1 00:00:06,080 --> 00:00:09,080 Speaker 1: Hey va, fam, it's Mandy Money here. Now. I believe 2 00:00:09,119 --> 00:00:13,040 Speaker 1: that we all have a unique superpower in life, me personally. 3 00:00:13,200 --> 00:00:16,000 Speaker 1: I was lucky enough to discover mine about ten years ago. 4 00:00:16,120 --> 00:00:18,080 Speaker 1: I was just a few years into my career as 5 00:00:18,120 --> 00:00:21,280 Speaker 1: a financial journalist. I had spent weeks I was interviewing 6 00:00:21,320 --> 00:00:23,680 Speaker 1: at this huge media company which you guys may or 7 00:00:23,680 --> 00:00:25,720 Speaker 1: may not have heard of, called Yahoo, and they wanted 8 00:00:25,760 --> 00:00:29,200 Speaker 1: to poach me. I suspected that I was underpaid at 9 00:00:29,200 --> 00:00:31,720 Speaker 1: the time, and I was ready to finally tip the 10 00:00:31,720 --> 00:00:34,440 Speaker 1: scales back in my favor. I plucked up every kernel 11 00:00:34,479 --> 00:00:37,879 Speaker 1: of courage I had and I negotiated the hell out 12 00:00:37,920 --> 00:00:40,800 Speaker 1: of that offer. In the end, I walked away super 13 00:00:40,880 --> 00:00:44,120 Speaker 1: victorious with a twenty eight thousand dollars salary bump and 14 00:00:44,159 --> 00:00:48,240 Speaker 1: a forty five thousand dollars batch of equity, and from 15 00:00:48,240 --> 00:00:51,240 Speaker 1: that point on I never looked back. That was the 16 00:00:51,360 --> 00:00:54,680 Speaker 1: day that I learned my superpower was being able to 17 00:00:54,800 --> 00:00:57,680 Speaker 1: fight through my fear and my doubts, leverage my skills 18 00:00:57,680 --> 00:01:02,960 Speaker 1: as a storyteller and business reporter, negotiate like a bad ass. Now, 19 00:01:03,040 --> 00:01:06,400 Speaker 1: those negotiation skills propelled me to a multiple six figure 20 00:01:06,480 --> 00:01:09,000 Speaker 1: salary before the age of thirty. But that would not 21 00:01:09,080 --> 00:01:11,520 Speaker 1: be that exciting if I couldn't help y'all as well. 22 00:01:11,959 --> 00:01:13,839 Speaker 1: So that's why for the past year and a half, 23 00:01:13,880 --> 00:01:16,480 Speaker 1: I have coached hundreds of women from across the US 24 00:01:16,520 --> 00:01:20,520 Speaker 1: and beyond in their job searches and their salary negotiations. 25 00:01:20,640 --> 00:01:23,960 Speaker 1: And the wins that I have seen y'all secure incredible, 26 00:01:24,400 --> 00:01:26,559 Speaker 1: like an attorney who I helped get a ten thousand 27 00:01:26,600 --> 00:01:30,120 Speaker 1: dollars salary bump and a fifteen thousand dollars signing bonus 28 00:01:30,280 --> 00:01:33,680 Speaker 1: just this past March. And another woman named Rose who 29 00:01:33,760 --> 00:01:37,160 Speaker 1: used my negotiation scripts to score three thousand dollars more 30 00:01:37,200 --> 00:01:40,240 Speaker 1: from a recent job offer. Y'all, these wins have showed 31 00:01:40,240 --> 00:01:42,080 Speaker 1: me that I am meant to do this work, and 32 00:01:42,120 --> 00:01:44,840 Speaker 1: I am so excited that I am going to be 33 00:01:45,160 --> 00:01:50,120 Speaker 1: relaunching my sold out masterclass called Nail Your Negotiation. The 34 00:01:50,200 --> 00:01:53,600 Speaker 1: Masterclass five steps to negotiate like a bad ass and 35 00:01:53,720 --> 00:01:56,760 Speaker 1: never leave money on the table again. I'm going to 36 00:01:56,800 --> 00:01:59,960 Speaker 1: be coming to you live with this masterclass on Tuesday, 37 00:02:00,240 --> 00:02:04,160 Speaker 1: November eighth at eight pm Eastern Standard time. Check the 38 00:02:04,200 --> 00:02:06,960 Speaker 1: show notes for a link to register. Y'all. My first 39 00:02:06,960 --> 00:02:10,400 Speaker 1: masterclass last month completely sold out. We were turning away 40 00:02:10,400 --> 00:02:13,000 Speaker 1: people at the virtual door. You do not want to 41 00:02:13,040 --> 00:02:16,200 Speaker 1: miss out on this, so definitely register. Go to Nail 42 00:02:16,320 --> 00:02:20,240 Speaker 1: your Negotiation dot Com to grab your seats. I hope 43 00:02:20,240 --> 00:02:22,360 Speaker 1: to see y'all there. Here's what I'm going to be 44 00:02:22,360 --> 00:02:24,640 Speaker 1: covering in this masterclass. You're going to learn how to 45 00:02:24,720 --> 00:02:27,640 Speaker 1: finally get over your fear of negotiating, how to brand 46 00:02:27,720 --> 00:02:30,680 Speaker 1: yourself so you can attract the juiciest job offers, how 47 00:02:30,760 --> 00:02:33,600 Speaker 1: to figure out what to ask for before you negotiate, 48 00:02:33,919 --> 00:02:37,120 Speaker 1: how to nail that interview so they practically throw money 49 00:02:37,200 --> 00:02:39,880 Speaker 1: at you, And last but not least, how to rock 50 00:02:40,000 --> 00:02:45,200 Speaker 1: that counteroffer and you leave no crumbs behind. Plus, live 51 00:02:45,240 --> 00:02:48,640 Speaker 1: attendees are going to get a free bonus negotiating cheat 52 00:02:48,680 --> 00:02:51,560 Speaker 1: sheet that's going to make it super easy to calculate 53 00:02:51,560 --> 00:02:54,880 Speaker 1: your target salary, so you go into a negotiation strong, 54 00:02:55,120 --> 00:02:58,200 Speaker 1: knowing your value. Let's do this, y'all. Join me November 55 00:02:58,240 --> 00:03:01,880 Speaker 1: eighth at eight pm for the Nail your Negotiation Masterclass again. 56 00:03:02,080 --> 00:03:05,160 Speaker 1: Grab your seat. They are limited. Only five hundred seats 57 00:03:05,200 --> 00:03:08,840 Speaker 1: are open. Go to Nail Yournegotiation dot Com to grab 58 00:03:08,880 --> 00:03:12,680 Speaker 1: your seat and I will see y'all their moneymakers. Hey, hey, 59 00:03:12,800 --> 00:03:17,520 Speaker 1: ba fam Welcome to a very who spooctacular episode of 60 00:03:17,560 --> 00:03:21,280 Speaker 1: Brown Ambition. Our beloved Tiffany is off on her rich 61 00:03:21,360 --> 00:03:24,519 Speaker 1: auntie birthday adventure in Dubai, so we wish her all 62 00:03:24,560 --> 00:03:27,280 Speaker 1: the best and happy belated birthday. Tif. We love you, 63 00:03:27,520 --> 00:03:29,800 Speaker 1: but we would never leave y'all, hang and ba fan. 64 00:03:29,840 --> 00:03:33,200 Speaker 1: That's why we brought not one but two very special 65 00:03:33,200 --> 00:03:37,240 Speaker 1: guests to join me live on YouTube in the studio 66 00:03:37,520 --> 00:03:40,120 Speaker 1: on this past Monday. And that's what you're gonna hear today, 67 00:03:40,200 --> 00:03:44,160 Speaker 1: the incredible conversation I had on Halloween for our Halloween 68 00:03:44,200 --> 00:03:48,040 Speaker 1: treat Brown Ambition Edition with Delianburrows from Delhi and the 69 00:03:48,080 --> 00:03:52,200 Speaker 1: Money Coach and Mark Russell from Betterwallet. Y'all, this was 70 00:03:52,240 --> 00:03:55,040 Speaker 1: such a fun conversation. We talked about everything from our 71 00:03:55,080 --> 00:03:59,360 Speaker 1: favorite Halloween treats to the tricks that are happening now 72 00:03:59,400 --> 00:04:02,680 Speaker 1: and our finances that have got us looking and giving 73 00:04:02,760 --> 00:04:06,120 Speaker 1: everyone the side eye all right, from Elon Musk owning 74 00:04:06,160 --> 00:04:08,240 Speaker 1: Twitter to is this really the best time to buy 75 00:04:08,280 --> 00:04:10,760 Speaker 1: a house right now? Y'all do not want to miss this, 76 00:04:10,920 --> 00:04:13,960 Speaker 1: So I hope you enjoyed this episode and as ever, 77 00:04:14,040 --> 00:04:16,000 Speaker 1: we'd love to hear from y'all, so hit us up 78 00:04:16,040 --> 00:04:18,839 Speaker 1: on ig at Brand Ambission Podcast. Make sure you go 79 00:04:18,880 --> 00:04:22,040 Speaker 1: and follow Delian and Mark. They are both incredible financial 80 00:04:22,160 --> 00:04:25,400 Speaker 1: educators in their own right. And without further ado, here's 81 00:04:25,440 --> 00:04:30,920 Speaker 1: our spook Tecular Halloween episode. Say hello to our special 82 00:04:31,000 --> 00:04:33,680 Speaker 1: Spooktacular Ooh, I said it. I thought I wasn't going 83 00:04:33,760 --> 00:04:36,000 Speaker 1: to say it, but we're going for it our special 84 00:04:36,040 --> 00:04:40,839 Speaker 1: Spooktacular guest today for a special Halloween Treat edition of 85 00:04:40,920 --> 00:04:44,840 Speaker 1: the Brand Ambission Podcast. We got two incredible guest hosts today. 