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Speaker 1: Hey, hey, hey, we're back. We're black, We're brown.

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Speaker 2: Hey, Mandra Hey, happy brand ambition Wednesday. Guys.

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Speaker 1: Yeah, super excited. I'm Tiffany and it's Mandy and we're

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Speaker 1: brand Ambition. So how have you been.

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Speaker 2: Things have been good, things have been really good. My

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Speaker 2: dog Walker quit, so there's been some there's been some

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Speaker 2: drums in my life. And I got a temporary person

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Speaker 2: to fill in today and I wasn't really you know,

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Speaker 2: I have like nest cam setup. It's not creepy to

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Speaker 2: have nest cam setup. You have to. I feel like

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Speaker 2: I need to have footage of any interactions just in

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Speaker 2: case they, you know, abuse my baby. Yeah, of course,

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Speaker 2: and especially because I didn't get to injured this person

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Speaker 2: because it was so last minute the change. So this

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Speaker 2: you know, lovely college student young woman visited and I didn't.

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Speaker 2: I didn't think that she loved my dog enough. And

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Speaker 2: I've was like texting my husband like I don't think

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Speaker 2: that she thought it was adorable enough. How Molly decided

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Speaker 2: to bring this long ass stick home with her like

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Speaker 2: she seemed annoyed about it, which I didn't like. But uh, yeah,

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Speaker 2: I'm gonna turn into that kind of dog mom.

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Speaker 1: But Yeah, no, I think that. Yeah, that you want

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Speaker 1: to have somebody who's going to look after you, you know,

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Speaker 1: like someone who genuinely loves dogs or kids or whatever

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Speaker 1: it is, or you're having them look after.

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Speaker 2: Yeah, but shout out too, I've been. I used the

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Speaker 2: next Door It's called the neighborhood app. Like, if you

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Speaker 2: live in a neighborhood, you can join this app called

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Speaker 2: next Door, and then you join your neighborhood and then

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Speaker 2: you can it's kind of like a community message board.

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Speaker 2: You can say, for example, I posted I was looking

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Speaker 2: for a dog walker, just to find someone really close

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Speaker 2: to my neighborhood, and I got a ton of referrals

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Speaker 2: to people that I've got to sort through and it's helpful.

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Speaker 2: And then if you like are looking for a house

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Speaker 2: cleaner or you want to sell something, it's like a

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Speaker 2: micro community thing versus like putting it on Craigslist or

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Speaker 2: Facebook where thorde knows who's going to see your post.

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Speaker 1: Yeah, but I can't wait. So you like Nest, I

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Speaker 1: was thinking about getting one night, I was thinking I

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Speaker 1: ordered it already. I ordered a ring doorbell.

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Speaker 2: Oh yeah, rings, you definitely rings like really popular up

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Speaker 2: there with Nest.

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Speaker 1: I think yeah, so I they they gave them out

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Speaker 1: in my neighborhood. I guess they wanted people to like

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Speaker 1: obviously use and so yeah, I'm like curious. My neighbor

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Speaker 1: she loves it. She's like it like rings her phone

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Speaker 1: so she could see who's there, she could speak directly

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Speaker 1: through it.

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Speaker 2: I'm like, Okay, what's not to love. I love spying on.

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Speaker 2: I just like to. It just gives peace of mind,

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Speaker 2: and it's really clutched when like, it's so much safer because,

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Speaker 2: for example, the dog walker, you don't you know, I

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Speaker 2: have a it's a keypad. I think ring works the

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Speaker 2: same way. You have a unique keypad for your door.

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Speaker 2: Key code for your door. It's like a four digit code,

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Speaker 2: and my husband and I have the main house one.

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Speaker 2: But then when we were doing we have that construction

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Speaker 2: going on, And then with a dog walker, you can

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Speaker 2: give people unique codes and then you can control what

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Speaker 2: time of day the codes work.

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Speaker 1: So smarty, aughty I like that.

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Speaker 2: Yeah. So just it's so much safer than like just

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Speaker 2: having a lock and key. I feel like, yeah, if

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Speaker 2: you're like me and you're always forgetting or losing your keys,

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Speaker 2: then you don't have to worry, like how many times

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Speaker 2: as a kid, was I crawling through windows because.

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Speaker 1: You know, Jarrell still colobs too, because he's so skinny.

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Speaker 2: I'm like, you turn, So that sounds like a finishing touch.

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Speaker 2: Does that mean the house is getting there?

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Speaker 1: Yes, we just got the floors refinished, and so we're

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Speaker 1: just like, you know, they have to do the last

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Speaker 1: coat of paint. They did the floors first because redoing

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Speaker 1: a like redoing the floors can get a little messy,

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Speaker 1: you know, so they like to get one coat of paint.

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Speaker 1: And so after this, it's really just like doorknobs and

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Speaker 1: like hooks and you know, and knobs on the kitchen

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Speaker 1: kitchen cabinet. So I think by next week we should

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Speaker 1: be in excited. I know, like I'm like holding my

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Speaker 1: excitement for when we're really like cause there are like

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Speaker 1: some definitely some touch and go stuff like I had

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Speaker 1: to I had to, like I could not find mirrors

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Speaker 1: and the doorknob situation. Who knew, Because when you have

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Speaker 1: an older house you have these things sometimes called mortis locks,

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Speaker 1: which are like normally if you were to open your door,

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Speaker 1: like on the side, you see like the little the

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Speaker 1: I guess, the part that actually closes the door like

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Speaker 1: the little button net pokes out on the on the

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Speaker 1: spine of the door, so a mortis lock. The old

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Speaker 1: school ones are long and big and so like. Some

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Speaker 1: of our doors are regular. I guess at some point

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Speaker 1: somebody replaced doors and some of them are those mortislocks.

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Speaker 1: Those mortorslocks are so hard to find. They either sell

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Speaker 1: them for like seven bucks and they break, like you know,

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Speaker 1: you read the reviews, or they're like three hundred and

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Speaker 1: you're like, wait for one doornop, you.

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Speaker 2: Know doortombs in general, I was shocked. I was shocked

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Speaker 2: at how much that our designer lady wanted us to

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Speaker 2: spend one hundred and thirty five dollars each. It's really

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Speaker 2: pretty doorknobs, and I was like negative.

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Speaker 1: Though, yes, I was like yo. It took like months

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Speaker 1: of looking and then finally I found these mortislock ones

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Speaker 1: with good reviews that were solid, all this stuff for

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Speaker 1: thirty five dollars a doorn up. I was like, who,

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Speaker 1: thank you Jesus, because literally I was like, it's either

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Speaker 1: I get these super cheap ones that are clearly going

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Speaker 1: to break because they're like eight bucks, or like one

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Speaker 1: hundred and something dollar ones, And I'm like I refuse spend,

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Speaker 1: like because we have a lot of doors, so I

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Speaker 1: think we had like twenty one doors. Can you imagine?

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Speaker 2: Yeah I can, Yeah exactly. I remember.

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Speaker 1: I'm just glad that we're rounding the corner and like,

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Speaker 1: you know, like it's just I can't believe when I

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Speaker 1: walk in, you know, I'm still like nervous about we

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Speaker 1: made a design choice that wasn't that cute. Like we

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Speaker 1: have something called a plate rail, so you now you

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Speaker 1: have the chair rails in the in like in a

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Speaker 1: living room or dining room where it's like Wayne's Wain's coating,

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Speaker 1: I guess they call it. But up to like a

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Speaker 1: certain certain heights or a plate rail is like as

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Speaker 1: high as a person because I guess back in the

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Speaker 1: day Victorian women or whatever you used to like display

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Speaker 1: their plates has a little lit and then the rest

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Speaker 1: is like wood. And so my designer was like, oh,

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Speaker 1: let's try, like, you know, painting the trim on this

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Speaker 1: a darker color. And we both were like, yeah, that's bad.

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Speaker 1: So it looked more zebrash then. So that was the

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Speaker 1: one thing I took a picture like no one said anything,

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Speaker 1: and then one day Superman came in and I was

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Speaker 1: just like cause I was like sitting with it for

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Speaker 1: a little She's like, just sit with them and see

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Speaker 1: how you feel. So he came in. I was like,

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Speaker 1: what do you think you say I think it's ugly.

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Speaker 1: He had been waiting to get it down. I was like,

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Speaker 1: I think so too. I wasn't. She's like no no,

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Speaker 1: He's like no no. And then I told my contractor.

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Speaker 1: I was like, don't put a second coat on of this.

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Speaker 1: I just wanted to paint it back to the trim

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Speaker 1: trim white. And he's like, ooh, I was gonna say,

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Speaker 1: you know, MI, like it's your house, lady. I didn't,

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Speaker 1: you know, I don't wanna. I don't wanna to say anything,

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Speaker 1: but woo, this thing is hideous. And I was like, okay, okay,

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Speaker 1: everybody so stuff like that. But honestly, other than that,

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Speaker 1: everything like our designer has been awesome from remain home Rihanna,

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Speaker 1: and yeah, it just looks it looks beautiful. The house.

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Speaker 1: You know, that was the kind of like missed up

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Speaker 1: and even I'm glad we tried it because it's not

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Speaker 1: a huge thing to paint it over, but better to

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Speaker 1: paint it now than later.

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Speaker 2: I was. I just heard this in passing that I

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Speaker 2: listened to Gail in the morning, which is what I

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Speaker 2: call CBS News because I don't know who other people are,

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Speaker 2: so it's just like a rotating you know, white guys.

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Speaker 2: At this point, I don't even know Nora o'donna left,

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Speaker 2: and now it's just like a white dude and an

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Speaker 2: older white dude. But anyway, Gail was on this morning

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Speaker 2: talking about I feel like an old lady. I was

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Speaker 2: watching the Gael and she was talking about something about

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Speaker 2: seventy percent of people can't afford houses or people can't

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Speaker 2: afford houses and seventy percent of the country basically like

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Speaker 2: at today's prices, which was just like one of the

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Speaker 2: sadder stats I've ever heard. And I feel like it's

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Speaker 2: it's like all these great stats about homeowner and not

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Speaker 2: home ownership, but like employment being up and you know,

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Speaker 2: unemployment being down so low and everyone's working, working, working.

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Speaker 2: It's just like ten years after the recession and you

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Speaker 2: still feel like there's so much more we have to

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Speaker 2: do in terms of like income equality and giving people

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Speaker 2: access to affordable housing, and we have so far to go.

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Speaker 2: So it's just a blessing. I feel like to to

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Speaker 2: own and to have reached out Milestone. Yeah, so hard

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Speaker 2: to people who are saving up for your house and

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Speaker 2: your first home. Like, I understand the struggle, and you know,

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Speaker 2: it's just becoming increasingly rare to have that property.

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Speaker 1: Yeah, and it's so crazy today. Like right before we started,

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Speaker 1: you know, taping today, someone called me. It was like

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Speaker 1: when I speak to Siphany Earle, I was like, that's

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Speaker 1: just she this is a bad time. I'm like, sorry,

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Speaker 1: who are you? You know, You're just like just get

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Speaker 1: to it serious. He was like, he was like, I'm

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Speaker 1: I was just I was riding around the neighborhood and

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Speaker 1: I saw your house and I was like, oh boy,

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Speaker 1: here we go. I said, this is the people when

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Speaker 1: people in Brooklyn feel like he basically wanted to purchase

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Speaker 1: the house, and I should have asked him at what

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Speaker 1: price I should have. I didn't even think of it,

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Speaker 1: just to see, just to be I'm curious, just to know,

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Speaker 1: you know. He was like, you know, what do you

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Speaker 1: you know, what are your plans with that? I said,

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Speaker 1: my plans are to live in the house that I bought.

