1 00:00:06,160 --> 00:00:08,160 Speaker 1: Hey everyone, I'm Mandy. 2 00:00:08,000 --> 00:00:11,639 Speaker 2: Hey, Hey hey, It's Tiphany and this is Brown Ambition. 3 00:00:14,280 --> 00:00:17,040 Speaker 3: I've been a reporter in New York City for five years. 4 00:00:17,120 --> 00:00:19,720 Speaker 3: Right now, I'm a writer at Yahoo Finance. I write 5 00:00:19,720 --> 00:00:22,959 Speaker 3: about money, business, career, basically anything to do with the 6 00:00:22,960 --> 00:00:23,480 Speaker 3: world and. 7 00:00:23,400 --> 00:00:24,560 Speaker 1: How it impacts your wallet. 8 00:00:24,840 --> 00:00:27,440 Speaker 4: And I am Tiffany but much better known as the 9 00:00:27,480 --> 00:00:32,159 Speaker 4: Budget Lista and I'm a financial educator, best selling author, speaker, teacher, 10 00:00:32,400 --> 00:00:36,320 Speaker 4: all things personal finance. Basically, on this podcast, we're going 11 00:00:36,360 --> 00:00:39,960 Speaker 4: to be talking about career, relationships, life and living in 12 00:00:40,000 --> 00:00:40,920 Speaker 4: this brown skin. 13 00:00:41,240 --> 00:00:43,800 Speaker 3: We work, we start businesses, we help one another. We 14 00:00:43,840 --> 00:00:46,560 Speaker 3: do everything we can to make a better life for ourselves. 15 00:00:46,600 --> 00:00:49,400 Speaker 3: And that's what Brown Ambition is all about. So here 16 00:00:49,400 --> 00:00:51,720 Speaker 3: are some topics you might hear us talk about on 17 00:00:51,760 --> 00:00:52,360 Speaker 3: the podcast. 18 00:00:52,880 --> 00:00:56,760 Speaker 2: How to deal with office bullies and microaggressions. 19 00:00:56,240 --> 00:00:59,360 Speaker 1: Coping with being the only one in the office. 20 00:00:59,040 --> 00:01:02,200 Speaker 4: Yes, how to get money for a new business even 21 00:01:02,240 --> 00:01:05,319 Speaker 4: when you have no idea what you're doing. Should you 22 00:01:05,400 --> 00:01:10,160 Speaker 4: care if people think you have resting bitch base guilty? 23 00:01:11,040 --> 00:01:13,320 Speaker 1: What to do when by earns less. 24 00:01:13,080 --> 00:01:14,680 Speaker 2: Than you guilty guilty? 25 00:01:15,760 --> 00:01:18,320 Speaker 4: Whether or not we should use the word bay in 26 00:01:18,440 --> 00:01:19,480 Speaker 4: everyday conversation. 27 00:01:19,760 --> 00:01:22,440 Speaker 1: I have a lot of thoughts about this. Well, thank 28 00:01:22,440 --> 00:01:23,759 Speaker 1: you so much for joining us. 29 00:01:23,800 --> 00:01:26,360 Speaker 3: Guys. We're going to start off the podcast by talking 30 00:01:26,360 --> 00:01:30,280 Speaker 3: about some buzzworthy headlines that are cropping up in our lives, 31 00:01:30,319 --> 00:01:31,640 Speaker 3: and we want to talk. 32 00:01:31,480 --> 00:01:45,160 Speaker 2: More about. 33 00:01:40,280 --> 00:01:41,560 Speaker 1: This week's buzzworthy. 34 00:01:41,800 --> 00:01:43,679 Speaker 2: Yes, I'm excited about this one. 35 00:01:43,880 --> 00:01:46,440 Speaker 3: I think, I know I'm excited to have a lot 36 00:01:46,440 --> 00:01:49,200 Speaker 3: of opinions about this, and so does the rest of America. Yes, 37 00:01:49,760 --> 00:01:53,920 Speaker 3: so many opinions on how a young woman today decides 38 00:01:53,960 --> 00:01:57,960 Speaker 3: the right time to step into motherhood. Yes, baby limbo, 39 00:01:58,480 --> 00:02:01,640 Speaker 3: baby limbo this you know, I kind of came up 40 00:02:01,640 --> 00:02:04,280 Speaker 3: with this terminology for a story I did on young 41 00:02:04,280 --> 00:02:08,359 Speaker 3: people millennials eighteen up to their mid thirties who are 42 00:02:08,400 --> 00:02:09,680 Speaker 3: stuck between. 43 00:02:09,800 --> 00:02:13,040 Speaker 1: Do I have this college debt or do. 44 00:02:12,760 --> 00:02:14,720 Speaker 3: You know, pay that off and focus on my career 45 00:02:14,880 --> 00:02:17,360 Speaker 3: or do I also have a baby or you know, 46 00:02:17,440 --> 00:02:21,400 Speaker 3: what should come first? And honestly, it's such a difficult 47 00:02:21,560 --> 00:02:24,160 Speaker 3: question because mother nature doesn't wait for you to pay 48 00:02:24,200 --> 00:02:26,440 Speaker 3: off your student loved debt, and I think that women 49 00:02:26,680 --> 00:02:29,080 Speaker 3: have to recognize that fact. And it's maybe not so 50 00:02:29,200 --> 00:02:31,519 Speaker 3: comfortable because you know, obviously, we want to talk about 51 00:02:31,560 --> 00:02:34,720 Speaker 3: how much control we should have over our own bodies, 52 00:02:34,760 --> 00:02:36,920 Speaker 3: which is absolutely true. You should, you know, be your 53 00:02:36,960 --> 00:02:38,680 Speaker 3: own body's boss. But at the end of the day, 54 00:02:39,080 --> 00:02:40,639 Speaker 3: like that clock is ticking. 55 00:02:40,400 --> 00:02:41,040 Speaker 2: Yeah, it's true. 56 00:02:41,040 --> 00:02:44,160 Speaker 4: So I'm thirty five and I turned thirty six in October, 57 00:02:44,639 --> 00:02:47,280 Speaker 4: which is not far away, and I mean, I've been 58 00:02:47,320 --> 00:02:49,560 Speaker 4: thinking about it a lot because I am in a 59 00:02:49,600 --> 00:02:52,520 Speaker 4: serious relationship, me and my boyfriend Superman. 60 00:02:52,840 --> 00:02:54,840 Speaker 2: He already has a daughter. She's eight. She's great. 61 00:02:55,000 --> 00:02:57,640 Speaker 1: Day a man with a daughter. That's some grown up dating. 62 00:02:57,480 --> 00:03:00,280 Speaker 4: Yes, but I love it honestly, because one, I'm at 63 00:03:00,320 --> 00:03:02,919 Speaker 4: an age now and because I work for myself, I 64 00:03:03,000 --> 00:03:06,119 Speaker 4: realize I don't necessarily want a huge family. I came 65 00:03:06,160 --> 00:03:07,920 Speaker 4: from a family there was five girls. My mom and 66 00:03:07,960 --> 00:03:10,160 Speaker 4: dad raised all five of us, and I don't know 67 00:03:10,200 --> 00:03:12,000 Speaker 4: that I want a big family, but I at least 68 00:03:12,000 --> 00:03:14,440 Speaker 4: think I'm pretty sure I want at least one kid 69 00:03:14,480 --> 00:03:16,160 Speaker 4: of my own. I mean, according to my mom, I 70 00:03:16,200 --> 00:03:19,000 Speaker 4: really need to get on it. And I kind of 71 00:03:19,000 --> 00:03:21,320 Speaker 4: feel like that too. My best friend just had a baby, 72 00:03:21,320 --> 00:03:23,400 Speaker 4: and my sister just had a baby, and so their 73 00:03:23,440 --> 00:03:27,120 Speaker 4: babies are all under a year old, and so I've 74 00:03:27,160 --> 00:03:31,959 Speaker 4: been like, yeah, a little bit, but sometimes you're over 75 00:03:32,280 --> 00:03:34,760 Speaker 4: more so that I'm like, oh, I'm gonna be thirty six, 76 00:03:34,800 --> 00:03:36,520 Speaker 4: so when are you gonna make a choice. A friend 77 00:03:36,560 --> 00:03:38,960 Speaker 4: of mine had she made her choice at thirty six 78 00:03:39,000 --> 00:03:41,160 Speaker 4: and had her baby at thirty seven, and she said, 79 00:03:41,160 --> 00:03:42,800 Speaker 4: I wish I would have started sooner. 