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Speaker 1: Hey, hey, bafam, I am so excited to invite you

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Speaker 1: to my Career Pivot Masterclass. It's going down July sixteenth, Tuesday,

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Speaker 1: July sixteenth at eight pm Eastern Standard Time. I'm like,

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Speaker 1: what are time zones? Eight pm Eastern Time. I will

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Speaker 1: be offering a replay. But get this, I am only

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Speaker 1: doing the live Q and A for people who show

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Speaker 1: up in person. I do not do Q and as

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Speaker 1: about career stuff outside of my Mandy money Makers community

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Speaker 1: and the once or twice a month on the show.

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Speaker 1: So please come. You can register at Mandy money dot com.

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Speaker 1: You can also go to my Instagram at Mandy Money

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Speaker 1: and click the link in my profile. I hope to

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Speaker 1: see y' all there. It's going to be so incredible.

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Speaker 1: I'm sharing my key strategy for pivoting, called pivot in place,

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Speaker 1: so that you are not ending up stuck and waiting

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Speaker 1: for the perfect moment or worse, the worst moment in

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Speaker 1: your career to finally make a change. We got to

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Speaker 1: take control of our narrative right. We got to make

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Speaker 1: the changes that we deserve, and we can't wait for

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Speaker 1: someone to give us permission to start a new chapter.

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Speaker 1: I hope to see y'all there again, July sixteenth, at

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Speaker 1: Tuesday Virtual at eight pm Eastern.

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Speaker 2: Bye, it's time for the b a q a a

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Speaker 2: b a q which is the a q a man Day,

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Speaker 2: the b a q awa Ti find a the b.

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Speaker 3: A qa a. Hey, major, how you doing girl?

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Speaker 1: I'm doing well? Long time, no see, I'm excited for

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Speaker 1: the question this week. We haven't talked about this topic in.

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Speaker 4: A minute, but before we do, because this is a

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Speaker 4: financial question, remember that we are not you'll financially advise us,

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Speaker 4: and we're not your attorney, and we're not even your mama,

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Speaker 4: but we are to really keep brown girls you can

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Speaker 4: girls friends though we could be friends. But what that

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Speaker 4: means is this is not professional advice. It's purely for

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Speaker 4: entertainment only. You're going to lean it to the people

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Speaker 4: that you pay for hardcore financial advice. Okay, you gonna

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Speaker 4: take this with the smallest of the smallest grains of.

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Speaker 5: Salt aka suya Granny not us?

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Speaker 1: Okay, okay, please for Granny.

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Speaker 3: Well, I got to get.

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Speaker 1: Sued, all right, Okay, this question? Shall I read it?

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Speaker 3: Yeah?

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Speaker 1: All right? We got a good juicy money question today

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Speaker 1: from Instagram. Oh, by the way, did we tell them

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Speaker 1: how to send a question.

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Speaker 3: No, please do.

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Speaker 1: You can go to brand Ambition Podcast on IG and

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Speaker 1: slide into our d MS. We love that. But also,

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Speaker 1: if you like the old fashioned way, you can email

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Speaker 1: us broad Ambision Podcast at gmail dot com.

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Speaker 4: Dot com or go to Broadambisi podcast dot com and

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Speaker 4: click contact.

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Speaker 1: Yeah may so it's the way, all right. This is

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Speaker 1: from IG from listener Adriel. Adriel says, Hello, I'm a

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Speaker 1: longtime listener, first time DM er. Y'all have helped me

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Speaker 1: get my life together and I'm on track to maxing

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Speaker 1: out my four oh one K and my HSA for

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Speaker 1: the first time ever. Thank you. I'll go, Adriel. My

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Speaker 1: question is about HSA. She says, I'm in my thirty

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Speaker 1: early thirties and I'm generally healthy with no plans to

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Speaker 1: use my HSA. What are your thoughts on investing part

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Speaker 1: of my HSA balance into a portfolio of mutual funds?

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Speaker 4: Well, question, First, let's talk about what it's in HSA.

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Speaker 1: Yeah, a little recapy cup.

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Speaker 4: So, just so you know, HSA stands for help Savings Account.

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Speaker 4: White people love it is because it's tax advantage savings.

