Speaker 1: Hey, hey, hey, I'm back. We're black, We're brown. It's Tiffany.
Speaker 2: Hey, guys, happy brown ambition Wednesday. It's Mandy.
Speaker 1: Yeah, so my dad about last week, guys, I was
Speaker 1: on a plane and I miscalculated that pst to ees
Speaker 1: T is a tricky one.
Speaker 2: They don't need to know that we messed up. Well,
Speaker 2: we meant to do a rerun last week. It wasn't
Speaker 2: at all because Tiffany screwed up.
Speaker 1: The schedule right six in the morning. So I was like, oh, Mandy,
Speaker 1: see this before I get on this flight.
Speaker 2: Guilty concience, you have to like mess up.
Speaker 1: I do. I do feel guilty. I was like, next,
Speaker 1: I feel like I was just away and now then
Speaker 1: I was gone again. That's okay.
Speaker 2: We're human beings, fear.
Speaker 1: Not well, So what's new? And in the in the
Speaker 1: world of Molly and Molly and then I'm gonna call
Speaker 1: you and and husband Molly and.
Speaker 2: Then Molly nam Oh, Molly's naughty. She got out of
Speaker 2: the fence yesterday and my husband didn't notice. He was
Speaker 2: out there doing some yard work. And I usually track
Speaker 2: her on the nest cam. I'll have the app up
Speaker 2: and I'll just like check in on her and make
Speaker 2: sure that she's not up to any good, any you know, wrongdoing.
Speaker 2: But since my husband was out there, I was like, oh,
Speaker 2: there's an adult presence, so I'll just you know, meanwow,
Speaker 2: watch this rerun of Game of Thrones and relaxed. And
Speaker 2: then I checked and I didn't see her. And I
Speaker 2: and usually if you shake the treat jar, she'll come,
Speaker 2: but she didn't come. And next thing I know, I
Speaker 2: hear my husband yelling her name and she's across the
Speaker 2: street and it's just like my It's like, it's my
Speaker 2: biggest fear is that she's going to get out. I
Speaker 2: don't know if you guys have this the app called
Speaker 2: next door, which is this new it's like a yeah, yeah,
Speaker 2: we do yeah, and you can sign on in your
Speaker 2: neighborhood and people people like, we'll post sayings like, you know,
Speaker 2: for things for sale or we're looking for a housekeeper
Speaker 2: or something like that. But what people posted my neighborhood
Speaker 2: is a lot of lost dogs, and I'm always like,
Speaker 2: oh god, you know, if that was me, I would die.
Speaker 2: So my name came home, happy as can be herself,
Speaker 2: just thrill.
Speaker 1: I had a good time well in my neighborhood. People
Speaker 1: are petty with next door. One lady posted case of
Speaker 1: water stolen on front porch, then found half drink, not sure, cries.
Speaker 1: I'm like, oh my god, really like I'll get another case.
Speaker 1: They post all the petty things on my next Dora app. Well,
Speaker 1: I'm glad that I know. That is very strange, because yeah,
Speaker 1: I'm like, I suspect it was just a bunch of teenagers, like,
Speaker 1: you know, doing some slight vandalism, like let me take
Speaker 1: this water and pour it out. Yeah, the utes, the utes.
Speaker 1: Then speaking of my neighborhood, Oh my god, we're rounding
Speaker 1: the bend. Just this is the month we'll move in.
Speaker 1: And now we have to buy I know, but we
Speaker 1: have to buy appliances. And I'm not gonna lie. It's
Speaker 1: killing me slowly quickly. Actually, it's killing me quickly.
Speaker 2: Choosing too many options.
Speaker 1: Oh my god. You know what it is. Well, one
Speaker 1: I've got I have like a microwave cabinet, you know,
Speaker 1: like there's a little space. But who knew that people
Speaker 1: don't put microwaves on the counter anymore.
Speaker 2: I didn't know you can't have that. That's no, we
Speaker 2: don't do that.
Speaker 1: Everyone was like yes, everyone was like, oh, Tiffany no,
Speaker 1: and I was like, what, okay, trash? So we got
Speaker 1: the problem is is that like that the specifications of
Speaker 1: this like this like microwave box, it's really it's not typical.
Speaker 1: And so I finally found a microwave that will fit perfectly,
Speaker 1: but it's not part of a suite that I want
Speaker 1: to be all the way honest. Like I've read that
Speaker 1: GE the refrigerators are like are trash because they're so loud,
Speaker 1: and I'm like, I don't want a loud refrigerator.
Speaker 2: Can't have that.
Speaker 1: Yeah, So but I heard Whirlpool has really great refrigerator.
Speaker 1: So after doing research, I found this to be true.
Speaker 1: Like consumer reports, everyone's saying they're great. You know, they
Speaker 1: had the least amount of incidents as far as being
Speaker 1: returned and YadA, YadA, YadA. But then I'm like, oh
Speaker 1: so now my GE refrigerator, will the stainless steel match
Speaker 1: my my GE microwave, will the stainless steel match my willproof?
Speaker 2: Like you here yourself, this is like so one percent,
Speaker 2: Oh my god, my appliance.
Speaker 1: And then it's so hard because you're like because then
Speaker 1: you're like, how much is too much? Like I had
Speaker 1: to reel myself in I'm like, Tiffany, are we really
Speaker 1: looking at thirty five hundred dollars refrigerators? No.
Speaker 2: It escalates very quickly, especially and you know what got
Speaker 2: us is that delivery. Like you want something, it's available,
Speaker 2: you order it, you get excited, and then it's like
Speaker 2: not available until like two months from when you order it,
Speaker 2: and then you're like looking at the more expensive model
Speaker 2: because you want it. You need a fridge. We ran
Speaker 2: into that exact well. Our problem was a bit different.
Speaker 2: The best thing if you're buying appliances, if you're doing
Speaker 2: if you're using like a company like best Buy, is
Speaker 2: that you can purchase them in advance and then make
Speaker 2: the delivery for as far out as you want, and
Speaker 2: then you can change the delivery delivery date a bunch
Speaker 2: of times. We were changing ours all the time because
Speaker 2: our house wasn't ready and there's no additional charge to
Speaker 2: do it. What we didn't realize is there was a
Speaker 2: risk of that item going out of stock or being
Speaker 2: backwardered over the time, you know, being sold out and
Speaker 2: then on back order. So we ended up with the
Speaker 2: week of Christmas, you know, or we had this fridge
Speaker 2: delivery all set up and then they were like, oh,
Speaker 2: we ran out of those, so we had to get
Speaker 2: a more expensive one just to have a fridge.
Speaker 1: It's been great, Like I said, we're here now, this
Speaker 1: is this is like the last major design choice that
Speaker 1: had to be made, and I really felt like I
Speaker 1: wanted to do, like I said, the heavy lift, because
Speaker 1: it's such a it's such an expensive choice. We have
Speaker 1: to get everything new, like the whole, you know, dishwasher.
Speaker 1: I never had a dish washer. No that's not true.
Speaker 1: My parents asked. We did, but dishwasher, the hood for
Speaker 1: the oven, the stove itself, microwave, refrigerator, And I'm like, uh,
Speaker 1: I need to be in control of like what that
Speaker 1: budget looks like, because that, you know, you can.
Speaker 2: Get the measurements. My husband was really he was in
Speaker 2: charge of all that and he was.
Speaker 1: Meticulous without the measurements, right, yeah, and.
Speaker 2: To be sure they fit. If you want any advice,
Speaker 2: you know, you can contact my husband. He loves electronics
Speaker 2: and choosing things. I want to write a book on it.
Speaker 1: I do. I would loved And then I'm like, yes,
Speaker 1: but do you know what kind of friends did you
Speaker 1: guys choose? We got?
