Speaker 1: Hey, hey, hey child.
Speaker 2: Anyway, either way, I'm super happy broadcasting live from the
Speaker 2: new house.
Speaker 1: This is Tiffany.
Speaker 3: Oh happy happy, happy new home.
Speaker 1: I know right, I mean, she's and Rice? Is that
Speaker 1: even how people say it? I love?
Speaker 3: That's what I love saying she's and Rice.
Speaker 2: I wun't say it often enough, But no, it feels
Speaker 2: so good, Like I was saying earlier, You've been like,
Speaker 2: it feels like why I don't even miss that old place.
Speaker 1: I'm like, what old thing? I feel like, you know,
Speaker 1: breaking up with like a.
Speaker 2: Bad boyfriend and I'm like, I totally move on with
Speaker 2: this new guy. And then you guy's amazing.
Speaker 1: You're out the halfway hood exactly. Isn't that crazy? I
Speaker 1: don't live in that halfway good anymore?
Speaker 3: But I am sad for the children that you always
Speaker 3: talk about. Superman provides pizza for and juice boxes. What
Speaker 3: are they gonna do?
Speaker 1: I know?
Speaker 2: But honestly, like whe where he works is right next
Speaker 2: to it. So I was like, I have to go
Speaker 2: visit my babe.
Speaker 1: Minnie.
Speaker 2: She's like the a perpetual four year old. I'm like, Minnie,
Speaker 2: are you four?
Speaker 1: She's like I'm seven. I'm like, Minnie, do you grow.
Speaker 1: She's like no, and so yeah, I do. I am
Speaker 1: going to miss them.
Speaker 2: Actually, I think I am gonna, like, you know, go
Speaker 2: by and visit because that that is the the you know,
Speaker 2: the one sad things that I miss, like all the
Speaker 2: all the little babies around there.
Speaker 1: And and it's cute because my my sister.
Speaker 2: When she drops off her my niece and my nephew
Speaker 2: to just like meet a babysit, they love coming.
Speaker 1: They call it. My nagery name is otto, so they
Speaker 1: call it Auntie Eddo's house.
Speaker 2: They're like, I you know, they know that there's like
Speaker 2: a playground in the back and the kids always have
Speaker 2: a sprinkler going on. So last time she brought them here,
Speaker 2: they were like, where is this place? This is not
Speaker 2: this is not Auntie Eddol's playground. So they were highly
Speaker 2: disappointed at my new house.
Speaker 3: Kids are so suspicious of new locations.
Speaker 1: They were like, this is cute or whatever. Where are
Speaker 1: the kids?
Speaker 3: Yeah, we're hosting a barbecue for the fourth of July.
Speaker 3: And the first thing I've I've learned since all my
Speaker 3: friends have had kids is that keep the kids entertained.
Speaker 3: Like before I bought food or anything else, I was
Speaker 3: like we need a kidie pool. We need some water guns, uh,
Speaker 3: the kind that parents don't have to run and refill
Speaker 3: every five seconds because that drives them crazy. I've seen
Speaker 3: that happen. No fucking bubbles. Excuse me, sorry, that's how
Speaker 3: I feel about bubbles.
Speaker 1: I have seen.
Speaker 3: Yes, it's like, no, there's never a kid not crying
Speaker 3: at the end when you bring out bubbles, because you know,
Speaker 3: we have smaller kids on the we're on the smaller
Speaker 3: side and my friend group and like they want they know,
Speaker 3: they want to hold it themselves, but they're going to
Speaker 3: tip it over. The bubbles are going to be over
Speaker 3: within two minutes. Yeah, and then they're going to be screaming.
Speaker 2: Because they're like I can't unless you get which I
Speaker 2: did get from my my nephew wants.
Speaker 1: It was like a bubble I got offrom like Amazon.
Speaker 2: It's literally like the bubble thing like rotates like a
Speaker 2: windmill and then there's like a little fan behind it.
Speaker 2: It's like you know, like six bucks or something. Yeah,
Speaker 2: and it blows bubbles for you.
Speaker 1: So there's there's that.
Speaker 3: Those are clutch, but they only distract for so long.
Speaker 1: You know. I put them up high and I let
Speaker 1: them go crazy. I don't know what it is about
Speaker 1: kids and dogs.
Speaker 3: They love bubbles, they do, but I decided no bubble
Speaker 3: wars at my party, just water wars and some like
Speaker 3: little yeah kiddy things. So I'm excited for that. We
Speaker 3: had like a we had like what do you call it,
Speaker 3: a stress test this past weekend where Enrique, my husband's mom,
Speaker 3: was supposed to come with a couple of aunties and
Speaker 3: I should have known better. A couple of aunties turned
Speaker 3: into like fifteen sixteen, seventeen eighteen, a couple of hounds entire, yes,
Speaker 3: the entire inwood in the Bronx came to my backyard.
Speaker 3: I was just like, oh, who else is coming? Okay, cool,
Speaker 3: that's great, glad we have enough hamburgers and hot dogs.
Speaker 3: But yeah, it's that's it's summertime. When you got a house,
Speaker 3: what are you going to do?
Speaker 2: I know that was cool because it was I think
Speaker 2: it was like the next day after we moved in,
Speaker 2: it was like my sister came with the kids and
Speaker 2: I was like okay, and then like my.
Speaker 1: Doorball rings, it was like my frand Carol.
Speaker 2: I was like, oh hey, okay, and then like an
Speaker 2: hour after that, Drina came by.
Speaker 1: I was like hey, and then Drina bought her baby.
Speaker 1: Well he's four, but still his baby, and.
Speaker 2: Then Drina's husband came and then our neighbor. It was
Speaker 2: like literally from ten am to ten pm because I
Speaker 2: was like, Oh, I have all these plans this Saturday,
Speaker 2: I'm going to do all the unpacking.
Speaker 1: I did nothing.
Speaker 2: I ended up getting pizza and like I was like,
Speaker 2: oh my gosh, Like but it was so nice because
Speaker 2: we had not had that many people over and like,
Speaker 2: you know, because our apartment was so little, so it
Speaker 2: really couldn't bear like all of those people, you know,
Speaker 2: But so it was just nice. I mean it feels
Speaker 2: like home already, well homish because like we still have
Speaker 2: to get basically everything. We put together our bed that night,
Speaker 2: which was like I actually really love this bed. But
Speaker 2: when you're tired from moving, you're like to get the
Speaker 2: Allen key so you can put up a headboard.
Speaker 1: You're like, oh, just shoot me.
Speaker 3: But I'll never forget the p because when you put
Speaker 3: together a whole house, like did you guys get brand
Speaker 3: new everything? Like just the value yep, the boxes, Tiffany, Yeah,
Speaker 3: the like we our whole backyard was like covered in
Speaker 3: boxes and packaging, and I felt like we had to
Speaker 3: hire a dump like a special junk company to come
Speaker 3: take away our crap because just like the number of packages,
Speaker 3: like it was crazy. My hands, like your hands don't
Speaker 3: feel the same for like a week. From all that,
Speaker 3: it's just untaping and like screwing gas.
Speaker 1: Yeah, and then just using new things. And I was like, okay,
Speaker 1: I've never used this up in before.
Speaker 2: So you know, you don't realize how used to you
Speaker 2: you are to your stuff. So I'm like using the dishwasher,
Speaker 2: like what am I doing wrong? And I'm like, oh,
Speaker 2: I'm like where's the manual? Then I'm like, you know what,
Speaker 2: where's the YouTube video? Because these days, who wants to
Speaker 2: read a manual? So thank god for YouTube. That's like
Speaker 2: a little pro tip that like if you're using your
Speaker 2: appliances and stuff for the first time and you're like,
Speaker 2: like you don't understand.
