Speaker 1: It's time for the b a q A. The b
Speaker 1: a q A. Okay, the b a qa. Do you
Speaker 1: have a question about business, entrepreneurship, career, life. Well, not
Speaker 1: so much to life because we still try to live
Speaker 1: it ourselves to out, but you know the other stuff.
Speaker 1: Me and Manjol are here for weekly Brown Ambition Question
Speaker 1: and Answer.
Speaker 2: Yes, ma'am, all right, we have some really good questions.
Speaker 2: If y'all want to drop us a question, just go
Speaker 2: to Brandiebission podcast dot com and you can click ask
Speaker 2: us anything to submit a question. Also, hit us up
Speaker 2: on Instagram. We are at Brandibision podcast. We are checking
Speaker 2: your questions there as well. Today we have a couple
Speaker 2: of home questions, so some interesting juicy ones. Let's start
Speaker 2: with this question from Charlotte. Charlotte said Mandy in all caps.
Speaker 2: Siftany is here too, Charlotte. Okay, so it was media
Speaker 2: and Tiffany. What are the pros and cons of a
Speaker 2: hee lock? For those who don't know, a helock stands
Speaker 2: for a home equity line of credit. Charlotte says, my
Speaker 2: home has about sixty thousand dollars of equity and I
Speaker 2: would like to tap into that to have several projects done.
Speaker 2: I was fortunate to buy a foreclosed home in twenty
Speaker 2: fifteen for only fifty thousand dollars. That doesn't need any
Speaker 2: expensive or large projects. I've been slowly refreshing it. My
Speaker 2: home is currently valued at about one hundred and twenty
Speaker 2: five thousand by my county assessor. Okay, so that's how
Speaker 2: she's getting that equity.
Speaker 1: Yes, first fault. Let's give you a round of applause. Charlotte, yes, card, Yes,
Speaker 1: we stand a queen, Why a smart queen. I'm going
Speaker 1: to assume that you bought the fourth closed home for
Speaker 1: the fifty thousand cash. I'm assuming just because typically foreclosure
Speaker 1: is at that amount. They're not financing. So let's just
Speaker 1: assume that she doesn't have a mortgage, which is important
Speaker 1: to understand. So home atically home equity line of credit
Speaker 1: aka he lock means like you basically hat your home,
Speaker 1: almost like a credit card. I came in like a
Speaker 1: credit card.
Speaker 2: Name that song Mandy, oh shit, Miley Cyrus wrecking Ball record.
Speaker 2: You never know when this song trivia is going to come.
Speaker 2: Didn't think it'd be in a helocked conversation, but I'm down.
Speaker 1: So that just means that Charlotte had Charlotte, I was
Speaker 1: gonna do this too, this whole equery line of credit,
Speaker 1: because I was like, Okay, basically it means that Charlotte,
Speaker 1: I mean, you could do this even if you don't
Speaker 1: own your home straight out. But she can borrow the
Speaker 1: money up to a certain amount. Like let's just say
Speaker 1: she to make the math easy, let's just say, Charlotte,
Speaker 1: you know the house is worth a hundred thousand, and
Speaker 1: she put fifty thousand in it or whatever. They don't
Speaker 1: let you take out the full amount of what all
Speaker 1: of your equity. They don't because they're like, girl, you
Speaker 1: tried it. Instead, they let you take out a percentage.
Speaker 1: Don't quote me. I think it's around no more than
Speaker 1: sixty percent, or saying something like that, but don't quote me.
Speaker 2: Seeing up to eighty five.
Speaker 1: Okay, perhaps yeah, on.
Speaker 2: The bank, yes it does.
