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Speaker 1: Hey, hey, hey, we're back. We're black. We're black. Ambition ambition, ambition, ambition, ambition,

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Speaker 1: Shit my neck, man just in here with this yellow one,

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Speaker 1: give me. That's what I said. So y'all didn't hear.

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Speaker 1: But as soon as many came on, I said, okay,

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Speaker 1: yellow you know that's that's black speak for like we

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Speaker 1: see you look fabulous, you know.

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Speaker 2: Or be like okay, Carls Yes, okay.

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Speaker 1: So sidebar before I forget, because you know how my

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Speaker 1: memory is. So I was in Washington, d C. This

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Speaker 1: weekend to launch the new book Made Whole, and so

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Speaker 1: it was awesome, and I'll talk a little bit about, like,

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Speaker 1: you know, like the event, but I was at the monument.

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Speaker 1: I took the kids, woman and familiar with with me.

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Speaker 1: My two sisters, Tracy and Carol came and we took

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Speaker 1: them to this monument and this woman looked at me

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Speaker 1: and was like, oh my god, Oh my god. I

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Speaker 1: was like, okay, she was like oh my god. And

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Speaker 1: then her boyfriend was you could tell. He said, who

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Speaker 1: is it? He was like, She's like, you know that

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Speaker 1: podcast that I'm always listening to. Yes, yes, And she

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Speaker 1: was right wild, yes, she was like this is her

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Speaker 1: well one of her, you know, she was so excited

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Speaker 1: love and the way he looked like oh yeah, like

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Speaker 1: almost like that dag All podcast. But I just loved that.

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Speaker 1: I was like, wait out tell Mandy. And even at

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Speaker 1: the event, so I partnered with Mahogany Books, which is

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Speaker 1: this black On bookstore all my husband and wife. They

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Speaker 1: have three locations. Amazing. Romanda and her husband are totally amazing.

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Speaker 1: And it was like over one hundred and fifty people

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Speaker 1: came standing room only. At one point they had a DJ.

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Speaker 1: It was just a good black time. Yes, And so

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Speaker 1: what I love is everyone who stood up, you know,

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Speaker 1: they'd be like, you know, like to ask a question.

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Speaker 1: I would say a good eighty percent of them were like, Tiffany,

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Speaker 1: I love all that you do. You know, I love

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Speaker 1: the you know, I love the Budgetista. We all love

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Speaker 1: Brown Ambition. And to see over my head's like, I.

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Speaker 2: Was like, oh my god.

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Speaker 1: Literally it was like and I want to say it

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Speaker 1: because we took on in like five or six questions,

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Speaker 1: four people were just like and we love Brown Ambition

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Speaker 1: and like say hi to Mandy. I know you don't hug,

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Speaker 1: but it just yeah, it just felt really really really

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Speaker 1: like great because sometimes, like you know, me and Mandy

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Speaker 1: always say it like I always forget sometimes I'm just like,

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Speaker 1: I'm just here talking to my friend Mandy, and so

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Speaker 1: I forget that you guys are also listening and participating,

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Speaker 1: you know, and this like you know, So it's just

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Speaker 1: I love to see it like out in the wild

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Speaker 1: because you know, Mandy and I will talk. I'm like,

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Speaker 1: all right, Garlait, did we see our air right?

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Speaker 2: We were just talking like like we talked for an

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Speaker 2: hour twice this weekend. Yes, they exactly could have had

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Speaker 2: two shows.

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Speaker 1: In the can for real and it was really and

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Speaker 1: even before we were myself, Mandy and our producer Imani

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Speaker 1: were just talking about how this season is really hard,

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Speaker 1: like everyone is so stressed out.

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Speaker 2: We're all having the exact same thought, which is, yes,

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Speaker 2: where's mom, where's the grown up? And I hate to

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Speaker 2: proliferate the pressure on moms, but the way we carry

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Speaker 2: women in general the holiday season and you don't realize

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Speaker 2: that as a kid, Yeah, I didn't know what was

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Speaker 2: coming for me as a woman.

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Speaker 1: I just was excited about, like girl, Thanksgiving, however, that

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Speaker 1: didn't get to the table, not my problem. And Christmas, however,

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Speaker 1: all my toys, get under the tree again.

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Speaker 2: I tried my little list and leave it and then.

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Speaker 1: Get I mean, that's it. I mean. So, I was

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Speaker 1: just talking with Evanni and Man and Mandy just about

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Speaker 1: how like right now this morning, I was just felt

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Speaker 1: really overwhelmed today. You know, the well while you're listening

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Speaker 1: to this ba fan, it will be the day after

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Speaker 1: the book came out officially, but that I feel a

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Speaker 1: little overwhelmed that I want to make sure I'm real

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Speaker 1: consciously doing more being versus doing, Like that's the life

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Speaker 1: that I'm working toward. It is like I don't want

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Speaker 1: to have to always be in motion or you know,

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Speaker 1: like sometimes I just want to be like in one

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Speaker 1: spot and listening to a book or taking a walk

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Speaker 1: or when I feel like this last quarter has been

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Speaker 1: very very very busy.

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Speaker 2: And single tasking.

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Speaker 1: Yeah, not just all the things and so and I

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Speaker 1: was telling Emiani in particular, I was like, you start

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Speaker 1: to realize as you get older that like when you

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Speaker 1: were in school, they created breaks for you. There was

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Speaker 1: summer break, winter break, howiday break, you know, springs break,

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Speaker 1: there were weekends, you know, and as an adult, if

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Speaker 1: you're not careful, you'll you will forget that those breaks

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Speaker 1: were created externally and that you have to on purpose

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Speaker 1: create breaks for yourself now. If not, you will just

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Speaker 1: work all the way through. And I've done that, like

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Speaker 1: no stop, work all the way through, all.

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Speaker 2: The way through the summertime, always since the month where

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Speaker 2: I'm just like, but why are we hear?

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Speaker 1: Child?

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Speaker 2: Doesn't I'm like thinking about friends, you know, it's also December.

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Speaker 1: Intentionally taking breaks is something that like, as an adult,

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Speaker 1: you're like, wait, I have to do it. If not,

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Speaker 1: I will just keep going until, like my body says,

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Speaker 1: lay down, you know.

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Speaker 2: And take a break for yourself too. It doesn't have

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Speaker 2: to be for a big family vacation, you know. The

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Speaker 2: other day and I was, I was really in a

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Speaker 2: spot of overwhelm and I called my mommy because as

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Speaker 2: you do. And I'm so grateful that I can. I

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Speaker 2: know some of us, a lot of people out there

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Speaker 2: don't have. Whether you're not, you don't And this is

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Speaker 2: the holiday, so it's like whether or not you have

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Speaker 2: a good relationship with your family, it all comes up

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Speaker 2: and if they're not no longer here, like how do

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Speaker 2: you move on without them? And so I just want

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Speaker 2: to hold space for everyone who's dealing with that, but

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Speaker 2: I did. I'm fortunate to have my mommy still here,

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Speaker 2: so I called her and we were both just trying

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Speaker 2: to figure out what I could do to like chill out.

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Speaker 2: And it was like eleven am on a Tuesday, and

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Speaker 2: she said, you know what, take a bubble bath, right now,

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Speaker 2: go take a bath. And I was like, I can't.

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Speaker 2: Oh well, that's a great idea. And I took a

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Speaker 2: bath in the middle of the day and I did

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Speaker 2: a little meditation, like a five minute calm me meditation,

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Speaker 2: and just floated and it was I mean, I had

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Speaker 2: to clean the bathtub first because my son bathes in

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Speaker 2: there and I know where he's been, so it goes

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Speaker 2: a little bit of work to start. But yeah, even

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Speaker 2: just that like little half hour, you know, it really

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Speaker 2: reset me. So to anyone who's feeling that sense of overwhelm,

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Speaker 2: what's like, what's the one thing.

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Speaker 1: You can do just to like reset? Where's your saving

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Speaker 1: base walk? For me? I love a long hot shower.

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Speaker 1: I have like a bench of my shower since I'll

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Speaker 1: just sit there and be like, rain down, calm me.

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Speaker 1: I mean, I thought, I'm sorry, but I need it.

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Speaker 2: Water. It is, it truly is even the sound of it.

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Speaker 2: So sitting in a nice, steamy shower, you know. I

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Speaker 2: had my sister. I told she's we're the same, and

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Speaker 2: she was like, I'm really overwhelmed too. And I was like, well,

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Speaker 2: I took a bath. She's like, do you know how

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Speaker 2: much work it is to take a bath. You got

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Speaker 2: a shower first because you don't want to set in

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Speaker 2: your own funk, which I had to do too. And

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Speaker 2: I'm like, hey, yeah, I did all that, and then

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Speaker 2: I had it like, you know, it's sometimes if it's

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Speaker 2: work to do the thing, maybe don't do that thing. Yeah,

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Speaker 2: but something even sitting in my car and just driving

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Speaker 2: to a pretty place, Yes, I love.

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Speaker 1: That's one of my favorite things too, is that because

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Speaker 1: I live by a park and I thought about that today.

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Speaker 1: I was like, maybe I should just drive to the

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Speaker 1: park or walk to the park and sit on the

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Speaker 1: bench and just like cause the trees are still you know,

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Speaker 1: largely they've lost a lot of their you know, pretty leaves.

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Speaker 1: They have changed colors, but there are still some trees

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Speaker 1: that are just magnificent. And you know, I love to

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Speaker 1: listen to like a book or like music. There's a

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Speaker 1: song that I I saw it on this guy's YouTube.

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Speaker 1: He's a is the a neurologist, what's another brain doctor?

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Speaker 2: Neurologists is a brain doctor?

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Speaker 1: No neuro certain Yeah, he's a neurologist. I'm not gonna

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Speaker 1: say nourose surgeon. But he's not a north He's not

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Speaker 1: a uh. But so he's a neurologist. And he shared

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Speaker 1: this a specific song that they had done this research

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Speaker 1: and study about that helped to bring helps to bring

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Speaker 1: down anxiety. It's called and I'm not gonna lie, it's

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Speaker 1: been working so when I wake up in the morning.

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Speaker 1: So after Darrell passed away, doctor Green, my therapist, I

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Speaker 1: was like, I woke up. I used to wake up

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Speaker 1: with so much anxiety, and she suggested me listening to Beethoven.

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Speaker 1: There was like some music like no no words, just

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Speaker 1: like classical music, and that really helped a lot first

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Speaker 1: thing in the morning to not start with so much

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Speaker 1: jarring energy. And so I saw this neual, this neurologist

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Speaker 1: say that there's a specific song that they've done research

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Speaker 1: on and that it creates a similar kind of like

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Speaker 1: slowing down, you know. And so let me tell you

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Speaker 1: the name of it. It's called Weightless. But I want

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Speaker 1: I want to tell you who it's by. My library

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Speaker 1: playlist songs waitless, bye, wait okay bye Marconi Union. So

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Speaker 1: it's called wait list by Marconi Union. So literally I

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Speaker 1: put it on, I put it on repeat. And so

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Speaker 1: I have certain things that I do in the morning,

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Speaker 1: you know, like get up, I make my bed, I

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Speaker 1: brush my teeth, so all what I'm doing these things

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Speaker 1: in the morning. I used to sometimes let me just

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Speaker 1: check my email real quick and then the wrap it

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Speaker 1: down the wrapper hole you go. And so I will

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Speaker 1: play this because I would say eighty percent of the

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Speaker 1: time I start my day with a walk. So I

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Speaker 1: will play this until I get outside walking. So it's

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Speaker 1: like it helps me to focus on no, no, no, we're

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Speaker 1: opening the windows, we're getting up, we're brushing teeth, we're

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Speaker 1: making bed, we're not doing any work things until you

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Speaker 1: get outside. Because once I get outside for the walk,

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Speaker 1: then the walk and the nature takes over and then

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Speaker 1: I can like you know, and so like, you know,

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Speaker 1: that's just something to think about. Like, but yeah, wait

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Speaker 1: Lists by Marconi Union. You know it's I mean, it's

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Speaker 1: you know, you're not going to jam it to it.

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Speaker 2: Yeah, it's just like that this this morning we're having

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Speaker 2: like parallel moments, I think because this morning I was

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Speaker 2: That's when we talked on Friday, when I was doing

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Speaker 2: a milk drop yes Yes, on the way to I

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Speaker 2: was like, I'm super woman, I'm gonna my I'm dropping

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Speaker 2: remming off with mother in law who lives thirty minutes away,

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Speaker 2: and I do the back and forth commute after a

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Speaker 2: drop off Rio and it is very helpful, but it's

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Speaker 2: also very challenging because she lives in a very congested

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Speaker 2: area in Manhattan called Inwood, and my god, the exit

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Speaker 2: exit nine, if you know what I'm talking about, on

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Speaker 2: eighty seven is just a cluster, you know what. And

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Speaker 2: most days I can go to the sunken place where

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Speaker 2: I live. Sometimes when the kids are crying and when

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Speaker 2: I'm on that particular exit on the highway and I

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Speaker 2: just need to breathe. But yeah, today was super stressful

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Speaker 2: and I was taking again taking my son taking me

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Speaker 2: to a Boila's, but this time because of what happened Friday,

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Speaker 2: so I had to get up. He spent the night

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Speaker 2: for the first time ever. That was the first little

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Speaker 2: piece of stress. I had to get chapter one of

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Speaker 2: my book done. The second chapter one, Yeah, I did

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Speaker 2: it over again and anyway, so he stayed over, but

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Speaker 2: she ran out of milk at three am. And I've

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Speaker 2: been exclusively breastfeeding, which I did for Rio. But I

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Speaker 2: realized like it was the pandemic. We were never not

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Speaker 2: with each other, so it wasn't that it was nothing.

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Speaker 2: You know, this is very something. And so today I

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Speaker 2: brought formula with him, and I was like, you know,

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Speaker 2: I was gonna. I knew I was walking into like

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Speaker 2: having to explain to a boila, like here's the formula,

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Speaker 2: here's why. Luckily she was supportive. Sometimes you know, now

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Speaker 2: it's like flipped. Now you get shamed for not breastfeeding.

