WEBVTT - Ep. 208 — The World Turned Upside Down

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<v Speaker 1>Hey, hey, hey, psych, let me stop. It's me and

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<v Speaker 1>Mandy and we're fine, and this is Brown and Doude

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<v Speaker 1>soon soon. Oh my god, it's crazy. I'm not gonna lie.

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<v Speaker 1>I'm taking it super seriously. I have not I'm well.

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<v Speaker 1>Y'all know that I'm I normally self quarantine anyway, just

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<v Speaker 1>because I'm always a part. But honestly, it's it's crazy.

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<v Speaker 1>Mandy one of my friends, and you know who you are, friend,

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<v Speaker 1>you might listen. I don't know if he's a promoter.

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<v Speaker 1>So he had like a lounge night and then brunched

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<v Speaker 1>the next day and had the nerve to have on

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<v Speaker 1>gloves and brunch like I just saw I just know

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<v Speaker 1>via like his Instagram stories.

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<v Speaker 2>I'm like, sir, maybe don't go to brunch, but if

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<v Speaker 2>you're gonna do brunch, you know, bringing gloves is not

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<v Speaker 2>the worst idea. As you guys know, we're talking about

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<v Speaker 2>what everyone's talking about right now, which is coronavirus COVID nineteen.

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<v Speaker 2>It seems like we've been top of the show talking

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<v Speaker 2>about at the last few shows, and no matter what,

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<v Speaker 2>every day it gets more intense. Every day it's more intense.

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<v Speaker 2>The anxiety level at least in New York City. I

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<v Speaker 2>don't know about Jersey, but it reached its peak the

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<v Speaker 2>last week. I officially started working from home, I would

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<v Speaker 2>say last Monday. And since then, you know, offices have

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<v Speaker 2>been closing, businesses have been closing. You know, the virus

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<v Speaker 2>is spreading all over the city. In the suburbs where

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<v Speaker 2>I am, everything is a ghost town. You know. My

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<v Speaker 2>husband was still going into the office until the end

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<v Speaker 2>of last week. Now he's working from home, quote unquote

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<v Speaker 2>working He actually can't do his job from home, so

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<v Speaker 2>he's been here in the house creating how home improvement

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<v Speaker 2>projects to do instead. But that's beside the point. But

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<v Speaker 2>has said that the trains are just, you know, completely empty,

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<v Speaker 2>and it feels, you know, nless you're a grocery store.

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<v Speaker 2>It feels like everything is sort of abandoned, which seems

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<v Speaker 2>to be the best thing to do, you know. Like

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<v Speaker 2>I don't know, I you know, I saw a couple

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<v Speaker 2>of my guy friends on Saturday night.

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<v Speaker 1>We're out at a bar, and I'm like, can you

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<v Speaker 1>go home? Like this is so yeah, that's what I mean.

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<v Speaker 1>I was making a joke with my friend, but I

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<v Speaker 1>was like, bruh, honestly, go home. It's weird in Jersey

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<v Speaker 1>because public transportation is not like a big thing like

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<v Speaker 1>it is in New York. So I want to go

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<v Speaker 1>make sure my parents were good. Yesterday, they wanted to

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<v Speaker 1>come from for a hug, but I was like social distance.

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<v Speaker 1>My dad is in his seventies, my mom is in

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<v Speaker 1>her sixties. But I wanted to make sure that they

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<v Speaker 1>had enough water. My mom, I mean, she's been playing

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<v Speaker 1>her whole life for this as an African woman with

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<v Speaker 1>a deep freezer that's six feet off. Yeah, she said,

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<v Speaker 1>we have enough food for a lifetime, which they do.

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<v Speaker 1>But my concern was they didn't have enough water. So

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<v Speaker 1>I dropped off some water, and I just felt like

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<v Speaker 1>a filter was probably best for them anyway. But I

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<v Speaker 1>remember I was on the road and it looked like

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<v Speaker 1>a normal Tuesday afternoon on the road, like people are

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<v Speaker 1>still driving places. So I'll say that. I mean, I

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<v Speaker 1>haven't been out out like that was really the only

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<v Speaker 1>outing is to make sure my parents are fine and

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<v Speaker 1>check in on my sister. But yeah, as far as driving,

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<v Speaker 1>it looked it wasn't. There were people out and about

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<v Speaker 1>what about the stores?

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<v Speaker 2>I mean, do you feel like there's men? So I'll

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<v Speaker 2>say that I've been to the grocery store and the

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<v Speaker 2>things that are missing our meat, and you know, I

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<v Speaker 2>want to chicken tacos for dinner last Thursday, and I

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<v Speaker 2>was like, call my mom's, like, we might have to

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<v Speaker 2>change our plan because there is like a few said

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<v Speaker 2>turkey breast filets here and like the most random meat

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<v Speaker 2>selection TP is gone, cleaning supply is gone. It just

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<v Speaker 2>feels like all this panic shopping. Can we talk with

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<v Speaker 2>that for a second, the panic shopping. You know, a

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<v Speaker 2>few weeks ago, my mom and I went to Sam's

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<v Speaker 2>Club and got some essentials. I was worried because we

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<v Speaker 2>didn't have children's tile and all or ibuprofen. You know,

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<v Speaker 2>like if we were going to get sick and you

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<v Speaker 2>don't want to go out and spread germs, like having

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<v Speaker 2>some medicines at home seem like a good idea. And

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<v Speaker 2>we did get like dipe and essentials, but we just

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<v Speaker 2>basically did grocery shopping. It feels like people are out

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<v Speaker 2>there shopping for the end of the world and that

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<v Speaker 2>is causing all these shortages, which to me, like and

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<v Speaker 2>you know, the government, uh local governments here have you know,

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<v Speaker 2>officials have said it's not necessary you know, at a

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<v Speaker 2>minimum or a maximum's you know, good enough for a

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<v Speaker 2>couple of weeks. But they're not going to be closing

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<v Speaker 2>down grocery stores. If anything, those are the essential businesses

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<v Speaker 2>that will you know, remain remain open.

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<v Speaker 1>Yeah.

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<v Speaker 2>So I don't know if the panic shopping, if you

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<v Speaker 2>guys are out there doing it, I understand why, but

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<v Speaker 2>try to only take what you need.

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<v Speaker 1>I'll say this that I was fortunate in that I

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<v Speaker 1>had just honestly went food shopping probably like a week

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<v Speaker 1>before the panic shopping started, because I was like, oh,

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<v Speaker 1>I knew, you know obviously, like the coronavirus. Were talking

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<v Speaker 1>about it on the news, and I just remember thinking, like,

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<v Speaker 1>I don't even have regular food. Let me just go

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<v Speaker 1>regular food shopping. And I feel like I went regular

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<v Speaker 1>food shopping the day before it all went crazy. I

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<v Speaker 1>went on a Tuesday, and I remember like, there's plenty

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<v Speaker 1>of water on the shells and things like that, and

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<v Speaker 1>I was but I had bought because my sister always

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<v Speaker 1>sys I over food shop, which I do, so I

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<v Speaker 1>didn't have enough space to put water on the cart.

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<v Speaker 1>And I was like, I'll just come back tomorrow for

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<v Speaker 1>the water Manye I came back the next day, I'm like,

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<v Speaker 1>what did the zombie apocalypse happen? Yeah, it was so coral.

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<v Speaker 1>It just I couldn't and I was just honestly grateful

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<v Speaker 1>that I had gone regular food shopping. But I will say, actually, know,

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<v Speaker 1>I'm gonna save it for my brown boost about like

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<v Speaker 1>who has been bay during this time? But yeah, it's

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<v Speaker 1>just honestly, it's been crazy. But aside from just the

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<v Speaker 1>health kind of like fear fear stuff, there's also the

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<v Speaker 1>financial stuff that's happening as a result. I mean, the

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<v Speaker 1>sky is literally falling when it comes to the market.

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<v Speaker 1>I'm like, I was looking today like, oh my goodness.

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<v Speaker 1>I mean, it's just crazy. I'm like, I don't know, I've.

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<v Speaker 2>Tried, I've looked, but I've kind of looked like, oh,

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<v Speaker 2>this is a moment in history and I'm just going

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<v Speaker 2>to see, you know what happening. I'm just looking at

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<v Speaker 2>the data. The data is like why did I even

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<v Speaker 2>bother saving in the past year. I mean, you know,

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<v Speaker 2>and for those of you, you know, the past few episodes,

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<v Speaker 2>we have been saying it's getting a lot harder to

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<v Speaker 2>do this, but we have saying, don't you know your

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<v Speaker 2>four to one k is like your face, don't touch it.