80 00:03:43,200 --> 00:03:46,600 Speaker 1: That's what I hear. I'm afraid, yeah, sooner would be. 81 00:03:46,640 --> 00:03:48,520 Speaker 3: I'm twenty eight right now, and I feel like, am 82 00:03:48,520 --> 00:03:50,760 Speaker 3: I going to regret not having a baby now? 83 00:03:50,960 --> 00:03:52,920 Speaker 1: I don't know, but it seems like I just don't 84 00:03:52,920 --> 00:03:53,680 Speaker 1: want to do it. 85 00:03:53,840 --> 00:03:55,440 Speaker 4: The her reason for saying she wished she would have 86 00:03:55,480 --> 00:03:57,760 Speaker 4: started sooner is that she wished She really wants to 87 00:03:57,760 --> 00:04:00,440 Speaker 4: have a second, and she doesn't know if she can't. Yeah, 88 00:04:00,440 --> 00:04:02,520 Speaker 4: she can, So that's why I don't know that I 89 00:04:02,600 --> 00:04:04,200 Speaker 4: want to have a second. I mean, I would want 90 00:04:04,240 --> 00:04:06,200 Speaker 4: to have two kids, but between his one and my one, 91 00:04:06,200 --> 00:04:07,920 Speaker 4: I'm like, well then it goes one plus one mixed 92 00:04:07,920 --> 00:04:11,840 Speaker 4: two for three. Yes, she's the bonus kid and so 93 00:04:12,160 --> 00:04:15,280 Speaker 4: and plus I do so much work and I really 94 00:04:15,400 --> 00:04:17,440 Speaker 4: want to and I know this might sound a little selfish, 95 00:04:17,440 --> 00:04:20,880 Speaker 4: but I want to maintain my individual personality and maintaince 96 00:04:21,000 --> 00:04:22,960 Speaker 4: is okay, you know, as long as you know. I mean, 97 00:04:23,000 --> 00:04:25,159 Speaker 4: I think selfish would be more so having ten kids 98 00:04:25,200 --> 00:04:28,320 Speaker 4: and still wanting to fly around the country and speak 99 00:04:28,360 --> 00:04:30,680 Speaker 4: and teach, and you don't have enough time for your children. 100 00:04:30,800 --> 00:04:33,400 Speaker 4: So I don't want to spread myself super thin, right 101 00:04:33,480 --> 00:04:33,920 Speaker 4: m hm. 102 00:04:34,200 --> 00:04:36,039 Speaker 1: Well, hopefully you just have one kid to start. 103 00:04:36,200 --> 00:04:38,039 Speaker 2: I know, Well, my boyfriend's are twins, so he is, 104 00:04:38,720 --> 00:04:44,120 Speaker 2: oh g I'm like, yo, he told me. I already 105 00:04:44,240 --> 00:04:45,240 Speaker 2: likes so I'm aiming for this. 106 00:04:45,600 --> 00:04:47,800 Speaker 3: Does that gene come from the mail line or that 107 00:04:47,839 --> 00:04:50,240 Speaker 3: I don't which is more likely to go somebody? 108 00:04:50,360 --> 00:04:55,760 Speaker 4: Somebody email us at Brown Ambition Podcasts, yes and tell 109 00:04:55,839 --> 00:04:58,880 Speaker 4: us how exactly are twins formulated? Does that come from 110 00:04:58,920 --> 00:04:59,960 Speaker 4: the male line the female line? 111 00:05:00,160 --> 00:05:02,080 Speaker 1: Is that? Yeah? 112 00:05:02,200 --> 00:05:03,839 Speaker 2: Is it hereditary or is that like some sort of 113 00:05:03,920 --> 00:05:04,520 Speaker 2: random I. 114 00:05:04,440 --> 00:05:07,280 Speaker 1: Do think it skips a generation. So you might be good. Okay, 115 00:05:07,520 --> 00:05:09,160 Speaker 1: maybe you're If you have a daughter, then she's got 116 00:05:09,240 --> 00:05:09,559 Speaker 1: to worry. 117 00:05:09,600 --> 00:05:11,560 Speaker 4: But you're good, So so you say, And so I 118 00:05:11,560 --> 00:05:13,480 Speaker 4: come back to the next podcast and I'm like, so, y'all, 119 00:05:13,480 --> 00:05:14,560 Speaker 4: I'm having twins. 120 00:05:14,600 --> 00:05:18,680 Speaker 3: Thanks Manny, I can talk well, you know, I'm twenty 121 00:05:18,760 --> 00:05:23,239 Speaker 3: eight and I don't necessarily feel pressure to have a baby. Okay, 122 00:05:23,640 --> 00:05:27,520 Speaker 3: but I feel I guess that's not true. I don't 123 00:05:27,520 --> 00:05:30,600 Speaker 3: feel pressure for myself, Okay, I don't. I look at 124 00:05:30,640 --> 00:05:33,159 Speaker 3: puppies and I feel my my ovaries twins, like I 125 00:05:33,200 --> 00:05:35,440 Speaker 3: really want a puppy very badly. Babies not so much, 126 00:05:35,480 --> 00:05:38,400 Speaker 3: but they're cute. What I do feel is intense pressure 127 00:05:38,440 --> 00:05:42,000 Speaker 3: from you know, I'm dating. I've been dating my partner 128 00:05:42,080 --> 00:05:45,880 Speaker 3: boyfriend for through over three years now, which is my 129 00:05:45,960 --> 00:05:49,479 Speaker 3: longest relationship, and you know, we live together and we're 130 00:05:49,680 --> 00:05:52,080 Speaker 3: kind of we're kind of playing it as we you 131 00:05:52,080 --> 00:05:56,080 Speaker 3: know by ear. His family, however, is not waiting, especially 132 00:05:56,080 --> 00:05:59,920 Speaker 3: his mother. He comes from a very traditional, close knit 133 00:06:00,200 --> 00:06:03,359 Speaker 3: community and family. I guess it's not giving away too 134 00:06:03,440 --> 00:06:05,680 Speaker 3: much if I say. He's Dominican, so I'm in a 135 00:06:05,720 --> 00:06:10,440 Speaker 3: mixed race relationship. And his mother is very Catholic and 136 00:06:10,560 --> 00:06:13,440 Speaker 3: very old school, and she is like the mother of mothers. 137 00:06:13,640 --> 00:06:16,400 Speaker 3: She lives to nurture her son's two sons. They are 138 00:06:16,440 --> 00:06:21,880 Speaker 3: schooled rotten. But you know, I feel her looking at 139 00:06:21,920 --> 00:06:23,960 Speaker 3: me and wondering. Not just feel, but I hear it 140 00:06:23,960 --> 00:06:28,360 Speaker 3: because she tells me, Mandy, Amanda, why why no baby yet? 141 00:06:28,600 --> 00:06:31,320 Speaker 1: Why? Her English isn't very good? But she can. 142 00:06:31,440 --> 00:06:33,400 Speaker 2: She gets her point. 143 00:06:33,400 --> 00:06:36,640 Speaker 1: Where's the baby yet? Where it's been three years? 144 00:06:37,320 --> 00:06:39,480 Speaker 3: I asked her, you know, uh, don't she want us 145 00:06:39,480 --> 00:06:41,880 Speaker 3: to get married first and get married and do all 146 00:06:41,880 --> 00:06:44,039 Speaker 3: that and you know, the right order of events. 147 00:06:44,279 --> 00:06:46,360 Speaker 1: And she's like, no, just have a baby. Wow? 148 00:06:46,640 --> 00:06:47,880 Speaker 2: Would this be her first grandchild? 149 00:06:47,960 --> 00:06:50,080 Speaker 1: This will be her first grandchild? There's so much pressure. 150 00:06:50,120 --> 00:06:52,279 Speaker 4: I know, what how about you come from a family 151 00:06:52,320 --> 00:06:54,320 Speaker 4: of five girls and no one has kids. My mother 152 00:06:54,560 --> 00:06:57,040 Speaker 4: every day on the phone, so my my Nigerian name 153 00:06:57,080 --> 00:06:58,719 Speaker 4: is Adochia and my mother would call me and say 154 00:06:58,720 --> 00:07:03,480 Speaker 4: it's so she's still not mad. It still no baby, 155 00:07:04,200 --> 00:07:07,040 Speaker 4: And I'm like, good old no second oldest. 