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Speaker 1: Welcome back, everybody. It's episode twenty one.

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Speaker 2: We're back, We're back, We're back. We'll bet you shuld

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Speaker 2: see where I'm sitting. I'm sitting in Supergirl's room, in

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Speaker 2: her pink and purple room, and she's like watching it downstairs,

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Speaker 2: watching ductails. Remember ducktails?

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Speaker 1: Do you remember? Kind of questions that, And I'm like,

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Speaker 1: I'm so jelly.

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Speaker 2: I'm like, oh my god, I'll be write back Supergirl.

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Speaker 1: In honor of our twenty first adversary twenty first podcast aniversary,

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Speaker 1: not yearly, a weekly versary. I'm having a lovely gossip

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Speaker 1: of wine here. So's we're legal. Now we're drinking up

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Speaker 1: so fast.

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Speaker 2: I know.

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Speaker 1: Well great, thank you guys for coming back. This is

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Speaker 1: going to be a very special episode because later on

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Speaker 1: in the show we have an interview. I got to

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Speaker 1: sit down the skype and talk to Aza McClanahan. She

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Speaker 1: is a mother from Chicago, mother of three children. I

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Speaker 1: believe I could be exaggerating, could be two or three children.

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Speaker 1: And she talked to me about how her and her

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Speaker 1: husband paid off over one hundred thousand dollars in debt

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Speaker 1: in just five or six years.

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Speaker 2: Wow.

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Speaker 1: It was a really cool conversation with Aza, and you

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Speaker 1: know what, one of the things the key to her

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Speaker 1: debt payoff was completely changing the way they lived. And

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Speaker 1: when I say that, you will not believe what she did,

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Speaker 1: like how drastic they went to save on their housing costs. Okay,

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Speaker 1: so tune in later in the show and meet Aja.

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Speaker 2: I can't wait because people always tell me, oh, Budgetia,

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Speaker 2: you're single, you don't have any kids, that's why you're

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Speaker 2: able to save in this next that's true, you know,

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Speaker 2: and people, I know they probably tell you that all

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Speaker 2: the time too, like whatever, what do you know? But

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Speaker 2: I'm like, really, because I learned all my tricks to

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Speaker 2: the trade for my parents who had five I mean,

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Speaker 2: come on, that's a tribe. And I tell people that, like, yes,

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Speaker 2: it is definitely easier when you're single, but it is

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Speaker 2: not impossible if you have kids.

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Speaker 1: I think the difference is that when you have kids,

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Speaker 1: you don't need to like talk yourself into budgeting. It

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Speaker 1: is a necessity, yes, you know what I mean, Whereas

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Speaker 1: with us it's like we want we have the liberty

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Speaker 1: to like put it off or you know, try it out.

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Speaker 1: But I mean, I watch my finances so I can

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Speaker 1: if I have kids. If I'm blessed enough to have

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Speaker 1: kids in the future, you know, they'll have a decent

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Speaker 1: life exactly.

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Speaker 2: So yeah, you can do it with or without. But

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Speaker 2: that's why I'm so excited to hear it, because it's like, yes,

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Speaker 2: someone who can kind of speak to that. So, you know,

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Speaker 2: I wanted to talk about So, I know, have you

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Speaker 2: heard the whole black girl Magic thing with l and Essence? Yeah,

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Speaker 2: So I just thought it was so I didn't. I

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Speaker 2: saw Essence's video about what black girl magic was, and

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Speaker 2: I's like, oh, this is cute because you know, I

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Speaker 2: don't know, it's just something that I've said before. I've

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Speaker 2: seen other girls say it's just a celebration of you know,

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Speaker 2: women in their blackness, you know. And then that l article,

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Speaker 2: which I'm like, it seems so bizarre because I'm like,

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Speaker 2: is this woman really taking black girl magic literally? Like

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Speaker 2: black women are believing that they are literal magical creatures.

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Speaker 2: I could not wrap my mind around what. Yes, I

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Speaker 2: just and then from what I understand, the woman who

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Speaker 2: wrote I think her name is like Linda. She's a

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Speaker 2: woman of color, and I just didn't get it. I'm like, Linda,

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Speaker 2: black women are not saying, and I mean, I know

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Speaker 2: there's some women who are like, yes, they have magical properties,

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Speaker 2: but typically when women are using the hashtag or the

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Speaker 2: phrase black girl magic, what it is just saying like like,

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Speaker 2: oh watch me, world, you see me, I'm fly. That's

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Speaker 2: really just it.

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Speaker 3: I just I don't know.

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Speaker 2: I just thought it was so weird and bizarre and

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Speaker 2: just so unnecessary. I'm like, shit, can a black woman

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Speaker 2: love on herself?

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Speaker 1: Like I say, you know, the like the backbone of

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Speaker 1: the story, the context for the story is this woman

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Speaker 1: has been living with MS for ten years. And her

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Speaker 1: thing is that she's saying, she's kind of she's kind

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Speaker 1: of likening it to the strong black women stereotype, which

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Speaker 1: doesn't really give black women any room to be human,

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Speaker 1: to be vulnerable, to be in pain, and so she's

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Speaker 1: kind of saying, black girl magic puts too much pressure

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Speaker 1: on black girls to feel like they must be perfect

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Speaker 1: at everything. And I just pulled it up so I

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Speaker 1: can quote it. She says, one attitude I'll never take

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Speaker 1: on is the idea that I can be a magical

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Speaker 1: black woman, that somewhere within me is some black girl magic,

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Speaker 1: because there isn't everything inside and outside of me is

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Speaker 1: flesh and bone and a nervous and a nervous system

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Speaker 1: with bad signaling, nothing magical. It's sad, you know, I

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Speaker 1: think it is. It's really sad. I mean, you can't

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Speaker 1: deny the struggle of someone with I mean, MS is

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Speaker 1: a disease that stays with you for a lifetime.

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Speaker 2: Yes, go ahead, tired. Now say I have a number

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Speaker 2: of my friends who suffer from those type of like

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Speaker 2: degenerative diseases that like over time, like from lupus like

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Speaker 2: diseases and mess. And one of my actually good friends

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Speaker 2: has that mess. So I've seen her struggle with that,

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Speaker 2: so I can completely understand that feeling of like if

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Speaker 2: I was so magic, how come I feel like this?

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Speaker 2: So you know, I can see you know, but I

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Speaker 2: guess I feel like that. The term black girl magic

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Speaker 2: from every black girl that I've seen to use it

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Speaker 2: was not using it in the context of saying you

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Speaker 2: can that like you know that you can do no wrong.

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Speaker 2: It was just kind of like, go girl, you got

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Speaker 2: that like that in that moment, not in like in

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Speaker 2: your entirety of your black girl history, but in this moment,

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Speaker 2: I am displaying some awesomeness. That's I mean, that's how

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Speaker 2: I mean. Of course, I can't speak for every black girl, obviously,

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Speaker 2: but that's how I use it. That Like when something

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Speaker 2: kick ass happens, or I look particularly brown and chocolately

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Speaker 2: and amazing in a Facebook picture or a selfie, I'm like, oh, oh,

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Speaker 2: black girl magic in this moment, Like I feel dope,

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Speaker 2: I look dope, like check me out, you know, and

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Speaker 2: I just feel like, to me, it's something positive that

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Speaker 2: it just seems like weirdly twisted here, and it's unfortunate,

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Speaker 2: because yes, I don't wish what she's going through on anyone,

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Speaker 2: But at the same time, I don't think that that's

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Speaker 2: the intention of that that hashtag.

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Speaker 1: I agree. I think that she just needs to find

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Speaker 1: she has to make peace with her illness. And I

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Speaker 1: feel like, from her perspective, like there's never been a

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Speaker 1: time when everyone's awesomeness has ever been more shoved in

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Speaker 1: our faces than right now. I mean, every social media,

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Speaker 1: every Instagram, even I get tired of it, like oh

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Speaker 1: you an address again? Looking for like okay, fine, we

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Speaker 1: get it, Like oh you're in the gym again, congrats,

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Speaker 1: Like why do I need to see you?

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Speaker 3: You know?

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Speaker 1: I know, and like it's I mean, I have a

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Speaker 1: strong sense of self and I can I you know,

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Speaker 1: I support I just I just liked a picture from

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Speaker 1: my friend. He ran in her like fifteenth marathon.

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Speaker 2: You know.

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Speaker 1: It didn't feel as exciting as the first, but I'm

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Speaker 1: proud of her, you know.

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Speaker 2: But honestly, you are so right though, cause I'm not

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Speaker 2: gonna lie. Like Superman came home the day, he was like,

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Speaker 2: so I don't want to be a part of your

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Speaker 2: social media. I was like, where's this coming from. He

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Speaker 2: was just like, I don't know. I just feel like

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Speaker 2: I just don't want to be a part of it.

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Speaker 2: He's like, I think it's great, you know, you know,

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Speaker 2: I love you. Just I just feel like I feel

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Speaker 2: like everything is always on display. Not necessary for us,

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Speaker 2: you know, because I don't really share him that much,

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Speaker 2: you know, but just like in general, he's like, He's like,

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Speaker 2: I'm honestly, I'm just sick of Facebook. I'm sick of all.

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Speaker 2: He's like, I'm never going to join Instagram, Twitter. I

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Speaker 2: just feel like everybody's always putting everything on display, and I'm.

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Speaker 1: Tired good stuff, the good stuff they're putting on display.

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Speaker 2: You're right, And he's just like I'm tired of it.

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Speaker 2: I don't care. And it just had me thinking, like,

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Speaker 2: I love you in real life, you know everybody. Everybody

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Speaker 2: doesn't have to like And I was like, Okay, I

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Speaker 2: don't post much about you, but we don't have to.

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Speaker 2: We don't. I don't know what you're going through or

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Speaker 2: what happened or what scarred you, you know, but we

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Speaker 2: don't have to post any of those other things again.

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Speaker 2: You know. Meanwhile, his Facebook picture is us too. I'm

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Speaker 2: looking at him like, but side I.

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Speaker 1: Well, you know, I think that some people can be

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Speaker 1: a little extra with it, and I can understand that

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Speaker 1: frustration feeling like can't people put up something real, like

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Speaker 1: a ro real struggle, like you know, someone with MS

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Speaker 1: people like and there is a you know, we just

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Speaker 1: had to talk about this at work about how we

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Speaker 1: never put any pictures of people with disabilities in our stories,

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Speaker 1: and you know, people who feel who are disabled feel

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Speaker 1: invisible because that's not the you know, hashtag magic that

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Speaker 1: you want to put on Instagram. You're right, So maybe

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Speaker 1: it's just it's something to think about it, but I

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Speaker 1: think it. You know, I appreciate her displaying her vulnerability

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Speaker 1: and pain out there, So maybe I was too flippant

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Speaker 1: in the beginning, but you know, I see both sides.

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Speaker 2: Yeah, no, I could see. I mean, I'm glad, thank

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Speaker 2: you for that perspective, because I was just like, what

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Speaker 2: in the hell.

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Speaker 1: She didn't want to take away something that's so positive?

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Speaker 2: You know, yeah, you know, because it's hard enough out

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Speaker 2: here being a brown girl. I just accepted my brown skin,

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Speaker 2: you know, like can I rub a little black girl

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Speaker 2: magic on it? And I was just like, but you know,

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Speaker 2: but from hearing from your perspective, I did read it,

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Speaker 2: but I guess I had already come to a conclusion

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Speaker 2: before I the article that was angry at her, so

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Speaker 2: I didn't allow to see kind of like her her

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Speaker 2: point of view. Although I can appreciate it, I do

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Speaker 2: not agree.

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Speaker 1: So have you seen the interview with Hillary Clinton? That

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Speaker 1: was I think from last week. She was interviewing at

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Speaker 1: Drake University or by a Drake University student and the

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Speaker 1: student asked her, when is a time in your life

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Speaker 1: when you feel like you've benefited from white privilege? O?

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Speaker 1: Good question, which was you know, it's a great question.

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Speaker 1: It was such a you know, a thought provoking question.

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Speaker 1: And I'm glad because Clinton, Hillary did not deny it,

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Speaker 1: like as a lot of people try to do. They

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Speaker 1: get very like uncomfortable, you know, bringing up the idea

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Speaker 1: of white privilege. And she looked it right in the

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Speaker 1: face and she gave this answer. Hillary said, I was

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Speaker 1: born white, middle class in the middle of America. I

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Speaker 1: never really knew what wasn't or wasn't what was or

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Speaker 1: wasn't part of the privilege. I just knew that I

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Speaker 1: was a lucky person. When I first realized that I

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Speaker 1: was privileged, both because I was white and because I

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Speaker 1: was economically stable. Our church asked some us would volunteer

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Speaker 1: to babysit for the children of migrant farm workers because

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Speaker 1: the families had to go into the fields to work,

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Speaker 1: and the older kids had to go with them, and

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Speaker 1: there was nobody left to watch the little kids. So

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Speaker 1: she and some of her friends volunteered to take care

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Speaker 1: of those kids. Which this is what I know. Hillary

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Speaker 1: Quinton is like a class a politician, Like she is good.

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Speaker 1: She does what not only is she acknowledging the question

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Speaker 1: which is going to get her points. She's telling you

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Speaker 1: know a story that you know in which you can

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Speaker 1: clearly see, yes, you've been benefited, You've benefited from white children,

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Speaker 1: white privilege, but it also.

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Speaker 2: Makes her look good because she was volunteering exactly a

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Speaker 2: migrant children.

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Speaker 1: Yeah, that would what good?

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Speaker 2: I mean good it is not yeah, I mean like

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Speaker 2: you said it just but she did in such a

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Speaker 2: smooth way that just made you say, Okay, thank you

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Speaker 2: for acknowledging. Oh you give you go to church, you're

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Speaker 2: a Christian. All she checked off all the boxes that

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Speaker 2: like people are kind of looking for in a politician.

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Speaker 2: So that was just you know, the part that impressed

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Speaker 2: me most is that she didn't deny it. It would

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Speaker 2: be so easy to.

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Speaker 1: Or make it about make the question like just like

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Speaker 1: I feel like what politicians so often do is instead

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Speaker 1: of moving the conversation forward, they focus on the question

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Speaker 1: and start going backwards, like, oh, well, I don't really

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Speaker 1: like to turn white privilege. I'm not going to answer

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Speaker 1: this question in the first place. It makes me uncomfortable. Yes, yes, man,

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Speaker 1: you gotta take these uncomfortable conversations, get deep down in

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Speaker 1: the uncomfortableness of them, and just like keep going. We

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Speaker 1: have to move forward already. I'm sick of all this.

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Speaker 2: Yeah, I like a lot of people like to pretend

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Speaker 2: like I don't see racism. It's like, oh, okay, well

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Speaker 2: that must be nice. Well I don't see gravity, and

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Speaker 2: yet it still pulls me down.

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Speaker 1: Do you see God?

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Speaker 2: Do you? I know exactly, So I wanted to talk

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Speaker 2: about I know this is a little bit old, but

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Speaker 2: it's just been coming up in my time, my feed

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Speaker 2: so often. I guess something is just going on in Michigan.

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Speaker 2: I mean, we already know about the woes of Detroit.

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Speaker 2: And this teacher wrote this brilliant post, I guess the

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Speaker 2: defense of teachers in Detroit because I don't know some politician.

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Speaker 2: I guess the students have been protesting, and a politician

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Speaker 2: was blaming the teachers and saying the students were used

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Speaker 2: as pawns in the protest by the teachers. And she

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Speaker 2: wrote this brilliant post kind of saying, yeah, no, we

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Speaker 2: work in freezing conditions in the winter, stifling hot conditions

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Speaker 2: in the summer. We took a ten percent pay cut.

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Speaker 2: We lent the the Board of Education ten thousand dollars.

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Speaker 2: You know, we're being told that we might not even

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Speaker 2: get our pension. So yeah, we're kind of here because

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Speaker 2: we love being here, not because we're getting all these

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Speaker 2: great benefits. So that was one. But the thing that

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Speaker 2: has really been bothering me is that whole Flint in

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Speaker 2: Michigan and like the poisoning of their water, and it's

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Speaker 2: just I don't know. I'm sure you've heard, you've read,

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Speaker 2: but it's just it's just mind boggling that a government

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Speaker 2: entity has been allowed to poison their citizens in such

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Speaker 2: a way that will have ramifications and effects years from now,

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Speaker 2: because poison in something that that will affect your your

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Speaker 2: cognitive growth, there's neurological effects. It's just I don't I

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Speaker 2: just couldn't even believe it. And just to see the

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Speaker 2: water and like I just saw this one post that

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Speaker 2: just blew my mind that there were some residents so

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Speaker 2: they tested people's water and it went from being like

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Speaker 2: mildly contaminated to completely like the equivalent of raw sewage.

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Speaker 1: Oh, because it's a lot of static. Sorry, Okay, it's

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Speaker 1: a me. Yeah, maybe you're talking too close to the

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Speaker 1: mic a little bit. Maybe you can sense your passion

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Speaker 1: and it's like short circuiting it.

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Speaker 2: Can you hear me?

