WEBVTT - BA Q&A: Is 7 Bank Accounts Too Much?

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<v Speaker 1>It's time for the b a qa a. The b

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<v Speaker 1>a q a.

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<v Speaker 2>Okay, the big a q a. What you said, Brian, ambition,

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<v Speaker 2>question and answer. You have questions, we have answers. Ish,

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<v Speaker 2>But we're not your financial advisor, you're attorney, you're a doctor.

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<v Speaker 2>But we're two smart brown girls who have something to say.

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<v Speaker 2>But take it with the grain of salt. Don't suit us,

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<v Speaker 2>no way?

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<v Speaker 3>Oh say that, Say that's that's the new that's the

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<v Speaker 3>new theme song or b a q a. I don't

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<v Speaker 3>know where you get your energy from, my friends, I.

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<v Speaker 1>Don't know either, you know, I feel like the tide

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<v Speaker 1>of more.

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<v Speaker 2>I'm literally like a little kid, you know, like the

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<v Speaker 2>more tired they get, the wall that they get.

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<v Speaker 1>That's me.

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<v Speaker 3>Oh my god, yes, well, yes, yes, we had to

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<v Speaker 3>get up for early flight yesterday, so yes, I know,

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<v Speaker 3>my my. I was laughing so hard at Rio. We

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<v Speaker 3>were so tired, Like he was tired. I was so tired.

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<v Speaker 3>Everything he did was hilarious. He went running off the plane,

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<v Speaker 3>he banged into the gate, he banged into the desk

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<v Speaker 3>at the gate and whacked his head and fell down.

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<v Speaker 3>And I almost I mean, I'm not even gonna lie.

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<v Speaker 3>I peed myself a little bit. I was laughing so hard.

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<v Speaker 3>Up my child. He was strolled on the floor and

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<v Speaker 3>Enrinka is nowhere to be found. And to everyone who

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<v Speaker 3>was standing in the c terminal Alagordia for the American

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<v Speaker 3>Airline flight from Saint Louis around whatever noon yesterday, I'm

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<v Speaker 3>not insane and I don't hate my child. It was

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<v Speaker 3>just so tired, so so tired.

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<v Speaker 1>Oh, I know what I'm gonna send Rio. Did he

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<v Speaker 1>have his own luggage? Yes, he does.

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<v Speaker 3>He has a cute little he doesn't say it himself.

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<v Speaker 2>No, No, I'm going to I was gonna say, I

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<v Speaker 2>just found a really cute luggage set. I was gonna

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<v Speaker 2>say he's into dinosaurs because I just bought one for

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<v Speaker 2>Roman and like this unicorn set for a Milia and

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<v Speaker 2>they're so cute. It comes with a book bag, little

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<v Speaker 2>hardshell book bag and a roly that's perfectly like their size.

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<v Speaker 1>And I was like, ooh, I'll send him, But you

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<v Speaker 1>say he has it's like a cute sick because it's so.

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<v Speaker 3>Yeah whole, and let him know Auntie Tiffany loves him. Okay, yeah,

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<v Speaker 3>he has a little teeny. He has a miniature like

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<v Speaker 3>it has buses and cars and construction trucks because that's

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<v Speaker 3>his jam. Anything with wheels, Uh, he's into. But what

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<v Speaker 3>what a delightful human I have breized, That's all I

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<v Speaker 3>gotta say. I don't have these questions today.

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<v Speaker 2>Yes, we're going to be leaning into the money questions

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<v Speaker 2>we did career last time. Actually, can we get an update?

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<v Speaker 2>Do we have any update? Because if you didn't listen

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<v Speaker 2>our last BAQA, which comes out every Friday, we had

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<v Speaker 2>such a great question from frustrated and tired husband Kevin.

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<v Speaker 2>Kevin chat o Kevin. Did Kevin ever write back?