Speaker 1: I was.
Speaker 2: I was like on the phone with like like on
Speaker 2: on hold, waiting for Best Buy so I could bust
Speaker 2: and be like my hood is not working. And I meanwhile,
Speaker 2: then as I was like waiting, I watched the YouTube video.
Speaker 2: I was like, you pressed the wrong button. I was like,
Speaker 2: let me hang out.
Speaker 3: Yeah, I'm boss. Bless the people who take their time
Speaker 3: to walk you through how to use the knobs on
Speaker 3: all the appliances. I don't know who they are or
Speaker 3: how they make money, but bless them.
Speaker 1: Why not all heroes were capes? Well? What else is
Speaker 1: going on in the world? And pains?
Speaker 2: Oh?
Speaker 3: You know, that's all I got. I'll get to my brow.
Speaker 3: You can just hear that the tone of my voice.
Speaker 3: I'm gonna have a brown break for later. But no,
Speaker 3: things are good. I think summertime is hitting generally the workforce.
Speaker 3: I work with a lot of We have a staff,
Speaker 3: but we also rely on contractors and freelancers a lot.
Speaker 3: And every summer they start to slip and the work
Speaker 3: gets a little bit worse and they stop. This isn't
Speaker 3: my break, but I'm just you know, I have multiple
Speaker 3: breaks today. Yeah, So that's what I've been dealing with,
Speaker 3: is like the free and it's not just at work either,
Speaker 3: freelancers And I understand because your freelancer, your time is
Speaker 3: your own. You know, we're not your boss ultimately, so
Speaker 3: you can start to slip if you want. It's a
Speaker 3: bad way to keep clients, I would say, but it
Speaker 3: happens like clockwork every summer, every Christmas holiday time. But
Speaker 3: I've noticed, like with our dog walkers. I've been using
Speaker 3: the dog walking app Wag. I've talked about it before,
Speaker 3: and I cannot keep a dog walker, like they just
Speaker 3: canceled all the time. Today I had to run home
Speaker 3: because the one dog walker just didn't show up at all.
Speaker 3: And usually they're quick about finding a replacement, like a
Speaker 3: sub but then that one didn't show up. And then
Speaker 3: my poor dog and I was in meetings back to
Speaker 3: back and it wasn't until four o'clock when I was like,
Speaker 3: I haven't gotten my Wag alert, where is Mollie? And
Speaker 3: poor baby was in her room all day? And I
Speaker 3: felt so guilty. And I know, like my friends who
Speaker 3: leave their dogs at home all day are like, what
Speaker 3: stop beating yourself up? Like we leave our dogs at
Speaker 3: home for twelve hours. But I just I just feel
Speaker 3: so bad. You know, I really want to give her
Speaker 3: the life she deserves.
Speaker 2: So it is it like so when you lead them
Speaker 2: home right so they know, like Molly knows not to
Speaker 2: go in the house.
Speaker 1: So she's just holding it. That is that the issue?
Speaker 3: Well, today, of course she pete because she was alone
Speaker 3: for way too long, and she's so used. She's almost
Speaker 3: like a toddler. You know, she's on a schedule. I
Speaker 3: p a two outside, but there was no two pm
Speaker 3: dog walker today. I don't know how long she held it.
Speaker 3: I haven't watched the tapes back, but she I know
Speaker 3: she held it all day and at least she didn't
Speaker 3: go number two.
Speaker 1: It's fine. I just felt so bad.
Speaker 3: I was like, I know you had to go my Okay,
Speaker 3: I'm not gonna do my ca but.
Speaker 1: Mean while moll is like I did go and I'm fine.
Speaker 3: I know she's like, give me a treats. So I
Speaker 3: made sure I gave her the good the good kibbles.
Speaker 3: And you know, I'm just being ridiculous. But you know,
Speaker 3: it's hard even just being a dog parent. It's uh,
Speaker 3: you know, it's hard times.
Speaker 1: Yeah, no, it's yeah. I can't imagine.
Speaker 2: Honestly, I had a cat, but I'm like, I just
Speaker 2: can't imagine, Like I feel like cats are so independent.
Speaker 2: I bear did anything. So I can't even imagine like
Speaker 2: the level of because I see like my friends who
Speaker 2: have dogs. I had my friend Katherine was a cat person.
Speaker 2: She had two cats and then like her sister one
Speaker 2: year gifted her this cute little puppy for her birthday.
Speaker 2: She was like, what, I don't even do dogs now.
Speaker 2: She's like, I'm like, where are your cats? She's like who?
Speaker 2: When I tell you, she's like, she has totally become
Speaker 2: a dog person, and she's like, you know, she still
Speaker 2: loves her cats, obviously, but she's like, like, she is
Speaker 2: such a dog mom. She brings a dog to work
Speaker 2: because she's the CEO of a company, so she brings
Speaker 2: a dog to work.
Speaker 1: Everybody knows the dog. All the pictures are dogs.
Speaker 2: I'm like, when I'm on Instagram, I'm like, you are
Speaker 2: such a neglect for mom. Where are the cat pictures?
Speaker 2: Someone like that The cat is randomly in the background.
Speaker 2: She's like, oh yeah, yeah, there he goes, And then
Speaker 2: the dog with his best thought.
Speaker 1: I'm like, you know what, I.
Speaker 3: Just don't love you like a dog? Does you know?
Speaker 3: I feel I did an interview yesterday with this like
Speaker 3: radio show about this study that we do at Magnet Money.
Speaker 3: I don't usually talk about it, or we do so
Speaker 3: many studies. This was one of my favorite that we do.
Speaker 3: It Magnify, and I figured y'all might find it interesting.
Speaker 3: Since a lot of different media outlets are picking it up.
Speaker 1: But every year.
Speaker 3: A couple of years ago, I was like, anytime you
Speaker 3: do a story, but people who earn six figures, just
Speaker 3: something about six figures just sounds like success, right, I
Speaker 3: want to earn six figures. And I was at a
Speaker 3: point in my life a while back where I was
Speaker 3: earning six figures, and I was like, I don't feel rich.
Speaker 3: This doesn't feel like wealth. I still feel like I'm
Speaker 3: paycheck to paycheck now. Granted, you know, I know people
Speaker 3: who earn you know, less than that, and you know
Speaker 3: are thinking, why are you whining? But in a dual
Speaker 3: income household, it's not that far fetch to say you
Speaker 3: earn six figures. All you need is to people earning
Speaker 3: the minim you know, median household income in America, Yeah,
Speaker 3: which is like fifty or fifty six or six, I
Speaker 3: forget if it's fifty six to sixty thousand or something
Speaker 3: like that. So we started looking at where a family
Speaker 3: of three so two earner household with a preschool age
Speaker 3: child in America, where you can earn six figures and
Speaker 3: still feel like you're not making ends meet. And last
Speaker 3: year we did the study this and I think Washington,
Speaker 3: d C. Was the worst place where you had the
Speaker 3: least money left over in your bank account each month,
Speaker 3: or you were going into debt basically to provide like
Speaker 3: normal basic household needs like daycare and your mortgage and
Speaker 3: all that. This year, Washington, DC is number two. San Jose,
Speaker 3: California is number one. Really yeah, California. I mean it's
Speaker 3: not so surprising because you have a lot of like
Speaker 3: West coast, we have San Francisco, San Jose, but then
Speaker 3: the east coast, New York is number eight, and I
Speaker 3: feel it Minneapolis that was actually surprising to me. Minneapol
Speaker 3: number ten. Yeah, people only have in Minneapolis, a family
Speaker 3: only has about one hundred and fifty bucks left over
Speaker 3: when accounting for all those expenses. Yeah, so Honolulu coming
Speaker 3: in at number six. It's you know, a lot of places,
Speaker 3: and it's not just about the places where there's a
Speaker 3: negative balance left over at the end of the month,
Speaker 3: which was seven out of the metro areas we looked at,
Speaker 3: but it's also just like the places where you have
Speaker 3: one hundred dollars, two hundred dollars, three hundred dollars left
Speaker 3: over in the bank, and you know that's when you
Speaker 3: can feel like I'm doing everything right and there's just
Speaker 3: not anything left over, you know, to invest or to
Speaker 3: save or to save for a house or pay off
Speaker 3: the debt and things like that.