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Speaker 1: Yeah, I don't know, I can hear you. It was

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Speaker 1: just like it was just breaking up a little bit.

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Speaker 2: Okay, all right, so I moved the mic up a

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Speaker 2: little so so, yeah, So they were testing different homes

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Speaker 2: to kind of see how bad the situation was, and

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Speaker 2: there were like some homes that and I can't like

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Speaker 2: quote us like three hundred parts per billion or something

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Speaker 2: like that, which basically is there equivalent of sewage, sewage

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Speaker 2: in someone's home with a child, hospitals having contaminated water.

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Speaker 2: Just it's just mind boggled. I don't even know what

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Speaker 2: to say. I'm like, how is this allowed? How is

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Speaker 2: the governor still allowed to be the governor? How is

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Speaker 2: the mayor still allowed to be a mayor? How are

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Speaker 2: the people who have made this decision too? Instead of

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Speaker 2: getting water from I think they were getting water from where, right,

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Speaker 2: they were getting water from Detroit right the river the

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Speaker 2: river well originally, no, they were getting water from I

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Speaker 2: think like the Great Lakes, which was like, you know,

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Speaker 2: clean water or whatever. And they made the decision to

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Speaker 2: get water from the Flint River without really taking into

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Speaker 2: consideration that that water was not one it's not potable,

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Speaker 2: and it was like breaking down the lead and the

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Speaker 2: pipes and that was just seeping into people's homes and

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Speaker 2: just I don't know I'm like, how is this not

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Speaker 2: a bigger story.

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Speaker 1: It's becoming It's been a year, but finally it's been

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Speaker 1: the New York Times. There's a really cool I think

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Speaker 1: I posted on the Brown Ambition facebook page. Not cool.

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Speaker 1: I don't want to like make it seem like it's fun.

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Speaker 1: It's not. I posted a New York Times or it's

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Speaker 1: Washington Post. I think graphic of the level of lead

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Speaker 1: in flints water versus healthy water versus you know, unhealthy

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Speaker 1: lead water, and it's like many times more lead than

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Speaker 1: the normal than the unsafe lead you know, uh uh

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Speaker 1: what you call it? What's the word proportion whatever. There's

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Speaker 1: just too much standlet in the.

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Speaker 2: Water yond unsafe, Like it's like they're into like the

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Speaker 2: damn near deadly category. It's like, oh no, we've passed

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Speaker 2: unsafe a long time.

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Speaker 1: Ago, and now the presidents declared a state of emergency. Yeah,

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Speaker 1: I don't know why it's taking so long.

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Speaker 2: Yeah, it's just I don't know. It's it's really disheartening

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Speaker 2: when you see how people with without influence or wealth

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Speaker 2: are treated at times, because there's just no way that

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Speaker 2: this could happen in like a Connecticut you know, and

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Speaker 2: a rich town, it just would not happen. And you know,

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Speaker 2: everybody's cup to say just move, oh, because I have

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Speaker 2: hundreds of dollars or thousands of dollars to just get

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Speaker 2: up and move. No, I'm sure people would have. I'm

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Speaker 2: sure tons of people have left, but not everybody has

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Speaker 2: the means to. And really, if it wasn't for that doctor,

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Speaker 2: remember she was just noticing. I forgot the doctor's name,

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Speaker 2: and I wish I knew she was noticing just this

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Speaker 2: increase of young children coming in with these high lead levels.

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Speaker 2: And she wrote like a paper and basically the powers

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Speaker 2: that be, the governor, the mayor all try to try

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Speaker 2: to say that, you know, she didn't know what she

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Speaker 2: was talking about, and I'm just like, I don't get it.

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Speaker 2: I'm like, I get that these are not your kids,

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Speaker 2: but you don't feel any sort of I just don't

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Speaker 2: get when people make decisions, especially about kids. Okay, you

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Speaker 2: don't care about adults, fine, but you don't think to yourself, huh,

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Speaker 2: this decision I'm making is kind of killing babies. Well,

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Speaker 2: you know, things happen, Like what is it that goes

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Speaker 2: through people's minds when you find out that you know,

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Speaker 2: you are literally just potentially creating an environment where kids

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Speaker 2: will be sick for the rest of their lives and

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Speaker 2: there's just nothing, no movement. You sleep at night. It's

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Speaker 2: you know, do you look at your kids and say

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Speaker 2: to yourself, not my kids, you know, but the way

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Speaker 2: karma works maybe maybe what maybe maybe your kids or

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Speaker 2: your grandkids or whatever. That's just the way karma works.

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Speaker 2: You don't. Things don't just happen in one area and

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Speaker 2: think they don't sleep over, you know.

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Speaker 1: So, yeah, those are great questions for the mayor Karen Weaver.

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Speaker 1: How How Karen how? Because they made this decision knowing

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Speaker 1: that it could lead to problems, knowing that the water

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Speaker 1: was disgusting, and even though they did switch back to

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Speaker 1: the healthy water supply from Detroit, that all the damage

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Speaker 1: from those those those pipes that had already been damaged

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Speaker 1: had been done. You can't fix that sort of thing. Yeah,

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Speaker 1: I can't imagine washing my baby in a bathtub knowing

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Speaker 1: that if the baby like pops a bubble or puts

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Speaker 1: her hand in her mouth like that, she'll gets sick.

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Speaker 1: You know. That's that's terrifying stuff.

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Speaker 2: It is, It's not right, yeah, and it just it's

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Speaker 2: it's terrifying, especially when you feel like you don't have

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Speaker 2: a choicet, like you have to deal with it because

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Speaker 2: you just where can I go? What can I do?

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Speaker 2: Am I gonna find? I'm gonna get up money for

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Speaker 2: another apartment in another place and move. If it was

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Speaker 2: that easy, people would have just left a long time ago.

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Speaker 2: It's just I don't know when you read stuff like that.

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Speaker 2: Sometimes I'm just like, I need a break from life,

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Speaker 2: and people like, you know, you can't be that terrible

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Speaker 2: shesh like.

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Speaker 1: It's not supposed to happen in America. How many nonprofits

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Speaker 1: in America work in other developing and developing nations to

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Speaker 1: you know, increase access to water? How many are there?

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Speaker 1: And yet in our own backyard?

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Speaker 2: Yeah, this is happening. Yeah it is sad. Okay, well

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Speaker 2: let's are you ready for brown Break? Are any more buzzworthies?

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Speaker 1: No? I think that can be get for Buzzworthy. I'll

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Speaker 1: save I'll save Oprah. I'll have some words for Oprah.

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Speaker 1: We'll save that for next week. Maybe some of you

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Speaker 1: guys might agree with me. I don't want to get flamed.

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Speaker 1: Prepare yourselves, yeah, but weak to prepare yourselves.

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Speaker 2: Get your big girl, patties on. All right, so you

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Speaker 2: tell you're ready for brown break? All right? So this

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00:19:05,960 --> 00:19:09,439
Speaker 2: brown break was inspired by miss Mandy herself. We were

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Speaker 2: talking before we started taping, and I.

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Speaker 1: Will tell me a muse.

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Speaker 2: Yeah, oh okay, is that the word we're using now?

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Speaker 2: So you were muse, Mandy, Mandy the muse. So we

399
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Speaker 2: were just talking about, like, uh, networking, and she had

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Speaker 2: an instance.

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Speaker 1: Don't love it?

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Speaker 2: I know it's still amazing.

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Speaker 1: Let me tell let me, let me start by telling

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Speaker 1: the story and then you can see as you did earlier. Yeah,

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00:19:33,440 --> 00:19:36,119
Speaker 1: all right, So earlier this week I was a networking

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Speaker 1: event for a professional organization and just the word networking

407
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Speaker 1: is super stressful to me. I have to just like

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Speaker 1: myself up before I go. And everyone's sort of been

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Speaker 1: in that position, even if you've been a part of

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Speaker 1: an organization for a while. You walk into a room

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Speaker 1: full of people and there's you know, some people are

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Speaker 1: talking to some people, some people aren't talking to people.

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Speaker 1: And if you're going there for real networking purposes, which

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Speaker 1: is to put your card in the handed someone who

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Speaker 1: might give you a job, you want to be strategic

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Speaker 1: about it. But like it seems like everyone is trying

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Speaker 1: to talk to you along the way, and sometimes you

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Speaker 1: have to find a way to like gracefully, like remove

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Speaker 1: yourself from someone who's latched onto you. Right, So I

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Speaker 1: like to think that I'm pretty graceful about it, But

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Speaker 1: this time I was. I ran into someone and I

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Speaker 1: quickly just said thank you because he had done something

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Speaker 1: super nice for me. And he was straight up doing

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Speaker 1: the thing where he's like, oh yeah, oh yeah, good, good,

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Speaker 1: good God for that. He was looking over his shoulder

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Speaker 1: like desperate to find some sort of excuse not to

427
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Speaker 1: talk to me, And I was like, what is do

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Speaker 1: I have a booger in my nose? Am? I did

429
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Speaker 1: someone fart around me? And I'm getting blamed for it,

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Speaker 1: like it was really bad, and I was just at

431
00:20:41,480 --> 00:20:44,240
Speaker 1: that point I just had to extract myself from the situation.

432
00:20:44,280 --> 00:20:47,160
Speaker 1: I'm like, networking is done for the evening. I need

433
00:20:47,200 --> 00:20:49,399
Speaker 1: to back out. I've reached my limit. I made it

434
00:20:49,440 --> 00:20:52,359
Speaker 1: an hour and a half. Not bad, I don't think,

435
00:20:52,640 --> 00:20:53,760
Speaker 1: but it's just awkward.

436
00:20:54,359 --> 00:20:56,239
Speaker 2: Yeah. So that's why I'm taking a brown break from

437
00:20:56,280 --> 00:20:59,359
Speaker 2: networking because I, oddly enough, just because you know, I

438
00:20:59,440 --> 00:21:03,080
Speaker 2: speak public, I'm actually on the shy side, like I'm

439
00:21:03,160 --> 00:21:04,959
Speaker 2: good on the stage in front of all these people,

440
00:21:05,040 --> 00:21:07,560
Speaker 2: but then if you catch me like in a room,

441
00:21:07,720 --> 00:21:09,320
Speaker 2: I'm not the type to kind of go up to

442
00:21:09,320 --> 00:21:12,159
Speaker 2: a stranger one on one and just say, hey, stranger,

443
00:21:12,800 --> 00:21:14,760
Speaker 2: let me tell you a little something about me, like

444
00:21:15,080 --> 00:21:18,640
Speaker 2: I will just sit there silently like wildflower. Like now

445
00:21:18,640 --> 00:21:21,119
Speaker 2: I can make casual conversation, like I'm the type of

446
00:21:21,119 --> 00:21:22,320
Speaker 2: like you know, I might see you in the bathroom

447
00:21:22,359 --> 00:21:24,480
Speaker 2: and say, C choose and we could talk about that.

448
00:21:25,000 --> 00:21:28,520
Speaker 2: But I'm never good at like talking about my business

449
00:21:28,560 --> 00:21:31,600
Speaker 2: in like business settings. I'm always I always feel so

450
00:21:31,800 --> 00:21:35,200
Speaker 2: awkward or shy and yeah, so uh uh, I don't

451
00:21:35,200 --> 00:21:37,920
Speaker 2: even network. I'm the worst. I'm always like I always

452
00:21:37,960 --> 00:21:39,879
Speaker 2: feel like my cards are all bent up at the

453
00:21:39,960 --> 00:21:44,640
Speaker 2: edges and I'm always apologizing for them looking raggedy.

454
00:21:44,840 --> 00:21:46,879
Speaker 1: Itself is important, I feel like, and I think that

455
00:21:46,960 --> 00:21:49,639
Speaker 1: it's something that we force ourselves to do it sometimes

456
00:21:49,680 --> 00:21:51,639
Speaker 1: for a reason, right, Like it's why don't we go

457
00:21:51,640 --> 00:21:55,160
Speaker 1: to FENCLN every year? That'shit stressful, so but we get

458
00:21:55,400 --> 00:21:57,679
Speaker 1: we get through it. It is networking. But you know,

459
00:21:57,880 --> 00:22:00,320
Speaker 1: sometimes you go and some people know you all and

460
00:22:00,359 --> 00:22:03,520
Speaker 1: that sort of helps break the ice. And I truly

461
00:22:03,600 --> 00:22:05,840
Speaker 1: feel like, especially if you feel like you're not getting

462
00:22:05,840 --> 00:22:07,240
Speaker 1: where you want to get in your career and you

463
00:22:07,320 --> 00:22:09,959
Speaker 1: need to. And we always talk about having a mentor

464
00:22:10,080 --> 00:22:12,119
Speaker 1: someone who's higher than you, Well, sometimes you got to

465
00:22:12,160 --> 00:22:15,480
Speaker 1: put yourself in their path, unfortunately, which happens to be

466
00:22:15,520 --> 00:22:17,600
Speaker 1: networking events. Sometimes put yourself in front of them to

467
00:22:17,680 --> 00:22:20,520
Speaker 1: kind of make that connection. I do, however, feel like

468
00:22:20,560 --> 00:22:23,600
Speaker 1: some people need to be trained. Yes, some people who

469
00:22:23,600 --> 00:22:25,679
Speaker 1: have no social skills and are looking over their shoulder

470
00:22:25,680 --> 00:22:27,280
Speaker 1: while they're talking to you very rudely.

471
00:22:27,440 --> 00:22:29,920
Speaker 2: Quite bad is or just like people who are making

472
00:22:29,920 --> 00:22:31,760
Speaker 2: it clear that they don't like I remember, like at

473
00:22:32,080 --> 00:22:34,080
Speaker 2: a networking event, I was talking to this guy who's

474
00:22:34,280 --> 00:22:37,040
Speaker 2: fairly popular in our in our field, and so everybody

475
00:22:37,080 --> 00:22:39,639
Speaker 2: knows him, everybody loves him, he's great, and so he

476
00:22:39,760 --> 00:22:42,520
Speaker 2: was talking to another guy who was clearly kind of like,

477
00:22:42,640 --> 00:22:45,440
Speaker 2: you know, sweating him for lack of a better word,

478
00:22:45,520 --> 00:22:47,639
Speaker 2: like I'm like, God, you're so amazing, blah blah blah.

479
00:22:47,640 --> 00:22:49,119
Speaker 2: And so I came over to the guy just to

480
00:22:49,119 --> 00:22:51,120
Speaker 2: say hi, the guy that I knew, the popular guy,

481
00:22:51,720 --> 00:22:54,000
Speaker 2: and the other guy was kind of like rolling his eyes,

482
00:22:54,080 --> 00:22:57,119
Speaker 2: like who's this chick? Like whatever. And it wasn't until

483
00:22:57,280 --> 00:22:59,280
Speaker 2: mister popular was like, oh my god, tif, I'm so

484
00:22:59,320 --> 00:23:01,520
Speaker 2: proud of you for doing this. Is that I've been following,

485
00:23:01,800 --> 00:23:04,560
Speaker 2: you know, let's hang out. Let's then all of a sudden,

486
00:23:04,720 --> 00:23:07,159
Speaker 2: mister I didn't care about Tiffany was like he perked up,

487
00:23:07,160 --> 00:23:11,800
Speaker 2: and I was like, too little, too late, dude. But

488
00:23:11,880 --> 00:23:14,159
Speaker 2: I just thought that was so crazy that, like, you know,

489
00:23:14,240 --> 00:23:16,160
Speaker 2: I get it. Don't get me wrong. If Oprah walks

490
00:23:16,160 --> 00:23:17,600
Speaker 2: into the room, I get it. You know, we all

491
00:23:17,640 --> 00:23:20,520
Speaker 2: want to talk to Oprah. But the thing is that

492
00:23:20,840 --> 00:23:24,920
Speaker 2: being like having manners has nothing to do with whether

493
00:23:25,000 --> 00:23:26,680
Speaker 2: or not you think I'm important or not. Like that's

494
00:23:26,760 --> 00:23:32,680
Speaker 2: just basic, like just basic, I don't know, decent human sye,

495
00:23:32,760 --> 00:23:34,880
Speaker 2: like decent human basic human decency.

496
00:23:35,080 --> 00:23:37,960
Speaker 1: There you go make a big Latin too that right.

497
00:23:38,080 --> 00:23:40,160
Speaker 2: I just don't get it. You can't just say hello,

498
00:23:40,200 --> 00:23:42,080
Speaker 2: how are you look me in the eye. We don't

499
00:23:42,080 --> 00:23:44,240
Speaker 2: have to be BFFs. I just think that that's just.

