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Speaker 1: Hey hey, hey, we're back. We're black, We're brown.
Speaker 2: Somebody want to send me a dog, a new dog
Speaker 2: for Christmas? My dog?
Speaker 1: Listen her mind? Oh my good, Megra we're back in
Speaker 1: the saddle.
Speaker 2: Hey you last show of twenty twenty.
Speaker 1: I know we should have done like a recap or
Speaker 1: something like that. We should.
Speaker 2: I'll do a recap of twenty twenty for you right now.
Speaker 2: You're ready.
Speaker 1: Yes, it's.
Speaker 2: Okay, there you go, we're done. No, well, there were
Speaker 2: some actually, there were a lot of highlights. Can you
Speaker 2: believe a year ago, a year ago, we were we
Speaker 2: had taken time off, a little bit of time off
Speaker 2: when I had the baby. And then yeah, it feels
Speaker 2: like one hundred million years ago that we brought BA
Speaker 2: back in twenty twenty. And I'm sure we said all
Speaker 2: kinds of hopeful things for the new year. I, like
Speaker 2: everybody else I know, always said maybe maybe we should
Speaker 2: end on that, like some hopeful things for twenty twenty one,
Speaker 2: that what we're hoping for.
Speaker 1: I think that'd be amazing to end on. But yeah, no,
Speaker 1: but you're right, I'm sure we were like and then
Speaker 1: and that wait what pandemic quarantine? Yeah? Yes, and now
Speaker 1: six hundred dollars in stimulus money. Yeah.
Speaker 2: Deja vu? Right, deja vu, except like a worst dajah
Speaker 2: vu because it's not as sweet as the first deja poo. Yeah,
Speaker 2: let's break it down, because it's just you know, I think, wait,
Speaker 2: today is Monday. I had to look at my computer
Speaker 2: to be like, what day of the week is it?
Speaker 2: Because I believe the text of the bill that Congress
Speaker 2: still hasn't totally voted on as of when we're when
Speaker 2: we're recording on this, but they expect to be voting
Speaker 2: on this new stimulus package, and there's all kinds of
Speaker 2: goodies in it, not maybe as as good as they
Speaker 2: could be, because honestly, first of all, the fact that
Speaker 2: it's taken them this long, ugh is is sad and pathetic.
Speaker 2: So it may just be too little, too late for
Speaker 2: some people. But there are there is some reliefs. I
Speaker 2: think we should do some unpacking. Do you want to
Speaker 2: start with that six hundred dollars stimulus.
Speaker 1: Sure, quote unquote, So just so you know, like they
Speaker 1: so to Mandy's point, it's a it's set to pass,
Speaker 1: and it's nearly one it's nearly one trillion dollar coronavirus
Speaker 1: relief bills, just so you just know, like what the
Speaker 1: overall bill is. And the slim down checks look like
Speaker 1: six hundred dollars for individuals earning up to seventy five
Speaker 1: thousand dollars and couples earning one fifty or less, and
Speaker 1: it's really half the value of the first round of
Speaker 1: checks issued under the Coronavirus Aid Relief and Economic Stability
Speaker 1: or AKA the CARES Act. So also, two tax payers
Speaker 1: will also receive an additional six hundred dollars for each
Speaker 1: child under seventeen. So let's just say it's you and
Speaker 1: your hubby you earn you know, I don't know, one
Speaker 1: hundred thousand dollars between the two of y'all. You're going
Speaker 1: to get the six hundreds, and then you have two
Speaker 1: kids you're gonna get and they're both ten ten years,
Speaker 1: you'll get another twelve hundred, So eighteen hundred altogether.
Speaker 2: Yay. It just hit me that that's only half, because
Speaker 2: you're right, it was twelve hundred the last time around.
Speaker 1: God, they're so.
Speaker 2: Cheap, so cheap, and Theykay, let's let's focus because I
Speaker 2: just keep thinking about this post. I saw about Lindsay
Speaker 2: Graham getting the vaccine, and I'm like, your entire party
Speaker 2: just wanted to call this whole thing a hoax, like
Speaker 2: why are you first in line to get a vaccine?
Speaker 2: But anyway, Uh, for my dad, what I'm looking at
Speaker 2: is unemployment benefits.
Speaker 1: Yeah, I saw that. Yeah, because his.
Speaker 2: Unemployment benefits were going to expire like everyone else's at
Speaker 2: the end of this month, but now they have been extended.
Speaker 2: And so I'm reading the new York Times here just
Speaker 2: to you know, reveal my sources and I want to
Speaker 2: get this right, but yeah, they lawmakers are going to
Speaker 2: extend the amount of time people can collect unemployment benefits.
Speaker 2: And it would also remember that the extra six hundred
Speaker 2: dollars a week that folks were getting at the beginning
Speaker 2: of pandemic as part of that stimulus package. So the
Speaker 2: theme for this new stimulus package is let's do the
Speaker 2: same thing but make it worse. So instead of six
Speaker 2: hundred dollars a week, they're going to be getting three
Speaker 2: hundred dollars a week extra on top of their unemployment benefits,
Speaker 2: which isn't nothing, but it's not amazing.
Speaker 1: And that extra three.
Speaker 2: Hundred dollars that will last through March fourteenth, Okay.
Speaker 1: And also I understand there's an increased food aid and
Speaker 1: emergency rental assistance that's been included in this package.
Speaker 2: So thank god, I want to read about that. I
Speaker 2: was trying to scroll down to read about the renters
Speaker 2: assistance because that truly is the and foreclosure protection too,
Speaker 2: because that really is the for me, that is the
Speaker 2: real threat to so many on the brink is will
Speaker 2: they lose their homes? And you know, I understand it's
Speaker 2: not just about renters, you know, becoming homeless. There's there's
Speaker 2: landlords who are not big corporations who also have mortgages
Speaker 2: to pay and all that. So what are you seeing
Speaker 2: on your end? Because I'm still scrolling to figure out,
Speaker 2: you know.
Speaker 1: So it hasn't been fully worked out yet. But so
Speaker 1: there's something called SNAP. I forget what SNAP stands.
Speaker 2: For Pomental Nutritional Aid. I know because I had to
Speaker 2: sign my dad up for it, but yeah, it's food stamps.
Speaker 1: So right now, the funding is including a fifteen percent
Speaker 1: increase to the maximum SNAP benefits for six months through
Speaker 1: potentially June thirty, twenty twenty one. And so this increased
Speaker 1: the amount to boost to about twenty five dollars per
Speaker 1: person each month, which is I gonna say, kind of crazy.
Speaker 1: So like, according to this that's really crazy. That's basically
Speaker 1: saying a dollar thirty nine per person per meal, which
Speaker 1: is like, how can you really even I mean, what
Speaker 1: can you do with that butt? So but at least
Speaker 1: there'll be an increase, that's what that's looking like. And
Speaker 1: rental I'm just looking at for you guys, just so
Speaker 1: you know, I'm looking at CNBC as my current source.
Speaker 1: So for emergency rental ooh, I see surant, I got it. Yeah,
Speaker 1: so rental eviction. So this is something yeah, I remember
Speaker 1: now because the trumpet meant imistration. They it was they
Speaker 1: used the CDC, which was kind of odd. But the
Speaker 1: CDC had extended previously the eviction ban through the end
Speaker 1: of the year. This extends it again till the thirty
Speaker 1: first of January. So that means if you're renting and
Speaker 1: you can't afford to pay your rent, you can download
Speaker 1: a form from the CDC's website to show that you're
Speaker 1: eligible for the you know, the the what.
Speaker 2: Do you call it? Why can't I find the words
Speaker 2: that you're not that you can't get kicked out of
Speaker 2: your house? Basically, then we can post a link to
Speaker 2: this guy this resource in our show notes as well.
Speaker 2: But that's something at least.
Speaker 1: Yeah, but whenever I hear that, I always senk to myself.
Speaker 1: So okay, there's a ripple effect. So let's just say
Speaker 1: you can't afford your rent, so you can't be evicted.
Speaker 1: So then what about the landlord? Yeah, you know, because
Speaker 1: that's not their primary residence for most landlords, and so
Speaker 1: it's their protection for them, because if I can't pay
Speaker 1: my mortgage and I'm not included in the you know,
Speaker 1: the cares actors. That relates to not losing my home,
Speaker 1: my primary residence, because this is it a investment property.
Speaker 1: What does that mean?
Speaker 2: You know, well, thank you Tiffany for asking, because I'm
Speaker 2: looking at that section now mortgage for barons. So this
Speaker 2: is something that a lot of homeowners took advantage of.
Speaker 2: So if you're struggling to make your payments, and for
Speaker 2: landlords that's you know, you have a mortgage like everybody else,
Speaker 2: you may qualify for a forbearance, which basically tells the
Speaker 2: bank you know, we're going to the bank tells you
Speaker 2: we can let you pause or reduce your payments for
Speaker 2: up to one hundred and eighty days. After that, homeowners
Speaker 2: can ask for an additional one hundred and eighty days.
Speaker 2: According to the Times, and it says that these rules
Speaker 2: which apply to federally backed mortgages. So those are the
Speaker 2: you know, the I think federal like g what's it
Speaker 2: called Fanny and Freddy. I mean, they hold the vast
Speaker 2: majority of mortgages in the US. So this wild apply
Speaker 2: to most homeowners. Yeah, so it applies to federally back mortgages,
Speaker 2: and there's still an effect as part of the Carezac
Speaker 2: relief package passed in March.
