Speaker 1: Hey, hey, hey, I hit my my my lamp because
Speaker 1: I feel free a little. Yeah, last one, I'm free
Speaker 1: from his his snack demands for the next hour.
Speaker 2: Wait, who is snack demands?
Speaker 3: Superman like?
Speaker 1: So he got his he got foot surgery because low key,
Speaker 1: high key he has hammertoes.
Speaker 2: I don't related podcast Macho one of the leads, right,
Speaker 2: he did not.
Speaker 1: Listen to podcast. So if y'all see him in the streets,
Speaker 1: don't you tell him?
Speaker 3: I told y'all.
Speaker 1: So, so he was like, oh, you know, I'm gonna
Speaker 1: get you know, get them get you get one foot
Speaker 1: at a time.
Speaker 3: But he really can't walk. He's a boot. He's to
Speaker 3: basically stay.
Speaker 1: You know, you pretty stay, you know, like he can
Speaker 1: go from place to place, but with his crutches, but
Speaker 1: him has to basically stay in one place. And so
Speaker 1: it's been like, hey, can you bring me water? I'm
Speaker 1: like here, yes, I am. I feel like, you know,
Speaker 1: morning you tonight. I'm like, do you always.
Speaker 3: Eat this much?
Speaker 1: Wait?
Speaker 2: It's only one foot though? Does he not have crutches?
Speaker 2: Or he does?
Speaker 1: But honestly, you know, we we have a we have
Speaker 1: three floors. So it's honestly like seeing him come down
Speaker 1: the stairs and crutches.
Speaker 2: I'm like, uh, you know what, just staying here because
Speaker 2: so you're going up and down three floors.
Speaker 1: Yeah, and it's honestly really hard. So I know, so
Speaker 1: it's hard for him. I mean, so he does come down.
Speaker 1: I would say he comes down like once a day,
Speaker 1: but it's too much to go, Like, he can't go up, down, up, down.
Speaker 1: So I'm like, I'm having to bring up breakfast, lunch, dinner,
Speaker 1: and snacks and I'm sorry. I try to like, you know,
Speaker 1: pack him, like, hey, so all these snacks, this is
Speaker 1: really to last you.
Speaker 3: So I'm gonna need you to budget you're eating.
Speaker 1: I felt bad because he called me like a like
Speaker 1: an hour ago, was like hello.
Speaker 3: Wet to see there you go.
Speaker 1: See maybe he knows so crazy by Suman even when
Speaker 1: he can't knock on the door to push through, he's like,
Speaker 1: I'm still there.
Speaker 2: I'll sound for you. That should be your ring tone
Speaker 2: his text tone for him, just the sound of a
Speaker 2: door opening. I'm hiding in my basement right now. This
Speaker 2: is new for me. I'm hying because well this is
Speaker 2: we've we've been working on fixing up the basement, and
Speaker 2: I think what I'm going to do well. I already
Speaker 2: have the peloton down here. That's what started it. As
Speaker 2: soon as a woman wanted to be down here being me,
Speaker 2: I was like, this is this is inhabitable for endie
Speaker 2: human life. We have got to fix it up because
Speaker 2: this is where you know, Husby comes down here and
Speaker 2: does his little projects and I don't know what he does.
Speaker 2: He has like a so no speaker installed, he has
Speaker 2: you know, his tool area set up. I'm taking over
Speaker 2: this joint. He does not even know it, but the
Speaker 2: peloton's here. Now, I'm going to set up my podcasting area.
Speaker 2: I'm going to set up my YouTube area. And this
Speaker 2: is gonna be Mandyland.
Speaker 3: It's a man cave. Is just she she shed.
Speaker 2: He's got it. I mean he's fine. He has his
Speaker 2: little he still has his don't like he has his
Speaker 2: his little corner of the basement, but he also has
Speaker 2: the shed and he's he's gonna be fine. I need this.
Speaker 2: I need this space for myself. It really does feel
Speaker 2: like when I close that door and I walk down
Speaker 2: here to this damp, dingy you know, like mosquito and
Speaker 2: fly ridden basement, it feels like I'm just taking a
Speaker 2: big sigh relief, and the Peloton's been good. But it's
Speaker 2: just like, I don't know, there's so little sick you
Speaker 2: don't really have. It's kind of sad that this is
Speaker 2: my safe space, like my me time space, but I
Speaker 2: need it. And he gets to go in the city.
Speaker 2: And I say he gets to go, but you know,
Speaker 2: he goes into the city a couple days a week.
Speaker 2: And I just I just I just fantasize about what
Speaker 2: he listens to you on the train. I'm like, what
Speaker 2: did you what did you think about for those forty
Speaker 2: minutes of uninterrupted silence? What did you listen to? And
Speaker 2: I get mad when he doesn't do anything, I'm like,
Speaker 2: what do you he and you had forty minutes to
Speaker 2: sit there and you didn't listen to anything or do anything. Anyway,
Speaker 2: he's he's being good about it, and he's actually excited
Speaker 2: because it, you know, fixing up the basement means he
Speaker 2: gets to use tools and stuff. So I hope, I
Speaker 2: hope it looks cute all sudden. I'll post a pick
Speaker 2: when it's done.
Speaker 1: No, I would love to see yeah, because as you know,
Speaker 1: Sugarman's he has his man cake. But for his fortieth
Speaker 1: one of the things I was supposed to do. I
Speaker 1: just have been dragging my feet. Is I'm deck you know,
Speaker 1: I'm getting it all decked out. Like he loves movies.
Speaker 1: So there's like two parts. One part we're going to
Speaker 1: make it to like a movie theater and the other
Speaker 1: part like a even though he doesn't drink, but kind
Speaker 1: of like a I guess, like a bar. I guess,
Speaker 1: like so they can play cards. Yeah, I mean he
Speaker 1: doesn't nothing.
Speaker 3: He doesn't drink at all, but he's not really like
Speaker 3: he's like, you know, the occasional beer with my friends
Speaker 3: come over guy.
Speaker 1: Yeah, but still like we would have, like I was
Speaker 1: gonna get a Neon signed because his nickname is Twin,
Speaker 1: you know, because black people are very literal because he's Twine.
Speaker 3: No, he's gonna nicknames.
Speaker 1: They're also not being Bobby because when they're little they
Speaker 1: had such not be these because my husband's really so
Speaker 1: name not being Bobby because they're like this one has
Speaker 1: not been these and you're his twins, so we're just
Speaker 1: gonna call you Bobby.
Speaker 3: Can you imagine?
Speaker 2: I mean, okay, whatever, I know.
Speaker 1: So yeah, So so yeah, I was gonna get a
Speaker 1: sign that at twins place, and like so Rihanna.
Speaker 2: Because everything is not just for him, it's for his
Speaker 2: his his twin too, Like that's what you were saying, Like.
Speaker 1: Yeah, kind of so that way that he doesn't feel
Speaker 1: even though right now they're like whatever, you know how
Speaker 1: it is, Well, I don't know, you don't have uh
Speaker 1: two kids yet, but boys sometimes are just like what
Speaker 1: do you mean, like a, you're not friends?
Speaker 3: Are your friends? Are you're not friends? Okay, you're not
Speaker 3: friends right now? Okay, but no.
Speaker 1: But I'm excited about Like I can understand the appeal
Speaker 1: because while he's been upstairs, you know, buzzing my phone
Speaker 1: for random food, I had been sneaking into the man
Speaker 1: cave getting my life like.
Speaker 3: It was cute down here.
Speaker 2: So you you get some space for yourself, my friend,
Speaker 2: make some them down there for you, even if it's
Speaker 2: like a little a little reading area. I'm really excited.
Speaker 2: I'm going to make it like a little reading corner
Speaker 2: and make it kind of sin. I have all these ideas.
Speaker 2: I've been on Pinterest all the time.
Speaker 3: I took half of it for my gym that I
Speaker 3: don't use.
Speaker 2: Well, then makes something you do use, yeah, like a
Speaker 2: little meditation room or I don't know whatever, Just yeah,
Speaker 2: you should have a space for yourself, go out.
Speaker 1: Of the whole house is for me. I'm not gonna
Speaker 1: have my own office. I have like we Yeah, He's
Speaker 1: always like everything here is for you.
Speaker 3: Make it is.
Speaker 2: That's different.
Speaker 1: Well I'm not so like joyful news Black Panther passed
Speaker 1: away chat.
Speaker 2: That was the segue. That was like the segue for
Speaker 2: the age, the twenty twenty segue.
Speaker 3: Just I don't even know what to say.
Speaker 2: It's no, I know the abrupt but the abruptness of
Speaker 2: it just like.
Speaker 3: Yeah, it's like I was.
Speaker 1: I remember it was like late was it was? It
Speaker 1: was it was late night and I saw my WhatsApp
Speaker 1: chat someone said Chad it. They wrote his name and
Speaker 1: like question mark, explamation, exclamation. I was like, wait, what
Speaker 1: what do those words mean? And I looked them like
Speaker 1: there's no way. So I googled it and.
Speaker 3: I was like what is what?
Speaker 2: Yeah, it was. I was talking to a really good
Speaker 2: friend of mine who I haven't talked to, and I
Speaker 2: mean in a good conversation like over a year. Shout
Speaker 2: out to Kevin who listens to the show. I'm helping
Speaker 2: him consolidates some credit card to Hey, that's what happened
Speaker 2: to me. Call me after a year. I'm like, so,
Speaker 2: let's talk about your personal finances. But in the middle
Speaker 2: of the conversation, he said, Chadwick and I feel like
Speaker 2: these days were you know, I'm kind of waiting for
Speaker 2: oh hey, Molly girl, I'm kind of waiting for tragic
Speaker 2: tragedy to strike. But it was it was the same
Speaker 2: feeling I got when I when I found out about
Speaker 2: Kobe and I just saw what I saw something on
Speaker 2: Twitter on Instagram somebody posted it was the same similar
Speaker 2: It was like Kobe question mark. And then I was
Speaker 2: like please, no, please, no, dear lord, no. Chadwick hit me.
Speaker 2: I mean I was, as you know, like everyone knows
Speaker 2: Kobe and my little brother love. I mean, he my
Speaker 2: poor brother. He really has been grieving for Kobe. He
Speaker 2: was always a fan of Lakers and Kobe he met
Speaker 2: when he was a kid, and all this stuff. Chadwick,
Speaker 2: for me, it hit me a little bit deeper, especially
Speaker 2: because Black Panther just I don't think, I mean, I
Speaker 2: did realize how meaningful it was to me when I
Speaker 2: left that theater. You know how the end of Black Panther,
Speaker 2: when he's he and his sister. Are they come back
Speaker 2: to I think it's California. Uh, And they see some
Speaker 2: kids playing like a basketball court or something like that,
Speaker 2: and he shows up. What do you call that? I'm
Speaker 2: just like not good at my his like space space machine,
Speaker 2: I don't know, his rocket ship. He shows up and
Speaker 2: the kids are in awe of this, you know, this
Speaker 2: black man and woman who are so powerful, and that
Speaker 2: feeling that you left the theater with that electrics. For me,
Speaker 2: it was it was so different. I left so motivated.
Speaker 2: I left so excited to raise a brown baby and
Speaker 2: for every black kid. And I just left so excited
Speaker 2: to have this black hero, this black af superhero movie
Speaker 2: unapologetically black out there and that. And it's not just
Speaker 2: that movie, but he he was. He was supposed to
Speaker 2: have so much more time. I feel like he was.
