1
00:00:00,440 --> 00:00:04,120
Speaker 1: Hey, Hey, hey guys, It's me Tiffany and it's Manjo.

2
00:00:04,240 --> 00:00:06,760
Speaker 1: We just want to say thank you guys. You guys

3
00:00:06,800 --> 00:00:10,160
Speaker 1: are amazing thanks to you. Since we started our podcast,

4
00:00:10,200 --> 00:00:13,040
Speaker 1: it was just me and Mandy listening to ourselves to

5
00:00:13,119 --> 00:00:16,440
Speaker 1: now we get over one hundred thousand downloads a month,

6
00:00:17,440 --> 00:00:20,200
Speaker 1: and I know it seems like that's awesome, but we

7
00:00:20,239 --> 00:00:21,080
Speaker 1: can do even better.

8
00:00:21,120 --> 00:00:23,239
Speaker 2: And we have a favor to ask, just.

9
00:00:23,320 --> 00:00:27,040
Speaker 3: A tiny favor, if you could please share our show.

10
00:00:27,360 --> 00:00:29,760
Speaker 3: Share it on your social media. You can tag us

11
00:00:29,840 --> 00:00:33,720
Speaker 3: at Brown Ambition Podcast. Take a screenshot of the show

12
00:00:33,760 --> 00:00:36,839
Speaker 3: that you're listening to and share it on Twitter, on Insta,

13
00:00:36,880 --> 00:00:39,400
Speaker 3: on Facebook, tell a friend to tell a friend. You

14
00:00:39,440 --> 00:00:42,200
Speaker 3: can tag us on social media. We're at Brown Ambition

15
00:00:42,280 --> 00:00:45,680
Speaker 3: Podcast on Insta, at the BA Podcast on Twitter, and

16
00:00:45,720 --> 00:00:48,240
Speaker 3: of course our Facebook group. You can find us under

17
00:00:48,280 --> 00:00:51,640
Speaker 3: Brown Ambition. Don't forget to tag our personal handles too.

18
00:00:51,760 --> 00:00:54,640
Speaker 3: On Insta. I'm at Mandy Money Mandy with an Ie,

19
00:00:55,000 --> 00:00:57,760
Speaker 3: and Tiffany is at the Budget Nista. When you tag us,

20
00:00:57,760 --> 00:01:00,760
Speaker 3: we will share your post and help amplify it even further.

21
00:01:01,200 --> 00:01:03,240
Speaker 3: Thank y'all for all the love this is just gonna

22
00:01:03,280 --> 00:01:05,760
Speaker 3: help us give us that little extra brown boost.

23
00:01:22,160 --> 00:01:30,240
Speaker 1: Hey, hey, hey, we're back. We're black, We're brown.

24
00:01:30,280 --> 00:01:33,840
Speaker 2: Ambision ambisent ambis.

25
00:01:36,440 --> 00:01:41,720
Speaker 3: Hey, mandra, Hey, how's it going. It's going, you know,

26
00:01:42,400 --> 00:01:46,360
Speaker 3: just another week in our frigid tundra of a paradise.

27
00:01:46,400 --> 00:01:50,160
Speaker 1: Just another day in the neighborhood, just another day around

28
00:01:50,200 --> 00:01:54,720
Speaker 1: the way. Name that artist feeling good today? Come on now,

29
00:01:54,880 --> 00:01:59,240
Speaker 1: she's a New Yorky journey native feeling love. Hey, she's

30
00:01:59,240 --> 00:02:00,520
Speaker 1: not a princess, but she's a.

31
00:02:02,200 --> 00:02:06,040
Speaker 3: Queen. Oh hey, we just talked about her. Thank you.

32
00:02:06,400 --> 00:02:09,000
Speaker 3: That was such like a game that she's not a queen,

33
00:02:09,160 --> 00:02:12,000
Speaker 3: but she's a No, she's not a princess, she's a.

34
00:02:12,480 --> 00:02:14,320
Speaker 2: That was good, but you gotta get that. I'm gonna

35
00:02:14,320 --> 00:02:14,600
Speaker 2: give you.

36
00:02:15,000 --> 00:02:17,560
Speaker 1: I'm gonna give you parcel use of your your black

37
00:02:17,560 --> 00:02:18,399
Speaker 1: and brown card back.

38
00:02:19,480 --> 00:02:21,720
Speaker 3: Li said, why are you always holding that over my head?

39
00:02:21,800 --> 00:02:23,640
Speaker 3: That's not fair. I can't calm here. This is a

40
00:02:23,680 --> 00:02:25,480
Speaker 3: safe space. I can't come.

41
00:02:27,600 --> 00:02:28,200
Speaker 2: Every day.

42
00:02:28,600 --> 00:02:30,400
Speaker 1: But you know, just first of all, I just want

43
00:02:30,440 --> 00:02:32,040
Speaker 1: to for those of you who will be about Chinese

44
00:02:32,120 --> 00:02:33,480
Speaker 1: jump rope, thank.

45
00:02:33,320 --> 00:02:34,919
Speaker 2: You, because I was like, I'm not bucket.

46
00:02:34,919 --> 00:02:37,480
Speaker 1: I used to play that in outside of Side on

47
00:02:37,639 --> 00:02:39,680
Speaker 1: It out and so a bunch of y'all were like,

48
00:02:39,760 --> 00:02:40,239
Speaker 1: uh huh.

49
00:02:41,320 --> 00:02:43,480
Speaker 3: Was that last week's show? We got so much love

50
00:02:43,520 --> 00:02:46,840
Speaker 3: for last week's show. I think people really appreciated there

51
00:02:46,880 --> 00:02:49,079
Speaker 3: was some positive energy flowing last week. So if you

52
00:02:49,120 --> 00:02:52,320
Speaker 3: missed last week's episode, episode two fitty two, go check

53
00:02:52,320 --> 00:02:54,120
Speaker 3: it out. Go check it out. Stop what you're doing.

54
00:02:54,480 --> 00:02:56,560
Speaker 3: You can come back to this one later. It's cool.

55
00:02:56,720 --> 00:02:58,800
Speaker 3: Go ahead, go back to with some big news nuggets

56
00:02:58,840 --> 00:03:01,800
Speaker 3: on the last ones to go take sewed out. Also,

57
00:03:01,919 --> 00:03:03,120
Speaker 3: Chinese jump rope is a thing.

58
00:03:03,280 --> 00:03:04,000
Speaker 2: Yes it is.

59
00:03:04,680 --> 00:03:05,160
Speaker 3: It's a thing.

60
00:03:06,639 --> 00:03:09,480
Speaker 2: Ah, So you want to just get get down with it.

61
00:03:09,520 --> 00:03:10,520
Speaker 2: Get down, mandra.

62
00:03:10,800 --> 00:03:17,040
Speaker 3: Let's get down. Let's get down. The socials and the

63
00:03:17,400 --> 00:03:20,640
Speaker 3: personal finance socials at least, were going like nuts a

64
00:03:20,680 --> 00:03:24,560
Speaker 3: few days ago when one David Ramsey, who I don't

65
00:03:24,600 --> 00:03:27,760
Speaker 3: even know what to call this man, personal finance guru

66
00:03:27,840 --> 00:03:31,440
Speaker 3: who just won't quit. Dave Ramsey was on Fox News

67
00:03:31,560 --> 00:03:34,880
Speaker 3: his home away from home, and went on a little

68
00:03:35,120 --> 00:03:38,600
Speaker 3: mini well. He was answering some questions about the stimulus

69
00:03:38,640 --> 00:03:42,480
Speaker 3: and even about some progressive legislation that's being pushed to

70
00:03:42,640 --> 00:03:48,000
Speaker 3: potentially free, relieve, or forgive cancel student loan debt so

71
00:03:48,120 --> 00:03:51,320
Speaker 3: in like a two and a half minute clip in

72
00:03:51,360 --> 00:03:56,120
Speaker 3: this Fox interview Dave he says a little something about

73
00:03:56,120 --> 00:03:59,320
Speaker 3: people who may need a stimulus check, and yeah, people

74
00:03:59,360 --> 00:04:00,080
Speaker 3: are peels.

75
00:04:00,480 --> 00:04:01,720
Speaker 1: So we're actually going to play it for you so

76
00:04:01,760 --> 00:04:04,520
Speaker 1: that way, because it's many pointed out that sometimes, you know,

77
00:04:04,560 --> 00:04:08,000
Speaker 1: people talk about clips and things and there you folks

78
00:04:08,000 --> 00:04:10,120
Speaker 1: who are listening have not gotten the chance to really listen.

79
00:04:10,160 --> 00:04:12,360
Speaker 1: It's only two minutes, but we want to play it

80
00:04:12,360 --> 00:04:15,000
Speaker 1: for you then discuss aka drag hm.

81
00:04:15,160 --> 00:04:19,760
Speaker 3: Okay, let's discuss. Well I had I myself hadn't listened

82
00:04:19,760 --> 00:04:21,680
Speaker 3: to the clip. I had read some of the articles

83
00:04:21,680 --> 00:04:24,159
Speaker 3: that mentioned his quote, but yeah, I do feel like

84
00:04:24,240 --> 00:04:26,120
Speaker 3: if we're going to talk about it, let's listen to it.

85
00:04:26,160 --> 00:04:29,040
Speaker 3: And part of me is like, why I give this man,

86
00:04:29,320 --> 00:04:31,400
Speaker 3: you know, a bigger platform than he already has. But

87
00:04:31,800 --> 00:04:33,840
Speaker 3: you know, I even think some of our Brown Ambition

88
00:04:33,920 --> 00:04:36,640
Speaker 3: listeners are Dave Ramsey fans, and a lot of people

89
00:04:36,760 --> 00:04:41,520
Speaker 3: friends of mine have benefited from his his his empire

90
00:04:41,640 --> 00:04:44,400
Speaker 3: of financial wisdom and all of that, so people still

91
00:04:44,440 --> 00:04:47,240
Speaker 3: turn to him for advice. So I think it's worth

92
00:04:48,120 --> 00:04:50,320
Speaker 3: it's worth hearing him out and then we can talk

93
00:04:50,360 --> 00:04:52,040
Speaker 3: about sort of what he said. So let me get

94
00:04:52,040 --> 00:04:54,000
Speaker 3: my little clip up here and play it for y'all.

95
00:04:55,040 --> 00:04:57,960
Speaker 3: All right, So here is Dave Ramsey on Fox News

96
00:04:58,040 --> 00:05:01,080
Speaker 3: last week talking about a couple different and personal finance

97
00:05:01,080 --> 00:05:04,159
Speaker 3: agenda items on the progressives list.

98
00:05:05,080 --> 00:05:07,120
Speaker 4: Well, to start with, we need to understand we got

99
00:05:07,120 --> 00:05:10,920
Speaker 4: one point seven trillion dollars in student loan debt. One

100
00:05:11,000 --> 00:05:13,920
Speaker 4: hundred and ninety two billion out of that not so much.

101
00:05:14,040 --> 00:05:15,360
Speaker 2: Let's do some ratios, folks.

102
00:05:15,400 --> 00:05:16,880
Speaker 4: If we're going to do math, we probably ought to

103
00:05:16,880 --> 00:05:17,360
Speaker 4: play math.

104
00:05:17,720 --> 00:05:17,920
Speaker 3: Now.

105
00:05:17,960 --> 00:05:20,039
Speaker 4: On top of that, when you dig into it, the

106
00:05:20,080 --> 00:05:23,440
Speaker 4: whole idea that that student loans being forgiven is going

107
00:05:23,440 --> 00:05:26,520
Speaker 4: to stimulate the economy, That assumes that people were getting

108
00:05:26,520 --> 00:05:29,400
Speaker 4: ready to pay them off this year and instead would

109
00:05:29,480 --> 00:05:31,919
Speaker 4: use that same forty thousand dollars that they were getting

110
00:05:31,920 --> 00:05:34,360
Speaker 4: ready to pay off their student loan and stimulate.

111
00:05:33,960 --> 00:05:34,800
Speaker 2: The economy with it.

112
00:05:35,040 --> 00:05:39,000
Speaker 4: Again, that's economic hogwash, it's smoking mirrors. It's simply not

113
00:05:39,080 --> 00:05:41,400
Speaker 4: going to happen. Dave, I just think there's there's a

114
00:05:41,440 --> 00:05:46,760
Speaker 4: moral hazard doing this. You're absolutely, yes, signed a financial contract,

115
00:05:46,800 --> 00:05:50,320
Speaker 4: you have an obligation to pay that money back. Absolutely,

116
00:05:50,560 --> 00:05:53,720
Speaker 4: and listen, there's some situations where folks are hurting and

117
00:05:53,760 --> 00:05:56,520
Speaker 4: this thing has become it's gotten completely out of hand.

118
00:05:56,880 --> 00:05:59,200
Speaker 4: I mean, there are people's lives who have been destroyed

119
00:05:59,480 --> 00:06:03,520
Speaker 4: by this. Somebody needs some relief somewhere. I'm fine with that,

120
00:06:03,720 --> 00:06:06,240
Speaker 4: But this has nothing to do with really helping people.

121
00:06:06,279 --> 00:06:09,919
Speaker 4: This is a political gimme by progressive simply trying to

122
00:06:09,920 --> 00:06:12,039
Speaker 4: buy votes. And we know that because when you go

123
00:06:12,080 --> 00:06:14,800
Speaker 4: from ten thousand in forgiveness to fifty thousand in forgiveness,

124
00:06:14,920 --> 00:06:18,040
Speaker 4: the people who benefit are not lower income people. The

125
00:06:18,160 --> 00:06:20,840
Speaker 4: vast majority of people that have an average income or

126
00:06:20,960 --> 00:06:24,000
Speaker 4: less have less than ten thousand dollars a student loan debt.

127
00:06:24,160 --> 00:06:26,400
Speaker 4: The vast majority of people who be blessed by moving

128
00:06:26,400 --> 00:06:29,800
Speaker 4: it from ten to fifty are high income earners. So again,

129
00:06:30,160 --> 00:06:33,320
Speaker 4: this is all political rhetoric, it's not reality.

130
00:06:33,560 --> 00:06:35,200
Speaker 2: You come from an interesting perspective.

131
00:06:35,240 --> 00:06:37,440
Speaker 4: You talk to Americans across the country every day in

132
00:06:37,480 --> 00:06:41,000
Speaker 4: your radio program, what do you believe is the right

133
00:06:41,120 --> 00:06:46,480
Speaker 4: number or the right answer for the next stimulus check? Well,

134
00:06:46,880 --> 00:06:49,279
Speaker 4: I don't believe in a stimulus check because if six

135
00:06:49,320 --> 00:06:52,040
Speaker 4: hundred dollars or fourteen hundred dollars changes your life, you.

136
00:06:52,000 --> 00:06:52,960
Speaker 2: Were pretty much screwed.

137
00:06:53,000 --> 00:06:57,000
Speaker 4: Already. You got other issues going on. You have a

138
00:06:57,040 --> 00:06:59,240
Speaker 4: career problem, you have a debt problem, you have a

139
00:06:59,320 --> 00:07:02,200
Speaker 4: relationship problem, you have a mental health problem. Something else

140
00:07:02,279 --> 00:07:05,240
Speaker 4: is going on. If six hundred dollars changes your life,

141
00:07:05,320 --> 00:07:07,560
Speaker 4: And that's not talking down to folks. I've been bankrupt,

142
00:07:07,560 --> 00:07:09,360
Speaker 4: I've been broken. I work with people every day who

143
00:07:09,400 --> 00:07:11,240
Speaker 4: are hurting. I love people. I want people to be

144
00:07:11,240 --> 00:07:13,880
Speaker 4: lifted up. But this is again, it is It is

145
00:07:14,000 --> 00:07:16,800
Speaker 4: just political rhetoric, and it's just throwing dollars out there.

146
00:07:16,800 --> 00:07:20,080
Speaker 2: It's peeing on a forest fire. It's absolutely ridiculous. So

147
00:07:20,200 --> 00:07:21,960
Speaker 2: can I start with a little shade real quick?

148
00:07:22,360 --> 00:07:23,000
Speaker 3: Take it away?

149
00:07:23,680 --> 00:07:29,520
Speaker 1: Okay, So the anchor said to Dave Ramsey, you talking

150
00:07:29,560 --> 00:07:31,320
Speaker 1: about the people in general who'd be.

151
00:07:31,280 --> 00:07:32,280
Speaker 2: Looking for assistance.

152
00:07:32,800 --> 00:07:36,600
Speaker 1: You signed a contract, you have a moral obligation to

153
00:07:36,720 --> 00:07:41,920
Speaker 1: pay what's owed. From Dave Ramsey dot com Dave's bankruptcy

154
00:07:41,960 --> 00:07:45,840
Speaker 1: story from his site. Did you know Dave Ramsey filed

155
00:07:45,840 --> 00:07:49,320
Speaker 1: for bankruptcy? I'm reading verbatim. He has He had earned

156
00:07:49,600 --> 00:07:51,920
Speaker 1: a networth of over one million dollars by the time

157
00:07:51,960 --> 00:07:55,120
Speaker 1: he was twenty six, But in September nineteen eighty eight,

158
00:07:55,160 --> 00:07:57,960
Speaker 1: it all came crushing down when the bank called the

159
00:07:58,000 --> 00:08:01,240
Speaker 1: notes of his loans, the contracts that he was morally

160
00:08:01,280 --> 00:08:02,880
Speaker 1: obligated to pay.

161
00:08:02,880 --> 00:08:05,480
Speaker 2: He was left totally broken and completely broken.

162
00:08:07,320 --> 00:08:09,920
Speaker 1: So this is also from the site Do you know

163
00:08:10,000 --> 00:08:13,640
Speaker 1: what does filing for bankruptcy means? When you go through

164
00:08:13,680 --> 00:08:16,680
Speaker 1: the process of filing for bankruptcy, you are telling the

165
00:08:16,760 --> 00:08:22,280
Speaker 1: courts you can't pay your debts set up through federal laws,

166
00:08:22,360 --> 00:08:25,840
Speaker 1: bankruptcy will cancel many of your debts so you can

167
00:08:26,040 --> 00:08:32,920
Speaker 1: start fresh. So Dave hypocrite Ramsey has filed for bankruptcy

168
00:08:33,400 --> 00:08:36,520
Speaker 1: and gotten to restart his millionaire life.

169
00:08:36,840 --> 00:08:39,000
Speaker 2: But you, oh, no, no, no.

170
00:08:38,760 --> 00:08:41,520
Speaker 1: You person who's like, how possibly am I going to

171
00:08:41,559 --> 00:08:44,440
Speaker 1: be able to feed my child, pay for my mortgage

172
00:08:44,440 --> 00:08:49,199
Speaker 1: and my rent during a historic worldwide pandemic.

173
00:08:49,640 --> 00:08:52,120
Speaker 2: Pooh pooh on you for asking for.

174
00:08:52,120 --> 00:08:57,240
Speaker 1: Assistance because you are morally obligated to pay for everything

175
00:08:57,240 --> 00:08:58,360
Speaker 1: that you've ever borrowed.

176
00:08:58,760 --> 00:09:00,760
Speaker 2: But not Dave Ramsey though, of course not him.

177
00:09:00,880 --> 00:09:02,280
Speaker 1: So I just wanted to start with that piece of

178
00:09:02,360 --> 00:09:05,360
Speaker 1: hypocritical shade this man, quite honestly, and I don't lose

179
00:09:05,400 --> 00:09:05,760
Speaker 1: hand much.

180
00:09:05,840 --> 00:09:11,480
Speaker 2: He's trash.

181
00:09:11,520 --> 00:09:12,280
Speaker 3: Do you feel better?

182
00:09:13,040 --> 00:09:16,440
Speaker 2: Actually, do commence? I'm gonna tagging win man, I've tagged

183
00:09:16,400 --> 00:09:17,959
Speaker 2: you into the ropes me.

184
00:09:17,880 --> 00:09:19,520
Speaker 3: And let me let me in, Let me in. Well,

185
00:09:19,520 --> 00:09:21,040
Speaker 3: I don't know if I've ever mentioned this. I just

186
00:09:21,080 --> 00:09:23,679
Speaker 3: went on Twitter to see if Dave, you know, try listen.

187
00:09:23,720 --> 00:09:25,560
Speaker 3: I tried to be a journalist sometimes see if the

188
00:09:25,600 --> 00:09:28,800
Speaker 3: man's come out and said anything in response to all this,

189
00:09:29,559 --> 00:09:33,599
Speaker 3: the the justified anger that people have towards this, the

190
00:09:33,640 --> 00:09:35,640
Speaker 3: statement that he made on Fox News. And I can't

191
00:09:35,679 --> 00:09:37,840
Speaker 3: even see his tweets because he blocked me. I don't know.

192
00:09:38,120 --> 00:09:40,840
Speaker 3: I don't know when, but I've been blocked by Jay Ramsey.

