1 00:00:06,200 --> 00:00:18,840 Speaker 1: Hey, hey, hey, I'm back from Dubai. We're black, We're ambition, ambitious. 2 00:00:20,040 --> 00:00:25,200 Speaker 2: I'm so glad you're back. No, I hate singing, heyman, 3 00:00:25,600 --> 00:00:29,560 Speaker 2: how are you tip, I'm good. Welcome back, welcome. 4 00:00:29,200 --> 00:00:34,440 Speaker 3: Back, that's all. I saw the face of your Halloween 5 00:00:34,520 --> 00:00:36,440 Speaker 3: I was like, wait a minute, did you guys witch? 6 00:00:36,479 --> 00:00:39,360 Speaker 3: It looked amazing. I did. I did. 7 00:00:39,479 --> 00:00:42,159 Speaker 2: I addressed up as a witch just it was the 8 00:00:42,159 --> 00:00:43,920 Speaker 2: easiest thing to do. And I really like that wig. 9 00:00:43,920 --> 00:00:46,159 Speaker 2: At Party City. Yeah, it was so fun. We had 10 00:00:46,159 --> 00:00:50,199 Speaker 2: a fun, little spooky Halloween edition of the show with 11 00:00:50,360 --> 00:00:53,120 Speaker 2: Dellianne and Mark Russell from Betterwall and it was so 12 00:00:53,200 --> 00:00:57,560 Speaker 2: it was fun. Rio was not having the wig. He said, no, 13 00:00:57,760 --> 00:01:02,600 Speaker 2: like mama new hair, take care book up. Yeah. And 14 00:01:02,640 --> 00:01:04,600 Speaker 2: then that afternoon it was such a crazy day. I 15 00:01:04,640 --> 00:01:06,840 Speaker 2: was fighting the same kind of we talked over the weekend. 16 00:01:06,880 --> 00:01:09,280 Speaker 2: I was like, I can't, Doug, I gotta save my voice. 17 00:01:09,480 --> 00:01:12,080 Speaker 2: I got so sick, and finally today I feel normal. 18 00:01:12,120 --> 00:01:15,440 Speaker 2: But it was like a ten day virus something like that, 19 00:01:15,480 --> 00:01:17,880 Speaker 2: and it really was hitting me on Halloween Day, and 20 00:01:17,920 --> 00:01:20,240 Speaker 2: thank goodness, Rio didn't care much that I didn't go 21 00:01:20,280 --> 00:01:22,040 Speaker 2: trick or treating. I was like, we're going to hand 22 00:01:22,040 --> 00:01:26,360 Speaker 2: out the candy, which he really enjoyed. But five pm 23 00:01:26,720 --> 00:01:29,280 Speaker 2: on Halloween Day, when I had the wig and the 24 00:01:29,280 --> 00:01:31,640 Speaker 2: makeup on, and I was like with my box of Kleenex, 25 00:01:31,720 --> 00:01:33,840 Speaker 2: just going to chill out. The Today Show emailed me 26 00:01:33,920 --> 00:01:37,680 Speaker 2: to fat They said, can you be downstairs? Well they 27 00:01:37,680 --> 00:01:39,319 Speaker 2: didn't know I was downstairs. Can you can you do 28 00:01:39,360 --> 00:01:42,360 Speaker 2: a taped interview? And I was like no, literally in 29 00:01:42,360 --> 00:01:45,199 Speaker 2: the wig in the makeup, and I said sure, I'll 30 00:01:45,200 --> 00:01:48,720 Speaker 2: see you in an hour. So shout out to having 31 00:01:48,720 --> 00:01:51,120 Speaker 2: my cousin. She came in and clutched to watch Rio 32 00:01:51,880 --> 00:01:54,840 Speaker 2: and I've never taken off so much purple makeup so fast, 33 00:01:56,240 --> 00:01:58,919 Speaker 2: pretended like I wasn't ill it aired the next morning. 34 00:01:58,960 --> 00:02:01,000 Speaker 2: It was just crazy. I was part of a segment 35 00:02:01,040 --> 00:02:03,520 Speaker 2: on them. So the pay equity pay transparency law in 36 00:02:03,560 --> 00:02:06,240 Speaker 2: New York pass last week. So now, yeah, which is 37 00:02:06,280 --> 00:02:08,639 Speaker 2: so exciting. It makes everything so much easier. It's the 38 00:02:08,680 --> 00:02:11,799 Speaker 2: way it should be. But New York, for four million 39 00:02:11,840 --> 00:02:14,720 Speaker 2: workers now will be impacted. So if you're if you 40 00:02:14,720 --> 00:02:18,840 Speaker 2: have a private firm, most companies basically who are listing 41 00:02:18,919 --> 00:02:20,840 Speaker 2: jobs and have at least one employee based in New 42 00:02:20,919 --> 00:02:23,880 Speaker 2: York have to have a salary range now, which means 43 00:02:23,919 --> 00:02:27,480 Speaker 2: that now it's a good faith salary range. And what 44 00:02:28,160 --> 00:02:31,120 Speaker 2: I and a lot of Twitter sleuths have found is 45 00:02:31,160 --> 00:02:33,280 Speaker 2: like companies are taking good faith with a huge grain 46 00:02:33,280 --> 00:02:35,160 Speaker 2: of salt, and they are out here with these crazy 47 00:02:35,200 --> 00:02:38,040 Speaker 2: wide Like I saw a bank manager for Apple Bank 48 00:02:38,040 --> 00:02:41,840 Speaker 2: today that was one sixty five to two forty was 49 00:02:41,880 --> 00:02:45,920 Speaker 2: the salary range. So there's still room to go, and like, 50 00:02:45,960 --> 00:02:48,000 Speaker 2: obviously I hope that they make amendments to make it 51 00:02:48,040 --> 00:02:50,960 Speaker 2: more specific. But a huge win, very exciting. I got 52 00:02:50,960 --> 00:02:54,480 Speaker 2: on the Today Show. What the hell? It was a 53 00:02:54,840 --> 00:02:56,520 Speaker 2: not a bad not a bad Halloween day? 54 00:02:57,280 --> 00:02:58,919 Speaker 3: What we're Today' show? Twitch? I go tomorrow, I go 55 00:02:59,320 --> 00:03:02,880 Speaker 3: on set tomorrow tomorrow morning. Ooh that's right. I gotta 56 00:03:03,520 --> 00:03:05,120 Speaker 3: make myself a note. I gotta be like what you're 57 00:03:05,120 --> 00:03:10,160 Speaker 3: talking about holiday like savings all around, but like how 58 00:03:10,160 --> 00:03:13,280 Speaker 3: to prepare for the holidays, especially with this upcoming recession. 59 00:03:13,680 --> 00:03:15,359 Speaker 3: I didn't. I totally forgot. I'm like little girl, I 60 00:03:15,360 --> 00:03:17,920 Speaker 3: guts a logan, like girl, tell the girls to watch. 61 00:03:18,560 --> 00:03:22,360 Speaker 3: Let me make myself a note to myself. Like but yeah, 62 00:03:22,520 --> 00:03:30,720 Speaker 3: so Dubai was okay. I didn't enjoy with yeah, Well, 63 00:03:30,720 --> 00:03:32,120 Speaker 3: here's the thing I had a good time with. I 64 00:03:32,160 --> 00:03:35,360 Speaker 3: went with this black travel group, a woman named Kena. 65 00:03:35,520 --> 00:03:37,560 Speaker 3: She does this thing called the Dubai Blackout. She brings 66 00:03:37,600 --> 00:03:40,920 Speaker 3: anywhere from two hundred to upward to four hundred black 67 00:03:40,960 --> 00:03:44,480 Speaker 3: folks to Dubai every year. And so, like the general 68 00:03:44,880 --> 00:03:46,680 Speaker 3: premise of the touring things that that was fun. We 69 00:03:46,720 --> 00:03:49,760 Speaker 3: had a good time. But two things I realized, Like one, 70 00:03:49,800 --> 00:03:51,440 Speaker 3: I don't necessarily want to travel with a group that 71 00:03:51,520 --> 00:03:54,600 Speaker 3: big because you just you're not as nimble, you can't 72 00:03:54,600 --> 00:03:56,880 Speaker 3: do as much. Certainly, though there was a lot of 73 00:03:56,920 --> 00:03:58,680 Speaker 3: like one off time that like my sister and I did. 74 00:03:58,840 --> 00:04:05,320 Speaker 3: My sister Carol came with me. But also too, I 75 00:04:05,480 --> 00:04:08,080 Speaker 3: why is way more commercial than I guess I anticipated. 76 00:04:08,960 --> 00:04:13,200 Speaker 3: It felt like the Disneyland of the Middle East, you know, 77 00:04:14,280 --> 00:04:16,320 Speaker 3: like I like a lot, I like some grits. I 78 00:04:16,440 --> 00:04:19,680 Speaker 3: like history. I like, oh my gosh, you know, this 79 00:04:19,760 --> 00:04:21,599 Speaker 3: is what you eat here, this is what you were here. 80 00:04:21,640 --> 00:04:24,039 Speaker 3: But there was a lot of like a mirroring of 81 00:04:24,279 --> 00:04:26,960 Speaker 3: Western culture that I already experienced day by day, you know, 82 00:04:28,440 --> 00:04:31,400 Speaker 3: Like honestly, I can't tell you one like I didn't. 83 00:04:31,920 --> 00:04:34,560 Speaker 3: I had food from other countries, but just not what 84 00:04:34,600 --> 00:04:36,080 Speaker 3: they eat do. But I could tell you I'm like 85 00:04:36,120 --> 00:04:38,719 Speaker 3: I had sushi, I had Indian food, I had and 86 00:04:38,760 --> 00:04:42,440 Speaker 3: everything was sublime and supreme. I mean, you wouldn't see 87 00:04:42,480 --> 00:04:46,200 Speaker 3: one piece of tissue on the ground on the highway. 88 00:04:46,600 --> 00:04:50,000 Speaker 3: Everything was like perfect, and it was super safe, especially 89 00:04:50,080 --> 00:04:52,360 Speaker 3: for women and kids because they they always like you 90 00:04:52,400 --> 00:04:54,880 Speaker 3: could literally take a taxi that was just a woman's taxi. 91 00:04:55,240 --> 00:04:57,320 Speaker 3: They were like if they were like they had this 92 00:04:57,360 --> 00:05:00,560 Speaker 3: thing called the Global Festival, where like they had all 93 00:05:00,560 --> 00:05:03,520 Speaker 3: these different countries represented in this kind of like Disney 94 00:05:03,560 --> 00:05:08,600 Speaker 3: World esque like marketplace, and they had like a woman's night, 95 00:05:09,080 --> 00:05:12,239 Speaker 3: you know, and so you know you're gonna be super safe. 96 00:05:12,520 --> 00:05:12,719 Speaker 4: You know. 97 00:05:12,800 --> 00:05:15,200 Speaker 3: Everybody was super nice. But I guess I was just 98 00:05:15,279 --> 00:05:18,760 Speaker 3: kind of like, oh, I could experience this in a 99 00:05:18,960 --> 00:05:22,200 Speaker 3: US and this part like this is like California and 100 00:05:22,279 --> 00:05:25,919 Speaker 3: this is like New York, and it's like intentional. I 101 00:05:25,920 --> 00:05:29,080 Speaker 3: think the initial king, like the first King of Dubai, 102 00:05:29,240 --> 00:05:31,440 Speaker 3: he was a world traveler, and what he actually did 103 00:05:31,600 --> 00:05:34,719 Speaker 3: was go to the Guggenheim and say how much for 104 00:05:35,040 --> 00:05:37,880 Speaker 3: the rights to be able to build an exact replica 105 00:05:37,960 --> 00:05:40,640 Speaker 3: in Dubai and go to Paris and say how much 106 00:05:40,640 --> 00:05:43,560 Speaker 3: to be able to build the Eiffel Tower, you know. 107 00:05:43,680 --> 00:05:46,480 Speaker 2: So it was like a very extravagant version of like Vegas, 108 00:05:46,520 --> 00:05:46,920 Speaker 2: where you. 109 00:05:46,839 --> 00:05:52,520 Speaker 3: Have it was a high and which in Vegas honestly 110 00:05:52,600 --> 00:05:56,000 Speaker 3: wasn't my theme, which Vegas isn't. 111 00:05:55,839 --> 00:05:58,680 Speaker 2: Say why you go there for like the difference you 112 00:05:58,760 --> 00:06:01,040 Speaker 2: just get. It's like a buffet, have all the different 113 00:06:01,560 --> 00:06:04,880 Speaker 2: cuisine and shows and glits and and like all I 114 00:06:04,880 --> 00:06:06,719 Speaker 2: know about a Dubai is like I don't know, the 115 00:06:06,800 --> 00:06:10,120 Speaker 2: really terrible Sex in the City Too movie, and like 116 00:06:10,160 --> 00:06:13,640 Speaker 2: when Fast and the Fury is they went to Dubai 117 00:06:14,080 --> 00:06:17,839 Speaker 2: but like super lux and like live your best life. Yeah, 118 00:06:17,839 --> 00:06:18,920 Speaker 2: it's very glamorous. 