Speaker 1: Hey, hey, hey, hey, I'm Tiffany.
Speaker 2: Fancy meeting you here?
Speaker 1: And that's Mandy.
Speaker 2: Yeah, Hi Mandy.
Speaker 1: Exactly. We are Brown Ambition. We're gonna get that right
Speaker 1: one day.
Speaker 2: Not our best intro, not our finest work.
Speaker 1: Not the finest hour. Have you been? How is your day?
Speaker 1: How was your week? Your weekend, week.
Speaker 2: And the week. It's just everything's just blurring together. I
Speaker 2: can't believe it's already February. I know, well, no, no,
Speaker 2: I mean it's March.
Speaker 1: Yeah.
Speaker 2: I'm like I'm way behind. It's going to be March
Speaker 2: like in a few days, and I'm this year is
Speaker 2: just going by too fast. I feel like I need
Speaker 2: a professional slowdown. I don't know how to accomplish that
Speaker 2: because I've never been busier, like work wise, but I
Speaker 2: feel like I can't. You know, you need to get
Speaker 2: to that point where you're like, you really can't keep
Speaker 2: up this pace much longer.
Speaker 1: Yeah. So I'm doing here.
Speaker 2: I'm trying to be self aware and feel the signs
Speaker 2: of breakish down breakdowntown, like passing the exits getting closer.
Speaker 1: Yeah, You're like, oh, there's break down, down break downtown.
Speaker 2: I think I'm like fifty miles out right now. Yeah,
Speaker 2: I need I need to I need to chill out.
Speaker 2: One thing that's that's killing me is like I need
Speaker 2: I need to desperately hire another editor to support to
Speaker 2: back up myself and then my other my editor. And
Speaker 2: it's not just me who's suffering, my managing editor too.
Speaker 2: She and I are just in the trenches together. But
Speaker 2: I'm really picky, and there aren't a ton of you know,
Speaker 2: candidates that have that are like have the right mix
Speaker 2: of everything we want, like experience and then fit and
Speaker 2: match the compensation level that we have available, et cetera,
Speaker 2: et cetera. So I'm just you know, I've just been
Speaker 2: hiring other positions and kind of this has just become
Speaker 2: the last one that's left and it's the most important one.
Speaker 2: But it's so hard. It's like you don't think about it.
Speaker 2: When you it all sounds exciting, like we're growing and
Speaker 2: you can hire a team. You know, my team was
Speaker 2: one person, you know, two people eight months ago, and
Speaker 2: now it's working on ten people and it's all super exciting.
Speaker 2: But then you have, like you have to recruit those
Speaker 2: ten people, which takes time and like imagine like train them,
Speaker 2: but then imagine all the people you have to interview
Speaker 2: before you get to the one that you want. The
Speaker 2: whole process is just so involved, and because it's so
Speaker 2: many all at once. And then I also my job
Speaker 2: responsibilities have gotten so insane. It's like I'm just reviewing
Speaker 2: applications at home after work most days, or you know,
Speaker 2: setting up like trying to do the recruitment stuff after
Speaker 2: hours and focusing on just like a it's like a
Speaker 2: it's a weird like chicken in the egg like cycle thing.
Speaker 2: I just can't get unstuck from it, like not having
Speaker 2: enough time for work, but I need an editor to work,
Speaker 2: but I can't have time. I don't have time to
Speaker 2: find the editor because I'm working so much. Like it's nuts.
Speaker 2: I'm sure, I don't know. That's just that's just where
Speaker 2: I'm at.
Speaker 1: Sorry to no I feel you, because honestly, I finally
Speaker 1: I've reached my I've reached my capacity point. And I like,
Speaker 1: there's this group I belong to called build It Well, Brand,
Speaker 1: Build and Launch It with Arsha Jones. So Arsha Rsha
Speaker 1: is a entrepreneur who she has got a number of
Speaker 1: brands like Teeth in the Trap. She also makes capital.
Speaker 1: What is that? What is that sauce in DC that
Speaker 1: especially like it's like a, oh, it's called Mumbo sauce.
Speaker 1: Have you ever had a Mumbo sauce?
Speaker 2: No, I'm still caught up on teasing the trap.
Speaker 1: Oh yeah, so tea. So she's got a whole bunch
Speaker 1: of dope brands. So she started this Facebook group, which
Speaker 1: is really awesome. It's filled with mostly brown ambition entrepreneurs
Speaker 1: and so so I like being in there. It's really inspirational.
Speaker 1: But I just like, I've been so exhausted. That Friday night,
Speaker 1: I fell asleep at like six or seven, and my friend,
Speaker 1: my best friend Linda text me was like, Hey, you
Speaker 1: want to go to this concert? But I didn't see
Speaker 1: it because I was asleep. She'd gotten free tickets to
Speaker 1: this old school concert with like onyx Bone, Thugs in Harmony,
Speaker 1: like all the people that I grew up with, like
Speaker 1: in the nineties, And I was like, but I didn't
Speaker 1: see it. So when I woke up, I was like,
Speaker 1: I can't live let to a anymore.
Speaker 2: Bottom.
Speaker 1: Yeah, that was my missing the old school web concert.
Speaker 1: I was like, you know, I could take a lot
Speaker 1: of things.
Speaker 2: What I say something is not right.
Speaker 1: So I went to the group because there's a lot
Speaker 1: of like different professional just literally every type of entrepreneur
Speaker 1: you could think of. And I posted help that I
Speaker 1: run two successful businesses, but I'm having trouble staying organized
Speaker 1: personally and professionally that like I work best with, I
Speaker 1: do work best within systems. And I have my businesses
Speaker 1: like the people who work me. They have systems, but
Speaker 1: they're only as effective as I will allow because oftentimes
Speaker 1: I'm the bottleneck, you know, where it's like, oh, it's
Speaker 1: got a pass through Tiffany, Oh well girl, good luck,
Speaker 1: you know, And so like when the system the systems
Speaker 1: we have that don't that don't require me work amazing,
Speaker 1: but the systems where I must participate, I slow everything
Speaker 1: up because I just have too many things and I
Speaker 1: just I want like a I never I'm not gonna lie.
Speaker 1: I didn't really ever really believe in like a business coach,
Speaker 1: like in the traditional sense, but I what I really
Speaker 1: am looking for is someone who knows how to help
Speaker 1: people get organized. It doesn't have to be business. I'm
Speaker 1: just talking about in my regular life. Like if I
Speaker 1: want to be really productive tomorrow, what do I need
Speaker 1: to do tonight? What do I need to do when
Speaker 1: I wake up, like, how do I organize my time
Speaker 1: in my day? That's what I'm looking for, And so
Speaker 1: I posted in there. I got a lot of great
Speaker 1: feedback and hones to say. I'm interviewing like seven or
Speaker 1: eight different kind of like productivity folks, so systems folks.
