WEBVTT - Ep 332: A BA Halloween Special

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<v Speaker 1>Hey va, fam, it's Mandy Money here. Now. I believe

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<v Speaker 1>that we all have a unique superpower in life, me personally.

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<v Speaker 1>I was lucky enough to discover mine about ten years ago.

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<v Speaker 1>I was just a few years into my career as

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<v Speaker 1>a financial journalist. I had spent weeks I was interviewing

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<v Speaker 1>at this huge media company which you guys may or

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<v Speaker 1>may not have heard of, called Yahoo, and they wanted

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<v Speaker 1>to poach me. I suspected that I was underpaid at

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<v Speaker 1>the time, and I was ready to finally tip the

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<v Speaker 1>scales back in my favor. I plucked up every kernel

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<v Speaker 1>of courage I had and I negotiated the hell out

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<v Speaker 1>of that offer. In the end, I walked away super

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<v Speaker 1>victorious with a twenty eight thousand dollars salary bump and

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<v Speaker 1>a forty five thousand dollars batch of equity, and from

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<v Speaker 1>that point on I never looked back. That was the

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<v Speaker 1>day that I learned my superpower was being able to

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<v Speaker 1>fight through my fear and my doubts, leverage my skills

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<v Speaker 1>as a storyteller and business reporter, negotiate like a bad ass. Now,

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<v Speaker 1>those negotiation skills propelled me to a multiple six figure

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<v Speaker 1>salary before the age of thirty. But that would not

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<v Speaker 1>be that exciting if I couldn't help y'all as well.

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<v Speaker 1>So that's why for the past year and a half,

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<v Speaker 1>I have coached hundreds of women from across the US

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<v Speaker 1>and beyond in their job searches and their salary negotiations.

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<v Speaker 1>And the wins that I have seen y'all secure incredible,

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<v Speaker 1>like an attorney who I helped get a ten thousand

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<v Speaker 1>dollars salary bump and a fifteen thousand dollars signing bonus

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<v Speaker 1>just this past March. And another woman named Rose who

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<v Speaker 1>used my negotiation scripts to score three thousand dollars more

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<v Speaker 1>from a recent job offer. Y'all, these wins have showed

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<v Speaker 1>me that I am meant to do this work, and

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<v Speaker 1>I am so excited that I am going to be

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<v Speaker 1>relaunching my sold out masterclass called Nail Your Negotiation. The

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<v Speaker 1>Masterclass five steps to negotiate like a bad ass and

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<v Speaker 1>never leave money on the table again. I'm going to

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<v Speaker 1>be coming to you live with this masterclass on Tuesday,

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<v Speaker 1>November eighth at eight pm Eastern Standard time. Check the

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<v Speaker 1>show notes for a link to register. Y'all. My first

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<v Speaker 1>masterclass last month completely sold out. We were turning away

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<v Speaker 1>people at the virtual door. You do not want to

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<v Speaker 1>miss out on this, so definitely register. Go to Nail

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<v Speaker 1>your Negotiation dot Com to grab your seats. I hope

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<v Speaker 1>to see y'all there. Here's what I'm going to be

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<v Speaker 1>covering in this masterclass. You're going to learn how to

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<v Speaker 1>finally get over your fear of negotiating, how to brand

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<v Speaker 1>yourself so you can attract the juiciest job offers, how

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<v Speaker 1>to figure out what to ask for before you negotiate,

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<v Speaker 1>how to nail that interview so they practically throw money

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<v Speaker 1>at you, And last but not least, how to rock

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<v Speaker 1>that counteroffer and you leave no crumbs behind. Plus, live

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<v Speaker 1>attendees are going to get a free bonus negotiating cheat

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<v Speaker 1>sheet that's going to make it super easy to calculate

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<v Speaker 1>your target salary, so you go into a negotiation strong,

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<v Speaker 1>knowing your value. Let's do this, y'all. Join me November

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<v Speaker 1>eighth at eight pm for the Nail your Negotiation Masterclass again.

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<v Speaker 1>Grab your seat. They are limited. Only five hundred seats

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<v Speaker 1>are open. Go to Nail Yournegotiation dot Com to grab

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<v Speaker 1>your seat and I will see y'all their moneymakers. Hey, hey,

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<v Speaker 1>ba fam Welcome to a very who spooctacular episode of

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<v Speaker 1>Brown Ambition. Our beloved Tiffany is off on her rich

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<v Speaker 1>auntie birthday adventure in Dubai, so we wish her all

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<v Speaker 1>the best and happy belated birthday. Tif. We love you,

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<v Speaker 1>but we would never leave y'all, hang and ba fan.

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<v Speaker 1>That's why we brought not one but two very special

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<v Speaker 1>guests to join me live on YouTube in the studio

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<v Speaker 1>on this past Monday. And that's what you're gonna hear today,

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<v Speaker 1>the incredible conversation I had on Halloween for our Halloween

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<v Speaker 1>treat Brown Ambition Edition with Delianburrows from Delhi and the

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<v Speaker 1>Money Coach and Mark Russell from Betterwallet. Y'all, this was

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<v Speaker 1>such a fun conversation. We talked about everything from our

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<v Speaker 1>favorite Halloween treats to the tricks that are happening now

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<v Speaker 1>and our finances that have got us looking and giving

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<v Speaker 1>everyone the side eye all right, from Elon Musk owning

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<v Speaker 1>Twitter to is this really the best time to buy

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<v Speaker 1>a house right now? Y'all do not want to miss this,

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<v Speaker 1>So I hope you enjoyed this episode and as ever,

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<v Speaker 1>we'd love to hear from y'all, so hit us up

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<v Speaker 1>on ig at Brand Ambission Podcast. Make sure you go

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<v Speaker 1>and follow Delian and Mark. They are both incredible financial

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<v Speaker 1>educators in their own right. And without further ado, here's

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<v Speaker 1>our spook Tecular Halloween episode. Say hello to our special

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<v Speaker 1>Spooktacular Ooh, I said it. I thought I wasn't going

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<v Speaker 1>to say it, but we're going for it our special

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<v Speaker 1>Spooktacular guest today for a special Halloween Treat edition of

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<v Speaker 1>the Brand Ambission Podcast. We got two incredible guest hosts today.

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<v Speaker 1>We have Delian the Money Coach tuning in from the

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<v Speaker 1>West Coast, right the best host Cali Callen Callie Kelly,

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<v Speaker 1>and then the lovely I don't even know how I

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<v Speaker 1>can't look at you in that hat, Mark Russell from

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<v Speaker 1>Better Wallet joining me from where are You Atlanta?

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<v Speaker 2>The Beast Coast Atlanta. A.

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<v Speaker 1>All right, well, this is going to be such a

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<v Speaker 1>fun show, y'all. We got a lot planned for y'all.

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<v Speaker 1>We are going to be taking questions live, so if

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<v Speaker 1>you have questions, feel free to drop them in the comments.

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<v Speaker 1>Through some magical YouTube magic, we're going to be able

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<v Speaker 1>to see your questions and take them live as we

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<v Speaker 1>go through the show. That's what I've been told. I've

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<v Speaker 1>rid to introduce myself. I'm Mandy woodrib Santos, one half

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<v Speaker 1>of Brand and Bisson podcast. So excited to have you

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<v Speaker 1>guys here today, all right, so listen. I was just

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<v Speaker 1>like complaining a little bit because I don't know, you

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<v Speaker 1>guys don't have small children or children you have, you

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<v Speaker 1>have fur babies, right, But when I tell you, Halloween

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<v Speaker 1>has felt like it has lasted a year. This like

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<v Speaker 1>it has been going on for weeks at this point,

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<v Speaker 1>and today I have to scrounge up some energy to

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<v Speaker 1>like take the little one trick or treating and I don't,

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<v Speaker 1>and all the good candies gone, like someone took my

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<v Speaker 1>reci's pumpkins from this party we had yesterday. And oh man,

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<v Speaker 1>I thought.

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<v Speaker 3>The rule was if Halloween landed on a Monday, you

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<v Speaker 3>celebrate the weekend before and then it's over.

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<v Speaker 1>You do, but it's the week before because there's like

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<v Speaker 1>days at the school and like different crap happens, and

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<v Speaker 1>then there's the parties and everyone wants you to come

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<v Speaker 1>to their party, so they have on different days of

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<v Speaker 1>the week, and it's just like I'm dragging in Atlanta.

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<v Speaker 2>Every day's a party, So like, I feel like they've

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<v Speaker 2>been celebrating since well all month, pretty much like every day,

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<v Speaker 2>I feel like someone like has a mask on or

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<v Speaker 2>they have like a cosson on. It's just this weekend

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<v Speaker 2>where everyone's just going crazy. I'm sure it's probably going

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<v Speaker 2>to be until next weekend too.

