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Speaker 1: Hey, ba fam, so we need to favor me and Mandra.

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Speaker 1: We need more reviews because it really helps like folks

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Speaker 1: to find us. It helps in the charts and the

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Speaker 1: ratings and all the algorithms and all them things.

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Speaker 2: You know.

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Speaker 1: So if you leave us a review, we might pick

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Speaker 1: it in a read it online. Okay, Manny, do we

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Speaker 1: have a new review that's like, you know, really cute

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Speaker 1: indicative of like how we want to be represented to

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Speaker 1: the world.

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Speaker 3: No pressure, I got a couple of juicy ones actually

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Speaker 3: that just came in this past a week, So thank you,

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Speaker 3: BA fan. Specifically to listener h h Shaw's I've been

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Speaker 3: listening to this podcast for a while and I still

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Speaker 3: make some bad decisions. It's okay, we still love you, h.

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Speaker 3: I always have the voices of Bandy Tiffany in my head,

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Speaker 3: like girl, get it together, you know what to do.

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Speaker 3: Thanks for the amazing advice, encouragement, guests, and so much more.

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Speaker 3: As I'm reading this review, I'm also like, wow, do

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Speaker 3: we not do that great of a job on the show?

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Speaker 3: Don't just take notes use them? Okay, And then listener

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Speaker 3: to says this is a must here podcast, very good advice.

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Speaker 3: I listen every week. All these are actually really nice.

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Speaker 1: Yeah, and so if you want us to read your

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Speaker 1: review and you want us to smile big and cheesy,

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Speaker 1: please leave us a review and share the podcast with

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Speaker 1: the people that you love, even your haters too, because

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Speaker 1: they need some financial education as well. Thanks. Hey, hey,

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Speaker 1: hey we're back.

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Speaker 2: We're black, but.

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Speaker 1: B B B brown.

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Speaker 3: Ambition and ambition and ambition, ambition, and.

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Speaker 1: We got a little we have some vanilla bean brown

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Speaker 1: in the studio today. I was wondering, you know, we know,

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Speaker 1: we think you know, Mandy, we think Wait a minute,

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Speaker 1: will we give you like a like a latte.

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Speaker 3: Let's not start the cast system again, Hey to finis,

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Speaker 3: can we not be seeing in origin like.

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Speaker 1: Mandy's in her winter winter winter color?

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Speaker 3: Yeah, I am. I listen to my Midwestern family. I

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Speaker 3: represent you these minds.

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Speaker 1: You know what. It's so crazy because I was looking

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Speaker 1: at myself in the mirror. I was like, mean, well

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Speaker 1: for me, I'm like, you look so pale. I'm like, God,

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Speaker 1: that's why it's winter.

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Speaker 3: But this is me, this shade, this is the shade

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Speaker 3: that we are right now, and this I will be

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Speaker 3: in about July. Okay, if you're watching on YouTube, I'm

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Speaker 3: holding up my winter in my summer. If you know

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Speaker 3: you know hi, Vivian two.

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Speaker 1: Yes, we have a special guest in the stew today.

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Speaker 1: Her name is Vivian too. And you know you know

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Speaker 1: her because come on, she's your rich bff. You have

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Speaker 1: seen her videos unless you just don't have a cell

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Speaker 1: phone or internet or a computer.

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Speaker 3: Or someone or knows someone who has a phone or

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Speaker 3: an internet or a computer and have no friends.

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Speaker 1: Yes, you know Vivie. So I'm gonna be her official

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Speaker 1: bio and they're gonna introduce her to the stew. So

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Speaker 1: when it came to when, when the burnout came for

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Speaker 1: former JP Morgan trader Vivi to she decided to leave

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Speaker 1: Wall Street for a gig in the media space. But

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Speaker 1: when she did, she took with her her financial savvy

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Speaker 1: that would lead her down an unexpected path, building a

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Speaker 1: career out of offering fun, digestible financial advice on social media.

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Speaker 1: We love her for that. She was always the one

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Speaker 1: that her friends would go to for this sort of help.

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Speaker 1: And so she started. And once you start, Vivian, what

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Speaker 1: year when you started going viral?

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Speaker 4: It was January first of twenty twenty one, very first

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Speaker 4: day of the year.

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Speaker 2: First video went viralva.

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Speaker 1: Went viral love it because she's like, what a winner. Okay,

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Speaker 1: we really realized. She realized how great the need was

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Speaker 1: for financial literacy beyond the big banks. And honestly, we

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Speaker 1: all say this because we got the I think we

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Speaker 1: all got this from Bernard that financial services has been

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Speaker 1: historically mail Pale and stam and these lessons are things

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Speaker 1: that rich dads have been teaching their rich sons on

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Speaker 1: the golf course. This is what Vivian has shared. So

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Speaker 1: Vivian told this is Vivian told Forbes. Right, So she's

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Speaker 1: got three point five million followers that she lovely calls

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Speaker 1: the leftovers.

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Speaker 2: That is not even accurate.

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Speaker 1: I'm going to say, is it up to day now?

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Speaker 1: I was gonna say, I feel like it's more than

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Speaker 1: this now.

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Speaker 2: Yeah, it's closer to six or seven.

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Speaker 1: That's incredible. Okay, I'm a leftover. So it includes women,

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Speaker 1: people of color, and marginalized communities that have not gotten

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Speaker 1: the same level of financial education. You're rich, bff. This

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Speaker 1: is where she comes in. Her goal is to turn

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Speaker 1: finance into a fun nance space. I love that to

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Speaker 1: speak and to speak to those who are seeking financial advice.

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Speaker 1: She has landed partnerships with places like MetLife, r At

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Speaker 1: the Runway, Credit Karma, and Vesco wellth Front, and is

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Speaker 1: now being represented by W M. E. Her first book,

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Speaker 1: which by the way, is a New York Times bestseller.

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Speaker 1: Because of course the.

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Speaker 3: F it is, so what you're saying is you're rich.

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Speaker 5: BFF is rich?

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Speaker 1: Yes, right, rich richf we get it right? So yeah,

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Speaker 1: she and also too left a. She was ranked number

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Speaker 1: fifty on the inaugural Forbes Top Creators List in twenty

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Speaker 1: twenty two. Like, yes, we welcome Vivian two to the

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Speaker 1: stew Bay.

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Speaker 3: You.

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Speaker 2: Thank you guys so much for having me, and I'm

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Speaker 2: so happy to be here.

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Speaker 4: You guys are like old friends. It's been a minute.

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Speaker 4: I haven't seen y'all in a second.

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Speaker 1: I know, well I've met you, Vivian, like for the

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Speaker 1: first time in person on.

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Speaker 2: The White House. I know, humble brag.

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Speaker 1: I mean it was crazy because we were like, a,

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Speaker 1: were we gonna bet the president? We're not, We're not.

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Speaker 1: And then we met the first lady, which I was like,

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Speaker 1: that's more than enough, and then the President we were

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Speaker 1: all like, this is your life? Like it was just insane.

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Speaker 1: So it was a great place to just be Like,

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Speaker 1: I was overwhelmed with the emotion of the grandness of

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Speaker 1: it all. And then I got to meet you, which

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Speaker 1: was so awesome.

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Speaker 4: Yeah, Tiffany was overwhelmed with the emotion of the grandness.

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Speaker 4: I was overwhelmed by the free snacks.

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Speaker 2: No im over here in the back, just trying to eat.

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Speaker 3: Wait, so y'all met at the White House. I met you,

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Speaker 3: Vivian for the first time at the Marshalls. We have

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Speaker 3: a partner and partner in common Marshalls. Ye, I mean

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Speaker 3: that we were on the panel a couple of years.

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Speaker 1: Ago Marshall's I'm Available Marshals say.

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Speaker 4: Mandy was chatting all things career and I was chatting

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Speaker 4: all things money. And it was a summit to actually

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Speaker 4: empower women to make choices that align with their values

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Speaker 4: and you know, essentially put their money where their mouth

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Speaker 4: is and be really, really mindful with their spending.

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Speaker 2: It's cool.

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Speaker 3: And if you want to know how savvy Vivian is,

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Speaker 3: if you didn't already follow her, like we said at

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Speaker 3: that event, I remember being at the table. We had

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Speaker 3: just gotten done, and I was starving and I was

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Speaker 3: eating and like you were gone, and I was like, oh,

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Speaker 3: Vivian left that didn't get to say goodbye, and I'm

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Speaker 3: just eating and then and then and then they me

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Speaker 3: like forty five minutes later, Vivian and whoever your plus

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Speaker 3: one was, you come back your friend, right, you come

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Speaker 3: back in with like loaded down with swag because she

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Speaker 3: was like, oh, I went shopping.

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Speaker 2: Because I didn't Mandy exposing me.

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Speaker 3: Everybody went shopping and I did not get the memo

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Speaker 3: that we could go and like shop from the rack,

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Speaker 3: like just take stuff. And I but I'm like, I

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Speaker 3: should have see when you're with Vivian, just follow her, y'all,

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Speaker 3: but literally, not like on social media, like just follow

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Speaker 3: her around and I feel like you'll just a little tips,

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Speaker 3: like she'll land just like the it's the yellow brick

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Speaker 3: Road personified. It's sort of how I would describe you.

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Speaker 3: So I'm very very happy. And on top of that,

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Speaker 3: you're just a nice, you know, human being. And I

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Speaker 3: think I DMG the other day to let you know

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Speaker 3: that I've been listening to and I was trying to

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Speaker 3: find my stupid notes because I always like to take notes,

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Speaker 3: but I was listening to your podcast, Networth and Chill

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Speaker 3: if we may talk about that, and you were, and

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Speaker 3: I learned about like your background, and I think for

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Speaker 3: for the for the people who only know you from

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Speaker 3: TikTok and haven't really dived deeper, maybe haven't listened to

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Speaker 3: your personal stories on your podcast, tell us introduce yourself

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Speaker 3: and like the Vivian before your rich bff, because you

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Speaker 3: are a favorite Wall Street girly, but you weren't just

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Speaker 3: a Wall Street girly, Like you left Wall Street and

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Speaker 3: then you had this career afterward.

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Speaker 5: I want to hear more about that.

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Speaker 3: So tell the folks what you want them to know

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Speaker 3: about how you got here.

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Speaker 4: Yeah, So, I, like so many people in this country,

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Speaker 4: come from an immigrant background. My parents immigrated to the

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Speaker 4: US from Shanghai in their early twenties. And I love

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Speaker 4: my mom and dad. I hope that they don't hear

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Speaker 4: me say this. They are the best parents.

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Speaker 2: But they are very very frugal, and I.

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Speaker 4: Wouldn't necessarily say that they've been smart with their money.

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Speaker 4: I think the money that they do have a lot

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Speaker 4: of it comes from extreme saving very much the family

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Speaker 4: where like you open like the cookie tin and it's

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Speaker 4: like a sewing kit inside, and like you go to

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Speaker 4: the under the kitchen cabinet like there's just like one

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Speaker 4: random bag that houses all of the other bags, and.

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Speaker 2: Like, you know, you reuse those bags every day as a.

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Speaker 4: Lunch box, and like very you know, almost like down

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Speaker 4: to the tea Chinese, American, Asian tropes.

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Speaker 2: And I think that made me a very.

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Speaker 4: Worried and a very scarce minded kid. It always felt

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Speaker 4: like the other shoe was going to drop. Neither of

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Speaker 4: my parents at the time, especially when I was younger,

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Speaker 4: I would say before high school, neither of them were

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Speaker 4: high earners. So we oftentimes lived in the smallest home

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Speaker 4: or smallest apartment in the school district. And my parents

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Speaker 4: were very, very focused on education because to them it

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Speaker 4: felt like a form of class mobility socioeconomic mobility, So

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Speaker 4: instead of moving into a nicer home, they would move

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Speaker 4: into the smallest home in the nicest school district, right

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Speaker 4: on the edge, right before you got into the other district.

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Speaker 4: And that is how I was able to go to

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Speaker 4: some of the best public schools in the country, and

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Speaker 4: my parents didn't have to pay for that education, but

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Speaker 4: I was able to get you know, a bit of

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Speaker 4: a head start there because I had some really good

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Speaker 4: public schools that I went to, and from there I

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Speaker 4: was told, you know, do the right thing. This is

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Speaker 4: the American dream blueprint, right, you get a grades. I

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Speaker 4: was the valedictorian of my high school. I love to

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Speaker 4: bring this up whenever anybody asks, because it's like my

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Speaker 4: crowning achievement of life.

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Speaker 3: Your parents must have been so proud or were they.

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Speaker 4: Like, Mandy, please, my parents were like, this is your obligation.

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Speaker 1: I was gonna say, Manny, do you know do you

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Speaker 1: know immigrant parents? My parents are Nigerian, which is very

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Speaker 1: similar to that, like like you said, Vivian, super like frugal,

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Speaker 1: but also education is everything. It is the only way

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Speaker 1: out and also too like an A is like I

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Speaker 1: used to my dad would tell me that a B

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Speaker 1: was was no, a C was failing, A B was

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Speaker 1: a C, and A was you better have.

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Speaker 4: I'm sorry, Nigerian parents, you come home with a ninety eight.

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Speaker 4: They're asking you were the other two person?

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Speaker 1: I mean, so I'm feeling right here, Vivid. I'm like, yes,

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Speaker 1: go ahead, continue. So this is what you grew up.

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Speaker 2: So this is how I grew up. But I was

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Speaker 2: a very good student.

