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Speaker 1: Hey, hey, hey, I'm back. We're black, We're brown. It's Tiffany.

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Speaker 2: Hey, guys, happy brown ambition Wednesday. It's Mandy.

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Speaker 1: Yeah, so my dad about last week, guys, I was

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Speaker 1: on a plane and I miscalculated that pst to ees

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Speaker 1: T is a tricky one.

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Speaker 2: They don't need to know that we messed up. Well,

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Speaker 2: we meant to do a rerun last week. It wasn't

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Speaker 2: at all because Tiffany screwed up.

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Speaker 1: The schedule right six in the morning. So I was like, oh, Mandy,

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Speaker 1: see this before I get on this flight.

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Speaker 2: Guilty concience, you have to like mess up.

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Speaker 1: I do. I do feel guilty. I was like, next,

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Speaker 1: I feel like I was just away and now then

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Speaker 1: I was gone again. That's okay.

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Speaker 2: We're human beings, fear.

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Speaker 1: Not well, So what's new? And in the in the

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Speaker 1: world of Molly and Molly and then I'm gonna call

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Speaker 1: you and and husband Molly and.

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Speaker 2: Then Molly nam Oh, Molly's naughty. She got out of

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Speaker 2: the fence yesterday and my husband didn't notice. He was

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Speaker 2: out there doing some yard work. And I usually track

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Speaker 2: her on the nest cam. I'll have the app up

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Speaker 2: and I'll just like check in on her and make

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Speaker 2: sure that she's not up to any good, any you know, wrongdoing.

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Speaker 2: But since my husband was out there, I was like, oh,

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Speaker 2: there's an adult presence, so I'll just you know, meanwow,

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Speaker 2: watch this rerun of Game of Thrones and relaxed. And

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Speaker 2: then I checked and I didn't see her. And I

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Speaker 2: and usually if you shake the treat jar, she'll come,

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Speaker 2: but she didn't come. And next thing I know, I

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Speaker 2: hear my husband yelling her name and she's across the

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Speaker 2: street and it's just like my It's like, it's my

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Speaker 2: biggest fear is that she's going to get out. I

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Speaker 2: don't know if you guys have this the app called

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Speaker 2: next door, which is this new it's like a yeah, yeah,

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Speaker 2: we do yeah, and you can sign on in your

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Speaker 2: neighborhood and people people like, we'll post sayings like, you know,

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Speaker 2: for things for sale or we're looking for a housekeeper

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Speaker 2: or something like that. But what people posted my neighborhood

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Speaker 2: is a lot of lost dogs, and I'm always like,

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Speaker 2: oh god, you know, if that was me, I would die.

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Speaker 2: So my name came home, happy as can be herself,

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Speaker 2: just thrill.

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Speaker 1: I had a good time well in my neighborhood. People

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Speaker 1: are petty with next door. One lady posted case of

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Speaker 1: water stolen on front porch, then found half drink, not sure, cries.

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Speaker 1: I'm like, oh my god, really like I'll get another case.

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Speaker 1: They post all the petty things on my next Dora app. Well,

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Speaker 1: I'm glad that I know. That is very strange, because yeah,

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Speaker 1: I'm like, I suspect it was just a bunch of teenagers, like,

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Speaker 1: you know, doing some slight vandalism, like let me take

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Speaker 1: this water and pour it out. Yeah, the utes, the utes.

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Speaker 1: Then speaking of my neighborhood, Oh my god, we're rounding

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Speaker 1: the bend. Just this is the month we'll move in.

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Speaker 1: And now we have to buy I know, but we

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Speaker 1: have to buy appliances. And I'm not gonna lie. It's

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Speaker 1: killing me slowly quickly. Actually, it's killing me quickly.

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Speaker 2: Choosing too many options.

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Speaker 1: Oh my god. You know what it is. Well, one

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Speaker 1: I've got I have like a microwave cabinet, you know,

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Speaker 1: like there's a little space. But who knew that people

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Speaker 1: don't put microwaves on the counter anymore.

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Speaker 2: I didn't know you can't have that. That's no, we

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Speaker 2: don't do that.

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Speaker 1: Everyone was like yes, everyone was like, oh, Tiffany no,

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Speaker 1: and I was like, what, okay, trash? So we got

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Speaker 1: the problem is is that like that the specifications of

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Speaker 1: this like this like microwave box, it's really it's not typical.

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Speaker 1: And so I finally found a microwave that will fit perfectly,

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Speaker 1: but it's not part of a suite that I want

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Speaker 1: to be all the way honest. Like I've read that

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Speaker 1: GE the refrigerators are like are trash because they're so loud,

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Speaker 1: and I'm like, I don't want a loud refrigerator.

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Speaker 2: Can't have that.

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Speaker 1: Yeah, So but I heard Whirlpool has really great refrigerator.

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Speaker 1: So after doing research, I found this to be true.

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Speaker 1: Like consumer reports, everyone's saying they're great. You know, they

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Speaker 1: had the least amount of incidents as far as being

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Speaker 1: returned and YadA, YadA, YadA. But then I'm like, oh

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Speaker 1: so now my GE refrigerator, will the stainless steel match

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Speaker 1: my my GE microwave, will the stainless steel match my willproof?

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Speaker 2: Like you here yourself, this is like so one percent,

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Speaker 2: Oh my god, my appliance.

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Speaker 1: And then it's so hard because you're like because then

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Speaker 1: you're like, how much is too much? Like I had

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Speaker 1: to reel myself in I'm like, Tiffany, are we really

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Speaker 1: looking at thirty five hundred dollars refrigerators? No.

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Speaker 2: It escalates very quickly, especially and you know what got

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Speaker 2: us is that delivery. Like you want something, it's available,

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Speaker 2: you order it, you get excited, and then it's like

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Speaker 2: not available until like two months from when you order it,

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Speaker 2: and then you're like looking at the more expensive model

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Speaker 2: because you want it. You need a fridge. We ran

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Speaker 2: into that exact well. Our problem was a bit different.

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Speaker 2: The best thing if you're buying appliances, if you're doing

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Speaker 2: if you're using like a company like best Buy, is

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Speaker 2: that you can purchase them in advance and then make

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Speaker 2: the delivery for as far out as you want, and

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Speaker 2: then you can change the delivery delivery date a bunch

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Speaker 2: of times. We were changing ours all the time because

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Speaker 2: our house wasn't ready and there's no additional charge to

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Speaker 2: do it. What we didn't realize is there was a

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Speaker 2: risk of that item going out of stock or being

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Speaker 2: backwardered over the time, you know, being sold out and

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Speaker 2: then on back order. So we ended up with the

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Speaker 2: week of Christmas, you know, or we had this fridge

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Speaker 2: delivery all set up and then they were like, oh,

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Speaker 2: we ran out of those, so we had to get

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Speaker 2: a more expensive one just to have a fridge.

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Speaker 1: It's been great, Like I said, we're here now, this

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Speaker 1: is this is like the last major design choice that

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Speaker 1: had to be made, and I really felt like I

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Speaker 1: wanted to do, like I said, the heavy lift, because

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Speaker 1: it's such a it's such an expensive choice. We have

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Speaker 1: to get everything new, like the whole, you know, dishwasher.

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Speaker 1: I never had a dish washer. No that's not true.

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Speaker 1: My parents asked. We did, but dishwasher, the hood for

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Speaker 1: the oven, the stove itself, microwave, refrigerator, And I'm like, uh,

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Speaker 1: I need to be in control of like what that

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Speaker 1: budget looks like, because that, you know, you can.

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Speaker 2: Get the measurements. My husband was really he was in

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Speaker 2: charge of all that and he was.

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Speaker 1: Meticulous without the measurements, right, yeah, and.

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Speaker 2: To be sure they fit. If you want any advice,

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Speaker 2: you know, you can contact my husband. He loves electronics

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Speaker 2: and choosing things. I want to write a book on it.

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Speaker 1: I do. I would loved And then I'm like, yes,

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Speaker 1: but do you know what kind of friends did you

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Speaker 1: guys choose? We got?

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Speaker 2: I don't know a big one. I love my husband.

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Speaker 2: He he's like, babe's good library. I want to get

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Speaker 2: some books. And I was like, okay, we never go

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Speaker 2: to our local library, and it's a nice library. And

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Speaker 2: we finally went and I'm like picking out my latest

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Speaker 2: novel and he I go over to him and he's

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Speaker 2: got a stack of like electrical wiring books with like

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Speaker 2: how to how to wire house and diy home and

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Speaker 2: he legit like studied these books and then taught himself

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Speaker 2: how to wire light bulbs and the ups. Like, we

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Speaker 2: have a house that doesn't have center light fixtures like

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Speaker 2: in the in the ceilings they'd have like you know,

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Speaker 2: these jerry rigged lights that are either it's this lamp

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Speaker 2: turns on when you flip that switch or this switch

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Speaker 2: turns on that lamp or whatever. So he's been working

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Speaker 2: on fixing that and I was nervous about him trying,

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Speaker 2: but he's really good at it.

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Speaker 1: He's just yes, I handed, guy's such a good it's

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Speaker 1: such a great right, I mean not ho, It's like yeah,

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Speaker 1: I'm like, because okay, why can I be like, well,

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Speaker 1: I guess that draw will be crooked forever. And I'm like,

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Speaker 1: ser man, He's like it's a drawer. I'm like, I know,

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Speaker 1: but it's been broken, like you know, like I'm just

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Speaker 1: used to like looking at that stuff and being like, well, yes,

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Speaker 1: that's how we live now, you know.

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Speaker 2: For me, it's about like not having to spend money

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Speaker 2: getting someone to fix it because every time, you know,

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Speaker 2: whenever he wants to spend money. Now, I'm just like,

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Speaker 2: we've didn't we didn't we How aren't we done? Like

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Speaker 2: didn't we do all the spending we're ever going to

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Speaker 2: do in our life this year? So it's it probably

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Speaker 2: saved us already a few hundred bucks.

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Speaker 1: Yeah, unfortunate electrician. It's like a plumber just to come out,

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Speaker 1: isn't it like minimal? Like you have to pay at

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Speaker 1: least twenty seventy five dollars just for them to come out.

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Speaker 2: But I know for them, plumber, I'm not sure we

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Speaker 2: got we we luckily don't have any plumbing issues, but

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Speaker 2: like for home, and yeah, so are our gutter. For example,

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Speaker 2: that was the guy who we talked to you about

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Speaker 2: coming to fix a gutter that wasn't draining properly. He

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Speaker 2: was like, well, to come to your area, we need

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Speaker 2: a minimum of this much money and this job isn't

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Speaker 2: worth that, and then Enrique just learned how to do

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Speaker 2: it on his own. So yeah, I mean if and

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Speaker 2: you know he had to when we were choosing to

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Speaker 2: buy a house, like you need a partner who's you

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Speaker 2: either need a lot of money to hire professionals, or

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Speaker 2: you need a partner or you yourself should be prepared

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Speaker 2: to start DIY. We're fixing things because I would have

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Speaker 2: been very upset with my husbands if we got into

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Speaker 2: this house situation. He wanted us to be in so desperately,

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Speaker 2: and then we were just you know, burning made.

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Speaker 1: Yeah, it's paid all these little things. Yeah, because I

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Speaker 1: was telling my Superman like, oh, with the TVs? You know,

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Speaker 1: how are we going to hang them? He's like a

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Speaker 1: Tiffany like that, I mean, all the TV's in a half.

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Speaker 1: I forget sometimes I'm like I'm like, literally, he's a

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Speaker 1: super of three hundred, three hundred units, why would he

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Speaker 1: know how to fix something. He's like hey, I'm like hey,

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Speaker 1: but just so sometimes you just forget because I'm just

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Speaker 1: like I want everything to be done perfectly. He's like

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Speaker 1: I did, and he did. He hid the wires and everything.

