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Speaker 1: It's time for the b a q A. The b

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Speaker 1: a q A. Okay, the b a qa. Do you

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Speaker 1: have a question about business, entrepreneurship, career, life. Well, not

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Speaker 1: so much to life because we still try to live

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Speaker 1: it ourselves to out, but you know the other stuff.

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Speaker 1: Me and Manjol are here for weekly Brown Ambition Question

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Speaker 1: and Answer.

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Speaker 2: Yes, ma'am, all right, we have some really good questions.

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Speaker 2: If y'all want to drop us a question, just go

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Speaker 2: to Brandiebission podcast dot com and you can click ask

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Speaker 2: us anything to submit a question. Also, hit us up

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Speaker 2: on Instagram. We are at Brandibision podcast. We are checking

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Speaker 2: your questions there as well. Today we have a couple

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Speaker 2: of home questions, so some interesting juicy ones. Let's start

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Speaker 2: with this question from Charlotte. Charlotte said Mandy in all caps.

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Speaker 2: Siftany is here too, Charlotte. Okay, so it was media

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Speaker 2: and Tiffany. What are the pros and cons of a

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Speaker 2: hee lock? For those who don't know, a helock stands

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Speaker 2: for a home equity line of credit. Charlotte says, my

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Speaker 2: home has about sixty thousand dollars of equity and I

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Speaker 2: would like to tap into that to have several projects done.

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Speaker 2: I was fortunate to buy a foreclosed home in twenty

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Speaker 2: fifteen for only fifty thousand dollars. That doesn't need any

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Speaker 2: expensive or large projects. I've been slowly refreshing it. My

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Speaker 2: home is currently valued at about one hundred and twenty

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Speaker 2: five thousand by my county assessor. Okay, so that's how

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Speaker 2: she's getting that equity.

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Speaker 1: Yes, first fault. Let's give you a round of applause. Charlotte, yes, card, Yes,

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Speaker 1: we stand a queen, Why a smart queen. I'm going

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Speaker 1: to assume that you bought the fourth closed home for

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Speaker 1: the fifty thousand cash. I'm assuming just because typically foreclosure

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Speaker 1: is at that amount. They're not financing. So let's just

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Speaker 1: assume that she doesn't have a mortgage, which is important

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Speaker 1: to understand. So home atically home equity line of credit

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Speaker 1: aka he lock means like you basically hat your home,

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Speaker 1: almost like a credit card. I came in like a

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Speaker 1: credit card.

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Speaker 2: Name that song Mandy, oh shit, Miley Cyrus wrecking Ball record.

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Speaker 2: You never know when this song trivia is going to come.

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Speaker 2: Didn't think it'd be in a helocked conversation, but I'm down.

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Speaker 1: So that just means that Charlotte had Charlotte, I was

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Speaker 1: gonna do this too, this whole equery line of credit,

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Speaker 1: because I was like, Okay, basically it means that Charlotte,

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Speaker 1: I mean, you could do this even if you don't

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Speaker 1: own your home straight out. But she can borrow the

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Speaker 1: money up to a certain amount. Like let's just say

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Speaker 1: she to make the math easy, let's just say, Charlotte,

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Speaker 1: you know the house is worth a hundred thousand, and

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Speaker 1: she put fifty thousand in it or whatever. They don't

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Speaker 1: let you take out the full amount of what all

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Speaker 1: of your equity. They don't because they're like, girl, you

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Speaker 1: tried it. Instead, they let you take out a percentage.

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Speaker 1: Don't quote me. I think it's around no more than

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Speaker 1: sixty percent, or saying something like that, but don't quote me.

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Speaker 2: Seeing up to eighty five.

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Speaker 1: Okay, perhaps yeah, on.

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Speaker 2: The bank, yes it does.

