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Speaker 1: We're black. We'd chocolate and I will you say peanut
Speaker 1: butter in the summer, Mandy Brown kind of vanilla bean,
Speaker 1: Brown Ambition. Welcome Black Mandy.
Speaker 2: Hi, welcome Black Tiffany.
Speaker 1: Wait a little CARAMELI you know, you know what.
Speaker 2: I plan to get as much sun as I can
Speaker 2: this summer, so yes, I will be. I'm gonna have
Speaker 2: I finally can use last summer. I didn't even need
Speaker 2: to use my summer. I have different summer colors from
Speaker 2: my for like foundation and you know stuff like that.
Speaker 2: So for summer it's a little bit darker, and the
Speaker 2: winter I get pale. But last summer I didn't go nowhere,
Speaker 2: so I never had to even use my summer pale,
Speaker 2: my summer, my summer hue. So yes, I will be
Speaker 2: a little bit more toasted toasted peanut butter. Yeah, food analogies.
Speaker 2: You are about to go on Vaca. How you feeling?
Speaker 1: Oh? I felt believed so my first but my first week,
Speaker 1: I've rented a summer Well, I ran to this really
Speaker 1: beautiful house down by the sure So I'm gonna spend
Speaker 1: a week like just it's like one step for the beach.
Speaker 1: The house is absolutely gorgeous, and so I'm planning like
Speaker 1: at least two to three other like like mini ghetaways.
Speaker 1: This is probably the longest of a week and everything
Speaker 1: else will be like you know, like an extended weekend probably.
Speaker 1: But then during the day I'm going to do like,
Speaker 1: you know, different fun things like I want to find
Speaker 1: like uh, I really love like thrifting and like big
Speaker 1: flea markets. I'm like, I'm sure there's one in like
Speaker 1: Philly I can go to, or I'm sure there's like
Speaker 1: I don't know, like the American This is this big,
Speaker 1: huge mall in Jersey called American Dream that recently opened
Speaker 1: up that's supposed to be you can like, uh not skateboard.
Speaker 1: What are those things called? Like not ice board? What
Speaker 1: does the things that the kids do with the with
Speaker 1: the snowboarding board? Snowboarding you get snowboard. Not that I'm
Speaker 1: gonna snowboard, but honestly, like all the kind of things
Speaker 1: I've always wanted to explore that like are pretty low,
Speaker 1: I'm going to do that.
Speaker 2: That sounds nice. I'm excited for you, and we have
Speaker 2: an amazing lineup of guest co host you guys, So
Speaker 2: stay tuned to Brent Ambition. We've got some exciting guess
Speaker 2: I can't wait to I won't to keep it a surprise,
Speaker 2: but I can't wait to share with you guys, so
Speaker 2: definitely stick around. I will be here while Tiffany is
Speaker 2: out wou sighing and taking a much much needed, well
Speaker 2: deserved break, So stay tuned.
Speaker 1: I bought I made like a really expensive purchase. I
Speaker 1: was like, ah, ooh, I love it. I know, Oh
Speaker 1: my god. So I bought myself a sleep Number mattress.
Speaker 1: But I got all the bells and whistles. It was
Speaker 1: a lot. It costs you know what, it cost me
Speaker 1: more than my first car.
Speaker 2: Okay, well you.
Speaker 1: Know my first car me was, I mean, that's not same.
Speaker 2: But knowing you, your first car is probably like really
Speaker 2: cheap it was.
Speaker 1: My first car was a used little pupp putt that
Speaker 1: I bought from the lot. But still guess how much?
Speaker 2: Oh, I feel like there is right. I don't know
Speaker 2: how those people do it. I'm stressed. Ten thousand dollars
Speaker 2: no lower? Oh, okay, seven thousand.
Speaker 1: Yep, just about yep.
Speaker 3: So I know.
Speaker 2: It was like, can I spend the wheel?
Speaker 1: You gotta find maybe you no. So I was talking
Speaker 1: to my my business code sign about today and I
Speaker 1: was like, you know, expressing a little bit of inks
Speaker 1: even though I'm not gonna lie and sleeping really well on.
Speaker 2: It like it I certainly hope.
Speaker 1: So I know, I know. And he told me that
Speaker 1: it's time for us to kind of like unlock the
Speaker 1: next level of what money means to me, you know,
Speaker 1: or how I utilize money. He said, you know, in
Speaker 1: the beginning, you know, when you were struggling to you know,
Speaker 1: money was a means for you to create security and safety,
Speaker 1: and it's fair to say that you know you've created
Speaker 1: that for yourself, and now you know, I want you
Speaker 1: to be able to spend responsibly, but with that out
Speaker 1: guilt when you know, like even if it's a lot,
Speaker 1: you know, is seven thousand dollars going to tank you
Speaker 1: and your family? I was like no, he said, then
Speaker 1: why you know? And it was also to your you're
Speaker 1: purchasing something that's you know, good for you, and even
Speaker 1: if it wasn't, so what it's not going to cause
Speaker 1: financial harm to you and your family if it's something
Speaker 1: that you're wanting, but especially typically you bought a bed.
Speaker 2: Like yeah, and you know, I was like, Tesla, I
Speaker 2: didn't really be really excited now here like I spend money.
Speaker 1: And so he was like like so he's like, okay,
Speaker 1: we we were playing kind of like not this like
Speaker 1: it's that this is game that my sisters and I
Speaker 1: kind of play whenever I spend money on something that
Speaker 1: like is not like, you know, something like a super need,
Speaker 1: Like my sister Tracy always says, what's the money for?
Speaker 1: So basically like you know what I mean, Like okay,
Speaker 1: like you like you purchased the thing, you know, whether
Speaker 1: like let's just say it's a bag or sage or
Speaker 1: it's whatever, and you know, all the bills are paid
Speaker 1: and you're saving and you max out your retirement, all
Speaker 1: the things you've done, all the things, and you're like,
Speaker 1: so you want to get your nails done, what's the
Speaker 1: money for? Like basically like like what do you like
Speaker 1: what are we holding off for? And so he told me, like,
Speaker 1: you know, that's exactly like to remember that one of
Speaker 1: the one of the ways to use money once you've
Speaker 1: gotten beyond the financial security component. He said, money is
Speaker 1: pretty infinite, meaning like as much as they're like, I mean,
Speaker 1: you could just keep you know, money is a social construct,
Speaker 1: so you technically can make as much money it's humanly possible,
Speaker 1: Like it doesn't make sense that Elon Musk is making
Speaker 1: one hundred and fifty thousand dollars like a minute, Like
Speaker 1: what does that even mean? But time is finite, right,
Speaker 1: he was like, so you can use this kind of
Speaker 1: like infinite resource, this made up thing that we call
Speaker 1: money to buy back something that is finite, meaning buy
Speaker 1: back something that it's not endless, which is your time.
Speaker 1: He said, So this is the stage you're in, Tiffany now,
Speaker 1: and this is for anyone who's kind of listening, who
Speaker 1: is beyond the stage of like security and things like that,
Speaker 1: you know, like with your finances and I'm having a
Speaker 1: hard time making the leap. So I was just literally
Speaker 1: just talking because Zion and I we meet every other Monday.
Speaker 1: And he was like, so this is you're moving into
Speaker 1: this stage. I want you to ask yourself, how can
Speaker 1: I use some of my money to buy back some
Speaker 1: of my time? And so he gave me example, he said,
Speaker 1: I wanted to learn how to What did he say?
Speaker 1: He wanted to learn how to surf? And he's like,
Speaker 1: I've never surfed before, and I had friends that surfed
Speaker 1: and he was like, you know, they said, Oh, it
Speaker 1: took me a couple of years before I could do
Speaker 1: like five foot waves or whatever. He was like, huh,
Speaker 1: I could do that, or he said. I looked online
Speaker 1: and I found like an ex pro surfer who like
Speaker 1: went to the Olympics, and it wasn't cheap, but I
Speaker 1: found out that I could pay because he lived. He
Speaker 1: lived in California, resign lives, and I can pay him
Speaker 1: to give me surf lessons. And he said I can
Speaker 1: bring up to like a few people. So I invited
Speaker 1: friends and said, hey, it's on me, but if you
Speaker 1: want to have some surf lessons. I found someone I'm
Speaker 1: going to pay him to do so, and he said, Tiffany,
Speaker 1: you know, in a few months, I was able to
Speaker 1: serve just as well as my friends who'd served for
Speaker 1: a couple of years, but they had been self taught.
Speaker 1: And he's like, so I got I wanted to serf
Speaker 1: ten foot waves within a few months. I didn't want
Speaker 1: to wait a few years. I got to buy back
Speaker 1: some of my time, and I was just like okay.
Speaker 1: So he was like, you know, so consider like where
Speaker 1: you are now, what are some things that you're wanting
Speaker 1: to learn or to do? So like the example of
Speaker 1: remember I was like like ugh, like in notts in
Speaker 1: my stomach about getting someone to clean the house, yes,
Speaker 1: like this is the first you know, like last year
Speaker 1: was the first year I ever had anyone clean my
Speaker 1: house professionally. And it's like, well, Tiffany, you could clean
Speaker 1: the house for four three to four hours, or you
Speaker 1: can pay Juliana, who's awesome, to clear in the house
Speaker 1: and buy back some of your time. Same thing with cooking,
Speaker 1: Like you know, I'm never much of a cook, and
Speaker 1: I always would feel guilty because I typically like I'm
Speaker 1: still working during times when you would make dinner, and
Speaker 1: sometimes I wouldn't get dinner on the table till like nine.
Speaker 1: And it was like, oh, or I can pay Nisha,
Speaker 1: who's this amazing woman to cook for my family and
Speaker 1: I and I get to buy back time. So I
Speaker 1: was just like, it's just a new way for me
Speaker 1: to think of money outside of just using it to
Speaker 1: create security for myself. And it's just like, you know,
Speaker 1: like like the bed was like you should just see me.
Speaker 1: I was like, oh, meanwhile, Mandy, I've been sleeping on
Speaker 1: the couch for like months because my arm is like
Speaker 1: you know, like since I've gotten the surgery, I just
Speaker 1: could not get comfortable in our old bed. And it
Speaker 1: was really a superman who was like, so I want
Speaker 1: my wife back. Girl, Like, let's go get this damn
Speaker 1: bed so you can sleep.
Speaker 3: Baby.
Speaker 1: If you sleep on the car, do you know, well,
Speaker 1: you know, like I would see it sixty time upstairs
Speaker 1: and they come downstairs and be like I'll see you.
Speaker 2: Later, slithering out leave it out.
Speaker 1: To walk with Shane downstairs, Like let me go downstairs. No,
Speaker 1: but you know, so it was just like such a
Speaker 1: good lesson of like okay, and you know, it really
Speaker 1: solidified for me. My sister Tracy's like, girl, I want
Speaker 1: to go see mommy this weekend, like you know, just
Speaker 1: to check up on them. And she said, she's like
Speaker 1: I opened like a we all have our own keys.
