WEBVTT - Our Top Ten BA Moments of 2024 0:00:16.320 --> 0:00:21.400 Aba Fam, It's Mandy, and I didn't expect to be 0:00:21.440 --> 0:00:24.800 sitting here on Christmas Eve morning with my cup of 0:00:24.840 --> 0:00:29.680 coffee an eggnog non dairy eggnog latte, to be exact, 0:00:30.160 --> 0:00:34.680 because I deserve and recording. But you know what, you 0:00:34.720 --> 0:00:39.880 make plans and it makes the big guy up there laugh. Right, 0:00:40.040 --> 0:00:44.160 So here I am recording the intro to this week's episode, 0:00:44.920 --> 0:00:48.560 and honestly, and when I get down, I'm a little 0:00:48.600 --> 0:00:50.599 grumpy about having to work. But then when I sit 0:00:50.640 --> 0:00:53.199 down here and I remember who I'm talking to, my 0:00:53.320 --> 0:00:57.440 ba fam, I'm like, y'all really are like the cousins, 0:00:57.440 --> 0:00:59.320 the sisters that I feel like I should call in 0:00:59.360 --> 0:01:01.320 the morning, just like it my day started, you know, like, 0:01:01.880 --> 0:01:06.000 how you doing, Yeah, what you having for breakfast? Having 0:01:06.000 --> 0:01:07.600 a good day? What you got going on? I just 0:01:07.640 --> 0:01:10.720 want to check in. So now that I'm here, I'm 0:01:10.760 --> 0:01:13.200 just really grateful. And this is going to be a 0:01:13.200 --> 0:01:18.920 fun episode. Y'all know that Tiffany officially had her last 0:01:19.080 --> 0:01:23.920 show that aired last week, but the party, the going 0:01:23.959 --> 0:01:28.200 away party continues with the fourth and final installment of 0:01:28.240 --> 0:01:32.080 the series. Farewell to Tiffany, and this is a special 0:01:32.080 --> 0:01:34.720 one because for the first time. I don't think we've 0:01:34.760 --> 0:01:39.160 ever done this before, but we we. I took a 0:01:39.160 --> 0:01:42.080 look back at the top ten most listened to episodes 0:01:42.120 --> 0:01:45.800 for twenty twenty four, and I just thought, what better 0:01:45.880 --> 0:01:48.600 year to do this than when it's Tiffany's last year. 0:01:49.120 --> 0:01:52.000 And I think it's a great way to highlight just 0:01:52.920 --> 0:01:55.040 what I mean when I say she's really leaving a 0:01:55.120 --> 0:01:59.200 legacy and that she deserves this sendoff, and I'm going 0:01:59.280 --> 0:02:01.840 to get into the top. Also, it's kind of hilarious 0:02:01.880 --> 0:02:05.600 to see what you guys, what episodes y'all loved, because 0:02:05.600 --> 0:02:08.040 I started to build my own list of the top 0:02:08.080 --> 0:02:11.519 episodes and it was nothing like the ones that ended 0:02:11.600 --> 0:02:14.720 up being the top. But yeah, I'm gonna let be 0:02:14.840 --> 0:02:17.760 a fam take the lead here and share some of 0:02:17.800 --> 0:02:20.880 these highlights, and I hope that you enjoy it. It 0:02:20.960 --> 0:02:24.680 was really fun, I found myself. You know, I'm looking. 0:02:24.720 --> 0:02:27.440 I'm listening to like forty five minute episodes, ten of them, 0:02:27.800 --> 0:02:29.720 and I'm trying not to listen to all of them 0:02:29.760 --> 0:02:31.840 because I don't want to be working for ten hours straight, 0:02:32.560 --> 0:02:36.639 but they're just so damn fun. So what I'm really 0:02:36.720 --> 0:02:40.160 hoping is this gives y'all, you know, like a little 0:02:40.200 --> 0:02:44.919 reminder that there are past episodes that may still resonate 0:02:44.960 --> 0:02:48.160 for you today that you can go enjoy even as 0:02:48.200 --> 0:02:52.360 we step into a new season, a new chapter of 0:02:52.400 --> 0:02:58.080 the Brown Ambition Podcast. And I have never felt more loved, 0:02:58.320 --> 0:03:03.679 more held more support then I have been by u 0:03:03.760 --> 0:03:07.200 BA fan And I've been a tough cookie. I've been 0:03:08.320 --> 0:03:10.799 I've been. I think I'm really proud of the way 0:03:10.840 --> 0:03:14.280 this whole you