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<v Speaker 2>It's yeah, but the anxiety over not just you know,

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<v Speaker 2>your four to one k anymore, but it's like the

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<v Speaker 2>economy itself. People who are the small business owners who've

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<v Speaker 2>had to close down, you know, everyone from like my

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<v Speaker 2>hairdresser who just opened her salon a couple of years ago,

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<v Speaker 2>you know, canceling appointments, to the woman who was going

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<v Speaker 2>to paint my son's room having to cancel all her

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<v Speaker 2>clients this month. The bar owners and restaurants that are

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<v Speaker 2>having to be closed down, the people who work there, waitresses,

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<v Speaker 2>hostesses like you know that those type of gig economy

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<v Speaker 2>are like wage workers are really the ones who are

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<v Speaker 2>going to be floored by this whole situation. And I

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<v Speaker 2>think where the anxiety comes to is like where's the

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<v Speaker 2>leadership from the top, Yeah, you know, who's looking out

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<v Speaker 2>for these people? And you know, Trump has not necessarily

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<v Speaker 2>been a small business president. He's been a big business president.

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<v Speaker 2>And I feel like much in you know, in the

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<v Speaker 2>last recession, it was very much all about the big

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<v Speaker 2>banks getting the bailout. But there needs to be some

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<v Speaker 2>sort of bailout. Congress needs to work. I know they

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<v Speaker 2>canceled their recess and they came back this week, which

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<v Speaker 2>is good, but like it still feels like too much

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<v Speaker 2>politics and we need to create some sort of safety

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<v Speaker 2>net and tell people you're going to be okay, we're

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<v Speaker 2>going to make government work for you, and you know

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<v Speaker 2>your bills will be delayed or.

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<v Speaker 1>You won't have to make payments on stuff for a while.

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<v Speaker 2>There's been stories of oh sorry, real quick there. I

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<v Speaker 2>know there's a story of like a landlord who knew

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<v Speaker 2>that his tenants worked in the restaurant industry and said, Okay,

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<v Speaker 2>I'm going to cut your rent in half for the

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<v Speaker 2>next couple of months, which is so generous, but like,

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<v Speaker 2>we need something. We need a relief package from the

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<v Speaker 2>top for these people so that the panic and the

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<v Speaker 2>anxiety can lessen for those people.

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<v Speaker 1>I would love for us to just kind of explore,

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<v Speaker 1>like what does some of these things mean. So I'm

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<v Speaker 1>saying there's a lot which actually have shocked me. I

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<v Speaker 1>don't know if you've seen this, but on social people

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<v Speaker 1>are like, should I pull all my money out of

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<v Speaker 1>the bank. I'm like, what, No, I'm actually really shocked

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<v Speaker 1>that that's what a lot of like. Honestly, some young

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<v Speaker 1>people are thinking that, and I'm like, well, the last

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<v Speaker 1>time there was a huge run on the bank, so

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<v Speaker 1>it was the nineteen twenties, nineteen thirties, and that's why

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<v Speaker 1>they created the FDIIC. So you can have insurance up

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<v Speaker 1>to two hundred and fifty thousand dollars for your like

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<v Speaker 1>the amount of money that you have up to two

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<v Speaker 1>fifty meaning that if that bank were to go under,

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<v Speaker 1>the federal government will give you back your money up

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<v Speaker 1>to two hundred and fifty thousand, and if you have

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<v Speaker 1>a joint account, it doubles to five hundred thousand, and

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<v Speaker 1>you know, if you have more than that, you're certainly

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<v Speaker 1>welcome to say, you know what I actually have, you know,

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<v Speaker 1>six hundred thousand, So I'm going to put another one

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<v Speaker 1>hundred thousand in a different bank so I get coverage

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<v Speaker 1>that way. I can understand that. But pulling out your

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<v Speaker 1>money and putting it at home is probably one of

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<v Speaker 1>the worst things that you can do, or was sharing

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<v Speaker 1>you know that with I can't believe how many people

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<v Speaker 1>were really that, you know, that that was they thought

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<v Speaker 1>was a viable option. I'm like, don't do that, like,

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<v Speaker 1>you know, it's bad enough that you're you know, we're

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<v Speaker 1>not going to be earning much an interest, but now

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<v Speaker 1>you're guaranteeing you earn nothing. And the problem with money

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<v Speaker 1>that's not earning, it's actually losing because of something called inflation,

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<v Speaker 1>which is basically the devaluing of money over time, meaning

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<v Speaker 1>that your dollar can do less over time. Think about

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<v Speaker 1>how much candy used to be able to buy for

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<v Speaker 1>a dollar when you were a kid. Think about how

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<v Speaker 1>much candy you could buy now with that same dollar.

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<v Speaker 1>The candas to candies are saying, I used to love

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<v Speaker 1>sweetish fish, and it used to be like ten cents

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<v Speaker 1>for a sweetish fish, and now it's twenty five cents

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<v Speaker 1>for that same little pack, same sweedis fish, same size,

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<v Speaker 1>same dollar. So why is it that my dollar can

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<v Speaker 1>do less? I used to be able to buy ten,

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<v Speaker 1>Now I could buy four. That's inflation. So if your

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<v Speaker 1>money is actually not earning, it's by nature losing its

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<v Speaker 1>value due to inflation. So you don't want to pull

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<v Speaker 1>your money out of any little bit of earnings that

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<v Speaker 1>you could possibly But I will say, if you are

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<v Speaker 1>in retirement, or if you are in close to retirement,

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<v Speaker 1>like within five ten years, then I mean we're kind

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<v Speaker 1>of here now I don't even know about switching up now.

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<v Speaker 1>But if that's you really sitting there with your financial

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<v Speaker 1>planner advisor to talk about what should I do. Hopefully

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<v Speaker 1>they've reached out to you before now if you have one,

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<v Speaker 1>because some moves you know should have been made. But

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<v Speaker 1>if you have over ten years before you retire, so fifteen, twenty,

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<v Speaker 1>whatever you are going to be, I'm gonna use air

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<v Speaker 1>quotes fine in that the market is cyclical. Just ten

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<v Speaker 1>years ago we had the Great Recession and then we

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<v Speaker 1>had you know, last like what how many years of prosperity,

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<v Speaker 1>And that the market does is up down, down, down down,

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<v Speaker 1>up up, down, down down. So if you have over

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<v Speaker 1>ten years, you will see it go back up again,

0:10:51.400 --> 0:10:54.440
<v Speaker 1>and you should be fine. It's those people who have less,

0:10:54.520 --> 0:10:56.839
<v Speaker 1>or those people who are already in retirement, that I probably

0:10:56.840 --> 0:10:57.720
<v Speaker 1>worry about most.

0:10:58.679 --> 0:11:02.080
<v Speaker 2>I'm just and I hope people who are nearing retirement

0:11:02.160 --> 0:11:05.160
<v Speaker 2>were already de leveraging themselves, like taking themselves out of

0:11:05.160 --> 0:11:07.840
<v Speaker 2>the market. You know, I'm not gonna lie. I just

0:11:07.920 --> 0:11:10.559
<v Speaker 2>in real time have checked my four to one K

0:11:10.760 --> 0:11:13.160
<v Speaker 2>because today the market's rebounded a little bit. They are

0:11:13.240 --> 0:11:15.240
<v Speaker 2>up like four percent, which in any other day would

0:11:15.240 --> 0:11:17.160
<v Speaker 2>have been a huge gain. And I'm like, what does

0:11:17.200 --> 0:11:19.120
<v Speaker 2>four percent mean? Because I checked the other day in

0:11:19.160 --> 0:11:22.000
<v Speaker 2>my four when K was down seventeen percent. Y'all, my

0:11:22.200 --> 0:11:26.000
<v Speaker 2>return since January is down twenty six percent. I have

0:11:26.160 --> 0:11:29.760
<v Speaker 2>lost a fourth of my savings. Why am I not

0:11:29.800 --> 0:11:33.320
<v Speaker 2>doing anything? Though? Okay, because, like Tiffany said, I feel

0:11:33.360 --> 0:11:36.000
<v Speaker 2>like I am young, I feel like I have time

0:11:36.440 --> 0:11:39.520
<v Speaker 2>on my side. I have a bit of a hard

0:11:39.559 --> 0:11:42.960
<v Speaker 2>time like telling myself, Okay, for sure, you're gonna be okay,

0:11:42.960 --> 0:11:47.200
<v Speaker 2>because honestly, this is un This is unprecedented precedent, none

0:11:47.240 --> 0:11:50.800
<v Speaker 2>of us kind of It's an interesting experiment, is kind

0:11:50.800 --> 0:11:52.720
<v Speaker 2>of how I'm looking at it. How will the US

0:11:52.760 --> 0:11:54.719
<v Speaker 2>economy bounce back from this?

0:11:54.800 --> 0:11:55.760
<v Speaker 1>We're gonna really.