Speaker 1: She was like, my mom was in the living room
Speaker 1: dancing and she didn't hear her come in. She was
Speaker 1: just like getting it in, like oh, and she was
Speaker 1: like my mom turned around, was like, oh, I didn't
Speaker 1: know you were coming over, and she's like you're dancing.
Speaker 1: She's like, yeah, just feeling happy. And you know what,
Speaker 1: my mom had just texted me that day to say,
Speaker 1: I don't know if I remember mentioned the last time
Speaker 1: how they needed a new porch. I remember Mandy and
Speaker 1: I was like, I don't know. It's like, you know,
Speaker 1: it was eleven thousand dollars, which is not a little
Speaker 1: bit of money. But Superman was like, girl, we have it.
Speaker 1: It's your parents. It's a porch. They don't want to Porsche.
Speaker 1: It's a porch. You know, they don't fall through the back.
Speaker 1: And then like I started to send a niche who
Speaker 1: cooks for my family and I every Sunday to make
Speaker 1: sure my parents had like a great Sunday meal. And
Speaker 1: then like my dad's good for leftover, so like for
Speaker 1: for Monday as well, and then too, I send them
Speaker 1: money every month, and so everything kind of landed on
Speaker 1: the same day and she just like text me like
Speaker 1: I'm just my dad too, Like I'm just so happy
Speaker 1: and secure. And I thought, like what Zion, Like what
Speaker 1: Zion is saying, like you know, or what really Tracy
Speaker 1: was saying, like what is the money for? And for me,
Speaker 1: that's what that's a huge component of what is the
Speaker 1: money for? And so my mother can dance in the
Speaker 1: dining room without worry and not having to worry about
Speaker 1: how she's gonna pay the mortgage. It's paid off, you know,
Speaker 1: like having spending money she got it a porch that
Speaker 1: was rotting, and how we're gonna pay for it. It's done,
Speaker 1: you know, And so yeah, like it's a it's a
Speaker 1: new it's such a I've never had a significant amount
Speaker 1: of money before, so it's still a new space. So
Speaker 1: sometimes I'm still navigating as preschool teacher tiffany where. It's like, well, girl,
Speaker 1: every mint, every penny counts, and you know, every nickel,
Speaker 1: every dime away and it's like, no, Tiffany, you responsible.
Speaker 1: You can trust yourself to say, I put some aside
Speaker 1: for this you've maxed out retirement savings, all the things,
Speaker 1: you have almost two years worth of emergency fund. Like, girl,
Speaker 1: you're doing all the things you can afford. These things
Speaker 1: that one, you know, bring joy to yourself and other people,
Speaker 1: and two help to buy your time back.
Speaker 2: Can you just buy something pretty? I just buy it
Speaker 2: just if it makes you happy. Just buy because even now,
Speaker 2: I'm just like, uh huh, porch mattress, I'm not excited
Speaker 2: like I want to be for.
Speaker 1: You, like I'm gonna try. I'm gonna try some country
Speaker 1: and just gonna you know, I'm gonna get some food.
Speaker 2: I don't know.
Speaker 1: It's true. It's hard, man, and it's so crazy, like
Speaker 1: I still am like, okay, but that's one of the
Speaker 1: things I I doing this.
Speaker 2: Success classic surgery. Girl, I'm gonna find want to buy
Speaker 2: you some time back.
Speaker 1: One random thing that doesn't like because you're right, I still, honestly,
Speaker 1: I still have such a hard time, Like Tiffany, you
Speaker 1: gotta use it to be responsible.
Speaker 2: You don't call my husband. He has some ideas.
Speaker 1: So I'm gonna think of something because it's so crazy,
Speaker 1: like you know, like mindset is such a such a
Speaker 1: crazy thing. How you can get locked in. And the
Speaker 1: crazy thing, I guess what's so hard about shifting mindset
Speaker 1: is oftentimes that mindset is what got you here, you know,
Speaker 1: this like responsibility with money it got me here, but
Speaker 1: it's also keeping me here, you know, So that shift
Speaker 1: is like it's not easy. And I, you know, I'm
Speaker 1: always trying to be transparent with you guys, because I
Speaker 1: I my worry is that on social everything is made
Speaker 1: to look so easy, breezy, pretty, that if you just
Speaker 1: do this, everything turns out perfect. And you know, manny
Speaker 1: and I try to be honest like, yeah, girl, I
Speaker 1: don't know what they talking about with it, but it's
Speaker 1: not you know, like you can make it, like you know,
Speaker 1: I make good money now, and I still struggle with.
Speaker 2: Money and that like for me, sometimes that's the fear
Speaker 2: of I can I achieved this, but it can be
Speaker 2: I could lose it, you know. And there's even if
Speaker 2: it's like an irrational fear because you know, my money
Speaker 2: is FDIC insured if it's in cash, and you know,
Speaker 2: I'm investing very wisely in the market and history tells
Speaker 2: me that the market typically will go up over time.
Speaker 2: But still there's like that little bit of irrational fear
Speaker 2: that someone might come and snatch it all away. So
Speaker 2: I actually find that it helps me make decisions about
Speaker 2: enjoying the money now because I'm like, you're right, someone
Speaker 2: could take it away. Let me expend it on things
Speaker 2: that someone can't take away, so experiences. So I've never
Speaker 2: really felt guilty about. One of my guilty pleasures was
Speaker 2: Broadway and haven't been on the Broadway Show a lot
Speaker 2: of time. Yeah, but Broadway tickets those were always really expensive.
Speaker 2: You know, it could easily be five hundred bucks for
Speaker 2: a date night for Broadway show. I know, No, that's
Speaker 2: I mean I used to You can get cheaper tickets
Speaker 2: through lotteries and stuff like that, but to have the
Speaker 2: peace of mind that you're just gonna have a good seat, yeah,
Speaker 2: like five hundo for two people easily and then nice dinners.
Speaker 2: So ooh, let me tell you I did this week.
Speaker 2: So I have been stalking. There's just really a beautiful
Speaker 2: farm up here in Westchester where I live, and it's
Speaker 2: called blue Hill or sorry, Stone Barn Center in the
Speaker 2: restaurant attached to the farm is called Blue Hill, and
Speaker 2: they're doing this really cool like thing. The head chef
Speaker 2: basically stepped aside he's a white man, and he basically
Speaker 2: stepped aside and said, you know, I'm going to step
Speaker 2: back from my head chef position and we're going to
Speaker 2: have chefs and residents instead. So last year was season one.
Speaker 2: This year's season two, and they basically have a lineup
Speaker 2: of like five or six diverse so men, women, Black, Asian,
Speaker 2: you know, Latino. They have a lot. They're amplifying the
Speaker 2: talents of these chefs and bringing them to Blue Hill
Speaker 2: to cook for a season. And it's really it's really
Speaker 2: really hard to get it's not even a ticket, but
Speaker 2: to get a reservation. And I have just for some reason,
Speaker 2: I've been waking up at like four am, you know,
Speaker 2: I don't know, the melatonin wears off. And I'm just
Speaker 2: on the Blue Hill website and I got a spot.
Speaker 2: Someone canceled their reservation.
Speaker 1: Oh yes, so where is it.
Speaker 2: It's in. It's in Westchester where Terry Town. It's not
Speaker 2: it's like somewhere cute in Westchester. But I've just heard
Speaker 2: really amazing things and I'm excited because the master chef
Speaker 2: that they have right now, it's their guest, is uh
Speaker 2: Brian Furman. He's actually from Atlanta or he has a
Speaker 2: restaurant in Atlanta, but he's a barbecue pit master. He's
Speaker 2: like the first pit master to be a James Beard
Speaker 2: Foundation semi finalist. So James Beard is like, I don't
Speaker 2: know the Pulitzers of the food world. So he's won
Speaker 2: all these awards and he has this restaurant in Atlanta
Speaker 2: called Crackle in BBQ BBQ Barbecue, and he has a
Speaker 2: really amazing story. He lost a restaurant four years he
Speaker 2: lost a restaurant to a fire, and he's working on
Speaker 2: opening a new one in Atlanta. So I'm gonna go
Speaker 2: check him out this Thursday. I'm so excited. It's expensive, though,
Speaker 2: I think it's like, what is it. It's ended up
Speaker 2: being one hundred dollars per person because they don't do
Speaker 2: they don't they They're like one of those restaurants that
Speaker 2: stopped doing gratuity, so they kind of bake it into
Speaker 2: your bill, I guess. But yeah, I'm taking Husban and
Speaker 2: I was like, we have a couple friends and I
Speaker 2: said it's one of those things where I was, you know,
Speaker 2: your heart's racing, you only have like seven minutes the
Speaker 2: whole reservation, and I'm like, it's so what are you
Speaker 2: better answer this text and immediately she was like, yes,
Speaker 2: we're in. So that's yeah, Mommy and Daddy are going
Speaker 2: on an expensive dinner date. But I'm I'm excited. It
Speaker 2: feels like the world's opening up again.
Speaker 1: It's this.
Speaker 2: I do feel like I'm ready to spend some spend
Speaker 2: some money on some experiences because they can't take it
Speaker 2: away from you at.
Speaker 1: The end of the day. Yeah, honestly, I'm just like, yeah,
Speaker 1: I'm still experiences are a little bit easier. I think
Speaker 1: that's what it is, is that they're a little bit
Speaker 1: easier for me to spend money on. But definitely things
Speaker 1: are definitely a lot harder for me to spend money on.
Speaker 1: But like I said, I'm opening up. I'm trying. Like
Speaker 1: this house that I wanted, I mean I could have
Speaker 1: gotten so I remember I was thinking about, ooh, you
Speaker 1: can get this other modest house, and I'm like yeah,
Speaker 1: but this house. It was this Victorian house, totally renovated.
Speaker 1: It looks gorgeous. And I've been wanting a hammock for
Speaker 1: the longest and I had a hammock in the front,
Speaker 1: and I'm like, yeah, but this is like, this is
Speaker 1: a lot more and I was like, girl, what said, Like, timmany,
Speaker 1: what is the money for? You want this house? It's
Speaker 1: a beautiful house. It's one step away from the beach.
Speaker 1: It has a backyard and a grill and all these
Speaker 1: things like you want to be comfortable for the week,
Speaker 1: you know. And I'm just like, so, yeah, you could
Speaker 1: get this cheaper place, but guess what, You're gonna probably
Speaker 1: spend a lot of time in this house for this
Speaker 1: full week, Like Sis, I'm gonna need you to be
Speaker 1: fully comfortable. Yeah, it's just like I said, it's practice,
Speaker 1: and like I'm just you know, it's still like there's
Speaker 1: still a lot of PSD post traumatic stress syndrome from
Speaker 1: losing everything and me being afraid of going back there,
Speaker 1: and so I'm definitely much better than I was before,
Speaker 1: but I still, you know it, basically it's going to
Speaker 1: be practiced to say, you know, like, you know, is
Speaker 1: it a massage a week? I remember he Zion mentioned
Speaker 1: that and I was like, you know what, that would
Speaker 1: be kind of nice. Do it?
