WEBVTT - Get Ready for Another Major FICO Score Change

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<v Speaker 1>Hey, hey, hey, I feel super awesome right now. We're back,

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<v Speaker 1>We're black, we're brown, and ambition. Have you on the ambition?

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<v Speaker 2>Hey man, hey, I'm here. Another show, another week. We're

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<v Speaker 2>doing it.

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<v Speaker 1>Yes, we're doing it.

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<v Speaker 2>Thank you guys so much for all your first and foremost.

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<v Speaker 2>Thank you guys so much. I got a flood of

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<v Speaker 2>messages and well wishes and so many like I really enjoyed.

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<v Speaker 2>One woman even sent me a voice message. I didn't

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<v Speaker 2>know you could do that on Instagram. It freaked me out.

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<v Speaker 2>I was like, do I press play? And then what happens?

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<v Speaker 2>She's talking to me. It's like an Instagram voicemail, like

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<v Speaker 2>just just sharing. It was so all these heartfelt messages

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<v Speaker 2>and just people pouring out their hearts and telling me

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<v Speaker 2>their personal stories of struggling with those early weeks of motherhood.

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<v Speaker 2>So I really really appreciate it. Thank you guys for

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<v Speaker 2>hearing me. I had a little bit of a vulnerability hangover.

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<v Speaker 2>Do you know that expression? Do you follow Berne Brown? Yeah,

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<v Speaker 2>that's her her. She writes about vulnerability and I was like,

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<v Speaker 2>being vulnerable as a leader and stuff, and I'm like, oh,

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<v Speaker 2>this is what a vulnerability hangover feels. Like you cry

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<v Speaker 2>in your national podcast and just live with that for

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<v Speaker 2>a week. And y'all know I edit the show, so

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<v Speaker 2>I was my finger was itching delete, but no, I

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<v Speaker 2>mean I had to stand in my truth and thank

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<v Speaker 2>y'all for hearing me. And I was just talking to

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<v Speaker 2>Tiff because right now I'm getting that itch to go

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<v Speaker 2>back to work or just you know, it's it's hard

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<v Speaker 2>when you are at a level of productivity and like

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<v Speaker 2>with your career. You know, Tiff, you're thinking about having

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<v Speaker 2>a family too, so it's like, how will you juggle

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<v Speaker 2>the person you were?

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<v Speaker 1>Who? Really?

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<v Speaker 2>Just I mean, I love my calendar was my favorite thing.

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<v Speaker 2>I love a packed calendar. I love to know every

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<v Speaker 2>half hour chunk of my day and what was what

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<v Speaker 2>I was gonna do. And this life of eat, sleep, poop, eat, sleep, poop, cry, eat,

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<v Speaker 2>you know, eat, sleep, poop, like that monotony is just

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<v Speaker 2>I guess I'm at that point in the attorney leave

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<v Speaker 2>where it's just like, oh, I my brain can do

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<v Speaker 2>more than this, Like where are my tasks? And my

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<v Speaker 2>therapist was telling me, like I see this woman like

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<v Speaker 2>you all the time. You look for things that you

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<v Speaker 2>can do on top of keeping the baby, alive every

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<v Speaker 2>day just to like reach your productivity, just so you

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<v Speaker 2>can feel like you're productive. And she's like, you got

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<v Speaker 2>to stop, like keeping the baby alive. That takes all

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<v Speaker 2>the mental energy, and you're just setting yourself up for

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<v Speaker 2>disappointment when you feel like you didn't accomplish anything from

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<v Speaker 2>day to day. And that's when I'm like trying to

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<v Speaker 2>make peace with that, trying to like, Okay, no, I

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<v Speaker 2>didn't unload the dishwasher. Yes, the laundry is still like

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<v Speaker 2>not even in a basket, just sprawl across the floor.

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<v Speaker 2>I mean, my closet is just like a landmine of

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<v Speaker 2>just nursing pad and nursing tops and like just crap

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<v Speaker 2>onesies and whatever else on the floor. And I've had

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<v Speaker 2>to kind of just okay, not everything got done, but

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<v Speaker 2>the baby is sleeping and fed and happy, and you

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<v Speaker 2>know what, that's the stamp of approval. Day to day.

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<v Speaker 2>I sound like I've made I've worked it out, but

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<v Speaker 2>I'm still struggling with the whole you know, that's feeling

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<v Speaker 2>I'm not productive.

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<v Speaker 1>Watching you because i I'm to be fully transparent, so

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<v Speaker 1>I took you know, it's been two years. Have you

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<v Speaker 1>been listening to brown and vision, which I'm sure you have.

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<v Speaker 1>It's been two years of like back to back IVF,

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<v Speaker 1>like I stopped traveling, I stopped speaking as much. I

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<v Speaker 1>said no to a lot of things so I could

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<v Speaker 1>be home and still no baby. So that part it's

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<v Speaker 1>been kind of stressful. And then in December I had

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<v Speaker 1>it was a December, I think it was December. I

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<v Speaker 1>had another scar removal surgery. Because some people like keloid

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<v Speaker 1>on the outside, Apparently I scar easily on the inside.

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<v Speaker 1>So I found out two years ago I had fibroids

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<v Speaker 1>because I had a miss carriage and so I knew

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<v Speaker 1>when I was pregnant. I was like, yeah, yeah, I

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<v Speaker 1>did not know I had fiveboids until like, I was like,

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<v Speaker 1>I'm spotting. So I went to the emergency room and

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<v Speaker 1>they were like, we don't see anything but the fibroids.

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<v Speaker 1>They couldn't even see the baby. That's how many fibrids

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<v Speaker 1>I had. And so that's when I had my fiber

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<v Speaker 1>removal surgery. And when I did, my gynecologists was like,

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<v Speaker 1>you know, you're thirty eight, and if you're wanted to

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<v Speaker 1>have a baby, I would stack the odds in your

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<v Speaker 1>favor and not just try naturally, I would, you know,

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<v Speaker 1>use the help of a fertility doctor. And I said okay,

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<v Speaker 1>And that's when I found out like all these other

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<v Speaker 1>things that are like one, I guess I don't know

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<v Speaker 1>if it's hereditary or whatever, but my eggs I don't

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<v Speaker 1>have the level and quality of eggs that I that

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<v Speaker 1>the average woman of my age has. So I guess

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<v Speaker 1>to make it like, you know, I don't know what

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<v Speaker 1>age you could say, but I'm forty, but maybe my

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<v Speaker 1>eggs would would skew like more true for forty five

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<v Speaker 1>year old as you know, as women your eggs, you know,

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<v Speaker 1>so as a result, I'm not as fertile as you

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<v Speaker 1>would think. Like at thirty eight, it was like, you know,

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<v Speaker 1>I should still be relatively fertile, but I had a

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<v Speaker 1>low I think it was called HG HSG. HG, don't

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<v Speaker 1>get me to it's something with h Basically my levels

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<v Speaker 1>were low. And it was like, so, then, no, I

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<v Speaker 1>think it's HSG. I want to say something.

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<v Speaker 2>Like HSGA hormone. I should know these things something.

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<v Speaker 1>Yeah, So it's basically like my hormone level is low

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<v Speaker 1>for my age range. So then it was especially like

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<v Speaker 1>you need to use a fertility clinic because not that

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<v Speaker 1>I can't get pregnant naturally, but it's going to be

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<v Speaker 1>much much, much harder. And if I was twenty one,

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<v Speaker 1>then it would be fine. You have all these years,

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<v Speaker 1>but at thirty eight, it's like, you know, you're it's ticking,

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<v Speaker 1>and so like stacked the odds in your favor. So

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<v Speaker 1>we did you know, I've gone through the process of

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<v Speaker 1>removing the fibroids, and then once you removed the fibroids,

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<v Speaker 1>my uterus like I had too much scar tissue as

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<v Speaker 1>a result because I had a lot of fibroids, So

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<v Speaker 1>we removed the scar tissue. Scar tissued again. The scar

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<v Speaker 1>tissue propped open the universe with an iu iud Like

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<v Speaker 1>you know, it looks like a little umbrella, kind of

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<v Speaker 1>like the inside of an umbrella that if you were

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<v Speaker 1>to take off. Yeah, so the prop me open so

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<v Speaker 1>that way it can heal without the without scarring together,

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<v Speaker 1>because your skin wants to fuse together, like whenever skin

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<v Speaker 1>is raw and open. So that's what my units was doing.

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<v Speaker 1>And but in the meantime I was doing cycles and

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<v Speaker 1>cycles or when they basically pump me with a bunch

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<v Speaker 1>of hormones. So when you're after your period comes and

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<v Speaker 1>your normal ovulation cycle happens. Instead of producing one egg,

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<v Speaker 1>you produce multiple eggs. Now, someone a woman of my age,

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<v Speaker 1>when I was thirty eight, I would have on average,

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<v Speaker 1>like eight follicles, and you produce eight eggs. I had four,

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<v Speaker 1>and so I was producing four follicles, and I was

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<v Speaker 1>producing three to four eggs every cycle. But then I

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<v Speaker 1>got pregnant again from but this time with IVF, and

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<v Speaker 1>then I had another miscarriage, and they're like, okay, let's

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<v Speaker 1>test this embryo. An embryo is just a mixer, like

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<v Speaker 1>it's like a pre baby almost. It's like, you know,

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<v Speaker 1>the sperm and the and the egg before it's like

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<v Speaker 1>fully coming to baby. And it turned out that that

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<v Speaker 1>baby had UH chromosomal issues, which is not uncommon for

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<v Speaker 1>an older woman, you know what I mean, Like if

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<v Speaker 1>I was into my late for so so this it

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<v Speaker 1>was really like evidence then like okay, your eggs are

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<v Speaker 1>not as healthy as they as they could be. And

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<v Speaker 1>so every single psycho since then I have paid an

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<v Speaker 1>additional amount of money to test the embryo because usually

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<v Speaker 1>you don't have to test it. What happens is they

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<v Speaker 1>put an embryo inside you. Your body does the rest.

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<v Speaker 1>Your body says good, bad, let it go whatever. But

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<v Speaker 1>for me, because I know that, you know, my equality

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<v Speaker 1>is not so great, I don't want to waste like

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<v Speaker 1>the time and putting in an embryo that is not healthy,

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<v Speaker 1>because what my body is going to do is I'm

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<v Speaker 1>going to carry. And what happened with my last miscarriage,

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<v Speaker 1>it caused scar tissue. So then I had another two

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<v Speaker 1>scar tissue. So it's like it took me almost a

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<v Speaker 1>year to recover from the physically inside recover from the

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<v Speaker 1>last miscarriage because of the scar tissue. So I'm like,

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<v Speaker 1>I don't have a year if you put in an

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<v Speaker 1>embryo that is not going to be healthy and my

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<v Speaker 1>body's going to reject anyway. So we need to know

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<v Speaker 1>ahead of time. So I've done like four or five

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<v Speaker 1>different cycles, honestly, and like at like out of maybe

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<v Speaker 1>ten to twelve embryos, I have one healthy embryo. The

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<v Speaker 1>last cycle we did, none of them were healthy and

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<v Speaker 1>then they found more scar tissue. I'm like, oh my god, honestly,

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<v Speaker 1>and so in January I was like I step away,

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<v Speaker 1>like it's too much.