119 00:06:19,680 --> 00:06:22,880 Speaker 3: Yeah, but like you know, it's I'm glad I went. 120 00:06:23,240 --> 00:06:25,239 Speaker 3: You know, I'm glad I went. I had a good time. 121 00:06:25,480 --> 00:06:26,840 Speaker 3: But I will say the part that I really like 122 00:06:27,080 --> 00:06:30,400 Speaker 3: is there are seven kingdoms in the UAE, the United 123 00:06:31,680 --> 00:06:35,120 Speaker 3: the Arab United, Arab Emirates, Emirates, So I guess I 124 00:06:35,440 --> 00:06:38,280 Speaker 3: am Emirate is a kingdom, and so I really liked. 125 00:06:38,760 --> 00:06:41,400 Speaker 3: We went to Abu Dhabi and they have the most 126 00:06:41,560 --> 00:06:46,240 Speaker 3: incredible mosque there that it's like almost like reminiscent of 127 00:06:46,600 --> 00:06:49,400 Speaker 3: the Tasma Hall, which I've been to in India. But 128 00:06:49,480 --> 00:06:52,240 Speaker 3: it was so beautiful and that's what I kind of 129 00:06:52,279 --> 00:06:53,720 Speaker 3: came for. That that's the end ofgy I like when 130 00:06:53,760 --> 00:06:56,480 Speaker 3: I travel where it's like, oh, I'm not in Kansas anymore. 131 00:06:56,760 --> 00:06:58,960 Speaker 3: It was so beautiful. It's like all made out of 132 00:06:59,000 --> 00:07:02,440 Speaker 3: all white like mar It was just it was just 133 00:07:02,440 --> 00:07:04,360 Speaker 3: so beautiful. I mean, you have to wear like you're 134 00:07:04,800 --> 00:07:06,800 Speaker 3: the traditional abaya, which is like it's kind of like 135 00:07:06,880 --> 00:07:09,240 Speaker 3: loose fitting garment, and you know we had to wear 136 00:07:09,240 --> 00:07:11,360 Speaker 3: the the job, and so that even that, it was 137 00:07:11,440 --> 00:07:15,200 Speaker 3: just it was just beautiful and so yeah. So but 138 00:07:15,240 --> 00:07:17,680 Speaker 3: like I said, along, I had a good time and 139 00:07:17,720 --> 00:07:20,320 Speaker 3: I just wanted to give you update about the condo. 140 00:07:20,800 --> 00:07:22,840 Speaker 3: So I found some more tea. Let me tell you something. 141 00:07:23,320 --> 00:07:26,040 Speaker 3: When you're going to purchase a property, see if you can, 142 00:07:26,120 --> 00:07:28,960 Speaker 3: like you know, especially if it's a condo, see if 143 00:07:29,000 --> 00:07:31,000 Speaker 3: you can like get to know some of the neighbors. 144 00:07:31,040 --> 00:07:33,120 Speaker 3: Because when I tell you, these neighbors been talking, honey, 145 00:07:33,720 --> 00:07:36,040 Speaker 3: and they're like, oh, that kindo girl that was on 146 00:07:36,120 --> 00:07:37,840 Speaker 3: sale last year, I knew I had seen it on 147 00:07:37,880 --> 00:07:39,760 Speaker 3: relter dot com last year. So I kind of give 148 00:07:39,800 --> 00:07:42,160 Speaker 3: you some numbers. So it was on realtor dot com 149 00:07:42,280 --> 00:07:45,440 Speaker 3: last year for like six fifty six seventy five something crazy. 150 00:07:45,520 --> 00:07:47,520 Speaker 3: But that's when, you know, remember when homes were going 151 00:07:47,560 --> 00:07:50,320 Speaker 3: for like crazy amount. So I guess, you know, just 152 00:07:50,440 --> 00:07:52,320 Speaker 3: was trying to get her coin, which I understand, but 153 00:07:52,400 --> 00:07:56,440 Speaker 3: it didn't sell because I just think that she overreached 154 00:07:56,480 --> 00:07:58,320 Speaker 3: with the price. Well obviously, because the market is going 155 00:07:58,400 --> 00:08:01,080 Speaker 3: to tell you, you know, because things were literally I 156 00:08:01,080 --> 00:08:03,560 Speaker 3: remember in my neighborhood in particular, which the condos in 157 00:08:03,560 --> 00:08:06,400 Speaker 3: the same neighborhood that I live in now, things were 158 00:08:06,400 --> 00:08:09,760 Speaker 3: going for like fifty seventy five over asking. Things were 159 00:08:10,080 --> 00:08:13,160 Speaker 3: things weren't even hitting the market, you know. And so 160 00:08:13,240 --> 00:08:15,480 Speaker 3: for the fact that it didn't sell means that, although 161 00:08:15,520 --> 00:08:18,320 Speaker 3: it's beautiful, it was priced more than what people were 162 00:08:18,320 --> 00:08:21,360 Speaker 3: willing to pay because the associate, I believe, because the 163 00:08:21,400 --> 00:08:24,440 Speaker 3: association fees it's kind of high. It's twelve to fifty, 164 00:08:25,200 --> 00:08:26,840 Speaker 3: you know, on top of the fact you have to 165 00:08:26,840 --> 00:08:29,440 Speaker 3: pay taxes a month, you know, so you're looking at 166 00:08:29,480 --> 00:08:33,520 Speaker 3: at least the overhead of like I don't know, eighteen 167 00:08:33,600 --> 00:08:35,920 Speaker 3: hundred to two thousand dollars a month, just even if 168 00:08:35,920 --> 00:08:37,720 Speaker 3: you pay cash, which is what I was willing to 169 00:08:37,760 --> 00:08:41,160 Speaker 3: do so six point fifty, like last year, didn't sell 170 00:08:41,240 --> 00:08:44,920 Speaker 3: during the height when everybody was selling, delisted it. Put 171 00:08:44,960 --> 00:08:48,400 Speaker 3: it back on the market this year starting at five 172 00:08:48,440 --> 00:08:51,720 Speaker 3: to seventy five, didn't sell, brought it down to five 173 00:08:51,720 --> 00:08:54,360 Speaker 3: point fifty, didn't sell. It's not five thirty nine, still 174 00:08:54,400 --> 00:08:57,040 Speaker 3: has not sold. It's been seven it's been seven months 175 00:08:57,080 --> 00:09:00,360 Speaker 3: on the market, so you know, since was like, you know, 176 00:09:00,400 --> 00:09:03,280 Speaker 3: I did my little research. I've been asking questions. You know, 177 00:09:03,440 --> 00:09:04,840 Speaker 3: is there a lot of noise? I was like, you know, 178 00:09:04,880 --> 00:09:07,080 Speaker 3: the neighbors have been awesome, just like sharing, like this 179 00:09:07,160 --> 00:09:10,720 Speaker 3: is what they like about that, the neighbors. You just go. Well, 180 00:09:10,760 --> 00:09:12,600 Speaker 3: the first time I went, I realized I had like 181 00:09:12,800 --> 00:09:14,480 Speaker 3: because it's newer and I live here, there are a 182 00:09:14,480 --> 00:09:16,160 Speaker 3: handful of people that I knew. I'm like, oh, I 183 00:09:16,200 --> 00:09:18,520 Speaker 3: didn't know you lived here, you know. And then so 184 00:09:18,640 --> 00:09:20,320 Speaker 3: it was like one woman I knew that lived there, 185 00:09:20,320 --> 00:09:21,600 Speaker 3: and then she was like, you know who you should 186 00:09:21,600 --> 00:09:24,040 Speaker 3: talk to my friends such or such. She's in four B. 187 00:09:24,280 --> 00:09:26,800 Speaker 3: Let me make a text intro, you know. And so 188 00:09:27,000 --> 00:09:28,760 Speaker 3: that's how I got to speak to like, and I 189 00:09:28,800 --> 00:09:31,920 Speaker 3: even got to see two other apartments besides hers, and 190 00:09:31,960 --> 00:09:34,800 Speaker 3: they were beautiful. I was like, oh wow, and so 191 00:09:35,040 --> 00:09:36,880 Speaker 3: it just like, so I put in an all cash 192 00:09:36,920 --> 00:09:41,000 Speaker 3: offer for less than what you know. Apparently I offended her, 193 00:09:42,040 --> 00:09:44,880 Speaker 3: and so yeah, well, honestly I don't mind. I'm like, 194 00:09:46,080 --> 00:09:46,760 Speaker 3: what does that mean? 195 00:09:46,760 --> 00:09:47,640 Speaker 2: And what doesn't matter? 196 00:09:48,320 --> 00:09:52,359 Speaker 3: So when you are putting in an offer for a property, 197 00:09:52,800 --> 00:09:55,920 Speaker 3: you know, if you put in lower than what you 198 00:09:55,960 --> 00:09:59,760 Speaker 3: know the person is asking, you run the risk of 199 00:09:59,800 --> 00:10:03,000 Speaker 3: the seller being mad, you know, And you have to 200 00:10:03,040 --> 00:10:05,679 Speaker 3: ask yourself, are you willing to walk away? Which I 201 00:10:05,760 --> 00:10:08,480 Speaker 3: live in a beautiful home that's paid off, and so 202 00:10:08,640 --> 00:10:11,840 Speaker 3: I was willing to walk away because what to me, 203 00:10:12,160 --> 00:10:16,000 Speaker 3: Although I am looking for change, I am not in 204 00:10:16,080 --> 00:10:18,680 Speaker 3: a rush. The truth is this place took me by surprise. 205 00:10:18,760 --> 00:10:21,959 Speaker 3: I was gonna wait until the Resissance of twenty twenty 206 00:10:21,960 --> 00:10:24,560 Speaker 3: three and get me a deal like that was that 207 00:10:24,679 --> 00:10:28,600 Speaker 3: was my sal Yeah, I think that was happening, you know. 208 00:10:28,760 --> 00:10:31,920 Speaker 3: And so but this took me by surprise. I was like, Okay, 209 00:10:32,360 --> 00:10:35,680 Speaker 3: you know, I'm willing to consider this because you know, 210 00:10:35,840 --> 00:10:38,040 Speaker 3: this is a beautiful space and it's in the neighborhood 211 00:10:38,080 --> 00:10:40,440 Speaker 3: that I want to stay in. So I put in 212 00:10:40,440 --> 00:10:42,640 Speaker 3: an offer that I thought was more than fair, because 213 00:10:42,760 --> 00:10:45,800 Speaker 3: I also found out, because you could see, it's public 214 00:10:45,840 --> 00:10:48,560 Speaker 3: knowledge how much she paid for it, you know, and 215 00:10:49,200 --> 00:10:51,960 Speaker 3: because she had the place fully renovated. And there is 216 00:10:52,000 --> 00:10:55,600 Speaker 3: a guy who renovates the condo, like almost all the 217 00:10:55,640 --> 00:10:58,800 Speaker 3: condos there, and so one of the people, one of 218 00:10:58,800 --> 00:11:01,440 Speaker 3: the neighbors was like, oh, you should, let's call him Paul. 219 00:11:01,960 --> 00:11:03,439 Speaker 3: We used to talk to the ball cuse I think 220 00:11:03,440 --> 00:11:05,920 Speaker 3: he did the apartment. And so I spoke with Paul 221 00:11:06,400 --> 00:11:08,280 Speaker 3: and asked him all that he did, and it was 222 00:11:08,280 --> 00:11:10,160 Speaker 3: like all the electrical, all the plumbing, which is great 223 00:11:10,200 --> 00:11:13,640 Speaker 3: because that's the expensive stuff, the you know, the the kitchen, 224 00:11:14,280 --> 00:11:17,320 Speaker 3: the bathrooms, which also the expensive things. And so I 225 00:11:17,360 --> 00:11:19,480 Speaker 3: was like, okay, so all the hardcore things that are 226 00:11:19,480 --> 00:11:21,240 Speaker 3: going to cost a lot. And then I asked him 227 00:11:21,240 --> 00:11:23,640 Speaker 3: how much, you know, so this doesn't include materials, just 228 00:11:23,679 --> 00:11:25,520 Speaker 3: his like, you know, just his rate, and it was 229 00:11:25,559 --> 00:11:27,480 Speaker 3: about sixty thousand. I had them give me a arrange, 230 00:11:27,720 --> 00:11:29,760 Speaker 3: so about sixty thousand, I was like, okay. So I 231 00:11:29,760 --> 00:11:32,600 Speaker 3: started to do the math. I said, say sixty plus 232 00:11:32,640 --> 00:11:35,240 Speaker 3: another forty for materials. Let's just say you bought it 233 00:11:35,320 --> 00:11:38,080 Speaker 3: for two eighty then plus another one hundred thousand on 234 00:11:38,120 --> 00:11:40,720 Speaker 3: top of that, that's three eighty that you you know 235 00:11:40,760 --> 00:11:42,880 Speaker 3: that you've put in because the condo was bought in 236 00:11:43,520 --> 00:11:47,320 Speaker 3: twenty nineteen. So then that's that helped to inform the 237 00:11:47,400 --> 00:11:50,079 Speaker 3: kind of offer I'm going to make. That was a 238 00:11:49,840 --> 00:11:50,640 Speaker 3: quick around. 