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<v Speaker 3>Yeah, it's funny like I'm I'm in the middle. Because

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<v Speaker 3>you've got Mandy with the kids, Marks clearly going through

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<v Speaker 3>his party phase.

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<v Speaker 4>I'm like, I pass the party phase. I don't want kids.

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<v Speaker 4>I am in the I'm going to stay home and

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<v Speaker 4>party all by myself.

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<v Speaker 2>I do have plant babies, though I have three of them.

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<v Speaker 2>You could see one, actually it's not here you go.

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<v Speaker 2>There's one here you go, and then there's a few

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<v Speaker 2>others in here and they are alive and well.

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<v Speaker 1>But no, I was gonna wear a costume, but I

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<v Speaker 1>left it in the uber because I was too wasted

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<v Speaker 1>at two am. I do have company.

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<v Speaker 2>Very scary for you guys though.

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<v Speaker 4>So maybe for it. Can you see it?

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<v Speaker 3>Oh?

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<v Speaker 1>No? Is that a bill? Instagram is down? Yeah, now listen,

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<v Speaker 1>don't let's let's let's be honest here. How many of

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<v Speaker 1>y'all saw your followers drop today and you were like,

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<v Speaker 1>what happened?

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<v Speaker 4>I got canceled?

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<v Speaker 2>Flash Tag Barrel wallet, just to see if I got canceled,

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<v Speaker 2>And I was like, my friends didn't tell me I

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<v Speaker 2>got canceled.

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<v Speaker 1>What's going on with that? Is that not as we're

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<v Speaker 1>speaking of, like we're going to talk about some scary

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<v Speaker 1>money topics. But I feel like in our game, in

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<v Speaker 1>our business, it is one of the scariest propositions, like

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<v Speaker 1>prospects is getting canceled, because like, if they won't, if

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<v Speaker 1>they don't want to, if they don't listen to us,

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<v Speaker 1>how are we going to make money anymore? I don't

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<v Speaker 1>know what I'm gonna say. Oh god, well, let's get

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<v Speaker 1>into it. What do you what are y'all's let's let's

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<v Speaker 1>talk about some halloween as my dog loses her mind,

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<v Speaker 1>Let's talk about some some spooky money topics. I feel

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<v Speaker 1>like for me, I still suffer from this this fear

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<v Speaker 1>sometimes of opening bills, especially from like doctor's offices. You

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<v Speaker 1>know how they still send you paper bills in the

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<v Speaker 1>mail for like thirty dollars for your copey. I just

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<v Speaker 1>let them pile up. And my husband's like, you're a

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<v Speaker 1>full grown adult woman and you talk to people about

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<v Speaker 1>money all the time. Can you open your damn like

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<v Speaker 1>and pay your copey?

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<v Speaker 3>But I like sweat every time I get real mail,

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<v Speaker 3>not like junk mail, anything related to my money, my

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<v Speaker 3>four to one K, my bank accounts.

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<v Speaker 4>For some reason. Yeah, I have like an aversion to

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<v Speaker 4>opening physical mail. Same way.

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<v Speaker 1>Yeah, yeah, what is it? And why does it feel

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<v Speaker 1>like if it comes in the mail, it's like that

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<v Speaker 1>much scarier And do y'all get the eye arrests rando mails?

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<v Speaker 1>Like the snail mail all the time. I got an

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<v Speaker 1>eighteen thousand dollars bill, not kidding, this is why don't

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<v Speaker 1>put my mail I had missed, like the first notice. Yeah,

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<v Speaker 1>like the state of New York. If you're if you're

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<v Speaker 1>a business owner, like it's not all sunshine and daisies.

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<v Speaker 1>You think that you get like your tax situation all settled,

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<v Speaker 1>and then they can make mistakes. And it was a

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<v Speaker 1>total mistake. I don't actually owe eighteen thousand, but the

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<v Speaker 1>stress and anxiety that that brought unto my soul just

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<v Speaker 1>to open that.

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<v Speaker 2>And you have to be careful too, because some of them,

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<v Speaker 2>some of those letters might not even be from the

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<v Speaker 2>irs or from the government in general. When I first

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<v Speaker 2>opened up my LLC I got when I was back

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<v Speaker 2>in Philly. I got a note from Pennsylvania and it

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<v Speaker 2>was saying, hey, like, you need to pay like two

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<v Speaker 2>thousand dollars in order.

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<v Speaker 4>To open up the LLC.

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<v Speaker 2>And it was really really official, and I'm like me

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<v Speaker 2>being like the way I am, I'm like, there's no

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<v Speaker 2>ways it's true. Like I feel like I paid all

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<v Speaker 2>the fees I needed. And I googled it and there

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<v Speaker 2>was some lawyer, you know, was saying, hey, like, here's

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<v Speaker 2>the newest hoax. And I'm like, man, like, I almost

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<v Speaker 2>fell for it. I can't imagine how many other people

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<v Speaker 2>would have probably like fell for this.

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<v Speaker 3>So I've seen that with with trademark applications. Mark, I

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<v Speaker 3>know you recently got your trademark waiting for mine. So

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<v Speaker 3>apparently as soon as you file for a trademark, you

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<v Speaker 3>start getting bombarded because it's public. It's public, so you

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<v Speaker 3>start getting bombarded with mail from people. Yeah, was saying, oh,

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<v Speaker 3>you have this additional fee for your trademark, this additional fee,

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<v Speaker 3>and immediately my attorney told me you're going to get

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<v Speaker 3>these notices, ignore them. I still got freaked out. I

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<v Speaker 3>still like scanned it and send it to her. I'm like,

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<v Speaker 3>what is this. She's like, I'm told you to ignore.

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<v Speaker 1>Listen, trademark. Hel is my life right now. I don't

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<v Speaker 1>know if I told y'all, but I discovered that there

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<v Speaker 1>is another Mandy Money out there. Well, the man, there's

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<v Speaker 1>a Mandy Money with a Y. Mandy with a Y money, Yes,

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<v Speaker 1>And I found that out when I went to file

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<v Speaker 1>my trademark. And I don't know if you and I

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<v Speaker 1>use the same trademark attorney Deli. Her name's Kristen. Yeah, okay.

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<v Speaker 1>So we met and she was like and I was

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<v Speaker 1>in the middle of telling her, I'm like, yeah, it's

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<v Speaker 1>my name, it's my business. So you know, I've been

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<v Speaker 1>doing it for a couple of years now, and I

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<v Speaker 1>feel confident that it'll be fine. And she's like, well,

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<v Speaker 1>let me show you something. Here's this application for Mandy

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<v Speaker 1>Money with a Y and it's it's I'm just going

0:11:22.160 --> 0:11:23.880
<v Speaker 1>to speak it into existence. It's going to be fine.

0:11:24.120 --> 0:11:28.040
<v Speaker 1>But I have had to let go and let the

0:11:28.080 --> 0:11:30.400
<v Speaker 1>money flow so that I can just give it over

0:11:30.440 --> 0:11:33.560
<v Speaker 1>to the experts. And that is like one of the

0:11:33.600 --> 0:11:35.920
<v Speaker 1>scariest and I feel like I need to stop fighting

0:11:35.960 --> 0:11:38.880
<v Speaker 1>the reality that when you have a business, like no

0:11:38.920 --> 0:11:40.720
<v Speaker 1>one's going to come to save you, but you you

0:11:40.800 --> 0:11:43.959
<v Speaker 1>have to just like and it's choices all the time.

0:11:44.000 --> 0:11:46.640
<v Speaker 1>Who am I gonna hire to take care of this fire?

0:11:46.720 --> 0:11:50.120
<v Speaker 1>And like this like problem and I'm like switching accountants

0:11:50.160 --> 0:11:53.160
<v Speaker 1>right now. It's not all it's not all you know

0:11:53.280 --> 0:11:58.640
<v Speaker 1>reels and tiktoks and.

0:11:56.040 --> 0:11:59.000
<v Speaker 2>And yeah, but those are like that's a really good

0:11:59.000 --> 0:12:02.360
<v Speaker 2>money point. In general, I think I get questions from

0:12:02.400 --> 0:12:04.360
<v Speaker 2>people all the time because we're in this kind of

0:12:04.360 --> 0:12:06.640
<v Speaker 2>like frugal world where people are like, Okay, I need

0:12:06.640 --> 0:12:11.080
<v Speaker 2>to cut costs wherever. And when it comes to being

0:12:11.200 --> 0:12:14.320
<v Speaker 2>like or getting a CPA or having like a trademark lawyer,

0:12:14.480 --> 0:12:17.200
<v Speaker 2>I think it's invaluable, Like you want to make sure

0:12:17.240 --> 0:12:19.440
<v Speaker 2>that you pay as much as you can for people

0:12:19.440 --> 0:12:22.040
<v Speaker 2>are going to protect your business and then also keep

0:12:22.080 --> 0:12:24.520
<v Speaker 2>you away from uncle uncle Samuel.

