WEBVTT - Investing in an HSA: Yay or Nay?

0:00:00.080 --> 0:00:02.680
<v Speaker 1>Hey, hey, bafam, I am so excited to invite you

0:00:02.759 --> 0:00:07.000
<v Speaker 1>to my Career Pivot Masterclass. It's going down July sixteenth, Tuesday,

0:00:07.080 --> 0:00:11.760
<v Speaker 1>July sixteenth at eight pm Eastern Standard Time. I'm like,

0:00:11.800 --> 0:00:15.960
<v Speaker 1>what are time zones? Eight pm Eastern Time. I will

0:00:16.000 --> 0:00:18.720
<v Speaker 1>be offering a replay. But get this, I am only

0:00:18.760 --> 0:00:20.680
<v Speaker 1>doing the live Q and A for people who show

0:00:20.760 --> 0:00:23.000
<v Speaker 1>up in person. I do not do Q and as

0:00:23.079 --> 0:00:26.160
<v Speaker 1>about career stuff outside of my Mandy money Makers community

0:00:26.720 --> 0:00:28.800
<v Speaker 1>and the once or twice a month on the show.

0:00:29.200 --> 0:00:33.280
<v Speaker 1>So please come. You can register at Mandy money dot com.

0:00:33.400 --> 0:00:36.400
<v Speaker 1>You can also go to my Instagram at Mandy Money

0:00:36.440 --> 0:00:39.320
<v Speaker 1>and click the link in my profile. I hope to

0:00:39.360 --> 0:00:42.280
<v Speaker 1>see y' all there. It's going to be so incredible.

0:00:42.360 --> 0:00:47.120
<v Speaker 1>I'm sharing my key strategy for pivoting, called pivot in place,

0:00:47.280 --> 0:00:50.320
<v Speaker 1>so that you are not ending up stuck and waiting

0:00:50.320 --> 0:00:53.720
<v Speaker 1>for the perfect moment or worse, the worst moment in

0:00:53.760 --> 0:00:56.400
<v Speaker 1>your career to finally make a change. We got to

0:00:56.440 --> 0:00:58.600
<v Speaker 1>take control of our narrative right. We got to make

0:00:58.640 --> 0:01:01.080
<v Speaker 1>the changes that we deserve, and we can't wait for

0:01:01.120 --> 0:01:03.720
<v Speaker 1>someone to give us permission to start a new chapter.

0:01:04.160 --> 0:01:06.920
<v Speaker 1>I hope to see y'all there again, July sixteenth, at

0:01:06.959 --> 0:01:10.600
<v Speaker 1>Tuesday Virtual at eight pm Eastern.

0:01:10.840 --> 0:01:30.920
<v Speaker 2>Bye, it's time for the b a q a a

0:01:31.160 --> 0:01:35.240
<v Speaker 2>b a q which is the a q a man Day,

0:01:35.480 --> 0:01:38.160
<v Speaker 2>the b a q awa Ti find a the b.

0:01:38.120 --> 0:01:42.640
<v Speaker 3>A qa a. Hey, major, how you doing girl?

0:01:43.240 --> 0:01:46.080
<v Speaker 1>I'm doing well? Long time, no see, I'm excited for

0:01:46.120 --> 0:01:49.080
<v Speaker 1>the question this week. We haven't talked about this topic in.

0:01:49.040 --> 0:01:51.840
<v Speaker 4>A minute, but before we do, because this is a

0:01:51.840 --> 0:01:57.880
<v Speaker 4>financial question, remember that we are not you'll financially advise us,

0:01:57.920 --> 0:02:01.160
<v Speaker 4>and we're not your attorney, and we're not even your mama,

0:02:01.160 --> 0:02:03.560
<v Speaker 4>but we are to really keep brown girls you can

0:02:03.560 --> 0:02:06.440
<v Speaker 4>girls friends though we could be friends. But what that

0:02:06.480 --> 0:02:09.040
<v Speaker 4>means is this is not professional advice. It's purely for

0:02:09.200 --> 0:02:11.480
<v Speaker 4>entertainment only. You're going to lean it to the people

0:02:11.520 --> 0:02:15.679
<v Speaker 4>that you pay for hardcore financial advice. Okay, you gonna

0:02:15.680 --> 0:02:17.880
<v Speaker 4>take this with the smallest of the smallest grains of.

0:02:17.919 --> 0:02:21.320
<v Speaker 5>Salt aka suya Granny not us?

0:02:21.480 --> 0:02:27.440
<v Speaker 1>Okay, okay, please for Granny.

0:02:27.800 --> 0:02:28.959
<v Speaker 3>Well, I got to get.

0:02:28.760 --> 0:02:32.880
<v Speaker 1>Sued, all right, Okay, this question? Shall I read it?

0:02:33.280 --> 0:02:33.520
<v Speaker 3>Yeah?

