WEBVTT - Ep. 175 — The College Graduation Gift Heard 'Round the World

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<v Speaker 1>Hey, hey, hey, we're back. We're black, We're brown.

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<v Speaker 2>Hey, Mandra Hey, happy brand ambition Wednesday. Guys.

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<v Speaker 1>Yeah, super excited. I'm Tiffany and it's Mandy and we're

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<v Speaker 1>brand Ambition. So how have you been.

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<v Speaker 2>Things have been good, things have been really good. My

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<v Speaker 2>dog Walker quit, so there's been some there's been some

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<v Speaker 2>drums in my life. And I got a temporary person

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<v Speaker 2>to fill in today and I wasn't really you know,

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<v Speaker 2>I have like nest cam setup. It's not creepy to

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<v Speaker 2>have nest cam setup. You have to. I feel like

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<v Speaker 2>I need to have footage of any interactions just in

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<v Speaker 2>case they, you know, abuse my baby. Yeah, of course,

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<v Speaker 2>and especially because I didn't get to injured this person

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<v Speaker 2>because it was so last minute the change. So this

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<v Speaker 2>you know, lovely college student young woman visited and I didn't.

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<v Speaker 2>I didn't think that she loved my dog enough. And

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<v Speaker 2>I've was like texting my husband like I don't think

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<v Speaker 2>that she thought it was adorable enough. How Molly decided

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<v Speaker 2>to bring this long ass stick home with her like

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<v Speaker 2>she seemed annoyed about it, which I didn't like. But uh, yeah,

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<v Speaker 2>I'm gonna turn into that kind of dog mom.

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<v Speaker 1>But Yeah, no, I think that. Yeah, that you want

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<v Speaker 1>to have somebody who's going to look after you, you know,

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<v Speaker 1>like someone who genuinely loves dogs or kids or whatever

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<v Speaker 1>it is, or you're having them look after.

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<v Speaker 2>Yeah, but shout out too, I've been. I used the

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<v Speaker 2>next Door It's called the neighborhood app. Like, if you

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<v Speaker 2>live in a neighborhood, you can join this app called

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<v Speaker 2>next Door, and then you join your neighborhood and then

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<v Speaker 2>you can it's kind of like a community message board.

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<v Speaker 2>You can say, for example, I posted I was looking

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<v Speaker 2>for a dog walker, just to find someone really close

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<v Speaker 2>to my neighborhood, and I got a ton of referrals

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<v Speaker 2>to people that I've got to sort through and it's helpful.

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<v Speaker 2>And then if you like are looking for a house

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<v Speaker 2>cleaner or you want to sell something, it's like a

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<v Speaker 2>micro community thing versus like putting it on Craigslist or

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<v Speaker 2>Facebook where thorde knows who's going to see your post.

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<v Speaker 1>Yeah, but I can't wait. So you like Nest, I

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<v Speaker 1>was thinking about getting one night, I was thinking I

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<v Speaker 1>ordered it already. I ordered a ring doorbell.

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<v Speaker 2>Oh yeah, rings, you definitely rings like really popular up

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<v Speaker 2>there with Nest.

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<v Speaker 1>I think yeah, so I they they gave them out

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<v Speaker 1>in my neighborhood. I guess they wanted people to like

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<v Speaker 1>obviously use and so yeah, I'm like curious. My neighbor

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<v Speaker 1>she loves it. She's like it like rings her phone

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<v Speaker 1>so she could see who's there, she could speak directly

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<v Speaker 1>through it.

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<v Speaker 2>I'm like, Okay, what's not to love. I love spying on.

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<v Speaker 2>I just like to. It just gives peace of mind,

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<v Speaker 2>and it's really clutched when like, it's so much safer because,

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<v Speaker 2>for example, the dog walker, you don't you know, I

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<v Speaker 2>have a it's a keypad. I think ring works the

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<v Speaker 2>same way. You have a unique keypad for your door.

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<v Speaker 2>Key code for your door. It's like a four digit code,

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<v Speaker 2>and my husband and I have the main house one.

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<v Speaker 2>But then when we were doing we have that construction

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<v Speaker 2>going on, And then with a dog walker, you can

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<v Speaker 2>give people unique codes and then you can control what

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<v Speaker 2>time of day the codes work.

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<v Speaker 1>So smarty, aughty I like that.

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<v Speaker 2>Yeah. So just it's so much safer than like just

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<v Speaker 2>having a lock and key. I feel like, yeah, if

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<v Speaker 2>you're like me and you're always forgetting or losing your keys,

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<v Speaker 2>then you don't have to worry, like how many times

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<v Speaker 2>as a kid, was I crawling through windows because.

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<v Speaker 1>You know, Jarrell still colobs too, because he's so skinny.

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<v Speaker 2>I'm like, you turn, So that sounds like a finishing touch.

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<v Speaker 2>Does that mean the house is getting there?

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<v Speaker 1>Yes, we just got the floors refinished, and so we're

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<v Speaker 1>just like, you know, they have to do the last

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<v Speaker 1>coat of paint. They did the floors first because redoing

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<v Speaker 1>a like redoing the floors can get a little messy,

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<v Speaker 1>you know, so they like to get one coat of paint.

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<v Speaker 1>And so after this, it's really just like doorknobs and

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<v Speaker 1>like hooks and you know, and knobs on the kitchen

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<v Speaker 1>kitchen cabinet. So I think by next week we should

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<v Speaker 1>be in excited. I know, like I'm like holding my

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<v Speaker 1>excitement for when we're really like cause there are like

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<v Speaker 1>some definitely some touch and go stuff like I had

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<v Speaker 1>to I had to, like I could not find mirrors

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<v Speaker 1>and the doorknob situation. Who knew, Because when you have

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<v Speaker 1>an older house you have these things sometimes called mortis locks,

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<v Speaker 1>which are like normally if you were to open your door,

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<v Speaker 1>like on the side, you see like the little the

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<v Speaker 1>I guess, the part that actually closes the door like

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<v Speaker 1>the little button net pokes out on the on the

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<v Speaker 1>spine of the door, so a mortis lock. The old

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<v Speaker 1>school ones are long and big and so like. Some

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<v Speaker 1>of our doors are regular. I guess at some point

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<v Speaker 1>somebody replaced doors and some of them are those mortislocks.

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<v Speaker 1>Those mortorslocks are so hard to find. They either sell

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<v Speaker 1>them for like seven bucks and they break, like you know,

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<v Speaker 1>you read the reviews, or they're like three hundred and

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<v Speaker 1>you're like, wait for one doornop, you.

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<v Speaker 2>Know doortombs in general, I was shocked. I was shocked

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<v Speaker 2>at how much that our designer lady wanted us to

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<v Speaker 2>spend one hundred and thirty five dollars each. It's really

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<v Speaker 2>pretty doorknobs, and I was like negative.

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<v Speaker 1>Though, yes, I was like yo. It took like months

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<v Speaker 1>of looking and then finally I found these mortislock ones

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<v Speaker 1>with good reviews that were solid, all this stuff for

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<v Speaker 1>thirty five dollars a doorn up. I was like, who,

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<v Speaker 1>thank you Jesus, because literally I was like, it's either

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<v Speaker 1>I get these super cheap ones that are clearly going

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<v Speaker 1>to break because they're like eight bucks, or like one

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<v Speaker 1>hundred and something dollar ones, And I'm like I refuse spend,

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<v Speaker 1>like because we have a lot of doors, so I

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<v Speaker 1>think we had like twenty one doors. Can you imagine?

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<v Speaker 2>Yeah I can, Yeah exactly. I remember.

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<v Speaker 1>I'm just glad that we're rounding the corner and like,

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<v Speaker 1>you know, like it's just I can't believe when I

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<v Speaker 1>walk in, you know, I'm still like nervous about we

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<v Speaker 1>made a design choice that wasn't that cute. Like we

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<v Speaker 1>have something called a plate rail, so you now you

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<v Speaker 1>have the chair rails in the in like in a

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<v Speaker 1>living room or dining room where it's like Wayne's Wain's coating,

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<v Speaker 1>I guess they call it. But up to like a

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<v Speaker 1>certain certain heights or a plate rail is like as

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<v Speaker 1>high as a person because I guess back in the

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<v Speaker 1>day Victorian women or whatever you used to like display

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<v Speaker 1>their plates has a little lit and then the rest

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<v Speaker 1>is like wood. And so my designer was like, oh,

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<v Speaker 1>let's try, like, you know, painting the trim on this

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<v Speaker 1>a darker color. And we both were like, yeah, that's bad.

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<v Speaker 1>So it looked more zebrash then. So that was the

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<v Speaker 1>one thing I took a picture like no one said anything,

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<v Speaker 1>and then one day Superman came in and I was

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<v Speaker 1>just like cause I was like sitting with it for

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<v Speaker 1>a little She's like, just sit with them and see

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<v Speaker 1>how you feel. So he came in. I was like,

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<v Speaker 1>what do you think you say I think it's ugly.

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<v Speaker 1>He had been waiting to get it down. I was like,

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<v Speaker 1>I think so too. I wasn't. She's like no no,

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<v Speaker 1>He's like no no. And then I told my contractor.

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<v Speaker 1>I was like, don't put a second coat on of this.

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<v Speaker 1>I just wanted to paint it back to the trim

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<v Speaker 1>trim white. And he's like, ooh, I was gonna say,

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<v Speaker 1>you know, MI, like it's your house, lady. I didn't,

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<v Speaker 1>you know, I don't wanna. I don't wanna to say anything,

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<v Speaker 1>but woo, this thing is hideous. And I was like, okay, okay,

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<v Speaker 1>everybody so stuff like that. But honestly, other than that,

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<v Speaker 1>everything like our designer has been awesome from remain home Rihanna,

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<v Speaker 1>and yeah, it just looks it looks beautiful. The house.

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<v Speaker 1>You know, that was the kind of like missed up

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<v Speaker 1>and even I'm glad we tried it because it's not

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<v Speaker 1>a huge thing to paint it over, but better to

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<v Speaker 1>paint it now than later.

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<v Speaker 2>I was. I just heard this in passing that I

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<v Speaker 2>listened to Gail in the morning, which is what I

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<v Speaker 2>call CBS News because I don't know who other people are,

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<v Speaker 2>so it's just like a rotating you know, white guys.

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<v Speaker 2>At this point, I don't even know Nora o'donna left,

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<v Speaker 2>and now it's just like a white dude and an

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<v Speaker 2>older white dude. But anyway, Gail was on this morning

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<v Speaker 2>talking about I feel like an old lady. I was

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<v Speaker 2>watching the Gael and she was talking about something about

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<v Speaker 2>seventy percent of people can't afford houses or people can't

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<v Speaker 2>afford houses and seventy percent of the country basically like

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<v Speaker 2>at today's prices, which was just like one of the

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<v Speaker 2>sadder stats I've ever heard. And I feel like it's

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<v Speaker 2>it's like all these great stats about homeowner and not

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<v Speaker 2>home ownership, but like employment being up and you know,

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<v Speaker 2>unemployment being down so low and everyone's working, working, working.

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<v Speaker 2>It's just like ten years after the recession and you

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<v Speaker 2>still feel like there's so much more we have to

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<v Speaker 2>do in terms of like income equality and giving people

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<v Speaker 2>access to affordable housing, and we have so far to go.

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<v Speaker 2>So it's just a blessing. I feel like to to

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<v Speaker 2>own and to have reached out Milestone. Yeah, so hard

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<v Speaker 2>to people who are saving up for your house and

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<v Speaker 2>your first home. Like, I understand the struggle, and you know,

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<v Speaker 2>it's just becoming increasingly rare to have that property.

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<v Speaker 1>Yeah, and it's so crazy today. Like right before we started,

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<v Speaker 1>you know, taping today, someone called me. It was like

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<v Speaker 1>when I speak to Siphany Earle, I was like, that's

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<v Speaker 1>just she this is a bad time. I'm like, sorry,

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<v Speaker 1>who are you? You know, You're just like just get

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<v Speaker 1>to it serious. He was like, he was like, I'm

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<v Speaker 1>I was just I was riding around the neighborhood and

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<v Speaker 1>I saw your house and I was like, oh boy,

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<v Speaker 1>here we go. I said, this is the people when

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<v Speaker 1>people in Brooklyn feel like he basically wanted to purchase

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<v Speaker 1>the house, and I should have asked him at what

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<v Speaker 1>price I should have. I didn't even think of it,

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<v Speaker 1>just to see, just to be I'm curious, just to know,

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<v Speaker 1>you know. He was like, you know, what do you

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<v Speaker 1>you know, what are your plans with that? I said,

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<v Speaker 1>my plans are to live in the house that I bought.