Speaker 1: But if the benefits of Helock's because there's certainly cons
Speaker 1: but one of the benefits of Helock is that typically
Speaker 1: the interest rate is more reasonable because the bank actually
Speaker 1: has a tangible thing or tangible things to say, if
Speaker 1: Charlotte don't pay me, guess what we're gonna do. Snatch
Speaker 1: that house child? You know, So typically a helock. The
Speaker 1: interest rates are a little bit better, but some of
Speaker 1: the cons our interest rates are up overall. Charlotte, I'm
Speaker 1: assuming that you don't have a mortgage, and so I
Speaker 1: don't know if you like me, but I'm like not
Speaker 1: having any more rtgage. But some of the benefits also too,
Speaker 1: is that you said several projects done. I'm assuming that
Speaker 1: you're wanting to fix stuff on the house, which would
Speaker 1: if you do so carefully, Charlotte and I will reach
Speaker 1: out to a real term and I would see a contra,
Speaker 1: a knowledgeable contractor that what things can you fix where
Speaker 1: you'll get a return on that investment. So it could
Speaker 1: actually she could take the money out. Say she took out,
Speaker 1: you know, twenty thousand dollars, fixed up some bathrooms and
Speaker 1: got the return of thirty thousand dollars. So there are
Speaker 1: pros and cons that we just share with you. But Mandy,
Speaker 1: do you have some that maybe I'm missing?
Speaker 2: Yeah, I mean you mentioned the biggest con, which is
Speaker 2: that your home is tied to it, so if you default,
Speaker 2: then they can take your whole entire house, which is unfortunately. Yeah,
Speaker 2: that's for collateral, but that's why the rates can be lower.
Speaker 2: You know, and also with a helock, So there's there's
Speaker 2: a couple, you know, without getting like two two technical.
Speaker 2: There's a home equity loan which is like a lump
Speaker 2: sum loan, and a home equity line of credit, which
Speaker 2: is kind of like Tiffany said, it's more like a
Speaker 2: credit card. You don't have to use you.
Speaker 1: Don't they don't give you the full amount.
Speaker 2: You basically you know, you you make draws on that
Speaker 2: line as you need it, so you may not actually
Speaker 2: end up using all of your entire line, depending on
Speaker 2: how much work you need to have done. So it's
Speaker 2: a little bit more flexible in that way. And then
Speaker 2: you but you have to be clear on what your
Speaker 2: draw period is and then when you'd have to start
Speaker 2: making payments on that, so looking at the fine print
Speaker 2: is important. You don't have to use your loan, although
Speaker 2: it sounds like you are for home improvements, which is smart,
Speaker 2: but you don't have to use use it for home improvements.
Speaker 2: You know, you can use home equity loans or helocks
Speaker 2: for other expenses as well, debt consolidation being another one.
Speaker 2: So it's a cool tool. It's also another piece of
Speaker 2: power for home ownership. It gives you that additional leverage.
Speaker 1: I don't know why it.
Speaker 2: Took me so damn long for it to click in
Speaker 2: my mind that when people said, I'm taking out another
Speaker 2: mortgage on my home, this is what they're talking about.
Speaker 2: They're talking about taking out a home equity loan, where
Speaker 2: you are essentially again taking out a loan against the
Speaker 2: value of your home. And second mortgages sound really scary,
Speaker 2: and they can be. It doesn't sound like a good idea, right,
Speaker 2: like why would I take out more debt against my home?
Speaker 2: But if you are in a position, like Tiff said,
Speaker 2: where you can make an investment with that money that
Speaker 2: ends up benefiting you in the long run, then it
Speaker 2: can be a lot smarter than potentially for example, you know,
Speaker 2: going into your cash savings account and taking a bunch
Speaker 2: of cash out. You know, in this way you can
Speaker 2: make the improvement slowly and take advantage of low rates
Speaker 2: and keep your own cash flow like keeping your own
Speaker 2: cash in the bank. Yeah, and keep it yeah flowing,
Speaker 2: keep it flowing and available for you.
Speaker 1: Because I remember, Manny, this is when I got like
Speaker 1: the the the low. Also to Charlotte, if you are
Speaker 1: a sister, you run the risk of having your home
Speaker 1: under praised. I know your tax ascessor said, so remember
Speaker 1: this because remember the reason why I know all this,
Speaker 1: because I too was looking into a heloc last year.
