Speaker 1: Hey, hey, hey, I gave you a tenor voice. You know,
Speaker 1: everyone doesn't get that we're back. We're black and we're brown.
Speaker 1: I'm Tippany you.
Speaker 2: Guys, it's Mandy Happy Wednesday.
Speaker 1: Yes, So what's happening in the atmosphere?
Speaker 2: Mandra You know, well, first of all, we must apologize.
Speaker 2: This is like the third year running. I've had it
Speaker 2: on my calendar that it's Junenteenth's and our show always
Speaker 2: airs the day before the day of, and I totally
Speaker 2: forgot to mention it last week. But hope you guys.
Speaker 2: I feel like Juneteenth is becoming a real It was
Speaker 2: like this, uh, I don't know, margin on the margins
Speaker 2: kind of holiday, but now it's becoming like a real
Speaker 2: I'm just glad that it's a day that at least
Speaker 2: it's an excuse to reflect and think about, you know,
Speaker 2: how you can live our days every life in the
Speaker 2: spirit of what our ancestors would have wanted for us.
Speaker 1: Yeah, we are truly I think our ancestors wildest, wildest dreams, Yes, ma'am,
Speaker 1: cause I think Tyler Perry. I don't know what award
Speaker 1: he was getting. I don't know if it was BT Awards. Yes,
Speaker 1: and so He shared how his studio used to be
Speaker 1: a Confederate Army base and he was like, you know
Speaker 1: the purpose of you know that those soldiers was to
Speaker 1: try to maintain slavery for Negroes. And he's like, now
Speaker 1: a negro owns this place. And I just thought, wow, wow, wow,
Speaker 1: just I mean, just a few generations from you removed,
Speaker 1: you know. Yeah.
Speaker 2: You know people asked me when I got married in Savannah, Georgia,
Speaker 2: because I got married not in not on you know,
Speaker 2: a former plantation that as far as I could research,
Speaker 2: but I did get married. You know, if I'm being
Speaker 2: realistic one hundred percent, you look back a couple of
Speaker 2: centuries ago, they were probably slaves working that land. I mean,
Speaker 2: there were slaves all over the South and especially in Georgia,
Speaker 2: And you know, did I feel some type of way
Speaker 2: about getting married in that area? And for me, I felt,
Speaker 2: you know, if my ancestors did work these lands, you
Speaker 2: know what about it, like if they're you know, if
Speaker 2: if in twenty seventeen, I was getting married there and
Speaker 2: you know, in a in a multi racial marriage with
Speaker 2: like a super diverse you know, wedding party and and
Speaker 2: guests and everything, and I just that was kind of
Speaker 2: how I made my peace with it, and yeah, I
Speaker 2: mean you do. It's it's it's like part about remembering
Speaker 2: the you know, just the bloody beginning and the tragic
Speaker 2: beginning of every of the country and what it took
Speaker 2: to get to where we are now and recognizing how
Speaker 2: far we have to go.
Speaker 1: Mm hmm. And it's just like it's just right spots
Speaker 1: exactly because it shows it that like I mean, if
Speaker 1: you because you're right, you had super I mean you
Speaker 1: had Asian, you had white, you had like you had.
Speaker 2: It wasn't intentional.
Speaker 1: I'm like, it was definitely U went of weddings.
Speaker 2: It did look like I was like a college brochure
Speaker 2: and I picked out my wedding party, like and here's
Speaker 2: the brown one and here's the No, it just felt.
Speaker 1: But it was awesome and so but no, I think
Speaker 1: that it's I'm not someone who thinks that you shouldn't
Speaker 1: be on places where you know, enslaved people we were,
Speaker 1: because the truth is, I don't know that you could
Speaker 1: ever go anywhere then, you know. I think instead it's
Speaker 1: our job and our duty to change the narrative of
Speaker 1: our places by showing up and being who we are.
Speaker 1: Now you know they they were so we could be
Speaker 1: and so like yeah, I just like like I love
Speaker 1: that Tyler bought that place. It was like, yeah, this
Speaker 1: is what it was, you know, but I have I
Speaker 1: have taken command of this place and it's you know exactly,
Speaker 1: you know, changing that narrative. So I think that's awesome.
Speaker 2: I was looking as we're going to Portugal in August,
Speaker 2: and Portugal, if you have you ever been to the
Speaker 2: this was something I didn't know. Maybe I should have
Speaker 2: known this, but they didn't teach me this in high school.
Speaker 2: That Portugal was really the the beginning of the slave trade,
Speaker 2: one of the you know, the first countries to ship
Speaker 2: slaves to the Americas. And I didn't know that until
Speaker 2: I went to the African American History Museum in DC,
Speaker 2: which if you guys haven't gone, you gotta go, but
Speaker 2: give yourself, like at least two days to go through it.
Speaker 2: Have you been TV?
Speaker 1: What to that? Now? No, anyone thank you for saying that.
Speaker 1: You know, they actually reached out to me. They want
Speaker 1: me to do a panel.
Speaker 2: I just forgot, but maybe don't. I mean, like it
Speaker 2: is so heavy that we did you know the ground
Speaker 2: you go below ground for the first portion of the museum,
Speaker 2: which covers the beginning of the slave trade all the
Speaker 2: way to kind of you know, the age of Oprah,
Speaker 2: you know, modern day, and then back on the like
Speaker 2: the upper half of the museum has exhibits some like
Speaker 2: pop culture and all this kind of stuff. Well, we
Speaker 2: did the bottom half and it was so emotionally draining
Speaker 2: that we had to leave. It took us probably like
Speaker 2: four hours to get through it, and then we just couldn't,
Speaker 2: you know, do the rest of the museum that day,
Speaker 2: So give yourself time. But anyway, Portugal, So what I
Speaker 2: learned about Portugal, So we're going there in a couple
Speaker 2: of in a month or so, and I was looking
Speaker 2: for any opportunity to take a tour maybe like look
Speaker 2: at some former landmarks, you know, to learn about the
Speaker 2: origins of slavery. There's not a ton out there. But
Speaker 2: I did read about one guy who's trying to start
Speaker 2: some tours and I think he was inspired by the
Speaker 2: museum here in DC. And there's like a growing movement
Speaker 2: for the country itself to recognize it's it's the role
Speaker 2: that it played in proliferating slavery and everything.
Speaker 1: Wow wow, Yeah.
Speaker 2: But I hope everybody had a good, good Juneteenth and
Speaker 2: summertime is officially underway.
Speaker 1: Yes, I can't wait. I'm going to my first summertime
Speaker 1: barbecue this weekend, actually the twenty eighth, which I think
Speaker 1: is a Friday. I don't even know, but it's my
Speaker 1: anniversary this Friday. Yeah, this Friday. It's my anniversary two years.
Speaker 1: And I asked super Man, you know, what do you
Speaker 1: want to do, and he was like, moving to this house.