Speaker 1: So I mean this can.
Speaker 2: We talk about for barons though for a second, because yes,
Speaker 2: the thing about the thing that's important for homeowners to
Speaker 2: understand is forbearance. Yes, it would allow you to temporarily
Speaker 2: pause or reduce your payments. But what I'm not clear
Speaker 2: on is so often it's not like you don't owe
Speaker 2: that money. In fact, you have to look at your
Speaker 2: forbearance agreement if your bank sends you one, and or
Speaker 2: ask questions when you call them up to talk about forbearance,
Speaker 2: because they may expect you to have a lump sum
Speaker 2: payment to cover you know, how many months is one
Speaker 2: hundred and eighty days on six months to have six
Speaker 2: months of payments ready when that that relief window is over,
Speaker 2: which to me doesn't sound very much like a benefit.
Speaker 1: Yeah, because if I had it, then I wouldn't need
Speaker 1: the relief.
Speaker 2: Yeah.
Speaker 1: And then you know there is a worry about like,
Speaker 1: so what happens when it's all said and done? You
Speaker 1: know what happens when you know, you know, the forbearance
Speaker 1: is lifted, and do you owe all in a lump
Speaker 1: sum does it get kind of like an enveloped and
Speaker 1: folded back in to your current mortgage. I mean, it's
Speaker 1: just crazy times, honestly.
Speaker 2: Yeah, you really have to talk to your bank whoever
Speaker 2: you know, whatever bank or financial services company services your
Speaker 2: loan to ask what happens after that for Barons period
Speaker 2: is over. They may ask they may make you eligible
Speaker 2: to push it back when that period's over, But I
Speaker 2: think that's really an important question to ask, and it's
Speaker 2: probably going to vary from bank to bank. There's one
Speaker 2: other thing for homeowners to be aware of, foreclosure protection.
Speaker 2: So we covered renter and eviction protection and we got
Speaker 2: mortgage for Barons. So foreclosure protection in this new package
Speaker 2: says single family homeowners with loans backed by Fanny or
Speaker 2: Freddy would be protected from foreclosure through at least January
Speaker 2: thirty first, twenty twenty one. It was going to expire
Speaker 2: at the end of December, so this is basically an
Speaker 2: extra month. Geez Louise, it feels like they do. It
Speaker 2: just took so much time to get, like, what a
Speaker 2: few months of extra and extra protection for people, So
Speaker 2: what's going to happen at the end of Jay We're
Speaker 2: just gonna be back in the same you know, the
Speaker 2: same place we are in now, waiting for Congress to
Speaker 2: get their act together. It's truly truly twenty twenty for me.
Speaker 2: I will never ever take for granted who my local
Speaker 2: elected officials are ever ever House and Senate. They matter
Speaker 2: so so much. I will never see that for grant now.
Speaker 1: I mean Representative Maxine voters Aati Maxine basically said, it's
Speaker 1: a start, it's something yeah in a nutshell.
Speaker 2: Yeah, absolutely well. I think that's the highlights for small
Speaker 2: business owners. They're the big headline there is that. And
Speaker 2: in small business owners, you know that can be entrepreneurs,
Speaker 2: you know, people who actually have employees, all kinds of things.
Speaker 2: But they're going to be bringing back the PPP program,
Speaker 2: which I realize is actually four p's the paycheck Protection
Speaker 2: Program will be coming back. I think they have like
Speaker 2: an extra twenty five billion dollars worth of aid. Remember
Speaker 2: this is the program that was supposed to give aid
Speaker 2: to struggling small business owners and then like big corporations
Speaker 2: like Ruby Tuesdays, I think was one of them got
Speaker 2: their hand in the pot first, and then there wasn't
Speaker 2: not because of that one big, big business. But basically
Speaker 2: the money ran out really really quickly, and a lot
Speaker 2: of folks weren't able to take advantage of it, struggling
Speaker 2: small businesses. So this time around, you definitely want to
Speaker 2: have her, you know, have your ducks in a row
Speaker 2: and be ready to apply for those benefits asap, asap,
Speaker 2: because there's probably the same fear that the money is
Speaker 2: going to run out, you know, before everybody is able
Speaker 2: to get what they're eligible for.
Speaker 1: So you know, basically, try to make the most of
Speaker 1: what's coming. And I mean, here's the thing. You know,
Speaker 1: we have a new administration that's coming coming forth, so
Speaker 1: there might be forthcoming assistant, so you know, we hope
Speaker 1: for that, but in the meantime, try to make the
Speaker 1: most of what's coming in.
Speaker 2: We hope that you turn up and show out Georgia
Speaker 2: in this special Senate runoff election. We actually got a
Speaker 2: message from someone with a question. I'm going to read
Speaker 2: her question during that during our next segment, but she
Speaker 2: had the end of it. She's like, don't worry, Mandy,
Speaker 2: I'm going to vote in the in the Senate runoff.
Speaker 2: It's so so important, Georgia because this relief, like Tiffany.
Speaker 2: If we expect Joe Biden and Kamala Harris to provide relief,
Speaker 2: they're going to need Congress to do it. Yeah, and
Speaker 2: the Senate especially. We don't have the Senate right now
Speaker 2: in terms of Democrats, and we need both of these
Speaker 2: seats basically to break even to have a fifty to
Speaker 2: fifty split Republicans to Democrats in the Senate. And then
Speaker 2: we'll still need the tie breaking vote from Kamala Harris.
Speaker 2: So she is key in this too. So if you
Speaker 2: guys don't show up and show out in Georgia, we're
Speaker 2: counting on you and Georgia. You know. I do feel
Speaker 2: like Georgia came through obviously in a huge way during
Speaker 2: the general election, but I've been texting my family again
Speaker 2: and I'm not feeling the same excitement, and I'm like,
Speaker 2: y'all need to get out there and vote.
Speaker 3: Please.
Speaker 1: What Yes, I didn't have it to be bad. Just
Speaker 1: say yes, Just say yes, yes, I agree, No, you're right.
Speaker 1: I mean, honestly, I'm doing some posts myself. I was like,
Speaker 1: someone actually just reached out to me. It's like, can
Speaker 1: you post this? Love been like, you know, giving us
Speaker 1: stuff to pose with My friends and I so I'm
Speaker 1: just like, no, you're right, There's there's no other way
Speaker 1: to say. I think I feel like we've always gotten
Speaker 1: like the nation has gotten like a semi civics lesson
Speaker 1: about like, oh, how important other elections are. It's not
Speaker 1: just the big one. The big ones actually is are
Speaker 1: the local ones.
Speaker 2: So literally everything is on the line, future relief packages,
Speaker 2: I mean these I understand why people can be like
Speaker 2: a little I mean not more than a little, but
Speaker 2: just very cynical about elected officials and all of that.
Speaker 2: But truly it has taken like people have only seen
Speaker 2: twelve hundred dollars in how many months, nearly a year
Speaker 2: of this pandemic. That is all that our government has done.
Speaker 2: And that is because we did not have the majority
Speaker 2: of Democrats in Congress. And this could really truly be
Speaker 2: a game changer, and it matters like literally, you know,
Speaker 2: you could be getting a lot more than six hundred
Speaker 2: dollars you know, direct deposited next week. Oh we didn't
Speaker 2: say that those checks are coming, according to according to
Speaker 2: an interview that the t Treasury Secretary that they could
Speaker 2: be coming the week after Christmas, but it could be
Speaker 2: a lot more than that. And and you just gotta.
Speaker 1: Show up and show out.
Speaker 2: Georgia. Okay, yes, okay, I'll calm down. I'm sorry, I'll
Speaker 2: calm down. What else is happening in the world.
Speaker 1: What's happening in the world. I don't know. I just
Speaker 1: feel like every day I'm like listening. Like I never
Speaker 1: was somebody who used to be following every nook and
Speaker 1: cranny of like politics, but I feel like every day
Speaker 1: I'm like like listening for like, you know, what's happening
Speaker 1: with the current you know, like what lawsuits are currently
Speaker 1: out because of our current administration, Like you know what
Speaker 1: what state are they doing now? What person? You know,
Speaker 1: what fake news are they putting forward. It's just like,
Speaker 1: well child, just keeping up with it. It's just been
Speaker 1: really fascinating to learn how things work and what I
Speaker 1: really like, Like I said, I I love following that
Speaker 1: Instagram account with Neil that that that attorney. What I
Speaker 1: like is that what you'll hear is like Julie Rudian,
Speaker 1: you know, said the president. Like it's so funny how
Speaker 1: they'll say say a thing and then like I'll listen
Speaker 1: to Neil and I'm like he'll break down, like yeah,
Speaker 1: that's not true, like they're not legally possible or true,
Speaker 1: and then he'll break down so much so that when
Speaker 1: they went to court, they did not say that you
Speaker 1: can say whatever you want on TV, but when you
Speaker 1: enter into court, you perjure yourself. You go to jail.
Speaker 1: So it's just so fascinating, And I just didn't realize
Speaker 1: just how much lies and deception we're out there. But
Speaker 1: because when things are brought to court, people are very
Speaker 1: careful what they say because you were hold fully accountable,
Speaker 1: I mean, your freedom is actually on the line. So yeah,
Speaker 1: that's just been like my and then I don't know,
Speaker 1: but Manna, did you did you see that l article
Speaker 1: that everybody was talking about yesterday?
Speaker 2: I the Martin scr how do you say his last name?
Speaker 2: Shekel Screlly, Screlly Scarelli.