Speaker 2: Do it for those of us too?
Speaker 1: I was like that actually sounds kind of nice, or
Speaker 1: like what else is there? Like you know what, like
Speaker 1: thing that's just because it's a thing that I enjoy
Speaker 1: do I want to make a regular part of my life.
Speaker 1: So it was just like I said, it was just
Speaker 1: because one of the things he mentioned. I knew he
Speaker 1: was gonna say this because I like, at this point,
Speaker 1: I know, he was like, right now, you're out of
Speaker 1: integrity with yourself. He's like, because he's like, I've read
Speaker 1: that section of the book where you said I don't
Speaker 1: believe in over sacrifice. You know. He said, you said
Speaker 1: you don't believe in over sacrifice and that if something
Speaker 1: doesn't cause you financial harm, then get it. Money is
Speaker 1: to be enjoyed. You said that in your book. And
Speaker 1: yet I was like, he said, you're out of integrity
Speaker 1: and it's true. Yeah, I know. I was like, oh,
Speaker 1: you just be reading my book. Huh. Meanwhile, this is
Speaker 1: your uh, this is your weekly book reminder from rand Ambition.
Speaker 1: Get Good with Money is available at gig good money
Speaker 1: dot com.
Speaker 2: Did you read a book?
Speaker 1: No? But yeah, So it was just like what I'm
Speaker 1: excited for the time of way, and two I'm just
Speaker 1: really excited for like you know, I'm just working additionally
Speaker 1: on growth, like you know, recognizing like huh, I want
Speaker 1: this to be better and I'm like before just kind
Speaker 1: of suffering through it. I'm like, how do I get
Speaker 1: help to make this better if I don't know how
Speaker 1: to do it myself? And then getting help to do so,
Speaker 1: and you know, in working toward it and through it
Speaker 1: much faster. So I'm actually really enjoying like kind of
Speaker 1: like this loop that I've created, like recognizing a thing,
Speaker 1: asking for help for a thing, putting the help into action,
Speaker 1: seeing change, you.
Speaker 2: Know, normalize. We see we need the world, especially a
Speaker 2: month like this. It's the George Floyd murder, It's been
Speaker 2: a year since his murder, it's the one hundred years
Speaker 2: since the Tulsa massacre of nineteen twenty one. It's a
Speaker 2: lot going on, and I'm just like, we need to
Speaker 2: see Tiffany winning. We need black people to be taking
Speaker 2: care of yourselves, taking care of ourselves, going out out there.
Speaker 2: You know, if you have the resources, using them. We
Speaker 2: need to normalize this, share it, because I mean, no
Speaker 2: one else is going to do it. We have to
Speaker 2: take care of ourselves. So I think you're setting a
Speaker 2: very wonderful example.
Speaker 3: It is.
Speaker 2: It's your job to go have a damn good time,
Speaker 2: my friend. Okay, and relax relax in that hammock swang
Speaker 2: swaying swing and knit. Oh wait, crochet, which one is it?
Speaker 1: I don't even know, girl, I'm doing one of them,
Speaker 1: one of them or none of them. Who cares?
Speaker 2: Bring the yarn, never touch it. It's your hiatus. Okay,
Speaker 2: it's your hiatus, all right? What else is going on?
Speaker 1: You know?
Speaker 2: I read that used car price I didn't read. My
Speaker 2: husband told me, he's like, Babe, we bought our used
Speaker 2: car twenty seventeen. It was a twenty sixteen Masta something
Speaker 2: something I don't even know, and I think we bought
Speaker 2: it for seventeen or eighteen K and we paid it
Speaker 2: off really quickly. But I you know, cars are notorious,
Speaker 2: like before you even drive off the lot, they lose
Speaker 2: like what fifteen twenty percent of their value and immediately
Speaker 2: is a depreciating asset. So that's why I always really
Speaker 2: hated car debt, because you know, you're just you're just
Speaker 2: always kind of losing money on them. But because of
Speaker 2: a used car shortage, used car prices are on the rise.
Speaker 2: So yeah, he was like running our car through a
Speaker 2: couple of different like cost estimated tools like Carvana and
Speaker 2: then one other site and said that we could sell
Speaker 2: it for sixteen or sixteen thousand something dollars, which is
Speaker 2: I think it's only lost like a thousand dollars worth
Speaker 2: of value in five years. Is nuts. And I'm like,
Speaker 2: he's like, you know, you want to sell it and
Speaker 2: get a Tuzla, of course, but I just wanted to
Speaker 2: note that, and I was looking into the reasons why.
Speaker 2: I'm like, why are used car prices going up? And
Speaker 2: it's just kind of like weird, crazy economic times that
Speaker 2: we're in right now. But basically like our car, for example,
Speaker 2: that we got it certified pre owned, but it used
Speaker 2: to be a rental car, and the majority or a
Speaker 2: lot of the rent the used cars on today's market
Speaker 2: come from rental car companies, and last year, because nobody
Speaker 2: was renting a cars, rental car companies weren't getting a
Speaker 2: bunch of new cars. So when it came this year
Speaker 2: to you know, what they typically do would take their
Speaker 2: cars out of rotation and then put them on the
Speaker 2: used car market. But there weren't as many cars on
Speaker 2: the used car market, so simple supply and demand. Not
Speaker 2: that many used cars, more demand for cars, so that's
Speaker 2: why prices have been going up. So if you've been
Speaker 2: thinking about selling your car now maybe the right you know,
Speaker 2: maybe a decent time to do that.
Speaker 1: Yes, I didn't, you know, I never thought about that.
Speaker 1: That's actually I mean, I'm trying to think. I've never
Speaker 1: had a new car. Like in college, my parents got
Speaker 1: us a lease, which was a mistake, chop, because you
Speaker 1: know what, at the least they give you the number
Speaker 1: of miles. Girl, I don't know that car was in
Speaker 1: every state but Jersey because you know, of course, like, oh,
Speaker 1: we're just going here to a friend's house, mean while
Speaker 1: we're in Delaware. So that was a mistake. But after that,
Speaker 1: any car I've ever bought, like, I've had three cars
Speaker 1: that I I've owned straight out, and all of them
Speaker 1: have been used cars. And the last one, the one
Speaker 1: I have now, is actually like just like to your point,
Speaker 1: certified pre own, which I love because like you get
Speaker 1: like all the you know, you get all the safety
Speaker 1: with none of the the not the high cost yep.
Speaker 1: You know. So I had insurance on that car, you know,
Speaker 1: like full flesh if anything went wrong with it for
Speaker 1: like three or four years before finally you know, it expired.
Speaker 1: I think used cars are the jam, but that sucks
Speaker 1: if like you, the whole purpose of getting a used
Speaker 1: car is the fact that you don't have to pay
Speaker 1: as much. I guess we shall see.
Speaker 2: You know, you should see, and definitely, you know, definitely
Speaker 2: shop around to try to get the best deal. Maybe
Speaker 2: it's also like location based. Maybe in some places it's
Speaker 2: not as difficult to get a good deal as others.
Speaker 2: But if you're wondering why your used car, like I listen,
Speaker 2: I was listening to something like a podcast on the
Speaker 2: economy and inflation and all that, and they said that
Speaker 2: used car inflation was ten percent in April. So if
Speaker 2: you bought a car for ten thousand dollars in March,
Speaker 2: you would pay eleven thousand dollars in April for the
Speaker 2: same car used car, So inflation is real. We have
Speaker 2: a question about inflation that we're going to get to
Speaker 2: you later, because that seems to be a hot topic
Speaker 2: these days. But I want to take a pause really quick,
Speaker 2: because it is a really meaningful I hate to say
Speaker 2: anniversary because that just makes it sound like a joyous occasion.
Speaker 2: But on May twenty first, nineteen twenty one, there was
Speaker 2: the Tulsa massacre, which I am willing to admit I
Speaker 2: didn't get taught this at any point in my elementary,
Speaker 2: middle high school career. I only I don't even know
Speaker 2: when I first heard about Tulsa. But for a lot
Speaker 2: of people, the first time they heard about this massacre
Speaker 2: of three hundred black people in Tulsa, Oklahoma and what
Speaker 2: used to be called Black Wall Street in Greenwood. For
Speaker 2: a lot of young people, their first encounter with this
Speaker 2: story was through a show on HBO. I think it
Speaker 2: was called Watchman. Have you ever watched Watchmen? Yeah, it's
Speaker 2: like I don't know. I did watch the opening episode
Speaker 2: because a friend told me about it. But basically they
Speaker 2: recreated the true story of what happened in Tulsa for
Speaker 2: this show, which is actually about superheroes and like Regina
Speaker 2: Kings in it. It's amazing. But yeah, for a lot
Speaker 2: of people, that was their first introduction to this horrific story.
Speaker 2: It's been one hundred years. Three survivors were just on
Speaker 2: Capitol Hill. They testified before Congress. These are three men
Speaker 2: and women who were six seven at the time. They're
Speaker 2: now one hundred and seven one hundred years old, and
Speaker 2: I think one hundred and something else they're over one
Speaker 2: hundred years old, and these heroes went to Capitol Hill
Speaker 2: to testify before Congress because there's now a lawsuit against
Speaker 2: the city against the state. I believe to finally get
Speaker 2: restitution and some form of reparations for the families the
Speaker 2: descendants of this horrific attack. And a friend of the
Speaker 2: show actually Kevin Matthews. He is a investing expert, Kevin
Speaker 2: Matthews of Building Bread. If you guys haven't heard of him,
Speaker 2: definitely check him out. We'll put a link to Kevin's
Speaker 2: info on the show. Kevin is actually a descendant of
Speaker 2: a survivor of the Tulsa massacre. So I actually invited
Speaker 2: Kevin to come on the show and shared a little
Speaker 2: bit of it, a little bit about his family history
Speaker 2: and the context of why this massacre was so meaningful
Speaker 2: and continues to have ripple effects for Black Americans today. Kevin,
Speaker 2: thank you so much for joining us on Brown Ambition.
Speaker 2: Welcome to the show.
Speaker 4: Yeah, thank you for having me.
Speaker 2: So tell us your story. I've known Kevin for I
Speaker 2: don't even know how long. Used to write for Lending
Speaker 2: Tree when I was there, But you have been in
Speaker 2: the Yeah, you've been an investing expert in person in
Speaker 2: the personal finance space for about as long as I have.
Speaker 2: I feel like, and you came up with us and
Speaker 2: all the other you know, black excellence at finn Con
Speaker 2: and all of that, But I really I didn't know
Speaker 2: that you had such a personal story, you know, with
Speaker 2: Tulsa and being born and raised on Greenwood Avenue where
Speaker 2: this horrible massacre occurred. So can you talk about what
Speaker 2: does it mean to you and your family?
Speaker 4: Yeah, it's hard to put into words how much it means.
