v Speaker 1>And so that's what I this time around when my

0:24:45.119 --> 0:24:47.119
<v Speaker 1>sister Carol told me that that's what Karen and her

0:24:47.160 --> 0:24:49.679
<v Speaker 1>husband were doing. I said, you know what, Tiffany, if

0:24:49.680 --> 0:24:52.199
<v Speaker 1>you're gonna buy, buy like you, you know you've been

0:24:52.200 --> 0:24:53.399
<v Speaker 1>setting aside, setting aside.

0:24:53.400 --> 0:24:54.280
<v Speaker 3>That's what this is for.

0:24:54.640 --> 0:24:56.720
<v Speaker 1>So, like I said, I bought fifty shares of Apple

0:24:56.720 --> 0:24:59.040
<v Speaker 1>and I bought ten shares of Tesla because Tesla was

0:24:59.080 --> 0:25:01.560
<v Speaker 1>still expensive and with the stack split it was like

0:25:01.600 --> 0:25:03.360
<v Speaker 1>four hundred or something dollars, so it wasn't it wasn't

0:25:03.359 --> 0:25:05.439
<v Speaker 1>a cheap thing. But yeah, so for me, I'm not

0:25:05.520 --> 0:25:07.480
<v Speaker 1>looking to buy sale buy, so I'm definitely not a trader.

0:25:07.520 --> 0:25:09.119
<v Speaker 1>I just really want to buy and hold on to it,

0:25:09.520 --> 0:25:11.440
<v Speaker 1>buy and hold on and help the supplement later.

0:25:12.000 --> 0:25:12.800
<v Speaker 3>Next thing I want to.

0:25:12.720 --> 0:25:15.360
<v Speaker 1>Start to do start to buy stocks that give dividends

0:25:15.400 --> 0:25:18.760
<v Speaker 1>like the McDonald's, you know, or you could buy ETF

0:25:18.840 --> 0:25:21.240
<v Speaker 1>that yield dividends. But I want to start to buy

0:25:21.560 --> 0:25:24.160
<v Speaker 1>stocks like that and then reinvest the dividends and see

0:25:24.640 --> 0:25:25.080
<v Speaker 1>because for.

0:25:25.040 --> 0:25:29.840
<v Speaker 2>Mex funds paid dividends, I'm a fan of yeah, all

0:25:29.880 --> 0:25:33.679
<v Speaker 2>the because I love to watch. Now. I set up

0:25:33.720 --> 0:25:35.440
<v Speaker 2>text alerts, even though I said I wasn't gonna I

0:25:35.480 --> 0:25:38.560
<v Speaker 2>get like a weekly alert about the portfolio. And yeah,

0:25:38.560 --> 0:25:42.560
<v Speaker 2>the dividend index funds that I have are beautiful. I'm like,

0:25:42.600 --> 0:25:44.520
<v Speaker 2>they just give me hundreds of dollars and I'm just like,

0:25:45.440 --> 0:25:48.040
<v Speaker 2>and it automatically reinvests it, which is nice through Vanguard,

0:25:48.760 --> 0:25:52.119
<v Speaker 2>But where we tell people, hey, we're not investment advisors.

0:25:51.880 --> 0:25:53.600
<v Speaker 3>Yeah, not at all. We're just talking about our experience.

0:25:53.680 --> 0:25:55.800
<v Speaker 2>We are talking about our experience. And you know what,

0:25:56.160 --> 0:25:58.560
<v Speaker 2>this is the kind of I'm excited that we're talking

0:25:58.560 --> 0:26:02.000
<v Speaker 2>more about investing and and I and it's it's also

0:26:02.320 --> 0:26:04.320
<v Speaker 2>you know where we're at. I think TIF and I

0:26:04.359 --> 0:26:06.680
<v Speaker 2>we started the show and certainly in way different places

0:26:06.680 --> 0:26:09.000
<v Speaker 2>than we are now in our lives. And this is

0:26:09.000 --> 0:26:11.080
<v Speaker 2>what it's about. Let's let's talk about building wealth and

0:26:11.119 --> 0:26:14.040
<v Speaker 2>growing wealth. I am. I am convinced that no one

0:26:14.080 --> 0:26:17.400
<v Speaker 2>wants us to know this because if if we don't

0:26:17.440 --> 0:26:19.399
<v Speaker 2>know how to how to build wealth in the market,

0:26:19.560 --> 0:26:21.960
<v Speaker 2>then who's going to work for the companies, who's going

0:26:22.000 --> 0:26:25.400
<v Speaker 2>to you know, who's going to be in the service industry,

0:26:26.040 --> 0:26:28.440
<v Speaker 2>who's gonna work who's gonna be working in retail, who's

0:26:28.480 --> 0:26:31.040
<v Speaker 2>going to be holding up these major corporations while other

0:26:31.080 --> 0:26:33.920
<v Speaker 2>people get rich. It's us people who look like us.

0:26:33.960 --> 0:26:37.359
<v Speaker 2>And I know that maybe that's the most obvious statement

0:26:37.400 --> 0:26:40.480
<v Speaker 2>ever said ever, but it is something that I cannot

0:26:40.480 --> 0:26:42.359
<v Speaker 2>get out of my head. They don't want us to

0:26:42.400 --> 0:26:44.640
<v Speaker 2>know this, and it is an act of you know, Tiff,

0:26:44.680 --> 0:26:47.720
<v Speaker 2>and I think there's sometimes we've covered you know, a

0:26:47.840 --> 0:26:51.760
<v Speaker 2>sad you know, the latest uh, you know, the latest

0:26:51.800 --> 0:26:54.840
<v Speaker 2>person to be shot by police. You know, debts and

0:26:54.840 --> 0:26:58.879
<v Speaker 2>and you know, even talked about recently how homes are

0:26:58.920 --> 0:27:02.720
<v Speaker 2>literally undervalue by appraisers if you're black, you know, owning

0:27:02.760 --> 0:27:03.040
<v Speaker 2>the house.

0:27:03.119 --> 0:27:04.520
<v Speaker 3>And I got an update for you on that too,

0:27:04.600 --> 0:27:05.520
<v Speaker 3>but go ahead, okay.

0:27:06.119 --> 0:27:08.520
<v Speaker 2>And we kind of have these moments where we're like, oh,

0:27:08.880 --> 0:27:10.480
<v Speaker 2>what can we do now? What do we sell? What

0:27:10.480 --> 0:27:12.159
<v Speaker 2>do we tell the listeners? And part of me is

0:27:12.200 --> 0:27:15.080
<v Speaker 2>like the revolution is to play their game and play

0:27:15.119 --> 0:27:19.399
<v Speaker 2>it for yourself and and and knowledge is the power,

0:27:19.520 --> 0:27:23.040
<v Speaker 2>Like we don't have to we should all. And it's

0:27:23.080 --> 0:27:24.920
<v Speaker 2>not even about like you can have like be the

0:27:24.960 --> 0:27:28.080
<v Speaker 2>next door millionaire. You know, you can be that nextra millionaire.

0:27:28.280 --> 0:27:30.919
<v Speaker 2>Like I imagine if anyone had leaned into my father or

0:27:30.960 --> 0:27:35.000
<v Speaker 2>my aunt or you know, my cousins in Atlanta whose

0:27:35.040 --> 0:27:38.040
<v Speaker 2>lives are extremely different than my mom's side of the family.

0:27:38.119 --> 0:27:40.640
<v Speaker 2>And I can't you know, for and I can think

0:27:40.680 --> 0:27:43.720
<v Speaker 2>of a few reasons why that is. And it's all

0:27:43.760 --> 0:27:46.560
<v Speaker 2>because of you know, or not all, but largely because

0:27:46.560 --> 0:27:49.879
<v Speaker 2>of the you know, the systemic, the systemic toll of

0:27:49.960 --> 0:27:52.080
<v Speaker 2>racism in this country and how it taxes your you know,

0:27:52.119 --> 0:27:56.080
<v Speaker 2>earnings and your your opportunity and all that. But I'm like,

0:27:56.119 --> 0:27:58.640
<v Speaker 2>if anyone had just told them, you know, ten twenty

0:27:58.720 --> 0:28:01.440
<v Speaker 2>years ago, hey, one hundred bucks into an index fund,

0:28:01.520 --> 0:28:03.880
<v Speaker 2>or hey, you know, save ten bucks from your paycheck

0:28:03.880 --> 0:28:07.480
<v Speaker 2>and invest it, like it's the knowledge that is the

0:28:07.520 --> 0:28:10.639
<v Speaker 2>key to financial freedom. And you know, I think with

0:28:10.720 --> 0:28:13.400
<v Speaker 2>Brown Ambition Tip, I feel like it's almost our responsibility

0:28:13.400 --> 0:28:15.879
<v Speaker 2>now to talk more about this because it's you know,

0:28:16.119 --> 0:28:18.680
<v Speaker 2>and I'm excited to be talking more about it, and

0:28:18.840 --> 0:28:21.399
<v Speaker 2>you guys send us your questions. Brown Ambition Podcast at

0:28:21.400 --> 0:28:25.560
<v Speaker 2>gmail dot com. Again, we're not stocking, we're not investment advisors.

0:28:25.600 --> 0:28:28.159
<v Speaker 2>This is all. We're just showing you our opinion what

0:28:28.240 --> 0:28:30.520
<v Speaker 2>has worked for us. The point is that we're talking

0:28:30.520 --> 0:28:33.320
<v Speaker 2>about it. It shouldn't be a scary subject, and we hope,

0:28:33.680 --> 0:28:36.439
<v Speaker 2>you know, by talking about it, that it will encourage

0:28:36.440 --> 0:28:37.919
<v Speaker 2>you to be a little bit more curious and to

0:28:38.000 --> 0:28:41.080
<v Speaker 2>learn a little bit more. And I'm glad that we're

0:28:41.200 --> 0:28:41.760
<v Speaker 2>we're doing it.

0:28:42.680 --> 0:28:44.240
<v Speaker 3>Yes, So I just wanted to give you an update

0:28:44.280 --> 0:28:44.840
<v Speaker 3>about the home.

0:28:44.880 --> 0:28:48.560
<v Speaker 1>So remember we talked about that woman Abina whose home

0:28:48.680 --> 0:28:53.360
<v Speaker 1>was undervalued by like one hundred and sixty thousand dollars. Yes, So,

0:28:53.440 --> 0:28:55.320
<v Speaker 1>you know, the New York Times did this whole article

0:28:55.600 --> 0:28:58.000
<v Speaker 1>I saw on mm HM. So I was interviewed for

0:28:58.040 --> 0:29:00.800
<v Speaker 1>that article too, but they just had so many story

0:29:00.960 --> 0:29:03.960
<v Speaker 1>so they, you know, they didn't share my story. But

0:29:04.040 --> 0:29:07.160
<v Speaker 1>what I didn't know is so the reporter who wrote

0:29:07.160 --> 0:29:10.040
<v Speaker 1>the article, she was tweeting. I guess people were kind

0:29:10.040 --> 0:29:12.360
<v Speaker 1>of asking her, like, you know, what, how did she

0:29:12.400 --> 0:29:13.480
<v Speaker 1>do the research for the article?

0:29:13.560 --> 0:29:15.680
<v Speaker 3>She'd been doing She'd been working on an article for

0:29:15.720 --> 0:29:16.560
<v Speaker 3>like a month. I mean, she.

0:29:16.560 --> 0:29:20.960
<v Speaker 1>Interviewed my realtor, I gave her a copy of my appraisal,

0:29:21.120 --> 0:29:22.680
<v Speaker 1>all these things. I mean, she and she interviewed a

0:29:22.680 --> 0:29:25.800
<v Speaker 1>couple of other people that I shared with her. So

0:29:26.040 --> 0:29:30.200
<v Speaker 1>she wrote me or just posted on Twitter. She said

0:29:31.120 --> 0:29:33.959
<v Speaker 1>all the stories didn't make it in. For example, Tiffany

0:29:34.040 --> 0:29:36.040
<v Speaker 1>the Budganista, when we looked at her appraisal, I did

0:29:36.080 --> 0:29:38.600
<v Speaker 1>not know this. I was like what she said, when

0:29:38.600 --> 0:29:43.160
<v Speaker 1>they looked at my appraisal, that the appraiser she had,

0:29:43.320 --> 0:29:47.040
<v Speaker 1>she had an independent appraiser look at the appraisals, you know,

0:29:47.080 --> 0:29:49.200
<v Speaker 1>who didn't know me, who didn't know anything. And so

0:29:49.360 --> 0:29:53.200
<v Speaker 1>the appraisal praiser that came to my house, they put

0:29:53.240 --> 0:29:56.760
<v Speaker 1>me under a category that's called C three, which is

0:29:56.800 --> 0:29:59.480
<v Speaker 1>a house with normal wear and tear versus C two,

0:30:00.080 --> 0:30:02.200
<v Speaker 1>which is what you would put a house that has

0:30:02.240 --> 0:30:05.240
<v Speaker 1>been gutted and renovated. My house wasn't even a year

0:30:05.280 --> 0:30:08.600
<v Speaker 1>old when he came to appraise the house. It has

0:30:08.600 --> 0:30:12.880
<v Speaker 1>been renovated. I mean, we have HVAC, new plumbing, new electric,

0:30:12.960 --> 0:30:17.000
<v Speaker 1>new for literally everything. And this house is new, brand

0:30:17.000 --> 0:30:19.560
<v Speaker 1>new house. And so for them to categorize us as

0:30:19.600 --> 0:30:23.680
<v Speaker 1>a wear and tear regular house is very intentional and telling.

0:30:23.880 --> 0:30:25.959
<v Speaker 1>And then on top of that, she said that the

0:30:26.040 --> 0:30:28.880
<v Speaker 1>comps that they compared me to were not renovated homes.

0:30:29.200 --> 0:30:31.680
<v Speaker 1>So how are you comparing my house to an old

0:30:31.720 --> 0:30:35.880
<v Speaker 1>house that has not been renovated, and then also categorizing

0:30:35.880 --> 0:30:38.040
<v Speaker 1>my house as a regular wear and tear house. That's

0:30:38.080 --> 0:30:40.880
<v Speaker 1>why my appraisal came back thirty thousand dollars. That's how

0:30:40.880 --> 0:30:43.800
<v Speaker 1>they justified saying my house was thirty to forty thousand

0:30:43.800 --> 0:30:44.400
<v Speaker 1>dollars less.

