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Speaker 1: Hey, hey, Hey, I'm back and I'm black.

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Speaker 2: Do you know what I I listened to this podcast.

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Speaker 2: Hi guys, it's Mandy around Ambition. I was listening to

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Speaker 2: this because I I decided that it's been you know,

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Speaker 2: I'm such a Broadway nerd, and I don't listen to

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Speaker 2: any Broadway podcast and I've been meaning to sign up

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Speaker 2: for some and I found I follow Broadway Black dot Com,

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Speaker 2: which is which is basically a blog that was started

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Speaker 2: to highlight you know, all twelve women people of color

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Speaker 2: in Broadway.

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Speaker 1: Which is highlights still Cynthia Erbia.

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Speaker 2: Oh yeah, yeah, I mean this was started. Broadway Black

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Speaker 2: dot Com was started years like a few years ago.

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Speaker 2: I want to say, at least I started following it

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Speaker 2: a couple of years ago. The whole but the beauty

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Speaker 2: of it is that Broadway has changed so much, like

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Speaker 2: it is so much more diverse now. There's not just

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Speaker 2: twelve people anymore. There's like entire shows. I saw a

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Speaker 2: play last week with a black Joan of Arc. Hm

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Speaker 2: Condola Rashad, Felicia Rashad's daughter played Joan of Arc and

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Speaker 2: it was it was amazing and it wasn't like the

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Speaker 2: hip hop version of Joan of Arc you know what

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Speaker 2: I mean, it was like it was just a black story. Yeah,

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Speaker 2: she just happened to be blackmcials.

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Speaker 1: Where they're like.

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Speaker 3: By Ford, You're like, you know, you could just say,

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Speaker 3: you know, this is a great car. You don't you

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Speaker 3: don't have to hip hip hop size it for black folks.

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Speaker 1: We likely all other types of music, all of it.

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Speaker 2: She was phenomenal. So Broadway is just becoming. So it's

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Speaker 2: just such a you know, there's the same theater that

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Speaker 2: premiered this Joan of Arc or it's called Saint Joan

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Speaker 2: starring Condola Rashad. The same theater is doing a play

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Speaker 2: this summer which I couldn't even get tickets to because

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Speaker 2: it's already sold out called Oh Crap, Oh Sugar in

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Speaker 2: My Wounds that takes place in the age of slavery

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Speaker 2: between slaves who are gay. So an actual like, can

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Speaker 2: you imagine this play getting made like five years ago.

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Speaker 2: It's it's amazing. So theater is just like it's so

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Speaker 2: I mean after not just I don't want to just

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Speaker 2: credit Hamilton for it, but it just feels like in

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Speaker 2: the years that I've lived here, in the past eight

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Speaker 2: or nine years, going to see Broadway shows. Something has

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Speaker 2: changed the past two years. Like I've never had so

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Speaker 2: many options for to go see shows that are written

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Speaker 2: by performed by people of color. And it is freaking fantastic.

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Speaker 1: So happy.

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Speaker 3: So I did something today. It was not cheap, but

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Speaker 3: it was my first time doing it, and said, let

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Speaker 3: me try I got let me know.

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Speaker 1: I don't, well, Mandy, you have long lashes.

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Speaker 3: I feel like I've got semi permanent lashes for the

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Speaker 3: first time.

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Speaker 1: And it was expensive, but I wanted to try it.

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Speaker 3: And because the girl who does my makeup for events

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Speaker 3: that if you have three or more events in a row,

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Speaker 3: you should just do it because in the long run,

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Speaker 3: it's it's less money.

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Speaker 1: So not something I would you like to keep up with.

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Speaker 3: But I have like four events in the next like

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Speaker 3: week and a half, and so I said, let me

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Speaker 3: try it.

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Speaker 2: And I was like slash, like a lash extension, yeah,

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Speaker 2: with they saw weave for your eyelashes.

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Speaker 3: Yeah, they well, you know how like you you've seen

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Speaker 3: like that, you know, like there's actually like lashes that

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Speaker 3: you could put on for the day. No, but they

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Speaker 3: actually have one that they attached to your eyelash and

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Speaker 3: they last for about two weeks or so like, so no,

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Speaker 3: it's literally it's time consuming. Actually, I was like, wow,

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Speaker 3: women are dedicated. It's like what literally one hair attached

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Speaker 3: to one of your lashes and another hair attached to another.

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Speaker 1: It actually looks so natural that.

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Speaker 3: Like I came home and I said, hey, Subpan, like,

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Speaker 3: you know, blinking profusely, see anything different, see anything different?

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Speaker 3: And he's like, uh, literally, look at me from toad

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Speaker 3: toad to head. Your eyebrows are dead. I'm like, sir, no,

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Speaker 3: I was like, my lashes he looked. He was like, oh, yeah,

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Speaker 3: I don't know if that's a good or bed thing.

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Speaker 3: Because I told her I didn't want them to look

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Speaker 3: I wanted them to look naturally. You know, men never

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Speaker 3: noticed anything, but he would know if they looked crazy.

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Speaker 3: So I didn't want them to look crazy, but I

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Speaker 3: at least wanted them to look like I had lashes,

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Speaker 3: because I have none.

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Speaker 1: But it was so expensive, Mandy. There were ninety dollars.

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Speaker 1: Ninety nine dollars.

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Speaker 3: Someone told me that that's actually not that expensive for

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Speaker 3: a full set, but whatever, I'm yes, and.

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Speaker 1: Then to fill them in. So let's you say.

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Speaker 3: I wanted to keep them, like, you know, keep it

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Speaker 3: going to fill them in every two or three weeks.

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Speaker 1: It's like forty bucks. I'm like, I'm not that committed.

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Speaker 3: But if anybody familiar with Lamb Chops play along? Are

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Speaker 3: you familiar with Mandy? I?

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Speaker 2: Yeah, I can't start it because it'll never end exactly.

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Speaker 1: So that little puppet had like this super First of.

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Speaker 2: All, why would you say you got something natural? And

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Speaker 2: then you're like, you know, lamb Chop the puppet because

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Speaker 2: instantly what I see is she had like four thick

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Speaker 2: dark eyelashes on her.

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Speaker 3: I'm like, I didn't get those, but it took. What

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Speaker 3: she did tell me, which I knew, is that my lashes.

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Speaker 2: Are hold on.

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Speaker 1: No.

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Speaker 2: Sorry, that's your example of like over to an eyelashes. Yeah,

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Speaker 2: lamp shop, not real Paul, not Wendy Williams, lamp stops.

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Speaker 2: All right, I'm with you.

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Speaker 1: I'm on the journey, no way.

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Speaker 3: So I was like really afraid that it was gonna

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Speaker 3: look because everybody knows me. Then they're like, I'm you know,

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Speaker 3: I'm slightly like a tomboy, so you know, off off

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Speaker 3: stage or whatever, or I'm not.

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Speaker 1: I don't typically wear makeup.

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Speaker 3: I usually like a lip gloss and mascara is more

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Speaker 3: than enough, and so I was like, I don't want

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Speaker 3: to look like, you know, basically a.

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Speaker 1: Lambshop of lamp shops playing a long time.

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Speaker 3: And so I think, I think, I mean, and you

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Speaker 3: girls who get glashes let me know, but I think

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Speaker 3: they kind of typically about one hundred and fifty dollars,

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Speaker 3: I think.

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Speaker 1: So I felt like it was a pretty good deal.

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Speaker 2: That's not bad. I mean my guilty pleasure speaking of group,

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Speaker 2: not a guilty pleasure. It's just like, wells, this is

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Speaker 2: the way my body is. It just likes to grow

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Speaker 2: hair in places where I do not want it.

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Speaker 1: So what I did.

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Speaker 2: I've been doing laser hair removal, which was always so

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Speaker 2: expensive I never thought I could afford it. But you

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Speaker 2: can get really good deals on group on for laser

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Speaker 2: hair removal packages, like for one hundred bucks, you'll get

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Speaker 2: six treatments. The only catch is that they only usually

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Speaker 2: offer those deals to new customers. In a city like

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Speaker 2: New York, there's literally a like a place I can

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Speaker 2: get laser hair removal on every corner. So it's not

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Speaker 2: hard for me to find new deals and go, you know,

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Speaker 2: bop around from place to place. I probably do it

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Speaker 2: once a year, I'll do like sub sessions. I'll be

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Speaker 2: good for the year. I mean, but the thing is

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Speaker 2: you'll do your six sessions or whatever. But it's really

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Speaker 2: hard to permanently stop hair growth. So real talk, ladies.

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Speaker 2: We're all friends here, right, So it's you know, it's

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Speaker 2: like an investment that I make in my I put

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Speaker 2: in myself like once a year to make to make

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Speaker 2: me happy and you know, not self conscious about little

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Speaker 2: fred and ginger on my chin. That's all.

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Speaker 1: How much does it cost?

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Speaker 2: Typically, God, like the actual sticker price for a treatment,

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Speaker 2: I'll have to look it up. It can be several

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Speaker 2: thousand dollars because each treatment, Yeah, because each treatment is

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Speaker 2: like a few hundred dollars, if not more. It depends

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Speaker 2: on where you're getting it, if you're gonna get your

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Speaker 2: entire leg done, because you need to have it. Like

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Speaker 2: I said, at least four to six sessions. They say

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Speaker 2: sometimes eight sessions. Per session, you're paying a few hundred bucks.

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Speaker 2: So like for a large area, for like a small

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Speaker 2: chin area, then there's like the medium chin area, then

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Speaker 2: the whole neck, and then there's like you know, the

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Speaker 2: bikini area. I've never done that. I don't have a

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Speaker 2: death wish. There's all there's all different grades of it,

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Speaker 2: so that's why there's those groupon deals are clutch.

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Speaker 1: Yeah, I can imagine, you know that. I don't know.

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Speaker 1: I just feel like I don't know. I feel like

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Speaker 1: Ebos or Nigerian's I don't know. We don't, I don't,

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Speaker 1: we don't know how any hair do you see?

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Speaker 2: Neither does any of my African room baits. I hated them.

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Speaker 2: They were gonna canyon for real.

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Speaker 3: I don't know what I'm like when I say like

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Speaker 3: I could probably go the whole summer and not maybe

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Speaker 3: I'm I might if I really really wanted to. I

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Speaker 3: guess I could shave my leg, but you wouldn't. The

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Speaker 3: difference is you can't even see, so that's what. But

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Speaker 3: the problem with that is that because of that, that

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Speaker 3: also meant I didn't have long lashes. So it's like, eh,

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Speaker 3: you know, so my my lack of hair like really

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Speaker 3: kind of like goes all the way up to like

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Speaker 3: my eyelashes and you know, so, I mean, I guess you.