86 00:04:45,000 --> 00:04:48,760 Speaker 1: We have Delian the Money Coach tuning in from the 87 00:04:48,800 --> 00:04:53,000 Speaker 1: West Coast, right the best host Cali Callen Callie Kelly, 88 00:04:53,120 --> 00:04:56,640 Speaker 1: and then the lovely I don't even know how I 89 00:04:56,640 --> 00:04:59,599 Speaker 1: can't look at you in that hat, Mark Russell from 90 00:04:59,680 --> 00:05:02,520 Speaker 1: Better Wallet joining me from where are You Atlanta? 91 00:05:03,240 --> 00:05:08,600 Speaker 2: The Beast Coast Atlanta. A. 92 00:05:08,600 --> 00:05:10,520 Speaker 1: All right, well, this is going to be such a 93 00:05:10,520 --> 00:05:13,200 Speaker 1: fun show, y'all. We got a lot planned for y'all. 94 00:05:13,200 --> 00:05:15,400 Speaker 1: We are going to be taking questions live, so if 95 00:05:15,400 --> 00:05:18,000 Speaker 1: you have questions, feel free to drop them in the comments. 96 00:05:18,040 --> 00:05:21,600 Speaker 1: Through some magical YouTube magic, we're going to be able 97 00:05:21,640 --> 00:05:23,960 Speaker 1: to see your questions and take them live as we 98 00:05:24,000 --> 00:05:27,040 Speaker 1: go through the show. That's what I've been told. I've 99 00:05:27,080 --> 00:05:30,440 Speaker 1: rid to introduce myself. I'm Mandy woodrib Santos, one half 100 00:05:30,480 --> 00:05:32,440 Speaker 1: of Brand and Bisson podcast. So excited to have you 101 00:05:32,520 --> 00:05:35,760 Speaker 1: guys here today, all right, so listen. I was just 102 00:05:35,800 --> 00:05:38,039 Speaker 1: like complaining a little bit because I don't know, you 103 00:05:38,040 --> 00:05:40,240 Speaker 1: guys don't have small children or children you have, you 104 00:05:40,279 --> 00:05:44,160 Speaker 1: have fur babies, right, But when I tell you, Halloween 105 00:05:44,160 --> 00:05:46,599 Speaker 1: has felt like it has lasted a year. This like 106 00:05:46,680 --> 00:05:49,039 Speaker 1: it has been going on for weeks at this point, 107 00:05:49,040 --> 00:05:52,159 Speaker 1: and today I have to scrounge up some energy to 108 00:05:52,240 --> 00:05:54,559 Speaker 1: like take the little one trick or treating and I don't, 109 00:05:55,160 --> 00:05:58,800 Speaker 1: and all the good candies gone, like someone took my 110 00:05:58,839 --> 00:06:02,840 Speaker 1: reci's pumpkins from this party we had yesterday. And oh man, 111 00:06:03,680 --> 00:06:04,200 Speaker 1: I thought. 112 00:06:04,080 --> 00:06:06,880 Speaker 3: The rule was if Halloween landed on a Monday, you 113 00:06:06,920 --> 00:06:08,920 Speaker 3: celebrate the weekend before and then it's over. 114 00:06:09,760 --> 00:06:12,240 Speaker 1: You do, but it's the week before because there's like 115 00:06:12,400 --> 00:06:14,880 Speaker 1: days at the school and like different crap happens, and 116 00:06:14,920 --> 00:06:17,640 Speaker 1: then there's the parties and everyone wants you to come 117 00:06:17,680 --> 00:06:19,479 Speaker 1: to their party, so they have on different days of 118 00:06:19,520 --> 00:06:23,560 Speaker 1: the week, and it's just like I'm dragging in Atlanta. 119 00:06:23,680 --> 00:06:25,600 Speaker 2: Every day's a party, So like, I feel like they've 120 00:06:25,600 --> 00:06:30,400 Speaker 2: been celebrating since well all month, pretty much like every day, 121 00:06:30,440 --> 00:06:32,839 Speaker 2: I feel like someone like has a mask on or 122 00:06:32,880 --> 00:06:35,960 Speaker 2: they have like a cosson on. It's just this weekend 123 00:06:36,080 --> 00:06:38,599 Speaker 2: where everyone's just going crazy. I'm sure it's probably going 124 00:06:38,640 --> 00:06:39,880 Speaker 2: to be until next weekend too. 125 00:06:40,360 --> 00:06:43,440 Speaker 3: Yeah, it's funny like I'm I'm in the middle. Because 126 00:06:43,440 --> 00:06:46,280 Speaker 3: you've got Mandy with the kids, Marks clearly going through 127 00:06:46,320 --> 00:06:47,120 Speaker 3: his party phase. 128 00:06:47,560 --> 00:06:52,080 Speaker 4: I'm like, I pass the party phase. I don't want kids. 129 00:06:52,279 --> 00:06:54,640 Speaker 4: I am in the I'm going to stay home and 130 00:06:54,680 --> 00:06:55,720 Speaker 4: party all by myself. 131 00:06:57,000 --> 00:06:59,840 Speaker 2: I do have plant babies, though I have three of them. 132 00:07:00,000 --> 00:07:02,760 Speaker 2: You could see one, actually it's not here you go. 133 00:07:02,880 --> 00:07:05,719 Speaker 2: There's one here you go, and then there's a few 134 00:07:05,760 --> 00:07:08,960 Speaker 2: others in here and they are alive and well. 135 00:07:09,760 --> 00:07:13,680 Speaker 1: But no, I was gonna wear a costume, but I 136 00:07:13,760 --> 00:07:15,680 Speaker 1: left it in the uber because I was too wasted 137 00:07:16,120 --> 00:07:18,440 Speaker 1: at two am. I do have company. 138 00:07:18,600 --> 00:07:20,080 Speaker 2: Very scary for you guys though. 139 00:07:20,080 --> 00:07:23,200 Speaker 4: So maybe for it. Can you see it? 140 00:07:23,720 --> 00:07:23,880 Speaker 3: Oh? 141 00:07:23,960 --> 00:07:30,480 Speaker 1: No? Is that a bill? Instagram is down? Yeah, now listen, 142 00:07:30,840 --> 00:07:33,040 Speaker 1: don't let's let's let's be honest here. How many of 143 00:07:33,120 --> 00:07:35,440 Speaker 1: y'all saw your followers drop today and you were like, 144 00:07:35,560 --> 00:07:36,400 Speaker 1: what happened? 145 00:07:37,600 --> 00:07:38,640 Speaker 4: I got canceled? 146 00:07:42,280 --> 00:07:45,200 Speaker 2: Flash Tag Barrel wallet, just to see if I got canceled, 147 00:07:45,200 --> 00:07:46,680 Speaker 2: And I was like, my friends didn't tell me I 148 00:07:46,680 --> 00:07:47,320 Speaker 2: got canceled. 149 00:07:47,320 --> 00:07:50,520 Speaker 1: What's going on with that? Is that not as we're 150 00:07:50,560 --> 00:07:52,320 Speaker 1: speaking of, like we're going to talk about some scary 151 00:07:52,320 --> 00:07:54,760 Speaker 1: money topics. But I feel like in our game, in 152 00:07:54,840 --> 00:07:57,880 Speaker 1: our business, it is one of the scariest propositions, like 153 00:07:57,920 --> 00:08:01,800 Speaker 1: prospects is getting canceled, because like, if they won't, if 154 00:08:01,800 --> 00:08:03,600 Speaker 1: they don't want to, if they don't listen to us, 155 00:08:03,680 --> 00:08:06,480 Speaker 1: how are we going to make money anymore? I don't 156 00:08:06,480 --> 00:08:09,440 Speaker 1: know what I'm gonna say. Oh god, well, let's get 157 00:08:09,440 --> 00:08:11,200 Speaker 1: into it. What do you what are y'all's let's let's 158 00:08:11,200 --> 00:08:13,520 Speaker 1: talk about some halloween as my dog loses her mind, 159 00:08:13,600 --> 00:08:16,800 Speaker 1: Let's talk about some some spooky money topics. I feel 160 00:08:16,840 --> 00:08:20,840 Speaker 1: like for me, I still suffer from this this fear 161 00:08:20,920 --> 00:08:24,480 Speaker 1: sometimes of opening bills, especially from like doctor's offices. You 162 00:08:24,480 --> 00:08:26,040 Speaker 1: know how they still send you paper bills in the 163 00:08:26,080 --> 00:08:28,560 Speaker 1: mail for like thirty dollars for your copey. I just 164 00:08:28,600 --> 00:08:31,280 Speaker 1: let them pile up. And my husband's like, you're a 165 00:08:31,280 --> 00:08:33,680 Speaker 1: full grown adult woman and you talk to people about 166 00:08:33,679 --> 00:08:35,720 Speaker 1: money all the time. Can you open your damn like 167 00:08:35,760 --> 00:08:37,040 Speaker 1: and pay your copey? 168 00:08:37,440 --> 00:08:40,720 Speaker 3: But I like sweat every time I get real mail, 169 00:08:40,880 --> 00:08:45,800 Speaker 3: not like junk mail, anything related to my money, my 170 00:08:45,880 --> 00:08:47,600 Speaker 3: four to one K, my bank accounts. 171 00:08:48,200 --> 00:08:50,440 Speaker 4: For some reason. Yeah, I have like an aversion to 172 00:08:50,559 --> 00:08:53,000 Speaker 4: opening physical mail. Same way. 173 00:08:53,120 --> 00:08:56,439 Speaker 1: Yeah, yeah, what is it? And why does it feel 174 00:08:56,440 --> 00:08:58,080 Speaker 1: like if it comes in the mail, it's like that 175 00:08:58,200 --> 00:09:02,080 Speaker 1: much scarier And do y'all get the eye arrests rando mails? 176 00:09:02,120 --> 00:09:04,720 Speaker 1: Like the snail mail all the time. I got an 177 00:09:04,760 --> 00:09:08,360 Speaker 1: eighteen thousand dollars bill, not kidding, this is why don't 178 00:09:08,480 --> 00:09:12,559 Speaker 1: put my mail I had missed, like the first notice. Yeah, 179 00:09:12,600 --> 00:09:14,679 Speaker 1: like the state of New York. If you're if you're 180 00:09:14,679 --> 00:09:17,680 Speaker 1: a business owner, like it's not all sunshine and daisies. 