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Speaker 4: I ended up getting into the University of Chicago, and

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Speaker 4: the deal that I had made with my parents essentially

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Speaker 4: was like they had been saving and investing their entire

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Speaker 4: lifetimes for one thing, and that was for me to

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Speaker 4: be able to go to school. And when I got

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Speaker 4: into U Chicago, it is one of the most expensive

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Speaker 4: schools in the country, and I was very nervous about this.

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Speaker 4: And fortunately for me, through high school, my family's financial

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Speaker 4: situation improved quite a bit because my mom ended up

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Speaker 4: leaving the pharmaceutical industry. She was like a chemist, a

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Speaker 4: supervisor of a lab, and went into consulting. So then

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Speaker 4: she started consulting for pharmaceutical companies, started making quite a

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Speaker 4: bit more money, and I was able to go to

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Speaker 4: Chicago and they gave me the greatest gift, and we

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Speaker 4: as Americans know this is truly the greatest gift. I

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Speaker 4: graduated without student loans, without student debt.

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Speaker 3: That's what your parents so they were able to. Did

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Speaker 3: you get financial aid at all? So, I mean like

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Speaker 3: real aid, not loans, which they do call aid.

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Speaker 4: So I got fifteen thousand dollars in merit like grants

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Speaker 4: from the school themselves. I believe that was per year,

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Speaker 4: and then I got additional private scholarships, but the remainder,

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Speaker 4: which was still six figures. My parents were able to

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Speaker 4: help pick up, which was wonderful. And I know, you know,

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Speaker 4: I look back on high school and I look back

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Speaker 4: on some of the students that would drive Mercedeses or

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Speaker 4: Audi's or you know, these fancy cars into the parking lot.

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Speaker 4: And I had a beat up and I mean beat up.

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Speaker 4: Sheldon was the best car ever, But Sheldon was on

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Speaker 4: his last legs.

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Speaker 3: Not Sheldon.

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Speaker 4: He was a beat up Honda, a cord with the

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Speaker 4: paint coming off and the headlights like barely worked, so

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Speaker 4: like on rainy days, I was like, I don't know

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Speaker 4: if I should drive the school. But you know, I

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Speaker 4: always thought that, like we just didn't have it like that.

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Speaker 4: But then to hear from some of those peers who

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Speaker 4: drove those types of cars and wore nicer clothes than

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Speaker 4: me and like had more bigger houses whatever. To hear

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Speaker 4: that they were choosing other alternatives to college, you know,

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Speaker 4: doing two years at a community college to then be

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Speaker 4: able to afford to go to the school that they

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Speaker 4: wanted to go to, or choosing their second choice even

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Speaker 4: if they got into their top choice because of pricing.

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Speaker 2: It made me really reevaluate my parents' relationship to money.

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Speaker 4: And instead of like making fun of them, calling them

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Speaker 4: like cheap or whatever, like, I just realized that they

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Speaker 4: had bigger goals, and their goals were very different than

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Speaker 4: some of our neighbors.

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Speaker 2: But I'm at U Chicago.

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Speaker 4: I'm a decent student, but I'm going to be honest you,

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Speaker 4: Chicago is not a Maryland public school. Like everybody at

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Speaker 4: Chicago was their high school valedictorian. I'm certainly not the

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Speaker 4: artest kid in the room. Ever Again, after that moment,

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Speaker 4: I get to junior year and essentially I have no

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Speaker 4: idea what I want to do with my life. But

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Speaker 4: I don't have a trust fund to fall back on.

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Speaker 4: I cannot go spend a year backpacking and figure it out.

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Speaker 2: I got to have a job.

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Speaker 4: So a lot of my friends at the time were

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Speaker 4: interviewing for jobs on Wall Street, and I was like,

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Speaker 4: you know, what, seems as good of an idea as any.

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Speaker 4: There was no real passion. I just wanted to make money.

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Speaker 4: I wanted to live in a cool, fun, sexy city

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Speaker 4: like New York, and I wanted to do the young

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Speaker 4: twenty something thing. So I interviewed ended up getting an

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Speaker 4: internship at JP Morgan on the trading desk, and that

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Speaker 4: summer they hired three interns, myself and two young men,

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Speaker 4: and I was the only one who got a return offer.

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Speaker 4: It was a super cutthroat summer. It was very competitive

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Speaker 4: as always who's in first, who's out last, who's putting

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Speaker 4: out more work product, who's mingling networking more, who's It

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Speaker 4: was always a game of like who could do more

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Speaker 4: with less? And I think that was the first time

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Speaker 4: I ever realized. I was like, I'm just as good

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Speaker 4: as these people sitting around me. I'm just as smart,

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Speaker 4: I can run just as fast, and I can accomplish

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Speaker 4: just as much, even if I don't necessarily look like

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Speaker 4: everybody around me.

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Speaker 1: So what made you decide that? Like, okay, so you

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Speaker 1: go to JP Morgan, You're like, womp, not for me.

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Speaker 4: That's not quite how it works.

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Speaker 2: Yeah.

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Speaker 4: So I got there and I was like, wop, this

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Speaker 4: is definitely for me.

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Speaker 2: I want to be rich.

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Speaker 4: I you know, I find my mentor and she is

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Speaker 4: still my mentor to this day. She's the coolest person

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Speaker 4: I've ever met. She and I wanted to be like

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Speaker 4: her for very shallow reasons. At the beginning, she would

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Speaker 4: click clack in on those marble floors with her like

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Speaker 4: Gucci stilettos, like have a new like Chanel bag on

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Speaker 4: the counter every day. And I was like, I want

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Speaker 4: Gucci stilettos, and I want a new Chanel bag every day,

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Speaker 4: And so I wanted to be like her. But because

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Speaker 4: of her, and because of her explanation to me of like,

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Speaker 4: you can only have these things if you're good with money,

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Speaker 4: I started investing in my four ow and k I

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Speaker 4: started being mindful of, like how long do I have

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Speaker 4: to tough it out here to get a pension? Like,

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Speaker 4: you know, what should I be doing with my exercesse money?

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Speaker 4: Should I budget better?

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Speaker 1: Should I save?

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Speaker 4: Should I be investing outside of this? And I started

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Speaker 4: getting decent with my money. And while that happened a

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Speaker 4: year and a half in the head of my desk,

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Speaker 4: I'll let go. Half the team got fired, new people

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Speaker 4: brought in, and I was assigned to work for somebody else.

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Speaker 2: And that was the beginning of the end.

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Speaker 4: Literally, dun dot like the beginning of the end. And

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Speaker 4: this guy just hated me. He didn't like that I

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Speaker 4: was girly. He didn't like how my nails click clacked

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Speaker 4: on the keyboard, he didn't like how I looked and

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Speaker 4: who I was. And the final straw was I came

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Speaker 4: into work one day with a long cardigan on and

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Speaker 4: he looked at me, touched his hands together, bowed and said,

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Speaker 4: is that a kimono?

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Speaker 5: M And wow?

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Speaker 4: You know how, I don't know if this happens to you, guys,

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Speaker 4: but when something like that happens to you, you think

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Speaker 4: of all the insults you want to say back, like

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Speaker 4: six hours later.

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Speaker 3: Yeah, especially when they're your boss.

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Speaker 2: Yeah, and you're not a power.

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Speaker 3: When I heard that anecdote that you just said on

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Speaker 3: your podcast, Networth and Chill, y'all, I will plug it

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Speaker 3: for you, don't worry. And the first thing I thought

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Speaker 3: of was I wish I could say I was surprised,

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Speaker 3: But I think around that, I think we're around the

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Speaker 3: same age and around the same time you were working

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Speaker 3: on Wall Street. I was reporting on Wall Street as

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Speaker 3: a reporter at Business Insider, And I'll never forget like

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Speaker 3: b I in the early days was a wild wild West,

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Speaker 3: like we were just a bunch of kids on the Internet,

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Speaker 3: like you know, writing every wanted to. There were no

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Speaker 3: rules of journalism anymore. It was like post media apocalyptic

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Speaker 3: moment from the recession, and it was about clicks. We

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Speaker 3: were like headlines and photo, headlines and photo that was

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Speaker 3: everything on BI it was the main page. And I

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Speaker 3: was specifically told by an editor feature an Asian American woman,

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Speaker 3: Feature young Asian American women in your photos, and the

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Speaker 3: men of Wall Street will click. There was like this

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Speaker 3: weird Yes I'm not kidding, No, I know it's fucking gross,

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Speaker 3: but this fetishization at the same time, but then use

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Speaker 3: it on the you know, the other end of it

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Speaker 3: that you experience is this, you know, this racism, this

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Speaker 3: other ring and I'm just really sorry that that happened

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Speaker 3: to you. I'm so glad you got to give them

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Speaker 3: the double middle finger. And I did not take that

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Speaker 3: editor's advice, but I will say, like, who writes the

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Speaker 3: news and who's you know, in charge on Wall Street?

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00:18:52,240 --> 00:18:57,080
Speaker 3: It so matters. Yeah, so then you.

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Speaker 1: Just like, how long did you last after that?

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Speaker 2: A couple of months?

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Speaker 4: Oh, but can I tell this, I've never told this

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Speaker 4: story before, but this is quite spicy.

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Speaker 2: So I wanted to like leave that day.

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Speaker 5: I liked.

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Speaker 4: I was like, I basically texted my mentor on the

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Speaker 4: side because she was still on the team, and I

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Speaker 4: was like I'm about to quit, like right now, like

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Speaker 4: I am leaving today, And she was like, don't be

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Speaker 4: an idiot, you don't have another job lined up.

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Speaker 2: What are you doing. We'll talk about it after work.

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Speaker 4: And she basically coached me through it, and I think

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Speaker 4: she was obviously very very sad to hear that that

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Speaker 4: had happened to me. But she introduced me to my

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Speaker 4: second manager, my very first manager at BuzzFeed, and I

399
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Speaker 4: was so strategic with this guys. I started interviewing and

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Speaker 4: right before I knew I was going to quit, like

401
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Speaker 4: I basically I was at the finish line.

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Speaker 2: I knew things were going good. I was like, I'm

403
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Speaker 2: ready to quit.

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Speaker 4: I took my two week mandatory block leave, so well, yeah,

405
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Speaker 4: I two weeks of paid vacation. I went to Spain

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Speaker 4: with my now fiance, and.

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Speaker 2: The day I got back from vacation, I quit.

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Speaker 3: I love that for you, Vivian, I love that too.

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Speaker 5: You're not the only one, Like that's not an uncommon.

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Speaker 3: Way to quit, and it's so smart. Ipially not going

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Speaker 3: to pay it back these days. It's all like unlimited PTOs,

412
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Speaker 3: we don't have to pay you out. That's superking smart,

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Speaker 3: okayba fan, We're going to take a quick break and

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Speaker 3: be right back with more from our conversation with Vivian two.

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Speaker 3: You're rich bff, and we're back ba fam more from

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Speaker 3: our conversation with Vivian two.

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Speaker 1: And so you switched out the BuzzFeed and you're like, Okay,

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Speaker 1: I'm in.

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Speaker 3: Wait, how I don't want to hear about that, Like

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Speaker 3: he switched to BuzzFeed, Like why what were you doing

421
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Speaker 3: at BuzzFeed? And how is it different than than Wall Street? Yeah?

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Speaker 4: It was totally different. I mean, thanks for asking that, Mandy.

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Speaker 4: I know you focus a lot about, you know, career

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Speaker 4: movement and mobility and making some of those important changes.

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Speaker 2: I was terrified because I was like.

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Speaker 4: Well, I haven't even been in this seat for you know,

427
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Speaker 4: the four years that is expected of me before I

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Speaker 4: can like reasonably switch to another bank, and people don't

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Speaker 4: think I'm a job jumper. So I had ended up

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Speaker 4: having this conversation with my mentor's best friend and she

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Speaker 4: put me in contact with HR. I went through the

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Speaker 4: series of interviews for a job that I had no

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Speaker 4: idea how to do. It was a digital media strategy

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Speaker 4: sales job at BuzzFeed. Basically, I was working with corporations

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Speaker 4: at a very baseline level to put ads on the Internet,

436
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Speaker 4: but at a very high level building out joint ventures

437
00:21:51,720 --> 00:21:56,960
Speaker 4: or creating new websites, or doing hosting irl pop ups

438
00:21:56,960 --> 00:22:02,920
Speaker 4: and flat iron or you know, full custom content campaigns.

439
00:22:04,240 --> 00:22:05,919
Speaker 4: I didn't know how to do any of that. I

440
00:22:05,920 --> 00:22:08,320
Speaker 4: didn't know what a CPM was. I didn't know what

441
00:22:08,359 --> 00:22:09,280
Speaker 4: an impression was.

442
00:22:09,440 --> 00:22:12,720
Speaker 2: I didn't know how to make content. I didn't know

443
00:22:12,920 --> 00:22:14,959
Speaker 2: what reporting was. I didn't know anything.

444
00:22:15,760 --> 00:22:20,359
Speaker 4: But when I spoke with my mentor's best friend, I said,

445
00:22:21,560 --> 00:22:24,399
Speaker 4: I am the fastest learner you have ever met. I

446
00:22:24,440 --> 00:22:28,119
Speaker 4: can learn anything in three months. And I promise you

447
00:22:28,160 --> 00:22:30,960
Speaker 4: I'm going to put everything in that I have and

448
00:22:31,000 --> 00:22:34,199
Speaker 4: I'm going to be better than your current best. And

449
00:22:34,240 --> 00:22:36,239
Speaker 4: I think that was like a big promise. But like

450
00:22:37,000 --> 00:22:39,280
Speaker 4: I told her that, and she was and I did

451
00:22:39,280 --> 00:22:43,720
Speaker 4: have this in my sleeve knowing this, that person that

452
00:22:43,800 --> 00:22:47,440
Speaker 4: became my very first boss had also left Wall Street

453
00:22:47,480 --> 00:22:50,000
Speaker 4: to go into media and tech. So I think again

454
00:22:50,520 --> 00:22:53,320
Speaker 4: she had like a little soft spot for me, knowing

455
00:22:53,359 --> 00:22:57,320
Speaker 4: that she had escaped a similar fate, you know, for

456
00:22:57,400 --> 00:22:58,360
Speaker 4: similar reasons.