500
00:23:44,560 --> 00:23:47,480
Speaker 1: You should treat every person like a person, like yeah,

501
00:23:47,680 --> 00:23:49,600
Speaker 1: maybe they're not the person you want. Maybe the person

502
00:23:49,640 --> 00:23:51,200
Speaker 1: you want to talk to you is standing right behind

503
00:23:51,240 --> 00:23:52,600
Speaker 1: them and you know they're about to leave and you're

504
00:23:52,640 --> 00:23:54,760
Speaker 1: desperate to give them your phone, your card, and the

505
00:23:54,760 --> 00:23:56,640
Speaker 1: person standing in front of you is just going on

506
00:23:56,760 --> 00:23:59,760
Speaker 1: and on and on about this summer internship, and you

507
00:23:59,800 --> 00:24:04,280
Speaker 1: know that is an unfortunate situation. But practice extracting yourself,

508
00:24:04,320 --> 00:24:06,239
Speaker 1: you know, say, oh, I'm so sorry, but I have

509
00:24:06,280 --> 00:24:08,400
Speaker 1: to run, here's my card. Reach out to me any

510
00:24:08,440 --> 00:24:10,880
Speaker 1: time I really enjoy talking to you, and say their

511
00:24:10,960 --> 00:24:14,000
Speaker 1: name because they know they've told you their name, and

512
00:24:14,280 --> 00:24:16,640
Speaker 1: get out of there, you know, but don't look over

513
00:24:16,680 --> 00:24:18,440
Speaker 1: your shoulder at the next person. It just makes people

514
00:24:18,440 --> 00:24:19,119
Speaker 1: feel like crap.

515
00:24:19,680 --> 00:24:22,480
Speaker 2: Yeah, so I'm taking a brown break from networking. Not

516
00:24:22,920 --> 00:24:26,080
Speaker 2: that you should network, you should, but just networking in

517
00:24:26,080 --> 00:24:28,119
Speaker 2: that way, which just makes you feel even more uncomfortable,

518
00:24:28,160 --> 00:24:31,359
Speaker 2: like maybe I'm not important And just on second thought,

519
00:24:31,600 --> 00:24:33,400
Speaker 2: like I always say to myself when people act as if,

520
00:24:33,440 --> 00:24:35,720
Speaker 2: like you know, someone in the room is so important,

521
00:24:35,800 --> 00:24:37,800
Speaker 2: I think to myself, Man, if you are having a

522
00:24:37,800 --> 00:24:40,080
Speaker 2: heart attack right now, I'm pretty sure you wouldn't care

523
00:24:40,119 --> 00:24:42,320
Speaker 2: that Oprah's in the room. You want a doctor. That

524
00:24:42,480 --> 00:24:46,040
Speaker 2: importance really is relative, like you know what I mean,

525
00:24:46,040 --> 00:24:48,840
Speaker 2: Like we put importance on certain people, but in this setting,

526
00:24:49,480 --> 00:24:51,719
Speaker 2: you know, but maybe not in every setting, to remind

527
00:24:51,720 --> 00:24:55,119
Speaker 2: yourself that you know that we all have value, and

528
00:24:55,160 --> 00:24:57,840
Speaker 2: to value you know everyone, Like if something spills and

529
00:24:57,880 --> 00:25:00,360
Speaker 2: you don't want to fall. The janitor is important, don't

530
00:25:00,400 --> 00:25:02,560
Speaker 2: treat him like that, or like you know your waiter

531
00:25:03,160 --> 00:25:06,160
Speaker 2: she's important too, don't talk to her crazy. Just remembering

532
00:25:06,240 --> 00:25:08,320
Speaker 2: that people are people. Oprah's a person, but she's not

533
00:25:08,440 --> 00:25:10,520
Speaker 2: the most important person in the world. She might not

534
00:25:10,560 --> 00:25:12,920
Speaker 2: even be the most important person in the room depending

535
00:25:12,960 --> 00:25:15,399
Speaker 2: on what's going down. So just be mindful. You know,

536
00:25:15,440 --> 00:25:17,359
Speaker 2: I'm a little sassy moved today, and.

537
00:25:17,840 --> 00:25:20,480
Speaker 1: Yeah, and be strategic about the networking. I think the

538
00:25:20,520 --> 00:25:22,360
Speaker 1: older you get, the more experienced you get, you learn

539
00:25:22,359 --> 00:25:24,359
Speaker 1: which networking events are worth it and which are not

540
00:25:24,480 --> 00:25:28,240
Speaker 1: worth it. Smaller networking events are always much better, I

541
00:25:28,240 --> 00:25:31,399
Speaker 1: would think, Sure, a little small situations, and then you know,

542
00:25:31,760 --> 00:25:34,520
Speaker 1: if Oprah's in the room, Oprah didn't get there by herself,

543
00:25:34,560 --> 00:25:37,040
Speaker 1: and Oprah has no time for you, it's likely, So

544
00:25:37,160 --> 00:25:39,480
Speaker 1: focus on who she's worked with throughout her career. Maybe

545
00:25:39,520 --> 00:25:43,080
Speaker 1: get somewhere like six degrees from Oprah. Mm hmmm, that

546
00:25:43,080 --> 00:25:44,760
Speaker 1: can get you in the door a little bit quicker.

547
00:25:45,280 --> 00:25:45,800
Speaker 2: Exactly.

548
00:25:45,840 --> 00:25:46,679
Speaker 1: That's my little two.

549
00:25:46,560 --> 00:25:49,600
Speaker 2: Sons So what about you? What are you brown breaking from?

550
00:25:50,119 --> 00:25:51,760
Speaker 1: I want a brown break. So this has been something

551
00:25:51,760 --> 00:25:53,879
Speaker 1: that's been building up for a few weeks now with me.

552
00:25:54,480 --> 00:25:56,120
Speaker 1: As you know, I'm sort of I'm trying to plan

553
00:25:56,200 --> 00:26:01,399
Speaker 1: a wedding. Oh it's really stressful. But what's not making

554
00:26:01,400 --> 00:26:03,520
Speaker 1: it any more fun? Okay, when I say I'm planning,

555
00:26:03,520 --> 00:26:05,280
Speaker 1: what I've basically done is I followed a bunch of

556
00:26:05,280 --> 00:26:09,280
Speaker 1: bridal blogs in like bridle shops on Instagram. That's the

557
00:26:09,280 --> 00:26:12,480
Speaker 1: extent of my planning so far. I'm feeling good about it,

558
00:26:13,640 --> 00:26:16,959
Speaker 1: except it's boggling to my mind. And maybe I'm being

559
00:26:17,080 --> 00:26:19,520
Speaker 1: naive here, but it is boggling to me that I'll

560
00:26:19,520 --> 00:26:23,119
Speaker 1: go through one bridle designer's Instagram page or one bridle

561
00:26:23,160 --> 00:26:27,240
Speaker 1: blog their whole Instagram page, and I will maybe and

562
00:26:27,280 --> 00:26:29,679
Speaker 1: I one person I went through a year of post

563
00:26:30,160 --> 00:26:33,720
Speaker 1: I counted two two women of color that I could

564
00:26:33,720 --> 00:26:36,840
Speaker 1: tell just be looking at face value on their entire

565
00:26:36,920 --> 00:26:40,040
Speaker 1: and every single picture is a beautiful white or you know,

566
00:26:40,400 --> 00:26:43,439
Speaker 1: a fair skinned woman wearing a wedding gown. And it

567
00:26:43,480 --> 00:26:46,439
Speaker 1: is just it makes my blood curdle because I'm like,

568
00:26:47,000 --> 00:26:50,720
Speaker 1: do brown women not get freaking married? I mean, what

569
00:26:50,880 --> 00:26:54,400
Speaker 1: is happening? And do you not want me to want

570
00:26:54,440 --> 00:26:57,280
Speaker 1: to come by your expensive wedding gown? How could you

571
00:26:57,400 --> 00:27:00,800
Speaker 1: shut out an entire part of your audience? And I

572
00:27:00,880 --> 00:27:02,840
Speaker 1: just think it's so short sighted and it makes me

573
00:27:02,920 --> 00:27:07,000
Speaker 1: pissed off because in this day and age, it shocks

574
00:27:07,080 --> 00:27:10,000
Speaker 1: me that you would have the lack of thought and

575
00:27:10,040 --> 00:27:14,080
Speaker 1: consideration to put forth. You know some brides that look

576
00:27:14,200 --> 00:27:15,879
Speaker 1: like the brides I see in America?

577
00:27:16,440 --> 00:27:20,720
Speaker 2: Yeah, honestly that's why. So I remember my cousin Jackie.

578
00:27:20,800 --> 00:27:23,280
Speaker 2: She got married I don't even know how many years ago,

579
00:27:23,880 --> 00:27:25,840
Speaker 2: maybe like ten years ago, I don't know. And so

580
00:27:25,920 --> 00:27:28,159
Speaker 2: when she got married, she noticed, you know, they're like

581
00:27:28,240 --> 00:27:31,280
Speaker 2: no black bridal magazines. And so a few years after

582
00:27:31,320 --> 00:27:34,160
Speaker 2: getting married, one day she decided, you know what I'm

583
00:27:34,160 --> 00:27:37,919
Speaker 2: gonna I'm going to start something for black brides, specifically

584
00:27:37,960 --> 00:27:40,199
Speaker 2: because we're African. She wanted to start something for African

585
00:27:40,240 --> 00:27:44,480
Speaker 2: brides because there's a whole set of cultural norms that's

586
00:27:44,520 --> 00:27:47,840
Speaker 2: definitely not reflected in the bridal industry. And so she

587
00:27:47,920 --> 00:27:51,000
Speaker 2: started this magazine called Munuluchi Bridle. She literally had no

588
00:27:51,040 --> 00:27:54,920
Speaker 2: publishing experience. She had like she was actually in the

589
00:27:54,960 --> 00:27:58,719
Speaker 2: like medical technology field, and she taught herself how to

590
00:27:58,840 --> 00:28:03,600
Speaker 2: use like online publisher and somehow, because Jackie is just

591
00:28:03,640 --> 00:28:07,399
Speaker 2: like a dope chick, she convinced Barnes and Nobles to

592
00:28:07,560 --> 00:28:11,080
Speaker 2: carry this magazine that she created herself, and they said yes,

593
00:28:12,000 --> 00:28:13,919
Speaker 2: and so there was born. It was honestly not that

594
00:28:13,920 --> 00:28:15,960
Speaker 2: many years ago, maybe two thousand, I want to say

595
00:28:15,960 --> 00:28:20,439
Speaker 2: two thousand and seven maybe, And it's just so crazy,

596
00:28:20,440 --> 00:28:23,080
Speaker 2: because she said, how crazy is it? In like two

597
00:28:23,200 --> 00:28:25,160
Speaker 2: thousand and seven, two thousand and eight, there were no

598
00:28:25,400 --> 00:28:29,560
Speaker 2: black bridle magazines, and so what she decided after a while,

599
00:28:29,600 --> 00:28:32,199
Speaker 2: she realized that so many brides were like, wait, I

600
00:28:32,240 --> 00:28:35,520
Speaker 2: want to be represented too. I'm basically not white, and

601
00:28:35,600 --> 00:28:38,200
Speaker 2: so she expanded the vision of Munuluchi not to just

602
00:28:38,240 --> 00:28:42,000
Speaker 2: include African brides, but brides of color. So you'll see

603
00:28:42,000 --> 00:28:44,560
Speaker 2: Indian Yeah, like it's just so dope. You'll see Indian brides,

604
00:28:44,600 --> 00:28:48,760
Speaker 2: You'll see couples who maybe the groom is white, the

605
00:28:50,040 --> 00:28:53,880
Speaker 2: bride is you know, Afghany, Like, you'll just see just

606
00:28:54,000 --> 00:28:57,280
Speaker 2: a wide range of colors and it's just beautifully done

607
00:28:57,720 --> 00:29:00,760
Speaker 2: and it's done really well, and it's just a shame

608
00:29:00,800 --> 00:29:04,680
Speaker 2: that there are not more publications like that that represent

609
00:29:05,160 --> 00:29:09,360
Speaker 2: just other other cultures, you know, because we get married. Hello,

610
00:29:10,280 --> 00:29:12,480
Speaker 2: And you would think that after she came out and

611
00:29:12,520 --> 00:29:14,800
Speaker 2: has done so well because her first I think her

612
00:29:14,840 --> 00:29:16,840
Speaker 2: first kind of like I forgot what they call it

613
00:29:16,880 --> 00:29:20,120
Speaker 2: when not rotation, but like her first issue, they told

614
00:29:20,160 --> 00:29:23,120
Speaker 2: her not to not to distribute more than just a

615
00:29:23,120 --> 00:29:25,840
Speaker 2: few thousand copies, and I think she ordered like ten

616
00:29:25,880 --> 00:29:28,280
Speaker 2: thousand and they sold out within a couple of days,

617
00:29:28,360 --> 00:29:31,200
Speaker 2: and they Barnes and Nobles, everybody was blown away. They

618
00:29:31,240 --> 00:29:34,440
Speaker 2: couldn't believe it and surprised me at all, Yeah, because

619
00:29:34,440 --> 00:29:37,440
Speaker 2: it was like my face is that expert for it?

620
00:29:37,480 --> 00:29:41,200
Speaker 1: I'm just just And the brides are gorgeous and I

621
00:29:41,560 --> 00:29:44,160
Speaker 1: love that they're multicultural, and thank you for turning me

622
00:29:44,200 --> 00:29:47,000
Speaker 1: on to them even before I got engaged. Muna again,

623
00:29:47,040 --> 00:29:50,480
Speaker 1: it's Muna Lucci. Yea m u n a l u

624
00:29:50,600 --> 00:29:53,400
Speaker 1: c Hi. If you're a brown bride to be or

625
00:29:53,440 --> 00:29:55,400
Speaker 1: you want to be one day, check out their blog.

626
00:29:55,960 --> 00:29:58,360
Speaker 1: And the only besides Muna Lucci, the only other one

627
00:29:58,400 --> 00:30:02,040
Speaker 1: I think that I've seen is black Bride okay dot com.

628
00:30:02,080 --> 00:30:04,280
Speaker 1: And I will say that the knot has gotten a

629
00:30:04,320 --> 00:30:06,400
Speaker 1: bit better. Their instagram could be more diverse than not.

630
00:30:06,520 --> 00:30:10,120
Speaker 1: Dot com is like the Bridal website to whatever, but

631
00:30:10,400 --> 00:30:12,680
Speaker 1: and their websites a little good, but they could use

632
00:30:12,680 --> 00:30:14,640
Speaker 1: some work. I just want people just to hire me

633
00:30:14,680 --> 00:30:16,680
Speaker 1: as a consultant or something like, let me pick some

634
00:30:16,720 --> 00:30:19,200
Speaker 1: brown there are, you know, my favorite thing to do

635
00:30:19,240 --> 00:30:21,719
Speaker 1: at work. People don't realize this, but a lot of

636
00:30:21,760 --> 00:30:27,320
Speaker 1: publications use stock images for their websites. Yeah, you can

637
00:30:27,360 --> 00:30:30,480
Speaker 1: go onto shutter stock or think stock or whatever stock

638
00:30:30,480 --> 00:30:32,360
Speaker 1: image site and they have a box you can click

639
00:30:32,400 --> 00:30:37,360
Speaker 1: that says multicultural, diverse, multicultural, different ethnicities you can choose,

640
00:30:37,360 --> 00:30:38,760
Speaker 1: And I feel like that people just don't like to

641
00:30:38,800 --> 00:30:40,040
Speaker 1: take that extra step.

642
00:30:41,200 --> 00:30:44,920
Speaker 2: And which is really a shame because it's like, you know,

643
00:30:45,240 --> 00:30:48,120
Speaker 2: the world is getting more and more brown, to be honest,

644
00:30:48,200 --> 00:30:51,479
Speaker 2: and so if you're not reflecting that in your company,

645
00:30:51,560 --> 00:30:54,320
Speaker 2: your business, whether it's frides or otherwise, then you're missing

646
00:30:54,320 --> 00:30:55,479
Speaker 2: out on a huge market.

647
00:30:55,560 --> 00:30:59,400
Speaker 1: You know, not everything is white and pastel and just

648
00:31:00,080 --> 00:31:04,720
Speaker 1: void of interestingness. So that's kind of but anyway, I'm

649
00:31:04,720 --> 00:31:07,080
Speaker 1: going to have a beautiful brown wedding, and you know,

650
00:31:07,120 --> 00:31:09,920
Speaker 1: I look at my guest list and they're diverse, and

651
00:31:10,240 --> 00:31:12,360
Speaker 1: I desperately want to see other examples of that, so

652
00:31:12,400 --> 00:31:15,040
Speaker 1: I can see how do I incorporate the Dominican, the

653
00:31:15,080 --> 00:31:18,440
Speaker 1: African American, you know, the Catholosis and the Christianity. How

654
00:31:18,440 --> 00:31:21,240
Speaker 1: do I incorporate all that into one wedding? And so

655
00:31:21,400 --> 00:31:23,360
Speaker 1: I'm grateful to Mooi Leachi for that. But I'm taking

656
00:31:23,360 --> 00:31:27,440
Speaker 1: a brown break from every other bridal website out there.

657
00:31:29,000 --> 00:31:35,080
Speaker 2: Shade upon you, right, I curse you with ten years

658
00:31:35,360 --> 00:31:36,720
Speaker 2: of shade and reading.

