1 00:00:06,320 --> 00:00:10,760 Speaker 1: It's time for the va qa, the v a qa, 2 00:00:10,800 --> 00:00:13,840 Speaker 1: which say the va qa with manday with b a 3 00:00:14,120 --> 00:00:17,840 Speaker 1: qa and nobody else. It's just me this week, y'all 4 00:00:17,920 --> 00:00:21,120 Speaker 1: ride in solo. My girl Tiffany is on VAK and 5 00:00:21,160 --> 00:00:24,200 Speaker 1: we love that for her. I am holding it down 6 00:00:24,640 --> 00:00:26,840 Speaker 1: this week on the baq and A and I actually 7 00:00:26,880 --> 00:00:30,560 Speaker 1: sang that song without burning with embarrassment, which I usually 8 00:00:30,600 --> 00:00:34,559 Speaker 1: do because Tiffany does it better. But I am very excited. 9 00:00:34,600 --> 00:00:38,040 Speaker 1: We've got a live member of the ba fan in 10 00:00:38,159 --> 00:00:41,479 Speaker 1: the hot seat in the studio today with me to 11 00:00:41,520 --> 00:00:45,720 Speaker 1: ask a question that honestly, I myself have struggled with 12 00:00:46,240 --> 00:00:49,160 Speaker 1: as a new entrepreneur. And so for any of y'all 13 00:00:49,200 --> 00:00:51,760 Speaker 1: who are nine to five, you have your nine to five, 14 00:00:51,800 --> 00:00:54,120 Speaker 1: but you have some side hustle income on the side, 15 00:00:54,600 --> 00:00:58,080 Speaker 1: which is fantastic and we support that, and I think 16 00:00:58,200 --> 00:01:01,240 Speaker 1: having additional streams of income is all always great. But 17 00:01:01,280 --> 00:01:03,040 Speaker 1: it's kind of like what they say is true, right, 18 00:01:03,120 --> 00:01:07,240 Speaker 1: more money, more problems. And it is tax season. So 19 00:01:07,360 --> 00:01:11,080 Speaker 1: our listener today, Maya is here to ask a question 20 00:01:11,200 --> 00:01:14,920 Speaker 1: about how she can take advantage of maybe some deductions 21 00:01:15,480 --> 00:01:18,840 Speaker 1: or just how to approach her taxes for twenty twenty two. 22 00:01:19,240 --> 00:01:21,320 Speaker 1: All right, so let's take a listen to Maya's question 23 00:01:21,480 --> 00:01:22,480 Speaker 1: and then we'll get coming. 24 00:01:23,000 --> 00:01:25,080 Speaker 2: So I have a nine to five, but I also 25 00:01:26,240 --> 00:01:28,920 Speaker 2: have work outside of my nine to five. 26 00:01:29,000 --> 00:01:30,680 Speaker 3: I guess you could call it a side hustle or 27 00:01:30,760 --> 00:01:31,440 Speaker 3: side hustles. 28 00:01:31,440 --> 00:01:33,960 Speaker 2: But I always struggle when it comes to tax time, 29 00:01:34,720 --> 00:01:37,680 Speaker 2: and I feel like I'm not necessarily either writing off 30 00:01:37,720 --> 00:01:40,920 Speaker 2: everything that I could be writing off or reducing my 31 00:01:41,040 --> 00:01:44,240 Speaker 2: tax burden significantly so that it makes sense for me 32 00:01:44,280 --> 00:01:48,280 Speaker 2: to be earning extra income. So one of my questions 33 00:01:48,480 --> 00:01:50,480 Speaker 2: is how do you reduce your tax burden when you 34 00:01:50,560 --> 00:01:53,840 Speaker 2: do ten ninety nine work. I still owe the Feds 35 00:01:53,840 --> 00:01:55,720 Speaker 2: from last year, and I'm pretty sure that I'm not 36 00:01:55,760 --> 00:01:57,560 Speaker 2: going to get anything back this year when I do 37 00:01:57,600 --> 00:01:58,240 Speaker 2: my taxes. 38 00:01:58,520 --> 00:02:03,520 Speaker 1: All right, Maya, Welcome to Brown Ambition. Hi, thank you, 39 00:02:03,920 --> 00:02:06,640 Speaker 1: Hey Maya. I was giving her a little bit of 40 00:02:06,760 --> 00:02:08,400 Speaker 1: I was just teasing a little because you have the 41 00:02:08,440 --> 00:02:14,200 Speaker 1: most fabulous last name, lady, Lady Maya Pendleton of the 42 00:02:14,320 --> 00:02:24,240 Speaker 1: d C Washington Pendletons. It's giving, Bridgerton, It's giving. Did 43 00:02:24,280 --> 00:02:25,160 Speaker 1: you watch Bridgerton? 44 00:02:25,160 --> 00:02:25,919 Speaker 2: Am I high? 45 00:02:26,440 --> 00:02:27,280 Speaker 3: But I know what it is? 46 00:02:28,560 --> 00:02:33,080 Speaker 1: Dang, Maya, I can't get into the like, I don't know. 47 00:02:34,040 --> 00:02:35,919 Speaker 1: So if I said I burned for you, you would 48 00:02:35,960 --> 00:02:37,040 Speaker 1: have no idea what that meant. 49 00:02:37,040 --> 00:02:39,840 Speaker 3: Okay, that's fine, Sorry, that's fine. 50 00:02:40,280 --> 00:02:43,640 Speaker 1: Hopefully you're not here to talk about my Netflix dramas 51 00:02:43,639 --> 00:02:45,720 Speaker 1: and rom comms anyway. You were here to talk about 52 00:02:45,919 --> 00:02:48,040 Speaker 1: your side hustle. So tell me a little bit about 53 00:02:48,080 --> 00:02:50,760 Speaker 1: what you do on the side and how long you've 54 00:02:50,760 --> 00:02:51,480 Speaker 1: been doing that for. 55 00:02:52,120 --> 00:02:55,040 Speaker 3: So, I right on the side, I do research on 56 00:02:55,080 --> 00:02:57,720 Speaker 3: the side. I've been doing that for about maybe like 57 00:02:57,760 --> 00:03:01,480 Speaker 3: three years in additions to my full time job. I 58 00:03:01,520 --> 00:03:04,320 Speaker 3: really like the work, but it makes my tax is 59 00:03:04,320 --> 00:03:05,520 Speaker 3: really difficult every. 60 00:03:05,360 --> 00:03:10,519 Speaker 1: Year every year. So you're a freelance writer. Basically, yes, nice, 61 00:03:10,600 --> 00:03:12,120 Speaker 1: I love that. What kind of writing do you do? 62 00:03:12,760 --> 00:03:18,800 Speaker 3: I write about like racial justice, about abolition, about prison. 