Speaker 1: Hey, hey, hey, we're back. We're black. We're black. Ambition ambition, ambition, ambition, ambition,
Speaker 1: Shit my neck, man just in here with this yellow one,
Speaker 1: give me. That's what I said. So y'all didn't hear.
Speaker 1: But as soon as many came on, I said, okay,
Speaker 1: yellow you know that's that's black speak for like we
Speaker 1: see you look fabulous, you know.
Speaker 2: Or be like okay, Carls Yes, okay.
Speaker 1: So sidebar before I forget, because you know how my
Speaker 1: memory is. So I was in Washington, d C. This
Speaker 1: weekend to launch the new book Made Whole, and so
Speaker 1: it was awesome, and I'll talk a little bit about, like,
Speaker 1: you know, like the event, but I was at the monument.
Speaker 1: I took the kids, woman and familiar with with me.
Speaker 1: My two sisters, Tracy and Carol came and we took
Speaker 1: them to this monument and this woman looked at me
Speaker 1: and was like, oh my god, Oh my god. I
Speaker 1: was like, okay, she was like oh my god. And
Speaker 1: then her boyfriend was you could tell. He said, who
Speaker 1: is it? He was like, She's like, you know that
Speaker 1: podcast that I'm always listening to. Yes, yes, And she
Speaker 1: was right wild, yes, she was like this is her
Speaker 1: well one of her, you know, she was so excited
Speaker 1: love and the way he looked like oh yeah, like
Speaker 1: almost like that dag All podcast. But I just loved that.
Speaker 1: I was like, wait out tell Mandy. And even at
Speaker 1: the event, so I partnered with Mahogany Books, which is
Speaker 1: this black On bookstore all my husband and wife. They
Speaker 1: have three locations. Amazing. Romanda and her husband are totally amazing.
Speaker 1: And it was like over one hundred and fifty people
Speaker 1: came standing room only. At one point they had a DJ.
Speaker 1: It was just a good black time. Yes, And so
Speaker 1: what I love is everyone who stood up, you know,
Speaker 1: they'd be like, you know, like to ask a question.
Speaker 1: I would say a good eighty percent of them were like, Tiffany,
Speaker 1: I love all that you do. You know, I love
Speaker 1: the you know, I love the Budgetista. We all love
Speaker 1: Brown Ambition. And to see over my head's like, I.
Speaker 2: Was like, oh my god.
Speaker 1: Literally it was like and I want to say it
Speaker 1: because we took on in like five or six questions,
Speaker 1: four people were just like and we love Brown Ambition
Speaker 1: and like say hi to Mandy. I know you don't hug,
Speaker 1: but it just yeah, it just felt really really really
Speaker 1: like great because sometimes, like you know, me and Mandy
Speaker 1: always say it like I always forget sometimes I'm just like,
Speaker 1: I'm just here talking to my friend Mandy, and so
Speaker 1: I forget that you guys are also listening and participating,
Speaker 1: you know, and this like you know, So it's just
Speaker 1: I love to see it like out in the wild
Speaker 1: because you know, Mandy and I will talk. I'm like,
Speaker 1: all right, Garlait, did we see our air right?
Speaker 2: We were just talking like like we talked for an
Speaker 2: hour twice this weekend. Yes, they exactly could have had
Speaker 2: two shows.
Speaker 1: In the can for real and it was really and
Speaker 1: even before we were myself, Mandy and our producer Imani
Speaker 1: were just talking about how this season is really hard,
Speaker 1: like everyone is so stressed out.
Speaker 2: We're all having the exact same thought, which is, yes,
Speaker 2: where's mom, where's the grown up? And I hate to
Speaker 2: proliferate the pressure on moms, but the way we carry
Speaker 2: women in general the holiday season and you don't realize
Speaker 2: that as a kid, Yeah, I didn't know what was
Speaker 2: coming for me as a woman.
Speaker 1: I just was excited about, like girl, Thanksgiving, however, that
Speaker 1: didn't get to the table, not my problem. And Christmas, however,
Speaker 1: all my toys, get under the tree again.
Speaker 2: I tried my little list and leave it and then.
Speaker 1: Get I mean, that's it. I mean. So, I was
Speaker 1: just talking with Evanni and Man and Mandy just about
Speaker 1: how like right now this morning, I was just felt
Speaker 1: really overwhelmed today. You know, the well while you're listening
Speaker 1: to this ba fan, it will be the day after
Speaker 1: the book came out officially, but that I feel a
Speaker 1: little overwhelmed that I want to make sure I'm real
Speaker 1: consciously doing more being versus doing, Like that's the life
Speaker 1: that I'm working toward. It is like I don't want
Speaker 1: to have to always be in motion or you know,
Speaker 1: like sometimes I just want to be like in one
Speaker 1: spot and listening to a book or taking a walk
Speaker 1: or when I feel like this last quarter has been
Speaker 1: very very very busy.
Speaker 2: And single tasking.
Speaker 1: Yeah, not just all the things and so and I
Speaker 1: was telling Emiani in particular, I was like, you start
Speaker 1: to realize as you get older that like when you
Speaker 1: were in school, they created breaks for you. There was
Speaker 1: summer break, winter break, howiday break, you know, springs break,
Speaker 1: there were weekends, you know, and as an adult, if
Speaker 1: you're not careful, you'll you will forget that those breaks
Speaker 1: were created externally and that you have to on purpose
Speaker 1: create breaks for yourself now. If not, you will just
Speaker 1: work all the way through. And I've done that, like
Speaker 1: no stop, work all the way through, all.
Speaker 2: The way through the summertime, always since the month where
Speaker 2: I'm just like, but why are we hear?
Speaker 1: Child?
Speaker 2: Doesn't I'm like thinking about friends, you know, it's also December.
Speaker 1: Intentionally taking breaks is something that like, as an adult,
Speaker 1: you're like, wait, I have to do it. If not,
Speaker 1: I will just keep going until, like my body says,
Speaker 1: lay down, you know.
Speaker 2: And take a break for yourself too. It doesn't have
Speaker 2: to be for a big family vacation, you know. The
Speaker 2: other day and I was, I was really in a
Speaker 2: spot of overwhelm and I called my mommy because as
Speaker 2: you do. And I'm so grateful that I can. I
Speaker 2: know some of us, a lot of people out there
Speaker 2: don't have. Whether you're not, you don't And this is
Speaker 2: the holiday, so it's like whether or not you have
Speaker 2: a good relationship with your family, it all comes up
Speaker 2: and if they're not no longer here, like how do
Speaker 2: you move on without them? And so I just want
Speaker 2: to hold space for everyone who's dealing with that, but
Speaker 2: I did. I'm fortunate to have my mommy still here,
Speaker 2: so I called her and we were both just trying
Speaker 2: to figure out what I could do to like chill out.
Speaker 2: And it was like eleven am on a Tuesday, and
Speaker 2: she said, you know what, take a bubble bath, right now,
Speaker 2: go take a bath. And I was like, I can't.
Speaker 2: Oh well, that's a great idea. And I took a
Speaker 2: bath in the middle of the day and I did
Speaker 2: a little meditation, like a five minute calm me meditation,
Speaker 2: and just floated and it was I mean, I had
Speaker 2: to clean the bathtub first because my son bathes in
Speaker 2: there and I know where he's been, so it goes
Speaker 2: a little bit of work to start. But yeah, even
Speaker 2: just that like little half hour, you know, it really
Speaker 2: reset me. So to anyone who's feeling that sense of overwhelm,
Speaker 2: what's like, what's the one thing.
Speaker 1: You can do just to like reset? Where's your saving
Speaker 1: base walk? For me? I love a long hot shower.
Speaker 1: I have like a bench of my shower since I'll
Speaker 1: just sit there and be like, rain down, calm me.
Speaker 1: I mean, I thought, I'm sorry, but I need it.
Speaker 2: Water. It is, it truly is even the sound of it.
Speaker 2: So sitting in a nice, steamy shower, you know. I
Speaker 2: had my sister. I told she's we're the same, and
Speaker 2: she was like, I'm really overwhelmed too. And I was like, well,
Speaker 2: I took a bath. She's like, do you know how
Speaker 2: much work it is to take a bath. You got
Speaker 2: a shower first because you don't want to set in
Speaker 2: your own funk, which I had to do too. And
Speaker 2: I'm like, hey, yeah, I did all that, and then
Speaker 2: I had it like, you know, it's sometimes if it's
Speaker 2: work to do the thing, maybe don't do that thing. Yeah,
Speaker 2: but something even sitting in my car and just driving
Speaker 2: to a pretty place, Yes, I love.
Speaker 1: That's one of my favorite things too, is that because
Speaker 1: I live by a park and I thought about that today.
Speaker 1: I was like, maybe I should just drive to the
Speaker 1: park or walk to the park and sit on the
Speaker 1: bench and just like cause the trees are still you know,
Speaker 1: largely they've lost a lot of their you know, pretty leaves.