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Speaker 1: Know you win some clue though, but I don't think.

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Speaker 2: That's a fair I mean, like I'd rather not have

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Speaker 2: long lashes than have to go have someone shoot a

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Speaker 2: laser at my face every year. So because that's what

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Speaker 2: it is, y'all. I'm not gonna lie. Just imagine someone

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Speaker 2: taking a rubber band, like your little brother, taking your

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Speaker 2: rubber band and just smacking you in the face for

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Speaker 2: fifteen minutes straight. But you know, it's worth it for

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Speaker 2: for society to like depend.

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Speaker 3: So right, like sitting and getting my eyelashes done where

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Speaker 3: nobody can even notice.

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Speaker 1: My husband was I mean Legit was like.

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Speaker 3: I don't, I don't know, I don't you have to

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Speaker 3: tell me something, what what is it? And I was like,

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Speaker 3: I don't know how I feel about not looking different

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Speaker 3: for ninety nine dollars. I thought I should be looking like,

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Speaker 3: I don't know, like for ninety nine dollars, I feel

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Speaker 3: like it should be a transformation.

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Speaker 2: And I'm like, well, you know, but you have to

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Speaker 2: do it for your see, this is what you got

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Speaker 2: to do it for you on the inside, to make

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Speaker 2: you happy. Because if you're doing it for the man,

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Speaker 2: who's never gonna notice. That's why I stopped buying lingerie.

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Speaker 1: Oh that's well, that's true.

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Speaker 2: Some men are into it, some men are not. I

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Speaker 2: learned early on it's a bad investment for some people

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Speaker 2: just making a sandwich, a nice sexy girl cheese sandwich.

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Speaker 2: Now that it is a very cheap turn on.

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Speaker 1: Right, Like are you hungry? Yes, yes, it's true.

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Speaker 2: Some guys are just not you know, like and I'm

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Speaker 2: telling you lingerie is not cheap. That's another like total ripoff.

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Speaker 2: I don't know where these companies are getting off charging

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Speaker 2: so much money for Like I went to a I

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Speaker 2: had to buy a lingerie for a bachelorette recently, like

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Speaker 2: where you do, Like at my bachelorette, for example, they

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Speaker 2: all gave you like lingerie, and then you had to

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Speaker 2: guess based on how trashy it was, like who gave

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Speaker 2: it to you? You know, shout out to Jess for

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Speaker 2: giving me a edible candy necklace gee string. I have

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Speaker 2: never used that, but anyway, I couldn't. But when I

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Speaker 2: went myself to go shopping, I couldn't believe like the

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Speaker 2: actual of like a little like you know, neglige or

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Speaker 2: whatever that you're probably gonna wear for like five seconds.

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Speaker 2: It's it's it's insane. I think it's like someone needs

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Speaker 2: to disrupt the lingerie. Is there, like a lingerie box?

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Speaker 1: Yeah, or something.

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Speaker 3: It's called Joyce Leslie Rainbow like those you know, like

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Speaker 3: the little plastic like the little cheapy like stories that

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Speaker 3: used to go to when you were in college it

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Speaker 3: didn't have much money, oh like.

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Speaker 2: Forever twenty one, like Real twenty one.

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Speaker 3: Yeah, that kind of thing, Like that's I mean when

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Speaker 3: I was like in my twenties, yep, I used to

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Speaker 3: go there be like, huh this has laced in.

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Speaker 2: It five for five songs from May twenty one. Yes,

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Speaker 2: fifteen year old Nandy was really into that.

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Speaker 1: Oh my god, No, but I totally agree that.

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Speaker 3: Some to me, I believe in the safe splurge method

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Speaker 3: of you know, you say, if you do what you're

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Speaker 3: supposed to do, but then because you know you are

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Speaker 3: a good steward of your money, that it's time to

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Speaker 3: kind of splurge, that you splurge without guilt.

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Speaker 1: So I say, for my splurges basically.

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Speaker 2: Yes as long but again like if you're doing it

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Speaker 2: for yourself and you feel good, then yes, do it.

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Speaker 2: That's that's that's why I get my because you know what,

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Speaker 2: I love getting my hair lasered off. It is so

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Speaker 2: self satisfying. What else happened this week? Oh shout out

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Speaker 2: to my one of my credit card writers. She pointed

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Speaker 2: out that the Supreme Court this week passed, uh, basically

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Speaker 2: struck down this long standing federal law that made it

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Speaker 2: illegal to bet across the country like in all these things.

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Speaker 1: Yes, New Jersey was pushing for that.

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Speaker 2: On sports, sorry, on sports, specifically sports betting. Yeah, so

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Speaker 2: it was like it was a New Jersey case that

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Speaker 2: went to the Supreme Court. So shout out to Chris

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Speaker 2: Christy the last one of his last Oh.

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Speaker 1: I don't know, only we recognized is.

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Speaker 2: No, Okay, I mean I recognize him. He's cute anyway,

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Speaker 2: So this means that you can doesn't mean it does

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Speaker 2: not mean that. Okay, now it is totally the Supreme

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Speaker 2: Court struck down this federal law that basically made it

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Speaker 2: illegal to bet on sports any were but Las Vegas.

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Speaker 2: But it doesn't mean that now you can just bet

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Speaker 2: on sports wherever you are across the country. What the

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Speaker 2: Supreme Court's ruling basically said was that it's not up

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Speaker 2: to the government, the federal government to decide what states

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Speaker 2: should do. So it's kicked back to the states to

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Speaker 2: make a call. So check your state rules. I'm pretty

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Speaker 2: sure this means in New Jersey.

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Speaker 3: Yeah, because they were pushing for it specifically, and all

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Speaker 3: of these betting companies were getting ready. I saw it

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Speaker 3: on the news like maybe, like I don't know, a

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Speaker 3: few days ago. So they were holding their breath hoping

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Speaker 3: that it would be a go and I guess it

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Speaker 3: is go Jersey.

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Speaker 1: I guess I mean more destroyed families. I don't know.

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Speaker 2: I don't have the stomach for betting. I am stressed

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Speaker 2: lottery tickets. I can't.

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Speaker 1: Oh.

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Speaker 3: I feel like I get stressed if I win, and

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Speaker 3: I get stressed if I lose, because if I win,

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Speaker 3: I'm like, wait, I.

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Speaker 1: Could win again. Wait no, okay, wait no wait, so yeah,

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Speaker 1: I'm not once I do my once I get one winning.

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Speaker 1: I remember a woman when I used used to teach preschool.

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Speaker 3: One of the teachers were like, do you want to

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Speaker 3: scratch off? I was like, now, she's like, I'll get

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Speaker 3: you one. I said, okay, it was a dollar, and

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Speaker 3: I won too, two dollars. And then the next day

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Speaker 3: she said, do you want to get a scratch, I'll

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Speaker 3: give you two dollars from yesterday, And for like a

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Speaker 3: week straight she went every day I won, I kept

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Speaker 3: rewinning just two dollars, and then by the end, I

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Speaker 3: was like, just give you mine. Then I think, like

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Speaker 3: the last day you know she was it didn't win anything.

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Speaker 3: So I was like, well, there you go. That and that,

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Speaker 3: my friends, is how the lottery works.

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Speaker 2: I think of how much my father, like my father's

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Speaker 2: like part back to my dad again. God, I really

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Speaker 2: need to like he needs to be on the show someday.

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Speaker 2: But the amount of money he had stuffed into the

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Speaker 2: side door of his Accura when I was a kid,

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Speaker 2: just stuffed like old lottery tickets, a lot like scratch offs.

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Speaker 2: Like all the money he just like shiffed into his

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Speaker 2: you know, the inner console of his car over the years,

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Speaker 2: I mean, probably amounted to like one hundred thousands of dollars.

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Speaker 1: It has to.

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Speaker 2: He spends so much money on this crap. But he's

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Speaker 2: still you know one day one day and maybe I'll

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Speaker 2: like bite my you know, eat my words one day.

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Speaker 2: But anyway, good for some people. Thank you for playing

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Speaker 2: the lottery because it does pay for like school scholarships.

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Speaker 2: So yeah, thank you Georgia citizens for putting me through school,

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Speaker 2: getting my tuition paid with the Hope scholarship. I appreciate that.

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Speaker 3: Yeah, you know, I was gonna say so I don't

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Speaker 3: know if you guys, like, you know, buy stocks, but

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Speaker 3: so I got I had to.

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Speaker 1: You know, did you?

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Speaker 3: I think it was you that I when I got

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Speaker 3: the robin Hood app. Was that like a couple of

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Speaker 3: years ago when you were like, hey, it's free trades.

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Speaker 1: I feel like it was you a couple.

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Speaker 2: Of years ago. It was probably like three weeks ago

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Speaker 2: when we talked about Robin up on the podcast.

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Speaker 1: Right probably, And so I really enjoyed the app.

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Speaker 3: But what I'm excited is because I bought a stock

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Speaker 3: which I'm not going to say the name of, because

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Speaker 3: you guys are going to rush and be like, oh

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Speaker 3: my god, it went down and now I'm broke. But

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Speaker 3: I bought a stock. The IPO was like, which is

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Speaker 3: the initial public offering when the stock first goes live,

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Speaker 3: was maybe like a week or so ago. It opened

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Speaker 3: at twenty nine dollars and now it's have forty five dollars.

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Speaker 3: I'm like, woohooky, So I'm feeling rich.

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Speaker 2: How many well, I guess you won't share how many

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Speaker 2: shares you bought mine.

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Speaker 3: I bought twenty four shares honestly because it's it's a

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00:15:00,160 --> 00:15:02,440
Speaker 3: stock of something that I use all the time, and

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Speaker 3: I'm seeing this shift to like every company that I

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Speaker 3: interact with using this, and I was like, uh, this

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00:15:08,320 --> 00:15:10,680
Speaker 3: is a no brainer. Because my sister, who's really into stocks,

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Speaker 3: kind of like emailed all the sisters and she's like, Hey,

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Speaker 3: the stock is coming up. You guys should watch. I've

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Speaker 3: been watching and waiting to see, like what's going to happen.

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Speaker 3: She's like, it's opening at twenty nine dollars, but I

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Speaker 3: feel like it's going to do much better. And sure enough,

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Speaker 3: it's like, you know, it's doing great, honestly, and so

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Speaker 3: I feel like, you know, I feel rich.