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Speaker 2: But just I can't. I can't. I can't be driving,

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Speaker 2: you know, thirty minutes each way just to drop off

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Speaker 2: a baggie of milk.

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Speaker 1: But on the way.

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Speaker 2: Home, I just I could. I on my little hands

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Speaker 2: free thing. I was like, play calming music, please, just something,

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Speaker 2: and it was, you know, it sounded like the background

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Speaker 2: music if you were to do like a meditation app.

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Speaker 1: It was it sounds like that.

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Speaker 2: Now you don't want to fall asleep. So I don't

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Speaker 2: recommend it on the highway. But I drive a car.

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Speaker 2: I drive a Tezzi and fuck, I love this car.

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Speaker 1: I know we don't like you.

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Speaker 2: Know who, but I love this car all my god. Okay,

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Speaker 2: so there's an auto driving feature, I literally and it's

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Speaker 2: and I turned on the rainbow Road feature, so I

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Speaker 2: just like tapped the little the little gearshift for thinkingmajigger

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Speaker 2: twice and then the rainbow Road comes on and the

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Speaker 2: car is driving for me, and I just have my

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Speaker 2: hands right here and yes I'm paying attention and ten

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Speaker 2: and two and all that, and I'm holding on, but

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Speaker 2: a little piece of my brain can kind of float

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Speaker 2: because the car is sort of taking over for me

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Speaker 2: in that small way. So I the best I could

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Speaker 2: do today to get to get back to centered.

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Speaker 1: It's good to talk about these things because sometimes we

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Speaker 1: think that we're like alone and the overwhelmed with the

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Speaker 1: over the work or the whatever, and it's just nice

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Speaker 1: to know that you're not and that we are all

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Speaker 1: living kind of like these parallel lives. And then here's

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Speaker 1: some solutions. You know that if you found a thing,

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Speaker 1: so you.

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Speaker 2: Know what I realized too. If you're listening to broad Ambition,

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Speaker 2: I hope that you're doing something because usually people listen,

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Speaker 2: like in the car oh, maybe while you're taking a walk.

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Speaker 2: I hope that right now, like I hope broad ambition

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Speaker 2: can be you know, if that helps you can be

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Speaker 2: a companion to your Yes, we'd love to be your

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Speaker 2: companion saw moment, because tis the season for all the

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Speaker 2: the things. Yes, absolutely. My therapist told me I need

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Speaker 2: to start a and I actually did. I started a

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Speaker 2: Trello board for my ideas because when I'm telling you,

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Speaker 2: I am my own worst enemy. It's my creativity because

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Speaker 2: I'll be like, what if I totally could Yeah, I

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Speaker 2: could do a lot of things. Like I'm in the

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Speaker 2: middle of one of my wild ideas, which does to

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Speaker 2: redo the basement for You's birthday, which is six days,

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Speaker 2: and I have all the things kind of laying here,

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Speaker 2: and I'm just like you think I can get a

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Speaker 2: task crabit on Thanksgiving?

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Speaker 1: Yeah, probably not Thanksgiving, but weak.

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Speaker 2: Like I don't know, but it's, you know, one of anyway.

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Speaker 2: So I'm trying to find a safe space, like a

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Speaker 2: not a safe space, a place to put my ideas

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Speaker 2: before they become a thing that destroys me. And I

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Speaker 2: back myself into corners with all my ideas, Tiffany, And

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Speaker 2: that's actually been nice I started it, and I have

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Speaker 2: like a little I won't tell you all my crazy ideas. Well.

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Speaker 2: One of them was to run a ten k and

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Speaker 2: have my my sister friend neighbor train me, which I

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Speaker 2: started to do and before I realized I can't commit.

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Speaker 1: To drink for you're also do you just had the baby?

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Speaker 1: You are working on the book, and so even just

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Speaker 1: saying like, you know you're gonna move your body and walk,

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Speaker 1: and but I not to not to jump shark, but

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Speaker 1: I would love for you to put on your journalist's hat. Okay,

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Speaker 1: you know because today it.

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Speaker 2: Never comes off.

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Speaker 1: Oh, today is made whole, like launch day. So I

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Speaker 1: would love like, so we're gonna name this episode actually

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Speaker 1: made whole. Let's be let's let's let's name it that.

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Speaker 1: And so I would love for you if I was

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Speaker 1: a guest on the show, hi, you know, just to

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Speaker 1: interview me so the girls can learn more about the

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Speaker 1: book that's coming out and where they can get it.

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Speaker 1: Let me get my book?

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Speaker 2: And she notice she didn't tell me I was working today,

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Speaker 2: you guys, I don't usually work during brown ambition.

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Speaker 1: But okay, now today's book episode, that's what I said it.

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Speaker 2: Where's my where's my free press copy? I know, you

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Speaker 2: know what, I totally for reader. I was like, what

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Speaker 2: did I say? I got your damn first book right

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Speaker 2: behind me free promo? Anyway, who my hair is blocking in?

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Speaker 2: That's my Now It's fine because I know a little

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Speaker 2: bit about Maidhole. Well, the first thing I want to

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Speaker 2: ask you, well, first, congratulations, because to get immediately, like

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Speaker 2: the only person I know who got a workbook after

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Speaker 2: the book was Michelle Obama. They were like, do a workbook?

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Speaker 2: So and I know that workbooks were becoming more popular,

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Speaker 2: but it's like a companion to a book that resonates.

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Speaker 1: And so first, congrats, thank you.

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Speaker 2: And second, what did they tell you? Did they what

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Speaker 2: is the workbook? Like? What is it? And then what

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Speaker 2: was your approach to creating it and making it your own?

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Speaker 2: To go with Get Good with Money?

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Speaker 1: So almost immediately they wanted me to do like a workbook,

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Speaker 1: you know. But you know, Jera had passed away, and

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Speaker 1: I was just like, I'm not doing anything, leave me alone.

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Speaker 1: But I realized that there were people who might have

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Speaker 1: read Get Good Money who might have felt a little

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Speaker 1: overwhelmed because it's really like a textbook, you know, Like

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Speaker 1: I like to think of Gigo money like kind of

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Speaker 1: like yeah, just like kind of like if I'm dating myself,

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Speaker 1: this encyclopedia for like the core components of your financial

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Speaker 1: life budgeting, savings, that credit, earning, investing, insurance, financial team, networth,

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Speaker 1: estate planning. Those are the ten steps to financial wholeness.

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Speaker 1: But then I knew that there were people who were like,

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Speaker 1: I wanted something that feels lighter, or I can kind

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Speaker 1: of get to the work more quickly, and so that

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Speaker 1: to me is the purpose of a workbook, you know,

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Speaker 1: Like I read like one of my favorite books is

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Speaker 1: called like the Twelve the twelve Week Year, So it's

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Speaker 1: this great book, and I was like, basically it was

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Speaker 1: a book that helped to reset the way I thought

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Speaker 1: about getting things done, helped to get me excited about like, oh,

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Speaker 1: what I could normally get done in a year, I

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Speaker 1: can get done in twelve weeks. But then I got

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Speaker 1: the work book because I'm like, now I'm ready to

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Speaker 1: do the work, Like walk me through the actual steps

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Speaker 1: although and get your money. I was pretty good at

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Speaker 1: doing that, but with made whole, I was like, here

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Speaker 1: are the steps to do the work that I'm talking about,

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Speaker 1: not just here are the steps in word form. Here's

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Speaker 1: what it looks like visually, Like say, if it was

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Speaker 1: a budgeting step, I show you someone's actual budget, you know, like,

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Speaker 1: here's what it looks like when properly done. And then immediately,

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Speaker 1: which is important, here's a blank space for you to

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Speaker 1: do the work right after learning about it, so you.

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Speaker 2: Can write in this thing.

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Speaker 1: Yes, it's a hard cover workbook. Yes, so that was

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Speaker 1: important to me. Yeah, and also it's important to me

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Speaker 1: that it was a hardcover workbook and that it was

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Speaker 1: wider because I wanted to have like so if you're

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Speaker 1: watching it, we could see it. So here it is like,

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Speaker 1: so here, I'll show you the difference. So this is

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Speaker 1: because like I don't.

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Speaker 2: I don't have a copy yet, just to reiterate that

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Speaker 2: I forgot it. But yeah, that looks nice for people

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Speaker 2: who have one.

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Speaker 1: Body. And then this is madeholds. He made wholes a

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Speaker 1: little wider, and because it's meant to like in a

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Speaker 1: little bit thinner, a little skinnier, she a little slim.

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Speaker 1: This is fix here. But also too, I wanted it

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Speaker 1: that wider because I wanted when you opened it, like

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Speaker 1: you could you know, because I'm like I would use

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Speaker 1: workbooks so you should be able to open it, lay

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Speaker 1: it flat and do the work.

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Speaker 2: Oh yeah, and it just relaxes, and so it was

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Speaker 2: important to me.

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Speaker 1: Then, you know, it was like, read the step, and

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Speaker 1: the steps are a little bit more, you know, more

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Speaker 1: concise than a get er with money, but then look

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Speaker 1: at it visually and then here's a chance to do

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Speaker 1: the step. So that was really important. So that's one

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Speaker 1: of the ways that it's different. Something else too that

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Speaker 1: I integrated into made holes that I know that as

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Speaker 1: an educator, I know that sometimes people get really overwhelmed.

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Speaker 1: You know, it's like, oh, this is you know, maybe

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Speaker 1: this chapter is ten fifteen pages. I'm feeling overwhelmed. I'm

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Speaker 1: not doing all this. So and some of the chapters

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Speaker 1: where it made sense, I added something called a quick start,

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Speaker 1: which is if you don't do any of these. So,

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Speaker 1: for example, with the budgeting chapter, I have a whole

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Speaker 1: budgeting system and you might not feel ready to quite

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Speaker 1: do it. So I'm like, even if you don't do

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Speaker 1: the whole budgeting system, here is a split it before

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Speaker 1: you get it step where if you don't do your budget,

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Speaker 1: if you just go to HR them to split your

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Speaker 1: money into these four bank accounts, your bill's account, your

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Speaker 1: spending accounts. These are two checking accounts, and the other

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Speaker 1: two are savings accounts, your short term savings or emergency

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Speaker 1: savings and long term savings account or goal savings account. Right,

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Speaker 1: so bills, spending, emergencies, goals. Right. If you split your

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Speaker 1: money there, then even if you don't do a budget,

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Speaker 1: it will help you to budget without budgeting, because ideally

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Speaker 1: you can have your bills paid automatically, or you can

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Speaker 1: pay them every two weeks or whatever yourself. You don't

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Speaker 1: have a debit card attached to that checking account, you

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Speaker 1: can literally call and get it detached. So when you're

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Speaker 1: out spending with the money that's left in your checking

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Speaker 1: account for spending, you know, you're not spending bill money,

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Speaker 1: you're not spending any of your savings. It's just money

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Speaker 1: set aside for groceries, going out, grooming, toiletries, whatever it

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Speaker 1: is that you're setting aside that money for and your

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Speaker 1: savings is that a totally different bank, so that way

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Speaker 1: you don't have these easy transfers, you know, and also

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Speaker 1: to you in a high yield savings account, which is

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Speaker 1: typically found with an online only bank anyway, and that

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Speaker 1: money is set aside in a way, and you know

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Speaker 1: that automatically you're setting aside of money for savings for

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Speaker 1: emergencies and savings for whatever goal you have a house

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Speaker 1: or car or whatever. And so that is a way

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Speaker 1: that's like a simple sample of a quick start.

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Speaker 2: It's like my bare minimum budgeting, which I mean, yeah, bare.

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Speaker 1: Minimum, Yes, I love that budget. Here's a quick start

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Speaker 1: that you can do by making a phone call to HR.

430
00:21:30,520 --> 00:21:33,080
Speaker 1: So there are quick starts throughout made whole that, which

431
00:21:33,119 --> 00:21:34,560
Speaker 1: is different from get going money.

432
00:21:35,040 --> 00:21:37,480
Speaker 2: If they're like a you know, we love a checklist,

433
00:21:37,760 --> 00:21:41,359
Speaker 2: they're just feeling like you've like done something. Does is

434
00:21:41,400 --> 00:21:44,200
Speaker 2: there any sort of feeling of okay, I've ticked off

435
00:21:44,280 --> 00:21:44,879
Speaker 2: this box?

436
00:21:45,280 --> 00:21:47,840
Speaker 1: You know, absolutely. So another thing that we had that

437
00:21:48,640 --> 00:21:51,480
Speaker 1: because every so there are ten steps in this book,

438
00:21:51,520 --> 00:21:54,320
Speaker 1: and at the end of each of the steps, you

439
00:21:54,440 --> 00:21:57,240
Speaker 1: I let you know visually and also just like congratulate

440
00:21:57,560 --> 00:22:00,760
Speaker 1: you that you're now twenty percent hole, You're now thirty

441
00:22:00,800 --> 00:22:03,080
Speaker 1: percent whole. You now, So it's like each step you

442
00:22:03,119 --> 00:22:04,960
Speaker 1: get to accumulate until you get to the last step

443
00:22:04,960 --> 00:22:07,720
Speaker 1: of state planning and you're one hundred percent hole. So

444
00:22:07,720 --> 00:22:09,479
Speaker 1: people are like, well, who, so you get that feeling

445
00:22:09,480 --> 00:22:12,800
Speaker 1: of like I am making movement forward. But there are

446
00:22:12,880 --> 00:22:15,800
Speaker 1: checklists in here for you too. There are things for

447
00:22:15,840 --> 00:22:20,240
Speaker 1: you to fill out. I have duplicates for free on

448
00:22:20,280 --> 00:22:22,879
Speaker 1: the website Mad Whole Workbook dot com. So if you

449
00:22:22,880 --> 00:22:24,600
Speaker 1: fill it out here and you're like, I want to

450
00:22:24,640 --> 00:22:26,800
Speaker 1: do that again, you can get a duplicate of anything

451
00:22:26,840 --> 00:22:31,000
Speaker 1: that's found in the book for free. Nice yeah, like

452
00:22:31,040 --> 00:22:32,439
Speaker 1: whether you yeah, whether you pay for it or not.