Speaker 1: So I'm excited because I was like, enough is enough, Tiffany,
Speaker 1: Like you've taken yourself as far as you could take yourself.
Speaker 1: Like I was the college kid who was like I
Speaker 1: think i'll do my paper three hours before to do
Speaker 1: or like you know, like I've always been like I
Speaker 1: just get her done, and I've been able to like
Speaker 1: bulldoze my way through, like well, you know, I've still
Speaker 1: got an A on the paper, even though now I'm
Speaker 1: having a nervous breakdown after I submitted it, you know.
Speaker 1: So I don't want to live like that anymore. So
Speaker 1: I'm excited about sharing like this coaching because I've never
Speaker 1: I've had mentors and a lot of my friends I
Speaker 1: asked questions of, but I've never had like aside from
Speaker 1: having a personal trainer, like a you know, physical personal trainer,
Speaker 1: I've never actually had like an official coach. So what
Speaker 1: are these people?
Speaker 2: So they like, help you manage your time, like more efficiently.
Speaker 1: Well, this is what I'm hoping. My takeaway is, I
Speaker 1: don't want someone who I'm going to keep forever. I
Speaker 1: want someone who is going to give me strategies of
Speaker 1: like I want someone to dissect Okay, this is what
Speaker 1: you're currently doing. Okay, got it? So how do you
Speaker 1: work best naturally? Got it? Okay, Well you know what
Speaker 1: the best thing to do is, you know, set aside
Speaker 1: three hours a day in this block and then two
Speaker 1: hours in this I don't even know, Like, I don't
Speaker 1: know what the solution is. I just want someone to
Speaker 1: help me reorganize my well just organized because I've never
Speaker 1: been organized, to really teach me those skills, because I've
Speaker 1: never had like a system. My system is just get
Speaker 1: it done. And so I would like to put some
Speaker 1: systems in place, if that makes sense. Not so much
Speaker 1: business systems. So I think a lot of the coaches
Speaker 1: were like, oh, you need business coaching, and I'm like,
Speaker 1: well maybe down the line, but essentially I need tiffany coaching,
Speaker 1: Like how do I organize my time in my day?
Speaker 1: So I'm not like, oh my god, I forgot dinner. Okay,
Speaker 1: what are we gonna eat pizza, you know, Like, how
Speaker 1: do I you know, I know, there's some things I
Speaker 1: can do the night before in the morning to make
Speaker 1: sure that I'm maximizing my time as it is. Right now,
Speaker 1: I feel like like a firefighter. I'm constantly putting out
Speaker 1: fires in emergencies, or I'm putting out fires that could
Speaker 1: have been prevented with some previous like thing I could
Speaker 1: have done. And I'm reaching capacity where I could do
Speaker 1: that before and get away with it. But I really
Speaker 1: feel like this is the last year that I have
Speaker 1: the ability to do that and get away with it.
Speaker 1: That it's starting to take a toll and I'm like exhausted,
Speaker 1: and so yeah, yeah.
Speaker 2: It's such a process the whole. It's like productivity and
Speaker 2: how you achieve it because it really just depends on
Speaker 2: like so many different factors. What works, Like you mentioned,
Speaker 2: what worked for you in college is not going to
Speaker 2: work for you, you know later on in your career as
Speaker 2: you take on more responsibilities. I found that, you know,
Speaker 2: at my company, Lending Tree, one of the things I
Speaker 2: did for us was give us some personality training, which
Speaker 2: sounds really like corny, but it's it's workplace personality it's
Speaker 2: a little bit different. It's called disc DSc training. I think,
Speaker 2: I don't know if I mentioned this before, but it
Speaker 2: actually tells you how you It helps you see how
Speaker 2: you work in the workplace, what your personality is like
Speaker 2: at work, and then how like it tells you what
Speaker 2: your weakness is and your strengths are. And basically what
Speaker 2: I found is my natural state of being, which is
Speaker 2: like very introverted and very much like task oriented and
Speaker 2: doesn't want to be bothered and just write. Basically a
Speaker 2: creative person, I just want to like write, sit in
Speaker 2: a room in the dark room with me and you
Speaker 2: know my materials and just create stuff. Does not work
Speaker 2: for a manager, like does not make a good manager.
Speaker 2: So I and it's not like that means I can't
Speaker 2: be one. It just means that I have to really think.
Speaker 2: I have to really think specifically and strategically around how
Speaker 2: I interact with my employees and then how just how
Speaker 2: I how I how I act at work, and how
Speaker 2: I present myself and communicate and put in a lot
Speaker 2: of extra effort, like even making notes for myself, like
Speaker 2: you need to get up and talk to people today.
Speaker 1: Oh okay, you need to put.
Speaker 2: Your to do like, make your to do list, but
Speaker 2: come in earlier so you can get your to do
Speaker 2: is done, so you feel like you are in a
Speaker 2: you know, relax enough state to have conversations with other people,
Speaker 2: and you're not like because otherwise, I mean, it's just
Speaker 2: it's just my personal, you know, situation at work right
Speaker 2: now is there are so many things to be done,
Speaker 2: and I can line up a list of tasks every
Speaker 2: day and never complete them all. But I can't. I
Speaker 2: can't just focus on those tasks at the you know,
Speaker 2: at the detriment of everything else, everybody else in the room,
Speaker 2: who needs something for me and who I need to be,
Speaker 2: you know, helping as an editor, working with writers, working
Speaker 2: with editors, helping them become better. Can't do that if
Speaker 2: I'm focused on what I've always been focused on, which
Speaker 2: is just what I'm doing, you know, like that.
Speaker 1: Sort of me great.
Speaker 2: When I was a reporter, Yeah, and it was my byline,
Speaker 2: That's all I cared about. But now I got ten
Speaker 2: people I need to worry about. So it's that switch
Speaker 2: for me and doing that training in December, and if
Speaker 2: there's and I'm doing another I'm just doing all these
Speaker 2: trainings now, which it's just on like leadership and things
Speaker 2: I'm doing one March fifth, it's specific to women in media,
Speaker 2: but I'm sure there's other like now that i'm looking
Speaker 2: for it, there's so many of these seminars. Yeah, and
Speaker 2: I like in person stuff, but seminars coaching, these types
Speaker 2: of resources that are meant to help do exactly what
Speaker 2: you're talking about, Like how do I make my life
Speaker 2: and career like work and how can I you know, adjust,
Speaker 2: Like I know who I am as a person, but
Speaker 2: how do I improve on it to be better as
Speaker 2: a business woman or as a because I was just like.