0:30:44.560 --> 0:30:46.680
<v Speaker 3>I didn't even know that. When she tweeted that, I

0:30:46.720 --> 0:30:49.560
<v Speaker 3>was like, wait what. I didn't know why. I didn't

0:30:49.560 --> 0:30:51.720
<v Speaker 3>know specifically in because I didn't know what to look for.

0:30:52.160 --> 0:30:54.680
<v Speaker 1>So you know, that just was like a gut punch,

0:30:55.080 --> 0:30:56.840
<v Speaker 1>and I'm just like, I honestly don't know what you're

0:30:56.840 --> 0:30:59.640
<v Speaker 1>supposed to do. Actually, like I was in contact with

0:30:59.640 --> 0:31:01.680
<v Speaker 1>a being, I'm going to like reach back out to

0:31:01.680 --> 0:31:03.680
<v Speaker 1>her so we can do a Facebook Love Instagram live.

0:31:03.720 --> 0:31:05.440
<v Speaker 3>It was so busy at that time because they.

0:31:05.360 --> 0:31:09.240
<v Speaker 1>Didn't want to Abin is the woman whose house was

0:31:09.800 --> 0:31:12.600
<v Speaker 1>the New York time. We had been instagramming and she's,

0:31:12.640 --> 0:31:14.120
<v Speaker 1>oh my god, I love what shed dow Tiffany, and

0:31:14.160 --> 0:31:16.400
<v Speaker 1>so we were supposed to do an ig live a

0:31:16.440 --> 0:31:18.400
<v Speaker 1>few weeks ago. It just got to be too busy

0:31:18.440 --> 0:31:19.800
<v Speaker 1>for me. But I want to do one because I

0:31:19.800 --> 0:31:21.960
<v Speaker 1>want her to not only share her story, but to

0:31:22.080 --> 0:31:25.600
<v Speaker 1>share what is it that she did? Like what can

0:31:25.640 --> 0:31:29.080
<v Speaker 1>you do when that happens? Because you know, it's one

0:31:29.080 --> 0:31:31.719
<v Speaker 1>thing to be angry. So, as y'all know, I decided

0:31:31.760 --> 0:31:33.959
<v Speaker 1>not to not to refinance my house and do her

0:31:33.960 --> 0:31:36.880
<v Speaker 1>cash out. But it's one thing to be angry, it's

0:31:36.880 --> 0:31:38.600
<v Speaker 1>another thing to be like, so what do I do

0:31:38.640 --> 0:31:39.480
<v Speaker 1>when that happens?

0:31:39.600 --> 0:31:41.080
<v Speaker 3>You know, what do I do?

0:31:41.360 --> 0:31:44.080
<v Speaker 2>In her case? I mean, she she swapped out all

0:31:44.080 --> 0:31:47.080
<v Speaker 2>the photos and she left with her son right and

0:31:47.280 --> 0:31:51.040
<v Speaker 2>her white husband was there with and I mean, Tiff,

0:31:51.120 --> 0:31:53.440
<v Speaker 2>you got the appraisal. So that was a bank that

0:31:53.560 --> 0:31:55.000
<v Speaker 2>you're the bank that you were going to refinance. I

0:31:55.040 --> 0:31:56.400
<v Speaker 2>know you didn't end up doing it, but they sent

0:31:56.440 --> 0:31:57.360
<v Speaker 2>the appraiser out there.

0:31:57.880 --> 0:32:00.200
<v Speaker 1>Yeah, the banks send here. But you can't just get like, say, hey,

0:32:00.200 --> 0:32:03.120
<v Speaker 1>this is my appraisal. Guy, take his word for it,

0:32:03.160 --> 0:32:06.040
<v Speaker 1>because the bank is basically like, this is my investment.

0:32:06.480 --> 0:32:09.520
<v Speaker 1>I want my person to come or whoever it is,

0:32:09.560 --> 0:32:12.160
<v Speaker 1>to do an appraisal of the house, you know, because

0:32:12.360 --> 0:32:13.880
<v Speaker 1>they don't want obviously they don't want it to be

0:32:13.880 --> 0:32:17.600
<v Speaker 1>inflated either. But so you can always go back to

0:32:17.600 --> 0:32:19.600
<v Speaker 1>the bank and say, hey, I don't think this is fair.

0:32:19.760 --> 0:32:22.680
<v Speaker 1>But here's the thing. I don't I never heard of

0:32:22.760 --> 0:32:25.720
<v Speaker 1>C two, C three. I didn't, you know what I mean, Like,

0:32:25.800 --> 0:32:30.440
<v Speaker 1>I didn't. I didn't know the ways that people could

0:32:30.960 --> 0:32:34.600
<v Speaker 1>appraise your house for less. It's just so disheartening, you know,

0:32:34.800 --> 0:32:36.760
<v Speaker 1>that's not It's the reason why I didn't be financed.

0:32:36.760 --> 0:32:39.040
<v Speaker 1>I was like, you know what, forget this, I'm not

0:32:39.080 --> 0:32:40.840
<v Speaker 1>doing it. You know, I'll just keep the money in

0:32:40.880 --> 0:32:42.720
<v Speaker 1>the house and have no mortgage like we've been having.

0:32:42.920 --> 0:32:45.920
<v Speaker 1>It was really disheartened because I was like, what, like, yo,

0:32:46.080 --> 0:32:47.600
<v Speaker 1>I bought this house for one eighty. I put one

0:32:47.600 --> 0:32:49.640
<v Speaker 1>eighty into it. How are you telling me it's worth

0:32:50.160 --> 0:32:53.720
<v Speaker 1>you know, three ninety. That's no, it's not. It was

0:32:53.760 --> 0:32:57.240
<v Speaker 1>worth three something when we before we renovated it, Like

0:32:57.440 --> 0:32:58.840
<v Speaker 1>it was that was you know what I mean, Like,

0:32:58.840 --> 0:33:00.680
<v Speaker 1>that's what it was worth. That's what it was. Like

0:33:00.720 --> 0:33:02.840
<v Speaker 1>the market said it was worth it. I'm like, and

0:33:02.920 --> 0:33:04.640
<v Speaker 1>especially during times like now.

0:33:04.920 --> 0:33:06.520
<v Speaker 3>So it was just really.

0:33:08.120 --> 0:33:10.680
<v Speaker 1>Yeah, disheartening to be like you would come to my

0:33:10.720 --> 0:33:12.320
<v Speaker 1>house talk about how nice it was. But I could

0:33:12.360 --> 0:33:14.120
<v Speaker 1>tell that there was a sense of like, you guys

0:33:14.160 --> 0:33:17.360
<v Speaker 1>live here. It's just like I said, it's just really frustrated.

0:33:17.360 --> 0:33:18.560
<v Speaker 1>But I just wanted to give you guys that update

0:33:18.560 --> 0:33:20.160
<v Speaker 1>because a bunch of you taged me in the article

0:33:20.200 --> 0:33:22.600
<v Speaker 1>Liketivity was talking about it. So hopefully I also do

0:33:22.720 --> 0:33:25.200
<v Speaker 1>like I said, alive with Abina. It's just been so crazy.

0:33:25.200 --> 0:33:28.000
<v Speaker 1>I wish I had done it earlier, but whatever, maybe

0:33:28.000 --> 0:33:30.680
<v Speaker 1>now is a good time, now that the Times article

0:33:30.680 --> 0:33:32.800
<v Speaker 1>has come out, and so people can just hear from

0:33:32.800 --> 0:33:35.200
<v Speaker 1>someone that has happened to and you know what she

0:33:35.320 --> 0:33:39.800
<v Speaker 1>did and what she did to basically get that, you know,

0:33:39.920 --> 0:33:44.000
<v Speaker 1>get a reversal of that unfair racist appraisal.

0:33:44.240 --> 0:33:47.720
<v Speaker 2>So I'm one hundred percent listening with open ears. Or

0:33:47.880 --> 0:33:50.320
<v Speaker 2>we bought our home and I always call it this

0:33:50.360 --> 0:33:52.600
<v Speaker 2>little hidden gem, but I understand a lot of people

0:33:52.600 --> 0:33:55.200
<v Speaker 2>would't consider my neighborhood hiden gem in the suburbs because

0:33:55.480 --> 0:33:57.440
<v Speaker 2>typically you think about the suburbs outside of New York

0:33:57.480 --> 0:34:00.160
<v Speaker 2>and you think of wealthy white people. Our neighborhood it

0:34:00.200 --> 0:34:02.240
<v Speaker 2>is this. I consider it a hit and gym because

0:34:02.280 --> 0:34:05.400
<v Speaker 2>it is a lot of black, working class families. This

0:34:05.440 --> 0:34:09.279
<v Speaker 2>neighborhood was founded right after World War Two, and you

0:34:09.760 --> 0:34:13.440
<v Speaker 2>feel like this is like this little oasis where black

0:34:13.480 --> 0:34:16.640
<v Speaker 2>people were able to afford a home and start a

0:34:16.680 --> 0:34:19.120
<v Speaker 2>life and have families. And it feels like the you know,

0:34:19.200 --> 0:34:21.520
<v Speaker 2>the type of neighborhood that you don't see too often.

0:34:22.000 --> 0:34:24.840
<v Speaker 2>And at the same time, we found a fixer up

0:34:24.880 --> 0:34:28.799
<v Speaker 2>here had a really good deal. And I worry that

0:34:29.360 --> 0:34:31.359
<v Speaker 2>the neighborhood that we're in, we're in we're in one

0:34:31.400 --> 0:34:34.160
<v Speaker 2>of the top rated school districts, you know, within all

0:34:34.200 --> 0:34:36.440
<v Speaker 2>the amenities and all that thing, but when you look

0:34:36.480 --> 0:34:39.960
<v Speaker 2>on Zillo, the homes in this neighborhood are routinely like

0:34:40.160 --> 0:34:42.880
<v Speaker 2>way less than what you see even just like a

0:34:42.880 --> 0:34:46.640
<v Speaker 2>block or two away in different neighborhoods. And I'm in

0:34:46.680 --> 0:34:50.160
<v Speaker 2>a mom's Facebook group on Facebook, a mom's of my

0:34:50.440 --> 0:34:52.960
<v Speaker 2>you know, my county and on Facebook, and there was

0:34:53.000 --> 0:34:55.799
<v Speaker 2>someone kind of talking about looking for a home at

0:34:55.840 --> 0:34:58.400
<v Speaker 2>an affordable price and she can't find any. And I

0:34:58.480 --> 0:35:00.560
<v Speaker 2>was like, well, look out our neighborhood. And as I

0:35:00.640 --> 0:35:02.520
<v Speaker 2>was saying, and I'm like, wait, why are the homes

0:35:02.560 --> 0:35:05.560
<v Speaker 2>here so much more affordable? I know there's a lot

0:35:05.560 --> 0:35:09.160
<v Speaker 2>of fixer uppers, but yeah, so I'm thinking about that,

0:35:09.200 --> 0:35:10.680
<v Speaker 2>and I am sure as hell will be thinking about

0:35:10.680 --> 0:35:13.000
<v Speaker 2>it if we ever decide to sell or get an

0:35:13.040 --> 0:35:17.000
<v Speaker 2>appraisal in the future, because this, you know, we we

0:35:17.120 --> 0:35:18.640
<v Speaker 2>have to stand up and ask for more. And I

0:35:18.640 --> 0:35:21.960
<v Speaker 2>almost want to get local officials involved too, you know,

0:35:22.680 --> 0:35:25.400
<v Speaker 2>there's got to be you know, whatever you know, organization

0:35:25.480 --> 0:35:30.480
<v Speaker 2>maybe regulates appraisals or you know, the town councilmen who

0:35:30.560 --> 0:35:34.680
<v Speaker 2>who should be you know, concerned about you know, citizens

0:35:34.680 --> 0:35:37.240
<v Speaker 2>and our property values and all that. Like, I feel

0:35:37.280 --> 0:35:40.160
<v Speaker 2>like there's a conversation to be had, and I'm glad

0:35:40.200 --> 0:35:43.359
<v Speaker 2>that through all this mess, people are open to hearing it,

0:35:43.400 --> 0:35:46.960
<v Speaker 2>because I think what's fundamentally changed is the conversation where

0:35:46.960 --> 0:35:49.520
<v Speaker 2>people are willing to under willing to understand and accept

0:35:49.960 --> 0:35:52.360
<v Speaker 2>that someone can be discriminated against on the basis of

0:35:52.400 --> 0:35:54.560
<v Speaker 2>their skin, you know, for the value of their home.

0:35:55.800 --> 0:35:58.399
<v Speaker 2>Because it's so hard to prove sometimes and people don't

0:35:58.400 --> 0:36:00.399
<v Speaker 2>want to hear it. And I'm so glad people willing

0:36:00.440 --> 0:36:01.399
<v Speaker 2>to listen and hear that now.

0:36:01.480 --> 0:36:03.839
<v Speaker 1>So yes, And I'm glad the Times did a thing

0:36:03.880 --> 0:36:05.840
<v Speaker 1>on it, because you know, people respect the New York Times.

0:36:05.960 --> 0:36:08.160
<v Speaker 2>They do it matters when they write about it, it really

0:36:08.480 --> 0:36:12.640
<v Speaker 2>like legitimizes it for sure. Well, I'm sorry they didn't

0:36:12.640 --> 0:36:15.160
<v Speaker 2>put you in the article, but that I'm glad that

0:36:15.160 --> 0:36:18.560
<v Speaker 2>that reporter you know, shared that with you, because even

0:36:18.640 --> 0:36:20.920
<v Speaker 2>if you didn't need it, at least it still validates

0:36:20.920 --> 0:36:21.640
<v Speaker 2>that feeling of it.

0:36:22.400 --> 0:36:23.719
<v Speaker 1>You know, I'm not gonna lie I remember we talked

0:36:23.719 --> 0:36:25.279
<v Speaker 1>about it and you were like, oh, it's sure, and

0:36:25.360 --> 0:36:27.800
<v Speaker 1>I'm not gonna lie. They was like, ah am I bugging?