453
00:22:32,480 --> 00:22:34,120
Speaker 1: So let's just say you go to Maid Whole Workbook.

454
00:22:34,320 --> 00:22:37,159
Speaker 1: You can still download the toolkit and get all of

455
00:22:37,240 --> 00:22:40,560
Speaker 1: like the you know, the tools and things for free.

456
00:22:40,720 --> 00:22:42,040
Speaker 1: So cause I know people, you know you write in

457
00:22:42,040 --> 00:22:43,760
Speaker 1: the book and you're like, wait, I want to do

458
00:22:43,800 --> 00:22:45,600
Speaker 1: it again. You don't have to buy a whole new book.

459
00:22:45,600 --> 00:22:48,200
Speaker 1: You could just get those components. And lastly, something that

460
00:22:48,200 --> 00:22:50,840
Speaker 1: I'm really proud of too is that after people read

461
00:22:50,880 --> 00:22:54,119
Speaker 1: Geka with Money, I thought to myself, I want you

462
00:22:54,160 --> 00:22:58,320
Speaker 1: to be encouraged by other people's success. So I asked, folks,

463
00:22:58,920 --> 00:23:01,600
Speaker 1: with these ten steps of financial holeness, I put like

464
00:23:01,640 --> 00:23:05,439
Speaker 1: an ask out to my community, can you tell me

465
00:23:05,480 --> 00:23:08,480
Speaker 1: some really like heartwarming stories about what are these steps

466
00:23:08,480 --> 00:23:10,439
Speaker 1: and how you were able to complete it? And so

467
00:23:10,480 --> 00:23:14,280
Speaker 1: we put those in real life stories IRL stories inside

468
00:23:14,560 --> 00:23:16,960
Speaker 1: the chapter. For each chapter there's one or two of them.

469
00:23:17,240 --> 00:23:19,560
Speaker 1: So you get to read about Wendy who was actually

470
00:23:19,600 --> 00:23:21,199
Speaker 1: able to pay down debt for the first time. You

471
00:23:21,200 --> 00:23:23,520
Speaker 1: get to read about to meet them who was able

472
00:23:23,520 --> 00:23:25,320
Speaker 1: to buy something. You get to you know, like, so

473
00:23:25,400 --> 00:23:27,239
Speaker 1: as you're working Twitter, you don't feel like these are

474
00:23:27,359 --> 00:23:30,280
Speaker 1: like steps that can't happen. These are real people who

475
00:23:30,280 --> 00:23:33,240
Speaker 1: were helped by by these ten steps, and so you

476
00:23:33,280 --> 00:23:36,639
Speaker 1: can be too. So I'm just proud of made whole

477
00:23:37,280 --> 00:23:39,320
Speaker 1: And yeah, I just think it's going to help a

478
00:23:39,359 --> 00:23:40,800
Speaker 1: lot of people, just like get go with money.

479
00:23:41,240 --> 00:23:42,840
Speaker 2: And if you're the kind of person who've read the

480
00:23:42,880 --> 00:23:45,320
Speaker 2: book and you're like, I did it, and then you

481
00:23:45,359 --> 00:23:49,040
Speaker 2: put it down and it maybe felt like, you know,

482
00:23:49,119 --> 00:23:51,800
Speaker 2: to go back and read hundreds of words or hundreds

483
00:23:51,800 --> 00:23:55,200
Speaker 2: of pages again feels like a lot. But this feels like, Okay,

484
00:23:55,480 --> 00:23:59,040
Speaker 2: now you've sort of understood the methods. Now, let's it's

485
00:23:59,080 --> 00:24:02,359
Speaker 2: like a personal trainer alongside you, kind of like helping

486
00:24:02,400 --> 00:24:06,639
Speaker 2: you through and getting you there. Okay, what's your favorite

487
00:24:06,960 --> 00:24:11,560
Speaker 2: wholeness step? Has it changed since we broke about to now?

488
00:24:12,320 --> 00:24:13,880
Speaker 1: I mean, you know, I love me a good budget.

489
00:24:15,560 --> 00:24:17,200
Speaker 1: I'm trying to think it's.

490
00:24:17,080 --> 00:24:19,080
Speaker 2: Always the hardest one for me because you know what

491
00:24:19,119 --> 00:24:25,480
Speaker 2: the budget is confronting facts and math and numbers, and

492
00:24:25,560 --> 00:24:28,479
Speaker 2: I think and also if you're in a relationship, if

493
00:24:28,520 --> 00:24:31,240
Speaker 2: you're with a partner, it's not that you can't do

494
00:24:31,280 --> 00:24:34,720
Speaker 2: it alone, so it you know, it sounds so simple

495
00:24:34,760 --> 00:24:37,360
Speaker 2: and it is like the first and I think, obviously

496
00:24:37,359 --> 00:24:40,640
Speaker 2: you're the budget, so you know about teaching people budgets.

497
00:24:40,640 --> 00:24:42,920
Speaker 2: But for me, it's always been the more challenging thing

498
00:24:43,760 --> 00:24:47,320
Speaker 2: to sit down and get on the same page and

499
00:24:47,359 --> 00:24:51,640
Speaker 2: put everything out in places a struggle.

500
00:24:52,280 --> 00:24:54,080
Speaker 1: But what I like about a budget, I guess, is

501
00:24:54,080 --> 00:24:57,200
Speaker 1: that it tells me the truth about where I am

502
00:24:57,359 --> 00:25:01,119
Speaker 1: and gives me like it gives me clarity about what

503
00:25:01,160 --> 00:25:02,600
Speaker 1: I need to get to where I want to go to.

504
00:25:02,800 --> 00:25:05,359
Speaker 1: That makes sense, I would say. I don't know if

505
00:25:05,400 --> 00:25:07,879
Speaker 1: I have a favorite, but certainly the most impactful for

506
00:25:08,000 --> 00:25:12,120
Speaker 1: me when I wrote this book is the leaving a legacy,

507
00:25:12,160 --> 00:25:15,000
Speaker 1: that last part, because if I'm being always transparent, when

508
00:25:15,040 --> 00:25:18,879
Speaker 1: Geka with Money came out, I was ninety percent financially holed.

509
00:25:19,119 --> 00:25:20,639
Speaker 1: I had done all the steps, but I had not

510
00:25:20,800 --> 00:25:24,840
Speaker 1: finished my will you know, Jirell was here that the

511
00:25:24,960 --> 00:25:26,560
Speaker 1: year that this came out as a year that he

512
00:25:26,640 --> 00:25:29,000
Speaker 1: passed away on geg Go with money, and so we

513
00:25:29,040 --> 00:25:31,920
Speaker 1: had not finished our will, and a week before he

514
00:25:31,920 --> 00:25:34,480
Speaker 1: passed away, we were like starting to work on it again.

515
00:25:34,840 --> 00:25:37,880
Speaker 1: And then he passed and I was like, I need

516
00:25:37,880 --> 00:25:41,639
Speaker 1: to get my legacy and then my estate planning in place,

517
00:25:41,720 --> 00:25:44,159
Speaker 1: and so I did. So I have my will, my

518
00:25:44,280 --> 00:25:48,040
Speaker 1: trust is complete as well, and my beneficiaryes are updated

519
00:25:48,040 --> 00:25:50,800
Speaker 1: because really estate planning, those are the three things. Beneficiaries

520
00:25:51,359 --> 00:25:55,360
Speaker 1: like whose name are on the accounts. Beneficiaries trump everything.

521
00:25:55,800 --> 00:25:57,639
Speaker 1: I don't care what you have in your will or

522
00:25:57,680 --> 00:26:00,639
Speaker 1: what you say in your trust, Like if the beneficiary

523
00:26:00,880 --> 00:26:02,960
Speaker 1: is not that same name, it's going to go to

524
00:26:02,960 --> 00:26:05,360
Speaker 1: the beneficiary lined up like you know on your bank

525
00:26:05,359 --> 00:26:08,879
Speaker 1: account or your life insurance policies or anything else. My

526
00:26:09,000 --> 00:26:12,560
Speaker 1: will beneficiaries are like the easiest thing to update. Sometimes

527
00:26:12,600 --> 00:26:15,000
Speaker 1: you could just update online. Sometimes they'll send you some

528
00:26:15,000 --> 00:26:18,479
Speaker 1: paperwork that you could sign digitally, and sometimes they do

529
00:26:18,520 --> 00:26:20,600
Speaker 1: want like what they call a wet signature, which is

530
00:26:20,640 --> 00:26:22,760
Speaker 1: just you signing it and then nailing it back.

531
00:26:22,920 --> 00:26:29,200
Speaker 2: Of course, sorry, but a will, if it's a trust,

532
00:26:29,640 --> 00:26:31,720
Speaker 2: is it easy to just add that online too. Do

533
00:26:31,800 --> 00:26:32,879
Speaker 2: you just put the name in the trust?

534
00:26:33,320 --> 00:26:36,359
Speaker 1: So beneficiars are the easiest thing to do, like p

535
00:26:36,520 --> 00:26:38,960
Speaker 1: then what names? Yes, Just like like when I was

536
00:26:38,960 --> 00:26:40,320
Speaker 1: like if you you might be like, well, I don't

537
00:26:40,320 --> 00:26:41,879
Speaker 1: have no stuff. No, if you're twenty one years old,

538
00:26:41,920 --> 00:26:44,320
Speaker 1: you have a bank account, your bank account likely will

539
00:26:44,359 --> 00:26:46,879
Speaker 1: have like a beneficiaries component to it, and so you

540
00:26:47,040 --> 00:26:48,600
Speaker 1: just like, for me, it's always my mom my, mom

541
00:26:48,640 --> 00:26:51,000
Speaker 1: my mom until like I got a little older, you know,

542
00:26:52,000 --> 00:26:54,240
Speaker 1: but you want to make sure that's updated. You know,

543
00:26:54,320 --> 00:26:57,280
Speaker 1: it's it's like morbidly funny. But me and Jorell started

544
00:26:57,280 --> 00:27:01,119
Speaker 1: working with Angeli or our financial advisor, the benefic sharies,

545
00:27:01,119 --> 00:27:03,639
Speaker 1: and all of his stuff was Shante Alyssa's mom because

546
00:27:03,640 --> 00:27:05,399
Speaker 1: that's the last time he looked at it because they

547
00:27:05,440 --> 00:27:08,239
Speaker 1: were together and so and I remember telling him. I

548
00:27:08,280 --> 00:27:09,919
Speaker 1: was like, oh, babe, you're so glad that. I'm so

549
00:27:09,960 --> 00:27:11,760
Speaker 1: glad we updated it now because if you would have

550
00:27:11,760 --> 00:27:13,359
Speaker 1: passed away and she was on, I would have to

551
00:27:13,400 --> 00:27:18,080
Speaker 1: wake you up and kill you. And I'm like, it's

552
00:27:18,119 --> 00:27:21,119
Speaker 1: like it's like morbidly but I'm like that would have

553
00:27:21,119 --> 00:27:23,679
Speaker 1: been a nightmare. I mean, I would have been okay

554
00:27:24,359 --> 00:27:27,320
Speaker 1: financially either way, but it would have been really awkward,

555
00:27:27,440 --> 00:27:29,640
Speaker 1: you know, to deal with that on top of everything.

556
00:27:29,680 --> 00:27:32,520
Speaker 1: I mean, yeah, and so like, and I wouldn't have

557
00:27:32,520 --> 00:27:35,800
Speaker 1: found out until then. So I just so so the

558
00:27:35,800 --> 00:27:39,439
Speaker 1: beneficiary is like, easiest, do that, then your will is not.

559
00:27:39,560 --> 00:27:41,120
Speaker 1: I wish I would have known that the will wasn't

560
00:27:41,160 --> 00:27:43,480
Speaker 1: as hard as we thought, because the will really is

561
00:27:43,520 --> 00:27:46,639
Speaker 1: like a template that you could just edit. And so

562
00:27:47,080 --> 00:27:48,959
Speaker 1: when I did my will, it was in less than

563
00:27:48,960 --> 00:27:50,560
Speaker 1: a day. It was done. I'm like, I didn't know.

564
00:27:51,160 --> 00:27:53,199
Speaker 1: I wish I hadn't waited so long because he and

565
00:27:53,200 --> 00:27:55,240
Speaker 1: I thought we'd have to start from scratch. No, like

566
00:27:55,320 --> 00:27:58,280
Speaker 1: your attorney would likely have a template and then you

567
00:27:58,400 --> 00:28:01,200
Speaker 1: just add things on verbally, they put it in the will,

568
00:28:01,280 --> 00:28:03,320
Speaker 1: then you sign it the next day. So it was

569
00:28:03,320 --> 00:28:06,439
Speaker 1: like literally like a twenty four hour process. A will.

570
00:28:06,720 --> 00:28:08,240
Speaker 1: The difference between a will and a trust is that

571
00:28:08,320 --> 00:28:13,199
Speaker 1: a will tells your family like what's going to happen

572
00:28:13,920 --> 00:28:17,240
Speaker 1: to your stuff immediately after you pass away in about

573
00:28:17,320 --> 00:28:20,040
Speaker 1: six months out. That's what a will kind of dictates.