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Speaker 1: He was like, I know, he was like, okay, thanks,

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Speaker 1: but yeah, I'm honestly, I was I should have. I

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Speaker 1: didn't even think about it because what if he said

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Speaker 1: I'll give you I mean or four hundred thousand hours

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Speaker 1: for it or something like that. But but yeah, so

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Speaker 1: this is this happens especially with our other house and

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Speaker 1: the Weekway section of Newark that's an also really nice

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Speaker 1: section of Newark because that house was like dilapidated, and

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Speaker 1: so I guess people like really think like, oh, I'll

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Speaker 1: pay you like five g's for it to take it

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Speaker 1: off your hands. But we just haven't gotten around to

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Speaker 1: starting working on it yet since we're doing our house.

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Speaker 1: But I just thought to myself, like, wow, they are

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Speaker 1: really starting to like converge onto Newark, you know.

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Speaker 2: I mean, it's bound to happen. Yeah, new York is popping.

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Speaker 1: You know.

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Speaker 2: We didn't get a chance to talk about that big

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Speaker 2: news because we were out. We had a rerun a

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Speaker 2: rerun last week because I was sick. Sorry about that.

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Speaker 2: But the big news, which was that Robert Smith paying

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Speaker 2: agreeing that that billionaire philanthropist guy agreeing to payoff more

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Speaker 2: House graduates of twenty nineteen all their student loan dead.

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Speaker 2: I know, everybody was so jealous, Like I saw a

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Speaker 2: meme going around to people crossing out their college on

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Speaker 2: their diploma and writing more House instead.

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Speaker 1: Yeah, I know that. I posted one about I forget

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Speaker 1: the woman from the young woman from Moesha. I can't

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Speaker 1: remember her best friend, I forget her real name. And

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Speaker 1: she says like she has a little face that she

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Speaker 1: always makes she used to make on Moesha. It says,

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Speaker 1: I go to Morehouse a little bit. She always said

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Speaker 1: a little bit when she was on Mosha. And I

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Speaker 1: thought that was hilarious. But honestly, what a life changing

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Speaker 1: movement move Someone had posted under that meme that her

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Speaker 1: brother was there and he was one of the graduates.

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Speaker 1: And already, as a result of that generous gift, the

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Speaker 1: twenty nineteen graduates have started a grant and started contributing

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Speaker 1: to it so they can do the same for the

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Speaker 1: next year's class.

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Speaker 2: That's beautiful. That's what happened after Oprah donated like a

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Speaker 2: crap ton of money in the more House. Then, like

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Speaker 2: remember that episode of Oprah where why do I remember this?

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Speaker 2: I don't know. I watched a lot of Oprah, But

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Speaker 2: she gave this big graham to more House, and then

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Speaker 2: a bunch of the recipients of that grant, like ten

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Speaker 2: years later or twenty years later or whatever it was,

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Speaker 2: we're all really successful. And they got together and pulled

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Speaker 2: their funds for like a scholarship fund and then paid

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Speaker 2: it forward, which is so beautiful. So it's nice to

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Speaker 2: hear that I'm doing that again.

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Speaker 1: Yeah, it is. Honestly, it's just because someone tried to

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Speaker 1: come for you know. Auntie Oh was like, Oprah, that's

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Speaker 1: what you need to do. She's like, actually, did it

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Speaker 1: paid for four hundred? What?

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Speaker 2: Idiot?

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Speaker 1: I just don't understand, Like, well, if you gotta come

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Speaker 1: for someone, at least you do your googles, right, do

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Speaker 1: your googles. Everyone was like, if you don't sit down, like,

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Speaker 1: first of all, one, you don't get to tell people

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Speaker 1: how to spend their money. You just don't. Even if

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Speaker 1: Oprah never spent an like a penny on anyone else,

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Speaker 1: you still don't have any rights to her money. It's hers.

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Speaker 1: That's one. And then two, she's done that and even more.

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Speaker 1: And so you know, I mean, Oprah is both public

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Speaker 1: and private with her giving. So I just thought like, wow,

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Speaker 1: like I don't know, and you might ask yourself like

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Speaker 1: that same woman, have you given anything to your community?

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Speaker 1: Five dollars ten dollars ten minutes. Sometimes we're so worried

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Speaker 1: about other people doing you have to ask yourself, in

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Speaker 1: your own capacity, have you done anything?

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Speaker 2: Yeah, I've been thinking about that more and more. I

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Speaker 2: just had my ten year college graduation adversary this month,

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Speaker 2: and I had gone home because I'm on the alumni

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Speaker 2: board to Athens to Uga, and they have this. When

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Speaker 2: I was in school, like ten years ago. Long story short,

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Speaker 2: I got approved, I got accepted into this prestigious like

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Speaker 2: magazine internship in New York City, but I couldn't afford

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Speaker 2: the airfare to get here. And I was like just

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Speaker 2: I was like working part time, you know, paying my

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Speaker 2: way through college, and I had just enough for rent

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Speaker 2: each month. But then I had an anonymous donor. I'm

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Speaker 2: pretty sure I knew who it was, one of my

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Speaker 2: professors who put up the money for me to pay

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Speaker 2: for my airfare and then my housing because housing is

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Speaker 2: expensive in New York. And I always remembered that, and

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Speaker 2: I was always like, one day I'll get a chance

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Speaker 2: to pay it forward, and like, you don't need to

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Speaker 2: be a billionaire. I'm just trying to say. So. I

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Speaker 2: reached out to my my the journalism school, and ask

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Speaker 2: them if I could sponsor one of their journalism students

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Speaker 2: coming to the campus this summer. They do like a

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Speaker 2: summer camp with high school students to encourage them to

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Speaker 2: go into journalism. And it wasn't like a major gift,

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Speaker 2: but I went in on it with my friend and

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Speaker 2: I and we sponsored a student to go to this

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Speaker 2: for free, to this this journalism program this summer. And

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Speaker 2: I felt like that was a nice way, ten years

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Speaker 2: later to give something back. And it wasn't like a

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Speaker 2: formal because I know you get those I don't know

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Speaker 2: if your college reaches out to you, like the fundraising team,

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Speaker 2: you know, asking you to donate twenty you know, called

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Speaker 2: you on the phone. Those things are always you know,

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Speaker 2: maybe you're inclined to donate, but I it always feels

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Speaker 2: kind of awkward. But this for me, like being able

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Speaker 2: to control where the money went and knowing that it

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Speaker 2: went to a student of color for this program and

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Speaker 2: I got them to assure me that it would that

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Speaker 2: felt really meaningful.

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Speaker 1: Oh that's good, that's really good.

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Speaker 2: Hey, pat on my back and shout out to my

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Speaker 2: friend Baron for going in on it with me.

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Speaker 1: I mean, that's really I think to me, people don't

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Speaker 1: there are not many Oprahs. Let's be real and that

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Speaker 1: like if what really what makes the biggest difference is yes,

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Speaker 1: Oprah obviously making this huge donation to four hundred college gards,

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Speaker 1: and then Robert F. Smith making this huge donation that

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Speaker 1: those are awesome, But there are you know, thousands of

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Speaker 1: people in that audience who were watching it. You know,

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Speaker 1: if everyone just did something like I said, it doesn't

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Speaker 1: have to be money. Maybe it's just like, you know,

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Speaker 1: making sure that the kids on your block get home safely,

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Speaker 1: or you know what I mean. Like it could be

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Speaker 1: like Jirell used to do this thing. I keep saying

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Speaker 1: his name, but whatever, Superman used to do this thing

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Speaker 1: on Fridays that we would get the kids pizza because

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Speaker 1: you know what kid doesn't love pizza. We just get

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Speaker 1: like three big you know, and there's like a pizza

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Speaker 1: place around around the corner that does like six dollars,

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Speaker 1: you know, large pies, and then we would cut them

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Speaker 1: into like sixteens because most of the kids are pretty little,

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Speaker 1: and even if they got just a little slice, it

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Speaker 1: was just something to be like, you know, we're all outside,

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Speaker 1: we're having fun. It's a summer night. We have some pizza,

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Speaker 1: we have some juice boxes. So it doesn't have to

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Speaker 1: be these big overtures. But small things really can equally

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Speaker 1: make life changing things happen in people's lives. And you know,

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Speaker 1: if we all just have to look to ourselves and say, well,

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Speaker 1: what can I do?

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Speaker 2: Yeah, and then who in your life came out and

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Speaker 2: supported you in a time of need? And then how

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Speaker 2: can you pay that forward? Yeah, shout out to the Professor

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Speaker 2: Fink rec And I'm pretty sure he's the one who

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Speaker 2: gave me that gift.

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Speaker 1: Oh that's so sweet.

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Speaker 2: What's a nice way to kick off the show? Break?

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Speaker 1: Yes, boost a breaker, Boost a break. I've been waiting

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Speaker 1: to share this boost, but I would let you go

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Speaker 1: first if you need to.

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Speaker 2: No, please, Mademoiselle, go first.

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Speaker 1: So I don't remember. I think it was the last

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Speaker 1: show or the show bef last. I think where I said,

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Speaker 1: oh I gained all this love weight. I would say

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Speaker 1: approximately like twenty pounds, give or take a pound or two.

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Speaker 1: And I'm like, in the last two years because Supermann

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Speaker 1: and I are going to be celebrating our two year

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Speaker 1: anniversary in a month, woo, thank ya. And yeah, So

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Speaker 1: I was just like, I mean, part of it is

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Speaker 1: because the IVF process and like all the hormones. But

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Speaker 1: then also to part of it is just greed because

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Speaker 1: food delicious. You know, it's a thing. And so you're right.

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Speaker 1: I had reached like my peak of all peaks. I

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Speaker 1: was like, whoa, I had never seen a number like

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Speaker 1: this before on the scale. And then it must have

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Speaker 1: been like ten o'clock at night, and I was like,

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Speaker 1: you know, doing my daily ritual before I go to sleep,

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Speaker 1: checking up on Facebook just in case I miss any action,

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Speaker 1: you know, I was scirling through. And then a friend

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Speaker 1: of mine had posted, like, woo who I just reached

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Speaker 1: my fifteen pound goal, losing a goal of losing fifteen pounds.

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Speaker 1: I did it in eight weeks. And she looked awesome.

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Speaker 1: I mean she looked awesome else either way, but you know,

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Speaker 1: she looked awesome and she just seems so happy. And

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Speaker 1: I remember her telling me before she was struggling, and

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Speaker 1: she was like, you know, I did weight watchers, and

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Speaker 1: I was like, weight watchers the stuff that your mom does,

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Speaker 1: you know, And I was like, okay, whatever, and then

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Speaker 1: like not even two minutes later, another friend of mine

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Speaker 1: who actually lives here in Newark, I'll call her Tea.