659
00:31:49,560 --> 00:31:53,200
Speaker 1: But that's all for brown break this week. Yes, and

660
00:31:53,240 --> 00:31:55,120
Speaker 1: now I'm going to go straight into our interview with

661
00:31:55,160 --> 00:31:57,560
Speaker 1: Miss Ajia McClanahan. I hope you guys enjoy it. And

662
00:31:57,600 --> 00:32:00,800
Speaker 1: if you have any questions or uh questions of your

663
00:32:00,800 --> 00:32:02,600
Speaker 1: own that you want to send us, tell them how

664
00:32:02,640 --> 00:32:04,479
Speaker 1: to get in touch with us TIF.

665
00:32:04,520 --> 00:32:08,680
Speaker 2: They can get in touch with us on Twitter at

666
00:32:08,720 --> 00:32:09,640
Speaker 2: the BA podcast.

667
00:32:09,800 --> 00:32:11,600
Speaker 1: I love it. I love telling you to tell you

668
00:32:11,640 --> 00:32:12,400
Speaker 1: have our inpos.

669
00:32:12,440 --> 00:32:18,000
Speaker 2: I had the BA podcast on Facebook at Brown Ambition

670
00:32:18,920 --> 00:32:22,680
Speaker 2: and on Gmail that I always forget that. Maddy's going

671
00:32:22,720 --> 00:32:23,040
Speaker 2: to give to.

672
00:32:23,040 --> 00:32:26,920
Speaker 1: You Brown Ambition Podcast at gmail dot com. That's where

673
00:32:26,920 --> 00:32:28,720
Speaker 1: we like to get questions. You can really, like you know,

674
00:32:28,800 --> 00:32:31,400
Speaker 1: write to your heart's content. I love getting questions. We

675
00:32:31,440 --> 00:32:33,560
Speaker 1: have a couple of good ones. We'll answer on next

676
00:32:33,560 --> 00:32:36,440
Speaker 1: week's show, but in the meantime, enjoy this interview with

677
00:32:36,560 --> 00:32:39,160
Speaker 1: Ajia McClanahan and see how she paid off more than

678
00:32:39,160 --> 00:32:50,440
Speaker 1: one hundred thousand dollars worth of debt. All right, Brown Ambition, fam.

679
00:32:50,600 --> 00:32:52,800
Speaker 1: I am really excited this week to have a very

680
00:32:52,800 --> 00:32:57,040
Speaker 1: special guest with us because she brings the reality to

681
00:32:57,120 --> 00:33:00,200
Speaker 1: real estate. I love speaking with her and I can't

682
00:33:00,200 --> 00:33:02,080
Speaker 1: wait for you guys to hear from her. Her name

683
00:33:02,120 --> 00:33:06,000
Speaker 1: is Aza McClanahan. She authored the book Debt Free in

684
00:33:06,160 --> 00:33:09,480
Speaker 1: twenty four Hours, which you can find on Amazon dot com.

685
00:33:09,760 --> 00:33:12,680
Speaker 1: Aja knows so much about getting debt free because she

686
00:33:12,800 --> 00:33:15,440
Speaker 1: went from one hundred and ten thousand dollars worth of

687
00:33:15,480 --> 00:33:18,160
Speaker 1: debt down to nothing, and she did it in a

688
00:33:18,200 --> 00:33:22,239
Speaker 1: really interesting way by choosing on purpose to move to

689
00:33:22,280 --> 00:33:26,480
Speaker 1: what she lovingly calls the hood, Englewood, Chicago. Aja, thank

690
00:33:26,520 --> 00:33:28,680
Speaker 1: you so much for joining us on Brown Ambition.

691
00:33:29,280 --> 00:33:31,360
Speaker 3: Thanks for having me, Mandy, this is going to be fun.

692
00:33:31,840 --> 00:33:33,920
Speaker 1: I'm already excited, and I forgot to mention you also

693
00:33:34,320 --> 00:33:37,720
Speaker 1: founded the blog Principles of Increase dot com. Right, yep,

694
00:33:37,800 --> 00:33:40,760
Speaker 1: that's me excellent. Well, I just want to jump right

695
00:33:40,840 --> 00:33:42,680
Speaker 1: in Aja, Tell me what you mean when you say

696
00:33:43,040 --> 00:33:44,800
Speaker 1: that you took a hand me down house in the

697
00:33:44,800 --> 00:33:47,000
Speaker 1: hood to help you pay off your debt. You and

698
00:33:47,000 --> 00:33:47,560
Speaker 1: your husband.

699
00:33:48,440 --> 00:33:51,320
Speaker 3: Yeah, So, when just to kind of backtrack, be my

700
00:33:51,400 --> 00:33:53,959
Speaker 3: husband and I got married, we had over sixty thousand

701
00:33:54,000 --> 00:33:57,160
Speaker 3: dollars a student loan debt, and then we, you know,

702
00:33:57,280 --> 00:34:00,440
Speaker 3: very intelligently, took on, you know, an additional you know,

703
00:34:00,520 --> 00:34:06,000
Speaker 3: thirty forty fifty, you know, sixty thousand. So we had

704
00:34:06,040 --> 00:34:09,880
Speaker 3: debt at different amounts and it probably totaled, you know,

705
00:34:09,920 --> 00:34:12,160
Speaker 3: around one hundred thousand, a little bit more than that,

706
00:34:13,040 --> 00:34:15,719
Speaker 3: and we were just drowning. We were on one income.

707
00:34:16,239 --> 00:34:18,120
Speaker 3: I knew that I want to stay home with my kids.

708
00:34:18,160 --> 00:34:20,440
Speaker 3: That was like a non negotiable. But you know, we

709
00:34:20,480 --> 00:34:23,920
Speaker 3: had all this debt, We had garnishments collectors, like everything

710
00:34:23,920 --> 00:34:26,799
Speaker 3: that could go wrong financially was going wrong. And in

711
00:34:26,800 --> 00:34:30,680
Speaker 3: two thousand and nine, one of our relatives, a relative

712
00:34:30,719 --> 00:34:34,240
Speaker 3: of mine, inherited a house in quote unquote the hood.

713
00:34:34,360 --> 00:34:36,200
Speaker 3: And I have to say the hood. I don't believe.

714
00:34:36,239 --> 00:34:39,200
Speaker 3: I don't like saying that because it sounds, you know,

715
00:34:39,280 --> 00:34:41,880
Speaker 3: kind of derogatory, but I need I want people to

716
00:34:42,040 --> 00:34:44,680
Speaker 3: know kind of the magnitude or the decision that we made.

717
00:34:44,719 --> 00:34:47,200
Speaker 3: We we live in the hood. If you've heard of

718
00:34:47,239 --> 00:34:51,200
Speaker 3: the term shyraq, you know that's that's We're the neighborhood

719
00:34:51,239 --> 00:34:52,520
Speaker 3: that coined that term.

720
00:34:52,760 --> 00:34:54,480
Speaker 1: If anyone's going to use the word the hood, I

721
00:34:54,480 --> 00:34:56,960
Speaker 1: feel like in this case you should be able to.

722
00:34:57,800 --> 00:35:00,640
Speaker 3: Yeah. But this so we decide I had to take

723
00:35:00,760 --> 00:35:03,560
Speaker 3: this home that the relatives you know who inherit this house,

724
00:35:03,560 --> 00:35:06,080
Speaker 3: They're like, I live in the cushy suburbs. I don't

725
00:35:06,080 --> 00:35:07,440
Speaker 3: want to live in the hood. You know, I have

726
00:35:07,560 --> 00:35:10,200
Speaker 3: kids who are in a nice school system. And at

727
00:35:10,200 --> 00:35:12,600
Speaker 3: first we were like, you know, this is a stupid idea.

728
00:35:12,640 --> 00:35:17,400
Speaker 3: We never we never do that. But you know, my

729
00:35:17,520 --> 00:35:20,000
Speaker 3: husband and I had we actually had this conversation like

730
00:35:20,239 --> 00:35:22,560
Speaker 3: are we going to be those people that get that

731
00:35:22,640 --> 00:35:24,960
Speaker 3: thirty year mortgage on a house or a condo? And

732
00:35:25,600 --> 00:35:28,200
Speaker 3: we were like, no, we don't think that's us. And

733
00:35:28,239 --> 00:35:30,440
Speaker 3: so we were like, we want a house, but we

734
00:35:30,440 --> 00:35:32,040
Speaker 3: don't want a mortgage. We don't know how that's going

735
00:35:32,080 --> 00:35:34,080
Speaker 3: to happen. If we have to save or wait till

736
00:35:34,080 --> 00:35:37,040
Speaker 3: we're sixty, we'll do that. But this opportunity came up,

737
00:35:37,080 --> 00:35:39,520
Speaker 3: and so It actually took a couple of weeks for us.

738
00:35:39,600 --> 00:35:41,799
Speaker 3: You know, we're Christians, so we prayed about it, we

739
00:35:41,880 --> 00:35:43,920
Speaker 3: thought about it, and you know, we went through that

740
00:35:43,960 --> 00:35:47,560
Speaker 3: whole thing and we had peace about it. So we

741
00:35:47,880 --> 00:35:49,840
Speaker 3: actually said yes to the house.

742
00:35:50,080 --> 00:35:52,399
Speaker 1: You know, and at this point your girls are how old?

743
00:35:52,960 --> 00:35:56,360
Speaker 3: Oh, they were young. I think my youngest was one,

744
00:35:56,680 --> 00:35:59,960
Speaker 3: and so my oldest must have been like three or four.

745
00:36:00,719 --> 00:36:02,839
Speaker 3: And so this was I mean, just just to kind

746
00:36:02,840 --> 00:36:06,279
Speaker 3: of backtrack, this was it was serious because when we

747
00:36:06,320 --> 00:36:08,560
Speaker 3: moved in, there were bullet holes in the back door.

748
00:36:08,719 --> 00:36:14,560
Speaker 3: So like this, this was a really serious decision for us.

749
00:36:14,880 --> 00:36:17,839
Speaker 3: But it you know, we've been safe ever since and

750
00:36:18,000 --> 00:36:20,680
Speaker 3: we actually enjoyed the quality of life that we have now.

751
00:36:20,719 --> 00:36:23,760
Speaker 3: We actually paid off all of our debt in twenty thirteen.

752
00:36:24,200 --> 00:36:26,440
Speaker 1: Congratulations, Yeah, thank you.

753
00:36:26,520 --> 00:36:29,680
Speaker 3: We're totally debt free and go ahead.

754
00:36:30,280 --> 00:36:34,000
Speaker 1: I know that getting a house for basically nothing is

755
00:36:34,000 --> 00:36:36,319
Speaker 1: obviously one great way to start paying off debt, but

756
00:36:36,360 --> 00:36:38,520
Speaker 1: you still had to make a lot of sacrifices. So

757
00:36:38,560 --> 00:36:41,480
Speaker 1: can you talk to me about your getting out of

758
00:36:41,520 --> 00:36:44,400
Speaker 1: debt journey? But the you know, four plus years it

759
00:36:44,400 --> 00:36:47,239
Speaker 1: took you guys to whittle down that six figure debt.

760
00:36:47,880 --> 00:36:50,640
Speaker 3: Yeah, so that was Oh my goodness. That's why I

761
00:36:50,640 --> 00:36:53,360
Speaker 3: wrote a book about it. It was it was pretty involved.

762
00:36:53,400 --> 00:36:56,000
Speaker 3: So during that time we were actually cash flowing the

763
00:36:56,000 --> 00:36:59,200
Speaker 3: renovations on the house. It wasn't like totally moving ready.

764
00:36:59,680 --> 00:37:02,640
Speaker 3: We were also cash flowing some private school, which was

765
00:37:02,920 --> 00:37:04,920
Speaker 3: very very expensive. Looking back, I don't know if we

766
00:37:04,920 --> 00:37:08,479
Speaker 3: should have done that, but hey. And then on top

767
00:37:08,520 --> 00:37:11,680
Speaker 3: of that, I was kind of supporting a fledgling business.

768
00:37:11,840 --> 00:37:13,920
Speaker 3: But it was the business. Actually it was pretty it

769
00:37:13,960 --> 00:37:17,719
Speaker 3: wasn't capital intensive, so it was really one of the

770
00:37:17,760 --> 00:37:20,200
Speaker 3: game changers for us to get out of debt. So

771
00:37:20,760 --> 00:37:26,160
Speaker 3: we're those Dave Ramsey debt snowball people, and so that's

772
00:37:26,160 --> 00:37:30,200
Speaker 3: that's kind of the method that we used. We you know, budgeted, we.

773
00:37:30,640 --> 00:37:34,879
Speaker 1: Uh snowball method. I've talked about the snowball I feel

774
00:37:34,880 --> 00:37:38,719
Speaker 1: like Dave Ramsey's advice is so prolific that I knew

775
00:37:38,719 --> 00:37:41,319
Speaker 1: about the snowball method without even knowing, like it was

776
00:37:41,400 --> 00:37:44,160
Speaker 1: Dave Ramsey's thing. But that's the isn't that the idea

777
00:37:44,200 --> 00:37:46,920
Speaker 1: where you start with your small your the debt with

778
00:37:46,960 --> 00:37:50,440
Speaker 1: the lowest interest rate first, and then you continue kind

779
00:37:50,480 --> 00:37:51,960
Speaker 1: of paying it off one by one by one.

780
00:37:52,640 --> 00:37:55,840
Speaker 3: Yeah. So actually the snow I think they called that

781
00:37:55,920 --> 00:37:58,680
Speaker 3: the avalanche method, when you start with the not to

782
00:37:58,680 --> 00:38:01,520
Speaker 3: be technical, but with the lowest interest rate. Actually his

783
00:38:01,520 --> 00:38:04,359
Speaker 3: his idea is to start with just the smallest debt,

784
00:38:04,640 --> 00:38:07,120
Speaker 3: so you don't really have any regard for interest rates here.

785
00:38:07,160 --> 00:38:11,080
Speaker 3: And it seems counterintuitive, but what it does is psychologically

786
00:38:11,160 --> 00:38:13,560
Speaker 3: it just gives you those small winds. So it's, you know,

787
00:38:13,600 --> 00:38:15,480
Speaker 3: in the same vein, you start with the smallest debt,

788
00:38:15,719 --> 00:38:17,920
Speaker 3: get rid of that, and when you take the minimum payment,

789
00:38:17,960 --> 00:38:20,319
Speaker 3: once that's done, you know, and apply that to the

790
00:38:20,360 --> 00:38:23,080
Speaker 3: next thing. So at one point we had a debt

791
00:38:23,080 --> 00:38:26,920
Speaker 3: snowball that was like three thousand dollars you know, for

792
00:38:26,960 --> 00:38:29,120
Speaker 3: like a month or you know, a few months, you know,

793
00:38:29,160 --> 00:38:31,640
Speaker 3: when we got towards the end student loan, you know,

794
00:38:31,719 --> 00:38:34,719
Speaker 3: three thousand dollars ballance, Damn, let's pay it off. In

795
00:38:34,760 --> 00:38:37,480
Speaker 3: addition to like all the utilities and other obligations that

796
00:38:37,520 --> 00:38:40,359
Speaker 3: we had. And then I also want to mention that

797
00:38:40,800 --> 00:38:44,640
Speaker 3: twenty twelve, which was like a heat wave for you know,

798
00:38:44,960 --> 00:38:48,439
Speaker 3: the country, especially in Chicago, we actually had our air

799
00:38:48,440 --> 00:38:55,320
Speaker 3: conditioning vandalized and we decided not to get it fixed. Obviously,

800
00:38:55,640 --> 00:39:00,919
Speaker 3: finish our our debt snowball, So how well we got

801
00:39:00,920 --> 00:39:03,520
Speaker 3: different quotes. I think it was like just to replace

802
00:39:03,560 --> 00:39:06,640
Speaker 3: it was like three thousand dollars, was is what everyone

803
00:39:06,800 --> 00:39:09,279
Speaker 3: was telling us. Like maybe three or four years down

804
00:39:09,320 --> 00:39:11,600
Speaker 3: the line, someone finally came in and said, hey, we

805
00:39:11,600 --> 00:39:13,880
Speaker 3: can do it for it for cheap. But at the time,

806
00:39:14,040 --> 00:39:16,520
Speaker 3: all the quotes were like we have to replace everything.

807
00:39:18,200 --> 00:39:20,719
Speaker 3: So yeah, we that was one of those times we

808
00:39:20,719 --> 00:39:22,560
Speaker 3: were like, man, why did we move to the hood,

809
00:39:22,640 --> 00:39:25,440
Speaker 3: Like the if we lived somewhere else, no one would

810
00:39:25,480 --> 00:39:27,680
Speaker 3: like steal a you know, an eight dollar piece of

811
00:39:27,680 --> 00:39:31,920
Speaker 3: copper from our AC and damage it and you know,

812
00:39:32,400 --> 00:39:34,759
Speaker 3: recalled this havock. So we lived through that heat rate

813
00:39:34,840 --> 00:39:37,279
Speaker 3: way without AC. We had like a window unit. We'd

814
00:39:37,280 --> 00:39:40,719
Speaker 3: all cram into one room at night. So what did

815
00:39:40,760 --> 00:39:41,360
Speaker 3: your budget?

816
00:39:41,480 --> 00:39:43,360
Speaker 1: What did your budget look like over this time?