181 00:09:18,400 --> 00:09:21,200 Speaker 1: You think that you get like your tax situation all settled, 182 00:09:21,240 --> 00:09:23,400 Speaker 1: and then they can make mistakes. And it was a 183 00:09:23,400 --> 00:09:26,600 Speaker 1: total mistake. I don't actually owe eighteen thousand, but the 184 00:09:26,679 --> 00:09:30,640 Speaker 1: stress and anxiety that that brought unto my soul just 185 00:09:30,640 --> 00:09:31,240 Speaker 1: to open that. 186 00:09:31,679 --> 00:09:34,440 Speaker 2: And you have to be careful too, because some of them, 187 00:09:34,840 --> 00:09:37,920 Speaker 2: some of those letters might not even be from the 188 00:09:37,960 --> 00:09:41,000 Speaker 2: irs or from the government in general. When I first 189 00:09:41,040 --> 00:09:44,080 Speaker 2: opened up my LLC I got when I was back 190 00:09:44,120 --> 00:09:47,000 Speaker 2: in Philly. I got a note from Pennsylvania and it 191 00:09:47,120 --> 00:09:48,679 Speaker 2: was saying, hey, like, you need to pay like two 192 00:09:48,760 --> 00:09:49,960 Speaker 2: thousand dollars in order. 193 00:09:49,800 --> 00:09:50,760 Speaker 4: To open up the LLC. 194 00:09:51,360 --> 00:09:53,960 Speaker 2: And it was really really official, and I'm like me 195 00:09:54,240 --> 00:09:56,360 Speaker 2: being like the way I am, I'm like, there's no 196 00:09:56,440 --> 00:09:59,000 Speaker 2: ways it's true. Like I feel like I paid all 197 00:09:59,240 --> 00:10:01,640 Speaker 2: the fees I needed. And I googled it and there 198 00:10:01,720 --> 00:10:03,680 Speaker 2: was some lawyer, you know, was saying, hey, like, here's 199 00:10:03,720 --> 00:10:06,400 Speaker 2: the newest hoax. And I'm like, man, like, I almost 200 00:10:06,440 --> 00:10:08,960 Speaker 2: fell for it. I can't imagine how many other people 201 00:10:09,080 --> 00:10:10,760 Speaker 2: would have probably like fell for this. 202 00:10:11,160 --> 00:10:14,840 Speaker 3: So I've seen that with with trademark applications. Mark, I 203 00:10:14,840 --> 00:10:17,760 Speaker 3: know you recently got your trademark waiting for mine. So 204 00:10:17,880 --> 00:10:20,600 Speaker 3: apparently as soon as you file for a trademark, you 205 00:10:20,640 --> 00:10:24,760 Speaker 3: start getting bombarded because it's public. It's public, so you 206 00:10:24,800 --> 00:10:28,880 Speaker 3: start getting bombarded with mail from people. Yeah, was saying, oh, 207 00:10:28,920 --> 00:10:31,240 Speaker 3: you have this additional fee for your trademark, this additional fee, 208 00:10:31,240 --> 00:10:33,640 Speaker 3: and immediately my attorney told me you're going to get 209 00:10:33,640 --> 00:10:37,480 Speaker 3: these notices, ignore them. I still got freaked out. I 210 00:10:37,559 --> 00:10:39,800 Speaker 3: still like scanned it and send it to her. I'm like, 211 00:10:39,840 --> 00:10:42,720 Speaker 3: what is this. She's like, I'm told you to ignore. 212 00:10:43,800 --> 00:10:47,480 Speaker 1: Listen, trademark. Hel is my life right now. I don't 213 00:10:47,520 --> 00:10:50,520 Speaker 1: know if I told y'all, but I discovered that there 214 00:10:50,559 --> 00:10:53,400 Speaker 1: is another Mandy Money out there. Well, the man, there's 215 00:10:53,440 --> 00:10:56,840 Speaker 1: a Mandy Money with a Y. Mandy with a Y money, Yes, 216 00:10:56,960 --> 00:10:58,520 Speaker 1: And I found that out when I went to file 217 00:10:58,559 --> 00:11:01,040 Speaker 1: my trademark. And I don't know if you and I 218 00:11:01,120 --> 00:11:05,600 Speaker 1: use the same trademark attorney Deli. Her name's Kristen. Yeah, okay. 219 00:11:05,679 --> 00:11:07,920 Speaker 1: So we met and she was like and I was 220 00:11:07,920 --> 00:11:09,400 Speaker 1: in the middle of telling her, I'm like, yeah, it's 221 00:11:09,440 --> 00:11:11,440 Speaker 1: my name, it's my business. So you know, I've been 222 00:11:11,440 --> 00:11:12,800 Speaker 1: doing it for a couple of years now, and I 223 00:11:12,800 --> 00:11:14,960 Speaker 1: feel confident that it'll be fine. And she's like, well, 224 00:11:15,000 --> 00:11:19,000 Speaker 1: let me show you something. Here's this application for Mandy 225 00:11:19,000 --> 00:11:22,120 Speaker 1: Money with a Y and it's it's I'm just going 226 00:11:22,160 --> 00:11:23,880 Speaker 1: to speak it into existence. It's going to be fine. 227 00:11:24,120 --> 00:11:28,040 Speaker 1: But I have had to let go and let the 228 00:11:28,080 --> 00:11:30,400 Speaker 1: money flow so that I can just give it over 229 00:11:30,440 --> 00:11:33,560 Speaker 1: to the experts. And that is like one of the 230 00:11:33,600 --> 00:11:35,920 Speaker 1: scariest and I feel like I need to stop fighting 231 00:11:35,960 --> 00:11:38,880 Speaker 1: the reality that when you have a business, like no 232 00:11:38,920 --> 00:11:40,720 Speaker 1: one's going to come to save you, but you you 233 00:11:40,800 --> 00:11:43,959 Speaker 1: have to just like and it's choices all the time. 234 00:11:44,000 --> 00:11:46,640 Speaker 1: Who am I gonna hire to take care of this fire? 235 00:11:46,720 --> 00:11:50,120 Speaker 1: And like this like problem and I'm like switching accountants 236 00:11:50,160 --> 00:11:53,160 Speaker 1: right now. It's not all it's not all you know 237 00:11:53,280 --> 00:11:58,640 Speaker 1: reels and tiktoks and. 238 00:11:56,040 --> 00:11:59,000 Speaker 2: And yeah, but those are like that's a really good 239 00:11:59,000 --> 00:12:02,360 Speaker 2: money point. In general, I think I get questions from 240 00:12:02,400 --> 00:12:04,360 Speaker 2: people all the time because we're in this kind of 241 00:12:04,360 --> 00:12:06,640 Speaker 2: like frugal world where people are like, Okay, I need 242 00:12:06,640 --> 00:12:11,080 Speaker 2: to cut costs wherever. And when it comes to being 243 00:12:11,200 --> 00:12:14,320 Speaker 2: like or getting a CPA or having like a trademark lawyer, 244 00:12:14,480 --> 00:12:17,200 Speaker 2: I think it's invaluable, Like you want to make sure 245 00:12:17,240 --> 00:12:19,440 Speaker 2: that you pay as much as you can for people 246 00:12:19,440 --> 00:12:22,040 Speaker 2: are going to protect your business and then also keep 247 00:12:22,080 --> 00:12:24,520 Speaker 2: you away from uncle uncle Samuel. 248 00:12:25,600 --> 00:12:27,720 Speaker 1: So like I know why I was filing. 249 00:12:27,800 --> 00:12:30,080 Speaker 2: I was trying to be frugal initially, and I was like, okay, 250 00:12:30,160 --> 00:12:32,400 Speaker 2: well I can I can do this trademark thing on 251 00:12:32,440 --> 00:12:35,280 Speaker 2: my own. And then I started thinking about what could 252 00:12:35,320 --> 00:12:39,319 Speaker 2: possibly happen if Fidelity owned better Wallet the name of 253 00:12:39,400 --> 00:12:42,040 Speaker 2: better Wallet, and I had to go against them, or 254 00:12:42,040 --> 00:12:44,800 Speaker 2: maybe if they filed before I did. So I think 255 00:12:44,840 --> 00:12:46,960 Speaker 2: it's really key to make sure you're paying for those 256 00:12:47,000 --> 00:12:49,840 Speaker 2: folks like you're doing. What was the quote again, let 257 00:12:49,920 --> 00:12:51,079 Speaker 2: go and let the money flow. 258 00:12:51,559 --> 00:12:55,760 Speaker 1: Oh yeah, I just came up with that because just 259 00:12:55,760 --> 00:12:57,600 Speaker 1: just accept the fact that you're going to have to 260 00:12:57,840 --> 00:12:59,800 Speaker 1: reserve a part of your budget for the help that 261 00:12:59,840 --> 00:13:02,160 Speaker 1: you're going to need, like to be in defense mode. 262 00:13:02,200 --> 00:13:04,280 Speaker 1: I don't really watch sports, but you know, like defense. 263 00:13:05,880 --> 00:13:09,480 Speaker 2: If you're watching any sports, watch watch my Philadelphia Phillies 264 00:13:09,520 --> 00:13:10,600 Speaker 2: and Philadelphia Eagles. 265 00:13:10,600 --> 00:13:13,520 Speaker 4: They're doing really well. I have already checked out of 266 00:13:13,559 --> 00:13:14,199 Speaker 4: this conversation. 267 00:13:14,280 --> 00:13:17,000 Speaker 2: Oh you're in San Diego. 268 00:13:17,640 --> 00:13:19,160 Speaker 4: The only thing I care about is the World Cup. 269 00:13:19,240 --> 00:13:23,360 Speaker 1: Sorry, all right, Well we've talked about some spooky stuff. 