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Speaker 2: Yeah, my husband really wants to buy Spotify when it

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Speaker 2: goes public or no is it so and nose Spotify

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Speaker 2: so and knows one of those that's going public. I

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Speaker 2: actually bought my first stock on robin Hood too. This

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Speaker 2: is not a plug for robin Hood, it's just it's

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Speaker 2: free trade. So why not. I forgot I had like

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Speaker 2: a hundred bucks on there, so I was like, what

355
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Speaker 2: can I get for a hundred bucks? And I realized

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Speaker 2: whenever I go to Charlotte, I eat at the same restaurant,

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Speaker 2: this really delicious fast food restaurant, I mean, not Fat's

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Speaker 2: like fast casual, but it's really healthy. The food is

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00:15:53,640 --> 00:15:55,360
Speaker 2: so good, and I'm like, man, why isn't there one

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00:15:55,360 --> 00:15:57,480
Speaker 2: in New York City? So I started researching it and

361
00:15:57,520 --> 00:16:00,600
Speaker 2: I realized it's actually it's like a regional train chain

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Speaker 2: in the Southeast, and it's a publicly traded company. So

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Speaker 2: I ended up just buying the shares weren't that expensive.

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Speaker 2: It was like, how much was it per share? Like

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Speaker 2: thirteen dollars a share when I first bought it, and

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Speaker 2: I was like, I love this food, you know, maybe

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Speaker 2: it's an extrapot way. So I bought, like, I don't know,

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Speaker 2: however many shares you can get for a hundred bucks,

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Speaker 2: And I just checked it because you were talking about it,

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Speaker 2: and now the shares are sixteen dollars.

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Speaker 1: I had to see you, right, because we don't we

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Speaker 1: don't give stock advice. We don't.

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Speaker 2: No, no, this is literally play money, Like this is

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Speaker 2: one hundred dollars. I forgot about because I don't need

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Speaker 2: it right now, and if I lose it, you know,

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Speaker 2: that would suck. But I'm just I'm just playing around

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00:16:39,720 --> 00:16:41,160
Speaker 2: with it. You know, it's fun. I still got my

378
00:16:41,200 --> 00:16:44,240
Speaker 2: four to one k. I know you still have a

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Speaker 2: million different you know.

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Speaker 3: Not my account coin, but yes, I have my safety accounts,

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00:16:48,640 --> 00:16:51,440
Speaker 3: my retirement account. This is definitely money that I've literally

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Speaker 3: set aside to do this. And my dad is so cute.

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Speaker 3: He was like, because he invests like in this kind

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Speaker 3: of more a more traditional way, and so when I

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00:16:58,560 --> 00:17:01,200
Speaker 3: told him about Robinhood, he was like, oh, you know what,

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00:17:01,920 --> 00:17:03,520
Speaker 3: let me do it. And so I went to the

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Speaker 3: house and set him up and my mom up and

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00:17:05,560 --> 00:17:08,440
Speaker 3: they each put three hundred dollars in and my dad's

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00:17:08,520 --> 00:17:09,840
Speaker 3: I'm just gonna play around with this. So it's just

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Speaker 3: something fun, kind of like outside of like, you know,

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Speaker 3: because my dad has taken care of their finances, this

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Speaker 3: is just something new and fun. And I'm like, yeah,

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00:17:16,560 --> 00:17:19,800
Speaker 3: look at Daddy on his cell phone looking at his

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Speaker 3: robin Hood.

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Speaker 2: You know what my strategy is? Maybe, you know, I

396
00:17:23,040 --> 00:17:25,840
Speaker 2: think what I've I've sort of I'm finally investing. But

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Speaker 2: it's like, after I have absorbed all of this information

398
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Speaker 2: for so long, like talking to different investors and like

399
00:17:31,240 --> 00:17:34,199
Speaker 2: reading different books about the psychology of investing and what

400
00:17:34,280 --> 00:17:36,840
Speaker 2: goes into it and the whole by it's very simple

401
00:17:36,920 --> 00:17:39,800
Speaker 2: like for me, I'm just following the whole Warren Buffett strategy,

402
00:17:39,800 --> 00:17:43,160
Speaker 2: which is a bilow sell high. So when I bought

403
00:17:43,160 --> 00:17:46,200
Speaker 2: that when I bought that stock last week on the

404
00:17:46,280 --> 00:17:48,439
Speaker 2: robin Hood app it's basically it's a red line if

405
00:17:48,440 --> 00:17:50,359
Speaker 2: it's been going down, and it's green if it's going up.

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Speaker 2: And at the time it was read and for me,

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00:17:52,800 --> 00:17:54,760
Speaker 2: I'm only like, my whole thing is I want to

408
00:17:54,760 --> 00:17:57,720
Speaker 2: invest in companies when they're low, like when they've kind

409
00:17:57,720 --> 00:17:59,960
Speaker 2: of had a bad quarter or something. But you realize

410
00:18:00,119 --> 00:18:02,159
Speaker 2: you do the research and you're saying, hey, this company

411
00:18:02,240 --> 00:18:04,160
Speaker 2: has a good future ahead of it, or it's been

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00:18:04,200 --> 00:18:06,000
Speaker 2: solid for a long time. Like I look at those

413
00:18:06,040 --> 00:18:09,680
Speaker 2: opportunities as like, oh, it's a clearance sale. It's like

414
00:18:09,760 --> 00:18:11,640
Speaker 2: one day sale. I mean, let me holler at this.

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00:18:11,720 --> 00:18:15,560
Speaker 2: So because the the the alternative of that whole the

416
00:18:15,560 --> 00:18:18,600
Speaker 2: psychology of investing is that, Okay, it's the same thing

417
00:18:18,600 --> 00:18:20,879
Speaker 2: happened in the housing market, right everyone's buying a house

418
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Speaker 2: and back and through in this in the subprime lending crisis,

419
00:18:23,760 --> 00:18:26,719
Speaker 2: everyone's buying a house or you know, everyone's buying let's oh,

420
00:18:26,800 --> 00:18:29,440
Speaker 2: use Chipotle as an example. Everyone bought Chipotle stock, and

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00:18:29,480 --> 00:18:32,040
Speaker 2: the stock just everyone flocked and the stock gets inflated

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00:18:32,040 --> 00:18:35,400
Speaker 2: and inflated and inflated, and then something happens and there

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00:18:35,400 --> 00:18:38,080
Speaker 2: has to be some sort of correction, like for example,

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00:18:38,119 --> 00:18:40,840
Speaker 2: for Chipotle, the Holy Coli scare. I mean, the share

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00:18:40,880 --> 00:18:44,560
Speaker 2: is like plummeted and having recovered that much since then

426
00:18:44,560 --> 00:18:47,879
Speaker 2: that I know of. So it's you know, you have

427
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Speaker 2: this herd mentality where everyone wants to get in a

428
00:18:50,600 --> 00:18:52,919
Speaker 2: good deal. That's why it's smart for you not to

429
00:18:52,920 --> 00:18:55,760
Speaker 2: be like telling everyone what you're investing in, because what

430
00:18:55,760 --> 00:18:58,760
Speaker 2: if there's a budgetiza effect. It'd be good for you,

431
00:18:58,800 --> 00:19:01,760
Speaker 2: but bad for the twenty the two hundredth person to

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00:19:01,840 --> 00:19:04,119
Speaker 2: hear this podcast and go buy it, because one hundred

433
00:19:04,160 --> 00:19:05,840
Speaker 2: and ninety nine folks have gone and buy it, and

434
00:19:05,920 --> 00:19:08,480
Speaker 2: the shares are now going up in value because there's

435
00:19:08,520 --> 00:19:11,480
Speaker 2: this you know demand all of a sudden, and that

436
00:19:11,520 --> 00:19:13,840
Speaker 2: two hundred person is buying the stock at a way

437
00:19:13,920 --> 00:19:15,600
Speaker 2: higher price, and then what if it for all they

438
00:19:15,600 --> 00:19:16,280
Speaker 2: I have more to lose.

439
00:19:16,880 --> 00:19:18,919
Speaker 1: So interesting. I'm just because I want people to do

440
00:19:18,920 --> 00:19:20,679
Speaker 1: their I always say I'm not trying to be someone's

441
00:19:20,760 --> 00:19:23,320
Speaker 1: financial guru. I'm your financial girlfriend.

442
00:19:23,080 --> 00:19:24,639
Speaker 3: And you know, like your girlfriend's is like, oh you

443
00:19:24,720 --> 00:19:27,040
Speaker 3: like my hair. Well, girl, you know there's YouTube channel

444
00:19:27,040 --> 00:19:28,680
Speaker 3: you can learn how to do it. She's not there

445
00:19:28,720 --> 00:19:30,480
Speaker 3: to be like, come sit in my chair, I'll color

446
00:19:30,520 --> 00:19:33,320
Speaker 3: your hair for you. So it's like, no, I'm hearing

447
00:19:33,359 --> 00:19:35,359
Speaker 3: more show to like share my journey and kind of

448
00:19:35,400 --> 00:19:37,720
Speaker 3: like to share what's happening, and then for you to

449
00:19:37,760 --> 00:19:39,000
Speaker 3: take that information, do your.

450
00:19:38,960 --> 00:19:40,560
Speaker 1: Due diligence, do the work.

451
00:19:40,760 --> 00:19:44,160
Speaker 3: You really should not be following anyone blindly, but Jesus

452
00:19:44,240 --> 00:19:45,080
Speaker 3: if you're into that.

453
00:19:46,000 --> 00:19:48,439
Speaker 1: So yeah, that's why I don't share like those particulars.

454
00:19:48,480 --> 00:19:49,919
Speaker 3: You know, like there might be companies I like that

455
00:19:49,960 --> 00:19:52,560
Speaker 3: I share, but definitely not like hear my hot stock

456
00:19:52,680 --> 00:19:54,040
Speaker 3: tips because I'm like, what do I know?

457
00:19:55,080 --> 00:19:57,439
Speaker 2: That's this is a good chance to plug. One of

458
00:19:57,440 --> 00:19:59,280
Speaker 2: our guests that's coming on in a couple of weeks.