0:11:55.520 --> 0:11:58.160
<v Speaker 2>Need, I think, you know, the typical tools that our

0:11:58.200 --> 0:12:02.000
<v Speaker 2>government has used to, you know, protect from crises like this,

0:12:02.200 --> 0:12:04.600
<v Speaker 2>like the FED slashing interest rates as they have been

0:12:04.640 --> 0:12:07.200
<v Speaker 2>aren't necessarily working like they have in the past. So

0:12:07.600 --> 0:12:09.960
<v Speaker 2>it's going to be interesting to see how and when

0:12:10.000 --> 0:12:12.680
<v Speaker 2>and how soon we bounce back. But for now, I

0:12:12.920 --> 0:12:16.040
<v Speaker 2>am taking my own advice. I'm not touching anything. I'm

0:12:16.080 --> 0:12:19.280
<v Speaker 2>still contributing to my four O one K. I want

0:12:19.280 --> 0:12:21.640
<v Speaker 2>to believe that we'll find a way out of this.

0:12:22.120 --> 0:12:24.040
<v Speaker 2>The people who are thinking about taking your money out

0:12:24.040 --> 0:12:25.920
<v Speaker 2>of the bank, I mean at least in the bank.

0:12:25.960 --> 0:12:28.600
<v Speaker 2>Like Tiffany said, you have FDIC insurance. Your money is

0:12:28.679 --> 0:12:31.560
<v Speaker 2>protected up to two hundred fifty thousand dollars per account,

0:12:31.640 --> 0:12:34.400
<v Speaker 2>per institution. So putting it under your mattress is about

0:12:34.400 --> 0:12:37.320
<v Speaker 2>the dumbest thing you can possibly do. Someone please convince

0:12:37.360 --> 0:12:39.920
<v Speaker 2>my dad of this. I've been trying for twenty years now.

0:12:40.080 --> 0:12:40.640
<v Speaker 1>It's tough.

0:12:40.679 --> 0:12:43.600
<v Speaker 2>It's tough for me to see that loss, but I

0:12:43.640 --> 0:12:47.880
<v Speaker 2>also remember when I started to invest at twenty three,

0:12:48.040 --> 0:12:50.839
<v Speaker 2>twenty two years old, right at the recession kind of hit,

0:12:50.960 --> 0:12:54.720
<v Speaker 2>and I've seen the value and starting to invest at

0:12:54.760 --> 0:12:57.439
<v Speaker 2>a time when the markets were down, because as they

0:12:57.440 --> 0:12:59.800
<v Speaker 2>go back up, you know you've got a bigger share

0:12:59.840 --> 0:13:02.120
<v Speaker 2>than your money is going further. Today, it's sort of

0:13:02.200 --> 0:13:04.560
<v Speaker 2>like it's sort of like there's a clearance sale on

0:13:04.760 --> 0:13:06.679
<v Speaker 2>stock right now. If you look at it that way,

0:13:06.840 --> 0:13:11.040
<v Speaker 2>and if you invest now, the idea is that when

0:13:11.120 --> 0:13:14.040
<v Speaker 2>those stocks go back up, when those assets go back

0:13:14.120 --> 0:13:16.440
<v Speaker 2>up in value, you know, maybe you're able to buy

0:13:16.520 --> 0:13:19.480
<v Speaker 2>ten shares of whatever you're trying to invest in today,

0:13:19.880 --> 0:13:22.280
<v Speaker 2>but because things are on sale, but like last year,

0:13:22.320 --> 0:13:24.719
<v Speaker 2>you maybe could only afford one. You know, when that

0:13:24.840 --> 0:13:28.440
<v Speaker 2>asset or stock increases in value, You've got ten now,

0:13:28.480 --> 0:13:31.000
<v Speaker 2>so your growth is potentially ten times as great. Now,

0:13:31.080 --> 0:13:32.960
<v Speaker 2>this is all hypothetical. I have no idea if it's

0:13:33.000 --> 0:13:36.960
<v Speaker 2>actually going to happen, but I'm gonna be optimistic. I

0:13:37.080 --> 0:13:40.439
<v Speaker 2>have emergency savings, like I know Tiffany has as well.

0:13:40.760 --> 0:13:42.840
<v Speaker 2>I do have cash that's liquid that we can tap

0:13:42.880 --> 0:13:45.920
<v Speaker 2>into in some sort of crisis. So for me, I'm

0:13:46.000 --> 0:13:50.440
<v Speaker 2>fine with my four one K sitting there struggling strugs defunk,

0:13:51.440 --> 0:13:54.800
<v Speaker 2>and I just hope that it bounces back. I worry

0:13:54.840 --> 0:13:59.080
<v Speaker 2>more for the people who don't have just cash on hand,

0:13:59.320 --> 0:14:02.040
<v Speaker 2>you know. For this is you know, a situation like this,

0:14:02.559 --> 0:14:06.400
<v Speaker 2>and I'm curious to see what happens. It's like people

0:14:06.440 --> 0:14:08.680
<v Speaker 2>are not going to be spending like they used to

0:14:08.840 --> 0:14:12.960
<v Speaker 2>store grocery stores. Yes, are struggling to meet demand, but

0:14:12.960 --> 0:14:16.280
<v Speaker 2>people aren't out, you know, using and feeding the economy,

0:14:16.280 --> 0:14:18.600
<v Speaker 2>fueling it with their spending in the way that we

0:14:18.679 --> 0:14:22.240
<v Speaker 2>have been before. And girl, I have no freaking idea.

0:14:22.280 --> 0:14:24.040
<v Speaker 2>And if experts tell you they have an idea, no

0:14:24.040 --> 0:14:24.840
<v Speaker 2>one knows.

0:14:24.840 --> 0:14:26.760
<v Speaker 1>They don't, no one knows. So what we've been doing

0:14:26.840 --> 0:14:28.360
<v Speaker 1>is that. Like I was like, okay, what can I

0:14:28.400 --> 0:14:32.440
<v Speaker 1>do to be proactive? So I gathered my babe finance

0:14:32.520 --> 0:14:36.040
<v Speaker 1>folks and ask them this current week, if you're listening,

0:14:36.080 --> 0:14:38.000
<v Speaker 1>like when the show just comes out, even if you're not,

0:14:38.080 --> 0:14:40.520
<v Speaker 1>it'll still be available for replay. I asked them if

0:14:40.520 --> 0:14:44.520
<v Speaker 1>they could teach a class to their specialty for free,

0:14:44.760 --> 0:14:47.840
<v Speaker 1>no upselling, no nothing, just for free. And so last

0:14:47.880 --> 0:14:50.880
<v Speaker 1>night we had Tila talk about stocks, like how do

0:14:50.920 --> 0:14:53.720
<v Speaker 1>you buy stocks, you know when the market crashes, And

0:14:53.760 --> 0:14:56.920
<v Speaker 1>she talked about she's not buying stocks currently right now,

0:14:57.080 --> 0:14:59.600
<v Speaker 1>she's waiting, and she showed like how to look at

0:14:59.600 --> 0:15:03.160
<v Speaker 1>a stock chard and what to do, so she was amazing.

0:15:03.560 --> 0:15:06.640
<v Speaker 1>And then tonight I'm teaching how do you budget and

0:15:06.680 --> 0:15:11.640
<v Speaker 1>save during an economic downturn? And then on Wednesday, Sandy

0:15:11.720 --> 0:15:15.160
<v Speaker 1>is teaching how do you make money from home? So

0:15:15.240 --> 0:15:18.560
<v Speaker 1>I think that's critical. And then on Thursday, the final

0:15:18.600 --> 0:15:23.000
<v Speaker 1>class is Kara Stevens, the frugal Feminista. She's teaching how

0:15:23.040 --> 0:15:25.800
<v Speaker 1>do you because Kara does a lot of wellness, you know,

0:15:25.880 --> 0:15:29.840
<v Speaker 1>how do you manage your wellness and your money during

0:15:29.840 --> 0:15:32.280
<v Speaker 1>a crisis, because I think it's really important to end

0:15:32.320 --> 0:15:34.680
<v Speaker 1>with that component. There's a lot of anxiousness going out.