270 00:13:23,600 --> 00:13:25,880 Speaker 1: Let's let's pivot and talk about Halloween. So I am 271 00:13:25,920 --> 00:13:28,560 Speaker 1: going as the black teacher from Hogwarts. That is my 272 00:13:28,640 --> 00:13:31,600 Speaker 1: look today. The cool one that you know got cut 273 00:13:31,679 --> 00:13:33,839 Speaker 1: because you know, she was a little too saucy for 274 00:13:34,520 --> 00:13:36,679 Speaker 1: the children, and so all her lines got cut from 275 00:13:36,720 --> 00:13:40,480 Speaker 1: the movies. But I want to talk about y'all's favorite 276 00:13:40,520 --> 00:13:43,200 Speaker 1: like Halloween memories as you were kids, Delly, you want 277 00:13:43,200 --> 00:13:44,920 Speaker 1: to start growing up in Miami. 278 00:13:45,000 --> 00:13:47,720 Speaker 3: What was it like, I mean, it's funny because, yeah, 279 00:13:47,720 --> 00:13:50,959 Speaker 3: I grew up in a condo, right, we never had 280 00:13:50,960 --> 00:13:55,480 Speaker 3: a home, so Halloween was going to the mall, also. 281 00:13:55,280 --> 00:13:58,960 Speaker 4: Playing around the stores. So it wasn't big in my house. 282 00:13:59,120 --> 00:14:02,680 Speaker 3: Like other holidays were bigger Christmas, but Halloween wasn't a 283 00:14:02,679 --> 00:14:03,640 Speaker 3: big deal my mom. 284 00:14:04,160 --> 00:14:06,240 Speaker 4: It's not something really Brazilian celebrate. 285 00:14:06,520 --> 00:14:09,160 Speaker 3: You know, I'm Brazilian and so my mom didn't really 286 00:14:09,200 --> 00:14:10,000 Speaker 3: get it. 287 00:14:10,960 --> 00:14:13,480 Speaker 1: But I feel like, y'all want to have some funky 288 00:14:13,480 --> 00:14:15,600 Speaker 1: costumes in but I. 289 00:14:15,640 --> 00:14:17,160 Speaker 4: Don't understand what's happening. 290 00:14:17,200 --> 00:14:20,200 Speaker 3: It's like we're just knock on people's houses and ask 291 00:14:20,240 --> 00:14:21,040 Speaker 3: them for food. 292 00:14:21,280 --> 00:14:24,600 Speaker 4: This is weird, Like don't get that. 293 00:14:24,720 --> 00:14:30,320 Speaker 1: They're like, no, everyone's a socialist on Halloween. There you go, 294 00:14:30,760 --> 00:14:32,480 Speaker 1: you get candy, You get candy. 295 00:14:32,440 --> 00:14:37,720 Speaker 4: Yeah, get it. And we just it was very low 296 00:14:37,800 --> 00:14:38,920 Speaker 4: key around my house. 297 00:14:39,680 --> 00:14:43,520 Speaker 3: I did the whole party, you know, go out party, 298 00:14:43,880 --> 00:14:49,360 Speaker 3: the sexy costumes, you know, the this year, I'm wearing 299 00:14:49,360 --> 00:14:52,240 Speaker 3: a onesie, like this was my Halloween costume. Last year 300 00:14:52,440 --> 00:14:55,200 Speaker 3: it was you know, it's a onesie. I was like, 301 00:14:55,240 --> 00:15:00,600 Speaker 3: I'm going comfortable comfort. I see word and you know, 302 00:15:00,640 --> 00:15:04,520 Speaker 3: I'm turning forty this year, so I am leaving so 303 00:15:04,720 --> 00:15:08,200 Speaker 3: hard into my forties. I'm like this, I did it, y'all. 304 00:15:08,240 --> 00:15:08,960 Speaker 3: I got through my. 305 00:15:09,000 --> 00:15:10,840 Speaker 4: Twenties, I got through the thirdies. 306 00:15:11,240 --> 00:15:14,880 Speaker 3: Forty is about comfort and doing what I want with 307 00:15:14,960 --> 00:15:17,200 Speaker 3: like no not caring how other people are going to 308 00:15:17,240 --> 00:15:18,680 Speaker 3: think about me, how they're going to judge me. 309 00:15:19,360 --> 00:15:21,800 Speaker 4: And I'm really really leaning hard into that. 310 00:15:21,920 --> 00:15:25,280 Speaker 3: And I'm child free by choice, So I do feel 311 00:15:25,280 --> 00:15:27,640 Speaker 3: for the parents and all the extra work you guys 312 00:15:27,720 --> 00:15:30,320 Speaker 3: have to do around the holidays, because these kids will 313 00:15:30,360 --> 00:15:31,640 Speaker 3: not let you slip these days. 314 00:15:31,680 --> 00:15:33,880 Speaker 4: Like they have social media now they see. 315 00:15:33,720 --> 00:15:37,400 Speaker 3: What their friends are doing they wanted to so they're 316 00:15:37,400 --> 00:15:39,560 Speaker 3: got you know, they You guys can't get away with 317 00:15:39,640 --> 00:15:43,200 Speaker 3: what like my parents got away with. So yeah, your 318 00:15:43,240 --> 00:15:44,240 Speaker 3: hands full. 319 00:15:44,280 --> 00:15:46,880 Speaker 1: Thanks for your sympathies and your pity. I appreciate it. 320 00:15:47,120 --> 00:15:49,640 Speaker 1: Your best rich on tea life, and I will live 321 00:15:49,720 --> 00:15:53,160 Speaker 1: vicariously through you and visit you in Portugal. All right, Mark? 322 00:15:53,200 --> 00:15:55,200 Speaker 1: What is what was little baby Mark dressing up for 323 00:15:55,240 --> 00:15:56,720 Speaker 1: Halloween as oh man? 324 00:15:56,960 --> 00:16:00,000 Speaker 2: So so growing up like delly am My parents really 325 00:16:00,080 --> 00:16:02,840 Speaker 2: then celebrate it, and it was more because they were 326 00:16:02,880 --> 00:16:07,200 Speaker 2: both from families that came from the South and were 327 00:16:07,320 --> 00:16:12,280 Speaker 2: raised in the church. So my memories of Halloween quote 328 00:16:12,360 --> 00:16:16,800 Speaker 2: unquote was our church forced us on Halloween Night to 329 00:16:16,920 --> 00:16:20,240 Speaker 2: stay at the church like overnight, and I did that 330 00:16:20,720 --> 00:16:23,520 Speaker 2: for years. So they didn't want you to go out 331 00:16:23,520 --> 00:16:26,840 Speaker 2: trigger treating in my town. I think the focus was 332 00:16:26,920 --> 00:16:30,360 Speaker 2: make sure we weren't participating in Mischief Night, which was 333 00:16:30,400 --> 00:16:34,000 Speaker 2: like a big thing where people go eggs and which 334 00:16:34,040 --> 00:16:35,600 Speaker 2: a lot of my friends did, and I tried not 335 00:16:35,640 --> 00:16:39,880 Speaker 2: to participate, try, but for the most part I was. 336 00:16:39,920 --> 00:16:43,440 Speaker 2: I was into church during that time. As I got older, 337 00:16:43,920 --> 00:16:47,480 Speaker 2: I would go and buy like a mask or something 338 00:16:47,600 --> 00:16:51,640 Speaker 2: very simple in order to quote unquote celebrate. And I 339 00:16:51,680 --> 00:16:54,120 Speaker 2: was like one of those older like trigger treaters because 340 00:16:54,160 --> 00:16:56,320 Speaker 2: I had that sweet tooth and I just wanted to 341 00:16:56,360 --> 00:16:56,640 Speaker 2: go out. 342 00:16:56,840 --> 00:17:00,160 Speaker 1: What's your favorite candy? What's your favorite candy? 343 00:17:00,760 --> 00:17:05,160 Speaker 2: Oh god, anything with caramel or carmel, however you pronounce it. 344 00:17:05,760 --> 00:17:09,480 Speaker 2: So I mean, one hundred gram was like my thing 345 00:17:10,000 --> 00:17:11,680 Speaker 2: even now, Like I was. I was at the store 346 00:17:11,720 --> 00:17:14,199 Speaker 2: not too long ago and I saw one. I was like, 347 00:17:14,200 --> 00:17:16,840 Speaker 2: oh my god, it's two for one. I can definitely 348 00:17:16,880 --> 00:17:19,720 Speaker 2: eat both of those. And I was like, like, I'm 349 00:17:19,720 --> 00:17:23,040 Speaker 2: on my health kick. Right now, I'm doing berries, you know, 350 00:17:23,280 --> 00:17:27,080 Speaker 2: every every other day, like I can't so, but yeah, 351 00:17:27,080 --> 00:17:29,920 Speaker 2: that was my memory growing up. It wasn't until college 352 00:17:30,160 --> 00:17:33,040 Speaker 2: and when I started really celebrating. I went to a 353 00:17:33,160 --> 00:17:36,800 Speaker 2: party school and being Penn State, and I had a 354 00:17:36,880 --> 00:17:40,240 Speaker 2: chicken suit every single year, So I was a giant. 355 00:17:40,280 --> 00:17:46,439 Speaker 1: Do you know that thing was inside washed it in 356 00:17:46,480 --> 00:17:48,800 Speaker 1: between halloweens? Please tell me you did? You know? 357 00:17:50,040 --> 00:17:54,280 Speaker 2: That's what they say you should do in college. I'm 358 00:17:54,320 --> 00:17:58,359 Speaker 2: answering like a politician. But yeah, no, I I tried. 359 00:17:58,119 --> 00:18:01,440 Speaker 1: To, but some start talking about the importance of keeping 360 00:18:01,480 --> 00:18:06,439 Speaker 1: antibiotics in our out of our poultry and change the subject. Okay, 361 00:18:06,520 --> 00:18:08,240 Speaker 1: be a fan. We're going to take a quick break 362 00:18:08,240 --> 00:18:10,919 Speaker 1: and be right back with more of our Halloween treats 363 00:18:12,040 --> 00:18:15,800 Speaker 1: and Delli, you're about to like move to Portugal, right Plus, 364 00:18:15,800 --> 00:18:18,840 Speaker 1: you're turning forty. You're living all of our rich auntig dreams. 