Speaker 1: I don't know why. It was actually.
Speaker 2: Debating whether or not always going to bring that up
Speaker 2: because it was a big news in my little social
Speaker 2: circle because I used to work with her. The women
Speaker 2: in that article, she and I at a certain point
Speaker 2: in the article they talk about how she used to
Speaker 2: work at a legal do site prior to joining Bloomberg.
Speaker 2: That was the company that I worked for too. They
Speaker 2: were a startup called Law three sixty and I was
Speaker 2: a reporter and she was like, yeah, she was the
Speaker 2: court's reporter and she wasn't really around very much because
Speaker 2: she would be posted downtown New York got the court.
Speaker 2: But anyway, so yeah, I got that email sent to
Speaker 2: me from a couple of couple of formal college.
Speaker 1: So yeah, so let's let's talk about like what happened.
Speaker 1: So if you set the scene, you know, type in
Speaker 1: l and it's probably easier to type in Christine smithe
Speaker 1: sm s m y tt. Sometimes.
Speaker 2: You know, we're going to put a link in the
Speaker 2: show notes. You can just go to our show notes.
Speaker 1: That's true. Through Yeah, so if remind.
Speaker 2: Everybody who Martin Screlly is and why everyone hates.
Speaker 1: Him so they call him aka farmer Bro because I
Speaker 1: remember when, like it was like years ago, there wasn't
Speaker 1: there was this uproar about this pharmaceutical executive that like
Speaker 1: raised the price of EpiPen by like five thousand percent
Speaker 1: something crazy and some other like necessary drugs for people
Speaker 1: to live, and he was taunting people on social he
Speaker 1: thought it was hilarious. One of the things he did too,
Speaker 1: he brought like the WU tang album for two million
Speaker 1: dollars like their most recent one, and then promptly kept
Speaker 1: it and said he's not sharing it with the world.
Speaker 1: It was just a bunch of it was a very strange,
Speaker 1: weird what is going on here? But he definitely did
Speaker 1: a lot of taunting, especially of women, reporters and things,
Speaker 1: and so he just, you know, just overall not a
Speaker 1: great guy.
Speaker 2: Yeah, an a hole if you will, and like relished it.
Speaker 2: He was a Yes, he was a very classic troll.
Speaker 2: And it seems like it was years and years ago,
Speaker 2: but he's still in jail. Did you go to jail
Speaker 2: for it?
Speaker 1: Because he yes, he also had a what are those
Speaker 1: things called the oh not he was a vetro capitalist. No,
Speaker 1: he was a hedge fund. Hedge fund, yep. And so
Speaker 1: he did some like you know, oftentimes people will do
Speaker 1: these morally you know, immoral things, but that's not the
Speaker 1: thing that catches them. It's almost always like taxes, right,
Speaker 1: So so yeah, so he did something with the hedge
Speaker 1: fund and he paid in a way that he wasn't
Speaker 1: supposed to or drew in away he wasn't supposed to,
Speaker 1: and they got him basically for seven years. So you know,
Speaker 1: whatever you know, he gets his just do. But so
Speaker 1: this young woman, Christine, she was assigned to cover him
Speaker 1: and she was one of the first people to kind
Speaker 1: of write a story about him. And as his profile grew,
Speaker 1: you know, she she became closer and closer to him,
Speaker 1: and I guess eventually fell in love with this guy. Meanwhile,
Speaker 1: she was married and she was a respective reporter at
Speaker 1: corner to Elle at Bloomberg. She quit her job because
Speaker 1: they were like, this is a complic of interest. Married,
Speaker 1: quit her job just like it, moved to New Jersey
Speaker 1: to be close to the jail. But he's in it.
Speaker 1: Just it was a crazy story. I was like, what
Speaker 1: is this? So you think that's crazy? So I know
Speaker 1: you're not on clubhouse much, mandra I've been listening. Well
Speaker 1: last night I happened to be scrolling and there was
Speaker 1: a clubhouse room that said about that that Martin, Oh
Speaker 1: you heard it. I would have joined. I know I
Speaker 1: should have, right, So it was like about that that
Speaker 1: l story basically, and I was like, okay. So like
Speaker 1: I poked my head in and they were just talking
Speaker 1: about it. I was like, because that's what made me look.
Speaker 1: I was like, what about the story? So I googled
Speaker 1: it and I read it. I was like, oh, Solicia's
Speaker 1: no biggie. And then I happened to be on the
Speaker 1: twitters and someone was like, ooh, child Christine is in
Speaker 1: a clubhouse discussing the article. I'm like, no, she's not.
Speaker 1: So I flew to cross clubhouse digitally blue and I
Speaker 1: found that clubhouse room and listened for like a good
Speaker 1: thirty forty minutes. Honestly, she sounds a little cuckoos for
Speaker 1: Coco Pops, Like I don't know whether she something snapped
Speaker 1: in her or she is a sociopath herself or she
Speaker 1: it seems like she really enjoys the negativity. Like she
Speaker 1: was relishing and like nobody was yelling at her. Everybody
Speaker 1: was like, you know, just asking questions and things. But
Speaker 1: it seemed like she actually enjoyed all of.
Speaker 2: This attention, like yeah, attention.
Speaker 1: And so it was such a such a strange thing.
Speaker 1: It's like it's almost like you got caught for stealing
Speaker 1: and now you're like in front of the store and
Speaker 1: you know, you have handcuffs on nevers looking at you
Speaker 1: like you still and you're smiling like yeah I did,
Speaker 1: so let me tell you. I was like trying to
Speaker 1: get gummy bear Like that's what it sounded like, like
Speaker 1: this is not really a good thing, why are you
Speaker 1: so happy about it? But the part that was really crazy,
Speaker 1: after all of this is said and done, after you've
Speaker 1: basically trashed your life for this guy, he said, yeah,
Speaker 1: I don't want to talk to you anymore.
Speaker 2: Oh that ending was really heartbreaking. Yeah.
Speaker 1: Yes, when they said that, even yeah your endeavors, I
Speaker 1: was like, and you were told that by a reporter
Speaker 1: who's watching.
Speaker 2: I wasn't. I'm not going to pretend like we were
Speaker 2: great friends.
Speaker 1: You know.
Speaker 2: I had not thought about Christy in a long time,
Speaker 2: but I guess as a as a fellow, he human being,
Speaker 2: my heart does ache for her. I do feel, I mean,
Speaker 2: without just based on this article and having not given
Speaker 2: him very many of my brain cells in the past
Speaker 2: to think about him. I just imagined to be a
Speaker 2: very manipulative person and as a reporter, you I do,
Speaker 2: and especially a reporter who's covering like a personality like this.
Speaker 2: They can make you feel very special if they if
Speaker 2: you get special access to them. So I can really
Speaker 2: see how he might have lured her in with that
Speaker 2: that feeling of you're the only one I'm talking to,
Speaker 2: et cetera. But then to like she froze her eggs
Speaker 2: for him, you know, And and I don't necessarily I
Speaker 2: think I saw I was. I had enough time to
Speaker 2: read a couple of like hot takes on Twitter, and
Speaker 2: someone had had tweeted that. You know, in life, often
Speaker 2: when people are unhappy with their circumstances, they'll they'll sort
Speaker 2: of like trigger their own they'll blow it up themselves.
Speaker 2: And it's sort of like, so I have to imagine
Speaker 2: she must have been really struggling. Maybe she didn't love
Speaker 2: her career, maybe she didn't love you know, her relationship,
Speaker 2: and maybe she was looking for something different, and then
Speaker 2: you know, this opportunity presented itself to her for whatever reason.
Speaker 2: Like I do empathize with her at the same time,
Speaker 2: I think the only she only had something to gain
Speaker 2: from this, which was notoriety and the potential for what
Speaker 2: a book deal that she seems to be really wanting,
Speaker 2: and maybe a movie deal about their love affair, but like,
Speaker 2: who wants to see if we don't need that, Oh
Speaker 2: my god, that's all I can think. Why else would
Speaker 2: she want to go out with this story and do
Speaker 2: it in such a public fashion.
Speaker 1: I know. I was like, what's going on here? It
Speaker 1: was just so surreal, Like could be on Clubhouse and
Speaker 1: I'm like, wait, what so with somebody interviewing her, Like
Speaker 1: so clubhouse is so funny, like you just talk in
Speaker 1: your room.
Speaker 2: People are just talking, like how do you do? You
Speaker 2: have to like be invited to talk or yes, okay, god,
Speaker 2: so you have to so you can raise your hand
Speaker 2: to ask.
Speaker 1: So I just was like, okay, so I just popped in.
Speaker 1: I just basically was listening. So, you know, because usually
Speaker 1: what I do with Clubhouse the first week I'm not
Speaker 1: gonna lie. First, maybe a week or two, I didn't
Speaker 1: really like it. I was like I don't get it,
Speaker 1: and now I get it. So I look for a
Speaker 1: room where I think I can find value. So I'm like, oh,
Speaker 1: this is a you know, about how to market an
Speaker 1: eight figure business or how to promote your children's book.
Speaker 1: I was in a room like that, and I was
Speaker 1: just listening for new ways. So I'll listen and then
Speaker 1: sometimes if I think I can add something, I would
Speaker 1: say maybe a good twenty percent of the time I
Speaker 1: might raise my hand to add something where I'm like,
Speaker 1: oh I can add And then eighty percent, though, I'm
Speaker 1: usually in rooms where I'm just listening and learning, and
Speaker 1: like you take away a little nugget or like a
Speaker 1: website or whatever and it's really good or someone to follow.