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<v Speaker 1>He was like, I know, he was like, okay, thanks,

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<v Speaker 1>but yeah, I'm honestly, I was I should have. I

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<v Speaker 1>didn't even think about it because what if he said

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<v Speaker 1>I'll give you I mean or four hundred thousand hours

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<v Speaker 1>for it or something like that. But but yeah, so

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<v Speaker 1>this is this happens especially with our other house and

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<v Speaker 1>the Weekway section of Newark that's an also really nice

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<v Speaker 1>section of Newark because that house was like dilapidated, and

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<v Speaker 1>so I guess people like really think like, oh, I'll

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<v Speaker 1>pay you like five g's for it to take it

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<v Speaker 1>off your hands. But we just haven't gotten around to

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<v Speaker 1>starting working on it yet since we're doing our house.

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<v Speaker 1>But I just thought to myself, like, wow, they are

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<v Speaker 1>really starting to like converge onto Newark, you know.

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<v Speaker 2>I mean, it's bound to happen. Yeah, new York is popping.

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<v Speaker 1>You know.

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<v Speaker 2>We didn't get a chance to talk about that big

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<v Speaker 2>news because we were out. We had a rerun a

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<v Speaker 2>rerun last week because I was sick. Sorry about that.

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<v Speaker 2>But the big news, which was that Robert Smith paying

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<v Speaker 2>agreeing that that billionaire philanthropist guy agreeing to payoff more

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<v Speaker 2>House graduates of twenty nineteen all their student loan dead.

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<v Speaker 2>I know, everybody was so jealous, Like I saw a

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<v Speaker 2>meme going around to people crossing out their college on

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<v Speaker 2>their diploma and writing more House instead.

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<v Speaker 1>Yeah, I know that. I posted one about I forget

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<v Speaker 1>the woman from the young woman from Moesha. I can't

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<v Speaker 1>remember her best friend, I forget her real name. And

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<v Speaker 1>she says like she has a little face that she

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<v Speaker 1>always makes she used to make on Moesha. It says,

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<v Speaker 1>I go to Morehouse a little bit. She always said

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<v Speaker 1>a little bit when she was on Mosha. And I

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<v Speaker 1>thought that was hilarious. But honestly, what a life changing

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<v Speaker 1>movement move Someone had posted under that meme that her

0:10:38.920 --> 0:10:41.280
<v Speaker 1>brother was there and he was one of the graduates.

0:10:41.280 --> 0:10:44.400
<v Speaker 1>And already, as a result of that generous gift, the

0:10:44.679 --> 0:10:49.640
<v Speaker 1>twenty nineteen graduates have started a grant and started contributing

0:10:49.640 --> 0:10:51.080
<v Speaker 1>to it so they can do the same for the

0:10:51.080 --> 0:10:51.920
<v Speaker 1>next year's class.

0:10:52.120 --> 0:10:55.320
<v Speaker 2>That's beautiful. That's what happened after Oprah donated like a

0:10:55.320 --> 0:10:57.120
<v Speaker 2>crap ton of money in the more House. Then, like

0:10:57.360 --> 0:11:00.880
<v Speaker 2>remember that episode of Oprah where why do I remember this?

0:11:00.920 --> 0:11:02.800
<v Speaker 2>I don't know. I watched a lot of Oprah, But

0:11:03.000 --> 0:11:05.640
<v Speaker 2>she gave this big graham to more House, and then

0:11:05.920 --> 0:11:08.520
<v Speaker 2>a bunch of the recipients of that grant, like ten

0:11:08.600 --> 0:11:10.679
<v Speaker 2>years later or twenty years later or whatever it was,

0:11:11.200 --> 0:11:14.000
<v Speaker 2>we're all really successful. And they got together and pulled

0:11:14.040 --> 0:11:16.360
<v Speaker 2>their funds for like a scholarship fund and then paid

0:11:16.360 --> 0:11:18.520
<v Speaker 2>it forward, which is so beautiful. So it's nice to

0:11:18.520 --> 0:11:19.560
<v Speaker 2>hear that I'm doing that again.

0:11:20.320 --> 0:11:22.640
<v Speaker 1>Yeah, it is. Honestly, it's just because someone tried to

0:11:22.640 --> 0:11:26.000
<v Speaker 1>come for you know. Auntie Oh was like, Oprah, that's

0:11:26.000 --> 0:11:27.720
<v Speaker 1>what you need to do. She's like, actually, did it

0:11:27.840 --> 0:11:29.160
<v Speaker 1>paid for four hundred? What?

0:11:29.360 --> 0:11:29.760
<v Speaker 2>Idiot?

0:11:30.280 --> 0:11:32.720
<v Speaker 1>I just don't understand, Like, well, if you gotta come

0:11:32.720 --> 0:11:34.840
<v Speaker 1>for someone, at least you do your googles, right, do

0:11:34.880 --> 0:11:37.880
<v Speaker 1>your googles. Everyone was like, if you don't sit down, like,

0:11:37.920 --> 0:11:39.760
<v Speaker 1>first of all, one, you don't get to tell people

0:11:39.800 --> 0:11:41.920
<v Speaker 1>how to spend their money. You just don't. Even if

0:11:41.960 --> 0:11:44.600
<v Speaker 1>Oprah never spent an like a penny on anyone else,

0:11:44.880 --> 0:11:47.360
<v Speaker 1>you still don't have any rights to her money. It's hers.

0:11:47.760 --> 0:11:51.160
<v Speaker 1>That's one. And then two, she's done that and even more.

0:11:51.920 --> 0:11:55.240
<v Speaker 1>And so you know, I mean, Oprah is both public

0:11:55.280 --> 0:11:58.640
<v Speaker 1>and private with her giving. So I just thought like, wow,

0:11:58.679 --> 0:12:01.320
<v Speaker 1>like I don't know, and you might ask yourself like

0:12:01.360 --> 0:12:03.560
<v Speaker 1>that same woman, have you given anything to your community?

0:12:03.760 --> 0:12:07.080
<v Speaker 1>Five dollars ten dollars ten minutes. Sometimes we're so worried

0:12:07.120 --> 0:12:09.480
<v Speaker 1>about other people doing you have to ask yourself, in

0:12:09.520 --> 0:12:11.400
<v Speaker 1>your own capacity, have you done anything?

0:12:12.360 --> 0:12:14.760
<v Speaker 2>Yeah, I've been thinking about that more and more. I

0:12:14.840 --> 0:12:19.280
<v Speaker 2>just had my ten year college graduation adversary this month,

0:12:19.360 --> 0:12:22.000
<v Speaker 2>and I had gone home because I'm on the alumni

0:12:22.040 --> 0:12:26.120
<v Speaker 2>board to Athens to Uga, and they have this. When

0:12:26.120 --> 0:12:28.240
<v Speaker 2>I was in school, like ten years ago. Long story short,

0:12:28.400 --> 0:12:31.240
<v Speaker 2>I got approved, I got accepted into this prestigious like

0:12:31.280 --> 0:12:33.720
<v Speaker 2>magazine internship in New York City, but I couldn't afford

0:12:33.720 --> 0:12:36.120
<v Speaker 2>the airfare to get here. And I was like just

0:12:36.400 --> 0:12:39.080
<v Speaker 2>I was like working part time, you know, paying my

0:12:39.120 --> 0:12:40.920
<v Speaker 2>way through college, and I had just enough for rent

0:12:40.960 --> 0:12:43.920
<v Speaker 2>each month. But then I had an anonymous donor. I'm

0:12:43.960 --> 0:12:45.280
<v Speaker 2>pretty sure I knew who it was, one of my

0:12:45.320 --> 0:12:48.200
<v Speaker 2>professors who put up the money for me to pay

0:12:48.240 --> 0:12:50.439
<v Speaker 2>for my airfare and then my housing because housing is

0:12:50.480 --> 0:12:53.880
<v Speaker 2>expensive in New York. And I always remembered that, and

0:12:53.920 --> 0:12:55.520
<v Speaker 2>I was always like, one day I'll get a chance

0:12:55.559 --> 0:12:57.320
<v Speaker 2>to pay it forward, and like, you don't need to

0:12:57.320 --> 0:12:59.160
<v Speaker 2>be a billionaire. I'm just trying to say. So. I

0:12:59.200 --> 0:13:03.160
<v Speaker 2>reached out to my my the journalism school, and ask

0:13:03.240 --> 0:13:07.320
<v Speaker 2>them if I could sponsor one of their journalism students

0:13:07.320 --> 0:13:09.600
<v Speaker 2>coming to the campus this summer. They do like a

0:13:09.679 --> 0:13:12.440
<v Speaker 2>summer camp with high school students to encourage them to

0:13:12.559 --> 0:13:15.920
<v Speaker 2>go into journalism. And it wasn't like a major gift,

0:13:15.960 --> 0:13:17.480
<v Speaker 2>but I went in on it with my friend and

0:13:17.520 --> 0:13:19.360
<v Speaker 2>I and we sponsored a student to go to this

0:13:19.920 --> 0:13:23.080
<v Speaker 2>for free, to this this journalism program this summer. And

0:13:23.440 --> 0:13:25.120
<v Speaker 2>I felt like that was a nice way, ten years

0:13:25.160 --> 0:13:29.199
<v Speaker 2>later to give something back. And it wasn't like a

0:13:29.240 --> 0:13:31.680
<v Speaker 2>formal because I know you get those I don't know

0:13:31.720 --> 0:13:34.800
<v Speaker 2>if your college reaches out to you, like the fundraising team,

0:13:34.840 --> 0:13:36.920
<v Speaker 2>you know, asking you to donate twenty you know, called

0:13:36.960 --> 0:13:39.719
<v Speaker 2>you on the phone. Those things are always you know,

0:13:39.880 --> 0:13:42.679
<v Speaker 2>maybe you're inclined to donate, but I it always feels

0:13:42.760 --> 0:13:44.800
<v Speaker 2>kind of awkward. But this for me, like being able

0:13:44.880 --> 0:13:47.000
<v Speaker 2>to control where the money went and knowing that it

0:13:47.040 --> 0:13:49.560
<v Speaker 2>went to a student of color for this program and

0:13:49.600 --> 0:13:51.200
<v Speaker 2>I got them to assure me that it would that

0:13:51.280 --> 0:13:53.160
<v Speaker 2>felt really meaningful.

0:13:53.640 --> 0:13:55.880
<v Speaker 1>Oh that's good, that's really good.

0:13:56.320 --> 0:13:58.320
<v Speaker 2>Hey, pat on my back and shout out to my

0:13:58.320 --> 0:13:59.960
<v Speaker 2>friend Baron for going in on it with me.

0:14:01.200 --> 0:14:03.800
<v Speaker 1>I mean, that's really I think to me, people don't

0:14:03.920 --> 0:14:06.800
<v Speaker 1>there are not many Oprahs. Let's be real and that

0:14:07.160 --> 0:14:11.000
<v Speaker 1>like if what really what makes the biggest difference is yes,

0:14:11.080 --> 0:14:16.440
<v Speaker 1>Oprah obviously making this huge donation to four hundred college gards,

0:14:16.440 --> 0:14:18.760
<v Speaker 1>and then Robert F. Smith making this huge donation that

0:14:18.800 --> 0:14:22.240
<v Speaker 1>those are awesome, But there are you know, thousands of

0:14:22.280 --> 0:14:25.200
<v Speaker 1>people in that audience who were watching it. You know,

0:14:25.400 --> 0:14:27.440
<v Speaker 1>if everyone just did something like I said, it doesn't

0:14:27.480 --> 0:14:30.720
<v Speaker 1>have to be money. Maybe it's just like, you know,

0:14:30.880 --> 0:14:35.560
<v Speaker 1>making sure that the kids on your block get home safely,

0:14:36.280 --> 0:14:38.040
<v Speaker 1>or you know what I mean. Like it could be

0:14:38.080 --> 0:14:39.720
<v Speaker 1>like Jirell used to do this thing. I keep saying

0:14:39.760 --> 0:14:41.280
<v Speaker 1>his name, but whatever, Superman used to do this thing

0:14:41.320 --> 0:14:44.760
<v Speaker 1>on Fridays that we would get the kids pizza because

0:14:44.800 --> 0:14:46.400
<v Speaker 1>you know what kid doesn't love pizza. We just get

0:14:46.400 --> 0:14:48.640
<v Speaker 1>like three big you know, and there's like a pizza

0:14:48.640 --> 0:14:51.160
<v Speaker 1>place around around the corner that does like six dollars,

0:14:51.600 --> 0:14:54.080
<v Speaker 1>you know, large pies, and then we would cut them

0:14:54.200 --> 0:14:56.520
<v Speaker 1>into like sixteens because most of the kids are pretty little,

0:14:56.840 --> 0:14:58.600
<v Speaker 1>and even if they got just a little slice, it

0:14:58.640 --> 0:15:01.480
<v Speaker 1>was just something to be like, you know, we're all outside,

0:15:01.520 --> 0:15:03.640
<v Speaker 1>we're having fun. It's a summer night. We have some pizza,

0:15:03.640 --> 0:15:07.160
<v Speaker 1>we have some juice boxes. So it doesn't have to

0:15:07.160 --> 0:15:10.560
<v Speaker 1>be these big overtures. But small things really can equally

0:15:10.600 --> 0:15:14.560
<v Speaker 1>make life changing things happen in people's lives. And you know,

0:15:14.640 --> 0:15:16.440
<v Speaker 1>if we all just have to look to ourselves and say, well,

0:15:16.440 --> 0:15:17.040
<v Speaker 1>what can I do?

