WEBVTT - "Made Whole" OUT NOW!

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<v Speaker 1>Hey, hey, hey, we're back. We're black. We're black. Ambition ambition, ambition, ambition, ambition,

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<v Speaker 1>Shit my neck, man just in here with this yellow one,

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<v Speaker 1>give me. That's what I said. So y'all didn't hear.

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<v Speaker 1>But as soon as many came on, I said, okay,

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<v Speaker 1>yellow you know that's that's black speak for like we

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<v Speaker 1>see you look fabulous, you know.

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<v Speaker 2>Or be like okay, Carls Yes, okay.

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<v Speaker 1>So sidebar before I forget, because you know how my

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<v Speaker 1>memory is. So I was in Washington, d C. This

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<v Speaker 1>weekend to launch the new book Made Whole, and so

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<v Speaker 1>it was awesome, and I'll talk a little bit about, like,

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<v Speaker 1>you know, like the event, but I was at the monument.

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<v Speaker 1>I took the kids, woman and familiar with with me.

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<v Speaker 1>My two sisters, Tracy and Carol came and we took

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<v Speaker 1>them to this monument and this woman looked at me

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<v Speaker 1>and was like, oh my god, Oh my god. I

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<v Speaker 1>was like, okay, she was like oh my god. And

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<v Speaker 1>then her boyfriend was you could tell. He said, who

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<v Speaker 1>is it? He was like, She's like, you know that

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<v Speaker 1>podcast that I'm always listening to. Yes, yes, And she

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<v Speaker 1>was right wild, yes, she was like this is her

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<v Speaker 1>well one of her, you know, she was so excited

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<v Speaker 1>love and the way he looked like oh yeah, like

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<v Speaker 1>almost like that dag All podcast. But I just loved that.

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<v Speaker 1>I was like, wait out tell Mandy. And even at

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<v Speaker 1>the event, so I partnered with Mahogany Books, which is

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<v Speaker 1>this black On bookstore all my husband and wife. They

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<v Speaker 1>have three locations. Amazing. Romanda and her husband are totally amazing.

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<v Speaker 1>And it was like over one hundred and fifty people

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<v Speaker 1>came standing room only. At one point they had a DJ.

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<v Speaker 1>It was just a good black time. Yes, And so

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<v Speaker 1>what I love is everyone who stood up, you know,

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<v Speaker 1>they'd be like, you know, like to ask a question.

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<v Speaker 1>I would say a good eighty percent of them were like, Tiffany,

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<v Speaker 1>I love all that you do. You know, I love

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<v Speaker 1>the you know, I love the Budgetista. We all love

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<v Speaker 1>Brown Ambition. And to see over my head's like, I.

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<v Speaker 2>Was like, oh my god.

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<v Speaker 1>Literally it was like and I want to say it

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<v Speaker 1>because we took on in like five or six questions,

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<v Speaker 1>four people were just like and we love Brown Ambition

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<v Speaker 1>and like say hi to Mandy. I know you don't hug,

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<v Speaker 1>but it just yeah, it just felt really really really

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<v Speaker 1>like great because sometimes, like you know, me and Mandy

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<v Speaker 1>always say it like I always forget sometimes I'm just like,

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<v Speaker 1>I'm just here talking to my friend Mandy, and so

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<v Speaker 1>I forget that you guys are also listening and participating,

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<v Speaker 1>you know, and this like you know, So it's just

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<v Speaker 1>I love to see it like out in the wild

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<v Speaker 1>because you know, Mandy and I will talk. I'm like,

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<v Speaker 1>all right, Garlait, did we see our air right?

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<v Speaker 2>We were just talking like like we talked for an

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<v Speaker 2>hour twice this weekend. Yes, they exactly could have had

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<v Speaker 2>two shows.

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<v Speaker 1>In the can for real and it was really and

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<v Speaker 1>even before we were myself, Mandy and our producer Imani

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<v Speaker 1>were just talking about how this season is really hard,

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<v Speaker 1>like everyone is so stressed out.

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<v Speaker 2>We're all having the exact same thought, which is, yes,

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<v Speaker 2>where's mom, where's the grown up? And I hate to

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<v Speaker 2>proliferate the pressure on moms, but the way we carry

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<v Speaker 2>women in general the holiday season and you don't realize

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<v Speaker 2>that as a kid, Yeah, I didn't know what was

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<v Speaker 2>coming for me as a woman.

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<v Speaker 1>I just was excited about, like girl, Thanksgiving, however, that

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<v Speaker 1>didn't get to the table, not my problem. And Christmas, however,

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<v Speaker 1>all my toys, get under the tree again.

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<v Speaker 2>I tried my little list and leave it and then.

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<v Speaker 1>Get I mean, that's it. I mean. So, I was

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<v Speaker 1>just talking with Evanni and Man and Mandy just about

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<v Speaker 1>how like right now this morning, I was just felt

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<v Speaker 1>really overwhelmed today. You know, the well while you're listening

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<v Speaker 1>to this ba fan, it will be the day after

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<v Speaker 1>the book came out officially, but that I feel a

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<v Speaker 1>little overwhelmed that I want to make sure I'm real

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<v Speaker 1>consciously doing more being versus doing, Like that's the life

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<v Speaker 1>that I'm working toward. It is like I don't want

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<v Speaker 1>to have to always be in motion or you know,

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<v Speaker 1>like sometimes I just want to be like in one

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<v Speaker 1>spot and listening to a book or taking a walk

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<v Speaker 1>or when I feel like this last quarter has been

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<v Speaker 1>very very very busy.

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<v Speaker 2>And single tasking.

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<v Speaker 1>Yeah, not just all the things and so and I

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<v Speaker 1>was telling Emiani in particular, I was like, you start

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<v Speaker 1>to realize as you get older that like when you

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<v Speaker 1>were in school, they created breaks for you. There was

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<v Speaker 1>summer break, winter break, howiday break, you know, springs break,

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<v Speaker 1>there were weekends, you know, and as an adult, if

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<v Speaker 1>you're not careful, you'll you will forget that those breaks

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<v Speaker 1>were created externally and that you have to on purpose

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<v Speaker 1>create breaks for yourself now. If not, you will just

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<v Speaker 1>work all the way through. And I've done that, like

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<v Speaker 1>no stop, work all the way through, all.

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<v Speaker 2>The way through the summertime, always since the month where

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<v Speaker 2>I'm just like, but why are we hear?

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<v Speaker 1>Child?

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<v Speaker 2>Doesn't I'm like thinking about friends, you know, it's also December.

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<v Speaker 1>Intentionally taking breaks is something that like, as an adult,

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<v Speaker 1>you're like, wait, I have to do it. If not,

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<v Speaker 1>I will just keep going until, like my body says,

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<v Speaker 1>lay down, you know.

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<v Speaker 2>And take a break for yourself too. It doesn't have

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<v Speaker 2>to be for a big family vacation, you know. The

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<v Speaker 2>other day and I was, I was really in a

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<v Speaker 2>spot of overwhelm and I called my mommy because as

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<v Speaker 2>you do. And I'm so grateful that I can. I

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<v Speaker 2>know some of us, a lot of people out there

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<v Speaker 2>don't have. Whether you're not, you don't And this is

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<v Speaker 2>the holiday, so it's like whether or not you have

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<v Speaker 2>a good relationship with your family, it all comes up

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<v Speaker 2>and if they're not no longer here, like how do

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<v Speaker 2>you move on without them? And so I just want

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<v Speaker 2>to hold space for everyone who's dealing with that, but

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<v Speaker 2>I did. I'm fortunate to have my mommy still here,

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<v Speaker 2>so I called her and we were both just trying

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<v Speaker 2>to figure out what I could do to like chill out.

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<v Speaker 2>And it was like eleven am on a Tuesday, and

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<v Speaker 2>she said, you know what, take a bubble bath, right now,

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<v Speaker 2>go take a bath. And I was like, I can't.

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<v Speaker 2>Oh well, that's a great idea. And I took a

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<v Speaker 2>bath in the middle of the day and I did

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<v Speaker 2>a little meditation, like a five minute calm me meditation,

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<v Speaker 2>and just floated and it was I mean, I had

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<v Speaker 2>to clean the bathtub first because my son bathes in

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<v Speaker 2>there and I know where he's been, so it goes

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<v Speaker 2>a little bit of work to start. But yeah, even

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<v Speaker 2>just that like little half hour, you know, it really

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<v Speaker 2>reset me. So to anyone who's feeling that sense of overwhelm,

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<v Speaker 2>what's like, what's the one thing.

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<v Speaker 1>You can do just to like reset? Where's your saving

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<v Speaker 1>base walk? For me? I love a long hot shower.

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<v Speaker 1>I have like a bench of my shower since I'll

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<v Speaker 1>just sit there and be like, rain down, calm me.

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<v Speaker 1>I mean, I thought, I'm sorry, but I need it.

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<v Speaker 2>Water. It is, it truly is even the sound of it.

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<v Speaker 2>So sitting in a nice, steamy shower, you know. I

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<v Speaker 2>had my sister. I told she's we're the same, and

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<v Speaker 2>she was like, I'm really overwhelmed too. And I was like, well,

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<v Speaker 2>I took a bath. She's like, do you know how

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<v Speaker 2>much work it is to take a bath. You got

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<v Speaker 2>a shower first because you don't want to set in

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<v Speaker 2>your own funk, which I had to do too. And

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<v Speaker 2>I'm like, hey, yeah, I did all that, and then

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<v Speaker 2>I had it like, you know, it's sometimes if it's

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<v Speaker 2>work to do the thing, maybe don't do that thing. Yeah,

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<v Speaker 2>but something even sitting in my car and just driving

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<v Speaker 2>to a pretty place, Yes, I love.

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<v Speaker 1>That's one of my favorite things too, is that because

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<v Speaker 1>I live by a park and I thought about that today.

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<v Speaker 1>I was like, maybe I should just drive to the

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<v Speaker 1>park or walk to the park and sit on the

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<v Speaker 1>bench and just like cause the trees are still you know,

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<v Speaker 1>largely they've lost a lot of their you know, pretty leaves.

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<v Speaker 1>They have changed colors, but there are still some trees

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<v Speaker 1>that are just magnificent. And you know, I love to

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<v Speaker 1>listen to like a book or like music. There's a

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<v Speaker 1>song that I I saw it on this guy's YouTube.

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<v Speaker 1>He's a is the a neurologist, what's another brain doctor?

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<v Speaker 2>Neurologists is a brain doctor?

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<v Speaker 1>No neuro certain Yeah, he's a neurologist. I'm not gonna

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<v Speaker 1>say nourose surgeon. But he's not a north He's not

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<v Speaker 1>a uh. But so he's a neurologist. And he shared

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<v Speaker 1>this a specific song that they had done this research

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<v Speaker 1>and study about that helped to bring helps to bring

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<v Speaker 1>down anxiety. It's called and I'm not gonna lie, it's

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<v Speaker 1>been working so when I wake up in the morning.

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<v Speaker 1>So after Darrell passed away, doctor Green, my therapist, I

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<v Speaker 1>was like, I woke up. I used to wake up

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<v Speaker 1>with so much anxiety, and she suggested me listening to Beethoven.

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<v Speaker 1>There was like some music like no no words, just

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<v Speaker 1>like classical music, and that really helped a lot first

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<v Speaker 1>thing in the morning to not start with so much

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<v Speaker 1>jarring energy. And so I saw this neual, this neurologist

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<v Speaker 1>say that there's a specific song that they've done research

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<v Speaker 1>on and that it creates a similar kind of like

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<v Speaker 1>slowing down, you know. And so let me tell you

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<v Speaker 1>the name of it. It's called Weightless. But I want

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<v Speaker 1>I want to tell you who it's by. My library

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<v Speaker 1>playlist songs waitless, bye, wait okay bye Marconi Union. So

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<v Speaker 1>it's called wait list by Marconi Union. So literally I

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<v Speaker 1>put it on, I put it on repeat. And so

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<v Speaker 1>I have certain things that I do in the morning,

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<v Speaker 1>you know, like get up, I make my bed, I

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<v Speaker 1>brush my teeth, so all what I'm doing these things

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<v Speaker 1>in the morning. I used to sometimes let me just

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<v Speaker 1>check my email real quick and then the wrap it

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<v Speaker 1>down the wrapper hole you go. And so I will

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<v Speaker 1>play this because I would say eighty percent of the

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<v Speaker 1>time I start my day with a walk. So I

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<v Speaker 1>will play this until I get outside walking. So it's

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<v Speaker 1>like it helps me to focus on no, no, no, we're

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<v Speaker 1>opening the windows, we're getting up, we're brushing teeth, we're

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<v Speaker 1>making bed, we're not doing any work things until you

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<v Speaker 1>get outside. Because once I get outside for the walk,

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<v Speaker 1>then the walk and the nature takes over and then

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<v Speaker 1>I can like you know, and so like, you know,

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<v Speaker 1>that's just something to think about. Like, but yeah, wait

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<v Speaker 1>Lists by Marconi Union. You know it's I mean, it's

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<v Speaker 1>you know, you're not going to jam it to it.

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<v Speaker 2>Yeah, it's just like that this this morning we're having

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<v Speaker 2>like parallel moments, I think because this morning I was

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<v Speaker 2>That's when we talked on Friday, when I was doing

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<v Speaker 2>a milk drop yes Yes, on the way to I

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<v Speaker 2>was like, I'm super woman, I'm gonna my I'm dropping

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<v Speaker 2>remming off with mother in law who lives thirty minutes away,

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<v Speaker 2>and I do the back and forth commute after a

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<v Speaker 2>drop off Rio and it is very helpful, but it's

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<v Speaker 2>also very challenging because she lives in a very congested

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<v Speaker 2>area in Manhattan called Inwood, and my god, the exit

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<v Speaker 2>exit nine, if you know what I'm talking about, on

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<v Speaker 2>eighty seven is just a cluster, you know what. And

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<v Speaker 2>most days I can go to the sunken place where

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<v Speaker 2>I live. Sometimes when the kids are crying and when

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<v Speaker 2>I'm on that particular exit on the highway and I

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<v Speaker 2>just need to breathe. But yeah, today was super stressful

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<v Speaker 2>and I was taking again taking my son taking me

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<v Speaker 2>to a Boila's, but this time because of what happened Friday,

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<v Speaker 2>so I had to get up. He spent the night

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<v Speaker 2>for the first time ever. That was the first little

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<v Speaker 2>piece of stress. I had to get chapter one of

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<v Speaker 2>my book done. The second chapter one, Yeah, I did

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<v Speaker 2>it over again and anyway, so he stayed over, but

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<v Speaker 2>she ran out of milk at three am. And I've

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<v Speaker 2>been exclusively breastfeeding, which I did for Rio. But I

0:11:25.840 --> 0:11:28.160
<v Speaker 2>realized like it was the pandemic. We were never not

0:11:28.240 --> 0:11:30.440
<v Speaker 2>with each other, so it wasn't that it was nothing.

0:11:30.480 --> 0:11:34.800
<v Speaker 2>You know, this is very something. And so today I

0:11:34.840 --> 0:11:39.560
<v Speaker 2>brought formula with him, and I was like, you know,

0:11:39.679 --> 0:11:41.840
<v Speaker 2>I was gonna. I knew I was walking into like

0:11:41.880 --> 0:11:44.360
<v Speaker 2>having to explain to a boila, like here's the formula,

0:11:44.400 --> 0:11:48.160
<v Speaker 2>here's why. Luckily she was supportive. Sometimes you know, now

0:11:48.200 --> 0:11:51.199
<v Speaker 2>it's like flipped. Now you get shamed for not breastfeeding.