0:12:25.600 --> 0:12:27.720
<v Speaker 1>So like I know why I was filing.

0:12:27.800 --> 0:12:30.080
<v Speaker 2>I was trying to be frugal initially, and I was like, okay,

0:12:30.160 --> 0:12:32.400
<v Speaker 2>well I can I can do this trademark thing on

0:12:32.440 --> 0:12:35.280
<v Speaker 2>my own. And then I started thinking about what could

0:12:35.320 --> 0:12:39.319
<v Speaker 2>possibly happen if Fidelity owned better Wallet the name of

0:12:39.400 --> 0:12:42.040
<v Speaker 2>better Wallet, and I had to go against them, or

0:12:42.040 --> 0:12:44.800
<v Speaker 2>maybe if they filed before I did. So I think

0:12:44.840 --> 0:12:46.960
<v Speaker 2>it's really key to make sure you're paying for those

0:12:47.000 --> 0:12:49.840
<v Speaker 2>folks like you're doing. What was the quote again, let

0:12:49.920 --> 0:12:51.079
<v Speaker 2>go and let the money flow.

0:12:51.559 --> 0:12:55.760
<v Speaker 1>Oh yeah, I just came up with that because just

0:12:55.760 --> 0:12:57.600
<v Speaker 1>just accept the fact that you're going to have to

0:12:57.840 --> 0:12:59.800
<v Speaker 1>reserve a part of your budget for the help that

0:12:59.840 --> 0:13:02.160
<v Speaker 1>you're going to need, like to be in defense mode.

0:13:02.200 --> 0:13:04.280
<v Speaker 1>I don't really watch sports, but you know, like defense.

0:13:05.880 --> 0:13:09.480
<v Speaker 2>If you're watching any sports, watch watch my Philadelphia Phillies

0:13:09.520 --> 0:13:10.600
<v Speaker 2>and Philadelphia Eagles.

0:13:10.600 --> 0:13:13.520
<v Speaker 4>They're doing really well. I have already checked out of

0:13:13.559 --> 0:13:14.199
<v Speaker 4>this conversation.

0:13:14.280 --> 0:13:17.000
<v Speaker 2>Oh you're in San Diego.

0:13:17.640 --> 0:13:19.160
<v Speaker 4>The only thing I care about is the World Cup.

0:13:19.240 --> 0:13:23.360
<v Speaker 1>Sorry, all right, Well we've talked about some spooky stuff.

0:13:23.600 --> 0:13:25.880
<v Speaker 1>Let's let's pivot and talk about Halloween. So I am

0:13:25.920 --> 0:13:28.560
<v Speaker 1>going as the black teacher from Hogwarts. That is my

0:13:28.640 --> 0:13:31.600
<v Speaker 1>look today. The cool one that you know got cut

0:13:31.679 --> 0:13:33.839
<v Speaker 1>because you know, she was a little too saucy for

0:13:34.520 --> 0:13:36.679
<v Speaker 1>the children, and so all her lines got cut from

0:13:36.720 --> 0:13:40.480
<v Speaker 1>the movies. But I want to talk about y'all's favorite

0:13:40.520 --> 0:13:43.200
<v Speaker 1>like Halloween memories as you were kids, Delly, you want

0:13:43.200 --> 0:13:44.920
<v Speaker 1>to start growing up in Miami.

0:13:45.000 --> 0:13:47.720
<v Speaker 3>What was it like, I mean, it's funny because, yeah,

0:13:47.720 --> 0:13:50.959
<v Speaker 3>I grew up in a condo, right, we never had

0:13:50.960 --> 0:13:55.480
<v Speaker 3>a home, so Halloween was going to the mall, also.

0:13:55.280 --> 0:13:58.960
<v Speaker 4>Playing around the stores. So it wasn't big in my house.

0:13:59.120 --> 0:14:02.680
<v Speaker 3>Like other holidays were bigger Christmas, but Halloween wasn't a

0:14:02.679 --> 0:14:03.640
<v Speaker 3>big deal my mom.

0:14:04.160 --> 0:14:06.240
<v Speaker 4>It's not something really Brazilian celebrate.

0:14:06.520 --> 0:14:09.160
<v Speaker 3>You know, I'm Brazilian and so my mom didn't really

0:14:09.200 --> 0:14:10.000
<v Speaker 3>get it.

0:14:10.960 --> 0:14:13.480
<v Speaker 1>But I feel like, y'all want to have some funky

0:14:13.480 --> 0:14:15.600
<v Speaker 1>costumes in but I.

0:14:15.640 --> 0:14:17.160
<v Speaker 4>Don't understand what's happening.

0:14:17.200 --> 0:14:20.200
<v Speaker 3>It's like we're just knock on people's houses and ask

0:14:20.240 --> 0:14:21.040
<v Speaker 3>them for food.

0:14:21.280 --> 0:14:24.600
<v Speaker 4>This is weird, Like don't get that.

0:14:24.720 --> 0:14:30.320
<v Speaker 1>They're like, no, everyone's a socialist on Halloween. There you go,

0:14:30.760 --> 0:14:32.480
<v Speaker 1>you get candy, You get candy.

0:14:32.440 --> 0:14:37.720
<v Speaker 4>Yeah, get it. And we just it was very low

0:14:37.800 --> 0:14:38.920
<v Speaker 4>key around my house.

0:14:39.680 --> 0:14:43.520
<v Speaker 3>I did the whole party, you know, go out party,

0:14:43.880 --> 0:14:49.360
<v Speaker 3>the sexy costumes, you know, the this year, I'm wearing

0:14:49.360 --> 0:14:52.240
<v Speaker 3>a onesie, like this was my Halloween costume. Last year

0:14:52.440 --> 0:14:55.200
<v Speaker 3>it was you know, it's a onesie. I was like,

0:14:55.240 --> 0:15:00.600
<v Speaker 3>I'm going comfortable comfort. I see word and you know,

0:15:00.640 --> 0:15:04.520
<v Speaker 3>I'm turning forty this year, so I am leaving so

0:15:04.720 --> 0:15:08.200
<v Speaker 3>hard into my forties. I'm like this, I did it, y'all.

0:15:08.240 --> 0:15:08.960
<v Speaker 3>I got through my.

0:15:09.000 --> 0:15:10.840
<v Speaker 4>Twenties, I got through the thirdies.

0:15:11.240 --> 0:15:14.880
<v Speaker 3>Forty is about comfort and doing what I want with

0:15:14.960 --> 0:15:17.200
<v Speaker 3>like no not caring how other people are going to

0:15:17.240 --> 0:15:18.680
<v Speaker 3>think about me, how they're going to judge me.

0:15:19.360 --> 0:15:21.800
<v Speaker 4>And I'm really really leaning hard into that.

0:15:21.920 --> 0:15:25.280
<v Speaker 3>And I'm child free by choice, So I do feel

0:15:25.280 --> 0:15:27.640
<v Speaker 3>for the parents and all the extra work you guys

0:15:27.720 --> 0:15:30.320
<v Speaker 3>have to do around the holidays, because these kids will

0:15:30.360 --> 0:15:31.640
<v Speaker 3>not let you slip these days.

0:15:31.680 --> 0:15:33.880
<v Speaker 4>Like they have social media now they see.

0:15:33.720 --> 0:15:37.400
<v Speaker 3>What their friends are doing they wanted to so they're

0:15:37.400 --> 0:15:39.560
<v Speaker 3>got you know, they You guys can't get away with

0:15:39.640 --> 0:15:43.200
<v Speaker 3>what like my parents got away with. So yeah, your

0:15:43.240 --> 0:15:44.240
<v Speaker 3>hands full.

0:15:44.280 --> 0:15:46.880
<v Speaker 1>Thanks for your sympathies and your pity. I appreciate it.

0:15:47.120 --> 0:15:49.640
<v Speaker 1>Your best rich on tea life, and I will live

0:15:49.720 --> 0:15:53.160
<v Speaker 1>vicariously through you and visit you in Portugal. All right, Mark?

0:15:53.200 --> 0:15:55.200
<v Speaker 1>What is what was little baby Mark dressing up for

0:15:55.240 --> 0:15:56.720
<v Speaker 1>Halloween as oh man?

