WEBVTT - Ep. 128 — Beauty Confessions and Stock Moves 

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<v Speaker 1>Hey, hey, Hey, I'm back and I'm black.

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<v Speaker 2>Do you know what I I listened to this podcast.

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<v Speaker 2>Hi guys, it's Mandy around Ambition. I was listening to

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<v Speaker 2>this because I I decided that it's been you know,

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<v Speaker 2>I'm such a Broadway nerd, and I don't listen to

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<v Speaker 2>any Broadway podcast and I've been meaning to sign up

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<v Speaker 2>for some and I found I follow Broadway Black dot Com,

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<v Speaker 2>which is which is basically a blog that was started

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<v Speaker 2>to highlight you know, all twelve women people of color

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<v Speaker 2>in Broadway.

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<v Speaker 1>Which is highlights still Cynthia Erbia.

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<v Speaker 2>Oh yeah, yeah, I mean this was started. Broadway Black

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<v Speaker 2>dot Com was started years like a few years ago.

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<v Speaker 2>I want to say, at least I started following it

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<v Speaker 2>a couple of years ago. The whole but the beauty

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<v Speaker 2>of it is that Broadway has changed so much, like

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<v Speaker 2>it is so much more diverse now. There's not just

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<v Speaker 2>twelve people anymore. There's like entire shows. I saw a

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<v Speaker 2>play last week with a black Joan of Arc. Hm

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<v Speaker 2>Condola Rashad, Felicia Rashad's daughter played Joan of Arc and

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<v Speaker 2>it was it was amazing and it wasn't like the

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<v Speaker 2>hip hop version of Joan of Arc you know what

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<v Speaker 2>I mean, it was like it was just a black story. Yeah,

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<v Speaker 2>she just happened to be blackmcials.

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<v Speaker 1>Where they're like.

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<v Speaker 3>By Ford, You're like, you know, you could just say,

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<v Speaker 3>you know, this is a great car. You don't you

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<v Speaker 3>don't have to hip hip hop size it for black folks.

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<v Speaker 1>We likely all other types of music, all of it.

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<v Speaker 2>She was phenomenal. So Broadway is just becoming. So it's

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<v Speaker 2>just such a you know, there's the same theater that

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<v Speaker 2>premiered this Joan of Arc or it's called Saint Joan

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<v Speaker 2>starring Condola Rashad. The same theater is doing a play

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<v Speaker 2>this summer which I couldn't even get tickets to because

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<v Speaker 2>it's already sold out called Oh Crap, Oh Sugar in

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<v Speaker 2>My Wounds that takes place in the age of slavery

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<v Speaker 2>between slaves who are gay. So an actual like, can

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<v Speaker 2>you imagine this play getting made like five years ago.

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<v Speaker 2>It's it's amazing. So theater is just like it's so

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<v Speaker 2>I mean after not just I don't want to just

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<v Speaker 2>credit Hamilton for it, but it just feels like in

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<v Speaker 2>the years that I've lived here, in the past eight

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<v Speaker 2>or nine years, going to see Broadway shows. Something has

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<v Speaker 2>changed the past two years. Like I've never had so

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<v Speaker 2>many options for to go see shows that are written

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<v Speaker 2>by performed by people of color. And it is freaking fantastic.

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<v Speaker 1>So happy.

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<v Speaker 3>So I did something today. It was not cheap, but

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<v Speaker 3>it was my first time doing it, and said, let

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<v Speaker 3>me try I got let me know.

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<v Speaker 1>I don't, well, Mandy, you have long lashes.

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<v Speaker 3>I feel like I've got semi permanent lashes for the

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<v Speaker 3>first time.

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<v Speaker 1>And it was expensive, but I wanted to try it.

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<v Speaker 3>And because the girl who does my makeup for events

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<v Speaker 3>that if you have three or more events in a row,

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<v Speaker 3>you should just do it because in the long run,

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<v Speaker 3>it's it's less money.

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<v Speaker 1>So not something I would you like to keep up with.

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<v Speaker 3>But I have like four events in the next like

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<v Speaker 3>week and a half, and so I said, let me

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<v Speaker 3>try it.

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<v Speaker 2>And I was like slash, like a lash extension, yeah,

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<v Speaker 2>with they saw weave for your eyelashes.

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<v Speaker 3>Yeah, they well, you know how like you you've seen

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<v Speaker 3>like that, you know, like there's actually like lashes that

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<v Speaker 3>you could put on for the day. No, but they

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<v Speaker 3>actually have one that they attached to your eyelash and

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<v Speaker 3>they last for about two weeks or so like, so no,

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<v Speaker 3>it's literally it's time consuming. Actually, I was like, wow,

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<v Speaker 3>women are dedicated. It's like what literally one hair attached

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<v Speaker 3>to one of your lashes and another hair attached to another.

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<v Speaker 1>It actually looks so natural that.

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<v Speaker 3>Like I came home and I said, hey, Subpan, like,

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<v Speaker 3>you know, blinking profusely, see anything different, see anything different?

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<v Speaker 3>And he's like, uh, literally, look at me from toad

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<v Speaker 3>toad to head. Your eyebrows are dead. I'm like, sir, no,

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<v Speaker 3>I was like, my lashes he looked. He was like, oh, yeah,

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<v Speaker 3>I don't know if that's a good or bed thing.

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<v Speaker 3>Because I told her I didn't want them to look

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<v Speaker 3>I wanted them to look naturally. You know, men never

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<v Speaker 3>noticed anything, but he would know if they looked crazy.

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<v Speaker 3>So I didn't want them to look crazy, but I

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<v Speaker 3>at least wanted them to look like I had lashes,

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<v Speaker 3>because I have none.

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<v Speaker 1>But it was so expensive, Mandy. There were ninety dollars.

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<v Speaker 1>Ninety nine dollars.

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<v Speaker 3>Someone told me that that's actually not that expensive for

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<v Speaker 3>a full set, but whatever, I'm yes, and.

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<v Speaker 1>Then to fill them in. So let's you say.

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<v Speaker 3>I wanted to keep them, like, you know, keep it

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<v Speaker 3>going to fill them in every two or three weeks.

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<v Speaker 1>It's like forty bucks. I'm like, I'm not that committed.

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<v Speaker 3>But if anybody familiar with Lamb Chops play along? Are

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<v Speaker 3>you familiar with Mandy? I?

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<v Speaker 2>Yeah, I can't start it because it'll never end exactly.

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<v Speaker 1>So that little puppet had like this super First of.

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<v Speaker 2>All, why would you say you got something natural? And

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<v Speaker 2>then you're like, you know, lamb Chop the puppet because

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<v Speaker 2>instantly what I see is she had like four thick

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<v Speaker 2>dark eyelashes on her.

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<v Speaker 3>I'm like, I didn't get those, but it took. What

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<v Speaker 3>she did tell me, which I knew, is that my lashes.

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<v Speaker 2>Are hold on.

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<v Speaker 1>No.

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<v Speaker 2>Sorry, that's your example of like over to an eyelashes. Yeah,

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<v Speaker 2>lamp shop, not real Paul, not Wendy Williams, lamp stops.

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<v Speaker 2>All right, I'm with you.

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<v Speaker 1>I'm on the journey, no way.

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<v Speaker 3>So I was like really afraid that it was gonna

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<v Speaker 3>look because everybody knows me. Then they're like, I'm you know,

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<v Speaker 3>I'm slightly like a tomboy, so you know, off off

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<v Speaker 3>stage or whatever, or I'm not.

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<v Speaker 1>I don't typically wear makeup.

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<v Speaker 3>I usually like a lip gloss and mascara is more

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<v Speaker 3>than enough, and so I was like, I don't want

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<v Speaker 3>to look like, you know, basically a.

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<v Speaker 1>Lambshop of lamp shops playing a long time.

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<v Speaker 3>And so I think, I think, I mean, and you

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<v Speaker 3>girls who get glashes let me know, but I think

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<v Speaker 3>they kind of typically about one hundred and fifty dollars,

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<v Speaker 3>I think.

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<v Speaker 1>So I felt like it was a pretty good deal.

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<v Speaker 2>That's not bad. I mean my guilty pleasure speaking of group,

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<v Speaker 2>not a guilty pleasure. It's just like, wells, this is

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<v Speaker 2>the way my body is. It just likes to grow

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<v Speaker 2>hair in places where I do not want it.

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<v Speaker 1>So what I did.

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<v Speaker 2>I've been doing laser hair removal, which was always so

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<v Speaker 2>expensive I never thought I could afford it. But you

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<v Speaker 2>can get really good deals on group on for laser

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<v Speaker 2>hair removal packages, like for one hundred bucks, you'll get

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<v Speaker 2>six treatments. The only catch is that they only usually

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<v Speaker 2>offer those deals to new customers. In a city like

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<v Speaker 2>New York, there's literally a like a place I can

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<v Speaker 2>get laser hair removal on every corner. So it's not

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<v Speaker 2>hard for me to find new deals and go, you know,

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<v Speaker 2>bop around from place to place. I probably do it

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<v Speaker 2>once a year, I'll do like sub sessions. I'll be

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<v Speaker 2>good for the year. I mean, but the thing is

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<v Speaker 2>you'll do your six sessions or whatever. But it's really

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<v Speaker 2>hard to permanently stop hair growth. So real talk, ladies.

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<v Speaker 2>We're all friends here, right, So it's you know, it's

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<v Speaker 2>like an investment that I make in my I put

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<v Speaker 2>in myself like once a year to make to make

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<v Speaker 2>me happy and you know, not self conscious about little

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<v Speaker 2>fred and ginger on my chin. That's all.

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<v Speaker 1>How much does it cost?

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<v Speaker 2>Typically, God, like the actual sticker price for a treatment,

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<v Speaker 2>I'll have to look it up. It can be several

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<v Speaker 2>thousand dollars because each treatment, Yeah, because each treatment is

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<v Speaker 2>like a few hundred dollars, if not more. It depends

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<v Speaker 2>on where you're getting it, if you're gonna get your

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<v Speaker 2>entire leg done, because you need to have it. Like

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<v Speaker 2>I said, at least four to six sessions. They say

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<v Speaker 2>sometimes eight sessions. Per session, you're paying a few hundred bucks.

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<v Speaker 2>So like for a large area, for like a small

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<v Speaker 2>chin area, then there's like the medium chin area, then

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<v Speaker 2>the whole neck, and then there's like you know, the

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<v Speaker 2>bikini area. I've never done that. I don't have a

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<v Speaker 2>death wish. There's all there's all different grades of it,

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<v Speaker 2>so that's why there's those groupon deals are clutch.

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<v Speaker 1>Yeah, I can imagine, you know that. I don't know.

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<v Speaker 1>I just feel like I don't know. I feel like

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<v Speaker 1>Ebos or Nigerian's I don't know. We don't, I don't,

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<v Speaker 1>we don't know how any hair do you see?

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<v Speaker 2>Neither does any of my African room baits. I hated them.

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<v Speaker 2>They were gonna canyon for real.

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<v Speaker 3>I don't know what I'm like when I say like

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<v Speaker 3>I could probably go the whole summer and not maybe

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<v Speaker 3>I'm I might if I really really wanted to. I

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<v Speaker 3>guess I could shave my leg, but you wouldn't. The

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<v Speaker 3>difference is you can't even see, so that's what. But

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<v Speaker 3>the problem with that is that because of that, that

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<v Speaker 3>also meant I didn't have long lashes. So it's like, eh,

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<v Speaker 3>you know, so my my lack of hair like really

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<v Speaker 3>kind of like goes all the way up to like

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<v Speaker 3>my eyelashes and you know, so, I mean, I guess you.

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<v Speaker 1>Know you win some clue though, but I don't think.