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Speaker 1: I'm like, well, okay, it's exciting moving in. Yeah, yes,

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Speaker 1: I know that this month is I mean this is

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Speaker 1: like a total one eighty three to sixty. But this month, no,

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Speaker 1: this month is a mental health awareness month, right, that's what.

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Speaker 2: May is Mental health Awareness month.

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Speaker 1: Yes, for those.

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Speaker 2: Of you out there who are struggling with whatever is

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Speaker 2: holding you back or weighing you down, this is a

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Speaker 2: good time to reflect. I'm we're doing some fun things

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Speaker 2: at our office. Actually, it's cool, like some companies will

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Speaker 2: get into the month and we're having the animal We're

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Speaker 2: having a what is it called the Humane Society. We're

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Speaker 2: bringing some therapy dogs to our office for a day,

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Speaker 2: and we're going to do group yoga at our office

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Speaker 2: for a day. And then we already have a wellness room,

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Speaker 2: which is kind of just a room off in the corner.

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Speaker 2: It's supposed to be a breastfeeding room, but we don't

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Speaker 2: have any breastfeeding mothers right now, so it's just kind

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Speaker 2: of like the room you can go in and stretch

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Speaker 2: or sit in the dark, like I do for fifteen

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Speaker 2: minutes a day sometimes. So for me, like if I'm

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Speaker 2: feeling stressed at work, that's what I do. And then

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Speaker 2: I've my goal for Mental Health Awareness Month has been

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Speaker 2: to get up and walk for an hour during the day.

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Speaker 2: And so what I've been doing, because I don't take

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Speaker 2: hour long breaks from work ever, is I've just been

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Speaker 2: going on walks during conference calls, okay, and conference calls

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Speaker 2: where I know I don't need to be like talking

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Speaker 2: a lot, okay, And it's been awesome. I did like

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Speaker 2: four thousand steps today just wandering around the park looking

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Speaker 2: at the birds, you know, listening in on this call.

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Speaker 2: And that's been really helpful for me as far as

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Speaker 2: like dealing with the just the like the monotony and

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Speaker 2: the stress of you know, sitting at your desk and

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Speaker 2: working all day.

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Speaker 1: No, that's good, honestly it can be because even though

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Speaker 1: and you think like, oh, could you work for yourself?

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Speaker 1: So no, like I there are days and I'm like,

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Speaker 1: goodn'ty have you gone outside? Because you can work anywhere.

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Speaker 1: I had even bought my self this little like it's

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Speaker 1: like the size of a long cell phone. It's one

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Speaker 1: of these portable charges for my laptop, so that way

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Speaker 1: I could like just take my laptop and literally sit

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Speaker 1: at the park bench and do work with the birds chirping.

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Speaker 1: And I feel like I don't take that take advantage

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Speaker 1: of it as much. And when I don't get outside

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Speaker 1: as much, it definitely you know, it's caused for me

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Speaker 1: not feeling like like myself. And you'd be surprised how

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Speaker 1: like financial you know, well, I think no people, nobody

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Speaker 1: would be surprised how you finances and your mental health

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Speaker 1: played such a pivotal role with each other. I remember

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Speaker 1: when post recession, I fell into like and I didn't

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Speaker 1: realize at the time that's what it was, but I

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Speaker 1: fell into a depression because I'd lost everything, like everything

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Speaker 1: i'd identified with, Like Tiffany, you're a preschool teacher, not anymore, Tiffany,

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Speaker 1: you own a condo, not anymore, Tiffany, you have retirement,

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Speaker 1: not anymore. Everything was gone and for like almost two years.

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Speaker 1: I would say probably was bad the first six months,

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Speaker 1: but like where it was like really bad where I

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Speaker 1: was like I was and washing dishes. I wasn't washing myself.

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Speaker 1: I was just in the house dark always. And I

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Speaker 1: broke up with my boyfriend at the time. We had

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Speaker 1: been together for like six years. I thought were going

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Speaker 1: to get married. So it was like it was lost.

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Speaker 1: On top of loss and type of loss, I just

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Speaker 1: felt I felt lost, And it wasn't until like I said,

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Speaker 1: I think it was like my best friend Linda, she

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Speaker 1: was like, you haven't come out, you don't call anybody.

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Speaker 1: Where are you? And I kind of looked around and

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Speaker 1: was like why am I living in Squalor? And I'm

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Speaker 1: like what is this? And I'm like wait. Then it

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Speaker 1: wasn't until I got out of it that I realized,

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Speaker 1: like timmany, you really fell into like a depression and

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Speaker 1: I don't know that it was a clinical depression, definitely

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Speaker 1: an emotional depression. And even then it took about like

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Speaker 1: a year and a half for me to fully get

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Speaker 1: out of this that funk of like a feeling like

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Speaker 1: I was a failure because I'd messed up, you know,

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Speaker 1: and what were someone?

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Speaker 2: Do you have like specific things that you think you

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Speaker 2: did that helps you get out? I know one of

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Speaker 2: them was starting the budget LISTA.

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Speaker 1: Yeah, you know, well it was one the most important

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Speaker 1: thing in the beginning was honestly, I had like I

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Speaker 1: had to talk to someone, Like it started with Linda

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Speaker 1: because she called me, like all my other friends were

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Speaker 1: kind of persistent, but I was like just ignoring everyone

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Speaker 1: quite honestly, Like I wasn't picking up the phone. And

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Speaker 1: then I don't know what made me pick up the

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Speaker 1: phone or Linda call, but I know Linda literally like

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Speaker 1: my whole life. Our parents used to share an apartment

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Speaker 1: and so we known each other before we were even here,

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Speaker 1: and so Linda was more like, you know, like a

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Speaker 1: sister versus like a friend. And so I don't know,

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Speaker 1: for some random reason, I picked up and she was

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Speaker 1: just like, what's going on, and you know, like okay.

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Speaker 1: And Linda's like a ray of sunshine, So she was

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Speaker 1: like the perfect person to call. And she's the least

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Speaker 1: judgmental person. You could be like, Linda, I killed someone

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Speaker 1: and She'll be like, well, I mean that's not good.

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Speaker 1: But and so I knew like I had not told anyone,

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Speaker 1: So that to me that the first kind of break

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Speaker 1: was like I had to tell someone what I was

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Speaker 1: harboring because the depression was also coming from me. No

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Speaker 1: one knew what was happening. They didn't know I'd lost

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Speaker 1: my job. They didn't know that, you know, I'd lost

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Speaker 1: I was using my house. They didn't know anything. So

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Speaker 1: we were talking and then it kind of spilled that

300
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Speaker 1: I just started crying and saying like everything that I'd

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Speaker 1: identified with is who I was is gone. I'm like,

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Speaker 1: I love my money, I know if there's all these

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Speaker 1: things that you guys, And she was like, that's it, girl,

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Speaker 1: everyone's broke. I remember, She's like, are saying that, like

305
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Speaker 1: literally everyone is broke, Like it's the recession girl. Like

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Speaker 1: So it ain't really clicked to me that I wasn't that.

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Speaker 1: I was like, it wasn't just me, that this was

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Speaker 1: like a wave that was happening. So one, I'm just

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Speaker 1: getting acceptance from someone that I wasn't terrible. I wasn't

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Speaker 1: this bad person because you know, these things had happened.

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Speaker 1: And so once Linda kind of gave me the permission

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Speaker 1: to basically start to forgive myself. So speaking to someone,

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Speaker 1: starting to forgive myself, and then I also realized that

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Speaker 1: a lot of the what I was feeling was like

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Speaker 1: it was all it was self self, self, poor Tiffany.

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Speaker 1: Tiffany lost the Tifany lost that. And when I started volunteering,

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Speaker 1: that's how I started the Budgetista. Really it was The

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Speaker 1: Budgetista was supposed to be a nonprofit and it was

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Speaker 1: so I started volunteering. Helping and helping other people helps

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Speaker 1: you to stop thinking about you yourself and what you're

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Speaker 1: going through and helps you to be more grateful. So

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Speaker 1: like those two things really helped me to get over

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Speaker 1: the biggest hurdles. And then through the budgetista and volunteering

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Speaker 1: and people started to ask, you know, how much do

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Speaker 1: you cost and all that kind of stuff, and so

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Speaker 1: the business grew. But it was really through forgiving myself,

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Speaker 1: getting permission to forgive myself, forgiving myself and helping people

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Speaker 1: that brought me out of the deepest part of the funk.

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Speaker 1: But yeah, it was hard because I really was like

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Speaker 1: I just remember being like, yo, I had to throw

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Speaker 1: away the dishes because like that's how bad, Like the

332
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Speaker 1: sink had gotten, Like I could they were not, you know, redeemable.

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Speaker 1: I was like, yes, it was really bad. I was

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Speaker 1: like just in the house because I imagine just losing everything,

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Speaker 1: your house, your future fiance, your you know, financial stability,

336
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Speaker 1: your I just lost everything. And then I found myself

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Speaker 1: like three hundred thousand dollars in debt and no way

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Speaker 1: to dig my way out. And I had just remember,

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Speaker 1: I don't know if you remember I told that story

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Speaker 1: about the guy that had gone through that financial scam. Yes,

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Speaker 1: so now all of a sudden like that. That just

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Speaker 1: hit it that time too. So now I owed thirty

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Speaker 1: five thousand dollars in credit card debt, fifty thousand dollars

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Speaker 1: of student loans, two twenty in my mortgage, no job,

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Speaker 1: no retiring account, like no, you know, no man, Not

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Speaker 1: that I needed a man, but you know we were.

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Speaker 1: That was like I thought I was going to marry him,

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Speaker 1: and so like everything was gone and it was just

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Speaker 1: too much. And so my depression it I just slept

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Speaker 1: all the time, like I just I couldn't get out

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Speaker 1: of bed. I just slept. Everything was dark. I don't

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Speaker 1: even know what I ate when I drank. Everything was dark.

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Speaker 1: I probably just showered every other day. I don't even know.

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Speaker 1: I just remember I was like I didn't speak to anyone.

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Speaker 1: So yeah, So if you are experiencing, you know, any

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Speaker 1: sort of mental breakdown, or you're feeling like, you know,

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Speaker 1: it's only me, it's not. Honestly, it's so many people

358
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Speaker 1: struggle through it. And I'm fortunate in that mind was

359
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Speaker 1: emotional versus clinical, meaning that because it's not. Sometimes it's

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Speaker 1: not just easy, oh talk to your friend, because if

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Speaker 1: you are, if you have are clinically depressed, it is

362
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Speaker 1: there's something in your hormonal makeup, so it's not a

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Speaker 1: matter of just talking to a friend, you know what

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Speaker 1: I mean. So I can't imagine how hard that must

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Speaker 1: be when it's it's not just oh, as your situation

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Speaker 1: gets better. You can have the most amazing life and

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Speaker 1: still feel depressed if you are clinically depressed. And I

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Speaker 1: can't I can't imagine how hard that must be and

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Speaker 1: how you deal with something like that when you're like,

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Speaker 1: I know nothing's wrong, but everything feels terrible, you know.

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Speaker 2: Yeah, I mean sometimes like just the financial stress can

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Speaker 2: be the like the trigger that may bring about like

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Speaker 2: some latent clinical depression, or if you have like if

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Speaker 2: it runs in your family, you know, I know that

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Speaker 2: you're predisposed to suffering from depression. Yeah, well, thanks for sharing.

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Speaker 2: It's always I mean, I'm always I know I've heard

377
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Speaker 2: your story a bunch of times, but I'm always like, damn,

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Speaker 2: it's turned around. Good for her.

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Speaker 1: I'm not gonna lie. I don't even know how.

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Speaker 2: Well it's like, oh go ahead, no.