817
00:39:44,719 --> 00:39:48,800
Speaker 3: Uh? Yeah, So we basically I kept a really simple

818
00:39:48,880 --> 00:39:52,359
Speaker 3: budget and Google sheets, so I'm like kind of that

819
00:39:52,440 --> 00:39:55,920
Speaker 3: nerd spreadsheet person. So basically just writing down all of

820
00:39:55,960 --> 00:39:58,680
Speaker 3: our expenses and saying, hey, this is what we have

821
00:39:58,760 --> 00:40:01,239
Speaker 3: to spend for the month and that's it. So we

822
00:40:01,280 --> 00:40:04,719
Speaker 3: would use the envelope system using cash, you know, if

823
00:40:04,719 --> 00:40:06,920
Speaker 3: we budgeted four hundred dollars for food for the month,

824
00:40:07,280 --> 00:40:08,960
Speaker 3: which is actually really low. I wish we had that,

825
00:40:09,120 --> 00:40:12,440
Speaker 3: but you know that that was it, you know, this

826
00:40:12,480 --> 00:40:14,239
Speaker 3: is what we paid out for this, So we cut

827
00:40:14,239 --> 00:40:17,200
Speaker 3: out weird things like we you know, my husband placed

828
00:40:17,239 --> 00:40:21,720
Speaker 3: a moratorium on buying paper towels. We stopped using paper

829
00:40:21,760 --> 00:40:24,920
Speaker 3: towels during that time. We didn't have cable, so we

830
00:40:24,960 --> 00:40:26,960
Speaker 3: didn't make some sacrifices.

831
00:40:28,040 --> 00:40:29,400
Speaker 1: Paper towels are a luxury.

832
00:40:29,680 --> 00:40:30,520
Speaker 3: They truly are.

833
00:40:32,000 --> 00:40:34,800
Speaker 1: Twelve dollars for a pack. I mean, it's crazy.

834
00:40:34,920 --> 00:40:36,279
Speaker 3: I mean, if you're trying to get out of debt,

835
00:40:36,280 --> 00:40:39,319
Speaker 3: it's one of those things that you can forego. I think,

836
00:40:39,520 --> 00:40:41,280
Speaker 3: you know, for a little while, you have to not forever.

837
00:40:43,840 --> 00:40:46,000
Speaker 1: One of the things I like about your story is

838
00:40:46,000 --> 00:40:49,719
Speaker 1: that you took a house that costs no money, and

839
00:40:49,840 --> 00:40:52,399
Speaker 1: yet you didn't immediately start living as if you weren't

840
00:40:52,400 --> 00:40:55,560
Speaker 1: paying the rent. You really had to, like psychologically, you know,

841
00:40:55,760 --> 00:40:58,359
Speaker 1: put all that money toward your debt and probably live

842
00:40:58,400 --> 00:41:01,440
Speaker 1: on a lot, a lot less income than you could do,

843
00:41:01,480 --> 00:41:02,719
Speaker 1: you know what I mean. Like, I feel like a

844
00:41:02,719 --> 00:41:04,520
Speaker 1: lot of people would move to a low income house

845
00:41:04,520 --> 00:41:06,000
Speaker 1: and then be like, oh, I have all this extra

846
00:41:06,040 --> 00:41:08,239
Speaker 1: money to spend well, you know.

847
00:41:08,960 --> 00:41:10,480
Speaker 3: You know, for us to go out and like get

848
00:41:10,480 --> 00:41:13,319
Speaker 3: a Bentley in the hood, you know that really or

849
00:41:13,400 --> 00:41:16,000
Speaker 3: even just a super nice luxury car. You know, you

850
00:41:16,000 --> 00:41:18,920
Speaker 3: don't want to draw too much attention to yourself. So

851
00:41:19,000 --> 00:41:22,080
Speaker 3: for practical reasons, we just didn't like totally ball out,

852
00:41:22,120 --> 00:41:24,319
Speaker 3: and obviously we want to pay down our debt. But

853
00:41:24,480 --> 00:41:27,680
Speaker 3: even today we still kind of live like that because

854
00:41:28,040 --> 00:41:30,360
Speaker 3: all those years we were paying down debt, we weren't

855
00:41:30,360 --> 00:41:33,040
Speaker 3: contributing as much as we could to retirement. So we're

856
00:41:33,160 --> 00:41:36,480
Speaker 3: kind of still we're not it's not as severe, you know,

857
00:41:36,640 --> 00:41:39,840
Speaker 3: the the level of austerity and savings, but we're still

858
00:41:39,960 --> 00:41:42,319
Speaker 3: pretty frugal and we still try to save as much

859
00:41:42,360 --> 00:41:44,400
Speaker 3: as we can every month because of you know, all

860
00:41:44,400 --> 00:41:45,520
Speaker 3: those years we didn't save.

861
00:41:46,080 --> 00:41:48,280
Speaker 1: And does that one hundred and ten thousand dollars include

862
00:41:48,280 --> 00:41:49,200
Speaker 1: your student loan debt?

863
00:41:49,880 --> 00:41:52,400
Speaker 3: Yes, it does. That's the bulk of it. Okay, yeah,

864
00:41:52,440 --> 00:41:54,360
Speaker 3: it was mostly student loans.

865
00:41:54,400 --> 00:41:57,919
Speaker 1: Sadly, I mean, you're not alone, especially when you put

866
00:41:57,960 --> 00:42:01,839
Speaker 1: two people combined with college degrees. Talk to me about

867
00:42:01,840 --> 00:42:04,680
Speaker 1: what's the biggest payment you made, Like, when was the

868
00:42:04,840 --> 00:42:06,799
Speaker 1: biggest chunk where you're like, I thought we were never

869
00:42:06,840 --> 00:42:09,319
Speaker 1: going to get this chunk paid off.

870
00:42:10,120 --> 00:42:13,080
Speaker 3: So it was it was one of our last student

871
00:42:13,120 --> 00:42:16,280
Speaker 3: loan bills, and it was one of my husband's student loans,

872
00:42:17,280 --> 00:42:19,880
Speaker 3: which was like a private student loan. And originally it

873
00:42:19,920 --> 00:42:22,879
Speaker 3: was like twelve thousand dollars, and we negotiated with them

874
00:42:22,880 --> 00:42:25,000
Speaker 3: and they were like, okay, at least pay the principal.

875
00:42:25,080 --> 00:42:27,040
Speaker 3: You know, it was so old, was like ten years old,

876
00:42:27,520 --> 00:42:30,240
Speaker 3: and so we ended up paying like, you know, thirty

877
00:42:30,239 --> 00:42:32,680
Speaker 3: six hundred, negotiating for thirty six hundred, and I want

878
00:42:32,719 --> 00:42:34,799
Speaker 3: to say, the last payment we made on that was

879
00:42:34,960 --> 00:42:38,520
Speaker 3: like three thousand dollars, so that was like our biggest

880
00:42:38,640 --> 00:42:40,400
Speaker 3: debt snowball payment.

881
00:42:41,719 --> 00:42:45,040
Speaker 1: So you negotiated your student loan, your private student loan bill.

882
00:42:45,200 --> 00:42:47,480
Speaker 1: I've talked about this and written about it. I'd love

883
00:42:47,520 --> 00:42:49,840
Speaker 1: for you to talk about that process. How do you

884
00:42:49,880 --> 00:42:52,080
Speaker 1: negotiated that bill down with the private lender?

885
00:42:52,840 --> 00:42:55,520
Speaker 3: It was actually bizarre what happened because we had tried

886
00:42:55,560 --> 00:42:57,759
Speaker 3: to do it maybe three or four years prior, and

887
00:42:57,800 --> 00:43:00,000
Speaker 3: we just couldn't get anything from them. The only thing

888
00:43:00,080 --> 00:43:03,560
Speaker 3: they sent where the original was like the original promisory

889
00:43:03,600 --> 00:43:06,759
Speaker 3: note or something like that, and then that was it.

890
00:43:06,880 --> 00:43:08,640
Speaker 3: We couldn't ever get a hold of them. And then

891
00:43:08,719 --> 00:43:11,160
Speaker 3: maybe four or five years later we got a hold

892
00:43:11,160 --> 00:43:13,080
Speaker 3: of Maybe they were just more desperate for money at

893
00:43:13,120 --> 00:43:15,920
Speaker 3: that time, but I got a hold of them and

894
00:43:16,040 --> 00:43:19,839
Speaker 3: basically over phone an email just said, hey, you know,

895
00:43:20,000 --> 00:43:23,560
Speaker 3: we'll pay cash you know for this, and we took

896
00:43:23,600 --> 00:43:26,719
Speaker 3: out like a four oh one k loan and promptly

897
00:43:26,840 --> 00:43:28,800
Speaker 3: you know, paid it back. It took us, you know

898
00:43:28,800 --> 00:43:30,759
Speaker 3: a few months to pay it back, but because they

899
00:43:30,760 --> 00:43:33,880
Speaker 3: were willing to settle, we did take that loan, and

900
00:43:34,040 --> 00:43:36,240
Speaker 3: you know, it's since been paid back. I wouldn't suggest

901
00:43:36,280 --> 00:43:39,080
Speaker 3: that for everything, you know, don't cash out your for

902
00:43:39,160 --> 00:43:40,920
Speaker 3: a one k, but if you have the option to borrow,

903
00:43:41,360 --> 00:43:42,840
Speaker 3: you can sell a debt and you know you have

904
00:43:42,920 --> 00:43:45,200
Speaker 3: the cash lilt or paid off, you know, it could

905
00:43:45,200 --> 00:43:48,080
Speaker 3: work in some situation. So that's that's pretty much what

906
00:43:48,120 --> 00:43:49,960
Speaker 3: we did, and then you know, paid the balance with

907
00:43:50,000 --> 00:43:55,000
Speaker 3: our debt snowball. But actually was talking to a student

908
00:43:55,040 --> 00:43:58,920
Speaker 3: loan lawyer specialist quote unquote who let me know that

909
00:43:59,080 --> 00:44:02,680
Speaker 3: it was outside potentially outside of the statue of limitations,

910
00:44:02,760 --> 00:44:06,920
Speaker 3: so we didn't really have to pay it. But that

911
00:44:07,120 --> 00:44:09,120
Speaker 3: was like after the fact we had already paid it.

912
00:44:09,160 --> 00:44:11,480
Speaker 3: So I would encourage anyone who's like listening to this

913
00:44:11,560 --> 00:44:13,080
Speaker 3: and you're like, oh, I have some private loan that

914
00:44:13,120 --> 00:44:16,360
Speaker 3: I might negotiate down check and see what your state's

915
00:44:16,400 --> 00:44:18,279
Speaker 3: statue of limitation is. You might have to pay it.

916
00:44:18,320 --> 00:44:20,560
Speaker 3: But for us, it was like, Okay, we did it.

917
00:44:20,640 --> 00:44:22,840
Speaker 3: And then also if he ever wants his transcripts or

918
00:44:22,880 --> 00:44:25,480
Speaker 3: something like that, you know, you can be outside of

919
00:44:25,520 --> 00:44:27,440
Speaker 3: the statue of limitations, but the school doesn't have to

920
00:44:27,480 --> 00:44:29,200
Speaker 3: do anything else for you. They don't have to send

921
00:44:29,239 --> 00:44:32,360
Speaker 3: you transcripts or verify your enrollment or anything. So I

922
00:44:32,360 --> 00:44:35,480
Speaker 3: think it's you know, just good practice to pay your

923
00:44:35,520 --> 00:44:36,120
Speaker 3: debts anyway.

924
00:44:36,239 --> 00:44:39,200
Speaker 1: But you know, if you're yeah, that's absolutely one thing

925
00:44:39,239 --> 00:44:41,279
Speaker 1: to consider it. But that's statute of limitations in most

926
00:44:41,280 --> 00:44:43,839
Speaker 1: states is at least ten years you're talking, and over

927
00:44:43,840 --> 00:44:46,919
Speaker 1: that time, it's likely. I mean, you guys, you talked

928
00:44:46,960 --> 00:44:50,160
Speaker 1: about being in default and having creditors lenders coming after

929
00:44:50,239 --> 00:44:53,360
Speaker 1: you and you know, debt collectors calling. So what was

930
00:44:53,400 --> 00:44:56,200
Speaker 1: the impact of those loans on your credit and what's

931
00:44:56,200 --> 00:44:58,080
Speaker 1: your credit like today versus back then?

932
00:44:59,200 --> 00:45:02,720
Speaker 3: Gosh, you know what, we actually don't really we don't

933
00:45:02,840 --> 00:45:05,080
Speaker 3: use credit for anything we like, we don't have a

934
00:45:05,120 --> 00:45:09,080
Speaker 3: mortgage or so, I actually don't know. I don't check

935
00:45:09,120 --> 00:45:12,359
Speaker 3: my credit score regularly. We we just for the first time,

936
00:45:12,480 --> 00:45:15,320
Speaker 3: I don't know how many years, got a credit card

937
00:45:15,400 --> 00:45:18,400
Speaker 3: to do like those rewards things. And we're not carrying

938
00:45:18,400 --> 00:45:20,759
Speaker 3: a balance or any so it's bad. But we neither

939
00:45:20,800 --> 00:45:22,640
Speaker 3: one of us know our credit stores because we don't

940
00:45:22,640 --> 00:45:26,000
Speaker 3: have any. We have no plans to borrow any money

941
00:45:26,000 --> 00:45:27,319
Speaker 3: for anything like in life.

942
00:45:27,640 --> 00:45:32,480
Speaker 1: Aren't you curious? I can't check it for free credit karma?

943
00:45:33,080 --> 00:45:35,480
Speaker 3: Yeah maybe, I guess for like fraud purposes.

944
00:45:35,640 --> 00:45:37,560
Speaker 1: This is my little moment to do the PSA where

945
00:45:37,600 --> 00:45:40,320
Speaker 1: you should you should at least pull your free credit report.

946
00:45:40,360 --> 00:45:42,120
Speaker 1: Do you guys check your credit reports and everything?

947
00:45:42,440 --> 00:45:45,200
Speaker 3: Yeah, so yes, we do check our credit report to

948
00:45:45,239 --> 00:45:47,239
Speaker 3: see if there are items on there that are suspicious

949
00:45:47,320 --> 00:45:50,719
Speaker 3: or we're potentially fraudulent. But with that, we don't get

950
00:45:50,760 --> 00:45:53,480
Speaker 3: a score. I don't believe when we're like annual. So yeah,

951
00:45:53,520 --> 00:45:55,799
Speaker 3: that's what I know what's on there, but I don't

952
00:45:55,840 --> 00:45:58,280
Speaker 3: know our arguably that's.

953
00:45:58,160 --> 00:45:59,960
Speaker 1: The important part. But you can talk. I mean, I

954
00:46:00,160 --> 00:46:02,600
Speaker 1: get my score for free. There's a bunch of different places.

955
00:46:03,040 --> 00:46:03,759
Speaker 3: Oh, I didn't know that.

956
00:46:03,840 --> 00:46:06,640
Speaker 1: Okay, credit karma. I mean you should even check with

957
00:46:06,680 --> 00:46:08,319
Speaker 1: your credit card that you guys took out a lot

958
00:46:08,360 --> 00:46:12,160
Speaker 1: of credit cards now are offering not just your TransUnion,

959
00:46:12,200 --> 00:46:15,200
Speaker 1: your or your Equifax or your Experience score, but credit

960
00:46:15,200 --> 00:46:18,160
Speaker 1: card companies will offer your FICO score. Oh cool and

961
00:46:18,200 --> 00:46:21,439
Speaker 1: FIKO is that like you know, gold Cadillac credit score

962
00:46:21,440 --> 00:46:23,520
Speaker 1: everyone uses. But oh yeah, I mean I can list

963
00:46:23,560 --> 00:46:26,360
Speaker 1: off credit karma Quizzle dot com, credit dot com credit

964
00:46:26,360 --> 00:46:28,520
Speaker 1: says to me, those are the top four where you

965
00:46:28,520 --> 00:46:31,960
Speaker 1: can find That's how I track my credit score. Yeah,

966
00:46:31,960 --> 00:46:34,560
Speaker 1: I'd be curious to know. And you're right, I mean,

967
00:46:34,560 --> 00:46:37,080
Speaker 1: that's just something to consider. You really don't need a

968
00:46:37,080 --> 00:46:39,920
Speaker 1: credit score until you need credit. And if you guys didn't,

969
00:46:40,239 --> 00:46:41,719
Speaker 1: you know, take out any credit, then you wouldn't have

970
00:46:41,800 --> 00:46:42,200
Speaker 1: needed it.