know, series has gone down. I'm proud 0:03:14.360 --> 0:03:17.600 of me, I'm proud of Tiffany, and but I'm in 0:03:17.720 --> 0:03:20.160 my feelings. And maybe it's because it's Christmas Eve. Maybe 0:03:20.160 --> 0:03:24.720 it's because I was listening to all these episodes while 0:03:24.760 --> 0:03:28.040 I was picking clips over the last few days. But 0:03:28.400 --> 0:03:31.120 I'm I think I'm finally feeling the feelings. I think 0:03:31.120 --> 0:03:33.720 I'm finally ready to have a little cry about it 0:03:35.160 --> 0:03:39.120 and I might call Tiffany and, you know, just remind 0:03:39.120 --> 0:03:41.120 her that I love her and that it's going to 0:03:41.200 --> 0:03:45.520 be okay. And I'm gonna see you guys really soon though. 0:03:45.560 --> 0:03:48.000 We're going to be back the first week of January 0:03:48.040 --> 0:03:51.960 with a new episode, and you're gonna listen to the 0:03:52.000 --> 0:03:54.640 first ever be a round table. I'm going to have 0:03:54.760 --> 0:03:57.839 some incredible guests joined me at the round table. It's 0:03:57.880 --> 0:04:02.160 going to be fun, so please come show up, continue 0:04:02.160 --> 0:04:06.400 to support the show, leave us a review, Tag me 0:04:06.600 --> 0:04:10.040 in any social media post, tag at Brown Ambition Podcast. 0:04:10.600 --> 0:04:13.760 When you share episodes that resonate with you, and tell 0:04:13.840 --> 0:04:16.360 a friend at tell a friend always as you're homeless 0:04:16.360 --> 0:04:19.080 holiday season, make sure they know that you're loving Brown Ambition. 0:04:19.800 --> 0:04:22.160 So yeah, we can just continue to grow into this 0:04:22.240 --> 0:04:26.279 new season for us. All right, So, without further ado, 0:04:27.040 --> 0:04:30.279 here is or here is Here are the top ten 0:04:31.040 --> 0:04:36.600 episodes of twenty twenty four Brown Ambition Style. So let's 0:04:36.640 --> 0:04:39.080 start with number ten. Oh god, I feel like Carson 0:04:39.120 --> 0:04:42.200 Daly is TRL. Now TRL is not around anymore anyway. 0:04:42.839 --> 0:04:46.679 So number ten was an episode of the BAQA called 0:04:47.040 --> 0:04:51.080 Messy Money. All right. So in this clip, and this 0:04:51.200 --> 0:04:54.480 is one of those episodes where Tiffany gives the listener 0:04:54.640 --> 0:04:58.160 her own anonymous, like her own pseudonym when they don't. 0:04:58.160 --> 0:05:00.080 When y'all don't give us a pseudonym, we just get created. 0:05:00.920 --> 0:05:04.000 And Tiffany called this one messy Money. So in this clip, 0:05:04.480 --> 0:05:07.000 Tiffany is answering a question from a listener, and this 0:05:07.040 --> 0:05:10.359 is like Tiffany's top brilliance, like just her ability to 0:05:11.040 --> 0:05:14.640 first of all, make things hilarious, make them personal, make 0:05:14.720 --> 0:05:18.039 them emotional, but get back to hilarious, and you're going 0:05:18.120 --> 0:05:20.200 to learn something. So in this situation, we have a 0:05:20.240 --> 0:05:24.440 listener whose sister has stolen money from her, has hacked 0:05:24.440 --> 0:05:27.880 into her Instacart account, and has done all kinds of shenanigans. 0:05:28.480 --> 0:05:34.240 And in her best, truest brilliant light, Tiffany talks about 0:05:34.600 --> 0:05:38.960 really puts herself in a conversation with this big sister, 0:05:39.560 --> 0:05:42.559 and so from big sister to big sister, Tiffany takes 0:05:42.560 --> 0:05:46.800 this lady to school, y'all. And all I can say 0:05:46.839 --> 0:05:49.599 is I hope Messy Money played this episode for the 0:05:49.640 --> 0:05:54.799 sister that bamboozled her, because it is Wow Chef's Kiss. 0:05:54.839 --> 0:05:58.480 So here is number ten top episode of twenty twenty four, 0:05:58.839 --> 0:06:04.159 Messy Money. 