0:15:18.080 --> 0:15:20.240
<v Speaker 2>Yeah, and then who in your life came out and

0:15:20.280 --> 0:15:21.960
<v Speaker 2>supported you in a time of need? And then how

0:15:21.960 --> 0:15:25.960
<v Speaker 2>can you pay that forward? Yeah, shout out to the Professor

0:15:26.000 --> 0:15:28.200
<v Speaker 2>Fink rec And I'm pretty sure he's the one who

0:15:28.200 --> 0:15:28.840
<v Speaker 2>gave me that gift.

0:15:29.240 --> 0:15:30.280
<v Speaker 1>Oh that's so sweet.

0:16:02.120 --> 0:16:04.720
<v Speaker 2>What's a nice way to kick off the show? Break?

0:16:05.640 --> 0:16:08.920
<v Speaker 1>Yes, boost a breaker, Boost a break. I've been waiting

0:16:09.200 --> 0:16:11.000
<v Speaker 1>to share this boost, but I would let you go

0:16:11.040 --> 0:16:11.800
<v Speaker 1>first if you need to.

0:16:12.040 --> 0:16:15.160
<v Speaker 2>No, please, Mademoiselle, go first.

0:16:15.880 --> 0:16:17.640
<v Speaker 1>So I don't remember. I think it was the last

0:16:17.640 --> 0:16:20.480
<v Speaker 1>show or the show bef last. I think where I said,

0:16:20.560 --> 0:16:24.400
<v Speaker 1>oh I gained all this love weight. I would say

0:16:25.800 --> 0:16:29.440
<v Speaker 1>approximately like twenty pounds, give or take a pound or two.

0:16:29.920 --> 0:16:32.040
<v Speaker 1>And I'm like, in the last two years because Supermann

0:16:32.120 --> 0:16:34.000
<v Speaker 1>and I are going to be celebrating our two year

0:16:34.040 --> 0:16:40.400
<v Speaker 1>anniversary in a month, woo, thank ya. And yeah, So

0:16:40.440 --> 0:16:42.640
<v Speaker 1>I was just like, I mean, part of it is

0:16:42.680 --> 0:16:45.640
<v Speaker 1>because the IVF process and like all the hormones. But

0:16:45.680 --> 0:16:47.920
<v Speaker 1>then also to part of it is just greed because

0:16:47.960 --> 0:16:52.640
<v Speaker 1>food delicious. You know, it's a thing. And so you're right.

0:16:52.680 --> 0:16:54.560
<v Speaker 1>I had reached like my peak of all peaks. I

0:16:54.640 --> 0:16:57.960
<v Speaker 1>was like, whoa, I had never seen a number like

0:16:58.000 --> 0:17:01.440
<v Speaker 1>this before on the scale. And then it must have

0:17:01.440 --> 0:17:02.680
<v Speaker 1>been like ten o'clock at night, and I was like,

0:17:02.720 --> 0:17:05.320
<v Speaker 1>you know, doing my daily ritual before I go to sleep,

0:17:05.400 --> 0:17:07.920
<v Speaker 1>checking up on Facebook just in case I miss any action,

0:17:08.119 --> 0:17:11.040
<v Speaker 1>you know, I was scirling through. And then a friend

0:17:11.040 --> 0:17:14.680
<v Speaker 1>of mine had posted, like, woo who I just reached

0:17:14.680 --> 0:17:18.120
<v Speaker 1>my fifteen pound goal, losing a goal of losing fifteen pounds.

0:17:18.440 --> 0:17:20.639
<v Speaker 1>I did it in eight weeks. And she looked awesome.

0:17:20.760 --> 0:17:23.080
<v Speaker 1>I mean she looked awesome else either way, but you know,

0:17:23.160 --> 0:17:25.280
<v Speaker 1>she looked awesome and she just seems so happy. And

0:17:25.560 --> 0:17:27.560
<v Speaker 1>I remember her telling me before she was struggling, and

0:17:27.600 --> 0:17:29.520
<v Speaker 1>she was like, you know, I did weight watchers, and

0:17:29.560 --> 0:17:31.760
<v Speaker 1>I was like, weight watchers the stuff that your mom does,

0:17:31.840 --> 0:17:35.080
<v Speaker 1>you know, And I was like, okay, whatever, and then

0:17:35.480 --> 0:17:38.640
<v Speaker 1>like not even two minutes later, another friend of mine

0:17:38.680 --> 0:17:41.680
<v Speaker 1>who actually lives here in Newark, I'll call her Tea.

0:17:42.520 --> 0:17:45.040
<v Speaker 1>She posted it before and after and I think it

0:17:45.119 --> 0:17:47.800
<v Speaker 1>was like forty pounds. I had not seen her in

0:17:47.840 --> 0:17:51.679
<v Speaker 1>a little while and so and she was like, you know,

0:17:51.960 --> 0:17:54.000
<v Speaker 1>I love weight watchers. You know this really helped me

0:17:54.040 --> 0:17:55.920
<v Speaker 1>to get my life back on track. And I was like, God,

0:17:56.440 --> 0:17:59.320
<v Speaker 1>you trying to tell me something. And I told myself, Oh,

0:17:59.400 --> 0:18:02.800
<v Speaker 1>I'll sign up tomorrow, like you know, or maybe i'll

0:18:02.840 --> 0:18:04.320
<v Speaker 1>look into it tomorrow. And I was like, Tivity, what

0:18:04.320 --> 0:18:06.800
<v Speaker 1>are you doing tonight. You're saying that you're tired of

0:18:06.840 --> 0:18:10.120
<v Speaker 1>like this love weight. I had gone vegan again, and

0:18:10.200 --> 0:18:11.679
<v Speaker 1>you know, like I said, I love the animals, but

0:18:11.760 --> 0:18:14.280
<v Speaker 1>really I'm vegan for the cuteness. I had gone there.

0:18:14.560 --> 0:18:16.800
<v Speaker 1>I had gone vegan again and I'd lost like an

0:18:16.800 --> 0:18:19.000
<v Speaker 1>initial five pounds, but then I started creeping back up

0:18:19.040 --> 0:18:22.359
<v Speaker 1>and I couldn't understand why. And that's what was frustrating.

0:18:22.400 --> 0:18:25.160
<v Speaker 1>It was like I felt like I was eating like healthy,

0:18:25.600 --> 0:18:27.800
<v Speaker 1>and yet I was like, you know, of the five

0:18:27.880 --> 0:18:29.440
<v Speaker 1>I had gained back too, and I'm like, well, I

0:18:29.440 --> 0:18:32.159
<v Speaker 1>don't understand. I'm not even like you know, I'm not

0:18:32.200 --> 0:18:35.320
<v Speaker 1>eating pizza. I'm not eating cookies and the cakes and

0:18:35.359 --> 0:18:37.439
<v Speaker 1>ice cream I was eating before, so why am I

0:18:37.480 --> 0:18:39.520
<v Speaker 1>putting the weight back on, even if it's slowly? And

0:18:40.280 --> 0:18:43.480
<v Speaker 1>so I joined. And so if knowing what I would

0:18:43.520 --> 0:18:45.280
<v Speaker 1>have known now, I wouldn't have joined with the coach.

0:18:45.320 --> 0:18:47.320
<v Speaker 1>I joined with the coach because I thought I needed

0:18:47.320 --> 0:18:50.320
<v Speaker 1>to help navigating the app. So if you join without

0:18:50.320 --> 0:18:52.800
<v Speaker 1>a coach, I think the cheapest is like three dollars

0:18:52.800 --> 0:18:55.200
<v Speaker 1>and fifteen cents like a week, which is pretty reasonable.

0:18:55.880 --> 0:18:58.119
<v Speaker 1>And that's like what twelve dollars a month, something to

0:18:58.160 --> 0:19:00.200
<v Speaker 1>that effect. But I joined with the coach, so I

0:19:00.240 --> 0:19:02.240
<v Speaker 1>think it was like I did for two months. I

0:19:02.240 --> 0:19:04.639
<v Speaker 1>think it was like eight dollars a week or something.

0:19:04.640 --> 0:19:06.159
<v Speaker 1>But now, like I said, knowing what I know now,

0:19:06.200 --> 0:19:07.760
<v Speaker 1>I didn't need to cooke. I just wanted the app,

0:19:07.960 --> 0:19:11.240
<v Speaker 1>and the app is really good. So it's been about

0:19:11.640 --> 0:19:15.119
<v Speaker 1>two and a half weeks, almost three weeks, I've lost

0:19:15.160 --> 0:19:19.680
<v Speaker 1>eight pounds. Right, I'm like, oh my god, I'm back

0:19:19.680 --> 0:19:21.800
<v Speaker 1>in like the like I had like gotten to, like

0:19:21.800 --> 0:19:24.080
<v Speaker 1>the one nineties. And I'm like, Tiffany, what, like, you're

0:19:24.119 --> 0:19:26.720
<v Speaker 1>even my loose clothes would fit me like club clothes,

0:19:27.400 --> 0:19:28.440
<v Speaker 1>you know, you go to the club. You're like, I

0:19:28.520 --> 0:19:31.080
<v Speaker 1>need some tights I'm like, ah, my big jeans are

0:19:31.080 --> 0:19:32.600
<v Speaker 1>fitting me like skiddy jeans.

0:19:33.720 --> 0:19:36.119
<v Speaker 2>Wait, so is that with just a diet change or

0:19:36.119 --> 0:19:37.760
<v Speaker 2>did you like do working out and stuff?

0:19:37.760 --> 0:19:39.199
<v Speaker 1>So I'm not even working out, this is just a

0:19:39.240 --> 0:19:40.880
<v Speaker 1>diet change, and I was really shocked, and I said,

0:19:40.880 --> 0:19:42.800
<v Speaker 1>I'm gonna, I'm gonna, I am gonna add working out

0:19:42.800 --> 0:19:44.960
<v Speaker 1>to it. But for me, I'm someone who needs to

0:19:44.960 --> 0:19:47.960
<v Speaker 1>get very comfortable with one new change and then incorporate another.

0:19:48.680 --> 0:19:51.199
<v Speaker 1>So so I was like, no, this is just diet.

0:19:51.400 --> 0:19:54.159
<v Speaker 1>And what I liked about it is that. So I

0:19:54.200 --> 0:19:57.000
<v Speaker 1>did have one coaching call and I was kind of like, yeah, nah,

0:19:57.040 --> 0:19:58.720
<v Speaker 1>I don't really need it. So what I like about

0:19:58.760 --> 0:20:01.160
<v Speaker 1>it is that it's really I watched like a YouTube

0:20:01.200 --> 0:20:02.919
<v Speaker 1>video about how to navigate the app, and that it

0:20:02.920 --> 0:20:04.639
<v Speaker 1>taught me what I needed to know is that you

0:20:04.680 --> 0:20:06.720
<v Speaker 1>are first of all, you know, you say your weight,

0:20:06.800 --> 0:20:09.439
<v Speaker 1>your sex, your gender anyway, weight, gender, height, all that

0:20:09.480 --> 0:20:11.240
<v Speaker 1>kind of stuff, and then you say your goal. So

0:20:11.320 --> 0:20:12.720
<v Speaker 1>I was like, to lose weight. And then it asked

0:20:12.720 --> 0:20:15.520
<v Speaker 1>you your activity level. How often are you working out

0:20:15.680 --> 0:20:20.440
<v Speaker 1>like working out meaning ten minutes of continuous activity daily

0:20:20.480 --> 0:20:23.199
<v Speaker 1>and I was like zero. So based upon that, they

0:20:23.240 --> 0:20:25.520
<v Speaker 1>were like, okay, we're going to allot you. They allotted

0:20:25.560 --> 0:20:28.919
<v Speaker 1>me twenty three points. And so the way the points

0:20:28.920 --> 0:20:31.760
<v Speaker 1>work is that I guess food, not even I guess,

0:20:31.800 --> 0:20:36.240
<v Speaker 1>but food is matched up to a point system. So

0:20:36.640 --> 0:20:40.920
<v Speaker 1>fruits and vegetables are zero points, something like baked salmon,

0:20:41.040 --> 0:20:44.400
<v Speaker 1>baked chicken breasts and zero points. So things that typically

0:20:44.480 --> 0:20:47.760
<v Speaker 1>don't add to your weight gain, not to say those

0:20:47.800 --> 0:20:50.359
<v Speaker 1>things don't have any calories, but those are zero points.