971
00:46:43,160 --> 00:46:47,440
Speaker 3: Yeah, we've been duly traumatized by We were just I mean,

972
00:46:47,440 --> 00:46:50,440
Speaker 3: some people have better credit stories than ours, but I think,

973
00:46:50,560 --> 00:46:54,400
Speaker 3: you know, we were just immature financially, you know, and

974
00:46:54,440 --> 00:46:56,839
Speaker 3: so they left kind of like an indelible mark in

975
00:46:56,840 --> 00:46:59,480
Speaker 3: our brains around the use of credit. So it just

976
00:46:59,520 --> 00:47:02,120
Speaker 3: took us even a really long time to like have

977
00:47:02,200 --> 00:47:05,200
Speaker 3: a big discussion about this recent credit card and we'll

978
00:47:05,200 --> 00:47:07,799
Speaker 3: never carry a balance and we'll never pay injury. So

979
00:47:07,840 --> 00:47:11,600
Speaker 3: that was even that was like a big step from well,

980
00:47:11,680 --> 00:47:13,719
Speaker 3: some people were good with credit all their lives and

981
00:47:13,719 --> 00:47:16,200
Speaker 3: they don't have those terrible stories.

982
00:47:16,440 --> 00:47:18,920
Speaker 1: Who are those people, the people whose parents control their

983
00:47:18,920 --> 00:47:22,560
Speaker 1: card for them? Maybe I don't know some people.

984
00:47:23,080 --> 00:47:25,839
Speaker 3: I've met some people and they're like, oh, well, this

985
00:47:25,880 --> 00:47:28,080
Speaker 3: is what's wrong with having a credit card. All you

986
00:47:28,120 --> 00:47:30,680
Speaker 3: do is pay the balance every month and you or

987
00:47:30,760 --> 00:47:33,680
Speaker 3: whatever their stories are, I don't know, We'll see, maybe

988
00:47:33,760 --> 00:47:35,440
Speaker 3: we'll become one of those people what.

989
00:47:35,560 --> 00:47:37,480
Speaker 1: Sounds like you are. But I think it also has

990
00:47:37,520 --> 00:47:41,759
Speaker 1: a lot to do with your upbringing and the influence

991
00:47:41,800 --> 00:47:44,360
Speaker 1: of your family, your parents and people around you. You know,

992
00:47:44,400 --> 00:47:48,240
Speaker 1: I grew up really watching my parents just without credit cards.

993
00:47:48,400 --> 00:47:51,440
Speaker 1: My mother. I always my mom's wallet. I'll never forget it.

994
00:47:51,440 --> 00:47:52,880
Speaker 1: When I was a kid, it was always just this

995
00:47:53,040 --> 00:47:56,239
Speaker 1: massive like accordion wallet and it was just nothing like

996
00:47:56,280 --> 00:47:57,960
Speaker 1: she would go to J. C. Penny and look for

997
00:47:58,000 --> 00:48:01,479
Speaker 1: the biggest expansion wallet. Fine, because that's how many credit

998
00:48:01,560 --> 00:48:04,800
Speaker 1: cards my parents had, and that was the environment I

999
00:48:04,800 --> 00:48:06,840
Speaker 1: grew up. And so when I, you know, started college,

1000
00:48:06,880 --> 00:48:08,759
Speaker 1: my idea was, oh, credit you just use that when

1001
00:48:08,760 --> 00:48:12,320
Speaker 1: you don't have cash. So I'm curious what your upbringing

1002
00:48:12,400 --> 00:48:14,640
Speaker 1: was like financially and if you think that, maybe you

1003
00:48:14,680 --> 00:48:18,960
Speaker 1: know how that played into your your eventual debt that

1004
00:48:19,000 --> 00:48:20,040
Speaker 1: you fell into later.

1005
00:48:20,800 --> 00:48:24,440
Speaker 3: Yeah, so I think I heard from my parents quite frequently.

1006
00:48:25,080 --> 00:48:26,800
Speaker 3: You know, you have to get some type of credit

1007
00:48:26,840 --> 00:48:29,560
Speaker 3: card to build your credit, do something to build your credit.

1008
00:48:29,680 --> 00:48:33,320
Speaker 3: So when I was encountered on the quad at school,

1009
00:48:33,480 --> 00:48:36,200
Speaker 3: you know, I think, you know, confronted with all these

1010
00:48:36,239 --> 00:48:40,200
Speaker 3: tables with given away free t shirts and you know, Pepsicola,

1011
00:48:40,520 --> 00:48:41,839
Speaker 3: and they're like, oh, you have to do a sign

1012
00:48:41,920 --> 00:48:43,880
Speaker 3: up for this credit card. I was like, oh, of course,

1013
00:48:43,880 --> 00:48:46,480
Speaker 3: this is perfect. I need pizza which you're giving away,

1014
00:48:46,680 --> 00:48:49,160
Speaker 3: and also I need to build my credit. So you know,

1015
00:48:49,200 --> 00:48:50,760
Speaker 3: I sign up for a bunch of credit cards.

1016
00:48:52,400 --> 00:48:53,359
Speaker 1: Was the pizza that good?

1017
00:48:55,200 --> 00:48:57,200
Speaker 3: I don't remember it never was.

1018
00:48:57,680 --> 00:48:59,759
Speaker 1: But that's how they get you on college campuses.

1019
00:49:00,840 --> 00:49:03,040
Speaker 3: Yeah. And I didn't have a job. I didn't even

1020
00:49:03,080 --> 00:49:05,799
Speaker 3: think about like paying the bill or paying it back.

1021
00:49:05,880 --> 00:49:07,640
Speaker 3: I was just like, I am building my credit. I

1022
00:49:07,680 --> 00:49:11,040
Speaker 3: didn't I thought building your credit was just getting the card.

1023
00:49:11,080 --> 00:49:12,959
Speaker 3: I didn't realize that you had to like pay it back.

1024
00:49:13,000 --> 00:49:16,160
Speaker 3: On time and as agreed, missed that part of the tutorial.

1025
00:49:16,719 --> 00:49:20,399
Speaker 3: So I think that and then when people would demand payment,

1026
00:49:20,440 --> 00:49:23,080
Speaker 3: I'm like, who are these jerks? You know, what do

1027
00:49:23,120 --> 00:49:27,279
Speaker 3: they want from me? So yeah, I think that probablayed

1028
00:49:27,320 --> 00:49:30,480
Speaker 3: a lot into my kind of like my money story

1029
00:49:31,040 --> 00:49:34,920
Speaker 3: going forward. I just I just didn't make the connection,

1030
00:49:35,000 --> 00:49:37,600
Speaker 3: even with student loans, like signing paperwork. When I got

1031
00:49:37,600 --> 00:49:40,360
Speaker 3: my first bill, you know that six months you know,

1032
00:49:40,480 --> 00:49:43,160
Speaker 3: great spirit they give you. I was like, the nerve

1033
00:49:43,239 --> 00:49:45,160
Speaker 3: of these people, how dare they?

1034
00:49:45,280 --> 00:49:45,400
Speaker 2: Like?

1035
00:49:45,440 --> 00:49:46,640
Speaker 3: I was totally shocked.

1036
00:49:47,520 --> 00:49:49,680
Speaker 1: What about your husband? When did you guys meet and

1037
00:49:49,719 --> 00:49:51,839
Speaker 1: when you got married? Was it something you guys talked

1038
00:49:51,840 --> 00:49:53,160
Speaker 1: about before you got married?

1039
00:49:54,000 --> 00:49:57,759
Speaker 3: Yeah? So we met in grades L junior high, we

1040
00:49:57,800 --> 00:50:01,040
Speaker 3: met in Spanish class in junior high, and we got

1041
00:50:01,080 --> 00:50:04,040
Speaker 3: married in our mid twenties, like twenty four to twenty five.

1042
00:50:04,680 --> 00:50:07,040
Speaker 3: And we did. We thought we were doing like the

1043
00:50:07,040 --> 00:50:08,799
Speaker 3: smart thing. We're like, Okay, we're gonna sit down, we're

1044
00:50:08,800 --> 00:50:10,640
Speaker 3: gonna write a budget, we're gonna write down all of

1045
00:50:10,680 --> 00:50:14,759
Speaker 3: our loans and all that, and we did as much

1046
00:50:14,800 --> 00:50:16,799
Speaker 3: as we could. But I think the problem with my

1047
00:50:16,960 --> 00:50:20,960
Speaker 3: husband was that he had loans that had changed hands.

1048
00:50:21,040 --> 00:50:25,360
Speaker 3: He didn't keep as good of records, and it was

1049
00:50:25,440 --> 00:50:27,040
Speaker 3: kind of confusing. So I don't want to say like

1050
00:50:27,200 --> 00:50:29,880
Speaker 3: he was a terrible record keeper, but at some point

1051
00:50:29,920 --> 00:50:32,319
Speaker 3: I ended up consolidating all my loans and I just

1052
00:50:32,360 --> 00:50:36,200
Speaker 3: had like one payment for everything. But he had like

1053
00:50:36,280 --> 00:50:40,239
Speaker 3: things here, things there, private loans from the university. So

1054
00:50:40,320 --> 00:50:44,640
Speaker 3: it was just, you know, it was just a confusing thing.

1055
00:50:44,800 --> 00:50:46,960
Speaker 3: So things for him were like scattered and all over

1056
00:50:47,000 --> 00:50:49,920
Speaker 3: the place. So what we thought we had captured in

1057
00:50:49,960 --> 00:50:53,040
Speaker 3: our pre wedding planning, you know, there were just more

1058
00:50:53,160 --> 00:50:57,160
Speaker 3: loans that got uncovered how we started, you know, the

1059
00:50:57,160 --> 00:51:00,520
Speaker 3: month we got married, Oh, this letter came, this phone

1060
00:51:00,520 --> 00:51:03,480
Speaker 3: call came, this, you know. So it was like like

1061
00:51:03,560 --> 00:51:06,640
Speaker 3: BIG's coming out of the woodwork. So when it was

1062
00:51:06,680 --> 00:51:08,640
Speaker 3: all said and doub we had about the same amount

1063
00:51:08,680 --> 00:51:11,759
Speaker 3: of student loan. I just was more aware of my

1064
00:51:11,920 --> 00:51:13,520
Speaker 3: total balance, whereas he wasn't.

1065
00:51:14,040 --> 00:51:15,560
Speaker 1: Was he kind of cocky about it, like, oh I

1066
00:51:15,560 --> 00:51:19,280
Speaker 1: only have this much, And then a month later you're like, oh.

1067
00:51:19,200 --> 00:51:23,000
Speaker 3: No, no, no, no, I don't think so. I think he

1068
00:51:23,200 --> 00:51:25,200
Speaker 3: in his mind was still kind of unsure. He's like,

1069
00:51:25,200 --> 00:51:29,520
Speaker 3: these are the numbers I'm writing down, and we'll just

1070
00:51:29,560 --> 00:51:31,160
Speaker 3: see after you marry me.

1071
00:51:32,800 --> 00:51:35,440
Speaker 1: Let me put the ring on first, get the you know,

1072
00:51:35,480 --> 00:51:38,720
Speaker 1: get the wedding certificate, and then we'll start digging deeper.

1073
00:51:39,239 --> 00:51:43,719
Speaker 3: It's funny, exactly, and that's exactly that's how it panned out.

1074
00:51:43,920 --> 00:51:49,720
Speaker 3: And I was a little you know, I was dazzled

1075
00:51:49,719 --> 00:51:51,719
Speaker 3: by that, like, okay, we have this, and then the

1076
00:51:51,719 --> 00:51:53,960
Speaker 3: next month this letter comes. And then when I talied

1077
00:51:53,960 --> 00:51:57,160
Speaker 3: everything up, I'm like, this is not the amount that

1078
00:51:57,239 --> 00:51:59,440
Speaker 3: you said. You know, you said it was this amount,

1079
00:51:59,480 --> 00:52:01,680
Speaker 3: and now we're here at this bigger amount and we're

1080
00:52:01,719 --> 00:52:05,600
Speaker 3: just like, you know what, whatever, we're Mary, we we're

1081
00:52:05,600 --> 00:52:07,239
Speaker 3: gonna have to make it work. You know, this is

1082
00:52:07,280 --> 00:52:09,799
Speaker 3: not enough of a problem to get a divorce over.

1083
00:52:09,920 --> 00:52:11,799
Speaker 3: Let's just make a plan and figure it out. And

1084
00:52:11,840 --> 00:52:14,440
Speaker 3: that's ultimately what we did. Like when we got the plan,

1085
00:52:14,880 --> 00:52:17,160
Speaker 3: after I read Dave Ramsey, I'm like, Okay, this sucks

1086
00:52:17,200 --> 00:52:20,000
Speaker 3: a terrible situation. But now that we had a plan

1087
00:52:20,120 --> 00:52:22,640
Speaker 3: that kind of brought hope to the situation, and you know,

1088
00:52:22,719 --> 00:52:23,399
Speaker 3: we worked it out.

1089
00:52:24,400 --> 00:52:26,319
Speaker 1: I was gonna ask if there was ever a time

1090
00:52:26,320 --> 00:52:28,640
Speaker 1: that it puts strain on your relationship, because I know

1091
00:52:28,719 --> 00:52:31,359
Speaker 1: money and relationships they go hand in hand, but they

1092
00:52:31,400 --> 00:52:35,080
Speaker 1: also can be really they can be tough. Oh, very

1093
00:52:35,160 --> 00:52:37,200
Speaker 1: young in your mid twenties, What do you know now

1094
00:52:37,280 --> 00:52:39,520
Speaker 1: about money relationships that you didn't know a decade ago?

1095
00:52:41,200 --> 00:52:46,000
Speaker 3: Oh my god, that's such a loaded question. I think

1096
00:52:46,760 --> 00:52:51,080
Speaker 3: one of the big issues really to me is that

1097
00:52:51,280 --> 00:52:54,680
Speaker 3: either's communication is one just figuring out how what are

1098
00:52:54,719 --> 00:52:57,799
Speaker 3: people's money management style? So if you have someone who's

1099
00:52:57,840 --> 00:53:01,040
Speaker 3: a super cheap skate and someone who's like, you know,

1100
00:53:01,200 --> 00:53:04,239
Speaker 3: their lavish spender and they expect certain things to be

1101
00:53:04,280 --> 00:53:07,080
Speaker 3: a certain way. For example, my husband, like he came

1102
00:53:07,080 --> 00:53:09,760
Speaker 3: from one of those families where they celebrate every single

1103
00:53:09,920 --> 00:53:14,719
Speaker 3: holiday every like Sweetest Day, Valentine's Day, Anniversary, Like I

1104
00:53:14,760 --> 00:53:17,600
Speaker 3: have to get a gift on every holiday. And not

1105
00:53:17,760 --> 00:53:22,279
Speaker 3: to sound like a terrible, ungrateful wife, because I do

1106
00:53:22,480 --> 00:53:25,440
Speaker 3: like gifts, but at the time, you know, just me

1107
00:53:25,600 --> 00:53:28,319
Speaker 3: being a little more high strong as a individual, I'm like,

1108
00:53:29,160 --> 00:53:32,239
Speaker 3: I appreciate the Sweetest Day gift, but we could have

1109
00:53:32,360 --> 00:53:34,040
Speaker 3: used this for a student loan payment.

1110
00:53:34,160 --> 00:53:36,959
Speaker 1: Like that was wait, what is that even a sweetest Day?

1111
00:53:37,040 --> 00:53:37,560
Speaker 1: What is that?

1112
00:53:38,320 --> 00:53:41,040
Speaker 3: Oh, you don't know, sweet It's like it's the October

1113
00:53:41,160 --> 00:53:42,800
Speaker 3: version of Valentine's Day sweets.

1114
00:53:42,840 --> 00:53:43,520
Speaker 2: No, I did not.

1115
00:53:44,960 --> 00:53:46,680
Speaker 1: Like Swedish fish fish or.

1116
00:53:46,680 --> 00:53:50,080
Speaker 3: Sweetest, sweet sweetest, like you are the sweetest person.

1117
00:53:50,680 --> 00:53:52,600
Speaker 1: I have never heard this in my life. Wow, they

1118
00:53:52,600 --> 00:53:57,760
Speaker 1: are digging deep. Okay, that's where they drew the line.

1119
00:53:57,840 --> 00:53:59,920
Speaker 3: And I think I've gotten a gift like every sweet

1120
00:54:00,800 --> 00:54:05,560
Speaker 3: my God. And so just communicating about our expectations around

1121
00:54:05,560 --> 00:54:07,600
Speaker 3: like how do we even celebrate holidays? Do you do

1122
00:54:07,640 --> 00:54:10,880
Speaker 3: a lot of Christmas gifts? Do you not? So just

1123
00:54:11,000 --> 00:54:13,800
Speaker 3: learning up front what people's money if you're going to

1124
00:54:13,840 --> 00:54:15,640
Speaker 3: discuss when you get married, like how many kids do

1125
00:54:15,680 --> 00:54:18,000
Speaker 3: would have? Do you? Are you a studio person or

1126
00:54:18,080 --> 00:54:20,520
Speaker 3: you a big five thousand squrif food house person or

1127
00:54:20,760 --> 00:54:23,040
Speaker 3: you know, also talk about what do your money have it?

1128
00:54:23,160 --> 00:54:25,040
Speaker 3: So when you clear that up, you know, that's one

1129
00:54:25,040 --> 00:54:29,040
Speaker 3: thing and the other thing is just not having enough money.