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Speaker 1: But if the benefits of Helock's because there's certainly cons

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Speaker 1: but one of the benefits of Helock is that typically

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Speaker 1: the interest rate is more reasonable because the bank actually

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Speaker 1: has a tangible thing or tangible things to say, if

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Speaker 1: Charlotte don't pay me, guess what we're gonna do. Snatch

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Speaker 1: that house child? You know, So typically a helock. The

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Speaker 1: interest rates are a little bit better, but some of

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Speaker 1: the cons our interest rates are up overall. Charlotte, I'm

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Speaker 1: assuming that you don't have a mortgage, and so I

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Speaker 1: don't know if you like me, but I'm like not

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Speaker 1: having any more rtgage. But some of the benefits also too,

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Speaker 1: is that you said several projects done. I'm assuming that

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Speaker 1: you're wanting to fix stuff on the house, which would

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Speaker 1: if you do so carefully, Charlotte and I will reach

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Speaker 1: out to a real term and I would see a contra,

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Speaker 1: a knowledgeable contractor that what things can you fix where

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Speaker 1: you'll get a return on that investment. So it could

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Speaker 1: actually she could take the money out. Say she took out,

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Speaker 1: you know, twenty thousand dollars, fixed up some bathrooms and

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Speaker 1: got the return of thirty thousand dollars. So there are

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Speaker 1: pros and cons that we just share with you. But Mandy,

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Speaker 1: do you have some that maybe I'm missing?

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Speaker 2: Yeah, I mean you mentioned the biggest con, which is

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Speaker 2: that your home is tied to it, so if you default,

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Speaker 2: then they can take your whole entire house, which is unfortunately. Yeah,

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Speaker 2: that's for collateral, but that's why the rates can be lower.

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Speaker 2: You know, and also with a helock, So there's there's

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Speaker 2: a couple, you know, without getting like two two technical.

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Speaker 2: There's a home equity loan which is like a lump

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Speaker 2: sum loan, and a home equity line of credit, which

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Speaker 2: is kind of like Tiffany said, it's more like a

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Speaker 2: credit card. You don't have to use you.

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Speaker 1: Don't they don't give you the full amount.

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Speaker 2: You basically you know, you you make draws on that

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Speaker 2: line as you need it, so you may not actually

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Speaker 2: end up using all of your entire line, depending on

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Speaker 2: how much work you need to have done. So it's

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Speaker 2: a little bit more flexible in that way. And then

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Speaker 2: you but you have to be clear on what your

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Speaker 2: draw period is and then when you'd have to start

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Speaker 2: making payments on that, so looking at the fine print

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Speaker 2: is important. You don't have to use your loan, although

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Speaker 2: it sounds like you are for home improvements, which is smart,

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Speaker 2: but you don't have to use use it for home improvements.

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Speaker 2: You know, you can use home equity loans or helocks

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Speaker 2: for other expenses as well, debt consolidation being another one.

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Speaker 2: So it's a cool tool. It's also another piece of

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Speaker 2: power for home ownership. It gives you that additional leverage.

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Speaker 1: I don't know why it.

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Speaker 2: Took me so damn long for it to click in

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Speaker 2: my mind that when people said, I'm taking out another

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Speaker 2: mortgage on my home, this is what they're talking about.

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Speaker 2: They're talking about taking out a home equity loan, where

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Speaker 2: you are essentially again taking out a loan against the

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Speaker 2: value of your home. And second mortgages sound really scary,

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Speaker 2: and they can be. It doesn't sound like a good idea, right,

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Speaker 2: like why would I take out more debt against my home?

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Speaker 2: But if you are in a position, like Tiff said,

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Speaker 2: where you can make an investment with that money that

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Speaker 2: ends up benefiting you in the long run, then it

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Speaker 2: can be a lot smarter than potentially for example, you know,

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Speaker 2: going into your cash savings account and taking a bunch

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Speaker 2: of cash out. You know, in this way you can

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Speaker 2: make the improvement slowly and take advantage of low rates

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Speaker 2: and keep your own cash flow like keeping your own

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Speaker 2: cash in the bank. Yeah, and keep it yeah flowing,

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Speaker 2: keep it flowing and available for you.

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Speaker 1: Because I remember, Manny, this is when I got like

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Speaker 1: the the the low. Also to Charlotte, if you are

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Speaker 1: a sister, you run the risk of having your home

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Speaker 1: under praised. I know your tax ascessor said, so remember

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Speaker 1: this because remember the reason why I know all this,

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Speaker 1: because I too was looking into a heloc last year.