365 00:18:18,920 --> 00:18:20,600 Speaker 1: Catch us up. What's going on in your world? 366 00:18:21,080 --> 00:18:26,280 Speaker 3: Yes, I switch my least month to month. So the 367 00:18:26,320 --> 00:18:29,280 Speaker 3: process is in the works. I've hired an attorney to 368 00:18:29,320 --> 00:18:31,879 Speaker 3: get the paperwork done. The goal is to move to 369 00:18:31,920 --> 00:18:34,159 Speaker 3: Portugal in the next four to six months, probably closer 370 00:18:34,200 --> 00:18:40,240 Speaker 3: to six months and yeah, I'm gonna have a It's 371 00:18:40,240 --> 00:18:42,240 Speaker 3: a wild process because you actually have to. 372 00:18:42,119 --> 00:18:44,240 Speaker 4: Like rent an apartment before you even get there. 373 00:18:44,280 --> 00:18:45,800 Speaker 3: So you have to you have to rent it like 374 00:18:45,920 --> 00:18:48,960 Speaker 3: sight unseen, and you have to have everything like lined up, 375 00:18:49,000 --> 00:18:51,080 Speaker 3: you have to have a bank account open in the country, 376 00:18:51,119 --> 00:18:53,880 Speaker 3: all this stuff. But again another thing that you could 377 00:18:53,880 --> 00:18:54,760 Speaker 3: totally diy. 378 00:18:55,480 --> 00:18:57,360 Speaker 4: But I don't mess. 379 00:18:57,200 --> 00:19:00,639 Speaker 3: Around when it comes to immigration, being you know, former 380 00:19:00,680 --> 00:19:03,640 Speaker 3: immigrant myself, where I went through the immigration processing. 381 00:19:03,280 --> 00:19:06,240 Speaker 4: The United States, I'm like, no, I'm going to hire 382 00:19:06,240 --> 00:19:08,760 Speaker 4: an attorney and I'm going to get help so that 383 00:19:08,880 --> 00:19:10,280 Speaker 4: it's because it's also a very. 384 00:19:10,119 --> 00:19:15,240 Speaker 3: Stressful process in general, I'm like, why not have support. 385 00:19:15,520 --> 00:19:16,520 Speaker 4: So I'm you. 386 00:19:16,440 --> 00:19:20,600 Speaker 3: Know, I've hired somebody, and it's it's exciting, it's nerve 387 00:19:20,640 --> 00:19:22,600 Speaker 3: wracking at the same time I'm moving there. 388 00:19:22,640 --> 00:19:25,040 Speaker 4: The goal is to to go buy myself a. 389 00:19:25,000 --> 00:19:28,520 Speaker 3: Home eventually and bring my mom and retire my mom 390 00:19:28,560 --> 00:19:32,360 Speaker 3: as well. So I'm trying to like reunify our family 391 00:19:32,520 --> 00:19:34,400 Speaker 3: right because my mom's in Brazil, my. 392 00:19:34,320 --> 00:19:35,240 Speaker 4: Sisters are Hawaii. 393 00:19:35,760 --> 00:19:37,600 Speaker 3: So the goal is to like get us all like 394 00:19:37,840 --> 00:19:41,080 Speaker 3: in one place so that we can be a family 395 00:19:41,119 --> 00:19:45,040 Speaker 3: again in one country, which is a lot. 396 00:19:45,760 --> 00:19:46,560 Speaker 1: Are you the big sister? 397 00:19:47,000 --> 00:19:47,400 Speaker 4: I am? 398 00:19:47,640 --> 00:19:51,960 Speaker 1: And you can tell I am not like that. 399 00:19:52,600 --> 00:19:54,959 Speaker 4: A matriarch more than my mom, you know. 400 00:19:55,040 --> 00:19:57,879 Speaker 3: And this is something that a lot of first gens 401 00:19:57,920 --> 00:20:00,960 Speaker 3: and like older daughters unders stand that we take on 402 00:20:01,040 --> 00:20:04,000 Speaker 3: this role of, you know, matriarch because usually we're the 403 00:20:04,000 --> 00:20:07,480 Speaker 3: ones that have made it and we have money, and 404 00:20:07,520 --> 00:20:11,680 Speaker 3: so we're kind of making these big decisions for our family. 405 00:20:11,880 --> 00:20:13,680 Speaker 4: And I do it in a way that like. 406 00:20:13,640 --> 00:20:17,560 Speaker 3: I'm not dictating my mom's life, Like I literally send 407 00:20:17,560 --> 00:20:19,320 Speaker 3: her money every month and I'm like, do what you 408 00:20:19,359 --> 00:20:22,480 Speaker 3: want with this money, like no strings attached, Like this 409 00:20:22,640 --> 00:20:23,359 Speaker 3: is for you to do. 410 00:20:23,320 --> 00:20:24,000 Speaker 4: As you please. 411 00:20:24,040 --> 00:20:25,840 Speaker 3: And I think that that's how you keep the peace 412 00:20:26,359 --> 00:20:29,399 Speaker 3: when you miss when you mix like family and money 413 00:20:29,920 --> 00:20:32,520 Speaker 3: is you can't put too many rules on it because 414 00:20:32,560 --> 00:20:37,040 Speaker 3: then resentment starts to increase, and then the whole thing 415 00:20:37,119 --> 00:20:38,120 Speaker 3: turns into chaos. 416 00:20:38,320 --> 00:20:40,840 Speaker 4: So we've been able to make that work. My mom's 417 00:20:41,040 --> 00:20:42,400 Speaker 4: very excited about Portugal. 418 00:20:42,440 --> 00:20:44,480 Speaker 3: She's already got her bags packed even though she's not 419 00:20:44,560 --> 00:20:47,000 Speaker 3: coming for like a year or so. 420 00:20:47,000 --> 00:20:50,919 Speaker 4: So it's it's exciting. We all speak the language. It's 421 00:20:51,720 --> 00:20:53,240 Speaker 4: a very beautiful country. 422 00:20:53,359 --> 00:20:55,919 Speaker 3: If you haven't been, I highly recommend and they just 423 00:20:56,000 --> 00:20:58,040 Speaker 3: opened a digital nomad visa. 424 00:20:58,240 --> 00:21:01,240 Speaker 4: So if you have a business or if you're allowed 425 00:21:01,240 --> 00:21:04,400 Speaker 4: to be a remote employee, you can now move to Portugal. 426 00:21:05,040 --> 00:21:08,800 Speaker 1: What all right, listen, I might have to make that happen. 427 00:21:11,040 --> 00:21:13,119 Speaker 4: I don't know if. 428 00:21:13,000 --> 00:21:15,800 Speaker 1: It'll be Portugal, But I mean, what scares me these days? 429 00:21:15,880 --> 00:21:17,520 Speaker 1: Or the midterm elections? Can we just do a quick 430 00:21:17,520 --> 00:21:20,160 Speaker 1: shout out for early voting? Y'all got to vote? Because 431 00:21:20,200 --> 00:21:22,480 Speaker 1: I know, Deli, you're about to flee the country, which 432 00:21:22,520 --> 00:21:25,439 Speaker 1: is but you're going to keep your citizenship, right absentee? 433 00:21:25,480 --> 00:21:28,840 Speaker 1: Right listen? You ho midterms coming up next week? Freaks 434 00:21:28,880 --> 00:21:32,399 Speaker 1: me out. So that's what's scary to me right now. 435 00:21:32,440 --> 00:21:35,480 Speaker 1: And I'm just like, especially as a parent, like what God, 436 00:21:35,560 --> 00:21:38,439 Speaker 1: what what's this world that my poor baby boy is 437 00:21:38,480 --> 00:21:41,440 Speaker 1: going to be growing up in? But that's so exciting 438 00:21:41,440 --> 00:21:43,800 Speaker 1: Deli and I. And it's also is your plan then 439 00:21:43,840 --> 00:21:46,440 Speaker 1: to move to Portugal? And then that's like the beginning 440 00:21:46,480 --> 00:21:50,200 Speaker 1: of your retirement early, Like that's the that's the end goal, right. 441 00:21:50,520 --> 00:21:53,080 Speaker 3: Yeah, I mean it's funny, it's I already consider myself 442 00:21:53,119 --> 00:21:56,920 Speaker 3: like semi retired because I work about ten twelve hours 443 00:21:56,960 --> 00:21:57,560 Speaker 3: a week, right. 444 00:21:57,480 --> 00:22:00,400 Speaker 4: Now, So it's pretty good. 445 00:22:00,520 --> 00:22:00,760 Speaker 1: You know. 446 00:22:01,720 --> 00:22:04,800 Speaker 3: I'm pretty happy with the balance that I have found, 447 00:22:05,000 --> 00:22:06,760 Speaker 3: which is one of the reasons why I walked away 448 00:22:06,800 --> 00:22:09,639 Speaker 3: from CNN because a lot of people didn't understand. They're like, 449 00:22:09,720 --> 00:22:12,920 Speaker 3: why did you do that? And it's what's the point 450 00:22:13,000 --> 00:22:15,600 Speaker 3: of saving all this money, quitting my nine to five 451 00:22:16,240 --> 00:22:19,000 Speaker 3: creating this business if I'm not going to lean into 452 00:22:19,040 --> 00:22:22,159 Speaker 3: the freedom that I'm actually trying to create. And so 453 00:22:22,640 --> 00:22:26,960 Speaker 3: even though CNNON was an incredible opportunity I was back 454 00:22:27,000 --> 00:22:28,720 Speaker 3: in the nine to five, I was putting myself back 455 00:22:28,720 --> 00:22:30,960 Speaker 3: in that nine to five grind where I had, like, 456 00:22:31,400 --> 00:22:33,399 Speaker 3: you know, people to report to in a schedule I 457 00:22:33,440 --> 00:22:35,080 Speaker 3: had to stick with, and I'm like, this is not 458 00:22:35,200 --> 00:22:37,800 Speaker 3: what I wanted, Like why am I doing this to myself? 