Speaker 1: That's the part that always is so disheartening for me
Speaker 1: is that I see so many people who are doing
Speaker 1: everything right, Like they're you know, they're not buying the latte,
Speaker 1: you know, they're not or.
Speaker 3: The Oto toasts, that's right, Like.
Speaker 2: You know what I mean, They're not splurging, you know,
Speaker 2: I mean, they're not living like you know what I
Speaker 2: call the noodle budget, which is when you just eat
Speaker 2: Gramma noodles. You know, they're not doing that, but you know,
Speaker 2: but they're there, and and still it's really not enough.
Speaker 2: They're like, so how am I supposed to manage and.
Speaker 1: Do all of this? And honestly, I'm like, I don't know.
Speaker 1: That's the part that you.
Speaker 3: Know, honestly like that I was, I was talking, and
Speaker 3: I'm like, at a certain point, like if you're living
Speaker 3: in a place where the dollar like your dollars either,
Speaker 3: you know, we can say things like try to earn
Speaker 3: more money, try to increase your finances, but when you're
Speaker 3: in a place where the cost living is so high
Speaker 3: and it's constantly working against you, and you're not able
Speaker 3: to earn a wage or like an income that makes you,
Speaker 3: you know, feel comfortable. I think by all the time,
Speaker 3: you know, if I weren't earning what I'm already now
Speaker 3: in New York City, I don't know if I could
Speaker 3: have sustained like a comfortable life here. And it's really
Speaker 3: hard to do. Like there's people at my company because
Speaker 3: our headquarters is in Charlotte, North Carolina, people willfully choosing
Speaker 3: to leave New York to move down there because they're like, oh,
Speaker 3: I have a chance to to you know, have you know,
Speaker 3: lower childcare expenses, property taxes, you know those things that
Speaker 3: really eat transportation costs even eat up like that big
Speaker 3: part of your budget. And I see more of my
Speaker 3: friends thinking about leaving New York because of that. How
Speaker 3: can I start a family here?
Speaker 2: Yeah, you're right, Like having a second kid is like
Speaker 2: a or even just one is it seems like a
Speaker 2: like a luxury because you're like, I mean, I don't,
Speaker 2: I honestly as you you know, how like you don't.
Speaker 2: It's not until you get older that you still you
Speaker 2: start to really marvel at your parents because you're like,
Speaker 2: how in the five my gi, I'm like, really, Arondie
Speaker 2: and Sylvia five in New Jersey, I don't, honestly I do.
Speaker 1: And my mom is like she's like everything, like she's like,
Speaker 1: I don't know, like the way my dad even got
Speaker 1: our house, yo.
Speaker 2: One of the things like like I hope to like
Speaker 2: if I could, if I could, if I could pray
Speaker 2: and ask for anything, it would be like the tenacity
Speaker 2: of my father because like like he wanted us. We
Speaker 2: were living in Roselle. I think by then. I don't
Speaker 2: know if Lisa was born here. I think she was,
Speaker 2: but so.
Speaker 1: But he realized, okay, like we were in a.
Speaker 2: Private school, well Catholic school, which wasn't super super expensive,
Speaker 2: but enough to be like, yo, there's too many girls here.
Speaker 1: Somebody something has to give.
Speaker 2: Either we spend the money on school because like in Rosella,
Speaker 2: the public schools weren't that great, or we spend the
Speaker 2: money on taxes. So my dad had done all this
Speaker 2: research on like what you know what New Jersey towns had,
Speaker 2: like the best public school, so he would just pay
Speaker 2: the taxes found Westfield, which taxes are relatively high, but
Speaker 2: the school system is extremely great, but to get our.
Speaker 1: House, they didn't want like hit like what he and
Speaker 1: my mom made.
Speaker 2: My dad's in the count and our mom is a nurse,
Speaker 2: I mean decent money, but they like he couldn't get
Speaker 2: a mortgage anywhere. He finally had to show I don't
Speaker 2: even know what made my dad think they think, think
Speaker 2: of this, but we he was building a house in
Speaker 2: Nigeria and it's a big, beautiful, huge house, and but
Speaker 2: of course it doesn't it's like dwarfs in the like
Speaker 2: for the price of what you could build in Nigeria.
Speaker 2: Somehow he brought the plans and proof that he was
Speaker 2: building the second property to the bank and from there,
Speaker 2: I guess they kind of like were like, oh, well,
Speaker 2: you have more money than we thought. I have to
Speaker 2: ask my dad the exact story, but that's how he
Speaker 2: was able to secure mortgage because he was able to
Speaker 2: kind of prove like, although it seems like we don't
Speaker 2: have a much, look we're building a second home, so
Speaker 2: we do have money. And somehow whatever the mortgage loan
Speaker 2: officer I don't even know the underwriter agreed and we
Speaker 2: got our house in Westfield and now, like what they
Speaker 2: got the house in Westfield for now seems like pennies.
Speaker 2: At the time, he was like all of his friends
Speaker 2: were like, Yo, you're bugging that house is way too expensive.
Speaker 1: How are you going to manage?
Speaker 2: It was two twenty five or two fifty, which like
Speaker 2: for like it's five bedroom, three full back, two kitchens,
Speaker 2: so you know, but back then it.
Speaker 1: Was like they're over over thirty.
Speaker 2: It was about thirty years ago, two fifty or two
Speaker 2: twenty five. That was a lot of money to pay
Speaker 2: for a house. And now, of course the house is
Speaker 2: worth well over like because what sold such a great town,
Speaker 2: it's worth about maybe seven and seven fifty, but just
Speaker 2: a wherewithal to Like sometimes you know, you get a
Speaker 2: know and you have to creatively show that you are
Speaker 2: credit worthy and that my dad just you know, had
Speaker 2: the wherewithal to be like, no, I'm going to show
Speaker 2: them that I am credit worthy because I want my
Speaker 2: kids to grow up and go to a really good
Speaker 2: school system. But I know we cannot afford to send
Speaker 2: them all to private school.
Speaker 1: But yeah, five, I don't know when I.
Speaker 2: Asked them, because like, I mean, it was six figures
Speaker 2: coming into the house, yes, but six figures is paynuts
Speaker 2: with five kids. It wasn't like they weren't making two
Speaker 2: hundred thousand dollars a year collectively. I would say, you know,
Speaker 2: like maybe I don't know, maybe one twenty, I don't
Speaker 2: even know, but definitely not even close to two hundred thousand,
Speaker 2: but five children years two years apart. So like and
Speaker 2: except for the baby, So can you imagine all those
Speaker 2: dag on teenagers hair clothes.
Speaker 3: Thinking about the childcare? Like, because that's when you look
Speaker 3: at our study. Like, let's take, for example, what's number one,
Speaker 3: I said, San Jose, California. The mortgage payment in San Jose, Uh,
Speaker 3: oh crap, where is it at? It's about twenty seven
Speaker 3: hundred dollars. Childcare is about half that at thirteen hundred
Speaker 3: dollars for one child. So like that's you know, half
Speaker 3: your mortgage payment, and in some places that's like a
Speaker 3: full mortgage payment. And when you have friend, when you
Speaker 3: have more than one child, you're just at it. And
Speaker 3: I know it's a temporary expense, but it's still like
Speaker 3: three years about you know, where you're having to pay
Speaker 3: that each month. And I think that is what can
Speaker 3: really kill can really just kill families if they don't
Speaker 3: have alternative childcare do you know what.
