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Speaker 1: Hey, hey, hey, I gave you a tenor voice. You know,

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Speaker 1: everyone doesn't get that we're back. We're black and we're brown.

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Speaker 1: I'm Tippany you.

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Speaker 2: Guys, it's Mandy Happy Wednesday.

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Speaker 1: Yes, So what's happening in the atmosphere?

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Speaker 2: Mandra You know, well, first of all, we must apologize.

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Speaker 2: This is like the third year running. I've had it

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Speaker 2: on my calendar that it's Junenteenth's and our show always

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Speaker 2: airs the day before the day of, and I totally

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Speaker 2: forgot to mention it last week. But hope you guys.

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Speaker 2: I feel like Juneteenth is becoming a real It was

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Speaker 2: like this, uh, I don't know, margin on the margins

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Speaker 2: kind of holiday, but now it's becoming like a real

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Speaker 2: I'm just glad that it's a day that at least

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Speaker 2: it's an excuse to reflect and think about, you know,

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Speaker 2: how you can live our days every life in the

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Speaker 2: spirit of what our ancestors would have wanted for us.

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Speaker 1: Yeah, we are truly I think our ancestors wildest, wildest dreams, Yes, ma'am,

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Speaker 1: cause I think Tyler Perry. I don't know what award

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Speaker 1: he was getting. I don't know if it was BT Awards. Yes,

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Speaker 1: and so He shared how his studio used to be

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Speaker 1: a Confederate Army base and he was like, you know

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Speaker 1: the purpose of you know that those soldiers was to

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Speaker 1: try to maintain slavery for Negroes. And he's like, now

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Speaker 1: a negro owns this place. And I just thought, wow, wow, wow,

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Speaker 1: just I mean, just a few generations from you removed,

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Speaker 1: you know. Yeah.

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Speaker 2: You know people asked me when I got married in Savannah, Georgia,

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Speaker 2: because I got married not in not on you know,

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Speaker 2: a former plantation that as far as I could research,

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Speaker 2: but I did get married. You know, if I'm being

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Speaker 2: realistic one hundred percent, you look back a couple of

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Speaker 2: centuries ago, they were probably slaves working that land. I mean,

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Speaker 2: there were slaves all over the South and especially in Georgia,

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Speaker 2: And you know, did I feel some type of way

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Speaker 2: about getting married in that area? And for me, I felt,

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Speaker 2: you know, if my ancestors did work these lands, you

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Speaker 2: know what about it, like if they're you know, if

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Speaker 2: if in twenty seventeen, I was getting married there and

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Speaker 2: you know, in a in a multi racial marriage with

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Speaker 2: like a super diverse you know, wedding party and and

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Speaker 2: guests and everything, and I just that was kind of

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Speaker 2: how I made my peace with it, and yeah, I

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Speaker 2: mean you do. It's it's it's like part about remembering

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Speaker 2: the you know, just the bloody beginning and the tragic

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Speaker 2: beginning of every of the country and what it took

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Speaker 2: to get to where we are now and recognizing how

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Speaker 2: far we have to go.

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Speaker 1: Mm hmm. And it's just like it's just right spots

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Speaker 1: exactly because it shows it that like I mean, if

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Speaker 1: you because you're right, you had super I mean you

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Speaker 1: had Asian, you had white, you had like you had.

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Speaker 2: It wasn't intentional.

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Speaker 1: I'm like, it was definitely U went of weddings.

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Speaker 2: It did look like I was like a college brochure

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Speaker 2: and I picked out my wedding party, like and here's

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Speaker 2: the brown one and here's the No, it just felt.

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Speaker 1: But it was awesome and so but no, I think

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Speaker 1: that it's I'm not someone who thinks that you shouldn't

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Speaker 1: be on places where you know, enslaved people we were,

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Speaker 1: because the truth is, I don't know that you could

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Speaker 1: ever go anywhere then, you know. I think instead it's

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Speaker 1: our job and our duty to change the narrative of

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Speaker 1: our places by showing up and being who we are.

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Speaker 1: Now you know they they were so we could be

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Speaker 1: and so like yeah, I just like like I love

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Speaker 1: that Tyler bought that place. It was like, yeah, this

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Speaker 1: is what it was, you know, but I have I

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Speaker 1: have taken command of this place and it's you know exactly,

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Speaker 1: you know, changing that narrative. So I think that's awesome.

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Speaker 2: I was looking as we're going to Portugal in August,

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Speaker 2: and Portugal, if you have you ever been to the

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Speaker 2: this was something I didn't know. Maybe I should have

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Speaker 2: known this, but they didn't teach me this in high school.

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Speaker 2: That Portugal was really the the beginning of the slave trade,

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Speaker 2: one of the you know, the first countries to ship

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Speaker 2: slaves to the Americas. And I didn't know that until

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Speaker 2: I went to the African American History Museum in DC,

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Speaker 2: which if you guys haven't gone, you gotta go, but

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Speaker 2: give yourself, like at least two days to go through it.

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Speaker 2: Have you been TV?

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Speaker 1: What to that? Now? No, anyone thank you for saying that.

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Speaker 1: You know, they actually reached out to me. They want

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Speaker 1: me to do a panel.

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Speaker 2: I just forgot, but maybe don't. I mean, like it

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Speaker 2: is so heavy that we did you know the ground

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Speaker 2: you go below ground for the first portion of the museum,

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Speaker 2: which covers the beginning of the slave trade all the

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Speaker 2: way to kind of you know, the age of Oprah,

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Speaker 2: you know, modern day, and then back on the like

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Speaker 2: the upper half of the museum has exhibits some like

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Speaker 2: pop culture and all this kind of stuff. Well, we

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Speaker 2: did the bottom half and it was so emotionally draining

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Speaker 2: that we had to leave. It took us probably like

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Speaker 2: four hours to get through it, and then we just couldn't,

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Speaker 2: you know, do the rest of the museum that day,

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Speaker 2: So give yourself time. But anyway, Portugal, So what I

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Speaker 2: learned about Portugal, So we're going there in a couple

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Speaker 2: of in a month or so, and I was looking

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Speaker 2: for any opportunity to take a tour maybe like look

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Speaker 2: at some former landmarks, you know, to learn about the

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Speaker 2: origins of slavery. There's not a ton out there. But

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Speaker 2: I did read about one guy who's trying to start

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Speaker 2: some tours and I think he was inspired by the

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Speaker 2: museum here in DC. And there's like a growing movement

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Speaker 2: for the country itself to recognize it's it's the role

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Speaker 2: that it played in proliferating slavery and everything.

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Speaker 1: Wow wow, Yeah.

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Speaker 2: But I hope everybody had a good, good Juneteenth and

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Speaker 2: summertime is officially underway.

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Speaker 1: Yes, I can't wait. I'm going to my first summertime

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Speaker 1: barbecue this weekend, actually the twenty eighth, which I think

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Speaker 1: is a Friday. I don't even know, but it's my

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Speaker 1: anniversary this Friday. Yeah, this Friday. It's my anniversary two years.

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Speaker 1: And I asked super Man, you know, what do you

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Speaker 1: want to do, and he was like, moving to this house.

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Speaker 1: So that's what we're doing. It's so finally the house

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Speaker 1: is done, guys, we're gonna be moving in. Because I

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Speaker 1: was thinking like, maybe, well we could go to like

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Speaker 1: Cape may or something, but honestly, the move it's like

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Speaker 1: the house is absolutely gorgeous and we're just so excited

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Speaker 1: to be in it. So I was like, it doesn't

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Speaker 1: make sense to try to go away for the weekend

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Speaker 1: because we're just gonna be stressed about so when we

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Speaker 1: come back, how we're gonna move during the week you know. Yeah,

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Speaker 1: so yeah, we're just gonna So a friend of mine

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Speaker 1: has he has a really beautiful house that he renovated

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Speaker 1: not too far so his wife is an amazing I

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Speaker 1: don't think she's like officially a chef, but she needs

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Speaker 1: to be. She makes the most amazing food. I mean

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Speaker 1: it looks like a catered like a fair. And so

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Speaker 1: they're having like their annual barbecue and I was like, well,

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Speaker 1: this will we are this is we could celebrate right

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Speaker 1: there at the barbecue. I will be eating all the

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Speaker 1: things wait watchers be damned, even though it's been going good.

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Speaker 1: But I was like, I'm saving all my points for

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Speaker 1: the week. So yeah, so what it's like not just work,

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Speaker 1: but she makes like this, like lobster mac and cheek.

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Speaker 1: You literally have to go early. Like I'm gonna be like, sir,

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Speaker 1: if you're running late, I'll to meet you there because

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Speaker 1: you have to go early. Her food is so good.

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Speaker 1: So we're just gonna celebrate, like, you know, lightly and

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Speaker 1: moving to this house and really marvel at how far

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Speaker 1: we've come together. And yeah, someone a friend of mine

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Speaker 1: has a friend who was asking about me and saying, so,

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Speaker 1: how's bunch of Nista? She never posted about her husband

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Speaker 1: on social media? What's going on there? I was like,

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Speaker 1: do people really were on a bitch and listeners? Do

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Speaker 1: you throw me shay because I don't post about Superman?

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Speaker 2: Is it Pwitsville for the budgets Superman, and I'm like,

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Speaker 2: you know, but.

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Speaker 1: Here's the thing, Like, literally, I mean I don't even

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Speaker 1: think about it, truthfully, because one, I mean, he's not

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Speaker 1: like you know how like Chip and Joanna. That's not

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Speaker 1: what Superman like, you know. I mean, every once in

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Speaker 1: a while I post like if it's relevant. Quite honestly,

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Speaker 1: I don't even think about it, like we're just literally

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Speaker 1: living our lives, living a great life. Actually, but I

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Speaker 1: never thought about that that someone was like, what does

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Speaker 1: he even do? I'm like, I don't think they're out

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Speaker 1: of the.

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Speaker 2: Podcast, honey, I know, because I'm like, we talk to

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Speaker 2: We talked all the time.

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Speaker 1: It's probably at nausea and especially when we were getting

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Speaker 1: like engaged and married. But yeah, no, Superman is a

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Speaker 1: super I'm I always call him super Superman. Yeah, he's

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Speaker 1: super for the City of Newark and just just dope.

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Speaker 1: I mean, he's just a regular guy, but he's awesome.

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Speaker 1: And yeah, don't posting about him on social media like

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Speaker 1: a whole lot, just because the truth is, I have

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Speaker 1: like a social media team now, and so largely like

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Speaker 1: they post like what's appropriate to the Bunchinisia, which is

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Speaker 1: financed because at one point, my my ig my ig

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Speaker 1: was literally like a day in the life, like, hey,

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Speaker 1: eating some chicken. I'm like, tivioty, what does this have

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Speaker 1: to do with bunch? So they took over. They're like,

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Speaker 1: we're gonna bring it back to personal finance. So yeah,

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Speaker 1: so if you're wondering, we're actually good. Thanks for the concern. Yeah,

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Speaker 1: but and also too, I stopped posting him on Facebook

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Speaker 1: because I would post him and then women would go

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Speaker 1: send friend requests. Can you imagine? So that was a

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Speaker 1: little whatever. But yeah, I mean, nothing's wrong with me,

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Speaker 1: but I just thought that was so I never thought

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Speaker 1: that anybody would even care or think about it, Like,

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Speaker 1: you know, it's just weird to me because I'm like,

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Speaker 1: what Superman, who's downstairs right now packing all these boxes

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Speaker 1: so we can move out of this place.