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Speaker 1: She posted it before and after and I think it

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Speaker 1: was like forty pounds. I had not seen her in

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Speaker 1: a little while and so and she was like, you know,

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Speaker 1: I love weight watchers. You know this really helped me

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Speaker 1: to get my life back on track. And I was like, God,

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Speaker 1: you trying to tell me something. And I told myself, Oh,

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Speaker 1: I'll sign up tomorrow, like you know, or maybe i'll

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Speaker 1: look into it tomorrow. And I was like, Tivity, what

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Speaker 1: are you doing tonight. You're saying that you're tired of

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Speaker 1: like this love weight. I had gone vegan again, and

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Speaker 1: you know, like I said, I love the animals, but

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Speaker 1: really I'm vegan for the cuteness. I had gone there.

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Speaker 1: I had gone vegan again and I'd lost like an

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Speaker 1: initial five pounds, but then I started creeping back up

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Speaker 1: and I couldn't understand why. And that's what was frustrating.

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Speaker 1: It was like I felt like I was eating like healthy,

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Speaker 1: and yet I was like, you know, of the five

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Speaker 1: I had gained back too, and I'm like, well, I

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Speaker 1: don't understand. I'm not even like you know, I'm not

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Speaker 1: eating pizza. I'm not eating cookies and the cakes and

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Speaker 1: ice cream I was eating before, so why am I

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Speaker 1: putting the weight back on, even if it's slowly? And

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Speaker 1: so I joined. And so if knowing what I would

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Speaker 1: have known now, I wouldn't have joined with the coach.

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Speaker 1: I joined with the coach because I thought I needed

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Speaker 1: to help navigating the app. So if you join without

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Speaker 1: a coach, I think the cheapest is like three dollars

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Speaker 1: and fifteen cents like a week, which is pretty reasonable.

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Speaker 1: And that's like what twelve dollars a month, something to

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Speaker 1: that effect. But I joined with the coach, so I

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Speaker 1: think it was like I did for two months. I

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Speaker 1: think it was like eight dollars a week or something.

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Speaker 1: But now, like I said, knowing what I know now,

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Speaker 1: I didn't need to cooke. I just wanted the app,

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Speaker 1: and the app is really good. So it's been about

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Speaker 1: two and a half weeks, almost three weeks, I've lost

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Speaker 1: eight pounds. Right, I'm like, oh my god, I'm back

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Speaker 1: in like the like I had like gotten to, like

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Speaker 1: the one nineties. And I'm like, Tiffany, what, like, you're

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Speaker 1: even my loose clothes would fit me like club clothes,

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Speaker 1: you know, you go to the club. You're like, I

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Speaker 1: need some tights I'm like, ah, my big jeans are

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Speaker 1: fitting me like skiddy jeans.

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Speaker 2: Wait, so is that with just a diet change or

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Speaker 2: did you like do working out and stuff?

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Speaker 1: So I'm not even working out, this is just a

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Speaker 1: diet change, and I was really shocked, and I said,

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Speaker 1: I'm gonna, I'm gonna, I am gonna add working out

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Speaker 1: to it. But for me, I'm someone who needs to

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Speaker 1: get very comfortable with one new change and then incorporate another.

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Speaker 1: So so I was like, no, this is just diet.

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Speaker 1: And what I liked about it is that. So I

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Speaker 1: did have one coaching call and I was kind of like, yeah, nah,

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Speaker 1: I don't really need it. So what I like about

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Speaker 1: it is that it's really I watched like a YouTube

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Speaker 1: video about how to navigate the app, and that it

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Speaker 1: taught me what I needed to know is that you

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Speaker 1: are first of all, you know, you say your weight,

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Speaker 1: your sex, your gender anyway, weight, gender, height, all that

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Speaker 1: kind of stuff, and then you say your goal. So

429
00:20:11,320 --> 00:20:12,720
Speaker 1: I was like, to lose weight. And then it asked

430
00:20:12,720 --> 00:20:15,520
Speaker 1: you your activity level. How often are you working out

431
00:20:15,680 --> 00:20:20,440
Speaker 1: like working out meaning ten minutes of continuous activity daily

432
00:20:20,480 --> 00:20:23,199
Speaker 1: and I was like zero. So based upon that, they

433
00:20:23,240 --> 00:20:25,520
Speaker 1: were like, okay, we're going to allot you. They allotted

434
00:20:25,560 --> 00:20:28,919
Speaker 1: me twenty three points. And so the way the points

435
00:20:28,920 --> 00:20:31,760
Speaker 1: work is that I guess food, not even I guess,

436
00:20:31,800 --> 00:20:36,240
Speaker 1: but food is matched up to a point system. So

437
00:20:36,640 --> 00:20:40,920
Speaker 1: fruits and vegetables are zero points, something like baked salmon,

438
00:20:41,040 --> 00:20:44,400
Speaker 1: baked chicken breasts and zero points. So things that typically

439
00:20:44,480 --> 00:20:47,760
Speaker 1: don't add to your weight gain, not to say those

440
00:20:47,800 --> 00:20:50,359
Speaker 1: things don't have any calories, but those are zero points.

441
00:20:50,440 --> 00:20:52,159
Speaker 1: I think boiled egg is zero points. So there's a

442
00:20:52,160 --> 00:20:55,240
Speaker 1: lot of there's about two hundred zero point things, mostly

443
00:20:55,240 --> 00:20:59,199
Speaker 1: fruits and vegetables and then everything else. It's like a

444
00:20:59,200 --> 00:21:02,280
Speaker 1: lotted points like for example, you know, I went vegan,

445
00:21:02,320 --> 00:21:05,280
Speaker 1: but I love these burgers from Beyond Meat. They have these,

446
00:21:05,280 --> 00:21:07,080
Speaker 1: like you know, vegan, Like, I guess they're supposed to

447
00:21:07,119 --> 00:21:08,240
Speaker 1: be supposed to be like hamburgers.

448
00:21:08,240 --> 00:21:10,359
Speaker 2: Oh yeah, I had one of those by accident one time.

449
00:21:10,760 --> 00:21:13,960
Speaker 1: Oh yeah, what, let me tell you something. Those things

450
00:21:14,200 --> 00:21:18,080
Speaker 1: are like thirteen points, Mandy, thirteen points. I was like,

451
00:21:18,200 --> 00:21:21,480
Speaker 1: wait what. Meanwhile, if I talk like you can literally

452
00:21:21,520 --> 00:21:23,200
Speaker 1: go in the app and I'm gonna type in whopper

453
00:21:23,760 --> 00:21:27,680
Speaker 1: a whopper burger. Let me see, like, what is the

454
00:21:28,160 --> 00:21:31,720
Speaker 1: oh wow, look, a burger King whopper junior sandwich is

455
00:21:31,800 --> 00:21:34,880
Speaker 1: ten points. So I'm eating this vegan beyond meat burger.

456
00:21:35,160 --> 00:21:38,840
Speaker 1: That's more points than a whopper Wopper Junior. And so

457
00:21:39,080 --> 00:21:41,200
Speaker 1: it helped me. What I like about it is not

458
00:21:41,480 --> 00:21:44,879
Speaker 1: I don't feel restricted. It helped me to eat more informed,

459
00:21:45,000 --> 00:21:48,520
Speaker 1: you know what I mean. Like it's not like, hey, Tiffany,

460
00:21:48,560 --> 00:21:51,600
Speaker 1: you can't have this cookie. It's like, hey, if I

461
00:21:51,640 --> 00:21:54,320
Speaker 1: am gonna have a cookie, which is probably the better cookie,

462
00:21:54,480 --> 00:21:56,280
Speaker 1: is it gonna be the oatmeal raisin? Is it gonna

463
00:21:56,320 --> 00:22:00,800
Speaker 1: be the chocolate chip? Which actually is really contribute to

464
00:22:00,960 --> 00:22:04,280
Speaker 1: wait for me? You know? And so there were something

465
00:22:04,320 --> 00:22:06,320
Speaker 1: that really surprised me, like the beyond meat burgers. I

466
00:22:06,400 --> 00:22:08,919
Speaker 1: was housing those things, Mandy. I was like, ooh, they

467
00:22:09,000 --> 00:22:13,440
Speaker 1: began I'm doing good. Yes, hope food tells them so delicious. Meanwhile,

468
00:22:13,720 --> 00:22:16,159
Speaker 1: something else that shocked the heck out of me Larer bars.

469
00:22:16,520 --> 00:22:18,840
Speaker 1: Do you know a lot one Larer bar is nine points?

470
00:22:18,880 --> 00:22:19,720
Speaker 1: That's a whapper junior.

471
00:22:20,440 --> 00:22:22,320
Speaker 2: Is it all the sugar and carbs because you're not

472
00:22:22,359 --> 00:22:26,320
Speaker 2: getting like the protein? Yeah, the free because it's called freestyle,

473
00:22:26,400 --> 00:22:29,639
Speaker 2: right the zero I tried weight Watchers last year. I

474
00:22:29,720 --> 00:22:32,480
Speaker 2: like the freestyle thing because it's it makes it, but

475
00:22:32,520 --> 00:22:35,680
Speaker 2: it's usually it's basically like celebrating and you get zero

476
00:22:35,720 --> 00:22:39,359
Speaker 2: points for like low carb things, and like so many

477
00:22:39,359 --> 00:22:42,040
Speaker 2: of those vegan options I have found, like vegetarian where

478
00:22:42,040 --> 00:22:45,680
Speaker 2: they try and replace something with something else. It's like carbs, Yeah,

479
00:22:45,680 --> 00:22:46,880
Speaker 2: it's carbs, carbs.

480
00:22:47,680 --> 00:22:51,880
Speaker 1: And so I yeah, I think that I just really

481
00:22:52,040 --> 00:22:54,040
Speaker 1: was just well, so I think I think it is

482
00:22:54,080 --> 00:22:57,320
Speaker 1: I think it's fiber. And so for example, if something

483
00:22:57,760 --> 00:23:00,639
Speaker 1: has like a lot of sugar but there's fiber in

484
00:23:00,680 --> 00:23:03,800
Speaker 1: the protein, I think it like offsets the sugar, you know.

485
00:23:04,600 --> 00:23:06,240
Speaker 1: So it's just what I like about it. Like I said,

486
00:23:06,280 --> 00:23:10,639
Speaker 1: I don't feel I don't feel like I'm missing out. Definitely,

487
00:23:10,680 --> 00:23:13,280
Speaker 1: there's things where I'm like, oh, I do kind of

488
00:23:13,280 --> 00:23:16,400
Speaker 1: miss like my subway cookie. But the other day it's

489
00:23:16,480 --> 00:23:18,399
Speaker 1: very easy for me to have a zero point breakfast

490
00:23:18,440 --> 00:23:21,920
Speaker 1: because I all have like fruit, maybe like I don't

491
00:23:21,920 --> 00:23:27,119
Speaker 1: want to eat eggs anymore, but like, yeah, typically I

492
00:23:27,200 --> 00:23:29,800
Speaker 1: have fruit, or I have this like this almond milk

493
00:23:29,840 --> 00:23:31,520
Speaker 1: smoothie that has a lot of protein in it, or

494
00:23:31,560 --> 00:23:36,679
Speaker 1: soy milk smoothie like like milk spinach, some fruit, and

495
00:23:36,680 --> 00:23:38,760
Speaker 1: a little squeeze of honey and that's like four points.