193
00:09:41,400 --> 00:09:43,440
Speaker 3: Maybe it has been for years. I do know that

194
00:09:43,520 --> 00:09:46,200
Speaker 3: I was blacklisted by his people years ago when I

195
00:09:46,240 --> 00:09:50,280
Speaker 3: was at Business Insider because I he had been basically

196
00:09:50,280 --> 00:09:53,520
Speaker 3: talking about retirement and how you can expect like a

197
00:09:53,520 --> 00:09:56,320
Speaker 3: twelve percent return on your retirement anyway, and I wrote

198
00:09:56,320 --> 00:09:58,960
Speaker 3: an article talking about how that's a little too rosy

199
00:09:59,000 --> 00:10:02,000
Speaker 3: of a picture for the eye investor to anticipate seven

200
00:10:02,120 --> 00:10:04,679
Speaker 3: or sorry, twelve percent gains on their investment. Anyway. He

201
00:10:04,720 --> 00:10:07,439
Speaker 3: didn't like that, and like I got invited to a

202
00:10:07,520 --> 00:10:09,680
Speaker 3: Dave Ramsey thing and then disinvited. It was a whole

203
00:10:09,679 --> 00:10:13,240
Speaker 3: thing I guess I guess he's a little petty. Yes,

204
00:10:13,280 --> 00:10:16,880
Speaker 3: But you know, for me, I think I mean this

205
00:10:17,040 --> 00:10:22,200
Speaker 3: for me is is is a man who has benefited,

206
00:10:22,280 --> 00:10:26,360
Speaker 3: I think, from a certain rhetoric around you know, financial

207
00:10:26,400 --> 00:10:29,880
Speaker 3: advice that that uses shame against people and tries to

208
00:10:29,880 --> 00:10:32,520
Speaker 3: make them feel small for having problems at all. And

209
00:10:33,200 --> 00:10:35,480
Speaker 3: I don't think I think he is very much of

210
00:10:36,320 --> 00:10:40,320
Speaker 3: you know, an era of personal finance guru ship that

211
00:10:40,600 --> 00:10:43,720
Speaker 3: I think is ending now and I really feel like

212
00:10:43,840 --> 00:10:47,679
Speaker 3: the rise of a lot of more compassionate personal finance

213
00:10:48,200 --> 00:10:53,199
Speaker 3: advice and education and frankly, you know, of rise in

214
00:10:53,400 --> 00:10:57,040
Speaker 3: diverse voices in personal finance education, so that he's not

215
00:10:57,120 --> 00:10:59,560
Speaker 3: the only option for people, and so that we have

216
00:10:59,640 --> 00:11:02,840
Speaker 3: different perspectives, because look, this is a perspective of a

217
00:11:02,880 --> 00:11:06,920
Speaker 3: wealthy man who has who is privileged in so many ways,

218
00:11:07,040 --> 00:11:09,240
Speaker 3: and has been put on a pedestal bites so many

219
00:11:09,280 --> 00:11:13,120
Speaker 3: people for his personal finance tips, and frankly, like how

220
00:11:13,240 --> 00:11:15,480
Speaker 3: you know he's very far removed from the people that

221
00:11:15,520 --> 00:11:16,840
Speaker 3: he helps every day or so yes.

222
00:11:16,760 --> 00:11:17,240
Speaker 2: He's that day.

223
00:11:17,679 --> 00:11:21,040
Speaker 1: Let's make sure it's the double w the wealthy white man.

224
00:11:22,760 --> 00:11:25,120
Speaker 1: Now here's the thing that honestly also kind of pissed

225
00:11:25,160 --> 00:11:26,800
Speaker 1: me off, not even kind of just straight U piss

226
00:11:26,880 --> 00:11:30,720
Speaker 1: me off. Is that he mentioned that he doesn't think

227
00:11:30,800 --> 00:11:34,840
Speaker 1: that student loan forgiveness should be discussed going from ten

228
00:11:34,920 --> 00:11:38,640
Speaker 1: thousand dollars being forgiven up to fifty thousand. He's like, Oh,

229
00:11:38,720 --> 00:11:40,960
Speaker 1: that's not going to help anybody, because this is what

230
00:11:40,960 --> 00:11:44,480
Speaker 1: he's saying, if you remember from the clip, because most

231
00:11:44,559 --> 00:11:48,240
Speaker 1: low income folks don't have fifty thousand dollars or more

232
00:11:48,280 --> 00:11:50,520
Speaker 1: of student loans to be forgiven. That's really going to

233
00:11:50,600 --> 00:11:54,440
Speaker 1: help folks who are not struggling. What he fails to,

234
00:11:54,520 --> 00:12:02,800
Speaker 1: either intentionally or unintentionally mentioned, is that this would significantly

235
00:12:02,880 --> 00:12:06,840
Speaker 1: help black student bars. But you know, Dave, God forbid

236
00:12:06,880 --> 00:12:09,560
Speaker 1: the blacks benefit other than what he's coming into your

237
00:12:09,640 --> 00:12:13,080
Speaker 1: church is telling y'all. Y'all ain't ish by his stuff.

238
00:12:13,640 --> 00:12:17,320
Speaker 1: So anyway, so according to am I business inside of

239
00:12:17,360 --> 00:12:20,360
Speaker 1: your old employer, I just want to kind of give

240
00:12:20,400 --> 00:12:23,760
Speaker 1: you some some stats. Right, So, according to a business insider,

241
00:12:24,360 --> 00:12:30,040
Speaker 1: eighty six point six percent of black student bars have

242
00:12:30,240 --> 00:12:34,360
Speaker 1: federal loans in comparison to fifty nine point nine percent

243
00:12:34,360 --> 00:12:38,000
Speaker 1: of white students. So black students are I mean eighty

244
00:12:38,200 --> 00:12:42,040
Speaker 1: six point six percent are borrowing federal loans. That's tremendous, right,

245
00:12:42,600 --> 00:12:45,200
Speaker 1: even well off black students carrying more student loans at

246
00:12:45,200 --> 00:12:49,640
Speaker 1: than anyone else. Right, the average black student graduate has

247
00:12:49,720 --> 00:12:54,360
Speaker 1: well over seventy four hundred dollars more student more in

248
00:12:54,440 --> 00:12:56,480
Speaker 1: student loan debt than they're white peers.

249
00:12:56,480 --> 00:12:57,760
Speaker 2: So not right.

250
00:12:58,200 --> 00:13:02,480
Speaker 1: So not that that they have under ten thousand, but

251
00:13:02,960 --> 00:13:07,840
Speaker 1: seventy four percent more debt. That's just crazy. So the

252
00:13:07,880 --> 00:13:11,079
Speaker 1: gap widens over time. After four years, black grats hold

253
00:13:11,200 --> 00:13:13,120
Speaker 1: almost twice as much in student loan debt as their

254
00:13:13,160 --> 00:13:19,680
Speaker 1: white counterparts at fifty three thousand dollars. So if federal

255
00:13:19,679 --> 00:13:23,880
Speaker 1: student loans could be forgiven up to fifty thousand dollars.

256
00:13:23,600 --> 00:13:26,559
Speaker 2: It would significantly help this community.

257
00:13:26,920 --> 00:13:29,000
Speaker 1: I just this is the same man that has said

258
00:13:29,000 --> 00:13:30,640
Speaker 1: I usally don't speak on him because quite honestly, I

259
00:13:30,679 --> 00:13:31,640
Speaker 1: don't care about Dave Ramsey.

260
00:13:31,679 --> 00:13:33,160
Speaker 2: I came about y'all, you know.

261
00:13:33,800 --> 00:13:37,120
Speaker 1: But this is the same man that has said that

262
00:13:37,240 --> 00:13:41,320
Speaker 1: money is not black or white, it's green. I just

263
00:13:41,720 --> 00:13:43,959
Speaker 1: the thought to say that. Tell that to the white

264
00:13:43,960 --> 00:13:45,600
Speaker 1: man that came to my house and said that my

265
00:13:45,640 --> 00:13:48,120
Speaker 1: house was worth thirty thousand dollars or less. There's another couple.

266
00:13:48,160 --> 00:13:51,160
Speaker 1: Did you see this other couple in California recently, Mandy. Yes,

267
00:13:51,240 --> 00:13:53,439
Speaker 1: they had to have their white friend come in. They

268
00:13:53,440 --> 00:13:56,760
Speaker 1: got under appraise by over a half a million dollars

269
00:13:57,120 --> 00:13:59,800
Speaker 1: stolen from these people. They had to fight their bank,

270
00:14:00,160 --> 00:14:03,360
Speaker 1: ask their white friend come in, be my wife, put

271
00:14:03,400 --> 00:14:06,120
Speaker 1: up your white pictures, and their house was appraised at

272
00:14:06,160 --> 00:14:11,000
Speaker 1: five hundred something thousand dollars more five hundred thousand dollars

273
00:14:11,000 --> 00:14:13,480
Speaker 1: in wealth that was almost lost to this family if

274
00:14:13,520 --> 00:14:16,080
Speaker 1: they did not have a white friend. So money is

275
00:14:16,120 --> 00:14:19,400
Speaker 1: not black or white as green is the wealthy white

276
00:14:19,440 --> 00:14:23,280
Speaker 1: man perspective. And he's not dumb. Dave Ramsey's empire is

277
00:14:23,320 --> 00:14:26,120
Speaker 1: like worth over four hundred million dollars, quite honestly built

278
00:14:26,160 --> 00:14:28,360
Speaker 1: on the backs of black and brown people because we

279
00:14:28,400 --> 00:14:32,160
Speaker 1: allow him to spread his poisonous brand of financial education

280
00:14:32,240 --> 00:14:35,280
Speaker 1: into our community. Now here's the thing. Are some of

281
00:14:35,320 --> 00:14:39,400
Speaker 1: his principles sound? Yes, absolutely, some of his principles are sound,

282
00:14:39,720 --> 00:14:43,120
Speaker 1: But the lack of empathy, the lack of connection to

283
00:14:43,160 --> 00:14:46,560
Speaker 1: the community that truly needs service and help. You can

284
00:14:46,600 --> 00:14:50,760
Speaker 1: get that sound personal financial education from so many places,

285
00:14:50,800 --> 00:14:52,160
Speaker 1: from someone who actually.

286
00:14:51,840 --> 00:14:53,160
Speaker 2: Cares about your well being.

287
00:14:53,840 --> 00:14:55,240
Speaker 1: Some of the things that they I'm not even going

288
00:14:55,280 --> 00:14:56,920
Speaker 1: to share because some of them has been shared behind

289
00:14:56,920 --> 00:14:58,640
Speaker 1: the scenes. Some of the things that he's selling you

290
00:14:58,720 --> 00:15:04,880
Speaker 1: are unconscionable. Unconscionable. Steering you, guys, into insurance that is

291
00:15:04,920 --> 00:15:09,760
Speaker 1: not for your benefits, steering you into financial practice services

292
00:15:09,760 --> 00:15:13,600
Speaker 1: that line his pockets. Four hundred million dollars, this is

293
00:15:13,600 --> 00:15:16,440
Speaker 1: what he's made because he is so welcomed to our

294
00:15:16,440 --> 00:15:18,800
Speaker 1: black and round churches. You know how much of that

295
00:15:18,840 --> 00:15:20,880
Speaker 1: money has gone back into the community. Does he give

296
00:15:20,920 --> 00:15:23,320
Speaker 1: to the Negro College Fund? You se him at the

297
00:15:23,400 --> 00:15:26,560
Speaker 1: NAAC people cookout. Is he pouring into that community?

298
00:15:26,640 --> 00:15:27,480
Speaker 2: No, he is.

299
00:15:27,560 --> 00:15:30,240
Speaker 1: Milking this community and then telling you to kiss his

300
00:15:30,320 --> 00:15:31,520
Speaker 1: behind on the way out.

301
00:15:31,640 --> 00:15:37,320
Speaker 3: But that's just me and my tea. I appreciate the tea.

302
00:15:37,400 --> 00:15:38,960
Speaker 3: I mean, I feel like we need to balance this out.

303
00:15:39,000 --> 00:15:41,960
Speaker 3: Let's talk. Let's let's name some names that deserve some shine.

304
00:15:42,040 --> 00:15:44,800
Speaker 3: Let's name some names. So who in personal finance education

305
00:15:45,000 --> 00:15:48,400
Speaker 3: has got you excited? While I'm asking? I'm gonna go

306
00:15:48,440 --> 00:15:51,680
Speaker 3: because there was a really amazing Instagram post by a

307
00:15:51,720 --> 00:15:54,640
Speaker 3: financial educator. Ooh, I need to share. Her name is Anna,

308
00:15:54,760 --> 00:15:58,600
Speaker 3: but I'm thinking like investing Latina. What's her name is Julie.

309
00:15:58,640 --> 00:15:59,080
Speaker 2: I love her.

310
00:15:59,200 --> 00:16:02,640
Speaker 3: M she's amazing. Oh for news to Rob you got

311
00:16:02,720 --> 00:16:03,200
Speaker 3: on the show.

312
00:16:03,360 --> 00:16:06,880
Speaker 1: Katrina Washington, we love her. Lynette caw Finnie Cox, you.

313
00:16:06,840 --> 00:16:07,480
Speaker 2: Know we love her.

314
00:16:08,280 --> 00:16:10,640
Speaker 1: I actually, honestly, I really like David Bach. He's a

315
00:16:10,640 --> 00:16:12,960
Speaker 1: white man, a wealthy white man. But David Bach, he's

316
00:16:13,000 --> 00:16:17,240
Speaker 1: the first time I ever read a compassionate financial educator.

317
00:16:17,280 --> 00:16:20,440
Speaker 1: Like I read his book The Automatic Millionaire and Smart

318
00:16:20,440 --> 00:16:23,320
Speaker 1: Woman finished rich, but the tone was so compassionate.

319
00:16:23,360 --> 00:16:25,680
Speaker 2: I was shocked. And so he's another awesome one.

320
00:16:26,880 --> 00:16:28,640
Speaker 3: And I haven't thought about David back in a minute.

321
00:16:28,840 --> 00:16:29,720
Speaker 2: Who is he at? I don't.

322
00:16:29,760 --> 00:16:30,600
Speaker 3: Yeah, he's got a bunch.

323
00:16:30,440 --> 00:16:32,840
Speaker 2: Of David balaktu is in like in Italy.

324
00:16:32,880 --> 00:16:35,000
Speaker 1: He just messaged me the other day congratulate me on

325
00:16:35,000 --> 00:16:38,520
Speaker 1: my on my magazine cover, my my money magazine cover.

326
00:16:38,600 --> 00:16:41,840
Speaker 1: I honestly, I've always really, really liked David Bach. There

327
00:16:41,840 --> 00:16:44,280
Speaker 1: are a bunch broke millennial that's Aaron.

328
00:16:44,400 --> 00:16:46,640
Speaker 2: She's awesome. Ramat obviously.

329
00:16:47,880 --> 00:16:49,520
Speaker 3: Just bread sing from minority mind.

330
00:16:49,560 --> 00:16:51,480
Speaker 2: You know we love to free just chrastic.

331
00:16:51,200 --> 00:16:54,760
Speaker 1: Journey to launch the investing Tutor. I think that's doctor.

332
00:16:54,480 --> 00:17:00,600
Speaker 3: Hans Popcorn Finance. Chris Browning runs Pipe Popcorn Finance. He's dope.

333
00:17:00,720 --> 00:17:00,960
Speaker 2: Yes.

334
00:17:01,640 --> 00:17:04,159
Speaker 3: Oh here it is Anna. Let me get like the

335
00:17:04,200 --> 00:17:04,840
Speaker 3: harm Paine.

336
00:17:06,280 --> 00:17:08,719
Speaker 1: Oh, there's also grow black girl. Is that her name Dasha?

337
00:17:08,840 --> 00:17:09,600
Speaker 1: She's awesome?

338
00:17:11,320 --> 00:17:14,000
Speaker 3: Oh Marcia Barnes Yes, from the Finance Bar.

339
00:17:14,160 --> 00:17:18,000
Speaker 1: Yep, love Marcia. Oh obviously Sandy. Yes, I am cheap.

340
00:17:18,040 --> 00:17:23,360
Speaker 1: She's awesome. She sused to have Tila also, I love

341
00:17:23,440 --> 00:17:25,600
Speaker 1: Tila at the Ivy Investor.

342
00:17:25,640 --> 00:17:29,480
Speaker 2: These are some investing folks. She's awesome of Courtney love it.

343
00:17:29,520 --> 00:17:32,480
Speaker 3: So this is Anna nij Conti. She's a CFP. I

344
00:17:32,480 --> 00:17:34,560
Speaker 3: hope I pronounced your name right. I'm sorry. I was

345
00:17:34,560 --> 00:17:36,440
Speaker 3: just so excited to share you. So. She actually posted

346
00:17:36,480 --> 00:17:40,119
Speaker 3: on Instagram this week a post from a former colleague.

347
00:17:40,160 --> 00:17:42,240
Speaker 3: So she's a certified financial planner. She used to work

348
00:17:42,280 --> 00:17:44,679
Speaker 3: for a big financial institution. And one of her white

349
00:17:44,720 --> 00:17:48,440
Speaker 3: colleagues posted on Twitter just like not even in response

350
00:17:48,480 --> 00:17:51,160
Speaker 3: to anything that she had done. She's she's gone since

351
00:17:51,200 --> 00:17:53,240
Speaker 3: gone out on her own and started to build her

352
00:17:53,280 --> 00:17:56,160
Speaker 3: brand as a financial educator. And he talks about I'm

353
00:17:56,160 --> 00:17:58,679
Speaker 3: going to try and summarize. She took some screenshots of

354
00:17:58,720 --> 00:18:00,800
Speaker 3: his post. And he's a CFP and he talks about

355
00:18:00,840 --> 00:18:03,840
Speaker 3: how he was young, inexperienced, and his job asked him

356
00:18:03,840 --> 00:18:07,480
Speaker 3: to train her in her job basically, and then what

357
00:18:07,520 --> 00:18:09,760
Speaker 3: he says is, had I not been clouded by my

358
00:18:09,800 --> 00:18:12,520
Speaker 3: own ambition, Anna and I never really connected and she

359
00:18:12,640 --> 00:18:15,240
Speaker 3: left not long after that request was made. If you

360
00:18:15,280 --> 00:18:17,280
Speaker 3: don't know Anna, you should know she's a black woman

361
00:18:17,320 --> 00:18:19,600
Speaker 3: and I am clearly a white man. Not that I'm

362
00:18:19,640 --> 00:18:22,320
Speaker 3: saying race was a direct factor, but there's no denying

363
00:18:22,320 --> 00:18:24,679
Speaker 3: in my mind that our skin color played a subconscious

364
00:18:24,760 --> 00:18:28,440
Speaker 3: role in my gender. My underqualified white ass being asked

365
00:18:28,480 --> 00:18:32,320
Speaker 3: to teach an incredibly intelligent black woman anything. Looking back,

366
00:18:32,359 --> 00:18:34,320
Speaker 3: I should have picked up on it then, but I didn't.

367
00:18:34,400 --> 00:18:36,800
Speaker 3: So this is Anna and you should definitely follow her

368
00:18:36,840 --> 00:18:38,320
Speaker 3: on Insta.

369
00:18:38,560 --> 00:18:40,360
Speaker 2: Yes, Kelly will also.

370
00:18:40,119 --> 00:18:42,000
Speaker 1: Watch to other list of all these kids, Yes, writch

371
00:18:42,000 --> 00:18:43,880
Speaker 1: in regular that's another one too, And it's just such

372
00:18:43,880 --> 00:18:45,360
Speaker 1: a you know, it's funny you say that because there's

373
00:18:45,400 --> 00:18:45,720
Speaker 1: a woman.

374
00:18:45,800 --> 00:18:46,040
Speaker 3: Now.

375
00:18:46,080 --> 00:18:47,960
Speaker 1: I'm not going to give too much information away, but

376
00:18:48,240 --> 00:18:50,800
Speaker 1: she's basically being pushed out of her corporate role, even

377
00:18:50,840 --> 00:18:54,960
Speaker 1: though she is dynamic. And I was about to list

378
00:18:55,000 --> 00:18:56,400
Speaker 1: some of the schools that she went to because she's

379
00:18:56,400 --> 00:18:58,000
Speaker 1: got her master, she's got her bachelor's but I think

380
00:18:58,000 --> 00:19:00,680
Speaker 1: I would give too much away. But I just heard

381
00:19:00,680 --> 00:19:03,439
Speaker 1: through the grapevine through a friend and they were just

382
00:19:03,480 --> 00:19:06,320
Speaker 1: sharing how like you know, and the company that she's

383
00:19:06,359 --> 00:19:10,040
Speaker 1: being pushed out of is known for pushing black women

384
00:19:10,200 --> 00:19:12,760
Speaker 1: out of high positions and power. I've known a handful

385
00:19:12,840 --> 00:19:14,960
Speaker 1: of people that I know personally that have been pushed

386
00:19:14,960 --> 00:19:15,720
Speaker 1: out once they got.

387
00:19:15,640 --> 00:19:17,520
Speaker 2: To a certain earning amount.

388
00:19:17,880 --> 00:19:22,080
Speaker 1: And so thankfully we were looking there's a role that's

389
00:19:22,119 --> 00:19:25,080
Speaker 1: open in our company where we can pay her something

390
00:19:25,119 --> 00:19:27,359
Speaker 1: not quite what she was making, but at least something comparable.

391
00:19:27,600 --> 00:19:29,679
Speaker 1: So I'm hoping it'll be a fit. But it's just

392
00:19:29,800 --> 00:19:33,920
Speaker 1: really it's exhausting, y'o. Like I don't think people understand,

393
00:19:33,960 --> 00:19:35,680
Speaker 1: like if you are not black or brown and you're

394
00:19:35,720 --> 00:19:38,600
Speaker 1: listening and you're hearing the like, cause they're like, I

395
00:19:38,640 --> 00:19:40,960
Speaker 1: feel like black and brown people, we go from rais

396
00:19:41,119 --> 00:19:45,760
Speaker 1: to exhaustion to just like a Because I just want

397
00:19:45,800 --> 00:19:48,719
Speaker 1: you to for a minute, pretend that you were playing

398
00:19:48,720 --> 00:19:52,920
Speaker 1: a game. Let's just say we were playing cards and

399
00:19:53,000 --> 00:19:55,159
Speaker 1: someone says, these are the rules for cards, you know,

400
00:19:55,280 --> 00:19:57,000
Speaker 1: like you just have to match the two cards up,

401
00:19:57,200 --> 00:19:58,560
Speaker 1: and you're like okay, So you start to play, you

402
00:19:58,600 --> 00:20:00,959
Speaker 1: start to win, They're like, oh no, no, the cars

403
00:20:01,000 --> 00:20:03,400
Speaker 1: can't just pass by number. You also have to mass

404
00:20:03,400 --> 00:20:06,080
Speaker 1: by color. And you're like, oh, okay, but the person

405
00:20:06,119 --> 00:20:08,320
Speaker 1: before they dis match by number. No, yeah, yeah, those

406
00:20:08,320 --> 00:20:10,560
Speaker 1: are the rules. So you're like, okay, matching by number

407
00:20:10,560 --> 00:20:13,080
Speaker 1: by color? Oh no, no, no, you start to win. No, no, no,

408
00:20:13,400 --> 00:20:15,399
Speaker 1: it's not just by number by color. You also have

409
00:20:15,480 --> 00:20:17,560
Speaker 1: to match by suit. But you're like, no, but that's

410
00:20:17,680 --> 00:20:19,320
Speaker 1: the other person. That's not how to Yeah, but we

411
00:20:19,400 --> 00:20:22,000
Speaker 1: change the rules. Can you imagine playing a game that

412
00:20:22,280 --> 00:20:25,040
Speaker 1: just when you start to figure it out, they change

413
00:20:25,080 --> 00:20:30,159
Speaker 1: the rules and then blame you if you don't win, Like, well, girls,

414
00:20:30,240 --> 00:20:31,600
Speaker 1: you just knew how to play the game better.