63 00:03:18,520 --> 00:03:23,720 Speaker 1: Infusing Okay, so really uplifting stuff. Yeah, very brings a lot, 64 00:03:24,080 --> 00:03:27,519 Speaker 1: no but important stuff. No, that's fantastic. And as a 65 00:03:27,960 --> 00:03:31,280 Speaker 1: journalist myself and as someone who has written for definitely 66 00:03:31,280 --> 00:03:34,760 Speaker 1: I write freelance now. I it was like this money 67 00:03:34,800 --> 00:03:37,320 Speaker 1: is cute during the year, but then around January February 68 00:03:37,360 --> 00:03:39,280 Speaker 1: you get those damn ten ninety nine's into the middle 69 00:03:41,240 --> 00:03:43,720 Speaker 1: and it's like, wait, I was excited to earn this 70 00:03:43,800 --> 00:03:46,440 Speaker 1: money back in October in June, but now I'm like, 71 00:03:46,680 --> 00:03:49,120 Speaker 1: when's this paper? And I just have this stack of like, 72 00:03:49,600 --> 00:03:51,560 Speaker 1: you know, because every time you earn I think it's 73 00:03:51,600 --> 00:03:54,960 Speaker 1: what is it, like more than six hundred dollars from Yeah, 74 00:03:55,040 --> 00:03:59,040 Speaker 1: then you get you your your the contract or the 75 00:03:59,080 --> 00:04:01,839 Speaker 1: company that's paid you will deliver you a ten ninety nine. 76 00:04:02,880 --> 00:04:05,120 Speaker 1: And it's not like it's the ten ninety nine themselves 77 00:04:05,200 --> 00:04:09,120 Speaker 1: is not stressful. It's just like, okay, so how do I, 78 00:04:09,200 --> 00:04:11,800 Speaker 1: you know, put these include these on my income for 79 00:04:12,040 --> 00:04:15,280 Speaker 1: the tax year? And then I know your question is 80 00:04:15,320 --> 00:04:18,920 Speaker 1: like how do I make deductions? Like how can I 81 00:04:19,040 --> 00:04:22,680 Speaker 1: lessen my tax burdens because I do have this extra income, 82 00:04:23,960 --> 00:04:27,960 Speaker 1: So let's start there. Do you actually have a tax 83 00:04:28,000 --> 00:04:30,080 Speaker 1: preparer or an accountant who you work with? 84 00:04:30,279 --> 00:04:32,080 Speaker 3: No? And that's the crazy part. So I just do 85 00:04:32,200 --> 00:04:34,479 Speaker 3: it all myself. And I know that's right. I know. 86 00:04:34,720 --> 00:04:36,320 Speaker 3: I know. That's why I asked, because I was. 87 00:04:36,240 --> 00:04:38,039 Speaker 1: Like, this is you know, why, So tell me why, 88 00:04:38,080 --> 00:04:40,400 Speaker 1: because I I think no judgment. 89 00:04:40,520 --> 00:04:43,160 Speaker 3: No. Before I was used to just you know, nine 90 00:04:43,160 --> 00:04:45,600 Speaker 3: to five texts are very straightforward, like put in the 91 00:04:45,680 --> 00:04:48,040 Speaker 3: number of the beautiful, right, you get the numbers back, 92 00:04:48,080 --> 00:04:50,520 Speaker 3: it's fine. So I have been used to doing it 93 00:04:50,560 --> 00:04:52,800 Speaker 3: that way, so I think like the first few years 94 00:04:52,880 --> 00:04:54,760 Speaker 3: or two years is to be like my third year 95 00:04:54,760 --> 00:04:57,040 Speaker 3: of doing it. This is the first year I've been like, no, 96 00:04:57,160 --> 00:05:00,200 Speaker 3: I gotta get a handle on this. I was just like, well, 97 00:05:00,200 --> 00:05:03,800 Speaker 3: it can't be but so hard. But then you owe 98 00:05:03,839 --> 00:05:05,520 Speaker 3: a bunch of taxes, so it is hard. 99 00:05:06,720 --> 00:05:09,200 Speaker 1: Yeah. I know. My husband's like, remember the days we 100 00:05:09,279 --> 00:05:11,880 Speaker 1: used to get tax refunds, and I'm like, babe, wish 101 00:05:12,000 --> 00:05:14,960 Speaker 1: if you look at it. But that's almost like looking 102 00:05:15,000 --> 00:05:17,520 Speaker 1: at it in a positive light. I think takes away 103 00:05:17,560 --> 00:05:19,920 Speaker 1: the fact that tax refunds aren't that awesome. I mean, 104 00:05:19,960 --> 00:05:22,359 Speaker 1: they're great because it's like a little windfall, but it 105 00:05:22,400 --> 00:05:24,880 Speaker 1: also means that you've been giving more money than you 106 00:05:24,920 --> 00:05:29,359 Speaker 1: should have to the government all year long. Sure I will, okay, 107 00:05:29,400 --> 00:05:32,280 Speaker 1: so you don't have a tax professionally working with Now 108 00:05:32,279 --> 00:05:34,560 Speaker 1: we're going to get to that. I'm wondering, have you 109 00:05:34,600 --> 00:05:37,599 Speaker 1: been setting aside money throughout the year from your earnings 110 00:05:37,920 --> 00:05:41,040 Speaker 1: now that we try to do okay. 111 00:05:40,920 --> 00:05:43,520 Speaker 3: God, we don't calculate that very well. Because listen, I 112 00:05:43,520 --> 00:05:45,520 Speaker 3: got the tax forms back, and I was like, there's 113 00:05:45,520 --> 00:05:47,880 Speaker 3: no way I made that much and I didn't, right, 114 00:05:50,120 --> 00:05:52,200 Speaker 3: But I try to, you know, at least do like 115 00:05:52,240 --> 00:05:55,240 Speaker 3: twenty or thirty every time I get paid put that 116 00:05:55,279 --> 00:05:56,640 Speaker 3: in a savings account. 