239 00:11:50,640 --> 00:11:51,240 Speaker 2: She's flipping it. 240 00:11:51,760 --> 00:11:56,440 Speaker 3: Girl lived there, No, and so maybe she was attending, 241 00:11:56,480 --> 00:11:59,199 Speaker 3: because honestly, it's very if you look at the pictures, 242 00:11:59,600 --> 00:12:03,040 Speaker 3: it's very specific taste. So I think that she intended to. 243 00:12:03,120 --> 00:12:05,800 Speaker 3: I'm assuming because why else renovated in such a way 244 00:12:05,800 --> 00:12:09,560 Speaker 3: that's very specific from the materials that she used. But 245 00:12:09,600 --> 00:12:12,360 Speaker 3: then for whatever reason, you know, something else happened. I 246 00:12:12,360 --> 00:12:15,040 Speaker 3: think she owns homes other places because she's a business owner. 247 00:12:15,320 --> 00:12:18,480 Speaker 3: So but think about that. You buy something for two eighty, 248 00:12:18,800 --> 00:12:20,840 Speaker 3: then you put one hundred thousand dollars into three eighty, 249 00:12:20,920 --> 00:12:23,800 Speaker 3: and then you try to sell it for six fifty 250 00:12:23,800 --> 00:12:25,640 Speaker 3: six to seventy five. That's like a three hundred thousand 251 00:12:25,640 --> 00:12:27,720 Speaker 3: dollars profit, which girl, I'm mad at you. But it 252 00:12:27,760 --> 00:12:30,160 Speaker 3: didn't work out because the market said I don't think so. 253 00:12:30,960 --> 00:12:33,839 Speaker 3: And even at this current price, the market is still 254 00:12:33,880 --> 00:12:37,520 Speaker 3: saying no. And we know that because it hasn't sold. 255 00:12:37,840 --> 00:12:39,400 Speaker 3: And so but you know, at the end of the day, 256 00:12:39,400 --> 00:12:43,280 Speaker 3: it's her property. But something interesting that's happening is if 257 00:12:43,320 --> 00:12:46,120 Speaker 3: there's another property, So this is a four bedroom like 258 00:12:46,160 --> 00:12:49,760 Speaker 3: three and a half bath or whatever, there's another four bedroom, 259 00:12:49,880 --> 00:12:53,280 Speaker 3: three and a half bath coming online in that same building. 260 00:12:53,720 --> 00:12:56,240 Speaker 3: Because up until now, that apartment has been a unicorn 261 00:12:56,280 --> 00:12:58,680 Speaker 3: in that there are no real comps because there is 262 00:12:58,720 --> 00:13:01,440 Speaker 3: no other four bedroom, three and a half back that's 263 00:13:01,440 --> 00:13:04,439 Speaker 3: sold within a year in that neighborhood. And so here's 264 00:13:04,559 --> 00:13:08,120 Speaker 3: one that's coming online. Now if from what I understand 265 00:13:08,120 --> 00:13:10,920 Speaker 3: that the person who's selling it, they've already purchased a home, 266 00:13:11,080 --> 00:13:13,640 Speaker 3: so they're very motivated to sell, which means, let's just 267 00:13:13,679 --> 00:13:18,360 Speaker 3: say they sell it for four seventy five for ninety, Now, 268 00:13:18,360 --> 00:13:21,040 Speaker 3: all of a sudden there's a hardcore comp So you're 269 00:13:21,080 --> 00:13:24,000 Speaker 3: trying to sell for five thirty nine. If they sell 270 00:13:24,520 --> 00:13:28,640 Speaker 3: basically the same apartment for four ninety, that is the 271 00:13:28,679 --> 00:13:30,840 Speaker 3: new comp. Five point thirty nine is going to be 272 00:13:30,960 --> 00:13:34,480 Speaker 3: nearly impossible because one, even if someone has the cash 273 00:13:34,600 --> 00:13:36,200 Speaker 3: like me, they're going to be like, well, why should 274 00:13:36,240 --> 00:13:38,720 Speaker 3: I pay that when something similar is sold for less? 275 00:13:38,840 --> 00:13:42,280 Speaker 3: And then if someone does get a mortgage, the appraisal 276 00:13:42,400 --> 00:13:44,599 Speaker 3: is not going to You're not going to get the 277 00:13:44,640 --> 00:13:48,319 Speaker 3: appraisal because appraisals are based upon comps, which are similar 278 00:13:48,360 --> 00:13:51,800 Speaker 3: properties that have recently sold. And this other property is 279 00:13:51,840 --> 00:13:55,160 Speaker 3: on a higher floor and it's fully renovated as well, 280 00:13:55,200 --> 00:13:57,360 Speaker 3: so it's a true comp. So it's going to be 281 00:13:57,400 --> 00:13:59,640 Speaker 3: very interesting. I'm actually going to look at that property 282 00:14:00,120 --> 00:14:02,360 Speaker 3: because you never know, maybe I want it, and so 283 00:14:02,400 --> 00:14:04,120 Speaker 3: I'm gonna look at it, you know, and if I don't, 284 00:14:04,400 --> 00:14:07,320 Speaker 3: I will sit and wait to see, you know, what 285 00:14:07,440 --> 00:14:09,439 Speaker 3: her move is. But I'm not in a rush. That's 286 00:14:09,480 --> 00:14:11,600 Speaker 3: one thing is that for those of you who are 287 00:14:11,720 --> 00:14:16,400 Speaker 3: looking to buy and purchase, there's always deals to be found, 288 00:14:17,520 --> 00:14:19,840 Speaker 3: and if you are not in a rush, try not 289 00:14:19,920 --> 00:14:23,200 Speaker 3: to rush, because it's very easy to get like because 290 00:14:23,240 --> 00:14:24,600 Speaker 3: I mean my realtor, I could tell she's kind of 291 00:14:24,600 --> 00:14:26,040 Speaker 3: annoyed with me because she's like, oh, you should have 292 00:14:26,120 --> 00:14:28,520 Speaker 3: put in for like, you know, hire, and I was 293 00:14:28,640 --> 00:14:32,080 Speaker 3: just like, why should I pay more? Because we're in 294 00:14:32,160 --> 00:14:37,720 Speaker 3: a market where it's it's hot potato, where these homes 295 00:14:37,720 --> 00:14:40,920 Speaker 3: were being passed around, and it was like this hot 296 00:14:41,000 --> 00:14:44,560 Speaker 3: market and someone's gonna get stuck with the potato and 297 00:14:44,720 --> 00:14:47,080 Speaker 3: it's very clear if I purchased it at the five 298 00:14:47,080 --> 00:14:50,440 Speaker 3: point thirty nine, it would be me because we see 299 00:14:50,520 --> 00:14:53,520 Speaker 3: already we're in a market where go on realtor dot 300 00:14:53,520 --> 00:14:56,520 Speaker 3: com or anything, you will literally see almost every home 301 00:14:56,560 --> 00:14:59,960 Speaker 3: has a download arrow of this home was recently reduced. 302 00:15:00,880 --> 00:15:02,880 Speaker 3: Like that's the market where it is no longer a 303 00:15:02,960 --> 00:15:05,360 Speaker 3: seller's market, but it's actually not a buyer's market either, 304 00:15:05,800 --> 00:15:09,920 Speaker 3: and we're in a rare fair market, And so it 305 00:15:09,960 --> 00:15:12,920 Speaker 3: doesn't make sense for me to overspend. Now in ten years, 306 00:15:12,920 --> 00:15:14,840 Speaker 3: do I think I get my money back? Sure, but 307 00:15:14,920 --> 00:15:17,040 Speaker 3: it doesn't make sense for me to overspend because at 308 00:15:17,080 --> 00:15:19,440 Speaker 3: the end of the day, I'm looking at my holistic 309 00:15:19,520 --> 00:15:22,240 Speaker 3: financial life and it's an opportunity cost because do you 310 00:15:22,320 --> 00:15:24,760 Speaker 3: know what five hundred thousand can do in this market 311 00:15:25,400 --> 00:15:27,560 Speaker 3: amazon as the lowest has been in like how many years, 312 00:15:27,560 --> 00:15:31,000 Speaker 3: twenty years? You know, five hundred thousand in the market 313 00:15:31,080 --> 00:15:34,600 Speaker 3: now could potentially be a million, two million in the 314 00:15:34,640 --> 00:15:37,920 Speaker 3: next five six years. And so knowing that, I just 315 00:15:38,080 --> 00:15:40,360 Speaker 3: was like, no, I'm not willing to go. I'm willing 316 00:15:40,400 --> 00:15:42,840 Speaker 3: to like, well, she won't even negotiate, so that's fine, 317 00:15:43,600 --> 00:15:45,520 Speaker 3: but I'm not willing to go to the price because 318 00:15:45,560 --> 00:15:47,000 Speaker 3: I've heard behind the scenes that she's like, I'm not 319 00:15:47,000 --> 00:15:49,440 Speaker 3: lowering it anymore, which is her right, you know, But 320 00:15:49,480 --> 00:15:52,560 Speaker 3: for me, I'm not willing to overspend on something that 321 00:15:52,600 --> 00:15:57,400 Speaker 3: I know. Now, is it worth the money she's asking 322 00:15:57,720 --> 00:16:00,400 Speaker 3: or is it? Yes? But is it that valued at 323 00:16:00,400 --> 00:16:03,320 Speaker 3: the money she's asking. No, because something can be worth 324 00:16:03,360 --> 00:16:06,240 Speaker 3: a thing, but if the market says I will not 325 00:16:06,360 --> 00:16:09,400 Speaker 3: purchase it, then the value has been stated, which is like, no, 326 00:16:09,480 --> 00:16:12,040 Speaker 3: not this. It's not because of the thing itself. It's 327 00:16:12,120 --> 00:16:14,440 Speaker 3: just because of the economy that we're in now. You 328 00:16:14,520 --> 00:16:16,480 Speaker 3: just can't get that price. So so I'll give you 329 00:16:16,520 --> 00:16:17,680 Speaker 3: guys some updates. 330 00:16:17,320 --> 00:16:19,560 Speaker 2: You know, and seeing I mean, so it seems like 331 00:16:19,600 --> 00:16:21,200 Speaker 2: that is off the table then, and you're going to 332 00:16:21,240 --> 00:16:22,320 Speaker 2: look for a different property. 