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Speaker 2: If you judge my marriage by my Instagram, you think

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Speaker 2: that I left him for my dog, Molly's. I cannot

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Speaker 2: stop myself, and like, I understand that people will probably

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Speaker 2: unfollow me once I got so many friend requests the

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Speaker 2: past Instagram requests the past couple of weeks, and I'm like,

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Speaker 2: y'all all ready for this because there's nothing but my dog.

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Speaker 2: I don't know what you want. I had no advice

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Speaker 2: for you. I got no words of wisdom. Here's my

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Speaker 2: adorable Dog're like, here's.

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Speaker 1: The money man, the money.

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Speaker 2: I mean, listen, I don't have a brand like Tiffany

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Speaker 2: to maintain.

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Speaker 1: No, But I understand, like, I mean, I get the curiosity,

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Speaker 1: but I just like, it's so weird that you think

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Speaker 1: that people are curious about like, you know, because I

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Speaker 1: feel like, especially here on the podcast, we talked so freely,

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Speaker 1: so clearly she must not listening to arounhmbition because I'm like, well,

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Speaker 1: what are you talking about? Ago? But I just thought

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Speaker 1: that was hilarious. She was like, yeah, girl, he inquiring

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Speaker 1: minds want to know. I'm like, okay, well were you God,

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Speaker 1: thanks for inquiring.

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Speaker 2: I guess I gotta do this. We got to talk

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Speaker 2: about this story really quick because I thought it was

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Speaker 2: kind of hilarious. So we all know, student loan debt

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Speaker 2: in America is just you know, a huge burden, and

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Speaker 2: the government, like the education departments being sued because programs

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Speaker 2: like public service loan forgiveness actually have not been forgiving

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Speaker 2: anybody's debt. Like very people even got you know, qualified

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Speaker 2: for that. Something like one hundred and fifty thousand people

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Speaker 2: are waiting in line right now.

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Speaker 1: See look, yeah, I'm still taking every time.

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Speaker 2: Oh hey, Superman, He's like, oh, I heard the Universe

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Speaker 2: told me I was being mentioned. I'm sorry, manager, go ahead,

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Speaker 2: It's okay anyway. Student loan debt, you know, it probably

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Speaker 2: touches every one of us who had the fortune of

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Speaker 2: going to college or misfortune depending on how you how

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Speaker 2: much debt you have, So you know, I'll be the

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Speaker 2: government is not is you know, is no guarantee that

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Speaker 2: your student loan debt will be forgiven even if you

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Speaker 2: do everything right. But there are There's this new app

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Speaker 2: that people got really excited about called Gibling, the Gibling

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Speaker 2: trivia app. Trivia apps are like a hot thing right now.

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Speaker 2: But basically it's the trivia app that you pay to play.

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Speaker 2: So it's like fifty cents. I think there's a free level,

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Speaker 2: and then you pay fifty cents to get additional credits

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Speaker 2: to pay to play bigger, larger levels, and the ultimate

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Speaker 2: goal is that you can win up to forty fifty

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Speaker 2: thousand dollars. That's like the grand prize. And people have

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Speaker 2: won the money and you know, they're able to use

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Speaker 2: it to pay off their student loan debt. But there's

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Speaker 2: a story on seeing Me See that I thought was crazy.

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Speaker 2: So because it's kind of a gamification kind of thing.

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Speaker 2: You have to pay to play at a certain level,

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Speaker 2: and then you have to like you can pay, you

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Speaker 2: can purchase like little items in the Gibling Trivia app

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Speaker 2: store to get more credits to play more rounds, and

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Speaker 2: people have been legit getting addicted to it, like the story.

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Speaker 2: The story interviewed some woman who spent forty two thousand

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Speaker 2: dollars to win and a guy who borrowed twenty thousand

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Speaker 2: dollars from his four oh one K did he win too?

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Speaker 2: And no, no, And like the people who were doing

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Speaker 2: it are like, you know they are you know, they've

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Speaker 2: they've done like other game shows and things like that.

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Speaker 2: And so now this this app that people were really

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Speaker 2: excited about, there's all these questions about whether it's is

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Speaker 2: it gambling? Is it really helping people pay off their

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Speaker 2: student loan debt? And I mean, it's so sad to

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Speaker 2: me that people are dipping into their four oh one K.

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Speaker 2: Don't do that. There's no easy way out of debt,

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Speaker 2: and this game is certainly not like you might as

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Speaker 2: well us go to your bodega and get a lotto ticket.

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Speaker 1: You know, that's literally what that is. I didn't know,

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Speaker 1: like that's crazy because I see, I'm like looking it

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Speaker 1: says the app is free, but I do know, like

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Speaker 1: the re Member candy Crush, you would have to like

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Speaker 1: buy these little like whatever it is. Wow, I guess

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Speaker 1: you have to just be mindful of yourself that if

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Speaker 1: you've got a personality that's like you know that leans

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Speaker 1: towards scambling and you might not even know until you

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Speaker 1: try something. But if you're someone who, yeah, there's typically

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Speaker 1: no easy way. I mean, we would all love an

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Speaker 1: easy way out of student loans. And unfortunately, like you said,

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Speaker 1: forgiveness is it has gotten even harder. It was hard before,

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Speaker 1: but it's even harder now. So I could see why

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Speaker 1: people turn to desperate measures. But forty thousand dollars to

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Speaker 1: win fifty thousand, you can do better at vegas.

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Speaker 2: I mean please, yeah, go to the slot machines or

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Speaker 2: you know, vote for candidates who maybe have some progressive

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Speaker 2: student loan policy ideas. And I know we're early, like

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Speaker 2: you know, as far as like election twenty twenty goes.

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Speaker 2: There's seventy eleven people running on the Democratic ticker right

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Speaker 2: now that it's just too many to pay attention to.

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Speaker 2: And I feel like I'm really going to start paying

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Speaker 2: attention in January. That's when I'll start tuning in. But

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Speaker 2: I have to say, if you're focusing on issues that

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Speaker 2: you want to look at, you know, I'm waiting on

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Speaker 2: candadates to come out with policies, for example, on healthcare,

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Speaker 2: student loans, and maternity family leave. Those are the three

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Speaker 2: that I care a lot about and really like, very

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Speaker 2: few if any candidates have had any real policies to share,

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Speaker 2: except for Elizabeth Warren and Bernie Sanders. So they both

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Speaker 2: come out with plans to cancel student loan debt and

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Speaker 2: really like have a much more progressive plan to get

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Speaker 2: rid of debt versus like public service loan forgiveness, which,

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Speaker 2: to be fair to you know, President you know who,

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Speaker 2: it wasn't his program. However under his watch it has

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Speaker 2: been completely useless to people. Was meant to help. But

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Speaker 2: their plans would basically, like Bernie Sanders would have forgive

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Speaker 2: it everyone's debt, like cancel it like zero it out

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Speaker 2: within six months, which sounds to me like too crazy

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Speaker 2: to actually, yeah, like possible, But that's why he's so progressive.

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Speaker 2: Lizzie Warren's plan would pay for pay to forget most

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Speaker 2: people's debt, except for people who you know, have proven

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Speaker 2: income that they can afford their debt, which is like

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Speaker 2: ninety five percent of people.

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Speaker 1: Okay.

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Speaker 2: The way that she would pay for it is by

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Speaker 2: implementing and partly by implementing a wealth tax, a private

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Speaker 2: wealth tax, which would hit families who have over fifty

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Speaker 2: million dollars in assets. So like the top point zero

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Speaker 2: zero zero zero er is zero one percent, yeah, which

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Speaker 2: to me sounds a bit more realistic.

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Speaker 1: So yeah, but you know, those people also also have

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Speaker 1: like a lot of political power and pull to lobby

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Speaker 1: and this and that. So I don't know how she'd

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Speaker 1: be able to get that passed.

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Speaker 2: I think there's like the wealth tax, there's it's gaining support,

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Speaker 2: Like there is a medium like these eleven or eighteen

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Speaker 2: millionaires or however billionaires whatever they are, they got together

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Speaker 2: and posted on medium they were like, please tax us.

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Speaker 1: Okay, well that's good. I'd should to say they're probably

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Speaker 1: in the minority, but I mean, I agree, it doesn't

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Speaker 1: you know, I'm not gonna lie. I feel uncomfortable. That's

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Speaker 1: that there are times like were my tax rate with

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Speaker 1: the new Trump laws, my tax rate as Tiffany the

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Speaker 1: baby millionaire are lower than my tax rate as Tiffany

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Speaker 1: the preschool teacher. That's crazy. The preschool teacher needed the help,

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Speaker 1: I don't, you know. And that the thing is my

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Speaker 1: taxes weren't this rate before, but now they are, and

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Speaker 1: so like yeah, it's just it's ridiculous, like it's it's

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Speaker 1: it doesn't make sense. I believe my business tax rate

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Speaker 1: went from thirty five percent, I think the twenty one

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Speaker 1: percent and then anything that bills over after that me

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Speaker 1: personally as fifteen percent, but as Tiffany the teacher, I

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Speaker 1: think I was at twenty or twenty five percent. That's crazy.

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Speaker 1: Why I don't mind paying what to do? You know?

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Speaker 1: Like me is Tiffany, I was paying it before. I

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Speaker 1: just it doesn't make sense. Like when people were like, yay,

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Speaker 1: we're gonna get remember when everyone finally got their refunds

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Speaker 1: and they realized that this new tax law wasn't so

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Speaker 1: great after all, because it wasn't helping anyone that was

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Speaker 1: actually needing the help. I was looking and I was like,

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Speaker 1: you know, my accountant Carls, was like, yeah, you're you

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Speaker 1: know you tax figure is going to drop. I'm like,

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00:17:01,240 --> 00:17:05,560
Speaker 1: what what why? I mean not, I mean, I guess

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Speaker 1: it's nice to pay less.

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Speaker 2: But what doesn't is you're turning a Republican.

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Speaker 1: No, I honestly, I honestly was like, it doesn't make sense,

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Speaker 1: you know, like, yeah, it doesn't make sense. And honestly,

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Speaker 1: it's not fair because you are penalizing people for being

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Speaker 1: for being regular, like for like you know, like preschool

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Speaker 1: teacher tipany she needed fifteen percent, not me. Now I

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Speaker 1: can't afford to pay more. And I don't mind paying

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Speaker 1: more because I know it's supposed to contribute to the

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Speaker 1: betterment of everyone. And so yeah, I just well, chah,

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Speaker 1: let's see this next election. It's going to be a

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Speaker 1: who is part of my French? A shit show? A

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00:17:43,160 --> 00:17:45,520
Speaker 1: lot of people say part of my French Like when

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Speaker 1: they curse, what does that come from?

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Speaker 2: Maybe the French are known for their vulgarity.

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Speaker 1: I don't know many French because I was just thinking that,

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00:17:53,840 --> 00:17:56,520
Speaker 1: like people are like part of my friends. Shit.

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Speaker 2: You're like, wait does that how does one say should

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Speaker 2: show en Francis, all right, well, anyway, this is your

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00:18:06,280 --> 00:18:10,440
Speaker 2: this is your little mini twenty twenty election debate reminder.