Speaker 2: I don't know a big one. I love my husband.
Speaker 2: He he's like, babe's good library. I want to get
Speaker 2: some books. And I was like, okay, we never go
Speaker 2: to our local library, and it's a nice library. And
Speaker 2: we finally went and I'm like picking out my latest
Speaker 2: novel and he I go over to him and he's
Speaker 2: got a stack of like electrical wiring books with like
Speaker 2: how to how to wire house and diy home and
Speaker 2: he legit like studied these books and then taught himself
Speaker 2: how to wire light bulbs and the ups. Like, we
Speaker 2: have a house that doesn't have center light fixtures like
Speaker 2: in the in the ceilings they'd have like you know,
Speaker 2: these jerry rigged lights that are either it's this lamp
Speaker 2: turns on when you flip that switch or this switch
Speaker 2: turns on that lamp or whatever. So he's been working
Speaker 2: on fixing that and I was nervous about him trying,
Speaker 2: but he's really good at it.
Speaker 1: He's just yes, I handed, guy's such a good it's
Speaker 1: such a great right, I mean not ho, It's like yeah,
Speaker 1: I'm like, because okay, why can I be like, well,
Speaker 1: I guess that draw will be crooked forever. And I'm like,
Speaker 1: ser man, He's like it's a drawer. I'm like, I know,
Speaker 1: but it's been broken, like you know, like I'm just
Speaker 1: used to like looking at that stuff and being like, well, yes,
Speaker 1: that's how we live now, you know.
Speaker 2: For me, it's about like not having to spend money
Speaker 2: getting someone to fix it because every time, you know,
Speaker 2: whenever he wants to spend money. Now, I'm just like,
Speaker 2: we've didn't we didn't we How aren't we done? Like
Speaker 2: didn't we do all the spending we're ever going to
Speaker 2: do in our life this year? So it's it probably
Speaker 2: saved us already a few hundred bucks.
Speaker 1: Yeah, unfortunate electrician. It's like a plumber just to come out,
Speaker 1: isn't it like minimal? Like you have to pay at
Speaker 1: least twenty seventy five dollars just for them to come out.
Speaker 2: But I know for them, plumber, I'm not sure we
Speaker 2: got we we luckily don't have any plumbing issues, but
Speaker 2: like for home, and yeah, so are our gutter. For example,
Speaker 2: that was the guy who we talked to you about
Speaker 2: coming to fix a gutter that wasn't draining properly. He
Speaker 2: was like, well, to come to your area, we need
Speaker 2: a minimum of this much money and this job isn't
Speaker 2: worth that, and then Enrique just learned how to do
Speaker 2: it on his own. So yeah, I mean if and
Speaker 2: you know he had to when we were choosing to
Speaker 2: buy a house, like you need a partner who's you
Speaker 2: either need a lot of money to hire professionals, or
Speaker 2: you need a partner or you yourself should be prepared
Speaker 2: to start DIY. We're fixing things because I would have
Speaker 2: been very upset with my husbands if we got into
Speaker 2: this house situation. He wanted us to be in so desperately,
Speaker 2: and then we were just you know, burning made.
Speaker 1: Yeah, it's paid all these little things. Yeah, because I
Speaker 1: was telling my Superman like, oh, with the TVs? You know,
Speaker 1: how are we going to hang them? He's like a
Speaker 1: Tiffany like that, I mean, all the TV's in a half.
Speaker 1: I forget sometimes I'm like I'm like, literally, he's a
Speaker 1: super of three hundred, three hundred units, why would he
Speaker 1: know how to fix something. He's like hey, I'm like hey,
Speaker 1: but just so sometimes you just forget because I'm just
Speaker 1: like I want everything to be done perfectly. He's like
Speaker 1: I did, and he did. He hid the wires and everything.
Speaker 1: I'm like, well, okay, it's exciting moving in. Yeah, yes,
Speaker 1: I know that this month is I mean this is
Speaker 1: like a total one eighty three to sixty. But this month, no,
Speaker 1: this month is a mental health awareness month, right, that's what.
Speaker 2: May is Mental health Awareness month.
Speaker 1: Yes, for those.
Speaker 2: Of you out there who are struggling with whatever is
Speaker 2: holding you back or weighing you down, this is a
Speaker 2: good time to reflect. I'm we're doing some fun things
Speaker 2: at our office. Actually, it's cool, like some companies will
Speaker 2: get into the month and we're having the animal We're
Speaker 2: having a what is it called the Humane Society. We're
Speaker 2: bringing some therapy dogs to our office for a day,
Speaker 2: and we're going to do group yoga at our office
Speaker 2: for a day. And then we already have a wellness room,
Speaker 2: which is kind of just a room off in the corner.
Speaker 2: It's supposed to be a breastfeeding room, but we don't
Speaker 2: have any breastfeeding mothers right now, so it's just kind
Speaker 2: of like the room you can go in and stretch
Speaker 2: or sit in the dark, like I do for fifteen
Speaker 2: minutes a day sometimes. So for me, like if I'm
Speaker 2: feeling stressed at work, that's what I do. And then
Speaker 2: I've my goal for Mental Health Awareness Month has been
Speaker 2: to get up and walk for an hour during the day.
Speaker 2: And so what I've been doing, because I don't take
Speaker 2: hour long breaks from work ever, is I've just been
Speaker 2: going on walks during conference calls, okay, and conference calls
Speaker 2: where I know I don't need to be like talking
Speaker 2: a lot, okay, And it's been awesome. I did like
Speaker 2: four thousand steps today just wandering around the park looking
Speaker 2: at the birds, you know, listening in on this call.
Speaker 2: And that's been really helpful for me as far as
Speaker 2: like dealing with the just the like the monotony and
Speaker 2: the stress of you know, sitting at your desk and
Speaker 2: working all day.
Speaker 1: No, that's good, honestly it can be because even though
Speaker 1: and you think like, oh, could you work for yourself?
Speaker 1: So no, like I there are days and I'm like,
Speaker 1: goodn'ty have you gone outside? Because you can work anywhere.
Speaker 1: I had even bought my self this little like it's
Speaker 1: like the size of a long cell phone. It's one
Speaker 1: of these portable charges for my laptop, so that way
Speaker 1: I could like just take my laptop and literally sit
Speaker 1: at the park bench and do work with the birds chirping.
Speaker 1: And I feel like I don't take that take advantage
Speaker 1: of it as much. And when I don't get outside
Speaker 1: as much, it definitely you know, it's caused for me
Speaker 1: not feeling like like myself. And you'd be surprised how
Speaker 1: like financial you know, well, I think no people, nobody
Speaker 1: would be surprised how you finances and your mental health
Speaker 1: played such a pivotal role with each other. I remember
Speaker 1: when post recession, I fell into like and I didn't
Speaker 1: realize at the time that's what it was, but I
Speaker 1: fell into a depression because I'd lost everything, like everything
Speaker 1: i'd identified with, Like Tiffany, you're a preschool teacher, not anymore, Tiffany,
Speaker 1: you own a condo, not anymore, Tiffany, you have retirement,
Speaker 1: not anymore. Everything was gone and for like almost two years.
Speaker 1: I would say probably was bad the first six months,
Speaker 1: but like where it was like really bad where I
Speaker 1: was like I was and washing dishes. I wasn't washing myself.
Speaker 1: I was just in the house dark always. And I
Speaker 1: broke up with my boyfriend at the time. We had
Speaker 1: been together for like six years. I thought were going
Speaker 1: to get married. So it was like it was lost.