117 00:05:57,640 --> 00:06:00,760 Speaker 1: Okay, yeah, I And sometimes it's like when you get 118 00:06:00,760 --> 00:06:03,400 Speaker 1: these what I miss the most about being a W 119 00:06:03,520 --> 00:06:05,839 Speaker 1: two worker is I used to just go to my 120 00:06:05,920 --> 00:06:09,520 Speaker 1: payroll website and be like, withhold this, automate that, and 121 00:06:09,520 --> 00:06:11,400 Speaker 1: then I wouldn't have to think about it. But when 122 00:06:11,440 --> 00:06:14,479 Speaker 1: you're getting paid, you get checks and deposits, you know, 123 00:06:14,640 --> 00:06:17,680 Speaker 1: randomly throughout the year, you have to remember, okay, go 124 00:06:17,839 --> 00:06:21,240 Speaker 1: in and transfer twenty five or thirty percent into savings 125 00:06:21,279 --> 00:06:24,720 Speaker 1: and then sometimes that happens, you know, too late or 126 00:06:24,960 --> 00:06:28,640 Speaker 1: after you spent it, so I get that one hundred 127 00:06:28,640 --> 00:06:32,440 Speaker 1: percent and you hear often like one of the benefits 128 00:06:32,440 --> 00:06:35,280 Speaker 1: of having a side business is that you do have 129 00:06:35,520 --> 00:06:39,919 Speaker 1: the potential for deductions, and you know, people make it 130 00:06:39,960 --> 00:06:43,279 Speaker 1: seem so easy, like you know, there's this idea that 131 00:06:43,320 --> 00:06:45,520 Speaker 1: you can like buy a whole car and have that deducted, 132 00:06:45,600 --> 00:06:48,440 Speaker 1: and like you can deduct can you deduct your mortgage 133 00:06:48,480 --> 00:06:50,239 Speaker 1: and like all this stuff, and it's like a little 134 00:06:50,279 --> 00:06:53,400 Speaker 1: too too much. So to bring us back down to earth, 135 00:06:53,680 --> 00:06:56,400 Speaker 1: the first thing I'll say is it's important to understand 136 00:06:56,480 --> 00:07:01,279 Speaker 1: like what actually can be used to like reduce your 137 00:07:01,360 --> 00:07:04,400 Speaker 1: taxable income as a business owner. So you're a writer, 138 00:07:04,839 --> 00:07:07,839 Speaker 1: for example, I would I wonder like, do you use 139 00:07:07,839 --> 00:07:12,720 Speaker 1: any subscriptions for your business, like writing software, transcription software, 140 00:07:14,040 --> 00:07:17,160 Speaker 1: any business services that you rely on throughout the year 141 00:07:17,360 --> 00:07:18,320 Speaker 1: for your business? 142 00:07:18,680 --> 00:07:21,280 Speaker 3: I don't. I just use the basics of like Wi 143 00:07:21,280 --> 00:07:22,280 Speaker 3: Fi my laptop. 144 00:07:23,800 --> 00:07:27,440 Speaker 1: Wait, but a Wi Fi? So like Wi Fi there's 145 00:07:27,520 --> 00:07:30,440 Speaker 1: Wi Fi and you work from home when you do 146 00:07:30,440 --> 00:07:30,840 Speaker 1: the writing? 147 00:07:30,880 --> 00:07:32,000 Speaker 3: Is that right from home? 148 00:07:32,880 --> 00:07:35,200 Speaker 1: Okay? Oh, this is one question I should have asked you. 149 00:07:35,240 --> 00:07:37,120 Speaker 1: And by the way, I am not a tax professional. 150 00:07:37,160 --> 00:07:39,920 Speaker 1: I'm just you know your financial bff in your head. 151 00:07:41,200 --> 00:07:44,600 Speaker 1: So my first piece of advice should have been like, babes, 152 00:07:44,800 --> 00:07:46,480 Speaker 1: you need to level up, find you a We're going 153 00:07:46,560 --> 00:07:48,480 Speaker 1: to find you a CPA. You got to do, yes. 154 00:07:48,680 --> 00:07:51,960 Speaker 1: But now I'm asking because you know these home expenses 155 00:07:52,000 --> 00:07:54,320 Speaker 1: they can be a part of a deduction. Like for example, 156 00:07:54,360 --> 00:07:57,880 Speaker 1: I'm here in my zenden. This is my basement essentially, 157 00:07:58,200 --> 00:08:01,840 Speaker 1: and so there's like a calculation that my accountant helps 158 00:08:01,920 --> 00:08:04,400 Speaker 1: me with where it's like, how much square footage is 159 00:08:04,440 --> 00:08:07,040 Speaker 1: your house? How much of that square footage do you 160 00:08:07,200 --> 00:08:10,600 Speaker 1: use for your business? And then like, let's say it's 161 00:08:10,960 --> 00:08:15,040 Speaker 1: twenty percent. Then like and this is a rudimentary calculation. 162 00:08:15,160 --> 00:08:18,120 Speaker 1: This is why we need these tax nerds to help us. Yes, 163 00:08:18,440 --> 00:08:20,960 Speaker 1: but like twenty percent of my mortgage or twenty percent 164 00:08:21,000 --> 00:08:24,120 Speaker 1: of my my WiFi or my you know, my cell 165 00:08:24,160 --> 00:08:27,640 Speaker 1: phone expenses maybe can be deducted from my income because 166 00:08:27,760 --> 00:08:30,920 Speaker 1: I work from home. In that way, you know, if 167 00:08:30,920 --> 00:08:33,160 Speaker 1: you were traveling, which it doesn't think I don't think 168 00:08:33,200 --> 00:08:36,599 Speaker 1: you are, but travel expenses, Oh, sometimes, okay. 169 00:08:36,360 --> 00:08:39,040 Speaker 3: I will go to a conference or like an in 170 00:08:39,080 --> 00:08:40,760 Speaker 3: person meaning yes. 171 00:08:41,440 --> 00:08:43,920 Speaker 1: Yeah, conferences. So I went to a big conference in 172 00:08:43,960 --> 00:08:47,200 Speaker 1: twenty twenty two, and I can you can deduct you 173 00:08:47,240 --> 00:08:49,800 Speaker 1: can definitely write off like your expenses for the conference, 174 00:08:49,800 --> 00:08:55,000 Speaker 1: the travel, the food, the actual cost of like the admission. Also, 175 00:08:55,440 --> 00:08:57,439 Speaker 1: one of the tips my accountant gave me for twenty 176 00:08:57,480 --> 00:09:00,719 Speaker 1: twenty two was go ahead and purchase any conferences you 177 00:09:00,760 --> 00:09:03,120 Speaker 1: want to go to in the next year. Purchase them 178 00:09:03,120 --> 00:09:06,440 Speaker 1: in twenty twenty two so that it can work. It 179 00:09:06,440 --> 00:09:11,400 Speaker 1: can go towards your your write offs for twenty twenty two. Now. 180 00:09:11,400 --> 00:09:14,200 Speaker 1: I know it's a little late for that tip right now, 181 00:09:14,240 --> 00:09:17,000 Speaker 1: but I'm just saying for future reference, if you know 182 00:09:17,040 --> 00:09:19,640 Speaker 1: you're going to do something business wise, like go ahead 183 00:09:19,679 --> 00:09:22,600 Speaker 1: and stack those expenses so that they're hitting you in 184 00:09:22,640 --> 00:09:24,560 Speaker 1: the current tax year so that they can you know, 185 00:09:24,720 --> 00:09:29,840 Speaker 1: go toward your like reducing your income. Now, office supplies. 