1130
00:54:29,160 --> 00:54:32,840
Speaker 3: If there's like overbearing debt, there's just there's really not

1131
00:54:33,080 --> 00:54:35,680
Speaker 3: time to do anything. I mean there were times when

1132
00:54:35,680 --> 00:54:38,359
Speaker 3: we were working to payoff debt. You know, I was

1133
00:54:38,400 --> 00:54:41,520
Speaker 3: like hustling because I had, you know, a gig. I

1134
00:54:41,600 --> 00:54:44,400
Speaker 3: was you know, getting paid hourly, you know, working from home.

1135
00:54:44,920 --> 00:54:47,560
Speaker 3: And then you know that summer where we you know,

1136
00:54:47,800 --> 00:54:50,040
Speaker 3: had everyone in the in the room because we had

1137
00:54:50,040 --> 00:54:52,319
Speaker 3: one air conditioning unit. You know, things are not as

1138
00:54:52,400 --> 00:54:54,120
Speaker 3: romantic when all your kids have to stay in the

1139
00:54:54,160 --> 00:54:56,680
Speaker 3: room with you, everybody, you know. So just like little

1140
00:54:56,719 --> 00:55:00,600
Speaker 3: things like that have an impact on your really relationship

1141
00:55:00,760 --> 00:55:05,120
Speaker 3: and now just being debt free, we have more room

1142
00:55:05,320 --> 00:55:07,880
Speaker 3: to dream a little. Like So if my husband's like,

1143
00:55:08,920 --> 00:55:11,759
Speaker 3: and this is an actual example, he's always like, you know,

1144
00:55:11,840 --> 00:55:13,920
Speaker 3: give me my drop talk. He wants this classic car,

1145
00:55:14,000 --> 00:55:17,440
Speaker 3: and it's something we don't have to argue about, like

1146
00:55:17,520 --> 00:55:20,080
Speaker 3: are you kidding me? As broke as we are, we

1147
00:55:20,160 --> 00:55:23,600
Speaker 3: can actually say, oh, you know what, let's up actually

1148
00:55:23,719 --> 00:55:26,000
Speaker 3: open let's open up another broke which you can't. Let's

1149
00:55:26,000 --> 00:55:28,040
Speaker 3: throw some money at it every month and see where

1150
00:55:28,040 --> 00:55:30,799
Speaker 3: it is in three years. Like that's those are the

1151
00:55:30,840 --> 00:55:32,640
Speaker 3: things that you can do when you're debt free. But

1152
00:55:32,680 --> 00:55:35,440
Speaker 3: if you're like head over heels in debt and you

1153
00:55:35,520 --> 00:55:38,160
Speaker 3: have someone who who's kind of way of coping or

1154
00:55:38,239 --> 00:55:41,880
Speaker 3: escapism is buying things and stuff, you know they're gonna

1155
00:55:41,880 --> 00:55:46,440
Speaker 3: be problems. So debt helps. It doesn't help everything, you know,

1156
00:55:46,520 --> 00:55:49,040
Speaker 3: being debt free, but it helps. I would say a

1157
00:55:49,040 --> 00:55:50,200
Speaker 3: lot of things.

1158
00:55:50,440 --> 00:55:53,040
Speaker 1: I'm soaking up all this knowledge for my cause I

1159
00:55:53,360 --> 00:55:54,960
Speaker 1: told you I'm getting married soon and I'm just going

1160
00:55:55,040 --> 00:55:57,000
Speaker 1: to be soaking up all this insight. Thank you for this.

1161
00:55:58,120 --> 00:56:00,600
Speaker 1: Although living together before marriage, I'm telling you that also

1162
00:56:00,680 --> 00:56:05,120
Speaker 1: can open your eyes to some conflict points too. For sure.

1163
00:56:05,719 --> 00:56:08,080
Speaker 3: Yeah you kind of know. Well, my husband and we

1164
00:56:08,160 --> 00:56:09,560
Speaker 3: knew each other for a long time, but we had

1165
00:56:09,560 --> 00:56:13,680
Speaker 3: a pretty short courtship, so we moved together when we

1166
00:56:13,719 --> 00:56:17,360
Speaker 3: got married. And fortunately, I mean, it was such a blessing,

1167
00:56:17,480 --> 00:56:20,359
Speaker 3: like he's so lad back and it just worked out.

1168
00:56:20,880 --> 00:56:24,040
Speaker 3: There was there were no big surprise shockers he is

1169
00:56:25,000 --> 00:56:27,680
Speaker 3: he's actually pretty much a cheap skate like me, so

1170
00:56:27,719 --> 00:56:30,319
Speaker 3: it just we deel better. I think. Really, the only

1171
00:56:30,440 --> 00:56:34,640
Speaker 3: kind of hitch there was just the communication and just knowing,

1172
00:56:34,719 --> 00:56:37,320
Speaker 3: like or like, seriously, are you going to celebrate every

1173
00:56:37,400 --> 00:56:40,879
Speaker 3: single holiday like his family is, like the family who

1174
00:56:40,880 --> 00:56:43,279
Speaker 3: celebrates their birthday for a week like Monday. We're gonna

1175
00:56:43,320 --> 00:56:43,520
Speaker 3: do this?

1176
00:56:43,600 --> 00:56:45,560
Speaker 1: Oh no, no, no, no, no no no, those people are

1177
00:56:45,600 --> 00:56:49,000
Speaker 1: not That does not happen. No, I know those people.

1178
00:56:49,440 --> 00:56:49,719
Speaker 2: I do.

1179
00:56:50,080 --> 00:56:52,879
Speaker 1: And I'm like not going on Facebook, not going, not going,

1180
00:56:52,960 --> 00:56:53,959
Speaker 1: not going, not going.

1181
00:56:54,120 --> 00:56:56,360
Speaker 3: Yeah yeah, and so then but then you have to

1182
00:56:56,360 --> 00:56:58,359
Speaker 3: think even as a family. But if that's something that's

1183
00:56:58,400 --> 00:57:00,800
Speaker 3: really big and important to them, me and my husband

1184
00:57:00,840 --> 00:57:03,200
Speaker 3: have to have that conversation like, Okay, of all these

1185
00:57:03,239 --> 00:57:06,799
Speaker 3: seven events, which three are you going to choose? So

1186
00:57:06,840 --> 00:57:09,280
Speaker 3: we don't have to spend all this money. Like that's

1187
00:57:09,280 --> 00:57:12,920
Speaker 3: a real that's a real conversation that we have to have.

1188
00:57:14,600 --> 00:57:16,720
Speaker 3: And when you're getting out of debt, you know, people

1189
00:57:16,720 --> 00:57:19,800
Speaker 3: get offended like you didn't show up at this thing

1190
00:57:20,000 --> 00:57:22,440
Speaker 3: or so like all that stuff happens and you just

1191
00:57:22,480 --> 00:57:25,040
Speaker 3: have to manage all that and it does, you know,

1192
00:57:25,240 --> 00:57:26,480
Speaker 3: it makes things stressful.

1193
00:57:27,360 --> 00:57:30,000
Speaker 1: Well, let's switch gars for a bit. Because you you've

1194
00:57:30,000 --> 00:57:33,479
Speaker 1: successfully achieved your goal of becoming a stay at home mom,

1195
00:57:33,560 --> 00:57:36,360
Speaker 1: right yees? So you have your business at home, your

1196
00:57:36,360 --> 00:57:39,600
Speaker 1: girls at home, the schools at home. Do you ever

1197
00:57:39,680 --> 00:57:40,280
Speaker 1: go crazy?

1198
00:57:42,760 --> 00:57:46,640
Speaker 3: We do get a little stir crazy. So we try

1199
00:57:46,680 --> 00:57:51,120
Speaker 3: to you know, how do you separate it? How do I? Yeah?

1200
00:57:51,160 --> 00:57:54,760
Speaker 3: So my husband's really great at you know, he'll let

1201
00:57:54,760 --> 00:57:57,000
Speaker 3: me get that time alone that I need, Like sometimes

1202
00:57:57,040 --> 00:57:59,080
Speaker 3: I'm like I have to go out to Starbucks or whatever,

1203
00:57:59,200 --> 00:58:01,560
Speaker 3: gets some work or he'll you know, he'll help me

1204
00:58:01,640 --> 00:58:03,960
Speaker 3: and make provision, he'll take them in the evening or

1205
00:58:04,320 --> 00:58:07,160
Speaker 3: we figure it out. I don't feel there are not

1206
00:58:07,280 --> 00:58:10,880
Speaker 3: a lot of times that I feel super overwhelmed, because

1207
00:58:11,480 --> 00:58:13,560
Speaker 3: if I do, then I'll just take a break and

1208
00:58:13,600 --> 00:58:16,520
Speaker 3: I'll stop working. I'll stop working. I don't have the

1209
00:58:16,600 --> 00:58:19,280
Speaker 3: many bills to pay, so I can be kind of on,

1210
00:58:19,640 --> 00:58:21,720
Speaker 3: you know, off and on what's work.

1211
00:58:21,920 --> 00:58:23,240
Speaker 1: You can control your own schedule.

1212
00:58:23,280 --> 00:58:26,600
Speaker 3: Basically, Yeah, yeah, in a nutshell. And I just want

1213
00:58:26,640 --> 00:58:29,160
Speaker 3: to also, you know, kind of drive home the point

1214
00:58:29,200 --> 00:58:32,040
Speaker 3: that I've never made a whole lot of money in

1215
00:58:32,080 --> 00:58:34,360
Speaker 3: my life, Like my husband has always been the primary

1216
00:58:34,800 --> 00:58:38,040
Speaker 3: bread winner, and you know, I've been you know, I've

1217
00:58:38,160 --> 00:58:41,120
Speaker 3: kind of trailed behind him and income. So you don't

1218
00:58:41,120 --> 00:58:43,000
Speaker 3: need a lot of money to do this. We were,

1219
00:58:43,600 --> 00:58:45,920
Speaker 3: you know, I was always myself personally, was kind of

1220
00:58:45,920 --> 00:58:48,080
Speaker 3: on the lower end of the income scale. But just

1221
00:58:48,280 --> 00:58:51,160
Speaker 3: being disciplined with the money helped, you know, pay down.

1222
00:58:51,000 --> 00:58:55,600
Speaker 1: The debt and again one hundred and ten thousand dollars gone.

1223
00:58:55,680 --> 00:58:58,400
Speaker 1: That is amazing. Congratulations to you and your family.

1224
00:58:58,920 --> 00:58:59,720
Speaker 3: Thank you, Mandy.

1225
00:59:00,200 --> 00:59:01,680
Speaker 1: So do you have any plans? I guess I have

1226
00:59:01,720 --> 00:59:04,520
Speaker 1: to ask any plans to move anytime soon.

1227
00:59:06,560 --> 00:59:09,840
Speaker 3: I don't have plans, only only because I actually do

1228
00:59:10,000 --> 00:59:13,000
Speaker 3: like the quality of life that we we live. I

1229
00:59:13,040 --> 00:59:15,600
Speaker 3: can live I you know, I get to control my schedule.

1230
00:59:16,040 --> 00:59:18,400
Speaker 3: If I want to take a break from working one month,

1231
00:59:18,440 --> 00:59:21,560
Speaker 3: two month, three months, I can. Earlier last year, we

1232
00:59:21,800 --> 00:59:24,400
Speaker 3: spent six weeks in California because I didn't want to

1233
00:59:24,400 --> 00:59:27,920
Speaker 3: do Chicago winter, so you know, and then we did

1234
00:59:28,000 --> 00:59:30,720
Speaker 3: lots of other traveling too, So like being able to

1235
00:59:30,760 --> 00:59:34,720
Speaker 3: travel be with my family, that to me is priceless.

1236
00:59:34,760 --> 00:59:38,920
Speaker 3: Like no big home in the suburbs can't compare to that,

1237
00:59:39,000 --> 00:59:40,960
Speaker 3: So I don't I thought, you know, when I was younger,

1238
00:59:41,000 --> 00:59:44,320
Speaker 3: I thought that was like my end goal in life,

1239
00:59:44,360 --> 00:59:46,320
Speaker 3: to like live in this big, huge mansion in the

1240
00:59:46,320 --> 00:59:50,360
Speaker 3: suburbs with these you know, crazy tricked out luxury cars.

1241
00:59:51,000 --> 00:59:55,720
Speaker 3: But you know, I guess, you know, those those desires

1242
00:59:55,760 --> 00:59:58,280
Speaker 3: have waned a little bit, only because I feel like

1243
00:59:58,360 --> 01:00:00,360
Speaker 3: I have a good life right now, so we'll see

1244
01:00:00,400 --> 01:00:02,360
Speaker 3: that could change. I may want to move because of

1245
01:00:02,360 --> 01:00:03,919
Speaker 3: the weather, but that's the only reason why.

1246
01:00:04,520 --> 01:00:06,840
Speaker 1: No. I love that message. You found what's important to you,

1247
01:00:06,920 --> 01:00:09,760
Speaker 1: and you invest in those things versus the things that

1248
01:00:09,800 --> 01:00:13,240
Speaker 1: aren't so important but that you know, culture tells you

1249
01:00:13,240 --> 01:00:16,280
Speaker 1: you should have the mansion in the suburbs and such.

1250
01:00:17,160 --> 01:00:18,280
Speaker 3: Yeah, that's a good summary.

1251
01:00:19,360 --> 01:00:22,120
Speaker 1: Wellgan, thanks so much, and everybody. You can find Aja's

1252
01:00:22,160 --> 01:00:25,919
Speaker 1: work at Principles of Increase dot com and her book

1253
01:00:26,080 --> 01:00:29,080
Speaker 1: is called Debt Free in twenty four Hours, which is

1254
01:00:29,160 --> 01:00:30,320
Speaker 1: on Amazon dot com.

1255
01:00:30,400 --> 01:00:32,760
Speaker 3: Right, yep, it's available there now.

1256
01:00:33,480 --> 01:00:35,440
Speaker 1: Excellent, all right, Aja, thanks so much.

1257
01:00:35,680 --> 01:00:36,840
Speaker 3: Thanks Fanny. This was fun.

1258
01:00:52,200 --> 01:00:55,640
Speaker 2: It's time for Winds, Winds, Winds. All I do is

1259
01:00:55,680 --> 01:00:58,320
Speaker 2: when when when, No matter what, I feel like, I

1260
01:00:58,320 --> 01:01:00,280
Speaker 2: haven't sung that song in so long, you know. I

1261
01:01:00,280 --> 01:01:01,680
Speaker 2: just want to give you guys a little interlude, just

1262
01:01:01,680 --> 01:01:03,800
Speaker 2: a little something, little taste we missed that.

1263
01:01:07,520 --> 01:01:08,040
Speaker 1: I'm kidding.

1264
01:01:08,800 --> 01:01:12,680
Speaker 2: Oh, Mandy is in a shady mood, honey, I'm.

1265
01:01:12,560 --> 01:01:15,120
Speaker 1: Still thinking about all the white birds on Instagram. That's

1266
01:01:15,160 --> 01:01:19,120
Speaker 1: all who are beautiful. I'm sorry, you're beautiful. It's just

1267
01:01:19,160 --> 01:01:20,640
Speaker 1: not all a woky I'm done. Sorry.

1268
01:01:21,240 --> 01:01:23,000
Speaker 2: Yeah, No, it's true though, I mean, like, because I

1269
01:01:23,000 --> 01:01:25,920
Speaker 2: know sometimes people feel like when you are trying to

1270
01:01:25,920 --> 01:01:28,160
Speaker 2: like pick up brown, it's like you're trying to pull

1271
01:01:28,240 --> 01:01:30,600
Speaker 2: down non brown. That's just not what we're doing obviously.

1272
01:01:31,680 --> 01:01:33,960
Speaker 2: But no, yeah, so my win this week it's for

1273
01:01:34,040 --> 01:01:37,640
Speaker 2: a brown girl that we all know and possibly love

1274
01:01:38,080 --> 01:01:42,640
Speaker 2: miss Taraji p Henson. I love the fact that she

1275
01:01:42,800 --> 01:01:44,960
Speaker 2: is right, that she like as if there's going to

1276
01:01:45,000 --> 01:01:47,280
Speaker 2: be another Taraji Henson, not to be confused with the

1277
01:01:47,280 --> 01:01:48,560
Speaker 2: other Taraji.

1278
01:01:50,360 --> 01:01:52,080
Speaker 1: To it though it does.

1279
01:01:52,520 --> 01:01:55,160
Speaker 2: So. She finally, after years and years and years, won

1280
01:01:55,200 --> 01:01:56,560
Speaker 2: an Academy Award.

1281
01:01:57,320 --> 01:01:59,640
Speaker 1: And she gave she won a Golden Globe.

1282
01:02:00,160 --> 01:02:05,480
Speaker 2: That too, she wanted to go to. Look, I'm not

1283
01:02:06,320 --> 01:02:08,240
Speaker 2: part of the whole Hollywood life, so you know, this

1284
01:02:08,360 --> 01:02:10,040
Speaker 2: is as close as I get.

1285
01:02:10,960 --> 01:02:13,040
Speaker 1: I am a part of the Hollywood life from my couch.