Speaker 2: He was like the next coming of Denzel Washington, like
Speaker 2: he was, you know, and it it it's it's really
Speaker 2: really tragic. And the fact that he was doing it
Speaker 2: in private, you know, fighting cancer in private, and so yeah,
Speaker 2: so it just fucking strong. He had to be so
Speaker 2: strong to.
Speaker 1: Do that, and people were I remember when all of
Speaker 1: a sudden I saw that he was losing a lot
Speaker 1: of weight, and I remember thinking maybe he's doing it
Speaker 1: for I just kind of kept in my.
Speaker 3: Mind like, wow, Tabook was looking really skinny. I said, oh,
Speaker 3: maybe for a role. And I left it.
Speaker 1: But I evenized that people were really he had to turn
Speaker 1: off his comments and delete pictures off his Instagram because
Speaker 1: people were really going in about his way.
Speaker 3: It just goes to show you never know, I.
Speaker 2: Didn't know that people were like like comment and oh
Speaker 2: my god, I hadn't really seen photos of him in
Speaker 2: a minute. That's you don't know what someone's private struggle is.
Speaker 2: And I mean, and I really you know, when I
Speaker 2: was trying to think of the message we could send
Speaker 2: to you know, through brown ambition, all they can say
Speaker 2: is you just it's just a reminder you don't know
Speaker 2: what someone's private struggle is. And you've and we've got
Speaker 2: to try to be empathetic. And you know, it's not
Speaker 2: about us knowing every detail about everyone in our circles lives,
Speaker 2: but it's about you know, reach out to those five
Speaker 2: people that you you know, we're close with, maybe you
Speaker 2: haven't talked to in a while, and you know, see
Speaker 2: if they need anything or they want to talk. I
Speaker 2: I don't know. It makes me want to. It makes
Speaker 2: me want to continue to just keep those lines of
Speaker 2: communication open with my loved ones and to be kind,
Speaker 2: be kind. The world needs more kindness, more kindness, Well
Speaker 2: rest and power. Chadwick Boseman. I know the tributes will
Speaker 2: continue pouring in. We want. My mom is in town,
Speaker 2: speaking of like silver happy happy news. My mom is
Speaker 2: in town. Her and her husband drove here from Saint Louis.
Speaker 2: How many hours was that like? Fourteen hours? Yeah? They
Speaker 2: and you know, because she didn't want to fly and
Speaker 2: all that stuff. But I'm so excited to have her here.
Speaker 2: But they arrived on Saturday, and the first thing we
Speaker 2: did that night was we sat down and watched forty two,
Speaker 2: which was Chadwicks one of his earlier films. I think
Speaker 2: it was twenty thirteen where he played Jesse or sorry
Speaker 2: Jessie Robert.
Speaker 3: Yeah. That was good.
Speaker 2: Yeah, it was good. I hadn't seen it, and I
Speaker 2: want to, you know, I never saw the James Brown. Yes,
Speaker 2: the James Brown movie, and then was good.
Speaker 1: And I'm not really a movie person. Me and Superman
Speaker 1: watched it and I was like, that was so good.
Speaker 3: It's really good.
Speaker 1: I mean, he he nailed it. You were just like, Wow,
Speaker 1: what a talent.
Speaker 2: I didn't know you could even sing. I saw some
Speaker 2: clips of him singing. I'm like, of course he could.
Speaker 3: It is just all the things.
Speaker 1: And then you know, Danzel like paid for him to
Speaker 1: like get acting classes.
Speaker 2: Yeah, I remember that story.
Speaker 1: If you guys haven't watched Google Chadwick Boseman, Uh, Denzel
Speaker 1: lifetime achievement speech, it's just like two and a half minutes,
Speaker 1: but it's just so powerful and beautiful, and it's you
Speaker 1: see that he's visibly slim, slimmer. It's after Black Panther
Speaker 1: and everything else and the tribute he gives Denzel. Really
Speaker 1: it's just so moving.
Speaker 3: And just the power of kindness and what it can
Speaker 3: how it can transform someone's life. So it's on YouTube. Yeah,
Speaker 3: it's just an amazing speech.
Speaker 2: It's beautiful. Our hearts go out to I mean my
Speaker 2: heart definitely goes out to his family, and it just
Speaker 2: makes you think again about losing Kobe this year and
Speaker 2: please just no more, no more.
Speaker 1: Uh.
Speaker 2: And I mean you also think about the people whose
Speaker 2: deaths have been you know, not covered quiet COVID one
Speaker 2: hundred and eighty thousand people that have died. It's you know,
Speaker 2: this year is this year. I mean, it will fund
Speaker 2: it. It was gonna change, it will change the country. Ye,
Speaker 2: it already has. But I don't I don't think we
Speaker 2: realize quite yet. How will never It'll never be the same.
Speaker 2: I hope not, you know, And I hope that there's
Speaker 2: a lot of good that comes out of the lessons
Speaker 2: we've learned, you know, in quarantine, through this pandemic. But
Speaker 2: it's kind of overwhelming to think of how dramatically things
Speaker 2: have changed. I'm so good my mommy is here because
Speaker 2: I can.
Speaker 1: Hug her no exactly, and that's really if anything that
Speaker 1: it has taught us is to hug and hold tight
Speaker 1: to your loved ones. I spent way more time on
Speaker 1: the phone and in person with my loved ones now,
Speaker 1: more than.
Speaker 3: Ever, just because you just realize that's what's most important.
Speaker 2: Yeah, one hundred percent. And I actually am hugging my mother.
Speaker 2: I had we had a moment where we were like, Okay,
Speaker 2: is there gonna be masks? Are we going to be
Speaker 2: no distance? And I think, you know, New York's rates
Speaker 2: are so low right now. I think we've had twenty
Speaker 2: straight days where the rate of COVID has been less
Speaker 2: than one percent, and anyway we've questioned, you know, we've
Speaker 2: all been really careful and everything like that. But I
Speaker 2: think I am dipping my toe back into some sense
Speaker 2: of normalcy. I I it feels good. You know, there's
Speaker 2: still that undercurrent of anxiety like is this okay? Like
Speaker 2: what's going to happen? But it just feels really good
Speaker 2: to have her here and to see her with Rio
Speaker 2: and and I'm not gonna lie. The free child care
Speaker 2: is it is not hurting I. Uh so, I'm really
Speaker 2: glad to have her this week. I love it. Well,
Speaker 2: let's we talk about today's show a little bit.
Speaker 3: Yeah, real quick it did you buy any Apple or Tesla?
Speaker 3: You know the stock split?
Speaker 2: We Yeah, my husband really wants to did you have
Speaker 2: you bought any yet? I did? I did get so much.
Speaker 2: I don't tell much how much.
Speaker 3: I made about seven hundred and fifty dollars today. God damn,
Speaker 3: I on that I bought. Because what happened is I
Speaker 3: was like going back and forth.
Speaker 1: I have this like what'sapp chat called wealth wealth what'sapp
Speaker 1: with like my friends who like like to invest and
Speaker 1: also to the Unicorn squad, you know, the people who
Speaker 1: work on my team. We have like an investment slack channel,
Speaker 1: So we were talking about it, getting prepared, and I decided,
Speaker 1: you know, I'm taking the leap. I bought fifty shares
Speaker 1: of Apple and ten shares of Tesla. Apple my fifty yeers,
Speaker 1: I mean, Apple didn't it didn't go up tremendously. Like
Speaker 1: I bought it for one hundred and twenty seven dollars
Speaker 1: and sixty seven cents and now it's at one twenty
Speaker 1: nine and thirty twenty three cents. But really it was Tesla,
Speaker 1: because you know Tesla's so expensive.
Speaker 2: It's Tesla.
Speaker 1: Yeah, yes, I bought it for four hundred and forty
Speaker 1: four dollars or really four hundred forty five dollars and
Speaker 1: it's up to five h nine.
Speaker 3: So Tesla went up twelve and a half percent today.
Speaker 2: So talk about the stock splits. So how are the shares,
Speaker 2: the more affordable shares treated differently than the more expensive shares.
Speaker 2: How does all that work?
Speaker 1: It's not really treated differently. What they're just trying to
Speaker 1: do is to allow people who can't afford the shares
Speaker 1: really to buy, so your shares are still worth the same.
Speaker 1: So what I mean obviously the market has reacted, so
Speaker 1: your shares are not worth the same, but technically they are.
Speaker 1: So let's just say a company has a stock and
Speaker 1: it's one thousand dollars, so these were four these the
Speaker 1: stock was split in four for both Apple and Tesla,
Speaker 1: so it's like, okay, the shares are worth a one
Speaker 1: thousand dollars divided by four.
Speaker 3: So one thousand divided by four is what fifty two fifty, right.
Speaker 1: So that means you now, instead of having one share
Speaker 1: that's worth a thousand, you've got four shares that are
Speaker 1: worth two hundred and fifty dollars a piece. So technically,
Speaker 1: net net, you're even. But because the stock market is
Speaker 1: not based upon facts, it's based upon emotions. Because people
Speaker 1: were like excited, you know, that this was happening.
Speaker 3: It it raised the cost of your one fourth now
Speaker 3: of this new share. So even though you're your.
Speaker 1: One share just a couple of days ago, even before
Speaker 1: the stock split, shares were like prices were growing up,
Speaker 1: you know, because people were like so excited about it.
Speaker 1: So you're one share that was worth two fifty now
Speaker 1: today you know it might be worth two sixty because
Speaker 1: of the excitement that people are having that, you know
Speaker 1: that the shares are more affordable. So stock splits really
Speaker 1: just mean that you have you have a stock that's
Speaker 1: worth the same amount, just in different denominations. How it's
Speaker 1: given to you to allow other people to enter into
Speaker 1: the market as it relates to that particular stock.
Speaker 3: So that's one of the reasons.
Speaker 1: Why I had not bought Apple and Testa like a
Speaker 1: silo pricey. So now you know I was able to
Speaker 1: afford more. I yeah, so I'm excited about it.
Speaker 2: I tell Enrinkue all the time. I'm like, Babe, we
Speaker 2: do have Apple and Tesla's stock. Look at our index funds.
Speaker 2: We got our total stock market index BOM, we got
Speaker 2: our s and P five hundred index fund. He's like,
Speaker 2: that's not the same. But do you remember, I think
Speaker 2: we've actually been recording long enough for us to have
Speaker 2: an episode. There's got to be one from twenty sixteen,
Speaker 2: when we were we were saving up for the wedding.
Speaker 2: We were living with Enrique's parents and he had the
Speaker 2: and I was helping him pay his credit card off,
Speaker 2: you know, credit card debt off that he had on
Speaker 2: his own, you know, as we were just dating back then,
Speaker 2: so he had his own little whatever credit debt, and
Speaker 2: he took a thousand dollars out of the money we
Speaker 2: were setting aside for the wedding. And he at the
Speaker 2: time you had to like pay a thousand dollars to
Speaker 2: reserve or your spot in line for a Tesla, like
Speaker 2: just for the just for like a spot to buy
Speaker 2: one a year from then, he gave a thousand dollars
Speaker 2: of our money away, and I blew up at him.
Speaker 2: I basically made him get it back, and he has
Speaker 2: never let me forget it because he's like, imagine what
Speaker 2: that would be if I And I was like, you know,
Speaker 2: imagine I could have had a Tesla. And I was like, babe,
Speaker 2: you know what, really, you know is sad about this.