Speaker 1: They have changed colors, but there are still some trees
Speaker 1: that are just magnificent. And you know, I love to
Speaker 1: listen to like a book or like music. There's a
Speaker 1: song that I I saw it on this guy's YouTube.
Speaker 1: He's a is the a neurologist, what's another brain doctor?
Speaker 2: Neurologists is a brain doctor?
Speaker 1: No neuro certain Yeah, he's a neurologist. I'm not gonna
Speaker 1: say nourose surgeon. But he's not a north He's not
Speaker 1: a uh. But so he's a neurologist. And he shared
Speaker 1: this a specific song that they had done this research
Speaker 1: and study about that helped to bring helps to bring
Speaker 1: down anxiety. It's called and I'm not gonna lie, it's
Speaker 1: been working so when I wake up in the morning.
Speaker 1: So after Darrell passed away, doctor Green, my therapist, I
Speaker 1: was like, I woke up. I used to wake up
Speaker 1: with so much anxiety, and she suggested me listening to Beethoven.
Speaker 1: There was like some music like no no words, just
Speaker 1: like classical music, and that really helped a lot first
Speaker 1: thing in the morning to not start with so much
Speaker 1: jarring energy. And so I saw this neual, this neurologist
Speaker 1: say that there's a specific song that they've done research
Speaker 1: on and that it creates a similar kind of like
Speaker 1: slowing down, you know. And so let me tell you
Speaker 1: the name of it. It's called Weightless. But I want
Speaker 1: I want to tell you who it's by. My library
Speaker 1: playlist songs waitless, bye, wait okay bye Marconi Union. So
Speaker 1: it's called wait list by Marconi Union. So literally I
Speaker 1: put it on, I put it on repeat. And so
Speaker 1: I have certain things that I do in the morning,
Speaker 1: you know, like get up, I make my bed, I
Speaker 1: brush my teeth, so all what I'm doing these things
Speaker 1: in the morning. I used to sometimes let me just
Speaker 1: check my email real quick and then the wrap it
Speaker 1: down the wrapper hole you go. And so I will
Speaker 1: play this because I would say eighty percent of the
Speaker 1: time I start my day with a walk. So I
Speaker 1: will play this until I get outside walking. So it's
Speaker 1: like it helps me to focus on no, no, no, we're
Speaker 1: opening the windows, we're getting up, we're brushing teeth, we're
Speaker 1: making bed, we're not doing any work things until you
Speaker 1: get outside. Because once I get outside for the walk,
Speaker 1: then the walk and the nature takes over and then
Speaker 1: I can like you know, and so like, you know,
Speaker 1: that's just something to think about. Like, but yeah, wait
Speaker 1: Lists by Marconi Union. You know it's I mean, it's
Speaker 1: you know, you're not going to jam it to it.
Speaker 2: Yeah, it's just like that this this morning we're having
Speaker 2: like parallel moments, I think because this morning I was
Speaker 2: That's when we talked on Friday, when I was doing
Speaker 2: a milk drop yes Yes, on the way to I
Speaker 2: was like, I'm super woman, I'm gonna my I'm dropping
Speaker 2: remming off with mother in law who lives thirty minutes away,
Speaker 2: and I do the back and forth commute after a
Speaker 2: drop off Rio and it is very helpful, but it's
Speaker 2: also very challenging because she lives in a very congested
Speaker 2: area in Manhattan called Inwood, and my god, the exit
Speaker 2: exit nine, if you know what I'm talking about, on
Speaker 2: eighty seven is just a cluster, you know what. And
Speaker 2: most days I can go to the sunken place where
Speaker 2: I live. Sometimes when the kids are crying and when
Speaker 2: I'm on that particular exit on the highway and I
Speaker 2: just need to breathe. But yeah, today was super stressful
Speaker 2: and I was taking again taking my son taking me
Speaker 2: to a Boila's, but this time because of what happened Friday,
Speaker 2: so I had to get up. He spent the night
Speaker 2: for the first time ever. That was the first little
Speaker 2: piece of stress. I had to get chapter one of
Speaker 2: my book done. The second chapter one, Yeah, I did
Speaker 2: it over again and anyway, so he stayed over, but
Speaker 2: she ran out of milk at three am. And I've
Speaker 2: been exclusively breastfeeding, which I did for Rio. But I
Speaker 2: realized like it was the pandemic. We were never not
Speaker 2: with each other, so it wasn't that it was nothing.
Speaker 2: You know, this is very something. And so today I
Speaker 2: brought formula with him, and I was like, you know,
Speaker 2: I was gonna. I knew I was walking into like
Speaker 2: having to explain to a boila, like here's the formula,
Speaker 2: here's why. Luckily she was supportive. Sometimes you know, now
Speaker 2: it's like flipped. Now you get shamed for not breastfeeding.
Speaker 2: But just I can't. I can't. I can't be driving,
Speaker 2: you know, thirty minutes each way just to drop off
Speaker 2: a baggie of milk.
Speaker 1: But on the way.
Speaker 2: Home, I just I could. I on my little hands
Speaker 2: free thing. I was like, play calming music, please, just something,
Speaker 2: and it was, you know, it sounded like the background
Speaker 2: music if you were to do like a meditation app.
Speaker 1: It was it sounds like that.
Speaker 2: Now you don't want to fall asleep. So I don't
Speaker 2: recommend it on the highway. But I drive a car.
Speaker 2: I drive a Tezzi and fuck, I love this car.
Speaker 1: I know we don't like you.
Speaker 2: Know who, but I love this car all my god. Okay,
Speaker 2: so there's an auto driving feature, I literally and it's
Speaker 2: and I turned on the rainbow Road feature, so I
Speaker 2: just like tapped the little the little gearshift for thinkingmajigger
Speaker 2: twice and then the rainbow Road comes on and the
Speaker 2: car is driving for me, and I just have my
Speaker 2: hands right here and yes I'm paying attention and ten
Speaker 2: and two and all that, and I'm holding on, but
Speaker 2: a little piece of my brain can kind of float
Speaker 2: because the car is sort of taking over for me
Speaker 2: in that small way. So I the best I could
Speaker 2: do today to get to get back to centered.
Speaker 1: It's good to talk about these things because sometimes we
Speaker 1: think that we're like alone and the overwhelmed with the
Speaker 1: over the work or the whatever, and it's just nice
Speaker 1: to know that you're not and that we are all
Speaker 1: living kind of like these parallel lives. And then here's
Speaker 1: some solutions. You know that if you found a thing,
Speaker 1: so you.
Speaker 2: Know what I realized too. If you're listening to broad Ambition,
Speaker 2: I hope that you're doing something because usually people listen,
Speaker 2: like in the car oh, maybe while you're taking a walk.
Speaker 2: I hope that right now, like I hope broad ambition
Speaker 2: can be you know, if that helps you can be
Speaker 2: a companion to your Yes, we'd love to be your
Speaker 2: companion saw moment, because tis the season for all the
Speaker 2: the things. Yes, absolutely. My therapist told me I need
Speaker 2: to start a and I actually did. I started a
Speaker 2: Trello board for my ideas because when I'm telling you,
Speaker 2: I am my own worst enemy. It's my creativity because
Speaker 2: I'll be like, what if I totally could Yeah, I
Speaker 2: could do a lot of things. Like I'm in the
Speaker 2: middle of one of my wild ideas, which does to
Speaker 2: redo the basement for You's birthday, which is six days,
Speaker 2: and I have all the things kind of laying here,
Speaker 2: and I'm just like you think I can get a
Speaker 2: task crabit on Thanksgiving?
Speaker 1: Yeah, probably not Thanksgiving, but weak.
Speaker 2: Like I don't know, but it's, you know, one of anyway.
Speaker 2: So I'm trying to find a safe space, like a
Speaker 2: not a safe space, a place to put my ideas
Speaker 2: before they become a thing that destroys me. And I
Speaker 2: back myself into corners with all my ideas, Tiffany, And
Speaker 2: that's actually been nice I started it, and I have
Speaker 2: like a little I won't tell you all my crazy ideas. Well.
Speaker 2: One of them was to run a ten k and
Speaker 2: have my my sister friend neighbor train me, which I
Speaker 2: started to do and before I realized I can't commit.
Speaker 1: To drink for you're also do you just had the baby?
Speaker 1: You are working on the book, and so even just
Speaker 1: saying like, you know you're gonna move your body and walk,
Speaker 1: and but I not to not to jump shark, but
Speaker 1: I would love for you to put on your journalist's hat. Okay,
Speaker 1: you know because today it.
Speaker 2: Never comes off.
Speaker 1: Oh, today is made whole, like launch day. So I
Speaker 1: would love like, so we're gonna name this episode actually
Speaker 1: made whole. Let's be let's let's let's name it that.