186 00:09:29,880 --> 00:09:32,960 Speaker 1: Do you have like printer, printer, paper stuff like that? 187 00:09:33,280 --> 00:09:36,479 Speaker 3: It this sounds crazy, I really don't. I got pins 188 00:09:36,480 --> 00:09:37,559 Speaker 3: in the laptop. 189 00:09:38,840 --> 00:09:42,320 Speaker 1: That stuff. Like if there's listen, if you have like 190 00:09:42,840 --> 00:09:45,120 Speaker 1: even your computer, I know that maybe it's not you 191 00:09:45,120 --> 00:09:46,880 Speaker 1: didn't buy it last year. But if you're someone who's 192 00:09:46,880 --> 00:09:48,480 Speaker 1: starting a side hustle, you want to buy a piece 193 00:09:48,480 --> 00:09:51,600 Speaker 1: of equipment startup cost, you know, that can be a 194 00:09:51,600 --> 00:09:55,480 Speaker 1: part of something that you can reduce. I have some 195 00:09:55,520 --> 00:10:00,600 Speaker 1: subscriptions to like media outlets, trade publications that I that 196 00:10:00,720 --> 00:10:03,480 Speaker 1: I you know, can stack up and include as well, 197 00:10:04,720 --> 00:10:07,320 Speaker 1: so you don't use a car. But like, there's there's 198 00:10:07,360 --> 00:10:11,040 Speaker 1: stuff out there. The thing is, it's not it feels 199 00:10:11,520 --> 00:10:15,600 Speaker 1: cumbersome and like complex because it does take I think 200 00:10:15,840 --> 00:10:18,960 Speaker 1: an expert to come in and really identify like, Okay, 201 00:10:19,000 --> 00:10:22,439 Speaker 1: according to this arcane tax regulation, how much of that 202 00:10:22,480 --> 00:10:26,760 Speaker 1: can you deduct? And I think what gets sticky is 203 00:10:26,760 --> 00:10:29,440 Speaker 1: when we try to do it ourselves. The thing about 204 00:10:29,480 --> 00:10:32,480 Speaker 1: having a side business or additional income is I do 205 00:10:32,520 --> 00:10:36,760 Speaker 1: feel like we are more susceptible to IRS audits, right, 206 00:10:37,559 --> 00:10:40,040 Speaker 1: So I think it becomes even more important to like 207 00:10:40,160 --> 00:10:43,120 Speaker 1: get that stamp of approval from a tax professional and 208 00:10:43,240 --> 00:10:46,280 Speaker 1: have that, you know, even put that that expense can 209 00:10:46,320 --> 00:10:49,040 Speaker 1: be put into your business expenses for the year. You know, 210 00:10:49,760 --> 00:10:52,000 Speaker 1: however much I think my tax account, I think it's 211 00:10:52,040 --> 00:10:54,400 Speaker 1: a few hundred dollars for her to maybe more five 212 00:10:54,480 --> 00:10:56,880 Speaker 1: hundreds something like that for her to do my business taxes. 213 00:10:57,679 --> 00:11:02,679 Speaker 1: But the peace of mind is just extraordinary. Are there 214 00:11:02,720 --> 00:11:06,439 Speaker 1: any like specific concerns you have heading into twenty twenty 215 00:11:06,440 --> 00:11:10,439 Speaker 1: two that you're like, oh, you know this might come 216 00:11:10,520 --> 00:11:11,880 Speaker 1: up for me. Yeah. 217 00:11:11,920 --> 00:11:14,959 Speaker 3: I think my biggest thing is that my income increase 218 00:11:15,160 --> 00:11:18,480 Speaker 3: and then the amount I earn outside of work also increased. 219 00:11:18,520 --> 00:11:20,719 Speaker 3: So I just feel like I'm going to say, with 220 00:11:20,800 --> 00:11:23,719 Speaker 3: the wild tax bill, do. 221 00:11:23,720 --> 00:11:25,400 Speaker 1: You think you're going to be in a higher tax 222 00:11:25,440 --> 00:11:29,720 Speaker 1: bracket possibly because of your freelance income. Yeah, yeah, that 223 00:11:29,720 --> 00:11:31,360 Speaker 1: could be an issue, like if you were because you 224 00:11:31,400 --> 00:11:33,520 Speaker 1: know what tax bracket you're in based on your salary. 225 00:11:33,840 --> 00:11:36,360 Speaker 1: But then you do you know, like how much you 226 00:11:36,400 --> 00:11:38,280 Speaker 1: earned in twenty twenty two, or do you keep? Do 227 00:11:38,320 --> 00:11:40,480 Speaker 1: you keep? Do you have a bookkeeper or any kind 228 00:11:40,520 --> 00:11:41,559 Speaker 1: of bookkeeping system? 229 00:11:41,720 --> 00:11:45,080 Speaker 3: I don't maya okay, I don't do. 230 00:11:45,200 --> 00:11:48,840 Speaker 1: We don't get you together. Girls, It's time to do them. 231 00:11:48,840 --> 00:11:52,000 Speaker 1: You a big girl, you gotta do okay. So there 232 00:11:52,040 --> 00:11:56,160 Speaker 1: are there are some relatively simple bookkeeping systems. For example, 233 00:11:56,360 --> 00:11:59,960 Speaker 1: I started with quick books. It's, you know, not that expense. 234 00:12:00,240 --> 00:12:02,640 Speaker 1: It's I feel like thirty to forty bucks a month, 235 00:12:02,679 --> 00:12:05,840 Speaker 1: depending on what you get. And as long as you 236 00:12:05,920 --> 00:12:08,720 Speaker 1: run your you know you deposits and things, you connect 237 00:12:08,760 --> 00:12:10,560 Speaker 1: your bank accounts, it'll keep track of what you have 238 00:12:10,640 --> 00:12:15,200 Speaker 1: coming in. Now, a bookkeeper for me became really essential 239 00:12:15,760 --> 00:12:18,520 Speaker 1: because it was hard to find a good accountant who 240 00:12:18,600 --> 00:12:21,160 Speaker 1: wanted to work with me unless I had a bookkeeper. 241 00:12:21,480 --> 00:12:24,080 Speaker 1: They don't mess around, they're like and a bookkeeper will 242 00:12:24,160 --> 00:12:28,040 Speaker 1: essentially she mine is a she shout out to Tianu. 