156 00:07:07,600 --> 00:07:08,839 Speaker 2: So they're just like so somebody. 157 00:07:08,960 --> 00:07:11,960 Speaker 4: The oldest is married and she's working on it, and 158 00:07:12,280 --> 00:07:14,560 Speaker 4: I'm the second. The third is not married, the fourth 159 00:07:14,680 --> 00:07:16,840 Speaker 4: is married and she just had a baby. So we're 160 00:07:16,880 --> 00:07:21,280 Speaker 4: like whoo. And but just watching her. She's literally like 161 00:07:21,360 --> 00:07:24,840 Speaker 4: the milk machine. So she's only allowed to take ten 162 00:07:24,920 --> 00:07:27,600 Speaker 4: paces away from the baby before the milk machine has 163 00:07:27,640 --> 00:07:29,200 Speaker 4: to return and dispense milk. 164 00:07:29,560 --> 00:07:32,480 Speaker 3: You mean, it's not glamorous and she's not like Blake 165 00:07:32,520 --> 00:07:36,160 Speaker 3: Lively taking selfies of herself, you know, breastfeeding and a 166 00:07:36,200 --> 00:07:37,640 Speaker 3: field of sunflowers. 167 00:07:37,680 --> 00:07:41,000 Speaker 4: That is a straight beacuse. Honestly, She's like, I'm so tired. 168 00:07:41,040 --> 00:07:44,480 Speaker 4: Her feet are swollen, and she's just like, how can 169 00:07:44,520 --> 00:07:45,880 Speaker 4: I My mom is like, my mom is a nurse 170 00:07:45,920 --> 00:07:47,320 Speaker 4: and her my mom was telling her you need to 171 00:07:47,360 --> 00:07:47,920 Speaker 4: put your feet up. 172 00:07:47,960 --> 00:07:49,960 Speaker 2: She's like, oh, when when I'm being the milk machine. 173 00:07:50,000 --> 00:07:52,840 Speaker 3: I work for a company, and obviously Y'allhoo has very 174 00:07:53,040 --> 00:07:58,360 Speaker 3: generous maternity and paternity benefit programs, which isn't the norm nationwide. 175 00:07:58,360 --> 00:08:01,840 Speaker 3: It's actually America's one of the only developing nations that 176 00:08:02,000 --> 00:08:06,600 Speaker 3: doesn't have a federally mandated paid maternity or paternity lead law. 177 00:08:07,120 --> 00:08:08,800 Speaker 3: But I'm lucky enough to work for Yahoo and we 178 00:08:08,840 --> 00:08:12,320 Speaker 3: have sixteen weeks off. That's awesome, and dads get eight 179 00:08:12,360 --> 00:08:14,680 Speaker 3: weeks off, and at least I know I have that yeah, 180 00:08:14,680 --> 00:08:16,360 Speaker 3: sort of if I'm still working, you're gonna have a baby, 181 00:08:16,560 --> 00:08:18,880 Speaker 3: have that kind of cushion. But can you talk about like, 182 00:08:18,920 --> 00:08:22,080 Speaker 3: I'm curious as an entrepreneur's self, you know, you own 183 00:08:22,120 --> 00:08:24,480 Speaker 3: your own business, how are you going to plan your leave? 184 00:08:24,840 --> 00:08:27,920 Speaker 4: So I've been like, honestly like kind of like planning 185 00:08:28,040 --> 00:08:30,320 Speaker 4: now because I'm going to be thirty six, like I said, 186 00:08:30,360 --> 00:08:32,440 Speaker 4: and I mentioned, and my boyfriend and I have been 187 00:08:32,440 --> 00:08:35,040 Speaker 4: talking about marriage and kids. So right now, the way 188 00:08:35,080 --> 00:08:37,320 Speaker 4: my business is is that I start off at zero 189 00:08:37,440 --> 00:08:40,080 Speaker 4: basically like every month, meaning like my income, I never 190 00:08:40,160 --> 00:08:42,320 Speaker 4: know what's going to come in. People would just email 191 00:08:42,400 --> 00:08:44,360 Speaker 4: me and call me and say we want you to 192 00:08:44,400 --> 00:08:46,160 Speaker 4: speak or teach or whatever. And so as a month 193 00:08:46,240 --> 00:08:48,959 Speaker 4: rolls on, I make money. I cannot do that and 194 00:08:49,200 --> 00:08:52,080 Speaker 4: the kid because one, you know, I'm gonna have to 195 00:08:52,080 --> 00:08:54,079 Speaker 4: be home. I do a lot of speaking around the country, 196 00:08:54,120 --> 00:08:56,360 Speaker 4: you know, So that's a worry for me. So I thought, well, 197 00:08:56,400 --> 00:08:58,280 Speaker 4: how am I going to make this work. So one 198 00:08:58,280 --> 00:09:00,600 Speaker 4: of the things I'm implementing is I'm looking for other 199 00:09:00,640 --> 00:09:01,760 Speaker 4: ways to make passive income. 200 00:09:01,840 --> 00:09:04,360 Speaker 2: So I have two books that do fairly well. 201 00:09:04,559 --> 00:09:06,520 Speaker 4: I'm coming out with a children's book hopefully that will 202 00:09:06,520 --> 00:09:09,679 Speaker 4: boost up my income. In two I'm launching this academy 203 00:09:09,720 --> 00:09:12,720 Speaker 4: called the Live Richer Academy, where it's going to be 204 00:09:12,760 --> 00:09:14,560 Speaker 4: like a monthly fee and you can take classes on 205 00:09:14,640 --> 00:09:16,920 Speaker 4: investing and business and all this kind of stuff. And 206 00:09:16,960 --> 00:09:19,680 Speaker 4: so the Live Richer Academy will definitely help to put 207 00:09:20,040 --> 00:09:22,920 Speaker 4: regular income into my stream. Without me having to leave 208 00:09:22,920 --> 00:09:24,360 Speaker 4: the house because I'm not going to be able to, 209 00:09:24,400 --> 00:09:26,080 Speaker 4: at least not for a while. So I'd love to 210 00:09:26,080 --> 00:09:29,240 Speaker 4: hear what the BA audience has to say. Tweet us 211 00:09:29,320 --> 00:09:33,079 Speaker 4: at the BA Podcast. You can find us on Facebook 212 00:09:33,200 --> 00:09:38,520 Speaker 4: at Brown Ambition and you can email us at Brownambitionpodcast 213 00:09:38,640 --> 00:09:39,880 Speaker 4: at gmail dot com. 214 00:09:39,960 --> 00:09:41,719 Speaker 2: Let us know. Are you and Baby Limbo? What is 215 00:09:41,760 --> 00:09:44,840 Speaker 2: your story? We'd love to hear it, maybe share it 216 00:09:44,920 --> 00:09:46,040 Speaker 2: next time we're on. 217 00:09:56,679 --> 00:09:59,559 Speaker 4: So next up, this is one of my favorite segments. 218 00:09:59,640 --> 00:10:03,480 Speaker 4: It is is brown break, brown break? 219 00:10:04,600 --> 00:10:05,080 Speaker 1: Some music? 220 00:10:05,160 --> 00:10:11,679 Speaker 2: Yes, like. 221 00:10:10,720 --> 00:10:13,640 Speaker 4: Mandy's gonna really how about you share? Like what what 222 00:10:13,760 --> 00:10:14,360 Speaker 4: is a brown bak? 223 00:10:14,440 --> 00:10:14,680 Speaker 2: Many? 224 00:10:15,240 --> 00:10:18,640 Speaker 3: A brown break is just something in your life that 225 00:10:18,720 --> 00:10:21,439 Speaker 3: you are tired of having to deal with or explain 226 00:10:21,760 --> 00:10:22,840 Speaker 3: as a person of color. 227 00:10:23,760 --> 00:10:28,360 Speaker 1: And this week, my brown break is white feminism. 