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<v Speaker 3>Kevin has not written us back, according to these questions

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<v Speaker 3>that we've gotten. But y'all were so funny on Instagram

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<v Speaker 3>with some of y'all's comments. Yes, Maggie Angelica on Ig said,

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<v Speaker 3>y'all answer this question so well and remind you Kevin

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<v Speaker 3>was contacting us because you go back to last week

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<v Speaker 3>and listen to it. His wife Life didn't want to

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<v Speaker 3>go for promotion at work, and Kevin was concerned, and

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<v Speaker 3>Kevin wanted her to be a good influence for their daughter,

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<v Speaker 3>and Kevin meant well, but Kevin was you know, Kevin

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<v Speaker 3>was not entirely in the right. Maggie Angelica said, yell,

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<v Speaker 3>answer the question so well. I have had opportunities to

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<v Speaker 3>take on management roles with pay increases, and I'm just

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<v Speaker 3>not interested in giving up the time and mental energy

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<v Speaker 3>that it would cost. Amen to that. Mandy Pandy, Hey,

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<v Speaker 3>Mandy Pandy, she says, Mandy Pandy, and Ig says she

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<v Speaker 3>sounds just like me. I don't want to be responsible

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<v Speaker 3>for other people. Okay, y'all, it's okay. Lean into that.

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<v Speaker 3>I don't want to be a boss. Snuggy ninety nine said,

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<v Speaker 3>as a new supervisor myself, this position can be a nightmare.

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<v Speaker 2>Yes, first of all, the misrel banks is hillar. She said,

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<v Speaker 2>that's the response. Okay, girls, She said, I've given this

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<v Speaker 2>response to too over the years, to many managers and

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<v Speaker 2>executives when I'm asked why I'm not either a manager

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<v Speaker 2>or an executive. Besides, they look stressed all the way,

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<v Speaker 2>and I wrote, child, because if it looks like what.

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<v Speaker 1>You look like, I'll pass. She was like, okay.

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<v Speaker 2>My last manager was cool, and when he asked me

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<v Speaker 2>why I responded that way, I said, sir, you look exhausted.

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<v Speaker 3>I don't need that type of energy in my life.

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<v Speaker 1>So if you are not following.

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<v Speaker 2>Us on on ig, you should Brown and Bison podcast

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<v Speaker 2>because we we will post little clips of you know,

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<v Speaker 2>some of our favorite moments on Brown and bishon so

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<v Speaker 2>you can get your life in the comments as well.

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<v Speaker 3>We hit fifteen k on ig by the way.

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<v Speaker 1>Ooh to b a Okay.

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<v Speaker 3>I remember it was just my birthday. Last year we

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<v Speaker 3>hit ten K, so I were at fifteen K. So exciting.

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<v Speaker 2>Yes, So we're gonna take so many questions today. So

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<v Speaker 2>first question comes from and sidebar. Thank you so much

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<v Speaker 2>for validating me y'all who loved Gem and the Holograms,

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<v Speaker 2>because y'all was tweeting me all the all the every

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<v Speaker 2>day like tivity, Gem and holiday was it was.

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<v Speaker 3>It was a cultural mode and so producer Tanya was

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<v Speaker 3>so geeked when you mentioned it.

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<v Speaker 2>So I was like, yo, when I got so many

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<v Speaker 2>tweets about Gem and the Holograms, I just.

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<v Speaker 1>Want to say, I feel seen, I feel heard.

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<v Speaker 2>Okay and so yeah too Hot in Texas says hey, lovelies,

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<v Speaker 2>please consider answering this on your next baqa. I want

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<v Speaker 2>to take a loan from my four oh one K

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<v Speaker 2>to do the following one payoff school debt and re

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<v Speaker 2>enroll in the fall. Two pay off credit card debt.

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<v Speaker 2>Three for the school debt, I owe sixteen thousand. Should

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<v Speaker 2>I pay the balance or the two with the high

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<v Speaker 2>interest credit card rate? If you read this over your podcasts,

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<v Speaker 2>I prefer to me anamous. That's why two hot of Texas.

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<v Speaker 2>So yeah, she said I could, I could be too hot,

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<v Speaker 2>too hot in Texas, and I'm strictly referring to the

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<v Speaker 2>fact that it's currently one hundred and six so basically

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<v Speaker 2>too hot. Wants to take money from her fur one

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<v Speaker 2>k to pay off student loan debt and to pay

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<v Speaker 2>off her credit card debt. And she wants to know

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<v Speaker 2>one is that a good idea? And if it is

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<v Speaker 2>a good idea, which way should she do it?

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<v Speaker 1>What say you, Mandra?