Speaker 2: Imagine if you've taken a thousand dollars and bought Tesla stock.
Speaker 2: He had had one hundred titles by now, if he
Speaker 2: would have took it what it was trading for then,
Speaker 2: I don't think it was public at the time, but
Speaker 2: it went public. My husband's been a little late to
Speaker 2: the whole like stock investing game. I don't I don't,
Speaker 2: you know. I thought you might be more into it,
Speaker 2: but yeah, looking and I've always been like an index
Speaker 2: fun girl. So I was never entertaining conversations about buying stock.
Speaker 2: But yeah, I'm kind of like, boo, if you loved
Speaker 2: him so much, why don't you just buy stock?
Speaker 3: Yeah?
Speaker 1: And you know, it's so crazy because my sister, Carol,
Speaker 1: the engineer, she she told me about Tesla. I think
Speaker 1: she bought Tesla when it was thirty dollars a share
Speaker 1: something crazy. Oh wow, remember she got fifteen. She was
Speaker 1: trying to convince all of us, and I was like, man,
Speaker 1: I don't know what she's talking about. I never electric car.
Speaker 2: Oh girl, that's.
Speaker 3: So crazy talk.
Speaker 1: She invested fifteen hundred dollars and got back like thirty
Speaker 1: thousand or whatever.
Speaker 3: She used to pay for her wedding. Can you imagine?
Speaker 3: Oh wow, I remember, so imagine she still would have
Speaker 3: had it.
Speaker 2: Now what wait, she used it already.
Speaker 3: Yeah.
Speaker 1: I know. That's the thing because what she did, she
Speaker 1: she was purposely investing for the wedding. She's like, Okay,
Speaker 1: I want to pay for my wedding and I don't
Speaker 1: want to come out of pocket like as far as
Speaker 1: like you know, in the traditional sense.
Speaker 3: And so that's what it was for she.
Speaker 1: And herr her future husband at that time, they both
Speaker 1: invested fifteen hundred. I think they either invested fifteen hundred
Speaker 1: collectively or peace and it was a it was you know,
Speaker 1: it was struggle because they were young, super young, in
Speaker 1: her twenties, but they did it, and sure enough, by
Speaker 1: the time they went to pull it out to pay
Speaker 1: for the wedding, it was worth over thirty thousand dollars.
Speaker 1: Her fifteen hundred dollars investment imagined down many.
Speaker 2: How did they sleep knowing all their wedding fund was
Speaker 2: tied up in this one stock?
Speaker 1: I know, well, she had other stocks and things that
Speaker 1: she because she's always invested, like she's the one.
Speaker 3: I was like, I should have really listened. She told
Speaker 3: me to buy Shopify, and I did. Mandy. I bought Shopify.
Speaker 3: I bought three measly stingy.
Speaker 1: Shares because I was like, what ever? And I bought
Speaker 1: it for one hundred and forty three dollars. Do you
Speaker 1: know how much one share is now? I don't know,
Speaker 1: but we just signed up with them, and I'm wondering.
Speaker 3: A thousand, sixty six dollars. I bought it for one
Speaker 3: hundred and forty three. I bought three shares. Mandy, I
Speaker 3: have made.
Speaker 1: Imagine if I would have bought, like my total return
Speaker 1: already has been twenty seven hundred dollars. And that's if
Speaker 1: I just would have bought ten shares of Shopify. Can
Speaker 1: you imagine from one hundred and fifty dollars to over
Speaker 1: one thousand dollars is way each year and I have
Speaker 1: only three measlely shared. I'm telling you all of my
Speaker 1: stocks that are doing really well. I just asked her.
Speaker 1: I'm like, she's in my wealth too. I'm like, so
Speaker 1: yesterday i'd asked, I said, hey, stocks blitting tomorrow, would
Speaker 1: you invest in Apple and Tesla? She was like, yes, Apple,
Speaker 1: for sure. I don't know about Tesla. It's still is
Speaker 1: a little like I don't know.
Speaker 2: I don't know abouty Law.
Speaker 1: I know.
Speaker 3: So she was like, I would. So that's why I
Speaker 3: was like, I got the ten shares of Tesla.
Speaker 1: I was like, you know what, but Apple, I went
Speaker 1: a little bit hard for I got fifty shares of Apple.
Speaker 3: So said, I'm gonna ride this wave.
Speaker 1: So I mean all in all over the I've been
Speaker 1: I used Robinhood, so all in all over, like my
Speaker 1: if I were to look at my of all time,
Speaker 1: I started investing August fifth, twenty sixteen.
Speaker 3: So like, what just just about five years ago?
Speaker 1: Right? All in all my return it's fifty seven percent,
Speaker 1: So I'm doing really good.
Speaker 2: Wow, that's awesome. Yeah, so it sounds like your sister's
Speaker 2: the investor needs. I was gonna say, literally, I'm just like,
Speaker 2: what's it that I buy?
Speaker 1: When Docusigne came out, I remember when it was like ipoing,
Speaker 1: you know, she was like, uh, DocuSign is an IPO.
Speaker 1: I suggest everybody get ready. So I bought docu sign
Speaker 1: and Docusigne also too, is doing very well. So I'm
Speaker 1: not gonna lie. I wouldn't call myself an investor. I'm
Speaker 1: just someone who says, so, Carol, Hey, how you doing?
Speaker 1: How the kids?
Speaker 3: What should I buy?
Speaker 1: Well?
Speaker 2: This is the exciting thing if you guys are listening.
Speaker 2: I think again, the emotion I think a lot of
Speaker 2: people feel, and this is what my husband's been feeling,
Speaker 2: is that fomo like, ah, should I missed a good deal?
Speaker 2: I did read an article recently about what it wasn't
Speaker 2: the article I think I was. I guess like the
Speaker 2: Robin Hood's next newsletter that I read, and which is
Speaker 2: a good newsletter? You know, quick and easy read if
Speaker 2: you if you want to looking for a new newsletter.
Speaker 2: I also like the Minority Mindset newsletter. But anyway, they
Speaker 2: were talking about how it's kind of IPO season is
Speaker 2: upon us, and that means a lot of companies are
Speaker 2: about to go public and you should keep your eyes
Speaker 2: peeled because you know, I pos if you picked the
Speaker 2: right one, like Tiffany said, uh, you know you can.
Speaker 2: It's kind of like striking gold. But the other the
Speaker 2: other emotion, my overriding emotion is always like, oh shit,
Speaker 2: this is scary. But I wanted to ask you, tiff
Speaker 2: like with your with buying Apple and and Tesla, do
Speaker 2: you see those as long term investments? Like and did
Speaker 2: you put more money in? Did you put additional funds
Speaker 2: into your portfolio to buy them? Or did you exchange
Speaker 2: existing stocks to buy the new one.
Speaker 3: I've never sold any stocks, so I always think of
Speaker 3: it as long term.
Speaker 1: So I what I did was I had been setting
Speaker 1: aside because the way it works in rob so I
Speaker 1: learned the hardway the first time I wanted to buy
Speaker 1: something that you have to have the money clear and
Speaker 1: sitting basically in Robber.
Speaker 2: Yeah, it's transfer time.
Speaker 1: You're like you know, I learned the hardway to get
Speaker 1: the money in your account exactly is I've been transferring
Speaker 1: like a few hundred here, a few hundred here, just waiting.
Speaker 1: So by the time this came up, I had a
Speaker 1: few thousand over the last few months sitting for me
Speaker 1: setting aside, because you know, what I'll do is like
Speaker 1: I set aside for emergency savings, but that's fully stopped.
Speaker 3: I put a side of money for our retirement.
Speaker 1: So these are things that you know, builds, things like that,
Speaker 1: and then I'm like, oh, I've got an extra hundred
Speaker 1: and fifty dollars, you know what, let me put it here.
Speaker 1: So one of the thing is like with my older
Speaker 1: sister Karen, she has made tens of thousands since COVID,
Speaker 1: and she and her husband have a ruled if they
Speaker 1: can't buy I think it says they can't buy seventy shares,
Speaker 1: they don't buy. So, because you know, if you buy
Speaker 1: a significant amount, like for example, if I would have
Speaker 1: buy seventy shares of Shopify girl, I would have had
Speaker 1: over one hundred thousand dollars in earnings and well in growth, right,
Speaker 1: And so that's what I this time around when my
Speaker 1: sister Carol told me that that's what Karen and her
Speaker 1: husband were doing. I said, you know what, Tiffany, if
Speaker 1: you're gonna buy, buy like you, you know you've been
Speaker 1: setting aside, setting aside.
Speaker 3: That's what this is for.
Speaker 1: So, like I said, I bought fifty shares of Apple
Speaker 1: and I bought ten shares of Tesla because Tesla was
Speaker 1: still expensive and with the stack split it was like
Speaker 1: four hundred or something dollars, so it wasn't it wasn't
Speaker 1: a cheap thing. But yeah, so for me, I'm not
Speaker 1: looking to buy sale buy, so I'm definitely not a trader.
Speaker 1: I just really want to buy and hold on to it,
Speaker 1: buy and hold on and help the supplement later.
Speaker 3: Next thing I want to.
Speaker 1: Start to do start to buy stocks that give dividends
Speaker 1: like the McDonald's, you know, or you could buy ETF
Speaker 1: that yield dividends. But I want to start to buy
Speaker 1: stocks like that and then reinvest the dividends and see
Speaker 1: because for.
Speaker 2: Mex funds paid dividends, I'm a fan of yeah, all
Speaker 2: the because I love to watch. Now. I set up
Speaker 2: text alerts, even though I said I wasn't gonna I
Speaker 2: get like a weekly alert about the portfolio. And yeah,
Speaker 2: the dividend index funds that I have are beautiful. I'm like,
Speaker 2: they just give me hundreds of dollars and I'm just like,
Speaker 2: and it automatically reinvests it, which is nice through Vanguard,
Speaker 2: But where we tell people, hey, we're not investment advisors.
Speaker 3: Yeah, not at all. We're just talking about our experience.
Speaker 2: We are talking about our experience. And you know what,
Speaker 2: this is the kind of I'm excited that we're talking
Speaker 2: more about investing and and I and it's it's also
Speaker 2: you know where we're at. I think TIF and I
Speaker 2: we started the show and certainly in way different places
Speaker 2: than we are now in our lives. And this is
Speaker 2: what it's about. Let's let's talk about building wealth and
Speaker 2: growing wealth. I am. I am convinced that no one
Speaker 2: wants us to know this because if if we don't
Speaker 2: know how to how to build wealth in the market,
Speaker 2: then who's going to work for the companies, who's going
Speaker 2: to you know, who's going to be in the service industry,
Speaker 2: who's gonna work who's gonna be working in retail, who's
Speaker 2: going to be holding up these major corporations while other
Speaker 2: people get rich. It's us people who look like us.
Speaker 2: And I know that maybe that's the most obvious statement
Speaker 2: ever said ever, but it is something that I cannot
Speaker 2: get out of my head. They don't want us to
Speaker 2: know this, and it is an act of you know, Tiff,
Speaker 2: and I think there's sometimes we've covered you know, a
Speaker 2: sad you know, the latest uh, you know, the latest
Speaker 2: person to be shot by police. You know, debts and
Speaker 2: and you know, even talked about recently how homes are
Speaker 2: literally undervalue by appraisers if you're black, you know, owning
Speaker 2: the house.
Speaker 3: And I got an update for you on that too,
Speaker 3: but go ahead, okay.