Speaker 1: It's like a mix. It's like I want to honor
Speaker 1: who I am as a person, but I also don't
Speaker 1: want to get stuck well this is how I am.
Speaker 1: It's like, well that's not good right there, you know,
Speaker 1: And so so I'm just I'm curious. I'm really going
Speaker 1: to remain like I'll share the process with you guys.
Speaker 1: I'm going to remain open to like different, you know,
Speaker 1: like ways of being because I feel like it's like
Speaker 1: what you said about how you your personality was perfectly
Speaker 1: suited at that moment when you're a reporter. I feel
Speaker 1: like that the way I am got me here, but
Speaker 1: the way I am is keeping me here, yeah, you know,
Speaker 1: And so I'm just like, this is so it's hard
Speaker 1: because I don't like, I'm not working for someone, so
Speaker 1: this is my own personal development. So it took a
Speaker 1: moment to figure out what am I supposed to do next?
Speaker 1: I don't you know where am I supposed to go?
Speaker 1: So I was like, well, you know, the best thing
Speaker 1: to start off with is just kind of reach out
Speaker 1: and say help, because I'm not even sure what kind
Speaker 1: of coach I'm supposed to be looking for. But I
Speaker 1: feel like with I have like literally, like I said,
Speaker 1: eight interviews, maybe like two or three tomorrow, and I
Speaker 1: want to start in March. So I'm trying to kind
Speaker 1: of like have fifteen to twenty minute chats with everyone
Speaker 1: to get an understanding of the process and so they
Speaker 1: can get an understanding of me. So I'm excited though,
Speaker 1: honestly because I someone was like, are you being too
Speaker 1: hard on yourself? And I have to reflect and I
Speaker 1: said no, because I don't think I'm not like you're
Speaker 1: a bad persponctivity because you're not organized. I mean, I've
Speaker 1: always been a mess, so not in a bad way.
Speaker 1: But that's just kind of like, oh, like my room's
Speaker 1: messy right now. Like poor Superman he's super neat and
Speaker 1: I'm not. But it doesn't to me. It's not a
Speaker 1: condemnation of my character. It's just like I recognize, Okay,
Speaker 1: like you been able to kind of skirt around this
Speaker 1: kind of like messiness, but now it's starting to still
Speaker 1: over to the other part. And if you want to
Speaker 1: have kids and enter that into the mixed child, good luck.
Speaker 1: You know.
Speaker 2: Yeah, you mentioned earlier you called it a personal developments
Speaker 2: That's exactly what I did during that training in December.
Speaker 2: They made us do a personal development plan, and I
Speaker 2: think that's so important. Ye It's like you said, it's
Speaker 2: not a negative thing about you, but it's like a
Speaker 2: recognition that you have room to grow. And I feel
Speaker 2: like the big mistake a lot of people make because
Speaker 2: they don't they don't reach for they don't reach out
Speaker 2: and try to improve themselves personally, especially young managers.
Speaker 1: I've had.
Speaker 2: One of my driving forces is that I've had a
Speaker 2: young boss. You know, I'm only thirty years old and
Speaker 2: I manage people who are older than me. And I've
Speaker 2: had the young boss and who doesn't who wants to
Speaker 2: to not or even an older boss too, who doesn't
Speaker 2: want to focus on themselves, and how you know, just
Speaker 2: sort of gets in a place of power and is like, well,
Speaker 2: it's my way or the highway, and that's not good
Speaker 2: for you, and it doesn't it doesn't endear you to
Speaker 2: any of your workers. Probably they're just talking smack about you.
Speaker 1: Yeah.
Speaker 2: So, and even if you're you know, lending Tree, they
Speaker 2: gave me that training and that was cool. But I
Speaker 2: think if you're working for a company the same way
Speaker 2: I did, you can still look for those types of
Speaker 2: opportunities on your own and you know whether your company
Speaker 2: will cover or not. You won't know unless you ask
Speaker 2: a lot of our since I since I checked our
Speaker 2: listeners survey results, I know a lot of our listeners,
Speaker 2: like the vast majority are working full time for employers,
Speaker 2: So you know, if it's something, even if you're not
Speaker 2: a manager or you want to just be more productive
Speaker 2: in your role, I think you should definitely consider looking
Speaker 2: up on your own some training seminars whatever that fit
Speaker 2: your fit your job and will make you more productive,
Speaker 2: and then taking that proposal to your boss making a
Speaker 2: case for it. One of the things that I after
Speaker 2: the experience I had at at the at my the
Speaker 2: seminar I did in December at the Pointer Institute I
Speaker 2: worked on with my with my mom, with my boss
Speaker 2: rather my mom, well your boss to my boss, my
Speaker 2: other boss, my other boss to institute of policy. Now,
Speaker 2: so every because we didn't have one, you know, we
Speaker 2: didn't have a policy on how much you could spend
Speaker 2: on professional development. And so now everyone on my team
Speaker 2: can spend a thousand dollars a year and get for
Speaker 2: one of the like a conference or a seminar or something,
Speaker 2: and you know, with approval. And everyone was just so thrilled,
Speaker 2: and you know that I love that.
Speaker 1: I'm going to do that. I'm stealing that for the business.
Speaker 2: Okay, but do it for yourself too.
Speaker 1: I'm not, Yeah, I'm not. I'm not thinking about a
Speaker 1: thousand dollars now. You know, we got to slow down.
Speaker 1: But I think because one of my hey shout out
Speaker 1: to Logan, one of my Unicorn squad members that's what
Speaker 1: we call ourselves, like the team, she was like, I'm
Speaker 1: taking this course on. She does a lot of copy
Speaker 1: writing and it's fairly new for her, but she's really
Speaker 1: good at it. She has a natural knack. And she
Speaker 1: was just the other day saying, I'm taking this course
Speaker 1: on copywriting. I'm super excited, and I thought, wow, I
Speaker 1: love that there was this initiative to say I have
Speaker 1: a natural knack, but I want to really understand the
Speaker 1: art of this, so let me and so I think, oh,
Speaker 1: that's awesome. Honestly, I love having that set aside budget.