496
00:23:38,960 --> 00:23:41,320
Speaker 1: But I can have it very typically by the time

497
00:23:41,400 --> 00:23:43,640
Speaker 1: lunch rolls around, I have the majority of my points.

498
00:23:43,800 --> 00:23:45,600
Speaker 1: So if I decide to have a light lunch, like

499
00:23:46,040 --> 00:23:48,000
Speaker 1: I love sauteed spinach, and you can put a bunch

500
00:23:48,040 --> 00:23:52,680
Speaker 1: of stuff with it. And I found this alternative two

501
00:23:52,800 --> 00:23:55,159
Speaker 1: noodles that maybe with like tofood that tastes just like

502
00:23:55,160 --> 00:23:58,240
Speaker 1: spaghetti noodles, tastes like regular Pasa noodles, so I use that.

503
00:23:58,840 --> 00:24:01,280
Speaker 1: And then I found this crump from Whole Foods that

504
00:24:01,359 --> 00:24:05,560
Speaker 1: instead of the the beyond meat crumble, which is like

505
00:24:05,600 --> 00:24:08,000
Speaker 1: you know, ten points or whatever, this crumble is one

506
00:24:08,040 --> 00:24:11,359
Speaker 1: point per serving and so it actually tastes better and

507
00:24:11,480 --> 00:24:14,520
Speaker 1: more like ground turkey than like the Whole Foods version.

508
00:24:14,800 --> 00:24:17,119
Speaker 1: So it was just like like just now I had

509
00:24:17,800 --> 00:24:20,320
Speaker 1: for lunch today, I had a quote unquote hamburger. It

510
00:24:20,359 --> 00:24:23,080
Speaker 1: was this Boca burger that I found at Whole Foods

511
00:24:23,080 --> 00:24:24,560
Speaker 1: and they have a scanner on the app so you

512
00:24:24,600 --> 00:24:26,720
Speaker 1: can like scan it beep, so right there and Whole Foods.

513
00:24:26,720 --> 00:24:28,639
Speaker 1: I was like, oh, one burger is one point great.

514
00:24:29,040 --> 00:24:30,640
Speaker 1: And then I had a bun. I think my bun.

515
00:24:30,720 --> 00:24:32,600
Speaker 1: I had one of those flatbread buns and it was

516
00:24:32,640 --> 00:24:34,240
Speaker 1: three points. I was like, woo, so this is a

517
00:24:34,320 --> 00:24:36,320
Speaker 1: three point and you can have as many veggies as

518
00:24:36,359 --> 00:24:38,320
Speaker 1: you want. So I loaded it up with tomatoes onion,

519
00:24:38,840 --> 00:24:40,640
Speaker 1: like you know, and then I think ketchup is one point.

520
00:24:40,720 --> 00:24:44,520
Speaker 1: So it was like a five point launch, but super filling.

521
00:24:45,119 --> 00:24:46,520
Speaker 1: And so what I like, Like I said, what I

522
00:24:46,600 --> 00:24:50,720
Speaker 1: like about it is that I feel in control and within.

523
00:24:51,880 --> 00:24:56,600
Speaker 1: I understand now, okay, that this is what's contributing, and

524
00:24:56,720 --> 00:25:01,520
Speaker 1: this is what is deceptively quote unquote healthy. Also too,

525
00:25:02,000 --> 00:25:03,840
Speaker 1: I have to be mindful. And this is anybody who's

526
00:25:03,840 --> 00:25:06,080
Speaker 1: ever interested in joining, is that I love fruit. I

527
00:25:06,080 --> 00:25:09,000
Speaker 1: have like a sugar tooth. And so at first, the

528
00:25:09,040 --> 00:25:12,760
Speaker 1: first couple of days, I was oding on mangos and

529
00:25:12,800 --> 00:25:15,719
Speaker 1: pineapples as like my in between snacks, you know, And

530
00:25:15,840 --> 00:25:18,080
Speaker 1: I saw myself creeping back up in the weight that

531
00:25:18,119 --> 00:25:21,280
Speaker 1: had lost. And after doing some research, I realized that

532
00:25:21,359 --> 00:25:24,480
Speaker 1: mangos in particular have the highest content of like any fruit.

533
00:25:25,000 --> 00:25:27,760
Speaker 1: So basically I'm eating skittles, but healthier skittles, but skittles.

534
00:25:27,760 --> 00:25:29,840
Speaker 1: One the lesson I realized that not that you can't

535
00:25:29,880 --> 00:25:31,639
Speaker 1: have fruit if you're trying to lose weight, but you

536
00:25:31,760 --> 00:25:34,359
Speaker 1: just have to be mindful of how much fruit you

537
00:25:34,400 --> 00:25:36,520
Speaker 1: have if you're trying to lose weight. So it was,

538
00:25:36,600 --> 00:25:39,399
Speaker 1: just like I said, eye opening. And I've lost about

539
00:25:39,440 --> 00:25:41,880
Speaker 1: eight pounds, and for the first time in a long time,

540
00:25:41,960 --> 00:25:44,359
Speaker 1: I see a seven on the scale, one seventy something,

541
00:25:44,440 --> 00:25:46,960
Speaker 1: I'm like, WHOA. So I really think by next by

542
00:25:46,960 --> 00:25:49,680
Speaker 1: the end of next month, I'll be at my I'll

543
00:25:49,720 --> 00:25:52,040
Speaker 1: be at my goal weight, which is really just the

544
00:25:52,040 --> 00:25:54,199
Speaker 1: way I've always been, which is like I like, you know,

545
00:25:54,240 --> 00:25:56,560
Speaker 1: I'm never I don't diver since high school. Me I

546
00:25:56,600 --> 00:25:57,920
Speaker 1: was a skinny mini in high school. But I don't

547
00:25:57,920 --> 00:25:59,240
Speaker 1: want to go back there. I just want to be

548
00:25:59,280 --> 00:26:02,640
Speaker 1: what I call right sized tip, which is like not

549
00:26:02,760 --> 00:26:05,880
Speaker 1: super thick, not super skinny, just someplace in between where

550
00:26:06,040 --> 00:26:08,399
Speaker 1: basically like an eight for like for my height, like

551
00:26:08,400 --> 00:26:10,040
Speaker 1: an eight ten. You know, I feel like I feel

552
00:26:10,040 --> 00:26:12,879
Speaker 1: comfortable in that. And right now I'm more like I

553
00:26:12,880 --> 00:26:16,320
Speaker 1: would say, like a twelve, twelve fourteen, probably closer to

554
00:26:16,320 --> 00:26:17,680
Speaker 1: a twelve now that I've lost some of the weight,

555
00:26:18,800 --> 00:26:20,280
Speaker 1: but yeah, I like it. And then I'm gonna get

556
00:26:20,280 --> 00:26:22,600
Speaker 1: back in the gym, get back working out I did

557
00:26:22,600 --> 00:26:25,400
Speaker 1: give get a fitbit to start walking, and it does

558
00:26:25,520 --> 00:26:29,400
Speaker 1: encourage me to walk more. I was surprised. How how

559
00:26:29,480 --> 00:26:31,159
Speaker 1: because you can you could tie in your fitbit to

560
00:26:31,160 --> 00:26:33,199
Speaker 1: your weight Watchers app, so you can well they call

561
00:26:33,240 --> 00:26:35,200
Speaker 1: a WW I guess people don't like the name weight Watchers.

562
00:26:35,200 --> 00:26:36,960
Speaker 1: I'm like, I could care less, but you could tie

563
00:26:37,000 --> 00:26:38,760
Speaker 1: it in so you can see how active you are.

564
00:26:39,359 --> 00:26:42,160
Speaker 2: Yeah, because now dj kal it is like a weight

565
00:26:42,200 --> 00:26:44,360
Speaker 2: Watcher spokesperson, so he had to make it cool.

566
00:26:44,880 --> 00:26:47,959
Speaker 1: Yes, I know. So yeah, like I said, I just

567
00:26:48,359 --> 00:26:49,840
Speaker 1: I like it so but you didn't like it when

568
00:26:49,880 --> 00:26:51,120
Speaker 1: you tried it, that's my boost.

569
00:26:51,440 --> 00:26:53,560
Speaker 2: No I did. I just fell off for whatever reason.

570
00:26:54,520 --> 00:26:56,200
Speaker 2: I think it was just so easy that I was like,

571
00:26:56,240 --> 00:26:59,000
Speaker 2: I don't need this anymore. I don't know, I went

572
00:26:59,040 --> 00:27:01,320
Speaker 2: through a lot this year's so, but I did like it.

573
00:27:01,440 --> 00:27:03,879
Speaker 2: It was definitely easy. I wasn't sure if it was

574
00:27:03,920 --> 00:27:05,639
Speaker 2: worth paying for it. I think at the time, I

575
00:27:05,640 --> 00:27:07,920
Speaker 2: think you said it was like seventeen dollars a month

576
00:27:08,000 --> 00:27:10,440
Speaker 2: or something like that. And then when I stopped using

577
00:27:10,440 --> 00:27:12,399
Speaker 2: the app because you add up like the three whatever

578
00:27:12,560 --> 00:27:14,200
Speaker 2: times four weeks or whatever.

579
00:27:15,240 --> 00:27:16,719
Speaker 1: Yeah, and I just like let it. I just let

580
00:27:16,760 --> 00:27:17,400
Speaker 1: it drop off.

581
00:27:17,480 --> 00:27:20,439
Speaker 2: But I do think it's it's good to like be

582
00:27:20,520 --> 00:27:23,120
Speaker 2: disappointed and it sounds like you use the app way

583
00:27:23,160 --> 00:27:26,160
Speaker 2: better than I ever did for everybody.

584
00:27:26,200 --> 00:27:29,120
Speaker 1: Like I'm just think that it's funny because like now

585
00:27:29,200 --> 00:27:31,399
Speaker 1: everybody's like just signed up for like I've been like

586
00:27:31,520 --> 00:27:34,840
Speaker 1: singing it. My sister called me WW. Whenever I tell her, like,

587
00:27:34,840 --> 00:27:38,360
Speaker 1: who I left the other town, She's like, okay, WW

588
00:27:38,520 --> 00:27:41,880
Speaker 1: hashtag a hashtag WW ambassador. She's like she's like, girl,

589
00:27:41,920 --> 00:27:44,600
Speaker 1: you could you make me want to sign up? So

590
00:27:44,600 --> 00:27:46,440
Speaker 1: so it's just fun to like for my friends that

591
00:27:46,480 --> 00:27:47,960
Speaker 1: have sign up along. We have like a group chat

592
00:27:48,000 --> 00:27:49,600
Speaker 1: now and I'm like, oh, what are you guys eating

593
00:27:49,640 --> 00:27:51,960
Speaker 1: for dinner? How many points is that? And we all

594
00:27:52,080 --> 00:27:53,560
Speaker 1: we want to go see my dad this weekend from

595
00:27:53,600 --> 00:27:55,639
Speaker 1: Memorial Day and I'll hang out because my mom is

596
00:27:55,680 --> 00:27:59,159
Speaker 1: in Chicago. I'm helping my sister out with her new baby.