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Speaker 3: It's a tax evand savings.

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Speaker 4: Account that lets you set aside pre tax money. So

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Speaker 4: what that means is that, like, hello, this money like

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Speaker 4: your four one k. It means that you won't pay

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Speaker 4: taxes on the money right now, which would lower your

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Speaker 4: taxes currently, and then later you'll pay taxes.

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Speaker 1: Leader.

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Speaker 3: Well no, actually, wa pay taxes leader, not if you

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Speaker 3: use it for quality.

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Speaker 1: Like a triple tax benefit. So it's the Yeah, you

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Speaker 1: don't pay taxes on it as long as you use

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Speaker 1: it for medical expenses, retirement. I think that's like the thing.

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Speaker 4: Yes, yeah, And so the goal is to help you

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Speaker 4: save money for medical expenses that your health insurance company

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Speaker 4: might not fully cover.

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Speaker 3: You can use HSA funds to pay for like deductibles,

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Speaker 3: co payments, co insurance, prescriptions, dental care, contacts, eye glasses, bandages,

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Speaker 3: X ray girl on the worps do works.

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Speaker 4: So the girls love HSA. It's like a win win,

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Speaker 4: win win win. Now here's the thing about HSA that's

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Speaker 4: also really great is that, unlike an FSSA, a flexible

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Speaker 4: spending account right, that hsas don't have a use it

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Speaker 4: or lose it rule. Because with the FSA right isn't

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Speaker 4: if you don't use it.

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Speaker 3: They're like, girl, you.

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Speaker 1: Thought so you sometimes okay, yeah, sometimes you need to

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Speaker 1: like ask because yes, most of the time, I think

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Speaker 1: up until a certain amount, it's like if you have

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Speaker 1: more than five hundred, I think you lose it. Yeah,

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Speaker 1: sometimes it can a little bit can roll over to

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Speaker 1: the next year, but typically it is like a use

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Speaker 1: most of it or lose it kind of situation.

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Speaker 4: So hsas don't have that, which is great. So any

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Speaker 4: used funds and your HSA will automatically roll over to

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Speaker 4: the next year and to continue to grow tax free,

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Speaker 4: which is great. So then you can still use these

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Speaker 4: funds for medical expenses. So with that being said, what

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Speaker 4: I really like about it too, you can keep your

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Speaker 4: account even if you change jobs, retire, or are terminated.

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Speaker 3: Okay, So they're portable, which is really great.

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Speaker 4: And hsas can also be invested, which I don't think

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Speaker 4: you know, which sounds like crazy, but it's really awesome.

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Speaker 4: So you can invest a portion of your HSA balance

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Speaker 4: once you have at least a thousand dollars in your

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Speaker 4: account before you can open though an investment account. Most

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Speaker 4: HSA's are going to require you to maintain a minimum

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Speaker 4: cast balance to come for healthcare costs, and so just

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Speaker 4: keeping keep that in mind. Yeah, So here's the thing.

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Speaker 4: So you can definitely invest in mutual funds. Sometimes you

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Speaker 4: can invest in index funds, even dividend funds. Individual stocks,

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Speaker 4: some of them won't let you do. Now here's the thing,

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Speaker 4: young young whipper snapper who is like.

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Speaker 3: Should I you know, like, I don't need it.

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Speaker 4: I'm I'm healthy, which is great because you can run

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Speaker 4: it over year by year.

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Speaker 3: What's young and healthy one year? Is I need the

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Speaker 3: money the next year. So it's something to keep in mind.

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Speaker 4: So for example, I just went to the dentist and

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Speaker 4: your girl has a crown that I've had for quite

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Speaker 4: some time, and I should have had a replace, but honestly,

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Speaker 4: I was grieving.

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Speaker 3: Girl wasn't the right thinking about that.

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Speaker 4: And so as a result, I now have to like

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Speaker 4: get it taken off because I have like that there's

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Speaker 4: some like cavity underneath it and blah blah blah blah,

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Speaker 4: and it's costing me more than what my insurance is

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Speaker 4: going to cover. So I have to come out of pocket,

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Speaker 4: I don't know, like twelve hundred dollars or something like that.

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Speaker 1: Toile insurance is notoriously the worst and least useful.