415
00:20:31,640 --> 00:20:34,520
Speaker 2: It's like, no, you keep changing the rules on purpose

416
00:20:34,920 --> 00:20:38,560
Speaker 2: so that I lose and then expect for me to

417
00:20:38,560 --> 00:20:41,239
Speaker 2: be happy with whatever little crumbs I've been able to

418
00:20:41,280 --> 00:20:41,720
Speaker 2: win with.

419
00:20:42,359 --> 00:20:46,040
Speaker 1: It is the level of gall and audacity. That's why

420
00:20:46,080 --> 00:20:48,760
Speaker 1: you couldn't pay me. I don't care if someone's atifty

421
00:20:48,760 --> 00:20:52,560
Speaker 1: will give you one hundred million dollars to join corporate

422
00:20:52,880 --> 00:20:55,040
Speaker 1: and to be mistreated in that way. I would never

423
00:20:55,480 --> 00:20:58,919
Speaker 1: only because because I've been offered. But I want the

424
00:20:59,000 --> 00:21:02,200
Speaker 1: reason why I I work do the budget, Nissa. It's

425
00:21:02,240 --> 00:21:04,800
Speaker 1: not just for myself, but to be able to create

426
00:21:04,840 --> 00:21:08,720
Speaker 1: a safe haven for women like me, to be able

427
00:21:08,760 --> 00:21:12,480
Speaker 1: to shine. Like we are on track to make twenty

428
00:21:12,600 --> 00:21:16,199
Speaker 1: million dollars this year. We pay our employees well, we

429
00:21:16,280 --> 00:21:18,560
Speaker 1: get bonuses when outside is open. We take them on

430
00:21:18,600 --> 00:21:21,000
Speaker 1: trips that are all expense paid. You know, you have

431
00:21:21,040 --> 00:21:22,800
Speaker 1: a baby, you get in a gift. You get married,

432
00:21:22,800 --> 00:21:24,800
Speaker 1: you get in a gift. You know, we have a

433
00:21:24,920 --> 00:21:28,920
Speaker 1: prayer channel in slack. You need prayer. You're getting prayed over. Like,

434
00:21:29,040 --> 00:21:32,400
Speaker 1: I want to create a super safe environment because it's

435
00:21:32,440 --> 00:21:34,040
Speaker 1: trash out here in these streets. Like there are a

436
00:21:34,080 --> 00:21:38,040
Speaker 1: few places like Mandy's at now, like Ally who really try.

437
00:21:38,119 --> 00:21:40,040
Speaker 1: It's so funny their name is Ally because they really

438
00:21:40,040 --> 00:21:42,000
Speaker 1: try to be an Ally And I've seen it. And

439
00:21:42,320 --> 00:21:44,560
Speaker 1: you know, they're one of the few financial institutions that

440
00:21:44,640 --> 00:21:47,040
Speaker 1: I consent to work with when they've asked me, because

441
00:21:47,359 --> 00:21:49,639
Speaker 1: I see the way they navigate in this space. But

442
00:21:49,680 --> 00:21:51,919
Speaker 1: it's few and far in between, and it is a

443
00:21:52,000 --> 00:21:55,959
Speaker 1: level of like what they basically tell black people is

444
00:21:56,000 --> 00:21:59,439
Speaker 1: that one you're never going to make as much and

445
00:21:59,480 --> 00:22:03,040
Speaker 1: if something belongs to you, the value is always less.

446
00:22:03,119 --> 00:22:05,360
Speaker 1: If that is your home, it's worth this. If it's

447
00:22:05,359 --> 00:22:07,359
Speaker 1: someone else's home, it's worth something else. How do you

448
00:22:07,359 --> 00:22:10,840
Speaker 1: get ahead in that? Like, honestly, how does someone get

449
00:22:10,840 --> 00:22:14,080
Speaker 1: ahead like I just? I mean I have worked my

450
00:22:14,200 --> 00:22:17,000
Speaker 1: tail off and I have grown my net worth to

451
00:22:17,080 --> 00:22:19,280
Speaker 1: multiple seven figures, and someone can still come to my

452
00:22:19,320 --> 00:22:22,359
Speaker 1: house and say, yeah, no, it's not worth what you think.

453
00:22:22,560 --> 00:22:25,560
Speaker 1: You know, because you know black just like the level,

454
00:22:25,600 --> 00:22:28,600
Speaker 1: it's just infuriating. And I just some days I just

455
00:22:28,640 --> 00:22:30,840
Speaker 1: tap out. I'm just like I can another days, you know,

456
00:22:30,880 --> 00:22:32,840
Speaker 1: I go back to the battle. But then you know,

457
00:22:32,960 --> 00:22:36,240
Speaker 1: y'all still give energy to people like Dr who I

458
00:22:36,320 --> 00:22:39,240
Speaker 1: honestly never mention because he's not worth He's not worth

459
00:22:39,400 --> 00:22:41,560
Speaker 1: the mention. If I share with you what he does

460
00:22:41,560 --> 00:22:44,480
Speaker 1: behind the scenes when he's connecting with these financial influencers

461
00:22:44,560 --> 00:22:46,240
Speaker 1: and on how he tries to.

462
00:22:46,200 --> 00:22:47,400
Speaker 2: Take advantage of them.

463
00:22:47,640 --> 00:22:51,560
Speaker 1: I mean, I don't get invited to his financial influencer summit,

464
00:22:51,640 --> 00:22:54,280
Speaker 1: and I know why because he knows damn well, I'm

465
00:22:54,280 --> 00:22:56,520
Speaker 1: not gonna let you take advantage of my brand. I mean,

466
00:22:56,560 --> 00:22:58,040
Speaker 1: if I tell you of some of the stuff that

467
00:22:58,040 --> 00:22:59,679
Speaker 1: people have told me behind the scenes and ask me

468
00:22:59,680 --> 00:23:02,399
Speaker 1: not to share, but about what that looks like if

469
00:23:02,440 --> 00:23:06,160
Speaker 1: you partner with him, and I use partner as loosely

470
00:23:06,240 --> 00:23:08,600
Speaker 1: as possible, because it's really just a takeover.

471
00:23:09,119 --> 00:23:12,440
Speaker 2: It is it is. Where is the Christianity? I don't

472
00:23:12,440 --> 00:23:12,800
Speaker 2: see it.

473
00:23:13,520 --> 00:23:15,480
Speaker 1: You know, I'm sure this is gonna get me super banned,

474
00:23:15,600 --> 00:23:17,359
Speaker 1: but I see I could care less because that's what

475
00:23:17,400 --> 00:23:20,000
Speaker 1: happened when you build your own shit. Because you know,

476
00:23:20,320 --> 00:23:22,320
Speaker 1: what can he do? Is he gonna tell who? You're

477
00:23:22,320 --> 00:23:25,000
Speaker 1: gonna tell dreamcatches to what not? Massuativity, no more try.

478
00:23:25,480 --> 00:23:29,280
Speaker 1: But yeah, I just it's just sickening and I'm over it.

479
00:23:29,359 --> 00:23:31,919
Speaker 1: And I just wish like he's already he's never not

480
00:23:31,960 --> 00:23:34,280
Speaker 1: gonna be wealthy. But I just wish people would turn

481
00:23:34,320 --> 00:23:37,359
Speaker 1: their gaze away from him and lean into those people

482
00:23:37,359 --> 00:23:40,080
Speaker 1: who actually care about you. I'm not talking about me.

483
00:23:40,640 --> 00:23:44,560
Speaker 1: There are so many folks out there who actually care about.

484
00:23:44,320 --> 00:23:46,880
Speaker 2: You and your journey. And he ain't it.

485
00:23:47,359 --> 00:23:50,080
Speaker 3: He ain't it. And I will just say on the

486
00:23:50,119 --> 00:23:52,560
Speaker 3: talk of stimulus checks because this is an issue happening

487
00:23:52,680 --> 00:23:55,480
Speaker 3: right now, like Congress needs to pass in their stimulus bill.

488
00:23:55,920 --> 00:23:59,159
Speaker 3: The people are bleeding, and the idea that you know

489
00:23:59,280 --> 00:24:01,480
Speaker 3: the part of his quote where he says if you

490
00:24:01,520 --> 00:24:03,560
Speaker 3: don't you know, he doesn't believe in a stimulus check

491
00:24:03,600 --> 00:24:06,800
Speaker 3: because quote, if six hundred dollars or fourteen hundred dollars

492
00:24:06,840 --> 00:24:09,119
Speaker 3: changes your life, you were pretty much screwed already. You

493
00:24:09,200 --> 00:24:11,159
Speaker 3: got other issues going on. And he goes on to

494
00:24:11,280 --> 00:24:16,439
Speaker 3: list career issues, relationship, What about a pandemic that noone

495
00:24:16,480 --> 00:24:20,920
Speaker 3: could have predicted or prepared for, Like I anyone who's

496
00:24:20,920 --> 00:24:23,280
Speaker 3: ever written the word save three to six months for

497
00:24:23,320 --> 00:24:26,879
Speaker 3: an emergency fund? What help have we offered people? Like, honestly,

498
00:24:27,240 --> 00:24:30,000
Speaker 3: it's been nearly a year of this pandemic. So the

499
00:24:30,400 --> 00:24:33,480
Speaker 3: goll and the audacity to say that if this changes

500
00:24:33,520 --> 00:24:36,000
Speaker 3: your life, then you have other issues going on, You're right, dude,

501
00:24:36,040 --> 00:24:40,240
Speaker 3: Like there are huge, uncontrollable issues at stake here. Like

502
00:24:40,280 --> 00:24:43,280
Speaker 3: people's lives have been upended by this pandemic. And they

503
00:24:43,359 --> 00:24:45,720
Speaker 3: do need a band aid because they are bleeding and

504
00:24:45,760 --> 00:24:47,760
Speaker 3: they're hemorrhaging, and they need more than a band aid,

505
00:24:47,760 --> 00:24:50,480
Speaker 3: but they need something. And like if you if you

506
00:24:50,520 --> 00:24:53,879
Speaker 3: go to the hospital and like, let's say, I don't know,

507
00:24:53,960 --> 00:24:57,159
Speaker 3: you've got like you you're having seizures, and the reason

508
00:24:57,280 --> 00:24:58,760
Speaker 3: you know, they need to They need to find the

509
00:24:58,840 --> 00:25:01,080
Speaker 3: underlying cause. They're not going to like not treat you

510
00:25:01,119 --> 00:25:04,040
Speaker 3: for what you're going and presenting with today. They need

511
00:25:04,080 --> 00:25:05,920
Speaker 3: to find their root cause. But you need to help

512
00:25:05,960 --> 00:25:07,960
Speaker 3: people for what is going on now. And yes, there's

513
00:25:07,960 --> 00:25:10,800
Speaker 3: a larger conversation to be had about, you know what,

514
00:25:10,880 --> 00:25:12,879
Speaker 3: maybe you know all the issues that are going on

515
00:25:12,920 --> 00:25:15,080
Speaker 3: and why people are being hurt so badly by what's

516
00:25:15,400 --> 00:25:18,439
Speaker 3: happening in our country right now. But let's just help people,

517
00:25:18,680 --> 00:25:21,520
Speaker 3: you know, Let's not let's not have this glare of

518
00:25:22,400 --> 00:25:27,399
Speaker 3: superiority and condescension when people genuinely need help. That to

519
00:25:27,440 --> 00:25:30,000
Speaker 3: me is heartless, even though he says, you know, one

520
00:25:30,040 --> 00:25:32,879
Speaker 3: breath later, how he does care about people and wants

521
00:25:32,920 --> 00:25:35,240
Speaker 3: to lift them up. But do you really like, where's

522
00:25:35,280 --> 00:25:36,520
Speaker 3: the where's the empathy here?

523
00:25:36,560 --> 00:25:39,159
Speaker 2: People don't People who care about people don't talk like that.

524
00:25:39,320 --> 00:25:41,800
Speaker 2: People who who have taken advantage.

525
00:25:41,359 --> 00:25:43,360
Speaker 1: Of the system and use the federal government to get

526
00:25:43,400 --> 00:25:46,280
Speaker 1: their own debts wiped away don't look down at their

527
00:25:46,320 --> 00:25:49,520
Speaker 1: nose are other people and pretend they care. They cares

528
00:25:49,520 --> 00:25:52,040
Speaker 1: about his bank account, and he cares about you as

529
00:25:52,119 --> 00:25:54,479
Speaker 1: long as it continues to feed his bank account and

530
00:25:54,960 --> 00:25:59,440
Speaker 1: so I, yeah, that's not care doctor Green, my coach

531
00:25:59,480 --> 00:26:02,320
Speaker 1: said it beat she said, because I told her I

532
00:26:02,400 --> 00:26:04,080
Speaker 1: was worried about sharing that, like, oh, I want my

533
00:26:04,119 --> 00:26:06,160
Speaker 1: book to be a bestseller, you know, get good with money.

534
00:26:06,160 --> 00:26:07,240
Speaker 1: I'm like, oh, I want my book to be a

535
00:26:07,240 --> 00:26:09,399
Speaker 1: best seller. And she and I was worried that that

536
00:26:09,560 --> 00:26:12,399
Speaker 1: was arrogance, and she said, no, Tiffany, that's not arrogant.

537
00:26:12,800 --> 00:26:15,400
Speaker 1: It's okay to say I'd like to have a bestseller

538
00:26:15,800 --> 00:26:18,080
Speaker 1: plug get Goods money dot com, go ahead and pre order.

539
00:26:18,400 --> 00:26:21,880
Speaker 1: But she was like that arrogance is when you use

540
00:26:21,920 --> 00:26:26,040
Speaker 1: your bigness to make other people feel small. What you're here,

541
00:26:26,119 --> 00:26:28,639
Speaker 1: what you heard in that clip with him using his

542
00:26:28,760 --> 00:26:31,760
Speaker 1: bigness to make you feel small because it makes him

543
00:26:31,760 --> 00:26:35,880
Speaker 1: feel bigger. It's arrogance and it has no place in service,

544
00:26:36,280 --> 00:26:40,440
Speaker 1: in teaching, in financial education. It's arrogance, and it's nasty,

545
00:26:40,960 --> 00:26:44,520
Speaker 1: and it's not unexpected because it's the same man who

546
00:26:44,880 --> 00:26:48,920
Speaker 1: literally had a Christmas party and told waiters don't wear

547
00:26:48,960 --> 00:26:50,800
Speaker 1: a mask because God forbid, you should have a grammar

548
00:26:50,840 --> 00:26:51,200
Speaker 1: at home.

549
00:26:51,440 --> 00:26:53,879
Speaker 2: You know, forget about her. That's arrogance.

550
00:26:54,280 --> 00:26:56,520
Speaker 1: This is the same person who's like you know there

551
00:26:56,600 --> 00:27:00,320
Speaker 1: is no or doesn't really believe in Corona. Although because

552
00:27:00,800 --> 00:27:03,120
Speaker 1: I just don't understand how the whole world has said.

553
00:27:03,119 --> 00:27:06,400
Speaker 1: You know what, let's all pretend that there's this disease

554
00:27:07,119 --> 00:27:10,760
Speaker 1: that's like killing people. Okay, China you first, Okay, YouTube, Jamaica,

555
00:27:10,880 --> 00:27:11,840
Speaker 1: come on, Costa Rica.

556
00:27:11,840 --> 00:27:12,800
Speaker 2: You don't want to play the game.

557
00:27:13,200 --> 00:27:18,159
Speaker 1: The whole world like yo, it's arrogance and the only

558
00:27:18,240 --> 00:27:20,960
Speaker 1: way to come back arrogance is to ignore. And typically

559
00:27:20,960 --> 00:27:22,479
Speaker 1: I don't give them this much, and you never hear

560
00:27:22,520 --> 00:27:24,600
Speaker 1: me talk about dr but I just felt like it

561
00:27:24,640 --> 00:27:26,640
Speaker 1: had to be said. So hopefully you could tell your

562
00:27:26,640 --> 00:27:28,600
Speaker 1: grandma and them stop having this person in your church.

563
00:27:29,480 --> 00:27:31,040
Speaker 3: And that's on that and that's on.

564
00:27:31,160 --> 00:27:36,919
Speaker 1: Mary had a little lay. This is so that is

565
00:27:36,960 --> 00:27:39,280
Speaker 1: what it is to be black, right, Randy? That like

566
00:27:39,400 --> 00:27:41,680
Speaker 1: it could be something it's going down, but we don't

567
00:27:41,680 --> 00:27:42,560
Speaker 1: find a reason to laugh.

568
00:27:42,600 --> 00:27:48,120
Speaker 3: Now, Listen, Humor is the key to resilience. Okay, how

569
00:27:48,119 --> 00:27:50,320
Speaker 3: can you get through life without it? All right, well,

570
00:27:50,400 --> 00:27:52,160
Speaker 3: let's take a quick break and we will be back

571
00:27:52,240 --> 00:28:28,000
Speaker 3: with y'all's questions. All right, y'all, we are back with

572
00:28:28,040 --> 00:28:30,800
Speaker 3: your questions, and please please please send us your questions

573
00:28:30,840 --> 00:28:33,000
Speaker 3: You can hit us up at Brown Ambition Podcast at

574
00:28:33,040 --> 00:28:36,240
Speaker 3: gmail dot com, or you can find us on Insta.

575
00:28:36,359 --> 00:28:39,280
Speaker 3: We are at Brown Ambition Podcast. Please follow us and

576
00:28:39,320 --> 00:28:42,120
Speaker 3: you can slide into our dms with questions. Of course,

577
00:28:42,120 --> 00:28:45,040
Speaker 3: you can remain anonymous, although there's no shame in any

578
00:28:45,080 --> 00:28:53,280
Speaker 3: of these questions, and ask us anything you know, financials, investing, saving, career, relationship,

579
00:28:54,120 --> 00:28:56,520
Speaker 3: anything you want to know. We're here to help you.

580
00:28:56,800 --> 00:28:59,280
Speaker 3: Just remember we are not Tiffany what's our spiel. We

581
00:28:59,320 --> 00:29:02,840
Speaker 3: are not financial advisors. We're not your financial advisors. We

582
00:29:02,880 --> 00:29:06,160
Speaker 3: are your you know, your financial friends, Okay, And we'll

583
00:29:06,160 --> 00:29:08,000
Speaker 3: tell you what we feel and what we have you know,

584
00:29:08,040 --> 00:29:10,080
Speaker 3: what we think based on our own advice and experience,

585
00:29:10,080 --> 00:29:11,720
Speaker 3: but at the end of the day, always consult a

586
00:29:11,760 --> 00:29:16,080
Speaker 3: professional for any real advice applicable to your you know, circumstances.

587
00:29:16,120 --> 00:29:20,600
Speaker 3: AKA so your cousin that is, yeah, to the guy

588
00:29:20,600 --> 00:29:22,440
Speaker 3: at the barbecue who's like you should get on those stock.

589
00:29:23,880 --> 00:29:26,440
Speaker 3: All right, let's kick things off, all right, y'all. Our

590
00:29:26,480 --> 00:29:28,760
Speaker 3: first question comes from Jane. So she has a question.

591
00:29:28,840 --> 00:29:31,400
Speaker 3: She wants to start her own business and she's wondering,

592
00:29:31,480 --> 00:29:34,560
Speaker 3: you know, should I, how should I financially prepare. So

593
00:29:34,640 --> 00:29:37,200
Speaker 3: let's get into Jane's question first. I'm going to start

594
00:29:37,240 --> 00:29:39,520
Speaker 3: with the second half of her question because it gives

595
00:29:39,600 --> 00:29:42,920
Speaker 3: some helpful context I think we should consider. So, Jane says,

596
00:29:42,960 --> 00:29:45,520
Speaker 3: I'm a single mother, forty years old with two children.

597
00:29:45,960 --> 00:29:48,320
Speaker 3: I have a mortgage, student loans, and a car loan.