0:15:34.880 --> 0:15:37.840
<v Speaker 1>So all of that is happening on the budget Insta

0:15:37.880 --> 0:15:40.000
<v Speaker 1>Facebook page. The good thing is if you miss it

0:15:40.120 --> 0:15:43.400
<v Speaker 1>or whatever it will be, it's the replays are always

0:15:43.400 --> 0:15:45.400
<v Speaker 1>pinned to the top of the page, so you can

0:15:45.440 --> 0:15:48.600
<v Speaker 1>watch Tila's By the time you listen to this, mine

0:15:48.640 --> 0:15:50.960
<v Speaker 1>will have already gone out if you haven't joined already,

0:15:51.320 --> 0:15:53.520
<v Speaker 1>and if you just wanted to get like updates as

0:15:53.560 --> 0:15:54.840
<v Speaker 1>we do more, because I'm going to do more of

0:15:54.880 --> 0:15:57.560
<v Speaker 1>these with other experts, like I'm sure i'll have someone

0:15:57.600 --> 0:15:59.440
<v Speaker 1>how do you teach your kids at home? So I'm

0:15:59.480 --> 0:16:01.480
<v Speaker 1>just trying to do my part. But if you go

0:16:01.560 --> 0:16:04.920
<v Speaker 1>to a budget NISA goodies, so that's budget mestaya, y'all

0:16:04.920 --> 0:16:07.680
<v Speaker 1>should not spell that, but Goodies is g oo d

0:16:07.960 --> 0:16:11.520
<v Speaker 1>e s dot com. I'm just sending out notifications, reminders

0:16:11.520 --> 0:16:14.400
<v Speaker 1>and links to the free classes. So because people keep asking,

0:16:14.520 --> 0:16:16.720
<v Speaker 1>like on my social you know where and where? So

0:16:16.760 --> 0:16:18.640
<v Speaker 1>I'm like, you know what, it's just easy and if

0:16:18.640 --> 0:16:21.160
<v Speaker 1>that's just my email list, and what it is is

0:16:21.200 --> 0:16:25.160
<v Speaker 1>that I send out like hey, classes tonight at nine pm.

0:16:25.240 --> 0:16:29.080
<v Speaker 1>Here's the link to join. So, yeah, it's just you're right,

0:16:29.120 --> 0:16:32.360
<v Speaker 1>there is no answer. I will say, now is the

0:16:32.440 --> 0:16:35.680
<v Speaker 1>time to drop down and get your frugal on, girl,

0:16:35.880 --> 0:16:39.880
<v Speaker 1>like for real, like it's time to really. The biggest,

0:16:40.240 --> 0:16:43.120
<v Speaker 1>biggest regret that I had during the last recession is

0:16:43.120 --> 0:16:46.440
<v Speaker 1>that I didn't get frugal enough fast enough. And now

0:16:46.440 --> 0:16:48.560
<v Speaker 1>I'm not a big spender anyway. I think you like

0:16:48.640 --> 0:16:50.160
<v Speaker 1>y'all know that me and Mayor are not like these

0:16:50.160 --> 0:16:53.000
<v Speaker 1>big old spenders and we're pretty are like, you know,

0:16:53.080 --> 0:16:55.840
<v Speaker 1>it's pretty frugal already. But there were things that could

0:16:55.880 --> 0:16:59.080
<v Speaker 1>have done, that could have trimmed up a little faster.

0:16:59.240 --> 0:17:00.520
<v Speaker 1>And that was one of my big, I guess regrets

0:17:00.560 --> 0:17:02.400
<v Speaker 1>because I could have had a little more more money

0:17:02.720 --> 0:17:05.040
<v Speaker 1>to last me. I think I still had cable on

0:17:05.119 --> 0:17:06.640
<v Speaker 1>until like the last minute, and I was like, girl,

0:17:06.680 --> 0:17:08.240
<v Speaker 1>this was like two hundred bucks a month for the

0:17:08.359 --> 0:17:10.800
<v Speaker 1>last six months. You know that's a lot. That's twelve

0:17:10.880 --> 0:17:14.080
<v Speaker 1>hundred dollars you could have used, you know, so really

0:17:14.160 --> 0:17:18.679
<v Speaker 1>considering looking at your finances tonight and say what is

0:17:18.720 --> 0:17:22.320
<v Speaker 1>not a necessity and removing as much as you can

0:17:22.359 --> 0:17:24.199
<v Speaker 1>while still being able to maintain a decent, like you know,

0:17:24.359 --> 0:17:28.199
<v Speaker 1>standard of living, but having access to cash and savings

0:17:28.600 --> 0:17:32.479
<v Speaker 1>is really going to be ideal right now, because you

0:17:32.560 --> 0:17:36.119
<v Speaker 1>don't know. I thought that when during the last recession

0:17:36.160 --> 0:17:37.879
<v Speaker 1>two thousand and nine, I thought as a teacher, I

0:17:37.920 --> 0:17:40.480
<v Speaker 1>could not lose my job because teachers didn't lose jobs,

0:17:40.760 --> 0:17:43.920
<v Speaker 1>and then I did and I wasn't really prepared. This time,

0:17:43.960 --> 0:17:48.159
<v Speaker 1>I am prepared because I know anything can happen, like

0:17:48.280 --> 0:17:52.240
<v Speaker 1>despite that, like you know that my business does well

0:17:52.280 --> 0:17:54.840
<v Speaker 1>in financial kind of turmoil because people are looking for

0:17:55.320 --> 0:17:58.280
<v Speaker 1>answer that there's no guarantee that the budget needs to

0:17:58.320 --> 0:18:00.520
<v Speaker 1>will still be here. So I'm really conscious the fact that,

0:18:00.600 --> 0:18:03.439
<v Speaker 1>like what do I do if if, like you know,

0:18:03.680 --> 0:18:06.239
<v Speaker 1>the business tanks and like what does that look like

0:18:06.400 --> 0:18:10.879
<v Speaker 1>for me and my family? So living frugally, saving as

0:18:10.960 --> 0:18:12.919
<v Speaker 1>much as you can. I honestly I see people are

0:18:12.960 --> 0:18:15.320
<v Speaker 1>going hard with paying off their debt. Normally, I'm like, yes,

0:18:15.440 --> 0:18:18.879
<v Speaker 1>go hard. I wouldn't right now that extra money you

0:18:18.920 --> 0:18:21.160
<v Speaker 1>need to be setting inside for yourself to pay bills

0:18:21.160 --> 0:18:23.400
<v Speaker 1>in the future. I would not be putting like I'm

0:18:23.440 --> 0:18:25.320
<v Speaker 1>normally me and men are normally like, go hard with

0:18:25.359 --> 0:18:28.720
<v Speaker 1>your debt. I would not be giving my debt double

0:18:28.760 --> 0:18:30.800
<v Speaker 1>and triple. If that's what you've been doing, I would

0:18:30.840 --> 0:18:33.520
<v Speaker 1>be preserving capital and making sure I had enough money

0:18:33.640 --> 0:18:37.280
<v Speaker 1>to last me. Should your income decrease or be eliminated

0:18:37.280 --> 0:18:39.639
<v Speaker 1>in the next couple of months, now's really time to

0:18:39.720 --> 0:18:40.200
<v Speaker 1>hunker down.

0:18:40.280 --> 0:18:43.600
<v Speaker 2>Quite honestly, no, I completely agree, and let's take let's

0:18:43.600 --> 0:18:45.080
<v Speaker 2>take a quick break, and I kind of want to

0:18:45.080 --> 0:18:47.399
<v Speaker 2>do this show a little bit differently because we have

0:18:47.480 --> 0:18:50.280
<v Speaker 2>been getting questions which are pretty much along those lines,

0:18:50.320 --> 0:18:51.920
<v Speaker 2>you know, what should we be doing. And of course

0:18:51.920 --> 0:18:53.639
<v Speaker 2>Tiffany and I have been focusing a little bit on

0:18:53.960 --> 0:18:56.960
<v Speaker 2>mostly on your four one K and investments the past

0:18:57.080 --> 0:18:59.399
<v Speaker 2>couple of shows. But let's talk about like kitchen table

0:18:59.480 --> 0:19:02.199
<v Speaker 2>finances and how you can talk about this as a

0:19:02.240 --> 0:19:04.880
<v Speaker 2>family and plan ahead for whatever there is to come.

0:19:05.000 --> 0:19:06.280
<v Speaker 2>So you want to take a quick break and we'll

0:19:06.320 --> 0:19:09.360
<v Speaker 2>come back and do a quick we can just continue

0:19:10.080 --> 0:19:12.840
<v Speaker 2>talking about, you know, families and how you can be

0:19:13.040 --> 0:19:15.720
<v Speaker 2>doing this, and I'll share how we've been handling in

0:19:15.800 --> 0:19:50.600
<v Speaker 2>my household as well. Okay, all right, we are back.

