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Speaker 1: Hey, hey, hey, I'm tired.

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Speaker 2: How are you now on this beautiful spring day?

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Speaker 1: Oh my god, can you be tired? I spent the

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Speaker 1: afternoon with both of my parents at the same time.

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Speaker 1: I was like, is this what it feels like to

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Speaker 1: be an only child? I don't like it. Like I

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Speaker 1: was literally sitting between them and I was like, oh mg,

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Speaker 1: oh so, but you know what I did the impossible.

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Speaker 1: I got them both on the same page as it

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Speaker 1: relates to retirement and estate planning. I couldn't believe it.

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Speaker 1: I'm like, I am a miracle worker.

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Speaker 2: Wow, that is an achievement.

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Speaker 1: Yeah. Well, because what happened was so, hey, guys, I'm sorry,

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Speaker 1: I'm Tiffany.

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Speaker 2: I'm not sorry, but I'm Dandy and we are brown

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Speaker 2: and we really worked on that intro. You guys impressed.

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Speaker 1: My dad was like, hey, there's this this app ways

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Speaker 1: w a Z you know, the the GPS app ways ways?

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Speaker 1: And then also too, there's this app. My sister was

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Speaker 1: telling him about some stock that she bought. They just

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Speaker 1: had IPO drop on Friday, and she just thought it

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Speaker 1: was a good stock and I like it too, And

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Speaker 1: so she was telling him. Because my dad has been

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Speaker 1: an investor for a long time. He just is not

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Speaker 1: like an investor on his phone, so he didn't know, like, wait,

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Speaker 1: there's like apps that you can do on your phone.

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Speaker 1: And he was like, come to the house tomorrow. Your

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Speaker 1: sister tried to explain it to me, but she wasn't clear.

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Speaker 1: You're a business woman, I'm sure you'll make it better.

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Speaker 1: I'm like, oh my god, yes, And you know when

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Speaker 1: you get summoned, do you have to count? So when

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Speaker 1: I came, the living room was all set up for

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Speaker 1: like a guest. I was like, who's coming. He's like,

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Speaker 1: you sit right here. He's liked, wait, let me wake

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Speaker 1: your mother. She told me. She told me to wait.

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Speaker 1: When you got here, I said, oh, what's happening? Like

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Speaker 1: usually this kind of thing doesn't end well. It usually

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Speaker 1: like we need you to cut your hair, or where's

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Speaker 1: my grandchild? Or how come you're not married? So it

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Speaker 1: was a weird, you know, but it was really pleasant

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Speaker 1: and I was like, oh wait, I'm not in trouble

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Speaker 1: for the first time. So first they made them maybe

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Speaker 1: show them how to get the robin hood app there

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Speaker 1: from me while I look at my mother like, ma'am,

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Speaker 1: you've never bought like a whiff of a stock and

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Speaker 1: she says like, I want to try it. I'm like,

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Speaker 1: oh my god. So I didn't know that they didn't

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Speaker 1: have online banking, so we had to go back five

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Speaker 1: steps just to get to the one step. After an

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Speaker 1: hour and a half, they were both up and running

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Speaker 1: on Robinhood and then they're like, wait before you leave,

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Speaker 1: we heard that there's GPS available on your phone. I'm like,

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Speaker 1: who are you people? So another thirty minutes later, I

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Speaker 1: had to teach them. I had to download ways on

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Speaker 1: their phone and teach them how to how do you

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Speaker 1: use it? And I thought, you know what, this is

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Speaker 1: a good time because my mom, you know, is wanting

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Speaker 1: to retire and my dad had My dad is a

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Speaker 1: is a c what was a c PA and a CFO,

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Speaker 1: and so he had a whole financial plan set aside

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Speaker 1: for them. But my mom actually wants to retire a

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Speaker 1: year earlier and she's pretty determined. So because of that,

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Speaker 1: they work on the same financial page. And so she

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Speaker 1: was like, come and like, you know, help daddy, like

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Speaker 1: understand that I don't want to go back to work.

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Speaker 1: And so I talked to them about it. Today. I

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Speaker 1: talked to them, I'm about state planning. And honestly it

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Speaker 1: was great, Like it was at the end and they

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Speaker 1: were all excited and giddy and they're like, I feel

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Speaker 1: like we had like a great technology lesson. I was like, Oh,

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Speaker 1: while you're feeling happy, you know, I spoke to an

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Speaker 1: state planner. I'm a state attorney and I'd love for

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Speaker 1: her to come by so we can talk about long

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Speaker 1: term healthcare. We could talk about your insurance, we could

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Speaker 1: talk about you know, your will and updating it. And

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Speaker 1: my dad said okay, and I said also too. You know,

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Speaker 1: mommy has a new retirement expert that she's working with

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Speaker 1: as far as her financis. He's a CFP financial advisor,

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Speaker 1: but he specializes in a baby boomer is transitioning into retirement.

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Speaker 1: And I was like, Daddy, you really, I really want

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Speaker 1: you to come to the next meeting. And he said, okay,

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Speaker 1: I'm available on you know, Monday, Tuesday. Meanwhile, you're available

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Speaker 1: Sunday to Sunday you're retired. But he wasn't.

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Speaker 2: He didn't know that she was talking to this planner.

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Speaker 1: He was like not happy because, like I said, my

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Speaker 1: dad is really sad. I mean, I got all of

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Speaker 1: my financial acumen from him. All of my sisters did,

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Speaker 1: and so he's really savvy. He's planned in retirement but

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Speaker 1: based upon his timeline. But you know, I think that

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Speaker 1: he was just kind of like, you're cheating on me

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Speaker 1: with this financial planner, you know. Yeah, but he was

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Speaker 1: in a good mood, so I was like, yes, let

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Speaker 1: me slip this in. And so I'm happy because he

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Speaker 1: was like yes to both things, to the lawyer and

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Speaker 1: to the financial planner. And so I feel really good

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Speaker 1: because my dad is in his seventies, you know, and

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Speaker 1: it just makes me concern that there will still says

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Speaker 1: Tiffany age six belongs to uncle Tony, should we pass away.

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Speaker 2: Meanwhile, my dad texted me the day after text day

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Speaker 2: and is like, how do you file an extension? Oh god, oh,

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Speaker 2: oh my god.

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Speaker 1: Don't you just worry about them?

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Speaker 2: So I am like so worried. But also, you know,

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Speaker 2: I have distance on my side here because my dad

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Speaker 2: is in Atlanta. My baby brother is in Atlanta. So

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Speaker 2: actually shout out to my little brother because he's usually

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Speaker 2: tasked with like dad duty, like you know, computer tech

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Speaker 2: support and things like that. Taxes was supposed to be

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Speaker 2: my thing, and I was kind of I was like dad,

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Speaker 2: here's all the resources, here's how you file. You should

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Speaker 2: be able to file for free. There's so much work

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Speaker 2: with my dad because he's got this. I think, like

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Speaker 2: a lot of people who grew up in like high

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Speaker 2: poverty areas. You know, he grew up in Atlanta, there

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Speaker 2: is just like this total distrust of the government and

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Speaker 2: of financial institutions. And this is the man who I

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Speaker 2: witnessed go to a bank. He stood in line for

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Speaker 2: fifteen minutes outside of a bank on a Saturday to

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Speaker 2: deposit some cash that he had gotten from a job.

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Speaker 2: He deposited the cash and then he left and went

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Speaker 2: to ATM and took out some money.

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Speaker 1: Why.

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Speaker 2: I was like, why, Dad, why you wait and wait

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Speaker 2: in line just to take the money out at the ATM?

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Speaker 2: He was like, I thought about it. I didn't want

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Speaker 2: them having that much of my money. And I changed

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Speaker 2: my mind.

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Speaker 1: Oh my god.

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Speaker 2: And I'm like, but why. And I'm trying to explain

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Speaker 2: how FDIC insurance works. You know, up to two hundred

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Speaker 2: and fifty thousand dollars of your money. That's hell that

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Speaker 2: a bank account is entirely insured by the government. You

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Speaker 2: will not lose it even if the bank fails. He

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Speaker 2: doesn't want to hear it. He just has this. You know,

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Speaker 2: he is the kind of person who, and I've confirmed this,

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Speaker 2: just keeps cash rolled up in his sock like his

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Speaker 2: piggy bang. His whole four one k is like basically

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Speaker 2: just stuffed in corners of the I'm like, what if

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Speaker 2: the house burns down? But he doesn't care, you know

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Speaker 2: he And it's so frustrating to me because now I'm

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Speaker 2: I feel like I'm more aware now and I need

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Speaker 2: to be doing more to help him. But like he

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Speaker 2: almost needs like a financial psychologist, like to undo all

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Speaker 2: the wiring and the thought process around money. And it

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Speaker 2: was the same way with his taxes. He's thinking, well,

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Speaker 2: if I wait till the last minute, Uncle Sam won't

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Speaker 2: get my money. I'm like, Dad, you're not going to

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Speaker 2: owe any money because I know what you made last

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Speaker 2: You're gonna get a refund.

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Speaker 1: Yeah, So you're literally holding back. It's crazy. When my

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Speaker 1: mom told me, you know, I don't think I would

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Speaker 1: go with that with that financial advisor, because you know

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Speaker 1: he wants to well, she didn't understand that he was

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Speaker 1: opening up basically a new account because the financial advisor

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Speaker 1: obviously not keeping your money with your old financial advisor.

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Speaker 1: And She's like, he asked for my sole security number.