0:20:50.440 --> 0:20:52.159
<v Speaker 1>I think boiled egg is zero points. So there's a

0:20:52.160 --> 0:20:55.240
<v Speaker 1>lot of there's about two hundred zero point things, mostly

0:20:55.240 --> 0:20:59.199
<v Speaker 1>fruits and vegetables and then everything else. It's like a

0:20:59.200 --> 0:21:02.280
<v Speaker 1>lotted points like for example, you know, I went vegan,

0:21:02.320 --> 0:21:05.280
<v Speaker 1>but I love these burgers from Beyond Meat. They have these,

0:21:05.280 --> 0:21:07.080
<v Speaker 1>like you know, vegan, Like, I guess they're supposed to

0:21:07.119 --> 0:21:08.240
<v Speaker 1>be supposed to be like hamburgers.

0:21:08.240 --> 0:21:10.359
<v Speaker 2>Oh yeah, I had one of those by accident one time.

0:21:10.760 --> 0:21:13.960
<v Speaker 1>Oh yeah, what, let me tell you something. Those things

0:21:14.200 --> 0:21:18.080
<v Speaker 1>are like thirteen points, Mandy, thirteen points. I was like,

0:21:18.200 --> 0:21:21.480
<v Speaker 1>wait what. Meanwhile, if I talk like you can literally

0:21:21.520 --> 0:21:23.200
<v Speaker 1>go in the app and I'm gonna type in whopper

0:21:23.760 --> 0:21:27.680
<v Speaker 1>a whopper burger. Let me see, like, what is the

0:21:28.160 --> 0:21:31.720
<v Speaker 1>oh wow, look, a burger King whopper junior sandwich is

0:21:31.800 --> 0:21:34.880
<v Speaker 1>ten points. So I'm eating this vegan beyond meat burger.

0:21:35.160 --> 0:21:38.840
<v Speaker 1>That's more points than a whopper Wopper Junior. And so

0:21:39.080 --> 0:21:41.200
<v Speaker 1>it helped me. What I like about it is not

0:21:41.480 --> 0:21:44.879
<v Speaker 1>I don't feel restricted. It helped me to eat more informed,

0:21:45.000 --> 0:21:48.520
<v Speaker 1>you know what I mean. Like it's not like, hey, Tiffany,

0:21:48.560 --> 0:21:51.600
<v Speaker 1>you can't have this cookie. It's like, hey, if I

0:21:51.640 --> 0:21:54.320
<v Speaker 1>am gonna have a cookie, which is probably the better cookie,

0:21:54.480 --> 0:21:56.280
<v Speaker 1>is it gonna be the oatmeal raisin? Is it gonna

0:21:56.320 --> 0:22:00.800
<v Speaker 1>be the chocolate chip? Which actually is really contribute to

0:22:00.960 --> 0:22:04.280
<v Speaker 1>wait for me? You know? And so there were something

0:22:04.320 --> 0:22:06.320
<v Speaker 1>that really surprised me, like the beyond meat burgers. I

0:22:06.400 --> 0:22:08.919
<v Speaker 1>was housing those things, Mandy. I was like, ooh, they

0:22:09.000 --> 0:22:13.440
<v Speaker 1>began I'm doing good. Yes, hope food tells them so delicious. Meanwhile,

0:22:13.720 --> 0:22:16.159
<v Speaker 1>something else that shocked the heck out of me Larer bars.

0:22:16.520 --> 0:22:18.840
<v Speaker 1>Do you know a lot one Larer bar is nine points?

0:22:18.880 --> 0:22:19.720
<v Speaker 1>That's a whapper junior.

0:22:20.440 --> 0:22:22.320
<v Speaker 2>Is it all the sugar and carbs because you're not

0:22:22.359 --> 0:22:26.320
<v Speaker 2>getting like the protein? Yeah, the free because it's called freestyle,

0:22:26.400 --> 0:22:29.639
<v Speaker 2>right the zero I tried weight Watchers last year. I

0:22:29.720 --> 0:22:32.480
<v Speaker 2>like the freestyle thing because it's it makes it, but

0:22:32.520 --> 0:22:35.680
<v Speaker 2>it's usually it's basically like celebrating and you get zero

0:22:35.720 --> 0:22:39.359
<v Speaker 2>points for like low carb things, and like so many

0:22:39.359 --> 0:22:42.040
<v Speaker 2>of those vegan options I have found, like vegetarian where

0:22:42.040 --> 0:22:45.680
<v Speaker 2>they try and replace something with something else. It's like carbs, Yeah,

0:22:45.680 --> 0:22:46.880
<v Speaker 2>it's carbs, carbs.

0:22:47.680 --> 0:22:51.880
<v Speaker 1>And so I yeah, I think that I just really

0:22:52.040 --> 0:22:54.040
<v Speaker 1>was just well, so I think I think it is

0:22:54.080 --> 0:22:57.320
<v Speaker 1>I think it's fiber. And so for example, if something

0:22:57.760 --> 0:23:00.639
<v Speaker 1>has like a lot of sugar but there's fiber in

0:23:00.680 --> 0:23:03.800
<v Speaker 1>the protein, I think it like offsets the sugar, you know.

0:23:04.600 --> 0:23:06.240
<v Speaker 1>So it's just what I like about it. Like I said,

0:23:06.280 --> 0:23:10.639
<v Speaker 1>I don't feel I don't feel like I'm missing out. Definitely,

0:23:10.680 --> 0:23:13.280
<v Speaker 1>there's things where I'm like, oh, I do kind of

0:23:13.280 --> 0:23:16.400
<v Speaker 1>miss like my subway cookie. But the other day it's

0:23:16.480 --> 0:23:18.399
<v Speaker 1>very easy for me to have a zero point breakfast

0:23:18.440 --> 0:23:21.920
<v Speaker 1>because I all have like fruit, maybe like I don't

0:23:21.920 --> 0:23:27.119
<v Speaker 1>want to eat eggs anymore, but like, yeah, typically I

0:23:27.200 --> 0:23:29.800
<v Speaker 1>have fruit, or I have this like this almond milk

0:23:29.840 --> 0:23:31.520
<v Speaker 1>smoothie that has a lot of protein in it, or

0:23:31.560 --> 0:23:36.679
<v Speaker 1>soy milk smoothie like like milk spinach, some fruit, and

0:23:36.680 --> 0:23:38.760
<v Speaker 1>a little squeeze of honey and that's like four points.

0:23:38.960 --> 0:23:41.320
<v Speaker 1>But I can have it very typically by the time

0:23:41.400 --> 0:23:43.640
<v Speaker 1>lunch rolls around, I have the majority of my points.

0:23:43.800 --> 0:23:45.600
<v Speaker 1>So if I decide to have a light lunch, like

0:23:46.040 --> 0:23:48.000
<v Speaker 1>I love sauteed spinach, and you can put a bunch

0:23:48.040 --> 0:23:52.680
<v Speaker 1>of stuff with it. And I found this alternative two

0:23:52.800 --> 0:23:55.159
<v Speaker 1>noodles that maybe with like tofood that tastes just like

0:23:55.160 --> 0:23:58.240
<v Speaker 1>spaghetti noodles, tastes like regular Pasa noodles, so I use that.

0:23:58.840 --> 0:24:01.280
<v Speaker 1>And then I found this crump from Whole Foods that

0:24:01.359 --> 0:24:05.560
<v Speaker 1>instead of the the beyond meat crumble, which is like

0:24:05.600 --> 0:24:08.000
<v Speaker 1>you know, ten points or whatever, this crumble is one

0:24:08.040 --> 0:24:11.359
<v Speaker 1>point per serving and so it actually tastes better and

0:24:11.480 --> 0:24:14.520
<v Speaker 1>more like ground turkey than like the Whole Foods version.

0:24:14.800 --> 0:24:17.119
<v Speaker 1>So it was just like like just now I had

0:24:17.800 --> 0:24:20.320
<v Speaker 1>for lunch today, I had a quote unquote hamburger. It

0:24:20.359 --> 0:24:23.080
<v Speaker 1>was this Boca burger that I found at Whole Foods

0:24:23.080 --> 0:24:24.560
<v Speaker 1>and they have a scanner on the app so you

0:24:24.600 --> 0:24:26.720
<v Speaker 1>can like scan it beep, so right there and Whole Foods.

0:24:26.720 --> 0:24:28.639
<v Speaker 1>I was like, oh, one burger is one point great.

0:24:29.040 --> 0:24:30.640
<v Speaker 1>And then I had a bun. I think my bun.

0:24:30.720 --> 0:24:32.600
<v Speaker 1>I had one of those flatbread buns and it was

0:24:32.640 --> 0:24:34.240
<v Speaker 1>three points. I was like, woo, so this is a

0:24:34.320 --> 0:24:36.320
<v Speaker 1>three point and you can have as many veggies as

0:24:36.359 --> 0:24:38.320
<v Speaker 1>you want. So I loaded it up with tomatoes onion,

0:24:38.840 --> 0:24:40.640
<v Speaker 1>like you know, and then I think ketchup is one point.

0:24:40.720 --> 0:24:44.520
<v Speaker 1>So it was like a five point launch, but super filling.

0:24:45.119 --> 0:24:46.520
<v Speaker 1>And so what I like, Like I said, what I

0:24:46.600 --> 0:24:50.720
<v Speaker 1>like about it is that I feel in control and within.

0:24:51.880 --> 0:24:56.600
<v Speaker 1>I understand now, okay, that this is what's contributing, and

0:24:56.720 --> 0:25:01.520
<v Speaker 1>this is what is deceptively quote unquote healthy. Also too,

0:25:02.000 --> 0:25:03.840
<v Speaker 1>I have to be mindful. And this is anybody who's

0:25:03.840 --> 0:25:06.080
<v Speaker 1>ever interested in joining, is that I love fruit. I

0:25:06.080 --> 0:25:09.000
<v Speaker 1>have like a sugar tooth. And so at first, the

0:25:09.040 --> 0:25:12.760
<v Speaker 1>first couple of days, I was oding on mangos and

0:25:12.800 --> 0:25:15.719
<v Speaker 1>pineapples as like my in between snacks, you know, And

0:25:15.840 --> 0:25:18.080
<v Speaker 1>I saw myself creeping back up in the weight that

0:25:18.119 --> 0:25:21.280
<v Speaker 1>had lost. And after doing some research, I realized that

0:25:21.359 --> 0:25:24.480
<v Speaker 1>mangos in particular have the highest content of like any fruit.

0:25:25.000 --> 0:25:27.760
<v Speaker 1>So basically I'm eating skittles, but healthier skittles, but skittles.