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<v Speaker 2>That's a fair I mean, like I'd rather not have

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<v Speaker 2>long lashes than have to go have someone shoot a

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<v Speaker 2>laser at my face every year. So because that's what

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<v Speaker 2>it is, y'all. I'm not gonna lie. Just imagine someone

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<v Speaker 2>taking a rubber band, like your little brother, taking your

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<v Speaker 2>rubber band and just smacking you in the face for

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<v Speaker 2>fifteen minutes straight. But you know, it's worth it for

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<v Speaker 2>for society to like depend.

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<v Speaker 3>So right, like sitting and getting my eyelashes done where

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<v Speaker 3>nobody can even notice.

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<v Speaker 1>My husband was I mean Legit was like.

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<v Speaker 3>I don't, I don't know, I don't you have to

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<v Speaker 3>tell me something, what what is it? And I was like,

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<v Speaker 3>I don't know how I feel about not looking different

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<v Speaker 3>for ninety nine dollars. I thought I should be looking like,

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<v Speaker 3>I don't know, like for ninety nine dollars, I feel

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<v Speaker 3>like it should be a transformation.

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<v Speaker 2>And I'm like, well, you know, but you have to

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<v Speaker 2>do it for your see, this is what you got

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<v Speaker 2>to do it for you on the inside, to make

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<v Speaker 2>you happy. Because if you're doing it for the man,

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<v Speaker 2>who's never gonna notice. That's why I stopped buying lingerie.

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<v Speaker 1>Oh that's well, that's true.

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<v Speaker 2>Some men are into it, some men are not. I

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<v Speaker 2>learned early on it's a bad investment for some people

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<v Speaker 2>just making a sandwich, a nice sexy girl cheese sandwich.

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<v Speaker 2>Now that it is a very cheap turn on.

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<v Speaker 1>Right, Like are you hungry? Yes, yes, it's true.

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<v Speaker 2>Some guys are just not you know, like and I'm

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<v Speaker 2>telling you lingerie is not cheap. That's another like total ripoff.

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<v Speaker 2>I don't know where these companies are getting off charging

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<v Speaker 2>so much money for Like I went to a I

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<v Speaker 2>had to buy a lingerie for a bachelorette recently, like

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<v Speaker 2>where you do, Like at my bachelorette, for example, they

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<v Speaker 2>all gave you like lingerie, and then you had to

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<v Speaker 2>guess based on how trashy it was, like who gave

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<v Speaker 2>it to you? You know, shout out to Jess for

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<v Speaker 2>giving me a edible candy necklace gee string. I have

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<v Speaker 2>never used that, but anyway, I couldn't. But when I

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<v Speaker 2>went myself to go shopping, I couldn't believe like the

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<v Speaker 2>actual of like a little like you know, neglige or

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<v Speaker 2>whatever that you're probably gonna wear for like five seconds.

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<v Speaker 2>It's it's it's insane. I think it's like someone needs

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<v Speaker 2>to disrupt the lingerie. Is there, like a lingerie box?

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<v Speaker 1>Yeah, or something.

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<v Speaker 3>It's called Joyce Leslie Rainbow like those you know, like

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<v Speaker 3>the little plastic like the little cheapy like stories that

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<v Speaker 3>used to go to when you were in college it

0:10:23.120 --> 0:10:24.839
<v Speaker 3>didn't have much money, oh like.

0:10:24.840 --> 0:10:26.480
<v Speaker 2>Forever twenty one, like Real twenty one.

0:10:27.160 --> 0:10:29.200
<v Speaker 3>Yeah, that kind of thing, Like that's I mean when

0:10:29.240 --> 0:10:30.839
<v Speaker 3>I was like in my twenties, yep, I used to

0:10:30.840 --> 0:10:33.079
<v Speaker 3>go there be like, huh this has laced in.

0:10:33.040 --> 0:10:36.920
<v Speaker 2>It five for five songs from May twenty one. Yes,

0:10:37.600 --> 0:10:39.400
<v Speaker 2>fifteen year old Nandy was really into that.

0:10:41.600 --> 0:10:43.800
<v Speaker 1>Oh my god, No, but I totally agree that.

0:10:43.960 --> 0:10:47.680
<v Speaker 3>Some to me, I believe in the safe splurge method

0:10:47.880 --> 0:10:49.839
<v Speaker 3>of you know, you say, if you do what you're

0:10:49.840 --> 0:10:52.560
<v Speaker 3>supposed to do, but then because you know you are

0:10:52.559 --> 0:10:55.080
<v Speaker 3>a good steward of your money, that it's time to

0:10:55.160 --> 0:10:57.200
<v Speaker 3>kind of splurge, that you splurge without guilt.

0:10:57.280 --> 0:11:00.080
<v Speaker 1>So I say, for my splurges basically.

0:11:00.120 --> 0:11:01.880
<v Speaker 2>Yes as long but again like if you're doing it

0:11:01.920 --> 0:11:04.079
<v Speaker 2>for yourself and you feel good, then yes, do it.

0:11:04.640 --> 0:11:06.679
<v Speaker 2>That's that's that's why I get my because you know what,

0:11:06.760 --> 0:11:08.960
<v Speaker 2>I love getting my hair lasered off. It is so

0:11:09.080 --> 0:11:14.680
<v Speaker 2>self satisfying. What else happened this week? Oh shout out

0:11:14.720 --> 0:11:19.200
<v Speaker 2>to my one of my credit card writers. She pointed

0:11:19.240 --> 0:11:23.800
<v Speaker 2>out that the Supreme Court this week passed, uh, basically

0:11:24.000 --> 0:11:26.600
<v Speaker 2>struck down this long standing federal law that made it

0:11:26.640 --> 0:11:30.360
<v Speaker 2>illegal to bet across the country like in all these things.

0:11:30.800 --> 0:11:32.719
<v Speaker 1>Yes, New Jersey was pushing for that.

0:11:32.880 --> 0:11:36.520
<v Speaker 2>On sports, sorry, on sports, specifically sports betting. Yeah, so

0:11:36.600 --> 0:11:39.280
<v Speaker 2>it was like it was a New Jersey case that

0:11:39.360 --> 0:11:41.640
<v Speaker 2>went to the Supreme Court. So shout out to Chris

0:11:41.720 --> 0:11:44.679
<v Speaker 2>Christy the last one of his last Oh.

0:11:44.640 --> 0:11:47.439
<v Speaker 1>I don't know, only we recognized is.

0:11:50.280 --> 0:11:54.200
<v Speaker 2>No, Okay, I mean I recognize him. He's cute anyway,

0:11:54.400 --> 0:11:56.480
<v Speaker 2>So this means that you can doesn't mean it does

0:11:56.559 --> 0:11:58.959
<v Speaker 2>not mean that. Okay, now it is totally the Supreme

0:11:59.000 --> 0:12:01.560
<v Speaker 2>Court struck down this federal law that basically made it

0:12:01.600 --> 0:12:05.720
<v Speaker 2>illegal to bet on sports any were but Las Vegas.

0:12:05.760 --> 0:12:07.240
<v Speaker 2>But it doesn't mean that now you can just bet

0:12:07.240 --> 0:12:09.720
<v Speaker 2>on sports wherever you are across the country. What the

0:12:09.760 --> 0:12:12.360
<v Speaker 2>Supreme Court's ruling basically said was that it's not up

0:12:12.400 --> 0:12:14.959
<v Speaker 2>to the government, the federal government to decide what states

0:12:14.960 --> 0:12:17.520
<v Speaker 2>should do. So it's kicked back to the states to

0:12:17.520 --> 0:12:19.959
<v Speaker 2>make a call. So check your state rules. I'm pretty

0:12:19.960 --> 0:12:21.160
<v Speaker 2>sure this means in New Jersey.

0:12:21.720 --> 0:12:24.719
<v Speaker 3>Yeah, because they were pushing for it specifically, and all

0:12:24.720 --> 0:12:26.600
<v Speaker 3>of these betting companies were getting ready. I saw it

0:12:26.600 --> 0:12:28.000
<v Speaker 3>on the news like maybe, like I don't know, a

0:12:28.040 --> 0:12:30.480
<v Speaker 3>few days ago. So they were holding their breath hoping

0:12:30.559 --> 0:12:33.800
<v Speaker 3>that it would be a go and I guess it

0:12:33.840 --> 0:12:34.840
<v Speaker 3>is go Jersey.

0:12:34.960 --> 0:12:37.600
<v Speaker 1>I guess I mean more destroyed families. I don't know.

0:12:38.000 --> 0:12:41.000
<v Speaker 2>I don't have the stomach for betting. I am stressed

0:12:41.240 --> 0:12:42.600
<v Speaker 2>lottery tickets. I can't.

0:12:42.679 --> 0:12:43.679
<v Speaker 1>Oh.

0:12:43.720 --> 0:12:45.160
<v Speaker 3>I feel like I get stressed if I win, and

0:12:45.200 --> 0:12:47.600
<v Speaker 3>I get stressed if I lose, because if I win,

0:12:47.640 --> 0:12:48.760
<v Speaker 3>I'm like, wait, I.

0:12:48.679 --> 0:12:51.680
<v Speaker 1>Could win again. Wait no, okay, wait no wait, so yeah,

0:12:51.760 --> 0:12:54.000
<v Speaker 1>I'm not once I do my once I get one winning.

0:12:54.000 --> 0:12:56.520
<v Speaker 1>I remember a woman when I used used to teach preschool.

0:12:56.520 --> 0:12:57.880
<v Speaker 3>One of the teachers were like, do you want to

0:12:57.920 --> 0:12:59.720
<v Speaker 3>scratch off? I was like, now, she's like, I'll get

0:12:59.720 --> 0:13:01.240
<v Speaker 3>you one. I said, okay, it was a dollar, and

0:13:01.320 --> 0:13:04.079
<v Speaker 3>I won too, two dollars. And then the next day

0:13:04.120 --> 0:13:05.640
<v Speaker 3>she said, do you want to get a scratch, I'll

0:13:05.640 --> 0:13:07.400
<v Speaker 3>give you two dollars from yesterday, And for like a

0:13:07.440 --> 0:13:10.240
<v Speaker 3>week straight she went every day I won, I kept

0:13:10.240 --> 0:13:12.880
<v Speaker 3>rewinning just two dollars, and then by the end, I

0:13:12.920 --> 0:13:14.200
<v Speaker 3>was like, just give you mine. Then I think, like

0:13:14.200 --> 0:13:17.280
<v Speaker 3>the last day you know she was it didn't win anything.

0:13:17.320 --> 0:13:19.319
<v Speaker 3>So I was like, well, there you go. That and that,

0:13:19.880 --> 0:13:21.839
<v Speaker 3>my friends, is how the lottery works.

0:13:22.600 --> 0:13:25.720
<v Speaker 2>I think of how much my father, like my father's

0:13:25.720 --> 0:13:27.920
<v Speaker 2>like part back to my dad again. God, I really

0:13:27.920 --> 0:13:30.280
<v Speaker 2>need to like he needs to be on the show someday.

0:13:30.640 --> 0:13:34.120
<v Speaker 2>But the amount of money he had stuffed into the

0:13:34.160 --> 0:13:37.040
<v Speaker 2>side door of his Accura when I was a kid,

0:13:37.120 --> 0:13:40.439
<v Speaker 2>just stuffed like old lottery tickets, a lot like scratch offs.

0:13:40.520 --> 0:13:43.000
<v Speaker 2>Like all the money he just like shiffed into his

0:13:43.600 --> 0:13:45.920
<v Speaker 2>you know, the inner console of his car over the years,

0:13:45.960 --> 0:13:48.559
<v Speaker 2>I mean, probably amounted to like one hundred thousands of dollars.

0:13:48.600 --> 0:13:49.000
<v Speaker 1>It has to.