457
00:22:59,080 --> 00:23:00,240
Speaker 2: To see me now.

458
00:23:00,280 --> 00:23:02,600
Speaker 4: Feeling like I had to escape. She was like I'm

459
00:23:02,640 --> 00:23:05,720
Speaker 4: willing to take a flyer. And so when I did

460
00:23:05,760 --> 00:23:08,800
Speaker 4: well in the other interviews and had a good sales

461
00:23:08,840 --> 00:23:12,320
Speaker 4: pitch and was able to showcase that regardless of if

462
00:23:12,320 --> 00:23:16,120
Speaker 4: I was calling a hedge fund analyst to talk about

463
00:23:16,440 --> 00:23:18,919
Speaker 4: a stock that I thought was a decent buy for

464
00:23:18,960 --> 00:23:22,480
Speaker 4: their portfolio, or whether I was calling a corporate client

465
00:23:22,800 --> 00:23:25,840
Speaker 4: to recommend a certain type of video asset that I

466
00:23:25,840 --> 00:23:27,880
Speaker 4: thought would be good for their advertising campaign.

467
00:23:28,400 --> 00:23:31,600
Speaker 2: Sales as sales, baby, you either got the sauce or

468
00:23:31,640 --> 00:23:32,080
Speaker 2: you don't.

469
00:23:32,800 --> 00:23:33,639
Speaker 1: Separately.

470
00:23:34,240 --> 00:23:35,320
Speaker 2: Sauce sold separately.

471
00:23:35,480 --> 00:23:38,720
Speaker 4: And so you know, I think she saw that I

472
00:23:38,800 --> 00:23:42,280
Speaker 4: had that natural sales instinct and they hired me on

473
00:23:42,359 --> 00:23:45,160
Speaker 4: that entire instinct and nothing else.

474
00:23:45,760 --> 00:23:49,360
Speaker 2: And within three years I became.

475
00:23:50,520 --> 00:23:53,359
Speaker 4: One of the top sellers, and within almost four I

476
00:23:53,520 --> 00:23:54,320
Speaker 4: was the top seller.

477
00:23:55,880 --> 00:23:58,560
Speaker 3: Wow, you know what I can I ask you one

478
00:23:58,640 --> 00:24:01,679
Speaker 3: quick question, just to prove a point. How when you

479
00:24:01,760 --> 00:24:04,920
Speaker 3: decided to leave JP Morgan, Like, how much time and

480
00:24:04,960 --> 00:24:08,200
Speaker 3: you reached out to your mentor at what point did

481
00:24:08,200 --> 00:24:11,840
Speaker 3: you touch your resume to like focus on that in

482
00:24:11,920 --> 00:24:14,720
Speaker 3: terms of your pivot into a new career field.

483
00:24:15,200 --> 00:24:17,040
Speaker 4: The same night that guy asked me if I was

484
00:24:17,080 --> 00:24:17,880
Speaker 4: wearing a kimono.

485
00:24:18,040 --> 00:24:18,880
Speaker 2: I was like, get me.

486
00:24:18,840 --> 00:24:22,160
Speaker 3: Out of here, right, and like when you were approaching

487
00:24:22,200 --> 00:24:25,439
Speaker 3: it though, like what I'm heard from your story is

488
00:24:25,440 --> 00:24:28,400
Speaker 3: that the personal connections and you can roll your eyes

489
00:24:28,440 --> 00:24:30,919
Speaker 3: of this a lot and like neppo baby, bullshit whatever.

490
00:24:31,359 --> 00:24:35,000
Speaker 3: But like I feel like leaning into your mentor leaning

491
00:24:35,040 --> 00:24:37,320
Speaker 3: in and just not even like having an end goal

492
00:24:37,359 --> 00:24:39,040
Speaker 3: in mind, just like, hey, I had a shit day,

493
00:24:39,040 --> 00:24:41,480
Speaker 3: I want to leave this place. Yeah, letting them know

494
00:24:42,160 --> 00:24:45,040
Speaker 3: that you were interested in a new beginning and like

495
00:24:45,240 --> 00:24:48,160
Speaker 3: them starting to get that ball rolling to the point

496
00:24:48,200 --> 00:24:50,200
Speaker 3: where you know, you get the interview, but you still

497
00:24:50,240 --> 00:24:54,160
Speaker 3: got to sell it and having that person like understanding

498
00:24:54,160 --> 00:24:56,720
Speaker 3: what their objections are going to be. Oh, on paper,

499
00:24:56,760 --> 00:24:58,360
Speaker 3: this doesn't look like it's the right fit, but you're

500
00:24:58,359 --> 00:25:01,280
Speaker 3: going to tell the story that convinces them that you're

501
00:25:01,560 --> 00:25:03,359
Speaker 3: the person for the job. And I think that's so

502
00:25:03,480 --> 00:25:06,960
Speaker 3: important because I work with so many women who are

503
00:25:07,000 --> 00:25:11,479
Speaker 3: stuck because they are psyching themselves out about that pivot

504
00:25:11,480 --> 00:25:13,960
Speaker 3: into a new path. And I just really appreciate the

505
00:25:13,960 --> 00:25:16,400
Speaker 3: way you backed yourself and went for it.

506
00:25:17,040 --> 00:25:20,000
Speaker 4: I mean, what's that phrase, like your network is your

507
00:25:20,080 --> 00:25:24,639
Speaker 4: net worth? Like you need to be networking because I

508
00:25:24,720 --> 00:25:27,280
Speaker 4: didn't have the skills, I didn't have the experience. I

509
00:25:27,320 --> 00:25:30,200
Speaker 4: certainly didn't have the resume to get that job. Frankly,

510
00:25:30,240 --> 00:25:33,480
Speaker 4: from a resume perspective, I didn't deserve it. But because

511
00:25:33,560 --> 00:25:36,600
Speaker 4: I had an internal champion, I had someone who was

512
00:25:36,640 --> 00:25:38,919
Speaker 4: advocating for me, and that person was going to become

513
00:25:38,960 --> 00:25:44,000
Speaker 4: my manager. I essentially had the key stakeholder's attention, and

514
00:25:44,040 --> 00:25:47,320
Speaker 4: I not only had her attention, but her essentially buy in.

515
00:25:48,040 --> 00:25:51,600
Speaker 4: And that is the only reason I got that job.

516
00:25:51,680 --> 00:25:54,359
Speaker 4: And can I tell you something. On that team, there

517
00:25:54,359 --> 00:25:57,159
Speaker 4: were three managers. My manager end up being one of them.

518
00:25:57,520 --> 00:26:03,320
Speaker 4: They had offered me to different manager because he had

519
00:26:03,359 --> 00:26:08,480
Speaker 4: fewer headcount than she did, and he said word for word.

520
00:26:08,520 --> 00:26:12,800
Speaker 4: I found this out years later. She seems smart, but

521
00:26:12,920 --> 00:26:13,800
Speaker 4: not a project I.

522
00:26:13,760 --> 00:26:14,320
Speaker 2: Want to take on.

523
00:26:15,320 --> 00:26:20,440
Speaker 4: Well, And just so everybody knows, your sales managers get

524
00:26:20,440 --> 00:26:21,879
Speaker 4: a percentage.

525
00:26:21,280 --> 00:26:23,119
Speaker 2: Cut, oh what you sell.

526
00:26:23,760 --> 00:26:27,800
Speaker 4: So my manager's out here sitting on this throne of

527
00:26:27,920 --> 00:26:32,040
Speaker 4: my success and this guy looks like a chump.

528
00:26:32,359 --> 00:26:35,520
Speaker 1: Yeah, I just love that though. I'm just like, I think,

529
00:26:35,560 --> 00:26:39,879
Speaker 1: as a woman, especially a woman not from the minority culture, like,

530
00:26:39,920 --> 00:26:43,119
Speaker 1: there's nothing sweeter than for folks to be like oh

531
00:26:43,320 --> 00:26:45,800
Speaker 1: to kind of write you off and you're like, I'm sorry, what.

532
00:26:47,880 --> 00:26:48,920
Speaker 2: It's petty?

533
00:26:50,760 --> 00:26:52,600
Speaker 3: Are you going to send him a copy of the book?

534
00:26:52,760 --> 00:26:56,600
Speaker 1: I mean because he might need some financial assistance bits,

535
00:26:57,400 --> 00:26:57,560
Speaker 1: But I.

536
00:26:57,640 --> 00:26:59,919
Speaker 3: Also feel kind of like bad for him, not one

537
00:27:00,119 --> 00:27:02,960
Speaker 3: not bad, but also like from a manager's perspective, or like, oh,

538
00:27:03,800 --> 00:27:06,399
Speaker 3: we have Vivian, she's new here, she hasn't anything but marketing,

539
00:27:06,480 --> 00:27:07,720
Speaker 3: Like what kind of pitch did he get?

540
00:27:07,840 --> 00:27:08,040
Speaker 6: You know?

541
00:27:08,400 --> 00:27:11,000
Speaker 3: About you? And I'm like, there are a lot of

542
00:27:11,040 --> 00:27:13,200
Speaker 3: managers who are like, yeah, that seems like a lot

543
00:27:13,240 --> 00:27:17,080
Speaker 3: of work. However, like without sitting on him, I'm just

544
00:27:17,119 --> 00:27:20,200
Speaker 3: like so happy you found a manager who was willing

545
00:27:20,280 --> 00:27:22,879
Speaker 3: to put in that work, because god damn it, we

546
00:27:22,920 --> 00:27:24,840
Speaker 3: need better leaders and better management.

547
00:27:25,119 --> 00:27:30,080
Speaker 1: Yes, people to greatness, But I want to jump down,

548
00:27:30,160 --> 00:27:34,520
Speaker 1: like into your book. So came you drop that TikTok

549
00:27:34,840 --> 00:27:38,600
Speaker 1: completely blew up? And then obviously with your knowledge from

550
00:27:39,200 --> 00:27:43,919
Speaker 1: from BuzzFeed about marketing and consistency and social media, you know,

551
00:27:44,080 --> 00:27:45,040
Speaker 1: it makes so much sense.

552
00:27:45,080 --> 00:27:45,280
Speaker 3: Now.

553
00:27:45,680 --> 00:27:46,560
Speaker 5: Yeah, I'm getting this.

554
00:27:46,640 --> 00:27:48,960
Speaker 3: I love the story. I'm just like the media background.

555
00:27:49,080 --> 00:27:50,359
Speaker 5: Duh.

556
00:27:50,440 --> 00:27:54,120
Speaker 3: I'm gonna post this on January one, maybe it'll go duh.

557
00:27:54,160 --> 00:27:54,960
Speaker 5: Sorry, go ahead.

558
00:27:56,160 --> 00:28:00,360
Speaker 1: When did you decide like, okay, I think or someone

559
00:28:00,400 --> 00:28:01,880
Speaker 1: kind of reach out to you to decide I want

560
00:28:01,880 --> 00:28:04,600
Speaker 1: to adde a book, Like I'm sharing so much amazing information.

561
00:28:04,720 --> 00:28:07,439
Speaker 1: There's so many questions I want to direct them. Was

562
00:28:07,440 --> 00:28:09,800
Speaker 1: that did that come from you internally or did externally?

563
00:28:09,840 --> 00:28:12,560
Speaker 1: Were you just like bombarded with like requests for a book.

564
00:28:14,280 --> 00:28:17,639
Speaker 4: I was bombarded with requests for a book, but not

565
00:28:17,960 --> 00:28:21,600
Speaker 4: from who you'd think, Okay, I was being bombarded by

566
00:28:21,640 --> 00:28:26,040
Speaker 4: people in my DMS. Okay, people were saying, like, vivir content,

567
00:28:26,200 --> 00:28:27,360
Speaker 4: it's sixty seconds long.

568
00:28:27,440 --> 00:28:28,400
Speaker 2: It is so helpful.

569
00:28:28,440 --> 00:28:31,040
Speaker 4: It is the only way I'm able to digest this information.

570
00:28:31,560 --> 00:28:34,719
Speaker 4: But like, do you have like a guide where I

571
00:28:34,800 --> 00:28:38,480
Speaker 4: watch video one all the way to one hundred, because

572
00:28:38,800 --> 00:28:41,400
Speaker 4: right now we're kind of jumping all over the place.

573
00:28:41,600 --> 00:28:46,160
Speaker 2: And I want a step by step and I'm like, oh, okay,

574
00:28:46,240 --> 00:28:48,960
Speaker 2: that might be helpful. And I was actually not.