597
00:27:59,560 --> 00:28:01,720
Speaker 1: And so we all like went and had like a

598
00:28:01,720 --> 00:28:04,360
Speaker 1: barbecue with them. It was nice with the kids and

599
00:28:04,920 --> 00:28:07,119
Speaker 1: we were all like counting points. They're like they're like,

600
00:28:07,200 --> 00:28:09,159
Speaker 1: let me see your app, let me scan that. What

601
00:28:09,560 --> 00:28:11,200
Speaker 1: Like it was just shocking to see, like what's what

602
00:28:11,320 --> 00:28:11,520
Speaker 1: you know?

603
00:28:12,119 --> 00:28:13,560
Speaker 2: How many you like it? It was a hot dog.

604
00:28:13,600 --> 00:28:16,000
Speaker 2: It's all I've been craving lately. Is like some hot dog.

605
00:28:16,680 --> 00:28:18,560
Speaker 1: I used to love a good hot dog, but I

606
00:28:18,560 --> 00:28:21,080
Speaker 1: don't you know what if it's charred just right on

607
00:28:21,119 --> 00:28:23,879
Speaker 1: the on the outside, I guess, let me see, how

608
00:28:23,880 --> 00:28:24,920
Speaker 1: many points is the hot dog?

609
00:28:25,200 --> 00:28:27,480
Speaker 2: Well I've been using. I mean, we didn't stop talking

610
00:28:27,480 --> 00:28:30,440
Speaker 2: about our diets, but like, yeah, I use chicken dogs

611
00:28:30,480 --> 00:28:32,479
Speaker 2: instead of because I had less sodium, because I need

612
00:28:32,520 --> 00:28:35,159
Speaker 2: to watch my sodium. But shout out to you, my

613
00:28:35,200 --> 00:28:37,879
Speaker 2: boos is real, real quick because I'm closing out mental

614
00:28:37,880 --> 00:28:40,800
Speaker 2: health awareness months. Is this is the end. By the

615
00:28:40,800 --> 00:28:42,400
Speaker 2: time we talk to you guys next week, it will

616
00:28:42,440 --> 00:28:45,280
Speaker 2: be over. I mean, obviously, I hope people continue being

617
00:28:45,280 --> 00:28:47,440
Speaker 2: concerned about their mental health. But for me, the big

618
00:28:47,520 --> 00:28:50,240
Speaker 2: change I made was that I started to walk during

619
00:28:50,320 --> 00:28:52,760
Speaker 2: my conference calls. Like during the day, I would pick

620
00:28:52,880 --> 00:28:54,800
Speaker 2: one of my one or two calls, sometimes back to

621
00:28:54,840 --> 00:28:56,160
Speaker 2: back calls, and then I would go for a walk

622
00:28:56,240 --> 00:28:59,120
Speaker 2: in the park while I listened in. And my average

623
00:28:59,160 --> 00:29:02,280
Speaker 2: step count for May is like twice as much as

624
00:29:02,280 --> 00:29:04,920
Speaker 2: it had as it was going back to like March,

625
00:29:04,960 --> 00:29:08,720
Speaker 2: I'm doing close tonight to day yeah, And I haven't

626
00:29:08,760 --> 00:29:11,760
Speaker 2: been weighing myself. I've just been like focusing on part

627
00:29:11,760 --> 00:29:14,440
Speaker 2: of my mental health is not being so shitty to

628
00:29:14,480 --> 00:29:17,680
Speaker 2: myself about my weight. But I've just been like, yeah,

629
00:29:17,720 --> 00:29:20,040
Speaker 2: I feel a lot better. And I obviously, now that

630
00:29:20,080 --> 00:29:22,960
Speaker 2: I have my dog, getting steps in, you know, is

631
00:29:23,400 --> 00:29:25,480
Speaker 2: a lot easier. I have more incentive to get out

632
00:29:25,480 --> 00:29:29,120
Speaker 2: there and exercise. And we walked like eight miles in

633
00:29:29,160 --> 00:29:31,840
Speaker 2: two days this weekend. We a lot of a lot

634
00:29:31,840 --> 00:29:34,480
Speaker 2: of activity and just walking and walking and walking. And

635
00:29:34,840 --> 00:29:36,320
Speaker 2: I haven't been going to the gym or anything like

636
00:29:36,320 --> 00:29:38,800
Speaker 2: that because I found with my new commute and my

637
00:29:38,880 --> 00:29:41,480
Speaker 2: new schedule, just working in the gym just stressed me

638
00:29:41,520 --> 00:29:44,959
Speaker 2: out more than I thought it was benefiting me. So

639
00:29:45,480 --> 00:29:47,640
Speaker 2: adding like doing all this extra walking. And it's not

640
00:29:47,720 --> 00:29:49,520
Speaker 2: like I do one big walk a day. I do

641
00:29:49,640 --> 00:29:52,800
Speaker 2: like I walk Mollie. We do one mile in the morning,

642
00:29:52,840 --> 00:29:55,520
Speaker 2: and then I probably walk two miles over the course

643
00:29:55,560 --> 00:29:57,440
Speaker 2: of my commute, and then during the day when I'm

644
00:29:57,440 --> 00:30:00,120
Speaker 2: walking around the park like a crazy person, and and

645
00:30:00,320 --> 00:30:03,280
Speaker 2: after work while I'm walk Molly for another mile. So

646
00:30:03,360 --> 00:30:05,440
Speaker 2: I try to do like at least four miles a day.

647
00:30:06,080 --> 00:30:09,120
Speaker 2: And yeah, it's been it's been good. And I don't

648
00:30:09,200 --> 00:30:11,520
Speaker 2: use a fitbit because I just started using my phone,

649
00:30:12,080 --> 00:30:14,920
Speaker 2: like the health app on my iPhone, and I don't

650
00:30:14,920 --> 00:30:16,760
Speaker 2: know if it's as accurate as a fitbit, but I'm like,

651
00:30:16,840 --> 00:30:20,240
Speaker 2: you know, it's it's good enough. So I'm pretty happy

652
00:30:20,240 --> 00:30:23,719
Speaker 2: with that, and I'm going to continue doing the walking.

653
00:30:23,760 --> 00:30:25,760
Speaker 2: I think it it's a lot easier now that it's

654
00:30:25,840 --> 00:30:27,640
Speaker 2: nicer weather, but I'll see if I can continue it

655
00:30:27,680 --> 00:30:29,600
Speaker 2: even through the winter.

656
00:30:30,400 --> 00:30:32,480
Speaker 1: Good And honestly, that's what that's really what it's about,

657
00:30:32,520 --> 00:30:35,480
Speaker 1: you really, I mean, aside from like you know, I'm like, okay,

658
00:30:35,560 --> 00:30:37,200
Speaker 1: let me, you know, bring down this weak just so

659
00:30:37,200 --> 00:30:39,600
Speaker 1: I can be like normal size for myself. But really,

660
00:30:39,680 --> 00:30:42,440
Speaker 1: I just really want to engage in. What I like

661
00:30:42,480 --> 00:30:47,000
Speaker 1: about it is healthier eating because sometimes you feel like, oh,

662
00:30:47,040 --> 00:30:49,640
Speaker 1: I know what I'm doing, you know, but sometimes you

663
00:30:49,640 --> 00:30:52,080
Speaker 1: don't realize because sometimes I see something in Hope foods

664
00:30:52,080 --> 00:30:53,680
Speaker 1: and I just assume, like, well, it's here, it must

665
00:30:53,720 --> 00:30:56,239
Speaker 1: be healthy. And so that's what's helped a lot too.

666
00:30:56,240 --> 00:30:59,480
Speaker 1: And it's funny because my one of my sisters got

667
00:30:59,480 --> 00:31:01,640
Speaker 1: it in because her one of her kids, she's like

668
00:31:01,680 --> 00:31:04,920
Speaker 1: doesn't eat like enough. She feels like. So she was like,

669
00:31:04,960 --> 00:31:07,440
Speaker 1: it's her way of scanning to see like what secret

670
00:31:07,440 --> 00:31:10,640
Speaker 1: facts she could slip into his meal, you know. So

671
00:31:10,680 --> 00:31:13,200
Speaker 1: she's like, ooh, yes, nice and fatty, because there are

672
00:31:13,200 --> 00:31:16,680
Speaker 1: certain things that seem like you know, low, you know,

673
00:31:16,840 --> 00:31:18,440
Speaker 1: car or stuff that he likes, you know, because he's

674
00:31:18,520 --> 00:31:20,840
Speaker 1: very picky eater. So she'll slip, slip and slipping and

675
00:31:20,880 --> 00:31:23,160
Speaker 1: be like, oh wait this, you know this brand of

676
00:31:23,240 --> 00:31:26,680
Speaker 1: whatever kids chips is is actually you know, it has

677
00:31:26,800 --> 00:31:29,720
Speaker 1: more whatever fat content or whatever it is you're looking

678
00:31:29,760 --> 00:31:32,080
Speaker 1: for than this brand. So she's been using, she's been

679
00:31:32,080 --> 00:31:36,360
Speaker 1: reverse engineering it so he gets enough. But yeah, I

680
00:31:36,440 --> 00:31:40,040
Speaker 1: just think that overall, ultimately, the only way that you

681
00:31:40,080 --> 00:31:42,800
Speaker 1: maintain wherever you want to be is to is for

682
00:31:42,880 --> 00:31:45,400
Speaker 1: it to be a normal process that you're not you're

683
00:31:45,440 --> 00:31:49,160
Speaker 1: not doing something dramatic, because it's very hard to keep

684
00:31:49,200 --> 00:31:51,000
Speaker 1: that up. You know, you might stay good for a

685
00:31:51,040 --> 00:31:52,960
Speaker 1: little bit and then and then fall off. And so

686
00:31:53,280 --> 00:31:55,760
Speaker 1: even for the exercise part, I actually do like walking,

687
00:31:56,080 --> 00:31:58,520
Speaker 1: and so it's something that I said, Okay, I started

688
00:31:58,560 --> 00:32:01,000
Speaker 1: to incorporate that as well. I'm like, Tiffany, you know,

689
00:32:01,160 --> 00:32:03,120
Speaker 1: I'm not gonna lie. I don't like the jam, you know,

690
00:32:03,320 --> 00:32:07,480
Speaker 1: and so, but I do enjoy walking and I can

691
00:32:07,520 --> 00:32:09,200
Speaker 1: do like a lot of my calls with my team

692
00:32:09,240 --> 00:32:11,480
Speaker 1: while I'm walking. And so I told myself, Okay, we'll

693
00:32:11,480 --> 00:32:13,160
Speaker 1: get up in the morning, throw on your tights or

694
00:32:13,200 --> 00:32:15,720
Speaker 1: your sweats or whatever, head to the park that's literally

695
00:32:15,720 --> 00:32:18,360
Speaker 1: five minutes away, and take your next two hours worth

696
00:32:18,360 --> 00:32:21,600
Speaker 1: of calls walking, you know, and so like, those are

697
00:32:21,600 --> 00:32:23,040
Speaker 1: the kind of things I want to incorporate into my

698
00:32:23,120 --> 00:32:25,200
Speaker 1: day to day life. So yay for fitness for both

699
00:32:25,240 --> 00:32:26,400
Speaker 1: of us. For healthy lives.

700
00:32:26,720 --> 00:32:29,120
Speaker 2: Yeah, and Mental Health Awareness month. Do you guys have

701
00:32:29,240 --> 00:32:31,560
Speaker 2: any ideas or any you want to share, any any

702
00:32:31,560 --> 00:32:33,840
Speaker 2: ways that you've been investing in mental health this month?

