Speaker 1: And now it's time for the b a q a
Speaker 1: a the b a q a, which is say the
Speaker 1: b a q a with Manda, the b a q
Speaker 1: a with tiff A, the b a q a.
Speaker 2: I wish I could see the shoulder actually, that we'd
Speaker 2: be giving over here your energy.
Speaker 3: My shoulders were a little whack today, but I'm getting
Speaker 3: it together.
Speaker 2: So brown a mission a question answer.
Speaker 1: You guys have them questions, and we have some of
Speaker 1: the answers, not all of them. We are not your attorney,
Speaker 1: we're not your mama, we're not your therapist, we're not
Speaker 1: your financial advisor. But we are too, very smart, very
Speaker 1: cute brown girls who know I think too about money.
Speaker 1: So take what we say with the grain of salt.
Speaker 1: But you know, keep it keeped. So I'd like to
Speaker 1: do the first one just because I want to say
Speaker 1: her name.
Speaker 3: Yeah, yeah, go for it.
Speaker 1: So our first baqa of today is from.
Speaker 2: Big Booty Judy.
Speaker 1: We love when you guys give us funny names because
Speaker 1: we get to say them, so Big Boody Judy BBJ says, Hi, ladies,
Speaker 1: love you both and happy to have y'all together again.
Speaker 1: My husband and I started working with an accountant this year. Okay,
Speaker 1: it's for my husband's law practice. I'm a little concerned
Speaker 1: about some of the privacy protocols of my accountant. He's
Speaker 1: asked me to text him banking info. He's also emailed
Speaker 1: me from a Gmail account asking for our social and
Speaker 1: other personal info. He has a work email, but during
Speaker 1: that time has requested the info from his personal email.
Speaker 1: Is this a red flag? Is he negligent? Or should
Speaker 1: I relax since it's twenty twenty two and that's how
Speaker 1: people communicate. Instead of texting him the banking info, I
Speaker 1: sent screenshots and asked him to delete the images after
Speaker 1: Also I call him with my social and email. The
Speaker 1: other requested info to his work email. He worked for
Speaker 1: an established accounting firm and has been practicing for well
Speaker 1: for twenty years. But I don't want to overlook anything.
Speaker 1: I think it's easy for phones to get lost, emails
Speaker 1: to get hacked, and for accountants to go ruge. So
Speaker 1: that's the reason for my concern. I look forward to
Speaker 1: your feed bags. So what do you want to say
Speaker 1: to BBJ man.
Speaker 3: Trust your gut, big booty, Judy, trust your gut. Yeah,
Speaker 3: I have had similar experience. I don't like sloppiness when
Speaker 3: it comes to my accounting, I don't like to I
Speaker 3: don't want to feel like it's just another day at
Speaker 3: the office, like la la la. I want someone who
Speaker 3: is on top of their shit, because my level of
Speaker 3: anxiety about my taxes is quite high. And yeah, so
Speaker 3: those little red flags, it's really about your comfort level,
Speaker 3: and you don't seem comfortable and I think you should be.
Speaker 3: So yeah, I would say that those are red flags
Speaker 3: because they don't make you comfortable. And in general, no,
Speaker 3: it's yes, it's the way people communicate in twenty twenty two,
Speaker 3: but it's not the way that many accountants communicate in
Speaker 3: twenty twenty two. My accountant has a whole portal that
Speaker 3: is completely private. Yeah, and I recently switched to accountants,
Speaker 3: and that was one of the reasons.
Speaker 2: Is like a portal.
Speaker 3: All the email, all our messages go through the secure
Speaker 3: site and she is on top of it, and I
Speaker 3: feel very comfortable and everything is very professional to my liking,
Speaker 3: you know. So that's what I would say. I feel
Speaker 3: like it's about a relationship with a with a professional
Speaker 3: that you're you know, paying to work in your best interests.
Speaker 3: And if you don't feel comfortable, then you know, give
Speaker 3: him the boot. You could try, like if you want it.
Speaker 3: I know you said it's your husband's accountant or you
Speaker 3: guys did that what she said like they work together.
Speaker 1: I think it was getting the accountan as because her
Speaker 1: husband has a new law practice.
Speaker 3: Okay, well then you could have a candid conversation and
Speaker 3: just say, to make myself more comfortable, here the changes
Speaker 3: I'd like, and then say if there is some sort
Speaker 3: of more formal process so I feel more comfortable, like
Speaker 3: you know that my information is secure. Maybe he's cutting
Speaker 3: corners and there is a more in depth process and
Speaker 3: he's just like I can get the sun faster from Gmail,
Speaker 3: you know, and if he is cutting those corners, but
Speaker 3: they you know, there's other ways for you to do it.