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Speaker 1: I said, no way. I'm like, Mommy, like, when you're

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Speaker 1: opening up a new if you just go to like

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Speaker 1: just say Bank of America or Wells Spargo and you're

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Speaker 1: opening up a checking account, they're gonna want your sold

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Speaker 1: security numbers. The government is keeping track of how your

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Speaker 1: money is moving. I was like, it's just a new

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Speaker 1: bank account, Like that's normal. She was like, are you certain.

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Speaker 1: I'm like, ah, pretty sure. And I was thinking to myself, Oh,

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Speaker 1: one day I'm gonna be old like this. I'm like,

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Speaker 1: I'm old like this now. I tell Supergirl, Girl Supergirl,

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Speaker 1: help me with this TV put on. I've already become them.

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Speaker 2: But financially though, it's yes, it's it's difficult. Like it's

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Speaker 2: one thing teaching him how to use the internet, it's

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Speaker 2: another thing convincing him that, like Uncle Sam is not

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Speaker 2: out to get you, at least not you, not little

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Speaker 2: you know, not my dad, other people, sure, but not you.

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Speaker 2: It's tough and I still haven't figured out, like what

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Speaker 2: day is it. It's been a couple of weeks now,

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Speaker 2: and I'm like, oh, I gotta get check in with

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Speaker 2: dad about his taxes. I don't know what he's done.

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Speaker 1: Anyway, parenting exactly, parent reverse parenting, but you know what

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Speaker 1: it's it's it makes you like really grateful that of

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Speaker 1: the novels that you do have, because you know, if

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Speaker 1: I didn't know, then I couldn't I couldn't share it

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Speaker 1: with them. I think that somebody because I did a

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Speaker 1: video about this on Instagram about you know, seeing my

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Speaker 1: parents today and helping them, and someone said, what if

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Speaker 1: you don't what if your parents don't have much? I said,

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Speaker 1: then you especially need to have this conversation with them,

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Speaker 1: especially especially so it's just something that you know, you

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Speaker 1: know that if you if you guys are, if you

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Speaker 1: have older parents, you definitely want to sit down with

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Speaker 1: them at least start to have the conversation. It's not

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Speaker 1: you're not going to fix it all in one conversation,

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Speaker 1: but you definitely want to sit down and start to

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Speaker 1: open up the doors, especially if you have brown parents.

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Speaker 1: You know, money and talking to your kids about money

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Speaker 1: is typically not part of our cultural norms, but you

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Speaker 1: want to start to make it normal.

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Speaker 2: And you also, here's another thing to think about is

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Speaker 2: they may not want to come to you they may

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Speaker 2: be embarrassed and they may not want to admit that

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Speaker 2: they have issues. So it's almost more important for you

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Speaker 2: to initiate, not even just you don't have to make

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Speaker 2: it the big dramatic. Let's sit down and talk about

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Speaker 2: your financial picture. But I don't know, ask them what

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Speaker 2: you know, what are your monthly expenses like? And how

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Speaker 2: are you paying your bills? And hey, what are you

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Speaker 2: thinking about doing? What the house? You know, so many

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Speaker 2: parents or a lot of older people may feel like

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Speaker 2: they should have everything figured out, and they may be

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Speaker 2: doing something that's not actually in their best financial interests,

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Speaker 2: but they may not realize it until someone asks them

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Speaker 2: or they bring it up. And like, you know, like

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Speaker 2: one small thing you may find just leads to so

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Speaker 2: many other, you know, larger things like I'll give you

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Speaker 2: another dad example, and I love my dad, but he's

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Speaker 2: he's the best example of this. He recently had decided

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Speaker 2: he was going to do like he does a new

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Speaker 2: career shift. He's just like a rolling stone, you know,

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Speaker 2: it's always worked for him. Just have different Like he's

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Speaker 2: just a hustler. He's always been a hustler. My dad's

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Speaker 2: always had at least three to four different hustles happening

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Speaker 2: at a given time, and recently he was going to

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Speaker 2: change his hustle and he wanted to go into business

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Speaker 2: as a home inspector because of the time he was

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Speaker 2: working in construction, and all the guys that, you know,

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Speaker 2: all the guys on the job, were talking about how

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Speaker 2: much more money home inspectors make, how it's easy money.

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Speaker 2: You just go to a house and open a few

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Speaker 2: doors and you pocket like, you know, a few hundred bucks.

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Speaker 2: And he thought this was like a golden ticket. And

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Speaker 2: he started looking online apparently all this research on these

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Speaker 2: for profit colleges, these for profit trade schools that have

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Speaker 2: you know, certificates and home inspection or whatever, and they're

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Speaker 2: like thousands of dollars. But he didn't tell me that.

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Speaker 2: I just happened to ask him about something about his

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Speaker 2: construction business, like you know, just trying to small talk,

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Speaker 2: and then he led me into this whole conversation and

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Speaker 2: he was getting ready to sign up for one of

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Speaker 2: these like trade schools, to pay to pay for a

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Speaker 2: course that he didn't really need to get certified as

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Speaker 2: an inspector. And then I did my own research, and

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Speaker 2: I'm like, Dad, here's what it really takes to become

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Speaker 2: a home inspector, and it's a whole different thing than

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Speaker 2: what you thought it was. And please, dear God, don't

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Speaker 2: spend any money on the internet without asking me first,

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Speaker 2: because you are a high high fraud risk. My friend.

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Speaker 1: Yeah, geez yeah, oh yeah. Parents, But you have to

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Speaker 1: dissess the thing. I mean, if you, if you have

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Speaker 1: a relationship with your parents, it's really important that, especially

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Speaker 1: as they get older, you start to you know, normalize

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Speaker 1: these kind of conversations with them, because it's easy as

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Speaker 1: they get older, no matter how sharp your parents were

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Speaker 1: when you were younger, it's easier for them to be

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Speaker 1: taken advantage of as they get older. Yeah, and you

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Speaker 1: don't you know, you don't want that because a lot

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Speaker 1: of times, you know, your parents get lonely, and so

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Speaker 1: I try to make my way, you know, call them

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Speaker 1: and check in on them, and so that way they

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Speaker 1: know that if they do have questions. I'm just so

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Speaker 1: glad that you know, my mom like she just because

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Speaker 1: I wouldn't have known. She just was like, let me

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Speaker 1: call my daughter. She's the financial person, you know. So

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Speaker 1: but you know, she could have done this on her

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Speaker 1: own and been taken advantage of and so.

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Speaker 2: Especially retirement age. You know, all these financial planners who

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Speaker 2: can make so much money because they know people retiring

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Speaker 2: had these big four oh one K accounts, Yes, and

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Speaker 2: they need to transfer them and roll them over. And yes,

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Speaker 2: when you roll them over into an you know, a

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Speaker 2: regular IRA, financial planners can put you in investments that

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Speaker 2: they make lucrative backbacks off of. And that's that's the

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Speaker 2: whole reason why this new Department of Labor rule was,

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Speaker 2: you know, Obama, the Obama administration was trying to pass

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Speaker 2: this new Department of Labor rule called the Fiduciary Rule,

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Speaker 2: which was gonna make it so that any financial planner

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Speaker 2: working with people to help them plan for retirement would

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Speaker 2: have to work in their best interests. And it was

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Speaker 2: going to stop It was supposedly going to stop financial

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Speaker 2: planners from doing exactly that, like taking retirees uh investments,

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Speaker 2: their their nest eggs and investing them into funds that directly,

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Speaker 2: you know, provided revenue to the financial planner. And then

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Speaker 2: of course Trump came into power, and now who knows

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Speaker 2: where this law even, I don't even know if it's

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Speaker 2: even passed yet, but it's yeah, it's they're you know,

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Speaker 2: they have a lot of funds and these scammers they

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Speaker 2: know it. Not just scammers. But that reminds me of Tanya.

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Speaker 2: Tanya Rapely, she's the mythab Finance. She has a new

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Speaker 2: book coming out. I was talking to her about coming

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Speaker 2: on the show soon, but then I saw on Twitter

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Speaker 2: recently she tweeted that her mom, you know has it,

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Speaker 2: has a house that's nearly paid off and some real

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Speaker 2: estate investor had offered her a certain amount of money

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Speaker 2: for the house, and her mom came to Tanya and

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Speaker 2: asked her if she thought it was a good deal,

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Speaker 2: and Tanya's like, no, get your own appraisal. And the

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Speaker 2: helm appraised for twice what the guy was asking for twice.

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Speaker 2: But they're sniffing around. They're like, oh, yes, these old

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Speaker 2: people don't know what they're sitting on the market is up.

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Speaker 2: Let me see if I can get a sucker. And

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Speaker 2: it's scary.

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Speaker 1: So it is, honestly, Wow.

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Speaker 2: Well I wanted to talk about did you hear about

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Speaker 2: this whole Zell controversy? Do you know what Zell is?

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Speaker 1: Yeah? If I use it for Wells Fargo uses them.