0:25:27.760 --> 0:25:29.840
<v Speaker 1>One the lesson I realized that not that you can't

0:25:29.880 --> 0:25:31.639
<v Speaker 1>have fruit if you're trying to lose weight, but you

0:25:31.760 --> 0:25:34.359
<v Speaker 1>just have to be mindful of how much fruit you

0:25:34.400 --> 0:25:36.520
<v Speaker 1>have if you're trying to lose weight. So it was,

0:25:36.600 --> 0:25:39.399
<v Speaker 1>just like I said, eye opening. And I've lost about

0:25:39.440 --> 0:25:41.880
<v Speaker 1>eight pounds, and for the first time in a long time,

0:25:41.960 --> 0:25:44.359
<v Speaker 1>I see a seven on the scale, one seventy something,

0:25:44.440 --> 0:25:46.960
<v Speaker 1>I'm like, WHOA. So I really think by next by

0:25:46.960 --> 0:25:49.680
<v Speaker 1>the end of next month, I'll be at my I'll

0:25:49.720 --> 0:25:52.040
<v Speaker 1>be at my goal weight, which is really just the

0:25:52.040 --> 0:25:54.199
<v Speaker 1>way I've always been, which is like I like, you know,

0:25:54.240 --> 0:25:56.560
<v Speaker 1>I'm never I don't diver since high school. Me I

0:25:56.600 --> 0:25:57.920
<v Speaker 1>was a skinny mini in high school. But I don't

0:25:57.920 --> 0:25:59.240
<v Speaker 1>want to go back there. I just want to be

0:25:59.280 --> 0:26:02.640
<v Speaker 1>what I call right sized tip, which is like not

0:26:02.760 --> 0:26:05.880
<v Speaker 1>super thick, not super skinny, just someplace in between where

0:26:06.040 --> 0:26:08.399
<v Speaker 1>basically like an eight for like for my height, like

0:26:08.400 --> 0:26:10.040
<v Speaker 1>an eight ten. You know, I feel like I feel

0:26:10.040 --> 0:26:12.879
<v Speaker 1>comfortable in that. And right now I'm more like I

0:26:12.880 --> 0:26:16.320
<v Speaker 1>would say, like a twelve, twelve fourteen, probably closer to

0:26:16.320 --> 0:26:17.680
<v Speaker 1>a twelve now that I've lost some of the weight,

0:26:18.800 --> 0:26:20.280
<v Speaker 1>but yeah, I like it. And then I'm gonna get

0:26:20.280 --> 0:26:22.600
<v Speaker 1>back in the gym, get back working out I did

0:26:22.600 --> 0:26:25.400
<v Speaker 1>give get a fitbit to start walking, and it does

0:26:25.520 --> 0:26:29.400
<v Speaker 1>encourage me to walk more. I was surprised. How how

0:26:29.480 --> 0:26:31.159
<v Speaker 1>because you can you could tie in your fitbit to

0:26:31.160 --> 0:26:33.199
<v Speaker 1>your weight Watchers app, so you can well they call

0:26:33.240 --> 0:26:35.200
<v Speaker 1>a WW I guess people don't like the name weight Watchers.

0:26:35.200 --> 0:26:36.960
<v Speaker 1>I'm like, I could care less, but you could tie

0:26:37.000 --> 0:26:38.760
<v Speaker 1>it in so you can see how active you are.

0:26:39.359 --> 0:26:42.160
<v Speaker 2>Yeah, because now dj kal it is like a weight

0:26:42.200 --> 0:26:44.360
<v Speaker 2>Watcher spokesperson, so he had to make it cool.

0:26:44.880 --> 0:26:47.959
<v Speaker 1>Yes, I know. So yeah, like I said, I just

0:26:48.359 --> 0:26:49.840
<v Speaker 1>I like it so but you didn't like it when

0:26:49.880 --> 0:26:51.120
<v Speaker 1>you tried it, that's my boost.

0:26:51.440 --> 0:26:53.560
<v Speaker 2>No I did. I just fell off for whatever reason.

0:26:54.520 --> 0:26:56.200
<v Speaker 2>I think it was just so easy that I was like,

0:26:56.240 --> 0:26:59.000
<v Speaker 2>I don't need this anymore. I don't know, I went

0:26:59.040 --> 0:27:01.320
<v Speaker 2>through a lot this year's so, but I did like it.

0:27:01.440 --> 0:27:03.879
<v Speaker 2>It was definitely easy. I wasn't sure if it was

0:27:03.920 --> 0:27:05.639
<v Speaker 2>worth paying for it. I think at the time, I

0:27:05.640 --> 0:27:07.920
<v Speaker 2>think you said it was like seventeen dollars a month

0:27:08.000 --> 0:27:10.440
<v Speaker 2>or something like that. And then when I stopped using

0:27:10.440 --> 0:27:12.399
<v Speaker 2>the app because you add up like the three whatever

0:27:12.560 --> 0:27:14.200
<v Speaker 2>times four weeks or whatever.

0:27:15.240 --> 0:27:16.719
<v Speaker 1>Yeah, and I just like let it. I just let

0:27:16.760 --> 0:27:17.400
<v Speaker 1>it drop off.

0:27:17.480 --> 0:27:20.439
<v Speaker 2>But I do think it's it's good to like be

0:27:20.520 --> 0:27:23.120
<v Speaker 2>disappointed and it sounds like you use the app way

0:27:23.160 --> 0:27:26.160
<v Speaker 2>better than I ever did for everybody.

0:27:26.200 --> 0:27:29.120
<v Speaker 1>Like I'm just think that it's funny because like now

0:27:29.200 --> 0:27:31.399
<v Speaker 1>everybody's like just signed up for like I've been like

0:27:31.520 --> 0:27:34.840
<v Speaker 1>singing it. My sister called me WW. Whenever I tell her, like,

0:27:34.840 --> 0:27:38.360
<v Speaker 1>who I left the other town, She's like, okay, WW

0:27:38.520 --> 0:27:41.880
<v Speaker 1>hashtag a hashtag WW ambassador. She's like she's like, girl,

0:27:41.920 --> 0:27:44.600
<v Speaker 1>you could you make me want to sign up? So

0:27:44.600 --> 0:27:46.440
<v Speaker 1>so it's just fun to like for my friends that

0:27:46.480 --> 0:27:47.960
<v Speaker 1>have sign up along. We have like a group chat

0:27:48.000 --> 0:27:49.600
<v Speaker 1>now and I'm like, oh, what are you guys eating

0:27:49.640 --> 0:27:51.960
<v Speaker 1>for dinner? How many points is that? And we all

0:27:52.080 --> 0:27:53.560
<v Speaker 1>we want to go see my dad this weekend from

0:27:53.600 --> 0:27:55.639
<v Speaker 1>Memorial Day and I'll hang out because my mom is

0:27:55.680 --> 0:27:59.159
<v Speaker 1>in Chicago. I'm helping my sister out with her new baby.

0:27:59.560 --> 0:28:01.720
<v Speaker 1>And so we all like went and had like a

0:28:01.720 --> 0:28:04.360
<v Speaker 1>barbecue with them. It was nice with the kids and

0:28:04.920 --> 0:28:07.119
<v Speaker 1>we were all like counting points. They're like they're like,

0:28:07.200 --> 0:28:09.159
<v Speaker 1>let me see your app, let me scan that. What

0:28:09.560 --> 0:28:11.200
<v Speaker 1>Like it was just shocking to see, like what's what

0:28:11.320 --> 0:28:11.520
<v Speaker 1>you know?

0:28:12.119 --> 0:28:13.560
<v Speaker 2>How many you like it? It was a hot dog.

0:28:13.600 --> 0:28:16.000
<v Speaker 2>It's all I've been craving lately. Is like some hot dog.

0:28:16.680 --> 0:28:18.560
<v Speaker 1>I used to love a good hot dog, but I

0:28:18.560 --> 0:28:21.080
<v Speaker 1>don't you know what if it's charred just right on

0:28:21.119 --> 0:28:23.879
<v Speaker 1>the on the outside, I guess, let me see, how

0:28:23.880 --> 0:28:24.920
<v Speaker 1>many points is the hot dog?

0:28:25.200 --> 0:28:27.480
<v Speaker 2>Well I've been using. I mean, we didn't stop talking

0:28:27.480 --> 0:28:30.440
<v Speaker 2>about our diets, but like, yeah, I use chicken dogs

0:28:30.480 --> 0:28:32.479
<v Speaker 2>instead of because I had less sodium, because I need

0:28:32.520 --> 0:28:35.159
<v Speaker 2>to watch my sodium. But shout out to you, my

0:28:35.200 --> 0:28:37.879
<v Speaker 2>boos is real, real quick because I'm closing out mental

0:28:37.880 --> 0:28:40.800
<v Speaker 2>health awareness months. Is this is the end. By the

0:28:40.800 --> 0:28:42.400
<v Speaker 2>time we talk to you guys next week, it will

0:28:42.440 --> 0:28:45.280
<v Speaker 2>be over. I mean, obviously, I hope people continue being

0:28:45.280 --> 0:28:47.440
<v Speaker 2>concerned about their mental health. But for me, the big

0:28:47.520 --> 0:28:50.240
<v Speaker 2>change I made was that I started to walk during

0:28:50.320 --> 0:28:52.760
<v Speaker 2>my conference calls. Like during the day, I would pick

0:28:52.880 --> 0:28:54.800
<v Speaker 2>one of my one or two calls, sometimes back to

0:28:54.840 --> 0:28:56.160
<v Speaker 2>back calls, and then I would go for a walk

0:28:56.240 --> 0:28:59.120
<v Speaker 2>in the park while I listened in. And my average

0:28:59.160 --> 0:29:02.280
<v Speaker 2>step count for May is like twice as much as

0:29:02.280 --> 0:29:04.920
<v Speaker 2>it had as it was going back to like March,

0:29:04.960 --> 0:29:08.720
<v Speaker 2>I'm doing close tonight to day yeah, And I haven't

0:29:08.760 --> 0:29:11.760
<v Speaker 2>been weighing myself. I've just been like focusing on part

0:29:11.760 --> 0:29:14.440
<v Speaker 2>of my mental health is not being so shitty to

0:29:14.480 --> 0:29:17.680
<v Speaker 2>myself about my weight. But I've just been like, yeah,

0:29:17.720 --> 0:29:20.040
<v Speaker 2>I feel a lot better. And I obviously, now that

0:29:20.080 --> 0:29:22.960
<v Speaker 2>I have my dog, getting steps in, you know, is

0:29:23.400 --> 0:29:25.480
<v Speaker 2>a lot easier. I have more incentive to get out

0:29:25.480 --> 0:29:29.120
<v Speaker 2>there and exercise. And we walked like eight miles in

0:29:29.160 --> 0:29:31.840
<v Speaker 2>two days this weekend. We a lot of a lot

0:29:31.840 --> 0:29:34.480
<v Speaker 2>of activity and just walking and walking and walking. And

0:29:34.840 --> 0:29:36.320
<v Speaker 2>I haven't been going to the gym or anything like

0:29:36.320 --> 0:29:38.800
<v Speaker 2>that because I found with my new commute and my

0:29:38.880 --> 0:29:41.480
<v Speaker 2>new schedule, just working in the gym just stressed me

0:29:41.520 --> 0:29:44.959
<v Speaker 2>out more than I thought it was benefiting me. So

0:29:45.480 --> 0:29:47.640
<v Speaker 2>adding like doing all this extra walking. And it's not

0:29:47.720 --> 0:29:49.520
<v Speaker 2>like I do one big walk a day. I do

0:29:49.640 --> 0:29:52.800
<v Speaker 2>like I walk Mollie. We do one mile in the morning,

0:29:52.840 --> 0:29:55.520
<v Speaker 2>and then I probably walk two miles over the course

0:29:55.560 --> 0:29:57.440
<v Speaker 2>of my commute, and then during the day when I'm

0:29:57.440 --> 0:30:00.120
<v Speaker 2>walking around the park like a crazy person, and and

0:30:00.320 --> 0:30:03.280
<v Speaker 2>after work while I'm walk Molly for another mile. So

0:30:03.360 --> 0:30:05.440
<v Speaker 2>I try to do like at least four miles a day.

0:30:06.080 --> 0:30:09.120
<v Speaker 2>And yeah, it's been it's been good. And I don't

0:30:09.200 --> 0:30:11.520
<v Speaker 2>use a fitbit because I just started using my phone,

0:30:12.080 --> 0:30:14.920
<v Speaker 2>like the health app on my iPhone, and I don't

0:30:14.920 --> 0:30:16.760
<v Speaker 2>know if it's as accurate as a fitbit, but I'm like,

0:30:16.840 --> 0:30:20.240
<v Speaker 2>you know, it's it's good enough. So I'm pretty happy

0:30:20.240 --> 0:30:23.719
<v Speaker 2>with that, and I'm going to continue doing the walking.

0:30:23.760 --> 0:30:25.760
<v Speaker 2>I think it it's a lot easier now that it's

0:30:25.840 --> 0:30:27.640
<v Speaker 2>nicer weather, but I'll see if I can continue it

0:30:27.680 --> 0:30:29.600
<v Speaker 2>even through the winter.

0:30:30.400 --> 0:30:32.480
<v Speaker 1>Good And honestly, that's what that's really what it's about,

0:30:32.520 --> 0:30:35.480
<v Speaker 1>you really, I mean, aside from like you know, I'm like, okay,

0:30:35.560 --> 0:30:37.200
<v Speaker 1>let me, you know, bring down this weak just so

0:30:37.200 --> 0:30:39.600
<v Speaker 1>I can be like normal size for myself. But really,

0:30:39.680 --> 0:30:42.440
<v Speaker 1>I just really want to engage in. What I like

0:30:42.480 --> 0:30:47.000
<v Speaker 1>about it is healthier eating because sometimes you feel like, oh,

0:30:47.040 --> 0:30:49.640
<v Speaker 1>I know what I'm doing, you know, but sometimes you

0:30:49.640 --> 0:30:52.080
<v Speaker 1>don't realize because sometimes I see something in Hope foods

0:30:52.080 --> 0:30:53.680
<v Speaker 1>and I just assume, like, well, it's here, it must

0:30:53.720 --> 0:30:56.239
<v Speaker 1>be healthy. And so that's what's helped a lot too.