Speaker 3: Maybe go to him first, see if there are other options,
Speaker 3: and if there's not, then you can decide, you know,
Speaker 3: whether it's stay or go.
Speaker 1: Yeah, honestly I agree. So like you know, I too
Speaker 1: switched to accountants and and also to my financial advisor
Speaker 1: is great and that everything we do we certainly email.
Speaker 1: But whenever she says, you know, hey, Tiffany, I need
Speaker 1: this document, there's literally like a portal she has where
Speaker 1: you upload the document to this secure portal. And so
Speaker 1: even if I'm giving like a social Security number whatever,
Speaker 1: everything's uploaded to the portal for both my accountant and
Speaker 1: my financial advisor. There's no reason why should be texting
Speaker 1: your dad on social security number. Like, here's the thing.
Speaker 1: What it reads to me twenty years in the business.
Speaker 1: It reads like lax, you know, not that he's a
Speaker 1: scammer or a schemer.
Speaker 2: You know, it's sad.
Speaker 1: Sometimes people are like, oh, I'm not a baggie because
Speaker 1: nothing has happened before. But no, like it's only a
Speaker 1: matter of time before something slips through the cracks, and
Speaker 1: you don't want to be the one to pay pay
Speaker 1: the piper.
Speaker 2: So I would talk to your husband and just be like,
Speaker 2: you know, I think we need to switch.
Speaker 1: Accountants to one that navigates in twenty the real twenty
Speaker 1: twenty two, which is one where you are hyper villagon
Speaker 1: about your online presence and you use the tools that
Speaker 1: are available to all financial And I'm sure your husband
Speaker 1: is an attorney. I'm sure that he knows like, okay,
Speaker 1: we're sending papers or whatever that there's some sort of
Speaker 1: like you know, portal in place, and so no, to me,
Speaker 1: that's unacceptable. So to Mandie's point, maybe his farm does
Speaker 1: have it. They likely do, but maybe he's just, you know,
Speaker 1: because it's been twenty years, he's just like what evs
Speaker 1: you know. So, yeah, I would have to chalcolate him.
Speaker 1: But honestly, I'm not gonna lie. I already have my
Speaker 1: big toe and my pinky toe out the dough.
Speaker 2: Yeah.
Speaker 3: Absolutely. Yeah. It also reminds me of like, it reminds
Speaker 3: me of nothing, because again I had the thoughts and
Speaker 3: then it by a way. So we'll just cut that
Speaker 3: out and go.
Speaker 2: The next question. So so we take a break before
Speaker 2: we take the next question. Yes, please taking a break.
Speaker 1: We're back in black and Mandy got the next question,
Speaker 1: Mandro Who we got?
Speaker 3: Oh, I don't know why. I feel like I was
Speaker 3: called it in class and I wasn't ready.
Speaker 2: Ah, which one was it? Forty five? Forty five?
Speaker 3: Okay, this is funny because Tiffany thought it was from Mandise,
Speaker 3: even though it says just from Mandy's messages. But we're
Speaker 3: gonna call her man des because she wants to remain anonymous. Anyway,
Speaker 3: Mand's this is a really interesting question. Mandy says, Hey, Mandy,
Speaker 3: I've been nervous to send this message, as I don't
Speaker 3: want it to come across wrong. I've been listening to
Speaker 3: your podcast with Tiffany for almost a year now. My
Speaker 3: girlfriend and I are on our biggest finance journey this year.
Speaker 3: She just graduated with her bachelor's to become a teacher
Speaker 3: next year, so her income is doubling and I keep
Speaker 3: getting bonuses and raises at work. Love that we're completely
Speaker 3: credit card debt free. We're working on our car loans
Speaker 3: and student loans next and our goal is to save
Speaker 3: twenty percent for a home loan as well. I also
Speaker 3: have a couple side hustles. This is just a little
Speaker 3: side information about us. My main question is we want
Speaker 3: to buy a house and the market in our area
Speaker 3: is very crazy right now if you want to find
Speaker 3: a good home. Because I listen to your podcast, we
Speaker 3: always try to support local businesses, black owned businesses, and
Speaker 3: women owned businesses as well. What it seemed racist of
Speaker 3: us to try to find a black female real estate
Speaker 3: agent to help us buy our first home. From Mandy's
Speaker 3: interesting question, No, I'm just going to assume that you're
Speaker 3: I'm just going to say you're white. I mean you're
Speaker 3: non black if you if you're asking, because I mean,
Speaker 3: that's my first inclination assistance.