Speaker 1: And so I would love for you if I was
Speaker 1: a guest on the show, hi, you know, just to
Speaker 1: interview me so the girls can learn more about the
Speaker 1: book that's coming out and where they can get it.
Speaker 1: Let me get my book?
Speaker 2: And she notice she didn't tell me I was working today,
Speaker 2: you guys, I don't usually work during brown ambition.
Speaker 1: But okay, now today's book episode, that's what I said it.
Speaker 2: Where's my where's my free press copy? I know, you
Speaker 2: know what, I totally for reader. I was like, what
Speaker 2: did I say? I got your damn first book right
Speaker 2: behind me free promo? Anyway, who my hair is blocking in?
Speaker 2: That's my Now It's fine because I know a little
Speaker 2: bit about Maidhole. Well, the first thing I want to
Speaker 2: ask you, well, first, congratulations, because to get immediately, like
Speaker 2: the only person I know who got a workbook after
Speaker 2: the book was Michelle Obama. They were like, do a workbook?
Speaker 2: So and I know that workbooks were becoming more popular,
Speaker 2: but it's like a companion to a book that resonates.
Speaker 1: And so first, congrats, thank you.
Speaker 2: And second, what did they tell you? Did they what
Speaker 2: is the workbook? Like? What is it? And then what
Speaker 2: was your approach to creating it and making it your own?
Speaker 2: To go with Get Good with Money?
Speaker 1: So almost immediately they wanted me to do like a workbook,
Speaker 1: you know. But you know, Jera had passed away, and
Speaker 1: I was just like, I'm not doing anything, leave me alone.
Speaker 1: But I realized that there were people who might have
Speaker 1: read Get Good Money who might have felt a little
Speaker 1: overwhelmed because it's really like a textbook, you know, Like
Speaker 1: I like to think of Gigo money like kind of
Speaker 1: like yeah, just like kind of like if I'm dating myself,
Speaker 1: this encyclopedia for like the core components of your financial
Speaker 1: life budgeting, savings, that credit, earning, investing, insurance, financial team, networth,
Speaker 1: estate planning. Those are the ten steps to financial wholeness.
Speaker 1: But then I knew that there were people who were like,
Speaker 1: I wanted something that feels lighter, or I can kind
Speaker 1: of get to the work more quickly, and so that
Speaker 1: to me is the purpose of a workbook, you know,
Speaker 1: Like I read like one of my favorite books is
Speaker 1: called like the Twelve the twelve Week Year, So it's
Speaker 1: this great book, and I was like, basically it was
Speaker 1: a book that helped to reset the way I thought
Speaker 1: about getting things done, helped to get me excited about like, oh,
Speaker 1: what I could normally get done in a year, I
Speaker 1: can get done in twelve weeks. But then I got
Speaker 1: the work book because I'm like, now I'm ready to
Speaker 1: do the work, Like walk me through the actual steps
Speaker 1: although and get your money. I was pretty good at
Speaker 1: doing that, but with made whole, I was like, here
Speaker 1: are the steps to do the work that I'm talking about,
Speaker 1: not just here are the steps in word form. Here's
Speaker 1: what it looks like visually, Like say, if it was
Speaker 1: a budgeting step, I show you someone's actual budget, you know, like,
Speaker 1: here's what it looks like when properly done. And then immediately,
Speaker 1: which is important, here's a blank space for you to
Speaker 1: do the work right after learning about it, so you.
Speaker 2: Can write in this thing.
Speaker 1: Yes, it's a hard cover workbook. Yes, so that was
Speaker 1: important to me. Yeah, and also it's important to me
Speaker 1: that it was a hardcover workbook and that it was
Speaker 1: wider because I wanted to have like so if you're
Speaker 1: watching it, we could see it. So here it is like,
Speaker 1: so here, I'll show you the difference. So this is
Speaker 1: because like I don't.
Speaker 2: I don't have a copy yet, just to reiterate that
Speaker 2: I forgot it. But yeah, that looks nice for people
Speaker 2: who have one.
Speaker 1: Body. And then this is madeholds. He made wholes a
Speaker 1: little wider, and because it's meant to like in a
Speaker 1: little bit thinner, a little skinnier, she a little slim.
Speaker 1: This is fix here. But also too, I wanted it
Speaker 1: that wider because I wanted when you opened it, like
Speaker 1: you could you know, because I'm like I would use
Speaker 1: workbooks so you should be able to open it, lay
Speaker 1: it flat and do the work.
Speaker 2: Oh yeah, and it just relaxes, and so it was
Speaker 2: important to me.
Speaker 1: Then, you know, it was like, read the step, and
Speaker 1: the steps are a little bit more, you know, more
Speaker 1: concise than a get er with money, but then look
Speaker 1: at it visually and then here's a chance to do
Speaker 1: the step. So that was really important. So that's one
Speaker 1: of the ways that it's different. Something else too that
Speaker 1: I integrated into made holes that I know that as
Speaker 1: an educator, I know that sometimes people get really overwhelmed.
Speaker 1: You know, it's like, oh, this is you know, maybe
Speaker 1: this chapter is ten fifteen pages. I'm feeling overwhelmed. I'm
Speaker 1: not doing all this. So and some of the chapters
Speaker 1: where it made sense, I added something called a quick start,
Speaker 1: which is if you don't do any of these. So,
Speaker 1: for example, with the budgeting chapter, I have a whole
Speaker 1: budgeting system and you might not feel ready to quite
Speaker 1: do it. So I'm like, even if you don't do
Speaker 1: the whole budgeting system, here is a split it before
Speaker 1: you get it step where if you don't do your budget,
Speaker 1: if you just go to HR them to split your
Speaker 1: money into these four bank accounts, your bill's account, your
Speaker 1: spending accounts. These are two checking accounts, and the other
Speaker 1: two are savings accounts, your short term savings or emergency
Speaker 1: savings and long term savings account or goal savings account. Right,
Speaker 1: so bills, spending, emergencies, goals. Right. If you split your
Speaker 1: money there, then even if you don't do a budget,
Speaker 1: it will help you to budget without budgeting, because ideally
Speaker 1: you can have your bills paid automatically, or you can
Speaker 1: pay them every two weeks or whatever yourself. You don't
Speaker 1: have a debit card attached to that checking account, you
Speaker 1: can literally call and get it detached. So when you're
Speaker 1: out spending with the money that's left in your checking
Speaker 1: account for spending, you know, you're not spending bill money,
Speaker 1: you're not spending any of your savings. It's just money
Speaker 1: set aside for groceries, going out, grooming, toiletries, whatever it
Speaker 1: is that you're setting aside that money for and your
Speaker 1: savings is that a totally different bank, so that way
Speaker 1: you don't have these easy transfers, you know, and also
Speaker 1: to you in a high yield savings account, which is
Speaker 1: typically found with an online only bank anyway, and that
Speaker 1: money is set aside in a way, and you know
Speaker 1: that automatically you're setting aside of money for savings for
Speaker 1: emergencies and savings for whatever goal you have a house
Speaker 1: or car or whatever. And so that is a way
Speaker 1: that's like a simple sample of a quick start.
Speaker 2: It's like my bare minimum budgeting, which I mean, yeah, bare.
Speaker 1: Minimum, Yes, I love that budget. Here's a quick start
Speaker 1: that you can do by making a phone call to HR.
Speaker 1: So there are quick starts throughout made whole that, which
Speaker 1: is different from get going money.
Speaker 2: If they're like a you know, we love a checklist,
Speaker 2: they're just feeling like you've like done something. Does is
Speaker 2: there any sort of feeling of okay, I've ticked off
Speaker 2: this box?
Speaker 1: You know, absolutely. So another thing that we had that
Speaker 1: because every so there are ten steps in this book,
Speaker 1: and at the end of each of the steps, you
Speaker 1: I let you know visually and also just like congratulate
Speaker 1: you that you're now twenty percent hole, You're now thirty
Speaker 1: percent whole. You now, So it's like each step you
Speaker 1: get to accumulate until you get to the last step
Speaker 1: of state planning and you're one hundred percent hole. So
Speaker 1: people are like, well, who, so you get that feeling
Speaker 1: of like I am making movement forward. But there are
Speaker 1: checklists in here for you too. There are things for
Speaker 1: you to fill out. I have duplicates for free on
Speaker 1: the website Mad Whole Workbook dot com. So if you
Speaker 1: fill it out here and you're like, I want to
Speaker 1: do that again, you can get a duplicate of anything
Speaker 1: that's found in the book for free. Nice yeah, like
Speaker 1: whether you yeah, whether you pay for it or not.
Speaker 1: So let's just say you go to Maid Whole Workbook.
Speaker 1: You can still download the toolkit and get all of
Speaker 1: like the you know, the tools and things for free.
Speaker 1: So cause I know people, you know you write in
Speaker 1: the book and you're like, wait, I want to do
Speaker 1: it again. You don't have to buy a whole new book.