0:36:27.960 --> 0:36:30.600
<v Speaker 1>Well maybe it's bugging girl. I know you love your house,

0:36:30.640 --> 0:36:32.759
<v Speaker 1>but maybe it's not that serious. And when she was like,

0:36:32.920 --> 0:36:35.759
<v Speaker 1>uh no, he is someone he's not even at your

0:36:35.760 --> 0:36:38.359
<v Speaker 1>house and he's reading this like mmmm, it's clear they're

0:36:38.360 --> 0:36:40.080
<v Speaker 1>saying all these things are new, new, new, new new.

0:36:40.120 --> 0:36:41.520
<v Speaker 3>Why did they put you in this category?

0:36:41.719 --> 0:36:43.960
<v Speaker 1>And the houses that they have comps, none of those

0:36:44.000 --> 0:36:47.360
<v Speaker 1>are renovated, those are not comparables. It's not comparable to

0:36:47.480 --> 0:36:50.279
<v Speaker 1>your home. And I was just like, wow, this is

0:36:50.280 --> 0:36:53.480
<v Speaker 1>someone who you know. Yeah, I just thought like I

0:36:53.600 --> 0:36:56.000
<v Speaker 1>was just it just made me feel because I hate

0:36:56.040 --> 0:36:58.480
<v Speaker 1>sometimes feeling like oh are you the black person that's

0:36:58.520 --> 0:37:02.239
<v Speaker 1>always sack kind of black things? And it's like, yeah,

0:37:02.239 --> 0:37:03.960
<v Speaker 1>it would be so nice not to have to talk

0:37:04.000 --> 0:37:05.840
<v Speaker 1>about it. Sorry that it is bugging you. I have

0:37:05.880 --> 0:37:08.799
<v Speaker 1>to live it, you know. And so it's like it

0:37:08.880 --> 0:37:11.200
<v Speaker 1>just gave me a validation that I wasn't bugging because

0:37:11.200 --> 0:37:13.600
<v Speaker 1>that's what I felt it and I and I knew it,

0:37:13.640 --> 0:37:15.600
<v Speaker 1>but I didn't know it know it, and to know

0:37:15.680 --> 0:37:17.799
<v Speaker 1>it officially just makes me feel so much better, like

0:37:17.840 --> 0:37:20.719
<v Speaker 1>I'm not bugging, and also too now to know what

0:37:20.760 --> 0:37:22.840
<v Speaker 1>to look for should we ever sell this house, and

0:37:22.920 --> 0:37:26.399
<v Speaker 1>to make sure, like you know, yeah, just to make

0:37:26.400 --> 0:37:29.279
<v Speaker 1>sure that doesn't happen again by by educating myself on

0:37:29.320 --> 0:37:31.239
<v Speaker 1>the process and what we should be looking for, because

0:37:31.239 --> 0:37:33.000
<v Speaker 1>I would love to be able to look at one

0:37:33.040 --> 0:37:35.200
<v Speaker 1>of these appraisals and be like, why don't Why do

0:37:35.200 --> 0:37:37.120
<v Speaker 1>you have C three here instead of C two? Why

0:37:37.120 --> 0:37:38.640
<v Speaker 1>do you have this here instead of that? You know

0:37:38.760 --> 0:37:42.239
<v Speaker 1>these are It's the language that you know. Once you

0:37:42.360 --> 0:37:45.520
<v Speaker 1>learn those things, you know you can when you know different,

0:37:45.560 --> 0:37:46.360
<v Speaker 1>you can do different.

0:37:46.360 --> 0:37:47.880
<v Speaker 2>And they don't want us to know. It's like I

0:37:47.960 --> 0:37:50.239
<v Speaker 2>was saying, they don't. It behooves them for us to

0:37:50.320 --> 0:37:53.319
<v Speaker 2>not understand. That's why this should is so opaque and

0:37:53.400 --> 0:37:57.799
<v Speaker 2>hard to sort through any big financial like around your house,

0:37:57.880 --> 0:38:01.200
<v Speaker 2>like any big any having to do with your home

0:38:01.320 --> 0:38:04.239
<v Speaker 2>is so complex. I mean, we just closed on our refinance.

0:38:04.280 --> 0:38:06.080
<v Speaker 2>In the stack of papers we had to go through,

0:38:06.480 --> 0:38:09.240
<v Speaker 2>and I felt so and I still feel this intense

0:38:09.280 --> 0:38:11.640
<v Speaker 2>pressure to read every single word, and I spent like

0:38:11.800 --> 0:38:14.480
<v Speaker 2>I had several at least half an hour conversations with

0:38:14.520 --> 0:38:17.040
<v Speaker 2>our loan officer. Over those six weeks, six to eight weeks,

0:38:17.040 --> 0:38:20.759
<v Speaker 2>it took and even me like being in this, being

0:38:20.800 --> 0:38:22.799
<v Speaker 2>this industry, you know, managing a team whose job it

0:38:22.840 --> 0:38:25.200
<v Speaker 2>is to write about mortgages and how to get them

0:38:25.239 --> 0:38:27.680
<v Speaker 2>and all that, like, I still had tons of questions.

0:38:27.719 --> 0:38:31.319
<v Speaker 2>And you know, it's that it's that extra friction and

0:38:31.400 --> 0:38:34.600
<v Speaker 2>work upfront that they know a lot of people, you know,

0:38:34.680 --> 0:38:37.279
<v Speaker 2>won't feel like they are confident enough to take on.

0:38:37.400 --> 0:38:40.520
<v Speaker 2>But we're here to tell you that it's possible, and

0:38:40.920 --> 0:38:43.080
<v Speaker 2>you know, reach out to anyone who can help you

0:38:43.200 --> 0:38:47.839
<v Speaker 2>or share some knowledge or it's it's it's so it's

0:38:47.840 --> 0:38:50.959
<v Speaker 2>so important. Let me just keep repeating myself. Listen, we're

0:38:51.000 --> 0:38:53.080
<v Speaker 2>forty minutes into this show. Tip, what are we doing?

0:38:54.520 --> 0:38:56.759
<v Speaker 2>I really do we have time? Can we talk? Can

0:38:56.800 --> 0:38:58.280
<v Speaker 2>we take leaders questions?

0:38:58.640 --> 0:38:59.440
<v Speaker 3>Yes, let's see that.

0:39:00.640 --> 0:39:03.640
<v Speaker 2>We have a very special segment for today's questions because

0:39:03.880 --> 0:39:06.440
<v Speaker 2>well it's about starting a podcast. You know, we know

0:39:06.480 --> 0:39:08.759
<v Speaker 2>a thing or two about that. So we are taking

0:39:08.760 --> 0:39:11.400
<v Speaker 2>all y'all's questions on how to start your very own podcast,

0:39:11.480 --> 0:39:46.600
<v Speaker 2>and we will be right back after this break. Okay, y'all,

0:39:46.640 --> 0:39:48.959
<v Speaker 2>we are back. So as you guys know or maybe

0:39:49.000 --> 0:39:52.239
<v Speaker 2>you don't know Tiffany and I Brown Ambition Podcast. We're

0:39:52.280 --> 0:39:55.040
<v Speaker 2>not actually, you know, we're not owned by a network.

0:39:55.080 --> 0:39:57.839
<v Speaker 2>We are independent. My little brother said, I'm the Chance

0:39:57.880 --> 0:40:00.120
<v Speaker 2>the Wrapper of podcasters. I was like a thing, Thank

0:40:00.120 --> 0:40:01.680
<v Speaker 2>you very much, my friend, because you know, Chance the

0:40:01.760 --> 0:40:04.440
<v Speaker 2>Rapper didn't have a label. He was like, he was

0:40:04.440 --> 0:40:06.239
<v Speaker 2>one of the first artists to make a name for

0:40:06.320 --> 0:40:08.319
<v Speaker 2>himself without a label. I think he just published his

0:40:08.400 --> 0:40:11.000
<v Speaker 2>music when on SoundCloud or something, and when he was

0:40:11.040 --> 0:40:13.240
<v Speaker 2>ready to get a label, you know, everyone was coming

0:40:13.239 --> 0:40:15.040
<v Speaker 2>to him and he didn't need him because they were

0:40:15.120 --> 0:40:18.600
<v Speaker 2>he was independent, owned his own shit. We are Yeah.

0:40:18.640 --> 0:40:20.520
<v Speaker 2>So you know there's Chance the Rapper and there's Brown

0:40:20.520 --> 0:40:23.839
<v Speaker 2>Ambition obviously, but yeah, we're independent. We started this show

0:40:23.880 --> 0:40:26.799
<v Speaker 2>five years ago because we just wanted to and I

0:40:26.960 --> 0:40:29.080
<v Speaker 2>just figured it out and we've been figuring it out

0:40:29.120 --> 0:40:32.120
<v Speaker 2>ever since. And I would say we've been successful. If

0:40:32.480 --> 0:40:33.080
<v Speaker 2>how do you feel?

0:40:33.200 --> 0:40:35.719
<v Speaker 1>Yeah, No, I think I mean, first of all, we've

0:40:35.719 --> 0:40:37.960
<v Speaker 1>been consistent in it. We have an amazed what do

0:40:38.000 --> 0:40:38.480
<v Speaker 1>you say.

0:40:38.400 --> 0:40:39.920
<v Speaker 2>We're doing the damn thing I think we do.

0:40:40.160 --> 0:40:41.920
<v Speaker 3>Yeah, we do a pretty amazing audience.

0:40:42.440 --> 0:40:44.879
<v Speaker 1>We Yeah, I just I'm really proud of us because

0:40:44.880 --> 0:40:46.719
<v Speaker 1>it was just literally I remember you being like, we.

0:40:46.719 --> 0:40:47.719
<v Speaker 3>Should do a podcast.

0:40:48.160 --> 0:40:51.759
<v Speaker 2>I was like, yeah, I want to, and y'all who

0:40:51.760 --> 0:40:53.600
<v Speaker 2>told me I can't, So I'm going to do it anyway.

0:40:53.600 --> 0:40:54.120
<v Speaker 2>That's what I.

0:40:54.000 --> 0:40:57.160
<v Speaker 3>Said, because that is so Mandy Well.

0:40:57.200 --> 0:40:59.759
<v Speaker 2>The well, what really has gotten us to talk about

0:40:59.800 --> 0:41:01.719
<v Speaker 2>this is I don't know if you guys I shared

0:41:01.719 --> 0:41:04.799
<v Speaker 2>on my insta last week, but Joe Budden he had

0:41:04.840 --> 0:41:08.399
<v Speaker 2>posted he on his own damn podcast hosted and owned

0:41:08.400 --> 0:41:10.799
<v Speaker 2>by or not owned by partner with Spotify. He's been

0:41:10.840 --> 0:41:13.360
<v Speaker 2>with Spotify guests for his podcast for a few years now,

0:41:13.440 --> 0:41:15.000
<v Speaker 2>a couple of years now, and he was one of

0:41:15.000 --> 0:41:19.560
<v Speaker 2>the first podcasts that Spartify Spartify My God Spotify partnered

0:41:19.560 --> 0:41:23.160
<v Speaker 2>with and he basically made their podcast business. I mean

0:41:23.400 --> 0:41:26.239
<v Speaker 2>they acquired according to his story, you know, millions of

0:41:27.520 --> 0:41:30.920
<v Speaker 2>listeners to their platform through his show and you have

0:41:31.000 --> 0:41:32.600
<v Speaker 2>to go check out his latest episode if you want

0:41:32.640 --> 0:41:34.759
<v Speaker 2>the whole background. But he used his platform to talk

0:41:34.760 --> 0:41:37.640
<v Speaker 2>about why he wasn't renewing his deal with Spotify, and

0:41:37.680 --> 0:41:40.920
<v Speaker 2>he revealed, like you know, some interesting insights about the

0:41:40.960 --> 0:41:43.960
<v Speaker 2>business of podcasting, like the business of podcasting can be

0:41:44.000 --> 0:41:46.960
<v Speaker 2>a little opaque because it's sort of like it's been

0:41:47.000 --> 0:41:49.480
<v Speaker 2>around for a long time, but the business side of it,

0:41:49.560 --> 0:41:53.600
<v Speaker 2>like the money making machine of it, that industry it

0:41:53.640 --> 0:41:56.000
<v Speaker 2>is really you know, I would say, in the last

0:41:56.040 --> 0:41:59.040
<v Speaker 2>like five, you know years or so, it's along with

0:41:59.080 --> 0:42:01.400
<v Speaker 2>our show, they're they're figuring it out, like people are

0:42:01.440 --> 0:42:04.279
<v Speaker 2>figuring out how to make money and for shows like

0:42:04.320 --> 0:42:06.960
<v Speaker 2>Oh or as you were independent you know there, it's

0:42:07.040 --> 0:42:09.760
<v Speaker 2>it's an exciting time to be in the podcast world.

0:42:09.800 --> 0:42:12.399
<v Speaker 2>And I had asked you guys when I was kind

0:42:12.400 --> 0:42:15.480
<v Speaker 2>of commenting on the Joe Button story, what do you like,

0:42:15.520 --> 0:42:18.720
<v Speaker 2>what questions do y'all have about podcasting? Because, like I said, Tiffany,

0:42:18.719 --> 0:42:21.680
<v Speaker 2>I've been doing this ourselves for you know, five years now,

0:42:21.840 --> 0:42:24.600
<v Speaker 2>and I was quite surprised by the number of questions

0:42:24.640 --> 0:42:27.200
<v Speaker 2>we got. So I kind of wanted to dedicate this

0:42:27.360 --> 0:42:32.880
<v Speaker 2>questions segment to you guys this podcast podcast. Okay, well,

0:42:32.960 --> 0:42:34.920
<v Speaker 2>let's dive on in, and you guys can still send

0:42:35.000 --> 0:42:37.480
<v Speaker 2>us questions. I sometimes will respond to them even if

0:42:37.480 --> 0:42:40.080
<v Speaker 2>we don't cover them on the show. Brian Abisson Podcast

0:42:40.600 --> 0:42:42.600
<v Speaker 2>on the gram. You can find us there where you

0:42:42.640 --> 0:42:47.480
<v Speaker 2>can email us directly. Brand Ambisson Podcasts at gmail dot com.