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<v Speaker 2>It's a lot that's at just take up. I mean,

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<v Speaker 2>I just wanted a moment to acknowledge the work you

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<v Speaker 2>are putting in, Like that's a lot of silent work

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<v Speaker 2>and a lot of silent I mean, I can't even imagine.

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<v Speaker 2>I can't even imagine even doing all this for so long, and.

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<v Speaker 1>It's just been like so like of course frustrating. So

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<v Speaker 1>I was like in January, I was like, okay, I

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<v Speaker 1>So I called my doctor and I was like, honestly,

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<v Speaker 1>I need a break because it's been two years. She's like,

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<v Speaker 1>and I's like, my joice, do I need to lose weight? Try?

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<v Speaker 1>Because you remember that's why I had gone vegan. Like

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<v Speaker 1>I was like, whatever it takes, Like I don't want

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<v Speaker 1>to look back twenty years from now and say, dank, Tiffany.

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<v Speaker 1>You really could have went on one less vacation or

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<v Speaker 1>said no to that speaking engagement and really put the

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<v Speaker 1>energy into having a family. And so I didn't want that,

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<v Speaker 1>you know. Like, so I was like, I'm going to

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<v Speaker 1>do all that I'm supposed to do. And she's like, tify,

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<v Speaker 1>you've been my doctor was telling my fertility doctor, you

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<v Speaker 1>have been a model patient. You've come to every you know,

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<v Speaker 1>you haven't missed any shots. And you know you've come

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<v Speaker 1>to every appointment. You know, you you you have, you know,

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<v Speaker 1>you've been a model patient. If there was something I

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<v Speaker 1>could say, do this better so to make it, She's like,

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<v Speaker 1>but I can't, and so she's like, I think it

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<v Speaker 1>is a good idea for you to take a break.

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<v Speaker 1>So I took January kind of like off, just to

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<v Speaker 1>because the what what a cycle looks like is that

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<v Speaker 1>you're giving yourself a shot every morning, every evening. Then

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<v Speaker 1>every other day you're at the doctor. Well for my doctor,

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<v Speaker 1>they do they do something called like pre appointments at

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<v Speaker 1>six thirty am, and so women who are doing the cycle,

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<v Speaker 1>it's like you have to get blood drawn and you

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<v Speaker 1>have to do basically when do you go to the guy? Now,

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<v Speaker 1>what is it when they're basically like looking in the

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<v Speaker 1>side of your regina? Yes, basically can you imagine that every

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<v Speaker 1>other day blood like the blood drawn. I'm like, yo,

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<v Speaker 1>I take my blood. It's nothing in comparison to like

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<v Speaker 1>every other morning at six am, crawling out of bed,

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<v Speaker 1>waiting on the cold steps with like all these other women.

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<v Speaker 1>You just kind of looking at each other like hi, Maria, Hi,

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<v Speaker 1>and you're waiting for them to open the doors, turn

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<v Speaker 1>on the lights before the office even opens so they

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<v Speaker 1>could draw your blood, which, like I said to me,

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<v Speaker 1>that's the easy part. But then for me to lay

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<v Speaker 1>legs cocked open, for you to put metal inside me,

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<v Speaker 1>for you to look again, and it's just like it's

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<v Speaker 1>just so I just like I I just need it.

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<v Speaker 1>I just need a break. So I was good at

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<v Speaker 1>like I said, at first January. Then I was like,

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<v Speaker 1>you know, I'm not gonna start back again until April.

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<v Speaker 1>You know I'm gonna And then I was like, you

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<v Speaker 1>know what, maybe I won't even have a baby. Maybe

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<v Speaker 1>I'll just But then I see Roman and Amelia, my

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<v Speaker 1>niece and my nephew, and I'm like, I really like

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<v Speaker 1>I want that, you know, like and but then there's

0:11:15.160 --> 0:11:17.920
<v Speaker 1>also this fear that like I am super driven, so

0:11:17.960 --> 0:11:20.880
<v Speaker 1>I'm scared like, well, like, you know, I see the

0:11:20.880 --> 0:11:23.360
<v Speaker 1>struggle you're going through, Manny, and I feel like as

0:11:23.360 --> 0:11:25.720
<v Speaker 1>it relates to like our careers and how much we

0:11:25.840 --> 0:11:29.280
<v Speaker 1>love the work, like I'm scared, like what if what

0:11:29.400 --> 0:11:31.600
<v Speaker 1>does that look like? On the other side, Like am

0:11:31.640 --> 0:11:34.960
<v Speaker 1>I gonna be able to adjust because of how much

0:11:35.000 --> 0:11:37.560
<v Speaker 1>I really enjoy doing and being the budget the still

0:11:37.559 --> 0:11:40.000
<v Speaker 1>so that part is also scary too. So I've been vacillating. Yeah,

0:11:40.320 --> 0:11:40.959
<v Speaker 1>back and forth.

0:11:41.520 --> 0:11:43.520
<v Speaker 2>We have to I'm not back in the work. I'm

0:11:43.520 --> 0:11:45.400
<v Speaker 2>not back at work yet, but yes I will address

0:11:45.400 --> 0:11:48.000
<v Speaker 2>because if I don't, I will go insane, and I

0:11:48.000 --> 0:11:51.760
<v Speaker 2>think you will too. The survival is that is figuring

0:11:51.800 --> 0:11:55.440
<v Speaker 2>out how do you stay true? How do you And

0:11:55.480 --> 0:11:57.880
<v Speaker 2>this is just me speaking to my future self. I

0:11:59.040 --> 0:12:02.120
<v Speaker 2>know that I've obviously life has changed, priorities have change,

0:12:02.160 --> 0:12:05.160
<v Speaker 2>but you still have to You still have to do

0:12:05.200 --> 0:12:08.160
<v Speaker 2>what drives you and what speaks to your soul and

0:12:08.200 --> 0:12:10.000
<v Speaker 2>what makes you who you are at your core, the

0:12:10.040 --> 0:12:12.160
<v Speaker 2>important things, you know, not the extra stuff you can

0:12:12.160 --> 0:12:14.160
<v Speaker 2>say no to this or that, but like the core

0:12:14.240 --> 0:12:17.600
<v Speaker 2>of what you do. And I just feel like and

0:12:17.720 --> 0:12:20.480
<v Speaker 2>especially for you as an entrepreneur, I've heard time and

0:12:20.520 --> 0:12:25.440
<v Speaker 2>again I know people with similar you know, structured like

0:12:25.520 --> 0:12:30.319
<v Speaker 2>businesses like yours sometimes say children make you work more efficiently,

0:12:30.480 --> 0:12:34.199
<v Speaker 2>can make more, can make you more uh, can make

0:12:34.200 --> 0:12:37.280
<v Speaker 2>you more driven and and and make you request more

0:12:37.360 --> 0:12:39.240
<v Speaker 2>for what you do so that you earn more than

0:12:39.240 --> 0:12:42.400
<v Speaker 2>you used to. I just and maybe this has comfort,

0:12:42.400 --> 0:12:44.800
<v Speaker 2>maybe it's not comforting, but I feel like we have to.

0:12:45.200 --> 0:12:48.520
<v Speaker 2>We have to find a way to do the work

0:12:48.679 --> 0:12:53.080
<v Speaker 2>and do the mothering thing, or else we just won't

0:12:53.320 --> 0:12:56.200
<v Speaker 2>be happy. And you know who wants to have an

0:12:56.280 --> 0:13:00.959
<v Speaker 2>unhappy an unhappy wife and an unhappy mom. It's not

0:13:01.040 --> 0:13:03.720
<v Speaker 2>just it's just gonna drag the whole household. So I mean,

0:13:03.800 --> 0:13:04.960
<v Speaker 2>drag the whole household down.

0:13:06.640 --> 0:13:08.800
<v Speaker 1>So I just like so, I honestly I decided because

0:13:08.800 --> 0:13:10.040
<v Speaker 1>I was just like, I'm gonna wait. I'm gonna wait

0:13:10.200 --> 0:13:11.480
<v Speaker 1>to push you back, push it back, and push it back.

0:13:11.480 --> 0:13:13.880
<v Speaker 1>And then really this weekend I was just really thinking

0:13:13.920 --> 0:13:15.600
<v Speaker 1>about it. My niece and my nephew came over it,

0:13:15.640 --> 0:13:18.280
<v Speaker 1>and it was just like they're just so awesome, you know,

0:13:18.559 --> 0:13:20.880
<v Speaker 1>like the two and two and four, such great agents.

0:13:21.160 --> 0:13:27.720
<v Speaker 1>They're fun, they talk, they they joke like, you know, yes,

0:13:28.280 --> 0:13:34.320
<v Speaker 1>even though like a million to wipe my butt, and

0:13:34.360 --> 0:13:36.840
<v Speaker 1>she calls me Auntie Poopy to be funny, like Auntie Poopy,

0:13:36.880 --> 0:13:39.199
<v Speaker 1>and I'm just like, it's just it's just everything. They

0:13:39.200 --> 0:13:43.080
<v Speaker 1>are everything. And I thought like, I, yes, Tiffany, you

0:13:43.080 --> 0:13:45.640
<v Speaker 1>do want this. I get the frustration, but I'm not

0:13:45.840 --> 0:13:49.480
<v Speaker 1>we haven't come this far to give up. And so yeah,

0:13:49.520 --> 0:13:52.680
<v Speaker 1>so I actually have to call my fertility doctor again. Uh.

0:13:52.840 --> 0:13:54.080
<v Speaker 1>I was supposed to call today but I didn't. I'm

0:13:54.080 --> 0:13:57.800
<v Speaker 1>gonna call tomorrow to say, Okay, what's next. I'm praying

0:13:58.000 --> 0:14:01.280
<v Speaker 1>that this last scar tissue has really move the last

0:14:01.760 --> 0:14:04.680
<v Speaker 1>scars that were inside my uterus, because what happens with

0:14:04.960 --> 0:14:06.880
<v Speaker 1>when you think about scars too, you should think about

0:14:06.880 --> 0:14:09.720
<v Speaker 1>it as like almost like a scab that's holding part

0:14:09.720 --> 0:14:13.400
<v Speaker 1>of your uterus together, and so you want an open,

0:14:13.520 --> 0:14:16.680
<v Speaker 1>clear uterus so that way the baby has full space

0:14:16.720 --> 0:14:19.080
<v Speaker 1>to grow. But you've got like it's not like a

0:14:19.120 --> 0:14:22.080
<v Speaker 1>scab on the roof on the side, it's the scab,

0:14:22.120 --> 0:14:24.920
<v Speaker 1>it's holding one it's connecting one side of your unius

0:14:25.080 --> 0:14:28.640
<v Speaker 1>to the other. So almost like like so it's like

0:14:28.720 --> 0:14:31.280
<v Speaker 1>a balloon that you squeezed in the middle, so there's

0:14:31.280 --> 0:14:32.840
<v Speaker 1>no space for a baby to grow on one side

0:14:32.840 --> 0:14:34.400
<v Speaker 1>of the bubble of the balloon or the other side

0:14:34.400 --> 0:14:35.640
<v Speaker 1>of the bubble of the boom. So they have to

0:14:35.680 --> 0:14:38.840
<v Speaker 1>remove that. And so I'm hoping that you know, when

0:14:38.840 --> 0:14:40.720
<v Speaker 1>they go to look that they're like, yeah, it's all clear,

0:14:40.800 --> 0:14:43.520
<v Speaker 1>which is great. So I've already told myself, like I

0:14:43.520 --> 0:14:47.280
<v Speaker 1>have three options. I'm gonna do one more cycle because

0:14:47.320 --> 0:14:48.600
<v Speaker 1>if I you know, by now, if I do a

0:14:48.640 --> 0:14:50.640
<v Speaker 1>cycle and that we don't have any healthy embryos, and

0:14:50.680 --> 0:14:53.840
<v Speaker 1>it just means that my body's been basically like you know,

0:14:54.160 --> 0:14:56.200
<v Speaker 1>I don't know that the medicine is just not working.