Speaker 1: Was it last year or the year before, if y'all remember, So,
Speaker 1: my husband and I we have two properties. One well
Speaker 1: both of them are paid off, but one was like
Speaker 1: our rental property, and we were considering pulling money out
Speaker 1: to put it into the market because the market was
Speaker 1: going up, up, up, honey. And like the house, although
Speaker 1: it was appreciating in value, meaning becoming more and more valuable,
Speaker 1: it wasn't as going up as fast as the market was.
Speaker 1: So I was like, well, we could take out maybe
Speaker 1: one hundred thousand dollars, put into the market, you know,
Speaker 1: get back whatever the market was gonna yield, and then
Speaker 1: pay off the loan and then have some extra money
Speaker 1: from our pocket. But unfortunately, the actually it was my
Speaker 1: personal private home. The appraiser under appraised us by about
Speaker 1: like forty to fifty thousand dollars. Because black and so
Speaker 1: I can say that like definitively, because I mean they
Speaker 1: have so many articles. I mean, actually the I think
Speaker 1: that it was a Washington Post forte an article about me.
Speaker 1: I think maybe the New York Times had interviewed me
Speaker 1: as well, but yeah, they found that it was definitely
Speaker 1: under appraise because our house was brand new, like some
Speaker 1: of the things that he wrote was like normal wear
Speaker 1: in tear, like every hinge on the door was brand new.
Speaker 1: The house we had finished renovations six months prior what
Speaker 1: we're in Taar. We hadn't even lived here really yet.
Speaker 1: So anyway, so you run the risk of that as well.
Speaker 1: You might want to look for a a appraiser of
Speaker 1: some melanin if you are melanated, or do with My
Speaker 1: husband and I had decided that we were gonna do,
Speaker 1: which was to get our white friend Katherine, hey, Catherine
Speaker 1: to be to be me in the house, which is
Speaker 1: really terrible, but that's what we were gonna do. So
Speaker 1: just keep that in mind that that's the potential too.
Speaker 1: But you sound pretty pretty responsible. So if you brought
Speaker 1: a foreclosure four, you've already seen this increase. Just be
Speaker 1: mindful that you know money costs, so just make the
Speaker 1: most of it.
Speaker 2: Yeah, well, thank you for your question, Charlotte.
Speaker 1: Thank you all right.
Speaker 2: Another one, this one comes from listener cec all Right says, hey, Mandya.
Speaker 1: Wait CC do you love me name? That song isn't
Speaker 1: a kiki it is?
Speaker 2: But like, yeah, that's right, yes, Drake, Shit, what's it called?
Speaker 1: I don't even know if it is. I don't know
Speaker 1: if you're writing it. But at least you knew, Drake.
Speaker 2: That's good at that I could do the song from TikTok.
Speaker 2: I mean the dance from TikTok that's where you had
Speaker 2: to get out of the car while I was still moving. Right, Yes,
Speaker 2: all right, go ahead, okay, CC says Mandy, Thank you,
Speaker 2: oh sending thanks for how you've maintained the show in
Speaker 2: Tiffany's time of healing. I hope Tiffany feels all the
Speaker 2: love being sent her a way I do think I
Speaker 2: thanks CC. CC says I recently bought my first property
Speaker 2: and moved out of my old apartment in February. I'm
Speaker 2: in the same city and have the same utility companies,
Speaker 2: but new accounts. Today, I've received a call from a
Speaker 2: collections agency saying I didn't pay the final gas bill,
Speaker 2: which was due in March. The amount is only thirty
Speaker 2: five dollars, but I don't remember getting that bill or
Speaker 2: any past you notices. It's completely possible that I lost
Speaker 2: track of it during the move. I went ahead and
Speaker 2: paid it, but now I'm worried that my credit score
Speaker 2: will be negatively impacted. I've had a perfect payment history
Speaker 2: on all of my accounts for almost fifteen years, and
Speaker 2: now I'm worried that I've ruined it over thirty five dollars.