0:13:49.120 --> 0:13:51.280
<v Speaker 2>He spends so much money on this crap. But he's

0:13:51.320 --> 0:13:54.320
<v Speaker 2>still you know one day one day and maybe I'll

0:13:54.360 --> 0:13:56.319
<v Speaker 2>like bite my you know, eat my words one day.

0:13:56.320 --> 0:14:01.040
<v Speaker 2>But anyway, good for some people. Thank you for playing

0:14:01.040 --> 0:14:03.720
<v Speaker 2>the lottery because it does pay for like school scholarships.

0:14:03.720 --> 0:14:07.480
<v Speaker 2>So yeah, thank you Georgia citizens for putting me through school,

0:14:07.480 --> 0:14:10.040
<v Speaker 2>getting my tuition paid with the Hope scholarship. I appreciate that.

0:14:10.679 --> 0:14:12.959
<v Speaker 3>Yeah, you know, I was gonna say so I don't

0:14:13.000 --> 0:14:14.800
<v Speaker 3>know if you guys, like, you know, buy stocks, but

0:14:15.400 --> 0:14:16.319
<v Speaker 3>so I got I had to.

0:14:16.400 --> 0:14:17.160
<v Speaker 1>You know, did you?

0:14:17.240 --> 0:14:18.600
<v Speaker 3>I think it was you that I when I got

0:14:18.600 --> 0:14:20.080
<v Speaker 3>the robin Hood app. Was that like a couple of

0:14:20.120 --> 0:14:21.800
<v Speaker 3>years ago when you were like, hey, it's free trades.

0:14:21.960 --> 0:14:23.920
<v Speaker 1>I feel like it was you a couple.

0:14:23.720 --> 0:14:25.720
<v Speaker 2>Of years ago. It was probably like three weeks ago

0:14:26.080 --> 0:14:29.320
<v Speaker 2>when we talked about Robin up on the podcast.

0:14:29.040 --> 0:14:31.560
<v Speaker 1>Right probably, And so I really enjoyed the app.

0:14:32.000 --> 0:14:34.880
<v Speaker 3>But what I'm excited is because I bought a stock

0:14:34.880 --> 0:14:36.320
<v Speaker 3>which I'm not going to say the name of, because

0:14:36.360 --> 0:14:37.600
<v Speaker 3>you guys are going to rush and be like, oh

0:14:37.600 --> 0:14:39.840
<v Speaker 3>my god, it went down and now I'm broke. But

0:14:40.400 --> 0:14:42.880
<v Speaker 3>I bought a stock. The IPO was like, which is

0:14:42.880 --> 0:14:45.480
<v Speaker 3>the initial public offering when the stock first goes live,

0:14:45.920 --> 0:14:47.520
<v Speaker 3>was maybe like a week or so ago. It opened

0:14:47.560 --> 0:14:49.920
<v Speaker 3>at twenty nine dollars and now it's have forty five dollars.

0:14:50.000 --> 0:14:53.600
<v Speaker 3>I'm like, woohooky, So I'm feeling rich.

0:14:53.960 --> 0:14:56.160
<v Speaker 2>How many well, I guess you won't share how many

0:14:56.200 --> 0:14:58.000
<v Speaker 2>shares you bought mine.

0:14:58.000 --> 0:15:00.160
<v Speaker 3>I bought twenty four shares honestly because it's it's a

0:15:00.160 --> 0:15:02.440
<v Speaker 3>stock of something that I use all the time, and

0:15:02.520 --> 0:15:05.800
<v Speaker 3>I'm seeing this shift to like every company that I

0:15:05.840 --> 0:15:08.240
<v Speaker 3>interact with using this, and I was like, uh, this

0:15:08.320 --> 0:15:10.680
<v Speaker 3>is a no brainer. Because my sister, who's really into stocks,

0:15:10.920 --> 0:15:12.920
<v Speaker 3>kind of like emailed all the sisters and she's like, Hey,

0:15:12.960 --> 0:15:14.960
<v Speaker 3>the stock is coming up. You guys should watch. I've

0:15:14.960 --> 0:15:17.800
<v Speaker 3>been watching and waiting to see, like what's going to happen.

0:15:17.920 --> 0:15:19.520
<v Speaker 3>She's like, it's opening at twenty nine dollars, but I

0:15:19.560 --> 0:15:22.120
<v Speaker 3>feel like it's going to do much better. And sure enough,

0:15:22.200 --> 0:15:25.280
<v Speaker 3>it's like, you know, it's doing great, honestly, and so

0:15:25.320 --> 0:15:27.160
<v Speaker 3>I feel like, you know, I feel rich.

0:15:28.240 --> 0:15:30.240
<v Speaker 2>Yeah, my husband really wants to buy Spotify when it

0:15:30.280 --> 0:15:32.400
<v Speaker 2>goes public or no is it so and nose Spotify

0:15:32.600 --> 0:15:35.800
<v Speaker 2>so and knows one of those that's going public. I

0:15:35.840 --> 0:15:38.000
<v Speaker 2>actually bought my first stock on robin Hood too. This

0:15:38.040 --> 0:15:39.720
<v Speaker 2>is not a plug for robin Hood, it's just it's

0:15:39.720 --> 0:15:41.840
<v Speaker 2>free trade. So why not. I forgot I had like

0:15:41.840 --> 0:15:43.360
<v Speaker 2>a hundred bucks on there, so I was like, what

0:15:43.360 --> 0:15:45.480
<v Speaker 2>can I get for a hundred bucks? And I realized

0:15:45.560 --> 0:15:48.680
<v Speaker 2>whenever I go to Charlotte, I eat at the same restaurant,

0:15:48.680 --> 0:15:51.320
<v Speaker 2>this really delicious fast food restaurant, I mean, not Fat's

0:15:51.320 --> 0:15:53.600
<v Speaker 2>like fast casual, but it's really healthy. The food is

0:15:53.640 --> 0:15:55.360
<v Speaker 2>so good, and I'm like, man, why isn't there one

0:15:55.360 --> 0:15:57.480
<v Speaker 2>in New York City? So I started researching it and

0:15:57.520 --> 0:16:00.600
<v Speaker 2>I realized it's actually it's like a regional train chain

0:16:00.720 --> 0:16:04.320
<v Speaker 2>in the Southeast, and it's a publicly traded company. So

0:16:04.560 --> 0:16:07.200
<v Speaker 2>I ended up just buying the shares weren't that expensive.

0:16:07.240 --> 0:16:09.440
<v Speaker 2>It was like, how much was it per share? Like

0:16:09.480 --> 0:16:12.080
<v Speaker 2>thirteen dollars a share when I first bought it, and

0:16:12.080 --> 0:16:13.920
<v Speaker 2>I was like, I love this food, you know, maybe

0:16:13.960 --> 0:16:17.080
<v Speaker 2>it's an extrapot way. So I bought, like, I don't know,

0:16:17.080 --> 0:16:19.040
<v Speaker 2>however many shares you can get for a hundred bucks,

0:16:19.040 --> 0:16:21.320
<v Speaker 2>And I just checked it because you were talking about it,

0:16:21.320 --> 0:16:22.960
<v Speaker 2>and now the shares are sixteen dollars.

0:16:26.960 --> 0:16:28.400
<v Speaker 1>I had to see you, right, because we don't we

0:16:28.400 --> 0:16:30.560
<v Speaker 1>don't give stock advice. We don't.

0:16:30.640 --> 0:16:32.400
<v Speaker 2>No, no, this is literally play money, Like this is

0:16:32.400 --> 0:16:34.720
<v Speaker 2>one hundred dollars. I forgot about because I don't need

0:16:34.720 --> 0:16:36.960
<v Speaker 2>it right now, and if I lose it, you know,

0:16:37.000 --> 0:16:39.680
<v Speaker 2>that would suck. But I'm just I'm just playing around

0:16:39.720 --> 0:16:41.160
<v Speaker 2>with it. You know, it's fun. I still got my

0:16:41.200 --> 0:16:44.240
<v Speaker 2>four to one k. I know you still have a

0:16:44.320 --> 0:16:46.960
<v Speaker 2>million different you know.

0:16:46.240 --> 0:16:48.600
<v Speaker 3>Not my account coin, but yes, I have my safety accounts,

0:16:48.640 --> 0:16:51.440
<v Speaker 3>my retirement account. This is definitely money that I've literally

0:16:51.440 --> 0:16:53.880
<v Speaker 3>set aside to do this. And my dad is so cute.

0:16:53.880 --> 0:16:56.280
<v Speaker 3>He was like, because he invests like in this kind

0:16:56.280 --> 0:16:58.560
<v Speaker 3>of more a more traditional way, and so when I

0:16:58.560 --> 0:17:01.200
<v Speaker 3>told him about Robinhood, he was like, oh, you know what,

0:17:01.920 --> 0:17:03.520
<v Speaker 3>let me do it. And so I went to the

0:17:03.520 --> 0:17:05.520
<v Speaker 3>house and set him up and my mom up and

0:17:05.560 --> 0:17:08.440
<v Speaker 3>they each put three hundred dollars in and my dad's

0:17:08.520 --> 0:17:09.840
<v Speaker 3>I'm just gonna play around with this. So it's just

0:17:09.880 --> 0:17:12.560
<v Speaker 3>something fun, kind of like outside of like, you know,

0:17:12.720 --> 0:17:14.720
<v Speaker 3>because my dad has taken care of their finances, this

0:17:14.800 --> 0:17:16.480
<v Speaker 3>is just something new and fun. And I'm like, yeah,

0:17:16.560 --> 0:17:19.800
<v Speaker 3>look at Daddy on his cell phone looking at his

0:17:19.920 --> 0:17:20.480
<v Speaker 3>robin Hood.

0:17:20.880 --> 0:17:23.000
<v Speaker 2>You know what my strategy is? Maybe, you know, I

0:17:23.040 --> 0:17:25.840
<v Speaker 2>think what I've I've sort of I'm finally investing. But

0:17:25.880 --> 0:17:29.120
<v Speaker 2>it's like, after I have absorbed all of this information

0:17:29.200 --> 0:17:31.240
<v Speaker 2>for so long, like talking to different investors and like

0:17:31.240 --> 0:17:34.199
<v Speaker 2>reading different books about the psychology of investing and what

0:17:34.280 --> 0:17:36.840
<v Speaker 2>goes into it and the whole by it's very simple

0:17:36.920 --> 0:17:39.800
<v Speaker 2>like for me, I'm just following the whole Warren Buffett strategy,

0:17:39.800 --> 0:17:43.160
<v Speaker 2>which is a bilow sell high. So when I bought

0:17:43.160 --> 0:17:46.200
<v Speaker 2>that when I bought that stock last week on the

0:17:46.280 --> 0:17:48.439
<v Speaker 2>robin Hood app it's basically it's a red line if

0:17:48.440 --> 0:17:50.359
<v Speaker 2>it's been going down, and it's green if it's going up.

0:17:50.400 --> 0:17:52.159
<v Speaker 2>And at the time it was read and for me,

0:17:52.800 --> 0:17:54.760
<v Speaker 2>I'm only like, my whole thing is I want to

0:17:54.760 --> 0:17:57.720
<v Speaker 2>invest in companies when they're low, like when they've kind

0:17:57.720 --> 0:17:59.960
<v Speaker 2>of had a bad quarter or something. But you realize

0:18:00.119 --> 0:18:02.159
<v Speaker 2>you do the research and you're saying, hey, this company

0:18:02.240 --> 0:18:04.160
<v Speaker 2>has a good future ahead of it, or it's been

0:18:04.200 --> 0:18:06.000
<v Speaker 2>solid for a long time. Like I look at those

0:18:06.040 --> 0:18:09.680
<v Speaker 2>opportunities as like, oh, it's a clearance sale. It's like

0:18:09.760 --> 0:18:11.640
<v Speaker 2>one day sale. I mean, let me holler at this.