598
00:29:48,400 --> 00:29:51,080
Speaker 3: I've saved a little over eight months of my noodle

599
00:29:51,080 --> 00:29:54,280
Speaker 3: budget in a high interest savings account, which I call

600
00:29:54,360 --> 00:29:57,240
Speaker 3: my emergency fund, and I have almost three hundred thousand

601
00:29:57,240 --> 00:30:00,800
Speaker 3: dollars in retirement. I don't want to deplete my emergency

602
00:30:00,880 --> 00:30:03,400
Speaker 3: savings in order to bridge the gap, but I'm not

603
00:30:03,440 --> 00:30:06,480
Speaker 3: really sure what else I could conceivably do given the

604
00:30:06,560 --> 00:30:10,160
Speaker 3: time horizon. All right, So backing up now, Jane is

605
00:30:10,160 --> 00:30:12,640
Speaker 3: about to quit her job and go into entrepreneurship. She

606
00:30:12,680 --> 00:30:14,760
Speaker 3: says she wants to do this in a year and

607
00:30:14,760 --> 00:30:17,880
Speaker 3: start her own business, but she's scared to death. She

608
00:30:17,920 --> 00:30:20,440
Speaker 3: wants to know one, doesn't make sense for me to

609
00:30:20,520 --> 00:30:24,239
Speaker 3: reduce my current four oh one K contribution, which is

610
00:30:24,240 --> 00:30:27,680
Speaker 3: currently set at fifteen percent per paycheck, to set aside

611
00:30:27,680 --> 00:30:30,600
Speaker 3: more money to help close that gap and income or

612
00:30:31,040 --> 00:30:34,480
Speaker 3: are there any other options we can recommend to increase

613
00:30:34,520 --> 00:30:37,160
Speaker 3: her savings or other actions she should be taking in

614
00:30:37,240 --> 00:30:43,560
Speaker 3: consideration of her what she calls appending leap into entrepreneurship. Ps.

615
00:30:43,600 --> 00:30:45,080
Speaker 3: I do not carry consumer.

616
00:30:44,800 --> 00:30:47,040
Speaker 2: Debt, Jane.

617
00:30:47,440 --> 00:30:49,920
Speaker 1: So first of all, girl, you out here slaying these

618
00:30:49,960 --> 00:30:50,719
Speaker 1: financial streets.

619
00:30:50,760 --> 00:30:52,120
Speaker 2: Can we give her a rind of applause?

620
00:30:53,480 --> 00:30:56,840
Speaker 3: Single mom, forty three hundred k in the bank, some

621
00:30:57,040 --> 00:30:59,600
Speaker 3: debt mortgage due to loans car loan, but no credit

622
00:30:59,640 --> 00:31:00,160
Speaker 3: card debt.

623
00:31:00,080 --> 00:31:01,840
Speaker 2: Girl, and eight months worth of savings.

624
00:31:01,920 --> 00:31:04,240
Speaker 1: So just I want you to just take a deep

625
00:31:04,240 --> 00:31:06,360
Speaker 1: breath in and say, I'm doing a damn thing.

626
00:31:06,640 --> 00:31:07,000
Speaker 2: Okay.

627
00:31:08,320 --> 00:31:11,120
Speaker 1: But then I asked, Jane, because I just you don't

628
00:31:11,160 --> 00:31:14,160
Speaker 1: wanted to know, do you have to quit your job?

629
00:31:14,360 --> 00:31:18,040
Speaker 1: I don't know what the pending you know, business is,

630
00:31:18,600 --> 00:31:20,400
Speaker 1: but I think people think that sometimes you have to

631
00:31:20,440 --> 00:31:23,600
Speaker 1: be like a pure entrepreneur, and that's not necessarily so

632
00:31:23,760 --> 00:31:26,720
Speaker 1: Like I before I started the Budjeaneste, I mean, I

633
00:31:26,760 --> 00:31:29,280
Speaker 1: was pushed out because my school closed. But I was

634
00:31:29,360 --> 00:31:31,800
Speaker 1: doing budgetista stuff for about a year and a half

635
00:31:31,840 --> 00:31:34,640
Speaker 1: maybe two years, kind of really light while I was

636
00:31:34,680 --> 00:31:37,080
Speaker 1: still teaching, And I would do it in the morning,

637
00:31:37,160 --> 00:31:38,479
Speaker 1: I would do it at night. I would during during

638
00:31:38,560 --> 00:31:41,040
Speaker 1: nap time when the kids slept. Do you have to

639
00:31:41,120 --> 00:31:45,320
Speaker 1: make this like hardcore leap. That's my concern because it

640
00:31:45,360 --> 00:31:47,320
Speaker 1: can take a number of years it did for me

641
00:31:47,680 --> 00:31:50,840
Speaker 1: before you see a positive return on your investment.

642
00:31:50,840 --> 00:31:51,880
Speaker 2: And you have two children.

643
00:31:52,720 --> 00:31:55,000
Speaker 1: So that is my question, Like, is there a reason

644
00:31:55,080 --> 00:31:59,280
Speaker 1: why you can't say, I am going to you know,

645
00:32:00,080 --> 00:32:02,600
Speaker 1: stay at this job and start my new job or

646
00:32:02,640 --> 00:32:04,760
Speaker 1: my new business as a side hustle until it makes

647
00:32:04,840 --> 00:32:07,000
Speaker 1: enough for me to leave my main hustle at least

648
00:32:07,080 --> 00:32:08,960
Speaker 1: until it's making enough of what your noodle budget is.

649
00:32:09,000 --> 00:32:11,880
Speaker 1: And maybe we can explain with noodle budget, that's just when,

650
00:32:12,000 --> 00:32:14,240
Speaker 1: like you're if you had to eat ramen noodle's budget,

651
00:32:14,280 --> 00:32:17,960
Speaker 1: Like what's the what's the least expensive amount of money

652
00:32:18,000 --> 00:32:19,920
Speaker 1: you can live off of and still maintain health and

653
00:32:19,920 --> 00:32:22,480
Speaker 1: safety and your basic you know, your basic life needs.

654
00:32:23,080 --> 00:32:26,600
Speaker 1: So that's that Or Jane, if you are going to

655
00:32:26,640 --> 00:32:31,640
Speaker 1: make the leap, I would have some side hustles lined

656
00:32:31,720 --> 00:32:35,200
Speaker 1: up to make ends meet. Meaning so I didn't make

657
00:32:35,240 --> 00:32:38,320
Speaker 1: the leap from when I left teaching, you know, my

658
00:32:38,400 --> 00:32:44,240
Speaker 1: school closed, but I had babysitting jobs, tutoring jobs while I.

659
00:32:44,280 --> 00:32:45,320
Speaker 2: Was building budget Nista.

660
00:32:45,400 --> 00:32:47,960
Speaker 1: Because Budgetista did not make any money for the first

661
00:32:47,960 --> 00:32:52,680
Speaker 1: honestly almost three years. But I supplemented with unemployment and

662
00:32:53,000 --> 00:32:56,320
Speaker 1: tutoring and babysitting like crazy. So if you are going

663
00:32:56,400 --> 00:32:58,400
Speaker 1: to leave your job, do you have kind of like

664
00:32:58,600 --> 00:33:01,800
Speaker 1: side jobs you can do to make ends meet, because

665
00:33:02,160 --> 00:33:05,280
Speaker 1: you cannot unless your business is already making money.

666
00:33:05,320 --> 00:33:06,320
Speaker 2: Now, there's no way to know.

667
00:33:06,920 --> 00:33:08,320
Speaker 1: I didn't know how long it was going to take

668
00:33:08,320 --> 00:33:10,920
Speaker 1: for budget. He said to be in the black or

669
00:33:10,960 --> 00:33:13,080
Speaker 1: at least in a black enough for me to be

670
00:33:13,080 --> 00:33:15,680
Speaker 1: able to sustain myself. So that's just my only, not

671
00:33:15,680 --> 00:33:17,680
Speaker 1: my only, but those are some of my concerns, and

672
00:33:18,160 --> 00:33:21,280
Speaker 1: my suggestions is to have some side hustle jobs lined up.

673
00:33:21,320 --> 00:33:23,720
Speaker 1: So if you need the space and time to start

674
00:33:23,760 --> 00:33:26,920
Speaker 1: your business, you already know what your noodle budget is. Great,

675
00:33:27,200 --> 00:33:30,200
Speaker 1: maybe potentially stay at your job longer and don't leave

676
00:33:30,320 --> 00:33:33,000
Speaker 1: until your new business makes enough for you to.

677
00:33:33,000 --> 00:33:34,440
Speaker 2: At least cover your noodle budget.

678
00:33:34,880 --> 00:33:38,920
Speaker 1: Reducing fifteen percent is really great and aggressive toward retirement.

679
00:33:39,160 --> 00:33:40,720
Speaker 2: I wouldn't be mad if you said, you know what,

680
00:33:41,240 --> 00:33:41,720
Speaker 2: I'm going.

681
00:33:41,680 --> 00:33:43,560
Speaker 1: To bring it down to ten percent and use that

682
00:33:43,640 --> 00:33:45,600
Speaker 1: extra five toward the business. I wouldn't be mad at

683
00:33:45,600 --> 00:33:48,680
Speaker 1: that because to me, starting a business is also an investment,

684
00:33:48,840 --> 00:33:51,520
Speaker 1: but you would still be saving a good amount or

685
00:33:51,560 --> 00:33:53,800
Speaker 1: investing a good amount toward retirement. I'm not mad at

686
00:33:53,800 --> 00:33:54,440
Speaker 1: that either.

687
00:33:54,640 --> 00:33:57,040
Speaker 3: Yeah, I think And the fact that she hasn't said

688
00:33:57,160 --> 00:33:59,600
Speaker 3: I mean, she's got three hundred k save for retirement.

689
00:34:00,040 --> 00:34:01,840
Speaker 3: As long as you're not touching that, you're still letting

690
00:34:01,880 --> 00:34:04,520
Speaker 3: that money sit there and grow. I mean, I do

691
00:34:04,560 --> 00:34:07,480
Speaker 3: feel like sometimes entrepreneurs, you'll hear them say they drain

692
00:34:07,560 --> 00:34:08,239
Speaker 3: their four one K.

693
00:34:08,760 --> 00:34:09,440
Speaker 2: I did doubtor that.

694
00:34:10,080 --> 00:34:12,919
Speaker 3: Yeah, you don't want to do that, Jane, So I think.

695
00:34:12,960 --> 00:34:15,680
Speaker 3: I mean, that's a really comfortable amount of money to

696
00:34:15,719 --> 00:34:17,960
Speaker 3: have saved by your fight just forty years old. So

697
00:34:18,040 --> 00:34:19,799
Speaker 3: I mean that's commendable. And I see how you did it,

698
00:34:19,840 --> 00:34:23,640
Speaker 3: saving fifteen percent so aggressively. I personally have done that.

699
00:34:23,800 --> 00:34:27,919
Speaker 3: I have scaled back my retirement contributions when we were

700
00:34:28,080 --> 00:34:29,840
Speaker 3: renovating the home and we wanted to pay out of

701
00:34:29,880 --> 00:34:32,360
Speaker 3: pocket versus take on debt. So and I you know,

702
00:34:32,560 --> 00:34:34,279
Speaker 3: they make it really easy to go in there, and

703
00:34:34,360 --> 00:34:36,840
Speaker 3: at least the retirement plans I've used, Yeah, make it

704
00:34:36,880 --> 00:34:38,960
Speaker 3: easy to kind of like go from fifteen to twelve

705
00:34:39,040 --> 00:34:41,520
Speaker 3: or eleven or whatever, just to give yourself a little

706
00:34:41,520 --> 00:34:44,080
Speaker 3: bit more cash flow. I think that's perfectly fine. I

707
00:34:44,120 --> 00:34:45,640
Speaker 3: don't know that you're ever going to hit like the

708
00:34:45,719 --> 00:34:48,120
Speaker 3: right number in terms of your savings to where you

709
00:34:48,160 --> 00:34:51,279
Speaker 3: feel like, okay, and today is the day I have

710
00:34:51,560 --> 00:34:54,080
Speaker 3: just enough to like quit my job and to start

711
00:34:54,080 --> 00:34:57,000
Speaker 3: this life as an entrepreneur. I agree with Tiffany. I

712
00:34:57,000 --> 00:34:59,680
Speaker 3: think there's a side hustle that you're talking about. You know,

713
00:34:59,760 --> 00:35:01,759
Speaker 3: do you? I think that there's a side hustle I

714
00:35:01,800 --> 00:35:04,279
Speaker 3: could have. I kind of feel like you're starting your

715
00:35:04,280 --> 00:35:07,040
Speaker 3: business as that side hustle, and you should be doing

716
00:35:07,040 --> 00:35:10,080
Speaker 3: that while you have the you know, the relative safety

717
00:35:10,400 --> 00:35:12,560
Speaker 3: and security of that full time job, you know, for

718
00:35:12,600 --> 00:35:15,160
Speaker 3: your benefits and for the for the income that you

719
00:35:15,239 --> 00:35:17,320
Speaker 3: have coming in. But you know, you can be working

720
00:35:17,360 --> 00:35:21,000
Speaker 3: toward that goal. But maybe don't be so strict about Okay,

721
00:35:21,120 --> 00:35:23,279
Speaker 3: I'm going to hit this amount of money and then

722
00:35:23,360 --> 00:35:25,040
Speaker 3: quit my job and I sort of have to have

723
00:35:25,480 --> 00:35:27,759
Speaker 3: I'm just gonna like leave and my money is the

724
00:35:27,840 --> 00:35:29,960
Speaker 3: only you know, security and safety and that I'm going

725
00:35:30,000 --> 00:35:34,160
Speaker 3: to have for a while. But yeah, I think that

726
00:35:34,239 --> 00:35:37,319
Speaker 3: you're in really good shape. I don't see anything wrong

727
00:35:37,320 --> 00:35:39,759
Speaker 3: with cutting back on the retirement yeah, just.

728
00:35:39,719 --> 00:35:42,440
Speaker 1: A mede and go for I mean, I know literally

729
00:35:42,480 --> 00:35:46,399
Speaker 1: a single mother right now who has two kids and

730
00:35:47,200 --> 00:35:52,719
Speaker 1: she is during uh during I was gonna say, panteing

731
00:35:53,840 --> 00:36:00,919
Speaker 1: during Panda rosa aka pandemic. She started a business. It's

732
00:36:00,960 --> 00:36:03,720
Speaker 1: looking like the businesses she's starting. If all goes well,

733
00:36:04,440 --> 00:36:06,960
Speaker 1: it'll probably makes six figures its first year. Now that's

734
00:36:07,000 --> 00:36:10,279
Speaker 1: not common, but it's possible. You would have to know

735
00:36:10,320 --> 00:36:13,680
Speaker 1: best based upon the business that you're going into. It

736
00:36:13,760 --> 00:36:16,560
Speaker 1: is possible to be in the black right away, but

737
00:36:16,640 --> 00:36:18,600
Speaker 1: most businesses are not, so you want to give yourself

738
00:36:18,640 --> 00:36:21,839
Speaker 1: space and time to not be. There's just so much

739
00:36:21,840 --> 00:36:24,160
Speaker 1: that goes into starting a business. I mean, don't get

740
00:36:24,160 --> 00:36:26,000
Speaker 1: me wrong, I would never choose anything else. I mean,

741
00:36:26,000 --> 00:36:28,799
Speaker 1: I'm so glad that I did it, but there is

742
00:36:29,120 --> 00:36:32,719
Speaker 1: a lot in the financials in the beginning. It's very

743
00:36:32,760 --> 00:36:36,200
Speaker 1: touch and go for most people. So being mindful of that.

744
00:36:36,280 --> 00:36:38,440
Speaker 1: So I just but I wish you well though, because

745
00:36:38,480 --> 00:36:41,920
Speaker 1: if the awesome part about having a business is that

746
00:36:41,960 --> 00:36:45,080
Speaker 1: you're earning possent, there is no cap to your earning potential,

747
00:36:45,800 --> 00:36:49,480
Speaker 1: like I could reasonably one day take home eight figures.

748
00:36:49,520 --> 00:36:51,759
Speaker 1: I mean, my business makes eight figures, but I'm talking

749
00:36:51,760 --> 00:36:56,840
Speaker 1: about take home Tiffany making eight figures. It's possible because

750
00:36:56,880 --> 00:36:58,520
Speaker 1: when you have a business, that's possible. I might sell

751
00:36:58,560 --> 00:37:01,480
Speaker 1: my company and somebody buyser for fifty million dollars and

752
00:37:01,520 --> 00:37:02,760
Speaker 1: my take home is ten million.

753
00:37:02,800 --> 00:37:05,320
Speaker 2: That's very, very, very possible. So that is one of

754
00:37:05,400 --> 00:37:06,080
Speaker 2: the benefits.

755
00:37:06,120 --> 00:37:11,400
Speaker 1: And although people think it's more freedom, it is, but isn't.

756
00:37:11,760 --> 00:37:15,840
Speaker 2: It's a lot more work. I work just about not.

757
00:37:16,200 --> 00:37:17,839
Speaker 1: I used to work seven days a week up until

758
00:37:17,840 --> 00:37:20,800
Speaker 1: maybe like a year ago. So now you know, I

759
00:37:21,200 --> 00:37:25,880
Speaker 1: do take my weekend semi off, but I work a lot.

760
00:37:26,520 --> 00:37:28,480
Speaker 1: But at least it's work that I've chosen.

761
00:37:28,840 --> 00:37:29,000
Speaker 3: You know.

762
00:37:29,000 --> 00:37:30,440
Speaker 2: I get to look and say, I don't want to

763
00:37:30,480 --> 00:37:30,719
Speaker 2: do that.

764
00:37:30,800 --> 00:37:32,520
Speaker 1: I do want to do this, so I know I

765
00:37:32,520 --> 00:37:35,640
Speaker 1: don't want to glamorize like entrepreneurship is hard.

766
00:37:36,120 --> 00:37:37,920
Speaker 2: It's hell. Every other week.

767
00:37:37,800 --> 00:37:40,279
Speaker 1: I'm like, so, you know what, Circle time seems real

768
00:37:40,360 --> 00:37:45,560
Speaker 1: cute right about now, ABCD because it's hard.

769
00:37:46,360 --> 00:37:49,319
Speaker 2: Oh my god, it's hard, really really really hard, and

770
00:37:49,360 --> 00:37:51,920
Speaker 2: it's a lot of work. And I'm not gonna lie.

771
00:37:51,920 --> 00:37:54,719
Speaker 1: You have two kids, it's gonna be a lot of

772
00:37:54,719 --> 00:37:56,719
Speaker 1: time away from them, even if you're in the same house.

773
00:37:56,719 --> 00:37:58,319
Speaker 1: With them because you're going to be putting so much

774
00:37:58,360 --> 00:38:00,839
Speaker 1: work into the business, so just to prepare you for that,

775
00:38:00,880 --> 00:38:02,880
Speaker 1: and that's okay, But I just want you to just

776
00:38:03,080 --> 00:38:05,440
Speaker 1: know that I think people think that you know, be

777
00:38:05,520 --> 00:38:07,920
Speaker 1: an entrepreneur, like because you see those I'm sure you've

778
00:38:07,920 --> 00:38:10,279
Speaker 1: seen No Mandy like those ads where it's like, do

779
00:38:10,320 --> 00:38:12,800
Speaker 1: you want to be making money while on a private island?

780
00:38:13,360 --> 00:38:14,120
Speaker 2: Yeah, that's bs.

781
00:38:14,840 --> 00:38:17,440
Speaker 3: I think I've sufficiently blocked those from Instagram. I'm like,

782
00:38:17,440 --> 00:38:18,719
Speaker 3: don't ever should this again?

783
00:38:19,320 --> 00:38:21,719
Speaker 1: Yes, that's why you never see me like as a

784
00:38:21,719 --> 00:38:24,040
Speaker 1: budget these days, you see. I never say I'm going

785
00:38:24,120 --> 00:38:27,000
Speaker 1: to teach you how to be a millionaire, because I'm

786
00:38:27,000 --> 00:38:29,840
Speaker 1: not saying it's not possible for you to become a millionaire,

787
00:38:30,160 --> 00:38:32,360
Speaker 1: but the average person is likely not going to. But

788
00:38:32,400 --> 00:38:34,880
Speaker 1: what I can one hundred percent teach you is how

789
00:38:34,920 --> 00:38:38,120
Speaker 1: to have the financial fundamentals. I could teach you how

790
00:38:38,160 --> 00:38:41,600
Speaker 1: to budget and save and those things because the millionaire aspect,

791
00:38:41,680 --> 00:38:44,160
Speaker 1: one you might not need that much in order to

792
00:38:44,160 --> 00:38:47,319
Speaker 1: live the life that you so desire, and two you

793
00:38:47,400 --> 00:38:50,879
Speaker 1: might decide, like, for example, for myself, I've been really

794
00:38:50,920 --> 00:38:53,320
Speaker 1: evaluating that now that I've gotten to a certain place

795
00:38:53,880 --> 00:38:55,759
Speaker 1: I want to switch from media, I was saying. I

796
00:38:55,760 --> 00:38:58,160
Speaker 1: tweeted the other day, like I want to switch from

797
00:38:58,280 --> 00:39:02,279
Speaker 1: two thousand, two thousand to twenty twenty jay Z within

798
00:39:02,320 --> 00:39:03,200
Speaker 1: the next five years.

799
00:39:03,280 --> 00:39:05,080
Speaker 2: So two thousand jay Z was like the top of

800
00:39:05,080 --> 00:39:05,719
Speaker 2: the charts, like.

801
00:39:05,680 --> 00:39:08,560
Speaker 1: You know, hit song after hit song, and I remember

802
00:39:08,600 --> 00:39:10,759
Speaker 1: seeing an interview where he said, that's really stressful because

803
00:39:10,800 --> 00:39:12,640
Speaker 1: you always have to have the new hot ish, you know.