Speaker 1: Your parents did? Did you guys?
Speaker 3: Did you do like the newspaper nanny like my mom did.
Speaker 3: She just found like some lady in the newspaper and
Speaker 3: off one day when I was six years old.
Speaker 1: Well, the lady used to I remember. We used to
Speaker 1: have the lady.
Speaker 2: I remember, I like when we were really little, which
Speaker 2: is so crazy because we lived like in the damn
Speaker 2: near projects. But but having a nanny is not a
Speaker 2: big deal in certain cultures, like that's what we just
Speaker 2: havep OneD. So we had a nanny while we were
Speaker 2: like living in the project.
Speaker 1: She used to come.
Speaker 2: But I remember what I used to love about her
Speaker 2: is that she let me put cheese on my broccoli,
Speaker 2: And I thought that was everything because my mom was
Speaker 2: super like like every like my mom was a nurse,
Speaker 2: so everything we ate was like super bland sometimes and
Speaker 2: I'd be like ugh, like so I was like, I
Speaker 2: get cheese on my BROCLI would miss such as such
Speaker 2: comes So from what I remember, we definitely were in
Speaker 2: daycare because I see pictures, but we also had like
Speaker 2: a nanny, you know, like kind of come to the house.
Speaker 2: I guess to fill in the gap of like when
Speaker 2: my mom left and my dad came back.
Speaker 1: You know, But yeah, I don't. Honestly, I don't. I
Speaker 1: don't know.
Speaker 2: I honestly don't know how because I can remember going
Speaker 2: school shopping and just the amount of money and bags
Speaker 2: we had, and just food shopping. My mom used to
Speaker 2: have to hit specialty stores just to make the most
Speaker 2: of our budget, like a bread, a bread factory, the
Speaker 2: butcher like. She didn't she couldn't just go straight food
Speaker 2: shopping because we had to buy everything in bulk.
Speaker 1: You know, this is before the cost goos of the world. Yeah,
Speaker 1: I don't even know.
Speaker 2: I don't know how you even emotionally care for five kids,
Speaker 2: let alone financially. That's why I honestly like whatever they need.
Speaker 2: My parents are always like you guys are always so
Speaker 2: ghitterous with us.
Speaker 1: I'm like, yo, five, we're here and alive. I don't know.
Speaker 1: Whatever you want is your you want to go to Mexico?
Speaker 1: What do you need, daddy?
Speaker 3: I'm intrigued by I wonder if our listeners, if you're
Speaker 3: you know, I know we have listeners with kids out there.
Speaker 3: Do you use a nanny and are you comfortable? I'll
Speaker 3: keep you anonymous. I'm curious what is a nanny charge,
Speaker 3: where do you live? How much do you pay for
Speaker 3: your nanny? Or like, where do you live and what
Speaker 3: do you pay for daycare? This is when you can vent,
Speaker 3: like vent to us your childcare costs. Because I'm curious,
Speaker 3: both of us thinking about having kids. I think about
Speaker 3: this all the time. I'm like, what am I What
Speaker 3: am I going in for? Because I'm just like terrified
Speaker 3: of how much it costs out here. I just don't
Speaker 3: know what to do. I do.
Speaker 1: Yeah, well, my sister puts, like, so my niece and
Speaker 1: my nephew.
Speaker 2: Now that my nephew pay God is three, he could
Speaker 2: go to daycare becomes preschool and in the state of
Speaker 2: New Jersey, preschool is considered public school. But before that,
Speaker 2: with the two kids, because they're only like a year
Speaker 2: and a half apart, she was paying twenty three hundred
Speaker 2: dollars a month for daycare.
Speaker 1: I was like, yo, what she's like kids two kids?
Speaker 2: Twenty three hundred dollars a month and I don't even
Speaker 2: but thankfully, Like, so, if you're someone who's kind of struggling,
Speaker 2: there's something. My friend Linda is a social worker, and
Speaker 2: she was sharing that there are programs called literally there's
Speaker 2: one called program for parents where you can apply and
Speaker 2: based upon what you make, will they will supplement some
Speaker 2: of that payment, so they'll pay the school directly, so
Speaker 2: they'll look on a sliding scale and they might say,
Speaker 2: we'll pay a thousand of that.
Speaker 1: You know, So don't hesitate to reach.
Speaker 2: Out and apply for programs for parents, because I remember
Speaker 2: when I taught preschool, we did have some parents that
Speaker 2: were using programs for parents, and sometimes they paid all
Speaker 2: of it depending on what you make.
Speaker 1: So there are like.
Speaker 2: Programs out there for child care if you don't make much.
Speaker 2: But yeah, it's so child well, she said, twenty three
Speaker 2: hundred dollars. I was like, so you literally just work
Speaker 2: to put the kids in daycare? She said, just about.
Speaker 3: Somebody out there. I know you can top that. I
Speaker 3: know I got a friend paying more than three grand
Speaker 3: a month for two kids in daycare, so I know
Speaker 3: y'all can adopt that.
Speaker 1: Let me know.
Speaker 3: Also, it's not just like it's not just daycare. It's
Speaker 3: like when you get into preschool or whatnot. Sometimes it's
Speaker 3: after school care you gotta pay for because like preschool
Speaker 3: ends at three thirty and you're still at work till
Speaker 3: six and then exactly. The summertime comes and then it's
Speaker 3: summer camp, and I'm.
Speaker 1: Yes, that's exactly what she's gonna do now.
Speaker 2: She's like, her son is three, so he's out for
Speaker 2: two weeks and then they're like, so who watches him?
Speaker 2: You know, like and then and then on top of
Speaker 2: that he goes back. But it's not it's not it's
Speaker 2: not daycare or what's daycare now? Because like you know,
Speaker 2: public school is quote unquote out, so she's gonna have
Speaker 2: to pay for that.
Speaker 1: So it's just honesty.
Speaker 2: Who children you like, we children are just so expensive,
Speaker 2: like forget clothes and hay, I'm just talking about like
Speaker 2: making sure that you know, you know that you're you know,
Speaker 2: you have someplace somebody.
Speaker 1: Can watch you. It's just yeah, childcare is something else.
Speaker 2: I'm like, it's like one of those guaranteed so it'll
Speaker 2: never go out of business because at some point someone
Speaker 2: has to watch kids.
Speaker 1: You know, any people in the manny that I know
Speaker 1: literally one of the parents.
Speaker 2: I go speaking to a woman today her her husband's
Speaker 2: to stay at home dad now because they did the
Speaker 2: math and they were like, honestly, it actually makes more
Speaker 2: sense for one of us stop working.
Speaker 3: Oh, hell, yeah, no, I you hear that more and more.
Speaker 3: And when you're talking about mortgage payment or no, if
Speaker 3: you're not making more than that mortgage payment each month,
Speaker 3: then yeah. And I'm talking about like how a childcare
Speaker 3: costs can be as much as a mortgage. Yeah, I
Speaker 3: get it. And then it's sad because it's great to
Speaker 3: be as you know, stay at home parents are the best,
Speaker 3: and like, if you really love doing that, that's great,
Speaker 3: but if you're like forced into it financially, then you
Speaker 3: feel like you're putting your career on pause to you know,
Speaker 3: stay at home. And I think we talked to for
Speaker 3: a new Shurabbi about that when she was on the show.