Speaker 1: So that's what we're doing. It's so finally the house
Speaker 1: is done, guys, we're gonna be moving in. Because I
Speaker 1: was thinking like, maybe, well we could go to like
Speaker 1: Cape may or something, but honestly, the move it's like
Speaker 1: the house is absolutely gorgeous and we're just so excited
Speaker 1: to be in it. So I was like, it doesn't
Speaker 1: make sense to try to go away for the weekend
Speaker 1: because we're just gonna be stressed about so when we
Speaker 1: come back, how we're gonna move during the week you know. Yeah,
Speaker 1: so yeah, we're just gonna So a friend of mine
Speaker 1: has he has a really beautiful house that he renovated
Speaker 1: not too far so his wife is an amazing I
Speaker 1: don't think she's like officially a chef, but she needs
Speaker 1: to be. She makes the most amazing food. I mean
Speaker 1: it looks like a catered like a fair. And so
Speaker 1: they're having like their annual barbecue and I was like, well,
Speaker 1: this will we are this is we could celebrate right
Speaker 1: there at the barbecue. I will be eating all the
Speaker 1: things wait watchers be damned, even though it's been going good.
Speaker 1: But I was like, I'm saving all my points for
Speaker 1: the week. So yeah, so what it's like not just work,
Speaker 1: but she makes like this, like lobster mac and cheek.
Speaker 1: You literally have to go early. Like I'm gonna be like, sir,
Speaker 1: if you're running late, I'll to meet you there because
Speaker 1: you have to go early. Her food is so good.
Speaker 1: So we're just gonna celebrate, like, you know, lightly and
Speaker 1: moving to this house and really marvel at how far
Speaker 1: we've come together. And yeah, someone a friend of mine
Speaker 1: has a friend who was asking about me and saying, so,
Speaker 1: how's bunch of Nista? She never posted about her husband
Speaker 1: on social media? What's going on there? I was like,
Speaker 1: do people really were on a bitch and listeners? Do
Speaker 1: you throw me shay because I don't post about Superman?
Speaker 2: Is it Pwitsville for the budgets Superman, and I'm like,
Speaker 2: you know, but.
Speaker 1: Here's the thing, Like, literally, I mean I don't even
Speaker 1: think about it, truthfully, because one, I mean, he's not
Speaker 1: like you know how like Chip and Joanna. That's not
Speaker 1: what Superman like, you know. I mean, every once in
Speaker 1: a while I post like if it's relevant. Quite honestly,
Speaker 1: I don't even think about it, like we're just literally
Speaker 1: living our lives, living a great life. Actually, but I
Speaker 1: never thought about that that someone was like, what does
Speaker 1: he even do? I'm like, I don't think they're out
Speaker 1: of the.
Speaker 2: Podcast, honey, I know, because I'm like, we talk to
Speaker 2: We talked all the time.
Speaker 1: It's probably at nausea and especially when we were getting
Speaker 1: like engaged and married. But yeah, no, Superman is a
Speaker 1: super I'm I always call him super Superman. Yeah, he's
Speaker 1: super for the City of Newark and just just dope.
Speaker 1: I mean, he's just a regular guy, but he's awesome.
Speaker 1: And yeah, don't posting about him on social media like
Speaker 1: a whole lot, just because the truth is, I have
Speaker 1: like a social media team now, and so largely like
Speaker 1: they post like what's appropriate to the Bunchinisia, which is
Speaker 1: financed because at one point, my my ig my ig
Speaker 1: was literally like a day in the life, like, hey,
Speaker 1: eating some chicken. I'm like, tivioty, what does this have
Speaker 1: to do with bunch? So they took over. They're like,
Speaker 1: we're gonna bring it back to personal finance. So yeah,
Speaker 1: so if you're wondering, we're actually good. Thanks for the concern. Yeah,
Speaker 1: but and also too, I stopped posting him on Facebook
Speaker 1: because I would post him and then women would go
Speaker 1: send friend requests. Can you imagine? So that was a
Speaker 1: little whatever. But yeah, I mean, nothing's wrong with me,
Speaker 1: but I just thought that was so I never thought
Speaker 1: that anybody would even care or think about it, Like,
Speaker 1: you know, it's just weird to me because I'm like,
Speaker 1: what Superman, who's downstairs right now packing all these boxes
Speaker 1: so we can move out of this place.
Speaker 2: If you judge my marriage by my Instagram, you think
Speaker 2: that I left him for my dog, Molly's. I cannot
Speaker 2: stop myself, and like, I understand that people will probably
Speaker 2: unfollow me once I got so many friend requests the
Speaker 2: past Instagram requests the past couple of weeks, and I'm like,
Speaker 2: y'all all ready for this because there's nothing but my dog.
Speaker 2: I don't know what you want. I had no advice
Speaker 2: for you. I got no words of wisdom. Here's my
Speaker 2: adorable Dog're like, here's.
Speaker 1: The money man, the money.
Speaker 2: I mean, listen, I don't have a brand like Tiffany
Speaker 2: to maintain.
Speaker 1: No, But I understand, like, I mean, I get the curiosity,
Speaker 1: but I just like, it's so weird that you think
Speaker 1: that people are curious about like, you know, because I
Speaker 1: feel like, especially here on the podcast, we talked so freely,
Speaker 1: so clearly she must not listening to arounhmbition because I'm like, well,
Speaker 1: what are you talking about? Ago? But I just thought
Speaker 1: that was hilarious. She was like, yeah, girl, he inquiring
Speaker 1: minds want to know. I'm like, okay, well were you God,
Speaker 1: thanks for inquiring.
Speaker 2: I guess I gotta do this. We got to talk
Speaker 2: about this story really quick because I thought it was
Speaker 2: kind of hilarious. So we all know, student loan debt
Speaker 2: in America is just you know, a huge burden, and
Speaker 2: the government, like the education departments being sued because programs
Speaker 2: like public service loan forgiveness actually have not been forgiving
Speaker 2: anybody's debt. Like very people even got you know, qualified
Speaker 2: for that. Something like one hundred and fifty thousand people
Speaker 2: are waiting in line right now.
Speaker 1: See look, yeah, I'm still taking every time.
Speaker 2: Oh hey, Superman, He's like, oh, I heard the Universe
Speaker 2: told me I was being mentioned. I'm sorry, manager, go ahead,
Speaker 2: It's okay anyway. Student loan debt, you know, it probably
Speaker 2: touches every one of us who had the fortune of
Speaker 2: going to college or misfortune depending on how you how
Speaker 2: much debt you have, So you know, I'll be the
Speaker 2: government is not is you know, is no guarantee that
Speaker 2: your student loan debt will be forgiven even if you
Speaker 2: do everything right. But there are There's this new app
Speaker 2: that people got really excited about called Gibling, the Gibling
Speaker 2: trivia app. Trivia apps are like a hot thing right now.
Speaker 2: But basically it's the trivia app that you pay to play.
Speaker 2: So it's like fifty cents. I think there's a free level,
Speaker 2: and then you pay fifty cents to get additional credits
Speaker 2: to pay to play bigger, larger levels, and the ultimate
Speaker 2: goal is that you can win up to forty fifty
Speaker 2: thousand dollars. That's like the grand prize. And people have
Speaker 2: won the money and you know, they're able to use
Speaker 2: it to pay off their student loan debt. But there's
Speaker 2: a story on seeing Me See that I thought was crazy.
Speaker 2: So because it's kind of a gamification kind of thing.
Speaker 2: You have to pay to play at a certain level,
Speaker 2: and then you have to like you can pay, you
Speaker 2: can purchase like little items in the Gibling Trivia app
Speaker 2: store to get more credits to play more rounds, and
Speaker 2: people have been legit getting addicted to it, like the story.