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Speaker 3: I'm just like I just it just allowed me to

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Speaker 3: say I'm here.

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Speaker 4: So I'm just saying that to say that, like, even

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Speaker 4: though you're young and all the other stuff that you

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Speaker 4: don't know, you don't know what life can bring, so

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Speaker 4: you want to be mindful that.

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Speaker 3: Like the good thing about HSA is that it can

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Speaker 3: build and build and build.

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Speaker 4: So not all money it's meant to be put to work.

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Speaker 4: Some money is meant to protect you, you know, in

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Speaker 4: an evident because inevitably everyone needs some sort of health

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Speaker 4: like coverage. So I just would just say, just be

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Speaker 4: mindful before putting it all into the market, really asking

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Speaker 4: yourself how much do you want to have set aside,

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Speaker 4: because no one wants to come out of pocket two, three,

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Speaker 4: four or five six thousand dollars, you know, when that

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Speaker 4: money can been sitting in your HSA waiting for you.

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Speaker 1: Well, I just wanted to point out some fine print

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Speaker 1: with the HSA because I've actually never had an HSA

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Speaker 1: because I was never I never chose the high deductible

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Speaker 1: health plan. So typically when you have you have to

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Speaker 1: your company wherever you get your insurance, you typically need

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Speaker 1: to have a high deductible health plan, and that for example,

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Speaker 1: that is when you have a health plan that is

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Speaker 1: typically a lower premium each out of your paycheck or

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Speaker 1: each month that you pay and in exchange for that,

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Speaker 1: so it's cheaper. A lot of young people go for

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Speaker 1: the HSA because they don't have a lot of health

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Speaker 1: issues and they don't mind having that high deductible, you know.

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Speaker 1: It seems like a cost benefit of like, well, I'll

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Speaker 1: save money in the short term by not having high premiums,

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Speaker 1: but then you have that like little bit of a

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Speaker 1: risk of what if something does happen, and then your

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Speaker 1: deductible is like, I don't know, eight thousand dollars and

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Speaker 1: you have to come out of pocket for that. So

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Speaker 1: that's something to consider in order to even be eligible

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Speaker 1: for an HSA. And the other thing is that there's

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Speaker 1: a limit on it. I just looked it up because

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Speaker 1: my info is so old from back when I was

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Speaker 1: reporting on this kind of stuff. Now, the limit, I

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Speaker 1: think back when I was reporting on it was about

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Speaker 1: three thousand. Now the limit is four thousand and one

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Speaker 1: hundred and fifty dollars per year for twenty twenty four

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Speaker 1: and for a family it's eight thousand, three hundred dollars.

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Speaker 1: So the good news is that that limit has been

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Speaker 1: increasing definitely, probably due to inflation and all of that,

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Speaker 1: but just some quid pro ques you will.

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Speaker 4: Yeah, and so like, Honestly, HSA is just one of

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Speaker 4: the best accounts for saving for retirement, for setting time

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Speaker 4: money for potential.

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Speaker 1: Help them fire.

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Speaker 4: People love it, they do, honey, because honestly, where are

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Speaker 4: you going to find a triple tax advantage account where

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Speaker 4: you know that like, one, you know you save, I'm

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Speaker 4: paying taxes now, Two it's allowed to grow tax free,

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Speaker 4: and three if you use in a specific way, you

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Speaker 4: don't have to pay tax on it later.

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Speaker 3: It's like bam, bam bam.

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Speaker 4: Because typically for example, your four one K, they're you

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Speaker 4: know the tax benefit is, Hey, it lowers my taxes now,

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Speaker 4: but I pay taxes later when I retire.

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Speaker 3: A row IRA is the opposite.

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Speaker 4: It's like, I pay taxes on it now, but I

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Speaker 4: don't have to pay taxes on the growth and pull

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Speaker 4: it out later. But this is like way you don't

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Speaker 4: play taxes on when I put it in, I don't

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Speaker 4: play taxes on the growth, and I don't play taxes

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Speaker 4: when I take it out if I use it in

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Speaker 4: a specific way. So it's it's one of these rare

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Speaker 4: accounts that you have one maximizing it isn't your best

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Speaker 4: interest because you know they don't come along. You know,

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Speaker 4: it's like a triple what like it's like Beyonce sing

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Speaker 4: dance you know and act product.