243 00:12:28,880 --> 00:12:32,760 Speaker 1: They will once a month go through everything that you've 244 00:12:32,760 --> 00:12:37,520 Speaker 1: had coming in your expenses and reconcile everything. And reconciliation 245 00:12:37,679 --> 00:12:41,240 Speaker 1: is basically like you know, we understand where these expenses 246 00:12:41,280 --> 00:12:43,400 Speaker 1: came from. We're going to categorize them and everything, and 247 00:12:43,400 --> 00:12:46,199 Speaker 1: they put it in a pretty package for your accountant 248 00:12:46,600 --> 00:12:48,920 Speaker 1: so they know that they have accurate records when they 249 00:12:49,000 --> 00:12:52,280 Speaker 1: come to calculate your taxes. So even though we talk 250 00:12:52,320 --> 00:12:55,200 Speaker 1: about like getting a tax account and a CPA, I 251 00:12:55,240 --> 00:12:58,160 Speaker 1: think from my own experience, it's just start with a 252 00:12:58,160 --> 00:13:02,560 Speaker 1: good bookkeeper, you know, So a bookkeeper, I would say, 253 00:13:02,679 --> 00:13:05,640 Speaker 1: especially if you're going to continue this freelance income, makes 254 00:13:05,640 --> 00:13:07,840 Speaker 1: a lot of sense for you to just have someone 255 00:13:07,960 --> 00:13:13,000 Speaker 1: on your docket and like where, like where would you 256 00:13:13,040 --> 00:13:14,600 Speaker 1: feel like you could start if you were looking for 257 00:13:14,640 --> 00:13:15,320 Speaker 1: a bookkeeper. 258 00:13:16,280 --> 00:13:18,679 Speaker 3: I'm pretty sure that my brother uses one. So I 259 00:13:18,720 --> 00:13:22,400 Speaker 3: have family that keeps their finances together better than me 260 00:13:22,600 --> 00:13:24,319 Speaker 3: that I can lean on, which is helpful. 261 00:13:25,840 --> 00:13:28,960 Speaker 1: I love that you said, brother, so trust a trusted 262 00:13:29,000 --> 00:13:32,720 Speaker 1: person who could recommend your bookkeeper. I started. I found 263 00:13:32,720 --> 00:13:36,760 Speaker 1: my bookkeeper. She's actually the spouse of one of Tiffany's 264 00:13:36,760 --> 00:13:38,960 Speaker 1: former accountants. So I was like, you know, anybody, and 265 00:13:39,360 --> 00:13:42,400 Speaker 1: I checked out her website, I interviewed her and had 266 00:13:42,440 --> 00:13:45,000 Speaker 1: a great experience, and you know, I ended up going 267 00:13:45,000 --> 00:13:47,679 Speaker 1: with her. I spend about one hundred and fifty how 268 00:13:47,760 --> 00:13:50,120 Speaker 1: much do I spend I think I pay her quarterly. 269 00:13:50,160 --> 00:13:52,080 Speaker 1: It might be like four hundred or five hundred dollars 270 00:13:52,120 --> 00:13:56,040 Speaker 1: per quarter for her to reconcile my books. We also 271 00:13:56,160 --> 00:13:59,920 Speaker 1: use her for brown ambition. There is a like a 272 00:14:00,120 --> 00:14:04,080 Speaker 1: national organization of bookkeepers as well. A lot of bookkeepers 273 00:14:04,559 --> 00:14:07,280 Speaker 1: understand side hustlers because they themselves are doing it as 274 00:14:07,320 --> 00:14:09,600 Speaker 1: a side hustle, you know, like they may be an 275 00:14:09,600 --> 00:14:11,760 Speaker 1: accountant by day and then a bookkeeper on the side 276 00:14:11,760 --> 00:14:15,400 Speaker 1: for extra income or a finance like a payroll specialist 277 00:14:15,440 --> 00:14:17,560 Speaker 1: for a company, and then on the side they do bookkeeping. 278 00:14:18,920 --> 00:14:22,520 Speaker 1: So I would definitely find you a bookkeeper first, and 279 00:14:22,560 --> 00:14:26,560 Speaker 1: then the accountant. Even if you were wanting to work 280 00:14:26,560 --> 00:14:29,760 Speaker 1: with an accountant for twenty twenty three, sorry for twenty 281 00:14:29,800 --> 00:14:34,120 Speaker 1: twenty two taxes, which are due right now, they're probably 282 00:14:34,160 --> 00:14:36,520 Speaker 1: going to want heading in. They're going to be like, 283 00:14:36,600 --> 00:14:38,160 Speaker 1: do you have a bookkeeper? Do you have a profit 284 00:14:38,200 --> 00:14:40,680 Speaker 1: and law statement for twenty twenty two that I can 285 00:14:41,200 --> 00:14:45,080 Speaker 1: you know, quickly go through? So I would do what 286 00:14:45,120 --> 00:14:46,360 Speaker 1: you can to get something like that. 287 00:14:46,520 --> 00:14:50,600 Speaker 3: Ready, Wow, this is great, really herpful. 288 00:14:51,520 --> 00:14:53,040 Speaker 1: I feel like it's the kind of stuff you already 289 00:14:53,040 --> 00:14:56,080 Speaker 1: know what it's just like I look at it. You know, 290 00:14:56,720 --> 00:14:58,840 Speaker 1: all right, be a fan. You are listening to the 291 00:14:58,880 --> 00:15:02,160 Speaker 1: ba qa. We are going to take a quick break 292 00:15:02,200 --> 00:15:04,600 Speaker 1: and be right back with more of your questions and 293 00:15:04,720 --> 00:15:09,920 Speaker 1: our answers. Okayva fan, we are back answering more of 294 00:15:09,960 --> 00:15:13,040 Speaker 1: your questions for the BAQA. Let's go. And the next 295 00:15:13,040 --> 00:15:15,960 Speaker 1: thing to think about too, is like you as a 296 00:15:15,960 --> 00:15:18,240 Speaker 1: business owner. Oh, I forgot to ask have you established 297 00:15:18,280 --> 00:15:19,280 Speaker 1: yourself as an LLC? 298 00:15:19,600 --> 00:15:22,800 Speaker 3: So that was another like part of my question was 299 00:15:22,920 --> 00:15:26,000 Speaker 3: like is it better to establish an LLC? Is it 300 00:15:26,040 --> 00:15:28,480 Speaker 3: better like easier to get tax write offs or deductions 301 00:15:28,480 --> 00:15:30,800 Speaker 3: if you do that? Is that something that I should 302 00:15:30,880 --> 00:15:33,280 Speaker 3: be doing because I've been thinking about that for a 303 00:15:33,280 --> 00:15:33,840 Speaker 3: while now. 304 00:15:34,520 --> 00:15:38,160 Speaker 1: So you haven't established an LLC yet? Oh dang, okay 305 00:15:38,640 --> 00:15:41,840 Speaker 1: that is essential? Yeah, yes, because for you to qualify 306 00:15:41,840 --> 00:15:44,160 Speaker 1: for these business seductions, you have to have a business 307 00:15:44,240 --> 00:15:48,000 Speaker 1: right right, So okay, that changes a lot of things. 