Speaker 2: The story interviewed some woman who spent forty two thousand
Speaker 2: dollars to win and a guy who borrowed twenty thousand
Speaker 2: dollars from his four oh one K did he win too?
Speaker 2: And no, no, And like the people who were doing
Speaker 2: it are like, you know they are you know, they've
Speaker 2: they've done like other game shows and things like that.
Speaker 2: And so now this this app that people were really
Speaker 2: excited about, there's all these questions about whether it's is
Speaker 2: it gambling? Is it really helping people pay off their
Speaker 2: student loan debt? And I mean, it's so sad to
Speaker 2: me that people are dipping into their four oh one K.
Speaker 2: Don't do that. There's no easy way out of debt,
Speaker 2: and this game is certainly not like you might as
Speaker 2: well us go to your bodega and get a lotto ticket.
Speaker 1: You know, that's literally what that is. I didn't know,
Speaker 1: like that's crazy because I see, I'm like looking it
Speaker 1: says the app is free, but I do know, like
Speaker 1: the re Member candy Crush, you would have to like
Speaker 1: buy these little like whatever it is. Wow, I guess
Speaker 1: you have to just be mindful of yourself that if
Speaker 1: you've got a personality that's like you know that leans
Speaker 1: towards scambling and you might not even know until you
Speaker 1: try something. But if you're someone who, yeah, there's typically
Speaker 1: no easy way. I mean, we would all love an
Speaker 1: easy way out of student loans. And unfortunately, like you said,
Speaker 1: forgiveness is it has gotten even harder. It was hard before,
Speaker 1: but it's even harder now. So I could see why
Speaker 1: people turn to desperate measures. But forty thousand dollars to
Speaker 1: win fifty thousand, you can do better at vegas.
Speaker 2: I mean please, yeah, go to the slot machines or
Speaker 2: you know, vote for candidates who maybe have some progressive
Speaker 2: student loan policy ideas. And I know we're early, like
Speaker 2: you know, as far as like election twenty twenty goes.
Speaker 2: There's seventy eleven people running on the Democratic ticker right
Speaker 2: now that it's just too many to pay attention to.
Speaker 2: And I feel like I'm really going to start paying
Speaker 2: attention in January. That's when I'll start tuning in. But
Speaker 2: I have to say, if you're focusing on issues that
Speaker 2: you want to look at, you know, I'm waiting on
Speaker 2: candadates to come out with policies, for example, on healthcare,
Speaker 2: student loans, and maternity family leave. Those are the three
Speaker 2: that I care a lot about and really like, very
Speaker 2: few if any candidates have had any real policies to share,
Speaker 2: except for Elizabeth Warren and Bernie Sanders. So they both
Speaker 2: come out with plans to cancel student loan debt and
Speaker 2: really like have a much more progressive plan to get
Speaker 2: rid of debt versus like public service loan forgiveness, which,
Speaker 2: to be fair to you know, President you know who,
Speaker 2: it wasn't his program. However under his watch it has
Speaker 2: been completely useless to people. Was meant to help. But
Speaker 2: their plans would basically, like Bernie Sanders would have forgive
Speaker 2: it everyone's debt, like cancel it like zero it out
Speaker 2: within six months, which sounds to me like too crazy
Speaker 2: to actually, yeah, like possible, But that's why he's so progressive.
Speaker 2: Lizzie Warren's plan would pay for pay to forget most
Speaker 2: people's debt, except for people who you know, have proven
Speaker 2: income that they can afford their debt, which is like
Speaker 2: ninety five percent of people.
Speaker 1: Okay.
Speaker 2: The way that she would pay for it is by
Speaker 2: implementing and partly by implementing a wealth tax, a private
Speaker 2: wealth tax, which would hit families who have over fifty
Speaker 2: million dollars in assets. So like the top point zero
Speaker 2: zero zero zero er is zero one percent, yeah, which
Speaker 2: to me sounds a bit more realistic.
Speaker 1: So yeah, but you know, those people also also have
Speaker 1: like a lot of political power and pull to lobby
Speaker 1: and this and that. So I don't know how she'd
Speaker 1: be able to get that passed.
Speaker 2: I think there's like the wealth tax, there's it's gaining support,
Speaker 2: Like there is a medium like these eleven or eighteen
Speaker 2: millionaires or however billionaires whatever they are, they got together
Speaker 2: and posted on medium they were like, please tax us.
Speaker 1: Okay, well that's good. I'd should to say they're probably
Speaker 1: in the minority, but I mean, I agree, it doesn't
Speaker 1: you know, I'm not gonna lie. I feel uncomfortable. That's
Speaker 1: that there are times like were my tax rate with
Speaker 1: the new Trump laws, my tax rate as Tiffany the
Speaker 1: baby millionaire are lower than my tax rate as Tiffany
Speaker 1: the preschool teacher. That's crazy. The preschool teacher needed the help,
Speaker 1: I don't, you know. And that the thing is my
Speaker 1: taxes weren't this rate before, but now they are, and
Speaker 1: so like yeah, it's just it's ridiculous, like it's it's
Speaker 1: it doesn't make sense. I believe my business tax rate
Speaker 1: went from thirty five percent, I think the twenty one
Speaker 1: percent and then anything that bills over after that me
Speaker 1: personally as fifteen percent, but as Tiffany the teacher, I
Speaker 1: think I was at twenty or twenty five percent. That's crazy.
Speaker 1: Why I don't mind paying what to do? You know?
Speaker 1: Like me is Tiffany, I was paying it before. I
Speaker 1: just it doesn't make sense. Like when people were like, yay,
Speaker 1: we're gonna get remember when everyone finally got their refunds
Speaker 1: and they realized that this new tax law wasn't so
Speaker 1: great after all, because it wasn't helping anyone that was
Speaker 1: actually needing the help. I was looking and I was like,
Speaker 1: you know, my accountant Carls, was like, yeah, you're you
Speaker 1: know you tax figure is going to drop. I'm like,
Speaker 1: what what why? I mean not, I mean, I guess
Speaker 1: it's nice to pay less.
Speaker 2: But what doesn't is you're turning a Republican.
Speaker 1: No, I honestly, I honestly was like, it doesn't make sense,
Speaker 1: you know, like, yeah, it doesn't make sense. And honestly,
Speaker 1: it's not fair because you are penalizing people for being
Speaker 1: for being regular, like for like you know, like preschool
Speaker 1: teacher tipany she needed fifteen percent, not me. Now I
Speaker 1: can't afford to pay more. And I don't mind paying
Speaker 1: more because I know it's supposed to contribute to the
Speaker 1: betterment of everyone. And so yeah, I just well, chah,
Speaker 1: let's see this next election. It's going to be a
Speaker 1: who is part of my French? A shit show? A
Speaker 1: lot of people say part of my French Like when
Speaker 1: they curse, what does that come from?
Speaker 2: Maybe the French are known for their vulgarity.
Speaker 1: I don't know many French because I was just thinking that,
Speaker 1: like people are like part of my friends. Shit.
Speaker 2: You're like, wait does that how does one say should
Speaker 2: show en Francis, all right, well, anyway, this is your
Speaker 2: this is your little mini twenty twenty election debate reminder.