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Speaker 2: Yeah, So Zell basically was this the big banks got

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Speaker 2: together and decided man Venmo, you know this pavement app

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Speaker 2: that makes it so easy for people to send money

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Speaker 2: to each other is like stealing money from us, basically

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Speaker 2: taking a lot of potential revenue for us. So they

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Speaker 2: got together and agreed to start with zel z E

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Speaker 2: L E. So a lot of big banks like Wells Fargo,

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Speaker 2: Bank of America, I think even ally maybe Chase. A

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Speaker 2: lot of the big banks now allow you to very

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Speaker 2: easily send money from bank to bank through zell. What's

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Speaker 2: happening though, is people are realizing so some people are

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Speaker 2: using zel to transfer payments to like an online ticket

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Speaker 2: seller if you're trying to buy you know, concert tickets

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Speaker 2: or you're trying to buy something off Craigslist and you

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Speaker 2: want to send money to whoever. And what's happening is

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Speaker 2: some people are getting their money stolen by fraudsters. So

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Speaker 2: you think you're giving money for something, and yet you're

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Speaker 2: never getting what you paid for, and the person disappears,

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Speaker 2: and then they want to call their bank and say

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Speaker 2: I did this through zell am I covered. You're actually

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Speaker 2: not protected if you're the one initiating the transaction, like

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Speaker 2: if you're the one sending money through Zell, to the

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Speaker 2: bad person, to the hacker, to the fraudster, whoever you're

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Speaker 2: in that trend, that fraud is not covered. The only

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Speaker 2: one that is covered is if like a fraudster hacks

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Speaker 2: their way into your account through Zell or whatever and

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Speaker 2: takes your money that way, and it's caused all this

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Speaker 2: like confusion and uproar. So I just wanted to let

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Speaker 2: everyone know. If you're using Zel, think of it like

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Speaker 2: you're giving a twenty dollars bill, like actual cash money

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Speaker 2: to someone. You wouldn't send that money put in an envelope,

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Speaker 2: stick it in the mail, and send it to a

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Speaker 2: random person, but you would hand it to a person

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Speaker 2: that you know, like personally, Like if I knew Tiffany, Hey,

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Speaker 2: there's twenty bucks for the dinner that you know we

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Speaker 2: split last night, I would do that. You never want

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Speaker 2: to use Zel to send it to someone who you

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Speaker 2: don't know, so an online seller or I don't know,

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Speaker 2: even even like a bill, like if someone's trying to

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Speaker 2: charge you for some service like a moving company or something,

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Speaker 2: don't use Zel because you won't be covered. You won't

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Speaker 2: be covered if they end up being a fraudster. Again,

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Speaker 2: the only thing that you're covered for is like if

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Speaker 2: someone hacks into your count through zell.

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Speaker 1: It's just like, you know, digital scams are on the

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Speaker 1: rise and you have to be mindful. That's why I said,

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Speaker 1: you want to especially be careful with your older parents,

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Speaker 1: but you just have to be mindful. No one is

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Speaker 1: exempt from being scammed on the internet.

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Speaker 2: I know it feels like I'm getting scammed every day

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Speaker 2: because money is draining out of my account and putting

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Speaker 2: into my house.

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Speaker 1: Oh oh, don't even like we're finally just like we

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Speaker 1: got to assess this person. But this LED thing, it

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Speaker 1: is like an animal, all of it. So it's to

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Speaker 1: the point now where honestly Superman is going to take

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Speaker 1: a class. Our project manager was like, you know, I've

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Speaker 1: always wanted to be certified to He's going to take

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Speaker 1: the class too, because you know Superman does that would

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Speaker 1: not lead, but he does like I don't know, super

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Speaker 1: stuff for the city.

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Speaker 2: He does like house stuff.

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Speaker 1: Yeah right, it's like as a job. But he's just

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Speaker 1: never been like certified in like lead removal. So they're

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Speaker 1: both going to now that they have a romance going

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Speaker 1: on because him and our project manager, oh my gosh,

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Speaker 1: like we love the project manager and his wife. They're like, amazing,

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Speaker 1: who's the designer, and so they're like our real friends now,

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Speaker 1: and so they're like, you know, let's just take the

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Speaker 1: lead removal class. It's three hours and because we don't

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Speaker 1: have that much honestly, it's just some chemical thing that

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Speaker 1: you painted on paint on the lead, covered with plastic

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Speaker 1: and then peel it off. And so instead of because

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Speaker 1: he's with paint, yeah, it's in the paint because of

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Speaker 1: the age of the house, like it's been painted over,

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Speaker 1: like you know, certain parts of the would have been

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Speaker 1: painted over over and over again, and during certain periods

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Speaker 1: in history, like you know, the seventies or sixties or

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Speaker 1: the forties or whatever. Because the house was built in

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Speaker 1: nineteen twenty, lead paint was fine and it leads through

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Speaker 1: the paint on top, and so there are certain areas

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Speaker 1: of the house where that's happened. So we're going to

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Speaker 1: remove it. And people were charging we're trying to charge

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Speaker 1: upwards of thirty thousand dollars and.

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Speaker 2: That was like one thousand dollars yes.

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Speaker 1: Because they were like, oh, well, you know, you guys

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Speaker 1: have a lot of wood in here. We're like, well,

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00:18:17,440 --> 00:18:19,040
Speaker 1: like yeah, but all of it doesn't have lead, and

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Speaker 1: it just mean that was like the that was someone

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Speaker 1: who had not seen the house. That was someone who

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Speaker 1: was just kind of like reading the report. It was

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Speaker 1: like it couldn't be anywhere upwards to eight thirty thousand dollars.

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Speaker 1: And I was just like, you know what. And then

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Speaker 1: we actually had some really great contractors come by and

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Speaker 1: or like lead abatement folks come by and they were like, honestly,

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Speaker 1: it's not even that much. You guys could do this yourself.

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Speaker 1: There's literally a class of a couple of hundred bucks,

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Speaker 1: and it'll be cheaper, and it's good for you to learn,

401
00:18:43,040 --> 00:18:45,119
Speaker 1: if you guys, if your husband is trying to be

402
00:18:45,320 --> 00:18:49,359
Speaker 1: you know, like do more and more houses. So so

403
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Speaker 1: that's what we just decided that it'll be way cheaper

404
00:18:51,400 --> 00:18:56,159
Speaker 1: to just for him to learn and to to do

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Speaker 1: it ourselves. It will cost us maybe like a few

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Speaker 1: hundred bucks. And because it's not that we don't have

407
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Speaker 1: that much. It's like, you know, a few windowsills and

408
00:19:03,000 --> 00:19:05,760
Speaker 1: some baseboard. So it just needs to be the chemicals

409
00:19:05,840 --> 00:19:08,720
Speaker 1: just need to be painted on, sat there for twenty

410
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Speaker 1: four hours and then literally peeled off and like saying

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Speaker 1: it and then just repainted with whatever paint that we want.

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Speaker 1: So because we've been dragging, not dragging our feet, but

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Speaker 1: I am not looking forward to actually working with like

414
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Speaker 1: the actual contractor if it's going to be like this,

415
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Speaker 1: because I'm like, what we're not we haven't made any movement.

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Speaker 1: What's happening? Yeah? Oh man, I know, but you know what,

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Speaker 1: I'm like, you know what, Hey, we waited six months

418
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Speaker 1: just to close, so you know what. At this point,

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Speaker 1: I'm just happy that we have a house.

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Speaker 2: And it's cool that that's a good idea, like learning

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Speaker 2: how to do it yourself if it's not that big

422
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Speaker 2: of a but that's that's the hard part, is like

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Speaker 2: what can we do ourselves? I came home from my

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Speaker 2: so this weekend I went to a bachelorette and it

425
00:19:46,520 --> 00:19:49,720
Speaker 2: was super fun. Side note though, I came back and

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Speaker 2: I'm like, oh, how exciting. There's like a we've moved

427
00:19:52,680 --> 00:19:54,680
Speaker 2: into our house and realized that there is no three

428
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Speaker 2: prong outlets anywhere. It's an older house, and I guess

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Speaker 2: I wasn't a thing.

430
00:19:58,840 --> 00:19:59,480
Speaker 1: I guess they didn't.

431
00:19:59,760 --> 00:20:01,879
Speaker 2: I mean, it's true they didn't have Apple MacBook charges

432
00:20:01,920 --> 00:20:04,679
Speaker 2: back then, but it was an issue because you couldn't

433
00:20:04,720 --> 00:20:06,800
Speaker 2: charge like our laptop or our put our TV in

434
00:20:06,800 --> 00:20:10,200
Speaker 2: the wall or whatever. And I knew that my husband

435
00:20:10,240 --> 00:20:12,080
Speaker 2: had set up the electrician to come put a couple

436
00:20:12,119 --> 00:20:13,879
Speaker 2: of outlets, and then I came home and I was like, oh,

437
00:20:13,880 --> 00:20:16,399
Speaker 2: there's like an extra outlet here. That's cool, and that

438
00:20:16,600 --> 00:20:20,399
Speaker 2: bool did it himself. And I said, that's not a

439
00:20:20,480 --> 00:20:22,000
Speaker 2: DIY project.

440
00:20:22,280 --> 00:20:25,119
Speaker 1: Yeah, no, electricity is not. Yeah.

441
00:20:25,200 --> 00:20:26,840
Speaker 2: He's like, but I watched and he you know, he

442
00:20:26,880 --> 00:20:29,199
Speaker 2: watches all these YouTube videos, and I know that he

443
00:20:29,280 --> 00:20:31,359
Speaker 2: shadowed the electrician while he was doing it. And my

444
00:20:31,440 --> 00:20:34,000
Speaker 2: husband's very talented and handy, but I was like, can

445
00:20:34,040 --> 00:20:36,359
Speaker 2: you please at least have someone here to spot you

446
00:20:36,840 --> 00:20:39,560
Speaker 2: while you're doing electrical work. He didn't have anybody there,

447
00:20:39,560 --> 00:20:41,800
Speaker 2: Like what if he electricated himself. I wasn't at home.

448
00:20:42,920 --> 00:20:47,240
Speaker 2: There's this I feel like that's the HGTV, like I know, syndrome,

449
00:20:47,520 --> 00:20:51,480
Speaker 2: syndrome or like, yeah, this whole movement of people trying

450
00:20:51,480 --> 00:20:53,240
Speaker 2: to do themselves, like no, no, no, no, no, we're

451
00:20:53,280 --> 00:20:55,400
Speaker 2: gonna sometimes it's worth the money. It was only thirty

452
00:20:55,440 --> 00:20:58,000
Speaker 2: five dollars to have him add one more outlet. I

453
00:20:58,040 --> 00:20:59,720
Speaker 2: think he really just wanted to figure out how to

454
00:20:59,720 --> 00:20:59,960
Speaker 2: do it.