0:11:53.160 --> 0:11:56.720
<v Speaker 2>But just I can't. I can't. I can't be driving,

0:11:57.440 --> 0:11:59.520
<v Speaker 2>you know, thirty minutes each way just to drop off

0:11:59.559 --> 0:12:00.400
<v Speaker 2>a baggie of milk.

0:12:01.280 --> 0:12:02.160
<v Speaker 1>But on the way.

0:12:01.920 --> 0:12:06.600
<v Speaker 2>Home, I just I could. I on my little hands

0:12:06.600 --> 0:12:10.400
<v Speaker 2>free thing. I was like, play calming music, please, just something,

0:12:10.840 --> 0:12:13.319
<v Speaker 2>and it was, you know, it sounded like the background

0:12:13.400 --> 0:12:15.839
<v Speaker 2>music if you were to do like a meditation app.

0:12:17.120 --> 0:12:18.440
<v Speaker 1>It was it sounds like that.

0:12:18.920 --> 0:12:20.320
<v Speaker 2>Now you don't want to fall asleep. So I don't

0:12:20.320 --> 0:12:23.640
<v Speaker 2>recommend it on the highway. But I drive a car.

0:12:23.840 --> 0:12:27.040
<v Speaker 2>I drive a Tezzi and fuck, I love this car.

0:12:27.160 --> 0:12:28.400
<v Speaker 1>I know we don't like you.

0:12:28.320 --> 0:12:32.480
<v Speaker 2>Know who, but I love this car all my god. Okay,

0:12:32.520 --> 0:12:35.160
<v Speaker 2>so there's an auto driving feature, I literally and it's

0:12:35.200 --> 0:12:37.760
<v Speaker 2>and I turned on the rainbow Road feature, so I

0:12:37.880 --> 0:12:41.280
<v Speaker 2>just like tapped the little the little gearshift for thinkingmajigger

0:12:41.360 --> 0:12:43.800
<v Speaker 2>twice and then the rainbow Road comes on and the

0:12:43.840 --> 0:12:45.880
<v Speaker 2>car is driving for me, and I just have my

0:12:45.960 --> 0:12:49.160
<v Speaker 2>hands right here and yes I'm paying attention and ten

0:12:49.200 --> 0:12:51.400
<v Speaker 2>and two and all that, and I'm holding on, but

0:12:51.720 --> 0:12:54.040
<v Speaker 2>a little piece of my brain can kind of float

0:12:54.720 --> 0:12:56.920
<v Speaker 2>because the car is sort of taking over for me

0:12:58.000 --> 0:13:00.680
<v Speaker 2>in that small way. So I the best I could

0:13:00.679 --> 0:13:03.440
<v Speaker 2>do today to get to get back to centered.

0:13:04.120 --> 0:13:06.040
<v Speaker 1>It's good to talk about these things because sometimes we

0:13:06.080 --> 0:13:08.520
<v Speaker 1>think that we're like alone and the overwhelmed with the

0:13:08.559 --> 0:13:11.560
<v Speaker 1>over the work or the whatever, and it's just nice

0:13:11.600 --> 0:13:13.640
<v Speaker 1>to know that you're not and that we are all

0:13:13.640 --> 0:13:17.160
<v Speaker 1>living kind of like these parallel lives. And then here's

0:13:17.160 --> 0:13:19.080
<v Speaker 1>some solutions. You know that if you found a thing,

0:13:19.280 --> 0:13:20.320
<v Speaker 1>so you.

0:13:20.320 --> 0:13:22.720
<v Speaker 2>Know what I realized too. If you're listening to broad Ambition,

0:13:22.840 --> 0:13:25.520
<v Speaker 2>I hope that you're doing something because usually people listen,

0:13:25.640 --> 0:13:28.199
<v Speaker 2>like in the car oh, maybe while you're taking a walk.

0:13:28.240 --> 0:13:30.640
<v Speaker 2>I hope that right now, like I hope broad ambition

0:13:30.800 --> 0:13:33.280
<v Speaker 2>can be you know, if that helps you can be

0:13:33.320 --> 0:13:35.840
<v Speaker 2>a companion to your Yes, we'd love to be your

0:13:35.880 --> 0:13:39.840
<v Speaker 2>companion saw moment, because tis the season for all the

0:13:39.840 --> 0:13:44.400
<v Speaker 2>the things. Yes, absolutely. My therapist told me I need

0:13:44.440 --> 0:13:46.679
<v Speaker 2>to start a and I actually did. I started a

0:13:46.679 --> 0:13:50.200
<v Speaker 2>Trello board for my ideas because when I'm telling you,

0:13:50.240 --> 0:13:53.600
<v Speaker 2>I am my own worst enemy. It's my creativity because

0:13:53.679 --> 0:13:58.480
<v Speaker 2>I'll be like, what if I totally could Yeah, I

0:13:58.520 --> 0:14:00.360
<v Speaker 2>could do a lot of things. Like I'm in the

0:14:00.400 --> 0:14:02.760
<v Speaker 2>middle of one of my wild ideas, which does to

0:14:02.800 --> 0:14:06.480
<v Speaker 2>redo the basement for You's birthday, which is six days,

0:14:07.040 --> 0:14:08.880
<v Speaker 2>and I have all the things kind of laying here,

0:14:08.920 --> 0:14:10.880
<v Speaker 2>and I'm just like you think I can get a

0:14:10.880 --> 0:14:12.720
<v Speaker 2>task crabit on Thanksgiving?

0:14:13.200 --> 0:14:15.599
<v Speaker 1>Yeah, probably not Thanksgiving, but weak.

0:14:16.480 --> 0:14:19.440
<v Speaker 2>Like I don't know, but it's, you know, one of anyway.

0:14:19.520 --> 0:14:21.880
<v Speaker 2>So I'm trying to find a safe space, like a

0:14:21.960 --> 0:14:25.640
<v Speaker 2>not a safe space, a place to put my ideas

0:14:25.680 --> 0:14:29.520
<v Speaker 2>before they become a thing that destroys me. And I

0:14:29.680 --> 0:14:33.760
<v Speaker 2>back myself into corners with all my ideas, Tiffany, And

0:14:33.800 --> 0:14:37.440
<v Speaker 2>that's actually been nice I started it, and I have

0:14:37.560 --> 0:14:39.680
<v Speaker 2>like a little I won't tell you all my crazy ideas. Well.

0:14:39.720 --> 0:14:41.400
<v Speaker 2>One of them was to run a ten k and

0:14:41.440 --> 0:14:44.840
<v Speaker 2>have my my sister friend neighbor train me, which I

0:14:44.880 --> 0:14:47.520
<v Speaker 2>started to do and before I realized I can't commit.

0:14:48.320 --> 0:14:52.560
<v Speaker 1>To drink for you're also do you just had the baby?

0:14:53.600 --> 0:14:57.160
<v Speaker 1>You are working on the book, and so even just

0:14:57.200 --> 0:14:59.480
<v Speaker 1>saying like, you know you're gonna move your body and walk,

0:14:59.520 --> 0:15:03.640
<v Speaker 1>and but I not to not to jump shark, but

0:15:03.800 --> 0:15:07.960
<v Speaker 1>I would love for you to put on your journalist's hat. Okay,

0:15:08.280 --> 0:15:09.440
<v Speaker 1>you know because today it.

0:15:09.360 --> 0:15:10.160
<v Speaker 2>Never comes off.

0:15:10.840 --> 0:15:14.640
<v Speaker 1>Oh, today is made whole, like launch day. So I

0:15:15.960 --> 0:15:18.360
<v Speaker 1>would love like, so we're gonna name this episode actually

0:15:18.360 --> 0:15:20.520
<v Speaker 1>made whole. Let's be let's let's let's name it that.

0:15:21.120 --> 0:15:22.720
<v Speaker 1>And so I would love for you if I was

0:15:22.720 --> 0:15:26.640
<v Speaker 1>a guest on the show, hi, you know, just to

0:15:26.720 --> 0:15:29.200
<v Speaker 1>interview me so the girls can learn more about the

0:15:29.240 --> 0:15:33.480
<v Speaker 1>book that's coming out and where they can get it.

0:15:33.560 --> 0:15:34.360
<v Speaker 1>Let me get my book?

0:15:34.400 --> 0:15:37.600
<v Speaker 2>And she notice she didn't tell me I was working today,

0:15:37.600 --> 0:15:40.480
<v Speaker 2>you guys, I don't usually work during brown ambition.

0:15:40.880 --> 0:15:44.920
<v Speaker 1>But okay, now today's book episode, that's what I said it.

0:15:45.200 --> 0:15:47.440
<v Speaker 2>Where's my where's my free press copy? I know, you

0:15:47.440 --> 0:15:50.400
<v Speaker 2>know what, I totally for reader. I was like, what

0:15:50.560 --> 0:15:55.920
<v Speaker 2>did I say? I got your damn first book right

0:15:55.920 --> 0:15:59.320
<v Speaker 2>behind me free promo? Anyway, who my hair is blocking in?

0:15:59.680 --> 0:16:01.840
<v Speaker 2>That's my Now It's fine because I know a little

0:16:01.880 --> 0:16:04.160
<v Speaker 2>bit about Maidhole. Well, the first thing I want to

0:16:04.200 --> 0:16:08.680
<v Speaker 2>ask you, well, first, congratulations, because to get immediately, like

0:16:08.720 --> 0:16:11.120
<v Speaker 2>the only person I know who got a workbook after

0:16:11.280 --> 0:16:13.960
<v Speaker 2>the book was Michelle Obama. They were like, do a workbook?

0:16:14.760 --> 0:16:17.280
<v Speaker 2>So and I know that workbooks were becoming more popular,

0:16:17.320 --> 0:16:20.640
<v Speaker 2>but it's like a companion to a book that resonates.

0:16:21.080 --> 0:16:24.320
<v Speaker 1>And so first, congrats, thank you.

0:16:25.240 --> 0:16:28.320
<v Speaker 2>And second, what did they tell you? Did they what

0:16:28.520 --> 0:16:31.000
<v Speaker 2>is the workbook? Like? What is it? And then what

0:16:31.080 --> 0:16:33.400
<v Speaker 2>was your approach to creating it and making it your own?

0:16:33.560 --> 0:16:35.440
<v Speaker 2>To go with Get Good with Money?

0:16:35.640 --> 0:16:38.440
<v Speaker 1>So almost immediately they wanted me to do like a workbook,

0:16:38.480 --> 0:16:41.760
<v Speaker 1>you know. But you know, Jera had passed away, and

0:16:41.800 --> 0:16:44.440
<v Speaker 1>I was just like, I'm not doing anything, leave me alone.

0:16:44.680 --> 0:16:48.840
<v Speaker 1>But I realized that there were people who might have

0:16:48.960 --> 0:16:51.480
<v Speaker 1>read Get Good Money who might have felt a little

0:16:51.520 --> 0:16:55.000
<v Speaker 1>overwhelmed because it's really like a textbook, you know, Like

0:16:55.400 --> 0:16:57.040
<v Speaker 1>I like to think of Gigo money like kind of

0:16:57.080 --> 0:17:00.640
<v Speaker 1>like yeah, just like kind of like if I'm dating myself,

0:17:00.640 --> 0:17:04.520
<v Speaker 1>this encyclopedia for like the core components of your financial

0:17:04.520 --> 0:17:10.920
<v Speaker 1>life budgeting, savings, that credit, earning, investing, insurance, financial team, networth,

0:17:11.040 --> 0:17:14.359
<v Speaker 1>estate planning. Those are the ten steps to financial wholeness.

0:17:14.800 --> 0:17:17.760
<v Speaker 1>But then I knew that there were people who were like,

0:17:18.080 --> 0:17:21.200
<v Speaker 1>I wanted something that feels lighter, or I can kind

0:17:21.200 --> 0:17:24.600
<v Speaker 1>of get to the work more quickly, and so that

0:17:24.880 --> 0:17:26.880
<v Speaker 1>to me is the purpose of a workbook, you know,

0:17:26.960 --> 0:17:28.760
<v Speaker 1>Like I read like one of my favorite books is

0:17:28.800 --> 0:17:32.879
<v Speaker 1>called like the Twelve the twelve Week Year, So it's

0:17:32.920 --> 0:17:35.399
<v Speaker 1>this great book, and I was like, basically it was

0:17:35.440 --> 0:17:37.080
<v Speaker 1>a book that helped to reset the way I thought

0:17:37.080 --> 0:17:40.320
<v Speaker 1>about getting things done, helped to get me excited about like, oh,

0:17:40.920 --> 0:17:42.240
<v Speaker 1>what I could normally get done in a year, I

0:17:42.240 --> 0:17:43.880
<v Speaker 1>can get done in twelve weeks. But then I got

0:17:43.880 --> 0:17:45.639
<v Speaker 1>the work book because I'm like, now I'm ready to

0:17:45.680 --> 0:17:49.040
<v Speaker 1>do the work, Like walk me through the actual steps

0:17:49.119 --> 0:17:51.159
<v Speaker 1>although and get your money. I was pretty good at

0:17:51.160 --> 0:17:54.720
<v Speaker 1>doing that, but with made whole, I was like, here

0:17:54.800 --> 0:17:57.480
<v Speaker 1>are the steps to do the work that I'm talking about,

0:17:57.640 --> 0:18:00.440
<v Speaker 1>not just here are the steps in word form. Here's

0:18:00.440 --> 0:18:03.080
<v Speaker 1>what it looks like visually, Like say, if it was

0:18:03.080 --> 0:18:07.600
<v Speaker 1>a budgeting step, I show you someone's actual budget, you know, like,

0:18:07.840 --> 0:18:11.080
<v Speaker 1>here's what it looks like when properly done. And then immediately,

0:18:11.119 --> 0:18:13.919
<v Speaker 1>which is important, here's a blank space for you to

0:18:13.960 --> 0:18:16.320
<v Speaker 1>do the work right after learning about it, so you.

0:18:16.320 --> 0:18:17.200
<v Speaker 2>Can write in this thing.

0:18:17.720 --> 0:18:20.399
<v Speaker 1>Yes, it's a hard cover workbook. Yes, so that was

0:18:20.440 --> 0:18:22.720
<v Speaker 1>important to me. Yeah, and also it's important to me

0:18:22.760 --> 0:18:24.600
<v Speaker 1>that it was a hardcover workbook and that it was

0:18:24.680 --> 0:18:26.520
<v Speaker 1>wider because I wanted to have like so if you're

0:18:26.520 --> 0:18:29.560
<v Speaker 1>watching it, we could see it. So here it is like,

0:18:29.600 --> 0:18:31.080
<v Speaker 1>so here, I'll show you the difference. So this is

0:18:31.080 --> 0:18:31.840
<v Speaker 1>because like I don't.

0:18:31.760 --> 0:18:34.000
<v Speaker 2>I don't have a copy yet, just to reiterate that

0:18:34.359 --> 0:18:38.200
<v Speaker 2>I forgot it. But yeah, that looks nice for people

0:18:38.240 --> 0:18:39.000
<v Speaker 2>who have one.