Speaker 2: Tomorrow there is a debate. So if you're interested to
Speaker 2: see what these twenty eleven seventy eleven candidates have to say,
Speaker 2: if you're trying to whittle out to see who's legit
Speaker 2: and who's not, you can tune in on the twenty
Speaker 2: what's tomorrow the twenty sixth Wednesday, and there's another debate
Speaker 2: the twenty eighth or twenty seventh on Thursday.
Speaker 1: Now it's time we're into questions to answer questions from
Speaker 1: all our families. See this is not even at the end.
Speaker 1: Q U E s T I. Oh, And that's why
Speaker 1: I felt like I didn't whatever.
Speaker 2: I was just thrown off by the Mickey Mouse in
Speaker 2: the middle of the show.
Speaker 1: I keep it going your toes. One time in one
Speaker 1: of my videos, like I was like saying, hey, sign
Speaker 1: up for a free class or something like that, and
Speaker 1: I felt budgets and I forgot the D. I was like,
Speaker 1: b U g E D. I did not notice until
Speaker 1: someone was like pretty sure they'd be in.
Speaker 2: There, was like, yeah, there is I know the internet, but.
Speaker 1: It was hilarious because my my video editor. He was like,
Speaker 1: he put the numbers on the screen and said BU
Speaker 1: and when it came to the D there was a
Speaker 1: question mark and then he went on. I was like, oh,
Speaker 1: so you're petty, but I just thought it was hilary.
Speaker 1: He's like, you want me to keep it? I might
Speaker 1: keep it because I think people will get a kick
Speaker 1: out of it. But yeah, I'm not seems just like us.
Speaker 1: So we have any good question on you guys have
Speaker 1: been doing really great questions please, but I really appreciate them.
Speaker 2: Yeah, thank you guys for sending us your questions. I'm
Speaker 2: gonna skip to the gram skip skip, skip to the
Speaker 2: gram again. You guys can hit us up on Instagram
Speaker 2: with your questions at Brand Ambition Podcast and I check
Speaker 2: those every week and we've got a couple there. You
Speaker 2: can still email us if you'd like to. If you
Speaker 2: like me get annoyed typing into a tiny phone. Sometimes,
Speaker 2: you can go to Brand Ambition Podcast at gmail dot
Speaker 2: com to answer your question, and I promise I will
Speaker 2: answer at least one question from email along with your
Speaker 2: Instagram questions, so you don't feel like I am favoring
Speaker 2: favoring any one person. So here we go, let's see
Speaker 2: so here. This question comes from Instagram user named Sinclair
Speaker 2: at Nachos and A. She says, Hi, ladies, I love
Speaker 2: your podcast. I'm the only person in my family who
Speaker 2: has any semblance of financial understanding and planning. My niece
Speaker 2: is twenty and just got her first job. I'm trying
Speaker 2: to convince her to open a checking and savings account
Speaker 2: and to start setting a little bit aside for emergency savings. However,
Speaker 2: her financially illiterate parents full shade her words, not mine,
Speaker 2: ardently her financial Her financially illiterate parents are telling her
Speaker 2: not to open any type of account and just to
Speaker 2: keep cash. Sounds like my dad. I've known her parents
Speaker 2: my whole life, and I know this is a mistake.
Speaker 2: Her money will just get lost and no one has
Speaker 2: seen it if she does that, How do I convince
Speaker 2: her that she needs to get an account so that
Speaker 2: her money is sitting some more safer than her underwear drawer.
Speaker 2: So I have been trying to convince my dad. And
Speaker 2: I won't tell you where he lives so you can
Speaker 2: go rob him, But I mean, I don't think you'd
Speaker 2: find very much. But literally, the man bald up socks,
Speaker 2: balled up mattresses, just all the linens in his closet.
Speaker 2: You know, that is where he stashes stuff. And it
Speaker 2: is just like boggling to me. But anyway, he he's
Speaker 2: a lost cause he's almost sixty years old. I'm not.
Speaker 1: We're here, right, we're here, right, we're here now, we're right.
Speaker 1: But for this young woman, there's hope. There is hope.
Speaker 1: And I would here's the thing, like, especially when it
Speaker 1: comes to young people, you know, the lecture, nobody cares.
Speaker 1: Nobody cares. Instead, you have to figure out how do
Speaker 1: I get her to want to? So I would say
Speaker 1: something like, you know, like you should definitely open the
Speaker 1: checking account because you get direct deposit and sometimes you
Speaker 1: actually get paid a day sooner. That way, the money's
Speaker 1: inside your account. So you see, like there's a benefit
Speaker 1: to not cashing out your money that if it lands
Speaker 1: in your checking account. Girl, you know, like like you
Speaker 1: know for sure got by paycheck and you can't lose
Speaker 1: it if you go to the check cashing place, do
Speaker 1: you know they take whatever percentage. So literally, in order
Speaker 1: for you to get your money, you have to spend
Speaker 1: money to get your money. I would lean into the
Speaker 1: benefits rather than the are you crazy, that's foolish, you
Speaker 1: know what I mean? Like so that I would do
Speaker 1: that to start, like having her understand like you need
Speaker 1: to save, you need to that's gonna be too much
Speaker 1: because she has to relearn a lot of things or
Speaker 1: just learn in general. So just start with super simple
Speaker 1: opening up a checking account. That's it. Get her to
Speaker 1: open it up, because she's gonna get her direct deposit,
Speaker 1: get her money a little sooner. She's not gonna have
Speaker 1: to wait. She's not gonna have to go to check
Speaker 1: cashing and spend money that way. I like, there's a
Speaker 1: story of a woman who I know. She she cashed
Speaker 1: her refund check a few thousand dollars at the check
Speaker 1: cashing place and lost the money, and so like sharing
Speaker 1: that kind of stuff like that's why I used to
Speaker 1: really open a check account so that way you know
Speaker 1: your money has landed there. And then once she does that,
Speaker 1: then you can start working toward you know, like you
Speaker 1: you have one hundred dollars left of in your checking girl,
Speaker 1: you know you can make some interest, even if it's
Speaker 1: just two or three dollars. You should put it in
Speaker 1: this online only savings account. Because they're actually gonna pay
Speaker 1: you money for keeping you money here. But do you
Speaker 1: see how you have to build when someone is adverse
Speaker 1: to making financial choices. I lean toward the positivity of
Speaker 1: it all and then building once I've gotten them to
Speaker 1: make take one step.
Speaker 2: Yeah, And I feel like, you know, to be honest.
Speaker 2: And I have friends who do this. They like to
Speaker 2: keep a little bit of cash in the house for
Speaker 2: like the zombie apocalypse, you know, if it ever happens.
Speaker 2: And I'm cool with that. You know, I'm stockpiling bottles
Speaker 2: of water for the same reason. But you can think of,
Speaker 2: like how much, pointy, do you really need to have
Speaker 2: lying around the house? A couple hundred bucks, one hundred bucks,
Speaker 2: And like, once she has that, maybe it's a good
Speaker 2: tool just to get her to start thinking about saving.