Speaker 4: And it's still it continues to me more every day
Speaker 4: because for those that don't know about the nineteen twenty
Speaker 4: one Total Race massacre, we didn't really start to learn
Speaker 4: a lot about it into the nineteen nineties. So there
Speaker 4: were times where like my father, who is elected official
Speaker 4: in Oklahoma, didn't learn about until he was in his thirties.
Speaker 4: I had heard rumblings of it growing up, and as
Speaker 4: an adult when researching for my book, I continued to
Speaker 4: learn more things that had not known until three decades
Speaker 4: into it. So it means a lot to us because
Speaker 4: there's a missing chapter in our history, both literally and negatively.
Speaker 4: We have an estimated three hundred people who died who
Speaker 4: still have not been found. We don't know exactly where
Speaker 4: they've been buried, and we're still trying to figure that
Speaker 4: out to this day. And there's always the sense of
Speaker 4: what if. So my house is one block to the
Speaker 4: left of Greenwood when you're looking north, and you have
Speaker 4: to wonder, like my great grandparents did they have a
Speaker 4: business or home there? What would have happened to the
Speaker 4: property value had Greenwood been allowed to survive? And the
Speaker 4: many many businesses and people who had succeeded at that
Speaker 4: point in time where we be today, and how much
Speaker 4: different would that region be? What if you know, this
Speaker 4: was at what Atlanta is now right in the nineteen twenties,
Speaker 4: and that entire history it was eliminated and wiped from
Speaker 4: the history books again literally it was not required to
Speaker 4: be taught up until last year. So it's just so
Speaker 4: many things and so many questions that we still have
Speaker 4: one hundred years later.
Speaker 2: And what is your book about? Is it a Yeah?
Speaker 2: Talk a little bit about the book and what made
Speaker 2: you want to write it?
Speaker 1: Yeah?
Speaker 4: For me, So the book is about primarily the Tulsa
Speaker 4: Race massacre, but I also give a plan to create
Speaker 4: black wealth moving forward, because what I saw in this
Speaker 4: space was that there are a lot of amazing books
Speaker 4: to talk about where Tulsa is today, what happened, what
Speaker 4: led up to it, and that's kind of it. They
Speaker 4: kind of say, all right, well, this is Tulsa today
Speaker 4: and end of the story. And I wanted to provide
Speaker 4: a very clear plan about what do you do moving forward?
Speaker 4: How should you invest your money, how should you spend
Speaker 4: your money to recreate Black Wall Street in the twenty
Speaker 4: first century. So my book starts off with the history.
Speaker 4: We talk about how white supremacy has moved throughout the
Speaker 4: United States since the very beginning, and how this pattern
Speaker 4: has continued to occur both right now but also in
Speaker 4: the past. And then we again sum up the book
Speaker 4: around what to do next, how do we rebuild and
Speaker 4: how do we do that on an individual level and
Speaker 4: a community level.
Speaker 1: So one of the things, because I've known you for
Speaker 1: a long time, Kevin, that and first of all, your
Speaker 1: if you Kevin, do you post fight me Fridays on Instagram?
Speaker 4: I don't do it on Instagram.
Speaker 1: You need to what I tell you, Like, I mean,
Speaker 1: we're getting like serious Kevin here. No, Kevin is hands
Speaker 1: down one of the most hilarious people that you will
Speaker 1: ever meet. He does this thing called fight Me Fridays
Speaker 1: where it's like all these what could be seemingly unpopular
Speaker 1: opinions and they are hilarious and shady as hale. So
Speaker 1: he needs then. So that's one. So you know, we
Speaker 1: get serious, cake, We're gonna get back to seriously. But
Speaker 1: I just won't to let the people know. Kevin is hilarious.
Speaker 1: He's got the most the two most adorable kids. I
Speaker 1: don't even know how you can make kids so cute.
Speaker 1: I mean, cub is so your son the dimples and
Speaker 1: then what's the baby girl's name, Carver? Carver? Oh, just
Speaker 1: like yeah, the kids are just just adorable. And then Kevin,
Speaker 1: you're also a contributor to get it with money. Yeah,
Speaker 1: so Kevin is the he might go to expert for
Speaker 1: the for the first half of the investment chapter. But
Speaker 1: something that I have seen you post about over and
Speaker 1: over again on social and I feel your frustration is
Speaker 1: that you're like you hear all of this conversation about
Speaker 1: Black Wall Street. You here, you see people who are
Speaker 1: starting banks as a result or investment funds, and over
Speaker 1: and over and over again, I've seen you say, and
Speaker 1: yet no one has ever reached out to actual people
Speaker 1: in Tulsa or those who have been affected by the massacre.
Speaker 1: What happened? So can you just talk more about that,
Speaker 1: like why do you think that is? And like what's
Speaker 1: you know, what's going on there?
Speaker 4: Yeah, So there are a lot of new apps and
Speaker 4: initiatives and quote unquote investments that have been named after
Speaker 4: black Wall Street or after Tulsa or after Greenwood. And
Speaker 4: from my perspective, the perspective of my family, the perspective
Speaker 4: of all my friends who are still in Tulsa, that's
Speaker 4: not cool. And I say that because you should not
Speaker 4: come and take the name of Tulsa or Greenwood and
Speaker 4: say we're doing this in respect to those who who
Speaker 4: built black Wall Street. But then no one on your
Speaker 4: staff is from black Wall Street, no one from your
Speaker 4: staff is a survivor. Of the money that you've raised
Speaker 4: goes to anything in the city. And that's you know,
Speaker 4: you're really capitalizing on our pain, right, You're capitalized capitalizing
Speaker 4: on our history and our trauma that we still have
Speaker 4: to deal with, but you get to collect the money from. So,
Speaker 4: for example, there's there's one initiative that's raised forty million
Speaker 4: dollars by naming themselves after Greenwood and hasn't hadn't talked
Speaker 4: to a single survivor, hadn't, hadn't been to Tulsa, hadn't
Speaker 4: talked to any elected officials. But you just got the name,
Speaker 4: you get to raise the money, and you're not hiring
Speaker 4: or circulating that money for the people that you named
Speaker 4: it after. And it's really offensive to do this to
Speaker 4: a city who doesn't who doesn't have the capabilities that
Speaker 4: other cities have, like in Atlanta or Charlotte or in
Speaker 4: New York. So when you put that all together, and again,
Speaker 4: we didn't start studying. The first official commission, the study
Speaker 4: that put this out happened in two thousand and one,
Speaker 4: So we're talking exactly twenty years of us like really
Speaker 4: doing research and finding out pieces that we didn't know yet.
Speaker 4: But you come in and swoop in like some expert
Speaker 4: that you've been here and that you've done all the stuff,
Speaker 4: and take it, rebrand it, and then launch it this
Speaker 4: year like that's that's not that's not okay, it's opportunistic.
Speaker 4: I take great offense to it because it's you don't
Speaker 4: you don't name something after nine to eleven. You don't
Speaker 4: name something at the Olkahoma city bombing when you weren't there, right,
Speaker 4: And that's not something to celebrate or or to make
Speaker 4: money off of. And that's that's where my frustration come from.
Speaker 4: And the majority of people who are still in Tulsa
Speaker 4: feel the same way.
Speaker 2: What do you feel would be so, I mean, I'm
Speaker 2: thank you for sharing that perspective, because it's not something
Speaker 2: that I'd even thought about. I and as someone who
Speaker 2: you know, earlier in the intro I admitted I had
Speaker 2: not learned about the Tulsa massacre at least up until
Speaker 2: the last few years, I will say, so, I'm definitely yeah,
Speaker 2: I'm one of those who was so ignorant to it.
Speaker 2: I understand now, you know, I've I've read and watched
Speaker 2: some of the test of of the sort of the
Speaker 2: three what do you call them, Sententingerians over one hundred
Speaker 2: years old. These survivors are, and they testified on Capitol
Speaker 2: Hill this past week about their experience in the massacre.
Speaker 2: And you know, of course, what I love about your
Speaker 2: book too, is it talks about action. You know, what
Speaker 2: can we do now to help re establish and build
Speaker 2: black wealth? But you know, you've sort of given an
Speaker 2: example of maybe the wrong way to go about doing it.
Speaker 2: But what are some of the ways we today, as
Speaker 2: people who know better today, how can we do better
Speaker 2: when it comes to honoring the memory of the people
Speaker 2: who lost their lives, and not just those who lost
Speaker 2: their lives, but people who lost their livelihoods.
Speaker 4: Yeah, I think the most important thing is is to
Speaker 4: lead with empathy or to build something to honor people,
Speaker 4: but actually honor them. So have them as someone on
Speaker 4: the board or an advisor, and have them to have
Speaker 4: some sort of input in that initiation. Like I'm not
Speaker 4: so hubrious to say that, you know, someone from Tulsa
Speaker 4: needs to run every single thing. I don't think that
Speaker 4: needs to be the case. But have someone on your board,
Speaker 4: employ people from that area. Circulate the wealth in the
Speaker 4: exact same way that Greenwood was founded. It was founded
Speaker 4: primarily by two men who bought up large tracts of
Speaker 4: land and rented and sold them two black people. So
Speaker 4: they say, look, I have enough wealth. I want to
Speaker 4: make sure that can circulate this and build an entire community.
Speaker 4: So it does not make sense, and it is antithetical
Speaker 4: to the idea of Black Wall Street to found something
Speaker 4: and not circulate it with the people who should be
Speaker 4: at the center of it.
Speaker 2: Yeah. Absolutely, And as a survivor yourself, I mean, putting
Speaker 2: the two together, I can see, like I wonder if
Speaker 2: part of the reason you developed such a passion for
Speaker 2: financial empowerment, for investing in wealth building was because of
Speaker 2: your family's ties to Black Wall Street and what happened there.
Speaker 4: I would say, yes, And it's it's been a really
Speaker 4: strange journey to that conclusion for myself. So, for example,
Speaker 4: my dad would read us stories when we were kids
Speaker 4: just about Black Wall Street, so we didn't really know
Speaker 4: about the massacre part of it, which makes sense. I
Speaker 4: was seven, it's probably a little too early for that.
Speaker 4: And in middle school I went to Carver Middle School,
Speaker 4: which my daughter is named after George Washington Carver and
Speaker 4: it just so happens to also be the name of
Speaker 4: the school, but it's also directly on Greenwood Avenue and
Speaker 4: Booker T. Washington he came to Holt in the early
Speaker 4: twenties and called it negro Wall Street. Rankly enough, I
Speaker 4: did not know this at the time that I went
Speaker 4: to college.
Speaker 3: Booker T.
Speaker 4: Washington was a graduate at Hampton University, which was then
Speaker 4: Hampton Institute. So a lot of my personal history of
Speaker 4: kind of where I went to school, how I kind
Speaker 4: of you know, came into to being in terms of
Speaker 4: like in the financial space. There are a lot of
Speaker 4: parallels that that happened within my own life that I'm
Speaker 4: also still figuring out and still discovered ring through this
Speaker 4: entire process.
Speaker 2: Well, thank you so much for Yeah, sorry, Teff, what
Speaker 2: you say.