Speaker 1: So anyway, so you know that, then there are rooms
Speaker 1: like that where people are just discussing things. So sometimes
Speaker 1: I for me, I like joining sometimes like the fashion
Speaker 1: and merchandising rooms because it's just a different type of
Speaker 1: business and so it helps me expand the way I
Speaker 1: think about business, So I like to listen to those.
Speaker 1: So anyway, Yeah, it was just pretty wild for that
Speaker 1: article to come out and then to go on clubhouse
Speaker 1: and be like, wait, she's here.
Speaker 2: Wait what for any kind of coverage right now?
Speaker 1: That's how I yeah, And that's what someone said to her.
Speaker 1: They were like, girl, yeah, honestly, it was a couple
Speaker 1: of sisters that call her out. They're like, it must
Speaker 1: be nice to lean into your right privilege to be
Speaker 1: able to do this, but girl, the rest of us
Speaker 1: out here working like it's this does not work out
Speaker 1: for people like us, you know. Yeah, and someone people
Speaker 1: were like, it seems like you're delighting in all of this,
Speaker 1: So yeah, I think she is.
Speaker 2: I almost think she's and maybe some part of her
Speaker 2: things too, that that he will come back to her beak.
Speaker 2: And I think she even said that in the article
Speaker 2: that or the writer did that by bringing this relationship public,
Speaker 2: it'll kind of because he doesn't talked to her in
Speaker 2: a year, like a whole year, and she can't call him.
Speaker 2: He can only call her, and he hasn't called her
Speaker 2: in a year.
Speaker 1: And I'm like, it's someone's like, he's not busy, sis,
Speaker 1: he's sending your signals. There's nothing to.
Speaker 2: Do, and Jane let him go, let him go, but
Speaker 2: she does.
Speaker 1: I will say this, like of all the other things
Speaker 1: that seemed kind of like disingenuous when she spoke, one
Speaker 1: thing that did seem genuine was that she does seem
Speaker 1: to genuinely love him, whatever love looks like with her
Speaker 1: mental state.
Speaker 2: You know, Well, there's books that have been written about
Speaker 2: like people who fall in love with people in prison
Speaker 2: who they've never met before, and there's a whole like
Speaker 2: subculture that is a is a movie I would watch,
Speaker 2: like a documentary or something like that about people who
Speaker 2: fall in love with people in prison. So I mean,
Speaker 2: she's not the first person to pine for someone in prison,
Speaker 2: but I mean, they don't even like whatever. I don't know.
Speaker 2: It's interesting, it's very weird to have that, you know,
Speaker 2: worked with her in the past. But I wish her
Speaker 2: well and uh oh god, I'm just sad that she's
Speaker 2: made this farmer bro like a topic again, because I
Speaker 2: know we had just forgotten about him.
Speaker 1: I feel like, hey, and I'm not gonna lie. He
Speaker 1: looks very strange.
Speaker 2: He looks like you think he would look with his personality,
Speaker 2: like he is like very like pasty and you know, dickish. Yeah,
Speaker 2: like a face you could punch, like a punchable face.
Speaker 1: Yes, a face you could punch. Was a person, you'd
Speaker 1: be like, oh, that's what it looks like. A dictionary.
Speaker 2: Yeah, I don't even know where to go from there.
Speaker 2: I'm like calmbing my brain. How do we go now?
Speaker 1: From from now, we'll just going to questions. Let's just see.
Speaker 2: Yeah, it's the end of the year, and it's the
Speaker 2: end of this segment. Let's take a quick break. We'll
Speaker 2: be right back with your questions. All right, we are
Speaker 2: back with your questions.
Speaker 1: Hit us up.
Speaker 2: I know that you know, why don't I hope actually
Speaker 2: that none of y'all are traveling very far or anywhere
Speaker 2: for that matter, for the holidays. But maybe you're sitting
Speaker 2: at home taking a break, trying to get your you know, finances,
Speaker 2: make your big career moves. In twenty twenty one, doing
Speaker 2: your vision boards, Tiffany, didn't you say you just did
Speaker 2: a vision board party over the weekend.
Speaker 1: I did one this weekend for this company. It was
Speaker 1: called It's creative What are they on Instagram? They do
Speaker 1: stuff like all the time. It's like free, and it
Speaker 1: was like so much fun. It was called creative culture
Speaker 1: or something. I feel like a lot of us all
Speaker 1: follow that we know create, create and cultivate.
Speaker 2: Yeah, oh why do I know them? Okay, yeah, I've
Speaker 2: heard of them.
Speaker 1: Yeah, they were. It just was really fun. So we
Speaker 1: just the They had like some weekend kind of like
Speaker 1: future planning party. It was called like the future you
Speaker 1: a digital festival, and so they had a bunch of
Speaker 1: people teaching stuff and I'm not gonna lie, this was
Speaker 1: the most fun I had in so long. So I
Speaker 1: shared like my vision board process and there were like,
Speaker 1: you know, a few hundred women on there, and we
Speaker 1: just talked about how to make their vision board, what
Speaker 1: materials they needed. But then to really how to take
Speaker 1: your vision board off your board and into real life.
Speaker 1: So it was a lot of fun. That's cool.
Speaker 2: I have never done a vision board. Do you think
Speaker 2: I should?
Speaker 1: I mean, it's up to you. I think here's what
Speaker 1: I think. I always think that, however, you vision plan
Speaker 1: should be specifically in alignment with your personality. So if
Speaker 1: I was a photographer, I would vision plan by taking
Speaker 1: pictures or cutting off pictures and putting them up. If
Speaker 1: I was a painter, I would paint what you see,
Speaker 1: what I mean, like, that's where you would be best useful.
Speaker 1: So if you're a writer, you might vision plan by journaling.
Speaker 1: So I just like, I'm very visual, so I like
Speaker 1: to do I use this kind of like some corkboard thing,
Speaker 1: so I could take things off and on. And I
Speaker 1: have the same vision board for the last ten years,
Speaker 1: and I just as things come true, I take the
Speaker 1: thing those things off and then add new things on.
Speaker 1: But I love it just because, like it's not some
Speaker 1: magical thing. But what it does is like it helps
Speaker 1: me remind myself the things that I'm working toward. And
Speaker 1: I'm not gonna lie. I usually i'll do it. I'll
Speaker 1: put it on the wall and I won't even consciously
Speaker 1: look at it. Like I was looking at my vision board.
Speaker 1: I was like, oh, snap, so much of this stuff
Speaker 1: came true. I forgot I put that on there, and like.
Speaker 2: What are some things on there that you look back
Speaker 2: and you're like, dang, I really did manifest that.
Speaker 1: So launching like a successful Happy Birthday Molly Moore in book,
Speaker 1: and I'm like I even had like the old cover
Speaker 1: a picture of it, like this is going to be
Speaker 1: you know, it's going to have a successful a book launch.
Speaker 1: And we made six figures this year of Molly Moore.
Speaker 1: I was like, oh, that's on here. I always have
Speaker 1: some financial goals, so on there. What I do with
Speaker 1: my vision board is I split it in half. I
Speaker 1: put like a masking tape down the middle, and I
Speaker 1: do a professional and a personal half. Professional half. I have, Yeah,
Speaker 1: I have like a dollar bill that I like, I
Speaker 1: like put little stickies on to say fifteen million dollars.
Speaker 1: And the business has crossed over fifteen million dollars this year,
Speaker 1: I mean since the inception. And I was like, oh,
Speaker 1: it happened. And then on the personal side, something that
Speaker 1: did not happen. I've had serena Williams on my personal
Speaker 1: side for the last ten years. We don't hit that yet,
Speaker 1: but that's why wait what part of her married to
Speaker 1: the co founder of redded or the Okay, but yeah, yes,
Speaker 1: I was like, we ain't hit that yet. I was like,
Speaker 1: that's all right, you know, one day, one day we
Speaker 1: gonna have that body and then So I always have
Speaker 1: travel stuff on my personal side. So I have like
Speaker 1: which was crazy because we didn't go nowhere, but I
Speaker 1: had of Charleston I've never been. I have China, have Egypt,
Speaker 1: and so I always on my personal side have some
Speaker 1: travel stuff. I also have like what do I have, Like,
Speaker 1: you know, I have romances on because I'm like I
Speaker 1: want to, you know, still be very much in love
Speaker 1: with my hubby. I have a baby on here and
Speaker 1: so yeah, so that will stay on. So yeah, I
Speaker 1: just I like to I like to address because my
Speaker 1: professional life plays such a major role in my life.
Speaker 1: So I like to have a professional side on the
Speaker 1: personal side. And some of it is just sticky notes
Speaker 1: with things written on it, and some of it is
Speaker 1: like just pictures. Some of it I cut out words.
Speaker 1: So whatever kind of moves you and makes you say, oh,
Speaker 1: you know, but I encourage everyone to make on. I
Speaker 1: make one with my sisters and Supergirl and I usually
Speaker 1: have a vision board party every year, but obviously it's
Speaker 1: not happening, so instead me, Supergirl and my sister will
Speaker 1: just do one together.