0:30:56.240 --> 0:30:59.480
<v Speaker 1>And it's funny because my one of my sisters got

0:30:59.480 --> 0:31:01.640
<v Speaker 1>it in because her one of her kids, she's like

0:31:01.680 --> 0:31:04.920
<v Speaker 1>doesn't eat like enough. She feels like. So she was like,

0:31:04.960 --> 0:31:07.440
<v Speaker 1>it's her way of scanning to see like what secret

0:31:07.440 --> 0:31:10.640
<v Speaker 1>facts she could slip into his meal, you know. So

0:31:10.680 --> 0:31:13.200
<v Speaker 1>she's like, ooh, yes, nice and fatty, because there are

0:31:13.200 --> 0:31:16.680
<v Speaker 1>certain things that seem like you know, low, you know,

0:31:16.840 --> 0:31:18.440
<v Speaker 1>car or stuff that he likes, you know, because he's

0:31:18.520 --> 0:31:20.840
<v Speaker 1>very picky eater. So she'll slip, slip and slipping and

0:31:20.880 --> 0:31:23.160
<v Speaker 1>be like, oh wait this, you know this brand of

0:31:23.240 --> 0:31:26.680
<v Speaker 1>whatever kids chips is is actually you know, it has

0:31:26.800 --> 0:31:29.720
<v Speaker 1>more whatever fat content or whatever it is you're looking

0:31:29.760 --> 0:31:32.080
<v Speaker 1>for than this brand. So she's been using, she's been

0:31:32.080 --> 0:31:36.360
<v Speaker 1>reverse engineering it so he gets enough. But yeah, I

0:31:36.440 --> 0:31:40.040
<v Speaker 1>just think that overall, ultimately, the only way that you

0:31:40.080 --> 0:31:42.800
<v Speaker 1>maintain wherever you want to be is to is for

0:31:42.880 --> 0:31:45.400
<v Speaker 1>it to be a normal process that you're not you're

0:31:45.440 --> 0:31:49.160
<v Speaker 1>not doing something dramatic, because it's very hard to keep

0:31:49.200 --> 0:31:51.000
<v Speaker 1>that up. You know, you might stay good for a

0:31:51.040 --> 0:31:52.960
<v Speaker 1>little bit and then and then fall off. And so

0:31:53.280 --> 0:31:55.760
<v Speaker 1>even for the exercise part, I actually do like walking,

0:31:56.080 --> 0:31:58.520
<v Speaker 1>and so it's something that I said, Okay, I started

0:31:58.560 --> 0:32:01.000
<v Speaker 1>to incorporate that as well. I'm like, Tiffany, you know,

0:32:01.160 --> 0:32:03.120
<v Speaker 1>I'm not gonna lie. I don't like the jam, you know,

0:32:03.320 --> 0:32:07.480
<v Speaker 1>and so, but I do enjoy walking and I can

0:32:07.520 --> 0:32:09.200
<v Speaker 1>do like a lot of my calls with my team

0:32:09.240 --> 0:32:11.480
<v Speaker 1>while I'm walking. And so I told myself, Okay, we'll

0:32:11.480 --> 0:32:13.160
<v Speaker 1>get up in the morning, throw on your tights or

0:32:13.200 --> 0:32:15.720
<v Speaker 1>your sweats or whatever, head to the park that's literally

0:32:15.720 --> 0:32:18.360
<v Speaker 1>five minutes away, and take your next two hours worth

0:32:18.360 --> 0:32:21.600
<v Speaker 1>of calls walking, you know, and so like, those are

0:32:21.600 --> 0:32:23.040
<v Speaker 1>the kind of things I want to incorporate into my

0:32:23.120 --> 0:32:25.200
<v Speaker 1>day to day life. So yay for fitness for both

0:32:25.240 --> 0:32:26.400
<v Speaker 1>of us. For healthy lives.

0:32:26.720 --> 0:32:29.120
<v Speaker 2>Yeah, and Mental Health Awareness month. Do you guys have

0:32:29.240 --> 0:32:31.560
<v Speaker 2>any ideas or any you want to share, any any

0:32:31.560 --> 0:32:33.840
<v Speaker 2>ways that you've been investing in mental health this month?

0:32:34.200 --> 0:32:35.680
<v Speaker 2>Shoot us a no. You can hit us up on

0:32:35.800 --> 0:32:39.000
<v Speaker 2>Instagram where Brand Ambition Podcast, or you can email us

0:32:39.000 --> 0:32:45.640
<v Speaker 2>at Brand Ambition Podcast at gmail dot com. Speaking of

0:32:45.680 --> 0:32:47.000
<v Speaker 2>our email and how to get in touch with us.

0:32:47.040 --> 0:32:51.240
<v Speaker 2>You want to do some questions? Yes, please, good questions.

0:32:51.280 --> 0:32:53.080
<v Speaker 2>I managed to get one off the GRAMD. Thank you

0:32:53.120 --> 0:32:55.160
<v Speaker 2>guys for sending us questions on the gram Remember we

0:32:55.280 --> 0:32:58.400
<v Speaker 2>can't see after twenty four hours when you tag us

0:32:58.400 --> 0:33:01.680
<v Speaker 2>in questions and your stories you've been doing that. Sorry,

0:33:01.760 --> 0:33:04.640
<v Speaker 2>I don't see those unless I happen to check within

0:33:04.720 --> 0:33:07.320
<v Speaker 2>twenty four hours. And the other part of my Mental

0:33:07.360 --> 0:33:09.880
<v Speaker 2>Health Awareness Month goal was to not be on Instagram,

0:33:10.040 --> 0:33:12.800
<v Speaker 2>so I haven't seen them, but you can send us

0:33:12.800 --> 0:33:16.320
<v Speaker 2>a DM directly. Anybody can, and I've been checking those.

0:33:16.400 --> 0:33:20.400
<v Speaker 2>So I got a couple of questions. First question from

0:33:21.000 --> 0:33:25.440
<v Speaker 2>Instagram user real Alisha. I think that's what us, says

0:33:25.480 --> 0:33:29.360
<v Speaker 2>Real Alisha. Alicia says, I know Tiff has raved about

0:33:29.440 --> 0:33:32.720
<v Speaker 2>ally savings account and I just closed my Barclays account

0:33:32.800 --> 0:33:36.480
<v Speaker 2>for Ally. I have two checking accounts now, one with

0:33:36.600 --> 0:33:40.920
<v Speaker 2>a USAA and a local credit union, which both have

0:33:41.000 --> 0:33:44.200
<v Speaker 2>savings accounts attached that I don't use due to the

0:33:44.240 --> 0:33:48.040
<v Speaker 2>trash interest rates. I also have a net spend checking

0:33:48.040 --> 0:33:50.760
<v Speaker 2>and savings account that I do use via an old

0:33:50.800 --> 0:33:54.240
<v Speaker 2>employer for my side hustle funds. And your guys's opinion,

0:33:54.280 --> 0:33:56.280
<v Speaker 2>do you think I have my eggs in too many baskets?

0:33:56.320 --> 0:33:58.440
<v Speaker 2>So basically, does she have too many checking accounts and

0:33:58.440 --> 0:34:02.000
<v Speaker 2>savings accounts? I want a CD and I plan on

0:34:02.080 --> 0:34:04.800
<v Speaker 2>going with who has the best rate. But do you

0:34:04.840 --> 0:34:07.000
<v Speaker 2>think I should just choose among the companies that I'm

0:34:07.000 --> 0:34:10.759
<v Speaker 2>already doing business with? Alicia? I feel you on this

0:34:10.880 --> 0:34:13.520
<v Speaker 2>because I am a woman of many banks as well.

0:34:13.600 --> 0:34:16.960
<v Speaker 1>Yes, as am I, Yeah, and it's right.

0:34:16.960 --> 0:34:18.879
<v Speaker 2>I mean the advice is always go with the best rate,

0:34:18.920 --> 0:34:20.799
<v Speaker 2>but at the end of the day, like that bank

0:34:20.840 --> 0:34:22.520
<v Speaker 2>may have the best rate on CDs, but that big

0:34:22.560 --> 0:34:24.319
<v Speaker 2>bank may have the best rate on savings, and then

0:34:24.320 --> 0:34:26.239
<v Speaker 2>that bank may have your retirement fund, and then you

0:34:26.239 --> 0:34:30.400
<v Speaker 2>feel like you have seventy eleven different accounts and your

0:34:30.400 --> 0:34:33.040
<v Speaker 2>money all over the place. If you have the you know,

0:34:33.080 --> 0:34:35.799
<v Speaker 2>if you have the patience and it doesn't stress you out,

0:34:35.800 --> 0:34:37.400
<v Speaker 2>and you get one of those apps where you can

0:34:37.440 --> 0:34:40.040
<v Speaker 2>see all your accounts in one place, like a Mint

0:34:40.120 --> 0:34:42.680
<v Speaker 2>app or Personal Capital, those can help you at least

0:34:42.680 --> 0:34:44.760
<v Speaker 2>feel like you have a bird's eye view of everything.

0:34:45.280 --> 0:34:48.080
<v Speaker 2>I highly recommend that I use Personal Capital personally. I've

0:34:48.120 --> 0:34:51.279
<v Speaker 2>used Mint before. They're both fine. I mean, there's a

0:34:51.280 --> 0:34:54.680
<v Speaker 2>reason Mint's been around forever, right, So I would suggest

0:34:54.800 --> 0:34:56.239
<v Speaker 2>using one of those apps. I mean, I don't want

0:34:56.280 --> 0:34:59.120
<v Speaker 2>to say don't shop around for the best rates, especially

0:34:59.120 --> 0:35:02.120
<v Speaker 2>when you're talking about your long term savings like your

0:35:02.160 --> 0:35:05.040
<v Speaker 2>CDs and even your emergency fund. You definitely want to

0:35:05.040 --> 0:35:08.640
<v Speaker 2>get the best rates. And yeah, sometimes you won't find

0:35:09.680 --> 0:35:13.279
<v Speaker 2>all the best rates in one bank, which can make

0:35:13.320 --> 0:35:16.200
<v Speaker 2>it a little difficult to juggle, but it's not necessarily

0:35:16.280 --> 0:35:18.160
<v Speaker 2>a bad thing. It's only bad if you get stressed

0:35:18.160 --> 0:35:19.399
<v Speaker 2>out and you can't manage it all.

0:35:20.080 --> 0:35:21.879
<v Speaker 1>Yeah, and that's what I would say too, like, yeah,

0:35:21.880 --> 0:35:23.920
<v Speaker 1>I like. The only thing I don't like about personal

0:35:23.920 --> 0:35:27.160
<v Speaker 1>capital is that, I mean, you might not have this problem,

0:35:27.160 --> 0:35:31.440
<v Speaker 1>but I have my business accounts and my personal accounts

0:35:31.480 --> 0:35:34.600
<v Speaker 1>at this one bank. I have two banks, so I

0:35:34.600 --> 0:35:36.759
<v Speaker 1>have my savings at my ally account, but then my

0:35:37.160 --> 0:35:39.759
<v Speaker 1>business and personal account like at a big bank, and

0:35:39.960 --> 0:35:44.759
<v Speaker 1>personal capital can't distinguish. So they're like, woo, Tiffany, you

0:35:44.840 --> 0:35:48.280
<v Speaker 1>have three hundred thous And now I'm like, I don't.

0:35:49.040 --> 0:35:50.400
<v Speaker 2>Oh, I see what you're saying.