Speaker 1: I'm just going to say that it's just I'm just
Speaker 1: because sometimes, you know, I feel like we are inundated
Speaker 1: with our history being you know, one of just slavery
Speaker 1: and downtrodden. This and it's just what I really love
Speaker 1: about Black Wall Street. And I know it's not the
Speaker 1: only kind of like black city that showed that, you know,
Speaker 1: when resources are there, that we are capable and able
Speaker 1: to do for ourselves, you know. And so I just
Speaker 1: thank you for continuing to make sure that this is
Speaker 1: something that all folks can learn about. And if you
Speaker 1: could share like your book name or where people can
Speaker 1: purchase it. I know you've been doing some book signings
Speaker 1: if you have any information about that, but yeah, we'd
Speaker 1: love to continue to support you.
Speaker 4: Yeah, I appreciate it. And I'll end off on this
Speaker 4: note too, because I didn't know this and a lot
Speaker 4: of people assume that after nighteen twenty one that was it.
Speaker 4: Tulsa did rebuild Black Wall Street deal rebuilt by nineteen
Speaker 4: twenty three, and then shortly after it was a great depression,
Speaker 4: which you know that put it into a lot of things,
Speaker 4: But we did rebuild, and I think that's also an
Speaker 4: important story to tell. But lastly, you can find me
Speaker 4: in all places on social media and learn more about
Speaker 4: the book at buildingbread dot com slash blueprint. I am
Speaker 4: doing a signing in Tulsa. I'll be in Tulsa for
Speaker 4: the next two weeks or so, following the centennial events
Speaker 4: and anything that you want to learn more about the book.
Speaker 4: I'll be making a few appearances across the interwebs, and
Speaker 4: you can find all that on my Instagram page and
Speaker 4: on my website and what's your instagram again, it's at
Speaker 4: Building Bread.
Speaker 2: Kevin, thank you so much for hopping on the show
Speaker 2: and sharing your story. It's so important to us and
Speaker 2: we appreciate your perspective.
Speaker 3: Thank you.
Speaker 2: All right, y'all, well, thank you again to Kevin of
Speaker 2: Building Bread. You can check him out at buildingbread dot
Speaker 2: com to find out more about his book and where
Speaker 2: you can find his amazing work. But let's switch gears
Speaker 2: and head on over to our inbox. I have been
Speaker 2: digging through our dms on Instagram and we've got a
Speaker 2: couple of good questions. So first up, it's about the
Speaker 2: dreaded word inflation. All right, Instagram user who wants to
Speaker 2: remain anonymous says, girls, can you please talk about inflation?
Speaker 2: How can we increase our value of money as the
Speaker 2: dollar value decreases?
Speaker 1: Help?
Speaker 2: We could use some info on inflation in our community.
Speaker 1: Well, keeping your name of secret, I'm gonna call you
Speaker 1: keep for short, Let's first of all talk about what
Speaker 1: what is inflation? So just to be clear, inflation is
Speaker 1: the devalue of money over time, poor eemplo. That means,
Speaker 1: for example, for those of you who are not bathe bilingual,
Speaker 1: like Mandy and I in Spanish, poor e heemplo. So
Speaker 1: you know how like when you were a kid, like
Speaker 1: did you used to call it quarter waters? You know
Speaker 1: those little like like they look like little mini barrels,
Speaker 1: Mandy like, and they were like different colors like blue and.
Speaker 2: They don't know what they were called, but red drink, orange, drength.
Speaker 1: Well back in the day when I was young, I'm
Speaker 1: not a kid anymore. We used to call it quarter waters.
Speaker 1: Now if you go to the corner store, you're gonna
Speaker 1: see those things for like thirty five forty fifty cents.
Speaker 1: So we called it quarter water because they used to
Speaker 1: be a quarter, but now they cost more. And what
Speaker 1: that means is that your money can do less over time.
Speaker 1: So essentially that's what inflation is.
Speaker 3: Is that.
Speaker 1: So you ever hear your grandma say, well, when I
Speaker 1: was your age, I bought a house when I was
Speaker 1: twenty five. Well, Grandma, your house cost you eighty thousand dollars.
Speaker 1: You know, like you know that same house, you could
Speaker 1: not get it for eighty thousand because your money can
Speaker 1: do less. It's devalued over time. So I just wanted
Speaker 1: to get clear about what's inflation.
Speaker 2: Yeah, and the reason people are, you know, inflation is
Speaker 2: hot topics these days is because of what has been
Speaker 2: happening since the pandemic. So a lot has been happening.
Speaker 2: I just gave you an example in the last segment
Speaker 2: about the rising cost of used cars. That's a good
Speaker 2: example of inflation right there. So over a month between
Speaker 2: March and April, a car that costs ten thousand dollars
Speaker 2: one month used costs eleven thousand dollars to the person
Speaker 2: who waited a month to buy it. Because if of inflation,
Speaker 2: because I'm part of inflation, and basically it's when the
Speaker 2: cost of goods increase, but your dollars are you know,
Speaker 2: because the cost of goods increase, and sometimes your dollar
Speaker 2: doesn't increase the same rate. You know, you can buy
Speaker 2: less with the same dollar that you have today, as
Speaker 2: you know, a month from nour Usually inflation moves pretty slowly,
Speaker 2: but because of the pandemic, and still it's very con fusing,
Speaker 2: and even economists don't necessarily agree or don't have enough
Speaker 2: evidence yet to point to why. But inflation is going
Speaker 2: pretty fast. One of the reasons they're saying that inflation
Speaker 2: is on the rise is because stimulus checks. There's a
Speaker 2: this is this is tricky because it's very political. It's
Speaker 2: very politicized. The whole decision of Congress, to old Democrats
Speaker 2: in Congress to issue stimulus payments to the American people
Speaker 2: because of the you know, because of how traumatic financially
Speaker 2: the pandemic has been for so many families across the country.
Speaker 2: So some Republicans, conservatives have been kind of glomming onto
Speaker 2: this storyline that, oh, because we have flooded the economy
Speaker 2: with this, you know, these fourteen hundred dollars was the
Speaker 2: last I think fourteen hundred dollars was the last amount
Speaker 2: of stimulus checks that went out. Because we're flooding the
Speaker 2: economy with all these dollars, that is going to decrease
Speaker 2: the value of the dollar, and at the same time
Speaker 2: goods and services are going to get more expensive, so
Speaker 2: you have inflation occurring. So while inflation's always sort of
Speaker 2: it's out there, it's always happening, over time, you're seeing
Speaker 2: it at a more rapid pace over the past couple
Speaker 2: of months. There's no telling where it's going to go
Speaker 2: from here. Maybe it'll slow down, maybe it'll keep going up.
Speaker 2: But your question is, you know it's well taken, what
Speaker 2: can people do to protect their dollars and to prepare
Speaker 2: for inflation if it's going to get worse or if
Speaker 2: it's already happening. So this is one of the reasons
Speaker 2: why we're constantly talking about making your money work. So
Speaker 2: inflation's kind of always the enemy, one of the enemies
Speaker 2: of the dollar. So that's why if you have a
Speaker 2: ton of money sitting in a cash a cash account
Speaker 2: you know, checking or CDEs or savings accounts. Your dollars
Speaker 2: really are not going to be gaining value. You're losing
Speaker 2: money over time because of inflation. One of the most
Speaker 2: straightforward ways to hedge against inflation and to actually let
Speaker 2: your dollars work for you is to invest it in
Speaker 2: the market. There are other ways of investing besides just
Speaker 2: in stocks, other asset classes that you can buy. So,
Speaker 2: for example, there's a type of treasury that you can
Speaker 2: buy that guarantees your money will earn value over time,
Speaker 2: not a lot, not anything close to what you might
Speaker 2: earn in the stock market, but it is a type
Speaker 2: of treasury that is meant to protect against inflation. So
Speaker 2: if you're like on the more conservative side, you don't
Speaker 2: want to get into the market and put a bunch
Speaker 2: of money into stocks, then you know you have that
Speaker 2: as an option too. But it's not if you're trying
Speaker 2: to protect against inflation your bank account, ain't it. It's
Speaker 2: not happening.
Speaker 1: I'll say this that like I mean to Mandy's point,
Speaker 1: like investing and investing. As she mentioned, there are multiple
Speaker 1: asset classes you might want to invest in real estate,
Speaker 1: you know, basically you put your need to work. You know,
Speaker 1: you purchase a property and then you rent the property out.
Speaker 1: Investing in businesses so one of the things, you know,
Speaker 1: I put a lot of money, especially when I first
Speaker 1: started into my business, and as a result, the business
Speaker 1: yields more money back, you know, than I put in.
Speaker 1: And that's how you have like a profitable year, you know, investing.
Speaker 1: I know people who invest in art, you know that appreciates.
Speaker 1: Like now, I don't know if.
Speaker 2: Metal huh, metals like gold yep, silver yep. I mean
Speaker 2: that's not I don't have any experience in that. Oh hello,
Speaker 2: phone call in the middle.
Speaker 1: Of I don't heard, but like yeah, So honestly, the
Speaker 1: only way to really like literally, if there is one
Speaker 1: word two syllables in order to out perform inflation meaning
Speaker 1: your money being devalued over time and things costing more
Speaker 1: of a time to invest. That's it. Whatever investing looks like,
Speaker 1: investing just means to grow your money, to actively grow
Speaker 1: your money. Well I want to say actively, I'll just
Speaker 1: say to grow your money. That's what investing is. So
Speaker 1: however you decide to grow your money, that's really it.
Speaker 1: You can grow your money to keep the pace of inflation,
Speaker 1: meaning like let's just say your money is losing value
Speaker 1: at three percent a year, and then you you know,
Speaker 1: you're in You're making three percent a year. Great, some
Speaker 1: people you know are making three hundred percent, you know,
Speaker 1: in this market, some people are doubling their money as
Speaker 1: a result of businesses. But at the end of the day,
Speaker 1: it comes down to investing. So that is like one
Speaker 1: of I've kind of been like really passive with investing.
Speaker 1: I'm like, oh, I've got a certified financial planner, and
Speaker 1: I know the basics and ats and mutual funds, but lately,
Speaker 1: even for myself, I'm like, no, I really want to
Speaker 1: learn the next level of investing. And Supergirl my step
Speaker 1: my bonus darter, she's fourteen, and she expressed an interest.
Speaker 1: So now we're actually looking for like, you know, courses
Speaker 1: to take together. So like it's like, you know, something
Speaker 1: bonding because she has really taken an interest in entrepreneurship.
Speaker 1: And my sister always says Mandy that Supergirl can't wait
Speaker 1: to be forty. Because when I tell you, Mandy, I'm like,
Speaker 1: who's playing Mary J Blige? Supergirl Beyonce? I'm like how,
Speaker 1: And I mean she's.
Speaker 2: Waiting like, oh no, and she now, yes.