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Speaker 3: I was gonna say, no, who is it? Kik who's

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Speaker 3: a good one?

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Speaker 1: And y'all know I love me some by Kiki. Yes,

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Speaker 1: she's a triple threat. Beyonce's triple threat is hair care.

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Speaker 4: Yeah, I get, but I feel like Kiki, I canna

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Speaker 4: say Brandy, but Brandy can't dance because she can see

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Speaker 4: is You're not the best actress either.

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Speaker 1: I saw her Hallmark movie No Come On.

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Speaker 4: Now, not Moesha. Well, I don't know if that was

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Speaker 4: great acting, but we all love movies.

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Speaker 1: You love Brandy and always will forever. And well, what

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Speaker 1: were we talking about?

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Speaker 4: I'm like triple threats because we're talking about a triple threat.

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Speaker 4: But do we know who the trouble thread of these days? Honestly,

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Speaker 4: Kiki Palmer is a.

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Speaker 1: Really good one because that bitch can do everything and.

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Speaker 5: Bitch, I mean like she it's true, but I'm not

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Speaker 5: dang we what about her?

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Speaker 1: Her? Herd Oh does it have to be dancing. I

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Speaker 1: thought it was singing acting. Oh okay, never mind. Yeah,

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Speaker 1: Tianna Taylor, Tiana Taylor, Taylor acted her ass. Yes in

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Speaker 1: one thousand and one. That's a beautiful film. And I

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Speaker 1: don't know why she didn't get nominated for anything.

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Speaker 3: Taylor, she's one of the few.

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Speaker 4: And I would say Mary, I mean because we love

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Speaker 4: Mary's dance.

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Speaker 3: I mean I don't know her a dancer, remember she

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Speaker 3: almost does she get that? Ask her because the acting

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Speaker 3: was her point.

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Speaker 4: But I don't know if dancing and singing it depends

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Speaker 4: on favorite.

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Speaker 1: There's only that have like a handful of reels that

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Speaker 1: I go back to you on a rainy day when

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Speaker 1: I just need to be cheered up. And it's not

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Speaker 1: even her, but it's like the Merry impersonation. The boots,

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Speaker 1: but she had those, like she has those really expensive

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Speaker 1: boots now, like there rose something. Yes, I don't know

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Speaker 1: what brand it is, but there are thousands of dollars, yes,

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Speaker 1: and there's one of a girl dancing in those and

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Speaker 1: it's like the dance moves came as well.

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Speaker 4: Yes, there are not many triple threats, y'all know. Some

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Speaker 4: triple threats sign our DMS and let us know or

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Speaker 4: tweet us DBA podcasts and because I loved, like, what

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Speaker 4: is a choice a true triple threat? Man?

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Speaker 1: Would you call Jennifer low peznger girl?

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Speaker 3: Stop because where is the singing? The dancing?

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Speaker 4: Yes?

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Speaker 3: No, we're left.

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Speaker 1: Real singing there. Yea's beautiful because.

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Speaker 4: First of all, I've heard her set skin of no

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Speaker 4: we all the acting, no, the singing.

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Speaker 1: Question on the record, defending j Lo and many times.

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Speaker 1: And dance.

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Speaker 3: I think she could dance?

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Speaker 1: Can she dance?

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Speaker 3: That is okay, we're gonna give her dancing all right.

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Speaker 1: Other triple threats I google it. We have Lady Gaga.

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Speaker 1: That's a good one.

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Speaker 3: Oh yes, yeah, she definite act. Yeah that's true. Okay,

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Speaker 3: who else?

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Speaker 1: Alicia Keys is not?

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Speaker 5: I mean who said that?

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Speaker 4: You know what?

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Speaker 1: Tiff like, I think that you were including dance and

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Speaker 1: I don't think it'll dance is necessarily. I think triple

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Speaker 1: threat is like three page that's true because like Zendaya

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Speaker 1: is here, although she can do all those things and

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Speaker 1: Deya is a good one her as off. You saw

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Speaker 1: her Bruno Mars tribute karaoke, so her and Tom Holland

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Speaker 1: both went on that karaoke dance show with John Kristinski

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Speaker 1: or whoever Jimmy fallon one of them. Yeah, and she

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Speaker 1: was Bruno Mars and she did the most epic impersonation.