0:02:34.000 --> 0:02:36.200
<v Speaker 1>All right? We got a good juicy money question today

0:02:36.280 --> 0:02:38.560
<v Speaker 1>from Instagram. Oh, by the way, did we tell them

0:02:38.560 --> 0:02:39.400
<v Speaker 1>how to send a question.

0:02:39.480 --> 0:02:40.200
<v Speaker 3>No, please do.

0:02:40.680 --> 0:02:43.000
<v Speaker 1>You can go to brand Ambition Podcast on IG and

0:02:43.000 --> 0:02:46.040
<v Speaker 1>slide into our d MS. We love that. But also,

0:02:46.080 --> 0:02:48.080
<v Speaker 1>if you like the old fashioned way, you can email

0:02:48.120 --> 0:02:51.079
<v Speaker 1>us broad Ambision Podcast at gmail dot com.

0:02:50.720 --> 0:02:53.560
<v Speaker 4>Dot com or go to Broadambisi podcast dot com and

0:02:53.600 --> 0:02:54.680
<v Speaker 4>click contact.

0:02:55.280 --> 0:02:58.440
<v Speaker 1>Yeah may so it's the way, all right. This is

0:02:58.440 --> 0:03:03.360
<v Speaker 1>from IG from listener Adriel. Adriel says, Hello, I'm a

0:03:03.360 --> 0:03:06.680
<v Speaker 1>longtime listener, first time DM er. Y'all have helped me

0:03:06.720 --> 0:03:09.320
<v Speaker 1>get my life together and I'm on track to maxing

0:03:09.320 --> 0:03:11.680
<v Speaker 1>out my four oh one K and my HSA for

0:03:11.720 --> 0:03:16.120
<v Speaker 1>the first time ever. Thank you. I'll go, Adriel. My

0:03:16.240 --> 0:03:18.959
<v Speaker 1>question is about HSA. She says, I'm in my thirty

0:03:19.240 --> 0:03:22.880
<v Speaker 1>early thirties and I'm generally healthy with no plans to

0:03:23.000 --> 0:03:26.120
<v Speaker 1>use my HSA. What are your thoughts on investing part

0:03:26.200 --> 0:03:31.480
<v Speaker 1>of my HSA balance into a portfolio of mutual funds?

0:03:32.840 --> 0:03:36.360
<v Speaker 4>Well, question, First, let's talk about what it's in HSA.

0:03:36.800 --> 0:03:38.000
<v Speaker 1>Yeah, a little recapy cup.

0:03:39.240 --> 0:03:42.920
<v Speaker 4>So, just so you know, HSA stands for help Savings Account.

0:03:43.400 --> 0:03:46.720
<v Speaker 4>White people love it is because it's tax advantage savings.

0:03:46.760 --> 0:03:48.120
<v Speaker 3>It's a tax evand savings.

0:03:47.840 --> 0:03:51.040
<v Speaker 4>Account that lets you set aside pre tax money. So

0:03:51.520 --> 0:03:54.440
<v Speaker 4>what that means is that, like, hello, this money like

0:03:54.440 --> 0:03:58.480
<v Speaker 4>your four one k. It means that you won't pay

0:03:58.680 --> 0:04:01.800
<v Speaker 4>taxes on the money right now, which would lower your

0:04:01.840 --> 0:04:03.520
<v Speaker 4>taxes currently, and then later you'll pay taxes.

0:04:03.560 --> 0:04:03.760
<v Speaker 1>Leader.

0:04:03.800 --> 0:04:06.160
<v Speaker 3>Well no, actually, wa pay taxes leader, not if you

0:04:06.240 --> 0:04:07.640
<v Speaker 3>use it for quality.

0:04:07.400 --> 0:04:10.120
<v Speaker 1>Like a triple tax benefit. So it's the Yeah, you

0:04:10.240 --> 0:04:11.920
<v Speaker 1>don't pay taxes on it as long as you use

0:04:11.920 --> 0:04:14.560
<v Speaker 1>it for medical expenses, retirement. I think that's like the thing.

0:04:14.720 --> 0:04:17.120
<v Speaker 4>Yes, yeah, And so the goal is to help you

0:04:17.120 --> 0:04:20.279
<v Speaker 4>save money for medical expenses that your health insurance company

0:04:20.360 --> 0:04:21.320
<v Speaker 4>might not fully cover.

0:04:21.839 --> 0:04:24.600
<v Speaker 3>You can use HSA funds to pay for like deductibles,

0:04:24.640 --> 0:04:29.040
<v Speaker 3>co payments, co insurance, prescriptions, dental care, contacts, eye glasses, bandages,

0:04:29.320 --> 0:04:31.600
<v Speaker 3>X ray girl on the worps do works.