Speaker 1: On top of loss and type of loss, I just
Speaker 1: felt I felt lost, And it wasn't until like I said,
Speaker 1: I think it was like my best friend Linda, she
Speaker 1: was like, you haven't come out, you don't call anybody.
Speaker 1: Where are you? And I kind of looked around and
Speaker 1: was like why am I living in Squalor? And I'm
Speaker 1: like what is this? And I'm like wait. Then it
Speaker 1: wasn't until I got out of it that I realized,
Speaker 1: like timmany, you really fell into like a depression and
Speaker 1: I don't know that it was a clinical depression, definitely
Speaker 1: an emotional depression. And even then it took about like
Speaker 1: a year and a half for me to fully get
Speaker 1: out of this that funk of like a feeling like
Speaker 1: I was a failure because I'd messed up, you know,
Speaker 1: and what were someone?
Speaker 2: Do you have like specific things that you think you
Speaker 2: did that helps you get out? I know one of
Speaker 2: them was starting the budget LISTA.
Speaker 1: Yeah, you know, well it was one the most important
Speaker 1: thing in the beginning was honestly, I had like I
Speaker 1: had to talk to someone, Like it started with Linda
Speaker 1: because she called me, like all my other friends were
Speaker 1: kind of persistent, but I was like just ignoring everyone
Speaker 1: quite honestly, Like I wasn't picking up the phone. And
Speaker 1: then I don't know what made me pick up the
Speaker 1: phone or Linda call, but I know Linda literally like
Speaker 1: my whole life. Our parents used to share an apartment
Speaker 1: and so we known each other before we were even here,
Speaker 1: and so Linda was more like, you know, like a
Speaker 1: sister versus like a friend. And so I don't know,
Speaker 1: for some random reason, I picked up and she was
Speaker 1: just like, what's going on, and you know, like okay.
Speaker 1: And Linda's like a ray of sunshine, So she was
Speaker 1: like the perfect person to call. And she's the least
Speaker 1: judgmental person. You could be like, Linda, I killed someone
Speaker 1: and She'll be like, well, I mean that's not good.
Speaker 1: But and so I knew like I had not told anyone,
Speaker 1: So that to me that the first kind of break
Speaker 1: was like I had to tell someone what I was
Speaker 1: harboring because the depression was also coming from me. No
Speaker 1: one knew what was happening. They didn't know I'd lost
Speaker 1: my job. They didn't know that, you know, I'd lost
Speaker 1: I was using my house. They didn't know anything. So
Speaker 1: we were talking and then it kind of spilled that
Speaker 1: I just started crying and saying like everything that I'd
Speaker 1: identified with is who I was is gone. I'm like,
Speaker 1: I love my money, I know if there's all these
Speaker 1: things that you guys, And she was like, that's it, girl,
Speaker 1: everyone's broke. I remember, She's like, are saying that, like
Speaker 1: literally everyone is broke, Like it's the recession girl. Like
Speaker 1: So it ain't really clicked to me that I wasn't that.
Speaker 1: I was like, it wasn't just me, that this was
Speaker 1: like a wave that was happening. So one, I'm just
Speaker 1: getting acceptance from someone that I wasn't terrible. I wasn't
Speaker 1: this bad person because you know, these things had happened.
Speaker 1: And so once Linda kind of gave me the permission
Speaker 1: to basically start to forgive myself. So speaking to someone,
Speaker 1: starting to forgive myself, and then I also realized that
Speaker 1: a lot of the what I was feeling was like
Speaker 1: it was all it was self self, self, poor Tiffany.
Speaker 1: Tiffany lost the Tifany lost that. And when I started volunteering,
Speaker 1: that's how I started the Budgetista. Really it was The
Speaker 1: Budgetista was supposed to be a nonprofit and it was
Speaker 1: so I started volunteering. Helping and helping other people helps
Speaker 1: you to stop thinking about you yourself and what you're
Speaker 1: going through and helps you to be more grateful. So
Speaker 1: like those two things really helped me to get over
Speaker 1: the biggest hurdles. And then through the budgetista and volunteering
Speaker 1: and people started to ask, you know, how much do
Speaker 1: you cost and all that kind of stuff, and so
Speaker 1: the business grew. But it was really through forgiving myself,
Speaker 1: getting permission to forgive myself, forgiving myself and helping people
Speaker 1: that brought me out of the deepest part of the funk.
Speaker 1: But yeah, it was hard because I really was like
Speaker 1: I just remember being like, yo, I had to throw
Speaker 1: away the dishes because like that's how bad, Like the
Speaker 1: sink had gotten, Like I could they were not, you know, redeemable.
Speaker 1: I was like, yes, it was really bad. I was
Speaker 1: like just in the house because I imagine just losing everything,
Speaker 1: your house, your future fiance, your you know, financial stability,
Speaker 1: your I just lost everything. And then I found myself
Speaker 1: like three hundred thousand dollars in debt and no way
Speaker 1: to dig my way out. And I had just remember,
Speaker 1: I don't know if you remember I told that story
Speaker 1: about the guy that had gone through that financial scam. Yes,
Speaker 1: so now all of a sudden like that. That just
Speaker 1: hit it that time too. So now I owed thirty
Speaker 1: five thousand dollars in credit card debt, fifty thousand dollars
Speaker 1: of student loans, two twenty in my mortgage, no job,
Speaker 1: no retiring account, like no, you know, no man, Not
Speaker 1: that I needed a man, but you know we were.
Speaker 1: That was like I thought I was going to marry him,
Speaker 1: and so like everything was gone and it was just
Speaker 1: too much. And so my depression it I just slept
Speaker 1: all the time, like I just I couldn't get out
Speaker 1: of bed. I just slept. Everything was dark. I don't
Speaker 1: even know what I ate when I drank. Everything was dark.
Speaker 1: I probably just showered every other day. I don't even know.
Speaker 1: I just remember I was like I didn't speak to anyone.
Speaker 1: So yeah, So if you are experiencing, you know, any
Speaker 1: sort of mental breakdown, or you're feeling like, you know,
Speaker 1: it's only me, it's not. Honestly, it's so many people
Speaker 1: struggle through it. And I'm fortunate in that mind was
Speaker 1: emotional versus clinical, meaning that because it's not. Sometimes it's
Speaker 1: not just easy, oh talk to your friend, because if
Speaker 1: you are, if you have are clinically depressed, it is
Speaker 1: there's something in your hormonal makeup, so it's not a
Speaker 1: matter of just talking to a friend, you know what
Speaker 1: I mean. So I can't imagine how hard that must
Speaker 1: be when it's it's not just oh, as your situation
Speaker 1: gets better. You can have the most amazing life and
Speaker 1: still feel depressed if you are clinically depressed. And I
Speaker 1: can't I can't imagine how hard that must be and
Speaker 1: how you deal with something like that when you're like,
Speaker 1: I know nothing's wrong, but everything feels terrible, you know.
Speaker 2: Yeah, I mean sometimes like just the financial stress can
Speaker 2: be the like the trigger that may bring about like
Speaker 2: some latent clinical depression, or if you have like if
Speaker 2: it runs in your family, you know, I know that
Speaker 2: you're predisposed to suffering from depression. Yeah, well, thanks for sharing.
Speaker 2: It's always I mean, I'm always I know I've heard
Speaker 2: your story a bunch of times, but I'm always like, damn,
Speaker 2: it's turned around. Good for her.
Speaker 1: I'm not gonna lie. I don't even know how.
Speaker 2: Well it's like, oh go ahead, no.
Speaker 1: No, I'm gonna say. Sometimes I just it's not until
Speaker 1: like you said, someone like you say it, and then
Speaker 1: you're like, wow, it was really bad.