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Speaker 1: No, I'm gonna say. Sometimes I just it's not until

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Speaker 1: like you said, someone like you say it, and then

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Speaker 1: you're like, wow, it was really bad.

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Speaker 2: Kind of put today's worries in perspective. Yeah, well, you know,

385
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Speaker 2: it can be really you know, we can make it

386
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Speaker 2: can be talking to a friend, but then there's a

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Speaker 2: serious issues like I read one stat there's a new

388
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Speaker 2: survey that came out this week saying one in fifteen

389
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Speaker 2: student loan borrowers has considered committing suicide because of their

390
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Speaker 2: student loan debt. So if you're at that kind of

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00:18:30,280 --> 00:18:33,440
Speaker 2: place right now, suicide prevention hotline, I think it's one

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Speaker 2: eight hundred. I think it's one eight hundred prevention. I'll

393
00:18:35,680 --> 00:18:39,400
Speaker 2: double check that. Yeah, talk to someone a professional if

394
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Speaker 2: you can. And also when it comes to financial problems

395
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Speaker 2: in general, you know, we got we got questions from

396
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Speaker 2: listeners all the time, and it's not an easy problem

397
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Speaker 2: to fix right away. So part of recovery is acknowledging,

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Speaker 2: forgiving yourself, you know, and acknowledging it's going to be

399
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Speaker 2: a long road to recovery, especially if there's no quick fixes,

400
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Speaker 2: like you're not about to inherit you know, thousands of dollars,

401
00:19:04,080 --> 00:19:06,200
Speaker 2: or you don't have a big windfall coming or a

402
00:19:06,200 --> 00:19:09,080
Speaker 2: big promotion. Sometimes those stars just aren't aligning, so it

403
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Speaker 2: can it really can be like chipping away at a

404
00:19:12,000 --> 00:19:14,040
Speaker 2: bit of a mountain and you just kind of kind

405
00:19:14,080 --> 00:19:16,360
Speaker 2: of get in that. It's like starting to lose weight

406
00:19:16,440 --> 00:19:17,919
Speaker 2: or something. You just have to like get in the

407
00:19:18,000 --> 00:19:22,800
Speaker 2: right mindset and understand it's going to be a long

408
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Speaker 2: haul and then hopefully, like Bill, get a support system friends, family,

409
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Speaker 2: loved ones, professionals to help you to help you get there.

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Speaker 1: Yeah, and just and that's exactly it is that you

411
00:19:36,320 --> 00:19:38,199
Speaker 1: have to just know that it's just one foot in

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Speaker 1: front of the other. Because people always ask how did

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Speaker 1: you get to your tipany and I'm like, I honestly

414
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Speaker 1: have no idea. I mean, like, yes, I work hard,

415
00:19:44,400 --> 00:19:46,520
Speaker 1: but that doesn't mean I mean people work hard every day.

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Speaker 1: It's just one foot in front of the other. And

417
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Speaker 1: when you know you fall, you get back up and

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Speaker 1: then you put another foot in front of the other.

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Speaker 1: And some days you know you can't put one foot.

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Speaker 1: You just it's just too much. So then you do that,

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Speaker 1: you do it tomorrow. That's it. I mean every day,

422
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Speaker 1: I just take it a day at a time. I mean,

423
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Speaker 1: there's there's always so much going on, especially in business.

424
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Speaker 1: There's always something that's breaking that you're fixing that's this,

425
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Speaker 1: that there's always something And I learned I used to

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00:20:09,960 --> 00:20:12,800
Speaker 1: think that if I could fix this thing, then I

427
00:20:12,800 --> 00:20:14,760
Speaker 1: could breathe. That's just not going to be like I'm

428
00:20:14,800 --> 00:20:17,120
Speaker 1: going to fix something and then something's going to break

429
00:20:17,160 --> 00:20:19,920
Speaker 1: on some other components of the business. And I've learned

430
00:20:19,960 --> 00:20:23,400
Speaker 1: to manage that and say, I'm not here to make

431
00:20:24,000 --> 00:20:27,960
Speaker 1: a completely whole, perfect existence. You know, that's not what

432
00:20:28,040 --> 00:20:29,960
Speaker 1: it is. It's just one foot in front of the other.

433
00:20:30,040 --> 00:20:32,879
Speaker 1: That every day I try to move the needle an

434
00:20:32,920 --> 00:20:35,200
Speaker 1: inch and if I can move the needle and inch,

435
00:20:35,280 --> 00:20:38,920
Speaker 1: then then that's awesome. If I can't, then I try

436
00:20:38,920 --> 00:20:42,880
Speaker 1: again tomorrow, and yeah, that's that's really it. And trying

437
00:20:42,920 --> 00:20:45,439
Speaker 1: to like I try to live life with intention, like

438
00:20:45,880 --> 00:20:49,680
Speaker 1: I always ask myself despite you know, like the budget Lisa,

439
00:20:49,680 --> 00:20:51,080
Speaker 1: and I don't ever want to go back to a

440
00:20:51,119 --> 00:20:54,040
Speaker 1: space where if something is gone from me, like as

441
00:20:54,040 --> 00:20:57,960
Speaker 1: far as externally, that like my whole identity's gone, like

442
00:20:58,560 --> 00:21:01,920
Speaker 1: the budget LISTA is really important to me. But I'm

443
00:21:02,200 --> 00:21:04,160
Speaker 1: you know, I don't want to forget that I'm Tiffany.

444
00:21:04,320 --> 00:21:06,520
Speaker 1: So I'm very mindful of that and asking myself all

445
00:21:06,560 --> 00:21:09,240
Speaker 1: the time, how do I want my life to be, Tiffany,

446
00:21:09,280 --> 00:21:11,280
Speaker 1: is this how you want your life to be? Is this? Like?

447
00:21:11,359 --> 00:21:13,119
Speaker 1: Are you happy with the way your life is? I'm

448
00:21:13,160 --> 00:21:16,480
Speaker 1: always asking myself that and then readjusting, Like I've made

449
00:21:17,040 --> 00:21:20,399
Speaker 1: a big readjustment recently of like saying like, and I

450
00:21:20,480 --> 00:21:22,239
Speaker 1: want to do budgetiesta a little bit less as far

451
00:21:22,240 --> 00:21:25,160
Speaker 1: as like speaking and traveling because the life that I'm

452
00:21:25,200 --> 00:21:27,640
Speaker 1: living now is exactly how I wanted it to be

453
00:21:28,160 --> 00:21:30,320
Speaker 1: when I was like thirty two, so I would say

454
00:21:30,600 --> 00:21:34,080
Speaker 1: I'm thirty nine now to like thirty eight. I was like, yeah,

455
00:21:34,160 --> 00:21:36,239
Speaker 1: this is exactly what I wanted. And then I was like, hey,

456
00:21:36,280 --> 00:21:38,720
Speaker 1: I want to have a baby, just like fairly recently

457
00:21:38,760 --> 00:21:41,679
Speaker 1: within the last year or so, and that changed and

458
00:21:41,680 --> 00:21:43,880
Speaker 1: made me say, Okay, well I don't want my life

459
00:21:43,880 --> 00:21:46,320
Speaker 1: to be like this anymore, not that anything's wrong with it,

460
00:21:46,400 --> 00:21:49,680
Speaker 1: I'm just pivoting and now I'm recreating what I want

461
00:21:49,680 --> 00:21:52,520
Speaker 1: my life to look like. So not being afraid to say, hey,

462
00:21:53,320 --> 00:21:55,760
Speaker 1: you know, I don't have a bad life, but this

463
00:21:55,920 --> 00:21:59,879
Speaker 1: is not this is not the life that I currently want. Now,

464
00:22:00,200 --> 00:22:01,520
Speaker 1: how do I put one foot in front of the

465
00:22:01,560 --> 00:22:05,600
Speaker 1: other and recreate the existence that I want? And so

466
00:22:05,640 --> 00:22:08,680
Speaker 1: that's just how I try to live intentionally and also too,

467
00:22:08,800 --> 00:22:11,199
Speaker 1: I find that in when I'm really feeling bad, that's

468
00:22:11,240 --> 00:22:14,000
Speaker 1: the best time to give of yourself. I mean, nothing

469
00:22:14,040 --> 00:22:17,520
Speaker 1: picks me up more than like just like helping someone

470
00:22:17,560 --> 00:22:19,399
Speaker 1: else because it has nothing to do with you, and

471
00:22:19,440 --> 00:22:23,439
Speaker 1: it helps to alleviate whatever, like you know, whatever's weighing

472
00:22:23,480 --> 00:22:25,679
Speaker 1: you down. I mean, sometimes as simple as because I

473
00:22:25,720 --> 00:22:28,600
Speaker 1: get hundreds and hundreds of Facebook messages a day, so

474
00:22:28,680 --> 00:22:31,240
Speaker 1: I can't answer them all, but like, if I'm feeling

475
00:22:31,280 --> 00:22:33,800
Speaker 1: in a really bad funk, I will go in and

476
00:22:33,880 --> 00:22:36,160
Speaker 1: answer as many as I can. Sometimes I'll just literally

477
00:22:36,160 --> 00:22:38,560
Speaker 1: tell people here, call me real quick, work through their

478
00:22:38,600 --> 00:22:42,360
Speaker 1: financial issue, and I'll like, you know, I'll spend an

479
00:22:42,359 --> 00:22:45,000
Speaker 1: hour or two doing that, and then it usually helps

480
00:22:45,040 --> 00:22:47,480
Speaker 1: me to look at my own thing and perspective of like, Okay,

481
00:22:47,680 --> 00:22:50,040
Speaker 1: it's not all about you, Tiffany. Like it's a big world.

482
00:22:50,040 --> 00:22:52,199
Speaker 1: There are other people who have things going on, and

483
00:22:52,320 --> 00:22:54,879
Speaker 1: what you're experiencing is like like these appliances. I'm like,

484
00:22:54,960 --> 00:22:57,720
Speaker 1: it's you gotta live. You gotta live with two different

485
00:22:57,800 --> 00:23:34,200
Speaker 1: color stainless steal. It's fine, do you want to boost

486
00:23:34,320 --> 00:23:35,680
Speaker 1: or do you want to brisie.

487
00:23:36,280 --> 00:23:38,239
Speaker 2: I'm gonna take it. I'm gonna do a boost. I

488
00:23:38,240 --> 00:23:41,800
Speaker 2: feeling in a positive mood today. So we all were

489
00:23:41,840 --> 00:23:45,840
Speaker 2: so sad to hear that Luke Perry. I feel like

490
00:23:45,880 --> 00:23:48,119
Speaker 2: my sister was a Luke Perry fan when Beverly Hills

491
00:23:48,320 --> 00:23:49,840
Speaker 2: nine or two win O was a thing. I think

492
00:23:49,840 --> 00:23:53,000
Speaker 2: I was more of adjacent Priestley fan. But anyway, when

493
00:23:53,000 --> 00:23:56,639
Speaker 2: he passed away, that was like for nineties girls, that

494
00:23:56,840 --> 00:24:00,560
Speaker 2: was devastating. But I recently read that he was buried

495
00:24:00,680 --> 00:24:03,960
Speaker 2: in a mushroom suit, which you may not understand a

496
00:24:04,000 --> 00:24:06,399
Speaker 2: personal finance angle, but don't worry. I'm getting there.

497
00:24:06,840 --> 00:24:09,480
Speaker 1: Soom suit, thank you.