0:18:11.720 --> 0:18:15.560
<v Speaker 2>So because the the the alternative of that whole the

0:18:15.560 --> 0:18:18.600
<v Speaker 2>psychology of investing is that, Okay, it's the same thing

0:18:18.600 --> 0:18:20.879
<v Speaker 2>happened in the housing market, right everyone's buying a house

0:18:21.000 --> 0:18:23.600
<v Speaker 2>and back and through in this in the subprime lending crisis,

0:18:23.760 --> 0:18:26.719
<v Speaker 2>everyone's buying a house or you know, everyone's buying let's oh,

0:18:26.800 --> 0:18:29.440
<v Speaker 2>use Chipotle as an example. Everyone bought Chipotle stock, and

0:18:29.480 --> 0:18:32.040
<v Speaker 2>the stock just everyone flocked and the stock gets inflated

0:18:32.040 --> 0:18:35.400
<v Speaker 2>and inflated and inflated, and then something happens and there

0:18:35.400 --> 0:18:38.080
<v Speaker 2>has to be some sort of correction, like for example,

0:18:38.119 --> 0:18:40.840
<v Speaker 2>for Chipotle, the Holy Coli scare. I mean, the share

0:18:40.880 --> 0:18:44.560
<v Speaker 2>is like plummeted and having recovered that much since then

0:18:44.560 --> 0:18:47.879
<v Speaker 2>that I know of. So it's you know, you have

0:18:48.000 --> 0:18:50.600
<v Speaker 2>this herd mentality where everyone wants to get in a

0:18:50.600 --> 0:18:52.919
<v Speaker 2>good deal. That's why it's smart for you not to

0:18:52.920 --> 0:18:55.760
<v Speaker 2>be like telling everyone what you're investing in, because what

0:18:55.760 --> 0:18:58.760
<v Speaker 2>if there's a budgetiza effect. It'd be good for you,

0:18:58.800 --> 0:19:01.760
<v Speaker 2>but bad for the twenty the two hundredth person to

0:19:01.840 --> 0:19:04.119
<v Speaker 2>hear this podcast and go buy it, because one hundred

0:19:04.160 --> 0:19:05.840
<v Speaker 2>and ninety nine folks have gone and buy it, and

0:19:05.920 --> 0:19:08.480
<v Speaker 2>the shares are now going up in value because there's

0:19:08.520 --> 0:19:11.480
<v Speaker 2>this you know demand all of a sudden, and that

0:19:11.520 --> 0:19:13.840
<v Speaker 2>two hundred person is buying the stock at a way

0:19:13.920 --> 0:19:15.600
<v Speaker 2>higher price, and then what if it for all they

0:19:15.600 --> 0:19:16.280
<v Speaker 2>I have more to lose.

0:19:16.880 --> 0:19:18.919
<v Speaker 1>So interesting. I'm just because I want people to do

0:19:18.920 --> 0:19:20.679
<v Speaker 1>their I always say I'm not trying to be someone's

0:19:20.760 --> 0:19:23.320
<v Speaker 1>financial guru. I'm your financial girlfriend.

0:19:23.080 --> 0:19:24.639
<v Speaker 3>And you know, like your girlfriend's is like, oh you

0:19:24.720 --> 0:19:27.040
<v Speaker 3>like my hair. Well, girl, you know there's YouTube channel

0:19:27.040 --> 0:19:28.680
<v Speaker 3>you can learn how to do it. She's not there

0:19:28.720 --> 0:19:30.480
<v Speaker 3>to be like, come sit in my chair, I'll color

0:19:30.520 --> 0:19:33.320
<v Speaker 3>your hair for you. So it's like, no, I'm hearing

0:19:33.359 --> 0:19:35.359
<v Speaker 3>more show to like share my journey and kind of

0:19:35.400 --> 0:19:37.720
<v Speaker 3>like to share what's happening, and then for you to

0:19:37.760 --> 0:19:39.000
<v Speaker 3>take that information, do your.

0:19:38.960 --> 0:19:40.560
<v Speaker 1>Due diligence, do the work.

0:19:40.760 --> 0:19:44.160
<v Speaker 3>You really should not be following anyone blindly, but Jesus

0:19:44.240 --> 0:19:45.080
<v Speaker 3>if you're into that.

0:19:46.000 --> 0:19:48.439
<v Speaker 1>So yeah, that's why I don't share like those particulars.

0:19:48.480 --> 0:19:49.919
<v Speaker 3>You know, like there might be companies I like that

0:19:49.960 --> 0:19:52.560
<v Speaker 3>I share, but definitely not like hear my hot stock

0:19:52.680 --> 0:19:54.040
<v Speaker 3>tips because I'm like, what do I know?

0:19:55.080 --> 0:19:57.439
<v Speaker 2>That's this is a good chance to plug. One of

0:19:57.440 --> 0:19:59.280
<v Speaker 2>our guests that's coming on in a couple of weeks.

0:19:59.320 --> 0:20:02.160
<v Speaker 2>We're having an act investment guru. Well, I hate let's

0:20:02.160 --> 0:20:05.400
<v Speaker 2>not call let's not say guru. We're having a fantastic

0:20:05.400 --> 0:20:08.560
<v Speaker 2>guest joined us on the May twenty ninth show. Her

0:20:08.640 --> 0:20:13.320
<v Speaker 2>name is Gail Jennings Oburn. She may may or may

0:20:13.359 --> 0:20:15.439
<v Speaker 2>not share a publicist with someone that we both know,

0:20:16.720 --> 0:20:20.400
<v Speaker 2>but she's the founder and CEO of an organization called

0:20:20.480 --> 0:20:23.919
<v Speaker 2>Intent Manifesto and they're partnering with JP Morgan Chase right

0:20:23.960 --> 0:20:28.680
<v Speaker 2>now to educate people about investing. But Intent Manifesto, which

0:20:28.680 --> 0:20:32.200
<v Speaker 2>Gail runs, is an investment education platform, and it sort

0:20:32.200 --> 0:20:35.320
<v Speaker 2>of is centered around a new approach to investing and

0:20:35.359 --> 0:20:38.600
<v Speaker 2>trying to very much focus on women of color startups,

0:20:38.920 --> 0:20:41.720
<v Speaker 2>so helping women of color startups get funding and help

0:20:41.800 --> 0:20:44.400
<v Speaker 2>them make good investments in their companies. And so we're

0:20:44.400 --> 0:20:46.639
<v Speaker 2>going to have Gail on the show and hopefully maybe

0:20:46.640 --> 0:20:49.800
<v Speaker 2>she'll have some investment tips to share, some entrepreneurial tips

0:20:49.840 --> 0:20:53.119
<v Speaker 2>to share. If you guys want to look into Intent Manifesto,

0:20:53.240 --> 0:20:55.920
<v Speaker 2>look in to Gail. Maybe you have some questions around

0:20:55.960 --> 0:20:59.040
<v Speaker 2>investing or starting your own business and we can ask

0:20:59.080 --> 0:21:02.000
<v Speaker 2>Gale those on the show. That'd be awesome. Go ahead

0:21:02.000 --> 0:21:04.399
<v Speaker 2>and send us an email at Brown Ambition Podcast at

0:21:04.440 --> 0:21:17.840
<v Speaker 2>gmail dot com dot com.

0:21:19.040 --> 0:21:23.840
<v Speaker 1>I think it's time to boost or break Boost or

0:21:23.920 --> 0:21:25.280
<v Speaker 1>break Booster break.

0:21:26.160 --> 0:21:27.720
<v Speaker 2>It sounds like you really want to go first.

0:21:27.960 --> 0:21:31.520
<v Speaker 3>Yeah, because people on the internet could be so mean.

0:21:32.080 --> 0:21:33.960
<v Speaker 3>And I said, you know, I wasn't gonna I wasn't

0:21:33.960 --> 0:21:35.760
<v Speaker 3>gonna say anything, But I'm like, you know what, I

0:21:35.760 --> 0:21:37.480
<v Speaker 3>am gonna say anything because we have to do better,

0:21:37.880 --> 0:21:41.200
<v Speaker 3>so I have like this. It's like, oh, I guess

0:21:41.240 --> 0:21:45.600
<v Speaker 3>it's on Instagram. It's just the like an Instagram video

0:21:45.920 --> 0:21:47.560
<v Speaker 3>of like when I was on the reel talking about

0:21:47.560 --> 0:21:49.880
<v Speaker 3>credit blah blah blah, and then I'm like, hey, if

0:21:49.880 --> 0:21:51.960
<v Speaker 3>you're having trouble with credit, everyone knows that I always

0:21:51.960 --> 0:21:54.119
<v Speaker 3>do these free literature challenges.

0:21:54.640 --> 0:21:55.720
<v Speaker 1>It's been like the last four years.

0:21:55.760 --> 0:21:58.560
<v Speaker 3>So many people have been helped, right because ultimately I

0:21:58.600 --> 0:22:01.120
<v Speaker 3>started the budgetiese to to be of.

0:22:01.119 --> 0:22:03.960
<v Speaker 1>Service, right, so these videos are great. I never know.

0:22:04.119 --> 0:22:05.840
<v Speaker 3>And then I started looking in the comments and like

0:22:05.920 --> 0:22:07.440
<v Speaker 3>ninety nine percent of people are like, oh my gosh,

0:22:07.440 --> 0:22:09.040
<v Speaker 3>thank you so much, or oh my gosh, you really

0:22:09.040 --> 0:22:11.320
<v Speaker 3>helped me, or my I was able to buy a house.

0:22:11.680 --> 0:22:14.240
<v Speaker 3>But then you get like probably like one percent that

0:22:14.440 --> 0:22:17.399
<v Speaker 3>are literally telling me I should read one of the comments,

0:22:17.400 --> 0:22:17.760
<v Speaker 3>but I'm not.

0:22:18.680 --> 0:22:20.959
<v Speaker 1>You should you should budget for braces?

0:22:21.440 --> 0:22:26.480
<v Speaker 2>Oh ye when makes celebrities read mean tweets. I don't

0:22:26.560 --> 0:22:26.960
<v Speaker 2>like that.

0:22:30.040 --> 0:22:31.400
<v Speaker 3>I mean that, I'm not gonna lie that will maybe

0:22:31.440 --> 0:22:36.479
<v Speaker 3>kind of laugh a little bit, but the clever but honestly, like,

0:22:36.560 --> 0:22:40.200
<v Speaker 3>so here's the thing. It just really blows my mind

0:22:40.440 --> 0:22:44.879
<v Speaker 3>that you know, folks feel so free to like be

0:22:45.359 --> 0:22:47.400
<v Speaker 3>It's one thing to think something mean, but I feel

0:22:47.400 --> 0:22:49.359
<v Speaker 3>like it's like a whole other level to literally type it.

0:22:49.440 --> 0:22:52.920
<v Speaker 3>One woman, her name was like a some Christian centric name,

0:22:53.040 --> 0:22:57.600
<v Speaker 3>like like faithful to the Lord something like that, and

0:22:57.640 --> 0:22:59.840
<v Speaker 3>she was just like going in on me and some

0:23:00.160 --> 0:23:01.600
<v Speaker 3>and the like I said, I don't honestly, there's so

0:23:01.640 --> 0:23:03.400
<v Speaker 3>many comments. I don't always get to read all them.

0:23:03.440 --> 0:23:05.520
<v Speaker 3>And someone was like, how is your name faithful to

0:23:05.560 --> 0:23:06.000
<v Speaker 3>the Lord?

0:23:08.119 --> 0:23:08.760
<v Speaker 1>Very Christian?