0:14:56.520 --> 0:14:59.480
<v Speaker 1>And then if that cycle doesn't yield any good embryos,

0:14:59.520 --> 0:15:03.440
<v Speaker 1>I I still I do have one good embryo from

0:15:03.480 --> 0:15:07.600
<v Speaker 1>like a year ago that we froze, and so I'm

0:15:07.640 --> 0:15:10.000
<v Speaker 1>then after that, I'll just have them put that embryo in.

0:15:10.040 --> 0:15:12.880
<v Speaker 1>If this cycle doesn't yield any fresh embryos, they'll put

0:15:12.880 --> 0:15:16.840
<v Speaker 1>that embryo in and then prayerfully that embryo takes if

0:15:16.880 --> 0:15:19.360
<v Speaker 1>the cycle, the next cycle doesn't yield anything, and then

0:15:19.400 --> 0:15:21.640
<v Speaker 1>if that doesn't happen, I just told myself honestly, I

0:15:21.720 --> 0:15:23.960
<v Speaker 1>think I'm just gonna try my hand at just us

0:15:23.960 --> 0:15:29.840
<v Speaker 1>trying naturally with a clear fiboard free scar tissue free uterus.

0:15:29.960 --> 0:15:33.400
<v Speaker 1>So that's like the third because you can't try naturally

0:15:33.440 --> 0:15:37.480
<v Speaker 1>while you're doing IVF because they do test things sometimes

0:15:37.680 --> 0:15:39.960
<v Speaker 1>that could hurt a child if you don't even know

0:15:39.960 --> 0:15:41.760
<v Speaker 1>you're pregnant. So let's just say me and Jerella trying

0:15:42.160 --> 0:15:44.120
<v Speaker 1>like naturally, and I happen to be pregnant and in

0:15:44.240 --> 0:15:45.640
<v Speaker 1>three days and I don't even know. But then I

0:15:45.680 --> 0:15:47.880
<v Speaker 1>go to the doctor and sometimes they do this thing

0:15:47.920 --> 0:15:51.040
<v Speaker 1>where it's called the high hydro something where they literally

0:15:51.120 --> 0:15:54.600
<v Speaker 1>fill your unius with water so they can see it fully,

0:15:54.680 --> 0:15:57.200
<v Speaker 1>so you don't want to drown your potential baby, you know.

0:15:57.160 --> 0:15:58.760
<v Speaker 2>So you can't realize all that.

0:15:58.840 --> 0:16:01.720
<v Speaker 1>Man, Oh my gosh, like this. There's one where they

0:16:01.880 --> 0:16:05.760
<v Speaker 1>literally put ink inside you so and it like burns

0:16:06.000 --> 0:16:08.440
<v Speaker 1>so they can see they can get a picture, like

0:16:08.520 --> 0:16:12.040
<v Speaker 1>a clear picture of what your unus is looking like,

0:16:12.080 --> 0:16:13.800
<v Speaker 1>so they can see all the scar tissues. When I

0:16:13.880 --> 0:16:17.160
<v Speaker 1>tell you, whoo, if it wasn't for the budgetista, like

0:16:17.240 --> 0:16:19.720
<v Speaker 1>I put it like in a section of my head

0:16:19.760 --> 0:16:22.600
<v Speaker 1>of like like like on to do list, go to

0:16:22.640 --> 0:16:24.560
<v Speaker 1>the doctor in the morning, let them look in your

0:16:24.640 --> 0:16:27.720
<v Speaker 1>vagina for the thousand times. Then I come home. Then

0:16:27.760 --> 0:16:30.000
<v Speaker 1>I you know, like I because if not, it just

0:16:30.000 --> 0:16:31.760
<v Speaker 1>will make you crazy. Like even hearing it coming from

0:16:31.760 --> 0:16:34.360
<v Speaker 1>my mouth, I'm like, yo, this sounds crazy. But you

0:16:34.360 --> 0:16:36.120
<v Speaker 1>can't look at it like that or you won't do it.

0:16:36.600 --> 0:16:39.560
<v Speaker 1>And so but not everyone. So here's the thing. A

0:16:39.600 --> 0:16:42.160
<v Speaker 1>friend of mine she did one cycle got pregnant, boom.

0:16:42.400 --> 0:16:45.240
<v Speaker 1>So IVF doesn't look like this for everyone, Like I'm

0:16:45.280 --> 0:16:49.440
<v Speaker 1>just having a harder time than most. Quite honestly, it's

0:16:49.480 --> 0:16:55.120
<v Speaker 1>it's they say, IVF is typically sixty percent successful. So yeah,

0:16:55.480 --> 0:16:58.960
<v Speaker 1>and not everyone sticks with it, honestly, because I'm really fortunate,

0:16:58.960 --> 0:17:01.720
<v Speaker 1>which I'm grateful of is that a superman might my husband,

0:17:01.800 --> 0:17:06.920
<v Speaker 1>his his benefits cover everything. I pay a ten dollars copay.

0:17:07.320 --> 0:17:08.880
<v Speaker 1>Sometimes when I go to see the doctor, I don't

0:17:08.880 --> 0:17:13.160
<v Speaker 1>know if I've even spent two hundred dollars extraordinary, I mean, honestly,

0:17:13.480 --> 0:17:16.480
<v Speaker 1>the blessing I'm blessed Mary, yeah m hm. So whenever

0:17:16.480 --> 0:17:20.280
<v Speaker 1>I'm feeling super overwhelmed, I remind myself, like Tiffany, like

0:17:20.520 --> 0:17:24.520
<v Speaker 1>you have probably spent over two hundred thousand not probably,

0:17:24.560 --> 0:17:26.960
<v Speaker 1>but this process would have cost me out of pocket

0:17:27.000 --> 0:17:30.879
<v Speaker 1>over two hundred thousand dollars already already if if like

0:17:30.920 --> 0:17:33.560
<v Speaker 1>you know, because I'll see the medicine. Sometimes the medicine

0:17:33.600 --> 0:17:36.040
<v Speaker 1>list will come up and it'll say, all of these

0:17:36.040 --> 0:17:38.280
<v Speaker 1>shots and everything, we're sending you eighty thousand dollars, but

0:17:38.359 --> 0:17:41.200
<v Speaker 1>your your call pay for the medicine zero dollars. I

0:17:41.200 --> 0:17:45.560
<v Speaker 1>don't even pay for the medicine. Yeah, so as much

0:17:45.680 --> 0:17:47.080
<v Speaker 1>like you know, you don't have to cry for me, Argentina,

0:17:47.080 --> 0:17:48.400
<v Speaker 1>because I know it's hard, but I live a really

0:17:48.400 --> 0:17:52.480
<v Speaker 1>blessed fortunate life because so many women don't have access

0:17:52.520 --> 0:17:54.720
<v Speaker 1>to healthcare that would take care of this for them.

0:17:54.760 --> 0:17:59.119
<v Speaker 1>So I don't know, pray for me. I feel hopeful

0:17:59.119 --> 0:18:00.800
<v Speaker 1>because I'm just like, I do have one good embryo.

0:18:00.880 --> 0:18:03.440
<v Speaker 1>My body has shown twice that it can indeed be pregnant.

0:18:03.720 --> 0:18:07.000
<v Speaker 1>It's just like, I'm just creating the ideal environment and

0:18:07.040 --> 0:18:09.520
<v Speaker 1>we already we have a healthy embryo. So even if

0:18:09.520 --> 0:18:12.520
<v Speaker 1>this cycle doesn't yield a healthy embryo, that we do

0:18:12.600 --> 0:18:14.920
<v Speaker 1>have one that we can implant and pray, pray, pray, pray,

0:18:14.960 --> 0:18:17.080
<v Speaker 1>pray over it and not go anywhere and stay home

0:18:17.080 --> 0:18:20.320
<v Speaker 1>and relax and utsa and yeah.

0:18:20.359 --> 0:18:24.320
<v Speaker 2>But I just think they are goddamn superhero because that

0:18:24.440 --> 0:18:28.000
<v Speaker 2>it just I mean. And you know, and I've been

0:18:28.080 --> 0:18:31.240
<v Speaker 2>following Amy Schumer and I know she's going through She's

0:18:31.280 --> 0:18:33.480
<v Speaker 2>like sharing her IVF journey right now, and she's like,

0:18:33.480 --> 0:18:36.040
<v Speaker 2>first of all, her Instagram page is hilarious. She's like

0:18:36.119 --> 0:18:40.800
<v Speaker 2>the raw real motherhood anyway. But like the work that

0:18:41.320 --> 0:18:45.000
<v Speaker 2>you're doing and so many women are doing too to

0:18:45.080 --> 0:18:49.679
<v Speaker 2>have children, Like it's it's extraordinary and I want it for.

0:18:49.800 --> 0:18:53.080
<v Speaker 1>You so bad and also you're going through it like

0:18:53.119 --> 0:18:54.960
<v Speaker 1>you know, I know sometimes like the secret shame and

0:18:55.040 --> 0:18:58.879
<v Speaker 1>sometimes you just I share because and what I love honestly,

0:18:58.880 --> 0:19:02.480
<v Speaker 1>ib our listens are so awesome because nobody hits me

0:19:02.640 --> 0:19:05.120
<v Speaker 1>in the DMS and says, so it's got all the baby,

0:19:05.160 --> 0:19:07.680
<v Speaker 1>So it's gonna because you guys have been so awesome

0:19:07.720 --> 0:19:10.120
<v Speaker 1>in like letting me share when I want to share,

0:19:10.160 --> 0:19:12.080
<v Speaker 1>and then when I don't, leaving it alone because sometimes

0:19:12.119 --> 0:19:14.800
<v Speaker 1>it's too overwhelming. So so honestly, like our listeners been have

0:19:14.880 --> 0:19:19.640
<v Speaker 1>been so so amazing that when I share, they reach out,

0:19:19.720 --> 0:19:21.960
<v Speaker 1>you know, they you know, they ask me questions and

0:19:21.960 --> 0:19:23.520
<v Speaker 1>then when I don't like I said, they leave it.