Speaker 2: I feel like you feel like girl gave me a
Speaker 2: black girl.
Speaker 3: Yeah, I mean I do this all the time. But
Speaker 3: it's it's a fair, I mean, a fair question, and
Speaker 3: I think good question.
Speaker 2: Yeah.
Speaker 3: Yeah, I love that you felt comfortable enough to ask
Speaker 3: the question that you're not sure you're saying the things
Speaker 3: in the right way, because we have to just like
Speaker 3: get out there and say it. But yeah, I mean
Speaker 3: my first my reaction is yeah, absolutely, I mean, I
Speaker 3: think this is the work of creating more and more
Speaker 3: equitable economy and putting money into the pockets of people
Speaker 3: who have been underprivileged, underserved, you know, have unconscious bias
Speaker 3: fighting against them every day of their careers. Like, we
Speaker 3: have to be thoughtful and intentional with how we spend
Speaker 3: our money and who we hire. Joe Biden said we
Speaker 3: are going to have a black Supreme Court justice, a
Speaker 3: black female Supreme Court justice. So if Joe freaking Biden
Speaker 3: the President can intentionally say I am looking for a
Speaker 3: black woman for this job, then no, it is not
Speaker 3: in any way, shape or form racist or wrong to
Speaker 3: do so. In fact, I think we need more of that, and.
Speaker 1: Also too, sometimes we have to understand what racism truly is.
Speaker 1: Racism is not just it's really racism really is not
Speaker 1: I don't like you because you're black.
Speaker 2: I don't like you because you're right. That's not racism.
Speaker 1: Racism is a systematic tool used to disempower those through
Speaker 1: using economic tools, ability, housing, jobs, and so therefore, and
Speaker 1: if you are not in a position of power, you know,
Speaker 1: you can't enforce that onto a race that is in
Speaker 1: a position of power. So for example, like you know,
Speaker 1: if you are you know, black in America, it's going
Speaker 1: to be very difficult for you to be racist toward
Speaker 1: in the in the pure sense towards someone to a
Speaker 1: race that is in current power, because you might not
Speaker 1: you might be prejudiced in depth for sure, but you
Speaker 1: can't systematically harm that race because from your position of
Speaker 1: not having power, you don't have the ability to do so,
Speaker 1: you know.
Speaker 2: So that's what racism truly is.
Speaker 1: So sometime people mix up prejudice, which you totally could be,
Speaker 1: and even bigoted, which you totally could be, but not
Speaker 1: so much.
Speaker 2: Racism.
Speaker 1: Racism is really a systematic issue where from a position
Speaker 1: of power, you can and dictate the trajectory of the
Speaker 1: lives of those.
Speaker 2: Who are not in power. So yeah, so I said,
Speaker 2: I'll have to say, there's nothing wrong with doing that.
Speaker 2: I don't think.
Speaker 1: I mean, I you know, sometimes I support like, you know,
Speaker 1: we have Small Business Saturday on purpose to give a
Speaker 1: little leg up to small businesses. And honestly, most people
Speaker 1: navigate from a place of infinite affinity, you know. So
Speaker 1: if you look at my team and Mandy's team, it
Speaker 1: is largely, you know, folks who look like us. You know,
Speaker 1: not every single person on my team, but the vast majority.
Speaker 1: And so you know, I mean that can be helpful,
Speaker 1: and sometimes certainly that can be harmful because if the
Speaker 1: there are more companies run by people who don't look
Speaker 1: like you, then you might have a hard time getting in.
Speaker 1: So I try to be mindful of that even as
Speaker 1: I hire, like, oh, I'm looking for the best, but
Speaker 1: I have I'm especially looking for the best, especially if
Speaker 1: it's a black woman. But if I can't find that,
Speaker 1: then I'm open. Know, because there are part there are
Speaker 1: positions on my team. I have not been able to
Speaker 1: find that, and so you know, I've had to look elsewhere.