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<v Speaker 3>She needs to take a cold shower first and foremost,

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<v Speaker 3>cold shower. Too hat in Texas. The sun is addling

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<v Speaker 3>your brain. The heat is interfering with your with your

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<v Speaker 3>logic right now. But my first reaction is, oh no,

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<v Speaker 3>please don't dip into your four one k. I think

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<v Speaker 3>your four one k is I mean, in very very

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<v Speaker 3>few circumstances, it should feel like a vault. It should

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<v Speaker 3>feel like a treasure chest, a vault for your future self.

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<v Speaker 3>We don't like to touch him, especially because we're investing

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<v Speaker 3>through our four and one K, right, so we need

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<v Speaker 3>time for that to marinade. It'd be like stopping the

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<v Speaker 3>slow cooker before the chili was done. Like, no one

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<v Speaker 3>wants slow cooker chili. After thirty minutes, it's gonna taste

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<v Speaker 3>like trash, right, we want that nice. And I'm stealing

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<v Speaker 3>this metaphor from Deli and the money coach who just

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<v Speaker 3>uses to describe investing the other day, so I have

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<v Speaker 3>to give her all the props, but I love it

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<v Speaker 3>slow cooker investing. Yeah.

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<v Speaker 2>So.

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<v Speaker 3>And the fact that it's school debt, So I'm going

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<v Speaker 3>to assume here you haven't told us what kind of

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<v Speaker 3>debt it is. But if it's federal, those typically have

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<v Speaker 3>really flexible repayment plans, so there's not a lot of

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<v Speaker 3>and the interest rate can be a lot lower than

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<v Speaker 3>what you can gain by keeping your money invested in

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<v Speaker 3>the market. I can understand how between school debt and

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<v Speaker 3>your credit card debt, you're feeling a little bit stressed out,

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<v Speaker 3>you know, you feel like you want to get rid

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<v Speaker 3>of this debt. But I would say how can we

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<v Speaker 3>increase your income and save more, put more aside to

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<v Speaker 3>pay off these paid on those debt, the debt that

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<v Speaker 3>you have, versus dipping into your your little baby nest egg. Yeah,

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<v Speaker 3>she mess to marinate some more.

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<v Speaker 2>I agree, because if you would draw that money, and

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<v Speaker 2>here's the thing, there's that thirty percent because I'm assuming

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<v Speaker 2>you're not fifty nine and a half two lot of dixes.

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<v Speaker 2>So with the penalties, Yeah, it's like a thirty percent

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<v Speaker 2>penalty if you don't pay it back within I think

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<v Speaker 2>it's a year. So if you're just barring it in

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<v Speaker 2>your like it's sometimes people will borrow because they're like,

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<v Speaker 2>I need it temporarily, but I'm going to pay it

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<v Speaker 2>back before the you know, before the end of the

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<v Speaker 2>tax year, so that way I won't incur the taxes.

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<v Speaker 2>That's one because you're gonna have to pay taxes on

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<v Speaker 2>that income. And two the penalty because you you've withdrawn

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<v Speaker 2>that money before you're quote unquote old enough to withdraw

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<v Speaker 2>that money.

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<v Speaker 1>Don't do it. I did it. I did it. I

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<v Speaker 1>did it, and I regret it.

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<v Speaker 2>I had thirty thousand dollars in my four one K.

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<v Speaker 2>The recession hit and I said I was going to

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<v Speaker 2>use it to pay off debt, and YadA, YadA, YadA, Sayspumbada.

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<v Speaker 2>I didn't get thirty thousand. I got thirty thousand minus

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<v Speaker 2>taxes minus thirty percent.

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<v Speaker 1>I was like, don't stop me. The narrow.

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<v Speaker 2>And so it was like it felt like it was half,

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<v Speaker 2>you know, like I think I got back like a

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<v Speaker 2>little under twenty thousand dollars and I was just like, yike,

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<v Speaker 2>that was money that like basically I lost. So you know,

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<v Speaker 2>unless you're literally like drowning, and it's like I call

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<v Speaker 2>it like if you're going to be without a home,

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<v Speaker 2>if it's going to make you unsafe to not pay something,

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<v Speaker 2>or if it's going to make you, you know, you

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<v Speaker 2>will be hungry as a result that I obviously understandably

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<v Speaker 2>we get that. But if it's something that it's like, okay,

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<v Speaker 2>it's just going to require more time. The other way,

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<v Speaker 2>you know, me and manager both are on the on

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<v Speaker 2>the lead a money alone train.