0:19:23.560 --> 0:19:25.679
<v Speaker 1>And so that's been really great because sometimes it can

0:19:25.720 --> 0:19:29.119
<v Speaker 1>be really like overwhelming, like when someone's asking you know,

0:19:29.200 --> 0:19:30.960
<v Speaker 1>when you're like, especially if you had a really bad

0:19:31.000 --> 0:19:33.040
<v Speaker 1>doubt or you have you got the news, oh you

0:19:33.040 --> 0:19:36.520
<v Speaker 1>need another scar movers surgery, and you're Likejesus, suck how

0:19:36.520 --> 0:19:38.080
<v Speaker 1>many times you have to go down under Naesi? Because

0:19:38.119 --> 0:19:40.639
<v Speaker 1>when you have to go under anesthesia, like put you

0:19:40.680 --> 0:19:42.760
<v Speaker 1>to sleep, and you know that's a risk. Every time

0:19:42.800 --> 0:19:44.400
<v Speaker 1>you get put to sleep, there is a chance you

0:19:44.440 --> 0:19:47.800
<v Speaker 1>will not wake up. And so like it's just you know,

0:19:48.119 --> 0:19:50.040
<v Speaker 1>so some days you have those days and you're like,

0:19:50.880 --> 0:19:52.159
<v Speaker 1>I don't want to freak of talk about it, and

0:19:52.280 --> 0:19:54.639
<v Speaker 1>other days I'm like, I don't mind talking about it

0:19:54.680 --> 0:19:57.399
<v Speaker 1>because I know that somebody out there might need to

0:19:57.440 --> 0:20:00.760
<v Speaker 1>hear it. But yeah, so when when we all have

0:20:00.880 --> 0:20:03.320
<v Speaker 1>this baby, because this is our baby now, when she

0:20:03.520 --> 0:20:07.240
<v Speaker 1>comes or he comes into existence, I swear I'm gonna

0:20:07.240 --> 0:20:09.800
<v Speaker 1>be telling this story to them. They're eighty.

0:20:09.960 --> 0:20:12.320
<v Speaker 2>I let them talk back to you once. That's how

0:20:12.359 --> 0:20:17.160
<v Speaker 2>I feel the first time they give you attitude. Look here,

0:20:17.440 --> 0:20:17.800
<v Speaker 2>you old.

0:20:17.880 --> 0:20:20.000
<v Speaker 1>I know you don't even understand, but let me tell you,

0:20:20.640 --> 0:20:22.800
<v Speaker 1>I worked for two years, longer than your life is

0:20:22.840 --> 0:20:24.840
<v Speaker 1>as existed, to make sure that you were here now.

0:20:25.080 --> 0:20:27.280
<v Speaker 1>But I think about it, but then I still feel

0:20:27.280 --> 0:20:29.439
<v Speaker 1>hope because I found out for my mom that she

0:20:29.640 --> 0:20:33.560
<v Speaker 1>struggled like with having because I'm one of five kids,

0:20:34.119 --> 0:20:36.600
<v Speaker 1>and like they told her before my first sister was born,

0:20:36.640 --> 0:20:38.720
<v Speaker 1>it's not gonna happen for you. Like you you know,

0:20:38.840 --> 0:20:41.520
<v Speaker 1>these are the issues that you're having and she has

0:20:41.640 --> 0:20:44.040
<v Speaker 1>five kids. I'm not trying to have nobody's five kids.

0:20:44.119 --> 0:20:45.919
<v Speaker 1>But I just thought about that. She just reminded me

0:20:45.920 --> 0:20:47.560
<v Speaker 1>of that I didn't know that. I didn't know that

0:20:47.600 --> 0:20:50.199
<v Speaker 1>she had fertility issues and stuff and they told her

0:20:50.240 --> 0:20:52.800
<v Speaker 1>it wasn't gonna happen and her hips were wide enough,

0:20:52.840 --> 0:20:54.879
<v Speaker 1>this other stuff they told her, and like, you know,

0:20:55.080 --> 0:20:59.040
<v Speaker 1>like I'm I'm baby number two or five, So you

0:20:59.080 --> 0:21:00.800
<v Speaker 1>know that at the end of the day, you know,

0:21:01.040 --> 0:21:03.040
<v Speaker 1>doctors don't always have the final say at the end

0:21:03.080 --> 0:21:05.520
<v Speaker 1>of the day. You know, you know your body and

0:21:05.640 --> 0:21:08.320
<v Speaker 1>whatever higher source you believe in that has the final say.

0:21:08.359 --> 0:21:11.200
<v Speaker 1>So I know that's been pretty heavy, but like, actually

0:21:11.200 --> 0:21:12.880
<v Speaker 1>I feel good. I feel I've been wanting to share,

0:21:12.960 --> 0:21:14.479
<v Speaker 1>like kind of like where I was in the journey,

0:21:14.600 --> 0:21:17.400
<v Speaker 1>especially now that I feel like rejuvenated to go back

0:21:17.440 --> 0:21:19.040
<v Speaker 1>to it. I feel in a good space with it,

0:21:19.119 --> 0:21:21.080
<v Speaker 1>Like I didn't want to go back begrudgingly, and I'm

0:21:21.080 --> 0:21:23.800
<v Speaker 1>not so thank you for letting me, Samandra.

0:21:24.359 --> 0:21:27.439
<v Speaker 2>How could I not thank you for sharing? Thank you.

0:22:00.320 --> 0:22:04.720
<v Speaker 1>Now that we baby y'all out, you can ask us

0:22:05.200 --> 0:22:12.800
<v Speaker 1>any question that you may have about career, personal finance, family. Actually,

0:22:12.800 --> 0:22:14.760
<v Speaker 1>a friend of mine asked me a really good question

0:22:15.480 --> 0:22:17.560
<v Speaker 1>about and we should maybe do a show on this, Amandy,

0:22:17.640 --> 0:22:21.440
<v Speaker 1>about how to navigate marriage and money. So a friend

0:22:21.480 --> 0:22:23.840
<v Speaker 1>who's recently got married asked how I was doing it

0:22:23.840 --> 0:22:25.760
<v Speaker 1>with Superman. So I just gave her kind of like

0:22:25.800 --> 0:22:28.680
<v Speaker 1>what we do and you know, but there's no wrong

0:22:28.760 --> 0:22:30.159
<v Speaker 1>or right way. But I think that would just be

0:22:30.160 --> 0:22:32.680
<v Speaker 1>an awesome like marriage and money kind of like.

0:22:32.600 --> 0:22:35.879
<v Speaker 2>A So that's a very broad question.

0:22:36.800 --> 0:22:38.280
<v Speaker 1>M I think we should have that, And if you

0:22:38.280 --> 0:22:40.000
<v Speaker 1>guys have marriage and money questions, to send them in.

0:22:40.080 --> 0:22:43.720
<v Speaker 2>But while you explained, because you know what I thought

0:22:43.760 --> 0:22:44.680
<v Speaker 2>I knew, and.

0:22:46.119 --> 0:22:47.560
<v Speaker 1>No, Mandy, you have to insight.

0:22:47.800 --> 0:22:51.840
<v Speaker 2>Nope, no I don't, No, I don't.

0:22:52.800 --> 0:22:53.560
<v Speaker 1>That's because you have a kid.

0:22:53.600 --> 0:22:56.800
<v Speaker 2>Now, talk about how husband decided that having a baby

0:22:56.840 --> 0:22:58.920
<v Speaker 2>was a good time to get all of his dental

0:22:58.960 --> 0:23:05.080
<v Speaker 2>work done, all of it every other day, gotta get

0:23:05.080 --> 0:23:10.199
<v Speaker 2>another crown. I'm like, how much are these crowns on?

0:23:10.240 --> 0:23:11.080
<v Speaker 1>What's out of your mouth?

0:23:11.880 --> 0:23:13.720
<v Speaker 2>Why don't you brush your teeth for I've been telling

0:23:13.720 --> 0:23:14.720
<v Speaker 2>you for eight years?

0:23:14.800 --> 0:23:15.120
<v Speaker 1>All right?

0:23:15.160 --> 0:23:18.480
<v Speaker 2>Anyway, Yeah, that's a great idea for a show, pro show.

0:23:18.600 --> 0:23:19.720
<v Speaker 2>Let's not tackle it today.

0:23:19.760 --> 0:23:24.360
<v Speaker 1>Because today. So yeah, no, I would love yes. Send

0:23:24.359 --> 0:23:29.080
<v Speaker 1>your questions, send your comments, your concerns to us, and

0:23:29.160 --> 0:23:30.160
<v Speaker 1>Mandy's going to drop them.

0:23:30.240 --> 0:23:33.520
<v Speaker 2>Uh yeah, I'll tell you how to do that. You

0:23:33.600 --> 0:23:36.920
<v Speaker 2>may go to Brannanbision podcast dot com ask us anything there,

0:23:37.040 --> 0:23:39.200
<v Speaker 2>or you can hit us up on Instagram. We are

0:23:39.280 --> 0:23:41.800
<v Speaker 2>at the b Wait No, oh crap, what am I

0:23:41.840 --> 0:23:45.359
<v Speaker 2>Tiffany today? Mommy brain? We are at brann and Vision

0:23:45.400 --> 0:23:50.760
<v Speaker 2>podcast on Instagram and also our email address is Brandnavision

0:23:50.800 --> 0:23:54.160
<v Speaker 2>Podcast at gmail dot com. I had to really work

0:23:54.240 --> 0:23:56.000
<v Speaker 2>hard for that. Wow, it's just not roll off the

0:23:56.000 --> 0:23:58.720
<v Speaker 2>tongue I've you used to. All Right. I do have

0:23:58.760 --> 0:24:01.320
<v Speaker 2>a couple of love like questions thinking one from the email,

0:24:01.359 --> 0:24:06.880
<v Speaker 2>one from the Graham Today. Let's see this one comes

0:24:06.920 --> 0:24:10.240
<v Speaker 2>from Okay. She wants to be called Mispace. Okay, miss Pace,

0:24:10.720 --> 0:24:12.600
<v Speaker 2>She says, love your show. You guys are both my

0:24:12.640 --> 0:24:15.680
<v Speaker 2>besties in my head. I got married in twenty sixteen,

0:24:16.000 --> 0:24:17.880
<v Speaker 2>the year before you guys did, and I'm a few

0:24:17.880 --> 0:24:21.560
<v Speaker 2>weeks from delivering my first baby. Who is she delivered herself?

0:24:22.960 --> 0:24:27.000
<v Speaker 2>That's exciting you all say what I'm thinking and have

0:24:27.040 --> 0:24:31.520
<v Speaker 2>awesome solutions. My question is this I'm a budding entrepreneur, which,

0:24:31.560 --> 0:24:34.440
<v Speaker 2>as you know, means I don't have maternity leave. I've

0:24:34.440 --> 0:24:37.760
<v Speaker 2>been paying into a short term disability coverage policy since

0:24:37.800 --> 0:24:42.360
<v Speaker 2>a year ago under the impression that it covered maternity leave. However,

0:24:42.600 --> 0:24:44.760
<v Speaker 2>I've now found out that I'd only be covered if

0:24:44.760 --> 0:24:47.880
<v Speaker 2>there was a complication in my pregnancy, which means I've

0:24:47.880 --> 0:24:51.000
<v Speaker 2>wasted a year of paying into this policy. After all

0:24:51.040 --> 0:24:53.440
<v Speaker 2>this drama going back and forth, I no longer want

0:24:53.520 --> 0:24:55.440
<v Speaker 2>a policy, and I was thinking if there are other

0:24:55.480 --> 0:24:58.439
<v Speaker 2>ways I can say for future baby number two in

0:24:58.520 --> 0:25:01.800
<v Speaker 2>two years and one questions and suggestion and one of

0:25:01.840 --> 0:25:04.960
<v Speaker 2>suggestions on whether I should do a mutual fund or

0:25:05.040 --> 0:25:08.080
<v Speaker 2>a CD what would be best that would give me

0:25:08.119 --> 0:25:12.600
<v Speaker 2>some decent interest for my money. That's a good So

0:25:12.880 --> 0:25:15.399
<v Speaker 2>the entrepreneur is saving to have a baby. That's an

0:25:15.440 --> 0:25:17.480
<v Speaker 2>interesting comp because you don't have maternity leaves, you have

0:25:17.520 --> 0:25:19.760
<v Speaker 2>to like, yeah, I'm sure you can talk about that.