459 00:22:38,160 --> 00:22:41,200 Speaker 3: So saying no to things can be just as liberating 460 00:22:41,200 --> 00:22:44,200 Speaker 3: as saying yes. And I'm very much in a no 461 00:22:44,400 --> 00:22:47,879 Speaker 3: phase right now, so I only say yes to Mandy 462 00:22:47,920 --> 00:22:49,280 Speaker 3: and very few other people, all. 463 00:22:49,200 --> 00:22:52,200 Speaker 4: Right, because I am in my no phase. 464 00:22:52,240 --> 00:22:54,199 Speaker 3: I'm in the please don't ask me to do things. 465 00:22:54,280 --> 00:22:57,359 Speaker 3: I am trying to lean into my soft life, my 466 00:22:57,480 --> 00:23:01,840 Speaker 3: luxury life, and that includes time freedom for me, which 467 00:23:01,880 --> 00:23:04,720 Speaker 3: is why we all teach people, you know, how to 468 00:23:04,800 --> 00:23:06,879 Speaker 3: manage their money, because the whole point is to like 469 00:23:07,040 --> 00:23:09,800 Speaker 3: lean into freedom, isn't that the whole idea? 470 00:23:11,320 --> 00:23:14,639 Speaker 2: Yeah, I kin you for just making that move. I 471 00:23:14,640 --> 00:23:17,600 Speaker 2: mean a lot of people would be like, oh, well, CNN, 472 00:23:17,680 --> 00:23:20,439 Speaker 2: and like they think of like the aura behind it, 473 00:23:20,480 --> 00:23:23,840 Speaker 2: and then they find themselves being in a position where 474 00:23:23,880 --> 00:23:26,119 Speaker 2: they don't like what they're doing and they dread getting 475 00:23:26,160 --> 00:23:27,879 Speaker 2: up in the morning and doing what they have to do. 476 00:23:27,960 --> 00:23:30,639 Speaker 2: And I did that for many of years, you know, 477 00:23:30,800 --> 00:23:33,800 Speaker 2: just being in corporate finance. But for you to say, hey, 478 00:23:33,880 --> 00:23:36,119 Speaker 2: like I could do this, but I choose not to 479 00:23:36,280 --> 00:23:38,919 Speaker 2: because I want to prioritize other things in life that 480 00:23:38,960 --> 00:23:43,480 Speaker 2: make me happiest. Like that is that is a game 481 00:23:43,520 --> 00:23:45,399 Speaker 2: that I feel like more and more people need to 482 00:23:45,480 --> 00:23:48,520 Speaker 2: like focus in on as they think about the next 483 00:23:48,560 --> 00:23:50,159 Speaker 2: you know, ten twenty years of their lives. 484 00:23:50,320 --> 00:23:52,800 Speaker 3: Yeah, and somebody just said, well, how did you pick Portugal. 485 00:23:53,280 --> 00:23:56,840 Speaker 3: I'm Brazilian, so I speak Portuguese and that's one reason. 486 00:23:56,920 --> 00:23:58,400 Speaker 3: But I would have gone there even if I don't 487 00:23:58,400 --> 00:24:02,280 Speaker 3: speak the language. But it's also one of the safest 488 00:24:02,280 --> 00:24:04,480 Speaker 3: countries in the world. It's actually the third safest country 489 00:24:04,480 --> 00:24:07,040 Speaker 3: in the world, so crime is like very very low, 490 00:24:07,080 --> 00:24:10,200 Speaker 3: which is top of mind for me, especially as a woman, 491 00:24:10,280 --> 00:24:12,960 Speaker 3: as a single woman. When I went with my mom, 492 00:24:13,000 --> 00:24:15,800 Speaker 3: we would walk around at two in the morning, no problems, 493 00:24:15,840 --> 00:24:19,920 Speaker 3: like nobody would bother us. Very very safe, to gorgeous country. 494 00:24:19,960 --> 00:24:22,399 Speaker 3: It's basically like a mini California. You go to the north, 495 00:24:22,720 --> 00:24:25,520 Speaker 3: you've got vineyards. In the middle, you've got the city center, 496 00:24:25,640 --> 00:24:28,680 Speaker 3: and then to the south you have gorgeous beaches, very 497 00:24:28,720 --> 00:24:33,440 Speaker 3: mild weather, very similar to San Diego. The food is incredible. 498 00:24:36,520 --> 00:24:39,320 Speaker 3: The food is amazing, especially love seafood. It's a very 499 00:24:39,400 --> 00:24:40,920 Speaker 3: seafood centric country. 500 00:24:41,080 --> 00:24:44,280 Speaker 1: The sardines though. I took my baby moon in Portugal 501 00:24:44,480 --> 00:24:46,320 Speaker 1: and I was like, my baby's gonna love seafood if 502 00:24:46,359 --> 00:24:49,880 Speaker 1: my husband doesn't. I was eating octopus sardines like everything 503 00:24:49,880 --> 00:24:51,639 Speaker 1: that came out, oh so good, so fresh. 504 00:24:52,119 --> 00:24:55,880 Speaker 3: Yeah, and it's just yeah. It's just a vibrant country 505 00:24:55,920 --> 00:24:58,639 Speaker 3: with a lot of history. And it's an easy jumping 506 00:24:58,680 --> 00:25:01,720 Speaker 3: off point both to the United States and to the 507 00:25:01,760 --> 00:25:04,080 Speaker 3: rest of Europe because it's a six to seven hour 508 00:25:04,119 --> 00:25:06,320 Speaker 3: flight to New York. Not bad. 509 00:25:07,040 --> 00:25:12,199 Speaker 1: So we'll see you around, I hope. I see some 510 00:25:12,320 --> 00:25:15,600 Speaker 1: questions coming into the chat. The Beauty Pop podcast a 511 00:25:15,640 --> 00:25:18,480 Speaker 1: fellow pod. They have a question. They say, with the 512 00:25:18,520 --> 00:25:22,040 Speaker 1: recession looming, oo looks like the monster in the closet 513 00:25:22,080 --> 00:25:24,400 Speaker 1: under the bed. With the recession looming, should I make 514 00:25:24,440 --> 00:25:28,600 Speaker 1: any adjustments to my I ray Slash four one K contributions. Also, 515 00:25:28,640 --> 00:25:30,679 Speaker 1: it's almost the end of the year, so great question 516 00:25:31,200 --> 00:25:33,560 Speaker 1: going into the end of twenty twenty two. What say 517 00:25:33,640 --> 00:25:35,760 Speaker 1: y'all Mark used to work at Vanguard, you know stuff, 518 00:25:37,600 --> 00:25:38,199 Speaker 1: What do you want to say? 519 00:25:38,320 --> 00:25:42,200 Speaker 2: Yeah, I mean with the recession looming or we're in it, 520 00:25:42,320 --> 00:25:45,800 Speaker 2: whatever it might be. I think what remains constant is 521 00:25:45,840 --> 00:25:48,160 Speaker 2: what you should be doing with your money, and that's 522 00:25:48,200 --> 00:25:51,720 Speaker 2: contributing early, contributing often, and trying to control what you can. 523 00:25:52,240 --> 00:25:53,080 Speaker 4: And it's the. 524 00:25:53,080 --> 00:25:53,800 Speaker 1: Prior to right. 525 00:25:54,080 --> 00:25:56,520 Speaker 2: I think a lot of people try to control the market. 526 00:25:56,200 --> 00:25:59,320 Speaker 2: The market's going to do their thing, like just let them, 527 00:25:59,480 --> 00:26:01,439 Speaker 2: like let them, I could do whatever it does, but 528 00:26:01,640 --> 00:26:04,760 Speaker 2: try to control what you can. So when I'm talking 529 00:26:04,760 --> 00:26:08,040 Speaker 2: to a lot of my mentees, it's really important that 530 00:26:08,480 --> 00:26:11,680 Speaker 2: you number one, start contributing to your retirement if you're 531 00:26:11,680 --> 00:26:15,320 Speaker 2: not already. Number two, really think about like what you're 532 00:26:15,359 --> 00:26:17,639 Speaker 2: invested in, make sure you're diversified. So we talked a 533 00:26:17,680 --> 00:26:21,600 Speaker 2: lot about ETFs exchange trade of funds, mutual funds, you know, 534 00:26:21,680 --> 00:26:25,200 Speaker 2: as being the easiest way of going about diversifying, and 535 00:26:25,560 --> 00:26:28,439 Speaker 2: you know, just try to increase your contribution limits because 536 00:26:28,720 --> 00:26:31,399 Speaker 2: you know, with the recession maybe happening into the future, 537 00:26:31,480 --> 00:26:34,440 Speaker 2: we're in it whatever, Like the stock market is misbehaving, 538 00:26:34,840 --> 00:26:37,879 Speaker 2: and because it is, you know, we're at what eighteen percent. 539 00:26:38,520 --> 00:26:42,439 Speaker 1: Stopped looking, Mark, I'm not gonna lie. I stopped looking. 540 00:26:42,920 --> 00:26:43,480 Speaker 4: Stop looking. 