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<v Speaker 3>Yeah, and thanks for mentioning. I'm looking back at her question.

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<v Speaker 3>She does say she wants to take out a four

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<v Speaker 3>to one k loan, and another downside to taking out

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<v Speaker 3>a loan is that like if you were to get

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<v Speaker 3>if you were to get let go or you were

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<v Speaker 3>to leave your job yourself, you could you will owe

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<v Speaker 3>that loan back like in full. So it's taking a gamble.

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<v Speaker 3>And you know me and maa mantra, no job is stable,

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<v Speaker 3>so it's taking a bit of a gamble there. So

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<v Speaker 3>I would also take that into consideration. Now, as far

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<v Speaker 3>as credit card debt, you know, there's other ways you

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<v Speaker 3>could pay that down without dipping into your four to

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<v Speaker 3>one K. You could consolidate it through a balanced transfer,

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<v Speaker 3>you know, get a small installment loan from a credit

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<v Speaker 3>union to pay on that credit card debt. But I

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<v Speaker 3>would tackle the debt. Take that cold shower, chill out,

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<v Speaker 3>leave that money alone in your four one k for now.

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<v Speaker 3>You got some time to figure it out. Yes, my

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<v Speaker 3>dog is losing her damn mind. Molly said no. All right, y'all,

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<v Speaker 3>We will be right back with another question, this one

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<v Speaker 3>coming from listener Sidney. Right after the break. All right, y'all,

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<v Speaker 3>we are back ba Fam with your next question. It

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<v Speaker 3>comes from listener Sydney, who says, hello, my beautiful black

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<v Speaker 3>money queens, thank you. I'm gonna get a placard that

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<v Speaker 3>says that just weird. I am someone whose anxiety makes

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<v Speaker 3>her very anal about keeping her money organized and making

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<v Speaker 3>sure I do not spend money allotted for one thing

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<v Speaker 3>on something else. Over time, I've ended up with four

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<v Speaker 3>checking accounts and three savings accounts. Savings accounts checking one

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<v Speaker 3>is for routine transactions. Checking two gets fifty dollars per

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<v Speaker 3>paycheck and I put that towards travel. Checking account number

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<v Speaker 3>three is a joint account with my fiance where we

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<v Speaker 3>each deposit and I use that money to pay the

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<v Speaker 3>bills for our home, and Checking account number four get

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<v Speaker 3>seventy five dollars per paycheck that I put towards medical

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<v Speaker 3>bills because I have annoyingly high copays no matter which

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<v Speaker 3>insurance plan I pick, When is enough enough? How do

0:11:07.800 --> 0:11:10.400
<v Speaker 3>I condense all of these accounts but still make sure

0:11:10.400 --> 0:11:13.080
<v Speaker 3>I have the appropriate amount of money allotted for things?

0:11:13.559 --> 0:11:16.600
<v Speaker 3>Are there considerations I should take into account when condensing

0:11:16.600 --> 0:11:19.840
<v Speaker 3>my accounts? Since I'm getting married next year? Girls help?

0:11:20.520 --> 0:11:22.719
<v Speaker 1>First of all, I want to say, girl, you's not

0:11:22.960 --> 0:11:26.160
<v Speaker 1>like me. I love it. Girl. I used to have

0:11:26.240 --> 0:11:27.280
<v Speaker 1>the seven accounts too.

0:11:27.320 --> 0:11:28.720
<v Speaker 3>What is it about looking number seven?

0:11:29.160 --> 0:11:32.160
<v Speaker 2>But I'll say this, there's nothing wrong as long as

0:11:32.240 --> 0:11:35.520
<v Speaker 2>it's you. Like, as long as you it's organized for you,

0:11:35.600 --> 0:11:38.600
<v Speaker 2>it's okay to have multiple accounts. But they and here's

0:11:38.600 --> 0:11:41.160
<v Speaker 2>the thing. The banks were noticing that we were doing this,

0:11:41.400 --> 0:11:43.720
<v Speaker 2>and then they created what is that thing called mandy

0:11:43.760 --> 0:11:45.120
<v Speaker 2>where it's like the same account, but it's like.