0:15:56.960 --> 0:16:00.000
<v Speaker 2>So so growing up like delly am My parents really

0:16:00.080 --> 0:16:02.840
<v Speaker 2>then celebrate it, and it was more because they were

0:16:02.880 --> 0:16:07.200
<v Speaker 2>both from families that came from the South and were

0:16:07.320 --> 0:16:12.280
<v Speaker 2>raised in the church. So my memories of Halloween quote

0:16:12.360 --> 0:16:16.800
<v Speaker 2>unquote was our church forced us on Halloween Night to

0:16:16.920 --> 0:16:20.240
<v Speaker 2>stay at the church like overnight, and I did that

0:16:20.720 --> 0:16:23.520
<v Speaker 2>for years. So they didn't want you to go out

0:16:23.520 --> 0:16:26.840
<v Speaker 2>trigger treating in my town. I think the focus was

0:16:26.920 --> 0:16:30.360
<v Speaker 2>make sure we weren't participating in Mischief Night, which was

0:16:30.400 --> 0:16:34.000
<v Speaker 2>like a big thing where people go eggs and which

0:16:34.040 --> 0:16:35.600
<v Speaker 2>a lot of my friends did, and I tried not

0:16:35.640 --> 0:16:39.880
<v Speaker 2>to participate, try, but for the most part I was.

0:16:39.920 --> 0:16:43.440
<v Speaker 2>I was into church during that time. As I got older,

0:16:43.920 --> 0:16:47.480
<v Speaker 2>I would go and buy like a mask or something

0:16:47.600 --> 0:16:51.640
<v Speaker 2>very simple in order to quote unquote celebrate. And I

0:16:51.680 --> 0:16:54.120
<v Speaker 2>was like one of those older like trigger treaters because

0:16:54.160 --> 0:16:56.320
<v Speaker 2>I had that sweet tooth and I just wanted to

0:16:56.360 --> 0:16:56.640
<v Speaker 2>go out.

0:16:56.840 --> 0:17:00.160
<v Speaker 1>What's your favorite candy? What's your favorite candy?

0:17:00.760 --> 0:17:05.160
<v Speaker 2>Oh god, anything with caramel or carmel, however you pronounce it.

0:17:05.760 --> 0:17:09.480
<v Speaker 2>So I mean, one hundred gram was like my thing

0:17:10.000 --> 0:17:11.680
<v Speaker 2>even now, Like I was. I was at the store

0:17:11.720 --> 0:17:14.199
<v Speaker 2>not too long ago and I saw one. I was like,

0:17:14.200 --> 0:17:16.840
<v Speaker 2>oh my god, it's two for one. I can definitely

0:17:16.880 --> 0:17:19.720
<v Speaker 2>eat both of those. And I was like, like, I'm

0:17:19.720 --> 0:17:23.040
<v Speaker 2>on my health kick. Right now, I'm doing berries, you know,

0:17:23.280 --> 0:17:27.080
<v Speaker 2>every every other day, like I can't so, but yeah,

0:17:27.080 --> 0:17:29.920
<v Speaker 2>that was my memory growing up. It wasn't until college

0:17:30.160 --> 0:17:33.040
<v Speaker 2>and when I started really celebrating. I went to a

0:17:33.160 --> 0:17:36.800
<v Speaker 2>party school and being Penn State, and I had a

0:17:36.880 --> 0:17:40.240
<v Speaker 2>chicken suit every single year, So I was a giant.

0:17:40.280 --> 0:17:46.439
<v Speaker 1>Do you know that thing was inside washed it in

0:17:46.480 --> 0:17:48.800
<v Speaker 1>between halloweens? Please tell me you did? You know?

0:17:50.040 --> 0:17:54.280
<v Speaker 2>That's what they say you should do in college. I'm

0:17:54.320 --> 0:17:58.359
<v Speaker 2>answering like a politician. But yeah, no, I I tried.

0:17:58.119 --> 0:18:01.440
<v Speaker 1>To, but some start talking about the importance of keeping

0:18:01.480 --> 0:18:06.439
<v Speaker 1>antibiotics in our out of our poultry and change the subject. Okay,

0:18:06.520 --> 0:18:08.240
<v Speaker 1>be a fan. We're going to take a quick break

0:18:08.240 --> 0:18:10.919
<v Speaker 1>and be right back with more of our Halloween treats

0:18:12.040 --> 0:18:15.800
<v Speaker 1>and Delli, you're about to like move to Portugal, right Plus,

0:18:15.800 --> 0:18:18.840
<v Speaker 1>you're turning forty. You're living all of our rich auntig dreams.

0:18:18.920 --> 0:18:20.600
<v Speaker 1>Catch us up. What's going on in your world?

0:18:21.080 --> 0:18:26.280
<v Speaker 3>Yes, I switch my least month to month. So the

0:18:26.320 --> 0:18:29.280
<v Speaker 3>process is in the works. I've hired an attorney to

0:18:29.320 --> 0:18:31.879
<v Speaker 3>get the paperwork done. The goal is to move to

0:18:31.920 --> 0:18:34.159
<v Speaker 3>Portugal in the next four to six months, probably closer

0:18:34.200 --> 0:18:40.240
<v Speaker 3>to six months and yeah, I'm gonna have a It's

0:18:40.240 --> 0:18:42.240
<v Speaker 3>a wild process because you actually have to.

0:18:42.119 --> 0:18:44.240
<v Speaker 4>Like rent an apartment before you even get there.

0:18:44.280 --> 0:18:45.800
<v Speaker 3>So you have to you have to rent it like

0:18:45.920 --> 0:18:48.960
<v Speaker 3>sight unseen, and you have to have everything like lined up,

0:18:49.000 --> 0:18:51.080
<v Speaker 3>you have to have a bank account open in the country,

0:18:51.119 --> 0:18:53.880
<v Speaker 3>all this stuff. But again another thing that you could

0:18:53.880 --> 0:18:54.760
<v Speaker 3>totally diy.

0:18:55.480 --> 0:18:57.360
<v Speaker 4>But I don't mess.

0:18:57.200 --> 0:19:00.639
<v Speaker 3>Around when it comes to immigration, being you know, former

0:19:00.680 --> 0:19:03.640
<v Speaker 3>immigrant myself, where I went through the immigration processing.

0:19:03.280 --> 0:19:06.240
<v Speaker 4>The United States, I'm like, no, I'm going to hire

0:19:06.240 --> 0:19:08.760
<v Speaker 4>an attorney and I'm going to get help so that

0:19:08.880 --> 0:19:10.280
<v Speaker 4>it's because it's also a very.

0:19:10.119 --> 0:19:15.240
<v Speaker 3>Stressful process in general, I'm like, why not have support.

0:19:15.520 --> 0:19:16.520
<v Speaker 4>So I'm you.

0:19:16.440 --> 0:19:20.600
<v Speaker 3>Know, I've hired somebody, and it's it's exciting, it's nerve

0:19:20.640 --> 0:19:22.600
<v Speaker 3>wracking at the same time I'm moving there.

0:19:22.640 --> 0:19:25.040
<v Speaker 4>The goal is to to go buy myself a.

0:19:25.000 --> 0:19:28.520
<v Speaker 3>Home eventually and bring my mom and retire my mom

0:19:28.560 --> 0:19:32.360
<v Speaker 3>as well. So I'm trying to like reunify our family

0:19:32.520 --> 0:19:34.400
<v Speaker 3>right because my mom's in Brazil, my.

0:19:34.320 --> 0:19:35.240
<v Speaker 4>Sisters are Hawaii.

0:19:35.760 --> 0:19:37.600
<v Speaker 3>So the goal is to like get us all like

0:19:37.840 --> 0:19:41.080
<v Speaker 3>in one place so that we can be a family

0:19:41.119 --> 0:19:45.040
<v Speaker 3>again in one country, which is a lot.

0:19:45.760 --> 0:19:46.560
<v Speaker 1>Are you the big sister?

0:19:47.000 --> 0:19:47.400
<v Speaker 4>I am?

0:19:47.640 --> 0:19:51.960
<v Speaker 1>And you can tell I am not like that.

0:19:52.600 --> 0:19:54.959
<v Speaker 4>A matriarch more than my mom, you know.

0:19:55.040 --> 0:19:57.879
<v Speaker 3>And this is something that a lot of first gens

0:19:57.920 --> 0:20:00.960
<v Speaker 3>and like older daughters unders stand that we take on

0:20:01.040 --> 0:20:04.000
<v Speaker 3>this role of, you know, matriarch because usually we're the

0:20:04.000 --> 0:20:07.480
<v Speaker 3>ones that have made it and we have money, and

0:20:07.520 --> 0:20:11.680
<v Speaker 3>so we're kind of making these big decisions for our family.

0:20:11.880 --> 0:20:13.680
<v Speaker 4>And I do it in a way that like.