455
00:21:00,920 --> 00:21:04,840
Speaker 1: Which is cool, but don't die. So I told like

456
00:21:04,880 --> 00:21:06,800
Speaker 1: I told Superman. I said, like, there's a few things

457
00:21:06,840 --> 00:21:09,119
Speaker 1: I don't mind you and the guy's doing like the

458
00:21:09,200 --> 00:21:11,920
Speaker 1: lead thing. I honestly I don't mind because even for work,

459
00:21:12,040 --> 00:21:14,239
Speaker 1: like when they do certain things they use like well

460
00:21:14,280 --> 00:21:16,000
Speaker 1: he has like a respirator mat, so he has all

461
00:21:16,040 --> 00:21:18,880
Speaker 1: that stuff. I'm like, I don't mind electricity, I told him,

462
00:21:18,880 --> 00:21:21,560
Speaker 1: because we have to get the house rewired. I was like, no,

463
00:21:21,960 --> 00:21:24,040
Speaker 1: Chico in them are not doing our electric do you

464
00:21:24,040 --> 00:21:28,000
Speaker 1: want to die? No, we're not letting. He actually does

465
00:21:28,040 --> 00:21:29,760
Speaker 1: have a friend n Chico. He's like, oh, Chico could

466
00:21:29,800 --> 00:21:34,719
Speaker 1: do that. I'm like, no, resetting the floor, fine, painting, okay,

467
00:21:35,240 --> 00:21:38,119
Speaker 1: you know stuff like that, even like patching some walls. Great,

468
00:21:38,480 --> 00:21:41,840
Speaker 1: But I told him, like, we're not having somebody ran

469
00:21:41,880 --> 00:21:43,800
Speaker 1: to rewire our house where we have to live and

470
00:21:43,800 --> 00:21:46,600
Speaker 1: worry about if a fire starts inside the in the wall,

471
00:21:46,760 --> 00:21:50,680
Speaker 1: you know. So yeah, I mean it's an interesting journey,

472
00:21:50,760 --> 00:21:53,160
Speaker 1: and I feel like it'll be much faster next time

473
00:21:53,160 --> 00:21:54,719
Speaker 1: we get a house, like when we get like our

474
00:21:54,760 --> 00:21:58,640
Speaker 1: next property. But this is definitely a learning curve that's

475
00:21:58,720 --> 00:22:00,680
Speaker 1: like where I'm so out of my element because I

476
00:22:00,680 --> 00:22:03,000
Speaker 1: don't I don't know anything, and I feel like I

477
00:22:03,040 --> 00:22:06,159
Speaker 1: feel open to being taking advantage of. But thankfully we

478
00:22:06,200 --> 00:22:08,359
Speaker 1: have like you know, like our mentors. But it still

479
00:22:08,640 --> 00:22:10,720
Speaker 1: still feels like, oh my gosh. Every time we meet

480
00:22:10,760 --> 00:22:13,080
Speaker 1: with the professional, everyone else has, everyone has a new

481
00:22:13,119 --> 00:22:15,119
Speaker 1: story to tell, you know, like, oh, you know, what

482
00:22:15,160 --> 00:22:17,880
Speaker 1: you need to do is you're corporator, your operator, it's

483
00:22:17,920 --> 00:22:37,119
Speaker 1: in the infiltrator and you're like, I don't know. Well,

484
00:22:37,240 --> 00:22:40,560
Speaker 1: I mean that leads it perfectly into brown break. Brown breaks.

485
00:22:41,119 --> 00:22:44,440
Speaker 1: What you're gonna do boost or break? Well, clearly you

486
00:22:44,480 --> 00:22:46,840
Speaker 1: know I'm breaking because I just did a brown break song.

487
00:22:47,840 --> 00:22:49,160
Speaker 2: I's gonna say it's only one option.

488
00:22:49,320 --> 00:22:52,720
Speaker 1: No, I forgot. I'm like, oh what a brown break

489
00:22:52,800 --> 00:22:57,480
Speaker 1: from the word asbestos and the word lead and also

490
00:22:57,520 --> 00:23:00,520
Speaker 1: the word abatement. I'm like, I'm over that. Yes, I'm

491
00:23:00,600 --> 00:23:03,840
Speaker 1: just that's just a quick round break. Because I realized though,

492
00:23:03,920 --> 00:23:05,800
Speaker 1: like you know, I keep telling myself, by the end

493
00:23:05,800 --> 00:23:07,160
Speaker 1: of the year, you're going to walk into the house

494
00:23:07,200 --> 00:23:09,680
Speaker 1: and be like, yo, I love my house. But until then,

495
00:23:09,920 --> 00:23:13,800
Speaker 1: it's just just a lot And I'm learning. I'm learning.

496
00:23:13,840 --> 00:23:15,879
Speaker 1: I'm learning, which is good, but I just need a

497
00:23:15,920 --> 00:23:19,480
Speaker 1: break from those words, like literally every like after working

498
00:23:19,640 --> 00:23:21,960
Speaker 1: hard on the Budginisa and the Academy and everything else,

499
00:23:22,520 --> 00:23:25,320
Speaker 1: and then Superman comes home from work and then you know,

500
00:23:25,359 --> 00:23:26,960
Speaker 1: we have dinner or whatever, and then he wants to

501
00:23:27,000 --> 00:23:29,920
Speaker 1: talk about the house. I'm like, honestly, I don't care.

502
00:23:30,600 --> 00:23:32,639
Speaker 1: I'm like, whatever you decide, I don't even care anymore.

503
00:23:32,920 --> 00:23:35,360
Speaker 1: He's like tired. I'm like, yes, I'm tired. I'm tired

504
00:23:35,440 --> 00:23:37,440
Speaker 1: every week. And it's like we lived there, but we

505
00:23:37,480 --> 00:23:39,080
Speaker 1: don't live there. So I'm just taking a little bit

506
00:23:39,119 --> 00:23:41,800
Speaker 1: of a brown break from those three words abatement, lead,

507
00:23:41,880 --> 00:23:42,560
Speaker 1: and asbestos.

508
00:23:43,240 --> 00:23:45,000
Speaker 2: I was hoping somewhere in there I was going to

509
00:23:45,040 --> 00:23:47,800
Speaker 2: find a casual segue into baby news because I believe

510
00:23:47,920 --> 00:23:51,560
Speaker 2: last week that we might be getting an update.

511
00:23:52,240 --> 00:23:54,360
Speaker 1: Well, yes, I just said a quick update is that yes,

512
00:23:54,480 --> 00:23:56,960
Speaker 1: we could start trying. I am so I didn't I

513
00:23:57,000 --> 00:23:59,080
Speaker 1: don't think I shared it last time, but I have

514
00:23:59,200 --> 00:24:01,680
Speaker 1: to get a second which I was like, oh yay,

515
00:24:03,040 --> 00:24:05,639
Speaker 1: And it was a maybe like a month ago. So

516
00:24:06,400 --> 00:24:08,840
Speaker 1: I went back to the doctor. You know, I had

517
00:24:08,880 --> 00:24:11,640
Speaker 1: my first surgery, which is when they actually like basically

518
00:24:11,800 --> 00:24:14,840
Speaker 1: it's like a a cesarean no a C section where

519
00:24:14,840 --> 00:24:16,960
Speaker 1: it's like they had to remove the actual five words

520
00:24:16,960 --> 00:24:18,760
Speaker 1: like cut me open and remove them. And that was

521
00:24:18,880 --> 00:24:22,199
Speaker 1: like four weeks recovery three of I mean six official,

522
00:24:22,280 --> 00:24:23,879
Speaker 1: but really like three or four weeks. I was like

523
00:24:24,000 --> 00:24:26,920
Speaker 1: back to normal. And then I was like, yeah, I'm good,

524
00:24:26,960 --> 00:24:28,080
Speaker 1: and she's like, you know, I wanted you to go

525
00:24:28,200 --> 00:24:30,359
Speaker 1: for this thing, this ink test where they like squirt

526
00:24:30,440 --> 00:24:32,359
Speaker 1: ink in you to see if your tubes are open.

527
00:24:33,000 --> 00:24:34,960
Speaker 1: And she's like, yay, So good news is your tubes

528
00:24:34,960 --> 00:24:37,200
Speaker 1: are open. Bad news is we see another fiboid. I

529
00:24:37,400 --> 00:24:39,880
Speaker 1: was like, you've got to be kidding me, gosh, yeah,

530
00:24:40,040 --> 00:24:41,960
Speaker 1: and she was like yeah. And then there's some scar

531
00:24:42,040 --> 00:24:44,280
Speaker 1: tissue from when we removed some of these fribordes from before,

532
00:24:45,320 --> 00:24:46,800
Speaker 1: and I was like, oh, she's like, so you have

533
00:24:46,880 --> 00:24:48,280
Speaker 1: to have another surgery. I looked at her like are

534
00:24:48,320 --> 00:24:51,600
Speaker 1: you insane? What does that even mean? But thankfully this

535
00:24:51,680 --> 00:24:54,639
Speaker 1: surgery was like really non invasive. It was a one

536
00:24:54,720 --> 00:24:57,159
Speaker 1: day recovery, like literally twenty four hours, and if you

537
00:24:57,200 --> 00:24:58,800
Speaker 1: could even call it that, I was home and like

538
00:24:59,520 --> 00:25:02,320
Speaker 1: ready to go, and so it was. And so I

539
00:25:02,440 --> 00:25:04,240
Speaker 1: just got cleared from her and she said, you are

540
00:25:04,359 --> 00:25:06,800
Speaker 1: ready to go, tiffany clean bill of health, you and

541
00:25:06,840 --> 00:25:11,240
Speaker 1: superan kid, go go go. And I was like, we're

542
00:25:11,280 --> 00:25:15,320
Speaker 1: coming from your like you're older, you're older obgyn. So yes,

543
00:25:15,440 --> 00:25:17,800
Speaker 1: we are clear to ready to try. I mean, you

544
00:25:17,920 --> 00:25:20,199
Speaker 1: never know. And so the thing is, so I'm thirty eight.