Speaker 2: And we kind of have these moments where we're like, oh,
Speaker 2: what can we do now? What do we sell? What
Speaker 2: do we tell the listeners? And part of me is
Speaker 2: like the revolution is to play their game and play
Speaker 2: it for yourself and and and knowledge is the power,
Speaker 2: Like we don't have to we should all. And it's
Speaker 2: not even about like you can have like be the
Speaker 2: next door millionaire. You know, you can be that nextra millionaire.
Speaker 2: Like I imagine if anyone had leaned into my father or
Speaker 2: my aunt or you know, my cousins in Atlanta whose
Speaker 2: lives are extremely different than my mom's side of the family.
Speaker 2: And I can't you know, for and I can think
Speaker 2: of a few reasons why that is. And it's all
Speaker 2: because of you know, or not all, but largely because
Speaker 2: of the you know, the systemic, the systemic toll of
Speaker 2: racism in this country and how it taxes your you know,
Speaker 2: earnings and your your opportunity and all that. But I'm like,
Speaker 2: if anyone had just told them, you know, ten twenty
Speaker 2: years ago, hey, one hundred bucks into an index fund,
Speaker 2: or hey, you know, save ten bucks from your paycheck
Speaker 2: and invest it, like it's the knowledge that is the
Speaker 2: key to financial freedom. And you know, I think with
Speaker 2: Brown Ambition Tip, I feel like it's almost our responsibility
Speaker 2: now to talk more about this because it's you know,
Speaker 2: and I'm excited to be talking more about it, and
Speaker 2: you guys send us your questions. Brown Ambition Podcast at
Speaker 2: gmail dot com. Again, we're not stocking, we're not investment advisors.
Speaker 2: This is all. We're just showing you our opinion what
Speaker 2: has worked for us. The point is that we're talking
Speaker 2: about it. It shouldn't be a scary subject, and we hope,
Speaker 2: you know, by talking about it, that it will encourage
Speaker 2: you to be a little bit more curious and to
Speaker 2: learn a little bit more. And I'm glad that we're
Speaker 2: we're doing it.
Speaker 3: Yes, So I just wanted to give you an update
Speaker 3: about the home.
Speaker 1: So remember we talked about that woman Abina whose home
Speaker 1: was undervalued by like one hundred and sixty thousand dollars. Yes, So,
Speaker 1: you know, the New York Times did this whole article
Speaker 1: I saw on mm HM. So I was interviewed for
Speaker 1: that article too, but they just had so many story
Speaker 1: so they, you know, they didn't share my story. But
Speaker 1: what I didn't know is so the reporter who wrote
Speaker 1: the article, she was tweeting. I guess people were kind
Speaker 1: of asking her, like, you know, what, how did she
Speaker 1: do the research for the article?
Speaker 3: She'd been doing She'd been working on an article for
Speaker 3: like a month. I mean, she.
Speaker 1: Interviewed my realtor, I gave her a copy of my appraisal,
Speaker 1: all these things. I mean, she and she interviewed a
Speaker 1: couple of other people that I shared with her. So
Speaker 1: she wrote me or just posted on Twitter. She said
Speaker 1: all the stories didn't make it in. For example, Tiffany
Speaker 1: the Budganista, when we looked at her appraisal, I did
Speaker 1: not know this. I was like what she said, when
Speaker 1: they looked at my appraisal, that the appraiser she had,
Speaker 1: she had an independent appraiser look at the appraisals, you know,
Speaker 1: who didn't know me, who didn't know anything. And so
Speaker 1: the appraisal praiser that came to my house, they put
Speaker 1: me under a category that's called C three, which is
Speaker 1: a house with normal wear and tear versus C two,
Speaker 1: which is what you would put a house that has
Speaker 1: been gutted and renovated. My house wasn't even a year
Speaker 1: old when he came to appraise the house. It has
Speaker 1: been renovated. I mean, we have HVAC, new plumbing, new electric,
Speaker 1: new for literally everything. And this house is new, brand
Speaker 1: new house. And so for them to categorize us as
Speaker 1: a wear and tear regular house is very intentional and telling.
Speaker 1: And then on top of that, she said that the
Speaker 1: comps that they compared me to were not renovated homes.
Speaker 1: So how are you comparing my house to an old
Speaker 1: house that has not been renovated, and then also categorizing
Speaker 1: my house as a regular wear and tear house. That's
Speaker 1: why my appraisal came back thirty thousand dollars. That's how
Speaker 1: they justified saying my house was thirty to forty thousand
Speaker 1: dollars less.
Speaker 3: I didn't even know that. When she tweeted that, I
Speaker 3: was like, wait what. I didn't know why. I didn't
Speaker 3: know specifically in because I didn't know what to look for.
Speaker 1: So you know, that just was like a gut punch,
Speaker 1: and I'm just like, I honestly don't know what you're
Speaker 1: supposed to do. Actually, like I was in contact with
Speaker 1: a being, I'm going to like reach back out to
Speaker 1: her so we can do a Facebook Love Instagram live.
Speaker 3: It was so busy at that time because they.
Speaker 1: Didn't want to Abin is the woman whose house was
Speaker 1: the New York time. We had been instagramming and she's,
Speaker 1: oh my god, I love what shed dow Tiffany, and
Speaker 1: so we were supposed to do an ig live a
Speaker 1: few weeks ago. It just got to be too busy
Speaker 1: for me. But I want to do one because I
Speaker 1: want her to not only share her story, but to
Speaker 1: share what is it that she did? Like what can
Speaker 1: you do when that happens? Because you know, it's one
Speaker 1: thing to be angry. So, as y'all know, I decided
Speaker 1: not to not to refinance my house and do her
Speaker 1: cash out. But it's one thing to be angry, it's
Speaker 1: another thing to be like, so what do I do
Speaker 1: when that happens?
Speaker 3: You know, what do I do?
Speaker 2: In her case? I mean, she she swapped out all
Speaker 2: the photos and she left with her son right and
Speaker 2: her white husband was there with and I mean, Tiff,
Speaker 2: you got the appraisal. So that was a bank that
Speaker 2: you're the bank that you were going to refinance. I
Speaker 2: know you didn't end up doing it, but they sent
Speaker 2: the appraiser out there.
Speaker 1: Yeah, the banks send here. But you can't just get like, say, hey,
Speaker 1: this is my appraisal. Guy, take his word for it,
Speaker 1: because the bank is basically like, this is my investment.
Speaker 1: I want my person to come or whoever it is,
Speaker 1: to do an appraisal of the house, you know, because
Speaker 1: they don't want obviously they don't want it to be
Speaker 1: inflated either. But so you can always go back to
Speaker 1: the bank and say, hey, I don't think this is fair.
Speaker 1: But here's the thing. I don't I never heard of
Speaker 1: C two, C three. I didn't, you know what I mean, Like,
Speaker 1: I didn't. I didn't know the ways that people could
Speaker 1: appraise your house for less. It's just so disheartening, you know,
Speaker 1: that's not It's the reason why I didn't be financed.
Speaker 1: I was like, you know what, forget this, I'm not
Speaker 1: doing it. You know, I'll just keep the money in
Speaker 1: the house and have no mortgage like we've been having.
Speaker 1: It was really disheartened because I was like, what, like, yo,
Speaker 1: I bought this house for one eighty. I put one
Speaker 1: eighty into it. How are you telling me it's worth
Speaker 1: you know, three ninety. That's no, it's not. It was
Speaker 1: worth three something when we before we renovated it, Like
Speaker 1: it was that was you know what I mean, Like,
Speaker 1: that's what it was worth. That's what it was. Like
Speaker 1: the market said it was worth it. I'm like, and
Speaker 1: especially during times like now.
Speaker 3: So it was just really.
Speaker 1: Yeah, disheartening to be like you would come to my
Speaker 1: house talk about how nice it was. But I could
Speaker 1: tell that there was a sense of like, you guys
Speaker 1: live here. It's just like I said, it's just really frustrated.
Speaker 1: But I just wanted to give you guys that update
Speaker 1: because a bunch of you taged me in the article
Speaker 1: Liketivity was talking about it. So hopefully I also do
Speaker 1: like I said, alive with Abina. It's just been so crazy.
Speaker 1: I wish I had done it earlier, but whatever, maybe
Speaker 1: now is a good time, now that the Times article
Speaker 1: has come out, and so people can just hear from
Speaker 1: someone that has happened to and you know what she
Speaker 1: did and what she did to basically get that, you know,
Speaker 1: get a reversal of that unfair racist appraisal.
Speaker 2: So I'm one hundred percent listening with open ears. Or
Speaker 2: we bought our home and I always call it this
Speaker 2: little hidden gem, but I understand a lot of people
Speaker 2: would't consider my neighborhood hiden gem in the suburbs because
Speaker 2: typically you think about the suburbs outside of New York
Speaker 2: and you think of wealthy white people. Our neighborhood it
Speaker 2: is this. I consider it a hit and gym because
Speaker 2: it is a lot of black, working class families. This
Speaker 2: neighborhood was founded right after World War Two, and you
Speaker 2: feel like this is like this little oasis where black
Speaker 2: people were able to afford a home and start a
Speaker 2: life and have families. And it feels like the you know,
Speaker 2: the type of neighborhood that you don't see too often.
Speaker 2: And at the same time, we found a fixer up
Speaker 2: here had a really good deal. And I worry that
Speaker 2: the neighborhood that we're in, we're in we're in one
Speaker 2: of the top rated school districts, you know, within all
Speaker 2: the amenities and all that thing, but when you look
Speaker 2: on Zillo, the homes in this neighborhood are routinely like
Speaker 2: way less than what you see even just like a
Speaker 2: block or two away in different neighborhoods. And I'm in
Speaker 2: a mom's Facebook group on Facebook, a mom's of my
Speaker 2: you know, my county and on Facebook, and there was
Speaker 2: someone kind of talking about looking for a home at
Speaker 2: an affordable price and she can't find any. And I
Speaker 2: was like, well, look out our neighborhood. And as I
Speaker 2: was saying, and I'm like, wait, why are the homes
Speaker 2: here so much more affordable? I know there's a lot
Speaker 2: of fixer uppers, but yeah, so I'm thinking about that,
Speaker 2: and I am sure as hell will be thinking about
Speaker 2: it if we ever decide to sell or get an
Speaker 2: appraisal in the future, because this, you know, we we
Speaker 2: have to stand up and ask for more. And I
Speaker 2: almost want to get local officials involved too, you know,
Speaker 2: there's got to be you know, whatever you know, organization
Speaker 2: maybe regulates appraisals or you know, the town councilmen who
Speaker 2: who should be you know, concerned about you know, citizens
Speaker 2: and our property values and all that. Like, I feel
Speaker 2: like there's a conversation to be had, and I'm glad
Speaker 2: that through all this mess, people are open to hearing it,
Speaker 2: because I think what's fundamentally changed is the conversation where
Speaker 2: people are willing to under willing to understand and accept
Speaker 2: that someone can be discriminated against on the basis of
Speaker 2: their skin, you know, for the value of their home.
Speaker 2: Because it's so hard to prove sometimes and people don't
Speaker 2: want to hear it. And I'm so glad people willing
Speaker 2: to listen and hear that now.
Speaker 1: So yes, And I'm glad the Times did a thing
Speaker 1: on it, because you know, people respect the New York Times.