Speaker 1: She's like like she but like all the things she
Speaker 1: listens to. I mean, she's a straight a student. She's
Speaker 1: like a little old lady. I mean, I remember she
Speaker 1: used to watch the Georgia Lopez show. I'm like, well,
Speaker 1: she was like seven, like this is my show, Golden Girls.
Speaker 1: So the joke is around the house that she can't
Speaker 1: wait to be forty because we're all, you know, like
Speaker 1: I'm forty one, my husband's forty, her her mother is forty,
Speaker 1: and so she's just all around like all these forty
Speaker 1: year olds, and so that's all she knows. But so
Speaker 1: now she wants to learn how to like trade and
Speaker 1: invest in. She was super excited. I remember that time,
Speaker 1: did we talk about crocs? How Nicki Minaj had posted
Speaker 1: she had not been on social media for some months
Speaker 1: because she had a baby, and she posted a picture
Speaker 1: of her self with pink hot pink crocks on and
Speaker 1: the gibbets. Instead of gibbets, it had of course diamonds.
Speaker 1: But as a result of her posting it, because she
Speaker 1: and I a supergirl and I were just talking about
Speaker 1: you know, when you start to look for stocks, she
Speaker 1: asked me like, how do I even know you know,
Speaker 1: what stocks to start to look? To do research on that?
Speaker 1: I told her, well, sometimes you can literally start at home.
Speaker 1: Look at the stuff you're buying. What are you and
Speaker 1: your friends into? And she said, you know what. I
Speaker 1: noticed me and mommy went to the mall the other
Speaker 1: day and no store had a line, but the croc
Speaker 1: store had a line around the corner. And I said, well,
Speaker 1: that's a perfect you know, that's when you can look
Speaker 1: and say, huh, what's going on here? So we had
Speaker 1: done a little research and we found that indeed, there's
Speaker 1: been an upsale of people wearing crocs because being home
Speaker 1: has made people want to be more comfortable. And then
Speaker 1: and then sure enough, here goes Nicki Minaje. She posted
Speaker 1: her pink crocks and don't you know, the sale of
Speaker 1: pink crocks that day jumped up four thousand plus percent.
Speaker 1: She actually sent me a screenshot. I was like, look,
Speaker 1: so it was it's like now she's opening her mind
Speaker 1: that like wow, the things that I enjoy that I'm
Speaker 1: interested in, like you know, is the potential for me
Speaker 1: to invest there. So I just share all that to
Speaker 1: say that no matter where you are, whether you're really
Speaker 1: forty one like me or fake forty like Supergirl. You
Speaker 1: can start to you know, start to do your homework
Speaker 1: so to figure out what does investing look like for you?
Speaker 1: And that's the best way to beat inflation.
Speaker 2: Absolute mod if I can keep our bilingual. I thought
Speaker 2: it was my girl. That's like the one word I
Speaker 2: remember from five years of French, including a year in college.
Speaker 2: But let's take another This is actually a really good question.
Speaker 2: I just dug this up from our email inbox again.
Speaker 2: Y'all can email us at Brown Ambition Podcast at gmail
Speaker 2: dot com with your questions, also on ig at Brown
Speaker 2: Ambition Podcast. This one's from a mom who's interested in
Speaker 2: taking a break from corporate America with her kids. So
Speaker 2: this comes from Lakeisha. She says, I'm interested in your
Speaker 2: opinion on taking a break from corporate America and traveling
Speaker 2: for a year. I have a job making over six
Speaker 2: figures with great benefits. I have a net worth at
Speaker 2: just a million, with about half of that in liquid assets.
Speaker 2: The challenge is, I'm a single mom to an eleven
Speaker 2: year old. Is it reckless and irresponsible for me to
Speaker 2: try this? And I'm not a spring chicken. I'll be
Speaker 2: fifty this year, conflicted on doing this while I'm healthy
Speaker 2: or stay and grind away trying to reach financial independence
Speaker 2: in seven to ten years. I don't know, is it
Speaker 2: just like the pandemic exhaustion and me? But I'm just like, girl,
Speaker 2: go take the kid and run, go for a year,
Speaker 2: enjoy your life. What do you think to Yeah?
Speaker 1: I think like because it sounds like, I mean, you've
Speaker 1: you've done the work. It's almost like what's the money for?
Speaker 1: And we talked about that earlier. Yeah, you know, so
Speaker 1: I could see if you were like, honestly, I've got
Speaker 1: you know, three hundred thousand dollarsand dead and you know
Speaker 1: we don't make enough to feed ourselves, you know what
Speaker 1: I mean. Like, if that's the story, then it's like, well,
Speaker 1: the money is for security and to get to a
Speaker 1: place where you are financially safe. But it sounds like
Speaker 1: you're there and like the money the money is for that.
Speaker 1: You know, you get to use your money now to
Speaker 1: buy that time like you've done it, you know what
Speaker 1: I mean? So lean into like all the hard work
Speaker 1: if you've put in, because nothing is promised, like you
Speaker 1: just hear about so many people who waited, Like oh,
Speaker 1: I can't wait. You know, when we're sixty five, well
Speaker 1: retire and then somebody falls ill and they can't go
Speaker 1: on vacation, and you're like, you work your whole life
Speaker 1: for what, so if ever, you get an opportunity. And
Speaker 1: this is me trying to get back an integrity with
Speaker 1: myself because I'm telling you this, but here I am
Speaker 1: talking about I bought a mechan st. So this is
Speaker 1: like me like looking at the mirror. I'm talking to you, Tiff,
Speaker 1: like you know you work really hard to be able
Speaker 1: to provide beyond security. You're not just here to survive
Speaker 1: this life. You are here to also thrive. Once you
Speaker 1: get past the survival mode, you know, it really is
Speaker 1: for you to use your money in ways you know
Speaker 1: that will help you thrive. So I say, go for it.
Speaker 1: You sound like really dope, like mom, And honestly, to me,
Speaker 1: it sounds like you know you're capable if you're wanting
Speaker 1: to figure out additional ways to make income. You know,
Speaker 1: if you need to, so you can always tap into
Speaker 1: your to what I call your internal bank. You know,
Speaker 1: we all have this bank. You deposit all this awesomeness
Speaker 1: into it and you can withdraw as a result.
Speaker 2: Yeah, I mean, no one can predict the future, but
Speaker 2: I feel like corporate America is not going anywhere. You know,
Speaker 2: maybe it's you try for a month, see how it goes.
Speaker 2: Maybe you try for two months. You have a kid
Speaker 2: who's in school, so I don't know how all that works.
Speaker 2: How do you teach it? But I guess virtually we
Speaker 2: just all did that for a year if you have
Speaker 2: school age kids. But yeah, you're fifty and you've got
Speaker 2: she said, a million dollars with about half in liquid assets,
Speaker 2: without knowing what liquid assets. I mean, technically the stock
Speaker 2: market is liquid, so I don't really know what that
Speaker 2: would be in versus the other half. But you know,
Speaker 2: a million dollars is a decent amount of change, and
Speaker 2: if you invest it wisely, I could see that lasting
Speaker 2: you for a while. But because your single mom, that's
Speaker 2: the only thing I would say is, you know, you're yourself,
Speaker 2: you're your income. You know, you don't have a second earner,
Speaker 2: so you're gonna have to probably sit down maybe even
Speaker 2: with a financial planner or just you know, you yourself,
Speaker 2: a spreadsheet, calculator, the internet, whatnot, and figure out, you know,
Speaker 2: how can you invest that? You know what you have
Speaker 2: in the market to make it last so that you're
Speaker 2: you know, or figure out exactly how much do you
Speaker 2: want to take out of your you know, your nest
Speaker 2: ed to to survive on or live on for that
Speaker 2: year while you're traveling. And also you don't want to
Speaker 2: do it. Like for me, I'm like, I'm done kind
Speaker 2: of half ass traveling. I want to travel, like do
Speaker 2: the excursions, you know, do the nice.
Speaker 1: Hotel, get the good food.
Speaker 2: Like I don't want to stay at hostels anymore, no shade,
Speaker 2: but like I just want to enjoy myself. So that
Speaker 2: was one of the things I remember when I when
Speaker 2: I graduated college and I started traveling through South America.
Speaker 2: I was working while I was. I wasn't really traveling.
Speaker 2: I was working in Chili at a at a unpaid internship,
Speaker 2: and finally I just like forced them to pay me.
Speaker 2: I was just like, y'all gotta pay me, and every
Speaker 2: it's it seemed like all the people you know, also
Speaker 2: working at this unpaid internship just had money to be
Speaker 2: going weekend trips and they were all going to the
Speaker 2: see the glaciers in the south of Argentina, and they
Speaker 2: were traveling to the desert and like they were doing
Speaker 2: all these fun things and I never could because I
Speaker 2: went down there with a finite amount of money and
Speaker 2: not much more coming in. I still had an amazing
Speaker 2: time on a budget. But I want to, you know,
Speaker 2: especially for you, this is going to be a magical
Speaker 2: year with your eleven year old. They could remember for
Speaker 2: the rest of their lives. You know, you want to
Speaker 2: do it, right, I feel like so you don't want to,
Speaker 2: and mentally you want to be feeling happy and at
Speaker 2: peace with your decision to travel for a year. So
Speaker 2: I mean, I think it's definitely a worthwhile idea. But
Speaker 2: you know, thinking it through, maybe you can work remotely
Speaker 2: to have an income stream coming in it that makes
Speaker 2: you feel good, to have that security or to keep
Speaker 2: you know, some of your benefits. There's a lot of
Speaker 2: ways that you can do this, So I think it's
Speaker 2: it's something that's definitely worth thinking. You know, if you
Speaker 2: haven't spoken to a financial planner, maybe you could make
Speaker 2: a meeting with someone just as like a fee only
Speaker 2: planning situation and just ask for their advice. And you know,
Speaker 2: how do I make this work? This is what I want,
Speaker 2: here's the money. How do I make it work? And
Speaker 2: they can help guide you there.
Speaker 1: But all now you're already a badass. Yes, it sounds exciting.
Speaker 2: Keep us updated your goals already. All right, Well, thank
Speaker 2: y'all for your questions. Should we do boost and break
Speaker 2: booty boost? I say yes, let's do it. I've got
Speaker 2: some breaks.
Speaker 1: Well okay, it is well, okay, so I do have
Speaker 1: a Well, first of all, it's now it's time to
Speaker 1: boost to break for all the family. We're probably gonna
Speaker 1: boost and we're gonna break. Okay, that's what we're gonna do, Mandy.
Speaker 1: So I I'll end with a good boot because I
Speaker 1: feel like it's always nice standing with a good boost.
Speaker 1: And but I will start with a break and then
Speaker 1: i'll let you go and then because if you don't
Speaker 1: have any boosts, and I'll end with the boost. So
Speaker 1: I don't know. Did you hear about this woman apparel
Speaker 1: company called I'm sure you probably see it. It's called
Speaker 1: nixwere K and i X. It's like the underwear that
Speaker 1: you can like it's like for your yeah, exactly period panties,
Speaker 1: but like you could literally you don't have to wear
Speaker 1: like a pad or like whatever. You could just bleed
Speaker 1: into them. So Anyway, it's been doing really well. Women
Speaker 1: love it. It's all about body positivity. And so since
Speaker 1: twenty thirteen, the CEO, her name is Joanna Griffiths, she's
Speaker 1: been raising money. I think she just recently raised somebody.