0:20:13.640 --> 0:20:17.560
<v Speaker 3>I'm not dictating my mom's life, Like I literally send

0:20:17.560 --> 0:20:19.320
<v Speaker 3>her money every month and I'm like, do what you

0:20:19.359 --> 0:20:22.480
<v Speaker 3>want with this money, like no strings attached, Like this

0:20:22.640 --> 0:20:23.359
<v Speaker 3>is for you to do.

0:20:23.320 --> 0:20:24.000
<v Speaker 4>As you please.

0:20:24.040 --> 0:20:25.840
<v Speaker 3>And I think that that's how you keep the peace

0:20:26.359 --> 0:20:29.399
<v Speaker 3>when you miss when you mix like family and money

0:20:29.920 --> 0:20:32.520
<v Speaker 3>is you can't put too many rules on it because

0:20:32.560 --> 0:20:37.040
<v Speaker 3>then resentment starts to increase, and then the whole thing

0:20:37.119 --> 0:20:38.120
<v Speaker 3>turns into chaos.

0:20:38.320 --> 0:20:40.840
<v Speaker 4>So we've been able to make that work. My mom's

0:20:41.040 --> 0:20:42.400
<v Speaker 4>very excited about Portugal.

0:20:42.440 --> 0:20:44.480
<v Speaker 3>She's already got her bags packed even though she's not

0:20:44.560 --> 0:20:47.000
<v Speaker 3>coming for like a year or so.

0:20:47.000 --> 0:20:50.919
<v Speaker 4>So it's it's exciting. We all speak the language. It's

0:20:51.720 --> 0:20:53.240
<v Speaker 4>a very beautiful country.

0:20:53.359 --> 0:20:55.919
<v Speaker 3>If you haven't been, I highly recommend and they just

0:20:56.000 --> 0:20:58.040
<v Speaker 3>opened a digital nomad visa.

0:20:58.240 --> 0:21:01.240
<v Speaker 4>So if you have a business or if you're allowed

0:21:01.240 --> 0:21:04.400
<v Speaker 4>to be a remote employee, you can now move to Portugal.

0:21:05.040 --> 0:21:08.800
<v Speaker 1>What all right, listen, I might have to make that happen.

0:21:11.040 --> 0:21:13.119
<v Speaker 4>I don't know if.

0:21:13.000 --> 0:21:15.800
<v Speaker 1>It'll be Portugal, But I mean, what scares me these days?

0:21:15.880 --> 0:21:17.520
<v Speaker 1>Or the midterm elections? Can we just do a quick

0:21:17.520 --> 0:21:20.160
<v Speaker 1>shout out for early voting? Y'all got to vote? Because

0:21:20.200 --> 0:21:22.480
<v Speaker 1>I know, Deli, you're about to flee the country, which

0:21:22.520 --> 0:21:25.439
<v Speaker 1>is but you're going to keep your citizenship, right absentee?

0:21:25.480 --> 0:21:28.840
<v Speaker 1>Right listen? You ho midterms coming up next week? Freaks

0:21:28.880 --> 0:21:32.399
<v Speaker 1>me out. So that's what's scary to me right now.

0:21:32.440 --> 0:21:35.480
<v Speaker 1>And I'm just like, especially as a parent, like what God,

0:21:35.560 --> 0:21:38.439
<v Speaker 1>what what's this world that my poor baby boy is

0:21:38.480 --> 0:21:41.440
<v Speaker 1>going to be growing up in? But that's so exciting

0:21:41.440 --> 0:21:43.800
<v Speaker 1>Deli and I. And it's also is your plan then

0:21:43.840 --> 0:21:46.440
<v Speaker 1>to move to Portugal? And then that's like the beginning

0:21:46.480 --> 0:21:50.200
<v Speaker 1>of your retirement early, Like that's the that's the end goal, right.

0:21:50.520 --> 0:21:53.080
<v Speaker 3>Yeah, I mean it's funny, it's I already consider myself

0:21:53.119 --> 0:21:56.920
<v Speaker 3>like semi retired because I work about ten twelve hours

0:21:56.960 --> 0:21:57.560
<v Speaker 3>a week, right.

0:21:57.480 --> 0:22:00.400
<v Speaker 4>Now, So it's pretty good.

0:22:00.520 --> 0:22:00.760
<v Speaker 1>You know.

0:22:01.720 --> 0:22:04.800
<v Speaker 3>I'm pretty happy with the balance that I have found,

0:22:05.000 --> 0:22:06.760
<v Speaker 3>which is one of the reasons why I walked away

0:22:06.800 --> 0:22:09.639
<v Speaker 3>from CNN because a lot of people didn't understand. They're like,

0:22:09.720 --> 0:22:12.920
<v Speaker 3>why did you do that? And it's what's the point

0:22:13.000 --> 0:22:15.600
<v Speaker 3>of saving all this money, quitting my nine to five

0:22:16.240 --> 0:22:19.000
<v Speaker 3>creating this business if I'm not going to lean into

0:22:19.040 --> 0:22:22.159
<v Speaker 3>the freedom that I'm actually trying to create. And so

0:22:22.640 --> 0:22:26.960
<v Speaker 3>even though CNNON was an incredible opportunity I was back

0:22:27.000 --> 0:22:28.720
<v Speaker 3>in the nine to five, I was putting myself back

0:22:28.720 --> 0:22:30.960
<v Speaker 3>in that nine to five grind where I had, like,

0:22:31.400 --> 0:22:33.399
<v Speaker 3>you know, people to report to in a schedule I

0:22:33.440 --> 0:22:35.080
<v Speaker 3>had to stick with, and I'm like, this is not

0:22:35.200 --> 0:22:37.800
<v Speaker 3>what I wanted, Like why am I doing this to myself?

0:22:38.160 --> 0:22:41.200
<v Speaker 3>So saying no to things can be just as liberating

0:22:41.200 --> 0:22:44.200
<v Speaker 3>as saying yes. And I'm very much in a no

0:22:44.400 --> 0:22:47.879
<v Speaker 3>phase right now, so I only say yes to Mandy

0:22:47.920 --> 0:22:49.280
<v Speaker 3>and very few other people, all.

0:22:49.200 --> 0:22:52.200
<v Speaker 4>Right, because I am in my no phase.

0:22:52.240 --> 0:22:54.199
<v Speaker 3>I'm in the please don't ask me to do things.

0:22:54.280 --> 0:22:57.359
<v Speaker 3>I am trying to lean into my soft life, my

0:22:57.480 --> 0:23:01.840
<v Speaker 3>luxury life, and that includes time freedom for me, which

0:23:01.880 --> 0:23:04.720
<v Speaker 3>is why we all teach people, you know, how to

0:23:04.800 --> 0:23:06.879
<v Speaker 3>manage their money, because the whole point is to like

0:23:07.040 --> 0:23:09.800
<v Speaker 3>lean into freedom, isn't that the whole idea?

0:23:11.320 --> 0:23:14.639
<v Speaker 2>Yeah, I kin you for just making that move. I

0:23:14.640 --> 0:23:17.600
<v Speaker 2>mean a lot of people would be like, oh, well, CNN,

0:23:17.680 --> 0:23:20.439
<v Speaker 2>and like they think of like the aura behind it,

0:23:20.480 --> 0:23:23.840
<v Speaker 2>and then they find themselves being in a position where

0:23:23.880 --> 0:23:26.119
<v Speaker 2>they don't like what they're doing and they dread getting

0:23:26.160 --> 0:23:27.879
<v Speaker 2>up in the morning and doing what they have to do.

0:23:27.960 --> 0:23:30.639
<v Speaker 2>And I did that for many of years, you know,

0:23:30.800 --> 0:23:33.800
<v Speaker 2>just being in corporate finance. But for you to say, hey,

0:23:33.880 --> 0:23:36.119
<v Speaker 2>like I could do this, but I choose not to

0:23:36.280 --> 0:23:38.919
<v Speaker 2>because I want to prioritize other things in life that

0:23:38.960 --> 0:23:43.480
<v Speaker 2>make me happiest. Like that is that is a game

0:23:43.520 --> 0:23:45.399
<v Speaker 2>that I feel like more and more people need to

0:23:45.480 --> 0:23:48.520
<v Speaker 2>like focus in on as they think about the next

0:23:48.560 --> 0:23:50.159
<v Speaker 2>you know, ten twenty years of their lives.

0:23:50.320 --> 0:23:52.800
<v Speaker 3>Yeah, and somebody just said, well, how did you pick Portugal.

0:23:53.280 --> 0:23:56.840
<v Speaker 3>I'm Brazilian, so I speak Portuguese and that's one reason.