804
00:39:13,520 --> 00:39:16,680
Speaker 1: But twenty twenty jay Z, he's a lot more behind

805
00:39:16,760 --> 00:39:20,040
Speaker 1: the scenes. He doesn't have to perform, but he has

806
00:39:20,080 --> 00:39:23,319
Speaker 1: a lot more business interest and so that's that's the

807
00:39:23,360 --> 00:39:25,160
Speaker 1: move that I'm making within the next five years for

808
00:39:25,200 --> 00:39:29,000
Speaker 1: budget Neista is then you see less of Tiffany certainly

809
00:39:29,080 --> 00:39:32,640
Speaker 1: Budgetista a literature academy, you know, like Molly Moore get

810
00:39:32,680 --> 00:39:35,080
Speaker 1: it with money, all of my things, but less of

811
00:39:35,320 --> 00:39:38,520
Speaker 1: me as a personality and just me more so behind

812
00:39:38,520 --> 00:39:41,160
Speaker 1: the scenes, like making business happen because it's a lot

813
00:39:41,239 --> 00:39:43,319
Speaker 1: less pressure. I don't have to be the new hot

814
00:39:43,320 --> 00:39:46,160
Speaker 1: thing all the time. So just keeping that in mind too,

815
00:39:46,239 --> 00:39:49,239
Speaker 1: that it's a lot of pressure in the beginning. But

816
00:39:49,440 --> 00:39:51,600
Speaker 1: like I said, I would not literally never choose anything

817
00:39:51,600 --> 00:39:54,520
Speaker 1: else because it's afforded me the opportunity to do things

818
00:39:54,520 --> 00:39:57,600
Speaker 1: that I never would imagine, buying my house in cash,

819
00:39:57,600 --> 00:39:59,719
Speaker 1: paying off my parents' house in cash, paying off my

820
00:39:59,719 --> 00:40:02,560
Speaker 1: still a loan in cash, being able to support family

821
00:40:02,600 --> 00:40:05,000
Speaker 1: and friends when they were struggling. I mean support support

822
00:40:05,080 --> 00:40:07,480
Speaker 1: like I paid your rent for two year. Support, you know,

823
00:40:07,760 --> 00:40:10,360
Speaker 1: like being able to set aside for my nieces and

824
00:40:10,440 --> 00:40:12,600
Speaker 1: my nephew, making sure that college is on me, and

825
00:40:12,719 --> 00:40:13,759
Speaker 1: your first car it's on me.

826
00:40:13,880 --> 00:40:14,440
Speaker 2: We got it.

827
00:40:15,160 --> 00:40:18,359
Speaker 1: So you know, it's there's a lot of trade off,

828
00:40:18,440 --> 00:40:19,879
Speaker 1: but to me, it's worth it.

829
00:40:20,200 --> 00:40:21,879
Speaker 3: Remember that time he said you weren't ready to write

830
00:40:21,880 --> 00:40:23,239
Speaker 3: a book an entrepreneurs, I.

831
00:40:23,239 --> 00:40:26,520
Speaker 2: Said, I wasn't gonna do it, but we hear it.

832
00:40:26,600 --> 00:40:29,680
Speaker 1: Okay, But honestly, after get Going with Money, cha, I'm

833
00:40:29,680 --> 00:40:31,440
Speaker 1: not gonna lie. I gave my heart and soul to

834
00:40:31,480 --> 00:40:33,279
Speaker 1: that book. If y'all have not pre ordered it, don't

835
00:40:33,320 --> 00:40:35,600
Speaker 1: maybe strangle you. As hard as I work on Geko

836
00:40:35,680 --> 00:40:38,600
Speaker 1: with Money, gek Good with Money dot Com, you better

837
00:40:38,600 --> 00:40:39,240
Speaker 1: pre order.

838
00:40:39,040 --> 00:40:40,240
Speaker 2: It because I put so much effort.

839
00:40:40,280 --> 00:40:43,040
Speaker 1: Honestly, maybe one day we'll do an episode about like

840
00:40:43,080 --> 00:40:45,640
Speaker 1: what it is to like, you know, write a book, Mandy.

841
00:40:45,960 --> 00:40:47,600
Speaker 2: No one told me like.

842
00:40:47,560 --> 00:40:50,520
Speaker 1: It's one thing to write it. That part was hard, girl.

843
00:40:50,640 --> 00:40:53,480
Speaker 1: This marketing it and to kill me.

844
00:40:53,560 --> 00:40:56,080
Speaker 2: I was like, oh my god, it's so much worked. Though.

845
00:40:56,080 --> 00:40:58,960
Speaker 1: Even if you have like I'm under Penguin, you have

846
00:40:59,000 --> 00:41:03,000
Speaker 1: a major publisher, the level of work, it's literally like

847
00:41:03,120 --> 00:41:05,760
Speaker 1: I've got I've got like five full time jobs.

848
00:41:06,040 --> 00:41:09,800
Speaker 2: I'm the CEO of the Literature Academy. Okay. Then this book,

849
00:41:10,080 --> 00:41:12,040
Speaker 2: you know, the marketing, the marketing market for the next

850
00:41:12,080 --> 00:41:14,920
Speaker 2: month and a half. Okay. Then Molly Moore.

851
00:41:15,000 --> 00:41:16,560
Speaker 1: So I don't know if I told you, but my

852
00:41:16,560 --> 00:41:19,120
Speaker 1: my children's book, Molly Moore. I wrote a treatment for it,

853
00:41:19,120 --> 00:41:21,920
Speaker 1: and we have a couple of production companies that are

854
00:41:21,920 --> 00:41:26,880
Speaker 1: interested in turning into a children's show that you know, exciting.

855
00:41:26,440 --> 00:41:27,560
Speaker 2: But still work.

856
00:41:28,560 --> 00:41:28,799
Speaker 4: You know.

857
00:41:28,960 --> 00:41:31,200
Speaker 1: Then on top of all the behind the scenes, I

858
00:41:31,239 --> 00:41:33,319
Speaker 1: still got to get on and be like, hello, my

859
00:41:33,520 --> 00:41:36,880
Speaker 1: name is imagine this son, and here's five ways to

860
00:41:36,960 --> 00:41:41,239
Speaker 1: fix your credit. Carl, Like, there are days when I'm like,

861
00:41:41,239 --> 00:41:43,160
Speaker 1: I don't know if I'm coming or going, and so

862
00:41:43,640 --> 00:41:46,279
Speaker 1: it's it's it could be. I mean, thank god, I've

863
00:41:46,280 --> 00:41:50,040
Speaker 1: got the most patient husband, because I you know, it's

864
00:41:50,080 --> 00:41:53,120
Speaker 1: a lot, and so I'm looking to reduce the a

865
00:41:53,160 --> 00:41:58,040
Speaker 1: lotness of it all. And because I just that, you

866
00:41:58,040 --> 00:42:00,319
Speaker 1: won't see me write another book, like a major book

867
00:42:00,360 --> 00:42:02,000
Speaker 1: like this for a very long time. Although they've been

868
00:42:02,040 --> 00:42:03,640
Speaker 1: asking me, I'm like, Sis, if you don't get out

869
00:42:03,680 --> 00:42:05,560
Speaker 1: of my face, I'm not doing it. It's I mean,

870
00:42:05,680 --> 00:42:07,719
Speaker 1: I want to be married. You know, I'm still trying

871
00:42:07,760 --> 00:42:09,880
Speaker 1: to have this baby. You know, I got to have

872
00:42:09,920 --> 00:42:12,400
Speaker 1: to have soldier surgery like next week. It's something I

873
00:42:12,440 --> 00:42:14,200
Speaker 1: won't say it's light, but it's like the same day

874
00:42:14,560 --> 00:42:16,879
Speaker 1: surgery for like my shoulder that I pulled.

875
00:42:17,080 --> 00:42:18,080
Speaker 2: And like I got it.

876
00:42:18,120 --> 00:42:20,640
Speaker 1: I'm like, wait, okay, so I'll just see an end

877
00:42:20,640 --> 00:42:22,520
Speaker 1: of the day before I was like, no, after I'll

878
00:42:22,520 --> 00:42:25,719
Speaker 1: do you know, I'll do today's so after after can

879
00:42:25,760 --> 00:42:30,080
Speaker 1: you imagine? Like, no, Sis, it's entrepreneurship once you get

880
00:42:30,120 --> 00:42:31,640
Speaker 1: deep into it. It's not for the faint of heart,

881
00:42:31,800 --> 00:42:34,319
Speaker 1: like I hate when people make it seem it's super glamorous.

882
00:42:34,640 --> 00:42:34,839
Speaker 2: No.

883
00:42:35,160 --> 00:42:39,240
Speaker 1: Like I I'm tired half the time, and I definitely

884
00:42:39,320 --> 00:42:41,000
Speaker 1: work too much. I know that, but I honestly I

885
00:42:41,000 --> 00:42:43,480
Speaker 1: don't know how to not work too much because it's

886
00:42:43,480 --> 00:42:46,200
Speaker 1: got to get done. You know, there is no off

887
00:42:46,239 --> 00:42:48,120
Speaker 1: button if I don't make sure it's done.

888
00:42:48,280 --> 00:42:49,680
Speaker 2: And I have an amazing team.

889
00:42:49,719 --> 00:42:51,880
Speaker 1: When I say an amazing team, an amazing team, but

890
00:42:51,960 --> 00:42:55,359
Speaker 1: they still need to be led, you know. So like

891
00:42:55,600 --> 00:42:58,080
Speaker 1: at the end of the day, you know, I you know,

892
00:42:58,160 --> 00:43:00,920
Speaker 1: I put in. I put in the work that's required

893
00:43:00,960 --> 00:43:03,280
Speaker 1: for the level of success that I'm wanting. But lately

894
00:43:03,320 --> 00:43:05,560
Speaker 1: I've been asking myself, is this enough? And I'm like

895
00:43:05,600 --> 00:43:09,360
Speaker 1: almost basically like yeah, I mean, one hundred million sounds cute,

896
00:43:09,400 --> 00:43:10,360
Speaker 1: But I don't think I got.

897
00:43:10,200 --> 00:43:10,520
Speaker 3: That in me.

898
00:43:11,600 --> 00:43:12,759
Speaker 2: I don't think I got that in me.

899
00:43:13,320 --> 00:43:16,439
Speaker 1: I think, like, yo, between twenty and fifty million, I'm

900
00:43:16,480 --> 00:43:20,440
Speaker 1: good because I'm like, I want to actually have friends,

901
00:43:20,520 --> 00:43:22,160
Speaker 1: and I want to stay in love with my husband.

902
00:43:22,200 --> 00:43:25,160
Speaker 1: I want to have a baby, and so there's you know,

903
00:43:25,320 --> 00:43:27,239
Speaker 1: there's a lot that you give up when you when

904
00:43:27,280 --> 00:43:29,520
Speaker 1: you strike out on your own. It's not for everyone,

905
00:43:29,920 --> 00:43:32,480
Speaker 1: it's not and it's okay to have just a dope

906
00:43:32,560 --> 00:43:36,080
Speaker 1: job that you love. Honestly, I loved teaching preschool, and

907
00:43:36,120 --> 00:43:37,960
Speaker 1: I still would have retired on time if I taught

908
00:43:37,960 --> 00:43:40,760
Speaker 1: preschool because I was investing my money, I was saving,

909
00:43:40,800 --> 00:43:43,439
Speaker 1: I was living under my means. I had a condo. Then,

910
00:43:43,960 --> 00:43:47,319
Speaker 1: you know, like I loved teaching preschool. So don't feel

911
00:43:47,360 --> 00:43:50,000
Speaker 1: bad about, you know, not joining the entrepreneur rank because

912
00:43:50,440 --> 00:43:52,319
Speaker 1: a lot of parts of its sucky over here.

913
00:43:52,760 --> 00:43:55,319
Speaker 2: You know, there's a lot of benefits, but there's a

914
00:43:55,320 --> 00:43:56,080
Speaker 2: lot that sucks.

915
00:43:56,120 --> 00:44:00,160
Speaker 1: Like I definitely had less pressure when I taught pre school. Well,

916
00:44:00,200 --> 00:44:02,000
Speaker 1: I mean, like it was the babies, we got to

917
00:44:02,000 --> 00:44:05,839
Speaker 1: play at the park, seeing our ABC's eat snack and

918
00:44:05,880 --> 00:44:08,200
Speaker 1: I was done at three and you know, I got

919
00:44:08,200 --> 00:44:11,239
Speaker 1: my summers off. There's something to be said for having

920
00:44:11,280 --> 00:44:12,920
Speaker 1: a job that you like. So I'm definitely not here

921
00:44:13,000 --> 00:44:14,400
Speaker 1: to be like I'll be an entrepreneur.

922
00:44:14,440 --> 00:44:15,680
Speaker 2: I'm like, no, do.

923
00:44:15,680 --> 00:44:17,799
Speaker 1: What you think is right for you know that there's

924
00:44:17,840 --> 00:44:22,960
Speaker 1: benefits and there's there's benefits and detriments to to both sides.

925
00:44:23,000 --> 00:44:25,640
Speaker 3: But yeah, it's also levels. I mean, it's not like

926
00:44:25,760 --> 00:44:29,440
Speaker 3: it's either you know it's zero or you are like

927
00:44:29,480 --> 00:44:32,759
Speaker 3: at the budget needs to level of like multi businesses,

928
00:44:32,840 --> 00:44:35,560
Speaker 3: like an entrepreneur can mean so many different things. You know,

929
00:44:35,560 --> 00:44:39,280
Speaker 3: maybe it's starting your own bakery or starting your photography business.

930
00:44:39,480 --> 00:44:41,480
Speaker 3: I know a lot of great people who run their

931
00:44:41,480 --> 00:44:44,520
Speaker 3: shit and do their you know, do their small business

932
00:44:44,600 --> 00:44:47,400
Speaker 3: and they are you know, they have that balance that

933
00:44:47,440 --> 00:44:49,839
Speaker 3: they're looking for, and it gives them their freedom. I mean,

934
00:44:49,880 --> 00:44:52,200
Speaker 3: it's always the hustle, right, because you're always in charge

935
00:44:52,200 --> 00:44:56,399
Speaker 3: of your own destiny. But yeah, I think that transparency

936
00:44:56,480 --> 00:44:58,759
Speaker 3: is needed so that people can see. I mean I

937
00:44:59,760 --> 00:45:03,280
Speaker 3: have watched, you know, for so long you grow and build,

938
00:45:03,320 --> 00:45:05,600
Speaker 3: the budget needs to empire. I feel like I've had

939
00:45:06,440 --> 00:45:09,520
Speaker 3: a really good perspective of it's not been. It is

940
00:45:09,560 --> 00:45:11,640
Speaker 3: not sunshine and roses. But I think that just makes

941
00:45:11,680 --> 00:45:14,040
Speaker 3: it all the more impressive that you know you've built

942
00:45:14,040 --> 00:45:16,200
Speaker 3: what you've built and continued to build. Yeah, but what

943
00:45:16,320 --> 00:45:18,279
Speaker 3: is what what does Coach Green say about all this?

944
00:45:18,360 --> 00:45:20,399
Speaker 3: I kind of feel like this is a moment where

945
00:45:20,400 --> 00:45:23,239
Speaker 3: I'm like, maybe this is a coaching yes, Like.

946
00:45:23,360 --> 00:45:26,440
Speaker 1: No, honestly, well, she always asked me, like we'en not

947
00:45:27,160 --> 00:45:28,440
Speaker 1: for those of y' all who are just joining us.

948
00:45:28,440 --> 00:45:30,560
Speaker 1: Coach Green is my coach. She's a therapist, but she's

949
00:45:30,560 --> 00:45:32,719
Speaker 1: not my therapist, but she's a coach. She has a

950
00:45:32,760 --> 00:45:36,839
Speaker 1: coaching program, she's amazing as with cis the Locks, just

951
00:45:36,840 --> 00:45:40,879
Speaker 1: like mine. So she is always the reason why, quite

952
00:45:40,880 --> 00:45:45,240
Speaker 1: honestly and transparently, I hired Coach Green because I felt

953
00:45:45,239 --> 00:45:48,480
Speaker 1: out of touch with joy. I told her there was

954
00:45:48,520 --> 00:45:51,640
Speaker 1: a moment where I felt like I was at this

955
00:45:51,800 --> 00:45:55,439
Speaker 1: amazing restaurant and I know the ambiance was great.

956
00:45:55,480 --> 00:45:57,600
Speaker 2: I'm sure the food smells great, and it was like.

957
00:45:57,760 --> 00:46:01,000
Speaker 1: The five star food, and I could taste none of it,

958
00:46:01,080 --> 00:46:02,879
Speaker 1: I could hear none of it, I could smell none

959
00:46:02,920 --> 00:46:06,560
Speaker 1: of it. That I knew that my life was good,

960
00:46:07,040 --> 00:46:09,840
Speaker 1: but I couldn't feel that my life was good, and

961
00:46:09,880 --> 00:46:12,880
Speaker 1: it scared me. And it wasn't until I didn't even know.

962
00:46:13,000 --> 00:46:15,640
Speaker 1: It wasn't the joy part that scared me. It was

963
00:46:15,680 --> 00:46:19,120
Speaker 1: the fact that I also couldn't feel the sadness. Something

964
00:46:19,200 --> 00:46:22,360
Speaker 1: happened that was like genuinely sad and I was mentioning

965
00:46:22,360 --> 00:46:25,640
Speaker 1: it to a friend and she was like, wait what, Tiffany,

966
00:46:25,800 --> 00:46:29,799
Speaker 1: Like that's are you okay about it? And I was

967
00:46:29,840 --> 00:46:32,120
Speaker 1: like yeah, she's like you're talking about it like you're

968
00:46:32,200 --> 00:46:34,080
Speaker 1: just like, yeah, girl, they didn't have my cornflakes at

969
00:46:34,080 --> 00:46:37,200
Speaker 1: stop and shop, but you know there's always a shop, right,

970
00:46:37,719 --> 00:46:41,560
Speaker 1: And it was then that it clicked, like, Tiffany, you're

971
00:46:41,600 --> 00:46:45,239
Speaker 1: not feeling you know, like you're not feeling joy and

972
00:46:45,280 --> 00:46:48,360
Speaker 1: you're not feeling sadness. What happened it's almost like I

973
00:46:48,440 --> 00:46:50,840
Speaker 1: lost my tents of my sense of taste and smell

974
00:46:50,920 --> 00:46:53,200
Speaker 1: as related to my emotion. And if you know me,

975
00:46:53,520 --> 00:46:55,480
Speaker 1: I'm actually a pretty big cry baby. I'm somebody who

976
00:46:55,480 --> 00:46:58,080
Speaker 1: feels deeply. And then all of a sudden I stopped.

977
00:46:58,680 --> 00:47:01,600
Speaker 1: And so that's why I high doctor Green. I thought

978
00:47:01,600 --> 00:47:04,760
Speaker 1: I needed like I well, originally I hired Stephanie, my therapist,

979
00:47:04,880 --> 00:47:07,799
Speaker 1: the therapist coach that y'all done, like, uh and if

980
00:47:07,840 --> 00:47:08,240
Speaker 1: you need.

981
00:47:08,120 --> 00:47:11,320
Speaker 2: A therapist coach, not therapist coach, therapist finder? What was that?

982
00:47:11,440 --> 00:47:14,200
Speaker 1: Navvy psych? I can think it's like nav navsyke something

983
00:47:14,239 --> 00:47:17,400
Speaker 1: like that. Stephanie's amazing. So I met with her and

984
00:47:17,440 --> 00:47:19,360
Speaker 1: told her like, Okay, I think I need a therapist.

985
00:47:19,360 --> 00:47:20,880
Speaker 1: I have not had win a number of years. I

986
00:47:20,920 --> 00:47:24,520
Speaker 1: really need, you know, to help navigate and find a therapist.

987
00:47:24,520 --> 00:47:27,719
Speaker 1: It's navy psych nav I ps y h.

988
00:47:28,160 --> 00:47:29,680
Speaker 2: So Stephanie was.

989
00:47:29,640 --> 00:47:32,640
Speaker 1: The one who was like, honestly, Tiffany, from what I'm

990
00:47:32,680 --> 00:47:34,920
Speaker 1: hearing from you, you actually worked out of a lot

991
00:47:34,920 --> 00:47:38,520
Speaker 1: of your past issues. Because therapy typically is to help

992
00:47:38,560 --> 00:47:42,399
Speaker 1: you resolve your past things, and coaching is to help

993
00:47:42,440 --> 00:47:45,080
Speaker 1: you resolve your current and future things.

994
00:47:45,360 --> 00:47:46,799
Speaker 2: And she said it actually sounds like you might need

995
00:47:46,880 --> 00:47:47,439
Speaker 2: coaching more.

996
00:47:47,800 --> 00:47:49,480
Speaker 1: So she looks, she looked, she looked in and she

997
00:47:49,560 --> 00:47:52,080
Speaker 1: found doctor Green, who is a therapist, but she's based

998
00:47:52,120 --> 00:47:53,920
Speaker 1: in Georgia, so she actually can't be my therapist here

999
00:47:53,920 --> 00:47:56,160
Speaker 1: in Jersey, but she could be my coach. And she's

1000
00:47:56,200 --> 00:47:58,680
Speaker 1: been amazing and we've just been working on it. And

1001
00:47:58,719 --> 00:48:00,239
Speaker 1: I have to say, honestly, within the first it's been

1002
00:48:00,280 --> 00:48:02,759
Speaker 1: a couple of months, I had been feeling not one

1003
00:48:02,800 --> 00:48:05,080
Speaker 1: hundred percent, but I would say right now I'm a

1004
00:48:05,239 --> 00:48:11,120
Speaker 1: seventy five percent of regaining that joy and like really

1005
00:48:11,160 --> 00:48:14,239
Speaker 1: figuring out why is it that I was out of alignment.

1006
00:48:14,800 --> 00:48:17,800
Speaker 1: It was not because of the joy component, but because

1007
00:48:17,800 --> 00:48:20,520
Speaker 1: there was so much going on that I had there

1008
00:48:20,640 --> 00:48:24,920
Speaker 1: was a defense mechanism of like not wanting to feel

1009
00:48:25,160 --> 00:48:28,280
Speaker 1: the sadness, you know, So as a result of turning

1010
00:48:28,320 --> 00:48:30,719
Speaker 1: that off, when you turn that off, you also turn

1011
00:48:30,760 --> 00:48:33,480
Speaker 1: off your capacity to feel joy, you know, and not

1012
00:48:33,520 --> 00:48:35,000
Speaker 1: really honestly, not the sadness of work.