308 00:15:48,000 --> 00:15:50,280 Speaker 1: I almost wish we can, like shu, go back to 309 00:15:50,320 --> 00:15:53,520 Speaker 1: the beginning. And in this case, I'm not exactly sure. 310 00:15:53,760 --> 00:15:57,000 Speaker 1: I don't My instinct says maybe the ship has sailed 311 00:15:57,040 --> 00:15:59,080 Speaker 1: for like business write offs for you because you're not 312 00:15:59,120 --> 00:16:02,920 Speaker 1: an LLC. But I would say, like if the freelance 313 00:16:02,920 --> 00:16:05,640 Speaker 1: income has been coming in, like do you ballpark know 314 00:16:05,640 --> 00:16:07,200 Speaker 1: how much you made in twenty twenty. 315 00:16:06,920 --> 00:16:12,800 Speaker 3: Two and into you're probably maybe like twenty or thirty thousand. 316 00:16:13,080 --> 00:16:14,640 Speaker 1: Like babes, Yeah, have a business. 317 00:16:14,720 --> 00:16:18,040 Speaker 3: Yeah, well it didn't start as that like that was 318 00:16:18,280 --> 00:16:22,040 Speaker 3: I know it? Did it start it as like small? 319 00:16:22,600 --> 00:16:24,760 Speaker 3: I don't know, five K, four K and. 320 00:16:24,680 --> 00:16:28,680 Speaker 1: Then the girl Yeah, no, it's okay, better late than ever. 321 00:16:28,760 --> 00:16:31,400 Speaker 1: But I feel like a thousand percent start you in 322 00:16:31,720 --> 00:16:33,680 Speaker 1: LLC so that you can take advantage of this in 323 00:16:33,720 --> 00:16:37,320 Speaker 1: twenty twenty three. I mean, honestly, that kind of reduces 324 00:16:37,320 --> 00:16:39,360 Speaker 1: some of the pressure because I don't know that there's 325 00:16:39,440 --> 00:16:41,040 Speaker 1: much that can be done for you to like go 326 00:16:41,120 --> 00:16:43,840 Speaker 1: back and get tax right offs at this point. I'm 327 00:16:43,880 --> 00:16:45,760 Speaker 1: not a tax professional. So that's a good question for 328 00:16:45,800 --> 00:16:51,440 Speaker 1: like a CPA. Let me see for sure you should, uh, 329 00:16:51,680 --> 00:16:54,400 Speaker 1: you know, when you're in LLC. Then you can decide 330 00:16:54,440 --> 00:16:56,960 Speaker 1: if you want to be a single member LLC, which 331 00:16:57,000 --> 00:16:58,560 Speaker 1: it sounds like you're probably in that kind of place. 332 00:16:58,600 --> 00:17:00,600 Speaker 1: It doesn't sound like you're earning enough to be an 333 00:17:00,760 --> 00:17:04,240 Speaker 1: escort at this point. Just yeah, just just start there, 334 00:17:05,080 --> 00:17:07,320 Speaker 1: you know, start somewhere, treat yourself like the business that 335 00:17:07,359 --> 00:17:09,600 Speaker 1: you are, because for sure you're doing well. 336 00:17:10,000 --> 00:17:12,439 Speaker 3: Great, this is I mean, I've been thinking about all 337 00:17:12,440 --> 00:17:15,280 Speaker 3: of this, so it's good to hear and get confirmation. 338 00:17:16,000 --> 00:17:17,000 Speaker 1: Yeah, how old are you? 339 00:17:17,040 --> 00:17:17,119 Speaker 3: Do? 340 00:17:17,160 --> 00:17:20,439 Speaker 1: Might be asking, I'm thirty, Just thirty, that's awesome. I 341 00:17:20,520 --> 00:17:23,879 Speaker 1: just love like having you know, an extra twenty to 342 00:17:23,920 --> 00:17:27,239 Speaker 1: thirty k coming in. That's fantastic, you know. And I 343 00:17:27,280 --> 00:17:31,520 Speaker 1: feel like the tax part of it, it just sours everything. 344 00:17:31,600 --> 00:17:34,080 Speaker 1: When it does. You have to deal with the additional 345 00:17:34,160 --> 00:17:35,960 Speaker 1: stress of it, and you're like, dang, do I even 346 00:17:36,000 --> 00:17:36,760 Speaker 1: want this life? 347 00:17:37,040 --> 00:17:37,200 Speaker 3: No? 348 00:17:37,280 --> 00:17:38,280 Speaker 1: I do, think you too? 349 00:17:38,600 --> 00:17:40,720 Speaker 3: I do? Yeah, I do want it. I would love 350 00:17:40,800 --> 00:17:44,400 Speaker 3: to eventially move to having my own business. But every 351 00:17:44,720 --> 00:17:46,960 Speaker 3: this time of year, it gets like, wow, did I 352 00:17:47,040 --> 00:17:48,960 Speaker 3: really earn that much? Let me go back and look. 353 00:17:50,720 --> 00:17:53,119 Speaker 1: Yeah. And when you get a CPA too, they can 354 00:17:53,160 --> 00:17:55,320 Speaker 1: help you decide. Like, for example, one of the things 355 00:17:55,320 --> 00:17:58,920 Speaker 1: that my CPA does is advise how much I should 356 00:17:58,960 --> 00:18:01,840 Speaker 1: contribute for retirement, you know, based on my based on 357 00:18:01,880 --> 00:18:06,440 Speaker 1: my income and retirement contributions as well. It's a huge 358 00:18:06,440 --> 00:18:08,600 Speaker 1: part of like one of the benefits of having a 359 00:18:08,640 --> 00:18:11,480 Speaker 1: business is you know, there are types of accounts you 360 00:18:11,480 --> 00:18:15,520 Speaker 1: can open like a self employed or that step I 361 00:18:15,720 --> 00:18:19,040 Speaker 1: RA or a solo for one K like I have now, 362 00:18:19,640 --> 00:18:22,000 Speaker 1: and you can actually use your extra income to like 363 00:18:22,080 --> 00:18:26,879 Speaker 1: invest for your future. Yeah all right, so how are 364 00:18:26,920 --> 00:18:28,119 Speaker 1: we going to get you a CPA? What do you 365 00:18:28,119 --> 00:18:29,400 Speaker 1: feel like your next steps are there? 