Speaker 2: That's really nice, And I think the for me, you
Speaker 2: know you don't, And I think it's great that you
Speaker 2: can say, you know, you don't have to like go
Speaker 2: all out with your vision board. It can be writing
Speaker 2: down or just something super simple, you know, because the
Speaker 2: important thing is that you think about a different vision
Speaker 2: for yourself if you're not happy with what's going on
Speaker 2: in your life now. And it's sort of it's like
Speaker 2: an annual check in where you can say, what do
Speaker 2: I like about where I'm at now and where do
Speaker 2: I want to be? Because I think sometimes when you're
Speaker 2: in a rut, you kind of get in this cycle
Speaker 2: of like, oh this is this is it, Like this
Speaker 2: is how good it can be and I'm just gonna
Speaker 2: be okay with this and you know, deal with something
Speaker 2: that I'm not entirely excited about. And maybe this is
Speaker 2: maybe sitting down to do a vision board can remind you,
Speaker 2: you know, what gets you excited? What what kind of
Speaker 2: gets your heart pumping. What did you want to do
Speaker 2: when you were a kid that you never really got
Speaker 2: around to do? Those types of things? I think I
Speaker 2: do one I'm dead. I would love to see Husby's
Speaker 2: vision board.
Speaker 1: Oh you should. I think it's a good you know,
Speaker 1: because I, like I said, it's just a good activity
Speaker 1: to kind of bring forth your your goals and dreams.
Speaker 1: But the one rule there's usually there's really no rule
Speaker 1: for vision boarding except for this one rule, which is
Speaker 1: you speak about your goals and the positive. So I
Speaker 1: wouldn't say, don't gain any more weight, it would just
Speaker 1: be like to have a fit body like Serena, you know.
Speaker 1: Or I wouldn't say, like stop spending instead I would
Speaker 1: say save more. So that's really the only rule is
Speaker 1: that you speak in the positive. You post in the
Speaker 1: positive on your vision board, because that negative talk actually
Speaker 1: it actually redirects your attention to what you don't have.
Speaker 1: And if you speak negatively, you that's what you see
Speaker 1: and that's what you feel, and that's what you help
Speaker 1: to quite honestly bring more of that into your life.
Speaker 1: I learned that not just some vision boarding, but even
Speaker 1: like in top psychology, like when I first used to
Speaker 1: teach when I first started teaching preschool. Every preschool classroom
Speaker 1: has a set of rules. So we had like three rules.
Speaker 1: It was like mine, we're no hitting, no running, and
Speaker 1: no yelling or something like that. And I remember thinking, oh,
Speaker 1: these are so good, and a teacher they always when
Speaker 1: you're a new teacher, they always match you with a
Speaker 1: what's to call a teacher, A like a like a
Speaker 1: seasoned teacher. And she was like, no, that your rules
Speaker 1: to me are speaking in the negative. She said, when
Speaker 1: you have no hitting kids here hit, no running, they
Speaker 1: hear run, no yelling they hear yell. You have to
Speaker 1: speak in the positive. So instead it was like I
Speaker 1: changed it to walking feet, I changed it to use
Speaker 1: your inside voice, and I changed it to nice hands
Speaker 1: or something like that, like you know, use your your
Speaker 1: your you know, play nice hands, using nice hands or
Speaker 1: something to that effect. Right, So but then I learned
Speaker 1: because she was like, you know that if you you
Speaker 1: want to reinforce the positive, not reinforcing the negatives. And
Speaker 1: so I was just like wow, So that's really the
Speaker 1: only rule for your vision board, just to make sure
Speaker 1: that you're not putting the anti that you're putting the
Speaker 1: thing that you actually want, not the thing that you
Speaker 1: don't want on your vision board or or vision journal
Speaker 1: or vision painting or picture or whatever.
Speaker 2: Well, I loved it. And the reason I brought up
Speaker 2: vision boarding at all because as I was thinking about
Speaker 2: y'all's questions, I was like, send us some questions, like,
Speaker 2: or tell us what your vision board for twenty twenty
Speaker 2: one looks like other than just a big fat dose
Speaker 2: of a vaccine, you know, and a nice cocktail. But
Speaker 2: what do y'all have planned for twenty twenty one? And
Speaker 2: are there any questions you have? And that also leads
Speaker 2: me to the questions that I chose for today's show
Speaker 2: because I feel like they came from two listeners who
Speaker 2: are each weighing some interesting career slash money decisions that
Speaker 2: folks might relate to. So let me pull those up
Speaker 2: for twenty twenty one. I'm going to get a real
Speaker 2: podcast set up so I don't have to jog all
Speaker 2: these pillows. This is embarrassing, Okay. Our first question comes
Speaker 2: from someone who like to remain anonymous, which is fine,
Speaker 2: we will call her Patricia. Patricia says, I am twenty
Speaker 2: five and pretty early on in my career I have
Speaker 2: a secure salary job with almost five thousand dollars in
Speaker 2: my four one K and savings of about five thousand dollars.
Speaker 2: I have fifty thousand dollars in student debt and a
Speaker 2: little bit of credit card debt. I live in with
Speaker 2: my folks now, and I'm not paying rent, saving money.
Speaker 2: So here's my question. I want to quit my job
Speaker 2: because I'm unsatisfied. It does not make me happy. Should
Speaker 2: I wait until, I say, until I can secure something else,
Speaker 2: or put my personal health first and put a two
Speaker 2: week notice in now and hope I find something, or
Speaker 2: hope I find another job asap. I have a degree
Speaker 2: and two years a professional work experience, so I'm semi
Speaker 2: confident I can find something fast. Any feedback is appreciated.
Speaker 1: Can I show you this meme that, like I saw,
Speaker 1: someone said, nobody quits a job like a millennial and
Speaker 1: a toxic environment. It's true, we love ourselves mental health.
Speaker 1: You know what, I don't even like the way you
Speaker 1: guys got the a c up here. I don't even
Speaker 1: I don't know appreciate this. I told you all about
Speaker 1: the AC I'm out. Yeah, it's true. Well, what's her name?
Speaker 1: Does she say her name?
Speaker 2: She wants to be anonymous, we're gonna call her Patricia.
Speaker 1: Patty Patty Patty. So here's the thing. I actually had
Speaker 1: two of my friends who actually did get sick at work,
Speaker 1: meaning like it was like really but it was a
Speaker 1: very toxic, like dangerous kind of like environment with a
Speaker 1: level of toxicity and how are they're being treated and
Speaker 1: so it was affecting them mostly but also mentally and physically.
Speaker 1: I actually had a friend who got Bell's palsy, like
Speaker 1: you know, one side of her face stopped moving because
Speaker 1: of the level of stress. Now, we don't want that
Speaker 1: for you, but I also want that you're not because
Speaker 1: there is I don't really like this job, like you know,
Speaker 1: for example, I'm gonna cashier on McDonald's. Don't really like
Speaker 1: this job. And there's my boss is inappropriate and says
Speaker 1: things to me that makes me feel uncomfortable. The things
Speaker 1: that we're doing are not ethical. So I just want
Speaker 1: to make sure that you should absolutely leave. If it's
Speaker 1: a toxic, unsafe environment, you don't have to wait, thank god,
Speaker 1: you know, you're home with your mom and your dad
Speaker 1: and your parents. But if it's a I don't really
Speaker 1: like it because it doesn't fulfill me. You know, it's
Speaker 1: okay to stay until you have another job, because that's
Speaker 1: going to happen in life. You're twenty five, and I
Speaker 1: get it, But I just want to make sure because
Speaker 1: you don't want to be someone who thinks that challenges
Speaker 1: mean that you you turn around and you leave, you know,
Speaker 1: unless you know what I mean. So I just want
Speaker 1: to make sure that that's what it is. But I
Speaker 1: also want to honor that it might really be toxic,
Speaker 1: and I don't want you to stay somewhere patty where
Speaker 1: it's like a really like not safe space. But if
Speaker 1: it's just because you don't like it, because it's not interesting,
Speaker 1: it's not fun, it's boring. Maybe your boss is not
Speaker 1: the nicest, but they're not like you know, they're not like,
Speaker 1: you know, mistreating you, they're just like you know, they're
Speaker 1: not the nicest. Then those are things that you can
Speaker 1: you can wait like sift through and wait on until
Speaker 1: you find another job. I just don't want you dropping
Speaker 1: from place to place.
Speaker 2: Yeah. I have been that twenty five year old one
Speaker 2: hundred percent, and I think a lot of twenty five
Speaker 2: year olds you're not going to like love your first
Speaker 2: job working out of college or grad school. Sounds like
Speaker 2: you got your job out of grad school. Yeah, I
Speaker 2: mean it's okay to not be satisfied. I think it's
Speaker 2: don't don't. And she doesn't say anything about being in danger,
Speaker 2: like why necessarily she's unsatisfied. She doesn't even use the
Speaker 2: word toxic. So it's simply that you just aren't loving
Speaker 2: what you're doing.
Speaker 1: I might like.
Speaker 2: And Tiffany was talking about flipping things to a positive
Speaker 2: perspective earlier, and I've always approached my career this way.