0:23:09.040 --> 0:23:10.480
<v Speaker 3>And she was like, no, I'm just trying to give

0:23:10.480 --> 0:23:12.600
<v Speaker 3>her some advice so people could take her more seriously

0:23:12.880 --> 0:23:15.960
<v Speaker 3>and she can be more successful. And they're like, more seriously, ma'am,

0:23:16.000 --> 0:23:18.480
<v Speaker 3>you're watching her on National TV. I'm I think she's

0:23:18.480 --> 0:23:21.879
<v Speaker 3>here her, I think she's here. So my break is

0:23:21.960 --> 0:23:24.480
<v Speaker 3>just like, I mean, it doesn't that's honestly, this is

0:23:24.480 --> 0:23:27.120
<v Speaker 3>the first time that it's happened like that. I think

0:23:27.160 --> 0:23:28.960
<v Speaker 3>Instagram people feel a little bit more because I don't

0:23:28.960 --> 0:23:30.760
<v Speaker 3>really get that on Facebook at all, but I think

0:23:30.800 --> 0:23:33.359
<v Speaker 3>Instagram people feel a little bit more disconnected. I'm like,

0:23:33.400 --> 0:23:37.080
<v Speaker 3>you as a human being, but yeah, well here's the thing,

0:23:37.119 --> 0:23:39.879
<v Speaker 3>Like I've always considered I had braces when I was

0:23:40.480 --> 0:23:42.920
<v Speaker 3>like normal teenager, but I also have this.

0:23:42.880 --> 0:23:43.919
<v Speaker 1>Thing called tounuk thrust.

0:23:43.960 --> 0:23:47.520
<v Speaker 3>So it's similar to have to having sucking your thumb

0:23:47.560 --> 0:23:49.720
<v Speaker 3>when you're a kid, but with your thumb you can

0:23:49.800 --> 0:23:51.520
<v Speaker 3>pull like a baby's thumb out of their mouth and

0:23:51.560 --> 0:23:53.920
<v Speaker 3>be like, no, don't suck your thumb. But with tongue thrust,

0:23:54.040 --> 0:23:56.240
<v Speaker 3>it's the same kind of motion, but it's just your

0:23:56.240 --> 0:23:59.560
<v Speaker 3>tongue without the thumb, and so it's a soothing mechanism

0:23:59.600 --> 0:24:02.000
<v Speaker 3>that baby like do, like my little niece has it.

0:24:02.280 --> 0:24:04.440
<v Speaker 3>But it's very difficult to break the habit because you

0:24:04.480 --> 0:24:07.520
<v Speaker 3>can't take a tongue out. And so even now to

0:24:07.520 --> 0:24:10.119
<v Speaker 3>this day at thirty eight, like if I'm really stressed,

0:24:10.119 --> 0:24:12.920
<v Speaker 3>I won't even notice that I'm like sucking my tongue.

0:24:13.119 --> 0:24:14.880
<v Speaker 3>Or like if I go to sleep and I can't

0:24:14.920 --> 0:24:17.600
<v Speaker 3>go to sleep, literally, I still will rock myself to

0:24:17.600 --> 0:24:20.119
<v Speaker 3>sleep during that because it's something that I do up

0:24:20.480 --> 0:24:25.199
<v Speaker 3>subconsciously and as a result, like it'll push your teeth out,

0:24:25.280 --> 0:24:27.320
<v Speaker 3>there's nothing you could do about it. And even if

0:24:27.320 --> 0:24:29.959
<v Speaker 3>I were to get braces again because my teeth were

0:24:30.000 --> 0:24:33.520
<v Speaker 3>completely straight, then the tongue thrust, because your tongue is

0:24:33.520 --> 0:24:36.080
<v Speaker 3>one of the strongest muscles in your body over time

0:24:36.119 --> 0:24:38.199
<v Speaker 3>would migrate the teeth back. I mean, it's not in

0:24:38.200 --> 0:24:40.640
<v Speaker 3>your business, but I just figured I would share that

0:24:40.800 --> 0:24:43.399
<v Speaker 3>and say like, you just never know, and thank god,

0:24:43.640 --> 0:24:45.600
<v Speaker 3>honestly that I'm in a space because if this would

0:24:45.600 --> 0:24:48.040
<v Speaker 3>have caught me, I don't know in my twenties, you

0:24:48.080 --> 0:24:51.199
<v Speaker 3>know what, this would have really rocked me and been like.

0:24:51.240 --> 0:24:51.879
<v Speaker 1>Oh my god.

0:24:52.560 --> 0:24:54.480
<v Speaker 3>But instead, like I screenshot and said that the dream

0:24:54.520 --> 0:24:57.520
<v Speaker 3>or we were howling, like yo, she is so mean.

0:24:58.320 --> 0:24:59.560
<v Speaker 2>I mean, do you have a quick boost? So my

0:24:59.600 --> 0:25:01.520
<v Speaker 2>views this week it's going to be for the the

0:25:01.600 --> 0:25:04.440
<v Speaker 2>secret binders groups on Facebook. Have you heard of these?

0:25:04.960 --> 0:25:07.720
<v Speaker 2>Who you have it? Oh my god, Tiffany hasn't heard

0:25:07.720 --> 0:25:11.840
<v Speaker 2>of something egg, So let me tell you. Do you remember,

0:25:12.080 --> 0:25:14.080
<v Speaker 2>way way way back when two thousand was it two

0:25:14.080 --> 0:25:16.280
<v Speaker 2>thousand and eight or two thousand and four election when

0:25:16.320 --> 0:25:18.480
<v Speaker 2>Mitt and Romney was a candidate or he was at

0:25:18.720 --> 0:25:21.680
<v Speaker 2>early he was like a candidate for the ticket, and

0:25:21.800 --> 0:25:25.760
<v Speaker 2>at a debate, he he had this binder and he

0:25:26.040 --> 0:25:29.200
<v Speaker 2>was talking about he was defending something about his stance

0:25:29.240 --> 0:25:32.359
<v Speaker 2>of women's rights or something about women's healthcare, and he

0:25:32.480 --> 0:25:35.120
<v Speaker 2>was like, I've got my binders full of women right here,

0:25:35.160 --> 0:25:37.960
<v Speaker 2>and he just like it was like this iconicly stupid

0:25:37.960 --> 0:25:41.280
<v Speaker 2>moment that that went, that went viral, and then it

0:25:41.320 --> 0:25:43.560
<v Speaker 2>became like this thing binders full of women, Binders full

0:25:43.560 --> 0:25:45.960
<v Speaker 2>of women. And in response to that or I don't know,

0:25:46.040 --> 0:25:47.920
<v Speaker 2>I don't know when it all started, but these Facebook

0:25:47.960 --> 0:25:50.800
<v Speaker 2>groups started to crop up. Binders full of women seeking

0:25:51.400 --> 0:25:57.080
<v Speaker 2>financial jobs, Binders full of women seeking editorial jobs, bind

0:25:57.440 --> 0:26:00.560
<v Speaker 2>Binders full of women seeking marketing jobs. All these kind

0:26:00.600 --> 0:26:04.520
<v Speaker 2>of like secret Facebook groups where you could, based on

0:26:04.560 --> 0:26:09.679
<v Speaker 2>like a good shared interest, gather together and to share sources,

0:26:09.800 --> 0:26:12.520
<v Speaker 2>to share job leads, to share all kinds of stuff.

0:26:12.560 --> 0:26:16.040
<v Speaker 2>And there are these specific Binders groups that I constantly

0:26:16.160 --> 0:26:21.240
<v Speaker 2>use to recruit new writers and people for jobs, magnify

0:26:21.359 --> 0:26:23.359
<v Speaker 2>money and it like just this week I found these

0:26:23.440 --> 0:26:27.160
<v Speaker 2>three fabulous business writers through the Binders full of God,

0:26:27.160 --> 0:26:28.320
<v Speaker 2>I'm going to mess it up. I use like three

0:26:28.359 --> 0:26:32.720
<v Speaker 2>different groups. This is Binders full of finance and investing writers,

0:26:32.960 --> 0:26:37.440
<v Speaker 2>and there's also Binders full of editors seeking freelance writers

0:26:37.600 --> 0:26:39.800
<v Speaker 2>that I use sometimes, and there's there's all kinds. So

0:26:39.800 --> 0:26:41.680
<v Speaker 2>if you just go to Facebook and search for Binders,

0:26:41.840 --> 0:26:43.760
<v Speaker 2>if you're looking for a job, I'm sure there's other

0:26:43.800 --> 0:26:47.480
<v Speaker 2>types of binders groups besides just you know, job groups.

0:26:47.480 --> 0:26:50.240
<v Speaker 2>But it's it's really cool, and this is like, this

0:26:50.359 --> 0:26:52.919
<v Speaker 2>is better in a lot of ways than like posting

0:26:52.960 --> 0:26:56.080
<v Speaker 2>things on LinkedIn or sending out emails to my network,

0:26:56.119 --> 0:26:58.040
<v Speaker 2>because you'll find people that you never would have found

0:26:58.760 --> 0:27:00.840
<v Speaker 2>otherwise by going through these binds.

0:27:01.080 --> 0:27:03.680
<v Speaker 3>I love that, honestly, I've never and you know, I'm

0:27:03.680 --> 0:27:04.720
<v Speaker 3>like pop culture queen.

0:27:04.880 --> 0:27:06.720
<v Speaker 1>Well you know it's between the two of us. Anyway,

0:27:08.320 --> 0:27:10.520
<v Speaker 1>that's awesome. I mean, of course I've heard a binders

0:27:10.520 --> 0:27:11.600
<v Speaker 1>full of women, but I didn't.

0:27:11.560 --> 0:27:13.480
<v Speaker 2>Think you know more about pop culture than me. You

0:27:13.680 --> 0:27:15.920
<v Speaker 2>just made a little uh what you call it a

0:27:16.000 --> 0:27:19.520
<v Speaker 2>lamb chop reference at the top of this here show.

0:27:21.320 --> 0:27:22.800
<v Speaker 1>It's true.

0:27:22.800 --> 0:27:24.280
<v Speaker 2>I'll take you on any day.

0:27:25.320 --> 0:27:29.600
<v Speaker 1>We shouldn't. We should have a pop culture off millennial

0:27:29.720 --> 0:27:32.239
<v Speaker 1>versus one of my am I generation ex is that's

0:27:32.240 --> 0:27:34.119
<v Speaker 1>the one went right before millennial X.

0:27:34.200 --> 0:27:36.960
<v Speaker 3>Yes, your ex you know me and while about pop

0:27:36.960 --> 0:27:38.120
<v Speaker 3>culture and I'm like, wait.

0:27:38.040 --> 0:27:39.959
<v Speaker 2>What again, contradicting yourself?

0:27:41.200 --> 0:27:42.080
<v Speaker 1>Tis true? Is true?

0:27:42.119 --> 0:27:42.359
<v Speaker 2>All right?

0:27:42.359 --> 0:27:44.960
<v Speaker 3>I'm a dialard all back. No, that's honestly, I think

0:27:45.040 --> 0:27:48.320
<v Speaker 3>that's awesome. I love when one thing I really do.

0:27:48.400 --> 0:27:50.840
<v Speaker 3>I mean, although Facebook sometimes you just like, Oh Facebook,

0:27:51.119 --> 0:27:53.280
<v Speaker 3>I just love that people are able to gather around

0:27:53.280 --> 0:27:56.080
<v Speaker 3>specific topics and and really help each other. There's so

0:27:56.119 --> 0:27:59.240
<v Speaker 3>many dope amazing Facebook groups, and I'm a part of

0:27:59.280 --> 0:28:01.080
<v Speaker 3>Like I'm literally a part of a four C group.