Speaker 1: You could just get those components. And lastly, something that
Speaker 1: I'm really proud of too is that after people read
Speaker 1: Geka with Money, I thought to myself, I want you
Speaker 1: to be encouraged by other people's success. So I asked, folks,
Speaker 1: with these ten steps of financial holeness, I put like
Speaker 1: an ask out to my community, can you tell me
Speaker 1: some really like heartwarming stories about what are these steps
Speaker 1: and how you were able to complete it? And so
Speaker 1: we put those in real life stories IRL stories inside
Speaker 1: the chapter. For each chapter there's one or two of them.
Speaker 1: So you get to read about Wendy who was actually
Speaker 1: able to pay down debt for the first time. You
Speaker 1: get to read about to meet them who was able
Speaker 1: to buy something. You get to you know, like, so
Speaker 1: as you're working Twitter, you don't feel like these are
Speaker 1: like steps that can't happen. These are real people who
Speaker 1: were helped by by these ten steps, and so you
Speaker 1: can be too. So I'm just proud of made whole
Speaker 1: And yeah, I just think it's going to help a
Speaker 1: lot of people, just like get go with money.
Speaker 2: And if you're the kind of person who've read the
Speaker 2: book and you're like, I did it, and then you
Speaker 2: put it down and it maybe felt like, you know,
Speaker 2: to go back and read hundreds of words or hundreds
Speaker 2: of pages again feels like a lot. But this feels like, Okay,
Speaker 2: now you've sort of understood the methods. Now, let's it's
Speaker 2: like a personal trainer alongside you, kind of like helping
Speaker 2: you through and getting you there. Okay, what's your favorite
Speaker 2: wholeness step? Has it changed since we broke about to now?
Speaker 1: I mean, you know, I love me a good budget.
Speaker 1: I'm trying to think it's.
Speaker 2: Always the hardest one for me because you know what
Speaker 2: the budget is confronting facts and math and numbers, and
Speaker 2: I think and also if you're in a relationship, if
Speaker 2: you're with a partner, it's not that you can't do
Speaker 2: it alone, so it you know, it sounds so simple
Speaker 2: and it is like the first and I think, obviously
Speaker 2: you're the budget, so you know about teaching people budgets.
Speaker 2: But for me, it's always been the more challenging thing
Speaker 2: to sit down and get on the same page and
Speaker 2: put everything out in places a struggle.
Speaker 1: But what I like about a budget, I guess, is
Speaker 1: that it tells me the truth about where I am
Speaker 1: and gives me like it gives me clarity about what
Speaker 1: I need to get to where I want to go to.
Speaker 1: That makes sense, I would say. I don't know if
Speaker 1: I have a favorite, but certainly the most impactful for
Speaker 1: me when I wrote this book is the leaving a legacy,
Speaker 1: that last part, because if I'm being always transparent, when
Speaker 1: Geka with Money came out, I was ninety percent financially holed.
Speaker 1: I had done all the steps, but I had not
Speaker 1: finished my will you know, Jirell was here that the
Speaker 1: year that this came out as a year that he
Speaker 1: passed away on geg Go with money, and so we
Speaker 1: had not finished our will, and a week before he
Speaker 1: passed away, we were like starting to work on it again.
Speaker 1: And then he passed and I was like, I need
Speaker 1: to get my legacy and then my estate planning in place,
Speaker 1: and so I did. So I have my will, my
Speaker 1: trust is complete as well, and my beneficiaryes are updated
Speaker 1: because really estate planning, those are the three things. Beneficiaries
Speaker 1: like whose name are on the accounts. Beneficiaries trump everything.
Speaker 1: I don't care what you have in your will or
Speaker 1: what you say in your trust, Like if the beneficiary
Speaker 1: is not that same name, it's going to go to
Speaker 1: the beneficiary lined up like you know on your bank
Speaker 1: account or your life insurance policies or anything else. My
Speaker 1: will beneficiaries are like the easiest thing to update. Sometimes
Speaker 1: you could just update online. Sometimes they'll send you some
Speaker 1: paperwork that you could sign digitally, and sometimes they do
Speaker 1: want like what they call a wet signature, which is
Speaker 1: just you signing it and then nailing it back.
Speaker 2: Of course, sorry, but a will, if it's a trust,
Speaker 2: is it easy to just add that online too. Do
Speaker 2: you just put the name in the trust?
Speaker 1: So beneficiars are the easiest thing to do, like p
Speaker 1: then what names? Yes, Just like like when I was
Speaker 1: like if you you might be like, well, I don't
Speaker 1: have no stuff. No, if you're twenty one years old,
Speaker 1: you have a bank account, your bank account likely will
Speaker 1: have like a beneficiaries component to it, and so you
Speaker 1: just like, for me, it's always my mom my, mom
Speaker 1: my mom until like I got a little older, you know,
Speaker 1: but you want to make sure that's updated. You know,
Speaker 1: it's it's like morbidly funny. But me and Jorell started
Speaker 1: working with Angeli or our financial advisor, the benefic sharies,
Speaker 1: and all of his stuff was Shante Alyssa's mom because
Speaker 1: that's the last time he looked at it because they
Speaker 1: were together and so and I remember telling him. I
Speaker 1: was like, oh, babe, you're so glad that. I'm so
Speaker 1: glad we updated it now because if you would have
Speaker 1: passed away and she was on, I would have to
Speaker 1: wake you up and kill you. And I'm like, it's
Speaker 1: like it's like morbidly but I'm like that would have
Speaker 1: been a nightmare. I mean, I would have been okay
Speaker 1: financially either way, but it would have been really awkward,
Speaker 1: you know, to deal with that on top of everything.
Speaker 1: I mean, yeah, and so like, and I wouldn't have
Speaker 1: found out until then. So I just so so the
Speaker 1: beneficiary is like, easiest, do that, then your will is not.
Speaker 1: I wish I would have known that the will wasn't
Speaker 1: as hard as we thought, because the will really is
Speaker 1: like a template that you could just edit. And so
Speaker 1: when I did my will, it was in less than
Speaker 1: a day. It was done. I'm like, I didn't know.
Speaker 1: I wish I hadn't waited so long because he and
Speaker 1: I thought we'd have to start from scratch. No, like
Speaker 1: your attorney would likely have a template and then you
Speaker 1: just add things on verbally, they put it in the will,
Speaker 1: then you sign it the next day. So it was
Speaker 1: like literally like a twenty four hour process. A will.
Speaker 1: The difference between a will and a trust is that
Speaker 1: a will tells your family like what's going to happen
Speaker 1: to your stuff immediately after you pass away in about
Speaker 1: six months out. That's what a will kind of dictates.
Speaker 1: And then lastly, a trust does take time. A trust
Speaker 1: might take up to a year or So because there
Speaker 1: are these all these different components, and a trust is
Speaker 1: really for people who have a net worth of five
Speaker 1: hundred thousand dollars or more typically around that that it
Speaker 1: range because typically or maybe you have a complicated financial life,
Speaker 1: because a trust will help you to circumvent maybe some
Speaker 1: some taxes the people who are inheriting your things, because
Speaker 1: essentially a trust is like creating a company, a family
Speaker 1: company now that owns all the stuff. So when I'm
Speaker 1: no longer here, my family is actually not going to
Speaker 1: inherit my stuff because we're already owned owning all of
Speaker 1: that stuff via the trust. That that makes sense. So
Speaker 1: inheritance taxes what I mean, and I think California is
Speaker 1: like up to fifty percent, which is crazy. So you
Speaker 1: find somebody grandma bought her house for fifty thousand dollars,
Speaker 1: it's now worth four hundred, five hundred and six hundred
Speaker 1: a million dollars. She passes it on to grand baby,
Speaker 1: and the government says, well, you have to pay thirty
Speaker 1: forty percent tax on this. You don't have three hundred
Speaker 1: thousand dollars cash, So what do you have to do?
Speaker 1: You got to sell grandma's house to get the money,
Speaker 1: which sucks. But if that, if that house isn't a trust,
Speaker 1: Grandma owns, the trust owns the house, and you guys
Speaker 1: are all beneficiaries of this trust already, so you're not
Speaker 1: going to be inheriting that house. It's just staying in
Speaker 1: the trust where it already was, if that makes sense.
Speaker 1: And so a trust helps that way. And also a
Speaker 1: trust helps to dictate years into the future what you
Speaker 1: want to happen with your stuff. So, for example, something
Speaker 1: happens to me, like for all the miners in my
Speaker 1: family and listen, including and like Roman, Amelia, Lily and
Speaker 1: any new baby that my sisters have, I will if
Speaker 1: something happens to me, they will get money at age
Speaker 1: eighteen if they're going to college. If not, they'll get
Speaker 1: a pay at twenty one, then twenty five and then
Speaker 1: thirty you know, like whatever that is that I've set
Speaker 1: aside for them, you know. And so that way, so
Speaker 1: a trust will doesn't allow you to do that. A
Speaker 1: trust allows you to reach into the future, years into
Speaker 1: the future. So that chapter, I truthfully I didn't realize
Speaker 1: how much I didn't know even after writing the book,
Speaker 1: because that part of the chapter. I work with my
Speaker 1: financial my attorney, Tony. She helped me with that chapter,
Speaker 1: Like I researched all the chapters that were my expertise.