459
00:19:59,320 --> 00:20:02,160
Speaker 2: We're having an act investment guru. Well, I hate let's

460
00:20:02,160 --> 00:20:05,400
Speaker 2: not call let's not say guru. We're having a fantastic

461
00:20:05,400 --> 00:20:08,560
Speaker 2: guest joined us on the May twenty ninth show. Her

462
00:20:08,640 --> 00:20:13,320
Speaker 2: name is Gail Jennings Oburn. She may may or may

463
00:20:13,359 --> 00:20:15,439
Speaker 2: not share a publicist with someone that we both know,

464
00:20:16,720 --> 00:20:20,400
Speaker 2: but she's the founder and CEO of an organization called

465
00:20:20,480 --> 00:20:23,919
Speaker 2: Intent Manifesto and they're partnering with JP Morgan Chase right

466
00:20:23,960 --> 00:20:28,680
Speaker 2: now to educate people about investing. But Intent Manifesto, which

467
00:20:28,680 --> 00:20:32,200
Speaker 2: Gail runs, is an investment education platform, and it sort

468
00:20:32,200 --> 00:20:35,320
Speaker 2: of is centered around a new approach to investing and

469
00:20:35,359 --> 00:20:38,600
Speaker 2: trying to very much focus on women of color startups,

470
00:20:38,920 --> 00:20:41,720
Speaker 2: so helping women of color startups get funding and help

471
00:20:41,800 --> 00:20:44,400
Speaker 2: them make good investments in their companies. And so we're

472
00:20:44,400 --> 00:20:46,639
Speaker 2: going to have Gail on the show and hopefully maybe

473
00:20:46,640 --> 00:20:49,800
Speaker 2: she'll have some investment tips to share, some entrepreneurial tips

474
00:20:49,840 --> 00:20:53,119
Speaker 2: to share. If you guys want to look into Intent Manifesto,

475
00:20:53,240 --> 00:20:55,920
Speaker 2: look in to Gail. Maybe you have some questions around

476
00:20:55,960 --> 00:20:59,040
Speaker 2: investing or starting your own business and we can ask

477
00:20:59,080 --> 00:21:02,000
Speaker 2: Gale those on the show. That'd be awesome. Go ahead

478
00:21:02,000 --> 00:21:04,399
Speaker 2: and send us an email at Brown Ambition Podcast at

479
00:21:04,440 --> 00:21:17,840
Speaker 2: gmail dot com dot com.

480
00:21:19,040 --> 00:21:23,840
Speaker 1: I think it's time to boost or break Boost or

481
00:21:23,920 --> 00:21:25,280
Speaker 1: break Booster break.

482
00:21:26,160 --> 00:21:27,720
Speaker 2: It sounds like you really want to go first.

483
00:21:27,960 --> 00:21:31,520
Speaker 3: Yeah, because people on the internet could be so mean.

484
00:21:32,080 --> 00:21:33,960
Speaker 3: And I said, you know, I wasn't gonna I wasn't

485
00:21:33,960 --> 00:21:35,760
Speaker 3: gonna say anything, But I'm like, you know what, I

486
00:21:35,760 --> 00:21:37,480
Speaker 3: am gonna say anything because we have to do better,

487
00:21:37,880 --> 00:21:41,200
Speaker 3: so I have like this. It's like, oh, I guess

488
00:21:41,240 --> 00:21:45,600
Speaker 3: it's on Instagram. It's just the like an Instagram video

489
00:21:45,920 --> 00:21:47,560
Speaker 3: of like when I was on the reel talking about

490
00:21:47,560 --> 00:21:49,880
Speaker 3: credit blah blah blah, and then I'm like, hey, if

491
00:21:49,880 --> 00:21:51,960
Speaker 3: you're having trouble with credit, everyone knows that I always

492
00:21:51,960 --> 00:21:54,119
Speaker 3: do these free literature challenges.

493
00:21:54,640 --> 00:21:55,720
Speaker 1: It's been like the last four years.

494
00:21:55,760 --> 00:21:58,560
Speaker 3: So many people have been helped, right because ultimately I

495
00:21:58,600 --> 00:22:01,120
Speaker 3: started the budgetiese to to be of.

496
00:22:01,119 --> 00:22:03,960
Speaker 1: Service, right, so these videos are great. I never know.

497
00:22:04,119 --> 00:22:05,840
Speaker 3: And then I started looking in the comments and like

498
00:22:05,920 --> 00:22:07,440
Speaker 3: ninety nine percent of people are like, oh my gosh,

499
00:22:07,440 --> 00:22:09,040
Speaker 3: thank you so much, or oh my gosh, you really

500
00:22:09,040 --> 00:22:11,320
Speaker 3: helped me, or my I was able to buy a house.

501
00:22:11,680 --> 00:22:14,240
Speaker 3: But then you get like probably like one percent that

502
00:22:14,440 --> 00:22:17,399
Speaker 3: are literally telling me I should read one of the comments,

503
00:22:17,400 --> 00:22:17,760
Speaker 3: but I'm not.

504
00:22:18,680 --> 00:22:20,959
Speaker 1: You should you should budget for braces?

505
00:22:21,440 --> 00:22:26,480
Speaker 2: Oh ye when makes celebrities read mean tweets. I don't

506
00:22:26,560 --> 00:22:26,960
Speaker 2: like that.

507
00:22:30,040 --> 00:22:31,400
Speaker 3: I mean that, I'm not gonna lie that will maybe

508
00:22:31,440 --> 00:22:36,479
Speaker 3: kind of laugh a little bit, but the clever but honestly, like,

509
00:22:36,560 --> 00:22:40,200
Speaker 3: so here's the thing. It just really blows my mind

510
00:22:40,440 --> 00:22:44,879
Speaker 3: that you know, folks feel so free to like be

511
00:22:45,359 --> 00:22:47,400
Speaker 3: It's one thing to think something mean, but I feel

512
00:22:47,400 --> 00:22:49,359
Speaker 3: like it's like a whole other level to literally type it.

513
00:22:49,440 --> 00:22:52,920
Speaker 3: One woman, her name was like a some Christian centric name,

514
00:22:53,040 --> 00:22:57,600
Speaker 3: like like faithful to the Lord something like that, and

515
00:22:57,640 --> 00:22:59,840
Speaker 3: she was just like going in on me and some

516
00:23:00,160 --> 00:23:01,600
Speaker 3: and the like I said, I don't honestly, there's so

517
00:23:01,640 --> 00:23:03,400
Speaker 3: many comments. I don't always get to read all them.

518
00:23:03,440 --> 00:23:05,520
Speaker 3: And someone was like, how is your name faithful to

519
00:23:05,560 --> 00:23:06,000
Speaker 3: the Lord?

520
00:23:08,119 --> 00:23:08,760
Speaker 1: Very Christian?

521
00:23:09,040 --> 00:23:10,480
Speaker 3: And she was like, no, I'm just trying to give

522
00:23:10,480 --> 00:23:12,600
Speaker 3: her some advice so people could take her more seriously

523
00:23:12,880 --> 00:23:15,960
Speaker 3: and she can be more successful. And they're like, more seriously, ma'am,

524
00:23:16,000 --> 00:23:18,480
Speaker 3: you're watching her on National TV. I'm I think she's

525
00:23:18,480 --> 00:23:21,879
Speaker 3: here her, I think she's here. So my break is

526
00:23:21,960 --> 00:23:24,480
Speaker 3: just like, I mean, it doesn't that's honestly, this is

527
00:23:24,480 --> 00:23:27,120
Speaker 3: the first time that it's happened like that. I think

528
00:23:27,160 --> 00:23:28,960
Speaker 3: Instagram people feel a little bit more because I don't

529
00:23:28,960 --> 00:23:30,760
Speaker 3: really get that on Facebook at all, but I think

530
00:23:30,800 --> 00:23:33,359
Speaker 3: Instagram people feel a little bit more disconnected. I'm like,

531
00:23:33,400 --> 00:23:37,080
Speaker 3: you as a human being, but yeah, well here's the thing,

532
00:23:37,119 --> 00:23:39,879
Speaker 3: Like I've always considered I had braces when I was

533
00:23:40,480 --> 00:23:42,920
Speaker 3: like normal teenager, but I also have this.

534
00:23:42,880 --> 00:23:43,919
Speaker 1: Thing called tounuk thrust.

535
00:23:43,960 --> 00:23:47,520
Speaker 3: So it's similar to have to having sucking your thumb

536
00:23:47,560 --> 00:23:49,720
Speaker 3: when you're a kid, but with your thumb you can

537
00:23:49,800 --> 00:23:51,520
Speaker 3: pull like a baby's thumb out of their mouth and

538
00:23:51,560 --> 00:23:53,920
Speaker 3: be like, no, don't suck your thumb. But with tongue thrust,

539
00:23:54,040 --> 00:23:56,240
Speaker 3: it's the same kind of motion, but it's just your

540
00:23:56,240 --> 00:23:59,560
Speaker 3: tongue without the thumb, and so it's a soothing mechanism

541
00:23:59,600 --> 00:24:02,000
Speaker 3: that baby like do, like my little niece has it.

542
00:24:02,280 --> 00:24:04,440
Speaker 3: But it's very difficult to break the habit because you

543
00:24:04,480 --> 00:24:07,520
Speaker 3: can't take a tongue out. And so even now to

544
00:24:07,520 --> 00:24:10,119
Speaker 3: this day at thirty eight, like if I'm really stressed,

545
00:24:10,119 --> 00:24:12,920
Speaker 3: I won't even notice that I'm like sucking my tongue.

546
00:24:13,119 --> 00:24:14,880
Speaker 3: Or like if I go to sleep and I can't

547
00:24:14,920 --> 00:24:17,600
Speaker 3: go to sleep, literally, I still will rock myself to

548
00:24:17,600 --> 00:24:20,119
Speaker 3: sleep during that because it's something that I do up

549
00:24:20,480 --> 00:24:25,199
Speaker 3: subconsciously and as a result, like it'll push your teeth out,

550
00:24:25,280 --> 00:24:27,320
Speaker 3: there's nothing you could do about it. And even if

551
00:24:27,320 --> 00:24:29,959
Speaker 3: I were to get braces again because my teeth were

552
00:24:30,000 --> 00:24:33,520
Speaker 3: completely straight, then the tongue thrust, because your tongue is

553
00:24:33,520 --> 00:24:36,080
Speaker 3: one of the strongest muscles in your body over time

554
00:24:36,119 --> 00:24:38,199
Speaker 3: would migrate the teeth back. I mean, it's not in

555
00:24:38,200 --> 00:24:40,640
Speaker 3: your business, but I just figured I would share that

556
00:24:40,800 --> 00:24:43,399
Speaker 3: and say like, you just never know, and thank god,

557
00:24:43,640 --> 00:24:45,600
Speaker 3: honestly that I'm in a space because if this would

558
00:24:45,600 --> 00:24:48,040
Speaker 3: have caught me, I don't know in my twenties, you

559
00:24:48,080 --> 00:24:51,199
Speaker 3: know what, this would have really rocked me and been like.

560
00:24:51,240 --> 00:24:51,879
Speaker 1: Oh my god.

561
00:24:52,560 --> 00:24:54,480
Speaker 3: But instead, like I screenshot and said that the dream

562
00:24:54,520 --> 00:24:57,520
Speaker 3: or we were howling, like yo, she is so mean.

563
00:24:58,320 --> 00:24:59,560
Speaker 2: I mean, do you have a quick boost? So my

564
00:24:59,600 --> 00:25:01,520
Speaker 2: views this week it's going to be for the the

565
00:25:01,600 --> 00:25:04,440
Speaker 2: secret binders groups on Facebook. Have you heard of these?