Speaker 2: Please tell me what I should do. Oh, CC, It's
Speaker 2: gonna be okay.
Speaker 1: Yes, First of all, CC, let me tell you something
Speaker 1: like I one of my credit cards, I totally forgot
Speaker 1: to make a payment and I thought I had automated,
Speaker 1: but I guess I didn't, and so yo JIWD. My
Speaker 1: credit score went from and this is recently an eight
Speaker 1: oh two Mandy to a six eighty seven.
Speaker 2: No.
Speaker 1: I was like, the audacity, the goal is.
Speaker 2: That like super duper late? How late are we?
Speaker 1: Oh? I mean honestly, probably like a monthly. I didn't
Speaker 1: even know, Like I went in too.
Speaker 2: Look, I was like, wait what because everything credit card
Speaker 2: payments too, because I'm very disorganized sometimes.
Speaker 1: But I couldn't believe, you know, you know what it
Speaker 1: was too. That's why it was like I had made
Speaker 1: it late. And then I was like, okay, I'm gonna
Speaker 1: auto me and then the next month I forgot to automate,
Speaker 1: so I think it was too late payments in a row,
Speaker 1: so I dropped so many points, and at first my
Speaker 1: stomach sank. I mean to go from an AOO two
Speaker 1: to a six eighty seven, But then I remember, I'm
Speaker 1: not trying to buy nothing, like I have two homes already,
Speaker 1: I have a car. I'm not borrowing any money that
Speaker 1: your credit like, that's like my eighty something your dad
Speaker 1: stressing about credit. It doesn't mean you don't want to
Speaker 1: have decent credit, because you should. Credit basically says you
Speaker 1: should know me before you need me. So certainly you
Speaker 1: want to have a strong credit score. But you said
Speaker 1: you just bought a home, so I'm assuming you're not
Speaker 1: looking to borrow money anytime soon, especially not for a property,
Speaker 1: and so even if it does drop you, you have time.
Speaker 1: Like since then, it's been like three or four months,
Speaker 1: and of course I've made my regular payments, I've automated it,
Speaker 1: and now I'm at a instead of a six eighty seven,
Speaker 1: I'm at like a seven to ten now, and so
Speaker 1: I'm sure by the end of the year I'll be
Speaker 1: back in eight hundreds. Because girl, you are gonna hold
Speaker 1: me down. But I say all that to say trying
Speaker 1: not to stress so much. And I wonder CC did
Speaker 1: you pay? Did you call the gas company or did
Speaker 1: you pay the credit tours directly? Because sometimes just so
Speaker 1: you know, in the future, you know, you might be
Speaker 1: able to reach out to the original company that you
Speaker 1: owe to see if if I make this payment, can
Speaker 1: they kind of like pull back reporting that you were late.
Speaker 1: So that's just something to consider too.
Speaker 2: This exact thing happened to me. It's after college when
Speaker 2: I left. I graduated college and my roommates moved out
Speaker 2: and I stayed for an extra month that summer because
Speaker 2: I was saving up to travel and anyway, I got
Speaker 2: stuck with this this I forget which utility it was,
Speaker 2: but same situation, like I moved out and then I
Speaker 2: didn't realize it was still being charged and it was
Speaker 2: like several months, so it was it actually was a
Speaker 2: collections agency at that point, and I was like, oh shit.
Speaker 2: But I wonder too, because it was only a month late.
Speaker 2: Sometimes sometimes businesses have or even utilities or like other agencies,
Speaker 2: municipal agencies will have internal collections teams, and they can
Speaker 2: make it seem like it's some big, bad, scary deck
Speaker 2: collectors from the street, but it could just be, you know,
Speaker 2: someone from their company who wants to scare you enough
Speaker 2: to get you to just make your payment so I
Speaker 2: would get clear on that, you know. And this happens
Speaker 2: to me with doctor's bills so.