Speaker 2: Jobs may not be right for you, but there can
Speaker 2: be something that you get out of them, or at
Speaker 2: least the only thing you get out of them is
Speaker 2: you learned what you don't want in another job. Then
Speaker 2: that's also a positive. So try to find the positive
Speaker 2: and try to keep My least favorite thing about someone
Speaker 2: who's unhappy with where they work is that they tend
Speaker 2: to be really hard to work with because they're just
Speaker 2: so miserable and they just kind of drag them around
Speaker 2: down y'all. I'm sorry, my dog is having a conniption upstairs. Anyway,
Speaker 2: I just and you also, you don't necessarily want to
Speaker 2: leave as the employee who seems like super down and
Speaker 2: like always negative and drags their feet virtually. I would say,
Speaker 2: you know, look at where you're at now, what can
Speaker 2: you continue to contribute? What can you possibly get out
Speaker 2: of this experience? And just make peace with the fact
Speaker 2: that you know this is not going to be your
Speaker 2: forever job, and like, okay, it's not going to be
Speaker 2: your forever job. It's very unusual to get your forever job,
Speaker 2: you know, in your mid twenties. So I think if
Speaker 2: you have a positive attitude, you can leave there on
Speaker 2: a good note. And I don't even you know whether
Speaker 2: you're going to switch industries or not. I just think
Speaker 2: it's it's bad form to leave on a bad note,
Speaker 2: you know, with people kind of you know, feeling like
Speaker 2: you had checked out and you were super negative all
Speaker 2: the time. That being said, if you if you truly
Speaker 2: are unhappy there and you and and it's toxic and
Speaker 2: it's putting your mental health at risk, and you have
Speaker 2: a soft place to land, that is a huge blessing.
Speaker 2: You've got somewhere safe, you're taken care of, you're not
Speaker 2: forced to pay these you know, extra bills, so you
Speaker 2: you know, full well you can quit your job and
Speaker 2: you'll be all right, But what if you stuck it
Speaker 2: out is not hurting you, maybe and you want to
Speaker 2: stick it out, continue getting whatever benefits you can identify.
Speaker 2: Maybe it's a four to one k match, or you
Speaker 2: know a colleague that you enjoy working with or whatnot,
Speaker 2: and you can look for jobs on the side. I'll
Speaker 2: say one thing about times, it's a lot easier to
Speaker 2: sneak out for a virtual interview.
Speaker 1: Yeah, ain't that's the truth?
Speaker 2: So easy, true, so easy, not that I know, but
Speaker 2: you know, you you can do that. You can multitask,
Speaker 2: so why not see what else is out there and
Speaker 2: keep your salary in the meantime. So, yeah, that's that's
Speaker 2: what I would say to that.
Speaker 1: Yeah, just knowing the difference between leaving, you know, a
Speaker 1: toxic place and leaving a place that you're just like, eh,
Speaker 1: I'm the fact, you know, I don't love it here.
Speaker 1: That's not the same thing. Yeah, yeah, probably.
Speaker 2: You're not just not going to love your first job
Speaker 2: out of college and like that's okay. I sure didn't
Speaker 2: love my first job, my first two jobs actually, but
Speaker 2: any who, I had one nonethelesson I was grateful. All right,
Speaker 2: let's move on to all second question. This comes from
Speaker 2: listener named Dasha. She's from the atl A. Hope you're voting, okay.
Speaker 2: Dasha says I recently got married in July of twenty
Speaker 2: twenty and relocated to Georgia. I left behind my teaching
Speaker 2: job of ten years, and unfortunately that also meant leaving
Speaker 2: behind my precious sick time I had saved up. Now
Speaker 2: that me and my partner are planning to have a family,
Speaker 2: I want to stay home with the baby as long
Speaker 2: as possible. However, at my new teaching job, they literally
Speaker 2: gave me three days of six time of sick time
Speaker 2: after paying off some debts. I have enough money left
Speaker 2: over from selling my home to stay home with the
Speaker 2: baby for about six months. Should I use that money
Speaker 2: to stay home with the baby or tough it out,
Speaker 2: go back to work after six weeks and invest that
Speaker 2: money in the baby's future, or just save it. I
Speaker 2: truly appreciate your help and I'm blessed to be part
Speaker 2: of the Brown Ambition community. Thanks again in happy holidays. Also, yes, Mandy,
Speaker 2: my paper ballot has been mailed off for the runoff election.
Speaker 1: I'm sorry. I herd was Georgia. Okay, now we can focus.
Speaker 2: Oh I love it man as a mama.
Speaker 1: I'm just like, God, I was going to say, he
Speaker 1: said stay home with the baby.
Speaker 2: I'm kind of like, yeah, I mean that's what my
Speaker 2: heart says. My heart says, Well, she just got a
Speaker 2: new job. How soon are you trying to have this, kiddo,
Speaker 2: Because if you got three days up front, I mean,
Speaker 2: does that mean like it takes long time to cook
Speaker 2: a child inside, you know, in the next nine to
Speaker 2: twelve months, if you get pregnant right away, you know,
Speaker 2: could you appru more sick time in that process?
Speaker 1: And did she say she's a teacher.
Speaker 2: I had new plans she's a teacher, Yes, teaching job
Speaker 2: in Georgia.
Speaker 1: I wonder. I'm just saying, could she time it for
Speaker 1: summer time so she could extend?
Speaker 2: Oh, I don't think it like a summer break.
Speaker 1: Remember you put me on the app ovia. Ov Ia
Speaker 1: is just a free ovulating app. And could you And
Speaker 1: then there's also they also that same company has a
Speaker 1: pregnancy app, so you can kind of like time You're like, huh,
Speaker 1: I could be pregnant, you know, have the baby, like
Speaker 1: right before the summer, have that time off, have the
Speaker 1: summer off, and then still have like my other weeks,
Speaker 1: So maybe that's an option. Yeah, yeah, but I mean
Speaker 1: there are some things everything it's not financial. This is like,
Speaker 1: for example, what I tell my CEO all the time,
Speaker 1: because she's very, very very system focused and organized, right,
Speaker 1: remind her, I said, remember, systems are here to support people,
Speaker 1: not to suppress them, meaning the system is not in charge.
Speaker 1: So for you, like money is here to be of
Speaker 1: service to you, you are not here to serve money
Speaker 1: that if you want, because you've saved up, if you
Speaker 1: that money is yours to do what you think is
Speaker 1: best for your life. It's not like, yes, it's great
Speaker 1: to save and invest in those things, and of course
Speaker 1: you know, you know, me and Manad are all about that.
Speaker 1: But ultimately that money is a tool for you to
Speaker 1: live the life that you want. So if what you
Speaker 1: want is to stay home with the baby, and the
Speaker 1: truth is from like you know what I hear from
Speaker 1: New Moms, you will know how you feel when the
Speaker 1: baby gets here. I don't care what you think, you
Speaker 1: gonna think, You not gonna know until the baby gets right, Mandy.
Speaker 2: Yeah, I mean I would have personally, and I've been
Speaker 2: candid about this maternityly it was not for me it's
Speaker 2: I mean, it was for me because I did need
Speaker 2: to like keep the tiny human alive. But for me personally,
Speaker 2: me Mandy away from mommy me, it was really really
Speaker 2: hard for me not to have something to focus my
Speaker 2: time and energy on. And it didn't have to be
Speaker 2: a job, but it needed to be something creative, something
Speaker 2: that I could go away to do. So if you're
Speaker 2: you know, you think that you're maybe have a similar mindset.
Speaker 2: You may not even want six months alone. I'm saying,
Speaker 2: like three months is nice, three months and that if
Speaker 2: you have the savings for that, and maybe your timeline
Speaker 2: is maybe you're already pregnant. You just didn't say it,
Speaker 2: but maybe your timeline is such that you know you
Speaker 2: want to have a baby really soon and you want
Speaker 2: to take that time off, and you got money in
Speaker 2: the bank to do it.
Speaker 1: You're already.
Speaker 2: She's a teacher, So I'm kind of feeling like, isn't
Speaker 2: that a pretty stable job? Like you can always get
Speaker 2: a teaching job.
Speaker 1: For the most part. I mean, well, you know, things
Speaker 1: are always a little wonky, but teachers it's not like
Speaker 1: an engineer where you have to look and look and
Speaker 1: look and look. Typically. Yeah, but yeah, so yeah, I
Speaker 1: mean I would to mandas point plan for some time,
Speaker 1: but you might not want the full six months, or
Speaker 1: you might want. You know, everyone is different, and just
Speaker 1: from I remember you, Mandy, just from you being like, mmm,
Speaker 1: you didn't really know what you were going to feel
Speaker 1: until the baby got here. So give yourself some flexibility
Speaker 1: to have some time, take more of need be since
Speaker 1: you have the funds, and take less if need be,
Speaker 1: since you you know, you have the job.
Speaker 2: Oh and I didn't even mention this. The thing is
Speaker 2: she's talking about sick time, because that's how my my
Speaker 2: husband's job worked too. He for his parental leave, he
Speaker 2: had to save up all of us six days and
Speaker 2: even then they max it out at six weeks, and
Speaker 2: he saved them up for over ten years. But anyway, so,
Speaker 2: but what you do have is you do have the FMLA,
Speaker 2: the Family and Medical Leave Act, which does grant every
Speaker 2: employee in the US twelve weeks of unpaid leave. But
Speaker 2: it's twelve weeks, so you can legally take twelve weeks
Speaker 2: of unpaid leave from your teaching job and fully expect
Speaker 2: to come back to a job. By law, now you
Speaker 2: would always have to like cover your expenses over that
Speaker 2: twelve weeks. But so it kind of sounds like like,
Speaker 2: what if you do the twelve weeks and you know,
Speaker 2: see how things are and you want to go back,
Speaker 2: then okay, and you can use your savings, Thank goodness,
Speaker 2: you have some to to to spend, you know, to
Speaker 2: help with the expense is on that time off, and
Speaker 2: then you can go back after that. That that is
Speaker 2: also something to consider.
Speaker 1: Yeah, whenever I hear of FMLA, I always think, my life.
Speaker 2: Come on, they didn't come up with that in the
Speaker 2: in the you know, in the beme in the meme generation.