0:28:01.320 --> 0:28:04.119
<v Speaker 3>So you know how like hair is like yeah, you know,

0:28:04.240 --> 0:28:07.160
<v Speaker 3>and so like mine is like super super super tight

0:28:07.200 --> 0:28:09.760
<v Speaker 3>tight tight curls like wild's kind of like ringlets, and

0:28:09.800 --> 0:28:12.080
<v Speaker 3>so I guess it's considered for C. And so I'm

0:28:12.080 --> 0:28:14.160
<v Speaker 3>a part of a group about how best to take

0:28:14.200 --> 0:28:16.400
<v Speaker 3>care of that kind of hair. I'm also a part

0:28:16.400 --> 0:28:18.040
<v Speaker 3>of a sister locks group because that's the kind of

0:28:18.040 --> 0:28:20.280
<v Speaker 3>locks I have, and a travel group and a Black

0:28:20.320 --> 0:28:23.640
<v Speaker 3>travel group and a Black women's travel group. So yeah,

0:28:23.760 --> 0:28:27.679
<v Speaker 3>Facebook groups that kind of hone in on specific things

0:28:27.720 --> 0:28:30.679
<v Speaker 3>and allow you to gather around that thing, you know.

0:28:30.800 --> 0:28:32.440
<v Speaker 3>And I may or may not have joined that beard

0:28:32.440 --> 0:28:34.240
<v Speaker 3>gang just for a moment, just to get my gig along,

0:28:35.359 --> 0:28:35.879
<v Speaker 3>But I'm.

0:28:35.760 --> 0:28:56.240
<v Speaker 1>Out now, Okay, you got your fix? Questions? Do we

0:28:56.280 --> 0:28:58.000
<v Speaker 1>get any good questions this week?

0:28:58.200 --> 0:29:00.160
<v Speaker 2>Got some great questions this week, you guys. If you

0:29:00.160 --> 0:29:01.800
<v Speaker 2>want to send us some questions, you can hit us

0:29:01.840 --> 0:29:05.520
<v Speaker 2>up at brandambispodcast dot com.

0:29:05.680 --> 0:29:06.520
<v Speaker 1>So at Gmail.

0:29:07.280 --> 0:29:09.360
<v Speaker 2>Well, first I was going to say the website, and

0:29:09.400 --> 0:29:13.840
<v Speaker 2>then I was going to say the Gmail address. Thank

0:29:13.880 --> 0:29:16.440
<v Speaker 2>you for reminding me. So if you want to skip

0:29:16.440 --> 0:29:18.400
<v Speaker 2>ahead and to get directly to us, you can email

0:29:18.480 --> 0:29:22.920
<v Speaker 2>us at Brandanmbispodcasts at gmail dot com. Thank you. So

0:29:22.960 --> 0:29:24.719
<v Speaker 2>there's two ways to reach us, or hit us up

0:29:24.720 --> 0:29:28.880
<v Speaker 2>on Facebook or Instagram anywhere else. I do read all

0:29:28.920 --> 0:29:30.960
<v Speaker 2>of your questions and I like to pick once we

0:29:31.040 --> 0:29:34.160
<v Speaker 2>haven't answered before. So if you have any interesting questions

0:29:34.160 --> 0:29:35.920
<v Speaker 2>you haven't heard answer on the show before, send them

0:29:35.920 --> 0:29:38.320
<v Speaker 2>on in. You never know. I love looking for questions

0:29:38.320 --> 0:29:41.320
<v Speaker 2>that I think our listeners haven't heard from before. So

0:29:41.360 --> 0:29:43.600
<v Speaker 2>without further ado, I'd like to take a question and

0:29:43.680 --> 0:29:46.160
<v Speaker 2>do let me know if you prefer to go anonymous

0:29:46.280 --> 0:29:48.120
<v Speaker 2>or buy your name, because otherwise I'll just use your

0:29:48.200 --> 0:29:50.320
<v Speaker 2>name and call you out put you on blast like

0:29:50.320 --> 0:29:54.480
<v Speaker 2>I'm about to put my listener Nicole on blast. Nicole says,

0:29:54.640 --> 0:29:56.800
<v Speaker 2>I know both of you ladies recently purchase homes with

0:29:56.840 --> 0:29:59.480
<v Speaker 2>your husband's congrats. What advice would you give to an

0:29:59.600 --> 0:30:03.400
<v Speaker 2>unreari maried couple for purchasing property together? Good idea or

0:30:03.480 --> 0:30:06.240
<v Speaker 2>bad idea. Would either of you have purchased a home

0:30:06.280 --> 0:30:08.760
<v Speaker 2>with your significant other if you were not married to them?

0:30:09.160 --> 0:30:10.040
<v Speaker 2>Thanks love the show.

0:30:12.880 --> 0:30:16.560
<v Speaker 3>So my knee jerk reaction is, oh hellll no.

0:30:19.160 --> 0:30:22.440
<v Speaker 2>So which question to buying with your to buying with

0:30:22.480 --> 0:30:23.800
<v Speaker 2>someone you're not married to, or that.

0:30:23.840 --> 0:30:25.080
<v Speaker 1>You would you have?

0:30:25.320 --> 0:30:26.160
<v Speaker 2>Would you have? Okay?

0:30:26.200 --> 0:30:26.640
<v Speaker 1>Fair enough?

0:30:26.720 --> 0:30:27.120
<v Speaker 2>Yeah?

0:30:27.160 --> 0:30:29.880
<v Speaker 3>So, because I mean, well here's why. It's just because

0:30:29.920 --> 0:30:31.480
<v Speaker 3>not to say that marriage is to end all be all,

0:30:31.520 --> 0:30:34.400
<v Speaker 3>because it's not. But like I mean, once you take

0:30:34.440 --> 0:30:36.640
<v Speaker 3>away the love part of marriage, at the end of

0:30:36.680 --> 0:30:39.680
<v Speaker 3>the day, it's literally a contract. And so it's a

0:30:39.720 --> 0:30:43.560
<v Speaker 3>contract that that that holds certain protection for both parties.

0:30:43.960 --> 0:30:48.320
<v Speaker 3>And so buying a home, it's like that's a major

0:30:48.560 --> 0:30:50.320
<v Speaker 3>Like you know, it's probably one of the most expensive

0:30:50.400 --> 0:30:52.920
<v Speaker 3>during top three most expensive things you'll do in your lifetime.

0:30:53.280 --> 0:30:57.200
<v Speaker 3>So doing so without like a contract, basically you put

0:30:57.240 --> 0:31:00.760
<v Speaker 3>yourself at risk, you know. And so if you were

0:31:00.800 --> 0:31:03.720
<v Speaker 3>going to do that, then I would put a contract

0:31:03.720 --> 0:31:07.720
<v Speaker 3>in place of what happens if we're no longer together,

0:31:07.760 --> 0:31:10.200
<v Speaker 3>I don't want this home, so I would enter into it.

0:31:10.240 --> 0:31:11.360
<v Speaker 3>If I was going to buy a home with my

0:31:11.880 --> 0:31:15.440
<v Speaker 3>non married to significant other with a literal contract in place,

0:31:15.840 --> 0:31:16.400
<v Speaker 3>saying like.

0:31:16.360 --> 0:31:20.320
<v Speaker 2>Well, those are called tenants in common I believe, Okay,

0:31:20.400 --> 0:31:22.640
<v Speaker 2>that's the name of that joint contract. Like if you

0:31:22.680 --> 0:31:24.920
<v Speaker 2>wanted to buy a property with a sibling or a

0:31:24.960 --> 0:31:28.760
<v Speaker 2>friend or okay, other that type of arrangement, but not

0:31:28.840 --> 0:31:31.600
<v Speaker 2>just what would happen if you know, you decided to

0:31:31.640 --> 0:31:34.720
<v Speaker 2>move out or you guys broke up. Also, this just

0:31:34.760 --> 0:31:38.240
<v Speaker 2>happened to someone that I know recently. She purchased a

0:31:38.960 --> 0:31:41.840
<v Speaker 2>her name was on the mortgage. She was living with

0:31:42.360 --> 0:31:45.160
<v Speaker 2>a significant other, they weren't married, and although he was

0:31:45.280 --> 0:31:48.680
<v Speaker 2>putting money toward the mortgage payment while they were together,

0:31:48.720 --> 0:31:50.320
<v Speaker 2>when they broke up, she is the only one on

0:31:50.360 --> 0:31:52.480
<v Speaker 2>the mortgage, right, so she has to all of a

0:31:52.520 --> 0:31:57.960
<v Speaker 2>sudden assume that responsibility of basically a mortgage payment doubled overnight,

0:31:58.320 --> 0:32:00.760
<v Speaker 2>and she had factored in his income when she got

0:32:00.760 --> 0:32:02.760
<v Speaker 2>the mortgage, and it became very difficult for her to

0:32:02.840 --> 0:32:05.239
<v Speaker 2>keep up with it. And meanwhile, he's like, you know,

0:32:05.960 --> 0:32:09.080
<v Speaker 2>skating away scot free because his name was not on

0:32:09.120 --> 0:32:10.880
<v Speaker 2>the mortgage. So it can go either way, Like it

0:32:10.920 --> 0:32:14.720
<v Speaker 2>could be a liability to put your you know, take

0:32:14.720 --> 0:32:16.400
<v Speaker 2>out a mortgage with someone you're not married too. I mean,

0:32:16.560 --> 0:32:18.720
<v Speaker 2>it's a liability either you're whether you're married or not.

0:32:18.760 --> 0:32:21.320
<v Speaker 2>If you're if your name's on the mortgage together, Yeah,

0:32:21.400 --> 0:32:24.040
<v Speaker 2>the same token. If you're the one living with someone

0:32:24.160 --> 0:32:26.280
<v Speaker 2>and your name is not on the deed of the

0:32:26.360 --> 0:32:29.520
<v Speaker 2>house and yet you're paying money toward their mortgage payment,

0:32:29.720 --> 0:32:33.040
<v Speaker 2>then you're not actually gonna be owed anything. Like if

0:32:33.080 --> 0:32:34.960
<v Speaker 2>they decide if you break up and they sell the

0:32:35.000 --> 0:32:37.800
<v Speaker 2>house at a profit, although you've been helping them build

0:32:37.880 --> 0:32:40.360
<v Speaker 2>equity in the home by making mortgage payments, they're not

0:32:40.400 --> 0:32:43.240
<v Speaker 2>going to owe you anything. So I would say if

0:32:43.280 --> 0:32:45.400
<v Speaker 2>you're if you're gonna do this, like do it the

0:32:45.480 --> 0:32:48.000
<v Speaker 2>right way, get that tenants and tenants in common agreement,

0:32:48.280 --> 0:32:50.720
<v Speaker 2>and make sure that you like your name's actually on

0:32:50.800 --> 0:32:53.280
<v Speaker 2>the deed so that you actually own it. Like kicking

0:32:53.280 --> 0:32:55.520
<v Speaker 2>in money, you know, for the mortgage payment does not

0:32:55.640 --> 0:32:58.600
<v Speaker 2>mean that you have any right to the home, you know,

0:32:58.640 --> 0:33:00.800
<v Speaker 2>if something, if things were to go set later on.

0:33:02.360 --> 0:33:05.040
<v Speaker 3>Then I yeah, I just it's it's very because even

0:33:05.080 --> 0:33:08.440
<v Speaker 3>before because me and Superman were living together before we

0:33:08.480 --> 0:33:11.600
<v Speaker 3>got married, and so even then we didn't really cal

0:33:11.760 --> 0:33:15.440
<v Speaker 3>mingle money that much. We had one joint savings account

0:33:15.600 --> 0:33:19.480
<v Speaker 3>that started off as our vacation account and then was

0:33:19.520 --> 0:33:23.800
<v Speaker 3>like then became our wedding account, and then because we

0:33:23.840 --> 0:33:26.280
<v Speaker 3>didn't really have a big old wedding, then became our

0:33:26.320 --> 0:33:28.440
<v Speaker 3>house account, which is what it is right now, like

0:33:28.560 --> 0:33:30.600
<v Speaker 3>house like kind of like when we buy our next

0:33:30.600 --> 0:33:34.200
<v Speaker 3>property investing account. So you know, you just have to

0:33:34.200 --> 0:33:37.240
<v Speaker 3>be mindful that, like, because even in marriage, I mean,

0:33:37.560 --> 0:33:40.320
<v Speaker 3>there's no guarantee when you're when it comes to money.