Speaker 2: Kind of put today's worries in perspective. Yeah, well, you know,
Speaker 2: it can be really you know, we can make it
Speaker 2: can be talking to a friend, but then there's a
Speaker 2: serious issues like I read one stat there's a new
Speaker 2: survey that came out this week saying one in fifteen
Speaker 2: student loan borrowers has considered committing suicide because of their
Speaker 2: student loan debt. So if you're at that kind of
Speaker 2: place right now, suicide prevention hotline, I think it's one
Speaker 2: eight hundred. I think it's one eight hundred prevention. I'll
Speaker 2: double check that. Yeah, talk to someone a professional if
Speaker 2: you can. And also when it comes to financial problems
Speaker 2: in general, you know, we got we got questions from
Speaker 2: listeners all the time, and it's not an easy problem
Speaker 2: to fix right away. So part of recovery is acknowledging,
Speaker 2: forgiving yourself, you know, and acknowledging it's going to be
Speaker 2: a long road to recovery, especially if there's no quick fixes,
Speaker 2: like you're not about to inherit you know, thousands of dollars,
Speaker 2: or you don't have a big windfall coming or a
Speaker 2: big promotion. Sometimes those stars just aren't aligning, so it
Speaker 2: can it really can be like chipping away at a
Speaker 2: bit of a mountain and you just kind of kind
Speaker 2: of get in that. It's like starting to lose weight
Speaker 2: or something. You just have to like get in the
Speaker 2: right mindset and understand it's going to be a long
Speaker 2: haul and then hopefully, like Bill, get a support system friends, family,
Speaker 2: loved ones, professionals to help you to help you get there.
Speaker 1: Yeah, and just and that's exactly it is that you
Speaker 1: have to just know that it's just one foot in
Speaker 1: front of the other. Because people always ask how did
Speaker 1: you get to your tipany and I'm like, I honestly
Speaker 1: have no idea. I mean, like, yes, I work hard,
Speaker 1: but that doesn't mean I mean people work hard every day.
Speaker 1: It's just one foot in front of the other. And
Speaker 1: when you know you fall, you get back up and
Speaker 1: then you put another foot in front of the other.
Speaker 1: And some days you know you can't put one foot.
Speaker 1: You just it's just too much. So then you do that,
Speaker 1: you do it tomorrow. That's it. I mean every day,
Speaker 1: I just take it a day at a time. I mean,
Speaker 1: there's there's always so much going on, especially in business.
Speaker 1: There's always something that's breaking that you're fixing that's this,
Speaker 1: that there's always something And I learned I used to
Speaker 1: think that if I could fix this thing, then I
Speaker 1: could breathe. That's just not going to be like I'm
Speaker 1: going to fix something and then something's going to break
Speaker 1: on some other components of the business. And I've learned
Speaker 1: to manage that and say, I'm not here to make
Speaker 1: a completely whole, perfect existence. You know, that's not what
Speaker 1: it is. It's just one foot in front of the other.
Speaker 1: That every day I try to move the needle an
Speaker 1: inch and if I can move the needle and inch,
Speaker 1: then then that's awesome. If I can't, then I try
Speaker 1: again tomorrow, and yeah, that's that's really it. And trying
Speaker 1: to like I try to live life with intention, like
Speaker 1: I always ask myself despite you know, like the budget Lisa,
Speaker 1: and I don't ever want to go back to a
Speaker 1: space where if something is gone from me, like as
Speaker 1: far as externally, that like my whole identity's gone, like
Speaker 1: the budget LISTA is really important to me. But I'm
Speaker 1: you know, I don't want to forget that I'm Tiffany.
Speaker 1: So I'm very mindful of that and asking myself all
Speaker 1: the time, how do I want my life to be, Tiffany,
Speaker 1: is this how you want your life to be? Is this? Like?
Speaker 1: Are you happy with the way your life is? I'm
Speaker 1: always asking myself that and then readjusting, Like I've made
Speaker 1: a big readjustment recently of like saying like, and I
Speaker 1: want to do budgetiesta a little bit less as far
Speaker 1: as like speaking and traveling because the life that I'm
Speaker 1: living now is exactly how I wanted it to be
Speaker 1: when I was like thirty two, so I would say
Speaker 1: I'm thirty nine now to like thirty eight. I was like, yeah,
Speaker 1: this is exactly what I wanted. And then I was like, hey,
Speaker 1: I want to have a baby, just like fairly recently
Speaker 1: within the last year or so, and that changed and
Speaker 1: made me say, Okay, well I don't want my life
Speaker 1: to be like this anymore, not that anything's wrong with it,
Speaker 1: I'm just pivoting and now I'm recreating what I want
Speaker 1: my life to look like. So not being afraid to say, hey,
Speaker 1: you know, I don't have a bad life, but this
Speaker 1: is not this is not the life that I currently want. Now,
Speaker 1: how do I put one foot in front of the
Speaker 1: other and recreate the existence that I want? And so
Speaker 1: that's just how I try to live intentionally and also too,
Speaker 1: I find that in when I'm really feeling bad, that's
Speaker 1: the best time to give of yourself. I mean, nothing
Speaker 1: picks me up more than like just like helping someone
Speaker 1: else because it has nothing to do with you, and
Speaker 1: it helps to alleviate whatever, like you know, whatever's weighing
Speaker 1: you down. I mean, sometimes as simple as because I
Speaker 1: get hundreds and hundreds of Facebook messages a day, so
Speaker 1: I can't answer them all, but like, if I'm feeling
Speaker 1: in a really bad funk, I will go in and
Speaker 1: answer as many as I can. Sometimes I'll just literally
Speaker 1: tell people here, call me real quick, work through their
Speaker 1: financial issue, and I'll like, you know, I'll spend an
Speaker 1: hour or two doing that, and then it usually helps
Speaker 1: me to look at my own thing and perspective of like, Okay,
Speaker 1: it's not all about you, Tiffany. Like it's a big world.
Speaker 1: There are other people who have things going on, and
Speaker 1: what you're experiencing is like like these appliances. I'm like,
Speaker 1: it's you gotta live. You gotta live with two different
Speaker 1: color stainless steal. It's fine, do you want to boost
Speaker 1: or do you want to brisie.
Speaker 2: I'm gonna take it. I'm gonna do a boost. I
Speaker 2: feeling in a positive mood today. So we all were
Speaker 2: so sad to hear that Luke Perry. I feel like
Speaker 2: my sister was a Luke Perry fan when Beverly Hills
Speaker 2: nine or two win O was a thing. I think
Speaker 2: I was more of adjacent Priestley fan. But anyway, when
Speaker 2: he passed away, that was like for nineties girls, that
Speaker 2: was devastating. But I recently read that he was buried
Speaker 2: in a mushroom suit, which you may not understand a
Speaker 2: personal finance angle, but don't worry. I'm getting there.
Speaker 1: Soom suit, thank you.
Speaker 2: I'm not not going to explain what the hell a
Speaker 2: mushroom suit is. So a mushroom suit is. It's been
Speaker 2: around for a few years, but it's infused with like
Speaker 2: fungi that when you're buried in it, so you're buried
Speaker 2: not in a coffin, you're just buried in the earth
Speaker 2: in the suit. And it's meant to be a more
Speaker 2: planet friendly and financially friendly way to be buried because apparently,
Speaker 2: like when your body is decomposing and you're whatever you're
Speaker 2: buried and is decomposing, it releases harmful toxins into the earth.