498
00:24:10,480 --> 00:24:11,960
Speaker 2: I'm not not going to explain what the hell a

499
00:24:12,000 --> 00:24:15,800
Speaker 2: mushroom suit is. So a mushroom suit is. It's been

500
00:24:15,840 --> 00:24:18,399
Speaker 2: around for a few years, but it's infused with like

501
00:24:18,600 --> 00:24:21,080
Speaker 2: fungi that when you're buried in it, so you're buried

502
00:24:21,080 --> 00:24:23,000
Speaker 2: not in a coffin, you're just buried in the earth

503
00:24:23,080 --> 00:24:25,280
Speaker 2: in the suit. And it's meant to be a more

504
00:24:25,280 --> 00:24:29,879
Speaker 2: planet friendly and financially friendly way to be buried because apparently,

505
00:24:30,040 --> 00:24:33,960
Speaker 2: like when your body is decomposing and you're whatever you're

506
00:24:33,960 --> 00:24:37,639
Speaker 2: buried and is decomposing, it releases harmful toxins into the earth.

507
00:24:38,440 --> 00:24:40,840
Speaker 2: But when you're in a mushroom suit, like your body

508
00:24:40,960 --> 00:24:45,680
Speaker 2: becomes life like, it becomes it becomes like a living organism,

509
00:24:45,960 --> 00:24:49,480
Speaker 2: you know. It feeds the mushrooms that that you know,

510
00:24:49,600 --> 00:24:52,399
Speaker 2: fungi feed off of. It's kind of gross, but it

511
00:24:52,400 --> 00:24:57,320
Speaker 2: feeds off you. So it helps the decomposition process. But

512
00:24:57,359 --> 00:25:00,080
Speaker 2: the other benefit is that they're only about fifteen at

513
00:25:00,160 --> 00:25:02,119
Speaker 2: least this one company that seems to be they have

514
00:25:02,200 --> 00:25:04,800
Speaker 2: like the corner on the market right now. It's fifteen

515
00:25:04,880 --> 00:25:07,920
Speaker 2: hundred dollars for a mushroom suit, which doesn't sound cheap,

516
00:25:07,920 --> 00:25:10,040
Speaker 2: but when you compare it to the cost of a casket,

517
00:25:10,119 --> 00:25:13,240
Speaker 2: which starts at according to the FTC, two thousand dollars

518
00:25:13,280 --> 00:25:15,480
Speaker 2: and sometimes up to ten thousand dollars if you have

519
00:25:15,560 --> 00:25:19,440
Speaker 2: that family who needs like the bells and whistles. But

520
00:25:19,480 --> 00:25:22,560
Speaker 2: like you know, you're saving potentially thousands of dollars and

521
00:25:22,640 --> 00:25:24,760
Speaker 2: you're doing the environment a solid.

522
00:25:25,720 --> 00:25:25,960
Speaker 1: Oh.

523
00:25:26,000 --> 00:25:30,160
Speaker 2: I love that, just sharing that little story. I mean,

524
00:25:30,200 --> 00:25:32,119
Speaker 2: I don't know how, I don't I don't really know

525
00:25:32,160 --> 00:25:33,919
Speaker 2: how I want to be buried, but I do feel

526
00:25:33,920 --> 00:25:36,800
Speaker 2: like the whole coffin thing and the whole expense of

527
00:25:36,840 --> 00:25:39,440
Speaker 2: a funeral. I would like. I like that we're coming

528
00:25:39,520 --> 00:25:42,280
Speaker 2: up with alternative ways, like looking at the way that

529
00:25:42,359 --> 00:25:43,640
Speaker 2: we bury people differently.

530
00:25:44,440 --> 00:25:47,080
Speaker 1: No, honestly, I think that's Have you heard the one

531
00:25:47,080 --> 00:25:48,800
Speaker 1: where it's like you get buried and you turn into

532
00:25:48,800 --> 00:25:49,400
Speaker 1: a tree.

533
00:25:49,840 --> 00:25:51,920
Speaker 2: Yeah, yeah, I've heard. Yeah, we did a story on that.

534
00:25:52,560 --> 00:25:55,439
Speaker 2: Or people take they get cremated and then then although

535
00:25:55,480 --> 00:25:58,080
Speaker 2: cremation is part of the problem because it releases toxins

536
00:25:58,440 --> 00:26:02,080
Speaker 2: through the smoke of the the furnace or whatever, but yeah,

537
00:26:02,119 --> 00:26:04,600
Speaker 2: you can like use it, use the ashes, mix it

538
00:26:04,640 --> 00:26:07,520
Speaker 2: with compost, and then bury a tree or something like that.

539
00:26:07,920 --> 00:26:11,360
Speaker 1: But then I think that's awesome because like imagine being

540
00:26:11,400 --> 00:26:12,919
Speaker 1: like a tree like someone, you know what I mean.

541
00:26:12,960 --> 00:26:15,160
Speaker 1: I think that that's a beautiful way. But I love

542
00:26:15,200 --> 00:26:17,640
Speaker 1: that too. The mushroom suit, it's like, you know, because

543
00:26:17,640 --> 00:26:20,520
Speaker 1: it's honestly, it's almost it's really how we were meant

544
00:26:20,520 --> 00:26:22,880
Speaker 1: to go in a way, right back to back to dust,

545
00:26:23,080 --> 00:26:25,879
Speaker 1: ashes to ashes, dust to death. Yea, you know that,

546
00:26:26,040 --> 00:26:29,800
Speaker 1: to go back into the earth again. Yeah. I always wondered, like,

547
00:26:29,840 --> 00:26:31,760
Speaker 1: what are we going to do when like eventually we're

548
00:26:31,800 --> 00:26:33,360
Speaker 1: going to run out of space for these coffins.

549
00:26:34,359 --> 00:26:36,840
Speaker 2: I mean, you see those cemeteries in New York where

550
00:26:36,840 --> 00:26:39,720
Speaker 2: it's like, I mean, there's stories people have written about

551
00:26:39,720 --> 00:26:41,920
Speaker 2: how finding a burial plot is like trying to find

552
00:26:41,960 --> 00:26:44,680
Speaker 2: an apartment. I mean, there's just it's expensive if you

553
00:26:44,720 --> 00:26:47,160
Speaker 2: can find it. I mean, it's not always the extreme.

554
00:26:47,200 --> 00:26:48,960
Speaker 2: I think plenty of places have plenty of room for

555
00:26:50,240 --> 00:26:55,120
Speaker 2: extra bodies. But yeah, I mean it's we're all gonna die,

556
00:26:55,280 --> 00:26:57,600
Speaker 2: so we I think maybe we should be thinking differently

557
00:26:57,640 --> 00:27:00,600
Speaker 2: about how we save space because we're gonna have to

558
00:27:00,600 --> 00:27:02,520
Speaker 2: eat it. You can't like, come on, do you need

559
00:27:02,520 --> 00:27:03,160
Speaker 2: that fancy?

560
00:27:03,440 --> 00:27:05,160
Speaker 1: I guess you know what I mean. I mean there's

561
00:27:05,160 --> 00:27:07,399
Speaker 1: some I guess I'm assuming there's some religions that have

562
00:27:07,480 --> 00:27:11,080
Speaker 1: their own like what you're supposed to do, like with

563
00:27:11,119 --> 00:27:13,680
Speaker 1: your body. But I'm like, yeah, I'm with you. I

564
00:27:13,800 --> 00:27:16,439
Speaker 1: love to be turned into a tree. Honestly, I'm like,

565
00:27:16,840 --> 00:27:18,919
Speaker 1: be like, I'm over here to be shady for life, honey,

566
00:27:19,359 --> 00:27:21,760
Speaker 1: shady for life. I came up with that just now.

567
00:27:21,920 --> 00:27:22,560
Speaker 1: Isn't that clever?

568
00:27:24,480 --> 00:27:25,720
Speaker 2: Yes, very clever.

569
00:27:26,640 --> 00:27:31,680
Speaker 1: So mine is super random, as my my my brown

570
00:27:31,840 --> 00:27:34,120
Speaker 1: boost and breaks off and on, so this is a boost.

571
00:27:34,720 --> 00:27:36,800
Speaker 1: I know. I'm late I listened to their how I

572
00:27:36,880 --> 00:27:41,080
Speaker 1: Built this Lara bar l A r A, Like, have

573
00:27:41,119 --> 00:27:41,440
Speaker 1: you ever.

574
00:27:41,320 --> 00:27:43,320
Speaker 2: Heard larrapar Oh? I remember this episode?

575
00:27:43,400 --> 00:27:46,840
Speaker 1: Yeah, so it's great, but I never had one because

576
00:27:46,880 --> 00:27:49,600
Speaker 1: I was like, oh, whatever these you know, like cause

577
00:27:49,600 --> 00:27:53,840
Speaker 1: they have things like chocolate chip, cookie dough mid chocolate chip,

578
00:27:53,880 --> 00:27:56,080
Speaker 1: all these things. You're like, meanwhile, they're mayde with like

579
00:27:56,200 --> 00:27:58,720
Speaker 1: dates and then they're like, yeah, I'm not eating that

580
00:27:58,920 --> 00:28:01,920
Speaker 1: fake not fake, but like I highly down. I'm sure

581
00:28:01,920 --> 00:28:05,000
Speaker 1: it's super healthy, but I'm sure it's not delicious. But

582
00:28:05,040 --> 00:28:08,360
Speaker 1: you know who put me up on? In Supergirl, we

583
00:28:08,359 --> 00:28:10,880
Speaker 1: were at Whole Foods and I was like, what snack

584
00:28:10,880 --> 00:28:12,119
Speaker 1: do you want? So I was like like let her

585
00:28:12,160 --> 00:28:14,200
Speaker 1: pidic on her own snacks. She's like, can I get

586
00:28:14,200 --> 00:28:16,560
Speaker 1: some lwer bars? I looked at her like, okay, thirty

587
00:28:16,640 --> 00:28:17,320
Speaker 1: nine year old woman?

588
00:28:17,400 --> 00:28:19,720
Speaker 2: What nine year old hipster?

589
00:28:20,119 --> 00:28:24,360
Speaker 1: I was like, what when did you get a lower bar?

590
00:28:25,000 --> 00:28:26,600
Speaker 1: You know, like where were you even exposed to it?

591
00:28:26,640 --> 00:28:29,840
Speaker 1: Because I've never bought one before, and so I said sure.

592
00:28:29,920 --> 00:28:31,800
Speaker 1: So she was picking out like apple pie, all these

593
00:28:31,800 --> 00:28:35,280
Speaker 1: different ones, and I was like looking dubious, like because meanwhile,

594
00:28:35,320 --> 00:28:37,719
Speaker 1: Supergirl is twelve in seventh grade how does she have

595
00:28:37,800 --> 00:28:44,160
Speaker 1: the refined taste? I know it's scary and so and

596
00:28:44,200 --> 00:28:45,520
Speaker 1: so I was like, you know what, let me get

597
00:28:45,520 --> 00:28:47,680
Speaker 1: one in Mint chocolate chip is my favorite kind of

598
00:28:47,720 --> 00:28:49,760
Speaker 1: ice cream. So I got a mint chocolate chip one

599
00:28:49,840 --> 00:28:57,400
Speaker 1: just to try, and honestly, I love it. They're so good.

600
00:28:57,800 --> 00:29:02,120
Speaker 1: I'm I am like really shocked because it's like a date,

601
00:29:02,640 --> 00:29:06,160
Speaker 1: you know, like dates, walnuts whatever. I'm like, now, I'm

602
00:29:06,200 --> 00:29:09,760
Speaker 1: not gonna pretend like you know it it tastes like

603
00:29:09,920 --> 00:29:13,760
Speaker 1: a Snickers bar. It doesn't. But the the I think

604
00:29:13,800 --> 00:29:16,960
Speaker 1: my favorite is a chocolate chip cookie dough. It's really good.

605
00:29:18,400 --> 00:29:22,400
Speaker 1: Yeah a real yeah. Oh that one, Yeah, that one

606
00:29:22,440 --> 00:29:24,200
Speaker 1: is good. They have a peanut butter one that's pretty good.

607
00:29:24,440 --> 00:29:26,880
Speaker 1: But yeah, I was just like, you know, just big ups.