Speaker 3: Sometimes it's like as much as you want to avoid it,
Speaker 3: especially if you want, you know, to have a sustainable career,
Speaker 3: to keep your career going, it can really just like
Speaker 3: delay your own advancement. But yet it becomes a necessity
Speaker 3: because it's like who do I choose my career or
Speaker 3: my kid?
Speaker 1: And of course your comes first, exactly.
Speaker 3: Yeah, So you guys share your stories with us. Your
Speaker 3: our email is Brand Ambition Podcast at gmail dot com.
Speaker 3: You can hit us up and if you're gonna send
Speaker 3: me a long rant, please send it an email. Instagram
Speaker 3: rants are hard to read. I'd be scrolling for hours,
Speaker 3: So email Brando Mission Pocast at gmail dot com. You
Speaker 3: can hit us up with a shorter story at Instagram
Speaker 3: our Instagram handle us at the BA Wait wait no, no
Speaker 3: no at brand and Mission podcast on Instagram. And if
Speaker 3: you have a story, and how many characters is Twitter
Speaker 3: these days? What are we at two hundre or something?
Speaker 3: I forget?
Speaker 1: Yeah? Big?
Speaker 3: Then if you have a very short story, hit us
Speaker 3: up on Twitter at the BA podcast.
Speaker 1: Segway segweg Questions Questions.
Speaker 2: Honestly, questions have started to become my favorite part of
Speaker 2: the BA podcast because you guys ask such great questions.
Speaker 2: Although I will say sometimes you guys will message me
Speaker 2: on on Instagram and sometimes the question is.
Speaker 1: So like heavy. It's literally like, so I'm having open
Speaker 1: heart surgery? How do you do it?
Speaker 2: And you're like what, I can't what Like it's not
Speaker 2: literally like that, but but you know what I mean,
Speaker 2: Like the question is so complex, I'm like.
Speaker 1: This can't possibly be answered on Instagram.
Speaker 3: So, like Brandy said, if you have not the medical
Speaker 3: or you'd be surprised somebody asked me a question the
Speaker 3: other day and it was a great question.
Speaker 2: It was about landlording. I think she was taking over
Speaker 2: an apartment or something like. She had brought like a
Speaker 2: a complex and there were a tenant that the landlord,
Speaker 2: the current landlord didn't want to evict, and was like, hey,
Speaker 2: you have to be the one evicted.
Speaker 1: She was like, is it legal for me to whatever
Speaker 1: the question is?
Speaker 2: And I was like, I don't know. I was like, well, one,
Speaker 2: I don't know what state you live in. There's different
Speaker 2: rights in different states.
Speaker 1: And two, I'm not.
Speaker 2: A lawyer, and three like I don't I'm not a
Speaker 2: real estate I don't contender myself like a real estate expert.
Speaker 2: I mean, I have a house and we have a
Speaker 2: second house, but that doesn't qualify me to be like, ooh,
Speaker 2: what you need to do is? I mean, I always
Speaker 2: appreciate great questions, but sometimes I think you guys give
Speaker 2: me way too much credit. I'm like, uh, two houses
Speaker 2: a genius does not make me. But yes, but I
Speaker 2: love our questions that we get. So what's what are
Speaker 2: the good questions that we have?
Speaker 1: Now?
Speaker 3: How about a housing question to start things off? Since
Speaker 3: you know you love those. This person would like to
Speaker 3: remain anonymous. That's totally fine. Hi, ladies. I'm a new
Speaker 3: listener and I love the podcast. I'm in my late twenties,
Speaker 3: and unfortunately I've missed manage my credit. But I've decided
Speaker 3: to get serious using the combination of bringing an income
Speaker 3: from a side hustle and using the snowball effect to
Speaker 3: pay off my credit debt. I'm confident I can pay
Speaker 3: it off my credit cards and save a decent amount
Speaker 3: in three years, in which I'd be interested after that
Speaker 3: point in buying a home. But would I be eligible
Speaker 3: to buy a home if I've got the funds there
Speaker 3: and I've improved my credit over those three years, or
Speaker 3: do you think the bank will still think poorly of
Speaker 3: me because of my past behavior. By the way, I've
Speaker 3: always paid bills on time. It's just that it's just
Speaker 3: more so that I have a high credit usage. Good question,
Speaker 3: And hey, you're in your late twenties, but you're getting
Speaker 3: your act together. That's pretty much like the pattern for
Speaker 3: most humans.
Speaker 2: Yeah, you know, it's always so crazy to me when
Speaker 2: people like in their twenties are like, oh my god,
Speaker 2: I messed up. My life is over. And I know
Speaker 2: I was there before. I remember being twenty six being
Speaker 2: like I'm so old now. But no, in your twenties,
Speaker 2: you are like super super.
Speaker 3: Time is on your side.
Speaker 2: It is, I mean not that it's not on your
Speaker 2: side of the thirties and forties, but especially your twenty
Speaker 2: that's literally the first decade of like true adulthood. Like
Speaker 2: no one's expecting you to be Albert Einstein when it
Speaker 2: comes to your money. But well, the bank is looking
Speaker 2: for a couple of things right when you're looking when
Speaker 2: you're buying a home. So one, they're looking to see
Speaker 2: just how much debt you already have. Like I'll give
Speaker 2: you example, I was like super good, I had a
Speaker 2: great credit score, all that kind of stuff when I
Speaker 2: bought my condo when I was like twenty five, but
Speaker 2: I had student loan debt and they gave me so
Speaker 2: much trouble even though on everything else I was like
Speaker 2: an A plus.
Speaker 1: So one, they're gonna look at how much debt do you.
Speaker 2: Currently have because banks don't like to see that you
Speaker 2: have a heavy debt burden because they're like, well what
Speaker 2: about us, We want to be your only real heavy
Speaker 2: debt burden. Two, they're looking at your credit score, so
Speaker 2: they're wanting to, you know, your credit score is basically
Speaker 2: like your financial GPA, so they're wanting to know, like,
Speaker 2: you know, have you do basically pay back and so,
Speaker 2: you know, I feel like in the long as long
Speaker 2: as in the last couple of years, you've been pretty consistent,
Speaker 2: So it's not like you've got delinquencies from like six
Speaker 2: months ago. If it's been three years or more, I
Speaker 2: don't know how heavily they'll count that against you. Is
Speaker 2: really what your credit score is going to kind of dictate,
Speaker 2: especially if you've gotten low debt, and especially if like
Speaker 2: the last couple of years, you've been like on point
Speaker 2: with it. And then of course they're gonna want to see,
Speaker 2: like do you have like that down payment, do you
Speaker 2: have money like actual cash like set aside, because it's
Speaker 2: not just your down payment. People forget their closing costs
Speaker 2: that are associated with with with purchasing a house. So
Speaker 2: that's really what they're gonna be most those three things
Speaker 2: are what's gonna be like what they're most concerned with.
Speaker 1: And so as long as those three things are are
Speaker 1: in alignment, you should be okay.
Speaker 2: Banks not that people make mistakes, but really like most creditors,
Speaker 2: mortgage people are are really concerned with what have you
Speaker 2: done most recently because this is this is is that
Speaker 2: this is a snap stop of your current financial character,
Speaker 2: so something from like, you know, years ago, although not
Speaker 2: to say that it's not like they're going to totally
Speaker 2: ignore it.
Speaker 1: But if what you're doing now all sets that you
Speaker 1: still are, you still have a strong there's still a strong.
Speaker 2: Potential that you'll be able to get a mortgage without
Speaker 2: any major issue.
Speaker 3: Yeah, And the key there is that they really are
Speaker 3: looking at what's happened in your life the last twelve months.