Speaker 2: But when you're in a mushroom suit, like your body
Speaker 2: becomes life like, it becomes it becomes like a living organism,
Speaker 2: you know. It feeds the mushrooms that that you know,
Speaker 2: fungi feed off of. It's kind of gross, but it
Speaker 2: feeds off you. So it helps the decomposition process. But
Speaker 2: the other benefit is that they're only about fifteen at
Speaker 2: least this one company that seems to be they have
Speaker 2: like the corner on the market right now. It's fifteen
Speaker 2: hundred dollars for a mushroom suit, which doesn't sound cheap,
Speaker 2: but when you compare it to the cost of a casket,
Speaker 2: which starts at according to the FTC, two thousand dollars
Speaker 2: and sometimes up to ten thousand dollars if you have
Speaker 2: that family who needs like the bells and whistles. But
Speaker 2: like you know, you're saving potentially thousands of dollars and
Speaker 2: you're doing the environment a solid.
Speaker 1: Oh.
Speaker 2: I love that, just sharing that little story. I mean,
Speaker 2: I don't know how, I don't I don't really know
Speaker 2: how I want to be buried, but I do feel
Speaker 2: like the whole coffin thing and the whole expense of
Speaker 2: a funeral. I would like. I like that we're coming
Speaker 2: up with alternative ways, like looking at the way that
Speaker 2: we bury people differently.
Speaker 1: No, honestly, I think that's Have you heard the one
Speaker 1: where it's like you get buried and you turn into
Speaker 1: a tree.
Speaker 2: Yeah, yeah, I've heard. Yeah, we did a story on that.
Speaker 2: Or people take they get cremated and then then although
Speaker 2: cremation is part of the problem because it releases toxins
Speaker 2: through the smoke of the the furnace or whatever, but yeah,
Speaker 2: you can like use it, use the ashes, mix it
Speaker 2: with compost, and then bury a tree or something like that.
Speaker 1: But then I think that's awesome because like imagine being
Speaker 1: like a tree like someone, you know what I mean.
Speaker 1: I think that that's a beautiful way. But I love
Speaker 1: that too. The mushroom suit, it's like, you know, because
Speaker 1: it's honestly, it's almost it's really how we were meant
Speaker 1: to go in a way, right back to back to dust,
Speaker 1: ashes to ashes, dust to death. Yea, you know that,
Speaker 1: to go back into the earth again. Yeah. I always wondered, like,
Speaker 1: what are we going to do when like eventually we're
Speaker 1: going to run out of space for these coffins.
Speaker 2: I mean, you see those cemeteries in New York where
Speaker 2: it's like, I mean, there's stories people have written about
Speaker 2: how finding a burial plot is like trying to find
Speaker 2: an apartment. I mean, there's just it's expensive if you
Speaker 2: can find it. I mean, it's not always the extreme.
Speaker 2: I think plenty of places have plenty of room for
Speaker 2: extra bodies. But yeah, I mean it's we're all gonna die,
Speaker 2: so we I think maybe we should be thinking differently
Speaker 2: about how we save space because we're gonna have to
Speaker 2: eat it. You can't like, come on, do you need
Speaker 2: that fancy?
Speaker 1: I guess you know what I mean. I mean there's
Speaker 1: some I guess I'm assuming there's some religions that have
Speaker 1: their own like what you're supposed to do, like with
Speaker 1: your body. But I'm like, yeah, I'm with you. I
Speaker 1: love to be turned into a tree. Honestly, I'm like,
Speaker 1: be like, I'm over here to be shady for life, honey,
Speaker 1: shady for life. I came up with that just now.
Speaker 1: Isn't that clever?
Speaker 2: Yes, very clever.
Speaker 1: So mine is super random, as my my my brown
Speaker 1: boost and breaks off and on, so this is a boost.
Speaker 1: I know. I'm late I listened to their how I
Speaker 1: Built this Lara bar l A r A, Like, have
Speaker 1: you ever.
Speaker 2: Heard larrapar Oh? I remember this episode?
Speaker 1: Yeah, so it's great, but I never had one because
Speaker 1: I was like, oh, whatever these you know, like cause
Speaker 1: they have things like chocolate chip, cookie dough mid chocolate chip,
Speaker 1: all these things. You're like, meanwhile, they're mayde with like
Speaker 1: dates and then they're like, yeah, I'm not eating that
Speaker 1: fake not fake, but like I highly down. I'm sure
Speaker 1: it's super healthy, but I'm sure it's not delicious. But
Speaker 1: you know who put me up on? In Supergirl, we
Speaker 1: were at Whole Foods and I was like, what snack
Speaker 1: do you want? So I was like like let her
Speaker 1: pidic on her own snacks. She's like, can I get
Speaker 1: some lwer bars? I looked at her like, okay, thirty
Speaker 1: nine year old woman?
Speaker 2: What nine year old hipster?
Speaker 1: I was like, what when did you get a lower bar?
Speaker 1: You know, like where were you even exposed to it?
Speaker 1: Because I've never bought one before, and so I said sure.
Speaker 1: So she was picking out like apple pie, all these
Speaker 1: different ones, and I was like looking dubious, like because meanwhile,
Speaker 1: Supergirl is twelve in seventh grade how does she have
Speaker 1: the refined taste? I know it's scary and so and
Speaker 1: so I was like, you know what, let me get
Speaker 1: one in Mint chocolate chip is my favorite kind of
Speaker 1: ice cream. So I got a mint chocolate chip one
Speaker 1: just to try, and honestly, I love it. They're so good.
Speaker 1: I'm I am like really shocked because it's like a date,
Speaker 1: you know, like dates, walnuts whatever. I'm like, now, I'm
Speaker 1: not gonna pretend like you know it it tastes like
Speaker 1: a Snickers bar. It doesn't. But the the I think
Speaker 1: my favorite is a chocolate chip cookie dough. It's really good.
Speaker 1: Yeah a real yeah. Oh that one, Yeah, that one
Speaker 1: is good. They have a peanut butter one that's pretty good.
Speaker 1: But yeah, I was just like, you know, just big ups.
Speaker 1: So it's one of my snacks. I'm so I'm back
Speaker 1: vegan again because the wait and So I was looking
Speaker 1: for like a snack that I can have in between
Speaker 1: that's like healthy, that that I can also maintain because
Speaker 1: I enjoyed it. And so Lara Bar is like my
Speaker 1: go to, like you know, midday snack. I'm like, okay,
Speaker 1: Larra Bars, So if you have not tried one, because
Speaker 1: I know, there's so many of those fruit bars you know,
Speaker 1: that are out there, and so yeah, exactly, And I
Speaker 1: just wanted something that I was actually going to like
Speaker 1: that I wasn't gonna fake like. And yeah, I actually
Speaker 1: like it a lot. I mean sometimes I have to
Speaker 1: tell myself, Tiffany, if you eat three, it's the same
Speaker 1: as having a Snacker's.
Speaker 2: Bar, So just have the snickers in that case, I
Speaker 2: know exactly.
Speaker 1: So no, I have not been doing that. So I've
Speaker 1: been just having my one, you know, in the afternoon.
Speaker 1: But yeah, that's my boost. If you haven't listened to
Speaker 1: there how I built this, it's interesting as well their
Speaker 1: interview about how she started a Louer bar. But the
Speaker 1: bars are pretty delicious. Hopefold's had some super expensive. Of course,
Speaker 1: you can find them like much cheaper at shop stopping shop.
Speaker 1: I don't, well, it depends where you live. I guess.
Speaker 2: We used to order them for the office on Amazon
Speaker 2: and she get them in bulk.
Speaker 1: They're like, oh, I never thought about that.
Speaker 2: Tend to run cheaper.
Speaker 1: You is smart, you know.
Speaker 2: I love me some Amazon Probably that I should. Probably
Speaker 2: That's another another conversation. Is the Amazon Prime bad for
Speaker 2: the environment, like all the packages.
Speaker 1: Oh my gosh, the gas.