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Speaker 2: Tomorrow there is a debate. So if you're interested to

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00:18:12,320 --> 00:18:15,160
Speaker 2: see what these twenty eleven seventy eleven candidates have to say,

365
00:18:15,560 --> 00:18:17,880
Speaker 2: if you're trying to whittle out to see who's legit

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00:18:17,880 --> 00:18:19,879
Speaker 2: and who's not, you can tune in on the twenty

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00:18:20,240 --> 00:18:25,080
Speaker 2: what's tomorrow the twenty sixth Wednesday, and there's another debate

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Speaker 2: the twenty eighth or twenty seventh on Thursday.

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Speaker 1: Now it's time we're into questions to answer questions from

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Speaker 1: all our families. See this is not even at the end.

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Speaker 1: Q U E s T I. Oh, And that's why

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00:19:13,080 --> 00:19:14,359
Speaker 1: I felt like I didn't whatever.

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Speaker 2: I was just thrown off by the Mickey Mouse in

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Speaker 2: the middle of the show.

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Speaker 1: I keep it going your toes. One time in one

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00:19:23,520 --> 00:19:25,680
Speaker 1: of my videos, like I was like saying, hey, sign

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00:19:25,760 --> 00:19:27,679
Speaker 1: up for a free class or something like that, and

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00:19:27,760 --> 00:19:30,040
Speaker 1: I felt budgets and I forgot the D. I was like,

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00:19:30,119 --> 00:19:35,879
Speaker 1: b U g E D. I did not notice until

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00:19:35,920 --> 00:19:37,760
Speaker 1: someone was like pretty sure they'd be in.

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Speaker 2: There, was like, yeah, there is I know the internet, but.

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Speaker 1: It was hilarious because my my video editor. He was like,

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00:19:47,160 --> 00:19:49,160
Speaker 1: he put the numbers on the screen and said BU

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Speaker 1: and when it came to the D there was a

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Speaker 1: question mark and then he went on. I was like, oh,

386
00:19:53,160 --> 00:19:54,960
Speaker 1: so you're petty, but I just thought it was hilary.

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Speaker 1: He's like, you want me to keep it? I might

388
00:19:56,000 --> 00:19:57,680
Speaker 1: keep it because I think people will get a kick

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00:19:57,720 --> 00:20:01,879
Speaker 1: out of it. But yeah, I'm not seems just like us.

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00:20:03,480 --> 00:20:06,199
Speaker 1: So we have any good question on you guys have

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00:20:06,200 --> 00:20:08,600
Speaker 1: been doing really great questions please, but I really appreciate them.

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00:20:08,760 --> 00:20:11,120
Speaker 2: Yeah, thank you guys for sending us your questions. I'm

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00:20:11,119 --> 00:20:13,600
Speaker 2: gonna skip to the gram skip skip, skip to the

394
00:20:13,680 --> 00:20:15,760
Speaker 2: gram again. You guys can hit us up on Instagram

395
00:20:15,760 --> 00:20:19,560
Speaker 2: with your questions at Brand Ambition Podcast and I check

396
00:20:19,640 --> 00:20:21,879
Speaker 2: those every week and we've got a couple there. You

397
00:20:21,880 --> 00:20:24,480
Speaker 2: can still email us if you'd like to. If you

398
00:20:24,720 --> 00:20:27,480
Speaker 2: like me get annoyed typing into a tiny phone. Sometimes,

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00:20:28,400 --> 00:20:31,240
Speaker 2: you can go to Brand Ambition Podcast at gmail dot

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00:20:31,280 --> 00:20:33,960
Speaker 2: com to answer your question, and I promise I will

401
00:20:34,000 --> 00:20:36,879
Speaker 2: answer at least one question from email along with your

402
00:20:36,920 --> 00:20:41,000
Speaker 2: Instagram questions, so you don't feel like I am favoring

403
00:20:41,600 --> 00:20:45,520
Speaker 2: favoring any one person. So here we go, let's see

404
00:20:45,680 --> 00:20:49,680
Speaker 2: so here. This question comes from Instagram user named Sinclair

405
00:20:49,880 --> 00:20:53,199
Speaker 2: at Nachos and A. She says, Hi, ladies, I love

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00:20:53,240 --> 00:20:56,400
Speaker 2: your podcast. I'm the only person in my family who

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00:20:56,440 --> 00:21:00,520
Speaker 2: has any semblance of financial understanding and planning. My niece

408
00:21:00,560 --> 00:21:03,080
Speaker 2: is twenty and just got her first job. I'm trying

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Speaker 2: to convince her to open a checking and savings account

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00:21:05,720 --> 00:21:09,400
Speaker 2: and to start setting a little bit aside for emergency savings. However,

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00:21:09,520 --> 00:21:13,120
Speaker 2: her financially illiterate parents full shade her words, not mine,

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00:21:13,680 --> 00:21:17,959
Speaker 2: ardently her financial Her financially illiterate parents are telling her

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00:21:18,040 --> 00:21:20,159
Speaker 2: not to open any type of account and just to

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00:21:20,240 --> 00:21:24,240
Speaker 2: keep cash. Sounds like my dad. I've known her parents

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00:21:24,320 --> 00:21:26,760
Speaker 2: my whole life, and I know this is a mistake.

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00:21:27,080 --> 00:21:29,520
Speaker 2: Her money will just get lost and no one has

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00:21:29,560 --> 00:21:32,000
Speaker 2: seen it if she does that, How do I convince

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00:21:32,000 --> 00:21:33,879
Speaker 2: her that she needs to get an account so that

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00:21:33,920 --> 00:21:36,600
Speaker 2: her money is sitting some more safer than her underwear drawer.

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00:21:38,680 --> 00:21:42,160
Speaker 2: So I have been trying to convince my dad. And

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00:21:42,280 --> 00:21:43,760
Speaker 2: I won't tell you where he lives so you can

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00:21:43,760 --> 00:21:46,560
Speaker 2: go rob him, But I mean, I don't think you'd

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00:21:46,560 --> 00:21:50,480
Speaker 2: find very much. But literally, the man bald up socks,

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00:21:50,920 --> 00:21:54,360
Speaker 2: balled up mattresses, just all the linens in his closet.

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00:21:54,840 --> 00:21:57,159
Speaker 2: You know, that is where he stashes stuff. And it

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00:21:57,240 --> 00:22:01,200
Speaker 2: is just like boggling to me. But anyway, he he's

427
00:22:01,200 --> 00:22:03,520
Speaker 2: a lost cause he's almost sixty years old. I'm not.

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00:22:03,880 --> 00:22:07,000
Speaker 1: We're here, right, we're here, right, we're here now, we're right.

429
00:22:07,080 --> 00:22:11,000
Speaker 1: But for this young woman, there's hope. There is hope.

430
00:22:11,080 --> 00:22:14,639
Speaker 1: And I would here's the thing, like, especially when it

431
00:22:14,680 --> 00:22:17,720
Speaker 1: comes to young people, you know, the lecture, nobody cares.

432
00:22:17,840 --> 00:22:20,399
Speaker 1: Nobody cares. Instead, you have to figure out how do

433
00:22:20,520 --> 00:22:23,000
Speaker 1: I get her to want to? So I would say

434
00:22:23,040 --> 00:22:26,879
Speaker 1: something like, you know, like you should definitely open the

435
00:22:26,960 --> 00:22:29,440
Speaker 1: checking account because you get direct deposit and sometimes you

436
00:22:29,560 --> 00:22:32,760
Speaker 1: actually get paid a day sooner. That way, the money's

437
00:22:32,800 --> 00:22:35,240
Speaker 1: inside your account. So you see, like there's a benefit

438
00:22:35,600 --> 00:22:38,480
Speaker 1: to not cashing out your money that if it lands

439
00:22:38,480 --> 00:22:41,840
Speaker 1: in your checking account. Girl, you know, like like you

440
00:22:41,920 --> 00:22:44,040
Speaker 1: know for sure got by paycheck and you can't lose

441
00:22:44,080 --> 00:22:46,240
Speaker 1: it if you go to the check cashing place, do

442
00:22:46,280 --> 00:22:49,840
Speaker 1: you know they take whatever percentage. So literally, in order

443
00:22:49,840 --> 00:22:51,360
Speaker 1: for you to get your money, you have to spend

444
00:22:51,440 --> 00:22:54,240
Speaker 1: money to get your money. I would lean into the

445
00:22:54,320 --> 00:22:57,760
Speaker 1: benefits rather than the are you crazy, that's foolish, you

446
00:22:57,760 --> 00:23:01,320
Speaker 1: know what I mean? Like so that I would do

447
00:23:01,320 --> 00:23:06,720
Speaker 1: that to start, like having her understand like you need

448
00:23:06,760 --> 00:23:09,160
Speaker 1: to save, you need to that's gonna be too much

449
00:23:09,240 --> 00:23:11,520
Speaker 1: because she has to relearn a lot of things or

450
00:23:11,560 --> 00:23:14,399
Speaker 1: just learn in general. So just start with super simple

451
00:23:14,800 --> 00:23:17,240
Speaker 1: opening up a checking account. That's it. Get her to

452
00:23:17,240 --> 00:23:19,440
Speaker 1: open it up, because she's gonna get her direct deposit,

453
00:23:19,520 --> 00:23:21,600
Speaker 1: get her money a little sooner. She's not gonna have

454
00:23:21,640 --> 00:23:23,320
Speaker 1: to wait. She's not gonna have to go to check

455
00:23:23,320 --> 00:23:27,240
Speaker 1: cashing and spend money that way. I like, there's a

456
00:23:27,240 --> 00:23:30,119
Speaker 1: story of a woman who I know. She she cashed

457
00:23:30,119 --> 00:23:32,040
Speaker 1: her refund check a few thousand dollars at the check

458
00:23:32,040 --> 00:23:35,360
Speaker 1: cashing place and lost the money, and so like sharing

459
00:23:35,400 --> 00:23:37,080
Speaker 1: that kind of stuff like that's why I used to

460
00:23:37,119 --> 00:23:38,840
Speaker 1: really open a check account so that way you know

461
00:23:38,920 --> 00:23:41,720
Speaker 1: your money has landed there. And then once she does that,

462
00:23:41,800 --> 00:23:44,720
Speaker 1: then you can start working toward you know, like you

463
00:23:44,880 --> 00:23:47,560
Speaker 1: you have one hundred dollars left of in your checking girl,

464
00:23:47,600 --> 00:23:49,520
Speaker 1: you know you can make some interest, even if it's

465
00:23:49,520 --> 00:23:51,080
Speaker 1: just two or three dollars. You should put it in

466
00:23:51,119 --> 00:23:54,120
Speaker 1: this online only savings account. Because they're actually gonna pay

467
00:23:54,160 --> 00:23:56,119
Speaker 1: you money for keeping you money here. But do you

468
00:23:56,160 --> 00:23:59,080
Speaker 1: see how you have to build when someone is adverse

469
00:23:59,119 --> 00:24:03,879
Speaker 1: to making financial choices. I lean toward the positivity of

470
00:24:03,920 --> 00:24:06,600
Speaker 1: it all and then building once I've gotten them to

471
00:24:06,600 --> 00:24:07,719
Speaker 1: make take one step.