703
00:32:34,200 --> 00:32:35,680
Speaker 2: Shoot us a no. You can hit us up on

704
00:32:35,800 --> 00:32:39,000
Speaker 2: Instagram where Brand Ambition Podcast, or you can email us

705
00:32:39,000 --> 00:32:45,640
Speaker 2: at Brand Ambition Podcast at gmail dot com. Speaking of

706
00:32:45,680 --> 00:32:47,000
Speaker 2: our email and how to get in touch with us.

707
00:32:47,040 --> 00:32:51,240
Speaker 2: You want to do some questions? Yes, please, good questions.

708
00:32:51,280 --> 00:32:53,080
Speaker 2: I managed to get one off the GRAMD. Thank you

709
00:32:53,120 --> 00:32:55,160
Speaker 2: guys for sending us questions on the gram Remember we

710
00:32:55,280 --> 00:32:58,400
Speaker 2: can't see after twenty four hours when you tag us

711
00:32:58,400 --> 00:33:01,680
Speaker 2: in questions and your stories you've been doing that. Sorry,

712
00:33:01,760 --> 00:33:04,640
Speaker 2: I don't see those unless I happen to check within

713
00:33:04,720 --> 00:33:07,320
Speaker 2: twenty four hours. And the other part of my Mental

714
00:33:07,360 --> 00:33:09,880
Speaker 2: Health Awareness Month goal was to not be on Instagram,

715
00:33:10,040 --> 00:33:12,800
Speaker 2: so I haven't seen them, but you can send us

716
00:33:12,800 --> 00:33:16,320
Speaker 2: a DM directly. Anybody can, and I've been checking those.

717
00:33:16,400 --> 00:33:20,400
Speaker 2: So I got a couple of questions. First question from

718
00:33:21,000 --> 00:33:25,440
Speaker 2: Instagram user real Alisha. I think that's what us, says

719
00:33:25,480 --> 00:33:29,360
Speaker 2: Real Alisha. Alicia says, I know Tiff has raved about

720
00:33:29,440 --> 00:33:32,720
Speaker 2: ally savings account and I just closed my Barclays account

721
00:33:32,800 --> 00:33:36,480
Speaker 2: for Ally. I have two checking accounts now, one with

722
00:33:36,600 --> 00:33:40,920
Speaker 2: a USAA and a local credit union, which both have

723
00:33:41,000 --> 00:33:44,200
Speaker 2: savings accounts attached that I don't use due to the

724
00:33:44,240 --> 00:33:48,040
Speaker 2: trash interest rates. I also have a net spend checking

725
00:33:48,040 --> 00:33:50,760
Speaker 2: and savings account that I do use via an old

726
00:33:50,800 --> 00:33:54,240
Speaker 2: employer for my side hustle funds. And your guys's opinion,

727
00:33:54,280 --> 00:33:56,280
Speaker 2: do you think I have my eggs in too many baskets?

728
00:33:56,320 --> 00:33:58,440
Speaker 2: So basically, does she have too many checking accounts and

729
00:33:58,440 --> 00:34:02,000
Speaker 2: savings accounts? I want a CD and I plan on

730
00:34:02,080 --> 00:34:04,800
Speaker 2: going with who has the best rate. But do you

731
00:34:04,840 --> 00:34:07,000
Speaker 2: think I should just choose among the companies that I'm

732
00:34:07,000 --> 00:34:10,759
Speaker 2: already doing business with? Alicia? I feel you on this

733
00:34:10,880 --> 00:34:13,520
Speaker 2: because I am a woman of many banks as well.

734
00:34:13,600 --> 00:34:16,960
Speaker 1: Yes, as am I, Yeah, and it's right.

735
00:34:16,960 --> 00:34:18,879
Speaker 2: I mean the advice is always go with the best rate,

736
00:34:18,920 --> 00:34:20,799
Speaker 2: but at the end of the day, like that bank

737
00:34:20,840 --> 00:34:22,520
Speaker 2: may have the best rate on CDs, but that big

738
00:34:22,560 --> 00:34:24,319
Speaker 2: bank may have the best rate on savings, and then

739
00:34:24,320 --> 00:34:26,239
Speaker 2: that bank may have your retirement fund, and then you

740
00:34:26,239 --> 00:34:30,400
Speaker 2: feel like you have seventy eleven different accounts and your

741
00:34:30,400 --> 00:34:33,040
Speaker 2: money all over the place. If you have the you know,

742
00:34:33,080 --> 00:34:35,799
Speaker 2: if you have the patience and it doesn't stress you out,

743
00:34:35,800 --> 00:34:37,400
Speaker 2: and you get one of those apps where you can

744
00:34:37,440 --> 00:34:40,040
Speaker 2: see all your accounts in one place, like a Mint

745
00:34:40,120 --> 00:34:42,680
Speaker 2: app or Personal Capital, those can help you at least

746
00:34:42,680 --> 00:34:44,760
Speaker 2: feel like you have a bird's eye view of everything.

747
00:34:45,280 --> 00:34:48,080
Speaker 2: I highly recommend that I use Personal Capital personally. I've

748
00:34:48,120 --> 00:34:51,279
Speaker 2: used Mint before. They're both fine. I mean, there's a

749
00:34:51,280 --> 00:34:54,680
Speaker 2: reason Mint's been around forever, right, So I would suggest

750
00:34:54,800 --> 00:34:56,239
Speaker 2: using one of those apps. I mean, I don't want

751
00:34:56,280 --> 00:34:59,120
Speaker 2: to say don't shop around for the best rates, especially

752
00:34:59,120 --> 00:35:02,120
Speaker 2: when you're talking about your long term savings like your

753
00:35:02,160 --> 00:35:05,040
Speaker 2: CDs and even your emergency fund. You definitely want to

754
00:35:05,040 --> 00:35:08,640
Speaker 2: get the best rates. And yeah, sometimes you won't find

755
00:35:09,680 --> 00:35:13,279
Speaker 2: all the best rates in one bank, which can make

756
00:35:13,320 --> 00:35:16,200
Speaker 2: it a little difficult to juggle, but it's not necessarily

757
00:35:16,280 --> 00:35:18,160
Speaker 2: a bad thing. It's only bad if you get stressed

758
00:35:18,160 --> 00:35:19,399
Speaker 2: out and you can't manage it all.

759
00:35:20,080 --> 00:35:21,879
Speaker 1: Yeah, and that's what I would say too, like, yeah,

760
00:35:21,880 --> 00:35:23,920
Speaker 1: I like. The only thing I don't like about personal

761
00:35:23,920 --> 00:35:27,160
Speaker 1: capital is that, I mean, you might not have this problem,

762
00:35:27,160 --> 00:35:31,440
Speaker 1: but I have my business accounts and my personal accounts

763
00:35:31,480 --> 00:35:34,600
Speaker 1: at this one bank. I have two banks, so I

764
00:35:34,600 --> 00:35:36,759
Speaker 1: have my savings at my ally account, but then my

765
00:35:37,160 --> 00:35:39,759
Speaker 1: business and personal account like at a big bank, and

766
00:35:39,960 --> 00:35:44,759
Speaker 1: personal capital can't distinguish. So they're like, woo, Tiffany, you

767
00:35:44,840 --> 00:35:48,280
Speaker 1: have three hundred thous And now I'm like, I don't.

768
00:35:49,040 --> 00:35:50,400
Speaker 2: Oh, I see what you're saying.

769
00:35:50,560 --> 00:35:53,040
Speaker 1: Yeah, so, and I called them to act. They're like,

770
00:35:53,080 --> 00:35:54,480
Speaker 1: how you liking because I think when you sign up,

771
00:35:54,480 --> 00:35:56,520
Speaker 1: they call and reach out to you, you know, like

772
00:35:56,560 --> 00:35:58,399
Speaker 1: it's kind of like a follow up. And I'm like, yeah,

773
00:35:58,440 --> 00:36:00,720
Speaker 1: it looks like I'm way richer than I am because

774
00:36:01,080 --> 00:36:04,480
Speaker 1: all five businesses, including Brown Ambition, are contributing to my

775
00:36:05,120 --> 00:36:08,520
Speaker 1: great wealth that you're touting. But that's not all me,

776
00:36:08,719 --> 00:36:10,600
Speaker 1: you know. So that's the only thing that I can't

777
00:36:10,600 --> 00:36:12,279
Speaker 1: get an accurate read at where I am and with

778
00:36:12,320 --> 00:36:14,960
Speaker 1: my So I mean, but if you're not, if you

779
00:36:14,960 --> 00:36:17,000
Speaker 1: don't have a mix like I do, then you'll be

780
00:36:17,520 --> 00:36:20,920
Speaker 1: You'll be fine. And but yeah, having multiple accounts as

781
00:36:20,920 --> 00:36:22,440
Speaker 1: fine as long as, like Mandy said, you can keep

782
00:36:22,520 --> 00:36:25,360
Speaker 1: up with them. Sometimes you know, just audit. Like today,

783
00:36:25,480 --> 00:36:27,239
Speaker 1: I was talking to Superman and he was like, why

784
00:36:27,239 --> 00:36:29,439
Speaker 1: do we have this joint We've got like two joint

785
00:36:29,480 --> 00:36:31,400
Speaker 1: checking accounts and I can't remember why we opened the

786
00:36:31,400 --> 00:36:34,040
Speaker 1: second one, and I was like, why do we have it?

787
00:36:34,080 --> 00:36:37,040
Speaker 1: So today because I think we had like twenty bucks

788
00:36:37,120 --> 00:36:40,400
Speaker 1: in it at one point, and and then today I

789
00:36:40,480 --> 00:36:42,479
Speaker 1: just got a message saying and went to zero because

790
00:36:42,480 --> 00:36:45,160
Speaker 1: of the last two months. My bank takes ten bucks

791
00:36:45,239 --> 00:36:48,240
Speaker 1: a month, you know, as it's fee, And I was like, wait,

792
00:36:48,480 --> 00:36:50,799
Speaker 1: we don't even use it, so I canceled it today.

793
00:36:50,800 --> 00:36:54,040
Speaker 1: So there's nothing wrong with having them auditing and canceling

794
00:36:54,080 --> 00:36:55,200
Speaker 1: when you decide you don't need it.

795
00:36:55,760 --> 00:36:57,759
Speaker 2: Yeah, one hundred percent. I mean, when you close the

796
00:36:57,800 --> 00:36:59,960
Speaker 2: bank account, it will show up on your check system

797
00:37:00,200 --> 00:37:03,600
Speaker 2: report and check system is basically the checking the bank

798
00:37:03,640 --> 00:37:07,480
Speaker 2: account version of a credit report. But you know, opening

799
00:37:07,520 --> 00:37:11,520
Speaker 2: and closing a bunch of bank accounts can potentially make

800
00:37:11,560 --> 00:37:14,439
Speaker 2: it harder for you to get approved for a checking

801
00:37:14,480 --> 00:37:16,719
Speaker 2: account or a bank account in the future. But yeah,

802
00:37:16,760 --> 00:37:18,719
Speaker 2: once in a while, closing an account, that's just a

803
00:37:18,760 --> 00:37:20,759
Speaker 2: part of life and you shouldn't worry about doing that.