608
00:29:27,360 --> 00:29:28,920
Speaker 1: So it's one of my snacks. I'm so I'm back

609
00:29:29,000 --> 00:29:33,360
Speaker 1: vegan again because the wait and So I was looking

610
00:29:33,400 --> 00:29:36,200
Speaker 1: for like a snack that I can have in between

611
00:29:36,240 --> 00:29:38,680
Speaker 1: that's like healthy, that that I can also maintain because

612
00:29:38,720 --> 00:29:40,800
Speaker 1: I enjoyed it. And so Lara Bar is like my

613
00:29:40,920 --> 00:29:43,360
Speaker 1: go to, like you know, midday snack. I'm like, okay,

614
00:29:43,480 --> 00:29:45,960
Speaker 1: Larra Bars, So if you have not tried one, because

615
00:29:46,000 --> 00:29:48,120
Speaker 1: I know, there's so many of those fruit bars you know,

616
00:29:48,800 --> 00:29:54,160
Speaker 1: that are out there, and so yeah, exactly, And I

617
00:29:54,200 --> 00:29:56,200
Speaker 1: just wanted something that I was actually going to like

618
00:29:56,280 --> 00:30:00,000
Speaker 1: that I wasn't gonna fake like. And yeah, I actually

619
00:30:00,160 --> 00:30:01,480
Speaker 1: like it a lot. I mean sometimes I have to

620
00:30:01,480 --> 00:30:04,960
Speaker 1: tell myself, Tiffany, if you eat three, it's the same

621
00:30:05,000 --> 00:30:06,480
Speaker 1: as having a Snacker's.

622
00:30:06,000 --> 00:30:08,480
Speaker 2: Bar, So just have the snickers in that case, I

623
00:30:08,560 --> 00:30:09,280
Speaker 2: know exactly.

624
00:30:09,440 --> 00:30:10,719
Speaker 1: So no, I have not been doing that. So I've

625
00:30:10,720 --> 00:30:12,600
Speaker 1: been just having my one, you know, in the afternoon.

626
00:30:12,600 --> 00:30:14,760
Speaker 1: But yeah, that's my boost. If you haven't listened to

627
00:30:14,840 --> 00:30:17,760
Speaker 1: there how I built this, it's interesting as well their

628
00:30:17,800 --> 00:30:20,160
Speaker 1: interview about how she started a Louer bar. But the

629
00:30:20,200 --> 00:30:23,560
Speaker 1: bars are pretty delicious. Hopefold's had some super expensive. Of course,

630
00:30:23,560 --> 00:30:27,720
Speaker 1: you can find them like much cheaper at shop stopping shop.

631
00:30:27,720 --> 00:30:29,640
Speaker 1: I don't, well, it depends where you live. I guess.

632
00:30:29,680 --> 00:30:31,440
Speaker 2: We used to order them for the office on Amazon

633
00:30:31,520 --> 00:30:32,480
Speaker 2: and she get them in bulk.

634
00:30:33,200 --> 00:30:34,840
Speaker 1: They're like, oh, I never thought about that.

635
00:30:35,200 --> 00:30:36,200
Speaker 2: Tend to run cheaper.

636
00:30:36,720 --> 00:30:38,800
Speaker 1: You is smart, you know.

637
00:30:39,520 --> 00:30:42,240
Speaker 2: I love me some Amazon Probably that I should. Probably

638
00:30:42,560 --> 00:30:45,920
Speaker 2: That's another another conversation. Is the Amazon Prime bad for

639
00:30:46,000 --> 00:30:47,800
Speaker 2: the environment, like all the packages.

640
00:30:47,960 --> 00:30:50,040
Speaker 1: Oh my gosh, the gas.

641
00:30:49,680 --> 00:30:52,440
Speaker 2: That we need to get things delivered. I mean to

642
00:30:52,520 --> 00:30:54,360
Speaker 2: get these drones done soon.

643
00:30:54,920 --> 00:30:57,800
Speaker 1: Yes, I ordered, Like, so, my my ninja died on me.

644
00:30:58,000 --> 00:30:59,600
Speaker 1: I've had it for a number of years, so I

645
00:30:59,600 --> 00:31:02,320
Speaker 1: wasn't it was. It was sounded like it wanted to die.

646
00:31:02,440 --> 00:31:04,000
Speaker 1: And so like you know, like the Ninja bullet where

647
00:31:04,000 --> 00:31:05,160
Speaker 1: you can like blend your smoothies.

648
00:31:05,400 --> 00:31:08,080
Speaker 2: Yeah, I never got a ninja. I'm like, weird, not

649
00:31:08,160 --> 00:31:08,800
Speaker 2: the only person.

650
00:31:09,200 --> 00:31:11,120
Speaker 1: What do you blend? You? Dude? Do you ever drink smoothies?

651
00:31:11,280 --> 00:31:16,600
Speaker 2: I'm not a big smoothie drinker. No, So okay, somehow survived.

652
00:31:17,920 --> 00:31:20,280
Speaker 1: I like, well, I mean I like a smoothie. Well,

653
00:31:20,640 --> 00:31:22,320
Speaker 1: I would say I go through moods where I'm like

654
00:31:22,360 --> 00:31:24,760
Speaker 1: smootie every day and then I'm like, oh I hate smoothies.

655
00:31:25,080 --> 00:31:28,000
Speaker 1: But so my ninja, my neutron ninja, I think that's

656
00:31:28,040 --> 00:31:30,480
Speaker 1: the one I have. It broke and I ordered, you know,

657
00:31:30,480 --> 00:31:32,440
Speaker 1: a new one from Amazon. Of course it came like

658
00:31:32,440 --> 00:31:36,000
Speaker 1: like next day, and I like, when I went to

659
00:31:36,000 --> 00:31:38,280
Speaker 1: pick up the box, I was like, clearly I must

660
00:31:38,280 --> 00:31:40,880
Speaker 1: have ordered something else, like maybe that I forgot, like

661
00:31:40,920 --> 00:31:45,040
Speaker 1: maybe a television, because what is this box. So I

662
00:31:46,280 --> 00:31:48,640
Speaker 1: opened it and there's a smaller box inside like one

663
00:31:48,720 --> 00:31:53,120
Speaker 1: fourth and then there's the news. I couldn't believe. I

664
00:31:53,240 --> 00:31:55,320
Speaker 1: was like, why are they studying my new Troe Ninda

665
00:31:55,320 --> 00:31:56,280
Speaker 1: in the TV box?

666
00:31:56,640 --> 00:31:59,760
Speaker 2: It was so they sent us a backscratcher the other

667
00:31:59,840 --> 00:32:02,840
Speaker 2: day in a package, Like we didn't order the backscratcher,

668
00:32:03,000 --> 00:32:06,080
Speaker 2: but it just came. I was like, Okay, I guess

669
00:32:06,080 --> 00:32:06,880
Speaker 2: I need one of these.

670
00:32:07,520 --> 00:32:09,720
Speaker 1: You know, that is so funny, Like I didn't like

671
00:32:09,880 --> 00:32:12,920
Speaker 1: sometimes those things randomly happened, like someone set me, Like

672
00:32:13,120 --> 00:32:16,440
Speaker 1: I got this dress from it's either Banana or Public

673
00:32:16,560 --> 00:32:18,479
Speaker 1: or the Gap. It's super cute, but it's not my size.

674
00:32:18,880 --> 00:32:21,800
Speaker 1: But like it's at Tiffany Alice and it had like

675
00:32:21,840 --> 00:32:25,320
Speaker 1: my address, and I'm like, I didn't I didn't, I

676
00:32:25,400 --> 00:32:27,720
Speaker 1: didn't order. I didn't order. I mean it's to keep dress,

677
00:32:27,800 --> 00:32:30,080
Speaker 1: but like I said, it's like a size or two

678
00:32:30,560 --> 00:32:31,200
Speaker 1: too small.

679
00:32:31,920 --> 00:32:35,400
Speaker 2: But heard isn't it. And I'm like, wait, it's one

680
00:32:35,400 --> 00:32:36,680
Speaker 2: of your fans sending you.

681
00:32:36,960 --> 00:32:38,760
Speaker 1: I don't think so, because the usually, you know, people

682
00:32:38,800 --> 00:32:40,600
Speaker 1: will because it's it's not the kind of dress that

683
00:32:40,600 --> 00:32:43,400
Speaker 1: it's like, hey, this is so Budgeanisa. It's literally like

684
00:32:43,440 --> 00:32:46,120
Speaker 1: a shirt dress, and I'm like, I thought, I called

685
00:32:46,160 --> 00:32:47,959
Speaker 1: my sisters to see if anybody send me, but they

686
00:32:47,960 --> 00:32:49,840
Speaker 1: know my size. They wouldn't have got me the size,

687
00:32:50,000 --> 00:32:52,120
Speaker 1: so I think maybe because it's not like I've never

688
00:32:52,280 --> 00:32:56,000
Speaker 1: ordered from Banana or Gap before, so I feel like

689
00:32:56,040 --> 00:32:58,800
Speaker 1: there's probably with some glitch. And someone ordered a dress

690
00:32:58,960 --> 00:33:01,040
Speaker 1: and for some reason, and my name got put on it,

691
00:33:01,080 --> 00:33:03,040
Speaker 1: and I was like, well, I don't know who to

692
00:33:03,040 --> 00:33:06,160
Speaker 1: return it to because when I opened it, I should

693
00:33:06,200 --> 00:33:08,239
Speaker 1: have known anyway, because I was like, ooh, something from

694
00:33:08,280 --> 00:33:10,200
Speaker 1: the Gap. I haven't ordered anything from the Gap, and

695
00:33:10,240 --> 00:33:12,200
Speaker 1: I was like, ooh, key dress. And then it hit

696
00:33:12,240 --> 00:33:13,960
Speaker 1: me like because my sister buys my clothes, so I

697
00:33:14,000 --> 00:33:15,360
Speaker 1: thought maybe she ordered it. Then I looked at the

698
00:33:15,400 --> 00:33:17,240
Speaker 1: size and I was like, this is not my sign.

699
00:33:18,320 --> 00:33:21,320
Speaker 1: I'll be giving away size eight dress.

700
00:33:21,800 --> 00:33:22,760
Speaker 2: That's only.

701
00:33:24,000 --> 00:33:25,520
Speaker 1: I know, right. I was like, oh, I remember those

702
00:33:25,600 --> 00:33:26,320
Speaker 1: days and eight.

703
00:33:27,680 --> 00:33:32,680
Speaker 2: I think I came out of Smooth Starts twelve. I

704
00:33:32,720 --> 00:33:34,760
Speaker 2: don't know that I ever had a size eight moment.

705
00:33:35,360 --> 00:33:38,200
Speaker 1: No. I used to be like, I used to be

706
00:33:39,120 --> 00:33:41,400
Speaker 1: like a like a solid six for a long time.

707
00:33:41,440 --> 00:33:43,760
Speaker 1: I can't even imagine now, Oh my god, my thigh

708
00:33:43,880 --> 00:33:45,680
Speaker 1: alone is not sick. But I used to be a

709
00:33:45,720 --> 00:33:48,240
Speaker 1: solid six, I would say all through high school. Well

710
00:33:48,320 --> 00:33:50,520
Speaker 1: high school probably was because I was I was really skinny,

711
00:33:50,560 --> 00:33:53,200
Speaker 1: but not in a cute way like in a are

712
00:33:53,200 --> 00:33:55,360
Speaker 1: you okay? I take Tiffany to the doctor, where like

713
00:33:55,400 --> 00:33:56,880
Speaker 1: my mom used to literally take me to the doctor

714
00:33:56,920 --> 00:33:58,959
Speaker 1: and say it's something wrong with her. So I was

715
00:33:59,080 --> 00:34:01,960
Speaker 1: boned because I was so tall to be so skinny,

716
00:34:02,520 --> 00:34:04,200
Speaker 1: Like like I look back at pictures and I'm like,

717
00:34:04,240 --> 00:34:06,640
Speaker 1: I don't think I was eating. And then and then

718
00:34:06,720 --> 00:34:08,680
Speaker 1: in college, I was a solid six, and I would

719
00:34:08,680 --> 00:34:11,680
Speaker 1: say I was a six, a good six until late twenties.