472
00:24:08,640 --> 00:24:11,840
Speaker 2: Yeah, And I feel like, you know, to be honest.

473
00:24:12,280 --> 00:24:14,199
Speaker 2: And I have friends who do this. They like to

474
00:24:14,240 --> 00:24:15,760
Speaker 2: keep a little bit of cash in the house for

475
00:24:15,840 --> 00:24:18,840
Speaker 2: like the zombie apocalypse, you know, if it ever happens.

476
00:24:19,080 --> 00:24:21,399
Speaker 2: And I'm cool with that. You know, I'm stockpiling bottles

477
00:24:21,440 --> 00:24:24,439
Speaker 2: of water for the same reason. But you can think of,

478
00:24:24,480 --> 00:24:26,080
Speaker 2: like how much, pointy, do you really need to have

479
00:24:26,160 --> 00:24:28,560
Speaker 2: lying around the house? A couple hundred bucks, one hundred bucks,

480
00:24:28,560 --> 00:24:30,840
Speaker 2: And like, once she has that, maybe it's a good

481
00:24:30,880 --> 00:24:33,240
Speaker 2: tool just to get her to start thinking about saving.

482
00:24:33,359 --> 00:24:35,119
Speaker 2: You know, let's try and save one hundred dollars so

483
00:24:35,160 --> 00:24:37,280
Speaker 2: you can put it in your you know, your sock

484
00:24:37,359 --> 00:24:40,000
Speaker 2: drawer and you have cash if an emergency comes up,

485
00:24:40,160 --> 00:24:41,760
Speaker 2: or you know, if you need to run for your

486
00:24:41,760 --> 00:24:44,800
Speaker 2: life and whatever the zombies are coming. And then that

487
00:24:44,840 --> 00:24:47,760
Speaker 2: starts building the habit. And if you're starting her first job,

488
00:24:47,920 --> 00:24:49,479
Speaker 2: like Tiffany said, it's going to be hard for her

489
00:24:49,520 --> 00:24:52,800
Speaker 2: to even not have direct deposit into a checking account,

490
00:24:53,640 --> 00:24:56,080
Speaker 2: like a lot of some companies you know, require it,

491
00:24:56,160 --> 00:24:57,879
Speaker 2: and they get all up in the arms if you

492
00:24:57,920 --> 00:25:00,680
Speaker 2: make them mail you a check, because actually host companies

493
00:25:00,680 --> 00:25:03,000
Speaker 2: to mail you checks. Yes, you know, it's it's an

494
00:25:03,040 --> 00:25:06,840
Speaker 2: expense for them. You could even show her, you know, once,

495
00:25:06,960 --> 00:25:09,879
Speaker 2: like Tiffany said, starting her off small, just like opening

496
00:25:09,920 --> 00:25:12,720
Speaker 2: and checking account, you know, just just just setting on

497
00:25:12,800 --> 00:25:15,199
Speaker 2: for a deposit and just doing something very small. And

498
00:25:15,240 --> 00:25:17,879
Speaker 2: then like once she's ready or once you feel like, okay,

499
00:25:17,920 --> 00:25:19,879
Speaker 2: it's been a month or two, maybe I'll start talking

500
00:25:19,880 --> 00:25:23,200
Speaker 2: to her about a savings account. Take one of those,

501
00:25:23,280 --> 00:25:26,560
Speaker 2: like take a calculator online and show her what would

502
00:25:26,560 --> 00:25:28,440
Speaker 2: happen to her money if she put it into a

503
00:25:28,440 --> 00:25:30,960
Speaker 2: savings account, even earning like two percent, you know, like

504
00:25:31,040 --> 00:25:33,880
Speaker 2: how much money she would earn versus how much money

505
00:25:33,960 --> 00:25:36,280
Speaker 2: she could lose if she just gets those checks and

506
00:25:36,320 --> 00:25:38,920
Speaker 2: cashes them, you know. And then that could like put

507
00:25:38,920 --> 00:25:41,840
Speaker 2: a number to how much her money is working for her.

508
00:25:42,280 --> 00:25:44,880
Speaker 1: And if you are you are financially like okay, honestly,

509
00:25:45,160 --> 00:25:48,080
Speaker 1: maybe do a little matching with her, Like hey, you know,

510
00:25:48,200 --> 00:25:50,960
Speaker 1: if you say one hundred dollars, I'll give you twenty five.

511
00:25:51,600 --> 00:25:53,480
Speaker 1: If you say five hundred, I'll give you fifty, you

512
00:25:53,480 --> 00:25:54,560
Speaker 1: know what I mean, Like, I don't.

513
00:25:54,359 --> 00:25:56,840
Speaker 2: Know how it's a good incentive, you know, but just.

514
00:25:56,800 --> 00:25:59,199
Speaker 1: Because that really then if you like and then you know,

515
00:25:59,240 --> 00:26:00,560
Speaker 1: once you get to it, that and you kind of

516
00:26:00,640 --> 00:26:02,399
Speaker 1: leave it. But I'm just something that's going to make

517
00:26:02,400 --> 00:26:04,160
Speaker 1: her say, it doesn't have to be fifty. It could

518
00:26:04,200 --> 00:26:06,199
Speaker 1: be ten dollars, it could be twenty, but you know,

519
00:26:06,320 --> 00:26:08,159
Speaker 1: giving her some sort of because it's going to be

520
00:26:08,200 --> 00:26:11,680
Speaker 1: really important that she Her parents could probably get away

521
00:26:11,720 --> 00:26:13,480
Speaker 1: with living a cash life, but the truth of the

522
00:26:13,480 --> 00:26:16,920
Speaker 1: matter is in this day and age, you cannot. You cannot.

523
00:26:16,920 --> 00:26:18,960
Speaker 1: She has to, you know, and so she has to

524
00:26:18,960 --> 00:26:22,280
Speaker 1: start somewhere, and she's super super young. So yeah, giving

525
00:26:22,320 --> 00:26:24,239
Speaker 1: her a little bit of an incentive, like you know, hey,

526
00:26:24,320 --> 00:26:26,120
Speaker 1: if you say for six months, you know, I'll put

527
00:26:26,119 --> 00:26:28,600
Speaker 1: a little something in your account, you know. So, I

528
00:26:28,600 --> 00:26:30,600
Speaker 1: mean it depends I don't know how much. Yeah, so,

529
00:26:30,960 --> 00:26:32,960
Speaker 1: but yeah, definitely I'm glad that you're taking an interest

530
00:26:33,000 --> 00:26:37,240
Speaker 1: in in your niece because that's truthfully, that's the only

531
00:26:37,280 --> 00:26:39,320
Speaker 1: way you know, folks kind of go from where they

532
00:26:39,320 --> 00:26:41,600
Speaker 1: are from to where they ought to be. Is that

533
00:26:41,680 --> 00:26:45,359
Speaker 1: someone has to help them along. So I'm glad she has. You.

534
00:26:45,800 --> 00:26:47,639
Speaker 1: Don't give up, I mean, it's okay to give up

535
00:26:47,680 --> 00:26:49,040
Speaker 1: on her parents. Like I'm just joking, but.

536
00:26:49,000 --> 00:26:51,440
Speaker 2: Maybe don't lead with your parents and don't know anything

537
00:26:51,440 --> 00:26:54,280
Speaker 2: about money. Maybe I'll lead with that because like I do,

538
00:26:54,359 --> 00:26:57,000
Speaker 2: and I know from experience coming to someone with personal

539
00:26:57,000 --> 00:26:59,480
Speaker 2: finance advice and his self righteous attitude, which is not

540
00:26:59,600 --> 00:27:00,840
Speaker 2: run them all if they don't want to hear you,

541
00:27:01,320 --> 00:27:06,720
Speaker 2: like I've tried, definitely with positivity, looked with positivity. Well,

542
00:27:06,720 --> 00:27:09,560
Speaker 2: thank you for your question, Thanks for being a good auntie. Yeah,

543
00:27:10,400 --> 00:27:17,000
Speaker 2: let's see. So let's take this question from listener Katie Ann.

544
00:27:17,119 --> 00:27:18,720
Speaker 2: Katie and I was like, how do you spell that?

545
00:27:19,160 --> 00:27:21,520
Speaker 2: Katie Ann? Okay, she's got she's a small business owner

546
00:27:21,520 --> 00:27:23,800
Speaker 2: with a really I think a question that will that

547
00:27:23,840 --> 00:27:26,160
Speaker 2: will hit home for a lot anyone who's got side

548
00:27:26,200 --> 00:27:30,080
Speaker 2: hustles and takes payment on the internet. She says, I

549
00:27:30,160 --> 00:27:32,720
Speaker 2: love I love the show MANI and Tiffany and the

550
00:27:32,720 --> 00:27:36,679
Speaker 2: conversations we have in my car. I have a question.

551
00:27:38,680 --> 00:27:40,359
Speaker 2: Oh wait, she just goes on about chatting with us

552
00:27:40,359 --> 00:27:42,120
Speaker 2: in the car. Okay, thank you all right, she says,

553
00:27:42,560 --> 00:27:45,800
Speaker 2: all right, do you know if an online payment tool

554
00:27:46,200 --> 00:27:49,720
Speaker 2: is cheaper than the fees PayPal charges. I do virtual

555
00:27:49,760 --> 00:27:52,560
Speaker 2: admin work and bookkeeping as my side hustle, and I'm

556
00:27:52,600 --> 00:27:55,840
Speaker 2: not too happy with sometimes when I see PayPal fies

557
00:27:55,920 --> 00:27:58,600
Speaker 2: coming out. Case in point, a client just paid me

558
00:27:58,640 --> 00:28:00,840
Speaker 2: five hundred and twenty five dollars and by the time

559
00:28:00,840 --> 00:28:02,480
Speaker 2: I went to transfer it to my bank, it came

560
00:28:02,480 --> 00:28:06,159
Speaker 2: down to five hundred and nine dollars. I know, right, petty,

561
00:28:06,240 --> 00:28:09,119
Speaker 2: but still I know would love to hear your advice

562
00:28:09,160 --> 00:28:10,640
Speaker 2: on cheaper payment tools.

563
00:28:12,600 --> 00:28:15,439
Speaker 1: Well, I'm just looking up now the difference between I

564
00:28:15,520 --> 00:28:20,160
Speaker 1: use Stripe for my business STRPU. Because here's one thing.

565
00:28:20,800 --> 00:28:25,600
Speaker 1: I'm part of this Facebook group called Build Brand Launch

566
00:28:25,680 --> 00:28:27,960
Speaker 1: with Arsha Jones. It's a great group. It's like mostly

567
00:28:27,960 --> 00:28:31,880
Speaker 1: brown women who are are in the beginning, middle and

568
00:28:31,960 --> 00:28:35,399
Speaker 1: like whatever, like later stages of business, and so they

569
00:28:35,440 --> 00:28:37,400
Speaker 1: ask a ton of questions and so one thing I've

570
00:28:37,480 --> 00:28:42,120
Speaker 1: learned from that group is that PayPal is out of

571
00:28:42,240 --> 00:28:45,200
Speaker 1: any of the processing systems. They are trigger happy. So

572
00:28:45,320 --> 00:28:47,360
Speaker 1: let's just say, like, you know, you sell ten things

573
00:28:47,360 --> 00:28:50,960
Speaker 1: and for some reason three people want to return PayPal's like, oh,

574
00:28:51,080 --> 00:28:52,680
Speaker 1: this is scam and they will lock down your money

575
00:28:52,720 --> 00:28:55,360
Speaker 1: almost indefinitely for some people. So it's very easy to

576
00:28:55,400 --> 00:28:57,480
Speaker 1: trigger like a PayPal lockdown and for you to have

577
00:28:57,480 --> 00:29:00,520
Speaker 1: to fight to get your money. So that's one PayPal.