0:04:32.000 --> 0:04:34.960
<v Speaker 4>So the girls love HSA. It's like a win win,

0:04:35.360 --> 0:04:39.160
<v Speaker 4>win win win. Now here's the thing about HSA that's

0:04:39.160 --> 0:04:45.160
<v Speaker 4>also really great is that, unlike an FSSA, a flexible

0:04:45.200 --> 0:04:49.760
<v Speaker 4>spending account right, that hsas don't have a use it

0:04:49.880 --> 0:04:52.560
<v Speaker 4>or lose it rule. Because with the FSA right isn't

0:04:52.600 --> 0:04:53.240
<v Speaker 4>if you don't use it.

0:04:53.240 --> 0:04:54.000
<v Speaker 3>They're like, girl, you.

0:04:53.960 --> 0:04:58.760
<v Speaker 1>Thought so you sometimes okay, yeah, sometimes you need to

0:04:58.800 --> 0:05:02.280
<v Speaker 1>like ask because yes, most of the time, I think

0:05:02.360 --> 0:05:04.880
<v Speaker 1>up until a certain amount, it's like if you have

0:05:04.960 --> 0:05:07.760
<v Speaker 1>more than five hundred, I think you lose it. Yeah,

0:05:07.880 --> 0:05:10.120
<v Speaker 1>sometimes it can a little bit can roll over to

0:05:10.160 --> 0:05:12.880
<v Speaker 1>the next year, but typically it is like a use

0:05:12.960 --> 0:05:14.600
<v Speaker 1>most of it or lose it kind of situation.

0:05:14.839 --> 0:05:19.720
<v Speaker 4>So hsas don't have that, which is great. So any

0:05:19.880 --> 0:05:22.520
<v Speaker 4>used funds and your HSA will automatically roll over to

0:05:22.560 --> 0:05:24.680
<v Speaker 4>the next year and to continue to grow tax free,

0:05:24.720 --> 0:05:27.160
<v Speaker 4>which is great. So then you can still use these

0:05:27.160 --> 0:05:32.800
<v Speaker 4>funds for medical expenses. So with that being said, what

0:05:32.839 --> 0:05:34.400
<v Speaker 4>I really like about it too, you can keep your

0:05:34.440 --> 0:05:37.960
<v Speaker 4>account even if you change jobs, retire, or are terminated.

0:05:38.160 --> 0:05:40.640
<v Speaker 3>Okay, So they're portable, which is really great.

0:05:40.880 --> 0:05:44.599
<v Speaker 4>And hsas can also be invested, which I don't think

0:05:44.800 --> 0:05:47.680
<v Speaker 4>you know, which sounds like crazy, but it's really awesome.

0:05:47.680 --> 0:05:51.000
<v Speaker 4>So you can invest a portion of your HSA balance

0:05:51.240 --> 0:05:52.920
<v Speaker 4>once you have at least a thousand dollars in your

0:05:52.920 --> 0:05:56.400
<v Speaker 4>account before you can open though an investment account. Most

0:05:56.600 --> 0:05:59.040
<v Speaker 4>HSA's are going to require you to maintain a minimum

0:05:59.080 --> 0:06:02.560
<v Speaker 4>cast balance to come for healthcare costs, and so just

0:06:02.600 --> 0:06:07.000
<v Speaker 4>keeping keep that in mind. Yeah, So here's the thing.

0:06:07.080 --> 0:06:09.640
<v Speaker 4>So you can definitely invest in mutual funds. Sometimes you

0:06:09.680 --> 0:06:13.400
<v Speaker 4>can invest in index funds, even dividend funds. Individual stocks,

0:06:13.400 --> 0:06:17.680
<v Speaker 4>some of them won't let you do. Now here's the thing,

0:06:18.640 --> 0:06:21.560
<v Speaker 4>young young whipper snapper who is like.

0:06:22.000 --> 0:06:23.960
<v Speaker 3>Should I you know, like, I don't need it.

0:06:23.960 --> 0:06:27.800
<v Speaker 4>I'm I'm healthy, which is great because you can run

0:06:27.880 --> 0:06:28.839
<v Speaker 4>it over year by year.

0:06:29.600 --> 0:06:31.839
<v Speaker 3>What's young and healthy one year? Is I need the

0:06:31.839 --> 0:06:34.920
<v Speaker 3>money the next year. So it's something to keep in mind.

0:06:35.080 --> 0:06:38.440
<v Speaker 4>So for example, I just went to the dentist and

0:06:38.480 --> 0:06:42.040
<v Speaker 4>your girl has a crown that I've had for quite

0:06:42.080 --> 0:06:44.920
<v Speaker 4>some time, and I should have had a replace, but honestly,

0:06:44.960 --> 0:06:45.440
<v Speaker 4>I was grieving.

0:06:45.440 --> 0:06:46.720
<v Speaker 3>Girl wasn't the right thinking about that.