228 00:10:28,520 --> 00:10:30,439 Speaker 3: This is a very uncomfortable issue and I we like 229 00:10:30,480 --> 00:10:33,200 Speaker 3: to keep things light and fun as much as we can, 230 00:10:33,240 --> 00:10:35,959 Speaker 3: but white feminism is something that I'm starting to learn 231 00:10:36,000 --> 00:10:39,440 Speaker 3: a little bit more about and just to give some 232 00:10:39,640 --> 00:10:43,480 Speaker 3: background on what brought me to this necessary break in 233 00:10:43,559 --> 00:10:46,520 Speaker 3: my life. So two of my favorite authors, for very 234 00:10:46,520 --> 00:10:50,120 Speaker 3: different reasons. These authors couldn't be more different. Erica Jong, 235 00:10:50,920 --> 00:10:55,319 Speaker 3: amazing author, very popular in the seventies and popular even now. 236 00:10:55,360 --> 00:10:58,160 Speaker 3: She's a new book coming out. She was seen as 237 00:10:58,200 --> 00:11:00,320 Speaker 3: sort of like one of the first female writer to 238 00:11:00,360 --> 00:11:03,960 Speaker 3: really embrace women's sexuality, writing about a woman who's having 239 00:11:04,000 --> 00:11:08,679 Speaker 3: sex and saying curse words and sleeping around with no apology. 240 00:11:09,120 --> 00:11:11,199 Speaker 3: And she did a talk recently at the Decatur Book 241 00:11:11,240 --> 00:11:15,240 Speaker 3: Festival Shout Out to Atlanta, my hometown, with Rox Sane Gay, 242 00:11:15,360 --> 00:11:18,000 Speaker 3: another one of my favorite authors. She's the author of 243 00:11:18,160 --> 00:11:21,600 Speaker 3: Bad Feminist. And someone asks Erica Jong how she feels 244 00:11:21,600 --> 00:11:27,280 Speaker 3: about white feminism and the concept of white women generally 245 00:11:27,360 --> 00:11:30,520 Speaker 3: speaking about feminists in a way that can sometimes exclude 246 00:11:31,240 --> 00:11:34,320 Speaker 3: women of color. And this is not a new issue. 247 00:11:34,320 --> 00:11:37,000 Speaker 3: It's been around since the seventies, when the first or 248 00:11:37,160 --> 00:11:39,040 Speaker 3: not even the seventies, but you know, when women were 249 00:11:39,080 --> 00:11:41,239 Speaker 3: trying to get the right to vote, cut to the seventies, 250 00:11:41,280 --> 00:11:43,680 Speaker 3: when women were fighting for equal pay and things like that, 251 00:11:44,559 --> 00:11:48,880 Speaker 3: and generally white women would speak of feminism as if 252 00:11:48,920 --> 00:11:50,880 Speaker 3: it only applied from their point of view, and we 253 00:11:50,880 --> 00:11:54,360 Speaker 3: weren't hearing so much from black and brown women. So 254 00:11:54,360 --> 00:11:56,120 Speaker 3: this is something that I care a lot about, and 255 00:11:56,160 --> 00:11:59,079 Speaker 3: I have to say as someone who really respects Erica John, 256 00:11:59,480 --> 00:12:01,679 Speaker 3: Erica John from the bottom of my heart, and I 257 00:12:01,720 --> 00:12:02,400 Speaker 3: love her writing. 258 00:12:02,760 --> 00:12:03,400 Speaker 2: The way that she. 259 00:12:03,480 --> 00:12:06,960 Speaker 3: Handled it wasn't I think the best way she could 260 00:12:06,960 --> 00:12:09,880 Speaker 3: have handled things. She got really defensive, and I can 261 00:12:09,960 --> 00:12:12,920 Speaker 3: understand why you'd be defensive, because if you identify as 262 00:12:12,920 --> 00:12:15,480 Speaker 3: a feminist. And I give her so much respect. She 263 00:12:15,600 --> 00:12:18,800 Speaker 3: has done so much for the cause for feminism in 264 00:12:18,840 --> 00:12:23,199 Speaker 3: America and supported so many women, but she immediately was 265 00:12:23,640 --> 00:12:26,400 Speaker 3: discounting the whole white feminism thing. Oh no, of course not. 266 00:12:26,760 --> 00:12:28,760 Speaker 3: You know, Oh, We've done so much for all women 267 00:12:28,800 --> 00:12:30,839 Speaker 3: of color, all women of color. You know, everything I've 268 00:12:30,880 --> 00:12:33,920 Speaker 3: done has been through this lens of you know, all women, 269 00:12:34,040 --> 00:12:36,600 Speaker 3: all women. And it just seemed like a second iteration 270 00:12:36,679 --> 00:12:39,680 Speaker 3: of the whole all lives matter thing. And you know, 271 00:12:39,720 --> 00:12:42,080 Speaker 3: we kind of saw this play out with the whole 272 00:12:42,160 --> 00:12:45,400 Speaker 3: Nicki Minaj and Taylor Swift beef on Twitter, where Nikki's 273 00:12:45,440 --> 00:12:47,520 Speaker 3: trying to make a statement about how black women are 274 00:12:47,559 --> 00:12:50,000 Speaker 3: treated in the music industry, and then Taylor comes in 275 00:12:50,040 --> 00:12:51,240 Speaker 3: and talks about, why are you trying. 276 00:12:51,040 --> 00:12:51,679 Speaker 1: To make it about you? 277 00:12:52,080 --> 00:12:55,040 Speaker 3: All women in music industry are marginalized and you know, 278 00:12:55,080 --> 00:12:59,000 Speaker 3: sexualized in different ways and disenfranchised. But no, Taylor, No, 279 00:13:00,400 --> 00:13:02,920 Speaker 3: and women of color are way more likely to be 280 00:13:03,000 --> 00:13:06,320 Speaker 3: marginalized in the music industry. And not just there. Let's 281 00:13:06,360 --> 00:13:09,440 Speaker 3: talk about in terms of like the wage gap. That's 282 00:13:09,480 --> 00:13:12,600 Speaker 3: a huge cornerstone of the feminist movement today is the 283 00:13:12,640 --> 00:13:15,720 Speaker 3: fact that women are still earning less than eight eighty 284 00:13:15,760 --> 00:13:18,880 Speaker 3: cents on the dollar for a man. What gets lost 285 00:13:18,960 --> 00:13:21,400 Speaker 3: when you stop the conversation there is the fact that 286 00:13:21,480 --> 00:13:24,160 Speaker 3: Latina and black women are much more likely to make 287 00:13:24,240 --> 00:13:27,480 Speaker 3: less than that. And yeah, I'm just over I'm over 288 00:13:27,679 --> 00:13:31,400 Speaker 3: people stopping the conversation at here's what it looks like 289 00:13:31,440 --> 00:13:33,719 Speaker 3: for all women, because all women don't have the same 290 00:13:33,720 --> 00:13:34,520 Speaker 3: stait exactly. 291 00:13:34,960 --> 00:13:37,280 Speaker 4: So you need a brown break for the white So 292 00:13:37,640 --> 00:13:42,600 Speaker 4: my brown break is this whole debate of perm versus 293 00:13:42,840 --> 00:13:43,880 Speaker 4: natural apage. 294 00:13:45,360 --> 00:13:49,680 Speaker 3: So I am sitting with my fed up like my 295 00:13:49,840 --> 00:13:52,480 Speaker 3: half perm, half relaxed awkward transition face. 296 00:13:52,600 --> 00:13:55,080 Speaker 4: So many's half and half right, And here I am 297 00:13:55,120 --> 00:13:57,920 Speaker 4: fully natural. I have locks for the last like seven years. 298 00:13:57,960 --> 00:14:00,640 Speaker 4: But honestly, I've been natural since I want to say, 299 00:14:00,880 --> 00:14:04,319 Speaker 4: two thousand and one. I don't math good, so don't 300 00:14:04,280 --> 00:14:05,040 Speaker 4: know how many years I does. 301 00:14:05,760 --> 00:14:06,360 Speaker 1: Fifteen years. 