Speaker 1: I feel like the team, Hey, you know, Quorn Squad
Speaker 1: were bringing it because they listen. Unlike my family and
Speaker 1: my friends, whatever, everybody and no one else listens, but
Speaker 1: you know, Corn Squad listen. So I definitely think that
Speaker 1: that's an awesome idea. We're definitely going to implement that
Speaker 1: that you can choose some you know, like to invest
Speaker 1: in yourself and the company will pay for it up
Speaker 1: to a certain amount. I think that's a great idea. Yes, okay,
Speaker 1: so look just wait, by this time, I'm going to
Speaker 1: be so organized. But I'm just you know, I'll be.
Speaker 2: Better work in progress, yes always.
Speaker 1: Oh and so well, no, I was gonna say nothing
Speaker 1: major aside from like the usual.
Speaker 2: I have my house update. Oh yes, my journey as
Speaker 2: a homeowner. Gosh, I don't think I've mentioned it since
Speaker 2: the first time, and I said we were just getting
Speaker 2: a house, but basically we're we're under contract. Things are
Speaker 2: going ridiculously smoothly. I'm just waiting for the other foot
Speaker 2: to like, I'm just so nervous about the whole process.
Speaker 2: I'm like, so, where is the as best does? I
Speaker 2: don't No, things are going Things are going pretty well.
Speaker 2: We did have a couple of hiccups that I wanted
Speaker 2: to share real quick, just with my learning experience, So
Speaker 2: I don't know if I mean if you if so.
Speaker 2: Basically I've written about this the mortgage industry. I know
Speaker 2: all these things intellectually, but actually being in it, I
Speaker 2: didn't factor in like the emotions of the home ownership
Speaker 2: process and how I would like make mistakes because I
Speaker 2: just got emotional about stuff. So one example early on
Speaker 2: is that basically we had put in our offer, it
Speaker 2: was accepted, and I was comparing trying to compare loan
Speaker 2: offers from three different lenders, which was my number three
Speaker 2: or four different lenders at the time, and I finally
Speaker 2: got the rate that I wanted, and the person on
Speaker 2: the phone at the lender we ended up going with
Speaker 2: was like, well, do you want to lock it in
Speaker 2: for you. I can lock it in for you right now.
Speaker 2: And of course I was like yes, because if you're
Speaker 2: paying attention, mortgage rates are rising every hour every day.
Speaker 2: It seems like right now, still a lot lower than
Speaker 2: they happen historically, but they are rising, and every time
Speaker 2: they rise, it gets more expensive to borrow. So I
Speaker 2: was like, yes, lock in my rate. And I know
Speaker 2: what a rate lock is. It just means that they're
Speaker 2: gonna give you that rate and no matter if rates
Speaker 2: go up or not, they're going to you have this
Speaker 2: rate guaranteed. Right What I forgot about is that rate
Speaker 2: locks expire, okay, and if they expire before closing date,
Speaker 2: then you may have to pay to extend that rate lock.
Speaker 2: So I just got all caught up. I was locked
Speaker 2: in the rate and then that was before I even
Speaker 2: got my loan contract, right, okay. Cool. So the loan
Speaker 2: contract comes and the closing data set for April tenth,
Speaker 2: which is twenty days later than the rate lock was
Speaker 2: set for, and I had to do a little backpedaling
Speaker 2: and some sweet talking, you know, some like just being
Speaker 2: really nice, and I had to go back to the
Speaker 2: lender and explain what had happened. And just tell them
Speaker 2: I was confused. I kind of you know, I'm like,
Speaker 2: it's my first home. I don't know, it's a mistake,
Speaker 2: and great, like thank goodness, the bank agreed to extend
Speaker 2: the rate lock for free, essentially off which saved me
Speaker 2: potentially thousands of dollars because sometimes they charge you a
Speaker 2: percentage of your total loans they do.
Speaker 1: I've done it. Oh yeah, first pay well my very
Speaker 1: first house. Like the rates were ridiculously low there. It
Speaker 1: was like three point something or something like two points something,
Speaker 1: I don't remember, but I locked in the rate and
Speaker 1: I same thing, super eager, did it super early. It
Speaker 1: was a pretty smooth process like you're having now. But
Speaker 1: still it's not like I closed in like you know,
Speaker 1: like thirty days and so I ended up paying whatever
Speaker 1: the percentage was. It wasn't a whole lot of money,
Speaker 1: but to extend the rate lock. So I've been girl,
Speaker 1: did all the house things.
Speaker 2: I'm just learning.
Speaker 1: I feel that that, Like I feel like frank and signed,
Speaker 1: like I gotta go through all of the trials and
Speaker 1: tribulations in order for everybody to see the light. I'm like,
Speaker 1: why do I have to learn? I said frankly, sign
Speaker 1: that's not the analogy I met, but I just work, Yeah,
Speaker 1: that like every financial mistake out there, I've made just
Speaker 1: about all of them, or every like hard financial lesson.
Speaker 1: And then I'm like, I'm here to tell the tale.
Speaker 1: But no, that's awesome that they let you do that
Speaker 1: and extend that, because you're right, that's going to save
Speaker 1: you so much money in the long run, because you're
Speaker 1: getting it said, are you guys doing a thirty year
Speaker 1: or fifteen.
Speaker 2: Year, thirty year but it ain't gonna be thirty years. Yeah,
Speaker 2: I told you my plan. I saw that amorte She's
Speaker 2: Louise amortization schedule, and I'm like, yeah, it's my my
Speaker 2: amortization schedule. So this tells you basically how much you'll
Speaker 2: pay toward interest over the lifetime of your loan versus
Speaker 2: principle because they like front load the interest payments, so
Speaker 2: most of your early mortgage payments go toward the interest,
Speaker 2: which I knew again intellectually, but then seeing my own
Speaker 2: mortgage laid out for me, like I was five, in
Speaker 2: five years, I was going to pay one hundred and
Speaker 2: thirty three thousand dollars in interest and only thirty three
Speaker 2: thousand dollars and principle, and over the course of my loan,
Speaker 2: my effective interest rate would be seventy eight percent. Basically
Speaker 2: seventy eight percent of my loan balance I would pay
Speaker 2: on top of it an interest. They give you this
Speaker 2: in the loan disclosure, if you read your loan disclosure closely. Now,
Speaker 2: the new fancy ones that they had to roll out
Speaker 2: after the recession, they tell you all the business and
Speaker 2: I read it and I was like, oh Jesus Christ.
Speaker 2: So my plan is to actually make it a fifteen
Speaker 2: year mortgage, but I want the flexibility of a thirty
Speaker 2: year mortgage just in case something happens and you know,
Speaker 2: God forbid and we won't be able to afford our
Speaker 2: mortgage payments. I won't be you know, fifteen year mortgage
Speaker 2: would effectively double my payment and I don't want to
Speaker 2: be stuck with that for fifteen years. So I plan on, yeah,
Speaker 2: paying it off a lot sooner.