574
00:28:20,200 --> 00:28:22,399
Speaker 1: And then lastly, a trust does take time. A trust

575
00:28:22,440 --> 00:28:24,719
Speaker 1: might take up to a year or So because there

576
00:28:24,760 --> 00:28:27,439
Speaker 1: are these all these different components, and a trust is

577
00:28:27,440 --> 00:28:29,800
Speaker 1: really for people who have a net worth of five

578
00:28:29,840 --> 00:28:33,520
Speaker 1: hundred thousand dollars or more typically around that that it

579
00:28:33,720 --> 00:28:37,680
Speaker 1: range because typically or maybe you have a complicated financial life,

580
00:28:37,920 --> 00:28:42,880
Speaker 1: because a trust will help you to circumvent maybe some

581
00:28:42,880 --> 00:28:46,880
Speaker 1: some taxes the people who are inheriting your things, because

582
00:28:47,240 --> 00:28:50,000
Speaker 1: essentially a trust is like creating a company, a family

583
00:28:50,560 --> 00:28:54,600
Speaker 1: company now that owns all the stuff. So when I'm

584
00:28:54,640 --> 00:28:57,320
Speaker 1: no longer here, my family is actually not going to

585
00:28:57,400 --> 00:29:00,600
Speaker 1: inherit my stuff because we're already owned owning all of

586
00:29:00,600 --> 00:29:03,280
Speaker 1: that stuff via the trust. That that makes sense. So

587
00:29:03,400 --> 00:29:06,080
Speaker 1: inheritance taxes what I mean, and I think California is

588
00:29:06,080 --> 00:29:08,200
Speaker 1: like up to fifty percent, which is crazy. So you

589
00:29:08,280 --> 00:29:10,960
Speaker 1: find somebody grandma bought her house for fifty thousand dollars,

590
00:29:11,440 --> 00:29:14,520
Speaker 1: it's now worth four hundred, five hundred and six hundred

591
00:29:14,520 --> 00:29:17,560
Speaker 1: a million dollars. She passes it on to grand baby,

592
00:29:17,600 --> 00:29:20,040
Speaker 1: and the government says, well, you have to pay thirty

593
00:29:20,080 --> 00:29:22,880
Speaker 1: forty percent tax on this. You don't have three hundred

594
00:29:22,880 --> 00:29:24,280
Speaker 1: thousand dollars cash, So what do you have to do?

595
00:29:24,320 --> 00:29:26,120
Speaker 1: You got to sell grandma's house to get the money,

596
00:29:26,240 --> 00:29:29,920
Speaker 1: which sucks. But if that, if that house isn't a trust,

597
00:29:30,600 --> 00:29:34,520
Speaker 1: Grandma owns, the trust owns the house, and you guys

598
00:29:34,560 --> 00:29:37,680
Speaker 1: are all beneficiaries of this trust already, so you're not

599
00:29:37,720 --> 00:29:39,800
Speaker 1: going to be inheriting that house. It's just staying in

600
00:29:39,840 --> 00:29:42,280
Speaker 1: the trust where it already was, if that makes sense.

601
00:29:42,520 --> 00:29:44,920
Speaker 1: And so a trust helps that way. And also a

602
00:29:44,960 --> 00:29:47,840
Speaker 1: trust helps to dictate years into the future what you

603
00:29:47,880 --> 00:29:50,200
Speaker 1: want to happen with your stuff. So, for example, something

604
00:29:50,240 --> 00:29:53,880
Speaker 1: happens to me, like for all the miners in my

605
00:29:53,920 --> 00:29:57,840
Speaker 1: family and listen, including and like Roman, Amelia, Lily and

606
00:29:57,880 --> 00:30:00,959
Speaker 1: any new baby that my sisters have, I will if

607
00:30:00,960 --> 00:30:02,720
Speaker 1: something happens to me, they will get money at age

608
00:30:02,760 --> 00:30:05,280
Speaker 1: eighteen if they're going to college. If not, they'll get

609
00:30:05,280 --> 00:30:08,000
Speaker 1: a pay at twenty one, then twenty five and then

610
00:30:08,080 --> 00:30:11,000
Speaker 1: thirty you know, like whatever that is that I've set

611
00:30:11,040 --> 00:30:13,920
Speaker 1: aside for them, you know. And so that way, so

612
00:30:14,080 --> 00:30:15,800
Speaker 1: a trust will doesn't allow you to do that. A

613
00:30:15,800 --> 00:30:18,520
Speaker 1: trust allows you to reach into the future, years into

614
00:30:18,520 --> 00:30:22,040
Speaker 1: the future. So that chapter, I truthfully I didn't realize

615
00:30:22,080 --> 00:30:24,800
Speaker 1: how much I didn't know even after writing the book,

616
00:30:24,840 --> 00:30:28,320
Speaker 1: because that part of the chapter. I work with my

617
00:30:28,400 --> 00:30:33,280
Speaker 1: financial my attorney, Tony. She helped me with that chapter,

618
00:30:33,440 --> 00:30:35,560
Speaker 1: Like I researched all the chapters that were my expertise.

619
00:30:35,960 --> 00:30:38,520
Speaker 1: But even still, hearing her say the words is different

620
00:30:38,520 --> 00:30:41,320
Speaker 1: than living it, you know, and so having to live

621
00:30:41,360 --> 00:30:43,840
Speaker 1: it post Drell passing away, I was like, so with

622
00:30:43,960 --> 00:30:46,320
Speaker 1: made whole, I was able to be like, no, like

623
00:30:47,080 --> 00:30:49,880
Speaker 1: this is what that means, you know, Like I did

624
00:30:49,920 --> 00:30:53,120
Speaker 1: not know until Dreell passed away that you could put

625
00:30:53,560 --> 00:30:56,080
Speaker 1: more than one person as a primary to a specific thing.

626
00:30:56,200 --> 00:30:59,720
Speaker 1: So if you have a bank account and you've got

627
00:30:59,760 --> 00:31:02,959
Speaker 1: four sisters, it's not that you have to say this

628
00:31:03,040 --> 00:31:06,560
Speaker 1: one sister is a primary, everybody else's secondary, because primary

629
00:31:06,600 --> 00:31:09,720
Speaker 1: means that this person will inherit the money, and then

630
00:31:09,840 --> 00:31:12,440
Speaker 1: and that person's not there, then it goes to the

631
00:31:12,560 --> 00:31:15,640
Speaker 1: to the secondary. And I think that a lot of

632
00:31:15,680 --> 00:31:18,120
Speaker 1: people might think that, but you can actually say, here

633
00:31:18,160 --> 00:31:21,760
Speaker 1: are the four primaries split like, and you can either

634
00:31:21,760 --> 00:31:24,200
Speaker 1: split it directly in like you know, twenty five twenty five,

635
00:31:24,520 --> 00:31:26,320
Speaker 1: five twenty five, or you can say ten percent here,

636
00:31:26,560 --> 00:31:29,240
Speaker 1: ninety percent here, so you can literally split up. And

637
00:31:29,240 --> 00:31:31,040
Speaker 1: I didn't realize that. I think a lot of people

638
00:31:31,080 --> 00:31:34,640
Speaker 1: don't realize that, and they are also too considering that

639
00:31:34,680 --> 00:31:37,080
Speaker 1: if you have a minor child, how you want to

640
00:31:37,160 --> 00:31:41,000
Speaker 1: leave them the money, Because to be candid, Alyssa is

641
00:31:42,240 --> 00:31:44,040
Speaker 1: when she turns eighteen, she's going to come into a

642
00:31:44,040 --> 00:31:46,840
Speaker 1: lot of money. So because when you're eighteen, when you're

643
00:31:47,120 --> 00:31:50,880
Speaker 1: a minor and you're left money via life insurance, oftentimes

644
00:31:50,920 --> 00:31:53,920
Speaker 1: the state will hold it for them and trust for

645
00:31:54,000 --> 00:31:56,080
Speaker 1: them because they're like, they won't give it to the

646
00:31:56,280 --> 00:31:58,520
Speaker 1: living parent because they know sometimes oftentimes that money get

647
00:31:58,560 --> 00:32:01,880
Speaker 1: tricked up, so they're but when they turn eighteen or

648
00:32:01,880 --> 00:32:04,240
Speaker 1: twenty one, depending on the state, all that money now

649
00:32:04,280 --> 00:32:07,880
Speaker 1: goes to that child. That's a lot actually. So but

650
00:32:08,040 --> 00:32:09,720
Speaker 1: if we would have known, like jeronala I didn't fully

651
00:32:09,720 --> 00:32:11,760
Speaker 1: get it, we would have known, we would have instead

652
00:32:11,800 --> 00:32:16,600
Speaker 1: of having the life insurance policy been sent to myself

653
00:32:16,680 --> 00:32:19,280
Speaker 1: or a list or whoever, it would have gone to

654
00:32:19,360 --> 00:32:22,640
Speaker 1: the trust instead, and the trust would have said the

655
00:32:22,720 --> 00:32:26,200
Speaker 1: life the trust is the beneficiary of the life insurance policy.

656
00:32:26,680 --> 00:32:28,960
Speaker 1: And so when the money comes out, it will go

657
00:32:28,960 --> 00:32:31,440
Speaker 1: into the trust and it will pay for school for Alyssa.

658
00:32:31,800 --> 00:32:34,960
Speaker 1: Then she'll get her first pay like money for maybe

659
00:32:35,000 --> 00:32:38,800
Speaker 1: her first house or a wedding or you know when

660
00:32:38,840 --> 00:32:40,800
Speaker 1: she turns twenty five and again at thirty five, and

661
00:32:40,840 --> 00:32:43,360
Speaker 1: then you see what I mean, like knowing that versus

662
00:32:43,440 --> 00:32:45,760
Speaker 1: here you are eighteen years old. Here you go, you

663
00:32:45,760 --> 00:32:47,480
Speaker 1: know what I mean? And so like these are things

664
00:32:47,480 --> 00:32:49,520
Speaker 1: that I didn't really understand. So I would say that's

665
00:32:49,560 --> 00:32:52,000
Speaker 1: why that chapter is so critically important because I think

666
00:32:52,040 --> 00:32:54,480
Speaker 1: so few people really talk about a state planning in

667
00:32:54,480 --> 00:32:57,360
Speaker 1: a way they're like, oh, so I really beefed up

668
00:32:58,120 --> 00:33:01,400
Speaker 1: that chapter with my lived experience and and so I'm

669
00:33:01,440 --> 00:33:03,600
Speaker 1: really proud of it, even like you know, when I

670
00:33:03,640 --> 00:33:05,880
Speaker 1: was reading the chapters that like, I'm the in real

671
00:33:05,920 --> 00:33:08,040
Speaker 1: life story of the Yeah.

672
00:33:08,400 --> 00:33:11,600
Speaker 2: Yeah, because you're right, because you wrote the first book

673
00:33:12,240 --> 00:33:14,320
Speaker 2: before he passed away. Yeah, and you're in this.

674
00:33:14,560 --> 00:33:14,800
Speaker 1: Yeah.

675
00:33:15,560 --> 00:33:18,560
Speaker 2: I mean I didn't put two and two together because

676
00:33:18,560 --> 00:33:19,320
Speaker 2: I'm a little slow.

677
00:33:20,320 --> 00:33:21,960
Speaker 1: So it's just like all.

678
00:33:21,880 --> 00:33:24,840
Speaker 2: You were speaking though. I went to mad Whole Workbook

679
00:33:24,880 --> 00:33:28,880
Speaker 2: dot com and I was looking at the toolkit and

680
00:33:29,040 --> 00:33:32,600
Speaker 2: like the resources, and I think everyone listening just go

681
00:33:32,680 --> 00:33:35,160
Speaker 2: because if anything, it's a great list of you know,

682
00:33:35,240 --> 00:33:37,360
Speaker 2: y'all are always asking for where are gonna get to

683
00:33:37,400 --> 00:33:39,680
Speaker 2: find out financial planner? And where do you guys like

684
00:33:39,720 --> 00:33:42,360
Speaker 2: to invest? And all in all Coindor says, we can

685
00:33:42,400 --> 00:33:45,760
Speaker 2: call the Brown Ambition list too. Tiffy did all the research, y'all.

686
00:33:46,400 --> 00:33:49,920
Speaker 2: It's right here, and there's even a place trust and

687
00:33:50,000 --> 00:33:53,479
Speaker 2: will dot Org. I hadn't heard of that to start with. Okay,

688
00:33:53,520 --> 00:33:59,160
Speaker 2: but Mike, I I caught learned to Earn, which is,

689
00:33:59,520 --> 00:34:02,000
Speaker 2: you know, one of my favorite things because to avoid

690
00:34:02,040 --> 00:34:04,040
Speaker 2: all the budgeting. I just like you to make more money.

691
00:34:05,240 --> 00:34:07,760
Speaker 2: But can you talk a little bit about that and

692
00:34:07,800 --> 00:34:09,920
Speaker 2: what people can expect from that part of the workbook.

693
00:34:10,320 --> 00:34:12,480
Speaker 1: So, yeah, because you can't save your way to wealth.

694
00:34:12,800 --> 00:34:16,480
Speaker 1: Like the thing is, so the first half the book

695
00:34:16,520 --> 00:34:20,920
Speaker 1: are the first five steps to financial hollness budgeting, savings, debt, credit,

696
00:34:21,040 --> 00:34:24,840
Speaker 1: learn to earn. That's a critical foundational component to financial

697
00:34:24,840 --> 00:34:26,880
Speaker 1: hollness because you have to make more money. So and

698
00:34:27,000 --> 00:34:32,160
Speaker 1: then I actually lean into our girl, Mandra I shound

699
00:34:32,200 --> 00:34:33,960
Speaker 1: to you because.

700
00:34:33,840 --> 00:34:35,960
Speaker 2: I would know that if I had one of those

701
00:34:36,000 --> 00:34:37,239
Speaker 2: books there you.

702
00:34:37,160 --> 00:34:39,439
Speaker 1: See, man, it's gonna save you the whole time, right,

703
00:34:39,880 --> 00:34:42,719
Speaker 1: And so anyway, I talked about ways to one make

704
00:34:42,760 --> 00:34:47,080
Speaker 1: more money at work and also to how to negotiate. Like,

705
00:34:47,120 --> 00:34:49,000
Speaker 1: so one of the ways is to how to negotiate.