575
00:28:49,000 --> 00:28:51,120
Speaker 4: Resistant to writing a book, but I was like, there

576
00:28:51,120 --> 00:28:53,080
Speaker 4: are other ways to do this, and so I was like, Okay,

577
00:28:53,080 --> 00:28:56,600
Speaker 4: I'm going to launch a long form YouTube channel. Turns out,

578
00:28:57,160 --> 00:29:00,200
Speaker 4: long term long form YouTube channels are very hot, hard,

579
00:29:01,240 --> 00:29:03,800
Speaker 4: they take a lot of production, they're very fancy. It's

580
00:29:03,880 --> 00:29:07,560
Speaker 4: not easy, you know, try like did the podcast thing

581
00:29:07,640 --> 00:29:10,240
Speaker 4: for longer form content. But people still kept saying like,

582
00:29:10,800 --> 00:29:12,840
Speaker 4: we want the book, we want the book, and I'm like, okay,

583
00:29:12,960 --> 00:29:15,640
Speaker 4: like I'll think about it, I'll do the book. So

584
00:29:15,760 --> 00:29:19,280
Speaker 4: I ended up writing the pitch for the book concept,

585
00:29:19,760 --> 00:29:23,880
Speaker 4: and it all really ties back to all of the

586
00:29:23,880 --> 00:29:26,840
Speaker 4: thanks I have to give to my first mentor. I mean,

587
00:29:26,920 --> 00:29:30,400
Speaker 4: but you guys saw the dedication I dedicated to three

588
00:29:30,880 --> 00:29:33,640
Speaker 4: three groups of people or three people will call them,

589
00:29:33,680 --> 00:29:38,240
Speaker 4: first being the BFFs, then to my mentor, and then

590
00:29:38,560 --> 00:29:43,040
Speaker 4: to the guy who made the kimono comment. Because again

591
00:29:43,080 --> 00:29:47,560
Speaker 4: I'm petty, and it really is so much of the

592
00:29:47,600 --> 00:29:51,640
Speaker 4: information she taught me about looking at the world differently

593
00:29:52,640 --> 00:29:57,280
Speaker 4: and how it pertains to our personal finances, and what

594
00:29:57,400 --> 00:30:01,680
Speaker 4: that mentorship did for me. Without her, I wouldn't be

595
00:30:01,720 --> 00:30:05,000
Speaker 4: in the current financial position that I am, and I

596
00:30:05,120 --> 00:30:07,160
Speaker 4: frankly probably would have spent all of my money on

597
00:30:07,200 --> 00:30:11,040
Speaker 4: designer jewelry or designer bags and been quite frivolous.

598
00:30:10,560 --> 00:30:11,760
Speaker 2: With it, to be honest with you.

599
00:30:13,440 --> 00:30:17,440
Speaker 4: So I ended up pitching that concept of rich af

600
00:30:18,680 --> 00:30:21,640
Speaker 4: and ended up signing a book deal with Penguin Random.

601
00:30:21,360 --> 00:30:24,240
Speaker 1: House welcome to the family for I just got here too.

602
00:30:24,680 --> 00:30:27,920
Speaker 2: Yeah, well, okay, I was telling you guys.

603
00:30:28,000 --> 00:30:32,200
Speaker 4: I was telling tiff about this before we got on

604
00:30:32,720 --> 00:30:37,280
Speaker 4: the actual recording, when I was pitching this book, and

605
00:30:37,680 --> 00:30:40,680
Speaker 4: it seemed that there was a lot of interest. People

606
00:30:40,720 --> 00:30:45,800
Speaker 4: then started to try selling me, and many publishers number

607
00:30:45,840 --> 00:30:48,960
Speaker 4: one selling point was that they had worked with the

608
00:30:49,440 --> 00:30:53,960
Speaker 4: Tiffany A Leech and so I was like, wait, okay,

609
00:30:54,080 --> 00:30:56,960
Speaker 4: I want to be where she's at, so it felt

610
00:30:56,960 --> 00:30:58,000
Speaker 4: like a good place to call home.

611
00:30:58,360 --> 00:31:01,880
Speaker 1: Meanwhile, I can't be up multiple places lying just so

612
00:31:02,040 --> 00:31:05,000
Speaker 1: this was a little petty aside. There was I'm trying

613
00:31:05,000 --> 00:31:07,640
Speaker 1: to think, I'm gonna say it. So there was one.

614
00:31:07,720 --> 00:31:11,840
Speaker 1: So I like, we pitched obviously, and so nine publishers

615
00:31:11,880 --> 00:31:14,520
Speaker 1: came back, but one of them had to step down

616
00:31:15,000 --> 00:31:19,920
Speaker 1: because they had another financial educator, big name. If we

617
00:31:19,960 --> 00:31:22,840
Speaker 1: said you a'll be like duh on their roster, and

618
00:31:22,880 --> 00:31:25,640
Speaker 1: that person had first right of refusal for anybody else

619
00:31:25,960 --> 00:31:29,320
Speaker 1: being signed. And they were like, but Denis said, no,

620
00:31:29,520 --> 00:31:32,479
Speaker 1: you guys can't sign her. I'll set you offline. You're

621
00:31:32,480 --> 00:31:34,000
Speaker 1: gonna be like, no, I'm not gonna lie. I was

622
00:31:34,040 --> 00:31:36,000
Speaker 1: so impressed. I'm like, they know who I am, even

623
00:31:36,000 --> 00:31:37,680
Speaker 1: though I.

624
00:31:37,720 --> 00:31:41,120
Speaker 3: Was so wow, so they're suppressing ye, Like can you

625
00:31:41,200 --> 00:31:43,400
Speaker 3: I didn't know that was a thing you could do. Yeah,

626
00:31:43,440 --> 00:31:46,600
Speaker 3: it's so big that you can say I am your

627
00:31:46,760 --> 00:31:50,600
Speaker 3: financial person, and if they're signing anyone else, I can

628
00:31:50,640 --> 00:31:53,760
Speaker 3: could put it oooh typically I would feel so good

629
00:31:53,760 --> 00:31:55,000
Speaker 3: if I'm telling you.

630
00:31:55,080 --> 00:31:57,160
Speaker 1: I wasn't even mad. I was like I can't believe

631
00:31:57,200 --> 00:31:59,720
Speaker 1: they I'm like, are you sure you know who I am?

632
00:32:00,000 --> 00:32:00,080
Speaker 2: Oh?

633
00:32:00,120 --> 00:32:02,680
Speaker 1: My god? So much so that they were like, no,

634
00:32:03,000 --> 00:32:04,280
Speaker 1: can you text right now?

635
00:32:05,760 --> 00:32:06,520
Speaker 2: Put it in the ruck.

636
00:32:06,800 --> 00:32:09,440
Speaker 1: I can't see the chat because your petty, you will

637
00:32:09,440 --> 00:32:11,200
Speaker 1: say it out loud.

638
00:32:13,480 --> 00:32:15,600
Speaker 2: There's no trust your petty.

639
00:32:15,760 --> 00:32:16,360
Speaker 3: I was like, I can't.

640
00:32:16,360 --> 00:32:18,280
Speaker 5: I don't know about Vivian, but I wouldn't.

641
00:32:18,920 --> 00:32:20,880
Speaker 1: So I'm gonna put it in the chat. But it

642
00:32:21,040 --> 00:32:27,040
Speaker 1: was just like I was so shocked, and I just

643
00:32:27,200 --> 00:32:28,920
Speaker 1: was like, yes.

644
00:32:29,560 --> 00:32:32,520
Speaker 3: Did you yeah, yea, yeah, yeah, yeah, okay put the name.

645
00:32:33,080 --> 00:32:36,040
Speaker 1: Yeah. But honestly, well one would have told me was like, wow,

646
00:32:36,120 --> 00:32:38,400
Speaker 1: you never know who's watching you because I'm like little

647
00:32:38,400 --> 00:32:40,880
Speaker 1: on me. But guess what, that person was absolutely right.

648
00:32:41,960 --> 00:32:44,520
Speaker 1: They were like they were right, because honestly, I didn't

649
00:32:44,520 --> 00:32:46,080
Speaker 1: know what I was capable of. I mean, I knew

650
00:32:46,080 --> 00:32:48,160
Speaker 1: I worked hard. I didn't know, like you know, what

651
00:32:48,200 --> 00:32:50,680
Speaker 1: the book could possibly do. But yeah, so I was like,

652
00:32:50,800 --> 00:32:56,400
Speaker 1: you know, a good call. But here we are, Yeah, no.

653
00:32:56,240 --> 00:32:58,160
Speaker 3: New class right yeah.

654
00:32:58,520 --> 00:33:02,240
Speaker 1: So so for your book, what are you hoping so

655
00:33:02,240 --> 00:33:05,000
Speaker 1: so like I said, like honestly, so many times, like

656
00:33:05,040 --> 00:33:08,360
Speaker 1: even for myself, I'm like, I need like, what's the

657
00:33:08,440 --> 00:33:10,840
Speaker 1: knowledge on that? What's a quick way to understand that?

658
00:33:10,920 --> 00:33:13,520
Speaker 1: So I'll watch your videos because to your audience's point

659
00:33:13,560 --> 00:33:17,040
Speaker 1: in sixty seconds, I'm like, Okay, that's what that means,

660
00:33:17,120 --> 00:33:19,000
Speaker 1: or that's what's happening, or this is what the market

661
00:33:19,040 --> 00:33:21,520
Speaker 1: is doing or you know. But and so your book

662
00:33:21,640 --> 00:33:24,040
Speaker 1: offers what like for those folks who know you from

663
00:33:24,040 --> 00:33:27,600
Speaker 1: social media if they read their book, what what's the difference? Like,

664
00:33:27,600 --> 00:33:29,000
Speaker 1: what are they getting? What are they going to take

665
00:33:29,000 --> 00:33:29,440
Speaker 1: out of it?

666
00:33:30,400 --> 00:33:34,280
Speaker 4: This is a full step by step guide to not

667
00:33:34,440 --> 00:33:38,240
Speaker 4: only changing your mindset around money. Essentially, what was the

668
00:33:38,280 --> 00:33:42,120
Speaker 4: shift between what my mindset was when I had these

669
00:33:42,320 --> 00:33:45,760
Speaker 4: very loving but very frugal Chinese parents to meeting.

670
00:33:45,840 --> 00:33:48,400
Speaker 2: Who I love to call like my rich mom.

671
00:33:48,360 --> 00:33:51,400
Speaker 4: Situation like her teaching me how to think about money

672
00:33:51,440 --> 00:33:54,800
Speaker 4: and an abundant mindset, growing it, making it work hard,

673
00:33:55,400 --> 00:33:59,280
Speaker 4: and it's that shift while going through I would say,

674
00:33:59,400 --> 00:34:04,640
Speaker 4: a pretty traditional and pretty common set of knowledge, but

675
00:34:04,840 --> 00:34:07,280
Speaker 4: conveying it in a way that really makes sense for

676
00:34:07,680 --> 00:34:12,000
Speaker 4: the next generation. I think most folks when they talk

677
00:34:12,040 --> 00:34:14,839
Speaker 4: about career in a finance book, it's at the end,

678
00:34:15,200 --> 00:34:18,560
Speaker 4: or it's at least after budgeting or after saving. I

679
00:34:18,600 --> 00:34:24,200
Speaker 4: put career first because the line that my mentor told

680
00:34:24,239 --> 00:34:27,239
Speaker 4: me that I find to be truly the golden rule

681
00:34:27,320 --> 00:34:30,319
Speaker 4: of my life is that you can only save as

682
00:34:30,400 --> 00:34:32,480
Speaker 4: much as you earn, but you can always earn more money.

683
00:34:33,200 --> 00:34:37,640
Speaker 4: And that when I heard that phrase for the first time,

684
00:34:37,719 --> 00:34:38,719
Speaker 4: it really did change.

685
00:34:38,480 --> 00:34:39,880
Speaker 5: My life because I was always with this woman.

686
00:34:40,480 --> 00:34:43,520
Speaker 4: Her name is Jeane Ma. She is still a trader

687
00:34:43,600 --> 00:34:48,040
Speaker 4: on the street. She is truly the best she you know,

688
00:34:48,560 --> 00:34:51,840
Speaker 4: she's my mentor to this day. I see her relatively often,

689
00:34:53,560 --> 00:34:56,239
Speaker 4: but she taught me this, and so we talk through

690
00:34:56,280 --> 00:34:58,279
Speaker 4: career and like I don't talk through a lot of

691
00:34:58,280 --> 00:35:01,160
Speaker 4: the other career stuff of like resumes or interviewing or

692
00:35:01,160 --> 00:35:05,399
Speaker 4: anything like that. But when you've gotten the job, how

693
00:35:05,400 --> 00:35:07,080
Speaker 4: do you ask for more money before you start on

694
00:35:07,160 --> 00:35:09,640
Speaker 4: day one? Or if you've been in a job for

695
00:35:09,680 --> 00:35:12,560
Speaker 4: so long, how do you demand a fifteen percent raise

696
00:35:12,560 --> 00:35:14,080
Speaker 4: at the end of the year without sounding like a

697
00:35:14,120 --> 00:35:17,200
Speaker 4: d bag. And these are things that we need to

698
00:35:17,239 --> 00:35:20,000
Speaker 4: talk about because the money piece of your job, like

699
00:35:20,000 --> 00:35:22,080
Speaker 4: we're not doing this for free, like I'm not here

700
00:35:22,120 --> 00:35:24,400
Speaker 4: for my health, Like I'm here to make money. And

701
00:35:24,480 --> 00:35:28,520
Speaker 4: then we move into budgeting and it addresses like, hey,

702
00:35:28,800 --> 00:35:33,080
Speaker 4: budgets look very different than they used to because Instagram

703
00:35:33,320 --> 00:35:37,000
Speaker 4: has very much changed what we perceive to be things

704
00:35:37,000 --> 00:35:41,520
Speaker 4: we need in our life. And I'm very anti no

705
00:35:41,640 --> 00:35:46,080
Speaker 4: little treats. I love little treats, and so I just

706
00:35:46,120 --> 00:35:49,160
Speaker 4: give a way to reframe that of like, hey, the

707
00:35:49,320 --> 00:35:52,040
Speaker 4: avocado toast or the latte every morning is not why

708
00:35:52,040 --> 00:35:55,000
Speaker 4: you can't buy a home, but like you want a

709
00:35:55,719 --> 00:35:58,040
Speaker 4: you know, a Gucci bag at the end of the year,

710
00:35:58,160 --> 00:36:01,640
Speaker 4: because that's the equivalent a Gucci bag. Would you rather

711
00:36:01,719 --> 00:36:04,360
Speaker 4: have that? Would you rather get you know, those do

712
00:36:04,600 --> 00:36:07,680
Speaker 4: or shoes? Would you rather get that fresh pair of

713
00:36:08,640 --> 00:36:12,160
Speaker 4: four fresh pairs of the really coveted Jordan's because that

714
00:36:12,280 --> 00:36:14,319
Speaker 4: is what you're giving up by having a latte every

715
00:36:14,320 --> 00:36:21,560
Speaker 4: single day. And suddenly saving money becomes fun because saving

716
00:36:21,600 --> 00:36:24,239
Speaker 4: money equates to things that actually bring you joy, like

717
00:36:24,360 --> 00:36:25,280
Speaker 4: Marie Condos style.