0:18:41.119 --> 0:18:43.440
<v Speaker 1>Body. And then this is madeholds. He made wholes a

0:18:43.440 --> 0:18:46.199
<v Speaker 1>little wider, and because it's meant to like in a

0:18:46.200 --> 0:18:48.560
<v Speaker 1>little bit thinner, a little skinnier, she a little slim.

0:18:48.680 --> 0:18:51.760
<v Speaker 1>This is fix here. But also too, I wanted it

0:18:51.800 --> 0:18:54.240
<v Speaker 1>that wider because I wanted when you opened it, like

0:18:54.280 --> 0:18:55.879
<v Speaker 1>you could you know, because I'm like I would use

0:18:55.920 --> 0:18:58.040
<v Speaker 1>workbooks so you should be able to open it, lay

0:18:58.040 --> 0:18:59.040
<v Speaker 1>it flat and do the work.

0:18:59.119 --> 0:19:04.359
<v Speaker 2>Oh yeah, and it just relaxes, and so it was

0:19:04.400 --> 0:19:05.000
<v Speaker 2>important to me.

0:19:05.200 --> 0:19:08.240
<v Speaker 1>Then, you know, it was like, read the step, and

0:19:08.240 --> 0:19:11.359
<v Speaker 1>the steps are a little bit more, you know, more

0:19:11.400 --> 0:19:14.360
<v Speaker 1>concise than a get er with money, but then look

0:19:14.400 --> 0:19:16.520
<v Speaker 1>at it visually and then here's a chance to do

0:19:16.560 --> 0:19:18.640
<v Speaker 1>the step. So that was really important. So that's one

0:19:18.640 --> 0:19:21.080
<v Speaker 1>of the ways that it's different. Something else too that

0:19:21.119 --> 0:19:25.680
<v Speaker 1>I integrated into made holes that I know that as

0:19:25.720 --> 0:19:29.159
<v Speaker 1>an educator, I know that sometimes people get really overwhelmed.

0:19:29.640 --> 0:19:31.720
<v Speaker 1>You know, it's like, oh, this is you know, maybe

0:19:31.720 --> 0:19:35.320
<v Speaker 1>this chapter is ten fifteen pages. I'm feeling overwhelmed. I'm

0:19:35.320 --> 0:19:38.159
<v Speaker 1>not doing all this. So and some of the chapters

0:19:38.200 --> 0:19:40.600
<v Speaker 1>where it made sense, I added something called a quick start,

0:19:41.200 --> 0:19:43.080
<v Speaker 1>which is if you don't do any of these. So,

0:19:43.119 --> 0:19:46.320
<v Speaker 1>for example, with the budgeting chapter, I have a whole

0:19:46.359 --> 0:19:49.200
<v Speaker 1>budgeting system and you might not feel ready to quite

0:19:49.200 --> 0:19:50.840
<v Speaker 1>do it. So I'm like, even if you don't do

0:19:50.880 --> 0:19:54.960
<v Speaker 1>the whole budgeting system, here is a split it before

0:19:55.000 --> 0:19:58.160
<v Speaker 1>you get it step where if you don't do your budget,

0:19:58.480 --> 0:20:00.879
<v Speaker 1>if you just go to HR them to split your

0:20:00.880 --> 0:20:05.440
<v Speaker 1>money into these four bank accounts, your bill's account, your

0:20:05.640 --> 0:20:08.320
<v Speaker 1>spending accounts. These are two checking accounts, and the other

0:20:08.440 --> 0:20:11.920
<v Speaker 1>two are savings accounts, your short term savings or emergency

0:20:11.960 --> 0:20:16.600
<v Speaker 1>savings and long term savings account or goal savings account. Right,

0:20:16.640 --> 0:20:22.760
<v Speaker 1>so bills, spending, emergencies, goals. Right. If you split your

0:20:22.800 --> 0:20:25.640
<v Speaker 1>money there, then even if you don't do a budget,

0:20:25.880 --> 0:20:28.880
<v Speaker 1>it will help you to budget without budgeting, because ideally

0:20:28.920 --> 0:20:31.960
<v Speaker 1>you can have your bills paid automatically, or you can

0:20:32.000 --> 0:20:35.000
<v Speaker 1>pay them every two weeks or whatever yourself. You don't

0:20:35.040 --> 0:20:39.199
<v Speaker 1>have a debit card attached to that checking account, you

0:20:39.200 --> 0:20:41.440
<v Speaker 1>can literally call and get it detached. So when you're

0:20:41.480 --> 0:20:44.400
<v Speaker 1>out spending with the money that's left in your checking

0:20:44.440 --> 0:20:46.720
<v Speaker 1>account for spending, you know, you're not spending bill money,

0:20:46.840 --> 0:20:48.880
<v Speaker 1>you're not spending any of your savings. It's just money

0:20:48.920 --> 0:20:55.119
<v Speaker 1>set aside for groceries, going out, grooming, toiletries, whatever it

0:20:55.200 --> 0:20:57.960
<v Speaker 1>is that you're setting aside that money for and your

0:20:58.000 --> 0:21:00.840
<v Speaker 1>savings is that a totally different bank, so that way

0:21:00.880 --> 0:21:03.960
<v Speaker 1>you don't have these easy transfers, you know, and also

0:21:04.000 --> 0:21:06.040
<v Speaker 1>to you in a high yield savings account, which is

0:21:06.080 --> 0:21:09.000
<v Speaker 1>typically found with an online only bank anyway, and that

0:21:09.080 --> 0:21:10.960
<v Speaker 1>money is set aside in a way, and you know

0:21:11.040 --> 0:21:14.399
<v Speaker 1>that automatically you're setting aside of money for savings for

0:21:14.440 --> 0:21:16.840
<v Speaker 1>emergencies and savings for whatever goal you have a house

0:21:16.920 --> 0:21:19.400
<v Speaker 1>or car or whatever. And so that is a way

0:21:19.560 --> 0:21:21.879
<v Speaker 1>that's like a simple sample of a quick start.

0:21:22.160 --> 0:21:24.800
<v Speaker 2>It's like my bare minimum budgeting, which I mean, yeah, bare.

0:21:24.600 --> 0:21:28.040
<v Speaker 1>Minimum, Yes, I love that budget. Here's a quick start

0:21:28.040 --> 0:21:30.440
<v Speaker 1>that you can do by making a phone call to HR.

0:21:30.520 --> 0:21:33.080
<v Speaker 1>So there are quick starts throughout made whole that, which

0:21:33.119 --> 0:21:34.560
<v Speaker 1>is different from get going money.

0:21:35.040 --> 0:21:37.480
<v Speaker 2>If they're like a you know, we love a checklist,

0:21:37.760 --> 0:21:41.359
<v Speaker 2>they're just feeling like you've like done something. Does is

0:21:41.400 --> 0:21:44.200
<v Speaker 2>there any sort of feeling of okay, I've ticked off

0:21:44.280 --> 0:21:44.879
<v Speaker 2>this box?

0:21:45.280 --> 0:21:47.840
<v Speaker 1>You know, absolutely. So another thing that we had that

0:21:48.640 --> 0:21:51.480
<v Speaker 1>because every so there are ten steps in this book,

0:21:51.520 --> 0:21:54.320
<v Speaker 1>and at the end of each of the steps, you

0:21:54.440 --> 0:21:57.240
<v Speaker 1>I let you know visually and also just like congratulate

0:21:57.560 --> 0:22:00.760
<v Speaker 1>you that you're now twenty percent hole, You're now thirty

0:22:00.800 --> 0:22:03.080
<v Speaker 1>percent whole. You now, So it's like each step you

0:22:03.119 --> 0:22:04.960
<v Speaker 1>get to accumulate until you get to the last step

0:22:04.960 --> 0:22:07.720
<v Speaker 1>of state planning and you're one hundred percent hole. So

0:22:07.720 --> 0:22:09.479
<v Speaker 1>people are like, well, who, so you get that feeling

0:22:09.480 --> 0:22:12.800
<v Speaker 1>of like I am making movement forward. But there are

0:22:12.880 --> 0:22:15.800
<v Speaker 1>checklists in here for you too. There are things for

0:22:15.840 --> 0:22:20.240
<v Speaker 1>you to fill out. I have duplicates for free on

0:22:20.280 --> 0:22:22.879
<v Speaker 1>the website Mad Whole Workbook dot com. So if you

0:22:22.880 --> 0:22:24.600
<v Speaker 1>fill it out here and you're like, I want to

0:22:24.640 --> 0:22:26.800
<v Speaker 1>do that again, you can get a duplicate of anything

0:22:26.840 --> 0:22:31.000
<v Speaker 1>that's found in the book for free. Nice yeah, like

0:22:31.040 --> 0:22:32.439
<v Speaker 1>whether you yeah, whether you pay for it or not.

0:22:32.480 --> 0:22:34.120
<v Speaker 1>So let's just say you go to Maid Whole Workbook.

0:22:34.320 --> 0:22:37.159
<v Speaker 1>You can still download the toolkit and get all of

0:22:37.240 --> 0:22:40.560
<v Speaker 1>like the you know, the tools and things for free.

0:22:40.720 --> 0:22:42.040
<v Speaker 1>So cause I know people, you know you write in

0:22:42.040 --> 0:22:43.760
<v Speaker 1>the book and you're like, wait, I want to do

0:22:43.800 --> 0:22:45.600
<v Speaker 1>it again. You don't have to buy a whole new book.

0:22:45.600 --> 0:22:48.200
<v Speaker 1>You could just get those components. And lastly, something that

0:22:48.200 --> 0:22:50.840
<v Speaker 1>I'm really proud of too is that after people read

0:22:50.880 --> 0:22:54.119
<v Speaker 1>Geka with Money, I thought to myself, I want you

0:22:54.160 --> 0:22:58.320
<v Speaker 1>to be encouraged by other people's success. So I asked, folks,

0:22:58.920 --> 0:23:01.600
<v Speaker 1>with these ten steps of financial holeness, I put like

0:23:01.640 --> 0:23:05.439
<v Speaker 1>an ask out to my community, can you tell me

0:23:05.480 --> 0:23:08.480
<v Speaker 1>some really like heartwarming stories about what are these steps

0:23:08.480 --> 0:23:10.439
<v Speaker 1>and how you were able to complete it? And so

0:23:10.480 --> 0:23:14.280
<v Speaker 1>we put those in real life stories IRL stories inside

0:23:14.560 --> 0:23:16.960
<v Speaker 1>the chapter. For each chapter there's one or two of them.

0:23:17.240 --> 0:23:19.560
<v Speaker 1>So you get to read about Wendy who was actually

0:23:19.600 --> 0:23:21.199
<v Speaker 1>able to pay down debt for the first time. You

0:23:21.200 --> 0:23:23.520
<v Speaker 1>get to read about to meet them who was able

0:23:23.520 --> 0:23:25.320
<v Speaker 1>to buy something. You get to you know, like, so

0:23:25.400 --> 0:23:27.239
<v Speaker 1>as you're working Twitter, you don't feel like these are

0:23:27.359 --> 0:23:30.280
<v Speaker 1>like steps that can't happen. These are real people who

0:23:30.280 --> 0:23:33.240
<v Speaker 1>were helped by by these ten steps, and so you

0:23:33.280 --> 0:23:36.639
<v Speaker 1>can be too. So I'm just proud of made whole

0:23:37.280 --> 0:23:39.320
<v Speaker 1>And yeah, I just think it's going to help a

0:23:39.359 --> 0:23:40.800
<v Speaker 1>lot of people, just like get go with money.

0:23:41.240 --> 0:23:42.840
<v Speaker 2>And if you're the kind of person who've read the

0:23:42.880 --> 0:23:45.320
<v Speaker 2>book and you're like, I did it, and then you

0:23:45.359 --> 0:23:49.040
<v Speaker 2>put it down and it maybe felt like, you know,

0:23:49.119 --> 0:23:51.800
<v Speaker 2>to go back and read hundreds of words or hundreds

0:23:51.800 --> 0:23:55.200
<v Speaker 2>of pages again feels like a lot. But this feels like, Okay,

0:23:55.480 --> 0:23:59.040
<v Speaker 2>now you've sort of understood the methods. Now, let's it's

0:23:59.080 --> 0:24:02.359
<v Speaker 2>like a personal trainer alongside you, kind of like helping

0:24:02.400 --> 0:24:06.639
<v Speaker 2>you through and getting you there. Okay, what's your favorite

0:24:06.960 --> 0:24:11.560
<v Speaker 2>wholeness step? Has it changed since we broke about to now?

0:24:12.320 --> 0:24:13.880
<v Speaker 1>I mean, you know, I love me a good budget.

0:24:15.560 --> 0:24:17.200
<v Speaker 1>I'm trying to think it's.

0:24:17.080 --> 0:24:19.080
<v Speaker 2>Always the hardest one for me because you know what

0:24:19.119 --> 0:24:25.480
<v Speaker 2>the budget is confronting facts and math and numbers, and

0:24:25.560 --> 0:24:28.479
<v Speaker 2>I think and also if you're in a relationship, if

0:24:28.520 --> 0:24:31.240
<v Speaker 2>you're with a partner, it's not that you can't do

0:24:31.280 --> 0:24:34.720
<v Speaker 2>it alone, so it you know, it sounds so simple

0:24:34.760 --> 0:24:37.360
<v Speaker 2>and it is like the first and I think, obviously

0:24:37.359 --> 0:24:40.640
<v Speaker 2>you're the budget, so you know about teaching people budgets.

0:24:40.640 --> 0:24:42.920
<v Speaker 2>But for me, it's always been the more challenging thing

0:24:43.760 --> 0:24:47.320
<v Speaker 2>to sit down and get on the same page and

0:24:47.359 --> 0:24:51.640
<v Speaker 2>put everything out in places a struggle.

0:24:52.280 --> 0:24:54.080
<v Speaker 1>But what I like about a budget, I guess, is

0:24:54.080 --> 0:24:57.200
<v Speaker 1>that it tells me the truth about where I am

0:24:57.359 --> 0:25:01.119
<v Speaker 1>and gives me like it gives me clarity about what

0:25:01.160 --> 0:25:02.600
<v Speaker 1>I need to get to where I want to go to.

0:25:02.800 --> 0:25:05.359
<v Speaker 1>That makes sense, I would say. I don't know if

0:25:05.400 --> 0:25:07.879
<v Speaker 1>I have a favorite, but certainly the most impactful for

0:25:08.000 --> 0:25:12.120
<v Speaker 1>me when I wrote this book is the leaving a legacy,

0:25:12.160 --> 0:25:15.000
<v Speaker 1>that last part, because if I'm being always transparent, when

0:25:15.040 --> 0:25:18.879
<v Speaker 1>Geka with Money came out, I was ninety percent financially holed.

0:25:19.119 --> 0:25:20.639
<v Speaker 1>I had done all the steps, but I had not

0:25:20.800 --> 0:25:24.840
<v Speaker 1>finished my will you know, Jirell was here that the

0:25:24.960 --> 0:25:26.560
<v Speaker 1>year that this came out as a year that he

0:25:26.640 --> 0:25:29.000
<v Speaker 1>passed away on geg Go with money, and so we

0:25:29.040 --> 0:25:31.920
<v Speaker 1>had not finished our will, and a week before he

0:25:31.920 --> 0:25:34.480
<v Speaker 1>passed away, we were like starting to work on it again.