Speaker 1: Yeah.
Speaker 2: I brought up the appraisal because one of the things
Speaker 2: that I've you know, we've talked about a lot and
Speaker 2: written about in the mortgage industry right now, is like
Speaker 2: and a lot of in quite a few markets, not
Speaker 2: every housing market, but demand is so high and housing
Speaker 2: supply is so low that in a lot of cases
Speaker 2: people are buying houses like there's bidding moors to get
Speaker 2: these houses, right, and people are buying houses that are
Speaker 2: actually worth more than their praise value. And it's actually
Speaker 2: more common that you might think. And that was one
Speaker 2: of the concerns I had right buying and perching purchasing
Speaker 2: a house in in the in the area of New
Speaker 2: York where I bought it was I really wanted to
Speaker 2: be sure that we weren't spending more than we needed to.
Speaker 2: So we actually went in sixty dollars well ended up
Speaker 2: getting the house for sixty underlisting price. The sellers dropped it,
Speaker 2: and then we went in low in our in our
Speaker 2: bid ten k below asking, but and then we were fine.
Speaker 2: We had like a verbal agreement, right. But then a
Speaker 2: weekend passed by, and you know, we had done our inspection.
Speaker 2: Then a week a weekend passed by in between, and
Speaker 2: then on that Monday, we got a call saying that
Speaker 2: another another person or buyer had put in an offer
Speaker 2: at asking, which I at the time thought was a
Speaker 2: little bit higher based on the inspection and stuff. But
Speaker 2: they liked us, and so they gave us an opportunity
Speaker 2: to match their offer at asking, and we went in
Speaker 2: at asking, which was ten k more than what we
Speaker 2: originally went in for. And at the time, I was
Speaker 2: like a little I felt uncomfortable because I was like, man,
Speaker 2: I just we did the inspection. It wasn't terrible, but
Speaker 2: there are things we have to do and that I
Speaker 2: know are definitely you know, I was, I was really
Speaker 2: eager to have that ten thousand dollars cushion, you know
Speaker 2: what I mean. I mean I have more than that,
Speaker 2: but just know that I was getting it for ten
Speaker 2: thousand dollars less made me feel good inside. But we
Speaker 2: went into asking and you know, it was fine. And
Speaker 2: then the appraisal came in. So the appraisal happened by
Speaker 2: the lender, our lender, we're using a lender. We paid
Speaker 2: for it, but they hired an appraisal company and sent
Speaker 2: them out to appraise the house, and the appraisal ended
Speaker 2: up coming in five thousand dollars less than our purchase press.
Speaker 2: It was my That's what I said. So in that situation,
Speaker 2: are what we had heard is that this happened so common.
Speaker 2: And our lawyer was like, well, in a lot of cases,
Speaker 2: you just meet them in the middle. So basically they
Speaker 2: would agree to drop the price twenty five hundred and
Speaker 2: we would have to come out of pocket an additional
Speaker 2: twenty five hundred to because basically the bank is not
Speaker 2: going to give us some mortmage for less the house
Speaker 2: is worth, right, Yeah, So it's really important to know that,
Speaker 2: Like if the house comes in under, you know, under
Speaker 2: the purchase price, you've got to basically come up with
Speaker 2: the cash if you don't have it. And it was
Speaker 2: you know, only five thousand dollars. But I'm sitting here
Speaker 2: and now I'm thinking in terms of like, well, damn,
Speaker 2: that's the HVAC, Like that's a new set of pipes
Speaker 2: for the kitchen. You know, that's a washer and dryer.
Speaker 2: So I'm really don't want to have to and first
Speaker 2: of all, there's just so many other costs involved. I'm
Speaker 2: not I don't want to spend the twenty five hundred
Speaker 2: if I don't have to, and or five thousand if
Speaker 2: it came to that, because the sellers very well could
Speaker 2: be like, shoot, we'll get another two, three, four or
Speaker 2: five offers you know tomorrow if if this doesn't go through.
Speaker 2: But fortunately, you know, we let the weekend, go by
Speaker 2: to stood up and said, you know, told the attorney
Speaker 2: you know, we don't I don't want that, asked them
Speaker 2: if they'll be willing to come down in the price,
Speaker 2: and thankfully they were. They were willing to come down.
Speaker 2: So we're getting it at at the Yeah, the pras.
Speaker 1: Yeah, because here's the thing, like, even though the sellers
Speaker 1: might we'll get somebody else. But if that, if that's
Speaker 1: somebody else's bank says the same thing, then you're they're
Speaker 1: counting on those people also have cash out of pocket.
Speaker 1: So it's like, what's that phrase? A bird in the
Speaker 1: hand is worth two in the bush? I like it,
Speaker 1: you know. So that just means that, like, the bird
Speaker 1: that you actually have is worth more than two potential
Speaker 1: birds that by behind before. Yeah, you never heard of that.
Speaker 1: Oh yeah, it's a new thing. I'm teaching these young men, right,
Speaker 1: I'm not gonna lie. It took me years. I'm like,
Speaker 1: I don't know what that means, and then I figured
Speaker 1: it out the googles and so yeah, so they're smart
Speaker 1: because you guys are solid. This is why it's important.
Speaker 1: If you're gonna buy a house, you have to present
Speaker 1: yourself as a solid buyer solid. You know, you have
Speaker 1: your your your your bank is already behind you, You've
Speaker 1: got a great credit score, you know, like showing that
Speaker 1: you have money to put down because it means that
Speaker 1: you're likely to close. So if you have things that
Speaker 1: are a little shaky, then that means anything can happen
Speaker 1: until you close, you know, like literally at the last moment,
Speaker 1: the Baker's like, never mind, Mandy opened up a credit card,
Speaker 1: and you're like, ah, they bought a car two days ago.
Speaker 1: Anything can happen. And so the more solid of a
Speaker 1: buyer you can be. They were smart because they saw
Speaker 1: that you and husband were solid buyers. And you know, yes,
Speaker 1: they could put it back on the market, but there's
Speaker 1: no guarantee that anybody else is gonna be willing to
Speaker 1: come out of pocket. I know I wouldn't be because
Speaker 1: I'm like, well, literally, you're asking me to if a
Speaker 1: house is an investment, you're asking me to overpay for
Speaker 1: an investment. So my return on my investment right now
Speaker 1: is negative. That's not right, you know, So that's good.