0:06:46.880 --> 0:06:49.200
<v Speaker 4>And so as a result, I now have to like

0:06:49.240 --> 0:06:51.039
<v Speaker 4>get it taken off because I have like that there's

0:06:51.080 --> 0:06:53.640
<v Speaker 4>some like cavity underneath it and blah blah blah blah,

0:06:53.680 --> 0:06:55.680
<v Speaker 4>and it's costing me more than what my insurance is

0:06:55.720 --> 0:06:57.719
<v Speaker 4>going to cover. So I have to come out of pocket,

0:06:57.960 --> 0:07:00.200
<v Speaker 4>I don't know, like twelve hundred dollars or something like that.

0:07:00.400 --> 0:07:04.360
<v Speaker 1>Toile insurance is notoriously the worst and least useful.

0:07:04.400 --> 0:07:05.919
<v Speaker 3>I'm just like I just it just allowed me to

0:07:05.920 --> 0:07:06.719
<v Speaker 3>say I'm here.

0:07:08.760 --> 0:07:10.360
<v Speaker 4>So I'm just saying that to say that, like, even

0:07:10.360 --> 0:07:12.720
<v Speaker 4>though you're young and all the other stuff that you

0:07:12.760 --> 0:07:16.480
<v Speaker 4>don't know, you don't know what life can bring, so

0:07:16.520 --> 0:07:17.720
<v Speaker 4>you want to be mindful that.

0:07:17.840 --> 0:07:19.520
<v Speaker 3>Like the good thing about HSA is that it can

0:07:19.560 --> 0:07:20.560
<v Speaker 3>build and build and build.

0:07:20.920 --> 0:07:23.640
<v Speaker 4>So not all money it's meant to be put to work.

0:07:24.000 --> 0:07:27.000
<v Speaker 4>Some money is meant to protect you, you know, in

0:07:27.040 --> 0:07:30.720
<v Speaker 4>an evident because inevitably everyone needs some sort of health

0:07:31.240 --> 0:07:33.840
<v Speaker 4>like coverage. So I just would just say, just be

0:07:33.880 --> 0:07:37.080
<v Speaker 4>mindful before putting it all into the market, really asking

0:07:37.120 --> 0:07:38.600
<v Speaker 4>yourself how much do you want to have set aside,

0:07:38.600 --> 0:07:40.280
<v Speaker 4>because no one wants to come out of pocket two, three,

0:07:40.400 --> 0:07:43.640
<v Speaker 4>four or five six thousand dollars, you know, when that

0:07:43.720 --> 0:07:46.000
<v Speaker 4>money can been sitting in your HSA waiting for you.

0:07:48.440 --> 0:07:50.680
<v Speaker 1>Well, I just wanted to point out some fine print

0:07:50.680 --> 0:07:53.440
<v Speaker 1>with the HSA because I've actually never had an HSA

0:07:53.560 --> 0:07:56.840
<v Speaker 1>because I was never I never chose the high deductible

0:07:56.840 --> 0:08:00.440
<v Speaker 1>health plan. So typically when you have you have to

0:08:00.480 --> 0:08:03.840
<v Speaker 1>your company wherever you get your insurance, you typically need

0:08:03.880 --> 0:08:08.400
<v Speaker 1>to have a high deductible health plan, and that for example,

0:08:08.440 --> 0:08:10.040
<v Speaker 1>that is when you have a health plan that is

0:08:10.040 --> 0:08:12.720
<v Speaker 1>typically a lower premium each out of your paycheck or

0:08:12.720 --> 0:08:15.360
<v Speaker 1>each month that you pay and in exchange for that,

0:08:15.520 --> 0:08:17.240
<v Speaker 1>so it's cheaper. A lot of young people go for

0:08:17.280 --> 0:08:19.240
<v Speaker 1>the HSA because they don't have a lot of health

0:08:19.280 --> 0:08:23.320
<v Speaker 1>issues and they don't mind having that high deductible, you know.

0:08:23.360 --> 0:08:25.520
<v Speaker 1>It seems like a cost benefit of like, well, I'll

0:08:25.560 --> 0:08:28.480
<v Speaker 1>save money in the short term by not having high premiums,

0:08:28.960 --> 0:08:32.000
<v Speaker 1>but then you have that like little bit of a

0:08:32.200 --> 0:08:35.040
<v Speaker 1>risk of what if something does happen, and then your

0:08:35.080 --> 0:08:38.400
<v Speaker 1>deductible is like, I don't know, eight thousand dollars and

0:08:38.559 --> 0:08:40.440
<v Speaker 1>you have to come out of pocket for that. So

0:08:40.520 --> 0:08:44.280
<v Speaker 1>that's something to consider in order to even be eligible

0:08:44.320 --> 0:08:46.680
<v Speaker 1>for an HSA. And the other thing is that there's