333 00:16:22,640 --> 00:16:24,560 Speaker 3: No, because I'm open. Here's the thing, Like I said, 334 00:16:24,560 --> 00:16:27,160 Speaker 3: I'm fortunate in that, you know, don't. I don't have 335 00:16:27,160 --> 00:16:30,680 Speaker 3: any mortgages. My house is beautiful. I'm just open to 336 00:16:30,760 --> 00:16:34,000 Speaker 3: me the one. If the right opportunity comes along, I 337 00:16:34,040 --> 00:16:36,080 Speaker 3: will take advantage of it. But if not, it might 338 00:16:36,120 --> 00:16:38,160 Speaker 3: be two or three years and I'll stay here, you know. 339 00:16:38,520 --> 00:16:40,800 Speaker 3: I'm just basically it's just like, if the right opportunity 340 00:16:40,880 --> 00:16:42,640 Speaker 3: comes along, then I'll take advantage of it. But I 341 00:16:43,080 --> 00:16:46,840 Speaker 3: think it's just I think it's important for our listeners 342 00:16:46,880 --> 00:16:51,120 Speaker 3: to hear, like, here's what's happening twenty twenty three. I mean, 343 00:16:51,160 --> 00:16:52,640 Speaker 3: there's some economists that are like, we've been in a 344 00:16:52,680 --> 00:16:55,480 Speaker 3: recession since since January twenty twenty two. That's what some 345 00:16:55,520 --> 00:16:59,040 Speaker 3: economists are saying, because you know, we had the we 346 00:16:59,120 --> 00:17:04,720 Speaker 3: had the two quarters of economic strinkage of our GDP, 347 00:17:04,800 --> 00:17:07,000 Speaker 3: which is like the output of a country, right, the 348 00:17:07,040 --> 00:17:10,840 Speaker 3: financial output of a country. So some people are saying that, 349 00:17:10,920 --> 00:17:13,240 Speaker 3: you know, we've been in a recession, but I believe 350 00:17:13,280 --> 00:17:17,320 Speaker 3: by twenty twenty three it will be an undeniable recession, 351 00:17:17,440 --> 00:17:20,320 Speaker 3: meaning like the government will say so and everybody will 352 00:17:20,359 --> 00:17:24,439 Speaker 3: be on agreement that. And too, although the job market 353 00:17:25,000 --> 00:17:29,280 Speaker 3: is currently still strong, I think it's lagging behind what's 354 00:17:29,320 --> 00:17:34,200 Speaker 3: actually happening because like there are a lot of small businesses, 355 00:17:34,200 --> 00:17:37,399 Speaker 3: including myself, we've had to make some shrinkage, like you know, 356 00:17:37,520 --> 00:17:39,280 Speaker 3: like I think in twenty twenty three, you're going to 357 00:17:39,320 --> 00:17:42,479 Speaker 3: see that people are going to be let go and 358 00:17:42,560 --> 00:17:45,000 Speaker 3: maybe they're you know, they've already gotten their walking papers, 359 00:17:45,040 --> 00:17:49,760 Speaker 3: like Twitter, where in February, like they've been told now, 360 00:17:49,800 --> 00:17:52,840 Speaker 3: but in February that's when it'll officially be done. So 361 00:17:52,880 --> 00:17:54,720 Speaker 3: I think in twenty twenty three, we're also going to 362 00:17:54,720 --> 00:17:59,080 Speaker 3: see an uptick in unemployment, you know, like although we 363 00:17:59,119 --> 00:18:01,720 Speaker 3: haven't seen it yet, I think the job market is lagging. 364 00:18:01,920 --> 00:18:05,600 Speaker 3: So you're going to see home prices decrease because they've 365 00:18:05,600 --> 00:18:09,080 Speaker 3: been on like a tear, you know. And then you're 366 00:18:09,080 --> 00:18:10,720 Speaker 3: also going to see I think a lot more people 367 00:18:10,840 --> 00:18:16,480 Speaker 3: unfortunately losing their jobs, and inflation is still has a 368 00:18:16,520 --> 00:18:20,240 Speaker 3: hold on us. And you know, Jerome Powell, you know, 369 00:18:20,280 --> 00:18:22,800 Speaker 3: from the FEDS, from the Federal Reserve Bank, has made 370 00:18:22,840 --> 00:18:24,439 Speaker 3: it very clear that he's going to do whatever it 371 00:18:24,480 --> 00:18:28,359 Speaker 3: takes to bring inflation underfoot, you know, if that means 372 00:18:28,400 --> 00:18:32,360 Speaker 3: increasing the interest rate again, which they just did last week, 373 00:18:32,640 --> 00:18:36,480 Speaker 3: and so interest rates are higher, mortgage interest rates are 374 00:18:36,520 --> 00:18:37,920 Speaker 3: higher as a result. I think we're at like seven 375 00:18:37,960 --> 00:18:40,960 Speaker 3: percent for a thirty year mortgage. Yeah, I think we should. 376 00:18:41,000 --> 00:18:42,720 Speaker 3: I think our next episode we should really talk about 377 00:18:42,720 --> 00:18:46,160 Speaker 3: preparation for the recession and like what our listeners to do. 378 00:18:46,320 --> 00:18:48,240 Speaker 3: But I'm just sharing that so you understand like my 379 00:18:48,320 --> 00:18:51,280 Speaker 3: thinking about, you know, whether or not to purchase of property, 380 00:18:51,320 --> 00:18:53,520 Speaker 3: and if I do, I want to do so in 381 00:18:53,560 --> 00:18:55,000 Speaker 3: a way that because at the end of the day, 382 00:18:55,600 --> 00:18:58,560 Speaker 3: buying a home is probably the most expensive choice most 383 00:18:58,560 --> 00:19:00,679 Speaker 3: of us will ever make. I don't want to do 384 00:19:00,720 --> 00:19:03,040 Speaker 3: so just because I'm like, I love it, you know, 385 00:19:03,080 --> 00:19:05,560 Speaker 3: it's like, Okay, it's gonna be a lot of homes 386 00:19:05,600 --> 00:19:09,080 Speaker 3: you live. Let's talk about the financial ramifications of that purchase. 387 00:19:09,240 --> 00:19:10,960 Speaker 2: Well, I'm glad you brought up layoffs. I mean, as 388 00:19:11,000 --> 00:19:13,959 Speaker 2: a career coach, I'm already seeing it in the Mandy Moneymakers, 389 00:19:14,560 --> 00:19:16,760 Speaker 2: and it's one of the reasons why. Yeah, I mean, 390 00:19:17,119 --> 00:19:20,720 Speaker 2: not huge numbers, but certainly some people in our community 391 00:19:20,960 --> 00:19:24,840 Speaker 2: have been laid off this in the past few months now. 392 00:19:24,880 --> 00:19:27,159 Speaker 2: One was laid off in August and already has a 393 00:19:27,200 --> 00:19:30,040 Speaker 2: great job, earning more than she was getting paid from 394 00:19:30,040 --> 00:19:33,320 Speaker 2: the job that later off. It took her two months, 395 00:19:33,359 --> 00:19:34,720 Speaker 2: two and a half months, I think, so it was 396 00:19:34,760 --> 00:19:37,720 Speaker 2: a long wait, but she was able to bounce back. 397 00:19:37,920 --> 00:19:41,040 Speaker 2: So I think it's like, what I'm seeing is, yes, 398 00:19:41,119 --> 00:19:43,440 Speaker 2: layoffs are happening, and it's just par for the course. 399 00:19:43,520 --> 00:19:43,719 Speaker 3: You know. 400 00:19:43,840 --> 00:19:48,880 Speaker 2: I really approach career coaching for realistic position of layoffs happen. 401 00:19:49,080 --> 00:19:52,000 Speaker 2: I think if you're going to have a long career, 402 00:19:52,040 --> 00:19:54,440 Speaker 2: it's probably going to happen to you at some point. 403 00:19:54,480 --> 00:19:56,520 Speaker 2: I have been laid off myself, and the message for 404 00:19:56,600 --> 00:19:59,800 Speaker 2: me is always career resiliency, Like, how can you create 405 00:20:00,320 --> 00:20:04,120 Speaker 2: professional resiliency so that you have like a network who 406 00:20:04,119 --> 00:20:06,760 Speaker 2: can support you if you need support if you're to 407 00:20:06,800 --> 00:20:08,520 Speaker 2: be layoff, So people who you can reach out to 408 00:20:08,560 --> 00:20:11,320 Speaker 2: and let them know I'm open to a no opportunity 409 00:20:11,400 --> 00:20:14,480 Speaker 2: And because of the like the relationships that you've built 410 00:20:14,480 --> 00:20:17,240 Speaker 2: and the reputation that you have in your field, that 411 00:20:17,280 --> 00:20:19,359 Speaker 2: you'll be able to bounce back a little bit more 412 00:20:19,440 --> 00:20:23,760 Speaker 2: quickly than if you're starting cold. Yeah, and I think shit, 413 00:20:23,920 --> 00:20:26,399 Speaker 2: like on on Friday half of Twitter's workforce. Did you 414 00:20:26,440 --> 00:20:28,959 Speaker 2: hear that they laid off half the workforce, which is 415 00:20:29,040 --> 00:20:31,720 Speaker 2: just brutal. But then they were calling some people back 416 00:20:32,080 --> 00:20:34,800 Speaker 2: and saying just never mind, we think you should come back. 417 00:20:34,800 --> 00:20:35,560 Speaker 2: You're too essential. 418 00:20:36,200 --> 00:20:37,480 Speaker 3: Ah, not any of that. 419 00:20:38,359 --> 00:20:42,880 Speaker 2: What is Elon doing? It's awful. And he's already tweeted 420 00:20:42,920 --> 00:20:47,360 Speaker 2: like vote Republican and how he's one of his first 421 00:20:47,600 --> 00:20:51,439 Speaker 2: you know, one of his first missions is to what 422 00:20:51,560 --> 00:20:55,440 Speaker 2: you call it, like clamp down, clamp down, stamp down 423 00:20:55,440 --> 00:20:58,080 Speaker 2: on whatever, fight back against parody accounts because a lot 424 00:20:58,119 --> 00:21:00,840 Speaker 2: of people parody Elon Musk because he is. 425 00:21:00,920 --> 00:21:04,240 Speaker 3: Saw that Kathy Griffin. They kicked her off as a result. 426 00:21:04,800 --> 00:21:08,520 Speaker 2: Really, yeah, so he's a bully. He's such a freaking 427 00:21:08,600 --> 00:21:13,080 Speaker 2: billionaire bully. And it's a shame, you know that a 428 00:21:13,119 --> 00:21:15,959 Speaker 2: man like him can just wield his influence and his 429 00:21:16,720 --> 00:21:19,640 Speaker 2: huge financial power and just take over a whole company 430 00:21:19,720 --> 00:21:23,840 Speaker 2: like that. And Twitter just felt like the people's company 431 00:21:23,840 --> 00:21:25,320 Speaker 2: in a weird way. I mean, it's a business, right, 432 00:21:25,840 --> 00:21:27,800 Speaker 2: but it just doesn't feel like that anymore, and I 433 00:21:27,840 --> 00:21:30,880 Speaker 2: don't want to use it. But it's not the only 434 00:21:30,920 --> 00:21:32,480 Speaker 2: ones like we're going to be seeing. And this is 435 00:21:32,520 --> 00:21:35,120 Speaker 2: heading into the fourth quarter. We're already in the fourth quarter. 436 00:21:35,359 --> 00:21:40,119 Speaker 2: Layofs are really common before the holidays, so yeah, I mean, realistically, 437 00:21:40,160 --> 00:21:43,480 Speaker 2: you should absolutely be preparing for what happens if you 438 00:21:43,480 --> 00:21:45,720 Speaker 2: were to be laid off, so I would be. And 439 00:21:45,800 --> 00:21:47,440 Speaker 2: a lot of the same practices that can help you 440 00:21:47,480 --> 00:21:50,760 Speaker 2: prepare professionally can also help you financially, so you know, 441 00:21:50,840 --> 00:21:54,919 Speaker 2: get your emergency funds shored up, cut back on expenses 442 00:21:54,960 --> 00:21:57,960 Speaker 2: if you can, you know, of course, Dust off that 443 00:21:58,040 --> 00:22:01,119 Speaker 2: resume and be looking, you know, take the take interview 444 00:22:01,200 --> 00:22:05,360 Speaker 2: opportunities as they come to you, and keep your networks 445 00:22:05,400 --> 00:22:08,480 Speaker 2: fresh and warm, so, you know, look for opportunities to 446 00:22:08,520 --> 00:22:10,960 Speaker 2: connect to former colleagues and peers in your network and 447 00:22:11,400 --> 00:22:13,639 Speaker 2: let them know what you're interested in. And certainly, if 448 00:22:13,680 --> 00:22:16,600 Speaker 2: you're hearing whispers, you know, some of these layoffs don't 449 00:22:16,600 --> 00:22:20,040 Speaker 2: happen out of nowhere. You hear whispers at your company, 450 00:22:20,119 --> 00:22:22,280 Speaker 2: and some companies tell you, you know, like they have 451 00:22:22,320 --> 00:22:24,880 Speaker 2: the hiring freezes and hiring pauses. That's a good indication. 452 00:22:25,520 --> 00:22:28,359 Speaker 2: Potentially layoffs could happen if these freezes are not enough. 