0:42:46.400 --> 0:42:51.719
<v Speaker 2>All right, let's see please did okay? So here I'm

0:42:51.719 --> 0:42:54.000
<v Speaker 2>gonna I'm gonna use Insta handles. I hope y'all don't mind.

0:42:54.040 --> 0:42:56.719
<v Speaker 2>All right. So Insta user Aqim says, how do you

0:42:56.760 --> 0:43:00.520
<v Speaker 2>get your podcast on iTunes in the first place? All right?

0:43:00.560 --> 0:43:03.560
<v Speaker 2>So I do the techy stuff, so I'll answer that one.

0:43:05.680 --> 0:43:06.200
<v Speaker 3>I don't know.

0:43:06.760 --> 0:43:08.760
<v Speaker 2>Are you curious how we got our podcast on iTunes?

0:43:08.800 --> 0:43:10.319
<v Speaker 2>It was very stressful for me because I was trying

0:43:10.360 --> 0:43:13.080
<v Speaker 2>to figure it out, you know, way back when basically,

0:43:13.160 --> 0:43:15.200
<v Speaker 2>and I'm going to include some show notes for you

0:43:15.239 --> 0:43:17.640
<v Speaker 2>guys with some resources. I'm putting together a little Google

0:43:17.680 --> 0:43:21.000
<v Speaker 2>doc of resources. But iTunes and Spotify, you know, this

0:43:21.080 --> 0:43:23.239
<v Speaker 2>wasn't around when we were first starting. But now you

0:43:23.320 --> 0:43:27.680
<v Speaker 2>have Spotify, you have Stitcher, you have Google Podcasts. They

0:43:27.719 --> 0:43:31.080
<v Speaker 2>all have a podcasters platform. And there's a link I

0:43:31.120 --> 0:43:33.719
<v Speaker 2>can put for the Apple one. And the first thing

0:43:33.760 --> 0:43:35.560
<v Speaker 2>before you even submit your show to iTunes is you

0:43:35.560 --> 0:43:37.920
<v Speaker 2>need to one create a show, and then two you

0:43:37.960 --> 0:43:40.719
<v Speaker 2>need to find a host for your show. And the

0:43:40.760 --> 0:43:43.080
<v Speaker 2>host that I chose five years ago, we're on a

0:43:43.120 --> 0:43:45.400
<v Speaker 2>different host now, but back then and this host is

0:43:45.440 --> 0:43:48.480
<v Speaker 2>still around. They're still great, very popular, They're called Lisbon

0:43:48.920 --> 0:43:51.359
<v Speaker 2>L s b y N And I think, I think,

0:43:51.400 --> 0:43:53.319
<v Speaker 2>what if we pay like five or fifteen dollars a

0:43:53.320 --> 0:43:56.000
<v Speaker 2>month to host our show on Libsyn and what that

0:43:56.080 --> 0:43:59.160
<v Speaker 2>did for me? So Libson would distribute the podcast. I

0:43:59.160 --> 0:44:01.799
<v Speaker 2>would upload the audio and I would click publish or

0:44:01.800 --> 0:44:04.680
<v Speaker 2>whatever magical button it was, and they would send it

0:44:04.719 --> 0:44:08.360
<v Speaker 2>on to the podcast echo sphere or whatever and it

0:44:08.360 --> 0:44:12.080
<v Speaker 2>would end up on iTunes and SoundCloud, et cetera. How

0:44:12.080 --> 0:44:15.440
<v Speaker 2>I did that was once you have a host, you

0:44:15.520 --> 0:44:19.359
<v Speaker 2>get an RSS feed. Remember RSS feeds like Google Reader.

0:44:19.480 --> 0:44:21.640
<v Speaker 1>Oh I remember having on my first little blog, my

0:44:21.960 --> 0:44:23.040
<v Speaker 1>blog or blog.

0:44:22.880 --> 0:44:25.680
<v Speaker 2>Yeah, blogger. They still do that for podcasting. So you

0:44:25.719 --> 0:44:28.520
<v Speaker 2>get your own RSS feed and it's just a URL

0:44:28.640 --> 0:44:31.799
<v Speaker 2>and you copy paste it into iTunes. And at the time,

0:44:31.840 --> 0:44:33.200
<v Speaker 2>I don't know if they still do this. At the time,

0:44:33.239 --> 0:44:34.960
<v Speaker 2>I had to wait to see if I was going

0:44:35.000 --> 0:44:37.520
<v Speaker 2>to get approved. And I remember what was funny is

0:44:37.560 --> 0:44:39.400
<v Speaker 2>like I don't know if you remember this, Tiffany, but

0:44:39.480 --> 0:44:41.960
<v Speaker 2>we had decided we were going to launch September fifteenth.

0:44:42.080 --> 0:44:44.880
<v Speaker 2>It was like a Tuesday, and I didn't realize I

0:44:44.920 --> 0:44:48.120
<v Speaker 2>had to wait to get the show approved. So when

0:44:48.120 --> 0:44:50.880
<v Speaker 2>we like put out the event bright like, we started

0:44:50.920 --> 0:44:53.439
<v Speaker 2>promoting it. It's gonna be here, it's knew. Our first

0:44:53.480 --> 0:44:56.040
<v Speaker 2>episode was dropping September fifteenth. And then I remember being

0:44:56.080 --> 0:44:58.799
<v Speaker 2>on my couch and my my stomach falling out, being like,

0:44:58.880 --> 0:45:02.000
<v Speaker 2>oh what it was maybe a week or two before

0:45:02.440 --> 0:45:05.160
<v Speaker 2>that date, and that the Apple had not gotten back

0:45:05.160 --> 0:45:07.400
<v Speaker 2>to me, you know, saying our show had been approved

0:45:07.560 --> 0:45:10.560
<v Speaker 2>the day before that day, you know, the day before

0:45:10.600 --> 0:45:14.520
<v Speaker 2>we had advertised they approved it, and I was sweating bullets. Meanwhile,

0:45:14.560 --> 0:45:17.000
<v Speaker 2>like what we had like five listeners, but I was

0:45:17.040 --> 0:45:21.040
<v Speaker 2>sweating bullets. But yeah, that's the in a nutshell, how

0:45:21.040 --> 0:45:23.320
<v Speaker 2>to get your show on iTunes. Go find a host first,

0:45:23.360 --> 0:45:26.480
<v Speaker 2>and then create an RSS feed and submit it not

0:45:26.560 --> 0:45:29.280
<v Speaker 2>just to iTunes but Spotify and Stitcher and all the

0:45:29.360 --> 0:45:30.600
<v Speaker 2>you know big platforms today.

0:45:31.600 --> 0:45:34.200
<v Speaker 3>See that was a good one. Now I learned something.

0:45:35.320 --> 0:45:38.759
<v Speaker 2>Uh, Instagram user Katie says, how much of your conversation

0:45:38.880 --> 0:45:43.560
<v Speaker 2>gets edited out of a podcast? Like none?

0:45:45.520 --> 0:45:50.480
<v Speaker 3>Want let me say something which is rare, right, very rare.

0:45:50.560 --> 0:45:52.160
<v Speaker 2>I will say, you know now that we have an

0:45:52.280 --> 0:45:56.520
<v Speaker 2>editor CALLI is editing our show. Now I don't. I

0:45:56.520 --> 0:46:00.279
<v Speaker 2>don't micromanage that at all. You know, sometimes I think

0:46:00.320 --> 0:46:03.759
<v Speaker 2>maybe one time I asked them to take something out

0:46:03.760 --> 0:46:06.480
<v Speaker 2>of the show, and I can't remember what it was.

0:46:06.520 --> 0:46:09.799
<v Speaker 2>It was something that was inaccurate and just I knew

0:46:09.920 --> 0:46:13.040
<v Speaker 2>the show could do without it Prior to that. I'm

0:46:13.040 --> 0:46:15.120
<v Speaker 2>not gonna lie, you know I was. I don't. I

0:46:15.120 --> 0:46:19.240
<v Speaker 2>don't even know how, like how picky Kelly is about

0:46:19.400 --> 0:46:21.640
<v Speaker 2>ums and likes and that kind of stuff. But I

0:46:21.680 --> 0:46:24.200
<v Speaker 2>do remember early when we first started recording, I was

0:46:24.200 --> 0:46:26.680
<v Speaker 2>doing all the editing, and I would take out any

0:46:26.840 --> 0:46:29.759
<v Speaker 2>ums or likes that tiff and I would say Tiffany says,

0:46:29.800 --> 0:46:32.160
<v Speaker 2>so a lot I used to take off yours. So

0:46:33.040 --> 0:46:34.840
<v Speaker 2>it used to bother me, But like, I don't care anymore.

0:46:34.880 --> 0:46:36.160
<v Speaker 2>Maybe we're just I just accepted.

0:46:36.200 --> 0:46:38.320
<v Speaker 3>That's my transition word same.

0:46:39.680 --> 0:46:41.600
<v Speaker 1>Sometimes you don't even realize that you say things like

0:46:41.640 --> 0:46:45.239
<v Speaker 1>a lot and you're like oh, or like when am

0:46:45.280 --> 0:46:47.719
<v Speaker 1>I get this? With my friend Cabral, whenever he's really

0:46:47.719 --> 0:46:58.520
<v Speaker 1>into a conversation, he says like, okay, okay.

0:46:52.880 --> 0:46:57.560
<v Speaker 2>I mean as a listener, those things might get great

0:46:57.600 --> 0:46:58.080
<v Speaker 2>on people.

0:46:58.680 --> 0:47:02.759
<v Speaker 1>Yes, yeah, yeah, I mean look like so look look

0:47:02.800 --> 0:47:05.680
<v Speaker 1>and now now I'm conscious, I'm like, oh, I say sorry.

0:47:05.400 --> 0:47:08.560
<v Speaker 2>No, Well it never stopped hasn't stopped you in five years.

0:47:08.600 --> 0:47:09.479
<v Speaker 3>Don't worry. No, it hasn't.

0:47:09.560 --> 0:47:11.640
<v Speaker 1>It's because I'm gonna be like, oh man, and then

0:47:11.719 --> 0:47:12.719
<v Speaker 1>I'm gonna be right back at it.

0:47:12.760 --> 0:47:16.440
<v Speaker 2>So look, there you go, there you go. Well, the

0:47:16.480 --> 0:47:18.480
<v Speaker 2>thing is tip. I will say one one thing that

0:47:18.480 --> 0:47:21.160
<v Speaker 2>TIF always jokes about is she sometimes repeats herself and

0:47:21.239 --> 0:47:23.719
<v Speaker 2>tells the same story. Yes, there has been. I'm going

0:47:23.800 --> 0:47:26.840
<v Speaker 2>to reveal it to Tiffany now. I have gone and

0:47:27.040 --> 0:47:30.319
<v Speaker 2>edited out repeat stories. If I knew you had said

0:47:30.320 --> 0:47:31.600
<v Speaker 2>it on a recent podcast.

0:47:31.840 --> 0:47:34.320
<v Speaker 3>Yeah, because I don't remember anything.

0:47:34.680 --> 0:47:36.719
<v Speaker 2>And that'll be like a fifteen minute segment and I'm

0:47:36.760 --> 0:47:39.040
<v Speaker 2>fifteen minute rant and I'm like, mm hmmm, hmmm.

0:47:41.360 --> 0:47:43.560
<v Speaker 3>I don't mind because everyone knows that.

0:47:43.640 --> 0:47:45.839
<v Speaker 1>I'm like, I really get it for my she get

0:47:45.880 --> 0:47:48.719
<v Speaker 1>it for my daddy, Like that's my father. Like I

0:47:48.880 --> 0:47:50.839
<v Speaker 1>just I mean, since I was like in second grade,

0:47:50.880 --> 0:47:53.600
<v Speaker 1>I'm like, what happened yesterday? My memory has always been

0:47:53.640 --> 0:47:56.520
<v Speaker 1>like huh, testy at best. So I will tell you

0:47:56.520 --> 0:47:58.480
<v Speaker 1>a full flood story. You're like, you literally told me

0:47:58.480 --> 0:48:01.040
<v Speaker 1>this yesterday. I'm like, dy, why do you look to tell.

0:48:00.920 --> 0:48:03.040
<v Speaker 3>The whole story again? So I'm just saying all that

0:48:03.080 --> 0:48:03.759
<v Speaker 3>to say that I don't.

0:48:03.800 --> 0:48:05.959
<v Speaker 1>I'm not saying sid about it because I know it's

0:48:05.960 --> 0:48:08.480
<v Speaker 1>a it's a thing that I do. I think it's funny,

0:48:08.480 --> 0:48:11.399
<v Speaker 1>and I don't mind people being like, heard it. Yeah,

0:48:12.239 --> 0:48:14.759
<v Speaker 1>you don't have to let me rent fifteen minutes. You

0:48:14.760 --> 0:48:16.399
<v Speaker 1>can be like, girl, you told us this last week?

0:48:16.400 --> 0:48:18.400
<v Speaker 1>Are you told us this last year? Because I know

0:48:18.520 --> 0:48:19.919
<v Speaker 1>I will not remember well.

0:48:19.960 --> 0:48:21.719
<v Speaker 2>I think of our conversation as kind of like an

0:48:21.719 --> 0:48:24.080
<v Speaker 2>improv because we don't really plan things. Maybe we'll have

0:48:24.160 --> 0:48:26.080
<v Speaker 2>a couple of quick minutes before the show. We'll be like,

0:48:26.120 --> 0:48:27.520
<v Speaker 2>I want to talk about this, We talk about that,

0:48:27.640 --> 0:48:30.080
<v Speaker 2>and then hey, we spend forty minutes talking about other stuff.

0:48:30.960 --> 0:48:32.919
<v Speaker 2>I think that's part of the you know what works

0:48:32.960 --> 0:48:36.040
<v Speaker 2>about the show, and part of that improv style. And

0:48:36.080 --> 0:48:37.879
<v Speaker 2>if you do, if you're considering doing a chat show

0:48:37.920 --> 0:48:41.120
<v Speaker 2>like ours, I really consider like, in order to keep

0:48:41.120 --> 0:48:43.640
<v Speaker 2>a conversation moving, I need to be listening to what

0:48:43.680 --> 0:48:46.960
<v Speaker 2>Tiffany is saying, engaging with it. I can't be like multitasking,

0:48:47.440 --> 0:48:50.480
<v Speaker 2>reading email, checking install whatever, because I'm not going to

0:48:50.560 --> 0:48:53.120
<v Speaker 2>be able to keep her going. And like you know,

0:48:53.239 --> 0:48:55.080
<v Speaker 2>I try and think of questions I can answert or

0:48:55.120 --> 0:48:57.920
<v Speaker 2>ways to you know, if she needs to be amped up,

0:48:57.960 --> 0:49:00.640
<v Speaker 2>like ways to get her to laugh or I don't know.