0:33:41.160 --> 0:33:43.760
<v Speaker 3>You want to kind of begin with the end in mind,

0:33:43.960 --> 0:33:45.840
<v Speaker 3>not when it comes to marriage, but when it comes

0:33:45.920 --> 0:33:48.920
<v Speaker 3>to money. And so even when it comes to your spouse,

0:33:48.960 --> 0:33:52.040
<v Speaker 3>So like, what would happen if you know, because even

0:33:52.080 --> 0:33:54.640
<v Speaker 3>with like me and Superman we have a prenuptial agreement

0:33:54.720 --> 0:33:57.040
<v Speaker 3>quite honestly, because I had the well, what would happen

0:33:57.080 --> 0:33:58.840
<v Speaker 3>if what does that kind of look like? And it's fair.

0:33:59.240 --> 0:34:01.120
<v Speaker 3>It's just like when you versus yours, mine's mine and

0:34:01.160 --> 0:34:03.160
<v Speaker 3>what's ours? We split down the middle. So it's not

0:34:03.240 --> 0:34:07.920
<v Speaker 3>some huge, you know thing, But I just wanted to

0:34:07.960 --> 0:34:10.160
<v Speaker 3>just make sure that he was protected, I was protected,

0:34:11.280 --> 0:34:14.080
<v Speaker 3>and so yeah, I would just be careful about it.

0:34:14.120 --> 0:34:16.000
<v Speaker 3>And if you're going to do it, have a contract

0:34:16.040 --> 0:34:17.000
<v Speaker 3>in place beforehand.

0:34:17.400 --> 0:34:19.000
<v Speaker 2>Yeah, interesting question. Thanks Nicole.

0:34:19.360 --> 0:34:20.200
<v Speaker 1>Yeah, great question.

0:34:21.000 --> 0:34:24.560
<v Speaker 2>Okay, so next question comes from listener to Kia. Takia

0:34:25.000 --> 0:34:28.040
<v Speaker 2>has a question about Tiffany's jump like Jordan method. Tiffany,

0:34:28.080 --> 0:34:29.960
<v Speaker 2>what is the jump like Jordan method? First of all,

0:34:30.040 --> 0:34:31.160
<v Speaker 2>before I read the question.

0:34:32.040 --> 0:34:35.800
<v Speaker 3>So the jump like Jordan method is just a method

0:34:35.920 --> 0:34:39.080
<v Speaker 3>that you can use to pay off your credit card

0:34:39.120 --> 0:34:41.399
<v Speaker 3>every month quickly, so it can help to raise your

0:34:41.400 --> 0:34:44.319
<v Speaker 3>credit score quickly. I say jump like Jordan because Jordan

0:34:44.440 --> 0:34:46.480
<v Speaker 3>used to jump like it just used to look it

0:34:46.760 --> 0:34:50.279
<v Speaker 3>looked unreal. And when you pay off a credit card

0:34:50.400 --> 0:34:53.160
<v Speaker 3>or any really debt in full every single month, like literally,

0:34:53.160 --> 0:34:54.959
<v Speaker 3>if you paid off your mortgage and full every single month,

0:34:55.160 --> 0:34:58.279
<v Speaker 3>you know, that would be awesome. But obviously most people

0:34:58.320 --> 0:35:01.360
<v Speaker 3>can't do that. But most people you know, are able

0:35:01.400 --> 0:35:03.960
<v Speaker 3>to pay off five bucks a month on their credit card.

0:35:04.600 --> 0:35:08.040
<v Speaker 1>And so doing that, not only are you showing, hey.

0:35:07.880 --> 0:35:10.759
<v Speaker 3>I can't pay off for debt in full, but you're

0:35:11.080 --> 0:35:13.240
<v Speaker 3>actively using your card so or your card doesn't close.

0:35:13.280 --> 0:35:15.440
<v Speaker 3>But there's something about paying off a debt in full

0:35:15.440 --> 0:35:17.719
<v Speaker 3>every month. My friend who's a bankruptcy lawyer, this is

0:35:17.719 --> 0:35:21.400
<v Speaker 3>what she suggested to her clients who just had bankruptcy

0:35:21.440 --> 0:35:22.520
<v Speaker 3>and they got their first card.

0:35:23.040 --> 0:35:24.759
<v Speaker 1>She was like, there's something about paying off a debt

0:35:24.800 --> 0:35:25.080
<v Speaker 1>and full.

0:35:25.160 --> 0:35:27.440
<v Speaker 3>It didn't matter about the amount, it was more about

0:35:27.440 --> 0:35:29.440
<v Speaker 3>the habit of paying off a debt and full that

0:35:29.600 --> 0:35:33.439
<v Speaker 3>really had an effect on your score. And so yeah,

0:35:33.600 --> 0:35:36.120
<v Speaker 3>it's just it's really critical though for the method that

0:35:36.640 --> 0:35:38.920
<v Speaker 3>you let. If you're gonna charge your card, say like

0:35:39.000 --> 0:35:41.560
<v Speaker 3>five bucks and automated. So let's just say the gym,

0:35:41.600 --> 0:35:43.920
<v Speaker 3>and the gym is ten bucks a month planet fitness,

0:35:44.080 --> 0:35:45.880
<v Speaker 3>So if you're going to charge your card and or

0:35:45.920 --> 0:35:48.840
<v Speaker 3>Planet Fitness is going to charge it automatically, that you

0:35:48.960 --> 0:35:51.640
<v Speaker 3>wait to pay it by the statement date, like or

0:35:51.680 --> 0:35:53.640
<v Speaker 3>basically the date when you actually get your statements, say

0:35:53.640 --> 0:35:56.520
<v Speaker 3>pay it now, because that means it's been recorded to

0:35:56.600 --> 0:35:59.080
<v Speaker 3>the credit bureaus. Hey, this card was used and then

0:35:59.080 --> 0:36:00.640
<v Speaker 3>you paid off in full. If you pay it off

0:36:00.680 --> 0:36:02.600
<v Speaker 3>too quickly, it looks like you never had a balance.

0:36:03.480 --> 0:36:05.920
<v Speaker 2>Okay, whoops, because I think it's about adding an authorized

0:36:06.000 --> 0:36:06.760
<v Speaker 2>user to the card.

0:36:07.400 --> 0:36:10.239
<v Speaker 3>Oh no, that's just I just call that like piggybacking,

0:36:10.239 --> 0:36:11.000
<v Speaker 3>that's what they call that.

0:36:11.040 --> 0:36:13.640
<v Speaker 2>So this is the way to improve your credit score, though,

0:36:13.680 --> 0:36:15.759
<v Speaker 2>typically is to add yourself as an authorized user, let

0:36:15.760 --> 0:36:19.560
<v Speaker 2>me let me read Takiya's question real quick. So Takiya said,

0:36:20.239 --> 0:36:22.840
<v Speaker 2>could okay, So she's talking about being added as an

0:36:22.840 --> 0:36:25.800
<v Speaker 2>authorized user to boost your credit score. She says, could

0:36:25.840 --> 0:36:28.480
<v Speaker 2>one person be added as an authorized user on a

0:36:28.520 --> 0:36:31.400
<v Speaker 2>new credit card that the primary card holder just received

0:36:32.160 --> 0:36:34.440
<v Speaker 2>to make the person who's been added as an authorized

0:36:34.480 --> 0:36:38.400
<v Speaker 2>user's credit score jump, even if it's a new credit card.

0:36:39.960 --> 0:36:42.279
<v Speaker 3>So typically the way, the best way that authories used

0:36:42.280 --> 0:36:44.200
<v Speaker 3>to look up my little sister just text me and she's.

0:36:44.040 --> 0:36:46.360
<v Speaker 1>Says, so what about that offer I use to hook up.

0:36:46.400 --> 0:36:47.520
<v Speaker 1>I'm like, oh, whatever, girl.

0:36:48.000 --> 0:36:50.439
<v Speaker 3>So typically it's in order for it to really work,

0:36:50.560 --> 0:36:53.239
<v Speaker 3>you want them to inherit good behavior or you want

0:36:53.239 --> 0:36:56.640
<v Speaker 3>to inherit good behavior previous good behavior, and so you're

0:36:56.680 --> 0:36:59.960
<v Speaker 3>wanting a card that's been used. I mean, it's not

0:37:00.160 --> 0:37:02.319
<v Speaker 3>it just doesn't make sense otherwise. I mean, yeah, you

0:37:02.360 --> 0:37:04.920
<v Speaker 3>can add them to a new card and like, or

0:37:05.080 --> 0:37:06.480
<v Speaker 3>you could be added to a new card and that

0:37:06.560 --> 0:37:09.040
<v Speaker 3>person is going to pay it off regularly, so it'll

0:37:09.040 --> 0:37:11.000
<v Speaker 3>look good for you. But if you want to see

0:37:11.040 --> 0:37:13.040
<v Speaker 3>the biggest impact, and it's not a huge impact, but

0:37:13.040 --> 0:37:14.719
<v Speaker 3>if you want to see the biggest impact, you really

0:37:14.719 --> 0:37:17.359
<v Speaker 3>want to be added to a card that already has

0:37:17.400 --> 0:37:20.560
<v Speaker 3>been used and has a good history of usage.

0:37:20.680 --> 0:37:22.600
<v Speaker 2>Oh, I didn't realize that would be that you would

0:37:22.640 --> 0:37:25.560
<v Speaker 2>be inheriting their good behavior on that card as well

0:37:25.600 --> 0:37:27.839
<v Speaker 2>as Oh I thought I always thought it was. I mean,

0:37:27.880 --> 0:37:30.160
<v Speaker 2>I just assumed I didn't actually research it, but assume

0:37:30.239 --> 0:37:32.200
<v Speaker 2>that it was just you were getting credit for their

0:37:32.239 --> 0:37:35.720
<v Speaker 2>behavior starting for when you or advocate authorized user.

0:37:36.040 --> 0:37:38.080
<v Speaker 1>No, that's what that's what makes it so great. It's

0:37:38.120 --> 0:37:39.520
<v Speaker 1>that you know and a lot of people use it.

0:37:39.560 --> 0:37:41.319
<v Speaker 3>But a lot of people use that method, but it's

0:37:41.360 --> 0:37:43.200
<v Speaker 3>not if you're looking for one hundred points that way,

0:37:43.600 --> 0:37:44.480
<v Speaker 3>that's not going to happen.

0:37:45.120 --> 0:37:45.319
<v Speaker 1>You know.

0:37:46.120 --> 0:37:49.399
<v Speaker 2>Another thing about being an authorized user is that, yes,

0:37:49.440 --> 0:37:50.920
<v Speaker 2>it can help you boost your credit, but you have

0:37:51.000 --> 0:37:54.480
<v Speaker 2>to make sure that your credit that's actually being reported

0:37:54.480 --> 0:37:57.480
<v Speaker 2>on your credit report, because not all credit card companies

0:37:57.560 --> 0:38:03.360
<v Speaker 2>actually report the credit behavior of authorized users to the bureaus.

0:38:04.040 --> 0:38:07.759
<v Speaker 2>So just double check that exactly exactly.

0:38:07.920 --> 0:38:10.040
<v Speaker 3>No, that's you always want to make sure whatever the

0:38:10.120 --> 0:38:11.239
<v Speaker 3>kind of tricks that you're using.

0:38:11.280 --> 0:38:12.879
<v Speaker 1>But both of those work really well.