706
00:34:49,000 --> 00:34:50,480
Speaker 1: So I was like, oh, Mandy, I want to I'm

707
00:34:50,480 --> 00:34:52,680
Speaker 1: gonna quote you in the book like here, there's like

708
00:34:52,680 --> 00:34:55,080
Speaker 1: a whole like Mandy sent me like a bunch of

709
00:34:55,080 --> 00:34:57,600
Speaker 1: steps of like of steps to negotiating, and I was like,

710
00:34:57,600 --> 00:35:01,279
Speaker 1: oh great. I was like from Mandy Brown Ambition and

711
00:35:01,320 --> 00:35:05,120
Speaker 1: Mandy money Makers, here are some steps negotiating. And that's

712
00:35:05,120 --> 00:35:07,840
Speaker 1: how like I put that part in the book to

713
00:35:07,880 --> 00:35:10,640
Speaker 1: really walk you through, how do you negotiate for more

714
00:35:10,680 --> 00:35:13,040
Speaker 1: money for yourself at your current job? And if not that,

715
00:35:13,600 --> 00:35:15,920
Speaker 1: then how do you then look for another job that

716
00:35:16,000 --> 00:35:18,719
Speaker 1: might pay more. That's one of the ways, because one

717
00:35:18,760 --> 00:35:20,480
Speaker 1: of the best ways to make more money is where

718
00:35:20,480 --> 00:35:23,120
Speaker 1: you currently are, if it's available to you. You know,

719
00:35:23,320 --> 00:35:25,759
Speaker 1: so many people have not tapped into that. And then

720
00:35:25,840 --> 00:35:27,840
Speaker 1: I also talk about how to make more money outside

721
00:35:27,880 --> 00:35:31,319
Speaker 1: of your job, if you're wanting to create income through

722
00:35:31,360 --> 00:35:33,680
Speaker 1: like a side hustle or whatever that might look like

723
00:35:33,680 --> 00:35:36,240
Speaker 1: a side business. And so those are the two components

724
00:35:36,280 --> 00:35:39,360
Speaker 1: that I really lean into of making additional money because

725
00:35:39,880 --> 00:35:42,080
Speaker 1: the truth of the matter is, especially when you're young,

726
00:35:42,200 --> 00:35:45,439
Speaker 1: these are really your income earning years. So how can

727
00:35:45,480 --> 00:35:48,440
Speaker 1: you be really smart about beefing that up so that

728
00:35:48,480 --> 00:35:50,160
Speaker 1: way you can get to a part or you might

729
00:35:50,160 --> 00:35:51,880
Speaker 1: be like, I'm not young, and I'm like, if you're listening,

730
00:35:51,920 --> 00:35:54,960
Speaker 1: you are. Even if you're seventy, you're still seventy years

731
00:35:55,000 --> 00:35:57,279
Speaker 1: young because you're here, you know. And so if you're

732
00:35:57,320 --> 00:36:00,680
Speaker 1: wanting to make more money, you know, it's not just

733
00:36:00,760 --> 00:36:03,520
Speaker 1: for making more money. I hope you understand that one

734
00:36:03,520 --> 00:36:05,560
Speaker 1: of the purposes of making more money is to short

735
00:36:05,719 --> 00:36:09,719
Speaker 1: enjoy some now, but to set aside some so you

736
00:36:09,760 --> 00:36:11,320
Speaker 1: don't have to continue.

737
00:36:10,880 --> 00:36:16,120
Speaker 2: To work, you know, yeah, and go in hoard those

738
00:36:16,160 --> 00:36:18,960
Speaker 2: early years. I'll never work as hard as I did

739
00:36:18,960 --> 00:36:19,440
Speaker 2: at twenty.

740
00:36:19,880 --> 00:36:21,120
Speaker 1: Yes, I think about that.

741
00:36:21,280 --> 00:36:24,320
Speaker 2: It's all the free time and the mental capacity. H

742
00:36:24,440 --> 00:36:25,160
Speaker 2: my goodness.

743
00:36:25,360 --> 00:36:27,120
Speaker 1: And don't think to yourself if you're like forties or

744
00:36:27,160 --> 00:36:29,200
Speaker 1: fifties or sixties, like, oh, is it too late? No,

745
00:36:29,680 --> 00:36:32,480
Speaker 1: it's not now. It might you might have to put

746
00:36:32,520 --> 00:36:34,840
Speaker 1: in that work for the next five six years. You know.

747
00:36:34,880 --> 00:36:37,040
Speaker 1: It's a kind of offset. I know I did. I

748
00:36:37,040 --> 00:36:40,000
Speaker 1: didn't really start really cooking with grease until my like

749
00:36:40,080 --> 00:36:43,880
Speaker 1: mid thirties. But if you are younger and now is

750
00:36:43,920 --> 00:36:45,600
Speaker 1: the time. A young woman asked me that, like I am.

751
00:36:45,960 --> 00:36:50,719
Speaker 1: I had the book launch at with Mahogany books that

752
00:36:50,800 --> 00:36:54,200
Speaker 1: I mentioned earlier, awesome black on bookstore. Certainly you can

753
00:36:54,239 --> 00:36:58,120
Speaker 1: purchase copies of Made Whole directly for Mahogany Books. It's

754
00:36:58,200 --> 00:37:03,080
Speaker 1: literally Mahogany books dot com. They were amazing the owners there.

755
00:37:04,040 --> 00:37:08,080
Speaker 1: And so what are the women? Asked one young woman

756
00:37:08,120 --> 00:37:10,000
Speaker 1: after she was twenty seven years old, and she was like,

757
00:37:10,000 --> 00:37:12,040
Speaker 1: what should I be thinking about now? I was like,

758
00:37:12,160 --> 00:37:14,680
Speaker 1: besides the basics of like keeping your credit, good keeping

759
00:37:14,680 --> 00:37:17,319
Speaker 1: your debt, loan learning, how to you know budget and save,

760
00:37:17,400 --> 00:37:20,719
Speaker 1: I said, you need to be working to like to

761
00:37:20,840 --> 00:37:23,680
Speaker 1: earn more and not earn more so you can buy

762
00:37:23,719 --> 00:37:26,279
Speaker 1: more stuff so you can set aside you know, to

763
00:37:26,320 --> 00:37:29,759
Speaker 1: certainly enjoy, but set aside enough so that way as

764
00:37:29,800 --> 00:37:32,520
Speaker 1: you start to wind down, the energy winds down, your capacity,

765
00:37:32,600 --> 00:37:36,000
Speaker 1: your time that you the money is working for you.

766
00:37:35,400 --> 00:37:39,480
Speaker 2: You know, so absolutely times on your side. Oh the

767
00:37:39,560 --> 00:37:43,359
Speaker 2: tender age of twenty seven. Oh okay, Well, since we're

768
00:37:43,360 --> 00:37:46,560
Speaker 2: in the holiday season, we talked about that Maidhole is

769
00:37:46,640 --> 00:37:50,000
Speaker 2: out now. Yes, I am a mom. Did you know

770
00:37:50,080 --> 00:37:53,120
Speaker 2: that I hire? Maybe I have a couple of kids. Whatever,

771
00:37:54,040 --> 00:37:59,200
Speaker 2: And I gotta say I'm usually not that bad about

772
00:37:59,360 --> 00:38:03,040
Speaker 2: holiday shop. Like my sisters and my siblings, like we

773
00:38:03,080 --> 00:38:06,920
Speaker 2: do White Elephant or Secret Santa. This year we're going

774
00:38:06,960 --> 00:38:09,239
Speaker 2: back to just buying each other gifts or whatever. But

775
00:38:10,000 --> 00:38:12,360
Speaker 2: I'm usually not that caught up in Black Friday and

776
00:38:12,440 --> 00:38:15,440
Speaker 2: caught up and I haven't ever been, But now I

777
00:38:15,480 --> 00:38:19,080
Speaker 2: got the cheering. And when I tell you I saved,

778
00:38:19,600 --> 00:38:22,680
Speaker 2: I caught myself. I was saving the Target catalog because

779
00:38:22,680 --> 00:38:24,480
Speaker 2: they send you stuff in the mail now, and I'm like, oh,

780
00:38:24,520 --> 00:38:27,960
Speaker 2: they It's like the mail is the original algorithm, you know,

781
00:38:28,200 --> 00:38:31,560
Speaker 2: like I serve you the content. How did you guys know?

782
00:38:31,680 --> 00:38:34,640
Speaker 2: I was just thinking about Lake Shore Learning and what

783
00:38:34,760 --> 00:38:37,040
Speaker 2: I send you, like the Melissa and Doug collection. There,

784
00:38:37,440 --> 00:38:40,319
Speaker 2: Melissa and Doug is sending me flyers. Gotta have it.

785
00:38:40,320 --> 00:38:43,080
Speaker 2: It's like everything is so cute. Plus Rio's birthday is

786
00:38:43,120 --> 00:38:46,960
Speaker 2: coming up. Oh my goodness, it feels like I'm about

787
00:38:47,000 --> 00:38:50,239
Speaker 2: to blow up my budget that I don't even have, Like,

788
00:38:50,600 --> 00:38:54,120
Speaker 2: how stop me? How do I? How do you stop us.

789
00:38:54,000 --> 00:38:55,000
Speaker 1: From going out of control?

790
00:38:55,040 --> 00:38:59,600
Speaker 2: Because it feels good. The endorphins are endorphining when I buy.

791
00:39:00,080 --> 00:39:03,120
Speaker 1: Well, my children one of the things that really is

792
00:39:03,160 --> 00:39:05,880
Speaker 1: helpful whenever I'm doing something that I know is going

793
00:39:05,920 --> 00:39:08,000
Speaker 1: to require like you know, more money than what's normally

794
00:39:08,000 --> 00:39:10,440
Speaker 1: for my budget. I like to set it aside in

795
00:39:10,480 --> 00:39:13,000
Speaker 1: a bank account. So like if you have a savings

796
00:39:13,000 --> 00:39:15,120
Speaker 1: account sometimes, you know, like some safe accounts have like

797
00:39:15,120 --> 00:39:17,279
Speaker 1: the little it's the same account, but they'll let you

798
00:39:17,400 --> 00:39:19,640
Speaker 1: like put it into like a little bucket within the

799
00:39:19,640 --> 00:39:21,959
Speaker 1: savings account, you know, or you could just go ahead

800
00:39:22,000 --> 00:39:25,840
Speaker 1: and open another savings account. It's free, you know, you know,

801
00:39:26,160 --> 00:39:29,400
Speaker 1: or you know. I like to place it somewhere because

802
00:39:29,520 --> 00:39:32,600
Speaker 1: I like to see the money go down, you know

803
00:39:32,640 --> 00:39:34,719
Speaker 1: what I mean. So what I'll do is, so for example,

804
00:39:35,160 --> 00:39:37,960
Speaker 1: I am renovating. I had a specific budget in mine

805
00:39:37,960 --> 00:39:41,040
Speaker 1: to renovate, and I put it in a I had

806
00:39:41,080 --> 00:39:43,239
Speaker 1: a specific savings account that really didn't have much money

807
00:39:43,239 --> 00:39:44,759
Speaker 1: in it. So I was like, okay, you are now

808
00:39:44,880 --> 00:39:47,560
Speaker 1: renovation bucket. And so I put the money in there

809
00:39:47,640 --> 00:39:49,040
Speaker 1: that I was going to do for renovating and this

810
00:39:49,080 --> 00:39:53,279
Speaker 1: high yield savings account. And I even if I buy things,

811
00:39:53,320 --> 00:39:56,040
Speaker 1: so for example, I'm purchasing a lot of the things

812
00:39:56,040 --> 00:39:58,440
Speaker 1: for the new condo on my AMX car so I

813
00:39:58,440 --> 00:40:00,759
Speaker 1: can get the points. So but when I'm when I

814
00:40:00,800 --> 00:40:03,320
Speaker 1: go to pay the AMEX card, I use the money

815
00:40:03,400 --> 00:40:05,839
Speaker 1: for the savings bucket for that you know form because

816
00:40:05,840 --> 00:40:09,160
Speaker 1: I'm only currently using the MX card for renovations, you know,

817
00:40:09,239 --> 00:40:11,520
Speaker 1: But I like to put it there so I can see, like,

818
00:40:12,120 --> 00:40:14,520
Speaker 1: you're getting dangerously close. You sure you want to buy that?

819
00:40:14,600 --> 00:40:17,520
Speaker 1: You know, that scance for four hundred dollars. Girl, you

820
00:40:17,520 --> 00:40:19,560
Speaker 1: tried it, Go ahead and get you that, you know,

821
00:40:20,120 --> 00:40:21,440
Speaker 1: because you want to, Because in my mind, I'm like,

822
00:40:21,480 --> 00:40:23,920
Speaker 1: I still got to get my cash, so I'm it

823
00:40:23,920 --> 00:40:26,080
Speaker 1: gives me a visual reminder of where am I in

824
00:40:26,080 --> 00:40:28,520
Speaker 1: the scope of how close I am to reaching budget.

825
00:40:28,560 --> 00:40:30,360
Speaker 1: So what I would say is like, if you're a

826
00:40:30,400 --> 00:40:32,800
Speaker 1: cash person, which I know like nobody is now, certainly

827
00:40:32,840 --> 00:40:34,279
Speaker 1: you could put it out in cash and be very

828
00:40:34,280 --> 00:40:36,799
Speaker 1: old school and an envelope or putting it in a

829
00:40:36,800 --> 00:40:40,400
Speaker 1: specific bucket like a savings bucket, so as you're spending,

830
00:40:40,440 --> 00:40:42,120
Speaker 1: you can see the money go down and if you're

831
00:40:42,120 --> 00:40:45,240
Speaker 1: responsible enough, you can still use whatever card that you want,

832
00:40:45,480 --> 00:40:47,839
Speaker 1: but then paying it literally that day, so that way

833
00:40:47,880 --> 00:40:50,400
Speaker 1: you're like, I'm setting aside this amount of money to

834
00:40:50,440 --> 00:40:52,720
Speaker 1: pay for things for the kids, and as the money

835
00:40:52,719 --> 00:40:54,920
Speaker 1: goes down, I know I'm almost done. Like did I

836
00:40:54,920 --> 00:40:57,279
Speaker 1: get everything I needed? Did I overdo it am I here.

837
00:40:57,520 --> 00:40:59,040
Speaker 1: So that's one of the ways that I like to

838
00:40:59,320 --> 00:41:01,960
Speaker 1: set aside. Another way too, is that like literally being

839
00:41:02,080 --> 00:41:05,040
Speaker 1: like Santa, you make it look listed, check it twice.

840
00:41:05,160 --> 00:41:05,279
Speaker 2: You know.