Speaker 2: You know, let's try and save one hundred dollars so
Speaker 2: you can put it in your you know, your sock
Speaker 2: drawer and you have cash if an emergency comes up,
Speaker 2: or you know, if you need to run for your
Speaker 2: life and whatever the zombies are coming. And then that
Speaker 2: starts building the habit. And if you're starting her first job,
Speaker 2: like Tiffany said, it's going to be hard for her
Speaker 2: to even not have direct deposit into a checking account,
Speaker 2: like a lot of some companies you know, require it,
Speaker 2: and they get all up in the arms if you
Speaker 2: make them mail you a check, because actually host companies
Speaker 2: to mail you checks. Yes, you know, it's it's an
Speaker 2: expense for them. You could even show her, you know, once,
Speaker 2: like Tiffany said, starting her off small, just like opening
Speaker 2: and checking account, you know, just just just setting on
Speaker 2: for a deposit and just doing something very small. And
Speaker 2: then like once she's ready or once you feel like, okay,
Speaker 2: it's been a month or two, maybe I'll start talking
Speaker 2: to her about a savings account. Take one of those,
Speaker 2: like take a calculator online and show her what would
Speaker 2: happen to her money if she put it into a
Speaker 2: savings account, even earning like two percent, you know, like
Speaker 2: how much money she would earn versus how much money
Speaker 2: she could lose if she just gets those checks and
Speaker 2: cashes them, you know. And then that could like put
Speaker 2: a number to how much her money is working for her.
Speaker 1: And if you are you are financially like okay, honestly,
Speaker 1: maybe do a little matching with her, Like hey, you know,
Speaker 1: if you say one hundred dollars, I'll give you twenty five.
Speaker 1: If you say five hundred, I'll give you fifty, you
Speaker 1: know what I mean, Like, I don't.
Speaker 2: Know how it's a good incentive, you know, but just.
Speaker 1: Because that really then if you like and then you know,
Speaker 1: once you get to it, that and you kind of
Speaker 1: leave it. But I'm just something that's going to make
Speaker 1: her say, it doesn't have to be fifty. It could
Speaker 1: be ten dollars, it could be twenty, but you know,
Speaker 1: giving her some sort of because it's going to be
Speaker 1: really important that she Her parents could probably get away
Speaker 1: with living a cash life, but the truth of the
Speaker 1: matter is in this day and age, you cannot. You cannot.
Speaker 1: She has to, you know, and so she has to
Speaker 1: start somewhere, and she's super super young. So yeah, giving
Speaker 1: her a little bit of an incentive, like you know, hey,
Speaker 1: if you say for six months, you know, I'll put
Speaker 1: a little something in your account, you know. So, I
Speaker 1: mean it depends I don't know how much. Yeah, so,
Speaker 1: but yeah, definitely I'm glad that you're taking an interest
Speaker 1: in in your niece because that's truthfully, that's the only
Speaker 1: way you know, folks kind of go from where they
Speaker 1: are from to where they ought to be. Is that
Speaker 1: someone has to help them along. So I'm glad she has. You.
Speaker 1: Don't give up, I mean, it's okay to give up
Speaker 1: on her parents. Like I'm just joking, but.
Speaker 2: Maybe don't lead with your parents and don't know anything
Speaker 2: about money. Maybe I'll lead with that because like I do,
Speaker 2: and I know from experience coming to someone with personal
Speaker 2: finance advice and his self righteous attitude, which is not
Speaker 2: run them all if they don't want to hear you,
Speaker 2: like I've tried, definitely with positivity, looked with positivity. Well,
Speaker 2: thank you for your question, Thanks for being a good auntie. Yeah,
Speaker 2: let's see. So let's take this question from listener Katie Ann.
Speaker 2: Katie and I was like, how do you spell that?
Speaker 2: Katie Ann? Okay, she's got she's a small business owner
Speaker 2: with a really I think a question that will that
Speaker 2: will hit home for a lot anyone who's got side
Speaker 2: hustles and takes payment on the internet. She says, I
Speaker 2: love I love the show MANI and Tiffany and the
Speaker 2: conversations we have in my car. I have a question.
Speaker 2: Oh wait, she just goes on about chatting with us
Speaker 2: in the car. Okay, thank you all right, she says,
Speaker 2: all right, do you know if an online payment tool
Speaker 2: is cheaper than the fees PayPal charges. I do virtual
Speaker 2: admin work and bookkeeping as my side hustle, and I'm
Speaker 2: not too happy with sometimes when I see PayPal fies
Speaker 2: coming out. Case in point, a client just paid me
Speaker 2: five hundred and twenty five dollars and by the time
Speaker 2: I went to transfer it to my bank, it came
Speaker 2: down to five hundred and nine dollars. I know, right, petty,
Speaker 2: but still I know would love to hear your advice
Speaker 2: on cheaper payment tools.
Speaker 1: Well, I'm just looking up now the difference between I
Speaker 1: use Stripe for my business STRPU. Because here's one thing.
Speaker 1: I'm part of this Facebook group called Build Brand Launch
Speaker 1: with Arsha Jones. It's a great group. It's like mostly
Speaker 1: brown women who are are in the beginning, middle and
Speaker 1: like whatever, like later stages of business, and so they
Speaker 1: ask a ton of questions and so one thing I've
Speaker 1: learned from that group is that PayPal is out of
Speaker 1: any of the processing systems. They are trigger happy. So
Speaker 1: let's just say, like, you know, you sell ten things
Speaker 1: and for some reason three people want to return PayPal's like, oh,
Speaker 1: this is scam and they will lock down your money
Speaker 1: almost indefinitely for some people. So it's very easy to
Speaker 1: trigger like a PayPal lockdown and for you to have
Speaker 1: to fight to get your money. So that's one PayPal.
Speaker 1: You know, I have not heard good things from you,
Speaker 1: but I like Stripe am because what I love about
Speaker 1: Stripe is that it's it's a great tool to collecting money.
Speaker 1: But Stripe, I think like Target uses Stripe. I think
Speaker 1: I think I heard that on how I built this,
Speaker 1: meaning that as you grow, Stripe can grow with you,
Speaker 1: Like there's no outgrowing Stripe unless you're a bigger than Target.
Speaker 1: But from what I'm what I'm reading is that many
Speaker 1: of the online transactions might be the same amount. But
Speaker 1: Stripe also has something called ah transactions, which PayPal doesn't.
Speaker 1: And so I would do a little bit of a
Speaker 1: little bit of research because, like I said, like I
Speaker 1: happen to like Stripe more. I don't know that it's
Speaker 1: the fees are definitely way cheaper, you know.
Speaker 2: Yeah, And I think it's important to look at your
Speaker 2: different options. It's not just PayPal, and maybe if you're
Speaker 2: just getting started, does it make sense to use PayPal
Speaker 2: right now? Could people be doing, you know, ah transfers
Speaker 2: like tip set and just like direct to your bank
Speaker 2: account because I help you save some fees. If it's
Speaker 2: just a side hustle, you might want to look at
Speaker 2: those ways, or even Venmo. I don't know what the
Speaker 2: daily transfer limit is for Venom, and maybe that's a
Speaker 2: better option. I know I paid my dog walker via Venmo,
Speaker 2: and I don't think. I don't think that he got fees.
Speaker 2: I'm like touring. I'm towing the line because I'm not
Speaker 2: an accountant and I'm not a business attorney, so I'm
Speaker 2: like what's legal, But like you know.