Speaker 1: Bad they're notorious. It's a collection a girl. It's down
Speaker 1: the hall. It is Barbara down the hall.
Speaker 2: It's Barbara from downstairs with her thirty dollars copay and
Speaker 2: I'm like, really, Barbara, like why don't I'm like so
Speaker 2: much wasted mail, so many notices about this copey, and
Speaker 2: it is so hard to keep track of which ones
Speaker 2: you paid and didn't pay anyway, So that happens to me.
Speaker 2: It has several times with the doctors bills, and at
Speaker 2: that point, I'm like, listen, I'm gonna call the office directly,
Speaker 2: like Tiffany said, and make a payment and then they'll
Speaker 2: get off your back. But you know, even if it
Speaker 2: did ding your credit score, just like Tiffany said, it
Speaker 2: will bounce back with other good behavior. And it's another
Speaker 2: good reminder to just if that happens, don't ignore it,
Speaker 2: just quickly call because you may have prevented it from
Speaker 2: you know, if it's not how many days delinquent. I
Speaker 2: feel like after forty five days delinquent, sixty days is
Speaker 2: when creditors will report it, you know. But like your
Speaker 2: first cause, I I have not I've not not missed
Speaker 2: several credit card payments because, like I said, a little
Speaker 2: disorganized lately.
Speaker 1: I'm trying to.
Speaker 2: Get better about it, and I usually catch it really quickly,
Speaker 2: get on online chat with them and get it, you know,
Speaker 2: taken care of without having any dings to my credit score.
Speaker 1: Yeah, and honestly too, you have to know that the
Speaker 1: biggest ding is within like the first two months. That's
Speaker 1: when it's like yikes. But then it like it loses
Speaker 1: some power because your credit score is like I want
Speaker 1: you to think about, like your financial It's an average
Speaker 1: of all of your financial choices as it relates to
Speaker 1: paying back. So it sounds like you've been an eight
Speaker 1: plus plus plus plus plus plus plus student. So now
Speaker 1: you've gotten this one D. So that one D does
Speaker 1: not take a plus plus plus student down to a D.
Speaker 1: It just might take you down to a B, A
Speaker 1: low B, you know. And so but what happens is
Speaker 1: you continue to pay on time and in full, and
Speaker 1: you will get other a's to offset this one D
Speaker 1: and before you know it, you will be back in
Speaker 1: a's again. Like I'm already like girl, you know, they
Speaker 1: had me down and C were not we're not fit
Speaker 1: for CCC. So now I'm in a B minus. I'll
Speaker 1: suspect in a couple of months, i'll be a solid
Speaker 1: B and I'll be back in a in fighting form
Speaker 1: not barring any money anyway. So yeah, So I mean
Speaker 1: that's for anybody who like stresses, Like if you're not
Speaker 1: actually borring money, then I wouldn't stress too much. But
Speaker 1: you do want to always, like you know, with your credit,
Speaker 1: you do want to you know, especially if you're young,
Speaker 1: that you have your credit gearing and ready to go ideally.
Speaker 2: Yes, ma'am. All right, CC thank you so much for
Speaker 2: your question and for your beautiful and kind words. Let's
Speaker 2: take a quick break and we'll be right back with
Speaker 2: another question from a listener who has a question about
Speaker 2: her four to one.
Speaker 1: K O no mass.
Speaker 2: All right, y'all, we are back our third and final
Speaker 2: question of the show. First of all, it's so nice
Speaker 2: to have you back, Tiffany. This is our first B
Speaker 2: a Q and a back together. I don't got to
Speaker 2: just talk to myself for half an hour straight.
Speaker 1: You know, I was thinking to sit back together. I
Speaker 1: was like, look at us black together, back together.
Speaker 2: It's so nice to have someone to bounce off of.