453 00:22:28,600 --> 00:22:31,520 Speaker 2: So what can you do to bounce back? And how 454 00:22:31,520 --> 00:22:32,919 Speaker 2: can you use your network to do that? 455 00:22:33,080 --> 00:22:35,720 Speaker 3: So I have a question, So Mandy, how because you've 456 00:22:35,760 --> 00:22:38,720 Speaker 3: told me it took her two months on average when 457 00:22:39,320 --> 00:22:42,760 Speaker 3: things are not bad, how long are typically people or 458 00:22:42,760 --> 00:22:44,679 Speaker 3: your Mandy money makers, how long have they like, if 459 00:22:44,720 --> 00:22:47,560 Speaker 3: they lost their job, how long before they replaced it typically? 460 00:22:47,960 --> 00:22:51,840 Speaker 2: Yeah, Well, I've only seen I think three Mandy money makers, 461 00:22:51,880 --> 00:22:54,399 Speaker 2: so it's not a huge statistical sample, but three Mandy 462 00:22:54,400 --> 00:22:58,320 Speaker 2: money makers have been laid off since August and one 463 00:22:58,400 --> 00:23:02,440 Speaker 2: worked in HR one War worked for a big health 464 00:23:02,480 --> 00:23:05,200 Speaker 2: coaching like a kind of like Uber for fitness coaching, 465 00:23:06,000 --> 00:23:11,560 Speaker 2: a company called Noom, and then another dank oh yes, yes, yeah, 466 00:23:11,600 --> 00:23:15,400 Speaker 2: and she was in like equity, diversity Equity. It's these 467 00:23:15,440 --> 00:23:17,199 Speaker 2: like HR roles, the two that I've had, and then 468 00:23:17,200 --> 00:23:18,800 Speaker 2: I forget where the third one works. I need to 469 00:23:18,800 --> 00:23:21,120 Speaker 2: go back and check. But like I said, the first 470 00:23:21,119 --> 00:23:23,360 Speaker 2: one who got was laid off. Actually she was only 471 00:23:23,400 --> 00:23:26,159 Speaker 2: laid off three months after joining the company, which the 472 00:23:26,200 --> 00:23:28,920 Speaker 2: same thing happened to me. First last one hired, first 473 00:23:28,920 --> 00:23:30,840 Speaker 2: one fired, you know, tales oldest time. She was laid 474 00:23:30,840 --> 00:23:33,760 Speaker 2: off in August and she had two interviews going at 475 00:23:33,880 --> 00:23:37,640 Speaker 2: two good job prospects going at the same time dragging 476 00:23:37,680 --> 00:23:40,919 Speaker 2: their feet because I do think at companies you're seeing 477 00:23:41,000 --> 00:23:43,480 Speaker 2: a lot of uncertainty and even if you had like 478 00:23:43,600 --> 00:23:47,680 Speaker 2: headcount approved for open roles, I think recruiters in HR 479 00:23:47,920 --> 00:23:51,560 Speaker 2: are still getting mixed signals, probably from higher ups on 480 00:23:51,600 --> 00:23:54,919 Speaker 2: can we fill this headcount? You know, one of my 481 00:23:54,960 --> 00:23:58,080 Speaker 2: Mandy money makers is in at a big Silicon Valley 482 00:23:58,080 --> 00:24:00,919 Speaker 2: company right now that you all would know, and she 483 00:24:01,200 --> 00:24:05,320 Speaker 2: is interviewing or was interviewing rather at Amazon, and then 484 00:24:05,359 --> 00:24:09,359 Speaker 2: her hiring process was put on hold, so yeah, which is, 485 00:24:09,600 --> 00:24:12,679 Speaker 2: you know, luckily she has a great job to shelter in, 486 00:24:13,240 --> 00:24:16,560 Speaker 2: but I'm definitely seeing it happen. And the first one 487 00:24:16,600 --> 00:24:18,240 Speaker 2: that I mentioned that was laid off in August, she 488 00:24:18,400 --> 00:24:21,919 Speaker 2: just got a great new job in October, so it 489 00:24:21,960 --> 00:24:24,879 Speaker 2: took her two and a half months or so. So 490 00:24:25,119 --> 00:24:27,159 Speaker 2: I think what you said about jobs sort of lagging 491 00:24:27,160 --> 00:24:29,000 Speaker 2: what's happening in the market's true. I think we have 492 00:24:29,119 --> 00:24:31,920 Speaker 2: to take a realistic look at it. And what gives 493 00:24:31,960 --> 00:24:36,520 Speaker 2: me hope is that, yes, layoffs are happening, but I'm 494 00:24:36,560 --> 00:24:40,800 Speaker 2: also seeing that people are finding those opportunities. And the 495 00:24:40,880 --> 00:24:42,720 Speaker 2: second one who I mentioned, who got laid off from 496 00:24:42,840 --> 00:24:46,520 Speaker 2: the health and Health coaching company, she's had interviews at 497 00:24:46,520 --> 00:24:50,760 Speaker 2: great firms and she's really you know, optimistic. And both 498 00:24:50,800 --> 00:24:54,399 Speaker 2: of these women have been executing everything that they've learned 499 00:24:54,440 --> 00:24:57,159 Speaker 2: through the Mandy money makers, you know, really leveraging their networks, 500 00:24:57,640 --> 00:25:00,520 Speaker 2: not being shy about posting on LinkedIn even about their 501 00:25:01,080 --> 00:25:04,760 Speaker 2: journey post layoff. You know, how it's been going and 502 00:25:04,800 --> 00:25:08,280 Speaker 2: what they're seeing, and but that's it's it's a reality. 503 00:25:08,320 --> 00:25:11,920 Speaker 2: So I definitely think that we should be if you're 504 00:25:11,920 --> 00:25:13,920 Speaker 2: working nine to five. This is one of those times 505 00:25:13,960 --> 00:25:17,119 Speaker 2: where it's like, Okay, what am I doing to create 506 00:25:17,160 --> 00:25:18,400 Speaker 2: more resiliency so. 507 00:25:18,320 --> 00:25:23,400 Speaker 3: That if when something happens you can we should definitely little. 508 00:25:23,440 --> 00:25:29,119 Speaker 3: I think we should have literally like a recession, like 509 00:25:29,600 --> 00:25:31,840 Speaker 3: you know, like literally like take questions Q and al 510 00:25:32,080 --> 00:25:35,960 Speaker 3: like our Baqa recession questions and then like a so 511 00:25:36,119 --> 00:25:38,199 Speaker 3: we could really deep dive into like how to prepare 512 00:25:38,760 --> 00:25:41,000 Speaker 3: your career, how to prepare your business, and how to 513 00:25:41,000 --> 00:25:44,240 Speaker 3: prepare you know, your personal finances like those three things. 514 00:25:44,320 --> 00:25:47,040 Speaker 3: I think that would be so helpful for our listeners 515 00:25:47,080 --> 00:25:50,320 Speaker 3: because it doesn't have to be this big, bad, scary thing. 516 00:25:50,400 --> 00:25:54,679 Speaker 3: But certainly, you know, the first recession, I had no idea. 517 00:25:54,760 --> 00:25:56,320 Speaker 3: I bought a house at top of market, like da 518 00:25:56,400 --> 00:25:59,680 Speaker 3: da da da. I'm twenty five and out here doing 519 00:25:59,760 --> 00:26:04,000 Speaker 3: big grew up session. What's the recession? Ru googling it, 520 00:26:04,440 --> 00:26:07,280 Speaker 3: we would well, ooh girl, they say people lose their job, 521 00:26:07,320 --> 00:26:12,240 Speaker 3: but not teachers owe me too. So my first introduction 522 00:26:12,359 --> 00:26:14,880 Speaker 3: to the recession was raugh and so we don't want 523 00:26:14,880 --> 00:26:17,280 Speaker 3: that for you. You know, there's a lot that you know, 524 00:26:17,520 --> 00:26:20,120 Speaker 3: we wish we would have known, and I'm way more 525 00:26:20,119 --> 00:26:23,520 Speaker 3: prepared now. That's why I was like, m Tiffany, even 526 00:26:23,560 --> 00:26:26,040 Speaker 3: though I would buy this place and it wouldn't have 527 00:26:26,040 --> 00:26:29,240 Speaker 3: a mortgage, you know, I'm still committing to like twenty 528 00:26:29,280 --> 00:26:33,240 Speaker 3: one thousand dollars a year and just overhead, just basic overhead, 529 00:26:33,560 --> 00:26:35,280 Speaker 3: which not to say I can't afford that, but I 530 00:26:35,359 --> 00:26:39,520 Speaker 3: was just like, what's the desired outcome? And does this 531 00:26:39,640 --> 00:26:41,960 Speaker 3: meet it? Or just doesn't meet some of it? 532 00:26:42,400 --> 00:26:42,600 Speaker 5: You know? 533 00:26:42,800 --> 00:26:46,360 Speaker 3: And so I think every almost all of our choices 534 00:26:46,760 --> 00:26:49,440 Speaker 3: are also financial choices, and if we keep those in mind, 535 00:26:49,880 --> 00:26:52,919 Speaker 3: then I truly believe that you can, you know, you 536 00:26:52,960 --> 00:26:55,679 Speaker 3: can make a choice that meets at least most of 537 00:26:55,680 --> 00:26:59,240 Speaker 3: your criteria, you know, like and so yeah, So I 538 00:26:59,359 --> 00:27:01,360 Speaker 3: just think that I'm glad that, you know, they get 539 00:27:01,400 --> 00:27:02,880 Speaker 3: to kind of come along the ride with us as 540 00:27:02,920 --> 00:27:05,600 Speaker 3: we like navigate this because I love in real time hearing, 541 00:27:05,720 --> 00:27:08,320 Speaker 3: like even though I know it's not this large cross 542 00:27:08,320 --> 00:27:11,680 Speaker 3: section of the Mandy money makers, but it's it's real 543 00:27:11,720 --> 00:27:13,720 Speaker 3: life happening to real people that we get to see, 544 00:27:13,720 --> 00:27:16,240 Speaker 3: like what's happening when it comes to the job marker? 545 00:27:16,240 --> 00:27:19,160 Speaker 3: How long did it take? And then too, I think 546 00:27:19,480 --> 00:27:23,320 Speaker 3: one of the biggest takeaways is like, look what happens 547 00:27:23,320 --> 00:27:28,680 Speaker 3: when you actually have help navigating that space versus maybe 548 00:27:28,760 --> 00:27:30,560 Speaker 3: if you know, maybe it would have been four months 549 00:27:30,680 --> 00:27:31,760 Speaker 3: or five months if. 550 00:27:31,760 --> 00:27:35,600 Speaker 2: She was out here instead of getting feeling absolutely and 551 00:27:35,720 --> 00:27:37,680 Speaker 2: like the support of having a place you can go 552 00:27:37,760 --> 00:27:40,640 Speaker 2: and say, y'all, I got laid off today, I'm kind 553 00:27:40,680 --> 00:27:43,520 Speaker 2: of freaking out. And you know, it's been really wonderful 554 00:27:43,560 --> 00:27:46,920 Speaker 2: to see the makers kind of just cover these women 555 00:27:47,000 --> 00:27:51,040 Speaker 2: and cover their fellow makers. This is my first proceession 556 00:27:51,040 --> 00:27:54,800 Speaker 2: as a business owner, so I'm even thinking, huh, am 557 00:27:54,800 --> 00:27:57,200 Speaker 2: I gonna sink this much into my like my solo 558 00:27:57,240 --> 00:27:59,720 Speaker 2: four one care should I keep more cash, you know, 559 00:27:59,800 --> 00:28:02,560 Speaker 2: and my reserves since here, Yeah, I. 560 00:28:02,600 --> 00:28:06,320 Speaker 3: Can talk about it because honestly, like we I've been prepared, honey. 561 00:28:06,800 --> 00:28:09,520 Speaker 3: Like I was like during COVID, I was freaked out. 562 00:28:09,560 --> 00:28:11,719 Speaker 3: I was like, uh, we had one month worth of 563 00:28:12,200 --> 00:28:17,000 Speaker 3: emergency savings, and I said, it's not in all. So 564 00:28:17,119 --> 00:28:21,320 Speaker 3: now all of my companies have six months of emergency savings, 565 00:28:21,960 --> 00:28:23,800 Speaker 3: and well, we're going to talk. Like I said, I 566 00:28:23,800 --> 00:28:25,639 Speaker 3: think it's there's so much stuff that we could do 567 00:28:25,640 --> 00:28:28,560 Speaker 3: to prepare. But we also have pivot plans of like 568 00:28:28,720 --> 00:28:30,440 Speaker 3: I call it going to the bank. I tell it 569 00:28:30,520 --> 00:28:34,280 Speaker 3: to all like my mentees and my mentor Tiffany dot com. 570 00:28:34,320 --> 00:28:36,159 Speaker 3: Is that like, you should have this thing where I 571 00:28:36,240 --> 00:28:38,960 Speaker 3: call it where it's like you have your regular business model. 