578
00:29:01,000 --> 00:29:02,760
Speaker 1: You know, I have not heard good things from you,

579
00:29:03,120 --> 00:29:06,920
Speaker 1: but I like Stripe am because what I love about

580
00:29:06,920 --> 00:29:11,160
Speaker 1: Stripe is that it's it's a great tool to collecting money.

581
00:29:11,960 --> 00:29:14,640
Speaker 1: But Stripe, I think like Target uses Stripe. I think

582
00:29:14,800 --> 00:29:16,320
Speaker 1: I think I heard that on how I built this,

583
00:29:16,880 --> 00:29:20,479
Speaker 1: meaning that as you grow, Stripe can grow with you,

584
00:29:20,560 --> 00:29:22,920
Speaker 1: Like there's no outgrowing Stripe unless you're a bigger than Target.

585
00:29:24,040 --> 00:29:28,040
Speaker 1: But from what I'm what I'm reading is that many

586
00:29:28,080 --> 00:29:30,560
Speaker 1: of the online transactions might be the same amount. But

587
00:29:30,920 --> 00:29:34,440
Speaker 1: Stripe also has something called ah transactions, which PayPal doesn't.

588
00:29:35,480 --> 00:29:37,520
Speaker 1: And so I would do a little bit of a

589
00:29:37,960 --> 00:29:40,440
Speaker 1: little bit of research because, like I said, like I

590
00:29:40,960 --> 00:29:44,080
Speaker 1: happen to like Stripe more. I don't know that it's

591
00:29:44,440 --> 00:29:46,560
Speaker 1: the fees are definitely way cheaper, you know.

592
00:29:48,080 --> 00:29:50,400
Speaker 2: Yeah, And I think it's important to look at your

593
00:29:50,400 --> 00:29:54,040
Speaker 2: different options. It's not just PayPal, and maybe if you're

594
00:29:54,080 --> 00:29:56,520
Speaker 2: just getting started, does it make sense to use PayPal

595
00:29:56,600 --> 00:29:59,920
Speaker 2: right now? Could people be doing, you know, ah transfers

596
00:29:59,920 --> 00:30:01,440
Speaker 2: like tip set and just like direct to your bank

597
00:30:01,480 --> 00:30:04,200
Speaker 2: account because I help you save some fees. If it's

598
00:30:04,240 --> 00:30:05,959
Speaker 2: just a side hustle, you might want to look at

599
00:30:05,960 --> 00:30:09,000
Speaker 2: those ways, or even Venmo. I don't know what the

600
00:30:09,040 --> 00:30:11,280
Speaker 2: daily transfer limit is for Venom, and maybe that's a

601
00:30:11,280 --> 00:30:14,920
Speaker 2: better option. I know I paid my dog walker via Venmo,

602
00:30:15,360 --> 00:30:17,800
Speaker 2: and I don't think. I don't think that he got fees.

603
00:30:17,840 --> 00:30:19,840
Speaker 2: I'm like touring. I'm towing the line because I'm not

604
00:30:19,880 --> 00:30:22,720
Speaker 2: an accountant and I'm not a business attorney, so I'm

605
00:30:22,760 --> 00:30:25,760
Speaker 2: like what's legal, But like you know.

606
00:30:25,760 --> 00:30:28,840
Speaker 1: Like when you're not making, but if any of you

607
00:30:28,960 --> 00:30:30,880
Speaker 1: I'm making. One thing I will say about PayPal that

608
00:30:30,880 --> 00:30:32,920
Speaker 1: there's the benefit to PayPal in some ways is that

609
00:30:33,320 --> 00:30:34,760
Speaker 1: if you because you know, if you make over six

610
00:30:34,880 --> 00:30:40,600
Speaker 1: hundred dollars an adventure whatever, you are liabel to taxes. Right,

611
00:30:40,680 --> 00:30:42,640
Speaker 1: So the thing about PayPal is if if you get

612
00:30:42,680 --> 00:30:46,200
Speaker 1: paid over six hundred dollars, PayPal kind of like helps

613
00:30:46,240 --> 00:30:49,440
Speaker 1: out with that whole tax situation. Like like, for example,

614
00:30:49,480 --> 00:30:53,760
Speaker 1: if I pay Mandy seven hundred dollars, PayPal is going

615
00:30:53,800 --> 00:30:55,719
Speaker 1: to like report and all that kind of stuff for

616
00:30:55,760 --> 00:30:59,040
Speaker 1: her for her, whereas with Stripe and like other ones,

617
00:30:59,160 --> 00:31:02,200
Speaker 1: you know, the owners on you to handle that. So

618
00:31:02,240 --> 00:31:03,840
Speaker 1: I would just do a little digging and some research.

619
00:31:03,880 --> 00:31:05,720
Speaker 1: And honestly, if you are, like if you're not part

620
00:31:05,720 --> 00:31:08,120
Speaker 1: of some Facebook groups that are business focused, I would

621
00:31:08,160 --> 00:31:10,480
Speaker 1: join because these are great. Depending on what kind of

622
00:31:10,480 --> 00:31:15,920
Speaker 1: business you have, there are definitely transaction companies that are

623
00:31:16,000 --> 00:31:18,680
Speaker 1: better suited, Like for my online school, that's what we

624
00:31:18,760 --> 00:31:22,040
Speaker 1: use Stripe for and it works wonderfully, but it might

625
00:31:22,120 --> 00:31:24,360
Speaker 1: not suit you if you sell like perses, you.

626
00:31:24,320 --> 00:31:28,600
Speaker 2: Know, right, yeah, And you know it sucks when you

627
00:31:28,600 --> 00:31:31,239
Speaker 2: think about taxes, but I mean, Tiffany, taxes is part

628
00:31:31,280 --> 00:31:32,880
Speaker 2: of being a business owner. You just got it.

629
00:31:32,800 --> 00:31:33,160
Speaker 1: It is.

630
00:31:33,680 --> 00:31:35,400
Speaker 2: Actually, if you want to pivot to make that your

631
00:31:35,440 --> 00:31:38,080
Speaker 2: full time gig, like it hurts even more because you

632
00:31:38,120 --> 00:31:40,400
Speaker 2: have to actively take out taxes. The government just doesn't

633
00:31:40,440 --> 00:31:43,800
Speaker 2: do it for you. You have to guess how much

634
00:31:43,800 --> 00:31:46,760
Speaker 2: you owe in taxes and it's gonna be complicated.

635
00:31:47,400 --> 00:31:49,640
Speaker 1: And then Q four, So what happens with when you're

636
00:31:49,640 --> 00:31:51,560
Speaker 1: a business and when you make I would say once

637
00:31:51,600 --> 00:31:53,560
Speaker 1: you start making over six figures a year, you pay

638
00:31:53,640 --> 00:31:56,360
Speaker 1: quarterly you're supposed to, or you might get a fine

639
00:31:56,440 --> 00:31:58,920
Speaker 1: or a fee, so you pay quarterly and like, like

640
00:31:58,960 --> 00:32:01,160
Speaker 1: Manda said, you're guessing, but let's just say you have

641
00:32:01,200 --> 00:32:04,640
Speaker 1: a really great second half of the year. That means

642
00:32:04,720 --> 00:32:07,880
Speaker 1: the money that you've been setting aside or paying the

643
00:32:07,920 --> 00:32:09,640
Speaker 1: first it might not have been enough. So all of

644
00:32:09,680 --> 00:32:11,920
Speaker 1: a sudden, like the end of the year, you're like,

645
00:32:11,920 --> 00:32:16,960
Speaker 1: I owe how much more? Wait? Wait? And so yeah,

646
00:32:16,960 --> 00:32:19,840
Speaker 1: but that's why getting yourself if nothing else, once you

647
00:32:19,840 --> 00:32:22,120
Speaker 1: get past kind of like the like the beginning stages

648
00:32:22,160 --> 00:32:25,320
Speaker 1: of business, getting yourself an accountant. Accountants are not that

649
00:32:25,480 --> 00:32:29,040
Speaker 1: crazy expensive if you're making your business makes I would

650
00:32:29,080 --> 00:32:34,960
Speaker 1: say m like maybe like high four figures, low five figures,

651
00:32:35,520 --> 00:32:38,920
Speaker 1: you can afford a decent accountant you're looking at probably

652
00:32:39,360 --> 00:32:42,480
Speaker 1: uh depends maybe a few hundred dollars for the year,

653
00:32:42,920 --> 00:32:47,600
Speaker 1: so maybe like low maybe thousand, twelve hundred dollars, depending

654
00:32:47,640 --> 00:32:50,400
Speaker 1: on how big your business is. But it's worth it because

655
00:32:50,520 --> 00:32:52,480
Speaker 1: you know, knowing that you're not going to owe the

656
00:32:52,520 --> 00:32:55,800
Speaker 1: federal government, which will be way more expensive, knowing that

657
00:32:55,840 --> 00:32:58,200
Speaker 1: you can sit with them quarterly and like kind of

658
00:32:58,200 --> 00:33:00,920
Speaker 1: have the conversation about where your business is going, Like

659
00:33:00,960 --> 00:33:03,080
Speaker 1: your accountant should be able to advise you, or should

660
00:33:03,120 --> 00:33:06,040
Speaker 1: I go from being a sol entrepreneur now should I

661
00:33:06,080 --> 00:33:08,960
Speaker 1: be an employee of my business versus self employed? Do

662
00:33:09,080 --> 00:33:11,479
Speaker 1: I give myself insurance? Like your accountant can answer all

663
00:33:11,520 --> 00:33:13,400
Speaker 1: those kind of questions so that way you're not kind

664
00:33:13,440 --> 00:33:15,520
Speaker 1: of flailing in the wind. So definitely looking for an

665
00:33:15,520 --> 00:33:18,520
Speaker 1: accountant that that specializes in small businesses as well. That's

666
00:33:18,560 --> 00:33:20,160
Speaker 1: going to be so helpful. Like Carlos is not just

667
00:33:20,160 --> 00:33:24,400
Speaker 1: my accountant, he's like my business like coach almost because

668
00:33:24,400 --> 00:33:27,080
Speaker 1: every quarter when I meet with him, he goes over

669
00:33:27,160 --> 00:33:30,880
Speaker 1: everything and really makes suggestions based upon my personal life,

670
00:33:31,080 --> 00:33:32,760
Speaker 1: the business life, and what's going to be best in

671
00:33:33,000 --> 00:33:34,960
Speaker 1: the long run for the for the number that I'm

672
00:33:34,960 --> 00:33:35,640
Speaker 1: going to have to pay.