Speaker 2: They do it matters when they write about it, it really
Speaker 2: like legitimizes it for sure. Well, I'm sorry they didn't
Speaker 2: put you in the article, but that I'm glad that
Speaker 2: that reporter you know, shared that with you, because even
Speaker 2: if you didn't need it, at least it still validates
Speaker 2: that feeling of it.
Speaker 1: You know, I'm not gonna lie I remember we talked
Speaker 1: about it and you were like, oh, it's sure, and
Speaker 1: I'm not gonna lie. They was like, ah am I bugging?
Speaker 1: Well maybe it's bugging girl. I know you love your house,
Speaker 1: but maybe it's not that serious. And when she was like,
Speaker 1: uh no, he is someone he's not even at your
Speaker 1: house and he's reading this like mmmm, it's clear they're
Speaker 1: saying all these things are new, new, new, new new.
Speaker 3: Why did they put you in this category?
Speaker 1: And the houses that they have comps, none of those
Speaker 1: are renovated, those are not comparables. It's not comparable to
Speaker 1: your home. And I was just like, wow, this is
Speaker 1: someone who you know. Yeah, I just thought like I
Speaker 1: was just it just made me feel because I hate
Speaker 1: sometimes feeling like oh are you the black person that's
Speaker 1: always sack kind of black things? And it's like, yeah,
Speaker 1: it would be so nice not to have to talk
Speaker 1: about it. Sorry that it is bugging you. I have
Speaker 1: to live it, you know. And so it's like it
Speaker 1: just gave me a validation that I wasn't bugging because
Speaker 1: that's what I felt it and I and I knew it,
Speaker 1: but I didn't know it know it, and to know
Speaker 1: it officially just makes me feel so much better, like
Speaker 1: I'm not bugging, and also too now to know what
Speaker 1: to look for should we ever sell this house, and
Speaker 1: to make sure, like you know, yeah, just to make
Speaker 1: sure that doesn't happen again by by educating myself on
Speaker 1: the process and what we should be looking for, because
Speaker 1: I would love to be able to look at one
Speaker 1: of these appraisals and be like, why don't Why do
Speaker 1: you have C three here instead of C two? Why
Speaker 1: do you have this here instead of that? You know
Speaker 1: these are It's the language that you know. Once you
Speaker 1: learn those things, you know you can when you know different,
Speaker 1: you can do different.
Speaker 2: And they don't want us to know. It's like I
Speaker 2: was saying, they don't. It behooves them for us to
Speaker 2: not understand. That's why this should is so opaque and
Speaker 2: hard to sort through any big financial like around your house,
Speaker 2: like any big any having to do with your home
Speaker 2: is so complex. I mean, we just closed on our refinance.
Speaker 2: In the stack of papers we had to go through,
Speaker 2: and I felt so and I still feel this intense
Speaker 2: pressure to read every single word, and I spent like
Speaker 2: I had several at least half an hour conversations with
Speaker 2: our loan officer. Over those six weeks, six to eight weeks,
Speaker 2: it took and even me like being in this, being
Speaker 2: this industry, you know, managing a team whose job it
Speaker 2: is to write about mortgages and how to get them
Speaker 2: and all that, like, I still had tons of questions.
Speaker 2: And you know, it's that it's that extra friction and
Speaker 2: work upfront that they know a lot of people, you know,
Speaker 2: won't feel like they are confident enough to take on.
Speaker 2: But we're here to tell you that it's possible, and
Speaker 2: you know, reach out to anyone who can help you
Speaker 2: or share some knowledge or it's it's it's so it's
Speaker 2: so important. Let me just keep repeating myself. Listen, we're
Speaker 2: forty minutes into this show. Tip, what are we doing?
Speaker 2: I really do we have time? Can we talk? Can
Speaker 2: we take leaders questions?
Speaker 3: Yes, let's see that.
Speaker 2: We have a very special segment for today's questions because
Speaker 2: well it's about starting a podcast. You know, we know
Speaker 2: a thing or two about that. So we are taking
Speaker 2: all y'all's questions on how to start your very own podcast,
Speaker 2: and we will be right back after this break. Okay, y'all,
Speaker 2: we are back. So as you guys know or maybe
Speaker 2: you don't know Tiffany and I Brown Ambition Podcast. We're
Speaker 2: not actually, you know, we're not owned by a network.
Speaker 2: We are independent. My little brother said, I'm the Chance
Speaker 2: the Wrapper of podcasters. I was like a thing, Thank
Speaker 2: you very much, my friend, because you know, Chance the
Speaker 2: Rapper didn't have a label. He was like, he was
Speaker 2: one of the first artists to make a name for
Speaker 2: himself without a label. I think he just published his
Speaker 2: music when on SoundCloud or something, and when he was
Speaker 2: ready to get a label, you know, everyone was coming
Speaker 2: to him and he didn't need him because they were
Speaker 2: he was independent, owned his own shit. We are Yeah.
Speaker 2: So you know there's Chance the Rapper and there's Brown
Speaker 2: Ambition obviously, but yeah, we're independent. We started this show
Speaker 2: five years ago because we just wanted to and I
Speaker 2: just figured it out and we've been figuring it out
Speaker 2: ever since. And I would say we've been successful. If
Speaker 2: how do you feel?
Speaker 1: Yeah, No, I think I mean, first of all, we've
Speaker 1: been consistent in it. We have an amazed what do
Speaker 1: you say.
Speaker 2: We're doing the damn thing I think we do.
Speaker 3: Yeah, we do a pretty amazing audience.
Speaker 1: We Yeah, I just I'm really proud of us because
Speaker 1: it was just literally I remember you being like, we.
Speaker 3: Should do a podcast.
Speaker 2: I was like, yeah, I want to, and y'all who
Speaker 2: told me I can't, So I'm going to do it anyway.
Speaker 2: That's what I.
Speaker 3: Said, because that is so Mandy Well.
Speaker 2: The well, what really has gotten us to talk about
Speaker 2: this is I don't know if you guys I shared
Speaker 2: on my insta last week, but Joe Budden he had
Speaker 2: posted he on his own damn podcast hosted and owned
Speaker 2: by or not owned by partner with Spotify. He's been
Speaker 2: with Spotify guests for his podcast for a few years now,
Speaker 2: a couple of years now, and he was one of
Speaker 2: the first podcasts that Spartify Spartify My God Spotify partnered
Speaker 2: with and he basically made their podcast business. I mean
Speaker 2: they acquired according to his story, you know, millions of
Speaker 2: listeners to their platform through his show and you have
Speaker 2: to go check out his latest episode if you want
Speaker 2: the whole background. But he used his platform to talk
Speaker 2: about why he wasn't renewing his deal with Spotify, and
Speaker 2: he revealed, like you know, some interesting insights about the
Speaker 2: business of podcasting, like the business of podcasting can be
Speaker 2: a little opaque because it's sort of like it's been
Speaker 2: around for a long time, but the business side of it,
Speaker 2: like the money making machine of it, that industry it
Speaker 2: is really you know, I would say, in the last
Speaker 2: like five, you know years or so, it's along with
Speaker 2: our show, they're they're figuring it out, like people are
Speaker 2: figuring out how to make money and for shows like
Speaker 2: Oh or as you were independent you know there, it's
Speaker 2: it's an exciting time to be in the podcast world.
Speaker 2: And I had asked you guys when I was kind
Speaker 2: of commenting on the Joe Button story, what do you like,
Speaker 2: what questions do y'all have about podcasting? Because, like I said, Tiffany,
Speaker 2: I've been doing this ourselves for you know, five years now,
Speaker 2: and I was quite surprised by the number of questions
Speaker 2: we got. So I kind of wanted to dedicate this
Speaker 2: questions segment to you guys this podcast podcast. Okay, well,
Speaker 2: let's dive on in, and you guys can still send
Speaker 2: us questions. I sometimes will respond to them even if
Speaker 2: we don't cover them on the show. Brian Abisson Podcast
Speaker 2: on the gram. You can find us there where you
Speaker 2: can email us directly. Brand Ambisson Podcasts at gmail dot com.
Speaker 2: All right, let's see please did okay? So here I'm
Speaker 2: gonna I'm gonna use Insta handles. I hope y'all don't mind.
Speaker 2: All right. So Insta user Aqim says, how do you
Speaker 2: get your podcast on iTunes in the first place? All right?
Speaker 2: So I do the techy stuff, so I'll answer that one.
Speaker 3: I don't know.
Speaker 2: Are you curious how we got our podcast on iTunes?
Speaker 2: It was very stressful for me because I was trying
Speaker 2: to figure it out, you know, way back when basically,
Speaker 2: and I'm going to include some show notes for you
Speaker 2: guys with some resources. I'm putting together a little Google
Speaker 2: doc of resources. But iTunes and Spotify, you know, this
Speaker 2: wasn't around when we were first starting. But now you
Speaker 2: have Spotify, you have Stitcher, you have Google Podcasts. They
Speaker 2: all have a podcasters platform. And there's a link I
Speaker 2: can put for the Apple one. And the first thing
Speaker 2: before you even submit your show to iTunes is you
Speaker 2: need to one create a show, and then two you
Speaker 2: need to find a host for your show. And the
Speaker 2: host that I chose five years ago, we're on a
Speaker 2: different host now, but back then and this host is
Speaker 2: still around. They're still great, very popular, They're called Lisbon
Speaker 2: L s b y N And I think, I think,
Speaker 2: what if we pay like five or fifteen dollars a
Speaker 2: month to host our show on Libsyn and what that
Speaker 2: did for me? So Libson would distribute the podcast. I
Speaker 2: would upload the audio and I would click publish or
Speaker 2: whatever magical button it was, and they would send it
Speaker 2: on to the podcast echo sphere or whatever and it
Speaker 2: would end up on iTunes and SoundCloud, et cetera. How
Speaker 2: I did that was once you have a host, you
Speaker 2: get an RSS feed. Remember RSS feeds like Google Reader.
Speaker 1: Oh I remember having on my first little blog, my
Speaker 1: blog or blog.
Speaker 2: Yeah, blogger. They still do that for podcasting. So you
Speaker 2: get your own RSS feed and it's just a URL
Speaker 2: and you copy paste it into iTunes. And at the time,
Speaker 2: I don't know if they still do this. At the time,
Speaker 2: I had to wait to see if I was going
Speaker 2: to get approved. And I remember what was funny is
Speaker 2: like I don't know if you remember this, Tiffany, but
Speaker 2: we had decided we were going to launch September fifteenth.
Speaker 2: It was like a Tuesday, and I didn't realize I
Speaker 2: had to wait to get the show approved. So when
Speaker 2: we like put out the event bright like, we started
Speaker 2: promoting it. It's gonna be here, it's knew. Our first
Speaker 2: episode was dropping September fifteenth. And then I remember being
Speaker 2: on my couch and my my stomach falling out, being like,
Speaker 2: oh what it was maybe a week or two before
Speaker 2: that date, and that the Apple had not gotten back
Speaker 2: to me, you know, saying our show had been approved
Speaker 2: the day before that day, you know, the day before
Speaker 2: we had advertised they approved it, and I was sweating bullets. Meanwhile,
Speaker 2: like what we had like five listeners, but I was
Speaker 2: sweating bullets. But yeah, that's the in a nutshell, how
Speaker 2: to get your show on iTunes. Go find a host first,
Speaker 2: and then create an RSS feed and submit it not
Speaker 2: just to iTunes but Spotify and Stitcher and all the
Speaker 2: you know big platforms today.