0:06:01.960 --> 0:06:08.080 Sis, your little sister told me that you asked to 0:06:08.080 --> 0:06:11.680 borrow her Instagram account, her Instacart account, which I'm not 0:06:11.720 --> 0:06:14.480 sure why you would do that, Like, are you not 0:06:14.560 --> 0:06:15.920 allowed to make money on your own? 0:06:16.920 --> 0:06:17.440 Either way? 0:06:18.560 --> 0:06:22.440 That's where you first messed up because you should not 0:06:22.520 --> 0:06:26.400 have been using her Instacart account to do deliveries. 0:06:26.440 --> 0:06:28.120 So that's one. Okay. 0:06:28.240 --> 0:06:33.279 Two, she asked you to stop, sis, and obviously you 0:06:33.400 --> 0:06:40.719 continued almost doubling her income, and she was supposed to 0:06:40.760 --> 0:06:43.320 get three thousand dollars back. Not only is she not 0:06:43.360 --> 0:06:46.719 getting three thousand dollars, she also owes another three thousand, 0:06:46.760 --> 0:06:52.560 So that's six thousand dollars that baby Cis is in 0:06:52.640 --> 0:06:56.840 a deficit for because of the choice that you decided 0:06:57.880 --> 0:07:03.520 forty two to make. Now, mistakes happen. I know this, 0:07:04.320 --> 0:07:09.479 but now she's asking for it to be righted. And 0:07:09.520 --> 0:07:13.119 I know you love your baby Sis. You've only zeld 0:07:13.160 --> 0:07:16.400 her two hundred and fifty dollars. What is going on? 0:07:17.760 --> 0:07:21.120 And now baby sister is feeling taken advantage of it because, 0:07:21.160 --> 0:07:24.240 quite honestly, as the big sis, who is nearly twice 0:07:24.600 --> 0:07:27.600 her age and I'm not an age's becausist. I'm forty two, 0:07:27.720 --> 0:07:30.360 I'm forty forty four, I mean forty five two, I'm 0:07:30.360 --> 0:07:30.840 big sis. 0:07:30.840 --> 0:07:35.400 To Yeah, why go ahead. 0:07:35.120 --> 0:07:36.840 And run this girl back up? Dag all money? 0:07:37.360 --> 0:07:38.240 What is going on? 0:07:38.960 --> 0:07:41.320 Here's the thing. You shouldn't have used an instacart, but 0:07:41.360 --> 0:07:42.840 you already did that. Okay, we're here now. 0:07:43.360 --> 0:07:49.239 Two, Like, I don't know if you understand. See. 0:07:49.320 --> 0:07:50.880 The thing is, I find it hard to believe that 0:07:50.920 --> 0:07:52.600 you didn't understand how ten ninety nine work. 0:07:52.680 --> 0:07:53.440 Not at forty two. 0:07:54.520 --> 0:07:56.080 You don't like I could see if you was twenty 0:07:56.080 --> 0:07:57.360 six like your little sis, because I get it, she 0:07:57.400 --> 0:07:59.520 probably didn't understand. Her boyfriend put her up on game 0:07:59.520 --> 0:08:01.600 about ten and I, girl, you knew that at ten 0:08:01.680 --> 0:08:02.200 ninety nine was. 0:08:02.200 --> 0:08:03.960 Gonna get issued. Why would you do that? 0:08:05.000 --> 0:08:11.040 Honestly? You I have three younger sisters. You know that 0:08:11.080 --> 0:08:14.320 one of the roles as an older sister is to educate, 0:08:14.960 --> 0:08:20.200 to protect, and honestly sometimes even provide for our little sisters. 0:08:20.440 --> 0:08:22.000 We're not here to take advantage of them. 0:08:22.520 --> 0:08:23.840 But now we're here. 0:08:24.560 --> 0:08:26.520 Girl, not only do you owe her that three thousand, 0:08:26.640 --> 0:08:29.480 you owe her another three on top of that. You 0:08:29.560 --> 0:08:32.600 do because she was gonna get back three thousand dollars. 0:08:32.679 --> 0:08:34.680 So now that we know all that is true, we 0:08:34.800 --> 0:08:38.160 know this is true. Now it's time for solutions. I 0:08:38.240 --> 0:08:40.080 like to be a paper towel person. When I was 0:08:40.080 --> 0:08:42.000 a kid, I used to spill something. If it was 0:08:42.040 --> 0:08:44.920 my dad, he would get mad and be fuss and 0:08:44.920 --> 0:08:46.839 fuss and fuss and fuss and fussing, and then finally 0:08:46.880 --> 0:08:49.080 hand you a paper towel, which I just did with 0:08:49.120 --> 0:08:52.120 you because I'm still my daddy's daughter and my mother 0:08:52.160 --> 0:08:54.480 would just say just go ahead and get a paper towel. Well, 0:08:54.520 --> 0:08:57.000 you need a little fussing first, So now let's go 0:08:57.040 --> 0:08:57.679 to paper towel. 