545
00:25:20,280 --> 00:25:22,720
Speaker 1: So she said she wants us to try naturally for

546
00:25:22,920 --> 00:25:26,879
Speaker 1: six months and then if no baby, then then we

547
00:25:27,000 --> 00:25:28,560
Speaker 1: want to try. And then she said, then we'll try

548
00:25:29,640 --> 00:25:33,200
Speaker 1: fertility options, so we shall see. You know, I never

549
00:25:33,560 --> 00:25:36,879
Speaker 1: it's crazy about having kids. You never think. You just

550
00:25:36,960 --> 00:25:38,520
Speaker 1: think like, well, of course I'm going to be able

551
00:25:38,520 --> 00:25:40,639
Speaker 1: to have kids, like that's what women do. So this

552
00:25:40,720 --> 00:25:43,679
Speaker 1: has just opened my eyes to what's you know, how

553
00:25:43,760 --> 00:25:46,800
Speaker 1: hard it can be or it's just it doesn't necessarily

554
00:25:46,880 --> 00:25:50,480
Speaker 1: mean that you're able or yeah, I mean like my

555
00:25:50,600 --> 00:25:54,040
Speaker 1: sister got pregnant on her wedding night, literally and then

556
00:25:54,080 --> 00:25:56,680
Speaker 1: she's got pregnant again right after that, and then my

557
00:25:56,840 --> 00:25:58,960
Speaker 1: mom had trouble. She said, I didn't know because my

558
00:25:59,000 --> 00:26:01,159
Speaker 1: mom has five kids, said I know she's super fertile,

559
00:26:01,359 --> 00:26:03,040
Speaker 1: and she was like, uh no, it took me a

560
00:26:03,080 --> 00:26:05,080
Speaker 1: couple of years before your sister, your first sister came

561
00:26:05,640 --> 00:26:07,560
Speaker 1: And I thought, oh, I didn't know, so you just

562
00:26:07,680 --> 00:26:10,879
Speaker 1: never know. But yeah, so that was just the update

563
00:26:10,920 --> 00:26:13,639
Speaker 1: that I can try. So I appreciate your love and

564
00:26:13,760 --> 00:26:17,120
Speaker 1: your your baby dust sprinkling in the air. You guys

565
00:26:17,119 --> 00:26:19,159
Speaker 1: always send me great encouragement. So yes, please say an

566
00:26:19,200 --> 00:26:22,200
Speaker 1: extra prayer for super baby. Prayerfully, and we'll be on

567
00:26:22,320 --> 00:26:23,280
Speaker 1: the way by the end of this year.

568
00:26:23,640 --> 00:26:25,840
Speaker 2: I have something to share. One of our listeners actually

569
00:26:25,920 --> 00:26:27,960
Speaker 2: sent us a message on Facebook for because I know

570
00:26:28,080 --> 00:26:30,200
Speaker 2: before you talked about wanting twins, right, do you still

571
00:26:30,240 --> 00:26:30,760
Speaker 2: want twins?

572
00:26:31,880 --> 00:26:32,879
Speaker 1: I mean I could do twins.

573
00:26:33,800 --> 00:26:35,159
Speaker 2: You're just trying to be efficient about it.

574
00:26:35,800 --> 00:26:37,840
Speaker 1: Yes, honestly, I am so.

575
00:26:38,160 --> 00:26:41,880
Speaker 2: One of our Facebook one of our listeners on Facebook said,

576
00:26:41,920 --> 00:26:44,200
Speaker 2: for twins, you should start eating lots of yams and

577
00:26:44,240 --> 00:26:46,880
Speaker 2: sweet potatoes, although I think those are the same thing.

578
00:26:47,400 --> 00:26:48,160
Speaker 2: It's up for debate.

579
00:26:48,560 --> 00:26:49,680
Speaker 1: Yeah, it is up for de baby.

580
00:26:49,760 --> 00:26:52,720
Speaker 2: Yes, thanks Crystal. I don't know. She doesn't say why

581
00:26:53,040 --> 00:26:55,600
Speaker 2: sweet potatoes and yams, but hey, you're vegan and that's

582
00:26:55,640 --> 00:26:59,480
Speaker 2: on the menu, so okay, hook it up. It's nerve

583
00:26:59,520 --> 00:27:03,400
Speaker 2: wracking to think that it's nerve. I feel like what's

584
00:27:03,480 --> 00:27:05,960
Speaker 2: challenging is that right now we're in an age where

585
00:27:06,480 --> 00:27:09,600
Speaker 2: you know you made to think, Okay, be strategic about

586
00:27:09,600 --> 00:27:11,840
Speaker 2: your career, plan everything out. Your finance is, you're in

587
00:27:11,920 --> 00:27:15,320
Speaker 2: control your career in you're in control, plan make it,

588
00:27:15,440 --> 00:27:18,280
Speaker 2: set yourself up for success, and don't turn down opportunities.

589
00:27:18,320 --> 00:27:20,960
Speaker 2: I'm talking about women especially, Yes, and then you do

590
00:27:21,040 --> 00:27:24,240
Speaker 2: everything right and then by you know, naturally you're in

591
00:27:24,359 --> 00:27:26,399
Speaker 2: your thirties when you start thinking about having kids, or

592
00:27:26,440 --> 00:27:29,480
Speaker 2: your late thirties or early forties, and then oh, yeah,

593
00:27:29,560 --> 00:27:31,479
Speaker 2: you can't really have it all because there's this thing

594
00:27:31,520 --> 00:27:34,400
Speaker 2: called biology and she just fucks with you sometimes. Yeah,

595
00:27:34,400 --> 00:27:37,600
Speaker 2: and it's not fair. It's so frustrating. So I'm really

596
00:27:37,840 --> 00:27:39,560
Speaker 2: just glad that you're sharing your story because I know

597
00:27:39,840 --> 00:27:43,520
Speaker 2: that you're not the only one out there who's going

598
00:27:43,560 --> 00:27:46,359
Speaker 2: through that. And it's not even about career, and you know,

599
00:27:46,400 --> 00:27:48,760
Speaker 2: I'm not trying to at all shame people. It's not

600
00:27:48,800 --> 00:27:51,400
Speaker 2: about career or even being ambitious. Sometimes sometimes your body

601
00:27:51,560 --> 00:27:53,880
Speaker 2: just you know, it just is your body. You don't

602
00:27:53,920 --> 00:27:56,640
Speaker 2: have all the working elements that you thought you had

603
00:27:57,119 --> 00:27:59,680
Speaker 2: until you finally start to try, or you just don't

604
00:27:59,680 --> 00:28:02,160
Speaker 2: meet the right person exactly.

605
00:28:02,160 --> 00:28:04,080
Speaker 1: Or like I know, a couple like a friend of

606
00:28:04,119 --> 00:28:06,080
Speaker 1: mine who's a guy. I just always assume because he

607
00:28:06,359 --> 00:28:08,440
Speaker 1: and his wife travel a lot, and they're young, they're

608
00:28:08,480 --> 00:28:10,920
Speaker 1: in their thirties, and I just assume, like, oh, they're

609
00:28:10,920 --> 00:28:12,960
Speaker 1: the young, hot and popping couple. They must not want kids.

610
00:28:13,000 --> 00:28:15,560
Speaker 1: They didn't strike me as a kid wanting type. And

611
00:28:15,680 --> 00:28:17,000
Speaker 1: he hit me up and he was like, you know,

612
00:28:17,040 --> 00:28:18,560
Speaker 1: I'm praying for you and your husband. Me and my

613
00:28:18,600 --> 00:28:20,680
Speaker 1: wife has been trying for years, and he's like, we've

614
00:28:20,680 --> 00:28:23,200
Speaker 1: been to every doctor and nothing's wrong with us. And

615
00:28:23,280 --> 00:28:26,280
Speaker 1: I was like, why, I didn't know. You never know,

616
00:28:26,600 --> 00:28:28,360
Speaker 1: you know, Like I said, I thought that they were like, oh,

617
00:28:28,440 --> 00:28:30,200
Speaker 1: you know, they're not trying to have no kids. They're

618
00:28:30,200 --> 00:28:32,280
Speaker 1: in a different country every other month. They live it up.