0:25:20.440 --> 0:25:23.840
<v Speaker 2>But essentially the question is, so, she's about to have

0:25:23.880 --> 0:25:26.320
<v Speaker 2>a baby soon, but she's looking at creating kind of

0:25:26.359 --> 0:25:29.720
<v Speaker 2>some kind of savings fund. I guess that she plans

0:25:29.760 --> 0:25:33.200
<v Speaker 2>to tap into in a couple of years. M h, yeah,

0:25:33.400 --> 0:25:35.600
<v Speaker 2>So the best way to save for that for something

0:25:35.600 --> 0:25:37.840
<v Speaker 2>that would be kind of short term like that. But yeah,

0:25:37.880 --> 0:25:40.160
<v Speaker 2>do you want to talk about what you how you've

0:25:40.160 --> 0:25:42.359
<v Speaker 2>sort of approached it since you've got your own business

0:25:42.359 --> 0:25:45.600
<v Speaker 2>and you're also planning to have a baby.

0:25:46.840 --> 0:25:49.200
<v Speaker 1>Well, what I did was I actually created a fund

0:25:49.320 --> 0:25:50.800
<v Speaker 1>called I call it super Baby because you know I

0:25:50.880 --> 0:25:54.640
<v Speaker 1>call Superman Superman and our bonus daughter, well his daughter,

0:25:54.680 --> 0:25:58.760
<v Speaker 1>my bonest daughter, Supergirl, a Lissa Supergirl. And so I like,

0:25:58.840 --> 0:26:01.719
<v Speaker 1>I started off with jess an online only savings account

0:26:01.760 --> 0:26:03.920
<v Speaker 1>and I named it super Baby, and I just started

0:26:03.920 --> 0:26:08.520
<v Speaker 1>putting money into that online only savings account. And then

0:26:09.200 --> 0:26:11.760
<v Speaker 1>you know, I met with Angelie, my financial planner, and

0:26:11.760 --> 0:26:15.000
<v Speaker 1>she was like, well, let's put this into a mutual

0:26:15.040 --> 0:26:18.480
<v Speaker 1>fund so, you know, so that way it can grow.

0:26:18.640 --> 0:26:21.440
<v Speaker 1>And what I would suggested if you can't know for

0:26:21.480 --> 0:26:23.600
<v Speaker 1>sure obviously when you're gonna get pregnant, but if you

0:26:23.720 --> 0:26:27.840
<v Speaker 1>wanted to create like a like to get a target

0:26:27.920 --> 0:26:29.840
<v Speaker 1>date fund, so let's just say you know you're gonna

0:26:29.840 --> 0:26:32.320
<v Speaker 1>want to start again in two years or two years

0:26:32.359 --> 0:26:35.240
<v Speaker 1>is when you're anticipating the next baby, So picking kind

0:26:35.280 --> 0:26:38.480
<v Speaker 1>of like that year as your target date, and you know,

0:26:38.560 --> 0:26:41.080
<v Speaker 1>putting your money in a mutual fund that's also a

0:26:41.119 --> 0:26:43.479
<v Speaker 1>target date fund, So as you get closer and closer

0:26:43.520 --> 0:26:49.240
<v Speaker 1>to that baby coming to fruition, your money is is

0:26:49.280 --> 0:26:51.840
<v Speaker 1>being preserved, your capital is being preserved because the way

0:26:51.840 --> 0:26:53.679
<v Speaker 1>a target date fund works, I think we mentioned this

0:26:53.880 --> 0:26:56.720
<v Speaker 1>last episode, is that the closer you get to the

0:26:56.720 --> 0:27:01.640
<v Speaker 1>target date, the more conservative your investments automatically rebalance themselves

0:27:01.640 --> 0:27:04.680
<v Speaker 1>to be so that way, when you're ready to take

0:27:04.680 --> 0:27:07.480
<v Speaker 1>the money, you're not in some sort of like riskier

0:27:07.480 --> 0:27:10.919
<v Speaker 1>investment that does yield a risk potential bigger return, but

0:27:10.920 --> 0:27:12.720
<v Speaker 1>at least you know you'll be able to actually take

0:27:12.760 --> 0:27:17.480
<v Speaker 1>the money that's currently they're out fairly safely. So that's

0:27:17.520 --> 0:27:19.399
<v Speaker 1>what I would look for. That's what I've done with

0:27:19.440 --> 0:27:21.679
<v Speaker 1>super Baby is a target Well I haven't done a

0:27:21.680 --> 0:27:23.560
<v Speaker 1>target date fund, but I've done a mutual fund because

0:27:23.560 --> 0:27:25.959
<v Speaker 1>I don't have a target date because I'm not you know,

0:27:26.200 --> 0:27:28.480
<v Speaker 1>who knows where, like what's going to happen for me.

0:27:28.800 --> 0:27:31.800
<v Speaker 1>But that's what I would suggest. And then this current

0:27:31.800 --> 0:27:34.160
<v Speaker 1>when I'm like, uh, how frustrating to have paid into

0:27:34.200 --> 0:27:37.080
<v Speaker 1>something thinking it's one thing and it's like, nah's not,

0:27:37.280 --> 0:27:41.920
<v Speaker 1>which is so crazy. I'm assuming she's with, Yeah.

0:27:41.760 --> 0:27:43.720
<v Speaker 2>I didn't I even know that some policies. I didn't

0:27:43.720 --> 0:27:46.600
<v Speaker 2>even know that short term disability, because you're right, I mean,

0:27:46.640 --> 0:27:48.960
<v Speaker 2>when I went on maternity leave, it's considered a short

0:27:49.040 --> 0:27:51.840
<v Speaker 2>term disability leave, like it's a I'm a disabled person

0:27:51.880 --> 0:27:53.720
<v Speaker 2>and that's kind of what I have to file for whatever.

0:27:54.359 --> 0:27:56.280
<v Speaker 2>So I guess that would make sense. But I didn't realize,

0:27:56.280 --> 0:27:58.320
<v Speaker 2>like if you were buying your own policy, that it

0:27:58.440 --> 0:28:02.199
<v Speaker 2>might cover, like it might pay out for a maternity leave.

0:28:02.240 --> 0:28:03.679
<v Speaker 2>I hadn't heard of that before. Maybe there are some

0:28:03.760 --> 0:28:05.520
<v Speaker 2>policies like that. I don't know, have you heard about

0:28:05.600 --> 0:28:06.359
<v Speaker 2>anything like that?

0:28:07.160 --> 0:28:08.920
<v Speaker 1>No? Actually I had it, Like I mean, I've heard

0:28:09.080 --> 0:28:11.320
<v Speaker 1>of course of short term disability, and I have disability

0:28:11.320 --> 0:28:13.240
<v Speaker 1>like that I pay out of pocket for myself that

0:28:13.359 --> 0:28:15.359
<v Speaker 1>I got like you know, like in my twenties or

0:28:15.400 --> 0:28:19.000
<v Speaker 1>thirties or whatever. But I did I didn't even know

0:28:19.240 --> 0:28:22.400
<v Speaker 1>that disability cover quite honestly, maternity leave or you could

0:28:22.400 --> 0:28:25.520
<v Speaker 1>get disability for maternity leave. So now the question is

0:28:25.560 --> 0:28:30.280
<v Speaker 1>to ask yourself, is is there a policy that definitively

0:28:30.440 --> 0:28:33.800
<v Speaker 1>does cover maternity leave? And to get that, you know,

0:28:33.840 --> 0:28:36.399
<v Speaker 1>to research and find that policy for this for this

0:28:36.560 --> 0:28:40.960
<v Speaker 1>upcoming baby after this first one.

0:28:40.120 --> 0:28:42.600
<v Speaker 2>Even does though you think if she's having the baby soon,

0:28:42.760 --> 0:28:45.160
<v Speaker 2>like would she be able to pay into it for

0:28:45.200 --> 0:28:46.560
<v Speaker 2>such a short amount of time and then be able

0:28:46.600 --> 0:28:50.000
<v Speaker 2>to cash into it. That seems a little like well.

0:28:49.840 --> 0:28:52.239
<v Speaker 1>I was thinking more so like that that that that

0:28:52.280 --> 0:28:53.600
<v Speaker 1>would be for baby too.

0:28:53.920 --> 0:28:57.480
<v Speaker 2>Oh she could say, Oh, you're right. You weren't even

0:28:57.480 --> 0:28:58.920
<v Speaker 2>reading her question, but you woulder stood it.

0:28:58.920 --> 0:29:02.160
<v Speaker 1>There that I did. I'm like two years from now.

0:29:02.160 --> 0:29:04.240
<v Speaker 2>But do you know how the gestation period for one?

0:29:06.120 --> 0:29:09.720
<v Speaker 2>You're right, she's talking about for the next one. Oh ya, girl,

0:29:09.800 --> 0:29:12.440
<v Speaker 2>how do you listen? Take it from me, have the

0:29:12.480 --> 0:29:21.040
<v Speaker 2>first one first, and then because number I have removed

0:29:21.040 --> 0:29:24.840
<v Speaker 2>the number two out of my dictionary, out of my vocabulary,

0:29:24.880 --> 0:29:26.600
<v Speaker 2>I don't even talk about anything that has to do

0:29:26.640 --> 0:29:30.840
<v Speaker 2>with number two anymore. Thanks, So I totally woo okay,

0:29:31.200 --> 0:29:33.880
<v Speaker 2>I'm back on track. Continue, Tiffany, you can run the

0:29:33.880 --> 0:29:34.600
<v Speaker 2>show for the rest.

0:29:34.440 --> 0:29:37.560
<v Speaker 1>Of the show. So that's what I meant about the

0:29:37.600 --> 0:29:41.480
<v Speaker 1>mutual fund, So that would be for baby number two.

0:29:41.640 --> 0:29:45.000
<v Speaker 1>But I would also I would probably do like I said,

0:29:45.000 --> 0:29:47.360
<v Speaker 1>like a target date fund for baby number two, just

0:29:47.400 --> 0:29:49.680
<v Speaker 1>to be ready for baby number two, but for baby

0:29:49.760 --> 0:29:52.120
<v Speaker 1>number one. I would also open up just a mutual

0:29:52.160 --> 0:29:55.560
<v Speaker 1>fund for that baby, just like for future things like college.