302 00:14:06,440 --> 00:14:08,520 Speaker 4: Yeah, I was honestly natural. For the majority of my 303 00:14:08,559 --> 00:14:11,760 Speaker 4: life I had a perm. Yeah, I was like totally 304 00:14:11,800 --> 00:14:14,400 Speaker 4: like the natural girl before it became cool when I 305 00:14:14,440 --> 00:14:17,240 Speaker 4: went natural. At first I had honestly here's where I 306 00:14:17,280 --> 00:14:20,160 Speaker 4: went natural. So all throughout high school I had I 307 00:14:20,200 --> 00:14:22,880 Speaker 4: had a natural hair. I had braids, the Brandy braids 308 00:14:23,720 --> 00:14:26,680 Speaker 4: for those of you who can remember Brandy Norwood. M h, 309 00:14:28,560 --> 00:14:32,600 Speaker 4: I want to be down. So I had the braids 310 00:14:32,600 --> 00:14:35,560 Speaker 4: because I played sports. I played tennis, and so it 311 00:14:35,560 --> 00:14:37,520 Speaker 4: didn't make sense for me to have a PERM and 312 00:14:38,040 --> 00:14:42,040 Speaker 4: have permed hair and played sports. And so I was 313 00:14:42,120 --> 00:14:44,520 Speaker 4: natural mostly all my life. And then when I went 314 00:14:44,560 --> 00:14:46,680 Speaker 4: away to college, I was like, oh, I want a PERM. 315 00:14:46,760 --> 00:14:48,800 Speaker 4: I felt like perm was like the next level of 316 00:14:48,800 --> 00:14:51,960 Speaker 4: like womanhood for black women, and so I got a 317 00:14:52,000 --> 00:14:55,480 Speaker 4: PERM and two years in my hair started to fall out, 318 00:14:55,480 --> 00:14:58,400 Speaker 4: like I had alopecia. So alopecia is really weird. 319 00:14:58,600 --> 00:15:01,200 Speaker 1: Putting a very toxic coming your hair wasn't good. 320 00:15:01,040 --> 00:15:04,240 Speaker 4: For it, I know, And so my stylist was like, 321 00:15:04,400 --> 00:15:07,600 Speaker 4: you know what, Tiffany, your texture of hair, It's just 322 00:15:07,640 --> 00:15:10,560 Speaker 4: like I have really really tightly coiled hair and it 323 00:15:10,640 --> 00:15:13,880 Speaker 4: just was not blending well with the perm. So literally 324 00:15:13,880 --> 00:15:15,960 Speaker 4: the side started good go first, and then the back 325 00:15:16,040 --> 00:15:18,160 Speaker 4: and the front, and then finally she was like, you're 326 00:15:18,160 --> 00:15:20,400 Speaker 4: just gonna have to let the perm go, and so 327 00:15:20,480 --> 00:15:22,040 Speaker 4: I cut off all of the perm and I was 328 00:15:22,120 --> 00:15:25,120 Speaker 4: left with this spiky fro, and I realized it was 329 00:15:25,160 --> 00:15:27,120 Speaker 4: too short to get braided, so I was kind of 330 00:15:27,160 --> 00:15:31,240 Speaker 4: forced to walk around with spike fro and I had so. 331 00:15:31,200 --> 00:15:33,280 Speaker 2: It started to grow out and I kind of liked 332 00:15:33,280 --> 00:15:34,240 Speaker 2: the fro. It was cute. 333 00:15:34,240 --> 00:15:37,200 Speaker 4: It was a cute little afro mini afro. But women 334 00:15:37,920 --> 00:15:40,600 Speaker 4: and older black women started stopping me in the street 335 00:15:40,640 --> 00:15:42,000 Speaker 4: and literally saying, why would. 336 00:15:41,760 --> 00:15:42,560 Speaker 2: You do that to yourself? 337 00:15:43,720 --> 00:15:46,600 Speaker 4: My my wasn't my mother and my father either, one 338 00:15:46,640 --> 00:15:48,840 Speaker 4: of them. One of them said to me, so you 339 00:15:48,880 --> 00:15:52,760 Speaker 4: don't plan to, Maddie. I'll translate, so you never want 340 00:15:52,800 --> 00:15:55,040 Speaker 4: to get married. I was like, excuse me, So you 341 00:15:55,040 --> 00:15:56,720 Speaker 4: don't want to, Maddie. That's what this hair is seen, 342 00:15:56,880 --> 00:15:57,360 Speaker 4: that's what this. 343 00:15:57,320 --> 00:15:59,360 Speaker 1: Is what my so you're putting out there, Yes, so 344 00:15:59,440 --> 00:16:00,000 Speaker 1: this is what I was. 345 00:16:00,000 --> 00:16:04,080 Speaker 4: So I couldn't believe how. I don't know, just like 346 00:16:04,160 --> 00:16:07,760 Speaker 4: how politicized my hair was. I literally just stopped getting 347 00:16:07,760 --> 00:16:10,560 Speaker 4: a perm because I was going bald. I wasn't trying 348 00:16:10,560 --> 00:16:13,680 Speaker 4: to make a statement. I wasn't trying to I don't know, 349 00:16:13,920 --> 00:16:17,160 Speaker 4: trying to like prove my blackness. It was, hey, I'd 350 00:16:17,200 --> 00:16:19,120 Speaker 4: like not to be bald. Let me go back to 351 00:16:19,120 --> 00:16:19,680 Speaker 4: the where. 352 00:16:19,440 --> 00:16:19,920 Speaker 2: My hair was. 353 00:16:20,280 --> 00:16:21,400 Speaker 1: Yeah, very practical. 354 00:16:21,520 --> 00:16:23,880 Speaker 4: But what I found was with time, as time went on, 355 00:16:24,520 --> 00:16:26,640 Speaker 4: I found that people were politicizing it. For me. 356 00:16:26,680 --> 00:16:28,360 Speaker 2: I would go to like Harlem or New York and 357 00:16:28,560 --> 00:16:29,320 Speaker 2: people would. 358 00:16:29,080 --> 00:16:31,520 Speaker 4: Say, hey, sister, like they would treat me differently than 359 00:16:31,560 --> 00:16:33,120 Speaker 4: my friends who I was walking with who had a 360 00:16:33,160 --> 00:16:36,120 Speaker 4: perm You know, I wasn't When men even would approach me, 361 00:16:36,200 --> 00:16:38,200 Speaker 4: it wasn't the same like hey, shorty, what up? You know? 362 00:16:38,240 --> 00:16:39,920 Speaker 4: It was like Hi, I just want to tell you 363 00:16:39,960 --> 00:16:42,560 Speaker 4: that you're so beautiful. And it was different, and I 364 00:16:42,560 --> 00:16:45,880 Speaker 4: thought that was so yeah, so strange, And but now 365 00:16:45,920 --> 00:16:47,640 Speaker 4: what's happened. At first it was like I was so 366 00:16:47,680 --> 00:16:49,960 Speaker 4: happy to see that people were embracing their natural hair, 367 00:16:50,440 --> 00:16:53,400 Speaker 4: and I was like, yeah, yeah, yay. But now what's happened. 368 00:16:53,440 --> 00:16:56,600 Speaker 4: It's like there's two camps. There's the perm camp and 369 00:16:56,600 --> 00:16:59,160 Speaker 4: there's their natural camp. And sometimes I find that each 370 00:16:59,200 --> 00:17:02,160 Speaker 4: camp is like looking down on each other, right, And 371 00:17:02,160 --> 00:17:04,199 Speaker 4: I'm like, to me, it's just hair. It's just a 372 00:17:04,280 --> 00:17:07,119 Speaker 4: choice like a dress or pants or shoes, and you 373 00:17:07,119 --> 00:17:08,760 Speaker 4: should be able to make your choice. And you shouldn't 374 00:17:08,760 --> 00:17:11,320 Speaker 4: be shamed for having a perm. You shouldn't be shamed 375 00:17:11,320 --> 00:17:13,520 Speaker 4: for being natural. When to me, it should just be 376 00:17:13,560 --> 00:17:16,800 Speaker 4: an expression of like just how you want to look today, yeah, 377 00:17:16,840 --> 00:17:18,879 Speaker 4: you know, or even if you want to make it, 378 00:17:18,920 --> 00:17:20,679 Speaker 4: if you want to make it pull, that's fine, But 379 00:17:20,720 --> 00:17:32,000 Speaker 4: that's just not me. And we're here and we're back 380 00:17:32,040 --> 00:17:35,400 Speaker 4: and we are going to give you some tips brand 381 00:17:35,440 --> 00:17:37,399 Speaker 4: ambition tips for today. 