572 00:28:39,240 --> 00:28:42,280 Speaker 3: But if stuff is you know, the young people say, 573 00:28:42,280 --> 00:28:45,360 Speaker 3: if shit gets thick, then I can go to the bank. 574 00:28:45,760 --> 00:28:47,480 Speaker 3: And sometimes going to the bank is like I can 575 00:28:47,520 --> 00:28:50,080 Speaker 3: do consulting. Like for example, for me personally, I know 576 00:28:50,680 --> 00:28:52,960 Speaker 3: that if if I wanted, I could do one on 577 00:28:52,960 --> 00:28:55,600 Speaker 3: one consulting and make quite a bit of money. I 578 00:28:55,600 --> 00:28:57,960 Speaker 3: don't particularly want to do one on one consulting, but 579 00:28:57,960 --> 00:29:01,240 Speaker 3: if things got really bad, that's the bank for the Budgetista. 580 00:29:01,440 --> 00:29:03,560 Speaker 3: Back when I first started the Budgetista, the bank was 581 00:29:03,640 --> 00:29:07,280 Speaker 3: babysitting and tutoring. It was like, oh my gosh, Budgetesta 582 00:29:07,280 --> 00:29:09,560 Speaker 3: made no money, but that's okay. I babysat and tutored 583 00:29:09,720 --> 00:29:13,320 Speaker 3: to make money instantly. And so I think every business 584 00:29:13,320 --> 00:29:18,440 Speaker 3: owner should have some ways, even if it's not ways 585 00:29:18,480 --> 00:29:20,440 Speaker 3: that you're currently doing that you could tap into that 586 00:29:20,520 --> 00:29:23,720 Speaker 3: bank and say, if I had to, I could do this, this, this, this, 587 00:29:23,840 --> 00:29:26,760 Speaker 3: Like I know you don't particularly like editing being an 588 00:29:26,840 --> 00:29:29,640 Speaker 3: editor anymore, but you know, if you had to, you 589 00:29:29,680 --> 00:29:33,240 Speaker 3: could take make some right. You can make some coin 590 00:29:33,360 --> 00:29:37,160 Speaker 3: in the meantime on the way out exactly. Those are 591 00:29:37,200 --> 00:29:39,920 Speaker 3: That's why it's important. So now, but this is good. 592 00:29:39,920 --> 00:29:44,120 Speaker 3: I mean, I just think, like you know, well, by 593 00:29:44,160 --> 00:29:47,680 Speaker 3: the time you guys hear this episode, you know officially, 594 00:29:47,760 --> 00:29:52,160 Speaker 3: voting will be over. You know, I know, I'm I know, 595 00:29:53,080 --> 00:29:55,200 Speaker 3: but I mean, here's the thing, here's the thing, here's 596 00:29:55,200 --> 00:29:58,120 Speaker 3: the thing, here's the thing I told myself. Regardless of 597 00:29:58,120 --> 00:30:02,480 Speaker 3: what happens, life move on, meaning that you have to 598 00:30:02,640 --> 00:30:06,080 Speaker 3: whether it's a Republican House Senate that like we will, 599 00:30:06,120 --> 00:30:08,840 Speaker 3: you will have to learn to navigate. Whether it's all Democrat, 600 00:30:08,880 --> 00:30:11,280 Speaker 3: you'd have to learn to navigate. And that's how life 601 00:30:11,360 --> 00:30:14,360 Speaker 3: looks like. You know, it's so cyclical, and you will 602 00:30:14,400 --> 00:30:17,880 Speaker 3: manage and we will. You know. The key is, with 603 00:30:18,000 --> 00:30:20,200 Speaker 3: the tools available to me, how do I make the 604 00:30:20,200 --> 00:30:21,960 Speaker 3: most of it? And that's all that can be asked 605 00:30:21,960 --> 00:30:24,240 Speaker 3: of you. So you know, just keep that in mind 606 00:30:24,240 --> 00:30:26,960 Speaker 3: that like you know, there have been worse that's happened, 607 00:30:26,960 --> 00:30:28,920 Speaker 3: and there have been better that's happened. Neither way, You're 608 00:30:28,960 --> 00:30:29,640 Speaker 3: still here. 609 00:30:29,440 --> 00:30:33,200 Speaker 2: So absolutely, and it's such a it's like a Buddhist 610 00:30:33,240 --> 00:30:35,160 Speaker 2: way of looking at things that in life there are 611 00:30:36,240 --> 00:30:39,920 Speaker 2: there are intense moments of joy and ups and everyone's 612 00:30:39,960 --> 00:30:42,320 Speaker 2: making money and it's all great, and then you also 613 00:30:42,400 --> 00:30:43,880 Speaker 2: have to be ready for the other foot to drop. 614 00:30:44,000 --> 00:30:46,640 Speaker 2: And I think that it's not pessimism, it's realism, and 615 00:30:46,640 --> 00:30:49,000 Speaker 2: that's what I like to bring to the table. But 616 00:30:49,040 --> 00:30:52,200 Speaker 2: there's still room to be optimistic. It's just about okay, 617 00:30:52,560 --> 00:30:55,600 Speaker 2: let's be optimistic and cautiously optimistic moving forward. 618 00:30:56,360 --> 00:30:57,640 Speaker 3: Yeah, and plan either way? 619 00:30:58,200 --> 00:31:00,920 Speaker 2: Absolutely well? Should we take a cao break a break 620 00:31:00,960 --> 00:31:04,200 Speaker 2: and come wait shu, all right, I gotta think of 621 00:31:04,200 --> 00:31:07,040 Speaker 2: a booster break. Day was gonna be right. 622 00:31:06,920 --> 00:31:15,320 Speaker 5: Back, okay, and we're blacking back, and now it's time 623 00:31:15,640 --> 00:31:17,400 Speaker 5: for boostom bring. 624 00:31:17,320 --> 00:31:20,320 Speaker 3: Boost, don't bring boot, don't bring up boost? Are you 625 00:31:20,400 --> 00:31:24,720 Speaker 3: gonna boost? Are you gonna break? You're gonna break? Which 626 00:31:24,720 --> 00:31:27,960 Speaker 3: one are you gonna do? Magic? Which one? Will you take? Boost? 627 00:31:27,960 --> 00:31:30,720 Speaker 3: A break? Because yours is a big, mine is short, 628 00:31:30,720 --> 00:31:32,200 Speaker 3: So I'll just do and then that way we can 629 00:31:32,480 --> 00:31:36,200 Speaker 3: we can wax poetic on yours like after yeah, okay, 630 00:31:36,240 --> 00:31:38,320 Speaker 3: so minus willian leta of course, I just forgot it, 631 00:31:38,400 --> 00:31:40,560 Speaker 3: darn it. It was not like a big one. It 632 00:31:40,680 --> 00:31:42,040 Speaker 3: was like, oh my god, it was right here. 633 00:31:42,480 --> 00:31:45,600 Speaker 2: It's cheap it's too much energy helping me think of mine? 634 00:31:47,320 --> 00:31:51,960 Speaker 3: No, what was it? It was, oh, okay, this is 635 00:31:52,000 --> 00:31:54,680 Speaker 3: my my boost. It's I mean, it's a big deal, 636 00:31:54,720 --> 00:31:57,840 Speaker 3: but not like a big deal for me personally. I've 637 00:31:57,880 --> 00:32:03,400 Speaker 3: decided I decided long anyway, I've decided that. Like I mean, 638 00:32:03,480 --> 00:32:05,640 Speaker 3: y'all know, I've been like redesigning my life. I just 639 00:32:05,640 --> 00:32:07,440 Speaker 3: actually I've not spoken to doctor Green in a month, 640 00:32:07,440 --> 00:32:09,720 Speaker 3: and we finally had our session like last week, and 641 00:32:09,760 --> 00:32:11,560 Speaker 3: I was sharing her all the changes, and she was like, 642 00:32:11,560 --> 00:32:12,920 Speaker 3: are you just in awe of the women that you 643 00:32:13,040 --> 00:32:19,280 Speaker 3: become activity? And I was like, but I told her 644 00:32:19,840 --> 00:32:21,840 Speaker 3: that one of the things on my list is I 645 00:32:21,880 --> 00:32:25,040 Speaker 3: want more space and time to just do the things 646 00:32:25,080 --> 00:32:27,360 Speaker 3: that I enjoy. You know that sometimes I feel so 647 00:32:27,560 --> 00:32:29,080 Speaker 3: rushed in the next thing and the next thing in it. 648 00:32:29,320 --> 00:32:32,160 Speaker 3: And I said, so next next year, I told my 649 00:32:32,200 --> 00:32:35,400 Speaker 3: admin rose to put an X on March, to put 650 00:32:35,440 --> 00:32:38,520 Speaker 3: an X on August, and to put an X on December. 651 00:32:38,960 --> 00:32:41,040 Speaker 3: I mean, I'm not going to work those three months. 652 00:32:41,120 --> 00:32:44,840 Speaker 3: And I'm super excited about it, you know, because I'm 653 00:32:44,880 --> 00:32:46,480 Speaker 3: just like I you know, I'm I'm telling all of 654 00:32:46,520 --> 00:32:49,440 Speaker 3: my partners, you know, ahead of time, so that way 655 00:32:49,480 --> 00:32:50,840 Speaker 3: they want to work with me. It doesn't mean that 656 00:32:50,920 --> 00:32:53,480 Speaker 3: nothing will get posted, you know, but it just means that, 657 00:32:53,560 --> 00:32:55,920 Speaker 3: like I will pre tape, like let's just say, I'm like, oh, 658 00:32:55,920 --> 00:32:57,600 Speaker 3: they want me to do some reels or whatever. All 659 00:32:57,640 --> 00:32:59,560 Speaker 3: those things will be done because my team will still 660 00:32:59,560 --> 00:33:02,320 Speaker 3: be working. But you know, I want to create space 661 00:33:02,360 --> 00:33:06,719 Speaker 3: where I'm like, I'm not overworking, you know, because I 662 00:33:06,720 --> 00:33:09,760 Speaker 3: felt I'm not going to lie. I was doing really 663 00:33:09,800 --> 00:33:13,080 Speaker 3: well until the Netflix special came out and then it 664 00:33:13,120 --> 00:33:16,040 Speaker 3: triggered old Tiffany, which is, oh girl, we about to 665 00:33:16,160 --> 00:33:18,840 Speaker 3: get it. And then I was like, oh my gosh, 666 00:33:18,880 --> 00:33:20,400 Speaker 3: and I didn't know how to turn it off. And 667 00:33:20,440 --> 00:33:24,080 Speaker 3: then I got really sick with that upper respiratory and 668 00:33:24,120 --> 00:33:28,240 Speaker 3: it sat my my behind down, and I said, I 669 00:33:28,240 --> 00:33:30,960 Speaker 3: don't want to go back to that, Like there has 670 00:33:31,040 --> 00:33:35,560 Speaker 3: to be a way to you know, celebrate something good 671 00:33:35,680 --> 00:33:40,560 Speaker 3: or promote something without breaking myself, because that's what I 672 00:33:40,560 --> 00:33:42,920 Speaker 3: would just do. I would power through and I don't 673 00:33:42,960 --> 00:33:45,080 Speaker 3: want to be that Tiffany anymore. And so I do 674 00:33:45,200 --> 00:33:47,000 Speaker 3: say all that to say that like I'm excited because 675 00:33:47,120 --> 00:33:49,680 Speaker 3: I'm like, that's what next year is going to look like. 676 00:33:49,680 --> 00:33:50,800 Speaker 3: I don't know I'm going to work it out. But 677 00:33:50,840 --> 00:33:53,520 Speaker 3: I told myself, first you work it out by intending it, 678 00:33:53,640 --> 00:33:55,720 Speaker 3: then you say it, then you let people know, and 679 00:33:55,760 --> 00:33:58,479 Speaker 3: then we work around it. And so that's I'm excited 680 00:33:58,520 --> 00:34:01,400 Speaker 3: about that. So that's my boosty. But I know you 681 00:34:01,440 --> 00:34:03,320 Speaker 3: have a huge booze Managi. 