Speaker 1: But even still, hearing her say the words is different
Speaker 1: than living it, you know, and so having to live
Speaker 1: it post Drell passing away, I was like, so with
Speaker 1: made whole, I was able to be like, no, like
Speaker 1: this is what that means, you know, Like I did
Speaker 1: not know until Dreell passed away that you could put
Speaker 1: more than one person as a primary to a specific thing.
Speaker 1: So if you have a bank account and you've got
Speaker 1: four sisters, it's not that you have to say this
Speaker 1: one sister is a primary, everybody else's secondary, because primary
Speaker 1: means that this person will inherit the money, and then
Speaker 1: and that person's not there, then it goes to the
Speaker 1: to the secondary. And I think that a lot of
Speaker 1: people might think that, but you can actually say, here
Speaker 1: are the four primaries split like, and you can either
Speaker 1: split it directly in like you know, twenty five twenty five,
Speaker 1: five twenty five, or you can say ten percent here,
Speaker 1: ninety percent here, so you can literally split up. And
Speaker 1: I didn't realize that. I think a lot of people
Speaker 1: don't realize that, and they are also too considering that
Speaker 1: if you have a minor child, how you want to
Speaker 1: leave them the money, Because to be candid, Alyssa is
Speaker 1: when she turns eighteen, she's going to come into a
Speaker 1: lot of money. So because when you're eighteen, when you're
Speaker 1: a minor and you're left money via life insurance, oftentimes
Speaker 1: the state will hold it for them and trust for
Speaker 1: them because they're like, they won't give it to the
Speaker 1: living parent because they know sometimes oftentimes that money get
Speaker 1: tricked up, so they're but when they turn eighteen or
Speaker 1: twenty one, depending on the state, all that money now
Speaker 1: goes to that child. That's a lot actually. So but
Speaker 1: if we would have known, like jeronala I didn't fully
Speaker 1: get it, we would have known, we would have instead
Speaker 1: of having the life insurance policy been sent to myself
Speaker 1: or a list or whoever, it would have gone to
Speaker 1: the trust instead, and the trust would have said the
Speaker 1: life the trust is the beneficiary of the life insurance policy.
Speaker 1: And so when the money comes out, it will go
Speaker 1: into the trust and it will pay for school for Alyssa.
Speaker 1: Then she'll get her first pay like money for maybe
Speaker 1: her first house or a wedding or you know when
Speaker 1: she turns twenty five and again at thirty five, and
Speaker 1: then you see what I mean, like knowing that versus
Speaker 1: here you are eighteen years old. Here you go, you
Speaker 1: know what I mean? And so like these are things
Speaker 1: that I didn't really understand. So I would say that's
Speaker 1: why that chapter is so critically important because I think
Speaker 1: so few people really talk about a state planning in
Speaker 1: a way they're like, oh, so I really beefed up
Speaker 1: that chapter with my lived experience and and so I'm
Speaker 1: really proud of it, even like you know, when I
Speaker 1: was reading the chapters that like, I'm the in real
Speaker 1: life story of the Yeah.
Speaker 2: Yeah, because you're right, because you wrote the first book
Speaker 2: before he passed away. Yeah, and you're in this.
Speaker 1: Yeah.
Speaker 2: I mean I didn't put two and two together because
Speaker 2: I'm a little slow.
Speaker 1: So it's just like all.
Speaker 2: You were speaking though. I went to mad Whole Workbook
Speaker 2: dot com and I was looking at the toolkit and
Speaker 2: like the resources, and I think everyone listening just go
Speaker 2: because if anything, it's a great list of you know,
Speaker 2: y'all are always asking for where are gonna get to
Speaker 2: find out financial planner? And where do you guys like
Speaker 2: to invest? And all in all Coindor says, we can
Speaker 2: call the Brown Ambition list too. Tiffy did all the research, y'all.
Speaker 2: It's right here, and there's even a place trust and
Speaker 2: will dot Org. I hadn't heard of that to start with. Okay,
Speaker 2: but Mike, I I caught learned to Earn, which is,
Speaker 2: you know, one of my favorite things because to avoid
Speaker 2: all the budgeting. I just like you to make more money.
Speaker 2: But can you talk a little bit about that and
Speaker 2: what people can expect from that part of the workbook.
Speaker 1: So, yeah, because you can't save your way to wealth.
Speaker 1: Like the thing is, so the first half the book
Speaker 1: are the first five steps to financial hollness budgeting, savings, debt, credit,
Speaker 1: learn to earn. That's a critical foundational component to financial
Speaker 1: hollness because you have to make more money. So and
Speaker 1: then I actually lean into our girl, Mandra I shound
Speaker 1: to you because.
Speaker 2: I would know that if I had one of those
Speaker 2: books there you.
Speaker 1: See, man, it's gonna save you the whole time, right,
Speaker 1: And so anyway, I talked about ways to one make
Speaker 1: more money at work and also to how to negotiate. Like,
Speaker 1: so one of the ways is to how to negotiate.
Speaker 1: So I was like, oh, Mandy, I want to I'm
Speaker 1: gonna quote you in the book like here, there's like
Speaker 1: a whole like Mandy sent me like a bunch of
Speaker 1: steps of like of steps to negotiating, and I was like,
Speaker 1: oh great. I was like from Mandy Brown Ambition and
Speaker 1: Mandy money Makers, here are some steps negotiating. And that's
Speaker 1: how like I put that part in the book to
Speaker 1: really walk you through, how do you negotiate for more
Speaker 1: money for yourself at your current job? And if not that,
Speaker 1: then how do you then look for another job that
Speaker 1: might pay more. That's one of the ways, because one
Speaker 1: of the best ways to make more money is where
Speaker 1: you currently are, if it's available to you. You know,
Speaker 1: so many people have not tapped into that. And then
Speaker 1: I also talk about how to make more money outside
Speaker 1: of your job, if you're wanting to create income through
Speaker 1: like a side hustle or whatever that might look like
Speaker 1: a side business. And so those are the two components
Speaker 1: that I really lean into of making additional money because
Speaker 1: the truth of the matter is, especially when you're young,
Speaker 1: these are really your income earning years. So how can
Speaker 1: you be really smart about beefing that up so that
Speaker 1: way you can get to a part or you might
Speaker 1: be like, I'm not young, and I'm like, if you're listening,
Speaker 1: you are. Even if you're seventy, you're still seventy years
Speaker 1: young because you're here, you know. And so if you're
Speaker 1: wanting to make more money, you know, it's not just
Speaker 1: for making more money. I hope you understand that one
Speaker 1: of the purposes of making more money is to short
Speaker 1: enjoy some now, but to set aside some so you
Speaker 1: don't have to continue.
Speaker 2: To work, you know, yeah, and go in hoard those
Speaker 2: early years. I'll never work as hard as I did
Speaker 2: at twenty.
Speaker 1: Yes, I think about that.
Speaker 2: It's all the free time and the mental capacity. H
Speaker 2: my goodness.
Speaker 1: And don't think to yourself if you're like forties or
Speaker 1: fifties or sixties, like, oh, is it too late? No,
Speaker 1: it's not now. It might you might have to put
Speaker 1: in that work for the next five six years. You know.
Speaker 1: It's a kind of offset. I know I did. I
Speaker 1: didn't really start really cooking with grease until my like
Speaker 1: mid thirties. But if you are younger and now is
Speaker 1: the time. A young woman asked me that, like I am.
Speaker 1: I had the book launch at with Mahogany books that
Speaker 1: I mentioned earlier, awesome black on bookstore. Certainly you can
Speaker 1: purchase copies of Made Whole directly for Mahogany Books. It's
Speaker 1: literally Mahogany books dot com. They were amazing the owners there.
Speaker 1: And so what are the women? Asked one young woman
Speaker 1: after she was twenty seven years old, and she was like,
Speaker 1: what should I be thinking about now? I was like,
Speaker 1: besides the basics of like keeping your credit, good keeping
Speaker 1: your debt, loan learning, how to you know budget and save,
Speaker 1: I said, you need to be working to like to
Speaker 1: earn more and not earn more so you can buy
Speaker 1: more stuff so you can set aside you know, to
Speaker 1: certainly enjoy, but set aside enough so that way as
Speaker 1: you start to wind down, the energy winds down, your capacity,
Speaker 1: your time that you the money is working for you.