Speaker 1: Like when you're not making, but if any of you
Speaker 1: I'm making. One thing I will say about PayPal that
Speaker 1: there's the benefit to PayPal in some ways is that
Speaker 1: if you because you know, if you make over six
Speaker 1: hundred dollars an adventure whatever, you are liabel to taxes. Right,
Speaker 1: So the thing about PayPal is if if you get
Speaker 1: paid over six hundred dollars, PayPal kind of like helps
Speaker 1: out with that whole tax situation. Like like, for example,
Speaker 1: if I pay Mandy seven hundred dollars, PayPal is going
Speaker 1: to like report and all that kind of stuff for
Speaker 1: her for her, whereas with Stripe and like other ones,
Speaker 1: you know, the owners on you to handle that. So
Speaker 1: I would just do a little digging and some research.
Speaker 1: And honestly, if you are, like if you're not part
Speaker 1: of some Facebook groups that are business focused, I would
Speaker 1: join because these are great. Depending on what kind of
Speaker 1: business you have, there are definitely transaction companies that are
Speaker 1: better suited, Like for my online school, that's what we
Speaker 1: use Stripe for and it works wonderfully, but it might
Speaker 1: not suit you if you sell like perses, you.
Speaker 2: Know, right, yeah, And you know it sucks when you
Speaker 2: think about taxes, but I mean, Tiffany, taxes is part
Speaker 2: of being a business owner. You just got it.
Speaker 1: It is.
Speaker 2: Actually, if you want to pivot to make that your
Speaker 2: full time gig, like it hurts even more because you
Speaker 2: have to actively take out taxes. The government just doesn't
Speaker 2: do it for you. You have to guess how much
Speaker 2: you owe in taxes and it's gonna be complicated.
Speaker 1: And then Q four, So what happens with when you're
Speaker 1: a business and when you make I would say once
Speaker 1: you start making over six figures a year, you pay
Speaker 1: quarterly you're supposed to, or you might get a fine
Speaker 1: or a fee, so you pay quarterly and like, like
Speaker 1: Manda said, you're guessing, but let's just say you have
Speaker 1: a really great second half of the year. That means
Speaker 1: the money that you've been setting aside or paying the
Speaker 1: first it might not have been enough. So all of
Speaker 1: a sudden, like the end of the year, you're like,
Speaker 1: I owe how much more? Wait? Wait? And so yeah,
Speaker 1: but that's why getting yourself if nothing else, once you
Speaker 1: get past kind of like the like the beginning stages
Speaker 1: of business, getting yourself an accountant. Accountants are not that
Speaker 1: crazy expensive if you're making your business makes I would
Speaker 1: say m like maybe like high four figures, low five figures,
Speaker 1: you can afford a decent accountant you're looking at probably
Speaker 1: uh depends maybe a few hundred dollars for the year,
Speaker 1: so maybe like low maybe thousand, twelve hundred dollars, depending
Speaker 1: on how big your business is. But it's worth it because
Speaker 1: you know, knowing that you're not going to owe the
Speaker 1: federal government, which will be way more expensive, knowing that
Speaker 1: you can sit with them quarterly and like kind of
Speaker 1: have the conversation about where your business is going, Like
Speaker 1: your accountant should be able to advise you, or should
Speaker 1: I go from being a sol entrepreneur now should I
Speaker 1: be an employee of my business versus self employed? Do
Speaker 1: I give myself insurance? Like your accountant can answer all
Speaker 1: those kind of questions so that way you're not kind
Speaker 1: of flailing in the wind. So definitely looking for an
Speaker 1: accountant that that specializes in small businesses as well. That's
Speaker 1: going to be so helpful. Like Carlos is not just
Speaker 1: my accountant, he's like my business like coach almost because
Speaker 1: every quarter when I meet with him, he goes over
Speaker 1: everything and really makes suggestions based upon my personal life,
Speaker 1: the business life, and what's going to be best in
Speaker 1: the long run for the for the number that I'm
Speaker 1: going to have to pay.
Speaker 2: Yeah, well you're small now, and also think about the
Speaker 2: money that you're making versus what you're losing to these
Speaker 2: you know, a small tax fee because with you know,
Speaker 2: the side hustle, like you're making five hundred bucks in
Speaker 2: the side that's amazing. Yep, that's great. And you know
Speaker 2: you wouldn't have had that if you hadn't taken the
Speaker 2: initiative to set up your side hustle. So celebrate it.
Speaker 2: Don't be a baby tax evader. Nothing. We're trying to
Speaker 2: be just kidding. They will find you though. All right,
Speaker 2: thank you so much for your question, and thanks for
Speaker 2: being such a loyal listener. Appreciate it.
Speaker 1: Yeah, you want to take or take.
Speaker 2: One more from the email inbox. So this question is
Speaker 2: a repeat question. Apparently we missed her question the first
Speaker 2: time around. Sorry, miss ron La. But Rona has a
Speaker 2: question about leasing a car already, she says on a
Speaker 2: recent episode, what stands out is that one of you
Speaker 2: talked about buying a car, and you gave lots of
Speaker 2: tips on getting the best rates. But what are your
Speaker 2: thoughts on car leasing? My husband and I currently have
Speaker 2: one car that we lease, but it's definitely a money drain,
Speaker 2: both in principle and interest. I dread paying this bill
Speaker 2: each month. Do you know if refinancing a car lease
Speaker 2: is feasible with banks or credit unions? This is our
Speaker 2: only vehicle and we still have months to go on
Speaker 2: this lease. Thank you very much. So Ronally wants to
Speaker 2: get out of a car lease. I did some research
Speaker 2: on this and we've actually written a couple of articles
Speaker 2: at lending Tree about this and good news and bad news.
Speaker 2: The bad us is that there's not really a way
Speaker 2: to refinance a lease with another bank, so you're kind
Speaker 2: of stuck with it. One of the most common ways
Speaker 2: to get out of a camp, to get out of
Speaker 2: a car lease, especially if you're unable to afford the payment,
Speaker 2: which it sounds like you guys are, is to potentially
Speaker 2: transfer the lease. Now, this would suck because you'd have
Speaker 2: to like give up the car, but if you are
Speaker 2: able to do it successfully, then maybe you could get
Speaker 2: a car that has a lower payment, you know, or
Speaker 2: maybe your credit has improved since you've got this original
Speaker 2: lease and you can qualify for a better rate on
Speaker 2: a car note and find a car that you can afford.
Speaker 2: So to transfer it. There's a couple of websites out
Speaker 2: there that you can look look into theres swap a lease,
Speaker 2: Lease quit lease Trader, and least compare dot com.
Speaker 1: I don't know why it's so funny, but I'm just
Speaker 1: like it's okay. We're like, okay, I see you like
Speaker 1: directly your messaging and marketing.
Speaker 2: Yeah, least least quit dot com. But you want to
Speaker 2: check with your leasing company first to see if it
Speaker 2: allows transfer. You want to look into the fees of transferring,
Speaker 2: and of course we'll get any tax costs that you
Speaker 2: may have to occur. And the reason it's so success,
Speaker 2: you know, so many of these exist is that there's
Speaker 2: people out there who want to take over leases because
Speaker 2: it's more affordable for them, or they don't want the
Speaker 2: full like whatever the full lease term is and they
Speaker 2: want a partial lease term or something like that. So
Speaker 2: that's an option for you.
Speaker 1: That's good. I never heard of that. That's cool.