0:25:34.840 --> 0:25:37.880
<v Speaker 1>And then he passed and I was like, I need

0:25:37.880 --> 0:25:41.639
<v Speaker 1>to get my legacy and then my estate planning in place,

0:25:41.720 --> 0:25:44.159
<v Speaker 1>and so I did. So I have my will, my

0:25:44.280 --> 0:25:48.040
<v Speaker 1>trust is complete as well, and my beneficiaryes are updated

0:25:48.040 --> 0:25:50.800
<v Speaker 1>because really estate planning, those are the three things. Beneficiaries

0:25:51.359 --> 0:25:55.360
<v Speaker 1>like whose name are on the accounts. Beneficiaries trump everything.

0:25:55.800 --> 0:25:57.639
<v Speaker 1>I don't care what you have in your will or

0:25:57.680 --> 0:26:00.639
<v Speaker 1>what you say in your trust, Like if the beneficiary

0:26:00.880 --> 0:26:02.960
<v Speaker 1>is not that same name, it's going to go to

0:26:02.960 --> 0:26:05.360
<v Speaker 1>the beneficiary lined up like you know on your bank

0:26:05.359 --> 0:26:08.879
<v Speaker 1>account or your life insurance policies or anything else. My

0:26:09.000 --> 0:26:12.560
<v Speaker 1>will beneficiaries are like the easiest thing to update. Sometimes

0:26:12.600 --> 0:26:15.000
<v Speaker 1>you could just update online. Sometimes they'll send you some

0:26:15.000 --> 0:26:18.479
<v Speaker 1>paperwork that you could sign digitally, and sometimes they do

0:26:18.520 --> 0:26:20.600
<v Speaker 1>want like what they call a wet signature, which is

0:26:20.640 --> 0:26:22.760
<v Speaker 1>just you signing it and then nailing it back.

0:26:22.920 --> 0:26:29.200
<v Speaker 2>Of course, sorry, but a will, if it's a trust,

0:26:29.640 --> 0:26:31.720
<v Speaker 2>is it easy to just add that online too. Do

0:26:31.800 --> 0:26:32.879
<v Speaker 2>you just put the name in the trust?

0:26:33.320 --> 0:26:36.359
<v Speaker 1>So beneficiars are the easiest thing to do, like p

0:26:36.520 --> 0:26:38.960
<v Speaker 1>then what names? Yes, Just like like when I was

0:26:38.960 --> 0:26:40.320
<v Speaker 1>like if you you might be like, well, I don't

0:26:40.320 --> 0:26:41.879
<v Speaker 1>have no stuff. No, if you're twenty one years old,

0:26:41.920 --> 0:26:44.320
<v Speaker 1>you have a bank account, your bank account likely will

0:26:44.359 --> 0:26:46.879
<v Speaker 1>have like a beneficiaries component to it, and so you

0:26:47.040 --> 0:26:48.600
<v Speaker 1>just like, for me, it's always my mom my, mom

0:26:48.640 --> 0:26:51.000
<v Speaker 1>my mom until like I got a little older, you know,

0:26:52.000 --> 0:26:54.240
<v Speaker 1>but you want to make sure that's updated. You know,

0:26:54.320 --> 0:26:57.280
<v Speaker 1>it's it's like morbidly funny. But me and Jorell started

0:26:57.280 --> 0:27:01.119
<v Speaker 1>working with Angeli or our financial advisor, the benefic sharies,

0:27:01.119 --> 0:27:03.639
<v Speaker 1>and all of his stuff was Shante Alyssa's mom because

0:27:03.640 --> 0:27:05.399
<v Speaker 1>that's the last time he looked at it because they

0:27:05.440 --> 0:27:08.239
<v Speaker 1>were together and so and I remember telling him. I

0:27:08.280 --> 0:27:09.919
<v Speaker 1>was like, oh, babe, you're so glad that. I'm so

0:27:09.960 --> 0:27:11.760
<v Speaker 1>glad we updated it now because if you would have

0:27:11.760 --> 0:27:13.359
<v Speaker 1>passed away and she was on, I would have to

0:27:13.400 --> 0:27:18.080
<v Speaker 1>wake you up and kill you. And I'm like, it's

0:27:18.119 --> 0:27:21.119
<v Speaker 1>like it's like morbidly but I'm like that would have

0:27:21.119 --> 0:27:23.679
<v Speaker 1>been a nightmare. I mean, I would have been okay

0:27:24.359 --> 0:27:27.320
<v Speaker 1>financially either way, but it would have been really awkward,

0:27:27.440 --> 0:27:29.640
<v Speaker 1>you know, to deal with that on top of everything.

0:27:29.680 --> 0:27:32.520
<v Speaker 1>I mean, yeah, and so like, and I wouldn't have

0:27:32.520 --> 0:27:35.800
<v Speaker 1>found out until then. So I just so so the

0:27:35.800 --> 0:27:39.439
<v Speaker 1>beneficiary is like, easiest, do that, then your will is not.

0:27:39.560 --> 0:27:41.120
<v Speaker 1>I wish I would have known that the will wasn't

0:27:41.160 --> 0:27:43.480
<v Speaker 1>as hard as we thought, because the will really is

0:27:43.520 --> 0:27:46.639
<v Speaker 1>like a template that you could just edit. And so

0:27:47.080 --> 0:27:48.959
<v Speaker 1>when I did my will, it was in less than

0:27:48.960 --> 0:27:50.560
<v Speaker 1>a day. It was done. I'm like, I didn't know.

0:27:51.160 --> 0:27:53.199
<v Speaker 1>I wish I hadn't waited so long because he and

0:27:53.200 --> 0:27:55.240
<v Speaker 1>I thought we'd have to start from scratch. No, like

0:27:55.320 --> 0:27:58.280
<v Speaker 1>your attorney would likely have a template and then you

0:27:58.400 --> 0:28:01.200
<v Speaker 1>just add things on verbally, they put it in the will,

0:28:01.280 --> 0:28:03.320
<v Speaker 1>then you sign it the next day. So it was

0:28:03.320 --> 0:28:06.439
<v Speaker 1>like literally like a twenty four hour process. A will.

0:28:06.720 --> 0:28:08.240
<v Speaker 1>The difference between a will and a trust is that

0:28:08.320 --> 0:28:13.199
<v Speaker 1>a will tells your family like what's going to happen

0:28:13.920 --> 0:28:17.240
<v Speaker 1>to your stuff immediately after you pass away in about

0:28:17.320 --> 0:28:20.040
<v Speaker 1>six months out. That's what a will kind of dictates.

0:28:20.200 --> 0:28:22.399
<v Speaker 1>And then lastly, a trust does take time. A trust

0:28:22.440 --> 0:28:24.719
<v Speaker 1>might take up to a year or So because there

0:28:24.760 --> 0:28:27.439
<v Speaker 1>are these all these different components, and a trust is

0:28:27.440 --> 0:28:29.800
<v Speaker 1>really for people who have a net worth of five

0:28:29.840 --> 0:28:33.520
<v Speaker 1>hundred thousand dollars or more typically around that that it

0:28:33.720 --> 0:28:37.680
<v Speaker 1>range because typically or maybe you have a complicated financial life,

0:28:37.920 --> 0:28:42.880
<v Speaker 1>because a trust will help you to circumvent maybe some

0:28:42.880 --> 0:28:46.880
<v Speaker 1>some taxes the people who are inheriting your things, because

0:28:47.240 --> 0:28:50.000
<v Speaker 1>essentially a trust is like creating a company, a family

0:28:50.560 --> 0:28:54.600
<v Speaker 1>company now that owns all the stuff. So when I'm

0:28:54.640 --> 0:28:57.320
<v Speaker 1>no longer here, my family is actually not going to

0:28:57.400 --> 0:29:00.600
<v Speaker 1>inherit my stuff because we're already owned owning all of

0:29:00.600 --> 0:29:03.280
<v Speaker 1>that stuff via the trust. That that makes sense. So

0:29:03.400 --> 0:29:06.080
<v Speaker 1>inheritance taxes what I mean, and I think California is

0:29:06.080 --> 0:29:08.200
<v Speaker 1>like up to fifty percent, which is crazy. So you

0:29:08.280 --> 0:29:10.960
<v Speaker 1>find somebody grandma bought her house for fifty thousand dollars,

0:29:11.440 --> 0:29:14.520
<v Speaker 1>it's now worth four hundred, five hundred and six hundred

0:29:14.520 --> 0:29:17.560
<v Speaker 1>a million dollars. She passes it on to grand baby,

0:29:17.600 --> 0:29:20.040
<v Speaker 1>and the government says, well, you have to pay thirty

0:29:20.080 --> 0:29:22.880
<v Speaker 1>forty percent tax on this. You don't have three hundred

0:29:22.880 --> 0:29:24.280
<v Speaker 1>thousand dollars cash, So what do you have to do?

0:29:24.320 --> 0:29:26.120
<v Speaker 1>You got to sell grandma's house to get the money,

0:29:26.240 --> 0:29:29.920
<v Speaker 1>which sucks. But if that, if that house isn't a trust,

0:29:30.600 --> 0:29:34.520
<v Speaker 1>Grandma owns, the trust owns the house, and you guys

0:29:34.560 --> 0:29:37.680
<v Speaker 1>are all beneficiaries of this trust already, so you're not

0:29:37.720 --> 0:29:39.800
<v Speaker 1>going to be inheriting that house. It's just staying in

0:29:39.840 --> 0:29:42.280
<v Speaker 1>the trust where it already was, if that makes sense.

0:29:42.520 --> 0:29:44.920
<v Speaker 1>And so a trust helps that way. And also a

0:29:44.960 --> 0:29:47.840
<v Speaker 1>trust helps to dictate years into the future what you

0:29:47.880 --> 0:29:50.200
<v Speaker 1>want to happen with your stuff. So, for example, something

0:29:50.240 --> 0:29:53.880
<v Speaker 1>happens to me, like for all the miners in my

0:29:53.920 --> 0:29:57.840
<v Speaker 1>family and listen, including and like Roman, Amelia, Lily and

0:29:57.880 --> 0:30:00.959
<v Speaker 1>any new baby that my sisters have, I will if

0:30:00.960 --> 0:30:02.720
<v Speaker 1>something happens to me, they will get money at age

0:30:02.760 --> 0:30:05.280
<v Speaker 1>eighteen if they're going to college. If not, they'll get

0:30:05.280 --> 0:30:08.000
<v Speaker 1>a pay at twenty one, then twenty five and then

0:30:08.080 --> 0:30:11.000
<v Speaker 1>thirty you know, like whatever that is that I've set

0:30:11.040 --> 0:30:13.920
<v Speaker 1>aside for them, you know. And so that way, so

0:30:14.080 --> 0:30:15.800
<v Speaker 1>a trust will doesn't allow you to do that. A

0:30:15.800 --> 0:30:18.520
<v Speaker 1>trust allows you to reach into the future, years into

0:30:18.520 --> 0:30:22.040
<v Speaker 1>the future. So that chapter, I truthfully I didn't realize

0:30:22.080 --> 0:30:24.800
<v Speaker 1>how much I didn't know even after writing the book,

0:30:24.840 --> 0:30:28.320
<v Speaker 1>because that part of the chapter. I work with my

0:30:28.400 --> 0:30:33.280
<v Speaker 1>financial my attorney, Tony. She helped me with that chapter,

0:30:33.440 --> 0:30:35.560
<v Speaker 1>Like I researched all the chapters that were my expertise.

0:30:35.960 --> 0:30:38.520
<v Speaker 1>But even still, hearing her say the words is different

0:30:38.520 --> 0:30:41.320
<v Speaker 1>than living it, you know, and so having to live

0:30:41.360 --> 0:30:43.840
<v Speaker 1>it post Drell passing away, I was like, so with

0:30:43.960 --> 0:30:46.320
<v Speaker 1>made whole, I was able to be like, no, like

0:30:47.080 --> 0:30:49.880
<v Speaker 1>this is what that means, you know, Like I did

0:30:49.920 --> 0:30:53.120
<v Speaker 1>not know until Dreell passed away that you could put

0:30:53.560 --> 0:30:56.080
<v Speaker 1>more than one person as a primary to a specific thing.

0:30:56.200 --> 0:30:59.720
<v Speaker 1>So if you have a bank account and you've got

0:30:59.760 --> 0:31:02.959
<v Speaker 1>four sisters, it's not that you have to say this

0:31:03.040 --> 0:31:06.560
<v Speaker 1>one sister is a primary, everybody else's secondary, because primary

0:31:06.600 --> 0:31:09.720
<v Speaker 1>means that this person will inherit the money, and then

0:31:09.840 --> 0:31:12.440
<v Speaker 1>and that person's not there, then it goes to the

0:31:12.560 --> 0:31:15.640
<v Speaker 1>to the secondary. And I think that a lot of

0:31:15.680 --> 0:31:18.120
<v Speaker 1>people might think that, but you can actually say, here

0:31:18.160 --> 0:31:21.760
<v Speaker 1>are the four primaries split like, and you can either

0:31:21.760 --> 0:31:24.200
<v Speaker 1>split it directly in like you know, twenty five twenty five,

0:31:24.520 --> 0:31:26.320
<v Speaker 1>five twenty five, or you can say ten percent here,

0:31:26.560 --> 0:31:29.240
<v Speaker 1>ninety percent here, so you can literally split up. And

0:31:29.240 --> 0:31:31.040
<v Speaker 1>I didn't realize that. I think a lot of people

0:31:31.080 --> 0:31:34.640
<v Speaker 1>don't realize that, and they are also too considering that

0:31:34.680 --> 0:31:37.080
<v Speaker 1>if you have a minor child, how you want to

0:31:37.160 --> 0:31:41.000
<v Speaker 1>leave them the money, Because to be candid, Alyssa is

0:31:42.240 --> 0:31:44.040
<v Speaker 1>when she turns eighteen, she's going to come into a

0:31:44.040 --> 0:31:46.840
<v Speaker 1>lot of money. So because when you're eighteen, when you're

0:31:47.120 --> 0:31:50.880
<v Speaker 1>a minor and you're left money via life insurance, oftentimes

0:31:50.920 --> 0:31:53.920
<v Speaker 1>the state will hold it for them and trust for

0:31:54.000 --> 0:31:56.080
<v Speaker 1>them because they're like, they won't give it to the

0:31:56.280 --> 0:31:58.520
<v Speaker 1>living parent because they know sometimes oftentimes that money get

0:31:58.560 --> 0:32:01.880
<v Speaker 1>tricked up, so they're but when they turn eighteen or

0:32:01.880 --> 0:32:04.240
<v Speaker 1>twenty one, depending on the state, all that money now

0:32:04.280 --> 0:32:07.880
<v Speaker 1>goes to that child. That's a lot actually. So but

0:32:08.040 --> 0:32:09.720
<v Speaker 1>if we would have known, like jeronala I didn't fully

0:32:09.720 --> 0:32:11.760
<v Speaker 1>get it, we would have known, we would have instead

0:32:11.800 --> 0:32:16.600
<v Speaker 1>of having the life insurance policy been sent to myself

0:32:16.680 --> 0:32:19.280
<v Speaker 1>or a list or whoever, it would have gone to

0:32:19.360 --> 0:32:22.640
<v Speaker 1>the trust instead, and the trust would have said the

0:32:22.720 --> 0:32:26.200
<v Speaker 1>life the trust is the beneficiary of the life insurance policy.