0:49:00.640 --> 0:49:02.399
<v Speaker 2>I'm always trying to think of something witty to say

0:49:02.480 --> 0:49:05.040
<v Speaker 2>so we can, like if something's really getting heavy, something

0:49:05.080 --> 0:49:07.160
<v Speaker 2>I can say to like lighten the mood and yeah,

0:49:07.200 --> 0:49:09.719
<v Speaker 2>so I let you go and whatever. I would rather

0:49:09.760 --> 0:49:12.719
<v Speaker 2>not take you out of that, you know, take you

0:49:12.719 --> 0:49:15.239
<v Speaker 2>out of your zone, like it's jarring when someone's like hey,

0:49:15.880 --> 0:49:17.759
<v Speaker 2>even if I said it really nice, it would still bother.

0:49:17.800 --> 0:49:19.640
<v Speaker 2>I feel like it would still be like really just

0:49:19.760 --> 0:49:22.279
<v Speaker 2>you know, let me go. And I used to have

0:49:22.320 --> 0:49:23.799
<v Speaker 2>all the time in the world to edit shows, but

0:49:23.840 --> 0:49:28.080
<v Speaker 2>not anymore. Speaking of time, Instagram user, how do you

0:49:28.080 --> 0:49:30.479
<v Speaker 2>say this? Narvar Rudd says how much of a time

0:49:30.480 --> 0:49:32.240
<v Speaker 2>commitment is your show?

0:49:35.719 --> 0:49:36.480
<v Speaker 3>Wow?

0:49:37.040 --> 0:49:40.319
<v Speaker 1>I would say, I mean, so we tape once a

0:49:40.360 --> 0:49:43.239
<v Speaker 1>week and taping depending if we have ads, and things

0:49:43.280 --> 0:49:45.839
<v Speaker 1>can go anywhere from hour and a half to.

0:49:45.880 --> 0:49:47.160
<v Speaker 3>Like three hours max.

0:49:48.000 --> 0:49:50.839
<v Speaker 1>But there's also so what I've done now after five

0:49:50.920 --> 0:49:53.640
<v Speaker 1>years of manly asking that as things happen during the week,

0:49:53.680 --> 0:49:56.040
<v Speaker 1>I'd like keep notes from myself so I know, like

0:49:56.200 --> 0:49:58.040
<v Speaker 1>things to talk about for the show versus just like

0:49:58.120 --> 0:50:00.640
<v Speaker 1>super off the cuff, so I do that, so, but

0:50:00.680 --> 0:50:02.920
<v Speaker 1>that doesn't I wouldn't. That doesn't really add up to

0:50:03.040 --> 0:50:07.160
<v Speaker 1>like hours, but then editings. I don't know, Mandy, on average,

0:50:07.239 --> 0:50:08.879
<v Speaker 1>how long did it used to take you to edit

0:50:08.880 --> 0:50:11.200
<v Speaker 1>the show? For those who those who might still self edit.

0:50:11.840 --> 0:50:14.640
<v Speaker 2>That's an actual question from one of ours, one of

0:50:15.400 --> 0:50:18.600
<v Speaker 2>our Instagram follower Cherish your health, that how long would

0:50:18.640 --> 0:50:20.919
<v Speaker 2>it take to take you to edit and upload each show?

0:50:21.480 --> 0:50:23.600
<v Speaker 2>Let's see, I mean, like I said, I have Tiffany

0:50:23.600 --> 0:50:25.960
<v Speaker 2>and I show is pretty straightforward. We talked to each other.

0:50:26.040 --> 0:50:28.279
<v Speaker 2>We have three segments, as you guys know, which we've

0:50:28.360 --> 0:50:30.759
<v Speaker 2>kind of fine tuned over the years, and it ended up,

0:50:30.920 --> 0:50:33.120
<v Speaker 2>you know, being the segments that they are. It's not

0:50:33.200 --> 0:50:35.680
<v Speaker 2>that difficult as long as I'm good about back when

0:50:35.680 --> 0:50:38.160
<v Speaker 2>I was editing, as long as I'm good about notating.

0:50:38.560 --> 0:50:40.640
<v Speaker 2>You know, when Superman would open a door and I

0:50:40.640 --> 0:50:43.000
<v Speaker 2>would have to you know, edit the squeak and the

0:50:43.200 --> 0:50:46.480
<v Speaker 2>little muffled conversation out, or you know, when one of

0:50:46.560 --> 0:50:49.040
<v Speaker 2>us had audio issues or a car went by or

0:50:49.040 --> 0:50:51.120
<v Speaker 2>sirens or whatnot. As long as I would just mark

0:50:51.160 --> 0:50:54.080
<v Speaker 2>the timestamps, I could really quickly, like by the I

0:50:54.080 --> 0:50:57.319
<v Speaker 2>mean up I was editing the show, you know, even

0:50:57.360 --> 0:50:58.960
<v Speaker 2>after having the baby, and I could do it in

0:50:59.040 --> 0:51:01.200
<v Speaker 2>like half an hour. And that's for about a forty

0:51:01.200 --> 0:51:04.000
<v Speaker 2>five minute to an hour podcast because obviously I just

0:51:04.040 --> 0:51:06.160
<v Speaker 2>had the conversation, so I pretty much knew what I

0:51:06.160 --> 0:51:08.799
<v Speaker 2>wanted to cut. And I always and I think, if

0:51:08.840 --> 0:51:11.799
<v Speaker 2>you're editing a podcast like a chat show, it's for me.

0:51:11.880 --> 0:51:14.160
<v Speaker 2>The key was to edit immediately after the show while

0:51:14.160 --> 0:51:16.880
<v Speaker 2>it's still fresh in your mind, because you will forget

0:51:16.920 --> 0:51:19.520
<v Speaker 2>certain things and yeah, like listen, if I had to

0:51:19.520 --> 0:51:22.120
<v Speaker 2>go and listen to every second of the show over again,

0:51:22.600 --> 0:51:24.799
<v Speaker 2>then that would just take additional time. And I was

0:51:25.200 --> 0:51:27.239
<v Speaker 2>once I had moved to the Suburbs two a couple

0:51:27.280 --> 0:51:29.400
<v Speaker 2>of years ago, I had a forty minute commute and

0:51:29.440 --> 0:51:31.799
<v Speaker 2>my goal was to finish editing the podcast before I

0:51:31.840 --> 0:51:34.920
<v Speaker 2>got home. And I usually could do that. Yeah, so

0:51:35.040 --> 0:51:35.400
<v Speaker 2>you did it.

0:51:35.440 --> 0:51:36.960
<v Speaker 3>I didn't know you used to do it on a subway.

0:51:37.160 --> 0:51:39.640
<v Speaker 2>Yeah, on the train. Because I edit using garage Band,

0:51:39.680 --> 0:51:42.160
<v Speaker 2>which is a free software you get with any Mac computer,

0:51:42.320 --> 0:51:44.680
<v Speaker 2>and garage Band you don't need the Internet for so

0:51:44.880 --> 0:51:47.840
<v Speaker 2>as long as I put everything in garage Band, I

0:51:48.040 --> 0:51:50.200
<v Speaker 2>could edit it from the show. The only thing I

0:51:50.200 --> 0:51:54.040
<v Speaker 2>couldn't do was upload it to our our podcast site

0:51:54.080 --> 0:51:55.600
<v Speaker 2>libs in at the time, and now we use something

0:51:55.600 --> 0:51:58.040
<v Speaker 2>called megaphone, So that part I would just do at home,

0:51:58.080 --> 0:51:59.839
<v Speaker 2>but all the editing you can do that anywhere.

0:52:00.239 --> 0:52:04.080
<v Speaker 3>Look show I'm learning obviously. Look I'm a listener, like really.

0:52:05.360 --> 0:52:10.880
<v Speaker 2>Yeah, because Tiffany's Tiffany is the cheese talent. I always

0:52:10.880 --> 0:52:14.600
<v Speaker 2>tell you guys like this is like me.

0:52:14.600 --> 0:52:16.320
<v Speaker 3>I'm like, I just show up and I'm like, where

0:52:16.320 --> 0:52:18.000
<v Speaker 3>do I have to stand? I'm the groom.

0:52:18.440 --> 0:52:20.520
<v Speaker 2>But that's what works for us. I learn the control freak.

0:52:20.600 --> 0:52:23.440
<v Speaker 2>I like techie stuff. I like to learn skills. So

0:52:23.440 --> 0:52:25.600
<v Speaker 2>it just it just we didn't have this big conversation

0:52:26.000 --> 0:52:28.160
<v Speaker 2>first of all, if I I also know Tiffany, and

0:52:28.200 --> 0:52:29.799
<v Speaker 2>I think that was a good balance. Like I wasn't

0:52:29.840 --> 0:52:31.920
<v Speaker 2>going to say, hey, you're building your own business, Hey

0:52:31.960 --> 0:52:34.719
<v Speaker 2>you want to learn how to end of the podcast too. No,

0:52:35.840 --> 0:52:38.880
<v Speaker 2>and I think we've always just made it work according

0:52:38.880 --> 0:52:42.080
<v Speaker 2>to where we were. Someone asked, how much did you

0:52:42.120 --> 0:52:44.719
<v Speaker 2>pay to start your podcast? Very little?

0:52:45.640 --> 0:52:50.200
<v Speaker 3>Yeah, because we paid so we got pictures taken Taneta

0:52:50.239 --> 0:52:51.000
<v Speaker 3>took our pictures.

0:52:51.080 --> 0:52:53.480
<v Speaker 2>Yeah, how much for you didn't even need a picture.

0:52:53.560 --> 0:52:55.319
<v Speaker 2>A lot of podcasts just have a logo which you

0:52:55.320 --> 0:52:57.640
<v Speaker 2>can do yourself, like in Canva or something. But we

0:52:57.840 --> 0:53:01.880
<v Speaker 2>got had shots taken. How much were they I don't remember.

0:53:02.000 --> 0:53:02.359
<v Speaker 2>They weren't.

0:53:02.760 --> 0:53:04.880
<v Speaker 1>I want to say maybe one hundred something. They weren't

0:53:04.920 --> 0:53:08.480
<v Speaker 1>like tremendously maybe maybe two hundred. But and you know,

0:53:08.520 --> 0:53:10.800
<v Speaker 1>it's so crazy because it came up today, like in

0:53:10.520 --> 0:53:13.640
<v Speaker 1>my photo album, like, hey, this five years ago, isn't

0:53:13.680 --> 0:53:14.320
<v Speaker 1>that so funny?

0:53:14.600 --> 0:53:17.360
<v Speaker 2>Five year anniversary is in a couple of weeks, I.

0:53:17.239 --> 0:53:19.160
<v Speaker 1>Know, And it was like it showed me that literally,

0:53:19.200 --> 0:53:21.360
<v Speaker 1>it said this week five years ago. I have a

0:53:21.360 --> 0:53:24.560
<v Speaker 1>picture of me and Mandy August twenty sixth, twenty fifteen.

0:53:24.719 --> 0:53:26.960
<v Speaker 1>We're into Netta Studio taking pictures. It came up on

0:53:27.000 --> 0:53:29.560
<v Speaker 1>my phone. I'm like, oh, we looked so cute, and

0:53:29.560 --> 0:53:31.840
<v Speaker 1>I listally, our offers were so cute because you were

0:53:31.880 --> 0:53:33.279
<v Speaker 1>wearing the blue dress and I was wearing like that

0:53:33.320 --> 0:53:35.040
<v Speaker 1>purple dress. I don't know that we planned it, but

0:53:35.040 --> 0:53:37.360
<v Speaker 1>then we looked Nope, it's just anything so great.

0:53:37.960 --> 0:53:40.200
<v Speaker 2>I regret the pink lipstick, but that's near neither here

0:53:40.239 --> 0:53:43.720
<v Speaker 2>nor there, really dude, Now well now I'm like, damn,

0:53:43.760 --> 0:53:46.239
<v Speaker 2>I was hot. I remember telling Sandda my arms make

0:53:46.320 --> 0:53:48.800
<v Speaker 2>them skinnier. Uh no, but that was so that was

0:53:48.840 --> 0:53:51.680
<v Speaker 2>the headshots actually the record. So, like I said, garage

0:53:51.719 --> 0:53:55.480
<v Speaker 2>Band is free. Another good software is Audacity free, entirely free,

0:53:56.040 --> 0:53:58.319
<v Speaker 2>where you can edit audio and it's really not hard

0:53:58.360 --> 0:54:00.440
<v Speaker 2>for them how to edit. YouTube has a video for

0:54:00.560 --> 0:54:02.319
<v Speaker 2>air thing and that's how I learned how to edit

0:54:02.320 --> 0:54:06.600
<v Speaker 2>in garage Band. And the interface has only changed majorly once,

0:54:06.719 --> 0:54:08.520
<v Speaker 2>and I was super annoyed. I had to relearn a

0:54:08.520 --> 0:54:11.840
<v Speaker 2>couple of things. But again, YouTube is your friend. Cost

0:54:12.280 --> 0:54:14.399
<v Speaker 2>Tiffany and I both. I mean my my Yetti mic,

0:54:14.440 --> 0:54:17.160
<v Speaker 2>which is very commonly used among podcasters. I've had this

0:54:17.239 --> 0:54:20.360
<v Speaker 2>since the beginning. It was maybe one hundred bucks. Uh

0:54:21.120 --> 0:54:22.919
<v Speaker 2>you said your phone's about hundred bucks too, right.

0:54:23.400 --> 0:54:25.000
<v Speaker 3>Yeah, I use my and I use my. Well, I

0:54:25.120 --> 0:54:27.279
<v Speaker 3>just got a new Yetti which I've properly broken three

0:54:27.360 --> 0:54:29.200
<v Speaker 3>days later. Yayell this.