1013
00:48:35,040 --> 00:48:37,719
Speaker 2: Not the sadness I mean, because I've been struggling with

1014
00:48:38,200 --> 00:48:42,360
Speaker 2: how do you know, I've been struggling.

1015
00:48:41,880 --> 00:48:48,279
Speaker 5: With fortunity, and I'm really worried the might that never

1016
00:48:48,320 --> 00:48:52,480
Speaker 5: have a baby, So I have not wanted to feel this.

1017
00:48:55,680 --> 00:48:57,800
Speaker 2: Honestly, I have not even cried about it. I'm actually

1018
00:48:57,920 --> 00:48:58,920
Speaker 2: surprise I'm crying now.

1019
00:48:59,400 --> 00:49:01,480
Speaker 1: This is a test, submit to doctor Green that I'm

1020
00:49:01,520 --> 00:49:04,360
Speaker 1: actually able to cry about it because I have not

1021
00:49:04,440 --> 00:49:08,680
Speaker 1: allowed myself to because I don't want to feel it.

1022
00:49:09,400 --> 00:49:12,759
Speaker 1: And as a result, though I have not been as

1023
00:49:12,840 --> 00:49:16,319
Speaker 1: joyful because I have not wanted to be sad. So,

1024
00:49:18,480 --> 00:49:24,000
Speaker 1: you know, it's hard, honestly, because like I can honestly say.

1025
00:49:23,440 --> 00:49:24,760
Speaker 2: That I have a really good life.

1026
00:49:24,760 --> 00:49:27,440
Speaker 1: For like me and Superman and my husband, we have

1027
00:49:27,640 --> 00:49:30,560
Speaker 1: never been closer, like it's been really great. Like I

1028
00:49:30,560 --> 00:49:32,480
Speaker 1: didn't grow up with like the best relationship with my

1029
00:49:32,520 --> 00:49:34,080
Speaker 1: parents just because I was like I don't know, I

1030
00:49:34,080 --> 00:49:36,720
Speaker 1: wasn't like some wild kid, but I was quote unquote

1031
00:49:36,760 --> 00:49:38,680
Speaker 1: Nigerian wild. Like you know, I'm not getting the best

1032
00:49:38,680 --> 00:49:43,560
Speaker 1: grades and so but you know, but we have such

1033
00:49:43,560 --> 00:49:46,080
Speaker 1: a great relationship now, Like I've always had a good

1034
00:49:46,160 --> 00:49:49,279
Speaker 1: relationship with my sisters. It's only even Brett closer now

1035
00:49:49,320 --> 00:49:50,040
Speaker 1: than ever before.

1036
00:49:51,040 --> 00:49:54,239
Speaker 2: Like so I have to say that, like other than that,

1037
00:49:54,280 --> 00:49:55,359
Speaker 2: my life is really good.

1038
00:49:55,360 --> 00:49:59,200
Speaker 1: So sometimes I feel guilty about feeling said about that

1039
00:49:59,280 --> 00:50:01,440
Speaker 1: part you know the Denisa is doing well. I mean,

1040
00:50:01,520 --> 00:50:03,239
Speaker 1: is it a lot of work at the Buzzanisa. Yeah,

1041
00:50:03,280 --> 00:50:05,480
Speaker 1: But honestly, like, I've got an amazing team full of

1042
00:50:05,520 --> 00:50:09,440
Speaker 1: black and brown women mostly who just are so supportive.

1043
00:50:08,920 --> 00:50:11,239
Speaker 2: And loving and kind. I mean, I have a really

1044
00:50:11,280 --> 00:50:13,320
Speaker 2: good life. But there's that part.

1045
00:50:13,640 --> 00:50:15,480
Speaker 1: So I've not been wanted to feel bad because you

1046
00:50:15,480 --> 00:50:16,880
Speaker 1: will hear me like I mean, if you listen to

1047
00:50:16,880 --> 00:50:22,239
Speaker 1: a past like past podcast episodes, like when I'm talking

1048
00:50:22,280 --> 00:50:25,000
Speaker 1: about fertility and how matter of fact I've sound, it's

1049
00:50:25,040 --> 00:50:28,400
Speaker 1: because I wasn't allowing myself to feel the sadness and

1050
00:50:28,440 --> 00:50:31,279
Speaker 1: the disappointment. So as a result, I have not been

1051
00:50:31,280 --> 00:50:33,959
Speaker 1: able to feel the joy of what is already here,

1052
00:50:34,239 --> 00:50:37,880
Speaker 1: and so that's why I hired doctor green Is so

1053
00:50:38,560 --> 00:50:41,480
Speaker 1: I can feel again. But this part sucks because who

1054
00:50:41,560 --> 00:50:42,799
Speaker 1: the hell wants to feel sad?

1055
00:50:43,080 --> 00:50:44,120
Speaker 2: I don't, you know?

1056
00:50:45,719 --> 00:50:48,200
Speaker 1: So yeah, but I mean I'm grateful for it either way,

1057
00:50:48,320 --> 00:50:53,239
Speaker 1: because me actually crying now is good because it means

1058
00:50:53,239 --> 00:50:55,440
Speaker 1: that she's actually like I can honestly say, Mandy, I mean,

1059
00:50:56,120 --> 00:50:59,320
Speaker 1: I've had it's been almost three years. I've had probably

1060
00:50:59,320 --> 00:51:02,719
Speaker 1: like ten different surgeries, fibert surgery, scar move surgery like

1061
00:51:02,800 --> 00:51:06,879
Speaker 1: four different, I mean, and then I've had two miscarriages

1062
00:51:07,200 --> 00:51:09,440
Speaker 1: and like at least five or six transfers that and

1063
00:51:09,440 --> 00:51:11,160
Speaker 1: I have not worked transfers or when they put the

1064
00:51:11,160 --> 00:51:13,239
Speaker 1: baby inside you and hope that girls, it has not

1065
00:51:13,840 --> 00:51:17,120
Speaker 1: so like it's been a lot. And I can honestly say, Mandy,

1066
00:51:17,280 --> 00:51:20,040
Speaker 1: in the three years, I've not cried, you know. So

1067
00:51:20,280 --> 00:51:22,719
Speaker 1: the fact that I'm crying now means it's a testament

1068
00:51:22,920 --> 00:51:26,000
Speaker 1: to doctor Green's work because it means that like I'm

1069
00:51:26,040 --> 00:51:29,040
Speaker 1: allowing myself to feel again, which means that I can

1070
00:51:29,080 --> 00:51:30,680
Speaker 1: also feel joy again.

1071
00:51:30,800 --> 00:51:32,200
Speaker 2: But yeah, it's just.

1072
00:51:32,680 --> 00:51:34,960
Speaker 1: I know, excuse me. It's like happy, happy, go lucky tippy.

1073
00:51:35,000 --> 00:51:37,680
Speaker 1: And honestly, I am happy. But it's hard, you know,

1074
00:51:37,719 --> 00:51:39,799
Speaker 1: because I see like my because you feel like.

1075
00:51:39,840 --> 00:51:40,840
Speaker 2: Damn, what's wrong with me?

1076
00:51:41,960 --> 00:51:44,960
Speaker 1: You know, like my mom has five kids, and honestly,

1077
00:51:45,040 --> 00:51:47,520
Speaker 1: I just always just assumed they're like, well, girl, you know,

1078
00:51:48,320 --> 00:51:50,279
Speaker 1: like of course you're going to be able to have kids, but.

1079
00:51:50,560 --> 00:51:51,160
Speaker 2: I don't know.

1080
00:51:51,320 --> 00:51:53,839
Speaker 1: I mean, I'm forty one now, so it's not like, oh,

1081
00:51:53,880 --> 00:51:56,279
Speaker 1: well girl, yeah, like ten more years, I don't. I

1082
00:51:56,360 --> 00:52:01,160
Speaker 1: don't I have one good embryo left, and if this

1083
00:52:01,239 --> 00:52:01,719
Speaker 1: doesn't work.

1084
00:52:01,760 --> 00:52:02,200
Speaker 2: I don't know.

1085
00:52:02,719 --> 00:52:07,839
Speaker 3: So yeah, I'm having a hard time finding words to

1086
00:52:07,880 --> 00:52:11,719
Speaker 3: say because I love you so much. I think I'm

1087
00:52:11,760 --> 00:52:14,640
Speaker 3: just I'm proud, but I'm also you know, I think

1088
00:52:14,680 --> 00:52:17,640
Speaker 3: it's poignant to talk about the pain and the joy.

1089
00:52:17,760 --> 00:52:19,960
Speaker 3: And earlier we kind of joked about how we can

1090
00:52:19,960 --> 00:52:21,560
Speaker 3: always find it like we always have a sense of

1091
00:52:21,640 --> 00:52:24,759
Speaker 3: humor even when you know life is dragging you as

1092
00:52:24,760 --> 00:52:27,319
Speaker 3: a black woman in this country. But I feel like

1093
00:52:27,880 --> 00:52:31,520
Speaker 3: it's so true. Until you can allow yourself to know

1094
00:52:31,560 --> 00:52:34,279
Speaker 3: what pain is, and to understand what pain is, I mean,

1095
00:52:34,320 --> 00:52:36,719
Speaker 3: that opens you up to also understand what the joy

1096
00:52:36,800 --> 00:52:41,200
Speaker 3: is like. And I mean, obviously have some mu should

1097
00:52:41,200 --> 00:52:45,600
Speaker 3: be joyful and grateful about, but sitting with those feelings,

1098
00:52:45,640 --> 00:52:49,080
Speaker 3: those uncomfortable feelings, is a muscle that a lot of

1099
00:52:49,120 --> 00:52:51,719
Speaker 3: people don't know how to flex. And I do. I

1100
00:52:51,760 --> 00:52:53,600
Speaker 3: feel like a lot of a lot, a lot a

1101
00:52:53,640 --> 00:52:55,839
Speaker 3: lot of folks out there are in a moment where

1102
00:52:55,840 --> 00:52:59,440
Speaker 3: they're avoiding that feeling. They're avoiding the thoughts or avoiding

1103
00:52:59,480 --> 00:53:02,439
Speaker 3: the pain. And I think this pandemic honestly has has

1104
00:53:02,640 --> 00:53:05,080
Speaker 3: removed some of those mechanisms that we would use to

1105
00:53:05,800 --> 00:53:08,520
Speaker 3: you know, move on or stay, you know, be busy

1106
00:53:09,000 --> 00:53:12,120
Speaker 3: or avoid certain feelings and things like that. And I'm

1107
00:53:12,120 --> 00:53:14,280
Speaker 3: just really glad that it's led you in this direction

1108
00:53:14,400 --> 00:53:17,800
Speaker 3: to get the coaching that is being so like fulfilling

1109
00:53:17,840 --> 00:53:20,160
Speaker 3: in opening you up and I think letting you access

1110
00:53:20,200 --> 00:53:25,319
Speaker 3: a different level of just hopefully joy and well, thank

1111
00:53:25,320 --> 00:53:27,160
Speaker 3: you for sharing that. And I know you're not alone.

1112
00:53:27,280 --> 00:53:29,840
Speaker 3: You have to know you're not alone, and it doesn't

1113
00:53:29,840 --> 00:53:32,680
Speaker 3: make it easier in your struggle probably, but I know

1114
00:53:32,760 --> 00:53:35,799
Speaker 3: that you sharing this is powerful, and you know, I

1115
00:53:35,840 --> 00:53:38,480
Speaker 3: hope that people are listening and nodding their heads and

1116
00:53:38,719 --> 00:53:41,560
Speaker 3: there is no shame. There is absolutely no shame in

1117
00:53:41,600 --> 00:53:45,440
Speaker 3: what you're going through and you're not alone. And I

1118
00:53:45,560 --> 00:53:48,400
Speaker 3: just virtual hug hu no.

1119
00:53:48,520 --> 00:53:50,759
Speaker 1: I appreciate you, Mandy, And it has opened up the

1120
00:53:50,880 --> 00:53:55,520
Speaker 1: joy because I've been feeling like way more Like I

1121
00:53:55,600 --> 00:53:57,520
Speaker 1: was just looking at my husband Jill the other day

1122
00:53:57,520 --> 00:53:58,080
Speaker 1: and I was just like.

1123
00:53:58,000 --> 00:54:00,919
Speaker 2: Oh, man, I really really really love him.

1124
00:54:01,360 --> 00:54:03,440
Speaker 1: And I mean I've always loved him obviously, but I

1125
00:54:03,520 --> 00:54:08,200
Speaker 1: realized that feeling I was feeling was that flood of like, oh,

1126
00:54:08,239 --> 00:54:11,560
Speaker 1: this is what you've been locked out of, this like

1127
00:54:11,760 --> 00:54:15,360
Speaker 1: intense feeling of like joy of love for him because

1128
00:54:15,400 --> 00:54:17,279
Speaker 1: I was not allowing myself to feel the other side.

1129
00:54:17,280 --> 00:54:19,919
Speaker 1: So it just I mean, as much as it's hard

1130
00:54:19,920 --> 00:54:22,200
Speaker 1: to feel this part, it also means I get the

1131
00:54:22,200 --> 00:54:24,160
Speaker 1: other part. So for those of you who are listening,

1132
00:54:24,200 --> 00:54:25,759
Speaker 1: I'm sure, like if you're anything like me, when I

1133
00:54:25,760 --> 00:54:28,120
Speaker 1: hear somebody else crying, I'm like, well, I guess I'm crying, dude.

1134
00:54:29,960 --> 00:54:31,239
Speaker 3: But now I have a cold, dead heart.

1135
00:54:32,520 --> 00:54:35,480
Speaker 1: But I do hope that you know, and I share

1136
00:54:35,520 --> 00:54:38,160
Speaker 1: that to be transparent because I want one you know

1137
00:54:38,239 --> 00:54:39,799
Speaker 1: that I think it's important for you to see that

1138
00:54:39,920 --> 00:54:42,080
Speaker 1: we're not perfect over here, you know, like it's not

1139
00:54:42,719 --> 00:54:48,240
Speaker 1: you know, for yourself, right, Like I just was always

1140
00:54:48,280 --> 00:54:50,080
Speaker 1: like so like I was appreciative when you shared how

1141
00:54:50,080 --> 00:54:52,040
Speaker 1: hard it is when Rio came and you were like, yeah, I.

1142
00:54:51,920 --> 00:54:53,600
Speaker 2: Think this it's too much.

1143
00:54:53,800 --> 00:54:54,840
Speaker 3: Yeah, that was the worst, you.

1144
00:54:54,920 --> 00:54:56,320
Speaker 2: Know, that it was too much.

1145
00:54:56,400 --> 00:54:58,480
Speaker 1: And I think that was really I think it's important

1146
00:54:58,920 --> 00:55:04,160
Speaker 1: that women, especially share like the range of what it

1147
00:55:04,360 --> 00:55:06,520
Speaker 1: looks like, you know, because you can look at Mandy

1148
00:55:06,560 --> 00:55:09,759
Speaker 1: and being like, I mean, what you've done, like you know,

1149
00:55:09,960 --> 00:55:14,080
Speaker 1: joining ally and like that's a huge position. That's that's huge,

1150
00:55:14,560 --> 00:55:16,680
Speaker 1: especially at such a young age. But it doesn't mean

1151
00:55:16,680 --> 00:55:19,520
Speaker 1: that Mandy doesn't have struggles. And what I've been able

1152
00:55:19,600 --> 00:55:21,560
Speaker 1: to do at the as the budgetista, you've gotten to

1153
00:55:21,560 --> 00:55:24,200
Speaker 1: see us both grow up if you've listened. But it

1154
00:55:24,239 --> 00:55:27,160
Speaker 1: doesn't mean that I also don't have struggles. So whatever

1155
00:55:27,280 --> 00:55:29,960
Speaker 1: is happening in your life, like it's just there's just

1156
00:55:30,040 --> 00:55:32,759
Speaker 1: a range and hopefully you'll be able to feel the

1157
00:55:32,800 --> 00:55:34,040
Speaker 1: fullness of that range.

1158
00:55:34,200 --> 00:55:38,000
Speaker 3: So yeah, I think pain is power too. I think

1159
00:55:38,040 --> 00:55:41,160
Speaker 3: it also makes you more empathetic. I don't know how,

1160
00:55:41,880 --> 00:55:43,640
Speaker 3: And you know, I think about Biden being in the

1161
00:55:43,640 --> 00:55:45,880
Speaker 3: White House and how much pain he's gone through personally

1162
00:55:45,920 --> 00:55:48,880
Speaker 3: and how he's always shared that and his compassion and empathy,

1163
00:55:48,960 --> 00:55:51,439
Speaker 3: and that's what we need more of. So I'm all

1164
00:55:51,480 --> 00:55:53,960
Speaker 3: for it, I think. I mean not to be too corny,

1165
00:55:54,040 --> 00:55:56,960
Speaker 3: but pain is the privilege in a way, because it

1166
00:55:57,000 --> 00:55:59,280
Speaker 3: means that you're still here, you know, to be in pain,

1167
00:55:59,360 --> 00:56:02,280
Speaker 3: to have the privilege of waking up each day regardless

1168
00:56:02,320 --> 00:56:05,919
Speaker 3: of what's going on. You know, you you know, every

1169
00:56:06,000 --> 00:56:07,640
Speaker 3: day we have a chance to be here and to

1170
00:56:07,640 --> 00:56:09,600
Speaker 3: put our best foot forward. And some days are bad

1171
00:56:09,640 --> 00:56:11,359
Speaker 3: and some days are good. But I think on the

1172
00:56:11,400 --> 00:56:13,719
Speaker 3: worst days, when you're feeling your lowest. The one thing

1173
00:56:13,760 --> 00:56:16,520
Speaker 3: that the mantra for me is that this is not forever.

1174
00:56:16,800 --> 00:56:19,960
Speaker 3: You know, today, we'll you know, if we're a privileged

1175
00:56:20,000 --> 00:56:22,719
Speaker 3: we'll have another day. And this feeling that I have

1176
00:56:22,840 --> 00:56:26,080
Speaker 3: right now of hopelessness or stress or anxiety or pain,

1177
00:56:26,640 --> 00:56:29,759
Speaker 3: it won't last forever. And there's you have to see

1178
00:56:29,800 --> 00:56:31,759
Speaker 3: it and sit with it. But you can look at

1179
00:56:31,800 --> 00:56:34,640
Speaker 3: it and sort of for me, let it pass, you know,

1180
00:56:34,840 --> 00:56:37,600
Speaker 3: let it wave over you, and then you'll, you know,

1181
00:56:37,760 --> 00:56:41,279
Speaker 3: hopefully hopefully get to a more joyful and happy place

1182
00:56:41,320 --> 00:56:43,839
Speaker 3: and if that wave comes back, it will pass. But

1183
00:56:43,880 --> 00:56:45,680
Speaker 3: it's not about ignoring it. It's just sort of like

1184
00:56:45,760 --> 00:56:48,960
Speaker 3: writing it and letting it and letting the pain hit

1185
00:56:49,000 --> 00:56:51,120
Speaker 3: you so that then you can really and you see

1186
00:56:51,120 --> 00:56:52,440
Speaker 3: it every day in your work, you know, you can

1187
00:56:52,480 --> 00:56:54,000
Speaker 3: look at people and what they're going through and you

1188
00:56:54,280 --> 00:56:55,840
Speaker 3: can look in their eyes and maybe it's not the

1189
00:56:55,840 --> 00:56:58,759
Speaker 3: same pain, the same struggle, but we're all just doing

1190
00:56:58,760 --> 00:57:01,880
Speaker 3: our damn best. Yeah, I'll just doing the best we can,

1191
00:57:02,440 --> 00:57:04,120
Speaker 3: and we got to be there for each other. We

1192
00:57:04,239 --> 00:57:07,680
Speaker 3: have to, so paining joy you can share it here,

1193
00:57:07,880 --> 00:57:10,880
Speaker 3: you know that. Yeah, I know a mandra and my

1194
00:57:11,080 --> 00:57:15,480
Speaker 3: eyes suggest getting a ten dollars Strobe Light for just

1195
00:57:15,520 --> 00:57:17,840
Speaker 3: any room in your house, because honestly, it's the best

1196
00:57:17,840 --> 00:57:21,000
Speaker 3: ten dollars I've ever sent. And I don't care if

1197
00:57:21,000 --> 00:57:23,000
Speaker 3: someone needs to take away my Amazon credit card, but

1198
00:57:23,440 --> 00:57:26,360
Speaker 3: ten dollars. So much joy that's going on.

1199
00:57:26,400 --> 00:57:29,320
Speaker 2: I'm laughing because you know Superman don't bought a stroke light.

1200
00:57:29,240 --> 00:57:32,560
Speaker 3: Right he did? Okay? Yeah, but anything it means Superman

1201
00:57:32,640 --> 00:57:35,040
Speaker 3: need to have a party, like a virtual Strobe light party.

1202
00:57:35,080 --> 00:57:37,440
Speaker 3: It is, so it's the best. Yeah, put that stroke light.

1203
00:57:38,120 --> 00:57:40,560
Speaker 3: He danced with a baby for like two hours on Friday.

1204
00:57:40,560 --> 00:57:41,959
Speaker 3: I'm gonna do it after the show.

1205
00:57:42,760 --> 00:57:44,520
Speaker 1: Ya, we have these. He put it in the basement

1206
00:57:44,600 --> 00:57:46,480
Speaker 1: is too, And there's one that is it is yours

1207
00:57:46,520 --> 00:57:48,400
Speaker 1: like voice or noise activated.

1208
00:57:47,960 --> 00:57:51,360
Speaker 3: Like if you clapa, Yes, of course he got one.