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Speaker 1: And then Tom Holland was Rihanna and he also did

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Speaker 1: a it was hard. They were so good.

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Speaker 3: Okay, so we got some people.

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Speaker 1: Yeah, what were Queen Latifa? Donald Glove? I love Queen

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Speaker 1: Latifa Rihanna herself, she asks.

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Speaker 4: I say, we just know she's that bitch, but I

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Speaker 4: don't know if she's that bitch. Bitch bitch, you know

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Speaker 4: what I mean?

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Speaker 1: And once again I have landed, Like I'm on the

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Speaker 1: boat with you and I'm rowing, do you know what

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Speaker 1: I mean? Like? I support this trip? But where are

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Speaker 1: we going?

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Speaker 3: No, because we're just so much.

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Speaker 1: Are we going on this boat?

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Speaker 4: Because we're saying the HSA is a trip friend and

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Speaker 4: so we're gonna bring it on back.

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Speaker 3: All right, y'all?

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Speaker 1: Any other land I see land right?

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Speaker 3: If you have any other financial triple threats, let us

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Speaker 3: know before we sign off. Do we have any new

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Speaker 3: reviews that we want to read?

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Speaker 1: Oh? I think yes, we have a new one. Let

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Speaker 1: me just shake up my.

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Speaker 3: Mind while she's While Mandy is finding the reviews. Please

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Speaker 3: leave us.

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Speaker 4: Some glorious reviews wherever you listen, but especially if you

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Speaker 4: are listening on Apple podcasts, because it helps the girls

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Speaker 4: find us, it helps you know the algorithm algorithm in

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Speaker 4: our favor, and plus we just love reading that you

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Speaker 4: might get read out land.

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Speaker 1: Okay, Okay, It just means a lot because a lot

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Speaker 1: of people take their time to leave both shit on

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Speaker 1: the internet and like you know, negativity and you guys

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Speaker 1: have taken some time to just put some positive vibes

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Speaker 1: out there, and I love you for that. Today, the

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Speaker 1: day after America's Birthday, Kaises two thousand got on Apple

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Speaker 1: Podcasts and said this about brand ambition, and we just

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Speaker 1: thank you. She says, down to earth, relatable and informative,

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Speaker 1: all in one. You two are life ladies. The weekly

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Speaker 1: informational key key is much needed everything from financial, business

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Speaker 1: advice to family You ladies are a breath of fresh

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Speaker 1: air each week sharing your real life experiences. Keep it coming.

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Speaker 1: Years later and you're still blazing with informative and educational

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Speaker 1: info that holds our retention and makes us think about

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Speaker 1: how finance, personal growth, and business are essential to this

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Speaker 1: thing we call adult Tank. Thanks ladies and another triple

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Speaker 1: excavation mark. Yeah, oh look at.

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Speaker 3: Hous getting one two three, Okay, we're two love that

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Speaker 3: that could be all. I'll see you see that.

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Speaker 4: We can be reading and pouring life back into you

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Speaker 4: as well if you left this review and we'll see

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Speaker 4: you on Monday, because you know.

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Speaker 3: We are trouble. Thre it Monday, Wednesday, Friday, b A.

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Speaker 1: The best things come in threes. It's the power of

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Speaker 1: threes is truly very strong. Do we need a third

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Speaker 1: co host? Okay, it's great, Thank you, BA fan, that's

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Speaker 1: so amazing. Again, Brand Ambission Podcast on ig you can

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Speaker 1: leave us a review on Apple Podcasts. That is the

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Speaker 1: place to do it. Five stars would be wonderful. Believe

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Speaker 1: honest reviews too, because I don't read them before I

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Speaker 1: read them on the show. So if you say some

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Speaker 1: you know, feedback is fine. Feedback is fine, but thank you,

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Speaker 1: so keep it compute. Yeah, you can also d m

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Speaker 1: us you know what I mean, like on the Private Way.

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Speaker 1: Thank y'all so much so, and we'll see you Monday, Wednesday, Friday.

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Speaker 1: Bye bye,