0:08:46.720 --> 0:08:48.680
<v Speaker 1>a limit on it. I just looked it up because

0:08:48.760 --> 0:08:51.080
<v Speaker 1>my info is so old from back when I was

0:08:51.120 --> 0:08:53.880
<v Speaker 1>reporting on this kind of stuff. Now, the limit, I

0:08:53.880 --> 0:08:55.440
<v Speaker 1>think back when I was reporting on it was about

0:08:55.440 --> 0:08:58.000
<v Speaker 1>three thousand. Now the limit is four thousand and one

0:08:58.120 --> 0:09:01.320
<v Speaker 1>hundred and fifty dollars per year for twenty twenty four

0:09:02.320 --> 0:09:05.960
<v Speaker 1>and for a family it's eight thousand, three hundred dollars.

0:09:06.600 --> 0:09:09.600
<v Speaker 1>So the good news is that that limit has been

0:09:09.679 --> 0:09:13.640
<v Speaker 1>increasing definitely, probably due to inflation and all of that,

0:09:14.120 --> 0:09:18.280
<v Speaker 1>but just some quid pro ques you will.

0:09:19.760 --> 0:09:21.960
<v Speaker 4>Yeah, and so like, Honestly, HSA is just one of

0:09:21.960 --> 0:09:25.280
<v Speaker 4>the best accounts for saving for retirement, for setting time

0:09:25.360 --> 0:09:28.240
<v Speaker 4>money for potential.

0:09:27.559 --> 0:09:28.320
<v Speaker 1>Help them fire.

0:09:28.360 --> 0:09:31.520
<v Speaker 4>People love it, they do, honey, because honestly, where are

0:09:31.520 --> 0:09:33.880
<v Speaker 4>you going to find a triple tax advantage account where

0:09:34.679 --> 0:09:37.160
<v Speaker 4>you know that like, one, you know you save, I'm

0:09:37.200 --> 0:09:40.320
<v Speaker 4>paying taxes now, Two it's allowed to grow tax free,

0:09:40.320 --> 0:09:41.920
<v Speaker 4>and three if you use in a specific way, you

0:09:41.920 --> 0:09:43.200
<v Speaker 4>don't have to pay tax on it later.

0:09:43.480 --> 0:09:44.760
<v Speaker 3>It's like bam, bam bam.

0:09:44.840 --> 0:09:47.960
<v Speaker 4>Because typically for example, your four one K, they're you

0:09:48.000 --> 0:09:50.520
<v Speaker 4>know the tax benefit is, Hey, it lowers my taxes now,

0:09:50.559 --> 0:09:52.319
<v Speaker 4>but I pay taxes later when I retire.

0:09:52.880 --> 0:09:55.480
<v Speaker 3>A row IRA is the opposite.

0:09:55.520 --> 0:09:57.160
<v Speaker 4>It's like, I pay taxes on it now, but I

0:09:57.160 --> 0:09:59.120
<v Speaker 4>don't have to pay taxes on the growth and pull

0:09:59.160 --> 0:10:03.000
<v Speaker 4>it out later. But this is like way you don't

0:10:03.000 --> 0:10:05.160
<v Speaker 4>play taxes on when I put it in, I don't

0:10:05.160 --> 0:10:07.559
<v Speaker 4>play taxes on the growth, and I don't play taxes

0:10:07.600 --> 0:10:08.800
<v Speaker 4>when I take it out if I use it in

0:10:08.800 --> 0:10:11.520
<v Speaker 4>a specific way. So it's it's one of these rare

0:10:11.559 --> 0:10:15.319
<v Speaker 4>accounts that you have one maximizing it isn't your best

0:10:15.360 --> 0:10:18.160
<v Speaker 4>interest because you know they don't come along. You know,

0:10:18.200 --> 0:10:21.040
<v Speaker 4>it's like a triple what like it's like Beyonce sing

0:10:21.200 --> 0:10:23.760
<v Speaker 4>dance you know and act product.

0:10:23.960 --> 0:10:26.320
<v Speaker 3>I was gonna say, no, who is it? Kik who's

0:10:26.360 --> 0:10:26.760
<v Speaker 3>a good one?

0:10:26.840 --> 0:10:30.160
<v Speaker 1>And y'all know I love me some by Kiki. Yes,

0:10:30.400 --> 0:10:34.360
<v Speaker 1>she's a triple threat. Beyonce's triple threat is hair care.

0:10:35.120 --> 0:10:37.160
<v Speaker 4>Yeah, I get, but I feel like Kiki, I canna

0:10:37.160 --> 0:10:40.320
<v Speaker 4>say Brandy, but Brandy can't dance because she can see

0:10:40.440 --> 0:10:42.199
<v Speaker 4>is You're not the best actress either.