682 00:34:04,640 --> 00:34:08,080 Speaker 2: Yeah, I'm very, very, very freakin proud. So y'all know 683 00:34:08,160 --> 00:34:11,320 Speaker 2: that I started my book proposal journey. That's past summer. 684 00:34:11,360 --> 00:34:14,439 Speaker 2: I started working with the book proposal coach because I think, 685 00:34:14,480 --> 00:34:17,319 Speaker 2: like a lot of journalists and writers, I always wanted 686 00:34:17,320 --> 00:34:20,319 Speaker 2: to write a book, but it was never happening, and 687 00:34:20,360 --> 00:34:22,720 Speaker 2: I realized I needed some accountability. So I started working 688 00:34:22,719 --> 00:34:25,080 Speaker 2: with this coach in June and at the same time 689 00:34:25,239 --> 00:34:30,200 Speaker 2: another coach for my Mandi money Maker's Academy, and doing 690 00:34:30,200 --> 00:34:33,320 Speaker 2: those two things at the same time made me really 691 00:34:33,320 --> 00:34:35,160 Speaker 2: pull back in my business so I could have more 692 00:34:35,200 --> 00:34:37,839 Speaker 2: space for that, and they worked and the like there 693 00:34:37,880 --> 00:34:41,080 Speaker 2: was a method to the madness. The coaching around the 694 00:34:41,120 --> 00:34:44,600 Speaker 2: Many money Maker's Academy was how can I create still 695 00:34:44,680 --> 00:34:46,719 Speaker 2: the same amount of value but less of a high 696 00:34:46,800 --> 00:34:49,520 Speaker 2: touch process or I wasn't so I wouldn't have to 697 00:34:49,520 --> 00:34:53,960 Speaker 2: show up live as often and reinvent the wheel every 698 00:34:53,960 --> 00:34:56,040 Speaker 2: time I had a new cohort. Basically, so how could 699 00:34:56,040 --> 00:34:59,480 Speaker 2: I create like on demand content and take everything I 700 00:34:59,480 --> 00:35:02,759 Speaker 2: had already done and just make it more automatic? And 701 00:35:02,880 --> 00:35:05,600 Speaker 2: that freed up time for me to focus on my 702 00:35:05,640 --> 00:35:09,080 Speaker 2: book proposal. So my book proposal I started working on. 703 00:35:09,160 --> 00:35:11,359 Speaker 2: I took a big break in September when I was 704 00:35:11,680 --> 00:35:14,560 Speaker 2: just free launching Mandy money Makers, and that went off successfully. 705 00:35:14,560 --> 00:35:17,360 Speaker 2: In then October I hit it again and I've done. 706 00:35:17,719 --> 00:35:22,120 Speaker 2: I've finished seventy pages of book purposes. 707 00:35:22,920 --> 00:35:25,160 Speaker 3: Yeah, I'm page girl. 708 00:35:25,600 --> 00:35:29,440 Speaker 2: That's a book. Yes, I felt like it. Seventy pages, 709 00:35:29,520 --> 00:35:32,840 Speaker 2: nine or ten chapters of the book. The working title 710 00:35:32,880 --> 00:35:37,200 Speaker 2: is quite your way rich, so right on brand. I 711 00:35:37,280 --> 00:35:40,560 Speaker 2: love it, Yes, and it feels exactly like it just 712 00:35:40,600 --> 00:35:43,800 Speaker 2: feels like what it just it's so cohesive with everything 713 00:35:43,840 --> 00:35:45,760 Speaker 2: that I've been doing the past two years in my business, 714 00:35:45,800 --> 00:35:48,120 Speaker 2: and it just makes sense and I do feel like 715 00:35:48,120 --> 00:35:53,800 Speaker 2: it's evergreen. And yeah, and even though yes, the pandemic 716 00:35:53,880 --> 00:35:56,839 Speaker 2: and the great resignation happened, I believe this is going 717 00:35:56,880 --> 00:35:58,520 Speaker 2: to be the kind of career book that can just 718 00:35:58,520 --> 00:36:01,960 Speaker 2: be a staple for any in their lives. But so 719 00:36:02,160 --> 00:36:04,239 Speaker 2: what happens now this is like a very big but 720 00:36:04,320 --> 00:36:07,200 Speaker 2: early stage book. Proposal is done. Now, I shop it 721 00:36:07,280 --> 00:36:10,840 Speaker 2: to find an agent, and when I find an agent, 722 00:36:10,960 --> 00:36:13,319 Speaker 2: they will then take it and sell it to a publisher. 723 00:36:13,800 --> 00:36:16,880 Speaker 2: So with Thanksgiving coming up, the clock is ticking. I 724 00:36:16,920 --> 00:36:18,719 Speaker 2: really want to have an agent before the holiday. I 725 00:36:18,719 --> 00:36:20,959 Speaker 2: don't know if that's realistic or not. My proposal coach 726 00:36:21,880 --> 00:36:24,520 Speaker 2: should be pitching people this week, but I hope it 727 00:36:24,520 --> 00:36:27,719 Speaker 2: finds a home and I'll keep you first. As ever, 728 00:36:27,880 --> 00:36:29,360 Speaker 2: let me tell you something about Mandy. 729 00:36:29,800 --> 00:36:33,120 Speaker 3: Hey. If she's nothing, she's ready. I because of how 730 00:36:33,160 --> 00:36:36,680 Speaker 3: I am. I said, let me see if this domain 731 00:36:36,800 --> 00:36:38,520 Speaker 3: quit you very rich is available because I'm going to talk. 732 00:36:38,560 --> 00:36:40,400 Speaker 3: One of the first things go gathering. I talk it 733 00:36:40,440 --> 00:36:43,000 Speaker 3: to my phone, quit youayrich dot com and I said, 734 00:36:43,040 --> 00:36:44,600 Speaker 3: oh man, it's take it. And then I see a 735 00:36:44,640 --> 00:36:48,640 Speaker 3: picture of this beautiful woman with these girls popping. Her 736 00:36:48,719 --> 00:36:51,839 Speaker 3: name is Mandy Witch of Santos and I was like, girl, Mandy, 737 00:36:51,840 --> 00:36:54,640 Speaker 3: you're playing with y'all. She was like, I love that 738 00:36:54,800 --> 00:36:56,719 Speaker 3: you grabbed that domain. I was like, well, she's a 739 00:36:56,840 --> 00:37:00,279 Speaker 3: saidate that people know she got that domain asent now, 740 00:37:00,400 --> 00:37:04,040 Speaker 3: But honestly, I am so happy for you and proud 741 00:37:04,040 --> 00:37:06,520 Speaker 3: of you, and I just can't wait to, you know, 742 00:37:06,960 --> 00:37:09,800 Speaker 3: watch your journey. Just make sure as you're writing the 743 00:37:09,840 --> 00:37:12,920 Speaker 3: book to keep in mind to save some reserves, because 744 00:37:12,920 --> 00:37:15,000 Speaker 3: I'm everyone says this, but it doesn't feel like it 745 00:37:15,000 --> 00:37:18,200 Speaker 3: because writing the book part is so hard that that's 746 00:37:18,239 --> 00:37:19,480 Speaker 3: easy compared to the marketing. 747 00:37:20,200 --> 00:37:21,440 Speaker 2: I'm the marketing. 748 00:37:21,440 --> 00:37:23,600 Speaker 3: I don't know, worry about it. We got you, but 749 00:37:23,719 --> 00:37:26,640 Speaker 3: I know you got me. I will, yes, But I'm 750 00:37:26,640 --> 00:37:29,399 Speaker 3: just saying that, like the book, I mean, the book 751 00:37:29,400 --> 00:37:31,960 Speaker 3: part obviously is very intense, and it is, but yeah, 752 00:37:32,440 --> 00:37:35,440 Speaker 3: you know, the marketing part is just I mean, I've 753 00:37:35,480 --> 00:37:36,960 Speaker 3: learned so many things, you know, I'm like and even 754 00:37:37,000 --> 00:37:39,800 Speaker 3: now literally because I have so many friends writing books 755 00:37:39,880 --> 00:37:41,840 Speaker 3: now that I just I am actually working on like 756 00:37:42,640 --> 00:37:45,880 Speaker 3: more easy to digest a checklists that I told you 757 00:37:46,040 --> 00:37:47,680 Speaker 3: many that I'll give because I gave you, like my 758 00:37:47,800 --> 00:37:51,080 Speaker 3: full seven month deep dive, and I'm like most a 759 00:37:51,080 --> 00:37:54,440 Speaker 3: lot of my friends are like this too, much, Like 760 00:37:55,040 --> 00:37:57,040 Speaker 3: maybe I could just get like a basic checklist, like 761 00:37:57,360 --> 00:38:02,239 Speaker 3: get their domain. Here's when you should start asking for reviews. 762 00:38:02,480 --> 00:38:04,880 Speaker 3: Did you know that reviews with pictures on Amazon are 763 00:38:04,920 --> 00:38:07,320 Speaker 3: prioritize reviews without pictures make sure you ask for you 764 00:38:07,320 --> 00:38:08,840 Speaker 3: see what I mean, So I want to get like 765 00:38:08,880 --> 00:38:12,040 Speaker 3: a checklist, so it'll, you know, for people who are 766 00:38:12,040 --> 00:38:13,840 Speaker 3: going to do the deep guy with my seven month 767 00:38:14,239 --> 00:38:16,759 Speaker 3: like kind of like layout, but also for folks who 768 00:38:16,800 --> 00:38:18,880 Speaker 3: are like not necessarily going to do all that, but 769 00:38:18,920 --> 00:38:22,800 Speaker 3: these little nuanced things that make all the difference. But yeah, no, 770 00:38:22,960 --> 00:38:25,719 Speaker 3: I'm I'm so proud of you because I know how 771 00:38:25,760 --> 00:38:28,840 Speaker 3: hard that is. And the fact that it's seventy pages, 772 00:38:28,920 --> 00:38:31,120 Speaker 3: I mean, that's such a I'm glad you did that 773 00:38:31,440 --> 00:38:36,800 Speaker 3: because one, it'll allow a potential publisher to know exactly 774 00:38:36,880 --> 00:38:39,759 Speaker 3: what they're getting, you know, because I'm not gonna lie 775 00:38:39,760 --> 00:38:41,600 Speaker 3: I didn't want to do because I forgot how many 776 00:38:41,640 --> 00:38:44,959 Speaker 3: pages my it was around seventy something like that. Something 777 00:38:45,000 --> 00:38:45,480 Speaker 3: crazy too. 778 00:38:45,520 --> 00:38:47,520 Speaker 2: Between fifteen hundred is like standard. 779 00:38:47,560 --> 00:38:49,920 Speaker 3: I think, yes, but I want to do like a 780 00:38:50,000 --> 00:38:52,680 Speaker 3: ten page And my agent, Heather, was like, you can 781 00:38:52,719 --> 00:38:55,480 Speaker 3: do that. But the issue with that is then the 782 00:38:55,480 --> 00:38:57,360 Speaker 3: publisher has to kind of guess what your book is 783 00:38:57,400 --> 00:39:01,400 Speaker 3: going to be about. And she said, the longer not 784 00:39:01,440 --> 00:39:03,960 Speaker 3: necessarily the length, but more in depth it is that 785 00:39:04,000 --> 00:39:06,000 Speaker 3: means you've already done the work of really mapping out 786 00:39:06,000 --> 00:39:08,360 Speaker 3: what you want to write, and so that helped a 787 00:39:08,400 --> 00:39:10,160 Speaker 3: lot because I don't really care about what the publisher 788 00:39:10,239 --> 00:39:12,000 Speaker 3: was going to think. But for me, it allowed me 789 00:39:12,040 --> 00:39:14,480 Speaker 3: to say, Tiffany, I was so clear about this is 790 00:39:14,480 --> 00:39:17,439 Speaker 3: the book I'm writing. And when you know, I finally 791 00:39:17,520 --> 00:39:21,080 Speaker 3: chose my publisher and they chose me Penguin. Nobody was 792 00:39:21,120 --> 00:39:22,880 Speaker 3: guessing what's the book going to be about. We were 793 00:39:22,920 --> 00:39:25,400 Speaker 3: all on the same page because they they bought it 794 00:39:25,480 --> 00:39:29,800 Speaker 3: based upon the you know, the proposal. So it's exciting. 