673
00:33:36,640 --> 00:33:39,920
Speaker 2: Yeah, well you're small now, and also think about the

674
00:33:39,960 --> 00:33:42,200
Speaker 2: money that you're making versus what you're losing to these

675
00:33:42,400 --> 00:33:44,800
Speaker 2: you know, a small tax fee because with you know,

676
00:33:44,800 --> 00:33:46,600
Speaker 2: the side hustle, like you're making five hundred bucks in

677
00:33:46,600 --> 00:33:50,239
Speaker 2: the side that's amazing. Yep, that's great. And you know

678
00:33:50,280 --> 00:33:51,720
Speaker 2: you wouldn't have had that if you hadn't taken the

679
00:33:51,760 --> 00:33:55,680
Speaker 2: initiative to set up your side hustle. So celebrate it.

680
00:33:57,200 --> 00:34:01,160
Speaker 2: Don't be a baby tax evader. Nothing. We're trying to

681
00:34:01,160 --> 00:34:04,120
Speaker 2: be just kidding. They will find you though. All right,

682
00:34:04,160 --> 00:34:05,640
Speaker 2: thank you so much for your question, and thanks for

683
00:34:05,680 --> 00:34:07,520
Speaker 2: being such a loyal listener. Appreciate it.

684
00:34:07,800 --> 00:34:09,840
Speaker 1: Yeah, you want to take or take.

685
00:34:09,800 --> 00:34:12,680
Speaker 2: One more from the email inbox. So this question is

686
00:34:12,719 --> 00:34:15,000
Speaker 2: a repeat question. Apparently we missed her question the first

687
00:34:15,000 --> 00:34:17,600
Speaker 2: time around. Sorry, miss ron La. But Rona has a

688
00:34:17,680 --> 00:34:22,360
Speaker 2: question about leasing a car already, she says on a

689
00:34:22,360 --> 00:34:24,920
Speaker 2: recent episode, what stands out is that one of you

690
00:34:25,560 --> 00:34:27,759
Speaker 2: talked about buying a car, and you gave lots of

691
00:34:27,760 --> 00:34:29,839
Speaker 2: tips on getting the best rates. But what are your

692
00:34:29,880 --> 00:34:32,799
Speaker 2: thoughts on car leasing? My husband and I currently have

693
00:34:32,920 --> 00:34:35,839
Speaker 2: one car that we lease, but it's definitely a money drain,

694
00:34:35,960 --> 00:34:39,200
Speaker 2: both in principle and interest. I dread paying this bill

695
00:34:39,280 --> 00:34:42,200
Speaker 2: each month. Do you know if refinancing a car lease

696
00:34:42,280 --> 00:34:44,680
Speaker 2: is feasible with banks or credit unions? This is our

697
00:34:44,719 --> 00:34:46,839
Speaker 2: only vehicle and we still have months to go on

698
00:34:46,840 --> 00:34:52,320
Speaker 2: this lease. Thank you very much. So Ronally wants to

699
00:34:52,320 --> 00:34:54,400
Speaker 2: get out of a car lease. I did some research

700
00:34:54,400 --> 00:34:56,920
Speaker 2: on this and we've actually written a couple of articles

701
00:34:57,200 --> 00:35:00,000
Speaker 2: at lending Tree about this and good news and bad news.

702
00:35:00,040 --> 00:35:02,640
Speaker 2: The bad us is that there's not really a way

703
00:35:02,719 --> 00:35:06,239
Speaker 2: to refinance a lease with another bank, so you're kind

704
00:35:06,239 --> 00:35:08,600
Speaker 2: of stuck with it. One of the most common ways

705
00:35:08,680 --> 00:35:10,040
Speaker 2: to get out of a camp, to get out of

706
00:35:10,040 --> 00:35:12,640
Speaker 2: a car lease, especially if you're unable to afford the payment,

707
00:35:12,640 --> 00:35:15,560
Speaker 2: which it sounds like you guys are, is to potentially

708
00:35:15,600 --> 00:35:18,840
Speaker 2: transfer the lease. Now, this would suck because you'd have

709
00:35:18,920 --> 00:35:22,080
Speaker 2: to like give up the car, but if you are

710
00:35:22,080 --> 00:35:24,359
Speaker 2: able to do it successfully, then maybe you could get

711
00:35:24,360 --> 00:35:26,840
Speaker 2: a car that has a lower payment, you know, or

712
00:35:27,040 --> 00:35:29,560
Speaker 2: maybe your credit has improved since you've got this original

713
00:35:29,600 --> 00:35:32,080
Speaker 2: lease and you can qualify for a better rate on

714
00:35:32,160 --> 00:35:34,600
Speaker 2: a car note and find a car that you can afford.

715
00:35:34,960 --> 00:35:37,839
Speaker 2: So to transfer it. There's a couple of websites out

716
00:35:37,840 --> 00:35:41,360
Speaker 2: there that you can look look into theres swap a lease,

717
00:35:41,960 --> 00:35:46,520
Speaker 2: Lease quit lease Trader, and least compare dot com.

718
00:35:46,880 --> 00:35:48,920
Speaker 1: I don't know why it's so funny, but I'm just

719
00:35:48,960 --> 00:35:51,360
Speaker 1: like it's okay. We're like, okay, I see you like

720
00:35:51,440 --> 00:35:52,920
Speaker 1: directly your messaging and marketing.

721
00:35:53,040 --> 00:35:56,239
Speaker 2: Yeah, least least quit dot com. But you want to

722
00:35:56,320 --> 00:35:58,120
Speaker 2: check with your leasing company first to see if it

723
00:35:58,160 --> 00:36:01,560
Speaker 2: allows transfer. You want to look into the fees of transferring,

724
00:36:02,640 --> 00:36:04,759
Speaker 2: and of course we'll get any tax costs that you

725
00:36:04,840 --> 00:36:07,480
Speaker 2: may have to occur. And the reason it's so success,

726
00:36:07,760 --> 00:36:09,359
Speaker 2: you know, so many of these exist is that there's

727
00:36:09,400 --> 00:36:11,640
Speaker 2: people out there who want to take over leases because

728
00:36:11,640 --> 00:36:14,359
Speaker 2: it's more affordable for them, or they don't want the

729
00:36:14,400 --> 00:36:16,560
Speaker 2: full like whatever the full lease term is and they

730
00:36:16,600 --> 00:36:18,600
Speaker 2: want a partial lease term or something like that. So

731
00:36:19,200 --> 00:36:20,360
Speaker 2: that's an option for you.

732
00:36:21,680 --> 00:36:23,280
Speaker 1: That's good. I never heard of that. That's cool.

733
00:36:23,680 --> 00:36:28,000
Speaker 2: Yeah, So I'll share this article with you, but you know,

734
00:36:29,040 --> 00:36:31,360
Speaker 2: first and foremost, and we've got a whole episode on

735
00:36:31,440 --> 00:36:34,160
Speaker 2: like auto loan debt, because I'm so passionate about the

736
00:36:34,200 --> 00:36:37,120
Speaker 2: fact that in America people are so crazy about their cars,

737
00:36:37,200 --> 00:36:40,399
Speaker 2: and car debt can be It's just one of those

738
00:36:40,440 --> 00:36:42,640
Speaker 2: things because you can talk yourself into because you need

739
00:36:42,640 --> 00:36:44,480
Speaker 2: that car to get to work, and you might as

740
00:36:44,480 --> 00:36:45,840
Speaker 2: well be a good car and you want to be

741
00:36:45,840 --> 00:36:47,560
Speaker 2: seen in a great car and all that kind of thing.

742
00:36:48,160 --> 00:36:50,320
Speaker 2: There's plenty of people out there that aren't driving fancy

743
00:36:50,320 --> 00:36:52,960
Speaker 2: cars that are in car debt too. But as much

744
00:36:52,960 --> 00:36:54,760
Speaker 2: as you can, if you could get that car payment

745
00:36:54,800 --> 00:36:58,480
Speaker 2: down or get an affordable car that that you know

746
00:36:58,600 --> 00:36:59,880
Speaker 2: is not going to be a burden to you, each

747
00:37:00,080 --> 00:37:03,800
Speaker 2: month and free up cash flow for other things like savings.

748
00:37:03,840 --> 00:37:07,120
Speaker 2: Please do it. The car should not be eating up

749
00:37:07,120 --> 00:37:12,160
Speaker 2: the majority of your budget. So anything anything else on

750
00:37:12,200 --> 00:37:12,920
Speaker 2: car leases to.

751
00:37:14,040 --> 00:37:17,120
Speaker 1: No, I mean it done. It's done if you're done right.

752
00:37:17,160 --> 00:37:19,640
Speaker 1: You know, they don't have to be super detrimental, but

753
00:37:20,040 --> 00:37:23,359
Speaker 1: it does get Like I remember my sister actually used

754
00:37:23,480 --> 00:37:27,560
Speaker 1: Magnified money when she was leasing because at the time,

755
00:37:27,640 --> 00:37:30,439
Speaker 1: she's like, really, I can't afford, you know, a brand

756
00:37:30,440 --> 00:37:34,320
Speaker 1: new car. But she needed like a newer car because

757
00:37:35,760 --> 00:37:38,000
Speaker 1: she her drive was like forty five minutes or an

758
00:37:38,040 --> 00:37:40,120
Speaker 1: hour or something like that, so she couldn't have a

759
00:37:40,160 --> 00:37:42,920
Speaker 1: car that couldn't take you know, like the beating basically,

760
00:37:43,480 --> 00:37:46,879
Speaker 1: so she leased a I don't know, it wasn't brand

761
00:37:46,880 --> 00:37:48,279
Speaker 1: brand new. I think she at least like whatever, like

762
00:37:48,320 --> 00:37:50,480
Speaker 1: a two year old car, a euro car something like that.

763
00:37:50,960 --> 00:37:54,200
Speaker 1: But she used Magnified money to really get the financing together,

764
00:37:54,480 --> 00:37:56,919
Speaker 1: so it ended up being a really good option where

765
00:37:56,960 --> 00:37:59,000
Speaker 1: she could get a newer car for less money. It

766
00:37:59,040 --> 00:38:00,600
Speaker 1: was just a good choice for her at the time.

767
00:38:01,760 --> 00:38:04,080
Speaker 1: So just be mindful, like you know, like when you're

768
00:38:04,560 --> 00:38:07,279
Speaker 1: sometimes you know, leasing is it's not necessarily ideal, but

769
00:38:07,360 --> 00:38:09,400
Speaker 1: sometimes it affords you the opportunity to get something you

770
00:38:09,440 --> 00:38:13,080
Speaker 1: might not be able to technically afford it, as like

771
00:38:13,080 --> 00:38:15,880
Speaker 1: if you were buying the car straight out. But you know,

772
00:38:15,920 --> 00:38:18,360
Speaker 1: like I didn't even know people bought to go releases

773
00:38:18,440 --> 00:38:20,040
Speaker 1: like that. I think that's pretty awesome.