718
00:36:25,320 --> 00:36:26,200
Speaker 2: Does this spark joy?

719
00:36:26,360 --> 00:36:32,560
Speaker 4: Yea? And from there we go into investing, which I

720
00:36:32,640 --> 00:36:36,839
Speaker 4: feel like is way over complicated. I think so many

721
00:36:36,840 --> 00:36:39,000
Speaker 4: folks in the space now are doing a great job

722
00:36:39,040 --> 00:36:41,560
Speaker 4: of trying to demystify it. But I break it down

723
00:36:41,640 --> 00:36:44,520
Speaker 4: in very layman's terms how I was taught to think

724
00:36:44,560 --> 00:36:49,160
Speaker 4: about it. For my portfolio, we have to essentially have

725
00:36:49,239 --> 00:36:52,880
Speaker 4: a baseline understanding of what retail investors and what institutional

726
00:36:52,960 --> 00:36:57,279
Speaker 4: investors need when we pass our exams to be able

727
00:36:57,320 --> 00:36:59,840
Speaker 4: to work on Wall Street. And a big part is

728
00:36:59,880 --> 00:37:02,319
Speaker 4: like they ask you a bunch of questions, like they

729
00:37:02,320 --> 00:37:05,120
Speaker 4: give you a profile essentially, and they're like, if this

730
00:37:05,160 --> 00:37:10,560
Speaker 4: person is a forty seven year old woman, lives here,

731
00:37:11,080 --> 00:37:15,359
Speaker 4: no children, married, like, which of these portfolios would make

732
00:37:15,400 --> 00:37:18,880
Speaker 4: sense for her? And then you get another scenario like

733
00:37:19,239 --> 00:37:26,040
Speaker 4: twenty three man, unmarried, no job, what investment portfolio would

734
00:37:26,080 --> 00:37:29,839
Speaker 4: you invest for him? And so that essentially kind of

735
00:37:29,960 --> 00:37:34,319
Speaker 4: changes the investment conversation because it's not one size fits all.

736
00:37:35,040 --> 00:37:37,400
Speaker 2: And then the final chapter is my favorite.

737
00:37:37,440 --> 00:37:39,799
Speaker 4: It's a little like somebody told me this and I

738
00:37:39,840 --> 00:37:41,239
Speaker 4: was like, ah, shoot, I didn't even think about that.

739
00:37:41,280 --> 00:37:43,239
Speaker 4: They're like, it's a little bit of a sexual innuendo.

740
00:37:44,440 --> 00:37:45,520
Speaker 3: Oh, I know what you're gonna say.

741
00:37:45,760 --> 00:37:51,000
Speaker 4: Yeah, but like financial domination, and I was like, oh geez,

742
00:37:51,040 --> 00:37:54,359
Speaker 4: I didn't even think about that. But it covers all

743
00:37:54,400 --> 00:37:57,440
Speaker 4: the stuff that doesn't neatly fit into any of those boxes,

744
00:37:57,560 --> 00:38:01,479
Speaker 4: So like paying down debt, taxes, talking to your friends

745
00:38:01,480 --> 00:38:04,880
Speaker 4: and family about money, which can be an incredibly sore subject,

746
00:38:05,880 --> 00:38:09,960
Speaker 4: especially if you come from a immigrant background or a

747
00:38:09,960 --> 00:38:13,719
Speaker 4: low income background. You know, as a story like I

748
00:38:13,760 --> 00:38:16,480
Speaker 4: know friends who are in my analyst class who the

749
00:38:16,520 --> 00:38:18,880
Speaker 4: expectation was like when they got their bonuses, like they

750
00:38:18,880 --> 00:38:22,359
Speaker 4: would send them home or part of their paycheck had

751
00:38:22,400 --> 00:38:25,560
Speaker 4: to go home to like help mom and dad, or

752
00:38:25,840 --> 00:38:26,959
Speaker 4: mom you know.

753
00:38:27,160 --> 00:38:27,840
Speaker 2: Pay her food.

754
00:38:28,040 --> 00:38:34,160
Speaker 4: And we don't all get to start life on third base.

755
00:38:34,480 --> 00:38:37,040
Speaker 4: Some people start, you know, at first base. Some people

756
00:38:37,080 --> 00:38:39,919
Speaker 4: start outside of the parking lot of the stadium. And

757
00:38:40,520 --> 00:38:43,000
Speaker 4: I think having some of those money conversations can be

758
00:38:43,040 --> 00:38:45,520
Speaker 4: tricky no matter who you are, So I wanted to

759
00:38:45,520 --> 00:38:49,120
Speaker 4: address that and then we wrap it up in a nice.

760
00:38:48,920 --> 00:38:52,080
Speaker 2: Bo of why we all deserve to be rich af.

761
00:38:52,680 --> 00:38:55,320
Speaker 3: I want to hear, so everyone go get the book,

762
00:38:55,520 --> 00:38:57,000
Speaker 3: and what's the website where you can get the book,

763
00:38:57,040 --> 00:38:58,520
Speaker 3: is it You're rich bff dot com.

764
00:38:59,360 --> 00:39:01,080
Speaker 4: You can find it there, but just go to rich

765
00:39:01,160 --> 00:39:04,320
Speaker 4: af dot me because the U r L is obviously

766
00:39:04,360 --> 00:39:05,080
Speaker 4: a manifestation.

767
00:39:06,480 --> 00:39:06,920
Speaker 1: I love that.

768
00:39:07,560 --> 00:39:09,759
Speaker 3: I want to know because I do follow you on IG.

769
00:39:09,880 --> 00:39:12,280
Speaker 3: I know you're you're engaged, right. Are you planning a wedding?

770
00:39:13,400 --> 00:39:18,280
Speaker 3: Is it an extremely bougie international Italian wedding? Vivian Mandy.

771
00:39:18,840 --> 00:39:21,400
Speaker 2: I've been called out twice now on this podcast.

772
00:39:22,360 --> 00:39:25,520
Speaker 4: I came here for a good time, not to be victimized.

773
00:39:25,320 --> 00:39:29,640
Speaker 3: Asking for facts. Are you planning a wedding? Fact?

774
00:39:31,040 --> 00:39:31,560
Speaker 5: Tell me about you?

775
00:39:31,560 --> 00:39:33,560
Speaker 3: I want to hear about your partner though, and you've

776
00:39:33,600 --> 00:39:34,760
Speaker 3: been together a long time.

777
00:39:35,080 --> 00:39:35,520
Speaker 2: Yeah.

778
00:39:35,560 --> 00:39:40,040
Speaker 3: What has y'all's relation? How has your relationship changed, improved whatever,

779
00:39:40,200 --> 00:39:41,720
Speaker 3: over the course of you building this business.

780
00:39:41,719 --> 00:39:42,480
Speaker 5: I don't know what he does.

781
00:39:42,480 --> 00:39:43,720
Speaker 3: What's he do? Is he on Wall Street?

782
00:39:43,760 --> 00:39:43,920
Speaker 4: Is he?

783
00:39:44,200 --> 00:39:44,399
Speaker 2: Yeah?

784
00:39:45,160 --> 00:39:47,480
Speaker 4: Okay, I'll give you the tld R of my sweet

785
00:39:47,480 --> 00:39:52,240
Speaker 4: sweet man. We'll have been together for seven years in April,

786
00:39:53,080 --> 00:39:53,959
Speaker 4: so quite some time.

787
00:39:54,600 --> 00:39:55,799
Speaker 2: When we first met.

788
00:39:55,920 --> 00:39:58,200
Speaker 4: We met because we were both working on Wall Street

789
00:39:58,239 --> 00:40:00,560
Speaker 4: and he worked on the same team. Is my girl

790
00:40:00,640 --> 00:40:04,640
Speaker 4: roommate at the time, and they sat like caddy corner

791
00:40:04,680 --> 00:40:09,080
Speaker 4: to each other on the at the office, and so

792
00:40:09,400 --> 00:40:12,200
Speaker 4: I ended up meeting him one random night when I

793
00:40:12,239 --> 00:40:14,560
Speaker 4: went out with her. We were running around the bars

794
00:40:14,800 --> 00:40:17,880
Speaker 4: in downtown New York City as a young twenty something does.

795
00:40:18,280 --> 00:40:21,600
Speaker 2: And we hit it off like he was just like

796
00:40:21,680 --> 00:40:23,000
Speaker 2: the coolest, nicest guy.

797
00:40:23,760 --> 00:40:28,080
Speaker 4: And when we people ask us about our financial situation

798
00:40:28,280 --> 00:40:32,160
Speaker 4: quite a bit. When we first started dating, he made

799
00:40:32,320 --> 00:40:36,439
Speaker 4: much more money than I did, like two times, and

800
00:40:38,400 --> 00:40:43,120
Speaker 4: he was always so generous and never made me feel

801
00:40:43,280 --> 00:40:46,279
Speaker 4: any type of way about it, Like he paid for

802
00:40:46,400 --> 00:40:49,400
Speaker 4: all of our dinners out when we would go on vacation,

803
00:40:49,520 --> 00:40:53,160
Speaker 4: he would pay for more. Ultimately, when we ended up

804
00:40:53,200 --> 00:40:55,720
Speaker 4: moving in together, he paid a bigger percentage of rent.

805
00:40:56,400 --> 00:40:58,520
Speaker 2: He never made me feel.

806
00:40:58,239 --> 00:41:00,759
Speaker 4: Like my job was less important or that I was

807
00:41:00,840 --> 00:41:04,080
Speaker 4: less important, or that my career aspirations were not as

808
00:41:04,080 --> 00:41:07,160
Speaker 4: big as his or important because he made more money

809
00:41:07,680 --> 00:41:11,960
Speaker 4: and for the first like five years of our relationship,

810
00:41:12,080 --> 00:41:15,080
Speaker 4: he was the breadwinner and he almost at all times

811
00:41:15,080 --> 00:41:20,640
Speaker 4: made twice as much money as I did. In my

812
00:41:21,200 --> 00:41:24,440
Speaker 4: last year at BuzzFeed, I had a blowout year and

813
00:41:24,480 --> 00:41:25,400
Speaker 4: I publicly shared this.

814
00:41:25,440 --> 00:41:27,480
Speaker 2: I made over six hundred thousand dollars in a W

815
00:41:27,560 --> 00:41:28,040
Speaker 2: two job.

816
00:41:28,320 --> 00:41:29,000
Speaker 1: It's amazing.

817
00:41:29,320 --> 00:41:32,719
Speaker 4: And that was the first year we made roughly the same.

818
00:41:32,760 --> 00:41:34,680
Speaker 4: I made a little bit more. I eked him out by,

819
00:41:34,920 --> 00:41:39,959
Speaker 4: you know, twenty five grands, and he was really proud

820
00:41:40,000 --> 00:41:43,960
Speaker 4: of me. And I asked him really candidly at that time.

821
00:41:44,040 --> 00:41:47,439
Speaker 4: I was like, do you think anything's going to change

822
00:41:47,520 --> 00:41:48,879
Speaker 4: or would you feel weird if I.

823
00:41:48,880 --> 00:41:50,560
Speaker 2: Like made more money than you.

824
00:41:50,640 --> 00:41:53,760
Speaker 4: He goes, why would I feel weird about you making

825
00:41:53,760 --> 00:41:56,280
Speaker 4: more money? I will then have more money.

826
00:41:56,080 --> 00:41:57,480
Speaker 1: To spend, Like what do you mean?

827
00:41:58,840 --> 00:42:01,520
Speaker 2: And so he's always had this very very.

828
00:42:03,000 --> 00:42:06,000
Speaker 4: Just amazingly supportive attitude about what I do and what

829
00:42:06,040 --> 00:42:09,160
Speaker 4: I want to do. And when I finally decided to

830
00:42:09,239 --> 00:42:11,640
Speaker 4: quit my job, it was in part because I had

831
00:42:11,680 --> 00:42:15,160
Speaker 4: a golden parachute to rely on him. And he said,

832
00:42:15,160 --> 00:42:17,799
Speaker 4: he's like Vivian, no one has ever starved on a

833
00:42:17,840 --> 00:42:21,120
Speaker 4: Wall Street salary for two people, So like, go chase

834
00:42:21,160 --> 00:42:23,840
Speaker 4: your dreams. Like maybe we won't be able to end

835
00:42:23,920 --> 00:42:25,640
Speaker 4: up buying a home, or maybe we won't be able

836
00:42:25,680 --> 00:42:28,120
Speaker 4: to go on as many vacations or take as many ubers,

837
00:42:28,120 --> 00:42:30,360
Speaker 4: we'll have to take the subway, whatever, but like we

838
00:42:30,400 --> 00:42:32,239
Speaker 4: will still be able to live our life like go

839
00:42:32,480 --> 00:42:37,200
Speaker 4: chase that dream. And because of that, I was able

840
00:42:37,239 --> 00:42:39,359
Speaker 4: to and I make quite a bit more now than

841
00:42:39,400 --> 00:42:42,640
Speaker 4: he does, by like a factor of like four or

842
00:42:42,640 --> 00:42:48,840
Speaker 4: five times, and he again, the attitude has never changed.