0:23:56.920 --> 0:23:58.400
<v Speaker 3>But I would have gone there even if I don't

0:23:58.400 --> 0:24:02.280
<v Speaker 3>speak the language. But it's also one of the safest

0:24:02.280 --> 0:24:04.480
<v Speaker 3>countries in the world. It's actually the third safest country

0:24:04.480 --> 0:24:07.040
<v Speaker 3>in the world, so crime is like very very low,

0:24:07.080 --> 0:24:10.200
<v Speaker 3>which is top of mind for me, especially as a woman,

0:24:10.280 --> 0:24:12.960
<v Speaker 3>as a single woman. When I went with my mom,

0:24:13.000 --> 0:24:15.800
<v Speaker 3>we would walk around at two in the morning, no problems,

0:24:15.840 --> 0:24:19.920
<v Speaker 3>like nobody would bother us. Very very safe, to gorgeous country.

0:24:19.960 --> 0:24:22.399
<v Speaker 3>It's basically like a mini California. You go to the north,

0:24:22.720 --> 0:24:25.520
<v Speaker 3>you've got vineyards. In the middle, you've got the city center,

0:24:25.640 --> 0:24:28.680
<v Speaker 3>and then to the south you have gorgeous beaches, very

0:24:28.720 --> 0:24:33.440
<v Speaker 3>mild weather, very similar to San Diego. The food is incredible.

0:24:36.520 --> 0:24:39.320
<v Speaker 3>The food is amazing, especially love seafood. It's a very

0:24:39.400 --> 0:24:40.920
<v Speaker 3>seafood centric country.

0:24:41.080 --> 0:24:44.280
<v Speaker 1>The sardines though. I took my baby moon in Portugal

0:24:44.480 --> 0:24:46.320
<v Speaker 1>and I was like, my baby's gonna love seafood if

0:24:46.359 --> 0:24:49.880
<v Speaker 1>my husband doesn't. I was eating octopus sardines like everything

0:24:49.880 --> 0:24:51.639
<v Speaker 1>that came out, oh so good, so fresh.

0:24:52.119 --> 0:24:55.880
<v Speaker 3>Yeah, and it's just yeah. It's just a vibrant country

0:24:55.920 --> 0:24:58.639
<v Speaker 3>with a lot of history. And it's an easy jumping

0:24:58.680 --> 0:25:01.720
<v Speaker 3>off point both to the United States and to the

0:25:01.760 --> 0:25:04.080
<v Speaker 3>rest of Europe because it's a six to seven hour

0:25:04.119 --> 0:25:06.320
<v Speaker 3>flight to New York. Not bad.

0:25:07.040 --> 0:25:12.199
<v Speaker 1>So we'll see you around, I hope. I see some

0:25:12.320 --> 0:25:15.600
<v Speaker 1>questions coming into the chat. The Beauty Pop podcast a

0:25:15.640 --> 0:25:18.480
<v Speaker 1>fellow pod. They have a question. They say, with the

0:25:18.520 --> 0:25:22.040
<v Speaker 1>recession looming, oo looks like the monster in the closet

0:25:22.080 --> 0:25:24.400
<v Speaker 1>under the bed. With the recession looming, should I make

0:25:24.440 --> 0:25:28.600
<v Speaker 1>any adjustments to my I ray Slash four one K contributions. Also,

0:25:28.640 --> 0:25:30.679
<v Speaker 1>it's almost the end of the year, so great question

0:25:31.200 --> 0:25:33.560
<v Speaker 1>going into the end of twenty twenty two. What say

0:25:33.640 --> 0:25:35.760
<v Speaker 1>y'all Mark used to work at Vanguard, you know stuff,

0:25:37.600 --> 0:25:38.199
<v Speaker 1>What do you want to say?

0:25:38.320 --> 0:25:42.200
<v Speaker 2>Yeah, I mean with the recession looming or we're in it,

0:25:42.320 --> 0:25:45.800
<v Speaker 2>whatever it might be. I think what remains constant is

0:25:45.840 --> 0:25:48.160
<v Speaker 2>what you should be doing with your money, and that's

0:25:48.200 --> 0:25:51.720
<v Speaker 2>contributing early, contributing often, and trying to control what you can.

0:25:52.240 --> 0:25:53.080
<v Speaker 4>And it's the.

0:25:53.080 --> 0:25:53.800
<v Speaker 1>Prior to right.

0:25:54.080 --> 0:25:56.520
<v Speaker 2>I think a lot of people try to control the market.

0:25:56.200 --> 0:25:59.320
<v Speaker 2>The market's going to do their thing, like just let them,

0:25:59.480 --> 0:26:01.439
<v Speaker 2>like let them, I could do whatever it does, but

0:26:01.640 --> 0:26:04.760
<v Speaker 2>try to control what you can. So when I'm talking

0:26:04.760 --> 0:26:08.040
<v Speaker 2>to a lot of my mentees, it's really important that

0:26:08.480 --> 0:26:11.680
<v Speaker 2>you number one, start contributing to your retirement if you're

0:26:11.680 --> 0:26:15.320
<v Speaker 2>not already. Number two, really think about like what you're

0:26:15.359 --> 0:26:17.639
<v Speaker 2>invested in, make sure you're diversified. So we talked a

0:26:17.680 --> 0:26:21.600
<v Speaker 2>lot about ETFs exchange trade of funds, mutual funds, you know,

0:26:21.680 --> 0:26:25.200
<v Speaker 2>as being the easiest way of going about diversifying, and

0:26:25.560 --> 0:26:28.439
<v Speaker 2>you know, just try to increase your contribution limits because

0:26:28.720 --> 0:26:31.399
<v Speaker 2>you know, with the recession maybe happening into the future,

0:26:31.480 --> 0:26:34.440
<v Speaker 2>we're in it whatever, Like the stock market is misbehaving,

0:26:34.840 --> 0:26:37.879
<v Speaker 2>and because it is, you know, we're at what eighteen percent.

0:26:38.520 --> 0:26:42.439
<v Speaker 1>Stopped looking, Mark, I'm not gonna lie. I stopped looking.

0:26:42.920 --> 0:26:43.480
<v Speaker 4>Stop looking.

0:26:43.760 --> 0:26:46.360
<v Speaker 1>I intentially logged into my Vanguard and it was like.

0:26:47.240 --> 0:26:51.240
<v Speaker 2>FuG well, you're young, right, so you have key time

0:26:51.359 --> 0:26:54.520
<v Speaker 2>until you have to retire. So I mean that's like

0:26:54.600 --> 0:26:57.719
<v Speaker 2>a good word of advice, Like don't don't look at it, like,

0:26:58.080 --> 0:27:01.199
<v Speaker 2>because when we think about performance, we look at it

0:27:01.240 --> 0:27:04.119
<v Speaker 2>over the course of decades versus years or months or

0:27:04.240 --> 0:27:06.760
<v Speaker 2>days or you know, sometimes people look at in terms

0:27:06.800 --> 0:27:09.720
<v Speaker 2>of hours, and that's not going to help your It's

0:27:09.760 --> 0:27:11.399
<v Speaker 2>not going to help your portfolio, right, You're not going

0:27:11.480 --> 0:27:12.879
<v Speaker 2>to look at the market and the market is going

0:27:12.920 --> 0:27:15.960
<v Speaker 2>to increase. It's not going to help your mental sanity either,

0:27:16.160 --> 0:27:18.600
<v Speaker 2>So just let it go. Like, just keep in mind,

0:27:18.640 --> 0:27:20.800
<v Speaker 2>the best performing accounts are the ones from people who

0:27:20.840 --> 0:27:23.560
<v Speaker 2>are dead that can't do anything to their account.

0:27:24.920 --> 0:27:27.040
<v Speaker 1>Bringing that fact out. I love that and women, right, like,

0:27:27.040 --> 0:27:27.800
<v Speaker 1>we're better at it.

0:27:28.080 --> 0:27:33.800
<v Speaker 2>Oh yeah, just because I mean, clearly smarter, right men?

0:27:32.280 --> 0:27:37.920
<v Speaker 1>That so horrible, but.

0:27:37.880 --> 0:27:40.159
<v Speaker 2>I mean that's it's so true. Like I was talking

0:27:40.280 --> 0:27:42.399
<v Speaker 2>to a brand the other day and they're just like,

0:27:42.440 --> 0:27:46.040
<v Speaker 2>we think it's really fascinating that half of the people

0:27:46.200 --> 0:27:48.639
<v Speaker 2>or sixty percent of people who follow you or women,

0:27:48.960 --> 0:27:50.960
<v Speaker 2>And I was like, because women are smart, and women

0:27:51.280 --> 0:27:54.200
<v Speaker 2>understand what it means to actually invest the right way,

0:27:54.600 --> 0:27:58.040
<v Speaker 2>and they tend not to jump into ultra risky investments

0:27:58.040 --> 0:28:01.720
<v Speaker 2>that won't pay off into the future, and that's the

0:28:01.720 --> 0:28:04.080
<v Speaker 2>reason why they gravitate towards me. But if I start

0:28:04.160 --> 0:28:08.000
<v Speaker 2>talking about like options trading or anything like trading four

0:28:08.200 --> 0:28:10.040
<v Speaker 2>x or whatever, I'm sure I would get you know,

0:28:10.119 --> 0:28:13.080
<v Speaker 2>more men that might come in. But that's not my jam,

0:28:13.119 --> 0:28:14.160
<v Speaker 2>because I know it doesn't work.