0:10:43.440 --> 0:10:46.200
<v Speaker 1>I saw her Hallmark movie No Come On.

0:10:46.160 --> 0:10:48.040
<v Speaker 4>Now, not Moesha. Well, I don't know if that was

0:10:48.080 --> 0:10:50.319
<v Speaker 4>great acting, but we all love movies.

0:10:50.400 --> 0:10:56.080
<v Speaker 1>You love Brandy and always will forever. And well, what

0:10:56.080 --> 0:10:57.080
<v Speaker 1>were we talking about?

0:10:57.360 --> 0:10:59.960
<v Speaker 4>I'm like triple threats because we're talking about a triple threat.

0:11:00.240 --> 0:11:03.320
<v Speaker 4>But do we know who the trouble thread of these days? Honestly,

0:11:04.520 --> 0:11:05.480
<v Speaker 4>Kiki Palmer is a.

0:11:05.400 --> 0:11:07.680
<v Speaker 1>Really good one because that bitch can do everything and.

0:11:07.880 --> 0:11:17.120
<v Speaker 5>Bitch, I mean like she it's true, but I'm not

0:11:17.280 --> 0:11:18.800
<v Speaker 5>dang we what about her?

0:11:19.160 --> 0:11:22.920
<v Speaker 1>Her? Herd Oh does it have to be dancing. I

0:11:22.960 --> 0:11:26.120
<v Speaker 1>thought it was singing acting. Oh okay, never mind. Yeah,

0:11:26.200 --> 0:11:31.840
<v Speaker 1>Tianna Taylor, Tiana Taylor, Taylor acted her ass. Yes in

0:11:31.840 --> 0:11:34.920
<v Speaker 1>one thousand and one. That's a beautiful film. And I

0:11:34.920 --> 0:11:36.959
<v Speaker 1>don't know why she didn't get nominated for anything.

0:11:38.160 --> 0:11:39.800
<v Speaker 3>Taylor, she's one of the few.

0:11:40.000 --> 0:11:43.240
<v Speaker 4>And I would say Mary, I mean because we love

0:11:43.280 --> 0:11:43.920
<v Speaker 4>Mary's dance.

0:11:43.960 --> 0:11:46.599
<v Speaker 3>I mean I don't know her a dancer, remember she

0:11:46.840 --> 0:11:49.680
<v Speaker 3>almost does she get that? Ask her because the acting

0:11:49.760 --> 0:11:50.760
<v Speaker 3>was her point.

0:11:50.960 --> 0:11:53.880
<v Speaker 4>But I don't know if dancing and singing it depends

0:11:53.920 --> 0:11:55.280
<v Speaker 4>on favorite.

0:11:55.640 --> 0:11:57.680
<v Speaker 1>There's only that have like a handful of reels that

0:11:57.720 --> 0:11:59.240
<v Speaker 1>I go back to you on a rainy day when

0:11:59.240 --> 0:12:00.800
<v Speaker 1>I just need to be cheered up. And it's not

0:12:00.840 --> 0:12:05.679
<v Speaker 1>even her, but it's like the Merry impersonation. The boots,

0:12:05.920 --> 0:12:08.080
<v Speaker 1>but she had those, like she has those really expensive

0:12:08.080 --> 0:12:11.320
<v Speaker 1>boots now, like there rose something. Yes, I don't know

0:12:11.360 --> 0:12:13.760
<v Speaker 1>what brand it is, but there are thousands of dollars, yes,

0:12:14.440 --> 0:12:16.040
<v Speaker 1>and there's one of a girl dancing in those and

0:12:16.080 --> 0:12:17.760
<v Speaker 1>it's like the dance moves came as well.

0:12:18.120 --> 0:12:22.560
<v Speaker 4>Yes, there are not many triple threats, y'all know. Some

0:12:22.600 --> 0:12:24.360
<v Speaker 4>triple threats sign our DMS and let us know or

0:12:24.360 --> 0:12:27.880
<v Speaker 4>tweet us DBA podcasts and because I loved, like, what

0:12:28.040 --> 0:12:30.000
<v Speaker 4>is a choice a true triple threat? Man?

0:12:30.160 --> 0:12:32.400
<v Speaker 1>Would you call Jennifer low peznger girl?

0:12:32.559 --> 0:12:36.319
<v Speaker 3>Stop because where is the singing? The dancing?

0:12:36.400 --> 0:12:36.520
<v Speaker 4>Yes?

0:12:36.720 --> 0:12:37.720
<v Speaker 3>No, we're left.

0:12:37.760 --> 0:12:40.520
<v Speaker 1>Real singing there. Yea's beautiful because.

0:12:40.200 --> 0:12:43.600
<v Speaker 4>First of all, I've heard her set skin of no

0:12:43.840 --> 0:12:47.679
<v Speaker 4>we all the acting, no, the singing.