Speaker 1: I've always liked to say, what happen it.
Speaker 2: Might as well be called that because it's like unpaid leave,
Speaker 2: and the US has the least generous federal standard for
Speaker 2: parental leave, the least in the entire world, it feels like,
Speaker 2: at least among developed countries like ours. But what do
Speaker 2: you say to like the entire six months? Because I mean,
Speaker 2: it sounds like she's got this windfall from selling her
Speaker 2: home in New York. Why did I make up that
Speaker 2: she's from New York? I don't know. She moved from
Speaker 2: up north and moved to Georgia, and now she's got
Speaker 2: this cash in the bank. She does say, you know,
Speaker 2: should I invest it for my child's future or save
Speaker 2: it for you know, just plane save it. And if
Speaker 2: it's the only nest egg that y'all have, that's another
Speaker 2: reason I'd be like, like hmm, maybe not below the
Speaker 2: entire thing, yeah, but maybe you take that tiny human
Speaker 2: that you have to like, yeah, like provide for beyond.
Speaker 1: You might be yond those six months.
Speaker 2: You might be skipping back to work if you're like
Speaker 2: me in the middle of a pandemic, Like, what do
Speaker 2: you mean I can't come in, but I've been planning
Speaker 2: for this. Oh my heart goes out to the teachers
Speaker 2: who have kids at home, though I don't know how
Speaker 2: Oh my gosh, yo.
Speaker 1: I used to think to myself it was hard enough
Speaker 1: when the teachers had kids at home and they were
Speaker 1: at school, because I was like, yo, you go home
Speaker 1: to more of this. They're like, girl, So I can't imagine.
Speaker 1: There's no reprieve. It's like, well, dag yeah, Like I
Speaker 1: just I just can't even imagine. Like whenever, like I
Speaker 1: go over to my sister's house and like Roman is
Speaker 1: taking like his homeschool, that's what he calls it. I'm
Speaker 1: doing homeschool there, like one kid like that. My sister
Speaker 1: always has to leave the room not to laugh because
Speaker 1: he'd be like, tcher, my head is right the Roman room. No, no, no,
Speaker 1: Roman does it. He's just be looking like, oh, another
Speaker 1: kid in this yes, but he's always teacher and it's raised.
Speaker 1: My heat is raised, and it's just hilarious. But you
Speaker 1: don't want to laugh because you know clearly their parents
Speaker 1: is in the background, so you don't be giggling at
Speaker 1: somebody else's kid. So we always go in the other
Speaker 1: room and just like bust out into tears. But yeah,
Speaker 1: I just can't imagine that teacher. Teacher is teaching Roman
Speaker 1: and the rest of these five six year olds and
Speaker 1: then has a five six year olds who's also like mommy, mommy, mommy,
Speaker 1: come on.
Speaker 2: Yeah.
Speaker 1: So yeah, So no, I think that's a game plan
Speaker 1: many Mandy. I think that yes, seeing how you feel
Speaker 1: knowing that you have your twelve weeks either way, but
Speaker 1: being mindful that you're likely going to need I mean,
Speaker 1: you have a human to raise, so you're going to
Speaker 1: need that money like you're going to so But at
Speaker 1: the same time, I'm all for using money as a
Speaker 1: tool to live the life that you want. But I
Speaker 1: don't think you have to make that full decision now,
Speaker 1: you know. I think that you dip your baby toe
Speaker 1: in and do more or less depending on how you feel,
Speaker 1: and that you know when the baby gets here.
Speaker 2: Yes, one hundred percent. And I hope that y'all moved
Speaker 2: to Georgia because you got all kinds of really tips.
Speaker 2: You can provide you some free childcare. Yeah, because it's
Speaker 2: so nice. I don't know why I left. It takes
Speaker 2: so little sense why I decided to move away from family.
Speaker 2: But it's not always about me. Thank you Dasha for
Speaker 2: your question, Thank you for voting and the Senate runoff
Speaker 2: in Georgia. Love it all right, guys? That is our
Speaker 2: questions for this week, our final episode of twenty twenty.
Speaker 2: Hit us up though we will be back in twenty
Speaker 2: twenty one, and you can reach us at Bronambition Podcast
Speaker 2: at gmail dot com dot com. You can also slide
Speaker 2: into our dms. We are at Brown Ambition Podcast on Instagram.
Speaker 1: Yes we are. So do you want to do a
Speaker 1: booster break or do you just want to do like
Speaker 1: twenty twenty one?
Speaker 2: Hope for twenty Let's do a boost for twenty twenty,
Speaker 2: like something positive that came out of this year. I
Speaker 2: don't know, and then we can talk about twenty twenty one.
Speaker 2: Lord of Mercy, my twenty twenty boost. I feel like
Speaker 2: I've been talking a lot, so I think you should go.
Speaker 1: What is the twenty twenty boosts? I mean there were
Speaker 1: there were a lot this year. Molly Moore, Yeah, there was, right,
Speaker 1: it was Molly Moore. You know what I had to say.
Speaker 1: If I had one real boost for twenty twenty, it
Speaker 1: was more so me learning to ask for help.
Speaker 2: Hmm.
Speaker 1: Like I got like my executive coach for her like
Speaker 1: I was like drowning in the beginning of the year.
Speaker 1: I got my executive coaching team to execut my team,
Speaker 1: to coach my team. It's been amazing. I got my
Speaker 1: own like, you know, personal kind of like life coach,
Speaker 1: and she's been awesome. We meet tomorrow, hey, Doctor Green
Speaker 1: and season I also, you know, like I it just
Speaker 1: it was just a lot of me asking for help
Speaker 1: and not not waiting. So I have to say that
Speaker 1: if twenty twenty revealed anything, it was I don't have
Speaker 1: to do all the things myself that I can ask
Speaker 1: for help. It's not that I thought it was a
Speaker 1: sign of weakness. I'm always someone who doesn't want to
Speaker 1: quote unquote bother somebody, and I just feel like I
Speaker 1: ought to know so I'll figure it out. So, you know,
Speaker 1: I just to me, that's yeah, that's my biggest win.
Speaker 1: It was just like learning that I don't well, figuring
Speaker 1: it out sometimes is asking just for help. Yeah.
Speaker 2: So I love that, And I think you're so set
Speaker 2: up for twenty twenty one success even more because of
Speaker 2: the work you put in this year with the executive
Speaker 2: coach and now you got your got your life coach
Speaker 2: on deck. I love that, especially because I've been like
Speaker 2: low key battering you to get it there.
Speaker 1: I think, I know.
Speaker 2: So yeah for me my boosts for twenty When I
Speaker 2: think about this year, I know, God, I know that
Speaker 2: there's so there was so much darkness, so much death.
Speaker 2: This summer especially was so hard. I mean I was
Speaker 2: kind of scrolling through my Instagram, which is like my
Speaker 2: time capsule. It feels like where was I at in July,
Speaker 2: you know, when all those protests were happening, and I
Speaker 2: part of me is just the blessing is to have
Speaker 2: survived it. The boost is to have survived it. And
Speaker 2: to be able to go forward reawakened in so many ways.
Speaker 2: And because I mean, I've always listen, I'm I'm a
Speaker 2: woman in this world. I've been aware of things for
Speaker 2: a long time, the way that we move through the
Speaker 2: world and the challenges we have. But what I'll say
Speaker 2: is I feel super empowered this year, having seen what
Speaker 2: our voices can do collectively when we get out there
Speaker 2: and demand change, and I am excited to take that
Speaker 2: forward into twenty twenty one with me.
Speaker 1: And yeah, I just feel.
Speaker 2: Grateful to have survived it all.
Speaker 1: I feel.
Speaker 2: Heartbroken for people who have lost loved ones, and hundreds
Speaker 2: of thousands of people have died. Thousands of people die
Speaker 2: every day they still are. That to me is embarrassing
Speaker 2: and shocking and just tragic. But for some reason, we
Speaker 2: survive this year, and I got to believe that there
Speaker 2: is a plan. And I'm so grateful for the time
Speaker 2: I've had with my son. I'm so grateful for this podcast, Tiffany.
Speaker 2: It's such a brounding force in my life, truly, this
Speaker 2: podcast and talking to you every week. So I'm grateful
Speaker 2: to you for still doing this with me five years.
Speaker 2: Then we celebrated our five year anniversary this year, that's
Speaker 2: Craig Cray.
Speaker 1: Yes, I know it is Craig Gray.
Speaker 2: All right, I'm done getting all emotional now. But twenty
Speaker 2: twenty one So okay, so now we've kind of covered
Speaker 2: what was good about twenty twenty, But what about the
Speaker 2: new year?
Speaker 1: Well, what I see for the new year for twenty
Speaker 1: twenty one, hopefully I have be preggers. I got some
Speaker 1: good news from the doctor. Remember I think I talked
Speaker 1: about it like a few I'm not preggers yet, but
Speaker 1: I think I remember I told you I had to
Speaker 1: do like a mock kind of like yeah, trial whatever,
Speaker 1: and they had to see like, oh you know what
Speaker 1: day am I most like. It's so the way it
Speaker 1: works is that with IVF, you go through a cycle.