0:28:16.040 --> 0:28:17.320
<v Speaker 1>Yeah, that's great changes.

0:28:17.760 --> 0:28:19.840
<v Speaker 3>Yeah, I think four oh one K. Just to remember

0:28:19.840 --> 0:28:21.560
<v Speaker 3>the difference between the IRA and the four to one K.

0:28:21.680 --> 0:28:25.280
<v Speaker 3>The four one K the you know, it closes on

0:28:25.320 --> 0:28:29.359
<v Speaker 3>December thirty first, so that's the last time, last chance

0:28:29.400 --> 0:28:30.320
<v Speaker 3>to make a contribution.

0:28:30.359 --> 0:28:32.280
<v Speaker 4>And we're talking about the four to one K through

0:28:32.280 --> 0:28:34.960
<v Speaker 4>your employer and the IRA.

0:28:35.200 --> 0:28:38.040
<v Speaker 3>You actually have until April twenty twenty three, right, you

0:28:38.120 --> 0:28:40.200
<v Speaker 3>have until you file your taxes to.

0:28:40.320 --> 0:28:44.280
<v Speaker 4>Make twenty twenty twenty twenty two contributions. So even if

0:28:44.320 --> 0:28:46.080
<v Speaker 4>you're like, oh my god, I'm not going to hit

0:28:46.120 --> 0:28:46.680
<v Speaker 4>that six.

0:28:46.560 --> 0:28:49.560
<v Speaker 3>K max, you have like a few more months to

0:28:49.640 --> 0:28:52.560
<v Speaker 3>get it to get it in. So just remember that

0:28:52.680 --> 0:28:55.200
<v Speaker 3>also the four one K, the IRA contributions are going

0:28:55.280 --> 0:28:55.760
<v Speaker 3>up next year.

0:28:55.800 --> 0:28:58.040
<v Speaker 4>Everything's going up next yeah, right, it's going to be

0:28:58.080 --> 0:28:59.880
<v Speaker 4>sixty five hundred and.

0:29:00.600 --> 0:29:03.840
<v Speaker 1>The four hu is it twenty two to five?

0:29:04.760 --> 0:29:06.440
<v Speaker 4>The four to one case twenty three five?

0:29:07.200 --> 0:29:11.960
<v Speaker 3>So remember to adjust your contribution percentages if you need

0:29:12.000 --> 0:29:13.840
<v Speaker 3>to for next year so that you're getting as close

0:29:13.880 --> 0:29:15.800
<v Speaker 3>to maxing it out as possible. And the question that

0:29:15.840 --> 0:29:18.600
<v Speaker 3>I always get is does my maximum contribution include my

0:29:18.640 --> 0:29:19.440
<v Speaker 3>employer matches.

0:29:19.720 --> 0:29:23.520
<v Speaker 4>No, it does not, So you actually your employer can

0:29:23.560 --> 0:29:26.080
<v Speaker 4>throw in like another like fifty to sixty K.

0:29:27.680 --> 0:29:30.600
<v Speaker 3>Their contributions that their side of the contribution is much

0:29:30.680 --> 0:29:33.760
<v Speaker 3>much higher than yours. And then for my solo, for

0:29:33.880 --> 0:29:36.800
<v Speaker 3>my solopreneurs, entrepreneurs, you know, I always feel like we

0:29:36.880 --> 0:29:39.600
<v Speaker 3>leave them out, you guys, have your solo for one case,

0:29:39.640 --> 0:29:43.800
<v Speaker 3>your sapphire rays again, you can contribute as both employees

0:29:43.840 --> 0:29:48.040
<v Speaker 3>and employers, and you also have until like April to

0:29:48.560 --> 0:29:52.080
<v Speaker 3>make those contributions. So it's important to know how these

0:29:52.120 --> 0:29:56.840
<v Speaker 3>different accounts work. And depending on whether you're an employee entrepreneur,

0:29:57.320 --> 0:29:59.280
<v Speaker 3>you know, they all have different little rules.

0:29:59.560 --> 0:30:02.320
<v Speaker 4>And because the IRS likes to complicate things.

0:30:02.760 --> 0:30:06.840
<v Speaker 1>Yeah, that's it shocking government does that. Let it go

0:30:06.920 --> 0:30:09.680
<v Speaker 1>and let the money flow towards this problem, especially right

0:30:10.280 --> 0:30:14.080
<v Speaker 1>like this is one where I just so I transferred.

0:30:14.120 --> 0:30:15.960
<v Speaker 1>I thought I converted to an escort, but do you

0:30:15.960 --> 0:30:18.520
<v Speaker 1>know how slow the IRS is to like officially approve

0:30:18.560 --> 0:30:21.600
<v Speaker 1>that ish So officially I don't even I like, I

0:30:21.600 --> 0:30:23.520
<v Speaker 1>don't even know if I'm officially an escort. I've been

0:30:23.520 --> 0:30:26.440
<v Speaker 1>acting as such. So I hope it gets approved. But

0:30:26.800 --> 0:30:29.240
<v Speaker 1>last year I was too late. I like procrastinated, and

0:30:29.240 --> 0:30:31.120
<v Speaker 1>so I opened up instead of a solo for one

0:30:31.200 --> 0:30:33.640
<v Speaker 1>K for my first year of solopreneurship. I opened up

0:30:33.640 --> 0:30:36.280
<v Speaker 1>and you said a step IRA, So I opened that

0:30:36.400 --> 0:30:40.080
<v Speaker 1>up and then with my accountant they basically figured out okay,

0:30:40.120 --> 0:30:42.520
<v Speaker 1>so based on what you've earned and whatever, here's how

0:30:42.600 --> 0:30:45.160
<v Speaker 1>much you should sink into your step IRA for last year,

0:30:45.200 --> 0:30:47.000
<v Speaker 1>so I did that, and then so for this year,

0:30:47.040 --> 0:30:48.240
<v Speaker 1>I was like, okay, I'm going to get my ISSH

0:30:48.280 --> 0:30:50.240
<v Speaker 1>together and open up a solo for one K because

0:30:50.240 --> 0:30:54.040
<v Speaker 1>to Delli's point, you can actually contribute as an employee

0:30:54.080 --> 0:30:57.560
<v Speaker 1>and then as an employeer. So I just officially I

0:30:57.560 --> 0:30:59.240
<v Speaker 1>opened it up kind of late, but I did it.

0:30:59.320 --> 0:31:01.920
<v Speaker 1>I opened it up a couple of weeks ago. My

0:31:02.000 --> 0:31:04.479
<v Speaker 1>plan is because I've been looking at the market being like, well,

0:31:04.520 --> 0:31:06.520
<v Speaker 1>I'm not missing out on anything if I don't sink

0:31:06.560 --> 0:31:09.520
<v Speaker 1>some money into it right now. But yeah, my plan is,

0:31:09.520 --> 0:31:11.120
<v Speaker 1>I'm probably just going to do like one lump sum

0:31:11.160 --> 0:31:16.600
<v Speaker 1>contribution now that the account is open, and hopefully that'll

0:31:16.720 --> 0:31:20.360
<v Speaker 1>be fine, and then don't check it. You know right now?

0:31:20.440 --> 0:31:22.080
<v Speaker 2>Did you traditional or WROTH?

0:31:22.960 --> 0:31:25.520
<v Speaker 1>I don't remember Roth? Wait, I don't remember.

0:31:25.840 --> 0:31:28.560
<v Speaker 2>Good question, Yeah, because I was going back and forth

0:31:28.600 --> 0:31:30.800
<v Speaker 2>as well. I mean, you have time to switch, but

0:31:31.000 --> 0:31:33.040
<v Speaker 2>I was going back and forth initially as well.

0:31:33.880 --> 0:31:37.000
<v Speaker 1>Pre tax, pre the traditional yeah, pre pre tax.

0:31:37.120 --> 0:31:41.160
<v Speaker 2>Yeah. So if everyone doesn't know, as Mandy mentioned, traditional

0:31:41.200 --> 0:31:43.040
<v Speaker 2>is pre tax, and then roth will be after tax

0:31:43.160 --> 0:31:45.480
<v Speaker 2>grows tax free. You take it out at fifty nine

0:31:45.480 --> 0:31:49.280
<v Speaker 2>and a half without having to pay taxes. So I

0:31:49.320 --> 0:31:51.120
<v Speaker 2>was going back and forth as well. And if I

0:31:51.160 --> 0:31:54.400
<v Speaker 2>wanted to do a traditional Roth or I'm sorry, a

0:31:54.560 --> 0:31:57.800
<v Speaker 2>Roth solo for one K or traditional, and I chose Roth.