774
00:38:20,239 --> 00:38:22,759
Speaker 2: Yeah, so well, I'm not anti lease. I think you know,

775
00:38:22,800 --> 00:38:24,480
Speaker 2: my husband and I were looking at the mileage on

776
00:38:24,480 --> 00:38:26,319
Speaker 2: our car. We bought it three years ago. We haven't

777
00:38:26,360 --> 00:38:28,279
Speaker 2: even hit thirty six thousand miles, and I'm like, we

778
00:38:28,360 --> 00:38:31,560
Speaker 2: get at lease this thing, because leasing, you know, as

779
00:38:31,760 --> 00:38:33,640
Speaker 2: if you're if you have a short commute and you

780
00:38:33,680 --> 00:38:35,480
Speaker 2: don't need the car that much. Some people choose to

781
00:38:35,560 --> 00:38:38,320
Speaker 2: lease because it can be a little bit the payments

782
00:38:38,320 --> 00:38:40,319
Speaker 2: can be a little bit less each month, and you

783
00:38:40,640 --> 00:38:43,040
Speaker 2: have the option to get a different car after three

784
00:38:43,120 --> 00:38:45,680
Speaker 2: years and you but the key is you have to

785
00:38:46,520 --> 00:38:48,360
Speaker 2: really be sure that you're not going to hit go

786
00:38:48,400 --> 00:38:51,959
Speaker 2: over that mileage requirement. Typically it's like thirty somethings thirty

787
00:38:52,040 --> 00:38:55,640
Speaker 2: thousand something miles over the least period, and if you

788
00:38:55,680 --> 00:38:58,120
Speaker 2: go over that, it's like so many fees, Oh my god,

789
00:38:58,200 --> 00:39:01,200
Speaker 2: so many Like my my friend got stuck well a

790
00:39:01,280 --> 00:39:04,560
Speaker 2: ton of lease fees because he didn't anticipate getting a

791
00:39:04,600 --> 00:39:06,719
Speaker 2: job in DC and then coming back and forth to

792
00:39:06,840 --> 00:39:11,279
Speaker 2: New York. OUCHA, yeah so ow, but yeah, if you

793
00:39:11,320 --> 00:39:12,840
Speaker 2: do the math and it works out in your favor.

794
00:39:13,200 --> 00:39:15,600
Speaker 2: You know, my friend's family had their grandparents come to

795
00:39:15,600 --> 00:39:17,480
Speaker 2: help them with childcare, and they decided to lease a

796
00:39:17,520 --> 00:39:19,800
Speaker 2: car for them to use just when they're in town,

797
00:39:20,040 --> 00:39:22,640
Speaker 2: which seemed to make sense versus getting you know, a

798
00:39:22,680 --> 00:39:26,240
Speaker 2: car outright, so it can be a good option. I'll

799
00:39:26,320 --> 00:39:29,520
Speaker 2: include a link to like a lease versus by calculator

800
00:39:29,520 --> 00:39:31,160
Speaker 2: as well, so you can see what the difference would

801
00:39:31,200 --> 00:39:32,799
Speaker 2: be like if you guys are on the fence out there.

802
00:39:33,680 --> 00:39:37,200
Speaker 1: Yes, let's do that, all right, Miss.

803
00:39:37,080 --> 00:39:40,320
Speaker 2: Lana, Miss ron La. Sorry, thank you for your question.

804
00:39:40,440 --> 00:39:42,800
Speaker 2: Hopefully that was good. Well. I'll include a couple of

805
00:39:42,880 --> 00:39:46,520
Speaker 2: links in the show notes about the article I was mentioning,

806
00:39:47,719 --> 00:39:49,480
Speaker 2: and thank you guys for your questions.

807
00:39:49,760 --> 00:39:52,880
Speaker 1: Yes, boost a break or boost a break? Boost to

808
00:39:52,920 --> 00:39:55,000
Speaker 1: break or boost the break? Can you tell? There's certain

809
00:39:55,040 --> 00:39:57,000
Speaker 1: things that when you say, like your neck has to

810
00:39:57,000 --> 00:39:59,080
Speaker 1: go that side to side, like boost to break, you

811
00:39:59,080 --> 00:40:01,080
Speaker 1: know that you know that the move I'm making manny,

812
00:40:01,120 --> 00:40:04,239
Speaker 1: like the like the bobblehead, like you know the side

813
00:40:04,239 --> 00:40:06,840
Speaker 1: the side like boost the break, boost the break.

814
00:40:07,280 --> 00:40:10,040
Speaker 2: Sound like interestingle bubblehead. I was thinking, you know, what

815
00:40:10,080 --> 00:40:12,320
Speaker 2: I was thinking is more of like a neck twist,

816
00:40:12,520 --> 00:40:14,879
Speaker 2: which like bubble heads, just like bobble at the top

817
00:40:14,920 --> 00:40:15,359
Speaker 2: of the head.

818
00:40:15,719 --> 00:40:17,440
Speaker 1: Yeah, maybe it is more of a next twist, but

819
00:40:17,480 --> 00:40:19,399
Speaker 1: it's like it's like a zigzag, like.

820
00:40:20,760 --> 00:40:23,960
Speaker 2: Oh okay, yeah, I got you. Yeah the zigzag help.

821
00:40:23,800 --> 00:40:26,160
Speaker 1: Break boost the prey. Now the shoulders are in it,

822
00:40:26,200 --> 00:40:28,440
Speaker 1: boost the bay and I got my hands up. Okay. Anyway,

823
00:40:28,800 --> 00:40:30,880
Speaker 1: how you gotta boost that, you gotta have break woof.

824
00:40:31,360 --> 00:40:34,840
Speaker 2: After that, I gotta take a boost. I got a boost.

825
00:40:35,719 --> 00:40:39,800
Speaker 2: So I have been along. I was like very anti

826
00:40:39,880 --> 00:40:41,840
Speaker 2: yoga for a long time. I thought it was boring.

827
00:40:42,239 --> 00:40:44,000
Speaker 2: I thought it was stupid. I was like, I can

828
00:40:44,000 --> 00:40:47,840
Speaker 2: stretch for free, I can find videos online and I

829
00:40:47,880 --> 00:40:50,879
Speaker 2: can stretch and it's great. But in the past couple

830
00:40:50,960 --> 00:40:53,520
Speaker 2: of months I actually started taking yo id a couple

831
00:40:53,600 --> 00:40:56,399
Speaker 2: of yoga classes, one during Mental Health Awareness Month because

832
00:40:56,400 --> 00:40:59,759
Speaker 2: we organized it for our team at work, like as

833
00:40:59,760 --> 00:41:02,440
Speaker 2: an option has something to do. Ended up taking that

834
00:41:02,480 --> 00:41:05,000
Speaker 2: class and then just randomly took a couple of other

835
00:41:05,080 --> 00:41:09,440
Speaker 2: yoga classes and I didn't realize how it's not just

836
00:41:09,480 --> 00:41:11,839
Speaker 2: about the stretching, you know. It's no, you're not going

837
00:41:11,920 --> 00:41:13,800
Speaker 2: to go there and sweat unless you're doing like Bickram.

838
00:41:13,800 --> 00:41:15,160
Speaker 2: You're not going to go there and sweat and get

839
00:41:15,160 --> 00:41:18,279
Speaker 2: your cardio. But for me, it's been I've started to

840
00:41:18,280 --> 00:41:21,280
Speaker 2: do it more often because it really helped me feel

841
00:41:21,920 --> 00:41:26,160
Speaker 2: calmer and more relaxed. And I'm always trying to find

842
00:41:26,200 --> 00:41:30,480
Speaker 2: ways to chill out and like with my anxiety just

843
00:41:30,800 --> 00:41:32,600
Speaker 2: you know, I was my anxiety was kind of getting

844
00:41:32,600 --> 00:41:34,279
Speaker 2: so bad that I was clenching my jaw at night

845
00:41:34,320 --> 00:41:36,239
Speaker 2: and I had all these this really bad job pain

846
00:41:37,360 --> 00:41:39,359
Speaker 2: where I couldn't chew and I couldn't open my mouth

847
00:41:39,400 --> 00:41:42,480
Speaker 2: for a wide back in May and June or earlier

848
00:41:42,480 --> 00:41:45,560
Speaker 2: this month, and my dentist was like, honestly, it's stress.

849
00:41:45,800 --> 00:41:48,360
Speaker 2: So if you can find a way to like de stress,

850
00:41:48,680 --> 00:41:51,160
Speaker 2: then that can help. So I've started to go to

851
00:41:51,280 --> 00:41:54,520
Speaker 2: yoga at least once a week and I really enjoy it,

852
00:41:54,600 --> 00:41:57,080
Speaker 2: and yeah, it's stretching and it's kind of free through.

853
00:41:57,120 --> 00:41:59,600
Speaker 2: I picked the beginner classes because no, I'm not standing

854
00:41:59,640 --> 00:42:01,880
Speaker 2: on my on my head just yet. I'm not doing

855
00:42:01,880 --> 00:42:05,120
Speaker 2: all those puzzel moves and my favorite part of the

856
00:42:05,239 --> 00:42:08,160
Speaker 2: yoga class is usually the last ten minutes of the class.

857
00:42:08,239 --> 00:42:10,560
Speaker 2: You just like sit in the dark and they turn

858
00:42:10,640 --> 00:42:15,080
Speaker 2: the lights out and you just either they're like you know,

859
00:42:15,160 --> 00:42:18,719
Speaker 2: either they're saying some really relaxing things or it's just

860
00:42:18,880 --> 00:42:22,240
Speaker 2: silence and you just sit there and you're just mindful

861
00:42:22,280 --> 00:42:26,359
Speaker 2: and present and maybe you think about something positive or

862
00:42:26,680 --> 00:42:30,799
Speaker 2: think about nothing. And I love that. Just five ten

863
00:42:30,840 --> 00:42:33,319
Speaker 2: minutes in a dark room at the end, and I

864
00:42:33,400 --> 00:42:36,920
Speaker 2: just feel so good afterwards. So I'm on team yoga, y'all.

865
00:42:37,239 --> 00:42:40,520
Speaker 1: Yeah, I used to. I used to take a bunch

866
00:42:40,520 --> 00:42:43,400
Speaker 1: of yoga classes. I actually like my favorite yoga instructor

867
00:42:43,480 --> 00:42:46,680
Speaker 1: on YouTube is Tara Styles, and I don't not just

868
00:42:46,800 --> 00:42:48,719
Speaker 1: like her voice and she just like, I don't know,

869
00:42:49,080 --> 00:42:51,919
Speaker 1: she just has a calming spirit. So when I get

870
00:42:51,960 --> 00:42:55,080
Speaker 1: back to yoga, that's who I I typically don't. I

871
00:42:55,120 --> 00:42:57,520
Speaker 1: haven't taken like an inn class yoga class in a while,

872
00:42:57,560 --> 00:42:59,799
Speaker 1: but I feel like i'd like that. I actually really

873
00:42:59,840 --> 00:43:04,680
Speaker 1: do enjoy yoga, So welcome, Welcome to the other side.

874
00:43:05,440 --> 00:43:07,719
Speaker 2: I still can't when they do the home at the end,

875
00:43:07,760 --> 00:43:08,520
Speaker 2: I'm like I can't.

876
00:43:08,680 --> 00:43:13,759
Speaker 1: I'm just like, all right, I'm here what the worst is,

877
00:43:13,800 --> 00:43:15,360
Speaker 1: like not the worst, but you know how at the

878
00:43:15,400 --> 00:43:17,319
Speaker 1: end they have you sometimes late I have totally fall

879
00:43:17,360 --> 00:43:18,040
Speaker 1: asleep before.