0:12:47.600 --> 0:12:50.200
<v Speaker 1>Question on the record, defending j Lo and many times.

0:12:50.400 --> 0:12:51.280
<v Speaker 1>And dance.

0:12:51.320 --> 0:12:52.160
<v Speaker 3>I think she could dance?

0:12:52.280 --> 0:12:53.200
<v Speaker 1>Can she dance?

0:12:55.600 --> 0:12:58.240
<v Speaker 3>That is okay, we're gonna give her dancing all right.

0:12:58.320 --> 0:13:01.560
<v Speaker 1>Other triple threats I google it. We have Lady Gaga.

0:13:01.559 --> 0:13:02.240
<v Speaker 1>That's a good one.

0:13:02.440 --> 0:13:08.440
<v Speaker 3>Oh yes, yeah, she definite act. Yeah that's true. Okay,

0:13:08.480 --> 0:13:08.920
<v Speaker 3>who else?

0:13:09.640 --> 0:13:10.680
<v Speaker 1>Alicia Keys is not?

0:13:11.160 --> 0:13:12.280
<v Speaker 5>I mean who said that?

0:13:13.360 --> 0:13:13.680
<v Speaker 4>You know what?

0:13:13.800 --> 0:13:16.400
<v Speaker 1>Tiff like, I think that you were including dance and

0:13:16.440 --> 0:13:19.440
<v Speaker 1>I don't think it'll dance is necessarily. I think triple

0:13:19.520 --> 0:13:22.920
<v Speaker 1>threat is like three page that's true because like Zendaya

0:13:23.080 --> 0:13:24.880
<v Speaker 1>is here, although she can do all those things and

0:13:24.960 --> 0:13:28.000
<v Speaker 1>Deya is a good one her as off. You saw

0:13:28.000 --> 0:13:32.600
<v Speaker 1>her Bruno Mars tribute karaoke, so her and Tom Holland

0:13:32.600 --> 0:13:36.280
<v Speaker 1>both went on that karaoke dance show with John Kristinski

0:13:36.559 --> 0:13:39.720
<v Speaker 1>or whoever Jimmy fallon one of them. Yeah, and she

0:13:39.840 --> 0:13:42.760
<v Speaker 1>was Bruno Mars and she did the most epic impersonation.

0:13:42.840 --> 0:13:46.400
<v Speaker 1>And then Tom Holland was Rihanna and he also did

0:13:46.400 --> 0:13:49.040
<v Speaker 1>a it was hard. They were so good.

0:13:49.400 --> 0:13:50.720
<v Speaker 3>Okay, so we got some people.

0:13:51.200 --> 0:13:56.280
<v Speaker 1>Yeah, what were Queen Latifa? Donald Glove? I love Queen

0:13:56.320 --> 0:13:59.520
<v Speaker 1>Latifa Rihanna herself, she asks.

0:13:59.720 --> 0:14:03.640
<v Speaker 4>I say, we just know she's that bitch, but I

0:14:03.640 --> 0:14:05.920
<v Speaker 4>don't know if she's that bitch. Bitch bitch, you know

0:14:05.960 --> 0:14:06.400
<v Speaker 4>what I mean?

0:14:06.880 --> 0:14:09.320
<v Speaker 1>And once again I have landed, Like I'm on the

0:14:09.360 --> 0:14:11.520
<v Speaker 1>boat with you and I'm rowing, do you know what

0:14:11.559 --> 0:14:14.680
<v Speaker 1>I mean? Like? I support this trip? But where are

0:14:14.679 --> 0:14:15.120
<v Speaker 1>we going?

0:14:15.880 --> 0:14:16.880
<v Speaker 3>No, because we're just so much.

0:14:16.880 --> 0:14:18.080
<v Speaker 1>Are we going on this boat?

0:14:18.320 --> 0:14:21.400
<v Speaker 4>Because we're saying the HSA is a trip friend and

0:14:21.520 --> 0:14:22.680
<v Speaker 4>so we're gonna bring it on back.

0:14:22.800 --> 0:14:23.520
<v Speaker 3>All right, y'all?

0:14:24.360 --> 0:14:26.240
<v Speaker 1>Any other land I see land right?

0:14:26.320 --> 0:14:29.080
<v Speaker 3>If you have any other financial triple threats, let us

0:14:29.280 --> 0:14:34.840
<v Speaker 3>know before we sign off. Do we have any new

0:14:34.840 --> 0:14:35.920
<v Speaker 3>reviews that we want to read?

0:14:36.040 --> 0:14:37.560
<v Speaker 1>Oh? I think yes, we have a new one. Let

0:14:37.560 --> 0:14:38.200
<v Speaker 1>me just shake up my.

0:14:38.160 --> 0:14:41.479
<v Speaker 3>Mind while she's While Mandy is finding the reviews. Please

0:14:41.760 --> 0:14:42.400
<v Speaker 3>leave us.