720
00:34:12,200 --> 00:34:14,239
Speaker 1: And then I moved into a and now you know

721
00:34:14,400 --> 00:34:17,840
Speaker 1: who's mosy on in and settling into ten twelve, And

722
00:34:17,880 --> 00:34:19,800
Speaker 1: I'm like, well, such as life.

723
00:34:20,280 --> 00:34:25,040
Speaker 2: And so I think there's something really just you know,

724
00:34:26,200 --> 00:34:29,040
Speaker 2: formational about having stretch marks at the age of thirteen,

725
00:34:29,360 --> 00:34:32,680
Speaker 2: Like it really made me the woman that I am today.

726
00:34:32,719 --> 00:34:36,960
Speaker 2: And I just want to think my thirteen you know WHOA.

727
00:34:37,400 --> 00:34:40,040
Speaker 1: I just can't. It's so hard because the other day

728
00:34:40,040 --> 00:34:42,239
Speaker 1: I was so worried about Supergirl because I was like, like,

729
00:34:42,320 --> 00:34:45,400
Speaker 1: she's she's an eater. She eats, you know, and she

730
00:34:45,840 --> 00:34:49,040
Speaker 1: does not gymnastics. She does cheerlead. She really loves dancing,

731
00:34:49,120 --> 00:34:51,160
Speaker 1: so we put her in dance class sometimes, but right

732
00:34:51,200 --> 00:34:53,720
Speaker 1: now she's really into cheerleading, so she does that every weekend.

733
00:34:54,040 --> 00:34:56,600
Speaker 1: And so that's her, you know, besides Jim. That's her

734
00:34:56,760 --> 00:35:00,680
Speaker 1: form of exercise, you know, and unt like I just

735
00:35:00,760 --> 00:35:03,160
Speaker 1: noticed lately that, like I'm like, oh, you want dinner? No,

736
00:35:03,200 --> 00:35:05,319
Speaker 1: I'm okay, And I'm like, wait, you know that's how

737
00:35:05,360 --> 00:35:07,600
Speaker 1: it starts because we don't we don't talk to her

738
00:35:07,640 --> 00:35:10,200
Speaker 1: about her weight, so there's never any you can't eat

739
00:35:10,200 --> 00:35:11,600
Speaker 1: that that'sid you know, like you.

740
00:35:11,600 --> 00:35:13,000
Speaker 2: Know, I mean too, she just seems to be a

741
00:35:13,000 --> 00:35:16,319
Speaker 2: woman in the world. I'm like, na, the world will

742
00:35:16,400 --> 00:35:16,839
Speaker 2: ruin her.

743
00:35:17,520 --> 00:35:19,160
Speaker 1: And I just feel so bad because I'm just like,

744
00:35:19,200 --> 00:35:19,719
Speaker 1: what's going on.

745
00:35:19,760 --> 00:35:22,880
Speaker 2: I'm like TV, Internet, social media, It'll take care of

746
00:35:22,920 --> 00:35:23,279
Speaker 2: it for you.

747
00:35:23,680 --> 00:35:25,839
Speaker 1: And I'm like, are you know you're not hungry, and

748
00:35:25,880 --> 00:35:30,040
Speaker 1: she's just like, I'm like, it's you came home from

749
00:35:30,040 --> 00:35:32,879
Speaker 1: school had nothing. It's now like, you know, six or seven,

750
00:35:32,880 --> 00:35:35,000
Speaker 1: you have to be hungry. So that just worries. You know.

751
00:35:35,040 --> 00:35:37,840
Speaker 1: We talk about eating healthy, so we like when I

752
00:35:37,840 --> 00:35:39,719
Speaker 1: go food chopping, I take her to whole foods with me,

753
00:35:39,800 --> 00:35:43,080
Speaker 1: and we pick out like healthy snacks, and so there

754
00:35:43,160 --> 00:35:45,360
Speaker 1: is no restriction about her, you know, going because we

755
00:35:45,400 --> 00:35:48,240
Speaker 1: don't have anything. We don't I don't buy anything crazy.

756
00:35:48,280 --> 00:35:49,880
Speaker 1: So that because I want her to feel free to

757
00:35:49,920 --> 00:35:51,360
Speaker 1: be like I can always get an orange or a

758
00:35:51,400 --> 00:35:53,759
Speaker 1: banana or a pair or you know, a lour bar

759
00:35:53,920 --> 00:35:57,960
Speaker 1: or whatever, you know, like whatever like pretzels or so

760
00:35:58,000 --> 00:35:59,960
Speaker 1: I always make sure that everything in the house is

761
00:36:00,120 --> 00:36:03,319
Speaker 1: something that if she ate it. It's not like even

762
00:36:03,360 --> 00:36:04,879
Speaker 1: the juice that we get, like we don't really get

763
00:36:04,960 --> 00:36:08,799
Speaker 1: juice much, but even like her juice boxes are like

764
00:36:08,840 --> 00:36:11,360
Speaker 1: the honest juice boxes, we're like ten percent juice and

765
00:36:11,400 --> 00:36:15,160
Speaker 1: like ninety percent water, you know. So yeah, and I

766
00:36:15,520 --> 00:36:17,520
Speaker 1: purposely was like, no, I don't want her to worry

767
00:36:17,560 --> 00:36:19,399
Speaker 1: about her weight, so we don't, you know, as long

768
00:36:19,440 --> 00:36:22,360
Speaker 1: as we teach her to eat healthy and she's fine

769
00:36:22,440 --> 00:36:26,000
Speaker 1: her you know, she's twelve, so her size is fine,

770
00:36:26,520 --> 00:36:28,560
Speaker 1: you know, as far as the doctor's concern, that's all

771
00:36:28,600 --> 00:36:29,920
Speaker 1: I worry about. As long as the doctor says that

772
00:36:29,960 --> 00:36:33,480
Speaker 1: you're fine, then you're fine. Because there's diabetes that runs

773
00:36:33,480 --> 00:36:36,560
Speaker 1: in Superman's family and he at one point was pre

774
00:36:36,640 --> 00:36:39,520
Speaker 1: diabetic even though he is. I mean, the man is

775
00:36:40,640 --> 00:36:43,560
Speaker 1: if he was a woman, he'd be like for his side,

776
00:36:43,560 --> 00:36:46,080
Speaker 1: he'd be like a size four. He's so skinny, like

777
00:36:46,160 --> 00:36:48,000
Speaker 1: not in a bad way, but you know, so you

778
00:36:48,120 --> 00:36:51,279
Speaker 1: people think of like pre diabetic or diabetes as like, oh,

779
00:36:51,360 --> 00:36:53,520
Speaker 1: because you're overweight. I mean, nothing could be further than

780
00:36:53,520 --> 00:36:56,880
Speaker 1: the truth. Like his job is really physical, so he

781
00:36:57,000 --> 00:37:00,000
Speaker 1: is constantly moving. He's in really great shape and even

782
00:37:00,000 --> 00:37:02,440
Speaker 1: and so that's what worries me is that, you know,

783
00:37:02,800 --> 00:37:06,399
Speaker 1: I know that runs in their family. So we meet

784
00:37:06,800 --> 00:37:11,400
Speaker 1: Superman and Supermom, super Supergirl's mom. We are very conscious

785
00:37:11,400 --> 00:37:14,960
Speaker 1: about making sure that she knows how to eat right.

786
00:37:15,160 --> 00:37:17,440
Speaker 1: So that way, because she looks just like her grandmother

787
00:37:17,480 --> 00:37:21,640
Speaker 1: and his Superman's grandmother, I'm a mother past and she

788
00:37:21,760 --> 00:37:25,000
Speaker 1: was like in her early fifties and she slipped into

789
00:37:25,000 --> 00:37:27,960
Speaker 1: a diabetic coma and just never woke up. And so

790
00:37:28,200 --> 00:37:30,760
Speaker 1: that's something that you know, it's like on my mind

791
00:37:30,840 --> 00:37:33,440
Speaker 1: just to make sure that, like, okay, that she's healthy.

792
00:37:33,520 --> 00:37:36,120
Speaker 1: I just this whole weight thing. I don't want her

793
00:37:36,160 --> 00:37:38,319
Speaker 1: to worry about it, but it's hard for girls because

794
00:37:38,320 --> 00:37:41,520
Speaker 1: it's always an issue. And she's tall, for her age, Like,

795
00:37:41,800 --> 00:37:43,319
Speaker 1: I don't realize how tall she is until I see

796
00:37:43,320 --> 00:37:46,160
Speaker 1: the other kids, and I'm like, wait, Supergirl's really tall.

797
00:37:46,320 --> 00:37:48,600
Speaker 1: Well he's six six, So I knew she was going

798
00:37:48,680 --> 00:37:50,160
Speaker 1: to be tall because we're the same height, and we

799
00:37:50,200 --> 00:37:51,960
Speaker 1: were the same sized shoes. And she's twelve and I'm

800
00:37:52,000 --> 00:37:56,520
Speaker 1: thirty nine. But yeah, I'm just it's hard. I'm like, now,

801
00:37:56,560 --> 00:37:58,200
Speaker 1: you know you want to protect kids from like all

802
00:37:58,320 --> 00:38:02,040
Speaker 1: the like feeling bad about yourself, but you don't know.

803
00:38:02,480 --> 00:38:03,560
Speaker 1: What do you say? What do you do?

804
00:38:03,560 --> 00:38:05,239
Speaker 2: You find out how I write the book and I'll

805
00:38:05,280 --> 00:38:05,600
Speaker 2: buy it.

806
00:38:06,000 --> 00:38:06,439
Speaker 1: I know.

807
00:38:07,880 --> 00:38:09,600
Speaker 2: She'll be fine. I mean I went through such hell

808
00:38:09,680 --> 00:38:15,080
Speaker 2: when I was a kid, and I'm fine, she'll be fine.

809
00:38:15,520 --> 00:38:17,520
Speaker 2: I had no support. My mom was like, you know,

810
00:38:17,719 --> 00:38:20,719
Speaker 2: eighties babies. She was like, just you're fed, here are

811
00:38:20,719 --> 00:38:22,280
Speaker 2: some you know, you ate a sleeve of Ritz crackers

812
00:38:22,360 --> 00:38:23,520
Speaker 2: or you're not hungry, good.

813
00:38:25,320 --> 00:38:31,120
Speaker 1: Let's cook it for me, right? Yeah? Anything? What do

814
00:38:31,120 --> 00:38:31,960
Speaker 1: you do with Mother's Day?

815
00:38:34,440 --> 00:38:35,880
Speaker 2: We only have twelve? You want to rooin the end

816
00:38:35,920 --> 00:38:39,560
Speaker 2: of the show, I'm talking about my mother in law. No,

817
00:38:39,680 --> 00:38:42,560
Speaker 2: I just got the I got the phone call from

818
00:38:42,600 --> 00:38:44,400
Speaker 2: my mother in law or no, I called her and

819
00:38:44,440 --> 00:38:46,560
Speaker 2: I just got yelled at for not calling her enough.

820
00:38:46,640 --> 00:38:49,239
Speaker 2: So we will be going to her house for Mother's Day.

821
00:38:50,680 --> 00:38:53,160
Speaker 2: And I still stand by my statement that there's a

822
00:38:53,160 --> 00:38:56,280
Speaker 2: double standard that my mother is not calling my husband

823
00:38:56,360 --> 00:38:58,279
Speaker 2: and berating him for not calling him all the time.