619
00:28:32,400 --> 00:28:36,360
Speaker 1: And no, He's like, we do, and they cannot figure out,

620
00:28:36,480 --> 00:28:39,560
Speaker 1: like why she doesn't have fibroids. She doesn't, her tubes

621
00:28:39,600 --> 00:28:42,520
Speaker 1: are open, she's got enough eggs, his sperm is strong,

622
00:28:42,840 --> 00:28:46,560
Speaker 1: like you know, and so you just, yeah, there's no

623
00:28:46,760 --> 00:28:49,000
Speaker 1: rhyme or reason. Sometimes I mean, sometimes you know and

624
00:28:49,480 --> 00:28:52,000
Speaker 1: sometimes you don't. And I mean I know somebody who

625
00:28:52,120 --> 00:28:55,040
Speaker 1: was like she literally like had like one ovary and

626
00:28:55,120 --> 00:28:58,000
Speaker 1: it was halfway working, and she's got two kids. And

627
00:28:58,120 --> 00:29:01,160
Speaker 1: so yeah, I mean that the part that's hard because

628
00:29:01,480 --> 00:29:04,240
Speaker 1: in every other aspect of my life, I know that

629
00:29:04,360 --> 00:29:06,320
Speaker 1: if I put in the work, I can get what

630
00:29:06,400 --> 00:29:08,600
Speaker 1: I want. You know, like how hard are you willing

631
00:29:08,640 --> 00:29:10,480
Speaker 1: to work for Tiffany? And this is one of those

632
00:29:10,520 --> 00:29:12,200
Speaker 1: things that, yes, there is some work for me to

633
00:29:12,240 --> 00:29:14,520
Speaker 1: put in, Like I went vegan, I got these surgeries.

634
00:29:15,000 --> 00:29:17,920
Speaker 1: You know, I'm eating better, you know, but past that,

635
00:29:18,200 --> 00:29:21,120
Speaker 1: I can't do anything else, you know. So it's frustrating

636
00:29:21,160 --> 00:29:25,800
Speaker 1: because there's no there's nothing, you know, like, no matter

637
00:29:25,840 --> 00:29:28,280
Speaker 1: how much work I put in, there's still the possibility

638
00:29:28,400 --> 00:29:30,960
Speaker 1: that I just I'm just not able for whatever reason,

639
00:29:31,480 --> 00:29:33,320
Speaker 1: you know. So I mean I'm still like, I still

640
00:29:33,360 --> 00:29:36,400
Speaker 1: have time. So I honestly don't feel hopeful. I don't

641
00:29:36,400 --> 00:29:38,680
Speaker 1: feel like hopeless. I know some people like I guess

642
00:29:38,720 --> 00:29:41,120
Speaker 1: it's the beginning of my journey. So it's still really early.

643
00:29:41,240 --> 00:29:43,480
Speaker 1: Like I really just started, you know, this journey in January,

644
00:29:43,520 --> 00:29:45,560
Speaker 1: So it's still really early for me. So I'm still

645
00:29:45,600 --> 00:29:48,920
Speaker 1: feeling like, yeah, it's happening, but you never know if

646
00:29:48,920 --> 00:29:51,800
Speaker 1: it doesn't. I mean, thankfully, you know, Superman and I

647
00:29:51,880 --> 00:29:53,360
Speaker 1: have the means if we want to adopt which He's

648
00:29:53,400 --> 00:29:56,720
Speaker 1: totally open to we can. He's just been awesome, like, well,

649
00:29:56,760 --> 00:29:58,800
Speaker 1: whatever you want, babe, Like you know he would want

650
00:29:58,800 --> 00:30:01,360
Speaker 1: at least he would love of two more kids. I'm like, wow,

651
00:30:01,800 --> 00:30:04,040
Speaker 1: we'll see. Look we don't get these twins the first

652
00:30:04,040 --> 00:30:08,600
Speaker 1: time around. I don't know, but we'll see. I'm open

653
00:30:08,640 --> 00:30:10,240
Speaker 1: to it though, because I feel like I'm in a

654
00:30:10,320 --> 00:30:14,040
Speaker 1: space now where you know, there there's more to life

655
00:30:14,080 --> 00:30:19,000
Speaker 1: than than business and growth and finances and you know,

656
00:30:19,280 --> 00:30:22,000
Speaker 1: and I just seeing how my parents get older, their

657
00:30:22,080 --> 00:30:24,120
Speaker 1: joy they get from the fact that they have us kids.

658
00:30:24,480 --> 00:30:27,320
Speaker 2: I want that too, you know, you know, I feel

659
00:30:27,360 --> 00:30:30,720
Speaker 2: I have good vibes me sending you extra baby dust.

660
00:30:30,920 --> 00:30:32,760
Speaker 2: I'm gonna keep a little for myself. I might need it.

661
00:30:34,080 --> 00:30:38,360
Speaker 2: I'm not sure when Boma need it sometimes. So my

662
00:30:38,640 --> 00:30:41,440
Speaker 2: brown boost, I want to do it. Well, okay, I'm

663
00:30:41,480 --> 00:30:43,040
Speaker 2: going to do a double. A brown is kind of

664
00:30:43,080 --> 00:30:46,240
Speaker 2: a two sided brown break. So my brown break is

665
00:30:46,400 --> 00:30:51,680
Speaker 2: the conversation around pay equality. So the pay gap, the

666
00:30:51,720 --> 00:30:54,440
Speaker 2: gender page gap. We always talk about how women we

667
00:30:54,520 --> 00:30:57,000
Speaker 2: all know the statistic. I mean, it's like it's so

668
00:30:57,520 --> 00:30:59,360
Speaker 2: you know, we say it all the time. Women earn

669
00:30:59,440 --> 00:31:02,360
Speaker 2: eighty cents a dollar when you break it down by minority,

670
00:31:02,400 --> 00:31:06,680
Speaker 2: it's even less to white men. And where that conversation

671
00:31:06,840 --> 00:31:11,400
Speaker 2: usually leads is to advice for women on how they

672
00:31:11,720 --> 00:31:13,600
Speaker 2: what they should be doing to earn more money, or

673
00:31:14,160 --> 00:31:16,720
Speaker 2: how they should be negotiating better in the workplace, and

674
00:31:16,840 --> 00:31:19,360
Speaker 2: what the women can do. And I'm kind of and

675
00:31:19,480 --> 00:31:22,920
Speaker 2: I'm kind of low key sick of this conversation because

676
00:31:22,920 --> 00:31:26,360
Speaker 2: I feel like it unfairly puts the pressure on the

677
00:31:26,440 --> 00:31:29,600
Speaker 2: woman to get herself an equal pay, like get herself

678
00:31:29,720 --> 00:31:33,440
Speaker 2: equal pay on the job. And my position has been

679
00:31:33,520 --> 00:31:37,320
Speaker 2: for a long time that the employer itself or whoever

680
00:31:37,440 --> 00:31:41,120
Speaker 2: it is, like, the person who's managing the project has

681
00:31:41,160 --> 00:31:43,520
Speaker 2: the budget, whether you're a freelancer, a full time whoever,

682
00:31:44,200 --> 00:31:47,440
Speaker 2: that they are thinking about. Am I paying people fairly

683
00:31:47,880 --> 00:31:51,400
Speaker 2: and looking at this person's resume comparing it to someone

684
00:31:51,480 --> 00:31:54,280
Speaker 2: similar on our staff, why is it that he or

685
00:31:54,360 --> 00:31:56,800
Speaker 2: she is earning more or less. I don't think that

686
00:31:56,880 --> 00:32:00,480
Speaker 2: there's enough pressure on management to make that those types

687
00:32:00,520 --> 00:32:04,200
Speaker 2: of calls, and I wish that there was more Earlier today,

688
00:32:04,200 --> 00:32:07,000
Speaker 2: I saw this the headline that you know the crown

689
00:32:07,200 --> 00:32:09,720
Speaker 2: that was one of the more more recent like public

690
00:32:11,200 --> 00:32:13,120
Speaker 2: kind of embarrassing things where they found We found out

691
00:32:13,160 --> 00:32:16,720
Speaker 2: that that show The Crown on Netflix, the main actress, Clairefoy,

692
00:32:16,760 --> 00:32:21,000
Speaker 2: who plays Queen Elizabeth, was paid significantly less than her

693
00:32:21,120 --> 00:32:23,520
Speaker 2: male co star, who is like a supporting actor and

694
00:32:23,680 --> 00:32:26,360
Speaker 2: is not in you know, she's in basically every single

695
00:32:26,480 --> 00:32:29,080
Speaker 2: scene and has been nominated for awards in YadA YadA.

696
00:32:29,560 --> 00:32:31,320
Speaker 2: So it came out that she made like hundreds of

697
00:32:31,360 --> 00:32:34,760
Speaker 2: thousands of dollars less than him, even though they're on

698
00:32:34,760 --> 00:32:36,800
Speaker 2: the same show and she does way more. And then

699
00:32:36,880 --> 00:32:41,080
Speaker 2: today this has been like weeks later, they announced that

700
00:32:41,160 --> 00:32:43,920
Speaker 2: she's going to receive two hundred and seventy five thousand

701
00:32:43,960 --> 00:32:48,200
Speaker 2: dollars in back pay after all the controversy to basically

702
00:32:48,320 --> 00:32:50,520
Speaker 2: like make her even with what I don't know if

703
00:32:50,560 --> 00:32:53,360
Speaker 2: it's basically to make her even with this guy, right,

704
00:32:53,720 --> 00:32:57,560
Speaker 2: So for me, that shows like it's not her fault

705
00:32:57,640 --> 00:33:00,760
Speaker 2: that she was making less, you know, it's why did

706
00:33:00,920 --> 00:33:03,840
Speaker 2: that company or Netflix or whoever, why did they decide

707
00:33:04,120 --> 00:33:06,600
Speaker 2: they were the ones who decided that you deserve less

708
00:33:06,880 --> 00:33:09,959
Speaker 2: than this guy? Like why weren't there Why wasn't there

709
00:33:10,080 --> 00:33:14,240
Speaker 2: more discussion around them? And I just feel like so

710
00:33:14,440 --> 00:33:18,360
Speaker 2: often we are almost victim shaming not that you know, victim.