0:31:58.400 --> 0:32:01.400
<v Speaker 2>But there are not many options out there to do

0:32:01.520 --> 0:32:05.080
<v Speaker 2>a Roth solo for one K besides Vanguard, which unfortunately

0:32:05.120 --> 0:32:07.600
<v Speaker 2>I had to use them. I don't like this, and

0:32:07.640 --> 0:32:09.840
<v Speaker 2>you think I'm biased, but I don't like their platform

0:32:09.880 --> 0:32:10.160
<v Speaker 2>at all.

0:32:10.240 --> 0:32:12.600
<v Speaker 1>But it sucks. But I've been with them for so long.

0:32:12.680 --> 0:32:16.480
<v Speaker 1>It's if you're listening, Vanguard, why can't you be better?

0:32:17.160 --> 0:32:19.240
<v Speaker 1>Like with all the money that we're in syncing into you,

0:32:19.280 --> 0:32:21.800
<v Speaker 1>why can't you invest in some IT support, you know

0:32:21.800 --> 0:32:23.720
<v Speaker 1>what I mean, like some of the stuff you can't

0:32:23.760 --> 0:32:27.120
<v Speaker 1>get on your phone anyhow. Anyhow, they just don't put.

0:32:27.120 --> 0:32:30.600
<v Speaker 2>Enough money into technology. And it has been happening since

0:32:30.600 --> 0:32:32.440
<v Speaker 2>I started in twenty twelve.

0:32:32.880 --> 0:32:35.120
<v Speaker 3>Well, I mean one thing about Vanguard, you know, I

0:32:35.280 --> 0:32:38.560
<v Speaker 3>say I'm a Vanguard customer as well, and I always

0:32:38.680 --> 0:32:40.040
<v Speaker 3>tell people to use them.

0:32:40.600 --> 0:32:45.600
<v Speaker 4>Yeah, their priority will and always have been the shareholders.

0:32:45.680 --> 0:32:46.760
<v Speaker 4>Like they are.

0:32:47.280 --> 0:32:50.840
<v Speaker 3>They prioritize keeping their costs as low as possible so

0:32:50.840 --> 0:32:53.120
<v Speaker 3>that they can keep the fees as low as possible.

0:32:53.160 --> 0:32:54.400
<v Speaker 4>So it's funny because like.

0:32:54.320 --> 0:32:56.680
<v Speaker 5>We'll complain about the platform and then somebody you know,

0:32:56.760 --> 0:32:59.280
<v Speaker 5>and then you've got like other companies that are putting

0:32:59.280 --> 0:33:01.960
<v Speaker 5>a bunch of money to their platform, but then they're

0:33:02.040 --> 0:33:04.920
<v Speaker 5>jacking up their fees, and so it's like, which.

0:33:04.720 --> 0:33:05.520
<v Speaker 4>One would you prefer?

0:33:05.560 --> 0:33:09.240
<v Speaker 3>And I'm like, I'll take a Yankee outdated website as

0:33:09.320 --> 0:33:11.400
<v Speaker 3>if that's going to save me one hundred to two

0:33:11.440 --> 0:33:15.000
<v Speaker 3>hundred thousand dollars in the long term from fees, you know.

0:33:15.120 --> 0:33:18.240
<v Speaker 3>So we have to we have to pick our battles

0:33:18.320 --> 0:33:22.160
<v Speaker 3>and it works. It's not fancy, it's not snazzy, it's

0:33:22.160 --> 0:33:25.360
<v Speaker 3>not sexy, but it works and my fees are low

0:33:25.520 --> 0:33:27.680
<v Speaker 3>af so I'm here.

0:33:27.920 --> 0:33:30.000
<v Speaker 1>Thanks for bringing me back down to earth. It's also

0:33:30.160 --> 0:33:32.080
<v Speaker 1>like they don't want you to have fun on their

0:33:32.120 --> 0:33:33.959
<v Speaker 1>play want you to get in and get out, literally

0:33:34.000 --> 0:33:36.240
<v Speaker 1>not treading and doing stuff. They're like, we just want

0:33:36.240 --> 0:33:38.160
<v Speaker 1>your money once and then go live your life.

0:33:38.240 --> 0:33:41.320
<v Speaker 2>Well, they give you everything that you need and nothing more.

0:33:41.800 --> 0:33:44.320
<v Speaker 2>And I would totally agree that. Leanne like, luckily, you know,

0:33:44.400 --> 0:33:48.520
<v Speaker 2>it's privileged enough to be at vanguard and positions where

0:33:48.520 --> 0:33:50.320
<v Speaker 2>I was able to make a lot of those decisions

0:33:50.360 --> 0:33:53.880
<v Speaker 2>and a lot of times when you're at certain companies

0:33:53.880 --> 0:33:56.040
<v Speaker 2>are like how much money can I make off of

0:33:56.480 --> 0:33:59.360
<v Speaker 2>X or this project whatever? We never talk about that.

0:33:59.480 --> 0:34:02.840
<v Speaker 2>Every single decision was made based off the client. Were like,

0:34:02.880 --> 0:34:04.960
<v Speaker 2>how are we improving the experience? How can we lower

0:34:05.000 --> 0:34:07.600
<v Speaker 2>the fees? How can we make sure that you know

0:34:07.600 --> 0:34:10.680
<v Speaker 2>when they're making contributions. It's easy, like they don't have

0:34:10.719 --> 0:34:14.200
<v Speaker 2>to worry about anything. So I would totally agree that

0:34:14.239 --> 0:34:17.880
<v Speaker 2>they try to focus a lot on the overall experience

0:34:18.000 --> 0:34:22.360
<v Speaker 2>and then how can they decrease fees, which, how they're structured,

0:34:22.360 --> 0:34:24.880
<v Speaker 2>they're able to keep fees pretty low. And then also

0:34:24.960 --> 0:34:27.680
<v Speaker 2>they make decisions throughout the year to make sure that

0:34:27.760 --> 0:34:30.840
<v Speaker 2>their fees remain low and remain competitive.

0:34:31.360 --> 0:34:33.800
<v Speaker 1>Dang, that was such a fun episode. Thank you Mark

0:34:33.880 --> 0:34:36.640
<v Speaker 1>and Delian again for joining us live in the Brown

0:34:36.680 --> 0:34:39.359
<v Speaker 1>Ambition studio to our BA fam. Hope you guys are

0:34:39.360 --> 0:34:41.920
<v Speaker 1>safe and well. If you miss the episode live and

0:34:41.960 --> 0:34:44.080
<v Speaker 1>you want to see what my version of the Black

0:34:44.120 --> 0:34:47.680
<v Speaker 1>Teacher at Hogwarts looks like, definitely go check us out

0:34:47.719 --> 0:34:51.280
<v Speaker 1>on YouTube. Just search Brown Ambition. You will find the episode.

0:34:51.360 --> 0:34:54.360
<v Speaker 1>You'll find our channel and why not subscribe while you're there. Okay.

0:34:54.840 --> 0:34:57.640
<v Speaker 1>We love engaging with our audience in this new and

0:34:57.719 --> 0:35:00.279
<v Speaker 1>exciting way, so check us out. Let us know. How

0:35:00.280 --> 0:35:02.800
<v Speaker 1>would you think of our YouTube channel and the Halloween

0:35:02.840 --> 0:35:06.480
<v Speaker 1>Treat special. Shout out to everyone who attended live and

0:35:06.560 --> 0:35:09.879
<v Speaker 1>again to our amazing gas, Delian and Mark, and we'll

0:35:09.880 --> 0:35:13.319
<v Speaker 1>see y'all next week. Hey ba fam, we could not

0:35:13.400 --> 0:35:16.200
<v Speaker 1>do this show without your support or the support.

0:35:15.840 --> 0:35:17.360
<v Speaker 4>Of our team behind the scenes.

0:35:17.640 --> 0:35:21.240
<v Speaker 1>The Brown Emission Podcast is produced by Cumulus Podcast Network.

0:35:21.320 --> 0:35:24.799
<v Speaker 1>It's edited by the wonderful Imani Crosby and produced by

0:35:24.840 --> 0:35:28.920
<v Speaker 1>Tanya Bustos. Dennis Stimplinsky is our in house tech guru,

0:35:29.000 --> 0:35:31.759
<v Speaker 1>and I am Bandy Woodard Santos, your co host, and

0:35:31.880 --> 0:35:35.800
<v Speaker 1>I will see y'all next week.