795 00:39:29,920 --> 00:39:31,480 Speaker 3: Oh look look at me. 796 00:39:32,120 --> 00:39:34,200 Speaker 2: It's a good test too, because if you weren't excited 797 00:39:34,239 --> 00:39:36,400 Speaker 2: to write, if you couldn't get the proposal out of 798 00:39:36,440 --> 00:39:38,560 Speaker 2: your body. And like, I'm not opposed to anyone having 799 00:39:38,600 --> 00:39:44,000 Speaker 2: a ghostwriter or a developmental proposal like co creator. I 800 00:39:44,000 --> 00:39:46,920 Speaker 2: think collaborations great. But if I'm like, I'm going to 801 00:39:46,960 --> 00:39:49,080 Speaker 2: be sitting with this book for months and years because 802 00:39:49,080 --> 00:39:52,320 Speaker 2: that's how long it takes, I need to really want 803 00:39:52,480 --> 00:39:55,040 Speaker 2: to say this stuff and to feel passionate about it. 804 00:39:55,080 --> 00:39:58,760 Speaker 2: And I did. I felt that way. It was. It was, yeah, 805 00:39:58,880 --> 00:40:00,319 Speaker 2: it was. I'm not going to say it wasn't hard, 806 00:40:00,360 --> 00:40:02,080 Speaker 2: because you know, you have to make that commitment and 807 00:40:02,120 --> 00:40:05,759 Speaker 2: lots of early mornings before Rio woke up. But it 808 00:40:05,840 --> 00:40:08,000 Speaker 2: was all worth it, and my proposal coach is really 809 00:40:08,000 --> 00:40:10,279 Speaker 2: optimistic that I'll be able to get a deal. The 810 00:40:10,280 --> 00:40:13,400 Speaker 2: first I got to get an Asian it didn't happening. 811 00:40:13,400 --> 00:40:16,040 Speaker 3: The book is happening. It is because it's one, it's 812 00:40:16,040 --> 00:40:19,120 Speaker 3: super timely to your point, but it's also evergreen, which 813 00:40:19,120 --> 00:40:21,120 Speaker 3: is really awesome. I want to see you on the cover, 814 00:40:21,239 --> 00:40:22,600 Speaker 3: just so you know. I want to girls. 815 00:40:22,440 --> 00:40:25,799 Speaker 2: Popping really, Yes, I do that far ahead. 816 00:40:25,960 --> 00:40:27,600 Speaker 3: Yes I know, but I'm like, no, we need to 817 00:40:27,600 --> 00:40:29,200 Speaker 3: get more brown girls on the cover. They need to 818 00:40:29,239 --> 00:40:34,920 Speaker 3: go oh okay. I like, no, I want to go 819 00:40:34,960 --> 00:40:38,920 Speaker 3: to that Bars and Noble section and be like, oh, brown, brown, brown. 820 00:40:40,280 --> 00:40:43,560 Speaker 2: That was amazing, But yeah, it would be amazing. I 821 00:40:43,640 --> 00:40:45,800 Speaker 2: just want and I feel like y'all are invested in 822 00:40:45,840 --> 00:40:48,160 Speaker 2: the journey. Obviously Tiff has been invested in the journey. 823 00:40:48,440 --> 00:40:50,560 Speaker 2: Just want to do everybody proud. And I want to 824 00:40:50,560 --> 00:40:53,080 Speaker 2: write a book that fucking changes lives and it makes 825 00:40:53,080 --> 00:40:55,319 Speaker 2: people feel more empowered the same way than I do 826 00:40:55,400 --> 00:40:57,600 Speaker 2: my you know, everything that I do in my business. 827 00:40:57,640 --> 00:41:01,399 Speaker 2: So it feels good. Y'all send me some good, some 828 00:41:01,440 --> 00:41:02,040 Speaker 2: good big. 829 00:41:02,680 --> 00:41:05,080 Speaker 3: Book Buyer give Manny some goods, but I want you 830 00:41:05,080 --> 00:41:06,640 Speaker 3: to hit him on Twitter. I know she's not a 831 00:41:06,680 --> 00:41:10,160 Speaker 3: Twitter as much, but all the ful instagram on Twitter, Instagram, 832 00:41:10,200 --> 00:41:13,120 Speaker 3: all right, hit her up and just like you know, 833 00:41:13,160 --> 00:41:15,440 Speaker 3: send her DM and just be like, girl, you got this. 834 00:41:15,560 --> 00:41:19,760 Speaker 3: I can't wait. Yeah, I'm just super happy honestly because 835 00:41:20,080 --> 00:41:22,439 Speaker 3: it is like for me, it wasn't so much Barnes 836 00:41:22,480 --> 00:41:23,680 Speaker 3: and Nobles, but I was like, if I could see 837 00:41:23,719 --> 00:41:25,200 Speaker 3: my book in Target, because I like, I go to 838 00:41:25,239 --> 00:41:27,279 Speaker 3: Target all the time, and I still have to hit 839 00:41:27,320 --> 00:41:29,839 Speaker 3: me when I see it at Target, I'm like, I'm 840 00:41:29,840 --> 00:41:31,880 Speaker 3: in the place where I spend all my money and 841 00:41:32,000 --> 00:41:33,000 Speaker 3: I have to tell you, you know. 842 00:41:33,000 --> 00:41:34,879 Speaker 2: Like I told you my proposal coach has your book 843 00:41:34,920 --> 00:41:37,000 Speaker 2: in her background. And then also when she was showing 844 00:41:37,000 --> 00:41:39,600 Speaker 2: me there's like different steps in the process, and when 845 00:41:39,600 --> 00:41:42,520 Speaker 2: I was designing my book proposal, there's always a comparison, 846 00:41:42,600 --> 00:41:46,319 Speaker 2: a comparison, a comparison like a competitor analysis where you 847 00:41:46,360 --> 00:41:49,520 Speaker 2: look at the top five books. And I think the 848 00:41:49,560 --> 00:41:52,720 Speaker 2: three samples she showed me, they were they were like similar, 849 00:41:52,680 --> 00:41:55,080 Speaker 2: they were there were financial books and Good with Money 850 00:41:55,160 --> 00:41:57,239 Speaker 2: was right there at the top, like this is the bar, 851 00:41:58,480 --> 00:42:02,160 Speaker 2: this is proof because it's proof that financial books by 852 00:42:02,160 --> 00:42:05,080 Speaker 2: women of color can do great, you know. So I 853 00:42:05,120 --> 00:42:07,239 Speaker 2: love seeing that. For sure, it wasn't on my list 854 00:42:07,239 --> 00:42:10,880 Speaker 2: because it ain't about money. But yeah, but it is 855 00:42:10,960 --> 00:42:12,799 Speaker 2: like it is the bar. Now you are at the bar. 856 00:42:13,280 --> 00:42:14,719 Speaker 2: Oh bitch, you're at the bar. 857 00:42:17,440 --> 00:42:20,040 Speaker 3: I was just listening to that girl I don't know 858 00:42:21,239 --> 00:42:23,600 Speaker 3: with plastic on couch. But I'm just so like, that's 859 00:42:23,640 --> 00:42:26,160 Speaker 3: I mean, I've always loved it, but just recently, I'm 860 00:42:26,200 --> 00:42:27,239 Speaker 3: just like I was. 861 00:42:28,239 --> 00:42:30,920 Speaker 2: Besides this season, That's why I don't know, what are 862 00:42:30,920 --> 00:42:33,360 Speaker 2: you trying to say, romantical? 863 00:42:36,400 --> 00:42:39,680 Speaker 3: Oh my gosh. But yeah, so it's just I'm just excited. 864 00:42:39,680 --> 00:42:42,360 Speaker 3: So it's like this new I just love what we 865 00:42:42,400 --> 00:42:46,200 Speaker 3: get to do, you know, that we get to do, like, 866 00:42:46,400 --> 00:42:48,680 Speaker 3: you know, pouring to the people that we care about, 867 00:42:48,760 --> 00:42:52,000 Speaker 3: our audience in so many different ways, you know, from 868 00:42:52,040 --> 00:42:55,919 Speaker 3: the podcast or individual businesses, the books. You know. It's 869 00:42:56,040 --> 00:42:59,520 Speaker 3: just I don't know that professionally it gets better than 870 00:42:59,520 --> 00:43:02,080 Speaker 3: this because everyone can't say that they can see the 871 00:43:02,080 --> 00:43:04,960 Speaker 3: direct correlation of what they do and the people that 872 00:43:04,960 --> 00:43:07,359 Speaker 3: they're serving, you know, and so we get to say 873 00:43:07,360 --> 00:43:09,920 Speaker 3: that that's this is why I became why I was 874 00:43:09,920 --> 00:43:12,680 Speaker 3: a school teacher because selfishly, I was like, I want 875 00:43:12,680 --> 00:43:15,480 Speaker 3: to see my work, you know, and I love the 876 00:43:15,480 --> 00:43:17,600 Speaker 3: fact that I'm like, oh my gosh, Rio can read 877 00:43:17,640 --> 00:43:21,120 Speaker 3: because I taught him, you know, and so like what 878 00:43:21,160 --> 00:43:23,479 Speaker 3: we do here, it's like, wow, look how many people 879 00:43:23,520 --> 00:43:26,200 Speaker 3: we get to help instantly, Like someone's going to listen 880 00:43:26,200 --> 00:43:29,000 Speaker 3: to this and be like because of you, guys, dot 881 00:43:29,040 --> 00:43:31,319 Speaker 3: dot dot dot dot, you know. So just you know, 882 00:43:31,560 --> 00:43:34,200 Speaker 3: I'm just proud of you, Mandy, because I know there 883 00:43:34,239 --> 00:43:36,360 Speaker 3: was a little touch and go in the beginning. You're like, 884 00:43:36,400 --> 00:43:38,759 Speaker 3: what now, look they're lost. 885 00:43:41,080 --> 00:43:44,000 Speaker 2: I know I'll never forget. I'll never forget that that 886 00:43:44,080 --> 00:43:46,319 Speaker 2: pivot for me and what happened and how you were 887 00:43:46,320 --> 00:43:50,040 Speaker 2: there to lift me back up. It'll it'll always be 888 00:43:50,120 --> 00:43:51,560 Speaker 2: one of the reasons I love you the most. 889 00:43:51,680 --> 00:43:54,839 Speaker 3: But oh insane, Mandy, same yeah, all right, we don't 890 00:43:54,880 --> 00:43:56,839 Speaker 3: let me just start crying anyway. 891 00:43:56,880 --> 00:43:58,640 Speaker 2: Wait, I was just about to say the podcast network, 892 00:43:58,680 --> 00:44:01,560 Speaker 2: y'all listen, Tiffany's not availed will March what was it? 893 00:44:01,600 --> 00:44:04,759 Speaker 3: March August? What am I gonna do? No, no, no, 894 00:44:04,800 --> 00:44:06,560 Speaker 3: We're gonna figure it out, like even by pre tape 895 00:44:06,560 --> 00:44:08,200 Speaker 3: some stuff. We gotta figure it out or even if 896 00:44:08,239 --> 00:44:10,440 Speaker 3: I say, because it's my first year doing it, like 897 00:44:10,680 --> 00:44:12,560 Speaker 3: I'll do two episodes, you know what I mean, I'm 898 00:44:12,560 --> 00:44:14,879 Speaker 3: gonna We're gonna figure it out. But I just said, 899 00:44:14,960 --> 00:44:17,440 Speaker 3: let me say it and then then adjust to it. 900 00:44:17,520 --> 00:44:17,680 Speaker 5: You know. 901 00:44:18,280 --> 00:44:20,239 Speaker 2: Oh yeah, we're very nimble. We got it. 902 00:44:20,880 --> 00:44:24,399 Speaker 3: So don't worry. If you're like I want more, there 903 00:44:24,480 --> 00:44:26,440 Speaker 3: is more. You already know. We Every Friday we have 904 00:44:26,520 --> 00:44:29,080 Speaker 3: the b a QA where if you have questions, we 905 00:44:29,160 --> 00:44:32,359 Speaker 3: have some answers, and so we'll see you on Friday. 906 00:44:33,120 --> 00:44:36,720 Speaker 2: B a q A Hey. 907 00:44:36,880 --> 00:44:40,080 Speaker 4: By y'all, Hey ba fam. We could not do this 908 00:44:40,160 --> 00:44:42,799 Speaker 4: show without your support or the support of our team 909 00:44:42,840 --> 00:44:46,160 Speaker 4: behind the scenes. The Brown Emission podcast is produced by 910 00:44:46,200 --> 00:44:50,400 Speaker 4: Cumulus Podcast Network. It's edited by the wonderful Emani Crosby 911 00:44:50,520 --> 00:44:54,000 Speaker 4: and produced by Tanya Bustos. Dennis Stimplinsky is our in 912 00:44:54,120 --> 00:44:58,000 Speaker 4: house techduru, and I am Bandy Woodrif Santos your co host, 913 00:44:58,080 --> 00:45:00,000 Speaker 4: and I will see y'all next week. 914 00:45:00,680 --> 00:45:00,719 Speaker 2: B