841
00:41:05,320 --> 00:41:07,120
Speaker 1: I'm a spreadsheet girl, so I like to list everyone

842
00:41:07,200 --> 00:41:10,160
Speaker 1: in buying gifts for I'll look online and I'm just like,

843
00:41:10,239 --> 00:41:13,520
Speaker 1: who what what am I thinking? How much it's costs?

844
00:41:13,840 --> 00:41:15,680
Speaker 1: And I have what the amount of money that I

845
00:41:15,680 --> 00:41:18,920
Speaker 1: want to spend in total for the holiday season, And

846
00:41:19,280 --> 00:41:21,839
Speaker 1: I create the spreadsheet so it can literally do the

847
00:41:21,840 --> 00:41:24,600
Speaker 1: math of like subtracting from what's left over. So now

848
00:41:24,600 --> 00:41:26,400
Speaker 1: I'm juggling like, well, I'm not going to get lista this.

849
00:41:26,480 --> 00:41:27,840
Speaker 1: I'll get her that because I want to get the

850
00:41:27,880 --> 00:41:30,080
Speaker 1: kids this, but not that, so I can look at

851
00:41:30,080 --> 00:41:31,800
Speaker 1: the math. So let's just say I'm sitting aside, I

852
00:41:31,800 --> 00:41:33,960
Speaker 1: don't know two thousand dollars to spend for the holiday season,

853
00:41:34,480 --> 00:41:36,759
Speaker 1: so I'm not you know, I'm not going to get

854
00:41:36,760 --> 00:41:39,279
Speaker 1: my sister some five hundred dollars boots because that's going

855
00:41:39,320 --> 00:41:41,000
Speaker 1: to take up too much of the budget. And so

856
00:41:41,080 --> 00:41:42,560
Speaker 1: I like to put it in a spreadsheet so I

857
00:41:42,560 --> 00:41:46,400
Speaker 1: can see and then I go online and it allows

858
00:41:46,440 --> 00:41:49,040
Speaker 1: me to to not be in store where I'm going

859
00:41:49,080 --> 00:41:51,320
Speaker 1: to be hyper stimulated to buy all the things I

860
00:41:51,600 --> 00:41:54,360
Speaker 1: can look to see what things I can buy within

861
00:41:54,400 --> 00:41:56,640
Speaker 1: that budget, you know, And I put the link in

862
00:41:56,680 --> 00:41:58,360
Speaker 1: the spreadsheet too, so when I'm ready to be like,

863
00:41:58,400 --> 00:42:00,919
Speaker 1: all right, let's sit down and buy these, the link

864
00:42:01,040 --> 00:42:03,839
Speaker 1: is there. I know how much it's everything is all

865
00:42:03,920 --> 00:42:07,120
Speaker 1: right here for me to make decisions. And lastly, you

866
00:42:07,160 --> 00:42:09,759
Speaker 1: know whoever you like to buy things from, follow them

867
00:42:09,760 --> 00:42:13,520
Speaker 1: on social media sometimes and often not even sometimes almost

868
00:42:13,600 --> 00:42:17,080
Speaker 1: everyone who will give, especially during the holiday season, sometimes

869
00:42:17,080 --> 00:42:22,200
Speaker 1: they'll do like a a social media only coupon code

870
00:42:22,800 --> 00:42:25,839
Speaker 1: or savings link or whatever. And so once I kind

871
00:42:25,840 --> 00:42:28,000
Speaker 1: of get clear of who I'm buying for, I'm the queen.

872
00:42:28,000 --> 00:42:29,880
Speaker 1: When I'm like, all right, I know what I'm getting,

873
00:42:29,880 --> 00:42:32,000
Speaker 1: I know who I'm buying for. Now, I'm like, but

874
00:42:32,120 --> 00:42:34,880
Speaker 1: we're not paying I'm my mother's shop were paying a price.

875
00:42:35,600 --> 00:42:40,200
Speaker 1: So I mean, I call it like it's racketing, but

876
00:42:40,400 --> 00:42:45,239
Speaker 1: always did love but it used to be ebates right

877
00:42:45,320 --> 00:42:51,520
Speaker 1: now go backwards, but it's so amazing it is. Racoon

878
00:42:51,640 --> 00:42:54,239
Speaker 1: is your best friend. Also Capital one I think has one,

879
00:42:54,600 --> 00:42:57,319
Speaker 1: so like I look at racketin to get cash back,

880
00:42:57,520 --> 00:43:01,360
Speaker 1: and also they have coupons, like I think Honey sometimes

881
00:43:01,400 --> 00:43:04,520
Speaker 1: will still have coupons. I think it's one called Peggy Bag.

882
00:43:04,719 --> 00:43:07,200
Speaker 2: But Rakuton doesn't. Even it's not the coupons that I like,

883
00:43:07,280 --> 00:43:09,719
Speaker 2: it's the cash back. It's the cash back, yes, but

884
00:43:09,760 --> 00:43:13,080
Speaker 2: it's also they will alert me because for example, I

885
00:43:13,120 --> 00:43:16,640
Speaker 2: have been furnishing this play area with like shelves and stuff,

886
00:43:16,680 --> 00:43:20,719
Speaker 2: and they found me the shelves for like forty bucks

887
00:43:20,920 --> 00:43:23,160
Speaker 2: less from a site that I normally wouldn't have shoppedj

888
00:43:23,200 --> 00:43:25,960
Speaker 2: at what was it? I forget? Anyway, I love my

889
00:43:26,000 --> 00:43:27,080
Speaker 2: little recute you.

890
00:43:27,040 --> 00:43:31,560
Speaker 1: Say sputations, so doing those things. And then lastly, there

891
00:43:31,640 --> 00:43:35,440
Speaker 1: are people on social media. I've never used coupons on

892
00:43:35,480 --> 00:43:39,160
Speaker 1: Amazon before, but there's a lady on social media that

893
00:43:39,200 --> 00:43:42,000
Speaker 1: I follow that like maybe like like look of hashtag

894
00:43:42,040 --> 00:43:45,520
Speaker 1: Amazon coupons where she will show so like for example,

895
00:43:45,520 --> 00:43:49,359
Speaker 1: I love like my dyce in like vacuum cleaner. She

896
00:43:49,400 --> 00:43:51,000
Speaker 1: had a coupon for the one that I bought full

897
00:43:51,040 --> 00:43:52,960
Speaker 1: price or maybe I get I got it on a

898
00:43:52,960 --> 00:43:54,840
Speaker 1: Black you know, Black Friday, I think, but so not

899
00:43:54,920 --> 00:43:57,160
Speaker 1: fully full price, but still she had a coupon for

900
00:43:57,280 --> 00:43:59,239
Speaker 1: like fifty percent off and I was like, this can't

901
00:43:59,239 --> 00:44:01,360
Speaker 1: be real. So I went to Amazon, I put it in.

902
00:44:01,440 --> 00:44:05,080
Speaker 1: I was like, wait, what witchcraft is this? So yeah,

903
00:44:05,120 --> 00:44:07,239
Speaker 1: so there are these I don't know how they find

904
00:44:07,280 --> 00:44:11,120
Speaker 1: the coupon's girl, I don't know, but she is sharing

905
00:44:11,120 --> 00:44:12,600
Speaker 1: it freely. So there are a.

906
00:44:12,600 --> 00:44:13,960
Speaker 2: Bunch of people.

907
00:44:14,239 --> 00:44:18,319
Speaker 1: So what I would suggest is myself the back of

908
00:44:18,320 --> 00:44:22,200
Speaker 1: the internet. Not but they're real, you know, you put

909
00:44:22,200 --> 00:44:26,120
Speaker 1: them into it rhy, you know, So I would just

910
00:44:26,160 --> 00:44:29,560
Speaker 1: say that, like, especially during this time of year, look

911
00:44:29,600 --> 00:44:31,839
Speaker 1: for creators if this is what they do. You know,

912
00:44:31,960 --> 00:44:34,080
Speaker 1: like she's really awesome. She will just literally share a

913
00:44:34,120 --> 00:44:37,440
Speaker 1: bunch of coupon codes for specific things, and I love it.

914
00:44:37,480 --> 00:44:39,560
Speaker 1: I'm like, oh, this is so awesome. And so like,

915
00:44:39,680 --> 00:44:42,800
Speaker 1: you know, I like to look for creators based upon hashtags,

916
00:44:42,840 --> 00:44:45,360
Speaker 1: you know, like they still work like hashtag Amazon coupon,

917
00:44:45,440 --> 00:44:49,200
Speaker 1: hashtag whatever. So yeah, creators that share, especially creators that

918
00:44:49,239 --> 00:44:52,640
Speaker 1: share coupons who are in a similar space. So she

919
00:44:52,960 --> 00:44:54,759
Speaker 1: if she's you want to like, if you're a mom

920
00:44:55,120 --> 00:44:58,400
Speaker 1: a mommy coupon er, if you're renovating a renovating kind

921
00:44:58,400 --> 00:45:00,279
Speaker 1: of coupon, you know what I mean, because going to

922
00:45:00,320 --> 00:45:01,680
Speaker 1: share things that are going to be developing to you.

923
00:45:01,719 --> 00:45:03,960
Speaker 1: So those are the ways that I would say say this,

924
00:45:05,000 --> 00:45:08,560
Speaker 1: uh this holiday season, like lean into those couponts, make

925
00:45:08,600 --> 00:45:13,080
Speaker 1: your list pre pre you have the pre game like

926
00:45:13,200 --> 00:45:14,480
Speaker 1: Klee is gonna go.

927
00:45:14,719 --> 00:45:17,600
Speaker 2: You really do which when you don't, it becomes really easy.

928
00:45:17,640 --> 00:45:19,800
Speaker 2: I mean I had like four cards going yesterday and

929
00:45:19,840 --> 00:45:22,319
Speaker 2: different I forgot which browser they were in because like

930
00:45:22,360 --> 00:45:24,160
Speaker 2: I'm like, oh, I like that brand and they have

931
00:45:24,320 --> 00:45:26,960
Speaker 2: cute stuff there, and it almost when you have kids,

932
00:45:26,960 --> 00:45:30,200
Speaker 2: it almost feels like it's for the kids, you know

933
00:45:30,239 --> 00:45:30,480
Speaker 2: what I mean?

934
00:45:30,520 --> 00:45:33,320
Speaker 1: Look like this one was time you could you could,

935
00:45:33,320 --> 00:45:34,680
Speaker 1: you could give me a box that I'd be out

936
00:45:34,719 --> 00:45:35,480
Speaker 1: here playing with it.

937
00:45:36,560 --> 00:45:38,640
Speaker 2: Oh no, no, rio no, he has expensive tastes.

938
00:45:38,840 --> 00:45:40,839
Speaker 1: Excuse me, one of these kings.

939
00:45:40,560 --> 00:45:43,399
Speaker 2: Turning forward, Tiff. He's got opinions and he knows which

940
00:45:43,440 --> 00:45:45,360
Speaker 2: toys are cheap and which ones are quality.

941
00:45:45,719 --> 00:45:48,400
Speaker 1: There runs okay, no more. I remember the days the

942
00:45:48,480 --> 00:45:49,880
Speaker 1: kids that Romana Milion.

943
00:45:49,800 --> 00:45:52,360
Speaker 2: Was like, we don't want to go. You want to

944
00:45:52,400 --> 00:45:56,799
Speaker 2: go to Target? Yes, and not just Target. Now it's

945
00:45:56,840 --> 00:45:59,879
Speaker 2: CBS because they have toy cars. Yeah, husband is trying

946
00:45:59,880 --> 00:46:01,879
Speaker 2: to heal his and her child by only getting them.

947
00:46:01,880 --> 00:46:07,400
Speaker 2: But the cremetella. Come oh my love cars and shit anyway. Yeah,

948
00:46:07,440 --> 00:46:09,200
Speaker 2: but I will say my one thing that I am

949
00:46:09,200 --> 00:46:10,839
Speaker 2: glad I did is I started a I did a

950
00:46:10,840 --> 00:46:13,520
Speaker 2: registry because that's the only name for it. I did

951
00:46:13,560 --> 00:46:15,799
Speaker 2: a target registry for the boys so that I could

952
00:46:15,920 --> 00:46:18,600
Speaker 2: choose what went on it because my family tries it

953
00:46:18,640 --> 00:46:19,160
Speaker 2: every year.

954
00:46:19,520 --> 00:46:22,360
Speaker 1: I love that, you know, that's really smart. My sister

955
00:46:22,440 --> 00:46:24,439
Speaker 1: usually does do like Carol will do like a thing

956
00:46:24,760 --> 00:46:26,520
Speaker 1: because I'm like, I don't want to guess because she

957
00:46:26,520 --> 00:46:28,520
Speaker 1: has the kids pick out whatever, and it's hilarious because

958
00:46:28,520 --> 00:46:30,839
Speaker 1: it'll be like, you know, like toys, and it'll also

959
00:46:30,880 --> 00:46:33,880
Speaker 1: be like socks, lunchbox. I'm like, I feel like this

960
00:46:33,960 --> 00:46:34,760
Speaker 1: is a mommy register.

961
00:46:34,880 --> 00:46:37,880
Speaker 2: She's like, whatever, girl, just get and people avoid the

962
00:46:37,960 --> 00:46:42,080
Speaker 2: nice practical things. It's really annoying because it would.

963
00:46:41,840 --> 00:46:45,640
Speaker 1: Be like socks, I didn't add that on here. She's like,

964
00:46:45,640 --> 00:46:49,400
Speaker 1: don't worry, I'm trying to get something done. But you

965
00:46:49,440 --> 00:46:51,040
Speaker 1: know you could also do too. This is that's actually

966
00:46:51,080 --> 00:46:55,200
Speaker 1: has been really helpful for purchasing furniture for the new place.