0:35:50.560 --> 0:35:53.040
<v Speaker 1>Yeah, so, and I called them to act. They're like,

0:35:53.080 --> 0:35:54.480
<v Speaker 1>how you liking because I think when you sign up,

0:35:54.480 --> 0:35:56.520
<v Speaker 1>they call and reach out to you, you know, like

0:35:56.560 --> 0:35:58.399
<v Speaker 1>it's kind of like a follow up. And I'm like, yeah,

0:35:58.440 --> 0:36:00.720
<v Speaker 1>it looks like I'm way richer than I am because

0:36:01.080 --> 0:36:04.480
<v Speaker 1>all five businesses, including Brown Ambition, are contributing to my

0:36:05.120 --> 0:36:08.520
<v Speaker 1>great wealth that you're touting. But that's not all me,

0:36:08.719 --> 0:36:10.600
<v Speaker 1>you know. So that's the only thing that I can't

0:36:10.600 --> 0:36:12.279
<v Speaker 1>get an accurate read at where I am and with

0:36:12.320 --> 0:36:14.960
<v Speaker 1>my So I mean, but if you're not, if you

0:36:14.960 --> 0:36:17.000
<v Speaker 1>don't have a mix like I do, then you'll be

0:36:17.520 --> 0:36:20.920
<v Speaker 1>You'll be fine. And but yeah, having multiple accounts as

0:36:20.920 --> 0:36:22.440
<v Speaker 1>fine as long as, like Mandy said, you can keep

0:36:22.520 --> 0:36:25.360
<v Speaker 1>up with them. Sometimes you know, just audit. Like today,

0:36:25.480 --> 0:36:27.239
<v Speaker 1>I was talking to Superman and he was like, why

0:36:27.239 --> 0:36:29.439
<v Speaker 1>do we have this joint We've got like two joint

0:36:29.480 --> 0:36:31.400
<v Speaker 1>checking accounts and I can't remember why we opened the

0:36:31.400 --> 0:36:34.040
<v Speaker 1>second one, and I was like, why do we have it?

0:36:34.080 --> 0:36:37.040
<v Speaker 1>So today because I think we had like twenty bucks

0:36:37.120 --> 0:36:40.400
<v Speaker 1>in it at one point, and and then today I

0:36:40.480 --> 0:36:42.479
<v Speaker 1>just got a message saying and went to zero because

0:36:42.480 --> 0:36:45.160
<v Speaker 1>of the last two months. My bank takes ten bucks

0:36:45.239 --> 0:36:48.240
<v Speaker 1>a month, you know, as it's fee, And I was like, wait,

0:36:48.480 --> 0:36:50.799
<v Speaker 1>we don't even use it, so I canceled it today.

0:36:50.800 --> 0:36:54.040
<v Speaker 1>So there's nothing wrong with having them auditing and canceling

0:36:54.080 --> 0:36:55.200
<v Speaker 1>when you decide you don't need it.

0:36:55.760 --> 0:36:57.759
<v Speaker 2>Yeah, one hundred percent. I mean, when you close the

0:36:57.800 --> 0:36:59.960
<v Speaker 2>bank account, it will show up on your check system

0:37:00.200 --> 0:37:03.600
<v Speaker 2>report and check system is basically the checking the bank

0:37:03.640 --> 0:37:07.480
<v Speaker 2>account version of a credit report. But you know, opening

0:37:07.520 --> 0:37:11.520
<v Speaker 2>and closing a bunch of bank accounts can potentially make

0:37:11.560 --> 0:37:14.439
<v Speaker 2>it harder for you to get approved for a checking

0:37:14.480 --> 0:37:16.719
<v Speaker 2>account or a bank account in the future. But yeah,

0:37:16.760 --> 0:37:18.719
<v Speaker 2>once in a while, closing an account, that's just a

0:37:18.760 --> 0:37:20.759
<v Speaker 2>part of life and you shouldn't worry about doing that.

0:37:22.480 --> 0:37:24.840
<v Speaker 2>I will see there reminded me that I have a

0:37:24.880 --> 0:37:27.400
<v Speaker 2>couple of different checking accounts. I have this old Capital

0:37:27.440 --> 0:37:29.200
<v Speaker 2>one account that I used to have Capital one three

0:37:29.280 --> 0:37:31.160
<v Speaker 2>sixty but then ally got so much better that I

0:37:31.160 --> 0:37:35.279
<v Speaker 2>stopped using it. Sure enough, there was some old I

0:37:35.360 --> 0:37:37.160
<v Speaker 2>must have had some bill I forget what it is

0:37:37.200 --> 0:37:39.000
<v Speaker 2>now that got charged to that account, and It's been

0:37:39.120 --> 0:37:42.000
<v Speaker 2>years since I've touched that account, probably and it overdrew

0:37:42.040 --> 0:37:43.839
<v Speaker 2>my account, and I was like, oh damn. So you

0:37:43.840 --> 0:37:45.480
<v Speaker 2>have to watch out for that kind of stuff, you know,

0:37:45.560 --> 0:37:47.200
<v Speaker 2>make sure that if you're going to stop using an

0:37:47.239 --> 0:37:49.359
<v Speaker 2>account and just let it sit there, that you don't

0:37:49.360 --> 0:37:52.840
<v Speaker 2>have any any bills, you know, pulling from that account,

0:37:52.880 --> 0:37:55.720
<v Speaker 2>and then yeah, that it's safe. And that's why personal

0:37:55.719 --> 0:37:57.839
<v Speaker 2>capital or like another or a mint or something can

0:37:57.880 --> 0:37:59.560
<v Speaker 2>be good too, because then you can see all in

0:37:59.560 --> 0:38:01.560
<v Speaker 2>one place. I was able to tell that I had

0:38:01.600 --> 0:38:03.839
<v Speaker 2>an overdraft. I'm not logging into Capital one every day,

0:38:04.040 --> 0:38:05.759
<v Speaker 2>but I could tell that I got I had that

0:38:05.920 --> 0:38:09.920
<v Speaker 2>overdraft fee or in non sufficient funds fee because I

0:38:10.120 --> 0:38:13.360
<v Speaker 2>was getting like all my accounts in one place, which

0:38:13.560 --> 0:38:18.279
<v Speaker 2>is helpful. All right, thanks for your question, Alicia from

0:38:18.280 --> 0:38:23.040
<v Speaker 2>the GRAM, And we have another question from listener Jasmine.

0:38:23.520 --> 0:38:26.040
<v Speaker 2>Jasmine has a question about for one K. She says

0:38:27.000 --> 0:38:30.840
<v Speaker 2>about the terminology quote unquote maxing out four one k's

0:38:30.920 --> 0:38:34.720
<v Speaker 2>or any other financial vehicles before preparing to invest. She says,

0:38:34.760 --> 0:38:36.879
<v Speaker 2>how does one know when they've maxed out on their

0:38:36.920 --> 0:38:40.080
<v Speaker 2>four oh one K or IRA accounts before embarking on

0:38:40.120 --> 0:38:43.880
<v Speaker 2>their investment journey? Good question, you know, because they don't

0:38:43.920 --> 0:38:45.879
<v Speaker 2>tell you. You don't get a certificate in the mail

0:38:46.000 --> 0:38:50.360
<v Speaker 2>like congratulations you max at your four one K stop.

0:38:52.080 --> 0:38:54.560
<v Speaker 2>I realized that last year they don't like you have

0:38:54.600 --> 0:38:57.759
<v Speaker 2>to really watch it yourself. And it's important because you

0:38:57.800 --> 0:38:59.920
<v Speaker 2>know there's limits on So for four on one K,

0:39:00.600 --> 0:39:03.360
<v Speaker 2>let me not misquote myself, but let me google it

0:39:03.360 --> 0:39:06.839
<v Speaker 2>real quick to be sure I get the limits right. Okay, good,

0:39:06.880 --> 0:39:10.400
<v Speaker 2>all right, So for twenty nineteen, the contribution limit for

0:39:10.520 --> 0:39:13.320
<v Speaker 2>a regular four to one K is nineteen thousand dollars

0:39:13.920 --> 0:39:18.239
<v Speaker 2>and for an IRA, which is like an individual retirement

0:39:18.280 --> 0:39:21.520
<v Speaker 2>account that is six thousand dollars for the tax year

0:39:21.640 --> 0:39:24.120
<v Speaker 2>twenty nineteen. So if you go over that amount, you

0:39:24.160 --> 0:39:26.520
<v Speaker 2>could be liable for tax penalties. So you want to

0:39:26.560 --> 0:39:29.480
<v Speaker 2>be careful if you're you know, fortunate enough to be

0:39:29.480 --> 0:39:31.080
<v Speaker 2>able to put that much money away that you're not

0:39:31.160 --> 0:39:33.839
<v Speaker 2>going over. Yeah, and my financial plan are the only

0:39:33.880 --> 0:39:35.480
<v Speaker 2>way she told me, I need, you know, to check

0:39:35.480 --> 0:39:37.160
<v Speaker 2>that is just to keep tabs on of myself, like

0:39:37.239 --> 0:39:39.719
<v Speaker 2>log in in December and make sure that I'm not

0:39:39.880 --> 0:39:43.880
<v Speaker 2>getting too close to the max and adjust my savings

0:39:43.880 --> 0:39:44.680
<v Speaker 2>if I am.

0:39:45.360 --> 0:39:47.000
<v Speaker 1>Yeah, and then too Like I mean, if you're putting

0:39:47.000 --> 0:39:50.040
<v Speaker 1>the same amount of money every month, you can do

0:39:50.080 --> 0:39:53.719
<v Speaker 1>the math, like six thousand divided by twelve is five

0:39:53.800 --> 0:39:55.560
<v Speaker 1>hundred bucks a month. So if you do five hundred

0:39:55.560 --> 0:39:57.000
<v Speaker 1>bucks a month, you know that you're going to stay

0:39:57.040 --> 0:40:00.600
<v Speaker 1>within what's allotted, you know, assuming you're un the age

0:40:00.600 --> 0:40:02.160
<v Speaker 1>of is it fifty five?

0:40:02.840 --> 0:40:04.920
<v Speaker 2>I think what do you mean for before you can

0:40:04.960 --> 0:40:05.600
<v Speaker 2>make withdrawals?

0:40:05.960 --> 0:40:07.279
<v Speaker 1>No, before you could take you could put it more,

0:40:07.320 --> 0:40:09.279
<v Speaker 1>because I think it's six thousand if you're under fifty five,

0:40:09.280 --> 0:40:10.920
<v Speaker 1>and like sixty five hundred if you're over.

0:40:10.880 --> 0:40:13.560
<v Speaker 2>Oh you right, yeah, catch up contributions. I think you're

0:40:13.600 --> 0:40:14.399
<v Speaker 2>right fifty five.

0:40:15.400 --> 0:40:17.719
<v Speaker 1>So so yeah, so you know during the math, like

0:40:17.800 --> 0:40:19.480
<v Speaker 1>knowing like oh okay, this is what it is, and

0:40:20.400 --> 0:40:22.319
<v Speaker 1>knowing every january, like if you have kind of like

0:40:22.320 --> 0:40:26.200
<v Speaker 1>a financial rehash with yourself every january, it's like, okay,

0:40:26.239 --> 0:40:27.480
<v Speaker 1>some of the things I'm going to look at is

0:40:28.000 --> 0:40:31.120
<v Speaker 1>you know, what's the new amount that I can maximat

0:40:31.120 --> 0:40:34.640
<v Speaker 1>I can contribute to my to my retirement accounts. Let's

0:40:34.680 --> 0:40:37.319
<v Speaker 1>do the math and let's adjust my automatic savor my

0:40:37.360 --> 0:40:39.319
<v Speaker 1>automatic transfers to those accounts.

0:40:40.000 --> 0:40:43.080
<v Speaker 2>That's really smart. I try that, and then once a

0:40:43.160 --> 0:40:44.799
<v Speaker 2>year I feel like I'm like I could use more

0:40:44.800 --> 0:40:46.239
<v Speaker 2>money in the bank this month, and then I just

0:40:46.280 --> 0:40:49.400
<v Speaker 2>like adjusted down a little bit for the month and

0:40:49.400 --> 0:40:50.719
<v Speaker 2>that my numbers were all thrown off.

0:40:51.600 --> 0:40:55.240
<v Speaker 1>Yeah that happens too, But it's always better to under

0:40:55.400 --> 0:40:57.839
<v Speaker 1>underdo it obviously than because you don't want to. Because

0:40:57.840 --> 0:40:59.560
<v Speaker 1>I did that once, I could say that because I

0:40:59.560 --> 0:41:01.760
<v Speaker 1>did that one then I had like a penalty because

0:41:01.760 --> 0:41:05.839
<v Speaker 1>i'd well, because what happened was I was contributing at

0:41:05.880 --> 0:41:10.640
<v Speaker 1>one point as a self employed person, and then I

0:41:10.680 --> 0:41:13.960
<v Speaker 1>became an employee of the budget Nista, and so when

0:41:13.960 --> 0:41:16.160
<v Speaker 1>you contribute as a self employed person, you can contribute

0:41:16.239 --> 0:41:18.680
<v Speaker 1>up to fifty percent, and I forget the amount, the

0:41:18.680 --> 0:41:22.880
<v Speaker 1>actual number amount, and so it was like, you know,

0:41:23.320 --> 0:41:26.360
<v Speaker 1>that was totally different than contributing as an employee. I

0:41:26.400 --> 0:41:32.279
<v Speaker 1>can't contribute up to fifty percent of my income. I mean, like,

0:41:32.320 --> 0:41:35.000
<v Speaker 1>as long as my income is below you know whatever,

0:41:35.080 --> 0:41:38.160
<v Speaker 1>twelve thousand dollars or so, I can Basically I can't.