541 00:26:43,760 --> 00:26:46,360 Speaker 1: I intentially logged into my Vanguard and it was like. 542 00:26:47,240 --> 00:26:51,240 Speaker 2: FuG well, you're young, right, so you have key time 543 00:26:51,359 --> 00:26:54,520 Speaker 2: until you have to retire. So I mean that's like 544 00:26:54,600 --> 00:26:57,719 Speaker 2: a good word of advice, Like don't don't look at it, like, 545 00:26:58,080 --> 00:27:01,199 Speaker 2: because when we think about performance, we look at it 546 00:27:01,240 --> 00:27:04,119 Speaker 2: over the course of decades versus years or months or 547 00:27:04,240 --> 00:27:06,760 Speaker 2: days or you know, sometimes people look at in terms 548 00:27:06,800 --> 00:27:09,720 Speaker 2: of hours, and that's not going to help your It's 549 00:27:09,760 --> 00:27:11,399 Speaker 2: not going to help your portfolio, right, You're not going 550 00:27:11,480 --> 00:27:12,879 Speaker 2: to look at the market and the market is going 551 00:27:12,920 --> 00:27:15,960 Speaker 2: to increase. It's not going to help your mental sanity either, 552 00:27:16,160 --> 00:27:18,600 Speaker 2: So just let it go. Like, just keep in mind, 553 00:27:18,640 --> 00:27:20,800 Speaker 2: the best performing accounts are the ones from people who 554 00:27:20,840 --> 00:27:23,560 Speaker 2: are dead that can't do anything to their account. 555 00:27:24,920 --> 00:27:27,040 Speaker 1: Bringing that fact out. I love that and women, right, like, 556 00:27:27,040 --> 00:27:27,800 Speaker 1: we're better at it. 557 00:27:28,080 --> 00:27:33,800 Speaker 2: Oh yeah, just because I mean, clearly smarter, right men? 558 00:27:32,280 --> 00:27:37,920 Speaker 1: That so horrible, but. 559 00:27:37,880 --> 00:27:40,159 Speaker 2: I mean that's it's so true. Like I was talking 560 00:27:40,280 --> 00:27:42,399 Speaker 2: to a brand the other day and they're just like, 561 00:27:42,440 --> 00:27:46,040 Speaker 2: we think it's really fascinating that half of the people 562 00:27:46,200 --> 00:27:48,639 Speaker 2: or sixty percent of people who follow you or women, 563 00:27:48,960 --> 00:27:50,960 Speaker 2: And I was like, because women are smart, and women 564 00:27:51,280 --> 00:27:54,200 Speaker 2: understand what it means to actually invest the right way, 565 00:27:54,600 --> 00:27:58,040 Speaker 2: and they tend not to jump into ultra risky investments 566 00:27:58,040 --> 00:28:01,720 Speaker 2: that won't pay off into the future, and that's the 567 00:28:01,720 --> 00:28:04,080 Speaker 2: reason why they gravitate towards me. But if I start 568 00:28:04,160 --> 00:28:08,000 Speaker 2: talking about like options trading or anything like trading four 569 00:28:08,200 --> 00:28:10,040 Speaker 2: x or whatever, I'm sure I would get you know, 570 00:28:10,119 --> 00:28:13,080 Speaker 2: more men that might come in. But that's not my jam, 571 00:28:13,119 --> 00:28:14,160 Speaker 2: because I know it doesn't work. 572 00:28:16,040 --> 00:28:17,320 Speaker 1: Yeah, that's great changes. 573 00:28:17,760 --> 00:28:19,840 Speaker 3: Yeah, I think four oh one K. Just to remember 574 00:28:19,840 --> 00:28:21,560 Speaker 3: the difference between the IRA and the four to one K. 575 00:28:21,680 --> 00:28:25,280 Speaker 3: The four one K the you know, it closes on 576 00:28:25,320 --> 00:28:29,359 Speaker 3: December thirty first, so that's the last time, last chance 577 00:28:29,400 --> 00:28:30,320 Speaker 3: to make a contribution. 578 00:28:30,359 --> 00:28:32,280 Speaker 4: And we're talking about the four to one K through 579 00:28:32,280 --> 00:28:34,960 Speaker 4: your employer and the IRA. 580 00:28:35,200 --> 00:28:38,040 Speaker 3: You actually have until April twenty twenty three, right, you 581 00:28:38,120 --> 00:28:40,200 Speaker 3: have until you file your taxes to. 582 00:28:40,320 --> 00:28:44,280 Speaker 4: Make twenty twenty twenty twenty two contributions. So even if 583 00:28:44,320 --> 00:28:46,080 Speaker 4: you're like, oh my god, I'm not going to hit 584 00:28:46,120 --> 00:28:46,680 Speaker 4: that six. 585 00:28:46,560 --> 00:28:49,560 Speaker 3: K max, you have like a few more months to 586 00:28:49,640 --> 00:28:52,560 Speaker 3: get it to get it in. So just remember that 587 00:28:52,680 --> 00:28:55,200 Speaker 3: also the four one K, the IRA contributions are going 588 00:28:55,280 --> 00:28:55,760 Speaker 3: up next year. 589 00:28:55,800 --> 00:28:58,040 Speaker 4: Everything's going up next yeah, right, it's going to be 590 00:28:58,080 --> 00:28:59,880 Speaker 4: sixty five hundred and. 591 00:29:00,600 --> 00:29:03,840 Speaker 1: The four hu is it twenty two to five? 592 00:29:04,760 --> 00:29:06,440 Speaker 4: The four to one case twenty three five? 593 00:29:07,200 --> 00:29:11,960 Speaker 3: So remember to adjust your contribution percentages if you need 594 00:29:12,000 --> 00:29:13,840 Speaker 3: to for next year so that you're getting as close 595 00:29:13,880 --> 00:29:15,800 Speaker 3: to maxing it out as possible. And the question that 596 00:29:15,840 --> 00:29:18,600 Speaker 3: I always get is does my maximum contribution include my 597 00:29:18,640 --> 00:29:19,440 Speaker 3: employer matches. 598 00:29:19,720 --> 00:29:23,520 Speaker 4: No, it does not, So you actually your employer can 599 00:29:23,560 --> 00:29:26,080 Speaker 4: throw in like another like fifty to sixty K. 600 00:29:27,680 --> 00:29:30,600 Speaker 3: Their contributions that their side of the contribution is much 601 00:29:30,680 --> 00:29:33,760 Speaker 3: much higher than yours. And then for my solo, for 602 00:29:33,880 --> 00:29:36,800 Speaker 3: my solopreneurs, entrepreneurs, you know, I always feel like we 603 00:29:36,880 --> 00:29:39,600 Speaker 3: leave them out, you guys, have your solo for one case, 604 00:29:39,640 --> 00:29:43,800 Speaker 3: your sapphire rays again, you can contribute as both employees 605 00:29:43,840 --> 00:29:48,040 Speaker 3: and employers, and you also have until like April to 606 00:29:48,560 --> 00:29:52,080 Speaker 3: make those contributions. So it's important to know how these 607 00:29:52,120 --> 00:29:56,840 Speaker 3: different accounts work. And depending on whether you're an employee entrepreneur, 608 00:29:57,320 --> 00:29:59,280 Speaker 3: you know, they all have different little rules. 609 00:29:59,560 --> 00:30:02,320 Speaker 4: And because the IRS likes to complicate things. 610 00:30:02,760 --> 00:30:06,840 Speaker 1: Yeah, that's it shocking government does that. Let it go 611 00:30:06,920 --> 00:30:09,680 Speaker 1: and let the money flow towards this problem, especially right 612 00:30:10,280 --> 00:30:14,080 Speaker 1: like this is one where I just so I transferred. 613 00:30:14,120 --> 00:30:15,960 Speaker 1: I thought I converted to an escort, but do you 614 00:30:15,960 --> 00:30:18,520 Speaker 1: know how slow the IRS is to like officially approve 615 00:30:18,560 --> 00:30:21,600 Speaker 1: that ish So officially I don't even I like, I 616 00:30:21,600 --> 00:30:23,520 Speaker 1: don't even know if I'm officially an escort. I've been 617 00:30:23,520 --> 00:30:26,440 Speaker 1: acting as such. So I hope it gets approved. But 618 00:30:26,800 --> 00:30:29,240 Speaker 1: last year I was too late. I like procrastinated, and 619 00:30:29,240 --> 00:30:31,120 Speaker 1: so I opened up instead of a solo for one 620 00:30:31,200 --> 00:30:33,640 Speaker 1: K for my first year of solopreneurship. I opened up 621 00:30:33,640 --> 00:30:36,280 Speaker 1: and you said a step IRA, So I opened that 622 00:30:36,400 --> 00:30:40,080 Speaker 1: up and then with my accountant they basically figured out okay, 623 00:30:40,120 --> 00:30:42,520 Speaker 1: so based on what you've earned and whatever, here's how 624 00:30:42,600 --> 00:30:45,160 Speaker 1: much you should sink into your step IRA for last year, 625 00:30:45,200 --> 00:30:47,000 Speaker 1: so I did that, and then so for this year, 626 00:30:47,040 --> 00:30:48,240 Speaker 1: I was like, okay, I'm going to get my ISSH 627 00:30:48,280 --> 00:30:50,240 Speaker 1: together and open up a solo for one K because 628 00:30:50,240 --> 00:30:54,040 Speaker 1: to Delli's point, you can actually contribute as an employee 629 00:30:54,080 --> 00:30:57,560 Speaker 1: and then as an employeer. So I just officially I 630 00:30:57,560 --> 00:30:59,240 Speaker 1: opened it up kind of late, but I did it. 631 00:30:59,320 --> 00:31:01,920 Speaker 1: I opened it up a couple of weeks ago. My 632 00:31:02,000 --> 00:31:04,479 Speaker 1: plan is because I've been looking at the market being like, well, 633 00:31:04,520 --> 00:31:06,520 Speaker 1: I'm not missing out on anything if I don't sink 634 00:31:06,560 --> 00:31:09,520 Speaker 1: some money into it right now. But yeah, my plan is, 635 00:31:09,520 --> 00:31:11,120 Speaker 1: I'm probably just going to do like one lump sum 636 00:31:11,160 --> 00:31:16,600 Speaker 1: contribution now that the account is open, and hopefully that'll 637 00:31:16,720 --> 00:31:20,360 Speaker 1: be fine, and then don't check it. You know right now? 638 00:31:20,440 --> 00:31:22,080 Speaker 2: Did you traditional or WROTH? 