0:38:12.880 --> 0:38:15.920
<v Speaker 3>Honestly, I used to jump like Jordan method when my

0:38:16.000 --> 0:38:18.560
<v Speaker 3>credit score had went down to a five forty seven

0:38:18.640 --> 0:38:21.960
<v Speaker 3>after my foreclosure. So one of the things that I

0:38:22.040 --> 0:38:24.880
<v Speaker 3>did was before my credit score went down, Like I

0:38:24.960 --> 0:38:26.120
<v Speaker 3>knew it was gonna go down. I was like, m

0:38:26.920 --> 0:38:28.640
<v Speaker 3>you find to get this house for closed upon you're

0:38:28.680 --> 0:38:31.680
<v Speaker 3>gonna lose all these points. Let me get two cards.

0:38:31.719 --> 0:38:33.200
<v Speaker 3>I had one card that I already had at zero,

0:38:33.200 --> 0:38:34.880
<v Speaker 3>and I got another one. So I did it with

0:38:34.920 --> 0:38:37.319
<v Speaker 3>two cards and paid them off in full every single month.

0:38:37.760 --> 0:38:41.040
<v Speaker 3>And it took a little over a year and some change,

0:38:41.800 --> 0:38:43.480
<v Speaker 3>but I went from the five forty seven to like

0:38:43.480 --> 0:38:46.480
<v Speaker 3>a seven fifty sixty something and now I'm at a

0:38:46.840 --> 0:38:49.400
<v Speaker 3>an a oh two despite having a foreclosure still on

0:38:49.440 --> 0:38:51.839
<v Speaker 3>my credit word because it hasn't been ten years yet.

0:38:52.400 --> 0:38:56.719
<v Speaker 2>That's awesome. Yeah, thank you guys for your excellent questions.

0:38:56.800 --> 0:38:57.799
<v Speaker 2>Always appreciate it.

0:38:59.000 --> 0:38:59.520
<v Speaker 1>Excellent.

0:38:59.600 --> 0:39:02.200
<v Speaker 3>Oh wait, before we before we leave, we got to look.

0:39:02.239 --> 0:39:04.080
<v Speaker 3>We forgot our Instagram peeps.

0:39:03.840 --> 0:39:05.600
<v Speaker 2>Right, I didn't forget. That's the next segment.

0:39:05.840 --> 0:39:24.799
<v Speaker 3>Okay, my bad time for my new part of the

0:39:24.920 --> 0:39:27.240
<v Speaker 3>new Fab part of the show. That's when we shout

0:39:27.239 --> 0:39:29.560
<v Speaker 3>you guys out and what you share with us via

0:39:29.640 --> 0:39:33.400
<v Speaker 3>Instagram or Twitter. On Instagram we are Brown Ambition Podcast

0:39:33.640 --> 0:39:35.200
<v Speaker 3>and on Twitter we.

0:39:35.280 --> 0:39:38.600
<v Speaker 1>Are at grind of the BA podcast. Oh at the

0:39:38.640 --> 0:39:40.080
<v Speaker 1>BA podcast. Look, I'm such a shame.

0:39:40.200 --> 0:39:42.120
<v Speaker 2>Can you guys go find the people who are using

0:39:42.160 --> 0:39:45.640
<v Speaker 2>these brown ambition Twitter and Instagram accounts and not using

0:39:45.680 --> 0:39:47.480
<v Speaker 2>them at all because we need them?

0:39:47.840 --> 0:39:48.399
<v Speaker 1>Yeah we do.

0:39:48.560 --> 0:39:52.080
<v Speaker 2>We deserve them anyway. So over over the weekend, it

0:39:52.120 --> 0:39:55.040
<v Speaker 2>was Mother's Day shout out to moms. So we asked

0:39:55.040 --> 0:39:57.560
<v Speaker 2>you guys. We posted on Instagram and I asked you

0:39:57.640 --> 0:40:00.480
<v Speaker 2>guys to share some lessons that your mom has taught you,

0:40:00.520 --> 0:40:03.680
<v Speaker 2>whether financial or otherwise, over the years, that have really

0:40:03.680 --> 0:40:06.880
<v Speaker 2>stuck with you. And I was really warmed my little

0:40:07.040 --> 0:40:09.399
<v Speaker 2>my little cold heart on the cold right NY Mother's

0:40:09.440 --> 0:40:12.200
<v Speaker 2>Day weekend in New York to read to read some

0:40:12.239 --> 0:40:14.200
<v Speaker 2>of the stuff you guys said. So I'm going to

0:40:14.239 --> 0:40:15.839
<v Speaker 2>read a couple Maybe, Tiff, you want to read a.

0:40:15.760 --> 0:40:17.920
<v Speaker 1>Couple two yet.

0:40:17.239 --> 0:40:21.239
<v Speaker 2>I'm going to read my favorite one. This one is

0:40:21.239 --> 0:40:24.120
<v Speaker 2>from maybe all you guys got some weird Instagram names.

0:40:24.160 --> 0:40:29.839
<v Speaker 2>This one's from instagrammer at our bun ur bona gem. Okay,

0:40:29.880 --> 0:40:31.799
<v Speaker 2>I'm going to go with that has a Jamaican flag. Okay,

0:40:31.800 --> 0:40:36.719
<v Speaker 2>hey Jamaica, she says or he says, quote who have

0:40:36.840 --> 0:40:39.880
<v Speaker 2>rob meat seek fire, which I took to mean in

0:40:39.960 --> 0:40:43.319
<v Speaker 2>all circumstances, work with what I have, seek help or

0:40:43.360 --> 0:40:47.359
<v Speaker 2>other resources to accomplish my goals. I love that one

0:40:47.600 --> 0:40:51.359
<v Speaker 2>because who have rob meat seek fire. It's like, if

0:40:51.400 --> 0:40:53.960
<v Speaker 2>you have the raw materials, you can do anything. Just

0:40:54.000 --> 0:40:58.680
<v Speaker 2>ask for help to coompisher goals. That's a wise mama

0:40:58.760 --> 0:40:59.200
<v Speaker 2>right there.

0:40:59.640 --> 0:41:02.080
<v Speaker 3>Yeah, so I'll we run. The baby can read the

0:41:02.080 --> 0:41:05.320
<v Speaker 3>other one. So girly locks, girly underscore locks. She said,

0:41:05.800 --> 0:41:07.279
<v Speaker 3>be kind of people no matter what.

0:41:07.360 --> 0:41:09.920
<v Speaker 1>Trust God. Don't leet the house without earrings. Girl. You

0:41:09.960 --> 0:41:13.000
<v Speaker 1>must know Sylvia because.

0:41:13.320 --> 0:41:16.200
<v Speaker 3>That don't leave the house without earrings. That is her

0:41:16.480 --> 0:41:19.040
<v Speaker 3>like gospel. Like if I left the house, you look

0:41:19.120 --> 0:41:19.560
<v Speaker 3>like a boy.

0:41:19.600 --> 0:41:22.840
<v Speaker 1>I'm like house. How do I love the boy? No,

0:41:22.920 --> 0:41:23.440
<v Speaker 1>but I love this.

0:41:24.120 --> 0:41:26.239
<v Speaker 3>Be kind to others no matter what. Trust God, and

0:41:26.239 --> 0:41:28.279
<v Speaker 3>don't leave the house without earrings. You've made my day

0:41:28.280 --> 0:41:28.719
<v Speaker 3>with that one.

0:41:29.520 --> 0:41:32.120
<v Speaker 2>That's too funny. There was another one like that too natural.

0:41:32.239 --> 0:41:34.759
<v Speaker 2>Nihila said, never leave the house in my pjs. I

0:41:34.800 --> 0:41:37.360
<v Speaker 2>was eleven when she passed away, but I'm always presentable

0:41:37.400 --> 0:41:38.160
<v Speaker 2>when I leave home.

0:41:38.600 --> 0:41:41.920
<v Speaker 1>Oh. I love that one too. Let's do one. Oh no,

0:41:42.080 --> 0:41:48.399
<v Speaker 1>mass see, I know. Let's see. Let's see, let's see,

0:41:48.440 --> 0:41:52.080
<v Speaker 1>let's see. Okay, I like this dining diner.

0:41:53.400 --> 0:41:56.000
<v Speaker 2>Oh diaries, you said.

0:41:58.760 --> 0:42:01.479
<v Speaker 1>Oh my god, the narrow Diaries. You've made a liar

0:42:01.480 --> 0:42:05.879
<v Speaker 1>out of me. Okay, a liar the Narrow Diaries. Oh

0:42:05.920 --> 0:42:06.279
<v Speaker 1>my god.

0:42:06.360 --> 0:42:09.600
<v Speaker 3>She said, always have the means to provide for yourself,

0:42:09.880 --> 0:42:13.120
<v Speaker 3>protect yourself financially. If you're in a relationship, make sure

0:42:13.120 --> 0:42:15.520
<v Speaker 3>you're still prioritizing your independence.

0:42:15.640 --> 0:42:16.520
<v Speaker 1>I love this.

0:42:17.000 --> 0:42:17.759
<v Speaker 2>I love that too.

0:42:18.280 --> 0:42:19.560
<v Speaker 1>Yes, oh my goodness.

0:42:19.600 --> 0:42:22.440
<v Speaker 3>So if you you know, we're gonna definitely chat you

0:42:22.480 --> 0:42:24.400
<v Speaker 3>guys out every single week.

0:42:25.080 --> 0:42:26.400
<v Speaker 1>So you can always.

0:42:26.040 --> 0:42:29.960
<v Speaker 3>Find us on on Instagram and leave us a comment,

0:42:30.040 --> 0:42:32.920
<v Speaker 3>of course, follow us Brown Ambition Podcast.

0:42:32.560 --> 0:42:38.160
<v Speaker 1>On Instagram and on Twitter. The BA podcast excellent, you

0:42:38.239 --> 0:42:42.320
<v Speaker 1>got them all right. My waiting, I was like and five.

0:42:44.000 --> 0:42:48.439
<v Speaker 2>That was a real moment. It's okay, lengthy lashes. Yeah,

0:42:49.880 --> 0:42:51.759
<v Speaker 2>going to back those eyes at the world for ninety

0:42:51.800 --> 0:42:55.239
<v Speaker 2>nine dollars. You better be just blinking a storm, I.

0:42:55.239 --> 0:42:58.600
<v Speaker 3>Mean, honestly. Meanwhile, looking exactly the same. But you know,

0:42:58.680 --> 0:43:01.719
<v Speaker 3>whatever we live, we learn, all.

0:43:01.719 --> 0:43:04.280
<v Speaker 1>Right, listeners, We will see you next week.

0:43:04.520 --> 0:43:06.960
<v Speaker 2>Until next week, we have a good month of guests

0:43:07.040 --> 0:43:10.720
<v Speaker 2>coming up. Like I mentioned, we have gail O Jennings

0:43:10.760 --> 0:43:14.040
<v Speaker 2>of Intent Manifest Intent Manifesto coming on. We have Tanya

0:43:14.360 --> 0:43:16.960
<v Speaker 2>my fab finance Rapley coming on the show to talk

0:43:17.000 --> 0:43:20.399
<v Speaker 2>about her new book, which is really exciting old friends

0:43:20.440 --> 0:43:22.759
<v Speaker 2>of how we've not had Tanya on the show in

0:43:22.800 --> 0:43:25.719
<v Speaker 2>three years. That's gonna be a fun show in a

0:43:25.760 --> 0:43:28.160
<v Speaker 2>couple of weeks. So stay telling you guys, and thank

0:43:28.200 --> 0:43:29.440
<v Speaker 2>you so much for listening.

0:43:30.360 --> 0:43:32.799
<v Speaker 1>See you next week, adios.

0:43:34.960 --> 0:43:35.560
<v Speaker 2>You know that much.

0:43:36.480 --> 0:43:37.759
<v Speaker 1>Just teasing, I'm not