Speaker 1: But she's pregnant, like very pregnant, because she's pregnant with twins.
Speaker 1: And I just love this. And she was like any
Speaker 1: any prospective investor who questioned her pregnancy, like, well, I
Speaker 1: don't know how she next them was like, girl, what
Speaker 1: we don't need is your raggedy funds. This woman has
Speaker 1: raised fifty three million dollars for already successful company. I
Speaker 1: just love that she was visibly pregnant. It was like,
Speaker 1: what you don't understand to understand is we're already popping
Speaker 1: over here. You can either join with some sense or
Speaker 1: get left behind. So I just love that she was
Speaker 1: just like, oh, you're worried about my babies? Oh okay,
Speaker 1: yeah next. I just thought that that was just so
Speaker 1: because I'm raising concerns over the fact that you're having
Speaker 1: a baby. I timimes. I wonder like with like, you
Speaker 1: know men in particular, how do you think you got here?
Speaker 1: Like how do you think you were born? Are you
Speaker 1: a turnip, you know, did you like did you were
Speaker 1: you sprout from the ground like a gnome? Like your
Speaker 1: mother gave birth to you, dummy, Like you know what
Speaker 1: I mean. So, like, I just don't understand why men
Speaker 1: have such a problem with women being pregnant when literally,
Speaker 1: if a woman did not get pregnant, you would not
Speaker 1: be here. So I'm just glad that she has kind
Speaker 1: of like the last he he laughed, like, oh you
Speaker 1: got I need your money, No, you need me, So
Speaker 1: go ahead, Joanna Griffiths with your twins. I hope their
Speaker 1: mama knows that. I hope they know that their mama
Speaker 1: is a total badass. And she said no to those
Speaker 1: funky men who are like, I'm concerned about you being pregnant,
Speaker 1: as being pregnant is some sort of disability.
Speaker 2: Well, technically it is.
Speaker 1: I know. It's a shame that that's exactly what told
Speaker 1: me they consider that, which I'm.
Speaker 2: Like, it's shady, it is, but you know what I mean.
Speaker 2: With the fact that a lot of venture capital is
Speaker 2: funded by men and male frontage VC firms, I'm glad
Speaker 2: that she was brave enough to say, you know, I
Speaker 2: don't care how many men I had to turn down
Speaker 2: and how long it has to take to raise the money,
Speaker 2: we will keep waiting. So that was really brave. So
Speaker 2: shout out to her what's her name? I need to
Speaker 2: check out those nixt things because.
Speaker 1: I know child was thinking that bad like that, like
Speaker 1: they have like shorts ones and I'm like, you know what,
Speaker 1: I'm tired of, Like well whatever.
Speaker 2: You know, that's right, we know, yeah, we know. That's
Speaker 2: why they're successful because it's not for them, it's for
Speaker 2: us exactly. All right, Well, I'm going to do a
Speaker 2: break because some foolishness was happening to two back to
Speaker 2: back breaks I must do. I've got to spotlight what
Speaker 2: happened to Pilitzer Prize winning journalist Nicolehonna Jones this past
Speaker 2: well it actually didn't happen this past week. So basically
Speaker 2: Nicole Hanna Jones, she is the one who was behind
Speaker 2: that incredible multi part series in The New York Times
Speaker 2: in twenty nineteen called the sixteen nineteen Project, which was
Speaker 2: a complete retailer of the history of America. We were
Speaker 2: just talking to Kevin about the Tulsa massacre. Nicole Hannah Jones,
Speaker 2: an amazing journalist, went all the way back to sixteen
Speaker 2: nineteen and really retold history by putting slavery first and
Speaker 2: four at the forefront of it and really talking about
Speaker 2: how so much of the history that we celebrate was
Speaker 2: built on the backs of slaves, of course, And so
Speaker 2: her project sixteen nineteen project, it was released a couple
Speaker 2: of years ago when the Pulitzer Prize, so she was
Speaker 2: named the night Chair Fellow at I think it's a
Speaker 2: University of North Carolina. That's her alma mater at their
Speaker 2: journalism school, and a lot of apparently all the professors
Speaker 2: who get this night Chair distinction are tenured, which means
Speaker 2: that when you're tenured, you have an understanding that unless
Speaker 2: you do something completely crazy or I don't know, just
Speaker 2: something that is so like, I don't know, murder someone
Speaker 2: or slap a student in the face like it takes
Speaker 2: a lot to fire a tenured professor, really give you comfort,
Speaker 2: and it gives you confidence, and it gives you a
Speaker 2: sense of stability in your role. So, despite the fact
Speaker 2: that people spent over one hundred and sixty hours according
Speaker 2: to the nineteenth US the nineteenth News report on this
Speaker 2: one hundred and sixty hours plus from faculty, from advisors,
Speaker 2: from other colleges on whether or not Nicolehonta Jones should
Speaker 2: get this should get this distinction and also tenure. Ultimately,
Speaker 2: the state's Board of Trustees denied her tenure. And this
Speaker 2: actually happened like I think sometime in April, but it
Speaker 2: just kind of made news this past week and now
Speaker 2: there's all these petitions to give Nicolehonta Jones a tenure
Speaker 2: that she rightfully deserves and just wanted a spotlight that
Speaker 2: because we have to. I mean, there's no it's not
Speaker 2: like there's ever going to be the smoking gun like, oh, yes,
Speaker 2: she was a nied tenure because these old white guys
Speaker 2: on this Board of trustees, you know, were they were
Speaker 2: pressured or scared of, you know, giving this black woman
Speaker 2: who is helping to rewrite history in terms of you
Speaker 2: know and putting slavery at the forefront of it. They
Speaker 2: were scared of conservative politicians fear over getting this history
Speaker 2: out there. You know, Donald Trump himself has tried to
Speaker 2: discredit Nicole Hana Jones's work. There's literally legislation out there
Speaker 2: trying to prevent schools from teaching the sixteen nineteen project
Speaker 2: in schools. There's like a what do you call it
Speaker 2: a competing course called the seventeen seventy six project, where
Speaker 2: they're trying to get other curriculum in place of this,
Speaker 2: in place of the story of slavery, get it taught
Speaker 2: in schools in conservative states. So like, this is this
Speaker 2: is a real thing that's happening, and Nicole's at the
Speaker 2: center of it, and I just wanted to highlight that
Speaker 2: and also point out that this is yet another example
Speaker 2: of how a seemingly innocuous, you know, piece of protocol. Oh,
Speaker 2: we just need the board of Board of trustees approval,
Speaker 2: their stamp of approval on this, you know process, how
Speaker 2: another piece of formal protocol is being used to silence
Speaker 2: or not silence because she's still going to get the professorship,
Speaker 2: but you know, disempower in some ways black voices. And
Speaker 2: it's just ooh, it's really infuriating. And she's she's amazing.
Speaker 2: But the one thing I will say is hopefully this
Speaker 2: gets her way more press for her book. So let
Speaker 2: me boost her book. Her book is coming out. It's
Speaker 2: based on the sixteen nineteen project, which you did for
Speaker 2: the New York Times, So you can check it out
Speaker 2: at Amazon. We'll put a link in the show notes,
Speaker 2: pre order it to support Nicole and that's that's my boost.
Speaker 2: I mean sorry, that's my break plus a boost, okay,
Speaker 2: and second break really quick because it took place in Atlanta,
Speaker 2: and Atlanta what is going on? So I'm not even
Speaker 2: going to pretend like I knew who this famous Atlanta
Speaker 2: Hawks player was.
Speaker 1: Oh, I saw this because like.
Speaker 2: Basketball, that's a sport with a ball in it, and
Speaker 2: there's like a net I think, But I'm not like
Speaker 2: a I'm not a basketball expert, but I am an
Speaker 2: Atlanta expert. And there was this French bistro in Atlanta
Speaker 2: that had I don't know why restaurants are so dumb
Speaker 2: to do this, but created a dress code and expected
Speaker 2: all the staff at their restaurant to judge people's outfits
Speaker 2: the same way and come away with the same conclusions
Speaker 2: about what's acceptable and what's not acceptable according to their
Speaker 2: arbitrary dress code. And of course, shockingly, the dress codes
Speaker 2: started to be applied more often to black patrons than others.
Speaker 2: So Dominique Wilkins is an iconic Atlanta Hawk's basketball player.
Speaker 2: He's a Hall of Famer. He was turned away from
Speaker 2: the restaurant, and he wrote about it, and he said,
Speaker 2: they looked me up and down, told me there were
Speaker 2: no tables for me, and looked me up and down
Speaker 2: again when he questioned why were there no tables, and
Speaker 2: told him that he was not abiding by their dress code.
Speaker 2: And it turns out he wasn't the only one. If
Speaker 2: you look at the Yelp reviews for this restaurant, I'm
Speaker 2: not going to try to pronounce it. We'll put a
Speaker 2: link to a story in the notes. If you look
Speaker 2: for the Yelp reviews, there were literally reviews from other
Speaker 2: black patrons who had been complaining for weeks months. You know,
Speaker 2: I was turned away because I was wearing flip flops,
Speaker 2: and then I walked by the patio and I saw
Speaker 2: other people wearing torn jeans, you know, cleavage bearing outfits,
Speaker 2: things like that. So there's all these reports in Atlanta now,
Speaker 2: and it's kind of sad because their main chef right
Speaker 2: now is a black man. I don't think about him,
Speaker 2: but I was seeing on his Instagram people are commenting
Speaker 2: and like telling him to leave this place and all
Speaker 2: that stuff. So it's opening up a lot of interesting
Speaker 2: and sad conversations in Atlanta right now. But I just
Speaker 2: don't see how a business like that expects a dress
Speaker 2: code to be enforced fairly, especially when you're leaving it
Speaker 2: up to employees. Everything is so subjective, you know, and
Speaker 2: they're doubling down on this whole dress code thing, and
Speaker 2: it's just a it's a shame. So I'm sorry to
Speaker 2: Dominique for having to go through that really embarrassing situation,
Speaker 2: and to everyone else you know who who without his story,
Speaker 2: without him speaking out, you know, there stories may not
Speaker 2: have been told, may not have been heard. So I
Speaker 2: guess that's a silver lining from him coming forward.