Speaker 3: See that was a good one. Now I learned something.
Speaker 2: Uh, Instagram user Katie says, how much of your conversation
Speaker 2: gets edited out of a podcast? Like none?
Speaker 3: Want let me say something which is rare, right, very rare.
Speaker 2: I will say, you know now that we have an
Speaker 2: editor CALLI is editing our show. Now I don't. I
Speaker 2: don't micromanage that at all. You know, sometimes I think
Speaker 2: maybe one time I asked them to take something out
Speaker 2: of the show, and I can't remember what it was.
Speaker 2: It was something that was inaccurate and just I knew
Speaker 2: the show could do without it Prior to that. I'm
Speaker 2: not gonna lie, you know I was. I don't. I
Speaker 2: don't even know how, like how picky Kelly is about
Speaker 2: ums and likes and that kind of stuff. But I
Speaker 2: do remember early when we first started recording, I was
Speaker 2: doing all the editing, and I would take out any
Speaker 2: ums or likes that tiff and I would say Tiffany says,
Speaker 2: so a lot I used to take off yours. So
Speaker 2: it used to bother me, But like, I don't care anymore.
Speaker 2: Maybe we're just I just accepted.
Speaker 3: That's my transition word same.
Speaker 1: Sometimes you don't even realize that you say things like
Speaker 1: a lot and you're like oh, or like when am
Speaker 1: I get this? With my friend Cabral, whenever he's really
Speaker 1: into a conversation, he says like, okay, okay.
Speaker 2: I mean as a listener, those things might get great
Speaker 2: on people.
Speaker 1: Yes, yeah, yeah, I mean look like so look look
Speaker 1: and now now I'm conscious, I'm like, oh, I say sorry.
Speaker 2: No, Well it never stopped hasn't stopped you in five years.
Speaker 3: Don't worry. No, it hasn't.
Speaker 1: It's because I'm gonna be like, oh man, and then
Speaker 1: I'm gonna be right back at it.
Speaker 2: So look, there you go, there you go. Well, the
Speaker 2: thing is tip. I will say one one thing that
Speaker 2: TIF always jokes about is she sometimes repeats herself and
Speaker 2: tells the same story. Yes, there has been. I'm going
Speaker 2: to reveal it to Tiffany now. I have gone and
Speaker 2: edited out repeat stories. If I knew you had said
Speaker 2: it on a recent podcast.
Speaker 3: Yeah, because I don't remember anything.
Speaker 2: And that'll be like a fifteen minute segment and I'm
Speaker 2: fifteen minute rant and I'm like, mm hmmm, hmmm.
Speaker 3: I don't mind because everyone knows that.
Speaker 1: I'm like, I really get it for my she get
Speaker 1: it for my daddy, Like that's my father. Like I
Speaker 1: just I mean, since I was like in second grade,
Speaker 1: I'm like, what happened yesterday? My memory has always been
Speaker 1: like huh, testy at best. So I will tell you
Speaker 1: a full flood story. You're like, you literally told me
Speaker 1: this yesterday. I'm like, dy, why do you look to tell.
Speaker 3: The whole story again? So I'm just saying all that
Speaker 3: to say that I don't.
Speaker 1: I'm not saying sid about it because I know it's
Speaker 1: a it's a thing that I do. I think it's funny,
Speaker 1: and I don't mind people being like, heard it. Yeah,
Speaker 1: you don't have to let me rent fifteen minutes. You
Speaker 1: can be like, girl, you told us this last week?
Speaker 1: Are you told us this last year? Because I know
Speaker 1: I will not remember well.
Speaker 2: I think of our conversation as kind of like an
Speaker 2: improv because we don't really plan things. Maybe we'll have
Speaker 2: a couple of quick minutes before the show. We'll be like,
Speaker 2: I want to talk about this, We talk about that,
Speaker 2: and then hey, we spend forty minutes talking about other stuff.
Speaker 2: I think that's part of the you know what works
Speaker 2: about the show, and part of that improv style. And
Speaker 2: if you do, if you're considering doing a chat show
Speaker 2: like ours, I really consider like, in order to keep
Speaker 2: a conversation moving, I need to be listening to what
Speaker 2: Tiffany is saying, engaging with it. I can't be like multitasking,
Speaker 2: reading email, checking install whatever, because I'm not going to
Speaker 2: be able to keep her going. And like you know,
Speaker 2: I try and think of questions I can answert or
Speaker 2: ways to you know, if she needs to be amped up,
Speaker 2: like ways to get her to laugh or I don't know.
Speaker 2: I'm always trying to think of something witty to say
Speaker 2: so we can, like if something's really getting heavy, something
Speaker 2: I can say to like lighten the mood and yeah,
Speaker 2: so I let you go and whatever. I would rather
Speaker 2: not take you out of that, you know, take you
Speaker 2: out of your zone, like it's jarring when someone's like hey,
Speaker 2: even if I said it really nice, it would still bother.
Speaker 2: I feel like it would still be like really just
Speaker 2: you know, let me go. And I used to have
Speaker 2: all the time in the world to edit shows, but
Speaker 2: not anymore. Speaking of time, Instagram user, how do you
Speaker 2: say this? Narvar Rudd says how much of a time
Speaker 2: commitment is your show?
Speaker 3: Wow?
Speaker 1: I would say, I mean, so we tape once a
Speaker 1: week and taping depending if we have ads, and things
Speaker 1: can go anywhere from hour and a half to.
Speaker 3: Like three hours max.
Speaker 1: But there's also so what I've done now after five
Speaker 1: years of manly asking that as things happen during the week,
Speaker 1: I'd like keep notes from myself so I know, like
Speaker 1: things to talk about for the show versus just like
Speaker 1: super off the cuff, so I do that, so, but
Speaker 1: that doesn't I wouldn't. That doesn't really add up to
Speaker 1: like hours, but then editings. I don't know, Mandy, on average,
Speaker 1: how long did it used to take you to edit
Speaker 1: the show? For those who those who might still self edit.
Speaker 2: That's an actual question from one of ours, one of
Speaker 2: our Instagram follower Cherish your health, that how long would
Speaker 2: it take to take you to edit and upload each show?
Speaker 2: Let's see, I mean, like I said, I have Tiffany
Speaker 2: and I show is pretty straightforward. We talked to each other.
Speaker 2: We have three segments, as you guys know, which we've
Speaker 2: kind of fine tuned over the years, and it ended up,
Speaker 2: you know, being the segments that they are. It's not
Speaker 2: that difficult as long as I'm good about back when
Speaker 2: I was editing, as long as I'm good about notating.
Speaker 2: You know, when Superman would open a door and I
Speaker 2: would have to you know, edit the squeak and the
Speaker 2: little muffled conversation out, or you know, when one of
Speaker 2: us had audio issues or a car went by or
Speaker 2: sirens or whatnot. As long as I would just mark
Speaker 2: the timestamps, I could really quickly, like by the I
Speaker 2: mean up I was editing the show, you know, even
Speaker 2: after having the baby, and I could do it in
Speaker 2: like half an hour. And that's for about a forty
Speaker 2: five minute to an hour podcast because obviously I just
Speaker 2: had the conversation, so I pretty much knew what I
Speaker 2: wanted to cut. And I always and I think, if
Speaker 2: you're editing a podcast like a chat show, it's for me.
Speaker 2: The key was to edit immediately after the show while
Speaker 2: it's still fresh in your mind, because you will forget
Speaker 2: certain things and yeah, like listen, if I had to
Speaker 2: go and listen to every second of the show over again,
Speaker 2: then that would just take additional time. And I was
Speaker 2: once I had moved to the Suburbs two a couple
Speaker 2: of years ago, I had a forty minute commute and
Speaker 2: my goal was to finish editing the podcast before I
Speaker 2: got home. And I usually could do that. Yeah, so
Speaker 2: you did it.
Speaker 3: I didn't know you used to do it on a subway.
Speaker 2: Yeah, on the train. Because I edit using garage Band,
Speaker 2: which is a free software you get with any Mac computer,
Speaker 2: and garage Band you don't need the Internet for so
Speaker 2: as long as I put everything in garage Band, I
Speaker 2: could edit it from the show. The only thing I
Speaker 2: couldn't do was upload it to our our podcast site
Speaker 2: libs in at the time, and now we use something
Speaker 2: called megaphone, So that part I would just do at home,
Speaker 2: but all the editing you can do that anywhere.
Speaker 3: Look show I'm learning obviously. Look I'm a listener, like really.
Speaker 2: Yeah, because Tiffany's Tiffany is the cheese talent. I always
Speaker 2: tell you guys like this is like me.
Speaker 3: I'm like, I just show up and I'm like, where
Speaker 3: do I have to stand? I'm the groom.
Speaker 2: But that's what works for us. I learn the control freak.
Speaker 2: I like techie stuff. I like to learn skills. So
Speaker 2: it just it just we didn't have this big conversation
Speaker 2: first of all, if I I also know Tiffany, and
Speaker 2: I think that was a good balance. Like I wasn't
Speaker 2: going to say, hey, you're building your own business, Hey
Speaker 2: you want to learn how to end of the podcast too. No,
Speaker 2: and I think we've always just made it work according
Speaker 2: to where we were. Someone asked, how much did you
Speaker 2: pay to start your podcast? Very little?
Speaker 3: Yeah, because we paid so we got pictures taken Taneta
Speaker 3: took our pictures.
Speaker 2: Yeah, how much for you didn't even need a picture.
Speaker 2: A lot of podcasts just have a logo which you
Speaker 2: can do yourself, like in Canva or something. But we
Speaker 2: got had shots taken. How much were they I don't remember.
Speaker 2: They weren't.
Speaker 1: I want to say maybe one hundred something. They weren't
Speaker 1: like tremendously maybe maybe two hundred. But and you know,
Speaker 1: it's so crazy because it came up today, like in
Speaker 1: my photo album, like, hey, this five years ago, isn't
Speaker 1: that so funny?
Speaker 2: Five year anniversary is in a couple of weeks, I.
Speaker 1: Know, And it was like it showed me that literally,
Speaker 1: it said this week five years ago. I have a
Speaker 1: picture of me and Mandy August twenty sixth, twenty fifteen.
Speaker 1: We're into Netta Studio taking pictures. It came up on
Speaker 1: my phone. I'm like, oh, we looked so cute, and
Speaker 1: I listally, our offers were so cute because you were
Speaker 1: wearing the blue dress and I was wearing like that
Speaker 1: purple dress. I don't know that we planned it, but
Speaker 1: then we looked Nope, it's just anything so great.
Speaker 2: I regret the pink lipstick, but that's near neither here
Speaker 2: nor there, really dude, Now well now I'm like, damn,
Speaker 2: I was hot. I remember telling Sandda my arms make
Speaker 2: them skinnier. Uh no, but that was so that was
Speaker 2: the headshots actually the record. So, like I said, garage
Speaker 2: Band is free. Another good software is Audacity free, entirely free,
Speaker 2: where you can edit audio and it's really not hard
Speaker 2: for them how to edit. YouTube has a video for
Speaker 2: air thing and that's how I learned how to edit
Speaker 2: in garage Band. And the interface has only changed majorly once,
Speaker 2: and I was super annoyed. I had to relearn a
Speaker 2: couple of things. But again, YouTube is your friend. Cost
Speaker 2: Tiffany and I both. I mean my my Yetti mic,
Speaker 2: which is very commonly used among podcasters. I've had this
Speaker 2: since the beginning. It was maybe one hundred bucks. Uh
Speaker 2: you said your phone's about hundred bucks too, right.