0:08:57.679 --> 0:08:58.160 The solution. 0:08:58.520 --> 0:09:01.920 We're gonna clean this up. So you've only zeld her 0:09:02.080 --> 0:09:04.480 two hundred and fifty dollars, maybe more by now, because 0:09:04.480 --> 0:09:09.440 you wrote this a little while ago. Okay, now, what 0:09:09.600 --> 0:09:12.600 is the payment plan to give this girl her six 0:09:12.679 --> 0:09:16.120 thousand dollars? Let's map that out. What does that look like? 0:09:16.400 --> 0:09:20.120 Because it's not a matter of like you're going to, 0:09:21.000 --> 0:09:25.040 you know, like cuz one twenty six, little sis, here's 0:09:25.080 --> 0:09:27.520 the thing that like, you are not going to pretend 0:09:27.520 --> 0:09:30.120 that it didn't happen, because even if you pretended it did, 0:09:30.800 --> 0:09:32.640 and you're going to feel some kind of way because 0:09:32.679 --> 0:09:34.760 you're supposed to feel some kind of way because your 0:09:34.800 --> 0:09:38.360 sister made a mistake. But sisters make mistakes. I've got 0:09:38.360 --> 0:09:40.680 four sisters. Lord knows that we've been up down, side 0:09:40.720 --> 0:09:43.480 to side. We've made mistakes. But it is her job 0:09:43.559 --> 0:09:46.800 to remedy that mistake. It is her job to remedy 0:09:46.840 --> 0:09:49.520 that mistake, and so now we're gonna map that a 0:09:49.520 --> 0:09:51.680 payment plan of what it looks like to pay her 0:09:51.760 --> 0:09:52.560 the six thousand. 0:09:54.400 --> 0:09:57.439 All right. Now, coming in at number nine is a 0:09:57.520 --> 0:10:03.480 classic because every time Tiffany's shares this credit score credit 0:10:03.520 --> 0:10:06.800 score method that she has, y'all probably know what it is. 0:10:06.840 --> 0:10:10.040 You probably heard it. I still get sat and I 0:10:10.080 --> 0:10:12.120 still listen because I just don't think she can tell 0:10:12.160 --> 0:10:15.439 this enough times. It's still so useful. So number nine 0:10:15.960 --> 0:10:19.400 is an episode called your Credit Score Will Jump Like Jordan. 0:10:19.960 --> 0:10:22.559 All right, So in this episode, we're answering a listener's 0:10:22.640 --> 0:10:25.559 question about how they can improve their credit score in Tiffany. 0:10:25.640 --> 0:10:28.120 I'm just going to share it, y'all. This is Tiffany's 0:10:28.280 --> 0:10:31.439 exquisite credit score improvement method. It's called the Jump like 0:10:31.520 --> 0:10:33.439 Jordan method. So I'm just gonna get out of the 0:10:33.440 --> 0:10:36.360 way and let y'all listen to it. Enjoy this clip, 0:10:36.600 --> 0:10:38.240 take notes, Enjoy. 0:10:39.600 --> 0:10:41.480 You're gonna do what I call my jump like a 0:10:41.600 --> 0:10:45.200 Jordan and method. So that is when you said you 0:10:45.240 --> 0:10:49.120 have some subscriptions, spread those subscriptions over the three cards. 0:10:49.200 --> 0:10:53.520 So let's just say Netflix, Spotify, Gym membership. Each one 0:10:53.559 --> 0:10:56.959 of those cards will get one subscription and then you're 0:10:56.960 --> 0:10:58.600 going to pay it off every month in full. 0:10:59.000 --> 0:10:59.640 So you're going to. 0:10:59.679 --> 0:11:02.760 Have the subscription charge the card and then you're going 0:11:02.800 --> 0:11:07.960 to find out your oh is it called closing date? Yeah, 0:11:08.040 --> 0:11:12.160 reporting date, closing dates sto. No state be a statement date, right, 0:11:12.320 --> 0:11:14.040 So that is the day that basically they tell the 0:11:14.120 --> 0:11:17.679 credit buros, hey, Nikkia use her card. Because you want 0:11:17.679 --> 0:11:20.040 them to acknowledge you use the card and acknowledge you 0:11:20.040 --> 0:11:20.560 paid it off. 0:11:20.760 --> 0:11:23.439 So whatever. Let's just say the due date. 0:11:23.360 --> 0:11:26.920 Is the thirtieth, but the statement date is the twenty fourth, 0:11:27.080 --> 0:11:28.880 so you want to find out whatever the statement date 0:11:29.000 --> 0:11:31.679 is the date that they report card usage, and you 0:11:31.679 --> 0:11:33.440 want to pay it off after that because you want 0:11:33.480 --> 0:11:35.800 it to be reported. This part people get confused with 0:11:35.840 --> 0:11:39.360 all the time. So it's like, don't be late, so 0:11:39.440 --> 0:11:41.680 pay it off by the due date, but paid off 0:11:41.720 --> 0:11:44.520 after the statement date when they've already told you used 0:11:44.520 --> 0:11:46.480 the card, because you want a record of your usage. 0:11:46.600 --> 0:11:49.640 And if you do that automatically, it just looks like 0:11:50.000 --> 0:11:52.360 your card getting charged, your guard getting paid off from 0:11:52.400 --> 0:11:55.280 whatever checking account. You can have it automatically paid off 0:11:55.280 --> 0:11:57.760 every single month, and this will allow your credit score 0:11:57.960 --> 0:11:59.239 to jump like Jordan. 0:11:59.040 --> 0:11:59.839 Remember back in the day. 0:12:00.000 --> 0:12:01.400 Well, you can even see it on his sneakers, the 0:12:01.480 --> 0:12:04.160 jump Man where he's literally jumping like Jordan used to get. 0:12:04.160 --> 0:12:05.920 That's what they call him the Air Jordan because he 0:12:06.040 --> 0:12:07.679 used to get so much tight. And you gotta see 0:12:07.720 --> 0:12:08.920 your card score. 0:12:08.760 --> 0:12:13.040 Jump jump black Jordan. Ah, every time I missed him, 0:12:13.040 --> 0:12:14.840 I'm just gonna listen to that clip. It's like jump 0:12:14.920 --> 0:12:18.520 like Jordan, noodle budget, her little catchphrases. Okay, So coming 0:12:18.559 --> 0:12:22.440 in at number eight is a really fun interview that 0:12:22.520 --> 0:12:27.160 we did with our rich bff, Vivian two. So, Vivian 0:12:27.400 --> 0:12:31.000 has had individually met Tiffany and I over the last 0:12:31.000 --> 0:12:34.120 couple of years. I think she and I, Oh yeah, 0:12:34.120 --> 0:12:36.640 she and I shared a partner in Marshalls, and Tiffany 0:12:36.679 --> 0:12:40.560 and her, I think had swapped notes about having New 0:12:40.640 --> 0:12:44.559 York Times bestsellers while Vivian was working on her book, 0:12:44.720 --> 0:12:47.880 which she was on the show to promote. And her 0:12:47.960 --> 0:12:51.640 book is called rich af and if you haven't checked 0:12:51.679 --> 0:12:54.480 it out, please do. I was just at Barnes and 0:12:54.480 --> 0:12:57.800 Noble cutting up a couple of days ago, rearranging the 0:12:57.840 --> 0:13:02.280 display shelves to make sure that the you know, the Melanated, 0:13:02.800 --> 0:13:07.240 the sazond of Us were first and foremost, like at 0:13:07.240 --> 0:13:10.320 the front of that business section, And it was almost 0:13:10.320 --> 0:13:14.000 a joke how every single featured book on the shelf 0:13:14.080 --> 0:13:15.680 was a white dude. And y'all know the three or 0:13:15.679 --> 0:13:19.199 four white dudes I'm talking about. Okay, So I popped out. 0:13:19.200 --> 0:13:21.679 I pulled out Vivian's book, rich A Up, I pulled 0:13:21.679 --> 0:13:25.679 out Clever Girl Finance. I pulled out Tiffany's book and 0:13:25.760 --> 0:13:28.800 made sure they were right there in front for everyone 0:13:28.840 --> 0:13:30.920 to see. So go check out her book. But this 0:13:31.240 --> 0:13:35.480 this interview, y'all. You know, there's some influencers that are 0:13:35.480 --> 0:13:37.600 there for like a flash in the pan moment. But 0:13:37.800 --> 0:13:40.559 I think Vivian I just really enjoy her point of view. 0:13:40.600 --> 0:13:42.400 I enjoy the way that she teaches. I think that 0:13:42.440 --> 0:13:46.120 she's super engaging, and