382 00:17:37,480 --> 00:17:39,280 Speaker 1: So what are your tips for today? Tips? 383 00:17:39,480 --> 00:17:42,800 Speaker 4: So my main tip for today really is for those 384 00:17:42,840 --> 00:17:45,199 Speaker 4: of you who are starting a business. If this is 385 00:17:45,240 --> 00:17:47,760 Speaker 4: a very first kind of stage of your business, you 386 00:17:47,880 --> 00:17:49,800 Speaker 4: have to make a decision of whether or not you 387 00:17:49,880 --> 00:17:50,880 Speaker 4: want to. 388 00:17:50,560 --> 00:17:53,760 Speaker 2: Be a business or look like a business. Right, so 389 00:17:54,080 --> 00:17:54,760 Speaker 2: this is a business. 390 00:17:54,800 --> 00:17:57,320 Speaker 4: There's a fourteen year old girl on your block who 391 00:17:57,480 --> 00:18:00,000 Speaker 4: babysits and she gets paid to She has a business, 392 00:18:00,600 --> 00:18:02,879 Speaker 4: you know, very informal, but a business nonetheless, because a 393 00:18:02,920 --> 00:18:05,480 Speaker 4: business is just when you have a product or service 394 00:18:05,720 --> 00:18:06,800 Speaker 4: that somebody. 395 00:18:06,400 --> 00:18:07,880 Speaker 2: Wants to buy and they do. 396 00:18:08,080 --> 00:18:11,119 Speaker 4: Now, if you look like a business, looks all fancy, 397 00:18:11,200 --> 00:18:13,240 Speaker 4: you have your business cards and pens and everything, but 398 00:18:13,320 --> 00:18:14,240 Speaker 4: haven't made a sale. 399 00:18:14,560 --> 00:18:16,760 Speaker 2: The fourteen year old has a business. You do not. 400 00:18:17,760 --> 00:18:19,840 Speaker 4: So here's how I can help you get to a 401 00:18:19,880 --> 00:18:22,600 Speaker 4: place where you can actually make money on your business. First, 402 00:18:23,000 --> 00:18:25,119 Speaker 4: you want to make sure that that your return on 403 00:18:25,240 --> 00:18:27,560 Speaker 4: there's a direct return on investments in the things that 404 00:18:27,600 --> 00:18:30,040 Speaker 4: you buy. So what that means is this that anything 405 00:18:30,080 --> 00:18:33,119 Speaker 4: that you're buying in the beginning stages of your business 406 00:18:33,280 --> 00:18:36,159 Speaker 4: should directly make you money. So let's just say you 407 00:18:36,200 --> 00:18:38,320 Speaker 4: want to be a baker. If you want to be 408 00:18:38,359 --> 00:18:41,320 Speaker 4: a baker, getting a bakery is not going to directly 409 00:18:41,359 --> 00:18:44,080 Speaker 4: make you money. Having business cards is not going to 410 00:18:44,119 --> 00:18:46,720 Speaker 4: directly make you money. That looks like a business. That's 411 00:18:46,760 --> 00:18:52,360 Speaker 4: not a business. Eggs, flour, sugar shortening, vanilla seasoning, whatever, 412 00:18:52,640 --> 00:18:55,280 Speaker 4: those things will directly make you money because you can 413 00:18:55,320 --> 00:18:57,840 Speaker 4: bake them, to make bake goods and sell them. 414 00:18:58,040 --> 00:18:59,320 Speaker 2: So in the beginning I. 415 00:18:59,280 --> 00:19:03,160 Speaker 4: Really urge new entrepreneurs to really only put your money 416 00:19:03,160 --> 00:19:06,560 Speaker 4: into things that you can directly repackage and make you money. 417 00:19:06,680 --> 00:19:10,120 Speaker 1: You're speaking to my dad right now. I think, Hey, 418 00:19:10,240 --> 00:19:13,679 Speaker 1: Manny's big al who also does photography. 419 00:19:13,960 --> 00:19:17,400 Speaker 3: Matt Alton Wodriff Dot com excellent. 420 00:19:17,440 --> 00:19:18,440 Speaker 1: Thank you. That's a great tip. 421 00:19:18,520 --> 00:19:18,879 Speaker 2: Thanks. 422 00:19:19,480 --> 00:19:21,679 Speaker 3: So I want to talk about how to save on 423 00:19:21,800 --> 00:19:24,160 Speaker 3: rent and make rent more affordable, and these are tried 424 00:19:24,200 --> 00:19:27,280 Speaker 3: and true tips that I've actually done to lower my rent. 425 00:19:27,840 --> 00:19:30,000 Speaker 3: In fact, I moved into a new place about a 426 00:19:30,080 --> 00:19:32,200 Speaker 3: year and a half ago and I managed to save 427 00:19:32,400 --> 00:19:35,439 Speaker 3: It will be twelve it'll be two four hundred dollars 428 00:19:35,520 --> 00:19:37,720 Speaker 3: once we hit our two year mark, because I got 429 00:19:37,720 --> 00:19:40,040 Speaker 3: them to shape one hundred bucks off their asking price 430 00:19:40,080 --> 00:19:42,520 Speaker 3: for the rent, which I was really proud of. And 431 00:19:42,560 --> 00:19:44,879 Speaker 3: again it's just like I said, those little asks. Just 432 00:19:44,960 --> 00:19:46,600 Speaker 3: ask for the little stuff. You never know what they're 433 00:19:46,600 --> 00:19:50,440 Speaker 3: gonna say. My first tip to save on rent is obviously, 434 00:19:50,520 --> 00:19:53,560 Speaker 3: don't be afraid to negotiate, especially if you know that 435 00:19:53,720 --> 00:19:56,239 Speaker 3: maybe you're moving to a place where there's not as 436 00:19:56,320 --> 00:19:57,840 Speaker 3: much demand for rental places. 437 00:19:58,840 --> 00:19:59,800 Speaker 1: Ask your landlord. 438 00:19:59,800 --> 00:20:01,879 Speaker 3: You know, let's say you know, for example, your rent 439 00:20:01,920 --> 00:20:05,320 Speaker 3: is sixteen hundred dollars a month, you have excellent credit, 440 00:20:05,600 --> 00:20:08,680 Speaker 3: you have references, you come correct with references, and you're 441 00:20:08,720 --> 00:20:11,520 Speaker 3: ready to show your landlord what a responsible tenant you are. 442 00:20:11,840 --> 00:20:15,080 Speaker 3: If you can show them how responsible you are, then 443 00:20:15,280 --> 00:20:18,680 Speaker 3: ask them for one hundred dollars or ten percent dedunction 444 00:20:18,760 --> 00:20:21,760 Speaker 3: in the rent. It can work, but again you have 445 00:20:21,840 --> 00:20:25,359 Speaker 3: to come prepared with those references and with that good credit. 446 00:20:25,440 --> 00:20:26,600 Speaker 2: A tenant of mine did that once. 447 00:20:26,760 --> 00:20:28,600 Speaker 4: Oh really Yeah, she was twenty six years old, and 448 00:20:28,600 --> 00:20:31,240 Speaker 4: I remember I was like, I don't know, but because 449 00:20:31,280 --> 00:20:33,520 Speaker 4: she came so prepared with everything, and she actually pre 450 00:20:33,600 --> 00:20:35,960 Speaker 4: wrote the checks a year in advance to me, so 451 00:20:36,000 --> 00:20:39,560 Speaker 4: when she asked for less, I was ahead, but she 452 00:20:39,760 --> 00:20:42,200 Speaker 4: was like, amazing, No, but that works because I'm a 453 00:20:42,400 --> 00:20:45,440 Speaker 4: I used to be a landlord, and her coming so prepared, 454 00:20:45,560 --> 00:20:47,840 Speaker 4: I was willing to offer her less just to have 455 00:20:47,880 --> 00:20:48,800 Speaker 4: a good tenant in there. 