0:11:45.160 --> 0:11:49.199
<v Speaker 3>Dropped down like yeah, sub accounts, yes, so little.

0:11:49.280 --> 0:11:51.920
<v Speaker 2>You can have one checking account, but then they have

0:11:52.040 --> 0:11:54.200
<v Speaker 2>sub accounts under that checking account, so all the money

0:11:54.240 --> 0:11:56.840
<v Speaker 2>is really in that account, but you can almost like

0:11:56.920 --> 0:11:59.240
<v Speaker 2>it's the envelope, the digital envelope system.

0:11:59.760 --> 0:12:01.720
<v Speaker 1>So so you have accounts.

0:12:01.320 --> 0:12:02.520
<v Speaker 2>Under your one checking account.

0:12:02.640 --> 0:12:04.040
<v Speaker 1>Now here's the thing. You can do that.

0:12:04.480 --> 0:12:07.080
<v Speaker 2>But because I'm forty two and stuck in my ways

0:12:07.520 --> 0:12:10.360
<v Speaker 2>and I've got gray lashes, I don't do that. I

0:12:10.360 --> 0:12:12.000
<v Speaker 2>say you should have came up with sub accounts fifteen

0:12:12.040 --> 0:12:14.200
<v Speaker 2>years ago when I started this process. I still have

0:12:14.320 --> 0:12:16.920
<v Speaker 2>my seven accounts. So I say all that to say

0:12:16.920 --> 0:12:19.439
<v Speaker 2>that it's okay. You know that you've done that. If

0:12:19.440 --> 0:12:21.040
<v Speaker 2>you want to switch over to sub accounts, and that's

0:12:21.080 --> 0:12:21.680
<v Speaker 2>your business.

0:12:21.800 --> 0:12:22.480
<v Speaker 1>The only thing I.

0:12:22.440 --> 0:12:25.360
<v Speaker 2>Will say is it would behoove you to have sub

0:12:25.360 --> 0:12:28.120
<v Speaker 2>accounts like my checking accounts. I've done some like loopy

0:12:28.160 --> 0:12:30.600
<v Speaker 2>loops where I don't have to pay the monthly fee.

0:12:31.040 --> 0:12:34.280
<v Speaker 2>So that is the downside of having multiple checking accounts,

0:12:34.280 --> 0:12:36.280
<v Speaker 2>because you might pay that ten dollars or whatever that

0:12:36.320 --> 0:12:38.720
<v Speaker 2>fee is. So if you're paying that fee, you might

0:12:38.760 --> 0:12:40.720
<v Speaker 2>want to combine into sub accounts. And if you're not

0:12:41.080 --> 0:12:43.720
<v Speaker 2>and it's working for you, then that's fine. The only

0:12:43.760 --> 0:12:47.280
<v Speaker 2>account that I might consider is you have this checking

0:12:47.280 --> 0:12:51.320
<v Speaker 2>account for travel, la la, and I think that honestly,

0:12:51.320 --> 0:12:54.240
<v Speaker 2>I probably make my my travel account a savings account

0:12:54.240 --> 0:12:57.560
<v Speaker 2>because I'm assuming you don't dip into it regularly. So

0:12:57.559 --> 0:12:59.400
<v Speaker 2>if you have a savings account, you know, for travel,

0:12:59.480 --> 0:13:01.199
<v Speaker 2>you might be able or at least a little bit

0:13:01.200 --> 0:13:05.120
<v Speaker 2>of you know, interest on that savings account. But you

0:13:05.240 --> 0:13:06.559
<v Speaker 2>talking to the wrong one if you want me to

0:13:06.600 --> 0:13:08.640
<v Speaker 2>talk you out to have a multiple accounts assist. I

0:13:08.720 --> 0:13:11.920
<v Speaker 2>live by my multiple accounts. I've got my deposit account,

0:13:11.920 --> 0:13:13.199
<v Speaker 2>that's what I call it, where all the money kind