1209
00:57:52,080 --> 00:57:54,080
Speaker 1: I'm like, I swear, you know. It's so funny how

1210
00:57:54,480 --> 00:57:56,360
Speaker 1: there are like patents in your life. I look at

1211
00:57:56,400 --> 00:57:58,840
Speaker 1: the people that like I really connect and click with

1212
00:57:58,920 --> 00:58:03,000
Speaker 1: the most, and how similar So many of my friends

1213
00:58:03,080 --> 00:58:06,880
Speaker 1: are like you, like you Superman, my friend Rihanna, like

1214
00:58:07,600 --> 00:58:12,120
Speaker 1: my friend Cabrel. There's so many similar personality traits, you know,

1215
00:58:12,640 --> 00:58:14,720
Speaker 1: and like this, like you know, like what I love

1216
00:58:14,760 --> 00:58:17,160
Speaker 1: so much about you, Mandy. Is that you because I'm

1217
00:58:17,160 --> 00:58:19,680
Speaker 1: someone who's like this people pleaser, but I always feel

1218
00:58:19,680 --> 00:58:21,560
Speaker 1: that you are just always so clear.

1219
00:58:22,320 --> 00:58:25,080
Speaker 3: And concite people and firms.

1220
00:58:25,760 --> 00:58:27,040
Speaker 1: I know you have your times, but you know what

1221
00:58:27,040 --> 00:58:29,480
Speaker 1: I mean, like to me as a that I'm someone

1222
00:58:29,520 --> 00:58:32,920
Speaker 1: who avoids confrontation and you're like, no, I'm okay with

1223
00:58:33,240 --> 00:58:35,760
Speaker 1: you know, because I rather be said and done. And

1224
00:58:36,120 --> 00:58:38,480
Speaker 1: when I look at Superman, my husband, I look at

1225
00:58:38,520 --> 00:58:39,960
Speaker 1: my friend Rihanna, when I look at you, when I

1226
00:58:39,960 --> 00:58:42,640
Speaker 1: look at Cabrell, I see that and I see that

1227
00:58:42,760 --> 00:58:46,120
Speaker 1: I'm surrounding myself with like just these amazing people that

1228
00:58:46,200 --> 00:58:47,480
Speaker 1: I'm better as a result of.

1229
00:58:47,640 --> 00:58:49,200
Speaker 2: And so just the fact that you.

1230
00:58:49,240 --> 00:58:51,160
Speaker 1: Have a stroke, like like Superman, I'm like, of course

1231
00:58:51,200 --> 00:58:52,280
Speaker 1: Mandy does, because.

1232
00:58:53,800 --> 00:58:54,520
Speaker 2: That is so.

1233
00:58:56,040 --> 00:58:59,240
Speaker 3: Ten dollars you can have your own. The thing is

1234
00:58:59,280 --> 00:59:01,640
Speaker 3: we've been going out of our homes to get everything

1235
00:59:01,640 --> 00:59:03,240
Speaker 3: that we need. And I know, Tiffany you were saying

1236
00:59:03,240 --> 00:59:04,520
Speaker 3: that you're like hitting a wall and you want to

1237
00:59:04,560 --> 00:59:06,960
Speaker 3: be out there. I've never felt more like this is

1238
00:59:07,000 --> 00:59:09,600
Speaker 3: all I need, everything I need in the entire world

1239
00:59:09,800 --> 00:59:12,920
Speaker 3: in this house. If I can't get it Amazon, I

1240
00:59:12,920 --> 00:59:15,520
Speaker 3: can see I've got the clothes, I got the booze,

1241
00:59:15,680 --> 00:59:18,280
Speaker 3: I got good food. I have my cousin who I adore,

1242
00:59:18,440 --> 00:59:19,920
Speaker 3: I have my us Like, I cannot wait for my.

1243
00:59:21,680 --> 00:59:24,800
Speaker 1: What's it called it, my bike, my my peloton. I'm like,

1244
00:59:25,240 --> 00:59:26,680
Speaker 1: I feel like that's going to just bring a little

1245
00:59:26,720 --> 00:59:28,560
Speaker 1: extra juice in the house. So I can't wait for them.

1246
00:59:28,600 --> 00:59:29,680
Speaker 3: Oh, you're gonna get a pelotone.

1247
00:59:29,720 --> 00:59:30,160
Speaker 1: Yeah, I told you.

1248
00:59:30,200 --> 00:59:31,280
Speaker 2: I didn't tell you I'm gonna get it.

1249
00:59:31,280 --> 00:59:33,480
Speaker 3: I thought you were thinking about it. I didn't know. Yes,

1250
00:59:33,560 --> 00:59:34,760
Speaker 3: I was like, you know, I want to get there.

1251
00:59:34,880 --> 00:59:36,560
Speaker 2: Yes, I'm gonna get a penalts because I'm like, you know,

1252
00:59:36,640 --> 00:59:38,320
Speaker 2: I just love it.

1253
00:59:38,360 --> 00:59:40,080
Speaker 1: I'm excited because I just feel like, you know, I

1254
00:59:40,120 --> 00:59:42,640
Speaker 1: already use my treadmill fairly regularly, but I'm like, I

1255
00:59:42,680 --> 00:59:45,120
Speaker 1: think it would just be fun to have like a

1256
00:59:45,200 --> 00:59:46,880
Speaker 1: bike that will you know, where I can connect with

1257
00:59:46,880 --> 00:59:47,320
Speaker 1: other people.

1258
00:59:47,360 --> 00:59:49,320
Speaker 2: I've heard like the peloton groups are amazing.

1259
00:59:49,880 --> 00:59:51,680
Speaker 3: Yes BGM Black Girl Magic.

1260
00:59:51,960 --> 00:59:55,200
Speaker 1: Yes, I've heard that one. My friend Logan, my coworker.

1261
00:59:55,200 --> 00:59:57,720
Speaker 3: The funniest group of black women in the entire country

1262
00:59:58,000 --> 01:00:00,880
Speaker 3: in the Facebook group. I cannot these all these women

1263
01:00:01,080 --> 01:00:01,600
Speaker 3: I love.

1264
01:00:01,920 --> 01:00:04,120
Speaker 1: So I'm excited about that. I know this was a

1265
01:00:04,320 --> 01:00:06,040
Speaker 1: long question of segment.

1266
01:00:08,200 --> 01:00:08,720
Speaker 2: That's good though.

1267
01:00:08,760 --> 01:00:12,240
Speaker 1: I feel like that's a good like a question segment

1268
01:00:12,560 --> 01:00:13,040
Speaker 1: and we can.

1269
01:00:13,040 --> 01:00:15,680
Speaker 3: Right Jane, are you okay? That's your name? Did you

1270
01:00:15,720 --> 01:00:16,720
Speaker 3: get everything you came for?

1271
01:00:16,880 --> 01:00:20,880
Speaker 2: Jane James? Like that and a whole lot more and.

1272
01:00:20,920 --> 01:00:25,000
Speaker 3: A whole now. I love it. Well, thank y'all again

1273
01:00:25,080 --> 01:00:26,960
Speaker 3: for the question. That's that's it for our question segment.

1274
01:00:27,000 --> 01:00:29,040
Speaker 3: Let's take a quick, quick, quick, little break and then

1275
01:00:29,040 --> 01:00:30,720
Speaker 3: we'll come back and do a booster break.

1276
01:00:31,440 --> 01:00:37,200
Speaker 2: And we're back with a boost or a break. Are

1277
01:00:37,240 --> 01:00:39,680
Speaker 2: you going to boost? Managar, are you going to break?

1278
01:00:40,000 --> 01:00:41,760
Speaker 3: I'm going to boost because I feel like we need

1279
01:00:41,800 --> 01:00:46,120
Speaker 3: some yes, because well listen, I you know I could break.

1280
01:00:46,120 --> 01:00:48,640
Speaker 3: There's plenty to break about, but boosting. I just said it, like,

1281
01:00:49,160 --> 01:00:52,040
Speaker 3: I really feel like my home has become this sanctuary.

1282
01:00:52,160 --> 01:00:57,840
Speaker 3: And I have made the basement a dark, dismal basement

1283
01:00:57,880 --> 01:01:01,760
Speaker 3: with like storage and stuff. And I saw our household

1284
01:01:01,800 --> 01:01:05,280
Speaker 3: going towards like the stuff accumulation track, and I'm like,

1285
01:01:05,360 --> 01:01:07,720
Speaker 3: noop nipping that in the bud. So we did a

1286
01:01:07,720 --> 01:01:11,600
Speaker 3: big basement cleanup and it is officially zen Den and

1287
01:01:11,680 --> 01:01:14,640
Speaker 3: I am freaking stoked. And I'm so I'm like kind

1288
01:01:14,680 --> 01:01:16,480
Speaker 3: of annoyed at myself that it took me a year

1289
01:01:16,600 --> 01:01:18,800
Speaker 3: to claim the space for myself. But now that it's

1290
01:01:18,880 --> 01:01:20,480
Speaker 3: now that I've done it, I'm like, why did I

1291
01:01:20,600 --> 01:01:23,120
Speaker 3: do this sooner? I come down here during the day

1292
01:01:23,160 --> 01:01:26,000
Speaker 3: to just sit in my nice cushy armchair and just

1293
01:01:26,040 --> 01:01:29,000
Speaker 3: listen to music or turn on my strobe light and

1294
01:01:29,080 --> 01:01:31,880
Speaker 3: just dance it out because I can. Because there's cause

1295
01:01:31,920 --> 01:01:35,720
Speaker 3: you can, And like being in your thirties is the best,

1296
01:01:35,840 --> 01:01:38,480
Speaker 3: like being professional, and just like I can do my

1297
01:01:38,600 --> 01:01:40,720
Speaker 3: job and then I can play and have a good

1298
01:01:40,720 --> 01:01:43,120
Speaker 3: time and I can do both things. And just I'm

1299
01:01:43,160 --> 01:01:45,640
Speaker 3: trying to access little small moments of joy like that,

1300
01:01:45,800 --> 01:01:48,400
Speaker 3: like let me just have some space for myself, spend

1301
01:01:48,400 --> 01:01:50,640
Speaker 3: the money that I work so hard to spend on

1302
01:01:50,720 --> 01:01:54,840
Speaker 3: something that feeds my soul and not stuff. But can

1303
01:01:55,120 --> 01:01:57,040
Speaker 3: How could clearing out this basement and getting rid of

1304
01:01:57,120 --> 01:01:59,760
Speaker 3: stuff and just giving me more space to breathe it

1305
01:01:59,880 --> 01:02:03,200
Speaker 3: just has. It has made me immensely more happy this

1306
01:02:03,280 --> 01:02:06,120
Speaker 3: past week, just having a door I can close and

1307
01:02:06,200 --> 01:02:08,360
Speaker 3: come down here and get some work done. We painted

1308
01:02:08,400 --> 01:02:11,360
Speaker 3: the walls and it wasn't that expensive. You know, maybe

1309
01:02:11,520 --> 01:02:15,880
Speaker 3: I've spent one thousand dollars tops just for like furniture

1310
01:02:16,120 --> 01:02:19,600
Speaker 3: and paint. And you know, we got a cool curtain

1311
01:02:19,680 --> 01:02:21,600
Speaker 3: that just kind of covers up the two shelves I

1312
01:02:21,600 --> 01:02:24,920
Speaker 3: allowed my husband to keep for storage. And you know,

1313
01:02:25,000 --> 01:02:26,960
Speaker 3: we put a little bit of like flooring down, I

1314
01:02:27,000 --> 01:02:30,080
Speaker 3: mean a rug. It wasn't crazy amounts of money. And

1315
01:02:30,120 --> 01:02:33,360
Speaker 3: the time that my husband put into like installing outlets

1316
01:02:33,400 --> 01:02:35,120
Speaker 3: for me so I can plug in my desk and

1317
01:02:35,560 --> 01:02:37,600
Speaker 3: you know, I love him for that. But I'm very,

1318
01:02:37,720 --> 01:02:39,400
Speaker 3: very happy with the Zenden and I'm gonna have to

1319
01:02:39,480 --> 01:02:42,280
Speaker 3: do I'm gonna post on installater like the before night.

1320
01:02:42,200 --> 01:02:43,680
Speaker 2: I was gonna say, I want to see.

1321
01:02:44,000 --> 01:02:47,480
Speaker 3: Yes, she's a work in progress, but she's mine and

1322
01:02:47,720 --> 01:02:50,200
Speaker 3: I can't wait. I can't wait. I'm gonna do bookshelves

1323
01:02:50,200 --> 01:02:51,680
Speaker 3: and like a little I want to I kind of

1324
01:02:51,680 --> 01:02:53,160
Speaker 3: want to do like a little love seat. Maybe I

1325
01:02:53,160 --> 01:02:54,960
Speaker 3: can just like take a nap, you know once in

1326
01:02:54,960 --> 01:02:59,040
Speaker 3: a while. Yeah, I love it. I'm so so happy.

1327
01:02:59,080 --> 01:03:01,640
Speaker 3: And you know, honestly, if I hadn't been banging around

1328
01:03:01,680 --> 01:03:03,440
Speaker 3: my house the past year, just like banging my head

1329
01:03:03,480 --> 01:03:06,080
Speaker 3: off the walls looking for you know, complaining about how

1330
01:03:06,120 --> 01:03:08,000
Speaker 3: no one gives me any privacy and how I'm always

1331
01:03:08,000 --> 01:03:10,640
Speaker 3: accessible to the baby and to my husband. Listen, no

1332
01:03:10,640 --> 01:03:12,040
Speaker 3: one was going to fix that problem. I had to

1333
01:03:12,080 --> 01:03:15,400
Speaker 3: just do it myself. So I am very happy.

1334
01:03:15,440 --> 01:03:19,320
Speaker 1: Now good I am. I'm gonna do like a little

1335
01:03:19,320 --> 01:03:21,360
Speaker 1: boosts and a bigger boost. So a little boost. I

1336
01:03:21,440 --> 01:03:24,120
Speaker 1: bought a Ninja, one of those blenders.

1337
01:03:24,160 --> 01:03:24,480
Speaker 2: Girls.

1338
01:03:24,480 --> 01:03:25,480
Speaker 1: I was like, you know what, I need to eat

1339
01:03:25,520 --> 01:03:28,920
Speaker 1: more vegetables, but sometimes I just don't feel like eating vegetables,

1340
01:03:29,880 --> 01:03:30,160
Speaker 1: so I.

1341
01:03:30,200 --> 01:03:32,960
Speaker 3: Just want to like suck them down. Yes, And I

1342
01:03:33,000 --> 01:03:35,280
Speaker 3: was like so all that chewing.

1343
01:03:35,480 --> 01:03:38,520
Speaker 2: Yes, So like Ninja has like this.

1344
01:03:38,960 --> 01:03:42,120
Speaker 1: It's literally like it's like the the width of like

1345
01:03:42,160 --> 01:03:43,400
Speaker 1: I guess, the palm of your hand.

1346
01:03:43,520 --> 01:03:44,240
Speaker 2: It's really short.

1347
01:03:44,280 --> 01:03:46,560
Speaker 1: It's literally just for blending like smoothies, but you can

1348
01:03:46,560 --> 01:03:48,320
Speaker 1: make it like also I think like butter and like

1349
01:03:48,960 --> 01:03:51,400
Speaker 1: I mean and like ice cream or whatever. Because it's

1350
01:03:51,560 --> 01:03:53,480
Speaker 1: just this small little base and then you put the

1351
01:03:53,520 --> 01:03:56,640
Speaker 1: cup on top. And because I don't like to clean

1352
01:03:56,680 --> 01:03:58,760
Speaker 1: the big old blender because I was doing that before

1353
01:03:58,880 --> 01:04:00,720
Speaker 1: and I just stopped making sweat of these as a result.

1354
01:04:00,800 --> 01:04:03,360
Speaker 1: But this is literally just put the cup on top,

1355
01:04:03,400 --> 01:04:05,920
Speaker 1: blend your stuff and it has been everything the whole house.

1356
01:04:06,080 --> 01:04:08,680
Speaker 1: Supergirl has been so into it because we're trying to

1357
01:04:08,680 --> 01:04:11,040
Speaker 1: get her to eat more vegetables, and so we told her, like,

1358
01:04:11,080 --> 01:04:12,400
Speaker 1: at the very least, if you're not gonna eat them,

1359
01:04:12,440 --> 01:04:14,880
Speaker 1: you have to drink them. So she makes a smoothie

1360
01:04:14,880 --> 01:04:16,800
Speaker 1: for herself every day, and it's been loving it. I

1361
01:04:16,840 --> 01:04:18,600
Speaker 1: have to say I love when I say I love it.

1362
01:04:18,680 --> 01:04:20,760
Speaker 2: I love it. Amazon brought that to my house, so

1363
01:04:20,800 --> 01:04:21,440
Speaker 2: that was joy.

1364
01:04:22,200 --> 01:04:25,160
Speaker 1: Then we didn't really talk about but we could just say, hey,

1365
01:04:25,680 --> 01:04:29,720
Speaker 1: Whitney right, youngest self made billionaire with bumble Bumble went

1366
01:04:30,120 --> 01:04:32,520
Speaker 1: the ipode right.

1367
01:04:32,400 --> 01:04:32,960
Speaker 2: Oh did you?

1368
01:04:33,120 --> 01:04:34,160
Speaker 3: Was like Whitney who Houston?

1369
01:04:34,280 --> 01:04:35,600
Speaker 2: No you did you buy any?

1370
01:04:36,560 --> 01:04:39,720
Speaker 3: And I did not buy any bumble stock. I read

1371
01:04:39,760 --> 01:04:41,680
Speaker 3: about it. Should I buy some bumble stock?

1372
01:04:41,760 --> 01:04:41,800
Speaker 1: No?

1373
01:04:41,880 --> 01:04:43,920
Speaker 3: I mean that's why I'm a terrible stock trader. I

1374
01:04:43,960 --> 01:04:45,920
Speaker 3: just I read about it and I forget, like I

1375
01:04:45,960 --> 01:04:48,320
Speaker 3: don't know, I need to set alerts for myself. No,

1376
01:04:48,400 --> 01:04:49,440
Speaker 3: I did not buy any bumble.

1377
01:04:49,560 --> 01:04:51,640
Speaker 1: But what I really love is that this is like

1378
01:04:51,680 --> 01:04:53,200
Speaker 1: the comebacks story of all comeback story. So if you

1379
01:04:53,240 --> 01:04:55,480
Speaker 1: don't know about bumble, so Bumble is like this social

1380
01:04:55,600 --> 01:04:58,000
Speaker 1: dating app where women get to make the first move.

1381
01:04:58,200 --> 01:04:59,760
Speaker 1: But I love about Bumble. It's like there's like you

1382
01:04:59,800 --> 01:05:02,280
Speaker 1: can make like business connections. You could do Bumble best friend.

1383
01:05:02,280 --> 01:05:05,120
Speaker 1: We could just look for friendship. But what happened was

1384
01:05:05,200 --> 01:05:08,600
Speaker 1: that she was early I think she was one of

1385
01:05:08,640 --> 01:05:11,680
Speaker 1: the co founders of Tender or an early executive of Tender.

1386
01:05:12,000 --> 01:05:13,360
Speaker 1: I think she was like dating one of the.

1387
01:05:13,280 --> 01:05:16,720
Speaker 3: Gods Tender, right, yeah, and they basic, yeah, she had

1388
01:05:16,760 --> 01:05:19,840
Speaker 3: like it was a bad falling out, yeah, bad scandal.

1389
01:05:20,040 --> 01:05:23,600
Speaker 1: And then they but they really kind of like shamed her,

1390
01:05:23,920 --> 01:05:27,560
Speaker 1: like sexually shamed her, like in the in the in

1391
01:05:27,600 --> 01:05:31,640
Speaker 1: the Silicon Valley streets. It was really ugly. Then she

1392
01:05:31,760 --> 01:05:35,360
Speaker 1: went off to make Bumble. And now, I mean, I

1393
01:05:35,360 --> 01:05:37,920
Speaker 1: don't know that there's any not that obviously she's not

1394
01:05:37,960 --> 01:05:40,200
Speaker 1: doing this for payback because who cares about them? But

1395
01:05:40,240 --> 01:05:42,680
Speaker 1: I just love the fact that, like like the Phoenix,

1396
01:05:42,680 --> 01:05:45,240
Speaker 1: she writes from the ashes and created this amazing company

1397
01:05:45,240 --> 01:05:49,240
Speaker 1: where it's safe for women, And so I just, yeah, Bumble,

1398
01:05:49,360 --> 01:05:51,880
Speaker 1: she's a badass, and I love that she's like she's

1399
01:05:51,920 --> 01:05:52,560
Speaker 1: a new mom.

1400
01:05:53,240 --> 01:05:55,160
Speaker 2: She's thirty one years old.

1401
01:05:56,040 --> 01:05:57,680
Speaker 1: Not to say if you're forty or fifty or sixty,

1402
01:05:57,680 --> 01:05:59,440
Speaker 1: that's too late fifty to do anything amazing. But I

1403
01:05:59,520 --> 01:06:01,280
Speaker 1: just love the fact that this is someone who was

1404
01:06:01,320 --> 01:06:04,280
Speaker 1: counted out after she was pushed out of something that

1405
01:06:04,280 --> 01:06:06,560
Speaker 1: she helped to make great, and they thought that they

1406
01:06:06,560 --> 01:06:08,720
Speaker 1: had taken her greatness, but she took it with her

1407
01:06:09,080 --> 01:06:10,840
Speaker 1: and Bumble is proof positive of that.

1408
01:06:11,000 --> 01:06:15,400
Speaker 2: So Whitney Wolf, we salute to girl. So that's just awesome.

1409
01:06:15,800 --> 01:06:19,120
Speaker 3: Oh fabulous. Well, I love I love hearing that context too,

1410
01:06:19,360 --> 01:06:22,440
Speaker 3: of her her greater story all much. I got bumble?