843
00:42:49,560 --> 00:42:52,080
Speaker 4: I feel so grateful for that, because my mom even

844
00:42:52,120 --> 00:42:53,719
Speaker 4: told me that I should start lying to him about

845
00:42:53,760 --> 00:42:54,920
Speaker 4: how much I was making.

846
00:42:57,040 --> 00:42:57,279
Speaker 5: Good.

847
00:42:57,800 --> 00:43:00,440
Speaker 3: Yeah, yeah, yeah, because hide some hide some cash, make

848
00:43:00,480 --> 00:43:01,480
Speaker 3: sure you always know where it is.

849
00:43:01,600 --> 00:43:05,160
Speaker 1: The unenlightened man would feel like that, and I love

850
00:43:05,280 --> 00:43:08,960
Speaker 1: that he provided so in therapy. So Mandy has this

851
00:43:09,000 --> 00:43:12,080
Speaker 1: all reading this book called attached, and so that's called

852
00:43:12,120 --> 00:43:16,120
Speaker 1: like a secure attachment or a secure base. That when

853
00:43:16,160 --> 00:43:18,239
Speaker 1: you have this base, it's like you know, when you're

854
00:43:18,239 --> 00:43:20,760
Speaker 1: a little kid and you're like, you're good at the playground.

855
00:43:20,760 --> 00:43:22,319
Speaker 1: As long as you can see your mom. You don't

856
00:43:22,320 --> 00:43:24,439
Speaker 1: need her touch you, you don't need your hand, but you're

857
00:43:24,480 --> 00:43:25,200
Speaker 1: playing like where's she?

858
00:43:25,239 --> 00:43:25,399
Speaker 4: Oh?

859
00:43:25,400 --> 00:43:25,880
Speaker 1: There she is?

860
00:43:26,040 --> 00:43:26,120
Speaker 2: Oh?

861
00:43:26,120 --> 00:43:28,200
Speaker 1: Where she The moment that your mom goes to the

862
00:43:28,200 --> 00:43:29,920
Speaker 1: car to get something, you freak out. You don't want

863
00:43:29,920 --> 00:43:31,960
Speaker 1: to play, you don't want to And as soon as

864
00:43:31,960 --> 00:43:34,960
Speaker 1: she's with an eyeshot, you're good. And so you know,

865
00:43:35,920 --> 00:43:38,200
Speaker 1: my late husband he didn't make a ton of money,

866
00:43:38,239 --> 00:43:40,759
Speaker 1: but he provided secure base like that, like I got

867
00:43:40,800 --> 00:43:45,279
Speaker 1: the bills, go ahead and chase and so you know.

868
00:43:45,440 --> 00:43:48,200
Speaker 1: Oh so I had my first seven figure year and

869
00:43:48,239 --> 00:43:51,080
Speaker 1: then an eight figure year, and I realized, like it's

870
00:43:51,160 --> 00:43:54,400
Speaker 1: because I had a golden parachute, although not because we

871
00:43:54,480 --> 00:43:56,720
Speaker 1: had a ton of money, but there's just the secure

872
00:43:56,719 --> 00:44:00,200
Speaker 1: base if somebody's got me. And so I think that,

873
00:44:00,880 --> 00:44:03,279
Speaker 1: you know, in this world where it's like so then

874
00:44:03,320 --> 00:44:05,440
Speaker 1: against women, I don't know, these gender worlds are just

875
00:44:05,600 --> 00:44:08,440
Speaker 1: crazy right now. It's so nice to hear that it

876
00:44:08,520 --> 00:44:12,000
Speaker 1: is possible to find someone that can provide you with

877
00:44:12,080 --> 00:44:14,640
Speaker 1: a secure base, whether they make a lot or a little,

878
00:44:14,640 --> 00:44:17,160
Speaker 1: that the security is not as much about the money

879
00:44:17,160 --> 00:44:19,200
Speaker 1: as it is about the support. So I love that

880
00:44:19,239 --> 00:44:21,400
Speaker 1: you have that. Vivian, Yeah, thank you.

881
00:44:21,480 --> 00:44:23,880
Speaker 3: Thanks for going into the reason I was asking I

882
00:44:23,880 --> 00:44:27,440
Speaker 3: should have started with. This is just because partnership is

883
00:44:27,000 --> 00:44:31,080
Speaker 3: is a part of your entrepreneurial journey, anyone's and just

884
00:44:31,160 --> 00:44:36,400
Speaker 3: your just life journey, and they really can help you

885
00:44:36,480 --> 00:44:39,840
Speaker 3: become the richest in more ways than one version of

886
00:44:39,880 --> 00:44:43,120
Speaker 3: yourself or not. So shout out to the partners you know,

887
00:44:43,160 --> 00:44:46,759
Speaker 3: whatever gender they are. Whatever identity. The partners who are

888
00:44:47,040 --> 00:44:50,320
Speaker 3: who are that you know, security are also the partners

889
00:44:50,320 --> 00:44:52,759
Speaker 3: who just carry the insurance like shout out to husband.

890
00:44:52,680 --> 00:44:56,839
Speaker 2: Yeah, I'm also on insurance. Thank you so much.

891
00:44:59,160 --> 00:45:02,400
Speaker 1: I'm in gold, honey. I was like, what come I

892
00:45:02,440 --> 00:45:04,320
Speaker 1: husband work for the state over the city, but it

893
00:45:04,360 --> 00:45:06,399
Speaker 1: was stayed in Sheriff. I mean I could get acupuncture,

894
00:45:06,760 --> 00:45:09,040
Speaker 1: like office is short. I'm like whatever, I'm like, babe,

895
00:45:09,040 --> 00:45:10,359
Speaker 1: that is the coin right there.

896
00:45:10,360 --> 00:45:13,880
Speaker 4: Okay, But the good benefits, Yes.

897
00:45:14,480 --> 00:45:16,120
Speaker 1: It's funny as you can tell you get older when

898
00:45:16,120 --> 00:45:19,600
Speaker 1: you're like, oh, what are the benefits? Look like physical therapy,

899
00:45:19,640 --> 00:45:24,880
Speaker 1: physical therapy, Yeah, just a therapy in general. Now, I

900
00:45:24,960 --> 00:45:28,440
Speaker 1: love that, and I just love that because back in

901
00:45:28,520 --> 00:45:32,880
Speaker 1: Mardin when when when financial education started, there was nobody.

902
00:45:33,560 --> 00:45:35,640
Speaker 2: Yeah, you're an og, you know that.

903
00:45:35,760 --> 00:45:37,719
Speaker 1: I mean I just I didn't you know, at the time,

904
00:45:37,719 --> 00:45:40,560
Speaker 1: you don't realize you're an og. You know that's what's happening.

905
00:45:40,719 --> 00:45:42,680
Speaker 1: I do remember being able to count on one hand

906
00:45:42,719 --> 00:45:45,440
Speaker 1: and I knew everyone are. You Literally were going to

907
00:45:45,520 --> 00:45:47,640
Speaker 1: the room, You're like, oh there's Mandy, Oh there's Sandy,

908
00:45:48,040 --> 00:45:50,440
Speaker 1: Oh there's and you can there's for trees and so

909
00:45:50,920 --> 00:45:55,799
Speaker 1: you could count everyone, and honestly, it just it was

910
00:45:55,880 --> 00:45:58,600
Speaker 1: really hard because you just felt like you weren't taken seriously.

911
00:45:58,719 --> 00:46:03,280
Speaker 1: And now I could even pretend to count how many

912
00:46:03,560 --> 00:46:07,560
Speaker 1: non white male financial educators there, And I'm so delighted

913
00:46:07,600 --> 00:46:10,719
Speaker 1: by that. Like, there's so many choices. If you want

914
00:46:10,719 --> 00:46:13,520
Speaker 1: to see yourself, if you are, you know, whatever gender

915
00:46:13,560 --> 00:46:17,759
Speaker 1: you are, whatever your sexual orientation is, whatever race you are,

916
00:46:17,880 --> 00:46:21,440
Speaker 1: whatever that is, you can find representation of yourself and

917
00:46:21,480 --> 00:46:25,279
Speaker 1: be like, oh, there I am, like she he they

918
00:46:25,320 --> 00:46:28,400
Speaker 1: sound like me. I too. Come from an immigrant background,

919
00:46:28,520 --> 00:46:30,960
Speaker 1: or my mom was a single mom, or I came

920
00:46:30,960 --> 00:46:33,359
Speaker 1: from a lot of money, whatever that is. You can

921
00:46:33,400 --> 00:46:36,040
Speaker 1: find someone that can help guide you through your financial journey.

922
00:46:36,120 --> 00:46:38,239
Speaker 1: So I love that you get to show up as

923
00:46:38,280 --> 00:46:41,719
Speaker 1: yourself and that people are just responding as they ought to.

924
00:46:42,520 --> 00:46:44,120
Speaker 2: Yeah, I love that.

925
00:46:44,280 --> 00:46:47,440
Speaker 4: I also love that, like there is such like a

926
00:46:47,480 --> 00:46:53,959
Speaker 4: good community of folks and especially women supporting each other.

927
00:46:54,120 --> 00:46:57,080
Speaker 4: I mean, I mean Mandy and I are dming back

928
00:46:57,120 --> 00:47:00,319
Speaker 4: and forth about what we're charging brands, what we're what

929
00:47:00,400 --> 00:47:02,879
Speaker 4: we're doing with partnerships, like what we're planning on doing

930
00:47:02,920 --> 00:47:05,080
Speaker 4: with books, and like all of that. And you know,

931
00:47:05,719 --> 00:47:08,600
Speaker 4: when you feel comfortable enough to ask your friends and

932
00:47:08,680 --> 00:47:09,880
Speaker 4: peers those questions.

933
00:47:10,320 --> 00:47:12,040
Speaker 2: Like that's a positive thing.

934
00:47:12,360 --> 00:47:15,640
Speaker 3: No, it is, it's necessary, Like, yeah, thank you for

935
00:47:16,560 --> 00:47:19,560
Speaker 3: thank you for answering and for being open to that

936
00:47:19,600 --> 00:47:21,600
Speaker 3: because I think when you it's hard making new friends

937
00:47:21,640 --> 00:47:23,680
Speaker 3: in your adulthood and you don't always know what the

938
00:47:23,760 --> 00:47:25,960
Speaker 3: vibe is going to be like if you, you know,

939
00:47:26,080 --> 00:47:28,160
Speaker 3: get to a space where you can peek behind the

940
00:47:28,160 --> 00:47:30,839
Speaker 3: curtain a little bit. So yeah, thanks for just being

941
00:47:30,840 --> 00:47:33,040
Speaker 3: a great example of you can have those types of

942
00:47:33,080 --> 00:47:35,920
Speaker 3: conversations even if you don't know someone like on a

943
00:47:35,960 --> 00:47:38,960
Speaker 3: deeper level. But I'm always going to get to know

944
00:47:38,960 --> 00:47:40,480
Speaker 3: people on a deeper level. So tell me about your

945
00:47:40,520 --> 00:47:44,680
Speaker 3: parents today. What is the relationship like with your folks today?

946
00:47:44,719 --> 00:47:46,640
Speaker 3: Do they are they like? I don't know, Tiffany, when

947
00:47:46,640 --> 00:47:48,640
Speaker 3: did you Did your dad think you're successful?

948
00:47:48,719 --> 00:47:48,919
Speaker 2: Now?

949
00:47:49,520 --> 00:47:51,600
Speaker 1: After the house and cash?

950
00:47:51,680 --> 00:47:54,000
Speaker 3: Okay, so vibe and have you had the moment yet?

951
00:47:54,080 --> 00:47:56,040
Speaker 3: Do your parents think you're a success?

952
00:47:56,280 --> 00:47:56,960
Speaker 5: What are they thinking?

953
00:47:57,239 --> 00:48:02,400
Speaker 4: Okay, So first off, Tiffany stole my thun but I didn't. No, no, no, no,

954
00:48:02,520 --> 00:48:05,799
Speaker 4: hell no, okay, I can't afford that shit. But I

955
00:48:05,840 --> 00:48:09,160
Speaker 4: did send my parents on an all expenses paid trip

956
00:48:09,200 --> 00:48:13,080
Speaker 4: for their thirtieth wedding anniversary and they're like texting me

957
00:48:13,160 --> 00:48:13,960
Speaker 4: photos of.

958
00:48:14,000 --> 00:48:17,640
Speaker 2: Like I think they were like in like Newfoundland or something.

959
00:48:17,640 --> 00:48:21,319
Speaker 4: Anyway, there was like this massive boulder thing and my

960
00:48:21,440 --> 00:48:23,399
Speaker 4: dad put his hands up against it and like there's

961
00:48:23,440 --> 00:48:24,000
Speaker 4: like a photo of.

962
00:48:24,000 --> 00:48:25,400
Speaker 2: Him pretending like he's.