1286
01:02:13,240 --> 01:02:16,880
Speaker 2: Yes, So she wanted to go to Globe and one

1287
01:02:16,920 --> 01:02:18,880
Speaker 2: she gave out cookies because you know, as her role

1288
01:02:18,920 --> 01:02:22,240
Speaker 2: for Cookie and Empire, so she gave out cookies, which

1289
01:02:22,280 --> 01:02:25,720
Speaker 2: I thought was amazing. And her speech was just so

1290
01:02:25,720 --> 01:02:28,320
Speaker 2: so full of black girl magic.

1291
01:02:30,200 --> 01:02:32,800
Speaker 1: And I earned well earned magic.

1292
01:02:32,880 --> 01:02:34,720
Speaker 2: Yes, And I just thought it was so cute because

1293
01:02:34,720 --> 01:02:36,760
Speaker 2: they tried to cut her off and Taraji started like

1294
01:02:36,800 --> 01:02:39,800
Speaker 2: somebody's auntie. She said, oh no, they're not cotting me off.

1295
01:02:40,280 --> 01:02:42,200
Speaker 2: I have waited too long for this, twenty years you

1296
01:02:42,240 --> 01:02:46,000
Speaker 2: could wait, which I thought was so her. I mean

1297
01:02:46,040 --> 01:02:48,920
Speaker 2: I did see some like slightly sour pusses in the audience,

1298
01:02:48,920 --> 01:02:50,680
Speaker 2: which I was like, come on, man, like Taraji has

1299
01:02:50,680 --> 01:02:54,160
Speaker 2: been like grinding and working really hard, and you know,

1300
01:02:54,240 --> 01:02:56,360
Speaker 2: she finally has gotten to this place. Let this woman enjoy.

1301
01:02:56,400 --> 01:02:57,360
Speaker 2: It's just a few minutes.

1302
01:02:58,840 --> 01:03:01,040
Speaker 1: They wait, they did, they did wait for her.

1303
01:03:01,040 --> 01:03:04,320
Speaker 2: Yes, And so I just want to say congratulations, miss

1304
01:03:04,320 --> 01:03:08,480
Speaker 2: Tarashi p Henson and many more hopefully awards to you.

1305
01:03:08,600 --> 01:03:11,040
Speaker 2: And I know, like, because you know, Tarashi's like she's

1306
01:03:11,080 --> 01:03:11,840
Speaker 2: in like her mid.

1307
01:03:11,720 --> 01:03:14,160
Speaker 1: Forties right and looking really good.

1308
01:03:14,400 --> 01:03:16,720
Speaker 2: What she has just been working as an actress for

1309
01:03:16,760 --> 01:03:19,640
Speaker 2: over twenty years and it's like she's finally now starting

1310
01:03:19,640 --> 01:03:22,560
Speaker 2: to get mainstream recognition. So I just want to say

1311
01:03:22,640 --> 01:03:25,040
Speaker 2: kudos to you and thank you for not giving up

1312
01:03:25,040 --> 01:03:27,920
Speaker 2: on your dreams because because you have not, you've given

1313
01:03:27,960 --> 01:03:31,280
Speaker 2: other women and young women out there the permission to

1314
01:03:31,320 --> 01:03:32,200
Speaker 2: not give up as well.

1315
01:03:32,520 --> 01:03:34,080
Speaker 1: I know, and it's sad that it had to take

1316
01:03:34,080 --> 01:03:36,160
Speaker 1: twenty years, but if you're out there and you're struggling,

1317
01:03:36,240 --> 01:03:39,040
Speaker 1: look look it'll pay off. It could pay off. I

1318
01:03:39,080 --> 01:03:41,000
Speaker 1: read that she was only the third woman of color,

1319
01:03:41,240 --> 01:03:45,360
Speaker 1: third black woman to win that Best Actor Award Actress

1320
01:03:45,400 --> 01:03:48,840
Speaker 1: award in like a decade or in history. Maybe wow,

1321
01:03:49,000 --> 01:03:51,480
Speaker 1: isn't that sad and we haven't even talked about the

1322
01:03:51,480 --> 01:03:52,040
Speaker 1: Oscars yet.

1323
01:03:52,160 --> 01:03:54,120
Speaker 2: I was gonna say that because they have not.

1324
01:03:54,360 --> 01:03:58,200
Speaker 1: Yeah, hashtag Oscar so white was going viral this week

1325
01:03:58,280 --> 01:04:00,240
Speaker 1: because the Auscar nominations. I don't know, I'm I'm like

1326
01:04:00,280 --> 01:04:02,360
Speaker 1: downing the win portion of the.

1327
01:04:03,600 --> 01:04:06,160
Speaker 2: Next week. So let's yes, let's get back to the

1328
01:04:06,200 --> 01:04:08,800
Speaker 2: good things. Okay, So win for Taji, what's your win?

1329
01:04:09,320 --> 01:04:11,640
Speaker 1: I wanted to congratulate someone who's sort of been a

1330
01:04:11,680 --> 01:04:15,040
Speaker 1: mentor to me over the last few years. Uh for

1331
01:04:15,200 --> 01:04:20,000
Speaker 1: news to Rabi. She is a personal finance guru and

1332
01:04:20,040 --> 01:04:23,480
Speaker 1: I don't use the term lightly. She has just created

1333
01:04:23,480 --> 01:04:26,640
Speaker 1: this brand for herself that's so positive and she truly

1334
01:04:26,760 --> 01:04:29,440
Speaker 1: truly helps people get on top of their finances, but

1335
01:04:29,480 --> 01:04:32,880
Speaker 1: not just at a basic level. She's created this whole

1336
01:04:32,920 --> 01:04:36,320
Speaker 1: year a podcast called so Money, which has over a

1337
01:04:36,400 --> 01:04:40,680
Speaker 1: million downloads. Like our podcast, sheiro you check out her

1338
01:04:40,680 --> 01:04:43,560
Speaker 1: podcast So Money, and on the podcast, she talks to

1339
01:04:43,600 --> 01:04:46,320
Speaker 1: interesting people and basically interviews them and asks them very

1340
01:04:46,320 --> 01:04:50,360
Speaker 1: specific questions about their financial philosophies. If you want, you

1341
01:04:50,400 --> 01:04:53,760
Speaker 1: can check out me and Tiffany separately. We're both interviewed

1342
01:04:53,760 --> 01:04:57,000
Speaker 1: by Varnush earlier this year, and it's just a great

1343
01:04:57,360 --> 01:05:00,360
Speaker 1: it's a great chance to get to sit down in

1344
01:05:00,400 --> 01:05:03,800
Speaker 1: the same room but not really with amazing people who

1345
01:05:03,800 --> 01:05:05,720
Speaker 1: were killing it in their career and find out how

1346
01:05:05,720 --> 01:05:08,720
Speaker 1: they got to where they are and the financial and

1347
01:05:08,760 --> 01:05:11,760
Speaker 1: career philosophies that helped them out. So that was a

1348
01:05:11,800 --> 01:05:13,480
Speaker 1: long intro for for News. She's amazing.

1349
01:05:13,760 --> 01:05:14,800
Speaker 2: Yeah, she is amazing.

1350
01:05:15,000 --> 01:05:17,080
Speaker 1: And on top of that, this week she announced on

1351
01:05:17,120 --> 01:05:19,360
Speaker 1: the first birthday of So Money, she announced that she's

1352
01:05:19,800 --> 01:05:23,960
Speaker 1: creating a new primetime show with CNBC called Follow the Leader,

1353
01:05:24,840 --> 01:05:27,120
Speaker 1: which is kind of like the podcast itself, except it's

1354
01:05:27,120 --> 01:05:28,520
Speaker 1: going to be a half hour I think, or an

1355
01:05:28,520 --> 01:05:31,680
Speaker 1: hour long show where she you'll see her travel with

1356
01:05:31,880 --> 01:05:36,120
Speaker 1: travel to such great entrepreneurs like the founder of Paul

1357
01:05:36,200 --> 01:05:41,000
Speaker 1: Mitchell Hair System and Patron Tequila, who knew he even

1358
01:05:41,080 --> 01:05:44,920
Speaker 1: created I knew, I didn't know the CEO of the

1359
01:05:45,000 --> 01:05:47,919
Speaker 1: Dollar Shave Club. I saw her with this guy from

1360
01:05:47,920 --> 01:05:49,880
Speaker 1: one of these one of the Shark Tank shows on

1361
01:05:49,960 --> 01:05:51,280
Speaker 1: Instagram on a private jet.

1362
01:05:51,280 --> 01:05:54,080
Speaker 2: It looks like a dope show. It's honestly, I'm like,

1363
01:05:54,160 --> 01:05:56,400
Speaker 2: you have no idea. I'm so excited because I love

1364
01:05:57,080 --> 01:06:00,760
Speaker 2: like I am like a junkie for documentaries like People's

1365
01:06:00,840 --> 01:06:03,720
Speaker 2: Rise to Success, Like I love a Racks to Riches story.

1366
01:06:03,760 --> 01:06:06,040
Speaker 2: I watch them all the time. So when I saw this,

1367
01:06:06,120 --> 01:06:07,760
Speaker 2: I was like, oh my gosh. And Farnush is so

1368
01:06:07,840 --> 01:06:11,120
Speaker 2: personable and she's like fun and light hearted. So she's

1369
01:06:11,160 --> 01:06:13,400
Speaker 2: just really going to make these people that seem untouchable

1370
01:06:13,440 --> 01:06:15,760
Speaker 2: seem like touchable and reachable. So I'm excited.

1371
01:06:16,040 --> 01:06:18,440
Speaker 1: That's the whole appeal of Farnusha. She makes everything like

1372
01:06:18,480 --> 01:06:21,000
Speaker 1: she's telling she's she'll probably talk to you about index funds,

1373
01:06:21,000 --> 01:06:23,840
Speaker 1: but she makes it sound so legit, like so normal,

1374
01:06:24,280 --> 01:06:26,200
Speaker 1: like just like two friends sitting down with each other.

1375
01:06:26,240 --> 01:06:28,040
Speaker 1: And I love her. I love the way she approaches

1376
01:06:28,080 --> 01:06:31,520
Speaker 1: personal finance advice. So the show again is called Follow

1377
01:06:31,600 --> 01:06:35,840
Speaker 1: the Leader on CNBC and its premieres March twenty third

1378
01:06:36,000 --> 01:06:39,480
Speaker 1: at ten pm Eastern time. So congratulations for.

1379
01:06:39,560 --> 01:06:43,720
Speaker 2: News, Yeah, congratulations, you are definitely doing it. And you know,

1380
01:06:43,760 --> 01:06:45,680
Speaker 2: it's just so crazy because I met Farnush at the

1381
01:06:45,680 --> 01:06:48,440
Speaker 2: first fin Con and you know, she was like the

1382
01:06:49,040 --> 01:06:52,440
Speaker 2: man or the woman, the myth, the legend Farnush, you know,

1383
01:06:53,120 --> 01:06:55,200
Speaker 2: and like I think, like one of our friends Tanya

1384
01:06:55,280 --> 01:06:57,400
Speaker 2: of my that finance she had like a dinner party

1385
01:06:57,960 --> 01:07:01,040
Speaker 2: and somehow I end up sitting next to Forerni. So

1386
01:07:01,080 --> 01:07:03,560
Speaker 2: this is just a testament to negotiating definitely, I mean

1387
01:07:03,560 --> 01:07:06,480
Speaker 2: not negotiating, but networking definitely is a good thing. And

1388
01:07:06,480 --> 01:07:09,040
Speaker 2: I'm usually pretty shy, but I ended up sitting. I

1389
01:07:09,120 --> 01:07:11,640
Speaker 2: was sitting, and she just sat next to me at

1390
01:07:11,640 --> 01:07:15,280
Speaker 2: this dinner and we were at the same table, and

1391
01:07:15,320 --> 01:07:17,400
Speaker 2: she started asking people around the table kind of like

1392
01:07:17,400 --> 01:07:19,480
Speaker 2: what do you do and kind of like that kind

1393
01:07:19,520 --> 01:07:20,880
Speaker 2: of thing. And then she got to me and I

1394
01:07:21,040 --> 01:07:23,200
Speaker 2: told her about the challenge that had not even launched.

1395
01:07:23,200 --> 01:07:26,080
Speaker 2: It was the first time, and she was so interested

1396
01:07:26,120 --> 01:07:29,280
Speaker 2: in engaged. She was like, oh my god, that's amazing.

1397
01:07:29,320 --> 01:07:31,680
Speaker 2: I remember her telling me, if you don't come back

1398
01:07:31,720 --> 01:07:33,520
Speaker 2: next year to fan and teach a class on it,

1399
01:07:33,560 --> 01:07:35,360
Speaker 2: She's like, I want to take it. And I'm like,

1400
01:07:35,400 --> 01:07:37,520
Speaker 2: I'm just little, like, you know, not to say I'm nobody,

1401
01:07:37,560 --> 01:07:39,520
Speaker 2: but you know, you know what I mean, Like in

1402
01:07:39,560 --> 01:07:42,479
Speaker 2: the finance world, I wasn't like well known. I didn't

1403
01:07:42,480 --> 01:07:44,160
Speaker 2: even have the challenge at the time. It was just

1404
01:07:44,240 --> 01:07:47,200
Speaker 2: an idea and she was so nice and so cool

1405
01:07:47,240 --> 01:07:49,640
Speaker 2: and I was just like okay. And then since then

1406
01:07:49,720 --> 01:07:52,440
Speaker 2: she has had me on her podcast and other shows,

1407
01:07:52,600 --> 01:07:54,840
Speaker 2: and she's just always been so I think she wrote

1408
01:07:54,840 --> 01:07:57,480
Speaker 2: about me on the Daily Worth just always just reaching

1409
01:07:57,520 --> 01:08:00,120
Speaker 2: out and just kind of like, hey you good, okay.

1410
01:08:00,360 --> 01:08:02,720
Speaker 2: Just such a dope person when she didn't have to be.

1411
01:08:02,920 --> 01:08:06,080
Speaker 2: And that's what networking should look like, that you're just

1412
01:08:06,200 --> 01:08:09,760
Speaker 2: interested in people around you. And she obviously wasn't interested

1413
01:08:09,760 --> 01:08:11,520
Speaker 2: because she thought I could do anything for her, because

1414
01:08:11,520 --> 01:08:13,840
Speaker 2: I could not. But she was just nice for being

1415
01:08:13,960 --> 01:08:15,760
Speaker 2: nice sakes, and this it couldn't have happened to a

1416
01:08:15,840 --> 01:08:16,400
Speaker 2: nicer person.

1417
01:08:17,040 --> 01:08:19,800
Speaker 1: I agree. Congrats bernoushe and everybody go check out Follow

1418
01:08:19,800 --> 01:08:23,080
Speaker 1: the Leader and download So Money the podcast. Also, she's

1419
01:08:23,080 --> 01:08:25,160
Speaker 1: gonna get mad at me because I downplayed so Money.

1420
01:08:25,240 --> 01:08:29,920
Speaker 1: She actually has five million downloads, wow, five times and

1421
01:08:29,960 --> 01:08:32,240
Speaker 1: this is she she hit her one million birthday I

1422
01:08:32,240 --> 01:08:35,440
Speaker 1: think around September, So that's incredible. I'm so proud of you, Bernous.

1423
01:08:35,760 --> 01:08:39,920
Speaker 2: Yes, what she's our very god very financial godsister.

1424
01:08:40,080 --> 01:08:46,280
Speaker 1: Whatever that is, Okay, what's special, that's what we're trying

1425
01:08:46,320 --> 01:08:46,759
Speaker 1: to say.

1426
01:08:46,960 --> 01:08:49,920
Speaker 2: Yes, it has been a tongue twister. We should call

1427
01:08:50,000 --> 01:08:51,280
Speaker 2: you know, you know what I want to call this

1428
01:08:51,280 --> 01:08:53,880
Speaker 2: podcast this episode black Girl Magic.

1429
01:08:55,280 --> 01:08:58,719
Speaker 1: We'll see about that. I'm pretty sure we've already named

1430
01:08:58,720 --> 01:09:00,599
Speaker 1: in episode that, so's to talk about it.

1431
01:09:00,880 --> 01:09:03,000
Speaker 2: Okay, maybe we just call it the Tongue Twister since

1432
01:09:03,000 --> 01:09:04,439
Speaker 2: I've been like tripping over my tongue all night.

1433
01:09:04,520 --> 01:09:07,160
Speaker 1: Words are hard. It is Sunday night. Can you go

1434
01:09:07,200 --> 01:09:11,040
Speaker 1: and have yourself a lovely Sunday evening? Leb Brown Ambition Family.

1435
01:09:11,080 --> 01:09:14,000
Speaker 1: You can again email us at Brownanbition Podcast at gmail

1436
01:09:14,080 --> 01:09:16,840
Speaker 1: dot com, hit us up on Twitter at the BA Podcast,

1437
01:09:16,960 --> 01:09:20,519
Speaker 1: or check us out on Facebook at Brown Ambition Woop Woop.

1438
01:09:20,720 --> 01:09:29,960
Speaker 1: Bye y'all, Bae BA