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Speaker 1: Was it last year or the year before, if y'all remember, So,

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Speaker 1: my husband and I we have two properties. One well

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Speaker 1: both of them are paid off, but one was like

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Speaker 1: our rental property, and we were considering pulling money out

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Speaker 1: to put it into the market because the market was

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Speaker 1: going up, up, up, honey. And like the house, although

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Speaker 1: it was appreciating in value, meaning becoming more and more valuable,

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Speaker 1: it wasn't as going up as fast as the market was.

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Speaker 1: So I was like, well, we could take out maybe

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Speaker 1: one hundred thousand dollars, put into the market, you know,

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Speaker 1: get back whatever the market was gonna yield, and then

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Speaker 1: pay off the loan and then have some extra money

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Speaker 1: from our pocket. But unfortunately, the actually it was my

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Speaker 1: personal private home. The appraiser under appraised us by about

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Speaker 1: like forty to fifty thousand dollars. Because black and so

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Speaker 1: I can say that like definitively, because I mean they

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Speaker 1: have so many articles. I mean, actually the I think

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Speaker 1: that it was a Washington Post forte an article about me.

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Speaker 1: I think maybe the New York Times had interviewed me

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Speaker 1: as well, but yeah, they found that it was definitely

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Speaker 1: under appraise because our house was brand new, like some

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Speaker 1: of the things that he wrote was like normal wear

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Speaker 1: in tear, like every hinge on the door was brand new.

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Speaker 1: The house we had finished renovations six months prior what

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Speaker 1: we're in Taar. We hadn't even lived here really yet.

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Speaker 1: So anyway, so you run the risk of that as well.

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Speaker 1: You might want to look for a a appraiser of

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Speaker 1: some melanin if you are melanated, or do with My

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Speaker 1: husband and I had decided that we were gonna do,

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Speaker 1: which was to get our white friend Katherine, hey, Catherine

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Speaker 1: to be to be me in the house, which is

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Speaker 1: really terrible, but that's what we were gonna do. So

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Speaker 1: just keep that in mind that that's the potential too.

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Speaker 1: But you sound pretty pretty responsible. So if you brought

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Speaker 1: a foreclosure four, you've already seen this increase. Just be

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Speaker 1: mindful that you know money costs, so just make the

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Speaker 1: most of it.

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Speaker 2: Yeah, well, thank you for your question, Charlotte.

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Speaker 1: Thank you all right.

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Speaker 2: Another one, this one comes from listener cec all Right says, hey, Mandya.

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Speaker 1: Wait CC do you love me name? That song isn't

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Speaker 1: a kiki it is?

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Speaker 2: But like, yeah, that's right, yes, Drake, Shit, what's it called?

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Speaker 1: I don't even know if it is. I don't know

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Speaker 1: if you're writing it. But at least you knew, Drake.

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Speaker 2: That's good at that I could do the song from TikTok.

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Speaker 2: I mean the dance from TikTok that's where you had

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Speaker 2: to get out of the car while I was still moving. Right, Yes,

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Speaker 2: all right, go ahead, okay, CC says Mandy, Thank you,

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Speaker 2: oh sending thanks for how you've maintained the show in

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Speaker 2: Tiffany's time of healing. I hope Tiffany feels all the

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Speaker 2: love being sent her a way I do think I

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Speaker 2: thanks CC. CC says I recently bought my first property

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Speaker 2: and moved out of my old apartment in February. I'm

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Speaker 2: in the same city and have the same utility companies,

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Speaker 2: but new accounts. Today, I've received a call from a

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Speaker 2: collections agency saying I didn't pay the final gas bill,

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Speaker 2: which was due in March. The amount is only thirty

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Speaker 2: five dollars, but I don't remember getting that bill or

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Speaker 2: any past you notices. It's completely possible that I lost

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Speaker 2: track of it during the move. I went ahead and

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Speaker 2: paid it, but now I'm worried that my credit score

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Speaker 2: will be negatively impacted. I've had a perfect payment history

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Speaker 2: on all of my accounts for almost fifteen years, and

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Speaker 2: now I'm worried that I've ruined it over thirty five dollars.

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Speaker 2: Please tell me what I should do. Oh, CC, It's

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Speaker 2: gonna be okay.