Speaker 2: You know, so absolutely times on your side. Oh the
Speaker 2: tender age of twenty seven. Oh okay, Well, since we're
Speaker 2: in the holiday season, we talked about that Maidhole is
Speaker 2: out now. Yes, I am a mom. Did you know
Speaker 2: that I hire? Maybe I have a couple of kids. Whatever,
Speaker 2: And I gotta say I'm usually not that bad about
Speaker 2: holiday shop. Like my sisters and my siblings, like we
Speaker 2: do White Elephant or Secret Santa. This year we're going
Speaker 2: back to just buying each other gifts or whatever. But
Speaker 2: I'm usually not that caught up in Black Friday and
Speaker 2: caught up and I haven't ever been, But now I
Speaker 2: got the cheering. And when I tell you I saved,
Speaker 2: I caught myself. I was saving the Target catalog because
Speaker 2: they send you stuff in the mail now, and I'm like, oh,
Speaker 2: they It's like the mail is the original algorithm, you know,
Speaker 2: like I serve you the content. How did you guys know?
Speaker 2: I was just thinking about Lake Shore Learning and what
Speaker 2: I send you, like the Melissa and Doug collection. There,
Speaker 2: Melissa and Doug is sending me flyers. Gotta have it.
Speaker 2: It's like everything is so cute. Plus Rio's birthday is
Speaker 2: coming up. Oh my goodness, it feels like I'm about
Speaker 2: to blow up my budget that I don't even have, Like,
Speaker 2: how stop me? How do I? How do you stop us.
Speaker 1: From going out of control?
Speaker 2: Because it feels good. The endorphins are endorphining when I buy.
Speaker 1: Well, my children one of the things that really is
Speaker 1: helpful whenever I'm doing something that I know is going
Speaker 1: to require like you know, more money than what's normally
Speaker 1: for my budget. I like to set it aside in
Speaker 1: a bank account. So like if you have a savings
Speaker 1: account sometimes, you know, like some safe accounts have like
Speaker 1: the little it's the same account, but they'll let you
Speaker 1: like put it into like a little bucket within the
Speaker 1: savings account, you know, or you could just go ahead
Speaker 1: and open another savings account. It's free, you know, you know,
Speaker 1: or you know. I like to place it somewhere because
Speaker 1: I like to see the money go down, you know
Speaker 1: what I mean. So what I'll do is, so for example,
Speaker 1: I am renovating. I had a specific budget in mine
Speaker 1: to renovate, and I put it in a I had
Speaker 1: a specific savings account that really didn't have much money
Speaker 1: in it. So I was like, okay, you are now
Speaker 1: renovation bucket. And so I put the money in there
Speaker 1: that I was going to do for renovating and this
Speaker 1: high yield savings account. And I even if I buy things,
Speaker 1: so for example, I'm purchasing a lot of the things
Speaker 1: for the new condo on my AMX car so I
Speaker 1: can get the points. So but when I'm when I
Speaker 1: go to pay the AMEX card, I use the money
Speaker 1: for the savings bucket for that you know form because
Speaker 1: I'm only currently using the MX card for renovations, you know,
Speaker 1: But I like to put it there so I can see, like,
Speaker 1: you're getting dangerously close. You sure you want to buy that?
Speaker 1: You know, that scance for four hundred dollars. Girl, you
Speaker 1: tried it, Go ahead and get you that, you know,
Speaker 1: because you want to, Because in my mind, I'm like,
Speaker 1: I still got to get my cash, so I'm it
Speaker 1: gives me a visual reminder of where am I in
Speaker 1: the scope of how close I am to reaching budget.
Speaker 1: So what I would say is like, if you're a
Speaker 1: cash person, which I know like nobody is now, certainly
Speaker 1: you could put it out in cash and be very
Speaker 1: old school and an envelope or putting it in a
Speaker 1: specific bucket like a savings bucket, so as you're spending,
Speaker 1: you can see the money go down and if you're
Speaker 1: responsible enough, you can still use whatever card that you want,
Speaker 1: but then paying it literally that day, so that way
Speaker 1: you're like, I'm setting aside this amount of money to
Speaker 1: pay for things for the kids, and as the money
Speaker 1: goes down, I know I'm almost done. Like did I
Speaker 1: get everything I needed? Did I overdo it am I here.
Speaker 1: So that's one of the ways that I like to
Speaker 1: set aside. Another way too, is that like literally being
Speaker 1: like Santa, you make it look listed, check it twice.
Speaker 2: You know.
Speaker 1: I'm a spreadsheet girl, so I like to list everyone
Speaker 1: in buying gifts for I'll look online and I'm just like,
Speaker 1: who what what am I thinking? How much it's costs?
Speaker 1: And I have what the amount of money that I
Speaker 1: want to spend in total for the holiday season, And
Speaker 1: I create the spreadsheet so it can literally do the
Speaker 1: math of like subtracting from what's left over. So now
Speaker 1: I'm juggling like, well, I'm not going to get lista this.
Speaker 1: I'll get her that because I want to get the
Speaker 1: kids this, but not that, so I can look at
Speaker 1: the math. So let's just say I'm sitting aside, I
Speaker 1: don't know two thousand dollars to spend for the holiday season,
Speaker 1: so I'm not you know, I'm not going to get
Speaker 1: my sister some five hundred dollars boots because that's going
Speaker 1: to take up too much of the budget. And so
Speaker 1: I like to put it in a spreadsheet so I
Speaker 1: can see and then I go online and it allows
Speaker 1: me to to not be in store where I'm going
Speaker 1: to be hyper stimulated to buy all the things I
Speaker 1: can look to see what things I can buy within
Speaker 1: that budget, you know, And I put the link in
Speaker 1: the spreadsheet too, so when I'm ready to be like,
Speaker 1: all right, let's sit down and buy these, the link
Speaker 1: is there. I know how much it's everything is all
Speaker 1: right here for me to make decisions. And lastly, you
Speaker 1: know whoever you like to buy things from, follow them
Speaker 1: on social media sometimes and often not even sometimes almost
Speaker 1: everyone who will give, especially during the holiday season, sometimes
Speaker 1: they'll do like a a social media only coupon code
Speaker 1: or savings link or whatever. And so once I kind
Speaker 1: of get clear of who I'm buying for, I'm the queen.
Speaker 1: When I'm like, all right, I know what I'm getting,
Speaker 1: I know who I'm buying for. Now, I'm like, but
Speaker 1: we're not paying I'm my mother's shop were paying a price.
Speaker 1: So I mean, I call it like it's racketing, but
Speaker 1: always did love but it used to be ebates right
Speaker 1: now go backwards, but it's so amazing it is. Racoon
Speaker 1: is your best friend. Also Capital one I think has one,
Speaker 1: so like I look at racketin to get cash back,
Speaker 1: and also they have coupons, like I think Honey sometimes
Speaker 1: will still have coupons. I think it's one called Peggy Bag.
Speaker 2: But Rakuton doesn't. Even it's not the coupons that I like,
Speaker 2: it's the cash back. It's the cash back, yes, but
Speaker 2: it's also they will alert me because for example, I
Speaker 2: have been furnishing this play area with like shelves and stuff,
Speaker 2: and they found me the shelves for like forty bucks
Speaker 2: less from a site that I normally wouldn't have shoppedj
Speaker 2: at what was it? I forget? Anyway, I love my
Speaker 2: little recute you.
Speaker 1: Say sputations, so doing those things. And then lastly, there
Speaker 1: are people on social media. I've never used coupons on
Speaker 1: Amazon before, but there's a lady on social media that
Speaker 1: I follow that like maybe like like look of hashtag
Speaker 1: Amazon coupons where she will show so like for example,
Speaker 1: I love like my dyce in like vacuum cleaner. She
Speaker 1: had a coupon for the one that I bought full
Speaker 1: price or maybe I get I got it on a
Speaker 1: Black you know, Black Friday, I think, but so not
Speaker 1: fully full price, but still she had a coupon for
Speaker 1: like fifty percent off and I was like, this can't
Speaker 1: be real. So I went to Amazon, I put it in.
Speaker 1: I was like, wait, what witchcraft is this? So yeah,
Speaker 1: so there are these I don't know how they find
Speaker 1: the coupon's girl, I don't know, but she is sharing
Speaker 1: it freely. So there are a.
Speaker 2: Bunch of people.
Speaker 1: So what I would suggest is myself the back of
Speaker 1: the internet. Not but they're real, you know, you put
Speaker 1: them into it rhy, you know, So I would just
Speaker 1: say that, like, especially during this time of year, look
Speaker 1: for creators if this is what they do. You know,
Speaker 1: like she's really awesome. She will just literally share a
Speaker 1: bunch of coupon codes for specific things, and I love it.
Speaker 1: I'm like, oh, this is so awesome. And so like,
Speaker 1: you know, I like to look for creators based upon hashtags,
Speaker 1: you know, like they still work like hashtag Amazon coupon,
Speaker 1: hashtag whatever. So yeah, creators that share, especially creators that
Speaker 1: share coupons who are in a similar space. So she
Speaker 1: if she's you want to like, if you're a mom
Speaker 1: a mommy coupon er, if you're renovating a renovating kind
Speaker 1: of coupon, you know what I mean, because going to
Speaker 1: share things that are going to be developing to you.