0:19:50.640 --> 0:19:54.000
<v Speaker 2>So we were talking about, you know, Tiffany, very very wisely,

0:19:54.280 --> 0:19:57.720
<v Speaker 2>like us, the budget needs to or something is talking

0:19:57.720 --> 0:20:00.399
<v Speaker 2>about like people who people need to hear this. It

0:20:00.480 --> 0:20:04.680
<v Speaker 2>is time to resist the temptation. You know what's funny,

0:20:04.760 --> 0:20:07.280
<v Speaker 2>I can tell that retailers are trying to take advantage

0:20:07.359 --> 0:20:09.040
<v Speaker 2>of the folks sitting at home, bored out of their

0:20:09.119 --> 0:20:11.119
<v Speaker 2>vimes because I have gotten so many alerts. H and

0:20:11.280 --> 0:20:14.600
<v Speaker 2>M's having a sale. Bye Bye Baby sent me a coupon,

0:20:14.840 --> 0:20:17.640
<v Speaker 2>Bert's Baby sent me something like. It seems like these

0:20:17.680 --> 0:20:20.320
<v Speaker 2>businesses are like, oh, you're at home, you bored, you

0:20:20.359 --> 0:20:23.080
<v Speaker 2>want to buy something. And I am really trying to

0:20:23.119 --> 0:20:26.720
<v Speaker 2>resist because, like Tiffany said, yes, I have savings and

0:20:26.760 --> 0:20:30.160
<v Speaker 2>I do feel prepared. But you know, even my job

0:20:30.160 --> 0:20:33.280
<v Speaker 2>in the financial sector, anything could happen. You know, if

0:20:33.320 --> 0:20:36.240
<v Speaker 2>people you know and I have always been in that position,

0:20:36.359 --> 0:20:39.080
<v Speaker 2>we all are. Look at the folks who work for airlines.

0:20:39.119 --> 0:20:43.080
<v Speaker 2>You know, airlines are already having layoffs because of what's happening. So,

0:20:43.480 --> 0:20:46.840
<v Speaker 2>you know, without creating another sort of panic, let's talk

0:20:46.880 --> 0:20:50.080
<v Speaker 2>about looking at your budget today and looking at what

0:20:50.119 --> 0:20:53.080
<v Speaker 2>you can cut back on. So personally, my husband and I,

0:20:53.400 --> 0:20:55.040
<v Speaker 2>he didn't really want to do it, but of course

0:20:55.119 --> 0:20:57.800
<v Speaker 2>I kind of forced him to sat down and we

0:20:57.880 --> 0:20:59.840
<v Speaker 2>looked at our finances. You know, what do we have

0:21:00.000 --> 0:21:02.560
<v Speaker 2>coming in, and what are our expenses like right now,

0:21:02.560 --> 0:21:04.879
<v Speaker 2>and what can we start thinking about might be on

0:21:04.920 --> 0:21:08.000
<v Speaker 2>the chopping block cable, Well, certainly one of them are

0:21:08.119 --> 0:21:10.960
<v Speaker 2>eating out budget, thank goodness. You know we're naturally not

0:21:11.000 --> 0:21:13.440
<v Speaker 2>going to be using that anymore. So I was trying

0:21:13.480 --> 0:21:15.960
<v Speaker 2>to find money in our budget to start putting more

0:21:16.080 --> 0:21:20.280
<v Speaker 2>into our emergency savings account. And we don't have a

0:21:20.320 --> 0:21:22.400
<v Speaker 2>ton of debt right now. We have like a low

0:21:22.440 --> 0:21:25.800
<v Speaker 2>we have a zero interest loans still we're paying off relating.

0:21:25.440 --> 0:21:25.960
<v Speaker 1>To the house.

0:21:26.359 --> 0:21:29.600
<v Speaker 2>But like Tiff said, like if you have loans out there,

0:21:29.640 --> 0:21:31.200
<v Speaker 2>I would you know, what do you think, like make

0:21:31.240 --> 0:21:35.800
<v Speaker 2>your minimum payments, but maybe don't aggret, like try rethinking

0:21:36.000 --> 0:21:39.040
<v Speaker 2>potentially aggressively paying them down and keeping that money in

0:21:39.080 --> 0:21:42.600
<v Speaker 2>savings until things kind of level out and we have

0:21:42.720 --> 0:21:45.760
<v Speaker 2>some you know, some more certainty and how things are

0:21:45.800 --> 0:21:46.640
<v Speaker 2>working out right now.

0:21:47.960 --> 0:21:48.760
<v Speaker 1>Yeah, paying off.

0:21:48.640 --> 0:21:51.240
<v Speaker 2>Debt, I mean it's good, but again, you want to

0:21:51.280 --> 0:21:53.919
<v Speaker 2>have more liquidity. You want to have cash in case

0:21:54.080 --> 0:21:57.960
<v Speaker 2>in case things don't get better quickly. You know, it

0:21:58.000 --> 0:22:00.720
<v Speaker 2>could be a couple more months of this insanity. We

0:22:00.880 --> 0:22:03.560
<v Speaker 2>just don't know, and you want to have that cash

0:22:03.600 --> 0:22:04.440
<v Speaker 2>on hand.

0:22:04.800 --> 0:22:07.560
<v Speaker 1>Exactly that's I think that that was my biggest like,

0:22:07.640 --> 0:22:09.840
<v Speaker 1>oh if I knowing what I know. I used to

0:22:09.880 --> 0:22:12.720
<v Speaker 1>literally like as I was sleeping in my middle school

0:22:12.720 --> 0:22:14.680
<v Speaker 1>bed at home with my parents, I would like mentally

0:22:14.720 --> 0:22:17.359
<v Speaker 1>add up all of the bs that I had bought

0:22:17.400 --> 0:22:20.439
<v Speaker 1>the year before. Like if I would have added not

0:22:20.640 --> 0:22:22.320
<v Speaker 1>pay for this and I would have cut that off,

0:22:22.359 --> 0:22:25.359
<v Speaker 1>I would have had this additional money right here, right now.

0:22:25.840 --> 0:22:27.879
<v Speaker 1>So and the thing is, you know, we had clues.

0:22:27.920 --> 0:22:31.000
<v Speaker 1>It wasn't like I needed a crystal ball. It was like, oh,

0:22:31.040 --> 0:22:33.360
<v Speaker 1>we're here now, But I didn't. I didn't, like I said,

0:22:33.400 --> 0:22:34.800
<v Speaker 1>I mean, I make a joke of it, like drop

0:22:34.840 --> 0:22:37.000
<v Speaker 1>down to get your frugal on. As soon as like

0:22:37.040 --> 0:22:39.840
<v Speaker 1>we're here now, you should be making this decision tonight

0:22:39.920 --> 0:22:42.679
<v Speaker 1>like hey bay, hey, hey self, what are we going

0:22:42.720 --> 0:22:45.439
<v Speaker 1>to cut out tonight? So that was like, you know

0:22:45.520 --> 0:22:50.199
<v Speaker 1>that that's a huge component also too if you do

0:22:50.480 --> 0:22:54.480
<v Speaker 1>have income, like I'm looking to get a little bit

0:22:54.520 --> 0:22:57.719
<v Speaker 1>more liquid. So I said to myself, you know what,

0:22:57.800 --> 0:23:00.240
<v Speaker 1>I this is the opportunity for those who are in

0:23:00.280 --> 0:23:03.679
<v Speaker 1>a solid position, those are this is the opportunity for

0:23:03.720 --> 0:23:07.200
<v Speaker 1>me to invest more heavily when like the market finally

0:23:07.280 --> 0:23:10.239
<v Speaker 1>starts stops dropping. It's a little more stable. Y'all know

0:23:10.280 --> 0:23:12.280
<v Speaker 1>that I purchased the house my husband. I purchased this

0:23:12.320 --> 0:23:15.359
<v Speaker 1>house and we paid for it cash, and so that

0:23:15.400 --> 0:23:17.040
<v Speaker 1>means we don't have a mortgage. But I'm going to

0:23:17.080 --> 0:23:21.680
<v Speaker 1>pull out some of the money from the house to

0:23:21.800 --> 0:23:25.520
<v Speaker 1>set aside to potentially invest alongside with my financial plan.

0:23:25.600 --> 0:23:27.879
<v Speaker 1>And we talked about it, because what that means is like,

0:23:27.960 --> 0:23:31.359
<v Speaker 1>you know, you have a unique opportunity when things go

0:23:31.520 --> 0:23:35.080
<v Speaker 1>really low, for when they go back to normal, to

0:23:35.119 --> 0:23:37.960
<v Speaker 1>be able to get certain investment investments pennies on the dollar.

0:23:38.080 --> 0:23:42.760
<v Speaker 1>Like for example, in two thousand and in ten, my

0:23:43.040 --> 0:23:45.120
<v Speaker 1>house that I bought my condos that about for two

0:23:45.119 --> 0:23:49.320
<v Speaker 1>twenty was sold for one fifty. So the condo was

0:23:49.359 --> 0:23:51.800
<v Speaker 1>not worth one fifty. It was because of the times

0:23:51.840 --> 0:23:54.639
<v Speaker 1>we were in it was procession, and so that person

0:23:54.640 --> 0:23:56.480
<v Speaker 1>bought it for one fifty and then five years later

0:23:56.520 --> 0:23:59.160
<v Speaker 1>it went back up to two hundred thousand, so they

0:23:59.200 --> 0:24:02.840
<v Speaker 1>bought and they were able to say, woo, I made

0:24:02.880 --> 0:24:05.320
<v Speaker 1>a fifty thousand dollar profit. So I want to put

0:24:05.359 --> 0:24:07.640
<v Speaker 1>position myself and my family to be able to do that.