804
00:37:22,480 --> 00:37:24,840
Speaker 2: I will see there reminded me that I have a

805
00:37:24,880 --> 00:37:27,400
Speaker 2: couple of different checking accounts. I have this old Capital

806
00:37:27,440 --> 00:37:29,200
Speaker 2: one account that I used to have Capital one three

807
00:37:29,280 --> 00:37:31,160
Speaker 2: sixty but then ally got so much better that I

808
00:37:31,160 --> 00:37:35,279
Speaker 2: stopped using it. Sure enough, there was some old I

809
00:37:35,360 --> 00:37:37,160
Speaker 2: must have had some bill I forget what it is

810
00:37:37,200 --> 00:37:39,000
Speaker 2: now that got charged to that account, and It's been

811
00:37:39,120 --> 00:37:42,000
Speaker 2: years since I've touched that account, probably and it overdrew

812
00:37:42,040 --> 00:37:43,839
Speaker 2: my account, and I was like, oh damn. So you

813
00:37:43,840 --> 00:37:45,480
Speaker 2: have to watch out for that kind of stuff, you know,

814
00:37:45,560 --> 00:37:47,200
Speaker 2: make sure that if you're going to stop using an

815
00:37:47,239 --> 00:37:49,359
Speaker 2: account and just let it sit there, that you don't

816
00:37:49,360 --> 00:37:52,840
Speaker 2: have any any bills, you know, pulling from that account,

817
00:37:52,880 --> 00:37:55,720
Speaker 2: and then yeah, that it's safe. And that's why personal

818
00:37:55,719 --> 00:37:57,839
Speaker 2: capital or like another or a mint or something can

819
00:37:57,880 --> 00:37:59,560
Speaker 2: be good too, because then you can see all in

820
00:37:59,560 --> 00:38:01,560
Speaker 2: one place. I was able to tell that I had

821
00:38:01,600 --> 00:38:03,839
Speaker 2: an overdraft. I'm not logging into Capital one every day,

822
00:38:04,040 --> 00:38:05,759
Speaker 2: but I could tell that I got I had that

823
00:38:05,920 --> 00:38:09,920
Speaker 2: overdraft fee or in non sufficient funds fee because I

824
00:38:10,120 --> 00:38:13,360
Speaker 2: was getting like all my accounts in one place, which

825
00:38:13,560 --> 00:38:18,279
Speaker 2: is helpful. All right, thanks for your question, Alicia from

826
00:38:18,280 --> 00:38:23,040
Speaker 2: the GRAM, And we have another question from listener Jasmine.

827
00:38:23,520 --> 00:38:26,040
Speaker 2: Jasmine has a question about for one K. She says

828
00:38:27,000 --> 00:38:30,840
Speaker 2: about the terminology quote unquote maxing out four one k's

829
00:38:30,920 --> 00:38:34,720
Speaker 2: or any other financial vehicles before preparing to invest. She says,

830
00:38:34,760 --> 00:38:36,879
Speaker 2: how does one know when they've maxed out on their

831
00:38:36,920 --> 00:38:40,080
Speaker 2: four oh one K or IRA accounts before embarking on

832
00:38:40,120 --> 00:38:43,880
Speaker 2: their investment journey? Good question, you know, because they don't

833
00:38:43,920 --> 00:38:45,879
Speaker 2: tell you. You don't get a certificate in the mail

834
00:38:46,000 --> 00:38:50,360
Speaker 2: like congratulations you max at your four one K stop.

835
00:38:52,080 --> 00:38:54,560
Speaker 2: I realized that last year they don't like you have

836
00:38:54,600 --> 00:38:57,759
Speaker 2: to really watch it yourself. And it's important because you

837
00:38:57,800 --> 00:38:59,920
Speaker 2: know there's limits on So for four on one K,

838
00:39:00,600 --> 00:39:03,360
Speaker 2: let me not misquote myself, but let me google it

839
00:39:03,360 --> 00:39:06,839
Speaker 2: real quick to be sure I get the limits right. Okay, good,

840
00:39:06,880 --> 00:39:10,400
Speaker 2: all right, So for twenty nineteen, the contribution limit for

841
00:39:10,520 --> 00:39:13,320
Speaker 2: a regular four to one K is nineteen thousand dollars

842
00:39:13,920 --> 00:39:18,239
Speaker 2: and for an IRA, which is like an individual retirement

843
00:39:18,280 --> 00:39:21,520
Speaker 2: account that is six thousand dollars for the tax year

844
00:39:21,640 --> 00:39:24,120
Speaker 2: twenty nineteen. So if you go over that amount, you

845
00:39:24,160 --> 00:39:26,520
Speaker 2: could be liable for tax penalties. So you want to

846
00:39:26,560 --> 00:39:29,480
Speaker 2: be careful if you're you know, fortunate enough to be

847
00:39:29,480 --> 00:39:31,080
Speaker 2: able to put that much money away that you're not

848
00:39:31,160 --> 00:39:33,839
Speaker 2: going over. Yeah, and my financial plan are the only

849
00:39:33,880 --> 00:39:35,480
Speaker 2: way she told me, I need, you know, to check

850
00:39:35,480 --> 00:39:37,160
Speaker 2: that is just to keep tabs on of myself, like

851
00:39:37,239 --> 00:39:39,719
Speaker 2: log in in December and make sure that I'm not

852
00:39:39,880 --> 00:39:43,880
Speaker 2: getting too close to the max and adjust my savings

853
00:39:43,880 --> 00:39:44,680
Speaker 2: if I am.

854
00:39:45,360 --> 00:39:47,000
Speaker 1: Yeah, and then too Like I mean, if you're putting

855
00:39:47,000 --> 00:39:50,040
Speaker 1: the same amount of money every month, you can do

856
00:39:50,080 --> 00:39:53,719
Speaker 1: the math, like six thousand divided by twelve is five

857
00:39:53,800 --> 00:39:55,560
Speaker 1: hundred bucks a month. So if you do five hundred

858
00:39:55,560 --> 00:39:57,000
Speaker 1: bucks a month, you know that you're going to stay

859
00:39:57,040 --> 00:40:00,600
Speaker 1: within what's allotted, you know, assuming you're un the age

860
00:40:00,600 --> 00:40:02,160
Speaker 1: of is it fifty five?

861
00:40:02,840 --> 00:40:04,920
Speaker 2: I think what do you mean for before you can

862
00:40:04,960 --> 00:40:05,600
Speaker 2: make withdrawals?

863
00:40:05,960 --> 00:40:07,279
Speaker 1: No, before you could take you could put it more,

864
00:40:07,320 --> 00:40:09,279
Speaker 1: because I think it's six thousand if you're under fifty five,

865
00:40:09,280 --> 00:40:10,920
Speaker 1: and like sixty five hundred if you're over.

866
00:40:10,880 --> 00:40:13,560
Speaker 2: Oh you right, yeah, catch up contributions. I think you're

867
00:40:13,600 --> 00:40:14,399
Speaker 2: right fifty five.

868
00:40:15,400 --> 00:40:17,719
Speaker 1: So so yeah, so you know during the math, like

869
00:40:17,800 --> 00:40:19,480
Speaker 1: knowing like oh okay, this is what it is, and

870
00:40:20,400 --> 00:40:22,319
Speaker 1: knowing every january, like if you have kind of like

871
00:40:22,320 --> 00:40:26,200
Speaker 1: a financial rehash with yourself every january, it's like, okay,

872
00:40:26,239 --> 00:40:27,480
Speaker 1: some of the things I'm going to look at is

873
00:40:28,000 --> 00:40:31,120
Speaker 1: you know, what's the new amount that I can maximat

874
00:40:31,120 --> 00:40:34,640
Speaker 1: I can contribute to my to my retirement accounts. Let's

875
00:40:34,680 --> 00:40:37,319
Speaker 1: do the math and let's adjust my automatic savor my

876
00:40:37,360 --> 00:40:39,319
Speaker 1: automatic transfers to those accounts.

877
00:40:40,000 --> 00:40:43,080
Speaker 2: That's really smart. I try that, and then once a

878
00:40:43,160 --> 00:40:44,799
Speaker 2: year I feel like I'm like I could use more

879
00:40:44,800 --> 00:40:46,239
Speaker 2: money in the bank this month, and then I just

880
00:40:46,280 --> 00:40:49,400
Speaker 2: like adjusted down a little bit for the month and

881
00:40:49,400 --> 00:40:50,719
Speaker 2: that my numbers were all thrown off.

882
00:40:51,600 --> 00:40:55,240
Speaker 1: Yeah that happens too, But it's always better to under

883
00:40:55,400 --> 00:40:57,839
Speaker 1: underdo it obviously than because you don't want to. Because

884
00:40:57,840 --> 00:40:59,560
Speaker 1: I did that once, I could say that because I

885
00:40:59,560 --> 00:41:01,760
Speaker 1: did that one then I had like a penalty because

886
00:41:01,760 --> 00:41:05,839
Speaker 1: i'd well, because what happened was I was contributing at

887
00:41:05,880 --> 00:41:10,640
Speaker 1: one point as a self employed person, and then I

888
00:41:10,680 --> 00:41:13,960
Speaker 1: became an employee of the budget Nista, and so when

889
00:41:13,960 --> 00:41:16,160
Speaker 1: you contribute as a self employed person, you can contribute

890
00:41:16,239 --> 00:41:18,680
Speaker 1: up to fifty percent, and I forget the amount, the

891
00:41:18,680 --> 00:41:22,880
Speaker 1: actual number amount, and so it was like, you know,

892
00:41:23,320 --> 00:41:26,360
Speaker 1: that was totally different than contributing as an employee. I

893
00:41:26,400 --> 00:41:32,279
Speaker 1: can't contribute up to fifty percent of my income. I mean, like,

894
00:41:32,320 --> 00:41:35,000
Speaker 1: as long as my income is below you know whatever,

895
00:41:35,080 --> 00:41:38,160
Speaker 1: twelve thousand dollars or so, I can Basically I can't.

896
00:41:38,239 --> 00:41:41,360
Speaker 1: You could contribute way more when you are self employed,

897
00:41:41,360 --> 00:41:43,040
Speaker 1: because the assumption is, you know, you have so much

898
00:41:43,080 --> 00:41:45,120
Speaker 1: going on, and you know a lot of your money

899
00:41:45,160 --> 00:41:47,399
Speaker 1: is going back into the business. And so I never

900
00:41:47,560 --> 00:41:49,719
Speaker 1: made the distinction. I don't think I've told at the

901
00:41:49,719 --> 00:41:53,279
Speaker 1: time my financial advisor. Hey, by the way, sidebar, I

902
00:41:53,320 --> 00:41:55,280
Speaker 1: am no longer self employed. I am not an employee

903
00:41:55,280 --> 00:41:57,759
Speaker 1: of the budget Nista. That's why it's important too if

904
00:41:57,760 --> 00:42:00,000
Speaker 1: you have a business that your financial people are talking

905
00:42:00,160 --> 00:42:02,800
Speaker 1: to each other, you know, like that way your financial

906
00:42:02,840 --> 00:42:04,560
Speaker 1: planner is talking to your count and is talking to

907
00:42:04,600 --> 00:42:09,560
Speaker 1: maybe your your bookkeeper or CFO. Because if not, you know,

908
00:42:09,719 --> 00:42:11,239
Speaker 1: I can make a choice. And I don't think it

909
00:42:11,280 --> 00:42:15,120
Speaker 1: means anything, but Carlos my account is like, uh, that's everything,

910
00:42:15,360 --> 00:42:15,560
Speaker 1: you know.