Speaker 1: So those are the ways that I would say say this,
Speaker 1: uh this holiday season, like lean into those couponts, make
Speaker 1: your list pre pre you have the pre game like
Speaker 1: Klee is gonna go.
Speaker 2: You really do which when you don't, it becomes really easy.
Speaker 2: I mean I had like four cards going yesterday and
Speaker 2: different I forgot which browser they were in because like
Speaker 2: I'm like, oh, I like that brand and they have
Speaker 2: cute stuff there, and it almost when you have kids,
Speaker 2: it almost feels like it's for the kids, you know
Speaker 2: what I mean?
Speaker 1: Look like this one was time you could you could,
Speaker 1: you could give me a box that I'd be out
Speaker 1: here playing with it.
Speaker 2: Oh no, no, rio no, he has expensive tastes.
Speaker 1: Excuse me, one of these kings.
Speaker 2: Turning forward, Tiff. He's got opinions and he knows which
Speaker 2: toys are cheap and which ones are quality.
Speaker 1: There runs okay, no more. I remember the days the
Speaker 1: kids that Romana Milion.
Speaker 2: Was like, we don't want to go. You want to
Speaker 2: go to Target? Yes, and not just Target. Now it's
Speaker 2: CBS because they have toy cars. Yeah, husband is trying
Speaker 2: to heal his and her child by only getting them.
Speaker 2: But the cremetella. Come oh my love cars and shit anyway. Yeah,
Speaker 2: but I will say my one thing that I am
Speaker 2: glad I did is I started a I did a
Speaker 2: registry because that's the only name for it. I did
Speaker 2: a target registry for the boys so that I could
Speaker 2: choose what went on it because my family tries it
Speaker 2: every year.
Speaker 1: I love that, you know, that's really smart. My sister
Speaker 1: usually does do like Carol will do like a thing
Speaker 1: because I'm like, I don't want to guess because she
Speaker 1: has the kids pick out whatever, and it's hilarious because
Speaker 1: it'll be like, you know, like toys, and it'll also
Speaker 1: be like socks, lunchbox. I'm like, I feel like this
Speaker 1: is a mommy register.
Speaker 2: She's like, whatever, girl, just get and people avoid the
Speaker 2: nice practical things. It's really annoying because it would.
Speaker 1: Be like socks, I didn't add that on here. She's like,
Speaker 1: don't worry, I'm trying to get something done. But you
Speaker 1: know you could also do too. This is that's actually
Speaker 1: has been really helpful for purchasing furniture for the new place.
Speaker 1: Is that my designer. She will screenshot the furniture and
Speaker 1: then do a Google image to look up because all
Speaker 1: these places, all my classes, what many like. I bought
Speaker 1: a back from Vanity and it was originally I really
Speaker 1: loved it. Originally it was twenty three hundred dollars. No, no,
Speaker 1: it was more than that. It was like over three
Speaker 1: thousand dollars. I'm like, I'm not paying that. And so
Speaker 1: we did a Google look up and found in someplace else,
Speaker 1: like I don't know, bed back, some place I didn't
Speaker 1: even know they.
Speaker 2: Sold Vanity allmodern dot com yeah or whatever.
Speaker 1: We found it for fifteen hundred dollars half off, so
Speaker 1: the same Vanity really beautiful, and I was like and
Speaker 1: so like, so it's just even searching for certain things,
Speaker 1: don't be afraid to do a Google look up to
Speaker 1: see because they're all ordering from the same like manufacturer,
Speaker 1: and then they're putting based upon whatever their brand equity is,
Speaker 1: whatever their brand name is, putting like slapping, you know,
Speaker 1: they're like, well it's from here, so it's more money.
Speaker 1: So that Google photo lookup is everything. Honestly, I love
Speaker 1: Google lens.
Speaker 2: Nothing is safe. Now, I'll we'll figure out where you
Speaker 2: got everything. Oh well, you guys can check out made
Speaker 2: Whole get the book. It's on sale. Yesterday, so you're
Speaker 2: late if you haven't gotten me yet. Maid Whole workbook
Speaker 2: dot Com, congratulations to thank you. Another bestseller in the making.
Speaker 1: Well, workbooks don't make the New York Times Bestsellers list.
Speaker 2: But still there's other bestsellers.
Speaker 1: Yeah, we're please. Came about all that. Now, just go
Speaker 1: ahead and get your get your work. Like you know,
Speaker 1: we don't get you on a New York Times bestseller,
Speaker 1: but I already got mine, Chop, I never get another one.
Speaker 1: They still have to call.
Speaker 2: Me chapter one one stuff at a time. Manitor said
Speaker 2: she liked it, and I cried, do that talk more times?
Speaker 1: Guys. I can't wait to read it.
Speaker 2: All right, let's take a quick break and we'll come
Speaker 2: right back for a little Thanksgiving booster break.
Speaker 1: Yes, and we're back, and we're black to boost or
Speaker 1: break and now it's time to boost up, break up,
Speaker 1: boost up, break up, boost up, break up? Boo boo?
Speaker 1: Is you gonna break? What you're gonna do, what you're
Speaker 1: gonna take? Sidebar. The girl said, we love when you
Speaker 1: sing on the show. I was like, I sing on
Speaker 1: the show, and I'm like, oh, that's would too.
Speaker 2: My nightmare is when you're gone and I have to
Speaker 2: sing like you guys don't really want this for me?
Speaker 2: Do like like it is time to boost to break,
Speaker 2: ladies and gentlemen, do.
Speaker 1: You want to go first? So do you want to boot?
Speaker 2: I'll do first. So I wanted to boost. I actually
Speaker 2: thought of this because I'm trying to We just talked
Speaker 2: about the holidays and how I'm finding myself very tempted
Speaker 2: to buy a lot for the kids. But one of
Speaker 2: my neighbors put me on to this Facebook group called
Speaker 2: the buy Nothing Uh and insert your town's name or
Speaker 2: your city's name. They're very specific to your city, and
Speaker 2: it's such a treasure trove. It's like, you know, hundreds
Speaker 2: of people are in are in our buy nothing group
Speaker 2: on Facebook, and you can post things like I just
Speaker 2: I'm in the basement. So I posted some flooring that
Speaker 2: we never used. Someone's already scooped it up. And then
Speaker 2: the thing that I was looking for for for remy
Speaker 2: I put an in search of and someone's like, yes,
Speaker 2: let me go at the basement.
Speaker 1: I'm gonna look one up.
Speaker 2: So if you're especially if you're someone with kids, or
Speaker 2: you're you know, even if you're like renovating or flipping something,
Speaker 2: the buy nothing groups on Facebook are clutch because it's
Speaker 2: all about like the recycle economy and not having to
Speaker 2: buy brand new things. Even if you can afford nice things,
Speaker 2: why not just like you know, give give something to
Speaker 2: a new home, give it a new lease on life.
Speaker 2: So buy nothing on Facebook. Go check them out.
Speaker 1: I'm like looking up. Now, is it bad if you
Speaker 1: try to, like, you know, buy nothing from a from
Speaker 1: a neighboring wealthy down?
Speaker 2: Wow, this is the thing. They when I went to
Speaker 2: sign up because I wasn't a buy nothing for my city.
Speaker 2: But then I went to check it and it was like, oh,
Speaker 2: we've just we've closed this group. Now there's a buy
Speaker 2: nothing for your town. And when I when I, they
Speaker 2: ask you questions like what's your cross street? And can
Speaker 2: you promise that you're not you don't You're in no
Speaker 2: other buy nothing groups. We want to keep it all
Speaker 2: in this group, so they don't want to see that
Speaker 2: you're in other buy nothing groups in different places. To
Speaker 2: your point about like where the rich area codes are
Speaker 2: and stuff.
Speaker 1: Yeah, no, I don't know if I'm able to see
Speaker 1: what town you live in. Let me just go ahead
Speaker 1: and on cancel that request. Yeah, because the town that
Speaker 1: I haven't. You know, I'm not the racist. No, it's
Speaker 1: not racist.
Speaker 2: I didn't say I can see what town you live in.
Speaker 1: Yeah, I was like. I was like, it's like we
Speaker 1: have to cancel requests because we're able to if I'm
Speaker 1: not able to see what town you live in and
Speaker 1: you know my town is on my thing, and I'm like, yeah,
Speaker 1: I mean I can understand now because you can't be
Speaker 1: over here, like.
Speaker 2: I haven't even given a new work a chance yet
Speaker 2: to go on. Now stop.
Speaker 1: I love my city, but I don't know.
Speaker 2: Yeah, what do you think I'm gonna find? Now? I
Speaker 2: want to know what is on the buy nothing in Newark?