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Speaker 1: Yes, First of all, CC, let me tell you something

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Speaker 1: like I one of my credit cards, I totally forgot

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Speaker 1: to make a payment and I thought I had automated,

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Speaker 1: but I guess I didn't, and so yo JIWD. My

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Speaker 1: credit score went from and this is recently an eight

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Speaker 1: oh two Mandy to a six eighty seven.

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Speaker 2: No.

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Speaker 1: I was like, the audacity, the goal is.

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Speaker 2: That like super duper late? How late are we?

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Speaker 1: Oh? I mean honestly, probably like a monthly. I didn't

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Speaker 1: even know, Like I went in too.

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Speaker 2: Look, I was like, wait what because everything credit card

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Speaker 2: payments too, because I'm very disorganized sometimes.

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Speaker 1: But I couldn't believe, you know, you know what it

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Speaker 1: was too. That's why it was like I had made

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Speaker 1: it late. And then I was like, okay, I'm gonna

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Speaker 1: auto me and then the next month I forgot to automate,

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Speaker 1: so I think it was too late payments in a row,

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Speaker 1: so I dropped so many points, and at first my

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Speaker 1: stomach sank. I mean to go from an AOO two

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Speaker 1: to a six eighty seven, But then I remember, I'm

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Speaker 1: not trying to buy nothing, like I have two homes already,

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Speaker 1: I have a car. I'm not borrowing any money that

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Speaker 1: your credit like, that's like my eighty something your dad

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Speaker 1: stressing about credit. It doesn't mean you don't want to

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Speaker 1: have decent credit, because you should. Credit basically says you

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Speaker 1: should know me before you need me. So certainly you

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Speaker 1: want to have a strong credit score. But you said

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Speaker 1: you just bought a home, so I'm assuming you're not

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Speaker 1: looking to borrow money anytime soon, especially not for a property,

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Speaker 1: and so even if it does drop you, you have time.

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Speaker 1: Like since then, it's been like three or four months,

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Speaker 1: and of course I've made my regular payments, I've automated it,

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Speaker 1: and now I'm at a instead of a six eighty seven,

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Speaker 1: I'm at like a seven to ten now, and so

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Speaker 1: I'm sure by the end of the year I'll be

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Speaker 1: back in eight hundreds. Because girl, you are gonna hold

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Speaker 1: me down. But I say all that to say trying

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Speaker 1: not to stress so much. And I wonder CC did

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Speaker 1: you pay? Did you call the gas company or did

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Speaker 1: you pay the credit tours directly? Because sometimes just so

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Speaker 1: you know, in the future, you know, you might be

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Speaker 1: able to reach out to the original company that you

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Speaker 1: owe to see if if I make this payment, can

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Speaker 1: they kind of like pull back reporting that you were late.

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Speaker 1: So that's just something to consider too.

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Speaker 2: This exact thing happened to me. It's after college when

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Speaker 2: I left. I graduated college and my roommates moved out

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Speaker 2: and I stayed for an extra month that summer because

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Speaker 2: I was saving up to travel and anyway, I got

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Speaker 2: stuck with this this I forget which utility it was,

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Speaker 2: but same situation, like I moved out and then I

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Speaker 2: didn't realize it was still being charged and it was

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Speaker 2: like several months, so it was it actually was a

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Speaker 2: collections agency at that point, and I was like, oh shit.

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Speaker 2: But I wonder too, because it was only a month late.

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Speaker 2: Sometimes sometimes businesses have or even utilities or like other agencies,

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Speaker 2: municipal agencies will have internal collections teams, and they can

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Speaker 2: make it seem like it's some big, bad, scary deck

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Speaker 2: collectors from the street, but it could just be, you know,

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Speaker 2: someone from their company who wants to scare you enough

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Speaker 2: to get you to just make your payment so I

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Speaker 2: would get clear on that, you know. And this happens

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Speaker 2: to me with doctor's bills so.

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Speaker 1: Bad they're notorious. It's a collection a girl. It's down

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Speaker 1: the hall. It is Barbara down the hall.