0:54:30.600 --> 0:54:31.920
<v Speaker 2>She gon't tell them it broke on its own.

0:54:35.120 --> 0:54:36.200
<v Speaker 1>Yeah, No, it was like I think it was like

0:54:36.239 --> 0:54:38.080
<v Speaker 1>one twenty five. So maybe it's gone up a little

0:54:38.120 --> 0:54:39.840
<v Speaker 1>bit in price, but not significantly.

0:54:39.880 --> 0:54:43.480
<v Speaker 2>So that being said, I legit use my Apple iPhone

0:54:43.800 --> 0:54:47.320
<v Speaker 2>earbuds so often, so often because I really only started

0:54:47.360 --> 0:54:49.319
<v Speaker 2>using the Yetti again when we had to be at

0:54:49.320 --> 0:54:52.279
<v Speaker 2>home and I was recording through maternity leave. I wasn't

0:54:52.280 --> 0:54:54.200
<v Speaker 2>going to lug this. It's a heavy microphone. I wasn't

0:54:54.200 --> 0:54:55.880
<v Speaker 2>going to and I still worked in the city. I

0:54:55.880 --> 0:54:58.000
<v Speaker 2>wasn't going to lug it to work, so I would

0:54:58.000 --> 0:55:01.560
<v Speaker 2>just use my Apple earbuds and I never heard any complaints, y'all.

0:55:02.280 --> 0:55:05.160
<v Speaker 2>M well, let's take a couple more because it's almost

0:55:05.200 --> 0:55:08.360
<v Speaker 2>the baby's bedtime. Let's see. Oh, people want to know

0:55:08.360 --> 0:55:11.560
<v Speaker 2>about advertising? Yeah, ad agency? So how is how is

0:55:11.560 --> 0:55:13.839
<v Speaker 2>that possible? How do you get ads to do one?

0:55:13.880 --> 0:55:16.680
<v Speaker 2>And do you guys have I'm kind of combining a

0:55:16.680 --> 0:55:18.960
<v Speaker 2>bunch of questions. But do we pick and choose who

0:55:19.000 --> 0:55:23.360
<v Speaker 2>we advertise on the show two years ago?

0:55:22.480 --> 0:55:22.719
<v Speaker 3>Yes?

0:55:23.400 --> 0:55:25.080
<v Speaker 1>Oh yeah, we started it too. Well, we do pick

0:55:25.120 --> 0:55:26.560
<v Speaker 1>and choose, and then will they choose us? And then

0:55:26.560 --> 0:55:27.479
<v Speaker 1>we have to choose them back?

0:55:28.120 --> 0:55:30.200
<v Speaker 2>Yeah. Well, and this is a good note for networking.

0:55:30.280 --> 0:55:33.200
<v Speaker 2>So I actually our ad agency we were connected to

0:55:33.320 --> 0:55:35.800
<v Speaker 2>from a podcaster, fellow podcaster and friend of ours for

0:55:35.960 --> 0:55:39.000
<v Speaker 2>Nouche for News to Robbie. Her podcast is called so Money,

0:55:39.320 --> 0:55:40.759
<v Speaker 2>And I think I just reached out to her. Maybe

0:55:40.760 --> 0:55:42.759
<v Speaker 2>we were like getting dinner or something, and I just said, hey,

0:55:42.920 --> 0:55:45.560
<v Speaker 2>you know, who do you work with? And she connected

0:55:45.640 --> 0:55:48.200
<v Speaker 2>us to their business development. If you're looking for folks

0:55:48.280 --> 0:55:49.879
<v Speaker 2>to reach out to, you got a show and you're

0:55:49.920 --> 0:55:53.240
<v Speaker 2>interested in partnering, look on their LinkedIn and see who's

0:55:53.440 --> 0:55:56.680
<v Speaker 2>in charge of business development or talent acquisition. Those are

0:55:56.680 --> 0:55:59.000
<v Speaker 2>the folks that you want to get in front of.

0:55:59.360 --> 0:56:02.719
<v Speaker 2>And yeah, so she connected us, and I think that

0:56:02.840 --> 0:56:04.960
<v Speaker 2>was great because they already knew her show, they worked

0:56:05.000 --> 0:56:10.040
<v Speaker 2>with her, and having her endorse us was helpful. And yeah,

0:56:10.080 --> 0:56:11.239
<v Speaker 2>a couple of months, I feel like a couple of

0:56:11.280 --> 0:56:13.600
<v Speaker 2>months later we we had to deal with them. And

0:56:14.640 --> 0:56:17.960
<v Speaker 2>let's talk about so pretty standard ad deal. I mean

0:56:18.160 --> 0:56:20.799
<v Speaker 2>we have we can refuse any ads, and we do

0:56:20.880 --> 0:56:24.640
<v Speaker 2>a lot like partners, and we don't like to necessarily

0:56:24.640 --> 0:56:27.960
<v Speaker 2>pitch specific financial products and some some are just not

0:56:28.000 --> 0:56:30.520
<v Speaker 2>in alignment with Like what are some of the types

0:56:30.560 --> 0:56:32.040
<v Speaker 2>of brands that we've said that you say.

0:56:32.360 --> 0:56:35.120
<v Speaker 1>So typically like like if it's like supplements me and

0:56:35.280 --> 0:56:39.640
<v Speaker 1>made a book like I don't. Yeah, I mean like

0:56:39.719 --> 0:56:42.280
<v Speaker 1>food is one thing, like oh this is a delicious burger, sure,

0:56:42.520 --> 0:56:45.359
<v Speaker 1>but like hey, take this supplement to grow your hair.

0:56:45.440 --> 0:56:48.360
<v Speaker 1>I'm like, I don't know what, you know, feel a

0:56:48.400 --> 0:56:52.760
<v Speaker 1>little bit uneasy about that kind of thing, just because

0:56:52.760 --> 0:56:55.000
<v Speaker 1>it just feels like, well, what if somebody gets hurt?

0:56:55.160 --> 0:56:55.360
<v Speaker 1>You know?

0:56:56.000 --> 0:56:59.799
<v Speaker 2>Yeah, yeah, and it's you know and Tiffany and I.

0:56:59.840 --> 0:57:02.319
<v Speaker 2>We this is not our main source of income. It's

0:57:02.320 --> 0:57:04.120
<v Speaker 2>not that big of a show. I mean, we won't

0:57:04.160 --> 0:57:06.640
<v Speaker 2>be big. But you know, as far as like we

0:57:06.640 --> 0:57:08.879
<v Speaker 2>we do fine with the ads, the ads that we sell,

0:57:08.960 --> 0:57:10.880
<v Speaker 2>so but we don't we don't feel like we have

0:57:11.000 --> 0:57:12.759
<v Speaker 2>to say yes to everything. We're not just trying to

0:57:12.800 --> 0:57:15.879
<v Speaker 2>grab dollars out here. We genuinely try to say yes

0:57:15.920 --> 0:57:19.000
<v Speaker 2>to companies that we have used that we like, and

0:57:19.040 --> 0:57:22.160
<v Speaker 2>I don't I can't think of a sponsor recently who

0:57:22.160 --> 0:57:24.600
<v Speaker 2>we haven't personally used or liked or anything like that.

0:57:24.720 --> 0:57:27.920
<v Speaker 2>So yeah, we take it, take it personally. And commonly

0:57:27.960 --> 0:57:31.560
<v Speaker 2>the split with ad agencies like thirty five sixty five,

0:57:31.640 --> 0:57:33.880
<v Speaker 2>where you know, you keep sixty five, they get thirty five.

0:57:34.000 --> 0:57:37.320
<v Speaker 2>That's pretty common. And what Joe Budden was talking about

0:57:37.840 --> 0:57:40.120
<v Speaker 2>uh is important too. You know, when you if you're

0:57:40.120 --> 0:57:42.280
<v Speaker 2>going to sign with any agency and they try to

0:57:42.320 --> 0:57:45.080
<v Speaker 2>slip an exclusivity clause in there. That's something you want

0:57:45.080 --> 0:57:48.360
<v Speaker 2>to really pay attention to because depending on what the

0:57:48.400 --> 0:57:51.320
<v Speaker 2>language is, it can stop you from working with another network.

0:57:51.400 --> 0:57:54.280
<v Speaker 2>It can stop you from using another agency to sell

0:57:54.320 --> 0:57:56.800
<v Speaker 2>ads as well, even if they have more partners, or

0:57:56.880 --> 0:57:59.560
<v Speaker 2>maybe even just stop you from you know, they could

0:57:59.560 --> 0:58:02.760
<v Speaker 2>potentially lock you into a contract for longer than you

0:58:02.760 --> 0:58:05.720
<v Speaker 2>know you're wanting to. I think finding the right partner

0:58:05.800 --> 0:58:09.120
<v Speaker 2>is important. And what else can we say about ad agency?

0:58:09.240 --> 0:58:11.880
<v Speaker 2>They're only an ad agency. So there's some networks out

0:58:11.880 --> 0:58:14.760
<v Speaker 2>there that do a lot more than just advertising selling

0:58:14.760 --> 0:58:17.640
<v Speaker 2>ads for your show, And depending on what your show

0:58:17.680 --> 0:58:20.680
<v Speaker 2>is like, that maybe something that you want. And it's

0:58:20.720 --> 0:58:23.640
<v Speaker 2>certainly something that Tiffany and I are you know, working

0:58:23.720 --> 0:58:26.920
<v Speaker 2>on a little some something as we look to grow

0:58:27.000 --> 0:58:30.720
<v Speaker 2>and and you know, take brand ambition to the next level.

0:58:31.000 --> 0:58:33.000
<v Speaker 2>But yeah, I hope that was I'm trying to think

0:58:33.040 --> 0:58:35.480
<v Speaker 2>of like good details that people will think, Okay, that

0:58:35.600 --> 0:58:38.320
<v Speaker 2>was insightful. It's a lot of pressure.

0:58:40.560 --> 0:58:41.439
<v Speaker 3>No, I think that was good.

0:58:41.480 --> 0:58:44.880
<v Speaker 1>I think that, you know, as with anything, I think,

0:58:45.000 --> 0:58:48.560
<v Speaker 1>you know, build your you know, get consistency is key.

0:58:48.720 --> 0:58:51.080
<v Speaker 2>Oh thank you for saying that, yes, and tell the

0:58:51.120 --> 0:58:53.560
<v Speaker 2>people tiff and I don't have bosses, y'all. We just

0:58:53.600 --> 0:58:56.600
<v Speaker 2>do the show every week because we know how important

0:58:56.600 --> 0:58:58.400
<v Speaker 2>it is to be consistent. It's become a.

0:58:58.360 --> 0:59:02.440
<v Speaker 1>Habit exactly, and because it's I mean literally we could

0:59:02.680 --> 0:59:05.840
<v Speaker 1>say no, but every week, I mean barring, like you know,

0:59:05.960 --> 0:59:08.880
<v Speaker 1>Mandy had the baby, and sometimes we'll we'll take some

0:59:09.040 --> 0:59:10.840
<v Speaker 1>like a month off in the summer or something like that.

0:59:10.920 --> 0:59:14.640
<v Speaker 3>But honestly, we have been so consistent.

0:59:14.320 --> 0:59:16.600
<v Speaker 1>And it's not easy, you know, like literally, there are

0:59:16.600 --> 0:59:19.919
<v Speaker 1>times where Mandy's like, you know, I have a thing,

0:59:20.040 --> 0:59:21.040
<v Speaker 1>can we push it time back?

0:59:21.160 --> 0:59:22.800
<v Speaker 3>Or am I be like, ah, Mandy, I'm going to

0:59:22.840 --> 0:59:24.600
<v Speaker 3>be on a flight. Can we do it on a Saturday?

0:59:24.720 --> 0:59:27.840
<v Speaker 1>Or so? Even though the show airs like, you know,

0:59:27.920 --> 0:59:30.480
<v Speaker 1>the same time, for the most part, we tape on

0:59:30.560 --> 0:59:32.400
<v Speaker 1>the like around the same time on the on the

0:59:32.400 --> 0:59:34.640
<v Speaker 1>same day of the week. But we're really flexible with

0:59:34.680 --> 0:59:36.440
<v Speaker 1>each other, like, no problem, you know what, I can

0:59:36.440 --> 0:59:39.200
<v Speaker 1>wake up a little earlier, stay up a little later.

0:59:39.080 --> 0:59:40.160
<v Speaker 3>If need be.

0:59:40.400 --> 0:59:44.120
<v Speaker 1>So consistency is key, but allowing flexibility if you're going

0:59:44.200 --> 0:59:47.000
<v Speaker 1>to have somebody that you you you tape with, because

0:59:47.120 --> 0:59:50.360
<v Speaker 1>real life happens and the podcast is not more important

0:59:50.400 --> 0:59:53.000
<v Speaker 1>than your family and your friends and making sure you're okay.

0:59:53.560 --> 0:59:57.040
<v Speaker 1>So we make we make that clear distinction that you

0:59:57.200 --> 0:59:59.720
<v Speaker 1>need to be okay. This can always wait, We'll figure

0:59:59.760 --> 1:00:02.560
<v Speaker 1>it out later. But yeah, we've been really consistent. I've

1:00:02.600 --> 1:00:04.760
<v Speaker 1>been proud of that because it's not our lives. It's

1:00:04.760 --> 1:00:06.320
<v Speaker 1>so crazy because I feel like me and Manny grew

1:00:06.440 --> 1:00:07.520
<v Speaker 1>up on the podcast.

1:00:07.520 --> 1:00:09.120
<v Speaker 3>Like we met. We were a single girl. I mean,

1:00:09.160 --> 1:00:12.400
<v Speaker 3>we were dating our significant others. Was I even dating Superman?

1:00:12.840 --> 1:00:13.960
<v Speaker 3>How do I even know how I date?

1:00:14.840 --> 1:00:18.680
<v Speaker 2>I don't know either. You're twenty fifteen, twenty fourteen.

1:00:18.760 --> 1:00:22.120
<v Speaker 3>Really, I think I was dating, but not just him.

1:00:24.320 --> 1:00:26.840
<v Speaker 1>So I was dating him, but he wasn't my only

1:00:27.360 --> 1:00:30.520
<v Speaker 1>But yeah, so we were like single and then you know,

1:00:30.600 --> 1:00:33.000
<v Speaker 1>we started. We've got in a serious relationship around the

1:00:33.040 --> 1:00:34.680
<v Speaker 1>same time. I think you but you were already dating.