366 00:18:29,960 --> 00:18:33,280 Speaker 3: Okay, next steps start to get a CPA STAP. They're 367 00:18:33,280 --> 00:18:39,280 Speaker 3: going to use whoever bookkeeper bookkeeper? Yeah, CPA, Well you 368 00:18:39,320 --> 00:18:41,359 Speaker 3: comes first, because I feel like taxes are due in 369 00:18:41,400 --> 00:18:42,960 Speaker 3: a little more. 370 00:18:42,800 --> 00:18:45,360 Speaker 1: Than a month, so yes, this is true. You can 371 00:18:45,400 --> 00:18:48,280 Speaker 1: file an extension, like if you want. Yeah, you can 372 00:18:48,320 --> 00:18:50,600 Speaker 1: file an extension. I actually filed. I didn't file. My 373 00:18:50,600 --> 00:18:53,639 Speaker 1: accountant did because I was like kind of a mess 374 00:18:53,680 --> 00:18:55,680 Speaker 1: and I've missed a deadline and she's like, it's fine, 375 00:18:55,720 --> 00:18:58,919 Speaker 1: everyone files extensions. Let me follow you an extension. So 376 00:18:59,000 --> 00:19:02,159 Speaker 1: that's been done. So you could file an extension on 377 00:19:02,200 --> 00:19:06,040 Speaker 1: your individual taxes if you wanted to. Let me see 378 00:19:06,080 --> 00:19:08,040 Speaker 1: while you're trying to find because taxes are due one 379 00:19:08,200 --> 00:19:13,159 Speaker 1: like mid April. Okay, yeah, it doesn't. Now. The thing 380 00:19:13,200 --> 00:19:15,679 Speaker 1: with a tax extension that can be a little wonky 381 00:19:15,760 --> 00:19:18,600 Speaker 1: is it doesn't actually stop when you would owe your 382 00:19:18,640 --> 00:19:24,600 Speaker 1: taxes it's just basically like it's annoying, I know, But so. 383 00:19:24,560 --> 00:19:26,440 Speaker 3: You can't do it. 384 00:19:26,720 --> 00:19:31,639 Speaker 1: Because we're all supposed to be mathematicians. Maya, but I 385 00:19:31,760 --> 00:19:34,639 Speaker 1: would I would do both at the same time, like 386 00:19:34,680 --> 00:19:36,240 Speaker 1: try to find you a bookkeeper because you're going to 387 00:19:36,320 --> 00:19:40,639 Speaker 1: need them anyway, and then find a CPA an accountant 388 00:19:40,680 --> 00:19:42,439 Speaker 1: who and this is a thing, like it's fine to 389 00:19:42,440 --> 00:19:45,720 Speaker 1: go to family, but I would definitely go to accountants 390 00:19:45,720 --> 00:19:49,720 Speaker 1: who actually work with like nine to five entrepreneurs and 391 00:19:49,800 --> 00:19:52,919 Speaker 1: understand that whole you know, really intimately, and they're not 392 00:19:53,000 --> 00:19:57,159 Speaker 1: just like a tax preparer or an enrolled agent, like 393 00:19:57,200 --> 00:19:59,560 Speaker 1: they can probably process W two's and things like that, 394 00:19:59,600 --> 00:20:02,040 Speaker 1: but do they have the level of sophistication to be 395 00:20:02,080 --> 00:20:04,919 Speaker 1: able to work with someone, you know, with business income. 396 00:20:05,400 --> 00:20:09,840 Speaker 1: That's another question. And you may even be fine because 397 00:20:09,840 --> 00:20:11,280 Speaker 1: I know, I know it's a lot like twenty K, 398 00:20:11,359 --> 00:20:14,680 Speaker 1: thirty K whatnot, But you may even be fine using 399 00:20:14,720 --> 00:20:18,080 Speaker 1: like whatever software you've been using so far, because they're 400 00:20:18,080 --> 00:20:20,359 Speaker 1: going to they have the fields for you to fill in, 401 00:20:20,520 --> 00:20:22,280 Speaker 1: like upload your ten eighty nine and what did you 402 00:20:22,320 --> 00:20:27,040 Speaker 1: make and all that, and it will probably trigger like 403 00:20:27,080 --> 00:20:30,760 Speaker 1: some you never know, but it maybe trigger like a 404 00:20:30,760 --> 00:20:33,720 Speaker 1: a tax that you owe. I know you said you're 405 00:20:33,720 --> 00:20:38,600 Speaker 1: paying taxes from a previous year already. Yes, you may 406 00:20:38,640 --> 00:20:40,439 Speaker 1: need to like get on a payment plan for that 407 00:20:40,640 --> 00:20:43,120 Speaker 1: or something, but like, let this be the last year 408 00:20:43,119 --> 00:20:43,840 Speaker 1: that that happens. 409 00:20:44,000 --> 00:20:45,880 Speaker 3: Yes, you know that's the goal. 410 00:20:46,000 --> 00:20:48,879 Speaker 1: No better, no better, do better kind of thing. 411 00:20:48,920 --> 00:20:51,320 Speaker 3: I love it. I haves. 412 00:20:52,160 --> 00:20:55,320 Speaker 1: Okay, good, And let me see what else can I say? 413 00:20:55,320 --> 00:20:57,440 Speaker 1: I found my accountant through a referral of a friend 414 00:20:57,480 --> 00:21:01,920 Speaker 1: who is exactly like you. She works in New York. 415 00:21:02,400 --> 00:21:04,600 Speaker 1: So that's the thing, like I could I couldn't refer 416 00:21:04,640 --> 00:21:09,400 Speaker 1: her to you because you're based in Virginia, right or DC? Yeah, 417 00:21:09,440 --> 00:21:11,840 Speaker 1: so you want to find people who are licensed and 418 00:21:11,920 --> 00:21:14,919 Speaker 1: able to work with you in your state, So I 419 00:21:14,960 --> 00:21:18,480 Speaker 1: would start with also, like even being a part of 420 00:21:18,520 --> 00:21:22,199 Speaker 1: your community there, like if you have a I know 421 00:21:22,200 --> 00:21:25,800 Speaker 1: we have chambers of commerce, but if there's networking groups 422 00:21:25,800 --> 00:21:29,760 Speaker 1: for women entrepreneurs in the DC area or just entrepreneurs 423 00:21:29,760 --> 00:21:32,640 Speaker 1: in general, like they can be a great source of information. 