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Speaker 2: It's Barbara from downstairs with her thirty dollars copay and

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Speaker 2: I'm like, really, Barbara, like why don't I'm like so

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Speaker 2: much wasted mail, so many notices about this copey, and

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Speaker 2: it is so hard to keep track of which ones

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Speaker 2: you paid and didn't pay anyway, So that happens to me.

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Speaker 2: It has several times with the doctors bills, and at

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Speaker 2: that point, I'm like, listen, I'm gonna call the office directly,

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Speaker 2: like Tiffany said, and make a payment and then they'll

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Speaker 2: get off your back. But you know, even if it

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Speaker 2: did ding your credit score, just like Tiffany said, it

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Speaker 2: will bounce back with other good behavior. And it's another

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Speaker 2: good reminder to just if that happens, don't ignore it,

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Speaker 2: just quickly call because you may have prevented it from

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Speaker 2: you know, if it's not how many days delinquent. I

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Speaker 2: feel like after forty five days delinquent, sixty days is

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Speaker 2: when creditors will report it, you know. But like your

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Speaker 2: first cause, I I have not I've not not missed

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Speaker 2: several credit card payments because, like I said, a little

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Speaker 2: disorganized lately.

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Speaker 1: I'm trying to.

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Speaker 2: Get better about it, and I usually catch it really quickly,

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Speaker 2: get on online chat with them and get it, you know,

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Speaker 2: taken care of without having any dings to my credit score.

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Speaker 1: Yeah, and honestly too, you have to know that the

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Speaker 1: biggest ding is within like the first two months. That's

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Speaker 1: when it's like yikes. But then it like it loses

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Speaker 1: some power because your credit score is like I want

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Speaker 1: you to think about, like your financial It's an average

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Speaker 1: of all of your financial choices as it relates to

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Speaker 1: paying back. So it sounds like you've been an eight

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Speaker 1: plus plus plus plus plus plus plus student. So now

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Speaker 1: you've gotten this one D. So that one D does

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Speaker 1: not take a plus plus plus student down to a D.

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Speaker 1: It just might take you down to a B, A

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Speaker 1: low B, you know. And so but what happens is

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Speaker 1: you continue to pay on time and in full, and

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Speaker 1: you will get other a's to offset this one D

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Speaker 1: and before you know it, you will be back in

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Speaker 1: a's again. Like I'm already like girl, you know, they

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Speaker 1: had me down and C were not we're not fit

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Speaker 1: for CCC. So now I'm in a B minus. I'll

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Speaker 1: suspect in a couple of months, i'll be a solid

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Speaker 1: B and I'll be back in a in fighting form

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Speaker 1: not barring any money anyway. So yeah, So I mean

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Speaker 1: that's for anybody who like stresses, Like if you're not

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Speaker 1: actually borring money, then I wouldn't stress too much. But

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Speaker 1: you do want to always, like you know, with your credit,

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Speaker 1: you do want to you know, especially if you're young,

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Speaker 1: that you have your credit gearing and ready to go ideally.

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Speaker 2: Yes, ma'am. All right, CC thank you so much for

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Speaker 2: your question and for your beautiful and kind words. Let's

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Speaker 2: take a quick break and we'll be right back with

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Speaker 2: another question from a listener who has a question about

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Speaker 2: her four to one.

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Speaker 1: K O no mass.

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Speaker 2: All right, y'all, we are back our third and final

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Speaker 2: question of the show. First of all, it's so nice

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Speaker 2: to have you back, Tiffany. This is our first B

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Speaker 2: a Q and a back together. I don't got to

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Speaker 2: just talk to myself for half an hour straight.

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Speaker 1: You know, I was thinking to sit back together. I

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Speaker 1: was like, look at us black together, back together.

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Speaker 2: It's so nice to have someone to bounce off of.

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Speaker 2: All right, This question comes from listener Stacy. Stacy says,

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Speaker 2: I'm over fifty and I've made pretty decent money most

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Speaker 2: of my life, but I've never saved in a four

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Speaker 2: to one K from my jobs. I started a new

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Speaker 2: career in October twenty twenty one, and I'm now contributing

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Speaker 2: to my four to one k. What is the best

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Speaker 2: bet forever being able to retire?