1:00:34.680 --> 1:00:37.480
<v Speaker 2>You were, Yeah, we were almost engaged. I think our

1:00:37.520 --> 1:00:40.080
<v Speaker 2>engagement was like one of our early episodes that was

1:00:40.120 --> 1:00:41.240
<v Speaker 2>the news exciting.

1:00:41.280 --> 1:00:43.960
<v Speaker 1>And then you got married, and then I got married,

1:00:44.200 --> 1:00:47.800
<v Speaker 1>and then you're the baby and baby's working on over here,

1:00:47.840 --> 1:00:49.080
<v Speaker 1>and you bought a house.

1:00:49.160 --> 1:00:49.720
<v Speaker 3>I bought a house.

1:00:49.720 --> 1:00:52.320
<v Speaker 1>It's just I feel like I love that our audience

1:00:52.320 --> 1:00:56.160
<v Speaker 1>has followed us through like IVF and buying a home

1:00:56.320 --> 1:01:01.320
<v Speaker 1>and you know, and investing, and just we're like, you know,

1:01:01.400 --> 1:01:03.800
<v Speaker 1>from you used to work at Yahoo Finance and now

1:01:03.800 --> 1:01:06.840
<v Speaker 1>you're this big boss over there at lending Tree, and

1:01:06.880 --> 1:01:09.000
<v Speaker 1>it's just like you know, when I first started, I

1:01:09.040 --> 1:01:11.200
<v Speaker 1>don't I don't even know if the Literature Academy was

1:01:11.200 --> 1:01:13.160
<v Speaker 1>a thing yet, and it's getting.

1:01:12.880 --> 1:01:15.840
<v Speaker 2>Started because I was interviewing you for Yahoo at the

1:01:15.880 --> 1:01:18.480
<v Speaker 2>time the launch of the Literature.

1:01:18.600 --> 1:01:22.800
<v Speaker 1>Academy Challenge, not even the Academy mm hm. And so

1:01:23.040 --> 1:01:25.240
<v Speaker 1>just to see that growth, that's what I love about

1:01:25.240 --> 1:01:28.320
<v Speaker 1>this podcast. It's like one day our kids will be

1:01:28.360 --> 1:01:29.880
<v Speaker 1>able to look back. It's almost like that. It's like

1:01:29.920 --> 1:01:32.680
<v Speaker 1>a living diary of our lives, an audio diary.

1:01:32.880 --> 1:01:34.880
<v Speaker 2>It truly is. I think, why don't I journal? And

1:01:34.880 --> 1:01:37.000
<v Speaker 2>I'm like, what I do? Talk and record myself once

1:01:37.000 --> 1:01:39.760
<v Speaker 2>a week. But can I just say though we can't.

1:01:39.760 --> 1:01:42.120
<v Speaker 2>I mean, consistency is the biggest thing, Tiffany, But it's

1:01:42.120 --> 1:01:45.880
<v Speaker 2>also reliability of who you're working with. And like I said,

1:01:45.920 --> 1:01:48.240
<v Speaker 2>I'm not Tiffany's boss, she's not my boss, but we

1:01:48.320 --> 1:01:51.120
<v Speaker 2>have there's just a mutual respect and understanding that we

1:01:51.160 --> 1:01:53.320
<v Speaker 2>are in this together and that we both care about

1:01:53.320 --> 1:01:55.760
<v Speaker 2>it and that we show up. You know, yes, we

1:01:55.800 --> 1:01:59.040
<v Speaker 2>may get sick. And I mean I was uploading you know,

1:01:59.200 --> 1:02:02.000
<v Speaker 2>rerun episode when I was in the labor room, you know,

1:02:02.560 --> 1:02:04.479
<v Speaker 2>and I think I'd maybe take a couple of weeks

1:02:04.520 --> 1:02:06.800
<v Speaker 2>off for the baby and all that. But it's it's

1:02:06.880 --> 1:02:10.680
<v Speaker 2>not you know, without with if having you know, Tiffany

1:02:10.680 --> 1:02:12.400
<v Speaker 2>and I just without having the stress of like will

1:02:12.400 --> 1:02:14.800
<v Speaker 2>they show up, like will they respond to an email?

1:02:15.400 --> 1:02:17.800
<v Speaker 2>You know that that really can kill a show if

1:02:17.800 --> 1:02:19.320
<v Speaker 2>you don't have that trust in each other. And I

1:02:19.360 --> 1:02:22.600
<v Speaker 2>think that's definitely, you know, beyond just like our mutual

1:02:22.680 --> 1:02:27.120
<v Speaker 2>respect and love for each other. It's about just showing

1:02:27.200 --> 1:02:29.400
<v Speaker 2>up and being reliable. And if you're going to do

1:02:29.440 --> 1:02:32.200
<v Speaker 2>something with someone, make sure that there's someone you trust

1:02:32.280 --> 1:02:35.760
<v Speaker 2>as a partner and someone who you know will show

1:02:35.800 --> 1:02:37.480
<v Speaker 2>up for you. Don't want to be chasing someone around.

1:02:38.080 --> 1:02:41.240
<v Speaker 1>Yeah, Like it's like, h so, if you don't want

1:02:41.280 --> 1:02:43.240
<v Speaker 1>to do this, let me know, you know.

1:02:43.360 --> 1:02:45.160
<v Speaker 3>And also too, but someone to who's going to be

1:02:45.200 --> 1:02:48.600
<v Speaker 3>understanding because I remember there was a time in business

1:02:48.600 --> 1:02:51.360
<v Speaker 3>where I was I didn't I mean, I'm better now,

1:02:51.400 --> 1:02:53.360
<v Speaker 3>but I mean things are still busy, but I'm better

1:02:53.400 --> 1:02:55.760
<v Speaker 3>at delegating, so I don't feel so overwhelmed. But I

1:02:55.880 --> 1:02:58.640
<v Speaker 3>felt so overwhelmed. We used to tape.

1:02:59.240 --> 1:03:01.040
<v Speaker 1>We used to have the podcasts come out on Tuesdays

1:03:01.040 --> 1:03:03.640
<v Speaker 1>because we taped on Mondays. But Mondays I was doing

1:03:04.040 --> 1:03:07.080
<v Speaker 1>individual phone calls with everyone on my team, so literally

1:03:07.120 --> 1:03:09.000
<v Speaker 1>I would be on the phone for like eight hours

1:03:09.040 --> 1:03:10.800
<v Speaker 1>straight and then tape the podcast.

1:03:10.920 --> 1:03:12.960
<v Speaker 3>And I was like, I'm gonna die. And I was like,

1:03:13.040 --> 1:03:16.600
<v Speaker 3>maybe Manny cave mees days, I can't do this. You

1:03:16.640 --> 1:03:17.120
<v Speaker 3>were like sure.

1:03:17.160 --> 1:03:20.240
<v Speaker 2>I was like, oh, we make the rules we make

1:03:20.560 --> 1:03:23.160
<v Speaker 2>That's the best thing about it being independent. We make

1:03:23.200 --> 1:03:26.560
<v Speaker 2>the rules. Yea working with that agency as sorry, go

1:03:26.560 --> 1:03:27.360
<v Speaker 2>ahead now.

1:03:27.400 --> 1:03:28.920
<v Speaker 1>I was gonna say that just helped so much. I

1:03:29.040 --> 1:03:30.840
<v Speaker 1>was just because honestly, I was ready to be like

1:03:30.880 --> 1:03:33.160
<v Speaker 1>I can't do this. I was like something has to give.

1:03:33.520 --> 1:03:34.560
<v Speaker 1>I was going to be like, I don't know if

1:03:34.560 --> 1:03:36.960
<v Speaker 1>I could do the podcast. And then I remember jot

1:03:37.040 --> 1:03:39.080
<v Speaker 1>Elsho's on my team. I told her, I said, I

1:03:39.120 --> 1:03:40.440
<v Speaker 1>don't know I'm gonna be able to keep doing the

1:03:40.440 --> 1:03:42.640
<v Speaker 1>podcast because on Mondays. She's like, why don't you just

1:03:42.640 --> 1:03:44.080
<v Speaker 1>ask man if you could take another day.

1:03:44.360 --> 1:03:49.800
<v Speaker 4>I was like, oh, I asked you and you were

1:03:49.840 --> 1:03:53.000
<v Speaker 4>like sure, and I was like, oh, okay, and if

1:03:53.000 --> 1:03:54.760
<v Speaker 4>we taped on Tuesday, which was a lighter day for

1:03:54.880 --> 1:03:57.160
<v Speaker 4>me then and I was like, oh, it was just

1:03:57.200 --> 1:03:57.840
<v Speaker 4>such a good lesson.

1:03:57.880 --> 1:03:59.919
<v Speaker 3>I mean, now we're back to mondays because mondays make sense.

1:04:00.000 --> 1:04:03.680
<v Speaker 1>But yeah, it's just yeah, having someone that you can also,

1:04:04.440 --> 1:04:06.400
<v Speaker 1>if you're going to have someone on your podcast, that

1:04:06.520 --> 1:04:10.040
<v Speaker 1>you're going to have a co host, someone that you know,

1:04:10.440 --> 1:04:14.400
<v Speaker 1>that you can that that cares about you beyond the show.

1:04:14.520 --> 1:04:15.840
<v Speaker 3>I think that's important too.

1:04:16.560 --> 1:04:19.520
<v Speaker 2>Yeah, one hundred percent. And I'm so happy to be

1:04:19.560 --> 1:04:21.320
<v Speaker 2>on this journey together and I'm glad that we own

1:04:21.360 --> 1:04:23.000
<v Speaker 2>it and that it's ours. You know, we did this,

1:04:23.200 --> 1:04:26.320
<v Speaker 2>and I think that's why we have the success that

1:04:26.360 --> 1:04:29.360
<v Speaker 2>we've We've had all those different factors. I think that's

1:04:29.360 --> 1:04:31.560
<v Speaker 2>the talent. I think we both have interesting stories to tell,

1:04:31.600 --> 1:04:35.720
<v Speaker 2>we both have knowledge, but we also respect our listeners

1:04:35.760 --> 1:04:37.760
<v Speaker 2>and each other. And you need that from the business

1:04:37.760 --> 1:04:40.560
<v Speaker 2>side if you guys want to succeed, you know, in

1:04:40.600 --> 1:04:44.200
<v Speaker 2>the podcast land. And absolutely, Tiffany and I feel a niche.

1:04:44.360 --> 1:04:46.760
<v Speaker 2>I mean, there really weren't very many, if any at all,

1:04:47.160 --> 1:04:49.600
<v Speaker 2>podcast hosts that look like us in our space careers

1:04:49.640 --> 1:04:52.080
<v Speaker 2>and investing in finance, whatever our category is now in

1:04:52.120 --> 1:04:55.360
<v Speaker 2>business and that matters so and I want to tell

1:04:55.400 --> 1:04:57.560
<v Speaker 2>you now it may seem like, you know, podcasting is

1:04:57.600 --> 1:05:00.240
<v Speaker 2>so crowded and there's no space for new voice. Is

1:05:00.280 --> 1:05:03.360
<v Speaker 2>there is? There is new space for new voices. People

1:05:03.400 --> 1:05:06.280
<v Speaker 2>will always want to make money, y'all. And advertisers are

1:05:06.320 --> 1:05:09.919
<v Speaker 2>flocking to podcasts. They know that listeners are engaged, they

1:05:09.960 --> 1:05:14.680
<v Speaker 2>come back, they listen through, and they want shows that

1:05:15.080 --> 1:05:17.520
<v Speaker 2>occur at least weekly. So if you're thinking about launching

1:05:17.560 --> 1:05:20.320
<v Speaker 2>a podcast, and you know, I have so much respect

1:05:20.360 --> 1:05:24.360
<v Speaker 2>for narrative, journalistic long form podcasting. I love those shows,

1:05:24.720 --> 1:05:26.680
<v Speaker 2>the true crime shows that are like ten or twelve

1:05:26.680 --> 1:05:29.040
<v Speaker 2>episodes limited series. But at the end of the day,

1:05:29.040 --> 1:05:30.720
<v Speaker 2>and I've talked to a lot of people in podcasts

1:05:30.760 --> 1:05:34.320
<v Speaker 2>business lately and they're like, listen, what advertisers want are

1:05:34.320 --> 1:05:36.600
<v Speaker 2>shows that are weekly and they are on all the

1:05:36.640 --> 1:05:39.360
<v Speaker 2>time because that is a billboard each week that they

1:05:39.360 --> 1:05:42.160
<v Speaker 2>can advertise. So you know, if you're thinking about a show,

1:05:42.200 --> 1:05:44.000
<v Speaker 2>I would keep that in mind. And how often are

1:05:44.000 --> 1:05:46.040
<v Speaker 2>you going to record? You know, will it be appealing,

1:05:46.120 --> 1:05:48.240
<v Speaker 2>do you like who is your audience and is it

1:05:48.280 --> 1:05:51.440
<v Speaker 2>a segment that people are interested in selling to, you know,

1:05:51.440 --> 1:05:53.680
<v Speaker 2>Tiffany and I most for listeners are twenty five to

1:05:53.680 --> 1:05:55.960
<v Speaker 2>forty five, and that just happens to be in African

1:05:56.040 --> 1:06:00.520
<v Speaker 2>American women. Hey, y'all. Ninety percent of y'all about Hello y'all.

1:06:01.560 --> 1:06:04.840
<v Speaker 2>And you know, advertisers know that we like to spend money,

1:06:05.280 --> 1:06:08.200
<v Speaker 2>and that's a beautiful thing. And but you know, know

1:06:08.240 --> 1:06:10.720
<v Speaker 2>your audience and and and do your research, listen to

1:06:10.760 --> 1:06:15.120
<v Speaker 2>shows and see what is lacking, see what's missing, and

1:06:15.120 --> 1:06:17.040
<v Speaker 2>and you know and know that it's a long haul,

1:06:17.080 --> 1:06:20.560
<v Speaker 2>like we've been in it for five years and we

1:06:20.640 --> 1:06:23.720
<v Speaker 2>still have so much growth ahead of us. But you may,

1:06:24.160 --> 1:06:26.280
<v Speaker 2>you know, I wouldn't quit your day job like right

1:06:26.280 --> 1:06:29.040
<v Speaker 2>away for sure. You want to you know, build your audience,

1:06:29.080 --> 1:06:33.640
<v Speaker 2>be true to them, and yeah, we'd be, I don't know,

1:06:34.240 --> 1:06:36.640
<v Speaker 2>be supportive of each other. If I'm just assuming everyone

1:06:36.640 --> 1:06:38.520
<v Speaker 2>wants to do a bestie podcast like us.