0:41:38.239 --> 0:41:41.360
<v Speaker 1>You could contribute way more when you are self employed,

0:41:41.360 --> 0:41:43.040
<v Speaker 1>because the assumption is, you know, you have so much

0:41:43.080 --> 0:41:45.120
<v Speaker 1>going on, and you know a lot of your money

0:41:45.160 --> 0:41:47.399
<v Speaker 1>is going back into the business. And so I never

0:41:47.560 --> 0:41:49.719
<v Speaker 1>made the distinction. I don't think I've told at the

0:41:49.719 --> 0:41:53.279
<v Speaker 1>time my financial advisor. Hey, by the way, sidebar, I

0:41:53.320 --> 0:41:55.280
<v Speaker 1>am no longer self employed. I am not an employee

0:41:55.280 --> 0:41:57.759
<v Speaker 1>of the budget Nista. That's why it's important too if

0:41:57.760 --> 0:42:00.000
<v Speaker 1>you have a business that your financial people are talking

0:42:00.160 --> 0:42:02.800
<v Speaker 1>to each other, you know, like that way your financial

0:42:02.840 --> 0:42:04.560
<v Speaker 1>planner is talking to your count and is talking to

0:42:04.600 --> 0:42:09.560
<v Speaker 1>maybe your your bookkeeper or CFO. Because if not, you know,

0:42:09.719 --> 0:42:11.239
<v Speaker 1>I can make a choice. And I don't think it

0:42:11.280 --> 0:42:15.120
<v Speaker 1>means anything, but Carlos my account is like, uh, that's everything,

0:42:15.360 --> 0:42:15.560
<v Speaker 1>you know.

0:42:16.239 --> 0:42:20.600
<v Speaker 2>Okay, thanks for your question, Jasmine, and that's it. If

0:42:20.600 --> 0:42:23.000
<v Speaker 2>you guys want to send us your questions again, you

0:42:23.040 --> 0:42:26.200
<v Speaker 2>can go to Brandabisson podcast dot com and click ask

0:42:26.280 --> 0:42:29.359
<v Speaker 2>us anything, or you can hit us up directly at

0:42:29.360 --> 0:42:33.719
<v Speaker 2>Brandonbision Podcasts at gmail dot com, oh my, or Instagram.

0:42:33.760 --> 0:42:37.200
<v Speaker 2>Brand Ambission Podcast on Instagram. We're also on Facebook. Oh

0:42:37.200 --> 0:42:39.000
<v Speaker 2>I didn't even check Facebook. You might have questions there.

0:42:39.000 --> 0:42:41.760
<v Speaker 2>Maybe I'll get to those next week. Facebook or Brand Ambition.

0:42:42.000 --> 0:42:43.879
<v Speaker 2>I mean, there's a million ways to contact us. It's

0:42:43.880 --> 0:42:46.239
<v Speaker 2>a miracle, y'all. Don't just show up on our doorsteps.

0:42:46.760 --> 0:42:50.239
<v Speaker 2>Yeah right, like excuse me. You probably get that all

0:42:50.239 --> 0:42:50.520
<v Speaker 2>the time.

0:42:50.560 --> 0:42:55.200
<v Speaker 1>Actually well yeah, yeah I do. People will stop me

0:42:55.239 --> 0:42:57.640
<v Speaker 1>in the whole flues like question, you know you're.

0:42:57.600 --> 0:42:59.560
<v Speaker 2>You know, you're like a New Jersey celebrity.

0:43:01.400 --> 0:43:05.480
<v Speaker 1>I'm I'm a new a Newerk local local, uh celebrity

0:43:05.560 --> 0:43:07.560
<v Speaker 1>like hey by Jensta. But it's not even like, you know,

0:43:07.880 --> 0:43:10.080
<v Speaker 1>like the sexy celebrity. We're like ooh girl, can I

0:43:10.080 --> 0:43:13.040
<v Speaker 1>get It's like hey Bajans, so girl, this credit score

0:43:13.080 --> 0:43:16.680
<v Speaker 1>I need, which actually I really love because it means

0:43:16.680 --> 0:43:19.759
<v Speaker 1>that people are opening up about talking about finances, so

0:43:19.880 --> 0:43:20.760
<v Speaker 1>that's always awesome.

0:43:21.160 --> 0:43:22.920
<v Speaker 2>What's new with the budget easteries? I feel like we

0:43:22.960 --> 0:43:25.200
<v Speaker 2>haven't heard an update. What's going on the academy.

0:43:25.800 --> 0:43:27.840
<v Speaker 1>Yeah, the Academy is rocking and rolling. Actually, we just

0:43:27.840 --> 0:43:32.040
<v Speaker 1>open up doors again Literature Academy dot com. Well, actually

0:43:32.160 --> 0:43:35.640
<v Speaker 1>join l RA dot com just to learn more. But yeah,

0:43:35.680 --> 0:43:37.719
<v Speaker 1>it's it's rocking and roller. We open up the doors again.

0:43:37.760 --> 0:43:42.640
<v Speaker 1>I've added something that's going live soon called the Financial

0:43:42.719 --> 0:43:46.680
<v Speaker 1>Freedom Plan because I realize people want handholding from the

0:43:46.840 --> 0:43:49.000
<v Speaker 1>very beginning of the financial journey to the end, and

0:43:49.040 --> 0:43:51.120
<v Speaker 1>that's what the Financial Freedom Plan is. It's like from

0:43:51.160 --> 0:43:54.280
<v Speaker 1>the beginning of money mindset to the end of retirement.

0:43:55.080 --> 0:43:57.800
<v Speaker 1>So that's what made the Academy go from the version

0:43:57.840 --> 0:43:59.880
<v Speaker 1>it was to two point zero. So I'm excited about that.

0:44:01.040 --> 0:44:04.480
<v Speaker 1>My children's book is finally wrapping up as far as

0:44:05.200 --> 0:44:08.560
<v Speaker 1>the like the illustration, so I mean, there's still a

0:44:08.600 --> 0:44:11.200
<v Speaker 1>lot of work to do, like the back cover, inside cover,

0:44:11.640 --> 0:44:14.400
<v Speaker 1>but that's not going to launch until January twenty twenty.

0:44:14.440 --> 0:44:16.320
<v Speaker 1>But I'm just excited to see it come to life.

0:44:16.480 --> 0:44:18.560
<v Speaker 1>There's just something special there. I can feel it.

0:44:18.680 --> 0:44:21.600
<v Speaker 2>Which launch before Christmas. People can get Christmas gifts.

0:44:21.880 --> 0:44:27.600
<v Speaker 1>You know, well, I have a what's the publisher? Yes, no, yes,

0:44:27.640 --> 0:44:30.960
<v Speaker 1>it's a distributor. Yeah, it's a publisher's. But she was

0:44:31.160 --> 0:44:33.239
<v Speaker 1>basically saying, because we went through date, she was like,

0:44:33.280 --> 0:44:35.320
<v Speaker 1>the best dates for children's books are like right before

0:44:35.400 --> 0:44:38.040
<v Speaker 1>like au guests, right before the school year, and surprisingly

0:44:38.120 --> 0:44:43.120
<v Speaker 1>not right before Christmas necessarily, but actually in January. It's

0:44:43.120 --> 0:44:45.000
<v Speaker 1>actually a really great date because let's just say you

0:44:45.000 --> 0:44:47.160
<v Speaker 1>want to let's just say your book is really awesome,

0:44:47.160 --> 0:44:49.360
<v Speaker 1>which I hope mine is, then you want to be

0:44:49.440 --> 0:44:54.600
<v Speaker 1>considered the new hot two thousand or whatever book for

0:44:54.640 --> 0:44:56.799
<v Speaker 1>the full year. Like if I were to launch in

0:44:56.920 --> 0:45:02.240
<v Speaker 1>say November, they would still consider me twenty nineteen book,

0:45:02.320 --> 0:45:04.479
<v Speaker 1>and I wouldn't be eligible for any awards or anything

0:45:04.480 --> 0:45:06.879
<v Speaker 1>else that they might submit me to because those things

0:45:06.880 --> 0:45:08.880
<v Speaker 1>have passed. And I was like, oh it, smarty, haughty.

0:45:09.640 --> 0:45:11.800
<v Speaker 2>I mean, if you want to take the professional publisher's

0:45:11.840 --> 0:45:16.919
<v Speaker 2>advice over mine, that's fine, but you know, good luck

0:45:16.960 --> 0:45:17.960
<v Speaker 2>with this little project.

0:45:19.120 --> 0:45:20.880
<v Speaker 1>So I'm super excited. She was like, that way, tipany

0:45:20.880 --> 0:45:22.719
<v Speaker 1>you know, if people really love the book, then we

0:45:22.760 --> 0:45:25.200
<v Speaker 1>could submit it for like NAACP Award and this award

0:45:25.200 --> 0:45:27.560
<v Speaker 1>and that award, and you know, you have an opportunity

0:45:27.680 --> 0:45:28.840
<v Speaker 1>at least, you know, And I was like, you know,

0:45:28.920 --> 0:45:31.319
<v Speaker 1>that's really smart. And I actually got a book agent too,

0:45:31.400 --> 0:45:34.080
<v Speaker 1>because a couple of like major publishers, I usually always

0:45:34.080 --> 0:45:36.319
<v Speaker 1>say no, but because I usually self published so I

0:45:36.320 --> 0:45:38.600
<v Speaker 1>can keep all the coin. But lately I've been thinking

0:45:38.600 --> 0:45:42.239
<v Speaker 1>I would like to traditionally publish one book, at least

0:45:42.239 --> 0:45:46.120
<v Speaker 1>one book, and so I've been taking those conversations more seriously.

0:45:46.120 --> 0:45:48.080
<v Speaker 1>But I didn't want to do it alone. So Gene Chatsky,

0:45:48.120 --> 0:45:50.359
<v Speaker 1>who you guys have probably seen on the Today Show.

0:45:50.400 --> 0:45:52.719
<v Speaker 1>She's really dope. She's got this book called I Think

0:45:52.719 --> 0:45:56.760
<v Speaker 1>Women in Money that just came out, and she hooked

0:45:56.760 --> 0:45:59.879
<v Speaker 1>me up with her with her book agent, Heather, And honestly, Heather,

0:46:00.040 --> 0:46:06.000
<v Speaker 1>it's awesome. She's cusses and she's dopey. I can tell

0:46:06.000 --> 0:46:08.680
<v Speaker 1>that she is dope and just like you know, like

0:46:09.120 --> 0:46:11.319
<v Speaker 1>a bulldog. And so I'm just really excited to like

0:46:11.400 --> 0:46:13.960
<v Speaker 1>have her on the team to help me navigate the

0:46:14.480 --> 0:46:18.120
<v Speaker 1>process of, like you know, of our traditional publishing. So yeah,

0:46:18.120 --> 0:46:20.000
<v Speaker 1>it's been a lot going on, but more more so

0:46:20.080 --> 0:46:21.600
<v Speaker 1>than anything else, I've been spending a lot more time

0:46:21.640 --> 0:46:23.799
<v Speaker 1>with like my family, which has been really great. That's

0:46:23.800 --> 0:46:27.200
<v Speaker 1>what I wanted really for twenty nineteen is to Yes,

0:46:27.280 --> 0:46:28.960
<v Speaker 1>I want the budget needs to grow, but not to

0:46:29.080 --> 0:46:32.200
<v Speaker 1>be the focus like it normally is. I really want

0:46:32.239 --> 0:46:36.000
<v Speaker 1>to focus on family this year, and so that's what's

0:46:36.000 --> 0:46:38.040
<v Speaker 1>been happening lovely.

0:46:38.480 --> 0:46:40.560
<v Speaker 2>I believe in all the research that says people who

0:46:40.640 --> 0:46:43.359
<v Speaker 2>cause some more successful life. All right, take it to heart.

0:46:43.680 --> 0:46:48.160
<v Speaker 2>Thank you very fucking much. All right with that, that's

0:46:48.200 --> 0:46:51.120
<v Speaker 2>our show. Thank you guys for joining us. Another week

0:46:51.120 --> 0:46:51.840
<v Speaker 2>of browd ambition.

0:46:54.080 --> 0:46:57.040
<v Speaker 1>Yes, it's always been a pleasure. Until next tune.

0:46:57.280 --> 0:46:59.080
<v Speaker 2>Yeah, well, good luck with the house fingers crossed, move

0:46:59.120 --> 0:47:02.680
<v Speaker 2>in moving, Yes, thank you, all right, take care