0:32:26.680 --> 0:32:28.960
<v Speaker 1>And so when the money comes out, it will go

0:32:28.960 --> 0:32:31.440
<v Speaker 1>into the trust and it will pay for school for Alyssa.

0:32:31.800 --> 0:32:34.960
<v Speaker 1>Then she'll get her first pay like money for maybe

0:32:35.000 --> 0:32:38.800
<v Speaker 1>her first house or a wedding or you know when

0:32:38.840 --> 0:32:40.800
<v Speaker 1>she turns twenty five and again at thirty five, and

0:32:40.840 --> 0:32:43.360
<v Speaker 1>then you see what I mean, like knowing that versus

0:32:43.440 --> 0:32:45.760
<v Speaker 1>here you are eighteen years old. Here you go, you

0:32:45.760 --> 0:32:47.480
<v Speaker 1>know what I mean? And so like these are things

0:32:47.480 --> 0:32:49.520
<v Speaker 1>that I didn't really understand. So I would say that's

0:32:49.560 --> 0:32:52.000
<v Speaker 1>why that chapter is so critically important because I think

0:32:52.040 --> 0:32:54.480
<v Speaker 1>so few people really talk about a state planning in

0:32:54.480 --> 0:32:57.360
<v Speaker 1>a way they're like, oh, so I really beefed up

0:32:58.120 --> 0:33:01.400
<v Speaker 1>that chapter with my lived experience and and so I'm

0:33:01.440 --> 0:33:03.600
<v Speaker 1>really proud of it, even like you know, when I

0:33:03.640 --> 0:33:05.880
<v Speaker 1>was reading the chapters that like, I'm the in real

0:33:05.920 --> 0:33:08.040
<v Speaker 1>life story of the Yeah.

0:33:08.400 --> 0:33:11.600
<v Speaker 2>Yeah, because you're right, because you wrote the first book

0:33:12.240 --> 0:33:14.320
<v Speaker 2>before he passed away. Yeah, and you're in this.

0:33:14.560 --> 0:33:14.800
<v Speaker 1>Yeah.

0:33:15.560 --> 0:33:18.560
<v Speaker 2>I mean I didn't put two and two together because

0:33:18.560 --> 0:33:19.320
<v Speaker 2>I'm a little slow.

0:33:20.320 --> 0:33:21.960
<v Speaker 1>So it's just like all.

0:33:21.880 --> 0:33:24.840
<v Speaker 2>You were speaking though. I went to mad Whole Workbook

0:33:24.880 --> 0:33:28.880
<v Speaker 2>dot com and I was looking at the toolkit and

0:33:29.040 --> 0:33:32.600
<v Speaker 2>like the resources, and I think everyone listening just go

0:33:32.680 --> 0:33:35.160
<v Speaker 2>because if anything, it's a great list of you know,

0:33:35.240 --> 0:33:37.360
<v Speaker 2>y'all are always asking for where are gonna get to

0:33:37.400 --> 0:33:39.680
<v Speaker 2>find out financial planner? And where do you guys like

0:33:39.720 --> 0:33:42.360
<v Speaker 2>to invest? And all in all Coindor says, we can

0:33:42.400 --> 0:33:45.760
<v Speaker 2>call the Brown Ambition list too. Tiffy did all the research, y'all.

0:33:46.400 --> 0:33:49.920
<v Speaker 2>It's right here, and there's even a place trust and

0:33:50.000 --> 0:33:53.479
<v Speaker 2>will dot Org. I hadn't heard of that to start with. Okay,

0:33:53.520 --> 0:33:59.160
<v Speaker 2>but Mike, I I caught learned to Earn, which is,

0:33:59.520 --> 0:34:02.000
<v Speaker 2>you know, one of my favorite things because to avoid

0:34:02.040 --> 0:34:04.040
<v Speaker 2>all the budgeting. I just like you to make more money.

0:34:05.240 --> 0:34:07.760
<v Speaker 2>But can you talk a little bit about that and

0:34:07.800 --> 0:34:09.920
<v Speaker 2>what people can expect from that part of the workbook.

0:34:10.320 --> 0:34:12.480
<v Speaker 1>So, yeah, because you can't save your way to wealth.

0:34:12.800 --> 0:34:16.480
<v Speaker 1>Like the thing is, so the first half the book

0:34:16.520 --> 0:34:20.920
<v Speaker 1>are the first five steps to financial hollness budgeting, savings, debt, credit,

0:34:21.040 --> 0:34:24.840
<v Speaker 1>learn to earn. That's a critical foundational component to financial

0:34:24.840 --> 0:34:26.880
<v Speaker 1>hollness because you have to make more money. So and

0:34:27.000 --> 0:34:32.160
<v Speaker 1>then I actually lean into our girl, Mandra I shound

0:34:32.200 --> 0:34:33.960
<v Speaker 1>to you because.

0:34:33.840 --> 0:34:35.960
<v Speaker 2>I would know that if I had one of those

0:34:36.000 --> 0:34:37.239
<v Speaker 2>books there you.

0:34:37.160 --> 0:34:39.439
<v Speaker 1>See, man, it's gonna save you the whole time, right,

0:34:39.880 --> 0:34:42.719
<v Speaker 1>And so anyway, I talked about ways to one make

0:34:42.760 --> 0:34:47.080
<v Speaker 1>more money at work and also to how to negotiate. Like,

0:34:47.120 --> 0:34:49.000
<v Speaker 1>so one of the ways is to how to negotiate.

0:34:49.000 --> 0:34:50.480
<v Speaker 1>So I was like, oh, Mandy, I want to I'm

0:34:50.480 --> 0:34:52.680
<v Speaker 1>gonna quote you in the book like here, there's like

0:34:52.680 --> 0:34:55.080
<v Speaker 1>a whole like Mandy sent me like a bunch of

0:34:55.080 --> 0:34:57.600
<v Speaker 1>steps of like of steps to negotiating, and I was like,

0:34:57.600 --> 0:35:01.279
<v Speaker 1>oh great. I was like from Mandy Brown Ambition and

0:35:01.320 --> 0:35:05.120
<v Speaker 1>Mandy money Makers, here are some steps negotiating. And that's

0:35:05.120 --> 0:35:07.840
<v Speaker 1>how like I put that part in the book to

0:35:07.880 --> 0:35:10.640
<v Speaker 1>really walk you through, how do you negotiate for more

0:35:10.680 --> 0:35:13.040
<v Speaker 1>money for yourself at your current job? And if not that,

0:35:13.600 --> 0:35:15.920
<v Speaker 1>then how do you then look for another job that

0:35:16.000 --> 0:35:18.719
<v Speaker 1>might pay more. That's one of the ways, because one

0:35:18.760 --> 0:35:20.480
<v Speaker 1>of the best ways to make more money is where

0:35:20.480 --> 0:35:23.120
<v Speaker 1>you currently are, if it's available to you. You know,

0:35:23.320 --> 0:35:25.759
<v Speaker 1>so many people have not tapped into that. And then

0:35:25.840 --> 0:35:27.840
<v Speaker 1>I also talk about how to make more money outside

0:35:27.880 --> 0:35:31.319
<v Speaker 1>of your job, if you're wanting to create income through

0:35:31.360 --> 0:35:33.680
<v Speaker 1>like a side hustle or whatever that might look like

0:35:33.680 --> 0:35:36.240
<v Speaker 1>a side business. And so those are the two components

0:35:36.280 --> 0:35:39.360
<v Speaker 1>that I really lean into of making additional money because

0:35:39.880 --> 0:35:42.080
<v Speaker 1>the truth of the matter is, especially when you're young,

0:35:42.200 --> 0:35:45.439
<v Speaker 1>these are really your income earning years. So how can

0:35:45.480 --> 0:35:48.440
<v Speaker 1>you be really smart about beefing that up so that

0:35:48.480 --> 0:35:50.160
<v Speaker 1>way you can get to a part or you might

0:35:50.160 --> 0:35:51.880
<v Speaker 1>be like, I'm not young, and I'm like, if you're listening,

0:35:51.920 --> 0:35:54.960
<v Speaker 1>you are. Even if you're seventy, you're still seventy years

0:35:55.000 --> 0:35:57.279
<v Speaker 1>young because you're here, you know. And so if you're

0:35:57.320 --> 0:36:00.680
<v Speaker 1>wanting to make more money, you know, it's not just

0:36:00.760 --> 0:36:03.520
<v Speaker 1>for making more money. I hope you understand that one

0:36:03.520 --> 0:36:05.560
<v Speaker 1>of the purposes of making more money is to short

0:36:05.719 --> 0:36:09.719
<v Speaker 1>enjoy some now, but to set aside some so you

0:36:09.760 --> 0:36:11.320
<v Speaker 1>don't have to continue.

0:36:10.880 --> 0:36:16.120
<v Speaker 2>To work, you know, yeah, and go in hoard those

0:36:16.160 --> 0:36:18.960
<v Speaker 2>early years. I'll never work as hard as I did

0:36:18.960 --> 0:36:19.440
<v Speaker 2>at twenty.

0:36:19.880 --> 0:36:21.120
<v Speaker 1>Yes, I think about that.

0:36:21.280 --> 0:36:24.320
<v Speaker 2>It's all the free time and the mental capacity. H

0:36:24.440 --> 0:36:25.160
<v Speaker 2>my goodness.

0:36:25.360 --> 0:36:27.120
<v Speaker 1>And don't think to yourself if you're like forties or

0:36:27.160 --> 0:36:29.200
<v Speaker 1>fifties or sixties, like, oh, is it too late? No,

0:36:29.680 --> 0:36:32.480
<v Speaker 1>it's not now. It might you might have to put

0:36:32.520 --> 0:36:34.840
<v Speaker 1>in that work for the next five six years. You know.

0:36:34.880 --> 0:36:37.040
<v Speaker 1>It's a kind of offset. I know I did. I

0:36:37.040 --> 0:36:40.000
<v Speaker 1>didn't really start really cooking with grease until my like

0:36:40.080 --> 0:36:43.880
<v Speaker 1>mid thirties. But if you are younger and now is

0:36:43.920 --> 0:36:45.600
<v Speaker 1>the time. A young woman asked me that, like I am.

0:36:45.960 --> 0:36:50.719
<v Speaker 1>I had the book launch at with Mahogany books that

0:36:50.800 --> 0:36:54.200
<v Speaker 1>I mentioned earlier, awesome black on bookstore. Certainly you can

0:36:54.239 --> 0:36:58.120
<v Speaker 1>purchase copies of Made Whole directly for Mahogany Books. It's

0:36:58.200 --> 0:37:03.080
<v Speaker 1>literally Mahogany books dot com. They were amazing the owners there.

0:37:04.040 --> 0:37:08.080
<v Speaker 1>And so what are the women? Asked one young woman

0:37:08.120 --> 0:37:10.000
<v Speaker 1>after she was twenty seven years old, and she was like,

0:37:10.000 --> 0:37:12.040
<v Speaker 1>what should I be thinking about now? I was like,

0:37:12.160 --> 0:37:14.680
<v Speaker 1>besides the basics of like keeping your credit, good keeping

0:37:14.680 --> 0:37:17.319
<v Speaker 1>your debt, loan learning, how to you know budget and save,

0:37:17.400 --> 0:37:20.719
<v Speaker 1>I said, you need to be working to like to

0:37:20.840 --> 0:37:23.680
<v Speaker 1>earn more and not earn more so you can buy

0:37:23.719 --> 0:37:26.279
<v Speaker 1>more stuff so you can set aside you know, to

0:37:26.320 --> 0:37:29.759
<v Speaker 1>certainly enjoy, but set aside enough so that way as

0:37:29.800 --> 0:37:32.520
<v Speaker 1>you start to wind down, the energy winds down, your capacity,

0:37:32.600 --> 0:37:36.000
<v Speaker 1>your time that you the money is working for you.

0:37:35.400 --> 0:37:39.480
<v Speaker 2>You know, so absolutely times on your side. Oh the

0:37:39.560 --> 0:37:43.359
<v Speaker 2>tender age of twenty seven. Oh okay, Well, since we're

0:37:43.360 --> 0:37:46.560
<v Speaker 2>in the holiday season, we talked about that Maidhole is

0:37:46.640 --> 0:37:50.000
<v Speaker 2>out now. Yes, I am a mom. Did you know

0:37:50.080 --> 0:37:53.120
<v Speaker 2>that I hire? Maybe I have a couple of kids. Whatever,

0:37:54.040 --> 0:37:59.200
<v Speaker 2>And I gotta say I'm usually not that bad about

0:37:59.360 --> 0:38:03.040
<v Speaker 2>holiday shop. Like my sisters and my siblings, like we

0:38:03.080 --> 0:38:06.920
<v Speaker 2>do White Elephant or Secret Santa. This year we're going

0:38:06.960 --> 0:38:09.239
<v Speaker 2>back to just buying each other gifts or whatever. But

0:38:10.000 --> 0:38:12.360
<v Speaker 2>I'm usually not that caught up in Black Friday and

0:38:12.440 --> 0:38:15.440
<v Speaker 2>caught up and I haven't ever been, But now I

0:38:15.480 --> 0:38:19.080
<v Speaker 2>got the cheering. And when I tell you I saved,

0:38:19.600 --> 0:38:22.680
<v Speaker 2>I caught myself. I was saving the Target catalog because

0:38:22.680 --> 0:38:24.480
<v Speaker 2>they send you stuff in the mail now, and I'm like, oh,

0:38:24.520 --> 0:38:27.960
<v Speaker 2>they It's like the mail is the original algorithm, you know,

0:38:28.200 --> 0:38:31.560
<v Speaker 2>like I serve you the content. How did you guys know?

0:38:31.680 --> 0:38:34.640
<v Speaker 2>I was just thinking about Lake Shore Learning and what

0:38:34.760 --> 0:38:37.040
<v Speaker 2>I send you, like the Melissa and Doug collection. There,

0:38:37.440 --> 0:38:40.319
<v Speaker 2>Melissa and Doug is sending me flyers. Gotta have it.

0:38:40.320 --> 0:38:43.080
<v Speaker 2>It's like everything is so cute. Plus Rio's birthday is

0:38:43.120 --> 0:38:46.960
<v Speaker 2>coming up. Oh my goodness, it feels like I'm about

0:38:47.000 --> 0:38:50.239
<v Speaker 2>to blow up my budget that I don't even have, Like,

0:38:50.600 --> 0:38:54.120
<v Speaker 2>how stop me? How do I? How do you stop us.

0:38:54.000 --> 0:38:55.000
<v Speaker 1>From going out of control?

0:38:55.040 --> 0:38:59.600
<v Speaker 2>Because it feels good. The endorphins are endorphining when I buy.