obviously she's The millions of followers 0:13:46.160 --> 0:13:49.839 she have she has acquired over the last couple of 0:13:49.960 --> 0:13:53.719 years is evidence that she's doing something right. And this 0:13:53.760 --> 0:13:57.480 episode was just so fun that I actually chose two 0:13:57.520 --> 0:14:00.200 excerpts from it to enjoy. So there's a clip where 0:14:00.240 --> 0:14:02.600 we are just intered, and first of all, it's like 0:14:02.720 --> 0:14:05.959 classic Tiffany whenever we have a guest, I mean, usually 0:14:06.000 --> 0:14:07.920 it's a woman of color. You know, I don't think 0:14:07.920 --> 0:14:10.880 we've ever had a white woman, have we? 0:14:10.960 --> 0:14:11.120 Oh? 0:14:11.160 --> 0:14:13.319 Yeah, no. Stacy Abrams, co author, she came on the 0:14:13.320 --> 0:14:15.280 show that one time. But honestly, y'all know, I just did. 0:14:15.360 --> 0:14:19.240 That's why I get Stacey on the show. I was like, 0:14:19.320 --> 0:14:24.240 m M, I'm interviewing Stacy Abrams and other lady. But anyway, 0:14:24.320 --> 0:14:26.240 so when we have a guest in the studio, Tiffany 0:14:26.280 --> 0:14:28.760 will always say, we back in blacker than ever. We 0:14:28.840 --> 0:14:33.280 got extra brown in the stew today. But Vivian, anyway, 0:14:33.320 --> 0:14:35.920 I'll let you guys listen for yourself. It's just really funny. 0:14:35.960 --> 0:14:38.680 So in this episode, Vivian tells, for the first time 0:14:38.720 --> 0:14:42.920 ever a story about how she nearly quit her job 0:14:43.400 --> 0:14:46.760 at an investment bank and how a mentor of her 0:14:46.880 --> 0:14:50.200 helped her navigate the situation. So basically, she was dealing 0:14:50.200 --> 0:14:52.360 with the boss who was like saying super racist things. 0:14:52.440 --> 0:14:56.680 Vivina is of Asian heritage, so yeah, like making really 0:14:56.720 --> 0:15:02.520 inappropriate and racist remarks about Vivian and her ethnicity and 0:15:02.560 --> 0:15:04.480 her clothing and just all this kind of stuff. So 0:15:05.000 --> 0:15:07.040 this is one of the key moments of the episode. 0:15:07.080 --> 0:15:09.400 I hope you guys enjoy it. So here is a 0:15:09.440 --> 0:15:13.040 little clip from number eight, our rich BFF with Vivian Too. 0:15:14.000 --> 0:15:18.720 Hey, Hey, hey, we're back. 0:15:19.120 --> 0:15:20.120 We're black. 0:15:24.400 --> 0:15:26.640 By by By Brown. 0:15:27.960 --> 0:15:33.360 Ambition and ambition and ambition, ambition, and we got a. 0:15:33.400 --> 0:15:39.080 Little some vanilla bean brown in the studio today. I 0:15:39.360 --> 0:15:42.600 was looking, you know, we think you know, Mandy. We 0:15:42.640 --> 0:15:44.200 think Wait a minute, I won't give you like a 0:15:44.520 --> 0:15:45.120 like a latte. 0:15:45.600 --> 0:15:49.520 Let's not start the cast system again. Okay, to finact, 0:15:51.200 --> 0:15:53.160 I want to know because I do follow you on 0:15:53.240 --> 0:15:55.480 IG I know you're you're engaged. R Are you planning 0:15:55.520 --> 0:16:01.880 a wedding? Is it an extremely bougie international Italian wedding? Mandy? 0:16:02.480 --> 0:16:06.040 I've been called up twice now on this podcast. I 0:16:06.160 --> 0:16:08.520 came here for a good time, not to be victimized 0:16:09.000 --> 0:16:12.880 asking for facts. Are you planning a wedding? 0:16:13.000 --> 0:16:15.880 Fact? Tell me about I want to hear about your 0:16:15.920 --> 0:16:18.960 partner though, and you've been together a long time. Yeah, 0:16:19.240 --> 0:16:23.600 what has y'all's relation, How has your relationship changed, improved whatever, 0:16:23.840 --> 0:16:25.600 over the course of you building this business. I don't 0:16:25.600 --> 0:16:26.800 know what he does. What's he do? Is he on 0:16:26.880 --> 0:16:27.320 Wall Street? 