Speaker 1: All right, it's time to break booze. I'm not gonna
Speaker 1: lie right well, you know what I'm gonna do a
Speaker 1: brown boost, and my brown boost goes out to my
Speaker 1: sugar plumb, my nephew, and well, my sugar plums, my nephew,
Speaker 1: my niece. That even when I'm they're literally like my
Speaker 1: I don't know my happy space. So when I'm like
Speaker 1: super overwhelmed, I'm like nothing's going right. I literally call
Speaker 1: my sister and I'm like, oh B, that's her nickname,
Speaker 1: oh B, not even her. I'm like, are the kids home?
Speaker 1: And she said yes, Well, I'm like I need a boost,
Speaker 1: and I'll just come over. And my my niece is
Speaker 1: only one, so she's crawling. My nephew's almost she's like
Speaker 1: two and a half, so he'll run to the door
Speaker 1: Auntie and then we'll play and watch Muana And just
Speaker 1: as I'm driving over there, whatever my cares and worries
Speaker 1: are like melt away. There's just something about happy, go
Speaker 1: lucky kids, and so yes, I just want to boost
Speaker 1: just that natural DOPELE mean I get from just like
Speaker 1: hearing their voice or seeing them. And sometimes if I
Speaker 1: can't get over, I'll just literally look at their picture
Speaker 1: like please give me some good juju. I did, And
Speaker 1: so they're here now, they're actually downstairs like my my
Speaker 1: my husband is giving my nephe you a haircut, because
Speaker 1: he's like the only one that, for whatever reason that
Speaker 1: will allow him to cut his hair without screaming bloody murder.
Speaker 1: So it's just like it just puts me in such
Speaker 1: a great state of mind, no matter what's happening. And
Speaker 1: so that's how I knew. I was like, Wow, I've
Speaker 1: always liked kids, but like my my visceral reaction to
Speaker 1: them is like, yeah, you're ready to have a baby.
Speaker 1: Like I never cared this much before, not for them,
Speaker 1: just in general. I mean as a teacher, I loved
Speaker 1: my kids, but I was like, oh, I want my
Speaker 1: kids now. I'm like, I want them and forever until
Speaker 1: I babysit for eight hours straight and I'm like, take
Speaker 1: them home.
Speaker 2: But the ovaries are heating up.
Speaker 1: Yeah, they are definitely heating up. So yeah, that's my
Speaker 1: brown boost. It's just my natural you know, natural dope.
Speaker 1: Mean I get from my niece and my nephew.
Speaker 2: Okay, so my break I actually have. I'm like, which
Speaker 2: news story do I go from? So there's two. I'm
Speaker 2: just one. It's just funny to me. So this story
Speaker 2: just came on today. So Ben Carson remember mister Magic Hans, Yeah,
Speaker 2: you know, would be president is now if you'd forgot
Speaker 2: where he is. He's the Director of Housing and Urban Development. Okay,
Speaker 2: so you know the hood is just I mean, it's
Speaker 2: in charge of a lot of stuff, but one of
Speaker 2: those is providing housing to low income Americans.
Speaker 1: Right.
Speaker 2: So this New York Times investigation just found that at
Speaker 2: the same time mister ben Carson was announcing he was
Speaker 2: going to cut low income housing across the country, his
Speaker 2: wife was using government dollars to purchase a thirty one
Speaker 2: thousand dollars dy net set for his office. Wow.
Speaker 1: Yeah, it's like, well, how embarrassing is that?
Speaker 2: Highly embarrassing? It just it just shows you, like the
Speaker 2: mentality that's happening in the White House right now and
Speaker 2: his cabinet members, like the fact I'm just reading this
Speaker 2: story now, but basically his wife encouraged the people who
Speaker 2: were holding the purse strings to break rules to find
Speaker 2: this thirty one thousand dollars for this, like this dining set.
Speaker 1: Well, you know, I'm not surprised because I remember my
Speaker 1: parents literally giving me gifted hands, Like my dad was saying, Rita.
Speaker 1: It's so inspirational because Benjamin the thing that he turns
Speaker 1: his nose up at the single mother raising like young
Speaker 1: black boy, Like I'm like, but that was literally your life.
Speaker 1: I just don't get it, Like it is the self
Speaker 1: hatred that deep, like you know, like anti single mother,
Speaker 1: so your mom, I don't get it, you know. So
Speaker 1: it's just honestly, it's.
Speaker 2: Just yeah, clouds judgment.
Speaker 1: Now it's for real. And it's such a shame because
Speaker 1: he had the opportunity to have his legacy be so
Speaker 1: powerful because of like what as a surgeon, how what
Speaker 1: a brilliant, gifted surgeon that he was, and especially with
Speaker 1: the background that he had, like that was his legacy.
Speaker 1: No one knew anything else about this other foolishness, but
Speaker 1: he decided to throw it all away. And now I
Speaker 1: can't see him as like, you know, of course I
Speaker 1: know that he's this gifted surgeon, but your legacy is
Speaker 1: now that you are a gifted idiot. And so there
Speaker 1: you go, there you.
Speaker 2: Go, well said, Okay, it's in time for questions, guys.
Speaker 2: Remember you can go to Brandnambisson podcast dot com to
Speaker 2: ask us anything, and or you can email us at
Speaker 2: brand Ambisson podcast at gmail dot com. And I am
Speaker 2: working hard we're going to answer more of your questions.
Speaker 2: We're trying to answer more of your questions pack it
Speaker 2: into the show. So today, let's see if we can
Speaker 2: get through two shorter questions. So here's a question from Oh,
Speaker 2: this is a okay, I'll save the life insurance one
Speaker 2: for next week. I think it's a good one, though,
Speaker 2: but it's probably gonna take too long. So let's question
Speaker 2: is from Ava. It's about her mother, who's fifty eight
Speaker 2: years old, and she says it's a heavy retirement question.
Speaker 2: So let me paraphrase this. My mom is fifty eight.
Speaker 2: She's incredible. She did everything for me and my siblings. Recently,
Speaker 2: she was divorced and after the divorce proceedings, my father
Speaker 2: managed to get away without having to pay her anything.
Speaker 2: So now essentially my mom has no money to fight
Speaker 2: him in court, has a house with twenty five years
Speaker 2: left on the mortgage, and only ten thousand dollars saved up.
Speaker 2: Needless to say, she's incredibly discouraged. Again, she's fifty eight
Speaker 2: years old. I told her not to worry that my
Speaker 2: siblings and I will help her figure it out, but
Speaker 2: she's very independent and wants to do it on her own.