639 00:31:22,960 --> 00:31:25,520 Speaker 1: I don't remember Roth? Wait, I don't remember. 640 00:31:25,840 --> 00:31:28,560 Speaker 2: Good question, Yeah, because I was going back and forth 641 00:31:28,600 --> 00:31:30,800 Speaker 2: as well. I mean, you have time to switch, but 642 00:31:31,000 --> 00:31:33,040 Speaker 2: I was going back and forth initially as well. 643 00:31:33,880 --> 00:31:37,000 Speaker 1: Pre tax, pre the traditional yeah, pre pre tax. 644 00:31:37,120 --> 00:31:41,160 Speaker 2: Yeah. So if everyone doesn't know, as Mandy mentioned, traditional 645 00:31:41,200 --> 00:31:43,040 Speaker 2: is pre tax, and then roth will be after tax 646 00:31:43,160 --> 00:31:45,480 Speaker 2: grows tax free. You take it out at fifty nine 647 00:31:45,480 --> 00:31:49,280 Speaker 2: and a half without having to pay taxes. So I 648 00:31:49,320 --> 00:31:51,120 Speaker 2: was going back and forth as well. And if I 649 00:31:51,160 --> 00:31:54,400 Speaker 2: wanted to do a traditional Roth or I'm sorry, a 650 00:31:54,560 --> 00:31:57,800 Speaker 2: Roth solo for one K or traditional, and I chose Roth. 651 00:31:58,400 --> 00:32:01,400 Speaker 2: But there are not many options out there to do 652 00:32:01,520 --> 00:32:05,080 Speaker 2: a Roth solo for one K besides Vanguard, which unfortunately 653 00:32:05,120 --> 00:32:07,600 Speaker 2: I had to use them. I don't like this, and 654 00:32:07,640 --> 00:32:09,840 Speaker 2: you think I'm biased, but I don't like their platform 655 00:32:09,880 --> 00:32:10,160 Speaker 2: at all. 656 00:32:10,240 --> 00:32:12,600 Speaker 1: But it sucks. But I've been with them for so long. 657 00:32:12,680 --> 00:32:16,480 Speaker 1: It's if you're listening, Vanguard, why can't you be better? 658 00:32:17,160 --> 00:32:19,240 Speaker 1: Like with all the money that we're in syncing into you, 659 00:32:19,280 --> 00:32:21,800 Speaker 1: why can't you invest in some IT support, you know 660 00:32:21,800 --> 00:32:23,720 Speaker 1: what I mean, like some of the stuff you can't 661 00:32:23,760 --> 00:32:27,120 Speaker 1: get on your phone anyhow. Anyhow, they just don't put. 662 00:32:27,120 --> 00:32:30,600 Speaker 2: Enough money into technology. And it has been happening since 663 00:32:30,600 --> 00:32:32,440 Speaker 2: I started in twenty twelve. 664 00:32:32,880 --> 00:32:35,120 Speaker 3: Well, I mean one thing about Vanguard, you know, I 665 00:32:35,280 --> 00:32:38,560 Speaker 3: say I'm a Vanguard customer as well, and I always 666 00:32:38,680 --> 00:32:40,040 Speaker 3: tell people to use them. 667 00:32:40,600 --> 00:32:45,600 Speaker 4: Yeah, their priority will and always have been the shareholders. 668 00:32:45,680 --> 00:32:46,760 Speaker 4: Like they are. 669 00:32:47,280 --> 00:32:50,840 Speaker 3: They prioritize keeping their costs as low as possible so 670 00:32:50,840 --> 00:32:53,120 Speaker 3: that they can keep the fees as low as possible. 671 00:32:53,160 --> 00:32:54,400 Speaker 4: So it's funny because like. 672 00:32:54,320 --> 00:32:56,680 Speaker 5: We'll complain about the platform and then somebody you know, 673 00:32:56,760 --> 00:32:59,280 Speaker 5: and then you've got like other companies that are putting 674 00:32:59,280 --> 00:33:01,960 Speaker 5: a bunch of money to their platform, but then they're 675 00:33:02,040 --> 00:33:04,920 Speaker 5: jacking up their fees, and so it's like, which. 676 00:33:04,720 --> 00:33:05,520 Speaker 4: One would you prefer? 677 00:33:05,560 --> 00:33:09,240 Speaker 3: And I'm like, I'll take a Yankee outdated website as 678 00:33:09,320 --> 00:33:11,400 Speaker 3: if that's going to save me one hundred to two 679 00:33:11,440 --> 00:33:15,000 Speaker 3: hundred thousand dollars in the long term from fees, you know. 680 00:33:15,120 --> 00:33:18,240 Speaker 3: So we have to we have to pick our battles 681 00:33:18,320 --> 00:33:22,160 Speaker 3: and it works. It's not fancy, it's not snazzy, it's 682 00:33:22,160 --> 00:33:25,360 Speaker 3: not sexy, but it works and my fees are low 683 00:33:25,520 --> 00:33:27,680 Speaker 3: af so I'm here. 684 00:33:27,920 --> 00:33:30,000 Speaker 1: Thanks for bringing me back down to earth. It's also 685 00:33:30,160 --> 00:33:32,080 Speaker 1: like they don't want you to have fun on their 686 00:33:32,120 --> 00:33:33,959 Speaker 1: play want you to get in and get out, literally 687 00:33:34,000 --> 00:33:36,240 Speaker 1: not treading and doing stuff. They're like, we just want 688 00:33:36,240 --> 00:33:38,160 Speaker 1: your money once and then go live your life. 689 00:33:38,240 --> 00:33:41,320 Speaker 2: Well, they give you everything that you need and nothing more. 690 00:33:41,800 --> 00:33:44,320 Speaker 2: And I would totally agree that. Leanne like, luckily, you know, 691 00:33:44,400 --> 00:33:48,520 Speaker 2: it's privileged enough to be at vanguard and positions where 692 00:33:48,520 --> 00:33:50,320 Speaker 2: I was able to make a lot of those decisions 693 00:33:50,360 --> 00:33:53,880 Speaker 2: and a lot of times when you're at certain companies 694 00:33:53,880 --> 00:33:56,040 Speaker 2: are like how much money can I make off of 695 00:33:56,480 --> 00:33:59,360 Speaker 2: X or this project whatever? We never talk about that. 696 00:33:59,480 --> 00:34:02,840 Speaker 2: Every single decision was made based off the client. Were like, 697 00:34:02,880 --> 00:34:04,960 Speaker 2: how are we improving the experience? How can we lower 698 00:34:05,000 --> 00:34:07,600 Speaker 2: the fees? How can we make sure that you know 699 00:34:07,600 --> 00:34:10,680 Speaker 2: when they're making contributions. It's easy, like they don't have 700 00:34:10,719 --> 00:34:14,200 Speaker 2: to worry about anything. So I would totally agree that 701 00:34:14,239 --> 00:34:17,880 Speaker 2: they try to focus a lot on the overall experience 702 00:34:18,000 --> 00:34:22,360 Speaker 2: and then how can they decrease fees, which, how they're structured, 703 00:34:22,360 --> 00:34:24,880 Speaker 2: they're able to keep fees pretty low. And then also 704 00:34:24,960 --> 00:34:27,680 Speaker 2: they make decisions throughout the year to make sure that 705 00:34:27,760 --> 00:34:30,840 Speaker 2: their fees remain low and remain competitive. 706 00:34:31,360 --> 00:34:33,800 Speaker 1: Dang, that was such a fun episode. Thank you Mark 707 00:34:33,880 --> 00:34:36,640 Speaker 1: and Delian again for joining us live in the Brown 708 00:34:36,680 --> 00:34:39,359 Speaker 1: Ambition studio to our BA fam. Hope you guys are 709 00:34:39,360 --> 00:34:41,920 Speaker 1: safe and well. If you miss the episode live and 710 00:34:41,960 --> 00:34:44,080 Speaker 1: you want to see what my version of the Black 711 00:34:44,120 --> 00:34:47,680 Speaker 1: Teacher at Hogwarts looks like, definitely go check us out 712 00:34:47,719 --> 00:34:51,280 Speaker 1: on YouTube. Just search Brown Ambition. You will find the episode. 713 00:34:51,360 --> 00:34:54,360 Speaker 1: You'll find our channel and why not subscribe while you're there. Okay. 714 00:34:54,840 --> 00:34:57,640 Speaker 1: We love engaging with our audience in this new and 715 00:34:57,719 --> 00:35:00,279 Speaker 1: exciting way, so check us out. Let us know. How 716 00:35:00,280 --> 00:35:02,800 Speaker 1: would you think of our YouTube channel and the Halloween 717 00:35:02,840 --> 00:35:06,480 Speaker 1: Treat special. Shout out to everyone who attended live and 718 00:35:06,560 --> 00:35:09,879 Speaker 1: again to our amazing gas, Delian and Mark, and we'll 719 00:35:09,880 --> 00:35:13,319 Speaker 1: see y'all next week. Hey ba fam, we could not 720 00:35:13,400 --> 00:35:16,200 Speaker 1: do this show without your support or the support. 721 00:35:15,840 --> 00:35:17,360 Speaker 4: Of our team behind the scenes. 722 00:35:17,640 --> 00:35:21,240 Speaker 1: The Brown Emission Podcast is produced by Cumulus Podcast Network. 723 00:35:21,320 --> 00:35:24,799 Speaker 1: It's edited by the wonderful Imani Crosby and produced by 724 00:35:24,840 --> 00:35:28,920 Speaker 1: Tanya Bustos. Dennis Stimplinsky is our in house tech guru, 725 00:35:29,000 --> 00:35:31,759 Speaker 1: and I am Bandy Woodard Santos, your co host, and 726 00:35:31,880 --> 00:35:35,800 Speaker 1: I will see y'all next week.