963
00:48:25,200 --> 00:48:27,880
Speaker 4: Pushing it, like you know what I mean, and like

964
00:48:27,920 --> 00:48:32,040
Speaker 4: these silly parent photos. But it was so nice to

965
00:48:32,120 --> 00:48:36,279
Speaker 4: see them having fun and doing things that frankly, we

966
00:48:36,320 --> 00:48:39,319
Speaker 4: couldn't afford to do when I was a kid. And

967
00:48:40,440 --> 00:48:42,360
Speaker 4: you know, Mandy, you mentioned you listened to the podcast

968
00:48:42,400 --> 00:48:47,120
Speaker 4: where I talk about my parents. My mom brings up

969
00:48:47,719 --> 00:48:50,880
Speaker 4: my swim team from childhood all the time.

970
00:48:52,200 --> 00:48:53,719
Speaker 5: That was in my notes that I can't find.

971
00:48:53,719 --> 00:48:55,080
Speaker 3: I forgot. Thanks for bringing it up.

972
00:48:55,200 --> 00:48:55,640
Speaker 2: Yeah.

973
00:48:55,680 --> 00:48:57,919
Speaker 4: So when I was on the swim team as a kid,

974
00:48:58,239 --> 00:49:01,759
Speaker 4: the colors of the team were black and green, and the.

975
00:49:01,800 --> 00:49:04,560
Speaker 2: Suit was a tear speed suit that's like.

976
00:49:04,560 --> 00:49:09,080
Speaker 4: A brand and they're not cheap because they're you know,

977
00:49:09,120 --> 00:49:10,160
Speaker 4: professional sources.

978
00:49:12,239 --> 00:49:14,239
Speaker 2: My parents paid like.

979
00:49:14,200 --> 00:49:16,080
Speaker 4: The registration fee for me to be already on the

980
00:49:16,120 --> 00:49:17,640
Speaker 4: swim team, so they were like, why do we need

981
00:49:17,680 --> 00:49:18,360
Speaker 4: to buy a suit.

982
00:49:18,840 --> 00:49:19,719
Speaker 2: So I wore a.

983
00:49:19,640 --> 00:49:25,120
Speaker 4: Bright pink suit from Costco, And there's a team photo

984
00:49:25,200 --> 00:49:27,759
Speaker 4: that my mom has kept to this day. And you

985
00:49:27,800 --> 00:49:30,760
Speaker 4: see in this photo everybody in this green and black

986
00:49:30,800 --> 00:49:36,000
Speaker 4: suit and I stick out like a pink sum And

987
00:49:36,560 --> 00:49:40,800
Speaker 4: you know, my mom mentions that that situation like probably

988
00:49:41,360 --> 00:49:42,960
Speaker 4: I want to say that once a year, and she

989
00:49:43,040 --> 00:49:44,759
Speaker 4: looks so sad when she mentions it.

990
00:49:44,800 --> 00:49:46,640
Speaker 2: She's like, she's like, we should have just.

991
00:49:46,560 --> 00:49:49,719
Speaker 4: Bought that suit, huh like, And I'm like, Mom, it's okay, Like,

992
00:49:49,800 --> 00:49:50,479
Speaker 4: don't want your.

993
00:49:50,360 --> 00:49:56,760
Speaker 1: College education, right, that's her Roman empire, the thing that's.

994
00:49:55,120 --> 00:49:56,720
Speaker 2: That is her Roman empire.

995
00:49:57,520 --> 00:50:00,520
Speaker 4: And so now for me to be to do the

996
00:50:00,560 --> 00:50:04,600
Speaker 4: things that they couldn't even do for me for them,

997
00:50:04,880 --> 00:50:06,920
Speaker 4: it's very full circle. And it feels really.

998
00:50:06,719 --> 00:50:09,279
Speaker 1: Good, doesn't it, though, especially when you have parents that

999
00:50:09,320 --> 00:50:11,080
Speaker 1: really I mean, I think we've all of us have

1000
00:50:11,280 --> 00:50:13,600
Speaker 1: parents that really just.

1001
00:50:13,800 --> 00:50:18,520
Speaker 3: Parents don't listen to this, like, so, where's our vacation,

1002
00:50:19,680 --> 00:50:23,160
Speaker 3: here's my mortgage statement. I got two kids in daycare,

1003
00:50:23,320 --> 00:50:24,400
Speaker 3: so keep going.

1004
00:50:24,560 --> 00:50:26,920
Speaker 1: No, it was like, just honestly, to be able to

1005
00:50:26,960 --> 00:50:30,040
Speaker 1: look after your parents. It's really just like the best feeling,

1006
00:50:30,200 --> 00:50:32,360
Speaker 1: especially when you have parents that you know, scrape and

1007
00:50:32,960 --> 00:50:34,680
Speaker 1: you know it's one thing like they had to trust fund.

1008
00:50:34,680 --> 00:50:36,239
Speaker 1: But it's like, no, these are parents that got it

1009
00:50:36,239 --> 00:50:38,279
Speaker 1: out of the mud, and you know how hard they

1010
00:50:38,320 --> 00:50:41,080
Speaker 1: worked and to be able to mind my job. Now,

1011
00:50:41,160 --> 00:50:43,600
Speaker 1: especially for my mom, was I want her to I

1012
00:50:43,640 --> 00:50:45,680
Speaker 1: want she's in her soft girl girl era.

1013
00:50:45,840 --> 00:50:49,239
Speaker 4: I love, Yeah, talk about talked about soft girl era

1014
00:50:49,320 --> 00:50:50,160
Speaker 4: and I loved it.

1015
00:50:50,239 --> 00:50:52,279
Speaker 1: Yes, I just love that. She's like my mom will

1016
00:50:52,360 --> 00:50:54,520
Speaker 1: so I send them money every month. So my dad, like,

1017
00:50:54,680 --> 00:50:56,920
Speaker 1: you know, he was an accountant CFO. So as far

1018
00:50:56,960 --> 00:51:00,239
Speaker 1: as their day to day monthly expenses, that's taken care

1019
00:51:00,360 --> 00:51:02,839
Speaker 1: because he managed their money well. Once I paid off

1020
00:51:02,840 --> 00:51:05,560
Speaker 1: their house, they're fine. But I really wanted her to

1021
00:51:05,640 --> 00:51:09,040
Speaker 1: have money beyond we're fine. I want her to have

1022
00:51:09,160 --> 00:51:11,719
Speaker 1: hair done, nails done, everything did money, Yes, you know,

1023
00:51:12,280 --> 00:51:14,040
Speaker 1: So I send her, you know, money every month. And

1024
00:51:14,080 --> 00:51:15,480
Speaker 1: of course because I send her, I got to send

1025
00:51:15,560 --> 00:51:17,520
Speaker 1: him even though he doesn't do anything with it. My

1026
00:51:17,560 --> 00:51:19,080
Speaker 1: dad's in his eighties. He just like gives it to

1027
00:51:19,080 --> 00:51:21,480
Speaker 1: people in Nigeria, which I'm like, that's your business. But

1028
00:51:21,520 --> 00:51:23,440
Speaker 1: my mom, I love when I see her in a

1029
00:51:23,440 --> 00:51:25,920
Speaker 1: new outfit, She's like, I guess how much this costs?

1030
00:51:26,000 --> 00:51:28,200
Speaker 1: I'm like, I don't know, mommy, how much this tip?

1031
00:51:28,280 --> 00:51:28,440
Speaker 4: Right?

1032
00:51:28,520 --> 00:51:31,800
Speaker 1: It was six hundred dollars. I'm like, okay, it's a

1033
00:51:31,880 --> 00:51:34,319
Speaker 1: life way. I'm like, mommy, you got it said, She's

1034
00:51:34,360 --> 00:51:37,480
Speaker 1: like I do, I don't, I know. And I love

1035
00:51:37,560 --> 00:51:40,280
Speaker 1: that for her because she never it doesn't happen often,

1036
00:51:40,400 --> 00:51:43,160
Speaker 1: but Nigerian clothes in particular, you know, you get them tailored,

1037
00:51:44,120 --> 00:51:46,640
Speaker 1: and so she's never been able to just splurge in

1038
00:51:46,680 --> 00:51:49,200
Speaker 1: this way without the worry. And so I want that

1039
00:51:49,280 --> 00:51:51,400
Speaker 1: for her. I want her to not have to worry,

1040
00:51:51,640 --> 00:51:54,359
Speaker 1: to know that even if something big does happen, I

1041
00:51:54,360 --> 00:51:55,880
Speaker 1: can take care of it. I always tell them that,

1042
00:51:55,920 --> 00:51:58,000
Speaker 1: like something happens to the house, you know, the boiler

1043
00:51:58,040 --> 00:52:00,359
Speaker 1: goes out, don't freak out. I will take care of it.

1044
00:52:00,800 --> 00:52:02,600
Speaker 1: You are here to live the rest of your life

1045
00:52:02,640 --> 00:52:05,799
Speaker 1: in ease and comfort, and so like that is the

1046
00:52:05,880 --> 00:52:08,760
Speaker 1: thing that like to me, that is what rich Af

1047
00:52:08,960 --> 00:52:12,799
Speaker 1: looks like for me. Yeah, but it's like no, no, no,

1048
00:52:12,920 --> 00:52:15,879
Speaker 1: to know that, Like okay, especially like I said, because

1049
00:52:15,880 --> 00:52:17,560
Speaker 1: my dad's been chilling his whole damn life. I feel

1050
00:52:17,560 --> 00:52:20,600
Speaker 1: like because he's been spoiled with four daughters, five daughters,

1051
00:52:20,719 --> 00:52:23,400
Speaker 1: and my mom. But my mom in particular I'm just like.

1052
00:52:23,239 --> 00:52:24,800
Speaker 2: A man blessed beyond measure.

1053
00:52:25,040 --> 00:52:27,719
Speaker 1: I mean, because when you have daughters, let me tell

1054
00:52:27,719 --> 00:52:28,160
Speaker 1: you something.

1055
00:52:30,040 --> 00:52:33,239
Speaker 3: Meanwhile, I got two boys, and I'm no, but I'm

1056
00:52:33,280 --> 00:52:36,080
Speaker 3: going I'm like, you know why, I'll go. I won't

1057
00:52:36,080 --> 00:52:38,000
Speaker 3: go on a tangent too long. Sorry, just a little.

1058
00:52:38,040 --> 00:52:40,160
Speaker 3: I open new tabs all the time. I can't stop myself.

1059
00:52:40,560 --> 00:52:43,040
Speaker 5: But let me mothers. We got to make the boys better.

1060
00:52:43,320 --> 00:52:46,919
Speaker 3: It's a huge responsibility to raise good boys, good men

1061
00:52:47,080 --> 00:52:49,400
Speaker 3: who don't get Oh, well, you know, I should have

1062
00:52:49,440 --> 00:52:50,080
Speaker 3: had daughters.

1063
00:52:50,120 --> 00:52:51,120
Speaker 5: The boys never come around.

1064
00:52:51,360 --> 00:52:53,359
Speaker 3: Teach him how to come around, do it?

1065
00:52:53,600 --> 00:52:57,120
Speaker 1: Know what I'm saying, Yeah, because you can just really yeah,

1066
00:52:57,280 --> 00:52:57,760
Speaker 1: I agree.

1067
00:52:57,800 --> 00:52:59,120
Speaker 3: Do you have siblings for me? And I don't think

1068
00:52:59,160 --> 00:52:59,920
Speaker 3: I asked you that before.

1069
00:53:00,200 --> 00:53:01,160
Speaker 2: I'm an only.

1070
00:53:01,000 --> 00:53:12,279
Speaker 6: Child, not even It's like at the time, like, I

1071
00:53:12,320 --> 00:53:14,239
Speaker 6: don't think that they were in a financial place to

1072
00:53:14,320 --> 00:53:18,520
Speaker 6: have a second kid say that, And so they were like,

1073
00:53:18,560 --> 00:53:19,520
Speaker 6: you know what, we got one.

1074
00:53:19,880 --> 00:53:20,920
Speaker 2: We'll see how it goes.

1075
00:53:21,120 --> 00:53:23,319
Speaker 4: And then by the time when they were in a

1076
00:53:23,360 --> 00:53:25,600
Speaker 4: place to maybe have a second kid, they were like,

1077
00:53:25,640 --> 00:53:26,360
Speaker 4: do you want a sibling?

1078
00:53:26,400 --> 00:53:27,520
Speaker 2: And I was like absolutely not.

1079
00:53:30,560 --> 00:53:32,759
Speaker 1: The only childhoods of like, well, these toys are mine.

1080
00:53:32,880 --> 00:53:37,719
Speaker 4: So literally, I was like, no, the attention is on me.

1081
00:53:37,800 --> 00:53:39,399
Speaker 4: I was like the weirdo who was like, Mom, watch

1082
00:53:39,480 --> 00:53:41,640
Speaker 4: me do this cartwheel like for the four hundredth time.

1083
00:53:41,719 --> 00:53:44,080
Speaker 4: Like she was like, Okay, I've seen it, so.

1084
00:53:44,600 --> 00:53:47,799
Speaker 1: Well, what if you had one one big wish for

1085
00:53:47,840 --> 00:53:51,560
Speaker 1: our audience as relates to reading your book and following

1086
00:53:51,600 --> 00:53:55,040
Speaker 1: on social like, what do you hope that they achieve

1087
00:53:55,160 --> 00:53:57,600
Speaker 1: as a result of like you being here in this space.

1088
00:53:58,400 --> 00:53:58,720
Speaker 6: Hmmm?