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Speaker 1: Stacy, First of all, congratulations with your new career twenty twenty. Okay,

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Speaker 1: so stays, your best bet is going to be to

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Speaker 1: max out your four oh one K. So, so I

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Speaker 1: don't okay, you're starting a career, you're contributing out good.

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Speaker 1: I'm glad you're contributing one. Normally, you know, man and

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Speaker 1: I talk about like contributing to at least whatever your

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Speaker 1: company's matching. But because you're like, you know, you're starting

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Speaker 1: a little later, that's okay. I would want you to

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Speaker 1: contribute the max, which is what is the Max Mandra,

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Speaker 1: what is it twenty thousand, five hundred if.

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Speaker 2: You can't thousand, five hundred dollars for twenty twenty two.

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Speaker 1: But the government knows we stay late. They're like, SIS,

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Speaker 1: you stay late. So you know what they have. They

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Speaker 1: have something called catch up contributions. What that means is

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Speaker 1: that if you are fifty year older, which you are, SIS,

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Speaker 1: they let you put an additional amount of money in

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Speaker 1: because they like, we know y'all be late talking about you. Ready,

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Speaker 1: you just got out shower, I'm headed your way. Meanwhile,

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Speaker 1: you haven't even earned your clothes yet. They know. So

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Speaker 1: for twenty twenty two, you can put an additional sixty

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Speaker 1: five hundred into your four to one k so you

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Speaker 1: can catch up on some contributions. And so you can

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Speaker 1: do that from now until you know, because what is

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Speaker 1: your time and age now? Manty sixty four? Sixty five?

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Speaker 2: Oh lord, I don't remember six. You can start doing

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Speaker 2: withdrawals at sixty two, but full retirement age, like where

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Speaker 2: do you get your full Social Security benefit is sixty seven?

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Speaker 1: I believe sixty seven. So I mean it's up to

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Speaker 1: you when you obviously when you want to stop working.

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Speaker 1: But if you are working, you know, you can continue

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Speaker 1: to do catch up contributions now until you stop working.

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Speaker 1: So just like keep that in mind that like, and

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Speaker 1: here's the thing, it's better that you've started than you've

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Speaker 1: not started. Try not to beat your self up. The

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Speaker 1: fact that you've asked a question is great. But I

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Speaker 1: would if you can lower your monthly expenses, max out

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Speaker 1: your phone, okay, and max out catch up contributions if possible.

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Speaker 2: Yeah, And I mean you're exactly in the same boat

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Speaker 2: that my dad is in right now, blow up my

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Speaker 2: phone like on Vanguard's customer support. My goodness, Honestly, I'm

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Speaker 2: about to take my dad to like Edward Jones or

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Speaker 2: something and be.

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Speaker 1: Like, take this man, just do it.

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Speaker 2: No, But you know, getting an outsider's perspective to help

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Speaker 2: you can also, and I would see, you know, sometimes

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Speaker 2: your company itself, your for one K plan, may have

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Speaker 2: experts who you can contact to get you started. So

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Speaker 2: I would not turn down that kind of help. I

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Speaker 2: was doing a like a talk at Synchrony. Actually if

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Speaker 2: this is a big, you know, financial company, and it

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Speaker 2: was all women, like hundreds of women, and the number

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Speaker 2: of women who hadn't even like gone to their benefits

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Speaker 2: department and enrolled is really staggering. And then after the talk,

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Speaker 2: a lot of them were going and I'm like, listen,

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Speaker 2: you're the emails usually like benefits at whatever your companies

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00:18:44,040 --> 00:18:46,720
Speaker 2: name dot com and like make those people do their jobs,

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Speaker 2: like help you get started and on the right path.

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Speaker 2: So that's that's all I would say. And also if

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Speaker 2: you were wondering, I showed my dad how to do

393
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Speaker 2: this too. SSA dot gov is a Social Security Administrative

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Speaker 2: Administration's website and you can actually see what your expected

395
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Speaker 2: benefit will be. So if you log on, you can

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Speaker 2: see your your statement, your Social Security benefit statement, which

397
00:19:08,240 --> 00:19:12,080
Speaker 2: will pretty much have your entire history of earnings and

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Speaker 2: also give you an estimate of how much you can

399
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Speaker 2: expect your benefit to be depending on what age you

400
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Speaker 2: start collecting, so it's like sixty two, sixty five, sixty seven.