566
00:25:04,960 --> 00:25:07,720
Speaker 2: Who you have it? Oh my god, Tiffany hasn't heard

567
00:25:07,720 --> 00:25:11,840
Speaker 2: of something egg, So let me tell you. Do you remember,

568
00:25:12,080 --> 00:25:14,080
Speaker 2: way way way back when two thousand was it two

569
00:25:14,080 --> 00:25:16,280
Speaker 2: thousand and eight or two thousand and four election when

570
00:25:16,320 --> 00:25:18,480
Speaker 2: Mitt and Romney was a candidate or he was at

571
00:25:18,720 --> 00:25:21,680
Speaker 2: early he was like a candidate for the ticket, and

572
00:25:21,800 --> 00:25:25,760
Speaker 2: at a debate, he he had this binder and he

573
00:25:26,040 --> 00:25:29,200
Speaker 2: was talking about he was defending something about his stance

574
00:25:29,240 --> 00:25:32,359
Speaker 2: of women's rights or something about women's healthcare, and he

575
00:25:32,480 --> 00:25:35,120
Speaker 2: was like, I've got my binders full of women right here,

576
00:25:35,160 --> 00:25:37,960
Speaker 2: and he just like it was like this iconicly stupid

577
00:25:37,960 --> 00:25:41,280
Speaker 2: moment that that went, that went viral, and then it

578
00:25:41,320 --> 00:25:43,560
Speaker 2: became like this thing binders full of women, Binders full

579
00:25:43,560 --> 00:25:45,960
Speaker 2: of women. And in response to that or I don't know,

580
00:25:46,040 --> 00:25:47,920
Speaker 2: I don't know when it all started, but these Facebook

581
00:25:47,960 --> 00:25:50,800
Speaker 2: groups started to crop up. Binders full of women seeking

582
00:25:51,400 --> 00:25:57,080
Speaker 2: financial jobs, Binders full of women seeking editorial jobs, bind

583
00:25:57,440 --> 00:26:00,560
Speaker 2: Binders full of women seeking marketing jobs. All these kind

584
00:26:00,600 --> 00:26:04,520
Speaker 2: of like secret Facebook groups where you could, based on

585
00:26:04,560 --> 00:26:09,679
Speaker 2: like a good shared interest, gather together and to share sources,

586
00:26:09,800 --> 00:26:12,520
Speaker 2: to share job leads, to share all kinds of stuff.

587
00:26:12,560 --> 00:26:16,040
Speaker 2: And there are these specific Binders groups that I constantly

588
00:26:16,160 --> 00:26:21,240
Speaker 2: use to recruit new writers and people for jobs, magnify

589
00:26:21,359 --> 00:26:23,359
Speaker 2: money and it like just this week I found these

590
00:26:23,440 --> 00:26:27,160
Speaker 2: three fabulous business writers through the Binders full of God,

591
00:26:27,160 --> 00:26:28,320
Speaker 2: I'm going to mess it up. I use like three

592
00:26:28,359 --> 00:26:32,720
Speaker 2: different groups. This is Binders full of finance and investing writers,

593
00:26:32,960 --> 00:26:37,440
Speaker 2: and there's also Binders full of editors seeking freelance writers

594
00:26:37,600 --> 00:26:39,800
Speaker 2: that I use sometimes, and there's there's all kinds. So

595
00:26:39,800 --> 00:26:41,680
Speaker 2: if you just go to Facebook and search for Binders,

596
00:26:41,840 --> 00:26:43,760
Speaker 2: if you're looking for a job, I'm sure there's other

597
00:26:43,800 --> 00:26:47,480
Speaker 2: types of binders groups besides just you know, job groups.

598
00:26:47,480 --> 00:26:50,240
Speaker 2: But it's it's really cool, and this is like, this

599
00:26:50,359 --> 00:26:52,919
Speaker 2: is better in a lot of ways than like posting

600
00:26:52,960 --> 00:26:56,080
Speaker 2: things on LinkedIn or sending out emails to my network,

601
00:26:56,119 --> 00:26:58,040
Speaker 2: because you'll find people that you never would have found

602
00:26:58,760 --> 00:27:00,840
Speaker 2: otherwise by going through these binds.

603
00:27:01,080 --> 00:27:03,680
Speaker 3: I love that, honestly, I've never and you know, I'm

604
00:27:03,680 --> 00:27:04,720
Speaker 3: like pop culture queen.

605
00:27:04,880 --> 00:27:06,720
Speaker 1: Well you know it's between the two of us. Anyway,

606
00:27:08,320 --> 00:27:10,520
Speaker 1: that's awesome. I mean, of course I've heard a binders

607
00:27:10,520 --> 00:27:11,600
Speaker 1: full of women, but I didn't.

608
00:27:11,560 --> 00:27:13,480
Speaker 2: Think you know more about pop culture than me. You

609
00:27:13,680 --> 00:27:15,920
Speaker 2: just made a little uh what you call it a

610
00:27:16,000 --> 00:27:19,520
Speaker 2: lamb chop reference at the top of this here show.

611
00:27:21,320 --> 00:27:22,800
Speaker 1: It's true.

612
00:27:22,800 --> 00:27:24,280
Speaker 2: I'll take you on any day.

613
00:27:25,320 --> 00:27:29,600
Speaker 1: We shouldn't. We should have a pop culture off millennial

614
00:27:29,720 --> 00:27:32,239
Speaker 1: versus one of my am I generation ex is that's

615
00:27:32,240 --> 00:27:34,119
Speaker 1: the one went right before millennial X.

616
00:27:34,200 --> 00:27:36,960
Speaker 3: Yes, your ex you know me and while about pop

617
00:27:36,960 --> 00:27:38,120
Speaker 3: culture and I'm like, wait.

618
00:27:38,040 --> 00:27:39,959
Speaker 2: What again, contradicting yourself?

619
00:27:41,200 --> 00:27:42,080
Speaker 1: Tis true? Is true?

620
00:27:42,119 --> 00:27:42,359
Speaker 2: All right?

621
00:27:42,359 --> 00:27:44,960
Speaker 3: I'm a dialard all back. No, that's honestly, I think

622
00:27:45,040 --> 00:27:48,320
Speaker 3: that's awesome. I love when one thing I really do.

623
00:27:48,400 --> 00:27:50,840
Speaker 3: I mean, although Facebook sometimes you just like, Oh Facebook,

624
00:27:51,119 --> 00:27:53,280
Speaker 3: I just love that people are able to gather around

625
00:27:53,280 --> 00:27:56,080
Speaker 3: specific topics and and really help each other. There's so

626
00:27:56,119 --> 00:27:59,240
Speaker 3: many dope amazing Facebook groups, and I'm a part of

627
00:27:59,280 --> 00:28:01,080
Speaker 3: Like I'm literally a part of a four C group.

628
00:28:01,320 --> 00:28:04,119
Speaker 3: So you know how like hair is like yeah, you know,

629
00:28:04,240 --> 00:28:07,160
Speaker 3: and so like mine is like super super super tight

630
00:28:07,200 --> 00:28:09,760
Speaker 3: tight tight curls like wild's kind of like ringlets, and

631
00:28:09,800 --> 00:28:12,080
Speaker 3: so I guess it's considered for C. And so I'm

632
00:28:12,080 --> 00:28:14,160
Speaker 3: a part of a group about how best to take

633
00:28:14,200 --> 00:28:16,400
Speaker 3: care of that kind of hair. I'm also a part

634
00:28:16,400 --> 00:28:18,040
Speaker 3: of a sister locks group because that's the kind of

635
00:28:18,040 --> 00:28:20,280
Speaker 3: locks I have, and a travel group and a Black

636
00:28:20,320 --> 00:28:23,640
Speaker 3: travel group and a Black women's travel group. So yeah,

637
00:28:23,760 --> 00:28:27,679
Speaker 3: Facebook groups that kind of hone in on specific things

638
00:28:27,720 --> 00:28:30,679
Speaker 3: and allow you to gather around that thing, you know.

639
00:28:30,800 --> 00:28:32,440
Speaker 3: And I may or may not have joined that beard

640
00:28:32,440 --> 00:28:34,240
Speaker 3: gang just for a moment, just to get my gig along,

641
00:28:35,359 --> 00:28:35,879
Speaker 3: But I'm.

642
00:28:35,760 --> 00:28:56,240
Speaker 1: Out now, Okay, you got your fix? Questions? Do we

643
00:28:56,280 --> 00:28:58,000
Speaker 1: get any good questions this week?

644
00:28:58,200 --> 00:29:00,160
Speaker 2: Got some great questions this week, you guys. If you

645
00:29:00,160 --> 00:29:01,800
Speaker 2: want to send us some questions, you can hit us

646
00:29:01,840 --> 00:29:05,520
Speaker 2: up at brandambispodcast dot com.

647
00:29:05,680 --> 00:29:06,520
Speaker 1: So at Gmail.

648
00:29:07,280 --> 00:29:09,360
Speaker 2: Well, first I was going to say the website, and

649
00:29:09,400 --> 00:29:13,840
Speaker 2: then I was going to say the Gmail address. Thank

650
00:29:13,880 --> 00:29:16,440
Speaker 2: you for reminding me. So if you want to skip

651
00:29:16,440 --> 00:29:18,400
Speaker 2: ahead and to get directly to us, you can email

652
00:29:18,480 --> 00:29:22,920
Speaker 2: us at Brandanmbispodcasts at gmail dot com. Thank you. So

653
00:29:22,960 --> 00:29:24,719
Speaker 2: there's two ways to reach us, or hit us up

654
00:29:24,720 --> 00:29:28,880
Speaker 2: on Facebook or Instagram anywhere else. I do read all

655
00:29:28,920 --> 00:29:30,960
Speaker 2: of your questions and I like to pick once we

656
00:29:31,040 --> 00:29:34,160
Speaker 2: haven't answered before. So if you have any interesting questions

657
00:29:34,160 --> 00:29:35,920
Speaker 2: you haven't heard answer on the show before, send them

658
00:29:35,920 --> 00:29:38,320
Speaker 2: on in. You never know. I love looking for questions

659
00:29:38,320 --> 00:29:41,320
Speaker 2: that I think our listeners haven't heard from before. So

660
00:29:41,360 --> 00:29:43,600
Speaker 2: without further ado, I'd like to take a question and

661
00:29:43,680 --> 00:29:46,160
Speaker 2: do let me know if you prefer to go anonymous

662
00:29:46,280 --> 00:29:48,120
Speaker 2: or buy your name, because otherwise I'll just use your

663
00:29:48,200 --> 00:29:50,320
Speaker 2: name and call you out put you on blast like

664
00:29:50,320 --> 00:29:54,480
Speaker 2: I'm about to put my listener Nicole on blast. Nicole says,

665
00:29:54,640 --> 00:29:56,800
Speaker 2: I know both of you ladies recently purchase homes with

666
00:29:56,840 --> 00:29:59,480
Speaker 2: your husband's congrats. What advice would you give to an

667
00:29:59,600 --> 00:30:03,400
Speaker 2: unreari maried couple for purchasing property together? Good idea or

668
00:30:03,480 --> 00:30:06,240
Speaker 2: bad idea. Would either of you have purchased a home

669
00:30:06,280 --> 00:30:08,760
Speaker 2: with your significant other if you were not married to them?