0:29:55.560 --> 0:29:57.440
<v Speaker 1>So you can do a target date fund for a

0:29:57.440 --> 0:30:00.200
<v Speaker 1>baby that's coming now baby number one and I have

0:30:00.240 --> 0:30:02.720
<v Speaker 1>the target date be eighteen years from now, seventeen years

0:30:02.720 --> 0:30:04.920
<v Speaker 1>from now, so for college. So both of the baby's

0:30:04.960 --> 0:30:07.960
<v Speaker 1>the one that's currently here basically almost and the baby

0:30:08.000 --> 0:30:10.240
<v Speaker 1>in the future, you can do that for both. But

0:30:10.400 --> 0:30:13.920
<v Speaker 1>now I wanted to just tackle the current disability policy.

0:30:14.360 --> 0:30:17.520
<v Speaker 1>So I don't know for sure what you should do

0:30:17.560 --> 0:30:20.720
<v Speaker 1>with that current disability policy, because one, it might be

0:30:20.760 --> 0:30:24.240
<v Speaker 1>good for other things outside of the baby stuff, which

0:30:24.280 --> 0:30:26.440
<v Speaker 1>is what I know you got it for. At the

0:30:26.560 --> 0:30:29.480
<v Speaker 1>very least, I likely would keep it until after the

0:30:29.560 --> 0:30:33.480
<v Speaker 1>baby comes, because God forbid that there are complications which

0:30:33.480 --> 0:30:36.280
<v Speaker 1>were there's not going to be reclaiming that now, but

0:30:36.360 --> 0:30:39.000
<v Speaker 1>God forbid that something like that that does happen. This

0:30:39.120 --> 0:30:41.240
<v Speaker 1>policy would actually cover that, So I wouldn't want you

0:30:41.320 --> 0:30:44.480
<v Speaker 1>to cancel it before knowing for sure, So that's what

0:30:44.520 --> 0:30:46.360
<v Speaker 1>I would do. I would wait until after baby comes

0:30:46.360 --> 0:30:48.920
<v Speaker 1>and you're healthy and at home and everything's fine, then

0:30:49.000 --> 0:30:51.680
<v Speaker 1>consider cancering that policy and then getting one that's more

0:30:51.720 --> 0:30:54.640
<v Speaker 1>in alignment with what you need, but not before the

0:30:54.640 --> 0:30:58.400
<v Speaker 1>baby comes. So I hope that helps. And congratulations pre.

0:30:58.480 --> 0:31:02.240
<v Speaker 2>Mommy, that's no, that's great. We like and we love

0:31:02.240 --> 0:31:06.640
<v Speaker 2>insurance on this show. We love insurance baby number two.

0:31:06.720 --> 0:31:11.040
<v Speaker 2>Do you hear the background right now? Because it's excellent

0:31:11.080 --> 0:31:15.280
<v Speaker 2>birth control. All right, let's move on to brown Boost,

0:31:15.360 --> 0:31:28.720
<v Speaker 2>Brown Break. We're gonna take a quick break and be right.

0:31:34.440 --> 0:31:39.520
<v Speaker 1>So it's Brad break, Brown booths, brown break, brown boo

0:31:39.920 --> 0:31:43.400
<v Speaker 1>to break. Are you gonna break? Are you gonna not booths?

0:31:43.920 --> 0:31:47.160
<v Speaker 2>I'm gonna do well, I'm gonna do an informational break

0:31:47.240 --> 0:31:50.360
<v Speaker 2>from some kind of like some not great news in

0:31:50.400 --> 0:31:54.040
<v Speaker 2>the credit score world. So last week shock waves went

0:31:54.040 --> 0:31:57.880
<v Speaker 2>through the world. Anytime FIKO changes its credit credit score formula,

0:31:58.960 --> 0:32:01.760
<v Speaker 2>you know, nerds like us get at all in a

0:32:01.800 --> 0:32:05.720
<v Speaker 2>titter about this. But basically what's happening is every once

0:32:05.720 --> 0:32:07.720
<v Speaker 2>in a while, FIKO will look at the way that

0:32:07.760 --> 0:32:10.320
<v Speaker 2>it calculates credit scores and it's been This is not

0:32:10.400 --> 0:32:13.000
<v Speaker 2>the first time it's made changes. I believe a couple

0:32:13.000 --> 0:32:15.120
<v Speaker 2>of years ago it changed the way it treated medical

0:32:15.160 --> 0:32:19.520
<v Speaker 2>debt that actually benefited a lot of people. Before the change,

0:32:19.560 --> 0:32:24.480
<v Speaker 2>if you had medical debt, your score could basically be lower,

0:32:24.560 --> 0:32:27.680
<v Speaker 2>but they treated medical debt a little bit more graciously,

0:32:28.280 --> 0:32:30.640
<v Speaker 2>considering it's medical debt, not something like a credit card,

0:32:30.800 --> 0:32:33.000
<v Speaker 2>you know, which you've racked up yourself. A lot of

0:32:33.000 --> 0:32:35.720
<v Speaker 2>people can't control when they get into medical debt, you know.

0:32:37.000 --> 0:32:39.800
<v Speaker 2>So the most recent change has to do with personal loans,

0:32:39.840 --> 0:32:42.800
<v Speaker 2>which may impact a lot of our listeners because personal loans,

0:32:42.840 --> 0:32:45.200
<v Speaker 2>I know from you know, just working where I work,

0:32:45.400 --> 0:32:48.680
<v Speaker 2>we help people find and compare personal loans. They are

0:32:48.800 --> 0:32:52.040
<v Speaker 2>a hugely popular way to borrow money these days, with

0:32:52.120 --> 0:32:53.800
<v Speaker 2>a personal loan. We talk about them all long time

0:32:53.800 --> 0:32:56.960
<v Speaker 2>on the show, right when we recommend, you know, taking

0:32:57.000 --> 0:32:59.160
<v Speaker 2>out a small personal loan from a credit union or

0:32:59.200 --> 0:33:02.840
<v Speaker 2>from an onlinand or wherever to say, consolidate credit card

0:33:02.840 --> 0:33:05.280
<v Speaker 2>debt if you can get a lower credit, if you

0:33:05.280 --> 0:33:08.440
<v Speaker 2>can get a lower interest rate on a personal loan,

0:33:08.480 --> 0:33:10.200
<v Speaker 2>you know, you can use that loan to pay off

0:33:10.280 --> 0:33:13.080
<v Speaker 2>higher interest debt and then you have one loan. Personal

0:33:13.120 --> 0:33:16.360
<v Speaker 2>loans are great because they're fixed, you know, fixed monthly payments,

0:33:16.720 --> 0:33:18.880
<v Speaker 2>and they're fixed aprs, they don't go up and down,

0:33:19.320 --> 0:33:21.280
<v Speaker 2>and you have a fixed repayment term, so you know

0:33:21.920 --> 0:33:25.960
<v Speaker 2>when the end is coming. But what's happened now is

0:33:26.000 --> 0:33:29.640
<v Speaker 2>with the with the new FICO changes. Apparently, if you

0:33:29.760 --> 0:33:31.959
<v Speaker 2>use personal loans in that way to pay off all

0:33:31.960 --> 0:33:35.000
<v Speaker 2>your credit card, all your credit cards in the past,

0:33:35.000 --> 0:33:39.480
<v Speaker 2>that would immediately probably impact your score beneficially because you've

0:33:39.480 --> 0:33:41.760
<v Speaker 2>gotten rid of a bunch of high interest debt and

0:33:41.800 --> 0:33:45.560
<v Speaker 2>you've now got a fixed Damn it. I knew I

0:33:45.640 --> 0:33:47.440
<v Speaker 2>was going to get this wrong because the momy brain. Oh,

0:33:47.520 --> 0:33:51.920
<v Speaker 2>installment loan. Yes, you've got installment debt versus high interest

0:33:52.040 --> 0:33:54.920
<v Speaker 2>revolving debt like a credit Yes, that's why your credit

0:33:55.000 --> 0:33:57.960
<v Speaker 2>score can get boosted by consolidating with a personal loan.

0:33:58.440 --> 0:34:01.880
<v Speaker 2>Under the new formula, FIKO will look back. This is

0:34:01.920 --> 0:34:04.560
<v Speaker 2>according to NPR, FYCO will look back over a period

0:34:04.600 --> 0:34:07.160
<v Speaker 2>of time as far as two years to see whether

0:34:07.200 --> 0:34:09.399
<v Speaker 2>you've used the loan to reduce your high interest credit

0:34:09.480 --> 0:34:12.359
<v Speaker 2>card debt or whether you're using credit cards as much

0:34:12.400 --> 0:34:15.640
<v Speaker 2>as you were before, running up new revolving balances and

0:34:15.719 --> 0:34:20.400
<v Speaker 2>falling deeper into debt. So this is really important because

0:34:20.440 --> 0:34:22.880
<v Speaker 2>we find again you know, lending Tree my company, we

0:34:22.920 --> 0:34:25.440
<v Speaker 2>look at, you know, how do people use personal loans?

0:34:25.480 --> 0:34:28.680
<v Speaker 2>And often you do find people because they have that

0:34:28.840 --> 0:34:31.919
<v Speaker 2>sense of oh, I've gotten this personal loan, I've paid

0:34:31.920 --> 0:34:34.480
<v Speaker 2>off my credit cards. They feel like they're debt free

0:34:34.480 --> 0:34:36.680
<v Speaker 2>all of a sudden, like the pressure is off, but

0:34:36.719 --> 0:34:39.640
<v Speaker 2>you're not. You still have the debt. It's just costing

0:34:39.680 --> 0:34:41.160
<v Speaker 2>you less. It's in a different form.

0:34:41.280 --> 0:34:43.000
<v Speaker 1>Yeah, And because.

0:34:42.680 --> 0:34:44.560
<v Speaker 2>You have that sense of like, oh, I'm getting on

0:34:44.600 --> 0:34:46.479
<v Speaker 2>top of my finances, you're like, oh, I'm gonna treat

0:34:46.480 --> 0:34:48.799
<v Speaker 2>myself to this at them all or I'm gonna why

0:34:48.840 --> 0:34:50.839
<v Speaker 2>not take out that new credit card when I you know,

0:34:50.920 --> 0:34:53.320
<v Speaker 2>check out at the Gap or at Kohl's or whatever,

0:34:53.719 --> 0:34:56.479
<v Speaker 2>And before you know it, you haven't fixed the bad

0:34:56.520 --> 0:35:00.080
<v Speaker 2>habits and you have additional credit card debts. So this

0:35:00.160 --> 0:35:03.000
<v Speaker 2>is what that seems like. The FYCO formulas trying to

0:35:03.000 --> 0:35:08.120
<v Speaker 2>get smarter, which makes sense, to not get to look

0:35:08.160 --> 0:35:10.400
<v Speaker 2>at how people and what they're doing after they consolidate

0:35:10.400 --> 0:35:12.680
<v Speaker 2>their with their credit card debt with they personal loan,

0:35:13.640 --> 0:35:16.520
<v Speaker 2>and you can potentially get dinged if you continue racking

0:35:16.560 --> 0:35:17.120
<v Speaker 2>up debt.