0:24:07.880 --> 0:24:11.800
<v Speaker 1>Now that's only people are wanting to invest but you

0:24:11.800 --> 0:24:14.320
<v Speaker 1>don't have an emergency savings. You want to make sure

0:24:14.359 --> 0:24:19.520
<v Speaker 1>that you shouldn't be putting necessity money toward risky investments.

0:24:19.680 --> 0:24:21.160
<v Speaker 1>I mean, we're not I'm not going to make risky

0:24:21.160 --> 0:24:23.080
<v Speaker 1>investments anyway, but do you know what I mean? Like,

0:24:23.119 --> 0:24:25.960
<v Speaker 1>it's not like I because I feel like I'm not

0:24:25.960 --> 0:24:28.280
<v Speaker 1>gonna lie. This is a bad habit that I have

0:24:28.359 --> 0:24:30.600
<v Speaker 1>that I've been positioning myself like I always work from

0:24:30.640 --> 0:24:32.320
<v Speaker 1>a place of fear when it comes to my finances

0:24:32.320 --> 0:24:34.800
<v Speaker 1>because the recession totally jacked me up. So I've been like,

0:24:34.920 --> 0:24:36.399
<v Speaker 1>I feel like I've been prepared for this day, like

0:24:36.440 --> 0:24:39.960
<v Speaker 1>I have my zombie bunker. I'm like, what all the

0:24:40.000 --> 0:24:42.920
<v Speaker 1>bad habits that I have about stashing too much cash,

0:24:43.200 --> 0:24:45.879
<v Speaker 1>about buying everything in cash, the things that normally are

0:24:45.880 --> 0:24:49.119
<v Speaker 1>and honestly not the greatest in a recession. I'm like,

0:24:49.160 --> 0:24:53.760
<v Speaker 1>oh yeah.

0:24:51.920 --> 0:24:55.440
<v Speaker 2>The system moment I was raped, everything is going to share.

0:24:55.880 --> 0:24:57.640
<v Speaker 1>That's like my mom, who's a nurse. Oh my god.

0:24:58.000 --> 0:25:00.240
<v Speaker 1>I'm like, Okay, Sylvia, we get it. O. I told

0:25:00.320 --> 0:25:03.760
<v Speaker 1>you guys, washing your hands. I never she this is

0:25:03.760 --> 0:25:06.840
<v Speaker 1>her time to shine. Boy, she is ready, and so

0:25:06.920 --> 0:25:11.240
<v Speaker 1>I feel like paranoia. Tiffany this was the moment, but honestly,

0:25:11.280 --> 0:25:13.680
<v Speaker 1>it wasn't good when we had, like you know, our

0:25:13.720 --> 0:25:16.159
<v Speaker 1>prosperity times. But I'm just sharing that to say that,

0:25:16.240 --> 0:25:19.320
<v Speaker 1>like that's the key. Now save safe, save keep as

0:25:19.359 --> 0:25:22.040
<v Speaker 1>much of your money as you can. If you are

0:25:22.080 --> 0:25:25.720
<v Speaker 1>in a pretty decent spot, considering getting a little bit

0:25:25.720 --> 0:25:28.919
<v Speaker 1>more liquid if you can, so you can, you know,

0:25:29.040 --> 0:25:31.879
<v Speaker 1>invest in the market, real estate, whatever is going to

0:25:31.920 --> 0:25:33.520
<v Speaker 1>be the thing that you could get pennies on the

0:25:33.520 --> 0:25:36.399
<v Speaker 1>dollar because those opportunities are coming. Some of them have

0:25:36.480 --> 0:25:40.879
<v Speaker 1>already come. Like for example, there's some stock and I

0:25:40.920 --> 0:25:42.200
<v Speaker 1>won't say well, because I don't want you to be

0:25:42.280 --> 0:25:44.080
<v Speaker 1>like I want to go buy it. There's some stock

0:25:44.119 --> 0:25:46.800
<v Speaker 1>where I noticed that, like huh last year. The stock

0:25:46.880 --> 0:25:48.960
<v Speaker 1>was because I follow certain stock on my on my

0:25:49.600 --> 0:25:51.399
<v Speaker 1>robinhood app and I was like, oh, this stock is

0:25:51.400 --> 0:25:53.840
<v Speaker 1>pretty strong, and I was considering investing because I saw

0:25:53.880 --> 0:25:56.200
<v Speaker 1>it was on the way up. It dropped nearly half,

0:25:56.600 --> 0:26:00.639
<v Speaker 1>but I know that it dropped because of the current coronavirus,

0:26:00.680 --> 0:26:02.560
<v Speaker 1>not because it's not a strong company. Because I've been

0:26:02.600 --> 0:26:05.520
<v Speaker 1>following that company for a while, So that might be

0:26:05.600 --> 0:26:08.679
<v Speaker 1>stocked that I would invest some money in because I

0:26:08.800 --> 0:26:12.480
<v Speaker 1>know that it's a value company that just happens to

0:26:12.480 --> 0:26:15.199
<v Speaker 1>be undervalued right now because of the times we live in.

0:26:15.400 --> 0:26:18.160
<v Speaker 1>But I'm still watching to see and so it's things

0:26:18.200 --> 0:26:21.080
<v Speaker 1>like that. But that is for like I said, that

0:26:21.240 --> 0:26:24.120
<v Speaker 1>is for folks who are already in a decent place

0:26:24.200 --> 0:26:27.399
<v Speaker 1>with their budget and their savings if you don't know

0:26:27.400 --> 0:26:29.360
<v Speaker 1>what to do when it comes to stock. Like Teala's

0:26:29.400 --> 0:26:33.439
<v Speaker 1>free class yesterday was perfect. It was great. Teala's pretty conservative.

0:26:33.760 --> 0:26:35.679
<v Speaker 1>You know, she didn't give like any stock tips. It

0:26:35.720 --> 0:26:38.440
<v Speaker 1>wasn't about that. She really talked about when to buy,

0:26:38.880 --> 0:26:42.080
<v Speaker 1>what platform to use, how do you know that a stock?

0:26:42.240 --> 0:26:44.199
<v Speaker 1>How does she even pick her stock? So it was

0:26:44.240 --> 0:26:45.840
<v Speaker 1>just a really great free class. Like I said, it's

0:26:45.920 --> 0:26:48.760
<v Speaker 1>on the budget needs to Facebook page. You could take

0:26:48.760 --> 0:26:50.800
<v Speaker 1>a look and watch, and she just gave so much

0:26:50.800 --> 0:26:54.240
<v Speaker 1>free value and even she gave us like this free

0:26:54.520 --> 0:26:57.160
<v Speaker 1>link to a tutorial where if you want to learn

0:26:57.200 --> 0:26:59.520
<v Speaker 1>how to read a stock chart, Tila has this free

0:26:59.560 --> 0:27:01.679
<v Speaker 1>tutorial how to do. So what I love is that

0:27:01.720 --> 0:27:03.919
<v Speaker 1>so many people are just stepping up and using their

0:27:03.960 --> 0:27:06.240
<v Speaker 1>gifts and talents and service to others. So it's just

0:27:06.280 --> 0:27:08.000
<v Speaker 1>been that part has been amazing.

0:27:08.280 --> 0:27:10.040
<v Speaker 2>I'm definitely gonna post a link in the show notes

0:27:10.080 --> 0:27:12.639
<v Speaker 2>to the Budgeonese to Facebook page. That sounds awesome. And

0:27:12.720 --> 0:27:15.400
<v Speaker 2>speaking of stepping up, do you want to do Brown

0:27:15.440 --> 0:27:17.920
<v Speaker 2>Boost Brown Break? I know, yeah, maybe it's a shorter show,

0:27:18.240 --> 0:27:20.920
<v Speaker 2>but yeah, let's let's segue over because I have something

0:27:21.280 --> 0:27:23.480
<v Speaker 2>in that vein to talk about from my boost.

0:27:23.640 --> 0:27:26.920
<v Speaker 1>Okay, so it's time to boost a break. I feel like, honestly,

0:27:26.920 --> 0:27:28.239
<v Speaker 1>I don't want us to break for a little walk.

0:27:28.240 --> 0:27:32.320
<v Speaker 1>Something we got not break it. So are you gonna

0:27:32.320 --> 0:27:34.080
<v Speaker 1>boost manager or are you gonna be break?