1411
01:06:22,960 --> 01:06:25,360
Speaker 3: I mean, yeah, bumble. What's the new? Is that the

1412
01:06:25,400 --> 01:06:27,120
Speaker 3: new dating? That's like a one that's the one where

1413
01:06:27,120 --> 01:06:30,520
Speaker 3: women get to invite the man first, right, Okay, I

1414
01:06:30,920 --> 01:06:33,000
Speaker 3: love bumble because my one of my good girlfriends, she

1415
01:06:33,120 --> 01:06:36,360
Speaker 3: like used bumble to meet friends in the city, which

1416
01:06:36,360 --> 01:06:38,360
Speaker 3: I thought was just a stroke of brilliance because yeah,

1417
01:06:38,360 --> 01:06:40,440
Speaker 3: we're not all trying to hook up, and women love meeting.

1418
01:06:40,440 --> 01:06:45,200
Speaker 3: Women like to make friends in connections. So I love it. Yeah,

1419
01:06:45,440 --> 01:06:47,440
Speaker 3: is your did your sister post about it? And your

1420
01:06:47,480 --> 01:06:49,760
Speaker 3: secret and your secret stock?

1421
01:06:50,000 --> 01:06:52,680
Speaker 1: Surprisingly, what's she's like. She's a lot more conservative than

1422
01:06:52,680 --> 01:06:55,760
Speaker 1: people think she. She probably would say, let's wait and see,

1423
01:06:55,760 --> 01:06:57,000
Speaker 1: she's not really huge on ip.

1424
01:06:57,200 --> 01:06:57,919
Speaker 2: Well that's not true.

1425
01:06:57,960 --> 01:07:01,080
Speaker 1: She's more into, like I don't know, I feel like

1426
01:07:01,080 --> 01:07:03,080
Speaker 1: physical technology because she's an engineer.

1427
01:07:03,480 --> 01:07:04,320
Speaker 2: So yeah, I'm gonna ask.

1428
01:07:04,360 --> 01:07:06,480
Speaker 1: I'm like, Caroen, what you think about bombu because she

1429
01:07:06,520 --> 01:07:08,520
Speaker 1: didn't mention it surprisingly.

1430
01:07:08,000 --> 01:07:10,520
Speaker 3: Enough that to me is like, I mean, I like

1431
01:07:10,560 --> 01:07:13,320
Speaker 3: to if I know something really deeply, I'll buy shares

1432
01:07:13,400 --> 01:07:15,640
Speaker 3: or you know, something like that. But my little brother,

1433
01:07:15,720 --> 01:07:17,600
Speaker 3: he cracked me up just a quick side. He'd texted me.

1434
01:07:17,640 --> 01:07:20,240
Speaker 3: He's like, dang, Mandy, I invested in this weed company

1435
01:07:20,240 --> 01:07:22,400
Speaker 3: that my friends were talking about. And I guess weed

1436
01:07:22,520 --> 01:07:24,600
Speaker 3: stocks had a huge week last week because I don't

1437
01:07:24,640 --> 01:07:27,400
Speaker 3: even remember why, some legislation or something like that. And

1438
01:07:27,760 --> 01:07:31,120
Speaker 3: he made two thousand dollars I think in overnight. And

1439
01:07:31,160 --> 01:07:32,760
Speaker 3: he's like, man, I made two thousand dollars. And I

1440
01:07:32,800 --> 01:07:34,360
Speaker 3: was like, I need you to quickly. I was working

1441
01:07:34,400 --> 01:07:36,760
Speaker 3: and I was busy, and I'm like, just google unrealized

1442
01:07:36,800 --> 01:07:40,960
Speaker 3: gains right, and just just like just because because he's like,

1443
01:07:41,080 --> 01:07:43,080
Speaker 3: I learned what a stock was today and I'm like, okay,

1444
01:07:43,120 --> 01:07:43,720
Speaker 3: oh my.

1445
01:07:44,600 --> 01:07:47,280
Speaker 2: I love it. Can you tell the people what unrealized

1446
01:07:47,320 --> 01:07:49,720
Speaker 2: gains so that way they know, well.

1447
01:07:49,480 --> 01:07:51,760
Speaker 3: When people say, oh, I made X amount of money

1448
01:07:51,760 --> 01:07:54,439
Speaker 3: on a stock. That basically means, you know, I bought

1449
01:07:54,480 --> 01:07:56,480
Speaker 3: it for one dollar and then at the end of

1450
01:07:56,520 --> 01:07:58,640
Speaker 3: the day the stock was valued by Wall Street for

1451
01:07:58,720 --> 01:08:01,520
Speaker 3: ten dollars and so I made you know, ten x

1452
01:08:01,720 --> 01:08:03,840
Speaker 3: my one dollar. Cool, But did you make it like

1453
01:08:03,840 --> 01:08:07,440
Speaker 3: it's in your bank? No, it's unrealized, which means until

1454
01:08:07,520 --> 01:08:10,480
Speaker 3: you cash out sell the stock and then you know,

1455
01:08:10,560 --> 01:08:13,280
Speaker 3: take that money and bank it, you haven't really realized it.

1456
01:08:13,320 --> 01:08:15,360
Speaker 3: And then there's all we talked about it, you know

1457
01:08:15,720 --> 01:08:18,040
Speaker 3: in a couple episodes ago when we're talking about game Stop.

1458
01:08:18,080 --> 01:08:20,880
Speaker 3: But there is a there's a tax element, and not

1459
01:08:20,920 --> 01:08:23,840
Speaker 3: to say that, of course, making money you're gonna pay

1460
01:08:23,840 --> 01:08:26,160
Speaker 3: money because taxes, but doesn't mean that you shouldn't make

1461
01:08:26,200 --> 01:08:28,040
Speaker 3: that money. It's amazing. You know, my brother made two

1462
01:08:28,120 --> 01:08:30,639
Speaker 3: K and even if Uncle Sam takes forty percent, cool,

1463
01:08:31,040 --> 01:08:33,360
Speaker 3: He's still made you know, a nice chunk of change

1464
01:08:33,400 --> 01:08:36,760
Speaker 3: just by investing. But I just feel like all the yeah,

1465
01:08:36,840 --> 01:08:40,639
Speaker 3: you just you should realize, you know, when you are trading,

1466
01:08:40,880 --> 01:08:42,519
Speaker 3: you know, you don't really make that You don't really

1467
01:08:42,520 --> 01:08:45,200
Speaker 3: make that money until you you know, cash it out,

1468
01:08:45,240 --> 01:08:48,840
Speaker 3: and then even then it's about a long term you know,

1469
01:08:48,960 --> 01:08:51,120
Speaker 3: it's a long term view for me. So yeah, maybe

1470
01:08:51,160 --> 01:08:54,479
Speaker 3: Alex made two K on his weed stock on Tuesday

1471
01:08:54,560 --> 01:08:56,040
Speaker 3: last week, but where is he going to be in

1472
01:08:56,040 --> 01:08:59,280
Speaker 3: fifteen years? I don't know, you know, so it kind

1473
01:08:59,280 --> 01:09:02,400
Speaker 3: of yeah, so you're investing, just just think about that.

1474
01:09:02,920 --> 01:09:06,200
Speaker 3: And he and he's joking about not knowing about stocks.

1475
01:09:06,200 --> 01:09:09,519
Speaker 3: I mean, he may not know about like trading individual stocks,

1476
01:09:09,560 --> 01:09:11,040
Speaker 3: but that man has had a four to one k

1477
01:09:11,160 --> 01:09:13,160
Speaker 3: for a long time. Like he at least just got in,

1478
01:09:13,280 --> 01:09:15,200
Speaker 3: opened his four one k, put his little ten percent

1479
01:09:15,200 --> 01:09:18,000
Speaker 3: in and you know he's been cruising. So playing with

1480
01:09:18,080 --> 01:09:20,080
Speaker 3: money in the stock market on top of that's gravy,

1481
01:09:20,240 --> 01:09:21,439
Speaker 3: Like that's icing on the cake.

1482
01:09:21,840 --> 01:09:23,559
Speaker 1: Yes, And that's so. I just heard back from Carol.

1483
01:09:23,560 --> 01:09:24,880
Speaker 1: I'll say, what do you think about Bumble?

1484
01:09:24,920 --> 01:09:25,679
Speaker 2: She's liked I like them.

1485
01:09:26,000 --> 01:09:28,320
Speaker 1: She did an episode on that podcast How I Built It.

1486
01:09:28,400 --> 01:09:31,120
Speaker 1: She said all dating apps are going to continue to

1487
01:09:31,160 --> 01:09:33,080
Speaker 1: do well now that everyone is stuck at home.

1488
01:09:33,400 --> 01:09:34,519
Speaker 2: Look at her with her insight.

1489
01:09:34,760 --> 01:09:36,720
Speaker 1: So I'm not saying buy Bumble, but what I am

1490
01:09:36,760 --> 01:09:39,240
Speaker 1: saying that it might actually if you are into investing.

1491
01:09:39,920 --> 01:09:42,880
Speaker 1: That So that's the kind of insight you're looking for, Like, huh,

1492
01:09:42,920 --> 01:09:45,439
Speaker 1: Now that we're home, more people are likely going to

1493
01:09:45,479 --> 01:09:47,920
Speaker 1: be connecting online. Are there other stocks I might look

1494
01:09:47,960 --> 01:09:51,960
Speaker 1: into of companies you know that would care two folks

1495
01:09:52,000 --> 01:09:54,880
Speaker 1: who are looking for connection. That's how you really start

1496
01:09:54,960 --> 01:09:58,519
Speaker 1: to choose stocks that you're looking for some sort of trend,

1497
01:09:58,560 --> 01:10:00,600
Speaker 1: and then you will look at the companies financials to

1498
01:10:00,680 --> 01:10:01,519
Speaker 1: back up that trend.

1499
01:10:02,880 --> 01:10:05,479
Speaker 3: I love an ETF, and I think what I love

1500
01:10:05,520 --> 01:10:08,240
Speaker 3: most about ETFs right now exchange traded funds is that

1501
01:10:08,280 --> 01:10:10,280
Speaker 3: if there's a certain company that I'm a fan of,

1502
01:10:10,760 --> 01:10:14,320
Speaker 3: there's probably an ETF that contains shares of that fun

1503
01:10:14,400 --> 01:10:17,760
Speaker 3: I mean. And ETF is basically a fund that holds,

1504
01:10:17,840 --> 01:10:20,880
Speaker 3: you know, different stocks from different companies, not a ton,

1505
01:10:21,000 --> 01:10:23,439
Speaker 3: but you know the like the top the top holders,

1506
01:10:23,439 --> 01:10:25,280
Speaker 3: and you know, the top the biggest part of an

1507
01:10:25,320 --> 01:10:28,759
Speaker 3: ETF might be like ten companies. And like, I invested

1508
01:10:28,800 --> 01:10:31,840
Speaker 3: in an ETF called the Arc Innovation ETF. This is

1509
01:10:31,880 --> 01:10:35,200
Speaker 3: me personally just because I, you know, tech, big tech

1510
01:10:35,200 --> 01:10:38,559
Speaker 3: companies like Zoom and Slack and Tesla and other companies

1511
01:10:38,600 --> 01:10:41,720
Speaker 3: did like amazing to say the least this year, and

1512
01:10:42,160 --> 01:10:44,000
Speaker 3: for me, instead of having to choose one stock, and

1513
01:10:44,080 --> 01:10:46,960
Speaker 3: ETF made sense because you can trade them like stocks,

1514
01:10:46,960 --> 01:10:49,680
Speaker 3: but you're actually buying pieces of several companies and it's

1515
01:10:49,760 --> 01:10:52,720
Speaker 3: less work. So I am my baby cousin who I've

1516
01:10:52,760 --> 01:10:56,240
Speaker 3: been kind of coaching lately. She's she loves cosmetics, and

1517
01:10:56,280 --> 01:10:58,280
Speaker 3: I was like, yeah, I know, there's like a cosmetic

1518
01:10:58,320 --> 01:11:00,479
Speaker 3: ETF out there, Like she's spending all her money at

1519
01:11:00,520 --> 01:11:02,920
Speaker 3: Alta and whatever. And I'm like, where's it, where's it?

1520
01:11:02,960 --> 01:11:04,800
Speaker 3: Where's an ETF? And like, what is the name of

1521
01:11:04,920 --> 01:11:07,880
Speaker 3: the the parent company of all these brands And it's

1522
01:11:08,000 --> 01:11:11,080
Speaker 3: like somehow it's Louis Bouton. I don't know, it's LM

1523
01:11:11,200 --> 01:11:13,600
Speaker 3: v H. And I'm just looking through and I'm like,

1524
01:11:13,640 --> 01:11:15,479
Speaker 3: this is a great you know, if you love a

1525
01:11:15,479 --> 01:11:18,240
Speaker 3: certain like if you're into electronics, or you're into beauty

1526
01:11:18,320 --> 01:11:22,680
Speaker 3: or you're into I don't know, energy, there's there's an

1527
01:11:22,720 --> 01:11:26,880
Speaker 3: ETF for everybody. And I think that that's that's my

1528
01:11:27,400 --> 01:11:29,320
Speaker 3: that's my you know, investing.

1529
01:11:29,479 --> 01:11:31,760
Speaker 1: No, No, I agree, because I'm not a like individual. I mean,

1530
01:11:31,800 --> 01:11:33,559
Speaker 1: I've done well just because I just did what Carol

1531
01:11:33,600 --> 01:11:35,240
Speaker 1: told me. But I'm taking my money and I'm running.

1532
01:11:36,280 --> 01:11:39,920
Speaker 1: But no, I am a ETF uh uh, you know

1533
01:11:40,280 --> 01:11:42,599
Speaker 1: index fund fan myself because I'm I don't have time

1534
01:11:42,640 --> 01:11:45,000
Speaker 1: to do the research. I much rather get a basket

1535
01:11:45,200 --> 01:11:48,679
Speaker 1: of like of investments and then just kind of ride

1536
01:11:48,680 --> 01:11:49,080
Speaker 1: that weave.

1537
01:11:49,800 --> 01:11:53,040
Speaker 3: Yeah, exactly. And I think people criticize, you know, the

1538
01:11:53,040 --> 01:11:56,800
Speaker 3: big indexes like SNP five hundred index funds, because well

1539
01:11:56,800 --> 01:11:58,720
Speaker 3: they can criticize it because you're only ever going to

1540
01:11:58,760 --> 01:12:00,680
Speaker 3: do as good as like the general market does, and

1541
01:12:00,720 --> 01:12:03,519
Speaker 3: you won't get the big gains if like one sector

1542
01:12:03,520 --> 01:12:06,759
Speaker 3: in that market particularly performs well. So if you invest

1543
01:12:06,800 --> 01:12:09,080
Speaker 3: in a ETF that tracks a certain sector, like a

1544
01:12:09,080 --> 01:12:12,679
Speaker 3: certain industry, then you're you're more likely to to ride

1545
01:12:12,720 --> 01:12:15,920
Speaker 3: their high waves on top, you know, and outperform the

1546
01:12:15,960 --> 01:12:19,200
Speaker 3: S and P. So that's just that's that's on that.

1547
01:12:19,320 --> 01:12:21,840
Speaker 3: But I still, I still my my biggest holding is

1548
01:12:21,880 --> 01:12:25,360
Speaker 3: that S and P index fund through Vanguard, and then

1549
01:12:25,680 --> 01:12:27,760
Speaker 3: I have my additional brokerage account and that's where I

1550
01:12:27,840 --> 01:12:30,360
Speaker 3: kind of pick and I pick little ETFs or I'll

1551
01:12:30,520 --> 01:12:32,160
Speaker 3: you know, buy a stock there by a stock there,

1552
01:12:32,200 --> 01:12:38,320
Speaker 3: But I'm not anybody got time for it not here. Anyway,

1553
01:12:38,720 --> 01:12:41,519
Speaker 3: Today was a good one. Shall we call it a show?

1554
01:12:41,600 --> 01:12:45,160
Speaker 3: We laughed, we cried, key, no.

1555
01:12:45,720 --> 01:12:49,360
Speaker 1: We felt joy, sadness, everything in between. Anchor oh, we

1556
01:12:49,400 --> 01:12:50,840
Speaker 1: had all the emotions.

1557
01:12:51,400 --> 01:12:53,120
Speaker 3: So when you get your peloton, you're gonna have the

1558
01:12:53,120 --> 01:12:55,160
Speaker 3: strobe light just like me. And then when they play

1559
01:12:55,200 --> 01:12:57,360
Speaker 3: the music and the light is like the section.

1560
01:12:57,920 --> 01:12:58,839
Speaker 2: I didn't even realize.

1561
01:12:58,880 --> 01:13:01,680
Speaker 3: I'm like, oh my gosh, wow, and that's the best.

1562
01:13:02,080 --> 01:13:03,760
Speaker 2: But now I'm like, wait, that is going to be

1563
01:13:03,800 --> 01:13:06,240
Speaker 2: such a vibe. Okay, that's fine.

1564
01:13:06,320 --> 01:13:08,160
Speaker 3: Have your own little party down there. You got it,

1565
01:13:08,800 --> 01:13:10,720
Speaker 3: and then you can we'll we'll have to work on

1566
01:13:10,720 --> 01:13:12,760
Speaker 3: our leader board names. Well, of course she'll be the budgetesta.

1567
01:13:12,840 --> 01:13:16,160
Speaker 3: I'm brown ambition on Pello. If you guys want to follow, Yeah,

1568
01:13:16,240 --> 01:13:17,640
Speaker 3: I'm excited. How long is it going to take for

1569
01:13:17,680 --> 01:13:18,400
Speaker 3: your bike to get there?

1570
01:13:18,400 --> 01:13:20,800
Speaker 1: Though, that's if you know forever I ordered it, I

1571
01:13:20,840 --> 01:13:22,519
Speaker 1: want to say a few weeks ago and they basically

1572
01:13:22,520 --> 01:13:23,920
Speaker 1: told me there was like a ninety day.

1573
01:13:23,960 --> 01:13:25,200
Speaker 2: It was something too ridiculous.

1574
01:13:25,240 --> 01:13:28,120
Speaker 1: So yeah, I mean, but that's okay though, because I'm

1575
01:13:28,200 --> 01:13:31,200
Speaker 1: like committed to you know, I want to. I think,

1576
01:13:31,200 --> 01:13:33,040
Speaker 1: if anything, pandemic has taught me that you have to

1577
01:13:33,040 --> 01:13:35,200
Speaker 1: have things at home because you just don't know, you know.

1578
01:13:35,400 --> 01:13:37,360
Speaker 1: I actually like going outside and going for walks and

1579
01:13:37,400 --> 01:13:39,120
Speaker 1: things like that. But if I'm not able to. I

1580
01:13:39,240 --> 01:13:41,160
Speaker 1: like having something at home as well. And I love

1581
01:13:41,160 --> 01:13:44,040
Speaker 1: the fact that Supergirl I hear her like on the

1582
01:13:44,040 --> 01:13:47,240
Speaker 1: phone walking on the treadmill. So because she doesn't, you know,

1583
01:13:47,800 --> 01:13:50,840
Speaker 1: she's fourteen, so there's no gym for her, you know,

1584
01:13:51,160 --> 01:13:53,320
Speaker 1: and so like, you know, like at school, like she

1585
01:13:53,360 --> 01:13:55,439
Speaker 1: would normally get exercise because she would be walking to

1586
01:13:55,479 --> 01:13:57,879
Speaker 1: class and walking up the steps and going to gym class.

1587
01:13:58,240 --> 01:14:00,120
Speaker 1: And the fact that she's not getting that, we're like, oh,

1588
01:14:00,160 --> 01:14:02,920
Speaker 1: we want her to stretch her legs. So she goes

1589
01:14:02,960 --> 01:14:04,600
Speaker 1: on a treadmill, just off her own free will, just

1590
01:14:04,640 --> 01:14:06,880
Speaker 1: to kind of like walk and like watch whatever show

1591
01:14:06,960 --> 01:14:09,640
Speaker 1: she's totally into right now. And so there's it's just

1592
01:14:09,760 --> 01:14:11,719
Speaker 1: nice to have exercise in the house if you're able.

1593
01:14:12,160 --> 01:14:14,360
Speaker 3: Absolutely, And there's a YouTube video for everything.

1594
01:14:14,360 --> 01:14:18,080
Speaker 1: If you don't have machines, yes, if you have steps,

1595
01:14:18,120 --> 01:14:19,679
Speaker 1: just walk up and down to math or your booty

1596
01:14:19,680 --> 01:14:20,280
Speaker 1: will be lifted.

1597
01:14:20,280 --> 01:14:24,960
Speaker 3: Okay, sane, All right, darling, We'll go get some I

1598
01:14:25,000 --> 01:14:27,120
Speaker 3: don't know, relax, I hope you can relax or are

1599
01:14:27,160 --> 01:14:28,559
Speaker 3: you doing a nine pm Instagram?

1600
01:14:29,200 --> 01:14:29,439
Speaker 4: Cool?

1601
01:14:30,360 --> 01:14:32,200
Speaker 2: I'm not. I'm about to make myself a smoothie.

1602
01:14:32,360 --> 01:14:36,599
Speaker 3: My new ninja make a smoothie, hug your boo. All right,

1603
01:14:37,040 --> 01:14:39,559
Speaker 3: thanks for opening up. I really I love you a

1604
01:14:39,560 --> 01:14:42,320
Speaker 3: lot and thinking about you always, and I know everyone

1605
01:14:42,360 --> 01:14:43,080
Speaker 3: who listens is to

1606
01:14:44,000 --> 01:14:46,080
Speaker 1: All right, thank you, all right, Bye Tiv, all right,

1607
01:14:46,120 --> 01:14:59,400
Speaker 1: bye bye