967
00:46:55,719 --> 00:46:59,239
Speaker 1: Is that my designer. She will screenshot the furniture and

968
00:46:59,280 --> 00:47:03,120
Speaker 1: then do a Google image to look up because all

969
00:47:03,160 --> 00:47:07,439
Speaker 1: these places, all my classes, what many like. I bought

970
00:47:07,440 --> 00:47:10,720
Speaker 1: a back from Vanity and it was originally I really

971
00:47:10,760 --> 00:47:13,160
Speaker 1: loved it. Originally it was twenty three hundred dollars. No, no,

972
00:47:13,480 --> 00:47:15,640
Speaker 1: it was more than that. It was like over three

973
00:47:15,680 --> 00:47:17,799
Speaker 1: thousand dollars. I'm like, I'm not paying that. And so

974
00:47:17,880 --> 00:47:23,040
Speaker 1: we did a Google look up and found in someplace else,

975
00:47:23,120 --> 00:47:24,719
Speaker 1: like I don't know, bed back, some place I didn't

976
00:47:24,719 --> 00:47:25,160
Speaker 1: even know they.

977
00:47:25,080 --> 00:47:27,920
Speaker 2: Sold Vanity allmodern dot com yeah or whatever.

978
00:47:27,960 --> 00:47:31,239
Speaker 1: We found it for fifteen hundred dollars half off, so

979
00:47:31,280 --> 00:47:34,360
Speaker 1: the same Vanity really beautiful, and I was like and

980
00:47:34,400 --> 00:47:36,520
Speaker 1: so like, so it's just even searching for certain things,

981
00:47:36,560 --> 00:47:38,279
Speaker 1: don't be afraid to do a Google look up to

982
00:47:38,320 --> 00:47:42,200
Speaker 1: see because they're all ordering from the same like manufacturer,

983
00:47:42,239 --> 00:47:45,080
Speaker 1: and then they're putting based upon whatever their brand equity is,

984
00:47:45,120 --> 00:47:48,239
Speaker 1: whatever their brand name is, putting like slapping, you know,

985
00:47:48,320 --> 00:47:50,839
Speaker 1: they're like, well it's from here, so it's more money.

986
00:47:50,920 --> 00:47:54,960
Speaker 1: So that Google photo lookup is everything. Honestly, I love

987
00:47:55,040 --> 00:47:55,680
Speaker 1: Google lens.

988
00:47:55,719 --> 00:47:58,239
Speaker 2: Nothing is safe. Now, I'll we'll figure out where you

989
00:47:58,320 --> 00:48:03,200
Speaker 2: got everything. Oh well, you guys can check out made

990
00:48:03,239 --> 00:48:06,200
Speaker 2: Whole get the book. It's on sale. Yesterday, so you're

991
00:48:06,239 --> 00:48:09,200
Speaker 2: late if you haven't gotten me yet. Maid Whole workbook

992
00:48:09,400 --> 00:48:14,200
Speaker 2: dot Com, congratulations to thank you. Another bestseller in the making.

993
00:48:15,000 --> 00:48:17,480
Speaker 1: Well, workbooks don't make the New York Times Bestsellers list.

994
00:48:17,400 --> 00:48:19,839
Speaker 2: But still there's other bestsellers.

995
00:48:20,040 --> 00:48:23,440
Speaker 1: Yeah, we're please. Came about all that. Now, just go

996
00:48:23,440 --> 00:48:26,040
Speaker 1: ahead and get your get your work. Like you know,

997
00:48:26,040 --> 00:48:27,640
Speaker 1: we don't get you on a New York Times bestseller,

998
00:48:27,680 --> 00:48:29,920
Speaker 1: but I already got mine, Chop, I never get another one.

999
00:48:29,920 --> 00:48:32,759
Speaker 1: They still have to call.

1000
00:48:30,800 --> 00:48:38,200
Speaker 2: Me chapter one one stuff at a time. Manitor said

1001
00:48:38,239 --> 00:48:40,880
Speaker 2: she liked it, and I cried, do that talk more times?

1002
00:48:40,920 --> 00:48:42,960
Speaker 1: Guys. I can't wait to read it.

1003
00:48:43,760 --> 00:48:45,960
Speaker 2: All right, let's take a quick break and we'll come

1004
00:48:46,040 --> 00:48:50,400
Speaker 2: right back for a little Thanksgiving booster break.

1005
00:48:49,000 --> 00:48:58,799
Speaker 1: Yes, and we're back, and we're black to boost or

1006
00:48:59,000 --> 00:49:03,080
Speaker 1: break and now it's time to boost up, break up,

1007
00:49:03,120 --> 00:49:06,240
Speaker 1: boost up, break up, boost up, break up? Boo boo?

1008
00:49:07,360 --> 00:49:11,200
Speaker 1: Is you gonna break? What you're gonna do, what you're

1009
00:49:11,200 --> 00:49:14,279
Speaker 1: gonna take? Sidebar. The girl said, we love when you

1010
00:49:14,280 --> 00:49:15,680
Speaker 1: sing on the show. I was like, I sing on

1011
00:49:15,719 --> 00:49:17,520
Speaker 1: the show, and I'm like, oh, that's would too.

1012
00:49:19,600 --> 00:49:21,319
Speaker 2: My nightmare is when you're gone and I have to

1013
00:49:21,360 --> 00:49:24,719
Speaker 2: sing like you guys don't really want this for me?

1014
00:49:25,080 --> 00:49:28,840
Speaker 2: Do like like it is time to boost to break,

1015
00:49:29,400 --> 00:49:31,319
Speaker 2: ladies and gentlemen, do.

1016
00:49:31,320 --> 00:49:32,800
Speaker 1: You want to go first? So do you want to boot?

1017
00:49:33,320 --> 00:49:36,920
Speaker 2: I'll do first. So I wanted to boost. I actually

1018
00:49:37,160 --> 00:49:40,760
Speaker 2: thought of this because I'm trying to We just talked

1019
00:49:40,760 --> 00:49:44,440
Speaker 2: about the holidays and how I'm finding myself very tempted

1020
00:49:44,480 --> 00:49:47,200
Speaker 2: to buy a lot for the kids. But one of

1021
00:49:47,239 --> 00:49:49,719
Speaker 2: my neighbors put me on to this Facebook group called

1022
00:49:49,719 --> 00:49:53,239
Speaker 2: the buy Nothing Uh and insert your town's name or

1023
00:49:53,280 --> 00:49:56,879
Speaker 2: your city's name. They're very specific to your city, and

1024
00:49:57,000 --> 00:50:00,920
Speaker 2: it's such a treasure trove. It's like, you know, hundreds

1025
00:50:00,920 --> 00:50:03,080
Speaker 2: of people are in are in our buy nothing group

1026
00:50:03,120 --> 00:50:05,239
Speaker 2: on Facebook, and you can post things like I just

1027
00:50:05,600 --> 00:50:08,000
Speaker 2: I'm in the basement. So I posted some flooring that

1028
00:50:08,040 --> 00:50:11,319
Speaker 2: we never used. Someone's already scooped it up. And then

1029
00:50:11,480 --> 00:50:14,840
Speaker 2: the thing that I was looking for for for remy

1030
00:50:15,680 --> 00:50:18,359
Speaker 2: I put an in search of and someone's like, yes,

1031
00:50:18,440 --> 00:50:19,240
Speaker 2: let me go at the basement.

1032
00:50:19,239 --> 00:50:20,160
Speaker 1: I'm gonna look one up.

1033
00:50:20,239 --> 00:50:23,279
Speaker 2: So if you're especially if you're someone with kids, or

1034
00:50:23,320 --> 00:50:26,320
Speaker 2: you're you know, even if you're like renovating or flipping something,

1035
00:50:26,760 --> 00:50:30,799
Speaker 2: the buy nothing groups on Facebook are clutch because it's

1036
00:50:30,800 --> 00:50:34,359
Speaker 2: all about like the recycle economy and not having to

1037
00:50:34,360 --> 00:50:38,160
Speaker 2: buy brand new things. Even if you can afford nice things,

1038
00:50:38,200 --> 00:50:41,400
Speaker 2: why not just like you know, give give something to

1039
00:50:41,520 --> 00:50:46,000
Speaker 2: a new home, give it a new lease on life.

1040
00:50:46,160 --> 00:50:49,319
Speaker 2: So buy nothing on Facebook. Go check them out.

1041
00:50:49,719 --> 00:50:51,880
Speaker 1: I'm like looking up. Now, is it bad if you

1042
00:50:51,920 --> 00:50:54,359
Speaker 1: try to, like, you know, buy nothing from a from

1043
00:50:54,400 --> 00:50:56,479
Speaker 1: a neighboring wealthy down?

1044
00:50:56,920 --> 00:50:59,680
Speaker 2: Wow, this is the thing. They when I went to

1045
00:50:59,719 --> 00:51:02,240
Speaker 2: sign up because I wasn't a buy nothing for my city.

1046
00:51:02,600 --> 00:51:04,319
Speaker 2: But then I went to check it and it was like, oh,

1047
00:51:04,360 --> 00:51:06,440
Speaker 2: we've just we've closed this group. Now there's a buy

1048
00:51:06,520 --> 00:51:08,719
Speaker 2: nothing for your town. And when I when I, they

1049
00:51:08,760 --> 00:51:12,439
Speaker 2: ask you questions like what's your cross street? And can

1050
00:51:12,520 --> 00:51:14,759
Speaker 2: you promise that you're not you don't You're in no

1051
00:51:14,880 --> 00:51:16,920
Speaker 2: other buy nothing groups. We want to keep it all

1052
00:51:16,920 --> 00:51:19,080
Speaker 2: in this group, so they don't want to see that

1053
00:51:19,160 --> 00:51:21,640
Speaker 2: you're in other buy nothing groups in different places. To

1054
00:51:21,680 --> 00:51:24,080
Speaker 2: your point about like where the rich area codes are

1055
00:51:24,080 --> 00:51:24,560
Speaker 2: and stuff.

1056
00:51:25,120 --> 00:51:32,080
Speaker 1: Yeah, no, I don't know if I'm able to see

1057
00:51:32,080 --> 00:51:33,560
Speaker 1: what town you live in. Let me just go ahead

1058
00:51:33,560 --> 00:51:36,640
Speaker 1: and on cancel that request. Yeah, because the town that

1059
00:51:36,680 --> 00:51:40,120
Speaker 1: I haven't. You know, I'm not the racist. No, it's

1060
00:51:40,120 --> 00:51:40,600
Speaker 1: not racist.

1061
00:51:40,600 --> 00:51:42,360
Speaker 2: I didn't say I can see what town you live in.

1062
00:51:42,760 --> 00:51:44,600
Speaker 1: Yeah, I was like. I was like, it's like we

1063
00:51:44,680 --> 00:51:47,080
Speaker 1: have to cancel requests because we're able to if I'm

1064
00:51:47,120 --> 00:51:48,440
Speaker 1: not able to see what town you live in and

1065
00:51:48,480 --> 00:51:50,640
Speaker 1: you know my town is on my thing, and I'm like, yeah,

1066
00:51:51,120 --> 00:51:52,680
Speaker 1: I mean I can understand now because you can't be

1067
00:51:52,719 --> 00:51:53,319
Speaker 1: over here, like.

1068
00:51:53,920 --> 00:51:55,799
Speaker 2: I haven't even given a new work a chance yet

1069
00:51:55,800 --> 00:51:57,920
Speaker 2: to go on. Now stop.

1070
00:51:58,000 --> 00:51:59,640
Speaker 1: I love my city, but I don't know.

1071
00:52:01,040 --> 00:52:02,680
Speaker 2: Yeah, what do you think I'm gonna find? Now? I

1072
00:52:02,719 --> 00:52:04,720
Speaker 2: want to know what is on the buy nothing in Newark?

1073
00:52:04,760 --> 00:52:08,520
Speaker 1: Go yeah, buy nothing? I mean I don't even know.

1074
00:52:09,120 --> 00:52:13,000
Speaker 1: You never know, You're right. I feel like, does even Newark,

1075
00:52:13,040 --> 00:52:19,960
Speaker 1: New Jersey have a buy nothing? Yell buy nothing Newark? Okay?

1076
00:52:20,200 --> 00:52:22,200
Speaker 1: I mean it's just, oh, here's the thing, though there's

1077
00:52:23,480 --> 00:52:31,040
Speaker 1: multiple there's newer Work, Delaware, responsible Newark buy nothing. Let

1078
00:52:31,120 --> 00:52:33,760
Speaker 1: me see. I wonder if this is the right to Newark.

1079
00:52:37,560 --> 00:52:40,200
Speaker 1: I don't know, buy nothing Newark? Okay? Well, I have the.

1080
00:52:40,239 --> 00:52:43,080
Speaker 2: Jersey City buy nothing downtown Jersey City.

1081
00:52:43,400 --> 00:52:45,239
Speaker 1: Yeah, but I'm not you know, I don't I don't

1082
00:52:45,239 --> 00:52:47,560
Speaker 1: know if they're gonna accept me, but anyway, I'm gonna

1083
00:52:47,560 --> 00:52:50,560
Speaker 1: se because I like that idea, you know. So my

1084
00:52:50,560 --> 00:52:52,920
Speaker 1: boost is super easy, breezy because I'm like, I'm not

1085
00:52:52,920 --> 00:52:55,320
Speaker 1: gonna do a break child. It's right before the thanks

1086
00:52:55,320 --> 00:52:59,759
Speaker 1: of the Giving, and so my boost is I'm just

1087
00:52:59,800 --> 00:53:02,040
Speaker 1: so glad that I have been able to convince my

1088
00:53:02,160 --> 00:53:06,239
Speaker 1: very traditional African mama that it is okay to order

1089
00:53:06,560 --> 00:53:08,400
Speaker 1: all the Thanksgiving food so she doesn't have to be

1090
00:53:08,400 --> 00:53:12,080
Speaker 1: stressed out, you know, like I love that for her.