0:16:27.400 --> 0:16:30.400 Is he yes, So okay, I'll give you the TLDR 0:16:30.520 --> 0:16:34.280 of my sweet sweet man. We'll have been together for 0:16:34.720 --> 0:16:38.720 seven years in April, so quite some time when we 0:16:38.880 --> 0:16:41.240 first met. We met because we were both working on 0:16:41.360 --> 0:16:43.760 Wall Street and he worked on the same team as 0:16:43.840 --> 0:16:47.280 my girl roommate at the time, and they sat like 0:16:47.640 --> 0:16:51.640 caddy corner to each other on the at the office, 0:16:52.240 --> 0:16:55.560 and so I ended up meeting him one random night 0:16:55.600 --> 0:16:57.720 when I went out with her. We were running around 0:16:57.720 --> 0:17:00.280 the bars in downtown New York City as a young 0:17:00.320 --> 0:17:04.639 twenty something does, and we hit it off like he 0:17:04.840 --> 0:17:09.760 was just like the coolest, nicest guy. And when people 0:17:09.840 --> 0:17:13.160 ask us about our financial situation quite a bit when 0:17:13.240 --> 0:17:16.760 we first started dating, he made much more money than 0:17:16.760 --> 0:17:23.480 I did, like two times, and he was always so 0:17:24.200 --> 0:17:27.720 generous and never made me feel any type of way 0:17:27.760 --> 0:17:30.960 about it, Like he paid for all of our dinners 0:17:31.040 --> 0:17:33.640 out when we would go on vacation, he would pay 0:17:33.720 --> 0:17:37.600 for more. Ultimately, when we ended up moving in together, 0:17:37.720 --> 0:17:41.480 he paid a bigger percentage of rent. He never made 0:17:41.520 --> 0:17:43.960 me feel like my job was less important, or that 0:17:44.119 --> 0:17:47.280 I was less important, or that my career aspirations were 0:17:47.359 --> 0:17:49.760 not as big as his or important because he made 0:17:49.800 --> 0:17:54.520 more money, and for the first like five years of 0:17:54.560 --> 0:17:58.199 our relationship, he was the breadwinner and he almost at 0:17:58.200 --> 0:17:59.919 all times made twice as much money as I did. 0:18:03.800 --> 0:18:07.720 In my last year at BuzzFeed, I had a blowout year, 0:18:07.960 --> 0:18:10.040 and I've publicly shared this. I made over six hundred 0:18:10.040 --> 0:18:11.640 thousand dollars in a W two job. 0:18:11.960 --> 0:18:12.600 It's amazing. 0:18:12.960 --> 0:18:16.360 And that was the first year we made roughly the same. 0:18:16.400 --> 0:18:18.280 I made a little bit more. I eked him out by, 0:18:18.560 --> 0:18:23.600 you know, twenty five grands, and he was really proud 0:18:23.640 --> 0:18:27.600 of me. And I asked him really candidly at that time. 0:18:27.680 --> 0:18:31.080 I was like, do you think anything's going to change 0:18:31.160 --> 0:18:33.680 or would you feel weird if I, like made more 0:18:33.720 --> 0:18:36.440 money than you. He goes, why would I feel weird 0:18:36.680 --> 0:18:39.359 about you making more money? I will then have more money? 0:18:39.720 --> 0:18:41.080 Just like, what do you mean? 0:18:42.480 --> 0:18:47.359 And so he's always had this very very just amazingly 0:18:47.400 --> 0:18:50.040 supportive attitude about what I do and what I want 0:18:50.080 --> 0:18:53.480 to do. And when I finally decided to quit my job, 0:18:53.680 --> 0:18:56.280 it was in part because I had a golden parachute 0:18:56.520 --> 0:18:59.760 to rely on him. And he said, he's like Vivian, 0:18:59.800 --> 0:19:02.440 no one has ever starved on a Wall Street salary. 0:19:02.600 --> 0:19:05.440 For two people, So like, go chase your dreams. Like 0:19:05.800 --> 0:19:08.160 maybe we won't be able to end up buying a home, 0:19:08.240 --> 0:19:09.760 or maybe we won't be able to go on as 0:19:09.840 --> 0:19:12.119 many vacations or take as many ubers, will have to 0:19:12.160 --> 0:19:14.440 take the subway, whatever, but like we will still be 0:19:14.480 --> 0:19:16.840 able to live our life, like, go chase that dream. 