670
00:30:09,160 --> 00:30:10,040
Speaker 2: Thanks love the show.

671
00:30:12,880 --> 00:30:16,560
Speaker 3: So my knee jerk reaction is, oh hellll no.

672
00:30:19,160 --> 00:30:22,440
Speaker 2: So which question to buying with your to buying with

673
00:30:22,480 --> 00:30:23,800
Speaker 2: someone you're not married to, or that.

674
00:30:23,840 --> 00:30:25,080
Speaker 1: You would you have?

675
00:30:25,320 --> 00:30:26,160
Speaker 2: Would you have? Okay?

676
00:30:26,200 --> 00:30:26,640
Speaker 1: Fair enough?

677
00:30:26,720 --> 00:30:27,120
Speaker 2: Yeah?

678
00:30:27,160 --> 00:30:29,880
Speaker 3: So, because I mean, well here's why. It's just because

679
00:30:29,920 --> 00:30:31,480
Speaker 3: not to say that marriage is to end all be all,

680
00:30:31,520 --> 00:30:34,400
Speaker 3: because it's not. But like I mean, once you take

681
00:30:34,440 --> 00:30:36,640
Speaker 3: away the love part of marriage, at the end of

682
00:30:36,680 --> 00:30:39,680
Speaker 3: the day, it's literally a contract. And so it's a

683
00:30:39,720 --> 00:30:43,560
Speaker 3: contract that that that holds certain protection for both parties.

684
00:30:43,960 --> 00:30:48,320
Speaker 3: And so buying a home, it's like that's a major

685
00:30:48,560 --> 00:30:50,320
Speaker 3: Like you know, it's probably one of the most expensive

686
00:30:50,400 --> 00:30:52,920
Speaker 3: during top three most expensive things you'll do in your lifetime.

687
00:30:53,280 --> 00:30:57,200
Speaker 3: So doing so without like a contract, basically you put

688
00:30:57,240 --> 00:31:00,760
Speaker 3: yourself at risk, you know. And so if you were

689
00:31:00,800 --> 00:31:03,720
Speaker 3: going to do that, then I would put a contract

690
00:31:03,720 --> 00:31:07,720
Speaker 3: in place of what happens if we're no longer together,

691
00:31:07,760 --> 00:31:10,200
Speaker 3: I don't want this home, so I would enter into it.

692
00:31:10,240 --> 00:31:11,360
Speaker 3: If I was going to buy a home with my

693
00:31:11,880 --> 00:31:15,440
Speaker 3: non married to significant other with a literal contract in place,

694
00:31:15,840 --> 00:31:16,400
Speaker 3: saying like.

695
00:31:16,360 --> 00:31:20,320
Speaker 2: Well, those are called tenants in common I believe, Okay,

696
00:31:20,400 --> 00:31:22,640
Speaker 2: that's the name of that joint contract. Like if you

697
00:31:22,680 --> 00:31:24,920
Speaker 2: wanted to buy a property with a sibling or a

698
00:31:24,960 --> 00:31:28,760
Speaker 2: friend or okay, other that type of arrangement, but not

699
00:31:28,840 --> 00:31:31,600
Speaker 2: just what would happen if you know, you decided to

700
00:31:31,640 --> 00:31:34,720
Speaker 2: move out or you guys broke up. Also, this just

701
00:31:34,760 --> 00:31:38,240
Speaker 2: happened to someone that I know recently. She purchased a

702
00:31:38,960 --> 00:31:41,840
Speaker 2: her name was on the mortgage. She was living with

703
00:31:42,360 --> 00:31:45,160
Speaker 2: a significant other, they weren't married, and although he was

704
00:31:45,280 --> 00:31:48,680
Speaker 2: putting money toward the mortgage payment while they were together,

705
00:31:48,720 --> 00:31:50,320
Speaker 2: when they broke up, she is the only one on

706
00:31:50,360 --> 00:31:52,480
Speaker 2: the mortgage, right, so she has to all of a

707
00:31:52,520 --> 00:31:57,960
Speaker 2: sudden assume that responsibility of basically a mortgage payment doubled overnight,

708
00:31:58,320 --> 00:32:00,760
Speaker 2: and she had factored in his income when she got

709
00:32:00,760 --> 00:32:02,760
Speaker 2: the mortgage, and it became very difficult for her to

710
00:32:02,840 --> 00:32:05,239
Speaker 2: keep up with it. And meanwhile, he's like, you know,

711
00:32:05,960 --> 00:32:09,080
Speaker 2: skating away scot free because his name was not on

712
00:32:09,120 --> 00:32:10,880
Speaker 2: the mortgage. So it can go either way, Like it

713
00:32:10,920 --> 00:32:14,720
Speaker 2: could be a liability to put your you know, take

714
00:32:14,720 --> 00:32:16,400
Speaker 2: out a mortgage with someone you're not married too. I mean,

715
00:32:16,560 --> 00:32:18,720
Speaker 2: it's a liability either you're whether you're married or not.

716
00:32:18,760 --> 00:32:21,320
Speaker 2: If you're if your name's on the mortgage together, Yeah,

717
00:32:21,400 --> 00:32:24,040
Speaker 2: the same token. If you're the one living with someone

718
00:32:24,160 --> 00:32:26,280
Speaker 2: and your name is not on the deed of the

719
00:32:26,360 --> 00:32:29,520
Speaker 2: house and yet you're paying money toward their mortgage payment,

720
00:32:29,720 --> 00:32:33,040
Speaker 2: then you're not actually gonna be owed anything. Like if

721
00:32:33,080 --> 00:32:34,960
Speaker 2: they decide if you break up and they sell the

722
00:32:35,000 --> 00:32:37,800
Speaker 2: house at a profit, although you've been helping them build

723
00:32:37,880 --> 00:32:40,360
Speaker 2: equity in the home by making mortgage payments, they're not

724
00:32:40,400 --> 00:32:43,240
Speaker 2: going to owe you anything. So I would say if

725
00:32:43,280 --> 00:32:45,400
Speaker 2: you're if you're gonna do this, like do it the

726
00:32:45,480 --> 00:32:48,000
Speaker 2: right way, get that tenants and tenants in common agreement,

727
00:32:48,280 --> 00:32:50,720
Speaker 2: and make sure that you like your name's actually on

728
00:32:50,800 --> 00:32:53,280
Speaker 2: the deed so that you actually own it. Like kicking

729
00:32:53,280 --> 00:32:55,520
Speaker 2: in money, you know, for the mortgage payment does not

730
00:32:55,640 --> 00:32:58,600
Speaker 2: mean that you have any right to the home, you know,

731
00:32:58,640 --> 00:33:00,800
Speaker 2: if something, if things were to go set later on.

732
00:33:02,360 --> 00:33:05,040
Speaker 3: Then I yeah, I just it's it's very because even

733
00:33:05,080 --> 00:33:08,440
Speaker 3: before because me and Superman were living together before we

734
00:33:08,480 --> 00:33:11,600
Speaker 3: got married, and so even then we didn't really cal

735
00:33:11,760 --> 00:33:15,440
Speaker 3: mingle money that much. We had one joint savings account

736
00:33:15,600 --> 00:33:19,480
Speaker 3: that started off as our vacation account and then was

737
00:33:19,520 --> 00:33:23,800
Speaker 3: like then became our wedding account, and then because we

738
00:33:23,840 --> 00:33:26,280
Speaker 3: didn't really have a big old wedding, then became our

739
00:33:26,320 --> 00:33:28,440
Speaker 3: house account, which is what it is right now, like

740
00:33:28,560 --> 00:33:30,600
Speaker 3: house like kind of like when we buy our next

741
00:33:30,600 --> 00:33:34,200
Speaker 3: property investing account. So you know, you just have to

742
00:33:34,200 --> 00:33:37,240
Speaker 3: be mindful that, like, because even in marriage, I mean,

743
00:33:37,560 --> 00:33:40,320
Speaker 3: there's no guarantee when you're when it comes to money.

744
00:33:41,160 --> 00:33:43,760
Speaker 3: You want to kind of begin with the end in mind,

745
00:33:43,960 --> 00:33:45,840
Speaker 3: not when it comes to marriage, but when it comes

746
00:33:45,920 --> 00:33:48,920
Speaker 3: to money. And so even when it comes to your spouse,

747
00:33:48,960 --> 00:33:52,040
Speaker 3: So like, what would happen if you know, because even

748
00:33:52,080 --> 00:33:54,640
Speaker 3: with like me and Superman we have a prenuptial agreement

749
00:33:54,720 --> 00:33:57,040
Speaker 3: quite honestly, because I had the well, what would happen

750
00:33:57,080 --> 00:33:58,840
Speaker 3: if what does that kind of look like? And it's fair.

751
00:33:59,240 --> 00:34:01,120
Speaker 3: It's just like when you versus yours, mine's mine and

752
00:34:01,160 --> 00:34:03,160
Speaker 3: what's ours? We split down the middle. So it's not

753
00:34:03,240 --> 00:34:07,920
Speaker 3: some huge, you know thing, But I just wanted to

754
00:34:07,960 --> 00:34:10,160
Speaker 3: just make sure that he was protected, I was protected,

755
00:34:11,280 --> 00:34:14,080
Speaker 3: and so yeah, I would just be careful about it.

756
00:34:14,120 --> 00:34:16,000
Speaker 3: And if you're going to do it, have a contract

757
00:34:16,040 --> 00:34:17,000
Speaker 3: in place beforehand.

758
00:34:17,400 --> 00:34:19,000
Speaker 2: Yeah, interesting question. Thanks Nicole.

759
00:34:19,360 --> 00:34:20,200
Speaker 1: Yeah, great question.

760
00:34:21,000 --> 00:34:24,560
Speaker 2: Okay, so next question comes from listener to Kia. Takia

761
00:34:25,000 --> 00:34:28,040
Speaker 2: has a question about Tiffany's jump like Jordan method. Tiffany,

762
00:34:28,080 --> 00:34:29,960
Speaker 2: what is the jump like Jordan method? First of all,

763
00:34:30,040 --> 00:34:31,160
Speaker 2: before I read the question.