0:13:13.200 --> 0:13:15.960
<v Speaker 2>of lands and I and and I also call it

0:13:15.960 --> 0:13:18.280
<v Speaker 2>my allowance acount because I leave enough money there to pay,

0:13:18.360 --> 0:13:22.480
<v Speaker 2>like to pay for cash things. I've got a a

0:13:22.600 --> 0:13:24.679
<v Speaker 2>bill's account, which is also a checking account. That's for

0:13:25.880 --> 0:13:27.600
<v Speaker 2>my husband and I. We used to deposit our like

0:13:27.640 --> 0:13:30.800
<v Speaker 2>you know, money there to pay bills together. I've got

0:13:30.840 --> 0:13:34.040
<v Speaker 2>a long term savings account and so I put that

0:13:34.120 --> 0:13:37.040
<v Speaker 2>money there, and when I get a lump some of it,

0:13:37.080 --> 0:13:39.400
<v Speaker 2>I hit up my financial advisor and she pulls it

0:13:39.400 --> 0:13:41.280
<v Speaker 2>out and puts it into the market for me invests.

0:13:41.920 --> 0:13:43.920
<v Speaker 2>And then I have a short term savings account and

0:13:43.960 --> 0:13:47.920
<v Speaker 2>that's my my uh like emergency fund. So I have

0:13:47.920 --> 0:13:50.679
<v Speaker 2>a year's worth of emergency fund save there. But I

0:13:50.720 --> 0:13:53.920
<v Speaker 2>also have account for taxes because I am self employed,

0:13:53.960 --> 0:13:57.080
<v Speaker 2>so I have to set aside money for taxes. And

0:13:57.120 --> 0:13:59.640
<v Speaker 2>then I even have like like there's nothing in it

0:13:59.679 --> 0:14:01.480
<v Speaker 2>right now because I'm not saving for anything. But I

0:14:01.480 --> 0:14:04.200
<v Speaker 2>also have like this account where I'm like saving for something,

0:14:04.240 --> 0:14:07.520
<v Speaker 2>so maybe it's a car or a home or whatever.

0:14:07.800 --> 0:14:10.040
<v Speaker 2>And so I like having the separate accounts. I like

0:14:10.160 --> 0:14:13.640
<v Speaker 2>naming them because I like, I'm not super organized in

0:14:13.679 --> 0:14:16.280
<v Speaker 2>my day to day life. But cha, my money will

0:14:16.320 --> 0:14:18.920
<v Speaker 2>never be funny. So I say all that to say

0:14:18.920 --> 0:14:20.760
<v Speaker 2>that if it's working for you, it's okay. Just don't

0:14:20.760 --> 0:14:22.240
<v Speaker 2>pay extra fees unnecessarily.

0:14:22.800 --> 0:14:24.960
<v Speaker 3>Yeah, I mean, I feel like the question one is

0:14:25.080 --> 0:14:25.640
<v Speaker 3>enough enough?

0:14:25.760 --> 0:14:26.000
<v Speaker 1>Enough?

0:14:26.040 --> 0:14:29.840
<v Speaker 3>Is enough when it starts being when it starts being

0:14:29.840 --> 0:14:31.600
<v Speaker 3>a stick that you kind of beat yourself up with.

0:14:31.680 --> 0:14:34.800
<v Speaker 3>Then I think enough is too much. Like maybe if

0:14:34.840 --> 0:14:36.520
<v Speaker 3>it's starting to get too stressful for you and you

0:14:36.560 --> 0:14:40.080
<v Speaker 3>can't management manage it, then just like do something different.

0:14:40.080 --> 0:14:43.720
<v Speaker 3>You can consolidate some of them into one. Personally, I

0:14:43.800 --> 0:14:45.800
<v Speaker 3>did have a bunch of accounts, but they were mostly

0:14:45.840 --> 0:14:48.520
<v Speaker 3>savings accounts. Like I would have different long term savings

0:14:48.520 --> 0:14:50.760
<v Speaker 3>goals and I would like call them different things, but

0:14:50.800 --> 0:14:53.160
<v Speaker 3>I always just had one bucket of cash. And because

0:14:53.200 --> 0:14:56.840
<v Speaker 3>I automated my savings contributions, so I would get paid

0:14:57.000 --> 0:14:58.760
<v Speaker 3>or I would, you know, take an income and then

0:14:58.800 --> 0:15:01.720
<v Speaker 3>I would automate you know this trans this gets transferred

0:15:01.760 --> 0:15:04.400
<v Speaker 3>to that account, this much gets transferred to this other account.