456 00:20:49,040 --> 00:20:52,640 Speaker 3: Offering months in advance rent payments. That's a good tip, 457 00:20:52,720 --> 00:20:55,000 Speaker 3: a good strategy. And I don't know if it's so 458 00:20:55,080 --> 00:20:57,080 Speaker 3: common outside of New York, but a lot of landlords 459 00:20:57,080 --> 00:20:59,879 Speaker 3: asked for first and last month's rent plus security, to 460 00:21:00,359 --> 00:21:03,280 Speaker 3: which I know is hard to come up with. But 461 00:21:03,320 --> 00:21:05,280 Speaker 3: if you can, if you can offer to pay two 462 00:21:05,440 --> 00:21:07,840 Speaker 3: or three months, maybe even half a year's rent in 463 00:21:07,920 --> 00:21:12,040 Speaker 3: advance upfront, they'll be willing to shave money off your 464 00:21:12,040 --> 00:21:14,280 Speaker 3: rent if you ask them. They might be at the 465 00:21:14,359 --> 00:21:16,800 Speaker 3: end of the day, a landlord has a product that 466 00:21:16,840 --> 00:21:19,440 Speaker 3: he's trying to sell and he wants someone who's going 467 00:21:19,480 --> 00:21:22,000 Speaker 3: to be living there and be responsible and not going 468 00:21:22,080 --> 00:21:23,920 Speaker 3: to move out, you know, and break your lease early. 469 00:21:24,240 --> 00:21:26,200 Speaker 3: And if you show that kind of commitment, paying in 470 00:21:26,320 --> 00:21:29,800 Speaker 3: advance can really help you. Another strategy that I've used 471 00:21:29,920 --> 00:21:32,639 Speaker 3: is picking a good time of year to rent. Studies 472 00:21:32,680 --> 00:21:36,199 Speaker 3: show and my experience shows that the winter, winter and 473 00:21:36,280 --> 00:21:38,840 Speaker 3: early spring are some of the more dry seasons, and 474 00:21:38,920 --> 00:21:42,240 Speaker 3: as a landlord, there's less competition out there, which means 475 00:21:42,280 --> 00:21:45,040 Speaker 3: that they're more desperate to rent their place out. And 476 00:21:45,119 --> 00:21:47,440 Speaker 3: I think that's probably a lot of the reason why 477 00:21:47,520 --> 00:21:49,040 Speaker 3: I was able to negotiate my rent. 478 00:21:49,119 --> 00:21:50,840 Speaker 2: On top of having when was it you good credit? 479 00:21:50,920 --> 00:21:51,479 Speaker 1: I moved in. 480 00:21:51,560 --> 00:21:53,760 Speaker 3: We were looking for an apartment in February, moved in 481 00:21:53,880 --> 00:21:57,080 Speaker 3: March first, so it was a great time. It's way 482 00:21:57,119 --> 00:21:59,560 Speaker 3: more difficult to negotiate a rent because there's so many 483 00:21:59,560 --> 00:22:02,879 Speaker 3: people for places in May and in September, end of 484 00:22:02,920 --> 00:22:06,560 Speaker 3: college and beginning of the school year exactly definitely, So 485 00:22:07,320 --> 00:22:09,040 Speaker 3: think about your timing and if you can time it 486 00:22:09,080 --> 00:22:11,159 Speaker 3: around winter time. It sucks to move in the cold, 487 00:22:11,200 --> 00:22:13,080 Speaker 3: but money keeps me. 488 00:22:13,680 --> 00:22:16,040 Speaker 2: I was gonna say that what I wear a money jackets. 489 00:22:17,520 --> 00:22:21,359 Speaker 3: And my last tip would be protect your belongings. This 490 00:22:21,520 --> 00:22:24,480 Speaker 3: is like please eat your vinum, meet your vitamins, and 491 00:22:24,520 --> 00:22:27,680 Speaker 3: like eat your vegetables and stuff. But seriously, renters insurance 492 00:22:27,840 --> 00:22:29,800 Speaker 3: is no joke. You need to have it. It costs 493 00:22:29,880 --> 00:22:32,640 Speaker 3: like ten to fifteen dollars a month. You can easily 494 00:22:32,640 --> 00:22:35,719 Speaker 3: get a policy. If you have car insurance, call your 495 00:22:35,800 --> 00:22:39,040 Speaker 3: I'm sure your insurance company probably offers a renter's insurance policy. 496 00:22:39,359 --> 00:22:40,520 Speaker 1: You can go through your bank. 497 00:22:40,840 --> 00:22:42,520 Speaker 3: You can go to just a random bank and ask 498 00:22:42,600 --> 00:22:46,199 Speaker 3: them like USAA has a great RENTERSS policy and get 499 00:22:46,280 --> 00:22:49,560 Speaker 3: Renter's insurance. Here is why if something were to happen 500 00:22:49,600 --> 00:22:52,520 Speaker 3: to your apartments, say a fire or a flood or 501 00:22:52,560 --> 00:22:55,920 Speaker 3: the spring you know, someone's bathtub overflows up above, which 502 00:22:55,920 --> 00:22:58,480 Speaker 3: has happened to people before that I know, and it 503 00:22:58,560 --> 00:23:01,240 Speaker 3: drips down and ruins all your firm. Sure your landlord 504 00:23:01,320 --> 00:23:04,000 Speaker 3: is going to definitely pay to repair the structure and 505 00:23:04,040 --> 00:23:06,080 Speaker 3: to repair the floor in the ceiling. But he has 506 00:23:06,200 --> 00:23:08,679 Speaker 3: or she has no obligation to take care of your stuff, 507 00:23:09,080 --> 00:23:11,320 Speaker 3: which is why you have to have renter's insurance. And 508 00:23:11,480 --> 00:23:13,359 Speaker 3: one of the perks of renters insurance is that it 509 00:23:13,400 --> 00:23:16,560 Speaker 3: won't just cover the stuff in your apartment. If you 510 00:23:16,600 --> 00:23:19,399 Speaker 3: take your laptop computer, you leave it at a friend's 511 00:23:19,400 --> 00:23:21,600 Speaker 3: place or in your car and it gelts stolen. 512 00:23:21,359 --> 00:23:22,520 Speaker 1: Really it'll still cover it. 513 00:23:22,560 --> 00:23:24,960 Speaker 2: Oh yeah, awesome. Yeah, and it's not even all that expenses. 514 00:23:25,080 --> 00:23:27,679 Speaker 3: It's literally ten to twelve dollars. You can do estimates online. 515 00:23:27,720 --> 00:23:29,600 Speaker 3: You can go to Traveler's Insurance. They have a cool 516 00:23:29,680 --> 00:23:31,960 Speaker 3: tool that you can use. Bank Rate has a cool 517 00:23:31,960 --> 00:23:34,560 Speaker 3: I think rent as insurance calculator you can use just 518 00:23:34,600 --> 00:23:35,000 Speaker 3: call and. 519 00:23:34,960 --> 00:23:35,520 Speaker 2: Get a quote. 520 00:23:35,680 --> 00:23:37,240 Speaker 3: All you have to do is go through your apartments, 521 00:23:37,240 --> 00:23:39,240 Speaker 3: start with your closet and work you through each room 522 00:23:39,600 --> 00:23:41,640 Speaker 3: and get a rough estimate of how much you think. 523 00:23:41,720 --> 00:23:43,639 Speaker 3: Like I think for our place, I have a policy 524 00:23:43,640 --> 00:23:46,560 Speaker 3: for fifteen thousand dollars. Okay, you know, just something that'll 525 00:23:46,560 --> 00:23:48,800 Speaker 3: cover your stuff. Yeah, in the event of an accident 526 00:23:49,400 --> 00:23:52,640 Speaker 3: renchest of insurance excellent return on the best. 527 00:23:52,800 --> 00:23:54,240 Speaker 2: Yes, I like that tip. 528 00:23:54,720 --> 00:23:57,120 Speaker 4: So hopefully if you like our tips, you will let 529 00:23:57,200 --> 00:24:00,680 Speaker 4: us know. Tweet us the BA podcast at the BA 530 00:24:00,760 --> 00:24:03,880 Speaker 4: Podcast at the BA Podcast, Facebook. 