0:39:00.080 --> 0:39:03.120
<v Speaker 1>Well, my children one of the things that really is

0:39:03.160 --> 0:39:05.880
<v Speaker 1>helpful whenever I'm doing something that I know is going

0:39:05.920 --> 0:39:08.000
<v Speaker 1>to require like you know, more money than what's normally

0:39:08.000 --> 0:39:10.440
<v Speaker 1>for my budget. I like to set it aside in

0:39:10.480 --> 0:39:13.000
<v Speaker 1>a bank account. So like if you have a savings

0:39:13.000 --> 0:39:15.120
<v Speaker 1>account sometimes, you know, like some safe accounts have like

0:39:15.120 --> 0:39:17.279
<v Speaker 1>the little it's the same account, but they'll let you

0:39:17.400 --> 0:39:19.640
<v Speaker 1>like put it into like a little bucket within the

0:39:19.640 --> 0:39:21.959
<v Speaker 1>savings account, you know, or you could just go ahead

0:39:22.000 --> 0:39:25.840
<v Speaker 1>and open another savings account. It's free, you know, you know,

0:39:26.160 --> 0:39:29.400
<v Speaker 1>or you know. I like to place it somewhere because

0:39:29.520 --> 0:39:32.600
<v Speaker 1>I like to see the money go down, you know

0:39:32.640 --> 0:39:34.719
<v Speaker 1>what I mean. So what I'll do is, so for example,

0:39:35.160 --> 0:39:37.960
<v Speaker 1>I am renovating. I had a specific budget in mine

0:39:37.960 --> 0:39:41.040
<v Speaker 1>to renovate, and I put it in a I had

0:39:41.080 --> 0:39:43.239
<v Speaker 1>a specific savings account that really didn't have much money

0:39:43.239 --> 0:39:44.759
<v Speaker 1>in it. So I was like, okay, you are now

0:39:44.880 --> 0:39:47.560
<v Speaker 1>renovation bucket. And so I put the money in there

0:39:47.640 --> 0:39:49.040
<v Speaker 1>that I was going to do for renovating and this

0:39:49.080 --> 0:39:53.279
<v Speaker 1>high yield savings account. And I even if I buy things,

0:39:53.320 --> 0:39:56.040
<v Speaker 1>so for example, I'm purchasing a lot of the things

0:39:56.040 --> 0:39:58.440
<v Speaker 1>for the new condo on my AMX car so I

0:39:58.440 --> 0:40:00.759
<v Speaker 1>can get the points. So but when I'm when I

0:40:00.800 --> 0:40:03.320
<v Speaker 1>go to pay the AMEX card, I use the money

0:40:03.400 --> 0:40:05.839
<v Speaker 1>for the savings bucket for that you know form because

0:40:05.840 --> 0:40:09.160
<v Speaker 1>I'm only currently using the MX card for renovations, you know,

0:40:09.239 --> 0:40:11.520
<v Speaker 1>But I like to put it there so I can see, like,

0:40:12.120 --> 0:40:14.520
<v Speaker 1>you're getting dangerously close. You sure you want to buy that?

0:40:14.600 --> 0:40:17.520
<v Speaker 1>You know, that scance for four hundred dollars. Girl, you

0:40:17.520 --> 0:40:19.560
<v Speaker 1>tried it, Go ahead and get you that, you know,

0:40:20.120 --> 0:40:21.440
<v Speaker 1>because you want to, Because in my mind, I'm like,

0:40:21.480 --> 0:40:23.920
<v Speaker 1>I still got to get my cash, so I'm it

0:40:23.920 --> 0:40:26.080
<v Speaker 1>gives me a visual reminder of where am I in

0:40:26.080 --> 0:40:28.520
<v Speaker 1>the scope of how close I am to reaching budget.

0:40:28.560 --> 0:40:30.360
<v Speaker 1>So what I would say is like, if you're a

0:40:30.400 --> 0:40:32.800
<v Speaker 1>cash person, which I know like nobody is now, certainly

0:40:32.840 --> 0:40:34.279
<v Speaker 1>you could put it out in cash and be very

0:40:34.280 --> 0:40:36.799
<v Speaker 1>old school and an envelope or putting it in a

0:40:36.800 --> 0:40:40.400
<v Speaker 1>specific bucket like a savings bucket, so as you're spending,

0:40:40.440 --> 0:40:42.120
<v Speaker 1>you can see the money go down and if you're

0:40:42.120 --> 0:40:45.240
<v Speaker 1>responsible enough, you can still use whatever card that you want,

0:40:45.480 --> 0:40:47.839
<v Speaker 1>but then paying it literally that day, so that way

0:40:47.880 --> 0:40:50.400
<v Speaker 1>you're like, I'm setting aside this amount of money to

0:40:50.440 --> 0:40:52.720
<v Speaker 1>pay for things for the kids, and as the money

0:40:52.719 --> 0:40:54.920
<v Speaker 1>goes down, I know I'm almost done. Like did I

0:40:54.920 --> 0:40:57.279
<v Speaker 1>get everything I needed? Did I overdo it am I here.

0:40:57.520 --> 0:40:59.040
<v Speaker 1>So that's one of the ways that I like to

0:40:59.320 --> 0:41:01.960
<v Speaker 1>set aside. Another way too, is that like literally being

0:41:02.080 --> 0:41:05.040
<v Speaker 1>like Santa, you make it look listed, check it twice.

0:41:05.160 --> 0:41:05.279
<v Speaker 2>You know.

0:41:05.320 --> 0:41:07.120
<v Speaker 1>I'm a spreadsheet girl, so I like to list everyone

0:41:07.200 --> 0:41:10.160
<v Speaker 1>in buying gifts for I'll look online and I'm just like,

0:41:10.239 --> 0:41:13.520
<v Speaker 1>who what what am I thinking? How much it's costs?

0:41:13.840 --> 0:41:15.680
<v Speaker 1>And I have what the amount of money that I

0:41:15.680 --> 0:41:18.920
<v Speaker 1>want to spend in total for the holiday season, And

0:41:19.280 --> 0:41:21.839
<v Speaker 1>I create the spreadsheet so it can literally do the

0:41:21.840 --> 0:41:24.600
<v Speaker 1>math of like subtracting from what's left over. So now

0:41:24.600 --> 0:41:26.400
<v Speaker 1>I'm juggling like, well, I'm not going to get lista this.

0:41:26.480 --> 0:41:27.840
<v Speaker 1>I'll get her that because I want to get the

0:41:27.880 --> 0:41:30.080
<v Speaker 1>kids this, but not that, so I can look at

0:41:30.080 --> 0:41:31.800
<v Speaker 1>the math. So let's just say I'm sitting aside, I

0:41:31.800 --> 0:41:33.960
<v Speaker 1>don't know two thousand dollars to spend for the holiday season,

0:41:34.480 --> 0:41:36.759
<v Speaker 1>so I'm not you know, I'm not going to get

0:41:36.760 --> 0:41:39.279
<v Speaker 1>my sister some five hundred dollars boots because that's going

0:41:39.320 --> 0:41:41.000
<v Speaker 1>to take up too much of the budget. And so

0:41:41.080 --> 0:41:42.560
<v Speaker 1>I like to put it in a spreadsheet so I

0:41:42.560 --> 0:41:46.400
<v Speaker 1>can see and then I go online and it allows

0:41:46.440 --> 0:41:49.040
<v Speaker 1>me to to not be in store where I'm going

0:41:49.080 --> 0:41:51.320
<v Speaker 1>to be hyper stimulated to buy all the things I

0:41:51.600 --> 0:41:54.360
<v Speaker 1>can look to see what things I can buy within

0:41:54.400 --> 0:41:56.640
<v Speaker 1>that budget, you know, And I put the link in

0:41:56.680 --> 0:41:58.360
<v Speaker 1>the spreadsheet too, so when I'm ready to be like,

0:41:58.400 --> 0:42:00.919
<v Speaker 1>all right, let's sit down and buy these, the link

0:42:01.040 --> 0:42:03.839
<v Speaker 1>is there. I know how much it's everything is all

0:42:03.920 --> 0:42:07.120
<v Speaker 1>right here for me to make decisions. And lastly, you

0:42:07.160 --> 0:42:09.759
<v Speaker 1>know whoever you like to buy things from, follow them

0:42:09.760 --> 0:42:13.520
<v Speaker 1>on social media sometimes and often not even sometimes almost

0:42:13.600 --> 0:42:17.080
<v Speaker 1>everyone who will give, especially during the holiday season, sometimes

0:42:17.080 --> 0:42:22.200
<v Speaker 1>they'll do like a a social media only coupon code

0:42:22.800 --> 0:42:25.839
<v Speaker 1>or savings link or whatever. And so once I kind

0:42:25.840 --> 0:42:28.000
<v Speaker 1>of get clear of who I'm buying for, I'm the queen.

0:42:28.000 --> 0:42:29.880
<v Speaker 1>When I'm like, all right, I know what I'm getting,

0:42:29.880 --> 0:42:32.000
<v Speaker 1>I know who I'm buying for. Now, I'm like, but

0:42:32.120 --> 0:42:34.880
<v Speaker 1>we're not paying I'm my mother's shop were paying a price.

0:42:35.600 --> 0:42:40.200
<v Speaker 1>So I mean, I call it like it's racketing, but

0:42:40.400 --> 0:42:45.239
<v Speaker 1>always did love but it used to be ebates right

0:42:45.320 --> 0:42:51.520
<v Speaker 1>now go backwards, but it's so amazing it is. Racoon

0:42:51.640 --> 0:42:54.239
<v Speaker 1>is your best friend. Also Capital one I think has one,

0:42:54.600 --> 0:42:57.319
<v Speaker 1>so like I look at racketin to get cash back,

0:42:57.520 --> 0:43:01.360
<v Speaker 1>and also they have coupons, like I think Honey sometimes

0:43:01.400 --> 0:43:04.520
<v Speaker 1>will still have coupons. I think it's one called Peggy Bag.

0:43:04.719 --> 0:43:07.200
<v Speaker 2>But Rakuton doesn't. Even it's not the coupons that I like,

0:43:07.280 --> 0:43:09.719
<v Speaker 2>it's the cash back. It's the cash back, yes, but

0:43:09.760 --> 0:43:13.080
<v Speaker 2>it's also they will alert me because for example, I

0:43:13.120 --> 0:43:16.640
<v Speaker 2>have been furnishing this play area with like shelves and stuff,

0:43:16.680 --> 0:43:20.719
<v Speaker 2>and they found me the shelves for like forty bucks

0:43:20.920 --> 0:43:23.160
<v Speaker 2>less from a site that I normally wouldn't have shoppedj

0:43:23.200 --> 0:43:25.960
<v Speaker 2>at what was it? I forget? Anyway, I love my

0:43:26.000 --> 0:43:27.080
<v Speaker 2>little recute you.

0:43:27.040 --> 0:43:31.560
<v Speaker 1>Say sputations, so doing those things. And then lastly, there

0:43:31.640 --> 0:43:35.440
<v Speaker 1>are people on social media. I've never used coupons on

0:43:35.480 --> 0:43:39.160
<v Speaker 1>Amazon before, but there's a lady on social media that

0:43:39.200 --> 0:43:42.000
<v Speaker 1>I follow that like maybe like like look of hashtag

0:43:42.040 --> 0:43:45.520
<v Speaker 1>Amazon coupons where she will show so like for example,

0:43:45.520 --> 0:43:49.359
<v Speaker 1>I love like my dyce in like vacuum cleaner. She

0:43:49.400 --> 0:43:51.000
<v Speaker 1>had a coupon for the one that I bought full

0:43:51.040 --> 0:43:52.960
<v Speaker 1>price or maybe I get I got it on a

0:43:52.960 --> 0:43:54.840
<v Speaker 1>Black you know, Black Friday, I think, but so not

0:43:54.920 --> 0:43:57.160
<v Speaker 1>fully full price, but still she had a coupon for

0:43:57.280 --> 0:43:59.239
<v Speaker 1>like fifty percent off and I was like, this can't

0:43:59.239 --> 0:44:01.360
<v Speaker 1>be real. So I went to Amazon, I put it in.

0:44:01.440 --> 0:44:05.080
<v Speaker 1>I was like, wait, what witchcraft is this? So yeah,

0:44:05.120 --> 0:44:07.239
<v Speaker 1>so there are these I don't know how they find

0:44:07.280 --> 0:44:11.120
<v Speaker 1>the coupon's girl, I don't know, but she is sharing

0:44:11.120 --> 0:44:12.600
<v Speaker 1>it freely. So there are a.

0:44:12.600 --> 0:44:13.960
<v Speaker 2>Bunch of people.

0:44:14.239 --> 0:44:18.319
<v Speaker 1>So what I would suggest is myself the back of

0:44:18.320 --> 0:44:22.200
<v Speaker 1>the internet. Not but they're real, you know, you put

0:44:22.200 --> 0:44:26.120
<v Speaker 1>them into it rhy, you know, So I would just

0:44:26.160 --> 0:44:29.560
<v Speaker 1>say that, like, especially during this time of year, look

0:44:29.600 --> 0:44:31.839
<v Speaker 1>for creators if this is what they do. You know,

0:44:31.960 --> 0:44:34.080
<v Speaker 1>like she's really awesome. She will just literally share a

0:44:34.120 --> 0:44:37.440
<v Speaker 1>bunch of coupon codes for specific things, and I love it.

0:44:37.480 --> 0:44:39.560
<v Speaker 1>I'm like, oh, this is so awesome. And so like,

0:44:39.680 --> 0:44:42.800
<v Speaker 1>you know, I like to look for creators based upon hashtags,

0:44:42.840 --> 0:44:45.360
<v Speaker 1>you know, like they still work like hashtag Amazon coupon,

0:44:45.440 --> 0:44:49.200
<v Speaker 1>hashtag whatever. So yeah, creators that share, especially creators that

0:44:49.239 --> 0:44:52.640
<v Speaker 1>share coupons who are in a similar space. So she

0:44:52.960 --> 0:44:54.759
<v Speaker 1>if she's you want to like, if you're a mom

0:44:55.120 --> 0:44:58.400
<v Speaker 1>a mommy coupon er, if you're renovating a renovating kind

0:44:58.400 --> 0:45:00.279
<v Speaker 1>of coupon, you know what I mean, because going to

0:45:00.320 --> 0:45:01.680
<v Speaker 1>share things that are going to be developing to you.

0:45:01.719 --> 0:45:03.960
<v Speaker 1>So those are the ways that I would say say this,

0:45:05.000 --> 0:45:08.560
<v Speaker 1>uh this holiday season, like lean into those couponts, make

0:45:08.600 --> 0:45:13.080
<v Speaker 1>your list pre pre you have the pre game like

0:45:13.200 --> 0:45:14.480
<v Speaker 1>Klee is gonna go.

0:45:14.719 --> 0:45:17.600
<v Speaker 2>You really do which when you don't, it becomes really easy.

0:45:17.640 --> 0:45:19.800
<v Speaker 2>I mean I had like four cards going yesterday and

0:45:19.840 --> 0:45:22.319
<v Speaker 2>different I forgot which browser they were in because like

0:45:22.360 --> 0:45:24.160
<v Speaker 2>I'm like, oh, I like that brand and they have

0:45:24.320 --> 0:45:26.960
<v Speaker 2>cute stuff there, and it almost when you have kids,

0:45:26.960 --> 0:45:30.200
<v Speaker 2>it almost feels like it's for the kids, you know

0:45:30.239 --> 0:45:30.480
<v Speaker 2>what I mean?

0:45:30.520 --> 0:45:33.320
<v Speaker 1>Look like this one was time you could you could,

0:45:33.320 --> 0:45:34.680
<v Speaker 1>you could give me a box that I'd be out

0:45:34.719 --> 0:45:35.480
<v Speaker 1>here playing with it.

0:45:36.560 --> 0:45:38.640
<v Speaker 2>Oh no, no, rio no, he has expensive tastes.

0:45:38.840 --> 0:45:40.839
<v Speaker 1>Excuse me, one of these kings.

0:45:40.560 --> 0:45:43.399
<v Speaker 2>Turning forward, Tiff. He's got opinions and he knows which

0:45:43.440 --> 0:45:45.360
<v Speaker 2>toys are cheap and which ones are quality.