Speaker 2: That we need to get things delivered. I mean to
Speaker 2: get these drones done soon.
Speaker 1: Yes, I ordered, Like, so, my my ninja died on me.
Speaker 1: I've had it for a number of years, so I
Speaker 1: wasn't it was. It was sounded like it wanted to die.
Speaker 1: And so like you know, like the Ninja bullet where
Speaker 1: you can like blend your smoothies.
Speaker 2: Yeah, I never got a ninja. I'm like, weird, not
Speaker 2: the only person.
Speaker 1: What do you blend? You? Dude? Do you ever drink smoothies?
Speaker 2: I'm not a big smoothie drinker. No, So okay, somehow survived.
Speaker 1: I like, well, I mean I like a smoothie. Well,
Speaker 1: I would say I go through moods where I'm like
Speaker 1: smootie every day and then I'm like, oh I hate smoothies.
Speaker 1: But so my ninja, my neutron ninja, I think that's
Speaker 1: the one I have. It broke and I ordered, you know,
Speaker 1: a new one from Amazon. Of course it came like
Speaker 1: like next day, and I like, when I went to
Speaker 1: pick up the box, I was like, clearly I must
Speaker 1: have ordered something else, like maybe that I forgot, like
Speaker 1: maybe a television, because what is this box. So I
Speaker 1: opened it and there's a smaller box inside like one
Speaker 1: fourth and then there's the news. I couldn't believe. I
Speaker 1: was like, why are they studying my new Troe Ninda
Speaker 1: in the TV box?
Speaker 2: It was so they sent us a backscratcher the other
Speaker 2: day in a package, Like we didn't order the backscratcher,
Speaker 2: but it just came. I was like, Okay, I guess
Speaker 2: I need one of these.
Speaker 1: You know, that is so funny, Like I didn't like
Speaker 1: sometimes those things randomly happened, like someone set me, Like
Speaker 1: I got this dress from it's either Banana or Public
Speaker 1: or the Gap. It's super cute, but it's not my size.
Speaker 1: But like it's at Tiffany Alice and it had like
Speaker 1: my address, and I'm like, I didn't I didn't, I
Speaker 1: didn't order. I didn't order. I mean it's to keep dress,
Speaker 1: but like I said, it's like a size or two
Speaker 1: too small.
Speaker 2: But heard isn't it. And I'm like, wait, it's one
Speaker 2: of your fans sending you.
Speaker 1: I don't think so, because the usually, you know, people
Speaker 1: will because it's it's not the kind of dress that
Speaker 1: it's like, hey, this is so Budgeanisa. It's literally like
Speaker 1: a shirt dress, and I'm like, I thought, I called
Speaker 1: my sisters to see if anybody send me, but they
Speaker 1: know my size. They wouldn't have got me the size,
Speaker 1: so I think maybe because it's not like I've never
Speaker 1: ordered from Banana or Gap before, so I feel like
Speaker 1: there's probably with some glitch. And someone ordered a dress
Speaker 1: and for some reason, and my name got put on it,
Speaker 1: and I was like, well, I don't know who to
Speaker 1: return it to because when I opened it, I should
Speaker 1: have known anyway, because I was like, ooh, something from
Speaker 1: the Gap. I haven't ordered anything from the Gap, and
Speaker 1: I was like, ooh, key dress. And then it hit
Speaker 1: me like because my sister buys my clothes, so I
Speaker 1: thought maybe she ordered it. Then I looked at the
Speaker 1: size and I was like, this is not my sign.
Speaker 1: I'll be giving away size eight dress.
Speaker 2: That's only.
Speaker 1: I know, right. I was like, oh, I remember those
Speaker 1: days and eight.
Speaker 2: I think I came out of Smooth Starts twelve. I
Speaker 2: don't know that I ever had a size eight moment.
Speaker 1: No. I used to be like, I used to be
Speaker 1: like a like a solid six for a long time.
Speaker 1: I can't even imagine now, Oh my god, my thigh
Speaker 1: alone is not sick. But I used to be a
Speaker 1: solid six, I would say all through high school. Well
Speaker 1: high school probably was because I was I was really skinny,
Speaker 1: but not in a cute way like in a are
Speaker 1: you okay? I take Tiffany to the doctor, where like
Speaker 1: my mom used to literally take me to the doctor
Speaker 1: and say it's something wrong with her. So I was
Speaker 1: boned because I was so tall to be so skinny,
Speaker 1: Like like I look back at pictures and I'm like,
Speaker 1: I don't think I was eating. And then and then
Speaker 1: in college, I was a solid six, and I would
Speaker 1: say I was a six, a good six until late twenties.
Speaker 1: And then I moved into a and now you know
Speaker 1: who's mosy on in and settling into ten twelve, And
Speaker 1: I'm like, well, such as life.
Speaker 2: And so I think there's something really just you know,
Speaker 2: formational about having stretch marks at the age of thirteen,
Speaker 2: Like it really made me the woman that I am today.
Speaker 2: And I just want to think my thirteen you know WHOA.
Speaker 1: I just can't. It's so hard because the other day
Speaker 1: I was so worried about Supergirl because I was like, like,
Speaker 1: she's she's an eater. She eats, you know, and she
Speaker 1: does not gymnastics. She does cheerlead. She really loves dancing,
Speaker 1: so we put her in dance class sometimes, but right
Speaker 1: now she's really into cheerleading, so she does that every weekend.
Speaker 1: And so that's her, you know, besides Jim. That's her
Speaker 1: form of exercise, you know, and unt like I just
Speaker 1: noticed lately that, like I'm like, oh, you want dinner? No,
Speaker 1: I'm okay, And I'm like, wait, you know that's how
Speaker 1: it starts because we don't we don't talk to her
Speaker 1: about her weight, so there's never any you can't eat
Speaker 1: that that'sid you know, like you.
Speaker 2: Know, I mean too, she just seems to be a
Speaker 2: woman in the world. I'm like, na, the world will
Speaker 2: ruin her.
Speaker 1: And I just feel so bad because I'm just like,
Speaker 1: what's going on.
Speaker 2: I'm like TV, Internet, social media, It'll take care of
Speaker 2: it for you.
Speaker 1: And I'm like, are you know you're not hungry, and
Speaker 1: she's just like, I'm like, it's you came home from
Speaker 1: school had nothing. It's now like, you know, six or seven,
Speaker 1: you have to be hungry. So that just worries. You know.
Speaker 1: We talk about eating healthy, so we like when I
Speaker 1: go food chopping, I take her to whole foods with me,
Speaker 1: and we pick out like healthy snacks, and so there
Speaker 1: is no restriction about her, you know, going because we
Speaker 1: don't have anything. We don't I don't buy anything crazy.
Speaker 1: So that because I want her to feel free to
Speaker 1: be like I can always get an orange or a
Speaker 1: banana or a pair or you know, a lour bar
Speaker 1: or whatever, you know, like whatever like pretzels or so
Speaker 1: I always make sure that everything in the house is
Speaker 1: something that if she ate it. It's not like even
Speaker 1: the juice that we get, like we don't really get
Speaker 1: juice much, but even like her juice boxes are like
Speaker 1: the honest juice boxes, we're like ten percent juice and
Speaker 1: like ninety percent water, you know. So yeah, and I
Speaker 1: purposely was like, no, I don't want her to worry
Speaker 1: about her weight, so we don't, you know, as long
Speaker 1: as we teach her to eat healthy and she's fine
Speaker 1: her you know, she's twelve, so her size is fine,
Speaker 1: you know, as far as the doctor's concern, that's all
Speaker 1: I worry about. As long as the doctor says that
Speaker 1: you're fine, then you're fine. Because there's diabetes that runs
Speaker 1: in Superman's family and he at one point was pre
Speaker 1: diabetic even though he is. I mean, the man is
Speaker 1: if he was a woman, he'd be like for his side,
Speaker 1: he'd be like a size four. He's so skinny, like
Speaker 1: not in a bad way, but you know, so you
Speaker 1: people think of like pre diabetic or diabetes as like, oh,
Speaker 1: because you're overweight. I mean, nothing could be further than
Speaker 1: the truth. Like his job is really physical, so he
Speaker 1: is constantly moving. He's in really great shape and even
Speaker 1: and so that's what worries me is that, you know,
Speaker 1: I know that runs in their family. So we meet
Speaker 1: Superman and Supermom, super Supergirl's mom. We are very conscious
Speaker 1: about making sure that she knows how to eat right.