531 00:24:03,720 --> 00:24:09,600 Speaker 1: Brown Ambition and Email Ambition podcast at Gail. 532 00:24:11,320 --> 00:24:12,440 Speaker 2: We should be a Singing Girl. 533 00:24:14,680 --> 00:24:18,920 Speaker 4: So we are closing out this week's podcast with Our Winds. 534 00:24:19,160 --> 00:24:21,639 Speaker 2: All I do is win, win, win, no matter what. 535 00:24:23,200 --> 00:24:23,760 Speaker 2: Do you like that one? 536 00:24:23,840 --> 00:24:26,480 Speaker 3: Right, let's save that for every every single segment we 537 00:24:26,480 --> 00:24:27,119 Speaker 3: do of the Winds. 538 00:24:27,160 --> 00:24:29,840 Speaker 4: Oh, we should let me practice my notes first, but 539 00:24:29,880 --> 00:24:34,080 Speaker 4: you know what's good? So this wind is near and 540 00:24:34,119 --> 00:24:36,679 Speaker 4: dear to my heart. We talked about baby Limbo. I 541 00:24:36,720 --> 00:24:39,320 Speaker 4: am a first time auntie and we have a little 542 00:24:39,359 --> 00:24:41,960 Speaker 4: boy and a family full of women who are ready 543 00:24:42,000 --> 00:24:42,480 Speaker 4: to spoil. 544 00:24:42,560 --> 00:24:44,880 Speaker 2: She told me, she told me before the baby came. 545 00:24:44,920 --> 00:24:47,960 Speaker 4: You know, I'm not buying anything, right, and true to form, 546 00:24:48,200 --> 00:24:50,040 Speaker 4: she didn't have to, not with four aunties who are 547 00:24:50,040 --> 00:24:53,359 Speaker 4: just doting on this little baby. He's the cutest and 548 00:24:53,480 --> 00:24:55,680 Speaker 4: I love my little peanut, that's my nickname for him. 549 00:24:55,840 --> 00:24:57,920 Speaker 2: And yeah, so that's my win for the week. 550 00:24:58,280 --> 00:25:00,960 Speaker 1: Good for her, good for you. New babies are great. 551 00:25:01,040 --> 00:25:06,320 Speaker 3: Yes, if you're ready for that, Yes, okay, my win 552 00:25:06,440 --> 00:25:09,520 Speaker 3: of the week. I need to call out Ah. I 553 00:25:09,560 --> 00:25:11,120 Speaker 3: would say this associate to mine. 554 00:25:11,119 --> 00:25:12,200 Speaker 1: We went to college together. 555 00:25:12,280 --> 00:25:14,040 Speaker 3: And you know how you go to school with someone 556 00:25:14,119 --> 00:25:15,639 Speaker 3: you know them well, and then you leave school and 557 00:25:15,640 --> 00:25:17,320 Speaker 3: then you kind of drift apart and you go do 558 00:25:17,359 --> 00:25:20,040 Speaker 3: your own thing, and but you still follow each other 559 00:25:20,040 --> 00:25:22,480 Speaker 3: on social media, Like I still kind of social media 560 00:25:22,520 --> 00:25:25,040 Speaker 3: stock her and have been following her career, and I'm 561 00:25:25,080 --> 00:25:28,520 Speaker 3: really proud of her. I think she's doing our school proud. 562 00:25:29,040 --> 00:25:31,600 Speaker 3: Her name is Macy Peterson and she has this app 563 00:25:31,600 --> 00:25:35,360 Speaker 3: which is pretty genius. It's called on Second Thought. It's 564 00:25:35,400 --> 00:25:38,320 Speaker 3: for Android users, and this is going to solve one. 565 00:25:38,560 --> 00:25:40,399 Speaker 3: It pretty much solves the problem all of us have 566 00:25:40,480 --> 00:25:43,000 Speaker 3: faith with our texting. It allows you to take back 567 00:25:43,000 --> 00:25:46,040 Speaker 3: a text. Really yeah, not take it back in the 568 00:25:46,080 --> 00:25:47,640 Speaker 3: sense that you send it and you can get it back. 569 00:25:47,680 --> 00:25:49,400 Speaker 3: But I think how it works is that you send 570 00:25:49,400 --> 00:25:51,040 Speaker 3: a text through the app and then you have like 571 00:25:51,080 --> 00:25:53,439 Speaker 3: an hour delay or a twenty four hour delay, like 572 00:25:53,480 --> 00:25:56,080 Speaker 3: if you think you might regret sending it in the morning. Okay, 573 00:25:56,200 --> 00:25:58,240 Speaker 3: let's say you had a couple glasses of wine. You're 574 00:25:58,240 --> 00:26:00,800 Speaker 3: not toasted, but like you're just needing. Maybe I'll send 575 00:26:00,800 --> 00:26:03,200 Speaker 3: it to second and like a five second delay. Nice 576 00:26:03,440 --> 00:26:06,560 Speaker 3: feeling nice and you feel like you feel some kind 577 00:26:06,600 --> 00:26:08,120 Speaker 3: of way about your what your mom said to you 578 00:26:08,160 --> 00:26:09,960 Speaker 3: about you know, your hair last week, and you want 579 00:26:09,960 --> 00:26:11,400 Speaker 3: to let her know how you feel. You can send 580 00:26:11,400 --> 00:26:14,040 Speaker 3: it to on Second on Second Thought the app and 581 00:26:14,240 --> 00:26:16,840 Speaker 3: have a day or an hour delay before the app 582 00:26:16,920 --> 00:26:18,360 Speaker 3: the text actually gets sent. 583 00:26:18,480 --> 00:26:20,600 Speaker 1: Okay, pretty smart idees. 584 00:26:21,640 --> 00:26:24,119 Speaker 3: So she presented this at I think it started at 585 00:26:24,119 --> 00:26:27,280 Speaker 3: south By Southwest last year, and in just a year's time, 586 00:26:27,400 --> 00:26:31,400 Speaker 3: she's raised hundreds of thousands of dollars and she's moving 587 00:26:31,560 --> 00:26:34,879 Speaker 3: the app and her startup from DC to Silicon Valley. 588 00:26:35,040 --> 00:26:36,879 Speaker 1: She's like living the entrepreneur's dream. 589 00:26:37,119 --> 00:26:39,200 Speaker 3: She's a brown girl, and she's a brown girl in tech, 590 00:26:39,280 --> 00:26:42,600 Speaker 3: which is so rare and so necessary, and it's awesome 591 00:26:42,640 --> 00:26:43,840 Speaker 3: to see her doing so well. 592 00:26:43,920 --> 00:26:45,520 Speaker 1: So I just want to give Macy a shout out. 593 00:26:45,600 --> 00:26:48,000 Speaker 2: Yes, Macey Color, Yeah right. 594 00:26:48,000 --> 00:26:49,560 Speaker 1: Maybe I'll stop just stalking her, let her know. 595 00:26:49,560 --> 00:26:51,600 Speaker 2: How I really feel. Now, that's awesome, Macy. 596 00:26:52,240 --> 00:26:53,720 Speaker 1: We should have her on one day. I'm sure she 597 00:26:53,760 --> 00:26:54,800 Speaker 1: has lots of tips to share. 598 00:26:54,920 --> 00:26:56,000 Speaker 2: Yeah, I'd love to hear that. 599 00:26:56,600 --> 00:26:59,359 Speaker 4: So hope you enjoyed this week show Me and Mandy 600 00:26:59,480 --> 00:27:01,880 Speaker 4: enjoyed being here with you. If you'd like to find us, 601 00:27:01,920 --> 00:27:02,920 Speaker 4: where can they find us? 602 00:27:03,040 --> 00:27:05,560 Speaker 3: You can find us on Twitter at the BA podcast, 603 00:27:06,040 --> 00:27:11,640 Speaker 3: on Facebook at Brown Ambition, or please send us emails, compliments, complaints, 604 00:27:12,080 --> 00:27:14,480 Speaker 3: send us your wins of the weeks, your brown breaks. 605 00:27:14,520 --> 00:27:18,920 Speaker 3: So email us at Brown Ambition Podcast at gmail dot com. 606 00:27:19,000 --> 00:27:19,600 Speaker 2: See you soon.