0:45:45.719 --> 0:45:48.400
<v Speaker 1>There runs okay, no more. I remember the days the

0:45:48.480 --> 0:45:49.880
<v Speaker 1>kids that Romana Milion.

0:45:49.800 --> 0:45:52.360
<v Speaker 2>Was like, we don't want to go. You want to

0:45:52.400 --> 0:45:56.799
<v Speaker 2>go to Target? Yes, and not just Target. Now it's

0:45:56.840 --> 0:45:59.879
<v Speaker 2>CBS because they have toy cars. Yeah, husband is trying

0:45:59.880 --> 0:46:01.879
<v Speaker 2>to heal his and her child by only getting them.

0:46:01.880 --> 0:46:07.400
<v Speaker 2>But the cremetella. Come oh my love cars and shit anyway. Yeah,

0:46:07.440 --> 0:46:09.200
<v Speaker 2>but I will say my one thing that I am

0:46:09.200 --> 0:46:10.839
<v Speaker 2>glad I did is I started a I did a

0:46:10.840 --> 0:46:13.520
<v Speaker 2>registry because that's the only name for it. I did

0:46:13.560 --> 0:46:15.799
<v Speaker 2>a target registry for the boys so that I could

0:46:15.920 --> 0:46:18.600
<v Speaker 2>choose what went on it because my family tries it

0:46:18.640 --> 0:46:19.160
<v Speaker 2>every year.

0:46:19.520 --> 0:46:22.360
<v Speaker 1>I love that, you know, that's really smart. My sister

0:46:22.440 --> 0:46:24.439
<v Speaker 1>usually does do like Carol will do like a thing

0:46:24.760 --> 0:46:26.520
<v Speaker 1>because I'm like, I don't want to guess because she

0:46:26.520 --> 0:46:28.520
<v Speaker 1>has the kids pick out whatever, and it's hilarious because

0:46:28.520 --> 0:46:30.839
<v Speaker 1>it'll be like, you know, like toys, and it'll also

0:46:30.880 --> 0:46:33.880
<v Speaker 1>be like socks, lunchbox. I'm like, I feel like this

0:46:33.960 --> 0:46:34.760
<v Speaker 1>is a mommy register.

0:46:34.880 --> 0:46:37.880
<v Speaker 2>She's like, whatever, girl, just get and people avoid the

0:46:37.960 --> 0:46:42.080
<v Speaker 2>nice practical things. It's really annoying because it would.

0:46:41.840 --> 0:46:45.640
<v Speaker 1>Be like socks, I didn't add that on here. She's like,

0:46:45.640 --> 0:46:49.400
<v Speaker 1>don't worry, I'm trying to get something done. But you

0:46:49.440 --> 0:46:51.040
<v Speaker 1>know you could also do too. This is that's actually

0:46:51.080 --> 0:46:55.200
<v Speaker 1>has been really helpful for purchasing furniture for the new place.

0:46:55.719 --> 0:46:59.239
<v Speaker 1>Is that my designer. She will screenshot the furniture and

0:46:59.280 --> 0:47:03.120
<v Speaker 1>then do a Google image to look up because all

0:47:03.160 --> 0:47:07.439
<v Speaker 1>these places, all my classes, what many like. I bought

0:47:07.440 --> 0:47:10.720
<v Speaker 1>a back from Vanity and it was originally I really

0:47:10.760 --> 0:47:13.160
<v Speaker 1>loved it. Originally it was twenty three hundred dollars. No, no,

0:47:13.480 --> 0:47:15.640
<v Speaker 1>it was more than that. It was like over three

0:47:15.680 --> 0:47:17.799
<v Speaker 1>thousand dollars. I'm like, I'm not paying that. And so

0:47:17.880 --> 0:47:23.040
<v Speaker 1>we did a Google look up and found in someplace else,

0:47:23.120 --> 0:47:24.719
<v Speaker 1>like I don't know, bed back, some place I didn't

0:47:24.719 --> 0:47:25.160
<v Speaker 1>even know they.

0:47:25.080 --> 0:47:27.920
<v Speaker 2>Sold Vanity allmodern dot com yeah or whatever.

0:47:27.960 --> 0:47:31.239
<v Speaker 1>We found it for fifteen hundred dollars half off, so

0:47:31.280 --> 0:47:34.360
<v Speaker 1>the same Vanity really beautiful, and I was like and

0:47:34.400 --> 0:47:36.520
<v Speaker 1>so like, so it's just even searching for certain things,

0:47:36.560 --> 0:47:38.279
<v Speaker 1>don't be afraid to do a Google look up to

0:47:38.320 --> 0:47:42.200
<v Speaker 1>see because they're all ordering from the same like manufacturer,

0:47:42.239 --> 0:47:45.080
<v Speaker 1>and then they're putting based upon whatever their brand equity is,

0:47:45.120 --> 0:47:48.239
<v Speaker 1>whatever their brand name is, putting like slapping, you know,

0:47:48.320 --> 0:47:50.839
<v Speaker 1>they're like, well it's from here, so it's more money.

0:47:50.920 --> 0:47:54.960
<v Speaker 1>So that Google photo lookup is everything. Honestly, I love

0:47:55.040 --> 0:47:55.680
<v Speaker 1>Google lens.

0:47:55.719 --> 0:47:58.239
<v Speaker 2>Nothing is safe. Now, I'll we'll figure out where you

0:47:58.320 --> 0:48:03.200
<v Speaker 2>got everything. Oh well, you guys can check out made

0:48:03.239 --> 0:48:06.200
<v Speaker 2>Whole get the book. It's on sale. Yesterday, so you're

0:48:06.239 --> 0:48:09.200
<v Speaker 2>late if you haven't gotten me yet. Maid Whole workbook

0:48:09.400 --> 0:48:14.200
<v Speaker 2>dot Com, congratulations to thank you. Another bestseller in the making.

0:48:15.000 --> 0:48:17.480
<v Speaker 1>Well, workbooks don't make the New York Times Bestsellers list.

0:48:17.400 --> 0:48:19.839
<v Speaker 2>But still there's other bestsellers.

0:48:20.040 --> 0:48:23.440
<v Speaker 1>Yeah, we're please. Came about all that. Now, just go

0:48:23.440 --> 0:48:26.040
<v Speaker 1>ahead and get your get your work. Like you know,

0:48:26.040 --> 0:48:27.640
<v Speaker 1>we don't get you on a New York Times bestseller,

0:48:27.680 --> 0:48:29.920
<v Speaker 1>but I already got mine, Chop, I never get another one.

0:48:29.920 --> 0:48:32.759
<v Speaker 1>They still have to call.

0:48:30.800 --> 0:48:38.200
<v Speaker 2>Me chapter one one stuff at a time. Manitor said

0:48:38.239 --> 0:48:40.880
<v Speaker 2>she liked it, and I cried, do that talk more times?

0:48:40.920 --> 0:48:42.960
<v Speaker 1>Guys. I can't wait to read it.

0:48:43.760 --> 0:48:45.960
<v Speaker 2>All right, let's take a quick break and we'll come

0:48:46.040 --> 0:48:50.400
<v Speaker 2>right back for a little Thanksgiving booster break.

0:48:49.000 --> 0:48:58.799
<v Speaker 1>Yes, and we're back, and we're black to boost or

0:48:59.000 --> 0:49:03.080
<v Speaker 1>break and now it's time to boost up, break up,

0:49:03.120 --> 0:49:06.240
<v Speaker 1>boost up, break up, boost up, break up? Boo boo?

0:49:07.360 --> 0:49:11.200
<v Speaker 1>Is you gonna break? What you're gonna do, what you're

0:49:11.200 --> 0:49:14.279
<v Speaker 1>gonna take? Sidebar. The girl said, we love when you

0:49:14.280 --> 0:49:15.680
<v Speaker 1>sing on the show. I was like, I sing on

0:49:15.719 --> 0:49:17.520
<v Speaker 1>the show, and I'm like, oh, that's would too.

0:49:19.600 --> 0:49:21.319
<v Speaker 2>My nightmare is when you're gone and I have to

0:49:21.360 --> 0:49:24.719
<v Speaker 2>sing like you guys don't really want this for me?

0:49:25.080 --> 0:49:28.840
<v Speaker 2>Do like like it is time to boost to break,

0:49:29.400 --> 0:49:31.319
<v Speaker 2>ladies and gentlemen, do.

0:49:31.320 --> 0:49:32.800
<v Speaker 1>You want to go first? So do you want to boot?

0:49:33.320 --> 0:49:36.920
<v Speaker 2>I'll do first. So I wanted to boost. I actually

0:49:37.160 --> 0:49:40.760
<v Speaker 2>thought of this because I'm trying to We just talked

0:49:40.760 --> 0:49:44.440
<v Speaker 2>about the holidays and how I'm finding myself very tempted

0:49:44.480 --> 0:49:47.200
<v Speaker 2>to buy a lot for the kids. But one of

0:49:47.239 --> 0:49:49.719
<v Speaker 2>my neighbors put me on to this Facebook group called

0:49:49.719 --> 0:49:53.239
<v Speaker 2>the buy Nothing Uh and insert your town's name or

0:49:53.280 --> 0:49:56.879
<v Speaker 2>your city's name. They're very specific to your city, and

0:49:57.000 --> 0:50:00.920
<v Speaker 2>it's such a treasure trove. It's like, you know, hundreds

0:50:00.920 --> 0:50:03.080
<v Speaker 2>of people are in are in our buy nothing group

0:50:03.120 --> 0:50:05.239
<v Speaker 2>on Facebook, and you can post things like I just

0:50:05.600 --> 0:50:08.000
<v Speaker 2>I'm in the basement. So I posted some flooring that

0:50:08.040 --> 0:50:11.319
<v Speaker 2>we never used. Someone's already scooped it up. And then

0:50:11.480 --> 0:50:14.840
<v Speaker 2>the thing that I was looking for for for remy

0:50:15.680 --> 0:50:18.359
<v Speaker 2>I put an in search of and someone's like, yes,

0:50:18.440 --> 0:50:19.240
<v Speaker 2>let me go at the basement.

0:50:19.239 --> 0:50:20.160
<v Speaker 1>I'm gonna look one up.

0:50:20.239 --> 0:50:23.279
<v Speaker 2>So if you're especially if you're someone with kids, or

0:50:23.320 --> 0:50:26.320
<v Speaker 2>you're you know, even if you're like renovating or flipping something,

0:50:26.760 --> 0:50:30.799
<v Speaker 2>the buy nothing groups on Facebook are clutch because it's

0:50:30.800 --> 0:50:34.359
<v Speaker 2>all about like the recycle economy and not having to

0:50:34.360 --> 0:50:38.160
<v Speaker 2>buy brand new things. Even if you can afford nice things,

0:50:38.200 --> 0:50:41.400
<v Speaker 2>why not just like you know, give give something to

0:50:41.520 --> 0:50:46.000
<v Speaker 2>a new home, give it a new lease on life.

0:50:46.160 --> 0:50:49.319
<v Speaker 2>So buy nothing on Facebook. Go check them out.

0:50:49.719 --> 0:50:51.880
<v Speaker 1>I'm like looking up. Now, is it bad if you

0:50:51.920 --> 0:50:54.359
<v Speaker 1>try to, like, you know, buy nothing from a from

0:50:54.400 --> 0:50:56.479
<v Speaker 1>a neighboring wealthy down?

0:50:56.920 --> 0:50:59.680
<v Speaker 2>Wow, this is the thing. They when I went to

0:50:59.719 --> 0:51:02.240
<v Speaker 2>sign up because I wasn't a buy nothing for my city.

0:51:02.600 --> 0:51:04.319
<v Speaker 2>But then I went to check it and it was like, oh,

0:51:04.360 --> 0:51:06.440
<v Speaker 2>we've just we've closed this group. Now there's a buy

0:51:06.520 --> 0:51:08.719
<v Speaker 2>nothing for your town. And when I when I, they

0:51:08.760 --> 0:51:12.439
<v Speaker 2>ask you questions like what's your cross street? And can

0:51:12.520 --> 0:51:14.759
<v Speaker 2>you promise that you're not you don't You're in no

0:51:14.880 --> 0:51:16.920
<v Speaker 2>other buy nothing groups. We want to keep it all

0:51:16.920 --> 0:51:19.080
<v Speaker 2>in this group, so they don't want to see that

0:51:19.160 --> 0:51:21.640
<v Speaker 2>you're in other buy nothing groups in different places. To

0:51:21.680 --> 0:51:24.080
<v Speaker 2>your point about like where the rich area codes are

0:51:24.080 --> 0:51:24.560
<v Speaker 2>and stuff.

0:51:25.120 --> 0:51:32.080
<v Speaker 1>Yeah, no, I don't know if I'm able to see

0:51:32.080 --> 0:51:33.560
<v Speaker 1>what town you live in. Let me just go ahead

0:51:33.560 --> 0:51:36.640
<v Speaker 1>and on cancel that request. Yeah, because the town that

0:51:36.680 --> 0:51:40.120
<v Speaker 1>I haven't. You know, I'm not the racist. No, it's

0:51:40.120 --> 0:51:40.600
<v Speaker 1>not racist.

0:51:40.600 --> 0:51:42.360
<v Speaker 2>I didn't say I can see what town you live in.

0:51:42.760 --> 0:51:44.600
<v Speaker 1>Yeah, I was like. I was like, it's like we

0:51:44.680 --> 0:51:47.080
<v Speaker 1>have to cancel requests because we're able to if I'm

0:51:47.120 --> 0:51:48.440
<v Speaker 1>not able to see what town you live in and

0:51:48.480 --> 0:51:50.640
<v Speaker 1>you know my town is on my thing, and I'm like, yeah,

0:51:51.120 --> 0:51:52.680
<v Speaker 1>I mean I can understand now because you can't be

0:51:52.719 --> 0:51:53.319
<v Speaker 1>over here, like.

0:51:53.920 --> 0:51:55.799
<v Speaker 2>I haven't even given a new work a chance yet

0:51:55.800 --> 0:51:57.920
<v Speaker 2>to go on. Now stop.

0:51:58.000 --> 0:51:59.640
<v Speaker 1>I love my city, but I don't know.

0:52:01.040 --> 0:52:02.680
<v Speaker 2>Yeah, what do you think I'm gonna find? Now? I

0:52:02.719 --> 0:52:04.720
<v Speaker 2>want to know what is on the buy nothing in Newark?

0:52:04.760 --> 0:52:08.520
<v Speaker 1>Go yeah, buy nothing? I mean I don't even know.

0:52:09.120 --> 0:52:13.000
<v Speaker 1>You never know, You're right. I feel like, does even Newark,

0:52:13.040 --> 0:52:19.960
<v Speaker 1>New Jersey have a buy nothing? Yell buy nothing Newark? Okay?

0:52:20.200 --> 0:52:22.200
<v Speaker 1>I mean it's just, oh, here's the thing, though there's

0:52:23.480 --> 0:52:31.040
<v Speaker 1>multiple there's newer Work, Delaware, responsible Newark buy nothing. Let

0:52:31.120 --> 0:52:33.760
<v Speaker 1>me see. I wonder if this is the right to Newark.

0:52:37.560 --> 0:52:40.200
<v Speaker 1>I don't know, buy nothing Newark? Okay? Well, I have the.