Speaker 1: Go yeah, buy nothing? I mean I don't even know.
Speaker 1: You never know, You're right. I feel like, does even Newark,
Speaker 1: New Jersey have a buy nothing? Yell buy nothing Newark? Okay?
Speaker 1: I mean it's just, oh, here's the thing, though there's
Speaker 1: multiple there's newer Work, Delaware, responsible Newark buy nothing. Let
Speaker 1: me see. I wonder if this is the right to Newark.
Speaker 1: I don't know, buy nothing Newark? Okay? Well, I have the.
Speaker 2: Jersey City buy nothing downtown Jersey City.
Speaker 1: Yeah, but I'm not you know, I don't I don't
Speaker 1: know if they're gonna accept me, but anyway, I'm gonna
Speaker 1: se because I like that idea, you know. So my
Speaker 1: boost is super easy, breezy because I'm like, I'm not
Speaker 1: gonna do a break child. It's right before the thanks
Speaker 1: of the Giving, and so my boost is I'm just
Speaker 1: so glad that I have been able to convince my
Speaker 1: very traditional African mama that it is okay to order
Speaker 1: all the Thanksgiving food so she doesn't have to be
Speaker 1: stressed out, you know, like I love that for her.
Speaker 1: My mom is in my hey, Sylvia, I know you
Speaker 1: don't listen because girl, you wouldn't even know how, but
Speaker 1: she is in her soft g era and I love
Speaker 1: that for her, Like she worked so hard for so
Speaker 1: long as a nurse, which was really like a lot
Speaker 1: on your body, you're always on your feet, and then
Speaker 1: raising five girls doing our handmade so we were cute
Speaker 1: taking us to church, you know, not that my dad
Speaker 1: didn't participate, but you know, moms end up being typically
Speaker 1: the primary, you know, of child rear, although my dad
Speaker 1: was really active too, but you know, a lot of
Speaker 1: it fell on her, especially were all girls, and she
Speaker 1: did a lot of sacrificing I mean she literally didn't
Speaker 1: stop working nights until Lisa was in college because she
Speaker 1: wanted to be home during the day in case we
Speaker 1: needed her, and then totally messed up her sleep pattern.
Speaker 1: You know, to this day, she has a hard time
Speaker 1: sleeping through the night because her body is like, no, girl,
Speaker 1: that's when we work, you know. And so I just
Speaker 1: think about all that. So when I was able to
Speaker 1: pay off the house for them, maybe like five six
Speaker 1: years ago, I was able to do so, you know,
Speaker 1: and being able to send them money every month, I
Speaker 1: send my dad a mom like separate checks as per
Speaker 1: their request. Really, I was like, why don't I just
Speaker 1: do My mom was like, no, I want my send
Speaker 1: me a check separately. I'm like a check, you know what,
Speaker 1: I forget? So I send them. I mean, you know,
Speaker 1: but I love the fact that like that money is like,
Speaker 1: you know, the bills already paid, So that money is
Speaker 1: just money for her to just enjoy and my dad
Speaker 1: to do whatever he wants to do with it. And
Speaker 1: so it took her years of me sending her that
Speaker 1: money before she realized she could kind of spend it,
Speaker 1: because you know, you know, as a as a mom, manny,
Speaker 1: how much you just like innately, you know, you're sacrificing.
Speaker 1: So she didn't even know when there was nobody to
Speaker 1: sacrifice for how not to squirrel it away because she'd
Speaker 1: be like, I'm saving it. I'm like for what Since
Speaker 1: we're here now, She's.
Speaker 2: Like, maybe you'll need it one day. I'll save it
Speaker 2: for you. She was saying, literally believe it.
Speaker 1: And I was like, oh, mommy, no ho. She was
Speaker 1: like yeah, but what if Lisa, And I'm like, well,
Speaker 1: then I will will take care of that when it comes.
Speaker 1: Like this is supposed to be for you to just say,
Speaker 1: oh I like that dress, or you know what, I
Speaker 1: do want to get my nails done. It took her
Speaker 1: almost two years to give herself something nice. And now
Speaker 1: I don't unleash the beast because I turned around. You
Speaker 1: know how much this dress cost. It was his fancy,
Speaker 1: you know, and I just love that. I was like,
Speaker 1: look at Mommy, her soft girl. Error. She's just like,
Speaker 1: you know, I get my hair done, I buy my dresses.
Speaker 1: Everything is okay, she said. I just I'm enjoying life,
Speaker 1: you know. And and finally the last frontier was Thanksgiving,
Speaker 1: because you know that's stressful for the mamas. You know
Speaker 1: for those who cook, and so I remember it was
Speaker 1: maybe like the first time we got something made for
Speaker 1: Thanksgiving was maybe like three or four years ago. It
Speaker 1: was like she was like, I really don't want to
Speaker 1: make the turkey this year. And so Vonda was doing
Speaker 1: her famous fried turkey. And so my friend Vonda, who
Speaker 1: did my she did my all, my wedding anniversary, she
Speaker 1: did my wedding, she did my fortieth birthdays. And Vonda
Speaker 1: is a good friend who makes amazing food. And so
Speaker 1: I was like, okay, I'll see if someone makes turkeys,
Speaker 1: and Vonda did. So I picked up a turkey. And
Speaker 1: then the next year it was like, okay, turkey and
Speaker 1: maybe some sides, but she's still largely cooked my mom.
Speaker 1: And then like last year, it was all Vonda. And
Speaker 1: so this year my mom was like, so is that
Speaker 1: Vonda going to be Mickey. I'm like, oh, look at mommy,
Speaker 1: she is ready. And so I love that. So I
Speaker 1: called Vonda. She's making all the fixed things. I also
Speaker 1: added in Nisha, who's to cook for me and Jarell,
Speaker 1: because Nisia makes amazing turkey chops, which I don't really
Speaker 1: eat turkey, but like I think about pork chops. But
Speaker 1: I don't eat work and so, but like so made
Speaker 1: in a pork chop fashion. But turkey, they interests want
Speaker 1: to tell you made it so good because turkey. Usually
Speaker 1: I don't really like turkey, even on Thanksgiving. I find
Speaker 1: it to be kind of dry, even when it's done.
Speaker 2: Well, really advertizing word.
Speaker 1: No but turkey. Nissa's turkey chops gravy, the ooh salamon,
Speaker 1: and her corn bread. NIS's corn bread is top. Her
Speaker 1: corn bread is almost like buttercake. It is so delicious.
Speaker 1: So I asked you she can make corn bread and
Speaker 1: turkey chops, and then Vonda is going to make the
Speaker 1: rest of the thing. So literally, it was texting today
Speaker 1: it was like, what are we doing for Thanksgiving? I'm like,
Speaker 1: it's already done, just come. So I always have plates
Speaker 1: and cups and napkins. I just ordered those like food burners,
Speaker 1: sternal things that you put underneath the you know, the pants,
Speaker 1: make it keep it warm. So I love the fact
Speaker 1: that everyone's just gonna be able to come in enjoy.
Speaker 1: There's no stress for me either, because everything's here already.
Speaker 1: It's the house is already very kid friendly, so the
Speaker 1: kids can play. They're very comfortable, so it'd be a
Speaker 1: really nice, family, laid back Thanksgiving. So I that is
Speaker 1: my boost that you know that we are all kind
Speaker 1: of like in this soft girl error and that family
Speaker 1: traditions change and that can be positive too. And so
Speaker 1: you know, we wish that you you listen to this
Speaker 1: on Wednesday, So we hope that you have how whatever
Speaker 1: you celebrate, even if you don't celebrate Thanksgiving, we can
Speaker 1: understand why some people might not. Certainly I'm not celebrated
Speaker 1: celebrating the colonization of this country, but I am celebrating
Speaker 1: the fact that I get to spend time with my family.
Speaker 2: And yeah, for you brings home up color your own pilgrim,
Speaker 2: I'm gonna have to sit him down and have a talk.
Speaker 2: I'll start them early, I know, like, oh, my goodness,
Speaker 2: my little colonizer. He has a robot for a face.
Speaker 2: Oh let's talk.
Speaker 1: About my gosh. But yeah, so we just hope that
Speaker 1: you have an awesome time with your family. And if
Speaker 1: you can't have awes time with your family for whatever reason,
Speaker 1: we hope that you find somebody or somebody's to like
Speaker 1: spend time with. And you know that if you so wish.
Speaker 2: Yeah, well I'm thankful for you, NBA fan as ever,
Speaker 2: Thank y'all so much for all the support, all the love,
Speaker 2: and for I was always holding us down.
Speaker 1: Always another Turkey day in the books. I know. Well,
Speaker 1: we'll see you on Friday, though, Please don't play yourself
Speaker 1: after Thanksgiving. You gotta be bored.
Speaker 2: Listen to that Friday, I give it. Thank you, Okay,
Speaker 2: bye y'all.
Speaker 1: Bye,