0:35:18.080 --> 0:35:21.720
<v Speaker 1>So it's like good for like the medical debt stuff,

0:35:21.719 --> 0:35:24.800
<v Speaker 1>but then maybe not so good with the consolidating personal

0:35:24.800 --> 0:35:25.600
<v Speaker 1>loan debt.

0:35:26.000 --> 0:35:28.080
<v Speaker 2>It's good if you I mean honestly it's still a

0:35:28.120 --> 0:35:30.960
<v Speaker 2>great tool to use to consolidate debt. You know, I'd

0:35:31.000 --> 0:35:33.160
<v Speaker 2>still recommend it as you can get a if you

0:35:33.200 --> 0:35:35.160
<v Speaker 2>can get a lower interest rate than what your credit

0:35:35.200 --> 0:35:38.440
<v Speaker 2>cards have, it totally makes sense. The only thing is

0:35:38.600 --> 0:35:41.800
<v Speaker 2>just be mindful that if you continue racking up credit

0:35:41.800 --> 0:35:44.640
<v Speaker 2>card debt after you've used that personal loan to consolidate,

0:35:44.680 --> 0:35:48.000
<v Speaker 2>FICO will take note of that looking back as far

0:35:48.080 --> 0:35:51.000
<v Speaker 2>as two years, and the boost you may get from

0:35:51.040 --> 0:35:55.400
<v Speaker 2>and from consolidating that debt with a personal loan. Maybe

0:35:55.440 --> 0:35:57.680
<v Speaker 2>count your race. Yeah, I don't know about a race.

0:35:57.800 --> 0:35:59.560
<v Speaker 2>It doesn't say like how we're you know, it's really

0:35:59.560 --> 0:36:02.120
<v Speaker 2>difficult to judge how and what how much of a

0:36:02.160 --> 0:36:04.880
<v Speaker 2>score will go up or down, but it will definitely

0:36:05.120 --> 0:36:07.239
<v Speaker 2>ding you if you go back and start racking up

0:36:07.239 --> 0:36:10.680
<v Speaker 2>credit card debt after you've you set loan to consolidate.

0:36:11.040 --> 0:36:14.960
<v Speaker 1>So to know, yeah, so this is good. So you're right.

0:36:15.000 --> 0:36:17.279
<v Speaker 1>This is like some someplace in between brom boosts and

0:36:17.320 --> 0:36:20.960
<v Speaker 1>broad break. So it's like, you know, I know, no, no,

0:36:21.000 --> 0:36:22.759
<v Speaker 1>it's good though. We have to know because I mean

0:36:22.800 --> 0:36:27.600
<v Speaker 1>that the way you navigate with your credit is, you know,

0:36:27.640 --> 0:36:31.000
<v Speaker 1>it's critical you need credit in this country. You know,

0:36:31.120 --> 0:36:33.400
<v Speaker 1>it can prevent you from getting a home, it can

0:36:33.440 --> 0:36:35.640
<v Speaker 1>prevent you from getting a job, it can prevent you

0:36:35.800 --> 0:36:39.680
<v Speaker 1>from getting utilities turned on. So it's important that you know,

0:36:40.000 --> 0:36:41.160
<v Speaker 1>you know all these things, like you know, I know,

0:36:41.200 --> 0:36:43.040
<v Speaker 1>there's like this brigade of like we don't need credit.

0:36:43.080 --> 0:36:47.360
<v Speaker 1>I'm like, sis, do you live in the usbay because

0:36:47.480 --> 0:36:49.640
<v Speaker 1>you indeed do. You don't have to have like, you know,

0:36:49.760 --> 0:36:52.080
<v Speaker 1>like a ton of credit, but you have to have

0:36:52.080 --> 0:36:55.359
<v Speaker 1>some credit history as an adult unless you're not you're

0:36:55.360 --> 0:36:58.560
<v Speaker 1>purchasing everything with cash, which is definitely possible, but the

0:36:58.600 --> 0:37:01.200
<v Speaker 1>average person is not able to purchase everything with cash.

0:37:01.239 --> 0:37:04.560
<v Speaker 1>And and even then you might have a job that's like Okay,

0:37:04.600 --> 0:37:07.360
<v Speaker 1>you proaches your house, your car, your close everything with cash,

0:37:07.480 --> 0:37:09.200
<v Speaker 1>and your job's like that's cute, but we need to

0:37:09.200 --> 0:37:11.360
<v Speaker 1>see your credit score to see if this is a

0:37:11.400 --> 0:37:14.279
<v Speaker 1>position that we could trust you with. And so there's

0:37:14.320 --> 0:37:18.279
<v Speaker 1>nothing that you can do to side step that. So yeah,

0:37:18.320 --> 0:37:22.239
<v Speaker 1>so credit is still an important component of adulting financially,

0:37:22.280 --> 0:37:25.640
<v Speaker 1>So just keeping that in mind. Oh that was good.

0:37:26.000 --> 0:37:29.960
<v Speaker 1>So I'm actually going to brown Boost. So have you

0:37:30.000 --> 0:37:34.440
<v Speaker 1>heard of Unique? Her name is Unique Jones. She is Well,

0:37:34.480 --> 0:37:36.239
<v Speaker 1>I'm sure you've heard of because of them we can?

0:37:37.080 --> 0:37:39.240
<v Speaker 2>Yes, yes, I love the Instagram account.

0:37:39.520 --> 0:37:42.880
<v Speaker 1>Yes, right, so positive, so amazing, so delightful. If you

0:37:42.920 --> 0:37:46.760
<v Speaker 1>don't follow literally at because of them you can. And

0:37:46.800 --> 0:37:49.399
<v Speaker 1>so what's so great about because of them you can?

0:37:50.000 --> 0:37:51.919
<v Speaker 1>Is that Unique? I mean especially it's Black History Months,

0:37:51.920 --> 0:37:54.440
<v Speaker 1>so she really celebrates like black excellence and all its

0:37:54.480 --> 0:38:02.520
<v Speaker 1>amazing forms. But Unique recently launched something called culture Tags.

0:38:03.160 --> 0:38:07.000
<v Speaker 1>And the way culture tax works is that it's a

0:38:07.760 --> 0:38:09.480
<v Speaker 1>it's a game, you know how like you ever see

0:38:09.520 --> 0:38:11.880
<v Speaker 1>like people be like T B A to be honest

0:38:12.360 --> 0:38:16.160
<v Speaker 1>or like, you know, it's like get the f out

0:38:16.160 --> 0:38:18.680
<v Speaker 1>of here, G F O T, you know what I mean.

0:38:18.719 --> 0:38:22.360
<v Speaker 1>So she literally created this really fun game where s

0:38:22.440 --> 0:38:25.000
<v Speaker 1>O T. Sorry, yeah, yeah, I'm gonna get the wait

0:38:25.520 --> 0:38:27.960
<v Speaker 1>g T G T because you.

0:38:27.920 --> 0:38:31.319
<v Speaker 2>Don't because you don't curse, you're a little rusty. Where

0:38:31.400 --> 0:38:35.040
<v Speaker 2>is the F go? I know where it goes, but.

0:38:35.080 --> 0:38:37.880
<v Speaker 1>I gotta call you know, he's a potty mouth and

0:38:37.920 --> 0:38:38.919
<v Speaker 1>so I.

0:38:38.880 --> 0:38:43.719
<v Speaker 3>Respect that and so so but it's a fun game

0:38:43.840 --> 0:38:46.200
<v Speaker 3>where the purpose of the game is that you have

0:38:46.239 --> 0:38:49.160
<v Speaker 3>a timer and then you hold up the like you know,

0:38:49.200 --> 0:38:52.120
<v Speaker 3>the acronym is that that's an acronym, right, is that right?

0:38:52.880 --> 0:38:53.200
<v Speaker 1>Yeah?

0:38:53.320 --> 0:38:55.960
<v Speaker 2>I don't know what you call them in the you know,

0:38:56.040 --> 0:38:57.759
<v Speaker 2>for text messaging beyond acronym.

0:38:57.840 --> 0:39:00.480
<v Speaker 1>Sure, So baby, it's basically what's she calls them? Just

0:39:00.520 --> 0:39:03.400
<v Speaker 1>a hashtag and so you hold up the hashtag and

0:39:03.440 --> 0:39:05.400
<v Speaker 1>you have a certain amount of time to guess what

0:39:05.480 --> 0:39:07.600
<v Speaker 1>it is. And what I really love is that she

0:39:07.760 --> 0:39:11.720
<v Speaker 1>has categories. So she's like categories Church, categories black Mama,

0:39:11.880 --> 0:39:14.640
<v Speaker 1>because they have one where it's like do you have

0:39:14.719 --> 0:39:17.880
<v Speaker 1>McDonald's money, which is hilarious. So I love that she

0:39:18.000 --> 0:39:20.880
<v Speaker 1>breaks it down into culturally relevant things for black culture.

0:39:21.480 --> 0:39:23.319
<v Speaker 1>And then you have to guess what the hashtag is.

0:39:23.400 --> 0:39:28.080
<v Speaker 1>And if you go to culture tags at culture tags

0:39:28.120 --> 0:39:30.400
<v Speaker 1>on Instagram, you can see like videos and people playing

0:39:30.600 --> 0:39:33.640
<v Speaker 1>and it's so it looks so fun. And I share

0:39:33.680 --> 0:39:38.279
<v Speaker 1>this because Unique just launched a Kickstarter to bring this

0:39:38.360 --> 0:39:41.440
<v Speaker 1>game to life. I think she was asking for fifteen thousand.

0:39:41.560 --> 0:39:45.120
<v Speaker 1>As of right now, she already has twenty two thousand dollars,

0:39:45.480 --> 0:39:49.280
<v Speaker 1>and if she reaches like thirty five thousand, she gives

0:39:49.280 --> 0:39:52.319
<v Speaker 1>like additional gifts to people who've donated, so I think

0:39:52.400 --> 0:39:54.319
<v Speaker 1>she still has another like twenty days or something to go.

0:39:54.400 --> 0:39:56.560
<v Speaker 1>She got fully funded day one, but she's like, look

0:39:56.560 --> 0:39:58.440
<v Speaker 1>if they get even more funding and mean even more

0:39:58.480 --> 0:40:02.520
<v Speaker 1>goodies for people who have back it, I highly suggest.

0:40:02.760 --> 0:40:06.280
<v Speaker 1>Like I love games, and so I have like taboo

0:40:06.280 --> 0:40:09.000
<v Speaker 1>at the house. We have uno, we play cards, so

0:40:09.200 --> 0:40:12.000
<v Speaker 1>I literally have like a game closet because as a kid,

0:40:12.000 --> 0:40:13.520
<v Speaker 1>we always play games as when I was a kid.

0:40:13.560 --> 0:40:15.440
<v Speaker 1>So I love having games in the house so when

0:40:15.440 --> 0:40:18.520
<v Speaker 1>friends come over, we can have fun. So I backed

0:40:18.560 --> 0:40:21.080
<v Speaker 1>the project so I can get like the game in

0:40:21.080 --> 0:40:23.000
<v Speaker 1>my house. But honestly, what I tell you, like looking

0:40:23.000 --> 0:40:25.239
<v Speaker 1>at the videos of live people playing it, it looks

0:40:25.320 --> 0:40:30.480
<v Speaker 1>so much fun. I cannot wait to play. So it's called.