880
00:43:17,960 --> 00:43:20,799
Speaker 2: Like oh, one hundred percent. I fell asleep last week

881
00:43:20,800 --> 00:43:22,799
Speaker 2: because she was talking to me and it was had

882
00:43:22,840 --> 00:43:24,840
Speaker 2: the same effect as what I used audio books to

883
00:43:24,840 --> 00:43:27,080
Speaker 2: shut my brain up at night and just like go

884
00:43:27,120 --> 00:43:29,840
Speaker 2: to sleep. And it was just like she was talking

885
00:43:29,840 --> 00:43:32,560
Speaker 2: and telling us a story and I probably I probably snored,

886
00:43:32,719 --> 00:43:33,319
Speaker 2: but I was out.

887
00:43:33,960 --> 00:43:35,879
Speaker 1: I mean, I would say it's the best. I'm like, oh,

888
00:43:35,960 --> 00:43:39,319
Speaker 1: this is yoga. I can just lay down to sleep. Well,

889
00:43:39,440 --> 00:43:43,360
Speaker 1: I am going to boost. This is like a silly boost.

890
00:43:43,440 --> 00:43:46,560
Speaker 1: But I am sitting and we're in our I'm still

891
00:43:46,560 --> 00:43:48,279
Speaker 1: in our old apartment. So by this by the time

892
00:43:48,280 --> 00:43:50,520
Speaker 1: we take next week, we'll be in the new house.

893
00:43:50,520 --> 00:43:53,480
Speaker 1: But I cannot wait because I didn't want to have

894
00:43:53,560 --> 00:43:55,960
Speaker 1: outside noise because we have like no like loud neighbors.

895
00:43:56,000 --> 00:43:58,359
Speaker 1: So I closed all the windows and we had a

896
00:43:58,440 --> 00:44:01,400
Speaker 1: fan because we already took out our of our AC's.

897
00:44:01,440 --> 00:44:03,080
Speaker 1: Plus AC is loud, and we had a fan in

898
00:44:03,080 --> 00:44:05,440
Speaker 1: the window and that's loud. So I am sitting in

899
00:44:05,480 --> 00:44:09,720
Speaker 1: a hot box right now, sweating bullets. I cannot wait.

900
00:44:10,480 --> 00:44:13,520
Speaker 1: Until the new house where we have we have a

901
00:44:13,520 --> 00:44:16,719
Speaker 1: split level system for AC. That's like I don't know

902
00:44:16,719 --> 00:44:18,680
Speaker 1: the difference on a split level and a regular level.

903
00:44:18,800 --> 00:44:22,040
Speaker 1: Either way, it's central air and it's so quiet, Mandra,

904
00:44:22,840 --> 00:44:27,640
Speaker 1: so I can actually have a cool environment. But I'll

905
00:44:27,640 --> 00:44:31,080
Speaker 1: tell you, I am a sweat like I am, like literally,

906
00:44:31,200 --> 00:44:31,760
Speaker 1: I think.

907
00:44:31,600 --> 00:44:33,440
Speaker 2: It's not the day to not have air conditioners.

908
00:44:33,480 --> 00:44:35,279
Speaker 1: Oh my goodness, it's so hot in here. But I

909
00:44:35,280 --> 00:44:37,160
Speaker 1: don't want like the plan blowing in the background. You

910
00:44:37,160 --> 00:44:39,040
Speaker 1: see how much I love you, pa listeners. I am

911
00:44:39,320 --> 00:44:41,160
Speaker 1: literally sitting in a hot box at the last hour,

912
00:44:41,560 --> 00:44:44,800
Speaker 1: sweating up a store. I've probably lost two pounds, but yeah, honestly,

913
00:44:44,880 --> 00:44:46,840
Speaker 1: just a boost for like, you know, patients and getting

914
00:44:46,880 --> 00:44:51,840
Speaker 1: in the new house and AC baby, and so yeah,

915
00:44:51,920 --> 00:44:54,120
Speaker 1: I cannot wait the next time we take I shall

916
00:44:54,160 --> 00:44:54,640
Speaker 1: be there.

917
00:44:54,920 --> 00:44:58,120
Speaker 2: We're on the only podcasters sweating in rooms with no

918
00:44:58,160 --> 00:45:00,719
Speaker 2: air conditioning though, like that's just a podcast. If you're

919
00:45:00,760 --> 00:45:02,200
Speaker 2: going to start a podcast, you need to find a

920
00:45:02,280 --> 00:45:05,799
Speaker 2: quiet room. Like even Terry Gross, you know, even pre

921
00:45:05,960 --> 00:45:09,120
Speaker 2: Burarra for his podcast was complaining about how hot it

922
00:45:09,200 --> 00:45:11,360
Speaker 2: is because they can't have the AC on these rooms.

923
00:45:11,719 --> 00:45:15,000
Speaker 2: So it's you know, it's what we do for our craft.

924
00:45:15,480 --> 00:45:18,799
Speaker 1: Yeah yeah, I mean I love y'all, but I would

925
00:45:18,800 --> 00:45:23,120
Speaker 1: be doing it with the ac next time. But yeah,

926
00:45:23,160 --> 00:45:25,040
Speaker 1: that's just my boosts on the house.

927
00:45:25,080 --> 00:45:26,320
Speaker 2: I'm so excited it's done.

928
00:45:26,719 --> 00:45:28,719
Speaker 1: Yes, I cannot wait. I can't wait to have a

929
00:45:28,800 --> 00:45:31,759
Speaker 1: first Thanksgiving and we're definitely going to have a housewarming

930
00:45:31,800 --> 00:45:34,640
Speaker 1: and you know, like probably some sort of summer barbecue whatever.

931
00:45:35,600 --> 00:45:38,120
Speaker 1: I just want to have like a gathering spot like

932
00:45:38,280 --> 00:45:40,359
Speaker 1: our apartments not really a gathering spot because it's just

933
00:45:40,440 --> 00:45:43,080
Speaker 1: too small. And so when I had my condo when

934
00:45:43,120 --> 00:45:45,839
Speaker 1: I was in my mid twenties, I mean, all my girlfriends,

935
00:45:45,960 --> 00:45:47,880
Speaker 1: we were all like young and single, and all my

936
00:45:47,960 --> 00:45:49,640
Speaker 1: sisters they would we would they would come over all

937
00:45:49,680 --> 00:45:52,200
Speaker 1: the time. So I really just enjoy having you know,

938
00:45:52,320 --> 00:45:54,560
Speaker 1: people over, And just like I said, we don't have

939
00:45:54,640 --> 00:45:57,279
Speaker 1: that as much here. It's like one or two friends

940
00:45:57,280 --> 00:45:59,000
Speaker 1: at a time, just because our place is small here.

941
00:45:59,040 --> 00:46:01,719
Speaker 1: But so I just can't wait to come back to that, like, hey,

942
00:46:01,760 --> 00:46:02,960
Speaker 1: you can always come. You don't have to have a

943
00:46:02,960 --> 00:46:07,320
Speaker 1: special occasion, just come to the house. You know, it's beautiful. No,

944
00:46:07,480 --> 00:46:09,440
Speaker 1: thank you, you're welcome.

945
00:46:09,520 --> 00:46:14,320
Speaker 2: I know exactly how I feel. So congrats. Go next

946
00:46:14,560 --> 00:46:18,880
Speaker 2: go nest enjoy Happy anniversary too, Yeah, and happy birthday

947
00:46:18,880 --> 00:46:21,520
Speaker 2: to my husband. His birthday is the same day.

948
00:46:21,680 --> 00:46:25,120
Speaker 1: Oh is it so now? I'll never forget it.

949
00:46:25,840 --> 00:46:31,880
Speaker 2: Say that next year too. But you did, though I

950
00:46:31,920 --> 00:46:32,800
Speaker 2: can check the tapes.

951
00:46:33,320 --> 00:46:35,560
Speaker 1: No, I probably because I literally have the worst memory

952
00:46:35,560 --> 00:46:38,960
Speaker 1: that it's hilarious. I will forever be grateful for I

953
00:46:39,120 --> 00:46:42,200
Speaker 1: look at my fridge, I'm like, thank you, Mandy's husband.

954
00:46:42,600 --> 00:46:45,000
Speaker 2: I didn't believe you last year, and I don't believe.

955
00:46:44,680 --> 00:46:48,040
Speaker 1: You this year. I can. We forgot just like that,

956
00:46:48,280 --> 00:46:50,680
Speaker 1: and I literally have no recollection. I'm telling you, I've

957
00:46:50,719 --> 00:46:53,160
Speaker 1: been eighties since I was eight, So there's that.

958
00:46:53,560 --> 00:46:57,160
Speaker 2: I love you anyway, just the way you are.

959
00:46:58,320 --> 00:47:00,759
Speaker 1: All right, y'all, It's been an awesome episode, ask for usual.

960
00:47:00,800 --> 00:47:02,319
Speaker 1: I just love that we're getting way more love on

961
00:47:02,400 --> 00:47:06,279
Speaker 1: via social. Please tweet us, please instagram us, facebook us.

962
00:47:06,320 --> 00:47:08,840
Speaker 1: We really love the social outreach. Tell a friend to

963
00:47:08,920 --> 00:47:13,040
Speaker 1: tell a friend, you know. I just I just I

964
00:47:13,080 --> 00:47:15,400
Speaker 1: someone like set a picture. I think they sent me

965
00:47:15,440 --> 00:47:18,160
Speaker 1: like a DM or they posted on their IG where

966
00:47:18,200 --> 00:47:19,759
Speaker 1: she was giggling as she I guess she was walking

967
00:47:19,800 --> 00:47:21,880
Speaker 1: in the park about my cat story, and I was like,

968
00:47:21,880 --> 00:47:23,080
Speaker 1: what did I say? I forgot that. I said I

969
00:47:23,120 --> 00:47:23,600
Speaker 1: took my cat.

970
00:47:23,800 --> 00:47:25,960
Speaker 2: That's my favorite cat story. I love that story.

971
00:47:26,440 --> 00:47:29,120
Speaker 1: But we love that feedback. If you, if me or

972
00:47:29,160 --> 00:47:31,239
Speaker 1: Mandy says anything that you really enjoy, I love, like,

973
00:47:31,280 --> 00:47:33,680
Speaker 1: please show us your reaction and that we like. It

974
00:47:34,440 --> 00:47:36,759
Speaker 1: motivates us to move forward because I feel like we're

975
00:47:36,800 --> 00:47:39,440
Speaker 1: all friends. So you know, we just love hearing from you.

976
00:47:39,840 --> 00:47:42,800
Speaker 2: At the BA podcast on Twitter and at Brandonition Podcast

977
00:47:42,840 --> 00:47:43,960
Speaker 2: on Instagram.

978
00:47:44,239 --> 00:47:45,560
Speaker 1: Yes, you know, I forgot that, so I was like,

979
00:47:45,560 --> 00:47:46,680
Speaker 1: hopefully Mandy will jump.

980
00:47:47,719 --> 00:47:50,960
Speaker 2: I'm always looking for holes to fill. I'm just kidding,

981
00:47:52,320 --> 00:47:54,880
Speaker 2: all right, y'all, all right, Mandy, all right, Happy Brandon

982
00:47:54,920 --> 00:47:55,600
Speaker 2: miss on Wednesday.

983
00:47:55,800 --> 00:48:00,600
Speaker 1: Bye b