0:14:42.320 --> 0:14:46.200
<v Speaker 4>Some glorious reviews wherever you listen, but especially if you

0:14:46.200 --> 0:14:48.880
<v Speaker 4>are listening on Apple podcasts, because it helps the girls

0:14:48.880 --> 0:14:51.320
<v Speaker 4>find us, it helps you know the algorithm algorithm in

0:14:51.320 --> 0:14:54.120
<v Speaker 4>our favor, and plus we just love reading that you

0:14:54.200 --> 0:14:55.240
<v Speaker 4>might get read out land.

0:14:55.320 --> 0:14:57.880
<v Speaker 1>Okay, Okay, It just means a lot because a lot

0:14:57.880 --> 0:15:00.400
<v Speaker 1>of people take their time to leave both shit on

0:15:00.400 --> 0:15:02.920
<v Speaker 1>the internet and like you know, negativity and you guys

0:15:02.960 --> 0:15:05.040
<v Speaker 1>have taken some time to just put some positive vibes

0:15:05.040 --> 0:15:07.880
<v Speaker 1>out there, and I love you for that. Today, the

0:15:08.000 --> 0:15:11.720
<v Speaker 1>day after America's Birthday, Kaises two thousand got on Apple

0:15:11.760 --> 0:15:14.040
<v Speaker 1>Podcasts and said this about brand ambition, and we just

0:15:14.200 --> 0:15:18.760
<v Speaker 1>thank you. She says, down to earth, relatable and informative,

0:15:18.840 --> 0:15:23.000
<v Speaker 1>all in one. You two are life ladies. The weekly

0:15:23.080 --> 0:15:27.520
<v Speaker 1>informational key key is much needed everything from financial, business

0:15:27.520 --> 0:15:30.040
<v Speaker 1>advice to family You ladies are a breath of fresh

0:15:30.080 --> 0:15:33.320
<v Speaker 1>air each week sharing your real life experiences. Keep it coming.

0:15:33.840 --> 0:15:37.080
<v Speaker 1>Years later and you're still blazing with informative and educational

0:15:37.120 --> 0:15:40.680
<v Speaker 1>info that holds our retention and makes us think about

0:15:40.720 --> 0:15:44.000
<v Speaker 1>how finance, personal growth, and business are essential to this

0:15:44.040 --> 0:15:49.080
<v Speaker 1>thing we call adult Tank. Thanks ladies and another triple

0:15:49.120 --> 0:15:51.280
<v Speaker 1>excavation mark. Yeah, oh look at.

0:15:51.320 --> 0:15:55.520
<v Speaker 3>Hous getting one two three, Okay, we're two love that

0:15:55.520 --> 0:15:56.880
<v Speaker 3>that could be all. I'll see you see that.

0:15:56.960 --> 0:15:59.200
<v Speaker 4>We can be reading and pouring life back into you

0:15:59.240 --> 0:16:02.160
<v Speaker 4>as well if you left this review and we'll see

0:16:02.200 --> 0:16:03.080
<v Speaker 4>you on Monday, because you know.

0:16:03.040 --> 0:16:05.960
<v Speaker 3>We are trouble. Thre it Monday, Wednesday, Friday, b A.

0:16:06.640 --> 0:16:09.120
<v Speaker 1>The best things come in threes. It's the power of

0:16:09.160 --> 0:16:11.920
<v Speaker 1>threes is truly very strong. Do we need a third

0:16:12.040 --> 0:16:18.960
<v Speaker 1>co host? Okay, it's great, Thank you, BA fan, that's

0:16:19.000 --> 0:16:22.960
<v Speaker 1>so amazing. Again, Brand Ambission Podcast on ig you can

0:16:23.000 --> 0:16:25.200
<v Speaker 1>leave us a review on Apple Podcasts. That is the

0:16:25.240 --> 0:16:28.040
<v Speaker 1>place to do it. Five stars would be wonderful. Believe

0:16:28.160 --> 0:16:30.280
<v Speaker 1>honest reviews too, because I don't read them before I

0:16:30.320 --> 0:16:32.480
<v Speaker 1>read them on the show. So if you say some

0:16:32.720 --> 0:16:36.640
<v Speaker 1>you know, feedback is fine. Feedback is fine, but thank you,

0:16:36.800 --> 0:16:40.520
<v Speaker 1>so keep it compute. Yeah, you can also d m

0:16:40.640 --> 0:16:43.480
<v Speaker 1>us you know what I mean, like on the Private Way.

0:16:45.440 --> 0:16:48.440
<v Speaker 1>Thank y'all so much so, and we'll see you Monday, Wednesday, Friday.

0:16:48.880 --> 0:16:50.720
<v Speaker 1>Bye bye,