1091
00:53:12,160 --> 00:53:14,080
Speaker 1: My mom is in my hey, Sylvia, I know you

1092
00:53:14,080 --> 00:53:16,520
Speaker 1: don't listen because girl, you wouldn't even know how, but

1093
00:53:17,280 --> 00:53:19,399
Speaker 1: she is in her soft g era and I love

1094
00:53:19,480 --> 00:53:23,000
Speaker 1: that for her, Like she worked so hard for so

1095
00:53:23,120 --> 00:53:25,120
Speaker 1: long as a nurse, which was really like a lot

1096
00:53:25,160 --> 00:53:27,200
Speaker 1: on your body, you're always on your feet, and then

1097
00:53:27,280 --> 00:53:29,839
Speaker 1: raising five girls doing our handmade so we were cute

1098
00:53:29,840 --> 00:53:31,839
Speaker 1: taking us to church, you know, not that my dad

1099
00:53:31,840 --> 00:53:34,080
Speaker 1: didn't participate, but you know, moms end up being typically

1100
00:53:34,160 --> 00:53:37,799
Speaker 1: the primary, you know, of child rear, although my dad

1101
00:53:37,880 --> 00:53:40,680
Speaker 1: was really active too, but you know, a lot of

1102
00:53:40,680 --> 00:53:44,920
Speaker 1: it fell on her, especially were all girls, and she

1103
00:53:45,040 --> 00:53:47,320
Speaker 1: did a lot of sacrificing I mean she literally didn't

1104
00:53:47,320 --> 00:53:50,000
Speaker 1: stop working nights until Lisa was in college because she

1105
00:53:50,080 --> 00:53:51,560
Speaker 1: wanted to be home during the day in case we

1106
00:53:51,600 --> 00:53:54,440
Speaker 1: needed her, and then totally messed up her sleep pattern.

1107
00:53:55,000 --> 00:53:56,600
Speaker 1: You know, to this day, she has a hard time

1108
00:53:56,640 --> 00:53:58,680
Speaker 1: sleeping through the night because her body is like, no, girl,

1109
00:53:58,719 --> 00:54:01,520
Speaker 1: that's when we work, you know. And so I just

1110
00:54:01,560 --> 00:54:03,160
Speaker 1: think about all that. So when I was able to

1111
00:54:03,160 --> 00:54:07,440
Speaker 1: pay off the house for them, maybe like five six

1112
00:54:07,560 --> 00:54:09,920
Speaker 1: years ago, I was able to do so, you know,

1113
00:54:10,520 --> 00:54:13,160
Speaker 1: and being able to send them money every month, I

1114
00:54:13,200 --> 00:54:15,359
Speaker 1: send my dad a mom like separate checks as per

1115
00:54:15,520 --> 00:54:18,600
Speaker 1: their request. Really, I was like, why don't I just

1116
00:54:18,600 --> 00:54:20,440
Speaker 1: do My mom was like, no, I want my send

1117
00:54:20,520 --> 00:54:23,160
Speaker 1: me a check separately. I'm like a check, you know what,

1118
00:54:23,239 --> 00:54:28,640
Speaker 1: I forget? So I send them. I mean, you know,

1119
00:54:28,719 --> 00:54:31,160
Speaker 1: but I love the fact that like that money is like,

1120
00:54:31,200 --> 00:54:33,279
Speaker 1: you know, the bills already paid, So that money is

1121
00:54:33,320 --> 00:54:35,200
Speaker 1: just money for her to just enjoy and my dad

1122
00:54:35,239 --> 00:54:38,120
Speaker 1: to do whatever he wants to do with it. And

1123
00:54:38,160 --> 00:54:40,719
Speaker 1: so it took her years of me sending her that

1124
00:54:40,800 --> 00:54:43,520
Speaker 1: money before she realized she could kind of spend it,

1125
00:54:44,080 --> 00:54:46,960
Speaker 1: because you know, you know, as a as a mom, manny,

1126
00:54:47,000 --> 00:54:51,000
Speaker 1: how much you just like innately, you know, you're sacrificing.

1127
00:54:51,560 --> 00:54:53,560
Speaker 1: So she didn't even know when there was nobody to

1128
00:54:53,600 --> 00:54:56,520
Speaker 1: sacrifice for how not to squirrel it away because she'd

1129
00:54:56,560 --> 00:54:59,360
Speaker 1: be like, I'm saving it. I'm like for what Since

1130
00:54:59,360 --> 00:55:00,480
Speaker 1: we're here now, She's.

1131
00:55:00,360 --> 00:55:02,000
Speaker 2: Like, maybe you'll need it one day. I'll save it

1132
00:55:02,040 --> 00:55:04,759
Speaker 2: for you. She was saying, literally believe it.

1133
00:55:04,800 --> 00:55:06,640
Speaker 1: And I was like, oh, mommy, no ho. She was

1134
00:55:06,640 --> 00:55:07,920
Speaker 1: like yeah, but what if Lisa, And I'm like, well,

1135
00:55:07,960 --> 00:55:10,120
Speaker 1: then I will will take care of that when it comes.

1136
00:55:10,640 --> 00:55:12,320
Speaker 1: Like this is supposed to be for you to just say,

1137
00:55:12,400 --> 00:55:14,360
Speaker 1: oh I like that dress, or you know what, I

1138
00:55:14,360 --> 00:55:16,480
Speaker 1: do want to get my nails done. It took her

1139
00:55:16,520 --> 00:55:19,399
Speaker 1: almost two years to give herself something nice. And now

1140
00:55:19,440 --> 00:55:22,040
Speaker 1: I don't unleash the beast because I turned around. You

1141
00:55:22,080 --> 00:55:27,000
Speaker 1: know how much this dress cost. It was his fancy,

1142
00:55:27,360 --> 00:55:28,799
Speaker 1: you know, and I just love that. I was like,

1143
00:55:28,840 --> 00:55:31,160
Speaker 1: look at Mommy, her soft girl. Error. She's just like,

1144
00:55:31,520 --> 00:55:34,239
Speaker 1: you know, I get my hair done, I buy my dresses.

1145
00:55:34,800 --> 00:55:38,080
Speaker 1: Everything is okay, she said. I just I'm enjoying life,

1146
00:55:38,640 --> 00:55:42,600
Speaker 1: you know. And and finally the last frontier was Thanksgiving,

1147
00:55:42,600 --> 00:55:44,319
Speaker 1: because you know that's stressful for the mamas. You know

1148
00:55:44,360 --> 00:55:46,920
Speaker 1: for those who cook, and so I remember it was

1149
00:55:46,960 --> 00:55:49,160
Speaker 1: maybe like the first time we got something made for

1150
00:55:49,200 --> 00:55:51,960
Speaker 1: Thanksgiving was maybe like three or four years ago. It

1151
00:55:52,040 --> 00:55:53,840
Speaker 1: was like she was like, I really don't want to

1152
00:55:53,840 --> 00:55:55,640
Speaker 1: make the turkey this year. And so Vonda was doing

1153
00:55:55,640 --> 00:55:58,480
Speaker 1: her famous fried turkey. And so my friend Vonda, who

1154
00:55:58,520 --> 00:56:01,400
Speaker 1: did my she did my all, my wedding anniversary, she

1155
00:56:01,440 --> 00:56:03,920
Speaker 1: did my wedding, she did my fortieth birthdays. And Vonda

1156
00:56:03,960 --> 00:56:06,880
Speaker 1: is a good friend who makes amazing food. And so

1157
00:56:06,920 --> 00:56:09,280
Speaker 1: I was like, okay, I'll see if someone makes turkeys,

1158
00:56:09,320 --> 00:56:11,640
Speaker 1: and Vonda did. So I picked up a turkey. And

1159
00:56:11,680 --> 00:56:14,360
Speaker 1: then the next year it was like, okay, turkey and

1160
00:56:14,400 --> 00:56:16,919
Speaker 1: maybe some sides, but she's still largely cooked my mom.

1161
00:56:17,200 --> 00:56:20,520
Speaker 1: And then like last year, it was all Vonda. And

1162
00:56:20,560 --> 00:56:22,600
Speaker 1: so this year my mom was like, so is that

1163
00:56:22,680 --> 00:56:25,320
Speaker 1: Vonda going to be Mickey. I'm like, oh, look at mommy,

1164
00:56:25,520 --> 00:56:27,680
Speaker 1: she is ready. And so I love that. So I

1165
00:56:27,719 --> 00:56:29,920
Speaker 1: called Vonda. She's making all the fixed things. I also

1166
00:56:29,960 --> 00:56:32,960
Speaker 1: added in Nisha, who's to cook for me and Jarell,

1167
00:56:33,680 --> 00:56:36,319
Speaker 1: because Nisia makes amazing turkey chops, which I don't really

1168
00:56:36,360 --> 00:56:40,640
Speaker 1: eat turkey, but like I think about pork chops. But

1169
00:56:40,719 --> 00:56:43,120
Speaker 1: I don't eat work and so, but like so made

1170
00:56:43,160 --> 00:56:46,799
Speaker 1: in a pork chop fashion. But turkey, they interests want

1171
00:56:46,800 --> 00:56:49,399
Speaker 1: to tell you made it so good because turkey. Usually

1172
00:56:49,400 --> 00:56:51,399
Speaker 1: I don't really like turkey, even on Thanksgiving. I find

1173
00:56:51,400 --> 00:56:53,480
Speaker 1: it to be kind of dry, even when it's done.

1174
00:56:53,320 --> 00:56:55,000
Speaker 2: Well, really advertizing word.

1175
00:56:55,360 --> 00:57:01,200
Speaker 1: No but turkey. Nissa's turkey chops gravy, the ooh salamon,

1176
00:57:01,640 --> 00:57:05,040
Speaker 1: and her corn bread. NIS's corn bread is top. Her

1177
00:57:05,080 --> 00:57:08,960
Speaker 1: corn bread is almost like buttercake. It is so delicious.

1178
00:57:08,960 --> 00:57:11,239
Speaker 1: So I asked you she can make corn bread and

1179
00:57:11,280 --> 00:57:12,960
Speaker 1: turkey chops, and then Vonda is going to make the

1180
00:57:12,960 --> 00:57:16,439
Speaker 1: rest of the thing. So literally, it was texting today

1181
00:57:16,440 --> 00:57:17,800
Speaker 1: it was like, what are we doing for Thanksgiving? I'm like,

1182
00:57:17,800 --> 00:57:20,840
Speaker 1: it's already done, just come. So I always have plates

1183
00:57:20,840 --> 00:57:23,920
Speaker 1: and cups and napkins. I just ordered those like food burners,

1184
00:57:23,960 --> 00:57:27,360
Speaker 1: sternal things that you put underneath the you know, the pants,

1185
00:57:27,440 --> 00:57:29,400
Speaker 1: make it keep it warm. So I love the fact

1186
00:57:29,400 --> 00:57:31,800
Speaker 1: that everyone's just gonna be able to come in enjoy.

1187
00:57:32,120 --> 00:57:35,160
Speaker 1: There's no stress for me either, because everything's here already.

1188
00:57:36,360 --> 00:57:38,360
Speaker 1: It's the house is already very kid friendly, so the

1189
00:57:38,400 --> 00:57:40,440
Speaker 1: kids can play. They're very comfortable, so it'd be a

1190
00:57:40,440 --> 00:57:45,000
Speaker 1: really nice, family, laid back Thanksgiving. So I that is

1191
00:57:45,040 --> 00:57:48,280
Speaker 1: my boost that you know that we are all kind

1192
00:57:48,280 --> 00:57:50,920
Speaker 1: of like in this soft girl error and that family

1193
00:57:50,960 --> 00:57:53,720
Speaker 1: traditions change and that can be positive too. And so

1194
00:57:54,400 --> 00:57:57,040
Speaker 1: you know, we wish that you you listen to this

1195
00:57:57,080 --> 00:57:59,959
Speaker 1: on Wednesday, So we hope that you have how whatever

1196
00:58:00,240 --> 00:58:02,280
Speaker 1: you celebrate, even if you don't celebrate Thanksgiving, we can

1197
00:58:02,360 --> 00:58:05,360
Speaker 1: understand why some people might not. Certainly I'm not celebrated

1198
00:58:05,520 --> 00:58:08,880
Speaker 1: celebrating the colonization of this country, but I am celebrating

1199
00:58:08,920 --> 00:58:10,760
Speaker 1: the fact that I get to spend time with my family.

1200
00:58:11,400 --> 00:58:14,120
Speaker 2: And yeah, for you brings home up color your own pilgrim,

1201
00:58:14,120 --> 00:58:15,800
Speaker 2: I'm gonna have to sit him down and have a talk.

1202
00:58:16,720 --> 00:58:20,960
Speaker 2: I'll start them early, I know, like, oh, my goodness,

1203
00:58:21,240 --> 00:58:29,520
Speaker 2: my little colonizer. He has a robot for a face.

1204
00:58:29,760 --> 00:58:31,000
Speaker 2: Oh let's talk.

1205
00:58:30,880 --> 00:58:35,160
Speaker 1: About my gosh. But yeah, so we just hope that

1206
00:58:35,200 --> 00:58:36,840
Speaker 1: you have an awesome time with your family. And if

1207
00:58:36,840 --> 00:58:38,680
Speaker 1: you can't have awes time with your family for whatever reason,

1208
00:58:38,720 --> 00:58:42,000
Speaker 1: we hope that you find somebody or somebody's to like

1209
00:58:42,040 --> 00:58:44,640
Speaker 1: spend time with. And you know that if you so wish.

1210
00:58:44,880 --> 00:58:48,240
Speaker 2: Yeah, well I'm thankful for you, NBA fan as ever,

1211
00:58:48,760 --> 00:58:52,640
Speaker 2: Thank y'all so much for all the support, all the love,

1212
00:58:53,160 --> 00:58:55,680
Speaker 2: and for I was always holding us down.

1213
00:58:56,160 --> 00:59:00,680
Speaker 1: Always another Turkey day in the books. I know. Well,

1214
00:59:00,680 --> 00:59:02,960
Speaker 1: we'll see you on Friday, though, Please don't play yourself

1215
00:59:02,960 --> 00:59:04,320
Speaker 1: after Thanksgiving. You gotta be bored.

1216
00:59:05,000 --> 00:59:11,360
Speaker 2: Listen to that Friday, I give it. Thank you, Okay,

1217
00:59:11,400 --> 00:59:11,960
Speaker 2: bye y'all.

1218
00:59:12,080 --> 00:59:16,160
Speaker 1: Bye,