1089
00:54:01,920 --> 00:54:08,560
Speaker 4: I hope that they can achieve the understanding that it's

1090
00:54:08,600 --> 00:54:15,359
Speaker 4: okay just to be good enough in many cases. So

1091
00:54:16,920 --> 00:54:18,680
Speaker 4: this was truly something that like when I learned it

1092
00:54:18,760 --> 00:54:23,120
Speaker 4: changed my life. Reshma saw Johnny. She's the founder of

1093
00:54:23,160 --> 00:54:27,600
Speaker 4: Girls Who Code. Girls at Code is a nonprofit. It

1094
00:54:27,640 --> 00:54:31,279
Speaker 4: teaches young young students at the beginning and now young

1095
00:54:31,320 --> 00:54:34,440
Speaker 4: women how to you know, essentially computer science.

1096
00:54:34,920 --> 00:54:36,720
Speaker 2: And when they were first.

1097
00:54:36,640 --> 00:54:39,359
Speaker 4: Teaching a bunch of young students how to code, they

1098
00:54:39,360 --> 00:54:42,040
Speaker 4: would say, like, write a line of code, and then

1099
00:54:42,080 --> 00:54:43,600
Speaker 4: the instructor would walk around the room and all the

1100
00:54:43,640 --> 00:54:45,239
Speaker 4: boys would have like written a line of code, and

1101
00:54:45,320 --> 00:54:48,759
Speaker 4: all the girls like the screens would be empty and

1102
00:54:48,800 --> 00:54:50,920
Speaker 4: they'd be like, what the like are these girls like

1103
00:54:50,960 --> 00:54:52,319
Speaker 4: not listening or like what's going on?

1104
00:54:52,680 --> 00:54:53,759
Speaker 2: Ran the key strokes back.

1105
00:54:53,920 --> 00:54:56,719
Speaker 4: Turns out those girls had written lines of code deleted them,

1106
00:54:57,080 --> 00:54:58,719
Speaker 4: lines of code deleted them because they didn't want to

1107
00:54:58,719 --> 00:55:01,920
Speaker 4: be wrong. And so I think one thing that we

1108
00:55:01,960 --> 00:55:04,880
Speaker 4: can all take away, both within our money and in

1109
00:55:04,920 --> 00:55:12,560
Speaker 4: our career, it's like, sometimes perfect is the enemy of done,

1110
00:55:12,719 --> 00:55:17,839
Speaker 4: and we want to be taking little steps forward constantly.

1111
00:55:18,040 --> 00:55:21,360
Speaker 4: This isn't about running a mile or running a marathon. Frankly,

1112
00:55:21,760 --> 00:55:23,680
Speaker 4: it's about can you get to the end of the

1113
00:55:23,680 --> 00:55:26,040
Speaker 4: block where the fire hydrant is? This is what I

1114
00:55:26,040 --> 00:55:27,799
Speaker 4: think about when I'm running by the way, I'm like, okay,

1115
00:55:27,840 --> 00:55:29,360
Speaker 4: just to the tree, Just to the tree, Just to

1116
00:55:29,400 --> 00:55:31,480
Speaker 4: the stop sign, just to the stop sign. Like that's

1117
00:55:31,560 --> 00:55:34,120
Speaker 4: essentially your life, right, you are just running to that

1118
00:55:34,200 --> 00:55:39,480
Speaker 4: next item. And I think it's really powerful to remember

1119
00:55:39,600 --> 00:55:47,360
Speaker 4: that we should reward and encourage boldness and good, brave

1120
00:55:47,760 --> 00:55:51,840
Speaker 4: decision making over being perfect all the time. There's no

1121
00:55:51,920 --> 00:55:54,279
Speaker 4: such thing as the perfect hi old savings account. There

1122
00:55:54,320 --> 00:55:56,239
Speaker 4: are great high old savings accounts out there, and there

1123
00:55:56,239 --> 00:55:58,600
Speaker 4: are so many of them. There's no such thing as

1124
00:55:58,600 --> 00:56:02,120
Speaker 4: the perfect job. Some great jobs out there, many of

1125
00:56:02,160 --> 00:56:03,920
Speaker 4: them that pay very well where you can learn and

1126
00:56:03,960 --> 00:56:10,560
Speaker 4: you can earn. But sometimes we overthink and we are

1127
00:56:10,560 --> 00:56:11,800
Speaker 4: our own worst enemies.

1128
00:56:12,120 --> 00:56:13,960
Speaker 2: And so for once, just like.

1129
00:56:14,080 --> 00:56:16,880
Speaker 4: Give yourself like a little bit of grace and a

1130
00:56:16,880 --> 00:56:18,359
Speaker 4: little bit of encouragement.

1131
00:56:18,680 --> 00:56:20,080
Speaker 2: You are doing the best you can.

1132
00:56:20,520 --> 00:56:22,800
Speaker 4: And then on top of that, like when there is

1133
00:56:22,840 --> 00:56:25,760
Speaker 4: an opportunity that comes up, don't be shy about swinging

1134
00:56:25,760 --> 00:56:26,440
Speaker 4: for the fences.

1135
00:56:27,360 --> 00:56:31,359
Speaker 1: Thank you. So, where can the girlies find you? Where

1136
00:56:31,360 --> 00:56:32,920
Speaker 1: can they find your book? I know I have it too.

1137
00:56:32,920 --> 00:56:35,960
Speaker 1: I'm like, oh wait, wait, hold on, we have to

1138
00:56:35,960 --> 00:56:39,000
Speaker 1: get like a screenshot screenshop.

1139
00:56:39,440 --> 00:56:43,719
Speaker 4: Wait, kids, you can find my book at richaf dot me.

1140
00:56:44,040 --> 00:56:47,600
Speaker 4: The u url is basically a manifestation and you can

1141
00:56:47,640 --> 00:56:49,719
Speaker 4: find me all over social media.

1142
00:56:49,480 --> 00:56:51,239
Speaker 2: As your rich bff.

1143
00:56:51,440 --> 00:56:52,479
Speaker 1: It's love good.

1144
00:56:52,760 --> 00:56:53,799
Speaker 3: The book smells great.

1145
00:56:54,320 --> 00:56:56,200
Speaker 2: Oh really, I thought it was kind of stinky smell like.

1146
00:56:56,120 --> 00:56:57,920
Speaker 5: That, but that new book smell.

1147
00:56:58,880 --> 00:57:00,640
Speaker 3: It is a little stinky. I know that, But that

1148
00:57:01,040 --> 00:57:02,680
Speaker 3: is this. I can't wait to go to my local

1149
00:57:02,680 --> 00:57:04,560
Speaker 3: Burns and Noble and make sure it's on the front

1150
00:57:04,800 --> 00:57:06,120
Speaker 3: where I'm sure it will be with the New York

1151
00:57:06,160 --> 00:57:09,200
Speaker 3: Times bestsellers. But I'll make sure of it. Request it

1152
00:57:09,239 --> 00:57:12,359
Speaker 3: from your library, Yes, wait, are you still on tour?

1153
00:57:12,400 --> 00:57:12,880
Speaker 5: What's happening?

1154
00:57:12,920 --> 00:57:14,719
Speaker 3: Are you Taylor Swifting? Are you taking a break and

1155
00:57:14,800 --> 00:57:15,640
Speaker 3: come back in Tokyo?

1156
00:57:15,840 --> 00:57:16,040
Speaker 5: Like what?

1157
00:57:16,200 --> 00:57:21,640
Speaker 2: I have more respect for Beyonce and Taylor Swift. Touring sucks.

1158
00:57:22,560 --> 00:57:23,520
Speaker 2: Touring is like really hard.

1159
00:57:23,520 --> 00:57:25,600
Speaker 4: I'm gonna be so honest because you're barely in a

1160
00:57:25,640 --> 00:57:28,360
Speaker 4: city for more than twenty four hours onto the next one.

1161
00:57:28,720 --> 00:57:30,880
Speaker 4: You don't get to enjoy anything, and then you're just

1162
00:57:30,920 --> 00:57:34,040
Speaker 4: like hair makeup, onto the on the show, like whatever.

1163
00:57:35,920 --> 00:57:43,200
Speaker 2: I have Miami stopped this Friday, then I have SF stop.

1164
00:57:44,520 --> 00:57:47,360
Speaker 4: The following week. I do take a little pit stop

1165
00:57:47,360 --> 00:57:50,280
Speaker 4: at the University of Minnesota. I got a shoot coming

1166
00:57:50,360 --> 00:57:52,760
Speaker 4: up in La I mean, I'm oh, I have to go.

1167
00:57:52,800 --> 00:57:54,400
Speaker 4: Oh bandy, you asked about my wedding. I gotta go

1168
00:57:54,440 --> 00:57:55,760
Speaker 4: to Italy to finish planning it.

1169
00:57:56,560 --> 00:57:57,640
Speaker 2: I am so tired.

1170
00:57:57,880 --> 00:57:58,600
Speaker 5: Is it this summer?

1171
00:57:59,040 --> 00:58:02,000
Speaker 2: It's this It's not.

1172
00:58:01,920 --> 00:58:06,200
Speaker 3: A June wedding in Italy? Oh god, yeah, every girl fantasy.

1173
00:58:06,320 --> 00:58:07,800
Speaker 2: We've already thought about it three times.

1174
00:58:07,840 --> 00:58:11,240
Speaker 3: So oh, what are you enjoying? Like, what what are

1175
00:58:11,280 --> 00:58:13,760
Speaker 3: you enjoying about the process? Like you got to enjoy something.

1176
00:58:14,960 --> 00:58:16,600
Speaker 3: It's not all hell right.

1177
00:58:16,640 --> 00:58:20,680
Speaker 1: I'm tired, Like, I hope that you play.

1178
00:58:20,760 --> 00:58:22,360
Speaker 5: Wait, what's that face? I don't know you well enough.

1179
00:58:22,360 --> 00:58:23,200
Speaker 3: What face are you making?

1180
00:58:23,200 --> 00:58:25,280
Speaker 1: It's like I'm not enjoying its joying it.

1181
00:58:25,280 --> 00:58:25,880
Speaker 2: It's horrible.

1182
00:58:26,560 --> 00:58:30,000
Speaker 5: So I hope that you change that you have time.

1183
00:58:30,320 --> 00:58:34,720
Speaker 1: You have bacon. That's some real rest downtime, you know, post.

1184
00:58:34,640 --> 00:58:37,440
Speaker 3: Yeah, enjoy yah because you keep.

1185
00:58:37,360 --> 00:58:38,600
Speaker 1: Running so you don't want to do that.

1186
00:58:38,640 --> 00:58:39,400
Speaker 5: I know what you need and.

1187
00:58:39,520 --> 00:58:42,840
Speaker 2: Is planning on taking March very very off.

1188
00:58:43,600 --> 00:58:45,640
Speaker 3: I know what you need, though, I think someone needs

1189
00:58:45,680 --> 00:58:47,640
Speaker 3: to be collecting the stories of the people that you

1190
00:58:47,760 --> 00:58:50,680
Speaker 3: are in those rooms that you're touring, collecting like what

1191
00:58:50,720 --> 00:58:51,960
Speaker 3: did it mean for you to Vivian?

1192
00:58:51,960 --> 00:58:52,800
Speaker 5: To be what you need?

1193
00:58:52,960 --> 00:58:56,480
Speaker 3: Is like you're working. It's work, but it's also like

1194
00:58:56,600 --> 00:59:00,680
Speaker 3: the ripples and like the vibe rainbow, kind of like

1195
00:59:00,800 --> 00:59:03,040
Speaker 3: trailing behind you as you jut off to the next city.

1196
00:59:03,120 --> 00:59:05,840
Speaker 3: I feel like that is the the magic that people

1197
00:59:05,920 --> 00:59:09,000
Speaker 3: kind of sit with afterward. And thanks, thanks for thanks

1198
00:59:09,040 --> 00:59:11,440
Speaker 3: for doing that work and exhausting yourself, but yes, and

1199
00:59:11,480 --> 00:59:14,040
Speaker 3: also hopefully you get to pour back in yes a

1200
00:59:14,080 --> 00:59:16,600
Speaker 3: little in the meantime, Thank you.

1201
00:59:16,680 --> 00:59:17,480
Speaker 2: So much for having me.

1202
00:59:17,560 --> 00:59:20,120
Speaker 1: No, thanks for being here, all right, bro? We're gonna

1203
00:59:20,120 --> 00:59:24,439
Speaker 1: see you for Friday for b a keep a until then,

1204
00:59:24,800 --> 00:59:28,600
Speaker 1: Stay black, stay brown, say cute, Stay witch is f

1205
00:59:30,080 --> 00:59:34,160
Speaker 1: which yeah, looking as f I'm fifty. You know I'm

1206
00:59:34,200 --> 00:59:35,960
Speaker 1: gonna saying I'm gona start telling people when ask me

1207
00:59:35,960 --> 00:59:37,560
Speaker 1: how old, I'm gonna say fifty five, so we're gonna

1208
00:59:37,560 --> 00:59:40,280
Speaker 1: be like, oh my god, and I'm like, I'm so young.

1209
00:59:41,880 --> 00:59:44,920
Speaker 3: I was thinking about your fiftieth the other day. I'm like,

1210
00:59:44,960 --> 00:59:46,680
Speaker 3: I didn't get an invite to the fortieth, but I

1211
00:59:46,680 --> 00:59:47,600
Speaker 3: bet I'm gonna get one too.

1212
00:59:47,600 --> 00:59:50,480
Speaker 5: The it's gonna be something fabulous. It's gonna be it.

1213
00:59:51,240 --> 00:59:55,240
Speaker 4: Yeah, fiftieth Tiffany's and the Maldives guarantee you it's stay fabulous.

1214
00:59:55,280 --> 01:00:00,280
Speaker 1: I'm gonna pay for everybody.