424 00:21:32,760 --> 00:21:35,560 Speaker 1: I'm I'm sure there's a Facebook group out there where 425 00:21:35,960 --> 00:21:39,600 Speaker 1: be you got to be where you can check and see. 426 00:21:39,640 --> 00:21:42,200 Speaker 1: I'm sure someone's already asked this question. Anybody know any 427 00:21:42,200 --> 00:21:45,439 Speaker 1: good accountants, like I'm in a crunch and you know, 428 00:21:45,600 --> 00:21:49,320 Speaker 1: start reaching out and dedicate that time to it. It's 429 00:21:50,440 --> 00:21:53,000 Speaker 1: and I'm not going to make it seem like immediately 430 00:21:53,040 --> 00:21:56,400 Speaker 1: you'll feel like, oh, I have everything figured out. I'm 431 00:21:56,480 --> 00:21:59,760 Speaker 1: on year two and I'm like finally feeling like okay 432 00:22:00,040 --> 00:22:02,800 Speaker 1: for this year, I think I'm going to have it 433 00:22:02,880 --> 00:22:07,440 Speaker 1: all together, you know, of working with the CPA, it's 434 00:22:07,480 --> 00:22:09,600 Speaker 1: just it's just normal and it's like getting through the 435 00:22:09,640 --> 00:22:12,520 Speaker 1: growth period just to be a. 436 00:22:12,520 --> 00:22:15,919 Speaker 3: Little tricky with any Anything I've learned through with working 437 00:22:15,960 --> 00:22:18,440 Speaker 3: with finances or getting a finances together is that you 438 00:22:18,480 --> 00:22:22,000 Speaker 3: got to be patient time it does. 439 00:22:22,680 --> 00:22:24,720 Speaker 1: And like one of the things one of the reasons 440 00:22:24,760 --> 00:22:27,280 Speaker 1: I love my accountant, her name is Safie, is because 441 00:22:27,640 --> 00:22:30,080 Speaker 1: she is a lot easier on me than I am 442 00:22:30,080 --> 00:22:32,280 Speaker 1: on myself. Like she'll kind of tell me, like Mandy, 443 00:22:32,720 --> 00:22:35,119 Speaker 1: everyone's following an extension, You're not a you're not a failure. 444 00:22:35,160 --> 00:22:37,960 Speaker 1: You didn't mess up like it be. You know, it's fine. 445 00:22:38,040 --> 00:22:40,520 Speaker 1: I've seen worse and that can help. Like that helps 446 00:22:40,520 --> 00:22:42,520 Speaker 1: me with my anxiety around it too, Just like hearing 447 00:22:42,520 --> 00:22:46,600 Speaker 1: from an expert that I'm not the craziest like that 448 00:22:46,640 --> 00:22:51,080 Speaker 1: they've ever seen, And yeah, I wish you all the best. 449 00:22:51,080 --> 00:22:52,760 Speaker 1: I hope this was helpful or at least the kick 450 00:22:52,760 --> 00:22:53,600 Speaker 1: in the butt you needed. 451 00:22:53,880 --> 00:22:54,359 Speaker 2: It was. 452 00:22:54,400 --> 00:22:55,199 Speaker 3: You got me together. 453 00:22:56,320 --> 00:22:59,200 Speaker 1: Get it together, girl, you still have some time? Okay, yeah, 454 00:23:00,000 --> 00:23:03,560 Speaker 1: thank you, thanks so much for letting letting me chat 455 00:23:03,600 --> 00:23:06,280 Speaker 1: with you and for submitting your question to be a 456 00:23:06,280 --> 00:23:08,080 Speaker 1: anything else you want to say before we let you go, 457 00:23:08,400 --> 00:23:08,800 Speaker 1: that's it. 458 00:23:08,880 --> 00:23:10,880 Speaker 3: I will say that my friends are really big fans 459 00:23:10,920 --> 00:23:13,439 Speaker 3: of this podcast, so they were super excited I was 460 00:23:13,440 --> 00:23:15,000 Speaker 3: going to talk to you. Oh really yeah? 461 00:23:15,280 --> 00:23:17,240 Speaker 1: Are they the ones who were like my submitted question 462 00:23:17,359 --> 00:23:17,560 Speaker 1: b A. 463 00:23:18,480 --> 00:23:20,280 Speaker 3: I asked them. I was like, oh, what should I ask? 464 00:23:20,320 --> 00:23:22,960 Speaker 3: And they help me brainstorm. But one of my friends, 465 00:23:23,480 --> 00:23:26,280 Speaker 3: she like, has the gig up with money books. She 466 00:23:26,320 --> 00:23:28,200 Speaker 3: listens to the podcast. She's a big fan. 467 00:23:29,720 --> 00:23:32,840 Speaker 1: Oh she's a DreamCatcher. Awesome. Well, I hope you will 468 00:23:32,840 --> 00:23:35,760 Speaker 1: continue to be a fan. But regardless, best of luck, 469 00:23:35,880 --> 00:23:39,439 Speaker 1: you're so not alone. Just one step at a time. Okay, 470 00:23:39,600 --> 00:23:43,480 Speaker 1: thank you so much. All right, lady, thank you? All right, 471 00:23:43,600 --> 00:23:45,840 Speaker 1: ba fam, We will see you next time. If you 472 00:23:45,880 --> 00:23:48,840 Speaker 1: want to have a question and potentially a question answered 473 00:23:48,840 --> 00:23:50,919 Speaker 1: by us, or even potentially be on the show with 474 00:23:51,000 --> 00:23:52,760 Speaker 1: us live in the studio. You know what to do. 475 00:23:53,119 --> 00:23:55,760 Speaker 1: Go to Brand Ambition Podcast on ig and you could 476 00:23:55,760 --> 00:23:59,240 Speaker 1: submit a voice note there with like a sixty second 477 00:23:59,400 --> 00:24:02,639 Speaker 1: version of question and you may hear from our producer 478 00:24:02,800 --> 00:24:06,000 Speaker 1: and be invited to the show. I am Mandy Woodrif Santos. 479 00:24:06,000 --> 00:24:10,080 Speaker 1: We'll see y'all next week for more baqa hey, ba fam. 480 00:24:10,119 --> 00:24:12,960 Speaker 1: We could not do this show without your support or 481 00:24:13,000 --> 00:24:15,800 Speaker 1: the support of our team behind the scenes. The Brown 482 00:24:15,800 --> 00:24:19,880 Speaker 1: Ambition podcast is produced by Imani Crosby and Dennis Stanplinsky 483 00:24:20,119 --> 00:24:23,040 Speaker 1: is our in house tech guru. I am your co host, 484 00:24:23,080 --> 00:24:25,720 Speaker 1: Mandy Woodrif Santos, and we will see y'all next week. 485 00:24:25,800 --> 00:24:29,199 Speaker 1: Ba Fam.