0:27:34.800 --> 0:27:38.119
<v Speaker 2>I'll do a boost. I have to say, I'm going

0:27:38.200 --> 0:27:40.520
<v Speaker 2>to do a two boosts real quick. So I work

0:27:40.560 --> 0:27:42.920
<v Speaker 2>with a team where most of half of my team

0:27:43.000 --> 0:27:46.280
<v Speaker 2>is remote anyway, but then the other half of us

0:27:46.320 --> 0:27:49.159
<v Speaker 2>who work in offices. Last week we went fully remote

0:27:49.400 --> 0:27:51.720
<v Speaker 2>just to be on the safe side. And I have

0:27:51.840 --> 0:27:54.280
<v Speaker 2>to say, I just it came to me Friday. It

0:27:54.400 --> 0:27:57.240
<v Speaker 2>was a really weird week. I was talking with people

0:27:57.320 --> 0:27:59.720
<v Speaker 2>on Slack and doing zoom calls and it just felt

0:27:59.720 --> 0:28:03.159
<v Speaker 2>like everyone was really anxious. And I talked to my

0:28:03.320 --> 0:28:04.919
<v Speaker 2>number two and I said, you know, do you think

0:28:05.000 --> 0:28:06.719
<v Speaker 2>it would be a good idea for us to just

0:28:06.800 --> 0:28:09.000
<v Speaker 2>have one big zoom call, like just call it a

0:28:09.040 --> 0:28:12.399
<v Speaker 2>happy hour optional half an hour on Friday afternoon at

0:28:12.440 --> 0:28:14.159
<v Speaker 2>four pm, Like, why don't we just give people a

0:28:14.240 --> 0:28:15.240
<v Speaker 2>chance to come and vent?

0:28:15.359 --> 0:28:17.080
<v Speaker 1>And it ended up being the.

0:28:16.920 --> 0:28:21.440
<v Speaker 2>Most cathartic, really like time to spend with my team

0:28:21.520 --> 0:28:24.480
<v Speaker 2>and just acknowledge that they're humans and to see their

0:28:24.520 --> 0:28:26.840
<v Speaker 2>puppies and to see their kids in the background making

0:28:26.880 --> 0:28:29.800
<v Speaker 2>noise because schools have closed and has left them with

0:28:29.840 --> 0:28:33.479
<v Speaker 2>no childcare. And all I've gotten back from people is

0:28:33.560 --> 0:28:35.840
<v Speaker 2>just gratitude for taking the time to do that.

0:28:36.000 --> 0:28:36.800
<v Speaker 1>So I encourage you.

0:28:36.840 --> 0:28:39.800
<v Speaker 2>If you guys are working remotely now and you're feeling

0:28:39.840 --> 0:28:42.840
<v Speaker 2>like disconnected or isolated from your you know, your work

0:28:42.920 --> 0:28:45.959
<v Speaker 2>family because you see these people all the time, I

0:28:46.000 --> 0:28:48.760
<v Speaker 2>hope that you consider doing something like that because I

0:28:48.800 --> 0:28:52.000
<v Speaker 2>really feel like it benefited people to just talk and

0:28:52.200 --> 0:28:56.080
<v Speaker 2>just you know, acknowledge that we're all stressed the hell

0:28:56.120 --> 0:28:58.600
<v Speaker 2>out and we're all you know, in line at Costco

0:28:58.720 --> 0:29:02.360
<v Speaker 2>like everybody else and trying to figure out you know,

0:29:02.520 --> 0:29:05.760
<v Speaker 2>childcare and things like that. So a boost for that

0:29:06.080 --> 0:29:09.280
<v Speaker 2>and an encouragement to those of you working online ask

0:29:09.360 --> 0:29:11.160
<v Speaker 2>for that if you feel like you know you can't

0:29:11.160 --> 0:29:14.080
<v Speaker 2>host it yourself, or consider hosting an online happy hour yourself,

0:29:14.160 --> 0:29:17.840
<v Speaker 2>just to be connected. My other boost was just to

0:29:18.000 --> 0:29:19.160
<v Speaker 2>encourage people to check.

0:29:19.000 --> 0:29:19.840
<v Speaker 1>In on your neighbors.

0:29:21.120 --> 0:29:23.640
<v Speaker 2>We're in a neighborhood, but my block is kind of short,

0:29:23.680 --> 0:29:25.960
<v Speaker 2>and I know everybody on the block and it's sort

0:29:25.960 --> 0:29:29.040
<v Speaker 2>of sesame street style, But we have been doing our

0:29:29.160 --> 0:29:32.000
<v Speaker 2>daily walks and just so we have FaceTime with neighbors

0:29:32.080 --> 0:29:35.280
<v Speaker 2>and we keep our distance. But you know, I left

0:29:35.320 --> 0:29:38.120
<v Speaker 2>a note from my elderly neighbor Rosemary, who I know

0:29:38.320 --> 0:29:40.920
<v Speaker 2>is probably in her late eighties early nineties, lives on

0:29:40.960 --> 0:29:43.480
<v Speaker 2>her own. Left her note just with our phone number

0:29:43.520 --> 0:29:46.120
<v Speaker 2>if she needs anything to let us know. And I

0:29:46.160 --> 0:29:48.720
<v Speaker 2>saw my other neighbor Joe, checking in on Rosemary too,

0:29:49.200 --> 0:29:52.959
<v Speaker 2>And I feel a really nice sense of camaraderie with

0:29:53.000 --> 0:29:55.160
<v Speaker 2>our neighbors right now, like people will check in on

0:29:55.280 --> 0:29:57.560
<v Speaker 2>us and we'll check in on each other. And I

0:29:57.720 --> 0:30:00.680
<v Speaker 2>feel that's helped me with the anxiety around the situation,

0:30:00.840 --> 0:30:04.880
<v Speaker 2>because you know, I can't cure coronavirus, I can't solve

0:30:04.920 --> 0:30:07.600
<v Speaker 2>the economic crisis that we're in right now, but I

0:30:07.640 --> 0:30:10.720
<v Speaker 2>can check in on my neighbors, and those stories have

0:30:10.800 --> 0:30:13.680
<v Speaker 2>been trickling in with the other kind of headlines in

0:30:13.720 --> 0:30:16.600
<v Speaker 2>the media right now. But just try and embrace your

0:30:16.640 --> 0:30:20.000
<v Speaker 2>neighbors and be a good neighbor yourself, and and hopefully

0:30:20.000 --> 0:30:21.760
<v Speaker 2>we can just get through this together.

0:30:22.240 --> 0:30:28.320
<v Speaker 1>Now. I love that. So my boost is the Bordigas.

0:30:28.920 --> 0:30:32.000
<v Speaker 2>So you know, my husband's dad owns the book.

0:30:32.280 --> 0:30:35.560
<v Speaker 1>I don't know that. Well, he's a princess. Yeah, well

0:30:35.600 --> 0:30:41.480
<v Speaker 1>tell him, I said, ola signor graassias pour two. I

0:30:41.520 --> 0:30:44.840
<v Speaker 1>don't know anyway. So here's why. So yesterday I called

0:30:44.840 --> 0:30:47.080
<v Speaker 1>my sister, the one that lives Biby with the two

0:30:47.120 --> 0:30:49.160
<v Speaker 1>little ones. I said, are you good. She's like, yeah, girl,

0:30:49.160 --> 0:30:51.800
<v Speaker 1>but you know this whole toilet paper situation. She's got

0:30:51.840 --> 0:30:54.320
<v Speaker 1>two party training kids, so you already know. And she

0:30:54.480 --> 0:30:56.720
<v Speaker 1>was like, you know, I didn't. I had normal toilet

0:30:56.880 --> 0:30:59.800
<v Speaker 1>paper of stock, you know, but everyone's it's sold out

0:30:59.800 --> 0:31:02.920
<v Speaker 1>every where. I'm not sure what to do. And I

0:31:02.920 --> 0:31:05.960
<v Speaker 1>saw someone post, girl, you better hit up some of

0:31:06.040 --> 0:31:09.000
<v Speaker 1>these neighborhood stores that a lot of them have great stock,

0:31:09.360 --> 0:31:10.840
<v Speaker 1>and so I said, you know what, I So I

0:31:10.920 --> 0:31:13.120
<v Speaker 1>went and I just kind of like drove around Newark

0:31:13.200 --> 0:31:15.640
<v Speaker 1>and the first kind of like corner bodega store, I

0:31:15.720 --> 0:31:18.160
<v Speaker 1>went in and they had toilet paper piled up to

0:31:18.200 --> 0:31:20.680
<v Speaker 1>the ceiling, and I bought like, you know, like two

0:31:20.840 --> 0:31:23.880
<v Speaker 1>packs to like I think, like two eight packs. And

0:31:23.920 --> 0:31:25.720
<v Speaker 1>then I was curious that I went like around the

0:31:25.720 --> 0:31:29.800
<v Speaker 1>corner there was another local neighborhood store, bodega. You know,

0:31:29.800 --> 0:31:31.240
<v Speaker 1>they were playing like I don't know if it was

0:31:31.240 --> 0:31:33.720
<v Speaker 1>Dominican music, but they were getting it in. Like then

0:31:33.920 --> 0:31:37.320
<v Speaker 1>I was like, okay, and they had but it was

0:31:37.400 --> 0:31:39.200
<v Speaker 1>just like a vibe and they had all the things.