Speaker 3: Especially so if you're you know, you're looking three years
Speaker 3: down the road. You can have this debt paid down.
Speaker 3: You're going to get those balances down as long as
Speaker 3: you don't rack up that credit card debt behind after
Speaker 3: you make those payments, which it can be tempting to do.
Speaker 3: Once you finally got your cards paid off, just be
Speaker 3: really diligent about getting your usage down as low as possible.
Speaker 3: And in three years, you know, I don't see why
Speaker 3: you would have a problem, especially if, like you said,
Speaker 3: you haven't been delinquent on your payments. You're probably just
Speaker 3: racking up debt and making the minimum payment on time,
Speaker 3: you know, and keeping your credit in good standing. But
Speaker 3: what could kill you is is the credit utilized rate,
Speaker 3: So how much credit you're using versus how much credit
Speaker 3: you have. So as long as you've got that taking
Speaker 3: care of and you've got a plan to pay it down,
Speaker 3: which it sounds like you do, you know, you should
Speaker 3: be You should be in good shape. Just be careful
Speaker 3: about racking of debt the year you're about to get
Speaker 3: a mortgage, opening up new credit, the year you're gonna
Speaker 3: have a mortgage, that's a big red flag. A lot
Speaker 3: of people think, oh, I'm gonna get a mortgage. I
Speaker 3: need to show the bank I can do this. Let
Speaker 3: me get a new credit card, or I'm gonna get
Speaker 3: a mortgage, let me go ahead and take out a
Speaker 3: you know, finance some new furniture. And that can really
Speaker 3: screw up your application because one, it adds debt to
Speaker 3: your to your debt to income ratio, which is how
Speaker 3: much debt you have versus how much income you have
Speaker 3: coming in. And if it's happening during the underwriting process,
Speaker 3: like when you're already applying with the bank and they're
Speaker 3: vetting you out, it can like freak them out. Oh no,
Speaker 3: this person is not you know, is inconsistent or you know,
Speaker 3: they're not financially stable enough to not need credit right now,
Speaker 3: so they're taking out new credit and it can throw
Speaker 3: a wrench in your and your whole plan. So just
Speaker 3: be cautious. It sounds like you're on the right track,
Speaker 3: my friend.
Speaker 1: Yeah, no it does.
Speaker 3: And thank you for your question. Appreciate that. Let's go
Speaker 3: switching over to the email inbox. That question was from Instagram.
Speaker 3: Let's see, Oh emergency fund question, So this comes from listener.
Speaker 3: Let me see if she want to be anonymous. Nope, Paulette,
Speaker 3: Hey ladies, apologies if you already answer this question. But
Speaker 3: how do you come up with the magic number for
Speaker 3: the amount of money to save for an emergency fund?
Speaker 3: And where do you save it?
Speaker 2: Keep up the great work, so paultte pat of me.
Speaker 2: You see my Spanish there, call me Corey Booker and
Speaker 2: whatever the guy's first name is.
Speaker 1: You see the silence, Shaye, I can shave Corey he
Speaker 1: you know, yes? Right? Yeah?
Speaker 2: First of all, did you see Corey's face when he
Speaker 2: started speaking Spanida and she was like, wait, that was
Speaker 2: gonna be my thing?
Speaker 1: Like it was hilarious, but everyone who I.
Speaker 2: Know speak Spanish was like, yo, it was the worst
Speaker 2: display of that language I've ever seen.
Speaker 1: Yeah.
Speaker 2: So anyway, so for me, I like to three or
Speaker 2: four months is enough for me. But it depends what
Speaker 2: industry that you're in and how quickly you could recover
Speaker 2: from basically job loss.
Speaker 1: That's what I like to use as a measuring stick.
Speaker 2: So one of my sisters is an engineer, so if
Speaker 2: she would have lose her engineering job, it's not super easy,
Speaker 2: especially for a black woman, to secure another engineering job,
Speaker 2: so she might need like a year. My mom when
Speaker 2: she was a nurse, she's now retired. Honestly, I remember
Speaker 2: when her hospital closed down and nurses are still in
Speaker 2: high demand that she had a job before the hospital
Speaker 2: had even fully closed because nurses were in such high demand.
Speaker 2: I mean she had like ten hospitals. Like I remember
Speaker 2: every day they were calling the house like is your
Speaker 2: mom home?
Speaker 1: Is your mom home?
Speaker 2: So for her, a couple months is more than enough
Speaker 2: because she could replace that income.
Speaker 1: So really, how quickly could you replace your income in
Speaker 1: your industry?
Speaker 2: And yeah, and I like to save my savings in
Speaker 2: an online only savings account. I always direct people to
Speaker 2: Magnify Money Mandy's company. Well, I know it's not her company,
Speaker 2: but you know what I mean. There to magnify Money
Speaker 2: dot Com because I like to find an online only
Speaker 2: savings account and I at the banks. I one, you
Speaker 2: look for an FDIC inshored bank. Two highest interest rate,
Speaker 2: three lowest required deposit, and then four you're also going
Speaker 2: to make sure that that interest rate like doesn't go
Speaker 2: down if you don't have a certain amount, because there
Speaker 2: a certain banks where it's like, in order to earn
Speaker 2: this interest rate, you have to have like twenty five
Speaker 2: thousand dollars in our bank and maintain that balance.
Speaker 1: So yeah, I mean, I think.
Speaker 2: Like I said, three months or above, depending on what
Speaker 2: industry you're in. And I like online only banks, and
Speaker 2: I always go to Magnify Money when I'm looking for
Speaker 2: an online only bank, and I don't open up a
Speaker 2: checking account with that bank because I want that the
Speaker 2: way I can get my money is to transfer back
Speaker 2: to my regular brick and mortar bank because there's like
Speaker 2: a delay of about twenty four to forty eight hours
Speaker 2: that stops me from overspending.
Speaker 3: Yeah, I mean, the key with an emergency fund as
Speaker 3: far as where to save it is you know, there's
Speaker 3: an emergency fund, which is like you know, your car
Speaker 3: breaks down the middle of the road and you need
Speaker 3: money transferred over, or your roof brain your roof collapses
Speaker 3: and you need a hotel for the night or something
Speaker 3: like that. And for that, I would say, keep it
Speaker 3: in an account that you can access immediately. Like you know,
Speaker 3: even if you have to have one small emergency fund
Speaker 3: tied to an account that you know, you can go
Speaker 3: to the ATM and pull it out, which that applies to
Speaker 3: online banks too. You know, I have ally, I have
Speaker 3: a debit card. I can go to ATM and withdraw
Speaker 3: from my savings if I need to. And then if
Speaker 3: you've got you know, you want an emergency fund for
Speaker 3: like like TIF said, the big things job loss, illness,
Speaker 3: medical debt, things like that. You know, definitely keep that
Speaker 3: where you can earn the highest rate, even if it's
Speaker 3: a little bit more inaccessible, because you won't need to
Speaker 3: access it, you know, within an hour or something if
Speaker 3: something crazy happens. But since we're talking about like savings
Speaker 3: and stuff, you know, the FED is looking like they're
Speaker 3: going to be potentially lowering rates and I heard yeah,
Speaker 3: and some some banks like I got an email from
Speaker 3: Ally that their savings rate is going down, not a ton,
Speaker 3: I think it's going from two point two percent ap
Speaker 3: Y to two point one percent ap Y, but just saying,
Speaker 3: like the period and that's about savings rates, you can
Speaker 3: probably expect to see rates fall if FED do, If
Speaker 3: the FED does cut deposit rates, rates fall on things
Speaker 3: like CDs as well. So we're just kind of entering
Speaker 3: this new period where for so long it's been the
Speaker 3: online banks competing and ratcheting up their rates and giving
Speaker 3: people higher and higher returns, and you know, I don't know,
Speaker 3: it seems like that might be slowing down a little bit,
Speaker 3: which just means it's even more important to shop around,
Speaker 3: like Tiffany said, and make sure you're getting the best
Speaker 3: deal because there are still some places out there that
Speaker 3: are giving higher rates.