Speaker 1: So no, but I say, go ahead, girl, Like it's
Speaker 1: so many times, you know, you don't get when you hire,
Speaker 1: especially black women, there's a benefit to increasing the different
Speaker 1: ways of looking at things because a black woman and
Speaker 1: if she knows your neighborhood, well, you know, it's going
Speaker 1: to know things that you might not even have considered,
Speaker 1: you know. You know, it's going to know things about
Speaker 1: school systems and how they treat people. It's going to
Speaker 1: know things about the way the township deals with anyone
Speaker 1: who's othered or different. You know, it's going to know
Speaker 1: things about you know, this street is known for this,
Speaker 1: you know, so I think that like even you know,
Speaker 1: even just that aside from you know, supporting black women,
Speaker 1: you know, you get this additional benefit of a wider
Speaker 1: scope of what it is to move to a neighborhood
Speaker 1: that you know, you wouldn't keep it like someone else
Speaker 1: would not keep at the forefront of their minds because
Speaker 1: they wouldn't even think about Like I was talking to
Speaker 1: my friend yesterday about because I don't know, I feel
Speaker 1: like it literally it's almost like men were waiting for
Speaker 1: one year after Jerrell passed away to everybody start hollering.
Speaker 2: I'm like, what is going on? I know it's crazy.
Speaker 2: We'll talk about later. Right now, it's quite perfect, right, So,
Speaker 2: but I.
Speaker 1: Was telling like a friend and I was like, it's
Speaker 1: a little off putting, like we were just talking in general,
Speaker 1: like how I remember like in my twenties and in
Speaker 1: my thirties and you know, you're walking down the street
Speaker 1: and a guy tries to talk to you, and if
Speaker 1: you're not interested, you're like, oh, no, I have a boyfriend,
Speaker 1: even if you don't, because you want to spare his feelings.
Speaker 2: And he was like, why can't you just be honest.
Speaker 1: I'm like, you don't know what it is to be
Speaker 1: a woman walking by yourself, you know, and a man
Speaker 1: approaches you. And so I say all that to say
Speaker 1: that there is a limit when you're not from a
Speaker 1: a group of people that has to look beyond what's
Speaker 1: just on the surface. Women cannot just say get out
Speaker 1: of my face, I'm not interested. That's not happening, because
Speaker 1: you literally put your life in jeopardy. And so a
Speaker 1: black woman saying hey, I'm not so sure about that
Speaker 1: neighborhood has a wider perspective, you know, because she has
Speaker 1: seen much more than what.
Speaker 2: Maybe what someone who was not like her would see.
Speaker 2: So but yeah, well, I mean that's.
Speaker 3: Such a like well put thought and point and nuanced,
Speaker 3: and I think, yeah, thanks for thanks for going there,
Speaker 3: because I think that's an important perspective. I decided if
Speaker 3: I ever get attacked on the sidewalk, which I wouldn't
Speaker 3: because I live in the boring birds, now I'm going
Speaker 3: to go for the crazy lady act, like start spitting
Speaker 3: and like speaking in tongues and like, I don't know,
Speaker 3: maybe pe myself so that.
Speaker 2: Now I'm telling you, make a full.
Speaker 3: Toddler tantrum onum.
Speaker 1: Yes, that's a good one because I feel like they're
Speaker 1: like what the heck is going to exactly?
Speaker 3: Or like bark at them. I think I saw on
Speaker 3: TikTok someone barked and that worked. Whatever.
Speaker 2: Oh I got y'all. These are good.
Speaker 3: Yeah, but come for me in the Trader Joe's parking lot.
Speaker 3: See what you're gonna get?
Speaker 1: See I guess on twitter BA podcast and let us know,
Speaker 1: like what ways do you like get out of like
Speaker 1: a man who or just being approached by someone you're
Speaker 1: not interested in and they don't take it well, Like
Speaker 1: I'd love to hear it, because yeah, it's it's like
Speaker 1: my sister. I was like, dang girl, she's like your milkshake,
Speaker 1: bringing on the boys to the art. I'm like even
Speaker 1: the lactose and toller once.
Speaker 3: It's making me cough, but it's so freaking funny. We
Speaker 3: took a turn there, But thank you for your question
Speaker 3: and thanks for listening to the show. We appreciate y'all.
Speaker 3: Yeah until later, Bye bye, until later. Bye, Hey ba fan,
Speaker 3: we could not do this show without your support or
Speaker 3: the support of our team behind the scenes. The Brown
Speaker 3: Emission podcast is produced by Cumulus Podcast Network. It's edited
Speaker 3: by the wonderful Emani Crosby and produced by Tanya Bustos.
Speaker 3: Dennistimplinsky is our in house tech guru, and I am
Speaker 3: Bandy Woodrid Santo's your co host and I will see
Speaker 3: y'all next week.