Speaker 2: All right, This question comes from listener Stacy. Stacy says,
Speaker 2: I'm over fifty and I've made pretty decent money most
Speaker 2: of my life, but I've never saved in a four
Speaker 2: to one K from my jobs. I started a new
Speaker 2: career in October twenty twenty one, and I'm now contributing
Speaker 2: to my four to one k. What is the best
Speaker 2: bet forever being able to retire?
Speaker 1: Stacy, First of all, congratulations with your new career twenty twenty. Okay,
Speaker 1: so stays, your best bet is going to be to
Speaker 1: max out your four oh one K. So, so I
Speaker 1: don't okay, you're starting a career, you're contributing out good.
Speaker 1: I'm glad you're contributing one. Normally, you know, man and
Speaker 1: I talk about like contributing to at least whatever your
Speaker 1: company's matching. But because you're like, you know, you're starting
Speaker 1: a little later, that's okay. I would want you to
Speaker 1: contribute the max, which is what is the Max Mandra,
Speaker 1: what is it twenty thousand, five hundred if.
Speaker 2: You can't thousand, five hundred dollars for twenty twenty two.
Speaker 1: But the government knows we stay late. They're like, SIS,
Speaker 1: you stay late. So you know what they have. They
Speaker 1: have something called catch up contributions. What that means is
Speaker 1: that if you are fifty year older, which you are, SIS,
Speaker 1: they let you put an additional amount of money in
Speaker 1: because they like, we know y'all be late talking about you. Ready,
Speaker 1: you just got out shower, I'm headed your way. Meanwhile,
Speaker 1: you haven't even earned your clothes yet. They know. So
Speaker 1: for twenty twenty two, you can put an additional sixty
Speaker 1: five hundred into your four to one k so you
Speaker 1: can catch up on some contributions. And so you can
Speaker 1: do that from now until you know, because what is
Speaker 1: your time and age now? Manty sixty four? Sixty five?
Speaker 2: Oh lord, I don't remember six. You can start doing
Speaker 2: withdrawals at sixty two, but full retirement age, like where
Speaker 2: do you get your full Social Security benefit is sixty seven?
Speaker 1: I believe sixty seven. So I mean it's up to
Speaker 1: you when you obviously when you want to stop working.
Speaker 1: But if you are working, you know, you can continue
Speaker 1: to do catch up contributions now until you stop working.
Speaker 1: So just like keep that in mind that like, and
Speaker 1: here's the thing, it's better that you've started than you've
Speaker 1: not started. Try not to beat your self up. The
Speaker 1: fact that you've asked a question is great. But I
Speaker 1: would if you can lower your monthly expenses, max out
Speaker 1: your phone, okay, and max out catch up contributions if possible.
Speaker 2: Yeah, And I mean you're exactly in the same boat
Speaker 2: that my dad is in right now, blow up my
Speaker 2: phone like on Vanguard's customer support. My goodness, Honestly, I'm
Speaker 2: about to take my dad to like Edward Jones or
Speaker 2: something and be.
Speaker 1: Like, take this man, just do it.
Speaker 2: No, But you know, getting an outsider's perspective to help
Speaker 2: you can also, and I would see, you know, sometimes
Speaker 2: your company itself, your for one K plan, may have
Speaker 2: experts who you can contact to get you started. So
Speaker 2: I would not turn down that kind of help. I
Speaker 2: was doing a like a talk at Synchrony. Actually if
Speaker 2: this is a big, you know, financial company, and it
Speaker 2: was all women, like hundreds of women, and the number
Speaker 2: of women who hadn't even like gone to their benefits
Speaker 2: department and enrolled is really staggering. And then after the talk,
Speaker 2: a lot of them were going and I'm like, listen,
Speaker 2: you're the emails usually like benefits at whatever your companies
Speaker 2: name dot com and like make those people do their jobs,
Speaker 2: like help you get started and on the right path.