Speaker 1: So that way, because she looks just like her grandmother
Speaker 1: and his Superman's grandmother, I'm a mother past and she
Speaker 1: was like in her early fifties and she slipped into
Speaker 1: a diabetic coma and just never woke up. And so
Speaker 1: that's something that you know, it's like on my mind
Speaker 1: just to make sure that, like, okay, that she's healthy.
Speaker 1: I just this whole weight thing. I don't want her
Speaker 1: to worry about it, but it's hard for girls because
Speaker 1: it's always an issue. And she's tall, for her age, Like,
Speaker 1: I don't realize how tall she is until I see
Speaker 1: the other kids, and I'm like, wait, Supergirl's really tall.
Speaker 1: Well he's six six, So I knew she was going
Speaker 1: to be tall because we're the same height, and we
Speaker 1: were the same sized shoes. And she's twelve and I'm
Speaker 1: thirty nine. But yeah, I'm just it's hard. I'm like, now,
Speaker 1: you know you want to protect kids from like all
Speaker 1: the like feeling bad about yourself, but you don't know.
Speaker 1: What do you say? What do you do?
Speaker 2: You find out how I write the book and I'll
Speaker 2: buy it.
Speaker 1: I know.
Speaker 2: She'll be fine. I mean I went through such hell
Speaker 2: when I was a kid, and I'm fine, she'll be fine.
Speaker 2: I had no support. My mom was like, you know,
Speaker 2: eighties babies. She was like, just you're fed, here are
Speaker 2: some you know, you ate a sleeve of Ritz crackers
Speaker 2: or you're not hungry, good.
Speaker 1: Let's cook it for me, right? Yeah? Anything? What do
Speaker 1: you do with Mother's Day?
Speaker 2: We only have twelve? You want to rooin the end
Speaker 2: of the show, I'm talking about my mother in law. No,
Speaker 2: I just got the I got the phone call from
Speaker 2: my mother in law or no, I called her and
Speaker 2: I just got yelled at for not calling her enough.
Speaker 2: So we will be going to her house for Mother's Day.
Speaker 2: And I still stand by my statement that there's a
Speaker 2: double standard that my mother is not calling my husband
Speaker 2: and berating him for not calling him all the time.
Speaker 2: But I sure do get those guilt trips. Yes, yeah,
Speaker 2: so if you're a daughter in law out there, daughter,
Speaker 2: I feel you on that one. But let's get to
Speaker 2: some questions.
Speaker 1: If you don't want what I forgot, I'm like, wait
Speaker 1: a minute.
Speaker 2: I was like, we got to go, I got to
Speaker 2: train to catch and a dog that I'm sorry to defcate.
Speaker 1: Let's get to one question. Let's do that so we can't.
Speaker 2: Okay, cool speak. Well, it's related that this is actually
Speaker 2: from an old friend of mine used to live here
Speaker 2: in New York City. Since us a question. Her name's Malaca,
Speaker 2: and Malica's got the cutest little girl, Oh my god,
Speaker 2: Lucy just turned four according to Instagram. And Melika is
Speaker 2: such a good mommy, Like I love watching U all
Speaker 2: their their life. They've moved to the West Coast from
Speaker 2: New York City and her I just love watching her
Speaker 2: and her little girl. But she has a good question
Speaker 2: about feeling like she's behind on saving for Lucy's college fund.
Speaker 2: And if I know that you've got all kinds of
Speaker 2: fun set up for your nieces and nephews and Super Bowl,
Speaker 2: so this is a good question for us, Melaca says,
Speaker 2: I feel I've been pretty good so far making financial
Speaker 2: decisions for my family. I have no credit card or
Speaker 2: school loan debt. We're both contributing to our four to
Speaker 2: one k. We bought a house last year with proceeds
Speaker 2: from oh her father passed away, my dad's life insurance,
Speaker 2: and we can comfort comfortably a fourd or mortgage payment.
Speaker 2: But we haven't put away a penny for our daughter,
Speaker 2: Lucy's college fund. Sometimes I think it's fine, she's only three, well,
Speaker 2: now she's four. But then I'm thinking, like, oh my god,
Speaker 2: we should have saved tens of thousands of dollars by now,
Speaker 2: and she has no hope of ever being debt free.
Speaker 2: So her question is where do I begin. I know
Speaker 2: about five, two nine plans, but I don't know what
Speaker 2: I need to open one. Also, I don't know how
Speaker 2: much we should be putting aside for our daughter each month.
Speaker 2: How much will college cost in twenty thirty three help me.
Speaker 1: Who jah five nine plan. It's a good place to start.
Speaker 1: When people say how much did they put? Aside, I
Speaker 1: mean I say, any is better than.
Speaker 2: Nothing, right, like fifty dollars a month.
Speaker 1: Yeah, that's what I do for like the you know,
Speaker 1: for now, I think supercar, I think I put one
Speaker 1: hundred dollars, But then I put fifty bucks for like
Speaker 1: my nieces and my nephew, and so anything is better
Speaker 1: than nothing, quite honestly, because who knows. Who knows if
Speaker 1: college will even be a thing by the time she
Speaker 1: gets to college.
Speaker 2: Well, that's the thing about five two nine plans when
Speaker 2: you put money, at least the way that the legislator
Speaker 2: the tax codes written now, because five two nine plans
Speaker 2: are part of the tax code. When you put money
Speaker 2: into a five two nine savings plan, you have to
Speaker 2: use that money for education. With the most recent tax
Speaker 2: reform changes, they did stretch that out. So before you
Speaker 2: could only use it for college education or higher education,
Speaker 2: but now you can also use it for private tuition
Speaker 2: for like private schools and stuff through K through twelve,
Speaker 2: which people were happy about. I think it's up to
Speaker 2: ten thousand dollars a year or something like that. I
Speaker 2: can share. I'll share a link with details on the
Speaker 2: new rules on five two nines. But yeah, you're limited
Speaker 2: in what you can use it for, so some parents
Speaker 2: I know opt instead to do something like an IRA.
Speaker 2: Just open up an IRA in your child's name, like
Speaker 2: custodial IRA, and then you can put money into that
Speaker 2: account on the side. But you know, whatever you choose,
Speaker 2: even if it's just a basic savings account, you know,
Speaker 2: you know, I'm not even going to fault you, even
Speaker 2: though yeah, technically in eighteen years will you have beat inflation?
Speaker 2: Probably not, but hell, you saved probably a good chunk
Speaker 2: of change for your kid without the stress of you know,
Speaker 2: investing it because five to two nine plans are a
Speaker 2: type of investment plan, as are an IRA plan. So
Speaker 2: if you're not quite ready for that, like as a baby, step,
Speaker 2: just maybe set up a savings account for her and
Speaker 2: put money in it until you're sure what you want
Speaker 2: to do, like as far as a five two nine
Speaker 2: or a WRATH And even if you just want to,
Speaker 2: like hire a financial planner for the one hour consultation
Speaker 2: to give you direction on how to get started and
Speaker 2: set the accounts up. I think that's a good use
Speaker 2: of a couple hundred bucks.