Speaker 2: Just be mindful because sometimes like like like Ally, that's
Speaker 2: my bank as well, But so sometimes like they're definitely
Speaker 2: banks that give more than Ally, but they're like those
Speaker 2: kind of like you know, these are like kind of
Speaker 2: like introductory rates, so you know, you're like, oh, yay,
Speaker 2: they're giving me two point five to allies two point two.
Speaker 2: But then if you really look at the fine print,
Speaker 2: you're like, oh, for the first six months or for
Speaker 2: a year or whatever that is. So you're gonna want
Speaker 2: to look for a bank that will steadily give you
Speaker 2: that that that rate, and you're not because you don't
Speaker 2: want to. And I used to do that. I used
Speaker 2: to bank hop like a lot, and honestly, it's too much.
Speaker 2: So I really wanted to stick with the bank that
Speaker 2: you know, had like a steady, sure interest rate that
Speaker 2: wasn't fluctuating like months a month.
Speaker 1: You know.
Speaker 3: No, that's a really good point.
Speaker 1: You are smart. I'm smart.
Speaker 3: So sometimes you need a next you want to take
Speaker 3: one more question on Oh, no, gotta go.
Speaker 1: I gotta got my dog.
Speaker 3: You know, my dog, my dog, mom guilt. But thank
Speaker 3: you guys for your questions. We'll get to more next
Speaker 3: week again. Go to Brandambission podcast dot com to click
Speaker 3: the ask us anything tab that I'll send us an email.
Speaker 3: You can email us directly Brandimbision Podcast at gmail dot
Speaker 3: com or yes, or go to Instagram and uh direct
Speaker 3: or what do you call it? Da?
Speaker 1: Sorry?
Speaker 3: Direct message us? GotY d m us.
Speaker 1: I know you already knew.
Speaker 2: I was like, give me that card back, give me
Speaker 2: that millennial card.
Speaker 1: Beck send us an.
Speaker 3: Insta mail at the Graham We're at Brown Ambition Podcast.
Speaker 3: Can't even get the name out at Brandon Vission podcast
Speaker 3: on Instagram. I also love when you guys share that
Speaker 3: you're listening to the show. And I actually did a
Speaker 3: better job sharing y'all stories last week. So let us
Speaker 3: know when you're listening to the show on your Wednesday commute,
Speaker 3: take a snapshot of your favorite part of the show
Speaker 3: or yourself listening, whatever you want to do, and we'll
Speaker 3: share it. It could be one big brand ambition party.
Speaker 2: Yes please yes tag tag tag because I love clicking
Speaker 2: the reshare button.
Speaker 1: Now it's Tampa Winds. Oh no, Oh my gosh, yo,
Speaker 1: that was a throwback.
Speaker 2: That was Brown Break, Rock Boost, Brown Break or Brown Boost.
Speaker 2: I feel like we do like more more boost, which
Speaker 2: is great and breaks, which are you know, I mean
Speaker 2: they're great too, but you know, I feel like, thankfully
Speaker 2: we do more wins.
Speaker 1: So are you gonna break?
Speaker 3: Are you gonna boost? I am gonna do I know
Speaker 3: I said I was going to do a break. I
Speaker 3: kind of have done enough winding for one episode, though,
Speaker 3: so I'm gonna flip it because as I was sitting here,
Speaker 3: I was feeling warm and fuzzy because my my neighbors. Honestly,
Speaker 3: you know, I've been in the burbs for about a
Speaker 3: year now, technically about six months because we were out
Speaker 3: for the renovation. But I have just you know, we
Speaker 3: just found this little, this little stretch on our little
Speaker 3: block where the people on either side of us are
Speaker 3: just so nice. And they have been the people who
Speaker 3: I can call and text when our dog walker bails
Speaker 3: and we need someone to let our dog out, or
Speaker 3: you know, if we have a package that we don't
Speaker 3: want on our doorstep and they can bring it in,
Speaker 3: and they are just the sweetest people. So shout out
Speaker 3: to people who have good neighbors and getting to know
Speaker 3: your neighbors. It was a little awkward at first. It's
Speaker 3: way more awkward, I feel, well, actually it was awkward
Speaker 3: in the city too, Like in apartments. I feel like
Speaker 3: I never knew my neighbors. It's a little awkward to
Speaker 3: like get to know other grown adults living their life.
Speaker 3: But I'm so happy that we have because they've been
Speaker 3: we don't have anybody else out here, Like we're probably
Speaker 3: twenty minutes from our closest relative, and they have kids
Speaker 3: that you know, need their attention, so they can't come
Speaker 3: to our rescue all the time. So we've really leaned
Speaker 3: on our neighbors lately and they've saved our butts on
Speaker 3: multiple occasions. And just got a text from a neighbor
Speaker 3: ar Nando, calling him out his teenage son is going
Speaker 3: to be Molly's dedicated dog walker. Wooo that summer yay.
Speaker 3: I'm just like, please, someone, please, Molly is the best dog.
Speaker 3: Please someone treat her right.
Speaker 1: Oh that's awesome. So yeah for neighbors, Yeah, yeah, for neighbors.
Speaker 2: Well, I've got a brown break in a brown booth.
Speaker 2: So brown break first is for professional comparison.
Speaker 1: So I don't know. Lately, I don't know.
Speaker 2: Lately, I've been like, you know, like all the socials
Speaker 2: and usually I'm not, but like, you know, just I
Speaker 2: I unfood followed a bunch of folks who like do
Speaker 2: basically the same thing I do, like even though like
Speaker 2: we're cool in real life. Because I had like this
Speaker 2: really bad habit of like professional comparison and then using
Speaker 2: it as a way to be like.
Speaker 1: Tippany, you're not doing good, you know.
Speaker 2: But I found myself like I was, you know, So
Speaker 2: I found myself like I was like, I could totally
Speaker 2: follow people like again, it's not a big like you know,
Speaker 2: these are like my actual real like financial friends.
Speaker 1: So I call my financial friends. So like we talked
Speaker 1: on the phone, we kind of connect and I was like, oh,
Speaker 1: I'm not following, so I need to follow such and such. Shah.
Speaker 1: I don't follow so fast on follow.
Speaker 2: Because I realized I'm not over the professional comparison like thing.
Speaker 2: And I'm like, you know, and even though I know
Speaker 2: I'm doing well, I don't think I'm not doing well.
Speaker 2: But then you know, you start saying, oh, man, did
Speaker 2: I miss out on an opportunity?
Speaker 1: Or ooh should I do that too?
Speaker 2: Or dang, you know, you know, everyone seems to have
Speaker 2: been chosen for a certain campaign.
Speaker 1: They didn't choose me. No one called me.
Speaker 2: I'm like, oh my god, Symphony, honestly, are you five now?
Speaker 2: So yeah, I don't if you guys have any tips
Speaker 2: about how to get over it. Maybe there is nothing,
Speaker 2: no way I don't know about how to get over
Speaker 2: kind of like like not even well, cause I feel
Speaker 2: like in my personal life I don't do that, but
Speaker 2: definitely professionally I find myself doing that using sometimes other
Speaker 2: people's moves to measure whether or not I'm doing a
Speaker 2: good job or not, and I don't want to do that.