0:52:40.239 --> 0:52:43.080
<v Speaker 2>Jersey City buy nothing downtown Jersey City.

0:52:43.400 --> 0:52:45.239
<v Speaker 1>Yeah, but I'm not you know, I don't I don't

0:52:45.239 --> 0:52:47.560
<v Speaker 1>know if they're gonna accept me, but anyway, I'm gonna

0:52:47.560 --> 0:52:50.560
<v Speaker 1>se because I like that idea, you know. So my

0:52:50.560 --> 0:52:52.920
<v Speaker 1>boost is super easy, breezy because I'm like, I'm not

0:52:52.920 --> 0:52:55.320
<v Speaker 1>gonna do a break child. It's right before the thanks

0:52:55.320 --> 0:52:59.759
<v Speaker 1>of the Giving, and so my boost is I'm just

0:52:59.800 --> 0:53:02.040
<v Speaker 1>so glad that I have been able to convince my

0:53:02.160 --> 0:53:06.239
<v Speaker 1>very traditional African mama that it is okay to order

0:53:06.560 --> 0:53:08.400
<v Speaker 1>all the Thanksgiving food so she doesn't have to be

0:53:08.400 --> 0:53:12.080
<v Speaker 1>stressed out, you know, like I love that for her.

0:53:12.160 --> 0:53:14.080
<v Speaker 1>My mom is in my hey, Sylvia, I know you

0:53:14.080 --> 0:53:16.520
<v Speaker 1>don't listen because girl, you wouldn't even know how, but

0:53:17.280 --> 0:53:19.399
<v Speaker 1>she is in her soft g era and I love

0:53:19.480 --> 0:53:23.000
<v Speaker 1>that for her, Like she worked so hard for so

0:53:23.120 --> 0:53:25.120
<v Speaker 1>long as a nurse, which was really like a lot

0:53:25.160 --> 0:53:27.200
<v Speaker 1>on your body, you're always on your feet, and then

0:53:27.280 --> 0:53:29.839
<v Speaker 1>raising five girls doing our handmade so we were cute

0:53:29.840 --> 0:53:31.839
<v Speaker 1>taking us to church, you know, not that my dad

0:53:31.840 --> 0:53:34.080
<v Speaker 1>didn't participate, but you know, moms end up being typically

0:53:34.160 --> 0:53:37.799
<v Speaker 1>the primary, you know, of child rear, although my dad

0:53:37.880 --> 0:53:40.680
<v Speaker 1>was really active too, but you know, a lot of

0:53:40.680 --> 0:53:44.920
<v Speaker 1>it fell on her, especially were all girls, and she

0:53:45.040 --> 0:53:47.320
<v Speaker 1>did a lot of sacrificing I mean she literally didn't

0:53:47.320 --> 0:53:50.000
<v Speaker 1>stop working nights until Lisa was in college because she

0:53:50.080 --> 0:53:51.560
<v Speaker 1>wanted to be home during the day in case we

0:53:51.600 --> 0:53:54.440
<v Speaker 1>needed her, and then totally messed up her sleep pattern.

0:53:55.000 --> 0:53:56.600
<v Speaker 1>You know, to this day, she has a hard time

0:53:56.640 --> 0:53:58.680
<v Speaker 1>sleeping through the night because her body is like, no, girl,

0:53:58.719 --> 0:54:01.520
<v Speaker 1>that's when we work, you know. And so I just

0:54:01.560 --> 0:54:03.160
<v Speaker 1>think about all that. So when I was able to

0:54:03.160 --> 0:54:07.440
<v Speaker 1>pay off the house for them, maybe like five six

0:54:07.560 --> 0:54:09.920
<v Speaker 1>years ago, I was able to do so, you know,

0:54:10.520 --> 0:54:13.160
<v Speaker 1>and being able to send them money every month, I

0:54:13.200 --> 0:54:15.359
<v Speaker 1>send my dad a mom like separate checks as per

0:54:15.520 --> 0:54:18.600
<v Speaker 1>their request. Really, I was like, why don't I just

0:54:18.600 --> 0:54:20.440
<v Speaker 1>do My mom was like, no, I want my send

0:54:20.520 --> 0:54:23.160
<v Speaker 1>me a check separately. I'm like a check, you know what,

0:54:23.239 --> 0:54:28.640
<v Speaker 1>I forget? So I send them. I mean, you know,

0:54:28.719 --> 0:54:31.160
<v Speaker 1>but I love the fact that like that money is like,

0:54:31.200 --> 0:54:33.279
<v Speaker 1>you know, the bills already paid, So that money is

0:54:33.320 --> 0:54:35.200
<v Speaker 1>just money for her to just enjoy and my dad

0:54:35.239 --> 0:54:38.120
<v Speaker 1>to do whatever he wants to do with it. And

0:54:38.160 --> 0:54:40.719
<v Speaker 1>so it took her years of me sending her that

0:54:40.800 --> 0:54:43.520
<v Speaker 1>money before she realized she could kind of spend it,

0:54:44.080 --> 0:54:46.960
<v Speaker 1>because you know, you know, as a as a mom, manny,

0:54:47.000 --> 0:54:51.000
<v Speaker 1>how much you just like innately, you know, you're sacrificing.

0:54:51.560 --> 0:54:53.560
<v Speaker 1>So she didn't even know when there was nobody to

0:54:53.600 --> 0:54:56.520
<v Speaker 1>sacrifice for how not to squirrel it away because she'd

0:54:56.560 --> 0:54:59.360
<v Speaker 1>be like, I'm saving it. I'm like for what Since

0:54:59.360 --> 0:55:00.480
<v Speaker 1>we're here now, She's.

0:55:00.360 --> 0:55:02.000
<v Speaker 2>Like, maybe you'll need it one day. I'll save it

0:55:02.040 --> 0:55:04.759
<v Speaker 2>for you. She was saying, literally believe it.

0:55:04.800 --> 0:55:06.640
<v Speaker 1>And I was like, oh, mommy, no ho. She was

0:55:06.640 --> 0:55:07.920
<v Speaker 1>like yeah, but what if Lisa, And I'm like, well,

0:55:07.960 --> 0:55:10.120
<v Speaker 1>then I will will take care of that when it comes.

0:55:10.640 --> 0:55:12.320
<v Speaker 1>Like this is supposed to be for you to just say,

0:55:12.400 --> 0:55:14.360
<v Speaker 1>oh I like that dress, or you know what, I

0:55:14.360 --> 0:55:16.480
<v Speaker 1>do want to get my nails done. It took her

0:55:16.520 --> 0:55:19.399
<v Speaker 1>almost two years to give herself something nice. And now

0:55:19.440 --> 0:55:22.040
<v Speaker 1>I don't unleash the beast because I turned around. You

0:55:22.080 --> 0:55:27.000
<v Speaker 1>know how much this dress cost. It was his fancy,

0:55:27.360 --> 0:55:28.799
<v Speaker 1>you know, and I just love that. I was like,

0:55:28.840 --> 0:55:31.160
<v Speaker 1>look at Mommy, her soft girl. Error. She's just like,

0:55:31.520 --> 0:55:34.239
<v Speaker 1>you know, I get my hair done, I buy my dresses.

0:55:34.800 --> 0:55:38.080
<v Speaker 1>Everything is okay, she said. I just I'm enjoying life,

0:55:38.640 --> 0:55:42.600
<v Speaker 1>you know. And and finally the last frontier was Thanksgiving,

0:55:42.600 --> 0:55:44.319
<v Speaker 1>because you know that's stressful for the mamas. You know

0:55:44.360 --> 0:55:46.920
<v Speaker 1>for those who cook, and so I remember it was

0:55:46.960 --> 0:55:49.160
<v Speaker 1>maybe like the first time we got something made for

0:55:49.200 --> 0:55:51.960
<v Speaker 1>Thanksgiving was maybe like three or four years ago. It

0:55:52.040 --> 0:55:53.840
<v Speaker 1>was like she was like, I really don't want to

0:55:53.840 --> 0:55:55.640
<v Speaker 1>make the turkey this year. And so Vonda was doing

0:55:55.640 --> 0:55:58.480
<v Speaker 1>her famous fried turkey. And so my friend Vonda, who

0:55:58.520 --> 0:56:01.400
<v Speaker 1>did my she did my all, my wedding anniversary, she

0:56:01.440 --> 0:56:03.920
<v Speaker 1>did my wedding, she did my fortieth birthdays. And Vonda

0:56:03.960 --> 0:56:06.880
<v Speaker 1>is a good friend who makes amazing food. And so

0:56:06.920 --> 0:56:09.280
<v Speaker 1>I was like, okay, I'll see if someone makes turkeys,

0:56:09.320 --> 0:56:11.640
<v Speaker 1>and Vonda did. So I picked up a turkey. And

0:56:11.680 --> 0:56:14.360
<v Speaker 1>then the next year it was like, okay, turkey and

0:56:14.400 --> 0:56:16.919
<v Speaker 1>maybe some sides, but she's still largely cooked my mom.

0:56:17.200 --> 0:56:20.520
<v Speaker 1>And then like last year, it was all Vonda. And

0:56:20.560 --> 0:56:22.600
<v Speaker 1>so this year my mom was like, so is that

0:56:22.680 --> 0:56:25.320
<v Speaker 1>Vonda going to be Mickey. I'm like, oh, look at mommy,

0:56:25.520 --> 0:56:27.680
<v Speaker 1>she is ready. And so I love that. So I

0:56:27.719 --> 0:56:29.920
<v Speaker 1>called Vonda. She's making all the fixed things. I also

0:56:29.960 --> 0:56:32.960
<v Speaker 1>added in Nisha, who's to cook for me and Jarell,

0:56:33.680 --> 0:56:36.319
<v Speaker 1>because Nisia makes amazing turkey chops, which I don't really

0:56:36.360 --> 0:56:40.640
<v Speaker 1>eat turkey, but like I think about pork chops. But

0:56:40.719 --> 0:56:43.120
<v Speaker 1>I don't eat work and so, but like so made

0:56:43.160 --> 0:56:46.799
<v Speaker 1>in a pork chop fashion. But turkey, they interests want

0:56:46.800 --> 0:56:49.399
<v Speaker 1>to tell you made it so good because turkey. Usually

0:56:49.400 --> 0:56:51.399
<v Speaker 1>I don't really like turkey, even on Thanksgiving. I find

0:56:51.400 --> 0:56:53.480
<v Speaker 1>it to be kind of dry, even when it's done.

0:56:53.320 --> 0:56:55.000
<v Speaker 2>Well, really advertizing word.

0:56:55.360 --> 0:57:01.200
<v Speaker 1>No but turkey. Nissa's turkey chops gravy, the ooh salamon,

0:57:01.640 --> 0:57:05.040
<v Speaker 1>and her corn bread. NIS's corn bread is top. Her

0:57:05.080 --> 0:57:08.960
<v Speaker 1>corn bread is almost like buttercake. It is so delicious.

0:57:08.960 --> 0:57:11.239
<v Speaker 1>So I asked you she can make corn bread and

0:57:11.280 --> 0:57:12.960
<v Speaker 1>turkey chops, and then Vonda is going to make the

0:57:12.960 --> 0:57:16.439
<v Speaker 1>rest of the thing. So literally, it was texting today

0:57:16.440 --> 0:57:17.800
<v Speaker 1>it was like, what are we doing for Thanksgiving? I'm like,

0:57:17.800 --> 0:57:20.840
<v Speaker 1>it's already done, just come. So I always have plates

0:57:20.840 --> 0:57:23.920
<v Speaker 1>and cups and napkins. I just ordered those like food burners,

0:57:23.960 --> 0:57:27.360
<v Speaker 1>sternal things that you put underneath the you know, the pants,

0:57:27.440 --> 0:57:29.400
<v Speaker 1>make it keep it warm. So I love the fact

0:57:29.400 --> 0:57:31.800
<v Speaker 1>that everyone's just gonna be able to come in enjoy.

0:57:32.120 --> 0:57:35.160
<v Speaker 1>There's no stress for me either, because everything's here already.

0:57:36.360 --> 0:57:38.360
<v Speaker 1>It's the house is already very kid friendly, so the

0:57:38.400 --> 0:57:40.440
<v Speaker 1>kids can play. They're very comfortable, so it'd be a

0:57:40.440 --> 0:57:45.000
<v Speaker 1>really nice, family, laid back Thanksgiving. So I that is

0:57:45.040 --> 0:57:48.280
<v Speaker 1>my boost that you know that we are all kind

0:57:48.280 --> 0:57:50.920
<v Speaker 1>of like in this soft girl error and that family

0:57:50.960 --> 0:57:53.720
<v Speaker 1>traditions change and that can be positive too. And so

0:57:54.400 --> 0:57:57.040
<v Speaker 1>you know, we wish that you you listen to this

0:57:57.080 --> 0:57:59.959
<v Speaker 1>on Wednesday, So we hope that you have how whatever

0:58:00.240 --> 0:58:02.280
<v Speaker 1>you celebrate, even if you don't celebrate Thanksgiving, we can

0:58:02.360 --> 0:58:05.360
<v Speaker 1>understand why some people might not. Certainly I'm not celebrated

0:58:05.520 --> 0:58:08.880
<v Speaker 1>celebrating the colonization of this country, but I am celebrating

0:58:08.920 --> 0:58:10.760
<v Speaker 1>the fact that I get to spend time with my family.

0:58:11.400 --> 0:58:14.120
<v Speaker 2>And yeah, for you brings home up color your own pilgrim,

0:58:14.120 --> 0:58:15.800
<v Speaker 2>I'm gonna have to sit him down and have a talk.

0:58:16.720 --> 0:58:20.960
<v Speaker 2>I'll start them early, I know, like, oh, my goodness,

0:58:21.240 --> 0:58:29.520
<v Speaker 2>my little colonizer. He has a robot for a face.

0:58:29.760 --> 0:58:31.000
<v Speaker 2>Oh let's talk.

0:58:30.880 --> 0:58:35.160
<v Speaker 1>About my gosh. But yeah, so we just hope that

0:58:35.200 --> 0:58:36.840
<v Speaker 1>you have an awesome time with your family. And if

0:58:36.840 --> 0:58:38.680
<v Speaker 1>you can't have awes time with your family for whatever reason,

0:58:38.720 --> 0:58:42.000
<v Speaker 1>we hope that you find somebody or somebody's to like

0:58:42.040 --> 0:58:44.640
<v Speaker 1>spend time with. And you know that if you so wish.

0:58:44.880 --> 0:58:48.240
<v Speaker 2>Yeah, well I'm thankful for you, NBA fan as ever,

0:58:48.760 --> 0:58:52.640
<v Speaker 2>Thank y'all so much for all the support, all the love,

0:58:53.160 --> 0:58:55.680
<v Speaker 2>and for I was always holding us down.

0:58:56.160 --> 0:59:00.680
<v Speaker 1>Always another Turkey day in the books. I know. Well,

0:59:00.680 --> 0:59:02.960
<v Speaker 1>we'll see you on Friday, though, Please don't play yourself

0:59:02.960 --> 0:59:04.320
<v Speaker 1>after Thanksgiving. You gotta be bored.

0:59:05.000 --> 0:59:11.360
<v Speaker 2>Listen to that Friday, I give it. Thank you, Okay,

0:59:11.400 --> 0:59:11.960
<v Speaker 2>bye y'all.

0:59:12.080 --> 0:59:16.160
<v Speaker 1>Bye,