0:40:30.320 --> 0:40:33.319
<v Speaker 2>Culture tags culture Okay, So.

0:40:33.480 --> 0:40:35.040
<v Speaker 1>What you can do is you can go to kickstarter

0:40:35.120 --> 0:40:37.799
<v Speaker 1>dot com and just like typing culture tags and it

0:40:37.800 --> 0:40:40.320
<v Speaker 1>should come up. Or you can just go to culture

0:40:40.360 --> 0:40:43.799
<v Speaker 1>tags on ig and like and in the culture tag

0:40:43.880 --> 0:40:46.440
<v Speaker 1>like a you could pre order the game be a Kickstarter,

0:40:46.640 --> 0:40:48.319
<v Speaker 1>like the link is in her ig bio in the

0:40:48.320 --> 0:40:52.160
<v Speaker 1>culture tag ig bio. But yeah, honestly, it just looks

0:40:52.160 --> 0:40:54.440
<v Speaker 1>like so much fun and like like like.

0:40:54.560 --> 0:40:57.560
<v Speaker 2>Got McDonald's money. It kind of reminds me of like

0:40:57.560 --> 0:40:59.359
<v Speaker 2>I'm kind of like getting a sense of like black

0:40:59.400 --> 0:41:03.479
<v Speaker 2>Jeopardy from the category is we got food at home?

0:41:04.320 --> 0:41:08.920
<v Speaker 1>Literally like that right, Like how fun is that? And

0:41:08.960 --> 0:41:10.480
<v Speaker 1>so like, like I said, I love the fact that

0:41:10.520 --> 0:41:14.000
<v Speaker 1>she breaks down the categories like you know, like things

0:41:14.040 --> 0:41:17.440
<v Speaker 1>black moms say, black church, and so like, you know,

0:41:17.480 --> 0:41:20.000
<v Speaker 1>it's just she just said that because I spoke to

0:41:20.120 --> 0:41:21.960
<v Speaker 1>like we were like messaging back and forth, and she

0:41:21.960 --> 0:41:26.000
<v Speaker 1>said she created it because she was inspired by black Twitter,

0:41:26.040 --> 0:41:29.120
<v Speaker 1>because you know, black Twitter is hilarious and they have

0:41:29.360 --> 0:41:32.279
<v Speaker 1>just created such an amazing like, well we have this

0:41:32.360 --> 0:41:36.000
<v Speaker 1>amazing black culture that black Twitter really just displays just

0:41:36.040 --> 0:41:38.319
<v Speaker 1>how funny, how sharp, how witty we are, whitty we are.

0:41:38.520 --> 0:41:41.040
<v Speaker 1>And she noticed that like we were using like these

0:41:41.080 --> 0:41:43.280
<v Speaker 1>hashtags in such a way that it was just hilarious

0:41:43.280 --> 0:41:46.560
<v Speaker 1>that like, especially if you're black, they especially mean something

0:41:46.600 --> 0:41:48.319
<v Speaker 1>to you because it's just certain ways that we talk

0:41:48.360 --> 0:41:50.920
<v Speaker 1>and that we are. And she was like, like one

0:41:50.920 --> 0:41:53.200
<v Speaker 1>of my favorites in the video. So it's like, uh,

0:41:53.400 --> 0:41:56.000
<v Speaker 1>I think it's like I forget the category. I think

0:41:56.000 --> 0:41:57.840
<v Speaker 1>the category is like black man or something like that,

0:41:58.520 --> 0:42:00.440
<v Speaker 1>and it's like you know what men say when they

0:42:00.480 --> 0:42:02.839
<v Speaker 1>see each other, and I forget the acronym don't get

0:42:02.920 --> 0:42:06.000
<v Speaker 1>me to asking, but it's like, oh, this is I've

0:42:06.040 --> 0:42:07.760
<v Speaker 1>seen Jerrelle do this with like with like his friends,

0:42:07.800 --> 0:42:09.640
<v Speaker 1>Like you know, his friends will say like, how you doing.

0:42:09.719 --> 0:42:11.520
<v Speaker 1>He's like, man, just trying to get like you. So

0:42:11.600 --> 0:42:15.520
<v Speaker 1>it's like just j T G. You know, I would

0:42:15.640 --> 0:42:17.560
<v Speaker 1>never think of that because I'm like, I'm not a dude,

0:42:17.680 --> 0:42:19.520
<v Speaker 1>but I like all the men in the audience when

0:42:19.520 --> 0:42:22.080
<v Speaker 1>they played were like Rory and they all knew what

0:42:22.160 --> 0:42:24.600
<v Speaker 1>it was. And man, it just looks like a fun game.

0:42:24.680 --> 0:42:27.239
<v Speaker 1>Unique is like a rock star. I don't know how

0:42:27.280 --> 0:42:30.720
<v Speaker 1>she developed this, created it. It looks the game itself

0:42:30.760 --> 0:42:32.839
<v Speaker 1>looks like you could buy this game at Target from

0:42:32.880 --> 0:42:37.359
<v Speaker 1>Milton Bradley, Like it already looks so well polished. So yeah,

0:42:37.400 --> 0:42:39.560
<v Speaker 1>so I'm just sharing that because I think we you know,

0:42:39.600 --> 0:42:42.440
<v Speaker 1>we we love black and Brown excellenteer at Brown Ambition,

0:42:42.560 --> 0:42:45.120
<v Speaker 1>and you know Unique has already displayed that with because

0:42:45.120 --> 0:42:47.160
<v Speaker 1>of them, we can. But now with culture tags, you

0:42:47.160 --> 0:42:50.719
<v Speaker 1>can bring a little more culture and fun into your home. Kickstarter.

0:42:51.040 --> 0:42:52.920
<v Speaker 1>Just go to culture tag and like I said, I

0:42:53.320 --> 0:42:55.799
<v Speaker 1>read across it and I was like, oh and I

0:42:55.960 --> 0:42:58.120
<v Speaker 1>ordered it, and yeah, I'm just excited. So I figured

0:42:58.120 --> 0:42:59.799
<v Speaker 1>I share because I have my own kickstarted coming up,

0:42:59.840 --> 0:43:02.960
<v Speaker 1>so I'm extra hyper sensitive to supporting other people in

0:43:02.960 --> 0:43:04.200
<v Speaker 1>their kickstarter journey.

0:43:04.719 --> 0:43:08.120
<v Speaker 2>Yes, gets like a kickstarter a juju out there? Good energy.

0:43:09.760 --> 0:43:12.200
<v Speaker 2>Now that sounds so much fun. Awesome. All right, I'm

0:43:12.239 --> 0:43:16.600
<v Speaker 2>gonna go play a game of Catch the Screaming Baby. Yeah,

0:43:16.680 --> 0:43:22.839
<v Speaker 2>let see who wins. Usually nobody but the baby. Ah,

0:43:23.719 --> 0:43:25.839
<v Speaker 2>melatonin or two so I can get some shut eye.

0:43:25.960 --> 0:43:27.000
<v Speaker 2>It's gonna be a good night.

0:43:27.680 --> 0:43:31.160
<v Speaker 1>Like girl that meltone. I told Carol about it. She's

0:43:31.200 --> 0:43:33.680
<v Speaker 1>a girl. Thank you. These gummies are everything.

0:43:34.080 --> 0:43:36.720
<v Speaker 2>Oh they had gummies. I'm using like an expired bottle

0:43:36.760 --> 0:43:38.560
<v Speaker 2>that I forgot. I had my friend because I was

0:43:38.560 --> 0:43:40.800
<v Speaker 2>complaining about my friends like use of melatonin.

0:43:40.840 --> 0:43:43.360
<v Speaker 1>I'm like, oh, yeah, like because I honestly, I'm not

0:43:43.360 --> 0:43:45.279
<v Speaker 1>really good with pills. So whenever possible, I try to

0:43:45.280 --> 0:43:46.920
<v Speaker 1>take a gummy of any pill that I need to take,

0:43:46.920 --> 0:43:48.400
<v Speaker 1>if possible orchewable.

0:43:48.560 --> 0:43:51.480
<v Speaker 2>Yeah, can consult your medical professional. I'm not endorsing any

0:43:51.680 --> 0:43:55.120
<v Speaker 2>you know, but for me, melatonin expired from May twenty nineteen.

0:43:55.360 --> 0:43:59.520
<v Speaker 2>Does a truck make I refuse to buy a new

0:43:59.520 --> 0:44:03.520
<v Speaker 2>bottles cheap? How many I've been you should see my

0:44:03.560 --> 0:44:06.960
<v Speaker 2>search history. How many melatonin do you need to take?

0:44:07.160 --> 0:44:08.640
<v Speaker 2>If it's expound like that.

0:44:10.440 --> 0:44:10.640
<v Speaker 3>Here?

0:44:10.800 --> 0:44:15.200
<v Speaker 1>So I should be okay. Oh but honestly, look like

0:44:15.239 --> 0:44:17.320
<v Speaker 1>looking at you give me like you know from Afar,

0:44:17.840 --> 0:44:19.560
<v Speaker 1>Like you know, I'm not even a hugger, but I've

0:44:19.560 --> 0:44:20.160
<v Speaker 1>been hugging you a.

0:44:20.200 --> 0:44:23.480
<v Speaker 2>Lot from Afar And yeah, thank you. I need it,

0:44:23.600 --> 0:44:26.040
<v Speaker 2>Yeah I need it. But this has been you know.

0:44:26.239 --> 0:44:29.480
<v Speaker 2>It's like I said, this show actually helps. It helps

0:44:29.520 --> 0:44:31.359
<v Speaker 2>me force my husband to take care of the baby

0:44:31.400 --> 0:44:33.880
<v Speaker 2>once in a while so I can do something for me.

0:44:34.200 --> 0:44:36.600
<v Speaker 2>And it is work, but it's work that feeds me.

0:44:36.680 --> 0:44:40.120
<v Speaker 2>It makes me feel like myself, so I don't mind it.

0:44:40.160 --> 0:44:42.319
<v Speaker 2>I don't want people to worry that I'm like over

0:44:42.360 --> 0:44:45.800
<v Speaker 2>exerting myself or you know whatever, being unhealthy by pushing

0:44:45.800 --> 0:44:49.279
<v Speaker 2>myself to do the show. It actually it actually makes

0:44:49.280 --> 0:44:51.680
<v Speaker 2>me feel good to do the show, and I wouldn't

0:44:51.719 --> 0:44:54.320
<v Speaker 2>be doing it if it didn't. And if it starts

0:44:54.320 --> 0:44:56.040
<v Speaker 2>to not feel good, I won't do it. So thank

0:44:56.080 --> 0:44:58.960
<v Speaker 2>you guys for for a period of time. So thank

0:44:59.000 --> 0:45:03.640
<v Speaker 2>you guys for giving me that space. No, but this

0:45:03.800 --> 0:45:05.799
<v Speaker 2>is it's good. But do let me go because I

0:45:05.840 --> 0:45:07.520
<v Speaker 2>just got you gotta check your text tip, but I

0:45:07.560 --> 0:45:09.120
<v Speaker 2>texted you was strange, shot him what I just got

0:45:09.120 --> 0:45:22.960
<v Speaker 2>for my husband. So SOS, we need you. Okay, bye,