911
00:42:16,239 --> 00:42:20,600
Speaker 2: Okay, thanks for your question, Jasmine, and that's it. If

912
00:42:20,600 --> 00:42:23,000
Speaker 2: you guys want to send us your questions again, you

913
00:42:23,040 --> 00:42:26,200
Speaker 2: can go to Brandabisson podcast dot com and click ask

914
00:42:26,280 --> 00:42:29,359
Speaker 2: us anything, or you can hit us up directly at

915
00:42:29,360 --> 00:42:33,719
Speaker 2: Brandonbision Podcasts at gmail dot com, oh my, or Instagram.

916
00:42:33,760 --> 00:42:37,200
Speaker 2: Brand Ambission Podcast on Instagram. We're also on Facebook. Oh

917
00:42:37,200 --> 00:42:39,000
Speaker 2: I didn't even check Facebook. You might have questions there.

918
00:42:39,000 --> 00:42:41,760
Speaker 2: Maybe I'll get to those next week. Facebook or Brand Ambition.

919
00:42:42,000 --> 00:42:43,879
Speaker 2: I mean, there's a million ways to contact us. It's

920
00:42:43,880 --> 00:42:46,239
Speaker 2: a miracle, y'all. Don't just show up on our doorsteps.

921
00:42:46,760 --> 00:42:50,239
Speaker 2: Yeah right, like excuse me. You probably get that all

922
00:42:50,239 --> 00:42:50,520
Speaker 2: the time.

923
00:42:50,560 --> 00:42:55,200
Speaker 1: Actually well yeah, yeah I do. People will stop me

924
00:42:55,239 --> 00:42:57,640
Speaker 1: in the whole flues like question, you know you're.

925
00:42:57,600 --> 00:42:59,560
Speaker 2: You know, you're like a New Jersey celebrity.

926
00:43:01,400 --> 00:43:05,480
Speaker 1: I'm I'm a new a Newerk local local, uh celebrity

927
00:43:05,560 --> 00:43:07,560
Speaker 1: like hey by Jensta. But it's not even like, you know,

928
00:43:07,880 --> 00:43:10,080
Speaker 1: like the sexy celebrity. We're like ooh girl, can I

929
00:43:10,080 --> 00:43:13,040
Speaker 1: get It's like hey Bajans, so girl, this credit score

930
00:43:13,080 --> 00:43:16,680
Speaker 1: I need, which actually I really love because it means

931
00:43:16,680 --> 00:43:19,759
Speaker 1: that people are opening up about talking about finances, so

932
00:43:19,880 --> 00:43:20,760
Speaker 1: that's always awesome.

933
00:43:21,160 --> 00:43:22,920
Speaker 2: What's new with the budget easteries? I feel like we

934
00:43:22,960 --> 00:43:25,200
Speaker 2: haven't heard an update. What's going on the academy.

935
00:43:25,800 --> 00:43:27,840
Speaker 1: Yeah, the Academy is rocking and rolling. Actually, we just

936
00:43:27,840 --> 00:43:32,040
Speaker 1: open up doors again Literature Academy dot com. Well, actually

937
00:43:32,160 --> 00:43:35,640
Speaker 1: join l RA dot com just to learn more. But yeah,

938
00:43:35,680 --> 00:43:37,719
Speaker 1: it's it's rocking and roller. We open up the doors again.

939
00:43:37,760 --> 00:43:42,640
Speaker 1: I've added something that's going live soon called the Financial

940
00:43:42,719 --> 00:43:46,680
Speaker 1: Freedom Plan because I realize people want handholding from the

941
00:43:46,840 --> 00:43:49,000
Speaker 1: very beginning of the financial journey to the end, and

942
00:43:49,040 --> 00:43:51,120
Speaker 1: that's what the Financial Freedom Plan is. It's like from

943
00:43:51,160 --> 00:43:54,280
Speaker 1: the beginning of money mindset to the end of retirement.

944
00:43:55,080 --> 00:43:57,800
Speaker 1: So that's what made the Academy go from the version

945
00:43:57,840 --> 00:43:59,880
Speaker 1: it was to two point zero. So I'm excited about that.

946
00:44:01,040 --> 00:44:04,480
Speaker 1: My children's book is finally wrapping up as far as

947
00:44:05,200 --> 00:44:08,560
Speaker 1: the like the illustration, so I mean, there's still a

948
00:44:08,600 --> 00:44:11,200
Speaker 1: lot of work to do, like the back cover, inside cover,

949
00:44:11,640 --> 00:44:14,400
Speaker 1: but that's not going to launch until January twenty twenty.

950
00:44:14,440 --> 00:44:16,320
Speaker 1: But I'm just excited to see it come to life.

951
00:44:16,480 --> 00:44:18,560
Speaker 1: There's just something special there. I can feel it.

952
00:44:18,680 --> 00:44:21,600
Speaker 2: Which launch before Christmas. People can get Christmas gifts.

953
00:44:21,880 --> 00:44:27,600
Speaker 1: You know, well, I have a what's the publisher? Yes, no, yes,

954
00:44:27,640 --> 00:44:30,960
Speaker 1: it's a distributor. Yeah, it's a publisher's. But she was

955
00:44:31,160 --> 00:44:33,239
Speaker 1: basically saying, because we went through date, she was like,

956
00:44:33,280 --> 00:44:35,320
Speaker 1: the best dates for children's books are like right before

957
00:44:35,400 --> 00:44:38,040
Speaker 1: like au guests, right before the school year, and surprisingly

958
00:44:38,120 --> 00:44:43,120
Speaker 1: not right before Christmas necessarily, but actually in January. It's

959
00:44:43,120 --> 00:44:45,000
Speaker 1: actually a really great date because let's just say you

960
00:44:45,000 --> 00:44:47,160
Speaker 1: want to let's just say your book is really awesome,

961
00:44:47,160 --> 00:44:49,360
Speaker 1: which I hope mine is, then you want to be

962
00:44:49,440 --> 00:44:54,600
Speaker 1: considered the new hot two thousand or whatever book for

963
00:44:54,640 --> 00:44:56,799
Speaker 1: the full year. Like if I were to launch in

964
00:44:56,920 --> 00:45:02,240
Speaker 1: say November, they would still consider me twenty nineteen book,

965
00:45:02,320 --> 00:45:04,479
Speaker 1: and I wouldn't be eligible for any awards or anything

966
00:45:04,480 --> 00:45:06,879
Speaker 1: else that they might submit me to because those things

967
00:45:06,880 --> 00:45:08,880
Speaker 1: have passed. And I was like, oh it, smarty, haughty.

968
00:45:09,640 --> 00:45:11,800
Speaker 2: I mean, if you want to take the professional publisher's

969
00:45:11,840 --> 00:45:16,919
Speaker 2: advice over mine, that's fine, but you know, good luck

970
00:45:16,960 --> 00:45:17,960
Speaker 2: with this little project.

971
00:45:19,120 --> 00:45:20,880
Speaker 1: So I'm super excited. She was like, that way, tipany

972
00:45:20,880 --> 00:45:22,719
Speaker 1: you know, if people really love the book, then we

973
00:45:22,760 --> 00:45:25,200
Speaker 1: could submit it for like NAACP Award and this award

974
00:45:25,200 --> 00:45:27,560
Speaker 1: and that award, and you know, you have an opportunity

975
00:45:27,680 --> 00:45:28,840
Speaker 1: at least, you know, And I was like, you know,

976
00:45:28,920 --> 00:45:31,319
Speaker 1: that's really smart. And I actually got a book agent too,

977
00:45:31,400 --> 00:45:34,080
Speaker 1: because a couple of like major publishers, I usually always

978
00:45:34,080 --> 00:45:36,319
Speaker 1: say no, but because I usually self published so I

979
00:45:36,320 --> 00:45:38,600
Speaker 1: can keep all the coin. But lately I've been thinking

980
00:45:38,600 --> 00:45:42,239
Speaker 1: I would like to traditionally publish one book, at least

981
00:45:42,239 --> 00:45:46,120
Speaker 1: one book, and so I've been taking those conversations more seriously.

982
00:45:46,120 --> 00:45:48,080
Speaker 1: But I didn't want to do it alone. So Gene Chatsky,

983
00:45:48,120 --> 00:45:50,359
Speaker 1: who you guys have probably seen on the Today Show.

984
00:45:50,400 --> 00:45:52,719
Speaker 1: She's really dope. She's got this book called I Think

985
00:45:52,719 --> 00:45:56,760
Speaker 1: Women in Money that just came out, and she hooked

986
00:45:56,760 --> 00:45:59,879
Speaker 1: me up with her with her book agent, Heather, And honestly, Heather,

987
00:46:00,040 --> 00:46:06,000
Speaker 1: it's awesome. She's cusses and she's dopey. I can tell

988
00:46:06,000 --> 00:46:08,680
Speaker 1: that she is dope and just like you know, like

989
00:46:09,120 --> 00:46:11,319
Speaker 1: a bulldog. And so I'm just really excited to like

990
00:46:11,400 --> 00:46:13,960
Speaker 1: have her on the team to help me navigate the

991
00:46:14,480 --> 00:46:18,120
Speaker 1: process of, like you know, of our traditional publishing. So yeah,

992
00:46:18,120 --> 00:46:20,000
Speaker 1: it's been a lot going on, but more more so

993
00:46:20,080 --> 00:46:21,600
Speaker 1: than anything else, I've been spending a lot more time

994
00:46:21,640 --> 00:46:23,799
Speaker 1: with like my family, which has been really great. That's

995
00:46:23,800 --> 00:46:27,200
Speaker 1: what I wanted really for twenty nineteen is to Yes,

996
00:46:27,280 --> 00:46:28,960
Speaker 1: I want the budget needs to grow, but not to

997
00:46:29,080 --> 00:46:32,200
Speaker 1: be the focus like it normally is. I really want

998
00:46:32,239 --> 00:46:36,000
Speaker 1: to focus on family this year, and so that's what's

999
00:46:36,000 --> 00:46:38,040
Speaker 1: been happening lovely.

1000
00:46:38,480 --> 00:46:40,560
Speaker 2: I believe in all the research that says people who

1001
00:46:40,640 --> 00:46:43,359
Speaker 2: cause some more successful life. All right, take it to heart.

1002
00:46:43,680 --> 00:46:48,160
Speaker 2: Thank you very fucking much. All right with that, that's

1003
00:46:48,200 --> 00:46:51,120
Speaker 2: our show. Thank you guys for joining us. Another week

1004
00:46:51,120 --> 00:46:51,840
Speaker 2: of browd ambition.

1005
00:46:54,080 --> 00:46:57,040
Speaker 1: Yes, it's always been a pleasure. Until next tune.

1006
00:46:57,280 --> 00:46:59,080
Speaker 2: Yeah, well, good luck with the house fingers crossed, move

1007
00:46:59,120 --> 00:47:02,680
Speaker 2: in moving, Yes, thank you, all right, take care