824
00:38:58,320 --> 00:39:01,800
Speaker 2: But I sure do get those guilt trips. Yes, yeah,

825
00:39:01,840 --> 00:39:04,400
Speaker 2: so if you're a daughter in law out there, daughter,

826
00:39:04,560 --> 00:39:06,400
Speaker 2: I feel you on that one. But let's get to

827
00:39:06,480 --> 00:39:07,560
Speaker 2: some questions.

828
00:39:07,719 --> 00:39:09,799
Speaker 1: If you don't want what I forgot, I'm like, wait

829
00:39:09,800 --> 00:39:10,120
Speaker 1: a minute.

830
00:39:10,120 --> 00:39:12,759
Speaker 2: I was like, we got to go, I got to

831
00:39:12,880 --> 00:39:16,759
Speaker 2: train to catch and a dog that I'm sorry to defcate.

832
00:39:16,960 --> 00:39:19,680
Speaker 1: Let's get to one question. Let's do that so we can't.

833
00:39:19,960 --> 00:39:22,800
Speaker 2: Okay, cool speak. Well, it's related that this is actually

834
00:39:22,840 --> 00:39:25,040
Speaker 2: from an old friend of mine used to live here

835
00:39:25,040 --> 00:39:27,240
Speaker 2: in New York City. Since us a question. Her name's Malaca,

836
00:39:28,200 --> 00:39:30,440
Speaker 2: and Malica's got the cutest little girl, Oh my god,

837
00:39:30,520 --> 00:39:35,360
Speaker 2: Lucy just turned four according to Instagram. And Melika is

838
00:39:35,400 --> 00:39:38,399
Speaker 2: such a good mommy, Like I love watching U all

839
00:39:38,440 --> 00:39:40,359
Speaker 2: their their life. They've moved to the West Coast from

840
00:39:40,400 --> 00:39:43,640
Speaker 2: New York City and her I just love watching her

841
00:39:43,680 --> 00:39:46,320
Speaker 2: and her little girl. But she has a good question

842
00:39:46,400 --> 00:39:50,840
Speaker 2: about feeling like she's behind on saving for Lucy's college fund.

843
00:39:50,920 --> 00:39:52,920
Speaker 2: And if I know that you've got all kinds of

844
00:39:52,960 --> 00:39:55,719
Speaker 2: fun set up for your nieces and nephews and Super Bowl,

845
00:39:55,760 --> 00:39:59,480
Speaker 2: so this is a good question for us, Melaca says,

846
00:39:59,640 --> 00:40:01,840
Speaker 2: I feel I've been pretty good so far making financial

847
00:40:01,840 --> 00:40:04,279
Speaker 2: decisions for my family. I have no credit card or

848
00:40:04,320 --> 00:40:07,400
Speaker 2: school loan debt. We're both contributing to our four to

849
00:40:07,440 --> 00:40:10,160
Speaker 2: one k. We bought a house last year with proceeds

850
00:40:10,200 --> 00:40:12,840
Speaker 2: from oh her father passed away, my dad's life insurance,

851
00:40:13,280 --> 00:40:16,000
Speaker 2: and we can comfort comfortably a fourd or mortgage payment.

852
00:40:16,040 --> 00:40:18,080
Speaker 2: But we haven't put away a penny for our daughter,

853
00:40:18,160 --> 00:40:23,399
Speaker 2: Lucy's college fund. Sometimes I think it's fine, she's only three, well,

854
00:40:23,400 --> 00:40:26,080
Speaker 2: now she's four. But then I'm thinking, like, oh my god,

855
00:40:26,080 --> 00:40:28,440
Speaker 2: we should have saved tens of thousands of dollars by now,

856
00:40:28,480 --> 00:40:31,280
Speaker 2: and she has no hope of ever being debt free.

857
00:40:31,719 --> 00:40:34,440
Speaker 2: So her question is where do I begin. I know

858
00:40:34,560 --> 00:40:37,200
Speaker 2: about five, two nine plans, but I don't know what

859
00:40:37,280 --> 00:40:39,920
Speaker 2: I need to open one. Also, I don't know how

860
00:40:40,000 --> 00:40:42,720
Speaker 2: much we should be putting aside for our daughter each month.

861
00:40:43,880 --> 00:40:47,560
Speaker 2: How much will college cost in twenty thirty three help me.

862
00:40:49,560 --> 00:40:55,800
Speaker 1: Who jah five nine plan. It's a good place to start.

863
00:40:56,760 --> 00:40:58,799
Speaker 1: When people say how much did they put? Aside, I

864
00:40:58,840 --> 00:41:00,680
Speaker 1: mean I say, any is better than.

865
00:41:00,600 --> 00:41:02,919
Speaker 2: Nothing, right, like fifty dollars a month.

866
00:41:03,400 --> 00:41:05,960
Speaker 1: Yeah, that's what I do for like the you know,

867
00:41:06,080 --> 00:41:08,759
Speaker 1: for now, I think supercar, I think I put one

868
00:41:08,800 --> 00:41:10,640
Speaker 1: hundred dollars, But then I put fifty bucks for like

869
00:41:10,680 --> 00:41:14,879
Speaker 1: my nieces and my nephew, and so anything is better

870
00:41:14,880 --> 00:41:18,200
Speaker 1: than nothing, quite honestly, because who knows. Who knows if

871
00:41:18,200 --> 00:41:20,319
Speaker 1: college will even be a thing by the time she

872
00:41:20,400 --> 00:41:21,200
Speaker 1: gets to college.

873
00:41:22,920 --> 00:41:24,799
Speaker 2: Well, that's the thing about five two nine plans when

874
00:41:24,840 --> 00:41:26,759
Speaker 2: you put money, at least the way that the legislator

875
00:41:26,960 --> 00:41:30,000
Speaker 2: the tax codes written now, because five two nine plans

876
00:41:30,000 --> 00:41:32,560
Speaker 2: are part of the tax code. When you put money

877
00:41:32,560 --> 00:41:34,920
Speaker 2: into a five two nine savings plan, you have to

878
00:41:35,040 --> 00:41:38,200
Speaker 2: use that money for education. With the most recent tax

879
00:41:38,239 --> 00:41:41,480
Speaker 2: reform changes, they did stretch that out. So before you

880
00:41:41,560 --> 00:41:44,080
Speaker 2: could only use it for college education or higher education,

881
00:41:44,600 --> 00:41:46,800
Speaker 2: but now you can also use it for private tuition

882
00:41:47,000 --> 00:41:49,640
Speaker 2: for like private schools and stuff through K through twelve,

883
00:41:50,120 --> 00:41:52,600
Speaker 2: which people were happy about. I think it's up to

884
00:41:52,640 --> 00:41:54,520
Speaker 2: ten thousand dollars a year or something like that. I

885
00:41:54,560 --> 00:41:57,360
Speaker 2: can share. I'll share a link with details on the

886
00:41:57,360 --> 00:41:59,520
Speaker 2: new rules on five two nines. But yeah, you're limited

887
00:41:59,520 --> 00:42:01,880
Speaker 2: in what you can use it for, so some parents

888
00:42:01,960 --> 00:42:04,920
Speaker 2: I know opt instead to do something like an IRA.

889
00:42:05,880 --> 00:42:07,799
Speaker 2: Just open up an IRA in your child's name, like

890
00:42:07,840 --> 00:42:11,560
Speaker 2: custodial IRA, and then you can put money into that

891
00:42:11,600 --> 00:42:15,520
Speaker 2: account on the side. But you know, whatever you choose,

892
00:42:15,520 --> 00:42:17,279
Speaker 2: even if it's just a basic savings account, you know,

893
00:42:18,080 --> 00:42:20,000
Speaker 2: you know, I'm not even going to fault you, even

894
00:42:20,000 --> 00:42:23,320
Speaker 2: though yeah, technically in eighteen years will you have beat inflation?

895
00:42:23,480 --> 00:42:26,640
Speaker 2: Probably not, but hell, you saved probably a good chunk

896
00:42:26,640 --> 00:42:29,759
Speaker 2: of change for your kid without the stress of you know,

897
00:42:29,840 --> 00:42:32,000
Speaker 2: investing it because five to two nine plans are a

898
00:42:32,040 --> 00:42:36,120
Speaker 2: type of investment plan, as are an IRA plan. So

899
00:42:36,280 --> 00:42:39,560
Speaker 2: if you're not quite ready for that, like as a baby, step,

900
00:42:39,800 --> 00:42:41,960
Speaker 2: just maybe set up a savings account for her and

901
00:42:42,000 --> 00:42:44,439
Speaker 2: put money in it until you're sure what you want

902
00:42:44,440 --> 00:42:46,640
Speaker 2: to do, like as far as a five two nine

903
00:42:46,760 --> 00:42:49,080
Speaker 2: or a WRATH And even if you just want to,

904
00:42:49,120 --> 00:42:52,200
Speaker 2: like hire a financial planner for the one hour consultation

905
00:42:52,880 --> 00:42:54,920
Speaker 2: to give you direction on how to get started and

906
00:42:54,920 --> 00:42:57,319
Speaker 2: set the accounts up. I think that's a good use

907
00:42:57,360 --> 00:42:58,279
Speaker 2: of a couple hundred bucks.

908
00:42:58,320 --> 00:43:00,839
Speaker 1: I think I think so too one, because that's something

909
00:43:00,840 --> 00:43:02,360
Speaker 1: I want to do because I have savings accounts for

910
00:43:02,400 --> 00:43:04,960
Speaker 1: everyone and I and I know because I'm a little

911
00:43:05,000 --> 00:43:06,560
Speaker 1: gun shyt the five to two nine, because I'm like,

912
00:43:06,560 --> 00:43:08,080
Speaker 1: what if they want to what if they don't want

913
00:43:08,080 --> 00:43:09,319
Speaker 1: to go to school? What do they want to start

914
00:43:09,360 --> 00:43:10,920
Speaker 1: a business? What? You know what I mean, like, I

915
00:43:11,640 --> 00:43:14,319
Speaker 1: you know, I have I have savings accounts and I

916
00:43:14,360 --> 00:43:18,640
Speaker 1: made their their parents, Uh not a custodian? What is

917
00:43:18,680 --> 00:43:22,359
Speaker 1: that when you're like, uh something, if I were to die,

918
00:43:22,440 --> 00:43:24,839
Speaker 1: they could get ownership of the account of sharing. Yes,

919
00:43:25,040 --> 00:43:28,080
Speaker 1: there you go. And so I just did that for now.

920
00:43:28,400 --> 00:43:30,880
Speaker 1: But then I'm hiring a financial plan. I'm in the

921
00:43:30,920 --> 00:43:33,440
Speaker 1: last well actually I picked one, and so that's one

922
00:43:33,480 --> 00:43:34,840
Speaker 1: of the things on my list with her is to

923
00:43:34,880 --> 00:43:37,200
Speaker 1: say what do I do with this money? And because

924
00:43:37,200 --> 00:43:39,000
Speaker 1: I don't know that each kid is going to want

925
00:43:39,000 --> 00:43:40,400
Speaker 1: to go to college, and I don't want it to

926
00:43:40,480 --> 00:43:42,160
Speaker 1: necessarily have to go to school, but I want to

927
00:43:42,200 --> 00:43:45,400
Speaker 1: set it aside for them.