764
00:34:32,040 --> 00:34:35,800
Speaker 3: So the jump like Jordan method is just a method

765
00:34:35,920 --> 00:34:39,080
Speaker 3: that you can use to pay off your credit card

766
00:34:39,120 --> 00:34:41,399
Speaker 3: every month quickly, so it can help to raise your

767
00:34:41,400 --> 00:34:44,319
Speaker 3: credit score quickly. I say jump like Jordan because Jordan

768
00:34:44,440 --> 00:34:46,480
Speaker 3: used to jump like it just used to look it

769
00:34:46,760 --> 00:34:50,279
Speaker 3: looked unreal. And when you pay off a credit card

770
00:34:50,400 --> 00:34:53,160
Speaker 3: or any really debt in full every single month, like literally,

771
00:34:53,160 --> 00:34:54,959
Speaker 3: if you paid off your mortgage and full every single month,

772
00:34:55,160 --> 00:34:58,279
Speaker 3: you know, that would be awesome. But obviously most people

773
00:34:58,320 --> 00:35:01,360
Speaker 3: can't do that. But most people you know, are able

774
00:35:01,400 --> 00:35:03,960
Speaker 3: to pay off five bucks a month on their credit card.

775
00:35:04,600 --> 00:35:08,040
Speaker 1: And so doing that, not only are you showing, hey.

776
00:35:07,880 --> 00:35:10,759
Speaker 3: I can't pay off for debt in full, but you're

777
00:35:11,080 --> 00:35:13,240
Speaker 3: actively using your card so or your card doesn't close.

778
00:35:13,280 --> 00:35:15,440
Speaker 3: But there's something about paying off a debt in full

779
00:35:15,440 --> 00:35:17,719
Speaker 3: every month. My friend who's a bankruptcy lawyer, this is

780
00:35:17,719 --> 00:35:21,400
Speaker 3: what she suggested to her clients who just had bankruptcy

781
00:35:21,440 --> 00:35:22,520
Speaker 3: and they got their first card.

782
00:35:23,040 --> 00:35:24,759
Speaker 1: She was like, there's something about paying off a debt

783
00:35:24,800 --> 00:35:25,080
Speaker 1: and full.

784
00:35:25,160 --> 00:35:27,440
Speaker 3: It didn't matter about the amount, it was more about

785
00:35:27,440 --> 00:35:29,440
Speaker 3: the habit of paying off a debt and full that

786
00:35:29,600 --> 00:35:33,439
Speaker 3: really had an effect on your score. And so yeah,

787
00:35:33,600 --> 00:35:36,120
Speaker 3: it's just it's really critical though for the method that

788
00:35:36,640 --> 00:35:38,920
Speaker 3: you let. If you're gonna charge your card, say like

789
00:35:39,000 --> 00:35:41,560
Speaker 3: five bucks and automated. So let's just say the gym,

790
00:35:41,600 --> 00:35:43,920
Speaker 3: and the gym is ten bucks a month planet fitness,

791
00:35:44,080 --> 00:35:45,880
Speaker 3: So if you're going to charge your card and or

792
00:35:45,920 --> 00:35:48,840
Speaker 3: Planet Fitness is going to charge it automatically, that you

793
00:35:48,960 --> 00:35:51,640
Speaker 3: wait to pay it by the statement date, like or

794
00:35:51,680 --> 00:35:53,640
Speaker 3: basically the date when you actually get your statements, say

795
00:35:53,640 --> 00:35:56,520
Speaker 3: pay it now, because that means it's been recorded to

796
00:35:56,600 --> 00:35:59,080
Speaker 3: the credit bureaus. Hey, this card was used and then

797
00:35:59,080 --> 00:36:00,640
Speaker 3: you paid off in full. If you pay it off

798
00:36:00,680 --> 00:36:02,600
Speaker 3: too quickly, it looks like you never had a balance.

799
00:36:03,480 --> 00:36:05,920
Speaker 2: Okay, whoops, because I think it's about adding an authorized

800
00:36:06,000 --> 00:36:06,760
Speaker 2: user to the card.

801
00:36:07,400 --> 00:36:10,239
Speaker 3: Oh no, that's just I just call that like piggybacking,

802
00:36:10,239 --> 00:36:11,000
Speaker 3: that's what they call that.

803
00:36:11,040 --> 00:36:13,640
Speaker 2: So this is the way to improve your credit score, though,

804
00:36:13,680 --> 00:36:15,759
Speaker 2: typically is to add yourself as an authorized user, let

805
00:36:15,760 --> 00:36:19,560
Speaker 2: me let me read Takiya's question real quick. So Takiya said,

806
00:36:20,239 --> 00:36:22,840
Speaker 2: could okay, So she's talking about being added as an

807
00:36:22,840 --> 00:36:25,800
Speaker 2: authorized user to boost your credit score. She says, could

808
00:36:25,840 --> 00:36:28,480
Speaker 2: one person be added as an authorized user on a

809
00:36:28,520 --> 00:36:31,400
Speaker 2: new credit card that the primary card holder just received

810
00:36:32,160 --> 00:36:34,440
Speaker 2: to make the person who's been added as an authorized

811
00:36:34,480 --> 00:36:38,400
Speaker 2: user's credit score jump, even if it's a new credit card.

812
00:36:39,960 --> 00:36:42,279
Speaker 3: So typically the way, the best way that authories used

813
00:36:42,280 --> 00:36:44,200
Speaker 3: to look up my little sister just text me and she's.

814
00:36:44,040 --> 00:36:46,360
Speaker 1: Says, so what about that offer I use to hook up.

815
00:36:46,400 --> 00:36:47,520
Speaker 1: I'm like, oh, whatever, girl.

816
00:36:48,000 --> 00:36:50,439
Speaker 3: So typically it's in order for it to really work,

817
00:36:50,560 --> 00:36:53,239
Speaker 3: you want them to inherit good behavior or you want

818
00:36:53,239 --> 00:36:56,640
Speaker 3: to inherit good behavior previous good behavior, and so you're

819
00:36:56,680 --> 00:36:59,960
Speaker 3: wanting a card that's been used. I mean, it's not

820
00:37:00,160 --> 00:37:02,319
Speaker 3: it just doesn't make sense otherwise. I mean, yeah, you

821
00:37:02,360 --> 00:37:04,920
Speaker 3: can add them to a new card and like, or

822
00:37:05,080 --> 00:37:06,480
Speaker 3: you could be added to a new card and that

823
00:37:06,560 --> 00:37:09,040
Speaker 3: person is going to pay it off regularly, so it'll

824
00:37:09,040 --> 00:37:11,000
Speaker 3: look good for you. But if you want to see

825
00:37:11,040 --> 00:37:13,040
Speaker 3: the biggest impact, and it's not a huge impact, but

826
00:37:13,040 --> 00:37:14,719
Speaker 3: if you want to see the biggest impact, you really

827
00:37:14,719 --> 00:37:17,359
Speaker 3: want to be added to a card that already has

828
00:37:17,400 --> 00:37:20,560
Speaker 3: been used and has a good history of usage.

829
00:37:20,680 --> 00:37:22,600
Speaker 2: Oh, I didn't realize that would be that you would

830
00:37:22,640 --> 00:37:25,560
Speaker 2: be inheriting their good behavior on that card as well

831
00:37:25,600 --> 00:37:27,839
Speaker 2: as Oh I thought I always thought it was. I mean,

832
00:37:27,880 --> 00:37:30,160
Speaker 2: I just assumed I didn't actually research it, but assume

833
00:37:30,239 --> 00:37:32,200
Speaker 2: that it was just you were getting credit for their

834
00:37:32,239 --> 00:37:35,720
Speaker 2: behavior starting for when you or advocate authorized user.

835
00:37:36,040 --> 00:37:38,080
Speaker 1: No, that's what that's what makes it so great. It's

836
00:37:38,120 --> 00:37:39,520
Speaker 1: that you know and a lot of people use it.

837
00:37:39,560 --> 00:37:41,319
Speaker 3: But a lot of people use that method, but it's

838
00:37:41,360 --> 00:37:43,200
Speaker 3: not if you're looking for one hundred points that way,

839
00:37:43,600 --> 00:37:44,480
Speaker 3: that's not going to happen.

840
00:37:45,120 --> 00:37:45,319
Speaker 1: You know.

841
00:37:46,120 --> 00:37:49,399
Speaker 2: Another thing about being an authorized user is that, yes,

842
00:37:49,440 --> 00:37:50,920
Speaker 2: it can help you boost your credit, but you have

843
00:37:51,000 --> 00:37:54,480
Speaker 2: to make sure that your credit that's actually being reported

844
00:37:54,480 --> 00:37:57,480
Speaker 2: on your credit report, because not all credit card companies

845
00:37:57,560 --> 00:38:03,360
Speaker 2: actually report the credit behavior of authorized users to the bureaus.

846
00:38:04,040 --> 00:38:07,759
Speaker 2: So just double check that exactly exactly.

847
00:38:07,920 --> 00:38:10,040
Speaker 3: No, that's you always want to make sure whatever the

848
00:38:10,120 --> 00:38:11,239
Speaker 3: kind of tricks that you're using.

849
00:38:11,280 --> 00:38:12,879
Speaker 1: But both of those work really well.

850
00:38:12,880 --> 00:38:15,920
Speaker 3: Honestly, I used to jump like Jordan method when my

851
00:38:16,000 --> 00:38:18,560
Speaker 3: credit score had went down to a five forty seven

852
00:38:18,640 --> 00:38:21,960
Speaker 3: after my foreclosure. So one of the things that I

853
00:38:22,040 --> 00:38:24,880
Speaker 3: did was before my credit score went down, Like I

854
00:38:24,960 --> 00:38:26,120
Speaker 3: knew it was gonna go down. I was like, m

855
00:38:26,920 --> 00:38:28,640
Speaker 3: you find to get this house for closed upon you're

856
00:38:28,680 --> 00:38:31,680
Speaker 3: gonna lose all these points. Let me get two cards.

857
00:38:31,719 --> 00:38:33,200
Speaker 3: I had one card that I already had at zero,

858
00:38:33,200 --> 00:38:34,880
Speaker 3: and I got another one. So I did it with

859
00:38:34,920 --> 00:38:37,319
Speaker 3: two cards and paid them off in full every single month.