Speaker 2: Yeah, So I'll share this article with you, but you know,
Speaker 2: first and foremost, and we've got a whole episode on
Speaker 2: like auto loan debt, because I'm so passionate about the
Speaker 2: fact that in America people are so crazy about their cars,
Speaker 2: and car debt can be It's just one of those
Speaker 2: things because you can talk yourself into because you need
Speaker 2: that car to get to work, and you might as
Speaker 2: well be a good car and you want to be
Speaker 2: seen in a great car and all that kind of thing.
Speaker 2: There's plenty of people out there that aren't driving fancy
Speaker 2: cars that are in car debt too. But as much
Speaker 2: as you can, if you could get that car payment
Speaker 2: down or get an affordable car that that you know
Speaker 2: is not going to be a burden to you, each
Speaker 2: month and free up cash flow for other things like savings.
Speaker 2: Please do it. The car should not be eating up
Speaker 2: the majority of your budget. So anything anything else on
Speaker 2: car leases to.
Speaker 1: No, I mean it done. It's done if you're done right.
Speaker 1: You know, they don't have to be super detrimental, but
Speaker 1: it does get Like I remember my sister actually used
Speaker 1: Magnified money when she was leasing because at the time,
Speaker 1: she's like, really, I can't afford, you know, a brand
Speaker 1: new car. But she needed like a newer car because
Speaker 1: she her drive was like forty five minutes or an
Speaker 1: hour or something like that, so she couldn't have a
Speaker 1: car that couldn't take you know, like the beating basically,
Speaker 1: so she leased a I don't know, it wasn't brand
Speaker 1: brand new. I think she at least like whatever, like
Speaker 1: a two year old car, a euro car something like that.
Speaker 1: But she used Magnified money to really get the financing together,
Speaker 1: so it ended up being a really good option where
Speaker 1: she could get a newer car for less money. It
Speaker 1: was just a good choice for her at the time.
Speaker 1: So just be mindful, like you know, like when you're
Speaker 1: sometimes you know, leasing is it's not necessarily ideal, but
Speaker 1: sometimes it affords you the opportunity to get something you
Speaker 1: might not be able to technically afford it, as like
Speaker 1: if you were buying the car straight out. But you know,
Speaker 1: like I didn't even know people bought to go releases
Speaker 1: like that. I think that's pretty awesome.
Speaker 2: Yeah, so well, I'm not anti lease. I think you know,
Speaker 2: my husband and I were looking at the mileage on
Speaker 2: our car. We bought it three years ago. We haven't
Speaker 2: even hit thirty six thousand miles, and I'm like, we
Speaker 2: get at lease this thing, because leasing, you know, as
Speaker 2: if you're if you have a short commute and you
Speaker 2: don't need the car that much. Some people choose to
Speaker 2: lease because it can be a little bit the payments
Speaker 2: can be a little bit less each month, and you
Speaker 2: have the option to get a different car after three
Speaker 2: years and you but the key is you have to
Speaker 2: really be sure that you're not going to hit go
Speaker 2: over that mileage requirement. Typically it's like thirty somethings thirty
Speaker 2: thousand something miles over the least period, and if you
Speaker 2: go over that, it's like so many fees, Oh my god,
Speaker 2: so many Like my my friend got stuck well a
Speaker 2: ton of lease fees because he didn't anticipate getting a
Speaker 2: job in DC and then coming back and forth to
Speaker 2: New York. OUCHA, yeah so ow, but yeah, if you
Speaker 2: do the math and it works out in your favor.
Speaker 2: You know, my friend's family had their grandparents come to
Speaker 2: help them with childcare, and they decided to lease a
Speaker 2: car for them to use just when they're in town,
Speaker 2: which seemed to make sense versus getting you know, a
Speaker 2: car outright, so it can be a good option. I'll
Speaker 2: include a link to like a lease versus by calculator
Speaker 2: as well, so you can see what the difference would
Speaker 2: be like if you guys are on the fence out there.
Speaker 1: Yes, let's do that, all right, Miss.
Speaker 2: Lana, Miss ron La. Sorry, thank you for your question.
Speaker 2: Hopefully that was good. Well. I'll include a couple of
Speaker 2: links in the show notes about the article I was mentioning,
Speaker 2: and thank you guys for your questions.
Speaker 1: Yes, boost a break or boost a break? Boost to
Speaker 1: break or boost the break? Can you tell? There's certain
Speaker 1: things that when you say, like your neck has to
Speaker 1: go that side to side, like boost to break, you
Speaker 1: know that you know that the move I'm making manny,
Speaker 1: like the like the bobblehead, like you know the side
Speaker 1: the side like boost the break, boost the break.
Speaker 2: Sound like interestingle bubblehead. I was thinking, you know, what
Speaker 2: I was thinking is more of like a neck twist,
Speaker 2: which like bubble heads, just like bobble at the top
Speaker 2: of the head.
Speaker 1: Yeah, maybe it is more of a next twist, but
Speaker 1: it's like it's like a zigzag, like.
Speaker 2: Oh okay, yeah, I got you. Yeah the zigzag help.
Speaker 1: Break boost the prey. Now the shoulders are in it,
Speaker 1: boost the bay and I got my hands up. Okay. Anyway,
Speaker 1: how you gotta boost that, you gotta have break woof.
Speaker 2: After that, I gotta take a boost. I got a boost.
Speaker 2: So I have been along. I was like very anti
Speaker 2: yoga for a long time. I thought it was boring.
Speaker 2: I thought it was stupid. I was like, I can
Speaker 2: stretch for free, I can find videos online and I
Speaker 2: can stretch and it's great. But in the past couple
Speaker 2: of months I actually started taking yo id a couple
Speaker 2: of yoga classes, one during Mental Health Awareness Month because
Speaker 2: we organized it for our team at work, like as
Speaker 2: an option has something to do. Ended up taking that
Speaker 2: class and then just randomly took a couple of other
Speaker 2: yoga classes and I didn't realize how it's not just
Speaker 2: about the stretching, you know. It's no, you're not going
Speaker 2: to go there and sweat unless you're doing like Bickram.
Speaker 2: You're not going to go there and sweat and get
Speaker 2: your cardio. But for me, it's been I've started to
Speaker 2: do it more often because it really helped me feel
Speaker 2: calmer and more relaxed. And I'm always trying to find
Speaker 2: ways to chill out and like with my anxiety just
Speaker 2: you know, I was my anxiety was kind of getting
Speaker 2: so bad that I was clenching my jaw at night
Speaker 2: and I had all these this really bad job pain
Speaker 2: where I couldn't chew and I couldn't open my mouth
Speaker 2: for a wide back in May and June or earlier
Speaker 2: this month, and my dentist was like, honestly, it's stress.
Speaker 2: So if you can find a way to like de stress,
Speaker 2: then that can help. So I've started to go to
Speaker 2: yoga at least once a week and I really enjoy it,
Speaker 2: and yeah, it's stretching and it's kind of free through.
Speaker 2: I picked the beginner classes because no, I'm not standing
Speaker 2: on my on my head just yet. I'm not doing
Speaker 2: all those puzzel moves and my favorite part of the
Speaker 2: yoga class is usually the last ten minutes of the class.