711
00:33:18,360 --> 00:33:19,880
Speaker 2: I don't want to throw with a word victim around,

712
00:33:19,920 --> 00:33:22,640
Speaker 2: but like shaming the woman for not doing more, you know,

713
00:33:22,720 --> 00:33:25,520
Speaker 2: go into an interview and talk tough and read these

714
00:33:25,560 --> 00:33:27,320
Speaker 2: tips on how to negotiate. And I'm taking some of

715
00:33:27,400 --> 00:33:29,480
Speaker 2: the blame here because I've written some of those articles

716
00:33:29,520 --> 00:33:32,840
Speaker 2: and it's helpful to know and understand understand what makes

717
00:33:33,360 --> 00:33:36,880
Speaker 2: what makes a good negotiation. But I, and especially in

718
00:33:36,960 --> 00:33:39,080
Speaker 2: my role as a manager, I take it upon my

719
00:33:39,680 --> 00:33:42,160
Speaker 2: damn self to make sure that I'm paying people equally.

720
00:33:42,240 --> 00:33:44,680
Speaker 2: And I just did I do. I manage a lot

721
00:33:44,720 --> 00:33:47,320
Speaker 2: of freelancers, for example, like a lot of freelance writers,

722
00:33:48,600 --> 00:33:50,400
Speaker 2: and one of the recent one of the things I

723
00:33:50,440 --> 00:33:52,880
Speaker 2: do every month is take a look at because I

724
00:33:53,000 --> 00:33:56,480
Speaker 2: do pay my top tier writers more than the others.

725
00:33:56,880 --> 00:34:00,280
Speaker 2: And I realized this month one of the writers who

726
00:34:00,760 --> 00:34:04,040
Speaker 2: I constantly go too because she's super reliable, is not

727
00:34:04,320 --> 00:34:07,520
Speaker 2: in the highest pay grade. And I'm not waiting for

728
00:34:07,560 --> 00:34:09,719
Speaker 2: her to ask me to give her more money. While

729
00:34:09,760 --> 00:34:12,439
Speaker 2: I know a lot of people would do that, I'm like, well,

730
00:34:12,760 --> 00:34:16,000
Speaker 2: it makes no sense why she is making less than

731
00:34:16,040 --> 00:34:18,000
Speaker 2: these other top tier people. She deserves to be in

732
00:34:18,040 --> 00:34:21,680
Speaker 2: this in this in this group. And hell, like if I,

733
00:34:21,920 --> 00:34:23,920
Speaker 2: if I bump her into this group, maybe she'll want

734
00:34:23,920 --> 00:34:26,080
Speaker 2: to write more for us. And of course I you know,

735
00:34:26,120 --> 00:34:28,200
Speaker 2: I just did it and I sent her an email saying, hey,

736
00:34:28,239 --> 00:34:30,400
Speaker 2: by the way, I gave you a pay pay raise, congrats,

737
00:34:30,560 --> 00:34:32,840
Speaker 2: you know, because I could do it. And it's not

738
00:34:32,920 --> 00:34:35,200
Speaker 2: like I don't have the money to not do it that. Yeah,

739
00:34:35,600 --> 00:34:37,479
Speaker 2: it's just it's just you have to take the time

740
00:34:38,160 --> 00:34:41,640
Speaker 2: and think about that. So that's my my my break

741
00:34:41,880 --> 00:34:45,160
Speaker 2: for putting too much of the onus on women too

742
00:34:46,000 --> 00:34:48,400
Speaker 2: to uh to earn more. And you know, like studies

743
00:34:48,400 --> 00:34:50,920
Speaker 2: show that you can be you're judged more harshly as

744
00:34:50,920 --> 00:34:53,560
Speaker 2: a woman if you're like a tough negotiator, you know,

745
00:34:53,800 --> 00:35:11,640
Speaker 2: so damned if you do, damned if you don't. Sometimes, well,

746
00:35:11,719 --> 00:35:15,680
Speaker 2: let's move on to some questions. What's your and you

747
00:35:15,760 --> 00:35:17,640
Speaker 2: guys please send us your questions. You can hit us

748
00:35:17,719 --> 00:35:20,640
Speaker 2: up at bron Ambition Podcast at gmail dot com to

749
00:35:20,760 --> 00:35:23,560
Speaker 2: send us a question directly or leave us go to

750
00:35:23,760 --> 00:35:28,319
Speaker 2: our website Brian Ambition podcast dot com and ask us

751
00:35:28,360 --> 00:35:32,239
Speaker 2: a question on the site as well. The meilbox this

752
00:35:32,360 --> 00:35:34,040
Speaker 2: week was a little thin, you guys, And I'm just

753
00:35:34,120 --> 00:35:39,320
Speaker 2: kind of sad for me. Love our questions. Hold on,

754
00:35:39,880 --> 00:35:41,319
Speaker 2: I accidentally minimize the box.

755
00:35:43,280 --> 00:35:46,680
Speaker 1: Yeah, definitely asked because we do really love honestly answering

756
00:35:46,719 --> 00:35:48,919
Speaker 1: you guys this questions. And when you ask a question,

757
00:35:48,960 --> 00:35:50,960
Speaker 1: there's always somebody out there in the audience it's like, well,

758
00:35:51,040 --> 00:35:52,640
Speaker 1: me too, me too, Thank you for asking that.

759
00:35:53,000 --> 00:35:54,640
Speaker 2: Do you have to pay like five hundred dollars to

760
00:35:54,719 --> 00:35:56,680
Speaker 2: the me too movement whenever you say me too?

761
00:35:56,760 --> 00:36:00,319
Speaker 1: Now? I know, I do know, I don't know. Ah,

762
00:36:01,160 --> 00:36:03,040
Speaker 1: oh my goodness. Running a business. I was just thinking

763
00:36:03,040 --> 00:36:05,279
Speaker 1: about like a trademarking stuff. There was stuff that like

764
00:36:05,320 --> 00:36:07,120
Speaker 1: I need to trademark, and you're like, everything is just

765
00:36:07,280 --> 00:36:13,320
Speaker 1: so pricey. You know. I'll tell you a little secret, like,

766
00:36:13,440 --> 00:36:16,600
Speaker 1: now that I've locked it down, why did I lose

767
00:36:16,680 --> 00:36:19,960
Speaker 1: the trademark to the budgetiese. No, but it's okay for

768
00:36:20,120 --> 00:36:22,359
Speaker 1: those of you listening, I have it back, okay, because

769
00:36:22,360 --> 00:36:23,320
Speaker 1: I was like, I was not going to say it

770
00:36:23,360 --> 00:36:25,160
Speaker 1: obviously until I had it back, because so I was like, oh,

771
00:36:25,200 --> 00:36:27,680
Speaker 1: I'm good. So I didn't. It was a mistake. I

772
00:36:27,840 --> 00:36:31,200
Speaker 1: thought trademarks lasted ten years, and they do, but you

773
00:36:31,360 --> 00:36:34,320
Speaker 1: have to like renew it after the first five and

774
00:36:34,440 --> 00:36:36,400
Speaker 1: then it last ten. But I didn't know that and

775
00:36:36,440 --> 00:36:37,880
Speaker 1: all my stuff, like I don't know where they were

776
00:36:37,920 --> 00:36:40,600
Speaker 1: sending the mail to. It wasn't until like a bunch

777
00:36:40,640 --> 00:36:43,319
Speaker 1: of lawyers kept calling me asking me like, hey, would

778
00:36:43,360 --> 00:36:45,760
Speaker 1: you like to something like get back to the budget

779
00:36:45,800 --> 00:36:47,520
Speaker 1: needs to trademark. I'm like, what are you talking about?

780
00:36:47,560 --> 00:36:49,960
Speaker 1: I owned the trademarkets. I only been back years and

781
00:36:50,040 --> 00:36:51,719
Speaker 1: I looked. I was like, oh, maybe I don't so

782
00:36:51,920 --> 00:36:53,680
Speaker 1: this was this happened last year because it takes about

783
00:36:54,520 --> 00:36:57,680
Speaker 1: I want to say, six to twelve months for the

784
00:36:57,719 --> 00:37:00,759
Speaker 1: whole process, so I had to reapply. I actually used

785
00:37:00,800 --> 00:37:03,080
Speaker 1: legal Zoom and it was super easy. I had to

786
00:37:03,160 --> 00:37:04,920
Speaker 1: reapply and I got it back. But I was like,

787
00:37:05,040 --> 00:37:05,880
Speaker 1: oh MG, can you.

788
00:37:05,920 --> 00:37:08,279
Speaker 2: Imagine I'm stressed out just thinking about it.

789
00:37:08,440 --> 00:37:10,399
Speaker 1: I was spending bullets like I would say, like maybe

790
00:37:10,480 --> 00:37:12,160
Speaker 1: like two weeks ago, I got the I got the

791
00:37:12,440 --> 00:37:14,520
Speaker 1: trademark paper in the midil like, hey, Tippy, the budget

792
00:37:14,520 --> 00:37:19,360
Speaker 1: needsa belongs to you again. Oh my god. So trademark

793
00:37:19,400 --> 00:37:22,080
Speaker 1: your stuff, guys, it's worth it. And legal Zoom, you know,

794
00:37:22,239 --> 00:37:24,439
Speaker 1: although it's not great for everything, it's definitely what made

795
00:37:24,480 --> 00:37:25,720
Speaker 1: it made that process easier.

796
00:37:26,440 --> 00:37:31,200
Speaker 2: Oh okay, well, good poof. And by the way, Brian

797
00:37:31,239 --> 00:37:36,239
Speaker 2: Ambish's trademark don't try us, Yeah, don't don't try us. Okay,

798
00:37:36,280 --> 00:37:39,759
Speaker 2: here's a question from listener. Let me see if she

799
00:37:39,840 --> 00:37:41,799
Speaker 2: wants me to say her name out loud. She doesn't

800
00:37:41,840 --> 00:37:45,400
Speaker 2: say not to okay listener Marnie, She says, Hey, ladies.