Speaker 2: What are I'm very worried that she's so desperate that
Speaker 2: she's going to fall prey to some get rich, get
Speaker 2: rich quick scams. So what are the best steps for
Speaker 2: her to take over the next six to seven years.
Speaker 2: What's the best plan for her to maximize her retirement savings?
Speaker 2: And how can I and my siblings help her. We
Speaker 2: love her and want her to be well taken care of.
Speaker 2: That's very sweet, and I feel so I feel so
Speaker 2: strongly for this mom because she's actually my mom's age,
Speaker 2: and my mom just got divorced a couple of years ago,
Speaker 2: and not to put her business out there, but she
Speaker 2: didn't get divorced with a ton of like a big
Speaker 2: safety net at the time. And my dad's also fifty eight,
Speaker 2: and he just started a new job a few months
Speaker 2: ago and has zero sort of retirement. He's never had
Speaker 2: a four to one K and no retirement. So I've
Speaker 2: thought about this question a lot for my own parents,
Speaker 2: you know, what can they do? And I started when
Speaker 2: I got this question, I started thinking about first the mortgage.
Speaker 2: So she has a house, she has an asset, way
Speaker 2: she could save more and also reduce her living expenses.
Speaker 2: So I have just like two quick ideas and then
Speaker 2: of course you can chime in. So one on how
Speaker 2: she can save more is when you're over fifty years old,
Speaker 2: you're actually able to make catch up contributions to your
Speaker 2: retirement account to your four to one K. So that
Speaker 2: means right now, I think the maximum limit for per
Speaker 2: year is eighteen thousand dollars annually for the regular average
Speaker 2: and average worker and their four to one K. But
Speaker 2: if you're over fifty, you can actually contribute I think
Speaker 2: an additional six thousand dollars for a total of twenty
Speaker 2: four thousand dollars to your four to one K. So
Speaker 2: if she's looking to save more, she could be socking
Speaker 2: away more money pre tax into her four one K.
Speaker 2: And I know, fifty eight seems old, like, oh, retirement's
Speaker 2: only seven years away, like it is, But more and
Speaker 2: more experts are saying that even though you know you're
Speaker 2: gonna be living, you know, depending on your health, you
Speaker 2: may be living into your eighties. You know, it's not
Speaker 2: uncommon these days to live that long. So what's another
Speaker 2: twenty years? You know, fifteen to twenty years you may
Speaker 2: have to last. And so it's not like it's not
Speaker 2: important for you to be investing now. It is important
Speaker 2: to think about investing now and continuing to put away money.
Speaker 2: So if she has the extra money, I would say,
Speaker 2: use use the fact that you're over fifty to to
Speaker 2: make those catch up contributions. And my second thing is,
Speaker 2: you know, if she has a mortgage with twenty five
Speaker 2: years left on it, is it possible for you to
Speaker 2: downsize or is it possible for you to get a
Speaker 2: tenant to rent a floor out to, or a room
Speaker 2: out to, or something to bring an additional income, you know,
Speaker 2: make that asset work for you, or you could, like
Speaker 2: I said, think about selling and maybe downsizing to something
Speaker 2: that's more affordable. Even though I know it's probably really
Speaker 2: difficult to that age to think about taking a step
Speaker 2: back in terms of your housing, but it's not uncommon.
Speaker 2: I don't think a lot of people in their sixties downsize,
Speaker 2: not just because financially, but just because they don't need
Speaker 2: as much house anymore, you know, with children grown up
Speaker 2: and like being out of the house. Maybe that's something
Speaker 2: something you can consider. And because she mentioned get rich
Speaker 2: quick scams, I immediately thought of reverse mortgages. Okay, so
Speaker 2: first let me explain what a reverse mortgage is so
Speaker 2: basically a reverse mortgage. It's a special type of loan
Speaker 2: from the bank for people from homeowners who are over
Speaker 2: the age of sixty two. So with the reverse mortgage,
Speaker 2: so lender is basically going to pay you back some
Speaker 2: of your home's equity, and instead of giving it to
Speaker 2: you in one lump sum, it's going to convert it
Speaker 2: into monthly payments for as long as you live. You
Speaker 2: live in your home and you continue to pay off
Speaker 2: your other obligations of your mortgage, you don't actually have
Speaker 2: to pay the money back. However, if you were to
Speaker 2: die or sell your home or move out, you or
Speaker 2: your spouse or your estate meaning possibly your children your
Speaker 2: heirs could become liable for the loan. So it may
Speaker 2: sound like it's a great way, and it can be,
Speaker 2: you know, a nice way to have additional income coming
Speaker 2: in every month. It's definitely not for everybody, especially if
Speaker 2: you don't think you'll be able to if you don't
Speaker 2: want your future heirs or your spouse to have to
Speaker 2: suddenly be stuck with the payments if you were to
Speaker 2: suddenly pass away or sell your home and weren't able
Speaker 2: to pay the lenderback. So just keep that in mind,
Speaker 2: and I would just say, really, like, consult a professional
Speaker 2: before you consider it, because it may not be like this,
Speaker 2: you know, the one fit answer that is going to
Speaker 2: help you, you know, get your finances back on track
Speaker 2: that you may think it is.
Speaker 1: And I'll just add this one thing that I don't know.
Speaker 1: Did she say, did the divorce just happen?
Speaker 2: She said four years ago?
Speaker 1: I believe, Okay, I was just going to say that
Speaker 1: if it just happened that one of the things I
Speaker 1: remember a grief counselor friend of mine said that, you
Speaker 1: know when to give yourself time before you make any
Speaker 1: major decisions. Before years is a good amount of time,
Speaker 1: but like, you know, not to make any rush decisions
Speaker 1: because oftentimes you you know, you're still grieving and she
Speaker 1: might still be four years might not be complete. But
Speaker 1: to make choices, you know, from a space of like
Speaker 1: not this panic, you know mode, because there are going
Speaker 1: to be choices that are going to reflect the fact
Speaker 1: that you're acting from a place of fear and worry
Speaker 1: and and sometimes you know, because like my mom honestly
Speaker 1: was like I don't want to work anymore. I was like, oh,
Speaker 1: so like in a year, she's like, no, as in
Speaker 1: too much for now. I'm like, wait, may what She
Speaker 1: just was over it? She literally woke up, was like,
Speaker 1: I'm over it. My dad has been retired for years
Speaker 1: because he's like eleven years older than her, and so
Speaker 1: she honestly has like a year and a half left,
Speaker 1: but she's just like, I'm not going back to work.