Speaker 1: That's just when they give you all this medicine to
Speaker 1: get your insides, you're ready to receive a baby if
Speaker 1: you already have like an embryo, which is just you know,
Speaker 1: your your egg mixed with you know, your partner sperm,
Speaker 1: and they started to grow like basically a baby outside
Speaker 1: of you. And so they just want to because I
Speaker 1: have just one healthy embryo left, and they're like, oo's
Speaker 1: game time. So they wanted to do like a mock
Speaker 1: cycle to see, Okay, Tiffany, what day, day seven or
Speaker 1: day eight are you most like, you know, receptive? And
Speaker 1: it didn't even strike me, is that you because some
Speaker 1: people actually they'll test you and you your uterus is like, girl,
Speaker 1: it's not it's not healthy in here, you know. So anyway,
Speaker 1: the doctor called me today was like, yeah, you're totally receptive.
Speaker 1: Both days were great. I was like, oh, yeah, so
Speaker 1: that's good. So that just means basically it's up to me.
Speaker 1: Now I just have to the next time my mensis
Speaker 1: as as old African woman will say, y'all medicine, that's
Speaker 1: just your.
Speaker 2: Your moon good. I watched a lot of Game of Thrones. God,
Speaker 2: so the next time Christmas Star, I think y'all should
Speaker 2: do it at midnight.
Speaker 1: I could just basically, you know, we could. I could
Speaker 1: just let them know we could start a cycle. So yeah,
Speaker 1: so I think hopefully for twenty twenty one, they'll be
Speaker 1: baby super baby cooking prayerfully for real, like if you
Speaker 1: whatever it is that you believe, and if you just
Speaker 1: send either good energy, good raised prayer, accepting all good energy.
Speaker 1: And I don't know if there's a lot of stuff.
Speaker 1: You know, my book comes out next year, we'll talk
Speaker 1: about it more next year. Potential TV show, we'll see.
Speaker 1: There's been a lot of a lot of production companies
Speaker 1: have reached out, but there's one in particular that I'm
Speaker 1: interested in. But we've still been we've been doing a
Speaker 1: lot of negotiating. Yeah, and just growth, like I want
Speaker 1: to like, you know, I want to grow in Tiffany,
Speaker 1: not just as the Budgetisa And that's I'm doing a
Speaker 1: lot of pulling away from other parts of my business
Speaker 1: so to have space to grow as Tiffany. So I
Speaker 1: love it.
Speaker 2: Where's the first place you're going to travel in the
Speaker 2: new year?
Speaker 1: I know, I don't like when we can finally travel.
Speaker 2: Yeah, like next summers. I don't know. It's hard to
Speaker 2: be I.
Speaker 1: Would say domestically, I kind of want to go to Charleston.
Speaker 1: I just had it so beautiful.
Speaker 2: Yeah, Charleston.
Speaker 1: I love that.
Speaker 2: I've been thinking I'm definitely going to just go to Atlanta,
Speaker 2: just go see my family, all the family that I've
Speaker 2: connected with in these virtual times. Twenty twenty one for
Speaker 2: me looks like a career inflection point. Definitely asking for more,
Speaker 2: and I've already started those conversations this year, but I'm
Speaker 2: you know, I talk to you Tiffany about it too,
Speaker 2: and just expecting bigger and better from myself, and and
Speaker 2: just looking for a new a new challenge and a
Speaker 2: new chapter and and new challenges, whether it's you know,
Speaker 2: where I'm at now or I just feel open to
Speaker 2: do stuff. And as far as the baby twenty twenty one,
Speaker 2: I'm excited for him. I'm excited for Rio to like
Speaker 2: be in the in the in a normal world, you know,
Speaker 2: I'm excited to see I'm excited slash scared. I'm gonna
Speaker 2: choose to stay excited because I otherwise I think I'll
Speaker 2: just be sad about him going to daycare. And just
Speaker 2: you know, I just keep picturing with like a little
Speaker 2: baseball cap and a base in a backpack. I don't
Speaker 2: even think babies need that.
Speaker 1: Yeah, they love their little back that nothing in it
Speaker 1: but some papers.
Speaker 2: Maybe I'll throw, like, you know, some of Molly's chew
Speaker 2: toys in there. He loves those.
Speaker 1: But just you know, having him make friends.
Speaker 2: I'm just very excited to see him. I don't know,
Speaker 2: I'm just excited to see him, you know, grow up
Speaker 2: and and uh, you know, just make his own little
Speaker 2: make his own little trajectory for himself. So twenty twenty one,
Speaker 2: here we go. Thank y'all for riding with us this year,
Speaker 2: really truly y'all. Haven and we have new listeners this
Speaker 2: year on top of everything. So thank y'all for your
Speaker 2: continued love and support. It means so so much to us.
Speaker 2: Don't forget to use promo code ho ho ho at
Speaker 2: Brown Ambition.
Speaker 3: Store bag Holli's bag. Yeah, we're going to get to
Speaker 3: Halvey's flag manager Brown Ambitionstore dot com. Thank you for
Speaker 3: asking use the promo code ho ho ho.
Speaker 2: What is it? Twenty five percent off I think, So
Speaker 2: get yourself decked out and just hang in there, y'all.
Speaker 2: It's going to be a dark winter, but we will
Speaker 2: get through it. We will and hit us up. Send
Speaker 2: us your questions, Tiffany, I hope you get some rest,
Speaker 2: we relaxation.
Speaker 1: Yes, and you know what, before we go, I would
Speaker 1: love to give for you guys to give me some
Speaker 1: like message, just like especially like maybe I don't know,
Speaker 1: like write on a post on Instagram or that's probably
Speaker 1: the best, or even tweet me I'm the budgetisted on
Speaker 1: Instagram and Twitter. A friend of mine. I asked her
Speaker 1: for some advice because she had helped to launch Tony
Speaker 1: Robbins's book Money, and I asked her for some advice
Speaker 1: about how, you know, like some best practices about launching mine.
Speaker 1: And she had asked me all these questions. I already
Speaker 1: have a team, we've been working there for like two months,
Speaker 1: and this and that. She's like, I'm not going to
Speaker 1: give you any advice. I was like, what, why, Sybil.
Speaker 1: She was like, you don't. The book is going to
Speaker 1: do what the book is going to do, Tiffany, you
Speaker 1: are already doing all of the work. Instead, I want
Speaker 1: you to tell me how will you celebrate when it's successful.
Speaker 1: I was like, what she said, because I know you
Speaker 1: have no plans for celebration. She was like you, She said,
Speaker 1: I want you to do something slightly tacky. I was like, no.
Speaker 1: She said slightly tacky, meaning like I want you. She said,
Speaker 1: do something, Tiffany, I don't want to like, oh we
Speaker 1: went to dinner. Now. She said, I want something a
Speaker 1: little ostentatious, a little tacky. Tiffany, you don't never do
Speaker 1: anything big for yourself. So I would love if if
Speaker 1: money was not, you know, was not an issue. You know,
Speaker 1: what would you do in celebration of a big milestone,
Speaker 1: like your first traditionally published book doing really well? Like,
Speaker 1: what would you do? Like I said, money is not
Speaker 1: an object, you know, like it's not an issue at all.
Speaker 1: But you know, because she was like, girl, I want
Speaker 1: you to run a private jet and go to Fiji.
Speaker 1: I was like what she was like, price it out.
Speaker 1: It might not be as much as you think. So
Speaker 1: that's the kind of thing. So I would love for
Speaker 1: you guys to be like girl. If it was me,
Speaker 1: I would, you know, because I just like, because even
Speaker 1: if I don't do it, you know, for this, because
Speaker 1: I'm like simple girl, but I wanted to start thinking
Speaker 1: outside the box box of ways to like celebrate and
Speaker 1: mark a moment in time, you know, So yeah, just
Speaker 1: please at the budgetis to tweet me, you know, message
Speaker 1: me or post under my ig. I mean, I look
Speaker 1: at those every day and give me an idea because
Speaker 1: I would love, you know, I'd love to think about
Speaker 1: it and then i'll, you know, hopefully ill I'll pick
Speaker 1: one and celebrate big for next year.
Speaker 2: Yes, put it on your vision board. Let's fill up
Speaker 2: to me a vision board.
Speaker 1: Yes.
Speaker 2: By Charleston by the little damn city.
Speaker 1: Well, she said, I'm not gonna lie. A private jet
Speaker 1: is something like to like actually one day, Like I
Speaker 1: just always assume maybe one day somebody would hire me
Speaker 1: and then send a private jet for me. But that
Speaker 1: was like, all, like that's on like my bucket lists,
Speaker 1: you know, like of like, oh, to fly in a
Speaker 1: private jet.
Speaker 2: You'll be there please. I'm like, you know, I fully
Speaker 2: expect your book to be on like Oprah's favorite Things
Speaker 2: list for next year. You and Oprah. There's some energy
Speaker 2: in the like you and Oprah. She knows about you, Tiffany.
Speaker 2: I just feel it in my bones. And she's waiting.
Speaker 2: She's waiting to tap you on your virtual shoulder.
Speaker 1: If anybody knows Oprah tell I said.
Speaker 2: Hush, she knows who you are, Like she knows. She's
Speaker 2: out there, she's watching. She is, all right, Well, we're
Speaker 2: so excited to see y'all next year. Well, we'll hit
Speaker 2: you up, you know, let you know we're gonna be
Speaker 2: back maybe a couple of weeks, see how we feel.
Speaker 2: Happy New Year to you, Kelly. Thank you for being
Speaker 2: our badass editor.
Speaker 1: All yes, thank you so much.
Speaker 2: Yes, you really saved my booty so we're thankful for
Speaker 2: you too, and wish you guys all uh blessed and
Speaker 2: safe holiday and see you in a new year, see
Speaker 2: you next year. Bye,