Speaker 3: Yeah, I use my and I use my. Well, I
Speaker 3: just got a new Yetti which I've properly broken three
Speaker 3: days later. Yayell this.
Speaker 2: She gon't tell them it broke on its own.
Speaker 1: Yeah, No, it was like I think it was like
Speaker 1: one twenty five. So maybe it's gone up a little
Speaker 1: bit in price, but not significantly.
Speaker 2: So that being said, I legit use my Apple iPhone
Speaker 2: earbuds so often, so often because I really only started
Speaker 2: using the Yetti again when we had to be at
Speaker 2: home and I was recording through maternity leave. I wasn't
Speaker 2: going to lug this. It's a heavy microphone. I wasn't
Speaker 2: going to and I still worked in the city. I
Speaker 2: wasn't going to lug it to work, so I would
Speaker 2: just use my Apple earbuds and I never heard any complaints, y'all.
Speaker 2: M well, let's take a couple more because it's almost
Speaker 2: the baby's bedtime. Let's see. Oh, people want to know
Speaker 2: about advertising? Yeah, ad agency? So how is how is
Speaker 2: that possible? How do you get ads to do one?
Speaker 2: And do you guys have I'm kind of combining a
Speaker 2: bunch of questions. But do we pick and choose who
Speaker 2: we advertise on the show two years ago?
Speaker 3: Yes?
Speaker 1: Oh yeah, we started it too. Well, we do pick
Speaker 1: and choose, and then will they choose us? And then
Speaker 1: we have to choose them back?
Speaker 2: Yeah. Well, and this is a good note for networking.
Speaker 2: So I actually our ad agency we were connected to
Speaker 2: from a podcaster, fellow podcaster and friend of ours for
Speaker 2: Nouche for News to Robbie. Her podcast is called so Money,
Speaker 2: And I think I just reached out to her. Maybe
Speaker 2: we were like getting dinner or something, and I just said, hey,
Speaker 2: you know, who do you work with? And she connected
Speaker 2: us to their business development. If you're looking for folks
Speaker 2: to reach out to, you got a show and you're
Speaker 2: interested in partnering, look on their LinkedIn and see who's
Speaker 2: in charge of business development or talent acquisition. Those are
Speaker 2: the folks that you want to get in front of.
Speaker 2: And yeah, so she connected us, and I think that
Speaker 2: was great because they already knew her show, they worked
Speaker 2: with her, and having her endorse us was helpful. And yeah,
Speaker 2: a couple of months, I feel like a couple of
Speaker 2: months later we we had to deal with them. And
Speaker 2: let's talk about so pretty standard ad deal. I mean
Speaker 2: we have we can refuse any ads, and we do
Speaker 2: a lot like partners, and we don't like to necessarily
Speaker 2: pitch specific financial products and some some are just not
Speaker 2: in alignment with Like what are some of the types
Speaker 2: of brands that we've said that you say.
Speaker 1: So typically like like if it's like supplements me and
Speaker 1: made a book like I don't. Yeah, I mean like
Speaker 1: food is one thing, like oh this is a delicious burger, sure,
Speaker 1: but like hey, take this supplement to grow your hair.
Speaker 1: I'm like, I don't know what, you know, feel a
Speaker 1: little bit uneasy about that kind of thing, just because
Speaker 1: it just feels like, well, what if somebody gets hurt?
Speaker 1: You know?
Speaker 2: Yeah, yeah, and it's you know and Tiffany and I.
Speaker 2: We this is not our main source of income. It's
Speaker 2: not that big of a show. I mean, we won't
Speaker 2: be big. But you know, as far as like we
Speaker 2: we do fine with the ads, the ads that we sell,
Speaker 2: so but we don't we don't feel like we have
Speaker 2: to say yes to everything. We're not just trying to
Speaker 2: grab dollars out here. We genuinely try to say yes
Speaker 2: to companies that we have used that we like, and
Speaker 2: I don't I can't think of a sponsor recently who
Speaker 2: we haven't personally used or liked or anything like that.
Speaker 2: So yeah, we take it, take it personally. And commonly
Speaker 2: the split with ad agencies like thirty five sixty five,
Speaker 2: where you know, you keep sixty five, they get thirty five.
Speaker 2: That's pretty common. And what Joe Budden was talking about
Speaker 2: uh is important too. You know, when you if you're
Speaker 2: going to sign with any agency and they try to
Speaker 2: slip an exclusivity clause in there. That's something you want
Speaker 2: to really pay attention to because depending on what the
Speaker 2: language is, it can stop you from working with another network.
Speaker 2: It can stop you from using another agency to sell
Speaker 2: ads as well, even if they have more partners, or
Speaker 2: maybe even just stop you from you know, they could
Speaker 2: potentially lock you into a contract for longer than you
Speaker 2: know you're wanting to. I think finding the right partner
Speaker 2: is important. And what else can we say about ad agency?
Speaker 2: They're only an ad agency. So there's some networks out
Speaker 2: there that do a lot more than just advertising selling
Speaker 2: ads for your show, And depending on what your show
Speaker 2: is like, that maybe something that you want. And it's
Speaker 2: certainly something that Tiffany and I are you know, working
Speaker 2: on a little some something as we look to grow
Speaker 2: and and you know, take brand ambition to the next level.
Speaker 2: But yeah, I hope that was I'm trying to think
Speaker 2: of like good details that people will think, Okay, that
Speaker 2: was insightful. It's a lot of pressure.
Speaker 3: No, I think that was good.
Speaker 1: I think that, you know, as with anything, I think,
Speaker 1: you know, build your you know, get consistency is key.
Speaker 2: Oh thank you for saying that, yes, and tell the
Speaker 2: people tiff and I don't have bosses, y'all. We just
Speaker 2: do the show every week because we know how important
Speaker 2: it is to be consistent. It's become a.
Speaker 1: Habit exactly, and because it's I mean literally we could
Speaker 1: say no, but every week, I mean barring, like you know,
Speaker 1: Mandy had the baby, and sometimes we'll we'll take some
Speaker 1: like a month off in the summer or something like that.
Speaker 3: But honestly, we have been so consistent.
Speaker 1: And it's not easy, you know, like literally, there are
Speaker 1: times where Mandy's like, you know, I have a thing,
Speaker 1: can we push it time back?
Speaker 3: Or am I be like, ah, Mandy, I'm going to
Speaker 3: be on a flight. Can we do it on a Saturday?
Speaker 1: Or so? Even though the show airs like, you know,
Speaker 1: the same time, for the most part, we tape on
Speaker 1: the like around the same time on the on the
Speaker 1: same day of the week. But we're really flexible with
Speaker 1: each other, like, no problem, you know what, I can
Speaker 1: wake up a little earlier, stay up a little later.
Speaker 3: If need be.
Speaker 1: So consistency is key, but allowing flexibility if you're going
Speaker 1: to have somebody that you you you tape with, because
Speaker 1: real life happens and the podcast is not more important
Speaker 1: than your family and your friends and making sure you're okay.
Speaker 1: So we make we make that clear distinction that you
Speaker 1: need to be okay. This can always wait, We'll figure
Speaker 1: it out later. But yeah, we've been really consistent. I've
Speaker 1: been proud of that because it's not our lives. It's
Speaker 1: so crazy because I feel like me and Manny grew
Speaker 1: up on the podcast.
Speaker 3: Like we met. We were a single girl. I mean,
Speaker 3: we were dating our significant others. Was I even dating Superman?
Speaker 3: How do I even know how I date?
Speaker 2: I don't know either. You're twenty fifteen, twenty fourteen.
Speaker 3: Really, I think I was dating, but not just him.
Speaker 1: So I was dating him, but he wasn't my only
Speaker 1: But yeah, so we were like single and then you know,
Speaker 1: we started. We've got in a serious relationship around the
Speaker 1: same time. I think you but you were already dating.
Speaker 2: You were, Yeah, we were almost engaged. I think our
Speaker 2: engagement was like one of our early episodes that was
Speaker 2: the news exciting.
Speaker 1: And then you got married, and then I got married,
Speaker 1: and then you're the baby and baby's working on over here,
Speaker 1: and you bought a house.
Speaker 3: I bought a house.
Speaker 1: It's just I feel like I love that our audience
Speaker 1: has followed us through like IVF and buying a home
Speaker 1: and you know, and investing, and just we're like, you know,
Speaker 1: from you used to work at Yahoo Finance and now
Speaker 1: you're this big boss over there at lending Tree, and
Speaker 1: it's just like you know, when I first started, I
Speaker 1: don't I don't even know if the Literature Academy was
Speaker 1: a thing yet, and it's getting.
Speaker 2: Started because I was interviewing you for Yahoo at the
Speaker 2: time the launch of the Literature.
Speaker 1: Academy Challenge, not even the Academy mm hm. And so
Speaker 1: just to see that growth, that's what I love about
Speaker 1: this podcast. It's like one day our kids will be
Speaker 1: able to look back. It's almost like that. It's like
Speaker 1: a living diary of our lives, an audio diary.
Speaker 2: It truly is. I think, why don't I journal? And
Speaker 2: I'm like, what I do? Talk and record myself once
Speaker 2: a week. But can I just say though we can't.
Speaker 2: I mean, consistency is the biggest thing, Tiffany, But it's
Speaker 2: also reliability of who you're working with. And like I said,
Speaker 2: I'm not Tiffany's boss, she's not my boss, but we
Speaker 2: have there's just a mutual respect and understanding that we
Speaker 2: are in this together and that we both care about
Speaker 2: it and that we show up. You know, yes, we
Speaker 2: may get sick. And I mean I was uploading you know,
Speaker 2: rerun episode when I was in the labor room, you know,
Speaker 2: and I think I'd maybe take a couple of weeks
Speaker 2: off for the baby and all that. But it's it's
Speaker 2: not you know, without with if having you know, Tiffany
Speaker 2: and I just without having the stress of like will
Speaker 2: they show up, like will they respond to an email?
Speaker 2: You know that that really can kill a show if
Speaker 2: you don't have that trust in each other. And I
Speaker 2: think that's definitely, you know, beyond just like our mutual
Speaker 2: respect and love for each other. It's about just showing
Speaker 2: up and being reliable. And if you're going to do
Speaker 2: something with someone, make sure that there's someone you trust
Speaker 2: as a partner and someone who you know will show
Speaker 2: up for you. Don't want to be chasing someone around.
Speaker 1: Yeah, Like it's like, h so, if you don't want
Speaker 1: to do this, let me know, you know.
Speaker 3: And also too, but someone to who's going to be
Speaker 3: understanding because I remember there was a time in business
Speaker 3: where I was I didn't I mean, I'm better now,
Speaker 3: but I mean things are still busy, but I'm better
Speaker 3: at delegating, so I don't feel so overwhelmed. But I
Speaker 3: felt so overwhelmed. We used to tape.
Speaker 1: We used to have the podcasts come out on Tuesdays
Speaker 1: because we taped on Mondays. But Mondays I was doing
Speaker 1: individual phone calls with everyone on my team, so literally
Speaker 1: I would be on the phone for like eight hours
Speaker 1: straight and then tape the podcast.
Speaker 3: And I was like, I'm gonna die. And I was like,
Speaker 3: maybe Manny cave mees days, I can't do this. You
Speaker 3: were like sure.