860
00:38:37,760 --> 00:38:41,040
Speaker 3: And it took a little over a year and some change,

861
00:38:41,800 --> 00:38:43,480
Speaker 3: but I went from the five forty seven to like

862
00:38:43,480 --> 00:38:46,480
Speaker 3: a seven fifty sixty something and now I'm at a

863
00:38:46,840 --> 00:38:49,400
Speaker 3: an a oh two despite having a foreclosure still on

864
00:38:49,440 --> 00:38:51,839
Speaker 3: my credit word because it hasn't been ten years yet.

865
00:38:52,400 --> 00:38:56,719
Speaker 2: That's awesome. Yeah, thank you guys for your excellent questions.

866
00:38:56,800 --> 00:38:57,799
Speaker 2: Always appreciate it.

867
00:38:59,000 --> 00:38:59,520
Speaker 1: Excellent.

868
00:38:59,600 --> 00:39:02,200
Speaker 3: Oh wait, before we before we leave, we got to look.

869
00:39:02,239 --> 00:39:04,080
Speaker 3: We forgot our Instagram peeps.

870
00:39:03,840 --> 00:39:05,600
Speaker 2: Right, I didn't forget. That's the next segment.

871
00:39:05,840 --> 00:39:24,799
Speaker 3: Okay, my bad time for my new part of the

872
00:39:24,920 --> 00:39:27,240
Speaker 3: new Fab part of the show. That's when we shout

873
00:39:27,239 --> 00:39:29,560
Speaker 3: you guys out and what you share with us via

874
00:39:29,640 --> 00:39:33,400
Speaker 3: Instagram or Twitter. On Instagram we are Brown Ambition Podcast

875
00:39:33,640 --> 00:39:35,200
Speaker 3: and on Twitter we.

876
00:39:35,280 --> 00:39:38,600
Speaker 1: Are at grind of the BA podcast. Oh at the

877
00:39:38,640 --> 00:39:40,080
Speaker 1: BA podcast. Look, I'm such a shame.

878
00:39:40,200 --> 00:39:42,120
Speaker 2: Can you guys go find the people who are using

879
00:39:42,160 --> 00:39:45,640
Speaker 2: these brown ambition Twitter and Instagram accounts and not using

880
00:39:45,680 --> 00:39:47,480
Speaker 2: them at all because we need them?

881
00:39:47,840 --> 00:39:48,399
Speaker 1: Yeah we do.

882
00:39:48,560 --> 00:39:52,080
Speaker 2: We deserve them anyway. So over over the weekend, it

883
00:39:52,120 --> 00:39:55,040
Speaker 2: was Mother's Day shout out to moms. So we asked

884
00:39:55,040 --> 00:39:57,560
Speaker 2: you guys. We posted on Instagram and I asked you

885
00:39:57,640 --> 00:40:00,480
Speaker 2: guys to share some lessons that your mom has taught you,

886
00:40:00,520 --> 00:40:03,680
Speaker 2: whether financial or otherwise, over the years, that have really

887
00:40:03,680 --> 00:40:06,880
Speaker 2: stuck with you. And I was really warmed my little

888
00:40:07,040 --> 00:40:09,399
Speaker 2: my little cold heart on the cold right NY Mother's

889
00:40:09,440 --> 00:40:12,200
Speaker 2: Day weekend in New York to read to read some

890
00:40:12,239 --> 00:40:14,200
Speaker 2: of the stuff you guys said. So I'm going to

891
00:40:14,239 --> 00:40:15,839
Speaker 2: read a couple Maybe, Tiff, you want to read a.

892
00:40:15,760 --> 00:40:17,920
Speaker 1: Couple two yet.

893
00:40:17,239 --> 00:40:21,239
Speaker 2: I'm going to read my favorite one. This one is

894
00:40:21,239 --> 00:40:24,120
Speaker 2: from maybe all you guys got some weird Instagram names.

895
00:40:24,160 --> 00:40:29,839
Speaker 2: This one's from instagrammer at our bun ur bona gem. Okay,

896
00:40:29,880 --> 00:40:31,799
Speaker 2: I'm going to go with that has a Jamaican flag. Okay,

897
00:40:31,800 --> 00:40:36,719
Speaker 2: hey Jamaica, she says or he says, quote who have

898
00:40:36,840 --> 00:40:39,880
Speaker 2: rob meat seek fire, which I took to mean in

899
00:40:39,960 --> 00:40:43,319
Speaker 2: all circumstances, work with what I have, seek help or

900
00:40:43,360 --> 00:40:47,359
Speaker 2: other resources to accomplish my goals. I love that one

901
00:40:47,600 --> 00:40:51,359
Speaker 2: because who have rob meat seek fire. It's like, if

902
00:40:51,400 --> 00:40:53,960
Speaker 2: you have the raw materials, you can do anything. Just

903
00:40:54,000 --> 00:40:58,680
Speaker 2: ask for help to coompisher goals. That's a wise mama

904
00:40:58,760 --> 00:40:59,200
Speaker 2: right there.

905
00:40:59,640 --> 00:41:02,080
Speaker 3: Yeah, so I'll we run. The baby can read the

906
00:41:02,080 --> 00:41:05,320
Speaker 3: other one. So girly locks, girly underscore locks. She said,

907
00:41:05,800 --> 00:41:07,279
Speaker 3: be kind of people no matter what.

908
00:41:07,360 --> 00:41:09,920
Speaker 1: Trust God. Don't leet the house without earrings. Girl. You

909
00:41:09,960 --> 00:41:13,000
Speaker 1: must know Sylvia because.

910
00:41:13,320 --> 00:41:16,200
Speaker 3: That don't leave the house without earrings. That is her

911
00:41:16,480 --> 00:41:19,040
Speaker 3: like gospel. Like if I left the house, you look

912
00:41:19,120 --> 00:41:19,560
Speaker 3: like a boy.

913
00:41:19,600 --> 00:41:22,840
Speaker 1: I'm like house. How do I love the boy? No,

914
00:41:22,920 --> 00:41:23,440
Speaker 1: but I love this.

915
00:41:24,120 --> 00:41:26,239
Speaker 3: Be kind to others no matter what. Trust God, and

916
00:41:26,239 --> 00:41:28,279
Speaker 3: don't leave the house without earrings. You've made my day

917
00:41:28,280 --> 00:41:28,719
Speaker 3: with that one.

918
00:41:29,520 --> 00:41:32,120
Speaker 2: That's too funny. There was another one like that too natural.

919
00:41:32,239 --> 00:41:34,759
Speaker 2: Nihila said, never leave the house in my pjs. I

920
00:41:34,800 --> 00:41:37,360
Speaker 2: was eleven when she passed away, but I'm always presentable

921
00:41:37,400 --> 00:41:38,160
Speaker 2: when I leave home.

922
00:41:38,600 --> 00:41:41,920
Speaker 1: Oh. I love that one too. Let's do one. Oh no,

923
00:41:42,080 --> 00:41:48,399
Speaker 1: mass see, I know. Let's see. Let's see, let's see,

924
00:41:48,440 --> 00:41:52,080
Speaker 1: let's see. Okay, I like this dining diner.

925
00:41:53,400 --> 00:41:56,000
Speaker 2: Oh diaries, you said.

926
00:41:58,760 --> 00:42:01,479
Speaker 1: Oh my god, the narrow Diaries. You've made a liar

927
00:42:01,480 --> 00:42:05,879
Speaker 1: out of me. Okay, a liar the Narrow Diaries. Oh

928
00:42:05,920 --> 00:42:06,279
Speaker 1: my god.

929
00:42:06,360 --> 00:42:09,600
Speaker 3: She said, always have the means to provide for yourself,

930
00:42:09,880 --> 00:42:13,120
Speaker 3: protect yourself financially. If you're in a relationship, make sure

931
00:42:13,120 --> 00:42:15,520
Speaker 3: you're still prioritizing your independence.

932
00:42:15,640 --> 00:42:16,520
Speaker 1: I love this.

933
00:42:17,000 --> 00:42:17,759
Speaker 2: I love that too.

934
00:42:18,280 --> 00:42:19,560
Speaker 1: Yes, oh my goodness.

935
00:42:19,600 --> 00:42:22,440
Speaker 3: So if you you know, we're gonna definitely chat you

936
00:42:22,480 --> 00:42:24,400
Speaker 3: guys out every single week.

937
00:42:25,080 --> 00:42:26,400
Speaker 1: So you can always.

938
00:42:26,040 --> 00:42:29,960
Speaker 3: Find us on on Instagram and leave us a comment,

939
00:42:30,040 --> 00:42:32,920
Speaker 3: of course, follow us Brown Ambition Podcast.

940
00:42:32,560 --> 00:42:38,160
Speaker 1: On Instagram and on Twitter. The BA podcast excellent, you

941
00:42:38,239 --> 00:42:42,320
Speaker 1: got them all right. My waiting, I was like and five.

942
00:42:44,000 --> 00:42:48,439
Speaker 2: That was a real moment. It's okay, lengthy lashes. Yeah,

943
00:42:49,880 --> 00:42:51,759
Speaker 2: going to back those eyes at the world for ninety

944
00:42:51,800 --> 00:42:55,239
Speaker 2: nine dollars. You better be just blinking a storm, I.

945
00:42:55,239 --> 00:42:58,600
Speaker 3: Mean, honestly. Meanwhile, looking exactly the same. But you know,

946
00:42:58,680 --> 00:43:01,719
Speaker 3: whatever we live, we learn, all.

947
00:43:01,719 --> 00:43:04,280
Speaker 1: Right, listeners, We will see you next week.

948
00:43:04,520 --> 00:43:06,960
Speaker 2: Until next week, we have a good month of guests

949
00:43:07,040 --> 00:43:10,720
Speaker 2: coming up. Like I mentioned, we have gail O Jennings

950
00:43:10,760 --> 00:43:14,040
Speaker 2: of Intent Manifest Intent Manifesto coming on. We have Tanya

951
00:43:14,360 --> 00:43:16,960
Speaker 2: my fab finance Rapley coming on the show to talk

952
00:43:17,000 --> 00:43:20,399
Speaker 2: about her new book, which is really exciting old friends

953
00:43:20,440 --> 00:43:22,759
Speaker 2: of how we've not had Tanya on the show in

954
00:43:22,800 --> 00:43:25,719
Speaker 2: three years. That's gonna be a fun show in a

955
00:43:25,760 --> 00:43:28,160
Speaker 2: couple of weeks. So stay telling you guys, and thank

956
00:43:28,200 --> 00:43:29,440
Speaker 2: you so much for listening.

957
00:43:30,360 --> 00:43:32,799
Speaker 1: See you next week, adios.

958
00:43:34,960 --> 00:43:35,560
Speaker 2: You know that much.

959
00:43:36,480 --> 00:43:37,759
Speaker 1: Just teasing, I'm not