0:31:39.200 --> 0:31:42.640
<v Speaker 1>They had cases of water, they had you know, toilet

0:31:42.640 --> 0:31:44.680
<v Speaker 1>tissue as well. So I didn't buy anything from there

0:31:44.680 --> 0:31:46.560
<v Speaker 1>because I was all good, but I went to four

0:31:46.600 --> 0:31:49.440
<v Speaker 1>stores just to look, and I posted on like my

0:31:49.440 --> 0:31:52.040
<v Speaker 1>my ig stories and I said, wow, like I think

0:31:52.120 --> 0:31:55.680
<v Speaker 1>it's an underutilized place, not for the people who lived there,

0:31:55.720 --> 0:31:57.600
<v Speaker 1>but for people who are like racing off to these

0:31:57.600 --> 0:32:00.760
<v Speaker 1>big stores that depending on where you live, if you

0:32:00.880 --> 0:32:06.840
<v Speaker 1>have a local neighborhood store, bodega or otherwise, it's a

0:32:06.880 --> 0:32:09.719
<v Speaker 1>potential place where where every place else is sold out,

0:32:09.760 --> 0:32:11.760
<v Speaker 1>they have plenty of things. And when I tell you

0:32:11.800 --> 0:32:14.240
<v Speaker 1>it was so chill, people were in there like buying

0:32:14.280 --> 0:32:16.280
<v Speaker 1>like a lollipops. I'm like, no, so you're not gonna

0:32:16.280 --> 0:32:20.280
<v Speaker 1>buy a water. People were coming in for like you know,

0:32:20.440 --> 0:32:23.360
<v Speaker 1>like like it was just a number, like a regular

0:32:23.480 --> 0:32:26.080
<v Speaker 1>ordinary day and just getting like small little things. So

0:32:26.520 --> 0:32:28.200
<v Speaker 1>but like I said, it was you know, I was

0:32:28.240 --> 0:32:32.200
<v Speaker 1>grateful for that, knowing that like my local like neighborhood

0:32:32.240 --> 0:32:35.240
<v Speaker 1>stores had plenty of stock, and so I said, idn't.

0:32:35.240 --> 0:32:36.960
<v Speaker 1>I didn't want to overdo. I just got her enough

0:32:37.000 --> 0:32:39.120
<v Speaker 1>that she should be fine for two or three weeks,

0:32:39.360 --> 0:32:40.960
<v Speaker 1>so I wanted to save some for other people in

0:32:41.040 --> 0:32:43.440
<v Speaker 1>case it gets to that point. But it was nice

0:32:43.440 --> 0:32:45.920
<v Speaker 1>to see that there wasn't this sense of panic and

0:32:45.960 --> 0:32:47.760
<v Speaker 1>there was plenty, plenty, plenty.

0:32:48.600 --> 0:32:51.880
<v Speaker 2>Oh I love it. Support your local small business, small

0:32:51.920 --> 0:32:53.160
<v Speaker 2>store owner, for sure.

0:32:53.880 --> 0:32:54.240
<v Speaker 1>I love that.

0:32:54.360 --> 0:32:54.440
<v Speaker 2>Ye.

0:32:55.560 --> 0:32:55.720
<v Speaker 1>Yeah.

0:32:55.760 --> 0:32:58.160
<v Speaker 2>We checked in on Enrique's dad to see how business

0:32:58.200 --> 0:33:00.240
<v Speaker 2>is doing, and he says business is going very well.

0:33:00.600 --> 0:33:03.280
<v Speaker 2>A little worried about him, you know, being exposed to customers,

0:33:03.280 --> 0:33:06.000
<v Speaker 2>but you know he's got like a plastic partition to

0:33:06.080 --> 0:33:08.160
<v Speaker 2>be safe. And I was like, please wash your hands

0:33:08.680 --> 0:33:11.480
<v Speaker 2>handle cash and and things like that, but you know,

0:33:11.560 --> 0:33:15.800
<v Speaker 2>he would never shut that story down. And so thank

0:33:15.840 --> 0:33:17.520
<v Speaker 2>you for appreciating people like here.

0:33:17.720 --> 0:33:19.880
<v Speaker 1>It look really hard they do. I mean yeah, it's

0:33:19.920 --> 0:33:21.959
<v Speaker 1>just like I said, it was just I thought it

0:33:22.000 --> 0:33:25.760
<v Speaker 1>was awesome. I was like, wow, you gotta stopped, you know.

0:33:26.240 --> 0:33:28.440
<v Speaker 1>So people hitting me my ID like where is that?

0:33:28.520 --> 0:33:31.080
<v Speaker 1>I'm like, you're coming to Newark? Girl? You live in Chicago.

0:33:31.200 --> 0:33:33.280
<v Speaker 1>Now go look for your own logo bodega.

0:33:33.760 --> 0:33:34.080
<v Speaker 2>Yeah.

0:33:34.720 --> 0:33:39.280
<v Speaker 1>Oh well stay safe, Mandra be well, be safe.

0:33:40.000 --> 0:33:41.880
<v Speaker 2>Yes, take care of your mental health. You guys, those

0:33:41.880 --> 0:33:43.680
<v Speaker 2>of you working at home, go for walks.

0:33:44.440 --> 0:33:44.720
<v Speaker 1>I did.

0:33:44.800 --> 0:33:47.600
<v Speaker 2>I hosted a girls night on FaceTime this weekend. It

0:33:47.720 --> 0:33:49.480
<v Speaker 2>was kind of corny, but it was great.

0:33:49.920 --> 0:33:52.360
<v Speaker 1>I love that, you know. I feel sad for the

0:33:52.400 --> 0:33:53.720
<v Speaker 1>people who have to cancel their weddings.

0:33:53.840 --> 0:33:56.680
<v Speaker 2>Yeah, goodness baptisms.

0:33:56.720 --> 0:33:59.400
<v Speaker 1>But sacrifices have to be made. If we're going to

0:33:59.440 --> 0:33:59.920
<v Speaker 1>get through this.

0:34:00.080 --> 0:34:02.640
<v Speaker 2>You know, we have to start taking these drastic measures.

0:34:02.680 --> 0:34:04.120
<v Speaker 1>And it's so tough.

0:34:04.240 --> 0:34:05.880
<v Speaker 2>I know what. We are strong and we will get

0:34:05.920 --> 0:34:08.879
<v Speaker 2>through this. We're here for you guys, and whatever small

0:34:08.920 --> 0:34:11.520
<v Speaker 2>way we can be through your headphones right now, let

0:34:11.600 --> 0:34:14.880
<v Speaker 2>us know how you're coping. Hit us up Brodnivision podcast

0:34:14.960 --> 0:34:18.440
<v Speaker 2>at gmail dot com or send us a note on Instagram.

0:34:18.480 --> 0:34:20.600
<v Speaker 2>Where a broad Envision podcast on the Gram. I'd love

0:34:20.640 --> 0:34:23.359
<v Speaker 2>to hear from you guys, and and hear how you're

0:34:23.400 --> 0:34:27.600
<v Speaker 2>coping with the COVID nineteen coronavirus crisis.

0:34:27.200 --> 0:34:29.040
<v Speaker 1>And just so you know, we all return to normal.

0:34:29.440 --> 0:34:33.600
<v Speaker 1>Superman has been downstairs doing whatever all day long. And

0:34:33.640 --> 0:34:36.319
<v Speaker 1>he entered into the room because he could smell I

0:34:36.400 --> 0:34:38.160
<v Speaker 1>was doing a podcast, and he's like, I looked at him.

0:34:38.239 --> 0:34:40.880
<v Speaker 1>He said podcast. I'm like, yo, I don't care what

0:34:41.080 --> 0:34:43.080
<v Speaker 1>day time that we take. Maybe we could do this

0:34:43.080 --> 0:34:45.839
<v Speaker 1>at three am in the morning he would still wake up.

0:34:45.960 --> 0:34:49.680
<v Speaker 2>Podcast.

0:34:51.440 --> 0:34:54.319
<v Speaker 1>All right, y'all, Bye bye, be well.