401
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Speaker 2: They do a whole thing, and that can give you

402
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Speaker 2: some like realistic numbers to work with, because it sounds

403
00:19:25,160 --> 00:19:27,439
Speaker 2: like you're stressed about being able to retire and like

404
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Speaker 2: you may think that you may never be able to,

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Speaker 2: but I would start there as well, so you have

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Speaker 2: some real data to look at. So what actually is

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Speaker 2: my expected benefit amount? And then how much would I

408
00:19:38,640 --> 00:19:41,359
Speaker 2: need to supplement that? Look at your expenses now and

409
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Speaker 2: kind of start backing into how much additional income do

410
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Speaker 2: I want to bring do I need to bring in,

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Speaker 2: do I need to downsize? Do I need to you know,

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Speaker 2: look for other ways to increase my income and start planning,

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Speaker 2: you know, start planning for that all now, creative.

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Speaker 1: If you have this new career, I'm assuming maybe you

415
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Speaker 1: have a new sale skill set. Can you monetize that

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Speaker 1: skill set for a little, some little side money. I

417
00:20:02,960 --> 00:20:06,160
Speaker 1: feel like everybody you know could always use a little

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Speaker 1: extra money on the side, So don't be afraid to

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Speaker 1: get a little, you know, side hustle on. Yeah, So

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Speaker 1: you know, good luck to you, Stace.

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Speaker 2: Thank you so much for your question. You'd be surprised

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Speaker 2: how many of my coaching clients are in their fifties.

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Speaker 2: As a mute, I mean me, I was surprised. It's

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Speaker 2: a lot of badass women out there who were like, no,

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Speaker 2: I'm done with this, I want something better. So that's

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Speaker 2: why I love about your question, because you said you

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Speaker 2: just got a new career in October, and it's just like, yes,

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Speaker 2: it's never too late, It's not too late. Yes, there's

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Speaker 2: age discrimination, which is like, we can't really control that,

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Speaker 2: but you have proven that it can happen, so we're

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Speaker 2: proud of you. Good luck, Stacy. All Right, we did

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Speaker 2: it first, Baq and a back ish shit it.

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Speaker 1: We did it. We did it. Look seemus.

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Speaker 2: All right, y'all. Go to Brandnabission podcast dot com and

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00:20:53,880 --> 00:20:56,560
Speaker 2: ask us anything. Also check us out on ig at

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00:20:56,560 --> 00:21:01,000
Speaker 2: Brandimission Podcast. Also check your inboxes because the Brown Ambission

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00:21:01,040 --> 00:21:03,600
Speaker 2: Newsletter is happening, y'all. It's coming out every Wednesday. You'll

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Speaker 2: get the latest from that week's episodes with our tip

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Speaker 2: of the week. So if you're not signed up to

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Speaker 2: our newsletter, go to Brownemission Podcast dot com and.

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Speaker 1: Get with the program.

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Speaker 2: Okay, and we took us seven years, but I feel

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Speaker 2: like we're just getting started.

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Speaker 1: Okay, we are. We are.

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Speaker 2: All This talk about never too late, it applies to

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Speaker 2: us too.

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00:21:26,119 --> 00:21:29,040
Speaker 1: Never too late, never too late.

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00:21:29,080 --> 00:21:33,119
Speaker 2: On trivia, I can't don't. I don't know, Tiff if

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00:21:33,200 --> 00:21:33,960
Speaker 2: it's stressful?

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Speaker 1: That was Luther too much? Too much? All right, y'all

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00:21:38,320 --> 00:21:40,959
Speaker 1: until next week, Bye bye.

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Speaker 2: Hey, ba fam. We could not do this show without

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Speaker 2: your support or the support of our team behind the scenes.

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Speaker 2: The Brown Ambision podcast is produced by Cumulus Podcast Network.

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Speaker 1: It's edited by the.

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Speaker 2: Wonderful Emani Crosby and produced by Tanya Bustos. Dennistimplinsky is

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Speaker 2: our in house tech guru, and I am Bandy Woodrid

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Speaker 2: Santos your co host, and I will see y'all next

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Speaker 2: week