0:19:18.000 --> 0:19:21.240 And because of that, I was able to and I 0:19:21.359 --> 0:19:24.959 make quite a bit more now than he does, by 0:19:25.040 --> 0:19:27.680 like a factor of like four or five times, and 0:19:29.440 --> 0:19:33.879 he again, the attitude is never changed. I feel so 0:19:34.080 --> 0:19:36.080 grateful for that, because my mom even told me that 0:19:36.119 --> 0:19:37.720 I should start lying to him about how much I 0:19:37.840 --> 0:19:38.480 was making. 0:19:41.840 --> 0:19:42.960 Love you, Vivian. 0:19:43.320 --> 0:19:47.560 All right, So number seven, we have a classic episode 0:19:47.560 --> 0:19:49.800 from last year. I actually wasn't here for this interview, 0:19:49.800 --> 0:19:52.840 which is sad, but that would happen sometimes. This is 0:19:52.880 --> 0:19:55.840 one of those interviews where I'm like, wait, a human person. 0:19:56.160 --> 0:19:58.200 Of course they create credit cards like human it will 0:19:58.280 --> 0:20:00.760 just like come out of nowhere. But but to actually 0:20:01.200 --> 0:20:03.760 talk to the woman who created our favorite credit card 0:20:03.800 --> 0:20:06.360 of all time, the Chase Reserve Card aka the Chase 0:20:06.440 --> 0:20:08.520 Good Time Card if you're Tiffany and never remembers what 0:20:08.600 --> 0:20:12.439 the card is called. But Tiffany had on Vernda Gupta 0:20:12.800 --> 0:20:15.200 and this episode is called I Built Your Credit Card 0:20:15.359 --> 0:20:19.280 featuring Vernda Gupta, and this is the woman who was 0:20:19.520 --> 0:20:23.159 at Chase and developed or was a key architect of 0:20:23.440 --> 0:20:26.720 that credit card and all of the benefits. And since 0:20:27.160 --> 0:20:30.960 she launched that credit card, Verinda has now left the 0:20:31.200 --> 0:20:34.480 credit card business to launch her Sequin Rewards via a 0:20:34.520 --> 0:20:37.119 debit card, which is the first debit card that's actually 0:20:37.200 --> 0:20:40.640 made to reward women spending habits, so you can get 0:20:40.680 --> 0:20:42.960 up to six percent cash back on self care and 0:20:43.040 --> 0:20:46.680 some donations. And she talks about how the card was 0:20:46.760 --> 0:20:49.800 developed really to like take you know, take advantage of 0:20:49.920 --> 0:20:51.720 the pink tax for once. You know, the pink tax 0:20:51.880 --> 0:20:54.680 is how things that are branded for women typically cost 0:20:54.800 --> 0:20:57.760 more and more expensive. And she's like, well, f that 0:20:57.880 --> 0:20:59.800 we're going to get rewarded for spending things on that, 0:21:00.440 --> 0:21:03.800 spending things on objects for us, products for us. So 0:21:04.400 --> 0:21:07.440 love this interview, you guys, Enjoy it, and then thank 0:21:07.520 --> 0:21:09.840 you again to Vernda Gupta for joining us on BA. 0:21:10.840 --> 0:21:13.520 So let's talk about Sequin one. How did you come 0:21:13.600 --> 0:21:16.000 up with the name and what exactly is Sequin? 0:21:16.680 --> 0:21:18.919 Yes, I actually love this question. 0:21:20.240 --> 0:21:20.800 With the name. 0:21:21.200 --> 0:21:24.480 So it's actually an interesting kind of fun fact. So 0:21:25.119 --> 0:21:29.280 sequence or sica is the Arabic term for a coin, 0:21:29.800 --> 0:21:35.400 and around the Roman Empire timing, there were these Venetian 0:21:35.480 --> 0:21:39.680 gold currencies as well, called sequence or sica, and as 0:21:39.840 --> 0:21:42.280 you know, the fall of the Roman Empire, the coins 0:21:42.359 --> 0:21:45.520 started losing value and so people would wear them as 0:21:45.600 --> 0:21:49.320 talismans and you know, decor, and over time it became 0:21:49.400 --> 0:21:52.200 this kind of shiny not what we know a sequence 0:21:52.359 --> 0:21:55.440 k and I really loved that mix of you know, 0:21:55.760 --> 0:21:59.200 rooted and deep currency and gold coins, but also something 0:21:59.280 --> 0:22:02.800 that represents femininity and something that feels very kind of 0:22:03.320 --> 0:22:06.200