Speaker 2: I was like, oh, we make the rules we make
Speaker 2: That's the best thing about it being independent. We make
Speaker 2: the rules. Yea working with that agency as sorry, go
Speaker 2: ahead now.
Speaker 1: I was gonna say that just helped so much. I
Speaker 1: was just because honestly, I was ready to be like
Speaker 1: I can't do this. I was like something has to give.
Speaker 1: I was going to be like, I don't know if
Speaker 1: I could do the podcast. And then I remember jot
Speaker 1: Elsho's on my team. I told her, I said, I
Speaker 1: don't know I'm gonna be able to keep doing the
Speaker 1: podcast because on Mondays. She's like, why don't you just
Speaker 1: ask man if you could take another day.
Speaker 4: I was like, oh, I asked you and you were
Speaker 4: like sure, and I was like, oh, okay, and if
Speaker 4: we taped on Tuesday, which was a lighter day for
Speaker 4: me then and I was like, oh, it was just
Speaker 4: such a good lesson.
Speaker 3: I mean, now we're back to mondays because mondays make sense.
Speaker 1: But yeah, it's just yeah, having someone that you can also,
Speaker 1: if you're going to have someone on your podcast, that
Speaker 1: you're going to have a co host, someone that you know,
Speaker 1: that you can that that cares about you beyond the show.
Speaker 3: I think that's important too.
Speaker 2: Yeah, one hundred percent. And I'm so happy to be
Speaker 2: on this journey together and I'm glad that we own
Speaker 2: it and that it's ours. You know, we did this,
Speaker 2: and I think that's why we have the success that
Speaker 2: we've We've had all those different factors. I think that's
Speaker 2: the talent. I think we both have interesting stories to tell,
Speaker 2: we both have knowledge, but we also respect our listeners
Speaker 2: and each other. And you need that from the business
Speaker 2: side if you guys want to succeed, you know, in
Speaker 2: the podcast land. And absolutely, Tiffany and I feel a niche.
Speaker 2: I mean, there really weren't very many, if any at all,
Speaker 2: podcast hosts that look like us in our space careers
Speaker 2: and investing in finance, whatever our category is now in
Speaker 2: business and that matters so and I want to tell
Speaker 2: you now it may seem like, you know, podcasting is
Speaker 2: so crowded and there's no space for new voice. Is
Speaker 2: there is? There is new space for new voices. People
Speaker 2: will always want to make money, y'all. And advertisers are
Speaker 2: flocking to podcasts. They know that listeners are engaged, they
Speaker 2: come back, they listen through, and they want shows that
Speaker 2: occur at least weekly. So if you're thinking about launching
Speaker 2: a podcast, and you know, I have so much respect
Speaker 2: for narrative, journalistic long form podcasting. I love those shows,
Speaker 2: the true crime shows that are like ten or twelve
Speaker 2: episodes limited series. But at the end of the day,
Speaker 2: and I've talked to a lot of people in podcasts
Speaker 2: business lately and they're like, listen, what advertisers want are
Speaker 2: shows that are weekly and they are on all the
Speaker 2: time because that is a billboard each week that they
Speaker 2: can advertise. So you know, if you're thinking about a show,
Speaker 2: I would keep that in mind. And how often are
Speaker 2: you going to record? You know, will it be appealing,
Speaker 2: do you like who is your audience and is it
Speaker 2: a segment that people are interested in selling to, you know,
Speaker 2: Tiffany and I most for listeners are twenty five to
Speaker 2: forty five, and that just happens to be in African
Speaker 2: American women. Hey, y'all. Ninety percent of y'all about Hello y'all.
Speaker 2: And you know, advertisers know that we like to spend money,
Speaker 2: and that's a beautiful thing. And but you know, know
Speaker 2: your audience and and and do your research, listen to
Speaker 2: shows and see what is lacking, see what's missing, and
Speaker 2: and you know and know that it's a long haul,
Speaker 2: like we've been in it for five years and we
Speaker 2: still have so much growth ahead of us. But you may,
Speaker 2: you know, I wouldn't quit your day job like right
Speaker 2: away for sure. You want to you know, build your audience,
Speaker 2: be true to them, and yeah, we'd be, I don't know,
Speaker 2: be supportive of each other. If I'm just assuming everyone
Speaker 2: wants to do a bestie podcast like us.
Speaker 1: Some people want to do it by themselves, and there's
Speaker 1: nothing wrong with that either, And you don't have to
Speaker 1: Like I mean, y'all know me and Mandy are we
Speaker 1: have distinct personalities. I'm definitely like silly, crazy. I mean,
Speaker 1: I can be serious when I feel like it. You
Speaker 1: don't have to be Mandy doesn't have to be like me.
Speaker 1: I don't have to be like Mandy. Just know that
Speaker 1: how you are. Just be that, and people will fall
Speaker 1: in love with who you are. Your people will find
Speaker 1: you and fall in love with who how you are.
Speaker 1: I think sometimes people think they have to put on
Speaker 1: you don't like, if you were to meet me in person,
Speaker 1: this is how I am. If you were to meet
Speaker 1: Mandy in person, that's how she is. It's I think
Speaker 1: it's really important to just show up as you because
Speaker 1: you are more than enough, and those people who will
Speaker 1: resonate with you will stay and those who don't want
Speaker 1: and you don't want the non resonators to stay, you know,
Speaker 1: because those are the ones that bitch and talk about.
Speaker 1: Don't talk about your uterus.
Speaker 2: Hey girl, Hey, they still have to review, though, I
Speaker 2: think it would. I think if they left a couple
Speaker 2: of stars, a few stars sports all right, Well but yeah,
Speaker 2: well y'all know my I do actually do have a
Speaker 2: boss and his name is Rio, and homeboy wants to
Speaker 2: go to sleep, so we have to wrap this up.
Speaker 2: But this was great. It's nice to reflect, especially coming
Speaker 2: up on our five year anniversary.
Speaker 3: I know.
Speaker 2: Yes, all right, guys, well, thank you again for all
Speaker 2: your support, and let's let's uh, let's uh wrap this up.
Speaker 2: What am I trying to say, Let's rap it up.
Speaker 2: Let's wrap it up Gmail dot com. With any more questions,
Speaker 2: DM me. I'm at Mandy Money with an I, M
Speaker 2: A and d I money on the gram. If you
Speaker 2: want to send me a personal DM, or you can
Speaker 2: hit us up at Brandon Mission Podcast. I check those two.
Speaker 2: And if you have more questions about starting a podcast
Speaker 2: or what it takes, I'm more than happy to share.
Speaker 2: There is more than enough room for all those who
Speaker 2: want to have a podcast. Join us. It's nice here.
Speaker 1: Yes, you can always follow me by Janissa on Instagram.
Speaker 1: I'm not gonna prompt some and to answer your dms
Speaker 1: because I get a lot, but I will say this
Speaker 1: my IG channel.
Speaker 2: What about your IG channel?
Speaker 3: I said, you'll get a good laugh.
Speaker 1: While learning about finances. I just posted some funny things
Speaker 1: funny meme today that everyone's like.
Speaker 3: Oh girl, get out my business.
Speaker 1: I love to do like a little funny financial meme
Speaker 1: and then hit you with the knowledge afterward.
Speaker 2: But yeah, Okay.
Speaker 3: So we gotta do a quick booster break.
Speaker 2: Really quick, like five second. My five second boost will
Speaker 2: be that we finally closed our mortgage REFI loan is funded,
Speaker 2: old mortgage paid off, new mortgage done, and we did
Speaker 2: it before the end of August, which somehow means we
Speaker 2: don't have to pay a mortgage payment in September. I
Speaker 2: don't know. I'm sure they get their money eventually, but yay,
Speaker 2: make nine ten and we got a great rate down
Speaker 2: from four point thirty seven to two point eight seven, not.
Speaker 3: Shabby, and I'm amazing.
Speaker 2: Oh thank you. Yeah, I'm excited, and I we're gonna
Speaker 2: We decided we're gonna put the extra savings into a
Speaker 2: brokerage account instead of using it to pay down our
Speaker 2: mortgage because the rate is so low. It's only two
Speaker 2: point eight percent. So we were like, okay, let's take
Speaker 2: that extra I think we're saving three point fifty six.
Speaker 2: It came down to, finally, we're gonna throw that into
Speaker 2: a broke Maybe we'll throw it into some applestock. I
Speaker 2: don't know, we'll see, we're gonna invest it.
Speaker 1: Do it.
Speaker 3: Well, I'm gonna do like a boosty breaking. So here's
Speaker 3: the break part.
Speaker 1: So people always doing I don't know right now, it's
Speaker 1: really huge online to do like these fake like accounts.
Speaker 3: You know.
Speaker 1: So a new spam account popped up on Facebook that
Speaker 1: they use like my image whatever. So that's the break part.
Speaker 1: You're like, oh, I'm tired. But the boost part is
Speaker 1: the name.
Speaker 3: I'm not gonna lie. It's hilarious.
Speaker 1: So this person said, my name is paquitoq Paquito. Okay,
Speaker 1: then I have to I gotta send you up. I'm
Speaker 1: gonna send your picture Paquito Gift, Like that is the
Speaker 1: name of like my new So if you see me
Speaker 1: on Facebook and you see my picture and it says
Speaker 1: this is Paquito Gift, this is a real account.
Speaker 3: This is literally what it says. This is a real
Speaker 3: account registered your name to be a winner. I'm giving
Speaker 3: away five thousand dollars in cash giveaways. Yes, Paquito is
Speaker 3: So I just thought that that was hilarious. If someone
Speaker 3: sent me a screenshot and I was like, is this real,
Speaker 3: They're like, girl, someone's pretending.
Speaker 1: To be you. I said, you know what, if you
Speaker 1: give your money to Paquito, you deserve it.
Speaker 2: That is really hilarious. So that's it.
Speaker 1: That was My break is I wish people would stop,
Speaker 1: you know, using my image to have a fake account.
Speaker 1: But the boost is it's hilarious, and you know what,
Speaker 1: call me Pakito from now.
Speaker 3: I just I can't get home that day.
Speaker 2: I don't know. I don't know. I have Team Tiffany
Speaker 2: on our on our BA swag which is coming, by
Speaker 2: the way, b a merch. You should be able to
Speaker 2: buy it with them. I'm going to give myself another week.
Speaker 2: I'm gonna figure this out. But we got the merch.
Speaker 2: It's looking good, y'all so cute. We're gonna have bran
Speaker 2: Ambision onesies, brown Ambission teas, sweatshirt, tote bag, get all
Speaker 2: the swag. It'll be on our website soon. Stay tuned.
Speaker 2: I don't know. Maybe I'll put Pakito limited editions.
Speaker 3: Oh my god, just a limited.
Speaker 2: Pakito limited edition? Uh what do you want? T shirt? Tank?
Speaker 2: We can we can make it happen.
Speaker 3: Yes, so it should just say who is Pakito?
Speaker 1: And meanwhile, there's so many unnecessary letters involved in Pakito.
Speaker 1: I'm just I'm gonna send it to you just so
Speaker 1: you could be like, how many cues are there?
Speaker 3: So go take care baby, yo, We thank you guys
Speaker 3: for joining us. As for usual, we love y'all, love y'all.
Speaker 2: All right, Tiffy, well, thank you for going late tonight.
Speaker 2: I know we're way over. No, that's okay, all right,
Speaker 2: all right, go get snacks for your man, all right.
Speaker 3: Bye, Bye Bye Talking test