0:15:04.680 --> 0:15:06.760
<v Speaker 3>Then I knew whatever was left over in my checking

0:15:07.000 --> 0:15:09.800
<v Speaker 3>I could use for my other expenses, and that just

0:15:09.840 --> 0:15:12.360
<v Speaker 3>gave me peace of mind. But to be honest, I

0:15:12.440 --> 0:15:16.240
<v Speaker 3>lost track of that life a long time ago. I

0:15:16.280 --> 0:15:18.200
<v Speaker 3>put everything on credit cards and it's paid off in

0:15:18.240 --> 0:15:20.800
<v Speaker 3>fool each month. I'm just like too lazy for all

0:15:20.800 --> 0:15:22.520
<v Speaker 3>that now, So I don't know if I can be

0:15:22.560 --> 0:15:25.280
<v Speaker 3>of much help. But when you're ready to consolidate things,

0:15:25.320 --> 0:15:28.880
<v Speaker 3>I mean condense them, consolidate them. Yeah, just find maybe,

0:15:28.920 --> 0:15:32.040
<v Speaker 3>just find a bank like Tiffany said, that offers sub

0:15:32.080 --> 0:15:36.000
<v Speaker 3>accounts for free, doesn't charge you any fees, and be happy.

0:15:36.280 --> 0:15:37.160
<v Speaker 1>Yeah.

0:15:37.360 --> 0:15:39.840
<v Speaker 3>Also shout out to your fiance for actually contributing to

0:15:39.880 --> 0:15:43.760
<v Speaker 3>that that separate account, because that's sometimes the hardest thing

0:15:44.040 --> 0:15:45.200
<v Speaker 3>is getting them to cooperate.

0:15:46.400 --> 0:15:48.560
<v Speaker 1>And congrats on getting married. It's awesome. When it's good,

0:15:48.600 --> 0:15:51.760
<v Speaker 1>it's good. So congrats on getting well.

0:15:51.800 --> 0:15:54.480
<v Speaker 3>If you guys want your questions read on the BAQA,

0:15:54.640 --> 0:15:57.200
<v Speaker 3>you can hit us up Brand Ambition Podcast at gmail

0:15:57.200 --> 0:16:00.600
<v Speaker 3>dot com com. You can also slid into our dms

0:16:00.600 --> 0:16:03.520
<v Speaker 3>like dojacat and go to Brown Ambition Podcast on ig

0:16:04.480 --> 0:16:07.280
<v Speaker 3>and Oh what's the third way? Oh Brownambision Podcast dot

0:16:07.320 --> 0:16:08.480
<v Speaker 3>com dot com.

0:16:08.560 --> 0:16:10.000
<v Speaker 1>Yeah, we love answering your question.

0:16:10.520 --> 0:16:12.920
<v Speaker 2>We'd like to flip flop back and forth between money

0:16:13.000 --> 0:16:15.760
<v Speaker 2>questions and career questions, but they're all welcome here.

0:16:16.280 --> 0:16:17.400
<v Speaker 3>See y'all next week.

0:16:17.600 --> 0:16:18.000
<v Speaker 2>Bye.

0:16:19.600 --> 0:16:21.880
<v Speaker 3>Hey, ba fan, we could not do this show without

0:16:21.880 --> 0:16:24.920
<v Speaker 3>your support or the support of our team behind the scenes.

0:16:25.200 --> 0:16:28.840
<v Speaker 3>The Brown Ambision Podcast is produced by Cumulus Podcast Network.

0:16:28.880 --> 0:16:32.400
<v Speaker 3>It's edited by the wonderful Emani Crosby and produced by

0:16:32.440 --> 0:16:36.160
<v Speaker 3>Tanya Bustos, Dennis Stimplinsky is our in house tech guru,

0:16:36.600 --> 0:16:39.320
<v Speaker 3>and I am Bandy Woodrid Santos your co host, and

0:16:39.440 --> 0:16:41.240
<v Speaker 3>I will see y'all next week.