Speaker 2: You just like sit in the dark and they turn
Speaker 2: the lights out and you just either they're like you know,
Speaker 2: either they're saying some really relaxing things or it's just
Speaker 2: silence and you just sit there and you're just mindful
Speaker 2: and present and maybe you think about something positive or
Speaker 2: think about nothing. And I love that. Just five ten
Speaker 2: minutes in a dark room at the end, and I
Speaker 2: just feel so good afterwards. So I'm on team yoga, y'all.
Speaker 1: Yeah, I used to. I used to take a bunch
Speaker 1: of yoga classes. I actually like my favorite yoga instructor
Speaker 1: on YouTube is Tara Styles, and I don't not just
Speaker 1: like her voice and she just like, I don't know,
Speaker 1: she just has a calming spirit. So when I get
Speaker 1: back to yoga, that's who I I typically don't. I
Speaker 1: haven't taken like an inn class yoga class in a while,
Speaker 1: but I feel like i'd like that. I actually really
Speaker 1: do enjoy yoga, So welcome, Welcome to the other side.
Speaker 2: I still can't when they do the home at the end,
Speaker 2: I'm like I can't.
Speaker 1: I'm just like, all right, I'm here what the worst is,
Speaker 1: like not the worst, but you know how at the
Speaker 1: end they have you sometimes late I have totally fall
Speaker 1: asleep before.
Speaker 2: Like oh, one hundred percent. I fell asleep last week
Speaker 2: because she was talking to me and it was had
Speaker 2: the same effect as what I used audio books to
Speaker 2: shut my brain up at night and just like go
Speaker 2: to sleep. And it was just like she was talking
Speaker 2: and telling us a story and I probably I probably snored,
Speaker 2: but I was out.
Speaker 1: I mean, I would say it's the best. I'm like, oh,
Speaker 1: this is yoga. I can just lay down to sleep. Well,
Speaker 1: I am going to boost. This is like a silly boost.
Speaker 1: But I am sitting and we're in our I'm still
Speaker 1: in our old apartment. So by this by the time
Speaker 1: we take next week, we'll be in the new house.
Speaker 1: But I cannot wait because I didn't want to have
Speaker 1: outside noise because we have like no like loud neighbors.
Speaker 1: So I closed all the windows and we had a
Speaker 1: fan because we already took out our of our AC's.
Speaker 1: Plus AC is loud, and we had a fan in
Speaker 1: the window and that's loud. So I am sitting in
Speaker 1: a hot box right now, sweating bullets. I cannot wait.
Speaker 1: Until the new house where we have we have a
Speaker 1: split level system for AC. That's like I don't know
Speaker 1: the difference on a split level and a regular level.
Speaker 1: Either way, it's central air and it's so quiet, Mandra,
Speaker 1: so I can actually have a cool environment. But I'll
Speaker 1: tell you, I am a sweat like I am, like literally,
Speaker 1: I think.
Speaker 2: It's not the day to not have air conditioners.
Speaker 1: Oh my goodness, it's so hot in here. But I
Speaker 1: don't want like the plan blowing in the background. You
Speaker 1: see how much I love you, pa listeners. I am
Speaker 1: literally sitting in a hot box at the last hour,
Speaker 1: sweating up a store. I've probably lost two pounds, but yeah, honestly,
Speaker 1: just a boost for like, you know, patients and getting
Speaker 1: in the new house and AC baby, and so yeah,
Speaker 1: I cannot wait the next time we take I shall
Speaker 1: be there.
Speaker 2: We're on the only podcasters sweating in rooms with no
Speaker 2: air conditioning though, like that's just a podcast. If you're
Speaker 2: going to start a podcast, you need to find a
Speaker 2: quiet room. Like even Terry Gross, you know, even pre
Speaker 2: Burarra for his podcast was complaining about how hot it
Speaker 2: is because they can't have the AC on these rooms.
Speaker 2: So it's you know, it's what we do for our craft.
Speaker 1: Yeah yeah, I mean I love y'all, but I would
Speaker 1: be doing it with the ac next time. But yeah,
Speaker 1: that's just my boosts on the house.
Speaker 2: I'm so excited it's done.
Speaker 1: Yes, I cannot wait. I can't wait to have a
Speaker 1: first Thanksgiving and we're definitely going to have a housewarming
Speaker 1: and you know, like probably some sort of summer barbecue whatever.
Speaker 1: I just want to have like a gathering spot like
Speaker 1: our apartments not really a gathering spot because it's just
Speaker 1: too small. And so when I had my condo when
Speaker 1: I was in my mid twenties, I mean, all my girlfriends,
Speaker 1: we were all like young and single, and all my
Speaker 1: sisters they would we would they would come over all
Speaker 1: the time. So I really just enjoy having you know,
Speaker 1: people over, And just like I said, we don't have
Speaker 1: that as much here. It's like one or two friends
Speaker 1: at a time, just because our place is small here.
Speaker 1: But so I just can't wait to come back to that, like, hey,
Speaker 1: you can always come. You don't have to have a
Speaker 1: special occasion, just come to the house. You know, it's beautiful. No,
Speaker 1: thank you, you're welcome.
Speaker 2: I know exactly how I feel. So congrats. Go next
Speaker 2: go nest enjoy Happy anniversary too, Yeah, and happy birthday
Speaker 2: to my husband. His birthday is the same day.
Speaker 1: Oh is it so now? I'll never forget it.
Speaker 2: Say that next year too. But you did, though I
Speaker 2: can check the tapes.
Speaker 1: No, I probably because I literally have the worst memory
Speaker 1: that it's hilarious. I will forever be grateful for I
Speaker 1: look at my fridge, I'm like, thank you, Mandy's husband.
Speaker 2: I didn't believe you last year, and I don't believe.
Speaker 1: You this year. I can. We forgot just like that,
Speaker 1: and I literally have no recollection. I'm telling you, I've
Speaker 1: been eighties since I was eight, So there's that.
Speaker 2: I love you anyway, just the way you are.
Speaker 1: All right, y'all, It's been an awesome episode, ask for usual.
Speaker 1: I just love that we're getting way more love on
Speaker 1: via social. Please tweet us, please instagram us, facebook us.
Speaker 1: We really love the social outreach. Tell a friend to
Speaker 1: tell a friend, you know. I just I just I
Speaker 1: someone like set a picture. I think they sent me
Speaker 1: like a DM or they posted on their IG where
Speaker 1: she was giggling as she I guess she was walking
Speaker 1: in the park about my cat story, and I was like,
Speaker 1: what did I say? I forgot that. I said I
Speaker 1: took my cat.
Speaker 2: That's my favorite cat story. I love that story.
Speaker 1: But we love that feedback. If you, if me or
Speaker 1: Mandy says anything that you really enjoy, I love, like,
Speaker 1: please show us your reaction and that we like. It
Speaker 1: motivates us to move forward because I feel like we're
Speaker 1: all friends. So you know, we just love hearing from you.
Speaker 2: At the BA podcast on Twitter and at Brandonition Podcast
Speaker 2: on Instagram.
Speaker 1: Yes, you know, I forgot that, so I was like,
Speaker 1: hopefully Mandy will jump.
Speaker 2: I'm always looking for holes to fill. I'm just kidding,
Speaker 2: all right, y'all, all right, Mandy, all right, Happy Brandon
Speaker 2: miss on Wednesday.
Speaker 1: Bye b