801
00:37:45,440 --> 00:37:48,240
Speaker 2: First off, I love your podcast. It's been really helpful

802
00:37:48,320 --> 00:37:50,480
Speaker 2: as I begin to plan out my financial future and

803
00:37:50,560 --> 00:37:53,680
Speaker 2: take the appropriate steps. I just started a new job

804
00:37:53,880 --> 00:37:56,560
Speaker 2: and my company doesn't allow me to contribute to a

805
00:37:56,600 --> 00:37:59,400
Speaker 2: four to one K until after the first year. I

806
00:37:59,560 --> 00:38:01,680
Speaker 2: researched and I found out I could invest in a

807
00:38:01,719 --> 00:38:06,000
Speaker 2: regular IRA, but my maximum contribution each year would just

808
00:38:06,080 --> 00:38:09,720
Speaker 2: be six thousand dollars versus eighteen thousand, five hundred dollars

809
00:38:10,120 --> 00:38:12,839
Speaker 2: in a four to one K. I'm currently making forty

810
00:38:12,920 --> 00:38:15,680
Speaker 2: nine thousand dollars a year. What do you recommend as

811
00:38:15,760 --> 00:38:19,480
Speaker 2: the best step to maximize my retirement investment while I

812
00:38:19,560 --> 00:38:22,080
Speaker 2: wait out this year? I don't even know you make

813
00:38:22,160 --> 00:38:24,560
Speaker 2: forty nine thousand dollars a year. I don't even think

814
00:38:24,600 --> 00:38:27,960
Speaker 2: that you would realistically be able to get to eighteen thousand,

815
00:38:28,000 --> 00:38:32,680
Speaker 2: five hundred based on that salary. Unless you're living at

816
00:38:32,680 --> 00:38:35,480
Speaker 2: home and you have no expenses, I think that you'll

817
00:38:35,520 --> 00:38:39,520
Speaker 2: be fine just investing in a regular IRA or even

818
00:38:40,040 --> 00:38:42,680
Speaker 2: you don't mention it or not, but I'm hoping this

819
00:38:42,880 --> 00:38:45,960
Speaker 2: means that you have a savings account emergency savings fun

820
00:38:46,120 --> 00:38:48,920
Speaker 2: on the side. If you don't, I would say focus

821
00:38:49,000 --> 00:38:51,640
Speaker 2: on building that up your first year. If anything, you're

822
00:38:51,680 --> 00:38:53,840
Speaker 2: only making forty nine thousand dollars a year, so it

823
00:38:53,920 --> 00:38:55,440
Speaker 2: may take you a little bit of time just to

824
00:38:55,520 --> 00:38:58,399
Speaker 2: get to you know, the recommended like three to six

825
00:38:58,520 --> 00:39:01,239
Speaker 2: months worth of savings on the side, and then once

826
00:39:01,400 --> 00:39:03,239
Speaker 2: the year is up, then you're you know, you're kind

827
00:39:03,280 --> 00:39:05,320
Speaker 2: of ready and you can start contributing to that, to

828
00:39:05,440 --> 00:39:06,080
Speaker 2: that four one K.

829
00:39:06,400 --> 00:39:10,239
Speaker 1: And also too, like I think sometimes like even if

830
00:39:10,280 --> 00:39:13,320
Speaker 1: it's not your retirement fund, it doesn't mean that you

831
00:39:13,440 --> 00:39:16,840
Speaker 1: can't set aside money like you know, and be just

832
00:39:17,000 --> 00:39:19,719
Speaker 1: investing for wealth. You know, so yes, you're not going

833
00:39:19,800 --> 00:39:23,080
Speaker 1: to get the tax benefit, but there's still a benefit

834
00:39:23,200 --> 00:39:25,799
Speaker 1: for investing for wealth. So like Mandy said, you're you're

835
00:39:25,880 --> 00:39:30,440
Speaker 1: unlikely to max out at eighteen thousand dollars, but you know,

836
00:39:30,560 --> 00:39:33,920
Speaker 1: on the off chance, just in general, knowing that retirement

837
00:39:34,040 --> 00:39:37,520
Speaker 1: is not the only way to invest if you're limited

838
00:39:37,600 --> 00:39:40,400
Speaker 1: in that way. You know, I have an account to

839
00:39:40,480 --> 00:39:43,040
Speaker 1: invest for wealth, and I have a portfolio to invest

840
00:39:43,120 --> 00:39:46,200
Speaker 1: for retirement, and both of those things are useful and good.

841
00:39:47,320 --> 00:39:50,840
Speaker 1: Absolutely maybe knowing stuff.

842
00:39:50,719 --> 00:39:52,600
Speaker 2: But good that you're getting started. Believe me, it's not

843
00:39:52,719 --> 00:39:54,800
Speaker 2: easy to get to eighteen thousand, five hundred when you

844
00:39:54,840 --> 00:39:58,080
Speaker 2: consider like all your other expenses and stuff. And just

845
00:39:58,160 --> 00:40:02,520
Speaker 2: to be clear, the to a limit on IRA contributions

846
00:40:02,960 --> 00:40:06,280
Speaker 2: is five five hundred dollars and she puts six thousand

847
00:40:06,320 --> 00:40:08,160
Speaker 2: in her message, but just so you know, we got

848
00:40:08,200 --> 00:40:09,919
Speaker 2: it right, and it's a little bit it's a little

849
00:40:09,960 --> 00:40:12,080
Speaker 2: bit higher. If you're age fifty year older is sixty

850
00:40:12,120 --> 00:40:15,480
Speaker 2: five hundred dollars. FYI, all right, thanks for your question,

851
00:40:15,560 --> 00:40:16,160
Speaker 2: miss Marnie.

852
00:40:16,800 --> 00:40:20,120
Speaker 1: I know I wanted to just end with social media time,

853
00:40:20,280 --> 00:40:22,120
Speaker 1: so let's get socioed. We'll have to figure out a

854
00:40:22,200 --> 00:40:23,880
Speaker 1: name for it. So you guys know that we have

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Speaker 1: an Instagram and our Instagram page is Manby.

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00:40:28,400 --> 00:40:30,560
Speaker 2: At Brown Enviition Podcast on Instagram.

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Speaker 1: So actually I'm gonna head over there now and I'm

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00:40:34,560 --> 00:40:36,160
Speaker 1: going to give somebody a little shout out, so we

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00:40:36,200 --> 00:40:39,680
Speaker 1: would love if under our most recent picture on Brown

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00:40:39,680 --> 00:40:43,640
Speaker 1: Ambition that you you know, you can ask a question,

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00:40:44,200 --> 00:40:47,000
Speaker 1: you could share some feedback. We're really just trying to

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00:40:47,040 --> 00:40:48,920
Speaker 1: get you know, our social pop in a little bit.

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00:40:49,160 --> 00:40:51,920
Speaker 1: If you're not following us, you played yourself. No seriously.

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Speaker 1: So this comment is from Amelia and her Instagram name

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00:40:57,600 --> 00:41:01,960
Speaker 1: is Emmy Marie B and she says, one of my

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00:41:02,040 --> 00:41:05,399
Speaker 1: Peruvian cousins died of a brain aneurysm at age fifteen. Wow,

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Speaker 1: in twenty seventeen. I definitely didn't know how much. I

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00:41:10,440 --> 00:41:13,720
Speaker 1: didn't know much about that either. Didn't the budget Lisa's

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00:41:13,800 --> 00:41:16,839
Speaker 1: husband survive one? Yes, he well he didn't. It didn't burst,

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00:41:16,920 --> 00:41:19,279
Speaker 1: but he had one. Thanks for getting the word out.

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00:41:19,320 --> 00:41:22,960
Speaker 1: Ba oh, thank you Emmy. Yeah, that last episode with

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Speaker 1: Sharon Eperson sharing how she survived her brain andurism, which

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00:41:27,320 --> 00:41:30,920
Speaker 1: is honestly very It's not common to survive and then

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00:41:31,000 --> 00:41:34,239
Speaker 1: to survive and to go back to the same kind

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00:41:34,280 --> 00:41:37,480
Speaker 1: of like mental capacity that you had before. It's like

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00:41:37,600 --> 00:41:40,040
Speaker 1: fifteen percent of people survived and then another fifteen percent

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00:41:40,080 --> 00:41:42,840
Speaker 1: of those people actually are the same. So that was

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00:41:42,880 --> 00:41:46,240
Speaker 1: an awesome episode and thank you. So if you guys

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Speaker 1: you know, want us to shout you out on the

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00:41:49,400 --> 00:41:53,320
Speaker 1: end of our next Brandabision episode. Head over to Instagram

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00:41:53,680 --> 00:41:56,319
Speaker 1: and say something on one of our posts. You never

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00:41:56,400 --> 00:41:57,160
Speaker 1: know we might see you.

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00:41:57,880 --> 00:42:01,800
Speaker 2: Say something nice, yes, story, tell us what your win is.

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00:42:01,880 --> 00:42:04,239
Speaker 2: I'm going to do a better job posting, but really

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00:42:04,320 --> 00:42:08,480
Speaker 2: appreciate you guys following us. And thank you to Amelia.

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00:42:09,400 --> 00:42:11,359
Speaker 1: Yeah, thank you Emilia. I actually really liked that name too.

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00:42:11,440 --> 00:42:13,719
Speaker 1: That's my that's my Nasty Clues name. But she has

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00:42:13,760 --> 00:42:18,359
Speaker 1: it with it. But I forgive you on that now,

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Speaker 1: see you next

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Speaker 2: Week, See you next week.