1:06:39.720 --> 1:06:41.200
<v Speaker 1>Some people want to do it by themselves, and there's

1:06:41.240 --> 1:06:43.840
<v Speaker 1>nothing wrong with that either, And you don't have to

1:06:44.040 --> 1:06:46.880
<v Speaker 1>Like I mean, y'all know me and Mandy are we

1:06:47.080 --> 1:06:51.760
<v Speaker 1>have distinct personalities. I'm definitely like silly, crazy. I mean,

1:06:51.760 --> 1:06:53.240
<v Speaker 1>I can be serious when I feel like it. You

1:06:53.280 --> 1:06:56.160
<v Speaker 1>don't have to be Mandy doesn't have to be like me.

1:06:56.240 --> 1:06:58.240
<v Speaker 1>I don't have to be like Mandy. Just know that

1:06:58.680 --> 1:07:02.080
<v Speaker 1>how you are. Just be that, and people will fall

1:07:02.120 --> 1:07:05.040
<v Speaker 1>in love with who you are. Your people will find

1:07:05.160 --> 1:07:07.000
<v Speaker 1>you and fall in love with who how you are.

1:07:07.080 --> 1:07:08.640
<v Speaker 1>I think sometimes people think they have to put on

1:07:08.720 --> 1:07:11.320
<v Speaker 1>you don't like, if you were to meet me in person,

1:07:11.400 --> 1:07:12.840
<v Speaker 1>this is how I am. If you were to meet

1:07:12.840 --> 1:07:15.720
<v Speaker 1>Mandy in person, that's how she is. It's I think

1:07:15.720 --> 1:07:18.160
<v Speaker 1>it's really important to just show up as you because

1:07:18.160 --> 1:07:20.640
<v Speaker 1>you are more than enough, and those people who will

1:07:20.680 --> 1:07:22.960
<v Speaker 1>resonate with you will stay and those who don't want

1:07:23.040 --> 1:07:26.040
<v Speaker 1>and you don't want the non resonators to stay, you know,

1:07:26.080 --> 1:07:27.960
<v Speaker 1>because those are the ones that bitch and talk about.

1:07:28.000 --> 1:07:29.160
<v Speaker 1>Don't talk about your uterus.

1:07:29.160 --> 1:07:32.080
<v Speaker 2>Hey girl, Hey, they still have to review, though, I

1:07:32.080 --> 1:07:33.360
<v Speaker 2>think it would. I think if they left a couple

1:07:33.400 --> 1:07:38.760
<v Speaker 2>of stars, a few stars sports all right, Well but yeah,

1:07:38.800 --> 1:07:40.520
<v Speaker 2>well y'all know my I do actually do have a

1:07:40.560 --> 1:07:42.800
<v Speaker 2>boss and his name is Rio, and homeboy wants to

1:07:42.800 --> 1:07:45.560
<v Speaker 2>go to sleep, so we have to wrap this up.

1:07:45.560 --> 1:07:48.160
<v Speaker 2>But this was great. It's nice to reflect, especially coming

1:07:48.240 --> 1:07:49.560
<v Speaker 2>up on our five year anniversary.

1:07:49.800 --> 1:07:50.240
<v Speaker 3>I know.

1:07:52.520 --> 1:07:54.680
<v Speaker 2>Yes, all right, guys, well, thank you again for all

1:07:54.720 --> 1:07:59.440
<v Speaker 2>your support, and let's let's uh, let's uh wrap this up.

1:07:59.480 --> 1:08:00.800
<v Speaker 2>What am I trying to say, Let's rap it up.

1:08:00.840 --> 1:08:04.160
<v Speaker 2>Let's wrap it up Gmail dot com. With any more questions,

1:08:04.320 --> 1:08:06.640
<v Speaker 2>DM me. I'm at Mandy Money with an I, M

1:08:06.680 --> 1:08:08.760
<v Speaker 2>A and d I money on the gram. If you

1:08:08.760 --> 1:08:10.320
<v Speaker 2>want to send me a personal DM, or you can

1:08:10.400 --> 1:08:12.919
<v Speaker 2>hit us up at Brandon Mission Podcast. I check those two.

1:08:13.360 --> 1:08:15.680
<v Speaker 2>And if you have more questions about starting a podcast

1:08:15.760 --> 1:08:17.800
<v Speaker 2>or what it takes, I'm more than happy to share.

1:08:17.920 --> 1:08:20.559
<v Speaker 2>There is more than enough room for all those who

1:08:20.600 --> 1:08:23.400
<v Speaker 2>want to have a podcast. Join us. It's nice here.

1:08:24.280 --> 1:08:26.400
<v Speaker 1>Yes, you can always follow me by Janissa on Instagram.

1:08:26.400 --> 1:08:28.000
<v Speaker 1>I'm not gonna prompt some and to answer your dms

1:08:28.000 --> 1:08:30.240
<v Speaker 1>because I get a lot, but I will say this

1:08:33.000 --> 1:08:33.880
<v Speaker 1>my IG channel.

1:08:35.080 --> 1:08:36.240
<v Speaker 2>What about your IG channel?

1:08:36.560 --> 1:08:37.799
<v Speaker 3>I said, you'll get a good laugh.

1:08:37.680 --> 1:08:40.160
<v Speaker 1>While learning about finances. I just posted some funny things

1:08:40.200 --> 1:08:41.800
<v Speaker 1>funny meme today that everyone's like.

1:08:41.840 --> 1:08:44.240
<v Speaker 3>Oh girl, get out my business.

1:08:44.439 --> 1:08:46.800
<v Speaker 1>I love to do like a little funny financial meme

1:08:46.880 --> 1:08:48.599
<v Speaker 1>and then hit you with the knowledge afterward.

1:08:48.680 --> 1:08:50.920
<v Speaker 2>But yeah, Okay.

1:08:50.680 --> 1:08:52.440
<v Speaker 3>So we gotta do a quick booster break.

1:08:53.320 --> 1:08:56.840
<v Speaker 2>Really quick, like five second. My five second boost will

1:08:56.840 --> 1:09:01.240
<v Speaker 2>be that we finally closed our mortgage REFI loan is funded,

1:09:01.640 --> 1:09:05.080
<v Speaker 2>old mortgage paid off, new mortgage done, and we did

1:09:05.120 --> 1:09:07.200
<v Speaker 2>it before the end of August, which somehow means we

1:09:07.200 --> 1:09:09.240
<v Speaker 2>don't have to pay a mortgage payment in September. I

1:09:09.280 --> 1:09:11.840
<v Speaker 2>don't know. I'm sure they get their money eventually, but yay,

1:09:12.240 --> 1:09:14.920
<v Speaker 2>make nine ten and we got a great rate down

1:09:14.920 --> 1:09:18.400
<v Speaker 2>from four point thirty seven to two point eight seven, not.

1:09:18.320 --> 1:09:21.560
<v Speaker 3>Shabby, and I'm amazing.

1:09:21.200 --> 1:09:23.800
<v Speaker 2>Oh thank you. Yeah, I'm excited, and I we're gonna

1:09:23.880 --> 1:09:26.320
<v Speaker 2>We decided we're gonna put the extra savings into a

1:09:26.320 --> 1:09:28.880
<v Speaker 2>brokerage account instead of using it to pay down our

1:09:28.880 --> 1:09:31.240
<v Speaker 2>mortgage because the rate is so low. It's only two

1:09:31.240 --> 1:09:33.120
<v Speaker 2>point eight percent. So we were like, okay, let's take

1:09:33.120 --> 1:09:35.080
<v Speaker 2>that extra I think we're saving three point fifty six.

1:09:35.120 --> 1:09:38.120
<v Speaker 2>It came down to, finally, we're gonna throw that into

1:09:38.200 --> 1:09:41.360
<v Speaker 2>a broke Maybe we'll throw it into some applestock. I

1:09:41.400 --> 1:09:43.840
<v Speaker 2>don't know, we'll see, we're gonna invest it.

1:09:44.479 --> 1:09:45.520
<v Speaker 1>Do it.

1:09:46.960 --> 1:09:49.360
<v Speaker 3>Well, I'm gonna do like a boosty breaking. So here's

1:09:49.360 --> 1:09:49.960
<v Speaker 3>the break part.

1:09:50.080 --> 1:09:52.240
<v Speaker 1>So people always doing I don't know right now, it's

1:09:52.240 --> 1:09:54.639
<v Speaker 1>really huge online to do like these fake like accounts.

1:09:54.640 --> 1:09:54.880
<v Speaker 3>You know.

1:09:55.439 --> 1:09:58.600
<v Speaker 1>So a new spam account popped up on Facebook that

1:09:58.640 --> 1:10:01.160
<v Speaker 1>they use like my image whatever. So that's the break part.

1:10:01.200 --> 1:10:03.920
<v Speaker 1>You're like, oh, I'm tired. But the boost part is

1:10:03.960 --> 1:10:04.439
<v Speaker 1>the name.

1:10:04.720 --> 1:10:06.200
<v Speaker 3>I'm not gonna lie. It's hilarious.

1:10:06.560 --> 1:10:14.520
<v Speaker 1>So this person said, my name is paquitoq Paquito. Okay,

1:10:14.280 --> 1:10:16.080
<v Speaker 1>then I have to I gotta send you up. I'm

1:10:16.080 --> 1:10:19.840
<v Speaker 1>gonna send your picture Paquito Gift, Like that is the

1:10:19.920 --> 1:10:22.720
<v Speaker 1>name of like my new So if you see me

1:10:23.000 --> 1:10:25.360
<v Speaker 1>on Facebook and you see my picture and it says

1:10:25.520 --> 1:10:27.559
<v Speaker 1>this is Paquito Gift, this is a real account.

1:10:27.640 --> 1:10:29.320
<v Speaker 3>This is literally what it says. This is a real

1:10:29.320 --> 1:10:32.080
<v Speaker 3>account registered your name to be a winner. I'm giving

1:10:32.080 --> 1:10:35.880
<v Speaker 3>away five thousand dollars in cash giveaways. Yes, Paquito is

1:10:36.320 --> 1:10:38.639
<v Speaker 3>So I just thought that that was hilarious. If someone

1:10:38.680 --> 1:10:40.479
<v Speaker 3>sent me a screenshot and I was like, is this real,

1:10:40.680 --> 1:10:42.240
<v Speaker 3>They're like, girl, someone's pretending.

1:10:41.880 --> 1:10:43.880
<v Speaker 1>To be you. I said, you know what, if you

1:10:43.920 --> 1:10:46.320
<v Speaker 1>give your money to Paquito, you deserve it.

1:10:49.960 --> 1:10:54.280
<v Speaker 2>That is really hilarious. So that's it.

1:10:54.360 --> 1:10:57.760
<v Speaker 1>That was My break is I wish people would stop,

1:10:57.760 --> 1:10:59.920
<v Speaker 1>you know, using my image to have a fake account.

1:10:59.920 --> 1:11:03.160
<v Speaker 1>But the boost is it's hilarious, and you know what,

1:11:03.320 --> 1:11:04.519
<v Speaker 1>call me Pakito from now.

1:11:04.840 --> 1:11:06.479
<v Speaker 3>I just I can't get home that day.

1:11:06.840 --> 1:11:09.439
<v Speaker 2>I don't know. I don't know. I have Team Tiffany

1:11:09.520 --> 1:11:11.760
<v Speaker 2>on our on our BA swag which is coming, by

1:11:11.800 --> 1:11:13.479
<v Speaker 2>the way, b a merch. You should be able to

1:11:13.479 --> 1:11:15.360
<v Speaker 2>buy it with them. I'm going to give myself another week.

1:11:15.400 --> 1:11:17.200
<v Speaker 2>I'm gonna figure this out. But we got the merch.

1:11:17.280 --> 1:11:20.080
<v Speaker 2>It's looking good, y'all so cute. We're gonna have bran

1:11:20.120 --> 1:11:25.720
<v Speaker 2>Ambision onesies, brown Ambission teas, sweatshirt, tote bag, get all

1:11:25.760 --> 1:11:28.799
<v Speaker 2>the swag. It'll be on our website soon. Stay tuned.

1:11:29.479 --> 1:11:33.599
<v Speaker 2>I don't know. Maybe I'll put Pakito limited editions.

1:11:33.960 --> 1:11:35.760
<v Speaker 3>Oh my god, just a limited.

1:11:35.880 --> 1:11:40.360
<v Speaker 2>Pakito limited edition? Uh what do you want? T shirt? Tank?

1:11:40.400 --> 1:11:41.439
<v Speaker 2>We can we can make it happen.

1:11:41.960 --> 1:11:45.920
<v Speaker 3>Yes, so it should just say who is Pakito?

1:11:46.040 --> 1:11:50.000
<v Speaker 1>And meanwhile, there's so many unnecessary letters involved in Pakito.

1:11:50.120 --> 1:11:51.560
<v Speaker 1>I'm just I'm gonna send it to you just so

1:11:51.600 --> 1:11:53.400
<v Speaker 1>you could be like, how many cues are there?

1:11:55.800 --> 1:11:58.240
<v Speaker 3>So go take care baby, yo, We thank you guys

1:11:58.240 --> 1:12:00.880
<v Speaker 3>for joining us. As for usual, we love y'all, love y'all.

1:12:00.880 --> 1:12:03.519
<v Speaker 2>All right, Tiffy, well, thank you for going late tonight.

1:12:03.600 --> 1:12:06.559
<v Speaker 2>I know we're way over. No, that's okay, all right,

1:12:06.600 --> 1:12:09.920
<v Speaker 2>all right, go get snacks for your man, all right.

1:12:10.400 --> 1:12:11.679
<v Speaker 3>Bye, Bye Bye Talking test