Speaker 1: I think I think so too one, because that's something
Speaker 1: I want to do because I have savings accounts for
Speaker 1: everyone and I and I know because I'm a little
Speaker 1: gun shyt the five to two nine, because I'm like,
Speaker 1: what if they want to what if they don't want
Speaker 1: to go to school? What do they want to start
Speaker 1: a business? What? You know what I mean, like, I
Speaker 1: you know, I have I have savings accounts and I
Speaker 1: made their their parents, Uh not a custodian? What is
Speaker 1: that when you're like, uh something, if I were to die,
Speaker 1: they could get ownership of the account of sharing. Yes,
Speaker 1: there you go. And so I just did that for now.
Speaker 1: But then I'm hiring a financial plan. I'm in the
Speaker 1: last well actually I picked one, and so that's one
Speaker 1: of the things on my list with her is to
Speaker 1: say what do I do with this money? And because
Speaker 1: I don't know that each kid is going to want
Speaker 1: to go to college, and I don't want it to
Speaker 1: necessarily have to go to school, but I want to
Speaker 1: set it aside for them.
Speaker 2: So yeah, I mean start small, like start like you would,
Speaker 2: you know, saving for your own nest egg, Like if
Speaker 2: you're not ready for further for one K start that
Speaker 2: little side savings account. A lot of my friends have
Speaker 2: small kids now, and what I love is around the
Speaker 2: around the kids' birthdays or holidays and stuff. Those who
Speaker 2: have the five two nine plans, almost all these five
Speaker 2: to two nine websites now have a like You have
Speaker 2: a unique link that you can send toffriends and family,
Speaker 2: and then you can just like put money in that
Speaker 2: child's five to two nine plan account, which makes gift
Speaker 2: getting really easy. And then you're not just you're not
Speaker 2: just saving by yourself. So there's pros and cons to each.
Speaker 2: I'll send some links to some explainers on the five
Speaker 2: two nine, but honestly, I think it's worth just hire
Speaker 2: an expert for an hour to get you set up.
Speaker 2: And there's you know, every state has their own five
Speaker 2: to two nine plan, but you don't have to use
Speaker 2: your states. You can use other states plans if you want,
Speaker 2: so there's different options out there. It can be a
Speaker 2: little overwhelming, so maybe it's worth investing in some expert advice.
Speaker 1: I agree, honestly, to me, it just is, I mean,
Speaker 1: more and more I realize I'm like if I had
Speaker 1: boken up, but do you break a wronge and you
Speaker 1: go see a doctor and you pay that copay or whatever,
Speaker 1: because it's worth it, and it will be the shortcut
Speaker 1: to putting in in the right place. You'll make that
Speaker 1: money back in you know, whatever the investment yields, or
Speaker 1: savings over the life of your of that savings for
Speaker 1: your child. So it's worth that.
Speaker 2: Yeah. And if you guys are doubt free and you
Speaker 2: have a house that you can afford, like, you're already
Speaker 2: giving her such a happy financial like environment to live
Speaker 2: in that you should pat yourself on the back for
Speaker 2: that too. Love you, Malika. Nice to hear from you.
Speaker 2: It's been a long time. Okay. We did one more
Speaker 2: quick one because I saw on my Facebook that I
Speaker 2: didn't realize someone that sent us a question on the Facebook.
Speaker 2: Where did it go? So from listener don Nell, she says,
Speaker 2: you can use my question on the show. So in
Speaker 2: one of our previous episodes, we had talked about an
Speaker 2: emergency fund. She said she always thought that an emergency
Speaker 2: fund was the same as a savings account. Listening to
Speaker 2: our discussion last week, it sounded like two different things.
Speaker 2: Can we explain the difference between an emergency fund and
Speaker 2: a savings account.
Speaker 1: It can't be the same.
Speaker 2: I'd like to treat them differently. So I'm a big
Speaker 2: fan of like. So, first of all, an emergency fund
Speaker 2: is saved in a saving account like.
Speaker 1: A safe Yes, that's what I thought you met.
Speaker 2: I was like, wait, what savings account is just a
Speaker 2: vehicle to save You can call it whatever you want.
Speaker 2: It can be your college fund account, it can be
Speaker 2: your emergency fund account, it can be a you know,
Speaker 2: fu on ata here account. The point is that you
Speaker 2: have a purpose for what you're saving for. And because
Speaker 2: we have different goals in our lives sometimes and not
Speaker 2: different goals in our lives. And then also when it
Speaker 2: comes to the goal of having emergency funds, think about
Speaker 2: the money that is in that account and how you
Speaker 2: want to use it. You only want to dip into
Speaker 2: it when it's truly an emergency. So to prevent yourself
Speaker 2: from dipping into it when like, oh, you know, you
Speaker 2: want to get that dress, or you had a light
Speaker 2: bill that was more expensive than normal, separating that emergency
Speaker 2: fund like having two savings accounts, one for general savings
Speaker 2: and then one specifically for emergencies. That is like maybe
Speaker 2: it's at a different bank that you don't even have
Speaker 2: a debit card for like it's harder to get to.
Speaker 2: It's far away, it's out of sight, out of mind.
Speaker 2: Maybe you're like automatically contributing to it from your paycheck
Speaker 2: each month. That's what I consider. Uh, that's how I
Speaker 2: like to treat an emergency fund. But yeah, you can
Speaker 2: call your regular savings an emergency fund. I just think
Speaker 2: it's important to label your savings account so yeatly yep,
Speaker 2: like you know, it's less, it's it just adds like
Speaker 2: a mental block.
Speaker 1: And I mean I honestly label. I literally have a
Speaker 1: checking account that I call my bills account. I have
Speaker 1: a checking account where my money lands that I call
Speaker 1: my deposit account. Like on you can literally go online
Speaker 1: and name them so as you're pulling up your accounts,
Speaker 1: you can see, like, oh, I've got a bill's account
Speaker 1: and a deposit account. And same as Mandy said, I
Speaker 1: use an online only bank for my emergency account and
Speaker 1: it's literally called emergency. And I have a separate savings
Speaker 1: account for when I was saving for the house, called
Speaker 1: like savings, and I have one for myself and Superman
Speaker 1: and it's called like us. So you can label them
Speaker 1: and making those transfers. So the key is yes not.
Speaker 1: I like having my emergency account where I don't have
Speaker 1: a checking account, so I can't make easy transfers and
Speaker 1: spend it because you know, with the savings account you can't.
Speaker 1: It's not like you can like go go get your
Speaker 1: money and like, oh, you can't use a card to
Speaker 1: spend your money. That's a checking account. So I like
Speaker 1: to make my emergency fund inconvenient because it makes it
Speaker 1: more likely for it to be saved. Plus, an online
Speaker 1: only bank, they tend to have higher interest rates that
Speaker 1: they pay out because they don't have the brick and mortar,
Speaker 1: like the rant and all that kind of stuff that
Speaker 1: like big major banks normally do.
Speaker 2: Ype Well, thanks for your question, don now thank you
Speaker 2: all for your questions. You can send us your questions.
Speaker 2: The best way is through our website. I don't check
Speaker 2: Facebook as often, so go to Broadnambition podcast dot com
Speaker 2: click click ask us anything, or you can shoot us
Speaker 2: a note directly at Brandnambition Podcasts at gmail dot com
Speaker 2: dot com. Love hearing from you guys. Thank you so
Speaker 2: much for listening to the show.
Speaker 1: Yes, I'm this job, but I'm bet