Speaker 2: So that's that's all I would say. And also if
Speaker 2: you were wondering, I showed my dad how to do
Speaker 2: this too. SSA dot gov is a Social Security Administrative
Speaker 2: Administration's website and you can actually see what your expected
Speaker 2: benefit will be. So if you log on, you can
Speaker 2: see your your statement, your Social Security benefit statement, which
Speaker 2: will pretty much have your entire history of earnings and
Speaker 2: also give you an estimate of how much you can
Speaker 2: expect your benefit to be depending on what age you
Speaker 2: start collecting, so it's like sixty two, sixty five, sixty seven.
Speaker 2: They do a whole thing, and that can give you
Speaker 2: some like realistic numbers to work with, because it sounds
Speaker 2: like you're stressed about being able to retire and like
Speaker 2: you may think that you may never be able to,
Speaker 2: but I would start there as well, so you have
Speaker 2: some real data to look at. So what actually is
Speaker 2: my expected benefit amount? And then how much would I
Speaker 2: need to supplement that? Look at your expenses now and
Speaker 2: kind of start backing into how much additional income do
Speaker 2: I want to bring do I need to bring in,
Speaker 2: do I need to downsize? Do I need to you know,
Speaker 2: look for other ways to increase my income and start planning,
Speaker 2: you know, start planning for that all now, creative.
Speaker 1: If you have this new career, I'm assuming maybe you
Speaker 1: have a new sale skill set. Can you monetize that
Speaker 1: skill set for a little, some little side money. I
Speaker 1: feel like everybody you know could always use a little
Speaker 1: extra money on the side, So don't be afraid to
Speaker 1: get a little, you know, side hustle on. Yeah, So
Speaker 1: you know, good luck to you, Stace.
Speaker 2: Thank you so much for your question. You'd be surprised
Speaker 2: how many of my coaching clients are in their fifties.
Speaker 2: As a mute, I mean me, I was surprised. It's
Speaker 2: a lot of badass women out there who were like, no,
Speaker 2: I'm done with this, I want something better. So that's
Speaker 2: why I love about your question, because you said you
Speaker 2: just got a new career in October, and it's just like, yes,
Speaker 2: it's never too late, It's not too late. Yes, there's
Speaker 2: age discrimination, which is like, we can't really control that,
Speaker 2: but you have proven that it can happen, so we're
Speaker 2: proud of you. Good luck, Stacy. All Right, we did
Speaker 2: it first, Baq and a back ish shit it.
Speaker 1: We did it. We did it. Look seemus.
Speaker 2: All right, y'all. Go to Brandnabission podcast dot com and
Speaker 2: ask us anything. Also check us out on ig at
Speaker 2: Brandimission Podcast. Also check your inboxes because the Brown Ambission
Speaker 2: Newsletter is happening, y'all. It's coming out every Wednesday. You'll
Speaker 2: get the latest from that week's episodes with our tip
Speaker 2: of the week. So if you're not signed up to
Speaker 2: our newsletter, go to Brownemission Podcast dot com and.
Speaker 1: Get with the program.
Speaker 2: Okay, and we took us seven years, but I feel
Speaker 2: like we're just getting started.
Speaker 1: Okay, we are. We are.
Speaker 2: All This talk about never too late, it applies to
Speaker 2: us too.
Speaker 1: Never too late, never too late.
Speaker 2: On trivia, I can't don't. I don't know, Tiff if
Speaker 2: it's stressful?
Speaker 1: That was Luther too much? Too much? All right, y'all
Speaker 1: until next week, Bye bye.
Speaker 2: Hey, ba fam. We could not do this show without
Speaker 2: your support or the support of our team behind the scenes.
Speaker 2: The Brown Ambision podcast is produced by Cumulus Podcast Network.
Speaker 1: It's edited by the.
Speaker 2: Wonderful Emani Crosby and produced by Tanya Bustos. Dennistimplinsky is
Speaker 2: our in house tech guru, and I am Bandy Woodrid
Speaker 2: Santos your co host, and I will see y'all next
Speaker 2: week