Speaker 1: I'm over it. And so I could sit down with her,
Speaker 1: and I didn't first, but I realized that I needed
Speaker 1: a third set of eyes that wasn't as invested as
Speaker 1: I was and as she was, so we could get
Speaker 1: like a calming voice for us all to kind of
Speaker 1: look at like the collective finances of she and my
Speaker 1: dad and then her finances, and so sometimes that helps
Speaker 1: to So I would just suggest that of having maybe
Speaker 1: somebody to sit with you guys to kind of like
Speaker 1: unpack the finances, because that's what we had to do,
Speaker 1: because I was worried at first. But then as we
Speaker 1: start to unpack her finances, I realized that there's actually
Speaker 1: enough here. There's enough. She and my dad have enough
Speaker 1: in retirement, but then they also have enough as far
Speaker 1: as like other kind of income coming in. And I said, oh,
Speaker 1: So it made me because I was worried at first.
Speaker 1: It's like, wow, you're not following the plan like daddy
Speaker 1: has the like my father was to see a phone
Speaker 1: and accountant, so he had like the plan all planned
Speaker 1: out once she retires in two years, Like if she
Speaker 1: would have waited, the plan would have been like planned
Speaker 1: action now, but like you know, two years early, he
Speaker 1: didn't plan for that. So you know, the linear thinker
Speaker 1: in him is like I gotta do and so having
Speaker 1: like so despite that me being in finance and my
Speaker 1: dad being like super mister finance with his like masters
Speaker 1: and like economics and finance, you know, it was still
Speaker 1: nice to have a third set of eyes that wasn't
Speaker 1: like in freak out mode. So that's just a suggestion.
Speaker 2: Yeah, and the fact that you guys are there to
Speaker 2: support her is an asset. So I think maybe taking
Speaker 2: Tiffany's suggestion, getting maybe an expert to sit down with
Speaker 2: her and really look. Another thing is you may not
Speaker 2: even know your mother's whole financial picture. Like I don't
Speaker 2: know about you, but sometimes I sometimes I catch snippets
Speaker 2: of reality, like snippets of truth financial truths of my parents,
Speaker 2: and I'm like you did what where? Like what because
Speaker 2: you know, they may not want to tell you everything,
Speaker 2: and so they may even just need like another person,
Speaker 2: an expert to talk to, to tell them that you know,
Speaker 2: the whole truth of where their finances are at, because
Speaker 2: only then can they really make a plan for for them,
Speaker 2: you know, that could potentially help her save more for retirement. Yeah, okay,
Speaker 2: thank you for your question, Ava.
Speaker 1: So yeah, so continue to reach out to us if
Speaker 1: you have questions and you you know you want answers,
Speaker 1: you want answers, definitely hit us up on Brianambis Podcasts
Speaker 1: at gmail dot com. You could also go to Brownhambition
Speaker 1: podcast dot com and and click ask us anything that's
Speaker 1: like the simplest way. And it's time for Winds win day.
Speaker 1: I feel so good, like, wait, see, look at I
Speaker 1: don't even have a coach yet. And look how I
Speaker 1: remember the email and all that kind of stuff. When
Speaker 1: have you known me to remember those things?
Speaker 2: Look at me in two years.
Speaker 1: This third, third time? Maybe maybe?
Speaker 2: Yeah, I feel like that's a generous estimate.
Speaker 1: I'm cooking with chrisco Grease. Yeah, oh, Winds, Winds, Winds,
Speaker 1: I don't have one coming to mind. Just oh, this
Speaker 1: is gonna be a little silatious. So if you're under eighteen,
Speaker 1: you might want to turn this off. This one goes
Speaker 1: out to, uh, have you seen Nicki Minaj's ex boyfriend Safari?
Speaker 2: No, I don't even know.
Speaker 1: No. So for those of you who are you know
Speaker 1: what I'm talking about. I know you're getting a good
Speaker 1: get go. So Nicki Minaj was with a young gentleman
Speaker 1: named Safari who she was with for a long time
Speaker 1: and he helped her produce stuff or whatever. So they
Speaker 1: broke up after being together for over ten years and
Speaker 1: she moved on to date other people. So Safari has
Speaker 1: been on like love and hip hop and all these
Speaker 1: kind of like you know, reality shows and the Truth
Speaker 1: of the matter is and all the shows. He kind
Speaker 1: of comes off. It's like a nice guy, a little corny,
Speaker 1: but you know, nice guy. Chum. Safari sent some pictures
Speaker 1: to a lady friend and let's just say, I can
Speaker 1: see why Nicki Minaj was with him for twelve years.
Speaker 2: There's a dick pic. That's your win. A dick pic.
Speaker 1: No, it's not anything. That's why I said, if you're
Speaker 1: under eighteen, turn it off. Turn it off right now,
Speaker 1: go to your homework.
Speaker 2: No, I'm trying to stay on this train with you.
Speaker 2: I'm here.
Speaker 1: I'm here, you know, just because it is not when
Speaker 1: you it's not the pick, it's the video. I just
Speaker 1: need you. When you see it, you're gonna be like,
Speaker 1: I understand now, it's not that's not my calling on
Speaker 1: my life. I am satisfied at home. But for those
Speaker 1: of you who might, you know, just just that's a
Speaker 1: win for Safari. He is blessed, and I just you know,
Speaker 1: it's that's you know, I know we usually don't go there,
Speaker 1: but I thought, you.
Speaker 2: Know what I appropriate, something's changed.
Speaker 1: No, when you see this video, you're gonna understand why.
Speaker 1: You know, who does a really great art like funny
Speaker 1: you know, Lovey is really her. Her blog's hilarious, but
Speaker 1: go to her blog and read it is her kind
Speaker 1: of addressing this whole Safari thing is just you will
Speaker 1: laugh out loud and so yep, that's my win. My
Speaker 1: win is Safaria. You are blessed. Brother. Mm hm yeah.
Speaker 2: Well, I'm gonna follow it up with Michelle Obama's book
Speaker 2: is coming out. There's no segue that I could think of,
Speaker 2: so I'm just gonna put it out there. There's no
Speaker 2: natural connection. Yeah, our our our Queen Michelle Obama First
Speaker 2: Our First Lady's book is due out next November. I
Speaker 2: think it just just coincidentally coincides with election day in
Speaker 2: the midterm election, so uh, you know, I think a
Speaker 2: message might be being sent there, or it just could
Speaker 2: be the comforting like comfort that we all need after
Speaker 2: what happens next election. Who knows, but mark your calendars,
Speaker 2: pre order it. I'm so excited.
Speaker 1: Yes, and head to Twitter and type in f A
Speaker 1: F R E e'n stop stock