Speaker 2: That's why I said I unfollowed basically like all my
Speaker 2: real life financial friends and folks that do the same
Speaker 2: thing as me, because I couldn't seem to get past
Speaker 2: like like looking.
Speaker 1: At being like, oh dad, what does that say about
Speaker 1: where I am?
Speaker 2: And you know, because I know, like I know I'm
Speaker 2: doing whused in preschool teacher for goodness sake, not that
Speaker 2: that's like something bad, but from where I was to
Speaker 2: where I am now, of course I know that. You know,
Speaker 2: I'm proud of myself and I'm doing well. That's why
Speaker 2: I hate when I look at something and someone's killing
Speaker 2: it and I'm like, yes, go girl, you killed it,
Speaker 2: and then this other voice comes in and says, are.
Speaker 1: You killing a Tiffany? He's killing it. God.
Speaker 3: It just reminded me this meme that I that Vial
Speaker 3: with Davis shared yesterday. It was like this evil It
Speaker 3: was like evil Barbie whispering and good Barbie's ear. Anyway,
Speaker 3: what I'll say is I think it's human nature to
Speaker 3: compare ourselves and the thing about being an adult that's
Speaker 3: so damn hard is that the measuring sticks are gone.
Speaker 3: Like when you were in school, I was hella competitive.
Speaker 3: I knew there was a list people got grades, You
Speaker 3: got GPA's, there was a valedictorianus lutatorian. You know, you
Speaker 3: got awarded every four years for graduating. They were gold
Speaker 3: stickers and ribbons and awards ceremonies, and you always kind
Speaker 3: of knew where you were at with your peers, and
Speaker 3: you could compare yourself and strive. And I think competition
Speaker 3: makes you better in that way. When you're an adult,
Speaker 3: Like we're all out here living own lives, there's no
Speaker 3: one measuring stick, and it gets hard, and like Instagram
Speaker 3: and social has become that measuring stick. But it's so
Speaker 3: ineffective because it's biased. Obviously the other person is only
Speaker 3: posting the highlight reel and it's it's it's just toxic.
Speaker 3: And you know that's why that's a big part of
Speaker 3: way I've pulled away from Instagram the past year and
Speaker 3: a half. You know, career be damned. I'm sorry, I
Speaker 3: I don't. I just my mental health and just my
Speaker 3: own self worth came into play. And I think if
Speaker 3: you if you need social media for your career as
Speaker 3: much as you can just try it, like the way
Speaker 3: that you've unfollowed people like thinking of ways to protect yourself.
Speaker 1: Yes, and that's what I've done.
Speaker 2: I'm like, so like one, I don't like I I
Speaker 2: you know, I don't I get the job done and
Speaker 2: what I need to do on social I do a
Speaker 2: lot of like in my team does a lot of scheduling,
Speaker 2: so that way it's like it's out, but I don't
Speaker 2: have to necessarily let go. And what I I started
Speaker 2: to do on Instagram with has helped a lot.
Speaker 1: Is I used to.
Speaker 2: Follow, like, you know, like professionally like follow, and I
Speaker 2: still do somewhat like business accounts, but I follow way more.
Speaker 1: I love old homes.
Speaker 2: I follow way more historic houses and like interior design
Speaker 2: and like all this other stuff that so I can
Speaker 2: when I go on Instagram, I'm flooded with like eighty
Speaker 2: percent like stuff that like, you know, I'm wanting to see,
Speaker 2: not stuff that's going to make me say like ooh girl,
Speaker 2: like such and such. You know, I don't know got
Speaker 2: booked to do the you know whatever your like your
Speaker 2: favorite bank or whatever. How come you didn't get booked?
Speaker 2: So I don't get this I don't see that as much.
Speaker 2: But I guess what the part that's hard for me
Speaker 2: is that I wish I.
Speaker 1: Didn't feel like that.
Speaker 2: It's like, well, what, you know, like what can I
Speaker 2: What exercises can I do?
Speaker 1: What mental exercises can I do?
Speaker 2: That way I can follow folks and not feel like,
Speaker 2: you know, not use it as a reason to be
Speaker 2: like Tiffany, you could definitely do be doing better. And
Speaker 2: I'm like when I know that, you know, I like
Speaker 2: where I am. You know, I'm happy where i am.
Speaker 2: I'm proud of how far I've come. So that's that's
Speaker 2: the brown break. It's figuring out what does that like what?
Speaker 2: I don't know if anyone's kind of like cracked the
Speaker 2: code on, you know, letting go of that comparison. Like
Speaker 2: they say, comparison is the thief of joy child. There
Speaker 2: is nothing more true. So but then and then my
Speaker 2: my brown boost is just the ring. So we have
Speaker 2: the ring. We finally have internet, and so the ring
Speaker 2: doorbell is everything. Okay, let me tell you I was
Speaker 2: in the office today, working in my new office and
Speaker 2: my new house, and I you know, got a little notification.
Speaker 2: It was the Amazon people, and I could see the
Speaker 2: girl who very roughly threw my box but whatever, but
Speaker 2: threw it on the front porch and I was able
Speaker 2: to go downstairs and get it right away, versus like
Speaker 2: not knowing when something was delivered.
Speaker 1: So I love this ring app. It is great.
Speaker 2: Like I could see when Superman is coming home, I
Speaker 2: could see when anyone comes on the front porch and
Speaker 2: it just shows like the ring app also connects to
Speaker 2: something called Neighbor next Door or something like that where
Speaker 2: I can see like other people's ring stuff that they post.
Speaker 2: So if there's like like there was a kid that
Speaker 2: was like checking everybody's car doors a couple of nights ago,
Speaker 2: I guess looking for change, and so like you can
Speaker 2: kind of see, like you know, just be mindful everybody
Speaker 2: lock your car doors. So I love this ring And
Speaker 2: I know that the ring guy was on Shark Tank
Speaker 2: and I think he got like the nied and of
Speaker 2: course now it's like a huge business, but honestly, the.
Speaker 1: Ring is everything.
Speaker 2: Get it ring everything anyway, that's my brown BOOST love it.
Speaker 3: We're a nest, We're a nest family out there, so
Speaker 3: there's so many new systems out there, and I love
Speaker 3: I just love having surveillance on all my my little
Speaker 3: tiny house, which feels kind of ridiculous, but it gives
Speaker 3: me a peace of mind. You feel isolated in the suburbs.
Speaker 3: It's quiet out here.
Speaker 1: Mm hmm.
Speaker 3: Like my first few months living in this house, I
Speaker 3: was terrified at night, and.
Speaker 1: I remember, I remember, yeah, and I.
Speaker 3: Felt like such a big baby, and I remembered as
Speaker 3: a child. I was really spooked out too by all
Speaker 3: the noises in my house. But yeah, it gives you
Speaker 3: that piece of mind. And a dog helps too, So
Speaker 3: I'm on team get a dog.
Speaker 2: That's true, because you run up in there with a dog.
Speaker 2: I don't care how cute and color of your dog is.
Speaker 2: That dog will give you the business.
Speaker 3: That's great.
Speaker 1: Well, it's been awesome as per you. Let's do this
Speaker 1: again next week, shall we?
Speaker 3: I mean, why not. Let's keep it going, keep the
Speaker 3: party going. Good luck with the new house. Can't wait
Speaker 3: to see it.
Speaker 1: Yes, I know, so many thanks by all right, y'all,
Speaker 1: We will talk to you next week. Thank you for
Speaker 1: joining Brand and Bishen. As per usual, it.
Speaker 3: Was Spanish audios Whish, which was like Arnold Schwartzenegger's. It
Speaker 3: was like Arnold Schwartzenigg Louigo Rosario Dawson was like Obay.
Speaker 3: We worked on this