Speaker 1: Yeah, that's why it's important for people to come forward,
Speaker 1: because I saw that. I didn't like that this man
Speaker 1: literally has a statue in Atlanta. He's on the cover
Speaker 1: currently right now of Atlanta magazine. I mean, they really
Speaker 1: could not have done this to a work like they
Speaker 1: couldn't have chol like the level of foolishness. But I'm
Speaker 1: glad that he said something to your point because I
Speaker 1: saw people in his comments who were like, I'm not
Speaker 1: you know, like white folks because you know, they love
Speaker 1: them some sports. I'm not usually a fan of cancel culture,
Speaker 1: but like, man, I respect it like I never you know,
Speaker 1: I like people who are like, well dang, he said,
Speaker 1: maybe there's something here. So that's why it's important for
Speaker 1: you know, folks to say something when when things happen,
Speaker 1: so it is a shame and hopefully you know, people
Speaker 1: don't spend their money there. Like I said last week,
Speaker 1: let them suffer. Remember I said what I said about
Speaker 1: like if you're working at a place and they don't
Speaker 1: know how to treat you well or and I'm like,
Speaker 1: my new thing is yo, let these people, let this
Speaker 1: company drown, Let you suffer. Like what I'm not gonna
Speaker 1: do is you it's your loss. You get to lose
Speaker 1: all this amazingness. You're a fool, you know, like when
Speaker 1: you mistreat folks and you make it a habit or
Speaker 1: pattern to gaslight people, especially black people, especially black women.
Speaker 1: When you make it a habit to mistreat those days
Speaker 1: of like we don't need you, we just don't like
Speaker 1: more and more and more, there are spaces and places
Speaker 1: that are being created as a result of your foolishness
Speaker 1: and your idiocy. Like I just like you know, I'm like,
Speaker 1: let them suffer. I can't tell you how many brands
Speaker 1: and companies or whatever, just this past week that I
Speaker 1: was like, I'm good. Well, yeah, I'm good. I would yeah, yep,
Speaker 1: I see how you treat us. No, I'm good. I
Speaker 1: don't need your money. Well we'll pay you double cis
Speaker 1: I make quadruple. I'm good. And even if I did it,
Speaker 1: I'm still good because even when I didn't make any
Speaker 1: money as the budget he said, that was the one
Speaker 1: thing that I had to hold onto because I was like,
Speaker 1: I don't want to look back and say that I
Speaker 1: made money in a way that was out of integrity
Speaker 1: with how I want to show up. And that's one
Speaker 1: of the reasons, Like, and I always struggle with like,
Speaker 1: oh do I share how well the budget Nieza is doing.
Speaker 1: I'm like, no, I do, because I need you. Who's listening,
Speaker 1: who might be afraid to step out on her own,
Speaker 1: who might be like, oh, I don't know, sis. Literally
Speaker 1: you are the magic. You are the bank tap into
Speaker 1: yourself like you have all the awesomeness right inside you,
Speaker 1: and quite honestly, others are waiting on you. We need
Speaker 1: you to step up, we need you to shine because
Speaker 1: like I need you to also create a safe space
Speaker 1: for those you know, corporate refugees or otherwise who need
Speaker 1: a safe place to work. After our last podcast, Mandy like,
Speaker 1: I can't tell you how many people were like, I
Speaker 1: know you said you're not hiring, but here's my resume anyway.
Speaker 1: And I always take resumes. I take them and I
Speaker 1: keep them because you never know, you never know.
Speaker 2: Oh that reminds me. I got to send you my
Speaker 2: friend Mariese's resume. I don't forget for.
Speaker 1: Real, for real, I always like, because you just never know.
Speaker 1: And I'm always like, I realize now that one of
Speaker 1: my one of my goals and roles in this life it,
Speaker 1: you know, is to grow the company not for personal gain,
Speaker 1: although you know the money is nice, but that way
Speaker 1: I can hire even more people that have been pushed
Speaker 1: out of these traditional spaces and been told that they're
Speaker 1: less than when I'm like, cis what a fool. Look
Speaker 1: what we don't over here today? Man? I signed up
Speaker 1: for you know, I like, we have like this. I
Speaker 1: guess it's called like supplemental insurance and like it's like, oh,
Speaker 1: accident insurance, it's twenty bucks a month, and then there's
Speaker 1: like disability insurance for forty bucks a month or whatever.
Speaker 1: And we gifted everybody on the company one hundred bucks
Speaker 1: a month towards that you can get like six different
Speaker 1: things as a result of that. I just I love
Speaker 1: creating a space where we.
Speaker 2: Thrive, so unicorn culture.
Speaker 1: So Rea literally like, let's make let's normalize that. So
Speaker 1: I say to those other places, let them suffer. Let
Speaker 1: let them push out all the awesomeness so they shrivel
Speaker 1: up and drown and die. Let them suffer. I have
Speaker 1: no problem with that. Let all the magic stay here.
Speaker 1: Let's pour into companies and places and restaurants that you
Speaker 1: know that that love us right back, that do what's
Speaker 1: right by us. Let them drown.
Speaker 2: Shoot, we need to bring back the green Book? Is
Speaker 2: there like a modern version of the Green Book? You know,
Speaker 2: there's got to be some websites out there, but yes,
Speaker 2: the places that serve us and we want to use
Speaker 2: our dollars. I mean that's when you talk about what
Speaker 2: what's the money for? It's also like where do you
Speaker 2: spend your dollars?
Speaker 1: Exactly?
Speaker 2: It matters, it does, so it really does.
Speaker 1: And then so speaking of spending your dollars, this is
Speaker 1: the last week I forgot to say. Did I say
Speaker 1: that I'm doing a partnership with mess in a bottle.
Speaker 1: Have you had a mess in a bottle? Oh?
Speaker 2: Many, I haven't. What is it?
Speaker 1: Oh my gosh. So Kalila Wright is this awesome black
Speaker 1: woman that started start off as a T shirt line
Speaker 1: with like messages, like really positive affirming messages, and she
Speaker 1: has just blown up. I mean she used to I think,
Speaker 1: be like a like an architect, same, pushed out of
Speaker 1: corporate mistreated, was like I'm built for greater things, struggled
Speaker 1: literally for so many years. I remember she I think
Speaker 1: her she used to have like this T shirt vending machine.
Speaker 1: I think it was vandalized and she was on her
Speaker 1: last leg. And then Bozama, who is like an angel,
Speaker 1: the c CMO of Netflix, found out not only wore
Speaker 1: her stuff. She's got this awesome like camo jacket that
Speaker 1: says queen, don't be don't be afraid to lead like
Speaker 1: a king. Gave that cameo jacket to Serena Williams. Serena
Speaker 1: warred and then her brand just took off, like look
Speaker 1: what happens when black women get to color right and
Speaker 1: so so as a result, now I mean, like this
Speaker 1: is years later, now her her business is booming. Like
Speaker 1: just last December, she was part of Oprah's favorite things
Speaker 1: for the Christmas and Target. On this past February, Target
Speaker 1: did a thing for her, like, well not just for her,
Speaker 1: but they showcased during Black History Month awesome amazing black brands,
Speaker 1: and she was one of those brands. She sold out
Speaker 1: in like thirty minutes. And so Khalil is just awesome,
Speaker 1: just just an awesome Black business woman. And so together
Speaker 1: she does these capsule collections. And she reached out to
Speaker 1: me and said I'd love to do and I was like,
Speaker 1: oh my gosh, I love that. It was like a dream.
Speaker 1: And so it's two T shirts, a notebook, a toe bag,
Speaker 1: and a mug. And so one of the t shirts
Speaker 1: says it's about the generational wealth for me. The other
Speaker 1: T shirt says financial homeless is a form of self care.
Speaker 1: The notebook says note to self, money won't manage itself.
Speaker 1: This is my favorite. The tote is my favorite. It says, sis,
Speaker 1: stick to the list, because you know you be out
Speaker 1: there with your toe cute like, oh, let me get
Speaker 1: like nazis. Stick to the list. And then the mug says,
Speaker 1: sip my tea and stack my coins. This is limiting
Speaker 1: the last week. It just basically almost all sold out,
Speaker 1: so I forgot to tell y'all, so I know, but
Speaker 1: I will say go because I know she ordered a
Speaker 1: few more, but I think this is really the last week.
Speaker 1: If you go to mess e m eess messinabottle dot com,
Speaker 1: you'll literally see like mess in a bottle, isn't it
Speaker 1: so cute? Yes? Yeah, So I think it's only like
Speaker 1: going to be like the next week, week and a half.
Speaker 1: But like, we just sold like so many of them,
Speaker 1: and I was like, I forgot to tell, but by
Speaker 1: an addition family, So it's just like literally just to
Speaker 1: pop up and then it's going to be gone by
Speaker 1: like next week and then that's it. I just you know,
Speaker 1: I want to do something positive and I love partnering
Speaker 1: with other awesome, amazing sisters and low key hockey this.
Speaker 1: You guys are the first time telling this too. But
Speaker 1: I told her, I said, let's do extra value. So
Speaker 1: many people want to hear about black women in business
Speaker 1: and how you start, how you started and what I did.
Speaker 1: So what I told her, I was like, when it's
Speaker 1: all said and done, I would love if anybody that
Speaker 1: bought anything from this capsule collection, because I said, do
Speaker 1: you have the emails of everybody that purchased. She said, yes,
Speaker 1: because that's how you get your confirmation email that we're
Speaker 1: gonna send you, Like, I don't know when it's gonna be,
Speaker 1: but we're gonna send you a free link for like
Speaker 1: a conversation between she and I and just talking about
Speaker 1: black women in business and how we started and how
Speaker 1: you can start to just a free class just because
Speaker 1: and I just thought that would be fun. So that's
Speaker 1: another bonus that you buy something from this capsule collection,
Speaker 1: and you know, within a week or so you'll get
Speaker 1: like a more information about just a class, not even
Speaker 1: a class, just like a like a fireside chat between
Speaker 1: Khalila and I talking Black women in business and what
Speaker 1: that looks like. And so that's just like I just
Speaker 1: want to pour into other women who are wanting to
Speaker 1: create something for themselves as well. And so that's just
Speaker 1: our gift to you. So yeah, mess in a bottle
Speaker 1: dot come.
Speaker 2: All right done? Check the show notes. Yeah all right,
Speaker 2: well this was a packed, packety pack, backpacked show. Well,
Speaker 2: thank you all again from that week, Tiffany, I'm gonna
Speaker 2: miss you.
Speaker 1: I know I'm gonna be listening and I'm like they.
Speaker 2: Got big, They got big shoes to fill these upcoming
Speaker 2: co hosts. But you guys, stay tuned. We will be back.
Speaker 2: We will be here in June. Tiffany, enjoy your hammock,
Speaker 2: enjoy the knitting, or don't enjoy the knitting, just to
Speaker 2: have fun. Spend some money and social.
Speaker 1: Just so you know. I mean, you'll see like my
Speaker 1: team post on social. But I'm like, you know there,
Speaker 1: We're not gonna be a play by play. I really
Speaker 1: want to take like a break break for real.
Speaker 2: I want a photo dump when you return.
Speaker 1: Yeah, that's exactly what I'm gonna do. I'm gonna be
Speaker 1: like and then and then and then oh right, y'all.
Speaker 1: I mean you guys already look you know.
Speaker 2: You don't buy. Bye, go relax, Bye tiff Bye