928
00:43:45,440 --> 00:43:49,520
Speaker 2: So yeah, I mean start small, like start like you would,

929
00:43:49,640 --> 00:43:52,359
Speaker 2: you know, saving for your own nest egg, Like if

930
00:43:52,360 --> 00:43:54,239
Speaker 2: you're not ready for further for one K start that

931
00:43:54,280 --> 00:43:57,359
Speaker 2: little side savings account. A lot of my friends have

932
00:43:57,400 --> 00:43:59,480
Speaker 2: small kids now, and what I love is around the

933
00:43:59,640 --> 00:44:02,520
Speaker 2: around the kids' birthdays or holidays and stuff. Those who

934
00:44:02,600 --> 00:44:05,399
Speaker 2: have the five two nine plans, almost all these five

935
00:44:05,400 --> 00:44:07,600
Speaker 2: to two nine websites now have a like You have

936
00:44:07,640 --> 00:44:09,760
Speaker 2: a unique link that you can send toffriends and family,

937
00:44:09,800 --> 00:44:11,400
Speaker 2: and then you can just like put money in that

938
00:44:11,480 --> 00:44:14,399
Speaker 2: child's five to two nine plan account, which makes gift

939
00:44:14,400 --> 00:44:16,719
Speaker 2: getting really easy. And then you're not just you're not

940
00:44:16,760 --> 00:44:20,360
Speaker 2: just saving by yourself. So there's pros and cons to each.

941
00:44:20,880 --> 00:44:23,440
Speaker 2: I'll send some links to some explainers on the five

942
00:44:23,480 --> 00:44:26,560
Speaker 2: two nine, but honestly, I think it's worth just hire

943
00:44:26,600 --> 00:44:29,239
Speaker 2: an expert for an hour to get you set up.

944
00:44:29,600 --> 00:44:31,520
Speaker 2: And there's you know, every state has their own five

945
00:44:31,560 --> 00:44:33,040
Speaker 2: to two nine plan, but you don't have to use

946
00:44:33,040 --> 00:44:35,719
Speaker 2: your states. You can use other states plans if you want,

947
00:44:35,760 --> 00:44:37,400
Speaker 2: so there's different options out there. It can be a

948
00:44:37,400 --> 00:44:42,760
Speaker 2: little overwhelming, so maybe it's worth investing in some expert advice.

949
00:44:43,280 --> 00:44:45,879
Speaker 1: I agree, honestly, to me, it just is, I mean,

950
00:44:45,880 --> 00:44:48,640
Speaker 1: more and more I realize I'm like if I had

951
00:44:48,640 --> 00:44:50,000
Speaker 1: boken up, but do you break a wronge and you

952
00:44:50,080 --> 00:44:52,760
Speaker 1: go see a doctor and you pay that copay or whatever,

953
00:44:53,120 --> 00:44:55,800
Speaker 1: because it's worth it, and it will be the shortcut

954
00:44:55,840 --> 00:44:58,160
Speaker 1: to putting in in the right place. You'll make that

955
00:44:58,239 --> 00:45:01,560
Speaker 1: money back in you know, whatever the investment yields, or

956
00:45:01,600 --> 00:45:04,840
Speaker 1: savings over the life of your of that savings for

957
00:45:04,880 --> 00:45:06,080
Speaker 1: your child. So it's worth that.

958
00:45:07,000 --> 00:45:08,680
Speaker 2: Yeah. And if you guys are doubt free and you

959
00:45:08,760 --> 00:45:10,880
Speaker 2: have a house that you can afford, like, you're already

960
00:45:10,920 --> 00:45:14,719
Speaker 2: giving her such a happy financial like environment to live

961
00:45:14,760 --> 00:45:17,239
Speaker 2: in that you should pat yourself on the back for

962
00:45:17,280 --> 00:45:20,080
Speaker 2: that too. Love you, Malika. Nice to hear from you.

963
00:45:20,160 --> 00:45:22,319
Speaker 2: It's been a long time. Okay. We did one more

964
00:45:22,400 --> 00:45:24,640
Speaker 2: quick one because I saw on my Facebook that I

965
00:45:24,680 --> 00:45:27,160
Speaker 2: didn't realize someone that sent us a question on the Facebook.

966
00:45:27,600 --> 00:45:30,520
Speaker 2: Where did it go? So from listener don Nell, she says,

967
00:45:32,280 --> 00:45:34,799
Speaker 2: you can use my question on the show. So in

968
00:45:34,800 --> 00:45:36,880
Speaker 2: one of our previous episodes, we had talked about an

969
00:45:36,880 --> 00:45:39,480
Speaker 2: emergency fund. She said she always thought that an emergency

970
00:45:39,520 --> 00:45:41,640
Speaker 2: fund was the same as a savings account. Listening to

971
00:45:41,640 --> 00:45:44,080
Speaker 2: our discussion last week, it sounded like two different things.

972
00:45:44,080 --> 00:45:47,080
Speaker 2: Can we explain the difference between an emergency fund and

973
00:45:47,160 --> 00:45:47,960
Speaker 2: a savings account.

974
00:45:51,000 --> 00:45:51,880
Speaker 1: It can't be the same.

975
00:45:53,280 --> 00:45:56,680
Speaker 2: I'd like to treat them differently. So I'm a big

976
00:45:56,719 --> 00:45:59,279
Speaker 2: fan of like. So, first of all, an emergency fund

977
00:45:59,280 --> 00:46:00,480
Speaker 2: is saved in a saving account like.

978
00:46:00,480 --> 00:46:02,640
Speaker 1: A safe Yes, that's what I thought you met.

979
00:46:02,640 --> 00:46:04,440
Speaker 2: I was like, wait, what savings account is just a

980
00:46:04,520 --> 00:46:07,279
Speaker 2: vehicle to save You can call it whatever you want.

981
00:46:07,360 --> 00:46:09,279
Speaker 2: It can be your college fund account, it can be

982
00:46:09,360 --> 00:46:12,400
Speaker 2: your emergency fund account, it can be a you know,

983
00:46:12,680 --> 00:46:16,480
Speaker 2: fu on ata here account. The point is that you

984
00:46:16,560 --> 00:46:18,640
Speaker 2: have a purpose for what you're saving for. And because

985
00:46:18,640 --> 00:46:22,000
Speaker 2: we have different goals in our lives sometimes and not

986
00:46:22,480 --> 00:46:24,239
Speaker 2: different goals in our lives. And then also when it

987
00:46:24,239 --> 00:46:27,040
Speaker 2: comes to the goal of having emergency funds, think about

988
00:46:27,080 --> 00:46:28,880
Speaker 2: the money that is in that account and how you

989
00:46:28,880 --> 00:46:30,919
Speaker 2: want to use it. You only want to dip into

990
00:46:30,960 --> 00:46:34,280
Speaker 2: it when it's truly an emergency. So to prevent yourself

991
00:46:34,280 --> 00:46:36,320
Speaker 2: from dipping into it when like, oh, you know, you

992
00:46:36,360 --> 00:46:39,160
Speaker 2: want to get that dress, or you had a light

993
00:46:39,200 --> 00:46:42,520
Speaker 2: bill that was more expensive than normal, separating that emergency

994
00:46:42,560 --> 00:46:46,760
Speaker 2: fund like having two savings accounts, one for general savings

995
00:46:46,800 --> 00:46:50,359
Speaker 2: and then one specifically for emergencies. That is like maybe

996
00:46:50,400 --> 00:46:51,920
Speaker 2: it's at a different bank that you don't even have

997
00:46:51,920 --> 00:46:54,160
Speaker 2: a debit card for like it's harder to get to.

998
00:46:54,320 --> 00:46:56,760
Speaker 2: It's far away, it's out of sight, out of mind.

999
00:46:57,400 --> 00:47:00,880
Speaker 2: Maybe you're like automatically contributing to it from your paycheck

1000
00:47:00,920 --> 00:47:06,040
Speaker 2: each month. That's what I consider. Uh, that's how I

1001
00:47:06,080 --> 00:47:07,960
Speaker 2: like to treat an emergency fund. But yeah, you can

1002
00:47:08,000 --> 00:47:10,759
Speaker 2: call your regular savings an emergency fund. I just think

1003
00:47:10,800 --> 00:47:13,560
Speaker 2: it's important to label your savings account so yeatly yep,

1004
00:47:14,120 --> 00:47:16,880
Speaker 2: like you know, it's less, it's it just adds like

1005
00:47:16,920 --> 00:47:17,760
Speaker 2: a mental block.

1006
00:47:18,719 --> 00:47:20,759
Speaker 1: And I mean I honestly label. I literally have a

1007
00:47:20,800 --> 00:47:23,440
Speaker 1: checking account that I call my bills account. I have

1008
00:47:23,480 --> 00:47:25,600
Speaker 1: a checking account where my money lands that I call

1009
00:47:25,640 --> 00:47:28,320
Speaker 1: my deposit account. Like on you can literally go online

1010
00:47:28,680 --> 00:47:31,200
Speaker 1: and name them so as you're pulling up your accounts,

1011
00:47:31,200 --> 00:47:34,200
Speaker 1: you can see, like, oh, I've got a bill's account

1012
00:47:34,200 --> 00:47:36,640
Speaker 1: and a deposit account. And same as Mandy said, I

1013
00:47:37,080 --> 00:47:40,759
Speaker 1: use an online only bank for my emergency account and

1014
00:47:40,800 --> 00:47:44,760
Speaker 1: it's literally called emergency. And I have a separate savings

1015
00:47:44,800 --> 00:47:48,840
Speaker 1: account for when I was saving for the house, called

1016
00:47:48,880 --> 00:47:52,200
Speaker 1: like savings, and I have one for myself and Superman

1017
00:47:52,280 --> 00:47:54,319
Speaker 1: and it's called like us. So you can label them

1018
00:47:54,360 --> 00:47:57,360
Speaker 1: and making those transfers. So the key is yes not.

1019
00:47:57,960 --> 00:48:02,000
Speaker 1: I like having my emergency account where I don't have

1020
00:48:02,040 --> 00:48:04,239
Speaker 1: a checking account, so I can't make easy transfers and

1021
00:48:04,239 --> 00:48:07,000
Speaker 1: spend it because you know, with the savings account you can't.

1022
00:48:08,320 --> 00:48:10,799
Speaker 1: It's not like you can like go go get your

1023
00:48:10,800 --> 00:48:13,040
Speaker 1: money and like, oh, you can't use a card to

1024
00:48:13,040 --> 00:48:14,880
Speaker 1: spend your money. That's a checking account. So I like

1025
00:48:14,920 --> 00:48:18,239
Speaker 1: to make my emergency fund inconvenient because it makes it

1026
00:48:18,280 --> 00:48:20,320
Speaker 1: more likely for it to be saved. Plus, an online

1027
00:48:20,320 --> 00:48:22,080
Speaker 1: only bank, they tend to have higher interest rates that

1028
00:48:22,160 --> 00:48:24,400
Speaker 1: they pay out because they don't have the brick and mortar,

1029
00:48:24,760 --> 00:48:26,319
Speaker 1: like the rant and all that kind of stuff that

1030
00:48:26,440 --> 00:48:27,920
Speaker 1: like big major banks normally do.

1031
00:48:28,800 --> 00:48:31,920
Speaker 2: Ype Well, thanks for your question, don now thank you

1032
00:48:31,960 --> 00:48:34,560
Speaker 2: all for your questions. You can send us your questions.

1033
00:48:35,200 --> 00:48:37,120
Speaker 2: The best way is through our website. I don't check

1034
00:48:37,160 --> 00:48:40,360
Speaker 2: Facebook as often, so go to Broadnambition podcast dot com

1035
00:48:40,520 --> 00:48:44,040
Speaker 2: click click ask us anything, or you can shoot us

1036
00:48:44,080 --> 00:48:47,600
Speaker 2: a note directly at Brandnambition Podcasts at gmail dot com

1037
00:48:47,640 --> 00:48:50,480
Speaker 2: dot com. Love hearing from you guys. Thank you so

1038
00:48:50,600 --> 00:48:52,799
Speaker 2: much for listening to the show.

1039
00:48:53,440 --> 00:49:07,240
Speaker 1: Yes, I'm this job, but I'm bet